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So I sent it to you maybe a couple hours ago, hour ago, something like that, in your email. Just wanted to get ahead of the curve. I've had back to back meetings all day. So I just wanted to make sure that they were in your inbox before I gave you a call so that way we could run through them together. Now don't be surprised. It probably had landed in your junk box because we are using a new system to issue documents. It's all sort of integrated within our CRM. And it seems that we they are landing in junk more so than not. So it oh, happiness. So if you open that, it's very similar to the system we used to use. It's a system that enables you to view and authorize documents all at the same time. So we'll run through it together. Now, I guess, before I do jump into it, too far into Sydney. I do want to call you to let you know that our calls are recorded. If I could just get you to confirm security for me, it's full name, date of birth at Yes. And address for me. Perfect. Alright. So the advice that we put together, nice and pretty straightforward, really, because you only really wanted to focus on, like, superannuation and the investment side. Now I did have a look at where everything is for yourself, and currently, you're in it's like a a hidden portfolio, I guess, we have. It's not something we advertise a lot of, and that's purely simply because not a lot of people are intuitive investors. So you have, like, geared assets in your current portfolio. You have Ggust, which is a geared, yeah, which is a geared asset. I can also see that, you know, you do have and you do trade yourself. You have assets and stocks that you personally manage and look after. So I whilst you did complete the investor risk profile with Danis, you came out as a little bit less of an aggressive in through that questionnaire. That questionnaire is only a tool, and it's a tool that I personally don't put a massive amount of stock in. The whole point of it is to basically enable an adviser and a and a client to have an intellectual conversation around investing, to be able to open up a client's purview into the world of investing and ultimately get the conversation going. Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix. You are currently kind of like that 120% invested because you've got geared assets. Right? Now I'm gonna take a leap and say that you understand exactly what gearing is and the way that you borrow money to invest. Obviously, the difference with this is is that you've put money into a fund that is doing the borrowing for you, and you're not actively borrowing. So little bit different to how you would normally gear an asset, but very, very much the same outcome. I very much wanted to keep to that same vein and keep you geared. So I have, in the investment structure wise, kept you in a in that G GAS and geared geared asset. What I have done, though, is I have flipped a lot of the assets, moved some of them to ETFs just for a cheaper cost basis, and it has had a historical better performance as well. So it's still keeping to that that very geared prospect, having that that one gearing. The one thing I guess I wasn't too sure of or wasn't too kind of wanting to push the boundary was whether we kind of go for a little bit more heavily into geared assets or whether you were comfortable keeping it at that sort of 20%. GUS does have a limit on how much you can invest. You can't put a 100% into GUS. The the trustees do obviously have limits because they have a duty to their clientele to make sure that they're not being reckless or unknowingly investing in something that, you know, could end up wrong. Superannuation is not something you day trade. It's a long term investment, and, obviously, it's something that you wanna have spread out and and invested in lots of different little pockets, which is exactly what I've done. So I guess if we were to go through the document together, I don't even have it open. I'm only doing this off the top of my head, which is terrible of me. Lucky I remember what I wrote. Hey. So what? Yes. Yeah. Sorry. So if you click on sign documents, so there's a bunch of attachments to the actual email, and they're all the supporting documents. So it's it's PDFs and stuff like that. Nothing exciting in there. Just documents that I do have to give you. If you go and if you go to sign yeah. Sign here or whatever it says, that actually brings up the actual statement advice that runs through everything. So it's just, you know, a casual 30 page document, which I'm if I could bring it down to one page, I would be much happier, but Asics doesn't like that. That. So the document, the first two pages basically details the document's a statement of advice. It's basically the crux of everything that we researched and did, that we do have a duty of care and duty of best interest to you. The scope of the advice is superannuation, and I did identify some estate planning that we sort of probably need to clean up a little bit. So we're not looking at your personal insurance because you're currently pretty happy with that. Now if we just kinda jump down because everything else is very much just the details we have on you. So it's got your have to be four. It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super. You have a very small accumulation benefit, but the total sitting around that is, like, $1.12. You currently got yeah. It will have gone up. We only have a statement from, like, 2021, but the military suit is not gonna change. Like, it's gonna obviously increase in value, but it's still a defined benefit. It's still a defined benefit. It's still a defined benefit. It's not like the need to launch from on the because it's physically not something I can do anything with. So it yeah. It's it is, you know, balance wise, a little bit out, but it's not something that's drastically causing me hurt. With your insurance, it's listed there. I did wanna include it so that way you still had a an open purview as to where it's at. So we're sitting at sort of 1.2 in the life TBD, and then we've got our IP sitting here at 6,985 a month. Now if we jump down to page 15, the rest of the document is basically these are the benefits of retaining your hub twenty four funds. These are the benefits of why I've given the advice, so on and so forth. And I definitely want you to read it, but I'm not gonna sit here and read it to you, and then we can just kind of talk about it and summarize it. So currently, like, just looking at this table, I know it looks a little bit confusing, but currently, you hold the top, like, eight assets. What I wanna do is sell out of those, like, five of those and buy into one of those being cash and buy into four others. So I wanna sell out of the battery and lithium, ACDC. I want to sell out of Asia, out of robotics and AI, and out of Bennelong, definitely. Now Bennelong is it's so Bennelong is an Australian equity fund. It is a they call it an actively managed fund, but it's not. It's actually a high conviction fund. So what the investment managers do is they basically pick assets that they have a high conviction rate that has has long term benefits to the shareholders. And their conviction rate is basically within a five year turnaround time, we're going to get x out of the fund. Now with their high conviction, obviously, because they have a five year turnaround, you wanna put stock in the conviction that the investment managers have made. Unfortunately, with COVID, their conviction did not come true. And then they have failed and continue to fail to make any changes to that those assets either. So the fund, whilst it has bounced since COVID, just hasn't really had any of the returns that we would hope within the five year time frame since that's happened. So it's very much an asset that we are moving away from. Even after meeting with Benelon and talking about their their Australian equity fund, they're still very much standing behind it and refusing to move. So we're just we're not backing it. We can get exposure elsewhere that doesn't have the same cost basis because it is an expensive fund to invest in. It's point nine of a percent of of an investment fee off the top of my head, which is quite quite high. Like, granted, you don't have like, you should have been invested, but it's not crazy, crazy high when you can, you know, consider it across a year. But it's still a bit expensive when we consider it, you know, over the long term. So I wanna move away from there, and what I wanna do is I wanna pull in other assets. So I wanna pull in some cybersecurity. I wanna pull in some Japanese assets. I wanna pull in, you know, other Australian assets and Vanguard assets and, you know, have exposure across the world. And from there, I wanna be able to just diversify us a little bit more, bring down the cost because they are apart from our G Gas, they are all. Yeah. So it's just gonna bring down that fee fee structure a little bit. I'm just looking at the the API R codes versus the investment names, and I've realized I've mixed some of them up. But that's okay. I can I'll send you a document that's corrected. I'm just looking at them, and I'm like I was like, that code is definitely does not correlate with that investment. That's what happens when I'm sitting down at 10:00 at night still writing stuff. It was two nights ago, but oh, I don't think I've made it twice. I've I'm sitting at twelve hours for the day so far, and this is probably gonna be my shortest day this week. I love what I do, but I'm very busy. Always. But at the same time, it's very enjoyable. Like so I'm the head of advice. So I actually like, I manage the advice team in terms of compliance and investment aspects, all that kind of stuff. So I don't always get the most amount of time to actually speak with a client. And I've spent the entire day today just speaking with clients, and it let's just say, cup very full. Yeah. So if you pop down to page 16, you can kinda see where the variance hits. So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets. So what our investment committee generally looks at is we look at a forty sixty split. Currently, you're sitting basically exactly within that realm of forty, sixty. I'm splitting it up a little bit. So I'm pulling a little bit into an outgrowth asset where you don't currently have anything. Still moving everything and keeping everything into the growth assets. But, you know, it it's very much still a 100% of it's going to be invested. Variance is totally normal. You're never going to have, like, an exact forty, sixty split. Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk. So what what this will do is it'll do exactly that. Now if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily. Currently, I would say you are sitting about a 120 probably more like a 110%, like, in your growth assets based on where we're sitting. If you wanna go a little bit heavier, we definitely can. It won't be in Giga, though. I would have to look at alternative geared assets to be able to to approach that market. There's very limited available within Hub twenty four, but there are still some other gearings that we can do. I don't I'm gonna be clear and say that I don't generally like going to oh my god. What are they called? Bit Bitcoin cryptocurrencies. I don't generally like going to crypto cryptocurrencies purely because they are too much of a risk. Hub twenty four do not invest in cryptocurrencies. They do, however, invest in the basically, the sites that support cryptocurrencies, like your current coin wallets and stuff like that. So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores. So if I'm going too far, let me know. But alpha and beta is basically any asset that's on the market is tested against similar assets. Right? So if you have Australian stocks, they're they're tested against other Australian stocks and so on and so forth. It's called a benchmark. So every asset has a benchmark that it's tested against. When it comes to an individual stock, it's tested against the benchmark and it get it gets an an alpha and a beta score. And that basically means how is the risk higher or lower than the benchmark, and then is the performance higher or lower than the benchmark. And, realistically, what you want is you want a high alpha, low beta asset. Low beta being that it's lower risk, high alpha being that it's higher performance. So we can definitely target assets that are, and these assets are very targeted towards already within the portfolio. Geoguss sitting a little bit outside of that. These assets are very much targeted towards that high alpha, low beta. Being that they're low cost, being the low beta, they are low risk. They're testing lower than what the benchmark is, but they are forming at a higher rate than what the benchmark is. Now we can still target assets along that range while aiming towards gearing. I wouldn't really wanna get anything more than 40% of the portfolio if you wanted to go more heavily into gearing. I am comfortable with where it's sitting now from an overall perspective, from a ongoing longer term outlook. Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller. I'm not sure which to say which way it would go with you geared. But we could definitely take the risk and gear it if you were willing to. Okay. That's absolutely fine. So cool. Okay. So what I can do is, a, I wanna fix up those figures, like, those API archives because they are really annoying me. I can't believe I actually mixed them all up. I'll fix those APIRs up, and what I'll do is I will look at pulling a little bit more into some gearing. What other avenues would you wanna look at if we did go down that? Like, do you wanna look at some cryptocurrency assets? Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent. No. No. How about what I'll do is I have to pick my kids up tonight. I know. Mother duty is outrageous. But once I settle myself down and sit down to work again tonight, I will email you through the couple of assets that are Bitcoin adjacent that Hub twenty four has within the funds that are available. I'll give you some information around them so that way we we can make a little bit more of an educated decision around how we can structure it. Yeah? Because I know there's two or three. Just can't remember off the top of my head. Good. I'm just not that good. Yeah. Yeah. A lot of the time, like, direct Bitcoin purchase, you're better off going straight from a coin wallet, like, direct just because a lot of your major players, like your super funds, stuff like that, do not allow direct purchase. They just they remove themselves from the risk because they like, Hub 20 4 and stuff. Yeah. Yeah. Okay. Yes. They yeah. They have platform fees. If you're looking for, like, an investment platform with, like, a really low cost fee for purchases, like that, anything like that. There is Superhero, I think it's called, which are really low cost. I'm just not sure whether they do have access to Bitcoin. But I can definitely have a quick look and yep. Yeah. That's fair. So you're you're you're Yeah. You're already pretty. Realistically, I'm I'm more of a try and keep it together ish type of person. Try and avoid having the 50,000 logins and forgetting access to them. The beta alpha split. Yeah. Yeah. Alright. Cool. Alright. And you're happy to target that, like, lower cost ETF to a degree. Like, majority of the fund is obviously ETF, so it's bringing the cost down already. Like, your cost savings off the top of my head, which I should remember already, go something from, like, a thousand dollars per annum in the investment fees down to something like 500. 1,000 one 100 and 2 down to 479. Oh, that was pretty good off the top of my head from two nights ago. It's your it's your you've been a you've been a long Australian equities because it's got such a high fee, and it does currently make up sort of, like, $40 of your fund or 30 something grand of your fund. So that that's why it it's quite high, and then also your ACDC is a little bit up there. That's one of the other ones that is a little bit on the higher side. Yes. So all of those coming off does definitely help to bring that cost down. And then secondarily to that, you know, spreading everything out. So I'll look at another even if I look at one or two more geared structures, see if we can slip them in as well and go from there. And what I'll do is once I get it all updated, which I will be able to do by, like, Monday, Tuesday next week. It should be back up easy. I'll do it over the weekend. I will just I'll send it through to you. I'll just correct it and send it through you, and I'll send you an email saying, hey. Take a look at the document. And I'm more than happy if you just wanna come back and say, hey. I wanna talk if you're not happy and sign it. The portfolio return is, like, over the last ten years, just over three points or 3%. Higher? Per like, year on year? Sorry? Oh. Oh, you're already, like, a thousand times. Well, you're way past me. Outside of that, the couple of things, I guess, I wanted to draw attention to were probably estate planning wise. As I understand, you are partnered. So defacto now. So there's a couple of avenues that we can definitely take. One, you have a lot of personal assets. They will all fall under your estate. All your your crypto, the cars, the everything like that, they fall under the estate. And I wanna make sure that we protect them. I wanna make sure that we get them to the right place that they need to go in the event that something happens to you. Because you're a a massing, a nice, healthy little egg. A will is gonna be the the way to proceed for all of those estate assets. You can do it a couple of different ways. Lawyer, you're looking at anywhere between sort of maybe 5 to $1,000 for a will and the power of attorney document. You can do it yourself through, like, will. You're looking at maybe a couple 100. And based on your current position, we're not gonna need a complex will. Like, we're not gonna need a trust or anything like that. If we're looking at yeah. We're looking at trust structures. We're looking at, like, $5 to set up a trust, but, otherwise, pretty low in in terms of cost. With your superannuation fund, there's one of two options you have available to you. You can either, a, have your superannuation fund form part of your estate, which means that your will is going to dictate where that money goes. It means that you can nominate whoever you want. So the best friend that you've had for the last twenty years can get the money from your super fund. Or the other option is is that you can nominate a direct person. The only people that are able to be nominated directly are spouses, so your partner, children, irrespective of the age that that child is, or a financial dependent, I e, if you and your best mate buy a house together, live together, and are and are relying on each other financially for as long as that financial relationship exists. So those are basically the three relationships that we can do direct through your super fund. And I wanna make sure that we set things up properly. Last time I acknowledge that you were extremely young, still important to have it set up. I have unfortunately lost quite a number of 30 year old clients in my decade. Yeah. Yeah. So do you have any concept as to who you would wanna nominate? Because I can get the beneficiary nomination form out to you and get that all hunkered down. And then it's just a matter of how you wanna proceed will wise with either a solicitor or personally. Yeah. In a will? Yeah. 100100%. I can't do your will, but your beneficiary nomination form, I can definitely do. I'm gonna be really clear with this. Your son is still really young. If you nominate your son, what you are doing is you are forcing additional paperwork on your partner. And what is gonna happen is your partner ends up with money anyway. Yep. Little bit. Yeah. Everyone tries to do it. Like, I want my want my children to have money as well. But, realistically, if something happens to you tomorrow, you know, as he would, your partner's gonna get it. Your partner's gonna use it to look after your child. If something happens to you in eighteen years and all of a sudden you've got a grown up child who's out there, you know, leaving a car and wherever else, 100%. And that's something we can update in couple decades time as life is on. You can go and do updates, and you can go, hey. Actually, now I wanna make sure that my kid has money as well. Or because your partner's always gonna be a tax free recipient of any superannuation and insurance funds, we keep it with your partner, and then you just trust and rely that your partner's gonna give a little bit of money to your kid. But that's a conversation for later us. Right now us, paperwork wise, it's quickest to get it straight to a bus stop and tax free and less of a headache. Yeah. Perfect. Do you want me to presale the details, or do you want me to just get your I'll I'll pop your details on the form. I'll send it to you, and you can put the details in. It's like full name, date of birth, address, which would be the same as your address. Yep. Cool. I'll I'll get that out of the house within the next couple days to you so that way that can be signed. It needs to be witnessed and not by your partner. Take it to work and get the mates at work to to witness, so that's fine. No. Not at all. No. You can do it behind the back. Just just you sign it and you get, like, two of them. I mean, it's probably nice to tell your partner that you're doing it, but they doesn't need to know. So outside of that, what I'll do is I'll rework the feedback just a little bit just to go a little heavier on the kid. I might just be doing a familiar with me. I just have this awful feeling. Not awful. It's pretty ebb feeling, really. You were gonna wanna go a little heavier. So I will get get that in, and then I'll I'll resend the documents to you. And I'll just flick you an email to say, hey. Have a look. Come look. Perfect. Did you have any other questions at all? No. That's okay. Not a problem at all. I will yeah. I'll be working and get that all out to you as early next week. No. Absolutely. My absolute pleasure, Michael. If you have any questions, give me a call or you'll have my email by this this evening. So flick me an email. Cool. Alright. Well, I'll let you go and enjoy your evening. Oh, I'll try. Thanks, Michael. 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Michael. Larissa from OC Financial. How are you going? Yeah. Good.\n\nThank you. I was just calling so I could go through the advice that I finalized put together. Amazing. So I sent it to you maybe a couple hours ago, hour ago, something like that, in your email. Just wanted to get ahead of the curve.\n\nI've had back to back meetings all day. So I just wanted to make sure that they were in your inbox before I gave you a call so that way we could run through them together. Now don't be surprised. It probably had landed in your junk box because we are using a new system to issue documents. It's all sort of integrated within our CRM.\n\nAnd it seems that we they are landing in junk more so than not. So it oh, happiness. So if you open that, it's very similar to the system we used to use. It's a system that enables you to view and authorize documents all at the same time. So we'll run through it together.\n\nNow, I guess, before I do jump into it, too far into Sydney. I do want to call you to let you know that our calls are recorded. If I could just get you to confirm security for me, it's full name, date of birth at Yes. And address for me. Perfect.\n\nAlright. So the advice that we put together, nice and pretty straightforward, really, because you only really wanted to focus on, like, superannuation and the investment side. Now I did have a look at where everything is for yourself, and currently, you're in it's like a a hidden portfolio, I guess, we have. It's not something we advertise a lot of, and that's purely simply because not a lot of people are intuitive investors. So you have, like, geared assets in your current portfolio.\n\nYou have Ggust, which is a geared, yeah, which is a geared asset. I can also see that, you know, you do have and you do trade yourself. You have assets and stocks that you personally manage and look after. So I whilst you did complete the investor risk profile with Danis, you came out as a little bit less of an aggressive in through that questionnaire. That questionnaire is only a tool, and it's a tool that I personally don't put a massive amount of stock in.\n\nThe whole point of it is to basically enable an adviser and a and a client to have an intellectual conversation around investing, to be able to open up a client's purview into the world of investing and ultimately get the conversation going. Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix. You are currently kind of like that 120% invested because you've got geared assets. Right? Now I'm gonna take a leap and say that you understand exactly what gearing is and the way that you borrow money to invest.\n\nObviously, the difference with this is is that you've put money into a fund that is doing the borrowing for you, and you're not actively borrowing. So little bit different to how you would normally gear an asset, but very, very much the same outcome. I very much wanted to keep to that same vein and keep you geared. So I have, in the investment structure wise, kept you in a in that G GAS and geared geared asset. What I have done, though, is I have flipped a lot of the assets, moved some of them to ETFs just for a cheaper cost basis, and it has had a historical better performance as well.\n\nSo it's still keeping to that that very geared prospect, having that that one gearing. The one thing I guess I wasn't too sure of or wasn't too kind of wanting to push the boundary was whether we kind of go for a little bit more heavily into geared assets or whether you were comfortable keeping it at that sort of 20%. GUS does have a limit on how much you can invest. You can't put a 100% into GUS. The the trustees do obviously have limits because they have a duty to their clientele to make sure that they're not being reckless or unknowingly investing in something that, you know, could end up wrong.\n\nSuperannuation is not something you day trade. It's a long term investment, and, obviously, it's something that you wanna have spread out and and invested in lots of different little pockets, which is exactly what I've done. So I guess if we were to go through the document together, I don't even have it open. I'm only doing this off the top of my head, which is terrible of me. Lucky I remember what I wrote.\n\nHey. So what? Yes. Yeah. Sorry.\n\nSo if you click on sign documents, so there's a bunch of attachments to the actual email, and they're all the supporting documents. So it's it's PDFs and stuff like that. Nothing exciting in there. Just documents that I do have to give you. If you go and if you go to sign yeah.\n\nSign here or whatever it says, that actually brings up the actual statement advice that runs through everything. So it's just, you know, a casual 30 page document, which I'm if I could bring it down to one page, I would be much happier, but Asics doesn't like that. That. So the document, the first two pages basically details the document's a statement of advice. It's basically the crux of everything that we researched and did, that we do have a duty of care and duty of best interest to you.\n\nThe scope of the advice is superannuation, and I did identify some estate planning that we sort of probably need to clean up a little bit. So we're not looking at your personal insurance because you're currently pretty happy with that. Now if we just kinda jump down because everything else is very much just the details we have on you. So it's got your have to be four. It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super.\n\nYou have a very small accumulation benefit, but the total sitting around that is, like, $1.12. You currently got yeah. It will have gone up. We only have a statement from, like, 2021, but the military suit is not gonna change. Like, it's gonna obviously increase in value, but it's still a defined benefit.\n\nIt's still a defined benefit. It's still a defined benefit. It's not like the need to launch from on the because it's physically not something I can do anything with. So it yeah. It's it is, you know, balance wise, a little bit out, but it's not something that's drastically causing me hurt.\n\nWith your insurance, it's listed there. I did wanna include it so that way you still had a an open purview as to where it's at. So we're sitting at sort of 1.2 in the life TBD, and then we've got our IP sitting here at 6,985 a month. Now if we jump down to page 15, the rest of the document is basically these are the benefits of retaining your hub twenty four funds. These are the benefits of why I've given the advice, so on and so forth.\n\nAnd I definitely want you to read it, but I'm not gonna sit here and read it to you, and then we can just kind of talk about it and summarize it. So currently, like, just looking at this table, I know it looks a little bit confusing, but currently, you hold the top, like, eight assets. What I wanna do is sell out of those, like, five of those and buy into one of those being cash and buy into four others. So I wanna sell out of the battery and lithium, ACDC. I want to sell out of Asia, out of robotics and AI, and out of Bennelong, definitely.\n\nNow Bennelong is it's so Bennelong is an Australian equity fund. It is a they call it an actively managed fund, but it's not. It's actually a high conviction fund. So what the investment managers do is they basically pick assets that they have a high conviction rate that has has long term benefits to the shareholders. And their conviction rate is basically within a five year turnaround time, we're going to get x out of the fund.