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I do apologize. Oh, really? I'm so sorry to hear that. All good. Oh, well, look. I just had you booked in for your annual review. Is now still a good time to run through things with you? Yeah. Fantastic. All good. As part of your review, is there anything sort of particularly you wanted to touch base on? I know looking is super is probably an important thing at the moment, but is there any other questions you might have for us at the moment? Or Yep. Yep. Yep. No. That no. That's okay. And, honestly, it's probably a good thing at the at the moment with everything that is going on with what's happening with Iran and The US. We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates. So it's kinda hitting us on two fronts at the moment. The higher inflation's been affecting things like bonds and fixed interest rates, but then also what's happening overseas is sort of affecting equity. So we have seen some extreme pretty high volatility for this year. I've kind of sent a couple of reports to have a bit of a look at things for you. So at the moment, when we have a look at your super, it is showing a little bit of a it's not a negative return. So for the last twelve months, you are still up. And when we look at the returns, we look at the internal rate of returns and not including your contributions, and it's after fees. It is less than 1%, so 0.4%, but it is still a positive return for the twelve months. So it is still good to see a positive even though we are seeing the volatility side of things. When I kind of sorry. Different. Yes. Ethical. Yeah. Yeah. And that's a good question. So with other clients that may have unethical portfolios, some of them are still seeing good rates of returns when they're sort of investing in But we have also had a few that have had negative rates of returns over the last year as well. So for your portfolio, even though you are still green with an ethical environment, you do tend to see lower rates of returns than unethical portfolios because the market tends to most people and the market as a whole tend to reward unethical investments that see higher rates of return. But your portfolio is actually performing better than a lot of those unethical portfolios at the moment. Whilst you're still seeing that volatility, the fact that you've come up with a negative return even though it's less than 1% is still a positive a positive thing. I've done plenty of annual reviews this year where we've had negative returns. So you've you've come up with a positive, which is good. To kinda sort of see where things have been going, when I look at your portfolio as a whole, your best month was kind of up until October. From October is when we sort of see a lot of that volatility with what was happening. We had The US and China. We had interest rates rising as well, and then, obviously, this issue with Iran and The US, which has seen equity take a bit of a dip. So October was where your portfolio was generally at its highest, and you had some really great returns then. But then since then, we've seen the volatility with some some dips. We've seen partial recovery points. And then from this year from January to generally about March, the thirtieth is where we've seen the biggest dips with what's been occurring with The US and Iran. And then in the last sort of two weeks from the April 1, we have seen a little bit of a recovery back in your portfolio there. So when I kind of look at the last last year as a whole or from, say, January to October, you've made about a 4.33% return there. So you were on track for a really good positive return from that point onwards. Unfortunately, then we saw that volatility, which is where your portfolio has taken a bit of a dip down. From that point, you've dropped a fair bit. In the last two weeks from the first of of April 1, sorry, to now, you've actually seen a little bit of a recovery point. So your portfolio has come back by 2.37%, and yesterday, it made a 1% and a return as well. So we are seeing a bit of a recovery point, which is great, and that's all sort of coming to encompass, you know, with what we've seen in the last twelve months there, and that recovery is giving you a positive return for the last twelve months, which is what we wanna see. But with where we are at the moment with what's happening, we are gonna see more volatility moving forward. When I look at the indicators, things like the fixed index, which tells us, you know, essentially what kind of market sentiment is or what kind of volatility can be expected over the next sort of month or so, that index is still showing up over 20%. So when you look at the VIX index, if you're looking at that and it's got a 20% or higher, it shows that over the next sort of month, you can expect volatility. If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile. That's basically from January onwards, it has been up over 20%, has been decreasing slowly. But it all comes down to what Trump does as well. So one day, you know, he says things are doing well. We hear some good things about what's happening with Iran and the straight and everything, and, you know, the market increases slightly because investors have a bit more confidence in what they're doing. And then the next day, he yells at someone's swears on social media and attacks another country or something, and then everyone sort of sells out again, and we see a bit more volatility there. So there are a lot of unknowns at the moment. We're kinda just working on day to day with what we can see. But, yeah, look, there was a point where you did have a bit of a negative return between sort of October to to now, and then from sort of the April 1 onwards, you've had a bit more of a positive comeback, which is giving you that positive return. So it is lower than what we'd like for the portfolio. But given that you are quite green and still coming up with a positive is a good sign, I would like to just sort of keep watching it to see what happens over the next kind of one to two to three months to see whether we need to make any changes or whether we're gonna see a bit of a recovery point there for you. Does that make sense? Do you have any other questions about that? Yeah. Yeah. So when I have a look at it at the moment, I'm just going back to the other portfolio because I have a a stick in front of me. So two of your investments are showing a little bit of a negative at the moment. So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down. It is still a good investment, though. So whilst it is had a had a bit of a rough patch tech and cybersecurity as a whole, it is still a good investment. I wouldn't wanna sell that as of yet. I think whilst it is down at the moment, it is showing that it can come out and show a positive return. I wanna see it come out and provide greater gain. Whilst it's down at the moment, it's essentially discounted and your rate of return discounted rate. So when your contributions are going in, we still wanna buy into those downtimes and really take advantage of the discounted unit pricing for the investment. The other ones here, so, which is the beta shares all these sustainable ETF and the SE, which is another sustainable ETF that you've got in there. They're both showing down again, but, again, it's they were all showing positive up until kind of January this year, which is when everything sort of takes that really big dip down. So everything that is down is down because of the wider with what's happening in the wider in the wider world and with the equities as a whole. It's not anything particular in the investment that's making it undervalued or making it a bad investment. Everything is still a positive investment. It's just seeing that volatility because of the sell off, because of investor confidence being unknown and because of the volatility that we are seeing. So right now, there's nothing I would wanna take out of that portfolio. I'm very hesitant about cementing losses right now. I'd like, right, to see them sit for a bit longer. Yeah. See if it can come out. We can definitely do another catch up maybe in, you know, two or three months and see how things are going. I obviously look at all these portfolios on a regular basis, spend a lot of my day sitting in front of so I've been talking to clients and doing advice and everything. I also have a lot of things on my computer, and I sit down and look at what's happening with the market and what's happening with the individual investors and sort of having a look at everything there as well. So right now, it's all all good. Yeah. Does that sort of answer the questions a bit for you? Did you want me to break it down more for you? That's okay. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Absolutely. Yeah. Yep. And you're still young. You've got a lot of time ahead of you there. And, I mean, we are seeing a lot more people going into the ethical environment there. I did do a comparison for you. So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally. Australian Ethical are also noting down, in their investments over the last one to three months. Essentially, their balance investment for the three months is down 3.2% for the last their growth investment's down 3.8 for the last three months. Their high growth is down 4.4 for the last three months, and their Australian and international shares are down 8.37.6%. So your portfolio has definitely well, it's still seeing that volatility has definitely still performed a bit better than the Australian ethical investments that we moved you out of. So I just wanted to make sure I had that comparison for you as well. Okay. Sorry. I thought I lost you. Sorry. Yeah. Yeah. It absolutely has been worthwhile to move. They don't update their returns as regularly as what we can see here. The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better. It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone through. So whilst your portfolio is still going through those ups and downs, it hasn't dropped as heavily as the as the investment within ethical super. So it was definitely a good idea to move. We're still watching things, and you've actually come out higher than what they've they've reported. So we have to go back and we have to go back and look at their website to see what kind of what they've reported on. They report on gross returns. They also report. And, look, it's not a perfect comparison because they're reporting growth, and it's not in particular added to any particular portfolio. So someone in ethical super may not have forgot the exact return that we're reporting on, but they're reporting on essentially a gross return of what their portfolios have averaged, whereas the return I'm giving you is more clarified to your portfolio. It's not a perfect not a perfect sort of fit. But, yeah, I like it. I'm happy with it. I think your portfolio has done really, really well. These investments have done great up until this point, and just going through this cycle and letting it come out on the other side and then seeing where we go from here would be a good idea. Hesitant to sell anything right now, I don't wanna cement losses for no particular reason. You are still really young, and you've got a lot of time ahead of you. As you said, these are long term investments. We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to. Does that sound okay? Yep. Perfect. Well, last year for the calendar year up until October, you were trendy you were up that 4.33%. So you were on track for about a 6% return. In the growth portfolio that you're in, we're looking to try and obtain about a seven to 9% return. So anything under that sort of 7% is technically underperforming. Anything over that 9% is, you know, doing really, really well. The only thing that could be a little bit different with your portfolio is that you are more ethical. So ethical portfolios tend to get a lower rate of return. So I've been looking when we're looking at that, we're looking at that over the longer term to averaging over, you know, the next one, two, three, ten years to see what that kind of averages out and sort of see where things are going. But right now, the fact that you've come out with a positive return over the last twelve months even with what we're doing is still a good sign. It is showing that your portfolio does recover. It does show good potential growth. It does see those downtimes like every other investment out there. But the other thing to sort of remember is that 90% of market movements are just investors getting nervous with what they're seeing, what they're doing. Human beings are not rational creatures in any way, shape, or form, and I'm here to sort of stop you from making, you know, making changes to your portfolio based on, you know, the way we feel. Because 90 of, you know, buyers and sales are just emotional emotional reactions people feel. They see something they don't like, and they go, oh, I've gotta get out before somebody else knocks me out. So it's a lot of it is just emotional human reaction to what what they're hearing and seeing and feeling in the market or in the news. So yeah. That's that's okay. Yeah. Yeah. No. That's okay. Mhmm. Yeah. No. That's okay. So I've been having a bit of a look around. Majority of the investments I mean, you've got the good quality ones in here that we've got. I have seen a few others that we could maybe add into the portfolio. What I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio. I can double check that we don't, you know, see how your make sure your asset allocation is in line with that gross percentage correctly between all the investments there. I can have a bit of a look at maybe see if there's anything that we need to maybe add to kinda give it a bit of a boost, but also making sure that we're not, you know, cementing anything too drastic. We're not causing any big CDT consequences for your portfolio, that we're not, you know, cementing losses and causing a bit of a detriment. If there is anything, I can always update the advice to reflect that for you. If there's not, I can send you an email and go, hey. Look. This is kind of where we're tracking. We we don't really need to change anything right now. Let's come back and look at it down the track. Does that sound okay? Yeah. Perfect. Excellent. So I'll go back and do that research. It's not a problem at all. Okay? Excellent. Is there any other questions you had in relation to the portfolio or your super? Or no? Oh, good. All good. After the call, I will send you an annual review pack as well, which does have some of the reports in there for you to have a bit of a look at. It's also got the financial services guide in there for us. It's also got a few additional documents attached. So one of the things we are getting updated is the tax file consent form. We obviously do hold your tax phone number. We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold. So we are just setting a tax file consent updated to make you aware that we do hold that. With your insurances here, so we obviously retained your your Smart Monday for your life and CBD, and you've got your ClearView cover there as well with the income protection side of things. I just wanted to make sure they're all still appropriate for you. With the okay. Right. Right. So there could be a change in the income protection sorry. Life and CBD side of things? Yep. Total term disability? Yeah. Oh, gosh. Okay. That's yes. Income protection. That's with Clearview. No. That's correct. Yeah. That was to cover the income in the short term. The income protection was based on your income at the time of about 130,000. Has your income changed since we last caught up at all? Yeah. That's okay. That's not a problem at all. So at the moment, you've got the income protection covering you for a monthly benefit of 5,121. You've got a ninety day wait and a five year benefit. If at any point you decide you wanted to reassess that, let me know. Alternatively, you can always let me know once you've had a new performance review with regard to your income. And if it goes up, then we can always come back and review that. That's absolutely fine. And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals. Okay? Yeah. Beautiful. But I've also got those summaries with the up with the information we had on the in in the insurances in that email for you to review there as well. If you find you have any questions in relation to any of it, you're welcome to let me know. Okay? All good. The other thing I just wanted to sort of touch base on, obviously, you're in that growth sort of environment there. Normally, a growth portfolio encompasses about 80% in those growth investments. So we tend to look at Australian international shares, generally some gold and silver and things like that in there as well as your growth investments. Did you wanna kind of reevaluate the risk level you're taking, or are you comfortable staying in that growth environment for the time being? Still okay? Yeah. Beautiful. Yeah. That's Will we be on the phone if that happens? I can tell you. I think I will all be jumping up and down. No. No. You are fine. You are fine. Yep. Yep. Yep. Yep. Yep. No. No. Oh, yeah. No. I completely understand what you're saying. It's yeah. I don't disagree in any way, shape, or form, so don't worry. It's all good. It's it's pretty difficult to sort of look at what we're doing. I know the other couple of weeks back, we did sort of sit back down and have a chat with some of the economists that we do have access to. And, like, even they're saying, you know, we don't really know what's gonna happen. It's kind of a week by week scenario. The only thing they're sort of expecting is the inflation to keep growing. But when it comes to the the war and what's happening between The US and Iran and everything there, it's there's there's no one can determine what's going to happen. It's too unknown. There's too many variables, and it changes on an hour by hour basis at this time. So yeah. Yeah. No. All good. All good. Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at. Let me know if you do happen to have any questions there. You with your time horizon, your age and stage and everything, the growth portfolio still suits where you're at. I'm more than happy to keep you in that environment. If you find you are uncomfortable, wanna have a look at things, let me know. I'm more than happy to do so. I'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line. I'll see if we need to maybe rebalance anything or if there's any maybe ethical areas that we haven't sort of touched on that we might be able to update your portfolio to. But I'll consider, obviously, taxation consequences there for your super as well, and also make sure that we're not, you know, overly overly cementing unnecessary gains or losses. If there is any reason to not change, I'll just shoot you an email and let you know that we've done the research. Saying where you are is fine for the moment just so you're aware either way. But if there is a reason to update the advice, I'll definitely do that for you. Is that okay? Yeah. That's okay. Not a problem at all. As part of, obviously, the annual review, we are sending out the ongoing service agreement for you. So you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there. It is 1.65% per annum. That is a yearly figure, so it is as a percentage base fee, does fluctuate with the market. So the idea of that is when the market's doing really well, when your portfolio has got a great return, then our fee does increase with it. However, when the market takes a bit of a dip due to what we're seeing at the moment, it means that our fee does take a bit of a dip there with it as well. But do you have any questions around how the fee works or anything else with regard to us? Or No. That's okay. Perfect. Is there anything else that you wanted me to sort of touch base on? Is there any major changes to your life over the last twelve months at all? Or no. That's okay. I'll just quickly update your assets as well. Your main primary residence there, Anthony, the sorry. The value we have was about 450,000. Would you change that at all? Yeah. Yep. Yep. Okay. Yep. Yeah. No. That's okay. Not a problem at all. Loan value, we had you owed about 220,000. Have you been able to decrease that loan at all? Yeah. What? You're right. Yep. Perfect. Thank you so much for that. Motor vehicle current asset sorry. Asset value is about 30,000. Would you alter or change that in any way, shape, or form? Yep. Perfect. And your loan on the motor vehicle was about 17,000. Has that decreased a bit as well? That's okay. Yep. Perfect. Fantastic. An offset account had about 44,008 hun sorry. 44,580 in there. Have you increased what's in the offset account a little bit? Yep. Yeah. Yep. 16900. Beautiful. Thank you so much for that. Is there any other changes to your assets? Have you added anything, any shares or collections or anything else of value that you'd wanna sorta note down? Yep. Yep. It's TMC. Yep. Perfect. What's the value of those? If you're not sure, that's okay. Yeah. That's okay. Just Yeah. That's okay. What's the total value? Yeah. Yep. Beautiful. Thank you so much for that. Excellent. Other than that, have you I'm just looking at the estate planning side of things as well. We don't sort of have any updates there. Have you got a will? Have you ever had a will and power of attorney drawn up? Yep. Perfect. Just a will so no power of attorney? Yep. That's okay. Beautiful. On your super, I've got your your beneficiary noted as your legal personal representative. So noting that in the event of passing, it all goes through to your will. That's still how you want that to be noted. Yep. Yeah. Absolutely. Absolutely. And any changes to, like, your marital status? I've got you down as still single. Beautiful. Beautiful. I have your next of kin noted as Sam Gagliano. Yep. Beautiful. Did you want is your next of kin still appropriate for your circumstance? You're still happy to keep Sam as your next of kin? Yep. Beautiful. Lovely. Excellent. And any other additional goals over the next sort of sorry. Okay. Yep. Sorry about that. Yep. Okay. Yeah. Yeah. That's okay. Yeah. No. That's absolutely fine. It's not a problem at all. Excellent. And do you have any other goals that you're looking to achieve over the next twelve months at all? Or go on a holiday? Yeah. No. That's that's okay. Have you got a hold yes. Beautiful. Beautiful. Have you got any plans for a holiday so far, or you're just looking wanting to go on one? Yes. Yeah. Perfect. No. Excellent. All good. Well, that's everything that I needed to touch base on. I know you're extremely busy, so I will let you go. I'll get the annual review pack out to you very shortly, and I'll start the research on things for you. In the meantime, if there's anything else that you do need, please let me know, and I'll definitely look to do a bit of a catch up with you. Is three months okay, or did you wanna catch up at any specific time of the year this year? Or three months is fine. Beautiful. Lovely. All good. Well, thank you so much. I hope you have a good day. I hope things get a bit better for you. And, yeah, August, I'll do research and get that annual review pack out to you very shortly. Okay? My pleasure, Anthony. I hope you have a great day, and thank you so much for calling back. Thanks. See you later. 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afternoon. This is Dana. That's okay, Anthony. You're having a busy day today. Oh, really?\n\nSorry. You're having a a bad week. Oh, oh, I'm sorry. I missed that. The phone just cut out.\n\nI do apologize. Oh, really? I'm so sorry to hear that. All good. Oh, well, look.\n\nI just had you booked in for your annual review. Is now still a good time to run through things with you? Yeah. Fantastic. All good.\n\nAs part of your review, is there anything sort of particularly you wanted to touch base on? I know looking is super is probably an important thing at the moment, but is there any other questions you might have for us at the moment? Or Yep. Yep. Yep.\n\nNo. That no. That's okay. And, honestly, it's probably a good thing at the at the moment with everything that is going on with what's happening with Iran and The US. We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates.\n\nSo it's kinda hitting us on two fronts at the moment. The higher inflation's been affecting things like bonds and fixed interest rates, but then also what's happening overseas is sort of affecting equity. So we have seen some extreme pretty high volatility for this year. I've kind of sent a couple of reports to have a bit of a look at things for you. So at the moment, when we have a look at your super, it is showing a little bit of a it's not a negative return.\n\nSo for the last twelve months, you are still up. And when we look at the returns, we look at the internal rate of returns and not including your contributions, and it's after fees. It is less than 1%, so 0.4%, but it is still a positive return for the twelve months. So it is still good to see a positive even though we are seeing the volatility side of things. When I kind of sorry.\n\nDifferent. Yes. Ethical. Yeah. Yeah.\n\nAnd that's a good question. So with other clients that may have unethical portfolios, some of them are still seeing good rates of returns when they're sort of investing in But we have also had a few that have had negative rates of returns over the last year as well. So for your portfolio, even though you are still green with an ethical environment, you do tend to see lower rates of returns than unethical portfolios because the market tends to most people and the market as a whole tend to reward unethical investments that see higher rates of return. But your portfolio is actually performing better than a lot of those unethical portfolios at the moment. Whilst you're still seeing that volatility, the fact that you've come up with a negative return even though it's less than 1% is still a positive a positive thing.\n\nI've done plenty of annual reviews this year where we've had negative returns. So you've you've come up with a positive, which is good. To kinda sort of see where things have been going, when I look at your portfolio as a whole, your best month was kind of up until October. From October is when we sort of see a lot of that volatility with what was happening. We had The US and China.\n\nWe had interest rates rising as well, and then, obviously, this issue with Iran and The US, which has seen equity take a bit of a dip. So October was where your portfolio was generally at its highest, and you had some really great returns then. But then since then, we've seen the volatility with some some dips. We've seen partial recovery points. And then from this year from January to generally about March, the thirtieth is where we've seen the biggest dips with what's been occurring with The US and Iran.\n\nAnd then in the last sort of two weeks from the April 1, we have seen a little bit of a recovery back in your portfolio there. So when I kind of look at the last last year as a whole or from, say, January to October, you've made about a 4.33% return there. So you were on track for a really good positive return from that point onwards. Unfortunately, then we saw that volatility, which is where your portfolio has taken a bit of a dip down. From that point, you've dropped a fair bit.\n\nIn the last two weeks from the first of of April 1, sorry, to now, you've actually seen a little bit of a recovery point. So your portfolio has come back by 2.37%, and yesterday, it made a 1% and a return as well. So we are seeing a bit of a recovery point, which is great, and that's all sort of coming to encompass, you know, with what we've seen in the last twelve months there, and that recovery is giving you a positive return for the last twelve months, which is what we wanna see. But with where we are at the moment with what's happening, we are gonna see more volatility moving forward. When I look at the indicators, things like the fixed index, which tells us, you know, essentially what kind of market sentiment is or what kind of volatility can be expected over the next sort of month or so, that index is still showing up over 20%.\n\nSo when you look at the VIX index, if you're looking at that and it's got a 20% or higher, it shows that over the next sort of month, you can expect volatility. If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile. That's basically from January onwards, it has been up over 20%, has been decreasing slowly. But it all comes down to what Trump does as well. So one day, you know, he says things are doing well.\n\nWe hear some good things about what's happening with Iran and the straight and everything, and, you know, the market increases slightly because investors have a bit more confidence in what they're doing. And then the next day, he yells at someone's swears on social media and attacks another country or something, and then everyone sort of sells out again, and we see a bit more volatility there. So there are a lot of unknowns at the moment. We're kinda just working on day to day with what we can see. But, yeah, look, there was a point where you did have a bit of a negative return between sort of October to to now, and then from sort of the April 1 onwards, you've had a bit more of a positive comeback, which is giving you that positive return.\n\nSo it is lower than what we'd like for the portfolio. But given that you are quite green and still coming up with a positive is a good sign, I would like to just sort of keep watching it to see what happens over the next kind of one to two to three months to see whether we need to make any changes or whether we're gonna see a bit of a recovery point there for you. Does that make sense? Do you have any other questions about that? Yeah.\n\nYeah. So when I have a look at it at the moment, I'm just going back to the other portfolio because I have a a stick in front of me. So two of your investments are showing a little bit of a negative at the moment. So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down. It is still a good investment, though.\n\nSo whilst it is had a had a bit of a rough patch tech and cybersecurity as a whole, it is still a good investment. I wouldn't wanna sell that as of yet. I think whilst it is down at the moment, it is showing that it can come out and show a positive return. I wanna see it come out and provide greater gain. Whilst it's down at the moment, it's essentially discounted and your rate of return discounted rate.\n\nSo when your contributions are going in, we still wanna buy into those downtimes and really take advantage of the discounted unit pricing for the investment. The other ones here, so, which is the beta shares all these sustainable ETF and the SE, which is another sustainable ETF that you've got in there. They're both showing down again, but, again, it's they were all showing positive up until kind of January this year, which is when everything sort of takes that really big dip down. So everything that is down is down because of the wider with what's happening in the wider in the wider world and with the equities as a whole. It's not anything particular in the investment that's making it undervalued or making it a bad investment.\n\nEverything is still a positive investment. It's just seeing that volatility because of the sell off, because of investor confidence being unknown and because of the volatility that we are seeing. So right now, there's nothing I would wanna take out of that portfolio. I'm very hesitant about cementing losses right now. I'd like, right, to see them sit for a bit longer.\n\nYeah. See if it can come out. We can definitely do another catch up maybe in, you know, two or three months and see how things are going. I obviously look at all these portfolios on a regular basis, spend a lot of my day sitting in front of so I've been talking to clients and doing advice and everything. I also have a lot of things on my computer, and I sit down and look at what's happening with the market and what's happening with the individual investors and sort of having a look at everything there as well.\n\nSo right now, it's all all good. Yeah. Does that sort of answer the questions a bit for you? Did you want me to break it down more for you? That's okay.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Absolutely. Yeah. Yep.\n\nAnd you're still young. You've got a lot of time ahead of you there. And, I mean, we are seeing a lot more people going into the ethical environment there. I did do a comparison for you. So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally.\n\nAustralian Ethical are also noting down, in their investments over the last one to three months. Essentially, their balance investment for the three months is down 3.2% for the last their growth investment's down 3.8 for the last three months. Their high growth is down 4.4 for the last three months, and their Australian and international shares are down 8.37.6%. So your portfolio has definitely well, it's still seeing that volatility has definitely still performed a bit better than the Australian ethical investments that we moved you out of. So I just wanted to make sure I had that comparison for you as well.\n\nOkay. Sorry. I thought I lost you. Sorry. Yeah.\n\nYeah. It absolutely has been worthwhile to move. They don't update their returns as regularly as what we can see here. The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better. It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone through.\n\nSo whilst your portfolio is still going through those ups and downs, it hasn't dropped as heavily as the as the investment within ethical super. So it was definitely a good idea to move. We're still watching things, and you've actually come out higher than what they've they've reported. So we have to go back and we have to go back and look at their website to see what kind of what they've reported on. They report on gross returns.\n\nThey also report. And, look, it's not a perfect comparison because they're reporting growth, and it's not in particular added to any particular portfolio. So someone in ethical super may not have forgot the exact return that we're reporting on, but they're reporting on essentially a gross return of what their portfolios have averaged, whereas the return I'm giving you is more clarified to your portfolio. It's not a perfect not a perfect sort of fit. But, yeah, I like it.\n\nI'm happy with it. I think your portfolio has done really, really well. These investments have done great up until this point, and just going through this cycle and letting it come out on the other side and then seeing where we go from here would be a good idea. Hesitant to sell anything right now, I don't wanna cement losses for no particular reason. You are still really young, and you've got a lot of time ahead of you.\n\nAs you said, these are long term investments. We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to. Does that sound okay? Yep. Perfect.\n\nWell, last year for the calendar year up until October, you were trendy you were up that 4.33%. So you were on track for about a 6% return. In the growth portfolio that you're in, we're looking to try and obtain about a seven to 9% return. So anything under that sort of 7% is technically underperforming. Anything over that 9% is, you know, doing really, really well.\n\nThe only thing that could be a little bit different with your portfolio is that you are more ethical. So ethical portfolios tend to get a lower rate of return. So I've been looking when we're looking at that, we're looking at that over the longer term to averaging over, you know, the next one, two, three, ten years to see what that kind of averages out and sort of see where things are going. But right now, the fact that you've come out with a positive return over the last twelve months even with what we're doing is still a good sign. It is showing that your portfolio does recover.\n\nIt does show good potential growth. It does see those downtimes like every other investment out there. But the other thing to sort of remember is that 90% of market movements are just investors getting nervous with what they're seeing, what they're doing. Human beings are not rational creatures in any way, shape, or form, and I'm here to sort of stop you from making, you know, making changes to your portfolio based on, you know, the way we feel. Because 90 of, you know, buyers and sales are just emotional emotional reactions people feel.\n\nThey see something they don't like, and they go, oh, I've gotta get out before somebody else knocks me out. So it's a lot of it is just emotional human reaction to what what they're hearing and seeing and feeling in the market or in the news. So yeah. That's that's okay. Yeah.\n\nYeah. No. That's okay. Mhmm. Yeah.\n\nNo. That's okay. So I've been having a bit of a look around. Majority of the investments I mean, you've got the good quality ones in here that we've got. I have seen a few others that we could maybe add into the portfolio.\n\nWhat I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio. I can double check that we don't, you know, see how your make sure your asset allocation is in line with that gross percentage correctly between all the investments there. I can have a bit of a look at maybe see if there's anything that we need to maybe add to kinda give it a bit of a boost, but also making sure that we're not, you know, cementing anything too drastic. We're not causing any big CDT consequences for your portfolio, that we're not, you know, cementing losses and causing a bit of a detriment. If there is anything, I can always update the advice to reflect that for you.\n\nIf there's not, I can send you an email and go, hey. Look. This is kind of where we're tracking. We we don't really need to change anything right now. Let's come back and look at it down the track.\n\nDoes that sound okay? Yeah. Perfect. Excellent. So I'll go back and do that research.\n\nIt's not a problem at all. Okay? Excellent. Is there any other questions you had in relation to the portfolio or your super? Or no?\n\nOh, good. All good. After the call, I will send you an annual review pack as well, which does have some of the reports in there for you to have a bit of a look at. It's also got the financial services guide in there for us. It's also got a few additional documents attached.\n\nSo one of the things we are getting updated is the tax file consent form. We obviously do hold your tax phone number. We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold. So we are just setting a tax file consent updated to make you aware that we do hold that. With your insurances here, so we obviously retained your your Smart Monday for your life and CBD, and you've got your ClearView cover there as well with the income protection side of things.\n\nI just wanted to make sure they're all still appropriate for you. With the okay. Right. Right. So there could be a change in the income protection sorry.\n\nLife and CBD side of things? Yep. Total term disability? Yeah. Oh, gosh.\n\nOkay. That's yes. Income protection. That's with Clearview. No.\n\nThat's correct. Yeah. That was to cover the income in the short term. The income protection was based on your income at the time of about 130,000. Has your income changed since we last caught up at all?\n\nYeah. That's okay. That's not a problem at all. So at the moment, you've got the income protection covering you for a monthly benefit of 5,121. You've got a ninety day wait and a five year benefit.\n\nIf at any point you decide you wanted to reassess that, let me know. Alternatively, you can always let me know once you've had a new performance review with regard to your income. And if it goes up, then we can always come back and review that. That's absolutely fine. And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals.\n\nOkay? Yeah. Beautiful. But I've also got those summaries with the up with the information we had on the in in the insurances in that email for you to review there as well. If you find you have any questions in relation to any of it, you're welcome to let me know.\n\nOkay? All good. The other thing I just wanted to sort of touch base on, obviously, you're in that growth sort of environment there. Normally, a growth portfolio encompasses about 80% in those growth investments. So we tend to look at Australian international shares, generally some gold and silver and things like that in there as well as your growth investments.\n\nDid you wanna kind of reevaluate the risk level you're taking, or are you comfortable staying in that growth environment for the time being? Still okay? Yeah. Beautiful. Yeah.\n\nThat's Will we be on the phone if that happens? I can tell you. I think I will all be jumping up and down. No. No.\n\nYou are fine. You are fine. Yep. Yep. Yep.\n\nYep. Yep. No. No. Oh, yeah.\n\nNo. I completely understand what you're saying. It's yeah. I don't disagree in any way, shape, or form, so don't worry. It's all good.\n\nIt's it's pretty difficult to sort of look at what we're doing. I know the other couple of weeks back, we did sort of sit back down and have a chat with some of the economists that we do have access to. And, like, even they're saying, you know, we don't really know what's gonna happen. It's kind of a week by week scenario. The only thing they're sort of expecting is the inflation to keep growing.\n\nBut when it comes to the the war and what's happening between The US and Iran and everything there, it's there's there's no one can determine what's going to happen. It's too unknown. There's too many variables, and it changes on an hour by hour basis at this time. So yeah. Yeah.\n\nNo. All good. All good. Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at. Let me know if you do happen to have any questions there.\n\nYou with your time horizon, your age and stage and everything, the growth portfolio still suits where you're at. I'm more than happy to keep you in that environment. If you find you are uncomfortable, wanna have a look at things, let me know. I'm more than happy to do so. I'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line.