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Is now still a good time there for you? Yep. Beautiful. Beautiful. Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And just to do security there with you as well, we are just discussing your personal information. So just need to confirm your full name, date of birth, and address I should have on file. Beautiful. Thank you so much for that. Did you you've just moved. That's fantastic. Do you purchase or renting? Or Yes. No. Fantastic. Yeah. Yeah. Yeah. No. Fantastic. Excellent. So that you got it at the right time. All these property prices still keep increasing on us, so I don't know how anyone younger than us is ever gonna be able to buy a property. It's pretty insane. Wow. Yeah. Yep. Wow. Yeah. Yeah. Absolutely. No. All good. Well, as part of today's annual review at all, did you have any particular questions or anything that you were wanting to sort of touch on or had to ask me while you had me here as well? Yes. Yes. Not quite. No. That's okay. Not quite twelve months. But, no, that's absolutely fine. We're more than happy to do that. I'll actually touch on that first if you like because I have to have a bit of a look around, and we'll obviously send that after the call. We'll send some annual review documents to you as well so you can have a bit of a look at everything. But when I sort of track the performance because you came on board around about sort of June, so you've almost been there for about twelve months. Admittedly, and with what's happening in the market at the moment is extremely volatile out there currently. So with your super, when we sort of put the funds in, we had seen some really good growth. It was pretty steady right up until about sort of October. And then around about November, December, we've sort of seen a little bit of volatility with sort of rising interest rates, and we had a bit of increased inflation there and few some tensions between The US and China. And then from this year, from January onwards, we have seen a bit more of a drop there. So your portfolio is currently down. From inception, it is showing a negative of 3%. So it is down at the moment. It is notably part of the cycle where we're gonna see it down for a bit. But from kind of I'm just doing an updated reports. So that was up until kind of this early this month. From the April 1 onwards, I'm just updating the report for you because we have no. That's okay. It's not a problem at all. I do wanna be honest with you and make sure that you're you know, what's happening with your sleep. I never wanna hide anything from you. And when we are down, we do notice it is down. It's because the entire market is down as well, and your sleep is tracking along with how the market does react there. So from sort of the first of this month right up until basically today, you have seen a bit more of a recovery period from your super, and you're up by about 2.95% there from the first of this month. So whilst we sort of saw you going really well, tracking really well along to sort of October, November, then we saw a bit of volatility from January to about the first of this month. We've seen a pretty heavy dip in the market with what was happening between The US and Iran. And then from sort of the April 1 to now, we've seen a bit more of a 2% increase there for you. So whilst the super is still showing, it is down for the whole year. We have seen a partial recovery from this one, and I just wanted to maybe look at talking to you about altering some of the investments moving forward. Because with what has been kinda going on, I have just sort of reviewed everything. And I did wanna maybe update some of the investments. I have noticed that you've been along Australian equities for this year has been underperforming a little bit. We sort of note that when the market is taking a bit of a dip due to what's happening externally, that's understandable. It's all part of the cycle. However, Ben along have had some underlying issues with some of their investments, so we are taking a a stance now to remove them out of the portfolio and replace them with something a little bit better. They're no longer seen as a good a good enough investment to sort of have in there. So we wanna I do wanna update the advice for you and just remove that, replace it with something else that might be cheaper that has, you know, seen greater track records to try and help that portfolio recover a little bit more. Just because with what's happening with that investment, generally, it's got nothing to do with what's happening in the market. It's down for a whole another reason. Some of the underlying investments haven't really performed or haven't been going the way they would like. So we've decided that yeah. Ben along a say in equities. Yeah. Yep. So we're gonna look at removing that. That is a company decision as of now. We've sort of had our investment committee meetings and had a look at everything, and they've decided it is definitely worth getting out of that one. So I do wanna remove that one out of your portfolio there for you. And your bank, yeah, your bank hybrids there, they are more of a defensive investment, but they are in the future being phased out. So while the investments are a little bit up and down at the moment, we could be looking at maneuvering that as well, taking that out and putting something in that's probably got more of a long term track record that isn't gonna be phased out in the future. And moving that now whilst the portfolio has been a bit of a dip could provide a benefit to you. Because when we do rebalance or change investments within your super fund, we are cementing losses and or gains. So we can be utilizing some of the dips the market's seeing some of the losses your portfolio has to offset some of the gains, which can help to reduce the tax consequences of altering the portfolio. So if you're happy for me to go back and just review the other investments there, everything else looks like it's tracking along really, really nicely. Your physical gold in there has definitely been one of your best performance. Physical gold has been great returns over the past year. It had did see a bit of a a heavy dip in February, but it has come back quite nicely there. So your portfolio has benefited from that. I do wanna keep your physical gold in there, but just maybe look at rebalancing that if need be to cement some of the gains that have been seen and have them distributed through the other parts of the portfolio. Another kind of benefit to doing that is when we are cementing some of the gains that some of the investments would have, rebalancing your portfolio makes sure you're not overweighted in certain areas or taking on too much risk in other areas of your portfolio. But with capital gains, you sort of don't benefit from those as a whole until they are cemented. They're paper gains until you actually sell the investors to cement those gains. So sometimes when there is a, you know, maybe a loss somewhere else, cementing gains in other areas and having that money distributed across other investments means you're buying into the discounted rate of those other investments that are down, and that can provide a benefit moving forward as your portfolio provides recovery there. So definitely wanna maybe update the portfolio for you. Just look at where you are invested, maybe find some investments that are a bit cheaper for you as well, and see if we can get that portfolio moving out of recovery a little bit more for you. Does that make sense? You have any questions? Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. So the investment committee as a as a whole meet every quarter. When there's something going on the market like what's happening sort of now, they tend to meet on more of a regular basis there. The main reason we haven't been able to move any of these investors now is that when you came on board originally, you were given the statement of advice that noted exactly what you were gonna be invested in within those percentages and where the money was to be allocated to. So we actually can't just change those investments without updating the advice for you. But if it's something that you would like, we also do have a new investment product, which is called an SMA or a separately managed account. And we've actually had that built alongside utilizing BlackRock's investment team. So BlackRock are one of the world's largest investment firms. They have helped us to build this SMA. We utilize our investment managers, the analysts, and things like that. And the idea is that when you look at your super at the moment, you can see all the the investment allocation and where the funds are located. If you were to maybe swap into this SMA, essentially, when you look at your super, you see the OPUSA and what percentage of the SMAs that you are in and the balance. You actually don't see all the underlying investments like what you see here at the moment. If we were to move you into that, then the benefit of that is that whilst you lose a little bit of visibility of the actual overall investment options that you're in, it does actually allow us a lot more control around maneuvering the investment to say if you were in that and we have been along and it was underperforming, we wouldn't need to update the advice to have that removed. We could just straight up make that change, remove, then along and put something else in its place. You'd probably not even realize that it happened, but your portfolio would just keep kinda sticking along for you. Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments? How do you sort of feel about that? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Separate separately managed account. Yeah. Yeah. Exact Yeah. Correct. No. It is it's basically the same as investing in a managed fund, except the managed fund the way it is set up is it's more of an actively managed fund, and we don't hand over the control to BlackRock in any way, shape, or form. They've built it with us. So because we're financial advisers, in order for us to in to build an investment option, we need to incorporate investment analysts and investment team members and things like that to make sure that the investors are working correctly and to help us pick and choose. So we basically use them, use our analysts, use our investment team, and use our investment products to help Ultra and make some changes to the portfolio. It's never decided by them without our team looking at it, so we have essentially the end say in what happens and how it works and what we wanna sort of see happening. They help us to maneuver where maybe their economist see changes coming in the market, what their analysts say the risk levels are within there, where things might need to change due to what's happening in the market generally. So our advised team gets to utilize them to our advantage to make sure that this estimate product is working correctly. It's basically the same as investing in, like, a managed fund or something. So with Bennelong as an example, that's a managed fund, and we invest in the Bennelong product, the managed fund product in your super. But inside Bennelong, you have an investment team who are underlying buying and selling investments, picking where investments might need to be changed, what's happening. They're utilizing essentially the same thing as the BlackRock team to do so, and we're picking that managed funds. By moving into this SMA product, it's essentially our own managed fund, and we utilize the BlackRock team as it's a partnership with them. So they help us to monitor it, look after it, essentially look at what's happening, make changes to it. But at at the end of the day, it's still our product. It's the OPU SMA product. Does that make sense? Yeah. Yeah. It is. It absolutely is. Yes. So we've only just kind of rolled out, and it has kind of just rolled out in a good timing because of what's happening in the world generally. So it's not something that everybody wants to be in, and it doesn't work for everyone, and that's absolutely okay. What I can do, if you like, is I can go back and have a look at your current portfolio. I can look at what it looks like to maybe just swap a couple of investments out, look at the tax consequences, look at the overall performance of how that might look moving forward. And then I can also look at the estimate product and then sort of work out which one works better for you, what the tax consequences are, what the benefits, advantages, disadvantages might look like, and I can update the advice to reflect which way I think we should go and provide the updated advice for you to review. Does that sound okay? Or Yeah. Yep. Yeah. Yeah. Yeah. Normally, when I'm still looking at this, I'll I'll either put you wholly into the SMA product or not at all. Just moving a small percentage into the SMA kind of doubles up on a lot of the investments because some of the investments you have here currently are still in the SMA product. So I would sort of wanna move you so yeah. Yeah. Yeah. Yeah. So some of these investments are in that product because they are doing really well, and they are worth keeping. If we were to move you wholly into that product, any of the investments that are currently in your portfolio that may exist in the SMA product, tend to be in CC transferred over. So it works in a much more of a tax effective way. But as I said, I can look at working out whether the SMA is gonna work for you, whether it's gonna be cost effective. I also consider tax consequences on your super fund and things like that. And or I can maybe just also look at whether we just move the underperforming investment fee and just do a couple of things, like a little bit of a switch here and keep the portfolio basically intact. I can look at both options, run the numbers, run the math, and see what it looks like. If you wanted to, at the end of the call, I do also have, like, the product disclosure statement, which essentially outlines a bit more detail around the estimate and the product. And they can even send you, you know, the last, change report that we got as well, which sort of gives you a bit of an idea as to what is currently kind of invested in the in the SMA there, and the PDF document for you to run your eyes over, have a bit of a look at. And that kind of explains a lot around the partnership and the SMA and the product itself. Does that make sense? Yep. Yeah. Beautiful. I'll email those to you after the call, so you're welcome to have a bit of a look at it. If you want, you can then let me know whether you wanted to go ahead and look at the SMA product or whether you just want me to make some alterations here. I have been looking at the different options for investments with your current with your current portfolio. I've got a couple of options to sorta consider there. I just need to sit down and do the math and work out the CGT consequences and how that might look for you and just double check all the the past projections and things like that to make sure it's all gonna work. But we've got a couple of options here that we're able to swap out for you in your current in your current investment portfolio as well to make it easier. So I'm happy to do all the math and look at both ways for you if you're comfortable with that. Yeah. Fantastic. I can about two weeks normally. Is that okay? Yep. Yeah. No. It's honestly fine. Yeah. No. Not a problem at all. Well, even at the end of the call, if you like, I can rebook in a time for you to go through the the advice with me in about two weeks so we have that time logged in, and I'll make sure everything's ready to go for them for you. Okay? Yep. Beautiful. Yeah. Yeah. Yeah. Yeah. Absolutely. So with the ban along Australian equities one, as I mentioned, we wanna get rid of that, but we wanna keep exposure to the Australian equities. Australian equities are still doing quite well while we whilst we are sort of seeing that dip, it's still a good place to be. Making sure we diversified in international equities, and there's a lot around The US at the moment with what's happening with Donald Trump and Iran. But there is still a space to be into the S and P 500. I do wanna kinda make sure we keep that in your portfolio. You do have access to that. It does still see long term really good growth. And a lot of what we see in the market, the Australian equities tend to follow suit with The US equities. If you wake up and you've heard Donald Trump tweeted something and The US markets are taking a bit of a dip, you do tend to find we follow suit as well. So we do wanna keep that exposure heavily there. Realistically, global health care is still a place to kind of make sure we maintain and stay in, and European markets are still really good to sort of make sure we're staying into as well. We kinda diversify not just by one or two companies in Europe. We tend to diversify by looking at all of them because some European companies follow suit with, say, Australia and US ex market equity markets, but others don't. And it's also encompassing not just existing markets, but also up and coming markets as well. Japan is one that has tend to travel or has tend to move not so much in unison with Australian and US markets. We sort of saw last year there was some ups and downs with what's happening back then with companies, and it's waiting at the time that was around March. And we sort of noted then that Japan wasn't moving in the same sort of direction. And, again, this year, it's kind of had that same effect. So I've kind of watched US and Australian equity markets take a little bit more of a dip. You know, UK markets have sort of followed suit with that one, but then Japan's also got, you know, a lot of extra fuel set aside for their for their for their country. They use a lot of gas as well. So LNG is something we export a lot to Japan. They tend to use a lot more than we do there, and their investment markets haven't sort of fluctuated as greatly as ours have, and they kind of moved in the opposite direction to ours. So when our markets The US market seem to be down, Japan seems to be doing quite well. In saying that, there's there are times when the markets all kinda drop in unison. We kind of kinda avoid that at all, but this is sort of what we're seeing at the moment. And I make a point of looking at these sort of things every day because, like you, I invest in my super, but I also have investments in my own name as well. So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions. Other areas, cybersecurity is down a little bit at the moment, has had a little bit of a pullback with what's being happening globally. Tech stocks, again, have also had a bit of a dip, But they are still really good investments to have in your portfolio. Your cybersecurity is down a little bit for this year, but it's still a good in investment to have. So we're just sort of noting it as a bit of a dip. Don't wanna remove that. There's no real reason for it to having underperformed like you've been along Australian equities investment. It's the cybersecurity is down as a whole because of what's happening with tech stocks and what's happening as a whole globally, and we do see it coming back, which is really important. Other than that, another good place to sorta make sure we have exposure is your precious metals, like gold and silver and things like that. They are growth investments, but they do have a tendency to also work defensively, which is really important as well. So gold has done really well for the past several years. It has a pretty heavy dip in February, but it only lasts a short period of time. And even with what we're going through at the moment, gold hasn't done too badly at all. Having gold and silver in your portfolio and I could always look at adding a little bit of silver in there if it's gonna provide a bit more of a, you know, a bit more defensive nature for you as well. But having gold in your portfolio, especially as as a growth asset, we all like it. It does grow in value over the longer term, but it can act defensively. So when you kinda think back to the GFC or even, say, 2020, when markets equity markets are performing as well, people tend to move money into gold as a bit of a safe haven. So it acts defensively in those in those times as well, and silver can do the same thing. You don't have any silver in your portfolio. Currently, I'm happy to look at maybe adding a little bit. It has been sort of an area that a lot of my clients have asked me to look at in recent months. So I can definitely look at other metals and see if there's a way to maybe split the exposure so you're not overexposed to growth investments, but you still have bit of defensive investments in nature there. Defensive investments have taken a little bit of a hit recently, so things like bonds as well because here in Australia with what's happening globally here in Australia, we still have a good jobs market, and inflation has been a little bit too high as well. And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that. We don't normally throughout history don't normally sort of see equity markets and bond markets and fixed interest markets all kinda dipping at the same time. But there are times when, say, inflationary pressures are kind of following a a kinda higher, as well as everything happening globally, which is what we're seeing at the moment. But, we're just kinda hopeful that, you know, in the next few months that that, you know, inflation can come under a bit more control. We do know that the jobs market has sort of decreased a little bit slightly. We're just sort of waiting to see what happens with the next RBA meeting and where we go from there and, obviously, what comes out when the government does the next comes out with their budget for the next year. So there's a few things going on there, but, realistically, none of these areas are bad. They're just all seeing a little bit of volatile time at the moment, and they're also really good to have to still be invested in. This is about taking advantage of the downtimes and investing in when you've got that chance to into the discounted investment rate. Does that all make sense? Do you have questions about any of that? Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Beautiful. Excellent. All good. Did you want me to kinda break anything down further, or did you have any other questions in relation to that, or have I answered everything for the moment? Or how's Yeah. Yeah. Yeah. That's okay. Mhmm. Yes. Yeah. Absolutely. Not a problem at all. Perfect. Well, that's basically giving you an update there. And now having a look, I'll give you an update of your balance at the moment as well. So do you look at your hub 24 very often? Yeah. Yep. Yeah. No. Perfect. Well, your balance at the moment as of yesterday's date, which is the last update here, was 49,197. I can send through a copy of a couple of like, when I send the interview docs through, I'll send through a copy of showing your balance, but I can also send through a couple of portfolio reports for you to have a look at as well to run your eyes over to give you a bit of a view of what's happening as well. Okay. Yeah. Yeah. Yeah. Yeah. You should do. When you log in, you should have just a section where it's got account reporting. If you've got that section that you can kinda click on and go in and sort of see all the different reports that can be provided. Worst case, once we have sent this email to you after the call, you've my direct email. You can always email me back, and I can send you regular reports on a regular basis as well just so you can kinda keep seeing where things are going if you like. That's alright. Yeah. Yep. Absolutely. Yeah. So we have just had a little bit of a restructure around the business instead of up. So I've added you through to my book. If at any point you decide you're no longer comfortable with me as your adviser, just let me know. It's not an issue in any way, shape, or form. But, yeah, moving forward, I'll be the one that looks after you, does the advice, looks after the portfolio, and things like that. So you're attached to my book. You'll put it to myself, and my admin, Michelle, will be the one that gives you a call regularly to kinda keep things a bit more streamlined for you. Okay? Yeah. Yeah. Yep. Yep. That's absolutely correct. So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments. If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well. If it's more looking at mortgage side of things, we don't have a credit license, so we do refer you through to a mortgage broker for mortgage assistance. But we can provide advice around helping you to pay your debts down quicker, cash flow and budgeting, personal investment areas. We do start with the super funds in in as well as insurances and other areas and things here. So I can I'll also send you a copy of the financial services guide. And in the financial services guide, it outlines all the areas that you can seek advice on with regard to us and what we are licensed to provide advice on in all those areas. So it can give you a bit of clarity as well. But as being an ongoing client, you're entitled to advice in other areas. We currently don't charge anything for additional advice. It's all part of the services that we provide. So you're more than welcome to ask me for any assistance you need. If I can't provide it, if it's outside of my scope, then I'll find out who can and help and make sure if they're you on stem. Okay? Excellent. Yeah. That's fine. Perfect. Absolutely. I do a lot of cash on budgeting advice and debt reductions and things like that here. So if there's ever any questions you have, even if it's just general information or things like that or you need some tools, let me know. I'm more than happy to go out there and do the extra work and provide you with as much information as possible. Okay? Amazing. Beautiful. Fantastic. I just wanted to go through and update any of your circumstances as well. Just double checking with regards to your work. Are you still working as a civil estimator? Has there been any changes to your your job or your role? The same position? Beautiful. Income wise, have you had an increase in income at all? A bit of a pay rise there? No. I gross I had here yes. So when we did your insurance application, there was a bit of a change in your income at the time, and it went up to about 120. Yeah. Perfect. Just having a quick look at your certificate of currency as well just to make sure that that's sort of all in line because with insurance wise, you've got your income protection policy through Wang and Path there, and that's paid out of super. I'm just making sure. So you're on about a 120,000 at the moment, and that means your sum insured monthly benefit and that insurable's about 7,000. So your income protection is still in line with your income, which is fantastic. And if you do happen to get any additional pay rises and you wanna kinda look at altering that, just let me know, and we can have that conversation and look at what that might look like for you. Okay? Beautiful. With your income protection policy there, it does have a ninety day waiting period. It just means that if you're off work for any particular time, let us know as soon as you're off for an injury or illness. We'll kind of help you to monitor that time frame. But since that ninety days hit, then you can claim on the income protection. We get the documents back to the insurer nice and quickly, and they tend to assess and make the first payment within the next sort of thirty days. And you've got an age 65 benefit period, so that means that if you're off work, you can be off work up into the age of 65. So we'd hope nothing happens. It's always the worst thing with insurance is you're paying the premiums hoping you never have to claim. But it is it is good to know that if anything did happen, you can essentially receive the income protection policy or the monthly benefit after tax up until the age of 65. So you don't have to touch your super until that point if anything was to occur. Okay. Beautiful. The current premium for this one is $792.76. As you get older and closer to retirement age, as you get older, the risk of you making a claim increases. So these insurance policies do get more expensive over time. So each year it goes through renewal, which is around about June this year. You'll see the renewal will come out. The price will have gone up just slightly. We'll make sure every year we're doing reviews and checking those to make sure they're not costing you heat. Because as you get kind of into your forties and fifties insurance things, especially income protection become very expensive and can be detrimental to your super. So we'll just make sure we're make confirming that the amount you're covered for is in line with what you're able to claim, but then also making sure that we're not eating too much away of your super. Because at the end of the day, you wanna retire and have super debt to cover your living expenses in retirement. So yeah. Okay. Beautiful. I'll make sure there's a certificate of currency attached to your annual review docs when I send those out for you as well just so you've got that to run your eyes over. And, again, let me know if you do happen to have any questions there at all. Okay. Excellent. So I've got income here about 100 and 20,000 at the moment. Are you expecting to get a bit of a pay rise in the new financial year, or do you have any kind of review coming up for work where you might get a pay rise? No. Yeah. Yep. Yeah. No. Yep. Beautiful. Beautiful. And with the assets and liabilities, I had down here your savings account. I know you probably with purchasing the property, your savings might have changed pretty significantly, but how much do you have in savings at the moment? Yes. Yes. Beautiful. Yep. Yep. That's okay. Perfect. Excellent. And I've also got in here we had a motorcycle. You were planning to sell that. Have you still got your motorcycle? Yep. Yeah. Nice. How much are you planning to sell it for? About 15. Yeah. Beautiful. Fantastic. And then I also had contents down here. What do you do you now have contents insurance now that you've purchased your property? Yeah. Yep. Yep. That's okay. It's a difficult one, isn't it? That's Yes. Yes. Yep. That's perfect. Fantastic. That's all I had noted down here for assets. Is there any other assets you'd note down, any other shares or collections or anything else of value that you'd wanna sort of note? Yep. Yeah. Okay. Yep. Yep. Absolutely. Yeah. No. Definitely. When you are ready, let me know. We can definitely have that conversation. I can always do research around what personal investments might look like versus paying your mortgage down and sorta weigh out the benefit and provide the advice that way. But, yeah, we can absolutely do that for you. Not a problem at all. With your car, what's the value would you put on the car now? Do you think? 70. Beautiful. And with the value on the house, what's the value we'd put on the property now? Yeah. So we kind of go on what would it be to you. So if you had to sell the property tomorrow, what would you want for it? What value is it to you? Yep. Beautiful. And what's the loan owing on that one at the moment? If you the property is fine. Yeah. Beautiful. Fantastic. Excellent. Well, that's everything I've got noted there at the moment. I also do like to sort of touch on just with the estate planning side of things. So now that you do have your property, have you spoken to a solicitor or had a will and power of attorney drawn up or anything like that? Yep. Mhmm. Yep. Yep. Yeah. It is definitely yeah. Absolutely. Well, if you like, what I can do is as part of the email, I can send through some information on a local solicitor that we can refer you through to. It's not a referral list such at the moment. Just some information on them and a bit of a price list to show you what they charge for doing wills and power of attorney and just a bit of information around trust and things like that for you just to kinda start the conversation, give you some reading material to look at. And then if you did wanna kinda refer through, you're welcome to either contact them, or you can let us know. We can refer you through to them. The wills with the solicitor are they do they do charge you for that separately. It's not kinda through us in any way. But I always think it's more of an investment in yourself. You've worked really hard. You've now got your house and everything. So you wanna make sure protecting those assets and having them directed to where you want them to go in the event that something was to happen to you. Because the alternative is probate, which can be a very long process, can be costly to the estate, and can often end up with, you know, the outcome being the funds or the assets are paid to someone that you don't want them to go through to. So it's definitely more of an investment in yourself there, which is really important. But I can start by sending the email through. You're welcome to ask me any questions that you have as well, and we can start there for you if you like. Does that sound okay? Yep. Beautiful. With your super, your beneficiary is your legal personal representative. So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be. But you're happy with your your LPR legal personal representative being your beneficiary currently? Yeah. Yep. Yeah. Perfect. Excellent. All good. And so that's the estate planning side of things. Health wise, is everything okay? Health wise, you haven't had any changes to your health in the last twelve months from when we sort of caught up last year? No. Beautiful. That's what we wanna hear. That's fantastic. And the other thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment. So I'm just having a quick look here at your portfolio. I believe you're in yep. High growth. Perfect. So generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets. But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there. A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns. You're averaging or hoping to get about eight to 10% on a yearly basis. So anything under 8% is seen as underperformance, and anything over that 10% is fantastic. A high growth investor generally sees a likelihood of a negative return expected about one in every sort of five years. Do you feel like that is fairly comfortable for yourself? Did you wanna look at maybe altering or, you know, reassessing the risk profile for yourself at the moment, or what are your thoughts with that? Yep. Yeah. Absolutely. Yep. Yeah. Beautiful. Realistically, with where you are, your agency is your high growth portfolio is generally where we'd sort of see you for now as you get closer and closer to accessing super a long way down the track because you're still so young. Essentially, when you get closer to retirement, it will start to sort of pull back on that risk level a little bit because when you get to those retirement years, you want more income reducing investments, lower fluctuations to be able to, you know, steady out your super. But for now, taking advantage of those ups and downs and, you know, really taking advantage of the market volatility is a good thing. So I'm happy to keep you in that portfolio. Every couple of years, we'll try to do a bit more of a risk profile questionnaire. But for now, I'm pretty comfortable with you where you're at as long as you are. And if you ever feel you're not comfortable in that, just because we sort of suggest, you know, being younger, you can take more risk in the market. If at any point you're not comfortable taking risk or you feel like you wanted to pull back, let me know. We can always have that conversation. We can always reduce or look at your risk profile at any point in time. It doesn't have to be at review time. And we can do regular catch ups throughout the year as well. I know you know you've gone through that initial implementation stage. Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months? How would you like me to kind of move forward for you? Six months. Yep. Beautiful. Not a problem at all. And if that ever changes, you let me know. I'm more than happy to update that for you there as well, Andrew. Okay. Beautiful. That's basically everything I did need to go through. The only other thing I will attach to your and your review documents is the ongoing service agreement. So you are aware as an ongoing client, we want we do charge a a fee for our services. It is 1.65% per annum. That is the per annum amount is a percentage based fee, so it does fluctuate and is linked to performance of your super. So our ongoing service fee is deducted in smaller monthly increments, and it essentially fluctuates the market. So as a percentage of what's happening with your super, when the market is higher, it does mean that our fee is gonna be a little bit higher as well. But when the market takes a bit of a dip due to external factors, our fee takes a bit of a dip with it as well. So that is one benefit to having that sort of fee structure. And as I mentioned, there's an ongoing client paying the ongoing service fee. We're monitoring, looking after your super, but you're also entitled to other services, other advice, and I'll do catch ups with you and see how things going. And you'll have my email as well, so you're more than welcome to email me or let me know when you need anything additional, and I'll make time to sort of make sure I'm there to help and support you moving forward as well. Okay? All good. Did you have any questions? I know I asked you everything under the sun. Did you have any other questions or anything else you wanted me to touch on for the moment at all? Yes. Absolutely. Beautiful. Beautiful. Absolutely. Absolutely. Not a problem at all. Well, I'll get that email out to you there with PDF documents. There's a couple of things around the SMA for you, and also the details for the solicitor, and I'll get you any review documents popped together and sent out in a separate email for you to review, have a look at, and just assign a return back for me when you are ready to as well. Okay? Thank you so much for your time, Andrew. I really appreciate it. I hope you have a lovely afternoon. No worries. Talk soon. See you later. 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Andrew. Rosina from Oakey Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your annual reviews this morning. Is now still a good time there for you? Yep. Beautiful.\n\nBeautiful. Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And just to do security there with you as well, we are just discussing your personal information.\n\nSo just need to confirm your full name, date of birth, and address I should have on file. Beautiful. Thank you so much for that. Did you you've just moved. That's fantastic.\n\nDo you purchase or renting? Or Yes. No. Fantastic. Yeah.\n\nYeah. Yeah. No. Fantastic. Excellent.\n\nSo that you got it at the right time. All these property prices still keep increasing on us, so I don't know how anyone younger than us is ever gonna be able to buy a property. It's pretty insane. Wow. Yeah.\n\nYep. Wow. Yeah. Yeah. Absolutely.\n\nNo. All good. Well, as part of today's annual review at all, did you have any particular questions or anything that you were wanting to sort of touch on or had to ask me while you had me here as well? Yes. Yes.\n\nNot quite. No. That's okay. Not quite twelve months. But, no, that's absolutely fine.\n\nWe're more than happy to do that. I'll actually touch on that first if you like because I have to have a bit of a look around, and we'll obviously send that after the call. We'll send some annual review documents to you as well so you can have a bit of a look at everything. But when I sort of track the performance because you came on board around about sort of June, so you've almost been there for about twelve months. Admittedly, and with what's happening in the market at the moment is extremely volatile out there currently.\n\nSo with your super, when we sort of put the funds in, we had seen some really good growth. It was pretty steady right up until about sort of October. And then around about November, December, we've sort of seen a little bit of volatility with sort of rising interest rates, and we had a bit of increased inflation there and few some tensions between The US and China. And then from this year, from January onwards, we have seen a bit more of a drop there. So your portfolio is currently down.\n\nFrom inception, it is showing a negative of 3%. So it is down at the moment. It is notably part of the cycle where we're gonna see it down for a bit. But from kind of I'm just doing an updated reports. So that was up until kind of this early this month.\n\nFrom the April 1 onwards, I'm just updating the report for you because we have no. That's okay. It's not a problem at all. I do wanna be honest with you and make sure that you're you know, what's happening with your sleep. I never wanna hide anything from you.\n\nAnd when we are down, we do notice it is down. It's because the entire market is down as well, and your sleep is tracking along with how the market does react there. So from sort of the first of this month right up until basically today, you have seen a bit more of a recovery period from your super, and you're up by about 2.95% there from the first of this month. So whilst we sort of saw you going really well, tracking really well along to sort of October, November, then we saw a bit of volatility from January to about the first of this month. We've seen a pretty heavy dip in the market with what was happening between The US and Iran.\n\nAnd then from sort of the April 1 to now, we've seen a bit more of a 2% increase there for you. So whilst the super is still showing, it is down for the whole year. We have seen a partial recovery from this one, and I just wanted to maybe look at talking to you about altering some of the investments moving forward. Because with what has been kinda going on, I have just sort of reviewed everything. And I did wanna maybe update some of the investments.\n\nI have noticed that you've been along Australian equities for this year has been underperforming a little bit. We sort of note that when the market is taking a bit of a dip due to what's happening externally, that's understandable. It's all part of the cycle. However, Ben along have had some underlying issues with some of their investments, so we are taking a a stance now to remove them out of the portfolio and replace them with something a little bit better. They're no longer seen as a good a good enough investment to sort of have in there.\n\nSo we wanna I do wanna update the advice for you and just remove that, replace it with something else that might be cheaper that has, you know, seen greater track records to try and help that portfolio recover a little bit more. Just because with what's happening with that investment, generally, it's got nothing to do with what's happening in the market. It's down for a whole another reason. Some of the underlying investments haven't really performed or haven't been going the way they would like. So we've decided that yeah.\n\nBen along a say in equities. Yeah. Yep. So we're gonna look at removing that. That is a company decision as of now.\n\nWe've sort of had our investment committee meetings and had a look at everything, and they've decided it is definitely worth getting out of that one. So I do wanna remove that one out of your portfolio there for you. And your bank, yeah, your bank hybrids there, they are more of a defensive investment, but they are in the future being phased out. So while the investments are a little bit up and down at the moment, we could be looking at maneuvering that as well, taking that out and putting something in that's probably got more of a long term track record that isn't gonna be phased out in the future. And moving that now whilst the portfolio has been a bit of a dip could provide a benefit to you.\n\nBecause when we do rebalance or change investments within your super fund, we are cementing losses and or gains. So we can be utilizing some of the dips the market's seeing some of the losses your portfolio has to offset some of the gains, which can help to reduce the tax consequences of altering the portfolio. So if you're happy for me to go back and just review the other investments there, everything else looks like it's tracking along really, really nicely. Your physical gold in there has definitely been one of your best performance. Physical gold has been great returns over the past year.\n\nIt had did see a bit of a a heavy dip in February, but it has come back quite nicely there. So your portfolio has benefited from that. I do wanna keep your physical gold in there, but just maybe look at rebalancing that if need be to cement some of the gains that have been seen and have them distributed through the other parts of the portfolio. Another kind of benefit to doing that is when we are cementing some of the gains that some of the investments would have, rebalancing your portfolio makes sure you're not overweighted in certain areas or taking on too much risk in other areas of your portfolio. But with capital gains, you sort of don't benefit from those as a whole until they are cemented.\n\nThey're paper gains until you actually sell the investors to cement those gains. So sometimes when there is a, you know, maybe a loss somewhere else, cementing gains in other areas and having that money distributed across other investments means you're buying into the discounted rate of those other investments that are down, and that can provide a benefit moving forward as your portfolio provides recovery there. So definitely wanna maybe update the portfolio for you. Just look at where you are invested, maybe find some investments that are a bit cheaper for you as well, and see if we can get that portfolio moving out of recovery a little bit more for you. Does that make sense?\n\nYou have any questions? Yeah. Yeah. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. So the investment committee as a as a whole meet every quarter. When there's something going on the market like what's happening sort of now, they tend to meet on more of a regular basis there. The main reason we haven't been able to move any of these investors now is that when you came on board originally, you were given the statement of advice that noted exactly what you were gonna be invested in within those percentages and where the money was to be allocated to.\n\nSo we actually can't just change those investments without updating the advice for you. But if it's something that you would like, we also do have a new investment product, which is called an SMA or a separately managed account. And we've actually had that built alongside utilizing BlackRock's investment team. So BlackRock are one of the world's largest investment firms. They have helped us to build this SMA.\n\nWe utilize our investment managers, the analysts, and things like that. And the idea is that when you look at your super at the moment, you can see all the the investment allocation and where the funds are located. If you were to maybe swap into this SMA, essentially, when you look at your super, you see the OPUSA and what percentage of the SMAs that you are in and the balance. You actually don't see all the underlying investments like what you see here at the moment. If we were to move you into that, then the benefit of that is that whilst you lose a little bit of visibility of the actual overall investment options that you're in, it does actually allow us a lot more control around maneuvering the investment to say if you were in that and we have been along and it was underperforming, we wouldn't need to update the advice to have that removed.\n\nWe could just straight up make that change, remove, then along and put something else in its place. You'd probably not even realize that it happened, but your portfolio would just keep kinda sticking along for you. Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments? How do you sort of feel about that? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. Separate separately managed account. Yeah. Yeah. Exact Yeah.\n\nCorrect. No. It is it's basically the same as investing in a managed fund, except the managed fund the way it is set up is it's more of an actively managed fund, and we don't hand over the control to BlackRock in any way, shape, or form. They've built it with us. So because we're financial advisers, in order for us to in to build an investment option, we need to incorporate investment analysts and investment team members and things like that to make sure that the investors are working correctly and to help us pick and choose.\n\nSo we basically use them, use our analysts, use our investment team, and use our investment products to help Ultra and make some changes to the portfolio. It's never decided by them without our team looking at it, so we have essentially the end say in what happens and how it works and what we wanna sort of see happening. They help us to maneuver where maybe their economist see changes coming in the market, what their analysts say the risk levels are within there, where things might need to change due to what's happening in the market generally. So our advised team gets to utilize them to our advantage to make sure that this estimate product is working correctly. It's basically the same as investing in, like, a managed fund or something.\n\nSo with Bennelong as an example, that's a managed fund, and we invest in the Bennelong product, the managed fund product in your super. But inside Bennelong, you have an investment team who are underlying buying and selling investments, picking where investments might need to be changed, what's happening. They're utilizing essentially the same thing as the BlackRock team to do so, and we're picking that managed funds. By moving into this SMA product, it's essentially our own managed fund, and we utilize the BlackRock team as it's a partnership with them. So they help us to monitor it, look after it, essentially look at what's happening, make changes to it.\n\nBut at at the end of the day, it's still our product. It's the OPU SMA product. Does that make sense? Yeah. Yeah.\n\nIt is. It absolutely is. Yes. So we've only just kind of rolled out, and it has kind of just rolled out in a good timing because of what's happening in the world generally. So it's not something that everybody wants to be in, and it doesn't work for everyone, and that's absolutely okay.\n\nWhat I can do, if you like, is I can go back and have a look at your current portfolio. I can look at what it looks like to maybe just swap a couple of investments out, look at the tax consequences, look at the overall performance of how that might look moving forward. And then I can also look at the estimate product and then sort of work out which one works better for you, what the tax consequences are, what the benefits, advantages, disadvantages might look like, and I can update the advice to reflect which way I think we should go and provide the updated advice for you to review. Does that sound okay? Or Yeah.\n\nYep. Yeah. Yeah. Yeah. Normally, when I'm still looking at this, I'll I'll either put you wholly into the SMA product or not at all.\n\nJust moving a small percentage into the SMA kind of doubles up on a lot of the investments because some of the investments you have here currently are still in the SMA product. So I would sort of wanna move you so yeah. Yeah. Yeah. Yeah.\n\nSo some of these investments are in that product because they are doing really well, and they are worth keeping. If we were to move you wholly into that product, any of the investments that are currently in your portfolio that may exist in the SMA product, tend to be in CC transferred over. So it works in a much more of a tax effective way. But as I said, I can look at working out whether the SMA is gonna work for you, whether it's gonna be cost effective. I also consider tax consequences on your super fund and things like that.\n\nAnd or I can maybe just also look at whether we just move the underperforming investment fee and just do a couple of things, like a little bit of a switch here and keep the portfolio basically intact. I can look at both options, run the numbers, run the math, and see what it looks like. If you wanted to, at the end of the call, I do also have, like, the product disclosure statement, which essentially outlines a bit more detail around the estimate and the product. And they can even send you, you know, the last, change report that we got as well, which sort of gives you a bit of an idea as to what is currently kind of invested in the in the SMA there, and the PDF document for you to run your eyes over, have a bit of a look at. And that kind of explains a lot around the partnership and the SMA and the product itself.\n\nDoes that make sense? Yep. Yeah. Beautiful. I'll email those to you after the call, so you're welcome to have a bit of a look at it.\n\nIf you want, you can then let me know whether you wanted to go ahead and look at the SMA product or whether you just want me to make some alterations here. I have been looking at the different options for investments with your current with your current portfolio. I've got a couple of options to sorta consider there. I just need to sit down and do the math and work out the CGT consequences and how that might look for you and just double check all the the past projections and things like that to make sure it's all gonna work. But we've got a couple of options here that we're able to swap out for you in your current in your current investment portfolio as well to make it easier.\n\nSo I'm happy to do all the math and look at both ways for you if you're comfortable with that. Yeah. Fantastic. I can about two weeks normally. Is that okay?\n\nYep. Yeah. No. It's honestly fine. Yeah.\n\nNo. Not a problem at all. Well, even at the end of the call, if you like, I can rebook in a time for you to go through the the advice with me in about two weeks so we have that time logged in, and I'll make sure everything's ready to go for them for you. Okay? Yep.\n\nBeautiful. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. So with the ban along Australian equities one, as I mentioned, we wanna get rid of that, but we wanna keep exposure to the Australian equities. Australian equities are still doing quite well while we whilst we are sort of seeing that dip, it's still a good place to be. Making sure we diversified in international equities, and there's a lot around The US at the moment with what's happening with Donald Trump and Iran. But there is still a space to be into the S and P 500.\n\nI do wanna kinda make sure we keep that in your portfolio. You do have access to that. It does still see long term really good growth. And a lot of what we see in the market, the Australian equities tend to follow suit with The US equities. If you wake up and you've heard Donald Trump tweeted something and The US markets are taking a bit of a dip, you do tend to find we follow suit as well.\n\nSo we do wanna keep that exposure heavily there. Realistically, global health care is still a place to kind of make sure we maintain and stay in, and European markets are still really good to sort of make sure we're staying into as well. We kinda diversify not just by one or two companies in Europe. We tend to diversify by looking at all of them because some European companies follow suit with, say, Australia and US ex market equity markets, but others don't. And it's also encompassing not just existing markets, but also up and coming markets as well.\n\nJapan is one that has tend to travel or has tend to move not so much in unison with Australian and US markets. We sort of saw last year there was some ups and downs with what's happening back then with companies, and it's waiting at the time that was around March. And we sort of noted then that Japan wasn't moving in the same sort of direction. And, again, this year, it's kind of had that same effect. So I've kind of watched US and Australian equity markets take a little bit more of a dip.\n\nYou know, UK markets have sort of followed suit with that one, but then Japan's also got, you know, a lot of extra fuel set aside for their for their for their country. They use a lot of gas as well. So LNG is something we export a lot to Japan. They tend to use a lot more than we do there, and their investment markets haven't sort of fluctuated as greatly as ours have, and they kind of moved in the opposite direction to ours. So when our markets The US market seem to be down, Japan seems to be doing quite well.\n\nIn saying that, there's there are times when the markets all kinda drop in unison. We kind of kinda avoid that at all, but this is sort of what we're seeing at the moment. And I make a point of looking at these sort of things every day because, like you, I invest in my super, but I also have investments in my own name as well. So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions. Other areas, cybersecurity is down a little bit at the moment, has had a little bit of a pullback with what's being happening globally.\n\nTech stocks, again, have also had a bit of a dip, But they are still really good investments to have in your portfolio. Your cybersecurity is down a little bit for this year, but it's still a good in investment to have. So we're just sort of noting it as a bit of a dip. Don't wanna remove that. There's no real reason for it to having underperformed like you've been along Australian equities investment.\n\nIt's the cybersecurity is down as a whole because of what's happening with tech stocks and what's happening as a whole globally, and we do see it coming back, which is really important. Other than that, another good place to sorta make sure we have exposure is your precious metals, like gold and silver and things like that. They are growth investments, but they do have a tendency to also work defensively, which is really important as well. So gold has done really well for the past several years. It has a pretty heavy dip in February, but it only lasts a short period of time.\n\nAnd even with what we're going through at the moment, gold hasn't done too badly at all. Having gold and silver in your portfolio and I could always look at adding a little bit of silver in there if it's gonna provide a bit more of a, you know, a bit more defensive nature for you as well. But having gold in your portfolio, especially as as a growth asset, we all like it. It does grow in value over the longer term, but it can act defensively. So when you kinda think back to the GFC or even, say, 2020, when markets equity markets are performing as well, people tend to move money into gold as a bit of a safe haven.\n\nSo it acts defensively in those in those times as well, and silver can do the same thing. You don't have any silver in your portfolio. Currently, I'm happy to look at maybe adding a little bit. It has been sort of an area that a lot of my clients have asked me to look at in recent months. So I can definitely look at other metals and see if there's a way to maybe split the exposure so you're not overexposed to growth investments, but you still have bit of defensive investments in nature there.\n\nDefensive investments have taken a little bit of a hit recently, so things like bonds as well because here in Australia with what's happening globally here in Australia, we still have a good jobs market, and inflation has been a little bit too high as well. And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that. We don't normally throughout history don't normally sort of see equity markets and bond markets and fixed interest markets all kinda dipping at the same time. But there are times when, say, inflationary pressures are kind of following a a kinda higher, as well as everything happening globally, which is what we're seeing at the moment. But, we're just kinda hopeful that, you know, in the next few months that that, you know, inflation can come under a bit more control.\n\nWe do know that the jobs market has sort of decreased a little bit slightly. We're just sort of waiting to see what happens with the next RBA meeting and where we go from there and, obviously, what comes out when the government does the next comes out with their budget for the next year. So there's a few things going on there, but, realistically, none of these areas are bad. They're just all seeing a little bit of volatile time at the moment, and they're also really good to have to still be invested in. This is about taking advantage of the downtimes and investing in when you've got that chance to into the discounted investment rate.\n\nDoes that all make sense? Do you have questions about any of that? Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Yeah. Yeah. Yeah.\n\nBeautiful. Excellent. All good. Did you want me to kinda break anything down further, or did you have any other questions in relation to that, or have I answered everything for the moment? Or how's Yeah.\n\nYeah. Yeah. That's okay. Mhmm. Yes.\n\nYeah. Absolutely. Not a problem at all. Perfect. Well, that's basically giving you an update there.\n\nAnd now having a look, I'll give you an update of your balance at the moment as well. So do you look at your hub 24 very often? Yeah. Yep. Yeah.\n\nNo. Perfect. Well, your balance at the moment as of yesterday's date, which is the last update here, was 49,197. I can send through a copy of a couple of like, when I send the interview docs through, I'll send through a copy of showing your balance, but I can also send through a couple of portfolio reports for you to have a look at as well to run your eyes over to give you a bit of a view of what's happening as well. Okay.\n\nYeah. Yeah. Yeah. Yeah. You should do.\n\nWhen you log in, you should have just a section where it's got account reporting. If you've got that section that you can kinda click on and go in and sort of see all the different reports that can be provided. Worst case, once we have sent this email to you after the call, you've my direct email. You can always email me back, and I can send you regular reports on a regular basis as well just so you can kinda keep seeing where things are going if you like. That's alright.\n\nYeah. Yep. Absolutely. Yeah. So we have just had a little bit of a restructure around the business instead of up.