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No. There's apologies for that one. But had you scheduled in there to just go over a quick sort of discussion around your sort of portfolio and and risk this morning? Yep. Now with that one, I know you did have your end review the end of sort of last year, and then obviously since then, it's obviously taken quite a bit of a dive in terms of your superannuation balance. Now there are a few different reasons why that occurred. Now I'm not too sure if you remember your portfolio, but you did have a a managed fund called Bennelong. Now with that Bennelong fund, you did have quite an allocation to that, and they had an underlying investment that did get done to not reporting correctly. So as a result of that, they were put on trading hold. Bennelong had to reevaluate those, and as a result, the fund itself took a bit of a significant hit. And then, obviously, the war in Iran has continued to sort of cause the markets as a whole to take a bit of a a decline, if that makes sense. Yep. Now as part of the review of the Bennelong from the investment committee at Oakview, I believe they issued in between that time a record of advice to move out of Bennelong to a BetaShares Australian two hundred, which is an alternative to that Ben Long investment because it's an Australian equity. It's an index as opposed to, like, the actively managed fund, so it did remove that manager risk that you did hold. And then with that, it's moved into an index that is cheaper and then also historically has been a little bit less volatile and a little better in regards to returns over the recent years, if that makes sense. Yep. And then with all that in mind there, Alan, is there any specific questions in regards to your performance? I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about? So within regards to, like, your superannuation, obviously, you can't access it till the age of 60 with conditions of release. But then with that, you also can make changes to it as well and sort of adjust your risk profile now. Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole. Now generally, in regards to that, much like with the tariff talk that Trump in the start of the year causes, like, significant volatility in the market and significant drops. And then from that, it typically recovers quite quickly in terms of, like, the the value being recovered as long as it sort of the it has stopped with in regards to the war and things sort of get back to normal. So in saying that there might sort of be sort of, you know, three to six months there where it still doesn't do too much in terms of, like, return or bouncing back until that issue is resolved with the the war and, like, obviously, oil prices going up and things like that. But you still have a number of years. You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that. I know you wanted to potentially retire in sort of your early sixty's. So you can look at reducing risks and sort of lowering the amount of allocation to growth assets. But with that, additionally, as well, you're sort of selling at a low and then sort of potentially buying some assets that are up a little bit if they're going a bit more defensive with that. And then making sort of change at the moment with it being so volatile, there is a chance that while you're sort of making those adjustments that the market does swing, you potentially miss out on some growth. But, historically, yeah, the long term and sort of that, you know, seven five to seven year or seven to ten year mark, Obviously, there's still conviction in the investments doing well over that period of time and recovering. It's more so the fact that the issue that you did have with that down along has already been replaced with that Australian 200, and you did crystallize some of those losses. But with the market dropping, you've obviously gone to a separate asset that will hopefully perform better than what Bennelong was recovering, if that makes sense. No. We you could review the portfolio. You do have quite a high allocation to the BetaShares Australian two hundred. It makes up quite a significant portion of your portfolio. You could look at doing a portfolio update to basically look at adjusting it a little bit to improve your diversification a little bit and sort of making a bit of a spread. And then with the losses that were with Ben Long, it might offset some of that change as well. We can also run through a risk profile and see if you're still in line with a high growth investor, which is what you're currently invested in just to see if that might need adjusting as well. Obviously, with that, you know, the high growth is aiming for those higher returns over a longer period of time. And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have. Yeah. Okay. Because I'll run through a risk profile, and then we can have a bit of a discussion around that as well. So they've probably answered these questions before, but I'll run through them with you there, Alan. So within regards to investing, have you made direct share investments previously? Because I don't think we've spoken before. In terms of, like, the review you had here for your annual review, you didn't get your reports or anything like that? Yeah. Because obviously, it's been quite a bad year in terms of, like, growth because it went up and then it went down with the tariff talk, and then it went up again, and it's gone down with what did occur. I can send you out your 12 monthly reports for you to be able to have a look at and sort of see. It's down about 4.3% from that. But at the start of the year with the tariff talk, it was actually down 8% and then obviously recovered and took another dip. Now Yeah. And the tariff talk that caused the significant drop in the markets? Yeah. So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation balance. So you can have a look at that and see why it's down to four point 3%. Yeah. Yeah. I'll email you a couple of reports there so you can have a review of those, Alan. And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us? Yeah. No. That's fine. And then within regards to because obviously, you know, in sort of five years, you could potentially access some of your money if you wanted to. Now if that were the case, sort of, are you looking to try and access your money at 60? Do you feel like you'll still be working to, like, 65? Or Trying to get to that by the age of 62. Yeah. No. That's fine. And then as far as inflation's concerned with the cost of living going up, being able to take on or have to take on a bit more risk in regards to your investments to try and get a bit of a higher return as opposed to, like, sitting in cash and those sort of things, I would you consider yourself to be a bit of a a risk taker in terms of, like, getting that risk reward? Would you say it's a bit moderate or a bit higher in terms of taking on a bit risk to try and get a bit more growth out of your superannuation? Yes. So, generally, you you wanna take on a bit more risk, like, earlier to sort of you can better these tips. Yeah. And then as you get a bit older, you look at reducing it just to preserve the balance a little bit more and hopefully have a little less volatility. Because, obviously, in a high growth investment, you're still aiming to get sort of those higher figures out of your superannuation, that high growth to try and bolster that up while you have the time to recover the dips like what has occurred with this war and the tariff talk with Trump as opposed to doing that right up until you were looking to access your sort of money, if that makes sense. Yep. And then with the the decrease or if your portfolio was to decrease to about, like, 20% just due to what's going on with the war and everything in the market, how would that sort of make you feel? Would you sort of hold and wait that out to see how that might improve like you did with the tariffs, or you would sort of wanna see like, shift to more secure assets, like, with the defensive and going down a risk profile, or do you feel like you would wanna hold it out a bit more, like, with those tariffs to see how it does recover? You'd want to be more defensive? Yep. Yep. And then with the regards to return and what you're trying to get out of your superannuation, what would you sort of be happy with if you were getting as a return out of your superannuation? Like, if you were getting six to 8%, you'd be okay with that reducing your risk, or you're trying to aim for still, like, 8% and above? Yeah. And then with that, like, obviously, over the longer term returns can drop with that as well. So if you were reducing risk and getting sort of returns between 68%, would you be happy with that? Or yep. No. That's fine. And then with what's happened and the drop, obviously, it's made you a little bit concerned in regards to your investment? With the war that is occurring and everything like that, does that make you a bit cautious in regards to your investments wanting to reduce those down at the moment? Yep. No. That's perfectly fine. So within regards to borrowed money, this is the last question there. You do obviously have money invested into your property through a mortgage today or, like, previously. Now would you ever put borrowed money into anything else, Alan? Yeah. Would you ever borrow money again to invest in anything else, like another property if circumstances were different, like, in given the risk? Or Yep. If you want, we can put you in touch with a mortgage broker, and then you can have that conversation. Yep. Not a problem at all. So that does bring you out there to a growth investor there, Alan, which is around that eighty twenty split as opposed to, like, the ninety ten sort of split you're in currently. With, obviously, with reducing risk, you potentially reduce the returns that you can get over the longer term, but you do experience a little less volatility. So with that, we can look at doing an update to reduce your risk down to a growth risk profile if that's what you'd like. Yep. Not a problem. And I will just go through and just confirm your details too and make sure everything's up to date with that. So currently, at the moment there, you've got the two dependents and you've got your your spouse still. Yep. And you're still working as a cook there, Alan? Yep. And with that, at the moment, has your employment changed much at all in terms of, like, your duties apart from, like, what you're doing? Do you do more office work? Or yep. Not a problem at all. And with that, are you still doing four weeks on, four weeks off? Yep. And do you know roughly what your income is at the moment? Yep. And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on that? Not a problem. And do you know roughly at the moment what you're spending versus what you're saving in terms of, like, your your income once it's sort of broken down? I had here you were sort of spending around $7.50 a week and then saving around a thousand dollars. Does that sound about right? Yep. And then within regards to your savings, do you know roughly how much you're putting into savings at the moment? Yep. And in general, do you know how much like, just as a a monthly amount you're putting into that savings account? Okay. Yep. No problem. And I will go in there. So with your employment to do you want any sort of enterprise bargaining agreement, or is it just an standard employment contract? Yeah. Not a problem. And then as far as your assets there, so you've got the house around 700,000. And how much do you have sitting in your savings at the moment, Alan? Okay. So that's your total amount that you've got sitting in savings? Yep. And do you have a car at the moment? Okay. Not a problem. And as far as any other assets or liabilities on, do you have anything else that you own currently that we're not sort of aware of? Yeah. Not a problem at all. And then as far as everything else, sir, in regards to your health, everything as far as you've been good, your high blood pressure is under control, and you're maintaining your cholesterol and everything? Yep. Not a problem. And as far as the will, have you managed to get a will sorted since we last spoke, Alan? A will? Like a will for your estate planning matters? No. That that's fine. So in regards to your goals and what you do wanna achieve, now I know your main goal is to pay off the house there and then just sort of do a few renovations. Is the moment you're just looking to maybe do some renovations now that you've paid off the house? Yeah. No. I completely understand that. And then as far as anything else, like, obviously, potentially reviewing an investment property, Is there anything else that you're looking to do in the short term? Your savings. Yeah. And are you trying is that a goal to be, like, off a casual basis and potentially, like, some sort of permanent part time or full time? Yeah. Okay. So you're looking to do some form of training or just get into some sort of different industry for cooking? Yep. Not a problem at all. And in regards to anything else, is there anything else that you're working towards at the moment, Alan? Okay. Yep. No problem. Okay. And then you got sent home? Yep. Not a problem. And in regards to your insurances, Alan, you do, like, have life total permanent disability and income protection. Now the cost of those is getting quite high in terms of what is coming out, which is affecting your balance as well. Is that something you potentially want to review in regards to that as well? Yep. So you potentially want to look at a reduction in what you have? So you can obviously get rid of the income protection, but that would mean in the event that anything did happen to you, Alan, then while you sort of are, like, working, earning an income and things like that, you'd have to sort of rely on any sort of government assistant programs or rely on sort of having workers' compensation if the injury was to occur at work versus, like, outside of work, if that makes sense. Yep. And then within saying that, is that something you still wanna look at getting rid of? Or Was to pay off the house. And now that you paid off the house, you're not really too fussed on sort of if you end up working in that industry or finding like a different job because your debt's paid off? Yep. And then with regards to life and TPD portions because you are covered for the 650,000 of life and total permanent disability, is that something you wanted to look at potentially reducing or? Just leave it as is? You don't want to look at touching that one? Yep. And then in regards to your your health there, Alan, because we can obviously review and return to market. Obviously, the insurance costs do get more expensive as they get older. So we could look at potentially, like, going back to market, but with that, we'd have to do, like, a pre assessment and going through that process to just see how your current health is and then also, like, what your occupational duties and things like that are. And if as a casual basis, if they're willing to offer cover if you're not doing too much work at the moment. So within regards to your high blood pressure and cholesterol, when's the last time you sort of got that checked up, and was the doctor happy with everything? Next week, you have a checkout? Yep. Because with that, would you want to sort of look and see if there was a cheaper policy out there and do the pre assessment process to be able to review that, or is you just happy with the cover you have and you just want to look at maintaining the life and TPD portion? Yep. Did you wanna look at comparing that to other products on the market as a replacement, or are you happy just retaining the policy you do have? You don't want to go through the underwriting process at the moment or do that steps to be able to look at the replacing it with a cheaper option? Or yeah. Because with that, we would have to do a pre assessment there and get you booked in to be able to go through just a bit more about, like, what you are doing at the moment in terms of your work and then also a little bit more about your health and, like, current health conditions to be able to sort of assess how they might offer, like, a cheaper policy, if that makes sense. Okay. Not a problem. So we can look at doing that one. And then is there anything else that you wanted to potentially review at the moment there, Alan? Yep. Not a problem. So we can just look at reviewing your insurances, look at that investment for you, and then also just put in some estate planning there to help you sorta get a bit more knowledge on getting your estate planning matters sorted. So so within regards to any other questions you did have there, Alan, was there anything else that you wanted to have a chat about while you've got me there today? Yeah. And then getting an email for you from the mortgage broker. Yep. What was that? Sorry. Yeah. So within regards to self made super funds, you've got to make sure that you're able to service the loans. And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that. But in saying that, generally, it goes to thirty years on a mortgage or having a mortgage there. And then with you wanting to retire at the age of 60 through two, if all your money is tied up into a mortgage and you're actually still having to contribute to pay down that loan, you wouldn't be able to access any equity in your superannuation. So you'd have to keep working to be able to keep paying that loan, or you'd have to have a property that earns enough income that it's paying down the loan as well, if that makes sense. Yeah. No. No. No problem at all. And then, obviously, it comes at, like, quite a high setup cost and everything like that, and you do have to manage it yourself. So it becomes a bit of an issue there if you sort of are a bit busy or are away and have to do things like audit the fund and things like that and be able to manage things as well. No problem at all. Alan, if you did want some more information on that, you can always sort of have a further conversation. Yeah. But given you sort of when you do wanna look at sort of trying to retire and things like that as well, it might not sort of be in your your best interest there with how long you have to hold the loan for. So I won't take up all your time there this morning. That should give you enough information to be able to get a start on this, to be able to review those insurances there. But is there a time that I could book you in there, Alan, to be able to complete that pre assessment there? Yep. Are you busy sort of most days, or are you free at the moment before you go away? Yep. Let me just sort of bring up Yep. So if I could sort of organize a time sometime tomorrow, you'd obviously be sort of in the mornings because we finished a little bit earlier on a Friday, so we probably wouldn't be able to get you in an afternoon. But tomorrow morning sometime would probably work out for you. Okay. Not a problem. I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process. Not a problem. But do you have any other questions for me before I let you go there today, Alan? Perfect. Well, you enjoy the rest of your day. Thanks for your time this morning. I'll get a start on that for you just to review those things. Thanks. 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morning, Alan. It's Kyle. How are you today? No. That's perfectly fine.\n\nApologies for the the voice mail. I was reading an email, and I incorrectly called you. No. There's apologies for that one. But had you scheduled in there to just go over a quick sort of discussion around your sort of portfolio and and risk this morning?\n\nYep. Now with that one, I know you did have your end review the end of sort of last year, and then obviously since then, it's obviously taken quite a bit of a dive in terms of your superannuation balance. Now there are a few different reasons why that occurred. Now I'm not too sure if you remember your portfolio, but you did have a a managed fund called Bennelong. Now with that Bennelong fund, you did have quite an allocation to that, and they had an underlying investment that did get done to not reporting correctly.\n\nSo as a result of that, they were put on trading hold. Bennelong had to reevaluate those, and as a result, the fund itself took a bit of a significant hit. And then, obviously, the war in Iran has continued to sort of cause the markets as a whole to take a bit of a a decline, if that makes sense. Yep. Now as part of the review of the Bennelong from the investment committee at Oakview, I believe they issued in between that time a record of advice to move out of Bennelong to a BetaShares Australian two hundred, which is an alternative to that Ben Long investment because it's an Australian equity.\n\nIt's an index as opposed to, like, the actively managed fund, so it did remove that manager risk that you did hold. And then with that, it's moved into an index that is cheaper and then also historically has been a little bit less volatile and a little better in regards to returns over the recent years, if that makes sense. Yep. And then with all that in mind there, Alan, is there any specific questions in regards to your performance? I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about?\n\nSo within regards to, like, your superannuation, obviously, you can't access it till the age of 60 with conditions of release. But then with that, you also can make changes to it as well and sort of adjust your risk profile now. Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole. Now generally, in regards to that, much like with the tariff talk that Trump in the start of the year causes, like, significant volatility in the market and significant drops. And then from that, it typically recovers quite quickly in terms of, like, the the value being recovered as long as it sort of the it has stopped with in regards to the war and things sort of get back to normal.\n\nSo in saying that there might sort of be sort of, you know, three to six months there where it still doesn't do too much in terms of, like, return or bouncing back until that issue is resolved with the the war and, like, obviously, oil prices going up and things like that. But you still have a number of years. You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that. I know you wanted to potentially retire in sort of your early sixty's. So you can look at reducing risks and sort of lowering the amount of allocation to growth assets.\n\nBut with that, additionally, as well, you're sort of selling at a low and then sort of potentially buying some assets that are up a little bit if they're going a bit more defensive with that. And then making sort of change at the moment with it being so volatile, there is a chance that while you're sort of making those adjustments that the market does swing, you potentially miss out on some growth. But, historically, yeah, the long term and sort of that, you know, seven five to seven year or seven to ten year mark, Obviously, there's still conviction in the investments doing well over that period of time and recovering. It's more so the fact that the issue that you did have with that down along has already been replaced with that Australian 200, and you did crystallize some of those losses. But with the market dropping, you've obviously gone to a separate asset that will hopefully perform better than what Bennelong was recovering, if that makes sense.\n\nNo. We you could review the portfolio. You do have quite a high allocation to the BetaShares Australian two hundred. It makes up quite a significant portion of your portfolio. You could look at doing a portfolio update to basically look at adjusting it a little bit to improve your diversification a little bit and sort of making a bit of a spread.\n\nAnd then with the losses that were with Ben Long, it might offset some of that change as well. We can also run through a risk profile and see if you're still in line with a high growth investor, which is what you're currently invested in just to see if that might need adjusting as well. Obviously, with that, you know, the high growth is aiming for those higher returns over a longer period of time. And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have. Yeah.\n\nOkay. Because I'll run through a risk profile, and then we can have a bit of a discussion around that as well. So they've probably answered these questions before, but I'll run through them with you there, Alan. So within regards to investing, have you made direct share investments previously? Because I don't think we've spoken before.\n\nIn terms of, like, the review you had here for your annual review, you didn't get your reports or anything like that? Yeah. Because obviously, it's been quite a bad year in terms of, like, growth because it went up and then it went down with the tariff talk, and then it went up again, and it's gone down with what did occur. I can send you out your 12 monthly reports for you to be able to have a look at and sort of see. It's down about 4.3% from that.\n\nBut at the start of the year with the tariff talk, it was actually down 8% and then obviously recovered and took another dip. Now Yeah. And the tariff talk that caused the significant drop in the markets? Yeah. So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation balance.\n\nSo you can have a look at that and see why it's down to four point 3%. Yeah. Yeah. I'll email you a couple of reports there so you can have a review of those, Alan. And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us?\n\nYeah. No. That's fine. And then within regards to because obviously, you know, in sort of five years, you could potentially access some of your money if you wanted to. Now if that were the case, sort of, are you looking to try and access your money at 60?\n\nDo you feel like you'll still be working to, like, 65? Or Trying to get to that by the age of 62. Yeah. No. That's fine.\n\nAnd then as far as inflation's concerned with the cost of living going up, being able to take on or have to take on a bit more risk in regards to your investments to try and get a bit of a higher return as opposed to, like, sitting in cash and those sort of things, I would you consider yourself to be a bit of a a risk taker in terms of, like, getting that risk reward? Would you say it's a bit moderate or a bit higher in terms of taking on a bit risk to try and get a bit more growth out of your superannuation? Yes. So, generally, you you wanna take on a bit more risk, like, earlier to sort of you can better these tips. Yeah.\n\nAnd then as you get a bit older, you look at reducing it just to preserve the balance a little bit more and hopefully have a little less volatility. Because, obviously, in a high growth investment, you're still aiming to get sort of those higher figures out of your superannuation, that high growth to try and bolster that up while you have the time to recover the dips like what has occurred with this war and the tariff talk with Trump as opposed to doing that right up until you were looking to access your sort of money, if that makes sense. Yep. And then with the the decrease or if your portfolio was to decrease to about, like, 20% just due to what's going on with the war and everything in the market, how would that sort of make you feel? Would you sort of hold and wait that out to see how that might improve like you did with the tariffs, or you would sort of wanna see like, shift to more secure assets, like, with the defensive and going down a risk profile, or do you feel like you would wanna hold it out a bit more, like, with those tariffs to see how it does recover?\n\nYou'd want to be more defensive? Yep. Yep. And then with the regards to return and what you're trying to get out of your superannuation, what would you sort of be happy with if you were getting as a return out of your superannuation? Like, if you were getting six to 8%, you'd be okay with that reducing your risk, or you're trying to aim for still, like, 8% and above?\n\nYeah. And then with that, like, obviously, over the longer term returns can drop with that as well. So if you were reducing risk and getting sort of returns between 68%, would you be happy with that? Or yep. No.\n\nThat's fine. And then with what's happened and the drop, obviously, it's made you a little bit concerned in regards to your investment? With the war that is occurring and everything like that, does that make you a bit cautious in regards to your investments wanting to reduce those down at the moment? Yep. No.\n\nThat's perfectly fine. So within regards to borrowed money, this is the last question there. You do obviously have money invested into your property through a mortgage today or, like, previously. Now would you ever put borrowed money into anything else, Alan? Yeah.\n\nWould you ever borrow money again to invest in anything else, like another property if circumstances were different, like, in given the risk? Or Yep. If you want, we can put you in touch with a mortgage broker, and then you can have that conversation. Yep. Not a problem at all.\n\nSo that does bring you out there to a growth investor there, Alan, which is around that eighty twenty split as opposed to, like, the ninety ten sort of split you're in currently. With, obviously, with reducing risk, you potentially reduce the returns that you can get over the longer term, but you do experience a little less volatility. So with that, we can look at doing an update to reduce your risk down to a growth risk profile if that's what you'd like. Yep. Not a problem.\n\nAnd I will just go through and just confirm your details too and make sure everything's up to date with that. So currently, at the moment there, you've got the two dependents and you've got your your spouse still. Yep. And you're still working as a cook there, Alan? Yep.\n\nAnd with that, at the moment, has your employment changed much at all in terms of, like, your duties apart from, like, what you're doing? Do you do more office work? Or yep. Not a problem at all. And with that, are you still doing four weeks on, four weeks off?\n\nYep. And do you know roughly what your income is at the moment? Yep. And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on that? Not a problem.\n\nAnd do you know roughly at the moment what you're spending versus what you're saving in terms of, like, your your income once it's sort of broken down? I had here you were sort of spending around $7.50 a week and then saving around a thousand dollars. Does that sound about right? Yep. And then within regards to your savings, do you know roughly how much you're putting into savings at the moment?\n\nYep. And in general, do you know how much like, just as a a monthly amount you're putting into that savings account? Okay. Yep. No problem.\n\nAnd I will go in there. So with your employment to do you want any sort of enterprise bargaining agreement, or is it just an standard employment contract? Yeah. Not a problem. And then as far as your assets there, so you've got the house around 700,000.\n\nAnd how much do you have sitting in your savings at the moment, Alan? Okay. So that's your total amount that you've got sitting in savings? Yep. And do you have a car at the moment?\n\nOkay. Not a problem. And as far as any other assets or liabilities on, do you have anything else that you own currently that we're not sort of aware of? Yeah. Not a problem at all.