\n\nI'll see if we need to maybe rebalance anything or if there's any maybe ethical areas that we haven't sort of touched on that we might be able to update your portfolio to. But I'll consider, obviously, taxation consequences there for your super as well, and also make sure that we're not, you know, overly overly cementing unnecessary gains or losses. If there is any reason to not change, I'll just shoot you an email and let you know that we've done the research. Saying where you are is fine for the moment just so you're aware either way. But if there is a reason to update the advice, I'll definitely do that for you.\n\nIs that okay? Yeah. That's okay. Not a problem at all. As part of, obviously, the annual review, we are sending out the ongoing service agreement for you.\n\nSo you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there. It is 1.65% per annum. That is a yearly figure, so it is as a percentage base fee, does fluctuate with the market. So the idea of that is when the market's doing really well, when your portfolio has got a great return, then our fee does increase with it. However, when the market takes a bit of a dip due to what we're seeing at the moment, it means that our fee does take a bit of a dip there with it as well.\n\nBut do you have any questions around how the fee works or anything else with regard to us? Or No. That's okay. Perfect. Is there anything else that you wanted me to sort of touch base on?\n\nIs there any major changes to your life over the last twelve months at all? Or no. That's okay. I'll just quickly update your assets as well. Your main primary residence there, Anthony, the sorry.\n\nThe value we have was about 450,000. Would you change that at all? Yeah. Yep. Yep.\n\nOkay. Yep. Yeah. No. That's okay.\n\nNot a problem at all. Loan value, we had you owed about 220,000. Have you been able to decrease that loan at all? Yeah. What?\n\nYou're right. Yep. Perfect. Thank you so much for that. Motor vehicle current asset sorry.\n\nAsset value is about 30,000. Would you alter or change that in any way, shape, or form? Yep. Perfect. And your loan on the motor vehicle was about 17,000.\n\nHas that decreased a bit as well? That's okay. Yep. Perfect. Fantastic.\n\nAn offset account had about 44,008 hun sorry. 44,580 in there. Have you increased what's in the offset account a little bit? Yep. Yeah.\n\nYep. 16900. Beautiful. Thank you so much for that. Is there any other changes to your assets?\n\nHave you added anything, any shares or collections or anything else of value that you'd wanna sorta note down? Yep. Yep. It's TMC. Yep.\n\nPerfect. What's the value of those? If you're not sure, that's okay. Yeah. That's okay.\n\nJust Yeah. That's okay. What's the total value? Yeah. Yep.\n\nBeautiful. Thank you so much for that. Excellent. Other than that, have you I'm just looking at the estate planning side of things as well. We don't sort of have any updates there.\n\nHave you got a will? Have you ever had a will and power of attorney drawn up? Yep. Perfect. Just a will so no power of attorney?\n\nYep. That's okay. Beautiful. On your super, I've got your your beneficiary noted as your legal personal representative. So noting that in the event of passing, it all goes through to your will.\n\nThat's still how you want that to be noted. Yep. Yeah. Absolutely. Absolutely.\n\nAnd any changes to, like, your marital status? I've got you down as still single. Beautiful. Beautiful. I have your next of kin noted as Sam Gagliano.\n\nYep. Beautiful. Did you want is your next of kin still appropriate for your circumstance? You're still happy to keep Sam as your next of kin? Yep.\n\nBeautiful. Lovely. Excellent. And any other additional goals over the next sort of sorry. Okay.\n\nYep. Sorry about that. Yep. Okay. Yeah.\n\nYeah. That's okay. Yeah. No. That's absolutely fine.\n\nIt's not a problem at all. Excellent. And do you have any other goals that you're looking to achieve over the next twelve months at all? Or go on a holiday? Yeah.\n\nNo. That's that's okay. Have you got a hold yes. Beautiful. Beautiful.\n\nHave you got any plans for a holiday so far, or you're just looking wanting to go on one? Yes. Yeah. Perfect. No.\n\nExcellent. All good. Well, that's everything that I needed to touch base on. I know you're extremely busy, so I will let you go. I'll get the annual review pack out to you very shortly, and I'll start the research on things for you.\n\nIn the meantime, if there's anything else that you do need, please let me know, and I'll definitely look to do a bit of a catch up with you. Is three months okay, or did you wanna catch up at any specific time of the year this year? Or three months is fine. Beautiful. Lovely.\n\nAll good. Well, thank you so much. I hope you have a good day. I hope things get a bit better for you. And, yeah, August, I'll do research and get that annual review pack out to you very shortly.\n\nOkay? My pleasure, Anthony. I hope you have a great day, and thank you so much for calling back. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.88,"end":1.52,"sentiment":"neutral","sentiment_score":0.28077974915504456},{"text":"This is Dana.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.1456604301929474},{"text":"That's okay, Anthony.","start":6.08,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.09581262680391471},{"text":"You're having a busy day today.","start":7.3599997,"end":9.059999,"sentiment":"neutral","sentiment_score":0.15287248541911444},{"text":"Oh, really?","start":15.055,"end":15.635,"sentiment":"neutral","sentiment_score":-0.06115724332630634}],"sentiment":"neutral","sentiment_score":0.13005619344767183,"num_words":16,"start":0.88,"end":15.635},{"sentences":[{"text":"Sorry.","start":16.255001,"end":16.575,"sentiment":"neutral","sentiment_score":-0.2473173141479492},{"text":"You're having a a bad week.","start":16.575,"end":18.355,"sentiment":"negative","sentiment_score":-0.371849924325943},{"text":"Oh, oh, I'm sorry.","start":19.135,"end":22.575,"sentiment":"neutral","sentiment_score":-0.10744167864322662},{"text":"I missed that.","start":22.575,"end":23.135,"sentiment":"neutral","sentiment_score":-0.21618916591008505},{"text":"The phone just cut out.","start":23.135,"end":24.015,"sentiment":"neutral","sentiment_score":-0.2733351647853851}],"sentiment":"neutral","sentiment_score":-0.25912773138598394,"num_words":19,"start":16.255001,"end":24.015},{"sentences":[{"text":"I do apologize.","start":24.015,"end":24.755001,"sentiment":"neutral","sentiment_score":-0.15383685380220413},{"text":"Oh, really?","start":27.67,"end":28.23,"sentiment":"neutral","sentiment_score":-0.04230162501335144},{"text":"I'm so sorry to hear that.","start":28.23,"end":30.09,"sentiment":"neutral","sentiment_score":-0.18168825407822928},{"text":"All good.","start":30.87,"end":31.43,"sentiment":"neutral","sentiment_score":0.2604602873325348},{"text":"Oh, well, look.","start":31.43,"end":31.91,"sentiment":"neutral","sentiment_score":0.13304842015107474}],"sentiment":"neutral","sentiment_score":-0.04476109379902482,"num_words":16,"start":24.015,"end":31.91},{"sentences":[{"text":"I just had you booked in for your annual review.","start":31.91,"end":34.15,"sentiment":"neutral","sentiment_score":0.18461672514677047},{"text":"Is now still a good time to run through things with you?","start":34.15,"end":36.89,"sentiment":"neutral","sentiment_score":0.23612085978190103},{"text":"Yeah.","start":38.565,"end":38.965,"sentiment":"positive","sentiment_score":0.3848395049571991},{"text":"Fantastic.","start":38.965,"end":39.465,"sentiment":"positive","sentiment_score":0.6712861061096191},{"text":"All good.","start":39.845,"end":40.665,"sentiment":"positive","sentiment_score":0.5722522437572479}],"sentiment":"neutral","sentiment_score":0.2646249102858397,"num_words":26,"start":31.91,"end":40.665},{"sentences":[{"text":"As part of your review, is there anything sort of particularly you wanted to touch base on?","start":41.285,"end":44.965,"sentiment":"neutral","sentiment_score":0.161497785764582},{"text":"I know looking is super is probably an important thing at the moment, but is there any other questions you might have for us at the moment?","start":44.965,"end":50.165,"sentiment":"neutral","sentiment_score":0.06806141055292553},{"text":"Or Yep.","start":50.165,"end":66.865,"sentiment":"neutral","sentiment_score":0.06336271017789841},{"text":"Yep.","start":72.525,"end":73.025,"sentiment":"neutral","sentiment_score":0.2584359049797058},{"text":"Yep.","start":75.74,"end":76.24,"sentiment":"neutral","sentiment_score":0.003791606053709984}],"sentiment":"neutral","sentiment_score":0.10358486196491867,"num_words":48,"start":41.285,"end":76.24},{"sentences":[{"text":"No.","start":77.1,"end":77.259995,"sentiment":"neutral","sentiment_score":-0.19259631633758545},{"text":"That no.","start":77.259995,"end":80.619995,"sentiment":"neutral","sentiment_score":-0.15600856393575668},{"text":"That's okay.","start":80.619995,"end":81.34,"sentiment":"neutral","sentiment_score":-0.09529827907681465},{"text":"And, honestly, it's probably a good thing at the at the moment with everything that is going on with what's happening with Iran and The US.","start":81.34,"end":88.06,"sentiment":"neutral","sentiment_score":0.015016492599478135},{"text":"We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates.","start":88.06,"end":94.115005,"sentiment":"neutral","sentiment_score":-0.19796748459339142}],"sentiment":"neutral","sentiment_score":-0.08361040954204167,"num_words":51,"start":77.1,"end":94.115005},{"sentences":[{"text":"So it's kinda hitting us on two fronts at the moment.","start":94.115005,"end":96.615005,"sentiment":"neutral","sentiment_score":-0.27283934436061164},{"text":"The higher inflation's been affecting things like bonds and fixed interest rates, but then also what's happening overseas is sort of affecting equity.","start":96.835,"end":105.020004,"sentiment":"neutral","sentiment_score":-0.12369259576434674},{"text":"So we have seen some extreme pretty high volatility for this year.","start":105.08,"end":111.58,"sentiment":"neutral","sentiment_score":-0.23300286382436752},{"text":"I've kind of sent a couple of reports to have a bit of a look at things for you.","start":111.8,"end":115.32,"sentiment":"neutral","sentiment_score":-0.002709404418342992},{"text":"So at the moment, when we have a look at your super, it is showing a little bit of a it's not a negative return.","start":115.32,"end":121.175,"sentiment":"neutral","sentiment_score":0.09721683129668236}],"sentiment":"neutral","sentiment_score":-0.06959171953300634,"num_words":90,"start":94.115005,"end":121.175},{"sentences":[{"text":"So for the last twelve months, you are still up.","start":121.175,"end":123.755,"sentiment":"positive","sentiment_score":0.48425179719924927},{"text":"And when we look at the returns, we look at the internal rate of returns and not including your contributions, and it's after fees.","start":123.815,"end":129.835,"sentiment":"neutral","sentiment_score":0.2118307864293456},{"text":"It is less than 1%, so 0.4%, but it is still a positive return for the twelve months.","start":130.23001,"end":135.99,"sentiment":"positive","sentiment_score":0.45710106525156236},{"text":"So it is still good to see a positive even though we are seeing the volatility side of things.","start":135.99,"end":141.13,"sentiment":"positive","sentiment_score":0.48833616077899933},{"text":"When I kind of sorry.","start":142.31,"end":143.93001,"sentiment":"neutral","sentiment_score":-0.015897708386182784}],"sentiment":"positive","sentiment_score":0.3599101912328287,"num_words":76,"start":121.175,"end":143.93001},{"sentences":[{"text":"Different.","start":149.465,"end":149.965,"sentiment":"neutral","sentiment_score":-0.024799302220344543},{"text":"Yes.","start":150.665,"end":151.165,"sentiment":"neutral","sentiment_score":0.018711727112531665},{"text":"Ethical.","start":153.86499,"end":154.36499,"sentiment":"neutral","sentiment_score":0.034024979919195175},{"text":"Yeah.","start":156.025,"end":156.525,"sentiment":"neutral","sentiment_score":0.014753480441868303},{"text":"Yeah.","start":163.95,"end":164.27,"sentiment":"neutral","sentiment_score":-0.000549066811800003}],"sentiment":"neutral","sentiment_score":0.008428363688290119,"num_words":5,"start":149.465,"end":164.27},{"sentences":[{"text":"And that's a good question.","start":164.27,"end":165.47,"sentiment":"neutral","sentiment_score":0.08698758259415626},{"text":"So with other clients that may have unethical portfolios, some of them are still seeing good rates of returns when they're sort of investing in But we have also had a few that have had negative rates of returns over the last year as well.","start":165.47,"end":178.45499,"sentiment":"neutral","sentiment_score":-0.18106838920050197},{"text":"So for your portfolio, even though you are still green with an ethical environment, you do tend to see lower rates of returns than unethical portfolios because the market tends to most people and the market as a whole tend to reward unethical investments that see higher rates of return.","start":178.83499,"end":195.43001,"sentiment":"neutral","sentiment_score":-0.037267004773020744},{"text":"But your portfolio is actually performing better than a lot of those unethical portfolios at the moment.","start":195.97,"end":200.945,"sentiment":"neutral","sentiment_score":0.03265380727894166},{"text":"Whilst you're still seeing that volatility, the fact that you've come up with a negative return even though it's less than 1% is still a positive a positive thing.","start":201.165,"end":209.425,"sentiment":"neutral","sentiment_score":-0.17714819491937242}],"sentiment":"neutral","sentiment_score":-0.09697721074399067,"num_words":146,"start":164.27,"end":209.425},{"sentences":[{"text":"I've done plenty of annual reviews this year where we've had negative returns.","start":209.645,"end":212.945,"sentiment":"neutral","sentiment_score":0.017427555545089908},{"text":"So you've you've come up with a positive, which is good.","start":214.12001,"end":216.62001,"sentiment":"positive","sentiment_score":0.41619076512076636},{"text":"To kinda sort of see where things have been going, when I look at your portfolio as a whole, your best month was kind of up until October.","start":217.32,"end":226.215,"sentiment":"neutral","sentiment_score":0.12055056781641074},{"text":"From October is when we sort of see a lot of that volatility with what was happening.","start":226.295,"end":229.735,"sentiment":"neutral","sentiment_score":-0.08386706889552228},{"text":"We had The US and China.","start":229.735,"end":231.495,"sentiment":"neutral","sentiment_score":-0.013197627539436022}],"sentiment":"neutral","sentiment_score":0.08900195467751473,"num_words":75,"start":209.645,"end":231.495},{"sentences":[{"text":"We had interest rates rising as well, and then, obviously, this issue with Iran and The US, which has seen equity take a bit of a dip.","start":231.495,"end":238.59,"sentiment":"neutral","sentiment_score":0.02811302969025241},{"text":"So October was where your portfolio was generally at its highest, and you had some really great returns then.","start":239.15,"end":244.75,"sentiment":"positive","sentiment_score":0.47943876683712006},{"text":"But then since then, we've seen the volatility with some some dips.","start":244.75,"end":247.87,"sentiment":"neutral","sentiment_score":-0.012288963422179222},{"text":"We've seen partial recovery points.","start":247.87,"end":249.89,"sentiment":"neutral","sentiment_score":0.08041044473648071},{"text":"And then from this year from January to generally about March, the thirtieth is where we've seen the biggest dips with what's been occurring with The US and Iran.","start":250.19,"end":259.975,"sentiment":"neutral","sentiment_score":0.07442544931686355}],"sentiment":"neutral","sentiment_score":0.1334925115689934,"num_words":92,"start":231.495,"end":259.975},{"sentences":[{"text":"And then in the last sort of two weeks from the April 1, we have seen a little bit of a recovery back in your portfolio there.","start":260.195,"end":267.155,"sentiment":"neutral","sentiment_score":0.2431757132764216},{"text":"So when I kind of look at the last last year as a whole or from, say, January to October, you've made about a 4.33% return there.","start":267.155,"end":277.74,"sentiment":"positive","sentiment_score":0.36812490224838257},{"text":"So you were on track for a really good positive return from that point onwards.","start":278.36,"end":282.14,"sentiment":"positive","sentiment_score":0.5279381096363067},{"text":"Unfortunately, then we saw that volatility, which is where your portfolio has taken a bit of a dip down.","start":282.625,"end":287.36502,"sentiment":"negative","sentiment_score":-0.4317302703857422},{"text":"From that point, you've dropped a fair bit.","start":287.98502,"end":290.565,"sentiment":"negative","sentiment_score":-0.49904655665159225}],"sentiment":"neutral","sentiment_score":0.12738479867887995,"num_words":96,"start":260.195,"end":290.565},{"sentences":[{"text":"In the last two weeks from the first of of April 1, sorry, to now, you've actually seen a little bit of a recovery point.","start":290.625,"end":298.94,"sentiment":"neutral","sentiment_score":0.06860980600118637},{"text":"So your portfolio has come back by 2.37%, and yesterday, it made a 1% and a return as well.","start":298.94,"end":305.82,"sentiment":"neutral","sentiment_score":0.32893234883484085},{"text":"So we are seeing a bit of a recovery point, which is great, and that's all sort of coming to encompass, you know, with what we've seen in the last twelve months there, and that recovery is giving you a positive return for the last twelve months, which is what we wanna see.","start":305.82,"end":319.745,"sentiment":"positive","sentiment_score":0.47039340633266374},{"text":"But with where we are at the moment with what's happening, we are gonna see more volatility moving forward.","start":320.205,"end":325.59,"sentiment":"neutral","sentiment_score":-0.1644887677148769},{"text":"When I look at the indicators, things like the fixed index, which tells us, you know, essentially what kind of market sentiment is or what kind of volatility can be expected over the next sort of month or so, that index is still showing up over 20%.","start":325.73,"end":340.485,"sentiment":"neutral","sentiment_score":-0.015025379255096963}],"sentiment":"neutral","sentiment_score":0.17830877853957422,"num_words":163,"start":290.625,"end":340.485},{"sentences":[{"text":"So when you look at the VIX index, if you're looking at that and it's got a 20% or higher, it shows that over the next sort of month, you can expect volatility.","start":340.54498,"end":350.26,"sentiment":"neutral","sentiment_score":0.10133298441316142},{"text":"If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile.","start":350.8,"end":359.46,"sentiment":"neutral","sentiment_score":-0.12681090029386374},{"text":"That's basically from January onwards, it has been up over 20%, has been decreasing slowly.","start":359.84,"end":365.925,"sentiment":"neutral","sentiment_score":-0.021270188937584558},{"text":"But it all comes down to what Trump does as well.","start":366.305,"end":368.625,"sentiment":"neutral","sentiment_score":0.06046319685199044},{"text":"So one day, you know, he says things are doing well.","start":368.625,"end":371.825,"sentiment":"neutral","sentiment_score":0.32638565654104407}],"sentiment":"neutral","sentiment_score":0.041491558658890426,"num_words":96,"start":340.54498,"end":371.825},{"sentences":[{"text":"We hear some good things about what's happening with Iran and the straight and everything, and, you know, the market increases slightly because investors have a bit more confidence in what they're doing.","start":371.825,"end":380.43,"sentiment":"positive","sentiment_score":0.46814105727455835},{"text":"And then the next day, he yells at someone's swears on social media and attacks another country or something, and then everyone sort of sells out again, and we see a bit more volatility there.","start":380.57,"end":389.93,"sentiment":"neutral","sentiment_score":-0.22635305566447123},{"text":"So there are a lot of unknowns at the moment.","start":389.93,"end":393.13,"sentiment":"negative","sentiment_score":-0.3580099821090698},{"text":"We're kinda just working on day to day with what we can see.","start":393.13,"end":396.335,"sentiment":"neutral","sentiment_score":-0.07236848255762687},{"text":"But, yeah, look, there was a point where you did have a bit of a negative return between sort of October to to now, and then from sort of the April 1 onwards, you've had a bit more of a positive comeback, which is giving you that positive return.","start":397.115,"end":410.05002,"sentiment":"neutral","sentiment_score":-0.13683221029231743}],"sentiment":"neutral","sentiment_score":-0.026424074691853355,"num_words":140,"start":371.825,"end":410.05002},{"sentences":[{"text":"So it is lower than what we'd like for the portfolio.","start":410.05002,"end":413.03,"sentiment":"neutral","sentiment_score":-0.2622242827307094},{"text":"But given that you are quite green and still coming up with a positive is a good sign, I would like to just sort of keep watching it to see what happens over the next kind of one to two to three months to see whether we need to make any changes or whether we're gonna see a bit of a recovery point there for you.","start":413.89,"end":429.065,"sentiment":"neutral","sentiment_score":0.29779251969673415},{"text":"Does that make sense?","start":429.065,"end":430.025,"sentiment":"neutral","sentiment_score":0.09988606907427311},{"text":"Do you have any other questions about that?","start":430.025,"end":432.20502,"sentiment":"neutral","sentiment_score":0.047204078175127506},{"text":"Yeah.","start":441.31998,"end":441.81998,"sentiment":"neutral","sentiment_score":-0.03087070770561695}],"sentiment":"neutral","sentiment_score":0.19462383759932386,"num_words":90,"start":410.05002,"end":441.81998},{"sentences":[{"text":"Yeah.","start":451.095,"end":451.495,"sentiment":"neutral","sentiment_score":-0.03337681666016579},{"text":"So when I have a look at it at the moment, I'm just going back to the other portfolio because I have a a stick in front of me.","start":451.495,"end":457.835,"sentiment":"neutral","sentiment_score":-0.1182475493385874},{"text":"So two of your investments are showing a little bit of a negative at the moment.","start":458.615,"end":462.32,"sentiment":"neutral","sentiment_score":-0.2678365232422948},{"text":"So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down.","start":462.32,"end":469.94,"sentiment":"neutral","sentiment_score":-0.12919156036029258},{"text":"It is still a good investment, though.","start":470.32,"end":472.08,"sentiment":"positive","sentiment_score":0.3758216053247452}],"sentiment":"neutral","sentiment_score":-0.10672449780168472,"num_words":77,"start":451.095,"end":472.08},{"sentences":[{"text":"So whilst it is had a had a bit of a rough patch tech and cybersecurity as a whole, it is still a good investment.","start":472.08,"end":478.605,"sentiment":"neutral","sentiment_score":0.22795269936323165},{"text":"I wouldn't wanna sell that as of yet.","start":478.605,"end":480.625,"sentiment":"neutral","sentiment_score":-0.2415032610297203},{"text":"I think whilst it is down at the moment, it is showing that it can come out and show a positive return.","start":481.005,"end":485.725,"sentiment":"positive","sentiment_score":0.3587146503004161},{"text":"I wanna see it come out and provide greater gain.","start":485.725,"end":488.385,"sentiment":"positive","sentiment_score":0.55453060567379},{"text":"Whilst it's down at the moment, it's essentially discounted and your rate of return discounted rate.","start":488.91998,"end":493.4,"sentiment":"neutral","sentiment_score":0.003273341339081526}],"sentiment":"neutral","sentiment_score":0.21303942247673316,"num_words":81,"start":472.08,"end":493.4},{"sentences":[{"text":"So when your contributions are going in, we still wanna buy into those downtimes and really take advantage of the discounted unit pricing for the investment.","start":493.4,"end":501.65997,"sentiment":"neutral","sentiment_score":0.07099985460249278},{"text":"The other ones here, so, which is the beta shares all these sustainable ETF and the SE, which is another sustainable ETF that you've got in there.","start":502.655,"end":511.935,"sentiment":"neutral","sentiment_score":0.08687709009757748},{"text":"They're both showing down again, but, again, it's they were all showing positive up until kind of January this year, which is when everything sort of takes that really big dip down.","start":511.935,"end":522.23,"sentiment":"neutral","sentiment_score":-0.0327292918227613},{"text":"So everything that is down is down because of the wider with what's happening in the wider in the wider world and with the equities as a whole.","start":522.23,"end":531.11,"sentiment":"neutral","sentiment_score":-0.22952805778809957},{"text":"It's not anything particular in the investment that's making it undervalued or making it a bad investment.","start":531.11,"end":537.34503,"sentiment":"negative","sentiment_score":-0.34218380994656505}],"sentiment":"neutral","sentiment_score":-0.06999669287067194,"num_words":130,"start":493.4,"end":537.34503},{"sentences":[{"text":"Everything is still a positive investment.","start":537.48505,"end":539.245,"sentiment":"positive","sentiment_score":0.45148342351118725},{"text":"It's just seeing that volatility because of the sell off, because of investor confidence being unknown and because of the volatility that we are seeing.","start":539.245,"end":547.245,"sentiment":"neutral","sentiment_score":-0.09627631932497024},{"text":"So right now, there's nothing I would wanna take out of that portfolio.","start":547.245,"end":550.95996,"sentiment":"neutral","sentiment_score":-0.2425221216220122},{"text":"I'm very hesitant about cementing losses right now.","start":551.26,"end":554.48,"sentiment":"negative","sentiment_score":-0.4400056228041649},{"text":"I'd like, right, to see them sit for a bit longer.","start":554.62,"end":557.42,"sentiment":"neutral","sentiment_score":-0.13634007424116135}],"sentiment":"neutral","sentiment_score":-0.12492985432110136,"num_words":63,"start":537.48505,"end":557.42},{"sentences":[{"text":"Yeah.","start":557.42,"end":557.74,"sentiment":"neutral","sentiment_score":-0.003330204635858536},{"text":"See if it can come out.","start":557.74,"end":559.12,"sentiment":"neutral","sentiment_score":-0.03089092733959357},{"text":"We can definitely do another catch up maybe in, you know, two or three months and see how things are going.","start":559.26,"end":564.535,"sentiment":"neutral","sentiment_score":0.019967700576498396},{"text":"I obviously look at all these portfolios on a regular basis, spend a lot of my day sitting in front of so I've been talking to clients and doing advice and everything.","start":564.915,"end":572.435,"sentiment":"neutral","sentiment_score":0.06403022015001625},{"text":"I also have a lot of things on my computer, and I sit down and look at what's happening with the market and what's happening with the individual investors and sort of having a look at everything there as well.","start":572.435,"end":581.27997,"sentiment":"neutral","sentiment_score":0.17705689333379268}],"sentiment":"neutral","sentiment_score":0.09361888721585274,"num_words":100,"start":557.42,"end":581.27997},{"sentences":[{"text":"So right now, it's all all good.","start":581.27997,"end":584.07996,"sentiment":"positive","sentiment_score":0.5753566367285592},{"text":"Yeah.","start":584.07996,"end":584.48,"sentiment":"neutral","sentiment_score":0.1412174105644226},{"text":"Does that sort of answer the questions a bit for you?","start":584.48,"end":586.63995,"sentiment":"neutral","sentiment_score":0.02687042663720521},{"text":"Did you want me to break it down more for you?","start":586.63995,"end":588.98,"sentiment":"neutral","sentiment_score":-0.04405802259729667},{"text":"That's okay.","start":590.98505,"end":591.80505,"sentiment":"neutral","sentiment_score":-0.1506304144859314}],"sentiment":"neutral","sentiment_score":0.11494967134785838,"num_words":32,"start":581.27997,"end":591.80505},{"sentences":[{"text":"Yeah.","start":595.065,"end":595.565,"sentiment":"neutral","sentiment_score":-0.1584414541721344},{"text":"Yeah.","start":596.10504,"end":596.60504,"sentiment":"neutral","sentiment_score":-0.04288633167743683},{"text":"Yeah.","start":597.385,"end":597.885,"sentiment":"neutral","sentiment_score":-0.043989136815071106},{"text":"Yep.","start":602.025,"end":602.525,"sentiment":"neutral","sentiment_score":-0.04527958482503891},{"text":"Yep.","start":605.10004,"end":605.60004,"sentiment":"neutral","sentiment_score":-0.12465961277484894}],"sentiment":"neutral","sentiment_score":-0.08305122405290603,"num_words":5,"start":595.065,"end":605.60004},{"sentences":[{"text":"Yep.","start":608.14,"end":608.64,"sentiment":"neutral","sentiment_score":-0.2318662405014038},{"text":"Yeah.","start":612.14,"end":612.64,"sentiment":"neutral","sentiment_score":-0.12396128475666046},{"text":"Absolutely.","start":619.48505,"end":619.98505,"sentiment":"neutral","sentiment_score":-0.14400455355644226},{"text":"Yeah.","start":621.005,"end":621.405,"sentiment":"neutral","sentiment_score":-0.0027580540627241135},{"text":"Yep.","start":621.405,"end":621.72504,"sentiment":"neutral","sentiment_score":0.025427456945180893}],"sentiment":"neutral","sentiment_score":-0.09543253518640996,"num_words":5,"start":608.14,"end":621.72504},{"sentences":[{"text":"And you're still young.","start":621.72504,"end":622.685,"sentiment":"neutral","sentiment_score":0.014758867677301168},{"text":"You've got a lot of time ahead of you there.","start":622.685,"end":624.365,"sentiment":"neutral","sentiment_score":0.025423279916867613},{"text":"And, I mean, we are seeing a lot more people going into the ethical environment there.","start":624.365,"end":628.84503,"sentiment":"neutral","sentiment_score":0.03972180234268308},{"text":"I did do a comparison for you.","start":628.84503,"end":630.60504,"sentiment":"neutral","sentiment_score":0.03940594143101147},{"text":"So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally.","start":630.60504,"end":636.86005,"sentiment":"neutral","sentiment_score":-0.0443631161137351}],"sentiment":"neutral","sentiment_score":-0.0002693623662568056,"num_words":65,"start":621.72504,"end":636.86005},{"sentences":[{"text":"Australian Ethical are also noting down, in their investments over the last one to three months.","start":637.48004,"end":643.185,"sentiment":"neutral","sentiment_score":-0.21153810899704695},{"text":"Essentially, their balance investment for the three months is down 3.2% for the last their growth investment's down 3.8 for the last three months.","start":644.145,"end":652.065,"sentiment":"neutral","sentiment_score":-0.2112889795874556},{"text":"Their high growth is down 4.4 for the last three months, and their Australian and international shares are down 8.37.6%.","start":652.065,"end":660.19,"sentiment":"neutral","sentiment_score":-0.19655682444572448},{"text":"So your portfolio has definitely well, it's still seeing that volatility has definitely still performed a bit better than the Australian ethical investments that we moved you out of.","start":660.25,"end":670.525,"sentiment":"neutral","sentiment_score":0.049912325010217466},{"text":"So I just wanted to make sure I had that comparison for you as well.","start":670.525,"end":674.225,"sentiment":"neutral","sentiment_score":0.1681572213768959}],"sentiment":"neutral","sentiment_score":-0.08093140381746568,"num_words":104,"start":637.48004,"end":674.225},{"sentences":[{"text":"Okay.","start":674.285,"end":674.785,"sentiment":"neutral","sentiment_score":0.023846328258514404},{"text":"Sorry.","start":680.365,"end":680.845,"sentiment":"neutral","sentiment_score":-0.07721570134162903},{"text":"I thought I lost you.","start":680.845,"end":681.565,"sentiment":"neutral","sentiment_score":-0.16868650019168854},{"text":"Sorry.","start":681.565,"end":682.065,"sentiment":"neutral","sentiment_score":-0.1134328842163086},{"text":"Yeah.","start":696.915,"end":697.415,"sentiment":"neutral","sentiment_score":0.05549311637878418}],"sentiment":"neutral","sentiment_score":-0.10608240465323131,"num_words":9,"start":674.285,"end":697.415},{"sentences":[{"text":"Yeah.","start":698.915,"end":699.235,"sentiment":"neutral","sentiment_score":0.1794937551021576},{"text":"It absolutely has been worthwhile to move.","start":699.235,"end":701.415,"sentiment":"neutral","sentiment_score":0.2940254977771214},{"text":"They don't update their returns as regularly as what we can see here.","start":701.475,"end":705.415,"sentiment":"neutral","sentiment_score":0.01710440841718362},{"text":"The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better.","start":705.795,"end":711.66,"sentiment":"neutral","sentiment_score":0.01275280035885149},{"text":"It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone through.","start":711.72,"end":716.83997,"sentiment":"neutral","sentiment_score":-0.15745885771783916}],"sentiment":"neutral","sentiment_score":-0.012286485709820784,"num_words":62,"start":698.915,"end":716.83997},{"sentences":[{"text":"So whilst your portfolio is still going through those ups and downs, it hasn't dropped as heavily as the as the investment within ethical super.","start":716.83997,"end":723.945,"sentiment":"neutral","sentiment_score":-0.07977789923548699},{"text":"So it was definitely a good idea to move.","start":723.945,"end":726.045,"sentiment":"positive","sentiment_score":0.4456743531756931},{"text":"We're still watching things, and you've actually come out higher than what they've they've reported.","start":726.265,"end":731.245,"sentiment":"neutral","sentiment_score":0.23461535796523095},{"text":"So we have to go back and we have to go back and look at their website to see what kind of what they've reported on.","start":731.385,"end":746.04,"sentiment":"neutral","sentiment_score":-0.0023024301402843916},{"text":"They report on gross returns.","start":746.04,"end":747.64,"sentiment":"neutral","sentiment_score":-0.004236942157149315}],"sentiment":"neutral","sentiment_score":0.06818505215924234,"num_words":80,"start":716.83997,"end":747.64},{"sentences":[{"text":"They also report.","start":747.64,"end":748.7,"sentiment":"neutral","sentiment_score":-0.013884889582792917},{"text":"And, look, it's not a perfect comparison because they're reporting growth, and it's not in particular added to any particular portfolio.","start":748.725,"end":756.985,"sentiment":"neutral","sentiment_score":-0.11673477859724135},{"text":"So someone in ethical super may not have forgot the exact return that we're reporting on, but they're reporting on essentially a gross return of what their portfolios have averaged, whereas the return I'm giving you is more clarified to your portfolio.","start":757.365,"end":770.04,"sentiment":"neutral","sentiment_score":-0.03605411733899798},{"text":"It's not a perfect not a perfect sort of fit.","start":770.26,"end":773.205,"sentiment":"neutral","sentiment_score":-0.20866595357656478},{"text":"But, yeah, I like it.","start":773.765,"end":774.965,"sentiment":"positive","sentiment_score":0.4050575703382492}],"sentiment":"neutral","sentiment_score":-0.05023123001978721,"num_words":81,"start":747.64,"end":774.965},{"sentences":[{"text":"I'm happy with it.","start":774.965,"end":775.765,"sentiment":"positive","sentiment_score":0.6748032122850418},{"text":"I think your portfolio has done really, really well.","start":775.765,"end":777.765,"sentiment":"positive","sentiment_score":0.6451108455657959},{"text":"These investments have done great up until this point, and just going through this cycle and letting it come out on the other side and then seeing where we go from here would be a good idea.","start":777.765,"end":788.025,"sentiment":"positive","sentiment_score":0.41936684862987417},{"text":"Hesitant to sell anything right now, I don't wanna cement losses for no particular reason.","start":789.12,"end":793.36,"sentiment":"neutral","sentiment_score":-0.26459265549977623},{"text":"You are still really young, and you've got a lot of time ahead of you.","start":793.36,"end":796.64,"sentiment":"neutral","sentiment_score":-0.21249281167984008}],"sentiment":"neutral","sentiment_score":0.21081877313554287,"num_words":80,"start":774.965,"end":796.64},{"sentences":[{"text":"As you said, these are long term investments.","start":796.64,"end":798.48,"sentiment":"neutral","sentiment_score":0.03804105892777443},{"text":"We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to.","start":798.48,"end":811.245,"sentiment":"neutral","sentiment_score":0.08827502660307229},{"text":"Does that sound okay?","start":811.245,"end":812.385,"sentiment":"neutral","sentiment_score":0.09772257693111897},{"text":"Yep.","start":814.765,"end":815.265,"sentiment":"neutral","sentiment_score":0.19396841526031497},{"text":"Perfect.","start":825.74005,"end":826.24005,"sentiment":"positive","sentiment_score":0.5252761840820312}],"sentiment":"neutral","sentiment_score":0.09102291900378007,"num_words":65,"start":796.64,"end":826.24005},{"sentences":[{"text":"Well, last year for the calendar year up until October, you were trendy you were up that 4.33%.","start":829.27496,"end":836.15497,"sentiment":"neutral","sentiment_score":0.20881820966800055},{"text":"So you were on track for about a 6% return.","start":836.15497,"end":838.735,"sentiment":"neutral","sentiment_score":0.3253187626600266},{"text":"In the growth portfolio that you're in, we're looking to try and obtain about a seven to 9% return.","start":839.035,"end":845.87,"sentiment":"neutral","sentiment_score":0.07472612199030425},{"text":"So anything under that sort of 7% is technically underperforming.","start":846.49,"end":850.43,"sentiment":"neutral","sentiment_score":-0.12281857952475547},{"text":"Anything over that 9% is, you know, doing really, really well.","start":850.73,"end":854.58997,"sentiment":"neutral","sentiment_score":0.15183410996740515}],"sentiment":"neutral","sentiment_score":0.13049560489461703,"num_words":68,"start":829.27496,"end":854.58997},{"sentences":[{"text":"The only thing that could be a little bit different with your portfolio is that you are more ethical.","start":854.825,"end":859.245,"sentiment":"neutral","sentiment_score":-0.01858262992218921},{"text":"So ethical portfolios tend to get a lower rate of return.","start":859.385,"end":862.585,"sentiment":"neutral","sentiment_score":0.049601250582120636},{"text":"So I've been looking when we're looking at that, we're looking at that over the longer term to averaging over, you know, the next one, two, three, ten years to see what that kind of averages out and sort of see where things are going.","start":862.585,"end":875.55,"sentiment":"neutral","sentiment_score":0.07072832692000601},{"text":"But right now, the fact that you've come out with a positive return over the last twelve months even with what we're doing is still a good sign.","start":875.55,"end":883.89,"sentiment":"positive","sentiment_score":0.5696947819420269},{"text":"It is showing that your portfolio does recover.","start":883.935,"end":886.895,"sentiment":"positive","sentiment_score":0.6147613450884819}],"sentiment":"neutral","sentiment_score":0.21842219057987938,"num_words":111,"start":854.825,"end":886.895},{"sentences":[{"text":"It does show good potential growth.","start":886.895,"end":889.15497,"sentiment":"positive","sentiment_score":0.6637355387210846},{"text":"It does see those downtimes like every other investment out there.","start":889.455,"end":892.995,"sentiment":"neutral","sentiment_score":-0.04168502546169541},{"text":"But the other thing to sort of remember is that 90% of market movements are just investors getting nervous with what they're seeing, what they're doing.","start":893.055,"end":899.875,"sentiment":"neutral","sentiment_score":-0.2972732298076153},{"text":"Human beings are not rational creatures in any way, shape, or form, and I'm here to sort of stop you from making, you know, making changes to your portfolio based on, you know, the way we feel.","start":899.99,"end":914.535,"sentiment":"neutral","sentiment_score":-0.28364374146268173},{"text":"Because 90 of, you know, buyers and sales are just emotional emotional reactions people feel.","start":914.535,"end":919.915,"sentiment":"neutral","sentiment_score":-0.26883145471413933}],"sentiment":"neutral","sentiment_score":-0.19718438186927845,"num_words":95,"start":886.895,"end":919.915},{"sentences":[{"text":"They see something they don't like, and they go, oh, I've gotta get out before somebody else knocks me out.","start":920.055,"end":924.71497,"sentiment":"negative","sentiment_score":-0.49366953819990156},{"text":"So it's a lot of it is just emotional human reaction to what what they're hearing and seeing and feeling in the market or in the news.","start":925.415,"end":932.83,"sentiment":"neutral","sentiment_score":-0.27850897665377017},{"text":"So yeah.","start":932.83,"end":933.97003,"sentiment":"neutral","sentiment_score":0.05941162258386612},{"text":"That's that's okay.","start":938.75,"end":939.57,"sentiment":"neutral","sentiment_score":0.027066743622223537},{"text":"Yeah.","start":941.705,"end":942.205,"sentiment":"neutral","sentiment_score":-0.0576232373714447}],"sentiment":"neutral","sentiment_score":-0.3254855263205069,"num_words":53,"start":920.055,"end":942.205},{"sentences":[{"text":"Yeah.","start":945.54504,"end":946.04504,"sentiment":"neutral","sentiment_score":-0.10224767029285432},{"text":"No.","start":946.34503,"end":946.66504,"sentiment":"neutral","sentiment_score":-0.18700730800628665},{"text":"That's okay.","start":946.66504,"end":947.48505,"sentiment":"neutral","sentiment_score":-0.1129300408065319},{"text":"Mhmm.","start":953.16,"end":953.66,"sentiment":"neutral","sentiment_score":-0.25529950857162476},{"text":"Yeah.","start":959.0,"end":959.5,"sentiment":"neutral","sentiment_score":-0.06005435809493065}],"sentiment":"neutral","sentiment_score":-0.1384114877631267,"num_words":6,"start":945.54504,"end":959.5},{"sentences":[{"text":"No.","start":959.8,"end":960.04,"sentiment":"neutral","sentiment_score":-0.1515127420425415},{"text":"That's okay.","start":960.04,"end":960.68,"sentiment":"neutral","sentiment_score":-0.0204586423933506},{"text":"So I've been having a bit of a look around.","start":960.68,"end":962.68,"sentiment":"neutral","sentiment_score":0.004214446246623993},{"text":"Majority