\n\nSo I've added you through to my book. If at any point you decide you're no longer comfortable with me as your adviser, just let me know. It's not an issue in any way, shape, or form. But, yeah, moving forward, I'll be the one that looks after you, does the advice, looks after the portfolio, and things like that. So you're attached to my book.\n\nYou'll put it to myself, and my admin, Michelle, will be the one that gives you a call regularly to kinda keep things a bit more streamlined for you. Okay? Yeah. Yeah. Yep.\n\nYep. That's absolutely correct. So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments. If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well. If it's more looking at mortgage side of things, we don't have a credit license, so we do refer you through to a mortgage broker for mortgage assistance.\n\nBut we can provide advice around helping you to pay your debts down quicker, cash flow and budgeting, personal investment areas. We do start with the super funds in in as well as insurances and other areas and things here. So I can I'll also send you a copy of the financial services guide. And in the financial services guide, it outlines all the areas that you can seek advice on with regard to us and what we are licensed to provide advice on in all those areas. So it can give you a bit of clarity as well.\n\nBut as being an ongoing client, you're entitled to advice in other areas. We currently don't charge anything for additional advice. It's all part of the services that we provide. So you're more than welcome to ask me for any assistance you need. If I can't provide it, if it's outside of my scope, then I'll find out who can and help and make sure if they're you on stem.\n\nOkay? Excellent. Yeah. That's fine. Perfect.\n\nAbsolutely. I do a lot of cash on budgeting advice and debt reductions and things like that here. So if there's ever any questions you have, even if it's just general information or things like that or you need some tools, let me know. I'm more than happy to go out there and do the extra work and provide you with as much information as possible. Okay?\n\nAmazing. Beautiful. Fantastic. I just wanted to go through and update any of your circumstances as well. Just double checking with regards to your work.\n\nAre you still working as a civil estimator? Has there been any changes to your your job or your role? The same position? Beautiful. Income wise, have you had an increase in income at all?\n\nA bit of a pay rise there? No. I gross I had here yes. So when we did your insurance application, there was a bit of a change in your income at the time, and it went up to about 120. Yeah.\n\nPerfect. Just having a quick look at your certificate of currency as well just to make sure that that's sort of all in line because with insurance wise, you've got your income protection policy through Wang and Path there, and that's paid out of super. I'm just making sure. So you're on about a 120,000 at the moment, and that means your sum insured monthly benefit and that insurable's about 7,000. So your income protection is still in line with your income, which is fantastic.\n\nAnd if you do happen to get any additional pay rises and you wanna kinda look at altering that, just let me know, and we can have that conversation and look at what that might look like for you. Okay? Beautiful. With your income protection policy there, it does have a ninety day waiting period. It just means that if you're off work for any particular time, let us know as soon as you're off for an injury or illness.\n\nWe'll kind of help you to monitor that time frame. But since that ninety days hit, then you can claim on the income protection. We get the documents back to the insurer nice and quickly, and they tend to assess and make the first payment within the next sort of thirty days. And you've got an age 65 benefit period, so that means that if you're off work, you can be off work up into the age of 65. So we'd hope nothing happens.\n\nIt's always the worst thing with insurance is you're paying the premiums hoping you never have to claim. But it is it is good to know that if anything did happen, you can essentially receive the income protection policy or the monthly benefit after tax up until the age of 65. So you don't have to touch your super until that point if anything was to occur. Okay. Beautiful.\n\nThe current premium for this one is $792.76. As you get older and closer to retirement age, as you get older, the risk of you making a claim increases. So these insurance policies do get more expensive over time. So each year it goes through renewal, which is around about June this year. You'll see the renewal will come out.\n\nThe price will have gone up just slightly. We'll make sure every year we're doing reviews and checking those to make sure they're not costing you heat. Because as you get kind of into your forties and fifties insurance things, especially income protection become very expensive and can be detrimental to your super. So we'll just make sure we're make confirming that the amount you're covered for is in line with what you're able to claim, but then also making sure that we're not eating too much away of your super. Because at the end of the day, you wanna retire and have super debt to cover your living expenses in retirement.\n\nSo yeah. Okay. Beautiful. I'll make sure there's a certificate of currency attached to your annual review docs when I send those out for you as well just so you've got that to run your eyes over. And, again, let me know if you do happen to have any questions there at all.\n\nOkay. Excellent. So I've got income here about 100 and 20,000 at the moment. Are you expecting to get a bit of a pay rise in the new financial year, or do you have any kind of review coming up for work where you might get a pay rise? No.\n\nYeah. Yep. Yeah. No. Yep.\n\nBeautiful. Beautiful. And with the assets and liabilities, I had down here your savings account. I know you probably with purchasing the property, your savings might have changed pretty significantly, but how much do you have in savings at the moment? Yes.\n\nYes. Beautiful. Yep. Yep. That's okay.\n\nPerfect. Excellent. And I've also got in here we had a motorcycle. You were planning to sell that. Have you still got your motorcycle?\n\nYep. Yeah. Nice. How much are you planning to sell it for? About 15.\n\nYeah. Beautiful. Fantastic. And then I also had contents down here. What do you do you now have contents insurance now that you've purchased your property?\n\nYeah. Yep. Yep. That's okay. It's a difficult one, isn't it?\n\nThat's Yes. Yes. Yep. That's perfect. Fantastic.\n\nThat's all I had noted down here for assets. Is there any other assets you'd note down, any other shares or collections or anything else of value that you'd wanna sort of note? Yep. Yeah. Okay.\n\nYep. Yep. Absolutely. Yeah. No.\n\nDefinitely. When you are ready, let me know. We can definitely have that conversation. I can always do research around what personal investments might look like versus paying your mortgage down and sorta weigh out the benefit and provide the advice that way. But, yeah, we can absolutely do that for you.\n\nNot a problem at all. With your car, what's the value would you put on the car now? Do you think? 70. Beautiful.\n\nAnd with the value on the house, what's the value we'd put on the property now? Yeah. So we kind of go on what would it be to you. So if you had to sell the property tomorrow, what would you want for it? What value is it to you?\n\nYep. Beautiful. And what's the loan owing on that one at the moment? If you the property is fine. Yeah.\n\nBeautiful. Fantastic. Excellent. Well, that's everything I've got noted there at the moment. I also do like to sort of touch on just with the estate planning side of things.\n\nSo now that you do have your property, have you spoken to a solicitor or had a will and power of attorney drawn up or anything like that? Yep. Mhmm. Yep. Yep.\n\nYeah. It is definitely yeah. Absolutely. Well, if you like, what I can do is as part of the email, I can send through some information on a local solicitor that we can refer you through to. It's not a referral list such at the moment.\n\nJust some information on them and a bit of a price list to show you what they charge for doing wills and power of attorney and just a bit of information around trust and things like that for you just to kinda start the conversation, give you some reading material to look at. And then if you did wanna kinda refer through, you're welcome to either contact them, or you can let us know. We can refer you through to them. The wills with the solicitor are they do they do charge you for that separately. It's not kinda through us in any way.\n\nBut I always think it's more of an investment in yourself. You've worked really hard. You've now got your house and everything. So you wanna make sure protecting those assets and having them directed to where you want them to go in the event that something was to happen to you. Because the alternative is probate, which can be a very long process, can be costly to the estate, and can often end up with, you know, the outcome being the funds or the assets are paid to someone that you don't want them to go through to.\n\nSo it's definitely more of an investment in yourself there, which is really important. But I can start by sending the email through. You're welcome to ask me any questions that you have as well, and we can start there for you if you like. Does that sound okay? Yep.\n\nBeautiful. With your super, your beneficiary is your legal personal representative. So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be. But you're happy with your your LPR legal personal representative being your beneficiary currently? Yeah.\n\nYep. Yeah. Perfect. Excellent. All good.\n\nAnd so that's the estate planning side of things. Health wise, is everything okay? Health wise, you haven't had any changes to your health in the last twelve months from when we sort of caught up last year? No. Beautiful.\n\nThat's what we wanna hear. That's fantastic. And the other thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment. So I'm just having a quick look here at your portfolio. I believe you're in yep.\n\nHigh growth. Perfect. So generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets. But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there. A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns.\n\nYou're averaging or hoping to get about eight to 10% on a yearly basis. So anything under 8% is seen as underperformance, and anything over that 10% is fantastic. A high growth investor generally sees a likelihood of a negative return expected about one in every sort of five years. Do you feel like that is fairly comfortable for yourself? Did you wanna look at maybe altering or, you know, reassessing the risk profile for yourself at the moment, or what are your thoughts with that?\n\nYep. Yeah. Absolutely. Yep. Yeah.\n\nBeautiful. Realistically, with where you are, your agency is your high growth portfolio is generally where we'd sort of see you for now as you get closer and closer to accessing super a long way down the track because you're still so young. Essentially, when you get closer to retirement, it will start to sort of pull back on that risk level a little bit because when you get to those retirement years, you want more income reducing investments, lower fluctuations to be able to, you know, steady out your super. But for now, taking advantage of those ups and downs and, you know, really taking advantage of the market volatility is a good thing. So I'm happy to keep you in that portfolio.\n\nEvery couple of years, we'll try to do a bit more of a risk profile questionnaire. But for now, I'm pretty comfortable with you where you're at as long as you are. And if you ever feel you're not comfortable in that, just because we sort of suggest, you know, being younger, you can take more risk in the market. If at any point you're not comfortable taking risk or you feel like you wanted to pull back, let me know. We can always have that conversation.\n\nWe can always reduce or look at your risk profile at any point in time. It doesn't have to be at review time. And we can do regular catch ups throughout the year as well. I know you know you've gone through that initial implementation stage. Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months?\n\nHow would you like me to kind of move forward for you? Six months. Yep. Beautiful. Not a problem at all.\n\nAnd if that ever changes, you let me know. I'm more than happy to update that for you there as well, Andrew. Okay. Beautiful. That's basically everything I did need to go through.\n\nThe only other thing I will attach to your and your review documents is the ongoing service agreement. So you are aware as an ongoing client, we want we do charge a a fee for our services. It is 1.65% per annum. That is the per annum amount is a percentage based fee, so it does fluctuate and is linked to performance of your super. So our ongoing service fee is deducted in smaller monthly increments, and it essentially fluctuates the market.\n\nSo as a percentage of what's happening with your super, when the market is higher, it does mean that our fee is gonna be a little bit higher as well. But when the market takes a bit of a dip due to external factors, our fee takes a bit of a dip with it as well. So that is one benefit to having that sort of fee structure. And as I mentioned, there's an ongoing client paying the ongoing service fee. We're monitoring, looking after your super, but you're also entitled to other services, other advice, and I'll do catch ups with you and see how things going.\n\nAnd you'll have my email as well, so you're more than welcome to email me or let me know when you need anything additional, and I'll make time to sort of make sure I'm there to help and support you moving forward as well. Okay? All good. Did you have any questions? I know I asked you everything under the sun.\n\nDid you have any other questions or anything else you wanted me to touch on for the moment at all? Yes. Absolutely. Beautiful. Beautiful.\n\nAbsolutely. Absolutely. Not a problem at all. Well, I'll get that email out to you there with PDF documents. There's a couple of things around the SMA for you, and also the details for the solicitor, and I'll get you any review documents popped together and sent out in a separate email for you to review, have a look at, and just assign a return back for me when you are ready to as well.\n\nOkay? Thank you so much for your time, Andrew. I really appreciate it. I hope you have a lovely afternoon. No worries.\n\nTalk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Andrew.","start":3.52,"end":4.08,"sentiment":"neutral","sentiment_score":0.12085596099495888},{"text":"Rosina from Oakey Financial.","start":4.08,"end":5.52,"sentiment":"neutral","sentiment_score":0.1576046422123909},{"text":"How are you today?","start":5.52,"end":6.5,"sentiment":"neutral","sentiment_score":0.1743726208806038},{"text":"I'm very well.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.49181405703226727},{"text":"Thank you.","start":9.5199995,"end":9.92,"sentiment":"positive","sentiment_score":0.5995327234268188}],"sentiment":"neutral","sentiment_score":0.2829419061541557,"num_words":15,"start":3.52,"end":9.92},{"sentences":[{"text":"Thanks for asking.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.5642786820729574},{"text":"I had you booked in to go through your annual reviews this morning.","start":10.8,"end":13.36,"sentiment":"neutral","sentiment_score":0.2176153717132715},{"text":"Is now still a good time there for you?","start":13.36,"end":15.38,"sentiment":"neutral","sentiment_score":0.19456513060463798},{"text":"Yep.","start":17.244999,"end":17.645,"sentiment":"neutral","sentiment_score":0.1732797622680664},{"text":"Beautiful.","start":17.645,"end":18.145,"sentiment":"positive","sentiment_score":0.4867374300956726}],"sentiment":"neutral","sentiment_score":0.2567755276406253,"num_words":27,"start":9.92,"end":18.145},{"sentences":[{"text":"Beautiful.","start":18.285,"end":18.785,"sentiment":"positive","sentiment_score":0.4592214226722718},{"text":"Just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.485,"end":23.564999,"sentiment":"neutral","sentiment_score":0.12321644682775844},{"text":"Are you happy to proceed with that?","start":23.564999,"end":25.265,"sentiment":"neutral","sentiment_score":0.12874425309044973},{"text":"Fantastic.","start":27.085,"end":27.564999,"sentiment":"positive","sentiment_score":0.5063812136650085},{"text":"And just to do security there with you as well, we are just discussing your personal information.","start":27.564999,"end":31.150002,"sentiment":"neutral","sentiment_score":0.17786936987848842}],"sentiment":"neutral","sentiment_score":0.1583615317940712,"num_words":48,"start":18.285,"end":31.150002},{"sentences":[{"text":"So just need to confirm your full name, date of birth, and address I should have on file.","start":31.150002,"end":34.93,"sentiment":"neutral","sentiment_score":0.10247378051280975},{"text":"Beautiful.","start":47.245,"end":47.745,"sentiment":"neutral","sentiment_score":0.3207387924194336},{"text":"Thank you so much for that.","start":47.805,"end":49.505,"sentiment":"positive","sentiment_score":0.47957031428813934},{"text":"Did you you've just moved.","start":50.364998,"end":52.285,"sentiment":"neutral","sentiment_score":0.20911152064800262},{"text":"That's fantastic.","start":52.285,"end":53.025,"sentiment":"positive","sentiment_score":0.4862353950738907}],"sentiment":"neutral","sentiment_score":0.2206474100239575,"num_words":32,"start":31.150002,"end":53.025},{"sentences":[{"text":"Do you purchase or renting?","start":53.245,"end":54.845,"sentiment":"neutral","sentiment_score":0.098639065772295},{"text":"Or Yes.","start":54.845,"end":58.050003,"sentiment":"neutral","sentiment_score":0.060312092304229736},{"text":"No.","start":59.870003,"end":60.370003,"sentiment":"neutral","sentiment_score":0.05090441554784775},{"text":"Fantastic.","start":62.83,"end":63.33,"sentiment":"neutral","sentiment_score":0.24492837488651276},{"text":"Yeah.","start":66.51,"end":67.01,"sentiment":"neutral","sentiment_score":0.040436435490846634}],"sentiment":"neutral","sentiment_score":0.09500887393951415,"num_words":10,"start":53.245,"end":67.01},{"sentences":[{"text":"Yeah.","start":68.445,"end":68.945,"sentiment":"neutral","sentiment_score":0.0805312842130661},{"text":"Yeah.","start":69.325,"end":69.805,"sentiment":"neutral","sentiment_score":-0.003822863101959229},{"text":"No.","start":69.805,"end":70.125,"sentiment":"neutral","sentiment_score":-0.03150983527302742},{"text":"Fantastic.","start":70.125,"end":70.625,"sentiment":"neutral","sentiment_score":0.06154225394129753},{"text":"Excellent.","start":71.165,"end":71.665,"sentiment":"neutral","sentiment_score":0.05896439403295517}],"sentiment":"neutral","sentiment_score":0.03314104676246643,"num_words":5,"start":68.445,"end":71.665},{"sentences":[{"text":"So that you got it at the right time.","start":72.125,"end":73.725,"sentiment":"neutral","sentiment_score":0.03825880545708868},{"text":"All these property prices still keep increasing on us, so I don't know how anyone younger than us is ever gonna be able to buy a property.","start":73.725,"end":79.405,"sentiment":"neutral","sentiment_score":-0.2444002956703857},{"text":"It's pretty insane.","start":79.405,"end":80.305,"sentiment":"negative","sentiment_score":-0.3510933220386505},{"text":"Wow.","start":86.6,"end":87.1,"sentiment":"neutral","sentiment_score":-0.24000978469848633},{"text":"Yeah.","start":91.0,"end":91.5,"sentiment":"neutral","sentiment_score":-0.13825887441635132}],"sentiment":"neutral","sentiment_score":-0.18746408193213185,"num_words":41,"start":72.125,"end":91.5},{"sentences":[{"text":"Yep.","start":93.815,"end":94.315,"sentiment":"neutral","sentiment_score":-0.138506680727005},{"text":"Wow.","start":99.01501,"end":99.51501,"sentiment":"neutral","sentiment_score":-0.13365566730499268},{"text":"Yeah.","start":101.095,"end":101.595,"sentiment":"neutral","sentiment_score":-0.12978079915046692},{"text":"Yeah.","start":103.575005,"end":104.075005,"sentiment":"neutral","sentiment_score":-0.039205558598041534},{"text":"Absolutely.","start":104.135,"end":104.635,"sentiment":"neutral","sentiment_score":-0.02129507251083851}],"sentiment":"neutral","sentiment_score":-0.09248875565826893,"num_words":5,"start":93.815,"end":104.635},{"sentences":[{"text":"No.","start":105.175,"end":105.575005,"sentiment":"neutral","sentiment_score":-0.0412394218146801},{"text":"All good.","start":105.575005,"end":106.395004,"sentiment":"neutral","sentiment_score":-0.01809655874967575},{"text":"Well, as part of today's annual review at all, did you have any particular questions or anything that you were wanting to sort of touch on or had to ask me while you had me here as well?","start":106.920006,"end":115.9,"sentiment":"neutral","sentiment_score":0.04527851527458743},{"text":"Yes.","start":124.535,"end":125.035,"sentiment":"neutral","sentiment_score":0.04850289225578308},{"text":"Yes.","start":125.495,"end":125.995,"sentiment":"neutral","sentiment_score":0.050930917263031006}],"sentiment":"neutral","sentiment_score":0.04052522908463035,"num_words":43,"start":105.175,"end":125.995},{"sentences":[{"text":"Not quite.","start":143.685,"end":144.665,"sentiment":"neutral","sentiment_score":-0.19666201621294022},{"text":"No.","start":144.80501,"end":145.125,"sentiment":"neutral","sentiment_score":-0.20308291912078855},{"text":"That's okay.","start":145.125,"end":145.925,"sentiment":"neutral","sentiment_score":-0.12656554579734802},{"text":"Not quite twelve months.","start":145.925,"end":146.965,"sentiment":"neutral","sentiment_score":-0.22352249920368195},{"text":"But, no, that's absolutely fine.","start":146.965,"end":148.165,"sentiment":"neutral","sentiment_score":0.14619300216436387}],"sentiment":"neutral","sentiment_score":-0.07233307350959096,"num_words":14,"start":143.685,"end":148.165},{"sentences":[{"text":"We're more than happy to do that.","start":148.165,"end":149.365,"sentiment":"positive","sentiment_score":0.7376033067703247},{"text":"I'll actually touch on that first if you like because I have to have a bit of a look around, and we'll obviously send that after the call.","start":149.365,"end":155.08,"sentiment":"neutral","sentiment_score":0.19015284308365413},{"text":"We'll send some annual review documents to you as well so you can have a bit of a look at everything.","start":155.08,"end":158.86,"sentiment":"neutral","sentiment_score":0.18317303274359023},{"text":"But when I sort of track the performance because you came on board around about sort of June, so you've almost been there for about twelve months.","start":159.48,"end":166.78,"sentiment":"neutral","sentiment_score":0.11034273576957208},{"text":"Admittedly, and with what's happening in the market at the moment is extremely volatile out there currently.","start":167.655,"end":172.47499,"sentiment":"negative","sentiment_score":-0.35808786486878114}],"sentiment":"neutral","sentiment_score":0.1122589660435915,"num_words":100,"start":148.165,"end":172.47499},{"sentences":[{"text":"So with your super, when we sort of put the funds in, we had seen some really good growth.","start":172.855,"end":177.33499,"sentiment":"neutral","sentiment_score":0.1066370339770066},{"text":"It was pretty steady right up until about sort of October.","start":177.33499,"end":180.315,"sentiment":"neutral","sentiment_score":0.10415481505068866},{"text":"And then around about November, December, we've sort of seen a little bit of volatility with sort of rising interest rates, and we had a bit of increased inflation there and few some tensions between The US and China.","start":180.73001,"end":191.07,"sentiment":"neutral","sentiment_score":-0.1042562638146755},{"text":"And then from this year, from January onwards, we have seen a bit more of a drop there.","start":191.61,"end":195.645,"sentiment":"neutral","sentiment_score":-0.27401920325226253},{"text":"So your portfolio is currently down.","start":195.645,"end":197.58499,"sentiment":"negative","sentiment_score":-0.4609352747599284}],"sentiment":"neutral","sentiment_score":-0.09238865575002085,"num_words":93,"start":172.855,"end":197.58499},{"sentences":[{"text":"From inception, it is showing a negative of 3%.","start":198.365,"end":201.165,"sentiment":"negative","sentiment_score":-0.36086726519796586},{"text":"So it is down at the moment.","start":201.165,"end":202.925,"sentiment":"neutral","sentiment_score":-0.3281760151897158},{"text":"It is notably part of the cycle where we're gonna see it down for a bit.","start":202.925,"end":206.44499,"sentiment":"neutral","sentiment_score":-0.19308544043451548},{"text":"But from kind of I'm just doing an updated reports.","start":206.44499,"end":210.31,"sentiment":"neutral","sentiment_score":-0.014945847843773664},{"text":"So that was up until kind of this early this month.","start":210.31,"end":213.53,"sentiment":"neutral","sentiment_score":-0.008587200025265867}],"sentiment":"neutral","sentiment_score":-0.16751551356184174,"num_words":53,"start":198.365,"end":213.53},{"sentences":[{"text":"From the April 1 onwards, I'm just updating the report for you because we have no.","start":214.71,"end":222.43501,"sentiment":"neutral","sentiment_score":0.12624776363372803},{"text":"That's okay.","start":222.43501,"end":222.99501,"sentiment":"neutral","sentiment_score":0.2391599863767624},{"text":"It's not a problem at all.","start":222.99501,"end":224.115,"sentiment":"positive","sentiment_score":0.36544593671957654},{"text":"I do wanna be honest with you and make sure that you're you know, what's happening with your sleep.","start":224.115,"end":227.235,"sentiment":"neutral","sentiment_score":0.17168621013039037},{"text":"I never wanna hide anything from you.","start":227.235,"end":229.175,"sentiment":"neutral","sentiment_score":-0.028808084981782094}],"sentiment":"neutral","sentiment_score":0.1550268241763115,"num_words":50,"start":214.71,"end":229.175},{"sentences":[{"text":"And when we are down, we do notice it is down.","start":229.395,"end":231.63501,"sentiment":"neutral","sentiment_score":-0.14133967662399466},{"text":"It's because the entire market is down as well, and your sleep is tracking along with how the market does react there.","start":231.63501,"end":237.67,"sentiment":"neutral","sentiment_score":-0.15966012701392174},{"text":"So from sort of the first of this month right up until basically today, you have seen a bit more of a recovery period from your super, and you're up by about 2.95% there from the first of this month.","start":237.67,"end":249.43,"sentiment":"neutral","sentiment_score":0.09570482755079865},{"text":"So whilst we sort of saw you going really well, tracking really well along to sort of October, November, then we saw a bit of volatility from January to about the first of this month.","start":249.43,"end":259.305,"sentiment":"neutral","sentiment_score":-0.2193330748804978},{"text":"We've seen a pretty heavy dip in the market with what was happening between The US and Iran.","start":259.305,"end":263.725,"sentiment":"negative","sentiment_score":-0.3738648427857293}],"sentiment":"neutral","sentiment_score":-0.12416897560395891,"num_words":126,"start":229.395,"end":263.725},{"sentences":[{"text":"And then from sort of the April 1 to now, we've seen a bit more of a 2% increase there for you.","start":263.87,"end":269.95,"sentiment":"neutral","sentiment_score":-0.05772744288498705},{"text":"So whilst the super is still showing, it is down for the whole year.","start":269.95,"end":273.97,"sentiment":"neutral","sentiment_score":-0.26192681065627504},{"text":"We have seen a partial recovery from this one, and I just wanted to maybe look at talking to you about altering some of the investments moving forward.","start":274.19,"end":281.655,"sentiment":"neutral","sentiment_score":0.0013966052127735956},{"text":"Because with what has been kinda going on, I have just sort of reviewed everything.","start":282.115,"end":285.815,"sentiment":"neutral","sentiment_score":-0.03093751644094785},{"text":"And I did wanna maybe update some of the investments.","start":286.51498,"end":288.85498,"sentiment":"neutral","sentiment_score":0.013029293715953827}],"sentiment":"neutral","sentiment_score":-0.05878251636128747,"num_words":89,"start":263.87,"end":288.85498},{"sentences":[{"text":"I have noticed that you've been along Australian equities for this year has been underperforming a little bit.","start":288.91498,"end":294.34,"sentiment":"neutral","sentiment_score":-0.24323841805259386},{"text":"We sort of note that when the market is taking a bit of a dip due to what's happening externally, that's understandable.","start":294.56,"end":300.66,"sentiment":"neutral","sentiment_score":-0.2230587357824499},{"text":"It's all part of the cycle.","start":300.80002,"end":302.18,"sentiment":"neutral","sentiment_score":-0.111631295333306},{"text":"However, Ben along have had some underlying issues with some of their investments, so we are taking a a stance now to remove them out of the portfolio and replace them with something a little bit better.","start":302.64,"end":312.155,"sentiment":"neutral","sentiment_score":-0.17426269813566594},{"text":"They're no longer seen as a good a good enough investment to sort of have in there.","start":312.615,"end":316.85498,"sentiment":"neutral","sentiment_score":-0.21919920339303858}],"sentiment":"neutral","sentiment_score":-0.2012947777286172,"num_words":100,"start":288.91498,"end":316.85498},{"sentences":[{"text":"So we wanna I do wanna update the advice for you and just remove that, replace it with something else that might be cheaper that has, you know, seen greater track records to try and help that portfolio recover a little bit more.","start":316.85498,"end":328.83,"sentiment":"neutral","sentiment_score":0.17559996455214744},{"text":"Just because with what's happening with that investment, generally, it's got nothing to do with what's happening in the market.","start":329.77,"end":334.81,"sentiment":"neutral","sentiment_score":-0.25245576836168765},{"text":"It's down for a whole another reason.","start":334.81,"end":336.465,"sentiment":"negative","sentiment_score":-0.41142978412764414},{"text":"Some of the underlying investments haven't really performed or haven't been going the way they would like.","start":336.465,"end":340.805,"sentiment":"negative","sentiment_score":-0.414406665984322},{"text":"So we've decided that yeah.","start":341.425,"end":346.225,"sentiment":"neutral","sentiment_score":-0.054583195596933365}],"sentiment":"neutral","sentiment_score":-0.08365385521851156,"num_words":92,"start":316.85498,"end":346.225},{"sentences":[{"text":"Ben along a say in equities.","start":346.225,"end":347.76498,"sentiment":"neutral","sentiment_score":-0.03110649095227321},{"text":"Yeah.","start":350.06,"end":350.46,"sentiment":"neutral","sentiment_score":0.02820732071995735},{"text":"Yep.","start":350.46,"end":350.96,"sentiment":"neutral","sentiment_score":0.03262271732091904},{"text":"So we're gonna look at removing that.","start":351.25998,"end":353.28,"sentiment":"neutral","sentiment_score":-0.06908453468765531},{"text":"That is a company decision as of now.","start":353.34,"end":355.02,"sentiment":"neutral","sentiment_score":-0.12823826726526022}],"sentiment":"neutral","sentiment_score":-0.07110029515688834,"num_words":23,"start":346.225,"end":355.02},{"sentences":[{"text":"We've sort of had our investment committee meetings and had a look at everything, and they've decided it is definitely worth getting out of that one.","start":355.02,"end":360.94,"sentiment":"neutral","sentiment_score":-0.14983054494055417},{"text":"So I do wanna remove that one out of your portfolio there for you.","start":360.94,"end":364.38498,"sentiment":"neutral","sentiment_score":-0.09403488119798047},{"text":"And your bank, yeah, your bank hybrids there, they are more of a defensive investment, but they are in the future being phased out.","start":365.00497,"end":372.365,"sentiment":"neutral","sentiment_score":0.04564687221621474},{"text":"So while the investments are a little bit up and down at the moment, we could be looking at maneuvering that as well, taking that out and putting something in that's probably got more of a long term track record that isn't gonna be phased out in the future.","start":372.365,"end":384.96,"sentiment":"neutral","sentiment_score":0.00005565051521573748},{"text":"And moving that now whilst the portfolio has been a bit of a dip could provide a benefit to you.","start":385.65997,"end":390.915,"sentiment":"neutral","sentiment_score":0.23907553032040596}],"sentiment":"neutral","sentiment_score":0.005020149696366231,"num_words":133,"start":355.02,"end":390.915},{"sentences":[{"text":"Because when we do rebalance or change investments within your super fund, we are cementing losses and or gains.","start":391.155,"end":397.55502,"sentiment":"neutral","sentiment_score":0.14235672589979673},{"text":"So we can be utilizing some of the dips the market's seeing some of the losses your portfolio has to offset some of the gains, which can help to reduce the tax consequences of altering the portfolio.","start":397.55502,"end":408.13,"sentiment":"neutral","sentiment_score":0.22338081815758268},{"text":"So if you're happy for me to go back and just review the other investments there, everything else looks like it's tracking along really, really nicely.","start":408.59003,"end":415.33002,"sentiment":"positive","sentiment_score":0.5687035688987145},{"text":"Your physical gold in there has definitely been one of your best performance.","start":416.03,"end":419.90503,"sentiment":"positive","sentiment_score":0.7303191744364225},{"text":"Physical gold has been great returns over the past year.","start":419.90503,"end":424.005,"sentiment":"positive","sentiment_score":0.7655717134475708}],"sentiment":"positive","sentiment_score":0.40862883102326164,"num_words":105,"start":391.155,"end":424.005},{"sentences":[{"text":"It had did see a bit of a a heavy dip in February, but it has come back quite nicely there.","start":424.385,"end":429.445,"sentiment":"neutral","sentiment_score":0.3260657468012401},{"text":"So your portfolio has benefited from that.","start":429.825,"end":431.825,"sentiment":"positive","sentiment_score":0.4652264416217804},{"text":"I do wanna keep your physical gold in there, but just maybe look at rebalancing that if need be to cement some of the gains that have been seen and have them distributed through the other parts of the portfolio.","start":431.825,"end":442.69998,"sentiment":"neutral","sentiment_score":0.25466394834220407},{"text":"Another kind of benefit to doing that is when we are cementing some of the gains that some of the investments would have, rebalancing your portfolio makes sure you're not overweighted in certain areas or taking on too much risk in other areas of your portfolio.","start":444.935,"end":457.435,"sentiment":"neutral","sentiment_score":0.1289326096682445},{"text":"But with capital gains, you sort of don't benefit from those as a whole until they are cemented.","start":458.28,"end":463.5,"sentiment":"neutral","sentiment_score":-0.04044093481368489}],"sentiment":"neutral","sentiment_score":0.19313247671181505,"num_words":132,"start":424.385,"end":463.5},{"sentences":[{"text":"They're paper gains until you actually sell the investors to cement those gains.","start":463.56,"end":468.22,"sentiment":"neutral","sentiment_score":-0.028171920145933445},{"text":"So sometimes when there is a, you know, maybe a loss somewhere else, cementing gains in other areas and having that money distributed across other investments means you're buying into the discounted rate of those other investments that are down, and that can provide a benefit moving forward as your portfolio provides recovery there.","start":468.84,"end":486.36,"sentiment":"neutral","sentiment_score":0.13113025030880063},{"text":"So definitely wanna maybe update the portfolio for you.","start":487.71997,"end":490.68,"sentiment":"neutral","sentiment_score":0.17089192238118914},{"text":"Just look at where you are invested, maybe find some investments that are a bit cheaper for you as well, and see if we can get that portfolio moving out of recovery a little bit more for you.","start":490.68,"end":500.84,"sentiment":"neutral","sentiment_score":0.13915425401769185},{"text":"Does that make sense?","start":500.84,"end":501.975,"sentiment":"neutral","sentiment_score":0.07229822501540184}],"sentiment":"neutral","sentiment_score":0.11720237634697203,"num_words":118,"start":463.56,"end":501.975},{"sentences":[{"text":"You have any questions?","start":502.055,"end":503.11502,"sentiment":"neutral","sentiment_score":0.019868155475705862},{"text":"Yeah.","start":507.095,"end":507.595,"sentiment":"neutral","sentiment_score":0.02689548023045063},{"text":"Yeah.","start":523.99,"end":524.31,"sentiment":"neutral","sentiment_score":0.2091682404279709},{"text":"Yeah.","start":524.31,"end":524.81,"sentiment":"neutral","sentiment_score":0.13225741684436798},{"text":"Mhmm.","start":532.245,"end":532.745,"sentiment":"neutral","sentiment_score":0.039399653673172}],"sentiment":"neutral","sentiment_score":0.06089917663484812,"num_words":8,"start":502.055,"end":532.745},{"sentences":[{"text":"Yeah.","start":538.74,"end":539.24,"sentiment":"neutral","sentiment_score":0.03787733614444733},{"text":"Yeah.","start":542.02,"end":542.52,"sentiment":"neutral","sentiment_score":0.009932093322277067},{"text":"Yeah.","start":551.71497,"end":552.21497,"sentiment":"neutral","sentiment_score":0.010212898254394531},{"text":"Yeah.","start":554.27496,"end":554.77496,"sentiment":"neutral","sentiment_score":0.030592653900384903},{"text":"Yeah.","start":557.39496,"end":557.89496,"sentiment":"neutral","sentiment_score":0.00823863223195076}],"sentiment":"neutral","sentiment_score":0.019370722770690917,"num_words":5,"start":538.74,"end":557.89496},{"sentences":[{"text":"Yeah.","start":561.39496,"end":561.555,"sentiment":"neutral","sentiment_score":0.07014737278223038},{"text":"Absolutely.","start":561.555,"end":562.055,"sentiment":"neutral","sentiment_score":0.2359054833650589},{"text":"So the investment committee as a as a whole meet every quarter.","start":562.115,"end":565.22003,"sentiment":"neutral","sentiment_score":0.13040477161606154},{"text":"When there's something going on the market like what's happening sort of now, they tend to meet on more of a regular basis there.","start":565.52,"end":570.82,"sentiment":"neutral","sentiment_score":0.06633006827905774},{"text":"The main reason we haven't been able to move any of these investors now is that when you came on board originally, you were given the statement of advice that noted exactly what you were gonna be invested in within those percentages and where the money was to be allocated to.","start":571.2,"end":584.145,"sentiment":"neutral","sentiment_score":-0.05884055859025787}],"sentiment":"neutral","sentiment_score":0.005190598495890585,"num_words":89,"start":561.39496,"end":584.145},{"sentences":[{"text":"So we actually can't just change those investments without updating the advice for you.","start":584.525,"end":589.23,"sentiment":"neutral","sentiment_score":-0.155121061950922},{"text":"But if it's something that you would like, we also do have a new investment product, which is called an SMA or a separately managed account.","start":589.70996,"end":596.91,"sentiment":"neutral","sentiment_score":0.0999703759757372},{"text":"And we've actually had that built alongside utilizing BlackRock's investment team.","start":596.91,"end":601.63,"sentiment":"neutral","sentiment_score":0.10946352915330367},{"text":"So BlackRock are one of the world's largest investment firms.","start":601.63,"end":604.52997,"sentiment":"neutral","sentiment_score":0.12751070484519006},{"text":"They have helped us to build this SMA.","start":605.505,"end":608.545,"sentiment":"neutral","sentiment_score":0.24494898691773415}],"sentiment":"neutral","sentiment_score":0.07052656047154164,"num_words":69,"start":584.525,"end":608.545},{"sentences":[{"text":"We utilize our investment managers, the analysts, and things like that.","start":608.545,"end":612.08496,"sentiment":"neutral","sentiment_score":0.13175163756717334},{"text":"And the idea is that when you look at your super at the moment, you can see all the the investment allocation and where the funds are located.","start":612.225,"end":618.5,"sentiment":"neutral","sentiment_score":0.12023812266332763},{"text":"If you were to maybe swap into this SMA, essentially, when you look at your super, you see the OPUSA and what percentage of the SMAs that you are in and the balance.","start":618.8,"end":628.18,"sentiment":"neutral","sentiment_score":0.07971058063434833},{"text":"You actually don't see all the underlying investments like what you see here at the moment.","start":628.4,"end":633.065,"sentiment":"neutral","sentiment_score":-0.1578794871456921},{"text":"If we were to move you into that, then the benefit of that is that whilst you lose a little bit of visibility of the actual overall investment options that you're in, it does actually allow us a lot more control around maneuvering the investment to say if you were in that and we have been along and it was underperforming, we wouldn't need to update the advice to have that removed.","start":634.085,"end":652.56,"sentiment":"neutral","sentiment_score":0.07372824596758518}],"sentiment":"neutral","sentiment_score":0.06392966577550396,"num_words":160,"start":608.545,"end":652.56},{"sentences":[{"text":"We could just straight up make that change, remove, then along and put something else in its place.","start":652.62,"end":657.2,"sentiment":"neutral","sentiment_score":0.17589371382362312},{"text":"You'd probably not even realize that it happened, but your portfolio would just keep kinda sticking along for you.","start":657.26,"end":662.965,"sentiment":"neutral","sentiment_score":-0.06341488698595449},{"text":"Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments?","start":663.105,"end":679.0,"sentiment":"neutral","sentiment_score":0.14799031404157478},{"text":"How do you sort of feel about that?","start":679.0,"end":680.62,"sentiment":"neutral","sentiment_score":0.006170785520225763},{"text":"Yeah.","start":683.39996,"end":683.89996,"sentiment":"neutral","sentiment_score":0.16560670733451843}],"sentiment":"neutral","sentiment_score":0.10429807386870654,"num_words":106,"start":652.62,"end":683.89996},{"sentences":[{"text":"Yeah.","start":685.63995,"end":686.13995,"sentiment":"neutral","sentiment_score":0.12369048595428468},{"text":"Yeah.","start":691.335,"end":691.835,"sentiment":"neutral","sentiment_score":0.09261724352836607},{"text":"Yeah.","start":693.65497,"end":694.15497,"sentiment":"neutral","sentiment_score":0.3134385943412781},{"text":"Yeah.","start":700.71,"end":701.21,"sentiment":"neutral","sentiment_score":0.14731556177139282},{"text":"Yeah.","start":705.27,"end":705.67,"sentiment":"neutral","sentiment_score":0.10931819677352904}],"sentiment":"neutral","sentiment_score":0.15727601647377015,"num_words":5,"start":685.63995,"end":705.67},{"sentences":[{"text":"Absolutely.","start":705.67,"end":706.17,"sentiment":"neutral","sentiment_score":0.11095121502876282},{"text":"Separate separately managed account.","start":709.75,"end":711.85004,"sentiment":"neutral","sentiment_score":-0.005775291472673416},{"text":"Yeah.","start":713.59503,"end":714.09503,"sentiment":"neutral","sentiment_score":-0.03923705965280533},{"text":"Yeah.","start":725.20996,"end":725.70996,"sentiment":"neutral","sentiment_score":0.012436067685484886},{"text":"Exact Yeah.","start":727.61,"end":728.81,"sentiment":"neutral","sentiment_score":-0.015764301642775536}],"sentiment":"neutral","sentiment_score":0.0032800504316886268,"num_words":9,"start":705.67,"end":728.81},{"sentences":[{"text":"Correct.","start":728.81,"end":729.29,"sentiment":"neutral","sentiment_score":-0.009909134358167648},{"text":"No.","start":729.29,"end":729.52997,"sentiment":"neutral","sentiment_score":-0.07905257493257523},{"text":"It is it's basically the same as investing in a managed fund, except the managed fund the way it is set up is it's more of an actively managed fund, and we don't hand over the control to BlackRock in any way, shape, or form.","start":729.52997,"end":740.855,"sentiment":"neutral","sentiment_score":0.015556581401162678},{"text":"They've built it with us.","start":740.855,"end":741.975,"sentiment":"neutral","sentiment_score":0.11163847744464875},{"text":"So because we're financial advisers, in order for us to in to build an investment option, we need to incorporate investment analysts and investment team members and things like that to make sure that the investors are working correctly and to help us pick and choose.","start":741.975,"end":755.17,"sentiment":"neutral","sentiment_score":0.15016066072427708}],"sentiment":"neutral","sentiment_score":0.08241497177858742,"num_words":98,"start":728.81,"end":755.17},{"sentences":[{"text":"So we basically use them, use our analysts, use our investment team, and use our investment products to help Ultra and make some changes to the portfolio.","start":755.17,"end":762.87,"sentiment":"neutral","sentiment_score":0.1635429431442861},{"text":"It's never decided by them without our team looking at it, so we have essentially the end say in what happens and how it works and what we wanna sort of see happening.","start":763.845,"end":772.885,"sentiment":"neutral","sentiment_score":0.19970243085514416},{"text":"They help us to maneuver where maybe their economist see changes coming in the market, what their analysts say the risk levels are within there, where things might need to change due to what's happening in the market generally.","start":772.885,"end":784.26,"sentiment":"neutral","sentiment_score":0.09414859689199008},{"text":"So our advised team gets to utilize them to our advantage to make sure that this estimate product is working correctly.","start":784.26,"end":790.12,"sentiment":"neutral","sentiment_score":0.2878559494302386},{"text":"It's basically the same as investing in, like, a managed fund or something.","start":790.695,"end":794.455,"sentiment":"neutral","sentiment_score":0.08577227363219628}],"sentiment":"neutral","sentiment_score":0.16419285306132825,"num_words":133,"start":755.17,"end":794.455},{"sentences":[{"text":"So with Bennelong as an example, that's a managed fund, and we invest in the Bennelong product, the managed fund product in your super.","start":794.455,"end":803.435,"sentiment":"neutral","sentiment_score":0.12776467017829418},{"text":"But inside Bennelong, you have an investment team who are underlying buying and selling investments, picking where investments might need to be changed, what's happening.","start":803.73,"end":811.89,"sentiment":"neutral","sentiment_score":0.07535626739263535},{"text":"They're utilizing essentially the same thing as the BlackRock team to do so, and we're picking that managed funds.","start":811.89,"end":818.005,"sentiment":"neutral","sentiment_score":0.14021110299386477},{"text":"By moving into this SMA product, it's essentially our own managed fund, and we utilize the BlackRock team as it's a partnership with them.","start":818.225,"end":826.485,"sentiment":"neutral","sentiment_score":0.21649851774175963},{"text":"So they help us to monitor it, look after it, essentially look at what's happening, make changes to it.","start":826.545,"end":833.47,"sentiment":"neutral","sentiment_score":0.23879790619799965}],"sentiment":"neutral","sentiment_score":0.15628283215804142,"num_words":111,"start":794.455,"end":833.47},{"sentences":[{"text":"But at at the end of the day, it's still our product.","start":833.47,"end":835.47,"sentiment":"neutral","sentiment_score":0.28074968233704567},{"text":"It's the OPU SMA product.","start":835.47,"end":837.23,"sentiment":"positive","sentiment_score":0.3652285158634186},{"text":"Does that make sense?","start":837.23,"end":838.29,"sentiment":"neutral","sentiment_score":0.31639163941144943},{"text":"Yeah.","start":839.31,"end":839.81,"sentiment":"neutral","sentiment_score":0.027567291632294655},{"text":"Yeah.","start":841.775,"end":842.275,"sentiment":"neutral","sentiment_score":0.201846107840538}],"sentiment":"neutral","sentiment_score":0.2908747271513161,"num_words":23,"start":833.47,"end":842.275},{"sentences":[{"text":"It is.","start":845.53503,"end":846.275,"sentiment":"neutral","sentiment_score":0.05925379879772663},{"text":"It absolutely is.","start":846.41504,"end":847.695,"sentiment":"neutral","sentiment_score":0.22212398052215576},{"text":"Yes.","start":847.695,"end":848.015,"sentiment":"neutral","sentiment_score":0.3047599196434021},{"text":"So we've only just kind of rolled out, and it has kind of just rolled out in a good timing because of what's happening in the world generally.","start":848.015,"end":854.495,"sentiment":"positive","sentiment_score":0.3736517115363053},{"text":"So it's not something that everybody wants to be in, and it doesn't work for everyone, and that's absolutely okay.","start":854.495,"end":860.1,"sentiment":"neutral","sentiment_score":-0.026093864068388938}],"sentiment":"neutral","sentiment_score":0.2042594463047054,"num_words":54,"start":845.53503,"end":860.1},{"sentences":[{"text":"What I can do, if you like, is I can go back and have a look at your current portfolio.","start":860.64,"end":864.34,"sentiment":"neutral","sentiment_score":0.16546644940972327},{"text":"I can look at what it looks like to maybe just swap a couple of investments out, look at the tax consequences, look at the overall performance of how that might look moving forward.","start":864.4,"end":873.005,"sentiment":"neutral","sentiment_score":0.14894524238565388},{"text":"And then I can also look at the estimate product and then sort of work out which one works better for you, what the tax consequences are, what the benefits, advantages, disadvantages might look like, and I can update the advice to reflect which way I think we should go and provide the updated advice for you to review.","start":873.385,"end":889.43,"sentiment":"neutral","sentiment_score":0.11959636400816805},{"text":"Does that sound okay?","start":889.49,"end":890.61,"sentiment":"neutral","sentiment_score":0.11441325582563877},{"text":"Or Yeah.","start":890.61,"end":893.67,"sentiment":"neutral","sentiment_score":0.022933567874133587}],"sentiment":"neutral","sentiment_score":0.13389220894823053,"num_words":119,"start":860.64,"end":893.67},{"sentences":[{"text":"Yep.","start":902.225,"end":902.725,"sentiment":"neutral","sentiment_score":0.07259760797023773},{"text":"Yeah.","start":905.665,"end":906.165,"sentiment":"neutral","sentiment_score":0.05208396166563034},{"text":"Yeah.","start":913.92,"end":914.42,"sentiment":"neutral","sentiment_score":-0.005792863667011261},{"text":"Yeah.","start":932.575,"end":933.075,"sentiment":"neutral","sentiment_score":-0.020780550315976143},{"text":"Normally, when I'm still looking at this, I'll I'll either put you wholly into the SMA product or not at all.","start":933.375,"end":939.21,"sentiment":"neutral","sentiment_score":-0.009775760250964336}],"sentiment":"neutral","sentiment_score":-0.004287312384694815,"num_words":25,"start":902.225,"end":939.21},{"sentences":[{"text":"Just moving a small percentage into the SMA kind of doubles up on a lot of the investments because some of the investments you have here currently are still in the SMA product.","start":939.59,"end":947.53,"sentiment":"neutral","sentiment_score":0.06214303833742937},{"text":"So I would sort of wanna move you so yeah.","start":948.07,"end":951.70496,"sentiment":"neutral","sentiment_score":0.039981528930366037},{"text":"Yeah.","start":951.70496,"end":952.02496,"sentiment":"neutral","sentiment_score":0.08212828636169434},{"text":"Yeah.","start":952.02496,"end":952.52496,"sentiment":"neutral","sentiment_score":0.145738422870636},{"text":"Yeah.","start":953.785,"end":954.02496,"sentiment":"neutral","sentiment_score":0.3255937397480011}],"sentiment":"neutral","sentiment_score":0.0653042609438948,"num_words":46,"start":939.59,"end":954.02496},{"sentences":[{"text":"So some of these investments are in that product because they are doing really well, and they are worth keeping.","start":954.02496,"end":959.245,"sentiment":"positive","sentiment_score":0.4356451004743576},{"text":"If we were to move you wholly into that product, any of the investments that are currently in your portfolio that may exist in the SMA product, tend to be in CC transferred over.","start":959.70496,"end":969.26,"sentiment":"neutral","sentiment_score":0.08860876860425752},{"text":"So it works in a much more of a tax effective way.","start":969.26,"end":971.76,"sentiment":"neutral","sentiment_score":0.16484081000089645},{"text":"But as I said, I can look at working out whether the SMA is gonna work for you, whether it's gonna be cost effective.","start":972.06,"end":977.10004,"sentiment":"neutral","sentiment_score":0.22301866114139557},{"text":"I also consider tax consequences on your super fund and things like that.","start":977.10004,"end":980.925,"sentiment":"neutral","sentiment_score":0.09301087030997643}],"sentiment":"neutral","sentiment_score":0.19675028197539662,"num_words":103,"start":954.02496,"end":980.925},{"sentences":[{"text":"And or I can maybe just also look at whether we just move the underperforming investment fee and just do a couple of things, like a little bit of a switch here and keep the portfolio basically intact.","start":981.725,"end":991.825,"sentiment":"neutral","sentiment_score":0.09171964737929796},{"text":"I can look at both options, run the numbers, run the math, and see what it looks like.","start":992.605,"end":996.63,"sentiment":"neutral","sentiment_score":0.14644651280509102},{"text":"If you wanted to, at the end of the call, I do also have, like, the product disclosure statement, which essentially outlines a bit more detail around the estimate and the product.","start":996.87,"end":1005.91003,"sentiment":"neutral","sentiment_score":0.14930605050176382},{"text":"And they can even send you, you know, the last, change report that we got as well, which sort of gives you a bit of an idea as to what is currently kind of invested in the in the SMA there, and the PDF document for you to run your eyes over, have a bit of a look at.","start":1005.91003,"end":1021.505,"sentiment":"neutral","sentiment_score":0.15690794088325258},{"text":"And that kind of explains a lot around the partnership and the SMA and the product itself.","start":1021.505,"end":1025.745,"sentiment":"neutral","sentiment_score":0.145730061127859}],"sentiment":"neutral","sentiment_score":0.1380131524283348,"num_words":164,"start":981.725,"end":1025.745},{"sentences":[{"text":"Does that make sense?","start":1025.745,"end":1026.885,"sentiment":"neutral","sentiment_score":0.144247867166996},{"text":"Yep.","start":1028.8201,"end":1029.3,"sentiment":"positive","sentiment_score":0.5332731604576111},{"text":"Yeah.","start":1029.3,"end":1029.62,"sentiment":"positive","sentiment_score":0.47198718786239624},{"text":"Beautiful.","start":1029.62,"end":1030.12,"sentiment":"neutral","sentiment_score":0.0885392501950264},{"text":"I'll email those to you after the call, so you're welcome to have a bit of a look at it.","start":1030.18,"end":1033.72,"sentiment":"neutral","sentiment_score":0.2837876111268997}],"sentiment":"neutral","sentiment_score":0.27209419591559303,"num_words":27,"start":1025.745,"end":1033.72},{"sentences":[{"text":"If you want, you can then let me know whether you wanted to go ahead and look at the SMA product or whether you just want me to make some alterations here.","start":1033.78,"end":1041.0801,"sentiment":"neutral","sentiment_score":0.11224515759386122},{"text":"I have been looking at the different options for investments with your current with your current portfolio.","start":1041.4249,"end":1047.285,"sentiment":"neutral","sentiment_score":0.08759735546567861},{"text":"I've got a couple of options to sorta consider there.","start":1047.505,"end":1049.745,"sentiment":"neutral","sentiment_score":0.11459786742925644},{"text":"I just need to sit down and do the math and work out the CGT consequences and how that might look for you and just double check all the the past projections and things like that to make sure it's all gonna work.","start":1049.745,"end":1060.94,"sentiment":"neutral","sentiment_score":0.14744301963337633},{"text":"But we've got a couple of options here that we're able to swap out for you in your current in your current investment portfolio as well to make it easier.","start":1060.94,"end":1069.4199,"sentiment":"neutral","sentiment_score":0.21179276804129282}],"sentiment":"neutral","sentiment_score":0.14333948216429263,"num_words":132,"start":1033.78,"end":1069.4199},{"sentences":[{"text":"So I'm happy to do all the math and look at both ways for you if you're comfortable with that.","start":1069.4199,"end":1074.135,"sentiment":"positive","sentiment_score":0.4865241438150406},{"text":"Yeah.","start":1075.715,"end":1076.215,"sentiment":"positive","sentiment_score":0.36691004037857056},{"text":"Fantastic.","start":1076.4349,"end":1076.9349,"sentiment":"positive","sentiment_score":0.5105449557304382},{"text":"I can about two weeks normally.","start":1082.755,"end":1084.855,"sentiment":"neutral","sentiment_score":0.011232282345493635},{"text":"Is that okay?","start":1086.82,"end":1087.72,"sentiment":"neutral","sentiment_score":0.08869371314843495}],"sentiment":"positive","sentiment_score":0.3529487969654222,"num_words":31,"start":1069.4199,"end":1087.72},{"sentences":[{"text":"Yep.","start":1089.5399,"end":1090.0399,"sentiment":"neutral","sentiment_score":-0.03824128955602646},{"text":"Yeah.","start":1092.1799,"end":1092.6799,"sentiment":"neutral","sentiment_score":-0.03990592062473297},{"text":"No.","start":1093.0599,"end":1093.5599,"sentiment":"neutral","sentiment_score":-0.07824257016181946},{"text":"It's honestly fine.","start":1093.62,"end":1095.0,"sentiment":"neutral","sentiment_score":-0.02397296205163002},{"text":"Yeah.","start":1095.38,"end":1095.7,"sentiment":"neutral","sentiment_score":0.04025771468877792}],"sentiment":"neutral","sentiment_score":-0.02686442168695586,"num_words":7,"start":1089.5399,"end":1095.7},{"sentences":[{"text":"No.","start":1095.7,"end":1095.94,"sentiment":"neutral","sentiment_score":0.05179215967655182},{"text":"Not a problem at all.","start":1095.94,"end":1096.8999,"sentiment":"neutral","sentiment_score":0.13086579293012618},{"text":"Well, even at the end of the call, if you like, I can rebook in a time for you to go through the the advice with me in about two weeks so we have that time logged in, and I'll make sure everything's ready to go for them for you.","start":1096.8999,"end":1107.795,"sentiment":"neutral","sentiment_score":0.15347131595015526},{"text":"Okay?","start":1107.855,"end":1108.355,"sentiment":"neutral","sentiment_score":0.11210936307907104},{"text":"Yep.","start":1109.135,"end":1109.635,"sentiment":"neutral","sentiment_score":0.16720782220363617}],"sentiment":"neutral","sentiment_score":0.1492931742606492,"num_words":58,"start":1095.7,"end":1109.635},{"sentences":[{"text":"Beautiful.","start":1110.815,"end":1111.315,"sentiment":"neutral","sentiment_score":0.30749914050102234},{"text":"Yeah.","start":1112.495,"end":1112.995,"sentiment":"neutral","sentiment_score":0.14014500379562378},{"text":"Yeah.","start":1114.83,"end":1115.33,"sentiment":"neutral","sentiment_score":0.13481014966964722},{"text":"Yeah.","start":1132.925,"end":1133.425,"sentiment":"neutral","sentiment_score":0.028105685487389565},{"text":"Yeah.","start":1134.685,"end":1135.005,"sentiment":"neutral","sentiment_score":0.18843652307987213}],"sentiment":"neutral","sentiment_score":0.159799300506711,"num_words":5,"start":1110.815,"end":1135.005},{"sentences":[{"text":"Absolutely.","start":1135.005,"end":1135.505,"sentiment":"positive","sentiment_score":0.35010826587677},{"text":"So with the ban along Australian equities one, as I mentioned, we wanna get rid of that, but we wanna keep exposure to the Australian equities.","start":1135.885,"end":1141.9,"sentiment":"neutral","sentiment_score":-0.006769579047193894},{"text":"Australian equities are still doing quite well while we whilst we are sort of seeing that dip, it's still a good place to be.","start":1142.28,"end":1148.46,"sentiment":"positive","sentiment_score":0.3957022987306118},{"text":"Making sure we diversified in international equities, and there's a lot around The US at the moment with what's happening with Donald Trump and Iran.","start":1148.76,"end":1155.42,"sentiment":"neutral","sentiment_score":0.1793393561244011},{"text":"But there is still a space to be into the S and P 500.","start":1155.845,"end":1159.545,"sentiment":"neutral","sentiment_score":0.19706238486937114}],"sentiment":"neutral","sentiment_score":0.18792568523850706,"num_words":90,"start":1135.005,"end":1159.545},{"sentences":[{"text":"I do wanna kinda make sure we keep that in your portfolio.","start":1159.925,"end":1162.805,"sentiment":"positive","sentiment_score":0.46138156205415726},{"text":"You do have access to that.","start":1162.805,"end":1164.165,"sentiment":"positive","sentiment_score":0.5289270629485449},{"text":"It does still see long term really good growth.","start":1164.165,"end":1167.385,"sentiment":"positive","sentiment_score":0.6549475259251065},{"text":"And a lot of what we see in the market, the Australian equities tend to follow suit with The US equities.","start":1167.62,"end":1172.1001,"sentiment":"neutral","sentiment_score":0.22761016693853198},{"text":"If you wake up and you've heard Donald Trump tweeted something and The US markets are taking a bit of a dip, you do tend to find we follow suit as well.","start":1172.1001,"end":1179.7001,"sentiment":"neutral","sentiment_score":0.17122889473102987}],"sentiment":"neutral","sentiment_score":0.3107975874096155,"num_words":80,"start":1159.925,"end":1179.7001},{"sentences":[{"text":"So we do wanna keep that exposure heavily there.","start":1179.7001,"end":1183.685,"sentiment":"neutral","sentiment_score":0.2552274970544709},{"text":"Realistically, global health care is still a place to kind of make sure we maintain and stay in, and European markets are still really good to sort of make sure we're staying into as well.","start":1184.2251,"end":1194.72,"sentiment":"positive","sentiment_score":0.34042594858578273},{"text":"We kinda diversify not just by one or two companies in Europe.","start":1194.96,"end":1198.1599,"sentiment":"neutral","sentiment_score":0.13212563407917818},{"text":"We tend to diversify by looking at all of them because some European companies follow suit with, say, Australia and US ex market equity markets, but others