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How's your week been? Yeah. It's good. Busy is where I like it, though. Oh oh, good. Paul, before we get into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. Beautiful. And just to do security there with you as well, we are discussing your personal information. So to get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Beautiful. Thank you so much for that. Paul, I had you booked in for a bit of a catch up. The team let me know you wanted to have a bit of a chat about your investments. How can I help? Just so yeah. You're right. Yeah. Yeah. Yeah. Absolutely. No. Not a problem at all. I had a quick look at the report to see what was sorta happening. So over the last twelve months there, you have gained a positive return of about 7.1 sorry. 7.51, so you have 24, which is a good solid return because there are no contributions going into there. Everything is into the ART fund. So that is just what the portfolio has done, which is fantastic. As a dollar figure because some people prefer a dollar figure over a percentage, but it shows the total earnings for the growth and the income within the portfolio for the last twelve months is 36,652. So it has done very well. When when what's that? The growth? That's in the last 12, so that's not total over the course of since inception. From inception, it's up total earnings is 83,768. So you're up over 18.81% since onboarding back in 2024. So it's essentially giving you a compounded return over the last two years of about bit over 9% there. And in a high growth portfolio, that's essentially what you're looking for. We're looking for an average return of around about an eight to 10%. So 9% each year is within that. Admittedly, with the volatility, we do see things are going up and down. Whilst you've had a good positive return for this year, there is one investment in there that's been along Australian equities, which has had a bit of volatility over the last couple of months and had a bit of a pullback at the end of last year too due to some underlying issues with their underlying investments. Once we sort of made notification of that, our investment committee's had a bit of a meeting. We do wanna remove you out of that Benelon Australian Equities. So I do would would like to go back, have a look at what you've got in the portfolio, maybe look at what might be performing a bit better, you know, history wise, and see if there's some ways to shuffle some things around for you. You're comfortable with me looking at that? Yeah. Perfect. Lovely. Well, I'll definitely have a look. Yeah. Well, having a bit of a look in the ART fund at the moment, they have and their disclosures are a bit behind as of the January 31. Their high growth pool is well, they're saying 7.75%. They're giving you a gross so a gross return, so before fees, and this is looking at the average of what that portfolio has returned. So it's not specific to your account. The main sort of advantage to the one that we're giving you with hub twenty four is that is up to date. It's up until the twenty fourth. So as of this morning, for the last twelve months there, it's also a net return, so after factoring in fees. So if you've got a 7% return 7.51% return after fees, then you've obviously made a higher return on top of that with the fees included. So there there are definitely differences. Yeah. It's completely up to you. Yeah. Look. It's completely up to you by no means required to. Yeah. Yeah. Yeah. And that's one of the things because you are in the high growth environment, you are taking a bit more risk in the market. So you are gonna see times when markets are maybe not performing as well. And the higher your balance goes, the more you're gonna feel the effect of those ups and downs as well. As you can imagine, if someone with a $50,000 balance, if they get a 5% return, it's a much smaller return as opposed to someone with $500,000 who gets that same 5% return. So it is you are feeling things a little bit more because your balance is a lot higher. Smaller market changes have a bigger reaction for you, but in saying that you haven't actually lost any money because while some investments might not be performing, others are performing really well. At the moment, if I sort of break down the investment portfolio, the bet along Australian equities, yes, it is showing down pretty significantly on your portfolio. It's down by the 18% there. But if you look at other investments like your battery and lithium tech, that's up by over 67%. Your physical goal is up over 57%. So a lot of your other investments are working at the same time that others aren't, and that's what diversification's about. It's about making sure you're spreading your risk level. So if the Australian equity portion isn't working as well or has had a bit of a dip, that you've got other investments like physical gold, maybe some US equities, some Japanese equities that might be doing better or, hopefully, are gonna be doing better to offset that downtime. Does that make sense? Yeah. Yep. You you definitely do have quite you do have some battery and lithium tech in this. You do have a bit of the lithium exposure, and you've got some physical gold. We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things. It's just that the only downside with having more of those sorts of investments is that then they're only growth producing. There's no income production in within them. And one of the make sure you're still producing income so it can be reinvested back for compounding effect. Because growth only, it it's great. Like, it gives you that, you know, change in investment prices is great, but you don't really see the physical side of growth until you submit those those consequences until you sell the asset, essentially. Yeah. Yeah. Absolutely. So the balance as of today is $4,421,108. Yeah. Like I said, it's completely up to you. You're never required to stay on board as a client. If you're comfortable, you wanna move everything back to ART, that's completely your decision. If you decide that's what you wanna do, you can let us know. We can turn our fees off and help you move everything back. In saying that if you like, I can go back and update the advice, maybe look at some of the investments within there, within Hub twenty four and look at maybe maneuvering some things for you and updating the advice. It does take a bit a couple of weeks to go back and do the research required to update the advice there. But if you'd like me to, I'm more than happy to do so. What would you like to do so far? Last time, the no. Because the last advice document was to consolidate your funds into one and move your insurances over to have 24. There was no recommendation to alter the investments because they were working fine at the time. And, unfortunately, you chose not to take on the advice back then, so nothing got changed or altered. Everything sort of stayed as it was as per your direction. It's up to you. Well, that and to consolidate yeah. It was advised to consolidate the insurances into HAB twenty four. Keep everything the same, but move the insurances over. Consolidate your ART into one because having everything in one place still gives you diversification there and was saving you a bit in fees as well. Having the two funds, you are paying two lots of fees. Then the recommendation was also to reduce the salary sacrifice so you didn't exceed the cap there. Yeah. You have? Yep. Nice. Nice. No. That's okay. Perfect. So at the moment, your income just having a look at to make sure I've got all the updated information here for you. Your income there, I've got you on about 176,000. Is that right? It's your gross income? Yep. Perfect. And your base, 157? Yep. Perfect. So are you getting employer contributions on the full one seventy six or just on the one fifty seven? The January. Perfect. Yep. Lovely. All good. Well, would you like us to go back and maybe update the advice and have a look at the investments, or did you want some time to think about what you wanna do? Mhmm. Yep. Yep. That's okay. With retaining the Australian retirement trust, you're happy, you wanna keep that open for the time being as well? Yep. Did you want us to have a look at the investments within there to make sure that between the two accounts that you are invested in the correct risk profile? Yep. I think the team did ask for a statement to be sent through last time they spoke. Have you had a chance to send that through at all yet? Okay. No worries. Okay. No. That's alright. Just I'll go back and double check if they do need an updated statement because, realistically, we need statements to be within a certain time frame, normally, around about sort of that ninety day period. As statements outside of that just are a bit old for information wise. Okay. Yeah. No. That's okay. I will get the team to have a look at that for you. If they do require an updated statement, I'll make sure someone does that is in contact with you to obtain it. What we can do is we can have a look at the two accounts, see what you're invested in within ART and also within Hub twenty four. If we're maneuvering investments here, we wanna make sure between the two accounts that you're not overexposed or taking on too much risk. So, there may be a recommendation to alter the investments within the ART fund if we feel that's appropriate. You're okay with me looking at that for you? Yeah. Beautiful. Fantastic. And you wanna keep the ART insurances. Did you want us to look at maybe moving those, or are you happy to keep the cover as it is? As it is. Yeah. Perfect. And you've only got the income sorry. The TBD and the life cover within ART. You're comfortable just with the cover you have? You don't wanna yeah. You got the one pass policy there as well. Yeah. Yep. Yep. Yep. You've got through one pass there the life cover and the trauma cover. So sorry. And the within ART, you've got a bit of life cover and a bit of TBD cover. Just so you're full fully aware with TBD, if anything was to happen and you do claim on TBD, it is also taxable, so it can be taxed up to 22%. If you were to make a claim on that at any point, let us know. We can definitely help to provide advice to help minimize the tax consequences. But it does mean that the amount of cover that you have, if you take it as a lump sum, you're not likely to receive that exact amount. So just wanted to make sure you're fully aware of that. Okay. Unfortunately, the AC is coming in all directions. And you've got sorry. I'm just having a look. It looks like there's no just sort of going back to my notes on our last catch up, there's no income protection that you've got at all, even if that you were not working. Do you have, you know, savings, long service leave, or anything you could fall back on? How would you sort of support yourself if you were not working in the short term? Pretty right? Yep. That's okay. Beautiful. Yep. No worries. All good. Perfect. So easy. So the insurance is all comfortable with keeping them exactly the same. I can go back and have a look at the investments within the ART fund as well as hub twenty four, look at maybe maneuvering or moving out some underperforming funds there for you. Yeah. That's okay. I just also wanted to do a new risk profile questionnaire with you just to sort of gauge whether we've gotta make any changes to your portfolio for you or not. In ART, as I mentioned before, you're in that high growth pool there. With the investments within Hub twenty four, you're in more of a growth portfolio. So that's about 80% in those growth, high growth investments, things like Australian shares, international shares, listed property, and commodities there, and then still giving you sort of 20% defensive lower risk kind of investment. So just wanted to kinda go through and just have a look to see whether we maybe need to change that risk profile for you at all or whether that's still your comfort level. Okay? Yeah. You you don't wanna sort of look at your comfortable with the the gross side of things, the the 20%? Yeah. Did you want yep. Okay. Yeah. That's fine. Not a problem at all. As I mentioned, it will take me a couple of weeks to do the to do the the research properly before we update the advice. As soon as we have the advice updated and ready to go, my team will book you in, and we'll go through that together so you can have a look at what we're recommending, how, and why. Okay? All good. And, sorry, last thing is you did mention you've stopped that salary sacrifice at the moment. When did you last contribute self sacrifice? November. Lovely. Any plans to start that up again shortly? Yep. Next financial year. Yep. Perfect. All good. And with the AIT, normally, when we are retaining, we wanna keep moving money into hub twenty four as well to keep money being invested. We would normally only leave about 10,000 or a little bit more behind in ART. Are you comfortable with us updating the recommendation and having some funds moved over into hub twenty four? Would just part of the recommendations because if we are recommending that you retain as you wanted the two funds, having hub working the way it is, and look, it's doing great. It's actually performing really well for not having any contributions going in. But, normally, when we are retaining because your contributions are going into ART, part of dollar cost averaging and making investments work is to keep contributing as well. That's how, you know, long term investing works to your benefit for you and compounding effect works. So we do need to update the advice to reflect that. So I just wanna also make sure the recommendations are in there that will tell you how much we wanna leave in ART and making sure money is continuously moved over into Hub 24 to keep that keep that working and take advantage of downtimes that we see as well. Does that make sense? Yeah. Perfect. All good. Well, I'll go back into all that research for you. Do you have any questions for me at the moment, Paul? Is there anything else that I maybe haven't touched base on? Yep. Yeah. Absolutely. And we do wanna we yeah. The last couple of months have been last couple of years have been fantastic, but the last couple of months, there has been a bit of volatility or out and about there. So it is definitely worth updating things for you, and we did want to. We're just sort of trying to touch base with everyone as we can because there's a lot of people to get through. But your portfolio is actually still performing quite well even though that one investment's seen a little bit of a downtime. So we'll see what we can do. While it is down, we can look to maybe maneuver other investments and utilize that negative to offset some of the gains so that can provide a bit of a tax advantage to moving funds around now for you as well. Okay? Easy. That's okay. If you have any questions, at all, let me know. Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date. And if it's not, I'll let you know. We'll grab an update one. Okay? That's okay, Paul. Thanks so much for your time. If there is anything you need, let me know. In the meantime, we'll get stuck into this research for you. Thank you. Talk soon. See you later. 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Paula. It's Dana from OQ Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in for a bit of a catch up today. Is now still a good time there for you? Oh, fantastic. How's your week been? Yeah.\n\nIt's good. Busy is where I like it, though. Oh oh, good. Paul, before we get into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nYeah. Beautiful. And just to do security there with you as well, we are discussing your personal information. So to get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nBeautiful. Beautiful. Thank you so much for that. Paul, I had you booked in for a bit of a catch up. The team let me know you wanted to have a bit of a chat about your investments.\n\nHow can I help? Just so yeah. You're right. Yeah. Yeah.\n\nYeah. Absolutely. No. Not a problem at all. I had a quick look at the report to see what was sorta happening.\n\nSo over the last twelve months there, you have gained a positive return of about 7.1 sorry. 7.51, so you have 24, which is a good solid return because there are no contributions going into there. Everything is into the ART fund. So that is just what the portfolio has done, which is fantastic. As a dollar figure because some people prefer a dollar figure over a percentage, but it shows the total earnings for the growth and the income within the portfolio for the last twelve months is 36,652.\n\nSo it has done very well. When when what's that? The growth? That's in the last 12, so that's not total over the course of since inception. From inception, it's up total earnings is 83,768.\n\nSo you're up over 18.81% since onboarding back in 2024. So it's essentially giving you a compounded return over the last two years of about bit over 9% there. And in a high growth portfolio, that's essentially what you're looking for. We're looking for an average return of around about an eight to 10%. So 9% each year is within that.\n\nAdmittedly, with the volatility, we do see things are going up and down. Whilst you've had a good positive return for this year, there is one investment in there that's been along Australian equities, which has had a bit of volatility over the last couple of months and had a bit of a pullback at the end of last year too due to some underlying issues with their underlying investments. Once we sort of made notification of that, our investment committee's had a bit of a meeting. We do wanna remove you out of that Benelon Australian Equities. So I do would would like to go back, have a look at what you've got in the portfolio, maybe look at what might be performing a bit better, you know, history wise, and see if there's some ways to shuffle some things around for you.\n\nYou're comfortable with me looking at that? Yeah. Perfect. Lovely. Well, I'll definitely have a look.\n\nYeah. Well, having a bit of a look in the ART fund at the moment, they have and their disclosures are a bit behind as of the January 31. Their high growth pool is well, they're saying 7.75%. They're giving you a gross so a gross return, so before fees, and this is looking at the average of what that portfolio has returned. So it's not specific to your account.\n\nThe main sort of advantage to the one that we're giving you with hub twenty four is that is up to date. It's up until the twenty fourth. So as of this morning, for the last twelve months there, it's also a net return, so after factoring in fees. So if you've got a 7% return 7.51% return after fees, then you've obviously made a higher return on top of that with the fees included. So there there are definitely differences.\n\nYeah. It's completely up to you. Yeah. Look. It's completely up to you by no means required to.\n\nYeah. Yeah. Yeah. And that's one of the things because you are in the high growth environment, you are taking a bit more risk in the market. So you are gonna see times when markets are maybe not performing as well.\n\nAnd the higher your balance goes, the more you're gonna feel the effect of those ups and downs as well. As you can imagine, if someone with a $50,000 balance, if they get a 5% return, it's a much smaller return as opposed to someone with $500,000 who gets that same 5% return. So it is you are feeling things a little bit more because your balance is a lot higher. Smaller market changes have a bigger reaction for you, but in saying that you haven't actually lost any money because while some investments might not be performing, others are performing really well. At the moment, if I sort of break down the investment portfolio, the bet along Australian equities, yes, it is showing down pretty significantly on your portfolio.\n\nIt's down by the 18% there. But if you look at other investments like your battery and lithium tech, that's up by over 67%. Your physical goal is up over 57%. So a lot of your other investments are working at the same time that others aren't, and that's what diversification's about. It's about making sure you're spreading your risk level.\n\nSo if the Australian equity portion isn't working as well or has had a bit of a dip, that you've got other investments like physical gold, maybe some US equities, some Japanese equities that might be doing better or, hopefully, are gonna be doing better to offset that downtime. Does that make sense? Yeah. Yep. You you definitely do have quite you do have some battery and lithium tech in this.\n\nYou do have a bit of the lithium exposure, and you've got some physical gold. We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things. It's just that the only downside with having more of those sorts of investments is that then they're only growth producing. There's no income production in within them. And one of the make sure you're still producing income so it can be reinvested back for compounding effect.\n\nBecause growth only, it it's great. Like, it gives you that, you know, change in investment prices is great, but you don't really see the physical side of growth until you submit those those consequences until you sell the asset, essentially. Yeah. Yeah. Absolutely.\n\nSo the balance as of today is $4,421,108. Yeah. Like I said, it's completely up to you. You're never required to stay on board as a client. If you're comfortable, you wanna move everything back to ART, that's completely your decision.\n\nIf you decide that's what you wanna do, you can let us know. We can turn our fees off and help you move everything back. In saying that if you like, I can go back and update the advice, maybe look at some of the investments within there, within Hub twenty four and look at maybe maneuvering some things for you and updating the advice. It does take a bit a couple of weeks to go back and do the research required to update the advice there. But if you'd like me to, I'm more than happy to do so.\n\nWhat would you like to do so far? Last time, the no. Because the last advice document was to consolidate your funds into one and move your insurances over to have 24. There was no recommendation to alter the investments because they were working fine at the time. And, unfortunately, you chose not to take on the advice back then, so nothing got changed or altered.\n\nEverything sort of stayed as it was as per your direction. It's up to you. Well, that and to consolidate yeah. It was advised to consolidate the insurances into HAB twenty four. Keep everything the same, but move the insurances over.\n\nConsolidate your ART into one because having everything in one place still gives you diversification there and was saving you a bit in fees as well. Having the two funds, you are paying two lots of fees. Then the recommendation was also to reduce the salary sacrifice so you didn't exceed the cap there. Yeah. You have?\n\nYep. Nice. Nice. No. That's okay.\n\nPerfect. So at the moment, your income just having a look at to make sure I've got all the updated information here for you. Your income there, I've got you on about 176,000. Is that right? It's your gross income?\n\nYep. Perfect. And your base, 157? Yep. Perfect.\n\nSo are you getting employer contributions on the full one seventy six or just on the one fifty seven? The January. Perfect. Yep. Lovely.\n\nAll good. Well, would you like us to go back and maybe update the advice and have a look at the investments, or did you want some time to think about what you wanna do? Mhmm. Yep. Yep.