\n\nNow with their high conviction, obviously, because they have a five year turnaround, you wanna put stock in the conviction that the investment managers have made. Unfortunately, with COVID, their conviction did not come true. And then they have failed and continue to fail to make any changes to that those assets either. So the fund, whilst it has bounced since COVID, just hasn't really had any of the returns that we would hope within the five year time frame since that's happened. So it's very much an asset that we are moving away from.\n\nEven after meeting with Benelon and talking about their their Australian equity fund, they're still very much standing behind it and refusing to move. So we're just we're not backing it. We can get exposure elsewhere that doesn't have the same cost basis because it is an expensive fund to invest in. It's point nine of a percent of of an investment fee off the top of my head, which is quite quite high. Like, granted, you don't have like, you should have been invested, but it's not crazy, crazy high when you can, you know, consider it across a year.\n\nBut it's still a bit expensive when we consider it, you know, over the long term. So I wanna move away from there, and what I wanna do is I wanna pull in other assets. So I wanna pull in some cybersecurity. I wanna pull in some Japanese assets. I wanna pull in, you know, other Australian assets and Vanguard assets and, you know, have exposure across the world.\n\nAnd from there, I wanna be able to just diversify us a little bit more, bring down the cost because they are apart from our G Gas, they are all. Yeah. So it's just gonna bring down that fee fee structure a little bit. I'm just looking at the the API R codes versus the investment names, and I've realized I've mixed some of them up. But that's okay.\n\nI can I'll send you a document that's corrected. I'm just looking at them, and I'm like I was like, that code is definitely does not correlate with that investment. That's what happens when I'm sitting down at 10:00 at night still writing stuff. It was two nights ago, but oh, I don't think I've made it twice. I've I'm sitting at twelve hours for the day so far, and this is probably gonna be my shortest day this week.\n\nI love what I do, but I'm very busy. Always. But at the same time, it's very enjoyable. Like so I'm the head of advice. So I actually like, I manage the advice team in terms of compliance and investment aspects, all that kind of stuff.\n\nSo I don't always get the most amount of time to actually speak with a client. And I've spent the entire day today just speaking with clients, and it let's just say, cup very full. Yeah. So if you pop down to page 16, you can kinda see where the variance hits. So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets.\n\nSo what our investment committee generally looks at is we look at a forty sixty split. Currently, you're sitting basically exactly within that realm of forty, sixty. I'm splitting it up a little bit. So I'm pulling a little bit into an outgrowth asset where you don't currently have anything. Still moving everything and keeping everything into the growth assets.\n\nBut, you know, it it's very much still a 100% of it's going to be invested. Variance is totally normal. You're never going to have, like, an exact forty, sixty split. Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk. So what what this will do is it'll do exactly that.\n\nNow if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily. Currently, I would say you are sitting about a 120 probably more like a 110%, like, in your growth assets based on where we're sitting. If you wanna go a little bit heavier, we definitely can. It won't be in Giga, though. I would have to look at alternative geared assets to be able to to approach that market.\n\nThere's very limited available within Hub twenty four, but there are still some other gearings that we can do. I don't I'm gonna be clear and say that I don't generally like going to oh my god. What are they called? Bit Bitcoin cryptocurrencies. I don't generally like going to crypto cryptocurrencies purely because they are too much of a risk.\n\nHub twenty four do not invest in cryptocurrencies. They do, however, invest in the basically, the sites that support cryptocurrencies, like your current coin wallets and stuff like that. So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores. So if I'm going too far, let me know. But alpha and beta is basically any asset that's on the market is tested against similar assets.\n\nRight? So if you have Australian stocks, they're they're tested against other Australian stocks and so on and so forth. It's called a benchmark. So every asset has a benchmark that it's tested against. When it comes to an individual stock, it's tested against the benchmark and it get it gets an an alpha and a beta score.\n\nAnd that basically means how is the risk higher or lower than the benchmark, and then is the performance higher or lower than the benchmark. And, realistically, what you want is you want a high alpha, low beta asset. Low beta being that it's lower risk, high alpha being that it's higher performance. So we can definitely target assets that are, and these assets are very targeted towards already within the portfolio. Geoguss sitting a little bit outside of that.\n\nThese assets are very much targeted towards that high alpha, low beta. Being that they're low cost, being the low beta, they are low risk. They're testing lower than what the benchmark is, but they are forming at a higher rate than what the benchmark is. Now we can still target assets along that range while aiming towards gearing. I wouldn't really wanna get anything more than 40% of the portfolio if you wanted to go more heavily into gearing.\n\nI am comfortable with where it's sitting now from an overall perspective, from a ongoing longer term outlook. Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller. I'm not sure which to say which way it would go with you geared. But we could definitely take the risk and gear it if you were willing to. Okay.\n\nThat's absolutely fine. So cool. Okay. So what I can do is, a, I wanna fix up those figures, like, those API archives because they are really annoying me. I can't believe I actually mixed them all up.\n\nI'll fix those APIRs up, and what I'll do is I will look at pulling a little bit more into some gearing. What other avenues would you wanna look at if we did go down that? Like, do you wanna look at some cryptocurrency assets? Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent. No.\n\nNo. How about what I'll do is I have to pick my kids up tonight. I know. Mother duty is outrageous. But once I settle myself down and sit down to work again tonight, I will email you through the couple of assets that are Bitcoin adjacent that Hub twenty four has within the funds that are available.\n\nI'll give you some information around them so that way we we can make a little bit more of an educated decision around how we can structure it. Yeah? Because I know there's two or three. Just can't remember off the top of my head. Good.\n\nI'm just not that good. Yeah. Yeah. A lot of the time, like, direct Bitcoin purchase, you're better off going straight from a coin wallet, like, direct just because a lot of your major players, like your super funds, stuff like that, do not allow direct purchase. They just they remove themselves from the risk because they like, Hub 20 4 and stuff.\n\nYeah. Yeah. Okay. Yes. They yeah.\n\nThey have platform fees. If you're looking for, like, an investment platform with, like, a really low cost fee for purchases, like that, anything like that. There is Superhero, I think it's called, which are really low cost. I'm just not sure whether they do have access to Bitcoin. But I can definitely have a quick look and yep.\n\nYeah. That's fair. So you're you're you're Yeah. You're already pretty. Realistically, I'm I'm more of a try and keep it together ish type of person.\n\nTry and avoid having the 50,000 logins and forgetting access to them. The beta alpha split. Yeah. Yeah. Alright.\n\nCool. Alright. And you're happy to target that, like, lower cost ETF to a degree. Like, majority of the fund is obviously ETF, so it's bringing the cost down already. Like, your cost savings off the top of my head, which I should remember already, go something from, like, a thousand dollars per annum in the investment fees down to something like 500.\n\n1,000 one 100 and 2 down to 479. Oh, that was pretty good off the top of my head from two nights ago. It's your it's your you've been a you've been a long Australian equities because it's got such a high fee, and it does currently make up sort of, like, $40 of your fund or 30 something grand of your fund. So that that's why it it's quite high, and then also your ACDC is a little bit up there. That's one of the other ones that is a little bit on the higher side.\n\nYes. So all of those coming off does definitely help to bring that cost down. And then secondarily to that, you know, spreading everything out. So I'll look at another even if I look at one or two more geared structures, see if we can slip them in as well and go from there. And what I'll do is once I get it all updated, which I will be able to do by, like, Monday, Tuesday next week.\n\nIt should be back up easy. I'll do it over the weekend. I will just I'll send it through to you. I'll just correct it and send it through you, and I'll send you an email saying, hey. Take a look at the document.\n\nAnd I'm more than happy if you just wanna come back and say, hey. I wanna talk if you're not happy and sign it. The portfolio return is, like, over the last ten years, just over three points or 3%. Higher? Per like, year on year?\n\nSorry? Oh. Oh, you're already, like, a thousand times. Well, you're way past me. Outside of that, the couple of things, I guess, I wanted to draw attention to were probably estate planning wise.\n\nAs I understand, you are partnered. So defacto now. So there's a couple of avenues that we can definitely take. One, you have a lot of personal assets. They will all fall under your estate.\n\nAll your your crypto, the cars, the everything like that, they fall under the estate. And I wanna make sure that we protect them. I wanna make sure that we get them to the right place that they need to go in the event that something happens to you. Because you're a a massing, a nice, healthy little egg. A will is gonna be the the way to proceed for all of those estate assets.\n\nYou can do it a couple of different ways. Lawyer, you're looking at anywhere between sort of maybe 5 to $1,000 for a will and the power of attorney document. You can do it yourself through, like, will. You're looking at maybe a couple 100. And based on your current position, we're not gonna need a complex will.\n\nLike, we're not gonna need a trust or anything like that. If we're looking at yeah. We're looking at trust structures. We're looking at, like, $5 to set up a trust, but, otherwise, pretty low in in terms of cost. With your superannuation fund, there's one of two options you have available to you.\n\nYou can either, a, have your superannuation fund form part of your estate, which means that your will is going to dictate where that money goes. It means that you can nominate whoever you want. So the best friend that you've had for the last twenty years can get the money from your super fund. Or the other option is is that you can nominate a direct person. The only people that are able to be nominated directly are spouses, so your partner, children, irrespective of the age that that child is, or a financial dependent, I e, if you and your best mate buy a house together, live together, and are and are relying on each other financially for as long as that financial relationship exists.\n\nSo those are basically the three relationships that we can do direct through your super fund. And I wanna make sure that we set things up properly. Last time I acknowledge that you were extremely young, still important to have it set up. I have unfortunately lost quite a number of 30 year old clients in my decade. Yeah.\n\nYeah. So do you have any concept as to who you would wanna nominate? Because I can get the beneficiary nomination form out to you and get that all hunkered down. And then it's just a matter of how you wanna proceed will wise with either a solicitor or personally. Yeah.\n\nIn a will? Yeah. 100100%. I can't do your will, but your beneficiary nomination form, I can definitely do. I'm gonna be really clear with this.\n\nYour son is still really young. If you nominate your son, what you are doing is you are forcing additional paperwork on your partner. And what is gonna happen is your partner ends up with money anyway. Yep. Little bit.\n\nYeah. Everyone tries to do it. Like, I want my want my children to have money as well. But, realistically, if something happens to you tomorrow, you know, as he would, your partner's gonna get it. Your partner's gonna use it to look after your child.\n\nIf something happens to you in eighteen years and all of a sudden you've got a grown up child who's out there, you know, leaving a car and wherever else, 100%. And that's something we can update in couple decades time as life is on. You can go and do updates, and you can go, hey. Actually, now I wanna make sure that my kid has money as well. Or because your partner's always gonna be a tax free recipient of any superannuation and insurance funds, we keep it with your partner, and then you just trust and rely that your partner's gonna give a little bit of money to your kid.\n\nBut that's a conversation for later us. Right now us, paperwork wise, it's quickest to get it straight to a bus stop and tax free and less of a headache. Yeah. Perfect. Do you want me to presale the details, or do you want me to just get your I'll I'll pop your details on the form.\n\nI'll send it to you, and you can put the details in. It's like full name, date of birth, address, which would be the same as your address. Yep. Cool. I'll I'll get that out of the house within the next couple days to you so that way that can be signed.\n\nIt needs to be witnessed and not by your partner. Take it to work and get the mates at work to to witness, so that's fine. No. Not at all. No.\n\nYou can do it behind the back. Just just you sign it and you get, like, two of them. I mean, it's probably nice to tell your partner that you're doing it, but they doesn't need to know. So outside of that, what I'll do is I'll rework the feedback just a little bit just to go a little heavier on the kid. I might just be doing a familiar with me.\n\nI just have this awful feeling. Not awful. It's pretty ebb feeling, really. You were gonna wanna go a little heavier. So I will get get that in, and then I'll I'll resend the documents to you.\n\nAnd I'll just flick you an email to say, hey. Have a look. Come look. Perfect. Did you have any other questions at all?\n\nNo. That's okay. Not a problem at all. I will yeah. I'll be working and get that all out to you as early next week.\n\nNo. Absolutely. My absolute pleasure, Michael. If you have any questions, give me a call or you'll have my email by this this evening. So flick me an email.\n\nCool. Alright. Well, I'll let you go and enjoy your evening. Oh, I'll try. Thanks, Michael.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Michael.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.12639732658863068},{"text":"Larissa from OC Financial.","start":3.84,"end":5.12,"sentiment":"neutral","sentiment_score":0.15281996130943298},{"text":"How are you going?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.19137796759605408},{"text":"Yeah.","start":8.559999,"end":8.96,"sentiment":"neutral","sentiment_score":0.2902819812297821},{"text":"Good.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.5120862722396851}],"sentiment":"neutral","sentiment_score":0.2026628851890564,"num_words":12,"start":3.04,"end":9.46},{"sentences":[{"text":"Thank you.","start":9.5199995,"end":10.42,"sentiment":"positive","sentiment_score":0.6020640432834625},{"text":"I was just calling so I could go through the advice that I finalized put together.","start":10.719999,"end":15.205,"sentiment":"neutral","sentiment_score":0.2845265259966254},{"text":"Amazing.","start":17.425,"end":17.925,"sentiment":"positive","sentiment_score":0.5551414489746094},{"text":"So I sent it to you maybe a couple hours ago, hour ago, something like that, in your email.","start":18.465,"end":26.625,"sentiment":"neutral","sentiment_score":0.15739535657983078},{"text":"Just wanted to get ahead of the curve.","start":26.625,"end":28.225,"sentiment":"positive","sentiment_score":0.3762654885649681}],"sentiment":"neutral","sentiment_score":0.2676593398918276,"num_words":46,"start":9.5199995,"end":28.225},{"sentences":[{"text":"I've had back to back meetings all day.","start":28.225,"end":30.560001,"sentiment":"neutral","sentiment_score":0.10987001936882734},{"text":"So I just wanted to make sure that they were in your inbox before I gave you a call so that way we could run through them together.","start":30.78,"end":37.760002,"sentiment":"neutral","sentiment_score":0.16510428062507085},{"text":"Now don't be surprised.","start":38.06,"end":39.34,"sentiment":"neutral","sentiment_score":-0.12288218922913074},{"text":"It probably had landed in your junk box because we are using a new system to issue documents.","start":39.34,"end":45.825,"sentiment":"neutral","sentiment_score":-0.3006214689877298},{"text":"It's all sort of integrated within our CRM.","start":45.825,"end":47.925,"sentiment":"neutral","sentiment_score":-0.1572317834943533}],"sentiment":"neutral","sentiment_score":-0.02513165839693763,"num_words":66,"start":28.225,"end":47.925},{"sentences":[{"text":"And it seems that we they are landing in junk more so than not.","start":49.425,"end":53.265,"sentiment":"neutral","sentiment_score":-0.33153230058295385},{"text":"So it oh, happiness.","start":53.265,"end":57.86,"sentiment":"neutral","sentiment_score":0.2975588124245405},{"text":"So if you open that, it's very similar to the system we used to use.","start":60.16,"end":65.44,"sentiment":"neutral","sentiment_score":0.07667005235950151},{"text":"It's a system that enables you to view and authorize documents all at the same time.","start":65.44,"end":70.975,"sentiment":"neutral","sentiment_score":0.15726575488224626},{"text":"So we'll run through it together.","start":71.515,"end":73.775,"sentiment":"neutral","sentiment_score":0.1250770352780819}],"sentiment":"neutral","sentiment_score":0.017555420303886588,"num_words":55,"start":49.425,"end":73.775},{"sentences":[{"text":"Now, I guess, before I do jump into it, too far into Sydney.","start":75.835,"end":79.935,"sentiment":"neutral","sentiment_score":0.021622313902928278},{"text":"I do want to call you to let you know that our calls are recorded.","start":80.235,"end":82.815,"sentiment":"neutral","sentiment_score":0.05662069320678711},{"text":"If I could just get you to confirm security for me, it's full name, date of birth at Yes.","start":83.5,"end":90.37333,"sentiment":"neutral","sentiment_score":0.04384658064105009},{"text":"And address for me.","start":95.1,"end":96.105,"sentiment":"neutral","sentiment_score":0.014326995704323053},{"text":"Perfect.","start":102.025,"end":102.525,"sentiment":"positive","sentiment_score":0.3396652638912201}],"sentiment":"neutral","sentiment_score":0.04539343764862189,"num_words":52,"start":75.835,"end":102.525},{"sentences":[{"text":"Alright.","start":102.825005,"end":103.325005,"sentiment":"neutral","sentiment_score":0.2073802947998047},{"text":"So the advice that we put together, nice and pretty straightforward, really, because you only really wanted to focus on, like, superannuation and the investment side.","start":104.265,"end":115.76,"sentiment":"neutral","sentiment_score":0.20648827403783798},{"text":"Now I did have a look at where everything is for yourself, and currently, you're in it's like a a hidden portfolio, I guess, we have.","start":116.7,"end":131.175,"sentiment":"neutral","sentiment_score":0.026946944041320912},{"text":"It's not something we advertise a lot of, and that's purely simply because not a lot of people are intuitive investors.","start":132.275,"end":143.62001,"sentiment":"neutral","sentiment_score":0.014092248642728442},{"text":"So you have, like, geared assets in your current portfolio.","start":144.72,"end":147.68001,"sentiment":"neutral","sentiment_score":0.04179032385582104}],"sentiment":"neutral","sentiment_score":0.08322067172516004,"num_words":84,"start":102.825005,"end":147.68001},{"sentences":[{"text":"You have Ggust, which is a geared, yeah, which is a geared asset.","start":147.68001,"end":151.755,"sentiment":"neutral","sentiment_score":0.21874085699136442},{"text":"I can also see that, you know, you do have and you do trade yourself.","start":152.63501,"end":156.875,"sentiment":"positive","sentiment_score":0.3357181042432785},{"text":"You have assets and stocks that you personally manage and look after.","start":156.875,"end":160.255,"sentiment":"neutral","sentiment_score":0.2951225017507871},{"text":"So I whilst you did complete the investor risk profile with Danis, you came out as a little bit less of an aggressive in through that questionnaire.","start":161.435,"end":171.18,"sentiment":"neutral","sentiment_score":0.07517767656180593},{"text":"That questionnaire is only a tool, and it's a tool that I personally don't put a massive amount of stock in.","start":171.64,"end":179.415,"sentiment":"neutral","sentiment_score":0.0741599535658246}],"sentiment":"neutral","sentiment_score":0.17054578429087996,"num_words":88,"start":147.68001,"end":179.415},{"sentences":[{"text":"The whole point of it is to basically enable an adviser and a and a client to have an intellectual conversation around investing, to be able to open up a client's purview into the world of investing and ultimately get the conversation going.","start":180.375,"end":198.51,"sentiment":"positive","sentiment_score":0.5107047041488249},{"text":"Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix.","start":200.48999,"end":216.115,"sentiment":"neutral","sentiment_score":0.1324299704283476},{"text":"You are currently kind of like that 120% invested because you've got geared assets.","start":217.775,"end":223.43,"sentiment":"neutral","sentiment_score":0.29757609750543323},{"text":"Right?","start":223.43,"end":223.93,"sentiment":"neutral","sentiment_score":0.14118170738220215},{"text":"Now I'm gonna take a leap and say that you understand exactly what gearing is and the way that you borrow money to invest.","start":227.90999,"end":233.37,"sentiment":"neutral","sentiment_score":0.07287870828683178}],"sentiment":"neutral","sentiment_score":0.30063958586577105,"num_words":102,"start":180.375,"end":233.37},{"sentences":[{"text":"Obviously, the difference with this is is that you've put money into a fund that is doing the borrowing for you, and you're not actively borrowing.","start":235.045,"end":243.065,"sentiment":"neutral","sentiment_score":0.04794030856842605},{"text":"So little bit different to how you would normally gear an asset, but very, very much the same outcome.","start":244.725,"end":251.13,"sentiment":"neutral","sentiment_score":0.13147862451641182},{"text":"I very much wanted to keep to that same vein and keep you geared.","start":252.31,"end":256.89,"sentiment":"positive","sentiment_score":0.4961834507329123},{"text":"So I have, in the investment structure wise, kept you in a in that G GAS and geared geared asset.","start":257.43,"end":264.41,"sentiment":"positive","sentiment_score":0.4104543298482895},{"text":"What I have done, though, is I have flipped a lot of the assets, moved some of them to ETFs just for a cheaper cost basis, and it has had a historical better performance as well.","start":265.115,"end":280.08,"sentiment":"positive","sentiment_score":0.4035605928964085}],"sentiment":"neutral","sentiment_score":0.290681549044245,"num_words":115,"start":235.045,"end":280.08},{"sentences":[{"text":"So it's still keeping to that that very geared prospect, having that that one gearing.","start":280.15997,"end":287.46,"sentiment":"positive","sentiment_score":0.3677437001218398},{"text":"The one thing I guess I wasn't too sure of or wasn't too kind of wanting to push the boundary was whether we kind of go for a little bit more heavily into geared assets or whether you were comfortable keeping it at that sort of 20%.","start":287.84,"end":302.355,"sentiment":"neutral","sentiment_score":-0.020974543183407884},{"text":"GUS does have a limit on how much you can invest.","start":303.375,"end":305.73,"sentiment":"neutral","sentiment_score":-0.1060917665335265},{"text":"You can't put a 100% into GUS.","start":306.05002,"end":307.99002,"sentiment":"neutral","sentiment_score":-0.14313019386359624},{"text":"The the trustees do obviously have limits because they have a duty to their clientele to make sure that they're not being reckless or unknowingly investing in something that, you know, could end up wrong.","start":308.05002,"end":322.35498,"sentiment":"neutral","sentiment_score":-0.16282973821674074}],"sentiment":"neutral","sentiment_score":-0.02902269264602143,"num_words":115,"start":280.15997,"end":322.35498},{"sentences":[{"text":"Superannuation is not something you day trade.","start":323.13498,"end":326.19498,"sentiment":"neutral","sentiment_score":-0.01156206029866423},{"text":"It's a long term investment, and, obviously, it's something that you wanna have spread out and and invested in lots of different little pockets, which is exactly what I've done.","start":326.335,"end":335.36002,"sentiment":"neutral","sentiment_score":0.13347082883119582},{"text":"So I guess if we were to go through the document together, I don't even have it open.","start":336.06,"end":339.66,"sentiment":"negative","sentiment_score":-0.3755438104271889},{"text":"I'm only doing this off the top of my head, which is terrible of me.","start":339.66,"end":343.52,"sentiment":"negative","sentiment_score":-0.6637970924377441},{"text":"Lucky I remember what I wrote.","start":346.45502,"end":347.815,"sentiment":"neutral","sentiment_score":-0.0710764229297638}],"sentiment":"neutral","sentiment_score":-0.17394754038143315,"num_words":76,"start":323.13498,"end":347.815},{"sentences":[{"text":"Hey.","start":347.815,"end":348.315,"sentiment":"neutral","sentiment_score":0.11731617152690887},{"text":"So what?","start":351.095,"end":352.155,"sentiment":"neutral","sentiment_score":0.0023076017387211323},{"text":"Yes.","start":356.215,"end":356.715,"sentiment":"neutral","sentiment_score":-0.002976156771183014},{"text":"Yeah.","start":356.775,"end":357.095,"sentiment":"neutral","sentiment_score":-0.022367840632796288},{"text":"Sorry.","start":357.095,"end":357.415,"sentiment":"neutral","sentiment_score":-0.04450833052396774}],"sentiment":"neutral","sentiment_score":0.008679841179400682,"num_words":6,"start":347.815,"end":357.415},{"sentences":[{"text":"So if you click on sign documents, so there's a bunch of attachments to the actual email, and they're all the supporting documents.","start":357.415,"end":363.15,"sentiment":"neutral","sentiment_score":-0.03104061592856179},{"text":"So it's it's PDFs and stuff like that.","start":363.15,"end":365.55,"sentiment":"neutral","sentiment_score":-0.048702497966587543},{"text":"Nothing exciting in there.","start":365.55,"end":367.25,"sentiment":"neutral","sentiment_score":-0.10880232602357864},{"text":"Just documents that I do have to give you.","start":367.38998,"end":369.47,"sentiment":"neutral","sentiment_score":0.025985414783159893},{"text":"If you go and if you go to sign yeah.","start":369.47,"end":371.95,"sentiment":"neutral","sentiment_score":0.011885194573551416}],"sentiment":"neutral","sentiment_score":-0.021963755099999684,"num_words":54,"start":357.415,"end":371.95},{"sentences":[{"text":"Sign here or whatever it says, that actually brings up the actual statement advice that runs through everything.","start":371.95,"end":380.575,"sentiment":"neutral","sentiment_score":0.016996571587191686},{"text":"So it's just, you know, a casual 30 page document, which I'm if I could bring it down to one page, I would be much happier, but Asics doesn't like that.","start":381.11502,"end":391.61502,"sentiment":"neutral","sentiment_score":-0.12226976307048913},{"text":"That.","start":393.57,"end":393.65002,"sentiment":"neutral","sentiment_score":-0.08053280413150787},{"text":"So the document, the first two pages basically details the document's a statement of advice.","start":393.65002,"end":399.97,"sentiment":"neutral","sentiment_score":0.0027345897629857062},{"text":"It's basically the crux of everything that we researched and did, that we do have a duty of care and duty of best interest to you.","start":399.97,"end":408.095,"sentiment":"neutral","sentiment_score":0.06253935282046978}],"sentiment":"neutral","sentiment_score":-0.020856210450222203,"num_words":91,"start":371.95,"end":408.095},{"sentences":[{"text":"The scope of the advice is superannuation, and I did identify some estate planning that we sort of probably need to clean up a little bit.","start":408.095,"end":414.595,"sentiment":"neutral","sentiment_score":-0.0015712116773311908},{"text":"So we're not looking at your personal insurance because you're currently pretty happy with that.","start":416.175,"end":422.16998,"sentiment":"neutral","sentiment_score":-0.00888792739957959},{"text":"Now if we just kinda jump down because everything else is very much just the details we have on you.","start":422.16998,"end":429.21,"sentiment":"neutral","sentiment_score":0.10101437009871006},{"text":"So it's got your have to be four.","start":429.21,"end":431.44998,"sentiment":"neutral","sentiment_score":0.0812154496088624},{"text":"It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super.","start":431.44998,"end":440.66498,"sentiment":"neutral","sentiment_score":0.13267154577705595}],"sentiment":"neutral","sentiment_score":0.06925729744966486,"num_words":105,"start":408.095,"end":440.66498},{"sentences":[{"text":"You have a very small accumulation benefit, but the total sitting around that is, like, $1.12.","start":440.805,"end":445.705,"sentiment":"neutral","sentiment_score":0.056479422841221094},{"text":"You currently got yeah.","start":446.1,"end":454.74,"sentiment":"neutral","sentiment_score":0.004848023410886526},{"text":"It will have gone up.","start":454.74,"end":456.12,"sentiment":"neutral","sentiment_score":0.008606777340173722},{"text":"We