don't.","start":1198.1599,"end":1208.095,"sentiment":"neutral","sentiment_score":0.18012686472918307},{"text":"And it's also encompassing not just existing markets, but also up and coming markets as well.","start":1208.095,"end":1213.955,"sentiment":"neutral","sentiment_score":0.164134721737355}],"sentiment":"neutral","sentiment_score":0.23467171043157578,"num_words":100,"start":1179.7001,"end":1213.955},{"sentences":[{"text":"Japan is one that has tend to travel or has tend to move not so much in unison with Australian and US markets.","start":1214.4149,"end":1221.615,"sentiment":"neutral","sentiment_score":0.029715928856445396},{"text":"We sort of saw last year there was some ups and downs with what's happening back then with companies, and it's waiting at the time that was around March.","start":1221.615,"end":1230.43,"sentiment":"neutral","sentiment_score":-0.14454054267242036},{"text":"And we sort of noted then that Japan wasn't moving in the same sort of direction.","start":1230.73,"end":1234.75,"sentiment":"neutral","sentiment_score":-0.20298666786402464},{"text":"And, again, this year, it's kind of had that same effect.","start":1234.81,"end":1237.755,"sentiment":"neutral","sentiment_score":-0.11073087765411897},{"text":"So I've kind of watched US and Australian equity markets take a little bit more of a dip.","start":1237.995,"end":1242.735,"sentiment":"neutral","sentiment_score":-0.11127073359158304}],"sentiment":"neutral","sentiment_score":-0.10285473111824892,"num_words":97,"start":1214.4149,"end":1242.735},{"sentences":[{"text":"You know, UK markets have sort of followed suit with that one, but then Japan's also got, you know, a lot of extra fuel set aside for their for their for their country.","start":1242.955,"end":1252.35,"sentiment":"neutral","sentiment_score":-0.007696153313824625},{"text":"They use a lot of gas as well.","start":1252.6499,"end":1254.6499,"sentiment":"neutral","sentiment_score":0.061073004733771086},{"text":"So LNG is something we export a lot to Japan.","start":1254.6499,"end":1257.21,"sentiment":"neutral","sentiment_score":0.08286567255854607},{"text":"They tend to use a lot more than we do there, and their investment markets haven't sort of fluctuated as greatly as ours have, and they kind of moved in the opposite direction to ours.","start":1257.21,"end":1266.845,"sentiment":"neutral","sentiment_score":-0.09219099176781519},{"text":"So when our markets The US market seem to be down, Japan seems to be doing quite well.","start":1266.845,"end":1271.505,"sentiment":"neutral","sentiment_score":-0.19036530206600824}],"sentiment":"neutral","sentiment_score":-0.053749927355406374,"num_words":104,"start":1242.955,"end":1271.505},{"sentences":[{"text":"In saying that, there's there are times when the markets all kinda drop in unison.","start":1271.965,"end":1277.025,"sentiment":"neutral","sentiment_score":-0.24133661439021428},{"text":"We kind of kinda avoid that at all, but this is sort of what we're seeing at the moment.","start":1277.61,"end":1281.55,"sentiment":"neutral","sentiment_score":-0.21366270670765325},{"text":"And I make a point of looking at these sort of things every day because, like you, I invest in my super, but I also have investments in my own name as well.","start":1281.93,"end":1288.89,"sentiment":"neutral","sentiment_score":0.293842292870536},{"text":"So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions.","start":1288.89,"end":1294.745,"sentiment":"neutral","sentiment_score":0.24264125463863215},{"text":"Other areas, cybersecurity is down a little bit at the moment, has had a little bit of a pullback with what's being happening globally.","start":1296.005,"end":1303.225,"sentiment":"neutral","sentiment_score":-0.06268123506257932}],"sentiment":"neutral","sentiment_score":0.05509735209786373,"num_words":115,"start":1271.965,"end":1303.225},{"sentences":[{"text":"Tech stocks, again, have also had a bit of a dip, But they are still really good investments to have in your portfolio.","start":1303.285,"end":1308.86,"sentiment":"neutral","sentiment_score":0.1923529541362887},{"text":"Your cybersecurity is down a little bit for this year, but it's still a good in investment to have.","start":1309.72,"end":1314.9199,"sentiment":"neutral","sentiment_score":0.24603344852987089},{"text":"So we're just sort of noting it as a bit of a dip.","start":1314.9199,"end":1317.1599,"sentiment":"neutral","sentiment_score":0.13017862805953392},{"text":"Don't wanna remove that.","start":1317.1599,"end":1318.515,"sentiment":"neutral","sentiment_score":-0.08832742087543011},{"text":"There's no real reason for it to having underperformed like you've been along Australian equities investment.","start":1318.675,"end":1323.8151,"sentiment":"neutral","sentiment_score":0.06197006028378382}],"sentiment":"neutral","sentiment_score":0.15239049217353265,"num_words":75,"start":1303.285,"end":1323.8151},{"sentences":[{"text":"It's the cybersecurity is down as a whole because of what's happening with tech stocks and what's happening as a whole globally, and we do see it coming back, which is really important.","start":1324.595,"end":1334.295,"sentiment":"neutral","sentiment_score":0.0074031429760383835},{"text":"Other than that, another good place to sorta make sure we have exposure is your precious metals, like gold and silver and things like that.","start":1335.45,"end":1342.75,"sentiment":"neutral","sentiment_score":0.20515328586101533},{"text":"They are growth investments, but they do have a tendency to also work defensively, which is really important as well.","start":1342.89,"end":1348.65,"sentiment":"neutral","sentiment_score":0.21564709320664405},{"text":"So gold has done really well for the past several years.","start":1348.65,"end":1352.025,"sentiment":"neutral","sentiment_score":0.3149560500275005},{"text":"It has a pretty heavy dip in February, but it only lasts a short period of time.","start":1352.025,"end":1356.365,"sentiment":"neutral","sentiment_score":-0.070108614204561}],"sentiment":"neutral","sentiment_score":0.11281837582728772,"num_words":106,"start":1324.595,"end":1356.365},{"sentences":[{"text":"And even with what we're going through at the moment, gold hasn't done too badly at all.","start":1356.585,"end":1361.005,"sentiment":"neutral","sentiment_score":-0.20568733399405198},{"text":"Having gold and silver in your portfolio and I could always look at adding a little bit of silver in there if it's gonna provide a bit more of a, you know, a bit more defensive nature for you as well.","start":1361.86,"end":1372.28,"sentiment":"neutral","sentiment_score":0.264794606988023},{"text":"But having gold in your portfolio, especially as as a growth asset, we all like it.","start":1373.6849,"end":1378.345,"sentiment":"positive","sentiment_score":0.33560283575206995},{"text":"It does grow in value over the longer term, but it can act defensively.","start":1378.565,"end":1382.505,"sentiment":"positive","sentiment_score":0.3904318021876471},{"text":"So when you kinda think back to the GFC or even, say, 2020, when markets equity markets are performing as well, people tend to move money into gold as a bit of a safe haven.","start":1382.6449,"end":1393.27,"sentiment":"neutral","sentiment_score":0.22475226329905645}],"sentiment":"neutral","sentiment_score":0.21188547989217246,"num_words":123,"start":1356.585,"end":1393.27},{"sentences":[{"text":"So it acts defensively in those in those times as well, and silver can do the same thing.","start":1393.3301,"end":1398.4701,"sentiment":"neutral","sentiment_score":0.1852213947309388},{"text":"You don't have any silver in your portfolio.","start":1398.93,"end":1400.9501,"sentiment":"neutral","sentiment_score":-0.0540833012200892},{"text":"Currently, I'm happy to look at maybe adding a little bit.","start":1401.045,"end":1403.285,"sentiment":"neutral","sentiment_score":0.21268134327097374},{"text":"It has been sort of an area that a lot of my clients have asked me to look at in recent months.","start":1403.285,"end":1408.3251,"sentiment":"neutral","sentiment_score":0.14212718470530075},{"text":"So I can definitely look at other metals and see if there's a way to maybe split the exposure so you're not overexposed to growth investments, but you still have bit of defensive investments in nature there.","start":1408.3251,"end":1418.52,"sentiment":"neutral","sentiment_score":0.1314763634188755}],"sentiment":"neutral","sentiment_score":0.13783580188949904,"num_words":96,"start":1393.3301,"end":1418.52},{"sentences":[{"text":"Defensive investments have taken a little bit of a hit recently, so things like bonds as well because here in Australia with what's happening globally here in Australia, we still have a good jobs market, and inflation has been a little bit too high as well.","start":1419.62,"end":1432.1749,"sentiment":"neutral","sentiment_score":-0.10161241451683252},{"text":"And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that.","start":1432.1749,"end":1441.23,"sentiment":"neutral","sentiment_score":-0.0608576527900166},{"text":"We don't normally throughout history don't normally sort of see equity markets and bond markets and fixed interest markets all kinda dipping at the same time.","start":1441.71,"end":1449.65,"sentiment":"neutral","sentiment_score":-0.0829004759971912},{"text":"But there are times when, say, inflationary pressures are kind of following a a kinda higher, as well as everything happening globally, which is what we're seeing at the moment.","start":1450.11,"end":1459.345,"sentiment":"neutral","sentiment_score":0.032028565928339955},{"text":"But, we're just kinda hopeful that, you know, in the next few months that that, you know, inflation can come under a bit more control.","start":1459.345,"end":1466.625,"sentiment":"positive","sentiment_score":0.37756389260292056}],"sentiment":"neutral","sentiment_score":0.012514378077217512,"num_words":154,"start":1419.62,"end":1466.625},{"sentences":[{"text":"We do know that the jobs market has sort of decreased a little bit slightly.","start":1466.625,"end":1471.19,"sentiment":"neutral","sentiment_score":-0.05616976718107859},{"text":"We're just sort of waiting to see what happens with the next RBA meeting and where we go from there and, obviously, what comes out when the government does the next comes out with their budget for the next year.","start":1471.25,"end":1483.5249,"sentiment":"neutral","sentiment_score":0.024126480589620768},{"text":"So there's a few things going on there, but, realistically, none of these areas are bad.","start":1484.065,"end":1488.3849,"sentiment":"neutral","sentiment_score":0.06928577530197799},{"text":"They're just all seeing a little bit of volatile time at the moment, and they're also really good to have to still be invested in.","start":1488.3849,"end":1494.325,"sentiment":"neutral","sentiment_score":0.16156504273414612},{"text":"This is about taking advantage of the downtimes and investing in when you've got that chance to into the discounted investment rate.","start":1494.5449,"end":1501.09,"sentiment":"neutral","sentiment_score":0.1600594124333425}],"sentiment":"neutral","sentiment_score":0.07450439205582617,"num_words":118,"start":1466.625,"end":1501.09},{"sentences":[{"text":"Does that all make sense?","start":1501.09,"end":1502.21,"sentiment":"neutral","sentiment_score":0.05136265382170677},{"text":"Do you have questions about any of that?","start":1502.21,"end":1504.23,"sentiment":"neutral","sentiment_score":0.009919842006638646},{"text":"Yeah.","start":1506.05,"end":1506.55,"sentiment":"neutral","sentiment_score":0.01174665056169033},{"text":"Yeah.","start":1509.09,"end":1509.59,"sentiment":"neutral","sentiment_score":0.009809705428779123},{"text":"Yeah.","start":1512.225,"end":1512.625,"sentiment":"neutral","sentiment_score":0.017719708383083344}],"sentiment":"neutral","sentiment_score":0.02346550434594974,"num_words":16,"start":1501.09,"end":1512.625},{"sentences":[{"text":"Absolutely.","start":1512.625,"end":1513.125,"sentiment":"neutral","sentiment_score":0.0349128395318985},{"text":"Yeah.","start":1520.865,"end":1521.365,"sentiment":"neutral","sentiment_score":0.1165742576122284},{"text":"Yeah.","start":1521.425,"end":1521.925,"sentiment":"neutral","sentiment_score":0.13859832286834717},{"text":"Yeah.","start":1525.28,"end":1525.78,"sentiment":"neutral","sentiment_score":0.19235342741012573},{"text":"Yeah.","start":1527.8401,"end":1528.3401,"sentiment":"neutral","sentiment_score":0.15389758348464966}],"sentiment":"neutral","sentiment_score":0.1272672861814499,"num_words":5,"start":1512.625,"end":1528.3401},{"sentences":[{"text":"Beautiful.","start":1530.7201,"end":1531.2201,"sentiment":"positive","sentiment_score":0.5485903024673462},{"text":"Excellent.","start":1532.4,"end":1532.9,"sentiment":"positive","sentiment_score":0.5434755086898804},{"text":"All good.","start":1533.04,"end":1533.76,"sentiment":"positive","sentiment_score":0.3497694432735443},{"text":"Did you want me to kinda break anything down further, or did you have any other questions in relation to that, or have I answered everything for the moment?","start":1533.76,"end":1540.5651,"sentiment":"neutral","sentiment_score":0.0232941300511874},{"text":"Or how's Yeah.","start":1540.705,"end":1543.765,"sentiment":"neutral","sentiment_score":-0.0011254789618154366}],"sentiment":"neutral","sentiment_score":0.0684377231195362,"num_words":36,"start":1530.7201,"end":1543.765},{"sentences":[{"text":"Yeah.","start":1549.4401,"end":1549.9401,"sentiment":"neutral","sentiment_score":-0.019242988899350166},{"text":"Yeah.","start":1552.3201,"end":1552.8201,"sentiment":"neutral","sentiment_score":-0.020480938255786896},{"text":"That's okay.","start":1553.28,"end":1554.1,"sentiment":"neutral","sentiment_score":-0.06656752713024616},{"text":"Mhmm.","start":1567.135,"end":1567.295,"sentiment":"neutral","sentiment_score":0.08654943108558655},{"text":"Yes.","start":1567.295,"end":1567.795,"sentiment":"neutral","sentiment_score":0.11710989475250244}],"sentiment":"neutral","sentiment_score":0.0051333907370766,"num_words":6,"start":1549.4401,"end":1567.795},{"sentences":[{"text":"Yeah.","start":1569.295,"end":1569.6951,"sentiment":"neutral","sentiment_score":0.20518970489501953},{"text":"Absolutely.","start":1569.6951,"end":1570.1951,"sentiment":"neutral","sentiment_score":0.3228510618209839},{"text":"Not a problem at all.","start":1570.415,"end":1571.55,"sentiment":"positive","sentiment_score":0.4043006718158722},{"text":"Perfect.","start":1571.87,"end":1572.37,"sentiment":"positive","sentiment_score":0.5612360239028931},{"text":"Well, that's basically giving you an update there.","start":1572.75,"end":1574.75,"sentiment":"neutral","sentiment_score":0.29551075026392937}],"sentiment":"positive","sentiment_score":0.3421791344881058,"num_words":16,"start":1569.295,"end":1574.75},{"sentences":[{"text":"And now having a look, I'll give you an update of your balance at the moment as well.","start":1574.75,"end":1578.27,"sentiment":"neutral","sentiment_score":0.2017470540271865},{"text":"So do you look at your hub 24 very often?","start":1578.27,"end":1581.0901,"sentiment":"neutral","sentiment_score":0.04614939745515585},{"text":"Yeah.","start":1583.4701,"end":1583.9701,"sentiment":"neutral","sentiment_score":-0.014008773490786552},{"text":"Yep.","start":1590.3251,"end":1590.8251,"sentiment":"neutral","sentiment_score":-0.07225248217582703},{"text":"Yeah.","start":1608.18,"end":1608.5801,"sentiment":"neutral","sentiment_score":-0.014709873124957085}],"sentiment":"neutral","sentiment_score":0.12877321994352725,"num_words":31,"start":1574.75,"end":1608.5801},{"sentences":[{"text":"No.","start":1608.5801,"end":1608.9,"sentiment":"neutral","sentiment_score":0.03432460129261017},{"text":"Perfect.","start":1608.9,"end":1609.4,"sentiment":"neutral","sentiment_score":0.1532706320285797},{"text":"Well, your balance at the moment as of yesterday's date, which is the last update here, was 49,197.","start":1609.78,"end":1616.565,"sentiment":"neutral","sentiment_score":0.13210402925809225},{"text":"I can send through a copy of a couple of like, when I send the interview docs through, I'll send through a copy of showing your balance, but I can also send through a couple of portfolio reports for you to have a look at as well to run your eyes over to give you a bit of a view of what's happening as well.","start":1617.345,"end":1631.11,"sentiment":"neutral","sentiment_score":0.15770026239065024},{"text":"Okay.","start":1631.11,"end":1631.61,"sentiment":"neutral","sentiment_score":0.08532508462667465}],"sentiment":"neutral","sentiment_score":0.1500152313951836,"num_words":86,"start":1608.5801,"end":1631.61},{"sentences":[{"text":"Yeah.","start":1632.5499,"end":1633.0499,"sentiment":"neutral","sentiment_score":0.06256619840860367},{"text":"Yeah.","start":1636.1499,"end":1636.6499,"sentiment":"neutral","sentiment_score":0.018855169415473935},{"text":"Yeah.","start":1637.9099,"end":1638.1499,"sentiment":"neutral","sentiment_score":0.03680279850959778},{"text":"Yeah.","start":1638.1499,"end":1638.39,"sentiment":"neutral","sentiment_score":0.08685503900051117},{"text":"You should do.","start":1638.39,"end":1639.2899,"sentiment":"neutral","sentiment_score":0.1205236737926801}],"sentiment":"neutral","sentiment_score":0.08095003238746099,"num_words":7,"start":1632.5499,"end":1639.2899},{"sentences":[{"text":"When you log in, you should have just a section where it's got account reporting.","start":1639.9099,"end":1644.1849,"sentiment":"neutral","sentiment_score":0.08128685553868611},{"text":"If you've got that section that you can kinda click on and go in and sort of see all the different reports that can be provided.","start":1644.965,"end":1652.1849,"sentiment":"neutral","sentiment_score":0.06158102819552788},{"text":"Worst case, once we have sent this email to you after the call, you've my direct email.","start":1652.8049,"end":1656.61,"sentiment":"neutral","sentiment_score":-0.07323474787613925},{"text":"You can always email me back, and I can send you regular reports on a regular basis as well just so you can kinda keep seeing where things are going if you like.","start":1656.61,"end":1663.6699,"sentiment":"neutral","sentiment_score":0.07070636421893582},{"text":"That's alright.","start":1666.53,"end":1667.27,"sentiment":"positive","sentiment_score":0.45795100927352905}],"sentiment":"neutral","sentiment_score":0.05187775150582354,"num_words":93,"start":1639.9099,"end":1667.27},{"sentences":[{"text":"Yeah.","start":1676.865,"end":1677.265,"sentiment":"neutral","sentiment_score":0.0247983206063509},{"text":"Yep.","start":1677.265,"end":1677.765,"sentiment":"neutral","sentiment_score":0.03537120670080185},{"text":"Absolutely.","start":1680.96,"end":1681.46,"sentiment":"neutral","sentiment_score":0.015975218266248703},{"text":"Yeah.","start":1682.0,"end":1682.48,"sentiment":"neutral","sentiment_score":0.020419927313923836},{"text":"So we have just had a little bit of a restructure around the business instead of up.","start":1682.48,"end":1685.84,"sentiment":"neutral","sentiment_score":-0.015257049132795894}],"sentiment":"neutral","sentiment_score":-0.007752626779533568,"num_words":21,"start":1676.865,"end":1685.84},{"sentences":[{"text":"So I've added you through to my book.","start":1685.84,"end":1687.62,"sentiment":"neutral","sentiment_score":0.03427604853641242},{"text":"If at any point you decide you're no longer comfortable with me as your adviser, just let me know.","start":1687.76,"end":1691.4401,"sentiment":"neutral","sentiment_score":-0.07254120040881007},{"text":"It's not an issue in any way, shape, or form.","start":1691.4401,"end":1693.605,"sentiment":"neutral","sentiment_score":-0.026657889847410843},{"text":"But, yeah, moving forward, I'll be the one that looks after you, does the advice, looks after the portfolio, and things like that.","start":1694.165,"end":1699.625,"sentiment":"neutral","sentiment_score":0.23284457170444986},{"text":"So you're attached to my book.","start":1699.6849,"end":1700.725,"sentiment":"neutral","sentiment_score":0.25276388476292294}],"sentiment":"neutral","sentiment_score":0.08335386575499522,"num_words":66,"start":1685.84,"end":1700.725},{"sentences":[{"text":"You'll put it to myself, and my admin, Michelle, will be the one that gives you a call regularly to kinda keep things a bit more streamlined for you.","start":1700.725,"end":1707.9249,"sentiment":"neutral","sentiment_score":0.3193948823830177},{"text":"Okay?","start":1707.9249,"end":1708.4249,"sentiment":"neutral","sentiment_score":0.14418160915374756},{"text":"Yeah.","start":1718.2999,"end":1718.78,"sentiment":"neutral","sentiment_score":0.05521742254495621},{"text":"Yeah.","start":1718.78,"end":1719.28,"sentiment":"neutral","sentiment_score":0.13456933200359344},{"text":"Yep.","start":1735.85,"end":1736.35,"sentiment":"neutral","sentiment_score":0.05496523901820183}],"sentiment":"neutral","sentiment_score":0.2924662179341822,"num_words":33,"start":1700.725,"end":1736.35},{"sentences":[{"text":"Yep.","start":1738.41,"end":1738.91,"sentiment":"neutral","sentiment_score":0.025560081005096436},{"text":"That's absolutely correct.","start":1741.37,"end":1742.81,"sentiment":"positive","sentiment_score":0.3786247968673706},{"text":"So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments.","start":1742.81,"end":1748.11,"sentiment":"neutral","sentiment_score":0.18864531779573077},{"text":"If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well.","start":1748.895,"end":1758.275,"sentiment":"neutral","sentiment_score":0.14793679529899045},{"text":"If it's more looking at mortgage side of things, we don't have a credit license, so we do refer you through to a mortgage broker for mortgage assistance.","start":1758.895,"end":1765.78,"sentiment":"neutral","sentiment_score":0.04448953058038439}],"sentiment":"neutral","sentiment_score":0.13176144201021928,"num_words":91,"start":1738.41,"end":1765.78},{"sentences":[{"text":"But we can provide advice around helping you to pay your debts down quicker, cash flow and budgeting, personal investment areas.","start":1766.24,"end":1772.42,"sentiment":"neutral","sentiment_score":0.126027449965477},{"text":"We do start with the super funds in in as well as insurances and other areas and things here.","start":1772.7201,"end":1777.695,"sentiment":"neutral","sentiment_score":0.08094041598470587},{"text":"So I can I'll also send you a copy of the financial services guide.","start":1777.7749,"end":1781.475,"sentiment":"neutral","sentiment_score":0.09802318577255521},{"text":"And in the financial services guide, it outlines all the areas that you can seek advice on with regard to us and what we are licensed to provide advice on in all those areas.","start":1781.7749,"end":1789.615,"sentiment":"neutral","sentiment_score":0.10323002923499136},{"text":"So it can give you a bit of clarity as well.","start":1789.615,"end":1791.2949,"sentiment":"neutral","sentiment_score":0.12330844050103967}],"sentiment":"neutral","sentiment_score":0.10528265447779135,"num_words":99,"start":1766.24,"end":1791.2949},{"sentences":[{"text":"But as being an ongoing client, you're entitled to advice in other areas.","start":1791.2949,"end":1795.3401,"sentiment":"neutral","sentiment_score":0.08200857788324356},{"text":"We currently don't charge anything for additional advice.","start":1795.3401,"end":1797.5,"sentiment":"neutral","sentiment_score":0.043007942382246256},{"text":"It's all part of the services that we provide.","start":1797.5,"end":1799.5,"sentiment":"neutral","sentiment_score":0.14690742227766249},{"text":"So you're more than welcome to ask me for any assistance you need.","start":1799.5,"end":1803.2001,"sentiment":"neutral","sentiment_score":0.19946206934176958},{"text":"If I can't provide it, if it's outside of my scope, then I'll find out who can and help and make sure if they're you on stem.","start":1803.5,"end":1809.575,"sentiment":"neutral","sentiment_score":-0.0680388096306059}],"sentiment":"neutral","sentiment_score":0.049832869906510625,"num_words":70,"start":1791.2949,"end":1809.575},{"sentences":[{"text":"Okay?","start":1809.635,"end":1810.135,"sentiment":"neutral","sentiment_score":0.008126607164740562},{"text":"Excellent.","start":1811.955,"end":1812.455,"sentiment":"positive","sentiment_score":0.3534489870071411},{"text":"Yeah.","start":1813.635,"end":1814.115,"sentiment":"neutral","sentiment_score":0.018276942893862724},{"text":"That's fine.","start":1814.115,"end":1814.9349,"sentiment":"neutral","sentiment_score":-0.0007443453650921583},{"text":"Perfect.","start":1816.515,"end":1817.015,"sentiment":"positive","sentiment_score":0.4310298264026642}],"sentiment":"neutral","sentiment_score":0.1348989454563707,"num_words":6,"start":1809.635,"end":1817.015},{"sentences":[{"text":"Absolutely.","start":1818.0349,"end":1818.5349,"sentiment":"positive","sentiment_score":0.5420810580253601},{"text":"I do a lot of cash on budgeting advice and debt reductions and things like that here.","start":1818.755,"end":1823.1001,"sentiment":"positive","sentiment_score":0.347600272473167},{"text":"So if there's ever any questions you have, even if it's just general information or things like that or you need some tools, let me know.","start":1823.1001,"end":1829.5801,"sentiment":"neutral","sentiment_score":0.15965898249011773},{"text":"I'm more than happy to go out there and do the extra work and provide you with as much information as possible.","start":1829.5801,"end":1834.4801,"sentiment":"positive","sentiment_score":0.6473125883124091},{"text":"Okay?","start":1834.7001,"end":1835.2001,"sentiment":"neutral","sentiment_score":0.24329116940498352}],"sentiment":"positive","sentiment_score":0.37442667682224245,"num_words":67,"start":1818.0349,"end":1835.2001},{"sentences":[{"text":"Amazing.","start":1837.085,"end":1837.325,"sentiment":"positive","sentiment_score":0.6331814527511597},{"text":"Beautiful.","start":1837.325,"end":1837.825,"sentiment":"positive","sentiment_score":0.6790428161621094},{"text":"Fantastic.","start":1838.0449,"end":1838.5449,"sentiment":"positive","sentiment_score":0.660619854927063},{"text":"I just wanted to go through and update any of your circumstances as well.","start":1839.965,"end":1843.745,"sentiment":"neutral","sentiment_score":0.31805959876094547},{"text":"Just double checking with regards to your work.","start":1843.965,"end":1846.125,"sentiment":"neutral","sentiment_score":0.07521658623591065}],"sentiment":"neutral","sentiment_score":0.28109644785523413,"num_words":25,"start":1837.085,"end":1846.125},{"sentences":[{"text":"Are you still working as a civil estimator?","start":1846.125,"end":1849.105,"sentiment":"neutral","sentiment_score":0.027395254466682673},{"text":"Has there been any changes to your your job or your role?","start":1849.245,"end":1852.34,"sentiment":"neutral","sentiment_score":0.015729871578514576},{"text":"The same position?","start":1854.96,"end":1855.86,"sentiment":"neutral","sentiment_score":-0.002263461239635945},{"text":"Beautiful.","start":1856.0,"end":1856.5,"sentiment":"neutral","sentiment_score":0.18709686398506165},{"text":"Income wise, have you had an increase in income at all?","start":1856.8,"end":1859.4401,"sentiment":"neutral","sentiment_score":-0.014241965572265062}],"sentiment":"neutral","sentiment_score":0.012330438675624984,"num_words":35,"start":1846.125,"end":1859.4401},{"sentences":[{"text":"A bit of a pay rise there?","start":1859.4401,"end":1860.9,"sentiment":"neutral","sentiment_score":-0.04244670857276235},{"text":"No.","start":1865.6951,"end":1866.1951,"sentiment":"neutral","sentiment_score":-0.0951654613018036},{"text":"I gross I had here yes.","start":1870.975,"end":1874.495,"sentiment":"neutral","sentiment_score":-0.022297415261467297},{"text":"So when we did your insurance application, there was a bit of a change in your income at the time, and it went up to about 120.","start":1874.495,"end":1880.9701,"sentiment":"neutral","sentiment_score":-0.026191157926977786},{"text":"Yeah.","start":1880.9701,"end":1881.3701,"sentiment":"neutral","sentiment_score":0.0344817228615284}],"sentiment":"neutral","sentiment_score":-0.028541820334447993,"num_words":42,"start":1859.4401,"end":1881.3701},{"sentences":[{"text":"Perfect.","start":1881.3701,"end":1881.8701,"sentiment":"neutral","sentiment_score":0.2562335729598999},{"text":"Just having a quick look at your certificate of currency as well just to make sure that that's sort of all in line because with insurance wise, you've got your income protection policy through Wang and Path there, and that's paid out of super.","start":1882.65,"end":1894.51,"sentiment":"neutral","sentiment_score":0.11615325730632652},{"text":"I'm just making sure.","start":1895.665,"end":1896.4651,"sentiment":"neutral","sentiment_score":0.07702257670462132},{"text":"So you're on about a 120,000 at the moment, and that means your sum insured monthly benefit and that insurable's about 7,000.","start":1896.4651,"end":1905.765,"sentiment":"neutral","sentiment_score":0.10899490558288315},{"text":"So your income protection is still in line with your income, which is fantastic.","start":1905.8251,"end":1910.52,"sentiment":"positive","sentiment_score":0.3865920752286911}],"sentiment":"neutral","sentiment_score":0.15864993149743362,"num_words":85,"start":1881.3701,"end":1910.52},{"sentences":[{"text":"And if you do happen to get any additional pay rises and you wanna kinda look at altering that, just let me know, and we can have that conversation and look at what that might look like for you.","start":1910.52,"end":1919.4,"sentiment":"neutral","sentiment_score":0.09087947230690564},{"text":"Okay?","start":1919.4,"end":1919.9,"sentiment":"neutral","sentiment_score":0.06496802717447281},{"text":"Beautiful.","start":1921.0801,"end":1921.5801,"sentiment":"positive","sentiment_score":0.4157644510269165},{"text":"With your income protection policy there, it does have a ninety day waiting period.","start":1921.88,"end":1924.955,"sentiment":"neutral","sentiment_score":0.08086757747722524},{"text":"It just means that if you're off work for any particular time, let us know as soon as you're off for an injury or illness.","start":1924.955,"end":1930.4149,"sentiment":"neutral","sentiment_score":-0.028826057563419452}],"sentiment":"neutral","sentiment_score":0.055456581797079706,"num_words":80,"start":1910.52,"end":1930.4149},{"sentences":[{"text":"We'll kind of help you to monitor that time frame.","start":1930.5549,"end":1933.135,"sentiment":"neutral","sentiment_score":0.038280210457742214},{"text":"But since that ninety days hit, then you can claim on the income protection.","start":1933.595,"end":1937.195,"sentiment":"neutral","sentiment_score":0.14242359782968247},{"text":"We get the documents back to the insurer nice and quickly, and they tend to assess and make the first payment within the next sort of thirty days.","start":1937.195,"end":1943.95,"sentiment":"neutral","sentiment_score":0.14480184923325265},{"text":"And you've got an age 65 benefit period, so that means that if you're off work, you can be off work up into the age of 65.","start":1944.33,"end":1951.545,"sentiment":"neutral","sentiment_score":0.012820289608229089},{"text":"So we'd hope nothing happens.","start":1951.625,"end":1953.4651,"sentiment":"neutral","sentiment_score":-0.05120251346379519}],"sentiment":"neutral","sentiment_score":0.07763475600984834,"num_words":84,"start":1930.5549,"end":1953.4651},{"sentences":[{"text":"It's always the worst thing with insurance is you're paying the premiums hoping you never have to claim.","start":1953.4651,"end":1958.6051,"sentiment":"neutral","sentiment_score":-0.17467190035515362},{"text":"But it is it is good to know that if anything did happen, you can essentially receive the income protection policy or the monthly benefit after tax up until the age of 65.","start":1959.4651,"end":1969.76,"sentiment":"neutral","sentiment_score":0.23567542456316226},{"text":"So you don't have to touch your super until that point if anything was to occur.","start":1969.76,"end":1973.54,"sentiment":"neutral","sentiment_score":0.07010854384861887},{"text":"Okay.","start":1973.76,"end":1974.26,"sentiment":"neutral","sentiment_score":0.16526436805725098},{"text":"Beautiful.","start":1975.52,"end":1976.02,"sentiment":"positive","sentiment_score":0.5817891359329224}],"sentiment":"neutral","sentiment_score":0.09423166680811108,"num_words":69,"start":1953.4651,"end":1976.02},{"sentences":[{"text":"The current premium for this one is $792.76.","start":1976.72,"end":1980.915,"sentiment":"neutral","sentiment_score":0.08284833375364542},{"text":"As you get older and closer to retirement age, as you get older, the risk of you making a claim increases.","start":1981.395,"end":1987.255,"sentiment":"neutral","sentiment_score":-0.15364608736265273},{"text":"So these insurance policies do get more expensive over time.","start":1987.795,"end":1990.915,"sentiment":"neutral","sentiment_score":-0.19571150541305543},{"text":"So each year it goes through renewal, which is around about June this year.","start":1990.915,"end":1995.09,"sentiment":"neutral","sentiment_score":-0.054551703057118824},{"text":"You'll see the renewal will come out.","start":1995.09,"end":1996.77,"sentiment":"neutral","sentiment_score":-0.042734622955322266}],"sentiment":"neutral","sentiment_score":-0.09306270703673362,"num_words":60,"start":1976.72,"end":1996.77},{"sentences":[{"text":"The price will have gone up just slightly.","start":1996.77,"end":1998.63,"sentiment":"neutral","sentiment_score":-0.2553227450698614},{"text":"We'll make sure every year we're doing reviews and checking those to make sure they're not costing you heat.","start":1998.69,"end":2004.47,"sentiment":"neutral","sentiment_score":-0.11853677210839171},{"text":"Because as you get kind of into your forties and fifties insurance things, especially income protection become very expensive and can be detrimental to your super.","start":2004.85,"end":2012.8151,"sentiment":"negative","sentiment_score":-0.3716509628754396},{"text":"So we'll just make sure we're make confirming that the amount you're covered for is in line with what you're able to claim, but then also making sure that we're not eating too much away of your super.","start":2012.8151,"end":2023.135,"sentiment":"neutral","sentiment_score":-0.03877937171216074},{"text":"Because at the end of the day, you wanna retire and have super debt to cover your living expenses in retirement.","start":2023.135,"end":2028.2301,"sentiment":"neutral","sentiment_score":-0.018118119488159817}],"sentiment":"neutral","sentiment_score":-0.14117680624726095,"num_words":112,"start":1996.77,"end":2028.2301},{"sentences":[{"text":"So yeah.","start":2028.53,"end":2029.67,"sentiment":"neutral","sentiment_score":0.12187932804226875},{"text":"Okay.","start":2029.89,"end":2030.39,"sentiment":"neutral","sentiment_score":0.300989031791687},{"text":"Beautiful.","start":2030.53,"end":2031.03,"sentiment":"neutral","sentiment_score":0.04517587646842003},{"text":"I'll make sure there's a certificate of currency attached to your annual review docs when I send those out for you as well just so you've got that to run your eyes over.","start":2031.5701,"end":2038.6901,"sentiment":"neutral","sentiment_score":0.1369816656365539},{"text":"And, again, let me know if you do happen to have any questions there at all.","start":2038.6901,"end":2042.025,"sentiment":"neutral","sentiment_score":0.09667732287198305}],"sentiment":"neutral","sentiment_score":0.12560671125099343,"num_words":53,"start":2028.53,"end":2042.025},{"sentences":[{"text":"Okay.","start":2042.185,"end":2042.685,"sentiment":"neutral","sentiment_score":0.2669236660003662},{"text":"Excellent.","start":2044.665,"end":2045.165,"sentiment":"positive","sentiment_score":0.6147177219390869},{"text":"So I've got income here about 100 and 20,000 at the moment.","start":2045.865,"end":2049.245,"sentiment":"neutral","sentiment_score":0.13503512740135193},{"text":"Are you expecting to get a bit of a pay rise in the new financial year, or do you have any kind of review coming up for work where you might get a pay rise?","start":2049.705,"end":2057.0051,"sentiment":"neutral","sentiment_score":0.0753396106085607},{"text":"No.","start":2058.9402,"end":2059.4402,"sentiment":"neutral","sentiment_score":-0.12875327467918396}],"sentiment":"neutral","sentiment_score":0.10020392026752234,"num_words":50,"start":2042.185,"end":2059.4402},{"sentences":[{"text":"Yeah.","start":2060.62,"end":2061.12,"sentiment":"neutral","sentiment_score":-0.050076160579919815},{"text":"Yep.","start":2065.9001,"end":2066.4001,"sentiment":"neutral","sentiment_score":-0.06352388858795166},{"text":"Yeah.","start":2076.475,"end":2076.975,"sentiment":"neutral","sentiment_score":-0.03925490751862526},{"text":"No.","start":2077.115,"end":2077.615,"sentiment":"neutral","sentiment_score":-0.10310572385787964},{"text":"Yep.","start":2081.3699,"end":2081.8699,"sentiment":"neutral","sentiment_score":0.14861464500427246}],"sentiment":"neutral","sentiment_score":-0.021469207108020784,"num_words":5,"start":2060.62,"end":2081.8699},{"sentences":[{"text":"Beautiful.","start":2081.93,"end":2082.43,"sentiment":"positive","sentiment_score":0.47334912419319153},{"text":"Beautiful.","start":2082.49,"end":2082.99,"sentiment":"positive","sentiment_score":0.42476686835289},{"text":"And with the assets and liabilities, I had down here your savings account.","start":2083.8499,"end":2087.13,"sentiment":"neutral","sentiment_score":0.07033074675844266},{"text":"I know you probably with purchasing the property, your savings might have changed pretty significantly, but how much do you have in savings at the moment?","start":2087.3699,"end":2093.63,"sentiment":"neutral","sentiment_score":0.00007822579489304469},{"text":"Yes.","start":2104.505,"end":2105.005,"sentiment":"neutral","sentiment_score":0.021552221849560738}],"sentiment":"neutral","sentiment_score":0.04371432840291943,"num_words":42,"start":2081.93,"end":2105.005},{"sentences":[{"text":"Yes.","start":2105.225,"end":2105.705,"sentiment":"neutral","sentiment_score":0.03612809628248215},{"text":"Beautiful.","start":2105.705,"end":2106.205,"sentiment":"neutral","sentiment_score":0.19071725010871887},{"text":"Yep.","start":2115.1602,"end":2115.6602,"sentiment":"neutral","sentiment_score":-0.006131411995738745},{"text":"Yep.","start":2120.135,"end":2120.455,"sentiment":"neutral","sentiment_score":0.05259952694177627},{"text":"That's okay.","start":2120.455,"end":2121.255,"sentiment":"neutral","sentiment_score":0.20449458807706833}],"sentiment":"neutral","sentiment_score":0.11371710624856253,"num_words":6,"start":2105.225,"end":2121.255},{"sentences":[{"text":"Perfect.","start":2121.255,"end":2121.755,"sentiment":"positive","sentiment_score":0.5236458778381348},{"text":"Excellent.","start":2122.135,"end":2122.635,"sentiment":"positive","sentiment_score":0.4265899658203125},{"text":"And I've also got in here we had a motorcycle.","start":2123.415,"end":2126.715,"sentiment":"neutral","sentiment_score":0.08151751570403576},{"text":"You were planning to sell that.","start":2127.095,"end":2128.775,"sentiment":"neutral","sentiment_score":0.054278205459316574},{"text":"Have you still got your motorcycle?","start":2128.775,"end":2130.235,"sentiment":"neutral","sentiment_score":0.005911647652586301}],"sentiment":"neutral","sentiment_score":0.08860625497375925,"num_words":24,"start":2121.255,"end":2130.235},{"sentences":[{"text":"Yep.","start":2135.75,"end":2136.25,"sentiment":"neutral","sentiment_score":-0.04311191663146019},{"text":"Yeah.","start":2139.99,"end":2140.39,"sentiment":"neutral","sentiment_score":0.17535400390625},{"text":"Nice.","start":2140.39,"end":2140.89,"sentiment":"positive","sentiment_score":0.47863247990608215},{"text":"How much are you planning to sell it for?","start":2141.0298,"end":2142.97,"sentiment":"neutral","sentiment_score":0.1274535266889466},{"text":"About 15.","start":2146.265,"end":2147.065,"sentiment":"neutral","sentiment_score":0.08175993710756302}],"sentiment":"neutral","sentiment_score":0.13724829868546554,"num_words":14,"start":2135.75,"end":2147.065},{"sentences":[{"text":"Yeah.","start":2147.065,"end":2147.545,"sentiment":"neutral","sentiment_score":0.3255104720592499},{"text":"Beautiful.","start":2147.545,"end":2148.045,"sentiment":"positive","sentiment_score":0.7461920976638794},{"text":"Fantastic.","start":2148.345,"end":2148.845,"sentiment":"positive","sentiment_score":0.7439411878585815},{"text":"And then I also had contents down here.","start":2150.105,"end":2152.605,"sentiment":"neutral","sentiment_score":0.24328858219087124},{"text":"What do you do you now have contents insurance now that you've purchased your property?","start":2152.665,"end":2156.605,"sentiment":"neutral","sentiment_score":0.07715844536821047}],"sentiment":"neutral","sentiment_score":0.18920496521660915,"num_words":26,"start":2147.065,"end":2156.605},{"sentences":[{"text":"Yeah.","start":2171.215,"end":2171.715,"sentiment":"neutral","sentiment_score":0.005603528581559658},{"text":"Yep.","start":2178.335,"end":2178.835,"sentiment":"neutral","sentiment_score":-0.009058160707354546},{"text":"Yep.","start":2183.5498,"end":2184.0498,"sentiment":"neutral","sentiment_score":-0.023939073085784912},{"text":"That's okay.","start":2188.3499,"end":2189.3298,"sentiment":"neutral","sentiment_score":-0.004758552648127079},{"text":"It's a difficult one, isn't it?","start":2189.71,"end":2191.65,"sentiment":"neutral","sentiment_score":-0.08253102687497933}],"sentiment":"neutral","sentiment_score":-0.048372451977973636,"num_words":11,"start":2171.215,"end":2191.65},{"sentences":[{"text":"That's Yes.","start":2193.47,"end":2217.26,"sentiment":"neutral","sentiment_score":-0.06436155550181866},{"text":"Yes.","start":2217.4,"end":2217.9,"sentiment":"neutral","sentiment_score":0.0403510183095932},{"text":"Yep.","start":2221.495,"end":2221.8152,"sentiment":"neutral","sentiment_score":0.16197404265403748},{"text":"That's perfect.","start":2221.8152,"end":2222.5552,"sentiment":"positive","sentiment_score":0.5127813667058945},{"text":"Fantastic.","start":2222.615,"end":2223.115,"sentiment":"positive","sentiment_score":0.5175125598907471}],"sentiment":"neutral","sentiment_score":0.23095389189464705,"num_words":7,"start":2193.47,"end":2223.115},{"sentences":[{"text":"That's all I had noted down here for assets.","start":2224.0552,"end":2225.975,"sentiment":"neutral","sentiment_score":0.1697756846745809},{"text":"Is there any other assets you'd note down, any other shares or collections or anything else of value that you'd wanna sort of note?","start":2225.975,"end":2232.155,"sentiment":"neutral","sentiment_score":0.09815267939120531},{"text":"Yep.","start":2241.56,"end":2242.06,"sentiment":"neutral","sentiment_score":-0.013589221052825453},{"text":"Yeah.","start":2247.975,"end":2248.475,"sentiment":"neutral","sentiment_score":-0.021119454875588417},{"text":"Okay.","start":2249.815,"end":2250.315,"sentiment":"neutral","sentiment_score":-0.02130650356411934}],"sentiment":"neutral","sentiment_score":0.10632306355465618,"num_words":36,"start":2224.0552,"end":2250.315},{"sentences":[{"text":"Yep.","start":2257.3499,"end":2257.8499,"sentiment":"neutral","sentiment_score":0.031076811254024506},{"text":"Yep.","start":2263.99,"end":2264.49,"sentiment":"neutral","sentiment_score":0.03600122034549713},{"text":"Absolutely.","start":2264.8699,"end":2265.3699,"sentiment":"neutral","sentiment_score":0.15095417201519012},{"text":"Yeah.","start":2267.75,"end":2268.0698,"sentiment":"neutral","sentiment_score":0.0525360181927681},{"text":"No.","start":2268.0698,"end":2268.405,"sentiment":"neutral","sentiment_score":0.02501814439892769}],"sentiment":"neutral","sentiment_score":0.05911727324128151,"num_words":5,"start":2257.3499,"end":2268.405},{"sentences":[{"text":"Definitely.","start":2268.485,"end":2268.805,"sentiment":"neutral","sentiment_score":0.10140477120876312},{"text":"When you are ready, let me know.","start":2268.805,"end":2270.0051,"sentiment":"neutral","sentiment_score":0.12156410089560918},{"text":"We can definitely have that conversation.","start":2270.0051,"end":2271.465,"sentiment":"neutral","sentiment_score":0.26384517302115756},{"text":"I can always do research around what personal investments might look like versus paying your mortgage down and sorta weigh out the benefit and provide the advice that way.","start":2271.5251,"end":2278.405,"sentiment":"neutral","sentiment_score":0.10656634666796388},{"text":"But, yeah, we can absolutely do that for you.","start":2278.405,"end":2280.245,"sentiment":"neutral","sentiment_score":0.31663919157452053}],"sentiment":"neutral","sentiment_score":0.16299233256051174,"num_words":52,"start":2268.485,"end":2280.245},{"sentences":[{"text":"Not a problem at all.","start":2280.245,"end":2281.545,"sentiment":"neutral","sentiment_score":-0.09620010852813721},{"text":"With your car, what's the value would you put on the car now?","start":2282.04,"end":2284.52,"sentiment":"neutral","sentiment_score":-0.009432786072676},{"text":"Do you think?","start":2284.52,"end":2285.26,"sentiment":"neutral","sentiment_score":-0.021182480578621227},{"text":"70.","start":2295.815,"end":2296.315,"sentiment":"neutral","sentiment_score":-0.02999613620340824},{"text":"Beautiful.","start":2297.4949,"end":2297.9949,"sentiment":"positive","sentiment_score":0.3780935406684875}],"sentiment":"neutral","sentiment_score":-0.013872904298098194,"num_words":23,"start":2280.245,"end":2297.9949},{"sentences":[{"text":"And with the value on the house, what's the value we'd put on the property now?","start":2298.4548,"end":2302.315,"sentiment":"neutral","sentiment_score":0.07093127025291324},{"text":"Yeah.","start":2311.6702,"end":2311.99,"sentiment":"neutral","sentiment_score":0.00708407536149025},{"text":"So we kind of go on what would it be to you.","start":2311.99,"end":2314.55,"sentiment":"neutral","sentiment_score":0.023013705853372812},{"text":"So if you had to sell the property tomorrow, what would you want for it?","start":2314.55,"end":2317.51,"sentiment":"neutral","sentiment_score":0.012524746110041935},{"text":"What value is it to you?","start":2317.51,"end":2319.105,"sentiment":"neutral","sentiment_score":0.006465979230900605}],"sentiment":"neutral","sentiment_score":0.03289631873369217,"num_words":50,"start":2298.4548,"end":2319.105},{"sentences":[{"text":"Yep.","start":2322.705,"end":2323.025,"sentiment":"neutral","sentiment_score":0.07376021891832352},{"text":"Beautiful.","start":2323.025,"end":2323.525,"sentiment":"positive","sentiment_score":0.33790308237075806},{"text":"And what's the loan owing on that one at the moment?","start":2323.905,"end":2326.2449,"sentiment":"neutral","sentiment_score":0.041547456925565544},{"text":"If you the property is fine.","start":2328.625,"end":2330.325,"sentiment":"neutral","sentiment_score":0.022774685484667618},{"text":"Yeah.","start":2333.95,"end":2334.45,"sentiment":"neutral","sentiment_score":0.16180896759033203}],"sentiment":"neutral","sentiment_score":0.058357120398432015,"num_words":20,"start":2322.705,"end":2334.45},{"sentences":[{"text":"Beautiful.","start":2334.51,"end":2335.01,"sentiment":"positive","sentiment_score":0.6056318283081055},{"text":"Fantastic.","start":2335.3098,"end":2335.8098,"sentiment":"positive","sentiment_score":0.6412901878356934},{"text":"Excellent.","start":2336.75,"end":2337.25,"sentiment":"positive","sentiment_score":0.5499520301818848},{"text":"Well, that's everything I've got noted there at the moment.","start":2337.63,"end":2339.97,"sentiment":"neutral","sentiment_score":0.23484532088041304},{"text":"I also do like to sort of touch on just with the estate planning side of things.","start":2340.51,"end":2344.8298,"sentiment":"neutral","sentiment_score":0.1396910873488249}],"sentiment":"neutral","sentiment_score":0.2173358580019946,"num_words":30,"start":2334.51,"end":2344.8298},{"sentences":[{"text":"So now that you do have your property, have you spoken to a solicitor or had a will and power of attorney drawn up or anything like that?","start":2344.8298,"end":2351.865,"sentiment":"neutral","sentiment_score":0.01909106397735221},{"text":"Yep.","start":2362.18,"end":2362.68,"sentiment":"neutral","sentiment_score":-0.008641963824629784},{"text":"Mhmm.","start":2369.6199,"end":2370.1199,"sentiment":"neutral","sentiment_score":-0.11324211955070496},{"text":"Yep.","start":2370.7551,"end":2371.2551,"sentiment":"neutral","sentiment_score":-0.08472698926925659},{"text":"Yep.","start":2381.3152,"end":2381.8152,"sentiment":"neutral","sentiment_score":0.10357949137687684}],"sentiment":"neutral","sentiment_score":0.013484944065567106,"num_words":32,"start":2344.8298,"end":2381.8152},{"sentences":[{"text":"Yeah.","start":2386.8499,"end":2387.0898,"sentiment":"neutral","sentiment_score":0.27234652638435364},{"text":"It is definitely yeah.","start":2387.0898,"end":2389.75,"sentiment":"neutral","sentiment_score":0.02483189105987549},{"text":"Absolutely.","start":2390.45,"end":2390.95,"sentiment":"neutral","sentiment_score":0.18441367149353027},{"text":"Well, if you like, what I can do is as part of the email, I can send through some information on a local solicitor that we can refer you through to.","start":2391.33,"end":2397.525,"sentiment":"neutral","sentiment_score":0.20149197116974862},{"text":"It's not a referral list such at the moment.","start":2397.6848,"end":2399.4448,"sentiment":"neutral","sentiment_score":0.016305324931939442}],"sentiment":"neutral","sentiment_score":0.151067104190588,"num_words":46,"start":2386.8499,"end":2399.4448},{"sentences":[{"text":"Just some information on them and a bit of a price list to show you what they charge for doing wills and power of attorney and just a bit of information around trust and things like that for you just to kinda start the conversation, give you some reading material to look at.","start":2399.4448,"end":2411.88,"sentiment":"neutral","sentiment_score":0.1519099641239868},{"text":"And then if you did wanna kinda refer through, you're welcome to either contact them, or you can let us know.","start":2412.3599,"end":2416.7598,"sentiment":"neutral","sentiment_score":0.19885037555581048},{"text":"We can refer you through to them.","start":2416.7598,"end":2418.46,"sentiment":"neutral","sentiment_score":0.2281510787350791},{"text":"The wills with the solicitor are they do they do charge you for that separately.","start":2419.16,"end":2423.4,"sentiment":"neutral","sentiment_score":0.09776902993520101},{"text":"It's not kinda through us in any way.","start":2423.4,"end":2425.42,"sentiment":"neutral","sentiment_score":0.04277975717559457}],"sentiment":"neutral","sentiment_score":0.1503165100271312,"num_words":104,"start":2399.4448,"end":2425.42},{"sentences":[{"text":"But I always think it's more of an investment in yourself.","start":2425.7751,"end":2428.0151,"sentiment":"neutral","sentiment_score":0.31691173260862177},{"text":"You've worked really hard.","start":2428.0151,"end":2428.975,"sentiment":"positive","sentiment_score":0.43263528496026993},{"text":"You've now got your house and everything.","start":2428.975,"end":2430.8152,"sentiment":"positive","sentiment_score":0.4508313919816698},{"text":"So you wanna make sure protecting those assets and having them directed to where you want them to go in the event that something was to happen to you.","start":2430.8152,"end":2438.2751,"sentiment":"positive","sentiment_score":0.3399113128925192},{"text":"Because the alternative is probate, which can be a very long process, can be costly to the estate, and can often end up with, you know, the outcome being the funds or the assets are paid to someone that you don't want them to go through to.","start":2438.74,"end":2452.26,"sentiment":"neutral","sentiment_score":-0.13871858348237706}],"sentiment":"neutral","sentiment_score":0.11949025094509125,"num_words":98,"start":2425.7751,"end":2452.26},{"sentences":[{"text":"So it's definitely more of an investment in yourself there, which is really important.","start":2452.26,"end":2456.375,"sentiment":"neutral","sentiment_score":0.24267742902572667},{"text":"But I can start by sending the email through.","start":2456.375,"end":2458.2952,"sentiment":"neutral","sentiment_score":0.14924938728411993},{"text":"You're welcome to ask me any questions that you have as well, and we can start there for you if you like.","start":2458.2952,"end":2463.495,"sentiment":"neutral","sentiment_score":0.22289008647203445},{"text":"Does that sound okay?","start":2463.495,"end":2464.5552,"sentiment":"neutral","sentiment_score":0.14830850809812546},{"text":"Yep.","start":2466.15,"end":2466.65,"sentiment":"positive","sentiment_score":0.3613659143447876}],"sentiment":"neutral","sentiment_score":0.211978206820786,"num_words":50,"start":2452.26,"end":2466.65},{"sentences":[{"text":"Beautiful.","start":2466.71,"end":2467.21,"sentiment":"positive","sentiment_score":0.5474948883056641},{"text":"With your super, your beneficiary is your legal personal representative.","start":2467.67,"end":2470.73,"sentiment":"neutral","sentiment_score":0.2178883895277977},{"text":"So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be.","start":2470.79,"end":2481.155,"sentiment":"neutral","sentiment_score":0.19226362369954586},{"text":"But you're happy with your your LPR legal personal representative being your beneficiary currently?","start":2481.155,"end":2486.455,"sentiment":"neutral","sentiment_score":0.2226736204964774},{"text":"Yeah.","start":2488.995,"end":2489.495,"sentiment":"neutral","sentiment_score":0.03134401515126228}],"sentiment":"neutral","sentiment_score":0.20478218469236578,"num_words":70,"start":2466.71,"end":2489.495},{"sentences":[{"text":"Yep.","start":2496.29,"end":2496.79,"sentiment":"neutral","sentiment_score":-0.008401208557188511},{"text":"Yeah.","start":2498.53,"end":2499.03,"sentiment":"neutral","sentiment_score":0.09320688247680664},{"text":"Perfect.","start":2499.57,"end":2500.07,"sentiment":"positive","sentiment_score":0.3991962671279907},{"text":"Excellent.","start":2500.6099,"end":2501.1099,"sentiment":"positive","sentiment_score":0.4427483081817627},{"text":"All good.","start":2501.41,"end":2502.15,"sentiment":"positive","sentiment_score":0.4136301875114441}],"sentiment":"neutral","sentiment_score":0.29233510404204327,"num_words":6,"start":2496.29,"end":2502.15},{"sentences":[{"text":"And so that's the estate planning side of things.","start":2503.185,"end":2505.665,"sentiment":"neutral","sentiment_score":0.17787270744641623},{"text":"Health wise, is everything okay?","start":2505.665,"end":2507.2651,"sentiment":"neutral","sentiment_score":0.08105791062116623},{"text":"Health wise, you haven't had any changes to your health in the last twelve months from when we sort of caught up last year?","start":2507.2651,"end":2512.3252,"sentiment":"neutral","sentiment_score":0.011097823735326529},{"text":"No.","start":2514.48,"end":2514.72,"sentiment":"neutral","sentiment_score":-0.021000858396291733},{"text":"Beautiful.","start":2514.72,"end":2515.22,"sentiment":"neutral","sentiment_score":0.12627942860126495}],"sentiment":"neutral","sentiment_score":0.059444256499409674,"num_words":40,"start":2503.185,"end":2515.22},{"sentences":[{"text":"That's what we wanna hear.","start":2515.28,"end":2516.48,"sentiment":"neutral","sentiment_score":0.16911115050315856},{"text":"That's fantastic.","start":2516.48,"end":2517.22,"sentiment":"positive","sentiment_score":0.6395150125026703},{"text":"And the other thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment.","start":2518.32,"end":2530.4348,"sentiment":"neutral","sentiment_score":0.09650223123583387},{"text":"So I'm just having a quick look here at your portfolio.","start":2530.4348,"end":2533.7349,"sentiment":"neutral","sentiment_score":0.06268214705315503},{"text":"I believe you're in yep.","start":2534.755,"end":2538.355,"sentiment":"neutral","sentiment_score":0.06721681728959084}],"sentiment":"neutral","sentiment_score":0.10979683356625693,"num_words":70,"start":2515.28,"end":2538.355},{"sentences":[{"text":"High growth.","start":2538.355,"end":2538.915,"sentiment":"neutral","sentiment_score":0.10745277255773544},{"text":"Perfect.","start":2538.915,"end":2539.415,"sentiment":"neutral","sentiment_score":0.2762697637081146},{"text":"So generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets.","start":2539.4749,"end":2545.65,"sentiment":"neutral","sentiment_score":0.10644882349740892},{"text":"But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there.","start":2546.27,"end":2551.71,"sentiment":"neutral","sentiment_score":0.010855011722963789},{"text":"A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns.","start":2551.95,"end":2558.705,"sentiment":"neutral","sentiment_score":0.14542971923947334}],"sentiment":"neutral","sentiment_score":0.08417684729728434,"num_words":63,"start":2538.355,"end":2558.705},{"sentences":[{"text":"You're averaging or hoping to get about eight to 10% on a yearly basis.","start":2558.925,"end":2562.365,"sentiment":"neutral","sentiment_score":0.14168640758310044},{"text":"So anything under 8% is seen as underperformance, and anything over that 10% is fantastic.","start":2562.365,"end":2568.145,"sentiment":"neutral","sentiment_score":0.12017833391825358},{"text":"A high growth investor generally sees a likelihood of a negative return expected about one in every sort of five years.","start":2569.405,"end":2576.15,"sentiment":"negative","sentiment_score":-0.3562101906254178},{"text":"Do you feel like that is fairly comfortable for yourself?","start":2576.53,"end":2579.57,"sentiment":"neutral","sentiment_score":-0.12080842554569245},{"text":"Did you wanna look at maybe altering or, you know, reassessing the risk profile for yourself at the moment, or what are your thoughts with that?","start":2579.57,"end":2587.59,"sentiment":"neutral","sentiment_score":-0.06536774079387005}],"sentiment":"neutral","sentiment_score":-0.07676482330574545,"num_words":86,"start":2558.925,"end":2587.59},{"sentences":[{"text":"Yep.","start":2589.6748,"end":2590.1748,"sentiment":"neutral","sentiment_score":0.03817572444677353},{"text":"Yeah.","start":2593.115,"end":2593.615,"sentiment":"neutral","sentiment_score":0.1905636340379715},{"text":"Absolutely.","start":2596.3948,"end":2596.8948,"sentiment":"positive","sentiment_score":0.5496190190315247},{"text":"Yep.","start":2599.6748,"end":2599.9148,"sentiment":"neutral","sentiment_score":0.2041182816028595},{"text":"Yeah.","start":2599.9148,"end":2600.2349,"sentiment":"neutral","sentiment_score":0.32133960723876953}],"sentiment":"neutral","sentiment_score":0.26076325327157973,"num_words":5,"start":2589.6748,"end":2600.2349},{"sentences":[{"text":"Beautiful.","start":2600.2349,"end":2600.7349,"sentiment":"positive","sentiment_score":0.5667097568511963},{"text":"Realistically, with where you are, your agency is your high growth portfolio is generally where we'd sort of see you for now as you get closer and closer to accessing super a long way down the track because you're still so young.","start":2600.795,"end":2611.1099,"sentiment":"neutral","sentiment_score":0.2616541495635396},{"text":"Essentially, when you get closer to retirement, it will start to sort of pull back on that risk level a little bit because when you get to those retirement years, you want more income reducing investments, lower fluctuations to be able to, you know, steady out your super.","start":2611.65,"end":2623.385,"sentiment":"neutral","sentiment_score":0.10839358111843467},{"text":"But for now, taking advantage of those ups and downs and, you know, really taking advantage of the market volatility is a good thing.","start":2623.385,"end":2629.8652,"sentiment":"neutral","sentiment_score":0.22801502545674643},{"text":"So I'm happy to keep you in that portfolio.","start":2629.8652,"end":2632.125,"sentiment":"positive","sentiment_score":0.4665655328167809}],"sentiment":"neutral","sentiment_score":0.21314940595578763,"num_words":124,"start":2600.2349,"end":2632.125},{"sentences":[{"text":"Every couple of years, we'll try to do a bit more of a risk profile questionnaire.","start":2632.3452,"end":2635.78,"sentiment":"neutral","sentiment_score":0.17393466737121344},{"text":"But for now, I'm pretty comfortable with you where you're at as long as you are.","start":2636.56,"end":2639.92,"sentiment":"neutral","sentiment_score":0.25530074816197157},{"text":"And if you ever feel you're not comfortable in that, just because we sort of suggest, you know, being younger, you can take more risk in the market.","start":2639.92,"end":2647.28,"sentiment":"neutral","sentiment_score":-0.10571718428816114},{"text":"If at any point you're not comfortable taking risk or you feel like you wanted to pull back, let me know.","start":2647.28,"end":2652.215,"sentiment":"neutral","sentiment_score":-0.11630300148611977},{"text":"We can always have that conversation.","start":2652.215,"end":2653.835,"sentiment":"neutral","sentiment_score":0.1933913230895996}],"sentiment":"neutral","sentiment_score":0.030180119491856675,"num_words":87,"start":2632.3452,"end":2653.835},{"sentences":[{"text":"We can always reduce or look at your risk profile at any point in time.","start":2653.895,"end":2657.655,"sentiment":"neutral","sentiment_score":0.1382464186598857},{"text":"It doesn't have to be at review time.","start":2657.655,"end":2659.7551,"sentiment":"neutral","sentiment_score":0.08985337149351835},{"text":"And we can do regular catch ups throughout the year as well.","start":2660.0552,"end":2662.695,"sentiment":"neutral","sentiment_score":0.15371928488214812},{"text":"I know you know you've gone through that initial implementation stage.","start":2662.695,"end":2666.26,"sentiment":"neutral","sentiment_score":0.10184256055138328},{"text":"Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months?","start":2666.72,"end":2674.88,"sentiment":"neutral","sentiment_score":0.09790646239663615}],"sentiment":"neutral","sentiment_score":0.11377640627324581,"num_words":79,"start":2653.895,"end":2674.88},{"sentences":[{"text":"How would you like me to kind of move forward for you?","start":2674.88,"end":2677.54,"sentiment":"neutral","sentiment_score":0.10214644360045592},{"text":"Six months.","start":2683.395,"end":2684.135,"sentiment":"neutral","sentiment_score":0.022212621755898},{"text":"Yep.","start":2684.275,"end":2684.775,"sentiment":"neutral","sentiment_score":0.13216480612754822},{"text":"Beautiful.","start":2686.435,"end":2686.935,"sentiment":"positive","sentiment_score":0.6159975528717041},{"text":"Not a problem at all.","start":2687.075,"end":2687.955,"sentiment":"positive","sentiment_score":0.38539642095565796}],"sentiment":"neutral","sentiment_score":0.18787271573784806,"num_words":21,"start":2674.88,"end":2687.955},{"sentences":[{"text":"And if that ever changes, you let me know.","start":2687.955,"end":2689.715,"sentiment":"neutral","sentiment_score":0.23958803878890145},{"text":"I'm more than happy to update that for you there as well, Andrew.","start":2689.715,"end":2692.695,"sentiment":"positive","sentiment_score":0.5667409621752225},{"text":"Okay.","start":2692.835,"end":2693.335,"sentiment":"positive","sentiment_score":0.3381741940975189},{"text":"Beautiful.","start":2694.3801,"end":2694.8801,"sentiment":"positive","sentiment_score":0.5384531021118164},{"text":"That's basically everything I did need to go through.","start":2695.5,"end":2697.82,"sentiment":"neutral","sentiment_score":0.2915253523323271}],"sentiment":"positive","sentiment_score":0.3946751613508571,"num_words":33,"start":2687.955,"end":2697.82},{"sentences":[{"text":"The only other thing I will attach to your and your review documents is the ongoing service agreement.","start":2697.82,"end":2704.22,"sentiment":"neutral","sentiment_score":0.07606432793868913},{"text":"So you are aware as an ongoing client, we want we do charge a a fee for our services.","start":2704.22,"end":2709.2651,"sentiment":"neutral","sentiment_score":0.040313690312598884},{"text":"It is 1.65% per annum.","start":2709.2651,"end":2711.5251,"sentiment":"neutral","sentiment_score":0.024725254625082016},{"text":"That is the per annum amount is a percentage based fee, so it does fluctuate and is linked to performance of your super.","start":2712.5452,"end":2718.705,"sentiment":"neutral","sentiment_score":0.07460458333725514},{"text":"So our ongoing service fee is deducted in smaller monthly increments, and it essentially fluctuates the market.","start":2718.705,"end":2725.07,"sentiment":"neutral","sentiment_score":0.04887179131893551}],"sentiment":"neutral","sentiment_score":0.05860329464804835,"num_words":82,"start":2697.82,"end":2725.07},{"sentences":[{"text":"So as a percentage of what's happening with your super, when the market is higher, it does mean that our fee is gonna be a little bit higher as well.","start":2725.07,"end":2732.27,"sentiment":"neutral","sentiment_score":0.03483494619528452},{"text":"But when the market takes a bit of a dip due to external factors, our fee takes a bit of a dip with it as well.","start":2732.27,"end":2737.725,"sentiment":"neutral","sentiment_score":-0.04632088011847092},{"text":"So that is one benefit to having that sort of fee structure.","start":2737.725,"end":2741.105,"sentiment":"neutral","sentiment_score":0.2114556866387526},{"text":"And as I mentioned, there's an ongoing client paying the ongoing service fee.","start":2741.245,"end":2745.105,"sentiment":"neutral","sentiment_score":0.0728886196246514},{"text":"We're monitoring, looking after your super, but you're also entitled to other services, other advice, and I'll do catch ups with you and see how things going.","start":2745.165,"end":2752.25,"sentiment":"neutral","sentiment_score":0.1799212189184295}],"sentiment":"neutral","sentiment_score":0.0757740621144573,"num_words":108,"start":2725.07,"end":2752.25},{"sentences":[{"text":"And you'll have my email as well, so you're more than welcome to email me or let me know when you need anything additional, and I'll make time to sort of make sure I'm there to help and support you moving forward as well.","start":2752.63,"end":2763.175,"sentiment":"neutral","sentiment_score":0.2982685227285732},{"text":"Okay?","start":2763.235,"end":2763.735,"sentiment":"neutral","sentiment_score":0.18996378779411316},{"text":"All good.","start":2765.7952,"end":2766.195,"sentiment":"positive","sentiment_score":0.7380508482456207},{"text":"Did you have any questions?","start":2766.195,"end":2767.395,"sentiment":"neutral","sentiment_score":0.2570990175008774},{"text":"I know I asked you everything under the sun.","start":2767.395,"end":2769.395,"sentiment":"neutral","sentiment_score":0.15005740688906777}],"sentiment":"neutral","sentiment_score":0.28567036448932087,"num_words":61,"start":2752.63,"end":2769.395},{"sentences":[{"text":"Did you have any other questions or anything else you wanted me to touch on for the moment at all?","start":2769.715,"end":2774.5352,"sentiment":"neutral","sentiment_score":0.09686683863401413},{"text":"Yes.","start":2779.39,"end":2779.79,"sentiment":"neutral","sentiment_score":0.12548542022705078},{"text":"Absolutely.","start":2779.79,"end":2780.29,"sentiment":"neutral","sentiment_score":0.22100812196731567},{"text":"Beautiful.","start":2782.43,"end":2782.93,"sentiment":"positive","sentiment_score":0.530921459197998},{"text":"Beautiful.","start":2785.71,"end":2786.21,"sentiment":"neutral","sentiment_score":0.03615869581699371}],"sentiment":"neutral","sentiment_score":0.1187879362454017,"num_words":24,"start":2769.715,"end":2786.21},{"sentences":[{"text":"Absolutely.","start":2788.685,"end":2789.185,"sentiment":"neutral","sentiment_score":0.014570290222764015},{"text":"Absolutely.","start":2796.7651,"end":2797.2651,"sentiment":"positive","sentiment_score":0.34441375732421875},{"text":"Not a problem at all.","start":2797.645,"end":2798.605,"sentiment":"positive","sentiment_score":0.3426655769348145},{"text":"Well, I'll get that email out to you there with PDF documents.","start":2798.605,"end":2801.8,"sentiment":"neutral","sentiment_score":0.2697289288043976},{"text":"There's a couple of things around the SMA for you, and also the details for the solicitor, and I'll get you any review documents popped together and sent out in a separate email for you to review, have a look at, and just assign a return back for me when you are ready to as well.","start":2801.8,"end":2815.0798,"sentiment":"neutral","sentiment_score":0.22488437247063434}],"sentiment":"neutral","sentiment_score":0.23870111914972464,"num_words":75,"start":2788.685,"end":2815.0798},{"sentences":[{"text":"Okay?","start":2815.0798,"end":2815.5798,"sentiment":"neutral","sentiment_score":0.17954525351524353},{"text":"Thank you so much for your time, Andrew.","start":2817.695,"end":2819.2952,"sentiment":"positive","sentiment_score":0.8313642144203186},{"text":"I really appreciate it.","start":2819.2952,"end":2820.2551,"sentiment":"positive","sentiment_score":0.8675524741411209},{"text":"I hope you have a lovely afternoon.","start":2820.2551,"end":2821.875,"sentiment":"positive","sentiment_score":0.7987275208745684},{"text":"No worries.","start":2825.4211,"end":2826.061,"sentiment":"neutral","sentiment_score":0.15770281106233597}],"sentiment":"positive","sentiment_score":0.7366894151676785,"num_words":22,"start":2815.0798,"end":2826.061},{"sentences":[{"text":"Talk soon.","start":2826.061,"end":2826.541,"sentiment":"neutral","sentiment_score":0.1792888045310974},{"text":"See you later.","start":2826.541,"end":2827.361,"sentiment":"neutral","sentiment_score":0.2966999312241872},{"text":"Bye.","start":2828.781,"end":2829.281,"sentiment":"neutral","sentiment_score":-0.08448852598667145}],"sentiment":"neutral","sentiment_score":0.19403147945801416,"num_words":6,"start":2826.061,"end":2829.281}]}}]},{"alternatives":[{"transcript":"Hello. Andrew speaking. Yeah. Good day, Sam. How about yourself? Yeah. That's fine. No dramas. Yeah. That's fine. Yep. Andrew John Smith, excuse me, 07/1997. And my new address is Number 34 Croelgate Court, Merrimack, Q L D 4226. Yeah. Yeah. Just moved in late late last year. Just purchased the place. So, yeah, things worked out pretty well, which is nice. So it was a bit of a bit of a bit of a rough buy, but it was I come into the market, so I'm pretty happy with that, which is good. Yeah. Yeah. It's pretty crazy. Hey. I feel really sorry for for my friends. Actually, they were looking at the same time, and then they didn't get in or anything that they like. And now it's, you know, six months later, and I think they've already had to accept spending another under $200 or something on top of what they were originally looking at. So, yeah, it's frustrating. But, anyway. Yeah. I think my my main curiosity for today, obviously, you guys are are mostly managing my super for me. I think I was more just curious in regards of, like, performance to date. I I can't recall how long it's been now. I feel like it's probably at least been you have to correct me maybe. I I know it's been over six months. I don't know if it's been ever been with you guys for twelve months now. I'm not too sure. But yep. Yep. Cool. Yeah. Cool. Okay. Yeah. Sure. Yep. Yep. Okay. Thanks for that. Appreciate that. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Yeah. Okay. Which which one was that? Sorry. Did you say securities Australian securities or something? Which one was that? Okay. Yep. Gotcha. Yeah. Cool. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yeah. Yeah. Definitely. No. That'll make sense. No issue there. I think I think I'm more curious on a on a broader level in terms of, like, the the process you guys go through for the individual picks and and when that gets changed. Like, I know that you've you've technically asked me today to move something, and I'm cool with that. Is is I imagine you guys would have internal meetings and and in internal actions that you would take anyway because I've I have seen some emails come through from the animation company, Hub twenty four, I think, when some changes have been made and some things bought and some of that footage So I don't I I don't essentially need to be too involved in that sense in in calls. Like, I I just understand that you guys have regular meetings, I presume, every maybe, like, month or or so or a couple of weeks to to reassess positions and as a whole. Is that is that is that fair to say? Or Yep. Yep. Yeah. Right. Yep. Yeah. Okay. No. I appreciate that. That's lots of lots of take on board. I obviously haven't heard of that before. So I I would say I think just from my perspective, it's just performance at the end of the day. So and, again, I know it's long term performance. I'm not looking for anything snappy. So if you think that's a good option, then by all means, I'm happy to explore that. With that, just just to dumb it down a bit for myself, when you say what what does SMA SMA stand for? Sorry. What was that acronym? Okay. And does that mean that you would pass over the the management decisions in some sense to another company, or is it just is this, like, is this an actual investment option? Like, it's just, like, investing in, like, a company in a sense? Or Yep. Yep. Okay. Yep. Yep. Yep. Yeah. Right. Yeah. Okay. Now a little bit more. Absolutely. Yeah. Definitely. Is there it sounds like this might be a bit of a new company venture on that front. Is that correct? Is this the first year that's been rolling? Yeah. Cool. Yep. Yep. Yep. Yeah. Perfect. No. That's definitely something I'd be curious to see. Whatever information you have or even if you have any I'm not sure what you would call them, like, brochures in the sense of of this new partnership, then, yeah, I'm more than happy to have a look at it. That'd be good. Yeah. It's it's what what just roughly, what what percentage again, it's gonna be case by case, you're gonna have to have a look at my actual portfolio. But would it be a certain percentage, or would it be maybe you'd look at the underperforming ones in my current portfolio, say they make up about 10% or 20% of the total investments? Would you then would you consider just taking those out and putting that 10% or 20% towards it or are you looking for more or less or what how that sort of gets split up? Okay. Just to be clear with the BlackRock one. Is that right? Sorry. Yeah. Right. Okay. Right. Yep. Okay. Yeah. Definitely. That would be good to say. Thank you. Yep. Okay. Yep. Yep. Yep. Yeah. Perfect. Please do. That'd be good to see. Is that is that what's the rough turnaround on on all your workings, like, a week or two or how long? Okay. Yep. Yeah. No. That's fine. That's fine. That's no dramas. Obviously, it's a long term thing. I appreciate that. I know it's crazy at the moment. So yeah. No. That's fine. Yeah. Yep. Cool. No. That sounds good. I think I did just wanna ask as well, just maybe even just like a as a general comment from yourself or or from your team. Yeah. What sort of markets and or even specific companies or so on you're sort of looking at or industries you're sort of looking at into the future? What were do you have do you have my portfolio there and what markets I'm in mostly at the moment or or could you comment on that? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Definitely. No. That's fine. I was just more curious on from a broader scale on where it's sort of situated and what you guys are thinking about. Yeah. No. I'm I'm not I'm not too much in in the in the field of trying to stipulate or tell you I wanna be in this or that. I'm happy as you know, obviously, you have your a company wide direction on on one of the best picks are. So I'm happy that that's if that's reviewed and that's what's been put forward to my portfolio, then I'm happy to just ride that wave. So no concern there. Yeah. No. That's fine. No. No. No main problem. I know it's been a bit of a bit of a funny thinking, and there's also a a bit of a unique service. You know, it's not a service you can give much of feedback on in in, you know, six or twelve months. So no. That's fine. Yeah. I'm definitely keen to look at the the the new advice and the reposition and also the other the other service as well when you got some time. And, yeah, we can go from there. No. Not really. I think I think only just recently in the past couple of months signed into it and got set up so I can actually access it and see it. I didn't really see too much information on there. Like, obviously, I do have, I think, a breakdown on on the companies and the positions. I didn't I didn't really see much in the way of charts or or or detailed information. I don't know if maybe I'm looking on the wrong page, but, yeah, I did get onto that one and have a good look the the other week. Yep. Yeah. For sure. No dramas. Is that is that report just taken from Hub twenty four that I'd be able to get access to myself? Or Oh, okay. Yeah. Sure. No. I won't trouble you that much, but by all means, it's good to know that I can reach out to you and go from there. I think I think because I I I can't recall. I think I might have switched people, but but would you be my designated account manager in a sense at the moment and moving forward indefinitely? Is that fair to say? Yeah. Cool. That's fine. Yeah. That's all good. Yep. Yep. Yeah. For sure. No dramas. I think the only other thing I was gonna ask today, which is, Anurag, because I know you guys are providing essentially, I signed up for super management. That was the main point of call, which I'm happy with. But, obviously, you guys are a pretty large financial service company. Am am I fine too? And it's obviously included in the service of managing my super that you guys issue advice for other areas of my life in terms of, like, personal investments or or or debts or anything like that? Is that fair to say? Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Perfect. Awesome. No no dramas at the moment. I think it's more just curiosity in that sense. But, yeah, no. My situation is fine, so no issues at the moment. Okay. Awesome. Yeah. No. That all sounds pretty good. No. Same position. Yep. I don't think in the past ten months. I think it's still is it still $1.20 gross salary? Is that correct? Yep. That's alright. Yep. Cool. Sweet. Yep. Yep. Perfect. Yep. Yeah. Well, okay. Yeah. Right. Yep. Yep. Perfect. Awesome. Yes. Yep. Yep. Perfect. Yep. Awesome. Yeah. No. It sounds good. No. I'd say probably not. I think I've already I've already had I think I've already had three rises in the past three years, and I think the position at the moment is as, like, the top of the department. So I don't I don't really see much in in the way of that. Maybe if it was a a role change, but I don't wanna leave the company for the rest of the year. So I think everything's pretty fine as it is at the moment. It's a bit of a funny one. I think hard to say. Hey. I think maybe 20 flat is in savings. Yeah. But I think I've I think it's because I've put down the the deposit for the house and then overpaid the mortgage. So I think there's there are some funds there in to redraw if needed, but, yeah, technically, 20 at the moment. It's still unfortunately in the garage. I've just I've just serviced it last weekend, and I'm gonna I'm gonna clean it so I figured it out for sale maybe this weekend. So I think maybe 15 is is pretty fair for it. Yeah. Correct. So I've got home and contents. It's I think I bumped up the the total I think I bumped up the total amount of I'm not too sure what the figure would be. If she's sort of asking for a rough contents value on the house, but I'd say maybe and brand like, brand new value, maybe 30. It's it's kind of hard to say. Like, there's a lot of tools and secondhand things I've purchased in electronics, which aren't yeah. Which I haven't bought a full valuable and secondhand and that sort of thing. So it'd be hard to comment on. But, yeah, maybe 30 30 new. Yeah. I just hate it too because I know that I was like I've spent so much time shopping on marketplace and getting deals and all that sort of thing. I've got secondhand everything, secondhand TV. But I think if I had to make a claim, they would they would view it as like, oh, well, the TV's worth $2, not $500. So that the $2 comes off the 30 k. So I was a bit worried about capping it out even though nothing's really worth. They're they're brand new rates, but, yeah, maybe just 30 is a safe number. No. That's fine. It's just a car, bike, cash. I mean, the money in the mortgage is just, like, written off in my head anyway, and then home assets. I think that's pretty much everything. I don't have any other investment accounts. I think everything else has been sort of pulled and will be pulled to my debt for the house. Yeah. Which is something, I think, which is something that I might touch on with you down the road in terms of the the the benefits of paying that off for instead of, you know, putting it towards personal investments. But that's a that's a later chat, but I think that that covers everything. Yep. Awesome. Cool. Definitely dropped quite a bit. Maybe just go it'd be more than 15. I wanna say between 20. Maybe just go 17, I think, or 18. Like, the purchase price or, like, the the theproperty.com, like, average, like, expected sale price now? Oh, maybe 900. 5 I wanna say $5.60. Yep. No. I haven't actually. That is that is good to know. I think I remembered going through that debacle with you guys last year. I think I I I think when the my super happened to that. I think when you got me to sign up with the new super company oh, sorry. Not the new super company. The the health insurance company I resigned for its standard will on the pass over of all that, but I haven't actually done a a personal one with a lawyer or anything like that. Yeah. It's definitely something I'm looking at or considering at least. I don't know if you guys might recommend someone to go through for that. Or yep. Yep. Yep. Yep. Yep. Yeah. Yes, please. That sounds good. Yeah. Yeah. Happy happy there. I think it's I don't think I've actually circulated anyone, so it's just gonna be whatever the state designates. I believe that's probably gonna go to a family member, I presume. No. No change at all. No. Happy to stay there. I know things are pretty crazy at the moment, but it's obviously time is the the the best factor. And, also, you have some opportunities there too. So, yeah, happy to stay in that. Yep. Yep. No. That's fine. I'd probably say just every six months at this stage is fine. Yeah. I think that's fine. Yep. Yep. Yep. Yep. Perfect. Thank you. No. That's fine. I think I think the trust is there. I was more just curious in a general sense what where it's at and and what the plans were. So, yeah, happy to see those recommendations and go from there. But apart from that, I'd probably only just reach out for curiosity or if I wanna pick your brain on on a particular, like, personal piece of advice. But apart from that, all good for now? Yep. Perfect. Sounds good. Will do. Yep. No. Will do. Thanks again for your time, and we'll chat soon. Thanks, Dana. 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Andrew speaking. Yeah. Good day, Sam. How about yourself?\n\nYeah. That's fine. No dramas. Yeah. That's fine.\n\nYep. Andrew John Smith, excuse me, 07/1997. And my new address is Number 34 Croelgate Court, Merrimack, Q L D 4226. Yeah. Yeah.\n\nJust moved in late late last year. Just purchased the place. So, yeah, things worked out pretty well, which is nice. So it was a bit of a bit of a bit of a rough buy, but it was I come into the market, so I'm pretty happy with that, which is good. Yeah.\n\nYeah. It's pretty crazy. Hey. I feel really sorry for for my friends. Actually, they were looking at the same time, and then they didn't get in or anything that they like.\n\nAnd now it's, you know, six months later, and I think they've already had to accept spending another under $200 or something on top of what they were originally looking at. So, yeah, it's frustrating. But, anyway. Yeah. I think my my main curiosity for today, obviously, you guys are are mostly managing my super for me.\n\nI think I was more just curious in regards of, like, performance to date. I I can't recall how long it's been now. I feel like it's probably at least been you have to correct me maybe. I I know it's been over six months. I don't know if it's been ever been with you guys for twelve months now.\n\nI'm not too sure. But yep. Yep. Cool. Yeah.\n\nCool. Okay. Yeah. Sure. Yep.\n\nYep. Okay. Thanks for that. Appreciate that. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Okay. Yep. Yep. Yeah.\n\nOkay. Which which one was that? Sorry. Did you say securities Australian securities or something? Which one was that?\n\nOkay. Yep. Gotcha. Yeah. Cool.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nDefinitely. No. That'll make sense. No issue there. I think I think I'm more curious on a on a broader level in terms of, like, the the process you guys go through for the individual picks and and when that gets changed.\n\nLike, I know that you've you've technically asked me today to move something, and I'm cool with that. Is is I imagine you guys would have internal meetings and and in internal actions that you would take anyway because I've I have seen some emails come through from the animation company, Hub twenty four, I think, when some changes have been made and some things bought and some of that footage So I don't I I don't essentially need to be too involved in that sense in in calls. Like, I I just understand that you guys have regular meetings, I presume, every maybe, like, month or or so or a couple of weeks to to reassess positions and as a whole. Is that is that is that fair to say? Or Yep.\n\nYep. Yeah. Right. Yep. Yeah.\n\nOkay. No. I appreciate that. That's lots of lots of take on board. I obviously haven't heard of that before.\n\nSo I I would say I think just from my perspective, it's just performance at the end of the day. So and, again, I know it's long term performance. I'm not looking for anything snappy. So if you think that's a good option, then by all means, I'm happy to explore that. With that, just just to dumb it down a bit for myself, when you say what what does SMA SMA stand for?\n\nSorry. What was that acronym? Okay. And does that mean that you would pass over the the management decisions in some sense to another company, or is it just is this, like, is this an actual investment option? Like, it's just, like, investing in, like, a company in a sense?\n\nOr Yep. Yep. Okay. Yep. Yep.\n\nYep. Yeah. Right. Yeah. Okay.\n\nNow a little bit more. Absolutely. Yeah. Definitely. Is there it sounds like this might be a bit of a new company venture on that front.\n\nIs that correct? Is this the first year that's been rolling? Yeah. Cool. Yep.\n\nYep. Yep. Yeah. Perfect. No.\n\nThat's definitely something I'd be curious to see. Whatever information you have or even if you have any I'm not sure what you would call them, like, brochures in the sense of of this new partnership, then, yeah, I'm more than happy to have a look at it. That'd be good. Yeah. It's it's what what just roughly, what what percentage again, it's gonna be case by case, you're gonna have to have a look at my actual portfolio.\n\nBut would it be a certain percentage, or would it be maybe you'd look at the underperforming ones in my current portfolio, say they make up about 10% or 20% of the total investments? Would you then would you consider just taking those out and putting that 10% or 20% towards it or are you looking for more or less or what how that sort of gets split up? Okay. Just to be clear with the BlackRock one. Is that right?\n\nSorry. Yeah. Right. Okay. Right.\n\nYep. Okay. Yeah. Definitely. That would be good to say.\n\nThank you. Yep. Okay. Yep. Yep.\n\nYep. Yeah. Perfect. Please do. That'd be good to see.\n\nIs that is that what's the rough turnaround on on all your workings, like, a week or two or how long? Okay. Yep. Yeah. No.\n\nThat's fine. That's fine. That's no dramas. Obviously, it's a long term thing. I appreciate that.\n\nI know it's crazy at the moment. So yeah. No. That's fine. Yeah.\n\nYep. Cool. No. That sounds good. I think I did just wanna ask as well, just maybe even just like a as a general comment from yourself or or from your team.\n\nYeah. What sort of markets and or even specific companies or so on you're sort of looking at or industries you're sort of looking at into the future? What were do you have do you have my portfolio there and what markets I'm in mostly at the moment or or could you comment on that? Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Definitely.\n\nNo. That's fine. I was just more curious on from a broader scale on where it's sort of situated and what you guys are thinking about. Yeah. No.\n\nI'm I'm not I'm not too much in in the in the field of trying to stipulate or tell you I wanna be in this or that. I'm happy as you know, obviously, you have your a company wide direction on on one of the best picks are. So I'm happy that that's if that's reviewed and that's what's been put forward to my portfolio, then I'm happy to just ride that wave. So no concern there. Yeah.\n\nNo. That's fine. No. No. No main problem.\n\nI know it's been a bit of a bit of a funny thinking, and there's also a a bit of a unique service. You know, it's not a service you can give much of feedback on in in, you know, six or twelve months. So no. That's fine. Yeah.\n\nI'm definitely keen to look at the the the new advice and the reposition and also the other the other service as well when you got some time. And, yeah, we can go from there. No. Not really. I think I think only just recently in the past couple of months signed into it and got set up so I can actually access it and see it.\n\nI didn't really see too much information on there. Like, obviously, I do have, I think, a breakdown on on the companies and the positions. I didn't I didn't really see much in the way of charts or or or detailed information. I don't know if maybe I'm looking on the wrong page, but, yeah, I did get onto that one and have a good look the the other week. Yep.\n\nYeah. For sure. No dramas. Is that is that report just taken from Hub twenty four that I'd be able to get access to myself? Or Oh, okay.\n\nYeah. Sure. No. I won't trouble you that much, but by all means, it's good to know that I can reach out to you and go from there. I think I think because I I I can't recall.\n\nI think I might have switched people, but but would you be my designated account manager in a sense at the moment and moving forward indefinitely? Is that fair to say? Yeah. Cool. That's fine.\n\nYeah. That's all good. Yep. Yep. Yeah.\n\nFor sure. No dramas. I think the only other thing I was gonna ask today, which is, Anurag, because I know you guys are providing essentially, I signed up for super management. That was the main point of call, which I'm happy with. But, obviously, you guys are a pretty large financial service company.\n\nAm am I fine too? And it's obviously included in the service of managing my super that you guys issue advice for other areas of my life in terms of, like, personal investments or or or debts or anything like that? Is that fair to say? Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nPerfect. Awesome. No no dramas at the moment. I think it's more just curiosity in that sense. But, yeah, no.\n\nMy situation is fine, so no issues at the moment. Okay. Awesome. Yeah. No.\n\nThat all sounds pretty good. No. Same position. Yep. I don't think in the past ten months.\n\nI think it's still is it still $1.20 gross salary? Is that correct? Yep. That's alright. Yep.\n\nCool. Sweet. Yep. Yep. Perfect.\n\nYep. Yeah. Well, okay. Yeah. Right.\n\nYep. Yep. Perfect. Awesome. Yes.\n\nYep. Yep. Perfect. Yep. Awesome.\n\nYeah. No. It sounds good. No. I'd say probably not.\n\nI think I've already I've already had I think I've already had three rises in the past three years, and I think the position at the moment is as, like, the top of the department. So I don't I don't really see much in in the way of that. Maybe if it was a a role change, but I don't wanna leave the company for the rest of the year. So I think everything's pretty fine as it is at the moment. It's a bit of a funny one.\n\nI think hard to say. Hey. I think maybe 20 flat is in savings. Yeah. But I think I've I think it's because I've put down the the deposit for the house and then overpaid the mortgage.\n\nSo I think there's there are some funds there in to redraw if needed, but, yeah, technically, 20 at the moment. It's still unfortunately in the garage. I've just I've just serviced it last weekend, and I'm gonna I'm gonna clean it so I figured it out for sale maybe this weekend. So I think maybe 15 is is pretty fair for it. Yeah.\n\nCorrect. So I've got home and contents. It's I think I bumped up the the total I think I bumped up the total amount of I'm not too sure what the figure would be. If she's sort of asking for a rough contents value on the house, but I'd say maybe and brand like, brand new value, maybe 30. It's it's kind of hard to say.\n\nLike, there's a lot of tools and secondhand things I've purchased in electronics, which aren't yeah. Which I haven't bought a full valuable and secondhand and that sort of thing. So it'd be hard to comment on. But, yeah, maybe 30 30 new. Yeah.\n\nI just hate it too because I know that I was like I've spent so much time shopping on marketplace and getting deals and all that sort of thing. I've got secondhand everything, secondhand TV. But I think if I had to make a claim, they would they would view it as like, oh, well, the TV's worth $2, not $500. So that the $2 comes off the 30 k. So I was a bit worried about capping it out even though nothing's really worth.\n\nThey're they're brand new rates, but, yeah, maybe just 30 is a safe number. No. That's fine. It's just a car, bike, cash. I mean, the money in the mortgage is just, like, written off in my head anyway, and then home assets.\n\nI think that's pretty much everything. I don't have any other investment accounts. I think everything else has been sort of pulled and will be pulled to my debt for the house. Yeah. Which is something, I think, which is something that I might touch on with you down the road in terms of the the the benefits of paying that off for instead of, you know, putting it towards personal investments.\n\nBut that's a that's a later chat, but I think that that covers everything. Yep. Awesome. Cool. Definitely dropped quite a bit.\n\nMaybe just go it'd be more than 15. I wanna say between 20. Maybe just go 17, I think, or 18. Like, the purchase price or, like, the the theproperty.com, like, average, like, expected sale price now? Oh, maybe 900.\n\n5 I wanna say $5.60. Yep. No. I haven't actually. That is that is good to know.\n\nI think I remembered going through that debacle with you guys last year. I think I I I think when the my super happened to that. I think when you got me to sign up with the new super company oh, sorry. Not the new super company. The the health insurance company I resigned for its standard will on the pass over of all that, but I haven't actually done a a personal one with a lawyer or anything like that.\n\nYeah. It's definitely something I'm looking at or considering at least. I don't know if you guys might recommend someone to go through for that. Or yep. Yep.\n\nYep. Yep. Yep. Yeah. Yes, please.\n\nThat sounds good. Yeah. Yeah. Happy happy there. I think it's I don't think I've actually circulated anyone, so it's just gonna be whatever the state designates.\n\nI believe that's probably gonna go to a family member, I presume. No. No change at all. No. Happy to stay there.\n\nI know things are pretty crazy at the moment, but it's obviously time is the the the best factor. And, also, you have some opportunities there too. So, yeah, happy to stay in that. Yep. Yep.\n\nNo. That's fine. I'd probably say just every six months at this stage is fine. Yeah. I think that's fine.\n\nYep. Yep. Yep. Yep. Perfect.\n\nThank you. No. That's fine. I think I think the trust is there. I was more just curious in a general sense what where it's at and and what the plans were.\n\nSo, yeah, happy to see those recommendations and go from there. But apart from that, I'd probably only just reach out for curiosity or if I wanna pick your brain on on a particular, like, personal piece of advice. But apart from that, all good for now? Yep. Perfect.\n\nSounds good. Will do. Yep. No. Will do.\n\nThanks again for your time, and we'll chat soon. Thanks, Dana. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.08,"sentiment":"neutral","sentiment_score":0.018686294555664062},{"text":"Andrew speaking.","start":2.08,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.0195412440225482},{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.14618030190467834},{"text":"Good day, Sam.","start":7.04,"end":7.68,"sentiment":"positive","sentiment_score":0.35065437356630963},{"text":"How about yourself?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.32206304868062335}],"sentiment":"neutral","sentiment_score":0.2222101351246238,"num_words":10,"start":1.76,"end":8.5},{"sentences":[{"text":"Yeah.","start":15.525001,"end":15.845,"sentiment":"neutral","sentiment_score":0.08570779860019684},{"text":"That's fine.","start":15.845,"end":16.325,"sentiment":"neutral","sentiment_score":0.11885789036750793},{"text":"No dramas.","start":16.325,"end":17.065,"sentiment":"neutral","sentiment_score":0.04799841344356537},{"text":"Yeah.","start":25.78,"end":25.98,"sentiment":"neutral","sentiment_score":0.09062833338975906},{"text":"That's fine.","start":25.98,"end":26.68,"sentiment":"neutral","sentiment_score":0.1798323392868042}],"sentiment":"neutral","sentiment_score":0.10871417727321386,"num_words":8,"start":15.525001,"end":26.68},{"sentences":[{"text":"Yep.","start":35.3,"end":35.8,"sentiment":"neutral","sentiment_score":0.03212680667638779},{"text":"Andrew John Smith, excuse me, 07/1997.","start":36.02,"end":40.52,"sentiment":"neutral","sentiment_score":0.02720423135906458},{"text":"And my new address is Number 34 Croelgate Court, Merrimack, Q L D 4226.","start":40.845,"end":46.785,"sentiment":"neutral","sentiment_score":0.04815056308039597},{"text":"Yeah.","start":55.645,"end":55.885,"sentiment":"neutral","sentiment_score":0.05177620053291321},{"text":"Yeah.","start":55.885,"end":56.045,"sentiment":"neutral","sentiment_score":0.05187859386205673}],"sentiment":"neutral","sentiment_score":0.04230934227614299,"num_words":23,"start":35.3,"end":56.045},{"sentences":[{"text":"Just moved in late late last year.","start":56.045,"end":58.23,"sentiment":"neutral","sentiment_score":0.07124428025313786},{"text":"Just purchased the place.","start":58.23,"end":59.27,"sentiment":"neutral","sentiment_score":0.10541195794939995},{"text":"So, yeah, things worked out pretty well, which is nice.","start":59.27,"end":62.15,"sentiment":"neutral","sentiment_score":0.24943855479359628},{"text":"So it was a bit of a bit of a bit of a rough buy, but it was I come into the market, so I'm pretty happy with that, which is good.","start":62.15,"end":68.97,"sentiment":"neutral","sentiment_score":0.07843427872285247},{"text":"Yeah.","start":80.705,"end":81.025,"sentiment":"neutral","sentiment_score":-0.12460066378116608}],"sentiment":"neutral","sentiment_score":0.10740814068251187,"num_words":54,"start":56.045,"end":81.025},{"sentences":[{"text":"Yeah.","start":81.025,"end":81.265,"sentiment":"neutral","sentiment_score":-0.14315709471702576},{"text":"It's pretty crazy.","start":81.265,"end":82.065,"sentiment":"neutral","sentiment_score":-0.1720965007940928},{"text":"Hey.","start":82.065,"end":82.225,"sentiment":"neutral","sentiment_score":-0.1514188051223755},{"text":"I feel really sorry for for my friends.","start":82.225,"end":84.42,"sentiment":"neutral","sentiment_score":-0.28671035543084145},{"text":"Actually, they were looking at the same time, and then they didn't get in or anything that they like.","start":84.42,"end":90.1,"sentiment":"neutral","sentiment_score":-0.2098625200359445}],"sentiment":"neutral","sentiment_score":-0.2216230039484799,"num_words":32,"start":81.025,"end":90.1},{"sentences":[{"text":"And now it's, you know, six months later, and I think they've already had to accept spending another under $200 or something on top of what they were originally looking at.","start":90.1,"end":100.065,"sentiment":"neutral","sentiment_score":-0.18696335270520179},{"text":"So, yeah, it's frustrating.","start":100.065,"end":102.785,"sentiment":"neutral","sentiment_score":-0.19220866821706295},{"text":"But, anyway.","start":102.785,"end":103.525,"sentiment":"neutral","sentiment_score":-0.14207827672362328},{"text":"Yeah.","start":116.340004,"end":116.840004,"sentiment":"neutral","sentiment_score":0.019854100421071053},{"text":"I think my my main curiosity for today, obviously, you guys are are mostly managing my super for me.","start":116.98,"end":125.32,"sentiment":"neutral","sentiment_score":0.024060377949162534}],"sentiment":"neutral","sentiment_score":-0.11178691015301044,"num_words":57,"start":90.1,"end":125.32},{"sentences":[{"text":"I think I was more just curious in regards of, like, performance to date.","start":126.100006,"end":132.895,"sentiment":"neutral","sentiment_score":0.04005380826336997},{"text":"I I can't recall how long it's been now.","start":132.895,"end":134.735,"sentiment":"neutral","sentiment_score":-0.0670251448949178},{"text":"I feel like it's probably at least been you have to correct me maybe.","start":134.735,"end":139.775,"sentiment":"neutral","sentiment_score":-0.1550185408975397},{"text":"I I know it's been over six months.","start":139.775,"end":140.975,"sentiment":"neutral","sentiment_score":-0.09953351505100727},{"text":"I don't know if it's been ever been with you guys for twelve months now.","start":140.975,"end":143.08,"sentiment":"neutral","sentiment_score":-0.08321983143687248}],"sentiment":"neutral","sentiment_score":-0.07095496921489636,"num_words":60,"start":126.100006,"end":143.08},{"sentences":[{"text":"I'm not too sure.","start":143.08,"end":143.64,"sentiment":"neutral","sentiment_score":-0.10545620881021023},{"text":"But yep.","start":143.64,"end":150.38,"sentiment":"neutral","sentiment_score":0.06105585396289827},{"text":"Yep.","start":159.145,"end":159.54501,"sentiment":"neutral","sentiment_score":0.07737359404563904},{"text":"Cool.","start":159.54501,"end":160.04501,"sentiment":"neutral","sentiment_score":0.18161648511886597},{"text":"Yeah.","start":166.90501,"end":167.30501,"sentiment":"neutral","sentiment_score":0.06606350094079971}],"sentiment":"neutral","sentiment_score":0.0028156058655844796,"num_words":9,"start":143.08,"end":167.30501},{"sentences":[{"text":"Cool.","start":167.30501,"end":167.80501,"sentiment":"neutral","sentiment_score":0.08717164397239685},{"text":"Okay.","start":172.73001,"end":172.97,"sentiment":"neutral","sentiment_score":-0.05990736186504364},{"text":"Yeah.","start":172.97,"end":173.29001,"sentiment":"neutral","sentiment_score":0.005593106150627136},{"text":"Sure.","start":173.29001,"end":173.79001,"sentiment":"neutral","sentiment_score":0.05366664007306099},{"text":"Yep.","start":187.38501,"end":187.88501,"sentiment":"neutral","sentiment_score":-0.05186472460627556}],"sentiment":"neutral","sentiment_score":0.006931860744953155,"num_words":5,"start":167.30501,"end":187.88501},{"sentences":[{"text":"Yep.","start":191.46501,"end":191.88,"sentiment":"neutral","sentiment_score":-0.05002373456954956},{"text":"Okay.","start":198.20001,"end":198.70001,"sentiment":"neutral","sentiment_score":-0.2647036910057068},{"text":"Thanks for that.","start":220.58,"end":221.14,"sentiment":"positive","sentiment_score":0.6283279458681742},{"text":"Appreciate that.","start":221.14,"end":222.12,"sentiment":"positive","sentiment_score":0.5276031643152237},{"text":"Yep.","start":229.45999,"end":229.95999,"sentiment":"neutral","sentiment_score":0.001111795543693006}],"sentiment":"neutral","sentiment_score":0.32832181702542584,"num_words":8,"start":191.46501,"end":229.95999},{"sentences":[{"text":"Yep.","start":234.475,"end":234.975,"sentiment":"neutral","sentiment_score":-0.08149423450231552},{"text":"Yep.","start":264.105,"end":264.605,"sentiment":"neutral","sentiment_score":-0.07780923694372177},{"text":"Yep.","start":274.31,"end":274.81,"sentiment":"neutral","sentiment_score":-0.05492052063345909},{"text":"Okay.","start":282.15,"end":282.65,"sentiment":"neutral","sentiment_score":0.0020778868347406387},{"text":"Yep.","start":286.535,"end":287.035,"sentiment":"neutral","sentiment_score":0.015734367072582245}],"sentiment":"neutral","sentiment_score":-0.0392823476344347,"num_words":5,"start":234.475,"end":287.035},{"sentences":[{"text":"Yep.","start":302.8,"end":303.3,"sentiment":"neutral","sentiment_score":-0.05435379594564438},{"text":"Okay.","start":312.56,"end":313.06,"sentiment":"neutral","sentiment_score":-0.07599508762359619},{"text":"Yep.","start":317.385,"end":317.885,"sentiment":"neutral","sentiment_score":0.1838895082473755},{"text":"Yep.","start":329.31998,"end":329.81998,"sentiment":"neutral","sentiment_score":0.06182677671313286},{"text":"Yeah.","start":341.095,"end":341.335,"sentiment":"neutral","sentiment_score":-0.07495886087417603}],"sentiment":"neutral","sentiment_score":0.00808170810341835,"num_words":5,"start":302.8,"end":341.335},{"sentences":[{"text":"Okay.","start":341.335,"end":341.575,"sentiment":"neutral","sentiment_score":-0.06458000093698502},{"text":"Which which one was that?","start":341.575,"end":342.535,"sentiment":"neutral","sentiment_score":-0.06484323367476463},{"text":"Sorry.","start":342.535,"end":342.855,"sentiment":"neutral","sentiment_score":-0.09274545311927795},{"text":"Did you say securities Australian securities or something?","start":342.855,"end":345.175,"sentiment":"neutral","sentiment_score":-0.06520326249301434},{"text":"Which one was that?","start":345.175,"end":346.155,"sentiment":"neutral","sentiment_score":-0.06874196790158749}],"sentiment":"neutral","sentiment_score":-0.06727029442002899,"num_words":19,"start":341.335,"end":346.155},{"sentences":[{"text":"Okay.","start":348.615,"end":348.935,"sentiment":"neutral","sentiment_score":-0.0002790670841932297},{"text":"Yep.","start":348.935,"end":349.175,"sentiment":"neutral","sentiment_score":0.021707182750105854},{"text":"Gotcha.","start":349.175,"end":349.47,"sentiment":"neutral","sentiment_score":0.0147747490555048},{"text":"Yeah.","start":364.705,"end":365.025,"sentiment":"neutral","sentiment_score":0.07899932563304901},{"text":"Cool.","start":365.025,"end":365.525,"sentiment":"neutral","sentiment_score":0.1801358461380005}],"sentiment":"neutral","sentiment_score":0.059067607298493384,"num_words":5,"start":348.615,"end":365.525},{"sentences":[{"text":"Yep.","start":385.68997,"end":386.18997,"sentiment":"neutral","sentiment_score":0.2856019139289856},{"text":"Yep.","start":424.61502,"end":425.11502,"sentiment":"positive","sentiment_score":0.4224942624568939},{"text":"Yep.","start":429.89502,"end":430.39502,"sentiment":"positive","sentiment_score":0.3777577877044678},{"text":"Okay.","start":443.43,"end":443.91,"sentiment":"neutral","sentiment_score":0.11200371384620668},{"text":"Yep.","start":443.91,"end":444.285,"sentiment":"neutral","sentiment_score":0.11484821885824203}],"sentiment":"neutral","sentiment_score":0.2625411793589592,"num_words":5,"start":385.68997,"end":444.285},{"sentences":[{"text":"Yep.","start":458.20502,"end":458.70502,"sentiment":"neutral","sentiment_score":0.029944440349936485},{"text":"Yep.","start":468.71002,"end":469.21002,"sentiment":"neutral","sentiment_score":0.050057798624038696},{"text":"Yep.","start":496.49,"end":496.99,"sentiment":"neutral","sentiment_score":0.12156032770872116},{"text":"Yeah.","start":502.475,"end":502.975,"sentiment":"neutral","sentiment_score":0.015963569283485413},{"text":"Yeah.","start":504.075,"end":504.395,"sentiment":"neutral","sentiment_score":0.03824686259031296}],"sentiment":"neutral","sentiment_score":0.051154599711298945,"num_words":5,"start":458.20502,"end":504.395},{"sentences":[{"text":"Definitely.","start":504.395,"end":504.795,"sentiment":"neutral","sentiment_score":0.04154571145772934},{"text":"No.","start":504.795,"end":504.95502,"sentiment":"neutral","sentiment_score":-0.007785534486174584},{"text":"That'll make sense.","start":504.95502,"end":505.675,"sentiment":"neutral","sentiment_score":-0.007365862114359818},{"text":"No issue there.","start":505.675,"end":506.395,"sentiment":"neutral","sentiment_score":-0.012119313701987267},{"text":"I think I think I'm more curious on a on a broader level in terms of, like, the the process you guys go through for the individual picks and and when that gets changed.","start":506.395,"end":519.38,"sentiment":"neutral","sentiment_score":0.03236913971383782}],"sentiment":"neutral","sentiment_score":0.025615604756976176,"num_words":42,"start":504.395,"end":519.38},{"sentences":[{"text":"Like, I know that you've you've technically asked me today to move something, and I'm cool with that.","start":519.38,"end":523.95996,"sentiment":"neutral","sentiment_score":0.2605886852575673},{"text":"Is is I imagine you guys would have internal meetings and and in internal actions that you would take anyway because I've I have seen some emails come through from the animation company, Hub twenty four, I think, when some changes have been made and some things bought and some of that footage So I don't I I don't essentially need to be too involved in that sense in in calls.","start":524.66,"end":550.76996,"sentiment":"neutral","sentiment_score":-0.016880131628311857},{"text":"Like, I I just understand that you guys have regular meetings, I presume, every maybe, like, month or or so or a couple of weeks to to reassess positions and as a whole.","start":550.82996,"end":559.245,"sentiment":"neutral","sentiment_score":-0.0010242893953214991},{"text":"Is that is that is that fair to say?","start":559.245,"end":560.52496,"sentiment":"neutral","sentiment_score":0.02520855205754439},{"text":"Or Yep.","start":560.52496,"end":566.22,"sentiment":"neutral","sentiment_score":0.050233393907547}],"sentiment":"neutral","sentiment_score":0.02846352778431168,"num_words":133,"start":519.38,"end":566.22},{"sentences":[{"text":"Yep.","start":571.1,"end":571.6,"sentiment":"neutral","sentiment_score":0.0793924629688263},{"text":"Yeah.","start":589.495,"end":589.73505,"sentiment":"neutral","sentiment_score":0.028092268854379657},{"text":"Right.","start":589.73505,"end":590.23505,"sentiment":"neutral","sentiment_score":0.056395024061203},{"text":"Yep.","start":633.605,"end":634.105,"sentiment":"neutral","sentiment_score":0.08889248222112656},{"text":"Yeah.","start":680.89,"end":681.20996,"sentiment":"neutral","sentiment_score":0.07311473786830902}],"sentiment":"neutral","sentiment_score":0.06517739519476891,"num_words":5,"start":571.1,"end":681.20996},{"sentences":[{"text":"Okay.","start":681.20996,"end":681.52997,"sentiment":"neutral","sentiment_score":0.06788736581802368},{"text":"No.","start":681.52997,"end":681.61,"sentiment":"neutral","sentiment_score":-0.02103133499622345},{"text":"I appreciate that.","start":681.61,"end":682.17,"sentiment":"neutral","sentiment_score":0.20376304785410562},{"text":"That's lots of lots of take on board.","start":682.17,"end":683.53503,"sentiment":"neutral","sentiment_score":0.2808958999812603},{"text":"I obviously haven't heard of that before.","start":683.53503,"end":685.075,"sentiment":"neutral","sentiment_score":-0.014607398371611322}],"sentiment":"neutral","sentiment_score":0.14015302928164602,"num_words":20,"start":681.20996,"end":685.075},{"sentences":[{"text":"So I I would say I think just from my perspective, it's just performance at the end of the day.","start":685.455,"end":690.575,"sentiment":"neutral","sentiment_score":0.11205413937568665},{"text":"So and, again, I know it's long term performance.","start":690.575,"end":692.41504,"sentiment":"neutral","sentiment_score":0.07698882619539897},{"text":"I'm not looking for anything snappy.","start":692.41504,"end":693.875,"sentiment":"neutral","sentiment_score":-0.2519880384206772},{"text":"So if you think that's a good option, then by all means, I'm happy to explore that.","start":695.45,"end":700.35004,"sentiment":"positive","sentiment_score":0.4639713308390449},{"text":"With that, just just to dumb it down a bit for myself, when you say what what does SMA SMA stand for?","start":701.13,"end":708.76495,"sentiment":"neutral","sentiment_score":0.02726648620922457}],"sentiment":"neutral","sentiment_score":0.13391120694074277,"num_words":74,"start":685.455,"end":708.76495},{"sentences":[{"text":"Sorry.","start":708.76495,"end":709.005,"sentiment":"neutral","sentiment_score":-0.04860750585794449},{"text":"What was that acronym?","start":709.005,"end":709.90497,"sentiment":"neutral","sentiment_score":-0.03228938626125455},{"text":"Okay.","start":712.285,"end":712.685,"sentiment":"neutral","sentiment_score":-0.00187903456389904},{"text":"And does that mean that you would pass over the the management decisions in some sense to another company, or is it just is this, like, is this an actual investment option?","start":712.685,"end":724.45,"sentiment":"neutral","sentiment_score":-0.058123174123466015},{"text":"Like, it's just, like, investing in, like, a company in a sense?","start":724.45,"end":727.73004,"sentiment":"neutral","sentiment_score":-0.024591923070450623}],"sentiment":"neutral","sentiment_score":-0.04669377468526363,"num_words":50,"start":708.76495,"end":727.73004},{"sentences":[{"text":"Or Yep.","start":727.73004,"end":743.365,"sentiment":"neutral","sentiment_score":0.05262861214578152},{"text":"Yep.","start":762.44,"end":762.94,"sentiment":"neutral","sentiment_score":0.1445290893316269},{"text":"Okay.","start":763.72003,"end":764.22003,"sentiment":"neutral","sentiment_score":0.1671070009469986},{"text":"Yep.","start":767.925,"end":768.425,"sentiment":"neutral","sentiment_score":0.20059941709041595},{"text":"Yep.","start":790.91003,"end":791.41003,"sentiment":"neutral","sentiment_score":0.18653738498687744}],"sentiment":"neutral","sentiment_score":0.134005019441247,"num_words":6,"start":727.73004,"end":791.41003},{"sentences":[{"text":"Yep.","start":816.17,"end":816.67,"sentiment":"neutral","sentiment_score":0.1337842345237732},{"text":"Yeah.","start":837.91003,"end":838.15,"sentiment":"neutral","sentiment_score":0.1986195147037506},{"text":"Right.","start":838.15,"end":838.55005,"sentiment":"neutral","sentiment_score":0.18293944001197815},{"text":"Yeah.","start":838.55005,"end":838.87006,"sentiment":"neutral","sentiment_score":0.1173977330327034},{"text":"Okay.","start":838.87006,"end":839.03,"sentiment":"neutral","sentiment_score":0.07448482513427734}],"sentiment":"neutral","sentiment_score":0.14144514948129655,"num_words":5,"start":816.17,"end":839.03},{"sentences":[{"text":"Now a little bit more.","start":839.03,"end":839.75,"sentiment":"neutral","sentiment_score":0.03478296175599098},{"text":"Absolutely.","start":839.75,"end":840.15,"sentiment":"positive","sentiment_score":0.48512017726898193},{"text":"Yeah.","start":840.15,"end":840.39,"sentiment":"neutral","sentiment_score":0.30341997742652893},{"text":"Definitely.","start":840.39,"end":840.79004,"sentiment":"positive","sentiment_score":0.4633888006210327},{"text":"Is there it sounds like this might be a bit of a new company venture on that front.","start":840.79004,"end":844.71,"sentiment":"neutral","sentiment_score":0.12829122775130802}],"sentiment":"neutral","sentiment_score":0.1436571486007709,"num_words":26,"start":839.03,"end":844.71},{"sentences":[{"text":"Is that correct?","start":844.71,"end":845.19,"sentiment":"neutral","sentiment_score":0.08686713129281998},{"text":"Is this the first year that's been rolling?","start":845.19,"end":847.11005,"sentiment":"neutral","sentiment_score":0.08387189684435725},{"text":"Yeah.","start":847.11005,"end":847.27,"sentiment":"neutral","sentiment_score":0.2880059778690338},{"text":"Cool.","start":847.27,"end":847.77,"sentiment":"positive","sentiment_score":0.4929923713207245},{"text":"Yep.","start":855.265,"end":855.765,"sentiment":"neutral","sentiment_score":-0.09005479514598846}],"sentiment":"neutral","sentiment_score":0.11589429447693485,"num_words":14,"start":844.71,"end":855.765},{"sentences":[{"text":"Yep.","start":882.54504,"end":883.04504,"sentiment":"neutral","sentiment_score":0.15198767185211182},{"text":"Yep.","start":886.465,"end":886.965,"sentiment":"neutral","sentiment_score":0.15080706775188446},{"text":"Yeah.","start":891.25,"end":891.65,"sentiment":"neutral","sentiment_score":0.07839631289243698},{"text":"Perfect.","start":891.65,"end":891.97003,"sentiment":"neutral","sentiment_score":0.27110281586647034},{"text":"No.","start":891.97003,"end":892.05,"sentiment":"neutral","sentiment_score":-0.03751446306705475}],"sentiment":"neutral","sentiment_score":0.12295588105916977,"num_words":5,"start":882.54504,"end":892.05},{"sentences":[{"text":"That's definitely something I'd be curious to see.","start":892.05,"end":894.13,"sentiment":"neutral","sentiment_score":-0.01725298212841153},{"text":"Whatever information you have or even if you have any I'm not sure what you would call them, like, brochures in the sense of of this new partnership, then, yeah, I'm more than happy to have a look at it.","start":894.13,"end":904.565,"sentiment":"neutral","sentiment_score":0.1420006369240582},{"text":"That'd be good.","start":904.565,"end":905.465,"sentiment":"positive","sentiment_score":0.3419089416662852},{"text":"Yeah.","start":906.645,"end":906.885,"sentiment":"neutral","sentiment_score":0.03788602352142334},{"text":"It's it's what what just roughly, what what percentage again, it's gonna be case by case, you're gonna have to have a look at my actual portfolio.","start":906.885,"end":913.28503,"sentiment":"neutral","sentiment_score":0.012356982324962263}],"sentiment":"neutral","sentiment_score":0.08783864545859868,"num_words":79,"start":892.05,"end":913.28503},{"sentences":[{"text":"But would it be a certain percentage, or would it be maybe you'd look at the underperforming ones in my current portfolio, say they make up about 10% or 20% of the total investments?","start":913.28503,"end":923.31,"sentiment":"neutral","sentiment_score":-0.049354640766978264},{"text":"Would you then would you consider just taking those out and putting that 10% or 20% towards it or are you looking for more or less or what how that sort of gets split up?","start":923.37,"end":932.925,"sentiment":"neutral","sentiment_score":-0.0691328519157001},{"text":"Okay.","start":939.465,"end":939.965,"sentiment":"neutral","sentiment_score":0.09013979882001875},{"text":"Just to be clear with the BlackRock one.","start":948.23004,"end":950.07,"sentiment":"neutral","sentiment_score":0.04295962955802679},{"text":"Is that right?","start":950.07,"end":950.63,"sentiment":"neutral","sentiment_score":0.05373073369264603}],"sentiment":"neutral","sentiment_score":-0.04324319218227893,"num_words":81,"start":913.28503,"end":950.63},{"sentences":[{"text":"Sorry.","start":950.63,"end":951.13,"sentiment":"neutral","sentiment_score":-0.029965925961732864},{"text":"Yeah.","start":952.63,"end":952.79004,"sentiment":"neutral","sentiment_score":0.19160982966423035},{"text":"Right.","start":952.79004,"end":953.03,"sentiment":"neutral","sentiment_score":0.21567919850349423},{"text":"Okay.","start":953.03,"end":953.53,"sentiment":"neutral","sentiment_score":0.23528537154197693},{"text":"Right.","start":959.75,"end":960.25,"sentiment":"neutral","sentiment_score":0.11902322620153429}],"sentiment":"neutral","sentiment_score":0.14632633998990058,"num_words":5,"start":950.63,"end":960.25},{"sentences":[{"text":"Yep.","start":972.205,"end":972.705,"sentiment":"neutral","sentiment_score":0.1724897027015686},{"text":"Okay.","start":992.445,"end":992.945,"sentiment":"neutral","sentiment_score":0.14726310968399048},{"text":"Yeah.","start":1027.105,"end":1027.345,"sentiment":"neutral","sentiment_score":0.2622740566730499},{"text":"Definitely.","start":1027.345,"end":1027.745,"sentiment":"positive","sentiment_score":0.4441923499107361},{"text":"That would be good to say.","start":1027.745,"end":1028.705,"sentiment":"positive","sentiment_score":0.5512992143630981}],"sentiment":"positive","sentiment_score":0.4334014505147934,"num_words":10,"start":972.205,"end":1028.705},{"sentences":[{"text":"Thank you.","start":1028.705,"end":1029.445,"sentiment":"positive","sentiment_score":0.6056177020072937},{"text":"Yep.","start":1041.38,"end":1041.54,"sentiment":"neutral","sentiment_score":0.13529689610004425},{"text":"Okay.","start":1041.54,"end":1042.04,"sentiment":"neutral","sentiment_score":0.13035890460014343},{"text":"Yep.","start":1055.605,"end":1056.105,"sentiment":"neutral","sentiment_score":0.14068706333637238},{"text":"Yep.","start":1071.59,"end":1072.09,"sentiment":"positive","sentiment_score":0.4632740020751953}],"sentiment":"positive","sentiment_score":0.3468087116877238,"num_words":6,"start":1028.705,"end":1072.09},{"sentences":[{"text":"Yep.","start":1073.27,"end":1073.77,"sentiment":"neutral","sentiment_score":0.2990667521953583},{"text":"Yeah.","start":1074.165,"end":1074.405,"sentiment":"neutral","sentiment_score":0.309653639793396},{"text":"Perfect.","start":1074.405,"end":1074.805,"sentiment":"positive","sentiment_score":0.5681431293487549},{"text":"Please do.","start":1074.805,"end":1075.125,"sentiment":"positive","sentiment_score":0.4448172152042389},{"text":"That'd be good to see.","start":1075.125,"end":1076.1051,"sentiment":"positive","sentiment_score":0.47235878705978396}],"sentiment":"positive","sentiment_score":0.4428291887044907,"num_words":10,"start":1073.27,"end":1076.1051},{"sentences":[{"text":"Is that is that what's the rough turnaround on on all your workings, like, a week or two or how long?","start":1076.4851,"end":1082.8251,"sentiment":"neutral","sentiment_score":0.13952993956350146},{"text":"Okay.","start":1085.4451,"end":1085.8451,"sentiment":"neutral","sentiment_score":0.08166995644569397},{"text":"Yep.","start":1085.8451,"end":1086.3451,"sentiment":"neutral","sentiment_score":0.07967546582221985},{"text":"Yeah.","start":1088.0,"end":1088.16,"sentiment":"neutral","sentiment_score":0.025406543165445328},{"text":"No.","start":1088.16,"end":1088.3201,"sentiment":"neutral","sentiment_score":-0.002548128366470337}],"sentiment":"neutral","sentiment_score":0.12457330271601677,"num_words":25,"start":1076.4851,"end":1088.3201},{"sentences":[{"text":"That's fine.","start":1088.3201,"end":1088.88,"sentiment":"neutral","sentiment_score":0.06121843121945858},{"text":"That's fine.","start":1088.88,"end":1089.2001,"sentiment":"neutral","sentiment_score":0.15273675322532654},{"text":"That's no dramas.","start":1089.2001,"end":1089.8401,"sentiment":"neutral","sentiment_score":-0.012943928440411886},{"text":"Obviously, it's a long term thing.","start":1089.8401,"end":1090.8,"sentiment":"neutral","sentiment_score":0.031528636968384184},{"text":"I appreciate that.","start":1090.8,"end":1091.28,"sentiment":"neutral","sentiment_score":0.2719710220893224}],"sentiment":"neutral","sentiment_score":0.08713521697791293,"num_words":16,"start":1088.3201,"end":1091.28},{"sentences":[{"text":"I know it's crazy at the moment.","start":1091.28,"end":1092.66,"sentiment":"neutral","sentiment_score":-0.08333576257739748},{"text":"So yeah.","start":1093.4401,"end":1094.0,"sentiment":"neutral","sentiment_score":-0.056746603921055794},{"text":"No.","start":1094.0,"end":1094.24,"sentiment":"neutral","sentiment_score":-0.09846239537000656},{"text":"That's fine.","start":1094.24,"end":1094.9801,"sentiment":"neutral","sentiment_score":-0.028053876012563705},{"text":"Yeah.","start":1108.2251,"end":1108.625,"sentiment":"neutral","sentiment_score":0.15081945061683655}],"sentiment":"neutral","sentiment_score":-0.05389186482016857,"num_words":13,"start":1091.28,"end":1108.625},{"sentences":[{"text":"Yep.","start":1108.625,"end":1108.9451,"sentiment":"neutral","sentiment_score":0.18923144042491913},{"text":"Cool.","start":1108.9451,"end":1109.265,"sentiment":"neutral","sentiment_score":0.28824734687805176},{"text":"No.","start":1109.265,"end":1109.425,"sentiment":"neutral","sentiment_score":0.217197984457016},{"text":"That sounds good.","start":1109.425,"end":1110.0651,"sentiment":"positive","sentiment_score":0.3851172824700673},{"text":"I think I did just wanna ask as well, just maybe even just like a as a general comment from yourself or or from your team.","start":1110.0651,"end":1115.4451,"sentiment":"neutral","sentiment_score":0.18233752967073366}],"sentiment":"neutral","sentiment_score":0.2059626372065395,"num_words":32,"start":1108.625,"end":1115.4451},{"sentences":[{"text":"Yeah.","start":1116.785,"end":1117.185,"sentiment":"neutral","sentiment_score":0.040678657591342926},{"text":"What sort of markets and or even specific companies or so on you're sort of looking at or industries you're sort of looking at into the future?","start":1117.185,"end":1127.1499,"sentiment":"neutral","sentiment_score":0.043174380298565934},{"text":"What were do you have do you have my portfolio there and what markets I'm in mostly at the moment or or could you comment on 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fine.","start":1504.995,"end":1505.395,"sentiment":"neutral","sentiment_score":0.03094504214823246},{"text":"I was just more curious on from a broader scale on where it's sort of situated and what you guys are thinking about.","start":1505.395,"end":1512.0299,"sentiment":"neutral","sentiment_score":0.009584549612001232},{"text":"Yeah.","start":1512.1699,"end":1512.4099,"sentiment":"neutral","sentiment_score":0.01769917830824852},{"text":"No.","start":1512.4099,"end":1512.57,"sentiment":"neutral","sentiment_score":-0.0049115680158138275}],"sentiment":"neutral","sentiment_score":0.011037313479131885,"num_words":28,"start":1504.835,"end":1512.57},{"sentences":[{"text":"I'm