\n\nThat's okay. With retaining the Australian retirement trust, you're happy, you wanna keep that open for the time being as well? Yep. Did you want us to have a look at the investments within there to make sure that between the two accounts that you are invested in the correct risk profile? Yep.\n\nI think the team did ask for a statement to be sent through last time they spoke. Have you had a chance to send that through at all yet? Okay. No worries. Okay.\n\nNo. That's alright. Just I'll go back and double check if they do need an updated statement because, realistically, we need statements to be within a certain time frame, normally, around about sort of that ninety day period. As statements outside of that just are a bit old for information wise. Okay.\n\nYeah. No. That's okay. I will get the team to have a look at that for you. If they do require an updated statement, I'll make sure someone does that is in contact with you to obtain it.\n\nWhat we can do is we can have a look at the two accounts, see what you're invested in within ART and also within Hub twenty four. If we're maneuvering investments here, we wanna make sure between the two accounts that you're not overexposed or taking on too much risk. So, there may be a recommendation to alter the investments within the ART fund if we feel that's appropriate. You're okay with me looking at that for you? Yeah.\n\nBeautiful. Fantastic. And you wanna keep the ART insurances. Did you want us to look at maybe moving those, or are you happy to keep the cover as it is? As it is.\n\nYeah. Perfect. And you've only got the income sorry. The TBD and the life cover within ART. You're comfortable just with the cover you have?\n\nYou don't wanna yeah. You got the one pass policy there as well. Yeah. Yep. Yep.\n\nYep. You've got through one pass there the life cover and the trauma cover. So sorry. And the within ART, you've got a bit of life cover and a bit of TBD cover. Just so you're full fully aware with TBD, if anything was to happen and you do claim on TBD, it is also taxable, so it can be taxed up to 22%.\n\nIf you were to make a claim on that at any point, let us know. We can definitely help to provide advice to help minimize the tax consequences. But it does mean that the amount of cover that you have, if you take it as a lump sum, you're not likely to receive that exact amount. So just wanted to make sure you're fully aware of that. Okay.\n\nUnfortunately, the AC is coming in all directions. And you've got sorry. I'm just having a look. It looks like there's no just sort of going back to my notes on our last catch up, there's no income protection that you've got at all, even if that you were not working. Do you have, you know, savings, long service leave, or anything you could fall back on?\n\nHow would you sort of support yourself if you were not working in the short term? Pretty right? Yep. That's okay. Beautiful.\n\nYep. No worries. All good. Perfect. So easy.\n\nSo the insurance is all comfortable with keeping them exactly the same. I can go back and have a look at the investments within the ART fund as well as hub twenty four, look at maybe maneuvering or moving out some underperforming funds there for you. Yeah. That's okay. I just also wanted to do a new risk profile questionnaire with you just to sort of gauge whether we've gotta make any changes to your portfolio for you or not.\n\nIn ART, as I mentioned before, you're in that high growth pool there. With the investments within Hub twenty four, you're in more of a growth portfolio. So that's about 80% in those growth, high growth investments, things like Australian shares, international shares, listed property, and commodities there, and then still giving you sort of 20% defensive lower risk kind of investment. So just wanted to kinda go through and just have a look to see whether we maybe need to change that risk profile for you at all or whether that's still your comfort level. Okay?\n\nYeah. You you don't wanna sort of look at your comfortable with the the gross side of things, the the 20%? Yeah. Did you want yep. Okay.\n\nYeah. That's fine. Not a problem at all. As I mentioned, it will take me a couple of weeks to do the to do the the research properly before we update the advice. As soon as we have the advice updated and ready to go, my team will book you in, and we'll go through that together so you can have a look at what we're recommending, how, and why.\n\nOkay? All good. And, sorry, last thing is you did mention you've stopped that salary sacrifice at the moment. When did you last contribute self sacrifice? November.\n\nLovely. Any plans to start that up again shortly? Yep. Next financial year. Yep.\n\nPerfect. All good. And with the AIT, normally, when we are retaining, we wanna keep moving money into hub twenty four as well to keep money being invested. We would normally only leave about 10,000 or a little bit more behind in ART. Are you comfortable with us updating the recommendation and having some funds moved over into hub twenty four?\n\nWould just part of the recommendations because if we are recommending that you retain as you wanted the two funds, having hub working the way it is, and look, it's doing great. It's actually performing really well for not having any contributions going in. But, normally, when we are retaining because your contributions are going into ART, part of dollar cost averaging and making investments work is to keep contributing as well. That's how, you know, long term investing works to your benefit for you and compounding effect works. So we do need to update the advice to reflect that.\n\nSo I just wanna also make sure the recommendations are in there that will tell you how much we wanna leave in ART and making sure money is continuously moved over into Hub 24 to keep that keep that working and take advantage of downtimes that we see as well. Does that make sense? Yeah. Perfect. All good.\n\nWell, I'll go back into all that research for you. Do you have any questions for me at the moment, Paul? Is there anything else that I maybe haven't touched base on? Yep. Yeah.\n\nAbsolutely. And we do wanna we yeah. The last couple of months have been last couple of years have been fantastic, but the last couple of months, there has been a bit of volatility or out and about there. So it is definitely worth updating things for you, and we did want to. We're just sort of trying to touch base with everyone as we can because there's a lot of people to get through.\n\nBut your portfolio is actually still performing quite well even though that one investment's seen a little bit of a downtime. So we'll see what we can do. While it is down, we can look to maybe maneuver other investments and utilize that negative to offset some of the gains so that can provide a bit of a tax advantage to moving funds around now for you as well. Okay? Easy.\n\nThat's okay. If you have any questions, at all, let me know. Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date. And if it's not, I'll let you know. We'll grab an update one.\n\nOkay? That's okay, Paul. Thanks so much for your time. If there is anything you need, let me know. In the meantime, we'll get stuck into this research for you.\n\nThank you. Talk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Paula.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1251593865454197},{"text":"It's Dana from OQ Financial.","start":3.6799998,"end":5.04,"sentiment":"neutral","sentiment_score":0.14895105361938477},{"text":"How are you today?","start":5.04,"end":6.02,"sentiment":"neutral","sentiment_score":0.18309135735034943},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6158702572186788},{"text":"Thank you.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.6692993640899658}],"sentiment":"neutral","sentiment_score":0.30710306065157056,"num_words":16,"start":2.96,"end":8.88},{"sentences":[{"text":"I had you booked in for a bit of a catch up today.","start":8.88,"end":10.8,"sentiment":"neutral","sentiment_score":0.2804924627909294},{"text":"Is now still a good time there for you?","start":10.8,"end":12.74,"sentiment":"neutral","sentiment_score":0.21125450730323792},{"text":"Oh, fantastic.","start":14.105,"end":14.344999,"sentiment":"positive","sentiment_score":0.4350515902042389},{"text":"How's your week been?","start":14.344999,"end":16.205,"sentiment":"neutral","sentiment_score":0.23398398980498314},{"text":"Yeah.","start":18.904999,"end":19.224998,"sentiment":"neutral","sentiment_score":0.20511651039123535}],"sentiment":"neutral","sentiment_score":0.2606499390355472,"num_words":29,"start":8.88,"end":19.224998},{"sentences":[{"text":"It's good.","start":19.224998,"end":19.705,"sentiment":"neutral","sentiment_score":0.30869242548942566},{"text":"Busy is where I like it, though.","start":19.705,"end":21.404999,"sentiment":"neutral","sentiment_score":0.2694416620901653},{"text":"Oh oh, good.","start":23.704998,"end":24.985,"sentiment":"neutral","sentiment_score":0.17931855221589407},{"text":"Paul, before we get into the call, just to let you know, we do record our calls for quality and training purposes.","start":24.985,"end":29.380001,"sentiment":"neutral","sentiment_score":0.08756005594676192},{"text":"Are you happy for us to proceed with that?","start":29.380001,"end":31.44,"sentiment":"neutral","sentiment_score":0.13087559739748636}],"sentiment":"neutral","sentiment_score":0.14292171510846116,"num_words":43,"start":19.224998,"end":31.44},{"sentences":[{"text":"Yeah.","start":32.7,"end":33.1,"sentiment":"neutral","sentiment_score":0.20896419882774353},{"text":"Beautiful.","start":33.1,"end":33.42,"sentiment":"positive","sentiment_score":0.3841693103313446},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":33.42,"end":36.86,"sentiment":"neutral","sentiment_score":0.14919820288196206},{"text":"So to get you to confirm your full name, your date of birth, and address I should have on file.","start":36.86,"end":40.88,"sentiment":"neutral","sentiment_score":0.10071487277746201},{"text":"Yep.","start":47.745003,"end":48.225002,"sentiment":"neutral","sentiment_score":0.09982671588659286}],"sentiment":"neutral","sentiment_score":0.13062638273605934,"num_words":39,"start":32.7,"end":48.225002},{"sentences":[{"text":"Beautiful.","start":48.225002,"end":48.725002,"sentiment":"neutral","sentiment_score":0.3281470537185669},{"text":"Beautiful.","start":48.945,"end":49.445,"sentiment":"positive","sentiment_score":0.3882288336753845},{"text":"Thank you so much for that.","start":49.585003,"end":51.025,"sentiment":"positive","sentiment_score":0.4988132019837697},{"text":"Paul, I had you booked in for a bit of a catch up.","start":51.025,"end":52.785004,"sentiment":"neutral","sentiment_score":0.1347866700245784},{"text":"The team let me know you wanted to have a bit of a chat about your investments.","start":52.785004,"end":55.525,"sentiment":"neutral","sentiment_score":0.09096894237925024}],"sentiment":"neutral","sentiment_score":0.18441983763324588,"num_words":38,"start":48.225002,"end":55.525},{"sentences":[{"text":"How can I help?","start":56.329998,"end":57.21,"sentiment":"neutral","sentiment_score":-0.055316210724413395},{"text":"Just so yeah.","start":57.21,"end":58.01,"sentiment":"neutral","sentiment_score":-0.04508543387055397},{"text":"You're right.","start":58.01,"end":58.75,"sentiment":"neutral","sentiment_score":-0.009774967562407255},{"text":"Yeah.","start":63.929996,"end":64.25,"sentiment":"neutral","sentiment_score":-0.043320491909980774},{"text":"Yeah.","start":64.25,"end":64.75,"sentiment":"neutral","sentiment_score":-0.047823742032051086}],"sentiment":"neutral","sentiment_score":-0.04247411941601471,"num_words":11,"start":56.329998,"end":64.75},{"sentences":[{"text":"Yeah.","start":65.689995,"end":66.009995,"sentiment":"neutral","sentiment_score":-0.014975899830460548},{"text":"Absolutely.","start":66.009995,"end":66.509995,"sentiment":"neutral","sentiment_score":0.007847543805837631},{"text":"No.","start":67.13,"end":67.45,"sentiment":"neutral","sentiment_score":0.00909215584397316},{"text":"Not a problem at all.","start":67.45,"end":68.25,"sentiment":"neutral","sentiment_score":0.100178262591362},{"text":"I had a quick look at the report to see what was sorta happening.","start":68.25,"end":70.81,"sentiment":"neutral","sentiment_score":0.09486181076083865}],"sentiment":"neutral","sentiment_score":0.08322365742854097,"num_words":22,"start":65.689995,"end":70.81},{"sentences":[{"text":"So over the last twelve months there, you have gained a positive return of about 7.1 sorry.","start":70.81,"end":77.505,"sentiment":"neutral","sentiment_score":0.18865763702813318},{"text":"7.51, so you have 24, which is a good solid return because there are no contributions going into there.","start":77.505,"end":83.665,"sentiment":"neutral","sentiment_score":0.1948424134599535},{"text":"Everything is into the ART fund.","start":83.665,"end":85.505,"sentiment":"neutral","sentiment_score":0.22788703938325247},{"text":"So that is just what the portfolio has done, which is fantastic.","start":85.505,"end":88.979996,"sentiment":"positive","sentiment_score":0.44457047060132027},{"text":"As a dollar figure because some people prefer a dollar figure over a percentage, but it shows the total earnings for the growth and the income within the portfolio for the last twelve months is 36,652.","start":89.68,"end":101.04,"sentiment":"neutral","sentiment_score":0.05220180690392024}],"sentiment":"neutral","sentiment_score":0.17211798463637631,"num_words":90,"start":70.81,"end":101.04},{"sentences":[{"text":"So it has done very well.","start":101.04,"end":103.15501,"sentiment":"neutral","sentiment_score":0.18365628582735857},{"text":"When when what's that?","start":105.775,"end":111.055,"sentiment":"neutral","sentiment_score":-0.03720989264547825},{"text":"The growth?","start":111.055,"end":111.875,"sentiment":"neutral","sentiment_score":-0.03195790387690067},{"text":"That's in the last 12, so that's not total over the course of since inception.","start":121.310005,"end":125.97,"sentiment":"neutral","sentiment_score":-0.20197888513406118},{"text":"From inception, it's up total earnings is 83,768.","start":127.725,"end":134.205,"sentiment":"neutral","sentiment_score":0.11200538417324424}],"sentiment":"neutral","sentiment_score":-0.03555593905704362,"num_words":35,"start":101.04,"end":134.205},{"sentences":[{"text":"So you're up over 18.81% since onboarding back in 2024.","start":134.205,"end":139.325,"sentiment":"neutral","sentiment_score":0.3215904712677002},{"text":"So it's essentially giving you a compounded return over the last two years of about bit over 9% there.","start":139.325,"end":145.61,"sentiment":"neutral","sentiment_score":0.3061290712733018},{"text":"And in a high growth portfolio, that's essentially what you're looking for.","start":145.61,"end":148.49,"sentiment":"neutral","sentiment_score":0.24852268770337105},{"text":"We're looking for an average return of around about an eight to 10%.","start":148.49,"end":152.09,"sentiment":"neutral","sentiment_score":0.23933884042959946},{"text":"So 9% each year is within that.","start":152.09,"end":154.67,"sentiment":"neutral","sentiment_score":0.1989848337003163}],"sentiment":"neutral","sentiment_score":0.2708020996851999,"num_words":61,"start":134.205,"end":154.67},{"sentences":[{"text":"Admittedly, with the volatility, we do see things are going up and down.","start":155.07501,"end":158.85501,"sentiment":"neutral","sentiment_score":-0.24191838717804506},{"text":"Whilst you've had a good positive return for this year, there is one investment in there that's been along Australian equities, which has had a bit of volatility over the last couple of months and had a bit of a pullback at the end of last year too due to some underlying issues with their underlying investments.","start":159.55501,"end":174.12,"sentiment":"neutral","sentiment_score":-0.25463280578454334},{"text":"Once we sort of made notification of that, our investment committee's had a bit of a meeting.","start":175.06,"end":179.29999,"sentiment":"neutral","sentiment_score":-0.13147002502399333},{"text":"We do wanna remove you out of that Benelon Australian Equities.","start":179.29999,"end":182.34,"sentiment":"neutral","sentiment_score":-0.2503598630428314},{"text":"So I do would would like to go back, have a look at what you've got in the portfolio, maybe look at what might be performing a bit better, you know, history wise, and see if there's some ways to shuffle some things around for you.","start":182.34,"end":194.89499,"sentiment":"neutral","sentiment_score":-0.02633512048455684}],"sentiment":"neutral","sentiment_score":-0.1656900932236264,"num_words":144,"start":155.07501,"end":194.89499},{"sentences":[{"text":"You're comfortable with me looking at that?","start":194.89499,"end":196.71,"sentiment":"neutral","sentiment_score":0.048490951636007855},{"text":"Yeah.","start":199.43001,"end":199.93001,"sentiment":"neutral","sentiment_score":0.2592114210128784},{"text":"Perfect.","start":200.23001,"end":200.73001,"sentiment":"positive","sentiment_score":0.7353528738021851},{"text":"Lovely.","start":201.35,"end":201.83,"sentiment":"positive","sentiment_score":0.6823686361312866},{"text":"Well, I'll definitely have a look.","start":201.83,"end":203.37001,"sentiment":"neutral","sentiment_score":0.07057281335194905}],"sentiment":"neutral","sentiment_score":0.1524879045318812,"num_words":16,"start":194.89499,"end":203.37001},{"sentences":[{"text":"Yeah.","start":203.67001,"end":204.17001,"sentiment":"neutral","sentiment_score":-0.01164346095174551},{"text":"Well, having a bit of a look in the ART fund at the moment, they have and their disclosures are a bit behind as of the January 31.","start":207.59001,"end":218.41501,"sentiment":"neutral","sentiment_score":-0.1514720187655517},{"text":"Their high growth pool is well, they're saying 7.75%.","start":219.27501,"end":224.895,"sentiment":"neutral","sentiment_score":-0.04948659096327093},{"text":"They're giving you a gross so a gross return, so before fees, and this is looking at the average of what that portfolio has returned.","start":225.45001,"end":233.37001,"sentiment":"neutral","sentiment_score":0.024396655783057213},{"text":"So it's not specific to your account.","start":233.37001,"end":235.39,"sentiment":"neutral","sentiment_score":-0.009847198571411095}],"sentiment":"neutral","sentiment_score":-0.05938933286400113,"num_words":70,"start":203.67001,"end":235.39},{"sentences":[{"text":"The main sort of advantage to the one that we're giving you with hub twenty four is that is up to date.","start":235.61,"end":240.565,"sentiment":"neutral","sentiment_score":0.3182093311439861},{"text":"It's up until the twenty fourth.","start":240.565,"end":241.925,"sentiment":"neutral","sentiment_score":0.2536011263728142},{"text":"So as of this morning, for the last twelve months there, it's also a net return, so after factoring in fees.","start":241.925,"end":248.085,"sentiment":"neutral","sentiment_score":0.23104913248902276},{"text":"So if you've got a 7% return 7.51% return after fees, then you've obviously made a higher return on top of that with the fees included.","start":248.085,"end":256.61,"sentiment":"neutral","sentiment_score":0.21325921439207518},{"text":"So there there are definitely differences.","start":256.83,"end":259.73,"sentiment":"neutral","sentiment_score":-0.08256837601463}],"sentiment":"neutral","sentiment_score":0.2274515202935831,"num_words":81,"start":235.61,"end":259.73},{"sentences":[{"text":"Yeah.","start":260.67,"end":261.17,"sentiment":"neutral","sentiment_score":-0.017958590760827065},{"text":"It's completely up to you.","start":265.715,"end":266.995,"sentiment":"neutral","sentiment_score":0.03246670253574848},{"text":"Yeah.","start":266.995,"end":267.395,"sentiment":"neutral","sentiment_score":-0.01422212366014719},{"text":"Look.","start":267.395,"end":267.555,"sentiment":"neutral","sentiment_score":-0.03912951797246933},{"text":"It's completely up to you by no means required to.","start":267.555,"end":270.91498,"sentiment":"neutral","sentiment_score":-0.14333533272147178}],"sentiment":"neutral","sentiment_score":-0.07457389149607883,"num_words":18,"start":260.67,"end":270.91498},{"sentences":[{"text":"Yeah.","start":270.91498,"end":271.41498,"sentiment":"neutral","sentiment_score":-0.0599495954811573},{"text":"Yeah.","start":271.555,"end":272.055,"sentiment":"neutral","sentiment_score":-0.07900736480951309},{"text":"Yeah.","start":279.16,"end":279.48,"sentiment":"neutral","sentiment_score":-0.08515720069408417},{"text":"And that's one of the things because you are in the high growth environment, you are taking a bit more risk in the market.","start":279.48,"end":284.36,"sentiment":"neutral","sentiment_score":-0.20646484879155955},{"text":"So you are gonna see times when markets are maybe not performing as well.","start":284.36,"end":288.04,"sentiment":"neutral","sentiment_score":-0.25415268833083765}],"sentiment":"neutral","sentiment_score":-0.21310751630765637,"num_words":41,"start":270.91498,"end":288.04},{"sentences":[{"text":"And the higher your balance goes, the more you're gonna feel the effect of those ups and downs as well.","start":288.04,"end":292.665,"sentiment":"negative","sentiment_score":-0.4077114075422287},{"text":"As you can imagine, if someone with a $50,000 balance, if they get a 5% return, it's a much smaller return as opposed to someone with $500,000 who gets that same 5% return.","start":292.745,"end":302.605,"sentiment":"neutral","sentiment_score":-0.2959754787611239},{"text":"So it is you are feeling things a little bit more because your balance is a lot higher.","start":302.665,"end":307.305,"sentiment":"neutral","sentiment_score":-0.04752867461906539},{"text":"Smaller market changes have a bigger reaction for you, but in saying that you haven't actually lost any money because while some investments might not be performing, others are performing really well.","start":307.305,"end":317.23,"sentiment":"neutral","sentiment_score":-0.0474276109598577},{"text":"At the moment, if I sort of break down the investment portfolio, the bet along Australian equities, yes, it is showing down pretty significantly on your portfolio.","start":317.45,"end":325.63498,"sentiment":"neutral","sentiment_score":-0.04152351010728766}],"sentiment":"neutral","sentiment_score":-0.16473656474397733,"num_words":130,"start":288.04,"end":325.63498},{"sentences":[{"text":"It's down by the 18% there.","start":325.63498,"end":327.235,"sentiment":"neutral","sentiment_score":-0.1350005865097046},{"text":"But if you look at other investments like your battery and lithium tech, that's up by over 67%.","start":327.235,"end":332.055,"sentiment":"neutral","sentiment_score":0.17597474571731356},{"text":"Your physical goal is up over 57%.","start":332.19498,"end":334.69498,"sentiment":"positive","sentiment_score":0.3437798661845071},{"text":"So a lot of your other investments are working at the same time that others aren't, and that's what diversification's about.","start":334.75497,"end":341.29,"sentiment":"neutral","sentiment_score":0.2152130412203925},{"text":"It's about making sure you're spreading your risk level.","start":341.43,"end":343.91,"sentiment":"neutral","sentiment_score":0.12219771577252282}],"sentiment":"neutral","sentiment_score":0.1702172831922281,"num_words":61,"start":325.63498,"end":343.91},{"sentences":[{"text":"So if the Australian equity portion isn't working as well or has had a bit of a dip, that you've got other investments like physical gold, maybe some US equities, some Japanese equities that might be doing better or, hopefully, are gonna be doing better to offset that downtime.","start":343.91,"end":357.73502,"sentiment":"neutral","sentiment_score":-0.09853016010162477},{"text":"Does