{"metadata":{"transaction_key":"deprecated","request_id":"019eaf22-66b0-7f63-86b0-8eecad5a5bc5","sha256":"7131334c10adc77ca801f54a332d835d12bb7317c2d614b4836191c2db10cdfc","created":"2026-06-10T01:25:32.065Z","duration":1335.96,"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":5197,"output_tokens":88},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5759,"output_tokens":5771},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5759,"output_tokens":637}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Corey. This is Dana from Oakview Financial. How are you this morning? You're very well. Thank you. I had you booked in to go through and review today. Is now still a good time there for you? Yeah. That's okay. Before we jump no. No. You're all good. All good. Before we jump into the call there, Corey, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there for you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that. How's your morning been so far? Oh, really? Oh, you poor thing. It's a shame you don't get the day off when it's wet. All good. Look. Normally, when we send through go through your annual review, we do send through the annual review documents with you for you to go through with us. It sounds like you are probably working and maybe not really got access to your emails at the moment. Am I right? Yeah. That's okay. Not a problem at all. What I will do is I will just send them through to your email there. That way, they are there and available for you after the call to have a look at it any time that suits yourself. In the meantime, I'll just go through, do your annual review, update all of your circumstances, give you an update on what sort of been going on with your super, and we'll sort of just assess if there's any new advice that needs to be provided. Okay? Fantastic. Because you are at work, if you find that you need to stop or anything, just let me know. Alright? Easy. All good. Corey, as part of the review, we will go through and have a bit of a chat about what your sleep has been doing. But is there anything particular you had question wise or anything you wanted me to touch on with regard to your review or anything specific? Yeah. Yeah. No. That's okay. Well, we definitely wanna make sure it works out for you. We are working towards your goals there. I had done here that I I don't really have a sort of a goal age for when you're hoping to be able to access your super. Are you sort of tracking to try and access super the earliest possible age legislated, or is there a goal age that you were hoping to retire eventually? Perfect. So with the super and the legislation around super, you can't actually access it until the age of 60. If you are wanting to retire earlier, like maybe 50, we will have to look at other ways of building wealth outside of super. Did you wanna focus on down the track on building wealth outside of super to retire earlier, or do you think you'd be happy just accessing super 60? Yep. Yep. That's okay. So you're hoping to access those investments around that 50 to give you a bit of a a buffer? Yeah. Beautiful. I can see here from one of your last ten year reviews, you have an investment portfolio with some crypto and some other companies in that you're invested in. Is that right? Yeah. Back then, your investment portfolio was valued or worth about 120,000. What's the values on that now? Oh, fantastic. It's done well. And that's in crypto, yeah, that's in crypto as well as other sort of investments in companies, shares? Yep. Yeah. Fantastic. Fantastic. Are you in for the individual companies, or are you looking more ETFs and managed funds for those investments? Yep. Okay. Perfect. Yeah. A bit like crypto. Yeah. That's okay. You gotta take a bit of risk to try and get those returns. Understandable. Fantastic. Just looking at the other investments and other assets that you do have noted here, we also had it noted you had a caravan. Do you still have that caravan? Yeah. Fantastic. Our value on that one we had down was about 95,000. What sort of value is that to you at the moment? Okay. That's okay. If you had to sell that or were to sell that, what would you want for it? What value is it to you? 80,000? Yep. Beautiful. Excellent. And do you have any debts on the caravan that's owned outright? Yep. Fantastic. And I also had here vehicles, plural, so I believe it might be two, a combined value of 55,000 last time we sort of caught up. Would you alter the values on the vehicles there at all? Okay. Beautiful. What kind of vehicle is it? Ford Ranger. Beautiful. Okay. Fantastic. And what's that vehicle? Okay. Beautiful. Lovely. And, sorry, what was the insured value on that one? 117. Beautiful. And that one's all decked out for the towing. Is that right? Fantastic. Nice. Excellent. And with that newer vehicle, do you have any debt selling on that one? Did you buy it out right? Bought it out right. Fantastic. I also had it down here. It might be a while ago now that there was a settlement on a home. Have you purchased a property, or do you have an investment property or main primary residence that you own? No. No. That's okay. So that one doesn't exist. Easy. And I did have it down here that you had some cash in the bank around about 48,000. Do you still have any cash sitting in the bank at all? Nope. That's okay. That's okay. Sort of with the with the investment side of things, you've got the crypto and the investment there as well. But are you hoping to sort of invest in property, or are you sort of just focusing on these investments that you do have in growing them? Yep. Nice. Yeah. Absolutely. And I mean, if you don't like where you're at at your neighbors, you can pack up and go somewhere else. No. That's absolutely fantastic. Just double checking your circumstances. I have it down here that you're married and that you had two financial dependents at home, so two kids. Is that still correct? Yep. Oh, congratulations. That's fantastic. Yeah. And how's how's that going? Yes. Oh, fantastic. Fantastic. And your wife is Alice, and I've got her down as your next of kin. That's correct. No need to change any of that at all. No. Beautiful. I know it sounds silly, but that's always worth just double checking because not everyone wants their status of next of kin, believe it or not. So it's always worth double checking that one. She's a good egg, it sounds like. Fantastic. Employment wise, any changes or pay increases in your role? How's everything going at work? Yep. Oh, fantastic. Oh, lovely. Excellent. Excellent. 160,000 per annum. Beautiful. Are you it looks like you're not making any additional contributions to soup at the moment. Are you interested in making any additional contributions over and above your employer, or are you preferring to put all of that extra money into your investment status status for the Build the Welfare? Yeah. Absolutely. No. That's okay. Not a problem at all. All good. So just sort of where we left off, just sort of talking about additional contributions, are you open to making additional contributions to super, or are you preferring to put all your extra cash into the investments outside of super to build that wealth side of things? Yep. That's okay. Well, I certainly hope I certainly hope you do make 60. Oh, good. That's not a problem at all. And I can see your employer's making those regular contributions in, which is fantastic to see. To give you, sorry, a bit of an update on your state today, Corey. So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry. My documents are just uploading updating at the moment there. So the balance of your sleep that we have at the moment, it is up to 97,582. So as a net return, even with what's been going on, you've made about a 8.56% return net of fees, which is good to see. Yeah. Yeah. So one of the things we do I can look at with you, Super, is just making sure that you are invested correctly. And so I did sorta have a bit of a look at how your investments have been performing there. Realistically, all of them have been performing really well, even with what's been happening globally, and you've probably heard about what's been happening in the news between, The US and Iran and now high interest rates here and everything occurring, which does affect markets on a on a global scale there. As I kinda mentioned, everything has been performing quite well. We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio. You said you don't really look at your super very often. Is that right? Yeah. Yeah. No. Yep. No. Perfect. Yeah. That's okay. It's not a problem at all. Look. You should never put all your eggs in one basket, and super is just one aspect of building wealth and and looking at retirement. Having investments outside of super is just as important. Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well. With your investments, you had originally been recommended the Benelon Australian Equities. The Benelon is an active investment manager. Their job will they're supposed to be outperforming against the market or the industries that they're tracking, but they haven't been able to do so. So one of the underlying investments has had some legal troubles there. I sort of had a bit of look at your portfolio. They are down a little bit at the moment, but your other Australian exposure is up. So it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment. So I would like to maybe look at removing that out of the portfolio, swapping it for something else. Because it is down at the moment, it does mean that we are cementing the loss to that investment. But because we can also go back and just review the investment portfolio as a whole, maybe do a bit of rebalance there. Cementing the loss at the moment is a bad thing. We can utilize that loss to offer any additional gains that the other investments may have made. I just wanted to sort of find out a bit more about what you would like to see invested with your super debt. So as I kinda mentioned, the Better Long is more of an actively managed fund. I could, if you like, look at replacing that with a different actively managed fund, or I could look at an investment that's a bit more lower cost, maybe provides a greater diversification, and it's more passively managed. Did you want me to sort of look at either one of those? What's your preference there? Yeah. That's okay. I mean, realistically, with where you are, you are young. You can benefit from from from some active management in your portfolio. However, active managers don't always perform against the market. They quite often don't. The fact that they do on a regular basis is very rare. In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification. Instead of having 15 underlying investments, you could have, you know, 200. So it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees. Are you comfortable with me looking at that for you? Yeah. Beautiful. I do also go back and have a look at how they have performed over the past as well, making sure we have greater past performance to make sure putting that in there does give you access to potential greater future performance as well, but also making sure that we understand the CGT effect in your super fund. Because like you do a tax return every year, your super fund also does a tax return. So just making sure that we, you know, can mitigate whatever CGT costs that your super fund needs to pay. And I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected. Does that sound okay? Yeah. Beautiful. Did you have, like, further questions for me to kinda break anything down further for you, or is that all okay? Yep. That's okay. All good. Well, I'll go back and have a bit of a look there for you. Now I also just wanted to run through a really quick risk profile just sort of making sure that you are invested correctly. You do have you you are more of that growth environment, which sort of sees a 8% in growth at investment and 20% defensive investment. So looking at greater diversification, holding some low risk investment as well as the higher risk areas to kind of obtain future growth. Having a look, I'm just updating some of these questions that you did answer last time. You do have individual shares in crypto in your portfolio outside of super, so you are pretty well versed in how investments work there. So I'm just gonna tick the box to say that you pretty well have a good understanding. When it comes to the time horizon, because you are still very young, can't really access supers at the age of 60. I'm ticking off the boxes because you have greater than ten years ahead of you there. You sort of also mentioned to me that you don't is sort of a a backup area. You know, you see what happens and how far you get and, you know, what you've got when you get to that point there. It's not kind of your main priority at the moment, but how do drops in the market kinda make you feel if you saw, you know, a 10 or 20% drop over the next one, two, or three years? Do you think you're looking at that as the an investment opportunity? Are you feeling a bit concerned? How do you sort of feel or see those market reactions? Yep. Beautiful. Beautiful. You know what? I don't get that answer very often, and I actually really like it. They always do. I absolutely completely understand. That's fantastic. So you wouldn't sort of be worried by yeah. Absolutely. Absolutely. And when I'm looking at the overall rate of return, you're trying to obtain the best rate of return you possibly can from the portfolio given market conditions. Is that about right? Or Yep. Yep. Yeah. Perfect. Perfect. The other thing to sort of think about is if you look at risk on on a scale of one to five with a growth portfolio, you're sort of in between that three to four mark. You're not taking the highest level of risk in the market, but you're also not taking the lowest amount of risk. You're obtaining good returns, sort of middle range there. Do you feel like that sort of fits your comfort level when you consider the risk versus reward sort of scenario? Do you feel like you would wanna take a bit more risk to get greater potential returns, or do you feel like that middle sort of ground is comfortable for you? Yep. Okay. Beautiful. You have to look at you. Yeah. Yeah. Well, with the portfolio you have at the moment in, you have the opposite way around. So 80% in those higher risk investments, so things like international Australian equities. We have also property and also commodities like gold and silver, and then the other 20% in those defensive lower risk investments like cash bonds and fixed interest. This sort of absolutely. And gold has done really well in your portfolio. It's returned over 20% for the year. So it is it is doing very, very well, and it does work both ways. The gold is technically a growth investment. However, it does have defensive principles and defensive it is defensive in nature at certain times in the in your responses. So it is really great to hold there, and I would not be wanting to remove that from your portfolio. I might just look at rebalancing it, just look at the risk level, maybe rebalance things a little bit so that we're compounding. And I'll come back and show you the advice documents, show you what I'm recommending we do, and what changes we make, and how that's gonna benefit you. Okay? All good. So just with that growth portfolio, you have scored in that sort of growth range. You are in that growth environment at the moment. A growth portfolio normally suits someone who has at least six years before they accessing their sleep, but you've got more than triple that. So you've got plenty of time ahead of you before accessing your sleep at this time frame. With that growth environment, we're chasing about a seven to 9% annual compounded return. And the fact that you've got that 8% return there means you've hit that range for the year. You're in the middle of that sort of expected rate of return. And the likelihood of a negative year is about one in every sort of five years with this sort of portfolio. Do you feel comfortable remaining in that sort of environment within Super? Yep. Beautiful. Beautiful. Well, I'll double check your investments. I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are. I'll look at removing the underlying then along that has been underperforming for you, and I'll show you what we'll replace it with, how that affects you, the cost involved, and then you can let me know what you wanna decide. Does that sound okay? Fantastic. Oh, that's okay. The only other last thing I needed to double check was your insurances. You've got your life, your TBD. It's the current sum insured is 1,400,000. Are you happy with those? Did you wanna alter the insurances, the life, TPD, or income protection at all? Yep. That's okay. Not a problem. And just with your beneficiary side of things, you're hoping to keep Alice as your beneficiary on your life and your super. Is that right? Yep. Fantastic. Not a problem at all. Well, look, I will let you go. I've sent the annual review pack to you. It does have all those documents in there. Have a look at them. If you have any questions or wanna review any of them, come back and let me know. I've also got the ongoing service agreement. So to remain on board and have us continue looking after your super, we just get you to return that back. Our normal fee is 1.65%, but yours is reduced to 1.1 because we have yourself and our associates clients there. And I've also got the ongoing service, so the financial services guide for you to have a look at, which has a picture of me and all of my information in there for you in case you wanted to review that. But I'll add a few more details in the email there. Let me know if there's any questions, but I thank you so much for your time, Tory. Yeah. You too. Thank you. See you later. 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Corey. This is Dana from Oakview Financial. How are you this morning? You're very well. Thank you.\n\nI had you booked in to go through and review today. Is now still a good time there for you? Yeah. That's okay. Before we jump no.\n\nNo. You're all good. All good. Before we jump into the call there, Corey, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do security there for you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that.\n\nHow's your morning been so far? Oh, really? Oh, you poor thing. It's a shame you don't get the day off when it's wet. All good.\n\nLook. Normally, when we send through go through your annual review, we do send through the annual review documents with you for you to go through with us. It sounds like you are probably working and maybe not really got access to your emails at the moment. Am I right? Yeah.\n\nThat's okay. Not a problem at all. What I will do is I will just send them through to your email there. That way, they are there and available for you after the call to have a look at it any time that suits yourself. In the meantime, I'll just go through, do your annual review, update all of your circumstances, give you an update on what sort of been going on with your super, and we'll sort of just assess if there's any new advice that needs to be provided.\n\nOkay? Fantastic. Because you are at work, if you find that you need to stop or anything, just let me know. Alright? Easy.\n\nAll good. Corey, as part of the review, we will go through and have a bit of a chat about what your sleep has been doing. But is there anything particular you had question wise or anything you wanted me to touch on with regard to your review or anything specific? Yeah. Yeah.\n\nNo. That's okay. Well, we definitely wanna make sure it works out for you. We are working towards your goals there. I had done here that I I don't really have a sort of a goal age for when you're hoping to be able to access your super.\n\nAre you sort of tracking to try and access super the earliest possible age legislated, or is there a goal age that you were hoping to retire eventually? Perfect. So with the super and the legislation around super, you can't actually access it until the age of 60. If you are wanting to retire earlier, like maybe 50, we will have to look at other ways of building wealth outside of super. Did you wanna focus on down the track on building wealth outside of super to retire earlier, or do you think you'd be happy just accessing super 60?\n\nYep. Yep. That's okay. So you're hoping to access those investments around that 50 to give you a bit of a a buffer? Yeah.\n\nBeautiful. I can see here from one of your last ten year reviews, you have an investment portfolio with some crypto and some other companies in that you're invested in. Is that right? Yeah. Back then, your investment portfolio was valued or worth about 120,000.\n\nWhat's the values on that now? Oh, fantastic. It's done well. And that's in crypto, yeah, that's in crypto as well as other sort of investments in companies, shares? Yep.\n\nYeah. Fantastic. Fantastic. Are you in for the individual companies, or are you looking more ETFs and managed funds for those investments? Yep.\n\nOkay. Perfect. Yeah. A bit like crypto. Yeah.\n\nThat's okay. You gotta take a bit of risk to try and get those returns. Understandable. Fantastic. Just looking at the other investments and other assets that you do have noted here, we also had it noted you had a caravan.\n\nDo you still have that caravan? Yeah. Fantastic. Our value on that one we had down was about 95,000. What sort of value is that to you at the moment?\n\nOkay. That's okay. If you had to sell that or were to sell that, what would you want for it? What value is it to you? 80,000?\n\nYep. Beautiful. Excellent. And do you have any debts on the caravan that's owned outright? Yep.\n\nFantastic. And I also had here vehicles, plural, so I believe it might be two, a combined value of 55,000 last time we sort of caught up. Would you alter the values on the vehicles there at all? Okay. Beautiful.\n\nWhat kind of vehicle is it? Ford Ranger. Beautiful. Okay. Fantastic.\n\nAnd what's that vehicle? Okay. Beautiful. Lovely. And, sorry, what was the insured value on that one?\n\n117. Beautiful. And that one's all decked out for the towing. Is that right? Fantastic.\n\nNice. Excellent. And with that newer vehicle, do you have any debt selling on that one? Did you buy it out right? Bought it out right.\n\nFantastic. I also had it down here. It might be a while ago now that there was a settlement on a home. Have you purchased a property, or do you have an investment property or main primary residence that you own? No.\n\nNo. That's okay. So that one doesn't exist. Easy. And I did have it down here that you had some cash in the bank around about 48,000.\n\nDo you still have any cash sitting in the bank at all? Nope. That's okay. That's okay. Sort of with the with the investment side of things, you've got the crypto and the investment there as well.\n\nBut are you hoping to sort of invest in property, or are you sort of just focusing on these investments that you do have in growing them? Yep. Nice. Yeah. Absolutely.\n\nAnd I mean, if you don't like where you're at at your neighbors, you can pack up and go somewhere else. No. That's absolutely fantastic. Just double checking your circumstances. I have it down here that you're married and that you had two financial dependents at home, so two kids.\n\nIs that still correct? Yep. Oh, congratulations. That's fantastic. Yeah.\n\nAnd how's how's that going? Yes. Oh, fantastic. Fantastic. And your wife is Alice, and I've got her down as your next of kin.\n\nThat's correct. No need to change any of that at all. No. Beautiful. I know it sounds silly, but that's always worth just double checking because not everyone wants their status of next of kin, believe it or not.\n\nSo it's always worth double checking that one. She's a good egg, it sounds like. Fantastic. Employment wise, any changes or pay increases in your role? How's everything going at work?\n\nYep. Oh, fantastic. Oh, lovely. Excellent. Excellent.\n\n160,000 per annum. Beautiful. Are you it looks like you're not making any additional contributions to soup at the moment. Are you interested in making any additional contributions over and above your employer, or are you preferring to put all of that extra money into your investment status status for the Build the Welfare? Yeah.\n\nAbsolutely. No. That's okay. Not a problem at all. All good.\n\nSo just sort of where we left off, just sort of talking about additional contributions, are you open to making additional contributions to super, or are you preferring to put all your extra cash into the investments outside of super to build that wealth side of things? Yep. That's okay. Well, I certainly hope I certainly hope you do make 60. Oh, good.\n\nThat's not a problem at all. And I can see your employer's making those regular contributions in, which is fantastic to see. To give you, sorry, a bit of an update on your state today, Corey. So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry. My documents are just uploading updating at the moment there.\n\nSo the balance of your sleep that we have at the moment, it is up to 97,582. So as a net return, even with what's been going on, you've made about a 8.56% return net of fees, which is good to see. Yeah. Yeah. So one of the things we do I can look at with you, Super, is just making sure that you are invested correctly.\n\nAnd so I did sorta have a bit of a look at how your investments have been performing there. Realistically, all of them have been performing really well, even with what's been happening globally, and you've probably heard about what's been happening in the news between, The US and Iran and now high interest rates here and everything occurring, which does affect markets on a on a global scale there. As I kinda mentioned, everything has been performing quite well. We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio. You said you don't really look at your super very often.\n\nIs that right? Yeah. Yeah. No. Yep.\n\nNo. Perfect. Yeah. That's okay. It's not a problem at all.\n\nLook. You should never put all your eggs in one basket, and super is just one aspect of building wealth and and looking at retirement. Having investments outside of super is just as important. Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well. With your investments, you had originally been recommended the Benelon Australian Equities.\n\nThe Benelon is an active investment manager. Their job will they're supposed to be outperforming against the market or the industries that they're tracking, but they haven't been able to do so. So one of the underlying investments has had some legal troubles there. I sort of had a bit of look at your portfolio. They are down a little bit at the moment, but your other Australian exposure is up.\n\nSo it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment. So I would like to maybe look at removing that out of the portfolio, swapping it for something else. Because it is down at the moment, it does mean that we are cementing the loss to that investment. But because we can also go back and just review the investment portfolio as a whole, maybe do a bit of rebalance there. Cementing the loss at the moment is a bad thing.