I'm not I'm not too much in in the in the field of trying to stipulate or tell you I wanna be in this or that.","start":1512.57,"end":1518.97,"sentiment":"neutral","sentiment_score":-0.033386429513080254},{"text":"I'm happy as you know, obviously, you have your a company wide direction on on one of the best picks 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fine.","start":1542.53,"end":1543.01,"sentiment":"neutral","sentiment_score":-0.004769885912537575},{"text":"No.","start":1543.01,"end":1543.25,"sentiment":"neutral","sentiment_score":-0.084511399269104},{"text":"No.","start":1543.25,"end":1543.41,"sentiment":"neutral","sentiment_score":-0.06622651219367981},{"text":"No main problem.","start":1543.41,"end":1544.05,"sentiment":"neutral","sentiment_score":-0.013988394290208817}],"sentiment":"neutral","sentiment_score":-0.03374823369085789,"num_words":8,"start":1542.37,"end":1544.05},{"sentences":[{"text":"I know it's been a bit of a bit of a funny thinking, and there's also a a bit of a unique service.","start":1544.05,"end":1547.4901,"sentiment":"neutral","sentiment_score":-0.024539659488136353},{"text":"You know, it's not a service you can give much of feedback on in in, you know, six or twelve months.","start":1547.4901,"end":1552.495,"sentiment":"neutral","sentiment_score":-0.02377662683526675},{"text":"So no.","start":1552.495,"end":1553.695,"sentiment":"neutral","sentiment_score":-0.09492188319563866},{"text":"That's fine.","start":1553.695,"end":1554.4349,"sentiment":"neutral","sentiment_score":0.17721185088157654},{"text":"Yeah.","start":1554.815,"end":1555.0549,"sentiment":"neutral","sentiment_score":0.27638450264930725}],"sentiment":"neutral","sentiment_score":-0.012709324362174588,"num_words":49,"start":1544.05,"end":1555.0549},{"sentences":[{"text":"I'm definitely keen to look at the the the new advice and the reposition and also the other the other service as well when you got some time.","start":1555.0549,"end":1566.7999,"sentiment":"neutral","sentiment_score":0.3007716190602098},{"text":"And, yeah, we can go from there.","start":1567.34,"end":1568.96,"sentiment":"neutral","sentiment_score":0.12739308604172297},{"text":"No.","start":1581.635,"end":1582.035,"sentiment":"neutral","sentiment_score":-0.03701503574848175},{"text":"Not really.","start":1582.035,"end":1582.5951,"sentiment":"neutral","sentiment_score":-0.03077334351837635},{"text":"I think I think only just recently in the past couple of months signed into it and got set up so I can actually access it and see it.","start":1582.5951,"end":1589.635,"sentiment":"neutral","sentiment_score":0.010364495988549858}],"sentiment":"neutral","sentiment_score":0.14202038204269624,"num_words":67,"start":1555.0549,"end":1589.635},{"sentences":[{"text":"I didn't really see too much information on there.","start":1589.635,"end":1592.755,"sentiment":"neutral","sentiment_score":-0.08304960777362187},{"text":"Like, obviously, I do have, I think, a breakdown on on the companies and the positions.","start":1592.755,"end":1598.15,"sentiment":"neutral","sentiment_score":-0.032552277320064604},{"text":"I didn't I didn't really see much in the way of charts or or or detailed information.","start":1598.15,"end":1602.15,"sentiment":"neutral","sentiment_score":-0.09425199163310669},{"text":"I don't know if maybe I'm looking on the wrong page, but, yeah, I did get onto that one and have a good look the the other week.","start":1602.15,"end":1608.17,"sentiment":"neutral","sentiment_score":0.03740310921732869},{"text":"Yep.","start":1631.63,"end":1631.95,"sentiment":"neutral","sentiment_score":0.09278184175491332}],"sentiment":"neutral","sentiment_score":-0.024373209366286303,"num_words":71,"start":1589.635,"end":1631.95},{"sentences":[{"text":"Yeah.","start":1631.95,"end":1632.19,"sentiment":"neutral","sentiment_score":0.08684401959180832},{"text":"For sure.","start":1632.19,"end":1632.59,"sentiment":"neutral","sentiment_score":0.09656822308897972},{"text":"No dramas.","start":1632.59,"end":1633.07,"sentiment":"neutral","sentiment_score":-0.005719074979424477},{"text":"Is that is that report just taken from Hub twenty four that I'd be able to get access to myself?","start":1633.07,"end":1637.145,"sentiment":"neutral","sentiment_score":0.028039522655308246},{"text":"Or Oh, okay.","start":1637.145,"end":1664.33,"sentiment":"neutral","sentiment_score":0.06795487304528554}],"sentiment":"neutral","sentiment_score":0.03689990671617644,"num_words":28,"start":1631.95,"end":1664.33},{"sentences":[{"text":"Yeah.","start":1664.33,"end":1664.5701,"sentiment":"neutral","sentiment_score":0.09031358361244202},{"text":"Sure.","start":1664.5701,"end":1664.81,"sentiment":"neutral","sentiment_score":0.12103819847106934},{"text":"No.","start":1664.81,"end":1664.89,"sentiment":"neutral","sentiment_score":0.03803826123476029},{"text":"I won't trouble you that much, but by all means, it's good to know that I can reach out to you and go from there.","start":1664.89,"end":1669.955,"sentiment":"neutral","sentiment_score":0.25047162048518656},{"text":"I think I think because I I I can't recall.","start":1669.955,"end":1671.635,"sentiment":"neutral","sentiment_score":0.010292714461684227}],"sentiment":"neutral","sentiment_score":0.17405546579117837,"num_words":38,"start":1664.33,"end":1671.635},{"sentences":[{"text":"I think I might have switched people, but but would you be my designated account manager in a sense at the moment and moving forward indefinitely?","start":1671.635,"end":1680.4349,"sentiment":"neutral","sentiment_score":0.0160963567546927},{"text":"Is that fair to say?","start":1680.4349,"end":1681.6549,"sentiment":"neutral","sentiment_score":0.03069131225347519},{"text":"Yeah.","start":1682.79,"end":1683.1901,"sentiment":"neutral","sentiment_score":0.02324212901294231},{"text":"Cool.","start":1683.1901,"end":1683.6901,"sentiment":"neutral","sentiment_score":0.050254542380571365},{"text":"That's fine.","start":1693.03,"end":1693.91,"sentiment":"neutral","sentiment_score":0.051037247641943395}],"sentiment":"neutral","sentiment_score":0.021358085816193903,"num_words":35,"start":1671.635,"end":1693.91},{"sentences":[{"text":"Yeah.","start":1693.91,"end":1694.15,"sentiment":"neutral","sentiment_score":0.11422334611415864},{"text":"That's all good.","start":1694.15,"end":1694.9701,"sentiment":"neutral","sentiment_score":0.2988589406013489},{"text":"Yep.","start":1697.435,"end":1697.935,"sentiment":"neutral","sentiment_score":0.15766657888889313},{"text":"Yep.","start":1708.155,"end":1708.655,"sentiment":"neutral","sentiment_score":0.09782852977514268},{"text":"Yeah.","start":1708.715,"end":1708.955,"sentiment":"neutral","sentiment_score":0.09911193698644638}],"sentiment":"neutral","sentiment_score":0.19505817336695536,"num_words":7,"start":1693.91,"end":1708.955},{"sentences":[{"text":"For sure.","start":1708.955,"end":1709.355,"sentiment":"neutral","sentiment_score":0.0974978655576706},{"text":"No dramas.","start":1709.355,"end":1709.835,"sentiment":"neutral","sentiment_score":0.0508406488224864},{"text":"I think the only other thing I was gonna ask today, which is, Anurag, because I know you guys are providing essentially, I signed up for super management.","start":1709.835,"end":1717.28,"sentiment":"neutral","sentiment_score":0.09258888595338378},{"text":"That was the main point of call, which I'm happy with.","start":1717.28,"end":1721.78,"sentiment":"neutral","sentiment_score":0.17759295959364285},{"text":"But, obviously, you guys are a pretty large financial service company.","start":1721.92,"end":1725.2001,"sentiment":"neutral","sentiment_score":0.08279221606525508}],"sentiment":"neutral","sentiment_score":0.10654449569820254,"num_words":54,"start":1708.955,"end":1725.2001},{"sentences":[{"text":"Am am I fine too?","start":1725.2001,"end":1727.015,"sentiment":"neutral","sentiment_score":0.11811228096485138},{"text":"And it's obviously included in the service of managing my super that you guys issue advice for other areas of my life in terms of, like, personal investments or or or debts or anything like that?","start":1727.395,"end":1739.9601,"sentiment":"neutral","sentiment_score":0.0743512038865851},{"text":"Is that fair to say?","start":1739.9601,"end":1741.27,"sentiment":"neutral","sentiment_score":0.04508273899555206},{"text":"Yep.","start":1758.565,"end":1759.065,"sentiment":"neutral","sentiment_score":0.0769156739115715},{"text":"Yep.","start":1772.75,"end":1773.25,"sentiment":"neutral","sentiment_score":0.09705613553524016}],"sentiment":"neutral","sentiment_score":0.07638729685762276,"num_words":48,"start":1725.2001,"end":1773.25},{"sentences":[{"text":"Yep.","start":1781.985,"end":1782.485,"sentiment":"neutral","sentiment_score":0.09390215575695038},{"text":"Yep.","start":1787.345,"end":1787.845,"sentiment":"neutral","sentiment_score":0.10811272263526917},{"text":"Yep.","start":1798.16,"end":1798.66,"sentiment":"neutral","sentiment_score":0.1344931423664093},{"text":"Yep.","start":1803.585,"end":1804.085,"sentiment":"neutral","sentiment_score":-0.029370522126555443},{"text":"Yeah.","start":1809.825,"end":1810.3049,"sentiment":"neutral","sentiment_score":0.06971459090709686}],"sentiment":"neutral","sentiment_score":0.07537041790783405,"num_words":5,"start":1781.985,"end":1810.3049},{"sentences":[{"text":"Perfect.","start":1810.3049,"end":1810.705,"sentiment":"positive","sentiment_score":0.3756658732891083},{"text":"Awesome.","start":1810.705,"end":1811.025,"sentiment":"positive","sentiment_score":0.3890244960784912},{"text":"No no dramas at the moment.","start":1811.025,"end":1811.865,"sentiment":"neutral","sentiment_score":0.04980325202147166},{"text":"I think it's more just curiosity in that sense.","start":1811.865,"end":1813.765,"sentiment":"neutral","sentiment_score":0.0883767017059856},{"text":"But, yeah, no.","start":1814.225,"end":1814.865,"sentiment":"neutral","sentiment_score":-0.03267271692554156}],"sentiment":"neutral","sentiment_score":0.08804410230368376,"num_words":20,"start":1810.3049,"end":1814.865},{"sentences":[{"text":"My situation is fine, so no issues at the moment.","start":1814.865,"end":1817.365,"sentiment":"neutral","sentiment_score":0.19292618781328202},{"text":"Okay.","start":1824.11,"end":1824.61,"sentiment":"neutral","sentiment_score":0.10955463349819183},{"text":"Awesome.","start":1834.9049,"end":1835.385,"sentiment":"positive","sentiment_score":0.4503451585769654},{"text":"Yeah.","start":1835.385,"end":1835.5449,"sentiment":"neutral","sentiment_score":0.24833664298057556},{"text":"No.","start":1835.5449,"end":1835.705,"sentiment":"neutral","sentiment_score":0.23163637518882751}],"sentiment":"neutral","sentiment_score":0.21208104916981288,"num_words":14,"start":1814.865,"end":1835.705},{"sentences":[{"text":"That all sounds pretty good.","start":1835.705,"end":1837.005,"sentiment":"positive","sentiment_score":0.38741902112960813},{"text":"No.","start":1853.37,"end":1853.6901,"sentiment":"neutral","sentiment_score":-0.03136373311281204},{"text":"Same position.","start":1853.6901,"end":1854.43,"sentiment":"neutral","sentiment_score":-0.01607712870463729},{"text":"Yep.","start":1856.25,"end":1856.75,"sentiment":"neutral","sentiment_score":0.04790795594453811},{"text":"I don't think in the past ten months.","start":1861.9249,"end":1864.905,"sentiment":"neutral","sentiment_score":-0.07938996981829405}],"sentiment":"neutral","sentiment_score":0.07566854779553764,"num_words":17,"start":1835.705,"end":1864.905},{"sentences":[{"text":"I think it's still is it still $1.20 gross salary?","start":1865.2849,"end":1870.6649,"sentiment":"neutral","sentiment_score":-0.0713140893727541},{"text":"Is that correct?","start":1870.725,"end":1871.5449,"sentiment":"neutral","sentiment_score":-0.025059493258595467},{"text":"Yep.","start":1879.0199,"end":1879.4199,"sentiment":"neutral","sentiment_score":-0.0070999059826135635},{"text":"That's alright.","start":1879.4199,"end":1880.24,"sentiment":"neutral","sentiment_score":-0.007355295587331057},{"text":"Yep.","start":1881.2599,"end":1881.6599,"sentiment":"neutral","sentiment_score":0.06677848100662231}],"sentiment":"neutral","sentiment_score":-0.0437265523325871,"num_words":17,"start":1865.2849,"end":1881.6599},{"sentences":[{"text":"Cool.","start":1881.6599,"end":1882.1599,"sentiment":"neutral","sentiment_score":0.24973027408123016},{"text":"Sweet.","start":1882.2999,"end":1882.7999,"sentiment":"neutral","sentiment_score":0.2110588252544403},{"text":"Yep.","start":1915.51,"end":1916.01,"sentiment":"neutral","sentiment_score":0.06675854325294495},{"text":"Yep.","start":1918.745,"end":1919.245,"sentiment":"neutral","sentiment_score":0.04758909344673157},{"text":"Perfect.","start":1919.785,"end":1920.285,"sentiment":"positive","sentiment_score":0.37385791540145874}],"sentiment":"neutral","sentiment_score":0.18979893028736114,"num_words":5,"start":1881.6599,"end":1920.285},{"sentences":[{"text":"Yep.","start":1933.545,"end":1933.83,"sentiment":"neutral","sentiment_score":0.09020060300827026},{"text":"Yeah.","start":1944.23,"end":1944.47,"sentiment":"neutral","sentiment_score":0.03810537233948707},{"text":"Well, okay.","start":1944.47,"end":1945.21,"sentiment":"neutral","sentiment_score":0.037099989131093025},{"text":"Yeah.","start":1952.085,"end":1952.325,"sentiment":"neutral","sentiment_score":0.00588613748550415},{"text":"Right.","start":1952.325,"end":1952.825,"sentiment":"neutral","sentiment_score":-0.011341704055666924}],"sentiment":"neutral","sentiment_score":0.03284173117329677,"num_words":6,"start":1933.545,"end":1952.825},{"sentences":[{"text":"Yep.","start":1958.965,"end":1959.33,"sentiment":"neutral","sentiment_score":0.08093787729740143},{"text":"Yep.","start":1973.89,"end":1974.39,"sentiment":"neutral","sentiment_score":0.2079974114894867},{"text":"Perfect.","start":1974.45,"end":1974.95,"sentiment":"positive","sentiment_score":0.5367152690887451},{"text":"Awesome.","start":1975.135,"end":1975.635,"sentiment":"positive","sentiment_score":0.59737229347229},{"text":"Yes.","start":2005.005,"end":2005.505,"sentiment":"neutral","sentiment_score":-0.16597971320152283}],"sentiment":"neutral","sentiment_score":0.25140862762928007,"num_words":5,"start":1958.965,"end":2005.505},{"sentences":[{"text":"Yep.","start":2013.645,"end":2013.99,"sentiment":"neutral","sentiment_score":-0.04195554181933403},{"text":"Yep.","start":2028.71,"end":2029.21,"sentiment":"neutral","sentiment_score":0.1057109460234642},{"text":"Perfect.","start":2029.455,"end":2029.955,"sentiment":"positive","sentiment_score":0.4646400809288025},{"text":"Yep.","start":2036.735,"end":2037.235,"sentiment":"neutral","sentiment_score":0.1165764331817627},{"text":"Awesome.","start":2042.4149,"end":2042.85,"sentiment":"positive","sentiment_score":0.6046068668365479}],"sentiment":"neutral","sentiment_score":0.24991575703024865,"num_words":5,"start":2013.645,"end":2042.85},{"sentences":[{"text":"Yeah.","start":2043.09,"end":2043.59,"sentiment":"positive","sentiment_score":0.391659677028656},{"text":"No.","start":2047.7032,"end":2048.2031,"sentiment":"neutral","sentiment_score":0.07039159536361694},{"text":"It sounds good.","start":2052.3167,"end":2057.57,"sentiment":"neutral","sentiment_score":0.16855145618319511},{"text":"No.","start":2057.57,"end":2058.07,"sentiment":"neutral","sentiment_score":-0.05254071205854416},{"text":"I'd say probably not.","start":2058.2751,"end":2059.5552,"sentiment":"neutral","sentiment_score":-0.07510889321565628}],"sentiment":"neutral","sentiment_score":0.0614729356020689,"num_words":10,"start":2043.09,"end":2059.5552},{"sentences":[{"text":"I think I've already I've already had I think I've already had three rises in the past three years, and I think the position at the moment is as, like, the top of the department.","start":2059.5552,"end":2069.8152,"sentiment":"neutral","sentiment_score":-0.07813287590231215},{"text":"So I don't I don't really see much in in the way of that.","start":2069.875,"end":2073.39,"sentiment":"neutral","sentiment_score":-0.20072829723358154},{"text":"Maybe if it was a a role change, but I don't wanna leave the company for the rest of the year.","start":2073.39,"end":2077.39,"sentiment":"neutral","sentiment_score":-0.10678420073929287},{"text":"So I think everything's pretty fine as it is at the moment.","start":2077.39,"end":2081.25,"sentiment":"neutral","sentiment_score":0.0605033574004968},{"text":"It's a bit of a funny one.","start":2094.705,"end":2095.825,"sentiment":"neutral","sentiment_score":-0.16283488060746873}],"sentiment":"neutral","sentiment_score":-0.09214740346991614,"num_words":89,"start":2059.5552,"end":2095.825},{"sentences":[{"text":"I think hard to say.","start":2095.825,"end":2099.97,"sentiment":"neutral","sentiment_score":-0.1626425176858902},{"text":"Hey.","start":2099.97,"end":2100.21,"sentiment":"neutral","sentiment_score":-0.02194331586360931},{"text":"I think maybe 20 flat is in savings.","start":2100.21,"end":2104.79,"sentiment":"neutral","sentiment_score":-0.009186100214719772},{"text":"Yeah.","start":2105.41,"end":2105.81,"sentiment":"neutral","sentiment_score":0.0799267590045929},{"text":"But I think I've I think it's because I've put down the the deposit for the house and then overpaid the mortgage.","start":2105.81,"end":2111.73,"sentiment":"neutral","sentiment_score":-0.06165543113919822}],"sentiment":"neutral","sentiment_score":-0.05905776843428612,"num_words":37,"start":2095.825,"end":2111.73},{"sentences":[{"text":"So I think there's there are some funds there in to redraw if needed, but, yeah, technically, 20 at the moment.","start":2111.73,"end":2119.755,"sentiment":"neutral","sentiment_score":-0.022226424266894657},{"text":"It's still unfortunately in the garage.","start":2131.2698,"end":2133.0298,"sentiment":"neutral","sentiment_score":-0.24647302677234015},{"text":"I've just I've just serviced it last weekend, and I'm gonna I'm gonna clean it so I figured it out for sale maybe this weekend.","start":2133.0298,"end":2139.45,"sentiment":"neutral","sentiment_score":0.029341001361608506},{"text":"So I think maybe 15 is is pretty fair for it.","start":2139.51,"end":2146.515,"sentiment":"neutral","sentiment_score":0.13951956819404254},{"text":"Yeah.","start":2157.16,"end":2157.48,"sentiment":"neutral","sentiment_score":0.0615934319794178}],"sentiment":"neutral","sentiment_score":0.006003760092426091,"num_words":64,"start":2111.73,"end":2157.48},{"sentences":[{"text":"Correct.","start":2157.48,"end":2157.8,"sentiment":"neutral","sentiment_score":0.06982144713401794},{"text":"So I've got home and contents.","start":2157.8,"end":2159.0999,"sentiment":"neutral","sentiment_score":0.04376009479165077},{"text":"It's I think I bumped up the the total I think I bumped up the total amount of I'm not too sure what the figure would be.","start":2161.0798,"end":2168.0752,"sentiment":"neutral","sentiment_score":0.03771364875137806},{"text":"If she's sort of asking for a rough contents value on the house, but I'd say maybe and brand like, brand new value, maybe 30.","start":2168.455,"end":2177.8152,"sentiment":"neutral","sentiment_score":0.014851165320724249},{"text":"It's it's kind of hard to say.","start":2177.8152,"end":2179.1,"sentiment":"neutral","sentiment_score":-0.04289967779602323}],"sentiment":"neutral","sentiment_score":0.021539877585107177,"num_words":66,"start":2157.48,"end":2179.1},{"sentences":[{"text":"Like, there's a lot of tools and secondhand things I've purchased in electronics, which aren't yeah.","start":2179.1,"end":2183.9001,"sentiment":"neutral","sentiment_score":-0.028994602849707007},{"text":"Which I haven't bought a full valuable and secondhand and that sort of thing.","start":2183.9001,"end":2186.46,"sentiment":"neutral","sentiment_score":-0.07367557500089918},{"text":"So it'd be hard to comment on.","start":2186.46,"end":2187.6602,"sentiment":"neutral","sentiment_score":-0.04754472630364554},{"text":"But, yeah, maybe 30 30 new.","start":2187.6602,"end":2190.075,"sentiment":"neutral","sentiment_score":-0.009782048252721628},{"text":"Yeah.","start":2191.9949,"end":2192.4949,"sentiment":"neutral","sentiment_score":-0.07818435877561569}],"sentiment":"neutral","sentiment_score":-0.044660487000576475,"num_words":44,"start":2179.1,"end":2192.4949},{"sentences":[{"text":"I just hate it too because I know that I was like I've spent so much time shopping on marketplace and getting deals and all that sort of thing.","start":2192.7148,"end":2200.635,"sentiment":"neutral","sentiment_score":-0.12549263547206746},{"text":"I've got secondhand everything, secondhand TV.","start":2200.635,"end":2202.9749,"sentiment":"neutral","sentiment_score":-0.08868449181318283},{"text":"But I think if I had to make a claim, they would they would view it as like, oh, well, the TV's worth $2, not $500.","start":2203.26,"end":2209.74,"sentiment":"neutral","sentiment_score":-0.09443474245759156},{"text":"So that the $2 comes off the 30 k.","start":2209.74,"end":2211.9,"sentiment":"neutral","sentiment_score":-0.09351066251595815},{"text":"So I was a bit worried about capping it out even though nothing's really worth.","start":2211.9,"end":2216.8801,"sentiment":"neutral","sentiment_score":-0.14564788887898128}],"sentiment":"neutral","sentiment_score":-0.1135648350505268,"num_words":85,"start":2192.7148,"end":2216.8801},{"sentences":[{"text":"They're they're brand new rates, but, yeah, maybe just 30 is a safe number.","start":2217.1,"end":2221.135,"sentiment":"neutral","sentiment_score":0.053809130165193765},{"text":"No.","start":2233.355,"end":2233.595,"sentiment":"neutral","sentiment_score":0.0034222695976495743},{"text":"That's fine.","start":2233.595,"end":2234.075,"sentiment":"neutral","sentiment_score":0.041446054354310036},{"text":"It's just a car, bike, cash.","start":2234.075,"end":2236.2302,"sentiment":"neutral","sentiment_score":0.025104773230850697},{"text":"I mean, the money in the mortgage is just, like, written off in my head anyway, and then home assets.","start":2236.9302,"end":2242.85,"sentiment":"neutral","sentiment_score":-0.04387223059311509}],"sentiment":"neutral","sentiment_score":0.002623865770739178,"num_words":43,"start":2217.1,"end":2242.85},{"sentences":[{"text":"I think that's pretty much everything.","start":2242.85,"end":2243.8901,"sentiment":"neutral","sentiment_score":-0.03828776193161806},{"text":"I don't have any other investment accounts.","start":2243.8901,"end":2245.33,"sentiment":"neutral","sentiment_score":-0.13189272369657243},{"text":"I think everything else has been sort of pulled and will be pulled to my debt for the house.","start":2245.33,"end":2250.545,"sentiment":"neutral","sentiment_score":-0.04257977871518386},{"text":"Yeah.","start":2253.325,"end":2253.645,"sentiment":"neutral","sentiment_score":0.008309446275234222},{"text":"Which is something, I think, which is something that I might touch on with you down the road in terms of the the the benefits of paying that off for instead of, you know, putting it towards personal investments.","start":2253.645,"end":2263.5999,"sentiment":"neutral","sentiment_score":0.01844361448326172}],"sentiment":"neutral","sentiment_score":-0.017144180860163435,"num_words":72,"start":2242.85,"end":2263.5999},{"sentences":[{"text":"But that's a that's a later chat, but I think that that covers everything.","start":2263.66,"end":2267.3599,"sentiment":"neutral","sentiment_score":0.08032399801803487},{"text":"Yep.","start":2278.955,"end":2279.455,"sentiment":"positive","sentiment_score":0.3824161887168884},{"text":"Awesome.","start":2280.555,"end":2281.055,"sentiment":"neutral","sentiment_score":-0.10656408220529556},{"text":"Cool.","start":2285.915,"end":2286.415,"sentiment":"neutral","sentiment_score":0.13318070769309998},{"text":"Definitely dropped quite a bit.","start":2286.715,"end":2288.5598,"sentiment":"neutral","sentiment_score":-0.2245945930480957}],"sentiment":"neutral","sentiment_score":0.01866344641894102,"num_words":22,"start":2263.66,"end":2288.5598},{"sentences":[{"text":"Maybe just go it'd be more than 15.","start":2288.5598,"end":2291.46,"sentiment":"neutral","sentiment_score":-0.0757212657481432},{"text":"I wanna say between 20.","start":2292.48,"end":2293.92,"sentiment":"neutral","sentiment_score":-0.0266674667596817},{"text":"Maybe just go 17, I think, or 18.","start":2293.92,"end":2296.66,"sentiment":"neutral","sentiment_score":-0.013329842127859592},{"text":"Like, the purchase price or, like, the the theproperty.com, like, average, like, expected sale price now?","start":2303.885,"end":2311.345,"sentiment":"neutral","sentiment_score":0.043090862687677145},{"text":"Oh, maybe 900.","start":2320.1401,"end":2322.08,"sentiment":"neutral","sentiment_score":0.0009267007311185201}],"sentiment":"neutral","sentiment_score":-0.0038378072902560236,"num_words":40,"start":2288.5598,"end":2322.08},{"sentences":[{"text":"5 I wanna say $5.60.","start":2329.5852,"end":2333.2852,"sentiment":"neutral","sentiment_score":0.04381770528852939},{"text":"Yep.","start":2336.625,"end":2337.125,"sentiment":"positive","sentiment_score":0.36119601130485535},{"text":"No.","start":2354.7449,"end":2355.065,"sentiment":"neutral","sentiment_score":-0.21592850983142853},{"text":"I haven't actually.","start":2355.065,"end":2355.9448,"sentiment":"neutral","sentiment_score":-0.23891907930374146},{"text":"That is that is good to know.","start":2355.9448,"end":2357.2651,"sentiment":"neutral","sentiment_score":0.08192381794963564}],"sentiment":"neutral","sentiment_score":0.013003853861899936,"num_words":17,"start":2329.5852,"end":2357.2651},{"sentences":[{"text":"I think I remembered going through that debacle with you guys last year.","start":2357.2651,"end":2362.025,"sentiment":"neutral","sentiment_score":-0.29979909555270123},{"text":"I think I I I think when the my super happened to that.","start":2362.025,"end":2366.55,"sentiment":"neutral","sentiment_score":-0.06686449136871558},{"text":"I think when you got me to sign up with the new super company oh, sorry.","start":2366.55,"end":2369.59,"sentiment":"neutral","sentiment_score":-0.11180010717362165},{"text":"Not the new super company.","start":2369.59,"end":2370.3901,"sentiment":"neutral","sentiment_score":-0.16196594685316085},{"text":"The the health insurance company I resigned for its standard will on the pass over of all that, but I haven't actually done a a personal one with a lawyer or anything like that.","start":2370.3901,"end":2381.025,"sentiment":"neutral","sentiment_score":-0.20020617566564503}],"sentiment":"neutral","sentiment_score":-0.17496627224264322,"num_words":81,"start":2357.2651,"end":2381.025},{"sentences":[{"text":"Yeah.","start":2382.785,"end":2383.025,"sentiment":"neutral","sentiment_score":0.2247946709394455},{"text":"It's definitely something I'm looking at or considering at least.","start":2383.025,"end":2386.1648,"sentiment":"neutral","sentiment_score":0.28796981275081635},{"text":"I don't know if you guys might recommend someone to go through for that.","start":2386.9448,"end":2390.145,"sentiment":"neutral","sentiment_score":0.01029973423906735},{"text":"Or yep.","start":2390.145,"end":2398.34,"sentiment":"neutral","sentiment_score":0.12155850231647491},{"text":"Yep.","start":2408.175,"end":2408.675,"sentiment":"neutral","sentiment_score":0.16477781534194946}],"sentiment":"neutral","sentiment_score":0.13059228206319468,"num_words":28,"start":2382.785,"end":2408.675},{"sentences":[{"text":"Yep.","start":2418.79,"end":2419.29,"sentiment":"neutral","sentiment_score":0.17967724800109863},{"text":"Yep.","start":2438.725,"end":2439.225,"sentiment":"neutral","sentiment_score":-0.03481230139732361},{"text":"Yep.","start":2453.0298,"end":2453.5298,"sentiment":"neutral","sentiment_score":0.09827069938182832},{"text":"Yeah.","start":2464.685,"end":2464.925,"sentiment":"neutral","sentiment_score":0.14386823773384094},{"text":"Yes, please.","start":2464.925,"end":2465.485,"sentiment":"neutral","sentiment_score":0.2198912352323532}],"sentiment":"neutral","sentiment_score":0.13779772569735846,"num_words":6,"start":2418.79,"end":2465.485},{"sentences":[{"text":"That sounds good.","start":2465.485,"end":2466.385,"sentiment":"positive","sentiment_score":0.5233864982922872},{"text":"Yeah.","start":2487.515,"end":2487.755,"sentiment":"neutral","sentiment_score":0.0920685976743698},{"text":"Yeah.","start":2487.755,"end":2487.915,"sentiment":"neutral","sentiment_score":0.15372854471206665},{"text":"Happy happy there.","start":2487.915,"end":2488.635,"sentiment":"positive","sentiment_score":0.3369932274023692},{"text":"I think it's I don't think I've actually circulated anyone, so it's just gonna be whatever the state designates.","start":2488.635,"end":2494.175,"sentiment":"neutral","sentiment_score":0.00815890418782242}],"sentiment":"neutral","sentiment_score":0.11044279626070487,"num_words":27,"start":2465.485,"end":2494.175},{"sentences":[{"text":"I believe that's probably gonna go to a family member, I presume.","start":2494.235,"end":2498.8098,"sentiment":"neutral","sentiment_score":-0.010171667207032442},{"text":"No.","start":2512.5852,"end":2512.8252,"sentiment":"neutral","sentiment_score":-0.04070449620485306},{"text":"No change at all.","start":2512.8252,"end":2519.3252,"sentiment":"neutral","sentiment_score":0.004573500249534845},{"text":"No.","start":2587.89,"end":2588.13,"sentiment":"neutral","sentiment_score":-0.26851844787597656},{"text":"Happy to stay there.","start":2588.13,"end":2589.3499,"sentiment":"neutral","sentiment_score":-0.17344074696302414}],"sentiment":"neutral","sentiment_score":-0.05030690624632619,"num_words":22,"start":2494.235,"end":2589.3499},{"sentences":[{"text":"I know things are pretty crazy at the moment, but it's obviously time is the the the best factor.","start":2589.57,"end":2594.7249,"sentiment":"neutral","sentiment_score":0.09011306064693551},{"text":"And, also, you have some opportunities there too.","start":2594.7249,"end":2598.005,"sentiment":"positive","sentiment_score":0.476584330201149},{"text":"So, yeah, happy to stay in that.","start":2598.005,"end":2599.4648,"sentiment":"positive","sentiment_score":0.5382104175431388},{"text":"Yep.","start":2630.785,"end":2631.285,"sentiment":"positive","sentiment_score":0.5391144156455994},{"text":"Yep.","start":2660.345,"end":2660.845,"sentiment":"neutral","sentiment_score":0.15759538114070892}],"sentiment":"neutral","sentiment_score":0.27747237537470126,"num_words":36,"start":2589.57,"end":2660.845},{"sentences":[{"text":"No.","start":2678.095,"end":2678.335,"sentiment":"neutral","sentiment_score":-0.000016372650861740112},{"text":"That's fine.","start":2678.335,"end":2678.7349,"sentiment":"neutral","sentiment_score":0.04629429057240486},{"text":"I'd probably say just every six months at this stage is fine.","start":2678.7349,"end":2683.2349,"sentiment":"neutral","sentiment_score":0.0285402899608016},{"text":"Yeah.","start":2684.575,"end":2684.815,"sentiment":"neutral","sentiment_score":0.17483261227607727},{"text":"I think that's fine.","start":2684.815,"end":2685.9548,"sentiment":"neutral","sentiment_score":0.26129963994026184}],"sentiment":"neutral","sentiment_score":0.0827543430030346,"num_words":20,"start":2678.095,"end":2685.9548},{"sentences":[{"text":"Yep.","start":2712.175,"end":2712.675,"sentiment":"neutral","sentiment_score":0.07307954132556915},{"text":"Yep.","start":2738.315,"end":2738.815,"sentiment":"neutral","sentiment_score":0.11528269946575163},{"text":"Yep.","start":2741.755,"end":2742.255,"sentiment":"neutral","sentiment_score":0.08166501671075821},{"text":"Yep.","start":2763.705,"end":2764.205,"sentiment":"neutral","sentiment_score":0.25080448389053345},{"text":"Perfect.","start":2764.265,"end":2764.665,"sentiment":"positive","sentiment_score":0.3486124277114868}],"sentiment":"neutral","sentiment_score":0.17388883382081985,"num_words":5,"start":2712.175,"end":2764.665},{"sentences":[{"text":"Thank you.","start":2764.665,"end":2765.405,"sentiment":"positive","sentiment_score":0.7876474261283875},{"text":"No.","start":2775.05,"end":2775.29,"sentiment":"neutral","sentiment_score":-0.1221754401922226},{"text":"That's fine.","start":2775.29,"end":2776.03,"sentiment":"neutral","sentiment_score":0.037616852670907974},{"text":"I think I think the trust is there.","start":2776.25,"end":2777.49,"sentiment":"neutral","sentiment_score":0.1791936345398426},{"text":"I was more just curious in a general sense what where it's at and and what the plans were.","start":2777.49,"end":2781.77,"sentiment":"neutral","sentiment_score":0.1010574414149711}],"sentiment":"neutral","sentiment_score":0.15256229939404875,"num_words":32,"start":2764.665,"end":2781.77},{"sentences":[{"text":"So, yeah, happy to see those recommendations and go from there.","start":2781.77,"end":2785.145,"sentiment":"positive","sentiment_score":0.3745754361152649},{"text":"But apart from that, I'd probably only just reach out for curiosity or if I wanna pick your brain on on a particular, like, personal piece of advice.","start":2785.145,"end":2794.665,"sentiment":"neutral","sentiment_score":0.0694963833915868},{"text":"But apart from that, all good for now?","start":2794.665,"end":2796.445,"sentiment":"neutral","sentiment_score":0.15011906111612916},{"text":"Yep.","start":2810.8,"end":2811.255,"sentiment":"neutral","sentiment_score":0.1265014410018921},{"text":"Perfect.","start":2815.4148,"end":2815.9148,"sentiment":"positive","sentiment_score":0.7183324098587036}],"sentiment":"neutral","sentiment_score":0.16555132391881577,"num_words":49,"start":2781.77,"end":2815.9148},{"sentences":[{"text":"Sounds good.","start":2815.9749,"end":2816.535,"sentiment":"positive","sentiment_score":0.751705527305603},{"text":"Will do.","start":2816.535,"end":2817.1948,"sentiment":"positive","sentiment_score":0.695850670337677},{"text":"Yep.","start":2822.2148,"end":2822.4548,"sentiment":"neutral","sentiment_score":0.17541339993476868},{"text":"No.","start":2822.4548,"end":2822.6948,"sentiment":"neutral","sentiment_score":-0.01250818371772766},{"text":"Will do.","start":2822.6948,"end":2823.015,"sentiment":"neutral","sentiment_score":0.19143731892108917}],"sentiment":"positive","sentiment_score":0.4301115311682224,"num_words":8,"start":2815.9749,"end":2823.015},{"sentences":[{"text":"Thanks again for your time, and we'll chat soon.","start":2823.015,"end":2824.9548,"sentiment":"positive","sentiment_score":0.5048826436201731},{"text":"Thanks, Dana.","start":2827.591,"end":2828.231,"sentiment":"positive","sentiment_score":0.5314263105392456},{"text":"Bye.","start":2828.231,"end":2828.731,"sentiment":"neutral","sentiment_score":0.3321366310119629}],"sentiment":"positive","sentiment_score":0.494911087056001,"num_words":12,"start":2823.015,"end":2828.731}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Andrew speaking.\n\nChannel 0: Hi, Andrew. Rosina from Oakey Financial. How are you today?\n\nChannel 1: Yeah. Good day, Sam. How about yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your annual reviews this morning. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. No dramas.\n\nChannel 0: Yep. Beautiful. Beautiful. Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do security there with you as well, we are just discussing your personal information. So just need to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Yep. Andrew John Smith, excuse me, 07/1997. And my new address is Number 34 Croelgate Court, Merrimack, Q L D 4226.\n\nChannel 0: Beautiful. Thank you so much for that. Did you you've just moved. That's fantastic. Do you purchase or renting?\n\nOr\n\nChannel 1: Yeah. Yeah. Just moved in late late\n\nChannel 0: Yes.\n\nChannel 1: last year. Just purchased the place. So,\n\nChannel 0: No.\n\nChannel 1: yeah, things worked out pretty well, which is nice. So it was a bit of\n\nChannel 0: Fantastic.\n\nChannel 1: a bit of a bit of a rough buy, but it was I come into the market,\n\nChannel 0: Yeah.\n\nChannel 1: so I'm pretty happy with that, which is\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Yeah. No. Fantastic. Excellent. So that you got it at the right time.\n\nAll these property prices still keep increasing on us, so I don't know how anyone younger than us is ever gonna be able to buy a property. It's pretty insane.\n\nChannel 1: Yeah. Yeah. It's pretty crazy. Hey. I feel really sorry for for my friends.\n\nActually, they were looking at the same time, and then\n\nChannel 0: Wow.\n\nChannel 1: they didn't get in or anything that they like. And now\n\nChannel 0: Yeah.\n\nChannel 1: it's, you know, six months later, and I think\n\nChannel 0: Yep.\n\nChannel 1: they've already had to accept spending another under $200 or something on top of what they were\n\nChannel 0: Wow.\n\nChannel 1: originally looking at. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it's frustrating. But, anyway.\n\nChannel 0: Yeah. Absolutely. No. All good. Well, as part of today's annual review at all, did you have any particular questions or anything that you were wanting to sort of touch on or had to ask me while you had me here as well?\n\nChannel 1: Yeah. I think my my main curiosity for today, obviously, you guys are are mostly managing my super\n\nChannel 0: Yes.\n\nChannel 1: for me.\n\nChannel 0: Yes.\n\nChannel 1: I think I was more just curious in regards of, like, performance to date. I I can't recall how long it's been now. I feel like it's probably at least been you have to correct me maybe. I I know it's been over six months. I don't know if it's been ever been with you guys for twelve months now.\n\nI'm not too sure. But\n\nChannel 0: Not quite. No. That's okay. Not quite twelve months. But, no, that's absolutely fine.\n\nWe're more than happy to do that. I'll actually touch\n\nChannel 1: yep.\n\nChannel 0: on that first if you like because I have to have a bit of a look around, and we'll obviously send that after the call. We'll send some annual review documents to you as well so you can have a bit of a look at everything.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Cool.\n\nChannel 0: when I sort of track the performance because you came on board around about sort of June, so you've almost been there for about twelve months.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Admittedly, and with what's happening in the market at the moment is extremely volatile out there currently.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: with your\n\nChannel 1: Sure.\n\nChannel 0: super, when we sort of put the funds in, we had seen some really good growth. It was pretty steady right up until about sort of October. And then around about November, December, we've sort of seen a little bit of volatility with sort of rising interest rates, and we had a bit\n\nChannel 1: Yep.\n\nChannel 0: of increased inflation there and few some tensions between The US and China.\n\nChannel 1: Yep.\n\nChannel 0: And then from this year, from January onwards, we have seen a bit more of a drop there. So your portfolio is currently down.\n\nChannel 1: Okay.\n\nChannel 0: From inception, it is showing a negative of 3%. So it is down at the moment. It is notably part of the cycle where we're gonna see it down for a bit. But from kind of I'm just doing an updated reports. So that was up until kind of this early this month.\n\nFrom the April 1 onwards, I'm just updating the report for you\n\nChannel 1: Thanks for that. Appreciate\n\nChannel 0: because we\n\nChannel 1: that.\n\nChannel 0: have no. That's okay. It's not a problem at all. I do wanna be honest with you and make sure that you're you know, what's happening with your sleep. I never wanna hide anything from you.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: when we are down, we do notice it is down. It's because the entire market is down as well, and\n\nChannel 1: Yep.\n\nChannel 0: your sleep is tracking along with how the market does react there. So from sort of the first of this month right up until basically today, you have seen a bit more of a recovery period from your super, and you're up by about 2.95% there from the first of this month. So whilst we sort of saw you going really well, tracking really well along to sort of October, November, then we saw a bit of volatility from January to about the first of this month. We've seen a pretty heavy dip in the market with what was happening between The US and Iran. And\n\nChannel 1: Yep.\n\nChannel 0: then from sort of the April 1 to now, we've seen a bit more of a 2% increase there for you. So whilst the super is still showing, it is down for the whole year. We\n\nChannel 1: Yep.\n\nChannel 0: have seen a partial recovery from this one, and I just wanted to maybe look at talking to you about altering some of the investments moving forward. Because\n\nChannel 1: Okay.\n\nChannel 0: with what has been kinda going on, I have just sort of reviewed everything. And\n\nChannel 1: Yep.\n\nChannel 0: I did wanna maybe update some of the investments. I have noticed that you've been along Australian equities for this year has been underperforming a little bit. We sort of note that when the market is taking a bit of a dip due to what's happening externally, that's understandable. It's all part of the cycle. However,\n\nChannel 1: Yep.\n\nChannel 0: Ben along have had some underlying issues with some of their investments, so we are taking a a stance now to remove them out of the portfolio and replace them with something a little bit better.\n\nChannel 1: Okay.\n\nChannel 0: They're no longer seen as a good a good enough investment to sort of have in there. So we wanna\n\nChannel 1: Yep.\n\nChannel 0: I do wanna update the advice for you and just remove that, replace it with something else that might be cheaper that has, you know, seen greater track records to try and help that portfolio recover a little bit more.\n\nChannel 1: Yep.\n\nChannel 0: Just because with what's happening with that investment, generally, it's got nothing to do with what's happening in the market. It's down for a whole another reason. Some of the underlying investments haven't really performed or haven't been going the way they would like.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Which\n\nChannel 0: we've\n\nChannel 1: which\n\nChannel 0: decided\n\nChannel 1: one was that?\n\nChannel 0: that\n\nChannel 1: Sorry. Did you say securities Australian securities or something? Which one was that?\n\nChannel 0: yeah. Ben along a say in equities.\n\nChannel 1: Okay. Yep. Gotcha.\n\nChannel 0: Yeah. Yep. So we're gonna look at removing that. That is a company decision as of now. We've sort of had our investment committee meetings and had a look at everything, and they've decided it is definitely worth getting out of that one.\n\nSo I do wanna remove that one out of your portfolio there for you.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Cool.\n\nChannel 0: your bank, yeah, your bank hybrids there, they are more of a defensive investment, but they are in the future being phased out. So while the investments are a little bit up and down at the moment, we could be looking at maneuvering that as well, taking that out and putting something in that's probably got more of a long term track record that isn't gonna be phased out in the future. And\n\nChannel 1: Yep.\n\nChannel 0: moving that now whilst the portfolio has been a bit of a dip could provide a benefit to you. Because when we do rebalance or change investments within your super fund, we are cementing losses and or gains. So we can be utilizing some of the dips the market's seeing some of the losses your portfolio has to offset some of the gains, which can help to reduce the tax consequences of altering the portfolio. So if you're happy for me to go back and just review the other investments there, everything else looks like it's tracking along really, really nicely. Your physical gold in there has definitely been one of your best performance.\n\nPhysical gold has been great returns over the past year. It\n\nChannel 1: Yep.\n\nChannel 0: had did see a bit of a a heavy dip in February, but it has come back quite nicely there. So\n\nChannel 1: Yep.\n\nChannel 0: your portfolio has benefited from that. I do wanna keep your physical gold in there, but just maybe look at rebalancing that if need be to cement some of the gains that have been seen and have them distributed through the other parts of the portfolio.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Another kind of benefit to doing that is when we are cementing some of the gains that some of the investments would have, rebalancing your portfolio makes sure you're not overweighted in certain areas or taking on too much risk in other areas of your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But with capital gains, you sort of don't benefit from those as a whole until they are cemented. They're paper gains until you actually sell the investors to cement those gains.\n\nChannel 1: Yep.\n\nChannel 0: So sometimes when there is a, you know, maybe a loss somewhere else, cementing gains in other areas and having that money distributed across other investments means you're buying into the discounted rate of those other investments that are down, and that can provide a benefit moving forward as your portfolio provides recovery there. So definitely wanna maybe update the portfolio for you. Just look at where you are invested, maybe find some investments that are a bit cheaper for you as well, and\n\nChannel 1: Yep.\n\nChannel 0: see if we can get that portfolio moving out of recovery a little bit more for you. Does that make sense? You have any\n\nChannel 1: Yeah.\n\nChannel 0: questions?\n\nChannel 1: Yeah. Definitely. No. That'll make sense. No issue there.\n\nI think\n\nChannel 0: Yeah.\n\nChannel 1: I think I'm more curious on a on a broader level in terms of, like, the the process you guys go through for the individual picks and and when that gets changed. Like, I know that you've you've technically asked me today to move something, and I'm cool with that.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Is is I imagine you guys would have internal meetings and and in internal actions that you would take anyway because I've I have\n\nChannel 0: Mhmm.\n\nChannel 1: seen some emails come through from the animation company, Hub twenty four, I think, when some changes\n\nChannel 0: Yeah.\n\nChannel 1: have been made and some things bought and some of that footage\n\nChannel 0: Yeah.\n\nChannel 1: So I don't I I don't essentially need to be too involved in that sense in in calls. Like, I I just understand\n\nChannel 0: Yeah.\n\nChannel 1: that you guys have regular meetings, I presume,\n\nChannel 0: Yeah.\n\nChannel 1: every maybe, like, month or or so or a couple of weeks to\n\nChannel 0: Yeah.\n\nChannel 1: to reassess positions and as a whole. Is that is that is that fair to say? Or\n\nChannel 0: Yeah. Absolutely. So the investment committee as a as a whole meet every quarter. When there's\n\nChannel 1: Yep.\n\nChannel 0: something going on the market like what's happening sort of now, they tend to meet on more of a regular basis there.\n\nChannel 1: Yep.\n\nChannel 0: The main reason we haven't been able to move any of these investors now is that when you came on board originally, you were given the statement of advice that noted exactly what you were gonna be invested in within those percentages and where the money was to be allocated to. So we actually can't just change those investments without updating the advice for you.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Right.\n\nChannel 0: if it's something that you would like, we also do have a new investment product, which is called an SMA or a separately managed account. And we've actually had that built alongside utilizing BlackRock's investment team. So BlackRock are one of the world's largest investment firms. They have helped us to build this SMA. We utilize our investment managers, the analysts, and things like that.\n\nAnd the idea is that when you look at your super at the moment, you can see all the the investment allocation and where the funds are located. If you were to maybe swap into this SMA, essentially, when you look at your super, you see the OPUSA and what percentage of the SMAs that you are in and the balance. You actually don't see all the underlying investments like what you see here at the moment.\n\nChannel 1: Yep.\n\nChannel 0: If we were to move you into that, then the benefit of that is that whilst you lose a little bit of visibility of the actual overall investment options that you're in, it does actually allow us a lot more control around maneuvering the investment to say if you were in that and we have been along and it was underperforming, we wouldn't need to update the advice to have that removed. We could just straight up make that change, remove, then along and put something else in its place. You'd probably not even realize that it happened, but your portfolio would just keep kinda sticking along for you. Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments? How do you sort of feel about that?\n\nChannel 1: Yeah. Okay. No. I appreciate that. That's lots of lots of take on\n\nChannel 0: Yeah.\n\nChannel 1: board. I obviously haven't heard of that before. So\n\nChannel 0: Yeah.\n\nChannel 1: I I would say I think just from my perspective, it's just performance at the end of the day. So and, again, I\n\nChannel 0: Yeah.\n\nChannel 1: know it's long term performance. I'm not looking for anything snappy.\n\nChannel 0: Yeah.\n\nChannel 1: So if you think that's a good option, then by all means, I'm happy to explore that.\n\nChannel 0: Yeah.\n\nChannel 1: With that, just just to dumb it down a bit for myself,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: when you say what what does SMA SMA stand for? Sorry. What was that acronym?\n\nChannel 0: Separate separately managed account.\n\nChannel 1: Okay. And does that mean that you would\n\nChannel 0: Yeah.\n\nChannel 1: pass over the the management decisions in some sense to another company, or is it just is this, like, is this an actual investment option? Like, it's just, like,\n\nChannel 0: Yeah.\n\nChannel 1: investing in, like, a company in a sense?\n\nChannel 0: Exact\n\nChannel 1: Or\n\nChannel 0: Yeah. Correct. No. It is it's basically the same as investing in a managed fund, except the managed fund the way it is set up is it's more of an actively managed fund, and we don't hand over the control to BlackRock in any way, shape, or form. They've built it with us.\n\nSo because we're\n\nChannel 1: Yep.\n\nChannel 0: financial advisers, in order for us to in to build an investment option, we need to incorporate investment analysts and investment team members and things like that to make sure that the investors are working correctly and to help us pick and choose. So we basically use them, use our analysts, use our investment team, and use our investment products to help Ultra and make some changes to the portfolio.\n\nChannel 1: Yep. Okay.\n\nChannel 0: It's never decided by them without our team looking at it, so we have\n\nChannel 1: Yep.\n\nChannel 0: essentially the end say in what happens and how it works and what we wanna sort of see happening. They help us to maneuver where maybe their economist see changes coming in the market, what their analysts say the risk levels are within there, where things might need to change due to what's happening in the market generally. So our advised team gets to utilize them to our advantage to make sure that this estimate product is working correctly. It's\n\nChannel 1: Yep.\n\nChannel 0: basically the same as investing in, like, a managed fund or something. So with Bennelong as an example, that's a managed fund, and we invest in the Bennelong product, the managed fund product in your super. But inside Bennelong, you have an investment team who are underlying buying and selling investments, picking where investments might need to be changed, what's happening. They're utilizing essentially the same thing as the BlackRock team to do so, and\n\nChannel 1: Yep.\n\nChannel 0: we're picking that managed funds. By moving into this SMA product, it's essentially our own managed fund, and we utilize the BlackRock team as it's a partnership with them. So they help us to monitor it, look after it, essentially look at what's happening, make changes to it. But at at the end of the day, it's still our product. It's the OPU SMA product.\n\nDoes that make sense?\n\nChannel 1: Yeah. Right. Yeah. Okay. Now a little\n\nChannel 0: Yeah.\n\nChannel 1: bit more. Absolutely. Yeah. Definitely. Is there it\n\nChannel 0: Yeah.\n\nChannel 1: sounds like this might be a bit of a new company venture on that front. Is that correct? Is this the\n\nChannel 0: It\n\nChannel 1: first\n\nChannel 0: is.\n\nChannel 1: year that's\n\nChannel 0: It\n\nChannel 1: been\n\nChannel 0: absolutely\n\nChannel 1: rolling? Yeah. Cool.\n\nChannel 0: is. Yes. So we've only just kind of rolled out, and it has kind of just rolled out in a good timing because of what's happening in the world generally. So it's not\n\nChannel 1: Yep.\n\nChannel 0: something that everybody wants to be in, and it doesn't work for everyone, and that's absolutely okay. What I can do, if you like, is I can go back and have a look at your current portfolio. I can look at what it looks like to maybe just swap a couple of investments out, look at the tax consequences, look at the overall performance of how that might look moving forward. And then I can also look at the estimate product and then sort of work out which one works better for you, what the tax consequences are, what the benefits, advantages, disadvantages might look like, and I\n\nChannel 1: Yep.\n\nChannel 0: can update the advice to reflect which way I think we should go and\n\nChannel 1: Yep.\n\nChannel 0: provide the updated advice for you to review. Does that sound okay? Or\n\nChannel 1: Yeah. Perfect. No. That's definitely something I'd be curious\n\nChannel 0: Yeah.\n\nChannel 1: to see. Whatever information you have or even if you have any I'm not sure what you would call them, like, brochures in the sense of of\n\nChannel 0: Yep.\n\nChannel 1: this new partnership, then, yeah, I'm more than happy to have a look at it. That'd be good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's it's what what just roughly, what what percentage again, it's gonna be case by case, you're gonna have to have a look at my actual portfolio. But\n\nChannel 0: Yeah.\n\nChannel 1: would it be a certain percentage, or would it be maybe you'd look at the underperforming ones in my current portfolio, say they make up about 10% or 20% of the total investments? Would you then would you consider just taking those out and putting that 10% or 20% towards it or are you looking for more or less or what how that sort of gets split up?\n\nChannel 0: Yeah. Normally, when I'm still looking at this, I'll I'll either put you wholly into the SMA product or not at all.\n\nChannel 1: Okay.\n\nChannel 0: Just moving a small percentage into the SMA kind of doubles up on a lot of the investments because some of the investments you have here currently are still in the SMA product. So\n\nChannel 1: Just\n\nChannel 0: I would\n\nChannel 1: to\n\nChannel 0: sort\n\nChannel 1: be clear\n\nChannel 0: of wanna\n\nChannel 1: with the BlackRock\n\nChannel 0: move you\n\nChannel 1: one. Is that right? Sorry.\n\nChannel 0: so yeah. Yeah. Yeah.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yeah. So some of these investments are in that product because they are doing really well, and they are worth keeping. If\n\nChannel 1: Right.\n\nChannel 0: we were to move you wholly into that product, any of the investments that are currently in your portfolio that may exist in the SMA product, tend to be in CC transferred over. So it works in a much more of a tax effective way. But\n\nChannel 1: Yep.\n\nChannel 0: as I said, I can look at working out whether the SMA is gonna work for you, whether it's gonna be cost effective. I also consider tax consequences on your super fund and things like that. And or I can maybe just also look at whether we just move the underperforming investment fee and just do a couple of things, like a little bit of a switch here and keep the portfolio basically intact.\n\nChannel 1: Okay.\n\nChannel 0: I can look at both options, run the numbers, run the math, and see what it looks like. If you wanted to, at the end of the call, I do also have, like, the product disclosure statement, which essentially outlines a bit more detail around the estimate and the product. And they can even send you, you know, the last, change report that we got as well, which sort of gives you a bit of an idea as to what is currently kind of invested in the in the SMA there, and the PDF document for you to run your eyes over, have a bit of a look at. And that kind of explains a lot around the partnership and the SMA and the product itself. Does that make sense?\n\nChannel 1: Yeah. Definitely. That would be good to say. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Yeah. Beautiful. I'll email those to you after the call, so you're welcome to have a bit of a look at it. If you want, you can then let me know whether you wanted to go ahead and look at the SMA product or whether you just want me to make some alterations here.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: have been looking at the different options for investments with your current with your current portfolio. I've got a couple of options to sorta consider there. I just need to sit down and do the math and work out the CGT consequences and how that might look for you and just\n\nChannel 1: Yep.\n\nChannel 0: double check all the the past projections and things like that to make sure it's all gonna work. But we've got a couple of options here that we're able to swap out for you in your current in your current investment portfolio as well to make it easier. So I'm happy to do all the math and look at both\n\nChannel 1: Yep.\n\nChannel 0: ways for you if you're comfortable\n\nChannel 1: Yep.\n\nChannel 0: with that.\n\nChannel 1: Yeah. Perfect. Please do. That'd be good to see.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: Is that is that what's the rough turnaround on on all your workings, like, a week or two or how long?\n\nChannel 0: I can about two weeks normally.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Is that okay?\n\nChannel 1: Yeah. No. That's fine. That's fine. That's no\n\nChannel 0: Yep.\n\nChannel 1: dramas. Obviously, it's a long term thing. I appreciate that. I know it's crazy at the moment.\n\nChannel 0: Yeah. No.\n\nChannel 1: So\n\nChannel 0: It's\n\nChannel 1: yeah.\n\nChannel 0: honestly\n\nChannel 1: No. That's fine.\n\nChannel 0: fine. Yeah. No. Not a problem at all. Well, even at the end of the call, if you like, I can rebook in a time for you to go through the the advice with me in about two weeks so we have that time logged in, and I'll make sure everything's ready to go for them for you.\n\nOkay?\n\nChannel 1: Yeah. Yep. Cool.\n\nChannel 0: Yep.\n\nChannel 1: No. That sounds good. I think I did just wanna\n\nChannel 0: Beautiful.\n\nChannel 1: ask as well, just maybe even just like\n\nChannel 0: Yeah.\n\nChannel 1: a as a general comment from yourself or or from your\n\nChannel 0: Yeah.\n\nChannel 1: team. Yeah. What sort of markets and or even specific companies or so on you're sort of looking at or industries you're sort of looking at into the future? What were do you have do you have my portfolio there and what markets I'm in mostly at the moment or or\n\nChannel 0: Yeah.\n\nChannel 1: could you comment on that?\n\nChannel 0: Yeah. Absolutely. So with the ban along Australian equities one, as I mentioned, we wanna get rid of that, but we wanna keep exposure to the Australian equities. Australian equities are still doing quite well while we whilst we are sort of seeing that dip, it's still a good place to be. Making\n\nChannel 1: Yep.\n\nChannel 0: sure we diversified in international equities, and there's a lot around The US at the moment with what's happening with Donald Trump and Iran. But there is still a space to be into the S and P 500. I do wanna kinda make sure we keep that in your portfolio. You do have access to that. It does still see long term really good growth.\n\nAnd a lot\n\nChannel 1: Yep.\n\nChannel 0: of what we see in the market, the Australian equities tend to follow suit with The US equities. If you wake up and you've heard Donald Trump tweeted something and The US markets are taking a bit of a dip, you do tend to find we follow suit as well. So\n\nChannel 1: Yep.\n\nChannel 0: we do wanna keep that exposure heavily there. Realistically, global health care is still a place to kind of make sure we maintain and stay in, and European markets are still really good to sort of make sure we're staying into as well. We kinda diversify not just by one or two companies in Europe. We tend to diversify by looking at all of them\n\nChannel 1: Yep.\n\nChannel 0: because some European companies follow\n\nChannel 1: Yep.\n\nChannel 0: suit with, say, Australia and US ex market equity markets, but others don't. And it's also encompassing not just\n\nChannel 1: Yep.\n\nChannel 0: existing markets, but also up and coming markets as well. Japan is one that has tend to travel or has tend to move not so much in unison with Australian and US markets. We sort of saw last year there was some ups and downs with what's happening back then with companies, and it's waiting at the time that was around March. And we sort of noted then that Japan wasn't moving in the same sort of direction. And, again, this year, it's kind of had that same effect.\n\nSo I've kind of\n\nChannel 1: Yep.\n\nChannel 0: watched US and Australian equity markets take a little bit more of a dip. You know, UK markets have sort of followed suit with that one, but then Japan's also got, you know, a lot of extra fuel set aside for their for their for their country. They use a lot of gas as well. So LNG is something we export a lot to Japan. They tend to use a lot more than we do there, and\n\nChannel 1: Yep.\n\nChannel 0: their investment markets haven't sort of fluctuated as greatly as ours have, and they kind of moved in the opposite direction to ours. So when our markets The US market seem to be down, Japan seems to be doing quite well. In saying that, there's there are times when the markets all kinda drop in unison. We kind of kinda avoid that at all, but this is sort of what we're seeing at the moment. And I make a point of\n\nChannel 1: Yep.\n\nChannel 0: looking at these sort of things every day because, like you, I invest in my super, but I also\n\nChannel 1: Yep.