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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Wonderful. And, Holly, I just need to ask you to please confirm your full name, date of birth, and address. Yes, please. Wonderful. Thank you for that. I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives. Do you have time for that today? Wonderful. Alright. Thank you, Holly. What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds. One from a settlement through your separation with your ex partner. Mhmm. And you have some money from your settlement that you want to invest. So in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you directly. Yep. Okay. Yep. Yes. Yep. Okay. Yeah. Okay. Alright. So alright. Couple of things here that I'm just gonna break down a bit further with you. We still haven't received through the fund information from rest, which we're waiting on. Do you know oh, you did? Okay. Maybe it hasn't been updated on my end. Let me have a quick squeeze through the folder. I'm going to yeah. Okay. Alright. She may not have just updated my sheet for me. That's okay. I can get it from Maddie post the meeting, so that's fine. So what I'm gonna do is I'm gonna explain different type of superannuation funds. This may give you it's it's I'm gonna keep it really simple because I I feel like too much information overwhelms. So the type of funds that you're currently invested in are called industry funds. They typically can be cheaper on fees. Your funds are invested in a pooled asset, so you don't own any of the actual investments. You just own a portion of that fund. You're a member of that that fund. So if there's 10,000,000 invested in the balanced option, for example, you're a member of that, and you're allocated a portion of it because it's all pooled funds. The type of assets that investment industry funds invest in are very similar to what we invest in with the one variation being that they do typically have a allocation both of these funds to what we call unlisted assets, which means, put it simply, if you look at the share market, that's considered listed. So you can look it up daily and get a daily price. An unlisted asset is not listed, and it might be, for example, a Australian Retirement Trust owns Helensvale Shopping Center, and that's valued annually, for example. So your the values are not transparent, and they're periodic. So the reason why I personally steer clear of unlisted assets is for liquidity purposes and valuation transparency. Given that you've got quite a fair bit of time to retirement and retirement being I say retirement being 60 to access your super on today's legislation, twenty years, But having exposure to those assets is not necessarily a bad thing, given your time frame. The other type of investment, oh, platform or option for superannuation is a retail slash wholesale fund. And they're with the likes of some of the bigger names you might have seen is, like, MLC or what's another common one that's always out there? AMP or those types of companies. The companies that we look at, we have an open APL, which means that we can look at anyone and everyone as long as it suits our clients' best interests. And, you know, we would compare your current funds against any other one we considered. I note that you don't wanna keep either one of those. Are you open to any other type of industry fund, or do you want something with a bit more control where you can see what you're invested in. Yeah. Okay. Yep. Okay. Alright. Is fees a significant issue for you in superannuation? So fees, I mean, like, industry funds typically would cost a little bit less in investment fees, whereas a retail slash wholesale fund might be a little bit more, but you've got access to a large a significantly larger range of investment options that we can that can diversify your portfolio more. So, basically, if you think of that old saying, don't put all your eggs in one basket. Not that an industry fund does. They do diversify, but you have greater diversification in a fund that provides you with a large range of investment options. That's alright. We'll we'll circle back to that in a moment. That's absolutely fine. With you mentioned with your current job, your income is less than your expenses by how far? Mhmm. Yes. Mhmm. Okay. I understand. No. I can't platelet. Mhmm. Understand. Yep. Okay. So are you looking for other jobs at the moment? Okay. Alright. What I'm gonna do following this meeting is you mentioned you're gonna have a look at your cash flow and stuff over the next couple of days. I'm gonna send you through a tool. It's a spreadsheet that will just help you fill it in. It's very transparent, simple, very simple. And that will also help us with the investment of funds, understanding how much additional income you need. So that will tie in with the investment side of things and funding that. Do you get any child support? Okay. Alright. Yep. Alright. Beautiful. Okay. Alright. I yeah. Okay. Alright. Alright. Alright. And what's your part is it David Eastman is your partner? Yep. Now I have here your mom as your next of kin. That's still correct? Fantastic. And you have three beautiful children, 15, 12, and eight? Oh, sorry? Oh, wow. So you're all living together on a yeah. I understand. Yep. Oh, wow. Busy, busy house. Yep. Yep. Fair enough. Fair enough. Alright. So I've got all the details down here as your current role as an insurance clerk. It when you completed this with Maddie, it it seems like you were doing twenty five to thirty hours per week, but that sounds like it's reduced a fair bit just recently. Yep. I'm going to do I might update those. How many hours per week do you think you do now? Okay. Okay. Should we leave it at twenty five to thirty or and just see how it goes? Or okay. Alright. I'll just leave it as is for now. And your income I have down is $43,810 as a gross. So Yep. Okay. And I've got here your expenditure is your whole wage minus about 100 to $150 a week. Yep. Okay. K. And I've got a Kia Carnival at $18,000 and cash at a $195,000. Okay. And that's the cash you're looking at investing. At with that amount, how much are you looking at investing of that? Yep. It's good to keep a buffer for emergencies always. Okay. So I've made a note of that. That's absolutely fine. And insurance wise, you've got some insurance some life and paper day insurance in Australian Super that I can see. I'll get the details off Maddie. Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment? TPD is total and permanent disablement. So the simplest way to explain that, and it sounds horrible, but, basically, if you are bedridden and unable to work ever again, it's a lump sum payment that is paid to you to help with ongoing medical expenses and care that may be required. Yep. Yep. Yeah. I can I can definitely do that? I'm gonna ask you a couple of probing questions on that, so I do apologize in advance. So in the event of your death or any of these events happening, let's refer to them as yesterday because we know that they did not happen. You don't presently have any debts, so we don't need to look at repaying debt at the moment. But are there any plans in the future to purchase a home, do you believe? Yep. Okay. Do you think it would be five years plus away? Or within? Because the reason why I asked that question is if we go through underwriting today and you're completely healthy and you go you go through as no loadings or exclusions, what we would look at doing is potentially including an amount for future debt to be paid out. And if you and Dave purchased a property together, that's my assumption I'm making, so please correct me if I'm wrong. Okay. We could look at including an amount for your half of that for your children, so or for days, depending on how you wanna structure your estate planning to have that debt repaid. Because it so if I know this is a really difficult question to foresee or plan for, but if you were to purchase a house, how much do you think you're gonna be looking at spending? Yep. And would you being a blended family, the estate planning comes into play with that, and it's very, very common. Would you have your half paid out ideally and the ownership transferred to your children, or would it go to Dave? What are your thoughts there? Food for thought. What I might mhmm. Mhmm. Yeah. So, basically, once you get to that stage, you need to see a lawyer to make sure that everything is established correct and how you want it. So it might it might even be that the house goes today, that you have an insurance policy that is paid to your children. So those things are something that you and Dave would need to sit down and discuss and agree upon and then make sure your wills your estate planning reflected that. But I think even though you don't have a house at the moment or or sorry. Debt at the moment, life insurance is a good option to provide funds for your children as a nest egg and to cover them as they continue to get older. There are ways to protect that against access from people you may not want to have access to it. And, again, that's done through a will to protect them. So having a will is something that we will discuss and will form part of the advice. If I was to look at your children's ages, their education is funded by their father. If is would you want a lump sum available per child if something happened in a few years that was a nest egg for them to fall back on, or would you like it calculated more as an income that they can draw on over a number of years. Yeah. Yep. Yep. Mhmm. Yep. 100%. And that's dealt with through your will. So say, for example, you wanted $200,000 per child. Your life insurance policy would be directed to be paid to your estate, and then your estate would handle those funds per the child, which would then be if if access isn't until age 25, what happens is a testamentary trust is formed upon your disk, and the funds are held in trust as per your wishes in your estate, in your will. Yeah. Yeah. Whatever's in your will is what would be followed. From me from my perspective, I'm trying to see if we look at in having some insurance now in place that we can fund through your superannuation if cash flow is tight so that your children are protected and do have something to fall back on if, say, for example, you know, something happens to your ex husband as well and another somebody else ends up caring for them, there's funds there to replace to to to supplement the living expenses of your children while they're in being cared before by potentially another relative or something like that. So it's kind of like covering your bases, preplanning for the the dreaded, but knowing that there's something in place should anything ever happen. Yeah. So yeah. Yeah. So that can all be covered with a a solicitor when you do establish a will. So if something was to happen to you yesterday, if it was to her, how much do would you like per child to each child to receive If out of a life insurance policy. Just a you can give me a dollar figure if you like, if that makes it nice and easy. Alright. Let me do some fig yeah? There's no there's no usual or standard or anything like that. It's it's more about what you want them to have. There's no wrong or right answer. It could be that you're setting them up as a little nest egg to purchase a house in the future, or it might pay for university, or it it's what you it's kind of like a if you think of it as a legacy, what you wanna leave your children, if something was to happen to you while you're still continuing to build your wealth. Yeah. What my recommendations are, basically. That's why I'm asking questions. Yeah. And that's Yeah. So what happens is is we index it. It's indexed each year. So life insurance policy are indexed by the insurance companies with CPI to keep up with the cost of living, which is one of the protection mechanisms that are in place. And let's say, in five years' time, for example, you have your house. You've got everything sorted out the way you want. The children don't need those funds because they may inherit the house or vice versa. Whatever the plans are, we review your insurances every year as well along with your superannuation balance and whatever other advice investment portfolio we we manage on your behalf. So we are absolutely able to increase and decrease covers as we see fit and as per the recommendations from our discussions with you. So I'm happy to probably go away and probably just play with some figure if you like based on their ages and have a little bit of a play on a recommendation of insurance. Are you happy for me to do that? Yeah. Yep. Absolutely. Absolutely. I can do that. Then reverting back to the investment options, we wouldn't look at anything like an industry fund for investments typically because they're not available. But, also, we need liquidity because you're gonna need to use this as a supplement to your income for a period of time. Do you think it will be long term or just just until you find some alternative work that will Yep. Yep. Okay. So with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena? Yep. Okay. So when we look at investing, what kind of time frame are you and Dave looking at doing this in? Yeah. Okay. Okay. That changes things a fair bit in regard in regards to investing the money. When you invest similar to property, it's for long term growth and income generation. When we look at investing money in a portfolio, the same applies, and a minimum time frame is always recommended. So for a gross type portfolio, for example, that on average returns between seven to 9% per annum, you'd have a minimum time frame of investment for six years to actually see that and realize that. If you have alternate plans for those funds to move into the property market within a six to twelve month period, investing those funds is not something that I would recommend because you're going to the the issue is is that you're gonna invest those funds and then withdraw them, and there'll be capital gains tax potentially if there's a gross. It could be you know, you could invest, and there could be a market dip, and you've lost money. So we don't recommend investing for short term. If it is a six to twelve month, the ideal option would be a high interest cash account, a term deposit where your funds are not at risk of market movement. Movement. Does that make sense? Yeah. Because our our job is to always make sure that you any recommendation or advice that we provide you with is to put you in a better financial position. If that money is parked for another project or wealth creation goal, it would not be in your best interest to invest that money in a portfolio. Yeah. Super and insurance. Yeah. Yeah. Yep. Now if that goal ever changes regarding property, most certainly, we can look at investing it. But given that that's a pretty short term goal we would be able to work towards work towards achieving, I think that should be I wouldn't be comfortable providing advice and it putting you in a better off position. I I feel like it would it would put you in a worse off position. Yeah. So, yeah, I can definitely help to look at the superannuation side of things, consolidating it, getting it into a fund that is not Australian retirement or rest. Dave, what does Dave have? Have you looked at Dave's, for example? No? That's okay. I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame. And look at I'll also look and compare against other industry funds. I'm gonna make some recommendations based on a couple more questions I'm gonna ask you in a moment to get an idea of your risk profile of how we do invest your funds. But then but then, also, I'm gonna look at making recommendations for an insurance protection plan. Are you comfortable with that? Okay. Alright. So I apologize. These questions are some the first So the first question is, what is your how would you rate your willingness to take financial risk? Would it be very high, high, average, low, or very low? Yeah. Okay. And how familiar are you with investment markets? So are you com not. That's okay. Not familiar. Easy. How would you describe your experience and understanding of investment markets? Would it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at first? Yep. Yep. The one after it was mixed investment results have heightened your loss avoidance. Yep. Okay. What is the most ingress aggressive investment you have ever made? Direct shares, managed funds, investment property, your own home, or a high interest bank account? Aggressive investment you have ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account. Yep. Okay. Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital? So longer than ten years, between seven to nine, four to six, two to three, or two years. Capital is the balance of your superannuation. So given that you're twenty one years away from preservation age twenty years away. Sorry. The answer to that question in relation to superannuation would be longer than ten years. Yep. Okay. So inflation means things are getting more expensive over time, making today's money worth less. How much risk are you willing to take to keep up with the rising prices? Number one, willing to accept a very high risk. Two is willing to accept high risk. Three is willing to accept moderate. Four is a small amount of risk, and five is unwilling to take any risk. Yep. Investments can go up and down in value. How much of a drop in your investment value over a year would you start to worry? So we're talking about superannuation at the moment. More than 50%, up to 50%, up to 25%, up to 10%, or up to five percent. Yep. Okay. And this is a very similar question. How would you feel if in six months after investing, you found out that your portfolio decreased by 20% due to the movement the market movement, so the up and down. Would you invest more for growth, hold and wait for an improvement, shift your assets to more defensive assets to minimize your loss, or convert to cash to stop losses. Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, two to four, or zero to two? What kind of investment return would you expect to receive over the long term? So 8% or above per annum, six to 8% per annum, four to six, two to four, or zero to two. It's just Yep. That's okay. Yep. The markets look. It's gonna vary every single year. It's the long term return. So people do do tend to fixate on the annual return, but it's the it's the it's the long term averaged out return. So for example, one year, your portfolio might do 5%. But in the last three years, it's averaged out 13% each year. It's the long term return that we're looking for in investments. Yeah. Yeah. Yeah. So that's no. That's not ideal. No. We would definitely look at look at that. Only a couple more questions. Have your investments, including superannuation, ever dropped in value? And if yes, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? Yep. If it if it did, would you be concerned? Would you be anxious? Would you just watch and wait and be cautious, or would you be optimistic about the future? Yep. Yep. Yep. Yep. Yeah. Well, we wouldn't be doing our job if we left at fifteen years. We we'd be in a bit of trouble. Alright. So how much risk are you willing to take to get the return you want? So max return regardless of risk, high return oh, sorry. High risk for big returns, moderate risk for good returns, minimal risk for slight returns, or safety first. Moderate? Okay. Okay. What kind of income do you expect to get from your investments in the future? So an example of capital growth is a share price increasing over time. So that's the fluctuation in the market movement that we see. And an example is of income is the dividend. So the dividend that's paid or a cash into a bank account. So the kind of in so referring this to superannuation and making it relevant is in with your super fund, what kind of income do you expect to get from your investments in the future? At the moment, given you're twenty years away, is it capital growth only, no income, minimal income, mostly capital growth, a balance of income and capital growth, high income with some capital growth, or all income, no capital growth. So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets. Your so your growth assets, your shares So you when, you know, when you look at the the ASX and on the news and they talk about all the ups and downs and the volatilities and, you know, the HP is up whatever percent, They're your they're your growth assets. Your defensive assets are fixed interest and cash. So when we build a portfolio for your superannuation, you'll have a combination of both in your portfolio. Basically, this question's asking, based on your age now and proximity to access your funds, which is twenty years, do you want more exposure to growth assets to grow your funds over the longer term, or do you want more income producing defensive assets that is gonna produce income but not but very minimal long term growth? Income no. No. So when we refer to income in this respect, it's from your defensive portfolio. So if you think of a term deposit, I'm just gonna use a term deposit as an example, it pays interest. That in the investment market is termed as income. It's not gross. So you haven't you don't have any gross opportunity in a in a fixed in a term deposit, it produces an income for you only, which is a return of cash, basically. Whereas a share, for example, if we look at CBA, the if you purchase the CBA share at $100, and in five years' time, that share was worth $200, your gross is $100 per share. That's a gross. So it's grown in value over time. But with a share, you also have an income component, which is the dividend. So it pays you a dividend usually on a quarterly basis, and it would be it would it might be, I don't know, $5 per share you hold or something like that. And that's the income component. So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use as an example, or do you want it more in a term deposit type investment for the example I explained to you? Yes. Okay. So now we've then when we look at that, would you want it in capital gross only with no income or minimal income with mostly capital gross or a balance of both? Correct. Yep. Yep. Okay. Beautiful. The next question is, have you ever thought about taking out a loan to invest? I know that you said you've done an investment property before, and you're looking at doing it again. But have you ever thought of borrowing money to invest in shares, or is it just an investment property? Yep. Okay. That's fine. And then the last question is thinking about your last answer, how did taking that loan out to invest make you feel for an investment property? Were you comfortable and aware of the risks, somewhat comfortable, cautious of the risks? You are careful with your borrowing and understand the risks associated, you are hesitant, or you were worried about the borrowing due to significant risks? Yep. Okay. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Okay. So do you think you would be comfortable somewhat comfortable cautious of the risks, or you'd be careful with your borrowings understanding its risks moving forward, or would you be hesitant? Yeah. So there's five all up, so I'll read them out to you again. So if we think about the future plans of purchasing the investment property, how would you feel taking on a new loan for the investment property, would you be comfortable borrowing for it, aware of the risks? Would you be somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, very wary very wary of risks, and worried about borrowing due to the significant risks. Yep. So some yep. So the the second one actually is somewhat comfortable, cautious of the risks. The other one is careful with borrowing, understanding its risks. It's it's hard, isn't it? Yeah. They are. Yep. Yeah. Yep. That's yeah. That's one of the answers. Yeah. Yep. Okay. Fantastic. It gives me an overview of your risk tolerance. So what I'm gonna do is explain to you how that has come out. You've come out as what we describe as a balanced growth investor. I I I believe in just our conversation, it's probably due to the fact that you haven't had much exposure to managing finances by the sound of it and being confident enough to make those decisions yourself. I'm just opening up a document so I can talk you through this. What a balanced growth investor is is when we look at investing, we talk about the growth investments being so those growth being your shares that produce growth and income, having about 70% of your superannuation balance attributed and invested in that area with approximately the remaining 30% in your fixed fixed interest. So it's cash and bonds and those types of things. Over the long term, you would expect a return of between six to 8% per annum. So you're probably invested in something very similar to that at the moment with that 7% return you mentioned with a likelihood of a negative year, one in every six years being negative, and then a minimum time frame for investment of at least five years to outlast that volatility that we have touched on the market volatility. Growth portfolio is the right thing to do for the time being. Growth portfolio is the right thing to do for the time being. I think once you have some more exposure and you see how the portfolio works and you you have a little bit more comfort with how how it works, we could look at increasing your exposure to growth assets then. But, again, that's just my my advice and my opinion. We if you feel like you wanna take more of a a step up and allocate, go the next one up, which is a growth investor, which is an 80% allocation to your growth assets and 20% to defensive assets, that again bumps up the annualized return of about seven to 9% per annum that you would see. This is just a guide. It's not in writing. It's what we would statistically, what we look at long term. But that one is having a minimum of at least six years of an investment time frame. So no matter what you choose, you've got time on your side to withstand that wave of volatility that you're gonna experience no matter where your funds are invested. It's just really your comfort level of how how much exposure you want to those growth assets at the moment or or whether you wanna go high and watch how it goes or whether you just wanna start start and ease in. And as you grow confidence and understanding how the portfolio works and and having our having regular meetings and catch ups, we can look to increase exposure over time. It's a lot. 100%. I will send you a summary email of our whole conversation and go over that. And so you've got the information there to be able to make an informed decision. It's a lot to process, and it's not something that, you know, I'd expect you to make a decision right now on. Alright. What I'm going to do is I'm going to there's a few items on my end that I'll work on putting together. I'm gonna send you through a summary email of our conversation. There are some other details that I do need from you if you do wish to proceed, and that's copies of your ID. I'll send you through a link at a later date to complete a ID certification. So that's just to confirm who you are. You know, it's to do with anti money laundering rules. But we've got we've got a cross tick, which I'm sure you understand being in the insurance insurance business. So what I'll do is I'm gonna send you a summary email. I'll touch base with you next week, and this it will just outline next steps and and what we can do from here on in. Alright. Wonderful. Thank you, Holly. And I will just send this off to you, and I will speak to you next week. Thank thank you so much for your time. Okay. 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Holly. This is Jenna Phoning from Oakview Financial. How are you today? I'm very well. Thank you.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Wonderful. And, Holly, I just need to ask you to please confirm your full name, date of birth, and address. Yes, please.\n\nWonderful. Thank you for that. I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives. Do you have time for that today? Wonderful.\n\nAlright. Thank you, Holly. What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds. One from a settlement through your separation with your ex partner. Mhmm.\n\nAnd you have some money from your settlement that you want to invest. So in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you directly. Yep. Okay. Yep.\n\nYes. Yep. Okay. Yeah. Okay.\n\nAlright. So alright. Couple of things here that I'm just gonna break down a bit further with you. We still haven't received through the fund information from rest, which we're waiting on. Do you know oh, you did?\n\nOkay. Maybe it hasn't been updated on my end. Let me have a quick squeeze through the folder. I'm going to yeah. Okay.\n\nAlright. She may not have just updated my sheet for me. That's okay. I can get it from Maddie post the meeting, so that's fine. So what I'm gonna do is I'm gonna explain different type of superannuation funds.\n\nThis may give you it's it's I'm gonna keep it really simple because I I feel like too much information overwhelms. So the type of funds that you're currently invested in are called industry funds. They typically can be cheaper on fees. Your funds are invested in a pooled asset, so you don't own any of the actual investments. You just own a portion of that fund.\n\nYou're a member of that that fund. So if there's 10,000,000 invested in the balanced option, for example, you're a member of that, and you're allocated a portion of it because it's all pooled funds. The type of assets that investment industry funds invest in are very similar to what we invest in with the one variation being that they do typically have a allocation both of these funds to what we call unlisted assets, which means, put it simply, if you look at the share market, that's considered listed. So you can look it up daily and get a daily price. An unlisted asset is not listed, and it might be, for example, a Australian Retirement Trust owns Helensvale Shopping Center, and that's valued annually, for example.\n\nSo your the values are not transparent, and they're periodic. So the reason why I personally steer clear of unlisted assets is for liquidity purposes and valuation transparency. Given that you've got quite a fair bit of time to retirement and retirement being I say retirement being 60 to access your super on today's legislation, twenty years, But having exposure to those assets is not necessarily a bad thing, given your time frame. The other type of investment, oh, platform or option for superannuation is a retail slash wholesale fund. And they're with the likes of some of the bigger names you might have seen is, like, MLC or what's another common one that's always out there?\n\nAMP or those types of companies. The companies that we look at, we have an open APL, which means that we can look at anyone and everyone as long as it suits our clients' best interests. And, you know, we would compare your current funds against any other one we considered. I note that you don't wanna keep either one of those. Are you open to any other type of industry fund, or do you want something with a bit more control where you can see what you're invested in.\n\nYeah. Okay. Yep. Okay. Alright.\n\nIs fees a significant issue for you in superannuation? So fees, I mean, like, industry funds typically would cost a little bit less in investment fees, whereas a retail slash wholesale fund might be a little bit more, but you've got access to a large a significantly larger range of investment options that we can that can diversify your portfolio more. So, basically, if you think of that old saying, don't put all your eggs in one basket. Not that an industry fund does. They do diversify, but you have greater diversification in a fund that provides you with a large range of investment options.