\n\nWe can utilize that loss to offer any additional gains that the other investments may have made. I just wanted to sort of find out a bit more about what you would like to see invested with your super debt. So as I kinda mentioned, the Better Long is more of an actively managed fund. I could, if you like, look at replacing that with a different actively managed fund, or I could look at an investment that's a bit more lower cost, maybe provides a greater diversification, and it's more passively managed. Did you want me to sort of look at either one of those?\n\nWhat's your preference there? Yeah. That's okay. I mean, realistically, with where you are, you are young. You can benefit from from from some active management in your portfolio.\n\nHowever, active managers don't always perform against the market. They quite often don't. The fact that they do on a regular basis is very rare. In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification. Instead of having 15 underlying investments, you could have, you know, 200.\n\nSo it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees. Are you comfortable with me looking at that for you? Yeah. Beautiful. I do also go back and have a look at how they have performed over the past as well, making sure we have greater past performance to make sure putting that in there does give you access to potential greater future performance as well, but also making sure that we understand the CGT effect in your super fund.\n\nBecause like you do a tax return every year, your super fund also does a tax return. So just making sure that we, you know, can mitigate whatever CGT costs that your super fund needs to pay. And I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected. Does that sound okay? Yeah.\n\nBeautiful. Did you have, like, further questions for me to kinda break anything down further for you, or is that all okay? Yep. That's okay. All good.\n\nWell, I'll go back and have a bit of a look there for you. Now I also just wanted to run through a really quick risk profile just sort of making sure that you are invested correctly. You do have you you are more of that growth environment, which sort of sees a 8% in growth at investment and 20% defensive investment. So looking at greater diversification, holding some low risk investment as well as the higher risk areas to kind of obtain future growth. Having a look, I'm just updating some of these questions that you did answer last time.\n\nYou do have individual shares in crypto in your portfolio outside of super, so you are pretty well versed in how investments work there. So I'm just gonna tick the box to say that you pretty well have a good understanding. When it comes to the time horizon, because you are still very young, can't really access supers at the age of 60. I'm ticking off the boxes because you have greater than ten years ahead of you there. You sort of also mentioned to me that you don't is sort of a a backup area.\n\nYou know, you see what happens and how far you get and, you know, what you've got when you get to that point there. It's not kind of your main priority at the moment, but how do drops in the market kinda make you feel if you saw, you know, a 10 or 20% drop over the next one, two, or three years? Do you think you're looking at that as the an investment opportunity? Are you feeling a bit concerned? How do you sort of feel or see those market reactions?\n\nYep. Beautiful. Beautiful. You know what? I don't get that answer very often, and I actually really like it.\n\nThey always do. I absolutely completely understand. That's fantastic. So you wouldn't sort of be worried by yeah. Absolutely.\n\nAbsolutely. And when I'm looking at the overall rate of return, you're trying to obtain the best rate of return you possibly can from the portfolio given market conditions. Is that about right? Or Yep. Yep.\n\nYeah. Perfect. Perfect. The other thing to sort of think about is if you look at risk on on a scale of one to five with a growth portfolio, you're sort of in between that three to four mark. You're not taking the highest level of risk in the market, but you're also not taking the lowest amount of risk.\n\nYou're obtaining good returns, sort of middle range there. Do you feel like that sort of fits your comfort level when you consider the risk versus reward sort of scenario? Do you feel like you would wanna take a bit more risk to get greater potential returns, or do you feel like that middle sort of ground is comfortable for you? Yep. Okay.\n\nBeautiful. You have to look at you. Yeah. Yeah. Well, with the portfolio you have at the moment in, you have the opposite way around.\n\nSo 80% in those higher risk investments, so things like international Australian equities. We have also property and also commodities like gold and silver, and then the other 20% in those defensive lower risk investments like cash bonds and fixed interest. This sort of absolutely. And gold has done really well in your portfolio. It's returned over 20% for the year.\n\nSo it is it is doing very, very well, and it does work both ways. The gold is technically a growth investment. However, it does have defensive principles and defensive it is defensive in nature at certain times in the in your responses. So it is really great to hold there, and I would not be wanting to remove that from your portfolio. I might just look at rebalancing it, just look at the risk level, maybe rebalance things a little bit so that we're compounding.\n\nAnd I'll come back and show you the advice documents, show you what I'm recommending we do, and what changes we make, and how that's gonna benefit you. Okay? All good. So just with that growth portfolio, you have scored in that sort of growth range. You are in that growth environment at the moment.\n\nA growth portfolio normally suits someone who has at least six years before they accessing their sleep, but you've got more than triple that. So you've got plenty of time ahead of you before accessing your sleep at this time frame. With that growth environment, we're chasing about a seven to 9% annual compounded return. And the fact that you've got that 8% return there means you've hit that range for the year. You're in the middle of that sort of expected rate of return.\n\nAnd the likelihood of a negative year is about one in every sort of five years with this sort of portfolio. Do you feel comfortable remaining in that sort of environment within Super? Yep. Beautiful. Beautiful.\n\nWell, I'll double check your investments. I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are. I'll look at removing the underlying then along that has been underperforming for you, and I'll show you what we'll replace it with, how that affects you, the cost involved, and then you can let me know what you wanna decide. Does that sound okay? Fantastic.\n\nOh, that's okay. The only other last thing I needed to double check was your insurances. You've got your life, your TBD. It's the current sum insured is 1,400,000. Are you happy with those?\n\nDid you wanna alter the insurances, the life, TPD, or income protection at all? Yep. That's okay. Not a problem. And just with your beneficiary side of things, you're hoping to keep Alice as your beneficiary on your life and your super.\n\nIs that right? Yep. Fantastic. Not a problem at all. Well, look, I will let you go.\n\nI've sent the annual review pack to you. It does have all those documents in there. Have a look at them. If you have any questions or wanna review any of them, come back and let me know. I've also got the ongoing service agreement.\n\nSo to remain on board and have us continue looking after your super, we just get you to return that back. Our normal fee is 1.65%, but yours is reduced to 1.1 because we have yourself and our associates clients there. And I've also got the ongoing service, so the financial services guide for you to have a look at, which has a picture of me and all of my information in there for you in case you wanted to review that. But I'll add a few more details in the email there. Let me know if there's any questions, but I thank you so much for your time, Tory.\n\nYeah. You too. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Corey.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.17742149531841278},{"text":"This is Dana from Oakview Financial.","start":2.6399999,"end":4.3199997,"sentiment":"positive","sentiment_score":0.36134977638721466},{"text":"How are you this morning?","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.310949969291687},{"text":"You're very well.","start":7.9199996,"end":8.88,"sentiment":"positive","sentiment_score":0.6266058087348938},{"text":"Thank you.","start":8.88,"end":9.44,"sentiment":"positive","sentiment_score":0.6960674524307251}],"sentiment":"positive","sentiment_score":0.4083135459158156,"num_words":18,"start":2.0,"end":9.44},{"sentences":[{"text":"I had you booked in to go through and review today.","start":9.44,"end":11.759999,"sentiment":"positive","sentiment_score":0.38434092835946515},{"text":"Is now still a good time there for you?","start":11.759999,"end":13.695,"sentiment":"positive","sentiment_score":0.346407401892874},{"text":"Yeah.","start":16.895,"end":17.395,"sentiment":"neutral","sentiment_score":0.20283736288547516},{"text":"That's okay.","start":17.455,"end":18.275,"sentiment":"neutral","sentiment_score":0.19077251106500626},{"text":"Before we jump no.","start":19.135,"end":23.134998,"sentiment":"neutral","sentiment_score":0.007118728011846542}],"sentiment":"neutral","sentiment_score":0.2947508935575132,"num_words":27,"start":9.44,"end":23.134998},{"sentences":[{"text":"No.","start":23.134998,"end":23.375,"sentiment":"neutral","sentiment_score":-0.0006745830178260803},{"text":"You're all good.","start":23.375,"end":24.435,"sentiment":"positive","sentiment_score":0.34283919135729474},{"text":"All good.","start":24.735,"end":25.454998,"sentiment":"positive","sentiment_score":0.35551345348358154},{"text":"Before we jump into the call there, Corey, just to let you know, we do record our calls for quality and training purposes.","start":25.695,"end":30.23,"sentiment":"neutral","sentiment_score":0.07672804375381573},{"text":"Are you happy for me to proceed with that?","start":30.23,"end":32.25,"sentiment":"neutral","sentiment_score":0.13546267648537955}],"sentiment":"neutral","sentiment_score":0.1242836577033526,"num_words":38,"start":23.134998,"end":32.25},{"sentences":[{"text":"Fantastic.","start":33.91,"end":34.41,"sentiment":"positive","sentiment_score":0.47855305671691895},{"text":"And just to do security there for you as well, I just need to confirm your full name, your date of birth, and address I should have on file.","start":34.55,"end":40.41,"sentiment":"neutral","sentiment_score":0.20480891882345595},{"text":"Yep.","start":49.215,"end":49.695,"sentiment":"neutral","sentiment_score":0.15054547786712646},{"text":"Fantastic.","start":49.695,"end":50.195,"sentiment":"positive","sentiment_score":0.4547652006149292},{"text":"Thank you so much for that.","start":50.495003,"end":52.115,"sentiment":"neutral","sentiment_score":0.2028105774273475}],"sentiment":"neutral","sentiment_score":0.2168469959379811,"num_words":38,"start":33.91,"end":52.115},{"sentences":[{"text":"How's your morning been so far?","start":52.255,"end":54.195,"sentiment":"neutral","sentiment_score":0.041299088237186275},{"text":"Oh, really?","start":57.149998,"end":57.73,"sentiment":"neutral","sentiment_score":-0.09578265249729156},{"text":"Oh, you poor thing.","start":58.269997,"end":61.949997,"sentiment":"negative","sentiment_score":-0.4149194583296776},{"text":"It's a shame you don't get the day off when it's wet.","start":61.949997,"end":64.28999,"sentiment":"negative","sentiment_score":-0.4269741401076317},{"text":"All good.","start":69.155,"end":69.955,"sentiment":"neutral","sentiment_score":0.14791689813137054}],"sentiment":"neutral","sentiment_score":-0.24735786515073135,"num_words":26,"start":52.255,"end":69.955},{"sentences":[{"text":"Look.","start":69.955,"end":70.355,"sentiment":"neutral","sentiment_score":0.006937604397535324},{"text":"Normally, when we send through go through your annual review, we do send through the annual review documents with you for you to go through with us.","start":70.355,"end":77.015,"sentiment":"neutral","sentiment_score":-0.021248950933416683},{"text":"It sounds like you are probably working and maybe not really got access to your emails at the moment.","start":77.075,"end":82.48,"sentiment":"neutral","sentiment_score":-0.14304661084162562},{"text":"Am I right?","start":82.48,"end":83.380005,"sentiment":"neutral","sentiment_score":-0.024324489136536915},{"text":"Yeah.","start":84.8,"end":85.04,"sentiment":"neutral","sentiment_score":0.023475706577301025}],"sentiment":"neutral","sentiment_score":-0.06537583211035121,"num_words":51,"start":69.955,"end":85.04},{"sentences":[{"text":"That's okay.","start":85.04,"end":85.840004,"sentiment":"neutral","sentiment_score":0.06937466561794281},{"text":"Not a problem at all.","start":85.840004,"end":86.64,"sentiment":"neutral","sentiment_score":0.1482016324996948},{"text":"What I will do is I will just send them through to your email there.","start":86.64,"end":89.520004,"sentiment":"neutral","sentiment_score":0.12994848638772966},{"text":"That way, they are there and available for you after the call to have a look at it any time that suits yourself.","start":89.520004,"end":94.275,"sentiment":"neutral","sentiment_score":0.14857963602180066},{"text":"In the meantime, I'll just go through, do your annual review, update all of your circumstances, give you an update on what sort of been going on with your super, and we'll sort of just assess if there's any new advice that needs to be provided.","start":94.415,"end":104.675,"sentiment":"neutral","sentiment_score":0.09462996758520603}],"sentiment":"neutral","sentiment_score":0.11647576842825491,"num_words":91,"start":85.04,"end":104.675},{"sentences":[{"text":"Okay?","start":105.055,"end":105.555,"sentiment":"neutral","sentiment_score":0.07689259201288223},{"text":"Fantastic.","start":107.64,"end":108.14,"sentiment":"positive","sentiment_score":0.7387027740478516},{"text":"Because you are at work, if you find that you need to stop or anything, just let me know.","start":108.52,"end":112.76,"sentiment":"positive","sentiment_score":0.39525535702705383},{"text":"Alright?","start":112.76,"end":113.26,"sentiment":"neutral","sentiment_score":0.21093802154064176},{"text":"Easy.","start":115.159996,"end":115.56,"sentiment":"positive","sentiment_score":0.517464280128479}],"sentiment":"positive","sentiment_score":0.3936456283149512,"num_words":23,"start":105.055,"end":115.56},{"sentences":[{"text":"All good.","start":115.56,"end":116.28,"sentiment":"positive","sentiment_score":0.6051442325115204},{"text":"Corey, as part of the review, we will go through and have a bit of a chat about what your sleep has been doing.","start":116.28,"end":120.86,"sentiment":"neutral","sentiment_score":0.15174004280318817},{"text":"But is there anything particular you had question wise or anything you wanted me to touch on with regard to your review or anything specific?","start":121.105,"end":127.685,"sentiment":"neutral","sentiment_score":0.07252167180180549},{"text":"Yeah.","start":130.865,"end":131.365,"sentiment":"neutral","sentiment_score":-0.024120846763253212},{"text":"Yeah.","start":134.53,"end":134.93001,"sentiment":"neutral","sentiment_score":0.05774630606174469}],"sentiment":"neutral","sentiment_score":0.12639088201213558,"num_words":53,"start":115.56,"end":134.93001},{"sentences":[{"text":"No.","start":134.93001,"end":135.25,"sentiment":"neutral","sentiment_score":-0.03449545055627823},{"text":"That's okay.","start":135.25,"end":136.07,"sentiment":"neutral","sentiment_score":0.09753987193107605},{"text":"Well, we definitely wanna make sure it works out for you.","start":137.73001,"end":140.09,"sentiment":"positive","sentiment_score":0.43685572933066974},{"text":"We are working towards your goals there.","start":140.09,"end":142.15001,"sentiment":"positive","sentiment_score":0.40247433526175364},{"text":"I had done here that I I don't really have a sort of a goal age for when you're hoping to be able to access your super.","start":142.77,"end":148.63,"sentiment":"neutral","sentiment_score":-0.1264444393692193}],"sentiment":"neutral","sentiment_score":0.0910274541626374,"num_words":48,"start":134.93001,"end":148.63},{"sentences":[{"text":"Are you sort of tracking to try and access super the earliest possible age legislated, or is there a goal age that you were hoping to retire eventually?","start":149.255,"end":156.47499,"sentiment":"neutral","sentiment_score":-0.07867839533303465},{"text":"Perfect.","start":160.61499,"end":161.11499,"sentiment":"neutral","sentiment_score":0.2381173670291901},{"text":"So with the super and the legislation around super, you can't actually access it until the age of 60.","start":161.68,"end":166.74,"sentiment":"neutral","sentiment_score":-0.03773585412847368},{"text":"If you are wanting to retire earlier, like maybe 50, we will have to look at other ways of building wealth outside of super.","start":167.04,"end":174.02,"sentiment":"neutral","sentiment_score":-0.029392788652330637},{"text":"Did you wanna focus on down the track on building wealth outside of super to retire earlier, or do you think you'd be happy just accessing super 60?","start":174.43501,"end":181.735,"sentiment":"neutral","sentiment_score":0.0003346736942018781}],"sentiment":"neutral","sentiment_score":-0.03377914994955063,"num_words":100,"start":149.255,"end":181.735},{"sentences":[{"text":"Yep.","start":187.97,"end":188.47,"sentiment":"neutral","sentiment_score":-0.15257015824317932},{"text":"Yep.","start":190.29001,"end":190.69,"sentiment":"neutral","sentiment_score":0.06768390536308289},{"text":"That's okay.","start":190.69,"end":191.17001,"sentiment":"neutral","sentiment_score":0.032946829684078686},{"text":"So you're hoping to access those investments around that 50 to give you a bit of a a buffer?","start":191.17001,"end":195.99,"sentiment":"neutral","sentiment_score":0.023031104110965605},{"text":"Yeah.","start":200.625,"end":200.945,"sentiment":"neutral","sentiment_score":0.14765772223472595}],"sentiment":"neutral","sentiment_score":0.023594004451297224,"num_words":24,"start":187.97,"end":200.945},{"sentences":[{"text":"Beautiful.","start":200.945,"end":201.445,"sentiment":"positive","sentiment_score":0.4805542826652527},{"text":"I can see here from one of your last ten year reviews, you have an investment portfolio with some crypto and some other companies in that you're invested in.","start":201.585,"end":210.225,"sentiment":"neutral","sentiment_score":0.11447761888647902},{"text":"Is that right?","start":210.225,"end":211.04501,"sentiment":"neutral","sentiment_score":0.09967987487713496},{"text":"Yeah.","start":212.52,"end":213.02,"sentiment":"neutral","sentiment_score":0.027608472853899},{"text":"Back then, your investment portfolio was valued or worth about 120,000.","start":213.08,"end":218.28,"sentiment":"neutral","sentiment_score":0.016070287589999763}],"sentiment":"neutral","sentiment_score":0.09564058869663213,"num_words":45,"start":200.945,"end":218.28},{"sentences":[{"text":"What's the values on that now?","start":218.28,"end":220.06,"sentiment":"neutral","sentiment_score":0.016198440610120695},{"text":"Oh, fantastic.","start":222.92,"end":223.82,"sentiment":"positive","sentiment_score":0.46302229166030884},{"text":"It's done well.","start":223.96,"end":224.86,"sentiment":"positive","sentiment_score":0.5350091060002645},{"text":"And that's in crypto, yeah, that's in crypto as well as other sort of investments in companies, shares?","start":225.565,"end":231.665,"sentiment":"neutral","sentiment_score":0.04155082426344355},{"text":"Yep.","start":232.44499,"end":232.94499,"sentiment":"neutral","sentiment_score":0.025311555713415142}],"sentiment":"neutral","sentiment_score":0.11338296458125115,"num_words":30,"start":218.28,"end":232.94499},{"sentences":[{"text":"Yeah.","start":235.005,"end":235.485,"sentiment":"neutral","sentiment_score":0.1238088756799698},{"text":"Fantastic.","start":235.485,"end":235.985,"sentiment":"neutral","sentiment_score":0.325002521276474},{"text":"Fantastic.","start":236.44499,"end":236.94499,"sentiment":"neutral","sentiment_score":0.28105634450912476},{"text":"Are you in for the individual companies, or are you looking more ETFs and managed funds for those investments?","start":237.165,"end":242.53,"sentiment":"neutral","sentiment_score":0.028683644670404886},{"text":"Yep.","start":247.87,"end":248.37,"sentiment":"neutral","sentiment_score":-0.011368597857654096}],"sentiment":"neutral","sentiment_score":0.05493427792806988,"num_words":23,"start":235.005,"end":248.37},{"sentences":[{"text":"Okay.","start":251.39,"end":251.87,"sentiment":"neutral","sentiment_score":0.0132785988971591},{"text":"Perfect.","start":251.87,"end":252.37,"sentiment":"neutral","sentiment_score":0.12403002381324768},{"text":"Yeah.","start":253.015,"end":253.515,"sentiment":"neutral","sentiment_score":0.013176639564335346},{"text":"A bit like crypto.","start":256.855,"end":257.915,"sentiment":"neutral","sentiment_score":-0.03669798979535699},{"text":"Yeah.","start":258.215,"end":258.535,"sentiment":"neutral","sentiment_score":-0.02912912890315056}],"sentiment":"neutral","sentiment_score":-0.0031794782262295485,"num_words":8,"start":251.39,"end":258.535},{"sentences":[{"text":"That's okay.","start":258.535,"end":259.255,"sentiment":"neutral","sentiment_score":-0.03354119602590799},{"text":"You gotta take a bit of risk to try and get those returns.","start":259.255,"end":261.575,"sentiment":"neutral","sentiment_score":-0.04672002247892893},{"text":"Understandable.","start":261.575,"end":262.075,"sentiment":"neutral","sentiment_score":0.0212322436273098},{"text":"Fantastic.","start":265.67,"end":266.17,"sentiment":"neutral","sentiment_score":0.2010064721107483},{"text":"Just looking at the other investments and other assets that you do have noted here, we also had it noted you had a caravan.","start":266.39,"end":272.47,"sentiment":"neutral","sentiment_score":0.05662275074670712}],"sentiment":"neutral","sentiment_score":0.022115659741003338,"num_words":41,"start":258.535,"end":272.47},{"sentences":[{"text":"Do you still have that caravan?","start":272.47,"end":273.85,"sentiment":"neutral","sentiment_score":0.019074616643289726},{"text":"Yeah.","start":275.67,"end":276.07,"sentiment":"neutral","sentiment_score":0.07215986400842667},{"text":"Fantastic.","start":276.07,"end":276.57,"sentiment":"neutral","sentiment_score":0.17820969223976135},{"text":"Our value on that one we had down was about 95,000.","start":277.03,"end":279.99,"sentiment":"neutral","sentiment_score":0.04306695339354602},{"text":"What sort of value is that to you at the moment?","start":279.99,"end":282.085,"sentiment":"neutral","sentiment_score":-0.007424487478353761}],"sentiment":"neutral","sentiment_score":0.025229479372501373,"num_words":30,"start":272.47,"end":282.085},{"sentences":[{"text":"Okay.","start":287.025,"end":287.525,"sentiment":"neutral","sentiment_score":-0.17899399995803833},{"text":"That's okay.","start":290.865,"end":291.585,"sentiment":"neutral","sentiment_score":-0.1041293516755104},{"text":"If you had to sell that or were to sell that, what would you want for it?","start":291.585,"end":294.865,"sentiment":"neutral","sentiment_score":-0.08760697065907366},{"text":"What value is it to you?","start":294.865,"end":296.28,"sentiment":"neutral","sentiment_score":-0.054242320358753204},{"text":"80,000?","start":298.76,"end":299.42,"sentiment":"neutral","sentiment_score":-0.0004917792975902557}],"sentiment":"neutral","sentiment_score":-0.08157470022086744,"num_words":27,"start":287.025,"end":299.42},{"sentences":[{"text":"Yep.","start":299.48,"end":299.88,"sentiment":"neutral","sentiment_score":0.0912371426820755},{"text":"Beautiful.","start":299.88,"end":300.38,"sentiment":"positive","sentiment_score":0.3618306517601013},{"text":"Excellent.","start":300.6,"end":301.1,"sentiment":"neutral","sentiment_score":0.25377169251441956},{"text":"And do you have any debts on the caravan that's owned outright?","start":301.4,"end":304.22,"sentiment":"neutral","sentiment_score":-0.012554595246911049},{"text":"Yep.","start":306.52,"end":306.91998,"sentiment":"neutral","sentiment_score":0.08317305147647858}],"sentiment":"neutral","sentiment_score":0.0399598372168839,"num_words":16,"start":299.48,"end":306.91998},{"sentences":[{"text":"Fantastic.","start":306.91998,"end":307.41998,"sentiment":"positive","sentiment_score":0.4920506477355957},{"text":"And I also had here vehicles, plural, so I believe it might be two, a combined value of 55,000 last time we sort of caught up.","start":308.52,"end":316.965,"sentiment":"neutral","sentiment_score":0.062377885986979194},{"text":"Would you alter the values on the vehicles there at all?","start":316.965,"end":320.025,"sentiment":"neutral","sentiment_score":-0.008373461663722992},{"text":"Okay.","start":325.54,"end":325.86002,"sentiment":"neutral","sentiment_score":0.05772147327661514},{"text":"Beautiful.","start":325.86002,"end":326.26,"sentiment":"neutral","sentiment_score":0.2553365230560303}],"sentiment":"neutral","sentiment_score":0.05837064003571868,"num_words":40,"start":306.91998,"end":326.26},{"sentences":[{"text":"What kind of vehicle is it?","start":326.26,"end":327.64,"sentiment":"neutral","sentiment_score":0.046670155599713326},{"text":"Ford Ranger.","start":329.78,"end":330.6,"sentiment":"neutral","sentiment_score":0.01906606461852789},{"text":"Beautiful.","start":330.74,"end":331.24,"sentiment":"neutral","sentiment_score":0.3032647371292114},{"text":"Okay.","start":337.07498,"end":337.47498,"sentiment":"neutral","sentiment_score":0.0874766856431961},{"text":"Fantastic.","start":337.47498,"end":337.97498,"sentiment":"neutral","sentiment_score":0.25484639406204224}],"sentiment":"neutral","sentiment_score":0.08761280724270777,"num_words":11,"start":326.26,"end":337.97498},{"sentences":[{"text":"And what's that 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towing.","start":356.13,"end":357.81,"sentiment":"neutral","sentiment_score":0.21044432289070553},{"text":"Is that right?","start":357.81,"end":358.63,"sentiment":"neutral","sentiment_score":0.09742763141791026},{"text":"Fantastic.","start":363.185,"end":363.685,"sentiment":"positive","sentiment_score":0.6461933851242065}],"sentiment":"neutral","sentiment_score":0.20978623802463214,"num_words":15,"start":354.37,"end":363.685},{"sentences":[{"text":"Nice.","start":364.54498,"end":365.04498,"sentiment":"positive","sentiment_score":0.6001137495040894},{"text":"Excellent.","start":367.10498,"end":367.60498,"sentiment":"positive","sentiment_score":0.4978313148021698},{"text":"And with that newer vehicle, do you have any debt selling on that one?","start":368.06497,"end":371.10498,"sentiment":"neutral","sentiment_score":0.04250627077583756},{"text":"Did you buy it out right?","start":371.10498,"end":372.405,"sentiment":"neutral","sentiment_score":-0.00815371780966719},{"text":"Bought it