that make sense?","start":358.035,"end":359.095,"sentiment":"neutral","sentiment_score":0.012877827510237694},{"text":"Yeah.","start":359.875,"end":360.375,"sentiment":"neutral","sentiment_score":0.06973947584629059},{"text":"Yep.","start":370.96,"end":371.44,"sentiment":"neutral","sentiment_score":0.005171838216483593},{"text":"You you definitely do have quite you do have some battery and lithium tech in this.","start":371.44,"end":375.84,"sentiment":"neutral","sentiment_score":-0.05976165598258376}],"sentiment":"neutral","sentiment_score":-0.0796865030506652,"num_words":71,"start":343.91,"end":375.84},{"sentences":[{"text":"You do have a bit of the lithium exposure, and you've got some physical gold.","start":375.84,"end":379.94,"sentiment":"neutral","sentiment_score":0.20462437123060226},{"text":"We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things.","start":380.235,"end":384.79498,"sentiment":"positive","sentiment_score":0.4195984959602356},{"text":"It's just that the only downside with having more of those sorts of investments is that then they're only growth producing.","start":384.79498,"end":390.875,"sentiment":"neutral","sentiment_score":-0.24879275971934908},{"text":"There's no income production in within them.","start":390.875,"end":391.535,"sentiment":"negative","sentiment_score":-0.35065128547804697},{"text":"And one of the make sure you're still producing income so it can be reinvested back for compounding effect.","start":391.535,"end":401.78,"sentiment":"neutral","sentiment_score":-0.133183437742685}],"sentiment":"neutral","sentiment_score":0.038501559745991364,"num_words":87,"start":375.84,"end":401.78},{"sentences":[{"text":"Because growth only, it it's great.","start":401.78,"end":403.54,"sentiment":"neutral","sentiment_score":0.2889200175801913},{"text":"Like, it gives you that, you know, change in investment prices is great, but you don't really see the physical side of growth until you submit those those consequences until you sell the asset, essentially.","start":403.54,"end":414.225,"sentiment":"neutral","sentiment_score":0.1526576118277652},{"text":"Yeah.","start":416.365,"end":416.85,"sentiment":"neutral","sentiment_score":0.020860416814684868},{"text":"Yeah.","start":419.97,"end":420.37,"sentiment":"neutral","sentiment_score":0.02644972875714302},{"text":"Absolutely.","start":420.37,"end":420.87,"sentiment":"neutral","sentiment_score":0.11153165996074677}],"sentiment":"neutral","sentiment_score":0.16444041647694327,"num_words":44,"start":401.78,"end":420.87},{"sentences":[{"text":"So the balance as of today is $4,421,108.","start":421.65,"end":428.63,"sentiment":"neutral","sentiment_score":0.08428098075091839},{"text":"Yeah.","start":440.22498,"end":440.72498,"sentiment":"neutral","sentiment_score":0.08346159756183624},{"text":"Like I said, it's completely up to you.","start":440.865,"end":442.54498,"sentiment":"neutral","sentiment_score":0.1955289812758565},{"text":"You're never required to stay on board as a client.","start":442.54498,"end":445.25,"sentiment":"neutral","sentiment_score":0.1370375856757164},{"text":"If you're comfortable, you wanna move everything back to ART, that's completely your decision.","start":445.25,"end":449.43,"sentiment":"neutral","sentiment_score":0.23279523317302978}],"sentiment":"neutral","sentiment_score":0.16954757109647844,"num_words":41,"start":421.65,"end":449.43},{"sentences":[{"text":"If you decide that's what you wanna do, you can let us know.","start":449.81,"end":452.37,"sentiment":"neutral","sentiment_score":0.25676528536356413},{"text":"We can turn our fees off and help you move everything back.","start":452.37,"end":455.03,"sentiment":"neutral","sentiment_score":0.20217269534866014},{"text":"In saying that if you like, I can go back and update the advice, maybe look at some of the investments within there, within Hub twenty four and look at maybe maneuvering some things for you and updating the advice.","start":455.41,"end":464.985,"sentiment":"neutral","sentiment_score":0.23560030274093152},{"text":"It does take a bit a couple of weeks to go back and do the research required to update the advice there.","start":464.985,"end":470.285,"sentiment":"neutral","sentiment_score":0.13075728612867268},{"text":"But if you'd like me to, I'm more than happy to do so.","start":470.665,"end":473.145,"sentiment":"positive","sentiment_score":0.580110238148616}],"sentiment":"neutral","sentiment_score":0.2560612655431032,"num_words":100,"start":449.81,"end":473.145},{"sentences":[{"text":"What would you like to do so far?","start":473.145,"end":482.40002,"sentiment":"neutral","sentiment_score":0.07845386024564505},{"text":"Last time, the no.","start":482.40002,"end":483.84,"sentiment":"neutral","sentiment_score":-0.08916421793401241},{"text":"Because the last advice document was to consolidate your funds into one and move your insurances over to have 24.","start":483.84,"end":491.13498,"sentiment":"neutral","sentiment_score":-0.054601066280156374},{"text":"There was no recommendation to alter the investments because they were working fine at the time.","start":491.13498,"end":496.35498,"sentiment":"neutral","sentiment_score":-0.03217845712788403},{"text":"And, unfortunately, you chose not to take on the advice back then, so nothing got changed or altered.","start":497.13498,"end":502.4,"sentiment":"neutral","sentiment_score":-0.3182181004020903}],"sentiment":"neutral","sentiment_score":-0.10702770358572404,"num_words":66,"start":473.145,"end":502.4},{"sentences":[{"text":"Everything sort of stayed as it was as per your direction.","start":502.4,"end":505.21997,"sentiment":"negative","sentiment_score":-0.3431782939217307},{"text":"It's up to you.","start":506.56,"end":507.62,"sentiment":"neutral","sentiment_score":-0.00806903070770204},{"text":"Well, that and to consolidate yeah.","start":509.19998,"end":510.87997,"sentiment":"neutral","sentiment_score":-0.021839067495117586},{"text":"It was advised to consolidate the insurances into HAB twenty four.","start":510.87997,"end":514.07996,"sentiment":"neutral","sentiment_score":-0.005866166796873917},{"text":"Keep everything the same, but move the insurances over.","start":514.07996,"end":516.675,"sentiment":"neutral","sentiment_score":0.03634804632100794}],"sentiment":"neutral","sentiment_score":-0.08965041899553887,"num_words":41,"start":502.4,"end":516.675},{"sentences":[{"text":"Consolidate your ART into one because having everything in one place still gives you diversification there and was saving you a bit in fees as well.","start":516.675,"end":525.075,"sentiment":"neutral","sentiment_score":0.24219924956560135},{"text":"Having the two funds, you are paying two lots of fees.","start":525.075,"end":527.79,"sentiment":"neutral","sentiment_score":0.15116189962083643},{"text":"Then the recommendation was also to reduce the salary sacrifice so you didn't exceed the cap there.","start":528.26996,"end":533.17,"sentiment":"neutral","sentiment_score":-0.012061352458070307},{"text":"Yeah.","start":534.75,"end":535.25,"sentiment":"neutral","sentiment_score":0.010740534402430058},{"text":"You have?","start":537.07,"end":537.79,"sentiment":"neutral","sentiment_score":-0.022198445163667202}],"sentiment":"neutral","sentiment_score":0.13546073748811818,"num_words":57,"start":516.675,"end":537.79},{"sentences":[{"text":"Yep.","start":537.79,"end":538.29,"sentiment":"neutral","sentiment_score":0.030476287007331848},{"text":"Nice.","start":538.82996,"end":539.32996,"sentiment":"neutral","sentiment_score":0.20579801499843595},{"text":"Nice.","start":540.215,"end":540.615,"sentiment":"neutral","sentiment_score":0.16888925433158877},{"text":"No.","start":540.615,"end":540.85504,"sentiment":"neutral","sentiment_score":0.001201339066028595},{"text":"That's okay.","start":540.85504,"end":541.575,"sentiment":"neutral","sentiment_score":0.029046148993074894}],"sentiment":"neutral","sentiment_score":0.07740953223158915,"num_words":6,"start":537.79,"end":541.575},{"sentences":[{"text":"Perfect.","start":541.575,"end":542.075,"sentiment":"neutral","sentiment_score":0.3019557595252991},{"text":"So at the moment, your income just having a look at to make sure I've got all the updated information here for you.","start":542.215,"end":548.315,"sentiment":"neutral","sentiment_score":0.0849473244794037},{"text":"Your income there, I've got you on about 176,000.","start":549.015,"end":552.85504,"sentiment":"neutral","sentiment_score":0.04513918525642819},{"text":"Is that right?","start":552.85504,"end":553.495,"sentiment":"neutral","sentiment_score":0.04578367372353872},{"text":"It's your gross income?","start":553.495,"end":555.275,"sentiment":"neutral","sentiment_score":0.0343709709122777}],"sentiment":"neutral","sentiment_score":0.07342079486697912,"num_words":40,"start":541.575,"end":555.275},{"sentences":[{"text":"Yep.","start":556.55,"end":556.79,"sentiment":"neutral","sentiment_score":0.07493137568235397},{"text":"Perfect.","start":556.79,"end":557.11,"sentiment":"neutral","sentiment_score":0.3281209468841553},{"text":"And your base, 157?","start":557.11,"end":559.37,"sentiment":"neutral","sentiment_score":0.06993350386619568},{"text":"Yep.","start":561.19,"end":561.59,"sentiment":"neutral","sentiment_score":0.08672866225242615},{"text":"Perfect.","start":561.59,"end":562.09,"sentiment":"neutral","sentiment_score":0.22427165508270264}],"sentiment":"neutral","sentiment_score":0.1242233319208026,"num_words":8,"start":556.55,"end":562.09},{"sentences":[{"text":"So are you getting employer contributions on the full one seventy six or just on the one fifty seven?","start":562.15,"end":567.885,"sentiment":"neutral","sentiment_score":0.045991792000438035},{"text":"The January.","start":571.085,"end":572.205,"sentiment":"neutral","sentiment_score":0.01821418944746256},{"text":"Perfect.","start":572.205,"end":572.705,"sentiment":"neutral","sentiment_score":0.20113658905029297},{"text":"Yep.","start":573.645,"end":574.045,"sentiment":"neutral","sentiment_score":0.16091059148311615},{"text":"Lovely.","start":574.045,"end":574.545,"sentiment":"positive","sentiment_score":0.4859289824962616}],"sentiment":"neutral","sentiment_score":0.0732603579138716,"num_words":24,"start":562.15,"end":574.545},{"sentences":[{"text":"All good.","start":574.685,"end":575.245,"sentiment":"positive","sentiment_score":0.5096491873264313},{"text":"Well, would you like us to go back and maybe update the advice and have a look at the investments, or did you want some time to think about what you wanna do?","start":575.245,"end":582.09,"sentiment":"neutral","sentiment_score":0.017473672121537453},{"text":"Mhmm.","start":588.81,"end":589.31,"sentiment":"neutral","sentiment_score":-0.05949780344963074},{"text":"Yep.","start":590.25,"end":590.75,"sentiment":"neutral","sentiment_score":0.20754334330558777},{"text":"Yep.","start":590.81,"end":591.29004,"sentiment":"neutral","sentiment_score":0.2858896851539612}],"sentiment":"neutral","sentiment_score":0.05341749420193465,"num_words":38,"start":574.685,"end":591.29004},{"sentences":[{"text":"That's okay.","start":591.29004,"end":592.03,"sentiment":"positive","sentiment_score":0.5092459619045258},{"text":"With retaining the Australian retirement trust, you're happy, you wanna keep that open for the time being as well?","start":592.25,"end":597.195,"sentiment":"positive","sentiment_score":0.6259417706414273},{"text":"Yep.","start":598.555,"end":599.03503,"sentiment":"neutral","sentiment_score":0.28591710329055786},{"text":"Did you want us to have a look at the investments within there to make sure that between the two accounts that you are invested in the correct risk profile?","start":599.03503,"end":606.735,"sentiment":"neutral","sentiment_score":0.07314247147490581},{"text":"Yep.","start":612.3,"end":612.62,"sentiment":"neutral","sentiment_score":0.06282319873571396}],"sentiment":"neutral","sentiment_score":0.29159245306169085,"num_words":53,"start":591.29004,"end":612.62},{"sentences":[{"text":"I think the team did ask for a statement to be sent through last time they spoke.","start":612.62,"end":619.44,"sentiment":"neutral","sentiment_score":0.01646743298453443},{"text":"Have you had a chance to send that through at all yet?","start":619.58,"end":622.4,"sentiment":"neutral","sentiment_score":0.009865355755512914},{"text":"Okay.","start":624.38,"end":624.77997,"sentiment":"neutral","sentiment_score":0.01618359051644802},{"text":"No worries.","start":624.77997,"end":625.455,"sentiment":"neutral","sentiment_score":-0.01868018507957458},{"text":"Okay.","start":628.09503,"end":628.41504,"sentiment":"neutral","sentiment_score":-0.01083101611584425}],"sentiment":"neutral","sentiment_score":0.011100691940748331,"num_words":33,"start":612.62,"end":628.41504},{"sentences":[{"text":"No.","start":628.41504,"end":628.655,"sentiment":"neutral","sentiment_score":-0.04673822596669197},{"text":"That's alright.","start":628.655,"end":629.315,"sentiment":"neutral","sentiment_score":-0.016130690462887287},{"text":"Just I'll go back and double check if they do need an updated statement because, realistically, we need statements to be within a certain time frame, normally, around about sort of that ninety day period.","start":629.85504,"end":639.555,"sentiment":"neutral","sentiment_score":-0.03369966791277485},{"text":"As statements outside of that just are a bit old for information wise.","start":640.09,"end":644.75,"sentiment":"neutral","sentiment_score":-0.27259334234090954},{"text":"Okay.","start":648.89,"end":649.39,"sentiment":"neutral","sentiment_score":-0.13022089004516602}],"sentiment":"neutral","sentiment_score":-0.09485427546762647,"num_words":52,"start":628.41504,"end":649.39},{"sentences":[{"text":"Yeah.","start":656.165,"end":656.485,"sentiment":"neutral","sentiment_score":-0.07947467267513275},{"text":"No.","start":656.485,"end":656.725,"sentiment":"neutral","sentiment_score":-0.11745009571313858},{"text":"That's okay.","start":656.725,"end":657.465,"sentiment":"neutral","sentiment_score":-0.06070207618176937},{"text":"I will get the team to have a look at that for you.","start":658.325,"end":660.405,"sentiment":"neutral","sentiment_score":0.047392902752527825},{"text":"If they do require an updated statement, I'll make sure someone does that is in contact with you to obtain it.","start":660.405,"end":666.185,"sentiment":"neutral","sentiment_score":-0.008943254748980204}],"sentiment":"neutral","sentiment_score":0.0028939596132228247,"num_words":38,"start":656.165,"end":666.185},{"sentences":[{"text":"What we can do is we can have a look at the two accounts, see what you're invested in within ART and also within Hub twenty four.","start":666.645,"end":672.31006,"sentiment":"neutral","sentiment_score":0.16187721132128327},{"text":"If we're maneuvering investments here, we wanna make sure between the two accounts that you're not overexposed or taking on too much risk.","start":672.31006,"end":678.55005,"sentiment":"neutral","sentiment_score":-0.05276431730421989},{"text":"So, there may be a recommendation to alter the investments within the ART fund if we feel that's appropriate.","start":678.55005,"end":684.285,"sentiment":"neutral","sentiment_score":0.0071851456243740884},{"text":"You're okay with me looking at that for you?","start":684.285,"end":686.385,"sentiment":"neutral","sentiment_score":0.04495253993405236},{"text":"Yeah.","start":687.645,"end":688.045,"sentiment":"neutral","sentiment_score":0.22249279916286469}],"sentiment":"neutral","sentiment_score":0.04962897257101309,"num_words":79,"start":666.645,"end":688.045},{"sentences":[{"text":"Beautiful.","start":688.045,"end":688.545,"sentiment":"positive","sentiment_score":0.6637753248214722},{"text":"Fantastic.","start":688.845,"end":689.345,"sentiment":"positive","sentiment_score":0.7275369167327881},{"text":"And you wanna keep the ART insurances.","start":690.125,"end":692.065,"sentiment":"positive","sentiment_score":0.3516231370823724},{"text":"Did you want us to look at maybe moving those, or are you happy to keep the cover as it is?","start":692.125,"end":696.81,"sentiment":"neutral","sentiment_score":0.15336912409180686},{"text":"As it is.","start":698.73,"end":699.37,"sentiment":"neutral","sentiment_score":0.23734794557094574}],"sentiment":"neutral","sentiment_score":0.2359233225385348,"num_words":33,"start":688.045,"end":699.37},{"sentences":[{"text":"Yeah.","start":699.37,"end":699.69,"sentiment":"neutral","sentiment_score":0.2040884792804718},{"text":"Perfect.","start":699.69,"end":700.17,"sentiment":"neutral","sentiment_score":0.3237069249153137},{"text":"And you've only got the income sorry.","start":700.17,"end":702.25,"sentiment":"neutral","sentiment_score":0.06954455216016088},{"text":"The TBD and the life cover within ART.","start":702.25,"end":705.79,"sentiment":"neutral","sentiment_score":0.0577515116892755},{"text":"You're comfortable just with the cover you have?","start":706.25,"end":708.73,"sentiment":"neutral","sentiment_score":0.04847532557323575}],"sentiment":"neutral","sentiment_score":0.07457687869668007,"num_words":25,"start":699.37,"end":708.73},{"sentences":[{"text":"You don't wanna yeah.","start":708.73,"end":714.59503,"sentiment":"neutral","sentiment_score":-0.042371432296931744},{"text":"You got the one pass policy there as well.","start":715.215,"end":717.53503,"sentiment":"neutral","sentiment_score":-0.0048485879475871725},{"text":"Yeah.","start":717.53503,"end":718.03503,"sentiment":"neutral","sentiment_score":0.004461233504116535},{"text":"Yep.","start":719.375,"end":719.875,"sentiment":"neutral","sentiment_score":0.001127078547142446},{"text":"Yep.","start":723.53503,"end":723.855,"sentiment":"neutral","sentiment_score":0.010434668511152267}],"sentiment":"neutral","sentiment_score":-0.012318752509600017,"num_words":16,"start":708.73,"end":723.855},{"sentences":[{"text":"Yep.","start":723.855,"end":724.255,"sentiment":"neutral","sentiment_score":0.013357089832425116},{"text":"You've got through one pass there the life cover and the trauma cover.","start":724.255,"end":728.19995,"sentiment":"neutral","sentiment_score":-0.006267901366719833},{"text":"So sorry.","start":729.77997,"end":730.51996,"sentiment":"neutral","sentiment_score":-0.057741763070225716},{"text":"And the within ART, you've got a bit of life cover and a bit of TBD cover.","start":731.13995,"end":736.27997,"sentiment":"neutral","sentiment_score":-0.0429571823162191},{"text":"Just so you're full fully aware with TBD, if anything was to happen and you do claim on TBD, it is also taxable, so it can be taxed up to 22%.","start":736.5,"end":746.01495,"sentiment":"neutral","sentiment_score":-0.0220305570251038}],"sentiment":"neutral","sentiment_score":-0.02495044564420823,"num_words":64,"start":723.855,"end":746.01495},{"sentences":[{"text":"If you were to make a claim on that at any point, let us know.","start":746.475,"end":749.19495,"sentiment":"neutral","sentiment_score":-0.025038613627354305},{"text":"We can definitely help to provide advice to help minimize the tax consequences.","start":749.19495,"end":752.735,"sentiment":"neutral","sentiment_score":0.079503750285277},{"text":"But it does mean that the amount of cover that you have, if you take it as a lump sum, you're not likely to receive that exact amount.","start":752.95496,"end":760.74,"sentiment":"neutral","sentiment_score":-0.0786005479416677},{"text":"So just wanted to make sure you're fully aware of that.","start":760.8,"end":763.68,"sentiment":"neutral","sentiment_score":-0.007472594691948457},{"text":"Okay.","start":763.68,"end":764.18,"sentiment":"neutral","sentiment_score":0.0022455593571066856}],"sentiment":"neutral","sentiment_score":-0.023864687872393167,"num_words":68,"start":746.475,"end":764.18},{"sentences":[{"text":"Unfortunately, the AC is coming in all directions.","start":765.44,"end":768.33997,"sentiment":"neutral","sentiment_score":-0.0865622372366488},{"text":"And you've got sorry.","start":771.21497,"end":773.21497,"sentiment":"neutral","sentiment_score":-0.07060404866933823},{"text":"I'm just having a look.","start":773.21497,"end":774.175,"sentiment":"neutral","sentiment_score":-0.05606135129928589},{"text":"It looks like there's no just sort of going back to my notes on our last catch up, there's no income protection that you've got at all, even if that you were not working.","start":774.175,"end":783.635,"sentiment":"neutral","sentiment_score":-0.14124033687745824},{"text":"Do you have, you know, savings, long service leave, or anything you could fall back on?","start":784.54004,"end":788.7,"sentiment":"neutral","sentiment_score":-0.05551830702461302}],"sentiment":"neutral","sentiment_score":-0.10366694351185614,"num_words":67,"start":765.44,"end":788.7},{"sentences":[{"text":"How would you sort of support yourself if you were not working in the short term?","start":788.7,"end":792.32,"sentiment":"neutral","sentiment_score":-0.0661518385168165},{"text":"Pretty right?","start":795.26,"end":795.82,"sentiment":"neutral","sentiment_score":0.2293144389986992},{"text":"Yep.","start":795.82,"end":796.06,"sentiment":"neutral","sentiment_score":0.12022073566913603},{"text":"That's okay.","start":796.06,"end":796.86005,"sentiment":"neutral","sentiment_score":0.18533912301063538},{"text":"Beautiful.","start":796.86005,"end":797.36005,"sentiment":"positive","sentiment_score":0.6626954674720764}],"sentiment":"neutral","sentiment_score":0.025172450495037167,"num_words":22,"start":788.7,"end":797.36005},{"sentences":[{"text":"Yep.","start":798.54004,"end":798.825,"sentiment":"neutral","sentiment_score":0.17315521836280823},{"text":"No worries.","start":799.625,"end":800.365,"sentiment":"neutral","sentiment_score":0.24629129469394684},{"text":"All good.","start":800.745,"end":801.565,"sentiment":"positive","sentiment_score":0.5149460136890411},{"text":"Perfect.","start":802.425,"end":802.825,"sentiment":"positive","sentiment_score":0.6918662786483765},{"text":"So easy.","start":802.825,"end":803.465,"sentiment":"positive","sentiment_score":0.5735498666763306}],"sentiment":"positive","sentiment_score":0.4418244808912277,"num_words":8,"start":798.54004,"end":803.465},{"sentences":[{"text":"So the insurance is all comfortable with keeping them exactly the same.","start":803.465,"end":806.505,"sentiment":"neutral","sentiment_score":0.26311957960327464},{"text":"I can go back and have a look at the investments within the ART fund as well as hub twenty four, look at maybe maneuvering or moving out some underperforming funds there for you.","start":806.505,"end":814.765,"sentiment":"neutral","sentiment_score":0.17626187775064917},{"text":"Yeah.","start":816.56,"end":816.8,"sentiment":"neutral","sentiment_score":0.11185574531555176},{"text":"That's okay.","start":816.8,"end":817.62,"sentiment":"neutral","sentiment_score":0.15377354621887207},{"text":"I just also wanted to do a new risk profile questionnaire with you just to sort of gauge whether we've gotta make any changes to your portfolio for you or not.","start":817.83997,"end":827.14,"sentiment":"neutral","sentiment_score":0.052235694121449225}],"sentiment":"neutral","sentiment_score":0.13986310192849488,"num_words":80,"start":803.465,"end":827.14},{"sentences":[{"text":"In ART, as I mentioned before, you're in that high growth pool there.","start":828.56,"end":832.23505,"sentiment":"neutral","sentiment_score":0.01676526157042155},{"text":"With the investments within Hub twenty four, you're in more of a growth portfolio.","start":832.53503,"end":836.55505,"sentiment":"neutral","sentiment_score":0.041858838338937075},{"text":"So that's about 80% in those growth, high growth investments, things like Australian shares, international shares, listed property, and