{"metadata":{"transaction_key":"deprecated","request_id":"019d74e8-027d-77c0-aad4-3de6448bf08f","sha256":"f8d290afc183a0e7a4f642b0f3efa73ce5103c01ea09b1a993481f5f53382d78","created":"2026-04-10T01:00:57.730Z","duration":1142.424,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3761,"output_tokens":142},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4246,"output_tokens":4255},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4246,"output_tokens":350}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Ben. It's Tommy here, senior adviser. How are you doing today? Yeah. No. That's no worries at all. Thank you for calling back in, mate. Bit of phone tag and text messages, but we we finally have each other. Thank you so much. Awesome. So, mate, I've gone through a few details this morning, and thank you again for speaking to Sam yesterday. I've gotten some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing. So if you still have a few minutes for me, I'd like to go through that with you. Perfect. Mate, just out of curiosity, so with the Australian super there, you were looking to roll over into that fund. Is that right? Okay. Yeah. And have you are you kind of leaning between one of them? Okay. And what made you pick Hostplus over Australian Super, if you don't mind me asking? For returns. Yeah. So if you don't mind, I'm just gonna quickly bring up their figures because I was looking at Australian Super this morning. I was looking at Hostplus a month ago, but I just wanna get their updated figures if that's alright. Just bear with me for two seconds. Here it is. So I was looking at your your hub 24. So just for a bit of context, you're in a growth portfolio. Right? So I would call that, like, a four out of five on a risk scale. Australian Super does have, like, a balanced and a high growth, so a three or a high risk. They don't have a growth fund. Their returns yeah. Australian Super's little bit average, nine to 10%, seven or 8% over ten years. Not too bad. I'd really like their insurances, though. Australian Super have really good default insurances. The growth funds for host plus as of February, that's looking a lot better. Ten years, 10%, that's pretty much it. So when you're looking at a similar risk level, you kind of wanna be hitting nine or 10% on average, if that makes sense. Your Hub twenty four, I was just looking at it today. It's just clear to just under 12% net of fees after all the fees and everything like that. So that's where Samantha quoted that $33,000 gain to you yesterday. No. That was just a twelve month because I was just looking at, like, a bit of a an annual review, like, year versus year, if that makes sense. Let's have a look. So you first rolled in the 2022, so we'll call it sort of maybe three and a half years. Yeah. It's currently sitting up, I think, about 41% over that period from the start. Yeah. Yeah. That's right. So if we go 41, 3.5, so it's 11.7% net return per year in three and a half years inclusive of fees. So I always go through, like, a net return. So that's including, like, contributions going in, fees, taxes, premiums going out, and then the net return of the investments. Oh, just with the yeah. I get you. This market going down, and it's kind of just been hovering at that $1.36 to 140,000. Yeah. At the moment, mate, the the stock market just keeps going down this year, especially with what happened in Iran. Basically, every market's just been going down. The only thing that didn't go down as much was, like, gold. It went down a little bit, but up for the year, I think your gold's still up 31%. Your agriculture shares are up 45%. Infrastructure's in there as well. That's up 25. American shares up nine and a half. The only one that's been down in your portfolio so far is a little bit of your Australian shares that went down about 11%. So everything else has been shooting up quite fast. Gotcha. Gotcha. I mean, if you it depends on what investment you pick. So if you moved across into their growth fund or high growth fund, you would still be experiencing going up and down. You can still have a bit of control over the risk, whichever super fund that you use. You're actually getting pretty close to your, like, your preservation age to access super. Like, you're getting really close to retirement, so you have to be careful with risk. Less risk. Yeah. Yeah. So let me just quickly ask you, whichever sort of fund you use, if you're gonna hit your preservation age in a few years when you can start accessing super, are you still looking to retire at, say, 65, 67? What are you thinking for time frame? Mhmm. Yeah. Yeah. So it's kind of you're in that weird balancing act where you're trying to grow it. So you've got enough to retire on, but you don't wanna lose it all right now with the stock market crashing, and then you don't have enough. Do you know what I mean? So let me quickly check a couple of things with you because you know how I said you're in a growth four out of five? You generally wanna be in that profile if you're gonna invest for at least eight or nine years. And once you're less than eight or nine years, you have to start reducing your risk level. So balanced is three out of five. That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years. Does that make sense? So what I'm saying there is because you know how I said you've got this gold and these shares and these properties? Your growth fund has 80% of your money in the high risk investments, the shares property gold, the ones that go up and down really high. When you're in a balanced fund, you really want more like 65, 70%. So that will make it less less up and down if that makes sense. So one of the questions I've sort of got, if you're still trying to grow it, then you can't go too low in the risk scale. Because if you were sitting there in conservative and cash, it's not gonna grow and then nothing to retire on. But growth might be a little bit too high for you because if the stock market keeps crashing, it might drop another 10 to 20%. So you're a hundred and thirty eight thousand three fifty. If you stay in the growth risk profile, it could go down to a 110. Does that sound a bit too high? Depends on what you pick again. Like, if you pick their high growth, it'll be really risky if you pick their balance. Perfect, mate. Then if you go through to, let's say, AustralianSuper or Host Plus, so what we would do is we would basically just sell down everything in Hub twenty four. And then like you said, if you try and pick a balanced one, you've got Hub offers balance, Australian Super's got balance, and host everyone's got a balance option. Do you want me to do, like, a comparison for you between the three just to show you, like, the returns, risk level, fees? Would that be helpful? Because, like, if, let's say, you were gonna stay with us and Hub twenty four, I would be reducing you down to a balance as well and changing a couple of the options so it's not as risky. So if you're okay with this, I wanna just do a balance versus balance versus balance, and then you can pick which one you wanna do. Yes. Everything's gonna show you the account fees, investment fees, adviser fees, insurance premiums. I'll break all of that down for you. Perfect. Mate, it might take me, like, a a week or two just to do the research on three different portfolios and put it in a document. Is it okay if the team calls you in about a week and a half just to book you in to go through that with me? Yeah. That's right. There's no exit fees or anything like that. Yes. When you hit age 60 oh, sorry. When you're above 60 and when you go into retirement phase, so let's say you retire at, say, 65, when you put it into a pension account, like, Hub twenty four can move your investments inside the pension account without selling them, and then it's there's it's tax free investment, tax free gains, tax free dividends, tax free withdrawals when you wanna pull the money out. And that's pretty well the same across the board. There's also the insurance premiums I wanted to just quickly tell you about as well because that's obviously coming out of the super two. Do you know what your insurance policy is? Because that's that's a couple of grand of fees coming out as well. Yes. Zurich, that's the one. That's life insurance disability, and that's that's 2,342 that comes out after you take into account 15% tax rebate. So that's having a little bit of an impact as well. That's for 350,595 worth of cover, you know, to protect, like, mortgage and income replacements and all that kind of thing. That's gonna go up again end of this year, and that'll probably jump up another $5,600. So I wanted to let you know that should we look at changing some of it with the insurances? Do you wanna leave it as is for the year and look at it at Christmas time? What are your thoughts? The renewal date is December 28, and they'll give you a notice, like, thirty days before that, November. They'll send you, like, a an up like, a renewal notice with the changes. Yeah. So you've got couple of options. That's already paid to December. So if something happens to you, you can still claim on it. You can change the details with Zurich for the premiums for the next year to come out of host plus or Australian super, but then you might also get a little bit of automatic insurance when you open up a Host Plus account. They may give you $60,000 of life insurance or something like that. So you just have to check that. Yeah. It would likely be a little bit cheaper because it would be probably about a sixth of the amount of cover. But I think at your age, they do an age based default, and it I I would guess it's around 60,000 worth of cover, but we'll have to just double check with host plus. Don't know off the top of my head. So definitely worth checking that as well. For now, I'll just leave it as is because it's already paid. I can even do a little bit of research on the default insurances as well for you if you want and just include some information on that. Yep. Yeah. That'd be fine. Just because it is Friday, are you okay if I go through this with you possibly next Friday just to give me a bit of time to put that together? Yep. I'll escalate a little bit and see how quickly we can put it together. I normally just compare the two funds, but do you if you want me to do a little bit quicker, I don't have to compare Australian Super if you want. I can just do the Hub 24 and the host plus. Yep. Cool. So balanced risk, look at some default insurances, host plus, and the Hub 24. Look. I'll put together what I think the investment should be if you were to stay with hub, and then I'll just compare it with host plus. You can make a decision, and either way, we'll kind of help you with it, especially if we need to change the insurance details and whatnot. And then let's say you go to host plus, they send a request through, we can sell everything down, and it will move across. Just letting you know as well that our fees basically have stopped now. So they kind of expired as of, I think, two weeks from now. So there'll be nothing coming out there, but I'll include it in the projection just in case you still wanna stay with us. So you so with our service with advisers, there's, like, a ongoing service agreement for the twelve months, and that was the 1.65% that Samantha was talking about, and then they split that up into monthly payments. The last one has just happened, and I think I'm looking at your account now. It says that we will no longer be, like, advisers on the account on the April 26. That's kind of when the agreement ends. So I think that's two weeks. Yeah. That's right. But I'll include it there just so you can see it, though, even if it's going off. Like, let's say you're happy with everything. I'll still put it in there just so you can see what it is so you can make your decision. Yeah. Yep. It'll be side by side. Perfect. Mate, is there anything else I can add into this? Perfect. Look. If you think of anything else, let us know. Just send through an email, text, or call. I'll put this together. And then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday? Oh, yep. Okay. Finish at three. Let me just double check your sorry. Just grabbing your account up. You're in so you don't have daylight savings anymore. Is that right? Yes. Same same in Queensland time as well. K. Now I will be off picking the kids up from school at 03:00 next Friday. Is it possible to do any earlier, like, around, like, lunchtime or anything, or you'll just be busy? Yep. I could probably do 11:30 if that's okay. Perfect. 11:30AM. I just have one client before that. So I'll send you a text beforehand just to let you know, like, if I'm gonna be a couple of minutes late or something because I don't wanna waste your time. But I'll make sure that I send the document through to you as well. Perfect. Mate, thank you so much for talking to Sam and myself. Any other questions for me before I I let you go for the weekend? Perfect. Alright then, mate. You have a fantastic weekend. I'll get started on the research, and we'll talk to you next Friday. Thank you. 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morning, Ben. It's Tommy here, senior adviser. How are you doing today? Yeah. No.\n\nThat's no worries at all. Thank you for calling back in, mate. Bit of phone tag and text messages, but we we finally have each other. Thank you so much. Awesome.\n\nSo, mate, I've gone through a few details this morning, and thank you again for speaking to Sam yesterday. I've gotten some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing. So if you still have a few minutes for me, I'd like to go through that with you. Perfect. Mate, just out of curiosity, so with the Australian super there, you were looking to roll over into that fund.\n\nIs that right? Okay. Yeah. And have you are you kind of leaning between one of them? Okay.\n\nAnd what made you pick Hostplus over Australian Super, if you don't mind me asking? For returns. Yeah. So if you don't mind, I'm just gonna quickly bring up their figures because I was looking at Australian Super this morning. I was looking at Hostplus a month ago, but I just wanna get their updated figures if that's alright.\n\nJust bear with me for two seconds. Here it is. So I was looking at your your hub 24. So just for a bit of context, you're in a growth portfolio. Right?\n\nSo I would call that, like, a four out of five on a risk scale. Australian Super does have, like, a balanced and a high growth, so a three or a high risk. They don't have a growth fund. Their returns yeah. Australian Super's little bit average, nine to 10%, seven or 8% over ten years.\n\nNot too bad. I'd really like their insurances, though. Australian Super have really good default insurances. The growth funds for host plus as of February, that's looking a lot better. Ten years, 10%, that's pretty much it.\n\nSo when you're looking at a similar risk level, you kind of wanna be hitting nine or 10% on average, if that makes sense. Your Hub twenty four, I was just looking at it today. It's just clear to just under 12% net of fees after all the fees and everything like that. So that's where Samantha quoted that $33,000 gain to you yesterday. No.\n\nThat was just a twelve month because I was just looking at, like, a bit of a an annual review, like, year versus year, if that makes sense. Let's have a look. So you first rolled in the 2022, so we'll call it sort of maybe three and a half years. Yeah. It's currently sitting up, I think, about 41% over that period from the start.\n\nYeah. Yeah. That's right. So if we go 41, 3.5, so it's 11.7% net return per year in three and a half years inclusive of fees. So I always go through, like, a net return.\n\nSo that's including, like, contributions going in, fees, taxes, premiums going out, and then the net return of the investments. Oh, just with the yeah. I get you. This market going down, and it's kind of just been hovering at that $1.36 to 140,000. Yeah.\n\nAt the moment, mate, the the stock market just keeps going down this year, especially with what happened in Iran. Basically, every market's just been going down. The only thing that didn't go down as much was, like, gold. It went down a little bit, but up for the year, I think your gold's still up 31%. Your agriculture shares are up 45%.\n\nInfrastructure's in there as well. That's up 25. American shares up nine and a half. The only one that's been down in your portfolio so far is a little bit of your Australian shares that went down about 11%. So everything else has been shooting up quite fast.\n\nGotcha. Gotcha. I mean, if you it depends on what investment you pick. So if you moved across into their growth fund or high growth fund, you would still be experiencing going up and down. You can still have a bit of control over the risk, whichever super fund that you use.\n\nYou're actually getting pretty close to your, like, your preservation age to access super. Like, you're getting really close to retirement, so you have to be careful with risk. Less risk. Yeah. Yeah.\n\nSo let me just quickly ask you, whichever sort of fund you use, if you're gonna hit your preservation age in a few years when you can start accessing super, are you still looking to retire at, say, 65, 67? What are you thinking for time frame? Mhmm. Yeah. Yeah.\n\nSo it's kind of you're in that weird balancing act where you're trying to grow it. So you've got enough to retire on, but you don't wanna lose it all right now with the stock market crashing, and then you don't have enough. Do you know what I mean? So let me quickly check a couple of things with you because you know how I said you're in a growth four out of five? You generally wanna be in that profile if you're gonna invest for at least eight or nine years.\n\nAnd once you're less than eight or nine years, you have to start reducing your risk level. So balanced is three out of five. That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years. Does that make sense? So what I'm saying there is because you know how I said you've got this gold and these shares and these properties?\n\nYour growth fund has 80% of your money in the high risk investments, the shares property gold, the ones that go up and down really high. When you're in a balanced fund, you really want more like 65, 70%. So that will make it less less up and down if that makes sense. So one of the questions I've sort of got, if you're still trying to grow it, then you can't go too low in the risk scale. Because if you were sitting there in conservative and cash, it's not gonna grow and then nothing to retire on.\n\nBut growth might be a little bit too high for you because if the stock market keeps crashing, it might drop another 10 to 20%. So you're a hundred and thirty eight thousand three fifty. If you stay in the growth risk profile, it could go down to a 110. Does that sound a bit too high? Depends on what you pick again.\n\nLike, if you pick their high growth, it'll be really risky if you pick their balance. Perfect, mate. Then if you go through to, let's say, AustralianSuper or Host Plus, so what we would do is we would basically just sell down everything in Hub twenty four. And then like you said, if you try and pick a balanced one, you've got Hub offers balance, Australian Super's got balance, and host everyone's got a balance option. Do you want me to do, like, a comparison for you between the three just to show you, like, the returns, risk level, fees?\n\nWould that be helpful? Because, like, if, let's say, you were gonna stay with us and Hub twenty four, I would be reducing you down to a balance as well and changing a couple of the options so it's not as risky. So if you're okay with this, I wanna just do a balance versus balance versus balance, and then you can pick which one you wanna do. Yes. Everything's gonna show you the account fees, investment fees, adviser fees, insurance premiums.\n\nI'll break all of that down for you. Perfect. Mate, it might take me, like, a a week or two just to do the research on three different portfolios and put it in a document. Is it okay if the team calls you in about a week and a half just to book you in to go through that with me? Yeah.\n\nThat's right. There's no exit fees or anything like that. Yes. When you hit age 60 oh, sorry. When you're above 60 and when you go into retirement phase, so let's say you retire at, say, 65, when you put it into a pension account, like, Hub twenty four can move your investments inside the pension account without selling them, and then it's there's it's tax free investment, tax free gains, tax free dividends, tax free withdrawals when you wanna pull the money out.\n\nAnd that's pretty well the same across the board. There's also the insurance premiums I wanted to just quickly tell you about as well because that's obviously coming out of the super two. Do you know what your insurance policy is? Because that's that's a couple of grand of fees coming out as well. Yes.\n\nZurich, that's the one. That's life insurance disability, and that's that's 2,342 that comes out after you take into account 15% tax rebate. So that's having a little bit of an impact as well. That's for 350,595 worth of cover, you know, to protect, like, mortgage and income replacements and all that kind of thing. That's gonna go up again end of this year, and that'll probably jump up another $5,600.\n\nSo I wanted to let you know that should we look at changing some of it with the insurances? Do you wanna leave it as is for the year and look at it at Christmas time? What are your thoughts? The renewal date is December 28, and they'll give you a notice, like, thirty days before that, November. They'll send you, like, a an up like, a renewal notice with the changes.\n\nYeah. So you've got couple of options. That's already paid to December. So if something happens to you, you can still claim on it. You can change the details with Zurich for the premiums for the next year to come out of host plus or Australian super, but then you might also get a little bit of automatic insurance when you open up a Host Plus account.