\n\nAnd then as far as everything else, sir, in regards to your health, everything as far as you've been good, your high blood pressure is under control, and you're maintaining your cholesterol and everything? Yep. Not a problem. And as far as the will, have you managed to get a will sorted since we last spoke, Alan? A will?\n\nLike a will for your estate planning matters? No. That that's fine. So in regards to your goals and what you do wanna achieve, now I know your main goal is to pay off the house there and then just sort of do a few renovations. Is the moment you're just looking to maybe do some renovations now that you've paid off the house?\n\nYeah. No. I completely understand that. And then as far as anything else, like, obviously, potentially reviewing an investment property, Is there anything else that you're looking to do in the short term? Your savings.\n\nYeah. And are you trying is that a goal to be, like, off a casual basis and potentially, like, some sort of permanent part time or full time? Yeah. Okay. So you're looking to do some form of training or just get into some sort of different industry for cooking?\n\nYep. Not a problem at all. And in regards to anything else, is there anything else that you're working towards at the moment, Alan? Okay. Yep.\n\nNo problem. Okay. And then you got sent home? Yep. Not a problem.\n\nAnd in regards to your insurances, Alan, you do, like, have life total permanent disability and income protection. Now the cost of those is getting quite high in terms of what is coming out, which is affecting your balance as well. Is that something you potentially want to review in regards to that as well? Yep. So you potentially want to look at a reduction in what you have?\n\nSo you can obviously get rid of the income protection, but that would mean in the event that anything did happen to you, Alan, then while you sort of are, like, working, earning an income and things like that, you'd have to sort of rely on any sort of government assistant programs or rely on sort of having workers' compensation if the injury was to occur at work versus, like, outside of work, if that makes sense. Yep. And then within saying that, is that something you still wanna look at getting rid of? Or Was to pay off the house. And now that you paid off the house, you're not really too fussed on sort of if you end up working in that industry or finding like a different job because your debt's paid off?\n\nYep. And then with regards to life and TPD portions because you are covered for the 650,000 of life and total permanent disability, is that something you wanted to look at potentially reducing or? Just leave it as is? You don't want to look at touching that one? Yep.\n\nAnd then in regards to your your health there, Alan, because we can obviously review and return to market. Obviously, the insurance costs do get more expensive as they get older. So we could look at potentially, like, going back to market, but with that, we'd have to do, like, a pre assessment and going through that process to just see how your current health is and then also, like, what your occupational duties and things like that are. And if as a casual basis, if they're willing to offer cover if you're not doing too much work at the moment. So within regards to your high blood pressure and cholesterol, when's the last time you sort of got that checked up, and was the doctor happy with everything?\n\nNext week, you have a checkout? Yep. Because with that, would you want to sort of look and see if there was a cheaper policy out there and do the pre assessment process to be able to review that, or is you just happy with the cover you have and you just want to look at maintaining the life and TPD portion? Yep. Did you wanna look at comparing that to other products on the market as a replacement, or are you happy just retaining the policy you do have?\n\nYou don't want to go through the underwriting process at the moment or do that steps to be able to look at the replacing it with a cheaper option? Or yeah. Because with that, we would have to do a pre assessment there and get you booked in to be able to go through just a bit more about, like, what you are doing at the moment in terms of your work and then also a little bit more about your health and, like, current health conditions to be able to sort of assess how they might offer, like, a cheaper policy, if that makes sense. Okay. Not a problem.\n\nSo we can look at doing that one. And then is there anything else that you wanted to potentially review at the moment there, Alan? Yep. Not a problem. So we can just look at reviewing your insurances, look at that investment for you, and then also just put in some estate planning there to help you sorta get a bit more knowledge on getting your estate planning matters sorted.\n\nSo so within regards to any other questions you did have there, Alan, was there anything else that you wanted to have a chat about while you've got me there today? Yeah. And then getting an email for you from the mortgage broker. Yep. What was that?\n\nSorry. Yeah. So within regards to self made super funds, you've got to make sure that you're able to service the loans. And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that. But in saying that, generally, it goes to thirty years on a mortgage or having a mortgage there.\n\nAnd then with you wanting to retire at the age of 60 through two, if all your money is tied up into a mortgage and you're actually still having to contribute to pay down that loan, you wouldn't be able to access any equity in your superannuation. So you'd have to keep working to be able to keep paying that loan, or you'd have to have a property that earns enough income that it's paying down the loan as well, if that makes sense. Yeah. No. No.\n\nNo problem at all. And then, obviously, it comes at, like, quite a high setup cost and everything like that, and you do have to manage it yourself. So it becomes a bit of an issue there if you sort of are a bit busy or are away and have to do things like audit the fund and things like that and be able to manage things as well. No problem at all. Alan, if you did want some more information on that, you can always sort of have a further conversation.\n\nYeah. But given you sort of when you do wanna look at sort of trying to retire and things like that as well, it might not sort of be in your your best interest there with how long you have to hold the loan for. So I won't take up all your time there this morning. That should give you enough information to be able to get a start on this, to be able to review those insurances there. But is there a time that I could book you in there, Alan, to be able to complete that pre assessment there?\n\nYep. Are you busy sort of most days, or are you free at the moment before you go away? Yep. Let me just sort of bring up Yep. So if I could sort of organize a time sometime tomorrow, you'd obviously be sort of in the mornings because we finished a little bit earlier on a Friday, so we probably wouldn't be able to get you in an afternoon.\n\nBut tomorrow morning sometime would probably work out for you. Okay. Not a problem. I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process. Not a problem.\n\nBut do you have any other questions for me before I let you go there today, Alan? Perfect. Well, you enjoy the rest of your day. Thanks for your time this morning. I'll get a start on that for you just to review those things.\n\nThanks. Bye now.","paragraphs":[{"sentences":[{"text":"Good morning, Alan.","start":2.6399999,"end":3.36,"sentiment":"positive","sentiment_score":0.3928692638874054},{"text":"It's Kyle.","start":3.36,"end":4.0,"sentiment":"positive","sentiment_score":0.33676768839359283},{"text":"How are you today?","start":4.0,"end":4.8199997,"sentiment":"positive","sentiment_score":0.3864523768424988},{"text":"No.","start":9.28,"end":9.5199995,"sentiment":"neutral","sentiment_score":-0.03157731145620346},{"text":"That's perfectly fine.","start":9.5199995,"end":10.48,"sentiment":"neutral","sentiment_score":0.05280594527721405}],"sentiment":"neutral","sentiment_score":0.27113793847652584,"num_words":13,"start":2.6399999,"end":10.48},{"sentences":[{"text":"Apologies for the the voice mail.","start":10.48,"end":12.08,"sentiment":"neutral","sentiment_score":-0.20473172515630722},{"text":"I was reading an email, and I incorrectly called you.","start":12.08,"end":14.965,"sentiment":"neutral","sentiment_score":-0.13308737352490424},{"text":"No.","start":14.965,"end":15.285,"sentiment":"neutral","sentiment_score":-0.10717064142227171},{"text":"There's apologies for that one.","start":15.285,"end":16.825,"sentiment":"neutral","sentiment_score":-0.19468954503536223},{"text":"But had you scheduled in there to just go over a quick sort of discussion around your sort of portfolio and and risk this morning?","start":18.005,"end":25.544998,"sentiment":"neutral","sentiment_score":-0.0021650394052267073}],"sentiment":"neutral","sentiment_score":-0.07859592421099226,"num_words":47,"start":10.48,"end":25.544998},{"sentences":[{"text":"Yep.","start":30.039999,"end":30.539999,"sentiment":"neutral","sentiment_score":0.09980277717113496},{"text":"Now with that one, I know you did have your end review the end of sort of last year, and then obviously since then, it's obviously taken quite a bit of a dive in terms of your superannuation balance.","start":31.32,"end":42.355,"sentiment":"neutral","sentiment_score":-0.05735679859152207},{"text":"Now there are a few different reasons why that occurred.","start":42.355,"end":47.395,"sentiment":"neutral","sentiment_score":-0.12896775528788568},{"text":"Now I'm not too sure if you remember your portfolio, but you did have a a managed fund called Bennelong.","start":47.395,"end":51.975,"sentiment":"neutral","sentiment_score":-0.06679726475849748},{"text":"Now with that Bennelong fund, you did have quite an allocation to that, and they had an underlying investment that did get done to not reporting correctly.","start":52.355,"end":60.94,"sentiment":"neutral","sentiment_score":-0.11781039682251436}],"sentiment":"neutral","sentiment_score":-0.08189294773355588,"num_words":97,"start":30.039999,"end":60.94},{"sentences":[{"text":"So as a result of that, they were put on trading hold.","start":60.94,"end":63.42,"sentiment":"neutral","sentiment_score":-0.21929103756944338},{"text":"Bennelong had to reevaluate those, and as a result, the fund itself took a bit of a significant hit.","start":63.42,"end":68.455,"sentiment":"negative","sentiment_score":-0.33766064047813416},{"text":"And then, obviously, the war in Iran has continued to sort of cause the markets as a whole to take a bit of a a decline, if that makes sense.","start":68.915,"end":76.375,"sentiment":"negative","sentiment_score":-0.34176086684068047},{"text":"Yep.","start":78.595,"end":79.095,"sentiment":"neutral","sentiment_score":0.0901106894016266},{"text":"Now as part of the review of the Bennelong from the investment committee at Oakview, I believe they issued in between that time a record of advice to move out of Bennelong to a BetaShares Australian two hundred, which is an alternative to that Ben Long investment because it's an Australian equity.","start":79.715004,"end":97.445,"sentiment":"neutral","sentiment_score":0.06819746972849736}],"sentiment":"neutral","sentiment_score":-0.1373990483320596,"num_words":114,"start":60.94,"end":97.445},{"sentences":[{"text":"It's an index as opposed to, like, the actively managed fund, so it did remove that manager risk that you did hold.","start":97.585,"end":103.765,"sentiment":"neutral","sentiment_score":0.1131613975898786},{"text":"And then with that, it's moved into an index that is cheaper and then also historically has been a little bit less volatile and a little better in regards to returns over the recent years, if that makes sense.","start":104.385,"end":118.23,"sentiment":"neutral","sentiment_score":0.16596874365439782},{"text":"Yep.","start":120.53,"end":121.03,"sentiment":"neutral","sentiment_score":0.045802392065525055},{"text":"And then with all that in mind there, Alan, is there any specific questions in regards to your performance?","start":121.955,"end":129.235,"sentiment":"neutral","sentiment_score":0.058581620258720296},{"text":"I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about?","start":129.235,"end":138.8,"sentiment":"neutral","sentiment_score":0.02238588250027253}],"sentiment":"neutral","sentiment_score":0.0916186195332557,"num_words":120,"start":97.585,"end":138.8},{"sentences":[{"text":"So within regards to, like, your superannuation, obviously, you can't access it till the age of 60 with conditions of release.","start":171.37001,"end":178.055,"sentiment":"neutral","sentiment_score":-0.041381473697367166},{"text":"But then with that, you also can make changes to it as well and sort of adjust your risk profile now.","start":179.555,"end":184.855,"sentiment":"neutral","sentiment_score":0.1810013541863078},{"text":"Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole.","start":185.075,"end":195.48999,"sentiment":"neutral","sentiment_score":-0.1616485926412767},{"text":"Now generally, in regards to that, much like with the tariff talk that Trump in the start of the year causes, like, significant volatility in the market and significant drops.","start":195.48999,"end":204.62999,"sentiment":"neutral","sentiment_score":-0.2672077941397826},{"text":"And then from that, it typically recovers quite quickly in terms of, like, the the value being recovered as long as it sort of the it has stopped with in regards to the war and things sort of get back to normal.","start":204.76999,"end":217.97499,"sentiment":"neutral","sentiment_score":-0.06103361468939554}],"sentiment":"neutral","sentiment_score":-0.08730161739834423,"num_words":145,"start":171.37001,"end":217.97499},{"sentences":[{"text":"So in saying that there might sort of be sort of, you know, three to six months there where it still doesn't do too much in terms of, like, return or bouncing back until that issue is resolved with the the war and, like, obviously, oil prices going up and things like that.","start":218.19499,"end":231.69,"sentiment":"neutral","sentiment_score":-0.11713373344743026},{"text":"But you still have a number of years.","start":232.87,"end":235.475,"sentiment":"neutral","sentiment_score":-0.047728387638926506},{"text":"You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that.","start":235.475,"end":240.835,"sentiment":"neutral","sentiment_score":0.00974413126707077},{"text":"I know you wanted to potentially retire in sort of your early sixty's.","start":240.835,"end":244.05501,"sentiment":"neutral","sentiment_score":0.0734538109256671},{"text":"So you can look at reducing risks and sort of lowering the amount of allocation to growth assets.","start":244.51501,"end":249.6,"sentiment":"neutral","sentiment_score":0.12864376294116178}],"sentiment":"neutral","sentiment_score":-0.026289097582682584,"num_words":117,"start":218.19499,"end":249.6},{"sentences":[{"text":"But with that, additionally, as well, you're sort of selling at a low and then sort of potentially buying some assets that are up a little bit if they're going a bit more defensive with that.","start":249.6,"end":260.64,"sentiment":"neutral","sentiment_score":-0.1695721180488666},{"text":"And then making sort of change at the moment with it being so volatile, there is a chance that while you're sort of making those adjustments that the market does swing, you potentially miss out on some growth.","start":260.64,"end":270.545,"sentiment":"neutral","sentiment_score":-0.3092944818107705},{"text":"But, historically, yeah, the long term and sort of that, you know, seven five to seven year or seven to ten year mark, Obviously, there's still conviction in the investments doing well over that period of time and recovering.","start":271.565,"end":283.58,"sentiment":"neutral","sentiment_score":0.1767480741135585},{"text":"It's more so the fact that the issue that you did have with that down along has already been replaced with that Australian 200, and you did crystallize some of those losses.","start":284.44,"end":292.44498,"sentiment":"neutral","sentiment_score":-0.14801811007782817},{"text":"But with the market dropping, you've obviously gone to a separate asset that will hopefully perform better than what Bennelong was recovering, if that makes sense.","start":292.44498,"end":299.985,"sentiment":"neutral","sentiment_score":-0.0668703463788216}],"sentiment":"neutral","sentiment_score":-0.10198725261099158,"num_words":171,"start":249.6,"end":299.985},{"sentences":[{"text":"No.","start":307.26,"end":307.42,"sentiment":"neutral","sentiment_score":-0.015056762844324112},{"text":"We you could review the portfolio.","start":307.42,"end":309.52,"sentiment":"neutral","sentiment_score":0.05638115728894869},{"text":"You do have quite a high allocation to the BetaShares Australian two hundred.","start":309.74,"end":314.54,"sentiment":"neutral","sentiment_score":0.24581465354332557},{"text":"It makes up quite a significant portion of your portfolio.","start":314.54,"end":316.96,"sentiment":"neutral","sentiment_score":0.29510881304740905},{"text":"You could look at doing a portfolio update to basically look at adjusting it a little bit to improve your diversification a little bit and sort of making a bit of a spread.","start":317.405,"end":327.58502,"sentiment":"neutral","sentiment_score":0.2645269663948001}],"sentiment":"neutral","sentiment_score":0.24125870949928724,"num_words":63,"start":307.26,"end":327.58502},{"sentences":[{"text":"And then with the losses that were with Ben Long, it might offset some of that change as well.","start":327.885,"end":332.385,"sentiment":"neutral","sentiment_score":0.11970621739563189},{"text":"We can also run through a risk profile and see if you're still in line with a high growth investor, which is what you're currently invested in just to see if that might need adjusting as well.","start":332.97,"end":344.43,"sentiment":"neutral","sentiment_score":0.14725029146349108},{"text":"Obviously, with that, you know, the high growth is aiming for those higher returns over a longer period of time.","start":344.72998,"end":349.42502,"sentiment":"neutral","sentiment_score":0.3239741031080484},{"text":"And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have.","start":349.42502,"end":367.15,"sentiment":"neutral","sentiment_score":-0.0698463455008875},{"text":"Yeah.","start":375.705,"end":375.865,"sentiment":"neutral","sentiment_score":0.07694840431213379}],"sentiment":"neutral","sentiment_score":0.06387663398691941,"num_words":147,"start":327.885,"end":375.865},{"sentences":[{"text":"Okay.","start":375.865,"end":376.185,"sentiment":"neutral","sentiment_score":0.07457783818244934},{"text":"Because I'll run through a risk profile, and then we can have a bit of a discussion around that as well.","start":376.185,"end":381.085,"sentiment":"neutral","sentiment_score":0.0890902378374622},{"text":"So they've probably answered these questions before, but I'll run through them with you there, Alan.","start":382.185,"end":386.39,"sentiment":"neutral","sentiment_score":0.0958802504464984},{"text":"So within regards to investing, have you made direct share investments previously?","start":386.45,"end":389.73,"sentiment":"neutral","sentiment_score":0.030932127653310697},{"text":"Because I don't think we've spoken before.","start":389.73,"end":391.51,"sentiment":"neutral","sentiment_score":-0.017568083480000496}],"sentiment":"neutral","sentiment_score":0.06539939977882202,"num_words":57,"start":375.865,"end":391.51},{"sentences":[{"text":"In terms of, like, the review you had here for your annual review, you didn't get your reports or anything like that?","start":435.07,"end":440.29,"sentiment":"neutral","sentiment_score":-0.029004745778035034},{"text":"Yeah.","start":443.71,"end":444.19,"sentiment":"neutral","sentiment_score":0.02039699070155621},{"text":"Because obviously, it's been quite a bad year in terms of, like, growth because it went up and then it went down with the tariff talk, and then it went up again, and it's gone down with what did occur.","start":444.19,"end":453.155,"sentiment":"neutral","sentiment_score":-0.27983375657349824},{"text":"I can send you out your 12 monthly reports for you to be able to have a look at and sort of see.","start":453.615,"end":457.775,"sentiment":"neutral","sentiment_score":0.08349644384630349},{"text":"It's down about 4.3% from that.","start":457.775,"end":461.1,"sentiment":"neutral","sentiment_score":-0.3205956866343816}],"sentiment":"neutral","sentiment_score":-0.1284153651162658,"num_words":92,"start":435.07,"end":461.1},{"sentences":[{"text":"But at the start of the year with the tariff talk, it was actually down 8% and then obviously recovered and took another dip.","start":461.5,"end":467.04,"sentiment":"neutral","sentiment_score":-0.28664614260196686},{"text":"Now Yeah.","start":467.5,"end":490.81,"sentiment":"neutral","sentiment_score":-0.11077941581606865},{"text":"And the tariff talk that caused the significant drop in the markets?","start":490.81,"end":493.95,"sentiment":"neutral","sentiment_score":-0.17528265404204527},{"text":"Yeah.","start":499.305,"end":499.625,"sentiment":"neutral","sentiment_score":0.026968229562044144},{"text":"So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation balance.","start":499.625,"end":509.22498,"sentiment":"neutral","sentiment_score":-0.0003007213171157572}],"sentiment":"neutral","sentiment_score":-0.12251087787250678,"num_words":75,"start":461.5,"end":509.22498},{"sentences":[{"text":"So you can have a look at that and see why it's down to four point 3%.","start":509.22498,"end":512.52496,"sentiment":"neutral","sentiment_score":-0.020769686602494297},{"text":"Yeah.","start":512.61,"end":513.11,"sentiment":"neutral","sentiment_score":-0.08928372710943222},{"text":"Yeah.","start":521.73,"end":522.05,"sentiment":"neutral","sentiment_score":-0.00144239142537117},{"text":"I'll email you a couple of reports there so you can have a review of those, Alan.","start":522.05,"end":525.99,"sentiment":"neutral","sentiment_score":0.07951915001167971},{"text":"And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us?","start":526.985,"end":534.605,"sentiment":"neutral","sentiment_score":0.015170973092317581}],"sentiment":"neutral","sentiment_score":0.021103099782447347,"num_words":61,"start":509.22498,"end":534.605},{"sentences":[{"text":"Yeah.","start":538.6,"end":538.84,"sentiment":"neutral","sentiment_score":-0.009632838889956474},{"text":"No.","start":538.84,"end":538.92,"sentiment":"neutral","sentiment_score":-0.03006620705127716},{"text":"That's fine.","start":538.92,"end":539.82,"sentiment":"neutral","sentiment_score":0.0619973111897707},{"text":"And then within regards to because obviously, you know, in sort of five years, you could potentially access some of your money if you wanted to.","start":539.96,"end":546.92,"sentiment":"neutral","sentiment_score":-0.002526941207739023},{"text":"Now if that were the case, sort of, are you looking to try and access your money at 60?","start":546.92,"end":552.945,"sentiment":"neutral","sentiment_score":-0.01443804378964399}],"sentiment":"neutral","sentiment_score":-0.0052189332033906665,"num_words":49,"start":538.6,"end":552.945},{"sentences":[{"text":"Do you feel like you'll still be working to, like, 65?","start":553.105,"end":555.825,"sentiment":"neutral","sentiment_score":-0.04586091028018431},{"text":"Or Trying to get to that by the age of 62.","start":555.825,"end":572.96,"sentiment":"neutral","sentiment_score":0.005444768985564058},{"text":"Yeah.","start":572.96,"end":573.2,"sentiment":"neutral","sentiment_score":0.12695999443531036},{"text":"No.","start":573.2,"end":573.36005,"sentiment":"neutral","sentiment_score":-0.12620678544044495},{"text":"That's fine.","start":573.36005,"end":574.10004,"sentiment":"neutral","sentiment_score":0.12628428265452385}],"sentiment":"neutral","sentiment_score":-0.007355991536034988,"num_words":26,"start":553.105,"end":574.10004},{"sentences":[{"text":"And then as far as inflation's concerned with the cost of living going up, being able to take on or have to take on a bit more risk in regards to your investments to try and get a bit of a higher return as opposed to, like, sitting in cash and those sort of things, I would you consider yourself to be a bit of a a risk taker in terms of, like, getting that risk reward?","start":574.96,"end":593.23,"sentiment":"neutral","sentiment_score":0.08395599672425684},{"text":"Would you say it's a bit moderate or a bit higher in terms of taking on a bit risk to try and get a bit more growth out of your superannuation?","start":593.23,"end":599.33,"sentiment":"neutral","sentiment_score":0.09182885745840688},{"text":"Yes.","start":614.685,"end":614.92505,"sentiment":"neutral","sentiment_score":0.12575200200080872},{"text":"So, generally, you you wanna take on a bit more risk, like, earlier to sort of you can better these tips.","start":614.92505,"end":621.49,"sentiment":"neutral","sentiment_score":0.09224057587839309},{"text":"Yeah.","start":621.87,"end":622.26996,"sentiment":"neutral","sentiment_score":0.2996549606323242}],"sentiment":"neutral","sentiment_score":0.08911271286303647,"num_words":131,"start":574.96,"end":622.26996},{"sentences":[{"text":"And then as you get a bit older, you look at reducing it just to preserve the balance a little bit more and hopefully have a little less volatility.","start":622.26996,"end":628.29,"sentiment":"neutral","sentiment_score":0.12780201897538943},{"text":"Because, obviously, in a high growth investment, you're still aiming to get sort of those higher figures out of your superannuation, that high growth to try and bolster that up while you have the time to recover the dips like what has occurred with this war and the tariff talk with Trump as opposed to doing that right up until you were looking to access your sort of money, if that makes sense.","start":628.75,"end":646.8,"sentiment":"neutral","sentiment_score":0.16345749632136464},{"text":"Yep.","start":648.8,"end":649.3,"sentiment":"neutral","sentiment_score":0.23685690760612488},{"text":"And then with the the decrease or if your portfolio was to decrease to about, like, 20% just due to what's going on with the war and everything in the market, how would that sort of make you feel?","start":649.92,"end":659.04,"sentiment":"neutral","sentiment_score":-0.06087257292790291},{"text":"Would you sort of hold and wait that out to see how that might improve like you did with the tariffs, or you would sort of wanna see like, shift to more secure assets, like, with the defensive and going down a risk profile, or do you feel like you would wanna hold it out a bit more, like, with those tariffs to see how it does recover?","start":659.04,"end":677.46497,"sentiment":"neutral","sentiment_score":0.06701635037932326}],"sentiment":"neutral","sentiment_score":0.08599330557598954,"num_words":210,"start":622.26996,"end":677.46497},{"sentences":[{"text":"You'd want to be more defensive?","start":682.78,"end":684.24,"sentiment":"neutral","sentiment_score":-0.0110319295587639},{"text":"Yep.","start":684.3,"end":684.8,"sentiment":"neutral","sentiment_score":0.0710124522447586},{"text":"Yep.","start":686.78,"end":687.28,"sentiment":"neutral","sentiment_score":0.09852129220962524},{"text":"And then with the regards to return and what you're trying to get out of your superannuation, what would you sort of be happy with if you were getting as a return out of your superannuation?","start":687.42004,"end":695.195,"sentiment":"neutral","sentiment_score":0.22774265240877867},{"text":"Like, if you were getting six to 8%, you'd be okay with that reducing your risk, or you're trying to aim for still, like, 8% and above?","start":695.575,"end":702.155,"sentiment":"neutral","sentiment_score":0.24465372689344264}],"sentiment":"neutral","sentiment_score":0.20996800394282794,"num_words":71,"start":682.78,"end":702.155},{"sentences":[{"text":"Yeah.","start":708.79004,"end":709.11005,"sentiment":"neutral","sentiment_score":0.1166435033082962},{"text":"And then with that, like, obviously, over the longer term returns can drop with that as well.","start":709.11005,"end":713.03,"sentiment":"neutral","sentiment_score":-0.029435018187060076},{"text":"So if you were reducing risk and getting sort of returns between 68%, would you be happy with that?","start":713.03,"end":717.83,"sentiment":"neutral","sentiment_score":0.03349346922416436},{"text":"Or yep.","start":717.83,"end":726.305,"sentiment":"neutral","sentiment_score":-0.06387251615524292},{"text":"No.","start":726.445,"end":726.765,"sentiment":"neutral","sentiment_score":-0.19253407418727875}],"sentiment":"neutral","sentiment_score":-0.0016913749277591705,"num_words":40,"start":708.79004,"end":726.765},{"sentences":[{"text":"That's fine.","start":726.765,"end":727.58496,"sentiment":"neutral","sentiment_score":-0.102218858897686},{"text":"And then with what's happened and the drop, obviously, it's made you a little bit concerned in regards to your investment?","start":728.52496,"end":733.90497,"sentiment":"neutral","sentiment_score":-0.22992676886774244},{"text":"With the war that is occurring and everything like that, does that make you a bit cautious in regards to your investments wanting to reduce those down at the moment?","start":734.1,"end":746.985,"sentiment":"neutral","sentiment_score":-0.2550868401924769},{"text":"Yep.","start":751.225,"end":751.545,"sentiment":"neutral","sentiment_score":0.08678001165390015},{"text":"No.","start":751.545,"end":751.785,"sentiment":"neutral","sentiment_score":0.02034959197044373}],"sentiment":"neutral","sentiment_score":-0.22869773574850777,"num_words":55,"start":726.765,"end":751.785},{"sentences":[{"text":"That's perfectly fine.","start":751.785,"end":753.005,"sentiment":"neutral","sentiment_score":0.13487854103247324},{"text":"So within regards to borrowed money, this is the last question there.","start":753.865,"end":757.885,"sentiment":"neutral","sentiment_score":0.026503618496159714},{"text":"You do obviously have money invested into your property through a mortgage today or, like, previously.","start":758.265,"end":765.06,"sentiment":"neutral","sentiment_score":0.028273043921217322},{"text":"Now would you ever put borrowed money into anything else, Alan?","start":765.44,"end":769.14,"sentiment":"neutral","sentiment_score":-0.019745077260515907},{"text":"Yeah.","start":772.48,"end":772.8,"sentiment":"neutral","sentiment_score":0.017565693706274033}],"sentiment":"neutral","sentiment_score":0.022684130037939825,"num_words":43,"start":751.785,"end":772.8},{"sentences":[{"text":"Would you ever borrow money again to invest in anything else, like another property if circumstances were different, like, in given the risk?","start":772.8,"end":778.84503,"sentiment":"neutral","sentiment_score":-0.033967870247104896},{"text":"Or Yep.","start":778.84503,"end":795.84,"sentiment":"neutral","sentiment_score":0.08801673725247383},{"text":"If you want, we can put you in touch with a mortgage broker, and then you can have that conversation.","start":796.22003,"end":801.345,"sentiment":"neutral","sentiment_score":0.13362949378788472},{"text":"Yep.","start":807.725,"end":808.225,"sentiment":"neutral","sentiment_score":0.19947871565818787},{"text":"Not a problem at