commodities there, and then still giving you sort of 20% defensive lower risk kind of investment.","start":836.775,"end":849.67,"sentiment":"neutral","sentiment_score":0.08589628147227424},{"text":"So just wanted to kinda go through and just have a look to see whether we maybe need to change that risk profile for you at all or whether that's still your comfort level.","start":849.81,"end":858.70996,"sentiment":"neutral","sentiment_score":0.03280512068201514},{"text":"Okay?","start":858.77,"end":859.27,"sentiment":"neutral","sentiment_score":0.023004714399576187}],"sentiment":"neutral","sentiment_score":0.05101774027091019,"num_words":97,"start":828.56,"end":859.27},{"sentences":[{"text":"Yeah.","start":863.055,"end":863.455,"sentiment":"neutral","sentiment_score":-0.010650862008333206},{"text":"You you don't wanna sort of look at your comfortable with the the gross side of things, the the 20%?","start":863.455,"end":868.515,"sentiment":"neutral","sentiment_score":-0.05244530951604247},{"text":"Yeah.","start":871.935,"end":872.435,"sentiment":"neutral","sentiment_score":0.015429697930812836},{"text":"Did you want yep.","start":872.7,"end":877.44,"sentiment":"neutral","sentiment_score":-0.004539857851341367},{"text":"Okay.","start":881.42004,"end":881.92004,"sentiment":"neutral","sentiment_score":0.04516047239303589}],"sentiment":"neutral","sentiment_score":-0.03767134494113701,"num_words":27,"start":863.055,"end":881.92004},{"sentences":[{"text":"Yeah.","start":882.62,"end":882.94,"sentiment":"neutral","sentiment_score":0.08869695663452148},{"text":"That's fine.","start":882.94,"end":883.5,"sentiment":"neutral","sentiment_score":0.3143547773361206},{"text":"Not a problem at all.","start":883.5,"end":884.38,"sentiment":"neutral","sentiment_score":0.31831376552581786},{"text":"As I mentioned, it will take me a couple of weeks to do the to do the the research properly before we update the advice.","start":884.38,"end":890.445,"sentiment":"neutral","sentiment_score":0.1242624107003212},{"text":"As soon as we have the advice updated and ready to go, my team will book you in, and we'll go through that together so you can have a look at what we're recommending, how, and why.","start":890.445,"end":897.805,"sentiment":"neutral","sentiment_score":0.191588254393758}],"sentiment":"neutral","sentiment_score":0.1786328717001847,"num_words":70,"start":882.62,"end":897.805},{"sentences":[{"text":"Okay?","start":897.805,"end":898.305,"sentiment":"neutral","sentiment_score":0.1462174654006958},{"text":"All good.","start":899.40497,"end":900.06,"sentiment":"positive","sentiment_score":0.5191198587417603},{"text":"And, sorry, last thing is you did mention you've stopped that salary sacrifice at the moment.","start":900.14,"end":904.56,"sentiment":"neutral","sentiment_score":-0.012711222458165139},{"text":"When did you last contribute self sacrifice?","start":904.62,"end":907.68,"sentiment":"neutral","sentiment_score":-0.01872502001268523},{"text":"November.","start":909.98,"end":910.48,"sentiment":"neutral","sentiment_score":0.05705670267343521}],"sentiment":"neutral","sentiment_score":0.03359478467178566,"num_words":27,"start":897.805,"end":910.48},{"sentences":[{"text":"Lovely.","start":910.62,"end":911.02,"sentiment":"neutral","sentiment_score":0.24911096692085263},{"text":"Any plans to start that up again shortly?","start":911.02,"end":913.84,"sentiment":"neutral","sentiment_score":0.07500896556302905},{"text":"Yep.","start":914.86,"end":915.225,"sentiment":"neutral","sentiment_score":-0.003729655174538493},{"text":"Next financial year.","start":918.105,"end":919.305,"sentiment":"neutral","sentiment_score":-0.0024588253969947496},{"text":"Yep.","start":919.305,"end":919.785,"sentiment":"neutral","sentiment_score":0.06958867609500885}],"sentiment":"neutral","sentiment_score":0.06483323115389794,"num_words":14,"start":910.62,"end":919.785},{"sentences":[{"text":"Perfect.","start":919.785,"end":920.26495,"sentiment":"positive","sentiment_score":0.40884971618652344},{"text":"All good.","start":920.26495,"end":920.985,"sentiment":"positive","sentiment_score":0.378861740231514},{"text":"And with the AIT, normally, when we are retaining, we wanna keep moving money into hub twenty four as well to keep money being invested.","start":920.985,"end":927.57,"sentiment":"neutral","sentiment_score":0.09747363284230232},{"text":"We would normally only leave about 10,000 or a little bit more behind in ART.","start":928.45,"end":933.41003,"sentiment":"neutral","sentiment_score":-0.014460874473055203},{"text":"Are you comfortable with us updating the recommendation and having some funds moved over into hub twenty four?","start":933.41003,"end":938.39,"sentiment":"neutral","sentiment_score":0.01650539847711722}],"sentiment":"neutral","sentiment_score":0.060386853659006416,"num_words":61,"start":919.785,"end":938.39},{"sentences":[{"text":"Would just part of the recommendations because if we are recommending that you retain as you wanted the two funds, having hub working the way it is, and look, it's doing great.","start":946.455,"end":955.41504,"sentiment":"neutral","sentiment_score":0.1926263576024212},{"text":"It's actually performing really well for not having any contributions going in.","start":955.41504,"end":959.7,"sentiment":"neutral","sentiment_score":0.2624992933124304},{"text":"But, normally, when we are retaining because your contributions are going into ART, part of dollar cost averaging and making investments work is to keep contributing as well.","start":959.7,"end":969.22,"sentiment":"neutral","sentiment_score":0.12257329906736102},{"text":"That's how, you know, long term investing works to your benefit for you and compounding effect works.","start":969.22,"end":974.735,"sentiment":"neutral","sentiment_score":0.22166347547489054},{"text":"So we do need to update the advice to reflect that.","start":975.115,"end":977.675,"sentiment":"neutral","sentiment_score":0.01983342666856267}],"sentiment":"neutral","sentiment_score":0.1673253411334008,"num_words":100,"start":946.455,"end":977.675},{"sentences":[{"text":"So I just wanna also make sure the recommendations are in there that will tell you how much we wanna leave in ART and making sure money is continuously moved over into Hub 24 to keep that keep that working and take advantage of downtimes that we see as well.","start":977.675,"end":991.72003,"sentiment":"neutral","sentiment_score":0.09817790053784847},{"text":"Does that make sense?","start":991.72003,"end":992.78,"sentiment":"neutral","sentiment_score":0.05567076615989208},{"text":"Yeah.","start":994.12,"end":994.6,"sentiment":"positive","sentiment_score":0.3713101148605346},{"text":"Perfect.","start":994.6,"end":995.1,"sentiment":"positive","sentiment_score":0.6050470471382141},{"text":"All good.","start":995.24,"end":995.72003,"sentiment":"positive","sentiment_score":0.56124347448349}],"sentiment":"neutral","sentiment_score":0.12466245176720209,"num_words":58,"start":977.675,"end":995.72003},{"sentences":[{"text":"Well, I'll go back into all that research for you.","start":995.72003,"end":997.91504,"sentiment":"neutral","sentiment_score":0.20344262272119523},{"text":"Do you have any questions for me at the moment, Paul?","start":997.91504,"end":1000.395,"sentiment":"neutral","sentiment_score":0.071427889845588},{"text":"Is there anything else that I maybe haven't touched base on?","start":1000.395,"end":1003.29504,"sentiment":"neutral","sentiment_score":0.006391189907762137},{"text":"Yep.","start":1004.315,"end":1004.815,"sentiment":"neutral","sentiment_score":0.14650361239910126},{"text":"Yeah.","start":1009.435,"end":1009.935,"sentiment":"neutral","sentiment_score":0.03895112499594688}],"sentiment":"neutral","sentiment_score":0.09046737770276035,"num_words":34,"start":995.72003,"end":1009.935},{"sentences":[{"text":"Absolutely.","start":1010.58,"end":1011.08,"sentiment":"neutral","sentiment_score":0.1702454388141632},{"text":"And we do wanna we yeah.","start":1011.22003,"end":1012.98004,"sentiment":"neutral","sentiment_score":0.11660610387722652},{"text":"The last couple of months have been last couple of years have been fantastic, but the last couple of months, there has been a bit of volatility or out and about there.","start":1012.98004,"end":1020.42004,"sentiment":"neutral","sentiment_score":0.004567346535623074},{"text":"So it is definitely worth updating things for you, and we did want to.","start":1020.42004,"end":1024.3401,"sentiment":"neutral","sentiment_score":0.12976399010845593},{"text":"We're just sort of trying to touch base with everyone as we can because there's a lot of people to get through.","start":1024.3401,"end":1029.045,"sentiment":"neutral","sentiment_score":0.07771780748258937}],"sentiment":"neutral","sentiment_score":0.0605669970313708,"num_words":75,"start":1010.58,"end":1029.045},{"sentences":[{"text":"But your portfolio is actually still performing quite well even though that one investment's seen a little bit of a downtime.","start":1029.345,"end":1034.645,"sentiment":"neutral","sentiment_score":0.024410456064201537},{"text":"So we'll see what we can do.","start":1034.705,"end":1036.245,"sentiment":"neutral","sentiment_score":0.01763285111103739},{"text":"While it is down, we can look to maybe maneuver other investments and utilize that negative to offset some of the gains so that can provide a bit of a tax advantage to moving funds around now for you as well.","start":1036.545,"end":1048.6101,"sentiment":"neutral","sentiment_score":0.06083204960677682},{"text":"Okay?","start":1048.6101,"end":1049.1101,"sentiment":"neutral","sentiment_score":0.1119237095117569},{"text":"Easy.","start":1050.29,"end":1050.79,"sentiment":"positive","sentiment_score":0.6032217741012573}],"sentiment":"neutral","sentiment_score":0.05415928243121631,"num_words":71,"start":1029.345,"end":1050.79},{"sentences":[{"text":"That's okay.","start":1051.3301,"end":1052.2301,"sentiment":"neutral","sentiment_score":0.31597578525543213},{"text":"If you have any questions, at all, let me know.","start":1052.29,"end":1054.7101,"sentiment":"neutral","sentiment_score":0.19690174609422684},{"text":"Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date.","start":1055.625,"end":1063.385,"sentiment":"positive","sentiment_score":0.41253063678741453},{"text":"And if it's not, I'll let you know.","start":1063.385,"end":1064.8251,"sentiment":"neutral","sentiment_score":0.1314273476600647},{"text":"We'll grab an update one.","start":1064.8251,"end":1067.7051,"sentiment":"neutral","sentiment_score":0.1259239286184311}],"sentiment":"neutral","sentiment_score":0.31200966238975525,"num_words":60,"start":1051.3301,"end":1067.7051},{"sentences":[{"text":"Okay?","start":1067.7051,"end":1068.2051,"sentiment":"neutral","sentiment_score":0.1062418594956398},{"text":"That's okay, Paul.","start":1070.18,"end":1071.3,"sentiment":"positive","sentiment_score":0.6353544195493063},{"text":"Thanks so much for your time.","start":1071.3,"end":1072.58,"sentiment":"positive","sentiment_score":0.8407606979211172},{"text":"If there is anything you need, let me know.","start":1072.58,"end":1074.5,"sentiment":"positive","sentiment_score":0.3852115174134572},{"text":"In the meantime, we'll get stuck into this research for you.","start":1074.5,"end":1077.24,"sentiment":"positive","sentiment_score":0.33357215469533746}],"sentiment":"positive","sentiment_score":0.4731022221346696,"num_words":30,"start":1067.7051,"end":1077.24},{"sentences":[{"text":"Thank you.","start":1078.98,"end":1079.54,"sentiment":"positive","sentiment_score":0.7157142758369446},{"text":"Talk soon.","start":1079.54,"end":1080.26,"sentiment":"positive","sentiment_score":0.44586408138275146},{"text":"See you later.","start":1080.26,"end":1081.0,"sentiment":"positive","sentiment_score":0.38621031244595844},{"text":"Bye.","start":1082.18,"end":1082.68,"sentiment":"neutral","sentiment_score":-0.09636599570512772}],"sentiment":"positive","sentiment_score":0.42317770700901747,"num_words":8,"start":1078.98,"end":1082.68}]}}]},{"alternatives":[{"transcript":"Hello? Paul Kite. Yeah. Good. Yourself? Yeah. Perfect. Yeah. It's good. Good. Really good. Yourself? Okay. Sure. Yes. Perfect. It's Paul Anthony Kite, twenty first nineteen seventy four. 44 Bearmore Court, Deborah 4521, Queensland. Yeah. Yeah. I haven't Wanna see how it's traveling, what what we need to do. Do we need to change anything? I haven't heard for a while, and market's a bit volatile at the moment. So just thought yeah. Yes. Oh, it's down, I down. Well, that's down. That's like that's like a third of when we last spoke. Yeah. It was up about last time we spoke, you said it gained in since we started 90,000, and now it's only up 36. Oh, okay. So what's the what's the whole total fitting at the moment? Yep. Yep. Yeah. Yeah. Yeah. Yeah. That's what I talk about. Yeah. It's just because I think I was getting I think I was I was getting, like, 7% just in my normal super fund. That's all. Yep. Yeah. No. That's alright. I was just I was just trying to work out. Yeah. I was just trying to work out if we just stay with you guys and just push it all back in super. That was all. No. Just just trying to work just trying to work out what you no. It's just that yeah. Just we were up 90 something thousand now right now. You know, we're 10,000 down the last time we spoke. That was all. Yep. Yeah. Yep. Yeah. Yeah. Yeah. That's alright. Because last time we talked, and I don't think I'm not sure if it happened, but we're talking about moving more over to, like, precious metals, like lithium and gold and silver and all that sort of stuff. But I don't think that there Yep. Okay. The other thing I was gonna ask, what do you know what the closing balance is online at the moment? The today? Okay. Yep. Alright. So we're down a bit. That's alright. Yeah. Okay. There's just a lot to think about then. Yep. Yeah. Well, I don't think anything got moved last time we spoke. We were talking about it, but not I don't think anything got moved. Like, I think this Yes. Yep. Yep. Yeah. That was just for the insurance. Just wanna just to keep the insurance. But yeah. Yeah. Yeah. Yep. Yep. Yeah. That's alright. Yeah. I've stopped it for a while. I stopped my service desk once for a while. Yeah. Yep. Yep. Yep. Yeah. Yep. That's it. Yeah. Correct. I think it's on the one 50 7. Yeah. Yeah. Just just have a look and see. Yeah. Just have a look at the investments and where, you know, if something's not performing, we probably need to move it out of there and put it somewhere else. Would be nice. Thanks. Yeah. Correct. Thank you. Yeah. If you like. Yeah. That'd be fine. Yeah. Yeah. Yeah. I'm pretty sure I sent it through. I sent it through last time with last it's not last time, the time before we spoke. K. Yeah. Yeah. That's alright. I think it took a while. It took a while to get it off and I had to keep, like, emailing them and thing, and it took a while. I think it took a lot longer than I expected to get information out. Yeah. Okay. Cool. Yes. Just as it is for now. Thank you very much. Yep. No. I've got a I've got a debt policy and a I got a couple of debt policies. Yeah. I got the one part policy. Yeah. So I think Marty, my wife's got two one part policies. So, yeah. Yeah. Correct. Yeah. Yep. Yeah. Okay. Cool. Thank you. We're pretty we're pretty right for all that. Thank you. Yeah. Yeah. We're we're good for that. No problem. Yep. That'd be good. Thank you. Yeah. Correct. Yep. Yeah. I'm still with that comfort level at the moment, mate. Yeah. I think so at the moment. Yeah. I think we I think we just move everything. I think we probably just move everything around a little bit, and then we'll just see where we are. Sort of midyear, we'll we'll sort of see where we are with everything, I guess. Yeah. Perfect. Perfect. Probably November. Yep. Yeah. I will do. Yeah. After after the financial year, I'll I'm gonna kick it back off again. Yep. Yep. Yeah. We can do that. I can I have a look? We'll just see we'll move everything across. We'll just change a few things and see where we are and then if it's performing yeah. Yes. Yeah. Okay. Yes. Yep. Perfect. No. That's no. That's alright. It's all good. I I just want to you know, like, I looked at a few things and just thought we should start moving stuff around. That was all. Yep. Okay. Awesome. Excellent. Thank you for that. Okay. Awesome. Thank you very much for that. Okay. Thank you very much. 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Paul Kite. Yeah. Good. Yourself?\n\nYeah. Perfect. Yeah. It's good. Good.\n\nReally good. Yourself? Okay. Sure. Yes.\n\nPerfect. It's Paul Anthony Kite, twenty first nineteen seventy four. 44 Bearmore Court, Deborah 4521, Queensland. Yeah. Yeah.\n\nI haven't Wanna see how it's traveling, what what we need to do. Do we need to change anything? I haven't heard for a while, and market's a bit volatile at the moment. So just thought yeah. Yes.\n\nOh, it's down, I down. Well, that's down. That's like that's like a third of when we last spoke. Yeah. It was up about last time we spoke, you said it gained in since we started 90,000, and now it's only up 36.\n\nOh, okay. So what's the what's the whole total fitting at the moment? Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. That's what I talk about. Yeah.\n\nIt's just because I think I was getting I think I was I was getting, like, 7% just in my normal super fund. That's all. Yep. Yeah. No.\n\nThat's alright. I was just I was just trying to work out. Yeah. I was just trying to work out if we just stay with you guys and just push it all back in super. That was all.\n\nNo. Just just trying to work just trying to work out what you no. It's just that yeah. Just we were up 90 something thousand now right now. You know, we're 10,000 down the last time we spoke.\n\nThat was all. Yep. Yeah. Yep. Yeah.\n\nYeah. Yeah. That's alright. Because last time we talked, and I don't think I'm not sure if it happened, but we're talking about moving more over to, like, precious metals, like lithium and gold and silver and all that sort of stuff. But I don't think that there Yep.\n\nOkay. The other thing I was gonna ask, what do you know what the closing balance is online at the moment? The today? Okay. Yep.\n\nAlright. So we're down a bit. That's alright. Yeah. Okay.\n\nThere's just a lot to think about then. Yep. Yeah. Well, I don't think anything got moved last time we spoke. We were talking about it, but not I don't think anything got moved.\n\nLike, I think this Yes. Yep. Yep. Yeah. That was just for the insurance.\n\nJust wanna just to keep the insurance. But yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. That's alright. Yeah. I've stopped it for a while.\n\nI stopped my service desk once for a while. Yeah. Yep. Yep. Yep.\n\nYeah. Yep. That's it. Yeah. Correct.\n\nI think it's on the one 50 7. Yeah. Yeah. Just just have a look and see. Yeah.\n\nJust have a look at the investments and where, you know, if something's not performing, we probably need to move it out of there and put it somewhere else. Would be nice. Thanks. Yeah. Correct.\n\nThank you. Yeah. If you like. Yeah. That'd be fine.\n\nYeah. Yeah. Yeah. I'm pretty sure I sent it through. I sent it through last time with last it's not last time, the time before we spoke.\n\nK. Yeah. Yeah. That's alright. I think it took a while.\n\nIt took a while to get it off and I had to keep, like, emailing them and thing, and it took a while. I think it took a lot longer than I expected to get information out. Yeah. Okay. Cool.\n\nYes. Just as it is for now. Thank you very much. Yep. No.\n\nI've got a I've got a debt policy and a I got a couple of debt policies. Yeah. I got the one part policy. Yeah. So I think Marty, my wife's got two one part policies.\n\nSo, yeah. Yeah. Correct. Yeah. Yep.\n\nYeah. Okay. Cool. Thank you. We're pretty we're pretty right for all that.\n\nThank you. Yeah. Yeah. We're we're good for that. No problem.\n\nYep. That'd be good. Thank you. Yeah. Correct.\n\nYep. Yeah. I'm still with that comfort level at the moment, mate. Yeah. I think so at the moment.\n\nYeah. I think we I think we just move everything. I think we probably just move everything around a little bit, and then we'll just see where we are. Sort of midyear, we'll we'll sort of see where we are with everything, I guess. Yeah.\n\nPerfect. Perfect. Probably November. Yep. Yeah.\n\nI will do. Yeah. After after the financial year, I'll I'm gonna kick it back off again. Yep. Yep.\n\nYeah. We can do that. I can I have a look? We'll just see we'll move everything across. We'll just change a few things and see where we are and then if it's performing yeah.\n\nYes. Yeah. Okay. Yes. Yep.\n\nPerfect. No. That's no. That's alright. It's all good.\n\nI I just want to you know, like, I looked at a few things and just thought we should start moving stuff around. That was all. Yep. Okay. Awesome.\n\nExcellent. Thank you for that. Okay. Awesome. Thank you very much for that.\n\nOkay. Thank you very much. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.01950402371585369},{"text":"Paul Kite.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.016210876405239105},{"text":"Yeah.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":0.19797170162200928},{"text":"Good.