\n\nChannel 0: have investments in my own name as well. So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions.\n\nChannel 1: Yep.\n\nChannel 0: Other areas, cybersecurity is down a little bit at the moment, has had a little bit of a pullback with what's being happening globally. Tech stocks, again, have also had a bit of a dip, But they are still really good investments to have in your portfolio. Your cybersecurity is down a little bit for this year, but it's still a good in investment to have. So we're just sort of noting it as a bit of a dip. Don't wanna remove that.\n\nThere's no real reason for it to having underperformed like you've been along Australian equities investment.\n\nChannel 1: Yep.\n\nChannel 0: It's the cybersecurity is down as a whole because of what's happening with tech stocks and what's happening as a whole globally, and\n\nChannel 1: Yep.\n\nChannel 0: we do see it coming back, which is really important. Other than that, another good place to sorta make sure we have exposure is your precious metals, like gold and silver and things like that. They are growth investments, but they do have a tendency to also work defensively, which is really important as well. So gold has done really well for the past several years. It has a pretty heavy dip in February, but it only lasts a short period of time.\n\nAnd even\n\nChannel 1: Yes.\n\nChannel 0: with what we're going through at the moment, gold hasn't done too badly at all.\n\nChannel 1: Yep.\n\nChannel 0: Having gold and silver in your portfolio and I could always look at adding a little bit of silver in there if it's gonna provide a bit more of a, you know, a bit more defensive nature for you as well. But having gold in your portfolio, especially as as a growth asset, we all like it. It does grow in value over the longer term, but it can act defensively. So when you kinda think back to the GFC or even, say, 2020, when markets equity markets are performing as well, people tend to move money into gold as a bit of a safe haven. So it acts defensively\n\nChannel 1: Yep.\n\nChannel 0: in those in those times as well, and silver can\n\nChannel 1: Yep.\n\nChannel 0: do the same thing. You don't have any silver in your portfolio. Currently, I'm happy to look at maybe adding a little bit. It has been sort of an area that a lot of my clients have asked me to look at in recent months. So I can definitely look at other metals and see if there's a way to maybe split the exposure so you're not overexposed to growth investments, but you still have bit of defensive investments in nature there.\n\nDefensive investments have taken a little bit of a hit recently, so things like bonds as well because here in Australia with what's happening globally here in Australia, we still have a good jobs market, and inflation has been a little bit too high as well. And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that. We don't normally throughout history don't normally sort of see equity markets and bond markets and fixed interest markets all kinda dipping at the same time. But there are times when, say, inflationary pressures are kind of following a a kinda higher, as well as everything happening globally, which is what we're seeing at the moment. But, we're just kinda hopeful that, you know, in the next few months that that, you know, inflation can come under a bit more control.\n\nWe do know that the jobs market has sort of decreased a little bit slightly. We're just sort of waiting to see what happens with the next RBA meeting and where we go from there and, obviously, what comes out when the government does the next comes out with their budget for the next year. So there's\n\nChannel 1: Yep.\n\nChannel 0: a few things going on there, but, realistically, none of these areas are bad. They're just all seeing a little bit of volatile time at the moment, and they're also really good to have to still be invested in. This is about taking advantage of the downtimes and investing in when you've got that chance to into the discounted investment rate. Does\n\nChannel 1: Yep.\n\nChannel 0: that all\n\nChannel 1: Yep.\n\nChannel 0: make sense? Do you have questions about any of that?\n\nChannel 1: Yeah. Definitely. No. That's fine. I was just more curious\n\nChannel 0: Yeah.\n\nChannel 1: on from a broader scale on\n\nChannel 0: Yeah.\n\nChannel 1: where it's sort of situated and what you guys are thinking about. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. I'm\n\nChannel 0: Absolutely.\n\nChannel 1: I'm not I'm not too much in in the in the field of trying to stipulate or tell you I wanna be in this or that. I'm happy as you know, obviously, you\n\nChannel 0: Yeah.\n\nChannel 1: have your\n\nChannel 0: Yeah.\n\nChannel 1: a company wide direction on on one of the best picks are. So I'm happy that that's\n\nChannel 0: Yeah.\n\nChannel 1: if that's reviewed and that's what's been put\n\nChannel 0: Yeah.\n\nChannel 1: forward to my portfolio, then I'm happy to just ride that wave. So\n\nChannel 0: Beautiful.\n\nChannel 1: no concern there.\n\nChannel 0: Excellent. All good. Did you want me to kinda break anything down further, or did you have any other questions in relation to that, or have I answered everything for the moment? Or how's\n\nChannel 1: Yeah. No. That's fine. No. No.\n\nChannel 0: Yeah.\n\nChannel 1: No main problem. I know it's been a bit of a bit of a funny thinking, and there's also a a bit of a unique service. You know, it's not a service you can\n\nChannel 0: Yeah.\n\nChannel 1: give much of feedback on in in, you know, six or twelve months.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: no.\n\nChannel 0: okay.\n\nChannel 1: That's fine. Yeah. I'm definitely keen to look at the the the new advice and the reposition and also the other the other service as well when you got some time.\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: And, yeah, we can go from there.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Perfect. Well, that's basically giving you an update there.\n\nAnd now having a look, I'll give you an update of your balance at the moment as well. So do you look at your hub 24 very often?\n\nChannel 1: No. Not really. I think I think\n\nChannel 0: Yeah.\n\nChannel 1: only just recently in the past couple of months signed into it and got set up so I can actually access it and see it. I didn't really see\n\nChannel 0: Yep.\n\nChannel 1: too much information on there. Like, obviously, I do have, I think, a breakdown on on the companies and the positions. I didn't I didn't really see much in the way of charts or or or detailed information. I don't know if maybe I'm looking on the wrong page, but, yeah, I did get onto that one and have a good look the the other week.\n\nChannel 0: Yeah. No. Perfect. Well, your balance at the moment as of yesterday's date, which is the last update here, was 49,197. I can send through a copy of a couple of like, when I send the interview docs through, I'll send through a copy of showing your balance, but I can also send through a couple of portfolio reports for you to have a look at as well to run your eyes over to give you a bit of a view of what's happening as well.\n\nOkay.\n\nChannel 1: Yep. Yeah. For sure.\n\nChannel 0: Yeah.\n\nChannel 1: No dramas. Is that is that report just taken from Hub twenty four that I'd be able to\n\nChannel 0: Yeah.\n\nChannel 1: get access to myself? Or\n\nChannel 0: Yeah. Yeah. You should do. When you log in, you should have just a section where it's got account reporting. If you've got that section that you can kinda click on and go in and sort of see all the different reports that can be provided.\n\nWorst case, once we have sent this email to you after the call, you've my direct email. You can always email me back, and I can send you regular reports on a regular basis as well just so you can kinda keep seeing where things are going if you like.\n\nChannel 1: Oh, okay. Yeah. Sure. No. I won't trouble you that much, but by all means,\n\nChannel 0: That's\n\nChannel 1: it's good\n\nChannel 0: alright.\n\nChannel 1: to know that I can reach out to you and go from there. I think I think because I I I can't recall. I think I might have switched people, but but would you be my designated\n\nChannel 0: Yeah. Yep.\n\nChannel 1: account manager in a sense at the moment and moving forward indefinitely? Is that fair\n\nChannel 0: Absolutely.\n\nChannel 1: to say?\n\nChannel 0: Yeah. So we\n\nChannel 1: Yeah.\n\nChannel 0: have just\n\nChannel 1: Cool.\n\nChannel 0: had a little bit of a restructure around the business instead of up. So I've added you through to my book. If at any point you decide you're no longer comfortable with me as your adviser, just let me know. It's not an issue in any way, shape,\n\nChannel 1: That's\n\nChannel 0: or form.\n\nChannel 1: fine. Yeah. That's\n\nChannel 0: But,\n\nChannel 1: all\n\nChannel 0: yeah,\n\nChannel 1: good.\n\nChannel 0: moving forward, I'll be the one that looks after you, does the advice, looks\n\nChannel 1: Yep.\n\nChannel 0: after the portfolio, and things like that. So you're attached to my book. You'll put it to myself, and my admin, Michelle, will be the one that gives you a call regularly to kinda keep things a bit more streamlined for you. Okay?\n\nChannel 1: Yep. Yeah. For sure. No dramas. I think the only other thing I was gonna ask today, which is, Anurag, because I know you guys are providing essentially, I signed up for super management.\n\nThat was the main\n\nChannel 0: Yeah.\n\nChannel 1: point\n\nChannel 0: Yeah.\n\nChannel 1: of call, which I'm happy with. But, obviously, you guys are a pretty large financial service company. Am am I fine too? And it's obviously included in the service of managing my super that you guys issue advice for other areas of my life in terms of, like,\n\nChannel 0: Yep.\n\nChannel 1: personal investments or or or debts\n\nChannel 0: Yep.\n\nChannel 1: or anything like that? Is that fair to say?\n\nChannel 0: That's absolutely correct. So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments. If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well.\n\nChannel 1: Yep.\n\nChannel 0: If it's more looking at mortgage side of things, we don't have a credit license, so we do refer you through to a mortgage broker for mortgage assistance. But we can provide advice around helping you to pay your debts down quicker, cash flow and budgeting, personal investment areas. We\n\nChannel 1: Yep.\n\nChannel 0: do start with the super funds in in as well as insurances and other areas and things here. So I can I'll also send you a copy of the financial services guide. And in\n\nChannel 1: Yep.\n\nChannel 0: the financial services guide, it outlines all the areas that you can seek advice on with regard to us and what we are\n\nChannel 1: Yep.\n\nChannel 0: licensed to provide advice on in all those areas. So it can give you a bit of clarity as well. But as being an ongoing client, you're entitled to advice in other areas. We currently don't charge anything for additional advice. It's all part of the\n\nChannel 1: Yep.\n\nChannel 0: services that we provide. So you're more than welcome to ask me for any assistance you need. If\n\nChannel 1: Yep.\n\nChannel 0: I can't provide it, if it's outside of my scope, then I'll find out who can and help and make sure if they're you on stem. Okay?\n\nChannel 1: Yeah. Perfect. Awesome. No no dramas at the moment. I\n\nChannel 0: Excellent.\n\nChannel 1: think it's more just curiosity in that sense.\n\nChannel 0: Yeah. That's\n\nChannel 1: But,\n\nChannel 0: fine.\n\nChannel 1: yeah, no. My situation is fine, so no issues\n\nChannel 0: Perfect.\n\nChannel 1: at the moment.\n\nChannel 0: Absolutely. I do a lot of cash on budgeting advice and debt reductions and things like that here. So if there's\n\nChannel 1: Okay.\n\nChannel 0: ever any questions you have, even if it's just general information or things like that or you need some tools, let me know. I'm more than happy to go out there and do the extra work and provide you with as much information as possible. Okay?\n\nChannel 1: Awesome. Yeah. No. That all sounds pretty good.\n\nChannel 0: Amazing. Beautiful. Fantastic. I just wanted to go through and update any of your circumstances as well. Just double checking with regards to your work.\n\nAre you still working as a civil estimator? Has there been any changes to your your job or your role?\n\nChannel 1: No. Same position.\n\nChannel 0: The same position? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Income wise, have you had an increase in income at all? A bit of a pay rise there?\n\nChannel 1: I don't think in the past ten months. I think it's\n\nChannel 0: No.\n\nChannel 1: still is it still $1.20 gross salary? Is that\n\nChannel 0: I\n\nChannel 1: correct?\n\nChannel 0: gross I had here yes. So when we did your insurance application, there was a bit of a change in your income at the time, and\n\nChannel 1: Yep.\n\nChannel 0: it went up\n\nChannel 1: That's\n\nChannel 0: to about\n\nChannel 1: alright.\n\nChannel 0: 120. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Cool. Sweet.\n\nChannel 0: Just having a quick look at your certificate of currency as well just to make sure that that's sort of all in line because with insurance wise, you've got your income protection policy through Wang and Path there, and that's paid out of super. I'm just making sure. So you're on about a 120,000 at the moment, and that means your sum insured monthly benefit and that insurable's about 7,000. So your income protection is still in line with your income, which is fantastic. And if you do happen to get any additional pay rises and you wanna kinda look at altering that, just let\n\nChannel 1: Yep.\n\nChannel 0: me know, and we can have that conversation and look at what that might look like for\n\nChannel 1: Yep.\n\nChannel 0: you. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. With your income protection policy there, it does have a ninety day waiting period. It just means that if you're off work for any particular time, let us know as soon as you're off for an injury or illness. We'll kind of help you to monitor that time frame.\n\nChannel 1: Yep.\n\nChannel 0: But since that ninety days hit, then you can claim on the income protection. We get the documents back to the insurer nice and quickly, and they tend to assess and make the first payment within the next sort of thirty days.\n\nChannel 1: Yeah.\n\nChannel 0: And you've\n\nChannel 1: Well,\n\nChannel 0: got\n\nChannel 1: okay.\n\nChannel 0: an age 65 benefit period, so that means that if you're off work, you can be off work up into the age of 65. So we'd\n\nChannel 1: Yeah. Right.\n\nChannel 0: hope nothing happens. It's always the worst thing with insurance is you're paying the premiums hoping you never have to claim.\n\nChannel 1: Yep.\n\nChannel 0: But it is it is good to know that if anything did happen, you can essentially receive the income protection policy or the monthly benefit after tax up until the age of 65. So you don't have to touch your super until that point if anything was to occur. Okay.\n\nChannel 1: Yep. Perfect. Awesome.\n\nChannel 0: Beautiful. The current premium for this one is $792.76. As you get older and closer to retirement age, as you get older, the risk of you making a claim increases. So these insurance policies do get more expensive over time. So each year it goes through renewal, which is around about June this year.\n\nYou'll see the renewal will come out. The price will have gone up just slightly. We'll make sure every year we're doing reviews and checking those to make sure they're not costing you heat. Because\n\nChannel 1: Yes.\n\nChannel 0: as you get kind of into your forties and fifties insurance things, especially income protection become very expensive and can be detrimental to your super. So we'll\n\nChannel 1: Yep.\n\nChannel 0: just make sure we're make confirming that the amount you're covered for is in line with what you're able to claim, but then also making sure that we're not eating too much away of your super. Because at the end of the day, you wanna retire and have super debt to cover your living expenses in retirement. So\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Perfect.\n\nChannel 0: Okay. Beautiful. I'll make sure there's a certificate of currency attached to your annual review docs when I send those out for you as well\n\nChannel 1: Yep.\n\nChannel 0: just so you've got that to run your eyes over. And, again, let me know if you do happen to have any questions there at all. Okay.\n\nChannel 1: Awesome. Yeah.\n\nChannel 0: Excellent. So I've got income here about 100 and\n\nChannel 1: No.\n\nChannel 0: 20,000 at the moment. Are you expecting to get a bit of a pay rise in the new financial\n\nChannel 1: It\n\nChannel 0: year, or do you have any kind of review coming up for work where you might get a pay rise?\n\nChannel 1: sounds good. No. I'd say probably\n\nChannel 0: No.\n\nChannel 1: not. I think I've already I've already\n\nChannel 0: Yeah.\n\nChannel 1: had I think I've already had three rises in the past three years, and I think the position\n\nChannel 0: Yep.\n\nChannel 1: at the moment is as, like, the top of the department. So I don't I don't really see much in in the way of that. Maybe if it was a a role change, but I don't wanna leave the company for\n\nChannel 0: Yeah.\n\nChannel 1: the rest of the\n\nChannel 0: No.\n\nChannel 1: year. So I think everything's pretty fine as it is at the moment.\n\nChannel 0: Yep. Beautiful. Beautiful. And with the assets and liabilities, I had down here your savings account. I know you probably with purchasing the property, your savings might have changed pretty significantly, but how much do you have in savings at the moment?\n\nChannel 1: It's a bit of a funny one. I think hard to say. Hey. I think maybe 20 flat is in savings.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: But I think I've I think it's because I've put down the the deposit for the house and then overpaid the mortgage. So I think there's there are some funds there in\n\nChannel 0: Yep.\n\nChannel 1: to redraw if needed, but, yeah, technically, 20 at the moment.\n\nChannel 0: Yep. That's okay. Perfect. Excellent. And I've also got in here we had a motorcycle.\n\nYou were planning to sell that. Have you still got your motorcycle?\n\nChannel 1: It's still unfortunately in the garage. I've just I've just serviced it last weekend, and\n\nChannel 0: Yep.\n\nChannel 1: I'm gonna I'm gonna clean it so I figured it out for sale maybe this weekend. So\n\nChannel 0: Yeah. Nice. How much are you planning to sell it for?\n\nChannel 1: I think maybe 15 is is pretty fair for it.\n\nChannel 0: About 15. Yeah. Beautiful. Fantastic. And then I also had contents down here.\n\nWhat do you do you now have contents insurance now that you've purchased your property?\n\nChannel 1: Yeah. Correct. So I've got home and contents. It's I think I bumped up the the total I think I bumped up the total amount of I'm not too sure what the figure would be. If she's sort of asking for a rough contents value on the house, but I'd\n\nChannel 0: Yeah.\n\nChannel 1: say maybe and brand like, brand new value, maybe 30. It's it's\n\nChannel 0: Yep.\n\nChannel 1: kind of hard to say. Like, there's a lot of tools and secondhand things I've purchased in electronics, which aren't\n\nChannel 0: Yep.\n\nChannel 1: yeah. Which I haven't bought a full valuable and secondhand and that sort of thing. So it'd be hard to comment on. But, yeah,\n\nChannel 0: That's\n\nChannel 1: maybe 30\n\nChannel 0: okay.\n\nChannel 1: 30\n\nChannel 0: It's\n\nChannel 1: new.\n\nChannel 0: a difficult one, isn't it?\n\nChannel 1: Yeah. I just hate it too\n\nChannel 0: That's\n\nChannel 1: because I know that I was like I've spent so much time shopping on marketplace and getting deals and all that sort of thing. I've got secondhand everything, secondhand TV. But I think if I had to make a claim, they would they would view it as like, oh, well, the TV's worth $2, not $500. So that the $2 comes off the 30 k. So I was a bit worried about capping it out even though nothing's really worth.\n\nChannel 0: Yes.\n\nChannel 1: They're\n\nChannel 0: Yes.\n\nChannel 1: they're brand new rates, but, yeah, maybe just 30 is a safe number.\n\nChannel 0: Yep. That's perfect. Fantastic. That's all I had noted down here for assets. Is there any other assets you'd note down, any other shares or collections or anything else of value that you'd wanna sort of note?\n\nChannel 1: No. That's fine. It's just a car, bike, cash. I mean, the money in the mortgage is just, like, written off in my head anyway, and then\n\nChannel 0: Yep.\n\nChannel 1: home assets. I think that's pretty much everything. I don't have any other investment accounts. I think everything else has been sort of pulled and will be\n\nChannel 0: Yeah.\n\nChannel 1: pulled to my debt for\n\nChannel 0: Okay.\n\nChannel 1: the house. Yeah. Which is something, I think, which is something that I might touch on with you down the road\n\nChannel 0: Yep.\n\nChannel 1: in terms of the the the benefits of paying that off for instead of, you know, putting it towards personal investments. But\n\nChannel 0: Yep.\n\nChannel 1: that's a\n\nChannel 0: Absolutely.\n\nChannel 1: that's a later chat, but I think that that covers everything.\n\nChannel 0: Yeah. No. Definitely. When you are ready, let me know. We can definitely have that conversation.\n\nI can always do research around what personal investments might look like versus paying your mortgage down and sorta weigh out the benefit and provide the advice that way. But, yeah, we can\n\nChannel 1: Yep.\n\nChannel 0: absolutely do that for you. Not a\n\nChannel 1: Awesome.\n\nChannel 0: problem at all. With your car, what's the value would you put on the car now? Do you think?\n\nChannel 1: Cool. Definitely dropped quite a bit. Maybe just go it'd be more than 15. I wanna say between 20. Maybe just go 17, I think,\n\nChannel 0: 70.\n\nChannel 1: or 18.\n\nChannel 0: Beautiful. And with the value on the house, what's the value we'd put on the property now?\n\nChannel 1: Like, the purchase price or, like, the the theproperty.com, like, average, like, expected sale price now?\n\nChannel 0: Yeah. So we kind of go on what would it be to you. So if you had to sell the property tomorrow, what would you want for it? What value is it to you?\n\nChannel 1: Oh, maybe 900.\n\nChannel 0: Yep. Beautiful. And what's the loan owing on that one at the moment? If you the property\n\nChannel 1: 5\n\nChannel 0: is fine.\n\nChannel 1: I wanna say $5.60.\n\nChannel 0: Yeah. Beautiful. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Well, that's everything I've got noted there at the moment. I also do like to sort of touch on just with the estate planning side of things. So now that you do have your property, have you spoken to a solicitor or had a will and power of attorney drawn up or anything like that?\n\nChannel 1: No. I haven't actually. That is that is good to know. I think I remembered going through that debacle with you guys last year. I think\n\nChannel 0: Yep.\n\nChannel 1: I I I think when the my super happened to that. I think when you got me to sign up with the new super company oh, sorry. Not\n\nChannel 0: Mhmm.\n\nChannel 1: the new super company. The\n\nChannel 0: Yep.\n\nChannel 1: the health insurance company I resigned for its standard will on the pass over of all that, but I haven't actually done a a personal one with a lawyer or anything like that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. It's definitely something I'm looking at or considering at least.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: It\n\nChannel 1: don't know\n\nChannel 0: is\n\nChannel 1: if you guys\n\nChannel 0: definitely\n\nChannel 1: might recommend someone to\n\nChannel 0: yeah.\n\nChannel 1: go through for that. Or\n\nChannel 0: Absolutely. Well, if you like, what I can do is as part of the email, I can send through some information on a local solicitor that we can refer you through to. It's\n\nChannel 1: yep.\n\nChannel 0: not a referral list such at the moment. Just some information on them and a bit of a price list to show you what they charge for doing wills and power of attorney and just a bit of information around trust and things like that for you just\n\nChannel 1: Yep.\n\nChannel 0: to kinda start the conversation, give you some reading material to look at. And then if you did wanna kinda refer through, you're welcome to either contact them, or you can let us know. We can refer you through to them.\n\nChannel 1: Yep.\n\nChannel 0: The wills with the solicitor are they do they do charge you for that separately. It's not kinda through us in any way. But I always think it's more of an investment in yourself. You've worked really hard. You've now got your house and everything.\n\nSo you wanna make sure protecting those assets and having them directed to where you want them to go in the event that something was to happen to you.\n\nChannel 1: Yep.\n\nChannel 0: Because the alternative is probate, which can be a very long process, can be costly to the estate, and can often end up with, you know, the outcome being the funds or the assets are paid to someone that you don't want them to go through to. So\n\nChannel 1: Yep.\n\nChannel 0: it's definitely more of an investment in yourself there, which is really important. But I can start by sending the email through. You're welcome to ask me any questions that you have as well, and we can start there for you if you like. Does that sound okay?\n\nChannel 1: Yeah. Yes, please. That sounds good.\n\nChannel 0: Yep. Beautiful. With your super, your beneficiary is your legal personal representative. So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be. But you're happy with your your LPR legal personal representative being your beneficiary currently?\n\nChannel 1: Yeah. Yeah. Happy happy there. I think it's\n\nChannel 0: Yeah.\n\nChannel 1: I don't think I've actually circulated anyone, so it's just gonna be whatever the state designates. I believe that's probably gonna go to\n\nChannel 0: Yep.\n\nChannel 1: a family member, I presume.\n\nChannel 0: Yeah. Perfect. Excellent. All good. And so that's the estate planning side of things.\n\nHealth wise, is everything okay? Health wise, you haven't had any changes to your health in the last twelve months from when we sort of caught up last year?\n\nChannel 1: No. No change at\n\nChannel 0: No. Beautiful. That's what we wanna hear. That's fantastic. And the other\n\nChannel 1: all.\n\nChannel 0: thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment. So I'm just having a quick look here at your portfolio. I believe you're in yep. High growth. Perfect.\n\nSo generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets. But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there. A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns. You're averaging or hoping to get about eight to 10% on a yearly basis. So anything under 8% is seen as underperformance, and anything over that 10% is fantastic.\n\nA high growth investor generally sees a likelihood of a negative return expected about one in every sort of five years. Do you feel like that is fairly comfortable for yourself? Did you wanna look at maybe altering or, you know, reassessing the risk profile for yourself at the moment, or what are your thoughts with that?\n\nChannel 1: No. Happy to stay there. I know\n\nChannel 0: Yep.\n\nChannel 1: things are pretty crazy at the moment, but it's obviously time\n\nChannel 0: Yeah.\n\nChannel 1: is the the the best factor. And, also,\n\nChannel 0: Absolutely.\n\nChannel 1: you have some opportunities there too. So, yeah, happy to stay in that.\n\nChannel 0: Yep. Yeah. Beautiful. Realistically, with where you are, your agency is your high growth portfolio is generally where we'd sort of see you for now as you get closer and closer to accessing super a long way down the track because you're still so young. Essentially, when you get closer to retirement, it will start to sort of pull back on that risk level a little bit because when you get to those retirement years, you want more income reducing investments, lower fluctuations to be able to, you know, steady out your super.\n\nBut for now, taking advantage of those ups and downs and, you know, really taking advantage of the market volatility is a good thing. So I'm happy\n\nChannel 1: Yep.\n\nChannel 0: to keep you in that portfolio. Every couple of years, we'll try to do a bit more of a risk profile questionnaire. But for now, I'm pretty comfortable with you where you're at as long as you are. And if you ever feel you're not comfortable in that, just because we sort of suggest, you know, being younger, you can take more risk in the market. If at any point you're not comfortable taking risk or you feel like you wanted to pull back, let me know.\n\nWe can always have that conversation. We can always reduce or look at your risk profile at any point in time. It doesn't have to be at review time. And we\n\nChannel 1: Yep.\n\nChannel 0: can do regular catch ups throughout the year as well. I know you know you've gone through that initial implementation stage. Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months? How would you like me to kind of move forward for you?\n\nChannel 1: No. That's fine. I'd probably say just every six months at this stage is fine.\n\nChannel 0: Six months. Yep.\n\nChannel 1: Yeah. I think that's fine.\n\nChannel 0: Beautiful. Not a problem at all. And if that ever changes, you let me know. I'm more than happy to update that for you there as well, Andrew. Okay.\n\nBeautiful. That's basically everything I did need to go through. The only other thing I will attach to your and your review documents is the ongoing service agreement. So you are aware as an ongoing client, we want we do charge a a fee for our services. It is 1.65% per annum.\n\nChannel 1: Yep.\n\nChannel 0: That is the per annum amount is a percentage based fee, so it does fluctuate and is linked to performance of your super. So our ongoing service fee is deducted in smaller monthly increments, and it essentially fluctuates the market. So as a percentage of what's happening with your super, when the market is higher, it does mean that our fee is gonna be a little bit higher as well. But when the market takes a bit of a dip due to external factors, our fee takes a bit of a dip with it as well. So\n\nChannel 1: Yep.\n\nChannel 0: that is one benefit to having that sort of fee structure. And as I\n\nChannel 1: Yep.\n\nChannel 0: mentioned, there's an ongoing client paying the ongoing service fee. We're monitoring, looking after your super, but you're also entitled to other services, other advice, and I'll do catch ups with you and see how things going. And you'll have my email as well, so you're more than welcome to email me or let me know when you need anything additional, and I'll make time to sort of make sure I'm there to help and support you moving forward as well. Okay?\n\nChannel 1: Yep. Perfect. Thank you.\n\nChannel 0: All good. Did you have any questions? I know I asked you everything under the sun. Did you have any other questions or anything else you wanted me to touch on for the moment at all?\n\nChannel 1: No. That's fine. I think I think the trust is there. I was more just curious in a general sense what\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: where it's at and and what the plans were. So, yeah, happy\n\nChannel 0: Beautiful.\n\nChannel 1: to see those recommendations and go from there. But apart from\n\nChannel 0: Beautiful.\n\nChannel 1: that, I'd probably only just reach out for\n\nChannel 0: Absolutely.\n\nChannel 1: curiosity or if I wanna pick your brain on on a particular, like, personal piece of advice. But apart from that, all good for now?\n\nChannel 0: Absolutely. Not a problem at all. Well, I'll get that email out to you there with PDF documents. There's a couple of things around the SMA for you, and also the details for the solicitor, and I'll get you any review documents popped together and sent out in a separate email for you to\n\nChannel 1: Yep.\n\nChannel 0: review, have a look at, and just assign a return back for me when you are ready to as well. Okay?\n\nChannel 1: Perfect. Sounds good. Will do.\n\nChannel 0: Thank you so much for your time, Andrew. I really appreciate it. I hope you have a lovely afternoon.\n\nChannel 1: Yep. No. Will do. Thanks again for your time, and we'll chat soon.\n\nChannel 0: No worries. Talk soon. See you later.\n\nChannel 1: Thanks, Dana. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.08,"sentiment":"neutral","sentiment_score":0.018686294555664062},{"text":"Andrew speaking.","start":2.08,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.0195412440225482}],"sentiment":"neutral","sentiment_score":0.019256260866920154,"channel":1,"num_words":3,"start":1.76,"end":2.8999999},{"sentences":[{"text":"Hi, Andrew.","start":3.52,"end":4.08,"sentiment":"neutral","sentiment_score":0.12085596099495888},{"text":"Rosina from Oakey Financial.","start":4.08,"end":5.52,"sentiment":"neutral","sentiment_score":0.1576046422123909},{"text":"How are you today?","start":5.52,"end":6.5,"sentiment":"neutral","sentiment_score":0.1743726208806038}],"sentiment":"neutral","sentiment_score":0.15696209743618966,"channel":0,"num_words":10,"start":3.52,"end":6.5},{"sentences":[{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.14618030190467834},{"text":"Good day, Sam.","start":7.04,"end":7.68,"sentiment":"positive","sentiment_score":0.35065437356630963},{"text":"How about yourself?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.32206304868062335}],"sentiment":"neutral","sentiment_score":0.3091903669493539,"channel":1,"num_words":7,"start":6.64,"end":8.5},{"sentences":[{"text":"I'm very well.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.49181405703226727},{"text":"Thank you.","start":9.5199995,"end":9.92,"sentiment":"positive","sentiment_score":0.5995327234268188},{"text":"Thanks for asking.","start":9.92,"end":10.8,"sentiment":"positive","sentiment_score":0.5642786820729574},{"text":"I had you booked in to go through your annual reviews this morning.","start":10.8,"end":13.36,"sentiment":"neutral","sentiment_score":0.2176153717132715},{"text":"Is now still a good time there for you?","start":13.36,"end":15.38,"sentiment":"neutral","sentiment_score":0.19456513060463798}],"sentiment":"neutral","sentiment_score":0.2982476557294528,"channel":0,"num_words":30,"start":8.639999,"end":15.38},{"sentences":[{"text":"Yeah.","start":15.525001,"end":15.845,"sentiment":"neutral","sentiment_score":0.08570779860019684},{"text":"That's fine.","start":15.845,"end":16.325,"sentiment":"neutral","sentiment_score":0.11885789036750793},{"text":"No dramas.","start":16.325,"end":17.065,"sentiment":"neutral","sentiment_score":0.04799841344356537}],"sentiment":"neutral","sentiment_score":0.0838840812444687,"channel":1,"num_words":5,"start":15.525001,"end":17.065},{"sentences":[{"text":"Yep.","start":17.244999,"end":17.645,"sentiment":"neutral","sentiment_score":0.1732797622680664},{"text":"Beautiful.","start":17.645,"end":18.145,"sentiment":"positive","sentiment_score":0.4867374300956726},{"text":"Beautiful.","start":18.285,"end":18.785,"sentiment":"positive","sentiment_score":0.4592214226722718},{"text":"Just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.485,"end":23.564999,"sentiment":"neutral","sentiment_score":0.12321644682775844},{"text":"Are you happy to proceed with that?","start":23.564999,"end":25.265,"sentiment":"neutral","sentiment_score":0.12874425309044973}],"sentiment":"neutral","sentiment_score":0.14785031927749515,"channel":0,"num_words":32,"start":17.244999,"end":25.265},{"sentences":[{"text":"Yeah.","start":25.78,"end":25.98,"sentiment":"neutral","sentiment_score":0.09062833338975906},{"text":"That's fine.","start":25.98,"end":26.68,"sentiment":"neutral","sentiment_score":0.1798323392868042}],"sentiment":"neutral","sentiment_score":0.1500976706544558,"channel":1,"num_words":3,"start":25.78,"end":26.68},{"sentences":[{"text":"Fantastic.","start":27.085,"end":27.564999,"sentiment":"positive","sentiment_score":0.5063812136650085},{"text":"And just to do security there with you as well, we are just discussing your personal information.","start":27.564999,"end":31.150002,"sentiment":"neutral","sentiment_score":0.17786936987848842},{"text":"So just need to confirm your full name, date of birth, and address I should have on file.","start":31.150002,"end":34.93,"sentiment":"neutral","sentiment_score":0.10247378051280975}],"sentiment":"neutral","sentiment_score":0.14929690418971908,"channel":0,"num_words":36,"start":27.085,"end":34.93},{"sentences":[{"text":"Yep.","start":35.3,"end":35.8,"sentiment":"neutral","sentiment_score":0.03212680667638779},{"text":"Andrew John Smith, excuse me, 07/1997.","start":36.02,"end":40.52,"sentiment":"neutral","sentiment_score":0.02720423135906458},{"text":"And my new address is Number 34 Croelgate Court, Merrimack, Q L D 4226.","start":40.845,"end":46.785,"sentiment":"neutral","sentiment_score":0.04815056308039597}],"sentiment":"neutral","sentiment_score":0.041402860855062805,"channel":1,"num_words":21,"start":35.3,"end":46.785},{"sentences":[{"text":"Beautiful.","start":47.245,"end":47.745,"sentiment":"neutral","sentiment_score":0.3207387924194336},{"text":"Thank you so much for that.","start":47.805,"end":49.505,"sentiment":"positive","sentiment_score":0.47957031428813934},{"text":"Did you you've just moved.","start":50.364998,"end":52.285,"sentiment":"neutral","sentiment_score":0.20911152064800262},{"text":"That's fantastic.","start":52.285,"end":53.025,"sentiment":"positive","sentiment_score":0.4862353950738907},{"text":"Do you purchase or renting?","start":53.245,"end":54.845,"sentiment":"neutral","sentiment_score":0.098639065772295}],"sentiment":"neutral","sentiment_score":0.3004939158103968,"channel":0,"num_words":19,"start":47.245,"end":54.845},{"sentences":[{"text":"Or","start":54.845,"end":55.345,"sentiment":"neutral","sentiment_score":0.037414029240608215}],"sentiment":"neutral","sentiment_score":0.037414029240608215,"channel":0,"num_words":1,"start":54.845,"end":55.345},{"sentences":[{"text":"Yeah.","start":55.645,"end":55.885,"sentiment":"neutral","sentiment_score":0.05177620053291321},{"text":"Yeah.","start":55.885,"end":56.045,"sentiment":"neutral","sentiment_score":0.05187859386205673},{"text":"Just moved in late 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forward.","start":274.35,"end":281.655,"sentiment":"neutral","sentiment_score":0.006364228272879565},{"text":"Because","start":282.115,"end":282.35498,"sentiment":"neutral","sentiment_score":-0.022108815610408783}],"sentiment":"neutral","sentiment_score":0.00534733384847641,"channel":0,"num_words":28,"start":274.35,"end":282.35498},{"sentences":[{"text":"Okay.","start":282.15,"end":282.65,"sentiment":"neutral","sentiment_score":0.0020778868347406387}],"sentiment":"neutral","sentiment_score":0.0020778868347406387,"channel":1,"num_words":1,"start":282.15,"end":282.65},{"sentences":[{"text":"with what has been kinda going on, I have just sort of reviewed everything.","start":282.35498,"end":285.815,"sentiment":"neutral","sentiment_score":-0.0315681379288435},{"text":"And","start":286.51498,"end":286.675,"sentiment":"neutral","sentiment_score":0.004869747906923294}],"sentiment":"neutral","sentiment_score":-0.02913894553979238,"channel":0,"num_words":15,"start":282.35498,"end":286.675},{"sentences":[{"text":"Yep.","start":286.535,"end":287.035,"sentiment":"neutral","sentiment_score":0.015734367072582245}],"sentiment":"neutral","sentiment_score":0.015734367072582245,"channel":1,"num_words":1,"start":286.535,"end":287.035},{"sentences":[{"text":"I did wanna maybe update some of the investments.","start":286.675,"end":288.85498,"sentiment":"neutral","sentiment_score":0.01393590991695722},{"text":"I have noticed that you've been along Australian equities for this year has been underperforming a little bit.","start":288.91498,"end":294.34,"sentiment":"neutral","sentiment_score":-0.24323841805259386},{"text":"We sort of note that when the market is taking a bit of a dip due to what's happening externally, that's understandable.","start":294.56,"end":300.66,"sentiment":"neutral","sentiment_score":-0.2230587357824499},{"text":"It's all part of the cycle.","start":300.80002,"end":302.18,"sentiment":"neutral","sentiment_score":-0.111631295333306},{"text":"However,","start":302.64,"end":303.04,"sentiment":"neutral","sentiment_score":-0.04351108893752098}],"sentiment":"neutral","sentiment_score":-0.17631177471152373,"channel":0,"num_words":56,"start":286.675,"end":303.04},{"sentences":[{"text":"Yep.","start":302.8,"end":303.3,"sentiment":"neutral","sentiment_score":-0.05435379594564438}],"sentiment":"neutral","sentiment_score":-0.05435379594564438,"channel":1,"num_words":1,"start":302.8,"end":303.3},{"sentences":[{"text":"Ben along have had some underlying issues with some of their investments, so we are taking a a stance now to remove them out of the portfolio and replace them with something a little bit 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more.","start":317.895,"end":328.83,"sentiment":"neutral","sentiment_score":0.18079201951622964}],"sentiment":"neutral","sentiment_score":0.18079201951622964,"channel":0,"num_words":40,"start":317.895,"end":328.83},{"sentences":[{"text":"Yep.","start":329.31998,"end":329.81998,"sentiment":"neutral","sentiment_score":0.06182677671313286}],"sentiment":"neutral","sentiment_score":0.06182677671313286,"channel":1,"num_words":1,"start":329.31998,"end":329.81998},{"sentences":[{"text":"Just because with what's happening with that investment, generally, it's got nothing to do with what's happening in the market.","start":329.77,"end":334.81,"sentiment":"neutral","sentiment_score":-0.25245576836168765},{"text":"It's down for a whole another reason.","start":334.81,"end":336.465,"sentiment":"negative","sentiment_score":-0.41142978412764414},{"text":"Some of the underlying investments haven't really performed or haven't been going the way they would 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that?","start":345.175,"end":346.155,"sentiment":"neutral","sentiment_score":-0.06874196790158749}],"sentiment":"neutral","sentiment_score":-0.06841072497459558,"channel":1,"num_words":13,"start":342.535,"end":346.155},{"sentences":[{"text":"yeah.","start":345.82498,"end":346.225,"sentiment":"neutral","sentiment_score":-0.03778977692127228},{"text":"Ben along a say in 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make sense.","start":504.95502,"end":505.675,"sentiment":"neutral","sentiment_score":-0.007365862114359818},{"text":"No issue there.","start":505.675,"end":506.395,"sentiment":"neutral","sentiment_score":-0.012119313701987267}],"sentiment":"neutral","sentiment_score":0.0015057235680918288,"channel":1,"num_words":9,"start":504.075,"end":506.395},{"sentences":[{"text":"I think","start":506.395,"end":507.055,"sentiment":"neutral","sentiment_score":0.009871468879282475}],"sentiment":"neutral","sentiment_score":0.009871468879282475,"channel":1,"num_words":2,"start":506.395,"end":507.055},{"sentences":[{"text":"Yeah.","start":507.095,"end":507.595,"sentiment":"neutral","sentiment_score":0.02689548023045063}],"sentiment":"neutral","sentiment_score":0.02689548023045063,"channel":0,"num_words":1,"start":507.095,"end":507.595},{"sentences":[{"text":"I think I'm more curious on a on a broader level in terms of, like, the the process you guys go through for the individual picks and and when that gets changed.","start":507.355,"end":519.38,"sentiment":"neutral","sentiment_score":0.03377524414099753},{"text":"Like, I know that you've you've technically asked me today to move something, and I'm cool with that.","start":519.38,"end":523.95996,"sentiment":"neutral","sentiment_score":0.2605886852575673}],"sentiment":"neutral","sentiment_score":0.11542808294296264,"channel":1,"num_words":50,"start":507.355,"end":523.95996},{"sentences":[{"text":"Yeah.","start":523.99,"end":524.31,"sentiment":"neutral","sentiment_score":0.2091682404279709},{"text":"Yeah.","start":524.31,"end":524.81,"sentiment":"neutral","sentiment_score":0.13225741684436798}],"sentiment":"neutral","sentiment_score":0.17071282863616943,"channel":0,"num_words":2,"start":523.99,"end":524.81},{"sentences":[{"text":"Is is I imagine you guys would have internal meetings and and in internal actions that you would take anyway because I've I have","start":524.66,"end":532.395,"sentiment":"neutral","sentiment_score":0.047776024167736374}],"sentiment":"neutral","sentiment_score":0.047776024167736374,"channel":1,"num_words":24,"start":524.66,"end":532.395},{"sentences":[{"text":"Mhmm.","start":532.245,"end":532.745,"sentiment":"neutral","sentiment_score":0.039399653673172}],"sentiment":"neutral","sentiment_score":0.039399653673172,"channel":0,"num_words":1,"start":532.245,"end":532.745},{"sentences":[{"text":"seen some emails come through from the animation company, Hub twenty four, I think, when some 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there's","start":565.52,"end":566.0,"sentiment":"neutral","sentiment_score":0.06068742647767067}],"sentiment":"neutral","sentiment_score":0.12451781053096056,"channel":0,"num_words":16,"start":561.39496,"end":566.0},{"sentences":[{"text":"Yep.","start":565.88495,"end":566.22,"sentiment":"neutral","sentiment_score":0.07312365621328354}],"sentiment":"neutral","sentiment_score":0.07312365621328354,"channel":1,"num_words":1,"start":565.88495,"end":566.22},{"sentences":[{"text":"something going on the market like what's happening sort of now, they tend to meet on more of a regular basis 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like, we also do have a new investment product, which is called an SMA or a separately managed account.","start":589.87,"end":596.91,"sentiment":"neutral","sentiment_score":0.10218059867620469},{"text":"And we've actually had that built alongside utilizing BlackRock's investment team.","start":596.91,"end":601.63,"sentiment":"neutral","sentiment_score":0.10946352915330367},{"text":"So BlackRock are one of the world's largest investment firms.","start":601.63,"end":604.52997,"sentiment":"neutral","sentiment_score":0.12751070484519006},{"text":"They have helped us to build this SMA.","start":605.505,"end":608.545,"sentiment":"neutral","sentiment_score":0.24494898691773415},{"text":"We utilize our investment managers, the analysts, and things like that.","start":608.545,"end":612.08496,"sentiment":"neutral","sentiment_score":0.13175163756717334}],"sentiment":"neutral","sentiment_score":0.1298858576096021,"channel":0,"num_words":65,"start":589.87,"end":612.08496},{"sentences":[{"text":"And 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change, remove, then along and put something else in its place.","start":652.62,"end":657.2,"sentiment":"neutral","sentiment_score":0.17589371382362312},{"text":"You'd probably not even realize that it happened, but your portfolio would just keep kinda sticking along for you.","start":657.26,"end":662.965,"sentiment":"neutral","sentiment_score":-0.06341488698595449},{"text":"Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments?","start":663.105,"end":679.0,"sentiment":"neutral","sentiment_score":0.14799031404157478},{"text":"How do you sort of feel about 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I","start":690.575,"end":691.455,"sentiment":"neutral","sentiment_score":0.06218407303094864}],"sentiment":"neutral","sentiment_score":0.10672605394021324,"channel":1,"num_words":23,"start":685.935,"end":691.455},{"sentences":[{"text":"Yeah.","start":691.335,"end":691.835,"sentiment":"neutral","sentiment_score":0.09261724352836607}],"sentiment":"neutral","sentiment_score":0.09261724352836607,"channel":0,"num_words":1,"start":691.335,"end":691.835},{"sentences":[{"text":"know it's long term performance.","start":691.455,"end":692.41504,"sentiment":"neutral","sentiment_score":0.08883262872695923},{"text":"I'm not looking for anything 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well.","start":1184.2251,"end":1194.72,"sentiment":"positive","sentiment_score":0.34042594858578273},{"text":"We kinda diversify not just by one or two companies in Europe.","start":1194.96,"end":1198.1599,"sentiment":"neutral","sentiment_score":0.13212563407917818},{"text":"We tend to diversify by looking at all of them","start":1198.1599,"end":1200.9,"sentiment":"neutral","sentiment_score":0.2358822852373123}],"sentiment":"neutral","sentiment_score":0.27609308384932,"channel":0,"num_words":65,"start":1180.8651,"end":1200.9},{"sentences":[{"text":"Yep.","start":1201.105,"end":1201.605,"sentiment":"neutral","sentiment_score":0.19365477561950684}],"sentiment":"neutral","sentiment_score":0.19365477561950684,"channel":1,"num_words":1,"start":1201.105,"end":1201.605},{"sentences":[{"text":"because some European companies follow","start":1201.12,"end":1203.0399,"sentiment":"neutral","sentiment_score":0.12785365730524062}],"sentiment":"neutral","sentiment_score":0.12785365730524062,"channel":0,"num_words":5,"start":1201.12,"end":1203.0399},{"sentences":[{"text":"Yep.","start":1203.03,"end":1203.53,"sentiment":"neutral","sentiment_score":0.12222087383270264}],"sentiment":"neutral","sentiment_score":0.12222087383270264,"channel":1,"num_words":1,"start":1203.03,"end":1203.53},{"sentences":[{"text":"suit with, say, Australia and US ex market equity markets, but others don't.","start":1203.0399,"end":1208.095,"sentiment":"neutral","sentiment_score":0.15734315950136918},{"text":"And it's also encompassing not just","start":1208.095,"end":1210.195,"sentiment":"neutral","sentiment_score":0.15330620606740317}],"sentiment":"neutral","sentiment_score":0.15606833210116938,"channel":0,"num_words":19,"start":1203.0399,"end":1210.195},{"sentences":[{"text":"Yep.","start":1209.9675,"end":1210.4675,"sentiment":"neutral","sentiment_score":0.04921720176935196}],"sentiment":"neutral","sentiment_score":0.04921720176935196,"channel":1,"num_words":1,"start":1209.9675,"end":1210.4675},{"sentences":[{"text":"existing markets, but also up and coming markets as well.","start":1210.4149,"end":1213.955,"sentiment":"neutral","sentiment_score":0.1706318311393261},{"text":"Japan is one that has tend to travel or has tend to move not so much in unison with Australian and US markets.","start":1214.4149,"end":1221.615,"sentiment":"neutral","sentiment_score":0.029715928856445396},{"text":"We sort of saw last year there was some ups and downs with what's happening back then with companies, and it's waiting at the time that was around March.","start":1221.615,"end":1230.43,"sentiment":"neutral","sentiment_score":-0.14454054267242036},{"text":"And we sort of noted then that Japan wasn't moving in the same sort of direction.","start":1230.73,"end":1234.75,"sentiment":"neutral","sentiment_score":-0.20298666786402464},{"text":"And, again, this year, it's kind of had that same effect.","start":1234.81,"end":1237.755,"sentiment":"neutral","sentiment_score":-0.11073087765411897}],"sentiment":"neutral","sentiment_score":-0.07042379103852121,"channel":0,"num_words":89,"start":1210.4149,"end":1237.755},{"sentences":[{"text":"So I've kind of","start":1237.995,"end":1238.955,"sentiment":"neutral","sentiment_score":-0.054918721318244934}],"sentiment":"neutral","sentiment_score":-0.054918721318244934,"channel":0,"num_words":4,"start":1237.995,"end":1238.955},{"sentences":[{"text":"Yep.","start":1238.86,"end":1239.36,"sentiment":"neutral","sentiment_score":-0.012220971286296844}],"sentiment":"neutral","sentiment_score":-0.012220971286296844,"channel":1,"num_words":1,"start":1238.86,"end":1239.36},{"sentences":[{"text":"watched US and Australian equity markets take a little bit more of a dip.","start":1238.955,"end":1242.735,"sentiment":"neutral","sentiment_score":-0.1273713085268225},{"text":"You know, UK markets have sort of followed suit with that one, but then Japan's also got, you know, a lot of extra fuel set aside for their for their for their country.","start":1242.955,"end":1252.35,"sentiment":"neutral","sentiment_score":-0.007696153313824625},{"text":"They use a lot of gas as well.","start":1252.6499,"end":1254.6499,"sentiment":"neutral","sentiment_score":0.061073004733771086},{"text":"So LNG is something we export a lot to Japan.","start":1254.6499,"end":1257.21,"sentiment":"neutral","sentiment_score":0.08286567255854607},{"text":"They tend to use a lot more than we do there, and","start":1257.21,"end":1260.01,"sentiment":"neutral","sentiment_score":0.0024552450825770697}],"sentiment":"neutral","sentiment_score":-0.0089671126530542,"channel":0,"num_words":77,"start":1238.955,"end":1260.01},{"sentences":[{"text":"Yep.","start":1259.89,"end":1260.39,"sentiment":"neutral","sentiment_score":-0.007215618155896664}],"sentiment":"neutral","sentiment_score":-0.007215618155896664,"channel":1,"num_words":1,"start":1259.89,"end":1260.39},{"sentences":[{"text":"their investment markets haven't sort of fluctuated as greatly as ours have, and they kind of moved in the opposite direction to ours.","start":1260.01,"end":1266.845,"sentiment":"neutral","sentiment_score":-0.14157163708106332},{"text":"So when our markets The US market seem to be down, Japan seems to be doing quite well.","start":1266.845,"end":1271.505,"sentiment":"neutral","sentiment_score":-0.19036530206600824},{"text":"In saying that, there's there are times when the markets all kinda drop in unison.","start":1271.965,"end":1277.025,"sentiment":"neutral","sentiment_score":-0.24133661439021428},{"text":"We kind of kinda avoid that at all, but this is sort of what we're seeing at the moment.","start":1277.61,"end":1281.55,"sentiment":"neutral","sentiment_score":-0.21366270670765325},{"text":"And I make a point 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also","start":1282.8099,"end":1287.21,"sentiment":"neutral","sentiment_score":0.32773230107207046}],"sentiment":"neutral","sentiment_score":0.32773230107207046,"channel":0,"num_words":19,"start":1282.8099,"end":1287.21},{"sentences":[{"text":"Yep.","start":1287.16,"end":1287.66,"sentiment":"neutral","sentiment_score":0.2833547592163086}],"sentiment":"neutral","sentiment_score":0.2833547592163086,"channel":1,"num_words":1,"start":1287.16,"end":1287.66},{"sentences":[{"text":"have investments in my own name as well.","start":1287.21,"end":1288.89,"sentiment":"neutral","sentiment_score":0.28382115811109543},{"text":"So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions.","start":1288.89,"end":1294.745,"sentiment":"neutral","sentiment_score":0.24264125463863215}],"sentiment":"neutral","sentiment_score":0.25293623050674796,"channel":0,"num_words":32,"start":1287.21,"end":1294.745},{"sentences":[{"text":"Yep.","start":1295.24,"end":1295.74,"sentiment":"neutral","sentiment_score":0.05994619056582451}],"sentiment":"neutral","sentiment_score":0.05994619056582451,"channel":1,"num_words":1,"start":1295.24,"end":1295.74},{"sentences":[{"text":"Other areas, cybersecurity is down a little bit at the moment, has had a little bit of a pullback with what's being happening globally.","start":1296.005,"end":1303.225,"sentiment":"neutral","sentiment_score":-0.06268123506257932},{"text":"Tech stocks, again, have also had a bit of a dip, But they are still really good investments to have in your portfolio.","start":1303.285,"end":1308.86,"sentiment":"neutral","sentiment_score":0.1923529541362887},{"text":"Your cybersecurity is down a little bit for this year, but it's still a good in investment to have.","start":1309.72,"end":1314.9199,"sentiment":"neutral","sentiment_score":0.24603344852987089},{"text":"So we're just sort of noting it as a bit of a dip.","start":1314.9199,"end":1317.1599,"sentiment":"neutral","sentiment_score":0.13017862805953392},{"text":"Don't wanna remove that.","start":1317.1599,"end":1318.515,"sentiment":"neutral","sentiment_score":-0.08832742087543011}],"sentiment":"neutral","sentiment_score":0.10763152177075305,"channel":0,"num_words":83,"start":1296.005,"end":1318.515},{"sentences":[{"text":"There's no real reason for it to having underperformed like you've been along Australian equities investment.","start":1318.675,"end":1323.8151,"sentiment":"neutral","sentiment_score":0.06197006028378382}],"sentiment":"neutral","sentiment_score":0.06197006028378382,"channel":0,"num_words":16,"start":1318.675,"end":1323.8151},{"sentences":[{"text":"Yep.","start":1324.4401,"end":1324.9401,"sentiment":"neutral","sentiment_score":0.06800436973571777}],"sentiment":"neutral","sentiment_score":0.06800436973571777,"channel":1,"num_words":1,"start":1324.4401,"end":1324.9401},{"sentences":[{"text":"It's the cybersecurity is down as a whole because of what's happening with tech stocks and what's happening as a whole globally, and","start":1324.595,"end":1331.635,"sentiment":"neutral","sentiment_score":-0.1140598564044289}],"sentiment":"neutral","sentiment_score":-0.1140598564044289,"channel":0,"num_words":23,"start":1324.595,"end":1331.635},{"sentences":[{"text":"Yep.","start":1331.495,"end":1331.995,"sentiment":"neutral","sentiment_score":0.1733580231666565}],"sentiment":"neutral","sentiment_score":0.1733580231666565,"channel":1,"num_words":1,"start":1331.495,"end":1331.995},{"sentences":[{"text":"we do see it coming back, which is really important.","start":1331.635,"end":1334.295,"sentiment":"neutral","sentiment_score":0.28676804155111313},{"text":"Other than that, another good place to sorta make sure we have exposure is your precious metals, like gold and silver and things like that.","start":1335.45,"end":1342.75,"sentiment":"neutral","sentiment_score":0.20515328586101533},{"text":"They are growth investments, but they do have a tendency to also work defensively, which is really important as well.","start":1342.89,"end":1348.65,"sentiment":"neutral","sentiment_score":0.21564709320664405},{"text":"So gold has done really well for the past several years.","start":1348.65,"end":1352.025,"sentiment":"neutral","sentiment_score":0.3149560500275005},{"text":"It has a pretty heavy dip in February, but it only lasts a short period of time.","start":1352.025,"end":1356.365,"sentiment":"neutral","sentiment_score":-0.070108614204561}],"sentiment":"neutral","sentiment_score":0.17568824740957065,"channel":0,"num_words":83,"start":1331.635,"end":1356.365},{"sentences":[{"text":"And 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all.","start":1356.905,"end":1361.005,"sentiment":"neutral","sentiment_score":-0.23012378712495168}],"sentiment":"neutral","sentiment_score":-0.23012378712495168,"channel":0,"num_words":15,"start":1356.905,"end":1361.005},{"sentences":[{"text":"Yep.","start":1361.3551,"end":1361.8551,"sentiment":"neutral","sentiment_score":0.10165511816740036}],"sentiment":"neutral","sentiment_score":0.10165511816740036,"channel":1,"num_words":1,"start":1361.3551,"end":1361.8551},{"sentences":[{"text":"Having gold and silver in your portfolio and I could always look at adding a little bit of silver in there if it's gonna provide a bit more of a, you know, a bit more defensive nature for you as well.","start":1361.86,"end":1372.28,"sentiment":"neutral","sentiment_score":0.264794606988023},{"text":"But having gold in your portfolio, especially as as a growth asset, we all like it.","start":1373.6849,"end":1378.345,"sentiment":"positive","sentiment_score":0.33560283575206995},{"text":"It does grow in value over the longer term, but it can act defensively.","start":1378.565,"end":1382.505,"sentiment":"positive","sentiment_score":0.3904318021876471},{"text":"So when you kinda think back to the GFC or even, say, 2020, when markets equity markets are performing as well, people tend to move money into gold as a bit of a safe haven.","start":1382.6449,"end":1393.27,"sentiment":"neutral","sentiment_score":0.22475226329905645},{"text":"So it acts defensively","start":1393.3301,"end":1394.63,"sentiment":"neutral","sentiment_score":0.2346665933728218}],"sentiment":"neutral","sentiment_score":0.2772478643466126,"channel":0,"num_words":110,"start":1361.86,"end":1394.63},{"sentences":[{"text":"Yep.","start":1394.1951,"end":1394.6951,"sentiment":"neutral","sentiment_score":0.183441698551178}],"sentiment":"neutral","sentiment_score":0.183441698551178,"channel":1,"num_words":1,"start":1394.1951,"end":1394.6951},{"sentences":[{"text":"in those in those times as well, and silver 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months.","start":1403.285,"end":1408.3251,"sentiment":"neutral","sentiment_score":0.14212718470530075},{"text":"So I can definitely look at other metals and see if there's a way to maybe split the exposure so you're not overexposed to growth investments, but you still have bit of defensive investments in nature there.","start":1408.3251,"end":1418.52,"sentiment":"neutral","sentiment_score":0.1314763634188755}],"sentiment":"neutral","sentiment_score":0.1276455158140601,"channel":0,"num_words":82,"start":1397.41,"end":1418.52},{"sentences":[{"text":"Defensive investments have taken a little bit of a hit recently, so things like bonds as well because here in Australia with what's happening globally here in Australia, we still have a good jobs market, and inflation has been a little bit too high as well.","start":1419.62,"end":1432.1749,"sentiment":"neutral","sentiment_score":-0.10161241451683252},{"text":"And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that.","start":1432.1749,"end":1441.23,"sentiment":"neutral","sentiment_score":-0.0608576527900166},{"text":"We don't normally throughout history don't normally sort of see equity markets and bond markets and fixed interest markets all kinda dipping at the same time.","start":1441.71,"end":1449.65,"sentiment":"neutral","sentiment_score":-0.0829004759971912},{"text":"But there are times when, say, inflationary pressures are kind of following a a kinda higher, as well as everything happening globally, which is what we're seeing at the moment.","start":1450.11,"end":1459.345,"sentiment":"neutral","sentiment_score":0.032028565928339955},{"text":"But, we're just kinda hopeful that, you know, in the next few months that that, you know, inflation can come under a bit more 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there's","start":1484.065,"end":1484.725,"sentiment":"neutral","sentiment_score":0.04695180058479309}],"sentiment":"neutral","sentiment_score":0.003796777491898913,"channel":0,"num_words":57,"start":1466.625,"end":1484.725},{"sentences":[{"text":"Yep.","start":1484.51,"end":1485.01,"sentiment":"neutral","sentiment_score":0.06969621777534485}],"sentiment":"neutral","sentiment_score":0.06969621777534485,"channel":1,"num_words":1,"start":1484.51,"end":1485.01},{"sentences":[{"text":"a