of the investments I mean, you've got the good quality ones in here that we've got.","start":962.68,"end":968.095,"sentiment":"neutral","sentiment_score":0.1656121361781569},{"text":"I have seen a few others that we could maybe add into the portfolio.","start":968.095,"end":973.315,"sentiment":"neutral","sentiment_score":0.16851360031536647}],"sentiment":"neutral","sentiment_score":0.11418888988819989,"num_words":44,"start":959.8,"end":973.315},{"sentences":[{"text":"What I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio.","start":974.575,"end":982.94,"sentiment":"neutral","sentiment_score":0.0347778668955845},{"text":"I can double check that we don't, you know, see how your make sure your asset allocation is in line with that gross percentage correctly between all the investments there.","start":983.72003,"end":992.115,"sentiment":"neutral","sentiment_score":0.11772568101684253},{"text":"I can have a bit of a look at maybe see if there's anything that we need to maybe add to kinda give it a bit of a boost, but also making sure that we're not, you know, cementing anything too drastic.","start":992.355,"end":1002.755,"sentiment":"neutral","sentiment_score":0.09771724391196455},{"text":"We're not causing any big CDT consequences for your portfolio, that we're not, you know, cementing losses and causing a bit of a detriment.","start":1002.755,"end":1010.33,"sentiment":"neutral","sentiment_score":-0.17957610761125883},{"text":"If there is anything, I can always update the advice to reflect that for you.","start":1011.19,"end":1015.59,"sentiment":"neutral","sentiment_score":-0.039955620343486466}],"sentiment":"neutral","sentiment_score":0.026959870768518284,"num_words":145,"start":974.575,"end":1015.59},{"sentences":[{"text":"If there's not, I can send you an email and go, hey.","start":1015.59,"end":1018.23004,"sentiment":"neutral","sentiment_score":0.006186987486823152},{"text":"Look.","start":1018.23004,"end":1018.39,"sentiment":"neutral","sentiment_score":0.00563360471278429},{"text":"This is kind of where we're tracking.","start":1018.39,"end":1020.01,"sentiment":"neutral","sentiment_score":0.015545680586780821},{"text":"We we don't really need to change anything right now.","start":1020.185,"end":1022.345,"sentiment":"neutral","sentiment_score":-0.013719392940402031},{"text":"Let's come back and look at it down the track.","start":1022.345,"end":1024.4451,"sentiment":"neutral","sentiment_score":0.07182903103530407}],"sentiment":"neutral","sentiment_score":0.019244839990278706,"num_words":40,"start":1015.59,"end":1024.4451},{"sentences":[{"text":"Does that sound okay?","start":1024.585,"end":1025.645,"sentiment":"neutral","sentiment_score":0.09013455361127853},{"text":"Yeah.","start":1027.3049,"end":1027.705,"sentiment":"neutral","sentiment_score":0.3185386061668396},{"text":"Perfect.","start":1027.705,"end":1028.205,"sentiment":"positive","sentiment_score":0.562476396560669},{"text":"Excellent.","start":1028.345,"end":1028.845,"sentiment":"positive","sentiment_score":0.5895601511001587},{"text":"So I'll go back and do that research.","start":1028.905,"end":1030.585,"sentiment":"positive","sentiment_score":0.43232744187116623}],"sentiment":"positive","sentiment_score":0.3526488602161407,"num_words":15,"start":1024.585,"end":1030.585},{"sentences":[{"text":"It's not a problem at all.","start":1030.585,"end":1032.025,"sentiment":"positive","sentiment_score":0.4183172831932704},{"text":"Okay?","start":1032.025,"end":1032.525,"sentiment":"neutral","sentiment_score":0.28349143266677856},{"text":"Excellent.","start":1035.4601,"end":1035.9601,"sentiment":"positive","sentiment_score":0.39351242780685425},{"text":"Is there any other questions you had in relation to the portfolio or your super?","start":1037.22,"end":1041.72,"sentiment":"neutral","sentiment_score":0.06796436024208864},{"text":"Or no?","start":1041.86,"end":1045.8151,"sentiment":"neutral","sentiment_score":-0.029861820861697197}],"sentiment":"neutral","sentiment_score":0.16586597286164761,"num_words":25,"start":1030.585,"end":1045.8151},{"sentences":[{"text":"Oh, good.","start":1046.035,"end":1047.0751,"sentiment":"neutral","sentiment_score":0.19753317534923553},{"text":"All good.","start":1047.0751,"end":1047.555,"sentiment":"neutral","sentiment_score":0.23332771658897397},{"text":"After the call, I will send you an annual review pack as well, which does have some of the reports in there for you to have a bit of a look at.","start":1047.555,"end":1053.555,"sentiment":"neutral","sentiment_score":0.15469267102889717},{"text":"It's also got the financial services guide in there for us.","start":1053.555,"end":1056.535,"sentiment":"neutral","sentiment_score":0.14144476706331427},{"text":"It's also got a few additional documents attached.","start":1056.675,"end":1059.0,"sentiment":"neutral","sentiment_score":0.11037619784474373}],"sentiment":"neutral","sentiment_score":0.15001435049555517,"num_words":55,"start":1046.035,"end":1059.0},{"sentences":[{"text":"So one of the things we are getting updated is the tax file consent form.","start":1059.0,"end":1063.18,"sentiment":"neutral","sentiment_score":0.12805540810028712},{"text":"We obviously do hold your tax phone number.","start":1063.4,"end":1065.24,"sentiment":"neutral","sentiment_score":0.14930250495672226},{"text":"We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold.","start":1065.24,"end":1069.88,"sentiment":"neutral","sentiment_score":0.2265701111406088},{"text":"So we are just setting a tax file consent updated to make you aware that we do hold that.","start":1069.88,"end":1074.495,"sentiment":"neutral","sentiment_score":0.13227196939681707},{"text":"With your insurances here, so we obviously retained your your Smart Monday for your life and CBD, and you've got your ClearView cover there as well with the income protection side of things.","start":1075.295,"end":1087.555,"sentiment":"neutral","sentiment_score":0.16289164306539478}],"sentiment":"neutral","sentiment_score":0.16352889498597697,"num_words":95,"start":1059.0,"end":1087.555},{"sentences":[{"text":"I just wanted to make sure they're all still appropriate for you.","start":1087.97,"end":1091.27,"sentiment":"neutral","sentiment_score":0.1772002223879099},{"text":"With the okay.","start":1091.89,"end":1096.23,"sentiment":"neutral","sentiment_score":-0.04045275288323561},{"text":"Right.","start":1104.385,"end":1104.785,"sentiment":"neutral","sentiment_score":-0.010194305330514908},{"text":"Right.","start":1104.785,"end":1105.185,"sentiment":"neutral","sentiment_score":-0.015984121710062027},{"text":"So there could be a change in the income protection sorry.","start":1105.185,"end":1108.2251,"sentiment":"neutral","sentiment_score":-0.04837062209844589}],"sentiment":"neutral","sentiment_score":0.05167104071006179,"num_words":28,"start":1087.97,"end":1108.2251},{"sentences":[{"text":"Life and CBD side of things?","start":1108.2251,"end":1109.8451,"sentiment":"neutral","sentiment_score":-0.015432829192529121},{"text":"Yep.","start":1113.4401,"end":1113.9401,"sentiment":"neutral","sentiment_score":-0.0020733035635203123},{"text":"Total term disability?","start":1118.56,"end":1119.7001,"sentiment":"neutral","sentiment_score":-0.0486600399017334},{"text":"Yeah.","start":1120.2401,"end":1120.7401,"sentiment":"neutral","sentiment_score":-0.03223951533436775},{"text":"Oh, gosh.","start":1133.375,"end":1134.2749,"sentiment":"neutral","sentiment_score":-0.12454742193222046}],"sentiment":"neutral","sentiment_score":-0.04015267366328491,"num_words":13,"start":1108.2251,"end":1134.2749},{"sentences":[{"text":"Okay.","start":1135.7749,"end":1136.2749,"sentiment":"neutral","sentiment_score":-0.0034328410401940346},{"text":"That's yes.","start":1141.34,"end":1142.48,"sentiment":"neutral","sentiment_score":-0.07803858816623688},{"text":"Income protection.","start":1142.7799,"end":1143.74,"sentiment":"neutral","sentiment_score":-0.07687359862029552},{"text":"That's with Clearview.","start":1143.74,"end":1144.7999,"sentiment":"neutral","sentiment_score":-0.008352289286752542},{"text":"No.","start":1149.755,"end":1150.255,"sentiment":"neutral","sentiment_score":-0.17395086586475372}],"sentiment":"neutral","sentiment_score":-0.05691832759314113,"num_words":9,"start":1135.7749,"end":1150.255},{"sentences":[{"text":"That's correct.","start":1151.9149,"end":1152.715,"sentiment":"neutral","sentiment_score":0.0452833604067564},{"text":"Yeah.","start":1152.715,"end":1152.875,"sentiment":"neutral","sentiment_score":0.0537845715880394},{"text":"That was to cover the income in the short term.","start":1152.875,"end":1155.215,"sentiment":"neutral","sentiment_score":0.0356152143329382},{"text":"The income protection was based on your income at the time of about 130,000.","start":1155.355,"end":1160.315,"sentiment":"neutral","sentiment_score":0.01818982611543366},{"text":"Has your income changed since we last caught up at all?","start":1160.315,"end":1164.12,"sentiment":"neutral","sentiment_score":-0.05640769885344939}],"sentiment":"neutral","sentiment_score":0.003544113525238476,"num_words":38,"start":1151.9149,"end":1164.12},{"sentences":[{"text":"Yeah.","start":1173.48,"end":1173.8,"sentiment":"neutral","sentiment_score":0.06237900257110596},{"text":"That's okay.","start":1173.8,"end":1174.44,"sentiment":"neutral","sentiment_score":0.16345276683568954},{"text":"That's not a problem at all.","start":1174.44,"end":1175.64,"sentiment":"neutral","sentiment_score":0.23698579519987106},{"text":"So at the moment, you've got the income protection covering you for a monthly benefit of 5,121.","start":1175.64,"end":1182.505,"sentiment":"neutral","sentiment_score":0.20931807686300838},{"text":"You've got a ninety day wait and a five year benefit.","start":1182.725,"end":1185.145,"sentiment":"neutral","sentiment_score":0.17826182598417456}],"sentiment":"neutral","sentiment_score":0.1981212621605074,"num_words":37,"start":1173.48,"end":1185.145},{"sentences":[{"text":"If at any point you decide you wanted to reassess that, let me know.","start":1185.365,"end":1189.145,"sentiment":"neutral","sentiment_score":0.09937692619860172},{"text":"Alternatively, you can always let me know once you've had a new performance review with regard to your income.","start":1189.6799,"end":1194.3999,"sentiment":"neutral","sentiment_score":0.15144728790772588},{"text":"And if it goes up, then we can always come back and review that.","start":1194.3999,"end":1196.96,"sentiment":"neutral","sentiment_score":0.1602872328034469},{"text":"That's absolutely fine.","start":1196.96,"end":1198.26,"sentiment":"positive","sentiment_score":0.4453481336434682},{"text":"And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals.","start":1198.88,"end":1215.645,"sentiment":"neutral","sentiment_score":0.21373406946659088}],"sentiment":"neutral","sentiment_score":0.18905700532638509,"num_words":115,"start":1185.365,"end":1215.645},{"sentences":[{"text":"Okay?","start":1215.785,"end":1216.285,"sentiment":"neutral","sentiment_score":0.12283054739236832},{"text":"Yeah.","start":1218.2,"end":1218.44,"sentiment":"positive","sentiment_score":0.35203245282173157},{"text":"Beautiful.","start":1218.44,"end":1218.94,"sentiment":"positive","sentiment_score":0.5959978103637695},{"text":"But I've also got those summaries with the up with the information we had on the in in the insurances in that email for you to review there as well.","start":1219.1599,"end":1226.84,"sentiment":"neutral","sentiment_score":0.25018282495439054},{"text":"If you find you have any questions in relation to any of it, you're welcome to let me know.","start":1226.84,"end":1231.2599,"sentiment":"neutral","sentiment_score":0.1568431689551002}],"sentiment":"neutral","sentiment_score":0.22223780325685555,"num_words":52,"start":1215.785,"end":1231.2599},{"sentences":[{"text":"Okay?","start":1231.32,"end":1231.82,"sentiment":"neutral","sentiment_score":0.2507013976573944},{"text":"All good.","start":1234.9751,"end":1235.7151,"sentiment":"positive","sentiment_score":0.5861070156097412},{"text":"The other thing I just wanted to sort of touch base on, obviously, you're in that growth sort of environment there.","start":1235.775,"end":1240.495,"sentiment":"neutral","sentiment_score":0.04537567017333848},{"text":"Normally, a growth portfolio encompasses about 80% in those growth investments.","start":1240.495,"end":1244.8351,"sentiment":"neutral","sentiment_score":0.02756613806228746},{"text":"So we tend to look at Australian international shares, generally some gold and silver and things like that in there as well as your growth investments.","start":1244.9751,"end":1252.37,"sentiment":"neutral","sentiment_score":0.023638889050254457}],"sentiment":"neutral","sentiment_score":0.05399414977883218,"num_words":61,"start":1231.32,"end":1252.37},{"sentences":[{"text":"Did you wanna kind of reevaluate the risk level you're taking, or are you comfortable staying in that growth environment for the time being?","start":1252.51,"end":1259.65,"sentiment":"neutral","sentiment_score":-0.06796512310393155},{"text":"Still okay?","start":1262.4851,"end":1262.9651,"sentiment":"neutral","sentiment_score":0.07247638888657093},{"text":"Yeah.","start":1262.9651,"end":1263.285,"sentiment":"neutral","sentiment_score":0.14750352501869202},{"text":"Beautiful.","start":1263.285,"end":1263.785,"sentiment":"neutral","sentiment_score":0.3002049922943115},{"text":"Yeah.","start":1264.4851,"end":1264.805,"sentiment":"neutral","sentiment_score":-0.04749232903122902}],"sentiment":"neutral","sentiment_score":-0.03744806856687727,"num_words":29,"start":1252.51,"end":1264.805},{"sentences":[{"text":"That's Will we be on the phone if that happens?","start":1264.805,"end":1271.6051,"sentiment":"neutral","sentiment_score":-0.31242507696151733},{"text":"I can tell you.","start":1271.6051,"end":1272.2051,"sentiment":"neutral","sentiment_score":-0.21797551587224007},{"text":"I think I will all be jumping up and down.","start":1272.2051,"end":1274.9851,"sentiment":"negative","sentiment_score":-0.4181152403354645},{"text":"No.","start":1282.66,"end":1283.16,"sentiment":"neutral","sentiment_score":-0.17715132236480713},{"text":"No.","start":1283.22,"end":1283.54,"sentiment":"neutral","sentiment_score":-0.17793956398963928}],"sentiment":"neutral","sentiment_score":-0.3281690816466625,"num_words":26,"start":1264.805,"end":1283.54},{"sentences":[{"text":"You are fine.","start":1283.54,"end":1284.52,"sentiment":"neutral","sentiment_score":-0.1156083196401596},{"text":"You are fine.","start":1284.5801,"end":1285.56,"sentiment":"neutral","sentiment_score":-0.15587357183297476},{"text":"Yep.","start":1292.435,"end":1292.935,"sentiment":"negative","sentiment_score":-0.3866578042507171},{"text":"Yep.","start":1301.3301,"end":1301.7301,"sentiment":"neutral","sentiment_score":-0.04609927535057068},{"text":"Yep.","start":1301.7301,"end":1302.05,"sentiment":"neutral","sentiment_score":-0.04023651033639908}],"sentiment":"neutral","sentiment_score":-0.14304880715078777,"num_words":9,"start":1283.54,"end":1302.05},{"sentences":[{"text":"Yep.","start":1302.05,"end":1302.55,"sentiment":"neutral","sentiment_score":-0.038242094218730927},{"text":"Yep.","start":1308.13,"end":1308.63,"sentiment":"neutral","sentiment_score":-0.10195083916187286},{"text":"No.","start":1313.105,"end":1313.605,"sentiment":"neutral","sentiment_score":-0.08567999303340912},{"text":"No.","start":1313.825,"end":1314.325,"sentiment":"neutral","sentiment_score":-0.07842174172401428},{"text":"Oh, yeah.","start":1315.465,"end":1317.605,"sentiment":"neutral","sentiment_score":-0.032303592190146446}],"sentiment":"neutral","sentiment_score":-0.06148364208638668,"num_words":6,"start":1302.05,"end":1317.605},{"sentences":[{"text":"No.","start":1317.825,"end":1318.225,"sentiment":"neutral","sentiment_score":-0.06261168420314789},{"text":"I completely understand what you're saying.","start":1318.225,"end":1320.7849,"sentiment":"neutral","sentiment_score":-0.013604624196887016},{"text":"It's yeah.","start":1320.7849,"end":1321.345,"sentiment":"neutral","sentiment_score":0.03434916492551565},{"text":"I don't disagree in any way, shape, or form, so don't worry.","start":1321.345,"end":1324.325,"sentiment":"neutral","sentiment_score":0.024471654556691647},{"text":"It's all good.","start":1324.5449,"end":1325.445,"sentiment":"positive","sentiment_score":0.33910655975341797}],"sentiment":"neutral","sentiment_score":0.05147660143362979,"num_words":24,"start":1317.825,"end":1325.445},{"sentences":[{"text":"It's it's pretty difficult to sort of look at what we're doing.","start":1325.94,"end":1328.6599,"sentiment":"negative","sentiment_score":-0.37504437814156216},{"text":"I know the other couple of weeks back, we did sort of sit back down and have a chat with some of the economists that we do have access to.","start":1328.6599,"end":1336.26,"sentiment":"neutral","sentiment_score":-0.10322565101087093},{"text":"And, like, even they're saying, you know, we don't really know what's gonna happen.","start":1336.26,"end":1340.98,"sentiment":"neutral","sentiment_score":-0.23242101020046643},{"text":"It's kind of a week by week scenario.","start":1340.98,"end":1343.695,"sentiment":"neutral","sentiment_score":-0.01817828800994903},{"text":"The only thing they're sort of expecting is the inflation to keep growing.","start":1343.755,"end":1347.615,"sentiment":"neutral","sentiment_score":-0.0725976492349918}],"sentiment":"neutral","sentiment_score":-0.1550700253891674,"num_words":77,"start":1325.94,"end":1347.615},{"sentences":[{"text":"But when it comes to the the war and what's happening between The US and Iran and everything there, it's there's there's no one can determine what's going to happen.","start":1348.6349,"end":1357.52,"sentiment":"neutral","sentiment_score":-0.11074487591783205},{"text":"It's too unknown.","start":1357.52,"end":1358.64,"sentiment":"neutral","sentiment_score":-0.2371753454208374},{"text":"There's too many variables, and it changes on an hour by hour basis at this time.","start":1358.64,"end":1362.88,"sentiment":"neutral","sentiment_score":-0.13061398919671774},{"text":"So yeah.","start":1362.88,"end":1363.86,"sentiment":"neutral","sentiment_score":0.013185376301407814},{"text":"Yeah.","start":1365.8401,"end":1366.3401,"sentiment":"neutral","sentiment_score":0.058963146060705185}],"sentiment":"neutral","sentiment_score":-0.11612235081310456,"num_words":52,"start":1348.6349,"end":1366.3401},{"sentences":[{"text":"No.","start":1366.64,"end":1366.9601,"sentiment":"neutral","sentiment_score":0.08315800130367279},{"text":"All good.","start":1366.9601,"end":1367.52,"sentiment":"neutral","sentiment_score":0.2397235855460167},{"text":"All good.","start":1367.52,"end":1368.135,"sentiment":"neutral","sentiment_score":0.3298191428184509},{"text":"Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at.","start":1368.375,"end":1372.6951,"sentiment":"neutral","sentiment_score":0.19288736446337265},{"text":"Let me know if you do happen to have any questions there.","start":1372.6951,"end":1375.115,"sentiment":"neutral","sentiment_score":0.13255036001404127}],"sentiment":"neutral","sentiment_score":0.18093255888193083,"num_words":39,"start":1366.64,"end":1375.115},{"sentences":[{"text":"You with your time horizon, your age and stage and everything, the growth portfolio still suits where you're at.","start":1375.575,"end":1380.535,"sentiment":"neutral","sentiment_score":0.15624246314952248},{"text":"I'm more than happy to keep you in that environment.","start":1380.535,"end":1382.555,"sentiment":"positive","sentiment_score":0.5797462493181229},{"text":"If you find you are uncomfortable, wanna have a look at things, let me know.","start":1383.25,"end":1386.53,"sentiment":"neutral","sentiment_score":-0.12550295740365983},{"text":"I'm more than happy to do so.","start":1386.53,"end":1388.15,"sentiment":"neutral","sentiment_score":0.3112652152776718},{"text":"I'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line.","start":1388.53,"end":1394.53,"sentiment":"neutral","sentiment_score":0.12331605537070169}],"sentiment":"neutral","sentiment_score":0.15887070428102446,"num_words":78,"start":1375.575,"end":1394.53},{"sentences":[{"text":"I'll see if we need to maybe rebalance anything or if there's any maybe ethical areas that we haven't sort of touched on that we might be able to update your portfolio to.","start":1394.53,"end":1403.495,"sentiment":"neutral","sentiment_score":0.015870903844408916},{"text":"But I'll consider, obviously, taxation consequences there for your super as well, and also make sure that we're not, you know, overly overly cementing unnecessary gains or losses.","start":1403.495,"end":1413.88,"sentiment":"neutral","sentiment_score":-0.04833895480260253},{"text":"If there is any reason to not change, I'll just shoot you an email and let you know that we've done the research.","start":1414.34,"end":1420.76,"sentiment":"neutral","sentiment_score":0.013967153980680134},{"text":"Saying where you are is fine for the moment just so you're aware either way.","start":1420.82,"end":1424.8999,"sentiment":"neutral","sentiment_score":0.10476366430521011},{"text":"But if there is a reason to update the advice, I'll definitely do that for you.","start":1424.8999,"end":1428.2151,"sentiment":"neutral","sentiment_score":0.20564355980604887}],"sentiment":"neutral","sentiment_score":0.03785430917759305,"num_words":115,"start":1394.53,"end":1428.2151},{"sentences":[{"text":"Is that okay?","start":1428.2151,"end":1429.115,"sentiment":"neutral","sentiment_score":0.17413501938184103},{"text":"Yeah.","start":1430.935,"end":1431.415,"sentiment":"neutral","sentiment_score":0.2127295434474945},{"text":"That's okay.","start":1431.415,"end":1432.135,"sentiment":"neutral","sentiment_score":0.21461167931556702},{"text":"Not a problem at all.","start":1432.135,"end":1433.595,"sentiment":"neutral","sentiment_score":0.24573622345924379},{"text":"As part of, obviously, the annual review, we are sending out the ongoing service agreement for you.","start":1433.895,"end":1438.375,"sentiment":"neutral","sentiment_score":0.15679206830613754}],"sentiment":"neutral","sentiment_score":0.1806608656687396,"num_words":28,"start":1428.2151,"end":1438.375},{"sentences":[{"text":"So you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there.","start":1438.375,"end":1445.39,"sentiment":"neutral","sentiment_score":0.18722495436668396},{"text":"It is 1.65% per annum.","start":1445.39,"end":1447.89,"sentiment":"neutral","sentiment_score":0.0680132620036602},{"text":"That is a yearly figure, so it is as a percentage base fee, does fluctuate with the market.","start":1448.59,"end":1454.03,"sentiment":"neutral","sentiment_score":-0.011110867166684734},{"text":"So the idea of that is when the market's doing really well, when your portfolio has got a great return, then our fee does increase with it.","start":1454.03,"end":1460.465,"sentiment":"neutral","sentiment_score":0.16634312299666582},{"text":"However, when the market takes a bit of a dip due to what we're seeing at the moment, it means that our fee does take a bit of a dip there with it as well.","start":1460.465,"end":1467.505,"sentiment":"neutral","sentiment_score":-0.10771097455705915}],"sentiment":"neutral","sentiment_score":0.050382497923618014,"num_words":110,"start":1438.375,"end":1467.505},{"sentences":[{"text":"But do you have any questions around how the fee works or anything else with regard to us?","start":1467.505,"end":1472.3999,"sentiment":"neutral","sentiment_score":-0.0012060977104637357},{"text":"Or No.","start":1472.3999,"end":1475.2999,"sentiment":"neutral","sentiment_score":-0.008627447299659252},{"text":"That's okay.","start":1475.36,"end":1476.26,"sentiment":"neutral","sentiment_score":0.15757563710212708},{"text":"Perfect.","start":1476.48,"end":1476.98,"sentiment":"positive","sentiment_score":0.6431287527084351},{"text":"Is there anything else that you wanted me to sort of touch base on?","start":1477.5199,"end":1480.48,"sentiment":"neutral","sentiment_score":0.20402312917368753}],"sentiment":"neutral","sentiment_score":0.10204430221504457,"num_words":37,"start":1467.505,"end":1480.48},{"sentences":[{"text":"Is there any major changes to your life over the last twelve months at all?","start":1480.48,"end":1484.5599,"sentiment":"neutral","sentiment_score":-0.007994925106565158},{"text":"Or no.","start":1484.5599,"end":1490.0349,"sentiment":"neutral","sentiment_score":-0.03866072092205286},{"text":"That's okay.","start":1490.0349,"end":1490.835,"sentiment":"neutral","sentiment_score":0.08318625018000603},{"text":"I'll just quickly update your assets as well.","start":1490.835,"end":1493.735,"sentiment":"neutral","sentiment_score":0.11293269135057926},{"text":"Your main primary residence there, Anthony, the sorry.","start":1494.595,"end":1498.3999,"sentiment":"neutral","sentiment_score":0.019137388095259666}],"sentiment":"neutral","sentiment_score":0.029305366213832583,"num_words":35,"start":1480.48,"end":1498.3999},{"sentences":[{"text":"The value we have was about 450,000.","start":1498.3999,"end":1501.2,"sentiment":"neutral","sentiment_score":-0.018972770622765114},{"text":"Would you change that at all?","start":1501.2,"end":1502.74,"sentiment":"neutral","sentiment_score":-0.007223220231632392},{"text":"Yeah.","start":1506.1599,"end":1506.6599,"sentiment":"neutral","sentiment_score":0.01933203637599945},{"text":"Yep.","start":1522.1749,"end":1522.56,"sentiment":"neutral","sentiment_score":0.0022025785874575377},{"text":"Yep.","start":1523.8401,"end":1524.3401,"sentiment":"neutral","sentiment_score":-0.0014221917372196913}],"sentiment":"neutral","sentiment_score":-0.009752268282682053,"num_words":16,"start":1498.3999,"end":1524.3401},{"sentences":[{"text":"Okay.","start":1526.16,"end":1526.66,"sentiment":"neutral","sentiment_score":0.05724885314702988},{"text":"Yep.","start":1527.04,"end":1527.54,"sentiment":"neutral","sentiment_score":0.06843677163124084},{"text":"Yeah.","start":1530.7201,"end":1531.2001,"sentiment":"neutral","sentiment_score":0.032789021730422974},{"text":"No.","start":1531.2001,"end":1531.4401,"sentiment":"neutral","sentiment_score":0.011250931769609451},{"text":"That's okay.","start":1531.4401,"end":1532.2401,"sentiment":"neutral","sentiment_score":0.04250211827456951}],"sentiment":"neutral","sentiment_score":0.04245496913790703,"num_words":6,"start":1526.16,"end":1532.2401},{"sentences":[{"text":"Not a problem at all.","start":1532.2401,"end":1533.4401,"sentiment":"neutral","sentiment_score":0.0442173644900322},{"text":"Loan value, we had you owed about 220,000.","start":1533.4401,"end":1536.16,"sentiment":"neutral","sentiment_score":-0.058243900537490845},{"text":"Have you been able to decrease that loan at all?","start":1536.16,"end":1538.535,"sentiment":"neutral","sentiment_score":-0.10356667414307594},{"text":"Yeah.","start":1540.4551,"end":1540.9551,"sentiment":"neutral","sentiment_score":0.005737972911447287},{"text":"What?","start":1541.0951,"end":1541.5951,"sentiment":"neutral","sentiment_score":-0.001485179178416729}],"sentiment":"neutral","sentiment_score":-0.051051133181899785,"num_words":25,"start":1532.2401,"end":1541.5951},{"sentences":[{"text":"You're right.","start":1547.175,"end":1547.915,"sentiment":"neutral","sentiment_score":0.06067364290356636},{"text":"Yep.","start":1563.0449,"end":1563.365,"sentiment":"neutral","sentiment_score":0.08820365369319916},{"text":"Perfect.","start":1563.365,"end":1563.845,"sentiment":"positive","sentiment_score":0.4003328084945678},{"text":"Thank you so much for that.","start":1563.845,"end":1565.465,"sentiment":"positive","sentiment_score":0.557587206363678},{"text":"Motor vehicle current asset sorry.","start":1565.7649,"end":1567.845,"sentiment":"neutral","sentiment_score":0.01830446273088455}],"sentiment":"neutral","sentiment_score":0.269795286655426,"num_words":15,"start":1547.175,"end":1567.845},{"sentences":[{"text":"Asset value is about 30,000.","start":1567.845,"end":1569.7649,"sentiment":"neutral","sentiment_score":-0.018702637124806642},{"text":"Would you alter or change that in any way, shape, or form?","start":1569.7649,"end":1572.5049,"sentiment":"neutral","sentiment_score":0.01840129029005766},{"text":"Yep.","start":1575.46,"end":1575.7799,"sentiment":"neutral","sentiment_score":0.09154193103313446},{"text":"Perfect.","start":1575.7799,"end":1576.26,"sentiment":"neutral","sentiment_score":0.2541489005088806},{"text":"And your loan on the motor vehicle was about 17,000.","start":1576.26,"end":1579.38,"sentiment":"neutral","sentiment_score":0.06420383267104626}],"sentiment":"neutral","sentiment_score":0.03844936055548746,"num_words":29,"start":1567.845,"end":1579.38},{"sentences":[{"text":"Has that decreased a bit as well?","start":1579.38,"end":1581.32,"sentiment":"neutral","sentiment_score":0.010735832154750824},{"text":"That's okay.","start":1585.5399,"end":1586.36,"sentiment":"neutral","sentiment_score":0.014632136560976505},{"text":"Yep.","start":1589.875,"end":1590.355,"sentiment":"neutral","sentiment_score":0.11716972291469574},{"text":"Perfect.","start":1590.355,"end":1590.855,"sentiment":"positive","sentiment_score":0.5972859263420105},{"text":"Fantastic.","start":1591.075,"end":1591.575,"sentiment":"positive","sentiment_score":0.6317258477210999}],"sentiment":"neutral","sentiment_score":0.12088304959858458,"num_words":12,"start":1579.38,"end":1591.575},{"sentences":[{"text":"An offset account had about 44,008 hun 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assets?","start":1626.83,"end":1628.91,"sentiment":"neutral","sentiment_score":0.19329684413969517}],"sentiment":"positive","sentiment_score":0.3595988198238261,"num_words":17,"start":1615.6849,"end":1628.91},{"sentences":[{"text":"Have you added anything, any shares or collections or anything else of value that you'd wanna sorta note down?","start":1628.91,"end":1634.93,"sentiment":"neutral","sentiment_score":0.14068301531829333},{"text":"Yep.","start":1638.11,"end":1638.51,"sentiment":"neutral","sentiment_score":0.0446539930999279},{"text":"Yep.","start":1638.51,"end":1638.975,"sentiment":"neutral","sentiment_score":0.045494090765714645},{"text":"It's TMC.","start":1641.535,"end":1642.195,"sentiment":"neutral","sentiment_score":0.038315897807478905},{"text":"Yep.","start":1642.335,"end":1642.815,"sentiment":"neutral","sentiment_score":0.07229547947645187}],"sentiment":"neutral","sentiment_score":0.12133552708352606,"num_words":24,"start":1628.91,"end":1642.815},{"sentences":[{"text":"Perfect.","start":1642.815,"end":1643.2949,"sentiment":"neutral","sentiment_score":0.27857860922813416},{"text":"What's the value of those?","start":1643.2949,"end":1645.475,"sentiment":"neutral","sentiment_score":0.0461606353521347},{"text":"If you're not sure, that's okay.","start":1648.735,"end":1650.275,"sentiment":"neutral","sentiment_score":-0.033836838168402515},{"text":"Yeah.","start":1653.39,"end":1653.89,"sentiment":"neutral","sentiment_score":0.017655406147241592},{"text":"That's okay.","start":1654.03,"end":1654.69,"sentiment":"neutral","sentiment_score":0.0259382426738739}],"sentiment":"neutral","sentiment_score":0.025059509898225467,"num_words":15,"start":1642.815,"end":1654.69},{"sentences":[{"text":"Just Yeah.","start":1660.51,"end":1666.845,"sentiment":"neutral","sentiment_score":-0.00261121429502964},{"text":"That's okay.","start":1666.845,"end":1667.405,"sentiment":"neutral","sentiment_score":0.009662625845521688},{"text":"What's the total 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attorney?","start":1702.605,"end":1704.385,"sentiment":"neutral","sentiment_score":-0.021864349953830242}],"sentiment":"neutral","sentiment_score":0.0029548130653522632,"num_words":27,"start":1692.605,"end":1704.385},{"sentences":[{"text":"Yep.","start":1706.39,"end":1706.55,"sentiment":"neutral","sentiment_score":0.056143373250961304},{"text":"That's okay.","start":1706.55,"end":1707.27,"sentiment":"neutral","sentiment_score":0.12668919563293457},{"text":"Beautiful.","start":1707.27,"end":1707.75,"sentiment":"neutral","sentiment_score":0.3047318756580353},{"text":"On your super, I've got your your beneficiary noted as your legal personal representative.","start":1707.75,"end":1712.81,"sentiment":"neutral","sentiment_score":0.1508029087313584},{"text":"So noting that in the event of passing, it all goes through to your will.","start":1712.87,"end":1715.91,"sentiment":"neutral","sentiment_score":0.13286626935005189}],"sentiment":"neutral","sentiment_score":0.14298449705044428,"num_words":33,"start":1706.39,"end":1715.91},{"sentences":[{"text":"That's still how you want that to be noted.","start":1715.91,"end":1718.17,"sentiment":"neutral","sentiment_score":0.13040913310315874},{"text":"Yep.","start":1719.8849,"end":1720.3849,"sentiment":"neutral","sentiment_score":0.055803366005420685},{"text":"Yeah.","start":1722.2849,"end":1722.6849,"sentiment":"neutral","sentiment_score":0.11688870191574097},{"text":"Absolutely.","start":1722.6849,"end":1723.1849,"sentiment":"neutral","sentiment_score":0.3316762447357178},{"text":"Absolutely.","start":1723.6449,"end":1724.1449,"sentiment":"neutral","sentiment_score":0.18609461188316345}],"sentiment":"neutral","sentiment_score":0.1433957786514209,"num_words":13,"start":1715.91,"end":1724.1449},{"sentences":[{"text":"And any changes to, like, your marital status?","start":1724.445,"end":1727.245,"sentiment":"neutral","sentiment_score":0.03403255785815418},{"text":"I've got you down as still single.","start":1727.245,"end":1728.865,"sentiment":"neutral","sentiment_score":-0.04023503139615059},{"text":"Beautiful.","start":1736.5399,"end":1737.0399,"sentiment":"positive","sentiment_score":0.576978862285614},{"text":"Beautiful.","start":1737.4199,"end":1737.9199,"sentiment":"positive","sentiment_score":0.5942538976669312},{"text":"I have your next of kin noted as Sam Gagliano.","start":1738.14,"end":1741.52,"sentiment":"neutral","sentiment_score":0.2690336719155312}],"sentiment":"neutral","sentiment_score":0.14267350822963096,"num_words":27,"start":1724.445,"end":1741.52},{"sentences":[{"text":"Yep.","start":1743.9149,"end":1744.4149,"sentiment":"neutral","sentiment_score":0.14002180099487305},{"text":"Beautiful.","start":1745.355,"end":1745.855,"sentiment":"positive","sentiment_score":0.434844046831131},{"text":"Did you want is your next of kin still appropriate for your circumstance?","start":1746.155,"end":1749.455,"sentiment":"neutral","sentiment_score":0.19438897875639108},{"text":"You're still happy to keep Sam as your next of kin?","start":1749.515,"end":1752.015,"sentiment":"neutral","sentiment_score":0.26950747993859375},{"text":"Yep.","start":1754.155,"end":1754.49,"sentiment":"neutral","sentiment_score":0.143019899725914}],"sentiment":"neutral","sentiment_score":0.22998239817442717,"num_words":27,"start":1743.9149,"end":1754.49},{"sentences":[{"text":"Beautiful.","start":1754.73,"end":1755.23,"sentiment":"positive","sentiment_score":0.5523681640625},{"text":"Lovely.","start":1755.45,"end":1755.95,"sentiment":"positive","sentiment_score":0.624839186668396},{"text":"Excellent.","start":1756.17,"end":1756.67,"sentiment":"positive","sentiment_score":0.6057085990905762},{"text":"And any other additional goals over the next sort of 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all?","start":1782.44,"end":1787.32,"sentiment":"neutral","sentiment_score":0.13978206758436404},{"text":"Or go on a holiday?","start":1787.32,"end":1792.0599,"sentiment":"neutral","sentiment_score":-0.01984047293663025},{"text":"Yeah.","start":1797.395,"end":1797.795,"sentiment":"neutral","sentiment_score":-0.027272216975688934}],"sentiment":"neutral","sentiment_score":0.13004697067663074,"num_words":32,"start":1779.705,"end":1797.795},{"sentences":[{"text":"No.","start":1797.795,"end":1798.035,"sentiment":"neutral","sentiment_score":-0.079831063747406},{"text":"That's that's okay.","start":1798.035,"end":1799.335,"sentiment":"neutral","sentiment_score":-0.040022142231464386},{"text":"Have you got a hold 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one?","start":1806.195,"end":1810.68,"sentiment":"neutral","sentiment_score":0.13851882282056308},{"text":"Yes.","start":1815.0,"end":1815.5,"sentiment":"neutral","sentiment_score":0.0849435031414032},{"text":"Yeah.","start":1815.7201,"end":1816.2001,"sentiment":"neutral","sentiment_score":0.12386808544397354},{"text":"Perfect.","start":1816.2001,"end":1816.7001,"sentiment":"neutral","sentiment_score":0.22931435704231265},{"text":"No.","start":1817.0,"end":1817.4,"sentiment":"neutral","sentiment_score":0.09556250274181366}],"sentiment":"neutral","sentiment_score":0.1376324383460957,"num_words":23,"start":1806.195,"end":1817.4},{"sentences":[{"text":"Excellent.","start":1817.4,"end":1817.9,"sentiment":"neutral","sentiment_score":0.24943552911281583},{"text":"All good.","start":1818.12,"end":1818.9401,"sentiment":"neutral","sentiment_score":0.25862453877925873},{"text":"Well, that's everything that I needed to touch base on.","start":1819.2401,"end":1821.4,"sentiment":"neutral","sentiment_score":0.21685430854558946},{"text":"I know you're extremely busy, so I will let you go.","start":1821.4,"end":1823.7201,"sentiment":"neutral","sentiment_score":0.053413070060990074},{"text":"I'll get the annual review pack out to you very shortly, and I'll start the research on things for you.","start":1823.7201,"end":1828.055,"sentiment":"neutral","sentiment_score":0.1519719565170817}],"sentiment":"neutral","sentiment_score":0.1491411498440853,"num_words":44,"start":1817.4,"end":1828.055},{"sentences":[{"text":"In the meantime, if there's anything else that you do need, please let me know, and I'll definitely look to do a bit of a catch up with you.","start":1828.515,"end":1834.275,"sentiment":"neutral","sentiment_score":0.11399572683048659},{"text":"Is three months okay, or did you wanna catch up at any specific time of the year this year?","start":1834.275,"end":1838.675,"sentiment":"neutral","sentiment_score":0.017383481032754246},{"text":"Or three months is fine.","start":1838.675,"end":1843.54,"sentiment":"neutral","sentiment_score":0.05185370892286301},{"text":"Beautiful.","start":1843.54,"end":1844.04,"sentiment":"positive","sentiment_score":0.7600722312927246},{"text":"Lovely.","start":1845.54,"end":1846.04,"sentiment":"positive","sentiment_score":0.8239043354988098}],"sentiment":"neutral","sentiment_score":0.09962558780204166,"num_words":55,"start":1828.515,"end":1846.04},{"sentences":[{"text":"All good.","start":1846.26,"end":1846.74,"sentiment":"positive","sentiment_score":0.7517722249031067},{"text":"Well, thank you so much.","start":1846.74,"end":1847.62,"sentiment":"positive","sentiment_score":0.7955244541168213},{"text":"I hope you have a good day.","start":1847.62,"end":1848.9,"sentiment":"positive","sentiment_score":0.7396815930094037},{"text":"I hope things get a bit better for you.","start":1848.9,"end":1851.0801,"sentiment":"positive","sentiment_score":0.6032251119613647},{"text":"And, yeah, August, I'll do research and get that annual review pack out to you very shortly.","start":1851.2201,"end":1855.065,"sentiment":"positive","sentiment_score":0.34744132353978996}],"sentiment":"positive","sentiment_score":0.5498616594821215,"num_words":40,"start":1846.26,"end":1855.065},{"sentences":[{"text":"Okay?","start":1855.065,"end":1855.565,"sentiment":"neutral","sentiment_score":0.14628000557422638},{"text":"My pleasure, Anthony.","start":1857.945,"end":1858.985,"sentiment":"positive","sentiment_score":0.8108891844749451},{"text":"I hope you have a great day, and thank you so much for calling back.","start":1858.985,"end":1861.725,"sentiment":"positive","sentiment_score":0.8419718941052755},{"text":"Thanks.","start":1864.345,"end":1864.6649,"sentiment":"positive","sentiment_score":0.5910093784332275},{"text":"See you later.","start":1864.6649,"end":1865.465,"sentiment":"positive","sentiment_score":0.4811188578605652}],"sentiment":"positive","sentiment_score":0.7496909531562225,"num_words":23,"start":1855.065,"end":1865.465},{"sentences":[{"text":"Bye.","start":1865.465,"end":1865.965,"sentiment":"neutral","sentiment_score":0.24398639798164368}],"sentiment":"neutral","sentiment_score":0.24398639798164368,"num_words":1,"start":1865.465,"end":1865.965}]}}]},{"alternatives":[{"transcript":"Hi. Sorry. I keep missing your call. Yeah. One day, I'm gonna retire early and kiss KPMG goodbye. Really? Bad month. Really? Yep. Yep. Yep. No other questions. Just my main thing is with the whole going on in the world, just hoping that I'm not missing out on maybe other investments or things I should be doing or not doing. Just sure that that's okay and that's it. It's appreciating in value as it's good, you know, annually. I haven't really gone in there or looked at it in a while. Yes. And is that is that the usual figure with other because I on my portfolio is a little bit, you know, different to most because of it, trying to keep things green and But compared to somebody else who had a bit more traditional portfolio, what was their rate of return, not including contribution? Yes. It turned out. Yes. That's my question. Is is there specific components like certain EFT things in it? Sorry. ETFs in it that are constantly dragging it down whilst others are going up. Like, is there some that we just have to let go or something like that? Something? Yeah. Yeah. Yes. Yes. I understand. No. No. No. You answered the question, basically. It's something that's having a a downward trend even before this couple. And looks like no. It's just it seems to be fine. It's just it won't grow as big as other portfolios, but it seems to still be growing slowly. It's like much of a mess, and there's nothing particular thing that is a current concern to pull away. If that's the case, I don't wanna don't wanna sell it because this is a long term thing and that kind of thing. Yeah. Yeah. So but then here's the key question. Here's the key question. Has my rate of return since I've left Ethical Super been the same or better over that that you know, the last couple of years compared to Ethical Super's rate of return? That's the interesting thing. Like, was it worthwhile to move? Yep. And and how do I how do I see a simple report or screenshot to compare the the two? Yeah. Yes. Yeah. Yeah. Sounds good. Sounds good. Yep. So what would be that what what's the figure, you know, like, if I was comparing the figure, like, what what's the figure? So I'm I'm having, what, 2%, 3% annual return. What's that figure in the last six to twelve months? Mhmm. Yes. Yeah. I agree with you, sir. I'm just asking the question, but I agree with you. So I'm not looking to anything. I just wanna prompt to see that where that, you know, there isn't anything particular that we haven't at an angle we haven't looked at. Like, my like, my other question would be, is there an ethical ETF or something that I don't have or something that's almost ethical that I you know, I'm really stupid to not have. That's the next thing. Yes. Yes. Sounds perfect. Sounds good. Nope. I think that's pretty much it. Yes. With the exception of it, there's a change, but I don't have much details yet. KPMG has changed has changed their super from Smart Monday to host plus. Yeah. So all the ones I get for free. So death cover what or is it the other one? Permanent disability. And I'm not sure if they cover and protect it. But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet. And so what what the new stuff will be yet, it's coming soon. And and I do have a separate insurance. What was it? Life insurance, was it? I can't remember now. No. Yes. Yes. So I don't think KPMG covers income protection. So I think that's why I called it separately. A little bit. A little bit, but I would rather wait for the next performance review to to get another figure. There's no point in changing it now when it will change again. Yes. Yes. Yes. Will do. Still still okay. Still working for now. I went from as a complete meltdown and becomes dictator. Really hope that he just eats enough burgers and just gets a heart attack. Oh, I'm sorry. It's a little bit mean. But it it been absolute absolute complete utter waste of space and politically, just just the the just the you know, remember they used to talk about the sanctity of the office of the president? You know, talk about that, about, you know, you gotta be careful and, you know, you shouldn't be criticizing because you have to be careful and sort of like, that has never been mentioned in the last couple of years if you've noticed. Yep. Perfect. Thank you. No. That's fine. For my property? At this stage, no. But there is a there is a unit being sold through next to me that has been renovated, and it's similar to the value of my place. Property is a bit more than mine for he has got more car park space than I do. I'll let you know where how much it sells, and if I really think I should purchase. Oh, yes. The current balance is just give me a moment. The current balance is $169,085. So $1.06 $9.00 $8.05. Let's leave it to that for now. Yeah. I I don't have the figure in front of me. Let's pull a random thing over what? 12,000? No. The offset account is much lower, but also because I've moved some money the extra into the actual loan itself. So my offset account is now 16900. Oh, actually, I do have some shares with by TMC Invest. Yeah. I can tell you. Just just give me a moment. But when you say value, do you mean just of the shares? Because there is a little bit of cash, like money I've transferred, but I haven't purchased shares yet with So do you want the total So the total value of the portfolio, so that is accounting for the losses and whatever available cash is there is $861. I have a will and just a will. No power of attorney, no medical thing, just a will. Yep. Perfect. Yes. That was the advice I was given, but the best way to do it. Yeah. Well, I'm not married, and I don't live with somebody, but I am dating someone. So that's new. Yep. Yes. So my is my brother, my oldest brother. Sorry about that. But my mom is still around. I think, technically, we're next to King, but she's she's very probably unable to handle all this stuff. I hope it's I'm gonna put in my brother. Got a hold, which is not what you wanna hear because I don't wanna spend money. Right? But, no. I don't have any other financial support, really. Just just pay off my home loan. Just keep, yeah, just keep paying off my home loan anyway. There will be little ones coming up here and there. Yeah. Three months is fine. Okay. Thank you. You too. Cheers. Cheers. Bye. 