all.","start":809.005,"end":810.225,"sentiment":"positive","sentiment_score":0.39392964243888856}],"sentiment":"neutral","sentiment_score":0.08306841691042863,"num_words":51,"start":772.8,"end":810.225},{"sentences":[{"text":"So that does bring you out there to a growth investor there, Alan, which is around that eighty twenty split as opposed to, like, the ninety ten sort of split you're in currently.","start":810.76495,"end":820.58997,"sentiment":"neutral","sentiment_score":0.29551686414263467},{"text":"With, obviously, with reducing risk, you potentially reduce the returns that you can get over the longer term, but you do experience a little less volatility.","start":821.37,"end":828.58997,"sentiment":"positive","sentiment_score":0.3715303683510193},{"text":"So with that, we can look at doing an update to reduce your risk down to a growth risk profile if that's what you'd like.","start":830.255,"end":836.435,"sentiment":"neutral","sentiment_score":0.29408648252487185},{"text":"Yep.","start":839.455,"end":839.955,"sentiment":"neutral","sentiment_score":0.2728395462036133},{"text":"Not a problem.","start":840.495,"end":841.315,"sentiment":"positive","sentiment_score":0.37711172302563983}],"sentiment":"neutral","sentiment_score":0.32009298718449747,"num_words":88,"start":810.76495,"end":841.315},{"sentences":[{"text":"And I will just go through and just confirm your details too and make sure everything's up to date with that.","start":842.19,"end":849.47003,"sentiment":"neutral","sentiment_score":0.33266980449358624},{"text":"So currently, at the moment there, you've got the two dependents and you've got your your spouse still.","start":849.47003,"end":857.86505,"sentiment":"neutral","sentiment_score":0.11606906954612997},{"text":"Yep.","start":859.685,"end":860.16504,"sentiment":"neutral","sentiment_score":0.08793050050735474},{"text":"And you're still working as a cook there, Alan?","start":860.16504,"end":862.905,"sentiment":"neutral","sentiment_score":0.053904589265584946},{"text":"Yep.","start":865.125,"end":865.525,"sentiment":"neutral","sentiment_score":0.05041888356208801}],"sentiment":"neutral","sentiment_score":0.19397599667310714,"num_words":50,"start":842.19,"end":865.525},{"sentences":[{"text":"And with that, at the moment, has your employment changed much at all in terms of, like, your duties apart from, like, what you're doing?","start":865.525,"end":873.0,"sentiment":"neutral","sentiment_score":-0.01984676718711853},{"text":"Do you do more office work?","start":873.0,"end":874.28,"sentiment":"neutral","sentiment_score":-0.03672960586845875},{"text":"Or yep.","start":874.28,"end":878.52,"sentiment":"neutral","sentiment_score":0.024721822701394558},{"text":"Not a problem at all.","start":878.52,"end":879.74005,"sentiment":"neutral","sentiment_score":0.12902979999780656},{"text":"And with that, are you still doing four weeks on, four weeks off?","start":880.605,"end":883.665,"sentiment":"neutral","sentiment_score":0.019859743806032035}],"sentiment":"neutral","sentiment_score":0.004631813725127894,"num_words":51,"start":865.525,"end":883.665},{"sentences":[{"text":"Yep.","start":885.96497,"end":886.285,"sentiment":"neutral","sentiment_score":0.0753801167011261},{"text":"And do you know roughly what your income is at the moment?","start":886.285,"end":889.02496,"sentiment":"neutral","sentiment_score":0.01329677707205216},{"text":"Yep.","start":896.54,"end":897.04,"sentiment":"neutral","sentiment_score":0.04687538743019104},{"text":"And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on that?","start":897.9,"end":906.195,"sentiment":"neutral","sentiment_score":-0.0007898270807884357},{"text":"Not a problem.","start":910.03503,"end":910.855,"sentiment":"neutral","sentiment_score":0.17309679370373487}],"sentiment":"neutral","sentiment_score":0.01772231543013318,"num_words":44,"start":885.96497,"end":910.855},{"sentences":[{"text":"And do you know roughly at the moment what you're spending versus what you're saving in terms of, like, your your income once it's sort of broken down?","start":911.075,"end":917.875,"sentiment":"neutral","sentiment_score":0.006887184929967459},{"text":"I had here you were sort of spending around $7.50 a week and then saving around a thousand dollars.","start":917.875,"end":922.39,"sentiment":"neutral","sentiment_score":0.013280828703979128},{"text":"Does that sound about right?","start":922.39,"end":923.69,"sentiment":"neutral","sentiment_score":0.027956171333789824},{"text":"Yep.","start":947.3,"end":947.62,"sentiment":"neutral","sentiment_score":0.13592778146266937},{"text":"And then within regards to your savings, do you know roughly how much you're putting into savings at the moment?","start":947.62,"end":954.27997,"sentiment":"neutral","sentiment_score":0.1043222688138485}],"sentiment":"neutral","sentiment_score":0.03845658818936001,"num_words":73,"start":911.075,"end":954.27997},{"sentences":[{"text":"Yep.","start":966.515,"end":966.91504,"sentiment":"neutral","sentiment_score":0.16317063570022583},{"text":"And in general, do you know how much like, just as a a monthly amount you're putting into that savings account?","start":966.91504,"end":974.07,"sentiment":"neutral","sentiment_score":0.08415834162206877},{"text":"Okay.","start":991.185,"end":991.665,"sentiment":"neutral","sentiment_score":0.05780210718512535},{"text":"Yep.","start":991.665,"end":991.985,"sentiment":"neutral","sentiment_score":0.08940579742193222},{"text":"No problem.","start":991.985,"end":992.725,"sentiment":"neutral","sentiment_score":0.157990001142025}],"sentiment":"neutral","sentiment_score":0.09206475833287606,"num_words":26,"start":966.515,"end":992.725},{"sentences":[{"text":"And I will go in there.","start":995.67,"end":997.11,"sentiment":"neutral","sentiment_score":0.17742034792900085},{"text":"So with your employment to do you want any sort of enterprise bargaining agreement, or is it just an standard employment contract?","start":997.11,"end":1003.05,"sentiment":"neutral","sentiment_score":0.02472416040572253},{"text":"Yeah.","start":1009.125,"end":1009.525,"sentiment":"neutral","sentiment_score":0.042999088764190674},{"text":"Not a problem.","start":1009.525,"end":1010.265,"sentiment":"neutral","sentiment_score":0.0903760405878226},{"text":"And then as far as your assets there, so you've got the house around 700,000.","start":1012.80505,"end":1017.525,"sentiment":"neutral","sentiment_score":0.05482149521509806}],"sentiment":"neutral","sentiment_score":0.058402196920298514,"num_words":47,"start":995.67,"end":1017.525},{"sentences":[{"text":"And how much do you have sitting in your savings at the moment, Alan?","start":1017.525,"end":1020.265,"sentiment":"neutral","sentiment_score":0.059285299320306094},{"text":"Okay.","start":1026.86,"end":1027.1799,"sentiment":"neutral","sentiment_score":0.08319091796875},{"text":"So that's your total amount that you've got sitting in savings?","start":1027.1799,"end":1029.6,"sentiment":"neutral","sentiment_score":0.09493852068077434},{"text":"Yep.","start":1033.2749,"end":1033.6749,"sentiment":"neutral","sentiment_score":0.04583735764026642},{"text":"And do you have a car at the moment?","start":1033.6749,"end":1035.455,"sentiment":"neutral","sentiment_score":0.01186084147128794}],"sentiment":"neutral","sentiment_score":0.05861371574509475,"num_words":36,"start":1017.525,"end":1035.455},{"sentences":[{"text":"Okay.","start":1039.835,"end":1040.235,"sentiment":"neutral","sentiment_score":0.07679803669452667},{"text":"Not a problem.","start":1040.235,"end":1040.7949,"sentiment":"neutral","sentiment_score":0.10146885861953099},{"text":"And as far as any other assets or liabilities on, do you have anything else that you own currently that we're not sort of aware of?","start":1040.7949,"end":1047.15,"sentiment":"neutral","sentiment_score":0.026491562620951578},{"text":"Yeah.","start":1051.87,"end":1052.27,"sentiment":"neutral","sentiment_score":0.0743924155831337},{"text":"Not a problem at all.","start":1052.27,"end":1053.49,"sentiment":"neutral","sentiment_score":0.12269527614116668}],"sentiment":"neutral","sentiment_score":0.04882927880518966,"num_words":36,"start":1039.835,"end":1053.49},{"sentences":[{"text":"And then as far as everything else, sir, in regards to your health, everything as far as you've been good, your high blood pressure is under control, and you're maintaining your cholesterol and everything?","start":1054.75,"end":1063.855,"sentiment":"neutral","sentiment_score":0.2590085511260173},{"text":"Yep.","start":1066.715,"end":1067.115,"sentiment":"neutral","sentiment_score":0.27590179443359375},{"text":"Not a problem.","start":1067.115,"end":1067.9349,"sentiment":"positive","sentiment_score":0.37402745087941486},{"text":"And as far as the will, have you managed to get a will sorted since we last spoke, Alan?","start":1068.715,"end":1072.975,"sentiment":"neutral","sentiment_score":0.09216504465592534},{"text":"A will?","start":1075.77,"end":1076.51,"sentiment":"neutral","sentiment_score":-0.0011217775754630566}],"sentiment":"neutral","sentiment_score":0.2025960538757302,"num_words":59,"start":1054.75,"end":1076.51},{"sentences":[{"text":"Like a will for your estate planning matters?","start":1076.65,"end":1079.23,"sentiment":"neutral","sentiment_score":0.026485675596632063},{"text":"No.","start":1083.21,"end":1083.53,"sentiment":"neutral","sentiment_score":-0.08618280291557312},{"text":"That that's fine.","start":1083.53,"end":1084.51,"sentiment":"neutral","sentiment_score":0.0891082634528478},{"text":"So in regards to your goals and what you do wanna achieve, now I know your main goal is to pay off the house there and then just sort of do a few renovations.","start":1086.425,"end":1094.525,"sentiment":"neutral","sentiment_score":0.08757753801696441},{"text":"Is the moment you're just looking to maybe do some renovations now that you've paid off the house?","start":1094.665,"end":1098.605,"sentiment":"neutral","sentiment_score":-0.020340068369275995}],"sentiment":"neutral","sentiment_score":0.04694597584602889,"num_words":64,"start":1076.65,"end":1098.605},{"sentences":[{"text":"Yeah.","start":1105.9401,"end":1106.3401,"sentiment":"neutral","sentiment_score":-0.10334452986717224},{"text":"No.","start":1106.3401,"end":1106.5801,"sentiment":"neutral","sentiment_score":-0.1889960616827011},{"text":"I completely understand that.","start":1106.5801,"end":1108.12,"sentiment":"neutral","sentiment_score":-0.15439271740615368},{"text":"And then as far as anything else, like, obviously, potentially reviewing an investment property, Is there anything else that you're looking to do in the short term?","start":1109.3,"end":1117.455,"sentiment":"neutral","sentiment_score":-0.02150542785724004},{"text":"Your savings.","start":1148.025,"end":1148.765,"sentiment":"neutral","sentiment_score":0.008494473993778229}],"sentiment":"neutral","sentiment_score":-0.04210197329521179,"num_words":35,"start":1105.9401,"end":1148.765},{"sentences":[{"text":"Yeah.","start":1148.905,"end":1149.405,"sentiment":"neutral","sentiment_score":0.04209832102060318},{"text":"And are you trying is that a goal to be, like, off a casual basis and potentially, like, some sort of permanent part time or full time?","start":1150.505,"end":1157.01,"sentiment":"neutral","sentiment_score":0.08668626831085594},{"text":"Yeah.","start":1171.165,"end":1171.405,"sentiment":"neutral","sentiment_score":0.05796222761273384},{"text":"Okay.","start":1171.405,"end":1171.905,"sentiment":"neutral","sentiment_score":0.04935489594936371},{"text":"So you're looking to do some form of training or just get into some sort of different industry for cooking?","start":1174.2051,"end":1179.905,"sentiment":"neutral","sentiment_score":0.015997975366190076}],"sentiment":"neutral","sentiment_score":0.05619808392599225,"num_words":50,"start":1148.905,"end":1179.905},{"sentences":[{"text":"Yep.","start":1182.15,"end":1182.63,"sentiment":"neutral","sentiment_score":0.1438901722431183},{"text":"Not a problem at all.","start":1182.63,"end":1183.85,"sentiment":"neutral","sentiment_score":0.30925384163856506},{"text":"And in regards to anything else, is there anything else that you're working towards at the moment, Alan?","start":1184.71,"end":1188.65,"sentiment":"neutral","sentiment_score":0.11761444517307812},{"text":"Okay.","start":1199.925,"end":1200.425,"sentiment":"neutral","sentiment_score":0.0596744604408741},{"text":"Yep.","start":1200.485,"end":1200.985,"sentiment":"neutral","sentiment_score":0.060771554708480835}],"sentiment":"neutral","sentiment_score":0.15106405418079633,"num_words":26,"start":1182.15,"end":1200.985},{"sentences":[{"text":"No problem.","start":1202.325,"end":1203.0651,"sentiment":"neutral","sentiment_score":0.06266243383288383},{"text":"Okay.","start":1208.02,"end":1208.5,"sentiment":"neutral","sentiment_score":-0.015017455443739893},{"text":"And then you got sent home?","start":1208.5,"end":1210.2001,"sentiment":"neutral","sentiment_score":-0.024365331046283245},{"text":"Yep.","start":1222.435,"end":1222.915,"sentiment":"neutral","sentiment_score":0.08728069067001343},{"text":"Not a problem.","start":1222.915,"end":1223.735,"sentiment":"neutral","sentiment_score":0.12579265733559927}],"sentiment":"neutral","sentiment_score":0.032982622201626115,"num_words":13,"start":1202.325,"end":1223.735},{"sentences":[{"text":"And in regards to your insurances, Alan, you do, like, have life total permanent disability and income protection.","start":1224.035,"end":1230.9601,"sentiment":"neutral","sentiment_score":-0.12110628746449947},{"text":"Now the cost of those is getting quite high in terms of what is coming out, which is affecting your balance as well.","start":1230.9601,"end":1237.2201,"sentiment":"negative","sentiment_score":-0.3553539786649787},{"text":"Is that something you potentially want to review in regards to that as well?","start":1237.4401,"end":1241.055,"sentiment":"neutral","sentiment_score":-0.13358123334390776},{"text":"Yep.","start":1250.5751,"end":1250.895,"sentiment":"neutral","sentiment_score":-0.05438455194234848},{"text":"So you potentially want to look at a reduction in what you have?","start":1250.895,"end":1254.8351,"sentiment":"neutral","sentiment_score":-0.1424836149582496}],"sentiment":"neutral","sentiment_score":-0.20478063038941743,"num_words":69,"start":1224.035,"end":1254.8351},{"sentences":[{"text":"So you can obviously get rid of the income protection, but that would mean in the event that anything did happen to you, Alan, then while you sort of are, like, working, earning an income and things like that, you'd have to sort of rely on any sort of government assistant programs or rely on sort of having workers' compensation if the injury was to occur at work versus, like, outside of work, if that makes sense.","start":1268.745,"end":1292.92,"sentiment":"neutral","sentiment_score":-0.15405319089239294},{"text":"Yep.","start":1295.405,"end":1295.905,"sentiment":"neutral","sentiment_score":0.05418987199664116},{"text":"And then within saying that, is that something you still wanna look at getting rid of?","start":1296.045,"end":1300.8451,"sentiment":"neutral","sentiment_score":-0.10413711564615369},{"text":"Or Was to pay off the house.","start":1300.8451,"end":1314.1399,"sentiment":"neutral","sentiment_score":-0.17316792266709463},{"text":"And now that you paid off the house, you're not really too fussed on sort of if you end up working in that industry or finding like a different job because your debt's paid off?","start":1314.1399,"end":1321.5751,"sentiment":"neutral","sentiment_score":-0.03598807081580162}],"sentiment":"neutral","sentiment_score":-0.1172489530461676,"num_words":136,"start":1268.745,"end":1321.5751},{"sentences":[{"text":"Yep.","start":1325.555,"end":1325.795,"sentiment":"neutral","sentiment_score":0.19571253657341003},{"text":"And then with regards to life and TPD portions because you are covered for the 650,000 of life and total permanent disability, is that something you wanted to look at potentially reducing or?","start":1325.795,"end":1336.89,"sentiment":"neutral","sentiment_score":0.056690316647291183},{"text":"Just leave it as is?","start":1341.93,"end":1342.97,"sentiment":"neutral","sentiment_score":0.004371267929673195},{"text":"You don't want to look at touching that one?","start":1342.97,"end":1344.83,"sentiment":"neutral","sentiment_score":-0.17501238733530045},{"text":"Yep.","start":1346.65,"end":1347.15,"sentiment":"neutral","sentiment_score":0.13258767127990723}],"sentiment":"neutral","sentiment_score":0.013180112466216087,"num_words":49,"start":1325.555,"end":1347.15},{"sentences":[{"text":"And then in regards to your your health there, Alan, because we can obviously review and return to market.","start":1347.37,"end":1352.685,"sentiment":"neutral","sentiment_score":0.08819854592806414},{"text":"Obviously, the insurance costs do get more expensive as they get older.","start":1352.8251,"end":1356.765,"sentiment":"neutral","sentiment_score":-0.13551977959771952},{"text":"So we could look at potentially, like, going back to market, but with that, we'd have to do, like, a pre assessment and going through that process to just see how your current health is and then also, like, what your occupational duties and things like that are.","start":1356.8251,"end":1368.79,"sentiment":"neutral","sentiment_score":0.03591917889813582},{"text":"And if as a casual basis, if they're willing to offer cover if you're not doing too much work at the moment.","start":1369.49,"end":1374.63,"sentiment":"neutral","sentiment_score":-0.052860600958493625},{"text":"So within regards to your high blood pressure and cholesterol, when's the last time you sort of got that checked up, and was the doctor happy with everything?","start":1375.41,"end":1382.345,"sentiment":"neutral","sentiment_score":-0.017437401826360395}],"sentiment":"neutral","sentiment_score":0.0009494196305903353,"num_words":129,"start":1347.37,"end":1382.345},{"sentences":[{"text":"Next week, you have a checkout?","start":1390.58,"end":1391.96,"sentiment":"neutral","sentiment_score":0.02748951098571221},{"text":"Yep.","start":1399.14,"end":1399.64,"sentiment":"neutral","sentiment_score":0.15093153715133667},{"text":"Because with that, would you want to sort of look and see if there was a cheaper policy out there and do the pre assessment process to be able to review that, or is you just happy with the cover you have and you just want to look at maintaining the life and TPD portion?","start":1400.4349,"end":1411.815,"sentiment":"neutral","sentiment_score":0.12618295049125497},{"text":"Yep.","start":1416.37,"end":1416.87,"sentiment":"neutral","sentiment_score":0.15138421952724457},{"text":"Did you wanna look at comparing that to other products on the market as a replacement, or are you happy just retaining the policy you do have?","start":1418.37,"end":1426.07,"sentiment":"neutral","sentiment_score":0.13411457146759387}],"sentiment":"neutral","sentiment_score":0.1225378725470768,"num_words":90,"start":1390.58,"end":1426.07},{"sentences":[{"text":"You don't want to go through the underwriting process at the moment or do that steps to be able to look at the replacing it with a cheaper option?","start":1430.785,"end":1437.745,"sentiment":"negative","sentiment_score":-0.4300835882795268},{"text":"Or yeah.","start":1437.745,"end":1443.36,"sentiment":"neutral","sentiment_score":-0.05073004029691219},{"text":"Because with that, we would have to do a pre assessment there and get you booked in to be able to go through just a bit more about, like, what you are doing at the moment in terms of your work and then also a little bit more about your health and, like, current health conditions to be able to sort of assess how they might offer, like, a cheaper policy, if that makes sense.","start":1443.36,"end":1462.1051,"sentiment":"neutral","sentiment_score":0.024559936573108038},{"text":"Okay.","start":1464.6599,"end":1465.0599,"sentiment":"neutral","sentiment_score":0.2047479748725891},{"text":"Not a problem.","start":1465.0599,"end":1465.88,"sentiment":"neutral","sentiment_score":0.30126269658406574}],"sentiment":"neutral","sentiment_score":-0.08748502575538375,"num_words":110,"start":1430.785,"end":1465.88},{"sentences":[{"text":"So we can look at doing that one.","start":1466.1799,"end":1467.88,"sentiment":"neutral","sentiment_score":0.2879210039973259},{"text":"And then is there anything else that you wanted to potentially review at the moment there, Alan?","start":1468.26,"end":1471.88,"sentiment":"neutral","sentiment_score":0.1802898215896943},{"text":"Yep.","start":1477.475,"end":1477.7949,"sentiment":"neutral","sentiment_score":0.15931466221809387},{"text":"Not a problem.","start":1477.7949,"end":1478.4349,"sentiment":"neutral","sentiment_score":0.28245798746744794},{"text":"So we can just look at reviewing your insurances, look at that investment for you, and then also just put in some estate planning there to help you sorta get a bit more knowledge on getting your estate planning matters sorted.","start":1478.4349,"end":1489.475,"sentiment":"neutral","sentiment_score":0.3050250647271552}],"sentiment":"neutral","sentiment_score":0.2697287325348173,"num_words":70,"start":1466.1799,"end":1489.475},{"sentences":[{"text":"So so within regards to any other questions you did have there, Alan, was there anything else that you wanted to have a chat about while you've got me there today?","start":1489.475,"end":1497.78,"sentiment":"neutral","sentiment_score":0.1645529214893618},{"text":"Yeah.","start":1506.8151,"end":1507.135,"sentiment":"neutral","sentiment_score":0.016076495870947838},{"text":"And then getting an email for you from the mortgage broker.","start":1507.135,"end":1510.275,"sentiment":"neutral","sentiment_score":0.018757078965956516},{"text":"Yep.","start":1510.335,"end":1510.835,"sentiment":"neutral","sentiment_score":0.04269964247941971},{"text":"What was that?","start":1520.43,"end":1521.0701,"sentiment":"neutral","sentiment_score":-0.14119436095158258}],"sentiment":"neutral","sentiment_score":0.105163010431731,"num_words":47,"start":1489.475,"end":1521.0701},{"sentences":[{"text":"Sorry.","start":1521.0701,"end":1521.5701,"sentiment":"neutral","sentiment_score":-0.21812938153743744},{"text":"Yeah.","start":1533.4851,"end":1533.885,"sentiment":"neutral","sentiment_score":-0.011405598372220991},{"text":"So within regards to self made super funds, you've got to make sure that you're able to service the loans.","start":1533.885,"end":1541.88,"sentiment":"neutral","sentiment_score":0.026583610835950823},{"text":"And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that.","start":1541.88,"end":1551.4801,"sentiment":"neutral","sentiment_score":0.08675611160438636},{"text":"But in saying that, generally, it goes to thirty years on a mortgage or having a mortgage there.","start":1551.4801,"end":1557.115,"sentiment":"neutral","sentiment_score":-0.03415966499596834}],"sentiment":"neutral","sentiment_score":0.03193029715085699,"num_words":69,"start":1521.0701,"end":1557.115},{"sentences":[{"text":"And then with you wanting to retire at the age of 60 through two, if all your money is tied up into a mortgage and you're actually still having to contribute to pay down that loan, you wouldn't be able to access any equity in your superannuation.","start":1557.115,"end":1568.0149,"sentiment":"neutral","sentiment_score":-0.06281365188670919},{"text":"So you'd have to keep working to be able to keep paying that loan, or you'd have to have a property that earns enough income that it's paying down the loan as well, if that makes sense.","start":1568.315,"end":1577.51,"sentiment":"neutral","sentiment_score":0.03653361190211128},{"text":"Yeah.","start":1592.945,"end":1593.2649,"sentiment":"neutral","sentiment_score":0.06588832288980484},{"text":"No.","start":1593.2649,"end":1593.4249,"sentiment":"neutral","sentiment_score":-0.01641024276614189},{"text":"No.","start":1593.4249,"end":1593.6649,"sentiment":"neutral","sentiment_score":-0.04353103786706925}],"sentiment":"neutral","sentiment_score":-0.018328171908512884,"num_words":87,"start":1557.115,"end":1593.6649},{"sentences":[{"text":"No problem at all.","start":1593.6649,"end":1594.3049,"sentiment":"neutral","sentiment_score":-0.020222936756908894},{"text":"And then, obviously, it comes at, like, quite a high setup cost and everything like that, and you do have to manage it yourself.","start":1594.3049,"end":1599.08,"sentiment":"neutral","sentiment_score":-0.16710460527489582},{"text":"So it becomes a bit of an issue there if you sort of are a bit busy or are away and have to do things like audit the fund and things like that and be able to manage things as well.","start":1599.08,"end":1608.62,"sentiment":"neutral","sentiment_score":-0.15783166158490064},{"text":"No problem at all.","start":1612.9349,"end":1613.895,"sentiment":"neutral","sentiment_score":0.15792645886540413},{"text":"Alan, if you did want some more information on that, you can always sort of have a further conversation.","start":1613.895,"end":1617.815,"sentiment":"neutral","sentiment_score":0.060836183593461386}],"sentiment":"neutral","sentiment_score":-0.09537942472683347,"num_words":92,"start":1593.6649,"end":1617.815},{"sentences":[{"text":"Yeah.","start":1617.815,"end":1618.0549,"sentiment":"neutral","sentiment_score":-0.008083075284957886},{"text":"But given you sort of when you do wanna look at sort of trying to retire and things like that as well, it might not sort of be in your your best interest there with how long you have to hold the loan for.","start":1618.0549,"end":1628.6,"sentiment":"neutral","sentiment_score":-0.11900462591173974},{"text":"So I won't take up all your time there this morning.","start":1629.38,"end":1631.46,"sentiment":"neutral","sentiment_score":-0.01142306241672486},{"text":"That should give you enough information to be able to get a start on this, to be able to review those insurances there.","start":1631.46,"end":1636.1799,"sentiment":"neutral","sentiment_score":0.13901423549522524},{"text":"But is there a time that I could book you in there, Alan, to be able to complete that pre assessment there?","start":1636.1799,"end":1641.2051,"sentiment":"neutral","sentiment_score":0.061504499140110885}],"sentiment":"neutral","sentiment_score":-0.00811399905458277,"num_words":101,"start":1617.815,"end":1641.2051},{"sentences":[{"text":"Yep.","start":1643.5851,"end":1643.8251,"sentiment":"neutral","sentiment_score":0.11560603231191637},{"text":"Are you busy sort of most days, or are you free at the moment before you go away?","start":1643.8251,"end":1649.045,"sentiment":"neutral","sentiment_score":0.04432173425124751},{"text":"Yep.","start":1658.8401,"end":1659.16,"sentiment":"neutral","sentiment_score":0.06660909950733185},{"text":"Let me just sort of bring up Yep.","start":1659.16,"end":1665.255,"sentiment":"neutral","sentiment_score":0.03666758141480386},{"text":"So if I could sort of organize a time sometime tomorrow, you'd obviously be sort of in the mornings because we finished a little bit earlier on a Friday, so we probably wouldn't be able to get you in an afternoon.","start":1665.255,"end":1674.375,"sentiment":"neutral","sentiment_score":0.06286317737000745}],"sentiment":"neutral","sentiment_score":0.05580778654826724,"num_words":69,"start":1643.5851,"end":1674.375},{"sentences":[{"text":"But tomorrow morning sometime would probably work out for you.","start":1674.375,"end":1677.66,"sentiment":"neutral","sentiment_score":0.06533476188778878},{"text":"Okay.","start":1685.24,"end":1685.64,"sentiment":"neutral","sentiment_score":0.0840102955698967},{"text":"Not a problem.","start":1685.64,"end":1686.28,"sentiment":"neutral","sentiment_score":0.16984699666500092},{"text":"I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process.","start":1686.28,"end":1691.455,"sentiment":"neutral","sentiment_score":0.13058910097764886},{"text":"Not a problem.","start":1693.9149,"end":1694.635,"sentiment":"neutral","sentiment_score":0.17310709257920584}],"sentiment":"neutral","sentiment_score":0.11924423761665821,"num_words":40,"start":1674.375,"end":1694.635},{"sentences":[{"text":"But do you have any other questions for me before I let you go there today, Alan?","start":1694.635,"end":1697.695,"sentiment":"neutral","sentiment_score":0.0687007619177594},{"text":"Perfect.","start":1701.9299,"end":1702.33,"sentiment":"positive","sentiment_score":0.7500009536743164},{"text":"Well, you enjoy the rest of your day.","start":1702.33,"end":1703.53,"sentiment":"positive","sentiment_score":0.751386858522892},{"text":"Thanks for your time this morning.","start":1703.53,"end":1704.97,"sentiment":"positive","sentiment_score":0.7345271408557892},{"text":"I'll get a start on that for you just to review those things.","start":1704.97,"end":1707.47,"sentiment":"positive","sentiment_score":0.49250027308097255}],"sentiment":"positive","sentiment_score":0.41641500376992757,"num_words":45,"start":1694.635,"end":1707.47},{"sentences":[{"text":"Thanks.","start":1709.77,"end":1710.25,"sentiment":"positive","sentiment_score":0.41949033737182617},{"text":"Bye now.","start":1710.25,"end":1710.99,"sentiment":"neutral","sentiment_score":0.24584540724754333}],"sentiment":"neutral","sentiment_score":0.30372705062230426,"num_words":3,"start":1709.77,"end":1710.99}]}}]},{"alternatives":[{"transcript":"Good. Yeah. I'm sorry. I missed that call. Yeah. Yeah. Go ahead. Yes. Yes. Yes. Yes. Yeah. Sure. Sure. Yeah. Yeah. Yes. Yes. Sure. Yes. Because I worried because if the market is going up now or or the market is all all good because all the prices going up. So what's the effect with my superannuation? And today or at present and the future, what do you reckon for that? Otherwise, that's why I have to discuss it or or because it's not I as far as I know, you cannot change it or you cannot withdraw it or whatever reason is it. Yep. Okay. Yes. Sure. Okay. Okay. So so it's at the moment, you can do anything. Yep. Yes. Yep. Okay. Okay. Yes. I leave it, yeah, to you guys how do you want it, but it's good. Yeah. I know. I understand it. With the lady. You know? And then, normally, they send me all all on on my email how they invested, but this time, it's a little bit shortcut. You know? But I just quit quiet. I said, after six months, I said, can you I have to review again. That's why. Otherwise, I have a new new one to talk to me rather than the other one. We said we should be a little bit shortcut. You know? It's, like, easy. It's fast review. You know? Normally, they give me on my email how to invest it, and I see how the money grow. I don't see any diagram like that, just to be honest to you. Yes. Exactly. Yes. Yes. Yes. Yeah. The yeah. Because, you know, last time when Donald from you know, the last time we used we lost a lot of it's a I don't a 100,000,000,000 for the Australian market. That's why I lost for that, and then I worry I wanted to to change it. So yes. Yeah. You know, the last time, you know, remembered, a tram yeah. Yeah. Yeah. This this guy is a little bit crazy. Yeah. Just to be honest with you. Yeah. Yeah. Because yeah. Yeah. Because I'm I'm blinded. You know? Normally, yeah, they send it through in the email, you know, and then I don't see it. You know? Yeah. No. I don't have anything yet. No. Yeah. My target is 62. That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation. That's my target. You know? At the moment, I like to do in in moderate. You know? It depends the situation. So, you know, every year, they can I can say, oh, we go to higher higher investment or higher rate? Yeah. This is Yes. Yes. Actually, yes. Yep. Yes. Yes. Sure. Yep. I I think at the moment, we go in a defensive. You know? I'm trying to reduce the the risk actually at the moment. Yeah. Yeah. Yeah. Yeah. Because, you know, it's it's more dangerous if you lost more than yeah. I'm sorry. Sorry. What is your question? Yes. Yes. Yes. I don't have any mortgage at the moment. Yes. I'm thinking because it depends the world because I'm casual. You know? But like me, my house is 700,000. So my at the big stock, how much equity that I can use for the next property? Yeah. Yeah. Yeah. Just only I'm curious. You know, exploring this, you know, this. Yes. Yes. Yes. Yes. The same thing. Yeah. The same. Yes. Yes. Maybe this year, maybe I got maybe $100,160, 150. Yes. Yes. That's the standard. Yeah. Now maybe more than 2,000 a month or 2,005 a month. You know? It's too expensive now, actually. Or that sometimes depends. But but roughly now, I see I I spent 2,005 a month with my with the old all expenses, with my support. Yeah. I save maybe 60,000. I already saved 60,000 this year. Yeah. Last time, I put 5,000 a month, actually. But this time, I don't have work much now. I don't save almost two months now. I normally I put 5,000 a month on my savings. It's just only employment standard contract. I'm casual basis. You know? My savings and cash now. I I have 60,000 here. Yeah. Yeah. Yeah. That's my cash at the moment. No. I don't have my that's my wife car. I don't have any. Yeah. That's only the house. Yes. Yes. Yes. Sorry? At the moment, I don't have. Yeah. Yes. Actually, yes. But now it's too hard to get a a trade, and it's too expensive. Yeah. At the moment, no. Because of depends the work because my work is casual. So now it's a bit quiet. I was had a misunderstanding with the company. You know? And then I have no return, so I go another company again. So it's same my company. Yeah. That's how it is. Because casual business is is not sure that you have a work, but sometimes you have work. So that's why I save money, you know. If I don't have work, I have my I have something. You know? Just yeah. As always, casual basis, but I'm looking forward to now to do a take assistant to do a training, you know, because it depends the offshore industry. Because at the moment, Australia have no more big project for offshore. All yeah. Yeah. Yeah. So credit system. Yeah. Yeah. I've I think on May, I have a work for at the moment. I think in in in Queensland for bridgingcom bridging company. I have only ten days work last last last yes. Yesterday. I'm sorry. Yeah. I went home for I have worked for, I think, early April or May. Yeah. We my deployment is in Queensland, I think. Yes. Actually, I wanna cut it. Actually yeah. Yeah. You know, just to save money and come yes. Actually, yeah. Actually, I don't really need it at the moment. Yeah. The income protection, if I can can take away that one, it's okay? Yes. Yes. Yes. I think I wanna read all because now I don't really work because I paid my house. So, yeah, there's only one thing reason why I need that income protection. Yes. Yes. Actually, yes. Yeah. That's why it should be alright, that one, for me. Yeah. Yeah. Yes. I think wait. Six months ago. I have to come back next week, actually. Yeah. Because I do six yeah. Yeah. Yeah. I do six months. Yeah. Six months, actually. I have I like to maintain that one. Yep. The life insurance. Yep. I I'm returning the policy. Yep. Maybe cheaper option should be good. Yes. Yes. Sure. I understand. Yep. Yeah. Yes. I think all good now. Yeah. I understand. Yep. Only the last time, you said the the the loan broker. Yeah. Yeah. Yeah. Or yeah. Yeah. Or at the moment, if I I ship my self managed super fund, can possible for that? No. If I change my superannuation to self managed super fund to buy a property, it's still advisable or just because I'm too old or what do you reckon? Yeah. Yeah. Okay. Yeah. Yes. Because I see one of my friend, You keep working until 65 until you retire. Should be alright. Just only clar clarification. So I'm not really that's only it's good because you tell me what's going on. Yeah. Thank you. Yeah. Yeah. Okay. That was good. Thank you. Yeah. Sure. Yeah. At the moment, until this week, I should be all good until next week. Yeah. Just let me know. Advance. Yeah. Yeah. Yeah. Tomorrow or Monday. So Yeah. Yeah. Sure. Sure. The same time because I have to bring my kids at 08:30 WA time here. Yep. Yeah. All good now. I understand everything. Yep. Thank you. Yeah. You too. Thank you so much. Yep. Bye 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Yeah. I'm sorry. I missed that call. Yeah.