only have a statement from, like, 2021, but the military suit is not gonna change.","start":456.98,"end":464.76498,"sentiment":"neutral","sentiment_score":-0.063716258155182},{"text":"Like, it's gonna obviously increase in value, but it's still a defined benefit.","start":464.82498,"end":469.21255,"sentiment":"neutral","sentiment_score":0.023206070352059145}],"sentiment":"neutral","sentiment_score":0.0045984357388483155,"num_words":54,"start":440.805,"end":469.21255},{"sentences":[{"text":"It's still a defined benefit.","start":469.21255,"end":469.21698,"sentiment":"neutral","sentiment_score":0.08350316360592842},{"text":"It's still a defined benefit.","start":469.21698,"end":469.22144,"sentiment":"neutral","sentiment_score":0.07767729833722115},{"text":"It's not like the need to launch from on the because it's physically not something I can do anything with.","start":469.22144,"end":480.66,"sentiment":"neutral","sentiment_score":-0.09960567820817232},{"text":"So it yeah.","start":482.16,"end":483.6,"sentiment":"neutral","sentiment_score":0.05124273772041003},{"text":"It's it is, you know, balance wise, a little bit out, but it's not something that's drastically causing me hurt.","start":483.6,"end":490.425,"sentiment":"neutral","sentiment_score":-0.17825054613058455}],"sentiment":"neutral","sentiment_score":-0.08674516913015395,"num_words":53,"start":469.21255,"end":490.425},{"sentences":[{"text":"With your insurance, it's listed there.","start":492.72498,"end":495.365,"sentiment":"neutral","sentiment_score":0.05262082008024057},{"text":"I did wanna include it so that way you still had a an open purview as to where it's at.","start":495.365,"end":499.44498,"sentiment":"neutral","sentiment_score":0.14455714905634523},{"text":"So we're sitting at sort of 1.2 in the life TBD, and then we've got our IP sitting here at 6,985 a month.","start":499.44498,"end":507.44,"sentiment":"neutral","sentiment_score":0.007013897330540678},{"text":"Now if we jump down to page 15, the rest of the document is basically these are the benefits of retaining your hub twenty four funds.","start":510.62,"end":527.115,"sentiment":"neutral","sentiment_score":0.1001567466614338},{"text":"These are the benefits of why I've given the advice, so on and so forth.","start":527.115,"end":531.53,"sentiment":"neutral","sentiment_score":0.13415223310391108}],"sentiment":"neutral","sentiment_score":0.0887171827774081,"num_words":90,"start":492.72498,"end":531.53},{"sentences":[{"text":"And I definitely want you to read it, but I'm not gonna sit here and read it to you, and then we can just kind of talk about it and summarize it.","start":531.63,"end":540.37,"sentiment":"neutral","sentiment_score":0.007026656647212803},{"text":"So currently, like, just looking at this table, I know it looks a little bit confusing, but currently, you hold the top, like, eight assets.","start":540.83,"end":552.58496,"sentiment":"neutral","sentiment_score":0.0036386380717158317},{"text":"What I wanna do is sell out of those, like, five of those and buy into one of those being cash and buy into four others.","start":553.445,"end":563.26996,"sentiment":"neutral","sentiment_score":0.045052486543472},{"text":"So I wanna sell out of the battery and lithium, ACDC.","start":564.05,"end":570.47,"sentiment":"neutral","sentiment_score":0.04826833578673276},{"text":"I want to sell out of Asia, out of robotics and AI, and out of Bennelong, definitely.","start":571.97,"end":582.59503,"sentiment":"neutral","sentiment_score":0.1646682041532853}],"sentiment":"neutral","sentiment_score":0.0434008538639089,"num_words":111,"start":531.63,"end":582.59503},{"sentences":[{"text":"Now Bennelong is it's so Bennelong is an Australian equity fund.","start":584.495,"end":591.39,"sentiment":"neutral","sentiment_score":0.07231000235134905},{"text":"It is a they call it an actively managed fund, but it's not.","start":592.25,"end":598.41,"sentiment":"neutral","sentiment_score":0.04632261975740011},{"text":"It's actually a high conviction fund.","start":598.41,"end":600.67,"sentiment":"neutral","sentiment_score":0.059974257523814835},{"text":"So what the investment managers do is they basically pick assets that they have a high conviction rate that has has long term benefits to the shareholders.","start":600.945,"end":612.48505,"sentiment":"neutral","sentiment_score":0.10307012512176125},{"text":"And their conviction rate is basically within a five year turnaround time, we're going to get x out of the fund.","start":613.38,"end":618.92004,"sentiment":"neutral","sentiment_score":0.03165006841577235}],"sentiment":"neutral","sentiment_score":0.06673069798554747,"num_words":78,"start":584.495,"end":618.92004},{"sentences":[{"text":"Now with their high conviction, obviously, because they have a five year turnaround, you wanna put stock in the conviction that the investment managers have made.","start":619.62,"end":627.465,"sentiment":"neutral","sentiment_score":0.06643987490007511},{"text":"Unfortunately, with COVID, their conviction did not come true.","start":628.42505,"end":632.28503,"sentiment":"negative","sentiment_score":-0.5717015730010139},{"text":"And then they have failed and continue to fail to make any changes to that those assets either.","start":633.22504,"end":638.84503,"sentiment":"negative","sentiment_score":-0.5655082331763374},{"text":"So the fund, whilst it has bounced since COVID, just hasn't really had any of the returns that we would hope within the five year time frame since that's happened.","start":639.145,"end":649.17,"sentiment":"negative","sentiment_score":-0.4105340490738551},{"text":"So it's very much an asset that we are moving away from.","start":650.03,"end":653.09,"sentiment":"negative","sentiment_score":-0.43449487537145615}],"sentiment":"neutral","sentiment_score":-0.32765247982583545,"num_words":95,"start":619.62,"end":653.09},{"sentences":[{"text":"Even after meeting with Benelon and talking about their their Australian equity fund, they're still very much standing behind it and refusing to move.","start":653.47003,"end":660.985,"sentiment":"negative","sentiment_score":-0.4173268104592959},{"text":"So we're just we're not backing it.","start":662.245,"end":664.185,"sentiment":"neutral","sentiment_score":-0.240548951285226},{"text":"We can get exposure elsewhere that doesn't have the same cost basis because it is an expensive fund to invest in.","start":666.165,"end":674.3,"sentiment":"negative","sentiment_score":-0.36594845212641214},{"text":"It's point nine of a percent of of an investment fee off the top of my head, which is quite quite high.","start":674.3,"end":682.14,"sentiment":"neutral","sentiment_score":-0.2062848840247501},{"text":"Like, granted, you don't have like, you should have been invested, but it's not crazy, crazy high when you can, you know, consider it across a year.","start":682.14,"end":690.425,"sentiment":"neutral","sentiment_score":-0.019819748380945787}],"sentiment":"neutral","sentiment_score":-0.24215845801489483,"num_words":101,"start":653.47003,"end":690.425},{"sentences":[{"text":"But it's still a bit expensive when we consider it, you know, over the long term.","start":690.425,"end":695.805,"sentiment":"neutral","sentiment_score":-0.2774914372712374},{"text":"So I wanna move away from there, and what I wanna do is I wanna pull in other assets.","start":698.73004,"end":703.95,"sentiment":"neutral","sentiment_score":0.030338367349223086},{"text":"So I wanna pull in some cybersecurity.","start":704.01,"end":706.59,"sentiment":"neutral","sentiment_score":0.13716281950473785},{"text":"I wanna pull in some Japanese assets.","start":707.05005,"end":711.77,"sentiment":"neutral","sentiment_score":0.1297492172036852},{"text":"I wanna pull in, you know, other Australian assets and Vanguard assets and, you know, have exposure across the world.","start":711.77,"end":722.195,"sentiment":"neutral","sentiment_score":0.1508493572473526}],"sentiment":"neutral","sentiment_score":0.01481068674205006,"num_words":69,"start":690.425,"end":722.195},{"sentences":[{"text":"And from there, I wanna be able to just diversify us a little bit more, bring down the cost because they are apart from our G Gas, they are all.","start":723.21497,"end":733.77,"sentiment":"neutral","sentiment_score":0.23321133852005005},{"text":"Yeah.","start":746.465,"end":746.965,"sentiment":"neutral","sentiment_score":0.18593254685401917},{"text":"So it's just gonna bring down that fee fee structure a little bit.","start":747.585,"end":751.125,"sentiment":"neutral","sentiment_score":0.2519141871195573},{"text":"I'm just looking at the the API R codes versus the investment names, and I've realized I've mixed some of them up.","start":751.185,"end":757.04,"sentiment":"neutral","sentiment_score":0.05936416801573201},{"text":"But that's okay.","start":757.04,"end":759.14,"sentiment":"neutral","sentiment_score":0.08440096924702327}],"sentiment":"neutral","sentiment_score":0.17415031505937595,"num_words":69,"start":723.21497,"end":759.14},{"sentences":[{"text":"I can I'll send you a document that's corrected.","start":760.07996,"end":762.72,"sentiment":"neutral","sentiment_score":0.10504658685790168},{"text":"I'm just looking at them, and I'm like I was like, that code is definitely does not correlate with that investment.","start":762.72,"end":769.305,"sentiment":"neutral","sentiment_score":0.031099142063231694},{"text":"That's what happens when I'm sitting down at 10:00 at night still writing stuff.","start":771.445,"end":775.005,"sentiment":"neutral","sentiment_score":-0.03151384395148073},{"text":"It was two nights ago, but oh, I don't think I've made it twice.","start":775.005,"end":781.7,"sentiment":"neutral","sentiment_score":-0.13022811471351556},{"text":"I've I'm sitting at twelve hours for the day so far, and this is probably gonna be my shortest day this week.","start":783.44,"end":789.7,"sentiment":"neutral","sentiment_score":-0.22178625654090534}],"sentiment":"neutral","sentiment_score":-0.06931479750201106,"num_words":80,"start":760.07996,"end":789.7},{"sentences":[{"text":"I love what I do, but I'm very busy.","start":790.4,"end":793.86005,"sentiment":"neutral","sentiment_score":0.1734771387030681},{"text":"Always.","start":798.375,"end":798.85504,"sentiment":"neutral","sentiment_score":0.2054480016231537},{"text":"But at the same time, it's very enjoyable.","start":798.85504,"end":801.59503,"sentiment":"positive","sentiment_score":0.5433456674218178},{"text":"Like so I'm the head of advice.","start":801.895,"end":804.47504,"sentiment":"positive","sentiment_score":0.3333387417452676},{"text":"So I actually like, I manage the advice team in terms of compliance and investment aspects, all that kind of stuff.","start":804.61505,"end":813.3,"sentiment":"neutral","sentiment_score":0.2792875259405091}],"sentiment":"neutral","sentiment_score":0.3111286266585407,"num_words":46,"start":790.4,"end":813.3},{"sentences":[{"text":"So I don't always get the most amount of time to actually speak with a client.","start":813.3,"end":816.66,"sentiment":"neutral","sentiment_score":-0.15605136938393116},{"text":"And I've spent the entire day today just speaking with clients, and it let's just say, cup very full.","start":816.66,"end":823.32,"sentiment":"neutral","sentiment_score":-0.1205921976974136},{"text":"Yeah.","start":827.65497,"end":828.15497,"sentiment":"neutral","sentiment_score":0.12230779975652696},{"text":"So if you pop down to page 16, you can kinda see where the variance hits.","start":829.015,"end":832.71497,"sentiment":"neutral","sentiment_score":0.04329126700758934},{"text":"So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets.","start":833.015,"end":842.99,"sentiment":"neutral","sentiment_score":0.026885051978752017}],"sentiment":"neutral","sentiment_score":-0.052102128865526,"num_words":68,"start":813.3,"end":842.99},{"sentences":[{"text":"So what our investment committee generally looks at is we look at a forty sixty split.","start":843.29,"end":847.39,"sentiment":"neutral","sentiment_score":0.029535394278354943},{"text":"Currently, you're sitting basically exactly within that realm of forty, sixty.","start":848.81,"end":853.945,"sentiment":"neutral","sentiment_score":0.014690657188607887},{"text":"I'm splitting it up a little bit.","start":855.525,"end":857.22504,"sentiment":"neutral","sentiment_score":0.06469411669032914},{"text":"So I'm pulling a little bit into an outgrowth asset where you don't currently have anything.","start":857.365,"end":863.78503,"sentiment":"neutral","sentiment_score":0.03587497503031045},{"text":"Still moving everything and keeping everything into the growth assets.","start":863.84503,"end":869.70996,"sentiment":"neutral","sentiment_score":0.07504428401589394}],"sentiment":"neutral","sentiment_score":0.04019107991674294,"num_words":60,"start":843.29,"end":869.70996},{"sentences":[{"text":"But, you know, it it's very much still a 100% of it's going to be invested.","start":870.25,"end":874.11,"sentiment":"neutral","sentiment_score":0.07797899493016303},{"text":"Variance is totally normal.","start":876.41,"end":878.02997,"sentiment":"neutral","sentiment_score":-0.0406416105106473},{"text":"You're never going to have, like, an exact forty, sixty split.","start":878.17,"end":881.245,"sentiment":"neutral","sentiment_score":-0.12569621747190302},{"text":"Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk.","start":882.105,"end":895.92,"sentiment":"neutral","sentiment_score":-0.08094776734229057},{"text":"So what what this will do is it'll do exactly that.","start":896.16,"end":902.1,"sentiment":"neutral","sentiment_score":0.06514003466476094}],"sentiment":"neutral","sentiment_score":-0.02863563454314454,"num_words":73,"start":870.25,"end":902.1},{"sentences":[{"text":"Now if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily.","start":902.32,"end":913.295,"sentiment":"neutral","sentiment_score":-0.011988064336280028},{"text":"Currently, I would say you are sitting about a 120 probably more like a 110%, like, in your growth assets based on where we're sitting.","start":913.915,"end":924.44,"sentiment":"neutral","sentiment_score":-0.01550633329898119},{"text":"If you wanna go a little bit heavier, we definitely can.","start":924.9,"end":928.04,"sentiment":"neutral","sentiment_score":-0.037357824769887055},{"text":"It won't be in Giga, though.","start":929.06,"end":930.76,"sentiment":"neutral","sentiment_score":-0.11061642318964005},{"text":"I would have to look at alternative geared assets to be able to to approach that market.","start":930.82,"end":938.665,"sentiment":"neutral","sentiment_score":-0.05903006038245033}],"sentiment":"neutral","sentiment_score":-0.03174658315360881,"num_words":89,"start":902.32,"end":938.665},{"sentences":[{"text":"There's very limited available within Hub twenty four, but there are still some other gearings that we can do.","start":938.885,"end":945.305,"sentiment":"neutral","sentiment_score":-0.06138230247521087},{"text":"I don't I'm gonna be clear and say that I don't generally like going to oh my god.","start":945.445,"end":953.64,"sentiment":"neutral","sentiment_score":-0.16794254009922346},{"text":"What are they called?","start":953.64,"end":954.54,"sentiment":"neutral","sentiment_score":-0.06901519745588303},{"text":"Bit Bitcoin cryptocurrencies.","start":955.16,"end":959.34,"sentiment":"neutral","sentiment_score":-0.03239869078000387},{"text":"I don't generally like going to crypto cryptocurrencies purely because they are too much of a risk.","start":959.56,"end":964.425,"sentiment":"negative","sentiment_score":-0.39110977509442496}],"sentiment":"neutral","sentiment_score":-0.18379266405875078,"num_words":61,"start":938.885,"end":964.425},{"sentences":[{"text":"Hub twenty four do not invest in cryptocurrencies.","start":964.58496,"end":966.605,"sentiment":"neutral","sentiment_score":-0.16025850735604763},{"text":"They do, however, invest in the basically, the sites that support cryptocurrencies, like your current coin wallets and stuff like that.","start":967.14496,"end":978.44,"sentiment":"neutral","sentiment_score":0.04514530247875622},{"text":"So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores.","start":979.46,"end":992.565,"sentiment":"neutral","sentiment_score":-0.12523836852051318},{"text":"So if I'm going too far, let me know.","start":992.625,"end":995.745,"sentiment":"neutral","sentiment_score":-0.03468306507501337},{"text":"But alpha and beta is basically any asset that's on the market is tested against similar assets.","start":995.745,"end":1009.62,"sentiment":"neutral","sentiment_score":0.07669256057809382}],"sentiment":"neutral","sentiment_score":-0.03850596040572928,"num_words":87,"start":964.58496,"end":1009.62},{"sentences":[{"text":"Right?","start":1009.68,"end":1010.0,"sentiment":"neutral","sentiment_score":0.054772645235061646},{"text":"So if you have Australian stocks, they're they're tested against other Australian stocks and so on and so forth.","start":1010.0,"end":1016.07996,"sentiment":"neutral","sentiment_score":0.050585139150682246},{"text":"It's called a benchmark.","start":1016.07996,"end":1016.98,"sentiment":"neutral","sentiment_score":0.07665535807609558},{"text":"So every asset has a benchmark that it's tested against.","start":1017.6,"end":1021.925,"sentiment":"neutral","sentiment_score":0.09896732866764069},{"text":"When it comes to an individual stock, it's tested against the benchmark and it get it gets an an alpha and a beta score.","start":1021.925,"end":1028.105,"sentiment":"neutral","sentiment_score":0.087966020219028}],"sentiment":"neutral","sentiment_score":0.07626499126440492,"num_words":58,"start":1009.68,"end":1028.105},{"sentences":[{"text":"And that basically means how is the risk higher or lower than the benchmark, and then is the performance higher or lower than the benchmark.","start":1028.245,"end":1037.96,"sentiment":"neutral","sentiment_score":-0.07990852624177933},{"text":"And, realistically, what you want is you want a high alpha, low beta asset.","start":1039.46,"end":1048.395,"sentiment":"neutral","sentiment_score":0.2248674583222185},{"text":"Low beta being that it's lower risk, high alpha being that it's higher performance.","start":1049.015,"end":1054.155,"sentiment":"neutral","sentiment_score":0.27943840090717587},{"text":"So we can definitely target assets that are, and these assets are very targeted towards already within the portfolio.","start":1055.175,"end":1063.36,"sentiment":"neutral","sentiment_score":0.3261682720560777},{"text":"Geoguss sitting a little bit outside of that.","start":1063.74,"end":1065.76,"sentiment":"neutral","sentiment_score":-0.005648669321089983}],"sentiment":"neutral","sentiment_score":0.14018220859579741,"num_words":80,"start":1028.245,"end":1065.76},{"sentences":[{"text":"These assets are very much targeted towards that high alpha, low beta.","start":1066.0599,"end":1071.84,"sentiment":"neutral","sentiment_score":0.19390066340565681},{"text":"Being that they're low cost, being the low beta, they are low risk.","start":1071.98,"end":1075.515,"sentiment":"neutral","sentiment_score":0.22687455553274888},{"text":"They're testing lower than what the benchmark is, but they are forming at a higher rate than what the benchmark is.","start":1076.875,"end":1083.615,"sentiment":"neutral","sentiment_score":0.2033185866617021},{"text":"Now we can still target assets along that range while aiming towards gearing.","start":1084.395,"end":1091.49,"sentiment":"neutral","sentiment_score":0.29106587400803197},{"text":"I wouldn't really wanna get anything more than 40% of the portfolio if you wanted to go more heavily into gearing.","start":1091.9501,"end":1098.93,"sentiment":"neutral","sentiment_score":-0.023060855588742664}],"sentiment":"neutral","sentiment_score":0.16056807371787726,"num_words":80,"start":1066.0599,"end":1098.93},{"sentences":[{"text":"I am comfortable with where it's sitting now from an overall perspective, from a ongoing longer term outlook.","start":1100.1901,"end":1107.305,"sentiment":"neutral","sentiment_score":0.23740852003296217},{"text":"Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller.","start":1108.165,"end":1119.66,"sentiment":"neutral","sentiment_score":-0.10026174634695054},{"text":"I'm not sure which to say which way it would go with you geared.","start":1119.66,"end":1124.88,"sentiment":"neutral","sentiment_score":-0.10571740461247307},{"text":"But we could definitely take the risk and gear it if you were willing to.","start":1126.0599,"end":1130.205,"sentiment":"neutral","sentiment_score":0.14589312995473544},{"text":"Okay.","start":1132.985,"end":1133.485,"sentiment":"positive","sentiment_score":0.34281253814697266}],"sentiment":"neutral","sentiment_score":0.02970085632151518,"num_words":78,"start":1100.1901,"end":1133.485},{"sentences":[{"text":"That's absolutely fine.","start":1133.705,"end":1134.9049,"sentiment":"positive","sentiment_score":0.5045021772384644},{"text":"So cool.","start":1134.9049,"end":1138.345,"sentiment":"positive","sentiment_score":0.34833700954914093},{"text":"Okay.","start":1138.345,"end":1138.825,"sentiment":"neutral","sentiment_score":0.15636299550533295},{"text":"So what I can do is, a, I wanna fix up those figures, like, those API archives because they are really annoying me.","start":1138.825,"end":1146.04,"sentiment":"neutral","sentiment_score":-0.12143122858327368},{"text":"I can't believe I actually mixed them all up.","start":1146.9,"end":1149.48,"sentiment":"neutral","sentiment_score":-0.26738574107487995}],"sentiment":"neutral","sentiment_score":-0.07454858896763701,"num_words":38,"start":1133.705,"end":1149.48},{"sentences":[{"text":"I'll fix those APIRs up, and what I'll do is I will look at pulling a little bit more into some gearing.","start":1150.18,"end":1156.76,"sentiment":"neutral","sentiment_score":-0.02856312762014568},{"text":"What other avenues would you wanna look at if we did go down that?","start":1157.465,"end":1161.645,"sentiment":"neutral","sentiment_score":-0.0034344888159206937},{"text":"Like, do you wanna look at some cryptocurrency assets?","start":1161.865,"end":1164.605,"sentiment":"neutral","sentiment_score":0.006442505452367995},{"text":"Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent.","start":1165.0651,"end":1169.725,"sentiment":"neutral","sentiment_score":0.022337459171047576},{"text":"No.","start":1179.13,"end":1179.45,"sentiment":"neutral","sentiment_score":-0.1896938979625702}],"sentiment":"neutral","sentiment_score":-0.00877620391074126,"num_words":59,"start":1150.18,"end":1179.45},{"sentences":[{"text":"No.","start":1179.45,"end":1179.95,"sentiment":"neutral","sentiment_score":-0.20408746600151065},{"text":"How about what I'll do is I have to pick my kids up tonight.","start":1180.33,"end":1184.865,"sentiment":"neutral","sentiment_score":-0.1372482760676316},{"text":"I know.","start":1184.865,"end":1185.345,"sentiment":"neutral","sentiment_score":-0.11486158147454262},{"text":"Mother duty is outrageous.","start":1185.345,"end":1186.485,"sentiment":"neutral","sentiment_score":-0.29295632988214493},{"text":"But once I settle myself down and sit down to work again tonight, I will email you through the couple of assets that are Bitcoin adjacent that Hub twenty four has within the funds that are available.","start":1187.265,"end":1200.08,"sentiment":"neutral","sentiment_score":0.08414148720535072}],"sentiment":"neutral","sentiment_score":-0.007135806669448984,"num_words":58,"start":1179.45,"end":1200.08},{"sentences":[{"text":"I'll give you some information around them so that way we we can make a little bit more of an educated decision around how we can structure it.","start":1200.08,"end":1206.1,"sentiment":"neutral","sentiment_score":0.1336400043219328},{"text":"Yeah?","start":1208.16,"end":1208.48,"sentiment":"neutral","sentiment_score":0.027695342898368835},{"text":"Because I know there's two or three.","start":1208.48,"end":1210.405,"sentiment":"neutral","sentiment_score":-0.015062577623341764},{"text":"Just can't remember off the top of my head.","start":1210.405,"end":1212.265,"sentiment":"neutral","sentiment_score":-0.07997111396657096},{"text":"Good.","start":1212.405,"end":1212.645,"sentiment":"neutral","sentiment_score":0.1252356469631195}],"sentiment":"neutral","sentiment_score":0.06673202264811033,"num_words":46,"start":1200.08,"end":1212.645},{"sentences":[{"text":"I'm just not that good.","start":1212.645,"end":1213.865,"sentiment":"negative","sentiment_score":-0.379656682908535},{"text":"Yeah.","start":1220.485,"end":1220.985,"sentiment":"neutral","sentiment_score":0.07985562086105347},{"text":"Yeah.","start":1228.2,"end":1228.7,"sentiment":"neutral","sentiment_score":-0.012984959408640862},{"text":"A lot of the time, like, direct Bitcoin purchase, you're better off going straight from a coin wallet, like, direct just because a lot of your major players, like your super funds, stuff like that, do not allow direct purchase.","start":1229.32,"end":1243.905,"sentiment":"neutral","sentiment_score":-0.12286761915311217},{"text":"They just they remove themselves from the risk because they like, Hub 20 4 and stuff.","start":1244.685,"end":1252.38,"sentiment":"neutral","sentiment_score":-0.04359156687860377}],"sentiment":"neutral","sentiment_score":-0.11815210459162555,"num_words":63,"start":1212.645,"end":1252.38},{"sentences":[{"text":"Yeah.","start":1252.46,"end":1252.78,"sentiment":"neutral","sentiment_score":0.015096081420779228},{"text":"Yeah.","start":1252.78,"end":1253.02,"sentiment":"neutral","sentiment_score":0.02566307783126831},{"text":"Okay.","start":1253.02,"end":1253.52,"sentiment":"neutral","sentiment_score":0.03275645524263382},{"text":"Yes.","start":1253.74,"end":1254.06,"sentiment":"neutral","sentiment_score":0.04728129506111145},{"text":"They yeah.","start":1254.06,"end":1254.46,"sentiment":"neutral","sentiment_score":0.046616680920124054}],"sentiment":"neutral","sentiment_score":0.03567171189934015,"num_words":6,"start":1252.46,"end":1254.46},{"sentences":[{"text":"They have platform fees.","start":1254.46,"end":1255.74,"sentiment":"neutral","sentiment_score":0.06342107523232698},{"text":"If you're looking for, like, an investment platform with, like, a really low cost fee for purchases, like that, anything like that.","start":1255.74,"end":1270.165,"sentiment":"neutral","sentiment_score":0.09087657623670319},{"text":"There is Superhero, I think it's called, which are really low cost.","start":1270.165,"end":1275.625,"sentiment":"neutral","sentiment_score":0.16639755914608637},{"text":"I'm just not sure whether they do have access to Bitcoin.","start":1276.245,"end":1280.745,"sentiment":"neutral","sentiment_score":0.03062720393592661},{"text":"But I can definitely have a quick look and yep.","start":1282.72,"end":1288.88,"sentiment":"neutral","sentiment_score":0.06309995613992214}],"sentiment":"neutral","sentiment_score":0.08843455072176659,"num_words":59,"start":1254.46,"end":1288.88},{"sentences":[{"text":"Yeah.","start":1288.88,"end":1289.12,"sentiment":"neutral","sentiment_score":0.07440818101167679},{"text":"That's fair.","start":1289.12,"end":1289.94,"sentiment":"neutral","sentiment_score":0.10575490072369576},{"text":"So you're you're you're Yeah.","start":1291.04,"end":1293.52,"sentiment":"neutral","sentiment_score":0.0334317747503519},{"text":"You're already pretty.","start":1293.52,"end":1294.9,"sentiment":"neutral","sentiment_score":0.01694037423779567},{"text":"Realistically, I'm I'm more of a try and keep it together ish type of person.","start":1295.385,"end":1300.285,"sentiment":"neutral","sentiment_score":0.0004768280312418938}],"sentiment":"neutral","sentiment_score":0.019655784592032433,"num_words":26,"start":1288.88,"end":1300.285},{"sentences":[{"text":"Try and avoid having the 50,000 logins and forgetting access to them.","start":1300.665,"end":1305.0851,"sentiment":"neutral","sentiment_score":-0.06713463459163904},{"text":"The beta alpha split.","start":1321.12,"end":1322.58,"sentiment":"neutral","sentiment_score":0.02351215248927474},{"text":"Yeah.","start":1322.72,"end":1323.22,"sentiment":"neutral","sentiment_score":0.024185147136449817},{"text":"Yeah.","start":1324.965,"end":1325.365,"sentiment":"neutral","sentiment_score":0.09207751601934432},{"text":"Alright.","start":1325.365,"end":1325.685,"sentiment":"neutral","sentiment_score":0.20002953708171844}],"sentiment":"neutral","sentiment_score":-0.020803937100266155,"num_words":19,"start":1300.665,"end":1325.685},{"sentences":[{"text":"Cool.","start":1325.685,"end":1326.005,"sentiment":"neutral","sentiment_score":0.30618029832839966},{"text":"Alright.","start":1326.005,"end":1326.405,"sentiment":"neutral","sentiment_score":0.2551117539405823},{"text":"And you're happy to target that, like, lower cost ETF to a degree.","start":1326.405,"end":1332.405,"sentiment":"positive","sentiment_score":0.35580069514421314},{"text":"Like, majority of the fund is obviously ETF, so it's bringing the cost down already.","start":1332.405,"end":1338.0851,"sentiment":"positive","sentiment_score":0.34800945520401},{"text":"Like, your cost savings off the top of my head, which I should remember already, go something from, like, a thousand dollars per annum in the investment fees down to something like 500.","start":1338.0851,"end":1349.2,"sentiment":"neutral","sentiment_score":0.2350009356935819}],"sentiment":"neutral","sentiment_score":0.28828371103320805,"num_words":63,"start":1325.685,"end":1349.2},{"sentences":[{"text":"1,000 one 100 and 2 down to 479.","start":1351.5,"end":1355.365,"sentiment":"neutral","sentiment_score":0.3028113879263401},{"text":"Oh, that was pretty good off the top of my head from two nights ago.","start":1356.3049,"end":1358.965,"sentiment":"positive","sentiment_score":0.40040143132209777},{"text":"It's your it's your you've been a you've been a long Australian equities because it's got such a high fee, and it does currently make up sort of, like, $40 of your fund or 30 something grand of your fund.","start":1361.4249,"end":1371.8301,"sentiment":"neutral","sentiment_score":-0.052224119810853155},{"text":"So that that's why it it's quite high, and then also your ACDC is a little bit up there.","start":1372.13,"end":1378.79,"sentiment":"neutral","sentiment_score":-0.11663243801970231},{"text":"That's one of the other ones that is a little bit on the higher