\n\nThat's alright. We'll we'll circle back to that in a moment. That's absolutely fine. With you mentioned with your current job, your income is less than your expenses by how far? Mhmm.\n\nYes. Mhmm. Okay. I understand. No.\n\nI can't platelet. Mhmm. Understand. Yep. Okay.\n\nSo are you looking for other jobs at the moment? Okay. Alright. What I'm gonna do following this meeting is you mentioned you're gonna have a look at your cash flow and stuff over the next couple of days. I'm gonna send you through a tool.\n\nIt's a spreadsheet that will just help you fill it in. It's very transparent, simple, very simple. And that will also help us with the investment of funds, understanding how much additional income you need. So that will tie in with the investment side of things and funding that. Do you get any child support?\n\nOkay. Alright. Yep. Alright. Beautiful.\n\nOkay. Alright. I yeah. Okay. Alright.\n\nAlright. Alright. And what's your part is it David Eastman is your partner? Yep. Now I have here your mom as your next of kin.\n\nThat's still correct? Fantastic. And you have three beautiful children, 15, 12, and eight? Oh, sorry? Oh, wow.\n\nSo you're all living together on a yeah. I understand. Yep. Oh, wow. Busy, busy house.\n\nYep. Yep. Fair enough. Fair enough. Alright.\n\nSo I've got all the details down here as your current role as an insurance clerk. It when you completed this with Maddie, it it seems like you were doing twenty five to thirty hours per week, but that sounds like it's reduced a fair bit just recently. Yep. I'm going to do I might update those. How many hours per week do you think you do now?\n\nOkay. Okay. Should we leave it at twenty five to thirty or and just see how it goes? Or okay. Alright.\n\nI'll just leave it as is for now. And your income I have down is $43,810 as a gross. So Yep. Okay. And I've got here your expenditure is your whole wage minus about 100 to $150 a week.\n\nYep. Okay. K. And I've got a Kia Carnival at $18,000 and cash at a $195,000. Okay.\n\nAnd that's the cash you're looking at investing. At with that amount, how much are you looking at investing of that? Yep. It's good to keep a buffer for emergencies always. Okay.\n\nSo I've made a note of that. That's absolutely fine. And insurance wise, you've got some insurance some life and paper day insurance in Australian Super that I can see. I'll get the details off Maddie. Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment?\n\nTPD is total and permanent disablement. So the simplest way to explain that, and it sounds horrible, but, basically, if you are bedridden and unable to work ever again, it's a lump sum payment that is paid to you to help with ongoing medical expenses and care that may be required. Yep. Yep. Yeah.\n\nI can I can definitely do that? I'm gonna ask you a couple of probing questions on that, so I do apologize in advance. So in the event of your death or any of these events happening, let's refer to them as yesterday because we know that they did not happen. You don't presently have any debts, so we don't need to look at repaying debt at the moment. But are there any plans in the future to purchase a home, do you believe?\n\nYep. Okay. Do you think it would be five years plus away? Or within? Because the reason why I asked that question is if we go through underwriting today and you're completely healthy and you go you go through as no loadings or exclusions, what we would look at doing is potentially including an amount for future debt to be paid out.\n\nAnd if you and Dave purchased a property together, that's my assumption I'm making, so please correct me if I'm wrong. Okay. We could look at including an amount for your half of that for your children, so or for days, depending on how you wanna structure your estate planning to have that debt repaid. Because it so if I know this is a really difficult question to foresee or plan for, but if you were to purchase a house, how much do you think you're gonna be looking at spending? Yep.\n\nAnd would you being a blended family, the estate planning comes into play with that, and it's very, very common. Would you have your half paid out ideally and the ownership transferred to your children, or would it go to Dave? What are your thoughts there? Food for thought. What I might mhmm.\n\nMhmm. Yeah. So, basically, once you get to that stage, you need to see a lawyer to make sure that everything is established correct and how you want it. So it might it might even be that the house goes today, that you have an insurance policy that is paid to your children. So those things are something that you and Dave would need to sit down and discuss and agree upon and then make sure your wills your estate planning reflected that.\n\nBut I think even though you don't have a house at the moment or or sorry. Debt at the moment, life insurance is a good option to provide funds for your children as a nest egg and to cover them as they continue to get older. There are ways to protect that against access from people you may not want to have access to it. And, again, that's done through a will to protect them. So having a will is something that we will discuss and will form part of the advice.\n\nIf I was to look at your children's ages, their education is funded by their father. If is would you want a lump sum available per child if something happened in a few years that was a nest egg for them to fall back on, or would you like it calculated more as an income that they can draw on over a number of years. Yeah. Yep. Yep.\n\nMhmm. Yep. 100%. And that's dealt with through your will. So say, for example, you wanted $200,000 per child.\n\nYour life insurance policy would be directed to be paid to your estate, and then your estate would handle those funds per the child, which would then be if if access isn't until age 25, what happens is a testamentary trust is formed upon your disk, and the funds are held in trust as per your wishes in your estate, in your will. Yeah. Yeah. Whatever's in your will is what would be followed. From me from my perspective, I'm trying to see if we look at in having some insurance now in place that we can fund through your superannuation if cash flow is tight so that your children are protected and do have something to fall back on if, say, for example, you know, something happens to your ex husband as well and another somebody else ends up caring for them, there's funds there to replace to to to supplement the living expenses of your children while they're in being cared before by potentially another relative or something like that.\n\nSo it's kind of like covering your bases, preplanning for the the dreaded, but knowing that there's something in place should anything ever happen. Yeah. So yeah. Yeah. So that can all be covered with a a solicitor when you do establish a will.\n\nSo if something was to happen to you yesterday, if it was to her, how much do would you like per child to each child to receive If out of a life insurance policy. Just a you can give me a dollar figure if you like, if that makes it nice and easy. Alright. Let me do some fig yeah? There's no there's no usual or standard or anything like that.\n\nIt's it's more about what you want them to have. There's no wrong or right answer. It could be that you're setting them up as a little nest egg to purchase a house in the future, or it might pay for university, or it it's what you it's kind of like a if you think of it as a legacy, what you wanna leave your children, if something was to happen to you while you're still continuing to build your wealth. Yeah. What my recommendations are, basically.\n\nThat's why I'm asking questions. Yeah. And that's Yeah. So what happens is is we index it. It's indexed each year.\n\nSo life insurance policy are indexed by the insurance companies with CPI to keep up with the cost of living, which is one of the protection mechanisms that are in place. And let's say, in five years' time, for example, you have your house. You've got everything sorted out the way you want. The children don't need those funds because they may inherit the house or vice versa. Whatever the plans are, we review your insurances every year as well along with your superannuation balance and whatever other advice investment portfolio we we manage on your behalf.\n\nSo we are absolutely able to increase and decrease covers as we see fit and as per the recommendations from our discussions with you. So I'm happy to probably go away and probably just play with some figure if you like based on their ages and have a little bit of a play on a recommendation of insurance. Are you happy for me to do that? Yeah. Yep.\n\nAbsolutely. Absolutely. I can do that. Then reverting back to the investment options, we wouldn't look at anything like an industry fund for investments typically because they're not available. But, also, we need liquidity because you're gonna need to use this as a supplement to your income for a period of time.\n\nDo you think it will be long term or just just until you find some alternative work that will Yep. Yep. Okay. So with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena? Yep.\n\nOkay. So when we look at investing, what kind of time frame are you and Dave looking at doing this in? Yeah. Okay. Okay.\n\nThat changes things a fair bit in regard in regards to investing the money. When you invest similar to property, it's for long term growth and income generation. When we look at investing money in a portfolio, the same applies, and a minimum time frame is always recommended. So for a gross type portfolio, for example, that on average returns between seven to 9% per annum, you'd have a minimum time frame of investment for six years to actually see that and realize that. If you have alternate plans for those funds to move into the property market within a six to twelve month period, investing those funds is not something that I would recommend because you're going to the the issue is is that you're gonna invest those funds and then withdraw them, and there'll be capital gains tax potentially if there's a gross.\n\nIt could be you know, you could invest, and there could be a market dip, and you've lost money. So we don't recommend investing for short term. If it is a six to twelve month, the ideal option would be a high interest cash account, a term deposit where your funds are not at risk of market movement. Movement. Does that make sense?\n\nYeah. Because our our job is to always make sure that you any recommendation or advice that we provide you with is to put you in a better financial position. If that money is parked for another project or wealth creation goal, it would not be in your best interest to invest that money in a portfolio. Yeah. Super and insurance.\n\nYeah. Yeah. Yep. Now if that goal ever changes regarding property, most certainly, we can look at investing it. But given that that's a pretty short term goal we would be able to work towards work towards achieving, I think that should be I wouldn't be comfortable providing advice and it putting you in a better off position.\n\nI I feel like it would it would put you in a worse off position. Yeah. So, yeah, I can definitely help to look at the superannuation side of things, consolidating it, getting it into a fund that is not Australian retirement or rest. Dave, what does Dave have? Have you looked at Dave's, for example?\n\nNo? That's okay. I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame. And look at I'll also look and compare against other industry funds. I'm gonna make some recommendations based on a couple more questions I'm gonna ask you in a moment to get an idea of your risk profile of how we do invest your funds.\n\nBut then but then, also, I'm gonna look at making recommendations for an insurance protection plan. Are you comfortable with that? Okay. Alright. So I apologize.\n\nThese questions are some the first So the first question is, what is your how would you rate your willingness to take financial risk? Would it be very high, high, average, low, or very low? Yeah. Okay. And how familiar are you with investment markets?\n\nSo are you com not. That's okay. Not familiar. Easy. How would you describe your experience and understanding of investment markets?\n\nWould it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at first? Yep. Yep. The one after it was mixed investment results have heightened your loss avoidance. Yep.\n\nOkay. What is the most ingress aggressive investment you have ever made? Direct shares, managed funds, investment property, your own home, or a high interest bank account? Aggressive investment you have ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account.\n\nYep. Okay. Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital? So longer than ten years, between seven to nine, four to six, two to three, or two years. Capital is the balance of your superannuation.\n\nSo given that you're twenty one years away from preservation age twenty years away. Sorry. The answer to that question in relation to superannuation would be longer than ten years. Yep. Okay.\n\nSo inflation means things are getting more expensive over time, making today's money worth less. How much risk are you willing to take to keep up with the rising prices? Number one, willing to accept a very high risk. Two is willing to accept high risk. Three is willing to accept moderate.\n\nFour is a small amount of risk, and five is unwilling to take any risk. Yep. Investments can go up and down in value. How much of a drop in your investment value over a year would you start to worry? So we're talking about superannuation at the moment.\n\nMore than 50%, up to 50%, up to 25%, up to 10%, or up to five percent. Yep. Okay. And this is a very similar question. How would you feel if in six months after investing, you found out that your portfolio decreased by 20% due to the movement the market movement, so the up and down.\n\nWould you invest more for growth, hold and wait for an improvement, shift your assets to more defensive assets to minimize your loss, or convert to cash to stop losses. Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, two to four, or zero to two?\n\nWhat kind of investment return would you expect to receive over the long term? So 8% or above per annum, six to 8% per annum, four to six, two to four, or zero to two. It's just Yep. That's okay. Yep.\n\nThe markets look. It's gonna vary every single year. It's the long term return. So people do do tend to fixate on the annual return, but it's the it's the it's the long term averaged out return. So for example, one year, your portfolio might do 5%.\n\nBut in the last three years, it's averaged out 13% each year. It's the long term return that we're looking for in investments. Yeah. Yeah. Yeah.\n\nSo that's no. That's not ideal. No. We would definitely look at look at that. Only a couple more questions.\n\nHave your investments, including superannuation, ever dropped in value? And if yes, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? Yep. If it if it did, would you be concerned?\n\nWould you be anxious? Would you just watch and wait and be cautious, or would you be optimistic about the future? Yep. Yep. Yep.\n\nYep. Yeah. Well, we wouldn't be doing our job if we left at fifteen years. We we'd be in a bit of trouble. Alright.\n\nSo how much risk are you willing to take to get the return you want? So max return regardless of risk, high return oh, sorry. High risk for big returns, moderate risk for good returns, minimal risk for slight returns, or safety first. Moderate? Okay.