\n\nYeah. Go ahead. Yes. Yes. Yes.\n\nYes. Yeah. Sure. Sure. Yeah.\n\nYeah. Yes. Yes. Sure. Yes.\n\nBecause I worried because if the market is going up now or or the market is all all good because all the prices going up. So what's the effect with my superannuation? And today or at present and the future, what do you reckon for that? Otherwise, that's why I have to discuss it or or because it's not I as far as I know, you cannot change it or you cannot withdraw it or whatever reason is it. Yep.\n\nOkay. Yes. Sure. Okay. Okay.\n\nSo so it's at the moment, you can do anything. Yep. Yes. Yep. Okay.\n\nOkay. Yes. I leave it, yeah, to you guys how do you want it, but it's good. Yeah. I know.\n\nI understand it. With the lady. You know? And then, normally, they send me all all on on my email how they invested, but this time, it's a little bit shortcut. You know?\n\nBut I just quit quiet. I said, after six months, I said, can you I have to review again. That's why. Otherwise, I have a new new one to talk to me rather than the other one. We said we should be a little bit shortcut.\n\nYou know? It's, like, easy. It's fast review. You know? Normally, they give me on my email how to invest it, and I see how the money grow.\n\nI don't see any diagram like that, just to be honest to you. Yes. Exactly. Yes. Yes.\n\nYes. Yeah. The yeah. Because, you know, last time when Donald from you know, the last time we used we lost a lot of it's a I don't a 100,000,000,000 for the Australian market. That's why I lost for that, and then I worry I wanted to to change it.\n\nSo yes. Yeah. You know, the last time, you know, remembered, a tram yeah. Yeah. Yeah.\n\nThis this guy is a little bit crazy. Yeah. Just to be honest with you. Yeah. Yeah.\n\nBecause yeah. Yeah. Because I'm I'm blinded. You know? Normally, yeah, they send it through in the email, you know, and then I don't see it.\n\nYou know? Yeah. No. I don't have anything yet. No.\n\nYeah. My target is 62. That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation. That's my target. You know?\n\nAt the moment, I like to do in in moderate. You know? It depends the situation. So, you know, every year, they can I can say, oh, we go to higher higher investment or higher rate? Yeah.\n\nThis is Yes. Yes. Actually, yes. Yep. Yes.\n\nYes. Sure. Yep. I I think at the moment, we go in a defensive. You know?\n\nI'm trying to reduce the the risk actually at the moment. Yeah. Yeah. Yeah. Yeah.\n\nBecause, you know, it's it's more dangerous if you lost more than yeah. I'm sorry. Sorry. What is your question? Yes.\n\nYes. Yes. I don't have any mortgage at the moment. Yes. I'm thinking because it depends the world because I'm casual.\n\nYou know? But like me, my house is 700,000. So my at the big stock, how much equity that I can use for the next property? Yeah. Yeah.\n\nYeah. Just only I'm curious. You know, exploring this, you know, this. Yes. Yes.\n\nYes. Yes. The same thing. Yeah. The same.\n\nYes. Yes. Maybe this year, maybe I got maybe $100,160, 150. Yes. Yes.\n\nThat's the standard. Yeah. Now maybe more than 2,000 a month or 2,005 a month. You know? It's too expensive now, actually.\n\nOr that sometimes depends. But but roughly now, I see I I spent 2,005 a month with my with the old all expenses, with my support. Yeah. I save maybe 60,000. I already saved 60,000 this year.\n\nYeah. Last time, I put 5,000 a month, actually. But this time, I don't have work much now. I don't save almost two months now. I normally I put 5,000 a month on my savings.\n\nIt's just only employment standard contract. I'm casual basis. You know? My savings and cash now. I I have 60,000 here.\n\nYeah. Yeah. Yeah. That's my cash at the moment. No.\n\nI don't have my that's my wife car. I don't have any. Yeah. That's only the house. Yes.\n\nYes. Yes. Sorry? At the moment, I don't have. Yeah.\n\nYes. Actually, yes. But now it's too hard to get a a trade, and it's too expensive. Yeah. At the moment, no.\n\nBecause of depends the work because my work is casual. So now it's a bit quiet. I was had a misunderstanding with the company. You know? And then I have no return, so I go another company again.\n\nSo it's same my company. Yeah. That's how it is. Because casual business is is not sure that you have a work, but sometimes you have work. So that's why I save money, you know.\n\nIf I don't have work, I have my I have something. You know? Just yeah. As always, casual basis, but I'm looking forward to now to do a take assistant to do a training, you know, because it depends the offshore industry. Because at the moment, Australia have no more big project for offshore.\n\nAll yeah. Yeah. Yeah. So credit system. Yeah.\n\nYeah. I've I think on May, I have a work for at the moment. I think in in in Queensland for bridgingcom bridging company. I have only ten days work last last last yes. Yesterday.\n\nI'm sorry. Yeah. I went home for I have worked for, I think, early April or May. Yeah. We my deployment is in Queensland, I think.\n\nYes. Actually, I wanna cut it. Actually yeah. Yeah. You know, just to save money and come yes.\n\nActually, yeah. Actually, I don't really need it at the moment. Yeah. The income protection, if I can can take away that one, it's okay? Yes.\n\nYes. Yes. I think I wanna read all because now I don't really work because I paid my house. So, yeah, there's only one thing reason why I need that income protection. Yes.\n\nYes. Actually, yes. Yeah. That's why it should be alright, that one, for me. Yeah.\n\nYeah. Yes. I think wait. Six months ago. I have to come back next week, actually.\n\nYeah. Because I do six yeah. Yeah. Yeah. I do six months.\n\nYeah. Six months, actually. I have I like to maintain that one. Yep. The life insurance.\n\nYep. I I'm returning the policy. Yep. Maybe cheaper option should be good. Yes.\n\nYes. Sure. I understand. Yep. Yeah.\n\nYes. I think all good now. Yeah. I understand. Yep.\n\nOnly the last time, you said the the the loan broker. Yeah. Yeah. Yeah. Or yeah.\n\nYeah. Or at the moment, if I I ship my self managed super fund, can possible for that? No. If I change my superannuation to self managed super fund to buy a property, it's still advisable or just because I'm too old or what do you reckon? Yeah.\n\nYeah. Okay. Yeah. Yes. Because I see one of my friend, You keep working until 65 until you retire.\n\nShould be alright. Just only clar clarification. So I'm not really that's only it's good because you tell me what's going on. Yeah. Thank you.\n\nYeah. Yeah. Okay. That was good. Thank you.\n\nYeah. Sure. Yeah. At the moment, until this week, I should be all good until next week. Yeah.\n\nJust let me know. Advance. Yeah. Yeah. Yeah.\n\nTomorrow or Monday. So Yeah. Yeah. Sure. Sure.\n\nThe same time because I have to bring my kids at 08:30 WA time here. Yep. Yeah. All good now. I understand everything.\n\nYep. Thank you. Yeah. You too. Thank you so much.\n\nYep. Bye now.","paragraphs":[{"sentences":[{"text":"Good.","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.2536448538303375},{"text":"Yeah.","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.1080578863620758},{"text":"I'm sorry.","start":6.56,"end":7.12,"sentiment":"neutral","sentiment_score":-0.05201658373698592},{"text":"I missed that call.","start":7.12,"end":8.08,"sentiment":"neutral","sentiment_score":-0.15102879330515862},{"text":"Yeah.","start":8.08,"end":8.32,"sentiment":"neutral","sentiment_score":-0.0162226390093565}],"sentiment":"neutral","sentiment_score":-0.04029647105683883,"num_words":9,"start":5.52,"end":8.32},{"sentences":[{"text":"Yeah.","start":8.32,"end":8.82,"sentiment":"neutral","sentiment_score":-0.0016755908727645874},{"text":"Go 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I worried because if the market is going up now or or the market is all all good because all the prices going up.","start":140.4,"end":149.53499,"sentiment":"neutral","sentiment_score":0.012107303440570831},{"text":"So what's the effect with my superannuation?","start":149.53499,"end":152.11499,"sentiment":"neutral","sentiment_score":0.078020592885358},{"text":"And today or at present and the future, what do you reckon for that?","start":152.89499,"end":158.915,"sentiment":"neutral","sentiment_score":0.03815445436963013},{"text":"Otherwise, that's why I have to discuss it or or because it's not I as far as I know, you cannot change it or you cannot withdraw it or whatever reason is it.","start":158.97499,"end":169.69,"sentiment":"neutral","sentiment_score":-0.1872462903459867},{"text":"Yep.","start":178.725,"end":179.225,"sentiment":"neutral","sentiment_score":0.18068596720695496}],"sentiment":"neutral","sentiment_score":-0.057693156460300085,"num_words":80,"start":140.4,"end":179.225},{"sentences":[{"text":"Okay.","start":271.87,"end":272.37,"sentiment":"neutral","sentiment_score":0.007624998688697815},{"text":"Yes.","start":300.615,"end":300.855,"sentiment":"neutral","sentiment_score":0.1546194851398468},{"text":"Sure.","start":300.855,"end":301.355,"sentiment":"neutral","sentiment_score":0.22817331552505493},{"text":"Okay.","start":301.415,"end":301.895,"sentiment":"neutral","sentiment_score":0.21185028553009033},{"text":"Okay.","start":301.895,"end":302.295,"sentiment":"neutral","sentiment_score":0.21723878383636477}],"sentiment":"neutral","sentiment_score":0.16390137374401093,"num_words":5,"start":271.87,"end":302.295},{"sentences":[{"text":"So so it's at the moment, you can do anything.","start":302.295,"end":305.895,"sentiment":"neutral","sentiment_score":0.2602081120014191},{"text":"Yep.","start":305.895,"end":306.395,"sentiment":"neutral","sentiment_score":0.10780124366283415},{"text":"Yes.","start":317.99002,"end":318.49002,"sentiment":"neutral","sentiment_score":0.20518529415130615},{"text":"Yep.","start":340.74002,"end":341.24002,"sentiment":"neutral","sentiment_score":0.1527201235294342},{"text":"Okay.","start":368.61002,"end":369.09003,"sentiment":"neutral","sentiment_score":0.0943128541111946}],"sentiment":"neutral","sentiment_score":0.2258643311049257,"num_words":14,"start":302.295,"end":369.09003},{"sentences":[{"text":"Okay.","start":369.09003,"end":369.49002,"sentiment":"neutral","sentiment_score":0.12147794663906096},{"text":"Yes.","start":369.49002,"end":369.73,"sentiment":"neutral","sentiment_score":0.20309126377105713},{"text":"I leave it, yeah, to you guys how do you want it, but it's good.","start":369.73,"end":373.57,"sentiment":"positive","sentiment_score":0.3480670630931854},{"text":"Yeah.","start":373.57,"end":373.89,"sentiment":"neutral","sentiment_score":0.1864488273859024},{"text":"I know.","start":373.89,"end":374.21002,"sentiment":"neutral","sentiment_score":0.13512719422578812}],"sentiment":"neutral","sentiment_score":0.3001139186322689,"num_words":20,"start":369.09003,"end":374.21002},{"sentences":[{"text":"I understand it.","start":374.21002,"end":375.225,"sentiment":"neutral","sentiment_score":0.09283996870120366},{"text":"With the lady.","start":394.12,"end":395.08,"sentiment":"neutral","sentiment_score":-0.004382097472747167},{"text":"You know?","start":395.08,"end":395.63998,"sentiment":"neutral","sentiment_score":-0.0012756101787090302},{"text":"And then, normally, they send me all all on on my email how they invested, but this time, it's a little bit shortcut.","start":395.63998,"end":404.815,"sentiment":"neutral","sentiment_score":0.004228304208600489},{"text":"You know?","start":404.875,"end":405.535,"sentiment":"neutral","sentiment_score":-0.021786625497043133}],"sentiment":"neutral","sentiment_score":0.009590913307020497,"num_words":33,"start":374.21002,"end":405.535},{"sentences":[{"text":"But I just quit quiet.","start":405.675,"end":407.375,"sentiment":"neutral","sentiment_score":-0.08619197532534599},{"text":"I said, after six months, I said, can you I have to review again.","start":407.595,"end":412.41498,"sentiment":"neutral","sentiment_score":-0.05144630931317806},{"text":"That's why.","start":412.47498,"end":413.215,"sentiment":"neutral","sentiment_score":-0.05713813751935959},{"text":"Otherwise, I have a new new one to talk to me rather than the other one.","start":413.595,"end":418.76,"sentiment":"neutral","sentiment_score":0.05316151259467006},{"text":"We said we should be a little bit 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diagram like that, just to be honest to you.","start":430.395,"end":434.01498,"sentiment":"neutral","sentiment_score":-0.10484070474138626},{"text":"Yes.","start":440.79498,"end":441.19498,"sentiment":"neutral","sentiment_score":0.04174382984638214},{"text":"Exactly.","start":441.19498,"end":441.69498,"sentiment":"neutral","sentiment_score":0.054631367325782776},{"text":"Yes.","start":441.91498,"end":442.235,"sentiment":"neutral","sentiment_score":0.0710964947938919},{"text":"Yes.","start":442.235,"end":442.555,"sentiment":"neutral","sentiment_score":0.0860937088727951}],"sentiment":"neutral","sentiment_score":-0.06525669181171585,"num_words":17,"start":430.395,"end":442.555},{"sentences":[{"text":"Yes.","start":442.555,"end":443.055,"sentiment":"neutral","sentiment_score":0.08543924242258072},{"text":"Yeah.","start":467.77502,"end":468.095,"sentiment":"neutral","sentiment_score":-0.12262623012065887},{"text":"The yeah.","start":468.095,"end":469.375,"sentiment":"neutral","sentiment_score":-0.15574057400226593},{"text":"Because, you know, last time when Donald from you know, the last time we used we lost a lot of it's a I don't a 100,000,000,000 for the Australian market.","start":469.375,"end":480.46,"sentiment":"neutral","sentiment_score":-0.2797969656685988},{"text":"That's why I lost for that, and then I worry I wanted to to change it.","start":480.46,"end":484.99503,"sentiment":"negative","sentiment_score":-0.3895192798227072}],"sentiment":"neutral","sentiment_score":-0.29949771165847777,"num_words":50,"start":442.555,"end":484.99503},{"sentences":[{"text":"So yes.","start":485.535,"end":486.49503,"sentiment":"neutral","sentiment_score":-0.039267828688025475},{"text":"Yeah.","start":486.49503,"end":486.815,"sentiment":"neutral","sentiment_score":-0.04617626219987869},{"text":"You know, the last time, you know, remembered, a tram yeah.","start":486.815,"end":494.73502,"sentiment":"neutral","sentiment_score":-0.05786336890675805},{"text":"Yeah.","start":494.73502,"end":495.05502,"sentiment":"neutral","sentiment_score":-0.08768238127231598},{"text":"Yeah.","start":495.05502,"end":495.215,"sentiment":"neutral","sentiment_score":-0.10250843316316605}],"sentiment":"neutral","sentiment_score":-0.05946248699910939,"num_words":16,"start":485.535,"end":495.215},{"sentences":[{"text":"This this guy is a little bit crazy.","start":495.215,"end":497.295,"sentiment":"neutral","sentiment_score":-0.30742047168314457},{"text":"Yeah.","start":497.295,"end":497.535,"sentiment":"neutral","sentiment_score":-0.06727822870016098},{"text":"Just to be honest with you.","start":497.535,"end":498.915,"sentiment":"neutral","sentiment_score":-0.04205744589368502},{"text":"Yeah.","start":508.22998,"end":508.72998,"sentiment":"neutral","sentiment_score":0.007573012262582779},{"text":"Yeah.","start":510.87,"end":511.11,"sentiment":"neutral","sentiment_score":-0.03264899551868439}],"sentiment":"neutral","sentiment_score":-0.16494486239903114,"num_words":17,"start":495.215,"end":511.11},{"sentences":[{"text":"Because yeah.","start":511.11,"end":512.23,"sentiment":"neutral","sentiment_score":-0.07475442253053188},{"text":"Yeah.","start":512.23,"end":512.73,"sentiment":"neutral","sentiment_score":-0.06435200572013855},{"text":"Because I'm I'm blinded.","start":513.685,"end":515.065,"sentiment":"neutral","sentiment_score":-0.25744787603616714},{"text":"You know?","start":515.125,"end":515.78503,"sentiment":"neutral","sentiment_score":-0.1788209229707718},{"text":"Normally, yeah, they send it through in the email, you know, and then I don't see 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yet.","start":536.55,"end":537.99,"sentiment":"neutral","sentiment_score":-0.13799174278974533},{"text":"No.","start":537.99,"end":538.23,"sentiment":"neutral","sentiment_score":-0.06151512265205383}],"sentiment":"neutral","sentiment_score":-0.10893041417002677,"num_words":10,"start":520.72504,"end":538.23},{"sentences":[{"text":"Yeah.","start":538.23,"end":538.73,"sentiment":"neutral","sentiment_score":-0.01658761315047741},{"text":"My target is 62.","start":558.1,"end":559.94,"sentiment":"neutral","sentiment_score":-0.04433360043913126},{"text":"That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation.","start":559.94,"end":568.645,"sentiment":"neutral","sentiment_score":-0.034530724782277554},{"text":"That's my target.","start":568.945,"end":569.92505,"sentiment":"neutral","sentiment_score":0.03567910194396973},{"text":"You know?","start":570.065,"end":570.885,"sentiment":"neutral","sentiment_score":0.006841106340289117}],"sentiment":"neutral","sentiment_score":-0.024452771025675314,"num_words":27,"start":538.23,"end":570.885},{"sentences":[{"text":"At the moment, I like to do in in moderate.","start":601.295,"end":603.875,"sentiment":"neutral","sentiment_score":0.12978630922734738},{"text":"You know?","start":603.935,"end":604.335,"sentiment":"neutral","sentiment_score":0.08663556352257729},{"text":"It depends the situation.","start":604.335,"end":605.75995,"sentiment":"neutral","sentiment_score":0.11899919249117374},{"text":"So, you know, every year, they can I can say, oh, we go to higher higher investment or higher rate?","start":605.75995,"end":613.39996,"sentiment":"neutral","sentiment_score":0.055536439083516596},{"text":"Yeah.","start":613.39996,"end":613.89996,"sentiment":"neutral","sentiment_score":0.09774135053157806}],"sentiment":"neutral","sentiment_score":0.08528651679689819,"num_words":37,"start":601.295,"end":613.89996},{"sentences":[{"text":"This is Yes.","start":615.0,"end":620.24506,"sentiment":"neutral","sentiment_score":0.08250486105680466},{"text":"Yes.","start":620.24506,"end":620.565,"sentiment":"neutral","sentiment_score":0.19344021379947665},{"text":"Actually, 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know?","start":681.515,"end":682.095,"sentiment":"neutral","sentiment_score":-0.011655211448669434}],"sentiment":"neutral","sentiment_score":0.03809208399616182,"num_words":16,"start":647.405,"end":682.095},{"sentences":[{"text":"I'm trying to reduce the the risk actually at the moment.","start":703.73505,"end":707.91,"sentiment":"neutral","sentiment_score":0.011690507896921852},{"text":"Yeah.","start":707.91,"end":708.41,"sentiment":"neutral","sentiment_score":0.09214279055595398},{"text":"Yeah.","start":718.70996,"end":718.87,"sentiment":"neutral","sentiment_score":-0.051175542175769806},{"text":"Yeah.","start":718.87,"end":719.19,"sentiment":"neutral","sentiment_score":-0.08065463602542877},{"text":"Yeah.","start":719.19,"end":719.43,"sentiment":"neutral","sentiment_score":-0.15081787109375}],"sentiment":"neutral","sentiment_score":-0.004127311458190282,"num_words":15,"start":703.73505,"end":719.43},{"sentences":[{"text":"Because, you know, it's it's more dangerous if you lost more than yeah.","start":719.43,"end":725.305,"sentiment":"negative","sentiment_score":-0.4490622923924373},{"text":"I'm sorry.","start":737.37,"end":737.93,"sentiment":"neutral","sentiment_score":-0.14672180265188217},{"text":"Sorry.","start":737.93,"end":738.17,"sentiment":"neutral","sentiment_score":-0.1260535567998886},{"text":"What is your question?","start":738.17,"end":739.14996,"sentiment":"neutral","sentiment_score":-0.08636373840272427},{"text":"Yes.","start":748.01,"end":748.32996,"sentiment":"neutral","sentiment_score":0.01288732886314392}],"sentiment":"neutral","sentiment_score":-0.31380355180729,"num_words":21,"start":719.43,"end":748.32996},{"sentences":[{"text":"Yes.","start":748.32996,"end":748.64996,"sentiment":"neutral","sentiment_score":0.040092721581459045},{"text":"Yes.","start":748.64996,"end":749.025,"sentiment":"neutral","sentiment_score":0.07331172376871109},{"text":"I don't have any mortgage at the 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you.","start":1592.0701,"end":1592.73,"sentiment":"positive","sentiment_score":0.3611246943473816}],"sentiment":"neutral","sentiment_score":0.18221332669258117,"num_words":25,"start":1584.95,"end":1592.73},{"sentences":[{"text":"Yeah.","start":1609.7001,"end":1610.02,"sentiment":"neutral","sentiment_score":0.03801415115594864},{"text":"Yeah.","start":1610.02,"end":1610.3401,"sentiment":"neutral","sentiment_score":0.0756206065416336},{"text":"Okay.","start":1610.3401,"end":1610.5801,"sentiment":"neutral","sentiment_score":0.16468337178230286},{"text":"That was good.","start":1610.5801,"end":1611.14,"sentiment":"positive","sentiment_score":0.4151800076166789},{"text":"Thank you.","start":1611.14,"end":1611.88,"sentiment":"positive","sentiment_score":0.5056404173374176}],"sentiment":"neutral","sentiment_score":0.3168923733755946,"num_words":8,"start":1609.7001,"end":1611.88},{"sentences":[{"text":"Yeah.","start":1641.6499,"end":1641.97,"sentiment":"neutral","sentiment_score":0.07719159871339798},{"text":"Sure.","start":1641.97,"end":1642.37,"sentiment":"neutral","sentiment_score":0.10439084470272064},{"text":"Yeah.","start":1642.37,"end":1642.87,"sentiment":"neutral","sentiment_score":0.10235978662967682},{"text":"At the moment, until this week, I should be all good until next week.","start":1649.005,"end":1654.705,"sentiment":"neutral","sentiment_score":0.21900511692677224},{"text":"Yeah.","start":1655.005,"end":1655.4049,"sentiment":"neutral","sentiment_score":0.08439454436302185}],"sentiment":"neutral","sentiment_score":0.1908004672990905,"num_words":18,"start":1641.6499,"end":1655.4049},{"sentences":[{"text":"Just let me know.","start":1655.4049,"end":1656.5449,"sentiment":"neutral","sentiment_score":0.10211632400751114},{"text":"Advance.","start":1656.765,"end":1657.245,"sentiment":"neutral","sentiment_score":0.0985291600227356},{"text":"Yeah.","start":1657.245,"end":1657.565,"sentiment":"neutral","sentiment_score":0.0724029615521431},{"text":"Yeah.","start":1657.565,"end":1658.065,"sentiment":"neutral","sentiment_score":0.07388083636760712},{"text":"Yeah.","start":1659.97,"end":1660.47,"sentiment":"neutral","sentiment_score":0.025992993265390396}],"sentiment":"neutral","sentiment_score":0.0849089059047401,"num_words":8,"start":1655.4049,"end":1660.47},{"sentences":[{"text":"Tomorrow or Monday.","start":1661.41,"end":1663.01,"sentiment":"neutral","sentiment_score":0.025884318475921948},{"text":"So Yeah.","start":1663.01,"end":1678.305,"sentiment":"neutral","sentiment_score":0.047965383157134056},{"text":"Yeah.","start":1678.305,"end":1678.545,"sentiment":"neutral","sentiment_score":0.05823323130607605},{"text":"Sure.","start":1678.545,"end":1678.865,"sentiment":"neutral","sentiment_score":0.06867416203022003},{"text":"Sure.","start":1678.865,"end":1679.365,"sentiment":"neutral","sentiment_score":0.06409148871898651}],"sentiment":"neutral","sentiment_score":0.04557282547466457,"num_words":8,"start":1661.41,"end":1679.365},{"sentences":[{"text":"The same time because I have to bring my kids at 08:30 WA time here.","start":1679.585,"end":1684.805,"sentiment":"neutral","sentiment_score":0.0478642796476682},{"text":"Yep.","start":1692.61,"end":1693.11,"sentiment":"neutral","sentiment_score":0.12000715732574464},{"text":"Yeah.","start":1698.37,"end":1698.77,"sentiment":"neutral","sentiment_score":0.14298617839813232},{"text":"All good now.","start":1698.77,"end":1699.33,"sentiment":"positive","sentiment_score":0.39648448427518207},{"text":"I understand everything.","start":1699.33,"end":1700.53,"sentiment":"neutral","sentiment_score":0.2867064078648885}],"sentiment":"neutral","sentiment_score":0.1317621829069179,"num_words":23,"start":1679.585,"end":1700.53},{"sentences":[{"text":"Yep.","start":1700.53,"end":1700.77,"sentiment":"neutral","sentiment_score":0.2770536541938782},{"text":"Thank you.","start":1700.77,"end":1701.225,"sentiment":"positive","sentiment_score":0.6449993252754211},{"text":"Yeah.","start":1707.705,"end":1707.945,"sentiment":"neutral","sentiment_score":0.2594716250896454},{"text":"You too.","start":1707.945,"end":1708.345,"sentiment":"neutral","sentiment_score":0.3325939178466797},{"text":"Thank you so much.","start":1708.345,"end":1709.145,"sentiment":"positive","sentiment_score":0.6455974578857422}],"sentiment":"positive","sentiment_score":0.5074101597070694,"num_words":10,"start":1700.53,"end":1709.145},{"sentences":[{"text":"Yep.","start":1709.145,"end":1709.645,"sentiment":"neutral","sentiment_score":0.26839539408683777},{"text":"Bye now.","start":1711.385,"end":1712.125,"sentiment":"neutral","sentiment_score":0.15001416951417923}],"sentiment":"neutral","sentiment_score":0.1894745777050654,"num_words":3,"start":1709.145,"end":1712.125}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Alan. It's Kyle. How are you today?\n\nChannel 1: Good. Yeah. I'm sorry. I missed that call. Yeah.\n\nYeah.\n\nChannel 0: No. That's perfectly fine. Apologies for the the voice mail. I was reading an email, and I incorrectly\n\nChannel 1: Go\n\nChannel 0: called\n\nChannel 1: ahead.\n\nChannel 0: you. No. There's apologies for that one. But had you scheduled in there to just go over a quick sort of discussion around your sort of portfolio and and risk this morning?\n\nChannel 1: Yes. Yes. Yes. Yes.\n\nChannel 0: Yep. Now with that one, I know you did have your end review the end of sort of last year, and then obviously since then, it's obviously taken quite a bit of a dive in terms of your superannuation balance. Now there are a few different reasons why that occurred. Now I'm not too sure if you remember your portfolio, but you did have a a managed fund called Bennelong. Now with that Bennelong fund, you did have quite an allocation to that, and they had an underlying investment that did get done to not reporting correctly.\n\nSo as a result of that, they were put on trading hold. Bennelong had to reevaluate those, and as a result, the fund itself took a bit of a significant hit. And then, obviously, the war in Iran has continued to sort of cause the markets as a whole to take a bit of a a decline, if that makes sense.\n\nChannel 1: Yeah. Sure. Sure. Yeah. Yeah.\n\nChannel 0: Yep. Now as part of the review of the Bennelong from the investment committee at Oakview, I believe they issued in between that time a record of advice to move out of Bennelong to a BetaShares Australian two hundred, which is an alternative to that Ben Long investment because it's an Australian equity. It's an index as opposed to, like, the actively managed fund, so it did remove that manager risk that you did hold. And then with that, it's moved into an index that is cheaper and then also historically has been a little bit less volatile and a little better in regards to returns over the recent years, if that makes sense.