side.","start":1380.125,"end":1383.745,"sentiment":"neutral","sentiment_score":-0.08496794799963633}],"sentiment":"neutral","sentiment_score":0.02937126019009456,"num_words":97,"start":1351.5,"end":1383.745},{"sentences":[{"text":"Yes.","start":1384.5249,"end":1385.0249,"sentiment":"neutral","sentiment_score":0.22321560978889465},{"text":"So all of those coming off does definitely help to bring that cost down.","start":1385.245,"end":1389.745,"sentiment":"positive","sentiment_score":0.4235801569053105},{"text":"And then secondarily to that, you know, spreading everything out.","start":1390.2849,"end":1395.51,"sentiment":"neutral","sentiment_score":0.13718195110559464},{"text":"So I'll look at another even if I look at one or two more geared structures, see if we can slip them in as well and go from there.","start":1395.51,"end":1405.77,"sentiment":"neutral","sentiment_score":0.1580456246075959},{"text":"And what I'll do is once I get it all updated, which I will be able to do by, like, Monday, Tuesday next week.","start":1406.2301,"end":1411.9149,"sentiment":"neutral","sentiment_score":0.2586626447737217}],"sentiment":"neutral","sentiment_score":0.23482543468857422,"num_words":78,"start":1384.5249,"end":1411.9149},{"sentences":[{"text":"It should be back up easy.","start":1411.9149,"end":1412.7949,"sentiment":"positive","sentiment_score":0.5657997081677119},{"text":"I'll do it over the weekend.","start":1412.7949,"end":1413.855,"sentiment":"positive","sentiment_score":0.43256165087223053},{"text":"I will just I'll send it through to you.","start":1415.835,"end":1417.195,"sentiment":"neutral","sentiment_score":0.190932540429963},{"text":"I'll just correct it and send it through you, and I'll send you an email saying, hey.","start":1417.195,"end":1419.835,"sentiment":"neutral","sentiment_score":0.15336428188225804},{"text":"Take a look at the document.","start":1419.835,"end":1421.0549,"sentiment":"neutral","sentiment_score":0.18354355543851852}],"sentiment":"neutral","sentiment_score":0.2594776168804277,"num_words":44,"start":1411.9149,"end":1421.0549},{"sentences":[{"text":"And I'm more than happy if you just wanna come back and say, hey.","start":1421.4349,"end":1423.595,"sentiment":"neutral","sentiment_score":0.0916822082363069},{"text":"I wanna talk if you're not happy and sign it.","start":1423.595,"end":1430.3099,"sentiment":"neutral","sentiment_score":-0.0665714129805565},{"text":"The portfolio return is, like, over the last ten years, just over three points or 3%.","start":1430.37,"end":1439.0951,"sentiment":"neutral","sentiment_score":0.0667622450273484},{"text":"Higher?","start":1439.875,"end":1440.375,"sentiment":"neutral","sentiment_score":0.007238198071718216},{"text":"Per like, year on year?","start":1443.155,"end":1444.775,"sentiment":"neutral","sentiment_score":0.012624518200755119}],"sentiment":"neutral","sentiment_score":0.03818246728295217,"num_words":46,"start":1421.4349,"end":1444.775},{"sentences":[{"text":"Sorry?","start":1446.115,"end":1446.615,"sentiment":"neutral","sentiment_score":-0.007760409265756607},{"text":"Oh.","start":1449.395,"end":1449.895,"sentiment":"neutral","sentiment_score":0.0627942830324173},{"text":"Oh, you're already, like, a thousand times.","start":1451.12,"end":1452.56,"sentiment":"neutral","sentiment_score":0.023709919436701705},{"text":"Well, you're way past me.","start":1452.56,"end":1454.18,"sentiment":"neutral","sentiment_score":-0.07059886455535888},{"text":"Outside of that, the couple of things, I guess, I wanted to draw attention to were probably estate planning wise.","start":1455.12,"end":1462.1001,"sentiment":"neutral","sentiment_score":-0.009938051924109459}],"sentiment":"neutral","sentiment_score":-0.009728001512806205,"num_words":34,"start":1446.115,"end":1462.1001},{"sentences":[{"text":"As I understand, you are partnered.","start":1464.16,"end":1466.18,"sentiment":"neutral","sentiment_score":0.03326603708167871},{"text":"So defacto now.","start":1467.165,"end":1469.885,"sentiment":"neutral","sentiment_score":0.04851600527763367},{"text":"So there's a couple of avenues that we can definitely take.","start":1469.885,"end":1472.545,"sentiment":"neutral","sentiment_score":0.16640530408106066},{"text":"One, you have a lot of personal assets.","start":1472.925,"end":1475.185,"sentiment":"neutral","sentiment_score":0.08601427543908358},{"text":"They will all fall under your estate.","start":1477.165,"end":1478.8451,"sentiment":"neutral","sentiment_score":0.06257396670324462}],"sentiment":"neutral","sentiment_score":0.09433527296142918,"num_words":35,"start":1464.16,"end":1478.8451},{"sentences":[{"text":"All your your crypto, the cars, the everything like that, they fall under the estate.","start":1478.8451,"end":1483.7,"sentiment":"neutral","sentiment_score":0.1959665134549141},{"text":"And I wanna make sure that we protect them.","start":1484.16,"end":1485.6399,"sentiment":"positive","sentiment_score":0.3674580587281121},{"text":"I wanna make sure that we get them to the right place that they need to go in the event that something happens to you.","start":1485.6399,"end":1490.4,"sentiment":"positive","sentiment_score":0.6183622527122498},{"text":"Because you're a a massing, a nice, healthy little egg.","start":1490.4,"end":1493.2999,"sentiment":"positive","sentiment_score":0.7287305802106857},{"text":"A will is gonna be the the way to proceed for all of those estate assets.","start":1494.205,"end":1499.745,"sentiment":"positive","sentiment_score":0.4919552579522133}],"sentiment":"positive","sentiment_score":0.4915235530336698,"num_words":75,"start":1478.8451,"end":1499.745},{"sentences":[{"text":"You can do it a couple of different ways.","start":1503.565,"end":1505.345,"sentiment":"neutral","sentiment_score":0.15436767621172798},{"text":"Lawyer, you're looking at anywhere between sort of maybe 5 to $1,000 for a will and the power of attorney document.","start":1505.4049,"end":1512.25,"sentiment":"neutral","sentiment_score":0.10877291042180288},{"text":"You can do it yourself through, like, will.","start":1513.67,"end":1516.55,"sentiment":"neutral","sentiment_score":0.1938630174845457},{"text":"You're looking at maybe a couple 100.","start":1516.55,"end":1518.0901,"sentiment":"neutral","sentiment_score":0.1835491018635886},{"text":"And based on your current position, we're not gonna need a complex will.","start":1518.4701,"end":1522.0901,"sentiment":"neutral","sentiment_score":0.11171308102516028}],"sentiment":"neutral","sentiment_score":0.13726824329331003,"num_words":58,"start":1503.565,"end":1522.0901},{"sentences":[{"text":"Like, we're not gonna need a trust or anything like that.","start":1522.775,"end":1532.395,"sentiment":"neutral","sentiment_score":0.018990662626244804},{"text":"If we're looking at yeah.","start":1533.6549,"end":1536.1549,"sentiment":"neutral","sentiment_score":0.14128101915121077},{"text":"We're looking at trust structures.","start":1536.4,"end":1537.6799,"sentiment":"neutral","sentiment_score":0.08232205808162689},{"text":"We're looking at, like, $5 to set up a trust, but, otherwise, pretty low in in terms of cost.","start":1537.6799,"end":1544.66,"sentiment":"neutral","sentiment_score":0.27029834452428314},{"text":"With your superannuation fund, there's one of two options you have available to you.","start":1546.48,"end":1550.775,"sentiment":"neutral","sentiment_score":0.2370403174843107}],"sentiment":"neutral","sentiment_score":0.18113232714434466,"num_words":54,"start":1522.775,"end":1550.775},{"sentences":[{"text":"You can either, a, have your superannuation fund form part of your estate, which means that your will is going to dictate where that money goes.","start":1551.015,"end":1562.395,"sentiment":"neutral","sentiment_score":0.1844054598074693},{"text":"It means that you can nominate whoever you want.","start":1562.4551,"end":1564.53,"sentiment":"neutral","sentiment_score":0.19809665944841173},{"text":"So the best friend that you've had for the last twenty years can get the money from your super fund.","start":1564.53,"end":1569.1901,"sentiment":"neutral","sentiment_score":0.2507855363190174},{"text":"Or the other option is is that you can nominate a direct person.","start":1570.13,"end":1573.67,"sentiment":"neutral","sentiment_score":0.11795659305957648},{"text":"The only people that are able to be nominated directly are spouses, so your partner, children, irrespective of the age that that child is, or a financial dependent, I e, if you and your best mate buy a house together, live together, and are and are relying on each other financially for as long as that financial relationship exists.","start":1574.29,"end":1595.5499,"sentiment":"neutral","sentiment_score":0.12642414571117547}],"sentiment":"neutral","sentiment_score":0.1620912041192449,"num_words":127,"start":1551.015,"end":1595.5499},{"sentences":[{"text":"So those are basically the three relationships that we can do direct through your super fund.","start":1596.73,"end":1602.09,"sentiment":"neutral","sentiment_score":0.15750474017113447},{"text":"And I wanna make sure that we set things up properly.","start":1602.09,"end":1604.51,"sentiment":"neutral","sentiment_score":0.188684458759698},{"text":"Last time I acknowledge that you were extremely young, still important to have it set up.","start":1604.73,"end":1610.305,"sentiment":"neutral","sentiment_score":0.01789416139945388},{"text":"I have unfortunately lost quite a number of 30 year old clients in my decade.","start":1610.605,"end":1615.425,"sentiment":"negative","sentiment_score":-0.3562837471564611},{"text":"Yeah.","start":1621.42,"end":1621.92,"sentiment":"negative","sentiment_score":-0.3921465575695038}],"sentiment":"neutral","sentiment_score":-0.014482903278480142,"num_words":59,"start":1596.73,"end":1621.92},{"sentences":[{"text":"Yeah.","start":1625.1,"end":1625.26,"sentiment":"neutral","sentiment_score":-0.045773252844810486},{"text":"So do you have any concept as to who you would wanna nominate?","start":1625.26,"end":1629.26,"sentiment":"neutral","sentiment_score":0.060091884090350225},{"text":"Because I can get the beneficiary nomination form out to you and get that all hunkered down.","start":1629.26,"end":1635.435,"sentiment":"neutral","sentiment_score":0.12648169521023245},{"text":"And then it's just a matter of how you wanna proceed will wise with either a solicitor or personally.","start":1635.975,"end":1643.355,"sentiment":"neutral","sentiment_score":0.12293283641338348},{"text":"Yeah.","start":1648.0499,"end":1648.5499,"sentiment":"neutral","sentiment_score":0.06718985736370087}],"sentiment":"neutral","sentiment_score":0.10369654525728787,"num_words":51,"start":1625.1,"end":1648.5499},{"sentences":[{"text":"In a will?","start":1652.0499,"end":1652.5299,"sentiment":"neutral","sentiment_score":0.03961524305244287},{"text":"Yeah.","start":1652.5299,"end":1652.9299,"sentiment":"neutral","sentiment_score":0.1151888519525528},{"text":"100100%.","start":1652.9299,"end":1654.23,"sentiment":"neutral","sentiment_score":0.10246407985687256},{"text":"I can't do your will, but your beneficiary nomination form, I can definitely do.","start":1654.61,"end":1658.3899,"sentiment":"neutral","sentiment_score":0.10813513797308717},{"text":"I'm gonna be really clear with this.","start":1659.97,"end":1661.625,"sentiment":"neutral","sentiment_score":-0.03885939344763756}],"sentiment":"neutral","sentiment_score":0.06070672455601967,"num_words":26,"start":1652.0499,"end":1661.625},{"sentences":[{"text":"Your son is still really young.","start":1662.105,"end":1663.565,"sentiment":"neutral","sentiment_score":-0.16121690968672434},{"text":"If you nominate your son, what you are doing is you are forcing additional paperwork on your partner.","start":1665.865,"end":1672.125,"sentiment":"neutral","sentiment_score":-0.23094714412258732},{"text":"And what is gonna happen is your partner ends up with money anyway.","start":1672.985,"end":1675.965,"sentiment":"neutral","sentiment_score":-0.22247071449573225},{"text":"Yep.","start":1678.9,"end":1679.4,"sentiment":"neutral","sentiment_score":-0.2130776047706604},{"text":"Little bit.","start":1681.0599,"end":1681.7,"sentiment":"neutral","sentiment_score":-0.2550817281007767}],"sentiment":"neutral","sentiment_score":-0.21849276004359125,"num_words":40,"start":1662.105,"end":1681.7},{"sentences":[{"text":"Yeah.","start":1681.7,"end":1682.2,"sentiment":"neutral","sentiment_score":-0.09351162612438202},{"text":"Everyone tries to do it.","start":1682.4199,"end":1683.38,"sentiment":"neutral","sentiment_score":-0.11188448667526245},{"text":"Like, I want my want my children to have money as well.","start":1683.38,"end":1686.74,"sentiment":"neutral","sentiment_score":0.044901267935832344},{"text":"But, realistically, if something happens to you tomorrow, you know, as he would, your partner's gonna get it.","start":1686.74,"end":1693.955,"sentiment":"neutral","sentiment_score":-0.00400502627922429},{"text":"Your partner's gonna use it to look after your child.","start":1693.955,"end":1696.695,"sentiment":"neutral","sentiment_score":0.08618669584393501}],"sentiment":"neutral","sentiment_score":0.014688209590056667,"num_words":46,"start":1681.7,"end":1696.695},{"sentences":[{"text":"If something happens to you in eighteen years and all of a sudden you've got a grown up child who's out there, you know, leaving a car and wherever else, 100%.","start":1697.475,"end":1706.17,"sentiment":"neutral","sentiment_score":-0.05448617305486433},{"text":"And that's something we can update in couple decades time as life is on.","start":1706.17,"end":1711.39,"sentiment":"neutral","sentiment_score":0.0792844465800694},{"text":"You can go and do updates, and you can go, hey.","start":1711.6901,"end":1713.8501,"sentiment":"neutral","sentiment_score":0.23347761685198004},{"text":"Actually, now I wanna make sure that my kid has money as well.","start":1713.8501,"end":1717.31,"sentiment":"neutral","sentiment_score":0.20517947238225204},{"text":"Or because your partner's always gonna be a tax free recipient of any superannuation and insurance funds, we keep it with your partner, and then you just trust and rely that your partner's gonna give a little bit of money to your kid.","start":1717.4501,"end":1730.34,"sentiment":"neutral","sentiment_score":0.1860678791999817}],"sentiment":"neutral","sentiment_score":0.11301264838714685,"num_words":112,"start":1697.475,"end":1730.34},{"sentences":[{"text":"But that's a conversation for later us.","start":1732.1799,"end":1735.14,"sentiment":"neutral","sentiment_score":0.049546770219291957},{"text":"Right now us, paperwork wise, it's quickest to get it straight to a bus stop and tax free and less of a headache.","start":1735.14,"end":1742.9199,"sentiment":"neutral","sentiment_score":0.17080230152477388},{"text":"Yeah.","start":1746.025,"end":1746.3451,"sentiment":"positive","sentiment_score":0.3958427309989929},{"text":"Perfect.","start":1746.3451,"end":1746.745,"sentiment":"positive","sentiment_score":0.5558667182922363},{"text":"Do you want me to presale the details, or do you want me to just get your I'll I'll pop your details on the form.","start":1746.745,"end":1751.865,"sentiment":"neutral","sentiment_score":0.17289580792188644}],"sentiment":"neutral","sentiment_score":0.16753306971830234,"num_words":57,"start":1732.1799,"end":1751.865},{"sentences":[{"text":"I'll send it to you, and you can put the details in.","start":1751.865,"end":1753.785,"sentiment":"neutral","sentiment_score":0.17135926087697348},{"text":"It's like full name, date of birth, address, which would be the same as your address.","start":1753.785,"end":1758.125,"sentiment":"neutral","sentiment_score":0.10938624013215303},{"text":"Yep.","start":1760.4,"end":1760.9,"sentiment":"positive","sentiment_score":0.6606370806694031},{"text":"Cool.","start":1762.0,"end":1762.3201,"sentiment":"positive","sentiment_score":0.6224046945571899},{"text":"I'll I'll get that out of the house within the next couple days to you so that way that can be signed.","start":1762.3201,"end":1770.24,"sentiment":"positive","sentiment_score":0.355556609955701}],"sentiment":"neutral","sentiment_score":0.24830342628634894,"num_words":52,"start":1751.865,"end":1770.24},{"sentences":[{"text":"It needs to be witnessed and not by your partner.","start":1770.24,"end":1773.045,"sentiment":"neutral","sentiment_score":0.10129057504236698},{"text":"Take it to work and get the mates at work to to witness, so that's fine.","start":1774.0851,"end":1777.545,"sentiment":"neutral","sentiment_score":0.18141864612698555},{"text":"No.","start":1781.6051,"end":1781.8451,"sentiment":"neutral","sentiment_score":-0.08525749295949936},{"text":"Not at all.","start":1781.8451,"end":1782.405,"sentiment":"neutral","sentiment_score":-0.06759048998355865},{"text":"No.","start":1782.405,"end":1782.7251,"sentiment":"neutral","sentiment_score":-0.0399051234126091}],"sentiment":"neutral","sentiment_score":0.11573129039137595,"num_words":31,"start":1770.24,"end":1782.7251},{"sentences":[{"text":"You can do it behind the back.","start":1782.7251,"end":1784.0851,"sentiment":"neutral","sentiment_score":0.0012677271983453204},{"text":"Just just you sign it and you get, like, two of them.","start":1784.0851,"end":1789.28,"sentiment":"neutral","sentiment_score":0.10714231027911107},{"text":"I mean, it's probably nice to tell your partner that you're doing it, but they doesn't need to know.","start":1792.74,"end":1802.075,"sentiment":"neutral","sentiment_score":0.06883732602000237},{"text":"So outside of that, what I'll do is I'll rework the feedback just a little bit just to go a little heavier on the kid.","start":1803.1749,"end":1809.995,"sentiment":"neutral","sentiment_score":-0.05078474372625351},{"text":"I might just be doing a familiar with me.","start":1810.0549,"end":1811.895,"sentiment":"neutral","sentiment_score":-0.10541327628824446}],"sentiment":"neutral","sentiment_score":0.005335457338434126,"num_words":72,"start":1782.7251,"end":1811.895},{"sentences":[{"text":"I just have this awful feeling.","start":1811.895,"end":1813.755,"sentiment":"negative","sentiment_score":-0.3787750154733658},{"text":"Not awful.","start":1814.3099,"end":1814.97,"sentiment":"negative","sentiment_score":-0.5398543477058411},{"text":"It's pretty ebb feeling, really.","start":1815.0299,"end":1817.21,"sentiment":"negative","sentiment_score":-0.45788992643356324},{"text":"You were gonna wanna go a little heavier.","start":1817.9099,"end":1819.85,"sentiment":"neutral","sentiment_score":-0.2949677128344774},{"text":"So I will get get that in, and then I'll I'll resend the documents to you.","start":1820.63,"end":1826.07,"sentiment":"neutral","sentiment_score":-0.053795353160239756}],"sentiment":"neutral","sentiment_score":-0.23952096685565807,"num_words":37,"start":1811.895,"end":1826.07},{"sentences":[{"text":"And I'll just flick you an email to say, hey.","start":1826.07,"end":1827.9299,"sentiment":"neutral","sentiment_score":0.10673073828220367},{"text":"Have a look.","start":1828.23,"end":1828.815,"sentiment":"neutral","sentiment_score":0.0801950953900814},{"text":"Come look.","start":1829.375,"end":1831.635,"sentiment":"neutral","sentiment_score":0.050608884543180466},{"text":"Perfect.","start":1832.8949,"end":1833.3949,"sentiment":"positive","sentiment_score":0.6572153568267822},{"text":"Did you have any other questions at all?","start":1834.8949,"end":1836.835,"sentiment":"neutral","sentiment_score":0.10790436808019876}],"sentiment":"neutral","sentiment_score":0.12206503081445892,"num_words":24,"start":1826.07,"end":1836.835},{"sentences":[{"text":"No.","start":1841.07,"end":1841.47,"sentiment":"neutral","sentiment_score":0.15061306953430176},{"text":"That's okay.","start":1841.47,"end":1842.4299,"sentiment":"neutral","sentiment_score":0.14195050299167633},{"text":"Not a problem at all.","start":1842.4299,"end":1843.97,"sentiment":"neutral","sentiment_score":0.23562822341918946},{"text":"I will yeah.","start":1844.11,"end":1845.07,"sentiment":"neutral","sentiment_score":0.25840769708156586},{"text":"I'll be working and get that all out to you as early next week.","start":1845.07,"end":1848.9299,"sentiment":"neutral","sentiment_score":0.2590003471289362}],"sentiment":"neutral","sentiment_score":0.24055532574653626,"num_words":25,"start":1841.07,"end":1848.9299},{"sentences":[{"text":"No.","start":1852.59,"end":1852.99,"sentiment":"neutral","sentiment_score":0.2850933074951172},{"text":"Absolutely.","start":1852.99,"end":1853.49,"sentiment":"positive","sentiment_score":0.5334985256195068},{"text":"My absolute pleasure, Michael.","start":1854.5651,"end":1856.1051,"sentiment":"positive","sentiment_score":0.6675550192594528},{"text":"If you have any questions, give me a call or you'll have my email by this this evening.","start":1856.245,"end":1860.7251,"sentiment":"neutral","sentiment_score":0.2600710110531913},{"text":"So flick me an email.","start":1860.7251,"end":1861.9451,"sentiment":"neutral","sentiment_score":0.16699392199516297}],"sentiment":"neutral","sentiment_score":0.3105193006581274,"num_words":29,"start":1852.59,"end":1861.9451},{"sentences":[{"text":"Cool.","start":1865.045,"end":1865.365,"sentiment":"positive","sentiment_score":0.476525217294693},{"text":"Alright.","start":1865.365,"end":1865.685,"sentiment":"positive","sentiment_score":0.37929007411003113},{"text":"Well, I'll let you go and enjoy your evening.","start":1865.685,"end":1867.545,"sentiment":"positive","sentiment_score":0.5149770246611701},{"text":"Oh, I'll try.","start":1871.7,"end":1872.68,"sentiment":"neutral","sentiment_score":0.15826505422592163},{"text":"Thanks, Michael.","start":1874.18,"end":1875.08,"sentiment":"positive","sentiment_score":0.36556239426136017}],"sentiment":"positive","sentiment_score":0.4185330290347338,"num_words":16,"start":1865.045,"end":1875.08},{"sentences":[{"text":"Bye.","start":1875.3,"end":1875.8,"sentiment":"neutral","sentiment_score":0.20993337035179135}],"sentiment":"neutral","sentiment_score":0.20993337035179135,"num_words":1,"start":1875.3,"end":1875.8}]}}]},{"alternatives":[{"transcript":"Hello? Michael speaking. I'm good. Thanks, Luisa. How are you? Yeah. Oh, yep. Okay. Good news. I've got it open. Yep. Michael Robert Rogers. 09/12/1992. 223 Ocean Street, North Bondi 2026. Yes. Yep. Mhmm. Yep. Yep. Yep. Yes. Yep. Yes. Yep. Okay. Yep. Yep. All good. Which document sorry. Which document? Is it do I just click on sign document and we just go through it? Or Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. That's that's sitting at around that that's sitting at around, what, $1.45 now, I think. Oh, okay. Yeah. Yes. Yes. Yes. That's fine. Yep. Mhmm. Yeah. Okay. Yeah. Yep. Yep. Yeah. Yep. Yep. Alright. Yep. Well Yeah. Yep. Yep. Yep. I I I'm invested in some ETFs like Vanguard as well, so I've got quite familiar with how they work and if those fees are really low. That's fine. Jesus. I thought I worked hard. That's so tough to say no sometimes, isn't it? Yep. Yep. Yep. Totally get you. Yes. Yep. Mhmm. Yep. Yes. Okay. Crypto. Yeah. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yes. I'm willing to. I'm willing to. Yep. Still young. I don't mind. No problem. Well, is there such a thing as a Bitcoin ETF fund? No. Yep. Okay. Yep. Yeah. I've I've just seen a lot of price moving on Bitcoin. It's it's gone down to 31% so far this year, so I think it's looking like a an opportunity to buy. Yeah. Do they have platform fee? Sorry. Yeah. I just yeah. I yeah. I've just been using exchanges to get Bitcoin. I mean, that's what I've done in the past. I agree. I agree. Well, I'm open to any suggestions you have, really. It doesn't have to be crypto. It can just be whatever other keyed assets, like, forward in that beta alpha beta beta alpha split. Yeah. Oh, wow. That's awesome. Well, that's a magic thing. Yeah. Jeez. Yeah. Mhmm. Yep. Yeah. Yeah. I'm reading it now. It looks really promising. Yeah. Yeah. Yeah. Yep. Yep. Still pretty good. Yep. Yep. Yep. Yep. Gotcha. Yep. Agree. Yeah. I agree. Yeah. I've some of my friends have had close calls of cancer in their thirties. So, yeah, that's you're taken away. Yeah. I think I wanna put, like, my partner and my son in the wheel. Yeah. Okay. So sort of superfluous. Okay. Just go see a partner. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Which will happen. So Yep. Yep. Yep. Agree. Yep. Yeah. Happy with that. Yeah. Yeah. Yep. I'm happy to do that. Okay. Does my partner need to be present for that? Or oh, okay. Yeah. Sweet. Yeah. Fair enough. Yep. Not a problem. Happy day. No. No. I'm I'm super super great. Thank you. Awesome. No worries, Larissa. Thank you. Will do. Happy days. Thanks. You too. Thought it's what you got. Okay. 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Michael speaking. I'm good. Thanks, Luisa. How are you?\n\nYeah. Oh, yep. Okay. Good news. I've got it open.\n\nYep. Michael Robert Rogers. 09/12/1992. 223 Ocean Street, North Bondi 2026. Yes.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYes. Yep. Yes. Yep. Okay.\n\nYep. Yep. All good. Which document sorry. Which document?\n\nIs it do I just click on sign document and we just go through it? Or Yep. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. That's that's sitting at around that that's sitting at around, what, $1.45 now, I think. Oh, okay. Yeah.\n\nYes. Yes. Yes. That's fine. Yep.\n\nMhmm. Yeah. Okay. Yeah. Yep.\n\nYep. Yeah. Yep. Yep. Alright.\n\nYep. Well Yeah. Yep. Yep. Yep.\n\nI I I'm invested in some ETFs like Vanguard as well, so I've got quite familiar with how they work and if those fees are really low. That's fine. Jesus. I thought I worked hard. That's so tough to say no sometimes, isn't it?\n\nYep. Yep. Yep. Totally get you. Yes.\n\nYep. Mhmm. Yep. Yes. Okay.\n\nCrypto. Yeah. Mhmm. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. I'm willing to. I'm willing to. Yep. Still young.\n\nI don't mind. No problem. Well, is there such a thing as a Bitcoin ETF fund? No. Yep.\n\nOkay. Yep. Yeah. I've I've just seen a lot of price moving on Bitcoin. It's it's gone down to 31% so far this year, so I think it's looking like a an opportunity to buy.\n\nYeah. Do they have platform fee? Sorry. Yeah. I just yeah.\n\nI yeah. I've just been using exchanges to get Bitcoin. I mean, that's what I've done in the past. I agree. I agree.\n\nWell, I'm open to any suggestions you have, really. It doesn't have to be crypto. It can just be whatever other keyed assets, like, forward in that beta alpha beta beta alpha split. Yeah. Oh, wow.\n\nThat's awesome. Well, that's a magic thing. Yeah. Jeez. Yeah.\n\nMhmm. Yep. Yeah. Yeah. I'm reading it now.\n\nIt looks really promising. Yeah. Yeah. Yeah. Yep.\n\nYep. Still pretty good. Yep. Yep. Yep.\n\nYep. Gotcha. Yep. Agree. Yeah.\n\nI agree. Yeah. I've some of my friends have had close calls of cancer in their thirties. So, yeah, that's you're taken away. Yeah.\n\nI think I wanna put, like, my partner and my son in the wheel. Yeah. Okay. So sort of superfluous. Okay.\n\nJust go see a partner. Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Which will happen. So Yep. Yep.\n\nYep. Agree. Yep. Yeah. Happy with that.\n\nYeah. Yeah. Yep. I'm happy to do that. Okay.\n\nDoes my partner need to be present for that? Or oh, okay. Yeah. Sweet. Yeah.\n\nFair enough. Yep. Not a problem. Happy day. No.\n\nNo. I'm I'm super super great. Thank you. Awesome. No worries, Larissa.\n\nThank you. Will do. Happy days. Thanks. You too.\n\nThought it's what you got. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.012819310650229454},{"text":"Michael speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.019275463186204433},{"text":"I'm good.","start":6.3999996,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5265750288963318},{"text":"Thanks, Luisa.","start":6.8799996,"end":7.52,"sentiment":"positive","sentiment_score":0.5968151986598969},{"text":"How are you?","start":7.52,"end":8.26,"sentiment":"neutral","sentiment_score":0.28101271390914917}],"sentiment":"neutral","sentiment_score":0.3141188833862543,"num_words":10,"start":1.28,"end":8.26},{"sentences":[{"text":"Yeah.","start":15.925,"end":16.425,"sentiment":"positive","sentiment_score":0.4207010269165039},{"text":"Oh, 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that.","start":1743.92,"end":1744.72,"sentiment":"positive","sentiment_score":0.5754660566647848}],"sentiment":"positive","sentiment_score":0.37648982820766314,"num_words":7,"start":1740.8,"end":1744.72},{"sentences":[{"text":"Yeah.","start":1744.72,"end":1745.22,"sentiment":"neutral","sentiment_score":0.31467902660369873},{"text":"Yeah.","start":1758.735,"end":1759.135,"sentiment":"neutral","sentiment_score":0.1816204339265823},{"text":"Yep.","start":1759.135,"end":1759.635,"sentiment":"neutral","sentiment_score":0.2490665167570114},{"text":"I'm happy to do that.","start":1759.775,"end":1760.995,"sentiment":"positive","sentiment_score":0.6842880249023438},{"text":"Okay.","start":1778.0149,"end":1778.495,"sentiment":"neutral","sentiment_score":0.024116501212120056}],"sentiment":"positive","sentiment_score":0.4656580670012368,"num_words":9,"start":1744.72,"end":1778.495},{"sentences":[{"text":"Does my partner need to be present for that?","start":1778.495,"end":1780.495,"sentiment":"neutral","sentiment_score":-0.007619868032634258},{"text":"Or oh, okay.","start":1780.495,"end":1784.0349,"sentiment":"neutral","sentiment_score":0.0021545343721906343},{"text":"Yeah.","start":1786.095,"end":1786.4149,"sentiment":"neutral","sentiment_score":0.0845547467470169},{"text":"Sweet.","start":1786.4149,"end":1786.9149,"sentiment":"neutral","sentiment_score":0.1639312356710434},{"text":"Yeah.","start":1792.97,"end":1793.29,"sentiment":"neutral","sentiment_score":0.06862461566925049}],"sentiment":"neutral","sentiment_score":0.016999692594011625,"num_words":15,"start":1778.495,"end":1793.29},{"sentences":[{"text":"Fair enough.","start":1793.29,"end":1793.95,"sentiment":"neutral","sentiment_score":0.06731889769434929},{"text":"Yep.","start":1830.27,"end":1830.555,"sentiment":"neutral","sentiment_score":0.05415179580450058},{"text":"Not a problem.","start":1831.3551,"end":1832.175,"sentiment":"neutral","sentiment_score":0.2700810084740321},{"text":"Happy day.","start":1832.875,"end":1833.775,"sentiment":"positive","sentiment_score":0.5122458338737488},{"text":"No.","start":1837.435,"end":1837.675,"sentiment":"neutral","sentiment_score":0.08500640094280243}],"sentiment":"neutral","sentiment_score":0.23428118725617728,"num_words":9,"start":1793.29,"end":1837.675},{"sentences":[{"text":"No.","start":1837.675,"end":1837.915,"sentiment":"neutral","sentiment_score":0.15930162370204926},{"text":"I'm I'm super super great.","start":1837.915,"end":1839.675,"sentiment":"positive","sentiment_score":0.6246236085891723},{"text":"Thank you.","start":1839.675,"end":1840.415,"sentiment":"positive","sentiment_score":0.6294772326946259},{"text":"Awesome.","start":1850.0099,"end":1850.4099,"sentiment":"positive","sentiment_score":0.5714811086654663},{"text":"No worries, Larissa.","start":1850.4099,"end":1851.45,"sentiment":"positive","sentiment_score":0.3533182342847188}],"sentiment":"positive","sentiment_score":0.5144008286297321,"num_words":12,"start":1837.675,"end":1851.45},{"sentences":[{"text":"Thank you.","start":1851.45,"end":1852.11,"sentiment":"positive","sentiment_score":0.4866596460342407},{"text":"Will do.","start":1862.6649,"end":1863.3049,"sentiment":"neutral","sentiment_score":0.20789826661348343},{"text":"Happy days.","start":1863.3049,"end":1867.645,"sentiment":"positive","sentiment_score":0.37135031074285507},{"text":"Thanks.","start":1867.945,"end":1868.445,"sentiment":"positive","sentiment_score":0.4316610097885132},{"text":"You too.","start":1868.63,"end":1869.1901,"sentiment":"neutral","sentiment_score":0.27266430854797363}],"sentiment":"positive","sentiment_score":0.3454228970739577,"num_words":9,"start":1851.45,"end":1869.1901},{"sentences":[{"text":"Thought it's what you got.","start":1869.1901,"end":1870.5701,"sentiment":"neutral","sentiment_score":0.2556197702884674},{"text":"Okay.","start":1876.31,"end":1876.7101,"sentiment":"neutral","sentiment_score":0.11642822623252869},{"text":"Bye.","start":1876.7101,"end":1877.2101,"sentiment":"neutral","sentiment_score":0.08156527578830719}],"sentiment":"neutral","sentiment_score":0.2108703362090247,"num_words":7,"start":1869.1901,"end":1877.2101}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Michael speaking.