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.384435772895813},{"text":"Yourself?","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.27043813467025757}],"sentiment":"neutral","sentiment_score":0.15079523095240197,"num_words":6,"start":1.36,"end":7.3799996},{"sentences":[{"text":"Yeah.","start":12.719999,"end":12.96,"sentiment":"neutral","sentiment_score":0.15675929188728333},{"text":"Perfect.","start":12.96,"end":13.46,"sentiment":"positive","sentiment_score":0.35322028398513794},{"text":"Yeah.","start":16.525,"end":16.765,"sentiment":"neutral","sentiment_score":0.22993679344654083},{"text":"It's 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good.","start":17.645,"end":18.125,"sentiment":"positive","sentiment_score":0.4516541063785553},{"text":"Yourself?","start":18.125,"end":18.625,"sentiment":"neutral","sentiment_score":0.18879124522209167},{"text":"Okay.","start":22.205,"end":22.705,"sentiment":"neutral","sentiment_score":0.15438342094421387},{"text":"Sure.","start":23.165,"end":23.665,"sentiment":"neutral","sentiment_score":0.14283257722854614},{"text":"Yes.","start":31.94,"end":32.02,"sentiment":"neutral","sentiment_score":0.14681193232536316}],"sentiment":"neutral","sentiment_score":0.2560212314128876,"num_words":6,"start":17.645,"end":32.02},{"sentences":[{"text":"Perfect.","start":32.02,"end":32.52,"sentiment":"neutral","sentiment_score":0.261288583278656},{"text":"It's Paul Anthony Kite, twenty first nineteen seventy four.","start":41.78,"end":44.715,"sentiment":"neutral","sentiment_score":0.049460634175274104},{"text":"44 Bearmore Court, Deborah 4521, Queensland.","start":44.715,"end":48.175,"sentiment":"neutral","sentiment_score":0.01957635674625635},{"text":"Yeah.","start":56.155,"end":56.394997,"sentiment":"neutral","sentiment_score":0.0026717381551861763},{"text":"Yeah.","start":56.394997,"end":56.635,"sentiment":"neutral","sentiment_score":-0.015637006610631943}],"sentiment":"neutral","sentiment_score":0.04505150904878974,"num_words":18,"start":32.02,"end":56.635},{"sentences":[{"text":"I haven't Wanna see how it's traveling, what what we need to do.","start":56.635,"end":61.26,"sentiment":"neutral","sentiment_score":-0.027006180598758735},{"text":"Do we need to change anything?","start":61.26,"end":62.379997,"sentiment":"neutral","sentiment_score":-0.03335067008932432},{"text":"I haven't heard for a while, and market's a bit volatile at the moment.","start":62.379997,"end":65.259995,"sentiment":"neutral","sentiment_score":-0.07126669851796967},{"text":"So just thought yeah.","start":65.259995,"end":71.92,"sentiment":"neutral","sentiment_score":0.03342460002750158},{"text":"Yes.","start":86.235,"end":86.735,"sentiment":"positive","sentiment_score":0.4009905457496643}],"sentiment":"neutral","sentiment_score":-0.02669024215030827,"num_words":38,"start":56.635,"end":86.735},{"sentences":[{"text":"Oh, it's down, I down.","start":101.985,"end":104.245,"sentiment":"neutral","sentiment_score":0.04613377749919891},{"text":"Well, that's down.","start":104.465004,"end":106.305,"sentiment":"neutral","sentiment_score":-0.05338984106977781},{"text":"That's like that's like a third of when we last spoke.","start":106.305,"end":109.365,"sentiment":"neutral","sentiment_score":-0.08009287918155844},{"text":"Yeah.","start":112.545,"end":113.045,"sentiment":"neutral","sentiment_score":-0.036630649119615555},{"text":"It was up about last time we spoke, you said it gained in since we started 90,000, and now it's only up 36.","start":113.265,"end":120.14,"sentiment":"neutral","sentiment_score":-0.08239915375800236}],"sentiment":"neutral","sentiment_score":-0.06377519749451516,"num_words":43,"start":101.985,"end":120.14},{"sentences":[{"text":"Oh, okay.","start":125.479996,"end":125.88,"sentiment":"neutral","sentiment_score":0.004896594677120447},{"text":"So what's the what's the whole total fitting at the 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all.","start":206.20999,"end":207.03,"sentiment":"neutral","sentiment_score":-0.02828800491988659},{"text":"Yep.","start":225.48499,"end":225.98499,"sentiment":"neutral","sentiment_score":0.04143512994050979},{"text":"Yeah.","start":257.21,"end":257.71,"sentiment":"neutral","sentiment_score":-0.001851789653301239},{"text":"No.","start":257.93,"end":258.09,"sentiment":"neutral","sentiment_score":-0.0684405267238617}],"sentiment":"neutral","sentiment_score":0.052066071424633265,"num_words":28,"start":199.315,"end":258.09},{"sentences":[{"text":"That's alright.","start":258.09,"end":258.37,"sentiment":"neutral","sentiment_score":-0.06984445080161095},{"text":"I was just I was just trying to work out.","start":258.37,"end":260.19,"sentiment":"neutral","sentiment_score":-0.10013371631503105},{"text":"Yeah.","start":260.49,"end":260.97,"sentiment":"neutral","sentiment_score":-0.0177538450807333},{"text":"I was just trying to work out if we just stay with you guys and just push it all back in super.","start":260.97,"end":265.23,"sentiment":"neutral","sentiment_score":0.01824316585605795},{"text":"That was all.","start":265.61,"end":266.59,"sentiment":"neutral","sentiment_score":0.015836982677380245}],"sentiment":"neutral","sentiment_score":-0.018682087183390792,"num_words":38,"start":258.09,"end":266.59},{"sentences":[{"text":"No.","start":267.455,"end":267.695,"sentiment":"neutral","sentiment_score":-0.1334114968776703},{"text":"Just just trying to work just trying to work out what you no.","start":267.695,"end":272.175,"sentiment":"neutral","sentiment_score":-0.1440353852051955},{"text":"It's just that yeah.","start":272.175,"end":273.135,"sentiment":"neutral","sentiment_score":-0.1154038067907095},{"text":"Just we were up 90 something thousand now right now.","start":273.135,"end":276.095,"sentiment":"neutral","sentiment_score":-0.09189548157155514},{"text":"You know, we're 10,000 down the last time we 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we talked, and I don't think I'm not sure if it happened, but we're talking about moving more over to, like, precious metals, like lithium and gold and silver and all that sort of stuff.","start":360.065,"end":370.48,"sentiment":"neutral","sentiment_score":-0.005103890759576308},{"text":"But I don't think that there Yep.","start":370.48,"end":379.095,"sentiment":"neutral","sentiment_score":-0.11665489843913487}],"sentiment":"neutral","sentiment_score":-0.0150727369081305,"num_words":49,"start":358.705,"end":379.095},{"sentences":[{"text":"Okay.","start":415.13498,"end":415.63498,"sentiment":"neutral","sentiment_score":0.03230433538556099},{"text":"The other thing I was gonna ask, what do you know what the closing balance is online at the moment?","start":415.85498,"end":419.94998,"sentiment":"neutral","sentiment_score":0.014756986638531089},{"text":"The today?","start":419.94998,"end":420.61,"sentiment":"neutral","sentiment_score":0.024185946211218834},{"text":"Okay.","start":429.71,"end":430.21,"sentiment":"neutral","sentiment_score":0.10007712244987488},{"text":"Yep.","start":431.15,"end":431.63,"sentiment":"neutral","sentiment_score":0.11295588314533234}],"sentiment":"neutral","sentiment_score":0.023553958646953106,"num_words":25,"start":415.13498,"end":431.63},{"sentences":[{"text":"Alright.","start":431.63,"end":432.13,"sentiment":"neutral","sentiment_score":0.1088685542345047},{"text":"So we're down a bit.","start":432.425,"end":433.305,"sentiment":"neutral","sentiment_score":-0.05161742940545082},{"text":"That's alright.","start":433.305,"end":434.045,"sentiment":"neutral","sentiment_score":0.009381026029586792},{"text":"Yeah.","start":435.625,"end":436.125,"sentiment":"neutral","sentiment_score":0.01767135225236416},{"text":"Okay.","start":436.345,"end":436.845,"sentiment":"neutral","sentiment_score":0.013415452092885973}],"sentiment":"neutral","sentiment_score":-0.009936973638832568,"num_words":10,"start":431.63,"end":436.845},{"sentences":[{"text":"There's just a lot to think about then.","start":437.145,"end":439.005,"sentiment":"neutral","sentiment_score":-0.006955862394534051},{"text":"Yep.","start":455.64,"end":456.14,"sentiment":"neutral","sentiment_score":0.32705074548721313},{"text":"Yeah.","start":475.125,"end":475.625,"sentiment":"neutral","sentiment_score":0.04865187034010887},{"text":"Well, I don't think anything got moved last time we spoke.","start":475.685,"end":478.11,"sentiment":"neutral","sentiment_score":-0.08793803846294229},{"text":"We were talking about it, but not I don't think anything got moved.","start":478.11,"end":480.69,"sentiment":"neutral","sentiment_score":-0.10520298664386456}],"sentiment":"neutral","sentiment_score":-0.05926180978798691,"num_words":34,"start":437.145,"end":480.69},{"sentences":[{"text":"Like, I think this Yes.","start":481.87,"end":493.045,"sentiment":"neutral","sentiment_score":-0.05114337038248777},{"text":"Yep.","start":496.465,"end":496.965,"sentiment":"neutral","sentiment_score":-0.038218915462493896},{"text":"Yep.","start":505.93,"end":506.43,"sentiment":"neutral","sentiment_score":-0.0012414281954988835},{"text":"Yeah.","start":506.57,"end":506.72998,"sentiment":"neutral","sentiment_score":-0.0009825006127357485},{"text":"That was just for the insurance.","start":506.72998,"end":508.09,"sentiment":"neutral","sentiment_score":-0.017684943974018097}],"sentiment":"neutral","sentiment_score":-0.028733525716234,"num_words":14,"start":481.87,"end":508.09},{"sentences":[{"text":"Just wanna just to keep the 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alright.","start":534.18,"end":534.66,"sentiment":"neutral","sentiment_score":0.04997176118195057},{"text":"Yeah.","start":534.66,"end":534.82,"sentiment":"neutral","sentiment_score":0.029350396245718},{"text":"I've stopped it for a while.","start":534.82,"end":535.78,"sentiment":"neutral","sentiment_score":-0.03500111152728399}],"sentiment":"neutral","sentiment_score":-0.0010354779660701752,"num_words":11,"start":533.62,"end":535.78},{"sentences":[{"text":"I stopped my service desk once for a 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see.","start":580.385,"end":582.0,"sentiment":"neutral","sentiment_score":-0.008456218322472913},{"text":"Yeah.","start":582.32,"end":582.48,"sentiment":"neutral","sentiment_score":-0.01994899846613407}],"sentiment":"neutral","sentiment_score":0.012162504769447777,"num_words":18,"start":568.87006,"end":582.48},{"sentences":[{"text":"Just have a look at the investments and where, you know, if something's not performing, we probably need to move it out of there and put it somewhere else.","start":582.48,"end":589.6,"sentiment":"neutral","sentiment_score":-0.1126206255806931},{"text":"Would be 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fine.","start":610.995,"end":611.635,"sentiment":"neutral","sentiment_score":0.21113677819569907}],"sentiment":"neutral","sentiment_score":0.15304371044039727,"num_words":10,"start":598.195,"end":611.635},{"sentences":[{"text":"Yeah.","start":611.635,"end":612.135,"sentiment":"neutral","sentiment_score":0.08477473258972168},{"text":"Yeah.","start":620.05,"end":620.55,"sentiment":"neutral","sentiment_score":0.011098136194050312},{"text":"Yeah.","start":621.97003,"end":622.21,"sentiment":"neutral","sentiment_score":0.03521832078695297},{"text":"I'm pretty sure I sent it through.","start":622.21,"end":623.75,"sentiment":"neutral","sentiment_score":0.053197480738162994},{"text":"I sent it through last time with last it's not last time, the time before we spoke.","start":623.81,"end":627.195,"sentiment":"neutral","sentiment_score":-0.022977431797805953}],"sentiment":"neutral","sentiment_score":0.0041798968213023965,"num_words":27,"start":611.635,"end":627.195},{"sentences":[{"text":"K.","start":629.115,"end":629.615,"sentiment":"neutral","sentiment_score":0.010913237929344176},{"text":"Yeah.","start":639.915,"end":640.415,"sentiment":"neutral","sentiment_score":-0.10532459616661072},{"text":"Yeah.","start":644.94,"end":645.26,"sentiment":"neutral","sentiment_score":-0.1468786895275116},{"text":"That's alright.","start":645.26,"end":645.74,"sentiment":"neutral","sentiment_score":-0.14641569554805756},{"text":"I think it took a while.","start":645.74,"end":646.7,"sentiment":"neutral","sentiment_score":-0.19053501387437186}],"sentiment":"neutral","sentiment_score":-0.15248468382792038,"num_words":11,"start":629.115,"end":646.7},{"sentences":[{"text":"It took a while to get it off and I had to keep, like, emailing them and thing, and it took a while.","start":646.7,"end":651.57996,"sentiment":"neutral","sentiment_score":-0.18818472973678424},{"text":"I think it took a lot longer than I expected to get information out.","start":651.57996,"end":654.915,"sentiment":"neutral","sentiment_score":-0.3248051830700466},{"text":"Yeah.","start":666.355,"end":666.435,"sentiment":"neutral","sentiment_score":0.05848319828510285},{"text":"Okay.","start":666.435,"end":666.83496,"sentiment":"neutral","sentiment_score":0.115689218044281},{"text":"Cool.","start":666.83496,"end":667.33496,"sentiment":"neutral","sentiment_score":0.27418947219848633}],"sentiment":"neutral","sentiment_score":-0.21067898645997046,"num_words":40,"start":646.7,"end":667.33496},{"sentences":[{"text":"Yes.","start":686.565,"end":687.065,"sentiment":"neutral","sentiment_score":0.11323896050453186},{"text":"Just as it is for now.","start":697.01996,"end":698.06,"sentiment":"neutral","sentiment_score":0.09828938047091167},{"text":"Thank you very much.","start":698.06,"end":699.04,"sentiment":"positive","sentiment_score":0.5896667838096619},{"text":"Yep.","start":706.54,"end":707.04,"sentiment":"neutral","sentiment_score":0.06265057623386383},{"text":"No.","start":710.405,"end":710.645,"sentiment":"neutral","sentiment_score":-0.08169034123420715}],"sentiment":"neutral","sentiment_score":0.2340463548898697,"num_words":13,"start":686.565,"end":710.645},{"sentences":[{"text":"I've got a I've got a debt policy and a I got a couple of debt policies.","start":710.645,"end":715.865,"sentiment":"neutral","sentiment_score":-0.04536628065740361},{"text":"Yeah.","start":716.965,"end":717.205,"sentiment":"neutral","sentiment_score":0.00936826877295971},{"text":"I got the one part policy.","start":717.205,"end":718.485,"sentiment":"neutral","sentiment_score":0.0017799991182982922},{"text":"Yeah.","start":718.485,"end":718.805,"sentiment":"neutral","sentiment_score":-0.0004390561953186989},{"text":"So I think Marty, my wife's got two one part policies.","start":718.805,"end":722.825,"sentiment":"neutral","sentiment_score":-0.0021711546208032155}],"sentiment":"neutral","sentiment_score":-0.021541674019924056,"num_words":36,"start":710.645,"end":722.825},{"sentences":[{"text":"So, yeah.","start":723.045,"end":728.38,"sentiment":"neutral","sentiment_score":0.01436123251914978},{"text":"Yeah.","start":728.38,"end":728.77997,"sentiment":"neutral","sentiment_score":0.024991974234580994},{"text":"Correct.","start":728.77997,"end":729.27997,"sentiment":"neutral","sentiment_score":0.028362367302179337},{"text":"Yeah.","start":729.74,"end":730.24,"sentiment":"neutral","sentiment_score":-0.00030754972249269485},{"text":"Yep.","start":763.76996,"end":764.17,"sentiment":"neutral","sentiment_score":-0.0010418202728033066}],"sentiment":"neutral","sentiment_score":0.013454572763293982,"num_words":6,"start":723.045,"end":764.17},{"sentences":[{"text":"Yeah.","start":764.17,"end":764.67,"sentiment":"neutral","sentiment_score":0.00416065938770771},{"text":"Okay.","start":764.995,"end":765.315,"sentiment":"neutral","sentiment_score":0.007841885089874268},{"text":"Cool.","start":765.315,"end":765.715,"sentiment":"neutral","sentiment_score":-0.003902830183506012},{"text":"Thank you.","start":765.715,"end":769.895,"sentiment":"neutral","sentiment_score":-0.10922357998788357},{"text":"We're pretty we're pretty right for all that.","start":792.545,"end":794.785,"sentiment":"neutral","sentiment_score":0.2290885429829359}],"sentiment":"neutral","sentiment_score":0.12479699216783047,"num_words":13,"start":764.17,"end":794.785},{"sentences":[{"text":"Thank you.","start":794.785,"end":795.445,"sentiment":"positive","sentiment_score":0.4552912414073944},{"text":"Yeah.","start":796.145,"end":796.465,"sentiment":"neutral","sentiment_score":0.17060256004333496},{"text":"Yeah.","start":796.465,"end":796.705,"sentiment":"neutral","sentiment_score":0.29956164956092834},{"text":"We're we're good for that.","start":796.705,"end":798.085,"sentiment":"positive","sentiment_score":0.5841543197631835},{"text":"No problem.","start":798.225,"end":798.885,"sentiment":"neutral","sentiment_score":0.25498415529727936}],"sentiment":"positive","sentiment_score":0.4374078728935935,"num_words":11,"start":794.785,"end":798.885},{"sentences":[{"text":"Yep.","start":799.34503,"end":799.84503,"sentiment":"neutral","sentiment_score":0.1702050417661667},{"text":"That'd be good.","start":814.88995,"end":815.52997,"sentiment":"positive","sentiment_score":0.4441241919994354},{"text":"Thank you.","start":815.52997,"end":816.26996,"sentiment":"positive","sentiment_score":0.42776788771152496},{"text":"Yeah.","start":816.32996,"end":816.82996,"sentiment":"neutral","sentiment_score":0.1051221489906311},{"text":"Correct.","start":832.60004,"end":833.0,"sentiment":"neutral","sentiment_score":0.04468122869729996}],"sentiment":"neutral","sentiment_score":0.31348959635943174,"num_words":8,"start":799.34503,"end":833.0},{"sentences":[{"text":"Yep.","start":833.0,"end":833.5,"sentiment":"neutral","sentiment_score":0.03385405242443085},{"text":"Yeah.","start":859.35504,"end":859.67505,"sentiment":"neutral","sentiment_score":0.02392221987247467},{"text":"I'm still with that comfort level at the moment, mate.","start":859.67505,"end":862.99,"sentiment":"neutral","sentiment_score":0.016300809383392335},{"text":"Yeah.","start":869.20996,"end":869.61,"sentiment":"neutral","sentiment_score":-0.01425093412399292},{"text":"I think so at the moment.","start":869.61,"end":870.88995,"sentiment":"neutral","sentiment_score":-0.02221060482164224}],"sentiment":"neutral","sentiment_score":0.003856305425104342,"num_words":19,"start":833.0,"end":870.88995},{"sentences":[{"text":"Yeah.","start":870.88995,"end":871.38995,"sentiment":"neutral","sentiment_score":0.014509583823382854},{"text":"I think we I think we just move everything.","start":872.17,"end":873.94995,"sentiment":"neutral","sentiment_score":-0.00036178984575801424},{"text":"I think we probably just move everything around a little bit, and then we'll just see where we are.","start":874.08997,"end":878.675,"sentiment":"neutral","sentiment_score":0.011366678107725946},{"text":"Sort of midyear, we'll we'll sort of see where we are with everything, I guess.","start":878.675,"end":882.295,"sentiment":"neutral","sentiment_score":0.02326308290163676},{"text":"Yeah.","start":882.675,"end":883.175,"sentiment":"neutral","sentiment_score":0.1609766185283661}],"sentiment":"neutral","sentiment_score":0.016380960473583804,"num_words":45,"start":870.88995,"end":883.175},{"sentences":[{"text":"Perfect.","start":898.45,"end":898.95,"sentiment":"positive","sentiment_score":0.5546455383300781},{"text":"Perfect.","start":899.01,"end":899.51,"sentiment":"positive","sentiment_score":0.5307675004005432},{"text":"Probably November.","start":908.445,"end":909.265,"sentiment":"neutral","sentiment_score":0.0035587386228144178},{"text":"Yep.","start":912.52496,"end":913.005,"sentiment":"neutral","sentiment_score":0.038633495569229126},{"text":"Yeah.","start":913.005,"end":913.325,"sentiment":"neutral","sentiment_score":0.04342396929860115}],"sentiment":"neutral","sentiment_score":0.19576466347401342,"num_words":6,"start":898.45,"end":913.325},{"sentences":[{"text":"I will do.","start":913.325,"end":913.885,"sentiment":"neutral","sentiment_score":0.0662364773452282},{"text":"Yeah.","start":913.885,"end":914.205,"sentiment":"neutral","sentiment_score":0.02837837859988213},{"text":"After after the financial year, I'll I'm gonna kick it back off again.","start":914.205,"end":917.79,"sentiment":"neutral","sentiment_score":-0.016501302257753335},{"text":"Yep.","start":919.70996,"end":920.20996,"sentiment":"neutral","sentiment_score":0.13849738240242004},{"text":"Yep.","start":928.58997,"end":929.08997,"sentiment":"neutral","sentiment_score":0.016933001577854156}],"sentiment":"neutral","sentiment_score":0.008842171856055134,"num_words":19,"start":913.325,"end":929.08997},{"sentences":[{"text":"Yeah.","start":938.745,"end":939.065,"sentiment":"neutral","sentiment_score":0.051708806306123734},{"text":"We can do that.","start":939.065,"end":939.745,"sentiment":"neutral","sentiment_score":0.058383784256875515},{"text":"I can I have a look?","start":939.745,"end":940.665,"sentiment":"neutral","sentiment_score":0.039473614344994225},{"text":"We'll just see we'll move everything across.","start":940.665,"end":942.52496,"sentiment":"neutral","sentiment_score":0.053569161998374124},{"text":"We'll just change a few things and see where we are and then if it's performing yeah.","start":943.145,"end":949.83997,"sentiment":"neutral","sentiment_score":0.05633200836532256}],"sentiment":"neutral","sentiment_score":0.05299182587436267,"num_words":35,"start":938.745,"end":949.83997},{"sentences":[{"text":"Yes.","start":965.025,"end":965.525,"sentiment":"neutral","sentiment_score":0.12281490117311478},{"text":"Yeah.","start":973.27997,"end":973.77997,"sentiment":"neutral","sentiment_score":0.1520071029663086},{"text":"Okay.","start":975.19995,"end":975.69995,"sentiment":"neutral","sentiment_score":0.03359907120466232},{"text":"Yes.","start":978.39996,"end":978.89996,"sentiment":"neutral","sentiment_score":0.05885590612888336},{"text":"Yep.","start":992.96497,"end":993.285,"sentiment":"neutral","sentiment_score":0.1776672601699829}],"sentiment":"neutral","sentiment_score":0.10898884832859039,"num_words":5,"start":965.025,"end":993.285},{"sentences":[{"text":"Perfect.","start":993.285,"end":993.785,"sentiment":"positive","sentiment_score":0.5145704746246338},{"text":"No.","start":1001.63,"end":1001.95,"sentiment":"neutral","sentiment_score":-0.02767980471253395},{"text":"That's no.","start":1001.95,"end":1002.99,"sentiment":"neutral","sentiment_score":-0.013326436281204224},{"text":"That's alright.","start":1002.99,"end":1003.81,"sentiment":"neutral","sentiment_score":0.19339369237422943},{"text":"It's all good.","start":1003.87,"end":1004.43,"sentiment":"positive","sentiment_score":0.3678082327047984}],"sentiment":"neutral","sentiment_score":0.21671665335694948,"num_words":9,"start":993.285,"end":1004.43},{"sentences":[{"text":"I I just want to you know, like, I looked at a few things and just thought we should start moving stuff around.","start":1004.43,"end":1009.31,"sentiment":"neutral","sentiment_score":0.06200666223531184},{"text":"That was all.","start":1009.31,"end":1010.21,"sentiment":"neutral","sentiment_score":0.04069604972998301},{"text":"Yep.","start":1029.3301,"end":1029.8301,"sentiment":"neutral","sentiment_score":0.07550151646137238},{"text":"Okay.","start":1035.3301,"end":1035.8301,"sentiment":"neutral","sentiment_score":0.028093738481402397},{"text":"Awesome.","start":1049.0651,"end":1049.5651,"sentiment":"positive","sentiment_score":0.4754188656806946}],"sentiment":"neutral","sentiment_score":0.07335363797329623,"num_words":29,"start":1004.43,"end":1049.5651},{"sentences":[{"text":"Excellent.","start":1049.7051,"end":1050.105,"sentiment":"positive","sentiment_score":0.5541576743125916},{"text":"Thank you for that.","start":1050.105,"end":1051.165,"sentiment":"positive","sentiment_score":0.5749249309301376},{"text":"Okay.","start":1068.0199,"end":1068.4199,"sentiment":"neutral","sentiment_score":0.15979358553886414},{"text":"Awesome.","start":1068.4199,"end":1068.8999,"sentiment":"neutral","sentiment_score":0.13791406154632568},{"text":"Thank you very much for that.","start":1068.8999,"end":1070.36,"sentiment":"positive","sentiment_score":0.8558483521143595}],"sentiment":"positive","sentiment_score":0.6374350121388068,"num_words":13,"start":1049.7051,"end":1070.36},{"sentences":[{"text":"Okay.","start":1077.475,"end":1077.875,"sentiment":"positive","sentiment_score":0.3821544647216797},{"text":"Thank you very much.","start":1077.875,"end":1078.9349,"sentiment":"positive","sentiment_score":0.7597886025905609},{"text":"Bye.","start":1081.395,"end":1081.895,"sentiment":"neutral","sentiment_score":0.19291095435619351}],"sentiment":"positive","sentiment_score":0.6023699715733528,"num_words":6,"start":1077.475,"end":1081.895}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Paul Kite.\n\nChannel 0: Hi, Paula. It's Dana from OQ Financial. How are you today?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a catch up today. Is now still a good time there for you?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Oh, fantastic. How's your week been?\n\nChannel 1: Yeah. It's good. Good. Really good. Yourself?\n\nChannel 0: Yeah. It's good. Busy is where I like it, though.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Oh oh, good. Paul, before we get into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Yeah. Beautiful. And just to do security there with you as well, we are discussing your personal information. So to get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: It's Paul Anthony Kite, twenty first nineteen seventy four. 44 Bearmore Court, Deborah 4521, Queensland.\n\nChannel 0: Yep. Beautiful. Beautiful. Thank you so much for that. Paul, I had you booked in for a bit of a catch up.\n\nThe team let me know you wanted to have a bit of a chat about your investments.\n\nChannel 1: Yeah.\n\nChannel 0: How\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: haven't\n\nChannel 0: help? Just so yeah. You're right.\n\nChannel 1: Wanna see how it's traveling, what what we need to do. Do we need to change anything? I haven't heard for a while, and market's\n\nChannel 0: Yeah.\n\nChannel 1: a bit\n\nChannel 0: Yeah.\n\nChannel 1: volatile at the moment. So\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Absolutely.\n\nChannel 1: thought\n\nChannel 0: No. Not a problem at all. I had a quick look at the report to see what was sorta happening. So\n\nChannel 1: yeah.