\n\nThey may give you $60,000 of life insurance or something like that. So you just have to check that. Yeah. It would likely be a little bit cheaper because it would be probably about a sixth of the amount of cover. But I think at your age, they do an age based default, and it I I would guess it's around 60,000 worth of cover, but we'll have to just double check with host plus.\n\nDon't know off the top of my head. So definitely worth checking that as well. For now, I'll just leave it as is because it's already paid. I can even do a little bit of research on the default insurances as well for you if you want and just include some information on that. Yep.\n\nYeah. That'd be fine. Just because it is Friday, are you okay if I go through this with you possibly next Friday just to give me a bit of time to put that together? Yep. I'll escalate a little bit and see how quickly we can put it together.\n\nI normally just compare the two funds, but do you if you want me to do a little bit quicker, I don't have to compare Australian Super if you want. I can just do the Hub 24 and the host plus. Yep. Cool. So balanced risk, look at some default insurances, host plus, and the Hub 24.\n\nLook. I'll put together what I think the investment should be if you were to stay with hub, and then I'll just compare it with host plus. You can make a decision, and either way, we'll kind of help you with it, especially if we need to change the insurance details and whatnot. And then let's say you go to host plus, they send a request through, we can sell everything down, and it will move across. Just letting you know as well that our fees basically have stopped now.\n\nSo they kind of expired as of, I think, two weeks from now. So there'll be nothing coming out there, but I'll include it in the projection just in case you still wanna stay with us. So you so with our service with advisers, there's, like, a ongoing service agreement for the twelve months, and that was the 1.65% that Samantha was talking about, and then they split that up into monthly payments. The last one has just happened, and I think I'm looking at your account now. It says that we will no longer be, like, advisers on the account on the April 26.\n\nThat's kind of when the agreement ends. So I think that's two weeks. Yeah. That's right. But I'll include it there just so you can see it, though, even if it's going off.\n\nLike, let's say you're happy with everything. I'll still put it in there just so you can see what it is so you can make your decision. Yeah. Yep. It'll be side by side.\n\nPerfect. Mate, is there anything else I can add into this? Perfect. Look. If you think of anything else, let us know.\n\nJust send through an email, text, or call. I'll put this together. And then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday? Oh, yep. Okay.\n\nFinish at three. Let me just double check your sorry. Just grabbing your account up. You're in so you don't have daylight savings anymore. Is that right?\n\nYes. Same same in Queensland time as well. K. Now I will be off picking the kids up from school at 03:00 next Friday. Is it possible to do any earlier, like, around, like, lunchtime or anything, or you'll just be busy?\n\nYep. I could probably do 11:30 if that's okay. Perfect. 11:30AM. I just have one client before that.\n\nSo I'll send you a text beforehand just to let you know, like, if I'm gonna be a couple of minutes late or something because I don't wanna waste your time. But I'll make sure that I send the document through to you as well. Perfect. Mate, thank you so much for talking to Sam and myself. Any other questions for me before I I let you go for the weekend?\n\nPerfect. Alright then, mate. You have a fantastic weekend. I'll get started on the research, and we'll talk to you next Friday. Thank you.\n\nSee you later.","paragraphs":[{"sentences":[{"text":"Good morning, Ben.","start":2.0,"end":2.8799999,"sentiment":"positive","sentiment_score":0.45230648914972943},{"text":"It's Tommy here, senior adviser.","start":2.8799999,"end":4.56,"sentiment":"positive","sentiment_score":0.35361613631248473},{"text":"How are you doing today?","start":4.56,"end":5.62,"sentiment":"positive","sentiment_score":0.353756046295166},{"text":"Yeah.","start":9.679999,"end":9.92,"sentiment":"neutral","sentiment_score":-0.013593386858701706},{"text":"No.","start":9.92,"end":10.16,"sentiment":"neutral","sentiment_score":0.0740216076374054}],"sentiment":"neutral","sentiment_score":0.33028057341774303,"num_words":15,"start":2.0,"end":10.16},{"sentences":[{"text":"That's no worries at all.","start":10.16,"end":11.12,"sentiment":"neutral","sentiment_score":0.15667755007743836},{"text":"Thank you for calling back in, mate.","start":11.12,"end":12.559999,"sentiment":"positive","sentiment_score":0.5252532022339957},{"text":"Bit of phone tag and text messages, but we we finally have each other.","start":12.559999,"end":16.105,"sentiment":"neutral","sentiment_score":0.3073163351842335},{"text":"Thank you so much.","start":16.105,"end":17.085,"sentiment":"positive","sentiment_score":0.7371377050876617},{"text":"Awesome.","start":18.985,"end":19.465,"sentiment":"positive","sentiment_score":0.6463212966918945}],"sentiment":"positive","sentiment_score":0.39862777340796685,"num_words":31,"start":10.16,"end":19.465},{"sentences":[{"text":"So, mate, I've gone through a few details this morning, and thank you again for speaking to Sam yesterday.","start":19.465,"end":25.085,"sentiment":"positive","sentiment_score":0.4067480689600894},{"text":"I've gotten some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing.","start":25.625,"end":39.92,"sentiment":"neutral","sentiment_score":0.1558803400823048},{"text":"So if you still have a few minutes for me, I'd like to go through that with you.","start":39.92,"end":43.065,"sentiment":"neutral","sentiment_score":0.12325448584225443},{"text":"Perfect.","start":44.824997,"end":45.324997,"sentiment":"positive","sentiment_score":0.43830567598342896},{"text":"Mate, just out of curiosity, so with the Australian super there, you were looking to roll over into that fund.","start":45.465,"end":52.425,"sentiment":"neutral","sentiment_score":0.08489918261766434}],"sentiment":"neutral","sentiment_score":0.18859027189913616,"num_words":93,"start":19.465,"end":52.425},{"sentences":[{"text":"Is that right?","start":52.425,"end":53.324997,"sentiment":"neutral","sentiment_score":0.07615448782841365},{"text":"Okay.","start":58.600002,"end":58.920002,"sentiment":"neutral","sentiment_score":0.03209877014160156},{"text":"Yeah.","start":58.920002,"end":59.160004,"sentiment":"neutral","sentiment_score":0.02455708011984825},{"text":"And have you are you kind of leaning between one of them?","start":59.160004,"end":62.140003,"sentiment":"neutral","sentiment_score":0.012230667751282454},{"text":"Okay.","start":65.56,"end":65.96,"sentiment":"neutral","sentiment_score":0.04337579384446144}],"sentiment":"neutral","sentiment_score":0.026403506700363424,"num_words":18,"start":52.425,"end":65.96},{"sentences":[{"text":"And what made you pick Hostplus over Australian Super, if you don't mind me asking?","start":65.96,"end":70.14,"sentiment":"neutral","sentiment_score":0.05207681767642498},{"text":"For returns.","start":80.475,"end":81.275,"sentiment":"neutral","sentiment_score":0.04448114242404699},{"text":"Yeah.","start":81.275,"end":81.595,"sentiment":"neutral","sentiment_score":0.04772200062870979},{"text":"So if you don't mind, I'm just gonna quickly bring up their figures because I was looking at Australian Super this morning.","start":81.595,"end":87.74,"sentiment":"neutral","sentiment_score":0.03863037953322584},{"text":"I was looking at Hostplus a month ago, but I just wanna get their updated figures if that's alright.","start":87.96,"end":92.3,"sentiment":"neutral","sentiment_score":0.05875855537229463}],"sentiment":"neutral","sentiment_score":0.04888334665131771,"num_words":59,"start":65.96,"end":92.3},{"sentences":[{"text":"Just bear with me for two seconds.","start":94.04,"end":96.12,"sentiment":"neutral","sentiment_score":0.01769584896309035},{"text":"Here it is.","start":96.12,"end":97.020004,"sentiment":"neutral","sentiment_score":0.028619841982920963},{"text":"So I was looking at your your hub 24.","start":98.045006,"end":100.525,"sentiment":"neutral","sentiment_score":0.02806935480071439},{"text":"So just for a bit of context, you're in a growth portfolio.","start":100.525,"end":104.225006,"sentiment":"neutral","sentiment_score":0.03872345263759295},{"text":"Right?","start":104.525,"end":104.925,"sentiment":"neutral","sentiment_score":0.04394654184579849}],"sentiment":"neutral","sentiment_score":0.030343207356054336,"num_words":32,"start":94.04,"end":104.925},{"sentences":[{"text":"So I would call that, like, a four out of five on a risk scale.","start":104.925,"end":109.345,"sentiment":"neutral","sentiment_score":0.05934913729627927},{"text":"Australian Super does have, like, a balanced and a high growth, so a three or a high risk.","start":110.62,"end":117.26,"sentiment":"neutral","sentiment_score":0.04510032385587692},{"text":"They don't have a growth fund.","start":117.26,"end":118.880005,"sentiment":"neutral","sentiment_score":-0.12754096960028014},{"text":"Their returns yeah.","start":121.18,"end":122.22,"sentiment":"neutral","sentiment_score":0.23601795732975006},{"text":"Australian Super's little bit average, nine to 10%, seven or 8% over ten years.","start":122.22,"end":128.595,"sentiment":"neutral","sentiment_score":0.27677349746227264}],"sentiment":"neutral","sentiment_score":0.09856571263766714,"num_words":56,"start":104.925,"end":128.595},{"sentences":[{"text":"Not too bad.","start":128.595,"end":129.315,"sentiment":"neutral","sentiment_score":0.3026706477006276},{"text":"I'd really like their insurances, though.","start":129.315,"end":131.735,"sentiment":"positive","sentiment_score":0.45919640858968097},{"text":"Australian Super have really good default insurances.","start":132.27501,"end":134.455,"sentiment":"positive","sentiment_score":0.6298113805907113},{"text":"The growth funds for host plus as of February, that's looking a lot better.","start":137.59999,"end":143.86,"sentiment":"neutral","sentiment_score":0.26762083385671886},{"text":"Ten years, 10%, that's pretty much it.","start":145.28,"end":148.16,"sentiment":"neutral","sentiment_score":0.12139566562005452}],"sentiment":"positive","sentiment_score":0.3423873349218755,"num_words":37,"start":128.595,"end":148.16},{"sentences":[{"text":"So when you're looking at a similar risk level, you kind of wanna be hitting nine or 10% on average, if that makes sense.","start":148.16,"end":155.635,"sentiment":"neutral","sentiment_score":0.05663626299550136},{"text":"Your Hub twenty four, I was just looking at it today.","start":157.535,"end":160.275,"sentiment":"neutral","sentiment_score":0.07134065743197095},{"text":"It's just clear to just under 12% net of fees after all the fees and everything like that.","start":160.335,"end":166.40001,"sentiment":"neutral","sentiment_score":0.08389878645539284},{"text":"So that's where Samantha quoted that $33,000 gain to you yesterday.","start":166.40001,"end":171.22,"sentiment":"neutral","sentiment_score":0.08706959066065875},{"text":"No.","start":179.295,"end":179.695,"sentiment":"neutral","sentiment_score":-0.060016781091690063}],"sentiment":"neutral","sentiment_score":0.07002991409255908,"num_words":65,"start":148.16,"end":179.695},{"sentences":[{"text":"That was just a twelve month because I was just looking at, like, a bit of a an annual review, like, year versus year, if that makes sense.","start":179.695,"end":186.035,"sentiment":"neutral","sentiment_score":-0.043372992027018754},{"text":"Let's have a look.","start":194.43001,"end":196.13,"sentiment":"neutral","sentiment_score":0.009769941447302699},{"text":"So you first rolled in the 2022, so we'll call it sort of maybe three and a half years.","start":196.75,"end":205.23499,"sentiment":"neutral","sentiment_score":0.013436710510991122},{"text":"Yeah.","start":207.855,"end":208.355,"sentiment":"neutral","sentiment_score":0.025830557569861412},{"text":"It's currently sitting up, I think, about 41% over that period from the start.","start":208.81499,"end":217.95001,"sentiment":"neutral","sentiment_score":0.02674170516963516}],"sentiment":"neutral","sentiment_score":-0.007876546686571655,"num_words":66,"start":179.695,"end":217.95001},{"sentences":[{"text":"Yeah.","start":217.95001,"end":218.45001,"sentiment":"neutral","sentiment_score":0.02360442653298378},{"text":"Yeah.","start":223.95001,"end":224.27,"sentiment":"neutral","sentiment_score":0.061664316803216934},{"text":"That's right.","start":224.27,"end":224.75,"sentiment":"neutral","sentiment_score":0.10390398278832436},{"text":"So if we go 41, 3.5, so it's 11.7% net return per year in three and a half years inclusive of fees.","start":224.75,"end":240.945,"sentiment":"neutral","sentiment_score":0.07960297065702351},{"text":"So I always go through, like, a net return.","start":240.945,"end":243.445,"sentiment":"neutral","sentiment_score":0.12068585968679851}],"sentiment":"neutral","sentiment_score":0.08944328001567296,"num_words":35,"start":217.95001,"end":243.445},{"sentences":[{"text":"So that's including, like, contributions going in, fees, taxes, premiums going out, and then the net return of the investments.","start":243.54,"end":251.95999,"sentiment":"neutral","sentiment_score":0.06863299617543817},{"text":"Oh, just with the yeah.","start":261.315,"end":262.91498,"sentiment":"neutral","sentiment_score":-0.01243925653398037},{"text":"I get you.","start":262.91498,"end":263.63498,"sentiment":"neutral","sentiment_score":0.004411546202997367},{"text":"This market going down, and it's kind of just been hovering at that $1.36 to 140,000.","start":263.63498,"end":269.495,"sentiment":"neutral","sentiment_score":-0.3073028838261962},{"text":"Yeah.","start":277.14,"end":277.38,"sentiment":"neutral","sentiment_score":-0.13521990180015564}],"sentiment":"neutral","sentiment_score":-0.08285261696825424,"num_words":45,"start":243.54,"end":277.38},{"sentences":[{"text":"At the moment, mate, the the stock market just keeps going down this year, especially with what happened in Iran.","start":277.38,"end":283.985,"sentiment":"negative","sentiment_score":-0.4437492161989212},{"text":"Basically, every market's just been going down.","start":283.985,"end":286.945,"sentiment":"negative","sentiment_score":-0.3368148250239236},{"text":"The only thing that didn't go down as much was, like, gold.","start":286.945,"end":290.705,"sentiment":"neutral","sentiment_score":-0.21425025910139084},{"text":"It went down a little bit, but up for the year, I think your gold's still up 31%.","start":290.705,"end":296.32498,"sentiment":"neutral","sentiment_score":-0.0158274844288826},{"text":"Your agriculture shares are up 45%.","start":297.0,"end":299.82,"sentiment":"neutral","sentiment_score":0.0762943687538306}],"sentiment":"neutral","sentiment_score":-0.21636221770729339,"num_words":63,"start":277.38,"end":299.82},{"sentences":[{"text":"Infrastructure's in there as well.","start":300.52002,"end":302.04,"sentiment":"neutral","sentiment_score":0.03440486863255501},{"text":"That's up 25.","start":302.04,"end":303.42,"sentiment":"neutral","sentiment_score":0.09845562279224396},{"text":"American shares up nine and a half.","start":304.28,"end":306.7,"sentiment":"neutral","sentiment_score":0.03647310047277382},{"text":"The only one that's been down in your portfolio so far is a little bit of your Australian shares that went down about 11%.","start":307.72,"end":313.625,"sentiment":"neutral","sentiment_score":-0.24443310437103113},{"text":"So everything else has been shooting up quite fast.","start":313.76498,"end":316.82498,"sentiment":"neutral","sentiment_score":-0.25721736749013263}],"sentiment":"neutral","sentiment_score":-0.1553884978638962,"num_words":48,"start":300.52002,"end":316.82498},{"sentences":[{"text":"Gotcha.","start":331.22,"end":331.7,"sentiment":"neutral","sentiment_score":-0.15572625398635864},{"text":"Gotcha.","start":331.7,"end":332.1,"sentiment":"neutral","sentiment_score":-0.10048674046993256},{"text":"I mean, if you it depends on what investment you pick.","start":332.1,"end":334.98,"sentiment":"neutral","sentiment_score":-0.07937516949393532},{"text":"So if you moved across into their growth fund or high growth fund, you would still be experiencing going up and down.","start":334.98,"end":340.705,"sentiment":"neutral","sentiment_score":-0.11853539672764865},{"text":"You can still have a bit of control over the risk, whichever super fund that you use.","start":341.805,"end":346.78497,"sentiment":"neutral","sentiment_score":-0.11380727808265124}],"sentiment":"neutral","sentiment_score":-0.10907389065967156,"num_words":52,"start":331.22,"end":346.78497},{"sentences":[{"text":"You're actually getting pretty close to your, like, your preservation age to access super.","start":347.085,"end":352.525,"sentiment":"neutral","sentiment_score":-0.1393942359302725},{"text":"Like, you're getting really close to retirement, so you have to be careful with risk.","start":352.525,"end":356.68,"sentiment":"neutral","sentiment_score":-0.2636855830748876},{"text":"Less risk.","start":363.62,"end":364.41998,"sentiment":"neutral","sentiment_score":-0.10640032775700092},{"text":"Yeah.","start":364.41998,"end":364.66,"sentiment":"neutral","sentiment_score":0.013589713722467422},{"text":"Yeah.","start":364.66,"end":365.16,"sentiment":"neutral","sentiment_score":0.03362775593996048}],"sentiment":"neutral","sentiment_score":-0.18401170409086978,"num_words":33,"start":347.085,"end":365.16},{"sentences":[{"text":"So let me just quickly ask you, whichever sort of fund you use, if you're gonna hit your preservation age in a few years when you can start accessing super, are you still looking to retire at, say, 65, 67?","start":366.25998,"end":380.335,"sentiment":"neutral","sentiment_score":0.034833696717396376},{"text":"What are you thinking for time frame?","start":380.335,"end":382.035,"sentiment":"neutral","sentiment_score":-0.008492363882916314},{"text":"Mhmm.","start":388.59,"end":389.09,"sentiment":"neutral","sentiment_score":-0.07235276699066162},{"text":"Yeah.","start":392.35,"end":392.59,"sentiment":"neutral","sentiment_score":0.017671221867203712},{"text":"Yeah.","start":392.59,"end":392.83002,"sentiment":"neutral","sentiment_score":-0.02280855178833008}],"sentiment":"neutral","sentiment_score":0.02512822449207306,"num_words":50,"start":366.25998,"end":392.83002},{"sentences":[{"text":"So it's kind of you're in that weird balancing act where you're trying to grow it.","start":392.83002,"end":396.285,"sentiment":"neutral","sentiment_score":0.028258113812626107},{"text":"So you've got enough to retire on, but you don't wanna lose it all right now with the stock market crashing, and then you don't have enough.","start":396.285,"end":403.48502,"sentiment":"neutral","sentiment_score":-0.2254752760959996},{"text":"Do you know what I mean?","start":403.48502,"end":404.545,"sentiment":"neutral","sentiment_score":-0.12306329607963562},{"text":"So let me quickly check a couple of things with you because you know how I said you're in a growth four out of five?","start":405.805,"end":411.185,"sentiment":"neutral","sentiment_score":0.04339802160859108},{"text":"You generally wanna be in that profile if you're gonna invest for at least eight or nine years.","start":413.19,"end":419.53,"sentiment":"neutral","sentiment_score":0.07289879789782895}],"sentiment":"neutral","sentiment_score":-0.04322775551839225,"num_words":92,"start":392.83002,"end":419.53},{"sentences":[{"text":"And once you're less than eight or nine years, you have to start reducing your risk level.","start":420.06998,"end":424.365,"sentiment":"neutral","sentiment_score":-0.03161007626091733},{"text":"So balanced is three out of five.","start":425.32498,"end":427.345,"sentiment":"neutral","sentiment_score":0.17312498071363994},{"text":"That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years.","start":427.565,"end":433.88498,"sentiment":"neutral","sentiment_score":0.06897992882877588},{"text":"Does that make sense?","start":433.88498,"end":434.94498,"sentiment":"neutral","sentiment_score":0.10412771068513393},{"text":"So what I'm saying there is because you know how I said you've got this gold and these shares and these properties?","start":436.54,"end":441.2,"sentiment":"neutral","sentiment_score":0.035721350884573025}],"sentiment":"neutral","sentiment_score":0.04652118153337922,"num_words":70,"start":420.06998,"end":441.2},{"sentences":[{"text":"Your growth fund has 80% of your money in the high risk investments, the shares property gold, the ones that go up and down really high.","start":442.54,"end":451.12,"sentiment":"neutral","sentiment_score":-0.046898806610932715},{"text":"When you're in a balanced fund, you really want more like 65, 70%.","start":451.645,"end":456.145,"sentiment":"neutral","sentiment_score":0.052450140221760824},{"text":"So that will make it less less up and down if that makes sense.","start":456.685,"end":460.705,"sentiment":"neutral","sentiment_score":-0.04182845912873745},{"text":"So one of the questions I've sort of got, if you're still trying to grow it, then you can't go too low in the risk scale.","start":462.76498,"end":470.39,"sentiment":"neutral","sentiment_score":-0.13287846686748359},{"text":"Because if you were sitting there in conservative and cash, it's not gonna grow and then nothing to retire on.","start":470.39,"end":476.97,"sentiment":"neutral","sentiment_score":-0.2074785329401493}],"sentiment":"neutral","sentiment_score":-0.08815683206223478,"num_words":99,"start":442.54,"end":476.97},{"sentences":[{"text":"But growth might be a little bit too high for you because if the stock market keeps crashing, it might drop another 10 to 20%.","start":477.19,"end":484.89502,"sentiment":"negative","sentiment_score":-0.4312474977970123},{"text":"So you're a hundred and thirty eight thousand three fifty.","start":485.355,"end":488.815,"sentiment":"neutral","sentiment_score":-0.18418716192245482},{"text":"If you stay in the growth risk profile, it could go down to a 110.","start":489.195,"end":493.695,"sentiment":"neutral","sentiment_score":-0.25390393535296124},{"text":"Does that sound a bit too high?","start":496.00998,"end":497.71,"sentiment":"neutral","sentiment_score":-0.25511689271245686},{"text":"Depends on what you pick