\n\nChannel 0: Hi, Michael. Larissa from OC Financial. How are you going?\n\nChannel 1: I'm good. Thanks, Luisa. How are you?\n\nChannel 0: Yeah. Good. Thank you. I was just calling so I could go through the advice that I finalized put together.\n\nChannel 1: Yeah.\n\nChannel 0: Amazing. So I sent it to you maybe a couple hours ago, hour ago, something like that, in\n\nChannel 1: Oh,\n\nChannel 0: your\n\nChannel 1: yep.\n\nChannel 0: email. Just wanted to get ahead of the curve. I've had back to back meetings all day. So I just wanted to make sure that they were in your inbox before I gave you a call so that way we could run through them together. Now don't be surprised.\n\nIt probably had landed in your junk box because we are using a new system to issue documents. It's all sort of integrated within our CRM. And it seems that we they are landing in junk more so than not.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Good news.\n\nChannel 0: it\n\nChannel 1: I've got it\n\nChannel 0: oh, happiness.\n\nChannel 1: open. Yep.\n\nChannel 0: So if you open that, it's very similar to the system we used to use. It's a system that enables you to view and authorize documents all at the same time. So we'll run through it together. Now, I guess, before I do jump into it, too far into Sydney. I do want to call you to let you know that our calls are recorded.\n\nIf I could just get you to confirm security for me, it's full name, date of birth at\n\nChannel 1: Michael Robert\n\nChannel 0: Yes.\n\nChannel 1: Rogers. 09/12/1992.\n\nChannel 0: And address for me.\n\nChannel 1: 223 Ocean Street, North Bondi 2026.\n\nChannel 0: Perfect. Alright. So the advice that we put together, nice and pretty straightforward, really, because you only really wanted to focus on, like, superannuation and the investment side. Now I did have a look at where everything is for yourself, and currently, you're in it's like a a hidden portfolio, I guess, we have. It's not something we advertise a lot of, and that's purely simply because not a lot of people are intuitive investors.\n\nSo you have, like, geared assets in your current portfolio. You have Ggust, which is a geared,\n\nChannel 1: Yes.\n\nChannel 0: yeah, which is a geared asset. I can also see that, you know, you do have and you do trade yourself. You have assets and stocks that you personally manage and look after.\n\nChannel 1: Yep.\n\nChannel 0: So I whilst you did complete the investor risk profile with Danis, you came out as a little bit less of an aggressive in through that questionnaire. That questionnaire\n\nChannel 1: Mhmm.\n\nChannel 0: is only a tool, and it's a tool that I personally don't put a massive amount of stock in. The whole point of it is to basically enable an adviser and a and a client to have an intellectual conversation around investing, to be able to open up a client's purview into the world of investing and ultimately get the conversation going.\n\nChannel 1: Yep.\n\nChannel 0: Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix. You are currently kind of like that 120% invested because you've got geared assets. Right?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now I'm gonna take a leap and say that you understand exactly what gearing is and the way that you borrow money to invest.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Obviously, the difference with this is is that you've put money into a fund that is doing the borrowing for you, and you're not actively borrowing.\n\nChannel 1: Yes.\n\nChannel 0: So little bit different to how you would normally gear an asset, but very, very much the same outcome. I very\n\nChannel 1: Yep.\n\nChannel 0: much wanted to keep to that same vein and keep you geared. So I have, in the investment structure wise, kept you in a in that G GAS and geared geared asset. What I have done, though, is I have flipped a lot of the assets, moved some of them to ETFs just for a cheaper cost basis, and it has had a historical better performance as well. So it's still\n\nChannel 1: Okay.\n\nChannel 0: keeping to that that very geared prospect, having that that one gearing. The one thing I guess I wasn't too sure of or wasn't too kind of wanting to push the boundary was whether we kind of go for a little bit more heavily into geared assets or whether you were comfortable keeping it at that sort of 20%. GUS does have a limit on how much you can invest. You can't put a 100% into GUS. The the trustees do obviously have limits because they have a duty to their clientele to make sure that they're not being reckless or unknowingly investing in something that, you know, could end up wrong.\n\nSuperannuation\n\nChannel 1: Yep.\n\nChannel 0: is not something you day trade. It's a long term investment, and, obviously, it's something that you wanna have spread out and and invested in lots of different little pockets, which\n\nChannel 1: Yep.\n\nChannel 0: is exactly what I've done. So I guess if we were to go through the document together, I don't even have it open. I'm only doing this off the top of my head, which is terrible of me. Lucky I remember what I wrote. Hey.\n\nChannel 1: All good.\n\nChannel 0: So\n\nChannel 1: Which document\n\nChannel 0: what?\n\nChannel 1: sorry. Which document? Is it do I just click on sign document and we just go through\n\nChannel 0: Yes.\n\nChannel 1: it? Or\n\nChannel 0: Yeah. Sorry. So if you click on sign documents, so there's a bunch of attachments to the actual email, and they're all the supporting documents. So it's it's PDFs and stuff like that. Nothing exciting in there.\n\nJust documents\n\nChannel 1: Yep.\n\nChannel 0: that I do have to give you. If you go and if you go to sign yeah. Sign here or whatever it says,\n\nChannel 1: Yep. Yep.\n\nChannel 0: that actually brings up the actual statement advice\n\nChannel 1: Yes.\n\nChannel 0: that runs through everything. So it's just,\n\nChannel 1: Yep.\n\nChannel 0: you know, a casual 30 page document, which I'm if I could bring it down to one page, I would be much happier, but Asics doesn't like that. That. So the document, the first two pages basically details the document's a statement of advice. It's basically the crux of everything that we researched and did, that\n\nChannel 1: Yep.\n\nChannel 0: we do have a duty of care and duty of best interest to you. The scope of the advice is superannuation, and I did identify some estate planning that we sort of probably need to clean up a little bit.\n\nChannel 1: Yep.\n\nChannel 0: So we're not looking at your personal insurance because you're currently pretty happy with that. Now if we just kinda jump down because everything else is very much just the details we have on you. So it's\n\nChannel 1: Yep.\n\nChannel 0: got your have to be four. It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super. You have a very small accumulation benefit, but the total sitting around that is, like, $1.12.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: You\n\nChannel 1: Yeah. That's\n\nChannel 0: currently\n\nChannel 1: that's\n\nChannel 0: got\n\nChannel 1: sitting at around that that's sitting at around, what, $1.45 now, I think.\n\nChannel 0: yeah. It will have gone up. We only have a statement from, like, 2021,\n\nChannel 1: Oh,\n\nChannel 0: but\n\nChannel 1: okay.\n\nChannel 0: the military suit is not gonna change. Like, it's gonna obviously increase in value, but it's still a defined benefit. It's still a defined benefit. It's still a defined benefit. It's not like the need\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yes.\n\nChannel 0: launch from on the because it's physically not something I can do anything with.\n\nChannel 1: Yes. Yes. That's fine.\n\nChannel 0: So it yeah. It's it is, you know, balance wise, a little bit out, but it's not something that's drastically causing me hurt.\n\nChannel 1: Yep.\n\nChannel 0: With your insurance, it's listed there. I did wanna include it so that way you still had a an open purview as to where it's at. So we're sitting at sort of 1.2 in the life TBD, and then we've got our IP sitting here at 6,985 a month.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if we jump down to page 15, the rest of the document is basically these are the benefits of retaining your hub twenty four funds. These are the benefits of why I've given the advice, so on and so forth. And I definitely\n\nChannel 1: Yeah.\n\nChannel 0: want you to read it, but I'm not gonna sit here and read it to you, and then we can just kind of talk about it and summarize it.\n\nChannel 1: Okay.\n\nChannel 0: So currently, like, just looking at this table, I know it looks a little bit confusing, but currently, you hold the top, like, eight assets. What I wanna do is sell out of those, like, five of those and buy into one of those being cash and buy into four others. So I wanna\n\nChannel 1: Yeah.\n\nChannel 0: sell out of the battery and lithium, ACDC.\n\nChannel 1: Yep.\n\nChannel 0: I want to sell out of Asia, out\n\nChannel 1: Yep.\n\nChannel 0: of robotics and AI, and out of Bennelong, definitely.\n\nChannel 1: Yeah.\n\nChannel 0: Now Bennelong is it's so Bennelong is an Australian equity fund. It is a they call it an actively managed fund, but it's not. It's actually a high conviction fund. So what the investment managers do is they basically pick assets that they have a high conviction rate that has has long term benefits to the shareholders. And their conviction rate is basically within a five year turnaround time, we're going to get x out of the fund.\n\nNow with their high conviction, obviously, because they have a five year turnaround, you wanna put stock in the conviction that the investment managers have made. Unfortunately, with COVID, their conviction did not come true. And then they have failed and continue to fail to make any changes to that those assets either. So the fund, whilst it has bounced since COVID, just hasn't really had any of the returns that we would hope within the five year time frame since that's happened. So it's\n\nChannel 1: Yep.\n\nChannel 0: very much an asset that we are moving away from. Even after meeting with Benelon and talking about their their Australian equity fund, they're still very much standing behind it and refusing to move.\n\nChannel 1: Yep.\n\nChannel 0: So we're just we're not backing it. We can get exposure elsewhere that doesn't have the same cost basis because it is an expensive fund to invest in. It's point nine of a percent of of an investment fee off the\n\nChannel 1: Alright.\n\nChannel 0: top of my head, which\n\nChannel 1: Yep.\n\nChannel 0: is quite\n\nChannel 1: Well\n\nChannel 0: quite high. Like, granted, you don't have like, you should have been invested, but it's not crazy, crazy high when you can, you know, consider it across a year. But it's still a bit expensive when we consider it, you know, over the long term.\n\nChannel 1: Yeah.\n\nChannel 0: So I wanna move away from there, and what I wanna do is I wanna pull in other assets. So I wanna pull in some cybersecurity. I wanna pull in some Japanese assets. I wanna pull in, you know, other Australian assets and Vanguard assets and, you know, have exposure across the world. And from there, I wanna be able to just diversify us a little bit more, bring down the cost because they are apart from our G Gas, they are all.\n\nChannel 1: Yep. Yep. Yep. I I I'm invested in some ETFs like Vanguard as well, so I've got quite familiar with how they work and if those fees are really low.\n\nChannel 0: Yeah. So it's just gonna bring down that fee fee structure a little bit. I'm just looking at the the API R codes versus the investment names, and I've realized I've mixed some of them up. But that's okay. I can I'll send you a document that's corrected.\n\nI'm\n\nChannel 1: That's\n\nChannel 0: just looking\n\nChannel 1: fine.\n\nChannel 0: at them, and I'm like I was like, that code is definitely does not correlate with that investment. That's what happens when I'm sitting down at 10:00 at night still writing stuff. It was two nights ago, but\n\nChannel 1: Jesus.\n\nChannel 0: oh, I don't\n\nChannel 1: I\n\nChannel 0: think\n\nChannel 1: thought\n\nChannel 0: I've\n\nChannel 1: I\n\nChannel 0: made\n\nChannel 1: worked\n\nChannel 0: it twice.\n\nChannel 1: hard.\n\nChannel 0: I've I'm sitting at twelve hours for the day so far, and this is probably gonna be my shortest day this week. I love what I do, but I'm very busy.\n\nChannel 1: That's so tough to say no sometimes, isn't it?\n\nChannel 0: Always. But at the same time, it's very enjoyable. Like so I'm the head of advice. So I actually like, I manage the advice team in terms of compliance and investment\n\nChannel 1: Yep.\n\nChannel 0: aspects, all that kind of stuff. So I don't always get the most amount of time to actually speak with a client. And I've spent the entire day today just speaking with clients, and it let's just say, cup very full.\n\nChannel 1: Yep. Yep. Totally get you.\n\nChannel 0: Yeah. So if you pop down to page 16, you can kinda see where the variance hits. So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets. So what our investment committee generally looks at is we look at a forty sixty split. Currently, you're sitting basically exactly within that realm of forty, sixty.\n\nChannel 1: Yes.\n\nChannel 0: I'm splitting it up a little bit. So I'm pulling a little bit into an outgrowth asset where you don't currently have anything. Still moving everything and keeping everything into the growth\n\nChannel 1: Yep.\n\nChannel 0: assets. But, you know, it it's very much still a 100% of it's going to be invested. Variance is totally normal. You're never going to have, like, an exact forty, sixty split. Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk.\n\nSo\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: what what this will do is it'll do exactly that. Now if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily. Currently, I would say you are sitting about a 120 probably more like a 110%, like, in your growth assets based on where we're sitting. If you wanna go a little bit heavier, we definitely can. It won't be in Giga, though.\n\nI would have to look at alternative geared assets to be able to to approach that market. There's very\n\nChannel 1: Yes.\n\nChannel 0: limited available within Hub twenty four, but there are still some other gearings that we can do. I don't\n\nChannel 1: Okay.\n\nChannel 0: I'm gonna be clear and say that I don't generally like going to oh my god. What are they called? Bit Bitcoin cryptocurrencies. I don't\n\nChannel 1: Crypto.\n\nChannel 0: generally like going to crypto cryptocurrencies purely because they are too much of a risk. Hub twenty four do not invest in cryptocurrencies. They do, however,\n\nChannel 1: Yeah.\n\nChannel 0: invest in the basically, the sites that support cryptocurrencies, like your\n\nChannel 1: Mhmm.\n\nChannel 0: current coin wallets and stuff like that. So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores. So if I'm going too far, let me know. But alpha and beta is basically any asset that's on the market is tested\n\nChannel 1: Yep.\n\nChannel 0: against similar assets. Right? So if you have Australian\n\nChannel 1: Mhmm.\n\nChannel 0: stocks, they're they're tested against other Australian stocks and so on and so forth. It's called a benchmark. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: every asset has a benchmark that it's tested against. When\n\nChannel 1: Yep.\n\nChannel 0: it comes to an individual stock, it's tested against the benchmark and it get it gets an an alpha and a beta score. And that basically means how is the risk higher or lower than the benchmark, and then is the performance higher or lower than the benchmark. And, realistically, what you want is you want a high alpha, low beta asset. Low\n\nChannel 1: Yep.\n\nChannel 0: beta being that it's lower risk, high alpha being that it's higher performance. So we can definitely\n\nChannel 1: Yep.\n\nChannel 0: target assets that are, and these assets are very targeted towards already within the portfolio. Geoguss sitting a little bit outside of that. These assets are very much targeted towards that high alpha, low beta. Being that they're low cost, being the low beta, they are low risk. They're testing lower than what the benchmark is, but they are\n\nChannel 1: Yes.\n\nChannel 0: forming at a higher rate than what the benchmark is. Now we can still target assets along that range while aiming towards gearing. I wouldn't really wanna get anything more than 40% of the portfolio if you wanted to go more heavily into gearing. I am comfortable with where it's sitting now from an overall perspective, from a ongoing longer term outlook. Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller.\n\nI'm not sure which to say which way it would go with you geared. But we could definitely take the risk and gear it if you were willing to.\n\nChannel 1: I'm willing to.\n\nChannel 0: Okay. That's\n\nChannel 1: I'm\n\nChannel 0: absolutely\n\nChannel 1: willing\n\nChannel 0: fine.\n\nChannel 1: to. Yep.\n\nChannel 0: So\n\nChannel 1: Still young. I\n\nChannel 0: cool. Okay. So what I can do is,\n\nChannel 1: don't\n\nChannel 0: a, I wanna fix up those figures, like, those API archives because they are\n\nChannel 1: mind.\n\nChannel 0: really annoying me. I can't\n\nChannel 1: No\n\nChannel 0: believe\n\nChannel 1: problem.\n\nChannel 0: I actually mixed them all up. I'll fix those APIRs up, and what I'll do is I will look at pulling a little bit more into some gearing. What other avenues would you wanna look at if we did go down that? Like, do you wanna look at some cryptocurrency assets? Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent.\n\nChannel 1: Well, is there such a thing as a Bitcoin ETF fund? No.\n\nChannel 0: No. No. How about what I'll do is I have to pick my kids up tonight. I know. Mother duty is outrageous.\n\nBut once I settle myself down and sit down to work again tonight, I will email you through the couple of assets that are Bitcoin adjacent that Hub twenty four has within the funds that are available. I'll give you some information around them so that way we we can make a little bit more of an educated decision around how we can structure it.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah? Because I know there's two or three. Just can't remember off the top of my head. Good. I'm\n\nChannel 1: Yep.\n\nChannel 0: just not that good.\n\nChannel 1: Yeah. I've I've just seen a lot of price moving on Bitcoin. It's it's gone down to 31% so far this\n\nChannel 0: Yeah.\n\nChannel 1: year, so I think it's looking like a an opportunity to buy.\n\nChannel 0: Yeah. A lot of the time, like, direct Bitcoin purchase, you're better off going straight from a coin wallet, like, direct just because a lot of your major players, like your super funds, stuff like that, do not allow direct purchase. They just they remove themselves from the risk\n\nChannel 1: Yeah. Do they\n\nChannel 0: because\n\nChannel 1: have\n\nChannel 0: they\n\nChannel 1: platform fee?\n\nChannel 0: like, Hub 20\n\nChannel 1: Sorry.\n\nChannel 0: 4 and stuff. Yeah. Yeah. Okay. Yes.\n\nThey yeah. They have platform fees. If you're looking for, like, an investment platform with, like, a really low cost fee for purchases, like that, anything like that. There is Superhero, I think it's called, which are really low cost. I'm just not sure whether they do have access to Bitcoin.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I\n\nChannel 0: I can\n\nChannel 1: just\n\nChannel 0: definitely\n\nChannel 1: yeah.\n\nChannel 0: have a\n\nChannel 1: I\n\nChannel 0: quick look and\n\nChannel 1: yeah. I've just been using exchanges to get Bitcoin.\n\nChannel 0: yep. Yeah. That's fair.\n\nChannel 1: I mean,\n\nChannel 0: So\n\nChannel 1: that's\n\nChannel 0: you're\n\nChannel 1: what I've done\n\nChannel 0: you're\n\nChannel 1: in the\n\nChannel 0: you're\n\nChannel 1: past.\n\nChannel 0: Yeah. You're already pretty. Realistically, I'm I'm more of a try and keep it together ish type of person. Try and avoid having the 50,000 logins and forgetting access\n\nChannel 1: I\n\nChannel 0: to them.\n\nChannel 1: agree. I agree. Well, I'm open to any suggestions you have, really. It doesn't have to be crypto. It can just be whatever other keyed assets, like, forward in that beta alpha\n\nChannel 0: The\n\nChannel 1: beta\n\nChannel 0: beta alpha split. Yeah.\n\nChannel 1: beta alpha split. Yeah.\n\nChannel 0: Yeah. Alright. Cool. Alright. And you're happy to target that, like, lower cost ETF to a degree.\n\nLike, majority of the fund is obviously ETF, so it's bringing the cost down already. Like, your cost savings off the top of my head, which I should remember already, go something from, like, a thousand dollars per annum in the investment fees down to something like 500. 1,000\n\nChannel 1: Oh, wow.\n\nChannel 0: one\n\nChannel 1: That's\n\nChannel 0: 100\n\nChannel 1: awesome.\n\nChannel 0: and 2 down to 479. Oh, that\n\nChannel 1: Well,\n\nChannel 0: was\n\nChannel 1: that's\n\nChannel 0: pretty good\n\nChannel 1: a\n\nChannel 0: off\n\nChannel 1: magic\n\nChannel 0: the top of my head from two nights ago.\n\nChannel 1: thing. Yeah. Jeez. Yeah.\n\nChannel 0: It's your it's your you've been a you've been a long Australian equities because it's got such a high fee, and it does currently make up sort of, like, $40 of your fund or 30 something grand of your fund. So\n\nChannel 1: Mhmm.\n\nChannel 0: that that's why it it's quite high, and then also your ACDC is a little bit up there. That's one of the other ones that is a little bit on the higher side. Yes. So all of those coming off does definitely help to bring that cost down. And then secondarily to that, you know, spreading everything out.\n\nSo I'll look at another even if I look at one or two more geared structures, see if we can slip them in as well and go from there. And what I'll do is once I get it all updated, which I will be able to do by, like, Monday, Tuesday next week. It should be back up easy. I'll do it over the weekend.\n\nChannel 1: Yep.\n\nChannel 0: I will just I'll send it through to you. I'll just correct it and send it through you, and I'll send you an email saying, hey. Take a look at the document. And I'm more than happy if you just wanna come back and say, hey. I wanna talk if you're not happy and sign it.\n\nThe portfolio return is, like, over the last ten years, just over three points or 3%. Higher? Per like, year on year? Sorry?\n\nChannel 1: Yeah. Yeah. I'm reading it now. It looks really promising. Yeah.\n\nChannel 0: Oh. Oh, you're already, like, a thousand times. Well, you're way past me. Outside of that, the couple of things, I guess, I wanted to draw attention to were probably estate planning wise. As I understand, you are partnered.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: defacto now. So there's a couple\n\nChannel 1: Yeah.\n\nChannel 0: of avenues that we can definitely take. One, you have a lot of personal assets. They will all fall under your estate. All your your crypto, the cars, the everything like that, they fall under the estate. And I wanna make sure that we protect them.\n\nI wanna make sure that we get them to the right place that they need to go in the event that something happens to you. Because you're a a massing, a nice, healthy little egg. A will is gonna be the the way to proceed for all of those estate assets.\n\nChannel 1: Yep.\n\nChannel 0: You can do it a couple of different ways. Lawyer, you're looking at anywhere between sort of maybe 5 to $1,000 for a will and the power of attorney document.\n\nChannel 1: Yep.\n\nChannel 0: You can do it yourself through, like, will. You're looking at maybe a couple 100. And based on your current position, we're not gonna need a complex will. Like, we're not gonna need a trust or anything like that. If we're\n\nChannel 1: Still\n\nChannel 0: looking\n\nChannel 1: pretty\n\nChannel 0: at\n\nChannel 1: good.\n\nChannel 0: yeah. We're looking at trust structures. We're looking at, like, $5 to set up a trust, but, otherwise, pretty low in in terms of cost. With your superannuation fund, there's one of two options you have available to you. You can either, a, have your superannuation fund form part of your estate, which means that your will is going to dictate where that money goes.\n\nIt means that you can nominate whoever you want. So the best friend that you've had for the last twenty years can get the money from your super fund. Or the other option is is that you can nominate a direct person. The only people that are able to be nominated directly are spouses, so your partner, children,\n\nChannel 1: Yep.\n\nChannel 0: irrespective of the age that that child is, or a financial dependent, I e, if you and your best mate buy a house together, live together, and are and are relying on each other financially for as long as that\n\nChannel 1: Yep.\n\nChannel 0: financial relationship exists.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Gotcha.\n\nChannel 0: those are basically the three relationships that we can do direct through your super fund. And I wanna make sure that we set things up properly. Last time I acknowledge that you were extremely young, still important to have it set up. I\n\nChannel 1: Yep.\n\nChannel 0: have unfortunately\n\nChannel 1: Agree.\n\nChannel 0: lost quite a number of 30 year old clients in\n\nChannel 1: Yeah.\n\nChannel 0: my decade.\n\nChannel 1: I agree. Yeah. I've some of my friends have had close calls of cancer in their thirties. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: that's you're taken away.\n\nChannel 0: Yeah. So do you have any concept as to who you would wanna nominate? Because I can get the beneficiary nomination form out to you and get that all hunkered down. And then it's just a matter of how you wanna proceed will wise with either a solicitor or personally.\n\nChannel 1: Yeah. I think I wanna put, like, my partner and\n\nChannel 0: Yeah.\n\nChannel 1: my son in the wheel.\n\nChannel 0: In a will? Yeah. 100100%. I can't do your will, but your beneficiary nomination form, I can definitely do.\n\nChannel 1: Yeah.\n\nChannel 0: I'm gonna be really clear with this. Your son is still really young. If you nominate your son, what you are doing is you are forcing additional paperwork on your partner. And what is gonna happen is your partner ends up with money anyway.\n\nChannel 1: Okay. So sort\n\nChannel 0: Yep.\n\nChannel 1: of superfluous.\n\nChannel 0: Little bit. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Everyone tries to do it. Like, I want my want my children to have money as well. But, realistically, if something happens to you tomorrow, you know, as\n\nChannel 1: Just go\n\nChannel 0: he would,\n\nChannel 1: see a partner. Yeah.\n\nChannel 0: your partner's gonna get it. Your partner's gonna use it to look after your child.\n\nChannel 1: Yeah.\n\nChannel 0: If something happens to you in eighteen years and all of a sudden you've got a grown up child who's out there, you know, leaving a car and wherever else, 100%. And that's something we can update in couple decades time as life\n\nChannel 1: Yep.\n\nChannel 0: is on. You can\n\nChannel 1: Yep.\n\nChannel 0: go and do updates, and you can go, hey. Actually, now I wanna make sure that my kid has money as well. Or\n\nChannel 1: Yeah.\n\nChannel 0: because your partner's always gonna be a tax free recipient of any superannuation and insurance funds, we keep it with your partner, and then you just trust and rely that your partner's gonna give a little bit of money to your kid.\n\nChannel 1: Yeah. Which will\n\nChannel 0: But\n\nChannel 1: happen.\n\nChannel 0: that's\n\nChannel 1: So\n\nChannel 0: a conversation for later us.\n\nChannel 1: Yep.\n\nChannel 0: Right now\n\nChannel 1: Yep.\n\nChannel 0: us, paperwork wise, it's quickest to get it straight to a bus stop and tax\n\nChannel 1: Yep.\n\nChannel 0: free\n\nChannel 1: Agree.\n\nChannel 0: and less\n\nChannel 1: Yep.\n\nChannel 0: of a headache.\n\nChannel 1: Yeah. Happy with that. Yeah.\n\nChannel 0: Yeah. Perfect. Do you want me to presale the details, or do you want me to just get your I'll I'll pop your details on the form. I'll send it to you, and you can put the details in. It's like full name, date of birth, address, which would be the same as your address.