\n\nChannel 0: over the last twelve months there, you have gained a positive return of about 7.1 sorry. 7.51, so you have 24, which is a good solid return because there are no contributions going into there. Everything is into the ART fund. So that\n\nChannel 1: Yes.\n\nChannel 0: is just what the portfolio has done, which is fantastic. As a dollar figure because some people prefer a dollar figure over a percentage, but it shows the total earnings for the growth and the income within the portfolio for the last twelve months is 36,652. So it has\n\nChannel 1: Oh,\n\nChannel 0: done very\n\nChannel 1: it's\n\nChannel 0: well.\n\nChannel 1: down, I down. Well, that's\n\nChannel 0: When\n\nChannel 1: down.\n\nChannel 0: when\n\nChannel 1: That's like that's like a third of when we last spoke.\n\nChannel 0: what's that? The growth?\n\nChannel 1: Yeah. It was up about last time we spoke, you said it gained in since we started 90,000, and now it's only up 36.\n\nChannel 0: That's in the last 12, so that's not total over the course of since inception.\n\nChannel 1: Oh, okay. So what's the what's the whole total\n\nChannel 0: From\n\nChannel 1: fitting at the\n\nChannel 0: inception,\n\nChannel 1: moment?\n\nChannel 0: it's up total earnings is 83,768. So you're up over 18.81% since onboarding back in 2024. So it's essentially giving you a compounded return over the last two years of about bit over 9% there. And in a high growth portfolio, that's essentially what you're looking for. We're looking for an average return of around about an eight to 10%.\n\nSo 9% each year is within that. Admittedly,\n\nChannel 1: Yep.\n\nChannel 0: with the volatility, we do see things are going up and down. Whilst you've had a good positive return for this year, there is one investment in there that's been along Australian equities, which has had a bit of volatility over the last couple of months and had a bit of a pullback at the end of last year too due to some underlying issues with their underlying investments.\n\nChannel 1: Yep.\n\nChannel 0: Once we sort of made notification of that, our investment committee's had a bit of a meeting. We do wanna remove you out of that Benelon Australian Equities. So I do would would like to go back, have a look at what you've got in the portfolio, maybe look at what might be performing a bit better, you know,\n\nChannel 1: Yeah.\n\nChannel 0: history\n\nChannel 1: Yeah.\n\nChannel 0: wise, and see if there's some ways to shuffle some things around for you. You're comfortable with me looking at that?\n\nChannel 1: Yeah. Yeah. That's what I talk about. Yeah. It's\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: just\n\nChannel 0: Lovely.\n\nChannel 1: because I think\n\nChannel 0: Well,\n\nChannel 1: I was\n\nChannel 0: I'll definitely\n\nChannel 1: getting I think\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: was\n\nChannel 0: look.\n\nChannel 1: I was getting, like,\n\nChannel 0: Yeah.\n\nChannel 1: 7% just in my normal super fund. That's all.\n\nChannel 0: Well, having a bit of a look in the ART fund at the moment, they have and their disclosures are a bit behind as of the January 31. Their high growth pool is well, they're saying 7.75%. They're\n\nChannel 1: Yep.\n\nChannel 0: giving you a gross so a gross return, so before fees, and this is looking at the average of what that portfolio has returned. So it's not specific to your account. The main sort of advantage to the one that we're giving you with hub twenty four is that is up to date. It's up until the twenty fourth. So as of this morning, for the last twelve months there, it's also a net return, so after factoring in fees.\n\nSo if you've got a 7% return 7.51% return after fees, then you've obviously made a higher return on top of that with the fees included. So\n\nChannel 1: Yeah. No.\n\nChannel 0: there\n\nChannel 1: That's alright.\n\nChannel 0: there\n\nChannel 1: I was\n\nChannel 0: are\n\nChannel 1: just\n\nChannel 0: definitely\n\nChannel 1: I was just trying\n\nChannel 0: differences.\n\nChannel 1: to work out. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I was just trying to work out if we just stay with you guys and just push it all back in super. That\n\nChannel 0: It's\n\nChannel 1: was\n\nChannel 0: completely\n\nChannel 1: all.\n\nChannel 0: up to you. Yeah. Look.\n\nChannel 1: No.\n\nChannel 0: It's\n\nChannel 1: Just\n\nChannel 0: completely\n\nChannel 1: just trying\n\nChannel 0: up\n\nChannel 1: to\n\nChannel 0: to\n\nChannel 1: work\n\nChannel 0: you\n\nChannel 1: just trying to\n\nChannel 0: by\n\nChannel 1: work\n\nChannel 0: no\n\nChannel 1: out what\n\nChannel 0: means\n\nChannel 1: you\n\nChannel 0: required to. Yeah. Yeah.\n\nChannel 1: no. It's just that yeah. Just we were up 90 something thousand now right now. You know, we're 10,000 down the last time we spoke. That was all.\n\nChannel 0: Yeah. And that's one of the things because you are in the high growth environment, you are taking a bit more risk in the market. So you are\n\nChannel 1: Yep.\n\nChannel 0: gonna see times when markets are maybe not performing as well. And the higher your balance goes, the more you're gonna feel the effect of those ups and downs as well. As you can imagine, if someone with a $50,000 balance, if they get a 5% return, it's a much smaller return as opposed to someone with $500,000 who gets that same 5% return.\n\nChannel 1: Yeah.\n\nChannel 0: So it is you are feeling things a little bit more because your balance is a lot higher. Smaller market changes have a bigger reaction for you, but in saying that you haven't actually lost any money because while some investments might not be performing, others are performing really well. At the\n\nChannel 1: Yep.\n\nChannel 0: moment, if I sort of break down the investment portfolio, the bet along Australian equities, yes, it is showing down pretty significantly on your portfolio. It's down by the 18% there. But if you look at other investments like your battery and lithium tech, that's up by over 67%. Your physical goal is up over 57%. So a lot of your other investments are working at the same time that others aren't, and that's what diversification's about.\n\nIt's about making sure you're spreading your risk level. So if the Australian equity portion isn't working as well or has had a bit of a dip, that you've\n\nChannel 1: Yeah.\n\nChannel 0: got other investments like physical gold, maybe some US equities, some Japanese equities that might be doing better or, hopefully, are gonna be doing better to offset that downtime. Does that make sense?\n\nChannel 1: Yeah. Yeah. That's alright.\n\nChannel 0: Yeah.\n\nChannel 1: Because last time we talked, and I don't think I'm not sure if it happened, but we're talking about moving more over to, like, precious metals, like lithium and gold and silver and all that sort of stuff. But\n\nChannel 0: Yep. You\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: don't think\n\nChannel 0: definitely\n\nChannel 1: that there\n\nChannel 0: do have quite you do have some battery and lithium tech in this. You do have a bit of the lithium exposure, and you've got\n\nChannel 1: Yep.\n\nChannel 0: some physical gold. We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things. It's just that the only downside with having more of those sorts of investments is that then they're only growth producing. There's no income production in within them. And one of the make sure you're still producing income so it can be reinvested back for compounding effect.\n\nBecause growth only, it it's great. Like, it gives you that, you know, change in investment prices is great, but you don't really see the physical side of growth until you submit those those consequences until you sell the asset, essentially.\n\nChannel 1: Okay. The other thing I was\n\nChannel 0: Yeah.\n\nChannel 1: gonna ask, what do you know what the closing balance is online at the moment? The\n\nChannel 0: Yeah.\n\nChannel 1: today?\n\nChannel 0: Absolutely. So the balance as of today is $4,421,108.\n\nChannel 1: Okay. Yep. Alright. So we're down a bit. That's alright.\n\nYeah. Okay. There's just a lot to think about then.\n\nChannel 0: Yeah. Like I said, it's completely up to you. You're never required to stay on board as a client. If you're comfortable, you wanna move everything back to ART, that's completely your decision. If you decide that's what you wanna do, you can let us know.\n\nWe can turn our fees off and help you move everything back. In\n\nChannel 1: Yep.\n\nChannel 0: saying that if you like, I can go back and update the advice, maybe look at some of the investments within there, within Hub twenty four and look at maybe maneuvering some things for you and updating the advice. It does take a bit a couple of weeks to go back and do the research required to update the advice there. But if you'd like me to, I'm more than happy to do so. What would you like to do so\n\nChannel 1: Yeah. Well, I don't think anything got moved last time we spoke. We were talking about it, but not I don't think anything got moved. Like,\n\nChannel 0: far?\n\nChannel 1: I think\n\nChannel 0: Last\n\nChannel 1: this\n\nChannel 0: time, the no. Because the last advice document was to consolidate your funds into one and move your insurances over to have 24. There was no recommendation\n\nChannel 1: Yes.\n\nChannel 0: to alter the investments because they were working fine at the time.\n\nChannel 1: Yep.\n\nChannel 0: And, unfortunately, you chose not to take on the advice back then, so nothing got changed or altered. Everything sort of stayed as it was as per your direction.\n\nChannel 1: Yep.\n\nChannel 0: It's\n\nChannel 1: Yeah. That\n\nChannel 0: up\n\nChannel 1: was\n\nChannel 0: to\n\nChannel 1: just\n\nChannel 0: you.\n\nChannel 1: for the insurance. Just wanna just to\n\nChannel 0: Well,\n\nChannel 1: keep\n\nChannel 0: that\n\nChannel 1: the insurance.\n\nChannel 0: and to consolidate\n\nChannel 1: But yeah.\n\nChannel 0: yeah. It was advised\n\nChannel 1: Yeah.\n\nChannel 0: to consolidate the insurances into HAB twenty four. Keep everything\n\nChannel 1: Yeah.\n\nChannel 0: the same, but move the insurances over. Consolidate your ART into one because having everything in one place still gives you diversification there\n\nChannel 1: Yep.\n\nChannel 0: and was saving you a bit in fees as well. Having the two funds, you are paying two lots of fees. Then the recommendation was also to reduce the salary sacrifice so you didn't exceed the cap there.\n\nChannel 1: Yep. Yeah. That's alright. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've stopped it for a while. I stopped my service desk once\n\nChannel 0: You\n\nChannel 1: for\n\nChannel 0: have?\n\nChannel 1: a while.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Nice.\n\nChannel 1: Yep.\n\nChannel 0: Nice. No. That's okay. Perfect. So at the moment, your income just having a look at to make sure I've got all the updated information here for you.\n\nChannel 1: Yep.\n\nChannel 0: Your income there, I've got you on about 176,000. Is that right? It's your\n\nChannel 1: Yep. Yeah.\n\nChannel 0: gross income?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: And your base, 157?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yep. Perfect. So are you getting employer contributions on the full one seventy six or just on the one fifty seven?\n\nChannel 1: I think it's on the one\n\nChannel 0: The January.\n\nChannel 1: 50\n\nChannel 0: Perfect.\n\nChannel 1: 7. Yeah.\n\nChannel 0: Yep. Lovely. All good. Well, would you like us to go back and maybe update the advice and have a look at the investments, or did you want\n\nChannel 1: Yeah.\n\nChannel 0: some time\n\nChannel 1: Just\n\nChannel 0: to think about\n\nChannel 1: just\n\nChannel 0: what\n\nChannel 1: have\n\nChannel 0: you\n\nChannel 1: a look\n\nChannel 0: wanna\n\nChannel 1: and\n\nChannel 0: do?\n\nChannel 1: see. Yeah. Just have a look at the investments and where, you know, if something's not performing, we probably need to move it out of there and put\n\nChannel 0: Mhmm.\n\nChannel 1: it somewhere else. Would be nice.\n\nChannel 0: Yep.\n\nChannel 1: Thanks.\n\nChannel 0: Yep. That's okay. With retaining the Australian retirement trust, you're happy, you wanna keep that open for the time being as well?\n\nChannel 1: Yeah. Correct. Thank\n\nChannel 0: Yep. Did you want us to have a look at the investments within there to make sure that between the two accounts that you are\n\nChannel 1: you.\n\nChannel 0: invested in the correct risk profile?\n\nChannel 1: Yeah. If you like. Yeah. That'd be fine. Yeah.\n\nChannel 0: Yep. I think the team did ask for a statement to be sent through last time they spoke. Have you\n\nChannel 1: Yeah.\n\nChannel 0: had a chance to send that through at all yet?\n\nChannel 1: Yeah. I'm pretty sure I sent it through. I sent it through\n\nChannel 0: Okay.\n\nChannel 1: last time\n\nChannel 0: No\n\nChannel 1: with\n\nChannel 0: worries.\n\nChannel 1: last it's not last time, the time before we spoke.\n\nChannel 0: Okay. No. That's alright.\n\nChannel 1: K.\n\nChannel 0: Just I'll go back and double check if they do need an updated statement because, realistically, we need statements to be within a certain time frame, normally, around about sort of that ninety day period.\n\nChannel 1: Yeah.\n\nChannel 0: As statements outside of that just are a bit old for information wise.\n\nChannel 1: Yeah. That's alright. I think it took a while. It took a while to get it off and I had to keep,\n\nChannel 0: Okay.\n\nChannel 1: like, emailing them and thing, and it took a while. I think it took a lot longer than I expected to get information out.\n\nChannel 0: Yeah. No. That's okay. I will get the team to have a look at that for you. If they do require an updated statement, I'll make sure someone does that is in contact with you to obtain it.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: What\n\nChannel 1: Cool.\n\nChannel 0: we can do is we can have a look at the two accounts, see what you're invested in within ART and also within Hub twenty four. If we're maneuvering investments here, we wanna make sure between the two accounts that you're not overexposed or taking on too much risk. So, there may be a recommendation to alter the investments within the ART fund if we feel that's appropriate. You're okay with me looking at that for you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Fantastic. And you wanna keep the ART insurances. Did you want us to look at maybe moving those, or are you happy to keep the cover as it is?\n\nChannel 1: Just as it is for now. Thank you very much.\n\nChannel 0: As it is. Yeah. Perfect. And you've only got the income sorry. The TBD and the life cover within ART.\n\nYou're comfortable\n\nChannel 1: Yep.\n\nChannel 0: just with the cover you have? You don't wanna\n\nChannel 1: No. I've got a I've got a debt policy and a I got a couple of\n\nChannel 0: yeah.\n\nChannel 1: debt\n\nChannel 0: You got\n\nChannel 1: policies.\n\nChannel 0: the one pass policy there as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: I got the\n\nChannel 0: Yeah.\n\nChannel 1: one part policy. Yeah. So I think\n\nChannel 0: Yep.\n\nChannel 1: Marty, my wife's got two one part policies. So,\n\nChannel 0: Yep. Yep. You've got through one pass there the life cover and the trauma cover.\n\nChannel 1: yeah. Yeah. Correct. Yeah.\n\nChannel 0: So sorry. And the within ART, you've got a bit of life cover and a bit of TBD cover. Just so you're full fully aware with TBD, if anything was to happen and you do claim on TBD, it is also taxable, so it can be taxed up to 22%. If you were to make a claim on that at any point, let us know. We can definitely help to provide advice to help minimize the tax consequences.\n\nBut it does mean that the amount of cover that you have, if you take it as a lump sum, you're not likely to receive that exact amount. So just wanted to make sure you're fully aware of that. Okay.\n\nChannel 1: Yep. Yeah. Okay. Cool.\n\nChannel 0: Unfortunately,\n\nChannel 1: Thank\n\nChannel 0: the AC is coming in all directions.\n\nChannel 1: you.\n\nChannel 0: And you've got sorry. I'm just having a look. It looks like there's no just sort of going back to my notes on our last catch up, there's no income protection that you've got at all, even if that you were not working. Do you have, you know, savings, long service leave, or anything you could fall back on? How would you sort of support yourself if you were not working in the short term?\n\nChannel 1: We're pretty we're pretty right for all that. Thank you.\n\nChannel 0: Pretty right? Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Yeah. We're\n\nChannel 0: Beautiful.\n\nChannel 1: we're good for that. No problem.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: No worries. All good. Perfect. So easy. So the insurance is all comfortable with keeping them exactly the same.\n\nI can go back and have a look at the investments within the ART fund as well as hub twenty four, look at maybe maneuvering or moving out some underperforming funds there for you.\n\nChannel 1: That'd be good. Thank you. Yeah.\n\nChannel 0: Yeah. That's okay. I just also wanted to do a new risk profile questionnaire with you just to sort of gauge whether we've gotta make any changes to your portfolio for you or not. In ART, as I mentioned before, you're in that high growth pool there. With\n\nChannel 1: Correct.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: investments within Hub twenty four, you're in more of a growth portfolio. So that's about 80% in those growth, high growth investments, things like Australian shares, international shares, listed property, and commodities there, and then still giving you sort of 20% defensive lower risk kind of investment. So just wanted to kinda go through and just have a look to see whether we maybe need to change that risk profile for you at all or whether that's still your comfort level. Okay?\n\nChannel 1: Yeah. I'm still with that comfort level at the moment, mate.\n\nChannel 0: Yeah. You you don't wanna sort of look at your comfortable with the the gross side of things, the the 20%?\n\nChannel 1: Yeah. I think so at the moment. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think we I\n\nChannel 0: Did\n\nChannel 1: think\n\nChannel 0: you\n\nChannel 1: we\n\nChannel 0: want\n\nChannel 1: just move everything. I think we probably just move everything around a little bit, and then\n\nChannel 0: yep.\n\nChannel 1: we'll just see where we are. Sort of midyear, we'll we'll sort of see where we are with everything,\n\nChannel 0: Okay.\n\nChannel 1: I guess.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's fine. Not a problem at all. As I mentioned, it will take me a couple of weeks to do the to do the the research properly before we update the advice. As soon as we have the advice updated and ready to go, my team will book you in, and we'll go through that together so you can have a look at what we're recommending, how, and why. Okay?\n\nChannel 1: Perfect. Perfect.\n\nChannel 0: All good. And, sorry, last thing is you did mention you've stopped that salary sacrifice at the moment. When did you last contribute self sacrifice?\n\nChannel 1: Probably November.\n\nChannel 0: November. Lovely. Any plans to start that up\n\nChannel 1: Yep.\n\nChannel 0: again\n\nChannel 1: Yeah. I\n\nChannel 0: shortly?\n\nChannel 1: will do. Yeah. After after the\n\nChannel 0: Yep.\n\nChannel 1: financial year, I'll I'm gonna kick it back off again.\n\nChannel 0: Next financial year. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. All good. And with the AIT, normally, when we are retaining, we wanna keep moving money into hub twenty four as well to keep money being invested. We would\n\nChannel 1: Yep.\n\nChannel 0: normally only leave about 10,000 or a little bit more behind in ART. Are you comfortable with us updating the recommendation and having some funds moved over into hub twenty four?\n\nChannel 1: Yeah. We can do that. I can I have a look? We'll just see we'll move everything across. We'll just change a few things and see where we are and then\n\nChannel 0: Would just part\n\nChannel 1: if\n\nChannel 0: of\n\nChannel 1: it's\n\nChannel 0: the recommendations\n\nChannel 1: performing\n\nChannel 0: because if we\n\nChannel 1: yeah.\n\nChannel 0: are recommending that you retain as you wanted the two funds, having hub working the way it is, and look, it's doing great. It's actually performing really well for not having any contributions going in. But, normally, when we are retaining because your contributions are going into ART, part\n\nChannel 1: Yes.\n\nChannel 0: of dollar cost averaging and making investments work is to keep contributing as well. That's how, you know, long term investing works to your benefit for you and compounding\n\nChannel 1: Yeah.\n\nChannel 0: effect works. So\n\nChannel 1: Okay.\n\nChannel 0: we do need to update the advice to reflect that. So I just wanna\n\nChannel 1: Yes.\n\nChannel 0: also make sure the recommendations are in there that will tell you how much we wanna leave in ART and making sure money is continuously moved over into Hub 24 to keep that keep that working and take advantage of downtimes that we see as well. Does that make sense?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yeah. Perfect. All good. Well, I'll go back into all that research for you. Do you have any questions for me at the moment, Paul?\n\nIs there anything else that I maybe\n\nChannel 1: No.\n\nChannel 0: haven't\n\nChannel 1: That's\n\nChannel 0: touched base\n\nChannel 1: no.\n\nChannel 0: on?\n\nChannel 1: That's alright. It's all good.\n\nChannel 0: Yep.\n\nChannel 1: I I just want to you know, like, I looked at a few things and just thought we should start moving stuff around. That\n\nChannel 0: Yeah.\n\nChannel 1: was all.\n\nChannel 0: Absolutely. And we do wanna we yeah. The last couple of months have been last couple of years have been fantastic, but the last couple of months, there has been a bit of volatility or out and about there. So it is definitely worth updating things for you, and we did want to. We're just sort of trying to touch base with everyone as we can because there's a lot of people to get through.\n\nChannel 1: Yep.\n\nChannel 0: But your portfolio is actually still performing quite well even though that one investment's seen a little bit of a downtime. So we'll see what\n\nChannel 1: Okay.\n\nChannel 0: we can do. While it is down, we can look to maybe maneuver other investments and utilize that negative to offset some of the gains so that can provide a bit of a tax advantage to moving funds around now for you as well. Okay?\n\nChannel 1: Awesome. Excellent. Thank\n\nChannel 0: Easy.\n\nChannel 1: you for that.\n\nChannel 0: That's okay. If you have any questions, at all, let me know. Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date. And if it's not, I'll let you know. We'll grab an update one.\n\nOkay?\n\nChannel 1: Okay. Awesome. Thank you very much for that.\n\nChannel 0: That's okay, Paul. Thanks so much for your time. If there is anything you need, let me know. In the meantime, we'll get stuck into this research for you.\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: Thank you. Talk soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.01950402371585369},{"text":"Paul Kite.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.016210876405239105}],"sentiment":"neutral","sentiment_score":0.017308592175443966,"channel":1,"num_words":3,"start":1.36,"end":2.6599998},{"sentences":[{"text":"Hi, Paula.