\n\nOkay. What kind of income do you expect to get from your investments in the future? So an example of capital growth is a share price increasing over time. So that's the fluctuation in the market movement that we see. And an example is of income is the dividend.\n\nSo the dividend that's paid or a cash into a bank account. So the kind of in so referring this to superannuation and making it relevant is in with your super fund, what kind of income do you expect to get from your investments in the future? At the moment, given you're twenty years away, is it capital growth only, no income, minimal income, mostly capital growth, a balance of income and capital growth, high income with some capital growth, or all income, no capital growth. So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets. Your so your growth assets, your shares So you when, you know, when you look at the the ASX and on the news and they talk about all the ups and downs and the volatilities and, you know, the HP is up whatever percent, They're your they're your growth assets.\n\nYour defensive assets are fixed interest and cash. So when we build a portfolio for your superannuation, you'll have a combination of both in your portfolio. Basically, this question's asking, based on your age now and proximity to access your funds, which is twenty years, do you want more exposure to growth assets to grow your funds over the longer term, or do you want more income producing defensive assets that is gonna produce income but not but very minimal long term growth? Income no. No.\n\nSo when we refer to income in this respect, it's from your defensive portfolio. So if you think of a term deposit, I'm just gonna use a term deposit as an example, it pays interest. That in the investment market is termed as income. It's not gross. So you haven't you don't have any gross opportunity in a in a fixed in a term deposit, it produces an income for you only, which is a return of cash, basically.\n\nWhereas a share, for example, if we look at CBA, the if you purchase the CBA share at $100, and in five years' time, that share was worth $200, your gross is $100 per share. That's a gross. So it's grown in value over time. But with a share, you also have an income component, which is the dividend. So it pays you a dividend usually on a quarterly basis, and it would be it would it might be, I don't know, $5 per share you hold or something like that.\n\nAnd that's the income component. So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use as an example, or do you want it more in a term deposit type investment for the example I explained to you? Yes. Okay. So now we've then when we look at that, would you want it in capital gross only with no income or minimal income with mostly capital gross or a balance of both?\n\nCorrect. Yep. Yep. Okay. Beautiful.\n\nThe next question is, have you ever thought about taking out a loan to invest? I know that you said you've done an investment property before, and you're looking at doing it again. But have you ever thought of borrowing money to invest in shares, or is it just an investment property? Yep. Okay.\n\nThat's fine. And then the last question is thinking about your last answer, how did taking that loan out to invest make you feel for an investment property? Were you comfortable and aware of the risks, somewhat comfortable, cautious of the risks? You are careful with your borrowing and understand the risks associated, you are hesitant, or you were worried about the borrowing due to significant risks? Yep.\n\nOkay. Yep. Mhmm. Yep. Yep.\n\nMhmm. Mhmm. Mhmm. Yep. Mhmm.\n\nMhmm. Yep. Okay. So do you think you would be comfortable somewhat comfortable cautious of the risks, or you'd be careful with your borrowings understanding its risks moving forward, or would you be hesitant? Yeah.\n\nSo there's five all up, so I'll read them out to you again. So if we think about the future plans of purchasing the investment property, how would you feel taking on a new loan for the investment property, would you be comfortable borrowing for it, aware of the risks? Would you be somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, very wary very wary of risks, and worried about borrowing due to the significant risks. Yep. So some yep.\n\nSo the the second one actually is somewhat comfortable, cautious of the risks. The other one is careful with borrowing, understanding its risks. It's it's hard, isn't it? Yeah. They are.\n\nYep. Yeah. Yep. That's yeah. That's one of the answers.\n\nYeah. Yep. Okay. Fantastic. It gives me an overview of your risk tolerance.\n\nSo what I'm gonna do is explain to you how that has come out. You've come out as what we describe as a balanced growth investor. I I I believe in just our conversation, it's probably due to the fact that you haven't had much exposure to managing finances by the sound of it and being confident enough to make those decisions yourself. I'm just opening up a document so I can talk you through this. What a balanced growth investor is is when we look at investing, we talk about the growth investments being so those growth being your shares that produce growth and income, having about 70% of your superannuation balance attributed and invested in that area with approximately the remaining 30% in your fixed fixed interest.\n\nSo it's cash and bonds and those types of things. Over the long term, you would expect a return of between six to 8% per annum. So you're probably invested in something very similar to that at the moment with that 7% return you mentioned with a likelihood of a negative year, one in every six years being negative, and then a minimum time frame for investment of at least five years to outlast that volatility that we have touched on the market volatility. Growth portfolio is the right thing to do for the time being. Growth portfolio is the right thing to do for the time being.\n\nI think once you have some more exposure and you see how the portfolio works and you you have a little bit more comfort with how how it works, we could look at increasing your exposure to growth assets then. But, again, that's just my my advice and my opinion. We if you feel like you wanna take more of a a step up and allocate, go the next one up, which is a growth investor, which is an 80% allocation to your growth assets and 20% to defensive assets, that again bumps up the annualized return of about seven to 9% per annum that you would see. This is just a guide. It's not in writing.\n\nIt's what we would statistically, what we look at long term. But that one is having a minimum of at least six years of an investment time frame. So no matter what you choose, you've got time on your side to withstand that wave of volatility that you're gonna experience no matter where your funds are invested. It's just really your comfort level of how how much exposure you want to those growth assets at the moment or or whether you wanna go high and watch how it goes or whether you just wanna start start and ease in. And as you grow confidence and understanding how the portfolio works and and having our having regular meetings and catch ups, we can look to increase exposure over time.\n\nIt's a lot. 100%. I will send you a summary email of our whole conversation and go over that. And so you've got the information there to be able to make an informed decision. It's a lot to process, and it's not something that, you know, I'd expect you to make a decision right now on.\n\nAlright. What I'm going to do is I'm going to there's a few items on my end that I'll work on putting together. I'm gonna send you through a summary email of our conversation. There are some other details that I do need from you if you do wish to proceed, and that's copies of your ID. I'll send you through a link at a later date to complete a ID certification.\n\nSo that's just to confirm who you are. You know, it's to do with anti money laundering rules. But we've got we've got a cross tick, which I'm sure you understand being in the insurance insurance business. So what I'll do is I'm gonna send you a summary email. I'll touch base with you next week, and this it will just outline next steps and and what we can do from here on in.\n\nAlright. Wonderful. Thank you, Holly. And I will just send this off to you, and I will speak to you next week. Thank thank you so much for your time.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Holly.","start":5.52,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.16387055814266205},{"text":"This is Jenna Phoning from Oakview Financial.","start":6.3199997,"end":8.74,"sentiment":"neutral","sentiment_score":0.1738414168357849},{"text":"How are you today?","start":8.8,"end":9.78,"sentiment":"neutral","sentiment_score":0.22896680235862732},{"text":"I'm very well.","start":12.559999,"end":13.5199995,"sentiment":"positive","sentiment_score":0.5533580581347147},{"text":"Thank you.","start":13.5199995,"end":14.34,"sentiment":"positive","sentiment_score":0.5885980725288391}],"sentiment":"neutral","sentiment_score":0.2943204757240083,"num_words":18,"start":5.52,"end":14.34},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":14.945,"end":21.585,"sentiment":"neutral","sentiment_score":0.050142314123070755},{"text":"Is that okay?","start":21.585,"end":22.485,"sentiment":"neutral","sentiment_score":0.053804164131482445},{"text":"Wonderful.","start":24.785,"end":25.285,"sentiment":"positive","sentiment_score":0.34917789697647095},{"text":"And, Holly, I just need to ask you to please confirm your full name, date of birth, and address.","start":25.744999,"end":44.41,"sentiment":"neutral","sentiment_score":0.04855265561491251},{"text":"Yes, please.","start":44.41,"end":45.285,"sentiment":"neutral","sentiment_score":0.014538277871906757}],"sentiment":"neutral","sentiment_score":0.05448834638809785,"num_words":48,"start":14.945,"end":45.285},{"sentences":[{"text":"Wonderful.","start":50.005,"end":50.505,"sentiment":"positive","sentiment_score":0.3903692662715912},{"text":"Thank you for that.","start":50.565,"end":51.625,"sentiment":"positive","sentiment_score":0.5101998746395111},{"text":"I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives.","start":53.125,"end":64.31,"sentiment":"neutral","sentiment_score":0.22570372174183528},{"text":"Do you have time for that today?","start":64.61,"end":66.47,"sentiment":"neutral","sentiment_score":0.09348210798842567},{"text":"Wonderful.","start":68.37,"end":68.87,"sentiment":"neutral","sentiment_score":0.2949519157409668}],"sentiment":"neutral","sentiment_score":0.23608388578475908,"num_words":43,"start":50.005,"end":68.87},{"sentences":[{"text":"Alright.","start":69.09,"end":69.59,"sentiment":"neutral","sentiment_score":0.17701558768749237},{"text":"Thank you, Holly.","start":69.89,"end":70.95,"sentiment":"neutral","sentiment_score":0.30600786705811817},{"text":"What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds.","start":71.235,"end":84.695,"sentiment":"neutral","sentiment_score":0.060269696959133805},{"text":"One from a settlement through your separation with your ex partner.","start":85.12,"end":90.02,"sentiment":"neutral","sentiment_score":0.03384557044641538},{"text":"Mhmm.","start":91.119995,"end":91.6,"sentiment":"neutral","sentiment_score":0.0468650758266449}],"sentiment":"neutral","sentiment_score":0.07248948336475425,"num_words":45,"start":69.09,"end":91.6},{"sentences":[{"text":"And you have some money from your settlement that you want to invest.","start":91.6,"end":96.1,"sentiment":"neutral","sentiment_score":0.07413797882887033},{"text":"So in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you directly.","start":96.32,"end":120.01,"sentiment":"neutral","sentiment_score":0.12964834195251265},{"text":"Yep.","start":148.74,"end":148.995,"sentiment":"neutral","sentiment_score":0.00717625766992569},{"text":"Okay.","start":157.39499,"end":157.89499,"sentiment":"neutral","sentiment_score":0.01244574598968029},{"text":"Yep.","start":164.515,"end":164.73,"sentiment":"neutral","sentiment_score":0.011877003125846386}],"sentiment":"neutral","sentiment_score":0.10889678926636967,"num_words":52,"start":91.6,"end":164.73},{"sentences":[{"text":"Yes.","start":170.17,"end":170.65,"sentiment":"neutral","sentiment_score":0.03820187598466873},{"text":"Yep.","start":170.65,"end":171.15,"sentiment":"neutral","sentiment_score":-0.01259281113743782},{"text":"Okay.","start":174.73,"end":175.23,"sentiment":"neutral","sentiment_score":0.015096180140972136},{"text":"Yeah.","start":177.12999,"end":177.255,"sentiment":"neutral","sentiment_score":-0.007203949615359306},{"text":"Okay.","start":212.325,"end":212.825,"sentiment":"neutral","sentiment_score":0.13847202062606812}],"sentiment":"neutral","sentiment_score":0.03439466319978237,"num_words":5,"start":170.17,"end":212.825},{"sentences":[{"text":"Alright.","start":213.925,"end":214.425,"sentiment":"neutral","sentiment_score":0.14408384263515472},{"text":"So alright.","start":216.28,"end":217.0,"sentiment":"neutral","sentiment_score":0.12030960619449615},{"text":"Couple of things here that I'm just gonna break down a bit further with you.","start":217.0,"end":220.84,"sentiment":"neutral","sentiment_score":0.08659268493453662},{"text":"We still haven't received through the fund information from rest, which we're waiting on.","start":220.84,"end":227.5,"sentiment":"neutral","sentiment_score":-0.06634522708398956},{"text":"Do you know oh, you did?","start":227.785,"end":231.405,"sentiment":"neutral","sentiment_score":-0.01815007533878088}],"sentiment":"neutral","sentiment_score":0.016996307837727823,"num_words":38,"start":213.925,"end":231.405},{"sentences":[{"text":"Okay.","start":231.865,"end":232.365,"sentiment":"neutral","sentiment_score":-0.017823610454797745},{"text":"Maybe it hasn't been updated on my end.","start":232.585,"end":234.825,"sentiment":"neutral","sentiment_score":-0.12797054555267096},{"text":"Let me have a quick squeeze through the folder.","start":234.825,"end":238.685,"sentiment":"neutral","sentiment_score":-0.018117816497882206},{"text":"I'm going to yeah.","start":240.345,"end":245.76999,"sentiment":"neutral","sentiment_score":-0.013555001700296998},{"text":"Okay.","start":245.76999,"end":246.26999,"sentiment":"neutral","sentiment_score":0.016090622171759605}],"sentiment":"neutral","sentiment_score":-0.05403381339071885,"num_words":23,"start":231.865,"end":246.26999},{"sentences":[{"text":"Alright.","start":246.32999,"end":246.82999,"sentiment":"neutral","sentiment_score":0.04108726233243942},{"text":"She may not have just updated my sheet for me.","start":247.84999,"end":250.81,"sentiment":"neutral","sentiment_score":-0.083313999325037},{"text":"That's okay.","start":250.81,"end":251.53,"sentiment":"neutral","sentiment_score":0.09283973276615143},{"text":"I can get it from Maddie post the meeting, so that's fine.","start":251.53,"end":256.03,"sentiment":"neutral","sentiment_score":0.1434116531163454},{"text":"So what I'm gonna do is I'm gonna explain different type of superannuation funds.","start":257.915,"end":262.255,"sentiment":"neutral","sentiment_score":0.13431439229420253}],"sentiment":"neutral","sentiment_score":0.07679405292639366,"num_words":39,"start":246.32999,"end":262.255},{"sentences":[{"text":"This may give you it's it's I'm gonna keep it really simple because I I feel like too much information overwhelms.","start":264.075,"end":272.53998,"sentiment":"neutral","sentiment_score":-0.13666631068502152},{"text":"So the type of funds that you're currently invested in are called industry funds.","start":273.32,"end":279.18,"sentiment":"neutral","sentiment_score":0.027439144972179617},{"text":"They typically can be cheaper on fees.","start":280.91998,"end":283.82,"sentiment":"neutral","sentiment_score":0.19055230915546417},{"text":"Your funds are invested in a pooled asset, so you don't own any of the actual investments.","start":284.375,"end":291.51498,"sentiment":"neutral","sentiment_score":0.06467499693526942},{"text":"You just own a portion of that