\n\nChannel 1: Yeah. Yep. I'm happy to do\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Cool. I'll I'll get that out of the house within the next couple days to you so that way that can be signed. It needs to be witnessed and not by your partner. Take it to work and get the mates at work to to witness, so that's fine.\n\nChannel 1: Okay. Does my partner need to be present for that? Or\n\nChannel 0: No. Not at all. No. You can do it behind\n\nChannel 1: oh, okay.\n\nChannel 0: the back. Just just\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Sweet.\n\nChannel 0: sign it and you get, like, two of them. I\n\nChannel 1: Yeah. Fair enough.\n\nChannel 0: mean, it's probably nice to tell your partner that you're doing it, but they doesn't need to know. So outside of that, what I'll do is I'll rework the feedback just a little bit just to go a little heavier on the kid. I might just be doing a familiar with me. I just have this awful feeling. Not awful.\n\nIt's pretty ebb feeling, really. You were gonna wanna go a little heavier. So I will get get that in, and then I'll I'll resend the documents to you. And I'll just flick you an email to say, hey. Have a look.\n\nCome\n\nChannel 1: Yep.\n\nChannel 0: look.\n\nChannel 1: Not a problem. Happy\n\nChannel 0: Perfect.\n\nChannel 1: day.\n\nChannel 0: Did you have any other questions at all?\n\nChannel 1: No. No. I'm I'm super super great. Thank you.\n\nChannel 0: No. That's okay. Not a problem at all. I will yeah. I'll be working and get that all out to you as early next week.\n\nChannel 1: Awesome. No worries, Larissa. Thank you.\n\nChannel 0: No. Absolutely. My absolute pleasure, Michael. If you have any questions, give me a call or you'll have my email by this this evening. So flick me an email.\n\nChannel 1: Will do. Happy\n\nChannel 0: Cool. Alright. Well, I'll let you go and enjoy your evening.\n\nChannel 1: days. Thanks. You too. Thought it's what you got.\n\nChannel 0: Oh, I'll try. Thanks, Michael. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.012819310650229454},{"text":"Michael speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.019275463186204433}],"sentiment":"neutral","sentiment_score":0.01712341234087944,"channel":1,"num_words":3,"start":1.28,"end":2.42},{"sentences":[{"text":"Hi, Michael.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.12639732658863068},{"text":"Larissa from OC Financial.","start":3.84,"end":5.12,"sentiment":"neutral","sentiment_score":0.15281996130943298},{"text":"How are you going?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.19137796759605408}],"sentiment":"neutral","sentiment_score":0.16295863687992096,"channel":0,"num_words":10,"start":3.04,"end":6.02},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5265750288963318},{"text":"Thanks, Luisa.","start":6.8799996,"end":7.52,"sentiment":"positive","sentiment_score":0.5968151986598969},{"text":"How are you?","start":7.52,"end":8.26,"sentiment":"neutral","sentiment_score":0.28101271390914917}],"sentiment":"positive","sentiment_score":0.441402656691415,"channel":1,"num_words":7,"start":6.3999996,"end":8.26},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.96,"sentiment":"neutral","sentiment_score":0.2902819812297821},{"text":"Good.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.5120862722396851},{"text":"Thank you.","start":9.5199995,"end":10.42,"sentiment":"positive","sentiment_score":0.6020640432834625},{"text":"I was just calling so I could go through the advice that I finalized put together.","start":10.719999,"end":15.205,"sentiment":"neutral","sentiment_score":0.2845265259966254}],"sentiment":"neutral","sentiment_score":0.32794603779911996,"channel":0,"num_words":20,"start":8.559999,"end":15.205},{"sentences":[{"text":"Yeah.","start":15.925,"end":16.425,"sentiment":"positive","sentiment_score":0.4207010269165039}],"sentiment":"positive","sentiment_score":0.4207010269165039,"channel":1,"num_words":1,"start":15.925,"end":16.425},{"sentences":[{"text":"Amazing.","start":17.425,"end":17.925,"sentiment":"positive","sentiment_score":0.5551414489746094},{"text":"So I sent it to you maybe a couple hours ago, hour ago, something like that, in","start":18.465,"end":25.904999,"sentiment":"neutral","sentiment_score":0.15795130063505733}],"sentiment":"neutral","sentiment_score":0.18001741998725468,"channel":0,"num_words":18,"start":17.425,"end":25.904999},{"sentences":[{"text":"Oh,","start":25.765,"end":25.925,"sentiment":"neutral","sentiment_score":0.0945979654788971}],"sentiment":"neutral","sentiment_score":0.0945979654788971,"channel":1,"num_words":1,"start":25.765,"end":25.925},{"sentences":[{"text":"your","start":25.904999,"end":26.225,"sentiment":"neutral","sentiment_score":0.1158742755651474}],"sentiment":"neutral","sentiment_score":0.1158742755651474,"channel":0,"num_words":1,"start":25.904999,"end":26.225},{"sentences":[{"text":"yep.","start":25.925,"end":26.425,"sentiment":"neutral","sentiment_score":0.13684974610805511}],"sentiment":"neutral","sentiment_score":0.13684974610805511,"channel":1,"num_words":1,"start":25.925,"end":26.425},{"sentences":[{"text":"email.","start":26.225,"end":26.625,"sentiment":"neutral","sentiment_score":0.18946538865566256},{"text":"Just wanted to get ahead of the curve.","start":26.625,"end":28.225,"sentiment":"positive","sentiment_score":0.3762654885649681},{"text":"I've had back to back meetings all day.","start":28.225,"end":30.560001,"sentiment":"neutral","sentiment_score":0.10987001936882734},{"text":"So I just wanted to make sure that they were in your inbox before I gave you a call so that way we could run through them together.","start":30.78,"end":37.760002,"sentiment":"neutral","sentiment_score":0.16510428062507085},{"text":"Now don't be surprised.","start":38.06,"end":39.34,"sentiment":"neutral","sentiment_score":-0.12288218922913074}],"sentiment":"neutral","sentiment_score":0.1675498071981936,"channel":0,"num_words":49,"start":26.225,"end":39.34},{"sentences":[{"text":"It probably had landed in your junk box because we are using a new system to issue documents.","start":39.34,"end":45.825,"sentiment":"neutral","sentiment_score":-0.3006214689877298},{"text":"It's all sort of integrated within our CRM.","start":45.825,"end":47.925,"sentiment":"neutral","sentiment_score":-0.1572317834943533},{"text":"And it seems that we they are landing in junk more so than not.","start":49.425,"end":53.265,"sentiment":"neutral","sentiment_score":-0.33153230058295385}],"sentiment":"neutral","sentiment_score":-0.2827623229473829,"channel":0,"num_words":40,"start":39.34,"end":53.265},{"sentences":[{"text":"Okay.","start":53.155,"end":53.655,"sentiment":"neutral","sentiment_score":0.03822385519742966}],"sentiment":"neutral","sentiment_score":0.03822385519742966,"channel":1,"num_words":1,"start":53.155,"end":53.655},{"sentences":[{"text":"So","start":53.265,"end":53.765,"sentiment":"neutral","sentiment_score":0.11162867397069932}],"sentiment":"neutral","sentiment_score":0.11162867397069932,"channel":0,"num_words":1,"start":53.265,"end":53.765},{"sentences":[{"text":"Good news.","start":54.195,"end":54.934998,"sentiment":"neutral","sentiment_score":0.32323504984378815}],"sentiment":"neutral","sentiment_score":0.32323504984378815,"channel":1,"num_words":2,"start":54.195,"end":54.934998},{"sentences":[{"text":"it","start":54.88,"end":55.38,"sentiment":"neutral","sentiment_score":0.28044888377189636}],"sentiment":"neutral","sentiment_score":0.28044888377189636,"channel":0,"num_words":1,"start":54.88,"end":55.38},{"sentences":[{"text":"I've got it","start":55.41,"end":56.39,"sentiment":"positive","sentiment_score":0.3654116094112396}],"sentiment":"positive","sentiment_score":0.3654116094112396,"channel":1,"num_words":3,"start":55.41,"end":56.39},{"sentences":[{"text":"oh, happiness.","start":57.04,"end":57.86,"sentiment":"positive","sentiment_score":0.3990788459777832}],"sentiment":"positive","sentiment_score":0.3990788459777832,"channel":0,"num_words":2,"start":57.04,"end":57.86},{"sentences":[{"text":"open.","start":59.65,"end":59.9,"sentiment":"neutral","sentiment_score":0.1760333776473999},{"text":"Yep.","start":59.9,"end":60.4,"sentiment":"neutral","sentiment_score":0.08238214254379272}],"sentiment":"neutral","sentiment_score":0.1292077600955963,"channel":1,"num_words":2,"start":59.65,"end":60.4},{"sentences":[{"text":"So if you open that, it's very similar to the system we used to use.","start":60.16,"end":65.44,"sentiment":"neutral","sentiment_score":0.07667005235950151},{"text":"It's a system that enables you to view and authorize documents all at the same time.","start":65.44,"end":70.975,"sentiment":"neutral","sentiment_score":0.15726575488224626},{"text":"So we'll run through it together.","start":71.515,"end":73.775,"sentiment":"neutral","sentiment_score":0.1250770352780819},{"text":"Now, I guess, before I do jump into it, too far into Sydney.","start":75.835,"end":79.935,"sentiment":"neutral","sentiment_score":0.021622313902928278},{"text":"I do want to call you to let you know that our calls are recorded.","start":80.235,"end":82.815,"sentiment":"neutral","sentiment_score":0.05662069320678711}],"sentiment":"neutral","sentiment_score":0.08534100852333583,"channel":0,"num_words":65,"start":60.16,"end":82.815},{"sentences":[{"text":"If I could just get you to confirm security for me, it's full name, date of birth at","start":83.5,"end":87.259995,"sentiment":"neutral","sentiment_score":0.04475871328678396}],"sentiment":"neutral","sentiment_score":0.04475871328678396,"channel":0,"num_words":18,"start":83.5,"end":87.259995},{"sentences":[{"text":"Michael Robert","start":89.28,"end":89.92,"sentiment":"neutral","sentiment_score":0.02879367209970951}],"sentiment":"neutral","sentiment_score":0.02879367209970951,"channel":1,"num_words":2,"start":89.28,"end":89.92},{"sentences":[{"text":"Yes.","start":89.87333,"end":90.37333,"sentiment":"neutral","sentiment_score":0.027428193017840385}],"sentiment":"neutral","sentiment_score":0.027428193017840385,"channel":0,"num_words":1,"start":89.87333,"end":90.37333},{"sentences":[{"text":"Rogers.","start":89.92,"end":90.42,"sentiment":"neutral","sentiment_score":0.0182704646140337},{"text":"09/12/1992.","start":90.48,"end":92.355,"sentiment":"neutral","sentiment_score":0.009428950026631355}],"sentiment":"neutral","sentiment_score":0.013849707320332527,"channel":1,"num_words":2,"start":89.92,"end":92.355},{"sentences":[{"text":"And address for me.","start":95.1,"end":96.105,"sentiment":"neutral","sentiment_score":0.014326995704323053}],"sentiment":"neutral","sentiment_score":0.014326995704323053,"channel":0,"num_words":4,"start":95.1,"end":96.105},{"sentences":[{"text":"223 Ocean Street, North Bondi 2026.","start":97.635,"end":101.255005,"sentiment":"neutral","sentiment_score":0.022249627547959488}],"sentiment":"neutral","sentiment_score":0.022249627547959488,"channel":1,"num_words":6,"start":97.635,"end":101.255005},{"sentences":[{"text":"Perfect.","start":102.025,"end":102.525,"sentiment":"positive","sentiment_score":0.3396652638912201},{"text":"Alright.","start":102.825005,"end":103.325005,"sentiment":"neutral","sentiment_score":0.2073802947998047},{"text":"So the advice that we put together, nice and pretty straightforward, really, because you only really wanted to focus on, like, superannuation and the investment side.","start":104.265,"end":115.76,"sentiment":"neutral","sentiment_score":0.20648827403783798},{"text":"Now I did have a look at where everything is for yourself, and currently, you're in it's like a a hidden portfolio, I guess, we have.","start":116.7,"end":131.175,"sentiment":"neutral","sentiment_score":0.026946944041320912},{"text":"It's not something we advertise a lot of, and that's purely simply because not a lot of people are intuitive investors.","start":132.275,"end":143.62001,"sentiment":"neutral","sentiment_score":0.014092248642728442}],"sentiment":"neutral","sentiment_score":0.09216397933661938,"channel":0,"num_words":75,"start":102.025,"end":143.62001},{"sentences":[{"text":"So you have, like, geared assets in your current portfolio.","start":144.72,"end":147.68001,"sentiment":"neutral","sentiment_score":0.04179032385582104},{"text":"You have Ggust, which is a geared,","start":147.68001,"end":150.02,"sentiment":"neutral","sentiment_score":0.13525143159287317}],"sentiment":"neutral","sentiment_score":0.08027430939460721,"channel":0,"num_words":17,"start":144.72,"end":150.02},{"sentences":[{"text":"Yes.","start":149.625,"end":150.125,"sentiment":"neutral","sentiment_score":0.30358073115348816}],"sentiment":"neutral","sentiment_score":0.30358073115348816,"channel":1,"num_words":1,"start":149.625,"end":150.125},{"sentences":[{"text":"yeah, which is a geared asset.","start":150.40001,"end":151.755,"sentiment":"neutral","sentiment_score":0.3161451866229375},{"text":"I can also see that, you know, you do have and you do trade yourself.","start":152.63501,"end":156.875,"sentiment":"positive","sentiment_score":0.3357181042432785},{"text":"You have assets and stocks that you personally manage and look after.","start":156.875,"end":160.255,"sentiment":"neutral","sentiment_score":0.2951225017507871}],"sentiment":"neutral","sentiment_score":0.3173973546786742,"channel":0,"num_words":33,"start":150.40001,"end":160.255},{"sentences":[{"text":"Yep.","start":160.92,"end":161.42,"sentiment":"neutral","sentiment_score":0.21859756112098697}],"sentiment":"neutral","sentiment_score":0.21859756112098697,"channel":1,"num_words":1,"start":160.92,"end":161.42},{"sentences":[{"text":"So I whilst you did complete the investor risk profile with Danis, you came out as a little bit less of an aggressive in through that questionnaire.","start":161.435,"end":171.18,"sentiment":"neutral","sentiment_score":0.07517767656180593},{"text":"That 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going.","start":180.375,"end":198.51,"sentiment":"positive","sentiment_score":0.5107047041488249}],"sentiment":"positive","sentiment_score":0.37764057444949306,"channel":0,"num_words":62,"start":172.43999,"end":198.51},{"sentences":[{"text":"Yep.","start":199.20499,"end":199.70499,"sentiment":"neutral","sentiment_score":0.2489438503980637}],"sentiment":"neutral","sentiment_score":0.2489438503980637,"channel":1,"num_words":1,"start":199.20499,"end":199.70499},{"sentences":[{"text":"Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix.","start":200.48999,"end":216.115,"sentiment":"neutral","sentiment_score":0.1324299704283476},{"text":"You are currently kind of like that 120% invested because you've got geared 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just,","start":381.11502,"end":381.995,"sentiment":"neutral","sentiment_score":-0.006375314978261788}],"sentiment":"neutral","sentiment_score":0.011414040811359882,"channel":0,"num_words":7,"start":379.275,"end":381.995},{"sentences":[{"text":"Yep.","start":381.795,"end":382.295,"sentiment":"neutral","sentiment_score":0.005710185971111059}],"sentiment":"neutral","sentiment_score":0.005710185971111059,"channel":1,"num_words":1,"start":381.795,"end":382.295},{"sentences":[{"text":"you know, a casual 30 page document, which I'm if I could bring it down to one page, I would be much happier, but Asics doesn't like that.","start":381.995,"end":391.61502,"sentiment":"neutral","sentiment_score":-0.13468702536608493},{"text":"That.","start":393.57,"end":393.65002,"sentiment":"neutral","sentiment_score":-0.08053280413150787},{"text":"So the document, the first two pages basically details the document's a statement of 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bit.","start":408.095,"end":414.595,"sentiment":"neutral","sentiment_score":-0.0015712116773311908}],"sentiment":"neutral","sentiment_score":0.030303181055933236,"channel":0,"num_words":40,"start":405.055,"end":414.595},{"sentences":[{"text":"Yep.","start":415.19,"end":415.69,"sentiment":"neutral","sentiment_score":0.16059307754039764}],"sentiment":"neutral","sentiment_score":0.16059307754039764,"channel":1,"num_words":1,"start":415.19,"end":415.69},{"sentences":[{"text":"So we're not looking at your personal insurance because you're currently pretty happy with that.","start":416.175,"end":422.16998,"sentiment":"neutral","sentiment_score":-0.00888792739957959},{"text":"Now if we just kinda jump down because everything else is very much just the details we have on you.","start":422.16998,"end":429.21,"sentiment":"neutral","sentiment_score":0.10101437009871006},{"text":"So it's","start":429.21,"end":430.41,"sentiment":"neutral","sentiment_score":0.09671947732567787}],"sentiment":"neutral","sentiment_score":0.05622722826032062,"channel":0,"num_words":37,"start":416.175,"end":430.41},{"sentences":[{"text":"Yep.","start":430.32498,"end":430.82498,"sentiment":"neutral","sentiment_score":0.10038261860609056}],"sentiment":"neutral","sentiment_score":0.10038261860609056,"channel":1,"num_words":1,"start":430.32498,"end":430.82498},{"sentences":[{"text":"got your have to be four.","start":430.41,"end":431.44998,"sentiment":"neutral","sentiment_score":0.0760474403699239},{"text":"It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super.","start":431.44998,"end":440.66498,"sentiment":"neutral","sentiment_score":0.13267154577705595},{"text":"You have a very small accumulation benefit, but the total sitting around that is, 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at around that that's sitting at around, what, $1.45 now, I think.","start":448.065,"end":453.605,"sentiment":"neutral","sentiment_score":0.002939025083413491}],"sentiment":"neutral","sentiment_score":0.002939025083413491,"channel":1,"num_words":13,"start":448.065,"end":453.605},{"sentences":[{"text":"yeah.","start":454.42,"end":454.74,"sentiment":"neutral","sentiment_score":0.01866006664931774},{"text":"It will have gone up.","start":454.74,"end":456.12,"sentiment":"neutral","sentiment_score":0.008606777340173722},{"text":"We only have a statement from, like, 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not gonna change.","start":462.425,"end":464.76498,"sentiment":"neutral","sentiment_score":-0.13816424352782114},{"text":"Like, it's gonna obviously increase in value, but it's still a defined benefit.","start":464.82498,"end":469.21255,"sentiment":"neutral","sentiment_score":0.023206070352059145},{"text":"It's still a defined benefit.","start":469.21255,"end":469.21698,"sentiment":"neutral","sentiment_score":0.08350316360592842},{"text":"It's still a defined benefit.","start":469.21698,"end":469.22144,"sentiment":"neutral","sentiment_score":0.07767729833722115},{"text":"It's not like the 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profile wise, realistically, an aggressive investor is someone who's in everything in growth assets.","start":833.015,"end":842.99,"sentiment":"neutral","sentiment_score":0.026885051978752017},{"text":"So what our investment committee generally looks at is we look at a forty sixty split.","start":843.29,"end":847.39,"sentiment":"neutral","sentiment_score":0.029535394278354943},{"text":"Currently, you're sitting basically exactly within that realm of forty, sixty.","start":848.81,"end":853.945,"sentiment":"neutral","sentiment_score":0.014690657188607887}],"sentiment":"neutral","sentiment_score":0.03132154068443924,"channel":0,"num_words":60,"start":827.65497,"end":853.945},{"sentences":[{"text":"Yes.","start":854.95,"end":855.255,"sentiment":"neutral","sentiment_score":0.0936453640460968}],"sentiment":"neutral","sentiment_score":0.0936453640460968,"channel":1,"num_words":1,"start":854.95,"end":855.255},{"sentences":[{"text":"I'm splitting it up a little bit.","start":855.525,"end":857.22504,"sentiment":"neutral","sentiment_score":0.06469411669032914},{"text":"So I'm pulling a little bit into an outgrowth asset where you don't currently have anything.","start":857.365,"end":863.78503,"sentiment":"neutral","sentiment_score":0.03587497503031045},{"text":"Still moving everything and keeping everything into the growth","start":863.84503,"end":867.14996,"sentiment":"neutral","sentiment_score":0.07611189451482561}],"sentiment":"neutral","sentiment_score":0.05349579587345943,"channel":0,"num_words":32,"start":855.525,"end":867.14996},{"sentences":[{"text":"Yep.","start":868.455,"end":868.8,"sentiment":"neutral","sentiment_score":0.07877763360738754}],"sentiment":"neutral","sentiment_score":0.07877763360738754,"channel":1,"num_words":1,"start":868.455,"end":868.8},{"sentences":[{"text":"assets.","start":869.20996,"end":869.70996,"sentiment":"neutral","sentiment_score":0.06543578952550888},{"text":"But, you know, it it's very much still a 100% of it's going to be invested.","start":870.25,"end":874.11,"sentiment":"neutral","sentiment_score":0.07797899493016303},{"text":"Variance is totally normal.","start":876.41,"end":878.02997,"sentiment":"neutral","sentiment_score":-0.0406416105106473},{"text":"You're never going to have, like, an exact forty, sixty split.","start":878.17,"end":881.245,"sentiment":"neutral","sentiment_score":-0.12569621747190302},{"text":"Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk.","start":882.105,"end":895.92,"sentiment":"neutral","sentiment_score":-0.08094776734229057}],"sentiment":"neutral","sentiment_score":-0.04351596687994306,"channel":0,"num_words":63,"start":869.20996,"end":895.92},{"sentences":[{"text":"So","start":896.16,"end":896.66,"sentiment":"neutral","sentiment_score":-0.0049745067954063416}],"sentiment":"neutral","sentiment_score":-0.0049745067954063416,"channel":0,"num_words":1,"start":896.16,"end":896.66},{"sentences":[{"text":"Mhmm.","start":897.39,"end":897.89,"sentiment":"neutral","sentiment_score":0.014841919764876366},{"text":"Yep.","start":898.19,"end":898.69,"sentiment":"neutral","sentiment_score":0.06587886810302734}],"sentiment":"neutral","sentiment_score":0.040360393933951855,"channel":1,"num_words":2,"start":897.39,"end":898.69},{"sentences":[{"text":"what what this will do is it'll do exactly that.","start":899.51996,"end":902.1,"sentiment":"neutral","sentiment_score":0.07215148881077767},{"text":"Now if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily.","start":902.32,"end":913.295,"sentiment":"neutral","sentiment_score":-0.011988064336280028},{"text":"Currently, I would say you are sitting about a 120 probably more like a 110%, like, in your growth assets based on where we're sitting.","start":913.915,"end":924.44,"sentiment":"neutral","sentiment_score":-0.01550633329898119},{"text":"If you wanna go a little bit heavier, we definitely can.","start":924.9,"end":928.04,"sentiment":"neutral","sentiment_score":-0.037357824769887055},{"text":"It won't be in Giga, though.","start":929.06,"end":930.76,"sentiment":"neutral","sentiment_score":-0.11061642318964005}],"sentiment":"neutral","sentiment_score":-0.01341975592758234,"channel":0,"num_words":82,"start":899.51996,"end":930.76},{"sentences":[{"text":"I would have to look at alternative geared assets to be able to to approach that market.","start":930.82,"end":938.665,"sentiment":"neutral","sentiment_score":-0.05903006038245033},{"text":"There's very","start":938.885,"end":939.525,"sentiment":"neutral","sentiment_score":-0.04002176411449909}],"sentiment":"neutral","sentiment_score":-0.05702918709108704,"channel":0,"num_words":19,"start":930.82,"end":939.525},{"sentences":[{"text":"Yes.","start":939.515,"end":940.015,"sentiment":"neutral","sentiment_score":-0.041231706738471985}],"sentiment":"neutral","sentiment_score":-0.041231706738471985,"channel":1,"num_words":1,"start":939.515,"end":940.015},{"sentences":[{"text":"limited available within Hub twenty four, but there are still some other gearings that we can do.","start":939.525,"end":945.305,"sentiment":"neutral","sentiment_score":-0.06389530698823578},{"text":"I don't","start":945.445,"end":945.845,"sentiment":"neutral","sentiment_score":-0.16237503290176392}],"sentiment":"neutral","sentiment_score":-0.0742615939265019,"channel":0,"num_words":19,"start":939.525,"end":945.845},{"sentences":[{"text":"Okay.","start":945.77,"end":946.27,"sentiment":"neutral","sentiment_score":-0.15673545002937317}],"sentiment":"neutral","sentiment_score":-0.15673545002937317,"channel":1,"num_words":1,"start":945.77,"end":946.27},{"sentences":[{"text":"I'm gonna be clear and say that I don't generally like going to oh my god.","start":946.245,"end":953.64,"sentiment":"neutral","sentiment_score":-0.1686384784989059},{"text":"What are they called?","start":953.64,"end":954.54,"sentiment":"neutral","sentiment_score":-0.06901519745588303},{"text":"Bit Bitcoin cryptocurrencies.","start":955.16,"end":959.34,"sentiment":"neutral","sentiment_score":-0.03239869078000387},{"text":"I don't","start":959.56,"end":960.2,"sentiment":"neutral","sentiment_score":-0.2852613553404808}],"sentiment":"neutral","sentiment_score":-0.14567980915308,"channel":0,"num_words":25,"start":946.245,"end":960.2},{"sentences":[{"text":"Crypto.","start":959.925,"end":960.425,"sentiment":"neutral","sentiment_score":-0.2350727021694183}],"sentiment":"neutral","sentiment_score":-0.2350727021694183,"channel":1,"num_words":1,"start":959.925,"end":960.425},{"sentences":[{"text":"generally like going to crypto cryptocurrencies purely because they are too much of a risk.","start":960.2,"end":964.425,"sentiment":"negative","sentiment_score":-0.4052228977282842},{"text":"Hub twenty four do not invest in cryptocurrencies.","start":964.58496,"end":966.605,"sentiment":"neutral","sentiment_score":-0.16025850735604763},{"text":"They do, however,","start":967.14496,"end":968.205,"sentiment":"neutral","sentiment_score":0.0021663717925548566}],"sentiment":"neutral","sentiment_score":-0.28284278497673,"channel":0,"num_words":26,"start":960.2,"end":968.205},{"sentences":[{"text":"Yeah.","start":967.76495,"end":968.01,"sentiment":"neutral","sentiment_score":0.04836221784353256}],"sentiment":"neutral","sentiment_score":0.04836221784353256,"channel":1,"num_words":1,"start":967.76495,"end":968.01},{"sentences":[{"text":"invest in the basically, the sites that support cryptocurrencies, like your","start":968.90497,"end":976.5,"sentiment":"neutral","sentiment_score":0.08482810109853745}],"sentiment":"neutral","sentiment_score":0.08482810109853745,"channel":0,"num_words":11,"start":968.90497,"end":976.5},{"sentences":[{"text":"Mhmm.","start":976.49,"end":976.99,"sentiment":"neutral","sentiment_score":0.041196081787347794}],"sentiment":"neutral","sentiment_score":0.041196081787347794,"channel":1,"num_words":1,"start":976.49,"end":976.99},{"sentences":[{"text":"current coin wallets and stuff like that.","start":976.58,"end":978.44,"sentiment":"neutral","sentiment_score":0.0012061606560434615},{"text":"So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores.","start":979.46,"end":992.565,"sentiment":"neutral","sentiment_score":-0.12523836852051318},{"text":"So if I'm going too far, let me know.","start":992.625,"end":995.745,"sentiment":"neutral","sentiment_score":-0.03468306507501337},{"text":"But alpha and beta is basically any asset that's on the market is tested","start":995.745,"end":1006.74,"sentiment":"neutral","sentiment_score":0.07930824320231165}],"sentiment":"neutral","sentiment_score":-0.05162930401462701,"channel":0,"num_words":62,"start":976.58,"end":1006.74},{"sentences":[{"text":"Yep.","start":1006.52997,"end":1006.905,"sentiment":"neutral","sentiment_score":0.06849895417690277}],"sentiment":"neutral","sentiment_score":0.06849895417690277,"channel":1,"num_words":1,"start":1006.52997,"end":1006.905},{"sentences":[{"text":"against similar assets.","start":1007.6,"end":1009.62,"sentiment":"neutral","sentiment_score":0.06448604166507721},{"text":"Right?","start":1009.68,"end":1010.0,"sentiment":"neutral","sentiment_score":0.054772645235061646},{"text":"So if you have Australian","start":1010.0,"end":1011.04,"sentiment":"neutral","sentiment_score":0.06599014550447464}],"sentiment":"neutral","sentiment_score":0.06424238863918516,"channel":0,"num_words":9,"start":1007.6,"end":1011.04},{"sentences":[{"text":"Mhmm.","start":1010.98505,"end":1011.48505,"sentiment":"neutral","sentiment_score":0.05254000425338745}],"sentiment":"neutral","sentiment_score":0.05254000425338745,"channel":1,"num_words":1,"start":1010.98505,"end":1011.48505},{"sentences":[{"text":"stocks, they're they're tested against other Australian stocks and so on and so forth.","start":1011.04,"end":1016.07996,"sentiment":"neutral","sentiment_score":0.04508335116718497},{"text":"It's called a benchmark.","start":1016.07996,"end":1016.98,"sentiment":"neutral","sentiment_score":0.07665535807609558},{"text":"So","start":1017.6,"end":1017.83997,"sentiment":"neutral","sentiment_score":0.11407023668289185}],"sentiment":"neutral","sentiment_score":0.05536097817515072,"channel":0,"num_words":19,"start":1011.04,"end":1017.83997},{"sentences":[{"text":"Yep.","start":1017.705,"end":1017.78503,"sentiment":"neutral","sentiment_score":0.09756302833557128},{"text":"Yep.","start":1017.78503,"end":1018.28503,"sentiment":"neutral","sentiment_score":0.10404639691114426}],"sentiment":"neutral","sentiment_score":0.10080471262335777,"channel":1,"num_words":2,"start":1017.705,"end":1018.28503},{"sentences":[{"text":"every asset has a benchmark that it's tested against.","start":1017.83997,"end":1021.925,"sentiment":"neutral","sentiment_score":0.09728922777705723},{"text":"When","start":1021.925,"end":1022.245,"sentiment":"neutral","sentiment_score":0.10936850309371948}],"sentiment":"neutral","sentiment_score":0.09849715530872345,"channel":0,"num_words":10,"start":1017.83997,"end":1022.245},{"sentences":[{"text":"Yep.","start":1022.10504,"end":1022.28,"sentiment":"neutral","sentiment_score":0.08456842601299286}],"sentiment":"neutral","sentiment_score":0.08456842601299286,"channel":1,"num_words":1,"start":1022.10504,"end":1022.28},{"sentences":[{"text":"it comes to an individual stock, it's tested against the benchmark and it get it gets an an alpha and a beta score.","start":1022.245,"end":1028.105,"sentiment":"neutral","sentiment_score":0.08703547748534576},{"text":"And that basically means how is the risk higher or lower than the benchmark, and then is the performance higher or lower than the benchmark.","start":1028.245,"end":1037.96,"sentiment":"neutral","sentiment_score":-0.07990852624177933},{"text":"And, realistically, what