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Sorry. I keep missing your call. Yeah. One day, I'm gonna retire early and kiss KPMG goodbye.\n\nReally? Bad month. Really? Yep. Yep.\n\nYep. No other questions. Just my main thing is with the whole going on in the world, just hoping that I'm not missing out on maybe other investments or things I should be doing or not doing. Just sure that that's okay and that's it. It's appreciating in value as it's good, you know, annually.\n\nI haven't really gone in there or looked at it in a while. Yes. And is that is that the usual figure with other because I on my portfolio is a little bit, you know, different to most because of it, trying to keep things green and But compared to somebody else who had a bit more traditional portfolio, what was their rate of return, not including contribution? Yes. It turned out.\n\nYes. That's my question. Is is there specific components like certain EFT things in it? Sorry. ETFs in it that are constantly dragging it down whilst others are going up.\n\nLike, is there some that we just have to let go or something like that? Something? Yeah. Yeah. Yes.\n\nYes. I understand. No. No. No.\n\nYou answered the question, basically. It's something that's having a a downward trend even before this couple. And looks like no. It's just it seems to be fine. It's just it won't grow as big as other portfolios, but it seems to still be growing slowly.\n\nIt's like much of a mess, and there's nothing particular thing that is a current concern to pull away. If that's the case, I don't wanna don't wanna sell it because this is a long term thing and that kind of thing. Yeah. Yeah. So but then here's the key question.\n\nHere's the key question. Has my rate of return since I've left Ethical Super been the same or better over that that you know, the last couple of years compared to Ethical Super's rate of return? That's the interesting thing. Like, was it worthwhile to move? Yep.\n\nAnd and how do I how do I see a simple report or screenshot to compare the the two? Yeah. Yes. Yeah. Yeah.\n\nSounds good. Sounds good. Yep. So what would be that what what's the figure, you know, like, if I was comparing the figure, like, what what's the figure? So I'm I'm having, what, 2%, 3% annual return.\n\nWhat's that figure in the last six to twelve months? Mhmm. Yes. Yeah. I agree with you, sir.\n\nI'm just asking the question, but I agree with you. So I'm not looking to anything. I just wanna prompt to see that where that, you know, there isn't anything particular that we haven't at an angle we haven't looked at. Like, my like, my other question would be, is there an ethical ETF or something that I don't have or something that's almost ethical that I you know, I'm really stupid to not have. That's the next thing.\n\nYes. Yes. Sounds perfect. Sounds good. Nope.\n\nI think that's pretty much it. Yes. With the exception of it, there's a change, but I don't have much details yet. KPMG has changed has changed their super from Smart Monday to host plus. Yeah.\n\nSo all the ones I get for free. So death cover what or is it the other one? Permanent disability. And I'm not sure if they cover and protect it. But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet.\n\nAnd so what what the new stuff will be yet, it's coming soon. And and I do have a separate insurance. What was it? Life insurance, was it? I can't remember now.\n\nNo. Yes. Yes. So I don't think KPMG covers income protection. So I think that's why I called it separately.\n\nA little bit. A little bit, but I would rather wait for the next performance review to to get another figure. There's no point in changing it now when it will change again. Yes. Yes.\n\nYes. Will do. Still still okay. Still working for now. I went from as a complete meltdown and becomes dictator.\n\nReally hope that he just eats enough burgers and just gets a heart attack. Oh, I'm sorry. It's a little bit mean. But it it been absolute absolute complete utter waste of space and politically, just just the the just the you know, remember they used to talk about the sanctity of the office of the president? You know, talk about that, about, you know, you gotta be careful and, you know, you shouldn't be criticizing because you have to be careful and sort of like, that has never been mentioned in the last couple of years if you've noticed.\n\nYep. Perfect. Thank you. No. That's fine.\n\nFor my property? At this stage, no. But there is a there is a unit being sold through next to me that has been renovated, and it's similar to the value of my place. Property is a bit more than mine for he has got more car park space than I do. I'll let you know where how much it sells, and if I really think I should purchase.\n\nOh, yes. The current balance is just give me a moment. The current balance is $169,085. So $1.06 $9.00 $8.05. Let's leave it to that for now.\n\nYeah. I I don't have the figure in front of me. Let's pull a random thing over what? 12,000? No.\n\nThe offset account is much lower, but also because I've moved some money the extra into the actual loan itself. So my offset account is now 16900. Oh, actually, I do have some shares with by TMC Invest. Yeah. I can tell you.\n\nJust just give me a moment. But when you say value, do you mean just of the shares? Because there is a little bit of cash, like money I've transferred, but I haven't purchased shares yet with So do you want the total So the total value of the portfolio, so that is accounting for the losses and whatever available cash is there is $861. I have a will and just a will. No power of attorney, no medical thing, just a will.\n\nYep. Perfect. Yes. That was the advice I was given, but the best way to do it. Yeah.\n\nWell, I'm not married, and I don't live with somebody, but I am dating someone. So that's new. Yep. Yes. So my is my brother, my oldest brother.\n\nSorry about that. But my mom is still around. I think, technically, we're next to King, but she's she's very probably unable to handle all this stuff. I hope it's I'm gonna put in my brother. Got a hold, which is not what you wanna hear because I don't wanna spend money.\n\nRight? But, no. I don't have any other financial support, really. Just just pay off my home loan. Just keep, yeah, just keep paying off my home loan anyway.\n\nThere will be little ones coming up here and there. Yeah. Three months is fine. Okay. Thank you.\n\nYou too. Cheers. Cheers. Bye. Gotcha.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.01060640811920166},{"text":"Sorry.","start":4.0,"end":4.48,"sentiment":"neutral","sentiment_score":-0.12065470218658449},{"text":"I keep missing your call.","start":4.48,"end":5.7799997,"sentiment":"neutral","sentiment_score":-0.27813223004341125},{"text":"Yeah.","start":10.4,"end":10.88,"sentiment":"neutral","sentiment_score":0.11184138059616087},{"text":"One day, I'm gonna retire early and kiss KPMG goodbye.","start":10.88,"end":14.099999,"sentiment":"neutral","sentiment_score":0.1418810360133648}],"sentiment":"neutral","sentiment_score":0.001663460913631651,"num_words":18,"start":3.6799998,"end":14.099999},{"sentences":[{"text":"Really?","start":20.884998,"end":21.384998,"sentiment":"neutral","sentiment_score":-0.04533689469099045},{"text":"Bad month.","start":25.605,"end":26.505,"sentiment":"neutral","sentiment_score":-0.2231353372335434},{"text":"Really?","start":26.564999,"end":27.064999,"sentiment":"neutral","sentiment_score":-0.08298998326063156},{"text":"Yep.","start":37.2,"end":37.440002,"sentiment":"neutral","sentiment_score":0.08803367614746094},{"text":"Yep.","start":37.440002,"end":37.6,"sentiment":"neutral","sentiment_score":0.09765468537807465}],"sentiment":"neutral","sentiment_score":-0.06481819848219554,"num_words":6,"start":20.884998,"end":37.6},{"sentences":[{"text":"Yep.","start":37.6,"end":38.1,"sentiment":"neutral","sentiment_score":0.1541787087917328},{"text":"No other questions.","start":53.195,"end":54.095,"sentiment":"neutral","sentiment_score":-0.023357443511486053},{"text":"Just my main thing is with the whole going on in the world, just hoping that I'm not missing out on maybe other investments or things I should be doing or not doing.","start":54.235,"end":65.64,"sentiment":"neutral","sentiment_score":0.0027313076637007975},{"text":"Just sure that that's okay and that's it.","start":66.5,"end":69.495,"sentiment":"neutral","sentiment_score":0.19116400741040707},{"text":"It's appreciating in value as it's good, you know, annually.","start":69.495,"end":74.475,"sentiment":"positive","sentiment_score":0.4042258530855179}],"sentiment":"neutral","sentiment_score":0.10446927493268793,"num_words":55,"start":37.6,"end":74.475},{"sentences":[{"text":"I haven't really gone in there or looked at it in a while.","start":76.535,"end":79.835,"sentiment":"neutral","sentiment_score":-0.1664235803943414},{"text":"Yes.","start":97.205,"end":97.705,"sentiment":"neutral","sentiment_score":-0.07095476984977722},{"text":"And is that is that the usual figure with other because I on my portfolio is a little bit, you know, different to most because of it, trying to keep things green and But compared to somebody else who had a bit more traditional portfolio, what was their rate of return, not including contribution?","start":141.84,"end":163.305,"sentiment":"neutral","sentiment_score":-0.0158324727823061},{"text":"Yes.","start":431.51,"end":431.91,"sentiment":"neutral","sentiment_score":0.04416497424244881},{"text":"It turned out.","start":431.91,"end":432.87,"sentiment":"neutral","sentiment_score":0.06386752178271611}],"sentiment":"neutral","sentiment_score":-0.03963399035597427,"num_words":72,"start":76.535,"end":432.87},{"sentences":[{"text":"Yes.","start":432.87,"end":433.27,"sentiment":"neutral","sentiment_score":0.03097793459892273},{"text":"That's my question.","start":433.27,"end":434.15,"sentiment":"neutral","sentiment_score":0.014520409827431044},{"text":"Is is there specific components like certain EFT things in it?","start":434.15,"end":439.21,"sentiment":"neutral","sentiment_score":0.00040250635621222585},{"text":"Sorry.","start":439.635,"end":440.035,"sentiment":"neutral","sentiment_score":-0.01418126095086336},{"text":"ETFs in it that are constantly dragging it down whilst others are going up.","start":440.035,"end":446.27502,"sentiment":"neutral","sentiment_score":-0.07911613869613834}],"sentiment":"neutral","sentiment_score":-0.034761348956575,"num_words":30,"start":432.87,"end":446.27502},{"sentences":[{"text":"Like, is there some that we just have to let go or something like that?","start":446.27502,"end":449.715,"sentiment":"neutral","sentiment_score":-0.07163137570023537},{"text":"Something?","start":449.715,"end":450.215,"sentiment":"neutral","sentiment_score":-0.039306022226810455},{"text":"Yeah.","start":541.905,"end":542.405,"sentiment":"neutral","sentiment_score":-0.05645573139190674},{"text":"Yeah.","start":542.465,"end":542.965,"sentiment":"neutral","sentiment_score":-0.053070828318595886},{"text":"Yes.","start":554.88,"end":555.12,"sentiment":"neutral","sentiment_score":-0.03813280165195465}],"sentiment":"neutral","sentiment_score":-0.06639136942593675,"num_words":19,"start":446.27502,"end":555.12},{"sentences":[{"text":"Yes.","start":555.12,"end":555.27997,"sentiment":"neutral","sentiment_score":-0.026138991117477417},{"text":"I understand.","start":555.27997,"end":555.86,"sentiment":"neutral","sentiment_score":-0.06372798606753349},{"text":"No.","start":587.295,"end":587.695,"sentiment":"neutral","sentiment_score":-0.0654907152056694},{"text":"No.","start":587.695,"end":588.195,"sentiment":"neutral","sentiment_score":-0.10588113963603972},{"text":"No.","start":589.935,"end":590.01495,"sentiment":"neutral","sentiment_score":-0.08599389344453812}],"sentiment":"neutral","sentiment_score":-0.06849345192313194,"num_words":6,"start":555.12,"end":590.01495},{"sentences":[{"text":"You answered the question, basically.","start":590.01495,"end":591.39496,"sentiment":"neutral","sentiment_score":-0.08205416798591614},{"text":"It's something that's having a a downward trend even before this couple.","start":591.535,"end":597.555,"sentiment":"neutral","sentiment_score":-0.25337346146504086},{"text":"And looks like no.","start":598.575,"end":599.695,"sentiment":"neutral","sentiment_score":-0.08632296323776245},{"text":"It's just it seems to be fine.","start":599.695,"end":601.295,"sentiment":"neutral","sentiment_score":-0.043556111731699536},{"text":"It's just it won't grow as big as other portfolios, but it seems to still be growing slowly.","start":601.295,"end":607.37994,"sentiment":"neutral","sentiment_score":-0.22477194128765}],"sentiment":"neutral","sentiment_score":-0.17710504251653733,"num_words":46,"start":590.01495,"end":607.37994},{"sentences":[{"text":"It's like much of a mess, and there's nothing particular thing that is a current concern to pull away.","start":607.75995,"end":614.18,"sentiment":"neutral","sentiment_score":-0.237258323321217},{"text":"If that's the case, I don't wanna don't wanna sell it because this is a long term thing and that kind of thing.","start":614.495,"end":620.435,"sentiment":"neutral","sentiment_score":-0.31317199766635895},{"text":"Yeah.","start":679.195,"end":679.515,"sentiment":"neutral","sentiment_score":0.015927929431200027},{"text":"Yeah.","start":679.515,"end":679.755,"sentiment":"neutral","sentiment_score":0.008149411529302597},{"text":"So but then here's the key question.","start":679.755,"end":681.455,"sentiment":"neutral","sentiment_score":-0.05129214535866465}],"sentiment":"neutral","sentiment_score":-0.2361927797250888,"num_words":51,"start":607.75995,"end":681.455},{"sentences":[{"text":"Here's the key question.","start":682.955,"end":684.09503,"sentiment":"neutral","sentiment_score":-0.046623808331787586},{"text":"Has my rate of return since I've left Ethical Super been the same or better over that that you know, the last couple of years compared to Ethical Super's rate of return?","start":686.11,"end":694.83,"sentiment":"neutral","sentiment_score":0.06792564608622342},{"text":"That's the interesting thing.","start":694.83,"end":695.95,"sentiment":"neutral","sentiment_score":0.08660488482564688},{"text":"Like, was it worthwhile to move?","start":695.95,"end":697.97003,"sentiment":"neutral","sentiment_score":0.06499474340428908},{"text":"Yep.","start":732.465,"end":732.86505,"sentiment":"neutral","sentiment_score":0.08344048261642456}],"sentiment":"neutral","sentiment_score":0.05972242391014353,"num_words":47,"start":682.955,"end":732.86505},{"sentences":[{"text":"And and how do I how do I see a simple report or screenshot to compare the the two?","start":732.86505,"end":738.005,"sentiment":"neutral","sentiment_score":0.037401543538037096},{"text":"Yeah.","start":788.03503,"end":788.53503,"sentiment":"neutral","sentiment_score":0.028009874746203423},{"text":"Yes.","start":788.835,"end":789.335,"sentiment":"neutral","sentiment_score":-0.024398133158683777},{"text":"Yeah.","start":813.275,"end":813.435,"sentiment":"neutral","sentiment_score":0.1497439444065094},{"text":"Yeah.","start":813.435,"end":813.675,"sentiment":"neutral","sentiment_score":0.2521132826805115}],"sentiment":"neutral","sentiment_score":0.048526012865097626,"num_words":23,"start":732.86505,"end":813.675},{"sentences":[{"text":"Sounds good.","start":813.675,"end":814.315,"sentiment":"positive","sentiment_score":0.5485489070415497},{"text":"Sounds good.","start":814.315,"end":814.875,"sentiment":"positive","sentiment_score":0.5279548466205597},{"text":"Yep.","start":814.875,"end":815.375,"sentiment":"neutral","sentiment_score":0.1333194375038147},{"text":"So what would be that what what's the figure, you know, like, if I was comparing the figure, like, what what's the figure?","start":815.59503,"end":822.155,"sentiment":"neutral","sentiment_score":0.05797702972979649},{"text":"So I'm I'm having, what, 2%, 3% annual return.","start":822.155,"end":825.295,"sentiment":"neutral","sentiment_score":0.1648245139254464}],"sentiment":"neutral","sentiment_score":0.13792484470114513,"num_words":37,"start":813.675,"end":825.295},{"sentences":[{"text":"What's that figure in the last six to twelve months?","start":825.95996,"end":829.66,"sentiment":"neutral","sentiment_score":0.18882752507925032},{"text":"Mhmm.","start":839.39996,"end":839.89996,"sentiment":"neutral","sentiment_score":0.05926816910505295},{"text":"Yes.","start":846.485,"end":846.985,"sentiment":"neutral","sentiment_score":0.06166766583919525},{"text":"Yeah.","start":860.2,"end":860.7,"sentiment":"neutral","sentiment_score":0.07495787739753723},{"text":"I agree with you, sir.","start":934.405,"end":935.285,"sentiment":"neutral","sentiment_score":0.2849923849105835}],"sentiment":"neutral","sentiment_score":0.19495171598262256,"num_words":18,"start":825.95996,"end":935.285},{"sentences":[{"text":"I'm just asking the question, but I agree with you.","start":935.285,"end":937.045,"sentiment":"neutral","sentiment_score":0.22834456115961074},{"text":"So I'm not looking to anything.","start":937.045,"end":938.505,"sentiment":"neutral","sentiment_score":-0.09371042499939601},{"text":"I just wanna prompt to see that where that, you know, there isn't anything particular that we haven't at an angle we haven't looked at.","start":938.645,"end":945.83,"sentiment":"neutral","sentiment_score":-0.13777445420622825},{"text":"Like, my like, my other question would be, is there an ethical ETF or something that I don't have or something that's almost ethical that I you know, I'm really stupid to not have.","start":946.05,"end":958.265,"sentiment":"neutral","sentiment_score":-0.33221792933695454},{"text":"That's the next thing.","start":958.265,"end":959.48505,"sentiment":"neutral","sentiment_score":-0.15595287270843983}],"sentiment":"neutral","sentiment_score":-0.17268859977020493,"num_words":79,"start":935.285,"end":959.48505},{"sentences":[{"text":"Yes.","start":1007.57,"end":1008.07,"sentiment":"neutral","sentiment_score":-0.09907011687755583},{"text":"Yes.","start":1009.51495,"end":1010.01495,"sentiment":"neutral","sentiment_score":-0.13611838221549988},{"text":"Sounds perfect.","start":1025.97,"end":1026.79,"sentiment":"positive","sentiment_score":0.4300657659769058},{"text":"Sounds good.","start":1034.05,"end":1034.71,"sentiment":"positive","sentiment_score":0.4397238790988922},{"text":"Nope.","start":1044.145,"end":1044.465,"sentiment":"neutral","sentiment_score":-0.11111416667699814}],"sentiment":"neutral","sentiment_score":0.19903951776879175,"num_words":7,"start":1007.57,"end":1044.465},{"sentences":[{"text":"I think that's pretty much it.","start":1044.465,"end":1045.925,"sentiment":"neutral","sentiment_score":-0.09397125616669655},{"text":"Yes.","start":1092.205,"end":1092.605,"sentiment":"neutral","sentiment_score":-0.0005758730694651604},{"text":"With the exception of it, there's a change, but I don't have much details yet.","start":1092.605,"end":1097.105,"sentiment":"neutral","sentiment_score":-0.0875201421479384},{"text":"KPMG has changed has changed their super from Smart Monday to host plus.","start":1097.325,"end":1103.345,"sentiment":"neutral","sentiment_score":-0.0337139660349259},{"text":"Yeah.","start":1110.62,"end":1110.94,"sentiment":"neutral","sentiment_score":0.004605120979249477}],"sentiment":"neutral","sentiment_score":-0.06419116610454188,"num_words":36,"start":1044.465,"end":1110.94},{"sentences":[{"text":"So all the ones I get for free.","start":1110.94,"end":1112.96,"sentiment":"neutral","sentiment_score":0.008130848174914718},{"text":"So death cover what or is it the other one?","start":1114.62,"end":1117.6799,"sentiment":"neutral","sentiment_score":-0.057251301035284995},{"text":"Permanent disability.","start":1118.235,"end":1123.115,"sentiment":"neutral","sentiment_score":-0.04881943762302399},{"text":"And I'm not sure if they cover and protect it.","start":1123.115,"end":1124.955,"sentiment":"neutral","sentiment_score":-0.2754365518689156},{"text":"But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet.","start":1124.955,"end":1130.555,"sentiment":"neutral","sentiment_score":-0.2889329095681508}],"sentiment":"neutral","sentiment_score":-0.19062704534304362,"num_words":54,"start":1110.94,"end":1130.555},{"sentences":[{"text":"And so what what the new stuff will be yet, it's coming soon.","start":1130.555,"end":1135.06,"sentiment":"neutral","sentiment_score":-0.12941831149733984},{"text":"And and I do have a separate insurance.","start":1135.6401,"end":1138.66,"sentiment":"neutral","sentiment_score":-0.010270500555634499},{"text":"What was it?","start":1138.7201,"end":1139.3601,"sentiment":"neutral","sentiment_score":-0.02065698802471161},{"text":"Life insurance, was it?","start":1139.3601,"end":1140.4,"sentiment":"neutral","sentiment_score":-0.034545021597296},{"text":"I can't remember now.","start":1140.4,"end":1141.52,"sentiment":"neutral","sentiment_score":-0.09807406738400459}],"sentiment":"neutral","sentiment_score":-0.07365779293468222,"num_words":32,"start":1130.555,"end":1141.52},{"sentences":[{"text":"No.","start":1141.52,"end":1142.02,"sentiment":"neutral","sentiment_score":-0.18132811784744263},{"text":"Yes.","start":1145.905,"end":1146.065,"sentiment":"neutral","sentiment_score":0.008927403017878532},{"text":"Yes.","start":1146.065,"end":1146.225,"sentiment":"neutral","sentiment_score":-0.0010585691779851911},{"text":"So I don't think KPMG covers income protection.","start":1146.225,"end":1148.805,"sentiment":"neutral","sentiment_score":-0.10398556059226394},{"text":"So I think that's why I called it separately.","start":1149.425,"end":1151.205,"sentiment":"neutral","sentiment_score":-0.10095083796315724}],"sentiment":"neutral","sentiment_score":-0.0956950655207038,"num_words":20,"start":1141.52,"end":1151.205},{"sentences":[{"text":"A little bit.","start":1164.75,"end":1165.7101,"sentiment":"neutral","sentiment_score":-0.12011715273062389},{"text":"A little bit, but I would rather wait for the next performance review to to get another figure.","start":1165.7101,"end":1170.3501,"sentiment":"neutral","sentiment_score":-0.2626013143195046},{"text":"There's no point in changing it now when it will change again.","start":1170.3501,"end":1172.8501,"sentiment":"negative","sentiment_score":-0.38046850139896077},{"text":"Yes.","start":1216.78,"end":1217.1,"sentiment":"neutral","sentiment_score":0.15506403148174286},{"text":"Yes.","start":1217.1,"end":1217.3401,"sentiment":"neutral","sentiment_score":0.176019087433815}],"sentiment":"neutral","sentiment_score":-0.2663346861089979,"num_words":35,"start":1164.75,"end":1217.3401},{"sentences":[{"text":"Yes.","start":1217.3401,"end":1217.8401,"sentiment":"neutral","sentiment_score":0.21304677426815033},{"text":"Will do.","start":1233.6749,"end":1234.495,"sentiment":"positive","sentiment_score":0.33671213686466217},{"text":"Still still okay.","start":1260.635,"end":1261.855,"sentiment":"neutral","sentiment_score":0.04575302079319954},{"text":"Still working for now.","start":1262.715,"end":1263.835,"sentiment":"neutral","sentiment_score":0.1064460426568985},{"text":"I went from as a complete meltdown and becomes dictator.","start":1263.835,"end":1268.175,"sentiment":"negative","sentiment_score":-0.4244466755539179}],"sentiment":"neutral","sentiment_score":-0.13974762372672558,"num_words":20,"start":1217.3401,"end":1268.175},{"sentences":[{"text":"Really hope that he just eats enough burgers and just gets a heart attack.","start":1276.7699,"end":1280.61,"sentiment":"negative","sentiment_score":-0.4458709444318499},{"text":"Oh, I'm sorry.","start":1280.61,"end":1281.35,"sentiment":"neutral","sentiment_score":-0.19833195209503174},{"text":"It's a little bit mean.","start":1281.73,"end":1282.71,"sentiment":"neutral","sentiment_score":-0.2555176794528961},{"text":"But it it been absolute absolute complete utter waste of space and politically, just just the the just the you know, remember they used to talk about the sanctity of the office of the president?","start":1282.9619,"end":1300.525,"sentiment":"negative","sentiment_score":-0.3357920487012182},{"text":"You know, talk about that, about, you know, you gotta be careful and, you know, you shouldn't be criticizing because you have to be careful and sort of like, that has never been mentioned in the last couple of years if you've noticed.","start":1301.41,"end":1311.67,"sentiment":"neutral","sentiment_score":-0.13940314827270286}],"sentiment":"neutral","sentiment_score":-0.2586183455586433,"num_words":100,"start":1276.7699,"end":1311.67},{"sentences":[{"text":"Yep.","start":1364.1799,"end":1364.6799,"sentiment":"neutral","sentiment_score":0.05628567188978195},{"text":"Perfect.","start":1429.855,"end":1430.255,"sentiment":"positive","sentiment_score":0.5706910490989685},{"text":"Thank you.","start":1430.255,"end":1430.995,"sentiment":"positive","sentiment_score":0.5560690462589264},{"text":"No.","start":1473.57,"end":1473.89,"sentiment":"neutral","sentiment_score":-0.1069745123386383},{"text":"That's fine.","start":1473.89,"end":1474.71,"sentiment":"neutral","sentiment_score":-0.0205081170424819}],"sentiment":"neutral","sentiment_score":0.22730343815471446,"num_words":7,"start":1364.1799,"end":1474.71},{"sentences":[{"text":"For my property?","start":1504.3,"end":1505.36,"sentiment":"neutral","sentiment_score":-0.001554138648013274},{"text":"At this stage, no.","start":1509.605,"end":1511.045,"sentiment":"neutral","sentiment_score":-0.02811402641236782},{"text":"But there is a there is a unit being sold through next to me that has been renovated, and it's similar to the value of my place.","start":1511.045,"end":1521.25,"sentiment":"neutral","sentiment_score":0.014029905613925722},{"text":"Property is a bit more than mine for he has got more car park space than I do.","start":1521.25,"end":1525.59,"sentiment":"neutral","sentiment_score":-0.0054350852345426874},{"text":"I'll let you know where how much it sells, and if I really think I should purchase.","start":1526.37,"end":1529.83,"sentiment":"neutral","sentiment_score":0.06917282632168602}],"sentiment":"neutral","sentiment_score":0.019417325264193874,"num_words":69,"start":1504.3,"end":1529.83},{"sentences":[{"text":"Oh, yes.","start":1538.9851,"end":1539.7251,"sentiment":"neutral","sentiment_score":0.005254615098237991},{"text":"The current balance is just give me a moment.","start":1540.3451,"end":1546.285,"sentiment":"neutral","sentiment_score":0.005257873588965999},{"text":"The current balance is $169,085.","start":1548.3301,"end":1559.29,"sentiment":"neutral","sentiment_score":0.027310867980122566},{"text":"So $1.06 $9.00 $8.05.","start":1559.29,"end":1562.35,"sentiment":"neutral","sentiment_score":0.01749613299034536},{"text":"Let's leave it to that for now.","start":1573.475,"end":1575.015,"sentiment":"neutral","sentiment_score":0.014371645769902639}],"sentiment":"neutral","sentiment_score":0.013517425361054915,"num_words":27,"start":1538.9851,"end":1575.015},{"sentences":[{"text":"Yeah.","start":1582.1901,"end":1582.59,"sentiment":"neutral","sentiment_score":-0.062323980033397675},{"text":"I I don't have the figure in front of me.","start":1582.59,"end":1584.85,"sentiment":"neutral","sentiment_score":-0.1334738902747631},{"text":"Let's pull a random thing over what?","start":1585.15,"end":1588.43,"sentiment":"neutral","sentiment_score":0.008312458172440529},{"text":"12,000?","start":1588.43,"end":1589.17,"sentiment":"neutral","sentiment_score":0.007000239100307226},{"text":"No.","start":1604.8201,"end":1605.22,"sentiment":"neutral","sentiment_score":-0.04116437956690788}],"sentiment":"neutral","sentiment_score":-0.06865199080202729,"num_words":20,"start":1582.1901,"end":1605.22},{"sentences":[{"text":"The offset account is much lower, but also because I've moved some money the extra into the actual loan itself.","start":1605.22,"end":1614.36,"sentiment":"neutral","sentiment_score":-0.0178382467944175},{"text":"So my offset account is now 16900.","start":1615.275,"end":1622.255,"sentiment":"neutral","sentiment_score":0.03600408589201314},{"text":"Oh, actually, I do have some shares with by TMC Invest.","start":1635.7201,"end":1640.4601,"sentiment":"neutral","sentiment_score":0.0430297888815403},{"text":"Yeah.","start":1650.8151,"end":1651.295,"sentiment":"neutral","sentiment_score":0.024854466319084167},{"text":"I can tell you.","start":1651.295,"end":1652.175,"sentiment":"neutral","sentiment_score":0.02679431065917015}],"sentiment":"neutral","sentiment_score":0.011642396558336047,"num_words":43,"start":1605.22,"end":1652.175},{"sentences":[{"text":"Just just give me a moment.","start":1652.175,"end":1653.475,"sentiment":"neutral","sentiment_score":0.017848552204668522},{"text":"But when you say value, do you mean just of the shares?","start":1657.295,"end":1661.08,"sentiment":"neutral","sentiment_score":-0.008614088331038753},{"text":"Because there is a little bit of cash, like money I've transferred, but I haven't purchased shares yet with So do you want the total So the total value of the portfolio, so that is accounting for the losses and whatever available cash is there is $861.","start":1661.08,"end":1680.4049,"sentiment":"neutral","sentiment_score":0.001585340642548622},{"text":"I have a will and just a will.","start":1698.3,"end":1701.795,"sentiment":"neutral","sentiment_score":0.02374032512307167},{"text":"No power of attorney, no medical thing, just a will.","start":1702.995,"end":1705.795,"sentiment":"neutral","sentiment_score":-0.02823738195002079}],"sentiment":"neutral","sentiment_score":-0.00017130066337714712,"num_words":83,"start":1652.175,"end":1705.795},{"sentences":[{"text":"Yep.","start":1705.795,"end":1706.295,"sentiment":"neutral","sentiment_score":0.037779301404953},{"text":"Perfect.","start":1713.4751,"end":1713.9751,"sentiment":"neutral","sentiment_score":0.18850140273571017},{"text":"Yes.","start":1718.65,"end":1719.05,"sentiment":"neutral","sentiment_score":0.1008436232805252},{"text":"That was the advice I was given, but the best way to do it.","start":1719.05,"end":1721.85,"sentiment":"neutral","sentiment_score":0.06433750303196055},{"text":"Yeah.","start":1721.85,"end":1722.35,"sentiment":"neutral","sentiment_score":0.09155026078224182}],"sentiment":"neutral","sentiment_score":0.07329997948060434,"num_words":18,"start":1705.795,"end":1722.35},{"sentences":[{"text":"Well, I'm not married, and I don't live with somebody, but I am dating someone.","start":1730.275,"end":1734.755,"sentiment":"neutral","sentiment_score":-0.036279620602726936},{"text":"So that's new.","start":1734.755,"end":1735.655,"sentiment":"neutral","sentiment_score":0.031894963855544724},{"text":"Yep.","start":1742.675,"end":1743.175,"sentiment":"neutral","sentiment_score":0.11358320713043212},{"text":"Yes.","start":1753.1599,"end":1753.6599,"sentiment":"neutral","sentiment_score":0.11587054282426834},{"text":"So my is my brother, my oldest brother.","start":1759.8949,"end":1762.875,"sentiment":"neutral","sentiment_score":-0.032158149406313896}],"sentiment":"neutral","sentiment_score":-0.017011459384645735,"num_words":28,"start":1730.275,"end":1762.875},{"sentences":[{"text":"Sorry about that.","start":1762.9349,"end":1764.215,"sentiment":"neutral","sentiment_score":-0.09032037605841954},{"text":"But my mom is still around.","start":1764.215,"end":1765.6749,"sentiment":"neutral","sentiment_score":-0.1211834450562795},{"text":"I think, technically, we're next to King, but she's she's very probably unable to handle all this stuff.","start":1765.975,"end":1774.3949,"sentiment":"neutral","sentiment_score":-0.18435870359341303},{"text":"I hope it's I'm gonna put in my brother.","start":1775.3301,"end":1777.43,"sentiment":"neutral","sentiment_score":-0.021525350709756214},{"text":"Got a hold, which is not what you wanna hear because I don't wanna spend money.","start":1789.25,"end":1793.305,"sentiment":"neutral","sentiment_score":-0.054714281810447574}],"sentiment":"neutral","sentiment_score":-0.10357067554902571,"num_words":52,"start":1762.9349,"end":1793.305},{"sentences":[{"text":"Right?","start":1793.305,"end":1793.705,"sentiment":"neutral","sentiment_score":-0.03864457458257675},{"text":"But, no.","start":1793.705,"end":1794.505,"sentiment":"neutral","sentiment_score":-0.07050912454724312},{"text":"I don't have any other financial support, really.","start":1794.505,"end":1797.965,"sentiment":"neutral","sentiment_score":-0.11126289353705943},{"text":"Just just pay off my home loan.","start":1799.705,"end":1800.905,"sentiment":"neutral","sentiment_score":-0.03781344422272274},{"text":"Just keep, yeah, just keep paying off my home loan anyway.","start":1800.905,"end":1803.325,"sentiment":"neutral","sentiment_score":-0.032682337713512505}],"sentiment":"neutral","sentiment_score":-0.05841261366831845,"num_words":29,"start":1793.305,"end":1803.325},{"sentences":[{"text":"There will be little ones coming up here and there.","start":1812.1901,"end":1814.8301,"sentiment":"neutral","sentiment_score":0.038638451136648655},{"text":"Yeah.","start":1814.8301,"end":1815.3301,"sentiment":"neutral","sentiment_score":0.0733414888381958},{"text":"Three months is fine.","start":1840.93,"end":1842.15,"sentiment":"neutral","sentiment_score":0.00846516015008092},{"text":"Okay.","start":1856.395,"end":1856.7151,"sentiment":"neutral","sentiment_score":0.29965564608573914},{"text":"Thank you.","start":1856.7151,"end":1857.3689,"sentiment":"positive","sentiment_score":0.7216443717479706}],"sentiment":"neutral","sentiment_score":0.12425172391037147,"num_words":18,"start":1812.1901,"end":1857.3689},{"sentences":[{"text":"You too.","start":1862.3289,"end":1863.1289,"sentiment":"positive","sentiment_score":0.63249072432518},{"text":"Cheers.","start":1863.1289,"end":1863.3689,"sentiment":"positive","sentiment_score":0.6290712356567383},{"text":"Cheers.","start":1863.3689,"end":1863.7689,"sentiment":"positive","sentiment_score":0.4880675673484802},{"text":"Bye.","start":1863.7689,"end":1864.2689,"sentiment":"positive","sentiment_score":0.3471197485923767},{"text":"Gotcha.","start":1866.4089,"end":1866.9089,"sentiment":"neutral","sentiment_score":-0.11255842447280884}],"sentiment":"positive","sentiment_score":0.4361135959625244,"num_words":6,"start":1862.3289,"end":1866.9089}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Dana.\n\nChannel 1: Hi. Sorry. I keep missing your call.\n\nChannel 0: That's okay, Anthony. You're having a busy day today.\n\nChannel 1: Yeah. One day, I'm gonna retire early and kiss KPMG goodbye.\n\nChannel 0: Oh, really? Sorry. You're having a a bad week. Oh, oh,\n\nChannel 1: Really?\n\nChannel 0: I'm sorry. I missed that. The phone just cut out. I do apologize.\n\nChannel 1: Bad month. Really?\n\nChannel 0: Oh, really? I'm so sorry to hear that. All good. Oh, well, look. I just had you booked in for your annual review.\n\nIs now still a good time to run through things with you?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yeah. Fantastic. All good. As part of your review, is there anything sort of particularly you wanted to touch base on? I know looking is super is probably an important thing at the moment, but is there any other questions you might have for us at the moment?\n\nOr\n\nChannel 1: No other questions. Just my main thing is with the whole going on in the world, just hoping that I'm not missing out on maybe other investments or things I should be doing or not doing.\n\nChannel 0: Yep.\n\nChannel 1: Just sure that that's okay and that's it. It's appreciating in value as it's good,\n\nChannel 0: Yep.\n\nChannel 1: you know, annually.\n\nChannel 0: Yep.\n\nChannel 1: I haven't really\n\nChannel 0: No.\n\nChannel 1: gone\n\nChannel 0: That\n\nChannel 1: in there or looked at it in a while.\n\nChannel 0: no. That's okay. And, honestly, it's probably a good thing at the at the moment with everything that is going on with what's happening with Iran and The US. We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates. So it's kinda hitting us on two fronts at the moment.\n\nThe higher\n\nChannel 1: Yes.\n\nChannel 0: inflation's been affecting things like bonds and fixed interest rates, but then also what's happening overseas is sort of affecting equity. So we have seen some extreme pretty high volatility for this year. I've kind of sent a couple of reports to have a bit of a look at things for you. So at the moment, when we have a look at your super, it is showing a little bit of a it's not a negative return. So for the last twelve months, you are still up.\n\nAnd when we look at the returns, we look at the internal rate of returns and not including your contributions, and it's after fees. It is less than 1%, so 0.4%, but it is still a positive return for the twelve months. So it is still good to see a positive even though we are seeing the volatility side of things.\n\nChannel 1: And is that\n\nChannel 0: When I\n\nChannel 1: is\n\nChannel 0: kind\n\nChannel 1: that the\n\nChannel 0: of sorry.\n\nChannel 1: usual figure with other because I on my portfolio is a little bit, you know,\n\nChannel 0: Different.\n\nChannel 1: different to most\n\nChannel 0: Yes.\n\nChannel 1: because of it, trying to keep things\n\nChannel 0: Ethical.\n\nChannel 1: green and\n\nChannel 0: Yeah.\n\nChannel 1: But compared to somebody else who had a bit more traditional portfolio, what was their rate of return, not including contribution?\n\nChannel 0: Yeah. And that's a good question. So with other clients that may have unethical portfolios, some of them are still seeing good rates of returns when they're sort of investing in But we have also had a few that have had negative rates of returns over the last year as well. So for your portfolio, even though you are still green with an ethical environment, you do tend to see lower rates of returns than unethical portfolios because the market tends to most people and the market as a whole tend to reward unethical investments that see higher rates of return. But your portfolio is actually performing better than a lot of those unethical portfolios at the moment.\n\nWhilst you're still seeing that volatility, the fact that you've come up with a negative return even though it's less than 1% is still a positive a positive thing. I've done plenty of annual reviews this year where we've had negative returns. So you've you've come up with a positive, which is good. To kinda sort of see where things have been going, when I look at your portfolio as a whole, your best month was kind of up until October. From October is when we sort of see a lot of that volatility with what was happening.