fund.","start":292.615,"end":295.815,"sentiment":"neutral","sentiment_score":0.10450977645814419}],"sentiment":"neutral","sentiment_score":0.011695146699672315,"num_words":67,"start":264.075,"end":295.815},{"sentences":[{"text":"You're a member of that that fund.","start":295.815,"end":299.52002,"sentiment":"neutral","sentiment_score":0.14003049262932368},{"text":"So if there's 10,000,000 invested in the balanced option, for example, you're a member of that, and you're allocated a portion of it because it's all pooled funds.","start":299.52002,"end":308.82,"sentiment":"neutral","sentiment_score":0.1497113358761583},{"text":"The type of assets that investment industry funds invest in are very similar to what we invest in with the one variation being that they do typically have a allocation both of these funds to what we call unlisted assets, which means, put it simply, if you look at the share market, that's considered listed.","start":311.525,"end":339.595,"sentiment":"neutral","sentiment_score":0.08512442288073627},{"text":"So you can look it up daily and get a daily price.","start":339.655,"end":342.23502,"sentiment":"neutral","sentiment_score":0.14462034683674574},{"text":"An unlisted asset is not listed, and it might be, for example, a Australian Retirement Trust owns Helensvale Shopping Center, and that's valued annually, for example.","start":342.855,"end":360.78,"sentiment":"neutral","sentiment_score":-0.053473427354429774}],"sentiment":"neutral","sentiment_score":0.0796805403297185,"num_words":128,"start":295.815,"end":360.78},{"sentences":[{"text":"So your the values are not transparent, and they're periodic.","start":361.08,"end":365.41998,"sentiment":"neutral","sentiment_score":-0.25253566950559614},{"text":"So the reason why I personally steer clear of unlisted assets is for liquidity purposes and valuation transparency.","start":366.04498,"end":379.745,"sentiment":"neutral","sentiment_score":-0.1534530164466964},{"text":"Given that you've got quite a fair bit of time to retirement and retirement being I say retirement being 60 to access your super on today's legislation, twenty years, But having exposure to those assets is not necessarily a bad thing, given your time frame.","start":382.35,"end":401.755,"sentiment":"neutral","sentiment_score":-0.0075040938953558605},{"text":"The other type of investment, oh, platform or option for superannuation is a retail slash wholesale fund.","start":402.375,"end":411.53,"sentiment":"neutral","sentiment_score":0.09582124738132253},{"text":"And they're with the likes of some of the bigger names you might have seen is, like, MLC or what's another common one that's always out there?","start":412.71002,"end":423.045,"sentiment":"neutral","sentiment_score":0.09816132637637633}],"sentiment":"neutral","sentiment_score":-0.011503232467887748,"num_words":117,"start":361.08,"end":423.045},{"sentences":[{"text":"AMP or those types of companies.","start":423.045,"end":426.665,"sentiment":"neutral","sentiment_score":0.024588465069731075},{"text":"The companies that we look at, we have an open APL, which means that we can look at anyone and everyone as long as it suits our clients' best interests.","start":427.20502,"end":437.16,"sentiment":"neutral","sentiment_score":0.27568186620871227},{"text":"And, you know, we would compare your current funds against any other one we considered.","start":439.94,"end":446.36002,"sentiment":"neutral","sentiment_score":0.17876332253217697},{"text":"I note that you don't wanna keep either one of those.","start":447.455,"end":450.115,"sentiment":"neutral","sentiment_score":-0.1311613910577514},{"text":"Are you open to any other type of industry fund, or do you want something with a bit more control where you can see what you're invested in.","start":450.495,"end":460.85,"sentiment":"neutral","sentiment_score":0.03223528114280531}],"sentiment":"neutral","sentiment_score":0.11732499094472991,"num_words":90,"start":423.045,"end":460.85},{"sentences":[{"text":"Yeah.","start":466.27,"end":466.77,"sentiment":"neutral","sentiment_score":-0.025343898683786392},{"text":"Okay.","start":468.75,"end":469.25,"sentiment":"neutral","sentiment_score":0.05828353017568588},{"text":"Yep.","start":474.11,"end":474.59,"sentiment":"neutral","sentiment_score":0.09909790009260178},{"text":"Okay.","start":474.59,"end":475.09,"sentiment":"neutral","sentiment_score":0.06549212336540222},{"text":"Alright.","start":475.485,"end":475.985,"sentiment":"neutral","sentiment_score":0.04832993075251579}],"sentiment":"neutral","sentiment_score":0.049171917140483856,"num_words":5,"start":466.27,"end":475.985},{"sentences":[{"text":"Is fees a significant issue for you in superannuation?","start":476.60498,"end":480.54498,"sentiment":"neutral","sentiment_score":-0.06566685210499498},{"text":"So fees, I mean, like, industry funds typically would cost a little bit less in investment fees, whereas a retail slash wholesale fund might be a little bit more, but you've got access to a large a significantly larger range of investment options that we can that can diversify your portfolio more.","start":485.805,"end":508.885,"sentiment":"neutral","sentiment_score":0.1674119019164489},{"text":"So, basically, if you think of that old saying, don't put all your eggs in one basket.","start":508.885,"end":515.065,"sentiment":"neutral","sentiment_score":-0.04832085200092372},{"text":"Not that an industry fund does.","start":516.33,"end":518.08997,"sentiment":"neutral","sentiment_score":-0.07637771653632323},{"text":"They do diversify, but you have greater diversification in a fund that provides you with a large range of investment options.","start":518.08997,"end":526.58997,"sentiment":"positive","sentiment_score":0.4569293061892192}],"sentiment":"neutral","sentiment_score":0.15647820835666998,"num_words":105,"start":476.60498,"end":526.58997},{"sentences":[{"text":"That's alright.","start":533.26495,"end":534.08496,"sentiment":"neutral","sentiment_score":-0.05949655454605818},{"text":"We'll we'll circle back to that in a moment.","start":534.225,"end":536.225,"sentiment":"neutral","sentiment_score":0.01782782996694247},{"text":"That's absolutely fine.","start":536.225,"end":537.76495,"sentiment":"positive","sentiment_score":0.416007399559021},{"text":"With you mentioned with your current job, your income is less than your expenses by how far?","start":539.90497,"end":551.81995,"sentiment":"neutral","sentiment_score":-0.09456650912761688},{"text":"Mhmm.","start":571.095,"end":571.32,"sentiment":"neutral","sentiment_score":0.02176402509212494}],"sentiment":"neutral","sentiment_score":-0.009262095962185413,"num_words":32,"start":533.26495,"end":571.32},{"sentences":[{"text":"Yes.","start":581.56,"end":582.06,"sentiment":"neutral","sentiment_score":0.03661204129457474},{"text":"Mhmm.","start":591.815,"end":592.315,"sentiment":"neutral","sentiment_score":-0.01525497529655695},{"text":"Okay.","start":615.67505,"end":615.835,"sentiment":"neutral","sentiment_score":0.03575092554092407},{"text":"I understand.","start":615.835,"end":616.575,"sentiment":"neutral","sentiment_score":0.055860454216599464},{"text":"No.","start":644.505,"end":644.665,"sentiment":"neutral","sentiment_score":-0.21824900805950165}],"sentiment":"neutral","sentiment_score":-0.00823668468122681,"num_words":6,"start":581.56,"end":644.665},{"sentences":[{"text":"I can't platelet.","start":644.665,"end":645.805,"sentiment":"neutral","sentiment_score":-0.24274716277917227},{"text":"Mhmm.","start":674.995,"end":675.24,"sentiment":"neutral","sentiment_score":-0.12831899523735046},{"text":"Understand.","start":685.88,"end":686.38,"sentiment":"neutral","sentiment_score":-0.0547432079911232},{"text":"Yep.","start":686.92,"end":687.39996,"sentiment":"neutral","sentiment_score":0.006955109070986509},{"text":"Okay.","start":687.39996,"end":687.89996,"sentiment":"neutral","sentiment_score":0.0118532320484519}],"sentiment":"neutral","sentiment_score":-0.12749933577807887,"num_words":7,"start":644.665,"end":687.89996},{"sentences":[{"text":"So are you looking for other jobs at the moment?","start":687.95996,"end":705.185,"sentiment":"neutral","sentiment_score":-0.023649095091968775},{"text":"Okay.","start":705.185,"end":705.54,"sentiment":"neutral","sentiment_score":0.03356066718697548},{"text":"Alright.","start":705.86,"end":706.36,"sentiment":"neutral","sentiment_score":0.07069417834281921},{"text":"What I'm gonna do following this meeting is you mentioned you're gonna have a look at your cash flow and stuff over the next couple of days.","start":707.77997,"end":713.77997,"sentiment":"neutral","sentiment_score":0.11154241915102359},{"text":"I'm gonna send you through a tool.","start":713.77997,"end":715.22,"sentiment":"neutral","sentiment_score":0.1574427762201854}],"sentiment":"neutral","sentiment_score":0.08655453576584873,"num_words":46,"start":687.95996,"end":715.22},{"sentences":[{"text":"It's a spreadsheet that will just help you fill it in.","start":715.22,"end":718.98505,"sentiment":"neutral","sentiment_score":0.19601302526213907},{"text":"It's very transparent, simple, very simple.","start":718.98505,"end":722.445,"sentiment":"positive","sentiment_score":0.5641262332598368},{"text":"And that will also help us with the investment of funds, understanding how much additional income you need.","start":723.705,"end":730.60504,"sentiment":"neutral","sentiment_score":0.2816902788148986},{"text":"So that will tie in with the investment side of things and funding that.","start":732.91003,"end":740.11005,"sentiment":"neutral","sentiment_score":0.09869483964783805},{"text":"Do you get any child support?","start":740.11005,"end":741.73004,"sentiment":"neutral","sentiment_score":0.015676534579445917}],"sentiment":"neutral","sentiment_score":0.21976568470285698,"num_words":55,"start":715.22,"end":741.73004},{"sentences":[{"text":"Okay.","start":747.40497,"end":747.90497,"sentiment":"neutral","sentiment_score":0.03739254176616669},{"text":"Alright.","start":748.045,"end":748.545,"sentiment":"neutral","sentiment_score":0.05258794128894806},{"text":"Yep.","start":751.40497,"end":751.805,"sentiment":"neutral","sentiment_score":0.07243707031011581},{"text":"Alright.","start":751.805,"end":752.125,"sentiment":"neutral","sentiment_score":0.19080202281475067},{"text":"Beautiful.","start":752.125,"end":752.625,"sentiment":"positive","sentiment_score":0.4426038265228271}],"sentiment":"neutral","sentiment_score":0.15916468054056168,"num_words":5,"start":747.40497,"end":752.625},{"sentences":[{"text":"Okay.","start":753.725,"end":754.225,"sentiment":"neutral","sentiment_score":0.07767058163881302},{"text":"Alright.","start":759.62,"end":760.12,"sentiment":"neutral","sentiment_score":0.007984942756593227},{"text":"I yeah.","start":760.42,"end":766.74,"sentiment":"neutral","sentiment_score":-0.17153416574001312},{"text":"Okay.","start":766.74,"end":767.24,"sentiment":"neutral","sentiment_score":-0.025864697992801663},{"text":"Alright.","start":767.38,"end":767.88,"sentiment":"neutral","sentiment_score":-0.0030214539729058743}],"sentiment":"neutral","sentiment_score":-0.04771649317505459,"num_words":6,"start":753.725,"end":767.88},{"sentences":[{"text":"Alright.","start":770.66,"end":771.16,"sentiment":"neutral","sentiment_score":0.01509889867156744},{"text":"Alright.","start":773.38495,"end":773.88495,"sentiment":"neutral","sentiment_score":0.02073591016232967},{"text":"And what's your part is it David Eastman is your partner?","start":774.105,"end":777.64496,"sentiment":"neutral","sentiment_score":0.012289570983160625},{"text":"Yep.","start":778.02496,"end":778.52496,"sentiment":"neutral","sentiment_score":0.012979362159967422},{"text":"Now I have here your mom as your next of kin.","start":779.70496,"end":782.82495,"sentiment":"neutral","sentiment_score":0.04070208492604169}],"sentiment":"neutral","sentiment_score":0.0252688954398036,"num_words":25,"start":770.66,"end":782.82495},{"sentences":[{"text":"That's still correct?","start":782.82495,"end":783.88495,"sentiment":"neutral","sentiment_score":0.037745206306378044},{"text":"Fantastic.","start":786.345,"end":786.845,"sentiment":"positive","sentiment_score":0.5400425791740417},{"text":"And you have three beautiful children, 15, 12, and eight?","start":787.52,"end":790.82,"sentiment":"neutral","sentiment_score":0.29479640126228335},{"text":"Oh, sorry?","start":792.8,"end":795.7,"sentiment":"neutral","sentiment_score":0.041988613083958626},{"text":"Oh, wow.","start":799.12,"end":799.60004,"sentiment":"neutral","sentiment_score":0.04228295385837555}],"sentiment":"neutral","sentiment_score":0.20943251914448208,"num_words":18,"start":782.82495,"end":799.60004},{"sentences":[{"text":"So you're all living together on a yeah.","start":799.60004,"end":805.035,"sentiment":"neutral","sentiment_score":-0.009074539644643664},{"text":"I understand.","start":806.215,"end":806.955,"sentiment":"neutral","sentiment_score":-0.014467882923781872},{"text":"Yep.","start":807.255,"end":807.755,"sentiment":"neutral","sentiment_score":-0.003177030710503459},{"text":"Oh, wow.","start":809.575,"end":810.475,"sentiment":"neutral","sentiment_score":-0.01025705598294735},{"text":"Busy, busy house.","start":810.855,"end":812.04,"sentiment":"neutral","sentiment_score":-0.06062396367390951}],"sentiment":"neutral","sentiment_score":-0.019193444793927483,"num_words":16,"start":799.60004,"end":812.04},{"sentences":[{"text":"Yep.","start":823.07996,"end":823.57996,"sentiment":"neutral","sentiment_score":0.03118256479501724},{"text":"Yep.","start":824.36,"end":824.86,"sentiment":"neutral","sentiment_score":0.03938158228993416},{"text":"Fair enough.","start":825.8,"end":826.6,"sentiment":"neutral","sentiment_score":0.06114892661571503},{"text":"Fair enough.","start":826.6,"end":827.33997,"sentiment":"neutral","sentiment_score":0.05521070957183838},{"text":"Alright.","start":827.795,"end":828.19495,"sentiment":"neutral","sentiment_score":0.050851523876190186}],"sentiment":"neutral","sentiment_score":0.05059070619089263,"num_words":7,"start":823.07996,"end":828.19495},{"sentences":[{"text":"So I've got all the details down here as your current role as an insurance clerk.","start":828.19495,"end":833.33496,"sentiment":"neutral","sentiment_score":0.028573884163051844},{"text":"It when you completed this with Maddie, it it seems like you were doing twenty five to thirty hours per week, but that sounds like it's reduced a fair bit just recently.","start":837.235,"end":848.66,"sentiment":"neutral","sentiment_score":-0.05782626091968268},{"text":"Yep.","start":848.88,"end":849.38,"sentiment":"neutral","sentiment_score":0.003601198550313711},{"text":"I'm going to do I might update those.","start":851.92,"end":855.215,"sentiment":"neutral","sentiment_score":0.03956549265421927},{"text":"How many hours per week do you think you do now?","start":855.215,"end":857.635,"sentiment":"neutral","sentiment_score":0.016921388578008522}],"sentiment":"neutral","sentiment_score":-0.013044085127630216,"num_words":68,"start":828.19495,"end":857.635},{"sentences":[{"text":"Okay.","start":864.735,"end":865.235,"sentiment":"neutral","sentiment_score":0.01655920036137104},{"text":"Okay.","start":878.945,"end":879.185,"sentiment":"neutral","sentiment_score":0.031192954629659653},{"text":"Should we leave it at twenty five to thirty or and just see how it goes?","start":879.185,"end":883.685,"sentiment":"neutral","sentiment_score":0.029709937400184572},{"text":"Or okay.","start":883.905,"end":889.585,"sentiment":"neutral","sentiment_score":0.033750008791685104},{"text":"Alright.","start":889.585,"end":889.905,"sentiment":"neutral","sentiment_score":0.10141806304454803}],"sentiment":"neutral","sentiment_score":0.032953773048662004,"num_words":21,"start":864.735,"end":889.905},{"sentences":[{"text":"I'll just leave it as is for now.","start":889.905,"end":891.83,"sentiment":"neutral","sentiment_score":0.11573716811835766},{"text":"And your income I have down is $43,810 as a