you want is you want a high alpha, low beta asset.","start":1039.46,"end":1048.395,"sentiment":"neutral","sentiment_score":0.2248674583222185},{"text":"Low","start":1049.015,"end":1049.255,"sentiment":"neutral","sentiment_score":0.22617165744304657}],"sentiment":"neutral","sentiment_score":0.0536256968265488,"channel":0,"num_words":63,"start":1022.245,"end":1049.255},{"sentences":[{"text":"Yep.","start":1049.255,"end":1049.55,"sentiment":"neutral","sentiment_score":0.2549618184566498}],"sentiment":"neutral","sentiment_score":0.2549618184566498,"channel":1,"num_words":1,"start":1049.255,"end":1049.55},{"sentences":[{"text":"beta being that it's lower risk, high alpha being that it's higher performance.","start":1049.255,"end":1054.155,"sentiment":"neutral","sentiment_score":0.2835358427121089},{"text":"So we can definitely","start":1055.175,"end":1056.3151,"sentiment":"positive","sentiment_score":0.415554903447628}],"sentiment":"neutral","sentiment_score":0.3145991511204663,"channel":0,"num_words":17,"start":1049.255,"end":1056.3151},{"sentences":[{"text":"Yep.","start":1055.87,"end":1056.37,"sentiment":"positive","sentiment_score":0.3493926525115967}],"sentiment":"positive","sentiment_score":0.3493926525115967,"channel":1,"num_words":1,"start":1055.87,"end":1056.37},{"sentences":[{"text":"target assets that are, and these assets are very targeted towards already within the portfolio.","start":1056.375,"end":1063.36,"sentiment":"neutral","sentiment_score":0.3023318370183309},{"text":"Geoguss sitting a little bit outside of that.","start":1063.74,"end":1065.76,"sentiment":"neutral","sentiment_score":-0.005648669321089983},{"text":"These assets are very much targeted towards that high alpha, low beta.","start":1066.0599,"end":1071.84,"sentiment":"neutral","sentiment_score":0.19390066340565681},{"text":"Being that they're low cost, being the low beta, they are low risk.","start":1071.98,"end":1075.515,"sentiment":"neutral","sentiment_score":0.22687455553274888},{"text":"They're testing lower than what the benchmark is, but they are","start":1076.875,"end":1080.495,"sentiment":"neutral","sentiment_score":0.12341840429739519}],"sentiment":"neutral","sentiment_score":0.188535047979173,"channel":0,"num_words":59,"start":1056.375,"end":1080.495},{"sentences":[{"text":"Yes.","start":1080.2999,"end":1080.7999,"sentiment":"neutral","sentiment_score":0.19759146869182587}],"sentiment":"neutral","sentiment_score":0.19759146869182587,"channel":1,"num_words":1,"start":1080.2999,"end":1080.7999},{"sentences":[{"text":"forming at a higher rate than what the benchmark is.","start":1081.115,"end":1083.615,"sentiment":"neutral","sentiment_score":0.2912087872624397},{"text":"Now we can still target assets along that range while aiming towards gearing.","start":1084.395,"end":1091.49,"sentiment":"neutral","sentiment_score":0.29106587400803197},{"text":"I wouldn't really wanna get anything more than 40% of the portfolio if you wanted to go more heavily into gearing.","start":1091.9501,"end":1098.93,"sentiment":"neutral","sentiment_score":-0.023060855588742664},{"text":"I am comfortable with where it's sitting now from an overall perspective, from a ongoing longer term outlook.","start":1100.1901,"end":1107.305,"sentiment":"neutral","sentiment_score":0.23740852003296217},{"text":"Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller.","start":1108.165,"end":1119.66,"sentiment":"neutral","sentiment_score":-0.10026174634695054}],"sentiment":"neutral","sentiment_score":0.08127355692989152,"channel":0,"num_words":92,"start":1081.115,"end":1119.66},{"sentences":[{"text":"I'm not sure which to say which way it would go with you geared.","start":1119.66,"end":1124.88,"sentiment":"neutral","sentiment_score":-0.10571740461247307},{"text":"But we could definitely take the risk and gear it if you were willing to.","start":1126.0599,"end":1130.205,"sentiment":"neutral","sentiment_score":0.14589312995473544}],"sentiment":"neutral","sentiment_score":0.02442597533608305,"channel":0,"num_words":29,"start":1119.66,"end":1130.205},{"sentences":[{"text":"I'm willing to.","start":1130.9501,"end":1132.01,"sentiment":"neutral","sentiment_score":0.16405909260114035}],"sentiment":"neutral","sentiment_score":0.16405909260114035,"channel":1,"num_words":3,"start":1130.9501,"end":1132.01},{"sentences":[{"text":"Okay.","start":1132.985,"end":1133.485,"sentiment":"positive","sentiment_score":0.34281253814697266},{"text":"That's","start":1133.705,"end":1134.105,"sentiment":"positive","sentiment_score":0.5002449750900269}],"sentiment":"positive","sentiment_score":0.42152875661849976,"channel":0,"num_words":2,"start":1132.985,"end":1134.105},{"sentences":[{"text":"I'm","start":1133.99,"end":1134.23,"sentiment":"positive","sentiment_score":0.5308746099472046}],"sentiment":"positive","sentiment_score":0.5308746099472046,"channel":1,"num_words":1,"start":1133.99,"end":1134.23},{"sentences":[{"text":"absolutely","start":1134.105,"end":1134.505,"sentiment":"positive","sentiment_score":0.5183067321777344}],"sentiment":"positive","sentiment_score":0.5183067321777344,"channel":0,"num_words":1,"start":1134.105,"end":1134.505},{"sentences":[{"text":"willing","start":1134.23,"end":1134.55,"sentiment":"positive","sentiment_score":0.4575909972190857}],"sentiment":"positive","sentiment_score":0.4575909972190857,"channel":1,"num_words":1,"start":1134.23,"end":1134.55},{"sentences":[{"text":"fine.","start":1134.505,"end":1134.9049,"sentiment":"positive","sentiment_score":0.49495482444763184}],"sentiment":"positive","sentiment_score":0.49495482444763184,"channel":0,"num_words":1,"start":1134.505,"end":1134.9049},{"sentences":[{"text":"to.","start":1134.55,"end":1134.79,"sentiment":"neutral","sentiment_score":0.1917237639427185},{"text":"Yep.","start":1134.79,"end":1135.29,"sentiment":"neutral","sentiment_score":0.18882977962493896}],"sentiment":"neutral","sentiment_score":0.19027677178382874,"channel":1,"num_words":2,"start":1134.55,"end":1135.29},{"sentences":[{"text":"So","start":1134.9049,"end":1135.4049,"sentiment":"neutral","sentiment_score":0.18442419171333313}],"sentiment":"neutral","sentiment_score":0.18442419171333313,"channel":0,"num_words":1,"start":1134.9049,"end":1135.4049},{"sentences":[{"text":"Still young.","start":1135.875,"end":1136.355,"sentiment":"neutral","sentiment_score":0.2643715739250183},{"text":"I","start":1136.355,"end":1136.855,"sentiment":"positive","sentiment_score":0.4691556990146637}],"sentiment":"neutral","sentiment_score":0.3326329489549001,"channel":1,"num_words":3,"start":1135.875,"end":1136.855},{"sentences":[{"text":"cool.","start":1137.945,"end":1138.345,"sentiment":"positive","sentiment_score":0.5122498273849487},{"text":"Okay.","start":1138.345,"end":1138.825,"sentiment":"neutral","sentiment_score":0.15636299550533295},{"text":"So what I can do is,","start":1138.825,"end":1140.445,"sentiment":"neutral","sentiment_score":0.018199602141976357}],"sentiment":"neutral","sentiment_score":0.09722630446776748,"channel":0,"num_words":8,"start":1137.945,"end":1140.445},{"sentences":[{"text":"don't","start":1140.595,"end":1141.095,"sentiment":"neutral","sentiment_score":-0.0310823917388916}],"sentiment":"neutral","sentiment_score":-0.0310823917388916,"channel":1,"num_words":1,"start":1140.595,"end":1141.095},{"sentences":[{"text":"a, I wanna fix up those figures, like, those API archives because they 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two of them.","start":1786.4601,"end":1789.28,"sentiment":"neutral","sentiment_score":0.11842556628915998},{"text":"I","start":1792.74,"end":1793.24,"sentiment":"neutral","sentiment_score":0.06448822468519211}],"sentiment":"neutral","sentiment_score":0.1130318321287632,"channel":0,"num_words":10,"start":1786.4601,"end":1793.24},{"sentences":[{"text":"Yeah.","start":1792.97,"end":1793.29,"sentiment":"neutral","sentiment_score":0.06862461566925049},{"text":"Fair enough.","start":1793.29,"end":1793.95,"sentiment":"neutral","sentiment_score":0.06731889769434929}],"sentiment":"neutral","sentiment_score":0.06775413701931636,"channel":1,"num_words":3,"start":1792.97,"end":1793.95},{"sentences":[{"text":"mean, it's probably nice to tell your partner that you're doing it, but they doesn't need to know.","start":1796.7001,"end":1802.075,"sentiment":"neutral","sentiment_score":0.06907894276082516},{"text":"So outside of that, what I'll do is I'll rework the feedback just a little bit just to go a little heavier on the kid.","start":1803.1749,"end":1809.995,"sentiment":"neutral","sentiment_score":-0.05078474372625351},{"text":"I might just be doing a familiar with me.","start":1810.0549,"end":1811.895,"sentiment":"neutral","sentiment_score":-0.10541327628824446},{"text":"I just have this awful feeling.","start":1811.895,"end":1813.755,"sentiment":"negative","sentiment_score":-0.3787750154733658},{"text":"Not awful.","start":1814.3099,"end":1814.97,"sentiment":"negative","sentiment_score":-0.5398543477058411}],"sentiment":"neutral","sentiment_score":-0.07212126497179269,"channel":0,"num_words":60,"start":1796.7001,"end":1814.97},{"sentences":[{"text":"It's pretty ebb feeling, really.","start":1815.0299,"end":1817.21,"sentiment":"negative","sentiment_score":-0.45788992643356324},{"text":"You were gonna wanna go a little heavier.","start":1817.9099,"end":1819.85,"sentiment":"neutral","sentiment_score":-0.2949677128344774},{"text":"So I will get get that in, and then I'll I'll resend the documents to you.","start":1820.63,"end":1826.07,"sentiment":"neutral","sentiment_score":-0.053795353160239756},{"text":"And I'll just flick you an email to say, hey.","start":1826.07,"end":1827.9299,"sentiment":"neutral","sentiment_score":0.10673073828220367},{"text":"Have a look.","start":1828.23,"end":1828.815,"sentiment":"neutral","sentiment_score":0.0801950953900814}],"sentiment":"neutral","sentiment_score":-0.10004819800988549,"channel":0,"num_words":42,"start":1815.0299,"end":1828.815},{"sentences":[{"text":"Come","start":1829.375,"end":1829.875,"sentiment":"neutral","sentiment_score":0.0423557385802269}],"sentiment":"neutral","sentiment_score":0.0423557385802269,"channel":0,"num_words":1,"start":1829.375,"end":1829.875},{"sentences":[{"text":"Yep.","start":1830.27,"end":1830.555,"sentiment":"neutral","sentiment_score":0.05415179580450058}],"sentiment":"neutral","sentiment_score":0.05415179580450058,"channel":1,"num_words":1,"start":1830.27,"end":1830.555},{"sentences":[{"text":"look.","start":1831.135,"end":1831.635,"sentiment":"neutral","sentiment_score":0.05886203050613403}],"sentiment":"neutral","sentiment_score":0.05886203050613403,"channel":0,"num_words":1,"start":1831.135,"end":1831.635},{"sentences":[{"text":"Not a problem.","start":1831.3551,"end":1832.175,"sentiment":"neutral","sentiment_score":0.2700810084740321},{"text":"Happy","start":1832.875,"end":1833.275,"sentiment":"positive","sentiment_score":0.6948556900024414}],"sentiment":"positive","sentiment_score":0.3762746788561344,"channel":1,"num_words":4,"start":1831.3551,"end":1833.275},{"sentences":[{"text":"Perfect.","start":1832.8949,"end":1833.3949,"sentiment":"positive","sentiment_score":0.6572153568267822}],"sentiment":"positive","sentiment_score":0.6572153568267822,"channel":0,"num_words":1,"start":1832.8949,"end":1833.3949},{"sentences":[{"text":"day.","start":1833.275,"end":1833.775,"sentiment":"neutral","sentiment_score":0.32963597774505615}],"sentiment":"neutral","sentiment_score":0.32963597774505615,"channel":1,"num_words":1,"start":1833.275,"end":1833.775},{"sentences":[{"text":"Did you have any other questions at all?","start":1834.8949,"end":1836.835,"sentiment":"neutral","sentiment_score":0.10790436808019876}],"sentiment":"neutral","sentiment_score":0.10790436808019876,"channel":0,"num_words":8,"start":1834.8949,"end":1836.835},{"sentences":[{"text":"No.","start":1837.435,"end":1837.675,"sentiment":"neutral","sentiment_score":0.08500640094280243},{"text":"No.","start":1837.675,"end":1837.915,"sentiment":"neutral","sentiment_score":0.15930162370204926},{"text":"I'm I'm super super great.","start":1837.915,"end":1839.675,"sentiment":"positive","sentiment_score":0.6246236085891723},{"text":"Thank you.","start":1839.675,"end":1840.415,"sentiment":"positive","sentiment_score":0.6294772326946259}],"sentiment":"positive","sentiment_score":0.5140422814422183,"channel":1,"num_words":9,"start":1837.435,"end":1840.415},{"sentences":[{"text":"No.","start":1841.07,"end":1841.47,"sentiment":"neutral","sentiment_score":0.15061306953430176},{"text":"That's okay.","start":1841.47,"end":1842.4299,"sentiment":"neutral","sentiment_score":0.14195050299167633},{"text":"Not a problem at all.","start":1842.4299,"end":1843.97,"sentiment":"neutral","sentiment_score":0.23562822341918946},{"text":"I will yeah.","start":1844.11,"end":1845.07,"sentiment":"neutral","sentiment_score":0.25840769708156586},{"text":"I'll be working and get that all out to you as early next week.","start":1845.07,"end":1848.9299,"sentiment":"neutral","sentiment_score":0.2590003471289362}],"sentiment":"neutral","sentiment_score":0.24055532574653626,"channel":0,"num_words":25,"start":1841.07,"end":1848.9299},{"sentences":[{"text":"Awesome.","start":1850.0099,"end":1850.4099,"sentiment":"positive","sentiment_score":0.5714811086654663},{"text":"No worries, Larissa.","start":1850.4099,"end":1851.45,"sentiment":"positive","sentiment_score":0.3533182342847188},{"text":"Thank you.","start":1851.45,"end":1852.11,"sentiment":"positive","sentiment_score":0.4866596460342407}],"sentiment":"positive","sentiment_score":0.4341258505980174,"channel":1,"num_words":6,"start":1850.0099,"end":1852.11},{"sentences":[{"text":"No.","start":1852.59,"end":1852.99,"sentiment":"neutral","sentiment_score":0.2850933074951172},{"text":"Absolutely.","start":1852.99,"end":1853.49,"sentiment":"positive","sentiment_score":0.5334985256195068},{"text":"My absolute pleasure, Michael.","start":1854.5651,"end":1856.1051,"sentiment":"positive","sentiment_score":0.6675550192594528},{"text":"If you have any questions, give me a call or you'll have my email by this this evening.","start":1856.245,"end":1860.7251,"sentiment":"neutral","sentiment_score":0.2600710110531913},{"text":"So flick me an email.","start":1860.7251,"end":1861.9451,"sentiment":"neutral","sentiment_score":0.16699392199516297}],"sentiment":"neutral","sentiment_score":0.3105193006581274,"channel":0,"num_words":29,"start":1852.59,"end":1861.9451},{"sentences":[{"text":"Will do.","start":1862.6649,"end":1863.3049,"sentiment":"neutral","sentiment_score":0.20789826661348343},{"text":"Happy","start":1863.3049,"end":1863.8049,"sentiment":"positive","sentiment_score":0.5409607887268066}],"sentiment":"neutral","sentiment_score":0.3189191073179245,"channel":1,"num_words":3,"start":1862.6649,"end":1863.8049},{"sentences":[{"text":"Cool.","start":1865.045,"end":1865.365,"sentiment":"positive","sentiment_score":0.476525217294693},{"text":"Alright.","start":1865.365,"end":1865.685,"sentiment":"positive","sentiment_score":0.37929007411003113},{"text":"Well, I'll let you go and enjoy your evening.","start":1865.685,"end":1867.545,"sentiment":"positive","sentiment_score":0.5149770246611701}],"sentiment":"positive","sentiment_score":0.49914622848684137,"channel":0,"num_words":11,"start":1865.045,"end":1867.545},{"sentences":[{"text":"days.","start":1867.145,"end":1867.645,"sentiment":"neutral","sentiment_score":0.2017398327589035},{"text":"Thanks.","start":1867.945,"end":1868.445,"sentiment":"positive","sentiment_score":0.4316610097885132},{"text":"You too.","start":1868.63,"end":1869.1901,"sentiment":"neutral","sentiment_score":0.27266430854797363},{"text":"Thought it's what you got.","start":1869.1901,"end":1870.5701,"sentiment":"neutral","sentiment_score":0.2556197702884674}],"sentiment":"neutral","sentiment_score":0.2729809234539668,"channel":1,"num_words":9,"start":1867.145,"end":1870.5701},{"sentences":[{"text":"Oh, I'll try.","start":1871.7,"end":1872.68,"sentiment":"neutral","sentiment_score":0.15826505422592163},{"text":"Thanks, Michael.","start":1874.18,"end":1875.08,"sentiment":"positive","sentiment_score":0.36556239426136017},{"text":"Bye.","start":1875.3,"end":1875.8,"sentiment":"neutral","sentiment_score":0.20993337035179135}],"sentiment":"neutral","sentiment_score":0.2359755535920461,"channel":0,"num_words":6,"start":1871.7,"end":1875.8},{"sentences":[{"text":"Okay.","start":1876.31,"end":1876.7101,"sentiment":"neutral","sentiment_score":0.11642822623252869},{"text":"Bye.","start":1876.7101,"end":1877.2101,"sentiment":"neutral","sentiment_score":0.08156527578830719}],"sentiment":"neutral","sentiment_score":0.09899675101041794,"channel":1,"num_words":2,"start":1876.31,"end":1877.2101}]},"summary":{"result":"success","short":" BC Financial uses a new system to allow for an intellectual conversation about investing and recommends a portfolio of assets and stocks that Michael is comfortable with. Michael's current portfolio is heavily geared and has had to clean up some of his military benefits. The speaker discusses their investment strategy and plans to diversify their portfolio, including investing in growth assets and cryptocurrency adjacent funds. They emphasize the importance of protecting estate assets and offer guidance on filing estate claims and updating their information. The agent provides instructions for updating their information and sends a form to sign, providing instructions for updating their information and filling out a form."},"intents":{"segments":[{"text":"If I could just get you to confirm security for me, it's full name, date of birth at Michael Robert Yes. Rogers.","start_word":228,"end_word":249,"intents":[{"intent":"Confirm information","confidence_score":0.02389815}]},{"text":"Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix. You are currently kind of like that 120% invested because you've got geared assets. Right? Yep.","start_word":481,"end_word":516,"intents":[{"intent":"Define investment strategy","confidence_score":0.0016837339}]},{"text":"The one thing I guess I wasn't too sure of or wasn't too kind of wanting to push the boundary was whether we kind of go for a little bit more heavily into geared assets or whether you were comfortable keeping it at that sort of 20%.","start_word":678,"end_word":724,"intents":[{"intent":"Evaluate asset options","confidence_score":0.019892026}]},{"text":"got your have to be four. It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super. You have a very small accumulation benefit, but the total sitting around that is, like, $1.12. Yep. Yeah.","start_word":1100,"end_word":1159,"intents":[{"intent":"Clarify information","confidence_score":0.024003323}]},{"text":"So currently, like, just looking at this table, I know it looks a little bit confusing, but currently, you hold the top, like, eight assets. What I wanna do is sell out of those, like, five of those and buy into one of those being cash and buy into four others.","start_word":1401,"end_word":1451,"intents":[{"intent":"Sell assets","confidence_score":0.07517113}]},{"text":"I I I'm invested in some ETFs like Vanguard as well, so I've got quite familiar with how they work and if those fees are really low. Yeah.","start_word":1866,"end_word":1893,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.0018180854}]},{"text":"So I don't always get the most amount of time to actually speak with a client. And I've spent the entire day today just speaking with clients, and it let's just say, cup very full. Yep.","start_word":2077,"end_word":2112,"intents":[{"intent":"Express dissatisfaction with investment methods","confidence_score":0.00020069335}]},{"text":"So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets.","start_word":2133,"end_word":2148,"intents":[{"intent":"Share risk profile","confidence_score":0.002893669}]},{"text":"So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets. So what our investment committee generally looks at is we look at a forty sixty split. Currently, you're sitting basically exactly within that realm of forty, sixty. Yes.","start_word":2133,"end_word":2176,"intents":[{"intent":"Discuss portfolio","confidence_score":0.0039837365}]},{"text":"So what our investment committee generally looks at is we look at a forty sixty split. Currently, you're sitting basically exactly within that realm of forty, sixty. Yes.","start_word":2149,"end_word":2176,"intents":[{"intent":"Discuss investment strategies","confidence_score":0.00059343595}]},{"text":"Variance is totally normal. You're never going to have, like, an exact forty, sixty split. Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk. So Mhmm.","start_word":2227,"end_word":2274,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.03372832}]},{"text":"Now if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily.","start_word":2286,"end_word":2315,"intents":[{"intent":"Discuss gearing options","confidence_score":0.22954479}]},{"text":"I would have to look at alternative geared assets to be able to to approach that market.","start_word":2358,"end_word":2374,"intents":[{"intent":"Discuss alternative geared assets","confidence_score":0.22049019}]},{"text":"I don't Okay. I'm gonna be clear and say that I don't generally like going to oh my god. What are they called? Bit Bitcoin cryptocurrencies.","start_word":2395,"end_word":2420,"intents":[{"intent":"Express uncertainty about cryptocurrencies","confidence_score":0.000635308}]},{"text":"So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores.","start_word":2470,"end_word":2501,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.004799267}]},{"text":"Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller. I'm not sure which to say which way it would go with you geared. But we could definitely take the risk and gear it if you were willing to. I'm willing to.","start_word":2773,"end_word":2834,"intents":[{"intent":"Clarify aims and goals","confidence_score":6.5917914e-7}]},{"text":"Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent.","start_word":2929,"end_word":2941,"intents":[{"intent":"Examine cryptocurrencies","confidence_score":0.00041667218},{"intent":"Evaluate cryptocurrency options","confidence_score":0.00052885263},{"intent":"Discuss crypto asset structure","confidence_score":0.0007934202}]},{"text":"Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent. Well, is there such a thing as a Bitcoin ETF fund? No. No.","start_word":2929,"end_word":2954,"intents":[{"intent":"Discuss cryptocurrency etf fund","confidence_score":0.0051639695}]},{"text":"Well, is there such a thing as a Bitcoin ETF fund? No.","start_word":2942,"end_word":2953,"intents":[{"intent":"Discuss etf fund use","confidence_score":6.55984e-7}]},{"text":"Well, is there such a thing as a Bitcoin ETF fund? No. No.","start_word":2942,"end_word":2954,"intents":[{"intent":"Evaluate etfs","confidence_score":0.00039982796},{"intent":"Evaluate pricing and etf fund options","confidence_score":0.000003869513},{"intent":"Discuss bitcoin etf fund options","confidence_score":0.0056318506}]},{"text":"I'll give you some information around them so that way we we can make a little bit more of an educated decision around how we can structure it. Yep. Okay.","start_word":3013,"end_word":3042,"intents":[{"intent":"Provide information","confidence_score":0.005069257}]},{"text":"Do they because have they platform fee? like, Hub 20 Sorry.","start_word":3151,"end_word":3161,"intents":[{"intent":"Identify platform fees","confidence_score":0.0037312743},{"intent":"Check platform fees","confidence_score":0.00025793273}]},{"text":"I'm just not sure whether they do have access to Bitcoin. Yeah.","start_word":3209,"end_word":3220,"intents":[{"intent":"Confirm access to bitcoin","confidence_score":0.021644745}]},{"text":"And you're happy to target that, like, lower cost ETF to a degree. Like, majority of the fund is obviously ETF, so it's bringing the cost down already. Like, your cost savings off the top of my head, which I should remember already, go something from, like, a thousand dollars per annum in the investment fees down to something like 500. 1,000 Oh, wow.","start_word":3338,"end_word":3401,"intents":[{"intent":"Target lower cost etf","confidence_score":0.48501682},{"intent":"Target etf","confidence_score":0.09151036},{"intent":"Target cost savings","confidence_score":0.0003481637}]},{"text":"The portfolio return is, like, over the last ten years, just over three points or 3%. Higher?","start_word":3656,"end_word":3672,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.008738868}]},{"text":"And I wanna make sure that we protect them.","start_word":3775,"end_word":3783,"intents":[{"intent":"Protect and ensure proper access for assets","confidence_score":0.014344293}]},{"text":"We're looking at trust structures. We're looking at, like, $5 to set up a trust, but, otherwise, pretty low in in terms of cost.","start_word":3914,"end_word":3937,"intents":[{"intent":"Set up trust structures and direct person","confidence_score":0.025211925}]},{"text":"because your partner's always gonna be a tax free recipient of any superannuation and insurance funds, we keep it with your partner, and then you just trust and rely that your partner's gonna give a little bit of money to your kid. Yeah.","start_word":4435,"end_word":4477,"intents":[{"intent":"Assign team involvement","confidence_score":7.714605e-9}]},{"text":"If you have any questions, give me a call or you'll have my email by this this evening. So flick me an email. Will do. Happy Cool. Alright. Well, I'll let you go and enjoy your evening. days.","start_word":4841,"end_word":4878,"intents":[{"intent":"Contact","confidence_score":0.007880889}]}]},"sentiments":{"segments":[{"text":"Hello? Michael speaking. Hi, Michael. Larissa from OC Financial. How are you going?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.12395495921373367},{"text":"I'm good. Thanks, Luisa.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.5554789900779724},{"text":"How are you? Yeah.","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.28191882371902466},{"text":"Good. Thank you.","start_word":21,"end_word":23,"sentiment":"positive","sentiment_score":0.5603165030479431},{"text":"I was just calling so I could go through the advice that I finalized put together.","start_word":24,"end_word":39,"sentiment":"neutral","sentiment_score":0.29129233956336975},{"text":"Yeah. Amazing.","start_word":40,"end_word":41,"sentiment":"positive","sentiment_score":0.48792123794555664},{"text":"So I sent it to you maybe a couple hours ago, hour ago, something like that, in Oh, your yep. email.","start_word":42,"end_word":62,"sentiment":"neutral","sentiment_score":0.14805790781974792},{"text":"Just wanted to get ahead of the curve.","start_word":63,"end_word":70,"sentiment":"positive","sentiment_score":0.388118714094162},{"text":"I've had back to back meetings all day. So I just wanted to make sure that they were in your inbox before I gave you a call so that way we could run through them together. Now don't be surprised. It probably had landed in your junk box because we are using a new system to issue documents. It's all sort of integrated within our CRM. And it seems that we they are landing in junk more so than not. Okay. So Good news.","start_word":71,"end_word":154,"sentiment":"neutral","sentiment_score":-0.06242677569389343},{"text":"it I've got it oh, happiness.","start_word":155,"end_word":160,"sentiment":"positive","sentiment_score":0.37595662474632263},{"text":"open. Yep. So if you open that, it's very similar to the system we used to use. It's a system that enables you to view and authorize documents all at the same time. So we'll run through it together. Now, I guess, before I do jump into it, too far into Sydney. I do want to call you to let you know that our calls are recorded. If I could just get you to confirm security for me, it's full name, date of birth at Michael Robert Yes. Rogers. 