\n\nWe had The US and China. We had interest rates rising as well, and then, obviously, this issue with Iran and The US, which has seen equity take a bit of a dip. So October was where your portfolio was generally at its highest, and you had some really great returns then. But then since then, we've seen the volatility with some some dips. We've seen partial recovery points.\n\nAnd then from this year from January to generally about March, the thirtieth is where we've seen the biggest dips with what's been occurring with The US and Iran. And then in the last sort of two weeks from the April 1, we have seen a little bit of a recovery back in your portfolio there. So when I kind of look at the last last year as a whole or from, say, January to October, you've made about a 4.33% return there. So you were on track for a really good positive return from that point onwards. Unfortunately, then we saw that volatility, which is where your portfolio has taken a bit of a dip down.\n\nFrom that point, you've dropped a fair bit. In the last two weeks from the first of of April 1, sorry, to now, you've actually seen a little bit of a recovery point. So your portfolio has come back by 2.37%, and yesterday, it made a 1% and a return as well. So we are seeing a bit of a recovery point, which is great, and that's all sort of coming to encompass, you know, with what we've seen in the last twelve months there, and that recovery is giving you a positive return for the last twelve months, which is what we wanna see. But with where we are at the moment with what's happening, we are gonna see more volatility moving forward.\n\nWhen I look at the indicators, things like the fixed index, which tells us, you know, essentially what kind of market sentiment is or what kind of volatility can be expected over the next sort of month or so, that index is still showing up over 20%. So when you look at the VIX index, if you're looking at that and it's got a 20% or higher, it shows that over the next sort of month, you can expect volatility. If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile. That's basically from January onwards, it has been up over 20%, has been decreasing slowly. But it all comes down to what Trump does as well.\n\nSo one day, you know, he says things are doing well. We hear some good things about what's happening with Iran and the straight and everything, and, you know, the market increases slightly because investors have a bit more confidence in what they're doing. And then the next day, he yells at someone's swears on social media and attacks another country or something, and then everyone sort of sells out again, and we see a bit more volatility there. So there are a lot of unknowns at the moment. We're kinda just working on day to day with what we can see.\n\nBut, yeah, look, there was a point where you did have a bit of a negative return between sort of October to to now, and then from sort of the April 1 onwards, you've had a bit more of a positive comeback, which is giving you that positive return. So it is lower than what we'd like for the portfolio. But given that you are quite green and still coming up with a positive is a good sign, I would like to just sort of keep watching it to see what happens over the next kind of one to two to three months to see whether we need to make any changes or whether we're gonna see a bit of a recovery point there for you. Does that make sense? Do you have any other questions about\n\nChannel 1: Yes.\n\nChannel 0: that?\n\nChannel 1: It turned out. Yes. That's my question. Is is there specific components like certain EFT things in it? Sorry.\n\nETFs in\n\nChannel 0: Yeah.\n\nChannel 1: it that are constantly dragging it down whilst others are going up. Like, is there some that we just have to let go or something like that? Something?\n\nChannel 0: Yeah. So when I have a look at it at the moment, I'm just going back to the other portfolio because I have a a stick in front of me. So two of your investments are showing a little bit of a negative at the moment. So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down. It is still a good investment, though.\n\nSo whilst it is had a had a bit of a rough patch tech and cybersecurity as a whole, it is still a good investment. I wouldn't wanna sell that as of yet. I think whilst it is down at the moment, it is showing that it can come out and show a positive return. I wanna see it come out and provide greater gain. Whilst it's down at the moment, it's essentially discounted and your rate of return discounted rate.\n\nSo when your contributions are going in, we still wanna buy into those downtimes and really take advantage of the discounted unit pricing for the investment. The other ones here, so, which is the beta shares all these sustainable ETF and the SE, which is another sustainable ETF that you've got in there. They're both showing down again, but, again, it's they were all showing positive up until kind of January this year, which is when everything sort of takes that really big dip down. So everything that is down is down because of the wider with what's happening in the wider in the wider world and with the equities as a whole. It's not anything particular in the investment that's making it undervalued or making it a bad investment.\n\nEverything is still a positive investment. It's just seeing that volatility because of the sell off, because\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: investor confidence being unknown and because of the volatility that we are seeing. So right now, there's nothing I would wanna take out of that portfolio. I'm very hesitant about cementing losses right now. I'd like,\n\nChannel 1: Yes. Yes.\n\nChannel 0: right,\n\nChannel 1: I understand.\n\nChannel 0: to see them sit for a bit longer. Yeah. See if it can come out. We can definitely do another catch up maybe in, you know, two or three months and see how things are going. I obviously look at all these portfolios on a regular basis, spend a lot of my day sitting in front of so I've been talking to clients and doing advice and everything.\n\nI also have a lot of things on my computer, and I sit down and look at what's happening with the market and what's happening with the individual investors and sort of having a look at everything there as well. So right now, it's all all good. Yeah. Does that sort of answer the questions a bit for you? Did you want me to\n\nChannel 1: No.\n\nChannel 0: break it\n\nChannel 1: No.\n\nChannel 0: down more for you?\n\nChannel 1: No. You answered the question, basically.\n\nChannel 0: That's okay.\n\nChannel 1: It's something that's having a a downward trend\n\nChannel 0: Yeah.\n\nChannel 1: even before this\n\nChannel 0: Yeah.\n\nChannel 1: couple.\n\nChannel 0: Yeah.\n\nChannel 1: And looks like no. It's just it seems to be fine. It's just\n\nChannel 0: Yep.\n\nChannel 1: it won't grow as big as other portfolios, but\n\nChannel 0: Yep.\n\nChannel 1: it seems to still be growing slowly. It's like\n\nChannel 0: Yep.\n\nChannel 1: much of a mess, and there's nothing particular thing that is\n\nChannel 0: Yeah.\n\nChannel 1: a current concern to pull away. If that's the case, I don't wanna don't wanna sell it because this is a long term thing and that\n\nChannel 0: Absolutely.\n\nChannel 1: kind of thing.\n\nChannel 0: Yeah. Yep. And you're still young. You've got a lot of time ahead of you there. And, I mean, we are seeing a lot more people going into the ethical environment there.\n\nI did do a comparison for you. So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally. Australian Ethical are also noting down, in their investments over the last one to three months. Essentially, their balance investment for the three months is down 3.2% for the last their growth investment's down 3.8 for the last three months. Their high growth is down 4.4 for the last three months, and their Australian and international shares are down 8.37.6%.\n\nSo your portfolio has definitely well, it's still seeing that volatility has definitely still performed a bit better than the Australian ethical investments that we moved you out of. So I just wanted to make sure I had that comparison for you as well. Okay.\n\nChannel 1: Yeah. Yeah. So but then\n\nChannel 0: Sorry.\n\nChannel 1: here's the key\n\nChannel 0: I thought\n\nChannel 1: question.\n\nChannel 0: I lost you. Sorry.\n\nChannel 1: Here's the key question. Has my rate of return since I've left Ethical Super been the same or better over that that you know, the last couple of years compared to Ethical Super's rate of return? That's the interesting thing. Like, was it worthwhile\n\nChannel 0: Yeah.\n\nChannel 1: to move?\n\nChannel 0: Yeah. It absolutely has been worthwhile to move. They don't update their returns as regularly as what we can see here. The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better. It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone through.\n\nSo whilst your portfolio is still going through those ups and downs, it hasn't dropped as heavily as the as the investment within ethical super. So it was definitely a good idea to move. We're still watching things, and you've actually come out higher than what they've they've reported. So\n\nChannel 1: Yep. And and how do I how do I see a simple report or screenshot to compare the the two?\n\nChannel 0: we have to go back and we have to go back and look at their website to see what kind of what they've reported on. They report on gross returns. They also report. And, look, it's not a perfect comparison because they're reporting growth, and it's not in particular added to any particular portfolio. So someone in ethical super may not have forgot the exact return that we're reporting on, but they're reporting on essentially a gross return of what their portfolios have averaged, whereas the return I'm giving you is more clarified to your portfolio.\n\nIt's not a perfect not a perfect sort of fit. But, yeah, I like it. I'm happy with it. I think your portfolio has done really, really well. These investments have done great up until this point, and just going through this cycle and letting it come out on the other side and then seeing where we go from here would be a good idea.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Hesitant to sell anything right now, I don't wanna cement losses for no particular reason. You are still really young, and you've got a lot of time ahead of you. As you said, these are long term investments. We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to. Does that sound okay?\n\nChannel 1: Yeah. Yeah. Sounds good. Sounds good.\n\nChannel 0: Yep.\n\nChannel 1: Yep. So what would be that what what's the figure, you know, like, if I was comparing the figure, like, what what's the figure? So I'm I'm having, what, 2%, 3% annual return.\n\nChannel 0: Perfect.\n\nChannel 1: What's that figure in the last six to twelve months?\n\nChannel 0: Well, last year for the calendar year up until October, you were trendy you were up that 4.33%. So you were on track for about a 6% return. In the\n\nChannel 1: Mhmm.\n\nChannel 0: growth portfolio that you're in, we're looking to try and obtain about a seven to 9% return.\n\nChannel 1: Yes.\n\nChannel 0: So anything under that sort of 7% is technically underperforming. Anything over that 9% is, you know, doing really, really well. The only thing that could be a little bit different with your portfolio is that you are more ethical. So ethical portfolios\n\nChannel 1: Yeah.\n\nChannel 0: tend to get a lower rate of return. So I've been looking when we're looking at that, we're looking at that over the longer term to averaging over, you know, the next one, two, three, ten years to see what that kind of averages out and sort of see where things are going. But right now, the fact that you've come out with a positive return over the last twelve months even with what we're doing is still a good sign. It is showing that your portfolio does recover. It does show good potential growth.\n\nIt does see those downtimes like every other investment out there. But the other thing to sort of remember is that 90% of market movements are just investors getting nervous with what they're seeing, what they're doing. Human beings are not rational creatures in any way, shape, or form, and I'm here to sort of stop you from making, you know, making changes to your portfolio based on, you know, the way we feel. Because 90 of, you know, buyers and sales are just emotional emotional reactions people feel. They see something they don't like, and they go, oh, I've gotta get out before somebody else knocks me out.\n\nSo it's a lot of it is just emotional human reaction to what what they're hearing and seeing and feeling in the market or in the news. So yeah.\n\nChannel 1: I agree with you, sir. I'm just asking the question, but I agree with you. So I'm not looking to anything. I\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: that's\n\nChannel 1: wanna\n\nChannel 0: okay.\n\nChannel 1: prompt to see that where that, you\n\nChannel 0: Yeah.\n\nChannel 1: know, there isn't anything particular that we haven't at an angle we haven't looked at.\n\nChannel 0: Yeah.\n\nChannel 1: Like,\n\nChannel 0: No.\n\nChannel 1: my like,\n\nChannel 0: That's\n\nChannel 1: my other\n\nChannel 0: okay.\n\nChannel 1: question would be, is there an ethical ETF or something that I don't have\n\nChannel 0: Mhmm.\n\nChannel 1: or something that's almost ethical that I you know, I'm really stupid to not have. That's the next thing.\n\nChannel 0: Yeah. No. That's okay. So I've been having a bit of a look around. Majority of the investments I mean, you've got the good quality ones in here that we've got.\n\nI have seen a few others that we could maybe add into the portfolio. What I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio. I can double check that we don't, you know, see how your make sure your asset allocation is in line with that gross percentage correctly between all the investments there. I can have a bit of a look at maybe see if there's anything that we need to maybe add to kinda give it a bit of a boost, but also making sure that we're not, you know, cementing anything too drastic. We're not causing any big CDT consequences for your portfolio, that we're not,\n\nChannel 1: Yes.\n\nChannel 0: you know, cementing losses and causing a bit\n\nChannel 1: Yes.\n\nChannel 0: of a detriment. If there is anything, I can always update the advice to reflect that for you. If there's not, I can send you an email and go, hey. Look. This is kind of where we're tracking.\n\nWe we don't really need to change anything right now. Let's come back and look at it down the track. Does that sound okay?\n\nChannel 1: Sounds perfect.\n\nChannel 0: Yeah. Perfect. Excellent. So I'll go back and do that research. It's not a problem at all.\n\nOkay?\n\nChannel 1: Sounds good.\n\nChannel 0: Excellent. Is there any other questions you had in relation to the portfolio or your super? Or\n\nChannel 1: Nope. I think that's pretty much\n\nChannel 0: no?\n\nChannel 1: it.\n\nChannel 0: Oh, good. All good. After the call, I will send you an annual review pack as well, which does have some of the reports in there for you to have a bit of a look at. It's also got the financial services guide in there for us. It's also got a few additional documents attached.\n\nSo one of the things we are getting updated is the tax file consent form. We obviously do hold your tax phone number. We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold. So we are just setting a tax file consent updated to make you aware that we do hold that. With your insurances here, so we obviously retained your your Smart Monday for your life and CBD, and you've got your ClearView cover there as well with the income protection side of things.\n\nI just wanted to make sure they're all still appropriate for you. With\n\nChannel 1: Yes.\n\nChannel 0: the\n\nChannel 1: With the exception of it, there's a change, but I don't have\n\nChannel 0: okay.\n\nChannel 1: much details yet. KPMG has changed has changed their super from Smart Monday to host plus.\n\nChannel 0: Right. Right. So there could be a change in the income protection sorry. Life and CBD side of things?\n\nChannel 1: Yeah. So all the ones I get for free.\n\nChannel 0: Yep.\n\nChannel 1: So death cover what or is it the other one? Permanent\n\nChannel 0: Total term disability? Yeah.\n\nChannel 1: disability. And I'm not sure if they cover and protect it. But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet. And so what what the new stuff will\n\nChannel 0: Oh,\n\nChannel 1: be yet,\n\nChannel 0: gosh.\n\nChannel 1: it's coming soon. And\n\nChannel 0: Okay.\n\nChannel 1: and I do have a separate insurance. What was it? Life insurance, was it? I can't remember now.\n\nChannel 0: That's\n\nChannel 1: No.\n\nChannel 0: yes. Income protection. That's with Clearview.\n\nChannel 1: Yes. Yes. So I don't think KPMG covers income protection. So I think\n\nChannel 0: No.\n\nChannel 1: that's why I called it separately.\n\nChannel 0: That's correct. Yeah. That was to cover the income in the short term. The income protection was based on your income at the time of about 130,000. Has your income changed since we last caught up at all?\n\nChannel 1: A little bit. A little bit, but I would rather wait for the next performance review to to get another figure. There's no point in changing it now when it will change again.\n\nChannel 0: Yeah. That's okay. That's not a problem at all. So at the moment, you've got the income protection covering you for a monthly benefit of 5,121. You've got a ninety day wait and a five year benefit.\n\nIf at any point you decide you wanted to reassess that, let me know. Alternatively, you can always let me know once you've had a new performance review with regard to your income. And if it goes up, then we can always come back and review that. That's absolutely fine. And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals.\n\nOkay?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yeah. Beautiful. But I've also got those summaries with the up with the information we had on the in in the insurances in that email for you to review there as well. If you find you have any questions in relation to any of it, you're welcome to let me know. Okay?\n\nChannel 1: Will do.\n\nChannel 0: All good. The other thing I just wanted to sort of touch base on, obviously, you're in that growth sort of environment there. Normally, a growth portfolio encompasses about 80% in those growth investments. So we tend to look at Australian international shares, generally some gold and silver and things like that in there as well as your growth investments. Did you wanna kind of reevaluate the risk level you're taking, or are you comfortable staying in that growth environment for the time being?\n\nChannel 1: Still still okay.\n\nChannel 0: Still\n\nChannel 1: Still\n\nChannel 0: okay?\n\nChannel 1: working\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Beautiful.\n\nChannel 1: now. I went\n\nChannel 0: Yeah.\n\nChannel 1: from\n\nChannel 0: That's\n\nChannel 1: as a complete meltdown and becomes dictator.\n\nChannel 0: Will we be on the phone if that happens? I can tell you. I think I will all be jumping up and down.\n\nChannel 1: Really hope that he just eats enough burgers and just gets a heart attack. Oh, I'm sorry. It's a little bit mean.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: No. You\n\nChannel 1: it\n\nChannel 0: are fine.\n\nChannel 1: it\n\nChannel 0: You are fine.\n\nChannel 1: been absolute absolute complete utter waste of space and\n\nChannel 0: Yep.\n\nChannel 1: politically, just just the the just the you know, remember they used to talk about the sanctity of the office of the president?\n\nChannel 0: Yep.\n\nChannel 1: You know,\n\nChannel 0: Yep. Yep.\n\nChannel 1: talk about that, about, you know, you gotta be careful and, you know, you shouldn't be criticizing because you have to be careful and sort of like, that\n\nChannel 0: Yep.\n\nChannel 1: has never been mentioned in the last couple of years if you've noticed.\n\nChannel 0: No. No. Oh, yeah. No. I completely understand what you're saying.\n\nIt's yeah. I don't disagree in any way, shape, or form, so don't worry. It's all good. It's it's pretty difficult to sort of look at what we're doing. I know the other couple of weeks back, we did sort of sit back down and have a chat with some of the economists that we do have access to.\n\nAnd, like, even they're saying, you know, we don't really know what's gonna happen. It's kind of a week by week scenario. The only thing they're sort of expecting is the inflation to keep growing. But when it comes to the the war and what's happening between The US and Iran and everything there, it's there's there's no one can determine what's going to happen. It's too unknown.\n\nThere's too many variables, and it changes on an hour by hour basis at this time. So yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. No. All good. All good. Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at.\n\nLet me know if you do happen to have any questions there. You with your time horizon, your age and stage and everything, the growth portfolio still suits where you're at. I'm more than happy to keep you in that environment. If you find you are uncomfortable, wanna have a look at things, let me know. I'm more than happy to do so.\n\nI'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line. I'll see if we need to maybe rebalance anything or if there's any maybe ethical areas that we haven't sort of touched on that we might be able to update your portfolio to. But I'll consider, obviously, taxation consequences there for your super as well, and also make sure that we're not, you know, overly overly cementing unnecessary gains or losses. If there is any reason to not change, I'll just shoot you an email and let you know that we've done the research. Saying where you are is fine for the moment just so you're aware either way.\n\nBut if there is a reason to update the advice, I'll definitely do that for you. Is that okay?\n\nChannel 1: Perfect. Thank you.\n\nChannel 0: Yeah. That's okay. Not a problem at all. As part of, obviously, the annual review, we are sending out the ongoing service agreement for you. So you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there.\n\nIt is 1.65% per annum. That is a yearly figure, so it is as a percentage base fee, does fluctuate with the market. So the idea of that is when the market's doing really well, when your portfolio has got a great return, then our fee does increase with it. However, when the market takes a bit of a dip due to what we're seeing at the moment, it means that our fee does take a bit of a dip there with it as well. But do you have any questions around how the fee works or anything else with regard to us?\n\nOr\n\nChannel 1: No. That's fine.\n\nChannel 0: No. That's okay. Perfect. Is there anything else that you wanted me to sort of touch base on? Is there any major changes to your life over the last twelve months at all?\n\nOr no. That's okay. I'll just quickly update your assets as well. Your main primary residence there, Anthony, the sorry. The value we have was about 450,000.\n\nWould you change that at all?\n\nChannel 1: For my property?\n\nChannel 0: Yeah.\n\nChannel 1: At this stage, no. But there is a there is a unit being sold through next to me that has been renovated, and it's similar to the value of my place. Property is a bit\n\nChannel 0: Yep.\n\nChannel 1: more than mine for he has got more\n\nChannel 0: Yep.\n\nChannel 1: car park space than I do.\n\nChannel 0: Okay.\n\nChannel 1: I'll let you know\n\nChannel 0: Yep.\n\nChannel 1: where how much it sells, and if I really think I should purchase.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. Loan value, we had you owed about 220,000.\n\nHave you been able to decrease that loan at all?\n\nChannel 1: Oh, yes. The\n\nChannel 0: Yeah.\n\nChannel 1: current\n\nChannel 0: What?\n\nChannel 1: balance is just give me a moment.\n\nChannel 0: You're right.\n\nChannel 1: The current balance is $169,085. So $1.06 $9.00 $8.05.\n\nChannel 0: Yep. Perfect. Thank you so much for that. Motor vehicle current asset sorry. Asset value is about 30,000.\n\nWould you alter or change that in any way, shape, or form?\n\nChannel 1: Let's leave it to that for now.\n\nChannel 0: Yep. Perfect. And your loan on the motor vehicle was about 17,000. Has that decreased a bit as well?\n\nChannel 1: Yeah. I I don't have the figure in front of me. Let's\n\nChannel 0: That's\n\nChannel 1: pull a\n\nChannel 0: okay.\n\nChannel 1: random thing over what? 12,000?\n\nChannel 0: Yep. Perfect. Fantastic. An offset account had about 44,008 hun sorry. 44,580 in there.\n\nHave you increased what's in the offset account a little bit?\n\nChannel 1: No. The offset account is much lower,\n\nChannel 0: Yep.\n\nChannel 1: but also because I've moved some money the extra into the actual loan itself. So\n\nChannel 0: Yeah. Yep.\n\nChannel 1: my offset account is now 16900.\n\nChannel 0: 16900. Beautiful. Thank you so much for that. Is there any other changes to your assets? Have you added anything, any shares or collections or anything else of value that you'd wanna sorta note down?\n\nChannel 1: Oh, actually, I do have some shares\n\nChannel 0: Yep.\n\nChannel 1: with\n\nChannel 0: Yep.\n\nChannel 1: by TMC Invest.\n\nChannel 0: It's TMC. Yep. Perfect. What's the value of those? If you're not sure, that's okay.\n\nChannel 1: Yeah. I can tell you. Just just give me a moment.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: But when you say value, do you mean just of the\n\nChannel 0: Just\n\nChannel 1: shares? Because there is a little bit of cash, like money I've transferred, but I haven't purchased shares yet with So\n\nChannel 0: Yeah.\n\nChannel 1: do\n\nChannel 0: That's\n\nChannel 1: you want\n\nChannel 0: okay.\n\nChannel 1: the total\n\nChannel 0: What's the total value? Yeah.\n\nChannel 1: So the total value of the portfolio, so that is accounting for the losses\n\nChannel 0: Yep.\n\nChannel 1: and whatever available cash is there is $861.\n\nChannel 0: Beautiful. Thank you so much for that. Excellent. Other than that, have you I'm just looking at the estate planning side of things as well. We don't sort of have any updates there.\n\nHave you got a will? Have you ever had a will and power of attorney drawn up?\n\nChannel 1: I have a will\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Perfect.\n\nChannel 1: just a will.\n\nChannel 0: Just a will\n\nChannel 1: No\n\nChannel 0: so\n\nChannel 1: power\n\nChannel 0: no power\n\nChannel 1: of attorney,\n\nChannel 0: of attorney?\n\nChannel 1: no medical thing, just a will. Yep.\n\nChannel 0: Yep. That's okay. Beautiful. On your super, I've got your your beneficiary noted as your legal personal representative. So noting that\n\nChannel 1: Perfect.\n\nChannel 0: in the event of passing, it all goes through to your will. That's still how you want that to be noted.\n\nChannel 1: Yes. That was the advice I\n\nChannel 0: Yep.\n\nChannel 1: was given, but the best way to do it. Yeah.\n\nChannel 0: Yeah. Absolutely. Absolutely. And any changes to, like, your marital status? I've got you down as still single.\n\nChannel 1: Well, I'm not married, and I don't live with somebody, but I am dating someone. So that's new.\n\nChannel 0: Beautiful. Beautiful. I have your next of kin noted as Sam Gagliano.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Did you want is your next of kin still appropriate for your circumstance? You're still happy to keep Sam as your next of kin?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Lovely. Excellent. And any other additional goals over the next\n\nChannel 1: So\n\nChannel 0: sort\n\nChannel 1: my\n\nChannel 0: of\n\nChannel 1: is\n\nChannel 0: sorry.\n\nChannel 1: my brother, my oldest brother.\n\nChannel 0: Okay.\n\nChannel 1: Sorry about\n\nChannel 0: Yep.\n\nChannel 1: that. But\n\nChannel 0: Sorry\n\nChannel 1: my mom\n\nChannel 0: about\n\nChannel 1: is\n\nChannel 0: that.\n\nChannel 1: still\n\nChannel 0: Yep.\n\nChannel 1: around. I think, technically,\n\nChannel 0: Okay.\n\nChannel 1: we're next to King, but she's she's very probably unable to handle all this stuff.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: hope it's\n\nChannel 0: okay.\n\nChannel 1: I'm gonna put in my brother.\n\nChannel 0: Yeah. No. That's absolutely fine. It's not a problem at all. Excellent.\n\nAnd do you have any other goals that you're looking to achieve over the next twelve months at all? Or\n\nChannel 1: Got a hold, which is not\n\nChannel 0: go\n\nChannel 1: what\n\nChannel 0: on\n\nChannel 1: you\n\nChannel 0: a\n\nChannel 1: wanna\n\nChannel 0: holiday?\n\nChannel 1: hear because I don't wanna spend money. Right? But, no. I don't have any other financial support,\n\nChannel 0: Yeah.\n\nChannel 1: really.\n\nChannel 0: No. That's that's okay.\n\nChannel 1: Just\n\nChannel 0: Have\n\nChannel 1: just pay\n\nChannel 0: you\n\nChannel 1: off\n\nChannel 0: got\n\nChannel 1: my home\n\nChannel 0: a hold\n\nChannel 1: loan. Just keep, yeah, just keep paying off my home loan anyway.\n\nChannel 0: yes. Beautiful. Beautiful. Have you got any plans for a holiday so far, or you're just looking wanting to go on one?\n\nChannel 1: There will be little ones coming up here and there. Yeah.\n\nChannel 0: Yes. Yeah. Perfect. No. Excellent.\n\nAll good. Well, that's everything that I needed to touch base on. I know you're extremely busy, so I will let you go. I'll get the annual review pack out to you very shortly, and I'll start the research on things for you. In the meantime, if there's anything else that you do need, please let me know, and I'll definitely look to do a bit of a catch up with you.\n\nIs three months okay, or did you wanna catch up at any specific time of the year this year? Or\n\nChannel 1: Three months is fine.\n\nChannel 0: three months is fine. Beautiful. Lovely. All good. Well, thank you so much.\n\nI hope you have a good day. I hope things get a bit better for you. And, yeah, August, I'll do research and get that annual review pack out to you very shortly. Okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: My pleasure, Anthony. I hope you have a great day, and thank you so much for calling back.\n\nChannel 1: You too. Cheers. Cheers. Bye.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Gotcha.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.88,"end":1.52,"sentiment":"neutral","sentiment_score":0.28077974915504456},{"text":"This is Dana.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.1456604301929474}],"sentiment":"neutral","sentiment_score":0.19970815777778625,"channel":0,"num_words":5,"start":0.88,"end":2.42},{"sentences":[{"text":"Hi.","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.01060640811920166},{"text":"Sorry.","start":4.0,"end":4.48,"sentiment":"neutral","sentiment_score":-0.12065470218658449},{"text":"I keep missing your call.","start":4.48,"end":5.7799997,"sentiment":"neutral","sentiment_score":-0.27813223004341125}],"sentiment":"neutral","sentiment_score":-0.21438706346920558,"channel":1,"num_words":7,"start":3.6799998,"end":5.7799997},{"sentences":[{"text":"That's okay, Anthony.","start":6.08,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.09581262680391471},{"text":"You're having a busy day today.","start":7.3599997,"end":9.059999,"sentiment":"neutral","sentiment_score":0.15287248541911444}],"sentiment":"neutral","sentiment_score":0.1338525325473812,"channel":0,"num_words":9,"start":6.08,"end":9.059999},{"sentences":[{"text":"Yeah.","start":10.4,"end":10.88,"sentiment":"neutral","sentiment_score":0.11184138059616087},{"text":"One day, I'm gonna retire early and kiss KPMG goodbye.","start":10.88,"end":14.099999,"sentiment":"neutral","sentiment_score":0.1418810360133648}],"sentiment":"neutral","sentiment_score":0.13915015824816443,"channel":1,"num_words":11,"start":10.4,"end":14.099999},{"sentences":[{"text":"Oh, really?","start":15.055,"end":15.635,"sentiment":"neutral","sentiment_score":-0.06115724332630634},{"text":"Sorry.","start":16.255001,"end":16.575,"sentiment":"neutral","sentiment_score":-0.2473173141479492},{"text":"You're having a a bad week.","start":16.575,"end":18.355,"sentiment":"negative","sentiment_score":-0.371849924325943},{"text":"Oh, oh,","start":19.135,"end":20.915,"sentiment":"neutral","sentiment_score":-0.04339170455932617}],"sentiment":"neutral","sentiment_score":-0.244319523261352,"channel":0,"num_words":11,"start":15.055,"end":20.915},{"sentences":[{"text":"Really?","start":20.884998,"end":21.384998,"sentiment":"neutral","sentiment_score":-0.04533689469099045}],"sentiment":"neutral","sentiment_score":-0.04533689469099045,"channel":1,"num_words":1,"start":20.884998,"end":21.384998},{"sentences":[{"text":"I'm sorry.","start":22.095001,"end":22.575,"sentiment":"neutral","sentiment_score":-0.17149165272712708},{"text":"I missed that.","start":22.575,"end":23.135,"sentiment":"neutral","sentiment_score":-0.21618916591008505},{"text":"The phone just cut out.","start":23.135,"end":24.015,"sentiment":"neutral","sentiment_score":-0.2733351647853851},{"text":"I do apologize.","start":24.015,"end":24.755001,"sentiment":"neutral","sentiment_score":-0.15383685380220413}],"sentiment":"neutral","sentiment_score":-0.2169028606552344,"channel":0,"num_words":13,"start":22.095001,"end":24.755001},{"sentences":[{"text":"Bad month.","start":25.605,"end":26.505,"sentiment":"neutral","sentiment_score":-0.2231353372335434},{"text":"Really?","start":26.564999,"end":27.064999,"sentiment":"neutral","sentiment_score":-0.08298998326063156}],"sentiment":"neutral","sentiment_score":-0.17642021924257278,"channel":1,"num_words":3,"start":25.605,"end":27.064999},{"sentences":[{"text":"Oh, really?","start":27.67,"end":28.23,"sentiment":"neutral","sentiment_score":-0.04230162501335144},{"text":"I'm so sorry to hear that.","start":28.23,"end":30.09,"sentiment":"neutral","sentiment_score":-0.18168825407822928},{"text":"All good.","start":30.87,"end":31.43,"sentiment":"neutral","sentiment_score":0.2604602873325348},{"text":"Oh, well, look.","start":31.43,"end":31.91,"sentiment":"neutral","sentiment_score":0.13304842015107474},{"text":"I just had you booked in for your annual review.","start":31.91,"end":34.15,"sentiment":"neutral","sentiment_score":0.18461672514677047}],"sentiment":"neutral","sentiment_score":0.06919566574304001,"channel":0,"num_words":23,"start":27.67,"end":34.15},{"sentences":[{"text":"Is now still a good time to run through things with you?","start":34.15,"end":36.89,"sentiment":"neutral","sentiment_score":0.23612085978190103}],"sentiment":"neutral","sentiment_score":0.23612085978190103,"channel":0,"num_words":12,"start":34.15,"end":36.89},{"sentences":[{"text":"Yep.","start":37.2,"end":37.440002,"sentiment":"neutral","sentiment_score":0.08803367614746094},{"text":"Yep.","start":37.440002,"end":37.6,"sentiment":"neutral","sentiment_score":0.09765468537807465},{"text":"Yep.","start":37.6,"end":38.1,"sentiment":"neutral","sentiment_score":0.1541787087917328}],"sentiment":"neutral","sentiment_score":0.11328902343908946,"channel":1,"num_words":3,"start":37.2,"end":38.1},{"sentences":[{"text":"Yeah.","start":38.565,"end":38.965,"sentiment":"positive","sentiment_score":0.3848395049571991},{"text":"Fantastic.","start":38.965,"end":39.465,"sentiment":"positive","sentiment_score":0.6712861061096191},{"text":"All good.","start":39.845,"end":40.665,"sentiment":"positive","sentiment_score":0.5722522437572479},{"text":"As part of your review, is there anything sort of particularly you wanted to touch base on?","start":41.285,"end":44.965,"sentiment":"neutral","sentiment_score":0.161497785764582},{"text":"I know looking is super is probably an important thing at the moment, but is there any other questions you might have for us at the moment?","start":44.965,"end":50.165,"sentiment":"neutral","sentiment_score":0.06806141055292553}],"sentiment":"neutral","sentiment_score":0.1413281362814208,"channel":0,"num_words":48,"start":38.565,"end":50.165},{"sentences":[{"text":"Or","start":50.165,"end":50.665,"sentiment":"neutral","sentiment_score":0.019239798188209537}],"sentiment":"neutral","sentiment_score":0.019239798188209537,"channel":0,"num_words":1,"start":50.165,"end":50.665},{"sentences":[{"text":"No other questions.","start":53.195,"end":54.095,"sentiment":"neutral","sentiment_score":-0.023357443511486053},{"text":"Just my main thing is with the whole going on in the world, just hoping that I'm not missing out on maybe other investments or things I should be doing or not doing.","start":54.235,"end":65.64,"sentiment":"neutral","sentiment_score":0.0027313076637007975}],"sentiment":"neutral","sentiment_score":0.0005572450657685598,"channel":1,"num_words":36,"start":53.195,"end":65.64},{"sentences":[{"text":"Yep.","start":66.365,"end":66.865,"sentiment":"neutral","sentiment_score":0.10748562216758728}],"sentiment":"neutral","sentiment_score":0.10748562216758728,"channel":0,"num_words":1,"start":66.365,"end":66.865},{"sentences":[{"text":"Just sure that that's okay and that's it.","start":66.5,"end":69.495,"sentiment":"neutral","sentiment_score":0.19116400741040707},{"text":"It's appreciating in value as it's good,","start":69.495,"end":72.555,"sentiment":"positive","sentiment_score":0.5108155991349902}],"sentiment":"positive","sentiment_score":0.3403347502152125,"channel":1,"num_words":15,"start":66.5,"end":72.555},{"sentences":[{"text":"Yep.","start":72.525,"end":73.025,"sentiment":"neutral","sentiment_score":0.2584359049797058}],"sentiment":"neutral","sentiment_score":0.2584359049797058,"channel":0,"num_words":1,"start":72.525,"end":73.025},{"sentences":[{"text":"you know, annually.","start":72.775,"end":74.475,"sentiment":"neutral","sentiment_score":0.15551644563674927}],"sentiment":"neutral","sentiment_score":0.15551644563674927,"channel":1,"num_words":3,"start":72.775,"end":74.475},{"sentences":[{"text":"Yep.","start":75.74,"end":76.24,"sentiment":"neutral","sentiment_score":0.003791606053709984}],"sentiment":"neutral","sentiment_score":0.003791606053709984,"channel":0,"num_words":1,"start":75.74,"end":76.24},{"sentences":[{"text":"I haven't really","start":76.535,"end":77.255005,"sentiment":"neutral","sentiment_score":-0.12498620400826137}],"sentiment":"neutral","sentiment_score":-0.12498620400826137,"channel":1,"num_words":3,"start":76.535,"end":77.255005},{"sentences":[{"text":"No.","start":77.1,"end":77.259995,"sentiment":"neutral","sentiment_score":-0.19259631633758545}],"sentiment":"neutral","sentiment_score":-0.19259631633758545,"channel":0,"num_words":1,"start":77.1,"end":77.259995},{"sentences":[{"text":"gone","start":77.255005,"end":77.495,"sentiment":"neutral","sentiment_score":-0.16750560700893402}],"sentiment":"neutral","sentiment_score":-0.16750560700893402,"channel":1,"num_words":1,"start":77.255005,"end":77.495},{"sentences":[{"text":"That","start":77.259995,"end":77.759995,"sentiment":"neutral","sentiment_score":-0.15486599504947662}],"sentiment":"neutral","sentiment_score":-0.15486599504947662,"channel":0,"num_words":1,"start":77.259995,"end":77.759995},{"sentences":[{"text":"in there or looked at it in a while.","start":77.495,"end":79.835,"sentiment":"neutral","sentiment_score":-0.18011581401030222}],"sentiment":"neutral","sentiment_score":-0.18011581401030222,"channel":1,"num_words":9,"start":77.495,"end":79.835},{"sentences":[{"text":"no.","start":80.299995,"end":80.619995,"sentiment":"neutral","sentiment_score":-0.15715113282203674},{"text":"That's okay.","start":80.619995,"end":81.34,"sentiment":"neutral","sentiment_score":-0.09529827907681465},{"text":"And, honestly, it's probably a good thing at the at the moment with everything that is going on with what's happening with Iran and The US.","start":81.34,"end":88.06,"sentiment":"neutral","sentiment_score":0.015016492599478135},{"text":"We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates.","start":88.06,"end":94.115005,"sentiment":"neutral","sentiment_score":-0.19796748459339142},{"text":"So it's kinda hitting us on two fronts at the moment.","start":94.115005,"end":96.615005,"sentiment":"neutral","sentiment_score":-0.27283934436061164}],"sentiment":"neutral","sentiment_score":-0.11529835605372986,"channel":0,"num_words":60,"start":80.299995,"end":96.615005},{"sentences":[{"text":"The higher","start":96.835,"end":97.235,"sentiment":"neutral","sentiment_score":-0.0971062071621418}],"sentiment":"neutral","sentiment_score":-0.0971062071621418,"channel":0,"num_words":2,"start":96.835,"end":97.235},{"sentences":[{"text":"Yes.","start":97.205,"end":97.705,"sentiment":"neutral","sentiment_score":-0.07095476984977722}],"sentiment":"neutral","sentiment_score":-0.07095476984977722,"channel":1,"num_words":1,"start":97.205,"end":97.705},{"sentences":[{"text":"inflation's been affecting things like bonds and fixed interest rates, but then also what's happening overseas is sort of affecting equity.","start":97.235,"end":105.020004,"sentiment":"neutral","sentiment_score":-0.12622463277408055},{"text":"So we have seen some extreme pretty high volatility for this year.","start":105.08,"end":111.58,"sentiment":"neutral","sentiment_score":-0.23300286382436752},{"text":"I've kind of sent a couple of reports to have a bit of a look at things for you.","start":111.8,"end":115.32,"sentiment":"neutral","sentiment_score":-0.002709404418342992},{"text":"So at the moment, when we have a look at your super, it is showing a little bit of a it's not a negative return.","start":115.32,"end":121.175,"sentiment":"neutral","sentiment_score":0.09721683129668236},{"text":"So for the last twelve months, you are still up.","start":121.175,"end":123.755,"sentiment":"positive","sentiment_score":0.48425179719924927}],"sentiment":"neutral","sentiment_score":0.02039894731394176,"channel":0,"num_words":87,"start":97.235,"end":123.755},{"sentences":[{"text":"And when we look at the returns, we look at the internal rate of returns and not including your contributions, and it's after