gross.","start":892.61005,"end":899.43005,"sentiment":"neutral","sentiment_score":0.05045903101563454},{"text":"So Yep.","start":901.25,"end":913.065,"sentiment":"neutral","sentiment_score":-0.014471501111984253},{"text":"Okay.","start":915.125,"end":915.625,"sentiment":"neutral","sentiment_score":0.026152007281780243},{"text":"And I've got here your expenditure is your whole wage minus about 100 to $150 a week.","start":916.165,"end":922.74,"sentiment":"neutral","sentiment_score":-0.006387809401049334}],"sentiment":"neutral","sentiment_score":0.035116998239969596,"num_words":39,"start":889.905,"end":922.74},{"sentences":[{"text":"Yep.","start":926.07996,"end":926.48,"sentiment":"neutral","sentiment_score":0.03723907470703125},{"text":"Okay.","start":926.48,"end":926.98,"sentiment":"neutral","sentiment_score":0.03158783167600632},{"text":"K.","start":929.36,"end":929.68,"sentiment":"neutral","sentiment_score":0.01823228970170021},{"text":"And I've got a Kia Carnival at $18,000 and cash at a $195,000.","start":929.68,"end":936.925,"sentiment":"neutral","sentiment_score":0.04216935242024752},{"text":"Okay.","start":938.745,"end":939.22504,"sentiment":"neutral","sentiment_score":0.067562036216259}],"sentiment":"neutral","sentiment_score":0.0413425184567185,"num_words":17,"start":926.07996,"end":939.22504},{"sentences":[{"text":"And that's the cash you're looking at investing.","start":939.22504,"end":941.485,"sentiment":"neutral","sentiment_score":0.0733192483894527},{"text":"At with that amount, how much are you looking at investing of that?","start":943.78503,"end":949.81006,"sentiment":"neutral","sentiment_score":0.06729777415211384},{"text":"Yep.","start":954.43005,"end":954.93005,"sentiment":"neutral","sentiment_score":0.14746922254562378},{"text":"It's good to keep a buffer for emergencies always.","start":955.79004,"end":959.41003,"sentiment":"neutral","sentiment_score":0.27615175147851306},{"text":"Okay.","start":960.19,"end":960.51,"sentiment":"neutral","sentiment_score":0.1980043649673462}],"sentiment":"neutral","sentiment_score":0.13413326255977154,"num_words":32,"start":939.22504,"end":960.51},{"sentences":[{"text":"So I've made a note of that.","start":960.51,"end":961.55005,"sentiment":"neutral","sentiment_score":0.24383136204310826},{"text":"That's absolutely fine.","start":961.55005,"end":962.93005,"sentiment":"positive","sentiment_score":0.37175270915031433},{"text":"And insurance wise, you've got some insurance some life and paper day insurance in Australian Super that I can see.","start":965.86505,"end":977.385,"sentiment":"neutral","sentiment_score":0.03776313876733184},{"text":"I'll get the details off Maddie.","start":977.385,"end":979.55,"sentiment":"neutral","sentiment_score":0.05681776814162731},{"text":"Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment?","start":980.25,"end":986.99,"sentiment":"neutral","sentiment_score":-0.03334508617134655}],"sentiment":"neutral","sentiment_score":0.06323359586860773,"num_words":53,"start":960.51,"end":986.99},{"sentences":[{"text":"TPD is total and permanent disablement.","start":989.69,"end":992.27,"sentiment":"neutral","sentiment_score":-0.2818896596630414},{"text":"So the simplest way to explain that, and it sounds horrible, but, basically, if you are bedridden and unable to work ever again, it's a lump sum payment that is paid to you to help with ongoing medical expenses and care that may be required.","start":992.57,"end":1015.16003,"sentiment":"neutral","sentiment_score":-0.141641519135899},{"text":"Yep.","start":1015.86,"end":1016.36,"sentiment":"neutral","sentiment_score":0.011554813012480736},{"text":"Yep.","start":1018.74,"end":1019.24,"sentiment":"neutral","sentiment_score":0.025287341326475143},{"text":"Yeah.","start":1021.3,"end":1021.54,"sentiment":"neutral","sentiment_score":0.30109256505966187}],"sentiment":"neutral","sentiment_score":-0.14309762221657568,"num_words":54,"start":989.69,"end":1021.54},{"sentences":[{"text":"I can I can definitely do that?","start":1021.54,"end":1023.62,"sentiment":"positive","sentiment_score":0.5029628787721906},{"text":"I'm gonna ask you a couple of probing questions on that, so I do apologize in advance.","start":1023.62,"end":1028.145,"sentiment":"neutral","sentiment_score":0.01432140324922169},{"text":"So in the event of your death or any of these events happening, let's refer to them as yesterday because we know that they did not happen.","start":1030.6849,"end":1039.825,"sentiment":"neutral","sentiment_score":-0.09221611378921403},{"text":"You don't presently have any debts, so we don't need to look at repaying debt at the moment.","start":1042.12,"end":1047.9,"sentiment":"neutral","sentiment_score":-0.20194167105687988},{"text":"But are there any plans in the future to purchase a home, do you believe?","start":1048.2001,"end":1055.055,"sentiment":"neutral","sentiment_score":-0.04188365638256073}],"sentiment":"neutral","sentiment_score":-0.03558138083843958,"num_words":84,"start":1021.54,"end":1055.055},{"sentences":[{"text":"Yep.","start":1058.8151,"end":1059.3151,"sentiment":"neutral","sentiment_score":-0.1697615385055542},{"text":"Okay.","start":1062.255,"end":1062.755,"sentiment":"neutral","sentiment_score":-0.05649525672197342},{"text":"Do you think it would be five years plus away?","start":1063.055,"end":1067.0751,"sentiment":"neutral","sentiment_score":-0.17294640019536017},{"text":"Or within?","start":1071.0,"end":1071.9,"sentiment":"neutral","sentiment_score":-0.08774840831756592},{"text":"Because the reason why I asked that question is if we go through underwriting today and you're completely healthy and you go you go through as no loadings or exclusions, what we would look at doing is potentially including an amount for future debt to be paid out.","start":1072.6,"end":1092.255,"sentiment":"neutral","sentiment_score":0.005211733436832826}],"sentiment":"neutral","sentiment_score":-0.03033958723948848,"num_words":62,"start":1058.8151,"end":1092.255},{"sentences":[{"text":"And if you and Dave purchased a property together, that's my assumption I'm making, so please correct me if I'm wrong.","start":1094.395,"end":1103.27,"sentiment":"neutral","sentiment_score":-0.15218006251823335},{"text":"Okay.","start":1103.97,"end":1104.47,"sentiment":"neutral","sentiment_score":0.002094566822052002},{"text":"We could look at including an amount for your half of that for your children, so or for days, depending on how you wanna structure your estate planning to have that debt repaid.","start":1107.01,"end":1118.4349,"sentiment":"neutral","sentiment_score":0.06713795057977691},{"text":"Because it so if I know this is a really difficult question to foresee or plan for, but if you were to purchase a house, how much do you think you're gonna be looking at spending?","start":1120.335,"end":1132.3,"sentiment":"neutral","sentiment_score":-0.039237488682071366},{"text":"Yep.","start":1147.975,"end":1148.475,"sentiment":"neutral","sentiment_score":0.056659918278455734}],"sentiment":"neutral","sentiment_score":-0.02536982664352526,"num_words":92,"start":1094.395,"end":1148.475},{"sentences":[{"text":"And would you being a blended family, the estate planning comes into play with that, and it's very, very common.","start":1149.21,"end":1162.6699,"sentiment":"neutral","sentiment_score":0.0010518914670683446},{"text":"Would you have your half paid out ideally and the ownership transferred to your children, or would it go to Dave?","start":1162.89,"end":1172.0651,"sentiment":"neutral","sentiment_score":-0.010377009887070883},{"text":"What are your thoughts there?","start":1172.765,"end":1174.385,"sentiment":"neutral","sentiment_score":-0.04696084856987},{"text":"Food for thought.","start":1183.35,"end":1184.49,"sentiment":"neutral","sentiment_score":-0.15780279288689295},{"text":"What I might mhmm.","start":1186.9501,"end":1191.585,"sentiment":"neutral","sentiment_score":-0.1262369379401207}],"sentiment":"neutral","sentiment_score":-0.026604523614294967,"num_words":53,"start":1149.21,"end":1191.585},{"sentences":[{"text":"Mhmm.","start":1198.065,"end":1198.565,"sentiment":"neutral","sentiment_score":-0.2690054774284363},{"text":"Yeah.","start":1211.88,"end":1212.38,"sentiment":"neutral","sentiment_score":0.02459520660340786},{"text":"So, basically, once you get to that stage, you need to see a lawyer to make sure that everything is established correct and how you want it.","start":1212.76,"end":1224.755,"sentiment":"neutral","sentiment_score":0.045757181390568065},{"text":"So it might it might even be that the house goes today, that you have an insurance policy that is paid to your children.","start":1224.755,"end":1233.3351,"sentiment":"neutral","sentiment_score":0.09068593196570873},{"text":"So those things are something that you and Dave would need to sit down and discuss and agree upon and then make sure your wills your estate planning reflected that.","start":1234.755,"end":1244.47,"sentiment":"neutral","sentiment_score":0.07891350264350573}],"sentiment":"neutral","sentiment_score":0.06668555509882519,"num_words":83,"start":1198.065,"end":1244.47},{"sentences":[{"text":"But I think even though you don't have a house at the moment or or sorry.","start":1245.8899,"end":1250.865,"sentiment":"negative","sentiment_score":-0.3352034818381071},{"text":"Debt at the moment, life insurance is a good option to provide funds for your children as a nest egg and to cover them as they continue to get older.","start":1250.865,"end":1265.77,"sentiment":"neutral","sentiment_score":0.04495363757014274},{"text":"There are ways to protect that against access from people you may not want to have access to it.","start":1266.71,"end":1273.13,"sentiment":"neutral","sentiment_score":-0.16708689143783167},{"text":"And, again, that's done through a will to protect them.","start":1273.83,"end":1278.025,"sentiment":"neutral","sentiment_score":0.23022160828113555},{"text":"So having a will is something that we will discuss and will form part of the advice.","start":1278.025,"end":1284.605,"sentiment":"neutral","sentiment_score":0.24273945128216462}],"sentiment":"neutral","sentiment_score":-0.008266421358870424,"num_words":92,"start":1245.8899,"end":1284.605},{"sentences":[{"text":"If I was to look at your children's ages, their education is funded by their father.","start":1286.745,"end":1294.4401,"sentiment":"neutral","sentiment_score":0.08049719291739166},{"text":"If is would you want a lump sum available per child if something happened in a few years that was a nest egg for them to fall back on, or would you like it calculated more as an income that they can draw on over a number of years.","start":1295.9401,"end":1324.93,"sentiment":"neutral","sentiment_score":0.1004266714563175},{"text":"Yeah.","start":1324.93,"end":1325.43,"sentiment":"neutral","sentiment_score":0.07873627543449402},{"text":"Yep.","start":1328.13,"end":1328.445,"sentiment":"neutral","sentiment_score":0.048596739768981934},{"text":"Yep.","start":1330.6849,"end":1331.1849,"sentiment":"neutral","sentiment_score":0.015504918061196804}],"sentiment":"neutral","sentiment_score":0.09340735178386025,"num_words":68,"start":1286.745,"end":1331.1849},{"sentences":[{"text":"Mhmm.","start":1336.445,"end":1336.945,"sentiment":"neutral","sentiment_score":-0.008669400587677956},{"text":"Yep.","start":1337.085,"end":1337.585,"sentiment":"neutral","sentiment_score":-0.03380823880434036},{"text":"100%.","start":1338.9249,"end":1339.725,"sentiment":"neutral","sentiment_score":0.05938657745718956},{"text":"And that's dealt with through your will.","start":1339.725,"end":1341.565,"sentiment":"neutral","sentiment_score":0.06385475609983716},{"text":"So say, for example, you wanted $200,000 per child.","start":1341.565,"end":1345.91,"sentiment":"neutral","sentiment_score":0.041111781572302185}],"sentiment":"neutral","sentiment_score":0.04388938236393427,"num_words":19,"start":1336.445,"end":1345.91},{"sentences":[{"text":"Your life insurance policy would be directed to be paid to your estate, and then your estate would handle those funds per the child, which would then be if if access isn't until age 25, what happens is a testamentary trust is formed upon your disk, and the funds are held in trust as per your wishes in your estate, in your will.","start":1347.41,"end":1376.89,"sentiment":"neutral","sentiment_score":0.012268258051739799},{"text":"Yeah.","start":1380.0701,"end":1380.5701,"sentiment":"neutral","sentiment_score":0.04752068594098091},{"text":"Yeah.","start":1380.87,"end":1381.1901,"sentiment":"neutral","sentiment_score":0.06275629997253418},{"text":"Whatever's in your will is what would be followed.","start":1381.1901,"end":1384.095,"sentiment":"neutral","sentiment_score":0.06265678091181649},{"text":"From me from my perspective, I'm trying to see if we look at in having some insurance now in place that we can fund through your superannuation if cash flow is tight so that your children are protected and do have something to fall back on if, say, for example, you know, something happens to your ex husband as well and another somebody else ends up caring for them, there's funds there to replace to to to supplement the living expenses of your children while they're in being cared before by potentially another relative or something like that.","start":1393.135,"end":1437.41,"sentiment":"neutral","sentiment_score":0.005760711522734895}],"sentiment":"neutral","sentiment_score":0.011695569770973782,"num_words":172,"start":1347.41,"end":1437.41},{"sentences":[{"text":"So it's kind of like covering your bases, preplanning for the the dreaded, but knowing that there's something in place should anything ever happen.","start":1437.41,"end":1447.6951,"sentiment":"neutral","sentiment_score":-0.051178925088606775},{"text":"Yeah.","start":1458.17,"end":1458.67,"sentiment":"neutral","sentiment_score":-0.03937385231256485},{"text":"So yeah.","start":1458.7301,"end":1459.7101,"sentiment":"neutral","sentiment_score":-0.05753269977867603},{"text":"Yeah.","start":1460.81,"end":1461.2101,"sentiment":"neutral","sentiment_score":0.020604485645890236},{"text":"So that can all be covered with a a solicitor when you do establish a will.","start":1461.2101,"end":1465.9501,"sentiment":"neutral","sentiment_score":0.0697220554575324}],"sentiment":"neutral","sentiment_score":-0.005604001841592518,"num_words":44,"start":1437.41,"end":1465.9501},{"sentences":[{"text":"So if something was to happen to you yesterday, if it was to her, how much do would you like per child to each child to receive If out of a life insurance policy.","start":1466.125,"end":1483.12,"sentiment":"neutral","sentiment_score":-0.005882372531820745},{"text":"Just a you can give me a dollar figure if you like, if that makes it nice and easy.","start":1490.54,"end":1496.165,"sentiment":"neutral","sentiment_score":-0.03309626014609086},{"text":"Alright.","start":1499.025,"end":1499.425,"sentiment":"neutral","sentiment_score":0.022041913121938705},{"text":"Let me do some fig yeah?","start":1499.425,"end":1501.8451,"sentiment":"neutral","sentiment_score":-0.001908297495295604},{"text":"There's no there's no usual or standard or anything like that.","start":1506.305,"end":1511.025,"sentiment":"neutral","sentiment_score":-0.15209892798553815}],"sentiment":"neutral","sentiment_score":-0.03508909420490685,"num_words":71,"start":1466.125,"end":1511.025},{"sentences":[{"text":"It's it's more about what you want them to have.","start":1511.025,"end":1515.16,"sentiment":"neutral","sentiment_score":0.09230419248342514},{"text":"There's no wrong or right answer.","start":1515.16,"end":1516.9401,"sentiment":"neutral","sentiment_score":0.31918562451998395},{"text":"It could be that you're setting them up as a little nest egg to purchase a house in the future, or it might pay for university, or it it's what you it's kind of like a if you think of it as a legacy, what you wanna leave your children, if something was to happen to you while you're still continuing to build