again.","start":509.70502,"end":511.145,"sentiment":"neutral","sentiment_score":-0.013592072452108065}],"sentiment":"neutral","sentiment_score":-0.290460139335621,"num_words":63,"start":477.19,"end":511.145},{"sentences":[{"text":"Like, if you pick their high growth, it'll be really risky if you pick their balance.","start":511.145,"end":515.485,"sentiment":"neutral","sentiment_score":-0.08007083216216415},{"text":"Perfect, mate.","start":518.76,"end":519.58,"sentiment":"positive","sentiment_score":0.3976849615573883},{"text":"Then if you go through to, let's say, AustralianSuper or Host Plus, so what we would do is we would basically just sell down everything in Hub twenty four.","start":522.12,"end":530.6,"sentiment":"neutral","sentiment_score":0.0992109598270778},{"text":"And then like you said, if you try and pick a balanced one, you've got Hub offers balance, Australian Super's got balance, and host everyone's got a balance option.","start":530.6,"end":539.575,"sentiment":"neutral","sentiment_score":0.10439090777573914},{"text":"Do you want me to do, like, a comparison for you between the three just to show you, like, the returns, risk level, fees?","start":539.79504,"end":547.875,"sentiment":"neutral","sentiment_score":0.10531156696379185}],"sentiment":"neutral","sentiment_score":0.07946168376132846,"num_words":100,"start":511.145,"end":547.875},{"sentences":[{"text":"Would that be helpful?","start":547.875,"end":548.935,"sentiment":"neutral","sentiment_score":0.11178314499557018},{"text":"Because, like, if, let's say, you were gonna stay with us and Hub twenty four, I would be reducing you down to a balance as well and changing a couple of the options so it's not as risky.","start":551.62,"end":564.095,"sentiment":"neutral","sentiment_score":0.17662614544755534},{"text":"So if you're okay with this, I wanna just do a balance versus balance versus balance, and then you can pick which one you wanna do.","start":564.235,"end":571.535,"sentiment":"neutral","sentiment_score":0.1419895999133587},{"text":"Yes.","start":576.01,"end":576.51,"sentiment":"neutral","sentiment_score":0.16420842707157135},{"text":"Everything's gonna show you the account fees, investment fees, adviser fees, insurance premiums.","start":577.13,"end":583.87,"sentiment":"neutral","sentiment_score":0.1537105693266942}],"sentiment":"neutral","sentiment_score":0.15869636015921104,"num_words":82,"start":547.875,"end":583.87},{"sentences":[{"text":"I'll break all of that down for you.","start":584.09,"end":586.005,"sentiment":"neutral","sentiment_score":0.22609391063451767},{"text":"Perfect.","start":588.485,"end":588.965,"sentiment":"positive","sentiment_score":0.5409667491912842},{"text":"Mate, it might take me, like, a a week or two just to do the research on three different portfolios and put it in a document.","start":588.965,"end":595.145,"sentiment":"neutral","sentiment_score":0.21574770028774554},{"text":"Is it okay if the team calls you in about a week and a half just to book you in to go through that with me?","start":595.84503,"end":601.74,"sentiment":"neutral","sentiment_score":0.23361542648994005},{"text":"Yeah.","start":617.675,"end":617.915,"sentiment":"neutral","sentiment_score":0.07629053294658661}],"sentiment":"neutral","sentiment_score":0.22757177199086837,"num_words":62,"start":584.09,"end":617.915},{"sentences":[{"text":"That's right.","start":617.915,"end":618.555,"sentiment":"neutral","sentiment_score":0.14098645001649857},{"text":"There's no exit fees or anything like that.","start":618.555,"end":620.895,"sentiment":"neutral","sentiment_score":-0.024637910188175738},{"text":"Yes.","start":630.49,"end":630.99,"sentiment":"neutral","sentiment_score":0.10834895074367525},{"text":"When you hit age 60 oh, sorry.","start":631.13,"end":635.15,"sentiment":"neutral","sentiment_score":0.06940409168601036},{"text":"When you're above 60 and when you go into retirement phase, so let's say you retire at, say, 65, when you put it into a pension account, like, Hub twenty four can move your investments inside the pension account without selling them, and then it's there's it's tax free investment, tax free gains, tax free dividends, tax free withdrawals when you wanna pull the money out.","start":635.37,"end":659.33,"sentiment":"neutral","sentiment_score":0.280779276494727}],"sentiment":"neutral","sentiment_score":0.22869618404434905,"num_words":84,"start":617.915,"end":659.33},{"sentences":[{"text":"And that's pretty well the same across the board.","start":659.33,"end":662.07,"sentiment":"positive","sentiment_score":0.4795737663904826},{"text":"There's also the insurance premiums I wanted to just quickly tell you about as well because that's obviously coming out of the super two.","start":667.34503,"end":674.725,"sentiment":"neutral","sentiment_score":0.0594378545259436},{"text":"Do you know what your insurance policy is?","start":676.385,"end":678.865,"sentiment":"neutral","sentiment_score":-0.009687911253422499},{"text":"Because that's that's a couple of grand of fees coming out as well.","start":678.865,"end":681.82,"sentiment":"neutral","sentiment_score":-0.005916675122884603},{"text":"Yes.","start":686.52,"end":687.02,"sentiment":"neutral","sentiment_score":0.11147356033325195}],"sentiment":"neutral","sentiment_score":0.1036313799971884,"num_words":55,"start":659.33,"end":687.02},{"sentences":[{"text":"Zurich, that's the one.","start":687.56,"end":688.92,"sentiment":"neutral","sentiment_score":0.08909068629145622},{"text":"That's life insurance disability, and that's that's 2,342 that comes out after you take into account 15% tax rebate.","start":688.92,"end":701.575,"sentiment":"neutral","sentiment_score":0.07745363720153507},{"text":"So that's having a little bit of an impact as well.","start":701.875,"end":704.375,"sentiment":"neutral","sentiment_score":-0.04034973240711472},{"text":"That's for 350,595 worth of cover, you know, to protect, like, mortgage and income replacements and all that kind of thing.","start":705.315,"end":717.94,"sentiment":"neutral","sentiment_score":0.06982353276440076},{"text":"That's gonna go up again end of this year, and that'll probably jump up another $5,600.","start":719.295,"end":724.895,"sentiment":"neutral","sentiment_score":-0.04488920350559056}],"sentiment":"neutral","sentiment_score":0.030031010246192907,"num_words":71,"start":687.56,"end":724.895},{"sentences":[{"text":"So I wanted to let you know that should we look at changing some of it with the insurances?","start":724.895,"end":729.875,"sentiment":"neutral","sentiment_score":0.19486469304875323},{"text":"Do you wanna leave it as is for the year and look at it at Christmas time?","start":730.65497,"end":735.33997,"sentiment":"neutral","sentiment_score":0.08582554056363947},{"text":"What are your thoughts?","start":735.63995,"end":736.62,"sentiment":"neutral","sentiment_score":0.04483406338840723},{"text":"The renewal date is December 28, and they'll give you a notice, like, thirty days before that, November.","start":741.95996,"end":751.475,"sentiment":"neutral","sentiment_score":0.037788285977310605},{"text":"They'll send you, like, a an up like, a renewal notice with the changes.","start":751.475,"end":756.615,"sentiment":"neutral","sentiment_score":0.05614738738430398}],"sentiment":"neutral","sentiment_score":0.09454239141713414,"num_words":72,"start":724.895,"end":756.615},{"sentences":[{"text":"Yeah.","start":770.20996,"end":770.52997,"sentiment":"neutral","sentiment_score":0.048427678644657135},{"text":"So you've got couple of options.","start":770.52997,"end":772.32495,"sentiment":"neutral","sentiment_score":0.19477727015813193},{"text":"That's already paid to December.","start":773.26495,"end":774.96497,"sentiment":"neutral","sentiment_score":0.20729520320892333},{"text":"So if something happens to you, you can still claim on it.","start":775.02496,"end":778.08496,"sentiment":"neutral","sentiment_score":0.21292852237820625},{"text":"You can change the details with Zurich for the premiums for the next year to come out of host plus or Australian super, but then you might also get a little bit of automatic insurance when you open up a Host Plus account.","start":778.225,"end":793.37,"sentiment":"neutral","sentiment_score":0.17837276777555777}],"sentiment":"neutral","sentiment_score":0.18624982982873917,"num_words":67,"start":770.20996,"end":793.37},{"sentences":[{"text":"They may give you $60,000 of life insurance or something like that.","start":793.43,"end":798.25,"sentiment":"neutral","sentiment_score":0.12597519531846046},{"text":"So you just have to check that.","start":799.36505,"end":800.905,"sentiment":"neutral","sentiment_score":0.08175919364605631},{"text":"Yeah.","start":810.405,"end":810.72504,"sentiment":"neutral","sentiment_score":0.07322019338607788},{"text":"It would likely be a little bit cheaper because it would be probably about a sixth of the amount of cover.","start":810.72504,"end":816.51,"sentiment":"neutral","sentiment_score":0.029671125291358857},{"text":"But I think at your age, they do an age based default, and it I I would guess it's around 60,000 worth of cover, but we'll have to just double check with host plus.","start":816.73,"end":825.29,"sentiment":"neutral","sentiment_score":-0.021114755860146356}],"sentiment":"neutral","sentiment_score":0.0274990509947141,"num_words":75,"start":793.43,"end":825.29},{"sentences":[{"text":"Don't know off the top of my head.","start":825.29,"end":826.815,"sentiment":"neutral","sentiment_score":-0.08040294842794538},{"text":"So definitely worth checking that as well.","start":830.415,"end":832.255,"sentiment":"neutral","sentiment_score":0.1008256876042911},{"text":"For now, I'll just leave it as is because it's already paid.","start":832.255,"end":835.795,"sentiment":"neutral","sentiment_score":0.09723206982016563},{"text":"I can even do a little bit of research on the default insurances as well for you if you want and just include some information on that.","start":837.535,"end":843.77,"sentiment":"neutral","sentiment_score":0.3283854342169232},{"text":"Yep.","start":856.005,"end":856.505,"sentiment":"neutral","sentiment_score":0.13372734189033508}],"sentiment":"neutral","sentiment_score":0.18599045689810406,"num_words":55,"start":825.29,"end":856.505},{"sentences":[{"text":"Yeah.","start":856.72504,"end":857.045,"sentiment":"neutral","sentiment_score":0.13957560062408447},{"text":"That'd be fine.","start":857.045,"end":858.025,"sentiment":"neutral","sentiment_score":0.19533343613147736},{"text":"Just because it is Friday, are you okay if I go through this with you possibly next Friday just to give me a bit of time to put that together?","start":860.885,"end":868.265,"sentiment":"neutral","sentiment_score":0.1282140500843525},{"text":"Yep.","start":871.64,"end":872.12,"sentiment":"neutral","sentiment_score":0.28528159856796265},{"text":"I'll escalate a little bit and see how quickly we can put it together.","start":872.12,"end":875.18,"sentiment":"neutral","sentiment_score":0.15731293708086014}],"sentiment":"neutral","sentiment_score":0.14407469651528768,"num_words":49,"start":856.72504,"end":875.18},{"sentences":[{"text":"I normally just compare the two funds, but do you if you want me to do a little bit quicker, I don't have to compare Australian Super if you want.","start":875.48,"end":882.12,"sentiment":"neutral","sentiment_score":0.04484299030154944},{"text":"I can just do the Hub 24 and the host plus.","start":882.12,"end":885.875,"sentiment":"neutral","sentiment_score":0.10527114976536144},{"text":"Yep.","start":889.45496,"end":889.855,"sentiment":"neutral","sentiment_score":0.30307891964912415},{"text":"Cool.","start":889.855,"end":890.255,"sentiment":"positive","sentiment_score":0.4808416664600372},{"text":"So balanced risk, look at some default insurances, host plus, and the Hub 24.","start":890.255,"end":898.71,"sentiment":"neutral","sentiment_score":0.1987580204648631}],"sentiment":"neutral","sentiment_score":0.10648781103653866,"num_words":57,"start":875.48,"end":898.71},{"sentences":[{"text":"Look.","start":899.03,"end":899.19,"sentiment":"neutral","sentiment_score":0.2438737004995346},{"text":"I'll put together what I think the investment should be if you were to stay with hub, and then I'll just compare it with host plus.","start":899.19,"end":905.43,"sentiment":"neutral","sentiment_score":0.3176475413716756},{"text":"You can make a decision, and either way, we'll kind of help you with it, especially if we need to change the insurance details and whatnot.","start":905.43,"end":913.735,"sentiment":"positive","sentiment_score":0.3768162354826927},{"text":"And then let's say you go to host plus, they send a request through, we can sell everything down, and it will move across.","start":914.115,"end":921.175,"sentiment":"neutral","sentiment_score":0.21289383371671042},{"text":"Just letting you know as well that our fees basically have stopped now.","start":921.315,"end":925.71,"sentiment":"neutral","sentiment_score":-0.010600988681499775}],"sentiment":"neutral","sentiment_score":0.2585730117228296,"num_words":90,"start":899.03,"end":925.71},{"sentences":[{"text":"So they kind of expired as of, I think, two weeks from now.","start":925.95,"end":930.61005,"sentiment":"neutral","sentiment_score":-0.1119716614484787},{"text":"So there'll be nothing coming out there, but I'll include it in the projection just in case you still wanna stay with us.","start":930.67004,"end":938.37,"sentiment":"neutral","sentiment_score":0.0522712226147237},{"text":"So you so with our service with advisers, there's, like, a ongoing service agreement for the twelve months, and that was the 1.65% that Samantha was talking about, and then they split that up into monthly payments.","start":938.59,"end":957.26,"sentiment":"neutral","sentiment_score":0.02625492197536939},{"text":"The last one has just happened, and I think I'm looking at your account now.","start":957.88,"end":963.34,"sentiment":"neutral","sentiment_score":-0.017174537697186073},{"text":"It says that we will no longer be, like, advisers on the account on the April 26.","start":964.04004,"end":972.785,"sentiment":"neutral","sentiment_score":-0.04108055418028551}],"sentiment":"neutral","sentiment_score":-0.0022661795440529074,"num_words":105,"start":925.95,"end":972.785},{"sentences":[{"text":"That's kind of when the agreement ends.","start":973.165,"end":975.265,"sentiment":"neutral","sentiment_score":-0.03686452178018434},{"text":"So I think that's two weeks.","start":977.325,"end":978.945,"sentiment":"neutral","sentiment_score":0.028030157710115116},{"text":"Yeah.","start":981.5,"end":981.82,"sentiment":"neutral","sentiment_score":0.09916596114635468},{"text":"That's right.","start":981.82,"end":982.56,"sentiment":"neutral","sentiment_score":0.18640587478876114},{"text":"But I'll include it there just so you can see it, though, even if it's going off.","start":986.94,"end":991.02,"sentiment":"neutral","sentiment_score":0.2675822552512674}],"sentiment":"neutral","sentiment_score":0.14942440435741888,"num_words":33,"start":973.165,"end":991.02},{"sentences":[{"text":"Like, let's say you're happy with everything.","start":991.02,"end":993.10004,"sentiment":"positive","sentiment_score":0.48654970952442717},{"text":"I'll still put it in there just so you can see what it is so you can make your decision.","start":993.10004,"end":998.57495,"sentiment":"positive","sentiment_score":0.35519248247146606},{"text":"Yeah.","start":1005.75494,"end":1006.07495,"sentiment":"neutral","sentiment_score":0.09713327884674072},{"text":"Yep.","start":1006.07495,"end":1006.39496,"sentiment":"neutral","sentiment_score":0.11554603278636932},{"text":"It'll be side by side.","start":1006.39496,"end":1007.77496,"sentiment":"neutral","sentiment_score":0.10643054991960525}],"sentiment":"neutral","sentiment_score":0.33101557874504256,"num_words":34,"start":991.02,"end":1007.77496},{"sentences":[{"text":"Perfect.","start":1010.84,"end":1011.34,"sentiment":"positive","sentiment_score":0.5586621761322021},{"text":"Mate, is there anything else I can add into this?","start":1011.4,"end":1014.06,"sentiment":"neutral","sentiment_score":0.14149218052625656},{"text":"Perfect.","start":1018.76,"end":1019.16003,"sentiment":"positive","sentiment_score":0.5979055762290955},{"text":"Look.","start":1019.16003,"end":1019.32,"sentiment":"neutral","sentiment_score":0.2833111584186554},{"text":"If you think of anything else, let us know.","start":1019.32,"end":1021.24,"sentiment":"neutral","sentiment_score":0.17255192167229122}],"sentiment":"neutral","sentiment_score":0.20035309141332452,"num_words":22,"start":1010.84,"end":1021.24},{"sentences":[{"text":"Just send through an email, text, or call.","start":1021.24,"end":1023.5,"sentiment":"neutral","sentiment_score":0.16147669591009617},{"text":"I'll put this together.","start":1023.615,"end":1024.755,"sentiment":"neutral","sentiment_score":0.23131299018859863},{"text":"And then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday?","start":1025.775,"end":1035.5549,"sentiment":"neutral","sentiment_score":0.04504650617363276},{"text":"Oh, yep.","start":1043.81,"end":1044.4501,"sentiment":"neutral","sentiment_score":0.02651494275778532},{"text":"Okay.","start":1044.4501,"end":1044.9501,"sentiment":"neutral","sentiment_score":0.02682032994925976}],"sentiment":"neutral","sentiment_score":0.08364693833781141,"num_words":42,"start":1021.24,"end":1044.9501},{"sentences":[{"text":"Finish at three.","start":1047.7301,"end":1049.03,"sentiment":"neutral","sentiment_score":0.017776087547341984},{"text":"Let me just double check your sorry.","start":1049.25,"end":1053.225,"sentiment":"neutral","sentiment_score":-0.0192390467439379},{"text":"Just grabbing your account up.","start":1053.225,"end":1055.9651,"sentiment":"neutral","sentiment_score":-0.04861002936959267},{"text":"You're in so you don't have daylight savings anymore.","start":1057.4651,"end":1060.185,"sentiment":"neutral","sentiment_score":-0.07441280119948918},{"text":"Is that right?","start":1060.185,"end":1060.925,"sentiment":"neutral","sentiment_score":0.00043312367051839823}],"sentiment":"neutral","sentiment_score":-0.03677077967397593,"num_words":27,"start":1047.7301,"end":1060.925},{"sentences":[{"text":"Yes.","start":1067.56,"end":1068.04,"sentiment":"neutral","sentiment_score":0.04262681305408478},{"text":"Same same in Queensland time as well.","start":1068.04,"end":1070.38,"sentiment":"neutral","sentiment_score":0.03709507254617555},{"text":"K.","start":1073.24,"end":1073.74,"sentiment":"neutral","sentiment_score":0.012143408879637718},{"text":"Now I will be off picking the kids up from school at 03:00 next Friday.","start":1073.8,"end":1078.035,"sentiment":"neutral","sentiment_score":0.018825288489460947},{"text":"Is it possible to do any earlier, like, around, like, lunchtime or anything, or you'll just be busy?","start":1078.035,"end":1083.415,"sentiment":"neutral","sentiment_score":0.009675089683797624}],"sentiment":"neutral","sentiment_score":0.01835634931921959,"num_words":42,"start":1067.56,"end":1083.415},{"sentences":[{"text":"Yep.","start":1090.13,"end":1090.5299,"sentiment":"neutral","sentiment_score":0.06136642023921013},{"text":"I could probably do 11:30 if that's okay.","start":1090.5299,"end":1092.87,"sentiment":"neutral","sentiment_score":0.04558362299576402},{"text":"Perfect.","start":1096.85,"end":1097.35,"sentiment":"neutral","sentiment_score":0.2242121249437332},{"text":"11:30AM.","start":1098.0499,"end":1099.2699,"sentiment":"neutral","sentiment_score":0.11741771548986436},{"text":"I just have one client before that.","start":1099.4099,"end":1102.3899,"sentiment":"neutral","sentiment_score":0.12078944061483655}],"sentiment":"neutral","sentiment_score":0.08962174049682087,"num_words":18,"start":1090.13,"end":1102.3899},{"sentences":[{"text":"So I'll send you a text beforehand just to let you know, like, if I'm gonna be a couple of minutes late or something because I don't wanna waste your time.","start":1102.61,"end":1110.4249,"sentiment":"neutral","sentiment_score":0.10832212072226309},{"text":"But I'll make sure that I send the document through to you as 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weekend.","start":1129.655,"end":1131.195,"sentiment":"positive","sentiment_score":0.8469171166419983},{"text":"I'll get started on the research, and we'll talk to you next Friday.","start":1131.255,"end":1134.635,"sentiment":"positive","sentiment_score":0.4816758976532863},{"text":"Thank you.","start":1138.615,"end":1139.175,"sentiment":"positive","sentiment_score":0.7799182534217834}],"sentiment":"positive","sentiment_score":0.6099094736079375,"num_words":24,"start":1127.46,"end":1139.175},{"sentences":[{"text":"See you later.","start":1139.175,"end":1139.915,"sentiment":"neutral","sentiment_score":0.31969573845465976}],"sentiment":"neutral","sentiment_score":0.31969573845465976,"num_words":3,"start":1139.175,"end":1139.915}]}}]},{"alternatives":[{"transcript":"I'm good then. Goodbye. Sorry. I have issue with my phone. All good, mate. Mhmm. Yep. Yep. I have two options. Either host plus or a silent super. I think I'll I'll go to host plus. I think they have the best record, I think, for returns. Yeah. Yep. Okay. Yes. Yep. Yep. Mhmm. Is that is is that from the start of inception to Hub twenty four? Were you able to check where did I start with hub twenty four? From the start. Over three and a half years. That is the exclusive of fees. Mhmm. The thing is for the past six months, I got stuck with that amount. Yeah. And since my my super contribution is doing nothing. Yeah. Because I think this is a bit risky. Whereas if I go to host plus, I think I minimize the risk. Yeah? Yeah. That's why I want to I want to minimize less less on the risk now. Apply. Yeah. I want to be do it early. The earliest I can, the better. But if I can't, so so I go for 65 to seven. Yeah. Yeah. Yeah. Mhmm. Yeah. So I want to avoid the plan. So I I want to avoid that one. If I go to regular super, like host plus, that's that's safer. Yeah? No. No. I won't I won't be picking the hydro. I won't be picking the hydro. We just the the balance one. Yeah. Yeah. You can do that. Yeah. Try it first. Inclusive of the PC. Yeah. You can do that. Yep. Yeah. You can do that. The only issues with Hopfestival and OPU is the when is the capital gain tax when I decide to move over. Yeah? And when when when does the I think it's a period where I can avoid that one. When I reach a certain age, is that something that you're aware about? Yeah. Yeah. It should be mhmm. Yep. And what's the is the storage? Yeah. When when is the renewal date of that insurance? I'm at in case I I moved to HousePlus, I can still use that insurance until December before I ask them to change over. Yeah? Is that what's happening? Or with them. I might as well check with them what is their insurance, their default insurance, and could be cheaper. Yeah? I think it's a little cheap. Yep. Yep. If you can include the phone as well. Okay. And no worries. I can give you a quick I can wait, yeah, before I move before I decide to move or not. Yeah. So mhmm. Yeah. We just yeah. If you can do that in a week's time, that would be great. Yeah. Yeah. I'm leaning towards host stuff anyway. What do you mean what do you mean that you're expired? What do you mean by that? It's it's a monthly the your fee is on monthly basis. Yeah? Okay. No worries. Yes. So that and just put you would know as well how much post purchase fee is as well, so I can compare. Okay. No worries. No good. Alright. Does it I think it will be all. Possibly in the afternoon because right now, I'm today, I'm off, but next week, I'll be working. I'll finish at I'll finish at three. Yeah. Right now, it's what's the time now? This is ten 11:00. About yeah. Let's do lunchtime, maybe maybe 11:11 thirty, something like that. Yeah. That'll be okay. I'll just take my lunch at 11:30. No worries. Yep. That would be great. Mhmm. I need a cell phone now. Alright. Talk to you soon. 