out right.","start":374.76,"end":375.72,"sentiment":"neutral","sentiment_score":0.010530054569244385}],"sentiment":"neutral","sentiment_score":0.06485502948411383,"num_words":26,"start":364.54498,"end":375.72},{"sentences":[{"text":"Fantastic.","start":375.72,"end":376.22,"sentiment":"positive","sentiment_score":0.38492339849472046},{"text":"I also had it down here.","start":377.24002,"end":378.78,"sentiment":"neutral","sentiment_score":0.10749405746658643},{"text":"It might be a while ago now that there was a settlement on a home.","start":379.72,"end":382.92,"sentiment":"neutral","sentiment_score":0.01027745393415292},{"text":"Have you purchased a property, or do you have an investment property or main primary residence that you own?","start":382.92,"end":388.46,"sentiment":"neutral","sentiment_score":-0.00617019479212008},{"text":"No.","start":390.415,"end":390.89502,"sentiment":"neutral","sentiment_score":-0.1781114935874939}],"sentiment":"neutral","sentiment_score":0.021159627563541845,"num_words":42,"start":375.72,"end":390.89502},{"sentences":[{"text":"No.","start":390.89502,"end":391.21503,"sentiment":"neutral","sentiment_score":-0.2126842141151428},{"text":"That's okay.","start":391.21503,"end":392.17502,"sentiment":"neutral","sentiment_score":-0.20317920297384262},{"text":"So that one doesn't exist.","start":392.17502,"end":393.635,"sentiment":"neutral","sentiment_score":-0.18848687410354614},{"text":"Easy.","start":393.695,"end":394.195,"sentiment":"neutral","sentiment_score":-0.01191035844385624},{"text":"And I did have it down here that you had some cash in the bank around about 48,000.","start":394.415,"end":398.49503,"sentiment":"neutral","sentiment_score":-0.008648615020016829}],"sentiment":"neutral","sentiment_score":-0.06403934886610066,"num_words":27,"start":390.89502,"end":398.49503},{"sentences":[{"text":"Do you still have any cash sitting in the bank at all?","start":398.49503,"end":401.13,"sentiment":"neutral","sentiment_score":-0.05592716702570518},{"text":"Nope.","start":402.97,"end":403.29,"sentiment":"neutral","sentiment_score":-0.15347473323345184},{"text":"That's okay.","start":403.29,"end":404.17,"sentiment":"neutral","sentiment_score":-0.00454101897776127},{"text":"That's okay.","start":404.17,"end":404.99,"sentiment":"neutral","sentiment_score":0.026429275050759315},{"text":"Sort of with the with the investment side of things, you've got the crypto and the investment there as well.","start":406.09,"end":411.93,"sentiment":"neutral","sentiment_score":0.011020751670002937}],"sentiment":"neutral","sentiment_score":-0.015146194378266463,"num_words":37,"start":398.49503,"end":411.93},{"sentences":[{"text":"But are you hoping to sort of invest in property, or are you sort of just focusing on these investments that you do have in growing them?","start":411.93,"end":418.255,"sentiment":"neutral","sentiment_score":0.00004657282045593968},{"text":"Yep.","start":423.835,"end":424.335,"sentiment":"neutral","sentiment_score":-0.01987481117248535},{"text":"Nice.","start":432.17,"end":432.41,"sentiment":"neutral","sentiment_score":0.12229900062084198},{"text":"Yeah.","start":432.41,"end":432.91,"sentiment":"neutral","sentiment_score":0.04680553078651428},{"text":"Absolutely.","start":433.13,"end":433.63,"sentiment":"neutral","sentiment_score":0.0800185352563858}],"sentiment":"neutral","sentiment_score":0.007435668440115067,"num_words":31,"start":411.93,"end":433.63},{"sentences":[{"text":"And I mean, if you don't like where you're at at your neighbors, you can pack up and go somewhere else.","start":434.17,"end":438.19,"sentiment":"neutral","sentiment_score":-0.10025879740715027},{"text":"No.","start":441.055,"end":441.295,"sentiment":"neutral","sentiment_score":0.06805240362882614},{"text":"That's absolutely fantastic.","start":441.295,"end":442.67502,"sentiment":"positive","sentiment_score":0.39356791973114014},{"text":"Just double checking your circumstances.","start":443.775,"end":445.39502,"sentiment":"neutral","sentiment_score":0.29382005929946897},{"text":"I have it down here that you're married and that you had two financial dependents at home, so two kids.","start":445.61502,"end":450.255,"sentiment":"neutral","sentiment_score":0.05438766852021217}],"sentiment":"neutral","sentiment_score":0.03400350168347359,"num_words":50,"start":434.17,"end":450.255},{"sentences":[{"text":"Is that still correct?","start":450.255,"end":451.475,"sentiment":"neutral","sentiment_score":0.04861551383510232},{"text":"Yep.","start":453.74002,"end":454.24002,"sentiment":"neutral","sentiment_score":0.034390829503536224},{"text":"Oh, congratulations.","start":456.7,"end":457.6,"sentiment":"neutral","sentiment_score":0.2360364943742752},{"text":"That's fantastic.","start":458.14,"end":458.96002,"sentiment":"positive","sentiment_score":0.38773366063833237},{"text":"Yeah.","start":462.7,"end":463.02002,"sentiment":"neutral","sentiment_score":0.16027221083641052}],"sentiment":"neutral","sentiment_score":0.16366654057055713,"num_words":10,"start":450.255,"end":463.02002},{"sentences":[{"text":"And how's how's that going?","start":463.02002,"end":465.04,"sentiment":"neutral","sentiment_score":0.13346848338842393},{"text":"Yes.","start":469.865,"end":470.365,"sentiment":"neutral","sentiment_score":0.09620045870542526},{"text":"Oh, fantastic.","start":473.305,"end":474.205,"sentiment":"positive","sentiment_score":0.36510853469371796},{"text":"Fantastic.","start":474.745,"end":475.245,"sentiment":"positive","sentiment_score":0.3941989243030548},{"text":"And your wife is Alice, and I've got her down as your next of 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not.","start":483.93997,"end":490.25998,"sentiment":"neutral","sentiment_score":-0.007226860652176233}],"sentiment":"neutral","sentiment_score":0.006489755442509284,"num_words":39,"start":479.145,"end":490.25998},{"sentences":[{"text":"So it's always worth double checking that one.","start":490.25998,"end":492.91998,"sentiment":"neutral","sentiment_score":0.026175201404839754},{"text":"She's a good egg, it sounds like.","start":495.36502,"end":497.14502,"sentiment":"neutral","sentiment_score":0.08279439487627574},{"text":"Fantastic.","start":499.20502,"end":499.70502,"sentiment":"positive","sentiment_score":0.33388227224349976},{"text":"Employment wise, any changes or pay increases in your role?","start":500.565,"end":504.80502,"sentiment":"neutral","sentiment_score":0.10163759291172028},{"text":"How's everything going at work?","start":504.80502,"end":506.34,"sentiment":"neutral","sentiment_score":0.06331748962402343}],"sentiment":"neutral","sentiment_score":0.07921961370495058,"num_words":31,"start":490.25998,"end":506.34},{"sentences":[{"text":"Yep.","start":511.06,"end":511.56,"sentiment":"neutral","sentiment_score":0.08014396578073502},{"text":"Oh, fantastic.","start":514.82,"end":515.8,"sentiment":"positive","sentiment_score":0.3620576560497284},{"text":"Oh, lovely.","start":516.66,"end":517.4,"sentiment":"positive","sentiment_score":0.5900163948535919},{"text":"Excellent.","start":521.315,"end":521.815,"sentiment":"positive","sentiment_score":0.7513116598129272},{"text":"Excellent.","start":522.115,"end":522.615,"sentiment":"positive","sentiment_score":0.6823992729187012}],"sentiment":"positive","sentiment_score":0.4882861429027149,"num_words":7,"start":511.06,"end":522.615},{"sentences":[{"text":"160,000 per annum.","start":523.235,"end":525.475,"sentiment":"positive","sentiment_score":0.37528832753499347},{"text":"Beautiful.","start":525.475,"end":525.975,"sentiment":"positive","sentiment_score":0.5293439626693726},{"text":"Are you it looks like you're not making any additional contributions to soup at the moment.","start":527.07495,"end":531.02997,"sentiment":"neutral","sentiment_score":-0.036824484122917056},{"text":"Are you interested in making any additional contributions over and above your employer, or are you preferring to put all of that extra money into your investment status status for the Build the Welfare?","start":531.02997,"end":540.33,"sentiment":"neutral","sentiment_score":-0.007997449103961973},{"text":"Yeah.","start":542.39,"end":542.89,"sentiment":"neutral","sentiment_score":0.02269856818020344}],"sentiment":"neutral","sentiment_score":0.014850954508239573,"num_words":55,"start":523.235,"end":542.89},{"sentences":[{"text":"Absolutely.","start":543.02997,"end":543.52997,"sentiment":"neutral","sentiment_score":0.09097947180271149},{"text":"No.","start":600.765,"end":601.005,"sentiment":"neutral","sentiment_score":-0.007740011438727379},{"text":"That's okay.","start":601.005,"end":601.805,"sentiment":"neutral","sentiment_score":0.028133113868534565},{"text":"Not a problem at all.","start":601.805,"end":603.185,"sentiment":"neutral","sentiment_score":0.11282304376363754},{"text":"All good.","start":605.02,"end":605.74,"sentiment":"positive","sentiment_score":0.3443145453929901}],"sentiment":"neutral","sentiment_score":0.12656818160956557,"num_words":11,"start":543.02997,"end":605.74},{"sentences":[{"text":"So just sort of where we left off, just sort of talking about additional contributions, are you open to making additional contributions to super, or are you preferring to put all your extra cash into the investments outside of super to build that wealth side of things?","start":605.74,"end":618.8,"sentiment":"neutral","sentiment_score":0.0198586591658123},{"text":"Yep.","start":622.72504,"end":622.965,"sentiment":"neutral","sentiment_score":-0.031276799738407135},{"text":"That's okay.","start":622.965,"end":623.78503,"sentiment":"neutral","sentiment_score":-0.013877605553716421},{"text":"Well, I certainly hope I certainly hope you do make 60.","start":626.405,"end":631.705,"sentiment":"neutral","sentiment_score":0.02232688902453943},{"text":"Oh, good.","start":632.405,"end":633.145,"sentiment":"neutral","sentiment_score":0.26097096502780914}],"sentiment":"neutral","sentiment_score":0.026061312369410953,"num_words":63,"start":605.74,"end":633.145},{"sentences":[{"text":"That's not a problem at all.","start":634.23,"end":635.75,"sentiment":"neutral","sentiment_score":0.2755153874556224},{"text":"And I can see your employer's making those regular contributions in, which is fantastic to see.","start":635.75,"end":640.33,"sentiment":"positive","sentiment_score":0.4116938039660454},{"text":"To give you, sorry, a bit of an update on your state today, Corey.","start":640.39,"end":643.59,"sentiment":"neutral","sentiment_score":0.05658308256949697},{"text":"So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry.","start":643.59,"end":653.91504,"sentiment":"neutral","sentiment_score":0.052067420697615795},{"text":"My documents are just uploading updating at the moment there.","start":653.91504,"end":658.23505,"sentiment":"neutral","sentiment_score":-0.015173302218317985}],"sentiment":"neutral","sentiment_score":0.14471773455318596,"num_words":70,"start":634.23,"end":658.23505},{"sentences":[{"text":"So the balance of your sleep that we have at the moment, it is up to 97,582.","start":658.23505,"end":664.53,"sentiment":"neutral","sentiment_score":0.07220538201577523},{"text":"So as a net return, even with what's been going on, you've made about a 8.56% return net of fees, which is good to see.","start":664.53,"end":672.39,"sentiment":"neutral","sentiment_score":0.23724187403917313},{"text":"Yeah.","start":674.465,"end":674.965,"sentiment":"neutral","sentiment_score":0.14132320880889893},{"text":"Yeah.","start":675.025,"end":675.505,"sentiment":"neutral","sentiment_score":0.14931532740592957},{"text":"So one of the things we do I can look at with you, Super, is just making sure that you are invested correctly.","start":675.505,"end":679.925,"sentiment":"neutral","sentiment_score":0.15542470890542734}],"sentiment":"neutral","sentiment_score":0.16453649531771888,"num_words":67,"start":658.23505,"end":679.925},{"sentences":[{"text":"And so I did sorta have a bit of a look at how your investments have been performing there.","start":680.385,"end":684.72,"sentiment":"neutral","sentiment_score":0.0988716316458426},{"text":"Realistically, all of them have been performing really well, even with what's been happening globally, and you've probably heard about what's been happening in the news between, The US and Iran and now high interest rates here and everything occurring, which does affect markets on a on a global scale there.","start":684.87994,"end":700.01996,"sentiment":"neutral","sentiment_score":0.12618796841478816},{"text":"As I kinda mentioned, everything has been performing quite well.","start":700.995,"end":703.875,"sentiment":"neutral","sentiment_score":0.2575350448489189},{"text":"We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio.","start":703.875,"end":711.25494,"sentiment":"negative","sentiment_score":-0.43586709016355973},{"text":"You said you don't really look at your super very often.","start":712.675,"end":715.415,"sentiment":"neutral","sentiment_score":-0.21910001066598025}],"sentiment":"neutral","sentiment_score":-0.03467289910962184,"num_words":120,"start":680.385,"end":715.415},{"sentences":[{"text":"Is that right?","start":715.79004,"end":716.69,"sentiment":"neutral","sentiment_score":-0.05538945520917574},{"text":"Yeah.","start":718.91003,"end":719.41003,"sentiment":"neutral","sentiment_score":0.032185375690460205},{"text":"Yeah.","start":725.63,"end":725.88,"sentiment":"neutral","sentiment_score":0.003262722864747047},{"text":"No.","start":725.88,"end":726.38,"sentiment":"neutral","sentiment_score":-0.0961918905377388},{"text":"Yep.","start":731.485,"end":731.985,"sentiment":"neutral","sentiment_score":0.019400957971811295}],"sentiment":"neutral","sentiment_score":-0.029644457091178213,"num_words":7,"start":715.79004,"end":731.985},{"sentences":[{"text":"No.","start":732.125,"end":732.44495,"sentiment":"neutral","sentiment_score":-0.16388839483261108},{"text":"Perfect.","start":732.44495,"end":732.94495,"sentiment":"neutral","sentiment_score":-0.01127643883228302},{"text":"Yeah.","start":735.165,"end":735.485,"sentiment":"neutral","sentiment_score":0.1562376320362091},{"text":"That's okay.","start":735.485,"end":736.045,"sentiment":"neutral","sentiment_score":0.26142145693302155},{"text":"It's not a problem at all.","start":736.045,"end":737.005,"sentiment":"neutral","sentiment_score":0.3013877272605896}],"sentiment":"neutral","sentiment_score":0.2102038250728087,"num_words":11,"start":732.125,"end":737.005},{"sentences":[{"text":"Look.","start":737.005,"end":737.245,"sentiment":"neutral","sentiment_score":0.2626282572746277},{"text":"You should never put all your eggs in one basket, and super is just one aspect of building wealth and and looking at retirement.","start":737.245,"end":742.94,"sentiment":"neutral","sentiment_score":0.271748885512352},{"text":"Having investments outside of super is just as important.","start":743.0,"end":746.06,"sentiment":"neutral","sentiment_score":0.26912321315871346},{"text":"Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well.","start":746.36005,"end":756.46,"sentiment":"neutral","sentiment_score":0.30697940703895354},{"text":"With your investments, you had originally been recommended the Benelon Australian Equities.","start":757.565,"end":762.60504,"sentiment":"neutral","sentiment_score":0.07891124424835046}],"sentiment":"neutral","sentiment_score":0.2585963903949028,"num_words":82,"start":737.005,"end":762.60504},{"sentences":[{"text":"The Benelon is an active investment manager.","start":762.60504,"end":764.86505,"sentiment":"neutral","sentiment_score":0.08868504102740969},{"text":"Their job will they're supposed to be outperforming against the market or the industries that they're tracking, but they haven't been able to do so.","start":765.48505,"end":771.87,"sentiment":"neutral","sentiment_score":0.028048861119896174},{"text":"So one of the underlying investments has had some legal troubles there.","start":771.87,"end":775.49,"sentiment":"neutral","sentiment_score":-0.26184068744381267},{"text":"I sort of had a bit of look at your portfolio.","start":775.79004,"end":777.81,"sentiment":"neutral","sentiment_score":-0.06675708395513621},{"text":"They are down a little bit at the moment, but your other Australian exposure is up.","start":777.87,"end":782.27,"sentiment":"neutral","sentiment_score":-0.1888850354589522}],"sentiment":"neutral","sentiment_score":-0.07854309753501709,"num_words":71,"start":762.60504,"end":782.27},{"sentences":[{"text":"So it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment.","start":782.27,"end":789.71497,"sentiment":"neutral","sentiment_score":-0.12399524564926441},{"text":"So I would like to maybe look at removing that out of the portfolio, swapping it for something else.","start":790.33496,"end":795.15497,"sentiment":"neutral","sentiment_score":-0.1071905548635282},{"text":"Because it is down at the moment, it does mean that we are cementing the loss to that investment.","start":795.375,"end":800.035,"sentiment":"neutral","sentiment_score":-0.33149822370002147},{"text":"But because we can also go back and just review the investment portfolio as a whole, maybe do a bit of rebalance there.","start":800.65497,"end":807.0,"sentiment":"neutral","sentiment_score":-0.0013691324578679125},{"text":"Cementing the loss at the moment is a bad thing.","start":807.0,"end":809.08,"sentiment":"negative","sentiment_score":-0.5604398161172867}],"sentiment":"neutral","sentiment_score":-0.1772665091473417,"num_words":97,"start":782.27,"end":809.08},{"sentences":[{"text":"We can utilize that loss to offer any additional gains that the other investments may have made.","start":809.08,"end":814.22,"sentiment":"neutral","sentiment_score":-0.030866675078868866},{"text":"I just wanted to sort of find out a bit more about what you would like to see invested with your super debt.","start":815.08,"end":820.01495,"sentiment":"neutral","sentiment_score":0.07757927736510402},{"text":"So as I kinda mentioned, the Better Long is more of an actively managed fund.","start":820.01495,"end":824.355,"sentiment":"neutral","sentiment_score":0.0882021648188432},{"text":"I could, if you like, look at replacing that with a different actively managed fund, or I could look at an investment that's a bit more lower cost, maybe provides a greater diversification, and it's more passively managed.","start":824.975,"end":836.78,"sentiment":"neutral","sentiment_score":0.10422800187217562},{"text":"Did you want me to sort of look at either one of those?","start":837.24,"end":839.48004,"sentiment":"neutral","sentiment_score":0.06026569868509586}],"sentiment":"neutral","sentiment_score":0.06912019367347348,"num_words":106,"start":809.08,"end":839.48004},{"sentences":[{"text":"What's your preference there?","start":839.48004,"end":841.02,"sentiment":"neutral","sentiment_score":0.06919042486697435},{"text":"Yeah.","start":845.495,"end":845.81494,"sentiment":"neutral","sentiment_score":0.25052472949028015},{"text":"That's okay.","start":845.81494,"end":846.375,"sentiment":"neutral","sentiment_score":0.3228454291820526},{"text":"I mean, realistically, with where you are, you are young.","start":846.375,"end":849.25494,"sentiment":"neutral","sentiment_score":0.24290342330932618},{"text":"You can benefit from from from some active management in your portfolio.","start":849.25494,"end":852.795,"sentiment":"positive","sentiment_score":0.34782109409570694}],"sentiment":"neutral","sentiment_score":0.2681332637780699,"num_words":29,"start":839.48004,"end":852.795},{"sentences":[{"text":"However, active managers don't always perform against the market.","start":852.935,"end":856.12,"sentiment":"neutral","sentiment_score":-0.037803015775150724},{"text":"They quite often don't.","start":856.12,"end":857.42,"sentiment":"neutral","sentiment_score":-0.09925186447799206},{"text":"The fact that they do on a regular basis is very rare.","start":857.96,"end":861.1,"sentiment":"neutral","sentiment_score":-0.0543301555638512},{"text":"In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification.","start":861.56,"end":867.935,"sentiment":"neutral","sentiment_score":0.24969513617132022},{"text":"Instead of having 15 underlying investments, you could have, you know, 200.","start":868.075,"end":872.015,"sentiment":"neutral","sentiment_score":0.2031078344831864}],"sentiment":"neutral","sentiment_score":0.1131847613180677,"num_words":60,"start":852.935,"end":872.015},{"sentences":[{"text":"So it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees.","start":872.475,"end":879.835,"sentiment":"positive","sentiment_score":0.3962020017206669},{"text":"Are you comfortable with me looking at that for you?","start":879.835,"end":882.335,"sentiment":"neutral","sentiment_score":0.23355559259653091},{"text":"Yeah.","start":884.05,"end":884.37,"sentiment":"positive","sentiment_score":0.3931495249271393},{"text":"Beautiful.","start":884.37,"end":884.85004,"sentiment":"neutral","sentiment_score":0.017927424982190132},{"text":"I do also go back and have a look at how they have performed over the past as well, making sure we have greater past performance to make sure putting that in there does give you access to potential greater future performance as well, but also making sure that we understand the CGT effect in your super fund.","start":884.85004,"end":901.005,"sentiment":"neutral","sentiment_score":0.19450962569179206}],"sentiment":"neutral","sentiment_score":0.25039403412015515,"num_words":94,"start":872.475,"end":901.005},{"sentences":[{"text":"Because like you do a tax return every year, your super fund also does a tax return.","start":901.005,"end":905.505,"sentiment":"neutral","sentiment_score":0.14831132704720779},{"text":"So just making sure that we, you know, can mitigate whatever CGT costs that your super fund needs to pay.","start":905.565,"end":911.86005,"sentiment":"neutral","sentiment_score":0.18461031895130872},{"text":"And I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected.","start":912.32,"end":923.06,"sentiment":"neutral","sentiment_score":0.10772276297211647},{"text":"Does that sound okay?","start":923.12006,"end":924.26,"sentiment":"neutral","sentiment_score":0.10854367539286613},{"text":"Yeah.","start":926.075,"end":926.395,"sentiment":"positive","sentiment_score":0.365675836801529}],"sentiment":"neutral","sentiment_score":0.13845107695202769,"num_words":81,"start":901.005,"end":926.395},{"sentences":[{"text":"Beautiful.","start":926.395,"end":926.795,"sentiment":"positive","sentiment_score":0.5820874571800232},{"text":"Did you have, like, further questions for me to kinda break anything down further for you, or is that all okay?","start":926.795,"end":931.935,"sentiment":"neutral","sentiment_score":0.11452218127392587},{"text":"Yep.","start":935.915,"end":936.415,"sentiment":"neutral","sentiment_score":0.2161116898059845},{"text":"That's okay.","start":936.635,"end":937.435,"sentiment":"neutral","sentiment_score":0.32135970890522003},{"text":"All good.","start":937.435,"end":937.915,"sentiment":"positive","sentiment_score":0.4261060059070587}],"sentiment":"neutral","sentiment_score":0.1740035697541855,"num_words":27,"start":926.395,"end":937.915},{"sentences":[{"text":"Well, I'll go back and have a bit of a look there for you.","start":937.915,"end":940.415,"sentiment":"neutral","sentiment_score":0.14121445002300398},{"text":"Now I also just wanted to run through a really quick risk profile just sort of making sure that you are invested correctly.","start":940.61005,"end":946.07,"sentiment":"neutral","sentiment_score":0.07952610727237619},{"text":"You do have you you are more of that growth environment, which sort of sees a 8% in growth at investment and 20% defensive investment.","start":947.01,"end":955.415,"sentiment":"neutral","sentiment_score":0.11853775799274445},{"text":"So looking at greater diversification, holding some low risk investment as well as the higher risk areas to kind of obtain future growth.","start":955.415,"end":963.035,"sentiment":"neutral","sentiment_score":0.13410500987716342},{"text":"Having a look, I'm just updating some of these questions that you did answer last time.","start":964.695,"end":968.34,"sentiment":"neutral","sentiment_score":0.07878342922776937}],"sentiment":"neutral","sentiment_score":0.11004452289331078,"num_words":101,"start":937.915,"end":968.34},{"sentences":[{"text":"You do have individual shares in crypto in your portfolio outside of super, so you are pretty well versed in how investments work there.","start":968.34,"end":975.3,"sentiment":"neutral","sentiment_score":0.10487025293211143},{"text":"So I'm just gonna tick the box to say that you pretty well have a good understanding.","start":975.3,"end":979.64,"sentiment":"neutral","sentiment_score":0.1540860165567959},{"text":"When it comes to the time horizon, because you are still very young, can't really access supers at the age of 60.","start":980.625,"end":986.625,"sentiment":"neutral","sentiment_score":0.0027750633148984475},{"text":"I'm ticking off the boxes because you have greater than ten years ahead of you there.","start":986.625,"end":990.645,"sentiment":"neutral","sentiment_score":0.07835188088938594},{"text":"You sort of also mentioned to me that you don't is sort of a a backup area.","start":991.265,"end":996.18,"sentiment":"neutral","sentiment_score":-0.008591660681892844}],"sentiment":"neutral","sentiment_score":0.06567678757710382,"num_words":96,"start":968.34,"end":996.18},{"sentences":[{"text":"You know, you see what happens and how far you get and, you know, what you've got when you get to that point there.","start":996.18,"end":1001.62,"sentiment":"neutral","sentiment_score":-0.001139157994960745},{"text":"It's not kind of your main priority at the moment, but how do drops in the market kinda make you feel if you saw, you know, a 10 or 20% drop over the next one, two, or three years?","start":1001.62,"end":1011.765,"sentiment":"neutral","sentiment_score":-0.07629795802327302},{"text":"Do you think you're looking at that as the an investment opportunity?","start":1011.765,"end":1015.305,"sentiment":"neutral","sentiment_score":-0.046428181851903595},{"text":"Are you feeling a bit concerned?","start":1015.605,"end":1017.225,"sentiment":"neutral","sentiment_score":-0.06443080802758534},{"text":"How do you sort of feel or see those market reactions?","start":1017.445,"end":1021.225,"sentiment":"neutral","sentiment_score":-0.06498790803280743}],"sentiment":"neutral","sentiment_score":-0.050669023625390684,"num_words":92,"start":996.18,"end":1021.225},{"sentences":[{"text":"Yep.","start":1024.7,"end":1025.18,"sentiment":"neutral","sentiment_score":0.1832554191350937},{"text":"Beautiful.","start":1025.18,"end":1025.68,"sentiment":"positive","sentiment_score":0.49475252628326416},{"text":"Beautiful.","start":1026.06,"end":1026.56,"sentiment":"positive","sentiment_score":0.4771640598773956},{"text":"You know what?","start":1026.62,"end":1027.18,"sentiment":"neutral","sentiment_score":0.18964435160160065},{"text":"I don't get that answer very often, and I actually really like it.","start":1027.18,"end":1030.32,"sentiment":"neutral","sentiment_score":0.12830553318445498}],"sentiment":"neutral","sentiment_score":0.1785303679736037,"num_words":19,"start":1024.7,"end":1030.32},{"sentences":[{"text":"They always