\n\nChannel 1: Yes. Yes. Sure.\n\nChannel 0: Yep. And then with all that in mind there, Alan, is there any specific questions in regards to your performance? I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about?\n\nChannel 1: Yes. Because I worried because if the market is going up now or or the market is all all good because all the prices going up. So what's the effect with my superannuation? And today or at present and the future, what do you reckon for that? Otherwise, that's why I have to discuss it or or because it's not I as far as I know, you cannot change it or you cannot withdraw it or whatever reason is it.\n\nChannel 0: So within regards to, like, your superannuation, obviously, you can't access it till the age of 60 with conditions of release.\n\nChannel 1: Yep.\n\nChannel 0: But then with that, you also can make changes to it as well and sort of adjust your risk profile now. Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole. Now generally, in regards to that, much like with the tariff talk that Trump in the start of the year causes, like, significant volatility in the market and significant drops. And then from that, it typically recovers quite quickly in terms of, like, the the value being recovered as long as it sort of the it has stopped with in regards to the war and things sort of get back to normal. So in saying that there might sort of be sort of, you know, three to six months there where it still doesn't do too much in terms of, like, return or bouncing back until that issue is resolved with the the war and, like, obviously, oil prices going up and things like that.\n\nBut you still have a number of years. You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that. I know you wanted to potentially retire in sort of your early sixty's. So you can look at reducing risks and sort of lowering the amount of allocation to growth assets. But with that, additionally, as well, you're sort of selling at a low and then sort of potentially buying some assets that are up a little bit if they're going a bit more defensive with that.\n\nAnd then making sort of change at the moment with it being so volatile, there is a chance that while you're sort of making those adjustments that the market does swing, you potentially miss out on some growth. But, historically,\n\nChannel 1: Okay.\n\nChannel 0: yeah, the long term and sort of that, you know, seven five to seven year or seven to ten year mark, Obviously, there's still conviction in the investments doing well over that period of time and recovering. It's more so the fact that the issue that you did have with that down along has already been replaced with that Australian 200, and you did crystallize some of those losses. But with the market dropping, you've obviously gone to a separate asset that will hopefully perform better than what Bennelong was recovering, if that makes sense.\n\nChannel 1: Yes. Sure. Okay. Okay. So so it's at the moment, you can do anything.\n\nYep.\n\nChannel 0: No. We you could review the portfolio. You do have quite a high allocation to the BetaShares Australian two hundred. It makes up quite a significant portion of your portfolio. You could look at\n\nChannel 1: Yes.\n\nChannel 0: doing a portfolio update to basically look at adjusting it a little bit to improve your diversification a little bit and sort of making a bit of a spread. And then with the losses that were with Ben Long, it might offset some of that change as well. We can also run through a risk profile and see if you're still in line with a high growth investor, which is what you're currently invested in\n\nChannel 1: Yep.\n\nChannel 0: just to see if that might need adjusting as well. Obviously, with that, you know, the high growth is aiming for those higher returns over a longer period of time. And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have.\n\nChannel 1: Okay. Okay. Yes. I leave it, yeah, to you guys how do you want it, but it's good. Yeah.\n\nI know. I understand it.\n\nChannel 0: Yeah. Okay. Because I'll run through a risk profile, and then we can have a bit of a discussion around that as well. So they've probably answered these questions before, but I'll run through them with you there, Alan. So within regards to investing, have you made direct share investments previously?\n\nBecause I don't think we've spoken before.\n\nChannel 1: With the lady. You know? And then, normally, they send me all all on on my email how they invested, but this time, it's a little bit shortcut. You know? But I just quit quiet.\n\nI said, after six months, I said, can you I have to review again. That's why. Otherwise, I have a new new one to talk to me rather than the other one. We said we should be a little bit shortcut. You know?\n\nIt's, like, easy. It's fast review. You know? Normally, they give me on my email how to invest it, and I see how the money grow. I don't see any diagram like that, just to be honest to you.\n\nChannel 0: In terms of, like, the review you had here for your annual review, you didn't get your reports or anything like that?\n\nChannel 1: Yes. Exactly. Yes. Yes. Yes.\n\nChannel 0: Yeah. Because obviously, it's been quite a bad year in terms of, like, growth because it went up and then it went down with the tariff talk, and then it went up again, and it's gone down with what did occur. I can send you out your 12 monthly reports for you to be able to have a look at and sort of see. It's down about 4.3% from that. But at the start of the year with the tariff talk, it was actually down 8% and then obviously recovered and took another dip.\n\nNow\n\nChannel 1: Yeah. The yeah. Because, you know, last time when Donald from you know, the last time we used we lost a lot of it's a I don't a 100,000,000,000 for the Australian market. That's why I lost for that, and then I worry I wanted to to change it. So yes.\n\nYeah. You know, the last time, you know, remembered, a tram\n\nChannel 0: Yeah. And the tariff talk that caused the significant drop in the markets?\n\nChannel 1: yeah. Yeah. Yeah. This this guy is a little bit crazy. Yeah.\n\nJust to be honest with you.\n\nChannel 0: Yeah. So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation\n\nChannel 1: Yeah.\n\nChannel 0: balance. So you can have a look at that and see why it's\n\nChannel 1: Yeah.\n\nChannel 0: down\n\nChannel 1: Because\n\nChannel 0: to four point\n\nChannel 1: yeah.\n\nChannel 0: 3%.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because I'm I'm blinded. You know? Normally, yeah, they send it through in the email, you know, and then I don't see it. You know? Yeah.\n\nChannel 0: Yeah. I'll email you a couple of reports there so you can have a review of those, Alan. And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us?\n\nChannel 1: No. I don't have anything yet. No. Yeah.\n\nChannel 0: Yeah. No. That's fine. And then within regards to because obviously, you know, in sort of five years, you could potentially access some of your money if you wanted to. Now if that were the case, sort of, are you looking to try and access your money at 60?\n\nDo you feel like you'll still be working to, like, 65? Or\n\nChannel 1: My target is 62. That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation. That's my target. You know?\n\nChannel 0: Trying to get to that by the age of 62. Yeah. No. That's fine. And then as far as inflation's concerned with the cost of living going up, being able to take on or have to take on a bit more risk in regards to your investments to try and get a bit of a higher return as opposed to, like, sitting in cash and those sort of things, I would you consider yourself to be a bit of a a risk taker in terms of, like, getting that risk reward?\n\nWould you say it's a bit moderate or a bit higher in terms of taking on a bit risk to try and get a bit more growth out of your superannuation?\n\nChannel 1: At the moment, I like to do in in moderate. You know? It depends the situation. So, you know, every year, they can I can say, oh, we go to higher higher investment or higher rate? Yeah.\n\nChannel 0: Yes. So,\n\nChannel 1: This\n\nChannel 0: generally,\n\nChannel 1: is\n\nChannel 0: you you wanna take on a bit more risk, like, earlier to sort of\n\nChannel 1: Yes.\n\nChannel 0: you can\n\nChannel 1: Yes.\n\nChannel 0: better\n\nChannel 1: Actually,\n\nChannel 0: these tips.\n\nChannel 1: yes.\n\nChannel 0: Yeah. And then as you get a bit older, you look at reducing it just to preserve the balance a little bit more and hopefully have a little less volatility. Because,\n\nChannel 1: Yep.\n\nChannel 0: obviously, in a high growth investment, you're still aiming to get sort of those higher figures out of your superannuation, that high growth to try and bolster that up while you have the time to recover the dips like what has occurred with this war and the tariff talk with Trump as opposed to doing that right up until you were looking to access your sort of money, if that makes sense.\n\nChannel 1: Yes. Yes. Sure. Yep.\n\nChannel 0: Yep. And then with the the decrease or if your portfolio was to decrease to about, like, 20% just due to what's going on with the war and everything in the market, how would that sort of make you feel? Would you sort of hold and wait that out to see how that might improve like you did with the tariffs, or you would sort of wanna see like, shift to more secure assets, like, with the defensive and going down a risk profile, or do you feel like you would wanna hold it out a bit more, like, with those tariffs to see how it does recover?\n\nChannel 1: I I think at the moment, we go in a defensive. You know?\n\nChannel 0: You'd want to be more defensive? Yep. Yep. And then with the regards to return and what you're trying to get out of your superannuation, what would you sort of be happy with if you were getting as a return out of your superannuation? Like, if you were getting six to 8%, you'd be okay with that reducing your risk, or you're trying to aim for still, like, 8% and above?\n\nChannel 1: I'm trying to reduce the the risk actually at the moment. Yeah.\n\nChannel 0: Yeah. And then with that, like, obviously, over the longer term returns can drop with that as well. So if you were reducing risk and getting sort of returns between 68%, would you be happy with that? Or\n\nChannel 1: Yeah. Yeah. Yeah. Because, you know, it's it's more dangerous if you lost more than yeah.\n\nChannel 0: yep. No. That's fine. And then with what's happened and the drop, obviously, it's made you a little bit concerned in regards to your investment? With\n\nChannel 1: I'm sorry. Sorry. What is your question?\n\nChannel 0: the war that is occurring and everything like that, does that make you a bit cautious in regards to your investments wanting to reduce those down at the moment?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yep. No. That's perfectly fine. So within regards to borrowed money, this is the last question there. You do obviously have money invested into your property through a mortgage today or, like, previously.\n\nNow would you ever put borrowed money into anything else, Alan?\n\nChannel 1: I don't have any mortgage at the moment. Yes.\n\nChannel 0: Yeah. Would you ever borrow money again to invest in anything else, like another property if circumstances were different, like, in given the risk? Or\n\nChannel 1: I'm thinking because it depends the world because I'm casual. You know? But like me, my house is 700,000. So my at the big stock, how much equity that I can use for the next property?\n\nChannel 0: Yep. If you want, we can put you in touch with a mortgage broker, and then you can have that\n\nChannel 1: Yeah.\n\nChannel 0: conversation.\n\nChannel 1: Yeah. Yeah. Just only I'm curious. You know, exploring this, you know, this.\n\nChannel 0: Yep. Not a problem at all. So that does bring you out there to a growth investor there, Alan, which is around that eighty twenty split as opposed to, like, the ninety ten sort of split you're in currently. With, obviously, with reducing risk, you potentially reduce the returns that you can get over the longer term, but you do experience a little less volatility. So with that, we can look at doing an update to reduce your risk down to a growth risk profile if that's what you'd like.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Not a problem. And I will just go through and just confirm your details too and make sure everything's up to date with that. So currently, at the moment there, you've got the two dependents and you've got your your spouse still.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And you're still working as a cook there, Alan?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. And with that, at the moment, has your employment changed much at all in terms of, like, your duties apart from, like, what you're doing? Do you do more office work? Or\n\nChannel 1: The same thing. Yeah. The same.\n\nChannel 0: yep. Not a problem at all. And with that, are you still doing four weeks on, four weeks off?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. And do you know roughly what your income is at the moment?\n\nChannel 1: Maybe this year, maybe I got maybe $100,160, 150.\n\nChannel 0: Yep. And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on that?\n\nChannel 1: Yes. Yes. That's the standard. Yeah.\n\nChannel 0: Not a problem. And do you know roughly at the moment what you're spending versus what you're saving in terms of, like, your your income once it's sort of broken down? I had here you were sort of spending around $7.50 a week and then saving around a thousand dollars. Does that sound about right?\n\nChannel 1: Now maybe more than 2,000 a month or 2,005 a month. You know? It's too expensive now, actually. Or that sometimes depends. But but roughly now, I see I I spent 2,005 a month with my with the old all expenses, with my support.\n\nYeah.\n\nChannel 0: Yep. And then within regards to your savings, do you know roughly how much you're putting into savings at the moment?\n\nChannel 1: I save maybe 60,000. I already saved 60,000 this year. Yeah.\n\nChannel 0: Yep. And in general, do you know how much like, just as a a monthly amount you're putting into that savings account?\n\nChannel 1: Last time, I put 5,000 a month, actually. But this time, I don't have work much now. I don't save almost two months now. I normally I put 5,000 a month on my savings.\n\nChannel 0: Okay. Yep. No problem. And I will go in there. So with your employment to do you want any sort of enterprise bargaining agreement, or is it just an standard employment contract?\n\nChannel 1: It's just only employment standard contract. I'm casual basis. You know?\n\nChannel 0: Yeah. Not a problem. And then as far as your assets there, so you've got the house around 700,000. And how much do you have sitting in your savings at the moment, Alan?\n\nChannel 1: My savings and cash now. I I have 60,000 here.\n\nChannel 0: Okay. So that's your total amount that you've got sitting in savings?\n\nChannel 1: Yeah. Yeah. Yeah. That's my cash at the moment.\n\nChannel 0: Yep. And do you have a car at the moment?\n\nChannel 1: No. I don't have my that's my wife car.\n\nChannel 0: Okay. Not a problem. And as far as any other assets or liabilities on, do you have anything else that you own currently that we're not sort of aware of?\n\nChannel 1: I don't have any. Yeah. That's only the house.\n\nChannel 0: Yeah. Not a problem at all. And then as far as everything else, sir, in regards to your health, everything as far as you've been good, your high blood pressure is under control, and you're maintaining your cholesterol and everything?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yep. Not a problem. And as far as the will, have you managed to get a will sorted since we last spoke, Alan?\n\nChannel 1: Sorry?\n\nChannel 0: A will? Like a will for your estate planning matters?\n\nChannel 1: At the moment, I don't have. Yeah.\n\nChannel 0: No. That that's fine. So in regards to your goals and what you do wanna achieve, now I know your main goal is to pay off the house there and then just sort of do a few renovations. Is the moment you're just looking to maybe do some renovations now that you've paid off the house?\n\nChannel 1: Yes. Actually, yes. But now it's too hard to get a a trade, and it's too expensive.\n\nChannel 0: Yeah. No. I completely understand that. And then as far as anything else, like, obviously, potentially reviewing an investment property, Is there anything else that you're looking to do in the short term?\n\nChannel 1: Yeah. At the moment, no. Because of depends the work because my work is casual. So now it's a bit quiet. I was had a misunderstanding with the company.\n\nYou know? And then I have no return, so I go another company again. So it's same my company. Yeah. That's how it is.\n\nBecause casual business is is not sure that you have a work, but sometimes you have work. So that's why I save money, you know. If I don't have work, I have my I have something.\n\nChannel 0: Your\n\nChannel 1: You\n\nChannel 0: savings. Yeah.\n\nChannel 1: know? Just yeah.\n\nChannel 0: And are you trying is that a goal to be, like, off a casual basis and potentially, like, some sort of permanent part time or full time?\n\nChannel 1: As always, casual basis, but I'm looking forward to now to do a take assistant to do a training, you know, because it depends the offshore industry. Because at the moment, Australia have no more big project for offshore.\n\nChannel 0: Yeah.\n\nChannel 1: All\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: So you're looking to do some form of training or\n\nChannel 1: Yeah.\n\nChannel 0: just get into some sort of different\n\nChannel 1: Yeah.\n\nChannel 0: industry\n\nChannel 1: So\n\nChannel 0: for\n\nChannel 1: credit\n\nChannel 0: cooking?\n\nChannel 1: system. Yeah.\n\nChannel 0: Yep. Not a problem at all. And in regards to anything else, is there anything else that you're working towards at the moment, Alan?\n\nChannel 1: Yeah. I've I think on May, I have a work for at the moment. I think in in in Queensland for bridgingcom bridging company.\n\nChannel 0: Okay. Yep. No\n\nChannel 1: I\n\nChannel 0: problem.\n\nChannel 1: have only ten days work last last last yes. Yesterday. I'm sorry.\n\nChannel 0: Okay. And then you got sent home?\n\nChannel 1: Yeah. I went home for I have worked for, I think, early April or May. Yeah. We my deployment is in Queensland, I think.\n\nChannel 0: Yep. Not a problem. And in regards to your insurances, Alan, you do, like, have life total permanent disability and income protection. Now the cost of those is getting quite high in terms of what is coming out, which is affecting your balance as well. Is that something you potentially want to review in regards to that as well?\n\nChannel 1: Yes. Actually, I wanna cut it. Actually yeah. Yeah. You know, just to save money\n\nChannel 0: Yep. So you\n\nChannel 1: and\n\nChannel 0: potentially\n\nChannel 1: come\n\nChannel 0: want to look at a reduction in what you have?\n\nChannel 1: yes. Actually, yeah. Actually, I don't really need it at the moment. Yeah. The income protection, if I can can take away that one, it's okay?\n\nChannel 0: So you can obviously get rid of the income protection, but that would mean in the event that anything did happen to you, Alan, then while you sort of are, like, working, earning an income and things like that, you'd have to sort of rely on any sort of government assistant programs or rely on sort of having workers' compensation if the injury was to occur at work versus, like, outside of work, if that makes sense.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yep. And then within saying that, is that something you still wanna look at getting rid of? Or\n\nChannel 1: I think I wanna read all because now I don't really work because I paid my house. So, yeah, there's only one thing reason why I need that income protection.\n\nChannel 0: Was to pay off the house. And now that you paid off the house, you're not really too fussed on sort of if you end up working in that industry or finding like a different job because your debt's paid off?\n\nChannel 1: Yes. Yes. Actually, yes.\n\nChannel 0: Yep. And then with regards to life and TPD\n\nChannel 1: Yeah.\n\nChannel 0: portions because you are covered for the 650,000 of life and total permanent disability, is that something you wanted to look at potentially reducing or?\n\nChannel 1: That's why it should be alright, that one, for me. Yeah.\n\nChannel 0: Just leave it as is? You don't want to look at touching that one?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yep. And then in regards to your your health there, Alan, because we can obviously review and return to market. Obviously, the insurance costs do get more expensive as they get older. So we could look at potentially, like, going back to market, but with that, we'd have to do, like, a pre assessment and going through that process to just see how your current health is and then also, like, what your occupational duties and things like that are. And if as a casual basis, if they're willing to offer cover if you're not doing too much work at the moment.\n\nSo within regards to your high blood pressure and cholesterol, when's the last time you sort of got that checked up, and was the doctor happy with everything?\n\nChannel 1: I think wait. Six months ago. I have to come back next week, actually. Yeah.\n\nChannel 0: Next\n\nChannel 1: Because\n\nChannel 0: week, you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: do\n\nChannel 0: a checkout?\n\nChannel 1: six yeah. Yeah. Yeah. I do six months. Yeah.\n\nSix months, actually.\n\nChannel 0: Yep. Because with that, would you want to sort of look and see if there was a cheaper policy out there and do the pre assessment process to be able to review that, or is you just happy with the cover you have and you just want to look at maintaining the life and TPD portion?\n\nChannel 1: I have I like to maintain that one. Yep.\n\nChannel 0: Yep.\n\nChannel 1: The life insurance.\n\nChannel 0: Did you wanna look at comparing that to other products on the market as a replacement,\n\nChannel 1: Yep.\n\nChannel 0: or are you happy just retaining the policy you do have?\n\nChannel 1: I I'm returning the policy. Yep.\n\nChannel 0: You don't want to go through the underwriting process at the moment or do that steps to be able to look at the replacing it with a cheaper option? Or\n\nChannel 1: Maybe cheaper option should be good.\n\nChannel 0: yeah. Because with that, we would have to do a pre assessment there and get you booked in to be able to go through just a bit more about, like, what you are doing at the moment in terms of your work and then also a little bit more about your health and, like, current health conditions to be able to sort of assess how they might offer, like, a cheaper policy, if that makes sense.\n\nChannel 1: Yes. Yes. Sure. I understand. Yep.\n\nChannel 0: Okay. Not a problem. So we can look at doing that one. And then is there anything else that you wanted to potentially review at the moment there, Alan?\n\nChannel 1: Yeah. Yes. I think all good now. Yeah. I understand.\n\nYep.\n\nChannel 0: Yep. Not a problem. So we can just look at reviewing your insurances, look at that investment for you, and then also just put in some estate planning there to help you sorta get a bit more knowledge on getting your estate planning matters sorted. So so within regards to any other questions you did have there, Alan, was there anything else that you wanted to have a chat about while you've got me there today?\n\nChannel 1: Only the last time, you said the the the loan broker. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And\n\nChannel 1: Or\n\nChannel 0: then getting an email\n\nChannel 1: yeah.\n\nChannel 0: for you from the mortgage broker.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Or at the moment, if I I ship my self managed super fund, can possible for that? No.\n\nChannel 0: What was that? Sorry.\n\nChannel 1: If I change my superannuation to self managed super fund to buy a property, it's still advisable or just because I'm too old or what do you reckon?\n\nChannel 0: Yeah. So within regards to self made super funds, you've got to make sure that you're able to service the loans. And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that. But in saying that, generally, it goes to thirty years on a mortgage or having a mortgage there. And then with you wanting to retire at the age of 60 through two, if all your money is tied up into a mortgage and you're actually still having to contribute to pay down that loan, you wouldn't be able to access any equity in your superannuation.\n\nSo you'd have to keep working to be able to keep paying that loan, or you'd have to have a property that earns enough income that it's paying down the loan as well, if that makes sense.\n\nChannel 1: Yeah. Yeah. Okay. Yeah. Yes.\n\nBecause I see one of my friend, You keep working until 65 until you retire. Should be alright. Just only clar clarification. So I'm not really that's only it's good because you tell me what's going on. Yeah.\n\nThank you.\n\nChannel 0: Yeah. No. No. No problem at all. And then, obviously, it comes at, like, quite a high setup cost and everything like that, and you do have to manage it yourself.\n\nSo it becomes a bit of an issue there if you sort of are a bit busy or are away and have to do things like audit the fund and things like that and be able to manage things as well.\n\nChannel 1: Yeah. Yeah. Okay. That was good. Thank you.\n\nChannel 0: No problem at all. Alan, if you did want some more information on that, you can always sort of have a further conversation. Yeah. But given you sort of when you do wanna look at sort of trying to retire and things like that as well, it might not sort of be in your your best interest there with how long you have to hold the loan for. So I won't take up all your time there this morning.\n\nThat should give you enough information to be able to get a start on this, to be able to review those insurances there. But is there a time that I could book you in there, Alan, to be able to complete that pre assessment there?\n\nChannel 1: Yeah. Sure. Yeah.\n\nChannel 0: Yep. Are you busy sort of most days, or are you free at the moment before you go away?\n\nChannel 1: At the moment, until this week, I should be all good until next week. Yeah. Just let me know. Advance. Yeah.\n\nYeah.\n\nChannel 0: Yep. Let me just sort\n\nChannel 1: Yeah.\n\nChannel 0: of bring up\n\nChannel 1: Tomorrow or Monday. So\n\nChannel 0: Yep. So if I could sort of organize a time sometime tomorrow, you'd obviously be sort of in the mornings because we finished a little bit earlier on a Friday, so we probably wouldn't be able to get you in an afternoon. But tomorrow morning sometime would probably work out for you.\n\nChannel 1: Yeah. Yeah. Sure. Sure. The same time because I have to bring my kids at 08:30 WA time here.\n\nChannel 0: Okay. Not a problem. I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem. But do you have any other questions for me before I let you go there today, Alan?\n\nChannel 1: Yeah. All good now. I understand everything. Yep. Thank you.\n\nChannel 0: Perfect. Well, you enjoy the rest of your day. Thanks for your time this morning. I'll get a start on that for you just to review those things.\n\nChannel 1: Yeah. You too. Thank you so much. Yep.\n\nChannel 0: Thanks. Bye now.