few things going on there, but, realistically, none of these areas are bad.","start":1484.7849,"end":1488.3849,"sentiment":"neutral","sentiment_score":0.07247634311871869},{"text":"They're just all seeing a little bit of volatile time at the moment, and they're also really good to have to still be invested in.","start":1488.3849,"end":1494.325,"sentiment":"neutral","sentiment_score":0.16156504273414612},{"text":"This is about taking advantage of the downtimes and investing in when you've got that chance to into the discounted investment rate.","start":1494.5449,"end":1501.09,"sentiment":"neutral","sentiment_score":0.1600594124333425},{"text":"Does","start":1501.09,"end":1501.3301,"sentiment":"neutral","sentiment_score":0.04347597062587738}],"sentiment":"neutral","sentiment_score":0.13900932122863108,"channel":0,"num_words":62,"start":1484.7849,"end":1501.3301},{"sentences":[{"text":"Yep.","start":1501.315,"end":1501.635,"sentiment":"neutral","sentiment_score":0.06972163170576096}],"sentiment":"neutral","sentiment_score":0.06972163170576096,"channel":1,"num_words":1,"start":1501.315,"end":1501.635},{"sentences":[{"text":"that all","start":1501.3301,"end":1501.73,"sentiment":"neutral","sentiment_score":0.07602668553590775}],"sentiment":"neutral","sentiment_score":0.07602668553590775,"channel":0,"num_words":2,"start":1501.3301,"end":1501.73},{"sentences":[{"text":"Yep.","start":1501.635,"end":1502.135,"sentiment":"neutral","sentiment_score":0.050856560468673706}],"sentiment":"neutral","sentiment_score":0.050856560468673706,"channel":1,"num_words":1,"start":1501.635,"end":1502.135},{"sentences":[{"text":"make sense?","start":1501.73,"end":1502.21,"sentiment":"neutral","sentiment_score":0.030641963705420494},{"text":"Do you have questions about any of that?","start":1502.21,"end":1504.23,"sentiment":"neutral","sentiment_score":0.009919842006638646}],"sentiment":"neutral","sentiment_score":0.014064266346395016,"channel":0,"num_words":10,"start":1501.73,"end":1504.23},{"sentences":[{"text":"Yeah.","start":1504.195,"end":1504.515,"sentiment":"neutral","sentiment_score":0.03527527675032616},{"text":"Definitely.","start":1504.515,"end":1504.835,"sentiment":"neutral","sentiment_score":0.05126745626330376},{"text":"No.","start":1504.835,"end":1504.995,"sentiment":"neutral","sentiment_score":0.013922441750764849},{"text":"That's fine.","start":1504.995,"end":1505.395,"sentiment":"neutral","sentiment_score":0.03094504214823246},{"text":"I was just more curious","start":1505.395,"end":1506.355,"sentiment":"neutral","sentiment_score":0.006959101557731629}],"sentiment":"neutral","sentiment_score":0.01971507668495178,"channel":1,"num_words":10,"start":1504.195,"end":1506.355},{"sentences":[{"text":"Yeah.","start":1506.05,"end":1506.55,"sentiment":"neutral","sentiment_score":0.01174665056169033}],"sentiment":"neutral","sentiment_score":0.01174665056169033,"channel":0,"num_words":1,"start":1506.05,"end":1506.55},{"sentences":[{"text":"on from a broader scale on","start":1506.355,"end":1508.615,"sentiment":"neutral","sentiment_score":0.006923475147535403}],"sentiment":"neutral","sentiment_score":0.006923475147535403,"channel":1,"num_words":6,"start":1506.355,"end":1508.615},{"sentences":[{"text":"Yeah.","start":1509.09,"end":1509.59,"sentiment":"neutral","sentiment_score":0.009809705428779123}],"sentiment":"neutral","sentiment_score":0.009809705428779123,"channel":0,"num_words":1,"start":1509.09,"end":1509.59},{"sentences":[{"text":"where it's sort of situated and what you guys are thinking 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a look, I'll give you an update of your balance at the moment as well.","start":1574.75,"end":1578.27,"sentiment":"neutral","sentiment_score":0.2017470540271865},{"text":"So do you look at your hub 24 very often?","start":1578.27,"end":1581.0901,"sentiment":"neutral","sentiment_score":0.04614939745515585}],"sentiment":"neutral","sentiment_score":0.14617646239431842,"channel":0,"num_words":28,"start":1574.75,"end":1581.0901},{"sentences":[{"text":"No.","start":1581.635,"end":1582.035,"sentiment":"neutral","sentiment_score":-0.03701503574848175},{"text":"Not really.","start":1582.035,"end":1582.5951,"sentiment":"neutral","sentiment_score":-0.03077334351837635},{"text":"I think I 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the","start":2076.59,"end":2077.15,"sentiment":"neutral","sentiment_score":-0.05333860404789448}],"sentiment":"neutral","sentiment_score":-0.05333860404789448,"channel":1,"num_words":4,"start":2076.59,"end":2077.15},{"sentences":[{"text":"No.","start":2077.115,"end":2077.615,"sentiment":"neutral","sentiment_score":-0.10310572385787964}],"sentiment":"neutral","sentiment_score":-0.10310572385787964,"channel":0,"num_words":1,"start":2077.115,"end":2077.615},{"sentences":[{"text":"year.","start":2077.15,"end":2077.39,"sentiment":"neutral","sentiment_score":-0.11565406620502472},{"text":"So I think everything's pretty fine as it is at the 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moment?","start":2087.3699,"end":2093.63,"sentiment":"neutral","sentiment_score":0.00007822579489304469}],"sentiment":"neutral","sentiment_score":0.04673962419231733,"channel":0,"num_words":42,"start":2081.3699,"end":2093.63},{"sentences":[{"text":"It's a bit of a funny one.","start":2094.705,"end":2095.825,"sentiment":"neutral","sentiment_score":-0.16283488060746873},{"text":"I think hard to say.","start":2095.825,"end":2099.97,"sentiment":"neutral","sentiment_score":-0.1626425176858902},{"text":"Hey.","start":2099.97,"end":2100.21,"sentiment":"neutral","sentiment_score":-0.02194331586360931},{"text":"I think maybe 20 flat is in 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I think I've I think it's because I've put down the the deposit for the house and then overpaid the mortgage.","start":2105.81,"end":2111.73,"sentiment":"neutral","sentiment_score":-0.06165543113919822},{"text":"So I think there's there are some funds there in","start":2111.73,"end":2114.955,"sentiment":"neutral","sentiment_score":-0.026646668463945387}],"sentiment":"neutral","sentiment_score":-0.05071519280318171,"channel":1,"num_words":32,"start":2105.81,"end":2114.955},{"sentences":[{"text":"Yep.","start":2115.1602,"end":2115.6602,"sentiment":"neutral","sentiment_score":-0.006131411995738745}],"sentiment":"neutral","sentiment_score":-0.006131411995738745,"channel":0,"num_words":1,"start":2115.1602,"end":2115.6602},{"sentences":[{"text":"to redraw if needed, but, yeah, technically, 20 at the moment.","start":2115.415,"end":2119.755,"sentiment":"neutral","sentiment_score":-0.018208020451393993}],"sentiment":"neutral","sentiment_score":-0.018208020451393993,"channel":1,"num_words":11,"start":2115.415,"end":2119.755},{"sentences":[{"text":"Yep.","start":2120.135,"end":2120.455,"sentiment":"neutral","sentiment_score":0.05259952694177627},{"text":"That's okay.","start":2120.455,"end":2121.255,"sentiment":"neutral","sentiment_score":0.20449458807706833},{"text":"Perfect.","start":2121.255,"end":2121.755,"sentiment":"positive","sentiment_score":0.5236458778381348},{"text":"Excellent.","start":2122.135,"end":2122.635,"sentiment":"positive","sentiment_score":0.4265899658203125},{"text":"And I've also got in here we had a motorcycle.","start":2123.415,"end":2126.715,"sentiment":"neutral","sentiment_score":0.08151751570403576}],"sentiment":"neutral","sentiment_score":0.14846664691964787,"channel":0,"num_words":15,"start":2120.135,"end":2126.715},{"sentences":[{"text":"You were 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a","start":2264.6199,"end":2265.0999,"sentiment":"neutral","sentiment_score":0.027503141202032566}],"sentiment":"neutral","sentiment_score":0.027503141202032566,"channel":1,"num_words":2,"start":2264.6199,"end":2265.0999},{"sentences":[{"text":"Absolutely.","start":2264.8699,"end":2265.3699,"sentiment":"neutral","sentiment_score":0.15095417201519012}],"sentiment":"neutral","sentiment_score":0.15095417201519012,"channel":0,"num_words":1,"start":2264.8699,"end":2265.3699},{"sentences":[{"text":"that's a later chat, but I think that that covers 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think?","start":2284.52,"end":2285.26,"sentiment":"neutral","sentiment_score":-0.021182480578621227}],"sentiment":"neutral","sentiment_score":-0.02300560621446685,"channel":0,"num_words":19,"start":2280.565,"end":2285.26},{"sentences":[{"text":"Cool.","start":2285.915,"end":2286.415,"sentiment":"neutral","sentiment_score":0.13318070769309998},{"text":"Definitely dropped quite a bit.","start":2286.715,"end":2288.5598,"sentiment":"neutral","sentiment_score":-0.2245945930480957},{"text":"Maybe just go it'd be more than 15.","start":2288.5598,"end":2291.46,"sentiment":"neutral","sentiment_score":-0.0757212657481432},{"text":"I wanna say between 20.","start":2292.48,"end":2293.92,"sentiment":"neutral","sentiment_score":-0.0266674667596817},{"text":"Maybe just go 17, I 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now?","start":2298.4548,"end":2302.315,"sentiment":"neutral","sentiment_score":0.07093127025291324}],"sentiment":"neutral","sentiment_score":0.08899963910088819,"channel":0,"num_words":17,"start":2297.4949,"end":2302.315},{"sentences":[{"text":"Like, the purchase price or, like, the the theproperty.com, like, average, like, expected sale price now?","start":2303.885,"end":2311.345,"sentiment":"neutral","sentiment_score":0.043090862687677145}],"sentiment":"neutral","sentiment_score":0.043090862687677145,"channel":1,"num_words":16,"start":2303.885,"end":2311.345},{"sentences":[{"text":"Yeah.","start":2311.6702,"end":2311.99,"sentiment":"neutral","sentiment_score":0.00708407536149025},{"text":"So we kind of go on what would it be to you.","start":2311.99,"end":2314.55,"sentiment":"neutral","sentiment_score":0.023013705853372812},{"text":"So if you had to sell the property tomorrow, what would you want for 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them.","start":2416.7598,"end":2418.46,"sentiment":"neutral","sentiment_score":0.2281510787350791}],"sentiment":"neutral","sentiment_score":0.20246088286725486,"channel":0,"num_words":41,"start":2408.2449,"end":2418.46},{"sentences":[{"text":"Yep.","start":2418.79,"end":2419.29,"sentiment":"neutral","sentiment_score":0.17967724800109863}],"sentiment":"neutral","sentiment_score":0.17967724800109863,"channel":1,"num_words":1,"start":2418.79,"end":2419.29},{"sentences":[{"text":"The wills with the solicitor are they do they do charge you for that separately.","start":2419.16,"end":2423.4,"sentiment":"neutral","sentiment_score":0.09776902993520101},{"text":"It's not kinda through us in any way.","start":2423.4,"end":2425.42,"sentiment":"neutral","sentiment_score":0.04277975717559457},{"text":"But I always think it's more of an investment in yourself.","start":2425.7751,"end":2428.0151,"sentiment":"neutral","sentiment_score":0.31691173260862177},{"text":"You've worked really hard.","start":2428.0151,"end":2428.975,"sentiment":"positive","sentiment_score":0.43263528496026993},{"text":"You've now got your house and everything.","start":2428.975,"end":2430.8152,"sentiment":"positive","sentiment_score":0.4508313919816698}],"sentiment":"neutral","sentiment_score":0.22624807664089733,"channel":0,"num_words":45,"start":2419.16,"end":2430.8152},{"sentences":[{"text":"So you wanna make sure protecting those assets and having them directed to where you want them to go in the event that something was to happen to 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start there for you if you like.","start":2458.2952,"end":2463.495,"sentiment":"neutral","sentiment_score":0.22289008647203445},{"text":"Does that sound okay?","start":2463.495,"end":2464.5552,"sentiment":"neutral","sentiment_score":0.14830850809812546}],"sentiment":"neutral","sentiment_score":0.21274494550501308,"channel":0,"num_words":48,"start":2453.415,"end":2464.5552},{"sentences":[{"text":"Yeah.","start":2464.685,"end":2464.925,"sentiment":"neutral","sentiment_score":0.14386823773384094},{"text":"Yes, please.","start":2464.925,"end":2465.485,"sentiment":"neutral","sentiment_score":0.2198912352323532},{"text":"That sounds good.","start":2465.485,"end":2466.385,"sentiment":"positive","sentiment_score":0.5233864982922872}],"sentiment":"positive","sentiment_score":0.3589683671792348,"channel":1,"num_words":6,"start":2464.685,"end":2466.385},{"sentences":[{"text":"Yep.","start":2466.15,"end":2466.65,"sentiment":"positive","sentiment_score":0.3613659143447876},{"text":"Beautiful.","start":2466.71,"end":2467.21,"sentiment":"positive","sentiment_score":0.5474948883056641},{"text":"With your super, your beneficiary is your legal personal representative.","start":2467.67,"end":2470.73,"sentiment":"neutral","sentiment_score":0.2178883895277977},{"text":"So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be.","start":2470.79,"end":2481.155,"sentiment":"neutral","sentiment_score":0.19226362369954586},{"text":"But you're happy with your your LPR legal personal representative being your beneficiary currently?","start":2481.155,"end":2486.455,"sentiment":"neutral","sentiment_score":0.2226736204964774}],"sentiment":"neutral","sentiment_score":0.20949678325227328,"channel":0,"num_words":70,"start":2466.15,"end":2486.455},{"sentences":[{"text":"Yeah.","start":2487.515,"end":2487.755,"sentiment":"neutral","sentiment_score":0.0920685976743698},{"text":"Yeah.","start":2487.755,"end":2487.915,"sentiment":"neutral","sentiment_score":0.15372854471206665},{"text":"Happy happy there.","start":2487.915,"end":2488.635,"sentiment":"positive","sentiment_score":0.3369932274023692},{"text":"I think it's","start":2488.635,"end":2489.0752,"sentiment":"neutral","sentiment_score":0.11165973047415416}],"sentiment":"neutral","sentiment_score":0.1989695020020008,"channel":1,"num_words":8,"start":2487.515,"end":2489.0752},{"sentences":[{"text":"Yeah.","start":2488.995,"end":2489.495,"sentiment":"neutral","sentiment_score":0.03134401515126228}],"sentiment":"neutral","sentiment_score":0.03134401515126228,"channel":0,"num_words":1,"start":2488.995,"end":2489.495},{"sentences":[{"text":"I don't think I've actually circulated anyone, so it's just gonna be whatever the state designates.","start":2489.195,"end":2494.175,"sentiment":"neutral","sentiment_score":-0.01124750074086478},{"text":"I believe that's probably gonna go to","start":2494.235,"end":2496.095,"sentiment":"neutral","sentiment_score":-0.017822674342564175}],"sentiment":"neutral","sentiment_score":-0.013248640532686335,"channel":1,"num_words":23,"start":2489.195,"end":2496.095},{"sentences":[{"text":"Yep.","start":2496.29,"end":2496.79,"sentiment":"neutral","sentiment_score":-0.008401208557188511}],"sentiment":"neutral","sentiment_score":-0.008401208557188511,"channel":0,"num_words":1,"start":2496.29,"end":2496.79},{"sentences":[{"text":"a family member, I presume.","start":2497.1099,"end":2498.8098,"sentiment":"neutral","sentiment_score":0.0005397427827119827}],"sentiment":"neutral","sentiment_score":0.0005397427827119827,"channel":1,"num_words":5,"start":2497.1099,"end":2498.8098},{"sentences":[{"text":"Yeah.","start":2498.53,"end":2499.03,"sentiment":"neutral","sentiment_score":0.09320688247680664},{"text":"Perfect.","start":2499.57,"end":2500.07,"sentiment":"positive","sentiment_score":0.3991962671279907},{"text":"Excellent.","start":2500.6099,"end":2501.1099,"sentiment":"positive","sentiment_score":0.4427483081817627},{"text":"All good.","start":2501.41,"end":2502.15,"sentiment":"positive","sentiment_score":0.4136301875114441},{"text":"And so that's the estate planning side of things.","start":2503.185,"end":2505.665,"sentiment":"neutral","sentiment_score":0.17787270744641623}],"sentiment":"neutral","sentiment_score":0.24023329998765672,"channel":0,"num_words":14,"start":2498.53,"end":2505.665},{"sentences":[{"text":"Health wise, is everything okay?","start":2505.665,"end":2507.2651,"sentiment":"neutral","sentiment_score":0.08105791062116623},{"text":"Health wise, you haven't had any changes to your health in the last twelve months from when we sort of caught up last year?","start":2507.2651,"end":2512.3252,"sentiment":"neutral","sentiment_score":0.011097823735326529}],"sentiment":"neutral","sentiment_score":0.02315990768116096,"channel":0,"num_words":29,"start":2505.665,"end":2512.3252},{"sentences":[{"text":"No.","start":2512.5852,"end":2512.8252,"sentiment":"neutral","sentiment_score":-0.04070449620485306},{"text":"No change at","start":2512.8252,"end":2513.885,"sentiment":"neutral","sentiment_score":-0.03768193411330382}],"sentiment":"neutral","sentiment_score":-0.03843757463619113,"channel":1,"num_words":4,"start":2512.5852,"end":2513.885},{"sentences":[{"text":"No.","start":2514.48,"end":2514.72,"sentiment":"neutral","sentiment_score":-0.021000858396291733},{"text":"Beautiful.","start":2514.72,"end":2515.22,"sentiment":"neutral","sentiment_score":0.12627942860126495},{"text":"That's what we wanna hear.","start":2515.28,"end":2516.48,"sentiment":"neutral","sentiment_score":0.16911115050315856},{"text":"That's fantastic.","start":2516.48,"end":2517.22,"sentiment":"positive","sentiment_score":0.6395150125026703},{"text":"And the other","start":2518.32,"end":2518.88,"sentiment":"neutral","sentiment_score":0.18228512008984885}],"sentiment":"neutral","sentiment_score":0.23139330899963775,"channel":0,"num_words":12,"start":2514.48,"end":2518.88},{"sentences":[{"text":"all.","start":2518.8252,"end":2519.3252,"sentiment":"neutral","sentiment_score":0.13133980333805084}],"sentiment":"neutral","sentiment_score":0.13133980333805084,"channel":1,"num_words":1,"start":2518.8252,"end":2519.3252},{"sentences":[{"text":"thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment.","start":2518.88,"end":2530.4348,"sentiment":"neutral","sentiment_score":0.09065339790487831},{"text":"So I'm just having a quick look here at your portfolio.","start":2530.4348,"end":2533.7349,"sentiment":"neutral","sentiment_score":0.06268214705315503},{"text":"I believe you're in yep.","start":2534.755,"end":2538.355,"sentiment":"neutral","sentiment_score":0.06721681728959084},{"text":"High growth.","start":2538.355,"end":2538.915,"sentiment":"neutral","sentiment_score":0.10745277255773544},{"text":"Perfect.","start":2538.915,"end":2539.415,"sentiment":"neutral","sentiment_score":0.2762697637081146}],"sentiment":"neutral","sentiment_score":0.08738908762969667,"channel":0,"num_words":63,"start":2518.88,"end":2539.415},{"sentences":[{"text":"So generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets.","start":2539.4749,"end":2545.65,"sentiment":"neutral","sentiment_score":0.10644882349740892},{"text":"But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there.","start":2546.27,"end":2551.71,"sentiment":"neutral","sentiment_score":0.010855011722963789},{"text":"A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns.","start":2551.95,"end":2558.705,"sentiment":"neutral","sentiment_score":0.14542971923947334},{"text":"You're averaging or hoping to get about eight to 10% on a yearly basis.","start":2558.925,"end":2562.365,"sentiment":"neutral","sentiment_score":0.14168640758310044},{"text":"So anything under 8% is seen as underperformance, and anything over that 10% is fantastic.","start":2562.365,"end":2568.145,"sentiment":"neutral","sentiment_score":0.12017833391825358}],"sentiment":"neutral","sentiment_score":0.09660955939148919,"channel":0,"num_words":89,"start":2539.4749,"end":2568.145},{"sentences":[{"text":"A high growth investor generally sees a likelihood of a negative return expected about one in every sort of five years.","start":2569.405,"end":2576.15,"sentiment":"negative","sentiment_score":-0.3562101906254178},{"text":"Do you feel like that is fairly comfortable for yourself?","start":2576.53,"end":2579.57,"sentiment":"neutral","sentiment_score":-0.12080842554569245},{"text":"Did you wanna look at maybe altering or, you know, reassessing the risk profile for yourself at the moment, or what are your thoughts with that?","start":2579.57,"end":2587.59,"sentiment":"neutral","sentiment_score":-0.06536774079387005}],"sentiment":"neutral","sentiment_score":-0.1822466582321284,"channel":0,"num_words":57,"start":2569.405,"end":2587.59},{"sentences":[{"text":"No.","start":2587.89,"end":2588.13,"sentiment":"neutral","sentiment_score":-0.26851844787597656},{"text":"Happy to stay there.","start":2588.13,"end":2589.3499,"sentiment":"neutral","sentiment_score":-0.17344074696302414},{"text":"I know","start":2589.57,"end":2589.81,"sentiment":"neutral","sentiment_score":-0.004215572029352188}],"sentiment":"neutral","sentiment_score":-0.13867322568382537,"channel":1,"num_words":7,"start":2587.89,"end":2589.81},{"sentences":[{"text":"Yep.","start":2589.6748,"end":2590.1748,"sentiment":"neutral","sentiment_score":0.03817572444677353}],"sentiment":"neutral","sentiment_score":0.03817572444677353,"channel":0,"num_words":1,"start":2589.6748,"end":2590.1748},{"sentences":[{"text":"things are pretty crazy at the moment, but it's obviously time","start":2589.81,"end":2593.17,"sentiment":"neutral","sentiment_score":-0.017972845922816883}],"sentiment":"neutral","sentiment_score":-0.017972845922816883,"channel":1,"num_words":11,"start":2589.81,"end":2593.17},{"sentences":[{"text":"Yeah.","start":2593.115,"end":2593.615,"sentiment":"neutral","sentiment_score":0.1905636340379715}],"sentiment":"neutral","sentiment_score":0.1905636340379715,"channel":0,"num_words":1,"start":2593.115,"end":2593.615},{"sentences":[{"text":"is the the the best factor.","start":2593.17,"end":2594.7249,"sentiment":"neutral","sentiment_score":0.31971343358357746},{"text":"And, also,","start":2594.7249,"end":2595.545,"sentiment":"neutral","sentiment_score":0.312140628695488}],"sentiment":"neutral","sentiment_score":0.3178202323615551,"channel":1,"num_words":8,"start":2593.17,"end":2595.545},{"sentences":[{"text":"Absolutely.","start":2596.3948,"end":2596.8948,"sentiment":"positive","sentiment_score":0.5496190190315247}],"sentiment":"positive","sentiment_score":0.5496190190315247,"channel":0,"num_words":1,"start":2596.3948,"end":2596.8948},{"sentences":[{"text":"you have some opportunities there too.","start":2596.565,"end":2598.005,"sentiment":"positive","sentiment_score":0.5313988973697027},{"text":"So, yeah, happy to stay in that.","start":2598.005,"end":2599.4648,"sentiment":"positive","sentiment_score":0.5382104175431388}],"sentiment":"positive","sentiment_score":0.5350666390015528,"channel":1,"num_words":13,"start":2596.565,"end":2599.4648},{"sentences":[{"text":"Yep.","start":2599.6748,"end":2599.9148,"sentiment":"neutral","sentiment_score":0.2041182816028595},{"text":"Yeah.","start":2599.9148,"end":2600.2349,"sentiment":"neutral","sentiment_score":0.32133960723876953},{"text":"Beautiful.","start":2600.2349,"end":2600.7349,"sentiment":"positive","sentiment_score":0.5667097568511963},{"text":"Realistically, with where you are, your agency is your high growth portfolio is generally where we'd sort of see you for now as you get closer and closer to accessing super a long way down the track because you're still so young.","start":2600.795,"end":2611.1099,"sentiment":"neutral","sentiment_score":0.2616541495635396},{"text":"Essentially, when you get closer to retirement, it will start to sort of pull back on that risk level a little bit because when you get to those retirement years, you want more income reducing investments, lower fluctuations to be able to, you know, steady out your super.","start":2611.65,"end":2623.385,"sentiment":"neutral","sentiment_score":0.10839358111843467}],"sentiment":"neutral","sentiment_score":0.1858552023768425,"channel":0,"num_words":93,"start":2599.6748,"end":2623.385},{"sentences":[{"text":"But for now, taking advantage of those ups and downs and, you know, really taking advantage of the market volatility is a good thing.","start":2623.385,"end":2629.8652,"sentiment":"neutral","sentiment_score":0.22801502545674643},{"text":"So I'm happy","start":2629.8652,"end":2630.8252,"sentiment":"positive","sentiment_score":0.4800537129243215}],"sentiment":"neutral","sentiment_score":0.25601932406425476,"channel":0,"num_words":27,"start":2623.385,"end":2630.8252},{"sentences":[{"text":"Yep.","start":2630.785,"end":2631.285,"sentiment":"positive","sentiment_score":0.5391144156455994}],"sentiment":"positive","sentiment_score":0.5391144156455994,"channel":1,"num_words":1,"start":2630.785,"end":2631.285},{"sentences":[{"text":"to keep you in that portfolio.","start":2630.8252,"end":2632.125,"sentiment":"positive","sentiment_score":0.4598214427630107},{"text":"Every couple of years, we'll try to do a bit more of a risk profile questionnaire.","start":2632.3452,"end":2635.78,"sentiment":"neutral","sentiment_score":0.17393466737121344},{"text":"But for now, I'm pretty comfortable with you where you're at as long as you are.","start":2636.56,"end":2639.92,"sentiment":"neutral","sentiment_score":0.25530074816197157},{"text":"And if you ever feel you're not comfortable in that, just because we sort of suggest, you know, being younger, you can take more risk in the market.","start":2639.92,"end":2647.28,"sentiment":"neutral","sentiment_score":-0.10571718428816114},{"text":"If at any point you're not comfortable taking risk or you feel like you wanted to pull back, let me know.","start":2647.28,"end":2652.215,"sentiment":"neutral","sentiment_score":-0.11630300148611977}],"sentiment":"neutral","sentiment_score":0.048554610503816056,"channel":0,"num_words":87,"start":2630.8252,"end":2652.215},{"sentences":[{"text":"We can always have that conversation.","start":2652.215,"end":2653.835,"sentiment":"neutral","sentiment_score":0.1933913230895996},{"text":"We can always reduce or look at your risk profile at any point in time.","start":2653.895,"end":2657.655,"sentiment":"neutral","sentiment_score":0.1382464186598857},{"text":"It doesn't have to be at review time.","start":2657.655,"end":2659.7551,"sentiment":"neutral","sentiment_score":0.08985337149351835},{"text":"And we","start":2660.0552,"end":2660.375,"sentiment":"neutral","sentiment_score":0.1224345974624157}],"sentiment":"neutral","sentiment_score":0.1354109801712536,"channel":0,"num_words":31,"start":2652.215,"end":2660.375},{"sentences":[{"text":"Yep.","start":2660.345,"end":2660.845,"sentiment":"neutral","sentiment_score":0.15759538114070892}],"sentiment":"neutral","sentiment_score":0.15759538114070892,"channel":1,"num_words":1,"start":2660.345,"end":2660.845},{"sentences":[{"text":"can do regular catch ups throughout the year as well.","start":2660.375,"end":2662.695,"sentiment":"neutral","sentiment_score":0.1599762223660946},{"text":"I know you know you've gone through that initial implementation stage.","start":2662.695,"end":2666.26,"sentiment":"neutral","sentiment_score":0.10184256055138328},{"text":"Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months?","start":2666.72,"end":2674.88,"sentiment":"neutral","sentiment_score":0.09790646239663615},{"text":"How would you like me to kind of move forward for you?","start":2674.88,"end":2677.54,"sentiment":"neutral","sentiment_score":0.10214644360045592}],"sentiment":"neutral","sentiment_score":0.10873789351546403,"channel":0,"num_words":66,"start":2660.375,"end":2677.54},{"sentences":[{"text":"No.","start":2678.095,"end":2678.335,"sentiment":"neutral","sentiment_score":-0.000016372650861740112},{"text":"That's fine.","start":2678.335,"end":2678.7349,"sentiment":"neutral","sentiment_score":0.04629429057240486},{"text":"I'd probably say just every six months at this stage is fine.","start":2678.7349,"end":2683.2349,"sentiment":"neutral","sentiment_score":0.0285402899608016}],"sentiment":"neutral","sentiment_score":0.02900371253490448,"channel":1,"num_words":15,"start":2678.095,"end":2683.2349},{"sentences":[{"text":"Six months.","start":2683.395,"end":2684.135,"sentiment":"neutral","sentiment_score":0.022212621755898},{"text":"Yep.","start":2684.275,"end":2684.775,"sentiment":"neutral","sentiment_score":0.13216480612754822}],"sentiment":"neutral","sentiment_score":0.0588633498797814,"channel":0,"num_words":3,"start":2683.395,"end":2684.775},{"sentences":[{"text":"Yeah.","start":2684.575,"end":2684.815,"sentiment":"neutral","sentiment_score":0.17483261227607727},{"text":"I think that's fine.","start":2684.815,"end":2685.9548,"sentiment":"neutral","sentiment_score":0.26129963994026184}],"sentiment":"neutral","sentiment_score":0.24400623440742492,"channel":1,"num_words":5,"start":2684.575,"end":2685.9548},{"sentences":[{"text":"Beautiful.","start":2686.435,"end":2686.935,"sentiment":"positive","sentiment_score":0.6159975528717041},{"text":"Not a problem at all.","start":2687.075,"end":2687.955,"sentiment":"positive","sentiment_score":0.38539642095565796},{"text":"And if that ever changes, you let me know.","start":2687.955,"end":2689.715,"sentiment":"neutral","sentiment_score":0.23958803878890145},{"text":"I'm more than happy to update that for you there as well, Andrew.","start":2689.715,"end":2692.695,"sentiment":"positive","sentiment_score":0.5667409621752225},{"text":"Okay.","start":2692.835,"end":2693.335,"sentiment":"positive","sentiment_score":0.3381741940975189}],"sentiment":"positive","sentiment_score":0.42776133479743167,"channel":0,"num_words":29,"start":2686.435,"end":2693.335},{"sentences":[{"text":"Beautiful.","start":2694.3801,"end":2694.8801,"sentiment":"positive","sentiment_score":0.5384531021118164},{"text":"That's basically everything I did need to go through.","start":2695.5,"end":2697.82,"sentiment":"neutral","sentiment_score":0.2915253523323271},{"text":"The only other thing I will attach to your and your review documents is the ongoing service agreement.","start":2697.82,"end":2704.22,"sentiment":"neutral","sentiment_score":0.07606432793868913},{"text":"So you are aware as an ongoing client, we want we do charge a a fee for our services.","start":2704.22,"end":2709.2651,"sentiment":"neutral","sentiment_score":0.040313690312598884},{"text":"It is 1.65% per annum.","start":2709.2651,"end":2711.5251,"sentiment":"neutral","sentiment_score":0.024725254625082016}],"sentiment":"neutral","sentiment_score":0.10424856855892219,"channel":0,"num_words":52,"start":2694.3801,"end":2711.5251},{"sentences":[{"text":"Yep.","start":2712.175,"end":2712.675,"sentiment":"neutral","sentiment_score":0.07307954132556915}],"sentiment":"neutral","sentiment_score":0.07307954132556915,"channel":1,"num_words":1,"start":2712.175,"end":2712.675},{"sentences":[{"text":"That is the per annum amount is a percentage based fee, so it does fluctuate and is linked to performance of your super.","start":2712.5452,"end":2718.705,"sentiment":"neutral","sentiment_score":0.07460458333725514},{"text":"So our ongoing service fee is deducted in smaller monthly increments, and it essentially fluctuates the market.","start":2718.705,"end":2725.07,"sentiment":"neutral","sentiment_score":0.04887179131893551},{"text":"So as a percentage of what's happening with your super, when the market is higher, it does mean that our fee is gonna be a little bit higher as well.","start":2725.07,"end":2732.27,"sentiment":"neutral","sentiment_score":0.03483494619528452},{"text":"But when the market takes a bit of a dip due to external factors, our fee takes a bit of a dip with it as well.","start":2732.27,"end":2737.725,"sentiment":"neutral","sentiment_score":-0.04632088011847092},{"text":"So","start":2737.725,"end":2738.225,"sentiment":"neutral","sentiment_score":0.06655813753604889}],"sentiment":"neutral","sentiment_score":0.02529886092260941,"channel":0,"num_words":97,"start":2712.5452,"end":2738.225},{"sentences":[{"text":"Yep.","start":2738.315,"end":2738.815,"sentiment":"neutral","sentiment_score":0.11528269946575163}],"sentiment":"neutral","sentiment_score":0.11528269946575163,"channel":1,"num_words":1,"start":2738.315,"end":2738.815},{"sentences":[{"text":"that is one benefit to having that sort of fee structure.","start":2738.445,"end":2741.105,"sentiment":"neutral","sentiment_score":0.22462819110263477},{"text":"And as I","start":2741.245,"end":2741.805,"sentiment":"neutral","sentiment_score":0.08765801290671031}],"sentiment":"neutral","sentiment_score":0.19527743863207953,"channel":0,"num_words":14,"start":2738.445,"end":2741.805},{"sentences":[{"text":"Yep.","start":2741.755,"end":2742.255,"sentiment":"neutral","sentiment_score":0.08166501671075821}],"sentiment":"neutral","sentiment_score":0.08166501671075821,"channel":1,"num_words":1,"start":2741.755,"end":2742.255},{"sentences":[{"text":"mentioned, there's an ongoing client paying the ongoing service fee.","start":2741.805,"end":2745.105,"sentiment":"neutral","sentiment_score":0.06845780164003372},{"text":"We're monitoring, looking after your super, but you're also entitled to other services, other advice, and I'll do catch ups with you and see how things going.","start":2745.165,"end":2752.25,"sentiment":"neutral","sentiment_score":0.1799212189184295},{"text":"And you'll have my email as well, so you're more than welcome to email me or let me know when you need anything additional, and I'll make time to sort of make sure I'm there to help and support you moving forward as well.","start":2752.63,"end":2763.175,"sentiment":"neutral","sentiment_score":0.2982685227285732},{"text":"Okay?","start":2763.235,"end":2763.735,"sentiment":"neutral","sentiment_score":0.18996378779411316}],"sentiment":"neutral","sentiment_score":0.22995402091523495,"channel":0,"num_words":82,"start":2741.805,"end":2763.735},{"sentences":[{"text":"Yep.","start":2763.705,"end":2764.205,"sentiment":"neutral","sentiment_score":0.25080448389053345},{"text":"Perfect.","start":2764.265,"end":2764.665,"sentiment":"positive","sentiment_score":0.3486124277114868},{"text":"Thank you.","start":2764.665,"end":2765.405,"sentiment":"positive","sentiment_score":0.7876474261283875}],"sentiment":"positive","sentiment_score":0.5436779409646988,"channel":1,"num_words":4,"start":2763.705,"end":2765.405},{"sentences":[{"text":"All good.","start":2765.7952,"end":2766.195,"sentiment":"positive","sentiment_score":0.7380508482456207},{"text":"Did you have any questions?","start":2766.195,"end":2767.395,"sentiment":"neutral","sentiment_score":0.2570990175008774},{"text":"I know I asked you everything under the sun.","start":2767.395,"end":2769.395,"sentiment":"neutral","sentiment_score":0.15005740688906777},{"text":"Did you have any other questions or anything else you wanted me to touch on for the moment at all?","start":2769.715,"end":2774.5352,"sentiment":"neutral","sentiment_score":0.09686683863401413}],"sentiment":"neutral","sentiment_score":0.16804028385215336,"channel":0,"num_words":36,"start":2765.7952,"end":2774.5352},{"sentences":[{"text":"No.","start":2775.05,"end":2775.29,"sentiment":"neutral","sentiment_score":-0.1221754401922226},{"text":"That's fine.","start":2775.29,"end":2776.03,"sentiment":"neutral","sentiment_score":0.037616852670907974},{"text":"I think I think the trust is there.","start":2776.25,"end":2777.49,"sentiment":"neutral","sentiment_score":0.1791936345398426},{"text":"I was more just curious in a general sense what","start":2777.49,"end":2779.69,"sentiment":"neutral","sentiment_score":0.026956398412585257}],"sentiment":"neutral","sentiment_score":0.0788653012187708,"channel":1,"num_words":21,"start":2775.05,"end":2779.69},{"sentences":[{"text":"Yes.","start":2779.39,"end":2779.79,"sentiment":"neutral","sentiment_score":0.12548542022705078},{"text":"Absolutely.","start":2779.79,"end":2780.29,"sentiment":"neutral","sentiment_score":0.22100812196731567}],"sentiment":"neutral","sentiment_score":0.17324677109718323,"channel":0,"num_words":2,"start":2779.39,"end":2780.29},{"sentences":[{"text":"where it's at and and what the plans were.","start":2779.93,"end":2781.77,"sentiment":"neutral","sentiment_score":0.18339193363984427},{"text":"So, yeah, happy","start":2781.77,"end":2782.65,"sentiment":"positive","sentiment_score":0.4451213876406352}],"sentiment":"neutral","sentiment_score":0.24882429714004198,"channel":1,"num_words":12,"start":2779.93,"end":2782.65},{"sentences":[{"text":"Beautiful.","start":2782.43,"end":2782.93,"sentiment":"positive","sentiment_score":0.530921459197998}],"sentiment":"positive","sentiment_score":0.530921459197998,"channel":0,"num_words":1,"start":2782.43,"end":2782.93},{"sentences":[{"text":"to see those recommendations and go from there.","start":2782.65,"end":2785.145,"sentiment":"positive","sentiment_score":0.34812070429325104},{"text":"But apart from","start":2785.145,"end":2785.785,"sentiment":"neutral","sentiment_score":0.019230339676141742}],"sentiment":"neutral","sentiment_score":0.2584233321249485,"channel":1,"num_words":11,"start":2782.65,"end":2785.785},{"sentences":[{"text":"Beautiful.","start":2785.71,"end":2786.21,"sentiment":"neutral","sentiment_score":0.03615869581699371}],"sentiment":"neutral","sentiment_score":0.03615869581699371,"channel":0,"num_words":1,"start":2785.71,"end":2786.21},{"sentences":[{"text":"that, I'd probably only just reach out for","start":2785.785,"end":2788.285,"sentiment":"neutral","sentiment_score":0.017343985964544117}],"sentiment":"neutral","sentiment_score":0.017343985964544117,"channel":1,"num_words":8,"start":2785.785,"end":2788.285},{"sentences":[{"text":"Absolutely.","start":2788.685,"end":2789.185,"sentiment":"neutral","sentiment_score":0.014570290222764015}],"sentiment":"neutral","sentiment_score":0.014570290222764015,"channel":0,"num_words":1,"start":2788.685,"end":2789.185},{"sentences":[{"text":"curiosity or if I wanna pick your brain on on a particular, like, personal piece of advice.","start":2789.225,"end":2794.665,"sentiment":"neutral","sentiment_score":0.10290916636586189},{"text":"But apart from that, all good for now?","start":2794.665,"end":2796.445,"sentiment":"neutral","sentiment_score":0.15011906111612916}],"sentiment":"neutral","sentiment_score":0.11801633268594741,"channel":1,"num_words":25,"start":2789.225,"end":2796.445},{"sentences":[{"text":"Absolutely.","start":2796.7651,"end":2797.2651,"sentiment":"positive","sentiment_score":0.34441375732421875},{"text":"Not a problem at all.","start":2797.645,"end":2798.605,"sentiment":"positive","sentiment_score":0.3426655769348145},{"text":"Well, I'll get that email out to you there with PDF documents.","start":2798.605,"end":2801.8,"sentiment":"neutral","sentiment_score":0.2697289288043976},{"text":"There's a couple of things around the SMA for you, and also the details for the solicitor, and I'll get you any review documents popped together and sent out in a separate email for you to","start":2801.8,"end":2810.8398,"sentiment":"neutral","sentiment_score":0.2321588873035378}],"sentiment":"neutral","sentiment_score":0.2528186801958967,"channel":0,"num_words":54,"start":2796.7651,"end":2810.8398},{"sentences":[{"text":"Yep.","start":2810.8,"end":2811.255,"sentiment":"neutral","sentiment_score":0.1265014410018921}],"sentiment":"neutral","sentiment_score":0.1265014410018921,"channel":1,"num_words":1,"start":2810.8,"end":2811.255},{"sentences":[{"text":"review, have a look at, and just assign a return back for me when you are ready to as well.","start":2810.8398,"end":2815.0798,"sentiment":"neutral","sentiment_score":0.2117902457714081},{"text":"Okay?","start":2815.0798,"end":2815.5798,"sentiment":"neutral","sentiment_score":0.17954525351524353}],"sentiment":"neutral","sentiment_score":0.21025476994968595,"channel":0,"num_words":21,"start":2810.8398,"end":2815.5798},{"sentences":[{"text":"Perfect.","start":2815.4148,"end":2815.9148,"sentiment":"positive","sentiment_score":0.7183324098587036},{"text":"Sounds good.","start":2815.9749,"end":2816.535,"sentiment":"positive","sentiment_score":0.751705527305603},{"text":"Will do.","start":2816.535,"end":2817.1948,"sentiment":"positive","sentiment_score":0.695850670337677}],"sentiment":"positive","sentiment_score":0.7226889610290528,"channel":1,"num_words":5,"start":2815.4148,"end":2817.1948},{"sentences":[{"text":"Thank you so much for your time, Andrew.","start":2817.695,"end":2819.2952,"sentiment":"positive","sentiment_score":0.8313642144203186},{"text":"I really appreciate it.","start":2819.2952,"end":2820.2551,"sentiment":"positive","sentiment_score":0.8675524741411209},{"text":"I hope you have a lovely afternoon.","start":2820.2551,"end":2821.875,"sentiment":"positive","sentiment_score":0.7987275208745684}],"sentiment":"positive","sentiment_score":0.8269587504236322,"channel":0,"num_words":19,"start":2817.695,"end":2821.875},{"sentences":[{"text":"Yep.","start":2822.2148,"end":2822.4548,"sentiment":"neutral","sentiment_score":0.17541339993476868},{"text":"No.","start":2822.4548,"end":2822.6948,"sentiment":"neutral","sentiment_score":-0.01250818371772766},{"text":"Will do.","start":2822.6948,"end":2823.015,"sentiment":"neutral","sentiment_score":0.19143731892108917},{"text":"Thanks again for your time, and we'll chat soon.","start":2823.015,"end":2824.9548,"sentiment":"positive","sentiment_score":0.5048826436201731}],"sentiment":"positive","sentiment_score":0.3915172035877521,"channel":1,"num_words":13,"start":2822.2148,"end":2824.9548},{"sentences":[{"text":"No worries.","start":2825.4211,"end":2826.061,"sentiment":"neutral","sentiment_score":0.15770281106233597},{"text":"Talk soon.","start":2826.061,"end":2826.541,"sentiment":"neutral","sentiment_score":0.1792888045310974},{"text":"See you later.","start":2826.541,"end":2827.361,"sentiment":"neutral","sentiment_score":0.2966999312241872}],"sentiment":"neutral","sentiment_score":0.22344043212277548,"channel":0,"num_words":7,"start":2825.4211,"end":2827.361},{"sentences":[{"text":"Thanks, Dana.","start":2827.591,"end":2828.231,"sentiment":"positive","sentiment_score":0.5314263105392456},{"text":"Bye.","start":2828.231,"end":2828.731,"sentiment":"neutral","sentiment_score":0.3321366310119629}],"sentiment":"positive","sentiment_score":0.4649964173634847,"channel":1,"num_words":3,"start":2827.591,"end":2828.731},{"sentences":[{"text":"Bye.","start":2828.781,"end":2829.281,"sentiment":"neutral","sentiment_score":-0.08448852598667145}],"sentiment":"neutral","sentiment_score":-0.08448852598667145,"channel":0,"num_words":1,"start":2828.781,"end":2829.281}]},"summary":{"result":"success","short":"The Oakey Financial representative, Andrew, discusses his annual reviews and updates the customer on his investment strategy. They talk about the downturn in gold markets and the potential for repositioning investments. The speaker suggests exploring different investment options and emphasizes the importance of maintaining exposure to Australian equities and diversifying the portfolio. They also discuss the benefits of a new investment product and offer advice on personal investments and debt reduction. The agent provides advice on protecting assets and advises the customer to review review documents and assign a return back for the speaker."},"intents":{"segments":[{"text":"Well, as part of today's annual review at all, did you have any particular questions or anything that you were wanting to sort of touch on or had to ask me while you had me here as well? Yeah.","start_word":351,"end_word":389,"intents":[{"intent":"Receive feedback","confidence_score":0.0026680985}]},{"text":"We'll send some annual review documents to you as well so you can have a bit of a look at everything.","start_word":525,"end_word":545,"intents":[{"intent":"Send annual review documents","confidence_score":0.5140663}]},{"text":"when I sort of track the performance because you came on board around about sort of June, so you've almost been there for about twelve months. Yeah.","start_word":549,"end_word":575,"intents":[{"intent":"Track performance","confidence_score":0.35437253},{"intent":"Track performance","confidence_score":0.17625101}]},{"text":"It is notably part of the cycle where we're gonna see it down for a bit. But from kind of I'm just doing an updated reports. So that was up until kind of this early this month. From the April 1 onwards, I'm just updating the report for you Thanks for that.","start_word":710,"end_word":761,"intents":[{"intent":"Update investment reports","confidence_score":0.0030349416}]},{"text":"But from kind of I'm just doing an updated reports. So that was up until kind of this early this month. From the April 1 onwards, I'm just updating the report for you Thanks for that.","start_word":725,"end_word":760,"intents":[{"intent":"Update reports","confidence_score":0.51319903}]},{"text":"Because when we do rebalance or change investments within your super fund, we are cementing losses and or gains.","start_word":1400,"end_word":1418,"intents":[{"intent":"Rebalance investments","confidence_score":0.071238294}]},{"text":"So we can be utilizing some of the dips the market's seeing some of the losses your portfolio has to offset some of the gains, which can help to reduce the tax consequences of altering the portfolio.","start_word":1420,"end_word":1456,"intents":[{"intent":"Maximize portfolio benefits","confidence_score":0.002085298}]},{"text":"The main reason we haven't been able to move any of these investors now is that when you came on board originally, you were given the statement of advice that noted exactly what you were gonna be invested in within those percentages and where the money was to be allocated to. So we actually can't just change those investments without updating the advice for you. Yeah. But Right.","start_word":1991,"end_word":2058,"intents":[{"intent":"Evaluate investments","confidence_score":0.03007249}]},{"text":"Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments? How do you sort of feel about that? Yeah.","start_word":2311,"end_word":2379,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.043519914}]},{"text":"So because we're Yep. financial advisers, in order for us to in to build an investment option, we need to incorporate investment analysts and investment team members and things like that to make sure that the investors are working correctly and to help us pick and choose. So we basically use them, use our analysts, use our investment team, and use our investment products to help Ultra and make some changes to the portfolio. Yep.","start_word":2592,"end_word":2666,"intents":[{"intent":"Consolidate investment plan","confidence_score":0.0002533916}]},{"text":"What I can do, if you like, is I can go back and have a look at your current portfolio. I can look at what it looks like to maybe just swap a couple of investments out, look at the tax consequences, look at the overall performance of how that might look moving forward.","start_word":3009,"end_word":3062,"intents":[{"intent":"Evaluate portfolio potential","confidence_score":0.0027888555}]},{"text":"And that kind of explains a lot around the partnership and the SMA and the product itself. Does that make sense? Yeah.","start_word":3621,"end_word":3642,"intents":[{"intent":"Evaluate partnership","confidence_score":0.005040312}]},{"text":"have been looking at the different options for investments with your current with your current portfolio.","start_word":3710,"end_word":3725,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.09732145}]},{"text":"We kinda diversify not just by one or two companies in Europe. We tend to diversify by looking at all of them Yep. because some European companies follow Yep. suit with, say, Australia and US ex market equity markets, but others don't.","start_word":4280,"end_word":4321,"intents":[{"intent":"Evaluate sector diversification","confidence_score":0.000027520346}]},{"text":"And I make a point of Yep. looking at these sort of things every day because, like you, I invest in my super, but I also Yep. have investments in my own name as well. So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions.","start_word":4576,"end_word":4634,"intents":[{"intent":"Highlight yep's impact on yep's investments","confidence_score":0.0012940752}]},{"text":"And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that.","start_word":5113,"end_word":5139,"intents":[{"intent":"Evaluate inflation impact","confidence_score":0.009572195}]},{"text":"Well, that's basically giving you an update there. And now having a look, I'll give you an update of your balance at the moment as well.","start_word":5612,"end_word":5637,"intents":[{"intent":"Update balance","confidence_score":0.075382374}]},{"text":"Is that is that report just taken from Hub twenty four that I'd be able to Yeah. get access to myself? Or Yeah. Yeah. You should do. When you log in, you should have just a section where it's got account reporting. If you've got that section that you can kinda click on and go in and sort of see all the different reports that can be provided.","start_word":5846,"end_word":5913,"intents":[{"intent":"Provide reports","confidence_score":0.0049852193}]},{"text":"get access to myself? Or Yeah.","start_word":5863,"end_word":5868,"intents":[{"intent":"Get access to myself","confidence_score":0.030853331}]},{"text":"So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments. If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well.","start_word":6272,"end_word":6330,"intents":[{"intent":"Provide advice","confidence_score":0.28234935}]},{"text":"So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments. If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well. Yep.","start_word":6272,"end_word":6331,"intents":[{"intent":"Refer to adviser","confidence_score":0.25224355}]},{"text":"So I can I'll also send you a copy of the financial services guide. And in Yep.","start_word":6401,"end_word":6417,"intents":[{"intent":"Send copy of guide","confidence_score":0.054189116}]},{"text":"So you're more than welcome to ask me for any assistance you need. If Yep.","start_word":6493,"end_word":6507,"intents":[{"intent":"Ask for assistance","confidence_score":0.11332009}]},{"text":"My situation is fine, so no issues Perfect. at the moment.","start_word":6561,"end_word":6571,"intents":[{"intent":"Discuss situation","confidence_score":0.011971178}]},{"text":"I'm more than happy to go out there and do the extra work and provide you with as much information as possible. Okay? Awesome.","start_word":6616,"end_word":6639,"intents":[{"intent":"Provide information","confidence_score":0.7483394}]},{"text":"I just wanted to go through and update any of your circumstances as well. Just double checking with regards to your work. Are you still working as a civil estimator? Has there been any changes to your your job or your role? No.","start_word":6650,"end_word":6692,"intents":[{"intent":"Update situation","confidence_score":0.26612508}]},{"text":"Income wise, have you had an increase in income at all? A bit of a pay rise there?","start_word":6700,"end_word":6717,"intents":[{"intent":"Check income","confidence_score":0.5713342}]},{"text":"Just having a quick look at your certificate of currency as well just to make sure that that's sort of all in line because with insurance wise, you've got your income protection policy through Wang and Path there, and that's paid out of super. I'm just making sure.","start_word":6781,"end_word":6828,"intents":[{"intent":"Discuss policy changes","confidence_score":0.010225004}]},{"text":"just make sure we're make confirming that the amount you're covered for is in line with what you're able to claim, but then also making sure that we're not eating too much away of your super. Because at the end of the day, you wanna retire and have super debt to cover your living expenses in retirement. So Yep.","start_word":7228,"end_word":7286,"intents":[{"intent":"Verify coverage","confidence_score":0.0026234693}]},{"text":"I'll make sure there's a certificate of currency attached to your annual review docs when I send those out for you as well Yep. just so you've got that to run your eyes over. And, again, let me know if you do happen to have any questions there at all. Okay.","start_word":7292,"end_word":7342,"intents":[{"intent":"Request call","confidence_score":0.0010678982}]},{"text":"So I've got income here about 100 and No. 20,000 at the moment.","start_word":7345,"end_word":7357,"intents":[{"intent":"Check income","confidence_score":0.02000858},{"intent":"Clarify income","confidence_score":0.00034868775}]},{"text":"Maybe if it was a a role change, but I don't wanna leave the company for Yeah.","start_word":7453,"end_word":7469,"intents":[{"intent":"Inquire about role change","confidence_score":0.018197253}]},{"text":"And with the assets and liabilities, I had down here your savings account. I know you probably with purchasing the property, your savings might have changed pretty significantly, but how much do you have in savings at the moment?","start_word":7491,"end_word":7529,"intents":[{"intent":"Describe savings","confidence_score":0.0016139916}]},{"text":"It's still unfortunately in the garage. I've just I've just serviced it last weekend, Yep.","start_word":7626,"end_word":7640,"intents":[{"intent":"Request service","confidence_score":0.0010651592}]},{"text":"and I'm gonna I'm gonna clean it so I figured it out for sale maybe this weekend. So Yeah.","start_word":7642,"end_word":7660,"intents":[{"intent":"Sell property","confidence_score":0.4731176}]},{"text":"How much are you planning to sell it for?","start_word":7661,"end_word":7669,"intents":[{"intent":"Confirm value","confidence_score":0.0068040155}]},{"text":"If she's sort of asking for a rough contents value on the house, but I'd Yeah.","start_word":7743,"end_word":7758,"intents":[{"intent":"Calculate contents value","confidence_score":0.03679307}]},{"text":"say maybe and brand like, brand new value, maybe 30.","start_word":7759,"end_word":7768,"intents":[{"intent":"Discuss new value","confidence_score":0.019030863}]},{"text":"That's perfect. Fantastic.","start_word":7933,"end_word":7935,"intents":[{"intent":"Confirm understanding","confidence_score":0.011371452}]},{"text":"That's all I had noted down here for assets. Is there any other assets you'd note down, any other shares or collections or anything else of value that you'd wanna sort of note? No.","start_word":7936,"end_word":7969,"intents":[{"intent":"Provide information on asset lists","confidence_score":8.829023e-8}]},{"text":"in terms of the the the benefits of paying that off for instead of, you know, putting it towards personal investments. But Yep.","start_word":8053,"end_word":8075,"intents":[{"intent":"Discuss personal investments","confidence_score":0.17311202}]},{"text":"Well, if you like, what I can do is as part of the email, I can send through some information on a local solicitor that we can refer you through to.","start_word":8477,"end_word":8507,"intents":[{"intent":"Send information","confidence_score":0.0012010069}]},{"text":"You're welcome to ask me any questions that you have as well, and we can start there for you if you like. Does that sound okay? Yeah.","start_word":8747,"end_word":8773,"intents":[{"intent":"Answer questions","confidence_score":0.009734191}]},{"text":"With your super, your beneficiary is your legal personal representative. So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be.","start_word":8781,"end_word":8834,"intents":[{"intent":"Include super in will","confidence_score":0.12792514}]},{"text":"thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment. So I'm just having a quick look here at your portfolio. I believe you're in yep. High growth.","start_word":8947,"end_word":9008,"intents":[{"intent":"Review portfolio","confidence_score":0.019068168}]},{"text":"So generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets. But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there.","start_word":9010,"end_word":9053,"intents":[{"intent":"Consider high growth portfolio","confidence_score":0.001254965}]},{"text":"A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns. You're averaging or hoping to get about eight to 10% on a yearly basis. So anything under 8% is seen as underperformance, and anything over that 10% is fantastic.","start_word":9055,"end_word":9099,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.0011337714}]},{"text":"It doesn't have to be at review time. And we Yep. can do regular catch ups throughout the year as well. I know you know you've gone through that initial implementation stage. Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months? How would you like me to kind of move forward for you? No. That's fine.","start_word":9428,"end_word":9507,"intents":[{"intent":"Schedule call","confidence_score":0.000007082391}]},{"text":"And if that ever changes, you let me know. I'm more than happy to update that for you there as well, Andrew. Okay.","start_word":9533,"end_word":9555,"intents":[{"intent":"Update and update information","confidence_score":0.02220682}]},{"text":"So you are aware as an ongoing client, we want we do charge a a fee for our services. It is 1.65% per annum. Yep.","start_word":9584,"end_word":9608,"intents":[{"intent":"Provide fee structure","confidence_score":0.04945149}]}]},"sentiments":{"segments":[{"text":"Hello. Andrew speaking. Hi, Andrew. Rosina from Oakey Financial. How are you today? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.12551483511924744},{"text":"Good day, Sam.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.3452272415161133},{"text":"How about yourself?