do.","start":1033.1,"end":1034.14,"sentiment":"neutral","sentiment_score":0.24679625034332275},{"text":"I absolutely completely understand.","start":1034.14,"end":1036.0,"sentiment":"positive","sentiment_score":0.3523721694946289},{"text":"That's fantastic.","start":1036.06,"end":1036.8,"sentiment":"positive","sentiment_score":0.6543046236038208},{"text":"So you wouldn't sort of be worried by yeah.","start":1037.535,"end":1041.4551,"sentiment":"neutral","sentiment_score":0.03863701886600918},{"text":"Absolutely.","start":1041.4551,"end":1041.9551,"sentiment":"neutral","sentiment_score":0.2405666708946228}],"sentiment":"neutral","sentiment_score":0.21298876404762268,"num_words":19,"start":1033.1,"end":1041.9551},{"sentences":[{"text":"Absolutely.","start":1042.655,"end":1043.155,"sentiment":"neutral","sentiment_score":0.18041330575942993},{"text":"And when I'm looking at the overall rate of return, you're trying to obtain the best rate of return you possibly can from the portfolio given market conditions.","start":1044.175,"end":1052.71,"sentiment":"neutral","sentiment_score":0.08580161883894886},{"text":"Is that about right?","start":1052.77,"end":1053.8099,"sentiment":"neutral","sentiment_score":0.033124273642897606},{"text":"Or Yep.","start":1053.8099,"end":1056.47,"sentiment":"neutral","sentiment_score":0.009885834529995918},{"text":"Yep.","start":1056.61,"end":1057.11,"sentiment":"neutral","sentiment_score":-0.041975006461143494}],"sentiment":"neutral","sentiment_score":0.07480978862278992,"num_words":36,"start":1042.655,"end":1057.11},{"sentences":[{"text":"Yeah.","start":1064.945,"end":1065.4249,"sentiment":"neutral","sentiment_score":0.0865684449672699},{"text":"Perfect.","start":1065.4249,"end":1065.9249,"sentiment":"neutral","sentiment_score":0.1721075177192688},{"text":"Perfect.","start":1066.145,"end":1066.645,"sentiment":"neutral","sentiment_score":0.21573927998542783},{"text":"The other thing to sort of think about is if you look at risk on on a scale of one to five with a growth portfolio, you're sort of in between that three to four mark.","start":1067.105,"end":1074.705,"sentiment":"neutral","sentiment_score":0.02199193959434827},{"text":"You're not taking the highest level of risk in the market, but you're also not taking the lowest amount of risk.","start":1074.705,"end":1079.9099,"sentiment":"neutral","sentiment_score":0.024262496935469762}],"sentiment":"neutral","sentiment_score":0.029593958395222823,"num_words":60,"start":1064.945,"end":1079.9099},{"sentences":[{"text":"You're obtaining good returns, sort of middle range there.","start":1079.9099,"end":1082.65,"sentiment":"neutral","sentiment_score":0.174555333952109},{"text":"Do you feel like that sort of fits your comfort level when you consider the risk versus reward sort of scenario?","start":1082.95,"end":1088.655,"sentiment":"neutral","sentiment_score":0.03865949641026202},{"text":"Do you feel like you would wanna take a bit more risk to get greater potential returns, or do you feel like that middle sort of ground is comfortable for you?","start":1088.655,"end":1095.875,"sentiment":"neutral","sentiment_score":-0.035640874937657385},{"text":"Yep.","start":1098.0951,"end":1098.5951,"sentiment":"neutral","sentiment_score":0.07366522401571274},{"text":"Okay.","start":1103.23,"end":1103.73,"sentiment":"neutral","sentiment_score":0.2110746055841446}],"sentiment":"neutral","sentiment_score":0.02480508153518987,"num_words":63,"start":1079.9099,"end":1103.73},{"sentences":[{"text":"Beautiful.","start":1107.71,"end":1108.19,"sentiment":"positive","sentiment_score":0.6592417359352112},{"text":"You have to look at you.","start":1108.19,"end":1109.07,"sentiment":"neutral","sentiment_score":0.0601850509022673},{"text":"Yeah.","start":1109.07,"end":1109.57,"sentiment":"neutral","sentiment_score":0.021393360570073128},{"text":"Yeah.","start":1115.085,"end":1115.585,"sentiment":"neutral","sentiment_score":0.02783917263150215},{"text":"Well, with the portfolio you have at the moment in, you have the opposite way around.","start":1115.645,"end":1119.965,"sentiment":"neutral","sentiment_score":0.0012649167329072952}],"sentiment":"neutral","sentiment_score":0.04359292969107628,"num_words":25,"start":1107.71,"end":1119.965},{"sentences":[{"text":"So 80% in those higher risk investments, so things like international Australian equities.","start":1119.965,"end":1125.345,"sentiment":"neutral","sentiment_score":0.02486944800386062},{"text":"We have also property and also commodities like gold and silver, and then the other 20% in those defensive lower risk investments like cash bonds and fixed interest.","start":1125.96,"end":1134.86,"sentiment":"neutral","sentiment_score":0.02851507726258465},{"text":"This sort of absolutely.","start":1135.4,"end":1138.555,"sentiment":"neutral","sentiment_score":0.04689130187034607},{"text":"And gold has done really well in your portfolio.","start":1138.775,"end":1141.115,"sentiment":"positive","sentiment_score":0.4923839569091797},{"text":"It's returned over 20% for the year.","start":1141.575,"end":1143.835,"sentiment":"neutral","sentiment_score":0.3286819968904768}],"sentiment":"neutral","sentiment_score":0.13182819320163766,"num_words":61,"start":1119.965,"end":1143.835},{"sentences":[{"text":"So it is it is doing very, very well, and it does work both ways.","start":1144.055,"end":1148.615,"sentiment":"positive","sentiment_score":0.4131116151809692},{"text":"The gold is technically a growth investment.","start":1148.615,"end":1150.715,"sentiment":"neutral","sentiment_score":0.14884726703166962},{"text":"However, it does have defensive principles and defensive it is defensive in nature at certain times in the in your responses.","start":1151.17,"end":1157.27,"sentiment":"neutral","sentiment_score":0.07151131110177153},{"text":"So it is really great to hold there, and I would not be wanting to remove that from your portfolio.","start":1157.89,"end":1162.15,"sentiment":"neutral","sentiment_score":0.23180211186408997},{"text":"I might just look at rebalancing it, just look at the risk level, maybe rebalance things a little bit so that we're compounding.","start":1162.85,"end":1168.785,"sentiment":"neutral","sentiment_score":0.13394257393868073}],"sentiment":"neutral","sentiment_score":0.19136121009238238,"num_words":86,"start":1144.055,"end":1168.785},{"sentences":[{"text":"And I'll come back and show you the advice documents, show you what I'm recommending we do, and what changes we make, and how that's gonna benefit you.","start":1169.645,"end":1176.845,"sentiment":"neutral","sentiment_score":0.3003260940313339},{"text":"Okay?","start":1176.845,"end":1177.345,"sentiment":"neutral","sentiment_score":0.20500198006629944},{"text":"All good.","start":1179.0,"end":1179.64,"sentiment":"positive","sentiment_score":0.4696558117866516},{"text":"So just with that growth portfolio, you have scored in that sort of growth range.","start":1179.64,"end":1183.9801,"sentiment":"neutral","sentiment_score":0.15443226099014282},{"text":"You are in that growth environment at the moment.","start":1184.3601,"end":1186.68,"sentiment":"neutral","sentiment_score":0.1535581640071339}],"sentiment":"neutral","sentiment_score":0.24094457504424183,"num_words":55,"start":1169.645,"end":1186.68},{"sentences":[{"text":"A growth portfolio normally suits someone who has at least six years before they accessing their sleep, but you've got more than triple that.","start":1186.68,"end":1192.865,"sentiment":"neutral","sentiment_score":0.10790622622395556},{"text":"So you've got plenty of time ahead of you before accessing your sleep at this time frame.","start":1192.865,"end":1196.645,"sentiment":"neutral","sentiment_score":0.12486413652625154},{"text":"With that growth environment, we're chasing about a seven to 9% annual compounded return.","start":1197.425,"end":1202.725,"sentiment":"neutral","sentiment_score":0.04781741356211049},{"text":"And the fact that you've got that 8% return there means you've hit that range for the year.","start":1203.1,"end":1207.1799,"sentiment":"neutral","sentiment_score":0.03754989895969629},{"text":"You're in the middle of that sort of expected rate of return.","start":1207.1799,"end":1210.0,"sentiment":"neutral","sentiment_score":-0.01973794090251128}],"sentiment":"neutral","sentiment_score":0.06848148741923711,"num_words":85,"start":1186.68,"end":1210.0},{"sentences":[{"text":"And the likelihood of a negative year is about one in every sort of five years with this sort of portfolio.","start":1210.5399,"end":1216.24,"sentiment":"neutral","sentiment_score":-0.1063851397484541},{"text":"Do you feel comfortable remaining in that sort of environment within Super?","start":1216.745,"end":1220.525,"sentiment":"neutral","sentiment_score":-0.044512877551217876},{"text":"Yep.","start":1224.425,"end":1224.905,"sentiment":"neutral","sentiment_score":0.21131110191345215},{"text":"Beautiful.","start":1224.905,"end":1225.385,"sentiment":"positive","sentiment_score":0.5348906517028809},{"text":"Beautiful.","start":1225.385,"end":1225.865,"sentiment":"positive","sentiment_score":0.4956584572792053}],"sentiment":"neutral","sentiment_score":-0.04239950706768367,"num_words":36,"start":1210.5399,"end":1225.865},{"sentences":[{"text":"Well, I'll double check your investments.","start":1225.865,"end":1227.5651,"sentiment":"neutral","sentiment_score":0.13048536951343218},{"text":"I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are.","start":1227.785,"end":1233.99,"sentiment":"neutral","sentiment_score":0.07887504665324321},{"text":"I'll look at removing the underlying then along that has been underperforming for you, and I'll show you what we'll replace it with, how that affects you, the cost involved, and then you can let me know what you wanna decide.","start":1233.99,"end":1245.11,"sentiment":"neutral","sentiment_score":0.05332724809101442},{"text":"Does that sound okay?","start":1245.11,"end":1246.25,"sentiment":"neutral","sentiment_score":0.08608228340744972},{"text":"Fantastic.","start":1251.645,"end":1252.125,"sentiment":"neutral","sentiment_score":0.28216415643692017}],"sentiment":"neutral","sentiment_score":0.07239197297260547,"num_words":78,"start":1225.865,"end":1252.125},{"sentences":[{"text":"Oh, that's okay.","start":1252.125,"end":1253.265,"sentiment":"neutral","sentiment_score":0.11222807814677556},{"text":"The only other last thing I needed to double check was your insurances.","start":1253.325,"end":1256.225,"sentiment":"neutral","sentiment_score":0.01842722174926446},{"text":"You've got your life, your TBD.","start":1256.765,"end":1258.3049,"sentiment":"neutral","sentiment_score":0.029939079967637856},{"text":"It's the current sum insured is 1,400,000.","start":1259.165,"end":1262.2101,"sentiment":"neutral","sentiment_score":0.031149555795959065},{"text":"Are you happy with those?","start":1262.91,"end":1264.03,"sentiment":"neutral","sentiment_score":0.04794140458106995}],"sentiment":"neutral","sentiment_score":0.03569489736657809,"num_words":34,"start":1252.125,"end":1264.03},{"sentences":[{"text":"Did you wanna alter the insurances, the life, TPD, or income protection at all?","start":1264.03,"end":1268.2101,"sentiment":"neutral","sentiment_score":0.009745171842431384},{"text":"Yep.","start":1272.365,"end":1272.7649,"sentiment":"neutral","sentiment_score":0.15980622172355652},{"text":"That's okay.","start":1272.7649,"end":1273.485,"sentiment":"neutral","sentiment_score":0.1954999715089798},{"text":"Not a problem.","start":1273.485,"end":1274.205,"sentiment":"neutral","sentiment_score":0.1875815490881602},{"text":"And just with your beneficiary side of things, you're hoping to keep Alice as your beneficiary on your life and your super.","start":1274.205,"end":1280.365,"sentiment":"neutral","sentiment_score":0.1815333752469583}],"sentiment":"neutral","sentiment_score":0.12485041602935996,"num_words":42,"start":1264.03,"end":1280.365},{"sentences":[{"text":"Is that right?","start":1280.365,"end":1281.2649,"sentiment":"neutral","sentiment_score":0.13288156688213348},{"text":"Yep.","start":1282.9249,"end":1283.4249,"sentiment":"neutral","sentiment_score":0.20176100730895996},{"text":"Fantastic.","start":1283.485,"end":1283.985,"sentiment":"positive","sentiment_score":0.44331830739974976},{"text":"Not a problem at all.","start":1284.2849,"end":1285.47,"sentiment":"neutral","sentiment_score":0.28944507241249084},{"text":"Well, look, I will let you go.","start":1285.47,"end":1286.6699,"sentiment":"neutral","sentiment_score":0.19758380098002298}],"sentiment":"neutral","sentiment_score":0.2278844696633956,"num_words":17,"start":1280.365,"end":1286.6699},{"sentences":[{"text":"I've sent the annual review pack to you.","start":1286.6699,"end":1288.4299,"sentiment":"neutral","sentiment_score":0.21431775763630867},{"text":"It does have all those documents in there.","start":1288.4299,"end":1290.19,"sentiment":"neutral","sentiment_score":0.17131594941020012},{"text":"Have a look at them.","start":1290.19,"end":1290.83,"sentiment":"neutral","sentiment_score":0.17556093633174896},{"text":"If you have any questions or wanna review any of them, come back and let me know.","start":1290.83,"end":1295.01,"sentiment":"neutral","sentiment_score":0.18290571605457978},{"text":"I've also got the ongoing service agreement.","start":1295.79,"end":1298.19,"sentiment":"positive","sentiment_score":0.5294928124972752}],"sentiment":"neutral","sentiment_score":0.2395271377431022,"num_words":45,"start":1286.6699,"end":1298.19},{"sentences":[{"text":"So to remain on board and have us continue looking after your super, we just get you to return that back.","start":1298.19,"end":1303.225,"sentiment":"positive","sentiment_score":0.42450074070975896},{"text":"Our normal fee is 1.65%, but yours is reduced to 1.1 because we have yourself and our associates clients there.","start":1303.605,"end":1310.905,"sentiment":"neutral","sentiment_score":0.18402522355318068},{"text":"And I've also got the ongoing service, so the financial services guide for you to have a look at, which has a picture of me and all of my information in there for you in case you wanted to review that.","start":1312.245,"end":1321.5,"sentiment":"positive","sentiment_score":0.3568452026058988},{"text":"But I'll add a few more details in the email there.","start":1321.5,"end":1324.2201,"sentiment":"neutral","sentiment_score":0.16145268082618713},{"text":"Let me know if there's any questions, but I thank you so much for your time, Tory.","start":1324.2201,"end":1327.52,"sentiment":"positive","sentiment_score":0.5420690108748043}],"sentiment":"positive","sentiment_score":0.3474256909706376,"num_words":110,"start":1298.19,"end":1327.52},{"sentences":[{"text":"Yeah.","start":1331.3749,"end":1331.7749,"sentiment":"positive","sentiment_score":0.491031289100647},{"text":"You too.","start":1331.7749,"end":1332.4149,"sentiment":"positive","sentiment_score":0.4544381648302078},{"text":"Thank you.","start":1332.4149,"end":1333.0549,"sentiment":"positive","sentiment_score":0.5911587774753571},{"text":"See you later.","start":1333.0549,"end":1333.955,"sentiment":"positive","sentiment_score":0.4686256945133209},{"text":"Bye.","start":1334.575,"end":1335.075,"sentiment":"neutral","sentiment_score":0.2065451443195343}],"sentiment":"positive","sentiment_score":0.4660719335079193,"num_words":9,"start":1331.3749,"end":1335.075}]}}]},{"alternatives":[{"transcript":"Good morning. Hi. Good morning. Good. Not too bad. How are you, Trevor? Yeah. It's not too bad. It's probably the best time. I'll catch you up, though. Sorry. Stop speaking. Yep. Twenty twenty twenty third and third, Monte Monty. And I know a handyman there. Thank you. Sorry about that. Oh, busy. It's wet, but it's getting rained on and digging holes. Yeah. I know. Electrician. Thanks. What's that mean? No big. Yep. Yeah. Yeah. Yep. Yeah. Yes. So it does. No. No. I'm pretty good. This is pretty much set for get for me, so I don't really monitor it. It's just what it is. It works out. It works out. If it doesn't, it doesn't. So yep. Yeah. Probably around 50. I'm, yeah, I'm already I've been investing for a very long time, so I'm not sort of reliant on my superb. Around that I'm hoping to access it by 60. By 50, I pretty much wanna be set up myself. So Correct. About 360. Yeah. 60. Yeah. Yep. A 100 percent shares, stocks, dividends. Yeah. Spend. Spend. Yeah. Just like it depends on the risk portfolio, really. I'm in some low like, majority of my coins in low risk, high yields, and then I do invest in pretty pretty risky stuff with you more exes. Yep. Yes. I do. Well, I'm not sure. I've never I've never we live in it full time, so have a really bad value that we'll just keep living in it. I'll probably put $80, I'd sell it for. No. It's signed out right. Yeah. I've still got one, and it's insured for about 47. It's just a Ford Ranger. Ford Ranger. Yeah. And then I've just bought another one, and it'll be it's insured for 117. What's that? It's a Ford Ranger, but it's Super Duty. 117. It's decked out. Switches and cupboards and yeah. Big towing capacity on it, so it's good. No. I pulled it out. No. Not anymore. No. Not anymore. Spent at all. I I will. I will. I'm just waiting for a decline in the property market. So I'm I'm happy just chipping away on my car and paying 250 a week over getting both in an investment property, if you know what I mean. A 100%. Yeah. Still the same except by the end of the year, we're having a third. So she's halfway through. Thank you very much. Three in the caravan. Yay. Oh, they're they're good. They're very good. My two kids, they're a bit older now, so they can wipe their bum and feed themselves. It's all that matters, really. No. It's pretty good. Oh, no. She's Yes. Very good. Yeah. So I've just started because I traveled for a couple years, and I've just started as a project manager as an electrician in Dunsborough, WA. So and I'm on a hundred and sixty years. Hey. Can I just put you on hold for two seconds? Yep. Thank you. Yeah. Sorry about that. No. That's okay. I just put extra cash outside of super. Not too interested. I might not make 60, so it's better off for me to invest in myself. Yep. Sweet. That is good. Yeah. That's correct. I mean, you guys send through what you buy and purchase and sell and all that sort of stuff, but I'm not really relying on it. It's sort of like a fingers crossed thing that it goes good, and then I make 60 and then there's a good pool there. But I'm I'm sort of relying on myself on my own. Correct. Yep. Yep. Yep. I'm happy for you to do whatever you feel is comfortable. Yeah. 100%. Yeah. That sounds good. No. No. I'm I'm I'm pretty much happy with it anyway. Yep. Oh, no. I I see all the drops as opportunities. Definitely. They always rebound. Always. It's just the time horizon how many it takes. That's all. Yeah. Of course. I've seen markets dipping, and I believe it's it's gonna tank even further, and that's sort of my cue to have a look at pulling out of it. Yeah. Yep. No. I'm put I'm I'm I'm pretty much in middle market. I mean, when I purchase things and stuff like that, most of my portfolio is in low risk stuff because I'm I'm happy to keep it all and not see it all disappear. So that's probably more me. Yeah. I'd probably do, like, 80 in the low risk and play with 20% in the high risk place. Well, I don't mind holding gold and silver. That's for sure. It's it's pumping. Yes. A 100%. Yep. Yeah. That's that's that's the way I wanna be. Yep. Yeah. That sounds good. Hey. I'll hate to cut short, but I've got four blokes staring at me. Yep. Yep. Nah. They're all good. I I like I like that super face of that. 100%. Awesome. Done. Love it. Thank you very, very much. I hope you have an awesome day. See you. 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morning. Hi. Good morning. Good. Not too bad.\n\nHow are you, Trevor? Yeah. It's not too bad. It's probably the best time. I'll catch you up, though.\n\nSorry. Stop speaking. Yep. Twenty twenty twenty third and third, Monte Monty. And I know a handyman there.\n\nThank you. Sorry about that. Oh, busy. It's wet, but it's getting rained on and digging holes. Yeah.\n\nI know. Electrician. Thanks. What's that mean? No big.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nYes. So it does. No. No. I'm pretty good.\n\nThis is pretty much set for get for me, so I don't really monitor it. It's just what it is. It works out. It works out. If it doesn't, it doesn't.\n\nSo yep. Yeah. Probably around 50. I'm, yeah, I'm already I've been investing for a very long time, so I'm not sort of reliant on my superb. Around that I'm hoping to access it by 60.\n\nBy 50, I pretty much wanna be set up myself. So Correct. About 360. Yeah. 60.\n\nYeah. Yep. A 100 percent shares, stocks, dividends. Yeah. Spend.\n\nSpend. Yeah. Just like it depends on the risk portfolio, really. I'm in some low like, majority of my coins in low risk, high yields, and then I do invest in pretty pretty risky stuff with you more exes. Yep.\n\nYes. I do. Well, I'm not sure. I've never I've never we live in it full time, so have a really bad value that we'll just keep living in it. I'll probably put $80, I'd sell it for.\n\nNo. It's signed out right. Yeah. I've still got one, and it's insured for about 47. It's just a Ford Ranger.\n\nFord Ranger. Yeah. And then I've just bought another one, and it'll be it's insured for 117. What's that? It's a Ford Ranger, but it's Super Duty.\n\n117. It's decked out. Switches and cupboards and yeah. Big towing capacity on it, so it's good. No.\n\nI pulled it out. No. Not anymore. No. Not anymore.\n\nSpent at all. I I will. I will. I'm just waiting for a decline in the property market. So I'm I'm happy just chipping away on my car and paying 250 a week over getting both in an investment property, if you know what I mean.\n\nA 100%. Yeah. Still the same except by the end of the year, we're having a third. So she's halfway through. Thank you very much.\n\nThree in the caravan. Yay. Oh, they're they're good. They're very good. My two kids, they're a bit older now, so they can wipe their bum and feed themselves.\n\nIt's all that matters, really. No. It's pretty good. Oh, no. She's Yes.\n\nVery good. Yeah. So I've just started because I traveled for a couple years, and I've just started as a project manager as an electrician in Dunsborough, WA. So and I'm on a hundred and sixty years. Hey.\n\nCan I just put you on hold for two seconds? Yep. Thank you. Yeah. Sorry about that.\n\nNo. That's okay. I just put extra cash outside of super. Not too interested. I might not make 60, so it's better off for me to invest in myself.\n\nYep. Sweet. That is good. Yeah. That's correct.\n\nI mean, you guys send through what you buy and purchase and sell and all that sort of stuff, but I'm not really relying on it. It's sort of like a fingers crossed thing that it goes good, and then I make 60 and then there's a good pool there. But I'm I'm sort of relying on myself on my own. Correct. Yep.\n\nYep. Yep. I'm happy for you to do whatever you feel is comfortable. Yeah. 100%.\n\nYeah. That sounds good. No. No. I'm I'm I'm pretty much happy with it anyway.\n\nYep. Oh, no. I I see all the drops as opportunities. Definitely. They always rebound.\n\nAlways. It's just the time horizon how many it takes. That's all. Yeah. Of course.\n\nI've seen markets dipping, and I believe it's it's gonna tank even further, and that's sort of my cue to have a look at pulling out of it. Yeah. Yep. No. I'm put I'm I'm I'm pretty much in middle market.\n\nI mean, when I purchase things and stuff like that, most of my portfolio is in low risk stuff because I'm I'm happy to keep it all and not see it all disappear. So that's probably more me. Yeah. I'd probably do, like, 80 in the low risk and play with 20% in the high risk place. Well, I don't mind holding gold and silver.\n\nThat's for sure. It's it's pumping. Yes. A 100%. Yep.\n\nYeah. That's that's that's the way I wanna be. Yep. Yeah. That sounds good.\n\nHey. I'll hate to cut short, but I've got four blokes staring at me. Yep. Yep. Nah.\n\nThey're all good. I I like I like that super face of that. 100%. Awesome. Done.\n\nLove it. Thank you very, very much. I hope you have an awesome day. See you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.56,"end":1.38,"sentiment":"neutral","sentiment_score":0.271514855325222},{"text":"Hi.","start":2.56,"end":2.8,"sentiment":"neutral","sentiment_score":0.2337661236524582},{"text":"Good morning.","start":2.8,"end":3.3799999,"sentiment":"positive","sentiment_score":0.4659139961004257},{"text":"Good.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.4275978803634643},{"text":"Not too bad.","start":6.16,"end":6.64,"sentiment":"positive","sentiment_score":0.36340007185935974}],"sentiment":"positive","sentiment_score":0.35849132471614414,"num_words":9,"start":0.56,"end":6.64},{"sentences":[{"text":"How are you, Trevor?