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good then. Goodbye. Sorry. I have issue with my phone. All good, mate.\n\nMhmm. Yep. Yep. I have two options. Either host plus or a silent super.\n\nI think I'll I'll go to host plus. I think they have the best record, I think, for returns. Yeah. Yep. Okay.\n\nYes. Yep. Yep. Mhmm. Is that is is that from the start of inception to Hub twenty four?\n\nWere you able to check where did I start with hub twenty four? From the start. Over three and a half years. That is the exclusive of fees. Mhmm.\n\nThe thing is for the past six months, I got stuck with that amount. Yeah. And since my my super contribution is doing nothing. Yeah. Because I think this is a bit risky.\n\nWhereas if I go to host plus, I think I minimize the risk. Yeah? Yeah. That's why I want to I want to minimize less less on the risk now. Apply.\n\nYeah. I want to be do it early. The earliest I can, the better. But if I can't, so so I go for 65 to seven. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. So I want to avoid the plan.\n\nSo I I want to avoid that one. If I go to regular super, like host plus, that's that's safer. Yeah? No. No.\n\nI won't I won't be picking the hydro. I won't be picking the hydro. We just the the balance one. Yeah. Yeah.\n\nYou can do that. Yeah. Try it first. Inclusive of the PC. Yeah.\n\nYou can do that. Yep. Yeah. You can do that. The only issues with Hopfestival and OPU is the when is the capital gain tax when I decide to move over.\n\nYeah? And when when when does the I think it's a period where I can avoid that one. When I reach a certain age, is that something that you're aware about? Yeah. Yeah.\n\nIt should be mhmm. Yep. And what's the is the storage? Yeah. When when is the renewal date of that insurance?\n\nI'm at in case I I moved to HousePlus, I can still use that insurance until December before I ask them to change over. Yeah? Is that what's happening? Or with them. I might as well check with them what is their insurance, their default insurance, and could be cheaper.\n\nYeah? I think it's a little cheap. Yep. Yep. If you can include the phone as well.\n\nOkay. And no worries. I can give you a quick I can wait, yeah, before I move before I decide to move or not. Yeah. So mhmm.\n\nYeah. We just yeah. If you can do that in a week's time, that would be great. Yeah. Yeah.\n\nI'm leaning towards host stuff anyway. What do you mean what do you mean that you're expired? What do you mean by that? It's it's a monthly the your fee is on monthly basis. Yeah?\n\nOkay. No worries. Yes. So that and just put you would know as well how much post purchase fee is as well, so I can compare. Okay.\n\nNo worries. No good. Alright. Does it I think it will be all. Possibly in the afternoon because right now, I'm today, I'm off, but next week, I'll be working.\n\nI'll finish at I'll finish at three. Yeah. Right now, it's what's the time now? This is ten 11:00. About yeah.\n\nLet's do lunchtime, maybe maybe 11:11 thirty, something like that. Yeah. That'll be okay. I'll just take my lunch at 11:30. No worries.\n\nYep. That would be great. Mhmm. I need a cell phone now. Alright.\n\nTalk to you soon. Bye bye.","paragraphs":[{"sentences":[{"text":"I'm good then.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.4405840039253235},{"text":"Goodbye.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.11561674624681471},{"text":"Sorry.","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.2174083441495895},{"text":"I have issue with my phone.","start":7.3599997,"end":8.82,"sentiment":"neutral","sentiment_score":-0.2744814505179723},{"text":"All good, mate.","start":17.305,"end":18.365,"sentiment":"positive","sentiment_score":0.6856778065363566}],"sentiment":"neutral","sentiment_score":0.11643608074103083,"num_words":14,"start":5.92,"end":18.365},{"sentences":[{"text":"Mhmm.","start":25.945,"end":26.445,"sentiment":"neutral","sentiment_score":0.12109284102916718},{"text":"Yep.","start":40.435,"end":40.935,"sentiment":"neutral","sentiment_score":0.1002897173166275},{"text":"Yep.","start":43.395,"end":43.895,"sentiment":"neutral","sentiment_score":0.17925959825515747},{"text":"I have two options.","start":54.21,"end":55.25,"sentiment":"neutral","sentiment_score":0.019433225970715284},{"text":"Either host plus or a silent super.","start":55.25,"end":57.829998,"sentiment":"neutral","sentiment_score":0.023094612040690014}],"sentiment":"neutral","sentiment_score":0.04571695319776024,"num_words":14,"start":25.945,"end":57.829998},{"sentences":[{"text":"I think I'll I'll go to host plus.","start":62.769997,"end":64.79,"sentiment":"neutral","sentiment_score":0.027504617115482688},{"text":"I think they have the best record, I think, for returns.","start":70.424995,"end":79.6,"sentiment":"neutral","sentiment_score":0.163526021621444},{"text":"Yeah.","start":83.659996,"end":84.159996,"sentiment":"neutral","sentiment_score":0.026320043951272964},{"text":"Yep.","start":87.979996,"end":88.479996,"sentiment":"neutral","sentiment_score":0.04317552596330643},{"text":"Okay.","start":92.745,"end":93.245,"sentiment":"neutral","sentiment_score":0.04634316265583038}],"sentiment":"neutral","sentiment_score":0.09703008669682524,"num_words":22,"start":62.769997,"end":93.245},{"sentences":[{"text":"Yes.","start":105.385,"end":105.885,"sentiment":"neutral","sentiment_score":0.07129669189453125},{"text":"Yep.","start":119.479996,"end":119.979996,"sentiment":"neutral","sentiment_score":0.1620241552591324},{"text":"Yep.","start":135.40001,"end":135.90001,"sentiment":"neutral","sentiment_score":0.3221106231212616},{"text":"Mhmm.","start":156.155,"end":156.655,"sentiment":"neutral","sentiment_score":0.040083788335323334},{"text":"Is that is is that from the start of inception to Hub twenty four?","start":173.975,"end":178.955,"sentiment":"neutral","sentiment_score":0.02903403534686991}],"sentiment":"neutral","sentiment_score":0.05566620852591263,"num_words":18,"start":105.385,"end":178.955},{"sentences":[{"text":"Were you able to check where did I start with hub twenty four?","start":187.72,"end":193.5,"sentiment":"neutral","sentiment_score":0.0009520980887688124},{"text":"From the start.","start":215.62001,"end":216.52,"sentiment":"neutral","sentiment_score":0.00802941775570313},{"text":"Over three and a half years.","start":220.26001,"end":223.64,"sentiment":"neutral","sentiment_score":0.019794229418039322},{"text":"That is the exclusive of fees.","start":235.505,"end":238.88501,"sentiment":"neutral","sentiment_score":0.04689228472610315},{"text":"Mhmm.","start":255.36499,"end":255.605,"sentiment":"neutral","sentiment_score":-0.03805067390203476}],"sentiment":"neutral","sentiment_score":0.013742549633928415,"num_words":29,"start":187.72,"end":255.605},{"sentences":[{"text":"The thing is for the past six months, I got stuck with that amount.","start":255.605,"end":259.225,"sentiment":"neutral","sentiment_score":-0.15550298456634795},{"text":"Yeah.","start":270.38,"end":270.69998,"sentiment":"neutral","sentiment_score":-0.1647469401359558},{"text":"And since my my super contribution is doing nothing.","start":270.69998,"end":275.75998,"sentiment":"neutral","sentiment_score":-0.13663790292210048},{"text":"Yeah.","start":320.325,"end":320.76,"sentiment":"neutral","sentiment_score":-0.22587129473686215},{"text":"Because I think this is a bit risky.","start":321.96002,"end":323.98,"sentiment":"negative","sentiment_score":-0.47250228002667427}],"sentiment":"neutral","sentiment_score":-0.22961876925193903,"num_words":33,"start":255.605,"end":323.98},{"sentences":[{"text":"Whereas if I go to host plus, I think I minimize the risk.","start":324.36002,"end":329.56,"sentiment":"neutral","sentiment_score":-0.2539475445563977},{"text":"Yeah?","start":329.56,"end":330.06,"sentiment":"neutral","sentiment_score":-0.1625744104385376},{"text":"Yeah.","start":358.52,"end":358.84,"sentiment":"neutral","sentiment_score":-0.07083173096179962},{"text":"That's why I want to I want to minimize less less on the risk now.","start":358.84,"end":363.26,"sentiment":"neutral","sentiment_score":-0.05397060364484787},{"text":"Apply.","start":364.28,"end":364.78,"sentiment":"neutral","sentiment_score":-0.04437928274273872}],"sentiment":"neutral","sentiment_score":-0.14156975993706333,"num_words":31,"start":324.36002,"end":364.78},{"sentences":[{"text":"Yeah.","start":366.045,"end":366.545,"sentiment":"neutral","sentiment_score":0.04914877563714981},{"text":"I want to be do it early.","start":383.37003,"end":385.15002,"sentiment":"neutral","sentiment_score":-0.015384708132062639},{"text":"The earliest I can, the better.","start":385.29,"end":387.87003,"sentiment":"neutral","sentiment_score":-0.011170209695895513},{"text":"But if I can't, so so I go for 65 to seven.","start":388.01,"end":391.79,"sentiment":"neutral","sentiment_score":-0.05543177310998241},{"text":"Yeah.","start":402.465,"end":402.965,"sentiment":"neutral","sentiment_score":-0.23287147283554077}],"sentiment":"neutral","sentiment_score":-0.03791178480066635,"num_words":27,"start":366.045,"end":402.965},{"sentences":[{"text":"Yeah.","start":404.785,"end":405.285,"sentiment":"neutral","sentiment_score":-0.0037574730813503265},{"text":"Yeah.","start":411.745,"end":412.245,"sentiment":"neutral","sentiment_score":0.1022375077009201},{"text":"Mhmm.","start":461.145,"end":461.645,"sentiment":"neutral","sentiment_score":-0.060138389468193054},{"text":"Yeah.","start":494.54498,"end":495.04498,"sentiment":"neutral","sentiment_score":-0.08207693696022034},{"text":"So I want to avoid the plan.","start":495.50497,"end":497.365,"sentiment":"neutral","sentiment_score":-0.21921228723866598}],"sentiment":"neutral","sentiment_score":-0.14347466386177324,"num_words":11,"start":404.785,"end":497.365},{"sentences":[{"text":"So I I want to avoid that one.","start":498.72,"end":500.5,"sentiment":"neutral","sentiment_score":-0.2960655502974987},{"text":"If I go to regular super, like host plus, that's that's safer.","start":500.56,"end":507.84,"sentiment":"neutral","sentiment_score":-0.09071947696308295},{"text":"Yeah?","start":507.84,"end":508.34,"sentiment":"neutral","sentiment_score":-0.05212255194783211},{"text":"No.","start":513.46497,"end":513.70496,"sentiment":"neutral","sentiment_score":-0.18653464317321777},{"text":"No.","start":513.70496,"end":513.94495,"sentiment":"neutral","sentiment_score":-0.23189491033554077}],"sentiment":"neutral","sentiment_score":-0.17077001006059025,"num_words":23,"start":498.72,"end":513.94495},{"sentences":[{"text":"I won't I won't be picking the hydro.","start":513.94495,"end":515.865,"sentiment":"neutral","sentiment_score":-0.13424354419112206},{"text":"I won't be picking the hydro.","start":515.865,"end":517.40497,"sentiment":"neutral","sentiment_score":-0.062041341637571655},{"text":"We just the the balance one.","start":518.665,"end":521.245,"sentiment":"neutral","sentiment_score":0.2087361216545105},{"text":"Yeah.","start":531.23,"end":531.73,"sentiment":"neutral","sentiment_score":0.05654985457658768},{"text":"Yeah.","start":549.21497,"end":549.695,"sentiment":"neutral","sentiment_score":0.1598268449306488}],"sentiment":"neutral","sentiment_score":0.0010271375490860505,"num_words":22,"start":513.94495,"end":549.695},{"sentences":[{"text":"You can do that.","start":549.695,"end":550.755,"sentiment":"neutral","sentiment_score":0.2213626652956009},{"text":"Yeah.","start":572.095,"end":572.33496,"sentiment":"neutral","sentiment_score":0.09846767783164978},{"text":"Try it first.","start":572.33496,"end":573.135,"sentiment":"neutral","sentiment_score":0.10779025653998058},{"text":"Inclusive of the PC.","start":573.135,"end":574.83496,"sentiment":"neutral","sentiment_score":0.1152113564312458},{"text":"Yeah.","start":586.58,"end":586.74005,"sentiment":"neutral","sentiment_score":0.18515364825725555}],"sentiment":"neutral","sentiment_score":0.1502529371243257,"num_words":13,"start":549.695,"end":586.74005},{"sentences":[{"text":"You can do that.","start":586.74005,"end":587.78,"sentiment":"neutral","sentiment_score":0.21378256753087044},{"text":"Yep.","start":587.78,"end":588.28,"sentiment":"positive","sentiment_score":0.3403319716453552},{"text":"Yeah.","start":602.575,"end":603.075,"sentiment":"neutral","sentiment_score":0.1997825503349304},{"text":"You can do that.","start":603.615,"end":604.915,"sentiment":"neutral","sentiment_score":0.21522801741957664},{"text":"The only issues with Hopfestival and OPU is the when is the capital gain tax when I decide to move over.","start":607.74,"end":615.82,"sentiment":"neutral","sentiment_score":-0.005292200261638278}],"sentiment":"neutral","sentiment_score":0.0691942147189571,"num_words":31,"start":586.74005,"end":615.82},{"sentences":[{"text":"Yeah?","start":615.82,"end":616.32,"sentiment":"neutral","sentiment_score":0.04456747323274613},{"text":"And when when when does the I think it's a period where I can avoid that one.","start":617.26,"end":625.155,"sentiment":"neutral","sentiment_score":-0.16261213667252483},{"text":"When I reach a certain age, is that something that you're aware about?","start":626.015,"end":629.955,"sentiment":"neutral","sentiment_score":-0.06419344232059442},{"text":"Yeah.","start":664.38,"end":664.88,"sentiment":"neutral","sentiment_score":0.15595106780529022},{"text":"Yeah.","start":667.1,"end":667.6,"sentiment":"neutral","sentiment_score":0.11725129932165146}],"sentiment":"neutral","sentiment_score":-0.09942882524972613,"num_words":33,"start":615.82,"end":667.6},{"sentences":[{"text":"It should be mhmm.","start":667.82,"end":669.92,"sentiment":"neutral","sentiment_score":0.07574175950139761},{"text":"Yep.","start":675.26,"end":675.76,"sentiment":"neutral","sentiment_score":0.07790622115135193},{"text":"And what's the is the storage?","start":683.825,"end":685.685,"sentiment":"neutral","sentiment_score":-0.003480267245322466},{"text":"Yeah.","start":736.225,"end":736.625,"sentiment":"neutral","sentiment_score":0.04379687458276749},{"text":"When when is the renewal date of that insurance?","start":736.625,"end":740.965,"sentiment":"neutral","sentiment_score":-0.01976054948237207}],"sentiment":"neutral","sentiment_score":0.01075921832982983,"num_words":21,"start":667.82,"end":740.965},{"sentences":[{"text":"I'm at in case I I moved to HousePlus, I can still use that insurance until December before I ask them to change over.","start":758.67004,"end":769.015,"sentiment":"neutral","sentiment_score":0.08221748688568671},{"text":"Yeah?","start":769.015,"end":769.515,"sentiment":"neutral","sentiment_score":0.08235444128513336},{"text":"Is that what's happening?","start":769.575,"end":770.795,"sentiment":"neutral","sentiment_score":0.07522902451455593},{"text":"Or with them.","start":801.325,"end":802.285,"sentiment":"neutral","sentiment_score":0.04762487051387628},{"text":"I might as well check with them what is their insurance, their default insurance, and could be cheaper.","start":802.285,"end":808.81,"sentiment":"neutral","sentiment_score":0.07666743939949407}],"sentiment":"neutral","sentiment_score":0.07758757490664721,"num_words":50,"start":758.67004,"end":808.81},{"sentences":[{"text":"Yeah?","start":808.81,"end":809.31,"sentiment":"neutral","sentiment_score":0.05487574636936188},{"text":"I think it's a little cheap.","start":811.76996,"end":813.47,"sentiment":"neutral","sentiment_score":0.03058037254959345},{"text":"Yep.","start":836.47,"end":836.97,"sentiment":"neutral","sentiment_score":0.32340770959854126},{"text":"Yep.","start":843.82996,"end":844.31,"sentiment":"neutral","sentiment_score":0.19024166464805603},{"text":"If you can include the phone as well.","start":844.31,"end":846.105,"sentiment":"neutral","sentiment_score":0.1497474228963256}],"sentiment":"neutral","sentiment_score":0.11470510229906615,"num_words":17,"start":808.81,"end":846.105},{"sentences":[{"text":"Okay.","start":846.26495,"end":846.505,"sentiment":"neutral","sentiment_score":0.11506380885839462},{"text":"And no worries.","start":846.505,"end":847.32495,"sentiment":"neutral","sentiment_score":0.1436050459742546},{"text":"I can give you a quick I can wait, yeah, before I move before I decide to move or not.","start":847.945,"end":855.46497,"sentiment":"neutral","sentiment_score":0.10897355563938618},{"text":"Yeah.","start":855.46497,"end":855.96497,"sentiment":"neutral","sentiment_score":0.12882119417190552},{"text":"So mhmm.","start":857.065,"end":859.08496,"sentiment":"neutral","sentiment_score":0.12679952010512352}],"sentiment":"neutral","sentiment_score":0.11510260347966794,"num_words":27,"start":846.26495,"end":859.08496},{"sentences":[{"text":"Yeah.","start":860.47,"end":860.94995,"sentiment":"neutral","sentiment_score":0.1046345680952072},{"text":"We just yeah.","start":860.94995,"end":869.02997,"sentiment":"neutral","sentiment_score":0.15581630170345306},{"text":"If you can do that in a week's time, that would be great.","start":869.02997,"end":871.52997,"sentiment":"positive","sentiment_score":0.4704288106698256},{"text":"Yeah.","start":886.23004,"end":886.47003,"sentiment":"neutral","sentiment_score":0.07336658239364624},{"text":"Yeah.","start":886.47003,"end":886.71,"sentiment":"neutral","sentiment_score":0.07462015002965927}],"sentiment":"positive","sentiment_score":0.35977077601771607,"num_words":19,"start":860.47,"end":886.71},{"sentences":[{"text":"I'm leaning towards host stuff anyway.","start":886.71,"end":888.73004,"sentiment":"neutral","sentiment_score":0.10223742077747981},{"text":"What do you mean what do you mean that you're expired?","start":938.57,"end":940.91,"sentiment":"neutral","sentiment_score":-0.01627140644599091},{"text":"What do you mean by that?","start":941.29,"end":942.58997,"sentiment":"neutral","sentiment_score":-0.02603635936975479},{"text":"It's it's a monthly the your fee is on monthly basis.","start":977.615,"end":980.575,"sentiment":"neutral","sentiment_score":0.042087719521739266},{"text":"Yeah?","start":980.575,"end":981.075,"sentiment":"neutral","sentiment_score":0.05335221812129021}],"sentiment":"neutral","sentiment_score":0.022701086582882064,"num_words":35,"start":886.71,"end":981.075},{"sentences":[{"text":"Okay.","start":986.175,"end":986.495,"sentiment":"neutral","sentiment_score":0.1947033405303955},{"text":"No worries.","start":986.495,"end":987.235,"sentiment":"neutral","sentiment_score":0.22533397376537323},{"text":"Yes.","start":996.25,"end":996.75,"sentiment":"neutral","sentiment_score":0.1594095528125763},{"text":"So that and just put you would know as well how much post purchase fee is as well, so I can compare.","start":997.69,"end":1005.15,"sentiment":"neutral","sentiment_score":0.08665607768026265},{"text":"Okay.","start":1008.46497,"end":1008.785,"sentiment":"neutral","sentiment_score":0.12889862060546875}],"sentiment":"neutral","sentiment_score":0.10518937668314686,"num_words":27,"start":986.175,"end":1008.785},{"sentences":[{"text":"No worries.","start":1008.785,"end":1009.425,"sentiment":"neutral","sentiment_score":0.1473064422607422},{"text":"No good.","start":1009.425,"end":1010.085,"sentiment":"neutral","sentiment_score":0.22923728823661804},{"text":"Alright.","start":1010.945,"end":1011.425,"sentiment":"neutral","sentiment_score":0.279195636510849},{"text":"Does it I think it will be all.","start":1011.425,"end":1017.685,"sentiment":"neutral","sentiment_score":0.18462459929287434},{"text":"Possibly in the afternoon because right now, I'm today, I'm off, but next week, I'll be working.","start":1037.145,"end":1043.085,"sentiment":"neutral","sentiment_score":-0.0015860562048414175}],"sentiment":"neutral","sentiment_score":0.08274389787887533,"num_words":30,"start":1008.785,"end":1043.085},{"sentences":[{"text":"I'll finish at I'll finish at three.","start":1043.7051,"end":1046.525,"sentiment":"neutral","sentiment_score":0.0196759734036667},{"text":"Yeah.","start":1062.1849,"end":1062.6849,"sentiment":"neutral","sentiment_score":0.0033095404505729675},{"text":"Right now, it's what's the time now?","start":1062.745,"end":1064.585,"sentiment":"neutral","sentiment_score":0.0006687134238226074},{"text":"This is ten 11:00.","start":1064.585,"end":1066.925,"sentiment":"neutral","sentiment_score":0.008368152193725109},{"text":"About yeah.","start":1081.97,"end":1084.2899,"sentiment":"neutral","sentiment_score":0.0021443152800202352}],"sentiment":"neutral","sentiment_score":0.008737313694187574,"num_words":21,"start":1043.7051,"end":1084.2899},{"sentences":[{"text":"Let's do lunchtime, maybe maybe 11:11 thirty, something like that.","start":1084.2899,"end":1089.585,"sentiment":"neutral","sentiment_score":0.02291400171816349},{"text":"Yeah.","start":1093.265,"end":1093.505,"sentiment":"neutral","sentiment_score":0.08045780658721924},{"text":"That'll be okay.","start":1093.505,"end":1094.225,"sentiment":"neutral","sentiment_score":0.1158736323316892},{"text":"I'll just take my lunch at 11:30.","start":1094.225,"end":1096.245,"sentiment":"neutral","sentiment_score":0.08514655062130519},{"text":"No worries.","start":1110.97,"end":1111.71,"sentiment":"neutral","sentiment_score":0.07541519030928612}],"sentiment":"neutral","sentiment_score":0.06104673720572306,"num_words":23,"start":1084.2899,"end":1111.71},{"sentences":[{"text":"Yep.","start":1114.01,"end":1114.51,"sentiment":"positive","sentiment_score":0.3500708043575287},{"text":"That would be great.","start":1114.6499,"end":1115.71,"sentiment":"positive","sentiment_score":0.696387991309166},{"text":"Mhmm.","start":1124.345,"end":1124.6649,"sentiment":"neutral","sentiment_score":-0.010318226180970669},{"text":"I need a cell phone now.","start":1124.6649,"end":1126.2849,"sentiment":"neutral","sentiment_score":0.016360136369864147},{"text":"Alright.","start":1135.64,"end":1136.14,"sentiment":"neutral","sentiment_score":0.2587103545665741}],"sentiment":"neutral","sentiment_score":0.26785967047684467,"num_words":13,"start":1114.01,"end":1136.14},{"sentences":[{"text":"Talk to you soon.","start":1136.28,"end":1137.3401,"sentiment":"neutral","sentiment_score":0.2804330550134182},{"text":"Bye bye.","start":1137.64,"end":1138.3,"sentiment":"neutral","sentiment_score":0.22931309044361115}],"sentiment":"neutral","sentiment_score":0.2633930668234825,"num_words":6,"start":1136.28,"end":1138.3}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Ben. It's Tommy here, senior adviser. How are you doing today?