your wealth.","start":1518.52,"end":1542.03,"sentiment":"positive","sentiment_score":0.38212079245310565},{"text":"Yeah.","start":1557.625,"end":1557.9451,"sentiment":"neutral","sentiment_score":0.04363507777452469},{"text":"What my recommendations are, basically.","start":1557.9451,"end":1560.125,"sentiment":"neutral","sentiment_score":0.015298837050795554}],"sentiment":"neutral","sentiment_score":0.3194958212003968,"num_words":87,"start":1511.025,"end":1560.125},{"sentences":[{"text":"That's why I'm asking questions.","start":1560.745,"end":1572.79,"sentiment":"neutral","sentiment_score":-0.08745437785983086},{"text":"Yeah.","start":1572.79,"end":1573.29,"sentiment":"neutral","sentiment_score":-0.12183748185634612},{"text":"And that's Yeah.","start":1574.55,"end":1583.025,"sentiment":"neutral","sentiment_score":-0.12548097471396127},{"text":"So what happens is is we index it.","start":1583.025,"end":1585.585,"sentiment":"neutral","sentiment_score":0.06966042006388307},{"text":"It's indexed each year.","start":1585.585,"end":1587.205,"sentiment":"neutral","sentiment_score":0.09804057888686657}],"sentiment":"neutral","sentiment_score":0.0006615895600545974,"num_words":21,"start":1560.745,"end":1587.205},{"sentences":[{"text":"So life insurance policy are indexed by the insurance companies with CPI to keep up with the cost of living, which is one of the protection mechanisms that are in place.","start":1587.4249,"end":1602.26,"sentiment":"neutral","sentiment_score":0.1409925973463443},{"text":"And let's say, in five years' time, for example, you have your house.","start":1602.745,"end":1609.065,"sentiment":"neutral","sentiment_score":0.13181020147525346},{"text":"You've got everything sorted out the way you want.","start":1609.065,"end":1611.645,"sentiment":"neutral","sentiment_score":0.28564103775554234},{"text":"The children don't need those funds because they may inherit the house or vice versa.","start":1613.385,"end":1618.4,"sentiment":"neutral","sentiment_score":0.041505226492881776},{"text":"Whatever the plans are, we review your insurances every year as well along with your superannuation balance and whatever other advice investment portfolio we we manage on your behalf.","start":1619.02,"end":1630.515,"sentiment":"neutral","sentiment_score":0.20519497014325241}],"sentiment":"neutral","sentiment_score":0.15699283513672574,"num_words":97,"start":1587.4249,"end":1630.515},{"sentences":[{"text":"So we are absolutely able to increase and decrease covers as we see fit and as per the recommendations from our discussions with you.","start":1630.815,"end":1644.32,"sentiment":"positive","sentiment_score":0.41309866681694984},{"text":"So I'm happy to probably go away and probably just play with some figure if you like based on their ages and have a little bit of a play on a recommendation of insurance.","start":1644.62,"end":1660.9551,"sentiment":"neutral","sentiment_score":0.20437740271582322},{"text":"Are you happy for me to do that?","start":1662.775,"end":1664.635,"sentiment":"neutral","sentiment_score":0.2303757406771183},{"text":"Yeah.","start":1666.2151,"end":1666.7151,"sentiment":"neutral","sentiment_score":0.1764269769191742},{"text":"Yep.","start":1667.415,"end":1667.915,"sentiment":"neutral","sentiment_score":0.1116020604968071}],"sentiment":"neutral","sentiment_score":0.27932698027614283,"num_words":68,"start":1630.815,"end":1667.915},{"sentences":[{"text":"Absolutely.","start":1674.0,"end":1674.5,"sentiment":"neutral","sentiment_score":0.1528976559638977},{"text":"Absolutely.","start":1676.64,"end":1677.14,"sentiment":"positive","sentiment_score":0.4919024407863617},{"text":"I can do that.","start":1677.68,"end":1678.74,"sentiment":"positive","sentiment_score":0.34175140876322985},{"text":"Then reverting back to the investment options, we wouldn't look at anything like an industry fund for investments typically because they're not available.","start":1680.08,"end":1695.595,"sentiment":"neutral","sentiment_score":-0.08596307379396065},{"text":"But, also, we need liquidity because you're gonna need to use this as a supplement to your income for a period of time.","start":1696.135,"end":1705.71,"sentiment":"neutral","sentiment_score":0.02237437009487463}],"sentiment":"neutral","sentiment_score":0.010562798975465387,"num_words":52,"start":1674.0,"end":1705.71},{"sentences":[{"text":"Do you think it will be long term or just just until you find some alternative work that will Yep.","start":1706.5701,"end":1720.505,"sentiment":"neutral","sentiment_score":-0.06795005463063716},{"text":"Yep.","start":1740.1549,"end":1740.6549,"sentiment":"neutral","sentiment_score":0.11908382177352904},{"text":"Okay.","start":1740.7949,"end":1741.2949,"sentiment":"neutral","sentiment_score":0.11906783282756804},{"text":"So with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena?","start":1743.6749,"end":1755.38,"sentiment":"neutral","sentiment_score":0.10105464141815901},{"text":"Yep.","start":1759.04,"end":1759.36,"sentiment":"neutral","sentiment_score":0.12433159351348876}],"sentiment":"neutral","sentiment_score":0.0303998627561204,"num_words":47,"start":1706.5701,"end":1759.36},{"sentences":[{"text":"Okay.","start":1759.36,"end":1759.86,"sentiment":"neutral","sentiment_score":0.08108208328485489},{"text":"So when we look at investing, what kind of time frame are you and Dave looking at doing this in?","start":1760.32,"end":1768.505,"sentiment":"neutral","sentiment_score":0.03412770042195916},{"text":"Yeah.","start":1772.245,"end":1772.745,"sentiment":"neutral","sentiment_score":0.07278274744749069},{"text":"Okay.","start":1778.4049,"end":1778.7,"sentiment":"neutral","sentiment_score":0.056923139840364456},{"text":"Okay.","start":1779.1799,"end":1779.6799,"sentiment":"neutral","sentiment_score":0.046470873057842255}],"sentiment":"neutral","sentiment_score":0.03915886883623898,"num_words":24,"start":1759.36,"end":1779.6799},{"sentences":[{"text":"That changes things a fair bit in regard in regards to investing the money.","start":1779.82,"end":1785.76,"sentiment":"neutral","sentiment_score":0.0264500230550766},{"text":"When you invest similar to property, it's for long term growth and income generation.","start":1786.38,"end":1795.095,"sentiment":"neutral","sentiment_score":0.038368337521595616},{"text":"When we look at investing money in a portfolio, the same applies, and a minimum time frame is always recommended.","start":1796.275,"end":1805.1749,"sentiment":"neutral","sentiment_score":-0.01496168803423643},{"text":"So for a gross type portfolio, for example, that on average returns between seven to 9% per annum, you'd have a minimum time frame of investment for six years to actually see that and realize that.","start":1807.395,"end":1822.9,"sentiment":"neutral","sentiment_score":-0.014213646969033612},{"text":"If you have alternate plans for those funds to move into the property market within a six to twelve month period, investing those funds is not something that I would recommend because you're going to the the issue is is that you're gonna invest those funds and then withdraw them, and there'll be capital gains tax potentially if there's a gross.","start":1825.015,"end":1851.43,"sentiment":"neutral","sentiment_score":-0.16036907491869615}],"sentiment":"neutral","sentiment_score":-0.06679987292094478,"num_words":145,"start":1779.82,"end":1851.43},{"sentences":[{"text":"It could be you know, you could invest, and there could be a market dip, and you've lost money.","start":1852.765,"end":1858.625,"sentiment":"neutral","sentiment_score":-0.28012021199653026},{"text":"So we don't recommend investing for short term.","start":1860.205,"end":1863.025,"sentiment":"negative","sentiment_score":-0.38851606845855713},{"text":"If it is a six to twelve month, the ideal option would be a high interest cash account, a term deposit where your funds are not at risk of market movement.","start":1863.485,"end":1878.045,"sentiment":"neutral","sentiment_score":-0.11712724643368874},{"text":"Movement.","start":1880.525,"end":1880.8451,"sentiment":"neutral","sentiment_score":-0.008504414930939674},{"text":"Does that make sense?","start":1880.8451,"end":1882.0651,"sentiment":"neutral","sentiment_score":0.05248170252889395}],"sentiment":"neutral","sentiment_score":-0.1882529336486071,"num_words":63,"start":1852.765,"end":1882.0651},{"sentences":[{"text":"Yeah.","start":1883.885,"end":1884.385,"sentiment":"neutral","sentiment_score":-0.01277073472738266},{"text":"Because our our job is to always make sure that you any recommendation or advice that we provide you with is to put you in a better financial position.","start":1884.525,"end":1895.37,"sentiment":"neutral","sentiment_score":0.05378234103835862},{"text":"If that money is parked for another project or wealth creation goal, it would not be in your best interest to invest that money in a portfolio.","start":1896.07,"end":1908.8351,"sentiment":"negative","sentiment_score":-0.40729379157225293},{"text":"Yeah.","start":1912.415,"end":1912.915,"sentiment":"neutral","sentiment_score":0.05654153972864151},{"text":"Super and insurance.","start":1917.6951,"end":1918.8351,"sentiment":"neutral","sentiment_score":-0.01184090164800485}],"sentiment":"neutral","sentiment_score":-0.15457371118493746,"num_words":61,"start":1883.885,"end":1918.8351},{"sentences":[{"text":"Yeah.","start":1919.295,"end":1919.795,"sentiment":"neutral","sentiment_score":-0.024243317544460297},{"text":"Yeah.","start":1919.935,"end":1920.21,"sentiment":"neutral","sentiment_score":-0.034198276698589325},{"text":"Yep.","start":1921.33,"end":1921.83,"sentiment":"neutral","sentiment_score":-0.06348337233066559},{"text":"Now if that goal ever changes regarding property, most certainly, we can look at investing it.","start":1923.33,"end":1931.51,"sentiment":"neutral","sentiment_score":-0.2038894034922123},{"text":"But given that that's a pretty short term goal we would be able to work towards work towards achieving, I think that should be I wouldn't be comfortable providing advice and it putting you in a better off position.","start":1931.97,"end":1950.53,"sentiment":"negative","sentiment_score":-0.4330924806686548}],"sentiment":"negative","sentiment_score":-0.3495648649745974,"num_words":58,"start":1919.295,"end":1950.53},{"sentences":[{"text":"I I feel like it would it would put you in a worse off position.","start":1950.53,"end":1953.51,"sentiment":"negative","sentiment_score":-0.7020603060722351},{"text":"Yeah.","start":1957.01,"end":1957.51,"sentiment":"neutral","sentiment_score":-0.11990673094987868},{"text":"So, yeah, I can definitely help to look at the superannuation side of things, consolidating it, getting it into a fund that is not Australian retirement or rest.","start":1958.37,"end":1971.0549,"sentiment":"neutral","sentiment_score":-0.10433278259422098},{"text":"Dave, what does Dave have?","start":1973.595,"end":1976.48,"sentiment":"neutral","sentiment_score":0.0020073145627975465},{"text":"Have you looked at Dave's, for example?","start":1976.48,"end":1978.26,"sentiment":"neutral","sentiment_score":0.0008659099361726216}],"sentiment":"neutral","sentiment_score":-0.2420719873625785,"num_words":56,"start":1950.53,"end":1978.26},{"sentences":[{"text":"No?","start":1980.96,"end":1981.46,"sentiment":"neutral","sentiment_score":-0.11349989473819733},{"text":"That's okay.","start":1981.52,"end":1982.42,"sentiment":"neutral","sentiment_score":0.013791431672871113},{"text":"I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame.","start":1984.0,"end":1998.235,"sentiment":"neutral","sentiment_score":0.14345004576547393},{"text":"And look at I'll also look and compare against other industry funds.","start":2001.255,"end":2008.44,"sentiment":"neutral","sentiment_score":0.08429364177087943},{"text":"I'm gonna make some recommendations based on a couple more questions I'm gonna ask you in a moment to get an idea of your risk profile of how we do invest your funds.","start":2008.58,"end":2017.96,"sentiment":"neutral","sentiment_score":0.08856717147158855}],"sentiment":"neutral","sentiment_score":0.10400486565739303,"num_words":77,"start":1980.96,"end":2017.96},{"sentences":[{"text":"But then but then, also, I'm gonna look at making recommendations for an insurance protection plan.","start":2018.4551,"end":2025.3351,"sentiment":"neutral","sentiment_score":0.06635386333800852},{"text":"Are you comfortable with that?","start":2025.3351,"end":2026.9551,"sentiment":"neutral","sentiment_score":0.04198378324508667},{"text":"Okay.","start":2028.6951,"end":2029.1951,"sentiment":"neutral","sentiment_score":0.015513494610786438},{"text":"Alright.","start":2030.775,"end":2031.175,"sentiment":"neutral","sentiment_score":-0.0008837394416332245},{"text":"So I apologize.","start":2031.175,"end":2031.9751,"sentiment":"neutral","sentiment_score":-0.06687221055229504}],"sentiment":"neutral","sentiment_score":0.04175360973637838,"num_words":26,"start":2018.4551,"end":2031.9751},{"sentences":[{"text":"These questions are some the first So the first question is, what is your how would you rate your willingness to take financial risk?","start":2031.9751,"end":2055.9648,"sentiment":"neutral","sentiment_score":-0.034786999924108386},{"text":"Would it be very high, high, average, low, or very low?","start":2056.025,"end":2065.6401,"sentiment":"neutral","sentiment_score":-0.06289079548283057},{"text":"Yeah.","start":2065.6401,"end":2066.12,"sentiment":"neutral","sentiment_score":-0.0055229682475328445},{"text":"Okay.","start":2066.12,"end":2066.62,"sentiment":"neutral","sentiment_score":0.005993042141199112},{"text":"And how familiar are you with investment markets?","start":2067.48,"end":2071.1,"sentiment":"neutral","sentiment_score":-0.015126535668969154}],"sentiment":"neutral","sentiment_score":-0.036605087998840546,"num_words":45,"start":2031.9751,"end":2071.1},{"sentences":[{"text":"So are you com not.","start":2071.4001,"end":2073.5,"sentiment":"neutral","sentiment_score":-0.10916488319635391},{"text":"That's okay.","start":2073.6401,"end":2074.36,"sentiment":"neutral","sentiment_score":0.13187116757035255},{"text":"Not familiar.","start":2074.36,"end":2075.1,"sentiment":"neutral","sentiment_score":-0.09079901874065399},{"text":"Easy.","start":2075.24,"end":2075.74,"sentiment":"neutral","sentiment_score":0.00190078467130661},{"text":"How would you describe your experience and understanding of investment markets?","start":2078.375,"end":2083.275,"sentiment":"neutral","sentiment_score":0.013305414468050003}],"sentiment":"neutral","sentiment_score":-0.015019989262024561,"num_words":21,"start":2071.4001,"end":2083.275},{"sentences":[{"text":"Would it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at first?","start":2083.495,"end":2109.105,"sentiment":"neutral","sentiment_score":-0.29252599477767943},{"text":"Yep.","start":2114.525,"end":2115.025,"sentiment":"neutral","sentiment_score":-0.1334054470062256},{"text":"Yep.","start":2115.165,"end":2115.665,"sentiment":"neutral","sentiment_score":-0.09610332548618317},{"text":"The one after it was mixed investment results have heightened your loss avoidance.","start":2117.805,"end":2122.8198,"sentiment":"neutral","sentiment_score":-0.3222612520823112},{"text":"Yep.","start":2129.3599,"end":2129.76,"sentiment":"neutral","sentiment_score":-0.008095143362879753}],"sentiment":"neutral","sentiment_score":-0.2880007140005806,"num_words":56,"start":2083.495,"end":2129.76},{"sentences":[{"text":"Okay.","start":2129.76,"end":2130.26,"sentiment":"neutral","sentiment_score":0.02415630966424942},{"text":"What is the most ingress aggressive investment you have ever made?","start":2131.52,"end":2135.425,"sentiment":"neutral","sentiment_score":0.06367104669863527},{"text":"Direct shares, managed funds, investment property, your own home, or a high interest bank account?","start":2135.565,"end":2142.785,"sentiment":"neutral","sentiment_score":0.012143928805987041},{"text":"Aggressive investment you