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1251593865454197},{"text":"It's Dana from OQ Financial.","start":3.6799998,"end":5.04,"sentiment":"neutral","sentiment_score":0.14895105361938477},{"text":"How are you today?","start":5.04,"end":6.02,"sentiment":"neutral","sentiment_score":0.18309135735034943}],"sentiment":"neutral","sentiment_score":0.1570399518717419,"channel":0,"num_words":11,"start":2.96,"end":6.02},{"sentences":[{"text":"Yeah.","start":6.24,"end":6.56,"sentiment":"neutral","sentiment_score":0.19797170162200928},{"text":"Good.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.384435772895813},{"text":"Yourself?","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.27043813467025757}],"sentiment":"neutral","sentiment_score":0.2842818697293599,"channel":1,"num_words":3,"start":6.24,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6158702572186788},{"text":"Thank you.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.6692993640899658},{"text":"I had you booked in for a bit of a catch up today.","start":8.88,"end":10.8,"sentiment":"neutral","sentiment_score":0.2804924627909294},{"text":"Is now still a good time there for you?","start":10.8,"end":12.74,"sentiment":"neutral","sentiment_score":0.21125450730323792}],"sentiment":"neutral","sentiment_score":0.3234778548832293,"channel":0,"num_words":27,"start":7.52,"end":12.74},{"sentences":[{"text":"Yeah.","start":12.719999,"end":12.96,"sentiment":"neutral","sentiment_score":0.15675929188728333},{"text":"Perfect.","start":12.96,"end":13.46,"sentiment":"positive","sentiment_score":0.35322028398513794}],"sentiment":"neutral","sentiment_score":0.25498978793621063,"channel":1,"num_words":2,"start":12.719999,"end":13.46},{"sentences":[{"text":"Oh, fantastic.","start":14.105,"end":14.344999,"sentiment":"positive","sentiment_score":0.4350515902042389},{"text":"How's your week been?","start":14.344999,"end":16.205,"sentiment":"neutral","sentiment_score":0.23398398980498314}],"sentiment":"neutral","sentiment_score":0.3010065232714017,"channel":0,"num_words":6,"start":14.105,"end":16.205},{"sentences":[{"text":"Yeah.","start":16.525,"end":16.765,"sentiment":"neutral","sentiment_score":0.22993679344654083},{"text":"It's good.","start":16.765,"end":17.325,"sentiment":"positive","sentiment_score":0.3906421363353729},{"text":"Good.","start":17.325,"end":17.645,"sentiment":"positive","sentiment_score":0.4418450891971588},{"text":"Really good.","start":17.645,"end":18.125,"sentiment":"positive","sentiment_score":0.4516541063785553},{"text":"Yourself?","start":18.125,"end":18.625,"sentiment":"neutral","sentiment_score":0.18879124522209167}],"sentiment":"positive","sentiment_score":0.3635950876133783,"channel":1,"num_words":7,"start":16.525,"end":18.625},{"sentences":[{"text":"Yeah.","start":18.904999,"end":19.224998,"sentiment":"neutral","sentiment_score":0.20511651039123535},{"text":"It's good.","start":19.224998,"end":19.705,"sentiment":"neutral","sentiment_score":0.30869242548942566},{"text":"Busy is where I like it, though.","start":19.705,"end":21.404999,"sentiment":"neutral","sentiment_score":0.2694416620901653}],"sentiment":"neutral","sentiment_score":0.27085929960012434,"channel":0,"num_words":10,"start":18.904999,"end":21.404999},{"sentences":[{"text":"Okay.","start":22.205,"end":22.705,"sentiment":"neutral","sentiment_score":0.15438342094421387},{"text":"Sure.","start":23.165,"end":23.665,"sentiment":"neutral","sentiment_score":0.14283257722854614}],"sentiment":"neutral","sentiment_score":0.14860799908638,"channel":1,"num_words":2,"start":22.205,"end":23.665},{"sentences":[{"text":"Oh oh, good.","start":23.704998,"end":24.985,"sentiment":"neutral","sentiment_score":0.17931855221589407},{"text":"Paul, before we get into the call, just to let you know, we do record our calls for quality and training purposes.","start":24.985,"end":29.380001,"sentiment":"neutral","sentiment_score":0.08756005594676192},{"text":"Are you happy for us to proceed with that?","start":29.380001,"end":31.44,"sentiment":"neutral","sentiment_score":0.13087559739748636}],"sentiment":"neutral","sentiment_score":0.10712227247217122,"channel":0,"num_words":34,"start":23.704998,"end":31.44},{"sentences":[{"text":"Yes.","start":31.94,"end":32.02,"sentiment":"neutral","sentiment_score":0.14681193232536316},{"text":"Perfect.","start":32.02,"end":32.52,"sentiment":"neutral","sentiment_score":0.261288583278656}],"sentiment":"neutral","sentiment_score":0.20405025780200958,"channel":1,"num_words":2,"start":31.94,"end":32.52},{"sentences":[{"text":"Yeah.","start":32.7,"end":33.1,"sentiment":"neutral","sentiment_score":0.20896419882774353},{"text":"Beautiful.","start":33.1,"end":33.42,"sentiment":"positive","sentiment_score":0.3841693103313446},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":33.42,"end":36.86,"sentiment":"neutral","sentiment_score":0.14919820288196206},{"text":"So to get you to confirm your full name, your date of birth, and address I should have on file.","start":36.86,"end":40.88,"sentiment":"neutral","sentiment_score":0.10071487277746201}],"sentiment":"neutral","sentiment_score":0.1314369002847295,"channel":0,"num_words":38,"start":32.7,"end":40.88},{"sentences":[{"text":"It's Paul Anthony Kite, twenty first nineteen seventy four.","start":41.78,"end":44.715,"sentiment":"neutral","sentiment_score":0.049460634175274104},{"text":"44 Bearmore Court, Deborah 4521, Queensland.","start":44.715,"end":48.175,"sentiment":"neutral","sentiment_score":0.01957635674625635}],"sentiment":"neutral","sentiment_score":0.037506923203667004,"channel":1,"num_words":15,"start":41.78,"end":48.175},{"sentences":[{"text":"Yep.","start":47.745003,"end":48.225002,"sentiment":"neutral","sentiment_score":0.09982671588659286},{"text":"Beautiful.","start":48.225002,"end":48.725002,"sentiment":"neutral","sentiment_score":0.3281470537185669},{"text":"Beautiful.","start":48.945,"end":49.445,"sentiment":"positive","sentiment_score":0.3882288336753845},{"text":"Thank you so much for that.","start":49.585003,"end":51.025,"sentiment":"positive","sentiment_score":0.4988132019837697},{"text":"Paul, I had you booked in for a bit of a catch up.","start":51.025,"end":52.785004,"sentiment":"neutral","sentiment_score":0.1347866700245784}],"sentiment":"neutral","sentiment_score":0.2527867511592128,"channel":0,"num_words":22,"start":47.745003,"end":52.785004},{"sentences":[{"text":"The team let me know you wanted to have a bit of a chat about your 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through.","start":1024.3401,"end":1029.045,"sentiment":"neutral","sentiment_score":0.07771780748258937}],"sentiment":"neutral","sentiment_score":0.0605669970313708,"channel":0,"num_words":75,"start":1010.58,"end":1029.045},{"sentences":[{"text":"Yep.","start":1029.3301,"end":1029.8301,"sentiment":"neutral","sentiment_score":0.07550151646137238}],"sentiment":"neutral","sentiment_score":0.07550151646137238,"channel":1,"num_words":1,"start":1029.3301,"end":1029.8301},{"sentences":[{"text":"But your portfolio is actually still performing quite well even though that one investment's seen a little bit of a downtime.","start":1029.345,"end":1034.645,"sentiment":"neutral","sentiment_score":0.024410456064201537},{"text":"So we'll see what","start":1034.705,"end":1035.425,"sentiment":"neutral","sentiment_score":0.01010766252875328}],"sentiment":"neutral","sentiment_score":0.022122009098529814,"channel":0,"num_words":25,"start":1029.345,"end":1035.425},{"sentences":[{"text":"Okay.","start":1035.3301,"end":1035.8301,"sentiment":"neutral","sentiment_score":0.028093738481402397}],"sentiment":"neutral","sentiment_score":0.028093738481402397,"channel":1,"num_words":1,"start":1035.3301,"end":1035.8301},{"sentences":[{"text":"we can do.","start":1035.425,"end":1036.245,"sentiment":"neutral","sentiment_score":0.027666435887416203},{"text":"While it is down, we can look to maybe maneuver other investments and utilize that negative to offset some of the gains so that can provide a bit of a tax advantage to moving funds around now for you as well.","start":1036.545,"end":1048.6101,"sentiment":"neutral","sentiment_score":0.06083204960677682},{"text":"Okay?","start":1048.6101,"end":1049.1101,"sentiment":"neutral","sentiment_score":0.1119237095117569}],"sentiment":"neutral","sentiment_score":0.059756378912263444,"channel":0,"num_words":45,"start":1035.425,"end":1049.1101},{"sentences":[{"text":"Awesome.","start":1049.0651,"end":1049.5651,"sentiment":"positive","sentiment_score":0.4754188656806946},{"text":"Excellent.","start":1049.7051,"end":1050.105,"sentiment":"positive","sentiment_score":0.5541576743125916},{"text":"Thank","start":1050.105,"end":1050.345,"sentiment":"positive","sentiment_score":0.6224762201309204}],"sentiment":"positive","sentiment_score":0.5506842533747355,"channel":1,"num_words":3,"start":1049.0651,"end":1050.345},{"sentences":[{"text":"Easy.","start":1050.29,"end":1050.79,"sentiment":"positive","sentiment_score":0.6032217741012573}],"sentiment":"positive","sentiment_score":0.6032217741012573,"channel":0,"num_words":1,"start":1050.29,"end":1050.79},{"sentences":[{"text":"you for that.","start":1050.345,"end":1051.165,"sentiment":"positive","sentiment_score":0.5590745011965433}],"sentiment":"positive","sentiment_score":0.5590745011965433,"channel":1,"num_words":3,"start":1050.345,"end":1051.165},{"sentences":[{"text":"That's okay.","start":1051.3301,"end":1052.2301,"sentiment":"neutral","sentiment_score":0.31597578525543213},{"text":"If you have any questions, at all, let me know.","start":1052.29,"end":1054.7101,"sentiment":"neutral","sentiment_score":0.19690174609422684},{"text":"Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date.","start":1055.625,"end":1063.385,"sentiment":"positive","sentiment_score":0.41253063678741453},{"text":"And if it's not, I'll let you know.","start":1063.385,"end":1064.8251,"sentiment":"neutral","sentiment_score":0.1314273476600647},{"text":"We'll grab an update one.","start":1064.8251,"end":1067.7051,"sentiment":"neutral","sentiment_score":0.1259239286184311}],"sentiment":"neutral","sentiment_score":0.31200966238975525,"channel":0,"num_words":60,"start":1051.3301,"end":1067.7051},{"sentences":[{"text":"Okay?","start":1067.7051,"end":1068.2051,"sentiment":"neutral","sentiment_score":0.1062418594956398}],"sentiment":"neutral","sentiment_score":0.1062418594956398,"channel":0,"num_words":1,"start":1067.7051,"end":1068.2051},{"sentences":[{"text":"Okay.","start":1068.0199,"end":1068.4199,"sentiment":"neutral","sentiment_score":0.15979358553886414},{"text":"Awesome.","start":1068.4199,"end":1068.8999,"sentiment":"neutral","sentiment_score":0.13791406154632568},{"text":"Thank you very much for that.","start":1068.8999,"end":1070.36,"sentiment":"positive","sentiment_score":0.8558483521143595}],"sentiment":"positive","sentiment_score":0.6790997199714184,"channel":1,"num_words":8,"start":1068.0199,"end":1070.36},{"sentences":[{"text":"That's okay, Paul.","start":1070.18,"end":1071.3,"sentiment":"positive","sentiment_score":0.6353544195493063},{"text":"Thanks so much for your time.","start":1071.3,"end":1072.58,"sentiment":"positive","sentiment_score":0.8407606979211172},{"text":"If there is anything you need, let me know.","start":1072.58,"end":1074.5,"sentiment":"positive","sentiment_score":0.3852115174134572},{"text":"In the meantime, we'll get stuck into this research for you.","start":1074.5,"end":1077.24,"sentiment":"positive","sentiment_score":0.33357215469533746}],"sentiment":"positive","sentiment_score":0.48575257946704997,"channel":0,"num_words":29,"start":1070.18,"end":1077.24},{"sentences":[{"text":"Okay.","start":1077.475,"end":1077.875,"sentiment":"positive","sentiment_score":0.3821544647216797},{"text":"Thank you very much.","start":1077.875,"end":1078.9349,"sentiment":"positive","sentiment_score":0.7597886025905609}],"sentiment":"positive","sentiment_score":0.6842617750167846,"channel":1,"num_words":5,"start":1077.475,"end":1078.9349},{"sentences":[{"text":"Thank you.","start":1078.98,"end":1079.54,"sentiment":"positive","sentiment_score":0.7157142758369446},{"text":"Talk soon.","start":1079.54,"end":1080.26,"sentiment":"positive","sentiment_score":0.44586408138275146},{"text":"See you later.","start":1080.26,"end":1081.0,"sentiment":"positive","sentiment_score":0.38621031244595844}],"sentiment":"positive","sentiment_score":0.49739823596818106,"channel":0,"num_words":7,"start":1078.98,"end":1081.0},{"sentences":[{"text":"Bye.","start":1081.395,"end":1081.895,"sentiment":"neutral","sentiment_score":0.19291095435619351}],"sentiment":"neutral","sentiment_score":0.19291095435619351,"channel":1,"num_words":1,"start":1081.395,"end":1081.895},{"sentences":[{"text":"Bye.","start":1082.18,"end":1082.68,"sentiment":"neutral","sentiment_score":-0.09636599570512772}],"sentiment":"neutral","sentiment_score":-0.09636599570512772,"channel":0,"num_words":1,"start":1082.18,"end":1082.68}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with customers about their investments and portfolio, emphasizing the importance of diversification and flexibility in risk levels. They suggest looking at other investments and consolidating funds into one, but note that it may take a few weeks to update advice. The agents stress the importance of maintaining a positive investment portfolio and recommend updating risk profiles and adding more funds to their plans. They also emphasize the need to update recommendations and offer follow-up updates on coverage and investment portfolios."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up today. Is now still a good time there for you? Yeah. Perfect.","start_word":22,"end_word":45,"intents":[{"intent":"Confirm booking","confidence_score":0.09547773}]},{"text":"And just to do security there with you as well, we are discussing your personal information. So to get you to confirm your full name, your date of birth, and address I should have on file. It's Paul Anthony Kite, twenty first nineteen seventy four. 44 Bearmore Court, Deborah 4521, Queensland. Yep.","start_word":109,"end_word":160,"intents":[{"intent":"Confirm security","confidence_score":0.013583046}]},{"text":"Thank you so much for that. Paul, I had you booked in for a bit of a catch up. The team let me know you wanted to have a bit of a chat about your investments. Yeah. How Yeah.","start_word":163,"end_word":201,"intents":[{"intent":"Discuss investment issues","confidence_score":0.00021291974}]},{"text":"I haven't heard for a while, and market's Yeah.","start_word":229,"end_word":237,"intents":[{"intent":"Inquire about market volatility","confidence_score":0.009346603}]},{"text":"is just what the portfolio has done, which is fantastic.","start_word":316,"end_word":325,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.057543296}]},{"text":"giving you a gross so a gross return, so before fees, and this is looking at the average of what that portfolio has returned.","start_word":751,"end_word":774,"intents":[{"intent":"Discuss portfolio returns","confidence_score":0.030356072}]},{"text":"And that's one of the things because you are in the high growth environment, you are taking a bit more risk in the market.","start_word":965,"end_word":988,"intents":[{"intent":"Discuss market risks","confidence_score":0.0111575965}]},{"text":"moment, if I sort of break down the investment portfolio, the bet along Australian equities, yes, it is showing down pretty significantly on your portfolio.","start_word":1111,"end_word":1135,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.14283182}]},{"text":"You do have a bit of the lithium exposure, and you've got Yep. some physical gold. We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things.","start_word":1318,"end_word":1358,"intents":[{"intent":"Report investment status","confidence_score":0.00003843518},{"intent":"Provide information on investment potential","confidence_score":0.000007632486},{"intent":"Discuss options for investment","confidence_score":0.000018883658}]},{"text":"We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things.","start_word":1333,"end_word":1357,"intents":[{"intent":"Recommend additional investments","confidence_score":0.00007152111}]},{"text":"gonna ask, what do you know what the closing balance is online at the moment? The Yeah. today?","start_word":1453,"end_word":1470,"intents":[{"intent":"Confirm closing balance","confidence_score":0.04007205},{"intent":"Inquire about closing balance","confidence_score":0.05870176}]},{"text":"We can turn our fees off and help you move everything back. In Yep.","start_word":1546,"end_word":1559,"intents":[{"intent":"Offer assistance with future moves","confidence_score":0.000005420352}]},{"text":"Well, I don't think anything got moved last time we spoke. We were talking about it, but not I don't think anything got moved. Like, far?","start_word":1642,"end_word":1667,"intents":[{"intent":"Mention current investment","confidence_score":0.000024924406}]},{"text":"Because the last advice document was to consolidate your funds into one and move your insurances over to have 24.","start_word":1675,"end_word":1694,"intents":[{"intent":"Consolidate funds","confidence_score":0.595546}]},{"text":"and was saving you a bit in fees as well. Having the two funds, you are paying two lots of fees. Then the recommendation was also to reduce the salary sacrifice so you didn't exceed the cap there. Yep. Yeah.","start_word":1808,"end_word":1847,"intents":[{"intent":"Save fees","confidence_score":0.19329356}]},{"text":"So at the moment, your income just having a look at to make sure I've got all the updated information here for you. Yep.","start_word":1878,"end_word":1901,"intents":[{"intent":"Update information","confidence_score":0.39675856}]},{"text":"Just have a look at the investments and where, you know, if something's not performing, we probably need to move it out of there and put Mhmm. it somewhere else. Would be nice. Yep.","start_word":2010,"end_word":2043,"intents":[{"intent":"Check investments","confidence_score":0.3048672}]},{"text":"With retaining the Australian retirement trust, you're happy, you wanna keep that open for the time being as well? Yeah.","start_word":2048,"end_word":2067,"intents":[{"intent":"Retain trust","confidence_score":0.18001789}]},{"text":"I think the team did ask for a statement to be sent through last time they spoke. Have you Yeah.","start_word":2112,"end_word":2131,"intents":[{"intent":"Send statement","confidence_score":0.69127697},{"intent":"Resolve statement issue","confidence_score":0.002635408}]},{"text":"And you wanna keep the ART insurances. Did you want us to look at maybe moving those, or are you happy to keep the cover as it is?","start_word":2394,"end_word":2421,"intents":[{"intent":"Maintain ART insurances","confidence_score":0.02632946}]},{"text":"I'm still with that comfort level at the moment, mate. Yeah.","start_word":2960,"end_word":2970,"intents":[{"intent":"Evaluate portfolio comfort","confidence_score":0.033477306}]},{"text":"As I mentioned, it will take me a couple of weeks to do the to do the the research properly before we update the advice. As soon as we have the advice updated and ready to go, my team will book you in, and we'll go through that together so you can have a look at what we're recommending, how, and why. Okay? Perfect. Perfect.","start_word":3057,"end_word":3121,"intents":[{"intent":"Update advice and plan for next financial year","confidence_score":0.001142843}]},{"text":"And with the AIT, normally, when we are retaining, we wanna keep moving money into hub twenty four as well to keep money being invested. We would Yep. normally only leave about 10,000 or a little bit more behind in ART. Are you comfortable with us updating the recommendation and having some funds moved over into hub twenty four? Yeah.","start_word":3187,"end_word":3246,"intents":[{"intent":"Update recommendations and keep moving money into hub twenty four","confidence_score":0.009028251}]},{"text":"That's how, you know, long term investing works to your benefit for you and compounding Yeah. effect works.","start_word":3354,"end_word":3371,"intents":[{"intent":"Maintain contributions and compound compounding benefit from investing","confidence_score":0.000004891196}]},{"text":"we do need to update the advice to reflect that.","start_word":3374,"end_word":3383,"intents":[{"intent":"Update advice","confidence_score":0.83921224}]},{"text":"Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date. And if it's not, I'll let you know. We'll grab an update one. Okay? Okay.","start_word":3679,"end_word":3728,"intents":[{"intent":"Follow-up on ART statement","confidence_score":0.0025167195}]}]},"sentiments":{"segments":[{"text":"Hello? Paul Kite. Hi, Paula. It's Dana from OQ Financial. How are you today? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.12627701461315155},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.384435772895813},{"text":"Yourself?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.27043813467025757},{"text":"I'm very well. Thank you.","start_word":17,"end_word":21,"sentiment":"positive","sentiment_score":0.6251671314239502},{"text":"I had you booked in for a bit of a catch up today. Is now still a good time there for you? Yeah.","start_word":22,"end_word":44,"sentiment":"neutral","sentiment_score":0.23891229927539823},{"text":"Perfect. Oh, fantastic.","start_word":45,"end_word":47,"sentiment":"positive","sentiment_score":0.40777453780174255},{"text":"How's your week been? Yeah.","start_word":48,"end_word":52,"sentiment":"neutral","sentiment_score":0.24111294746398929},{"text":"It's good. Good. Really good.","start_word":53,"end_word":57,"sentiment":"positive","sentiment_score":0.4146794378757477},{"text":"Yourself? Yeah. It's good. Busy is where I like it, though. Okay. Sure. Oh oh, good. Paul, before we get into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yes. Perfect. Yeah.","start_word":58,"end_word":107,"sentiment":"neutral","sentiment_score":0.16449789702892303},{"text":"Beautiful.","start_word":108,"end_word":108,"sentiment":"positive","sentiment_score":0.3841693103313446},{"text":"And just to do security there with you as well, we are discussing your personal information. So to get you to confirm your full name, your date of birth, and address I should have on file. It's Paul Anthony Kite, twenty first nineteen seventy four. 44 Bearmore Court, Deborah 4521, Queensland. Yep. Beautiful.","start_word":109,"end_word":161,"sentiment":"neutral","sentiment_score":0.0945417657494545},{"text":"Beautiful. Thank you so much for that.","start_word":162,"end_word":168,"sentiment":"positive","sentiment_score":0.4740382432937622},{"text":"Paul, I had you booked in for a bit of a catch up. The team let me know you wanted to have a bit of a chat about your investments. Yeah. How Yeah. can I I haven't help? Just so yeah. You're right. Wanna see how it's traveling, what what we need to do. Do we need to change anything? I haven't heard for a while, and market's Yeah. a bit Yeah. volatile at the moment. So Yeah. just Absolutely. thought No. Not a problem at all. I had a quick look at the report to see what was sorta happening. So yeah. over the last twelve months there, you have gained a positive return of about 7.1 sorry. 