\n\nChannel 1: I'm good then. Goodbye. Sorry. I have issue with my phone.\n\nChannel 0: Yeah. No. That's no worries at all. Thank you for calling back in, mate. Bit of phone tag and text messages, but we we finally have each other.\n\nThank you so much.\n\nChannel 1: All good, mate.\n\nChannel 0: Awesome. So, mate, I've gone through a few details this morning, and thank you again for speaking to Sam yesterday. I've gotten\n\nChannel 1: Mhmm.\n\nChannel 0: some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing. So if you still\n\nChannel 1: Yep.\n\nChannel 0: have a few minutes for me, I'd like to go through that with you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Mate, just out of curiosity, so with the Australian super there, you were looking to roll over into that fund. Is that right?\n\nChannel 1: I have two options. Either host plus or a silent super.\n\nChannel 0: Okay. Yeah. And have you are you kind of leaning between one of them?\n\nChannel 1: I think I'll I'll go to host plus.\n\nChannel 0: Okay. And what made you pick Hostplus over Australian Super, if you don't mind me asking?\n\nChannel 1: I think they have the best record, I think, for returns.\n\nChannel 0: For returns. Yeah. So if you don't mind, I'm just\n\nChannel 1: Yeah.\n\nChannel 0: gonna quickly bring up their figures because I was looking at Australian Super this morning. I\n\nChannel 1: Yep.\n\nChannel 0: was looking at Hostplus a month ago, but I just wanna get their updated figures if that's alright.\n\nChannel 1: Okay.\n\nChannel 0: Just bear with me for two seconds. Here it is. So I was looking at your your hub 24. So just for a bit of context, you're in a growth portfolio. Right?\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: I would call that, like, a four out of five on a risk scale. Australian Super does have, like, a balanced and a high growth, so a three or a high risk. They don't have a growth fund.\n\nChannel 1: Yep.\n\nChannel 0: Their returns yeah. Australian Super's little bit average, nine to 10%, seven or 8% over ten years. Not too bad. I'd really like their insurances, though. Australian Super have really good default insurances.\n\nChannel 1: Yep.\n\nChannel 0: The growth funds for host plus as of February, that's looking a lot better. Ten years, 10%, that's pretty much it. So when you're looking at a similar risk level, you kind of wanna be hitting nine or 10% on average, if that makes sense.\n\nChannel 1: Mhmm.\n\nChannel 0: Your Hub twenty four, I was just looking at it today. It's just clear to just under 12% net of fees after all the fees and everything like that. So that's where Samantha quoted that $33,000 gain to you yesterday.\n\nChannel 1: Is that is is that from the start of inception to Hub twenty four?\n\nChannel 0: No. That was just a twelve month because I was just looking at, like, a bit of a an annual review, like, year versus year, if that makes sense.\n\nChannel 1: Were you able to check where did I start with hub twenty four?\n\nChannel 0: Let's have a look. So you first rolled in the 2022, so we'll call it sort of maybe three and a half years. Yeah. It's currently sitting up, I think, about 41% over that period\n\nChannel 1: From the start.\n\nChannel 0: from the start. Yeah.\n\nChannel 1: Over three and a half years.\n\nChannel 0: Yeah. That's right. So if we go 41, 3.5, so it's 11.7% net return per year in three and a half years\n\nChannel 1: That is the exclusive of fees.\n\nChannel 0: inclusive of fees. So I always go through, like, a net return. So that's including, like, contributions going in, fees, taxes, premiums going out, and then the net return of the investments.\n\nChannel 1: Mhmm. The thing is for the past six months, I got stuck with that amount.\n\nChannel 0: Oh, just with the yeah. I get you. This market going down, and it's kind of just been hovering at that $1.36 to 140,000.\n\nChannel 1: Yeah. And since my my super contribution is doing nothing.\n\nChannel 0: Yeah. At the moment, mate, the the stock market just keeps going down this year, especially with what happened in Iran. Basically, every market's just been going down. The only thing that didn't go down as much was, like, gold. It went down a little bit, but up for the year, I think your gold's still up 31%.\n\nYour agriculture shares are up 45%. Infrastructure's in there as well. That's up 25. American shares up nine and a half. The only one that's been down in your portfolio so far is a little bit of your Australian shares that went down about 11%.\n\nSo everything else has been shooting up quite fast.\n\nChannel 1: Yeah. Because I think this is a bit risky. Whereas if I go to host plus, I think I minimize the risk. Yeah?\n\nChannel 0: Gotcha. Gotcha. I mean, if you it depends on what investment you pick. So if you moved across into their growth fund or high growth fund, you would still be experiencing going up and down. You can still have a bit of control over the risk, whichever super fund that you use.\n\nYou're actually getting pretty close to your, like, your preservation age to access super. Like, you're getting really close to retirement, so you have to be careful with risk.\n\nChannel 1: Yeah. That's why I want to I want to minimize less less on the risk now.\n\nChannel 0: Less risk.\n\nChannel 1: Apply.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So let me just quickly ask you, whichever sort of fund you use, if you're gonna hit your preservation age in a few years when you can start accessing super, are you still looking to retire at, say, 65, 67? What are you thinking for time frame?\n\nChannel 1: I want to be do it early. The earliest I can, the better. But if I can't,\n\nChannel 0: Mhmm.\n\nChannel 1: so so I go for 65 to seven.\n\nChannel 0: Yeah. Yeah. So it's kind of you're in that weird balancing act where you're trying to grow it. So you've got enough to retire on, but you don't wanna lose it all right now with the stock market crashing, and then you\n\nChannel 1: Yeah.\n\nChannel 0: don't have enough. Do you know what I mean?\n\nChannel 1: Yeah.\n\nChannel 0: So let me quickly check a couple of things with you because you know how I said you're in a growth four out of five?\n\nChannel 1: Yeah.\n\nChannel 0: You generally wanna be in that profile if you're gonna invest for at least eight or nine years. And once you're less than eight or nine years, you have to start reducing your risk level. So balanced is three out of five. That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years. Does that make sense?\n\nSo what I'm saying there is because you know how I said you've got this gold and these shares and these properties? Your growth fund has 80% of your money in the high risk investments, the shares property gold, the ones that go up and down really high. When you're in a balanced fund, you really want more like 65, 70%. So that will make it less less up and down if that makes sense.\n\nChannel 1: Mhmm.\n\nChannel 0: So one of the questions I've sort of got, if you're still trying to grow it, then you can't go too low in the risk scale. Because if you were sitting there in conservative and cash, it's not gonna grow and then nothing to retire on. But growth might be a little bit too high for you because if the stock market keeps crashing, it might drop another 10 to 20%. So you're a hundred and thirty eight thousand three fifty. If you stay in the growth risk profile, it could go down to a 110.\n\nChannel 1: Yeah. So I\n\nChannel 0: Does\n\nChannel 1: want\n\nChannel 0: that\n\nChannel 1: to avoid\n\nChannel 0: sound\n\nChannel 1: the\n\nChannel 0: a bit\n\nChannel 1: plan.\n\nChannel 0: too high?\n\nChannel 1: So I I want to avoid that one. If I go to regular super, like host plus, that's that's safer. Yeah?\n\nChannel 0: Depends on what you pick again. Like, if you pick their high growth, it'll be really\n\nChannel 1: No.\n\nChannel 0: risky\n\nChannel 1: No. I won't\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: won't\n\nChannel 0: pick their\n\nChannel 1: be picking\n\nChannel 0: balance.\n\nChannel 1: the hydro. I won't be picking the hydro. We\n\nChannel 0: Perfect,\n\nChannel 1: just\n\nChannel 0: mate.\n\nChannel 1: the the balance one.\n\nChannel 0: Then if you go through to, let's say, AustralianSuper or Host Plus, so what we would do is we would basically just sell down everything in Hub twenty four. And then like\n\nChannel 1: Yeah.\n\nChannel 0: you said, if you try and pick a balanced one, you've got Hub offers balance, Australian Super's got balance, and host everyone's got a balance option. Do you want me to do, like, a comparison for you between the three just to show you, like, the returns, risk level, fees? Would that be helpful?\n\nChannel 1: Yeah. You can do that.\n\nChannel 0: Because, like, if, let's say, you were gonna stay with us and Hub twenty four, I would be reducing you down to a balance as well and changing a couple of the options so it's not as risky. So if you're okay with this, I wanna just do a balance versus balance versus balance, and then you can pick which one you wanna do.\n\nChannel 1: Yeah. Try it first. Inclusive of the PC.\n\nChannel 0: Yes. Everything's gonna show you the account fees, investment fees, adviser fees, insurance premiums. I'll break all of that down for you.\n\nChannel 1: Yeah. You can do that. Yep.\n\nChannel 0: Perfect. Mate, it might take me, like, a a week or two just to do the research on three different portfolios and put it in a document. Is it okay if the team calls you in about a week and a half just to book you in to go through that with me?\n\nChannel 1: Yeah. You can do that. The only issues with Hopfestival and OPU is the when is the capital gain tax when I decide to move over. Yeah? And\n\nChannel 0: Yeah. That's right. There's no\n\nChannel 1: when\n\nChannel 0: exit\n\nChannel 1: when\n\nChannel 0: fees or anything like\n\nChannel 1: when\n\nChannel 0: that.\n\nChannel 1: does the I think it's a period where I can avoid that one. When I reach a certain age, is that something that you're aware about?\n\nChannel 0: Yes. When you hit age 60 oh, sorry. When you're above 60 and when you go into retirement phase, so let's say you retire at, say, 65, when you put it into a pension account, like, Hub twenty four can move your investments inside the pension account without selling them, and then it's there's it's tax free investment, tax free gains, tax free dividends, tax free withdrawals when you wanna pull the money out. And that's pretty well the same across the board.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: There's also\n\nChannel 1: It should be\n\nChannel 0: the insurance\n\nChannel 1: mhmm.\n\nChannel 0: premiums I wanted to just quickly tell you about as well because that's obviously coming out of the super two.\n\nChannel 1: Yep.\n\nChannel 0: Do you know what your insurance policy is? Because that's that's a couple of grand of fees coming out as well.\n\nChannel 1: And what's the is the storage?\n\nChannel 0: Yes. Zurich, that's the one. That's life insurance disability, and that's that's 2,342 that comes out after you take into account 15% tax rebate. So that's having a little bit of an impact as well. That's for 350,595 worth of cover, you know, to protect, like, mortgage and income replacements and all that kind of thing.\n\nThat's gonna go up again end of this year, and that'll probably jump up another $5,600. So I wanted to let you know that should we look at changing some of it with the insurances? Do you wanna leave it as is for the year and look at it at Christmas time? What are your thoughts?\n\nChannel 1: Yeah. When when is the renewal date of that insurance?\n\nChannel 0: The renewal date is December 28, and they'll give you a notice, like, thirty days before that, November. They'll send you, like, a an up like, a renewal notice with the changes.\n\nChannel 1: I'm at in case I I moved to HousePlus, I can still use that insurance until December before I ask them to change over. Yeah? Is that what's\n\nChannel 0: Yeah.\n\nChannel 1: happening?\n\nChannel 0: So you've got couple of options. That's already paid to December. So if something happens to you, you can still claim on it. You can change the details with Zurich for the premiums for the next year to come out of host plus or Australian super, but then you might also get a little bit of automatic insurance when you open up a Host Plus account. They may give you $60,000 of life insurance or something like that.\n\nSo you just have to check that.\n\nChannel 1: Or with them. I might as well check with them what is their insurance, their default insurance, and could be cheaper. Yeah?\n\nChannel 0: Yeah. It would likely be\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: think\n\nChannel 0: little\n\nChannel 1: it's\n\nChannel 0: bit\n\nChannel 1: a\n\nChannel 0: cheaper\n\nChannel 1: little\n\nChannel 0: because\n\nChannel 1: cheap.\n\nChannel 0: it would be probably about a sixth of the amount of cover. But I think at your age, they do an age based default, and it I I would guess it's around 60,000 worth of cover, but we'll have to just double check with host plus. Don't know off the top of my head. So definitely worth checking that as well. For now, I'll just leave it as is because it's already paid.\n\nChannel 1: Yep.\n\nChannel 0: I can even do a little bit of research on the default insurances as well for you if you want and just include some information on that.\n\nChannel 1: Yep. If you can include the phone as well. Okay. And no worries. I can give you a quick I can wait, yeah, before I move before I decide to move or not.\n\nYeah.\n\nChannel 0: Yep. Yeah. That'd\n\nChannel 1: So\n\nChannel 0: be fine.\n\nChannel 1: mhmm. Yeah.\n\nChannel 0: Just\n\nChannel 1: We just\n\nChannel 0: because it is Friday, are you okay if I go through this with you possibly next Friday just to give me a bit of time to put that together?\n\nChannel 1: yeah. If you can do that in a week's time, that would be great.\n\nChannel 0: Yep. I'll escalate a little bit and see how quickly we can put it together. I normally just compare the two funds, but do you if you want me to do a little bit quicker, I don't have to compare Australian Super if you want. I can just do the Hub 24 and the host plus.\n\nChannel 1: Yeah. Yeah. I'm leaning towards host stuff anyway.\n\nChannel 0: Yep. Cool. So balanced risk, look at some default insurances, host plus, and the Hub 24. Look. I'll put together what I think the investment should be if you were to stay with hub, and then I'll just compare it with host plus.\n\nYou can make a decision, and either way, we'll kind of help you with it, especially if we need to change the insurance details and whatnot. And then let's say you go to host plus, they send a request through, we can sell everything down, and it will move across. Just letting you know as well that our fees basically have stopped now. So they kind of expired as of, I think, two weeks from now. So there'll be nothing coming out there, but I'll include it in the projection just in case you still wanna stay with us.\n\nChannel 1: What\n\nChannel 0: So\n\nChannel 1: do you mean\n\nChannel 0: you\n\nChannel 1: what do you mean that you're expired? What do you mean by that?\n\nChannel 0: so with our service with advisers, there's, like, a ongoing service agreement for the twelve months, and that was the 1.65% that Samantha was talking about, and then they split that up into monthly payments. The last one has just happened, and I think I'm looking at your account now. It says that we will no longer be, like, advisers on the account on the April 26. That's kind of when the agreement ends. So I\n\nChannel 1: It's\n\nChannel 0: think that's\n\nChannel 1: it's a monthly\n\nChannel 0: two weeks.\n\nChannel 1: the your fee is on monthly basis. Yeah?\n\nChannel 0: Yeah. That's right.\n\nChannel 1: Okay. No worries.\n\nChannel 0: But I'll include it there just so you can see it, though, even if it's going off. Like, let's say you're happy with everything. I'll still put it in there just so you can see what it is so you can make your\n\nChannel 1: Yes. So that\n\nChannel 0: decision.\n\nChannel 1: and just put you would know as well how much post purchase fee is as well, so I can compare.\n\nChannel 0: Yeah. Yep. It'll be side by side.\n\nChannel 1: Okay. No worries. No good.\n\nChannel 0: Perfect.\n\nChannel 1: Alright.\n\nChannel 0: Mate,\n\nChannel 1: Does it\n\nChannel 0: is there anything else I can add into this?\n\nChannel 1: I think it will be all.\n\nChannel 0: Perfect. Look. If you think of anything else, let us know. Just send through an email, text, or call. I'll put this together.\n\nAnd then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday?\n\nChannel 1: Possibly in the afternoon because right now, I'm today, I'm off, but next week, I'll be working. I'll\n\nChannel 0: Oh,\n\nChannel 1: finish\n\nChannel 0: yep.\n\nChannel 1: at\n\nChannel 0: Okay.\n\nChannel 1: I'll finish at three.\n\nChannel 0: Finish at three. Let me just double check your sorry. Just grabbing your account up. You're in so you don't have daylight savings anymore. Is that right?\n\nChannel 1: Yeah. Right now, it's what's the time now? This is ten 11:00.\n\nChannel 0: Yes. Same same in Queensland time as well. K. Now I will be off picking the kids up from school at 03:00 next Friday. Is it possible to do any earlier, like, around, like, lunchtime or anything,\n\nChannel 1: About\n\nChannel 0: or you'll just be busy?\n\nChannel 1: yeah. Let's do lunchtime, maybe maybe 11:11 thirty, something like that.\n\nChannel 0: Yep. I could probably do 11:30 if that's okay.\n\nChannel 1: Yeah. That'll be okay. I'll just take my lunch at 11:30.\n\nChannel 0: Perfect. 11:30AM. I just have one client before that. So I'll send you a text beforehand just to let you know, like, if I'm gonna be a couple of minutes late or something because I don't wanna waste your time. But I'll make sure\n\nChannel 1: No\n\nChannel 0: that\n\nChannel 1: worries.\n\nChannel 0: I send the document through to you as well.\n\nChannel 1: Yep. That would be great.\n\nChannel 0: Perfect. Mate, thank you so much for talking to Sam and myself. Any other questions for me before I I let you go for the weekend?\n\nChannel 1: Mhmm. I need a cell phone now.\n\nChannel 0: Perfect. Alright then, mate. You have a fantastic weekend. I'll get started on the research, and we'll talk to you next Friday.\n\nChannel 1: Alright. Talk to you soon. Bye bye.\n\nChannel 0: Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Good morning, Ben.","start":2.0,"end":2.8799999,"sentiment":"positive","sentiment_score":0.45230648914972943},{"text":"It's Tommy here, senior adviser.","start":2.8799999,"end":4.56,"sentiment":"positive","sentiment_score":0.35361613631248473},{"text":"How are you doing today?","start":4.56,"end":5.62,"sentiment":"positive","sentiment_score":0.353756046295166}],"sentiment":"positive","sentiment_score":0.37644464465288013,"channel":0,"num_words":13,"start":2.0,"end":5.62},{"sentences":[{"text":"I'm good then.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.4405840039253235},{"text":"Goodbye.