\n\nChannel 1: Bye now.","paragraphs":[{"sentences":[{"text":"Good morning, Alan.","start":2.6399999,"end":3.36,"sentiment":"positive","sentiment_score":0.3928692638874054},{"text":"It's Kyle.","start":3.36,"end":4.0,"sentiment":"positive","sentiment_score":0.33676768839359283},{"text":"How are you today?","start":4.0,"end":4.8199997,"sentiment":"positive","sentiment_score":0.3864523768424988}],"sentiment":"positive","sentiment_score":0.37755029731326634,"channel":0,"num_words":9,"start":2.6399999,"end":4.8199997},{"sentences":[{"text":"Good.","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.2536448538303375},{"text":"Yeah.","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.1080578863620758},{"text":"I'm sorry.","start":6.56,"end":7.12,"sentiment":"neutral","sentiment_score":-0.05201658373698592},{"text":"I missed that call.","start":7.12,"end":8.08,"sentiment":"neutral","sentiment_score":-0.15102879330515862},{"text":"Yeah.","start":8.08,"end":8.32,"sentiment":"neutral","sentiment_score":-0.0162226390093565}],"sentiment":"neutral","sentiment_score":-0.04029647105683883,"channel":1,"num_words":9,"start":5.52,"end":8.32},{"sentences":[{"text":"Yeah.","start":8.32,"end":8.82,"sentiment":"neutral","sentiment_score":-0.0016755908727645874}],"sentiment":"neutral","sentiment_score":-0.0016755908727645874,"channel":1,"num_words":1,"start":8.32,"end":8.82},{"sentences":[{"text":"No.","start":9.28,"end":9.5199995,"sentiment":"neutral","sentiment_score":-0.03157731145620346},{"text":"That's perfectly fine.","start":9.5199995,"end":10.48,"sentiment":"neutral","sentiment_score":0.05280594527721405},{"text":"Apologies for the the voice mail.","start":10.48,"end":12.08,"sentiment":"neutral","sentiment_score":-0.20473172515630722},{"text":"I was reading an email, and I incorrectly","start":12.08,"end":14.105,"sentiment":"neutral","sentiment_score":-0.1460138140246272}],"sentiment":"neutral","sentiment_score":-0.12609224104219013,"channel":0,"num_words":18,"start":9.28,"end":14.105},{"sentences":[{"text":"Go","start":14.16,"end":14.4,"sentiment":"neutral","sentiment_score":-0.11642952263355257}],"sentiment":"neutral","sentiment_score":-0.11642952263355257,"channel":1,"num_words":1,"start":14.16,"end":14.4},{"sentences":[{"text":"called","start":14.245,"end":14.605,"sentiment":"neutral","sentiment_score":-0.10380969196558}],"sentiment":"neutral","sentiment_score":-0.10380969196558,"channel":0,"num_words":1,"start":14.245,"end":14.605},{"sentences":[{"text":"ahead.","start":14.4,"end":14.9,"sentiment":"neutral","sentiment_score":-0.14084365963935852}],"sentiment":"neutral","sentiment_score":-0.14084365963935852,"channel":1,"num_words":1,"start":14.4,"end":14.9},{"sentences":[{"text":"you.","start":14.605,"end":14.965,"sentiment":"neutral","sentiment_score":-0.058953531086444855},{"text":"No.","start":14.965,"end":15.285,"sentiment":"neutral","sentiment_score":-0.10717064142227171},{"text":"There's apologies for that one.","start":15.285,"end":16.825,"sentiment":"neutral","sentiment_score":-0.19468954503536223},{"text":"But had you scheduled in there to just go over a quick sort of discussion around your sort of portfolio and and risk this morning?","start":18.005,"end":25.544998,"sentiment":"neutral","sentiment_score":-0.0021650394052267073}],"sentiment":"neutral","sentiment_score":-0.03730305883800611,"channel":0,"num_words":32,"start":14.605,"end":25.544998},{"sentences":[{"text":"Yes.","start":25.824999,"end":26.324999,"sentiment":"neutral","sentiment_score":0.034187398850917816},{"text":"Yes.","start":26.465,"end":26.785,"sentiment":"neutral","sentiment_score":0.047714363783597946},{"text":"Yes.","start":26.785,"end":27.105,"sentiment":"neutral","sentiment_score":0.06442664563655853},{"text":"Yes.","start":27.105,"end":27.605,"sentiment":"neutral","sentiment_score":0.08342576026916504}],"sentiment":"neutral","sentiment_score":0.057438542135059834,"channel":1,"num_words":4,"start":25.824999,"end":27.605},{"sentences":[{"text":"Yep.","start":30.039999,"end":30.539999,"sentiment":"neutral","sentiment_score":0.09980277717113496},{"text":"Now with that one, I know you did have your end review the end of sort of last year, and then obviously since then, it's obviously taken quite a bit of a dive in terms of your superannuation balance.","start":31.32,"end":42.355,"sentiment":"neutral","sentiment_score":-0.05735679859152207},{"text":"Now there are a few different reasons why that occurred.","start":42.355,"end":47.395,"sentiment":"neutral","sentiment_score":-0.12896775528788568},{"text":"Now I'm not too sure if you remember your portfolio, but you did have a a managed fund called Bennelong.","start":47.395,"end":51.975,"sentiment":"neutral","sentiment_score":-0.06679726475849748},{"text":"Now with that Bennelong fund, you did have quite an allocation to that, and they had an underlying investment that did get done to not reporting correctly.","start":52.355,"end":60.94,"sentiment":"neutral","sentiment_score":-0.11781039682251436}],"sentiment":"neutral","sentiment_score":-0.08189294773355588,"channel":0,"num_words":97,"start":30.039999,"end":60.94},{"sentences":[{"text":"So as a result of that, they were put on trading hold.","start":60.94,"end":63.42,"sentiment":"neutral","sentiment_score":-0.21929103756944338},{"text":"Bennelong had to reevaluate those, and as a result, the fund itself took a bit of a significant hit.","start":63.42,"end":68.455,"sentiment":"negative","sentiment_score":-0.33766064047813416},{"text":"And then, obviously, the war in Iran has continued to sort of cause the markets as a whole to take a bit of a a decline, if that makes sense.","start":68.915,"end":76.375,"sentiment":"negative","sentiment_score":-0.34176086684068047}],"sentiment":"neutral","sentiment_score":-0.3163913217235784,"channel":0,"num_words":61,"start":60.94,"end":76.375},{"sentences":[{"text":"Yeah.","start":77.085,"end":77.405,"sentiment":"neutral","sentiment_score":-0.025523964315652847},{"text":"Sure.","start":77.405,"end":77.805,"sentiment":"neutral","sentiment_score":0.01754230260848999},{"text":"Sure.","start":77.805,"end":78.125,"sentiment":"neutral","sentiment_score":0.029603103175759315},{"text":"Yeah.","start":78.125,"end":78.365,"sentiment":"neutral","sentiment_score":0.04002981260418892},{"text":"Yeah.","start":78.365,"end":78.865,"sentiment":"neutral","sentiment_score":0.07089583575725555}],"sentiment":"neutral","sentiment_score":0.026509417966008187,"channel":1,"num_words":5,"start":77.085,"end":78.865},{"sentences":[{"text":"Yep.","start":78.595,"end":79.095,"sentiment":"neutral","sentiment_score":0.0901106894016266},{"text":"Now as part of the review of the Bennelong from the investment committee at Oakview, I believe they issued in between that time a record of advice to move out of Bennelong to a BetaShares Australian two hundred, which is an alternative to that Ben Long investment because it's an Australian equity.","start":79.715004,"end":97.445,"sentiment":"neutral","sentiment_score":0.06819746972849736},{"text":"It's an index as opposed to, like, the actively managed fund, so it did remove that manager risk that you did hold.","start":97.585,"end":103.765,"sentiment":"neutral","sentiment_score":0.1131613975898786},{"text":"And then with that, it's moved into an index that is cheaper and then also historically has been a little bit less volatile and a little better in regards to returns over the recent years, if that makes sense.","start":104.385,"end":118.23,"sentiment":"neutral","sentiment_score":0.16596874365439782}],"sentiment":"neutral","sentiment_score":0.11051500758580994,"channel":0,"num_words":114,"start":78.595,"end":118.23},{"sentences":[{"text":"Yes.","start":118.97,"end":119.13,"sentiment":"neutral","sentiment_score":0.09682220965623856},{"text":"Yes.","start":119.13,"end":119.45,"sentiment":"neutral","sentiment_score":0.10082226246595384},{"text":"Sure.","start":119.45,"end":119.95,"sentiment":"neutral","sentiment_score":0.1110989898443222}],"sentiment":"neutral","sentiment_score":0.10291448732217152,"channel":1,"num_words":3,"start":118.97,"end":119.95},{"sentences":[{"text":"Yep.","start":120.53,"end":121.03,"sentiment":"neutral","sentiment_score":0.045802392065525055},{"text":"And then with all that in mind there, Alan, is there any specific questions in regards to your performance?","start":121.955,"end":129.235,"sentiment":"neutral","sentiment_score":0.058581620258720296},{"text":"I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about?","start":129.235,"end":138.8,"sentiment":"neutral","sentiment_score":0.02238588250027253}],"sentiment":"neutral","sentiment_score":0.03443902702528542,"channel":0,"num_words":59,"start":120.53,"end":138.8},{"sentences":[{"text":"Yes.","start":140.0,"end":140.4,"sentiment":"neutral","sentiment_score":0.11700489372015},{"text":"Because I worried because if the market is going up now or or the market is all all good because all the prices going up.","start":140.4,"end":149.53499,"sentiment":"neutral","sentiment_score":0.012107303440570831},{"text":"So what's the effect with my superannuation?","start":149.53499,"end":152.11499,"sentiment":"neutral","sentiment_score":0.078020592885358},{"text":"And today or at present and the future, what do you reckon for that?","start":152.89499,"end":158.915,"sentiment":"neutral","sentiment_score":0.03815445436963013},{"text":"Otherwise, that's why I have to discuss it or or because it's not I as far as I know, you cannot change it or you cannot withdraw it or whatever reason is it.","start":158.97499,"end":169.69,"sentiment":"neutral","sentiment_score":-0.1872462903459867}],"sentiment":"neutral","sentiment_score":-0.05848916987888515,"channel":1,"num_words":80,"start":140.0,"end":169.69},{"sentences":[{"text":"So within regards to, like, your superannuation, obviously, you can't access it till the age of 60 with conditions of release.","start":171.37001,"end":178.055,"sentiment":"neutral","sentiment_score":-0.041381473697367166}],"sentiment":"neutral","sentiment_score":-0.041381473697367166,"channel":0,"num_words":21,"start":171.37001,"end":178.055},{"sentences":[{"text":"Yep.","start":178.725,"end":179.225,"sentiment":"neutral","sentiment_score":0.18068596720695496}],"sentiment":"neutral","sentiment_score":0.18068596720695496,"channel":1,"num_words":1,"start":178.725,"end":179.225},{"sentences":[{"text":"But then with that, you also can make changes to it as well and sort of adjust your risk profile now.","start":179.555,"end":184.855,"sentiment":"neutral","sentiment_score":0.1810013541863078},{"text":"Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole.","start":185.075,"end":195.48999,"sentiment":"neutral","sentiment_score":-0.1616485926412767},{"text":"Now generally, in regards to that, much like with the tariff talk that Trump in the start of the year causes, like, significant volatility in the market and significant drops.","start":195.48999,"end":204.62999,"sentiment":"neutral","sentiment_score":-0.2672077941397826},{"text":"And then from that, it typically recovers quite quickly in terms of, like, the the value being recovered as long as it sort of the it has stopped with in regards to the war and things sort of get back to normal.","start":204.76999,"end":217.97499,"sentiment":"neutral","sentiment_score":-0.06103361468939554},{"text":"So in saying that there might sort of be sort of, you know, three to six months there where it still doesn't do too much in terms of, like, return or bouncing back until that issue is resolved with the the war and, like, obviously, oil prices going up and things like that.","start":218.19499,"end":231.69,"sentiment":"neutral","sentiment_score":-0.11713373344743026}],"sentiment":"neutral","sentiment_score":-0.10168255055270627,"channel":0,"num_words":177,"start":179.555,"end":231.69},{"sentences":[{"text":"But you still have a number of years.","start":232.87,"end":235.475,"sentiment":"neutral","sentiment_score":-0.047728387638926506},{"text":"You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that.","start":235.475,"end":240.835,"sentiment":"neutral","sentiment_score":0.00974413126707077},{"text":"I know you wanted to potentially retire in sort of your early sixty's.","start":240.835,"end":244.05501,"sentiment":"neutral","sentiment_score":0.0734538109256671},{"text":"So you can look at reducing risks and sort of lowering the amount of allocation to growth assets.","start":244.51501,"end":249.6,"sentiment":"neutral","sentiment_score":0.12864376294116178},{"text":"But with that, additionally, as well, you're sort of selling at a low and then sort of potentially buying some assets that are up a little bit if they're going a bit more defensive with that.","start":249.6,"end":260.64,"sentiment":"neutral","sentiment_score":-0.1695721180488666}],"sentiment":"neutral","sentiment_score":-0.029723327942192554,"channel":0,"num_words":100,"start":232.87,"end":260.64},{"sentences":[{"text":"And then making sort of change at the moment with it being so volatile, there is a chance that while you're sort of making those adjustments that the market does swing, you potentially miss out on some growth.","start":260.64,"end":270.545,"sentiment":"neutral","sentiment_score":-0.3092944818107705},{"text":"But, historically,","start":271.565,"end":272.305,"sentiment":"neutral","sentiment_score":-0.056061483919620514}],"sentiment":"neutral","sentiment_score":-0.29663283191621304,"channel":0,"num_words":40,"start":260.64,"end":272.305},{"sentences":[{"text":"Okay.","start":271.87,"end":272.37,"sentiment":"neutral","sentiment_score":0.007624998688697815}],"sentiment":"neutral","sentiment_score":0.007624998688697815,"channel":1,"num_words":1,"start":271.87,"end":272.37},{"sentences":[{"text":"yeah, the long term and sort of that, you know, seven five to seven year or seven to ten year mark, Obviously, there's still conviction in the investments doing well over that period of time and recovering.","start":272.845,"end":283.58,"sentiment":"neutral","sentiment_score":0.1893323745477844},{"text":"It's more so the fact that the issue that you did have with that down along has already been replaced with that Australian 200, and you did crystallize some of those losses.","start":284.44,"end":292.44498,"sentiment":"neutral","sentiment_score":-0.14801811007782817},{"text":"But with the market dropping, you've obviously gone to a separate asset that will hopefully perform better than what Bennelong was recovering, if that makes sense.","start":292.44498,"end":299.985,"sentiment":"neutral","sentiment_score":-0.0668703463788216}],"sentiment":"neutral","sentiment_score":0.005579887683454313,"channel":0,"num_words":95,"start":272.845,"end":299.985},{"sentences":[{"text":"Yes.","start":300.615,"end":300.855,"sentiment":"neutral","sentiment_score":0.1546194851398468},{"text":"Sure.","start":300.855,"end":301.355,"sentiment":"neutral","sentiment_score":0.22817331552505493},{"text":"Okay.","start":301.415,"end":301.895,"sentiment":"neutral","sentiment_score":0.21185028553009033},{"text":"Okay.","start":301.895,"end":302.295,"sentiment":"neutral","sentiment_score":0.21723878383636477},{"text":"So so it's at the moment, you can do anything.","start":302.295,"end":305.895,"sentiment":"neutral","sentiment_score":0.2602081120014191}],"sentiment":"neutral","sentiment_score":0.24385449928896769,"channel":1,"num_words":14,"start":300.615,"end":305.895},{"sentences":[{"text":"Yep.","start":305.895,"end":306.395,"sentiment":"neutral","sentiment_score":0.10780124366283415}],"sentiment":"neutral","sentiment_score":0.10780124366283415,"channel":1,"num_words":1,"start":305.895,"end":306.395},{"sentences":[{"text":"No.","start":307.26,"end":307.42,"sentiment":"neutral","sentiment_score":-0.015056762844324112},{"text":"We you could review the portfolio.","start":307.42,"end":309.52,"sentiment":"neutral","sentiment_score":0.05638115728894869},{"text":"You do have quite a high allocation to the BetaShares Australian two hundred.","start":309.74,"end":314.54,"sentiment":"neutral","sentiment_score":0.24581465354332557},{"text":"It makes up quite a significant portion of your portfolio.","start":314.54,"end":316.96,"sentiment":"neutral","sentiment_score":0.29510881304740905},{"text":"You could look at","start":317.405,"end":318.045,"sentiment":"neutral","sentiment_score":0.19146059453487396}],"sentiment":"neutral","sentiment_score":0.21281621134018197,"channel":0,"num_words":34,"start":307.26,"end":318.045},{"sentences":[{"text":"Yes.","start":317.99002,"end":318.49002,"sentiment":"neutral","sentiment_score":0.20518529415130615}],"sentiment":"neutral","sentiment_score":0.20518529415130615,"channel":1,"num_words":1,"start":317.99002,"end":318.49002},{"sentences":[{"text":"doing a portfolio update to basically look at adjusting it a little bit to improve your diversification a little bit and sort of making a bit of a spread.","start":318.045,"end":327.58502,"sentiment":"neutral","sentiment_score":0.27460508665134165},{"text":"And then with the losses that were with Ben Long, it might offset some of that change as well.","start":327.885,"end":332.385,"sentiment":"neutral","sentiment_score":0.11970621739563189},{"text":"We can also run through a risk profile and see if you're still in line with a high growth investor, which is what you're currently invested in","start":332.97,"end":340.19,"sentiment":"neutral","sentiment_score":0.17338450970473113}],"sentiment":"neutral","sentiment_score":0.19892463207244873,"channel":0,"num_words":75,"start":318.045,"end":340.19},{"sentences":[{"text":"Yep.","start":340.74002,"end":341.24002,"sentiment":"neutral","sentiment_score":0.1527201235294342}],"sentiment":"neutral","sentiment_score":0.1527201235294342,"channel":1,"num_words":1,"start":340.74002,"end":341.24002},{"sentences":[{"text":"just to see if that might need adjusting as well.","start":341.28998,"end":344.43,"sentiment":"neutral","sentiment_score":0.07668790221214294},{"text":"Obviously, with that, you know, the high growth is aiming for those higher returns over a longer period of time.","start":344.72998,"end":349.42502,"sentiment":"neutral","sentiment_score":0.3239741031080484},{"text":"And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have.","start":349.42502,"end":367.15,"sentiment":"neutral","sentiment_score":-0.0698463455008875}],"sentiment":"neutral","sentiment_score":0.02357116899220273,"channel":0,"num_words":100,"start":341.28998,"end":367.15},{"sentences":[{"text":"Okay.","start":368.61002,"end":369.09003,"sentiment":"neutral","sentiment_score":0.0943128541111946},{"text":"Okay.","start":369.09003,"end":369.49002,"sentiment":"neutral","sentiment_score":0.12147794663906096},{"text":"Yes.","start":369.49002,"end":369.73,"sentiment":"neutral","sentiment_score":0.20309126377105713},{"text":"I leave it, yeah, to you guys how do you want it, but it's good.","start":369.73,"end":373.57,"sentiment":"positive","sentiment_score":0.3480670630931854},{"text":"Yeah.","start":373.57,"end":373.89,"sentiment":"neutral","sentiment_score":0.1864488273859024}],"sentiment":"neutral","sentiment_score":0.30664930727921036,"channel":1,"num_words":19,"start":368.61002,"end":373.89},{"sentences":[{"text":"I know.","start":373.89,"end":374.21002,"sentiment":"neutral","sentiment_score":0.13512719422578812},{"text":"I understand it.","start":374.21002,"end":375.225,"sentiment":"neutral","sentiment_score":0.09283996870120366}],"sentiment":"neutral","sentiment_score":0.10975485891103745,"channel":1,"num_words":5,"start":373.89,"end":375.225},{"sentences":[{"text":"Yeah.","start":375.705,"end":375.865,"sentiment":"neutral","sentiment_score":0.07694840431213379},{"text":"Okay.","start":375.865,"end":376.185,"sentiment":"neutral","sentiment_score":0.07457783818244934},{"text":"Because I'll run through a risk profile, and then we can have a bit of a discussion around that as well.","start":376.185,"end":381.085,"sentiment":"neutral","sentiment_score":0.0890902378374622},{"text":"So they've probably answered these questions before, but I'll run through them with you there, Alan.","start":382.185,"end":386.39,"sentiment":"neutral","sentiment_score":0.0958802504464984},{"text":"So within regards to investing, have you made direct share investments previously?","start":386.45,"end":389.73,"sentiment":"neutral","sentiment_score":0.030932127653310697}],"sentiment":"neutral","sentiment_score":0.07701354462872534,"channel":0,"num_words":51,"start":375.705,"end":389.73},{"sentences":[{"text":"Because I don't think we've spoken before.","start":389.73,"end":391.51,"sentiment":"neutral","sentiment_score":-0.017568083480000496}],"sentiment":"neutral","sentiment_score":-0.017568083480000496,"channel":0,"num_words":7,"start":389.73,"end":391.51},{"sentences":[{"text":"With the lady.","start":394.12,"end":395.08,"sentiment":"neutral","sentiment_score":-0.004382097472747167},{"text":"You know?","start":395.08,"end":395.63998,"sentiment":"neutral","sentiment_score":-0.0012756101787090302},{"text":"And then, normally, they send me all all on on my email how they invested, but this time, it's a little bit shortcut.","start":395.63998,"end":404.815,"sentiment":"neutral","sentiment_score":0.004228304208600489},{"text":"You know?","start":404.875,"end":405.535,"sentiment":"neutral","sentiment_score":-0.021786625497043133},{"text":"But I just quit quiet.","start":405.675,"end":407.375,"sentiment":"neutral","sentiment_score":-0.08619197532534599}],"sentiment":"neutral","sentiment_score":-0.011227989817104702,"channel":1,"num_words":35,"start":394.12,"end":407.375},{"sentences":[{"text":"I said, after six months, I said, can you I have to review again.","start":407.595,"end":412.41498,"sentiment":"neutral","sentiment_score":-0.05144630931317806},{"text":"That's why.","start":412.47498,"end":413.215,"sentiment":"neutral","sentiment_score":-0.05713813751935959},{"text":"Otherwise, I have a new new one to talk to me rather than the other one.","start":413.595,"end":418.76,"sentiment":"neutral","sentiment_score":0.05316151259467006},{"text":"We said we should be a little bit shortcut.","start":418.76,"end":420.62,"sentiment":"neutral","sentiment_score":0.14801476895809174},{"text":"You know?","start":421.08,"end":421.32,"sentiment":"neutral","sentiment_score":0.12529072538018227}],"sentiment":"neutral","sentiment_score":0.03718078994127207,"channel":1,"num_words":43,"start":407.595,"end":421.32},{"sentences":[{"text":"It's, like, easy.","start":421.32,"end":422.38,"sentiment":"positive","sentiment_score":0.3536684513092041},{"text":"It's fast review.","start":422.44,"end":424.36,"sentiment":"neutral","sentiment_score":0.29334386189778644},{"text":"You know?","start":424.36,"end":424.76,"sentiment":"neutral","sentiment_score":0.07086769491434097},{"text":"Normally, they give me on my email how to invest it, and I see how the money grow.","start":424.76,"end":430.3,"sentiment":"neutral","sentiment_score":0.06757974831594361},{"text":"I don't see any diagram like that, just to be honest to you.","start":430.395,"end":434.01498,"sentiment":"neutral","sentiment_score":-0.10484070474138626}],"sentiment":"neutral","sentiment_score":0.04964817019227224,"channel":1,"num_words":39,"start":421.32,"end":434.01498},{"sentences":[{"text":"In terms of, like, the review you had here for your annual review, you didn't get your reports or anything like that?","start":435.07,"end":440.29,"sentiment":"neutral","sentiment_score":-0.029004745778035034}],"sentiment":"neutral","sentiment_score":-0.029004745778035034,"channel":0,"num_words":22,"start":435.07,"end":440.29},{"sentences":[{"text":"Yes.","start":440.79498,"end":441.19498,"sentiment":"neutral","sentiment_score":0.04174382984638214},{"text":"Exactly.","start":441.19498,"end":441.69498,"sentiment":"neutral","sentiment_score":0.054631367325782776},{"text":"Yes.","start":441.91498,"end":442.235,"sentiment":"neutral","sentiment_score":0.0710964947938919},{"text":"Yes.","start":442.235,"end":442.555,"sentiment":"neutral","sentiment_score":0.0860937088727951},{"text":"Yes.","start":442.555,"end":443.055,"sentiment":"neutral","sentiment_score":0.08543924242258072}],"sentiment":"neutral","sentiment_score":0.06780092865228653,"channel":1,"num_words":5,"start":440.79498,"end":443.055},{"sentences":[{"text":"Yeah.","start":443.71,"end":444.19,"sentiment":"neutral","sentiment_score":0.02039699070155621},{"text":"Because obviously, it's been quite a bad year in terms of, like, growth because it went up and then it went down with the tariff talk, and then it went up again, and it's gone down with what did occur.","start":444.19,"end":453.155,"sentiment":"neutral","sentiment_score":-0.27983375657349824},{"text":"I can send you out your 12 monthly reports for you to be able to have a look at and sort of see.","start":453.615,"end":457.775,"sentiment":"neutral","sentiment_score":0.08349644384630349},{"text":"It's down about 4.3% from that.","start":457.775,"end":461.1,"sentiment":"neutral","sentiment_score":-0.3205956866343816},{"text":"But at the start of the year with the tariff talk, it was actually down 8% and then obviously recovered and took another dip.","start":461.5,"end":467.04,"sentiment":"neutral","sentiment_score":-0.28664614260196686}],"sentiment":"neutral","sentiment_score":-0.1920810277236903,"channel":0,"num_words":94,"start":443.71,"end":467.04},{"sentences":[{"text":"Now","start":467.5,"end":468.0,"sentiment":"neutral","sentiment_score":-0.15026703476905823}],"sentiment":"neutral","sentiment_score":-0.15026703476905823,"channel":0,"num_words":1,"start":467.5,"end":468.0},{"sentences":[{"text":"Yeah.","start":467.77502,"end":468.095,"sentiment":"neutral","sentiment_score":-0.12262623012065887},{"text":"The yeah.","start":468.095,"end":469.375,"sentiment":"neutral","sentiment_score":-0.15574057400226593},{"text":"Because, you know, last time when Donald from you know, the last time we used we lost a lot of it's a I don't a 100,000,000,000 for the Australian market.","start":469.375,"end":480.46,"sentiment":"neutral","sentiment_score":-0.2797969656685988},{"text":"That's why I lost for that, and then I worry I wanted to to change it.","start":480.46,"end":484.99503,"sentiment":"negative","sentiment_score":-0.3895192798227072},{"text":"So yes.","start":485.535,"end":486.49503,"sentiment":"neutral","sentiment_score":-0.039267828688025475}],"sentiment":"neutral","sentiment_score":-0.2968404016220102,"channel":1,"num_words":51,"start":467.77502,"end":486.49503},{"sentences":[{"text":"Yeah.","start":486.49503,"end":486.815,"sentiment":"neutral","sentiment_score":-0.04617626219987869},{"text":"You know, the last time, you know, remembered, a tram","start":486.815,"end":489.935,"sentiment":"neutral","sentiment_score":-0.05103465095162392}],"sentiment":"neutral","sentiment_score":-0.05059297924691981,"channel":1,"num_words":11,"start":486.49503,"end":489.935},{"sentences":[{"text":"Yeah.","start":490.49,"end":490.81,"sentiment":"neutral","sentiment_score":-0.07129179686307907},{"text":"And the tariff talk that caused the significant drop in the 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point","start":511.22498,"end":511.78497,"sentiment":"neutral","sentiment_score":-0.08704949170351028}],"sentiment":"neutral","sentiment_score":-0.08704949170351028,"channel":0,"num_words":3,"start":511.22498,"end":511.78497},{"sentences":[{"text":"yeah.","start":511.75,"end":512.23,"sentiment":"neutral","sentiment_score":-0.09019704163074492}],"sentiment":"neutral","sentiment_score":-0.09019704163074492,"channel":1,"num_words":1,"start":511.75,"end":512.23},{"sentences":[{"text":"3%.","start":511.78497,"end":512.52496,"sentiment":"neutral","sentiment_score":-0.08013340830802917}],"sentiment":"neutral","sentiment_score":-0.08013340830802917,"channel":0,"num_words":1,"start":511.78497,"end":512.52496},{"sentences":[{"text":"Yeah.","start":512.23,"end":512.73,"sentiment":"neutral","sentiment_score":-0.06435200572013855}],"sentiment":"neutral","sentiment_score":-0.06435200572013855,"channel":1,"num_words":1,"start":512.23,"end":512.73},{"sentences":[{"text":"Yeah.","start":512.61,"end":513.11,"sentiment":"neutral","sentiment_score":-0.08928372710943222}],"sentiment":"neutral","sentiment_score":-0.08928372710943222,"channel":0,"num_words":1,"start":512.61,"end":513.11},{"sentences":[{"text":"Because I'm I'm blinded.","start":513.685,"end":515.065,"sentiment":"neutral","sentiment_score":-0.25744787603616714},{"text":"You know?","start":515.125,"end":515.78503,"sentiment":"neutral","sentiment_score":-0.1788209229707718},{"text":"Normally, yeah, they send it through in the email, you know, and then I don't see it.","start":516.72504,"end":520.72504,"sentiment":"neutral","sentiment_score":-0.17776911311289845},{"text":"You know?","start":520.72504,"end":521.28503,"sentiment":"neutral","sentiment_score":-0.08998633176088333},{"text":"Yeah.","start":521.28503,"end":521.78503,"sentiment":"neutral","sentiment_score":-0.03238631784915924}],"sentiment":"neutral","sentiment_score":-0.17776412516832352,"channel":1,"num_words":26,"start":513.685,"end":521.78503},{"sentences":[{"text":"Yeah.","start":521.73,"end":522.05,"sentiment":"neutral","sentiment_score":-0.00144239142537117},{"text":"I'll email you a couple of reports there so you can have a review of those, Alan.","start":522.05,"end":525.99,"sentiment":"neutral","sentiment_score":0.07951915001167971},{"text":"And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us?","start":526.985,"end":534.605,"sentiment":"neutral","sentiment_score":0.015170973092317581}],"sentiment":"neutral","sentiment_score":0.04022459269956101,"channel":0,"num_words":43,"start":521.73,"end":534.605},{"sentences":[{"text":"No.","start":536.31,"end":536.55,"sentiment":"neutral","sentiment_score":-0.1254713237285614},{"text":"I don't have anything yet.","start":536.55,"end":537.99,"sentiment":"neutral","sentiment_score":-0.13799174278974533},{"text":"No.","start":537.99,"end":538.23,"sentiment":"neutral","sentiment_score":-0.06151512265205383},{"text":"Yeah.","start":538.23,"end":538.73,"sentiment":"neutral","sentiment_score":-0.01658761315047741}],"sentiment":"neutral","sentiment_score":-0.11169159668497741,"channel":1,"num_words":8,"start":536.31,"end":538.73},{"sentences":[{"text":"Yeah.","start":538.6,"end":538.84,"sentiment":"neutral","sentiment_score":-0.009632838889956474},{"text":"No.","start":538.84,"end":538.92,"sentiment":"neutral","sentiment_score":-0.03006620705127716},{"text":"That's fine.","start":538.92,"end":539.82,"sentiment":"neutral","sentiment_score":0.0619973111897707},{"text":"And then within regards to because obviously, you know, in sort of five years, you could potentially access some of your money if you wanted to.","start":539.96,"end":546.92,"sentiment":"neutral","sentiment_score":-0.002526941207739023},{"text":"Now if that were the case, sort of, are you looking to try and access your money at 60?","start":546.92,"end":552.945,"sentiment":"neutral","sentiment_score":-0.01443804378964399}],"sentiment":"neutral","sentiment_score":-0.0052189332033906665,"channel":0,"num_words":49,"start":538.6,"end":552.945},{"sentences":[{"text":"Do you feel like you'll still be working to, like, 65?","start":553.105,"end":555.825,"sentiment":"neutral","sentiment_score":-0.04586091028018431},{"text":"Or","start":555.825,"end":556.325,"sentiment":"neutral","sentiment_score":-0.01229550689458847}],"sentiment":"neutral","sentiment_score":-0.04306379333138466,"channel":0,"num_words":12,"start":553.105,"end":556.325},{"sentences":[{"text":"My target is 62.","start":558.1,"end":559.94,"sentiment":"neutral","sentiment_score":-0.04433360043913126},{"text":"That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation.","start":559.94,"end":568.645,"sentiment":"neutral","sentiment_score":-0.034530724782277554},{"text":"That's my target.","start":568.945,"end":569.92505,"sentiment":"neutral","sentiment_score":0.03567910194396973},{"text":"You know?","start":570.065,"end":570.885,"sentiment":"neutral","sentiment_score":0.006841106340289117}],"sentiment":"neutral","sentiment_score":-0.02475527709779831,"channel":1,"num_words":26,"start":558.1,"end":570.885},{"sentences":[{"text":"Trying to get to that by the age of 62.","start":571.04004,"end":572.96,"sentiment":"neutral","sentiment_score":0.007218796573579311},{"text":"Yeah.","start":572.96,"end":573.2,"sentiment":"neutral","sentiment_score":0.12695999443531036},{"text":"No.","start":573.2,"end":573.36005,"sentiment":"neutral","sentiment_score":-0.12620678544044495},{"text":"That's fine.","start":573.36005,"end":574.10004,"sentiment":"neutral","sentiment_score":0.12628428265452385},{"text":"And then as far as inflation's concerned with the cost of living going up, being able to take on or have to take on a bit more risk in regards to your investments to try and get a bit of a higher return as opposed to, like, sitting in cash and those sort of things, I would you consider yourself to be a bit of a a risk taker in terms of, like, getting that risk reward?","start":574.96,"end":593.23,"sentiment":"neutral","sentiment_score":0.08395599672425684}],"sentiment":"neutral","sentiment_score":0.07461671964623608,"channel":0,"num_words":91,"start":571.04004,"end":593.23},{"sentences":[{"text":"Would you say it's a bit moderate or a bit higher in terms of taking on a bit risk to try and get a bit more growth out of your superannuation?","start":593.23,"end":599.33,"sentiment":"neutral","sentiment_score":0.09182885745840688}],"sentiment":"neutral","sentiment_score":0.09182885745840688,"channel":0,"num_words":31,"start":593.23,"end":599.33},{"sentences":[{"text":"At the moment, I like to do in in 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fine.","start":751.785,"end":753.005,"sentiment":"neutral","sentiment_score":0.13487854103247324},{"text":"So within regards to borrowed money, this is the last question there.","start":753.865,"end":757.885,"sentiment":"neutral","sentiment_score":0.026503618496159714},{"text":"You do obviously have money invested into your property through a mortgage today or, like, previously.","start":758.265,"end":765.06,"sentiment":"neutral","sentiment_score":0.028273043921217322}],"sentiment":"neutral","sentiment_score":0.03885385913379265,"channel":0,"num_words":33,"start":751.225,"end":765.06},{"sentences":[{"text":"Now would you ever put borrowed money into anything else, Alan?","start":765.44,"end":769.14,"sentiment":"neutral","sentiment_score":-0.019745077260515907}],"sentiment":"neutral","sentiment_score":-0.019745077260515907,"channel":0,"num_words":11,"start":765.44,"end":769.14},{"sentences":[{"text":"I don't have any mortgage at the 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casual.","start":780.575,"end":784.035,"sentiment":"neutral","sentiment_score":-0.001280924992170185},{"text":"You know?","start":784.095,"end":784.575,"sentiment":"neutral","sentiment_score":-0.007799226790666581},{"text":"But like me, my house is 700,000.","start":784.575,"end":787.555,"sentiment":"neutral","sentiment_score":0.03381884789892605},{"text":"So my at the big stock, how much equity that I can use for the next property?","start":788.25,"end":793.55,"sentiment":"neutral","sentiment_score":0.08790617896353498}],"sentiment":"neutral","sentiment_score":0.047298035393598385,"channel":1,"num_words":36,"start":780.575,"end":793.55},{"sentences":[{"text":"Yep.","start":795.34,"end":795.84,"sentiment":"neutral","sentiment_score":0.15526340901851654},{"text":"If