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.3194677233695984},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":20,"end_word":27,"sentiment":"positive","sentiment_score":0.5317676067352295},{"text":"I had you booked in to go through your annual reviews this morning. Is now still a good time there for you? Yeah. That's fine. No dramas. Yep.","start_word":28,"end_word":55,"sentiment":"neutral","sentiment_score":0.17002640664577484},{"text":"Beautiful. Beautiful.","start_word":56,"end_word":57,"sentiment":"positive","sentiment_score":0.47297942638397217},{"text":"Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yeah. That's fine.","start_word":58,"end_word":89,"sentiment":"neutral","sentiment_score":0.1278098225593567},{"text":"Fantastic.","start_word":90,"end_word":90,"sentiment":"positive","sentiment_score":0.5063812136650085},{"text":"And just to do security there with you as well, we are just discussing your personal information. So just need to confirm your full name, date of birth, and address I should have on file. Yep. Andrew John Smith, excuse me, 07/1997. And my new address is Number 34 Croelgate Court, Merrimack, Q L D 4226. Beautiful.","start_word":91,"end_word":147,"sentiment":"neutral","sentiment_score":0.09777708351612092},{"text":"Thank you so much for that.","start_word":148,"end_word":153,"sentiment":"positive","sentiment_score":0.47669070959091187},{"text":"Did you you've just moved.","start_word":154,"end_word":158,"sentiment":"neutral","sentiment_score":0.20733746886253357},{"text":"That's fantastic.","start_word":159,"end_word":160,"sentiment":"positive","sentiment_score":0.490800142288208},{"text":"Do you purchase or renting? Or Yeah. Yeah. Just moved in late late Yes. last year. Just purchased the place. So, No. yeah, things worked out pretty well, which is nice. So it was a bit of Fantastic. a bit of a bit of a rough buy, but it was I come into the market, Yeah. so I'm pretty happy with that, which is Yeah. good. Yeah. No. Fantastic. Excellent. So that you got it at the right time. All these property prices still keep increasing on us, so I don't know how anyone younger than us is ever gonna be able to buy a property.","start_word":161,"end_word":266,"sentiment":"neutral","sentiment_score":0.014512570574879646},{"text":"It's pretty insane.","start_word":267,"end_word":269,"sentiment":"negative","sentiment_score":-0.36236727237701416},{"text":"Yeah. Yeah. It's pretty crazy. Hey. I feel really sorry for for my friends. Actually, they were looking at the same time, and then Wow. they didn't get in or anything that they like. And now Yeah. it's, you know, six months later, and I think Yep. they've already had to accept spending another under $200 or something on top of what they were Wow. originally looking at. So, Yeah. yeah, it's frustrating. But, anyway. Yeah. Absolutely. No. All good. Well, as part of today's annual review at all, did you have any particular questions or anything that you were wanting to sort of touch on or had to ask me while you had me here as well? Yeah. I think my my main curiosity for today, obviously, you guys are are mostly managing my super Yes. for me. Yes. I think I was more just curious in regards of, like, performance to date. I I can't recall how long it's been now. I feel like it's probably at least been you have to correct me maybe. I I know it's been over six months. I don't know if it's been ever been with you guys for twelve months now. I'm not too sure. But Not quite. No. That's okay. Not quite twelve months. But, no, that's absolutely fine.","start_word":270,"end_word":488,"sentiment":"neutral","sentiment_score":-0.08271857330652133},{"text":"We're more than happy to do that.","start_word":489,"end_word":495,"sentiment":"positive","sentiment_score":0.7210561633110046},{"text":"I'll actually touch yep. on that first if you like because I have to have a bit of a look around, and we'll obviously send that after the call. We'll send some annual review documents to you as well so you can have a bit of a look at everything. Yep. But Cool. when I sort of track the performance because you came on board around about sort of June, so you've almost been there for about twelve months. Yeah. Cool. Admittedly, and with what's happening in the market at the moment is extremely volatile out there currently. Okay. So Yeah. with your Sure. super, when we sort of put the funds in, we had seen some really good growth. It was pretty steady right up until about sort of October. And then around about November, December, we've sort of seen a little bit of volatility with sort of rising interest rates, and we had a bit Yep. of increased inflation there and few some tensions between The US and China. Yep. And then from this year, from January onwards, we have seen a bit more of a drop there.","start_word":496,"end_word":685,"sentiment":"neutral","sentiment_score":0.004652382340282202},{"text":"So your portfolio is currently down.","start_word":686,"end_word":691,"sentiment":"negative","sentiment_score":-0.4511984586715698},{"text":"Okay.","start_word":692,"end_word":692,"sentiment":"neutral","sentiment_score":-0.2647036910057068},{"text":"From inception, it is showing a negative of 3%. So it is down at the moment.","start_word":693,"end_word":708,"sentiment":"negative","sentiment_score":-0.3653513491153717},{"text":"It is notably part of the cycle where we're gonna see it down for a bit. But from kind of I'm just doing an updated reports. So that was up until kind of this early this month. From the April 1 onwards, I'm just updating the report for you Thanks for that.","start_word":709,"end_word":760,"sentiment":"neutral","sentiment_score":-0.01275018695741892},{"text":"Appreciate because we that.","start_word":761,"end_word":764,"sentiment":"positive","sentiment_score":0.5364388227462769},{"text":"have no. That's okay.","start_word":765,"end_word":768,"sentiment":"neutral","sentiment_score":0.17100106179714203},{"text":"It's not a problem at all.","start_word":769,"end_word":774,"sentiment":"positive","sentiment_score":0.3697356879711151},{"text":"I do wanna be honest with you and make sure that you're you know, what's happening with your sleep. I never wanna hide anything from you. And Yep. when we are down, we do notice it is down. It's because the entire market is down as well, and Yep. your sleep is tracking along with how the market does react there. So from sort of the first of this month right up until basically today, you have seen a bit more of a recovery period from your super, and you're up by about 2.95% there from the first of this month. So whilst we sort of saw you going really well, tracking really well along to sort of October, November, then we saw a bit of volatility from January to about the first of this month.","start_word":775,"end_word":910,"sentiment":"neutral","sentiment_score":-0.03354119509458542},{"text":"We've seen a pretty heavy dip in the market with what was happening between The US and Iran.","start_word":911,"end_word":928,"sentiment":"negative","sentiment_score":-0.3670658767223358},{"text":"And Yep. then from sort of the April 1 to now, we've seen a bit more of a 2% increase there for you. So whilst the super is still showing, it is down for the whole year. We Yep. have seen a partial recovery from this one, and I just wanted to maybe look at talking to you about altering some of the investments moving forward. Because Okay. with what has been kinda going on, I have just sort of reviewed everything. And Yep. I did wanna maybe update some of the investments. I have noticed that you've been along Australian equities for this year has been underperforming a little bit. We sort of note that when the market is taking a bit of a dip due to what's happening externally, that's understandable. It's all part of the cycle. However, Yep. Ben along have had some underlying issues with some of their investments, so we are taking a a stance now to remove them out of the portfolio and replace them with something a little bit better. Okay. They're no longer seen as a good a good enough investment to sort of have in there. So we wanna Yep. I do wanna update the advice for you and just remove that, replace it with something else that might be cheaper that has, you know, seen greater track records to try and help that portfolio recover a little bit more. Yep. Just because with what's happening with that investment, generally, it's got nothing to do with what's happening in the market.","start_word":929,"end_word":1188,"sentiment":"neutral","sentiment_score":-0.0922470185905695},{"text":"It's down for a whole another reason. Some of the underlying investments haven't really performed or haven't been going the way they would like.","start_word":1189,"end_word":1212,"sentiment":"negative","sentiment_score":-0.4183255434036255},{"text":"Yeah. Okay. So Which we've which decided one was that? that Sorry. Did you say securities Australian securities or something? Which one was that? yeah. Ben along a say in equities. Okay. Yep. Gotcha. Yeah. Yep. So we're gonna look at removing that. That is a company decision as of now. We've sort of had our investment committee meetings and had a look at everything, and they've decided it is definitely worth getting out of that one. So I do wanna remove that one out of your portfolio there for you. Yeah. And Cool. your bank, yeah, your bank hybrids there, they are more of a defensive investment, but they are in the future being phased out. So while the investments are a little bit up and down at the moment, we could be looking at maneuvering that as well, taking that out and putting something in that's probably got more of a long term track record that isn't gonna be phased out in the future. And Yep. moving that now whilst the portfolio has been a bit of a dip could provide a benefit to you. Because when we do rebalance or change investments within your super fund, we are cementing losses and or gains. So we can be utilizing some of the dips the market's seeing some of the losses your portfolio has to offset some of the gains, which can help to reduce the tax consequences of altering the portfolio.","start_word":1213,"end_word":1455,"sentiment":"neutral","sentiment_score":0.04260420023536486},{"text":"So if you're happy for me to go back and just review the other investments there, everything else looks like it's tracking along really, really nicely. Your physical gold in there has definitely been one of your best performance. Physical gold has been great returns over the past year. It Yep.","start_word":1456,"end_word":1506,"sentiment":"positive","sentiment_score":0.6301515698432922},{"text":"had did see a bit of a a heavy dip in February, but it has come back quite nicely there.","start_word":1507,"end_word":1526,"sentiment":"neutral","sentiment_score":0.30561381578445435},{"text":"So Yep. your portfolio has benefited from that.","start_word":1527,"end_word":1534,"sentiment":"positive","sentiment_score":0.452355682849884},{"text":"I do wanna keep your physical gold in there, but just maybe look at rebalancing that if need be to cement some of the gains that have been seen and have them distributed through the other parts of the portfolio. Okay. Yep. Another kind of benefit to doing that is when we are cementing some of the gains that some of the investments would have, rebalancing your portfolio makes sure you're not overweighted in certain areas or taking on too much risk in other areas of your portfolio. Yep. But with capital gains, you sort of don't benefit from those as a whole until they are cemented. They're paper gains until you actually sell the investors to cement those gains. Yep. So sometimes when there is a, you know, maybe a loss somewhere else, cementing gains in other areas and having that money distributed across other investments means you're buying into the discounted rate of those other investments that are down, and that can provide a benefit moving forward as your portfolio provides recovery there. So definitely wanna maybe update the portfolio for you. Just look at where you are invested, maybe find some investments that are a bit cheaper for you as well, and Yep. see if we can get that portfolio moving out of recovery a little bit more for you. Does that make sense? You have any Yeah. questions? Yeah. Definitely. No. That'll make sense. No issue there. I think Yeah. I think I'm more curious on a on a broader level in terms of, like, the the process you guys go through for the individual picks and and when that gets changed. Like, I know that you've you've technically asked me today to move something, and I'm cool with that. Yeah. Yeah. Is is I imagine you guys would have internal meetings and and in internal actions that you would take anyway because I've I have Mhmm. seen some emails come through from the animation company, Hub twenty four, I think, when some changes Yeah. have been made and some things bought and some of that footage Yeah. So I don't I I don't essentially need to be too involved in that sense in in calls. Like, I I just understand Yeah. that you guys have regular meetings, I presume, Yeah. every maybe, like, month or or so or a couple of weeks to Yeah. to reassess positions and as a whole. Is that is that is that fair to say? Or Yeah. Absolutely. So the investment committee as a as a whole meet every quarter. When there's Yep. something going on the market like what's happening sort of now, they tend to meet on more of a regular basis there. Yep. The main reason we haven't been able to move any of these investors now is that when you came on board originally, you were given the statement of advice that noted exactly what you were gonna be invested in within those percentages and where the money was to be allocated to. So we actually can't just change those investments without updating the advice for you. Yeah. But Right. if it's something that you would like, we also do have a new investment product, which is called an SMA or a separately managed account. And we've actually had that built alongside utilizing BlackRock's investment team. So BlackRock are one of the world's largest investment firms. They have helped us to build this SMA. We utilize our investment managers, the analysts, and things like that. And the idea is that when you look at your super at the moment, you can see all the the investment allocation and where the funds are located. If you were to maybe swap into this SMA, essentially, when you look at your super, you see the OPUSA and what percentage of the SMAs that you are in and the balance. You actually don't see all the underlying investments like what you see here at the moment. Yep. If we were to move you into that, then the benefit of that is that whilst you lose a little bit of visibility of the actual overall investment options that you're in, it does actually allow us a lot more control around maneuvering the investment to say if you were in that and we have been along and it was underperforming, we wouldn't need to update the advice to have that removed. We could just straight up make that change, remove, then along and put something else in its place. You'd probably not even realize that it happened, but your portfolio would just keep kinda sticking along for you. Would you like me to look at something like the separately managed account for you to see if that provides greater benefit knowing we can alter these investments without having to update advice for you, or would you sort of like to see everything in your super when you are looking at it as percentages of all the underlying investments? How do you sort of feel about that? Yeah. Okay. No. I appreciate that. That's lots of lots of take on Yeah. board. I obviously haven't heard of that before. So Yeah. I I would say I think just from my perspective, it's just performance at the end of the day. So and, again, I Yeah. know it's long term performance. I'm not looking for anything snappy. Yeah.","start_word":1535,"end_word":2438,"sentiment":"neutral","sentiment_score":0.07152708898405585},{"text":"So if you think that's a good option, then by all means, I'm happy to explore that.","start_word":2439,"end_word":2455,"sentiment":"positive","sentiment_score":0.4664025902748108},{"text":"Yeah. With that, just just to dumb it down a bit for myself, Yeah. Absolutely. when you say what what does SMA SMA stand for? Sorry. What was that acronym? Separate separately managed account. Okay. And does that mean that you would Yeah. pass over the the management decisions in some sense to another company, or is it just is this, like, is this an actual investment option? Like, it's just, like, Yeah. investing in, like, a company in a sense? Exact Or Yeah. Correct. No. It is it's basically the same as investing in a managed fund, except the managed fund the way it is set up is it's more of an actively managed fund, and we don't hand over the control to BlackRock in any way, shape, or form. They've built it with us. So because we're Yep. financial advisers, in order for us to in to build an investment option, we need to incorporate investment analysts and investment team members and things like that to make sure that the investors are working correctly and to help us pick and choose. So we basically use them, use our analysts, use our investment team, and use our investment products to help Ultra and make some changes to the portfolio. Yep. Okay. It's never decided by them without our team looking at it, so we have Yep. essentially the end say in what happens and how it works and what we wanna sort of see happening. They help us to maneuver where maybe their economist see changes coming in the market, what their analysts say the risk levels are within there, where things might need to change due to what's happening in the market generally. So our advised team gets to utilize them to our advantage to make sure that this estimate product is working correctly. It's Yep. basically the same as investing in, like, a managed fund or something. So with Bennelong as an example, that's a managed fund, and we invest in the Bennelong product, the managed fund product in your super. But inside Bennelong, you have an investment team who are underlying buying and selling investments, picking where investments might need to be changed, what's happening. They're utilizing essentially the same thing as the BlackRock team to do so, and Yep. we're picking that managed funds. By moving into this SMA product, it's essentially our own managed fund, and we utilize the BlackRock team as it's a partnership with them. So they help us to monitor it, look after it, essentially look at what's happening, make changes to it. But at at the end of the day, it's still our product.","start_word":2456,"end_word":2899,"sentiment":"neutral","sentiment_score":0.11275748964315196},{"text":"It's the OPU SMA product.","start_word":2900,"end_word":2904,"sentiment":"positive","sentiment_score":0.36632877588272095},{"text":"Does that make sense? Yeah. Right. Yeah. Okay. Now a little Yeah. bit more.","start_word":2905,"end_word":2918,"sentiment":"neutral","sentiment_score":0.1362265194100993},{"text":"Absolutely.","start_word":2919,"end_word":2919,"sentiment":"positive","sentiment_score":0.48512017726898193},{"text":"Yeah.","start_word":2920,"end_word":2920,"sentiment":"neutral","sentiment_score":0.30341997742652893},{"text":"Definitely.","start_word":2921,"end_word":2921,"sentiment":"positive","sentiment_score":0.4633888006210327},{"text":"Is there it Yeah. sounds like this might be a bit of a new company venture on that front. Is that correct? Is this the It first is. year that's It been absolutely rolling? Yeah.","start_word":2922,"end_word":2956,"sentiment":"neutral","sentiment_score":0.12015794217586516},{"text":"Cool.","start_word":2957,"end_word":2957,"sentiment":"positive","sentiment_score":0.4929923713207245},{"text":"is. Yes.","start_word":2958,"end_word":2959,"sentiment":"neutral","sentiment_score":0.3095943331718445},{"text":"So we've only just kind of rolled out, and it has kind of just rolled out in a good timing because of what's happening in the world generally.","start_word":2960,"end_word":2987,"sentiment":"positive","sentiment_score":0.3734194338321686},{"text":"So it's not Yep. something that everybody wants to be in, and it doesn't work for everyone, and that's absolutely okay. What I can do, if you like, is I can go back and have a look at your current portfolio. I can look at what it looks like to maybe just swap a couple of investments out, look at the tax consequences, look at the overall performance of how that might look moving forward. And then I can also look at the estimate product and then sort of work out which one works better for you, what the tax consequences are, what the benefits, advantages, disadvantages might look like, and I Yep. can update the advice to reflect which way I think we should go and Yep. provide the updated advice for you to review. Does that sound okay? Or Yeah. Perfect. No. That's definitely something I'd be curious Yeah. to see. Whatever information you have or even if you have any I'm not sure what you would call them, like, brochures in the sense of of Yep.","start_word":2988,"end_word":3166,"sentiment":"neutral","sentiment_score":0.0848141610622406},{"text":"this new partnership, then, yeah, I'm more than happy to have a look at it. That'd be good.","start_word":3167,"end_word":3184,"sentiment":"positive","sentiment_score":0.37145301699638367},{"text":"Yeah. Yeah. It's it's what what just roughly, what what percentage again, it's gonna be case by case, you're gonna have to have a look at my actual portfolio. But Yeah. would it be a certain percentage, or would it be maybe you'd look at the underperforming ones in my current portfolio, say they make up about 10% or 20% of the total investments? Would you then would you consider just taking those out and putting that 10% or 20% towards it or are you looking for more or less or what how that sort of gets split up? Yeah. Normally, when I'm still looking at this, I'll I'll either put you wholly into the SMA product or not at all. Okay. Just moving a small percentage into the SMA kind of doubles up on a lot of the investments because some of the investments you have here currently are still in the SMA product. So I Just would to sort be clear of wanna with the move BlackRock you one. Is that right? Sorry. so yeah. Yeah. Yeah. Yeah. Right. Okay. Yeah.","start_word":3185,"end_word":3367,"sentiment":"neutral","sentiment_score":0.006813657597277334},{"text":"So some of these investments are in that product because they are doing really well, and they are worth keeping.","start_word":3368,"end_word":3387,"sentiment":"positive","sentiment_score":0.43940427899360657},{"text":"If Right. we were to move you wholly into that product, any of the investments that are currently in your portfolio that may exist in the SMA product, tend to be in CC transferred over. So it works in a much more of a tax effective way. But Yep. as I said, I can look at working out whether the SMA is gonna work for you, whether it's gonna be cost effective. I also consider tax consequences on your super fund and things like that. And or I can maybe just also look at whether we just move the underperforming investment fee and just do a couple of things, like a little bit of a switch here and keep the portfolio basically intact. Okay. I can look at both options, run the numbers, run the math, and see what it looks like. If you wanted to, at the end of the call, I do also have, like, the product disclosure statement, which essentially outlines a bit more detail around the estimate and the product. And they can even send you, you know, the last, change report that we got as well, which sort of gives you a bit of an idea as to what is currently kind of invested in the in the SMA there, and the PDF document for you to run your eyes over, have a bit of a look at. And that kind of explains a lot around the partnership and the SMA and the product itself. Does that make sense? Yeah.","start_word":3388,"end_word":3642,"sentiment":"neutral","sentiment_score":0.14181633293628693},{"text":"Definitely. That would be good to say. Thank Yep. you. Yeah. Beautiful.","start_word":3643,"end_word":3654,"sentiment":"positive","sentiment_score":0.5462984442710876},{"text":"I'll email those to you after the call, so you're welcome to have a bit of a look at it. If you want, you can then let me know whether you wanted to go ahead and look at the SMA product or whether you just want me to make some alterations here. Yep. I Okay. have been looking at the different options for investments with your current with your current portfolio. I've got a couple of options to sorta consider there. I just need to sit down and do the math and work out the CGT consequences and how that might look for you and just Yep. double check all the the past projections and things like that to make sure it's all gonna work. But we've got a couple of options here that we're able to swap out for you in your current in your current investment portfolio as well to make it easier.","start_word":3655,"end_word":3809,"sentiment":"neutral","sentiment_score":0.1644865870475769},{"text":"So I'm happy to do all the math and look at both Yep. ways for you if you're comfortable Yep.","start_word":3810,"end_word":3829,"sentiment":"positive","sentiment_score":0.46213439106941223},{"text":"with that. Yeah.","start_word":3830,"end_word":3832,"sentiment":"neutral","sentiment_score":0.3088230788707733},{"text":"Perfect. Please do. That'd be good to see. Yeah. Fantastic.","start_word":3833,"end_word":3842,"sentiment":"positive","sentiment_score":0.4731370806694031},{"text":"Is that is that what's the rough turnaround on on all your workings, like, a week or two or how long? I can about two weeks normally. Okay. Yep. Is that okay? Yeah. No. That's fine. That's fine. That's no Yep. dramas. Obviously, it's a long term thing. I appreciate that. I know it's crazy at the moment. Yeah. No. So It's yeah. honestly No. That's fine. fine. Yeah. No. Not a problem at all. Well, even at the end of the call, if you like, I can rebook in a time for you to go through the the advice with me in about two weeks so we have that time logged in, and I'll make sure everything's ready to go for them for you. Okay? Yeah. Yep. Cool. Yep. No.","start_word":3843,"end_word":3973,"sentiment":"neutral","sentiment_score":0.09329567849636078},{"text":"That sounds good.","start_word":3974,"end_word":3976,"sentiment":"positive","sentiment_score":0.36711645126342773},{"text":"I think I did just wanna Beautiful. ask as well, just maybe even just like Yeah. a as a general comment from yourself or or from your Yeah. team. Yeah. What sort of markets and or even specific companies or so on you're sort of looking at or industries you're sort of looking at into the future? What were do you have do you have my portfolio there and what markets I'm in mostly at the moment or or Yeah. could you comment on that? Yeah.","start_word":3977,"end_word":4062,"sentiment":"neutral","sentiment_score":0.08469896330389866},{"text":"Absolutely.","start_word":4063,"end_word":4063,"sentiment":"positive","sentiment_score":0.35010826587677},{"text":"So with the ban along Australian equities one, as I mentioned, we wanna get rid of that, but we wanna keep exposure to the Australian equities.","start_word":4064,"end_word":4089,"sentiment":"neutral","sentiment_score":-0.007901333272457123},{"text":"Australian equities are still doing quite well while we whilst we are sort of seeing that dip, it's still a good place to be. Making Yep.","start_word":4090,"end_word":4115,"sentiment":"positive","sentiment_score":0.3891271054744721},{"text":"sure we diversified in international equities, and there's a lot around The US at the moment with what's happening with Donald Trump and Iran. But there is still a space to be into the S and P 500.","start_word":4116,"end_word":4153,"sentiment":"neutral","sentiment_score":0.18567727506160736},{"text":"I do wanna kinda make sure we keep that in your portfolio. You do have access to that. It does still see long term really good growth. And a lot Yep.","start_word":4154,"end_word":4184,"sentiment":"positive","sentiment_score":0.5071759223937988},{"text":"of what we see in the market, the Australian equities tend to follow suit with The US equities. If you wake up and you've heard Donald Trump tweeted something and The US markets are taking a bit of a dip, you do tend to find we follow suit as well. So Yep. we do wanna keep that exposure heavily there. Realistically, global health care is still a place to kind of make sure we maintain and stay in, and European markets are still really good to sort of make sure we're staying into as well. We kinda diversify not just by one or two companies in Europe. We tend to diversify by looking at all of them Yep. because some European companies follow Yep. suit with, say, Australia and US ex market equity markets, but others don't. And it's also encompassing not just Yep. existing markets, but also up and coming markets as well. Japan is one that has tend to travel or has tend to move not so much in unison with Australian and US markets. We sort of saw last year there was some ups and downs with what's happening back then with companies, and it's waiting at the time that was around March. And we sort of noted then that Japan wasn't moving in the same sort of direction. And, again, this year, it's kind of had that same effect. So I've kind of Yep. watched US and Australian equity markets take a little bit more of a dip. You know, UK markets have sort of followed suit with that one, but then Japan's also got, you know, a lot of extra fuel set aside for their for their for their country. They use a lot of gas as well. So LNG is something we export a lot to Japan. They tend to use a lot more than we do there, and Yep. their investment markets haven't sort of fluctuated as greatly as ours have, and they kind of moved in the opposite direction to ours. So when our markets The US market seem to be down, Japan seems to be doing quite well. In saying that, there's there are times when the markets all kinda drop in unison. We kind of kinda avoid that at all, but this is sort of what we're seeing at the moment. And I make a point of Yep. looking at these sort of things every day because, like you, I invest in my super, but I also Yep. have investments in my own name as well. So it's important to kind of keep an eye on what's happening and how things are traveling so we can kinda make those decisions. Yep. Other areas, cybersecurity is down a little bit at the moment, has had a little bit of a pullback with what's being happening globally. Tech stocks, again, have also had a bit of a dip, But they are still really good investments to have in your portfolio. Your cybersecurity is down a little bit for this year, but it's still a good in investment to have. So we're just sort of noting it as a bit of a dip. Don't wanna remove that. There's no real reason for it to having underperformed like you've been along Australian equities investment. Yep. It's the cybersecurity is down as a whole because of what's happening with tech stocks and what's happening as a whole globally, and Yep. we do see it coming back, which is really important. Other than that, another good place to sorta make sure we have exposure is your precious metals, like gold and silver and things like that. They are growth investments, but they do have a tendency to also work defensively, which is really important as well. So gold has done really well for the past several years. It has a pretty heavy dip in February, but it only lasts a short period of time. And even Yes. with what we're going through at the moment, gold hasn't done too badly at all. Yep. Having gold and silver in your portfolio and I could always look at adding a little bit of silver in there if it's gonna provide a bit more of a, you know, a bit more defensive nature for you as well.","start_word":4185,"end_word":4902,"sentiment":"neutral","sentiment_score":0.0741777705563061},{"text":"But having gold in your portfolio, especially as as a growth asset, we all like it. It does grow in value over the longer term, but it can act defensively.","start_word":4903,"end_word":4932,"sentiment":"positive","sentiment_score":0.348210871219635},{"text":"So when you kinda think back to the GFC or even, say, 2020, when markets equity markets are performing as well, people tend to move money into gold as a bit of a safe haven. So it acts defensively Yep. in those in those times as well, and silver can Yep. do the same thing. You don't have any silver in your portfolio. Currently, I'm happy to look at maybe adding a little bit. It has been sort of an area that a lot of my clients have asked me to look at in recent months. So I can definitely look at other metals and see if there's a way to maybe split the exposure so you're not overexposed to growth investments, but you still have bit of defensive investments in nature there. Defensive investments have taken a little bit of a hit recently, so things like bonds as well because here in Australia with what's happening globally here in Australia, we still have a good jobs market, and inflation has been a little bit too high as well. And inflationary pressures tend to have an effect on fixed interest and bond market, so they have seen a little bit of a dip because of that. We don't normally throughout history don't normally sort of see equity markets and bond markets and fixed interest markets all kinda dipping at the same time. But there are times when, say, inflationary pressures are kind of following a a kinda higher, as well as everything happening globally, which is what we're seeing at the moment.","start_word":4933,"end_word":5194,"sentiment":"neutral","sentiment_score":0.052924526108869614},{"text":"But, we're just kinda hopeful that, you know, in the next few months that that, you know, inflation can come under a bit more control.","start_word":5195,"end_word":5219,"sentiment":"positive","sentiment_score":0.3651959002017975},{"text":"We do know that the jobs market has sort of decreased a little bit slightly. We're just sort of waiting to see what happens with the next RBA meeting and where we go from there and, obviously, what comes out when the government does the next comes out with their budget for the next year. So there's Yep. a few things going on there, but, realistically, none of these areas are bad. They're just all seeing a little bit of volatile time at the moment, and they're also really good to have to still be invested in. This is about taking advantage of the downtimes and investing in when you've got that chance to into the discounted investment rate. Does Yep. that all Yep. make sense? Do you have questions about any of that? Yeah. Definitely. No. That's fine. I was just more curious Yeah. on from a broader scale on Yeah. where it's sort of situated and what you guys are thinking about. Yeah. Yeah. No. I'm Absolutely. I'm not I'm not too much in in the in the field of trying to stipulate or tell you I wanna be in this or that. I'm happy as you know, obviously, you Yeah. have your Yeah. a company wide direction on on one of the best picks are.","start_word":5220,"end_word":5437,"sentiment":"neutral","sentiment_score":0.06579870730638504},{"text":"So I'm happy that that's Yeah.","start_word":5438,"end_word":5443,"sentiment":"positive","sentiment_score":0.37657496333122253},{"text":"if that's reviewed and that's what's been put Yeah.","start_word":5444,"end_word":5452,"sentiment":"neutral","sentiment_score":0.1352512687444687},{"text":"forward to my portfolio, then I'm happy to just ride that wave. So Beautiful. no concern there. Excellent. All good.","start_word":5453,"end_word":5472,"sentiment":"positive","sentiment_score":0.45799094438552856},{"text":"Did you want me to kinda break anything down further, or did you have any other questions in relation to that, or have I answered everything for the moment? Or how's Yeah. No. That's fine. No. No. Yeah. No main problem. I know it's been a bit of a bit of a funny thinking, and there's also a a bit of a unique service. You know, it's not a service you can Yeah. give much of feedback on in in, you know, six or twelve months. Yeah. So That's no. okay. That's fine. Yeah. I'm definitely keen to look at the the the new advice and the reposition and also the other the other service as well when you got some time. Mhmm. Yes. And, yeah, we can go from there. Yeah. Absolutely.","start_word":5473,"end_word":5605,"sentiment":"neutral","sentiment_score":0.06510863453149796},{"text":"Not a problem at all. Perfect.","start_word":5606,"end_word":5611,"sentiment":"positive","sentiment_score":0.4364557266235352},{"text":"Well, that's basically giving you an update there. And now having a look, I'll give you an update of your balance at the moment as well. So do you look at your hub 24 very often? No. Not really. I think I think Yeah. only just recently in the past couple of months signed into it and got set up so I can actually access it and see it. I didn't really see Yep. too much information on there. Like, obviously, I do have, I think, a breakdown on on the companies and the positions. I didn't I didn't really see much in the way of charts or or or detailed information. I don't know if maybe I'm looking on the wrong page, but, yeah, I did get onto that one and have a good look the the other week. Yeah. No. Perfect. Well, your balance at the moment as of yesterday's date, which is the last update here, was 49,197. I can send through a copy of a couple of like, when I send the interview docs through, I'll send through a copy of showing your balance, but I can also send through a couple of portfolio reports for you to have a look at as well to run your eyes over to give you a bit of a view of what's happening as well. Okay. Yep. Yeah. For sure. Yeah. No dramas. Is that is that report just taken from Hub twenty four that I'd be able to Yeah. get access to myself? Or Yeah. Yeah. You should do. When you log in, you should have just a section where it's got account reporting. If you've got that section that you can kinda click on and go in and sort of see all the different reports that can be provided. Worst case, once we have sent this email to you after the call, you've my direct email. You can always email me back, and I can send you regular reports on a regular basis as well just so you can kinda keep seeing where things are going if you like. Oh, okay. Yeah. Sure. No. I won't trouble you that much, but by all means, That's it's good alright.","start_word":5612,"end_word":5982,"sentiment":"neutral","sentiment_score":0.06999246727906147},{"text":"to know that I can reach out to you and go from there.","start_word":5983,"end_word":5995,"sentiment":"positive","sentiment_score":0.393941193819046},{"text":"I think I think because I I I can't recall. I think I might have switched people, but but would you be my designated Yeah. Yep. account manager in a sense at the moment and moving forward indefinitely? Is that fair Absolutely. to say? Yeah. So we Yeah. have just Cool. had a little bit of a restructure around the business instead of up. So I've added you through to my book. If at any point you decide you're no longer comfortable with me as your adviser, just let me know. It's not an issue in any way, shape, That's or form. fine. Yeah. That's But, all yeah, good. moving forward, I'll be the one that looks after you, does the advice, looks Yep. after the portfolio, and things like that. So you're attached to my book. You'll put it to myself, and my admin, Michelle, will be the one that gives you a call regularly to kinda keep things a bit more streamlined for you. Okay? Yep. Yeah. For sure. No dramas. I think the only other thing I was gonna ask today, which is, Anurag, because I know you guys are providing essentially, I signed up for super management. That was the main Yeah. point Yeah. of call, which I'm happy with. But, obviously, you guys are a pretty large financial service company. Am am I fine too? And it's obviously included in the service of managing my super that you guys issue advice for other areas of my life in terms of, like, Yep. personal investments or or or debts Yep. or anything like that? Is that fair to say?","start_word":5996,"end_word":6268,"sentiment":"neutral","sentiment_score":0.1004903883069426},{"text":"That's absolutely correct.","start_word":6269,"end_word":6271,"sentiment":"positive","sentiment_score":0.3714544177055359},{"text":"So as part of our services, we are full licensed advisers, and we can advise in other areas like personal investments. If you're looking at debt management or, like, if it's something trying to have paid any debts quicker and looking at, you know, reducing debts, we can provide advice around that area, cash flow and budgeting as well. Yep. If it's more looking at mortgage side of things, we don't have a credit license, so we do refer you through to a mortgage broker for mortgage assistance. But we can provide advice around helping you to pay your debts down quicker, cash flow and budgeting, personal investment areas. We Yep. do start with the super funds in in as well as insurances and other areas and things here. So I can I'll also send you a copy of the financial services guide. And in Yep. the financial services guide, it outlines all the areas that you can seek advice on with regard to us and what we are Yep. licensed to provide advice on in all those areas. So it can give you a bit of clarity as well. But as being an ongoing client, you're entitled to advice in other areas. We currently don't charge anything for additional advice. It's all part of the Yep. services that we provide. So you're more than welcome to ask me for any assistance you need. If Yep. I can't provide it, if it's outside of my scope, then I'll find out who can and help and make sure if they're you on stem. Okay? Yeah.","start_word":6272,"end_word":6535,"sentiment":"neutral","sentiment_score":0.09052957594394684},{"text":"Perfect. Awesome.","start_word":6536,"end_word":6537,"sentiment":"positive","sentiment_score":0.38234519958496094},{"text":"No no dramas at the moment. I Excellent. think it's more just curiosity in that sense. Yeah. That's But, fine. yeah, no. My situation is fine, so no issues Perfect. at the moment.","start_word":6538,"end_word":6570,"sentiment":"neutral","sentiment_score":0.11342731366554896},{"text":"Absolutely. I do a lot of cash on budgeting advice and debt reductions and things like that here.","start_word":6571,"end_word":6588,"sentiment":"positive","sentiment_score":0.3656867444515228},{"text":"So if there's Okay. ever any questions you have, even if it's just general information or things like that or you need some tools, let me know.","start_word":6589,"end_word":6615,"sentiment":"neutral","sentiment_score":0.1563480943441391},{"text":"I'm more than happy to go out there and do the extra work and provide you with as much information as possible.","start_word":6616,"end_word":6637,"sentiment":"positive","sentiment_score":0.6434635519981384},{"text":"Okay?","start_word":6638,"end_word":6638,"sentiment":"neutral","sentiment_score":0.24329116940498352},{"text":"Awesome.","start_word":6639,"end_word":6639,"sentiment":"positive","sentiment_score":0.4503451585769654},{"text":"Yeah. No.","start_word":6640,"end_word":6641,"sentiment":"neutral","sentiment_score":0.2399865090847015},{"text":"That all sounds pretty good. Amazing. Beautiful. Fantastic.","start_word":6642,"end_word":6649,"sentiment":"positive","sentiment_score":0.5108340978622437},{"text":"I just wanted to go through and update any of your circumstances as well. Just double checking with regards to your work. Are you still working as a civil estimator? Has there been any changes to your your job or your role? No. Same position. The same position? Beautiful. Yep. Income wise, have you had an increase in income at all? A bit of a pay rise there? I don't think in the past ten months. I think it's No. still is it still $1.20 gross salary? Is that I correct? gross I had here yes. So when we did your insurance application, there was a bit of a change in your income at the time, and Yep. it went up That's to about alright. 120. Yeah. Yep. Perfect. Cool. Sweet. Just having a quick look at your certificate of currency as well just to make sure that that's sort of all in line because with insurance wise, you've got your income protection policy through Wang and Path there, and that's paid out of super. I'm just making sure. So you're on about a 120,000 at the moment, and that means your sum insured monthly benefit and that insurable's about 7,000.","start_word":6650,"end_word":6850,"sentiment":"neutral","sentiment_score":0.05386272072792053},{"text":"So your income protection is still in line with your income, which is fantastic.","start_word":6851,"end_word":6864,"sentiment":"positive","sentiment_score":0.3912000060081482},{"text":"And if you do happen to get any additional pay rises and you wanna kinda look at altering that, just let Yep. me know, and we can have that conversation and look at what that might look like for Yep. you. Okay?","start_word":6865,"end_word":6906,"sentiment":"neutral","sentiment_score":0.0851878896355629},{"text":"Perfect. Beautiful.","start_word":6907,"end_word":6908,"sentiment":"positive","sentiment_score":0.3948111832141876},{"text":"With your income protection policy there, it does have a ninety day waiting period. It just means that if you're off work for any particular time, let us know as soon as you're off for an injury or illness. We'll kind of help you to monitor that time frame. Yep. But since that ninety days hit, then you can claim on the income protection. We get the documents back to the insurer nice and quickly, and they tend to assess and make the first payment within the next sort of thirty days. Yeah. And you've Well, got okay. an age 65 benefit period, so that means that if you're off work, you can be off work up into the age of 65. So we'd Yeah. Right. hope nothing happens. It's always the worst thing with insurance is you're paying the premiums hoping you never have to claim. Yep. But it is it is good to know that if anything did happen, you can essentially receive the income protection policy or the monthly benefit after tax up until the age of 65. So you don't have to touch your super until that point if anything was to occur. Okay. Yep.","start_word":6909,"end_word":7107,"sentiment":"neutral","sentiment_score":0.062072696379530966},{"text":"Perfect. Awesome. Beautiful.","start_word":7108,"end_word":7110,"sentiment":"positive","sentiment_score":0.5719588994979858},{"text":"The current premium for this one is $792.76. As you get older and closer to retirement age, as you get older, the risk of you making a claim increases. So these insurance policies do get more expensive over time. So each year it goes through renewal, which is around about June this year. You'll see the renewal will come out. The price will have gone up just slightly. We'll make sure every year we're doing reviews and checking those to make sure they're not costing you heat. Because Yes.","start_word":7111,"end_word":7199,"sentiment":"neutral","sentiment_score":-0.10895049571990968},{"text":"as you get kind of into your forties and fifties insurance things, especially income protection become very expensive and can be detrimental to your super.","start_word":7200,"end_word":7224,"sentiment":"negative","sentiment_score":-0.3694903254508972},{"text":"So we'll Yep. just make sure we're make confirming that the amount you're covered for is in line with what you're able to claim, but then also making sure that we're not eating too much away of your super. Because at the end of the day, you wanna retire and have super debt to cover your living expenses in retirement. So Yep. yeah.","start_word":7225,"end_word":7287,"sentiment":"neutral","sentiment_score":-0.013416437432169914},{"text":"Perfect.","start_word":7288,"end_word":7288,"sentiment":"positive","sentiment_score":0.4646400809288025},{"text":"Okay.","start_word":7289,"end_word":7289,"sentiment":"neutral","sentiment_score":0.300989031791687},{"text":"Beautiful.","start_word":7290,"end_word":7290,"sentiment":"positive","sentiment_score":0.5863202810287476},{"text":"I'll make sure there's a certificate of currency attached to your annual review docs when I send those out for you as well Yep. just so you've got that to run your eyes over. And, again, let me know if you do happen to have any questions there at all. Okay.","start_word":7291,"end_word":7341,"sentiment":"neutral","sentiment_score":0.12918421626091003},{"text":"Awesome. Yeah. Excellent.","start_word":7342,"end_word":7344,"sentiment":"positive","sentiment_score":0.5369948148727417},{"text":"So I've got income here about 100 and No. 20,000 at the moment. Are you expecting to get a bit of a pay rise in the new financial It year, or do you have any kind of review coming up for work where you might get a pay rise? sounds good. No. I'd say probably No. not. I think I've already I've already Yeah. had I think I've already had three rises in the past three years, and I think the position Yep. at the moment is as, like, the top of the department. So I don't I don't really see much in in the way of that. Maybe if it was a a role change, but I don't wanna leave the company for Yeah. the rest of the No. year. So I think everything's pretty fine as it is at the moment. Yep.","start_word":7345,"end_word":7488,"sentiment":"neutral","sentiment_score":-0.02198501862585545},{"text":"Beautiful. Beautiful.","start_word":7489,"end_word":7490,"sentiment":"positive","sentiment_score":0.4490579962730408},{"text":"And with the assets and liabilities, I had down here your savings account. I know you probably with purchasing the property, your savings might have changed pretty significantly, but how much do you have in savings at the moment? It's a bit of a funny one. I think hard to say. Hey. I think maybe 20 flat is in savings. Yes. Yes. Yeah. Beautiful. But I think I've I think it's because I've put down the the deposit for the house and then overpaid the mortgage. So I think there's there are some funds there in Yep. to redraw if needed, but, yeah, technically, 20 at the moment. Yep. That's okay.","start_word":7491,"end_word":7601,"sentiment":"neutral","sentiment_score":-0.01780848205089569},{"text":"Perfect. Excellent.","start_word":7602,"end_word":7603,"sentiment":"positive","sentiment_score":0.4751179218292236},{"text":"And I've also got in here we had a motorcycle. You were planning to sell that. Have you still got your motorcycle? It's still unfortunately in the garage. I've just I've just serviced it last weekend, Yep. and I'm gonna I'm gonna clean it so I figured it out for sale maybe this weekend. So Yeah.","start_word":7604,"end_word":7659,"sentiment":"neutral","sentiment_score":0.006003219334940825},{"text":"Nice.","start_word":7660,"end_word":7660,"sentiment":"positive","sentiment_score":0.47863247990608215},{"text":"How much are you planning to sell it for? I think maybe 15 is is pretty fair for it. About 15. Yeah.","start_word":7661,"end_word":7682,"sentiment":"neutral","sentiment_score":0.14911772310733795},{"text":"Beautiful. Fantastic.","start_word":7683,"end_word":7684,"sentiment":"positive","sentiment_score":0.7450666427612305},{"text":"And then I also had contents down here. What do you do you now have contents insurance now that you've purchased your property? Yeah. Correct. So I've got home and contents. It's I think I bumped up the the total I think I bumped up the total amount of I'm not too sure what the figure would be. If she's sort of asking for a rough contents value on the house, but I'd Yeah. say maybe and brand like, brand new value, maybe 30. It's it's Yep. kind of hard to say. Like, there's a lot of tools and secondhand things I've purchased in electronics, which aren't Yep. yeah. Which I haven't bought a full valuable and secondhand and that sort of thing. So it'd be hard to comment on. But, yeah, That's maybe 30 okay. 30 It's new. a difficult one, isn't it? Yeah. I just hate it too That's because I know that I was like I've spent so much time shopping on marketplace and getting deals and all that sort of thing. I've got secondhand everything, secondhand TV. But I think if I had to make a claim, they would they would view it as like, oh, well, the TV's worth $2, not $500. So that the $2 comes off the 30 k. So I was a bit worried about capping it out even though nothing's really worth. Yes. They're Yes. they're brand new rates, but, yeah, maybe just 30 is a safe number. Yep.","start_word":7685,"end_word":7932,"sentiment":"neutral","sentiment_score":-0.026426339522004128},{"text":"That's perfect. Fantastic.","start_word":7933,"end_word":7935,"sentiment":"positive","sentiment_score":0.5069915652275085},{"text":"That's all I had noted down here for assets. Is there any other assets you'd note down, any other shares or collections or anything else of value that you'd wanna sort of note? No. That's fine. It's just a car, bike, cash. I mean, the money in the mortgage is just, like, written off in my head anyway, and then Yep. home assets. I think that's pretty much everything. I don't have any other investment accounts. I think everything else has been sort of pulled and will be Yeah. pulled to my debt for Okay. the house. Yeah. Which is something, I think, which is something that I might touch on with you down the road Yep. in terms of the the the benefits of paying that off for instead of, you know, putting it towards personal investments. But Yep. that's a Absolutely. that's a later chat, but I think that that covers everything. Yeah. No. Definitely. When you are ready, let me know. We can definitely have that conversation. I can always do research around what personal investments might look like versus paying your mortgage down and sorta weigh out the benefit and provide the advice that way. But, yeah, we can Yep.","start_word":7936,"end_word":8139,"sentiment":"neutral","sentiment_score":0.050519589992130506},{"text":"absolutely do that for you.","start_word":8140,"end_word":8144,"sentiment":"positive","sentiment_score":0.38712430000305176},{"text":"Not a Awesome. problem at all. With your car, what's the value would you put on the car now? Do you think? Cool. Definitely dropped quite a bit. Maybe just go it'd be more than 15. I wanna say between 20. Maybe just go 17, I think, 70. or 18. Beautiful. And with the value on the house, what's the value we'd put on the property now? Like, the purchase price or, like, the the theproperty.com, like, average, like, expected sale price now? Yeah. So we kind of go on what would it be to you. So if you had to sell the property tomorrow, what would you want for it? What value is it to you? Oh, maybe 900. Yep.","start_word":8145,"end_word":8265,"sentiment":"neutral","sentiment_score":0.0027707640547305346},{"text":"Beautiful.","start_word":8266,"end_word":8266,"sentiment":"positive","sentiment_score":0.33790308237075806},{"text":"And what's the loan owing on that one at the moment? If you the property 5 is fine. I wanna say $5.60. Yeah.","start_word":8267,"end_word":8289,"sentiment":"neutral","sentiment_score":0.046685196459293365},{"text":"Beautiful. Fantastic. Yep. Excellent.","start_word":8290,"end_word":8293,"sentiment":"positive","sentiment_score":0.5197040438652039},{"text":"Well, that's everything I've got noted there at the moment. I also do like to sort of touch on just with the estate planning side of things. So now that you do have your property, have you spoken to a solicitor or had a will and power of attorney drawn up or anything like that? No. I haven't actually. That is that is good to know. I think I remembered going through that debacle with you guys last year. I think Yep. I I I think when the my super happened to that. I think when you got me to sign up with the new super company oh, sorry. Not Mhmm. the new super company. The Yep. the health insurance company I resigned for its standard will on the pass over of all that, but I haven't actually done a a personal one with a lawyer or anything like that. Yep. Yeah. It's definitely something I'm looking at or considering at least. Yeah. I It don't know is if you guys definitely might recommend someone to yeah. go through for that. Or Absolutely. Well, if you like, what I can do is as part of the email, I can send through some information on a local solicitor that we can refer you through to. It's yep. not a referral list such at the moment. Just some information on them and a bit of a price list to show you what they charge for doing wills and power of attorney and just a bit of information around trust and things like that for you just Yep. to kinda start the conversation, give you some reading material to look at. And then if you did wanna kinda refer through, you're welcome to either contact them, or you can let us know. We can refer you through to them. Yep. The wills with the solicitor are they do they do charge you for that separately. It's not kinda through us in any way. But I always think it's more of an investment in yourself.","start_word":8294,"end_word":8634,"sentiment":"neutral","sentiment_score":0.05945732713270047},{"text":"You've worked really hard. You've now got your house and everything. So you wanna make sure protecting those assets and having them directed to where you want them to go in the event that something was to happen to you.","start_word":8635,"end_word":8674,"sentiment":"positive","sentiment_score":0.3773028254508972},{"text":"Yep. Because the alternative is probate, which can be a very long process, can be costly to the estate, and can often end up with, you know, the outcome being the funds or the assets are paid to someone that you don't want them to go through to. So Yep. it's definitely more of an investment in yourself there, which is really important. But I can start by sending the email through. You're welcome to ask me any questions that you have as well, and we can start there for you if you like. Does that sound okay? Yeah. Yes, please.","start_word":8675,"end_word":8775,"sentiment":"neutral","sentiment_score":0.04915854792193611},{"text":"That sounds good. Yep. Beautiful.","start_word":8776,"end_word":8780,"sentiment":"positive","sentiment_score":0.47449037432670593},{"text":"With your super, your beneficiary is your legal personal representative. So this means that in the event of passing, your super is directed through to your estate, and then it just needs to be included in your will so that everything in your will can be directed to where you like it to be. But you're happy with your your LPR legal personal representative being your beneficiary currently? Yeah. Yeah.","start_word":8781,"end_word":8850,"sentiment":"neutral","sentiment_score":0.19982637465000153},{"text":"Happy happy there.","start_word":8851,"end_word":8853,"sentiment":"positive","sentiment_score":0.33631572127342224},{"text":"I think it's Yeah. I don't think I've actually circulated anyone, so it's just gonna be whatever the state designates. I believe that's probably gonna go to Yep. a family member, I presume. Yeah.","start_word":8854,"end_word":8887,"sentiment":"neutral","sentiment_score":0.003687019925564527},{"text":"Perfect. Excellent. All good.","start_word":8888,"end_word":8891,"sentiment":"positive","sentiment_score":0.4139901399612427},{"text":"And so that's the estate planning side of things. Health wise, is everything okay? Health wise, you haven't had any changes to your health in the last twelve months from when we sort of caught up last year? No. No change at No. Beautiful. That's what we wanna hear.","start_word":8892,"end_word":8940,"sentiment":"neutral","sentiment_score":0.0695003941655159},{"text":"That's fantastic.","start_word":8941,"end_word":8942,"sentiment":"positive","sentiment_score":0.6464759111404419},{"text":"And the other all. thing to sort of look at is just with regard to the investments because we are looking at updating the advice, just making sure that you are invested in the in the portfolio that kinda suits you and where you're at at the moment. So I'm just having a quick look here at your portfolio. I believe you're in yep. High growth. Perfect. So generally speaking, with a high growth portfolio, you normally see that 90% of your super invest in those growth assets. But it generally does put someone who has at least six years to be invested before they're wanting to access those funds there. A high growth portfolio, generally, when you're looking at chasing long term and, long term, returns. You're averaging or hoping to get about eight to 10% on a yearly basis. So anything under 8% is seen as underperformance, and anything over that 10% is fantastic.","start_word":8943,"end_word":9098,"sentiment":"neutral","sentiment_score":0.09548845571967272},{"text":"A high growth investor generally sees a likelihood of a negative return expected about one in every sort of five years.","start_word":9099,"end_word":9119,"sentiment":"negative","sentiment_score":-0.35397419333457947},{"text":"Do you feel like that is fairly comfortable for yourself? Did you wanna look at maybe altering or, you know, reassessing the risk profile for yourself at the moment, or what are your thoughts with that? No. Happy to stay there. I know Yep. things are pretty crazy at the moment, but it's obviously time Yeah. is the the the best factor.","start_word":9120,"end_word":9181,"sentiment":"neutral","sentiment_score":-0.028490854427218437},{"text":"And, also, Absolutely. you have some opportunities there too. So, yeah, happy to stay in that.","start_word":9182,"end_word":9197,"sentiment":"positive","sentiment_score":0.4912090003490448},{"text":"Yep. Yeah.","start_word":9198,"end_word":9199,"sentiment":"neutral","sentiment_score":0.2510068118572235},{"text":"Beautiful.","start_word":9200,"end_word":9200,"sentiment":"positive","sentiment_score":0.5667097568511963},{"text":"Realistically, with where you are, your agency is your high growth portfolio is generally where we'd sort of see you for now as you get closer and closer to accessing super a long way down the track because you're still so young. Essentially, when you get closer to retirement, it will start to sort of pull back on that risk level a little bit because when you get to those retirement years, you want more income reducing investments, lower fluctuations to be able to, you know, steady out your super. But for now, taking advantage of those ups and downs and, you know, really taking advantage of the market volatility is a good thing.","start_word":9201,"end_word":9314,"sentiment":"neutral","sentiment_score":0.19146277010440824},{"text":"So I'm happy Yep. to keep you in that portfolio.","start_word":9315,"end_word":9324,"sentiment":"positive","sentiment_score":0.4787919819355011},{"text":"Every couple of years, we'll try to do a bit more of a risk profile questionnaire. But for now, I'm pretty comfortable with you where you're at as long as you are. And if you ever feel you're not comfortable in that, just because we sort of suggest, you know, being younger, you can take more risk in the market. If at any point you're not comfortable taking risk or you feel like you wanted to pull back, let me know. We can always have that conversation. We can always reduce or look at your risk profile at any point in time. It doesn't have to be at review time. And we Yep. can do regular catch ups throughout the year as well. I know you know you've gone through that initial implementation stage. Did you want me to organize, like, a regular catch up for you once every sort of three or six months or even to send reports through once every three or six months? How would you like me to kind of move forward for you? No. That's fine. I'd probably say just every six months at this stage is fine. Six months. Yep. Yeah. I think that's fine.","start_word":9325,"end_word":9526,"sentiment":"neutral","sentiment_score":0.07879641497194177},{"text":"Beautiful. Not a problem at all.","start_word":9527,"end_word":9532,"sentiment":"positive","sentiment_score":0.43018388748168945},{"text":"And if that ever changes, you let me know.","start_word":9533,"end_word":9541,"sentiment":"neutral","sentiment_score":0.2420673072338104},{"text":"I'm more than happy to update that for you there as well, Andrew. Okay. Beautiful.","start_word":9542,"end_word":9556,"sentiment":"positive","sentiment_score":0.5317187309265137},{"text":"That's basically everything I did need to go through. The only other thing I will attach to your and your review documents is the ongoing service agreement. So you are aware as an ongoing client, we want we do charge a a fee for our services. It is 1.65% per annum. Yep. That is the per annum amount is a percentage based fee, so it does fluctuate and is linked to performance of your super. So our ongoing service fee is deducted in smaller monthly increments, and it essentially fluctuates the market. So as a percentage of what's happening with your super, when the market is higher, it does mean that our fee is gonna be a little bit higher as well. But when the market takes a bit of a dip due to external factors, our fee takes a bit of a dip with it as well. So Yep. that is one benefit to having that sort of fee structure. And as I Yep. mentioned, there's an ongoing client paying the ongoing service fee. We're monitoring, looking after your super, but you're also entitled to other services, other advice, and I'll do catch ups with you and see how things going. And you'll have my email as well, so you're more than welcome to email me or let me know when you need anything additional, and I'll make time to sort of make sure I'm there to help and support you moving forward as well. Okay? Yep.","start_word":9557,"end_word":9804,"sentiment":"neutral","sentiment_score":0.11962418258190156},{"text":"Perfect. Thank you. All good.","start_word":9805,"end_word":9809,"sentiment":"positive","sentiment_score":0.7059685945510864},{"text":"Did you have any questions? I know I asked you everything under the sun. Did you have any other questions or anything else you wanted me to touch on for the moment at all? No. That's fine. I think I think the trust is there. I was more just curious in a general sense what Yes. Absolutely. where it's at and and what the plans were.","start_word":9810,"end_word":9875,"sentiment":"neutral","sentiment_score":0.12339496612548828},{"text":"So, yeah, happy Beautiful. to see those recommendations and go from there.","start_word":9876,"end_word":9887,"sentiment":"positive","sentiment_score":0.38328877091407776},{"text":"But apart from Beautiful. that, I'd probably only just reach out for Absolutely. curiosity or if I wanna pick your brain on on a particular, like, personal piece of advice. But apart from that, all good for now?","start_word":9888,"end_word":9925,"sentiment":"neutral","sentiment_score":0.08245639503002167},{"text":"Absolutely. Not a problem at all.","start_word":9926,"end_word":9931,"sentiment":"positive","sentiment_score":0.34057071805000305},{"text":"Well, I'll get that email out to you there with PDF documents. There's a couple of things around the SMA for you, and also the details for the solicitor, and I'll get you any review documents popped together and sent out in a separate email for you to Yep. review, have a look at, and just assign a return back for me when you are ready to as well. Okay?","start_word":9932,"end_word":10001,"sentiment":"neutral","sentiment_score":0.2282678782939911},{"text":"Perfect. Sounds good. Will do. Thank you so much for your time, Andrew. I really appreciate it. I hope you have a lovely afternoon.","start_word":10002,"end_word":10025,"sentiment":"positive","sentiment_score":0.800156831741333},{"text":"Yep. No. Will do.","start_word":10026,"end_word":10029,"sentiment":"neutral","sentiment_score":0.140501007437706},{"text":"Thanks again for your time, and we'll chat soon.","start_word":10030,"end_word":10038,"sentiment":"positive","sentiment_score":0.4914829730987549},{"text":"No worries. Talk soon. See you later.","start_word":10039,"end_word":10045,"sentiment":"neutral","sentiment_score":0.22848808765411377},{"text":"Thanks, Dana.","start_word":10046,"end_word":10047,"sentiment":"positive","sentiment_score":0.5267371535301208},{"text":"Bye. Bye.","start_word":10048,"end_word":10049,"sentiment":"neutral","sentiment_score":0.2656596302986145}],"average":{"sentiment":"neutral","sentiment_score":0.08449813464606973}}}}