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.11561674624681471},{"text":"Sorry.","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.2174083441495895},{"text":"I have issue with my phone.","start":7.3599997,"end":8.82,"sentiment":"neutral","sentiment_score":-0.2744814505179723}],"sentiment":"neutral","sentiment_score":-0.03881166265769438,"channel":1,"num_words":11,"start":5.92,"end":8.82},{"sentences":[{"text":"Yeah.","start":9.679999,"end":9.92,"sentiment":"neutral","sentiment_score":-0.013593386858701706},{"text":"No.","start":9.92,"end":10.16,"sentiment":"neutral","sentiment_score":0.0740216076374054},{"text":"That's no worries at all.","start":10.16,"end":11.12,"sentiment":"neutral","sentiment_score":0.15667755007743836},{"text":"Thank you for calling back in, mate.","start":11.12,"end":12.559999,"sentiment":"positive","sentiment_score":0.5252532022339957},{"text":"Bit of phone tag and text messages, but we we finally have each other.","start":12.559999,"end":16.105,"sentiment":"neutral","sentiment_score":0.3073163351842335}],"sentiment":"neutral","sentiment_score":0.31510775283511194,"channel":0,"num_words":28,"start":9.679999,"end":16.105},{"sentences":[{"text":"Thank you so much.","start":16.105,"end":17.085,"sentiment":"positive","sentiment_score":0.7371377050876617}],"sentiment":"positive","sentiment_score":0.7371377050876617,"channel":0,"num_words":4,"start":16.105,"end":17.085},{"sentences":[{"text":"All good, mate.","start":17.305,"end":18.365,"sentiment":"positive","sentiment_score":0.6856778065363566}],"sentiment":"positive","sentiment_score":0.6856778065363566,"channel":1,"num_words":3,"start":17.305,"end":18.365},{"sentences":[{"text":"Awesome.","start":18.985,"end":19.465,"sentiment":"positive","sentiment_score":0.6463212966918945},{"text":"So, mate, I've gone through a few details this morning, and thank you again for speaking to Sam yesterday.","start":19.465,"end":25.085,"sentiment":"positive","sentiment_score":0.4067480689600894},{"text":"I've gotten","start":25.625,"end":26.345,"sentiment":"neutral","sentiment_score":0.14395156502723694}],"sentiment":"positive","sentiment_score":0.393747169863094,"channel":0,"num_words":22,"start":18.985,"end":26.345},{"sentences":[{"text":"Mhmm.","start":25.945,"end":26.445,"sentiment":"neutral","sentiment_score":0.12109284102916718}],"sentiment":"neutral","sentiment_score":0.12109284102916718,"channel":1,"num_words":1,"start":25.945,"end":26.445},{"sentences":[{"text":"some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing.","start":26.345,"end":39.92,"sentiment":"neutral","sentiment_score":0.15660329614624832},{"text":"So if you still","start":39.92,"end":40.48,"sentiment":"neutral","sentiment_score":0.0776800699532032}],"sentiment":"neutral","sentiment_score":0.14807105547672994,"channel":0,"num_words":37,"start":26.345,"end":40.48},{"sentences":[{"text":"Yep.","start":40.435,"end":40.935,"sentiment":"neutral","sentiment_score":0.1002897173166275}],"sentiment":"neutral","sentiment_score":0.1002897173166275,"channel":1,"num_words":1,"start":40.435,"end":40.935},{"sentences":[{"text":"have a few minutes for me, I'd like to go through that with you.","start":40.48,"end":43.065,"sentiment":"neutral","sentiment_score":0.13627574752484048}],"sentiment":"neutral","sentiment_score":0.13627574752484048,"channel":0,"num_words":14,"start":40.48,"end":43.065},{"sentences":[{"text":"Yep.","start":43.395,"end":43.895,"sentiment":"neutral","sentiment_score":0.17925959825515747}],"sentiment":"neutral","sentiment_score":0.17925959825515747,"channel":1,"num_words":1,"start":43.395,"end":43.895},{"sentences":[{"text":"Perfect.","start":44.824997,"end":45.324997,"sentiment":"positive","sentiment_score":0.43830567598342896},{"text":"Mate, just out of curiosity, so with the Australian super there, you were looking to roll over into that fund.","start":45.465,"end":52.425,"sentiment":"neutral","sentiment_score":0.08489918261766434},{"text":"Is that right?","start":52.425,"end":53.324997,"sentiment":"neutral","sentiment_score":0.07615448782841365}],"sentiment":"neutral","sentiment_score":0.09853136632591486,"channel":0,"num_words":24,"start":44.824997,"end":53.324997},{"sentences":[{"text":"I have two options.","start":54.21,"end":55.25,"sentiment":"neutral","sentiment_score":0.019433225970715284},{"text":"Either host plus or a silent super.","start":55.25,"end":57.829998,"sentiment":"neutral","sentiment_score":0.023094612040690014}],"sentiment":"neutral","sentiment_score":0.021763198924335567,"channel":1,"num_words":11,"start":54.21,"end":57.829998},{"sentences":[{"text":"Okay.","start":58.600002,"end":58.920002,"sentiment":"neutral","sentiment_score":0.03209877014160156},{"text":"Yeah.","start":58.920002,"end":59.160004,"sentiment":"neutral","sentiment_score":0.02455708011984825},{"text":"And have you are you kind of leaning between one of them?","start":59.160004,"end":62.140003,"sentiment":"neutral","sentiment_score":0.012230667751282454}],"sentiment":"neutral","sentiment_score":0.014530275948345661,"channel":0,"num_words":14,"start":58.600002,"end":62.140003},{"sentences":[{"text":"I think I'll I'll go to host plus.","start":62.769997,"end":64.79,"sentiment":"neutral","sentiment_score":0.027504617115482688}],"sentiment":"neutral","sentiment_score":0.027504617115482688,"channel":1,"num_words":8,"start":62.769997,"end":64.79},{"sentences":[{"text":"Okay.","start":65.56,"end":65.96,"sentiment":"neutral","sentiment_score":0.04337579384446144},{"text":"And what made you pick Hostplus over Australian Super, if you don't mind me asking?","start":65.96,"end":70.14,"sentiment":"neutral","sentiment_score":0.05207681767642498}],"sentiment":"neutral","sentiment_score":0.05153300368692726,"channel":0,"num_words":16,"start":65.56,"end":70.14},{"sentences":[{"text":"I think they have the best record, I think, for returns.","start":70.424995,"end":79.6,"sentiment":"neutral","sentiment_score":0.163526021621444}],"sentiment":"neutral","sentiment_score":0.163526021621444,"channel":1,"num_words":11,"start":70.424995,"end":79.6},{"sentences":[{"text":"For returns.","start":80.475,"end":81.275,"sentiment":"neutral","sentiment_score":0.04448114242404699},{"text":"Yeah.","start":81.275,"end":81.595,"sentiment":"neutral","sentiment_score":0.04772200062870979},{"text":"So if you don't mind, I'm just","start":81.595,"end":83.72,"sentiment":"neutral","sentiment_score":0.021748600527644157}],"sentiment":"neutral","sentiment_score":0.02889244891703129,"channel":0,"num_words":10,"start":80.475,"end":83.72},{"sentences":[{"text":"Yeah.","start":83.659996,"end":84.159996,"sentiment":"neutral","sentiment_score":0.026320043951272964}],"sentiment":"neutral","sentiment_score":0.026320043951272964,"channel":1,"num_words":1,"start":83.659996,"end":84.159996},{"sentences":[{"text":"gonna quickly bring up their figures because I was looking at Australian Super this morning.","start":83.72,"end":87.74,"sentiment":"neutral","sentiment_score":0.04650854306916396},{"text":"I","start":87.96,"end":88.12,"sentiment":"neutral","sentiment_score":0.03942222148180008}],"sentiment":"neutral","sentiment_score":0.046065647969953716,"channel":0,"num_words":16,"start":83.72,"end":88.12},{"sentences":[{"text":"Yep.","start":87.979996,"end":88.479996,"sentiment":"neutral","sentiment_score":0.04317552596330643}],"sentiment":"neutral","sentiment_score":0.04317552596330643,"channel":1,"num_words":1,"start":87.979996,"end":88.479996},{"sentences":[{"text":"was looking at Hostplus a month ago, but I just wanna get their updated figures if that's alright.","start":88.12,"end":92.3,"sentiment":"neutral","sentiment_score":0.059832796143988766}],"sentiment":"neutral","sentiment_score":0.059832796143988766,"channel":0,"num_words":18,"start":88.12,"end":92.3},{"sentences":[{"text":"Okay.","start":92.745,"end":93.245,"sentiment":"neutral","sentiment_score":0.04634316265583038}],"sentiment":"neutral","sentiment_score":0.04634316265583038,"channel":1,"num_words":1,"start":92.745,"end":93.245},{"sentences":[{"text":"Just bear with me for two seconds.","start":94.04,"end":96.12,"sentiment":"neutral","sentiment_score":0.01769584896309035},{"text":"Here it is.","start":96.12,"end":97.020004,"sentiment":"neutral","sentiment_score":0.028619841982920963},{"text":"So I was looking at your your hub 24.","start":98.045006,"end":100.525,"sentiment":"neutral","sentiment_score":0.02806935480071439},{"text":"So just for a bit of context, you're in a growth portfolio.","start":100.525,"end":104.225006,"sentiment":"neutral","sentiment_score":0.03872345263759295},{"text":"Right?","start":104.525,"end":104.925,"sentiment":"neutral","sentiment_score":0.04394654184579849}],"sentiment":"neutral","sentiment_score":0.030343207356054336,"channel":0,"num_words":32,"start":94.04,"end":104.925},{"sentences":[{"text":"So","start":104.925,"end":105.425,"sentiment":"neutral","sentiment_score":0.05223275348544121}],"sentiment":"neutral","sentiment_score":0.05223275348544121,"channel":0,"num_words":1,"start":104.925,"end":105.425},{"sentences":[{"text":"Yes.","start":105.385,"end":105.885,"sentiment":"neutral","sentiment_score":0.07129669189453125}],"sentiment":"neutral","sentiment_score":0.07129669189453125,"channel":1,"num_words":1,"start":105.385,"end":105.885},{"sentences":[{"text":"I would call that, like, a four out of five on a risk scale.","start":105.565,"end":109.345,"sentiment":"neutral","sentiment_score":0.05985745042562485},{"text":"Australian Super does have, like, a balanced and a high growth, so a three or a high risk.","start":110.62,"end":117.26,"sentiment":"neutral","sentiment_score":0.04510032385587692},{"text":"They don't have a growth fund.","start":117.26,"end":118.880005,"sentiment":"neutral","sentiment_score":-0.12754096960028014}],"sentiment":"neutral","sentiment_score":0.02327800836218031,"channel":0,"num_words":38,"start":105.565,"end":118.880005},{"sentences":[{"text":"Yep.","start":119.479996,"end":119.979996,"sentiment":"neutral","sentiment_score":0.1620241552591324}],"sentiment":"neutral","sentiment_score":0.1620241552591324,"channel":1,"num_words":1,"start":119.479996,"end":119.979996},{"sentences":[{"text":"Their returns yeah.","start":121.18,"end":122.22,"sentiment":"neutral","sentiment_score":0.23601795732975006},{"text":"Australian Super's little bit average, nine to 10%, seven or 8% over ten years.","start":122.22,"end":128.595,"sentiment":"neutral","sentiment_score":0.27677349746227264},{"text":"Not too bad.","start":128.595,"end":129.315,"sentiment":"neutral","sentiment_score":0.3026706477006276},{"text":"I'd really like their insurances, though.","start":129.315,"end":131.735,"sentiment":"positive","sentiment_score":0.45919640858968097},{"text":"Australian Super have really good default insurances.","start":132.27501,"end":134.455,"sentiment":"positive","sentiment_score":0.6298113805907113}],"sentiment":"positive","sentiment_score":0.38347736046169745,"channel":0,"num_words":33,"start":121.18,"end":134.455},{"sentences":[{"text":"Yep.","start":135.40001,"end":135.90001,"sentiment":"neutral","sentiment_score":0.3221106231212616}],"sentiment":"neutral","sentiment_score":0.3221106231212616,"channel":1,"num_words":1,"start":135.40001,"end":135.90001},{"sentences":[{"text":"The growth funds for host plus as of February, that's looking a lot better.","start":137.59999,"end":143.86,"sentiment":"neutral","sentiment_score":0.26762083385671886},{"text":"Ten years, 10%, that's pretty much it.","start":145.28,"end":148.16,"sentiment":"neutral","sentiment_score":0.12139566562005452},{"text":"So when you're looking at a similar risk level, you kind of wanna be hitting nine or 10% on average, if that makes sense.","start":148.16,"end":155.635,"sentiment":"neutral","sentiment_score":0.05663626299550136}],"sentiment":"neutral","sentiment_score":0.13234959211614397,"channel":0,"num_words":45,"start":137.59999,"end":155.635},{"sentences":[{"text":"Mhmm.","start":156.155,"end":156.655,"sentiment":"neutral","sentiment_score":0.040083788335323334}],"sentiment":"neutral","sentiment_score":0.040083788335323334,"channel":1,"num_words":1,"start":156.155,"end":156.655},{"sentences":[{"text":"Your Hub twenty four, I was just looking at it today.","start":157.535,"end":160.275,"sentiment":"neutral","sentiment_score":0.07134065743197095},{"text":"It's just clear to just under 12% net of fees after all the fees and everything like that.","start":160.335,"end":166.40001,"sentiment":"neutral","sentiment_score":0.08389878645539284},{"text":"So that's where Samantha quoted that $33,000 gain to you yesterday.","start":166.40001,"end":171.22,"sentiment":"neutral","sentiment_score":0.08706959066065875}],"sentiment":"neutral","sentiment_score":0.08131727213039994,"channel":0,"num_words":40,"start":157.535,"end":171.22},{"sentences":[{"text":"Is that is is that from the start of inception to Hub twenty four?","start":173.975,"end":178.955,"sentiment":"neutral","sentiment_score":0.02903403534686991}],"sentiment":"neutral","sentiment_score":0.02903403534686991,"channel":1,"num_words":14,"start":173.975,"end":178.955},{"sentences":[{"text":"No.","start":179.295,"end":179.695,"sentiment":"neutral","sentiment_score":-0.060016781091690063},{"text":"That was just a twelve month because I was just looking at, like, a bit of a an annual review, like, year versus year, if that makes sense.","start":179.695,"end":186.035,"sentiment":"neutral","sentiment_score":-0.043372992027018754}],"sentiment":"neutral","sentiment_score":-0.04394691578786949,"channel":0,"num_words":29,"start":179.295,"end":186.035},{"sentences":[{"text":"Were you able to check where did I start with hub twenty four?","start":187.72,"end":193.5,"sentiment":"neutral","sentiment_score":0.0009520980887688124}],"sentiment":"neutral","sentiment_score":0.0009520980887688124,"channel":1,"num_words":13,"start":187.72,"end":193.5},{"sentences":[{"text":"Let's have a look.","start":194.43001,"end":196.13,"sentiment":"neutral","sentiment_score":0.009769941447302699},{"text":"So you first rolled in the 2022, so we'll call it sort of maybe three and a half years.","start":196.75,"end":205.23499,"sentiment":"neutral","sentiment_score":0.013436710510991122},{"text":"Yeah.","start":207.855,"end":208.355,"sentiment":"neutral","sentiment_score":0.025830557569861412},{"text":"It's currently sitting up, I think, about 41% over that period","start":208.81499,"end":213.95499,"sentiment":"neutral","sentiment_score":0.0323245513506911}],"sentiment":"neutral","sentiment_score":0.019307939655014445,"channel":0,"num_words":35,"start":194.43001,"end":213.95499},{"sentences":[{"text":"From the start.","start":215.62001,"end":216.52,"sentiment":"neutral","sentiment_score":0.00802941775570313}],"sentiment":"neutral","sentiment_score":0.00802941775570313,"channel":1,"num_words":3,"start":215.62001,"end":216.52},{"sentences":[{"text":"from the start.","start":216.99,"end":217.95001,"sentiment":"neutral","sentiment_score":0.0062712691724300385},{"text":"Yeah.","start":217.95001,"end":218.45001,"sentiment":"neutral","sentiment_score":0.02360442653298378}],"sentiment":"neutral","sentiment_score":0.010604558512568474,"channel":0,"num_words":4,"start":216.99,"end":218.45001},{"sentences":[{"text":"Over three and a half years.","start":220.26001,"end":223.64,"sentiment":"neutral","sentiment_score":0.019794229418039322}],"sentiment":"neutral","sentiment_score":0.019794229418039322,"channel":1,"num_words":6,"start":220.26001,"end":223.64},{"sentences":[{"text":"Yeah.","start":223.95001,"end":224.27,"sentiment":"neutral","sentiment_score":0.061664316803216934},{"text":"That's right.","start":224.27,"end":224.75,"sentiment":"neutral","sentiment_score":0.10390398278832436},{"text":"So if we go 41, 3.5, so it's 11.7% net return per year in three and a half years","start":224.75,"end":233.765,"sentiment":"neutral","sentiment_score":0.08347360201572117}],"sentiment":"neutral","sentiment_score":0.08433957821266218,"channel":0,"num_words":22,"start":223.95001,"end":233.765},{"sentences":[{"text":"That is the exclusive of fees.","start":235.505,"end":238.88501,"sentiment":"neutral","sentiment_score":0.04689228472610315}],"sentiment":"neutral","sentiment_score":0.04689228472610315,"channel":1,"num_words":6,"start":235.505,"end":238.88501},{"sentences":[{"text":"inclusive of fees.","start":239.905,"end":240.945,"sentiment":"neutral","sentiment_score":0.05508897205193838},{"text":"So I always go through, like, a net return.","start":240.945,"end":243.445,"sentiment":"neutral","sentiment_score":0.12068585968679851},{"text":"So that's including, like, contributions going in, fees, taxes, premiums going out, and then the net return of the investments.","start":243.54,"end":251.95999,"sentiment":"neutral","sentiment_score":0.06863299617543817}],"sentiment":"neutral","sentiment_score":0.08200311177643016,"channel":0,"num_words":32,"start":239.905,"end":251.95999},{"sentences":[{"text":"Mhmm.","start":255.36499,"end":255.605,"sentiment":"neutral","sentiment_score":-0.03805067390203476},{"text":"The thing is for the past six months, I got stuck with that amount.","start":255.605,"end":259.225,"sentiment":"neutral","sentiment_score":-0.15550298456634795}],"sentiment":"neutral","sentiment_score":-0.1476728305220604,"channel":1,"num_words":15,"start":255.36499,"end":259.225},{"sentences":[{"text":"Oh, just with the yeah.","start":261.315,"end":262.91498,"sentiment":"neutral","sentiment_score":-0.01243925653398037},{"text":"I get you.","start":262.91498,"end":263.63498,"sentiment":"neutral","sentiment_score":0.004411546202997367},{"text":"This market going down, and it's kind of just been hovering at that $1.36 to 140,000.","start":263.63498,"end":269.495,"sentiment":"neutral","sentiment_score":-0.3073028838261962}],"sentiment":"neutral","sentiment_score":-0.20690865772000203,"channel":0,"num_words":24,"start":261.315,"end":269.495},{"sentences":[{"text":"Yeah.","start":270.38,"end":270.69998,"sentiment":"neutral","sentiment_score":-0.1647469401359558},{"text":"And since my my super contribution is doing nothing.","start":270.69998,"end":275.75998,"sentiment":"neutral","sentiment_score":-0.13663790292210048}],"sentiment":"neutral","sentiment_score":-0.13944880664348602,"channel":1,"num_words":10,"start":270.38,"end":275.75998},{"sentences":[{"text":"Yeah.","start":277.14,"end":277.38,"sentiment":"neutral","sentiment_score":-0.13521990180015564},{"text":"At the moment, mate, the the stock market just keeps going down this year, especially with what happened in Iran.","start":277.38,"end":283.985,"sentiment":"negative","sentiment_score":-0.4437492161989212},{"text":"Basically, every market's just been going down.","start":283.985,"end":286.945,"sentiment":"negative","sentiment_score":-0.3368148250239236},{"text":"The only thing that didn't go down as much was, like, gold.","start":286.945,"end":290.705,"sentiment":"neutral","sentiment_score":-0.21425025910139084},{"text":"It went down a little bit, but up for the year, I think your gold's still up 31%.","start":290.705,"end":296.32498,"sentiment":"neutral","sentiment_score":-0.0158274844288826}],"sentiment":"neutral","sentiment_score":-0.24523803154970036,"channel":0,"num_words":58,"start":277.14,"end":296.32498},{"sentences":[{"text":"Your agriculture shares are up 45%.","start":297.0,"end":299.82,"sentiment":"neutral","sentiment_score":0.0762943687538306},{"text":"Infrastructure's in there as well.","start":300.52002,"end":302.04,"sentiment":"neutral","sentiment_score":0.03440486863255501},{"text":"That's up 25.","start":302.04,"end":303.42,"sentiment":"neutral","sentiment_score":0.09845562279224396},{"text":"American shares up nine and a half.","start":304.28,"end":306.7,"sentiment":"neutral","sentiment_score":0.03647310047277382},{"text":"The only one that's been down in your portfolio so far is a little bit of your Australian shares that went down about 11%.","start":307.72,"end":313.625,"sentiment":"neutral","sentiment_score":-0.24443310437103113}],"sentiment":"neutral","sentiment_score":-0.10413167505628533,"channel":0,"num_words":45,"start":297.0,"end":313.625},{"sentences":[{"text":"So everything else has been shooting up quite fast.","start":313.76498,"end":316.82498,"sentiment":"neutral","sentiment_score":-0.25721736749013263}],"sentiment":"neutral","sentiment_score":-0.25721736749013263,"channel":0,"num_words":9,"start":313.76498,"end":316.82498},{"sentences":[{"text":"Yeah.","start":320.325,"end":320.76,"sentiment":"neutral","sentiment_score":-0.22587129473686215},{"text":"Because I think this is a bit risky.","start":321.96002,"end":323.98,"sentiment":"negative","sentiment_score":-0.47250228002667427},{"text":"Whereas if I go to host plus, I think I minimize the risk.","start":324.36002,"end":329.56,"sentiment":"neutral","sentiment_score":-0.2539475445563977},{"text":"Yeah?","start":329.56,"end":330.06,"sentiment":"neutral","sentiment_score":-0.1625744104385376}],"sentiment":"neutral","sentiment_score":-0.32477313150530274,"channel":1,"num_words":23,"start":320.325,"end":330.06},{"sentences":[{"text":"Gotcha.","start":331.22,"end":331.7,"sentiment":"neutral","sentiment_score":-0.15572625398635864},{"text":"Gotcha.","start":331.7,"end":332.1,"sentiment":"neutral","sentiment_score":-0.10048674046993256},{"text":"I mean, if you it depends on what investment you pick.","start":332.1,"end":334.98,"sentiment":"neutral","sentiment_score":-0.07937516949393532},{"text":"So if you moved across into their growth fund or high growth fund, you would still be experiencing going up and down.","start":334.98,"end":340.705,"sentiment":"neutral","sentiment_score":-0.11853539672764865},{"text":"You can still have a bit of control over the risk, whichever super fund that you use.","start":341.805,"end":346.78497,"sentiment":"neutral","sentiment_score":-0.11380727808265124}],"sentiment":"neutral","sentiment_score":-0.10907389065967156,"channel":0,"num_words":52,"start":331.22,"end":346.78497},{"sentences":[{"text":"You're actually getting pretty close to your, like, your preservation age to access super.","start":347.085,"end":352.525,"sentiment":"neutral","sentiment_score":-0.1393942359302725},{"text":"Like, you're getting really close to retirement, so you have to be careful with risk.","start":352.525,"end":356.68,"sentiment":"neutral","sentiment_score":-0.2636855830748876}],"sentiment":"neutral","sentiment_score":-0.2036828637636941,"channel":0,"num_words":29,"start":347.085,"end":356.68},{"sentences":[{"text":"Yeah.","start":358.52,"end":358.84,"sentiment":"neutral","sentiment_score":-0.07083173096179962},{"text":"That's why I want to I want to minimize less less on the risk now.","start":358.84,"end":363.26,"sentiment":"neutral","sentiment_score":-0.05397060364484787}],"sentiment":"neutral","sentiment_score":-0.055024424102157354,"channel":1,"num_words":16,"start":358.52,"end":363.26},{"sentences":[{"text":"Less risk.","start":363.62,"end":364.41998,"sentiment":"neutral","sentiment_score":-0.10640032775700092}],"sentiment":"neutral","sentiment_score":-0.10640032775700092,"channel":0,"num_words":2,"start":363.62,"end":364.41998},{"sentences":[{"text":"Apply.","start":364.28,"end":364.78,"sentiment":"neutral","sentiment_score":-0.04437928274273872}],"sentiment":"neutral","sentiment_score":-0.04437928274273872,"channel":1,"num_words":1,"start":364.28,"end":364.78},{"sentences":[{"text":"Yeah.","start":364.41998,"end":364.66,"sentiment":"neutral","sentiment_score":0.013589713722467422},{"text":"Yeah.","start":364.66,"end":365.16,"sentiment":"neutral","sentiment_score":0.03362775593996048}],"sentiment":"neutral","sentiment_score":0.02360873483121395,"channel":0,"num_words":2,"start":364.41998,"end":365.16},{"sentences":[{"text":"Yeah.","start":366.045,"end":366.545,"sentiment":"neutral","sentiment_score":0.04914877563714981}],"sentiment":"neutral","sentiment_score":0.04914877563714981,"channel":1,"num_words":1,"start":366.045,"end":366.545},{"sentences":[{"text":"So let me just quickly ask you, whichever sort of