fees.","start":123.815,"end":129.835,"sentiment":"neutral","sentiment_score":0.2118307864293456},{"text":"It is less than 1%, so 0.4%, but it is still a positive return for the twelve months.","start":130.23001,"end":135.99,"sentiment":"positive","sentiment_score":0.45710106525156236},{"text":"So it is still good to see a positive even though we are seeing the volatility side of things.","start":135.99,"end":141.13,"sentiment":"positive","sentiment_score":0.48833616077899933}],"sentiment":"positive","sentiment_score":0.3703302476005476,"channel":0,"num_words":61,"start":123.815,"end":141.13},{"sentences":[{"text":"And is that","start":141.84,"end":142.64,"sentiment":"neutral","sentiment_score":0.04106590027610461}],"sentiment":"neutral","sentiment_score":0.04106590027610461,"channel":1,"num_words":3,"start":141.84,"end":142.64},{"sentences":[{"text":"When I","start":142.31,"end":142.71,"sentiment":"neutral","sentiment_score":0.006989888846874237}],"sentiment":"neutral","sentiment_score":0.006989888846874237,"channel":0,"num_words":2,"start":142.31,"end":142.71},{"sentences":[{"text":"is","start":142.64,"end":142.79999,"sentiment":"neutral","sentiment_score":0.0007364936172962189}],"sentiment":"neutral","sentiment_score":0.0007364936172962189,"channel":1,"num_words":1,"start":142.64,"end":142.79999},{"sentences":[{"text":"kind","start":142.71,"end":143.03,"sentiment":"neutral","sentiment_score":-0.009544357657432556}],"sentiment":"neutral","sentiment_score":-0.009544357657432556,"channel":0,"num_words":1,"start":142.71,"end":143.03},{"sentences":[{"text":"that the","start":142.79999,"end":143.45999,"sentiment":"neutral","sentiment_score":-0.014030843041837215}],"sentiment":"neutral","sentiment_score":-0.014030843041837215,"channel":1,"num_words":2,"start":142.79999,"end":143.45999},{"sentences":[{"text":"of sorry.","start":143.03,"end":143.93001,"sentiment":"neutral","sentiment_score":-0.04196198098361492}],"sentiment":"neutral","sentiment_score":-0.04196198098361492,"channel":0,"num_words":2,"start":143.03,"end":143.93001},{"sentences":[{"text":"usual figure with other because I on my portfolio is a little bit, you know,","start":144.31999,"end":149.59999,"sentiment":"neutral","sentiment_score":-0.0314116928105553}],"sentiment":"neutral","sentiment_score":-0.0314116928105553,"channel":1,"num_words":15,"start":144.31999,"end":149.59999},{"sentences":[{"text":"Different.","start":149.465,"end":149.965,"sentiment":"neutral","sentiment_score":-0.024799302220344543}],"sentiment":"neutral","sentiment_score":-0.024799302220344543,"channel":0,"num_words":1,"start":149.465,"end":149.965},{"sentences":[{"text":"different to most","start":149.59999,"end":150.65999,"sentiment":"neutral","sentiment_score":-0.021867595613002777}],"sentiment":"neutral","sentiment_score":-0.021867595613002777,"channel":1,"num_words":3,"start":149.59999,"end":150.65999},{"sentences":[{"text":"Yes.","start":150.665,"end":151.165,"sentiment":"neutral","sentiment_score":0.018711727112531665}],"sentiment":"neutral","sentiment_score":0.018711727112531665,"channel":0,"num_words":1,"start":150.665,"end":151.165},{"sentences":[{"text":"because of it, trying to keep things","start":150.71999,"end":152.9,"sentiment":"neutral","sentiment_score":0.04849734556462083}],"sentiment":"neutral","sentiment_score":0.04849734556462083,"channel":1,"num_words":7,"start":150.71999,"end":152.9},{"sentences":[{"text":"Ethical.","start":153.86499,"end":154.36499,"sentiment":"neutral","sentiment_score":0.034024979919195175}],"sentiment":"neutral","sentiment_score":0.034024979919195175,"channel":0,"num_words":1,"start":153.86499,"end":154.36499},{"sentences":[{"text":"green and","start":154.005,"end":154.745,"sentiment":"neutral","sentiment_score":0.018449644558131695}],"sentiment":"neutral","sentiment_score":0.018449644558131695,"channel":1,"num_words":2,"start":154.005,"end":154.745},{"sentences":[{"text":"Yeah.","start":156.025,"end":156.525,"sentiment":"neutral","sentiment_score":0.014753480441868303}],"sentiment":"neutral","sentiment_score":0.014753480441868303,"channel":0,"num_words":1,"start":156.025,"end":156.525},{"sentences":[{"text":"But compared to somebody else who had a bit more traditional portfolio, what was their rate of return, not including contribution?","start":157.285,"end":163.305,"sentiment":"neutral","sentiment_score":-0.03763945560370173}],"sentiment":"neutral","sentiment_score":-0.03763945560370173,"channel":1,"num_words":21,"start":157.285,"end":163.305},{"sentences":[{"text":"Yeah.","start":163.95,"end":164.27,"sentiment":"neutral","sentiment_score":-0.000549066811800003},{"text":"And that's a good question.","start":164.27,"end":165.47,"sentiment":"neutral","sentiment_score":0.08698758259415626},{"text":"So with other clients that may have unethical portfolios, some of them are still seeing good rates of returns when they're sort of investing in But we have also had a few that have had negative rates of returns over the last year as well.","start":165.47,"end":178.45499,"sentiment":"neutral","sentiment_score":-0.18106838920050197},{"text":"So for your portfolio, even though you are still green with an ethical environment, you do tend to see lower rates of returns than unethical portfolios because the market tends to most people and the market as a whole tend to reward unethical investments that see higher rates of return.","start":178.83499,"end":195.43001,"sentiment":"neutral","sentiment_score":-0.037267004773020744},{"text":"But your portfolio is actually performing better than a lot of those unethical portfolios at the moment.","start":195.97,"end":200.945,"sentiment":"neutral","sentiment_score":0.03265380727894166}],"sentiment":"neutral","sentiment_score":-0.0764569845997681,"channel":0,"num_words":118,"start":163.95,"end":200.945},{"sentences":[{"text":"Whilst you're still seeing that volatility, the fact that you've come up with a negative return even though it's less than 1% is still a positive a positive thing.","start":201.165,"end":209.425,"sentiment":"neutral","sentiment_score":-0.17714819491937242},{"text":"I've done plenty of annual reviews this year where we've had negative returns.","start":209.645,"end":212.945,"sentiment":"neutral","sentiment_score":0.017427555545089908},{"text":"So you've you've come up with a positive, which is good.","start":214.12001,"end":216.62001,"sentiment":"positive","sentiment_score":0.41619076512076636},{"text":"To kinda sort of see where things have been going, when I look at your portfolio as a whole, your best month was kind of up until October.","start":217.32,"end":226.215,"sentiment":"neutral","sentiment_score":0.12055056781641074},{"text":"From October is when we sort of see a lot of that volatility with what was happening.","start":226.295,"end":229.735,"sentiment":"neutral","sentiment_score":-0.08386706889552228}],"sentiment":"neutral","sentiment_score":0.01650035421824919,"channel":0,"num_words":98,"start":201.165,"end":229.735},{"sentences":[{"text":"We had The US and China.","start":229.735,"end":231.495,"sentiment":"neutral","sentiment_score":-0.013197627539436022},{"text":"We had interest rates rising as well, and then, obviously, this issue with Iran and The US, which has seen equity take a bit of a dip.","start":231.495,"end":238.59,"sentiment":"neutral","sentiment_score":0.02811302969025241},{"text":"So October was where your portfolio was generally at its highest, and you had some really great returns then.","start":239.15,"end":244.75,"sentiment":"positive","sentiment_score":0.47943876683712006},{"text":"But then since then, we've seen the volatility with some some dips.","start":244.75,"end":247.87,"sentiment":"neutral","sentiment_score":-0.012288963422179222},{"text":"We've seen partial recovery points.","start":247.87,"end":249.89,"sentiment":"neutral","sentiment_score":0.08041044473648071}],"sentiment":"neutral","sentiment_score":0.14556213433219903,"channel":0,"num_words":69,"start":229.735,"end":249.89},{"sentences":[{"text":"And then from this year from January to generally about March, the thirtieth is where we've seen the biggest dips with what's been occurring with The US and Iran.","start":250.19,"end":259.975,"sentiment":"neutral","sentiment_score":0.07442544931686355},{"text":"And then in the last sort of two weeks from the April 1, we have seen a little bit of a recovery back in your portfolio there.","start":260.195,"end":267.155,"sentiment":"neutral","sentiment_score":0.2431757132764216},{"text":"So when I kind of look at the last last year as a whole or from, say, January to October, you've made about a 4.33% return there.","start":267.155,"end":277.74,"sentiment":"positive","sentiment_score":0.36812490224838257},{"text":"So you were on track for a really good positive return from that point onwards.","start":278.36,"end":282.14,"sentiment":"positive","sentiment_score":0.5279381096363067},{"text":"Unfortunately, then we saw that volatility, which is where your portfolio has taken a bit of a dip down.","start":282.625,"end":287.36502,"sentiment":"negative","sentiment_score":-0.4317302703857422}],"sentiment":"neutral","sentiment_score":0.15709103552627568,"channel":0,"num_words":117,"start":250.19,"end":287.36502},{"sentences":[{"text":"From that point, you've dropped a fair bit.","start":287.98502,"end":290.565,"sentiment":"negative","sentiment_score":-0.49904655665159225},{"text":"In the last two weeks from the first of of April 1, sorry, to now, you've actually seen a little bit of a recovery point.","start":290.625,"end":298.94,"sentiment":"neutral","sentiment_score":0.06860980600118637},{"text":"So your portfolio has come back by 2.37%, and yesterday, it made a 1% and a return as well.","start":298.94,"end":305.82,"sentiment":"neutral","sentiment_score":0.32893234883484085},{"text":"So we are seeing a bit of a recovery point, which is great, and that's all sort of coming to encompass, you know, with what we've seen in the last twelve months there, and that recovery is giving you a positive return for the last twelve months, which is what we wanna see.","start":305.82,"end":319.745,"sentiment":"positive","sentiment_score":0.47039340633266374},{"text":"But with where we are at the moment with what's happening, we are gonna see more volatility moving forward.","start":320.205,"end":325.59,"sentiment":"neutral","sentiment_score":-0.1644887677148769}],"sentiment":"neutral","sentiment_score":0.2078883167236082,"channel":0,"num_words":124,"start":287.98502,"end":325.59},{"sentences":[{"text":"When I look at the indicators, things like the fixed index, which tells us, you know, essentially what kind of market sentiment is or what kind of volatility can be expected over the next sort of month or so, that index is still showing up over 20%.","start":325.73,"end":340.485,"sentiment":"neutral","sentiment_score":-0.015025379255096963},{"text":"So when you look at the VIX index, if you're looking at that and it's got a 20% or higher, it shows that over the next sort of month, you can expect volatility.","start":340.54498,"end":350.26,"sentiment":"neutral","sentiment_score":0.10133298441316142},{"text":"If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile.","start":350.8,"end":359.46,"sentiment":"neutral","sentiment_score":-0.12681090029386374},{"text":"That's basically from January onwards, it has been up over 20%, has been decreasing slowly.","start":359.84,"end":365.925,"sentiment":"neutral","sentiment_score":-0.021270188937584558},{"text":"But it all comes down to what Trump does as well.","start":366.305,"end":368.625,"sentiment":"neutral","sentiment_score":0.06046319685199044}],"sentiment":"neutral","sentiment_score":-0.0023730713309663715,"channel":0,"num_words":132,"start":325.73,"end":368.625},{"sentences":[{"text":"So one day, you know, he says things are doing well.","start":368.625,"end":371.825,"sentiment":"neutral","sentiment_score":0.32638565654104407},{"text":"We hear some good things about what's happening with Iran and the straight and everything, and, you know, the market increases slightly because investors have a bit more confidence in what they're doing.","start":371.825,"end":380.43,"sentiment":"positive","sentiment_score":0.46814105727455835},{"text":"And then the next day, he yells at someone's swears on social media and attacks another country or something, and then everyone sort of sells out again, and we see a bit more volatility there.","start":380.57,"end":389.93,"sentiment":"neutral","sentiment_score":-0.22635305566447123},{"text":"So there are a lot of unknowns at the moment.","start":389.93,"end":393.13,"sentiment":"negative","sentiment_score":-0.3580099821090698},{"text":"We're kinda just working on day to day with what we can see.","start":393.13,"end":396.335,"sentiment":"neutral","sentiment_score":-0.07236848255762687}],"sentiment":"neutral","sentiment_score":0.06466323597466245,"channel":0,"num_words":102,"start":368.625,"end":396.335},{"sentences":[{"text":"But, yeah, look, there was a point where you did have a bit of a negative return between sort of October to to now, and then from sort of the April 1 onwards, you've had a bit more of a positive comeback, which is giving you that positive return.","start":397.115,"end":410.05002,"sentiment":"neutral","sentiment_score":-0.13683221029231743},{"text":"So it is lower than what we'd like for the portfolio.","start":410.05002,"end":413.03,"sentiment":"neutral","sentiment_score":-0.2622242827307094},{"text":"But given that you are quite green and still coming up with a positive is a good sign, I would like to just sort of keep watching it to see what happens over the next kind of one to two to three months to see whether we need to make any changes or whether we're gonna see a bit of a recovery point there for you.","start":413.89,"end":429.065,"sentiment":"neutral","sentiment_score":0.29779251969673415},{"text":"Does that make sense?","start":429.065,"end":430.025,"sentiment":"neutral","sentiment_score":0.09988606907427311},{"text":"Do you have any other questions about","start":430.025,"end":431.70502,"sentiment":"neutral","sentiment_score":0.04836373031139374}],"sentiment":"neutral","sentiment_score":0.0788551187890507,"channel":0,"num_words":137,"start":397.115,"end":431.70502},{"sentences":[{"text":"Yes.","start":431.51,"end":431.91,"sentiment":"neutral","sentiment_score":0.04416497424244881}],"sentiment":"neutral","sentiment_score":0.04416497424244881,"channel":1,"num_words":1,"start":431.51,"end":431.91},{"sentences":[{"text":"that?","start":431.70502,"end":432.20502,"sentiment":"neutral","sentiment_score":0.039086513221263885}],"sentiment":"neutral","sentiment_score":0.039086513221263885,"channel":0,"num_words":1,"start":431.70502,"end":432.20502},{"sentences":[{"text":"It turned out.","start":431.91,"end":432.87,"sentiment":"neutral","sentiment_score":0.06386752178271611},{"text":"Yes.","start":432.87,"end":433.27,"sentiment":"neutral","sentiment_score":0.03097793459892273},{"text":"That's my question.","start":433.27,"end":434.15,"sentiment":"neutral","sentiment_score":0.014520409827431044},{"text":"Is is there specific components like certain EFT things in it?","start":434.15,"end":439.21,"sentiment":"neutral","sentiment_score":0.00040250635621222585},{"text":"Sorry.","start":439.635,"end":440.035,"sentiment":"neutral","sentiment_score":-0.01418126095086336}],"sentiment":"neutral","sentiment_score":0.013494107284043965,"channel":1,"num_words":19,"start":431.91,"end":440.035},{"sentences":[{"text":"ETFs in","start":440.035,"end":441.475,"sentiment":"neutral","sentiment_score":-0.008702612947672606}],"sentiment":"neutral","sentiment_score":-0.008702612947672606,"channel":1,"num_words":2,"start":440.035,"end":441.475},{"sentences":[{"text":"Yeah.","start":441.31998,"end":441.81998,"sentiment":"neutral","sentiment_score":-0.03087070770561695}],"sentiment":"neutral","sentiment_score":-0.03087070770561695,"channel":0,"num_words":1,"start":441.31998,"end":441.81998},{"sentences":[{"text":"it that are constantly dragging it down whilst others are going up.","start":441.475,"end":446.27502,"sentiment":"neutral","sentiment_score":-0.09085172632088263},{"text":"Like, is there some that we just have to let go or something like that?","start":446.27502,"end":449.715,"sentiment":"neutral","sentiment_score":-0.07163137570023537},{"text":"Something?","start":449.715,"end":450.215,"sentiment":"neutral","sentiment_score":-0.039306022226810455}],"sentiment":"neutral","sentiment_score":-0.07871419191360474,"channel":1,"num_words":28,"start":441.475,"end":450.215},{"sentences":[{"text":"Yeah.","start":451.095,"end":451.495,"sentiment":"neutral","sentiment_score":-0.03337681666016579},{"text":"So when I have a look at it at the moment, I'm just going back to the other portfolio because I have a a stick in front of me.","start":451.495,"end":457.835,"sentiment":"neutral","sentiment_score":-0.1182475493385874},{"text":"So two of your investments are showing a little bit of a negative at the moment.","start":458.615,"end":462.32,"sentiment":"neutral","sentiment_score":-0.2678365232422948},{"text":"So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down.","start":462.32,"end":469.94,"sentiment":"neutral","sentiment_score":-0.12919156036029258},{"text":"It is still a good investment, though.","start":470.32,"end":472.08,"sentiment":"positive","sentiment_score":0.3758216053247452}],"sentiment":"neutral","sentiment_score":-0.10672449780168472,"channel":0,"num_words":77,"start":451.095,"end":472.08},{"sentences":[{"text":"So whilst it is had a had a bit of a rough patch tech and cybersecurity as a whole, it is still a good investment.","start":472.08,"end":478.605,"sentiment":"neutral","sentiment_score":0.22795269936323165},{"text":"I wouldn't wanna sell that as of yet.","start":478.605,"end":480.625,"sentiment":"neutral","sentiment_score":-0.2415032610297203},{"text":"I think whilst it is down at the moment, it is showing that it can come out and show a positive return.","start":481.005,"end":485.725,"sentiment":"positive","sentiment_score":0.3587146503004161},{"text":"I wanna see it come out and provide greater gain.","start":485.725,"end":488.385,"sentiment":"positive","sentiment_score":0.55453060567379},{"text":"Whilst it's down at the moment, it's essentially discounted and your rate of return discounted rate.","start":488.91998,"end":493.4,"sentiment":"neutral","sentiment_score":0.003273341339081526}],"sentiment":"neutral","sentiment_score":0.21303942247673316,"channel":0,"num_words":81,"start":472.08,"end":493.4},{"sentences":[{"text":"So when your contributions are going in, we still wanna buy into those downtimes and really take advantage of the discounted unit pricing for the investment.","start":493.4,"end":501.65997,"sentiment":"neutral","sentiment_score":0.07099985460249278},{"text":"The other ones here, so, which is the beta shares all these sustainable ETF and the SE, which is another sustainable ETF that you've got in there.","start":502.655,"end":511.935,"sentiment":"neutral","sentiment_score":0.08687709009757748},{"text":"They're both showing down again, but, again, it's they 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because of the sell off, because","start":539.245,"end":541.965,"sentiment":"neutral","sentiment_score":-0.05426521328362552}],"sentiment":"neutral","sentiment_score":0.12423430558513193,"channel":0,"num_words":17,"start":537.48505,"end":541.965},{"sentences":[{"text":"Yeah.","start":541.905,"end":542.405,"sentiment":"neutral","sentiment_score":-0.05645573139190674}],"sentiment":"neutral","sentiment_score":-0.05645573139190674,"channel":1,"num_words":1,"start":541.905,"end":542.405},{"sentences":[{"text":"of","start":541.965,"end":542.465,"sentiment":"neutral","sentiment_score":-0.05477581173181534}],"sentiment":"neutral","sentiment_score":-0.05477581173181534,"channel":0,"num_words":1,"start":541.965,"end":542.465},{"sentences":[{"text":"Yeah.","start":542.465,"end":542.965,"sentiment":"neutral","sentiment_score":-0.053070828318595886}],"sentiment":"neutral","sentiment_score":-0.053070828318595886,"channel":1,"num_words":1,"start":542.465,"end":542.965},{"sentences":[{"text":"investor confidence being unknown and because of the volatility that we are seeing.","start":542.685,"end":547.245,"sentiment":"neutral","sentiment_score":-0.13501652502096617},{"text":"So right now, there's nothing I would wanna take out of that portfolio.","start":547.245,"end":550.95996,"sentiment":"neutral","sentiment_score":-0.2425221216220122},{"text":"I'm very hesitant about cementing losses right now.","start":551.26,"end":554.48,"sentiment":"negative","sentiment_score":-0.4400056228041649},{"text":"I'd 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to","start":586.63995,"end":587.36,"sentiment":"neutral","sentiment_score":-0.019761613197624685}],"sentiment":"neutral","sentiment_score":0.17887119106308091,"channel":0,"num_words":64,"start":572.435,"end":587.36},{"sentences":[{"text":"No.","start":587.295,"end":587.695,"sentiment":"neutral","sentiment_score":-0.0654907152056694}],"sentiment":"neutral","sentiment_score":-0.0654907152056694,"channel":1,"num_words":1,"start":587.295,"end":587.695},{"sentences":[{"text":"break it","start":587.36,"end":587.76,"sentiment":"neutral","sentiment_score":-0.04026915319263935}],"sentiment":"neutral","sentiment_score":-0.04026915319263935,"channel":0,"num_words":2,"start":587.36,"end":587.76},{"sentences":[{"text":"No.","start":587.695,"end":588.195,"sentiment":"neutral","sentiment_score":-0.10588113963603972}],"sentiment":"neutral","sentiment_score":-0.10588113963603972,"channel":1,"num_words":1,"start":587.695,"end":588.195},{"sentences":[{"text":"down more for you?","start":587.76,"end":588.98,"sentiment":"neutral","sentiment_score":-0.07632296904921532}],"sentiment":"neutral","sentiment_score":-0.07632296904921532,"channel":0,"num_words":4,"start":587.76,"end":588.98},{"sentences":[{"text":"No.","start":589.935,"end":590.01495,"sentiment":"neutral","sentiment_score":-0.08599389344453812},{"text":"You answered the question, basically.","start":590.01495,"end":591.39496,"sentiment":"neutral","sentiment_score":-0.08205416798591614}],"sentiment":"neutral","sentiment_score":-0.08271078889568646,"channel":1,"num_words":6,"start":589.935,"end":591.39496},{"sentences":[{"text":"That's okay.","start":590.98505,"end":591.80505,"sentiment":"neutral","sentiment_score":-0.1506304144859314}],"sentiment":"neutral","sentiment_score":-0.1506304144859314,"channel":0,"num_words":2,"start":590.98505,"end":591.80505},{"sentences":[{"text":"It's something that's having a a downward 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this","start":595.375,"end":596.595,"sentiment":"neutral","sentiment_score":-0.0930899865925312}],"sentiment":"neutral","sentiment_score":-0.0930899865925312,"channel":1,"num_words":3,"start":595.375,"end":596.595},{"sentences":[{"text":"Yeah.","start":596.10504,"end":596.60504,"sentiment":"neutral","sentiment_score":-0.04288633167743683}],"sentiment":"neutral","sentiment_score":-0.04288633167743683,"channel":0,"num_words":1,"start":596.10504,"end":596.60504},{"sentences":[{"text":"couple.","start":597.055,"end":597.555,"sentiment":"neutral","sentiment_score":-0.062228474766016006}],"sentiment":"neutral","sentiment_score":-0.062228474766016006,"channel":1,"num_words":1,"start":597.055,"end":597.555},{"sentences":[{"text":"Yeah.","start":597.385,"end":597.885,"sentiment":"neutral","sentiment_score":-0.043989136815071106}],"sentiment":"neutral","sentiment_score":-0.043989136815071106,"channel":0,"num_words":1,"start":597.385,"end":597.885},{"sentences":[{"text":"And looks like no.","start":598.575,"end":599.695,"sentiment":"neutral","sentiment_score":-0.08632296323776245},{"text":"It's just it seems to be fine.","start":599.695,"end":601.295,"sentiment":"neutral","sentiment_score":-0.043556111731699536},{"text":"It's just","start":601.295,"end":601.855,"sentiment":"neutral","sentiment_score":-0.045163724571466446}],"sentiment":"neutral","sentiment_score":-0.05696246801660611,"channel":1,"num_words":13,"start":598.575,"end":601.855},{"sentences":[{"text":"Yep.","start":602.025,"end":602.525,"sentiment":"neutral","sentiment_score":-0.04527958482503891}],"sentiment":"neutral","sentiment_score":-0.04527958482503891,"channel":0,"num_words":1,"start":602.025,"end":602.525},{"sentences":[{"text":"it won't grow as big as other portfolios, 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is","start":608.56,"end":612.39996,"sentiment":"neutral","sentiment_score":-0.2067929431796074}],"sentiment":"neutral","sentiment_score":-0.2067929431796074,"channel":1,"num_words":11,"start":608.56,"end":612.39996},{"sentences":[{"text":"Yeah.","start":612.14,"end":612.64,"sentiment":"neutral","sentiment_score":-0.12396128475666046}],"sentiment":"neutral","sentiment_score":-0.12396128475666046,"channel":0,"num_words":1,"start":612.14,"end":612.64},{"sentences":[{"text":"a current concern to pull away.","start":612.39996,"end":614.18,"sentiment":"neutral","sentiment_score":-0.2980838840206464},{"text":"If that's the case, I don't wanna don't wanna sell it because this is a long term thing and 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young.","start":621.72504,"end":622.685,"sentiment":"neutral","sentiment_score":0.014758867677301168},{"text":"You've got a lot of time ahead of you there.","start":622.685,"end":624.365,"sentiment":"neutral","sentiment_score":0.025423279916867613},{"text":"And, I mean, we are seeing a lot more people going into the ethical environment there.","start":624.365,"end":628.84503,"sentiment":"neutral","sentiment_score":0.03972180234268308}],"sentiment":"neutral","sentiment_score":0.030358953445102088,"channel":0,"num_words":32,"start":621.005,"end":628.84503},{"sentences":[{"text":"I did do a comparison for you.","start":628.84503,"end":630.60504,"sentiment":"neutral","sentiment_score":0.03940594143101147},{"text":"So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally.","start":630.60504,"end":636.86005,"sentiment":"neutral","sentiment_score":-0.0443631161137351},{"text":"Australian Ethical are also noting down, in their investments over the last one to three months.","start":637.48004,"end":643.185,"sentiment":"neutral","sentiment_score":-0.21153810899704695},{"text":"Essentially, their balance investment for the three months is down 3.2% for the last their growth investment's down 3.8 for the last three months.","start":644.145,"end":652.065,"sentiment":"neutral","sentiment_score":-0.2112889795874556},{"text":"Their high growth is down 4.4 for the last three months, and their Australian and international shares are down 8.37.6%.","start":652.065,"end":660.19,"sentiment":"neutral","sentiment_score":-0.19655682444572448}],"sentiment":"neutral","sentiment_score":-0.14055797267509135,"channel":0,"num_words":95,"start":628.84503,"end":660.19},{"sentences":[{"text":"So your portfolio has definitely well, it's still seeing that volatility has definitely still performed a bit better than the Australian ethical investments that we moved you out of.","start":660.25,"end":670.525,"sentiment":"neutral","sentiment_score":0.049912325010217466},{"text":"So I just wanted to make sure I had that comparison for you as well.","start":670.525,"end":674.225,"sentiment":"neutral","sentiment_score":0.1681572213768959},{"text":"Okay.","start":674.285,"end":674.785,"sentiment":"neutral","sentiment_score":0.023846328258514404}],"sentiment":"neutral","sentiment_score":0.08874804609351689,"channel":0,"num_words":45,"start":660.25,"end":674.785},{"sentences":[{"text":"Yeah.","start":679.195,"end":679.515,"sentiment":"neutral","sentiment_score":0.015927929431200027},{"text":"Yeah.","start":679.515,"end":679.755,"sentiment":"neutral","sentiment_score":0.008149411529302597},{"text":"So but then","start":679.755,"end":680.395,"sentiment":"neutral","sentiment_score":-0.019401223709185917}],"sentiment":"neutral","sentiment_score":-0.006825266033411026,"channel":1,"num_words":5,"start":679.195,"end":680.395},{"sentences":[{"text":"Sorry.","start":680.365,"end":680.845,"sentiment":"neutral","sentiment_score":-0.07721570134162903}],"sentiment":"neutral","sentiment_score":-0.07721570134162903,"channel":0,"num_words":1,"start":680.365,"end":680.845},{"sentences":[{"text":"here's the key","start":680.395,"end":680.955,"sentiment":"neutral","sentiment_score":-0.07182123015324275}],"sentiment":"neutral","sentiment_score":-0.07182123015324275,"channel":1,"num_words":3,"start":680.395,"end":680.955},{"sentences":[{"text":"I thought","start":680.845,"end":681.045,"sentiment":"neutral","sentiment_score":-0.058754101395606995}],"sentiment":"neutral","sentiment_score":-0.058754101395606995,"channel":0,"num_words":2,"start":680.845,"end":681.045},{"sentences":[{"text":"question.","start":680.955,"end":681.455,"sentiment":"neutral","sentiment_score":-0.08537765592336655}],"sentiment":"neutral","sentiment_score":-0.08537765592336655,"channel":1,"num_words":1,"start":680.955,"end":681.455},{"sentences":[{"text":"I lost you.","start":681.045,"end":681.565,"sentiment":"neutral","sentiment_score":-0.2419747660557429},{"text":"Sorry.","start":681.565,"end":682.065,"sentiment":"neutral","sentiment_score":-0.1134328842163086}],"sentiment":"neutral","sentiment_score":-0.20983929559588432,"channel":0,"num_words":4,"start":681.045,"end":682.065},{"sentences":[{"text":"Here's the key question.","start":682.955,"end":684.09503,"sentiment":"neutral","sentiment_score":-0.046623808331787586},{"text":"Has my rate of return since I've left Ethical Super been the same or better over that that you know, the last couple of years compared to Ethical Super's rate of return?","start":686.11,"end":694.83,"sentiment":"neutral","sentiment_score":0.06792564608622342},{"text":"That's the interesting thing.","start":694.83,"end":695.95,"sentiment":"neutral","sentiment_score":0.08660488482564688},{"text":"Like, was it worthwhile","start":695.95,"end":697.25,"sentiment":"neutral","sentiment_score":0.07267712615430355}],"sentiment":"neutral","sentiment_score":0.059642124667086384,"channel":1,"num_words":44,"start":682.955,"end":697.25},{"sentences":[{"text":"Yeah.","start":696.915,"end":697.415,"sentiment":"neutral","sentiment_score":0.05549311637878418}],"sentiment":"neutral","sentiment_score":0.05549311637878418,"channel":0,"num_words":1,"start":696.915,"end":697.415},{"sentences":[{"text":"to move?","start":697.31,"end":697.97003,"sentiment":"neutral","sentiment_score":0.04962997790426016}],"sentiment":"neutral","sentiment_score":0.04962997790426016,"channel":1,"num_words":2,"start":697.31,"end":697.97003},{"sentences":[{"text":"Yeah.","start":698.915,"end":699.235,"sentiment":"neutral","sentiment_score":0.1794937551021576},{"text":"It absolutely has been worthwhile to move.","start":699.235,"end":701.415,"sentiment":"neutral","sentiment_score":0.2940254977771214},{"text":"They don't update their returns as regularly as what we can see here.","start":701.475,"end":705.415,"sentiment":"neutral","sentiment_score":0.01710440841718362},{"text":"The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better.","start":705.795,"end":711.66,"sentiment":"neutral","sentiment_score":0.01275280035885149},{"text":"It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone 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reported.","start":726.265,"end":731.245,"sentiment":"neutral","sentiment_score":0.23461535796523095},{"text":"So","start":731.385,"end":731.885,"sentiment":"neutral","sentiment_score":0.06343600153923035}],"sentiment":"neutral","sentiment_score":0.11198576137423516,"channel":0,"num_words":50,"start":716.83997,"end":731.885},{"sentences":[{"text":"Yep.","start":732.465,"end":732.86505,"sentiment":"neutral","sentiment_score":0.08344048261642456},{"text":"And and how do I how do I see a simple report or screenshot to compare the the two?","start":732.86505,"end":738.005,"sentiment":"neutral","sentiment_score":0.037401543538037096}],"sentiment":"neutral","sentiment_score":0.03970349049195647,"channel":1,"num_words":20,"start":732.465,"end":738.005},{"sentences":[{"text":"we have to go back and we have to go back and look at their website to see what kind of what they've reported on.","start":738.76,"end":746.04,"sentiment":"neutral","sentiment_score":-0.004931967407464981},{"text":"They report on gross returns.","start":746.04,"end":747.64,"sentiment":"neutral","sentiment_score":-0.004236942157149315},{"text":"They also report.","start":747.64,"end":748.7,"sentiment":"neutral","sentiment_score":-0.013884889582792917},{"text":"And, look, it's not a perfect comparison because they're reporting growth, and it's not in particular added to any particular portfolio.","start":748.725,"end":756.985,"sentiment":"neutral","sentiment_score":-0.11673477859724135},{"text":"So someone in ethical super may not have forgot the exact return that we're reporting on, but they're reporting on essentially a gross return of what their portfolios have averaged, whereas the return I'm giving you is more clarified to your portfolio.","start":757.365,"end":770.04,"sentiment":"neutral","sentiment_score":-0.03605411733899798}],"sentiment":"neutral","sentiment_score":-0.04324835253646597,"channel":0,"num_words":96,"start":738.76,"end":770.04},{"sentences":[{"text":"It's not a perfect not a perfect sort of fit.","start":770.26,"end":773.205,"sentiment":"neutral","sentiment_score":-0.20866595357656478},{"text":"But, yeah, I like it.","start":773.765,"end":774.965,"sentiment":"positive","sentiment_score":0.4050575703382492},{"text":"I'm happy with it.","start":774.965,"end":775.765,"sentiment":"positive","sentiment_score":0.6748032122850418},{"text":"I think your portfolio has done really, really well.","start":775.765,"end":777.765,"sentiment":"positive","sentiment_score":0.6451108455657959},{"text":"These investments have done great up until this point, and just going through this cycle and letting it come out on the other side and then seeing where we go from here would be a good idea.","start":777.765,"end":788.025,"sentiment":"positive","sentiment_score":0.41936684862987417}],"sentiment":"positive","sentiment_score":0.3686217257609734,"channel":0,"num_words":65,"start":770.26,"end":788.025},{"sentences":[{"text":"Yeah.","start":788.03503,"end":788.53503,"sentiment":"neutral","sentiment_score":0.028009874746203423},{"text":"Yes.","start":788.835,"end":789.335,"sentiment":"neutral","sentiment_score":-0.024398133158683777}],"sentiment":"neutral","sentiment_score":0.0018058707937598228,"channel":1,"num_words":2,"start":788.03503,"end":789.335},{"sentences":[{"text":"Hesitant to sell anything right now, I don't wanna cement losses for no particular reason.","start":789.12,"end":793.36,"sentiment":"neutral","sentiment_score":-0.26459265549977623},{"text":"You are still really young, and you've got a lot of time ahead of you.","start":793.36,"end":796.64,"sentiment":"neutral","sentiment_score":-0.21249281167984008},{"text":"As you said, these are long term investments.","start":796.64,"end":798.48,"sentiment":"neutral","sentiment_score":0.03804105892777443},{"text":"We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to.","start":798.48,"end":811.245,"sentiment":"neutral","sentiment_score":0.08827502660307229},{"text":"Does that sound okay?","start":811.245,"end":812.385,"sentiment":"neutral","sentiment_score":0.09772257693111897}],"sentiment":"neutral","sentiment_score":-0.021064912599901998,"channel":0,"num_words":93,"start":789.12,"end":812.385},{"sentences":[{"text":"Yeah.","start":813.275,"end":813.435,"sentiment":"neutral","sentiment_score":0.1497439444065094},{"text":"Yeah.","start":813.435,"end":813.675,"sentiment":"neutral","sentiment_score":0.2521132826805115},{"text":"Sounds good.","start":813.675,"end":814.315,"sentiment":"positive","sentiment_score":0.5485489070415497},{"text":"Sounds good.","start":814.315,"end":814.875,"sentiment":"positive","sentiment_score":0.5279548466205597}],"sentiment":"positive","sentiment_score":0.4258107890685399,"channel":1,"num_words":6,"start":813.275,"end":814.875},{"sentences":[{"text":"Yep.","start":814.765,"end":815.265,"sentiment":"neutral","sentiment_score":0.19396841526031497}],"sentiment":"neutral","sentiment_score":0.19396841526031497,"channel":0,"num_words":1,"start":814.765,"end":815.265},{"sentences":[{"text":"Yep.","start":814.875,"end":815.375,"sentiment":"neutral","sentiment_score":0.1333194375038147},{"text":"So what would be that what what's the figure, you know, like, if I was comparing the figure, like, what what's the figure?","start":815.59503,"end":822.155,"sentiment":"neutral","sentiment_score":0.05797702972979649},{"text":"So I'm I'm having, what, 2%, 3% annual return.","start":822.155,"end":825.295,"sentiment":"neutral","sentiment_score":0.1648245139254464}],"sentiment":"neutral","sentiment_score":0.0894003559581258,"channel":1,"num_words":33,"start":814.875,"end":825.295},{"sentences":[{"text":"Perfect.","start":825.74005,"end":826.24005,"sentiment":"positive","sentiment_score":0.5252761840820312}],"sentiment":"positive","sentiment_score":0.5252761840820312,"channel":0,"num_words":1,"start":825.74005,"end":826.24005},{"sentences":[{"text":"What's that figure in the last six to twelve months?","start":825.95996,"end":829.66,"sentiment":"neutral","sentiment_score":0.18882752507925032}],"sentiment":"neutral","sentiment_score":0.18882752507925032,"channel":1,"num_words":10,"start":825.95996,"end":829.66},{"sentences":[{"text":"Well, last year for the calendar year up until October, you were trendy you were up that 4.33%.","start":829.27496,"end":836.15497,"sentiment":"neutral","sentiment_score":0.20881820966800055},{"text":"So you were on track for about a 6% return.","start":836.15497,"end":838.735,"sentiment":"neutral","sentiment_score":0.3253187626600266},{"text":"In the","start":839.035,"end":839.435,"sentiment":"neutral","sentiment_score":0.07137970253825188}],"sentiment":"neutral","sentiment_score":0.23848916019002597,"channel":0,"num_words":30,"start":829.27496,"end":839.435},{"sentences":[{"text":"Mhmm.","start":839.39996,"end":839.89996,"sentiment":"neutral","sentiment_score":0.05926816910505295}],"sentiment":"neutral","sentiment_score":0.05926816910505295,"channel":1,"num_words":1,"start":839.39996,"end":839.89996},{"sentences":[{"text":"growth portfolio that you're in, we're looking to try and obtain about a seven to 9% return.","start":839.435,"end":845.87,"sentiment":"neutral","sentiment_score":0.07511981839642805}],"sentiment":"neutral","sentiment_score":0.07511981839642805,"channel":0,"num_words":17,"start":839.435,"end":845.87},{"sentences":[{"text":"Yes.","start":846.485,"end":846.985,"sentiment":"neutral","sentiment_score":0.06166766583919525}],"sentiment":"neutral","sentiment_score":0.06166766583919525,"channel":1,"num_words":1,"start":846.485,"end":846.985},{"sentences":[{"text":"So anything under that sort of 7% is technically underperforming.","start":846.49,"end":850.43,"sentiment":"neutral","sentiment_score":-0.12281857952475547},{"text":"Anything over that 9% is, you know, doing really, really well.","start":850.73,"end":854.58997,"sentiment":"neutral","sentiment_score":0.15183410996740515},{"text":"The only thing that could be a little bit different with your portfolio is that you are more ethical.","start":854.825,"end":859.245,"sentiment":"neutral","sentiment_score":-0.01858262992218921},{"text":"So ethical portfolios","start":859.385,"end":860.525,"sentiment":"neutral","sentiment_score":0.019536246235171955}],"sentiment":"neutral","sentiment_score":0.003430888013437737,"channel":0,"num_words":43,"start":846.49,"end":860.525},{"sentences":[{"text":"Yeah.","start":860.2,"end":860.7,"sentiment":"neutral","sentiment_score":0.07495787739753723}],"sentiment":"neutral","sentiment_score":0.07495787739753723,"channel":1,"num_words":1,"start":860.2,"end":860.7},{"sentences":[{"text":"tend to get a lower rate of return.","start":860.665,"end":862.585,"sentiment":"neutral","sentiment_score":0.06087562721222639},{"text":"So I've been looking when we're looking at that, we're looking at that over the longer term to averaging over, you know, the next one, two, three, ten years to see what that kind of averages out and sort of see where things are going.","start":862.585,"end":875.55,"sentiment":"neutral","sentiment_score":0.07072832692000601},{"text":"But right now, the fact that you've come out with a positive return over the last twelve months even with what we're doing is still a good sign.","start":875.55,"end":883.89,"sentiment":"positive","sentiment_score":0.5696947819420269},{"text":"It is showing that your portfolio does recover.","start":883.935,"end":886.895,"sentiment":"positive","sentiment_score":0.6147613450884819},{"text":"It does show good potential growth.","start":886.895,"end":889.15497,"sentiment":"positive","sentiment_score":0.6637355387210846}],"sentiment":"neutral","sentiment_score":0.30022881701588633,"channel":0,"num_words":95,"start":860.665,"end":889.15497},{"sentences":[{"text":"It does see those downtimes like every other investment out there.","start":889.455,"end":892.995,"sentiment":"neutral","sentiment_score":-0.04168502546169541},{"text":"But the other thing to sort of remember is that 90% of market movements are just investors getting nervous with what they're seeing, what they're doing.","start":893.055,"end":899.875,"sentiment":"neutral","sentiment_score":-0.2972732298076153},{"text":"Human beings are not rational creatures in any way, shape, or form, and I'm here to sort of stop you from making, you know, making changes to your portfolio based on, you know, the way we feel.","start":899.99,"end":914.535,"sentiment":"neutral","sentiment_score":-0.28364374146268173},{"text":"Because 90 of, you know, buyers and sales are just emotional emotional reactions people feel.","start":914.535,"end":919.915,"sentiment":"neutral","sentiment_score":-0.26883145471413933},{"text":"They see something they don't like, and they go, oh, I've gotta get out before somebody else knocks me out.","start":920.055,"end":924.71497,"sentiment":"negative","sentiment_score":-0.49366953819990156}],"sentiment":"neutral","sentiment_score":-0.2989754153569357,"channel":0,"num_words":109,"start":889.455,"end":924.71497},{"sentences":[{"text":"So it's a lot of it is just emotional human reaction to what what they're hearing and seeing and feeling in the market or in the news.","start":925.415,"end":932.83,"sentiment":"neutral","sentiment_score":-0.27850897665377017},{"text":"So