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.3273926004767418},{"text":"Yeah.","start":13.885,"end":14.205,"sentiment":"neutral","sentiment_score":0.2579234540462494},{"text":"It's not too 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it's gonna tank even further, and that's sort of my cue to have a look at pulling out of it.","start":1056.03,"end":1064.545,"sentiment":"neutral","sentiment_score":-0.0738630335711475},{"text":"Yeah.","start":1065.485,"end":1065.985,"sentiment":"neutral","sentiment_score":0.10835769772529602},{"text":"Yep.","start":1083.14,"end":1083.64,"sentiment":"neutral","sentiment_score":0.04842337593436241},{"text":"No.","start":1094.395,"end":1094.7151,"sentiment":"neutral","sentiment_score":-0.24512678384780884},{"text":"I'm put I'm I'm I'm pretty much in middle market.","start":1094.7151,"end":1097.375,"sentiment":"neutral","sentiment_score":0.0061888288706541065}],"sentiment":"neutral","sentiment_score":-0.051088350279847296,"num_words":41,"start":1056.03,"end":1097.375},{"sentences":[{"text":"I mean, when I purchase things and stuff like that, most of my portfolio is in low risk stuff because I'm I'm happy to keep it all and not see it all disappear.","start":1097.515,"end":1107.0099,"sentiment":"neutral","sentiment_score":0.2648177011446519},{"text":"So that's probably more me.","start":1107.71,"end":1109.5499,"sentiment":"neutral","sentiment_score":0.1008993424475193},{"text":"Yeah.","start":1109.5499,"end":1109.95,"sentiment":"neutral","sentiment_score":0.027748286724090576},{"text":"I'd probably do, like, 80 in the low risk and play with 20% in the high risk place.","start":1109.95,"end":1114.69,"sentiment":"neutral","sentiment_score":0.043033941752380796},{"text":"Well, I don't mind holding gold and silver.","start":1134.86,"end":1136.78,"sentiment":"neutral","sentiment_score":-0.022023581084795296}],"sentiment":"neutral","sentiment_score":0.15184079137845682,"num_words":65,"start":1097.515,"end":1136.78},{"sentences":[{"text":"That's for sure.","start":1136.78,"end":1137.76,"sentiment":"neutral","sentiment_score":0.08766641716162364},{"text":"It's it's pumping.","start":1141.74,"end":1144.7201,"sentiment":"positive","sentiment_score":0.3970649838447571},{"text":"Yes.","start":1156.265,"end":1156.665,"sentiment":"neutral","sentiment_score":0.03997110947966576},{"text":"A 100%.","start":1156.665,"end":1157.565,"sentiment":"neutral","sentiment_score":0.11490626633167267},{"text":"Yep.","start":1176.065,"end":1176.565,"sentiment":"neutral","sentiment_score":0.22416087985038757}],"sentiment":"neutral","sentiment_score":0.1948138725012541,"num_words":10,"start":1136.78,"end":1176.565},{"sentences":[{"text":"Yeah.","start":1221.13,"end":1221.61,"sentiment":"neutral","sentiment_score":0.052612997591495514},{"text":"That's that's that's the way I wanna be.","start":1221.61,"end":1224.03,"sentiment":"neutral","sentiment_score":0.14745729230344296},{"text":"Yep.","start":1239.1749,"end":1239.6749,"sentiment":"neutral","sentiment_score":0.05017467588186264},{"text":"Yeah.","start":1246.51,"end":1246.83,"sentiment":"neutral","sentiment_score":0.09905429184436798},{"text":"That sounds good.","start":1246.83,"end":1247.63,"sentiment":"neutral","sentiment_score":0.20278510451316833}],"sentiment":"neutral","sentiment_score":0.14213254409176962,"num_words":14,"start":1221.13,"end":1247.63},{"sentences":[{"text":"Hey.","start":1247.63,"end":1247.95,"sentiment":"neutral","sentiment_score":0.04182630404829979},{"text":"I'll hate to cut short, but I've got four blokes staring at me.","start":1247.95,"end":1251.65,"sentiment":"neutral","sentiment_score":-0.04331277946654994},{"text":"Yep.","start":1257.23,"end":1257.73,"sentiment":"neutral","sentiment_score":0.03947211429476738},{"text":"Yep.","start":1262.9651,"end":1263.4651,"sentiment":"neutral","sentiment_score":0.037710949778556824},{"text":"Nah.","start":1267.925,"end":1268.405,"sentiment":"neutral","sentiment_score":0.1015911102294922}],"sentiment":"neutral","sentiment_score":-0.020145038512590176,"num_words":17,"start":1247.63,"end":1268.405},{"sentences":[{"text":"They're all good.","start":1268.405,"end":1269.125,"sentiment":"neutral","sentiment_score":0.24657896161079407},{"text":"I I like I like that super face of that.","start":1269.125,"end":1271.865,"sentiment":"positive","sentiment_score":0.5430326581001281},{"text":"100%.","start":1281.4,"end":1282.2201,"sentiment":"neutral","sentiment_score":0.1496201902627945},{"text":"Awesome.","start":1295.585,"end":1296.085,"sentiment":"positive","sentiment_score":0.8590291738510132},{"text":"Done.","start":1310.16,"end":1310.66,"sentiment":"neutral","sentiment_score":0.21068570017814636}],"sentiment":"positive","sentiment_score":0.4618374081328511,"num_words":16,"start":1268.405,"end":1310.66},{"sentences":[{"text":"Love it.","start":1311.28,"end":1312.02,"sentiment":"positive","sentiment_score":0.7806940078735352},{"text":"Thank you very, very much.","start":1327.8448,"end":1329.3649,"sentiment":"positive","sentiment_score":0.8561577916145324},{"text":"I hope you have an awesome day.","start":1329.3649,"end":1331.065,"sentiment":"positive","sentiment_score":0.8352093781743731},{"text":"See you.","start":1334.1649,"end":1334.7249,"sentiment":"neutral","sentiment_score":0.3315414637327194},{"text":"Bye.","start":1334.7249,"end":1335.2249,"sentiment":"neutral","sentiment_score":-0.12083777040243147}],"sentiment":"positive","sentiment_score":0.719463986947256,"num_words":17,"start":1311.28,"end":1335.2249}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning.\n\nChannel 0: Hi, Corey.\n\nChannel 1: Hi.\n\nChannel 0: This\n\nChannel 1: Good\n\nChannel 0: is\n\nChannel 1: morning.\n\nChannel 0: Dana from Oakview Financial. How are you this morning?\n\nChannel 1: Good. Not too bad. How are you, Trevor?\n\nChannel 0: You're very well. Thank you. I had you booked in to go through and review today. Is now still a good time there for you?\n\nChannel 1: Yeah. It's not too bad. It's probably the best time.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: I'll\n\nChannel 0: Before\n\nChannel 1: catch you\n\nChannel 0: we\n\nChannel 1: up,\n\nChannel 0: jump\n\nChannel 1: though. Sorry.\n\nChannel 0: no.\n\nChannel 1: Stop\n\nChannel 0: No.\n\nChannel 1: speaking.\n\nChannel 0: You're all good. All good. Before we jump into the call there, Corey, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do security there for you as well, I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Twenty twenty twenty third and third, Monte Monty. And I know a handyman there.\n\nChannel 0: Yep. Fantastic. Thank you\n\nChannel 1: Thank\n\nChannel 0: so\n\nChannel 1: you.\n\nChannel 0: much\n\nChannel 1: Sorry\n\nChannel 0: for\n\nChannel 1: about\n\nChannel 0: that.\n\nChannel 1: that.\n\nChannel 0: How's your morning been so far?\n\nChannel 1: Oh, busy. It's wet, but\n\nChannel 0: Oh, really?\n\nChannel 1: it's\n\nChannel 0: Oh,\n\nChannel 1: getting rained on and digging holes.\n\nChannel 0: you poor thing. It's a shame you don't get the day off when it's wet.\n\nChannel 1: Yeah. I know. Electrician. Thanks. What's that mean?\n\nChannel 0: All good. Look. Normally, when we\n\nChannel 1: No\n\nChannel 0: send\n\nChannel 1: big.\n\nChannel 0: through go through your annual review, we do send through the annual review documents with you for\n\nChannel 1: Yep.\n\nChannel 0: you to go through with us. It sounds like you are probably working and maybe not really got access to your emails at the moment. Am I right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. Not a problem at all. What I will do is I will just send them through to your email there. That way, they are there and available for you after the call to have a look at it any time that suits yourself.\n\nIn the\n\nChannel 1: Yeah.\n\nChannel 0: meantime,\n\nChannel 1: Yep.\n\nChannel 0: I'll just go through, do your annual review, update all of your circumstances, give you an update on what sort of been going on with your super, and we'll sort of just assess if there's any new advice that needs to be provided. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Because you are at work, if you find that you need to stop or anything, just let me know. Alright?\n\nChannel 1: Yes. So it does.\n\nChannel 0: Easy. All good. Corey, as part of the review, we will go through and have a bit of a chat about what your sleep has been doing. But is there anything particular you had question wise or anything you wanted me to touch on with regard to your review or anything specific?\n\nChannel 1: No. No. I'm pretty good. This is pretty much set\n\nChannel 0: Yeah.\n\nChannel 1: for get for me, so I don't really monitor it. It's just what it is.\n\nChannel 0: Yeah.\n\nChannel 1: It works\n\nChannel 0: No.\n\nChannel 1: out. It\n\nChannel 0: That's\n\nChannel 1: works\n\nChannel 0: okay.\n\nChannel 1: out. If it doesn't, it doesn't. So\n\nChannel 0: Well, we definitely wanna make sure it works out for you. We are working towards your goals there.\n\nChannel 1: yep.\n\nChannel 0: I had done here that I I don't really have a sort of a goal age for when you're hoping to be able to access your super. Are you sort of tracking to try and access super the earliest possible age legislated, or is there a goal age that you were hoping to retire eventually?\n\nChannel 1: Yeah. Probably around 50.\n\nChannel 0: Perfect. So with the super and the legislation around super, you can't actually access it until the age of 60. If you are wanting to retire earlier, like maybe 50, we will have to look at other ways of building wealth outside of super. Did you wanna focus on down the track on building wealth outside of super to retire earlier, or do you think you'd be happy just accessing super 60?\n\nChannel 1: I'm, yeah, I'm already I've been investing for a very long time, so I'm not sort\n\nChannel 0: Yep.\n\nChannel 1: of reliant on my superb.\n\nChannel 0: Yep. That's okay. So you're hoping to access those investments around that 50 to give you a bit of\n\nChannel 1: Around\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: a buffer?\n\nChannel 1: I'm hoping to access it by 60. By 50, I pretty much wanna be set up myself. So\n\nChannel 0: Yeah. Beautiful. I can see here from one of your last ten year reviews, you have an investment portfolio with some crypto and some other companies in that you're invested in. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Yeah. Back then, your investment portfolio was valued or worth about 120,000. What's the values on that now?\n\nChannel 1: About 360.\n\nChannel 0: Oh, fantastic. It's done well.\n\nChannel 1: Yeah.\n\nChannel 0: And that's\n\nChannel 1: 60.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: crypto, yeah, that's in crypto as well as other sort of investments in companies, shares?\n\nChannel 1: Yep. A 100\n\nChannel 0: Yep.\n\nChannel 1: percent shares, stocks, dividends.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: Yeah. Spend.\n\nChannel 0: Fantastic.\n\nChannel 1: Spend.\n\nChannel 0: Are you in for the individual companies, or are you looking more ETFs and managed funds for those investments?\n\nChannel 1: Yeah. Just like it depends on the risk portfolio, really. I'm in some\n\nChannel 0: Yep.\n\nChannel 1: low like, majority of my coins in low risk,\n\nChannel 0: Okay.\n\nChannel 1: high yields,\n\nChannel 0: Perfect.\n\nChannel 1: and then\n\nChannel 0: Yeah.\n\nChannel 1: I do invest in pretty pretty risky stuff with you\n\nChannel 0: A\n\nChannel 1: more\n\nChannel 0: bit\n\nChannel 1: exes.\n\nChannel 0: like crypto. Yeah. That's okay. You gotta take a bit of risk to try and get those returns. Understandable.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Just looking at the other investments and other assets that you do have noted here, we also had it noted you had a caravan. Do you still have that caravan?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yeah. Fantastic. Our value on that one we had down was about 95,000. What sort of value is that to you at the moment?\n\nChannel 1: Well, I'm not sure. I've never I've never we live in it full time, so\n\nChannel 0: Okay.\n\nChannel 1: have a really bad value that we'll just keep living in it.\n\nChannel 0: That's okay. If you had to sell that or were to sell that, what would you want for it? What value is it to you?\n\nChannel 1: I'll probably put $80, I'd sell it for.\n\nChannel 0: 80,000? Yep. Beautiful. Excellent. And do you have any debts on the caravan that's owned outright?\n\nChannel 1: No. It's signed out right.\n\nChannel 0: Yep. Fantastic. And I also had here vehicles, plural, so I believe it might be two, a combined value of 55,000 last time we sort of caught up. Would you alter the values on the vehicles there at all?\n\nChannel 1: Yeah. I've still got one, and it's insured for about 47.\n\nChannel 0: Okay. Beautiful. What kind of vehicle is it?\n\nChannel 1: It's just a Ford Ranger.\n\nChannel 0: Ford Ranger.\n\nChannel 1: Ford Ranger.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. And then I've just bought another one, and it'll be it's insured for 117.\n\nChannel 0: Okay. Fantastic. And what's that\n\nChannel 1: What's\n\nChannel 0: vehicle?\n\nChannel 1: that? It's a Ford Ranger, but it's Super Duty.\n\nChannel 0: Okay. Beautiful. Lovely. And, sorry, what was the insured value on that one?\n\nChannel 1: 117.\n\nChannel 0: 117. Beautiful. And that one's all decked out for the towing. Is that right?\n\nChannel 1: It's decked out. Switches and cupboards and yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Big towing\n\nChannel 0: Nice.\n\nChannel 1: capacity on it, so it's good.\n\nChannel 0: Excellent. And with that newer vehicle, do you have any debt selling on that one? Did you buy it out right?\n\nChannel 1: No. I pulled it out.\n\nChannel 0: Bought it out right. Fantastic. I also had it down here. It might be a while ago now that there was a settlement on a home. Have you purchased a property, or do you have an investment property or main primary residence that you own?\n\nChannel 1: No. Not anymore.\n\nChannel 0: No. No. That's okay. So that one doesn't exist. Easy.\n\nAnd I did have it down here that you had some cash in the bank around about 48,000. Do you still have any cash sitting in the bank at all?\n\nChannel 1: No. Not anymore. Spent\n\nChannel 0: Nope.\n\nChannel 1: at all.\n\nChannel 0: That's okay. That's okay. Sort of with the with the investment side of things, you've got the crypto and the investment there as well. But are you hoping to sort of invest in property, or are you sort of just focusing on these investments that you do have in growing them?\n\nChannel 1: I I will. I will. I'm just waiting for a decline in the property market. So\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm happy just chipping away on my car and paying 250 a week over getting both in an investment property, if you know what\n\nChannel 0: Nice.\n\nChannel 1: I mean.\n\nChannel 0: Yeah. Absolutely. And I mean, if you don't like where you're at at your neighbors, you can pack up and go somewhere else.\n\nChannel 1: A 100%.\n\nChannel 0: No. That's absolutely fantastic. Just double checking your circumstances. I have it down here that you're married and that you had two financial dependents at home, so two kids. Is that still correct?\n\nChannel 1: Yeah. Still the same except by\n\nChannel 0: Yep.\n\nChannel 1: the end of the year, we're having a third. So\n\nChannel 0: Oh, congratulations.\n\nChannel 1: she's halfway\n\nChannel 0: That's\n\nChannel 1: through.\n\nChannel 0: fantastic.\n\nChannel 1: Thank you very much. Three in the caravan. Yay.\n\nChannel 0: Yeah. And how's how's that going?\n\nChannel 1: Oh, they're they're good. They're very good. My two kids, they're a bit older now, so they can\n\nChannel 0: Yes.\n\nChannel 1: wipe their bum and feed themselves. It's all that matters, really.\n\nChannel 0: Oh, fantastic. Fantastic. And your wife is Alice, and I've got her down as your next of kin. That's correct. No need to change any of that at all.\n\nChannel 1: No. It's\n\nChannel 0: No. Beautiful.\n\nChannel 1: pretty good.\n\nChannel 0: I know it sounds silly, but that's always worth just double checking because not everyone wants their status of next of kin, believe it or not. So it's always worth double checking that one.\n\nChannel 1: Oh, no. She's\n\nChannel 0: She's a good egg, it sounds like.\n\nChannel 1: Yes. Very good.\n\nChannel 0: Fantastic. Employment wise, any changes or pay increases in your role? How's everything going at work?\n\nChannel 1: Yeah. So I've just started because I traveled for a couple years, and I've\n\nChannel 0: Yep.\n\nChannel 1: just started as a project manager as an electrician in Dunsborough,\n\nChannel 0: Oh, fantastic.\n\nChannel 1: WA.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: lovely.\n\nChannel 1: and I'm on a hundred and sixty years.\n\nChannel 0: Excellent. Excellent. 160,000 per annum. Beautiful. Are you it looks like you're not making any additional contributions to soup at the moment.\n\nAre you interested in making any additional contributions over and above your employer, or are you preferring to put all of that extra money into your investment status status for the Build the Welfare?\n\nChannel 1: Hey. Can I just put you on hold for two seconds?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yep. Thank you. Yeah. Sorry about that.\n\nChannel 0: No. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: That's\n\nChannel 0: Not a problem at all. All good. So just sort of where we left off,\n\nChannel 1: okay.\n\nChannel 0: just sort of talking about additional contributions, are you open to making additional contributions to super, or are you preferring to put all your extra cash into the investments outside of super to build that wealth side of things?\n\nChannel 1: I just put extra cash outside of super. Not\n\nChannel 0: Yep.\n\nChannel 1: too\n\nChannel 0: That's\n\nChannel 1: interested.\n\nChannel 0: okay.\n\nChannel 1: I might not make 60, so it's better\n\nChannel 0: Well,\n\nChannel 1: off for\n\nChannel 0: I\n\nChannel 1: me\n\nChannel 0: certainly\n\nChannel 1: to\n\nChannel 0: hope\n\nChannel 1: invest in myself.\n\nChannel 0: I certainly hope you do make 60. Oh, good. That's not a problem at all. And I can see your employer's making those regular contributions in, which is fantastic to see. To give you,\n\nChannel 1: Yep.\n\nChannel 0: sorry, a bit of an update on your state today, Corey. So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry. My documents are just uploading updating at the moment there. So the balance of your sleep that we have at the moment, it is up to 97,582. So as a\n\nChannel 1: Sweet.\n\nChannel 0: net return, even with what's been going on, you've made about a 8.56% return net of fees, which is good to see.\n\nChannel 1: That is good.\n\nChannel 0: Yeah. Yeah. So one of the things we do I can look at with you, Super, is just making sure that you are invested correctly. And so I did sorta have a bit of a look at how your investments have been performing there. Realistically, all of them have been performing really well, even with what's been happening globally, and you've probably heard about what's been happening in the news between, The US and Iran and now high interest rates here and everything occurring, which does affect markets on a on a global scale there.\n\nAs I kinda mentioned, everything has been performing quite well. We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio. You said you don't really look at your super very often. Is that right?\n\nChannel 1: Yeah. That's correct. I mean, you guys\n\nChannel 0: Yeah.\n\nChannel 1: send through what you buy and purchase and sell and all that sort of stuff, but I'm not really relying on it. It's sort of like\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: No.\n\nChannel 1: fingers crossed thing that it goes good, and then I make 60 and then there's a good pool there. But\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm\n\nChannel 0: No.\n\nChannel 1: sort\n\nChannel 0: Perfect.\n\nChannel 1: of relying on myself on my own.\n\nChannel 0: Yeah. That's okay. It's not a problem at all. Look. You should never put all your eggs in one basket, and super is just one aspect of building wealth and and looking at retirement.\n\nChannel 1: Correct.\n\nChannel 0: Having investments outside of super is just as important. Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well.\n\nChannel 1: Yep.\n\nChannel 0: With your investments, you had originally been recommended the Benelon Australian Equities. The Benelon is an active investment manager. Their job will they're supposed to be outperforming against the market or the industries that they're tracking, but they haven't been able to do so. So one of the underlying investments has had some legal troubles there. I\n\nChannel 1: Yep.\n\nChannel 0: sort of had a bit of look at your portfolio. They are down a little bit at the moment, but your other Australian exposure is up. So it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment. So I would like to maybe look at removing that out of the portfolio, swapping it for something else. Because it is down at the moment, it does mean that we are cementing the loss to that investment.\n\nChannel 1: Yep.\n\nChannel 0: But because we can also go back and just review the investment portfolio as a whole, maybe do a bit of rebalance there. Cementing the loss at the moment is a bad thing. We can utilize that loss to offer any additional gains that the other investments may have made. I just wanted to sort of find out a bit more about what you would like to see invested with your super debt. So as I kinda mentioned, the Better Long is more of an actively managed fund.\n\nI could, if you like, look at replacing that with a different actively managed fund, or I could look at an investment that's a bit more lower cost, maybe provides a greater diversification, and it's more passively managed. Did you want me to sort of look at either one of those? What's your preference there?\n\nChannel 1: I'm happy for you to do whatever you feel is comfortable.\n\nChannel 0: Yeah. That's okay. I mean, realistically, with where you are, you are young. You can benefit from from from some active management in your portfolio. However, active managers don't always perform against the market.\n\nThey quite often don't. The fact that they do on a regular basis is very rare. In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification. Instead of having 15 underlying investments, you could have, you know, 200. So it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees.\n\nAre you comfortable with me looking at that for you?\n\nChannel 1: Yeah. 100%.\n\nChannel 0: Yeah. Beautiful. I do also go back and have a look at how they have performed over the past as well, making sure we have greater past performance to make sure putting that in there does give you access to potential greater future performance as well, but also making sure that we understand the CGT effect in your super fund. Because like you do a tax return every year, your super fund also does a tax return. So just making sure that we, you know, can mitigate whatever CGT costs that your super fund needs to pay.\n\nAnd I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected. Does that sound okay?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yeah. Beautiful. Did you have, like, further questions for me to kinda break anything down further for you, or is that all okay?\n\nChannel 1: No. No. I'm I'm I'm pretty much happy with it anyway.\n\nChannel 0: Yep. That's okay. All good. Well, I'll go back and have a bit of a look there for you. Now I also just wanted to run through a really quick risk profile just sort of making sure that you are invested correctly.\n\nYou do have you you are more of that growth environment, which sort of sees a 8% in growth at investment and 20% defensive investment. So looking at greater diversification, holding some low risk investment as well as the higher risk areas to kind of obtain future growth. Having a look, I'm just updating some of these questions that you did answer last time. You do have individual shares in crypto in your portfolio outside of super, so you are pretty well versed in how investments work there. So I'm just gonna tick the box to say that you pretty well have a good understanding.\n\nWhen it comes to the time horizon, because you are still very young, can't really access supers at the age of 60. I'm ticking off the boxes because you have greater than ten years ahead of you there. You sort\n\nChannel 1: Yep.\n\nChannel 0: of also mentioned to me that you don't is sort of a a backup area. You know, you see what happens and how far you get and, you know, what you've got when you get to that point there. It's not kind of your main priority at the moment, but how do drops in the market kinda make you feel if you saw, you know, a 10 or 20% drop over the next one, two, or three years? Do you think you're looking at that as the an investment opportunity? Are you feeling a bit concerned?\n\nHow do you sort of feel or see those market reactions?\n\nChannel 1: Oh, no. I I see all the drops as opportunities. Definitely.\n\nChannel 0: Yep. Beautiful. Beautiful. You know what? I don't get that answer very often, and I actually really like it.\n\nChannel 1: They always rebound. Always.\n\nChannel 0: They always do. I absolutely completely understand. That's fantastic.\n\nChannel 1: It's\n\nChannel 0: So\n\nChannel 1: just\n\nChannel 0: you wouldn't\n\nChannel 1: the time\n\nChannel 0: sort of\n\nChannel 1: horizon\n\nChannel 0: be worried by\n\nChannel 1: how many it takes. That's all.\n\nChannel 0: yeah. Absolutely. Absolutely. And when I'm looking at the overall rate of return, you're trying to obtain the best rate of return you possibly can from the portfolio given market conditions. Is that about right?\n\nOr\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yep.\n\nChannel 1: I've seen markets\n\nChannel 0: Yep.\n\nChannel 1: dipping, and I believe it's it's gonna tank even further, and that's sort of my cue to have a look at pulling out of it.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. The other thing to sort of think about is if you look at risk on on a scale of one to five with a growth portfolio, you're sort of in between that three to four mark. You're not taking the highest level of risk in the market, but you're also not taking the lowest amount of risk. You're obtaining good returns, sort of middle range there. Do you\n\nChannel 1: Yep.\n\nChannel 0: feel like that sort of fits your comfort level when you consider the risk versus reward sort of scenario? Do you feel like you would wanna take a bit more risk to get greater potential returns, or do you feel like that middle sort of ground\n\nChannel 1: No.\n\nChannel 0: is comfortable\n\nChannel 1: I'm put I'm\n\nChannel 0: for you?\n\nChannel 1: I'm I'm pretty much in middle market. I mean, when\n\nChannel 0: Yep.\n\nChannel 1: I purchase things and stuff like that, most of my portfolio is in low risk stuff\n\nChannel 0: Okay.\n\nChannel 1: because I'm I'm happy to keep it all and not see it all disappear. So\n\nChannel 0: Beautiful.\n\nChannel 1: that's\n\nChannel 0: You have\n\nChannel 1: probably\n\nChannel 0: to look at you.\n\nChannel 1: more\n\nChannel 0: Yeah.\n\nChannel 1: me. Yeah. I'd probably do, like, 80 in the low risk and play with 20% in the high risk place.\n\nChannel 0: Yeah. Well, with the portfolio you have at the moment in, you have the opposite way around. So 80% in those higher risk investments, so things like international Australian equities. We have also property and also commodities like gold and silver, and then the other 20% in those defensive lower risk investments like cash bonds and fixed interest.\n\nChannel 1: Well, I don't\n\nChannel 0: This\n\nChannel 1: mind\n\nChannel 0: sort\n\nChannel 1: holding\n\nChannel 0: of\n\nChannel 1: gold and silver. That's for sure.\n\nChannel 0: absolutely. And gold has done really well in your portfolio. It's returned\n\nChannel 1: It's\n\nChannel 0: over 20% for the year. So\n\nChannel 1: it's pumping.\n\nChannel 0: it is it is doing very, very well, and it does work both ways. The gold is technically a growth investment. However, it does have defensive principles and defensive it is defensive in nature at certain times in\n\nChannel 1: Yes.\n\nChannel 0: the in your\n\nChannel 1: A\n\nChannel 0: responses.\n\nChannel 1: 100%.\n\nChannel 0: So it is really great to hold there, and I would not be wanting to remove that from your portfolio. I might just look at rebalancing it, just look at the risk level, maybe rebalance things a little bit so that we're compounding. And I'll come back and show you the advice documents, show you what I'm recommending we do, and what changes we make, and how that's gonna benefit\n\nChannel 1: Yep.\n\nChannel 0: you. Okay? All good. So just with that growth portfolio, you have scored in that sort of growth range. You are in that growth environment at the moment.\n\nA growth portfolio normally suits someone who has at least six years before they accessing their sleep, but you've got more than triple that. So you've got plenty of time ahead of you before accessing your sleep at this time frame. With that growth environment, we're chasing about a seven to 9% annual compounded return. And the fact that you've got that 8% return there means you've hit that range for the year. You're in the middle of that sort of expected rate of return.