fund you use, if you're gonna hit your preservation age in a few years when you can start accessing super, are you still looking to retire at, say, 65, 67?","start":366.25998,"end":380.335,"sentiment":"neutral","sentiment_score":0.034833696717396376},{"text":"What are you thinking for time frame?","start":380.335,"end":382.035,"sentiment":"neutral","sentiment_score":-0.008492363882916314}],"sentiment":"neutral","sentiment_score":0.028380879181179593,"channel":0,"num_words":47,"start":366.25998,"end":382.035},{"sentences":[{"text":"I want to be do it early.","start":383.37003,"end":385.15002,"sentiment":"neutral","sentiment_score":-0.015384708132062639},{"text":"The earliest I can, the better.","start":385.29,"end":387.87003,"sentiment":"neutral","sentiment_score":-0.011170209695895513},{"text":"But if I can't,","start":388.01,"end":389.07,"sentiment":"neutral","sentiment_score":-0.13207711465656757}],"sentiment":"neutral","sentiment_score":-0.04135427492506364,"channel":1,"num_words":17,"start":383.37003,"end":389.07},{"sentences":[{"text":"Mhmm.","start":388.59,"end":389.09,"sentiment":"neutral","sentiment_score":-0.07235276699066162}],"sentiment":"neutral","sentiment_score":-0.07235276699066162,"channel":0,"num_words":1,"start":388.59,"end":389.09},{"sentences":[{"text":"so so I go for 65 to seven.","start":389.21002,"end":391.79,"sentiment":"neutral","sentiment_score":-0.01710910233668983}],"sentiment":"neutral","sentiment_score":-0.01710910233668983,"channel":1,"num_words":8,"start":389.21002,"end":391.79},{"sentences":[{"text":"Yeah.","start":392.35,"end":392.59,"sentiment":"neutral","sentiment_score":0.017671221867203712},{"text":"Yeah.","start":392.59,"end":392.83002,"sentiment":"neutral","sentiment_score":-0.02280855178833008},{"text":"So it's kind of you're in that weird balancing act where you're trying to grow it.","start":392.83002,"end":396.285,"sentiment":"neutral","sentiment_score":0.028258113812626107},{"text":"So you've got enough to retire on, but you don't wanna lose it all right now with the stock market crashing, and then you","start":396.285,"end":402.685,"sentiment":"neutral","sentiment_score":-0.20759298916285238}],"sentiment":"neutral","sentiment_score":-0.1079818868768468,"channel":0,"num_words":42,"start":392.35,"end":402.685},{"sentences":[{"text":"Yeah.","start":402.465,"end":402.965,"sentiment":"neutral","sentiment_score":-0.23287147283554077}],"sentiment":"neutral","sentiment_score":-0.23287147283554077,"channel":1,"num_words":1,"start":402.465,"end":402.965},{"sentences":[{"text":"don't have enough.","start":402.685,"end":403.48502,"sentiment":"negative","sentiment_score":-0.36853357156117755},{"text":"Do you know what I mean?","start":403.48502,"end":404.545,"sentiment":"neutral","sentiment_score":-0.12306329607963562}],"sentiment":"neutral","sentiment_score":-0.20488672124014962,"channel":0,"num_words":9,"start":402.685,"end":404.545},{"sentences":[{"text":"Yeah.","start":404.785,"end":405.285,"sentiment":"neutral","sentiment_score":-0.0037574730813503265}],"sentiment":"neutral","sentiment_score":-0.0037574730813503265,"channel":1,"num_words":1,"start":404.785,"end":405.285},{"sentences":[{"text":"So let me quickly check a couple of things with you because you know how I said you're in a growth four out of five?","start":405.805,"end":411.185,"sentiment":"neutral","sentiment_score":0.04339802160859108}],"sentiment":"neutral","sentiment_score":0.04339802160859108,"channel":0,"num_words":25,"start":405.805,"end":411.185},{"sentences":[{"text":"Yeah.","start":411.745,"end":412.245,"sentiment":"neutral","sentiment_score":0.1022375077009201}],"sentiment":"neutral","sentiment_score":0.1022375077009201,"channel":1,"num_words":1,"start":411.745,"end":412.245},{"sentences":[{"text":"You generally wanna be in that profile if you're gonna invest for at least eight or nine years.","start":413.19,"end":419.53,"sentiment":"neutral","sentiment_score":0.07289879789782895},{"text":"And once you're less than eight or nine years, you have to start reducing your risk level.","start":420.06998,"end":424.365,"sentiment":"neutral","sentiment_score":-0.03161007626091733},{"text":"So balanced is three out of five.","start":425.32498,"end":427.345,"sentiment":"neutral","sentiment_score":0.17312498071363994},{"text":"That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years.","start":427.565,"end":433.88498,"sentiment":"neutral","sentiment_score":0.06897992882877588},{"text":"Does that make sense?","start":433.88498,"end":434.94498,"sentiment":"neutral","sentiment_score":0.10412771068513393}],"sentiment":"neutral","sentiment_score":0.057315020455103935,"channel":0,"num_words":66,"start":413.19,"end":434.94498},{"sentences":[{"text":"So what I'm saying there is because you know how I said you've got this gold and these shares and these properties?","start":436.54,"end":441.2,"sentiment":"neutral","sentiment_score":0.035721350884573025},{"text":"Your growth fund has 80% of your money in the high risk investments, the shares property gold, the ones that go up and down really high.","start":442.54,"end":451.12,"sentiment":"neutral","sentiment_score":-0.046898806610932715},{"text":"When you're in a balanced fund, you really want more like 65, 70%.","start":451.645,"end":456.145,"sentiment":"neutral","sentiment_score":0.052450140221760824},{"text":"So that will make it less less up and down if that makes sense.","start":456.685,"end":460.705,"sentiment":"neutral","sentiment_score":-0.04182845912873745}],"sentiment":"neutral","sentiment_score":-0.004496611431241035,"channel":0,"num_words":75,"start":436.54,"end":460.705},{"sentences":[{"text":"Mhmm.","start":461.145,"end":461.645,"sentiment":"neutral","sentiment_score":-0.060138389468193054}],"sentiment":"neutral","sentiment_score":-0.060138389468193054,"channel":1,"num_words":1,"start":461.145,"end":461.645},{"sentences":[{"text":"So one of the questions I've sort of got, if you're still trying to grow it, then you can't go too low in the risk 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it","start":1011.425,"end":1011.665,"sentiment":"neutral","sentiment_score":0.1059596911072731}],"sentiment":"neutral","sentiment_score":0.1059596911072731,"channel":1,"num_words":2,"start":1011.425,"end":1011.665},{"sentences":[{"text":"is there anything else I can add into this?","start":1011.64,"end":1014.06,"sentiment":"neutral","sentiment_score":0.13350708617104423}],"sentiment":"neutral","sentiment_score":0.13350708617104423,"channel":0,"num_words":9,"start":1011.64,"end":1014.06},{"sentences":[{"text":"I think it will be all.","start":1016.145,"end":1017.685,"sentiment":"neutral","sentiment_score":0.21084623535474142}],"sentiment":"neutral","sentiment_score":0.21084623535474142,"channel":1,"num_words":6,"start":1016.145,"end":1017.685},{"sentences":[{"text":"Perfect.","start":1018.76,"end":1019.16003,"sentiment":"positive","sentiment_score":0.5979055762290955},{"text":"Look.","start":1019.16003,"end":1019.32,"sentiment":"neutral","sentiment_score":0.2833111584186554},{"text":"If you think of anything else, let us know.","start":1019.32,"end":1021.24,"sentiment":"neutral","sentiment_score":0.17255192167229122},{"text":"Just send through an email, text, or call.","start":1021.24,"end":1023.5,"sentiment":"neutral","sentiment_score":0.16147669591009617},{"text":"I'll put this together.","start":1023.615,"end":1024.755,"sentiment":"neutral","sentiment_score":0.23131299018859863}],"sentiment":"neutral","sentiment_score":0.2022282416405885,"channel":0,"num_words":23,"start":1018.76,"end":1024.755},{"sentences":[{"text":"And then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday?","start":1025.775,"end":1035.5549,"sentiment":"neutral","sentiment_score":0.04504650617363276}],"sentiment":"neutral","sentiment_score":0.04504650617363276,"channel":0,"num_words":27,"start":1025.775,"end":1035.5549},{"sentences":[{"text":"Possibly in the afternoon because right now, I'm today, I'm off, but next week, I'll be working.","start":1037.145,"end":1043.085,"sentiment":"neutral","sentiment_score":-0.0015860562048414175},{"text":"I'll","start":1043.7051,"end":1043.865,"sentiment":"neutral","sentiment_score":0.019534680992364883}],"sentiment":"neutral","sentiment_score":-0.000412681916107734,"channel":1,"num_words":18,"start":1037.145,"end":1043.865},{"sentences":[{"text":"Oh,","start":1043.81,"end":1044.13,"sentiment":"neutral","sentiment_score":0.03406400978565216}],"sentiment":"neutral","sentiment_score":0.03406400978565216,"channel":0,"num_words":1,"start":1043.81,"end":1044.13},{"sentences":[{"text":"finish","start":1043.865,"end":1044.185,"sentiment":"neutral","sentiment_score":0.019765889272093773}],"sentiment":"neutral","sentiment_score":0.019765889272093773,"channel":1,"num_words":1,"start":1043.865,"end":1044.185},{"sentences":[{"text":"yep.","start":1044.13,"end":1044.4501,"sentiment":"neutral","sentiment_score":0.01896587572991848}],"sentiment":"neutral","sentiment_score":0.01896587572991848,"channel":0,"num_words":1,"start":1044.13,"end":1044.4501},{"sentences":[{"text":"at","start":1044.185,"end":1044.685,"sentiment":"neutral","sentiment_score":0.009856444783508778}],"sentiment":"neutral","sentiment_score":0.009856444783508778,"channel":1,"num_words":1,"start":1044.185,"end":1044.685},{"sentences":[{"text":"Okay.","start":1044.4501,"end":1044.9501,"sentiment":"neutral","sentiment_score":0.02682032994925976}],"sentiment":"neutral","sentiment_score":0.02682032994925976,"channel":0,"num_words":1,"start":1044.4501,"end":1044.9501},{"sentences":[{"text":"I'll finish at three.","start":1045.305,"end":1046.525,"sentiment":"neutral","sentiment_score":0.022143699694424868}],"sentiment":"neutral","sentiment_score":0.022143699694424868,"channel":1,"num_words":4,"start":1045.305,"end":1046.525},{"sentences":[{"text":"Finish at three.","start":1047.7301,"end":1049.03,"sentiment":"neutral","sentiment_score":0.017776087547341984},{"text":"Let me just double check your sorry.","start":1049.25,"end":1053.225,"sentiment":"neutral","sentiment_score":-0.0192390467439379},{"text":"Just grabbing your account up.","start":1053.225,"end":1055.9651,"sentiment":"neutral","sentiment_score":-0.04861002936959267},{"text":"You're in so you don't have daylight savings anymore.","start":1057.4651,"end":1060.185,"sentiment":"neutral","sentiment_score":-0.07441280119948918},{"text":"Is that right?","start":1060.185,"end":1060.925,"sentiment":"neutral","sentiment_score":0.00043312367051839823}],"sentiment":"neutral","sentiment_score":-0.03677077967397593,"channel":0,"num_words":27,"start":1047.7301,"end":1060.925},{"sentences":[{"text":"Yeah.","start":1062.1849,"end":1062.6849,"sentiment":"neutral","sentiment_score":0.0033095404505729675},{"text":"Right now, it's what's the time now?","start":1062.745,"end":1064.585,"sentiment":"neutral","sentiment_score":0.0006687134238226074},{"text":"This is ten 11:00.","start":1064.585,"end":1066.925,"sentiment":"neutral","sentiment_score":0.008368152193725109}],"sentiment":"neutral","sentiment_score":0.0034552619326859713,"channel":1,"num_words":12,"start":1062.1849,"end":1066.925},{"sentences":[{"text":"Yes.","start":1067.56,"end":1068.04,"sentiment":"neutral","sentiment_score":0.04262681305408478},{"text":"Same same in Queensland time as well.","start":1068.04,"end":1070.38,"sentiment":"neutral","sentiment_score":0.03709507254617555},{"text":"K.","start":1073.24,"end":1073.74,"sentiment":"neutral","sentiment_score":0.012143408879637718},{"text":"Now I will be off picking the kids up from school at 03:00 next Friday.","start":1073.8,"end":1078.035,"sentiment":"neutral","sentiment_score":0.018825288489460947},{"text":"Is it possible to do any earlier, like, around, like, lunchtime or anything,","start":1078.035,"end":1082.035,"sentiment":"neutral","sentiment_score":0.0186664116783784}],"sentiment":"neutral","sentiment_score":0.022688605646426614,"channel":0,"num_words":37,"start":1067.56,"end":1082.035},{"sentences":[{"text":"About","start":1081.97,"end":1082.47,"sentiment":"neutral","sentiment_score":-0.01414298452436924}],"sentiment":"neutral","sentiment_score":-0.01414298452436924,"channel":1,"num_words":1,"start":1081.97,"end":1082.47},{"sentences":[{"text":"or you'll just be busy?","start":1082.035,"end":1083.415,"sentiment":"neutral","sentiment_score":-0.013702347502112388}],"sentiment":"neutral","sentiment_score":-0.013702347502112388,"channel":0,"num_words":5,"start":1082.035,"end":1083.415},{"sentences":[{"text":"yeah.","start":1083.97,"end":1084.2899,"sentiment":"neutral","sentiment_score":0.01843161508440971},{"text":"Let's do lunchtime, maybe maybe 11:11 thirty, something like that.","start":1084.2899,"end":1089.585,"sentiment":"neutral","sentiment_score":0.02291400171816349}],"sentiment":"neutral","sentiment_score":0.022506512024185875,"channel":1,"num_words":11,"start":1083.97,"end":1089.585},{"sentences":[{"text":"Yep.","start":1090.13,"end":1090.5299,"sentiment":"neutral","sentiment_score":0.06136642023921013},{"text":"I could probably do 11:30 if that's okay.","start":1090.5299,"end":1092.87,"sentiment":"neutral","sentiment_score":0.04558362299576402}],"sentiment":"neutral","sentiment_score":0.04733726713392469,"channel":0,"num_words":9,"start":1090.13,"end":1092.87},{"sentences":[{"text":"Yeah.","start":1093.265,"end":1093.505,"sentiment":"neutral","sentiment_score":0.08045780658721924},{"text":"That'll be okay.","start":1093.505,"end":1094.225,"sentiment":"neutral","sentiment_score":0.1158736323316892},{"text":"I'll just take my lunch at 11:30.","start":1094.225,"end":1096.245,"sentiment":"neutral","sentiment_score":0.08514655062130519}],"sentiment":"neutral","sentiment_score":0.09310041435740211,"channel":1,"num_words":11,"start":1093.265,"end":1096.245},{"sentences":[{"text":"Perfect.","start":1096.85,"end":1097.35,"sentiment":"neutral","sentiment_score":0.2242121249437332},{"text":"11:30AM.","start":1098.0499,"end":1099.2699,"sentiment":"neutral","sentiment_score":0.11741771548986436},{"text":"I just have one client before that.","start":1099.4099,"end":1102.3899,"sentiment":"neutral","sentiment_score":0.12078944061483655},{"text":"So I'll send you a text beforehand just to let you know, like, if I'm gonna be a couple of minutes late or something because I don't wanna waste your time.","start":1102.61,"end":1110.4249,"sentiment":"neutral","sentiment_score":0.10832212072226309},{"text":"But I'll make sure","start":1110.485,"end":1111.205,"sentiment":"neutral","sentiment_score":0.04860921949148178}],"sentiment":"neutral","sentiment_score":0.10771769420667128,"channel":0,"num_words":44,"start":1096.85,"end":1111.205},{"sentences":[{"text":"No","start":1110.97,"end":1111.21,"sentiment":"neutral","sentiment_score":0.05683582276105881}],"sentiment":"neutral","sentiment_score":0.05683582276105881,"channel":1,"num_words":1,"start":1110.97,"end":1111.21},{"sentences":[{"text":"that","start":1111.205,"end":1111.365,"sentiment":"neutral","sentiment_score":0.07052083313465118}],"sentiment":"neutral","sentiment_score":0.07052083313465118,"channel":0,"num_words":1,"start":1111.205,"end":1111.365},{"sentences":[{"text":"worries.","start":1111.21,"end":1111.71,"sentiment":"neutral","sentiment_score":0.09399455785751344}],"sentiment":"neutral","sentiment_score":0.09399455785751344,"channel":1,"num_words":1,"start":1111.21,"end":1111.71},{"sentences":[{"text":"I send the document through to you as well.","start":1111.365,"end":1113.625,"sentiment":"neutral","sentiment_score":0.14763061536682975}],"sentiment":"neutral","sentiment_score":0.14763061536682975,"channel":0,"num_words":9,"start":1111.365,"end":1113.625},{"sentences":[{"text":"Yep.","start":1114.01,"end":1114.51,"sentiment":"positive","sentiment_score":0.3500708043575287},{"text":"That would be great.","start":1114.6499,"end":1115.71,"sentiment":"positive","sentiment_score":0.696387991309166}],"sentiment":"positive","sentiment_score":0.6271245539188385,"channel":1,"num_words":5,"start":1114.01,"end":1115.71},{"sentences":[{"text":"Perfect.","start":1116.58,"end":1117.08,"sentiment":"positive","sentiment_score":0.6561278104782104},{"text":"Mate, thank you so much for talking to Sam and myself.","start":1117.46,"end":1120.2,"sentiment":"positive","sentiment_score":0.6380637802860953},{"text":"Any other questions for me before I I let you go for the weekend?","start":1120.74,"end":1123.7999,"sentiment":"neutral","sentiment_score":0.07272542773612908}],"sentiment":"positive","sentiment_score":0.3343455916127333,"channel":0,"num_words":26,"start":1116.58,"end":1123.7999},{"sentences":[{"text":"Mhmm.","start":1124.345,"end":1124.6649,"sentiment":"neutral","sentiment_score":-0.010318226180970669},{"text":"I need a cell phone now.","start":1124.6649,"end":1126.2849,"sentiment":"neutral","sentiment_score":0.016360136369864147}],"sentiment":"neutral","sentiment_score":0.012548941719744886,"channel":1,"num_words":7,"start":1124.345,"end":1126.2849},{"sentences":[{"text":"Perfect.","start":1127.46,"end":1127.96,"sentiment":"positive","sentiment_score":0.6758061051368713},{"text":"Alright then, mate.","start":1128.855,"end":1129.655,"sentiment":"positive","sentiment_score":0.6352708339691162},{"text":"You have a fantastic weekend.","start":1129.655,"end":1131.195,"sentiment":"positive","sentiment_score":0.8469171166419983},{"text":"I'll get started on the research, and we'll talk to you next Friday.","start":1131.255,"end":1134.635,"sentiment":"positive","sentiment_score":0.4816758976532863}],"sentiment":"positive","sentiment_score":0.594454129988497,"channel":0,"num_words":22,"start":1127.46,"end":1134.635},{"sentences":[{"text":"Alright.","start":1135.64,"end":1136.14,"sentiment":"neutral","sentiment_score":0.2587103545665741},{"text":"Talk to you soon.","start":1136.28,"end":1137.3401,"sentiment":"neutral","sentiment_score":0.2804330550134182},{"text":"Bye bye.","start":1137.64,"end":1138.3,"sentiment":"neutral","sentiment_score":0.22931309044361115}],"sentiment":"neutral","sentiment_score":0.26272410792963846,"channel":1,"num_words":7,"start":1135.64,"end":1138.3},{"sentences":[{"text":"Thank you.","start":1138.615,"end":1139.175,"sentiment":"positive","sentiment_score":0.7799182534217834},{"text":"See you later.","start":1139.175,"end":1139.915,"sentiment":"neutral","sentiment_score":0.31969573845465976}],"sentiment":"positive","sentiment_score":0.5037847444415092,"channel":0,"num_words":5,"start":1138.615,"end":1139.915}]},"summary":{"result":"success","short":"A senior adviser from Hostplus, named Tommy, discusses the risks of investing in a growth fund and recommends a growth fund for Ben's retirement age. The risk of investing in a growth fund is similar to the risk of investing in a fixed income portfolio. The agent suggests reducing risk levels and adjusting options to avoid risking the investment. The agent also suggests reducing risk levels and adjusting options to avoid risking the investment and recommends a plan called host plus. The agent will send a text message to confirm the appointment and reminds the customer to call if they need to change their appointment time. The service agreement with advisers will expire soon and scheduling a call for a later time is suggested."