yeah.","start":932.83,"end":933.97003,"sentiment":"neutral","sentiment_score":0.05941162258386612}],"sentiment":"neutral","sentiment_score":-0.25520410774082974,"channel":0,"num_words":29,"start":925.415,"end":933.97003},{"sentences":[{"text":"I agree with you, sir.","start":934.405,"end":935.285,"sentiment":"neutral","sentiment_score":0.2849923849105835},{"text":"I'm just asking the question, but I agree with you.","start":935.285,"end":937.045,"sentiment":"neutral","sentiment_score":0.22834456115961074},{"text":"So I'm not looking to 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to see that where that, you","start":939.365,"end":941.73,"sentiment":"neutral","sentiment_score":-0.0069770413850034985}],"sentiment":"neutral","sentiment_score":-0.0069770413850034985,"channel":1,"num_words":7,"start":939.365,"end":941.73},{"sentences":[{"text":"Yeah.","start":941.705,"end":942.205,"sentiment":"neutral","sentiment_score":-0.0576232373714447}],"sentiment":"neutral","sentiment_score":-0.0576232373714447,"channel":0,"num_words":1,"start":941.705,"end":942.205},{"sentences":[{"text":"know, there isn't anything particular that we haven't at an angle we haven't looked at.","start":941.73,"end":945.83,"sentiment":"neutral","sentiment_score":-0.22554844121138254}],"sentiment":"neutral","sentiment_score":-0.22554844121138254,"channel":1,"num_words":15,"start":941.73,"end":945.83},{"sentences":[{"text":"Yeah.","start":945.54504,"end":946.04504,"sentiment":"neutral","sentiment_score":-0.10224767029285432}],"sentiment":"neutral","sentiment_score":-0.10224767029285432,"channel":0,"num_words":1,"start":945.54504,"end":946.04504},{"sentences":[{"text":"Like,","start":946.05,"end":946.37,"sentiment":"neutral","sentiment_score":-0.07116136699914932}],"sentiment":"neutral","sentiment_score":-0.07116136699914932,"channel":1,"num_words":1,"start":946.05,"end":946.37},{"sentences":[{"text":"No.","start":946.34503,"end":946.66504,"sentiment":"neutral","sentiment_score":-0.18700730800628665}],"sentiment":"neutral","sentiment_score":-0.18700730800628665,"channel":0,"num_words":1,"start":946.34503,"end":946.66504},{"sentences":[{"text":"my 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there an ethical ETF or something that I don't have","start":947.17,"end":953.19,"sentiment":"neutral","sentiment_score":-0.2290597887975829}],"sentiment":"neutral","sentiment_score":-0.2290597887975829,"channel":1,"num_words":14,"start":947.17,"end":953.19},{"sentences":[{"text":"Mhmm.","start":953.16,"end":953.66,"sentiment":"neutral","sentiment_score":-0.25529950857162476}],"sentiment":"neutral","sentiment_score":-0.25529950857162476,"channel":0,"num_words":1,"start":953.16,"end":953.66},{"sentences":[{"text":"or something that's almost ethical that I you know, I'm really stupid to not have.","start":953.25,"end":958.265,"sentiment":"negative","sentiment_score":-0.4963917315006256},{"text":"That's the next 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got.","start":962.68,"end":968.095,"sentiment":"neutral","sentiment_score":0.1656121361781569}],"sentiment":"neutral","sentiment_score":0.08403439976034625,"channel":0,"num_words":31,"start":959.0,"end":968.095},{"sentences":[{"text":"I have seen a few others that we could maybe add into the portfolio.","start":968.095,"end":973.315,"sentiment":"neutral","sentiment_score":0.16851360031536647},{"text":"What I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio.","start":974.575,"end":982.94,"sentiment":"neutral","sentiment_score":0.0347778668955845},{"text":"I can double check that we don't, you know, see how your make sure your asset allocation is in line with that gross percentage correctly between all the investments there.","start":983.72003,"end":992.115,"sentiment":"neutral","sentiment_score":0.11772568101684253},{"text":"I can have a bit of a look at maybe see if there's anything that we need to maybe add to kinda give it a bit of a boost, but also making sure that we're not, you know, cementing anything too drastic.","start":992.355,"end":1002.755,"sentiment":"neutral","sentiment_score":0.09771724391196455},{"text":"We're not causing any big CDT consequences for your portfolio, that we're not,","start":1002.755,"end":1007.67,"sentiment":"neutral","sentiment_score":-0.11103904132659619}],"sentiment":"neutral","sentiment_score":0.07318815801824842,"channel":0,"num_words":133,"start":968.095,"end":1007.67},{"sentences":[{"text":"Yes.","start":1007.57,"end":1008.07,"sentiment":"neutral","sentiment_score":-0.09907011687755583}],"sentiment":"neutral","sentiment_score":-0.09907011687755583,"channel":1,"num_words":1,"start":1007.57,"end":1008.07},{"sentences":[{"text":"you know, cementing losses and causing a 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hey.","start":1015.59,"end":1018.23004,"sentiment":"neutral","sentiment_score":0.006186987486823152},{"text":"Look.","start":1018.23004,"end":1018.39,"sentiment":"neutral","sentiment_score":0.00563360471278429},{"text":"This is kind of where we're tracking.","start":1018.39,"end":1020.01,"sentiment":"neutral","sentiment_score":0.015545680586780821}],"sentiment":"neutral","sentiment_score":-0.034954024926073066,"channel":0,"num_words":38,"start":1009.59,"end":1020.01},{"sentences":[{"text":"We we don't really need to change anything right now.","start":1020.185,"end":1022.345,"sentiment":"neutral","sentiment_score":-0.013719392940402031},{"text":"Let's come back and look at it down the track.","start":1022.345,"end":1024.4451,"sentiment":"neutral","sentiment_score":0.07182903103530407},{"text":"Does that sound okay?","start":1024.585,"end":1025.645,"sentiment":"neutral","sentiment_score":0.09013455361127853}],"sentiment":"neutral","sentiment_score":0.039234774808088936,"channel":0,"num_words":24,"start":1020.185,"end":1025.645},{"sentences":[{"text":"Sounds perfect.","start":1025.97,"end":1026.79,"sentiment":"positive","sentiment_score":0.4300657659769058}],"sentiment":"positive","sentiment_score":0.4300657659769058,"channel":1,"num_words":2,"start":1025.97,"end":1026.79},{"sentences":[{"text":"Yeah.","start":1027.3049,"end":1027.705,"sentiment":"neutral","sentiment_score":0.3185386061668396},{"text":"Perfect.","start":1027.705,"end":1028.205,"sentiment":"positive","sentiment_score":0.562476396560669},{"text":"Excellent.","start":1028.345,"end":1028.845,"sentiment":"positive","sentiment_score":0.5895601511001587},{"text":"So I'll go back and do that research.","start":1028.905,"end":1030.585,"sentiment":"positive","sentiment_score":0.43232744187116623},{"text":"It's not a problem at all.","start":1030.585,"end":1032.025,"sentiment":"positive","sentiment_score":0.4183172831932704}],"sentiment":"positive","sentiment_score":0.4375940228209776,"channel":0,"num_words":17,"start":1027.3049,"end":1032.025},{"sentences":[{"text":"Okay?","start":1032.025,"end":1032.525,"sentiment":"neutral","sentiment_score":0.28349143266677856}],"sentiment":"neutral","sentiment_score":0.28349143266677856,"channel":0,"num_words":1,"start":1032.025,"end":1032.525},{"sentences":[{"text":"Sounds good.","start":1034.05,"end":1034.71,"sentiment":"positive","sentiment_score":0.4397238790988922}],"sentiment":"positive","sentiment_score":0.4397238790988922,"channel":1,"num_words":2,"start":1034.05,"end":1034.71},{"sentences":[{"text":"Excellent.","start":1035.4601,"end":1035.9601,"sentiment":"positive","sentiment_score":0.39351242780685425},{"text":"Is there any other questions you had in relation to the portfolio or your super?","start":1037.22,"end":1041.72,"sentiment":"neutral","sentiment_score":0.06796436024208864},{"text":"Or","start":1041.86,"end":1042.02,"sentiment":"neutral","sentiment_score":-0.02737423405051231}],"sentiment":"neutral","sentiment_score":0.08150609396398067,"channel":0,"num_words":17,"start":1035.4601,"end":1042.02},{"sentences":[{"text":"Nope.","start":1044.145,"end":1044.465,"sentiment":"neutral","sentiment_score":-0.11111416667699814},{"text":"I think that's pretty much","start":1044.465,"end":1045.425,"sentiment":"neutral","sentiment_score":-0.12150257229804992}],"sentiment":"neutral","sentiment_score":-0.11977117136120796,"channel":1,"num_words":6,"start":1044.145,"end":1045.425},{"sentences":[{"text":"no?","start":1045.3151,"end":1045.8151,"sentiment":"neutral","sentiment_score":-0.03234940767288208}],"sentiment":"neutral","sentiment_score":-0.03234940767288208,"channel":0,"num_words":1,"start":1045.3151,"end":1045.8151},{"sentences":[{"text":"it.","start":1045.425,"end":1045.925,"sentiment":"neutral","sentiment_score":0.04368532449007034}],"sentiment":"neutral","sentiment_score":0.04368532449007034,"channel":1,"num_words":1,"start":1045.425,"end":1045.925},{"sentences":[{"text":"Oh, good.","start":1046.035,"end":1047.0751,"sentiment":"neutral","sentiment_score":0.19753317534923553},{"text":"All good.","start":1047.0751,"end":1047.555,"sentiment":"neutral","sentiment_score":0.23332771658897397},{"text":"After the call, I will send you an annual review pack as well, which does have some of the reports in there for you to have a bit of a look at.","start":1047.555,"end":1053.555,"sentiment":"neutral","sentiment_score":0.15469267102889717},{"text":"It's also got the financial services guide in there for us.","start":1053.555,"end":1056.535,"sentiment":"neutral","sentiment_score":0.14144476706331427},{"text":"It's also got a few additional documents attached.","start":1056.675,"end":1059.0,"sentiment":"neutral","sentiment_score":0.11037619784474373}],"sentiment":"neutral","sentiment_score":0.15001435049555517,"channel":0,"num_words":55,"start":1046.035,"end":1059.0},{"sentences":[{"text":"So one of the things we are getting updated is the tax file consent form.","start":1059.0,"end":1063.18,"sentiment":"neutral","sentiment_score":0.12805540810028712},{"text":"We obviously do hold your tax phone number.","start":1063.4,"end":1065.24,"sentiment":"neutral","sentiment_score":0.14930250495672226},{"text":"We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold.","start":1065.24,"end":1069.88,"sentiment":"neutral","sentiment_score":0.2265701111406088},{"text":"So we are just setting a tax file consent updated to make you aware that we do hold that.","start":1069.88,"end":1074.495,"sentiment":"neutral","sentiment_score":0.13227196939681707},{"text":"With your insurances here, so we obviously retained your your Smart Monday for your life and CBD, and you've got your ClearView cover there as well with the income protection side of things.","start":1075.295,"end":1087.555,"sentiment":"neutral","sentiment_score":0.16289164306539478}],"sentiment":"neutral","sentiment_score":0.16352889498597697,"channel":0,"num_words":95,"start":1059.0,"end":1087.555},{"sentences":[{"text":"I just wanted to make sure they're all still appropriate for you.","start":1087.97,"end":1091.27,"sentiment":"neutral","sentiment_score":0.1772002223879099},{"text":"With","start":1091.89,"end":1092.2101,"sentiment":"neutral","sentiment_score":0.006234453991055489}],"sentiment":"neutral","sentiment_score":0.1640490094343057,"channel":0,"num_words":13,"start":1087.97,"end":1092.2101},{"sentences":[{"text":"Yes.","start":1092.205,"end":1092.605,"sentiment":"neutral","sentiment_score":-0.0005758730694651604}],"sentiment":"neutral","sentiment_score":-0.0005758730694651604,"channel":1,"num_words":1,"start":1092.205,"end":1092.605},{"sentences":[{"text":"the","start":1092.2101,"end":1092.7101,"sentiment":"neutral","sentiment_score":-0.022485122084617615}],"sentiment":"neutral","sentiment_score":-0.022485122084617615,"channel":0,"num_words":1,"start":1092.2101,"end":1092.7101},{"sentences":[{"text":"With the exception of it, there's a change, but I don't have","start":1092.605,"end":1095.8049,"sentiment":"neutral","sentiment_score":-0.08632593446721633}],"sentiment":"neutral","sentiment_score":-0.08632593446721633,"channel":1,"num_words":12,"start":1092.605,"end":1095.8049},{"sentences":[{"text":"okay.","start":1095.73,"end":1096.23,"sentiment":"neutral","sentiment_score":-0.10510759055614471}],"sentiment":"neutral","sentiment_score":-0.10510759055614471,"channel":0,"num_words":1,"start":1095.73,"end":1096.23},{"sentences":[{"text":"much details yet.","start":1095.8049,"end":1097.105,"sentiment":"neutral","sentiment_score":-0.09229697287082672},{"text":"KPMG has changed has changed their super from Smart Monday to host plus.","start":1097.325,"end":1103.345,"sentiment":"neutral","sentiment_score":-0.0337139660349259}],"sentiment":"neutral","sentiment_score":-0.044698279816657305,"channel":1,"num_words":16,"start":1095.8049,"end":1103.345},{"sentences":[{"text":"Right.","start":1104.385,"end":1104.785,"sentiment":"neutral","sentiment_score":-0.010194305330514908},{"text":"Right.","start":1104.785,"end":1105.185,"sentiment":"neutral","sentiment_score":-0.015984121710062027},{"text":"So there could be a change in the income protection sorry.","start":1105.185,"end":1108.2251,"sentiment":"neutral","sentiment_score":-0.04837062209844589},{"text":"Life and CBD side of things?","start":1108.2251,"end":1109.8451,"sentiment":"neutral","sentiment_score":-0.015432829192529121}],"sentiment":"neutral","sentiment_score":-0.0342553813304556,"channel":0,"num_words":19,"start":1104.385,"end":1109.8451},{"sentences":[{"text":"Yeah.","start":1110.62,"end":1110.94,"sentiment":"neutral","sentiment_score":0.004605120979249477},{"text":"So all the ones I get for free.","start":1110.94,"end":1112.96,"sentiment":"neutral","sentiment_score":0.008130848174914718}],"sentiment":"neutral","sentiment_score":0.007739100708729691,"channel":1,"num_words":9,"start":1110.62,"end":1112.96},{"sentences":[{"text":"Yep.","start":1113.4401,"end":1113.9401,"sentiment":"neutral","sentiment_score":-0.0020733035635203123}],"sentiment":"neutral","sentiment_score":-0.0020733035635203123,"channel":0,"num_words":1,"start":1113.4401,"end":1113.9401},{"sentences":[{"text":"So death cover what or is it the other one?","start":1114.62,"end":1117.6799,"sentiment":"neutral","sentiment_score":-0.057251301035284995},{"text":"Permanent","start":1118.235,"end":1118.735,"sentiment":"neutral","sentiment_score":-0.05766846239566803}],"sentiment":"neutral","sentiment_score":-0.05728922479531982,"channel":1,"num_words":11,"start":1114.62,"end":1118.735},{"sentences":[{"text":"Total term disability?","start":1118.56,"end":1119.7001,"sentiment":"neutral","sentiment_score":-0.0486600399017334},{"text":"Yeah.","start":1120.2401,"end":1120.7401,"sentiment":"neutral","sentiment_score":-0.03223951533436775}],"sentiment":"neutral","sentiment_score":-0.04455490875989199,"channel":0,"num_words":4,"start":1118.56,"end":1120.7401},{"sentences":[{"text":"disability.","start":1122.795,"end":1123.115,"sentiment":"neutral","sentiment_score":-0.039970412850379944},{"text":"And I'm not sure if they cover and protect it.","start":1123.115,"end":1124.955,"sentiment":"neutral","sentiment_score":-0.2754365518689156},{"text":"But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet.","start":1124.955,"end":1130.555,"sentiment":"neutral","sentiment_score":-0.2889329095681508},{"text":"And so what what the new stuff will","start":1130.555,"end":1133.68,"sentiment":"neutral","sentiment_score":-0.15067202411592007}],"sentiment":"neutral","sentiment_score":-0.2542814407930818,"channel":1,"num_words":43,"start":1122.795,"end":1133.68},{"sentences":[{"text":"Oh,","start":1133.375,"end":1133.7749,"sentiment":"neutral","sentiment_score":-0.14024129509925842}],"sentiment":"neutral","sentiment_score":-0.14024129509925842,"channel":0,"num_words":1,"start":1133.375,"end":1133.7749},{"sentences":[{"text":"be 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soon.","start":1134.0,"end":1135.06,"sentiment":"neutral","sentiment_score":-0.057245017339785896},{"text":"And","start":1135.6401,"end":1136.1401,"sentiment":"neutral","sentiment_score":-0.013574793934822084}],"sentiment":"neutral","sentiment_score":-0.04632746148854494,"channel":1,"num_words":4,"start":1134.0,"end":1136.1401},{"sentences":[{"text":"Okay.","start":1135.7749,"end":1136.2749,"sentiment":"neutral","sentiment_score":-0.0034328410401940346}],"sentiment":"neutral","sentiment_score":-0.0034328410401940346,"channel":0,"num_words":1,"start":1135.7749,"end":1136.2749},{"sentences":[{"text":"and I do have a separate insurance.","start":1136.7201,"end":1138.66,"sentiment":"neutral","sentiment_score":-0.009798458644321986},{"text":"What was it?","start":1138.7201,"end":1139.3601,"sentiment":"neutral","sentiment_score":-0.02065698802471161},{"text":"Life insurance, was it?","start":1139.3601,"end":1140.4,"sentiment":"neutral","sentiment_score":-0.034545021597296},{"text":"I can't remember now.","start":1140.4,"end":1141.52,"sentiment":"neutral","sentiment_score":-0.09807406738400459}],"sentiment":"neutral","sentiment_score":-0.036724251694977283,"channel":1,"num_words":18,"start":1136.7201,"end":1141.52},{"sentences":[{"text":"That's","start":1141.34,"end":1141.74,"sentiment":"neutral","sentiment_score":-0.09009186923503876}],"sentiment":"neutral","sentiment_score":-0.09009186923503876,"channel":0,"num_words":1,"start":1141.34,"end":1141.74},{"sentences":[{"text":"No.","start":1141.52,"end":1142.02,"sentiment":"neutral","sentiment_score":-0.18132811784744263}],"sentiment":"neutral","sentiment_score":-0.18132811784744263,"channel":1,"num_words":1,"start":1141.52,"end":1142.02},{"sentences":[{"text":"yes.","start":1141.98,"end":1142.48,"sentiment":"neutral","sentiment_score":-0.065985307097435},{"text":"Income protection.","start":1142.7799,"end":1143.74,"sentiment":"neutral","sentiment_score":-0.07687359862029552},{"text":"That's with Clearview.","start":1143.74,"end":1144.7999,"sentiment":"neutral","sentiment_score":-0.008352289286752542}],"sentiment":"neutral","sentiment_score":-0.040798228699713945,"channel":0,"num_words":6,"start":1141.98,"end":1144.7999},{"sentences":[{"text":"Yes.","start":1145.905,"end":1146.065,"sentiment":"neutral","sentiment_score":0.008927403017878532},{"text":"Yes.","start":1146.065,"end":1146.225,"sentiment":"neutral","sentiment_score":-0.0010585691779851911},{"text":"So I don't think KPMG covers income protection.","start":1146.225,"end":1148.805,"sentiment":"neutral","sentiment_score":-0.10398556059226394},{"text":"So I think","start":1149.425,"end":1149.825,"sentiment":"neutral","sentiment_score":-0.07146238535642624}],"sentiment":"neutral","sentiment_score":-0.07987713899749976,"channel":1,"num_words":13,"start":1145.905,"end":1149.825},{"sentences":[{"text":"No.","start":1149.755,"end":1150.255,"sentiment":"neutral","sentiment_score":-0.17395086586475372}],"sentiment":"neutral","sentiment_score":-0.17395086586475372,"channel":0,"num_words":1,"start":1149.755,"end":1150.255},{"sentences":[{"text":"that's why I called it separately.","start":1149.825,"end":1151.205,"sentiment":"neutral","sentiment_score":-0.11569506426652272}],"sentiment":"neutral","sentiment_score":-0.11569506426652272,"channel":1,"num_words":6,"start":1149.825,"end":1151.205},{"sentences":[{"text":"That's correct.","start":1151.9149,"end":1152.715,"sentiment":"neutral","sentiment_score":0.0452833604067564},{"text":"Yeah.","start":1152.715,"end":1152.875,"sentiment":"neutral","sentiment_score":0.0537845715880394},{"text":"That was to cover the income in the short term.","start":1152.875,"end":1155.215,"sentiment":"neutral","sentiment_score":0.0356152143329382},{"text":"The income protection was based on your income at the time of about 130,000.","start":1155.355,"end":1160.315,"sentiment":"neutral","sentiment_score":0.01818982611543366},{"text":"Has your income changed since we last caught up at all?","start":1160.315,"end":1164.12,"sentiment":"neutral","sentiment_score":-0.05640769885344939}],"sentiment":"neutral","sentiment_score":0.003544113525238476,"channel":0,"num_words":38,"start":1151.9149,"end":1164.12},{"sentences":[{"text":"A little bit.","start":1164.75,"end":1165.7101,"sentiment":"neutral","sentiment_score":-0.12011715273062389},{"text":"A little bit, but I would rather wait for the next performance review to to get another figure.","start":1165.7101,"end":1170.3501,"sentiment":"neutral","sentiment_score":-0.2626013143195046},{"text":"There's no point in changing it now when it will change again.","start":1170.3501,"end":1172.8501,"sentiment":"negative","sentiment_score":-0.38046850139896077}],"sentiment":"neutral","sentiment_score":-0.29250900402213587,"channel":1,"num_words":33,"start":1164.75,"end":1172.8501},{"sentences":[{"text":"Yeah.","start":1173.48,"end":1173.8,"sentiment":"neutral","sentiment_score":0.06237900257110596},{"text":"That's okay.","start":1173.8,"end":1174.44,"sentiment":"neutral","sentiment_score":0.16345276683568954},{"text":"That's not a problem at all.","start":1174.44,"end":1175.64,"sentiment":"neutral","sentiment_score":0.23698579519987106},{"text":"So at the moment, you've got the income protection covering you for a monthly benefit of 5,121.","start":1175.64,"end":1182.505,"sentiment":"neutral","sentiment_score":0.20931807686300838},{"text":"You've got a ninety day wait and a five year benefit.","start":1182.725,"end":1185.145,"sentiment":"neutral","sentiment_score":0.17826182598417456}],"sentiment":"neutral","sentiment_score":0.1981212621605074,"channel":0,"num_words":37,"start":1173.48,"end":1185.145},{"sentences":[{"text":"If at any point you decide you wanted to reassess that, let me know.","start":1185.365,"end":1189.145,"sentiment":"neutral","sentiment_score":0.09937692619860172},{"text":"Alternatively, you can always let me know once you've had a new performance review with regard to your income.","start":1189.6799,"end":1194.3999,"sentiment":"neutral","sentiment_score":0.15144728790772588},{"text":"And if it goes up, then we can always come back and review that.","start":1194.3999,"end":1196.96,"sentiment":"neutral","sentiment_score":0.1602872328034469},{"text":"That's absolutely fine.","start":1196.96,"end":1198.26,"sentiment":"positive","sentiment_score":0.4453481336434682},{"text":"And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals.","start":1198.88,"end":1215.645,"sentiment":"neutral","sentiment_score":0.21373406946659088}],"sentiment":"neutral","sentiment_score":0.18905700532638509,"channel":0,"num_words":115,"start":1185.365,"end":1215.645},{"sentences":[{"text":"Okay?","start":1215.785,"end":1216.285,"sentiment":"neutral","sentiment_score":0.12283054739236832}],"sentiment":"neutral","sentiment_score":0.12283054739236832,"channel":0,"num_words":1,"start":1215.785,"end":1216.285},{"sentences":[{"text":"Yes.","start":1216.78,"end":1217.1,"sentiment":"neutral","sentiment_score":0.15506403148174286},{"text":"Yes.","start":1217.1,"end":1217.3401,"sentiment":"neutral","sentiment_score":0.176019087433815},{"text":"Yes.","start":1217.3401,"end":1217.8401,"sentiment":"neutral","sentiment_score":0.21304677426815033}],"sentiment":"neutral","sentiment_score":0.18137663106123605,"channel":1,"num_words":3,"start":1216.78,"end":1217.8401},{"sentences":[{"text":"Yeah.","start":1218.2,"end":1218.44,"sentiment":"positive","sentiment_score":0.35203245282173157},{"text":"Beautiful.","start":1218.44,"end":1218.94,"sentiment":"positive","sentiment_score":0.5959978103637695},{"text":"But I've also got those summaries with the up with the information we had on the in in the insurances in that email for you to review there as well.","start":1219.1599,"end":1226.84,"sentiment":"neutral","sentiment_score":0.25018282495439054},{"text":"If you find you have any questions in relation to any of it, you're welcome to let me know.","start":1226.84,"end":1231.2599,"sentiment":"neutral","sentiment_score":0.1568431689551002},{"text":"Okay?","start":1231.32,"end":1231.82,"sentiment":"neutral","sentiment_score":0.2507013976573944}],"sentiment":"neutral","sentiment_score":0.2246968580696445,"channel":0,"num_words":52,"start":1218.2,"end":1231.82},{"sentences":[{"text":"Will do.","start":1233.6749,"end":1234.495,"sentiment":"positive","sentiment_score":0.33671213686466217}],"sentiment":"positive","sentiment_score":0.33671213686466217,"channel":1,"num_words":2,"start":1233.6749,"end":1234.495},{"sentences":[{"text":"All good.","start":1234.9751,"end":1235.7151,"sentiment":"positive","sentiment_score":0.5861070156097412},{"text":"The other thing I just wanted to sort of touch base on, obviously, you're in that growth sort of environment there.","start":1235.775,"end":1240.495,"sentiment":"neutral","sentiment_score":0.04537567017333848},{"text":"Normally, a growth portfolio encompasses about 80% in those growth investments.","start":1240.495,"end":1244.8351,"sentiment":"neutral","sentiment_score":0.02756613806228746},{"text":"So we tend to look at Australian international shares, generally some gold and silver and things like that in there as well as your growth investments.","start":1244.9751,"end":1252.37,"sentiment":"neutral","sentiment_score":0.023638889050254457},{"text":"Did you wanna kind of reevaluate the risk level you're taking, or are you comfortable staying in that growth environment for the time being?","start":1252.51,"end":1259.65,"sentiment":"neutral","sentiment_score":-0.06796512310393155}],"sentiment":"neutral","sentiment_score":0.016806890289964422,"channel":0,"num_words":84,"start":1234.9751,"end":1259.65},{"sentences":[{"text":"Still still 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and it changes on an hour by hour basis at this time.","start":1358.64,"end":1362.88,"sentiment":"neutral","sentiment_score":-0.13061398919671774},{"text":"So yeah.","start":1362.88,"end":1363.86,"sentiment":"neutral","sentiment_score":0.013185376301407814}],"sentiment":"neutral","sentiment_score":-0.11463628191914824,"channel":0,"num_words":18,"start":1358.64,"end":1363.86},{"sentences":[{"text":"Yep.","start":1364.1799,"end":1364.6799,"sentiment":"neutral","sentiment_score":0.05628567188978195}],"sentiment":"neutral","sentiment_score":0.05628567188978195,"channel":1,"num_words":1,"start":1364.1799,"end":1364.6799},{"sentences":[{"text":"Yeah.","start":1365.8401,"end":1366.3401,"sentiment":"neutral","sentiment_score":0.058963146060705185},{"text":"No.","start":1366.64,"end":1366.9601,"sentiment":"neutral","sentiment_score":0.08315800130367279},{"text":"All good.","start":1366.9601,"end":1367.52,"sentiment":"neutral","sentiment_score":0.2397235855460167},{"text":"All good.","start":1367.52,"end":1368.135,"sentiment":"neutral","sentiment_score":0.3298191428184509},{"text":"Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at.","start":1368.375,"end":1372.6951,"sentiment":"neutral","sentiment_score":0.19288736446337265}],"sentiment":"neutral","sentiment_score":0.1973117365102683,"channel":0,"num_words":28,"start":1365.8401,"end":1372.6951},{"sentences":[{"text":"Let me know if you do happen to have any questions there.","start":1372.6951,"end":1375.115,"sentiment":"neutral","sentiment_score":0.13255036001404127},{"text":"You with your time horizon, your age and stage and everything, the growth portfolio still suits where you're at.","start":1375.575,"end":1380.535,"sentiment":"neutral","sentiment_score":0.15624246314952248},{"text":"I'm more than happy to keep you in that environment.","start":1380.535,"end":1382.555,"sentiment":"positive","sentiment_score":0.5797462493181229},{"text":"If you find you are uncomfortable, wanna have a look at things, let me know.","start":1383.25,"end":1386.53,"sentiment":"neutral","sentiment_score":-0.12550295740365983},{"text":"I'm more than happy to do so.","start":1386.53,"end":1388.15,"sentiment":"neutral","sentiment_score":0.3112652152776718}],"sentiment":"neutral","sentiment_score":0.16909501204888025,"channel":0,"num_words":63,"start":1372.6951,"end":1388.15},{"sentences":[{"text":"I'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line.","start":1388.53,"end":1394.53,"sentiment":"neutral","sentiment_score":0.12331605537070169},{"text":"I'll see if we need to maybe rebalance anything or if there's any maybe ethical areas that we haven't sort of touched on that we might be able to update your portfolio to.","start":1394.53,"end":1403.495,"sentiment":"neutral","sentiment_score":0.015870903844408916},{"text":"But I'll consider, obviously, taxation consequences 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okay?","start":1428.2151,"end":1429.115,"sentiment":"neutral","sentiment_score":0.17413501938184103}],"sentiment":"neutral","sentiment_score":0.20066852710748972,"channel":0,"num_words":19,"start":1424.8999,"end":1429.115},{"sentences":[{"text":"Perfect.","start":1429.855,"end":1430.255,"sentiment":"positive","sentiment_score":0.5706910490989685},{"text":"Thank you.","start":1430.255,"end":1430.995,"sentiment":"positive","sentiment_score":0.5560690462589264}],"sentiment":"positive","sentiment_score":0.5609430472056071,"channel":1,"num_words":3,"start":1429.855,"end":1430.995},{"sentences":[{"text":"Yeah.","start":1430.935,"end":1431.415,"sentiment":"neutral","sentiment_score":0.2127295434474945},{"text":"That's okay.","start":1431.415,"end":1432.135,"sentiment":"neutral","sentiment_score":0.21461167931556702},{"text":"Not a problem at all.","start":1432.135,"end":1433.595,"sentiment":"neutral","sentiment_score":0.24573622345924379},{"text":"As part of, obviously, the annual review, we are sending out the ongoing service agreement for you.","start":1433.895,"end":1438.375,"sentiment":"neutral","sentiment_score":0.15679206830613754},{"text":"So you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there.","start":1438.375,"end":1445.39,"sentiment":"neutral","sentiment_score":0.18722495436668396}],"sentiment":"neutral","sentiment_score":0.1843344607949257,"channel":0,"num_words":50,"start":1430.935,"end":1445.39},{"sentences":[{"text":"It is 1.65% per annum.","start":1445.39,"end":1447.89,"sentiment":"neutral","sentiment_score":0.0680132620036602},{"text":"That is a yearly figure, so it is as a percentage base fee, does fluctuate with the market.","start":1448.59,"end":1454.03,"sentiment":"neutral","sentiment_score":-0.011110867166684734},{"text":"So the idea of that is when the market's doing really well, when your portfolio has got a great return, then our fee does increase with 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us?","start":1467.505,"end":1472.3999,"sentiment":"neutral","sentiment_score":-0.0012060977104637357}],"sentiment":"neutral","sentiment_score":0.008152826734393546,"channel":0,"num_words":103,"start":1445.39,"end":1472.3999},{"sentences":[{"text":"Or","start":1472.3999,"end":1472.88,"sentiment":"neutral","sentiment_score":-0.02112850733101368}],"sentiment":"neutral","sentiment_score":-0.02112850733101368,"channel":0,"num_words":1,"start":1472.3999,"end":1472.88},{"sentences":[{"text":"No.","start":1473.57,"end":1473.89,"sentiment":"neutral","sentiment_score":-0.1069745123386383},{"text":"That's fine.","start":1473.89,"end":1474.71,"sentiment":"neutral","sentiment_score":-0.0205081170424819}],"sentiment":"neutral","sentiment_score":-0.04933024880786737,"channel":1,"num_words":3,"start":1473.57,"end":1474.71},{"sentences":[{"text":"No.","start":1474.7999,"end":1475.2999,"sentiment":"neutral","sentiment_score":0.003873612731695175},{"text":"That's 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there.","start":1812.1901,"end":1814.8301,"sentiment":"neutral","sentiment_score":0.038638451136648655},{"text":"Yeah.","start":1814.8301,"end":1815.3301,"sentiment":"neutral","sentiment_score":0.0733414888381958}],"sentiment":"neutral","sentiment_score":0.04179327274588021,"channel":1,"num_words":11,"start":1812.1901,"end":1815.3301},{"sentences":[{"text":"Yes.","start":1815.0,"end":1815.5,"sentiment":"neutral","sentiment_score":0.0849435031414032},{"text":"Yeah.","start":1815.7201,"end":1816.2001,"sentiment":"neutral","sentiment_score":0.12386808544397354},{"text":"Perfect.","start":1816.2001,"end":1816.7001,"sentiment":"neutral","sentiment_score":0.22931435704231265},{"text":"No.","start":1817.0,"end":1817.4,"sentiment":"neutral","sentiment_score":0.09556250274181366},{"text":"Excellent.","start":1817.4,"end":1817.9,"sentiment":"neutral","sentiment_score":0.24943552911281583}],"sentiment":"neutral","sentiment_score":0.15662479549646377,"channel":0,"num_words":5,"start":1815.0,"end":1817.9},{"sentences":[{"text":"All good.","start":1818.12,"end":1818.9401,"sentiment":"neutral","sentiment_score":0.25862453877925873},{"text":"Well, that's everything that I needed to touch base on.","start":1819.2401,"end":1821.4,"sentiment":"neutral","sentiment_score":0.21685430854558946},{"text":"I know you're extremely busy, so I will let you go.","start":1821.4,"end":1823.7201,"sentiment":"neutral","sentiment_score":0.053413070060990074},{"text":"I'll get the annual review pack out to you very shortly, and I'll start the research on things for you.","start":1823.7201,"end":1828.055,"sentiment":"neutral","sentiment_score":0.1519719565170817},{"text":"In the meantime, if there's anything else that you do need, please let me know, and I'll definitely look to do a bit of a catch up with you.","start":1828.515,"end":1834.275,"sentiment":"neutral","sentiment_score":0.11399572683048659}],"sentiment":"neutral","sentiment_score":0.13359237697376455,"channel":0,"num_words":72,"start":1818.12,"end":1834.275},{"sentences":[{"text":"Is three months okay, or did you wanna catch up at any specific time of the year this year?","start":1834.275,"end":1838.675,"sentiment":"neutral","sentiment_score":0.017383481032754246},{"text":"Or","start":1838.675,"end":1839.175,"sentiment":"neutral","sentiment_score":0.007466651499271393}],"sentiment":"neutral","sentiment_score":0.0168876395560801,"channel":0,"num_words":20,"start":1834.275,"end":1839.175},{"sentences":[{"text":"Three months is fine.","start":1840.93,"end":1842.15,"sentiment":"neutral","sentiment_score":0.00846516015008092}],"sentiment":"neutral","sentiment_score":0.00846516015008092,"channel":1,"num_words":4,"start":1840.93,"end":1842.15},{"sentences":[{"text":"three months is fine.","start":1842.5,"end":1843.54,"sentiment":"neutral","sentiment_score":0.06295047327876091},{"text":"Beautiful.","start":1843.54,"end":1844.04,"sentiment":"positive","sentiment_score":0.7600722312927246},{"text":"Lovely.","start":1845.54,"end":1846.04,"sentiment":"positive","sentiment_score":0.8239043354988098},{"text":"All good.","start":1846.26,"end":1846.74,"sentiment":"positive","sentiment_score":0.7517722249031067},{"text":"Well, thank you so much.","start":1846.74,"end":1847.62,"sentiment":"positive","sentiment_score":0.7955244541168213}],"sentiment":"positive","sentiment_score":0.5628419369459152,"channel":0,"num_words":13,"start":1842.5,"end":1847.62},{"sentences":[{"text":"I hope you have a good day.","start":1847.62,"end":1848.9,"sentiment":"positive","sentiment_score":0.7396815930094037},{"text":"I hope things get a bit better for you.","start":1848.9,"end":1851.0801,"sentiment":"positive","sentiment_score":0.6032251119613647},{"text":"And, yeah, August, I'll do research and get that annual review pack out to you very shortly.","start":1851.2201,"end":1855.065,"sentiment":"positive","sentiment_score":0.34744132353978996},{"text":"Okay?","start":1855.065,"end":1855.565,"sentiment":"neutral","sentiment_score":0.14628000557422638}],"sentiment":"positive","sentiment_score":0.4899876371902578,"channel":0,"num_words":34,"start":1847.62,"end":1855.565},{"sentences":[{"text":"Okay.","start":1856.395,"end":1856.7151,"sentiment":"neutral","sentiment_score":0.29965564608573914},{"text":"Thank you.","start":1856.7151,"end":1857.3689,"sentiment":"positive","sentiment_score":0.7216443717479706}],"sentiment":"positive","sentiment_score":0.5809814631938934,"channel":1,"num_words":3,"start":1856.395,"end":1857.3689},{"sentences":[{"text":"My pleasure, Anthony.","start":1857.945,"end":1858.985,"sentiment":"positive","sentiment_score":0.8108891844749451},{"text":"I hope you have a great day, and thank you so much for calling back.","start":1858.985,"end":1861.725,"sentiment":"positive","sentiment_score":0.8419718941052755}],"sentiment":"positive","sentiment_score":0.8367914425002204,"channel":0,"num_words":18,"start":1857.945,"end":1861.725},{"sentences":[{"text":"You too.","start":1862.3289,"end":1863.1289,"sentiment":"positive","sentiment_score":0.63249072432518},{"text":"Cheers.","start":1863.1289,"end":1863.3689,"sentiment":"positive","sentiment_score":0.6290712356567383},{"text":"Cheers.","start":1863.3689,"end":1863.7689,"sentiment":"positive","sentiment_score":0.4880675673484802},{"text":"Bye.","start":1863.7689,"end":1864.2689,"sentiment":"positive","sentiment_score":0.3471197485923767}],"sentiment":"positive","sentiment_score":0.5458480000495911,"channel":1,"num_words":5,"start":1862.3289,"end":1864.2689},{"sentences":[{"text":"Thanks.","start":1864.345,"end":1864.6649,"sentiment":"positive","sentiment_score":0.5910093784332275},{"text":"See you later.","start":1864.6649,"end":1865.465,"sentiment":"positive","sentiment_score":0.4811188578605652},{"text":"Bye.","start":1865.465,"end":1865.965,"sentiment":"neutral","sentiment_score":0.24398639798164368}],"sentiment":"positive","sentiment_score":0.4556704699993134,"channel":0,"num_words":5,"start":1864.345,"end":1865.965},{"sentences":[{"text":"Gotcha.","start":1866.4089,"end":1866.9089,"sentiment":"neutral","sentiment_score":-0.11255842447280884}],"sentiment":"neutral","sentiment_score":-0.11255842447280884,"channel":1,"num_words":1,"start":1866.4089,"end":1866.9089}]},"summary":{"result":"success","short":"The representative apologizes for missing a call and discusses the volatility of the market due to the coronavirus pandemic. They explain that the negative returns on some portfolios are still positive, but the positive return is due to the lack of positive returns. The speaker suggests selling certain investments and updating advisers if needed. They also discuss the growth of the portfolio and the lack of volatility in their returns. The agent updates the customer's assets and provides information on fees and fees for updating the portfolio. The agent provides information on the value of the customer's car and their offset account and promises to provide an annual review pack and follow up with the customer."