\n\nAnd the likelihood of a negative year is about one in every sort of five years with this sort of portfolio. Do you feel comfortable remaining in that sort of environment within Super?\n\nChannel 1: Yeah. That's that's that's the way I wanna be.\n\nChannel 0: Yep. Beautiful. Beautiful. Well, I'll double check your investments. I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are.\n\nI'll look at removing the underlying then along that has been underperforming for you, and I'll show you\n\nChannel 1: Yep.\n\nChannel 0: what we'll replace it with, how that affects you, the cost involved, and then you can let me know what you wanna decide. Does that sound okay?\n\nChannel 1: Yeah. That sounds good. Hey. I'll hate to cut short, but I've got four blokes staring at me.\n\nChannel 0: Fantastic. Oh, that's okay. The only other last thing I needed to double check was your insurances. You've got your\n\nChannel 1: Yep.\n\nChannel 0: life, your TBD. It's the current sum insured is 1,400,000. Are\n\nChannel 1: Yep.\n\nChannel 0: you happy with those? Did you wanna alter the insurances, the life, TPD, or income protection at all?\n\nChannel 1: Nah. They're all good. I I like I like that super face of that.\n\nChannel 0: Yep. That's okay. Not a problem. And just with your beneficiary side of things, you're hoping to keep Alice as your beneficiary on your life and your super. Is that right?\n\nChannel 1: 100%.\n\nChannel 0: Yep. Fantastic. Not a problem at all. Well, look, I will let you go. I've sent the annual review pack to you.\n\nIt does have all those documents in there. Have a look at them. If you have any questions or wanna review any of them, come back and let me know.\n\nChannel 1: Awesome.\n\nChannel 0: I've also got the ongoing service agreement. So to remain on board and have us continue looking after your super, we just get you to return that back. Our normal fee is 1.65%, but yours is reduced to 1.1 because we have yourself and our associates clients\n\nChannel 1: Done.\n\nChannel 0: there.\n\nChannel 1: Love it.\n\nChannel 0: And I've also got the ongoing service, so the financial services guide for you to have a look at, which has a picture of me and all of my information in there for you in case you wanted to review that. But I'll add a few more details in the email there. Let me know if there's any questions, but I thank you so much for your time, Tory.\n\nChannel 1: Thank you very, very much. I hope you have an awesome day.\n\nChannel 0: Yeah. You too. Thank you. See you later.\n\nChannel 1: See you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.56,"end":1.38,"sentiment":"neutral","sentiment_score":0.271514855325222}],"sentiment":"neutral","sentiment_score":0.271514855325222,"channel":1,"num_words":2,"start":0.56,"end":1.38},{"sentences":[{"text":"Hi, 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you,","start":640.39,"end":641.19,"sentiment":"neutral","sentiment_score":0.10245781888564427}],"sentiment":"neutral","sentiment_score":0.27726010375601406,"channel":0,"num_words":34,"start":629.205,"end":641.19},{"sentences":[{"text":"Yep.","start":640.98505,"end":641.48505,"sentiment":"neutral","sentiment_score":0.07276798784732819}],"sentiment":"neutral","sentiment_score":0.07276798784732819,"channel":1,"num_words":1,"start":640.98505,"end":641.48505},{"sentences":[{"text":"sorry, a bit of an update on your state today, Corey.","start":641.19,"end":643.59,"sentiment":"neutral","sentiment_score":0.044071790846911346},{"text":"So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry.","start":643.59,"end":653.91504,"sentiment":"neutral","sentiment_score":0.052067420697615795},{"text":"My documents are just uploading updating at the moment there.","start":653.91504,"end":658.23505,"sentiment":"neutral","sentiment_score":-0.015173302218317985},{"text":"So the balance of your sleep that we have at the moment, it is up to 97,582.","start":658.23505,"end":664.53,"sentiment":"neutral","sentiment_score":0.07220538201577523},{"text":"So as a","start":664.53,"end":665.65,"sentiment":"neutral","sentiment_score":0.1304025078813235}],"sentiment":"neutral","sentiment_score":0.04925190448904267,"channel":0,"num_words":65,"start":641.19,"end":665.65},{"sentences":[{"text":"Sweet.","start":665.52496,"end":666.02496,"sentiment":"neutral","sentiment_score":0.1951310634613037}],"sentiment":"neutral","sentiment_score":0.1951310634613037,"channel":1,"num_words":1,"start":665.52496,"end":666.02496},{"sentences":[{"text":"net return, even with what's been going on, you've made about a 8.56% return net of fees, which is good to see.","start":665.65,"end":672.39,"sentiment":"neutral","sentiment_score":0.25181087851524353}],"sentiment":"neutral","sentiment_score":0.25181087851524353,"channel":0,"num_words":22,"start":665.65,"end":672.39},{"sentences":[{"text":"That is good.","start":672.95,"end":673.93,"sentiment":"positive","sentiment_score":0.42932257056236267}],"sentiment":"positive","sentiment_score":0.42932257056236267,"channel":1,"num_words":3,"start":672.95,"end":673.93},{"sentences":[{"text":"Yeah.","start":674.465,"end":674.965,"sentiment":"neutral","sentiment_score":0.14132320880889893},{"text":"Yeah.","start":675.025,"end":675.505,"sentiment":"neutral","sentiment_score":0.14931532740592957},{"text":"So one of the things we do I can look at with you, Super, is just making sure that you are invested correctly.","start":675.505,"end":679.925,"sentiment":"neutral","sentiment_score":0.15542470890542734},{"text":"And so I did sorta have a bit of a look at how your investments have been performing there.","start":680.385,"end":684.72,"sentiment":"neutral","sentiment_score":0.0988716316458426},{"text":"Realistically, all of them have been performing really well, even with what's been happening globally, and you've probably heard about what's been happening in the news between, The US and Iran and now high interest rates here and everything occurring, which does affect markets on a on a global scale there.","start":684.87994,"end":700.01996,"sentiment":"neutral","sentiment_score":0.12618796841478816}],"sentiment":"neutral","sentiment_score":0.1282058340154196,"channel":0,"num_words":95,"start":674.465,"end":700.01996},{"sentences":[{"text":"As I kinda mentioned, everything has been performing quite well.","start":700.995,"end":703.875,"sentiment":"neutral","sentiment_score":0.2575350448489189},{"text":"We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio.","start":703.875,"end":711.25494,"sentiment":"negative","sentiment_score":-0.43586709016355973},{"text":"You said you don't really look at your super very often.","start":712.675,"end":715.415,"sentiment":"neutral","sentiment_score":-0.21910001066598025},{"text":"Is that right?","start":715.79004,"end":716.69,"sentiment":"neutral","sentiment_score":-0.05538945520917574}],"sentiment":"neutral","sentiment_score":-0.2385106348907048,"channel":0,"num_words":53,"start":700.995,"end":716.69},{"sentences":[{"text":"Yeah.","start":717.145,"end":717.46497,"sentiment":"neutral","sentiment_score":0.01476248912513256},{"text":"That's correct.","start":717.46497,"end":718.185,"sentiment":"neutral","sentiment_score":0.06872567161917686},{"text":"I mean, you guys","start":718.185,"end":719.145,"sentiment":"neutral","sentiment_score":0.03162834420800209}],"sentiment":"neutral","sentiment_score":0.03981817274221352,"channel":1,"num_words":7,"start":717.145,"end":719.145},{"sentences":[{"text":"Yeah.","start":718.91003,"end":719.41003,"sentiment":"neutral","sentiment_score":0.032185375690460205}],"sentiment":"neutral","sentiment_score":0.032185375690460205,"channel":0,"num_words":1,"start":718.91003,"end":719.41003},{"sentences":[{"text":"send through what you buy and purchase and sell and all that sort of stuff, but I'm not really relying on it.","start":719.145,"end":724.99005,"sentiment":"neutral","sentiment_score":-0.013291941955685616},{"text":"It's sort of like","start":724.99005,"end":725.79004,"sentiment":"neutral","sentiment_score":-0.012213638983666897}],"sentiment":"neutral","sentiment_score":-0.013126049190759659,"channel":1,"num_words":26,"start":719.145,"end":725.79004},{"sentences":[{"text":"Yeah.","start":725.63,"end":725.88,"sentiment":"neutral","sentiment_score":0.003262722864747047}],"sentiment":"neutral","sentiment_score":0.003262722864747047,"channel":0,"num_words":1,"start":725.63,"end":725.88},{"sentences":[{"text":"a","start":725.79004,"end":725.95,"sentiment":"neutral","sentiment_score":-0.00970933958888054}],"sentiment":"neutral","sentiment_score":-0.00970933958888054,"channel":1,"num_words":1,"start":725.79004,"end":725.95},{"sentences":[{"text":"No.","start":725.88,"end":726.38,"sentiment":"neutral","sentiment_score":-0.0961918905377388}],"sentiment":"neutral","sentiment_score":-0.0961918905377388,"channel":0,"num_words":1,"start":725.88,"end":726.38},{"sentences":[{"text":"fingers crossed thing that it goes good, and then I make 60 and then there's a good pool there.","start":725.95,"end":731.01,"sentiment":"neutral","sentiment_score":0.08717085205410656},{"text":"But","start":731.47003,"end":731.79004,"sentiment":"neutral","sentiment_score":0.004035435616970062}],"sentiment":"neutral","sentiment_score":0.08301408123224974,"channel":1,"num_words":20,"start":725.95,"end":731.79004},{"sentences":[{"text":"Yep.","start":731.485,"end":731.985,"sentiment":"neutral","sentiment_score":0.019400957971811295}],"sentiment":"neutral","sentiment_score":0.019400957971811295,"channel":0,"num_words":1,"start":731.485,"end":731.985},{"sentences":[{"text":"I'm I'm","start":731.79004,"end":732.43005,"sentiment":"neutral","sentiment_score":-0.06985045596957207}],"sentiment":"neutral","sentiment_score":-0.06985045596957207,"channel":1,"num_words":2,"start":731.79004,"end":732.43005},{"sentences":[{"text":"No.","start":732.125,"end":732.44495,"sentiment":"neutral","sentiment_score":-0.16388839483261108}],"sentiment":"neutral","sentiment_score":-0.16388839483261108,"channel":0,"num_words":1,"start":732.125,"end":732.44495},{"sentences":[{"text":"sort","start":732.43005,"end":732.67004,"sentiment":"neutral","sentiment_score":-0.1076573133468628}],"sentiment":"neutral","sentiment_score":-0.1076573133468628,"channel":1,"num_words":1,"start":732.43005,"end":732.67004},{"sentences":[{"text":"Perfect.","start":732.44495,"end":732.94495,"sentiment":"neutral","sentiment_score":-0.01127643883228302}],"sentiment":"neutral","sentiment_score":-0.01127643883228302,"channel":0,"num_words":1,"start":732.44495,"end":732.94495},{"sentences":[{"text":"of relying on myself on my own.","start":732.67004,"end":734.53,"sentiment":"neutral","sentiment_score":-0.046675409589494975}],"sentiment":"neutral","sentiment_score":-0.046675409589494975,"channel":1,"num_words":7,"start":732.67004,"end":734.53},{"sentences":[{"text":"Yeah.","start":735.165,"end":735.485,"sentiment":"neutral","sentiment_score":0.1562376320362091},{"text":"That's okay.","start":735.485,"end":736.045,"sentiment":"neutral","sentiment_score":0.26142145693302155},{"text":"It's not a problem at all.","start":736.045,"end":737.005,"sentiment":"neutral","sentiment_score":0.3013877272605896},{"text":"Look.","start":737.005,"end":737.245,"sentiment":"neutral","sentiment_score":0.2626282572746277},{"text":"You should never put all your eggs in one basket, and super is just one aspect of building wealth and and looking at retirement.","start":737.245,"end":742.94,"sentiment":"neutral","sentiment_score":0.271748885512352}],"sentiment":"neutral","sentiment_score":0.2727061299716725,"channel":0,"num_words":34,"start":735.165,"end":742.94},{"sentences":[{"text":"Correct.","start":742.835,"end":743.335,"sentiment":"neutral","sentiment_score":0.23922300338745117}],"sentiment":"neutral","sentiment_score":0.23922300338745117,"channel":1,"num_words":1,"start":742.835,"end":743.335},{"sentences":[{"text":"Having investments outside of super is just as important.","start":743.0,"end":746.06,"sentiment":"neutral","sentiment_score":0.26912321315871346},{"text":"Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well.","start":746.36005,"end":756.46,"sentiment":"neutral","sentiment_score":0.30697940703895354}],"sentiment":"neutral","sentiment_score":0.29940816826290556,"channel":0,"num_words":45,"start":743.0,"end":756.46},{"sentences":[{"text":"Yep.","start":757.37,"end":757.87,"sentiment":"neutral","sentiment_score":0.1147257536649704}],"sentiment":"neutral","sentiment_score":0.1147257536649704,"channel":1,"num_words":1,"start":757.37,"end":757.87},{"sentences":[{"text":"With your investments, you had originally been recommended the Benelon Australian Equities.","start":757.565,"end":762.60504,"sentiment":"neutral","sentiment_score":0.07891124424835046},{"text":"The Benelon is an active investment manager.","start":762.60504,"end":764.86505,"sentiment":"neutral","sentiment_score":0.08868504102740969},{"text":"Their job will they're supposed to be outperforming against the market or the industries that they're tracking, but they haven't been able to do so.","start":765.48505,"end":771.87,"sentiment":"neutral","sentiment_score":0.028048861119896174},{"text":"So one of the underlying investments has had some legal troubles there.","start":771.87,"end":775.49,"sentiment":"neutral","sentiment_score":-0.26184068744381267},{"text":"I","start":775.79004,"end":776.03,"sentiment":"neutral","sentiment_score":-0.03942374885082245}],"sentiment":"neutral","sentiment_score":-0.01600982898258065,"channel":0,"num_words":57,"start":757.565,"end":776.03},{"sentences":[{"text":"Yep.","start":775.925,"end":776.425,"sentiment":"neutral","sentiment_score":-0.020743250846862793}],"sentiment":"neutral","sentiment_score":-0.020743250846862793,"channel":1,"num_words":1,"start":775.925,"end":776.425},{"sentences":[{"text":"sort of had a bit of look at your portfolio.","start":776.03,"end":777.81,"sentiment":"neutral","sentiment_score":-0.06949041746556758},{"text":"They are down a little bit at the moment, but your other Australian exposure is up.","start":777.87,"end":782.27,"sentiment":"neutral","sentiment_score":-0.1888850354589522},{"text":"So it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment.","start":782.27,"end":789.71497,"sentiment":"neutral","sentiment_score":-0.12399524564926441},{"text":"So I would like to maybe look at removing that out of the portfolio, swapping it for something else.","start":790.33496,"end":795.15497,"sentiment":"neutral","sentiment_score":-0.1071905548635282},{"text":"Because it is down at the moment, it does mean that we are cementing the loss to that investment.","start":795.375,"end":800.035,"sentiment":"neutral","sentiment_score":-0.33149822370002147}],"sentiment":"neutral","sentiment_score":-0.16973364357319143,"channel":0,"num_words":90,"start":776.03,"end":800.035},{"sentences":[{"text":"Yep.","start":800.22504,"end":800.72504,"sentiment":"neutral","sentiment_score":-0.007160115987062454}],"sentiment":"neutral","sentiment_score":-0.007160115987062454,"channel":1,"num_words":1,"start":800.22504,"end":800.72504},{"sentences":[{"text":"But because we can also go back and just review the investment portfolio as a whole, maybe do a bit of rebalance there.","start":800.65497,"end":807.0,"sentiment":"neutral","sentiment_score":-0.0013691324578679125},{"text":"Cementing the loss at the moment is a bad thing.","start":807.0,"end":809.08,"sentiment":"negative","sentiment_score":-0.5604398161172867},{"text":"We can utilize that loss to offer any additional gains that the other investments may have made.","start":809.08,"end":814.22,"sentiment":"neutral","sentiment_score":-0.030866675078868866},{"text":"I just wanted to sort of find out a bit more about what you would like to see invested with your super debt.","start":815.08,"end":820.01495,"sentiment":"neutral","sentiment_score":0.07757927736510402},{"text":"So as I kinda mentioned, the Better Long is more of an actively managed fund.","start":820.01495,"end":824.355,"sentiment":"neutral","sentiment_score":0.0882021648188432}],"sentiment":"neutral","sentiment_score":-0.03469620264050635,"channel":0,"num_words":88,"start":800.65497,"end":824.355},{"sentences":[{"text":"I could, if you like, look at replacing that with a different actively managed fund, or I could look at an investment that's a bit more lower cost, maybe provides a greater diversification, and it's more passively managed.","start":824.975,"end":836.78,"sentiment":"neutral","sentiment_score":0.10422800187217562},{"text":"Did you want me to sort of look at either one of those?","start":837.24,"end":839.48004,"sentiment":"neutral","sentiment_score":0.06026569868509586},{"text":"What's your preference there?","start":839.48004,"end":841.02,"sentiment":"neutral","sentiment_score":0.06919042486697435}],"sentiment":"neutral","sentiment_score":0.09128872460939667,"channel":0,"num_words":55,"start":824.975,"end":841.02},{"sentences":[{"text":"I'm happy for you to do whatever you feel is comfortable.","start":841.86005,"end":844.68005,"sentiment":"positive","sentiment_score":0.41216159002347424}],"sentiment":"positive","sentiment_score":0.41216159002347424,"channel":1,"num_words":11,"start":841.86005,"end":844.68005},{"sentences":[{"text":"Yeah.","start":845.495,"end":845.81494,"sentiment":"neutral","sentiment_score":0.25052472949028015},{"text":"That's okay.","start":845.81494,"end":846.375,"sentiment":"neutral","sentiment_score":0.3228454291820526},{"text":"I mean, realistically, with where you are, you are young.","start":846.375,"end":849.25494,"sentiment":"neutral","sentiment_score":0.24290342330932618},{"text":"You can benefit from from from some active management in your portfolio.","start":849.25494,"end":852.795,"sentiment":"positive","sentiment_score":0.34782109409570694},{"text":"However, active managers don't always perform against the market.","start":852.935,"end":856.12,"sentiment":"neutral","sentiment_score":-0.037803015775150724}],"sentiment":"neutral","sentiment_score":0.21055517082705216,"channel":0,"num_words":34,"start":845.495,"end":856.12},{"sentences":[{"text":"They quite often don't.","start":856.12,"end":857.42,"sentiment":"neutral","sentiment_score":-0.09925186447799206},{"text":"The fact that they do on a regular basis is very rare.","start":857.96,"end":861.1,"sentiment":"neutral","sentiment_score":-0.0543301555638512},{"text":"In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification.","start":861.56,"end":867.935,"sentiment":"neutral","sentiment_score":0.24969513617132022},{"text":"Instead of having 15 underlying investments, you could have, you know, 200.","start":868.075,"end":872.015,"sentiment":"neutral","sentiment_score":0.2031078344831864},{"text":"So it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees.","start":872.475,"end":879.835,"sentiment":"positive","sentiment_score":0.3962020017206669}],"sentiment":"neutral","sentiment_score":0.22186881149808566,"channel":0,"num_words":75,"start":856.12,"end":879.835},{"sentences":[{"text":"Are you comfortable with me looking at that for you?","start":879.835,"end":882.335,"sentiment":"neutral","sentiment_score":0.23355559259653091}],"sentiment":"neutral","sentiment_score":0.23355559259653091,"channel":0,"num_words":10,"start":879.835,"end":882.335},{"sentences":[{"text":"Yeah.","start":882.45496,"end":882.77496,"sentiment":"neutral","sentiment_score":0.17305868864059448},{"text":"100%.","start":882.77496,"end":883.595,"sentiment":"neutral","sentiment_score":0.2779715359210968}],"sentiment":"neutral","sentiment_score":0.22551511228084564,"channel":1,"num_words":2,"start":882.45496,"end":883.595},{"sentences":[{"text":"Yeah.","start":884.05,"end":884.37,"sentiment":"positive","sentiment_score":0.3931495249271393},{"text":"Beautiful.","start":884.37,"end":884.85004,"sentiment":"neutral","sentiment_score":0.017927424982190132},{"text":"I do also go back and have a look at how they have performed over the past as well, making sure we have greater past performance to make sure putting that in there does give you access to potential greater future performance as well, but also making sure that we understand the CGT effect in your super fund.","start":884.85004,"end":901.005,"sentiment":"neutral","sentiment_score":0.19450962569179206},{"text":"Because like you do a tax return every year, your super fund also does a tax return.","start":901.005,"end":905.505,"sentiment":"neutral","sentiment_score":0.14831132704720779},{"text":"So just making sure that we, you know, can mitigate whatever CGT costs that your super fund needs to pay.","start":905.565,"end":911.86005,"sentiment":"neutral","sentiment_score":0.18461031895130872}],"sentiment":"neutral","sentiment_score":0.18459932143156677,"channel":0,"num_words":97,"start":884.05,"end":911.86005},{"sentences":[{"text":"And I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected.","start":912.32,"end":923.06,"sentiment":"neutral","sentiment_score":0.10772276297211647},{"text":"Does that sound okay?","start":923.12006,"end":924.26,"sentiment":"neutral","sentiment_score":0.10854367539286613}],"sentiment":"neutral","sentiment_score":0.10779912691823272,"channel":0,"num_words":43,"start":912.32,"end":924.26},{"sentences":[{"text":"Yeah.","start":924.54004,"end":924.78,"sentiment":"neutral","sentiment_score":0.2024671286344528},{"text":"That sounds good.","start":924.78,"end":925.76,"sentiment":"positive","sentiment_score":0.4932705859343211}],"sentiment":"positive","sentiment_score":0.420569721609354,"channel":1,"num_words":4,"start":924.54004,"end":925.76},{"sentences":[{"text":"Yeah.","start":926.075,"end":926.395,"sentiment":"positive","sentiment_score":0.365675836801529},{"text":"Beautiful.","start":926.395,"end":926.795,"sentiment":"positive","sentiment_score":0.5820874571800232},{"text":"Did you have, like, further questions for me to kinda break anything down further for you, or is that all okay?","start":926.795,"end":931.935,"sentiment":"neutral","sentiment_score":0.11452218127392587}],"sentiment":"neutral","sentiment_score":0.14577083046669545,"channel":0,"num_words":23,"start":926.075,"end":931.935},{"sentences":[{"text":"No.","start":932.815,"end":932.975,"sentiment":"neutral","sentiment_score":-0.1607772707939148},{"text":"No.","start":932.975,"end":933.215,"sentiment":"neutral","sentiment_score":-0.2049194872379303},{"text":"I'm I'm I'm pretty much happy with it anyway.","start":933.215,"end":935.715,"sentiment":"neutral","sentiment_score":-0.15095258007446924}],"sentiment":"neutral","sentiment_score":-0.15675181624564258,"channel":1,"num_words":11,"start":932.815,"end":935.715},{"sentences":[{"text":"Yep.","start":935.915,"end":936.415,"sentiment":"neutral","sentiment_score":0.2161116898059845},{"text":"That's okay.","start":936.635,"end":937.435,"sentiment":"neutral","sentiment_score":0.32135970890522003},{"text":"All good.","start":937.435,"end":937.915,"sentiment":"positive","sentiment_score":0.4261060059070587},{"text":"Well, I'll go back and have a bit of a look there for you.","start":937.915,"end":940.415,"sentiment":"neutral","sentiment_score":0.14121445002300398},{"text":"Now I also just wanted to run through a really quick risk profile just sort of making sure that you are invested correctly.","start":940.61005,"end":946.07,"sentiment":"neutral","sentiment_score":0.07952610727237619}],"sentiment":"neutral","sentiment_score":0.13136061635755358,"channel":0,"num_words":42,"start":935.915,"end":946.07},{"sentences":[{"text":"You do have you you are more of that growth environment, which sort of sees a 8% in growth at investment and 20% defensive investment.","start":947.01,"end":955.415,"sentiment":"neutral","sentiment_score":0.11853775799274445},{"text":"So looking at greater diversification, holding some low risk investment as well as the higher risk areas to kind of obtain future 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in","start":1151.17,"end":1156.45,"sentiment":"neutral","sentiment_score":0.07959345421370338}],"sentiment":"neutral","sentiment_score":0.21808226485001414,"channel":0,"num_words":38,"start":1144.535,"end":1156.45},{"sentences":[{"text":"Yes.","start":1156.265,"end":1156.665,"sentiment":"neutral","sentiment_score":0.03997110947966576}],"sentiment":"neutral","sentiment_score":0.03997110947966576,"channel":1,"num_words":1,"start":1156.265,"end":1156.665},{"sentences":[{"text":"the in your","start":1156.45,"end":1156.77,"sentiment":"neutral","sentiment_score":0.035177811359365777}],"sentiment":"neutral","sentiment_score":0.035177811359365777,"channel":0,"num_words":3,"start":1156.45,"end":1156.77},{"sentences":[{"text":"A","start":1156.665,"end":1156.825,"sentiment":"neutral","sentiment_score":0.06775984168052673}],"sentiment":"neutral","sentiment_score":0.06775984168052673,"channel":1,"num_words":1,"start":1156.665,"end":1156.825},{"sentences":[{"text":"responses.","start":1156.77,"end":1157.27,"sentiment":"neutral","sentiment_score":0.04311537742614746}],"sentiment":"neutral","sentiment_score":0.04311537742614746,"channel":0,"num_words":1,"start":1156.77,"end":1157.27},{"sentences":[{"text":"100%.","start":1156.825,"end":1157.565,"sentiment":"neutral","sentiment_score":0.1620526909828186}],"sentiment":"neutral","sentiment_score":0.1620526909828186,"channel":1,"num_words":1,"start":1156.825,"end":1157.565},{"sentences":[{"text":"So it is really great to hold there, and I would not be wanting to remove that from your portfolio.","start":1157.89,"end":1162.15,"sentiment":"neutral","sentiment_score":0.23180211186408997},{"text":"I might just look at rebalancing it, just look at the risk level, maybe rebalance things a little bit so that we're compounding.","start":1162.85,"end":1168.785,"sentiment":"neutral","sentiment_score":0.13394257393868073},{"text":"And I'll come back and show you the advice documents, show you what I'm recommending we do, and what changes we make, and how that's gonna 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range.","start":1179.64,"end":1183.9801,"sentiment":"neutral","sentiment_score":0.15443226099014282},{"text":"You are in that growth environment at the moment.","start":1184.3601,"end":1186.68,"sentiment":"neutral","sentiment_score":0.1535581640071339}],"sentiment":"neutral","sentiment_score":0.17815019163702214,"channel":0,"num_words":28,"start":1176.365,"end":1186.68},{"sentences":[{"text":"A growth portfolio normally suits someone who has at least six years before they accessing their sleep, but you've got more than triple that.","start":1186.68,"end":1192.865,"sentiment":"neutral","sentiment_score":0.10790622622395556},{"text":"So you've got plenty of time ahead of you before accessing your sleep at this time frame.","start":1192.865,"end":1196.645,"sentiment":"neutral","sentiment_score":0.12486413652625154},{"text":"With that growth environment, we're chasing about a seven to 9% annual compounded return.","start":1197.425,"end":1202.725,"sentiment":"neutral","sentiment_score":0.04781741356211049},{"text":"And the fact that you've got that 8% return there means you've hit that range for the year.","start":1203.1,"end":1207.1799,"sentiment":"neutral","sentiment_score":0.03754989895969629},{"text":"You're in the middle of that