},"intents":{"segments":[{"text":"I've gotten Mhmm. some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing.","start_word":79,"end_word":114,"intents":[{"intent":"Inquire about cost","confidence_score":0.0027931775}]},{"text":"I have two options. Either host plus or a silent super. Okay.","start_word":159,"end_word":170,"intents":[{"intent":"Discuss fund options","confidence_score":0.011209521}]},{"text":"Australian Super does have, like, a balanced and a high growth, so a three or a high risk. They don't have a growth fund. Yep.","start_word":315,"end_word":339,"intents":[{"intent":"Discuss Australian super's investments","confidence_score":0.0013093838}]},{"text":"This market going down, and it's kind of just been hovering at that $1.36 to 140,000. Yeah.","start_word":647,"end_word":663,"intents":[{"intent":"Analyze market expectations","confidence_score":0.0027554506}]},{"text":"You generally wanna be in that profile if you're gonna invest for at least eight or nine years. And once you're less than eight or nine years, you have to start reducing your risk level. So balanced is three out of five. That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years. Does that make sense?","start_word":1062,"end_word":1127,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.0004421236}]},{"text":"Do you want me to do, like, a comparison for you between the three just to show you, like, the returns, risk level, fees? Would that be helpful? Yeah.","start_word":1441,"end_word":1469,"intents":[{"intent":"Compare portfolios","confidence_score":0.5308768}]},{"text":"Do you know what your insurance policy is? Because that's that's a couple of grand of fees coming out as well.","start_word":1809,"end_word":1829,"intents":[{"intent":"Discuss insurance policies and plan","confidence_score":0.000008664094}]},{"text":"I'm at in case I I moved to HousePlus, I can still use that insurance until December before I ask them to change over. Yeah?","start_word":1991,"end_word":2015,"intents":[{"intent":"Arrange insurance changes","confidence_score":0.00004478082}]},{"text":"So you've got couple of options.","start_word":2020,"end_word":2025,"intents":[{"intent":"Inquire about options","confidence_score":0.0019542016}]},{"text":"So you've got couple of options. That's already paid to December. So if something happens to you, you can still claim on it. You can change the details with Zurich for the premiums for the next year to come out of host plus or Australian super, but then you might also get a little bit of automatic insurance when you open up a Host Plus account.","start_word":2020,"end_word":2085,"intents":[{"intent":"Consider options","confidence_score":0.010384476}]},{"text":"I might as well check with them what is their insurance, their default insurance, and could be cheaper. Yeah? Yeah.","start_word":2108,"end_word":2127,"intents":[{"intent":"Check insurance details","confidence_score":0.03257498}]},{"text":"I can even do a little bit of research on the default insurances as well for you if you want and just include some information on that. Yep.","start_word":2217,"end_word":2244,"intents":[{"intent":"Provide information","confidence_score":0.07683245}]},{"text":"If you can include the phone as well. Okay. And no worries.","start_word":2245,"end_word":2256,"intents":[{"intent":"Include phone","confidence_score":0.04895984}]},{"text":"Just We just because it is Friday, are you okay if I go through this with you possibly next Friday just to give me a bit of time to put that together? yeah.","start_word":2286,"end_word":2318,"intents":[{"intent":"Determine timeline","confidence_score":0.0010277176}]},{"text":"I'll escalate a little bit and see how quickly we can put it together.","start_word":2333,"end_word":2346,"intents":[{"intent":"Plan for escalation","confidence_score":0.00040153254}]},{"text":"I normally just compare the two funds, but do you if you want me to do a little bit quicker, I don't have to compare Australian Super if you want.","start_word":2348,"end_word":2377,"intents":[{"intent":"Compare funds","confidence_score":0.8678071},{"intent":"Compare funds","confidence_score":0.15447766}]},{"text":"I can just do the Hub 24 and the host plus.","start_word":2377,"end_word":2387,"intents":[{"intent":"Offer options","confidence_score":0.009453194}]},{"text":"Just letting you know as well that our fees basically have stopped now. So they kind of expired as of, I think, two weeks from now. So there'll be nothing coming out there, but I'll include it in the projection just in case you still wanna stay with us.","start_word":2489,"end_word":2537,"intents":[{"intent":"Offer information","confidence_score":0.000072798066}]},{"text":"But I'll include it there just so you can see it, though, even if it's going off. Like, let's say you're happy with everything. I'll still put it in there just so you can see what it is so you can make your Yes.","start_word":2655,"end_word":2698,"intents":[{"intent":"Provide guidance","confidence_score":0.0062327706}]},{"text":"And then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday?","start_word":2777,"end_word":2803,"intents":[{"intent":"Schedule appointment","confidence_score":0.03381222}]}]},"sentiments":{"segments":[{"text":"Good morning, Ben. It's Tommy here, senior adviser. How are you doing today? I'm good then.","start_word":0,"end_word":15,"sentiment":"positive","sentiment_score":0.3956782519817352},{"text":"Goodbye. Sorry. I have issue with my phone. Yeah. No. That's no worries at all.","start_word":16,"end_word":30,"sentiment":"neutral","sentiment_score":-0.01784156821668148},{"text":"Thank you for calling back in, mate.","start_word":31,"end_word":37,"sentiment":"positive","sentiment_score":0.5090897679328918},{"text":"Bit of phone tag and text messages, but we we finally have each other.","start_word":38,"end_word":51,"sentiment":"neutral","sentiment_score":0.30296024680137634},{"text":"Thank you so much. All good, mate. Awesome. So, mate, I've gone through a few details this morning, and thank you again for speaking to Sam yesterday.","start_word":52,"end_word":78,"sentiment":"positive","sentiment_score":0.4818503856658935},{"text":"I've gotten Mhmm. some fee and performance details for your Hub twenty four and Australian Super, and I've also just gotten some information about, like, insurance policies, processes to move funds, all that kind of thing. So if you still Yep. have a few minutes for me, I'd like to go through that with you. Yep.","start_word":79,"end_word":134,"sentiment":"neutral","sentiment_score":0.1429269313812256},{"text":"Perfect.","start_word":135,"end_word":135,"sentiment":"positive","sentiment_score":0.43830567598342896},{"text":"Mate, just out of curiosity, so with the Australian super there, you were looking to roll over into that fund. Is that right? I have two options. Either host plus or a silent super. Okay. Yeah. And have you are you kind of leaning between one of them? I think I'll I'll go to host plus. Okay. And what made you pick Hostplus over Australian Super, if you don't mind me asking? I think they have the best record, I think, for returns. For returns. Yeah. So if you don't mind, I'm just Yeah. gonna quickly bring up their figures because I was looking at Australian Super this morning. I Yep. was looking at Hostplus a month ago, but I just wanna get their updated figures if that's alright. Okay. Just bear with me for two seconds. Here it is. So I was looking at your your hub 24. So just for a bit of context, you're in a growth portfolio. Right? So Yes. I would call that, like, a four out of five on a risk scale. Australian Super does have, like, a balanced and a high growth, so a three or a high risk. They don't have a growth fund. Yep. Their returns yeah. Australian Super's little bit average, nine to 10%, seven or 8% over ten years. Not too bad.","start_word":136,"end_word":358,"sentiment":"neutral","sentiment_score":0.06850454050863805},{"text":"I'd really like their insurances, though. Australian Super have really good default insurances.","start_word":359,"end_word":371,"sentiment":"positive","sentiment_score":0.5296280384063721},{"text":"Yep. The growth funds for host plus as of February, that's looking a lot better. Ten years, 10%, that's pretty much it. So when you're looking at a similar risk level, you kind of wanna be hitting nine or 10% on average, if that makes sense. Mhmm. Your Hub twenty four, I was just looking at it today. It's just clear to just under 12% net of fees after all the fees and everything like that. So that's where Samantha quoted that $33,000 gain to you yesterday. Is that is is that from the start of inception to Hub twenty four? No. That was just a twelve month because I was just looking at, like, a bit of a an annual review, like, year versus year, if that makes sense. Were you able to check where did I start with hub twenty four? Let's have a look. So you first rolled in the 2022, so we'll call it sort of maybe three and a half years. Yeah. It's currently sitting up, I think, about 41% over that period From the start. from the start. Yeah. Over three and a half years. Yeah. That's right. So if we go 41, 3.5, so it's 11.7% net return per year in three and a half years That is the exclusive of fees. inclusive of fees. So I always go through, like, a net return. So that's including, like, contributions going in, fees, taxes, premiums going out, and then the net return of the investments. Mhmm. The thing is for the past six months, I got stuck with that amount. Oh, just with the yeah. I get you. This market going down, and it's kind of just been hovering at that $1.36 to 140,000. Yeah. And since my my super contribution is doing nothing. Yeah.","start_word":372,"end_word":672,"sentiment":"neutral","sentiment_score":0.02102922254622577},{"text":"At the moment, mate, the the stock market just keeps going down this year, especially with what happened in Iran.","start_word":673,"end_word":692,"sentiment":"negative","sentiment_score":-0.42406728863716125},{"text":"Basically, every market's just been going down. The only thing that didn't go down as much was, like, gold. It went down a little bit, but up for the year, I think your gold's still up 31%. Your agriculture shares are up 45%. Infrastructure's in there as well. That's up 25. American shares up nine and a half. The only one that's been down in your portfolio so far is a little bit of your Australian shares that went down about 11%. So everything else has been shooting up quite fast. Yeah.","start_word":693,"end_word":784,"sentiment":"neutral","sentiment_score":-0.12765300273895264},{"text":"Because I think this is a bit risky.","start_word":785,"end_word":792,"sentiment":"negative","sentiment_score":-0.4904018938541413},{"text":"Whereas if I go to host plus, I think I minimize the risk. Yeah? Gotcha. Gotcha. I mean, if you it depends on what investment you pick. So if you moved across into their growth fund or high growth fund, you would still be experiencing going up and down. You can still have a bit of control over the risk, whichever super fund that you use. You're actually getting pretty close to your, like, your preservation age to access super. Like, you're getting really close to retirement, so you have to be careful with risk. Yeah. That's why I want to I want to minimize less less on the risk now. Less risk. Apply. Yeah. Yeah. Yeah. So let me just quickly ask you, whichever sort of fund you use, if you're gonna hit your preservation age in a few years when you can start accessing super, are you still looking to retire at, say, 65, 67? What are you thinking for time frame? I want to be do it early. The earliest I can, the better. But if I can't, Mhmm. so so I go for 65 to seven. Yeah. Yeah. So it's kind of you're in that weird balancing act where you're trying to grow it. So you've got enough to retire on, but you don't wanna lose it all right now with the stock market crashing, and then you Yeah.","start_word":793,"end_word":1025,"sentiment":"neutral","sentiment_score":-0.08530839104125428},{"text":"don't have enough.","start_word":1026,"end_word":1028,"sentiment":"negative","sentiment_score":-0.35431215167045593},{"text":"Do you know what I mean? Yeah. So let me quickly check a couple of things with you because you know how I said you're in a growth four out of five? Yeah. You generally wanna be in that profile if you're gonna invest for at least eight or nine years. And once you're less than eight or nine years, you have to start reducing your risk level. So balanced is three out of five. That's, like, for five to seven years, and then below balances if you're gonna retire in less than five years. Does that make sense? So what I'm saying there is because you know how I said you've got this gold and these shares and these properties? Your growth fund has 80% of your money in the high risk investments, the shares property gold, the ones that go up and down really high. When you're in a balanced fund, you really want more like 65, 70%. So that will make it less less up and down if that makes sense. Mhmm. So one of the questions I've sort of got, if you're still trying to grow it, then you can't go too low in the risk scale. Because if you were sitting there in conservative and cash, it's not gonna grow and then nothing to retire on.","start_word":1029,"end_word":1249,"sentiment":"neutral","sentiment_score":-0.013726726174354551},{"text":"But growth might be a little bit too high for you because if the stock market keeps crashing, it might drop another 10 to 20%.","start_word":1250,"end_word":1274,"sentiment":"negative","sentiment_score":-0.43117448687553406},{"text":"So you're a hundred and thirty eight thousand three fifty. If you stay in the growth risk profile, it could go down to a 110. Yeah. So I Does want that to avoid sound the a bit plan. too high? So I I want to avoid that one. If I go to regular super, like host plus, that's that's safer. Yeah? Depends on what you pick again. Like, if you pick their high growth, it'll be really No. risky No. I won't if I you won't pick their be balance. picking the hydro. I won't be picking the hydro.","start_word":1275,"end_word":1373,"sentiment":"neutral","sentiment_score":-0.1546575374374486},{"text":"We Perfect, just mate.","start_word":1374,"end_word":1377,"sentiment":"positive","sentiment_score":0.3348815143108368},{"text":"the the balance one. Then if you go through to, let's say, AustralianSuper or Host Plus, so what we would do is we would basically just sell down everything in Hub twenty four. And then like Yeah. you said, if you try and pick a balanced one, you've got Hub offers balance, Australian Super's got balance, and host everyone's got a balance option. Do you want me to do, like, a comparison for you between the three just to show you, like, the returns, risk level, fees? Would that be helpful? Yeah. You can do that. Because, like, if, let's say, you were gonna stay with us and Hub twenty four, I would be reducing you down to a balance as well and changing a couple of the options so it's not as risky. So if you're okay with this, I wanna just do a balance versus balance versus balance, and then you can pick which one you wanna do. Yeah. Try it first. Inclusive of the PC. Yes. Everything's gonna show you the account fees, investment fees, adviser fees, insurance premiums. I'll break all of that down for you. Yeah. You can do that.","start_word":1378,"end_word":1572,"sentiment":"neutral","sentiment_score":0.13729548454284668},{"text":"Yep. Perfect.","start_word":1573,"end_word":1574,"sentiment":"positive","sentiment_score":0.42058587074279785},{"text":"Mate, it might take me, like, a a week or two just to do the research on three different portfolios and put it in a document. Is it okay if the team calls you in about a week and a half just to book you in to go through that with me? Yeah. You can do that. The only issues with Hopfestival and OPU is the when is the capital gain tax when I decide to move over. Yeah? And Yeah. That's right. There's no when exit when fees or anything like when that. does the I think it's a period where I can avoid that one. When I reach a certain age, is that something that you're aware about? Yes. When you hit age 60 oh, sorry. When you're above 60 and when you go into retirement phase, so let's say you retire at, say, 65, when you put it into a pension account, like, Hub twenty four can move your investments inside the pension account without selling them, and then it's there's it's tax free investment, tax free gains, tax free dividends, tax free withdrawals when you wanna pull the money out.","start_word":1575,"end_word":1768,"sentiment":"neutral","sentiment_score":0.14717780115063658},{"text":"And that's pretty well the same across the board.","start_word":1769,"end_word":1777,"sentiment":"positive","sentiment_score":0.47873517870903015},{"text":"Yeah. Yeah. There's also It should be the insurance mhmm. premiums I wanted to just quickly tell you about as well because that's obviously coming out of the super two. Yep. Do you know what your insurance policy is? Because that's that's a couple of grand of fees coming out as well. And what's the is the storage? Yes. Zurich, that's the one. That's life insurance disability, and that's that's 2,342 that comes out after you take into account 15% tax rebate. So that's having a little bit of an impact as well. That's for 350,595 worth of cover, you know, to protect, like, mortgage and income replacements and all that kind of thing. That's gonna go up again end of this year, and that'll probably jump up another $5,600. So I wanted to let you know that should we look at changing some of it with the insurances? Do you wanna leave it as is for the year and look at it at Christmas time? What are your thoughts? Yeah. When when is the renewal date of that insurance? The renewal date is December 28, and they'll give you a notice, like, thirty days before that, November. They'll send you, like, a an up like, a renewal notice with the changes. I'm at in case I I moved to HousePlus, I can still use that insurance until December before I ask them to change over. Yeah? Is that what's Yeah. happening? So you've got couple of options. That's already paid to December. So if something happens to you, you can still claim on it. You can change the details with Zurich for the premiums for the next year to come out of host plus or Australian super, but then you might also get a little bit of automatic insurance when you open up a Host Plus account. They may give you $60,000 of life insurance or something like that. So you just have to check that. Or with them. I might as well check with them what is their insurance, their default insurance, and could be cheaper. Yeah? Yeah. It would likely be I a think little it's bit a cheaper little because cheap. it would be probably about a sixth of the amount of cover. But I think at your age, they do an age based default, and it I I would guess it's around 60,000 worth of cover, but we'll have to just double check with host plus. Don't know off the top of my head. So definitely worth checking that as well. For now, I'll just leave it as is because it's already paid. Yep. I can even do a little bit of research on the default insurances as well for you if you want and just include some information on that. Yep. If you can include the phone as well. Okay. And no worries. I can give you a quick I can wait, yeah, before I move before I decide to move or not. Yeah. Yep. Yeah. That'd So be fine. mhmm. Yeah. Just We just because it is Friday, are you okay if I go through this with you possibly next Friday just to give me a bit of time to put that together? yeah.","start_word":1778,"end_word":2318,"sentiment":"neutral","sentiment_score":0.0906404688155585},{"text":"If you can do that in a week's time, that would be great.","start_word":2319,"end_word":2331,"sentiment":"positive","sentiment_score":0.4620947241783142},{"text":"Yep. I'll escalate a little bit and see how quickly we can put it together. I normally just compare the two funds, but do you if you want me to do a little bit quicker, I don't have to compare Australian Super if you want. I can just do the Hub 24 and the host plus. Yeah. Yeah. I'm leaning towards host stuff anyway. Yep.","start_word":2332,"end_word":2396,"sentiment":"neutral","sentiment_score":0.10163839619893296},{"text":"Cool.","start_word":2397,"end_word":2397,"sentiment":"positive","sentiment_score":0.4808416664600372},{"text":"So balanced risk, look at some default insurances, host plus, and the Hub 24. Look. I'll put together what I think the investment should be if you were to stay with hub, and then I'll just compare it with host plus.","start_word":2398,"end_word":2438,"sentiment":"neutral","sentiment_score":0.269784539937973},{"text":"You can make a decision, and either way, we'll kind of help you with it, especially if we need to change the insurance details and whatnot.","start_word":2439,"end_word":2464,"sentiment":"positive","sentiment_score":0.3829087316989898},{"text":"And then let's say you go to host plus, they send a request through, we can sell everything down, and it will move across. Just letting you know as well that our fees basically have stopped now. So they kind of expired as of, I think, two weeks from now. So there'll be nothing coming out there, but I'll include it in the projection just in case you still wanna stay with us. What So do you mean you what do you mean that you're expired? What do you mean by that? so with our service with advisers, there's, like, a ongoing service agreement for the twelve months, and that was the 1.65% that Samantha was talking about, and then they split that up into monthly payments. The last one has just happened, and I think I'm looking at your account now. It says that we will no longer be, like, advisers on the account on the April 26. That's kind of when the agreement ends. So I It's think that's it's a monthly two weeks. the your fee is on monthly basis. Yeah? Yeah. That's right. Okay. No worries. But I'll include it there just so you can see it, though, even if it's going off.","start_word":2465,"end_word":2671,"sentiment":"neutral","sentiment_score":0.05501860752701759},{"text":"Like, let's say you're happy with everything. I'll still put it in there just so you can see what it is so you can make your Yes.","start_word":2672,"end_word":2698,"sentiment":"positive","sentiment_score":0.3983471691608429},{"text":"So that decision. and just put you would know as well how much post purchase fee is as well, so I can compare. Yeah. Yep. It'll be side by side. Okay. No worries. No good.","start_word":2699,"end_word":2733,"sentiment":"neutral","sentiment_score":0.1104677841067314},{"text":"Perfect.","start_word":2734,"end_word":2734,"sentiment":"positive","sentiment_score":0.5586621761322021},{"text":"Alright. Mate, Does it is there anything else I can add into this? I think it will be all.","start_word":2735,"end_word":2753,"sentiment":"neutral","sentiment_score":0.1824648380279541},{"text":"Perfect.","start_word":2754,"end_word":2754,"sentiment":"positive","sentiment_score":0.5979055762290955},{"text":"Look. If you think of anything else, let us know. Just send through an email, text, or call. I'll put this together. And then are you okay for me to give you a call around about maybe a little bit earlier in the morning or the afternoon next Friday? Possibly in the afternoon because right now, I'm today, I'm off, but next week, I'll be working. I'll Oh, finish yep. at Okay. I'll finish at three. Finish at three. Let me just double check your sorry. Just grabbing your account up. You're in so you don't have daylight savings anymore. Is that right? Yeah. Right now, it's what's the time now? This is ten 11:00. Yes. Same same in Queensland time as well. K. Now I will be off picking the kids up from school at 03:00 next Friday. Is it possible to do any earlier, like, around, like, lunchtime or anything, About or you'll just be busy? yeah. Let's do lunchtime, maybe maybe 11:11 thirty, something like that. Yep. I could probably do 11:30 if that's okay. Yeah. That'll be okay. I'll just take my lunch at 11:30. Perfect. 11:30AM. I just have one client before that. So I'll send you a text beforehand just to let you know, like, if I'm gonna be a couple of minutes late or something because I don't wanna waste your time. But I'll make sure No that worries. I send the document through to you as well.","start_word":2755,"end_word":2999,"sentiment":"neutral","sentiment_score":0.05252213403582573},{"text":"Yep. That would be great. Perfect. Mate, thank you so much for talking to Sam and myself.","start_word":3000,"end_word":3016,"sentiment":"positive","sentiment_score":0.6415039300918579},{"text":"Any other questions for me before I I let you go for the weekend? Mhmm. I need a cell phone now.","start_word":3017,"end_word":3037,"sentiment":"neutral","sentiment_score":0.04386846348643303},{"text":"Perfect. Alright then, mate. You have a fantastic weekend. I'll get started on the research, and we'll talk to you next Friday.","start_word":3038,"end_word":3059,"sentiment":"positive","sentiment_score":0.5963966846466064},{"text":"Alright. Talk to you soon. Bye bye.","start_word":3060,"end_word":3066,"sentiment":"neutral","sentiment_score":0.25773993134498596},{"text":"Thank you. See you later.","start_word":3067,"end_word":3071,"sentiment":"positive","sentiment_score":0.6627682447433472}],"average":{"sentiment":"neutral","sentiment_score":0.06967523846026734}}}}