},"intents":{"segments":[{"text":"One day, I'm gonna retire early and kiss KPMG goodbye. Oh, really?","start_word":22,"end_word":33,"intents":[{"intent":"Retire early","confidence_score":0.070887096}]},{"text":"I just had you booked in for your annual review. Is now still a good time to run through things with you? Yep.","start_word":73,"end_word":95,"intents":[{"intent":"Run through things","confidence_score":0.27030814},{"intent":"Attend annual review","confidence_score":0.009630459}]},{"text":"As part of your review, is there anything sort of particularly you wanted to touch base on?","start_word":102,"end_word":118,"intents":[{"intent":"Touch base on questions","confidence_score":0.20153454}]},{"text":"We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates. So it's kinda hitting us on two fronts at the moment.","start_word":248,"end_word":278,"intents":[{"intent":"Address volatility","confidence_score":0.061817117}]},{"text":"But your portfolio is actually performing better than a lot of those unethical portfolios at the moment.","start_word":594,"end_word":610,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.054075878}]},{"text":"But then since then, we've seen the volatility with some some dips.","start_word":761,"end_word":772,"intents":[{"intent":"Analyze volatility","confidence_score":0.056157738}]},{"text":"If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile.","start_word":1100,"end_word":1125,"intents":[{"intent":"Analyze market changes","confidence_score":0.028788047}]},{"text":"So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down.","start_word":1489,"end_word":1512,"intents":[{"intent":"Analyze cybersecurity","confidence_score":0.0042413655}]},{"text":"I did do a comparison for you. So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally.","start_word":2062,"end_word":2096,"intents":[{"intent":"Compare investments","confidence_score":0.04920743}]},{"text":"The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better. It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone through.","start_word":2286,"end_word":2326,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.04518011}]},{"text":"As you said, these are long term investments. We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to. Does that sound okay?","start_word":2591,"end_word":2653,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.5272336}]},{"text":"What I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio.","start_word":3168,"end_word":3201,"intents":[{"intent":"Assess portfolio effectiveness","confidence_score":0.027693762}]},{"text":"If there is anything, I can always update the advice to reflect that for you.","start_word":3300,"end_word":3314,"intents":[{"intent":"Update advice","confidence_score":0.57039696}]},{"text":"Is there any other questions you had in relation to the portfolio or your super? Or Nope.","start_word":3382,"end_word":3398,"intents":[{"intent":"Review portfolio","confidence_score":0.16227745}]},{"text":"We obviously do hold your tax phone number. We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold.","start_word":3476,"end_word":3503,"intents":[{"intent":"Verify information","confidence_score":0.000059889746}]},{"text":"And I'm not sure if they cover and protect it. But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet. And so what what the new stuff will Oh, be yet, gosh. it's coming soon. And Okay. and I do have a separate insurance. What was it? Life insurance, was it?","start_word":3646,"end_word":3710,"intents":[{"intent":"Clarify insurance coverage and policy","confidence_score":0.00006782139}]},{"text":"And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals. Okay? Yes.","start_word":3900,"end_word":3966,"intents":[{"intent":"Request review and update records","confidence_score":0.00095207733}]},{"text":"If you find you have any questions in relation to any of it, you're welcome to let me know. Okay? Will do.","start_word":4002,"end_word":4023,"intents":[{"intent":"Address concerns","confidence_score":0.36548454}]},{"text":"Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at.","start_word":4429,"end_word":4450,"intents":[{"intent":"Send annual review documents","confidence_score":0.058569975}]},{"text":"I'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line.","start_word":4514,"end_word":4540,"intents":[{"intent":"Research portfolio","confidence_score":0.23259154}]},{"text":"But if there is a reason to update the advice, I'll definitely do that for you. Is that okay? Perfect.","start_word":4640,"end_word":4659,"intents":[{"intent":"Update advice","confidence_score":0.18410553}]},{"text":"As part of, obviously, the annual review, we are sending out the ongoing service agreement for you. So you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there. It is 1.65% per annum.","start_word":4670,"end_word":4716,"intents":[{"intent":"Provide service fee","confidence_score":0.039529268}]},{"text":"Thank you so much for that. Is there any other changes to your assets? Have you added anything, any shares or collections or anything else of value that you'd wanna sorta note down?","start_word":5145,"end_word":5177,"intents":[{"intent":"Schedule asset changes","confidence_score":0.00003533789}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Dana. Hi. Sorry. I keep missing your call. That's okay, Anthony. You're having a busy day today. Yeah. One day, I'm gonna retire early and kiss KPMG goodbye. Oh, really? Sorry.","start_word":0,"end_word":34,"sentiment":"neutral","sentiment_score":0.05632023140788078},{"text":"You're having a a bad week.","start_word":35,"end_word":40,"sentiment":"negative","sentiment_score":-0.3760963976383209},{"text":"Oh, oh, Really? I'm sorry. I missed that. The phone just cut out. I do apologize. Bad month. Really? Oh, really? I'm so sorry to hear that. All good. Oh, well, look. I just had you booked in for your annual review. Is now still a good time to run through things with you? Yep. Yep. Yep.","start_word":41,"end_word":97,"sentiment":"neutral","sentiment_score":0.01426371280103922},{"text":"Yeah. Fantastic. All good.","start_word":98,"end_word":101,"sentiment":"positive","sentiment_score":0.5379810333251953},{"text":"As part of your review, is there anything sort of particularly you wanted to touch base on? I know looking is super is probably an important thing at the moment, but is there any other questions you might have for us at the moment? Or No other questions. Just my main thing is with the whole going on in the world, just hoping that I'm not missing out on maybe other investments or things I should be doing or not doing. Yep. Just sure that that's okay and that's it.","start_word":102,"end_word":191,"sentiment":"neutral","sentiment_score":0.07471431791782379},{"text":"It's appreciating in value as it's good, Yep.","start_word":192,"end_word":199,"sentiment":"positive","sentiment_score":0.45900392532348633},{"text":"you know, annually. Yep. I haven't really No. gone That in there or looked at it in a while. no. That's okay. And, honestly, it's probably a good thing at the at the moment with everything that is going on with what's happening with Iran and The US. We are seeing some heavy volatility at the moment, but also here in Australia, we have also higher inflationary rates. So it's kinda hitting us on two fronts at the moment. The higher Yes. inflation's been affecting things like bonds and fixed interest rates, but then also what's happening overseas is sort of affecting equity. So we have seen some extreme pretty high volatility for this year. I've kind of sent a couple of reports to have a bit of a look at things for you. So at the moment, when we have a look at your super, it is showing a little bit of a it's not a negative return.","start_word":200,"end_word":358,"sentiment":"neutral","sentiment_score":-0.07596066870591925},{"text":"So for the last twelve months, you are still up.","start_word":359,"end_word":368,"sentiment":"positive","sentiment_score":0.4884295463562012},{"text":"And when we look at the returns, we look at the internal rate of returns and not including your contributions, and it's after fees.","start_word":369,"end_word":392,"sentiment":"neutral","sentiment_score":0.2038675844669342},{"text":"It is less than 1%, so 0.4%, but it is still a positive return for the twelve months. So it is still good to see a positive even though we are seeing the volatility side of things.","start_word":393,"end_word":429,"sentiment":"positive","sentiment_score":0.46616673469543457},{"text":"And is that When I is kind that the of sorry. usual figure with other because I on my portfolio is a little bit, you know, Different. different to most Yes. because of it, trying to keep things Ethical. green and Yeah. But compared to somebody else who had a bit more traditional portfolio, what was their rate of return, not including contribution? Yeah. And that's a good question. So with other clients that may have unethical portfolios, some of them are still seeing good rates of returns when they're sort of investing in But we have also had a few that have had negative rates of returns over the last year as well. So for your portfolio, even though you are still green with an ethical environment, you do tend to see lower rates of returns than unethical portfolios because the market tends to most people and the market as a whole tend to reward unethical investments that see higher rates of return. But your portfolio is actually performing better than a lot of those unethical portfolios at the moment. Whilst you're still seeing that volatility, the fact that you've come up with a negative return even though it's less than 1% is still a positive a positive thing. I've done plenty of annual reviews this year where we've had negative returns.","start_word":430,"end_word":652,"sentiment":"neutral","sentiment_score":-0.06884334981441498},{"text":"So you've you've come up with a positive, which is good.","start_word":653,"end_word":663,"sentiment":"positive","sentiment_score":0.4083732068538666},{"text":"To kinda sort of see where things have been going, when I look at your portfolio as a whole, your best month was kind of up until October. From October is when we sort of see a lot of that volatility with what was happening. We had The US and China. We had interest rates rising as well, and then, obviously, this issue with Iran and The US, which has seen equity take a bit of a dip.","start_word":664,"end_word":741,"sentiment":"neutral","sentiment_score":0.034295390360057354},{"text":"So October was where your portfolio was generally at its highest, and you had some really great returns then.","start_word":742,"end_word":760,"sentiment":"positive","sentiment_score":0.4751870036125183},{"text":"But then since then, we've seen the volatility with some some dips. We've seen partial recovery points. And then from this year from January to generally about March, the thirtieth is where we've seen the biggest dips with what's been occurring with The US and Iran. And then in the last sort of two weeks from the April 1, we have seen a little bit of a recovery back in your portfolio there.","start_word":761,"end_word":833,"sentiment":"neutral","sentiment_score":0.11512991040945052},{"text":"So when I kind of look at the last last year as a whole or from, say, January to October, you've made about a 4.33% return there. So you were on track for a really good positive return from that point onwards.","start_word":834,"end_word":875,"sentiment":"positive","sentiment_score":0.41799023747444153},{"text":"Unfortunately, then we saw that volatility, which is where your portfolio has taken a bit of a dip down. From that point, you've dropped a fair bit.","start_word":876,"end_word":902,"sentiment":"negative","sentiment_score":-0.4607185125350952},{"text":"In the last two weeks from the first of of April 1, sorry, to now, you've actually seen a little bit of a recovery point. So your portfolio has come back by 2.37%, and yesterday, it made a 1% and a return as well.","start_word":903,"end_word":946,"sentiment":"neutral","sentiment_score":0.19419792294502256},{"text":"So we are seeing a bit of a recovery point, which is great, and that's all sort of coming to encompass, you know, with what we've seen in the last twelve months there, and that recovery is giving you a positive return for the last twelve months, which is what we wanna see.","start_word":947,"end_word":999,"sentiment":"positive","sentiment_score":0.4712883532047272},{"text":"But with where we are at the moment with what's happening, we are gonna see more volatility moving forward. When I look at the indicators, things like the fixed index, which tells us, you know, essentially what kind of market sentiment is or what kind of volatility can be expected over the next sort of month or so, that index is still showing up over 20%. So when you look at the VIX index, if you're looking at that and it's got a 20% or higher, it shows that over the next sort of month, you can expect volatility. If it goes down below that kind of 20%, then it sort of shows that sentiment is more stable and that market shouldn't be as volatile. That's basically from January onwards, it has been up over 20%, has been decreasing slowly. But it all comes down to what Trump does as well. So one day, you know, he says things are doing well.","start_word":1000,"end_word":1161,"sentiment":"neutral","sentiment_score":0.0026869934000488785},{"text":"We hear some good things about what's happening with Iran and the straight and everything, and, you know, the market increases slightly because investors have a bit more confidence in what they're doing.","start_word":1162,"end_word":1194,"sentiment":"positive","sentiment_score":0.4688654839992523},{"text":"And then the next day, he yells at someone's swears on social media and attacks another country or something, and then everyone sort of sells out again, and we see a bit more volatility there.","start_word":1195,"end_word":1229,"sentiment":"neutral","sentiment_score":-0.22713534533977509},{"text":"So there are a lot of unknowns at the moment.","start_word":1230,"end_word":1239,"sentiment":"negative","sentiment_score":-0.36026531457901},{"text":"We're kinda just working on day to day with what we can see. But, yeah, look, there was a point where you did have a bit of a negative return between sort of October to to now, and then from sort of the April 1 onwards, you've had a bit more of a positive comeback, which is giving you that positive return. So it is lower than what we'd like for the portfolio. But given that you are quite green and still coming up with a positive is a good sign, I would like to just sort of keep watching it to see what happens over the next kind of one to two to three months to see whether we need to make any changes or whether we're gonna see a bit of a recovery point there for you. Does that make sense? Do you have any other questions about Yes. that? It turned out. Yes. That's my question. Is is there specific components like certain EFT things in it? Sorry. ETFs in Yeah. it that are constantly dragging it down whilst others are going up. Like, is there some that we just have to let go or something like that? Something? Yeah. So when I have a look at it at the moment, I'm just going back to the other portfolio because I have a a stick in front of me. So two of your investments are showing a little bit of a negative at the moment. So cybersecurity as a whole has had a bit of a down point, has had a bit of a pullback, so hack is down.","start_word":1240,"end_word":1511,"sentiment":"neutral","sentiment_score":-0.019116135930423352},{"text":"It is still a good investment, though.","start_word":1512,"end_word":1518,"sentiment":"positive","sentiment_score":0.3952604830265045},{"text":"So whilst it is had a had a bit of a rough patch tech and cybersecurity as a whole, it is still a good investment. I wouldn't wanna sell that as of yet.","start_word":1519,"end_word":1551,"sentiment":"neutral","sentiment_score":0.118805393576622},{"text":"I think whilst it is down at the moment, it is showing that it can come out and show a positive return. I wanna see it come out and provide greater gain.","start_word":1552,"end_word":1583,"sentiment":"positive","sentiment_score":0.4161531627178192},{"text":"Whilst it's down at the moment, it's essentially discounted and your rate of return discounted rate. So when your contributions are going in, we still wanna buy into those downtimes and really take advantage of the discounted unit pricing for the investment. The other ones here, so, which is the beta shares all these sustainable ETF and the SE, which is another sustainable ETF that you've got in there. They're both showing down again, but, again, it's they were all showing positive up until kind of January this year, which is when everything sort of takes that really big dip down. So everything that is down is down because of the wider with what's happening in the wider in the wider world and with the equities as a whole.","start_word":1584,"end_word":1712,"sentiment":"neutral","sentiment_score":-0.02367335185408592},{"text":"It's not anything particular in the investment that's making it undervalued or making it a bad investment.","start_word":1713,"end_word":1729,"sentiment":"negative","sentiment_score":-0.33671295642852783},{"text":"Everything is still a positive investment.","start_word":1730,"end_word":1735,"sentiment":"positive","sentiment_score":0.4620392322540283},{"text":"It's just seeing that volatility because of the sell off, because Yeah. of Yeah. investor confidence being unknown and because of the volatility that we are seeing. So right now, there's nothing I would wanna take out of that portfolio.","start_word":1736,"end_word":1775,"sentiment":"neutral","sentiment_score":-0.13076448440551758},{"text":"I'm very hesitant about cementing losses right now.","start_word":1776,"end_word":1783,"sentiment":"negative","sentiment_score":-0.42638614773750305},{"text":"I'd like, Yes. Yes. right, I understand. to see them sit for a bit longer. Yeah. See if it can come out. We can definitely do another catch up maybe in, you know, two or three months and see how things are going. I obviously look at all these portfolios on a regular basis, spend a lot of my day sitting in front of so I've been talking to clients and doing advice and everything. I also have a lot of things on my computer, and I sit down and look at what's happening with the market and what's happening with the individual investors and sort of having a look at everything there as well.","start_word":1784,"end_word":1898,"sentiment":"neutral","sentiment_score":0.062059930687689266},{"text":"So right now, it's all all good.","start_word":1899,"end_word":1905,"sentiment":"positive","sentiment_score":0.5847283601760864},{"text":"Yeah. Does that sort of answer the questions a bit for you? Did you want me to No. break it No. down more for you? No. You answered the question, basically. That's okay. It's something that's having a a downward trend Yeah. even before this Yeah. couple. Yeah. And looks like no. It's just it seems to be fine. It's just Yep. it won't grow as big as other portfolios, but Yep. it seems to still be growing slowly. It's like Yep. much of a mess, and there's nothing particular thing that is Yeah. a current concern to pull away. If that's the case, I don't wanna don't wanna sell it because this is a long term thing and that Absolutely. kind of thing. Yeah. Yep. And you're still young. You've got a lot of time ahead of you there. And, I mean, we are seeing a lot more people going into the ethical environment there. I did do a comparison for you. So when I did, I did go back and have a look at Ethical Super as a whole because we did move you out of Ethical Super originally. Australian Ethical are also noting down, in their investments over the last one to three months. Essentially, their balance investment for the three months is down 3.2% for the last their growth investment's down 3.8 for the last three months. Their high growth is down 4.4 for the last three months, and their Australian and international shares are down 8.37.6%. So your portfolio has definitely well, it's still seeing that volatility has definitely still performed a bit better than the Australian ethical investments that we moved you out of. So I just wanted to make sure I had that comparison for you as well. Okay. Yeah. Yeah. So but then Sorry. here's the key I thought question. I lost you. Sorry. Here's the key question. Has my rate of return since I've left Ethical Super been the same or better over that that you know, the last couple of years compared to Ethical Super's rate of return? That's the interesting thing. Like, was it worthwhile Yeah. to move? Yeah. It absolutely has been worthwhile to move. They don't update their returns as regularly as what we can see here. The rates of returns that they give you are also gross, but, realistically, your portfolio has been performing better. It has definitely seen dips, but the dips you can sort of feel are less than what Ethical Super have gone through. So whilst your portfolio is still going through those ups and downs, it hasn't dropped as heavily as the as the investment within ethical super.","start_word":1906,"end_word":2351,"sentiment":"neutral","sentiment_score":-0.07357821051781004},{"text":"So it was definitely a good idea to move.","start_word":2352,"end_word":2360,"sentiment":"positive","sentiment_score":0.4430074691772461},{"text":"We're still watching things, and you've actually come out higher than what they've they've reported. So Yep. And and how do I how do I see a simple report or screenshot to compare the the two? we have to go back and we have to go back and look at their website to see what kind of what they've reported on. They report on gross returns. They also report. And, look, it's not a perfect comparison because they're reporting growth, and it's not in particular added to any particular portfolio. So someone in ethical super may not have forgot the exact return that we're reporting on, but they're reporting on essentially a gross return of what their portfolios have averaged, whereas the return I'm giving you is more clarified to your portfolio. It's not a perfect not a perfect sort of fit.","start_word":2361,"end_word":2502,"sentiment":"neutral","sentiment_score":-0.010648715309798716},{"text":"But, yeah, I like it. I'm happy with it. I think your portfolio has done really, really well. These investments have done great up until this point, and just going through this cycle and letting it come out on the other side and then seeing where we go from here would be a good idea.","start_word":2503,"end_word":2557,"sentiment":"positive","sentiment_score":0.47260335087776184},{"text":"Yeah. Yes. Hesitant to sell anything right now, I don't wanna cement losses for no particular reason. You are still really young, and you've got a lot of time ahead of you. As you said, these are long term investments. We're invested for the long term here, so we'll give it a bit more time to see if it's, you know, gonna come out and recover or what's gonna happen over the next few months, and then we can kind of always come back and reevaluate it if we need to. Does that sound okay? Yeah. Yeah.","start_word":2558,"end_word":2654,"sentiment":"neutral","sentiment_score":-0.012610400460430026},{"text":"Sounds good. Sounds good.","start_word":2655,"end_word":2658,"sentiment":"positive","sentiment_score":0.534919023513794},{"text":"Yep. Yep. So what would be that what what's the figure, you know, like, if I was comparing the figure, like, what what's the figure? So I'm I'm having, what, 2%, 3% annual return.","start_word":2659,"end_word":2692,"sentiment":"neutral","sentiment_score":0.10033316910266876},{"text":"Perfect.","start_word":2693,"end_word":2693,"sentiment":"positive","sentiment_score":0.5252761840820312},{"text":"What's that figure in the last six to twelve months? Well, last year for the calendar year up until October, you were trendy you were up that 4.33%. So you were on track for about a 6% return. In the Mhmm. growth portfolio that you're in, we're looking to try and obtain about a seven to 9% return. Yes. So anything under that sort of 7% is technically underperforming. Anything over that 9% is, you know, doing really, really well. The only thing that could be a little bit different with your portfolio is that you are more ethical. So ethical portfolios Yeah. tend to get a lower rate of return. So I've been looking when we're looking at that, we're looking at that over the longer term to averaging over, you know, the next one, two, three, ten years to see what that kind of averages out and sort of see where things are going.","start_word":2694,"end_word":2849,"sentiment":"neutral","sentiment_score":0.09191566705703735},{"text":"But right now, the fact that you've come out with a positive return over the last twelve months even with what we're doing is still a good sign. It is showing that your portfolio does recover. It does show good potential growth.","start_word":2850,"end_word":2891,"sentiment":"positive","sentiment_score":0.5938567519187927},{"text":"It does see those downtimes like every other investment out there. But the other thing to sort of remember is that 90% of market movements are just investors getting nervous with what they're seeing, what they're doing. Human beings are not rational creatures in any way, shape, or form, and I'm here to sort of stop you from making, you know, making changes to your portfolio based on, you know, the way we feel. Because 90 of, you know, buyers and sales are just emotional emotional reactions people feel.","start_word":2892,"end_word":2980,"sentiment":"neutral","sentiment_score":-0.26343373786867336},{"text":"They see something they don't like, and they go, oh, I've gotta get out before somebody else knocks me out.","start_word":2981,"end_word":3000,"sentiment":"negative","sentiment_score":-0.4910406470298767},{"text":"So it's a lot of it is just emotional human reaction to what what they're hearing and seeing and feeling in the market or in the news. So yeah. I agree with you, sir. I'm just asking the question, but I agree with you. So I'm not looking to anything. I That's just that's wanna okay. prompt to see that where that, you Yeah. know, there isn't anything particular that we haven't at an angle we haven't looked at. Yeah. Like, No. my like, That's my other okay. question would be, is there an ethical ETF or something that I don't have Mhmm.","start_word":3001,"end_word":3103,"sentiment":"neutral","sentiment_score":-0.10739102214574814},{"text":"or something that's almost ethical that I you know, I'm really stupid to not have.","start_word":3104,"end_word":3118,"sentiment":"negative","sentiment_score":-0.4998193681240082},{"text":"That's the next thing. Yeah. No. That's okay. So I've been having a bit of a look around. Majority of the investments I mean, you've got the good quality ones in here that we've got. I have seen a few others that we could maybe add into the portfolio. What I can do after the call, if you like, is it'll take me a little bit to do the research completely, but I can always go back and just maybe reevaluate the portfolio. I can double check that we don't, you know, see how your make sure your asset allocation is in line with that gross percentage correctly between all the investments there. I can have a bit of a look at maybe see if there's anything that we need to maybe add to kinda give it a bit of a boost, but also making sure that we're not, you know, cementing anything too drastic. We're not causing any big CDT consequences for your portfolio, that we're not, Yes. you know, cementing losses and causing a bit Yes. of a detriment. If there is anything, I can always update the advice to reflect that for you. If there's not, I can send you an email and go, hey. Look. This is kind of where we're tracking. We we don't really need to change anything right now. Let's come back and look at it down the track. Does that sound okay?","start_word":3119,"end_word":3358,"sentiment":"neutral","sentiment_score":0.026916376159836847},{"text":"Sounds perfect.","start_word":3359,"end_word":3360,"sentiment":"positive","sentiment_score":0.4333477914333343},{"text":"Yeah.","start_word":3361,"end_word":3361,"sentiment":"neutral","sentiment_score":0.3185386061668396},{"text":"Perfect. Excellent. So I'll go back and do that research. It's not a problem at all.","start_word":3362,"end_word":3377,"sentiment":"positive","sentiment_score":0.4465562701225281},{"text":"Okay?","start_word":3378,"end_word":3378,"sentiment":"neutral","sentiment_score":0.28349143266677856},{"text":"Sounds good. Excellent.","start_word":3379,"end_word":3381,"sentiment":"positive","sentiment_score":0.4233996868133545},{"text":"Is there any other questions you had in relation to the portfolio or your super? Or Nope. I think that's pretty much no? it. Oh, good. All good. After the call, I will send you an annual review pack as well, which does have some of the reports in there for you to have a bit of a look at. It's also got the financial services guide in there for us. It's also got a few additional documents attached. So one of the things we are getting updated is the tax file consent form. We obviously do hold your tax phone number. We wanna make sure everything is done nice and secure, that you're aware of the information that we do hold. So we are just setting a tax file consent updated to make you aware that we do hold that. With your insurances here, so we obviously retained your your Smart Monday for your life and CBD, and you've got your ClearView cover there as well with the income protection side of things. I just wanted to make sure they're all still appropriate for you. With Yes. the With the exception of it, there's a change, but I don't have okay. much details yet. KPMG has changed has changed their super from Smart Monday to host plus. Right. Right. So there could be a change in the income protection sorry. Life and CBD side of things? Yeah. So all the ones I get for free. Yep. So death cover what or is it the other one? Permanent Total term disability? Yeah. disability. And I'm not sure if they cover and protect it. But the thing is, I haven't I I have they I I create an account, but they don't even give me any information yet. And so what what the new stuff will Oh, be yet, gosh. it's coming soon. And Okay. and I do have a separate insurance. What was it? Life insurance, was it? I can't remember now. That's No. yes. Income protection. That's with Clearview. Yes. Yes. So I don't think KPMG covers income protection. So I think No. that's why I called it separately. That's correct. Yeah. That was to cover the income in the short term. The income protection was based on your income at the time of about 130,000. Has your income changed since we last caught up at all? A little bit. A little bit, but I would rather wait for the next performance review to to get another figure.","start_word":3382,"end_word":3800,"sentiment":"neutral","sentiment_score":0.006042659584975186},{"text":"There's no point in changing it now when it will change again.","start_word":3801,"end_word":3812,"sentiment":"negative","sentiment_score":-0.37533092498779297},{"text":"Yeah. That's okay. That's not a problem at all. So at the moment, you've got the income protection covering you for a monthly benefit of 5,121. You've got a ninety day wait and a five year benefit. If at any point you decide you wanted to reassess that, let me know. Alternatively, you can always let me know once you've had a new performance review with regard to your income. And if it goes up, then we can always come back and review that.","start_word":3813,"end_word":3896,"sentiment":"neutral","sentiment_score":0.16597948968410492},{"text":"That's absolutely fine.","start_word":3897,"end_word":3899,"sentiment":"positive","sentiment_score":0.4619067907333374},{"text":"And if when you do happen to get the information on the life and TBD, If you could let me know what that is, that'd be great just so we can kind of update all our records for you and just, you know, reevaluate the levels of cover you have just to make sure that the cover suits you and that it meets your goals. Okay? Yes. Yes. Yes.","start_word":3900,"end_word":3968,"sentiment":"neutral","sentiment_score":0.2051834613084793},{"text":"Yeah. Beautiful.","start_word":3969,"end_word":3970,"sentiment":"positive","sentiment_score":0.47401511669158936},{"text":"But I've also got those summaries with the up with the information we had on the in in the insurances in that email for you to review there as well. If you find you have any questions in relation to any of it, you're welcome to let me know. Okay?","start_word":3971,"end_word":4020,"sentiment":"neutral","sentiment_score":0.22301251888275148},{"text":"Will do. All good.","start_word":4021,"end_word":4024,"sentiment":"positive","sentiment_score":0.455166757106781},{"text":"The other thing I just wanted to sort of touch base on, obviously, you're in that growth sort of environment there. Normally, a growth portfolio encompasses about 80% in those growth investments. So we tend to look at Australian international shares, generally some gold and silver and things like that in there as well as your growth investments. Did you wanna kind of reevaluate the risk level you're taking, or are you comfortable staying in that growth environment for the time being? Still still okay. Still Still okay? working Yeah. for Beautiful. now. I went Yeah.","start_word":4025,"end_word":4120,"sentiment":"neutral","sentiment_score":0.013653244823217392},{"text":"from That's as a complete meltdown and becomes dictator.","start_word":4121,"end_word":4129,"sentiment":"negative","sentiment_score":-0.49908721446990967},{"text":"Will we be on the phone if that happens? I can tell you.","start_word":4130,"end_word":4142,"sentiment":"neutral","sentiment_score":-0.2740679681301117},{"text":"I think I will all be jumping up and down. Really hope that he just eats enough burgers and just gets a heart attack.","start_word":4143,"end_word":4166,"sentiment":"negative","sentiment_score":-0.4277918338775635},{"text":"Oh, I'm sorry. It's a little bit mean. No. But No. You it are fine. it You are fine.","start_word":4167,"end_word":4185,"sentiment":"neutral","sentiment_score":-0.18508534133434296},{"text":"been absolute absolute complete utter waste of space and Yep.","start_word":4186,"end_word":4195,"sentiment":"negative","sentiment_score":-0.6683524250984192},{"text":"politically, just just the the just the you know, remember they used to talk about the sanctity of the office of the president? Yep. You know, Yep. Yep. talk about that, about, you know, you gotta be careful and, you know, you shouldn't be criticizing because you have to be careful and sort of like, Yep. that has never been mentioned in the last couple of years if you've noticed. No. No. Oh, yeah. No. I completely understand what you're saying. It's yeah. I don't disagree in any way, shape, or form, so don't worry. It's all good.","start_word":4196,"end_word":4293,"sentiment":"neutral","sentiment_score":-0.08460928499698639},{"text":"It's it's pretty difficult to sort of look at what we're doing.","start_word":4294,"end_word":4305,"sentiment":"negative","sentiment_score":-0.3340679109096527},{"text":"I know the other couple of weeks back, we did sort of sit back down and have a chat with some of the economists that we do have access to. And, like, even they're saying, you know, we don't really know what's gonna happen. It's kind of a week by week scenario. The only thing they're sort of expecting is the inflation to keep growing. But when it comes to the the war and what's happening between The US and Iran and everything there, it's there's there's no one can determine what's going to happen. It's too unknown. There's too many variables, and it changes on an hour by hour basis at this time. So yeah. Yep. Yeah. No. All good. All good. Well, they what I'll do is I'll send through the annual review documents for you to have a really good look at. Let me know if you do happen to have any questions there. You with your time horizon, your age and stage and everything, the growth portfolio still suits where you're at.","start_word":4306,"end_word":4481,"sentiment":"neutral","sentiment_score":-0.027378645725548267},{"text":"I'm more than happy to keep you in that environment.","start_word":4482,"end_word":4491,"sentiment":"positive","sentiment_score":0.5559298396110535},{"text":"If you find you are uncomfortable, wanna have a look at things, let me know. I'm more than happy to do so. I'll go back and do a bit of research around your portfolio, just have a look at the asset allocation to make sure that you're in line. I'll see if we need to maybe rebalance anything or if there's any maybe ethical areas that we haven't sort of touched on that we might be able to update your portfolio to. But I'll consider, obviously, taxation consequences there for your super as well, and also make sure that we're not, you know, overly overly cementing unnecessary gains or losses. If there is any reason to not change, I'll just shoot you an email and let you know that we've done the research. Saying where you are is fine for the moment just so you're aware either way. But if there is a reason to update the advice, I'll definitely do that for you. Is that okay?","start_word":4492,"end_word":4658,"sentiment":"neutral","sentiment_score":0.049377430230379105},{"text":"Perfect. Thank you.","start_word":4659,"end_word":4661,"sentiment":"positive","sentiment_score":0.5511938333511353},{"text":"Yeah. That's okay. Not a problem at all. As part of, obviously, the annual review, we are sending out the ongoing service agreement for you. So you do pay an ongoing service fee for having us look after your super, provide the advice, and monitor and look after everything there. It is 1.65% per annum. That is a yearly figure, so it is as a percentage base fee, does fluctuate with the market. So the idea of that is when the market's doing really well, when your portfolio has got a great return, then our fee does increase with it. However, when the market takes a bit of a dip due to what we're seeing at the moment, it means that our fee does take a bit of a dip there with it as well. But do you have any questions around how the fee works or anything else with regard to us? Or No. That's fine. No. That's okay.","start_word":4662,"end_word":4821,"sentiment":"neutral","sentiment_score":0.06529929587850347},{"text":"Perfect.","start_word":4822,"end_word":4822,"sentiment":"positive","sentiment_score":0.6431287527084351},{"text":"Is there anything else that you wanted me to sort of touch base on? Is there any major changes to your life over the last twelve months at all? Or no. That's okay. I'll just quickly update your assets as well. Your main primary residence there, Anthony, the sorry. The value we have was about 450,000. Would you change that at all? For my property? Yeah. At this stage, no. But there is a there is a unit being sold through next to me that has been renovated, and it's similar to the value of my place. Property is a bit Yep. more than mine for he has got more Yep. car park space than I do. Okay. I'll let you know Yep. where how much it sells, and if I really think I should purchase. Yeah. No. That's okay. Not a problem at all. Loan value, we had you owed about 220,000. Have you been able to decrease that loan at all? Oh, yes. The Yeah. current What? balance is just give me a moment. You're right. The current balance is $169,085. So $1.06 $9.00 $8.05. Yep.","start_word":4823,"end_word":5010,"sentiment":"neutral","sentiment_score":0.02545953169465065},{"text":"Perfect. Thank you so much for that.","start_word":5011,"end_word":5017,"sentiment":"positive","sentiment_score":0.517874002456665},{"text":"Motor vehicle current asset sorry. Asset value is about 30,000. Would you alter or change that in any way, shape, or form? Let's leave it to that for now. Yep. Perfect. And your loan on the motor vehicle was about 17,000. Has that decreased a bit as well? Yeah. I I don't have the figure in front of me. Let's That's pull a okay. random thing over what? 12,000? Yep.","start_word":5018,"end_word":5087,"sentiment":"neutral","sentiment_score":0.004684090469631233},{"text":"Perfect. Fantastic.","start_word":5088,"end_word":5089,"sentiment":"positive","sentiment_score":0.6145058870315552},{"text":"An offset account had about 44,008 hun sorry. 44,580 in there. Have you increased what's in the offset account a little bit? No. The offset account is much lower, Yep. but also because I've moved some money the extra into the actual loan itself. So Yeah. Yep. my offset account is now 16900. 16900.","start_word":5090,"end_word":5143,"sentiment":"neutral","sentiment_score":0.03641331195831299},{"text":"Beautiful. Thank you so much for that.","start_word":5144,"end_word":5150,"sentiment":"positive","sentiment_score":0.629827618598938},{"text":"Is there any other changes to your assets? Have you added anything, any shares or collections or anything else of value that you'd wanna sorta note down? Oh, actually, I do have some shares Yep. with Yep. by TMC Invest. It's TMC. Yep. Perfect. What's the value of those? If you're not sure, that's okay. Yeah. I can tell you. Just just give me a moment. Yeah. That's okay. But when you say value, do you mean just of the Just shares? Because there is a little bit of cash, like money I've transferred, but I haven't purchased shares yet with So Yeah. do That's you want okay. the total What's the total value? Yeah. So the total value of the portfolio, so that is accounting for the losses Yep. and whatever available cash is there is $861.","start_word":5151,"end_word":5288,"sentiment":"neutral","sentiment_score":0.04046625271439552},{"text":"Beautiful. Thank you so much for that. Excellent.","start_word":5289,"end_word":5296,"sentiment":"positive","sentiment_score":0.5111681222915649},{"text":"Other than that, have you I'm just looking at the estate planning side of things as well. We don't sort of have any updates there. Have you got a will? Have you ever had a will and power of attorney drawn up? I have a will Yep. and Perfect. just a will. Just a will No so power no power of attorney, of attorney? no medical thing, just a will. Yep. Yep. That's okay. Beautiful. On your super, I've got your your beneficiary noted as your legal personal representative. So noting that Perfect. in the event of passing, it all goes through to your will. That's still how you want that to be noted. Yes. That was the advice I Yep. was given, but the best way to do it. Yeah. Yeah. Absolutely. Absolutely. And any changes to, like, your marital status? I've got you down as still single. Well, I'm not married, and I don't live with somebody, but I am dating someone. So that's new.","start_word":5297,"end_word":5463,"sentiment":"neutral","sentiment_score":0.0563712754917002},{"text":"Beautiful. Beautiful.","start_word":5464,"end_word":5465,"sentiment":"positive","sentiment_score":0.5856163501739502},{"text":"I have your next of kin noted as Sam Gagliano. Yep. Yep.","start_word":5466,"end_word":5477,"sentiment":"neutral","sentiment_score":0.21837468445301056},{"text":"Beautiful.","start_word":5478,"end_word":5478,"sentiment":"positive","sentiment_score":0.434844046831131},{"text":"Did you want is your next of kin still appropriate for your circumstance? You're still happy to keep Sam as your next of kin? Yes. Yep.","start_word":5479,"end_word":5504,"sentiment":"neutral","sentiment_score":0.20949704945087433},{"text":"Beautiful. Lovely. Excellent.","start_word":5505,"end_word":5507,"sentiment":"positive","sentiment_score":0.5943053364753723},{"text":"And any other additional goals over the next So sort my of is sorry. my brother, my oldest brother. Okay. Sorry about Yep. that. But Sorry my mom about is that. still Yep. around. I think, technically, Okay. we're next to King, but she's she's very probably unable to handle all this stuff. Yeah. Yeah. I That's hope it's okay. I'm gonna put in my brother. Yeah. No. That's absolutely fine. It's not a problem at all.","start_word":5508,"end_word":5584,"sentiment":"neutral","sentiment_score":-0.03215934336185455},{"text":"Excellent.","start_word":5585,"end_word":5585,"sentiment":"positive","sentiment_score":0.4310791492462158},{"text":"And do you have any other goals that you're looking to achieve over the next twelve months at all? Or Got a hold, which is not go what on you a wanna holiday? hear because I don't wanna spend money. Right? But, no. I don't have any other financial support, Yeah. really. No. That's that's okay. Just Have just pay you off got my home a hold loan. Just keep, yeah, just keep paying off my home loan anyway. yes.","start_word":5586,"end_word":5665,"sentiment":"neutral","sentiment_score":-0.01326480321586132},{"text":"Beautiful. Beautiful.","start_word":5666,"end_word":5667,"sentiment":"positive","sentiment_score":0.3427901268005371},{"text":"Have you got any plans for a holiday so far, or you're just looking wanting to go on one? There will be little ones coming up here and there. Yeah. Yes. Yeah. Perfect. No. Excellent. All good. Well, that's everything that I needed to touch base on. I know you're extremely busy, so I will let you go. I'll get the annual review pack out to you very shortly, and I'll start the research on things for you. In the meantime, if there's anything else that you do need, please let me know, and I'll definitely look to do a bit of a catch up with you. Is three months okay, or did you wanna catch up at any specific time of the year this year? Or Three months is fine. three months is fine.","start_word":5668,"end_word":5802,"sentiment":"neutral","sentiment_score":0.1066416687435574},{"text":"Beautiful. Lovely. All good. Well, thank you so much. I hope you have a good day. I hope things get a bit better for you.","start_word":5803,"end_word":5827,"sentiment":"positive","sentiment_score":0.7115437388420105},{"text":"And, yeah, August, I'll do research and get that annual review pack out to you very shortly. Okay? Okay.","start_word":5828,"end_word":5846,"sentiment":"neutral","sentiment_score":0.3114369511604309},{"text":"Thank you. My pleasure, Anthony. I hope you have a great day, and thank you so much for calling back. You too. Cheers. Cheers. Bye. Thanks. See you later.","start_word":5847,"end_word":5875,"sentiment":"positive","sentiment_score":0.6977766156196594},{"text":"Bye. Gotcha.","start_word":5876,"end_word":5877,"sentiment":"neutral","sentiment_score":0.19498376548290253}],"average":{"sentiment":"neutral","sentiment_score":0.036309305317177326}}}}