you want, we can put you in touch with a mortgage broker, and then you can have 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moment?","start":886.285,"end":889.02496,"sentiment":"neutral","sentiment_score":0.01329677707205216}],"sentiment":"neutral","sentiment_score":0.018072418581980925,"channel":0,"num_words":13,"start":885.96497,"end":889.02496},{"sentences":[{"text":"Maybe this year, maybe I got maybe $100,160, 150.","start":890.95,"end":895.85,"sentiment":"neutral","sentiment_score":0.023130528214904997}],"sentiment":"neutral","sentiment_score":0.023130528214904997,"channel":1,"num_words":9,"start":890.95,"end":895.85},{"sentences":[{"text":"Yep.","start":896.54,"end":897.04,"sentiment":"neutral","sentiment_score":0.04687538743019104},{"text":"And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on 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what you're saving in terms of, like, your your income once it's sort of broken down?","start":911.075,"end":917.875,"sentiment":"neutral","sentiment_score":0.006887184929967459},{"text":"I had here you were sort of spending around $7.50 a week and then saving around a thousand dollars.","start":917.875,"end":922.39,"sentiment":"neutral","sentiment_score":0.013280828703979128},{"text":"Does that sound about right?","start":922.39,"end":923.69,"sentiment":"neutral","sentiment_score":0.027956171333789824}],"sentiment":"neutral","sentiment_score":0.020077239294451744,"channel":0,"num_words":55,"start":910.03503,"end":923.69},{"sentences":[{"text":"Now maybe more than 2,000 a month or 2,005 a month.","start":925.94,"end":931.085,"sentiment":"neutral","sentiment_score":-0.08891519362276251},{"text":"You know?","start":931.145,"end":931.625,"sentiment":"neutral","sentiment_score":-0.055944569408893585},{"text":"It's too expensive now, actually.","start":931.625,"end":933.48505,"sentiment":"negative","sentiment_score":-0.4108989953994751},{"text":"Or that sometimes depends.","start":934.585,"end":935.885,"sentiment":"neutral","sentiment_score":-0.21647075936198235},{"text":"But but roughly now, I see I I spent 2,005 a month with my with the old all expenses, with my support.","start":936.265,"end":945.35,"sentiment":"neutral","sentiment_score":-0.046521552753719414}],"sentiment":"neutral","sentiment_score":-0.11440473735671151,"channel":1,"num_words":44,"start":925.94,"end":945.35},{"sentences":[{"text":"Yeah.","start":945.49,"end":945.99,"sentiment":"neutral","sentiment_score":0.11327366530895232}],"sentiment":"neutral","sentiment_score":0.11327366530895232,"channel":1,"num_words":1,"start":945.49,"end":945.99},{"sentences":[{"text":"Yep.","start":947.3,"end":947.62,"sentiment":"neutral","sentiment_score":0.13592778146266937},{"text":"And then within regards to your savings, do you know roughly how much you're putting into savings at the moment?","start":947.62,"end":954.27997,"sentiment":"neutral","sentiment_score":0.1043222688138485}],"sentiment":"neutral","sentiment_score":0.1058272932256971,"channel":0,"num_words":21,"start":947.3,"end":954.27997},{"sentences":[{"text":"I save maybe 60,000.","start":955.97,"end":960.375,"sentiment":"neutral","sentiment_score":0.17377759143710136},{"text":"I already saved 60,000 this year.","start":960.375,"end":963.015,"sentiment":"positive","sentiment_score":0.36143671969572705},{"text":"Yeah.","start":963.015,"end":963.515,"sentiment":"neutral","sentiment_score":0.1884205937385559}],"sentiment":"neutral","sentiment_score":0.27746829796921124,"channel":1,"num_words":11,"start":955.97,"end":963.515},{"sentences":[{"text":"Yep.","start":966.515,"end":966.91504,"sentiment":"neutral","sentiment_score":0.16317063570022583},{"text":"And in general, do you know how much like, just as a a monthly amount you're putting into that savings account?","start":966.91504,"end":974.07,"sentiment":"neutral","sentiment_score":0.08415834162206877}],"sentiment":"neutral","sentiment_score":0.08774980953471227,"channel":0,"num_words":22,"start":966.515,"end":974.07},{"sentences":[{"text":"Last time, I put 5,000 a month, actually.","start":978.07,"end":981.05005,"sentiment":"neutral","sentiment_score":-0.04752631112933159},{"text":"But this time, I don't have work much now.","start":981.11005,"end":984.805,"sentiment":"neutral","sentiment_score":-0.2725423988368776},{"text":"I don't save almost two months now.","start":984.805,"end":987.52496,"sentiment":"neutral","sentiment_score":-0.27984468213149477},{"text":"I normally I put 5,000 a month on my 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then as far as your assets there, so you've got the house around 700,000.","start":1012.80505,"end":1017.525,"sentiment":"neutral","sentiment_score":0.05482149521509806},{"text":"And how much do you have sitting in your savings at the moment, Alan?","start":1017.525,"end":1020.265,"sentiment":"neutral","sentiment_score":0.059285299320306094}],"sentiment":"neutral","sentiment_score":0.05958920694661863,"channel":0,"num_words":33,"start":1009.125,"end":1020.265},{"sentences":[{"text":"My savings and cash now.","start":1021.395,"end":1023.85,"sentiment":"neutral","sentiment_score":0.0473321370780468},{"text":"I I have 60,000 here.","start":1023.85,"end":1026.19,"sentiment":"neutral","sentiment_score":0.08635809123516083}],"sentiment":"neutral","sentiment_score":0.06684511415660381,"channel":1,"num_words":10,"start":1021.395,"end":1026.19},{"sentences":[{"text":"Okay.","start":1026.86,"end":1027.1799,"sentiment":"neutral","sentiment_score":0.08319091796875},{"text":"So that's your total 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replacement,","start":1418.37,"end":1422.61,"sentiment":"neutral","sentiment_score":0.13133778562769294}],"sentiment":"neutral","sentiment_score":0.13133778562769294,"channel":0,"num_words":16,"start":1418.37,"end":1422.61},{"sentences":[{"text":"Yep.","start":1422.385,"end":1422.885,"sentiment":"neutral","sentiment_score":0.09397028386592864}],"sentiment":"neutral","sentiment_score":0.09397028386592864,"channel":1,"num_words":1,"start":1422.385,"end":1422.885},{"sentences":[{"text":"or are you happy just retaining the policy you do have?","start":1422.61,"end":1426.07,"sentiment":"neutral","sentiment_score":0.13815353268926794}],"sentiment":"neutral","sentiment_score":0.13815353268926794,"channel":0,"num_words":11,"start":1422.61,"end":1426.07},{"sentences":[{"text":"I I'm returning the policy.","start":1427.585,"end":1429.605,"sentiment":"neutral","sentiment_score":0.10070003420114518},{"text":"Yep.","start":1429.6649,"end":1430.1649,"sentiment":"neutral","sentiment_score":0.017819464206695557}],"sentiment":"neutral","sentiment_score":0.08688660586873691,"channel":1,"num_words":6,"start":1427.585,"end":1430.1649},{"sentences":[{"text":"You don't want to go through the underwriting process at the moment or do that steps to be able to look at the replacing it with a cheaper option?","start":1430.785,"end":1437.745,"sentiment":"negative","sentiment_score":-0.4300835882795268},{"text":"Or","start":1437.745,"end":1438.245,"sentiment":"neutral","sentiment_score":-0.07725761830806732}],"sentiment":"negative","sentiment_score":-0.4183227226138115,"channel":0,"num_words":30,"start":1430.785,"end":1438.245},{"sentences":[{"text":"Maybe cheaper option should be 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Alan?","start":1468.26,"end":1471.88,"sentiment":"neutral","sentiment_score":0.1802898215896943}],"sentiment":"neutral","sentiment_score":0.22333900219407574,"channel":0,"num_words":29,"start":1464.6599,"end":1471.88},{"sentences":[{"text":"Yeah.","start":1472.875,"end":1473.355,"sentiment":"neutral","sentiment_score":0.238157257437706},{"text":"Yes.","start":1473.355,"end":1473.835,"sentiment":"positive","sentiment_score":0.3435685336589813},{"text":"I think all good now.","start":1473.835,"end":1474.955,"sentiment":"positive","sentiment_score":0.5390933096408844},{"text":"Yeah.","start":1474.955,"end":1475.115,"sentiment":"neutral","sentiment_score":0.3150125741958618},{"text":"I 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sorted.","start":1478.4349,"end":1489.475,"sentiment":"neutral","sentiment_score":0.3050250647271552},{"text":"So so within regards to any other questions you did have there, Alan, was there anything else that you wanted to have a chat about while you've got me there today?","start":1489.475,"end":1497.78,"sentiment":"neutral","sentiment_score":0.1645529214893618}],"sentiment":"neutral","sentiment_score":0.24491916900794758,"channel":0,"num_words":76,"start":1477.475,"end":1497.78},{"sentences":[{"text":"Only the last time, you said the the the loan 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getting an email","start":1507.375,"end":1508.735,"sentiment":"neutral","sentiment_score":0.014646913856267929}],"sentiment":"neutral","sentiment_score":0.014646913856267929,"channel":0,"num_words":4,"start":1507.375,"end":1508.735},{"sentences":[{"text":"yeah.","start":1508.4401,"end":1508.9401,"sentiment":"neutral","sentiment_score":0.015585357323288918}],"sentiment":"neutral","sentiment_score":0.015585357323288918,"channel":1,"num_words":1,"start":1508.4401,"end":1508.9401},{"sentences":[{"text":"for you from the mortgage 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reckon?","start":1521.995,"end":1533.0801,"sentiment":"neutral","sentiment_score":-0.23978283096637046}],"sentiment":"neutral","sentiment_score":-0.23978283096637046,"channel":1,"num_words":28,"start":1521.995,"end":1533.0801},{"sentences":[{"text":"Yeah.","start":1533.4851,"end":1533.885,"sentiment":"neutral","sentiment_score":-0.011405598372220991},{"text":"So within regards to self made super funds, you've got to make sure that you're able to service the loans.","start":1533.885,"end":1541.88,"sentiment":"neutral","sentiment_score":0.026583610835950823},{"text":"And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that.","start":1541.88,"end":1551.4801,"sentiment":"neutral","sentiment_score":0.08675611160438636},{"text":"But in saying that, generally, it goes to thirty years on a mortgage or having a mortgage 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retire.","start":1579.6649,"end":1584.95,"sentiment":"neutral","sentiment_score":0.16653926819562911},{"text":"Should be alright.","start":1584.95,"end":1585.59,"sentiment":"neutral","sentiment_score":0.24152472615242004},{"text":"Just only clar clarification.","start":1585.59,"end":1587.53,"sentiment":"neutral","sentiment_score":0.06884223222732544},{"text":"So I'm not really that's only it's good because you tell me what's going on.","start":1587.67,"end":1591.75,"sentiment":"neutral","sentiment_score":0.17075477043787637},{"text":"Yeah.","start":1591.75,"end":1592.0701,"sentiment":"neutral","sentiment_score":0.2718191146850586}],"sentiment":"neutral","sentiment_score":0.16660981056721588,"channel":1,"num_words":38,"start":1579.6649,"end":1592.0701},{"sentences":[{"text":"Thank you.","start":1592.0701,"end":1592.73,"sentiment":"positive","sentiment_score":0.3611246943473816}],"sentiment":"positive","sentiment_score":0.3611246943473816,"channel":1,"num_words":2,"start":1592.0701,"end":1592.73},{"sentences":[{"text":"Yeah.","start":1592.945,"end":1593.2649,"sentiment":"neutral","sentiment_score":0.06588832288980484},{"text":"No.","start":1593.2649,"end":1593.4249,"sentiment":"neutral","sentiment_score":-0.01641024276614189},{"text":"No.","start":1593.4249,"end":1593.6649,"sentiment":"neutral","sentiment_score":-0.04353103786706925},{"text":"No problem at all.","start":1593.6649,"end":1594.3049,"sentiment":"neutral","sentiment_score":-0.020222936756908894},{"text":"And then, obviously, it comes at, like, quite a high setup cost and everything like that, and you do have to manage it yourself.","start":1594.3049,"end":1599.08,"sentiment":"neutral","sentiment_score":-0.16710460527489582}],"sentiment":"neutral","sentiment_score":-0.1317888784312433,"channel":0,"num_words":31,"start":1592.945,"end":1599.08},{"sentences":[{"text":"So it becomes a bit of an issue there if you sort of are a bit busy or are away and have to do things like audit the fund and things like that and be able to manage things as well.","start":1599.08,"end":1608.62,"sentiment":"neutral","sentiment_score":-0.15783166158490064}],"sentiment":"neutral","sentiment_score":-0.15783166158490064,"channel":0,"num_words":41,"start":1599.08,"end":1608.62},{"sentences":[{"text":"Yeah.","start":1609.7001,"end":1610.02,"sentiment":"neutral","sentiment_score":0.03801415115594864},{"text":"Yeah.","start":1610.02,"end":1610.3401,"sentiment":"neutral","sentiment_score":0.0756206065416336},{"text":"Okay.","start":1610.3401,"end":1610.5801,"sentiment":"neutral","sentiment_score":0.16468337178230286},{"text":"That was good.","start":1610.5801,"end":1611.14,"sentiment":"positive","sentiment_score":0.4151800076166789},{"text":"Thank you.","start":1611.14,"end":1611.88,"sentiment":"positive","sentiment_score":0.5056404173374176}],"sentiment":"neutral","sentiment_score":0.3168923733755946,"channel":1,"num_words":8,"start":1609.7001,"end":1611.88},{"sentences":[{"text":"No problem at all.","start":1612.9349,"end":1613.895,"sentiment":"neutral","sentiment_score":0.15792645886540413},{"text":"Alan, if you did want some more information on that, you can always sort of have a further conversation.","start":1613.895,"end":1617.815,"sentiment":"neutral","sentiment_score":0.060836183593461386},{"text":"Yeah.","start":1617.815,"end":1618.0549,"sentiment":"neutral","sentiment_score":-0.008083075284957886},{"text":"But given you sort of when you do wanna look at sort of trying to retire and things like that as well, it might not sort of be in your your best interest there with how long you have to hold the loan for.","start":1618.0549,"end":1628.6,"sentiment":"neutral","sentiment_score":-0.11900462591173974},{"text":"So I won't take up all your time there this morning.","start":1629.38,"end":1631.46,"sentiment":"neutral","sentiment_score":-0.01142306241672486}],"sentiment":"neutral","sentiment_score":-0.045346164281621484,"channel":0,"num_words":79,"start":1612.9349,"end":1631.46},{"sentences":[{"text":"That should give you enough information to be able to get a start on this, to be able to review those insurances there.","start":1631.46,"end":1636.1799,"sentiment":"neutral","sentiment_score":0.13901423549522524},{"text":"But is there a time that I could book you in there, Alan, to be able to complete that pre assessment 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away?","start":1643.8251,"end":1649.045,"sentiment":"neutral","sentiment_score":0.04432173425124751}],"sentiment":"neutral","sentiment_score":0.048073539412335345,"channel":0,"num_words":19,"start":1643.5851,"end":1649.045},{"sentences":[{"text":"At the moment, until this week, I should be all good until next week.","start":1649.005,"end":1654.705,"sentiment":"neutral","sentiment_score":0.21900511692677224},{"text":"Yeah.","start":1655.005,"end":1655.4049,"sentiment":"neutral","sentiment_score":0.08439454436302185},{"text":"Just let me 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Monday.","start":1661.41,"end":1663.01,"sentiment":"neutral","sentiment_score":0.025884318475921948},{"text":"So","start":1663.01,"end":1663.51,"sentiment":"neutral","sentiment_score":0.04280581325292587}],"sentiment":"neutral","sentiment_score":0.03011469217017293,"channel":1,"num_words":4,"start":1661.41,"end":1663.51},{"sentences":[{"text":"Yep.","start":1664.935,"end":1665.255,"sentiment":"neutral","sentiment_score":0.06452945619821548},{"text":"So if I could sort of organize a time sometime tomorrow, you'd obviously be sort of in the mornings because we finished a little bit earlier on a Friday, so we probably wouldn't be able to get you in an afternoon.","start":1665.255,"end":1674.375,"sentiment":"neutral","sentiment_score":0.06286317737000745},{"text":"But tomorrow morning sometime would probably work out for you.","start":1674.375,"end":1677.66,"sentiment":"neutral","sentiment_score":0.06533476188778878}],"sentiment":"neutral","sentiment_score":0.06337052590858477,"channel":0,"num_words":52,"start":1664.935,"end":1677.66},{"sentences":[{"text":"Yeah.","start":1678.0651,"end":1678.305,"sentiment":"neutral","sentiment_score":0.05312495306134224},{"text":"Yeah.","start":1678.305,"end":1678.545,"sentiment":"neutral","sentiment_score":0.05823323130607605},{"text":"Sure.","start":1678.545,"end":1678.865,"sentiment":"neutral","sentiment_score":0.06867416203022003},{"text":"Sure.","start":1678.865,"end":1679.365,"sentiment":"neutral","sentiment_score":0.06409148871898651},{"text":"The same time because I have to bring my kids at 08:30 WA time here.","start":1679.585,"end":1684.805,"sentiment":"neutral","sentiment_score":0.0478642796476682}],"sentiment":"neutral","sentiment_score":0.05063621209640252,"channel":1,"num_words":19,"start":1678.0651,"end":1684.805},{"sentences":[{"text":"Okay.","start":1685.24,"end":1685.64,"sentiment":"neutral","sentiment_score":0.0840102955698967},{"text":"Not a problem.","start":1685.64,"end":1686.28,"sentiment":"neutral","sentiment_score":0.16984699666500092},{"text":"I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process.","start":1686.28,"end":1691.455,"sentiment":"neutral","sentiment_score":0.13058910097764886}],"sentiment":"neutral","sentiment_score":0.1332259484463268,"channel":0,"num_words":27,"start":1685.24,"end":1691.455},{"sentences":[{"text":"Yep.","start":1692.61,"end":1693.11,"sentiment":"neutral","sentiment_score":0.12000715732574464}],"sentiment":"neutral","sentiment_score":0.12000715732574464,"channel":1,"num_words":1,"start":1692.61,"end":1693.11},{"sentences":[{"text":"Not a problem.","start":1693.9149,"end":1694.635,"sentiment":"neutral","sentiment_score":0.17310709257920584},{"text":"But do you have any other questions for me before I let you go there today, Alan?","start":1694.635,"end":1697.695,"sentiment":"neutral","sentiment_score":0.0687007619177594}],"sentiment":"neutral","sentiment_score":0.08436171151697636,"channel":0,"num_words":20,"start":1693.9149,"end":1697.695},{"sentences":[{"text":"Yeah.","start":1698.37,"end":1698.77,"sentiment":"neutral","sentiment_score":0.14298617839813232},{"text":"All good now.","start":1698.77,"end":1699.33,"sentiment":"positive","sentiment_score":0.39648448427518207},{"text":"I understand everything.","start":1699.33,"end":1700.53,"sentiment":"neutral","sentiment_score":0.2867064078648885},{"text":"Yep.","start":1700.53,"end":1700.77,"sentiment":"neutral","sentiment_score":0.2770536541938782},{"text":"Thank you.","start":1700.77,"end":1701.225,"sentiment":"positive","sentiment_score":0.6449993252754211}],"sentiment":"positive","sentiment_score":0.37596111595630644,"channel":1,"num_words":10,"start":1698.37,"end":1701.225},{"sentences":[{"text":"Perfect.","start":1701.9299,"end":1702.33,"sentiment":"positive","sentiment_score":0.7500009536743164},{"text":"Well, you enjoy the rest of your day.","start":1702.33,"end":1703.53,"sentiment":"positive","sentiment_score":0.751386858522892},{"text":"Thanks for your time this morning.","start":1703.53,"end":1704.97,"sentiment":"positive","sentiment_score":0.7345271408557892},{"text":"I'll get a start on that for you just to review those things.","start":1704.97,"end":1707.47,"sentiment":"positive","sentiment_score":0.49250027308097255}],"sentiment":"positive","sentiment_score":0.6275272220373154,"channel":0,"num_words":28,"start":1701.9299,"end":1707.47},{"sentences":[{"text":"Yeah.","start":1707.705,"end":1707.945,"sentiment":"neutral","sentiment_score":0.2594716250896454},{"text":"You too.","start":1707.945,"end":1708.345,"sentiment":"neutral","sentiment_score":0.3325939178466797},{"text":"Thank you so much.","start":1708.345,"end":1709.145,"sentiment":"positive","sentiment_score":0.6455974578857422},{"text":"Yep.","start":1709.145,"end":1709.645,"sentiment":"neutral","sentiment_score":0.26839539408683777}],"sentiment":"positive","sentiment_score":0.4719305858016014,"channel":1,"num_words":8,"start":1707.705,"end":1709.645},{"sentences":[{"text":"Thanks.","start":1709.77,"end":1710.25,"sentiment":"positive","sentiment_score":0.41949033737182617},{"text":"Bye now.","start":1710.25,"end":1710.99,"sentiment":"neutral","sentiment_score":0.24584540724754333}],"sentiment":"neutral","sentiment_score":0.30372705062230426,"channel":0,"num_words":3,"start":1709.77,"end":1710.99},{"sentences":[{"text":"Bye now.","start":1711.385,"end":1712.125,"sentiment":"neutral","sentiment_score":0.15001416951417923}],"sentiment":"neutral","sentiment_score":0.15001416951417923,"channel":1,"num_words":2,"start":1711.385,"end":1712.125}]},"summary":{"result":"success","short":"Kyle apologizes for missing a call and discusses the impact of the war on Alan's portfolio, which was put on trading hold due to a recommendation to move out of Bennelong. The speaker suggests a portfolio update and reducing risk to improve diversification and growth. They also discuss the possibility of reducing risk for Alan's investment and his health and retirement plans. The agent suggests reviewing his current health and retirement plans to determine if it is cheaper or even cheaper, and schedules a call for the next day to complete the pre assessment process."},"intents":{"segments":[{"text":"I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about?","start_word":376,"end_word":414,"intents":[{"intent":"Discuss portfolio impact","confidence_score":0.18145174},{"intent":"Discuss risk profile","confidence_score":0.12944882}]},{"text":"But then with that, you also can make changes to it as well and sort of adjust your risk profile now.","start_word":517,"end_word":537,"intents":[{"intent":"Adjust risk profile","confidence_score":0.1547085}]},{"text":"Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole.","start_word":538,"end_word":568,"intents":[{"intent":"Discuss war in iran","confidence_score":0.51043004},{"intent":"Discuss war in iran","confidence_score":0.04012296}]},{"text":"But you still have a number of years. You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that.","start_word":694,"end_word":726,"intents":[{"intent":"Discuss future","confidence_score":0.0028125239}]},{"text":"I know you wanted to potentially retire in sort of your early sixty's.","start_word":727,"end_word":739,"intents":[{"intent":"Discuss retirement plan","confidence_score":0.078295}]},{"text":"We you could review the portfolio. You do have quite a high allocation to the BetaShares Australian two hundred. It makes up quite a significant portion of your portfolio. You could look at Yes.","start_word":946,"end_word":979,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.05206764}]},{"text":"And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have. Okay.","start_word":1087,"end_word":1157,"intents":[{"intent":"Adjust portfolio","confidence_score":0.07432544},{"intent":"Discuss investment strategy","confidence_score":0.017079089}]},{"text":"So within regards to investing, have you made direct share investments previously?","start_word":1219,"end_word":1230,"intents":[{"intent":"Review investment portfolios","confidence_score":0.011773146}]},{"text":"I can send you out your 12 monthly reports for you to be able to have a look at and sort of see.","start_word":1423,"end_word":1445,"intents":[{"intent":"Send monthly reports","confidence_score":0.5096271}]},{"text":"So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation Yeah.","start_word":1571,"end_word":1606,"intents":[{"intent":"Discuss market analysis","confidence_score":0.000014517008}]},{"text":"So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation Yeah. balance.","start_word":1571,"end_word":1607,"intents":[{"intent":"Send reports","confidence_score":0.004786487}]},{"text":"And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us? No.","start_word":1674,"end_word":1699,"intents":[{"intent":"Ask about past investments","confidence_score":0.00128772}]},{"text":"That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation. That's my target.","start_word":1772,"end_word":1791,"intents":[{"intent":"Discuss future steps","confidence_score":0.00062167074}]},{"text":"Would you sort of hold and wait that out to see how that might improve like you did with the tariffs, or you would sort of wanna see like, shift to more secure assets, like, with the defensive and going down a risk profile, or do you feel like you would wanna hold it out a bit more, like, with those tariffs to see how it does recover?","start_word":2130,"end_word":2197,"intents":[{"intent":"Improve tariffs","confidence_score":0.06944637},{"intent":"Recover","confidence_score":0.0031684826}]},{"text":"And then with the regards to return and what you're trying to get out of your superannuation, what would you sort of be happy with if you were getting as a return out of your superannuation? Like, if you were getting six to 8%, you'd be okay with that reducing your risk, or you're trying to aim for still, like, 8% and above?","start_word":2218,"end_word":2280,"intents":[{"intent":"Increase returns","confidence_score":0.008391535}]},{"text":"I'm trying to reduce the the risk actually at the moment. Yeah. Yeah.","start_word":2281,"end_word":2293,"intents":[{"intent":"Reduce risk","confidence_score":0.5896074},{"intent":"Reduce risk","confidence_score":0.9448821},{"intent":"Reduce risk","confidence_score":0.2377759},{"intent":"Reduce investment","confidence_score":0.14507602}]},{"text":"So within regards to borrowed money, this is the last question there. You do obviously have money invested into your property through a mortgage today or, like, previously. Now would you ever put borrowed money into anything else, Alan?","start_word":2417,"end_word":2455,"intents":[{"intent":"Borrow money","confidence_score":0.18602088}]},{"text":"With, obviously, with reducing risk, you potentially reduce the returns that you can get over the longer term, but you do experience a little less volatility. So with that, we can look at doing an update to reduce your risk down to a growth risk profile if that's what you'd like. Yes.","start_word":2600,"end_word":2651,"intents":[{"intent":"Reducing risk","confidence_score":0.025651056}]},{"text":"And with that, at the moment, has your employment changed much at all in terms of, like, your duties apart from, like, what you're doing? Do you do more office work? Or The same thing. Yeah.","start_word":2709,"end_word":2744,"intents":[{"intent":"Confirming employment","confidence_score":0.14428657}]},{"text":"And do you know roughly what your income is at the moment? Maybe this year, maybe I got maybe $100,160, 150. Yep.","start_word":2769,"end_word":2790,"intents":[{"intent":"Discussing salary rate","confidence_score":0.0018886457}]},{"text":"And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on that? Yes. Yes.","start_word":2791,"end_word":2819,"intents":[{"intent":"Including overtime","confidence_score":0.018928377}]},{"text":"And then within regards to your savings, do you know roughly how much you're putting into savings at the moment? I save maybe 60,000.","start_word":2925,"end_word":2948,"intents":[{"intent":"Check savings level","confidence_score":0.000028309836},{"intent":"Determine monthly savings","confidence_score":0.023492234}]},{"text":"So with your employment to do you want any sort of enterprise bargaining agreement, or is it just an standard employment contract?","start_word":3022,"end_word":3043,"intents":[{"intent":"Determine employment contract requirements","confidence_score":0.009279175}]},{"text":"And do you have a car at the moment? No. I don't have my that's my wife car. Okay.","start_word":3120,"end_word":3138,"intents":[{"intent":"Identify car ownership","confidence_score":0.009214492}]},{"text":"So in regards to your goals and what you do wanna achieve, now I know your main goal is to pay off the house there and then just sort of do a few renovations. Is the moment you're just looking to maybe do some renovations now that you've paid off the house? Yes.","start_word":3265,"end_word":3317,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.00066224433}]},{"text":"And in regards to your insurances, Alan, you do, like, have life total permanent disability and income protection. Now the cost of those is getting quite high in terms of what is coming out, which is affecting your balance as well. Is that something you potentially want to review in regards to that as well? Yes.","start_word":3659,"end_word":3714,"intents":[{"intent":"Review insurances","confidence_score":0.0000698474}]},{"text":"Actually, I wanna cut it. Actually yeah. Yeah.","start_word":3715,"end_word":3722,"intents":[{"intent":"Consider cutting costs","confidence_score":0.01813075}]},{"text":"So you and potentially come want to look at a reduction in what you have? yes. Actually, yeah.","start_word":3730,"end_word":3747,"intents":[{"intent":"Seek clarification on future actions","confidence_score":4.6207057e-7}]},{"text":"The income protection, if I can can take away that one, it's okay?","start_word":3758,"end_word":3770,"intents":[{"intent":"Discuss income protection","confidence_score":0.0018087629},{"intent":"Discuss income protection","confidence_score":0.14052741}]},{"text":"And then with regards to life and TPD Yeah. portions because you are covered for the 650,000 of life and total permanent disability, is that something you wanted to look at potentially reducing or? That's why it should be alright, that one, for me. Yeah.","start_word":3945,"end_word":3989,"intents":[{"intent":"Evaluate health coverage","confidence_score":0.013082752}]},{"text":"So we can look at doing that one. And then is there anything else that you wanted to potentially review at the moment there, Alan?","start_word":4397,"end_word":4421,"intents":[{"intent":"Review insurances","confidence_score":0.16438243},{"intent":"Review estate planning","confidence_score":0.06611395}]},{"text":"And Or then getting an email yeah. for you from the mortgage broker. Yeah.","start_word":4524,"end_word":4537,"intents":[{"intent":"Receive email","confidence_score":0.018521471}]},{"text":"So within regards to self made super funds, you've got to make sure that you're able to service the loans. And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that.","start_word":4590,"end_word":4638,"intents":[{"intent":"Service super funds","confidence_score":0.22662352}]},{"text":"But is there a time that I could book you in there, Alan, to be able to complete that pre assessment there? Yeah.","start_word":4968,"end_word":4990,"intents":[{"intent":"Schedule call with advisor","confidence_score":0.0015653239}]},{"text":"I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process. Yep.","start_word":5122,"end_word":5145,"intents":[{"intent":"Book appointment","confidence_score":0.22242539}]}]},"sentiments":{"segments":[{"text":"Good morning, Alan. It's Kyle. How are you today?","start_word":0,"end_word":8,"sentiment":"positive","sentiment_score":0.3716854155063629},{"text":"Good. Yeah. I'm sorry. I missed that call. Yeah. Yeah. No. That's perfectly fine. Apologies for the the voice mail. I was reading an email, and I incorrectly Go called ahead. you. No. There's apologies for that one. But had you scheduled in there to just go over a quick sort of discussion around your sort of portfolio and and risk this morning? Yes. Yes. Yes. Yes. Yep. Now with that one, I know you did have your end review the end of sort of last year, and then