09/12/1992. And address for me. 223 Ocean Street, North Bondi 2026.","start_word":161,"end_word":260,"sentiment":"neutral","sentiment_score":0.06713917851448059},{"text":"Perfect.","start_word":261,"end_word":261,"sentiment":"positive","sentiment_score":0.3396652638912201},{"text":"Alright. So the advice that we put together, nice and pretty straightforward, really, because you only really wanted to focus on, like, superannuation and the investment side. Now I did have a look at where everything is for yourself, and currently, you're in it's like a a hidden portfolio, I guess, we have. It's not something we advertise a lot of, and that's purely simply because not a lot of people are intuitive investors. So you have, like, geared assets in your current portfolio. You have Ggust, which is a geared, Yes. yeah, which is a geared asset.","start_word":262,"end_word":359,"sentiment":"neutral","sentiment_score":0.10511061974934167},{"text":"I can also see that, you know, you do have and you do trade yourself.","start_word":360,"end_word":374,"sentiment":"positive","sentiment_score":0.3344379663467407},{"text":"You have assets and stocks that you personally manage and look after. Yep. So I whilst you did complete the investor risk profile with Danis, you came out as a little bit less of an aggressive in through that questionnaire. That questionnaire Mhmm. is only a tool, and it's a tool that I personally don't put a massive amount of stock in.","start_word":375,"end_word":436,"sentiment":"neutral","sentiment_score":0.12569895386695862},{"text":"The whole point of it is to basically enable an adviser and a and a client to have an intellectual conversation around investing, to be able to open up a client's purview into the world of investing and ultimately get the conversation going.","start_word":437,"end_word":479,"sentiment":"positive","sentiment_score":0.5169880390167236},{"text":"Yep. Now whilst aggressive investing is basically all of the money on the market, but, like, a hybrid investment investment matrix. You are currently kind of like that 120% invested because you've got geared assets. Right? Yep. Yep. Now I'm gonna take a leap and say that you understand exactly what gearing is and the way that you borrow money to invest. Yes. Yep. Obviously, the difference with this is is that you've put money into a fund that is doing the borrowing for you, and you're not actively borrowing. Yes. So little bit different to how you would normally gear an asset, but very, very much the same outcome.","start_word":480,"end_word":589,"sentiment":"neutral","sentiment_score":0.1294596791267395},{"text":"I very Yep. much wanted to keep to that same vein and keep you geared. So I have, in the investment structure wise, kept you in a in that G GAS and geared geared asset. What I have done, though, is I have flipped a lot of the assets, moved some of them to ETFs just for a cheaper cost basis, and it has had a historical better performance as well. So it's still Okay. keeping to that that very geared prospect, having that that one gearing.","start_word":590,"end_word":676,"sentiment":"positive","sentiment_score":0.41135427355766296},{"text":"The one thing I guess I wasn't too sure of or wasn't too kind of wanting to push the boundary was whether we kind of go for a little bit more heavily into geared assets or whether you were comfortable keeping it at that sort of 20%. GUS does have a limit on how much you can invest. You can't put a 100% into GUS. The the trustees do obviously have limits because they have a duty to their clientele to make sure that they're not being reckless or unknowingly investing in something that, you know, could end up wrong. Superannuation Yep. is not something you day trade. It's a long term investment, and, obviously, it's something that you wanna have spread out and and invested in lots of different little pockets, which Yep. is exactly what I've done.","start_word":677,"end_word":815,"sentiment":"neutral","sentiment_score":-0.029252789914608},{"text":"So I guess if we were to go through the document together, I don't even have it open. I'm only doing this off the top of my head, which is terrible of me.","start_word":816,"end_word":848,"sentiment":"negative","sentiment_score":-0.5056651830673218},{"text":"Lucky I remember what I wrote. Hey. All good. So Which document what? sorry. Which document? Is it do I just click on sign document and we just go through Yes. it? Or Yeah. Sorry. So if you click on sign documents, so there's a bunch of attachments to the actual email, and they're all the supporting documents. So it's it's PDFs and stuff like that. Nothing exciting in there. Just documents Yep. that I do have to give you. If you go and if you go to sign yeah. Sign here or whatever it says, Yep. Yep. that actually brings up the actual statement advice Yes. that runs through everything. So it's just, Yep. you know, a casual 30 page document, which I'm if I could bring it down to one page, I would be much happier, but Asics doesn't like that. That. So the document, the first two pages basically details the document's a statement of advice. It's basically the crux of everything that we researched and did, that Yep. we do have a duty of care and duty of best interest to you. The scope of the advice is superannuation, and I did identify some estate planning that we sort of probably need to clean up a little bit. Yep. So we're not looking at your personal insurance because you're currently pretty happy with that. Now if we just kinda jump down because everything else is very much just the details we have on you. So it's Yep. got your have to be four. It's got your military super, and I've split it up so that way you can see where your military super sits in those couple different benefits because you have a defined benefit in your military super. You have a very small accumulation benefit, but the total sitting around that is, like, $1.12. Yep. Yeah. You Yeah. That's currently that's got sitting at around that that's sitting at around, what, $1.45 now, I think. yeah. It will have gone up. We only have a statement from, like, 2021, Oh, but okay. the military suit is not gonna change. Like, it's gonna obviously increase in value, but it's still a defined benefit. It's still a defined benefit. It's still a defined benefit. It's not like the need Yeah. to Yes. launch from on the because it's physically not something I can do anything with. Yes. Yes. That's fine. So it yeah. It's it is, you know, balance wise, a little bit out, but it's not something that's drastically causing me hurt. Yep. With your insurance, it's listed there. I did wanna include it so that way you still had a an open purview as to where it's at. So we're sitting at sort of 1.2 in the life TBD, and then we've got our IP sitting here at 6,985 a month. Mhmm. Now if we jump down to page 15, the rest of the document is basically these are the benefits of retaining your hub twenty four funds. These are the benefits of why I've given the advice, so on and so forth. And I definitely Yeah. want you to read it, but I'm not gonna sit here and read it to you, and then we can just kind of talk about it and summarize it. Okay. So currently, like, just looking at this table, I know it looks a little bit confusing, but currently, you hold the top, like, eight assets. What I wanna do is sell out of those, like, five of those and buy into one of those being cash and buy into four others. So I wanna Yeah. sell out of the battery and lithium, ACDC. Yep. I want to sell out of Asia, out Yep. of robotics and AI, and out of Bennelong, definitely. Yeah. Now Bennelong is it's so Bennelong is an Australian equity fund. It is a they call it an actively managed fund, but it's not. It's actually a high conviction fund. So what the investment managers do is they basically pick assets that they have a high conviction rate that has has long term benefits to the shareholders. And their conviction rate is basically within a five year turnaround time, we're going to get x out of the fund. Now with their high conviction, obviously, because they have a five year turnaround, you wanna put stock in the conviction that the investment managers have made.","start_word":849,"end_word":1587,"sentiment":"neutral","sentiment_score":0.025749190401724457},{"text":"Unfortunately, with COVID, their conviction did not come true. And then they have failed and continue to fail to make any changes to that those assets either. So the fund, whilst it has bounced since COVID, just hasn't really had any of the returns that we would hope within the five year time frame since that's happened.","start_word":1588,"end_word":1644,"sentiment":"negative","sentiment_score":-0.48214560747146606},{"text":"So it's Yep.","start_word":1645,"end_word":1647,"sentiment":"neutral","sentiment_score":-0.27954423427581787},{"text":"very much an asset that we are moving away from. Even after meeting with Benelon and talking about their their Australian equity fund, they're still very much standing behind it and refusing to move.","start_word":1648,"end_word":1681,"sentiment":"negative","sentiment_score":-0.4359970986843109},{"text":"Yep. So we're just we're not backing it.","start_word":1682,"end_word":1689,"sentiment":"neutral","sentiment_score":-0.21553832292556763},{"text":"We can get exposure elsewhere that doesn't have the same cost basis because it is an expensive fund to invest in.","start_word":1690,"end_word":1710,"sentiment":"negative","sentiment_score":-0.3591776490211487},{"text":"It's point nine of a percent of of an investment fee off the Alright. top of my head, which Yep. is quite Well quite high. Like, granted, you don't have like, you should have been invested, but it's not crazy, crazy high when you can, you know, consider it across a year. But it's still a bit expensive when we consider it, you know, over the long term. Yeah. So I wanna move away from there, and what I wanna do is I wanna pull in other assets. So I wanna pull in some cybersecurity. I wanna pull in some Japanese assets. I wanna pull in, you know, other Australian assets and Vanguard assets and, you know, have exposure across the world. And from there, I wanna be able to just diversify us a little bit more, bring down the cost because they are apart from our G Gas, they are all. Yep. Yep. Yep. I I I'm invested in some ETFs like Vanguard as well, so I've got quite familiar with how they work and if those fees are really low. Yeah. So it's just gonna bring down that fee fee structure a little bit. I'm just looking at the the API R codes versus the investment names, and I've realized I've mixed some of them up. But that's okay. I can I'll send you a document that's corrected. I'm That's just looking fine. at them, and I'm like I was like, that code is definitely does not correlate with that investment. That's what happens when I'm sitting down at 10:00 at night still writing stuff. It was two nights ago, but Jesus. oh, I don't I think thought I've I made worked it twice. hard. I've I'm sitting at twelve hours for the day so far, and this is probably gonna be my shortest day this week. I love what I do, but I'm very busy. That's so tough to say no sometimes, isn't it? Always.","start_word":1711,"end_word":2038,"sentiment":"neutral","sentiment_score":0.02996568043330094},{"text":"But at the same time, it's very enjoyable.","start_word":2039,"end_word":2046,"sentiment":"positive","sentiment_score":0.5955319404602051},{"text":"Like so I'm the head of advice. So I actually like, I manage the advice team in terms of compliance and investment Yep. aspects, all that kind of stuff. So I don't always get the most amount of time to actually speak with a client. And I've spent the entire day today just speaking with clients, and it let's just say, cup very full. Yep. Yep.","start_word":2047,"end_word":2112,"sentiment":"neutral","sentiment_score":0.06810230152173476},{"text":"Totally get you.","start_word":2113,"end_word":2115,"sentiment":"positive","sentiment_score":0.5388739705085754},{"text":"Yeah. So if you pop down to page 16, you can kinda see where the variance hits. So risk profile wise, realistically, an aggressive investor is someone who's in everything in growth assets. So what our investment committee generally looks at is we look at a forty sixty split. Currently, you're sitting basically exactly within that realm of forty, sixty. Yes. I'm splitting it up a little bit. So I'm pulling a little bit into an outgrowth asset where you don't currently have anything. Still moving everything and keeping everything into the growth Yep. assets. But, you know, it it's very much still a 100% of it's going to be invested. Variance is totally normal. You're never going to have, like, an exact forty, sixty split. Honestly, I'm always partial to having more variance within a risk profile to less just because it kinda diversifies risk a little bit more and just lessens that overall beta risk. So Mhmm. Yep. what what this will do is it'll do exactly that. Now if you want to, and it's gonna come down very, very much to something that if you wanna do, we can look at gearing a little bit more heavily. Currently, I would say you are sitting about a 120 probably more like a 110%, like, in your growth assets based on where we're sitting. If you wanna go a little bit heavier, we definitely can. It won't be in Giga, though. I would have to look at alternative geared assets to be able to to approach that market. There's very Yes. limited available within Hub twenty four, but there are still some other gearings that we can do. I don't Okay. I'm gonna be clear and say that I don't generally like going to oh my god. What are they called? Bit Bitcoin cryptocurrencies. I don't Crypto.","start_word":2116,"end_word":2423,"sentiment":"neutral","sentiment_score":-0.023466307319120153},{"text":"generally like going to crypto cryptocurrencies purely because they are too much of a risk.","start_word":2424,"end_word":2438,"sentiment":"negative","sentiment_score":-0.40662071108818054},{"text":"Hub twenty four do not invest in cryptocurrencies. They do, however, Yeah. invest in the basically, the sites that support cryptocurrencies, like your Mhmm. current coin wallets and stuff like that. So there are avenues that we can take that do generally have a little bit more risk behind them based on, like, your standard deviation between your alpha and your beta scores. So if I'm going too far, let me know. But alpha and beta is basically any asset that's on the market is tested Yep. against similar assets. Right? So if you have Australian Mhmm. stocks, they're they're tested against other Australian stocks and so on and so forth. It's called a benchmark. So Yep. Yep. every asset has a benchmark that it's tested against. When Yep. it comes to an individual stock, it's tested against the benchmark and it get it gets an an alpha and a beta score. And that basically means how is the risk higher or lower than the benchmark, and then is the performance higher or lower than the benchmark. And, realistically, what you want is you want a high alpha, low beta asset. Low beta Yep. being that it's lower risk, high alpha being that it's higher performance.","start_word":2439,"end_word":2644,"sentiment":"neutral","sentiment_score":0.04343468323349953},{"text":"So we can definitely Yep.","start_word":2645,"end_word":2649,"sentiment":"positive","sentiment_score":0.3871996998786926},{"text":"target assets that are, and these assets are very targeted towards already within the portfolio. Geoguss sitting a little bit outside of that. These assets are very much targeted towards that high alpha, low beta. Being that they're low cost, being the low beta, they are low risk. They're testing lower than what the benchmark is, but they are Yes. forming at a higher rate than what the benchmark is. Now we can still target assets along that range while aiming towards gearing. I wouldn't really wanna get anything more than 40% of the portfolio if you wanted to go more heavily into gearing. I am comfortable with where it's sitting now from an overall perspective, from a ongoing longer term outlook. Based on the current political climate, I'd say maybe I mean, it could go one of two ways realistically, and I wish I was an economist or a fortune teller. I'm not sure which to say which way it would go with you geared. But we could definitely take the risk and gear it if you were willing to. I'm willing to.","start_word":2650,"end_word":2833,"sentiment":"neutral","sentiment_score":0.1061060500493192},{"text":"Okay. That's I'm absolutely willing fine.","start_word":2834,"end_word":2839,"sentiment":"positive","sentiment_score":0.4787325859069824},{"text":"to. Yep. So Still young.","start_word":2840,"end_word":2844,"sentiment":"neutral","sentiment_score":0.22210793197155},{"text":"I cool.","start_word":2845,"end_word":2846,"sentiment":"positive","sentiment_score":0.4978851675987244},{"text":"Okay. So what I can do is, don't a, I wanna fix up those figures, like, those API archives because they are mind.","start_word":2847,"end_word":2869,"sentiment":"neutral","sentiment_score":-0.04065067321062088},{"text":"really annoying me.","start_word":2870,"end_word":2872,"sentiment":"negative","sentiment_score":-0.5814540386199951},{"text":"I can't No believe problem. I actually mixed them all up. I'll fix those APIRs up, and what I'll do is I will look at pulling a little bit more into some gearing. What other avenues would you wanna look at if we did go down that? Like, do you wanna look at some cryptocurrency assets? Again, it's not gonna be cryptocurrency, but it can be, like, cryptocurrency adjacent. Well, is there such a thing as a Bitcoin ETF fund? No. No. No. How about what I'll do is I have to pick my kids up tonight. I know. Mother duty is outrageous. But once I settle myself down and sit down to work again tonight, I will email you through the couple of assets that are Bitcoin adjacent that Hub twenty four has within the funds that are available. I'll give you some information around them so that way we we can make a little bit more of an educated decision around how we can structure it. Yep. Okay. Yeah? Because I know there's two or three. Just can't remember off the top of my head. Good. I'm Yep.","start_word":2873,"end_word":3062,"sentiment":"neutral","sentiment_score":-0.009800218045711516},{"text":"just not that good.","start_word":3063,"end_word":3066,"sentiment":"negative","sentiment_score":-0.4293591678142547},{"text":"Yeah. I've I've just seen a lot of price moving on Bitcoin. It's it's gone down to 31% so far this Yeah. year, so I think it's looking like a an opportunity to buy. Yeah. A lot of the time, like, direct Bitcoin purchase, you're better off going straight from a coin wallet, like, direct just because a lot of your major players, like your super funds, stuff like that, do not allow direct purchase. They just they remove themselves from the risk Yeah. Do they because have they platform fee? like, Hub 20 Sorry. 4 and stuff. Yeah. Yeah. Okay. Yes. They yeah. They have platform fees. If you're looking for, like, an investment platform with, like, a really low cost fee for purchases, like that, anything like that. There is Superhero, I think it's called, which are really low cost. I'm just not sure whether they do have access to Bitcoin. Yeah. But I I can just definitely yeah. have a I quick look and yeah. I've just been using exchanges to get Bitcoin. yep. Yeah. That's fair. I mean, So that's you're what I've done you're in the you're past. Yeah. You're already pretty. Realistically, I'm I'm more of a try and keep it together ish type of person. Try and avoid having the 50,000 logins and forgetting access I to them. agree. I agree. Well, I'm open to any suggestions you have, really. It doesn't have to be crypto. It can just be whatever other keyed assets, like, forward in that beta alpha The beta beta alpha split. Yeah. beta alpha split. Yeah. Yeah. Alright. Cool. Alright.","start_word":3067,"end_word":3337,"sentiment":"neutral","sentiment_score":0.03294925188226454},{"text":"And you're happy to target that, like, lower cost ETF to a degree. Like, majority of the fund is obviously ETF, so it's bringing the cost down already.","start_word":3338,"end_word":3365,"sentiment":"positive","sentiment_score":0.3474133312702179},{"text":"Like, your cost savings off the top of my head, which I should remember already, go something from, like, a thousand dollars per annum in the investment fees down to something like 500.","start_word":3366,"end_word":3398,"sentiment":"neutral","sentiment_score":0.2347138226032257},{"text":"1,000 Oh, wow. one That's 100 awesome.","start_word":3399,"end_word":3405,"sentiment":"positive","sentiment_score":0.4781901836395264},{"text":"and 2 down to 479.","start_word":3406,"end_word":3410,"sentiment":"neutral","sentiment_score":0.24399811029434204},{"text":"Oh, that Well, was that's pretty good a off magic the top of my head from two nights ago.","start_word":3411,"end_word":3429,"sentiment":"positive","sentiment_score":0.4188056886196137},{"text":"thing. Yeah. Jeez. Yeah. It's your it's your you've been a you've been a long Australian equities because it's got such a high fee, and it does currently make up sort of, like, $40 of your fund or 30 something grand of your fund. So Mhmm. that that's why it it's quite high, and then also your ACDC is a little bit up there. That's one of the other ones that is a little bit on the higher side. Yes.","start_word":3430,"end_word":3509,"sentiment":"neutral","sentiment_score":-0.05656814863905311},{"text":"So all of those coming off does definitely help to bring that cost down.","start_word":3510,"end_word":3523,"sentiment":"positive","sentiment_score":0.42176318168640137},{"text":"And then secondarily to that, you know, spreading everything out. So I'll look at another even if I look at one or two more geared structures, see if we can slip them in as well and go from there. And what I'll do is once I get it all updated, which I will be able to do by, like, Monday, Tuesday next week.","start_word":3524,"end_word":3586,"sentiment":"neutral","sentiment_score":0.19352459907531736},{"text":"It should be back up easy. I'll do it over the weekend.","start_word":3587,"end_word":3598,"sentiment":"positive","sentiment_score":0.48697710037231445},{"text":"Yep. I will just I'll send it through to you. I'll just correct it and send it through you, and I'll send you an email saying, hey. Take a look at the document. And I'm more than happy if you just wanna come back and say, hey. I wanna talk if you're not happy and sign it. The portfolio return is, like, over the last ten years, just over three points or 3%. Higher? Per like, year on year? Sorry? Yeah. Yeah. I'm reading it now.","start_word":3599,"end_word":3684,"sentiment":"neutral","sentiment_score":0.10483863949775696},{"text":"It looks really promising.","start_word":3685,"end_word":3688,"sentiment":"positive","sentiment_score":0.5897178053855896},{"text":"Yeah. Oh. Oh, you're already, like, a thousand times. Well, you're way past me. Outside of that, the couple of things, I guess, I wanted to draw attention to were probably estate planning wise. As I understand, you are partnered. So Yeah. defacto now. So there's a couple Yeah. of avenues that we can definitely take. One, you have a lot of personal assets. They will all fall under your estate. All your your crypto, the cars, the everything like that, they fall under the estate.","start_word":3689,"end_word":3774,"sentiment":"neutral","sentiment_score":0.06895655588528445},{"text":"And I wanna make sure that we protect them. I wanna make sure that we get them to the right place that they need to go in the event that something happens to you. Because you're a a massing, a nice, healthy little egg. A will is gonna be the the way to proceed for all of those estate assets.","start_word":3775,"end_word":3834,"sentiment":"positive","sentiment_score":0.580007016658783},{"text":"Yep. You can do it a couple of different ways. Lawyer, you're looking at anywhere between sort of maybe 5 to $1,000 for a will and the power of attorney document. Yep. You can do it yourself through, like, will. You're looking at maybe a couple 100. And based on your current position, we're not gonna need a complex will. Like, we're not gonna need a trust or anything like that. If we're Still looking pretty at good. yeah. We're looking at trust structures. We're looking at, like, $5 to set up a trust, but, otherwise, pretty low in in terms of cost. With your superannuation fund, there's one of two options you have available to you. You can either, a, have your superannuation fund form part of your estate, which means that your will is going to dictate where that money goes. It means that you can nominate whoever you want. So the best friend that you've had for the last twenty years can get the money from your super fund. Or the other option is is that you can nominate a direct person. The only people that are able to be nominated directly are spouses, so your partner, children, Yep. irrespective of the age that that child is, or a financial dependent, I e, if you and your best mate buy a house together, live together, and are and are relying on each other financially for as long as that Yep. financial relationship exists. Yep. Yep. So Gotcha. those are basically the three relationships that we can do direct through your super fund. And I wanna make sure that we set things up properly. Last time I acknowledge that you were extremely young, still important to have it set up. I Yep.","start_word":3835,"end_word":4128,"sentiment":"neutral","sentiment_score":0.1476981015590837},{"text":"have unfortunately Agree. lost quite a number of 30 year old clients in Yeah.","start_word":4129,"end_word":4142,"sentiment":"negative","sentiment_score":-0.38779157400131226},{"text":"my decade. I agree. Yeah.","start_word":4143,"end_word":4147,"sentiment":"neutral","sentiment_score":-0.1653342992067337},{"text":"I've some of my friends have had close calls of cancer in their thirties.","start_word":4148,"end_word":4161,"sentiment":"negative","sentiment_score":-0.5105301141738892},{"text":"So, yeah, Yeah.","start_word":4162,"end_word":4164,"sentiment":"neutral","sentiment_score":-0.31412261724472046},{"text":"that's you're taken away.","start_word":4165,"end_word":4168,"sentiment":"negative","sentiment_score":-0.6135756373405457},{"text":"Yeah. So do you have any concept as to who you would wanna nominate? Because I can get the beneficiary nomination form out to you and get that all hunkered down. And then it's just a matter of how you wanna proceed will wise with either a solicitor or personally. Yeah. I think I wanna put, like, my partner and Yeah. my son in the wheel. In a will? Yeah. 100100%. I can't do your will, but your beneficiary nomination form, I can definitely do. Yeah. I'm gonna be really clear with this. Your son is still really young. If you nominate your son, what you are doing is you are forcing additional paperwork on your partner. And what is gonna happen is your partner ends up with money anyway. Okay. So sort Yep.","start_word":4169,"end_word":4302,"sentiment":"neutral","sentiment_score":-0.0026076652575284243},{"text":"of superfluous.","start_word":4303,"end_word":4304,"sentiment":"negative","sentiment_score":-0.392912358045578},{"text":"Little bit. Yeah. Okay. Everyone tries to do it. Like, I want my want my children to have money as well. But, realistically, if something happens to you tomorrow, you know, as Just go he would, see a partner. Yeah. your partner's gonna get it. Your partner's gonna use it to look after your child. Yeah. If something happens to you in eighteen years and all of a sudden you've got a grown up child who's out there, you know, leaving a car and wherever else, 100%. And that's something we can update in couple decades time as life Yep. is on. You can Yep. go and do updates, and you can go, hey. Actually, now I wanna make sure that my kid has money as well. Or Yeah. because your partner's always gonna be a tax free recipient of any superannuation and insurance funds, we keep it with your partner, and then you just trust and rely that your partner's gonna give a little bit of money to your kid. Yeah. Which will But happen. that's So a conversation for later us. Yep. Right now Yep. us, paperwork wise, it's quickest to get it straight to a bus stop and tax Yep. free Agree. and less Yep. of a headache.","start_word":4305,"end_word":4515,"sentiment":"neutral","sentiment_score":0.0854738626929256},{"text":"Yeah. Happy with that.","start_word":4516,"end_word":4519,"sentiment":"positive","sentiment_score":0.4925441443920135},{"text":"Yeah.","start_word":4520,"end_word":4520,"sentiment":"neutral","sentiment_score":0.31467902660369873},{"text":"Yeah. Perfect.","start_word":4521,"end_word":4522,"sentiment":"positive","sentiment_score":0.4758547246456146},{"text":"Do you want me to presale the details, or do you want me to just get your I'll I'll pop your details on the form. I'll send it to you, and you can put the details in. It's like full name, date of birth, address, which would be the same as your address. Yeah. Yep.","start_word":4523,"end_word":4577,"sentiment":"neutral","sentiment_score":0.15805041790008545},{"text":"I'm happy to do Yep. that. Cool. I'll I'll get that out of the house within the next couple days to you so that way that can be signed.","start_word":4578,"end_word":4606,"sentiment":"positive","sentiment_score":0.460444450378418},{"text":"It needs to be witnessed and not by your partner. Take it to work and get the mates at work to to witness, so that's fine. Okay. Does my partner need to be present for that? Or No. Not at all. No. You can do it behind oh, okay. the back. Just just Yeah. you Sweet. sign it and you get, like, two of them. I Yeah. Fair enough. mean, it's probably nice to tell your partner that you're doing it, but they doesn't need to know. So outside of that, what I'll do is I'll rework the feedback just a little bit just to go a little heavier on the kid. I might just be doing a familiar with me.","start_word":4607,"end_word":4727,"sentiment":"neutral","sentiment_score":0.03554962947964668},{"text":"I just have this awful feeling. Not awful. It's pretty ebb feeling, really.","start_word":4728,"end_word":4740,"sentiment":"negative","sentiment_score":-0.45514941215515137},{"text":"You were gonna wanna go a little heavier. So I will get get that in, and then I'll I'll resend the documents to you. And I'll just flick you an email to say, hey. Have a look. Come Yep. look. Not a problem.","start_word":4741,"end_word":4783,"sentiment":"neutral","sentiment_score":-0.017946004174476445},{"text":"Happy Perfect.","start_word":4784,"end_word":4785,"sentiment":"positive","sentiment_score":0.669762134552002},{"text":"day. Did you have any other questions at all? No. No.","start_word":4786,"end_word":4796,"sentiment":"neutral","sentiment_score":0.13940191268920898},{"text":"I'm I'm super super great. Thank you.","start_word":4797,"end_word":4803,"sentiment":"positive","sentiment_score":0.5822583436965942},{"text":"No. That's okay. Not a problem at all. I will yeah. I'll be working and get that all out to you as early next week.","start_word":4804,"end_word":4828,"sentiment":"neutral","sentiment_score":0.23318906128406525},{"text":"Awesome. No worries, Larissa. Thank you.","start_word":4829,"end_word":4834,"sentiment":"positive","sentiment_score":0.4318450689315796},{"text":"No.","start_word":4835,"end_word":4835,"sentiment":"neutral","sentiment_score":0.2850933074951172},{"text":"Absolutely. My absolute pleasure, Michael.","start_word":4836,"end_word":4840,"sentiment":"positive","sentiment_score":0.6296737194061279},{"text":"If you have any questions, give me a call or you'll have my email by this this evening. So flick me an email. Will do.","start_word":4841,"end_word":4865,"sentiment":"neutral","sentiment_score":0.23676180839538577},{"text":"Happy Cool. Alright. Well, I'll let you go and enjoy your evening.","start_word":4866,"end_word":4877,"sentiment":"positive","sentiment_score":0.4749741852283478},{"text":"days.","start_word":4878,"end_word":4878,"sentiment":"neutral","sentiment_score":0.2017398327589035},{"text":"Thanks.","start_word":4879,"end_word":4879,"sentiment":"positive","sentiment_score":0.4316610097885132},{"text":"You too. Thought it's what you got. Oh, I'll try.","start_word":4880,"end_word":4889,"sentiment":"neutral","sentiment_score":0.22242483496665957},{"text":"Thanks, Michael.","start_word":4890,"end_word":4891,"sentiment":"positive","sentiment_score":0.365562379360199},{"text":"Bye. Okay. Bye.","start_word":4892,"end_word":4894,"sentiment":"neutral","sentiment_score":0.1482820063829422}],"average":{"sentiment":"neutral","sentiment_score":0.06383850148957543}}}}