7.51, so you have 24, which is a good solid return because there are no contributions going into there. Everything is into the ART fund.","start_word":169,"end_word":312,"sentiment":"neutral","sentiment_score":0.06859423220157623},{"text":"So that Yes. is just what the portfolio has done, which is fantastic.","start_word":313,"end_word":325,"sentiment":"positive","sentiment_score":0.481205701828003},{"text":"As a dollar figure because some people prefer a dollar figure over a percentage, but it shows the total earnings for the growth and the income within the portfolio for the last twelve months is 36,652. So it has Oh, done very it's well. down, I down. Well, that's When down. when That's like that's like a third of when we last spoke. what's that? The growth? Yeah. It was up about last time we spoke, you said it gained in since we started 90,000, and now it's only up 36. That's in the last 12, so that's not total over the course of since inception. Oh, okay. So what's the what's the whole total From fitting at the inception, moment? it's up total earnings is 83,768. So you're up over 18.81% since onboarding back in 2024. So it's essentially giving you a compounded return over the last two years of about bit over 9% there. And in a high growth portfolio, that's essentially what you're looking for. We're looking for an average return of around about an eight to 10%. So 9% each year is within that. Admittedly, Yep. with the volatility, we do see things are going up and down. Whilst you've had a good positive return for this year, there is one investment in there that's been along Australian equities, which has had a bit of volatility over the last couple of months and had a bit of a pullback at the end of last year too due to some underlying issues with their underlying investments. Yep. Once we sort of made notification of that, our investment committee's had a bit of a meeting. We do wanna remove you out of that Benelon Australian Equities. So I do would would like to go back, have a look at what you've got in the portfolio, maybe look at what might be performing a bit better, you know, Yeah. history Yeah. wise, and see if there's some ways to shuffle some things around for you. You're comfortable with me looking at that? Yeah. Yeah. That's what I talk about. Yeah. It's Yeah.","start_word":326,"end_word":678,"sentiment":"neutral","sentiment_score":-0.012314656997368624},{"text":"Perfect. just Lovely.","start_word":679,"end_word":681,"sentiment":"positive","sentiment_score":0.702009379863739},{"text":"because I think Well, I was I'll definitely getting I think have I a was look. I was getting, like, Yeah. 7% just in my normal super fund. That's all. Well, having a bit of a look in the ART fund at the moment, they have and their disclosures are a bit behind as of the January 31. Their high growth pool is well, they're saying 7.75%. They're Yep. giving you a gross so a gross return, so before fees, and this is looking at the average of what that portfolio has returned. So it's not specific to your account. The main sort of advantage to the one that we're giving you with hub twenty four is that is up to date. It's up until the twenty fourth. So as of this morning, for the last twelve months there, it's also a net return, so after factoring in fees. So if you've got a 7% return 7.51% return after fees, then you've obviously made a higher return on top of that with the fees included. So Yeah. No. there That's alright. there I was are just definitely I was just trying differences. to work out. Yeah. Yeah. I was just trying to work out if we just stay with you guys and just push it all back in super. That It's was completely all. up to you. Yeah. Look. No. It's Just completely just trying up to to work you just trying to by work no out what means you required to. Yeah. Yeah. no. It's just that yeah. Just we were up 90 something thousand now right now. You know, we're 10,000 down the last time we spoke. That was all. Yeah. And that's one of the things because you are in the high growth environment, you are taking a bit more risk in the market. So you are Yep. gonna see times when markets are maybe not performing as well.","start_word":682,"end_word":1003,"sentiment":"neutral","sentiment_score":0.0025958438976581054},{"text":"And the higher your balance goes, the more you're gonna feel the effect of those ups and downs as well.","start_word":1004,"end_word":1023,"sentiment":"negative","sentiment_score":-0.41357147693634033},{"text":"As you can imagine, if someone with a $50,000 balance, if they get a 5% return, it's a much smaller return as opposed to someone with $500,000 who gets that same 5% return. Yeah. So it is you are feeling things a little bit more because your balance is a lot higher. Smaller market changes have a bigger reaction for you, but in saying that you haven't actually lost any money because while some investments might not be performing, others are performing really well. At the Yep. moment, if I sort of break down the investment portfolio, the bet along Australian equities, yes, it is showing down pretty significantly on your portfolio. It's down by the 18% there. But if you look at other investments like your battery and lithium tech, that's up by over 67%.","start_word":1024,"end_word":1159,"sentiment":"neutral","sentiment_score":-0.07998117059469223},{"text":"Your physical goal is up over 57%.","start_word":1160,"end_word":1166,"sentiment":"positive","sentiment_score":0.33354848623275757},{"text":"So a lot of your other investments are working at the same time that others aren't, and that's what diversification's about. It's about making sure you're spreading your risk level. So if the Australian equity portion isn't working as well or has had a bit of a dip, that you've Yeah. got other investments like physical gold, maybe some US equities, some Japanese equities that might be doing better or, hopefully, are gonna be doing better to offset that downtime. Does that make sense? Yeah. Yeah. That's alright. Yeah. Because last time we talked, and I don't think I'm not sure if it happened, but we're talking about moving more over to, like, precious metals, like lithium and gold and silver and all that sort of stuff. But Yep. You I you don't definitely think that there do have quite you do have some battery and lithium tech in this. You do have a bit of the lithium exposure, and you've got Yep. some physical gold.","start_word":1167,"end_word":1332,"sentiment":"neutral","sentiment_score":0.017134693801874316},{"text":"We could definitely look at adding in some silver if you would like to have more in the way of the commodity side of things.","start_word":1333,"end_word":1357,"sentiment":"positive","sentiment_score":0.4154090583324432},{"text":"It's just that the only downside with having more of those sorts of investments is that then they're only growth producing.","start_word":1358,"end_word":1378,"sentiment":"neutral","sentiment_score":-0.2360208630561829},{"text":"There's no income production in within them.","start_word":1379,"end_word":1385,"sentiment":"negative","sentiment_score":-0.3460451066493988},{"text":"And one of the make sure you're still producing income so it can be reinvested back for compounding effect. Because growth only, it it's great. Like, it gives you that, you know, change in investment prices is great, but you don't really see the physical side of growth until you submit those those consequences until you sell the asset, essentially. Okay. The other thing I was Yeah. gonna ask, what do you know what the closing balance is online at the moment? The Yeah. today? Absolutely. So the balance as of today is $4,421,108. Okay. Yep. Alright. So we're down a bit. That's alright. Yeah. Okay. There's just a lot to think about then. Yeah. Like I said, it's completely up to you. You're never required to stay on board as a client. If you're comfortable, you wanna move everything back to ART, that's completely your decision. If you decide that's what you wanna do, you can let us know. We can turn our fees off and help you move everything back. In Yep. saying that if you like, I can go back and update the advice, maybe look at some of the investments within there, within Hub twenty four and look at maybe maneuvering some things for you and updating the advice. It does take a bit a couple of weeks to go back and do the research required to update the advice there.","start_word":1386,"end_word":1620,"sentiment":"neutral","sentiment_score":0.12944254279136658},{"text":"But if you'd like me to, I'm more than happy to do so.","start_word":1621,"end_word":1633,"sentiment":"positive","sentiment_score":0.5800663828849792},{"text":"What would you like to do so Yeah. Well, I don't think anything got moved last time we spoke. We were talking about it, but not I don't think anything got moved. Like, far? I think Last this time, the no. Because the last advice document was to consolidate your funds into one and move your insurances over to have 24. There was no recommendation Yes. to alter the investments because they were working fine at the time. Yep. And, unfortunately, you chose not to take on the advice back then, so nothing got changed or altered.","start_word":1634,"end_word":1730,"sentiment":"neutral","sentiment_score":-0.1003827220693077},{"text":"Everything sort of stayed as it was as per your direction.","start_word":1731,"end_word":1741,"sentiment":"negative","sentiment_score":-0.33716055750846863},{"text":"Yep. It's Yeah. That up was to just you. for the insurance. Just wanna just to Well, keep that the insurance. and to consolidate But yeah. yeah. It was advised Yeah. to consolidate the insurances into HAB twenty four. Keep everything Yeah. the same, but move the insurances over. Consolidate your ART into one because having everything in one place still gives you diversification there Yep.","start_word":1742,"end_word":1807,"sentiment":"neutral","sentiment_score":0.037665680050849915},{"text":"and was saving you a bit in fees as well.","start_word":1808,"end_word":1817,"sentiment":"positive","sentiment_score":0.37398314476013184},{"text":"Having the two funds, you are paying two lots of fees. Then the recommendation was also to reduce the salary sacrifice so you didn't exceed the cap there. Yep. Yeah. That's alright. Yeah. Yeah. I've stopped it for a while. I stopped my service desk once You for have? a while. Yep. Yeah. Nice. Yep. Nice. No. That's okay. Perfect. So at the moment, your income just having a look at to make sure I've got all the updated information here for you. Yep. Your income there, I've got you on about 176,000. Is that right? It's your Yep. Yeah. gross income? Yep. Yep. That's Perfect. it. And your base, 157? Yeah. Correct. Yep. Perfect. So are you getting employer contributions on the full one seventy six or just on the one fifty seven? I think it's on the one The January. 50 Perfect. 7. Yeah. Yep.","start_word":1818,"end_word":1964,"sentiment":"neutral","sentiment_score":0.05945181846618652},{"text":"Lovely. All good.","start_word":1965,"end_word":1967,"sentiment":"positive","sentiment_score":0.4899330139160156},{"text":"Well, would you like us to go back and maybe update the advice and have a look at the investments, or did you want Yeah. some time Just to think about just what have you a look wanna and do? see. Yeah. Just have a look at the investments and where, you know, if something's not performing, we probably need to move it out of there and put Mhmm. it somewhere else. Would be nice. Yep.","start_word":1968,"end_word":2043,"sentiment":"neutral","sentiment_score":-0.017241047450194235},{"text":"Thanks.","start_word":2044,"end_word":2044,"sentiment":"positive","sentiment_score":0.5139379501342773},{"text":"Yep.","start_word":2045,"end_word":2045,"sentiment":"neutral","sentiment_score":0.2858896851539612},{"text":"That's okay. With retaining the Australian retirement trust, you're happy, you wanna keep that open for the time being as well?","start_word":2046,"end_word":2066,"sentiment":"positive","sentiment_score":0.6204586029052734},{"text":"Yeah. Correct. Thank Yep. Did you want us to have a look at the investments within there to make sure that between the two accounts that you are you. invested in the correct risk profile? Yeah. If you like. Yeah. That'd be fine. Yeah. Yep. I think the team did ask for a statement to be sent through last time they spoke. Have you Yeah. had a chance to send that through at all yet? Yeah. I'm pretty sure I sent it through. I sent it through Okay. last time No with worries. last it's not last time, the time before we spoke. Okay. No. That's alright. K. Just I'll go back and double check if they do need an updated statement because, realistically, we need statements to be within a certain time frame, normally, around about sort of that ninety day period. Yeah. As statements outside of that just are a bit old for information wise. Yeah. That's alright. I think it took a while. It took a while to get it off and I had to keep, Okay. like, emailing them and thing, and it took a while. I think it took a lot longer than I expected to get information out. Yeah. No. That's okay. I will get the team to have a look at that for you. If they do require an updated statement, I'll make sure someone does that is in contact with you to obtain it. Yeah. Okay. What Cool. we can do is we can have a look at the two accounts, see what you're invested in within ART and also within Hub twenty four. If we're maneuvering investments here, we wanna make sure between the two accounts that you're not overexposed or taking on too much risk. So, there may be a recommendation to alter the investments within the ART fund if we feel that's appropriate. You're okay with me looking at that for you? Yes. Yeah.","start_word":2067,"end_word":2391,"sentiment":"neutral","sentiment_score":-0.01514820952828114},{"text":"Beautiful. Fantastic.","start_word":2392,"end_word":2393,"sentiment":"positive","sentiment_score":0.6956561207771301},{"text":"And you wanna keep the ART insurances. Did you want us to look at maybe moving those, or are you happy to keep the cover as it is? Just as it is for now.","start_word":2394,"end_word":2427,"sentiment":"neutral","sentiment_score":0.1921919882297516},{"text":"Thank you very much.","start_word":2428,"end_word":2431,"sentiment":"positive","sentiment_score":0.58400958776474},{"text":"As it is. Yeah. Perfect. And you've only got the income sorry. The TBD and the life cover within ART. You're comfortable Yep. just with the cover you have? You don't wanna No. I've got a I've got a debt policy and a I got a couple of yeah. debt You got policies. the one pass policy there as Yeah. well. I got the Yeah. one part policy. Yeah. So I think Yep. Marty, my wife's got two one part policies. So, Yep. Yep. You've got through one pass there the life cover and the trauma cover. yeah. Yeah. Correct. Yeah. So sorry. And the within ART, you've got a bit of life cover and a bit of TBD cover. Just so you're full fully aware with TBD, if anything was to happen and you do claim on TBD, it is also taxable, so it can be taxed up to 22%. If you were to make a claim on that at any point, let us know. We can definitely help to provide advice to help minimize the tax consequences. But it does mean that the amount of cover that you have, if you take it as a lump sum, you're not likely to receive that exact amount. So just wanted to make sure you're fully aware of that. Okay. Yep. Yeah. Okay. Cool. Unfortunately, Thank the AC is coming in all directions. you. And you've got sorry. I'm just having a look. It looks like there's no just sort of going back to my notes on our last catch up, there's no income protection that you've got at all, even if that you were not working. Do you have, you know, savings, long service leave, or anything you could fall back on? How would you sort of support yourself if you were not working in the short term? We're pretty we're pretty right for all that.","start_word":2432,"end_word":2747,"sentiment":"neutral","sentiment_score":-0.023306582329346785},{"text":"Thank you.","start_word":2748,"end_word":2749,"sentiment":"positive","sentiment_score":0.4383049011230469},{"text":"Pretty right? Yep. That's Yeah. okay. Yeah.","start_word":2750,"end_word":2756,"sentiment":"neutral","sentiment_score":0.19286508858203888},{"text":"We're Beautiful. we're good for that.","start_word":2757,"end_word":2762,"sentiment":"positive","sentiment_score":0.5798656940460205},{"text":"No problem. Yep. Yep. No worries.","start_word":2763,"end_word":2768,"sentiment":"neutral","sentiment_score":0.2161630243062973},{"text":"All good. Perfect. So easy.","start_word":2769,"end_word":2773,"sentiment":"positive","sentiment_score":0.5801737308502197},{"text":"So the insurance is all comfortable with keeping them exactly the same. I can go back and have a look at the investments within the ART fund as well as hub twenty four, look at maybe maneuvering or moving out some underperforming funds there for you.","start_word":2774,"end_word":2819,"sentiment":"neutral","sentiment_score":0.19710955023765564},{"text":"That'd be good. Thank you.","start_word":2820,"end_word":2824,"sentiment":"positive","sentiment_score":0.43255504965782166},{"text":"Yeah. Yeah. That's okay. I just also wanted to do a new risk profile questionnaire with you just to sort of gauge whether we've gotta make any changes to your portfolio for you or not. In ART, as I mentioned before, you're in that high growth pool there. With Correct. the Yep. investments within Hub twenty four, you're in more of a growth portfolio. So that's about 80% in those growth, high growth investments, things like Australian shares, international shares, listed property, and commodities there, and then still giving you sort of 20% defensive lower risk kind of investment. So just wanted to kinda go through and just have a look to see whether we maybe need to change that risk profile for you at all or whether that's still your comfort level. Okay? Yeah. I'm still with that comfort level at the moment, mate. Yeah. You you don't wanna sort of look at your comfortable with the the gross side of things, the the 20%? Yeah. I think so at the moment. Yeah. Yeah. I think we I Did think you we want just move everything. I think we probably just move everything around a little bit, and then yep. we'll just see where we are. Sort of midyear, we'll we'll sort of see where we are with everything, Okay. I guess. Yeah. Yeah. That's fine. Not a problem at all. As I mentioned, it will take me a couple of weeks to do the to do the the research properly before we update the advice. As soon as we have the advice updated and ready to go, my team will book you in, and we'll go through that together so you can have a look at what we're recommending, how, and why. Okay?","start_word":2825,"end_word":3119,"sentiment":"neutral","sentiment_score":0.06589580435874098},{"text":"Perfect. Perfect. All good.","start_word":3120,"end_word":3123,"sentiment":"positive","sentiment_score":0.5300144553184509},{"text":"And, sorry, last thing is you did mention you've stopped that salary sacrifice at the moment. When did you last contribute self sacrifice? Probably November. November. Lovely. Any plans to start that up Yep. again Yeah. I shortly? will do. Yeah. After after the Yep. financial year, I'll I'm gonna kick it back off again. Next financial year. Yep. Yep.","start_word":3124,"end_word":3183,"sentiment":"neutral","sentiment_score":0.02044362761080265},{"text":"Perfect. All good.","start_word":3184,"end_word":3186,"sentiment":"positive","sentiment_score":0.37991446256637573},{"text":"And with the AIT, normally, when we are retaining, we wanna keep moving money into hub twenty four as well to keep money being invested. We would Yep. normally only leave about 10,000 or a little bit more behind in ART. Are you comfortable with us updating the recommendation and having some funds moved over into hub twenty four? Yeah. We can do that. I can I have a look? We'll just see we'll move everything across. We'll just change a few things and see where we are and then Would just part if of it's the recommendations performing because if we yeah. are recommending that you retain as you wanted the two funds, having hub working the way it is, and look, it's doing great. It's actually performing really well for not having any contributions going in. But, normally, when we are retaining because your contributions are going into ART, part Yes. of dollar cost averaging and making investments work is to keep contributing as well. That's how, you know, long term investing works to your benefit for you and compounding Yeah. effect works. So Okay. we do need to update the advice to reflect that. So I just wanna Yes. also make sure the recommendations are in there that will tell you how much we wanna leave in ART and making sure money is continuously moved over into Hub 24 to keep that keep that working and take advantage of downtimes that we see as well. Does that make sense? Yep.","start_word":3187,"end_word":3439,"sentiment":"neutral","sentiment_score":0.10779488289898093},{"text":"Perfect. Yeah. Perfect. All good.","start_word":3440,"end_word":3444,"sentiment":"positive","sentiment_score":0.514495313167572},{"text":"Well, I'll go back into all that research for you. Do you have any questions for me at the moment, Paul? Is there anything else that I maybe No. haven't That's touched base no. on? That's alright.","start_word":3445,"end_word":3481,"sentiment":"neutral","sentiment_score":0.08852415531873703},{"text":"It's all good.","start_word":3482,"end_word":3484,"sentiment":"positive","sentiment_score":0.3655326962471008},{"text":"Yep. I I just want to you know, like, I looked at a few things and just thought we should start moving stuff around. That Yeah. was all. Absolutely. And we do wanna we yeah. The last couple of months have been last couple of years have been fantastic, but the last couple of months, there has been a bit of volatility or out and about there. So it is definitely worth updating things for you, and we did want to. We're just sort of trying to touch base with everyone as we can because there's a lot of people to get through. Yep. But your portfolio is actually still performing quite well even though that one investment's seen a little bit of a downtime. So we'll see what Okay. we can do. While it is down, we can look to maybe maneuver other investments and utilize that negative to offset some of the gains so that can provide a bit of a tax advantage to moving funds around now for you as well. Okay?","start_word":3485,"end_word":3659,"sentiment":"neutral","sentiment_score":0.054210636764764786},{"text":"Awesome. Excellent. Thank Easy. you for that.","start_word":3660,"end_word":3666,"sentiment":"positive","sentiment_score":0.5527268648147583},{"text":"That's okay. If you have any questions, at all, let me know.","start_word":3667,"end_word":3678,"sentiment":"neutral","sentiment_score":0.23277054727077484},{"text":"Happy to I'll go back and look at all everything for you, and I'll get the team just to follow-up on that ART statement to make sure that what they have is up to date.","start_word":3679,"end_word":3713,"sentiment":"positive","sentiment_score":0.40428704023361206},{"text":"And if it's not, I'll let you know. We'll grab an update one. Okay? Okay.","start_word":3714,"end_word":3728,"sentiment":"neutral","sentiment_score":0.12573571503162384},{"text":"Awesome. Thank you very much for that. That's okay, Paul. Thanks so much for your time. If there is anything you need, let me know.","start_word":3729,"end_word":3753,"sentiment":"positive","sentiment_score":0.6286101269721985},{"text":"In the meantime, we'll get stuck into this research for you.","start_word":3754,"end_word":3764,"sentiment":"neutral","sentiment_score":0.3203757107257843},{"text":"Okay. Thank you very much. Thank you. Talk soon. See you later.","start_word":3765,"end_word":3776,"sentiment":"positive","sentiment_score":0.5615232586860657},{"text":"Bye. Bye.","start_word":3777,"end_word":3778,"sentiment":"neutral","sentiment_score":0.1720978021621704}],"average":{"sentiment":"neutral","sentiment_score":0.062163104930383815}}}}