obviously since then, it's obviously taken quite a bit of a dive in terms of your superannuation balance. Now there are a few different reasons why that occurred. Now I'm not too sure if you remember your portfolio, but you did have a a managed fund called Bennelong. Now with that Bennelong fund, you did have quite an allocation to that, and they had an underlying investment that did get done to not reporting correctly. So as a result of that, they were put on trading hold. Bennelong had to reevaluate those, and as a result, the fund itself took a bit of a significant hit. And then, obviously, the war in Iran has continued to sort of cause the markets as a whole to take a bit of a a decline, if that makes sense. Yeah. Sure. Sure. Yeah. Yeah. Yep. Now as part of the review of the Bennelong from the investment committee at Oakview, I believe they issued in between that time a record of advice to move out of Bennelong to a BetaShares Australian two hundred, which is an alternative to that Ben Long investment because it's an Australian equity. It's an index as opposed to, like, the actively managed fund, so it did remove that manager risk that you did hold. And then with that, it's moved into an index that is cheaper and then also historically has been a little bit less volatile and a little better in regards to returns over the recent years, if that makes sense. Yes. Yes. Sure. Yep. And then with all that in mind there, Alan, is there any specific questions in regards to your performance? I know sort of you wanted to discuss around sort of the risk and risk profile, but is there anything in regards to your portfolio itself currently that you want to have some more information about or discussion about? Yes. Because I worried because if the market is going up now or or the market is all all good because all the prices going up. So what's the effect with my superannuation? And today or at present and the future, what do you reckon for that? Otherwise, that's why I have to discuss it or or because it's not I as far as I know, you cannot change it or you cannot withdraw it or whatever reason is it. So within regards to, like, your superannuation, obviously, you can't access it till the age of 60 with conditions of release. Yep. But then with that, you also can make changes to it as well and sort of adjust your risk profile now. Obviously, in regards to what did occur with, obviously, the war in Iran, that's sort of a global issue that did occur, and it is affecting the markets as a whole. Now generally, in regards to that, much like with the tariff talk that Trump in the start of the year causes, like, significant volatility in the market and significant drops. And then from that, it typically recovers quite quickly in terms of, like, the the value being recovered as long as it sort of the it has stopped with in regards to the war and things sort of get back to normal. So in saying that there might sort of be sort of, you know, three to six months there where it still doesn't do too much in terms of, like, return or bouncing back until that issue is resolved with the the war and, like, obviously, oil prices going up and things like that. But you still have a number of years. You've got five years until you hit 60 and you can access it, and then you've got a number of years potentially working after that. I know you wanted to potentially retire in sort of your early sixty's. So you can look at reducing risks and sort of lowering the amount of allocation to growth assets. But with that, additionally, as well, you're sort of selling at a low and then sort of potentially buying some assets that are up a little bit if they're going a bit more defensive with that. And then making sort of change at the moment with it being so volatile, there is a chance that while you're sort of making those adjustments that the market does swing, you potentially miss out on some growth. But, historically, Okay. yeah, the long term and sort of that, you know, seven five to seven year or seven to ten year mark, Obviously, there's still conviction in the investments doing well over that period of time and recovering. It's more so the fact that the issue that you did have with that down along has already been replaced with that Australian 200, and you did crystallize some of those losses. But with the market dropping, you've obviously gone to a separate asset that will hopefully perform better than what Bennelong was recovering, if that makes sense. Yes. Sure. Okay. Okay. So so it's at the moment, you can do anything. Yep. No. We you could review the portfolio. You do have quite a high allocation to the BetaShares Australian two hundred. It makes up quite a significant portion of your portfolio. You could look at Yes. doing a portfolio update to basically look at adjusting it a little bit to improve your diversification a little bit and sort of making a bit of a spread. And then with the losses that were with Ben Long, it might offset some of that change as well. We can also run through a risk profile and see if you're still in line with a high growth investor, which is what you're currently invested in Yep. just to see if that might need adjusting as well. Obviously, with that, you know, the high growth is aiming for those higher returns over a longer period of time. And then sort of as you adjust that down, you're sort of aiming for less returns because you're taking on less risk, and you're just aiming for a bit more steady growth, but you still have quite a bit of volatility even if you were to just go down to, like, an eighty twenty split between growth and defensive assets versus, like, the ninety ten split that you currently have. Okay. Okay. Yes.","start_word":9,"end_word":1158,"sentiment":"neutral","sentiment_score":-0.01910657384797283},{"text":"I leave it, yeah, to you guys how do you want it, but it's good.","start_word":1159,"end_word":1173,"sentiment":"positive","sentiment_score":0.3786953389644623},{"text":"Yeah. I know. I understand it. Yeah. Okay. Because I'll run through a risk profile, and then we can have a bit of a discussion around that as well. So they've probably answered these questions before, but I'll run through them with you there, Alan. So within regards to investing, have you made direct share investments previously? Because I don't think we've spoken before. With the lady. You know? And then, normally, they send me all all on on my email how they invested, but this time, it's a little bit shortcut. You know? But I just quit quiet. I said, after six months, I said, can you I have to review again. That's why. Otherwise, I have a new new one to talk to me rather than the other one. We said we should be a little bit shortcut. You know?","start_word":1174,"end_word":1315,"sentiment":"neutral","sentiment_score":0.04033111408352852},{"text":"It's, like, easy.","start_word":1316,"end_word":1318,"sentiment":"positive","sentiment_score":0.34359169006347656},{"text":"It's fast review. You know? Normally, they give me on my email how to invest it, and I see how the money grow. I don't see any diagram like that, just to be honest to you. In terms of, like, the review you had here for your annual review, you didn't get your reports or anything like that? Yes. Exactly. Yes. Yes. Yes. Yeah. Because obviously, it's been quite a bad year in terms of, like, growth because it went up and then it went down with the tariff talk, and then it went up again, and it's gone down with what did occur. I can send you out your 12 monthly reports for you to be able to have a look at and sort of see. It's down about 4.3% from that. But at the start of the year with the tariff talk, it was actually down 8% and then obviously recovered and took another dip. Now Yeah. The yeah. Because, you know, last time when Donald from you know, the last time we used we lost a lot of it's a I don't a 100,000,000,000 for the Australian market.","start_word":1319,"end_word":1509,"sentiment":"neutral","sentiment_score":-0.13674243650745346},{"text":"That's why I lost for that, and then I worry I wanted to to change it.","start_word":1510,"end_word":1525,"sentiment":"negative","sentiment_score":-0.3773116767406464},{"text":"So yes. Yeah. You know, the last time, you know, remembered, a tram Yeah. And the tariff talk that caused the significant drop in the markets? yeah. Yeah. Yeah. This this guy is a little bit crazy. Yeah. Just to be honest with you. Yeah. So I can send you a report to show you that illustrates that dip in the market and then sort of where we're at now in regards to what happened as well with your superannuation Yeah. balance. So you can have a look at that and see why it's Yeah. down Because to four point yeah. 3%. Yeah. Yeah. Because I'm I'm blinded. You know? Normally, yeah, they send it through in the email, you know, and then I don't see it. You know? Yeah. Yeah. I'll email you a couple of reports there so you can have a review of those, Alan. And then with in regards to yourself, have you personally made any direct share investments previously apart from, like, the investments you hold with us? No. I don't have anything yet. No. Yeah. Yeah. No. That's fine. And then within regards to because obviously, you know, in sort of five years, you could potentially access some of your money if you wanted to. Now if that were the case, sort of, are you looking to try and access your money at 60? Do you feel like you'll still be working to, like, 65? Or My target is 62. That's why that's that's what that's our our discuss before to have at least half 1,000,000 superannuation. That's my target. You know? Trying to get to that by the age of 62. Yeah. No. That's fine. And then as far as inflation's concerned with the cost of living going up, being able to take on or have to take on a bit more risk in regards to your investments to try and get a bit of a higher return as opposed to, like, sitting in cash and those sort of things, I would you consider yourself to be a bit of a a risk taker in terms of, like, getting that risk reward? Would you say it's a bit moderate or a bit higher in terms of taking on a bit risk to try and get a bit more growth out of your superannuation? At the moment, I like to do in in moderate. You know? It depends the situation. So, you know, every year, they can I can say, oh, we go to higher higher investment or higher rate? Yeah. Yes. So, This generally, is you you wanna take on a bit more risk, like, earlier to sort of Yes. you can Yes. better Actually, these tips. yes. Yeah. And then as you get a bit older, you look at reducing it just to preserve the balance a little bit more and hopefully have a little less volatility. Because, Yep. obviously, in a high growth investment, you're still aiming to get sort of those higher figures out of your superannuation, that high growth to try and bolster that up while you have the time to recover the dips like what has occurred with this war and the tariff talk with Trump as opposed to doing that right up until you were looking to access your sort of money, if that makes sense. Yes. Yes. Sure. Yep. Yep. And then with the the decrease or if your portfolio was to decrease to about, like, 20% just due to what's going on with the war and everything in the market, how would that sort of make you feel? Would you sort of hold and wait that out to see how that might improve like you did with the tariffs, or you would sort of wanna see like, shift to more secure assets, like, with the defensive and going down a risk profile, or do you feel like you would wanna hold it out a bit more, like, with those tariffs to see how it does recover? I I think at the moment, we go in a defensive. You know? You'd want to be more defensive? Yep. Yep. And then with the regards to return and what you're trying to get out of your superannuation, what would you sort of be happy with if you were getting as a return out of your superannuation? Like, if you were getting six to 8%, you'd be okay with that reducing your risk, or you're trying to aim for still, like, 8% and above? I'm trying to reduce the the risk actually at the moment. Yeah. Yeah. And then with that, like, obviously, over the longer term returns can drop with that as well. So if you were reducing risk and getting sort of returns between 68%, would you be happy with that? Or Yeah. Yeah. Yeah.","start_word":1526,"end_word":2333,"sentiment":"neutral","sentiment_score":0.05153755376133883},{"text":"Because, you know, it's it's more dangerous if you lost more than yeah.","start_word":2334,"end_word":2346,"sentiment":"negative","sentiment_score":-0.4254365861415863},{"text":"yep. No. That's fine. And then with what's happened and the drop, obviously, it's made you a little bit concerned in regards to your investment? With I'm sorry. Sorry. What is your question? the war that is occurring and everything like that, does that make you a bit cautious in regards to your investments wanting to reduce those down at the moment? Yes. Yes. Yes. Yep. No. That's perfectly fine. So within regards to borrowed money, this is the last question there. You do obviously have money invested into your property through a mortgage today or, like, previously. Now would you ever put borrowed money into anything else, Alan? I don't have any mortgage at the moment. Yes. Yeah. Would you ever borrow money again to invest in anything else, like another property if circumstances were different, like, in given the risk? Or I'm thinking because it depends the world because I'm casual. You know? But like me, my house is 700,000. So my at the big stock, how much equity that I can use for the next property? Yep. If you want, we can put you in touch with a mortgage broker, and then you can have that Yeah. conversation. Yeah. Yeah. Just only I'm curious. You know, exploring this, you know, this. Yep.","start_word":2347,"end_word":2561,"sentiment":"neutral","sentiment_score":-0.04332663926274277},{"text":"Not a problem at all.","start_word":2562,"end_word":2566,"sentiment":"positive","sentiment_score":0.3954576849937439},{"text":"So that does bring you out there to a growth investor there, Alan, which is around that eighty twenty split as opposed to, like, the ninety ten sort of split you're in currently.","start_word":2567,"end_word":2599,"sentiment":"neutral","sentiment_score":0.28950968384742737},{"text":"With, obviously, with reducing risk, you potentially reduce the returns that you can get over the longer term, but you do experience a little less volatility.","start_word":2600,"end_word":2625,"sentiment":"positive","sentiment_score":0.35932454466819763},{"text":"So with that, we can look at doing an update to reduce your risk down to a growth risk profile if that's what you'd like. Yes. Yep.","start_word":2626,"end_word":2652,"sentiment":"neutral","sentiment_score":0.2930128574371338},{"text":"Not a problem.","start_word":2653,"end_word":2655,"sentiment":"positive","sentiment_score":0.3690860867500305},{"text":"And I will just go through and just confirm your details too and make sure everything's up to date with that. So currently, at the moment there, you've got the two dependents and you've got your your spouse still. Yes. Yep. And you're still working as a cook there, Alan? Yes. Yes. Yep. And with that, at the moment, has your employment changed much at all in terms of, like, your duties apart from, like, what you're doing? Do you do more office work? Or The same thing. Yeah. The same. yep. Not a problem at all. And with that, are you still doing four weeks on, four weeks off? Yes. Yes. Yep. And do you know roughly what your income is at the moment? Maybe this year, maybe I got maybe $100,160, 150. Yep. And is that with, like, any sort of overtime or penalty rates, or is that just your standard four week roster of twelve hour days on that? Yes. Yes. That's the standard. Yeah. Not a problem. And do you know roughly at the moment what you're spending versus what you're saving in terms of, like, your your income once it's sort of broken down? I had here you were sort of spending around $7.50 a week and then saving around a thousand dollars. Does that sound about right? Now maybe more than 2,000 a month or 2,005 a month. You know?","start_word":2656,"end_word":2891,"sentiment":"neutral","sentiment_score":0.05182556987550678},{"text":"It's too expensive now, actually.","start_word":2892,"end_word":2896,"sentiment":"negative","sentiment_score":-0.3888831734657288},{"text":"Or that sometimes depends. But but roughly now, I see I I spent 2,005 a month with my with the old all expenses, with my support. Yeah. Yep. And then within regards to your savings, do you know roughly how much you're putting into savings at the moment? I save maybe 60,000.","start_word":2897,"end_word":2948,"sentiment":"neutral","sentiment_score":0.030441945418715477},{"text":"I already saved 60,000 this year.","start_word":2949,"end_word":2954,"sentiment":"positive","sentiment_score":0.3577812910079956},{"text":"Yeah. Yep. And in general, do you know how much like, just as a a monthly amount you're putting into that savings account? Last time, I put 5,000 a month, actually. But this time, I don't have work much now. I don't save almost two months now. I normally I put 5,000 a month on my savings. Okay. Yep. No problem. And I will go in there. So with your employment to do you want any sort of enterprise bargaining agreement, or is it just an standard employment contract? It's just only employment standard contract. I'm casual basis. You know? Yeah. Not a problem. And then as far as your assets there, so you've got the house around 700,000. And how much do you have sitting in your savings at the moment, Alan? My savings and cash now. I I have 60,000 here. Okay. So that's your total amount that you've got sitting in savings? Yeah. Yeah. Yeah. That's my cash at the moment. Yep. And do you have a car at the moment? No. I don't have my that's my wife car. Okay. Not a problem. And as far as any other assets or liabilities on, do you have anything else that you own currently that we're not sort of aware of? I don't have any. Yeah. That's only the house. Yeah. Not a problem at all. And then as far as everything else, sir, in regards to your health, everything as far as you've been good, your high blood pressure is under control, and you're maintaining your cholesterol and everything? Yes. Yes. Yes. Yep.","start_word":2955,"end_word":3220,"sentiment":"neutral","sentiment_score":0.048405014776757786},{"text":"Not a problem.","start_word":3221,"end_word":3223,"sentiment":"positive","sentiment_score":0.36768993735313416},{"text":"And as far as the will, have you managed to get a will sorted since we last spoke, Alan? Sorry? A will? Like a will for your estate planning matters? At the moment, I don't have. Yeah. No. That that's fine. So in regards to your goals and what you do wanna achieve, now I know your main goal is to pay off the house there and then just sort of do a few renovations. Is the moment you're just looking to maybe do some renovations now that you've paid off the house? Yes. Actually, yes.","start_word":3224,"end_word":3319,"sentiment":"neutral","sentiment_score":0.027159804478287697},{"text":"But now it's too hard to get a a trade, and it's too expensive.","start_word":3320,"end_word":3333,"sentiment":"negative","sentiment_score":-0.5378152132034302},{"text":"Yeah. No. I completely understand that. And then as far as anything else, like, obviously, potentially reviewing an investment property, Is there anything else that you're looking to do in the short term? Yeah. At the moment, no. Because of depends the work because my work is casual. So now it's a bit quiet. I was had a misunderstanding with the company. You know? And then I have no return, so I go another company again. So it's same my company. Yeah. That's how it is. Because casual business is is not sure that you have a work, but sometimes you have work. So that's why I save money, you know. If I don't have work, I have my I have something. Your You savings. Yeah. know? Just yeah. And are you trying is that a goal to be, like, off a casual basis and potentially, like, some sort of permanent part time or full time? As always, casual basis, but I'm looking forward to now to do a take assistant to do a training, you know, because it depends the offshore industry. Because at the moment, Australia have no more big project for offshore. Yeah. All Okay. yeah. So you're looking to do some form of training or Yeah. just get into some sort of different Yeah. industry So for credit cooking? system. Yeah. Yep. Not a problem at all. And in regards to anything else, is there anything else that you're working towards at the moment, Alan? Yeah. I've I think on May, I have a work for at the moment. I think in in in Queensland for bridgingcom bridging company. Okay. Yep. No I problem. have only ten days work last last last yes. Yesterday. I'm sorry. Okay. And then you got sent home? Yeah. I went home for I have worked for, I think, early April or May. Yeah. We my deployment is in Queensland, I think. Yep. Not a problem. And in regards to your insurances, Alan, you do, like, have life total permanent disability and income protection.","start_word":3334,"end_word":3676,"sentiment":"neutral","sentiment_score":-0.005542331280148759},{"text":"Now the cost of those is getting quite high in terms of what is coming out, which is affecting your balance as well.","start_word":3677,"end_word":3699,"sentiment":"negative","sentiment_score":-0.34961187839508057},{"text":"Is that something you potentially want to review in regards to that as well? Yes. Actually, I wanna cut it. Actually yeah. Yeah. You know, just to save money Yep. So you and potentially come want to look at a reduction in what you have? yes. Actually, yeah.","start_word":3700,"end_word":3747,"sentiment":"neutral","sentiment_score":-0.1254124790430069},{"text":"Actually, I don't really need it at the moment.","start_word":3748,"end_word":3756,"sentiment":"negative","sentiment_score":-0.3984387218952179},{"text":"Yeah. The income protection, if I can can take away that one, it's okay? So you can obviously get rid of the income protection, but that would mean in the event that anything did happen to you, Alan, then while you sort of are, like, working, earning an income and things like that, you'd have to sort of rely on any sort of government assistant programs or rely on sort of having workers' compensation if the injury was to occur at work versus, like, outside of work, if that makes sense. Yes. Yes. Yes. Yep. And then within saying that, is that something you still wanna look at getting rid of? Or I think I wanna read all because now I don't really work because I paid my house. So, yeah, there's only one thing reason why I need that income protection. Was to pay off the house. And now that you paid off the house, you're not really too fussed on sort of if you end up working in that industry or finding like a different job because your debt's paid off? Yes. Yes. Actually, yes. Yep. And then with regards to life and TPD Yeah. portions because you are covered for the 650,000 of life and total permanent disability, is that something you wanted to look at potentially reducing or? That's why it should be alright, that one, for me. Yeah. Just leave it as is? You don't want to look at touching that one? Yeah. Yes. Yep. And then in regards to your your health there, Alan, because we can obviously review and return to market. Obviously, the insurance costs do get more expensive as they get older. So we could look at potentially, like, going back to market, but with that, we'd have to do, like, a pre assessment and going through that process to just see how your current health is and then also, like, what your occupational duties and things like that are. And if as a casual basis, if they're willing to offer cover if you're not doing too much work at the moment. So within regards to your high blood pressure and cholesterol, when's the last time you sort of got that checked up, and was the doctor happy with everything? I think wait. Six months ago. I have to come back next week, actually. Yeah. Next Because week, you I have do a checkout? six yeah. Yeah. Yeah. I do six months. Yeah. Six months, actually. Yep. Because with that, would you want to sort of look and see if there was a cheaper policy out there and do the pre assessment process to be able to review that, or is you just happy with the cover you have and you just want to look at maintaining the life and TPD portion? I have I like to maintain that one. Yep. Yep. The life insurance. Did you wanna look at comparing that to other products on the market as a replacement, Yep. or are you happy just retaining the policy you do have? I I'm returning the policy. Yep.","start_word":3757,"end_word":4274,"sentiment":"neutral","sentiment_score":-0.008117849273341042},{"text":"You don't want to go through the underwriting process at the moment or do that steps to be able to look at the replacing it with a cheaper option?","start_word":4275,"end_word":4303,"sentiment":"negative","sentiment_score":-0.4236440658569336},{"text":"Or Maybe cheaper option should be good. yeah. Because with that, we would have to do a pre assessment there and get you booked in to be able to go through just a bit more about, like, what you are doing at the moment in terms of your work and then also a little bit more about your health and, like, current health conditions to be able to sort of assess how they might offer, like, a cheaper policy, if that makes sense. Yes. Yes. Sure. I understand. Yep. Okay. Not a problem. So we can look at doing that one. And then is there anything else that you wanted to potentially review at the moment there, Alan? Yeah.","start_word":4304,"end_word":4422,"sentiment":"neutral","sentiment_score":0.08054261654615402},{"text":"Yes. I think all good now.","start_word":4423,"end_word":4428,"sentiment":"positive","sentiment_score":0.5020368099212646},{"text":"Yeah. I understand. Yep. Yep. Not a problem. So we can just look at reviewing your insurances, look at that investment for you, and then also just put in some estate planning there to help you sorta get a bit more knowledge on getting your estate planning matters sorted. So so within regards to any other questions you did have there, Alan, was there anything else that you wanted to have a chat about while you've got me there today? Only the last time, you said the the the loan broker. Yeah. Yeah. Yeah. Yeah. And Or then getting an email yeah. for you from the mortgage broker. Yeah. Yep. Or at the moment, if I I ship my self managed super fund, can possible for that? No. What was that? Sorry. If I change my superannuation to self managed super fund to buy a property, it's still advisable or just because I'm too old or what do you reckon? Yeah. So within regards to self made super funds, you've got to make sure that you're able to service the loans. And then, like, although you do have, like, a balance that could potentially facilitate, like, a property purchase depending on, like, obviously, the property, you could potentially do that. But in saying that, generally, it goes to thirty years on a mortgage or having a mortgage there. And then with you wanting to retire at the age of 60 through two, if all your money is tied up into a mortgage and you're actually still having to contribute to pay down that loan, you wouldn't be able to access any equity in your superannuation. So you'd have to keep working to be able to keep paying that loan, or you'd have to have a property that earns enough income that it's paying down the loan as well, if that makes sense. Yeah. Yeah. Okay. Yeah. Yes. Because I see one of my friend, You keep working until 65 until you retire. Should be alright. Just only clar clarification. So I'm not really that's only it's good because you tell me what's going on. Yeah.","start_word":4429,"end_word":4783,"sentiment":"neutral","sentiment_score":0.05244122498052221},{"text":"Thank you.","start_word":4784,"end_word":4785,"sentiment":"positive","sentiment_score":0.33379679918289185},{"text":"Yeah. No. No. No problem at all. And then, obviously, it comes at, like, quite a high setup cost and everything like that, and you do have to manage it yourself. So it becomes a bit of an issue there if you sort of are a bit busy or are away and have to do things like audit the fund and things like that and be able to manage things as well. Yeah. Yeah. Okay.","start_word":4786,"end_word":4860,"sentiment":"neutral","sentiment_score":-0.12442617118358612},{"text":"That was good. Thank you.","start_word":4861,"end_word":4865,"sentiment":"positive","sentiment_score":0.45756733417510986},{"text":"No problem at all. Alan, if you did want some more information on that, you can always sort of have a further conversation. Yeah. But given you sort of when you do wanna look at sort of trying to retire and things like that as well, it might not sort of be in your your best interest there with how long you have to hold the loan for. So I won't take up all your time there this morning. That should give you enough information to be able to get a start on this, to be able to review those insurances there. But is there a time that I could book you in there, Alan, to be able to complete that pre assessment there? Yeah. Sure. Yeah. Yep. Are you busy sort of most days, or are you free at the moment before you go away? At the moment, until this week, I should be all good until next week. Yeah. Just let me know. Advance. Yeah. Yeah. Yep. Let me just sort Yeah. of bring up Tomorrow or Monday. So Yep. So if I could sort of organize a time sometime tomorrow, you'd obviously be sort of in the mornings because we finished a little bit earlier on a Friday, so we probably wouldn't be able to get you in an afternoon. But tomorrow morning sometime would probably work out for you. Yeah. Yeah. Sure. Sure. The same time because I have to bring my kids at 08:30 WA time here. Okay. Not a problem. I can try and book you in there for the same time tomorrow there, Alan, just to go through that pre assessment process. Yep. Not a problem. But do you have any other questions for me before I let you go there today, Alan? Yeah.","start_word":4866,"end_word":5166,"sentiment":"neutral","sentiment_score":0.05878291665220577},{"text":"All good now.","start_word":5167,"end_word":5169,"sentiment":"positive","sentiment_score":0.39567604660987854},{"text":"I understand everything. Yep.","start_word":5170,"end_word":5173,"sentiment":"neutral","sentiment_score":0.28440314531326294},{"text":"Thank you. Perfect. Well, you enjoy the rest of your day. Thanks for your time this morning. I'll get a start on that for you just to review those things.","start_word":5174,"end_word":5203,"sentiment":"positive","sentiment_score":0.6244292855262756},{"text":"Yeah.","start_word":5204,"end_word":5204,"sentiment":"neutral","sentiment_score":0.2594716250896454},{"text":"You too. Thank you so much.","start_word":5205,"end_word":5210,"sentiment":"positive","sentiment_score":0.5274322032928467},{"text":"Yep.","start_word":5211,"end_word":5211,"sentiment":"neutral","sentiment_score":0.26839539408683777},{"text":"Thanks.","start_word":5212,"end_word":5212,"sentiment":"positive","sentiment_score":0.41949033737182617},{"text":"Bye now. Bye now.","start_word":5213,"end_word":5216,"sentiment":"neutral","sentiment_score":0.2146122455596924}],"average":{"sentiment":"neutral","sentiment_score":0.014954331928773384}}}}