sort of expected rate of return.","start":1207.1799,"end":1210.0,"sentiment":"neutral","sentiment_score":-0.01973794090251128}],"sentiment":"neutral","sentiment_score":0.06848148741923711,"channel":0,"num_words":85,"start":1186.68,"end":1210.0},{"sentences":[{"text":"And the likelihood of a negative year is about one in every sort of five years with this sort of portfolio.","start":1210.5399,"end":1216.24,"sentiment":"neutral","sentiment_score":-0.1063851397484541},{"text":"Do you feel comfortable remaining in that sort of environment within Super?","start":1216.745,"end":1220.525,"sentiment":"neutral","sentiment_score":-0.044512877551217876}],"sentiment":"neutral","sentiment_score":-0.08388613531309547,"channel":0,"num_words":33,"start":1210.5399,"end":1220.525},{"sentences":[{"text":"Yeah.","start":1221.13,"end":1221.61,"sentiment":"neutral","sentiment_score":0.052612997591495514},{"text":"That's that's that's the way I wanna be.","start":1221.61,"end":1224.03,"sentiment":"neutral","sentiment_score":0.14745729230344296}],"sentiment":"neutral","sentiment_score":0.1369190373354488,"channel":1,"num_words":9,"start":1221.13,"end":1224.03},{"sentences":[{"text":"Yep.","start":1224.425,"end":1224.905,"sentiment":"neutral","sentiment_score":0.21131110191345215},{"text":"Beautiful.","start":1224.905,"end":1225.385,"sentiment":"positive","sentiment_score":0.5348906517028809},{"text":"Beautiful.","start":1225.385,"end":1225.865,"sentiment":"positive","sentiment_score":0.4956584572792053},{"text":"Well, I'll double check your investments.","start":1225.865,"end":1227.5651,"sentiment":"neutral","sentiment_score":0.13048536951343218},{"text":"I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are.","start":1227.785,"end":1233.99,"sentiment":"neutral","sentiment_score":0.07887504665324321}],"sentiment":"neutral","sentiment_score":0.11644353259887014,"channel":0,"num_words":35,"start":1224.425,"end":1233.99},{"sentences":[{"text":"I'll look at removing the underlying then along that has been underperforming for you, and I'll show you","start":1233.99,"end":1239.1901,"sentiment":"neutral","sentiment_score":0.038854268172548875}],"sentiment":"neutral","sentiment_score":0.038854268172548875,"channel":0,"num_words":18,"start":1233.99,"end":1239.1901},{"sentences":[{"text":"Yep.","start":1239.1749,"end":1239.6749,"sentiment":"neutral","sentiment_score":0.05017467588186264}],"sentiment":"neutral","sentiment_score":0.05017467588186264,"channel":1,"num_words":1,"start":1239.1749,"end":1239.6749},{"sentences":[{"text":"what we'll replace it with, how that affects you, the cost involved, and then you can let me know what you wanna decide.","start":1239.1901,"end":1245.11,"sentiment":"neutral","sentiment_score":0.06465392802720485},{"text":"Does that sound okay?","start":1245.11,"end":1246.25,"sentiment":"neutral","sentiment_score":0.08608228340744972}],"sentiment":"neutral","sentiment_score":0.06782849919464853,"channel":0,"num_words":27,"start":1239.1901,"end":1246.25},{"sentences":[{"text":"Yeah.","start":1246.51,"end":1246.83,"sentiment":"neutral","sentiment_score":0.09905429184436798},{"text":"That sounds good.","start":1246.83,"end":1247.63,"sentiment":"neutral","sentiment_score":0.20278510451316833},{"text":"Hey.","start":1247.63,"end":1247.95,"sentiment":"neutral","sentiment_score":0.04182630404829979},{"text":"I'll hate to cut short, but I've got four blokes staring at me.","start":1247.95,"end":1251.65,"sentiment":"neutral","sentiment_score":-0.04331277946654994}],"sentiment":"neutral","sentiment_score":0.010342765353723533,"channel":1,"num_words":18,"start":1246.51,"end":1251.65},{"sentences":[{"text":"Fantastic.","start":1251.645,"end":1252.125,"sentiment":"neutral","sentiment_score":0.28216415643692017},{"text":"Oh, that's okay.","start":1252.125,"end":1253.265,"sentiment":"neutral","sentiment_score":0.11222807814677556},{"text":"The only other last thing I needed to double check was your insurances.","start":1253.325,"end":1256.225,"sentiment":"neutral","sentiment_score":0.01842722174926446},{"text":"You've got your","start":1256.765,"end":1257.325,"sentiment":"neutral","sentiment_score":0.025604577735066414}],"sentiment":"neutral","sentiment_score":0.0467608003411442,"channel":0,"num_words":20,"start":1251.645,"end":1257.325},{"sentences":[{"text":"Yep.","start":1257.23,"end":1257.73,"sentiment":"neutral","sentiment_score":0.03947211429476738}],"sentiment":"neutral","sentiment_score":0.03947211429476738,"channel":1,"num_words":1,"start":1257.23,"end":1257.73},{"sentences":[{"text":"life, your TBD.","start":1257.325,"end":1258.3049,"sentiment":"neutral","sentiment_score":0.0342735822002093},{"text":"It's the current sum insured is 1,400,000.","start":1259.165,"end":1262.2101,"sentiment":"neutral","sentiment_score":0.031149555795959065},{"text":"Are","start":1262.91,"end":1263.15,"sentiment":"neutral","sentiment_score":0.02493298053741455}],"sentiment":"neutral","sentiment_score":0.03143641979179599,"channel":0,"num_words":11,"start":1257.325,"end":1263.15},{"sentences":[{"text":"Yep.","start":1262.9651,"end":1263.4651,"sentiment":"neutral","sentiment_score":0.037710949778556824}],"sentiment":"neutral","sentiment_score":0.037710949778556824,"channel":1,"num_words":1,"start":1262.9651,"end":1263.4651},{"sentences":[{"text":"you happy with those?","start":1263.15,"end":1264.03,"sentiment":"neutral","sentiment_score":0.053693510591983795},{"text":"Did you wanna alter the insurances, the life, TPD, or income protection at all?","start":1264.03,"end":1268.2101,"sentiment":"neutral","sentiment_score":0.009745171842431384}],"sentiment":"neutral","sentiment_score":0.01951146934233192,"channel":0,"num_words":18,"start":1263.15,"end":1268.2101},{"sentences":[{"text":"Nah.","start":1267.925,"end":1268.405,"sentiment":"neutral","sentiment_score":0.1015911102294922},{"text":"They're all good.","start":1268.405,"end":1269.125,"sentiment":"neutral","sentiment_score":0.24657896161079407},{"text":"I I like I like that super face of that.","start":1269.125,"end":1271.865,"sentiment":"positive","sentiment_score":0.5430326581001281}],"sentiment":"positive","sentiment_score":0.44797532686165403,"channel":1,"num_words":14,"start":1267.925,"end":1271.865},{"sentences":[{"text":"Yep.","start":1272.365,"end":1272.7649,"sentiment":"neutral","sentiment_score":0.15980622172355652},{"text":"That's okay.","start":1272.7649,"end":1273.485,"sentiment":"neutral","sentiment_score":0.1954999715089798},{"text":"Not a problem.","start":1273.485,"end":1274.205,"sentiment":"neutral","sentiment_score":0.1875815490881602},{"text":"And just with your beneficiary side of things, you're hoping to keep Alice as your beneficiary on your life and your super.","start":1274.205,"end":1280.365,"sentiment":"neutral","sentiment_score":0.1815333752469583},{"text":"Is that right?","start":1280.365,"end":1281.2649,"sentiment":"neutral","sentiment_score":0.13288156688213348}],"sentiment":"neutral","sentiment_score":0.17761063768017676,"channel":0,"num_words":31,"start":1272.365,"end":1281.2649},{"sentences":[{"text":"100%.","start":1281.4,"end":1282.2201,"sentiment":"neutral","sentiment_score":0.1496201902627945}],"sentiment":"neutral","sentiment_score":0.1496201902627945,"channel":1,"num_words":1,"start":1281.4,"end":1282.2201},{"sentences":[{"text":"Yep.","start":1282.9249,"end":1283.4249,"sentiment":"neutral","sentiment_score":0.20176100730895996},{"text":"Fantastic.","start":1283.485,"end":1283.985,"sentiment":"positive","sentiment_score":0.44331830739974976},{"text":"Not a problem at all.","start":1284.2849,"end":1285.47,"sentiment":"neutral","sentiment_score":0.28944507241249084},{"text":"Well, look, I will let you go.","start":1285.47,"end":1286.6699,"sentiment":"neutral","sentiment_score":0.19758380098002298},{"text":"I've sent the annual review pack to you.","start":1286.6699,"end":1288.4299,"sentiment":"neutral","sentiment_score":0.21431775763630867}],"sentiment":"neutral","sentiment_score":0.23590606112371793,"channel":0,"num_words":22,"start":1282.9249,"end":1288.4299},{"sentences":[{"text":"It does have all those documents in there.","start":1288.4299,"end":1290.19,"sentiment":"neutral","sentiment_score":0.17131594941020012},{"text":"Have a look at them.","start":1290.19,"end":1290.83,"sentiment":"neutral","sentiment_score":0.17556093633174896},{"text":"If you have any questions or wanna review any of them, come back and let me know.","start":1290.83,"end":1295.01,"sentiment":"neutral","sentiment_score":0.18290571605457978}],"sentiment":"neutral","sentiment_score":0.1785909816622734,"channel":0,"num_words":30,"start":1288.4299,"end":1295.01},{"sentences":[{"text":"Awesome.","start":1295.585,"end":1296.085,"sentiment":"positive","sentiment_score":0.8590291738510132}],"sentiment":"positive","sentiment_score":0.8590291738510132,"channel":1,"num_words":1,"start":1295.585,"end":1296.085},{"sentences":[{"text":"I've also got the ongoing service agreement.","start":1295.79,"end":1298.19,"sentiment":"positive","sentiment_score":0.5294928124972752},{"text":"So to remain on board and have us continue looking after your super, we just get you to return that back.","start":1298.19,"end":1303.225,"sentiment":"positive","sentiment_score":0.42450074070975896},{"text":"Our normal fee is 1.65%, but yours is reduced to 1.1 because we have yourself and our associates clients","start":1303.605,"end":1310.405,"sentiment":"neutral","sentiment_score":0.18001984138237803}],"sentiment":"positive","sentiment_score":0.3413051538010861,"channel":0,"num_words":47,"start":1295.79,"end":1310.405},{"sentences":[{"text":"Done.","start":1310.16,"end":1310.66,"sentiment":"neutral","sentiment_score":0.21068570017814636}],"sentiment":"neutral","sentiment_score":0.21068570017814636,"channel":1,"num_words":1,"start":1310.16,"end":1310.66},{"sentences":[{"text":"there.","start":1310.405,"end":1310.905,"sentiment":"neutral","sentiment_score":0.2601274847984314}],"sentiment":"neutral","sentiment_score":0.2601274847984314,"channel":0,"num_words":1,"start":1310.405,"end":1310.905},{"sentences":[{"text":"Love it.","start":1311.28,"end":1312.02,"sentiment":"positive","sentiment_score":0.7806940078735352}],"sentiment":"positive","sentiment_score":0.7806940078735352,"channel":1,"num_words":2,"start":1311.28,"end":1312.02},{"sentences":[{"text":"And I've also got the ongoing service, so the financial services guide for you to have a look at, which has a picture of me and all of my information in there for you in case you wanted to review that.","start":1312.245,"end":1321.5,"sentiment":"positive","sentiment_score":0.3568452026058988},{"text":"But I'll add a few more details in the email there.","start":1321.5,"end":1324.2201,"sentiment":"neutral","sentiment_score":0.16145268082618713},{"text":"Let me know if there's any questions, but I thank you so much for your time, Tory.","start":1324.2201,"end":1327.52,"sentiment":"positive","sentiment_score":0.5420690108748043}],"sentiment":"positive","sentiment_score":0.3713305214608925,"channel":0,"num_words":69,"start":1312.245,"end":1327.52},{"sentences":[{"text":"Thank you very, very much.","start":1327.8448,"end":1329.3649,"sentiment":"positive","sentiment_score":0.8561577916145324},{"text":"I hope you have an awesome day.","start":1329.3649,"end":1331.065,"sentiment":"positive","sentiment_score":0.8352093781743731}],"sentiment":"positive","sentiment_score":0.8439378837744395,"channel":1,"num_words":12,"start":1327.8448,"end":1331.065},{"sentences":[{"text":"Yeah.","start":1331.3749,"end":1331.7749,"sentiment":"positive","sentiment_score":0.491031289100647},{"text":"You too.","start":1331.7749,"end":1332.4149,"sentiment":"positive","sentiment_score":0.4544381648302078},{"text":"Thank you.","start":1332.4149,"end":1333.0549,"sentiment":"positive","sentiment_score":0.5911587774753571},{"text":"See you later.","start":1333.0549,"end":1333.955,"sentiment":"positive","sentiment_score":0.4686256945133209}],"sentiment":"positive","sentiment_score":0.49851278215646744,"channel":0,"num_words":8,"start":1331.3749,"end":1333.955},{"sentences":[{"text":"See you.","start":1334.1649,"end":1334.7249,"sentiment":"neutral","sentiment_score":0.3315414637327194}],"sentiment":"neutral","sentiment_score":0.3315414637327194,"channel":1,"num_words":2,"start":1334.1649,"end":1334.7249},{"sentences":[{"text":"Bye.","start":1334.575,"end":1335.075,"sentiment":"neutral","sentiment_score":0.2065451443195343}],"sentiment":"neutral","sentiment_score":0.2065451443195343,"channel":0,"num_words":1,"start":1334.575,"end":1335.075},{"sentences":[{"text":"Bye.","start":1334.7249,"end":1335.2249,"sentiment":"neutral","sentiment_score":-0.12083777040243147}],"sentiment":"neutral","sentiment_score":-0.12083777040243147,"channel":1,"num_words":1,"start":1334.7249,"end":1335.2249}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers to review their annual reviews and personal information. They discuss investment portfolios, potential retirement goals, and concerns about retirement age limits. The representatives provide updates on risk profiles and returns, and suggest diversifying investments and risk management strategies. They also provide advice on maintaining a comfortable risk level and retirement plans for insurance policies. The conversation includes discussions of growth portfolios and the ongoing service agreement."},"intents":{"segments":[{"text":"I had you booked in to go through and review today. Is now still a good time there for you? Yeah.","start_word":31,"end_word":51,"intents":[{"intent":"Check availability","confidence_score":0.049704734}]},{"text":"I'll just go through, do your annual review, update all of your circumstances, give you an update on what sort of been going on with your super, and we'll sort of just assess if there's any new advice that needs to be provided. Okay? Yeah.","start_word":324,"end_word":368,"intents":[{"intent":"Review super administration and update circumstances","confidence_score":1.6438028e-8},{"intent":"Assess need for new advice","confidence_score":0.0017423525}]},{"text":"Corey, as part of the review, we will go through and have a bit of a chat about what your sleep has been doing. But is there anything particular you had question wise or anything you wanted me to touch on with regard to your review or anything specific? No. No.","start_word":396,"end_word":446,"intents":[{"intent":"Discuss sleep and goals","confidence_score":0.17560048}]},{"text":"I had done here that I I don't really have a sort of a goal age for when you're hoping to be able to access your super. Are you sort of tracking to try and access super the earliest possible age legislated, or is there a goal age that you were hoping to retire eventually? Yeah. Probably around 50.","start_word":506,"end_word":564,"intents":[{"intent":"Evaluate super retirement age","confidence_score":0.00021681664}]},{"text":"So you're hoping to access those investments around that 50 to give you a bit of Around a that a buffer?","start_word":663,"end_word":683,"intents":[{"intent":"Access investments","confidence_score":0.82642776},{"intent":"Invest","confidence_score":0.0035108507},{"intent":"Explore investments","confidence_score":0.012501177},{"intent":"Express interest in investments","confidence_score":0.0021213437}]},{"text":"By 50, I pretty much wanna be set up myself. So Yeah.","start_word":690,"end_word":701,"intents":[{"intent":"Set up myself","confidence_score":0.105755255}]},{"text":"Back then, your investment portfolio was valued or worth about 120,000. What's the values on that now? About 360.","start_word":737,"end_word":755,"intents":[{"intent":"Discuss portfolio value","confidence_score":0.0018356451},{"intent":"Clarify portfolio value","confidence_score":0.002684716},{"intent":"Explain investment value","confidence_score":0.0026309886}]},{"text":"Just like it depends on the risk portfolio, really. I'm in some Yep. low like, majority of my coins in low risk, Okay. high yields, Perfect. and then Yeah. I do invest in pretty pretty risky stuff with you A more bit exes. like crypto. Yeah. That's okay. You gotta take a bit of risk to try and get those returns. Understandable. Yep.","start_word":816,"end_word":878,"intents":[{"intent":"Understand risk portfolio","confidence_score":0.0044215308}]},{"text":"It's just a Ford Ranger. Ford Ranger.","start_word":1077,"end_word":1083,"intents":[{"intent":"Confirm vehicle ownership","confidence_score":0.0005883958}]},{"text":"But are you hoping to sort of invest in property, or are you sort of just focusing on these investments that you do have in growing them? I I will.","start_word":1310,"end_word":1339,"intents":[{"intent":"Evaluate investment opportunities","confidence_score":0.026315717}]},{"text":"So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry. My documents are just uploading updating at the moment there. So the balance of your sleep that we have at the moment, it is up to 97,582. So as a Sweet.","start_word":1861,"end_word":1915,"intents":[{"intent":"Check super balance","confidence_score":0.039709706}]},{"text":"We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio.","start_word":2046,"end_word":2074,"intents":[{"intent":"Removing investment underperformance","confidence_score":0.051571928},{"intent":"Analyzing portfolio weaknesses","confidence_score":0.00008057101}]},{"text":"Having investments outside of super is just as important. Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well.","start_word":2194,"end_word":2238,"intents":[{"intent":"Providing financial support","confidence_score":0.005698052}]},{"text":"So it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment. So I would like to maybe look at removing that out of the portfolio, swapping it for something else. Because it is down at the moment, it does mean that we are cementing the loss to that investment. Yep.","start_word":2325,"end_word":2389,"intents":[{"intent":"Identify investment issue","confidence_score":0.00019029817}]},{"text":"I just wanted to sort of find out a bit more about what you would like to see invested with your super debt.","start_word":2439,"end_word":2461,"intents":[{"intent":"Discuss investment options","confidence_score":0.14757963},{"intent":"Explore options","confidence_score":0.006341582},{"intent":"Consider investment options","confidence_score":0.05769481},{"intent":"Consider investment options","confidence_score":0.13310884},{"intent":"Consider investing options","confidence_score":0.028071802}]},{"text":"I'm happy for you to do whatever you feel is comfortable. Yeah.","start_word":2532,"end_word":2543,"intents":[{"intent":"Express satisfaction with arrangement","confidence_score":0.0000267827}]},{"text":"You can benefit from from from some active management in your portfolio. However, active managers don't always perform against the market. They quite often don't. The fact that they do on a regular basis is very rare. In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification.","start_word":2556,"end_word":2615,"intents":[{"intent":"Inquire about benefits of diversification","confidence_score":0.0001726505}]},{"text":"So it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees.","start_word":2628,"end_word":2651,"intents":[{"intent":"Inquire about cost savings","confidence_score":0.005938313}]},{"text":"Beautiful.","start_word":2665,"end_word":2665,"intents":[{"intent":"Express gratitude","confidence_score":0.08407516}]},{"text":"And I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected. Does that sound okay?","start_word":2761,"end_word":2803,"intents":[{"intent":"Explore super fund recommendations","confidence_score":0.0036487747}]},{"text":"How do you sort of feel or see those market reactions?","start_word":3126,"end_word":3136,"intents":[{"intent":"Explore market reactions","confidence_score":0.008150937},{"intent":"Identify market reactions","confidence_score":0.0029371616}]},{"text":"How do you sort of feel or see those market reactions? Oh, no.","start_word":3126,"end_word":3138,"intents":[{"intent":"Understand market reactions","confidence_score":0.5157747},{"intent":"Discuss and discuss market reactions","confidence_score":0.0000030419899},{"intent":"Understand market reactions","confidence_score":0.0227793},{"intent":"Evaluate market reaction","confidence_score":0.019872982}]},{"text":"I don't get that answer very often, and I actually really like it. They always rebound.","start_word":3154,"end_word":3169,"intents":[{"intent":"Emphasize need for market reaction","confidence_score":0.00020559701}]},{"text":"And when I'm looking at the overall rate of return, you're trying to obtain the best rate of return you possibly can from the portfolio given market conditions. Is that about right? Or Yeah.","start_word":3202,"end_word":3235,"intents":[{"intent":"Discuss portfolio dynamics","confidence_score":0.02102051}]},{"text":"I've seen markets Yep. dipping, and I believe it's it's gonna tank even further, and that's sort of my cue to have a look at pulling out of it. Yeah. Perfect.","start_word":3239,"end_word":3269,"intents":[{"intent":"Identify markets","confidence_score":0.000008862125}]},{"text":"The other thing to sort of think about is if you look at risk on on a scale of one to five with a growth portfolio, you're sort of in between that three to four mark. You're not taking the highest level of risk in the market, but you're also not taking the lowest amount of risk. You're obtaining good returns, sort of middle range there. Do you Yep.","start_word":3272,"end_word":3340,"intents":[{"intent":"Consider portfolio benefits","confidence_score":0.000006306121}]},{"text":"Well, I'll double check your investments. I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are.","start_word":3836,"end_word":3867,"intents":[{"intent":"Evaluate portfolio investments","confidence_score":0.002013964}]}]},"sentiments":{"segments":[{"text":"Good morning. Hi, Corey. Hi.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.21496716141700745},{"text":"This is Good morning. Dana from Oakview Financial.","start_word":5,"end_word":12,"sentiment":"positive","sentiment_score":0.3850785195827484},{"text":"How are you this morning?","start_word":13,"end_word":17,"sentiment":"neutral","sentiment_score":0.30952322483062744},{"text":"Good. Not too bad.","start_word":18,"end_word":21,"sentiment":"positive","sentiment_score":0.3882303237915039},{"text":"How are you, Trevor?","start_word":22,"end_word":25,"sentiment":"neutral","sentiment_score":0.3327392637729645},{"text":"You're very well. Thank you. I had you booked in to go through and review today. Is now still a good time there for you?","start_word":26,"end_word":50,"sentiment":"positive","sentiment_score":0.437225878238678},{"text":"Yeah. It's not too bad.","start_word":51,"end_word":55,"sentiment":"neutral","sentiment_score":0.3110312819480896},{"text":"It's probably the best time.","start_word":56,"end_word":60,"sentiment":"positive","sentiment_score":0.48942309617996216},{"text":"Yeah. That's okay. I'll Before catch you we up, jump though. Sorry. no. Stop No. speaking. You're all good.","start_word":61,"end_word":79,"sentiment":"neutral","sentiment_score":0.1059477999806404},{"text":"All good.","start_word":80,"end_word":81,"sentiment":"positive","sentiment_score":0.3419789671897888},{"text":"Before we jump into the call there, Corey, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":82,"end_word":114,"sentiment":"neutral","sentiment_score":0.10148297250270844},{"text":"Fantastic.","start_word":115,"end_word":115,"sentiment":"positive","sentiment_score":0.47855305671691895},{"text":"And just to do security there for you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Twenty twenty twenty third and third, Monte Monty. And I know a handyman there. Yep.","start_word":116,"end_word":159,"sentiment":"neutral","sentiment_score":0.15374429523944855},{"text":"Fantastic. Thank you Thank so you.","start_word":160,"end_word":165,"sentiment":"positive","sentiment_score":0.4130517244338989},{"text":"much Sorry for about that. that. How's your morning been so far? Oh, busy. It's wet, but Oh, really? it's Oh, getting rained on and digging holes.","start_word":166,"end_word":192,"sentiment":"neutral","sentiment_score":-0.10930509120225906},{"text":"you poor thing. It's a shame you don't get the day off when it's wet.","start_word":193,"end_word":207,"sentiment":"negative","sentiment_score":-0.4262382686138153},{"text":"Yeah. I know. Electrician. Thanks. What's that mean? All good. Look. Normally, when we No send big. through go through your annual review, we do send through the annual review documents with you for Yep. you to go through with us. It sounds like you are probably working and maybe not really got access to your emails at the moment. Am I right? Yeah. Yeah. That's okay. Not a problem at all. What I will do is I will just send them through to your email there. That way, they are there and available for you after the call to have a look at it any time that suits yourself. In the Yeah. meantime, Yep. I'll just go through, do your annual review, update all of your circumstances, give you an update on what sort of been going on with your super, and we'll sort of just assess if there's any new advice that needs to be provided. Okay? Yeah.","start_word":208,"end_word":367,"sentiment":"neutral","sentiment_score":0.0488768249633722},{"text":"Fantastic. Because you are at work, if you find that you need to stop or anything, just let me know.","start_word":368,"end_word":387,"sentiment":"positive","sentiment_score":0.42701655626297},{"text":"Alright? Yes.","start_word":388,"end_word":389,"sentiment":"neutral","sentiment_score":0.2291165590286255},{"text":"So it does. Easy. All good.","start_word":390,"end_word":395,"sentiment":"positive","sentiment_score":0.4836921691894531},{"text":"Corey, as part of the review, we will go through and have a bit of a chat about what your sleep has been doing. But is there anything particular you had question wise or anything you wanted me to touch on with regard to your review or anything specific? No. No. I'm pretty good. This is pretty much set Yeah. for get for me, so I don't really monitor it. It's just what it is. Yeah. It works No. out. It That's works okay. out. If it doesn't, it doesn't.","start_word":396,"end_word":485,"sentiment":"neutral","sentiment_score":0.03767628222703934},{"text":"So Well, we definitely wanna make sure it works out for you. We are working towards your goals there.","start_word":486,"end_word":504,"sentiment":"positive","sentiment_score":0.3954455852508545},{"text":"yep. I had done here that I I don't really have a sort of a goal age for when you're hoping to be able to access your super. Are you sort of tracking to try and access super the earliest possible age legislated, or is there a goal age that you were hoping to retire eventually? Yeah. Probably around 50. Perfect. So with the super and the legislation around super, you can't actually access it until the age of 60. If you are wanting to retire earlier, like maybe 50, we will have to look at other ways of building wealth outside of super. Did you wanna focus on down the track on building wealth outside of super to retire earlier, or do you think you'd be happy just accessing super 60? I'm, yeah, I'm already I've been investing for a very long time, so I'm not sort Yep. of reliant on my superb. Yep. That's okay. So you're hoping to access those investments around that 50 to give you a bit of Around a that a buffer? I'm hoping to access it by 60. By 50, I pretty much wanna be set up myself. So Yeah.","start_word":505,"end_word":701,"sentiment":"neutral","sentiment_score":-0.04271568095094056},{"text":"Beautiful.","start_word":702,"end_word":702,"sentiment":"positive","sentiment_score":0.4805542826652527},{"text":"I can see here from one of your last ten year reviews, you have an investment portfolio with some crypto and some other companies in that you're invested in. Is that right? Correct. Yeah. Back then, your investment portfolio was valued or worth about 120,000. What's the values on that now? About 360.","start_word":703,"end_word":755,"sentiment":"neutral","sentiment_score":0.07159490883350372},{"text":"Oh, fantastic. It's done well.","start_word":756,"end_word":760,"sentiment":"positive","sentiment_score":0.5054945945739746},{"text":"Yeah. And that's 60. in Yeah. crypto, yeah, that's in crypto as well as other sort of investments in companies, shares? Yep. A 100 Yep. percent shares, stocks, dividends. Yeah. Fantastic. Yeah. Spend. Fantastic. Spend. Are you in for the individual companies, or are you looking more ETFs and managed funds for those investments? Yeah. Just like it depends on the risk portfolio, really. I'm in some Yep. low like, majority of my coins in low risk, Okay. high yields, Perfect. and then Yeah. I do invest in pretty pretty risky stuff with you A more bit exes. like crypto. Yeah. That's okay. You gotta take a bit of risk to try and get those returns. Understandable. Yep. Fantastic. Just looking at the other investments and other assets that you do have noted here, we also had it noted you had a caravan. Do you still have that caravan? Yes. I do. Yeah. Fantastic. Our value on that one we had down was about 95,000. What sort of value is that to you at the moment? Well, I'm not sure. I've never I've never we live in it full time, so Okay.","start_word":761,"end_word":952,"sentiment":"neutral","sentiment_score":0.007295975927263498},{"text":"have a really bad value that we'll just keep living in it.","start_word":953,"end_word":964,"sentiment":"negative","sentiment_score":-0.35071200132369995},{"text":"That's okay. If you had to sell that or were to sell that, what would you want for it? What value is it to you? I'll probably put $80, I'd sell it for. 80,000? Yep.","start_word":965,"end_word":999,"sentiment":"neutral","sentiment_score":-0.05465077608823776},{"text":"Beautiful. Excellent.","start_word":1000,"end_word":1001,"sentiment":"positive","sentiment_score":0.3710089921951294},{"text":"And do you have any debts on the caravan that's owned outright? No. It's signed out right. Yep.","start_word":1002,"end_word":1019,"sentiment":"neutral","sentiment_score":-0.03704023361206055},{"text":"Fantastic.","start_word":1020,"end_word":1020,"sentiment":"positive","sentiment_score":0.4920506477355957},{"text":"And I also had here vehicles, plural, so I believe it might be two, a combined value of 55,000 last time we sort of caught up. Would you alter the values on the vehicles there at all? Yeah. I've still got one, and it's insured for about 47. Okay. Beautiful. What kind of vehicle is it? It's just a Ford Ranger. Ford Ranger. Ford Ranger. Beautiful. Yeah. And then I've just bought another one, and it'll be it's insured for 117. Okay. Fantastic. And what's that What's vehicle? that? It's a Ford Ranger, but it's Super Duty. Okay.","start_word":1021,"end_word":1118,"sentiment":"neutral","sentiment_score":0.051228467375040054},{"text":"Beautiful. Lovely.","start_word":1119,"end_word":1120,"sentiment":"positive","sentiment_score":0.39238014817237854},{"text":"And, sorry, what was the insured value on that one? 117. 117. Beautiful. And that one's all decked out for the towing. Is that right? It's decked out. Switches and cupboards and yeah.","start_word":1121,"end_word":1153,"sentiment":"neutral","sentiment_score":0.1228494793176651},{"text":"Fantastic. Big towing Nice. capacity on it, so it's good. Excellent.","start_word":1154,"end_word":1164,"sentiment":"positive","sentiment_score":0.6148995161056519},{"text":"And with that newer vehicle, do you have any debt selling on that one? Did you buy it out right? No. I pulled it out. Bought it out right.","start_word":1165,"end_word":1193,"sentiment":"neutral","sentiment_score":0.00888574868440628},{"text":"Fantastic.","start_word":1194,"end_word":1194,"sentiment":"positive","sentiment_score":0.38492339849472046},{"text":"I also had it down here. It might be a while ago now that there was a settlement on a home. Have you purchased a property, or do you have an investment property or main primary residence that you own? No. Not anymore. No. No. That's okay. So that one doesn't exist. Easy. And I did have it down here that you had some cash in the bank around about 48,000. Do you still have any cash sitting in the bank at all? No. Not anymore. Spent Nope. at all. That's okay. That's okay. Sort of with the with the investment side of things, you've got the crypto and the investment there as well. But are you hoping to sort of invest in property, or are you sort of just focusing on these investments that you do have in growing them? I I will. I will. I'm just waiting for a decline in the property market. So Yep. I'm I'm happy just chipping away on my car and paying 250 a week over getting both in an investment property, if you know what Nice. I mean. Yeah. Absolutely. And I mean, if you don't like where you're at at your neighbors, you can pack up and go somewhere else. A 100%. No.","start_word":1195,"end_word":1406,"sentiment":"neutral","sentiment_score":-0.04042558969472939},{"text":"That's absolutely fantastic.","start_word":1407,"end_word":1409,"sentiment":"positive","sentiment_score":0.3927851617336273},{"text":"Just double checking your circumstances. I have it down here that you're married and that you had two financial dependents at home, so two kids. Is that still correct? Yeah. Still the same except by Yep. the end of the year, we're having a third. So Oh, congratulations. she's halfway That's through.","start_word":1410,"end_word":1461,"sentiment":"neutral","sentiment_score":0.09672675281763075},{"text":"fantastic. Thank you very much.","start_word":1462,"end_word":1466,"sentiment":"positive","sentiment_score":0.5810683965682983},{"text":"Three in the caravan.","start_word":1467,"end_word":1470,"sentiment":"neutral","sentiment_score":0.27268490195274353},{"text":"Yay.","start_word":1471,"end_word":1471,"sentiment":"positive","sentiment_score":0.3686289787292481},{"text":"Yeah. And how's how's that going? Oh, they're they're good.","start_word":1472,"end_word":1481,"sentiment":"neutral","sentiment_score":0.20370037853717804},{"text":"They're very good.","start_word":1482,"end_word":1484,"sentiment":"positive","sentiment_score":0.4325674772262573},{"text":"My two kids, they're a bit older now, so they can Yes. wipe their bum and feed themselves. It's all that matters, really.","start_word":1485,"end_word":1507,"sentiment":"neutral","sentiment_score":0.10710997134447098},{"text":"Oh, fantastic. Fantastic.","start_word":1508,"end_word":1510,"sentiment":"positive","sentiment_score":0.3748053312301636},{"text":"And your wife is Alice, and I've got her down as your next of kin. That's correct. No need to change any of that at all. No. It's No. Beautiful. pretty good. I know it sounds silly, but that's always worth just double checking because not everyone wants their status of next of kin, believe it or not. So it's always worth double checking that one. Oh, no. She's She's a good egg, it sounds like. Yes. Very good.","start_word":1511,"end_word":1589,"sentiment":"neutral","sentiment_score":0.06184844300150871},{"text":"Fantastic.","start_word":1590,"end_word":1590,"sentiment":"positive","sentiment_score":0.33388227224349976},{"text":"Employment wise, any changes or pay increases in your role? How's everything going at work? Yeah. So I've just started because I traveled for a couple years, and I've Yep. just started as a project manager as an electrician in Dunsborough, Oh, fantastic. WA.","start_word":1591,"end_word":1634,"sentiment":"neutral","sentiment_score":0.08813578635454178},{"text":"Oh, So lovely. and I'm on a hundred and sixty years. Excellent. Excellent. 160,000 per annum. Beautiful.","start_word":1635,"end_word":1651,"sentiment":"positive","sentiment_score":0.4774455428123474},{"text":"Are you it looks like you're not making any additional contributions to soup at the moment. Are you interested in making any additional contributions over and above your employer, or are you preferring to put all of that extra money into your investment status status for the Build the Welfare? Hey. Can I just put you on hold for two seconds? Yeah. Absolutely. Yep. Thank you. Yeah. Sorry about that. No. That's okay. No. That's Not a problem at all. All good. So just sort of where we left off, okay. just sort of talking about additional contributions, are you open to making additional contributions to super, or are you preferring to put all your extra cash into the investments outside of super to build that wealth side of things? I just put extra cash outside of super. Not Yep. too That's interested. okay. I might not make 60, so it's better Well, off for I me certainly to hope invest in myself. I certainly hope you do make 60. Oh, good. That's not a problem at all.","start_word":1652,"end_word":1829,"sentiment":"neutral","sentiment_score":0.025130324065685272},{"text":"And I can see your employer's making those regular contributions in, which is fantastic to see.","start_word":1830,"end_word":1845,"sentiment":"positive","sentiment_score":0.4089975953102112},{"text":"To give you, Yep. sorry, a bit of an update on your state today, Corey. So last time we were able to sort of check-in, your super balance was about 84,209, which as of today's date, we're just sorry. My documents are just uploading updating at the moment there. So the balance of your sleep that we have at the moment, it is up to 97,582. So as a Sweet. net return, even with what's been going on, you've made about a 8.56% return net of fees, which is good to see.","start_word":1846,"end_word":1937,"sentiment":"neutral","sentiment_score":0.10007711499929428},{"text":"That is good.","start_word":1938,"end_word":1940,"sentiment":"positive","sentiment_score":0.4149680435657501},{"text":"Yeah. Yeah. So one of the things we do I can look at with you, Super, is just making sure that you are invested correctly. And so I did sorta have a bit of a look at how your investments have been performing there. Realistically, all of them have been performing really well, even with what's been happening globally, and you've probably heard about what's been happening in the news between, The US and Iran and now high interest rates here and everything occurring, which does affect markets on a on a global scale there. As I kinda mentioned, everything has been performing quite well.","start_word":1941,"end_word":2045,"sentiment":"neutral","sentiment_score":0.14622981023220788},{"text":"We have just noticed one investment has been underperforming a little bit there, and I would really like to make a a switch and remove that from your portfolio.","start_word":2046,"end_word":2074,"sentiment":"negative","sentiment_score":-0.4509783387184143},{"text":"You said you don't really look at your super very often. Is that right? Yeah. That's correct. I mean, you guys Yeah. send through what you buy and purchase and sell and all that sort of stuff, but I'm not really relying on it. It's sort of Yeah. like a No. fingers crossed thing that it goes good, and then I make 60 and then there's a good pool there. But Yep. I'm I'm No. sort Perfect. of relying on myself on my own. Yeah. That's okay. It's not a problem at all. Look. You should never put all your eggs in one basket, and super is just one aspect of building wealth and and looking at retirement. Correct. Having investments outside of super is just as important. Being able to build wealth in other areas to supplement income in the short term if you did sort of need any additional support, but also to supplement super in the long term there as well. Yep. With your investments, you had originally been recommended the Benelon Australian Equities. The Benelon is an active investment manager. Their job will they're supposed to be outperforming against the market or the industries that they're tracking, but they haven't been able to do so. So one of the underlying investments has had some legal troubles there. I Yep. sort of had a bit of look at your portfolio. They are down a little bit at the moment, but your other Australian exposure is up. So it kinda tells me there's more of an issue underlying with the investment as such as opposed to the Australian equities portion of your investment. So I would like to maybe look at removing that out of the portfolio, swapping it for something else. Because it is down at the moment, it does mean that we are cementing the loss to that investment. Yep. But because we can also go back and just review the investment portfolio as a whole, maybe do a bit of rebalance there.","start_word":2075,"end_word":2411,"sentiment":"neutral","sentiment_score":0.009750932709311166},{"text":"Cementing the loss at the moment is a bad thing.","start_word":2412,"end_word":2421,"sentiment":"negative","sentiment_score":-0.5526692271232605},{"text":"We can utilize that loss to offer any additional gains that the other investments may have made. I just wanted to sort of find out a bit more about what you would like to see invested with your super debt. So as I kinda mentioned, the Better Long is more of an actively managed fund. I could, if you like, look at replacing that with a different actively managed fund, or I could look at an investment that's a bit more lower cost, maybe provides a greater diversification, and it's more passively managed. Did you want me to sort of look at either one of those? What's your preference there?","start_word":2422,"end_word":2531,"sentiment":"neutral","sentiment_score":0.0745205506682396},{"text":"I'm happy for you to do whatever you feel is comfortable.","start_word":2532,"end_word":2542,"sentiment":"positive","sentiment_score":0.3978450894355774},{"text":"Yeah. That's okay. I mean, realistically, with where you are, you are young.","start_word":2543,"end_word":2555,"sentiment":"neutral","sentiment_score":0.2604065537452698},{"text":"You can benefit from from from some active management in your portfolio.","start_word":2556,"end_word":2567,"sentiment":"positive","sentiment_score":0.3376027047634125},{"text":"However, active managers don't always perform against the market. They quite often don't. The fact that they do on a regular basis is very rare. In all honesty, looking at something a bit more lower cost, maybe an index fund to replace that can give you greater diversification. Instead of having 15 underlying investments, you could have, you know, 200.","start_word":2568,"end_word":2627,"sentiment":"neutral","sentiment_score":0.10677681118249892},{"text":"So it provides greater diversification, helps to lower the overall risk, but could also be cheaper for your portfolio, save you on investment fees.","start_word":2628,"end_word":2651,"sentiment":"positive","sentiment_score":0.3863678574562073},{"text":"Are you comfortable with me looking at that for you? Yeah. 100%.","start_word":2652,"end_word":2663,"sentiment":"neutral","sentiment_score":0.228231281042099},{"text":"Yeah. Beautiful.","start_word":2664,"end_word":2665,"sentiment":"positive","sentiment_score":0.572021484375},{"text":"I do also go back and have a look at how they have performed over the past as well, making sure we have greater past performance to make sure putting that in there does give you access to potential greater future performance as well, but also making sure that we understand the CGT effect in your super fund. Because like you do a tax return every year, your super fund also does a tax return. So just making sure that we, you know, can mitigate whatever CGT costs that your super fund needs to pay. And I can update the advice document for you, show you what we're recommending with regard to the switch, the CGT impact, the fee impact on your super, and the impact for you over the next ten years projected. Does that sound okay? Yeah.","start_word":2666,"end_word":2804,"sentiment":"neutral","sentiment_score":0.1577278971672058},{"text":"That sounds good. Yeah. Beautiful.","start_word":2805,"end_word":2809,"sentiment":"positive","sentiment_score":0.4798375368118286},{"text":"Did you have, like, further questions for me to kinda break anything down further for you, or is that all okay? No. No. I'm I'm I'm pretty much happy with it anyway. Yep. That's okay.","start_word":2810,"end_word":2844,"sentiment":"neutral","sentiment_score":0.03181114047765732},{"text":"All good.","start_word":2845,"end_word":2846,"sentiment":"positive","sentiment_score":0.4128926992416382},{"text":"Well, I'll go back and have a bit of a look there for you. Now I also just wanted to run through a really quick risk profile just sort of making sure that you are invested correctly. You do have you you are more of that growth environment, which sort of sees a 8% in growth at investment and 20% defensive investment. So looking at greater diversification, holding some low risk investment as well as the higher risk areas to kind of obtain future growth. Having a look, I'm just updating some of these questions that you did answer last time. You do have individual shares in crypto in your portfolio outside of super, so you are pretty well versed in how investments work there. So I'm just gonna tick the box to say that you pretty well have a good understanding. When it comes to the time horizon, because you are still very young, can't really access supers at the age of 60. I'm ticking off the boxes because you have greater than ten years ahead of you there. You sort Yep. of also mentioned to me that you don't is sort of a a backup area. You know, you see what happens and how far you get and, you know, what you've got when you get to that point there. It's not kind of your main priority at the moment, but how do drops in the market kinda make you feel if you saw, you know, a 10 or 20% drop over the next one, two, or three years? Do you think you're looking at that as the an investment opportunity? Are you feeling a bit concerned? How do you sort of feel or see those market reactions? Oh, no. I I see all the drops as opportunities. Definitely. Yep.","start_word":2847,"end_word":3148,"sentiment":"neutral","sentiment_score":0.042631607922102445},{"text":"Beautiful. Beautiful.","start_word":3149,"end_word":3150,"sentiment":"positive","sentiment_score":0.4859582781791687},{"text":"You know what? I don't get that answer very often, and I actually really like it. They always rebound. Always. They always do.","start_word":3151,"end_word":3173,"sentiment":"neutral","sentiment_score":0.16248810291290283},{"text":"I absolutely completely understand. That's fantastic.","start_word":3174,"end_word":3179,"sentiment":"positive","sentiment_score":0.5028443932533264},{"text":"It's So just you wouldn't the time sort of horizon be worried by how many it takes. That's all. yeah. Absolutely. Absolutely. And when I'm looking at the overall rate of return, you're trying to obtain the best rate of return you possibly can from the portfolio given market conditions. Is that about right? Or Yeah. Of course. Yep. I've seen markets Yep. dipping, and I believe it's it's gonna tank even further, and that's sort of my cue to have a look at pulling out of it. Yeah. Perfect. Yeah. Perfect. The other thing to sort of think about is if you look at risk on on a scale of one to five with a growth portfolio, you're sort of in between that three to four mark. You're not taking the highest level of risk in the market, but you're also not taking the lowest amount of risk. You're obtaining good returns, sort of middle range there. Do you Yep. feel like that sort of fits your comfort level when you consider the risk versus reward sort of scenario? Do you feel like you would wanna take a bit more risk to get greater potential returns, or do you feel like that middle sort of ground No. is comfortable I'm put I'm for you? I'm I'm pretty much in middle market. I mean, when Yep. I purchase things and stuff like that, most of my portfolio is in low risk stuff Okay.","start_word":3180,"end_word":3422,"sentiment":"neutral","sentiment_score":0.027899701991444262},{"text":"because I'm I'm happy to keep it all and not see it all disappear. Beautiful.","start_word":3423,"end_word":3437,"sentiment":"positive","sentiment_score":0.5049003958702087},{"text":"So that's You have probably to look at you. Yeah. more me. Yeah. I'd probably do, like, 80 in the low risk and play with 20% in the high risk place. Yeah. Well, with the portfolio you have at the moment in, you have the opposite way around. So 80% in those higher risk investments, so things like international Australian equities. We have also property and also commodities like gold and silver, and then the other 20% in those defensive lower risk investments like cash bonds and fixed interest. Well, I don't This mind sort holding of gold and silver. That's for sure. absolutely.","start_word":3438,"end_word":3541,"sentiment":"neutral","sentiment_score":0.03426139056682587},{"text":"And gold has done really well in your portfolio.","start_word":3542,"end_word":3550,"sentiment":"positive","sentiment_score":0.4774585366249085},{"text":"It's returned It's over 20% for the year.","start_word":3551,"end_word":3558,"sentiment":"neutral","sentiment_score":0.29325875639915466},{"text":"So it's pumping. it is it is doing very, very well, and it does work both ways.","start_word":3559,"end_word":3575,"sentiment":"positive","sentiment_score":0.42501434683799744},{"text":"The gold is technically a growth investment. However, it does have defensive principles and defensive it is defensive in nature at certain times in Yes. the in your A responses. 100%. So it is really great to hold there, and I would not be wanting to remove that from your portfolio. I might just look at rebalancing it, just look at the risk level, maybe rebalance things a little bit so that we're compounding. And I'll come back and show you the advice documents, show you what I'm recommending we do, and what changes we make, and how that's gonna benefit Yep. you. Okay?","start_word":3576,"end_word":3679,"sentiment":"neutral","sentiment_score":0.1901916861534119},{"text":"All good.","start_word":3680,"end_word":3681,"sentiment":"positive","sentiment_score":0.4370166659355163},{"text":"So just with that growth portfolio, you have scored in that sort of growth range. You are in that growth environment at the moment. A growth portfolio normally suits someone who has at least six years before they accessing their sleep, but you've got more than triple that. So you've got plenty of time ahead of you before accessing your sleep at this time frame. With that growth environment, we're chasing about a seven to 9% annual compounded return. And the fact that you've got that 8% return there means you've hit that range for the year. You're in the middle of that sort of expected rate of return. And the likelihood of a negative year is about one in every sort of five years with this sort of portfolio. Do you feel comfortable remaining in that sort of environment within Super? Yeah. That's that's that's the way I wanna be. Yep.","start_word":3682,"end_word":3833,"sentiment":"neutral","sentiment_score":0.06416726585379556},{"text":"Beautiful. Beautiful.","start_word":3834,"end_word":3835,"sentiment":"positive","sentiment_score":0.5152745246887207},{"text":"Well, I'll double check your investments. I'll go back and just sort of have a look at everything, how it's structured, what the risk level is you're taking, how diversified you are. I'll look at removing the underlying then along that has been underperforming for you, and I'll show you Yep. what we'll replace it with, how that affects you, the cost involved, and then you can let me know what you wanna decide. Does that sound okay? Yeah. That sounds good. Hey. I'll hate to cut short, but I've got four blokes staring at me. Fantastic. Oh, that's okay. The only other last thing I needed to double check was your insurances. You've got your Yep. life, your TBD. It's the current sum insured is 1,400,000. Are Yep. you happy with those? Did you wanna alter the insurances, the life, TPD, or income protection at all? Nah. They're all good.","start_word":3836,"end_word":3986,"sentiment":"neutral","sentiment_score":0.05571671202778816},{"text":"I I like I like that super face of that.","start_word":3987,"end_word":3996,"sentiment":"positive","sentiment_score":0.5400499105453491},{"text":"Yep. That's okay. Not a problem. And just with your beneficiary side of things, you're hoping to keep Alice as your beneficiary on your life and your super. Is that right? 100%. Yep.","start_word":3997,"end_word":4029,"sentiment":"neutral","sentiment_score":0.17420916259288788},{"text":"Fantastic.","start_word":4030,"end_word":4030,"sentiment":"positive","sentiment_score":0.44331830739974976},{"text":"Not a problem at all. Well, look, I will let you go. I've sent the annual review pack to you. It does have all those documents in there. Have a look at them. If you have any questions or wanna review any of them, come back and let me know.","start_word":4031,"end_word":4080,"sentiment":"neutral","sentiment_score":0.20045551657676697},{"text":"Awesome. I've also got the ongoing service agreement. So to remain on board and have us continue looking after your super, we just get you to return that back.","start_word":4081,"end_word":4109,"sentiment":"positive","sentiment_score":0.48256486654281616},{"text":"Our normal fee is 1.65%, but yours is reduced to 1.1 because we have yourself and our associates clients Done. there.","start_word":4110,"end_word":4130,"sentiment":"neutral","sentiment_score":0.1846098750829697},{"text":"Love it. And I've also got the ongoing service, so the financial services guide for you to have a look at, which has a picture of me and all of my information in there for you in case you wanted to review that.","start_word":4131,"end_word":4173,"sentiment":"positive","sentiment_score":0.38415542244911194},{"text":"But I'll add a few more details in the email there.","start_word":4174,"end_word":4184,"sentiment":"neutral","sentiment_score":0.1620778739452362},{"text":"Let me know if there's any questions, but I thank you so much for your time, Tory. Thank you very, very much. I hope you have an awesome day. Yeah. You too. Thank you. See you later. See you.","start_word":4185,"end_word":4223,"sentiment":"positive","sentiment_score":0.5970252752304077},{"text":"Bye. Bye.","start_word":4224,"end_word":4225,"sentiment":"neutral","sentiment_score":0.1860700696706772}],"average":{"sentiment":"neutral","sentiment_score":0.08576382848712853}}}}