have ever made?","start":2148.365,"end":2150.49,"sentiment":"neutral","sentiment_score":0.03108939900994301},{"text":"Direct shares, manage funds, investment property, your own home, or a high interest bank account.","start":2152.33,"end":2158.43,"sentiment":"neutral","sentiment_score":0.013092568640907605}],"sentiment":"neutral","sentiment_score":0.0268671183148399,"num_words":48,"start":2129.76,"end":2158.43},{"sentences":[{"text":"Yep.","start":2161.3699,"end":2161.77,"sentiment":"neutral","sentiment_score":0.047853462398052216},{"text":"Okay.","start":2161.77,"end":2162.27,"sentiment":"neutral","sentiment_score":0.028359349817037582},{"text":"Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital?","start":2164.625,"end":2177.6,"sentiment":"neutral","sentiment_score":-0.07385605601046015},{"text":"So longer than ten years, between seven to nine, four to six, two to three, or two years.","start":2177.7402,"end":2184.7202,"sentiment":"neutral","sentiment_score":-0.1211300678551197},{"text":"Capital is the balance of your superannuation.","start":2189.82,"end":2192.2402,"sentiment":"neutral","sentiment_score":-0.11322681499379021}],"sentiment":"neutral","sentiment_score":-0.08865281997523347,"num_words":61,"start":2161.3699,"end":2192.2402},{"sentences":[{"text":"So given that you're twenty one years away from preservation age twenty years away.","start":2192.915,"end":2198.595,"sentiment":"neutral","sentiment_score":-0.1825368915285383},{"text":"Sorry.","start":2198.595,"end":2199.095,"sentiment":"neutral","sentiment_score":-0.14169186353683472},{"text":"The answer to that question in relation to superannuation would be longer than ten years.","start":2200.675,"end":2207.66,"sentiment":"neutral","sentiment_score":-0.1392157942056656},{"text":"Yep.","start":2207.66,"end":2208.16,"sentiment":"neutral","sentiment_score":-0.017280764877796173},{"text":"Okay.","start":2208.3,"end":2208.8,"sentiment":"neutral","sentiment_score":-0.04148524627089501}],"sentiment":"neutral","sentiment_score":-0.15138160216156393,"num_words":32,"start":2192.915,"end":2208.8},{"sentences":[{"text":"So inflation means things are getting more expensive over time, making today's money worth less.","start":2211.0999,"end":2217.04,"sentiment":"neutral","sentiment_score":-0.18865844756364822},{"text":"How much risk are you willing to take to keep up with the rising prices?","start":2217.42,"end":2222.685,"sentiment":"neutral","sentiment_score":-0.17008926272392272},{"text":"Number one, willing to accept a very high risk.","start":2224.0251,"end":2226.7651,"sentiment":"neutral","sentiment_score":-0.17926164633697933},{"text":"Two is willing to accept high risk.","start":2227.3052,"end":2230.5251,"sentiment":"neutral","sentiment_score":-0.09114571554320199},{"text":"Three is willing to accept moderate.","start":2230.665,"end":2232.92,"sentiment":"neutral","sentiment_score":-0.0351246086259683}],"sentiment":"neutral","sentiment_score":-0.15083342561355004,"num_words":52,"start":2211.0999,"end":2232.92},{"sentences":[{"text":"Four is a small amount of risk, and five is unwilling to take any risk.","start":2233.6199,"end":2238.2,"sentiment":"neutral","sentiment_score":-0.1486001228292783},{"text":"Yep.","start":2241.78,"end":2242.28,"sentiment":"neutral","sentiment_score":-0.04390542209148407},{"text":"Investments can go up and down in value.","start":2244.595,"end":2247.2551,"sentiment":"neutral","sentiment_score":-0.25837947241961956},{"text":"How much of a drop in your investment value over a year would you start to worry?","start":2247.955,"end":2253.3152,"sentiment":"negative","sentiment_score":-0.39929355417980866},{"text":"So we're talking about superannuation at the moment.","start":2253.3152,"end":2255.8152,"sentiment":"neutral","sentiment_score":-0.21034876070916653}],"sentiment":"neutral","sentiment_score":-0.26144333776770806,"num_words":49,"start":2233.6199,"end":2255.8152},{"sentences":[{"text":"More than 50%, up to 50%, up to 25%, up to 10%, or up to five percent.","start":2256.45,"end":2263.75,"sentiment":"neutral","sentiment_score":0.08809488069485216},{"text":"Yep.","start":2271.97,"end":2272.185,"sentiment":"neutral","sentiment_score":0.019655242562294006},{"text":"Okay.","start":2272.665,"end":2273.165,"sentiment":"neutral","sentiment_score":0.0013314802199602127},{"text":"And this is a very similar question.","start":2275.225,"end":2277.165,"sentiment":"neutral","sentiment_score":-0.04523880646697113},{"text":"How would you feel if in six months after investing, you found out that your portfolio decreased by 20% due to the movement the market movement, so the up and down.","start":2277.385,"end":2290.3298,"sentiment":"neutral","sentiment_score":-0.32626382069241616}],"sentiment":"neutral","sentiment_score":-0.15635527003752558,"num_words":57,"start":2256.45,"end":2290.3298},{"sentences":[{"text":"Would you invest more for growth, hold and wait for an improvement, shift your assets to more defensive assets to minimize your loss, or convert to cash to stop losses.","start":2290.79,"end":2306.655,"sentiment":"neutral","sentiment_score":-0.1045641154050827},{"text":"Yep.","start":2311.6748,"end":2312.1748,"sentiment":"neutral","sentiment_score":0.11619997024536131},{"text":"Okay.","start":2312.315,"end":2312.815,"sentiment":"neutral","sentiment_score":0.13501927256584167},{"text":"What kind of return do you expect to get from your investments over the long term?","start":2314.23,"end":2318.65,"sentiment":"neutral","sentiment_score":0.13793686544522643},{"text":"8% above, six to 8%, four to six, two to four, or zero to two?","start":2318.71,"end":2324.41,"sentiment":"neutral","sentiment_score":0.07915864785512289}],"sentiment":"neutral","sentiment_score":0.008074053104907747,"num_words":63,"start":2290.79,"end":2324.41},{"sentences":[{"text":"What kind of investment return would you expect to receive over the long term?","start":2330.7249,"end":2335.625,"sentiment":"neutral","sentiment_score":-0.03022592102310487},{"text":"So 8% or above per annum, six to 8% per annum, four to six, two to four, or zero to two.","start":2336.005,"end":2344.0,"sentiment":"neutral","sentiment_score":0.007355176577610629},{"text":"It's just Yep.","start":2353.6748,"end":2357.515,"sentiment":"neutral","sentiment_score":-0.14260869721571603},{"text":"That's okay.","start":2357.515,"end":2358.255,"sentiment":"neutral","sentiment_score":-0.1884823851287365},{"text":"Yep.","start":2359.035,"end":2359.515,"sentiment":"neutral","sentiment_score":-0.03298836573958397}],"sentiment":"neutral","sentiment_score":-0.02698740033750854,"num_words":41,"start":2330.7249,"end":2359.515},{"sentences":[{"text":"The markets look.","start":2359.515,"end":2361.035,"sentiment":"neutral","sentiment_score":-0.09444232533375423},{"text":"It's gonna vary every single year.","start":2361.035,"end":2363.055,"sentiment":"neutral","sentiment_score":-0.11641822010278702},{"text":"It's the long term return.","start":2364.315,"end":2366.095,"sentiment":"neutral","sentiment_score":-0.07478900402784347},{"text":"So people do do tend to fixate on the annual return, but it's the it's the it's the long term averaged out return.","start":2366.555,"end":2378.29,"sentiment":"neutral","sentiment_score":-0.03868468138186828},{"text":"So for example, one year, your portfolio might do 5%.","start":2378.35,"end":2383.2449,"sentiment":"neutral","sentiment_score":-0.015701987594366074}],"sentiment":"neutral","sentiment_score":-0.05111806094646454,"num_words":47,"start":2359.515,"end":2383.2449},{"sentences":[{"text":"But in the last three years, it's averaged out 13% each year.","start":2385.305,"end":2390.445,"sentiment":"neutral","sentiment_score":-0.03270559851080179},{"text":"It's the long term return that we're looking for in investments.","start":2390.585,"end":2394.6,"sentiment":"neutral","sentiment_score":0.021512014960700817},{"text":"Yeah.","start":2394.6,"end":2395.1,"sentiment":"neutral","sentiment_score":-0.03832398355007171},{"text":"Yeah.","start":2401.4001,"end":2401.8,"sentiment":"neutral","sentiment_score":-0.13948948681354523},{"text":"Yeah.","start":2401.8,"end":2402.12,"sentiment":"neutral","sentiment_score":-0.24105575680732727}],"sentiment":"neutral","sentiment_score":-0.022104009412802182,"num_words":26,"start":2385.305,"end":2402.12},{"sentences":[{"text":"So that's no.","start":2402.12,"end":2402.84,"sentiment":"negative","sentiment_score":-0.46828847130139667},{"text":"That's not ideal.","start":2402.84,"end":2403.7202,"sentiment":"negative","sentiment_score":-0.673467218875885},{"text":"No.","start":2403.7202,"end":2404.2202,"sentiment":"negative","sentiment_score":-0.35402223467826843},{"text":"We would definitely look at look at that.","start":2405.32,"end":2407.82,"sentiment":"neutral","sentiment_score":-0.09581886325031519},{"text":"Only a couple more questions.","start":2410.2551,"end":2411.635,"sentiment":"neutral","sentiment_score":-0.0582333080470562}],"sentiment":"neutral","sentiment_score":-0.2418503375723958,"num_words":20,"start":2402.12,"end":2411.635},{"sentences":[{"text":"Have your investments, including superannuation, ever dropped in value?","start":2411.935,"end":2416.195,"sentiment":"neutral","sentiment_score":-0.17614945272604624},{"text":"And if yes, how did it make you feel?","start":2417.135,"end":2419.7952,"sentiment":"neutral","sentiment_score":-0.04040968749258253},{"text":"Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record?","start":2420.095,"end":2433.35,"sentiment":"neutral","sentiment_score":-0.23867155352364416},{"text":"Yep.","start":2440.385,"end":2440.885,"sentiment":"neutral","sentiment_score":-0.02612140402197838},{"text":"If it if it did, would you be concerned?","start":2441.505,"end":2444.9648,"sentiment":"neutral","sentiment_score":-0.06964768262373076}],"sentiment":"neutral","sentiment_score":-0.1586554615813143,"num_words":51,"start":2411.935,"end":2444.9648},{"sentences":[{"text":"Would you be anxious?","start":2445.105,"end":2446.165,"sentiment":"neutral","sentiment_score":-0.1414500568062067},{"text":"Would you just watch and wait and be cautious, or would you be optimistic about the future?","start":2446.305,"end":2454.74,"sentiment":"neutral","sentiment_score":-0.045471121721407944},{"text":"Yep.","start":2460.32,"end":2460.555,"sentiment":"neutral","sentiment_score":-0.03720720112323761},{"text":"Yep.","start":2471.1948,"end":2471.6948,"sentiment":"neutral","sentiment_score":-0.0438825786113739},{"text":"Yep.","start":2472.635,"end":2472.87,"sentiment":"neutral","sentiment_score":-0.0643673986196518}],"sentiment":"neutral","sentiment_score":-0.06184443645179272,"num_words":24,"start":2445.105,"end":2472.87},{"sentences":[{"text":"Yep.","start":2482.4702,"end":2482.9702,"sentiment":"neutral","sentiment_score":-0.0440504178404808},{"text":"Yeah.","start":2493.1748,"end":2493.4148,"sentiment":"neutral","sentiment_score":-0.14999356865882874},{"text":"Well, we wouldn't be doing our job if we left at fifteen years.","start":2493.4148,"end":2496.9548,"sentiment":"neutral","sentiment_score":-0.2947312490298198},{"text":"We we'd be in a bit of trouble.","start":2498.135,"end":2499.9949,"sentiment":"negative","sentiment_score":-0.40827085822820663},{"text":"Alright.","start":2501.3901,"end":2501.79,"sentiment":"neutral","sentiment_score":-0.05278852581977844}],"sentiment":"neutral","sentiment_score":-0.3060210673138499,"num_words":24,"start":2482.4702,"end":2501.79},{"sentences":[{"text":"So how much risk are you willing to take to get the return you want?","start":2501.79,"end":2505.79,"sentiment":"neutral","sentiment_score":-0.007224855820337931},{"text":"So max return regardless of risk, high return oh, sorry.","start":2505.79,"end":2510.6702,"sentiment":"neutral","sentiment_score":0.011455162055790424},{"text":"High risk for big returns, moderate risk for good returns, minimal risk for slight returns, or safety first.","start":2510.6702,"end":2518.7148,"sentiment":"neutral","sentiment_score":0.01499459995991654},{"text":"Moderate?","start":2524.615,"end":2525.115,"sentiment":"neutral","sentiment_score":-0.00034145390964113176},{"text":"Okay.","start":2525.335,"end":2525.835,"sentiment":"neutral","sentiment_score":0.022679202258586884}],"sentiment":"neutral","sentiment_score":0.006631540686228416,"num_words":45,"start":2501.79,"end":2525.835},{"sentences":[{"text":"Okay.","start":2532.1501,"end":2532.6301,"sentiment":"neutral","sentiment_score":0.035752058029174805},{"text":"What kind of income do you expect to get from your investments in the future?","start":2532.6301,"end":2536.8901,"sentiment":"neutral","sentiment_score":0.02653746542831262},{"text":"So an example of capital growth is a share price increasing over time.","start":2538.7102,"end":2543.355,"sentiment":"neutral","sentiment_score":0.009409537109044882},{"text":"So that's the fluctuation in the market movement that we see.","start":2543.355,"end":2546.815,"sentiment":"neutral","sentiment_score":0.022968919947743416},{"text":"And an example is of income is the dividend.","start":2547.675,"end":2551.615,"sentiment":"neutral","sentiment_score":0.03714547761612468}],"sentiment":"neutral","sentiment_score":0.023328682445749944,"num_words":49,"start":2532.1501,"end":2551.615},{"sentences":[{"text":"So the dividend that's paid or a cash into a bank account.","start":2552.235,"end":2555.695,"sentiment":"neutral","sentiment_score":0.02473658819993337},{"text":"So the kind of in so referring this to superannuation and making it relevant is in with your super fund, what kind of income do you expect to get from your investments in the future?","start":2556.4102,"end":2569.47,"sentiment":"neutral","sentiment_score":0.020647210947104862},{"text":"At the moment, given you're twenty years away, is it capital growth only, no income, minimal income, mostly capital growth, a balance of income and capital growth, high income with some capital growth, or all income, no capital growth.","start":2570.055,"end":2588.81,"sentiment":"neutral","sentiment_score":-0.08222100372688892},{"text":"So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets.","start":2591.4302,"end":2600.6648,"sentiment":"neutral","sentiment_score":-0.020980944186449052},{"text":"Your so your growth assets, your shares So you when, you know, when you look at the the ASX and on the news and they talk about all the ups and downs and the volatilities and, you know, the HP is up whatever percent, They're your they're your growth assets.","start":2603.765,"end":2623.395,"sentiment":"neutral","sentiment_score":-0.013514465186744928}],"sentiment":"neutral","sentiment_score":-0.021039593588815343,"num_words":161,"start":2552.235,"end":2623.395},{"sentences":[{"text":"Your defensive assets are fixed interest and cash.","start":2624.4949,"end":2628.4949,"sentiment":"neutral","sentiment_score":0.04412301164120436},{"text":"So when we build a portfolio for your superannuation, you'll have a combination of both in your portfolio.","start":2628.4949,"end":2636.1948,"sentiment":"neutral","sentiment_score":0.13295481892095673},{"text":"Basically, this question's asking, based on your age now and proximity to access your funds, which is twenty years, do you want more exposure to growth assets to grow your funds over the longer term, or do you want more income producing defensive assets that is gonna produce income but not but very minimal long term growth?","start":2638.3499,"end":2663.275,"sentiment":"neutral","sentiment_score":-0.004676764210065206},{"text":"Income no.","start":2669.3901,"end":2672.6702,"sentiment":"neutral","sentiment_score":-0.0688876248896122},{"text":"No.","start":2672.6702,"end":2672.9102,"sentiment":"neutral","sentiment_score":-0.1375553011894226}],"sentiment":"neutral","sentiment_score":0.025630985148424327,"num_words":86,"start":2624.4949,"end":2672.9102},{"sentences":[{"text":"So when we refer to income in this respect, it's from your defensive portfolio.","start":2672.9102,"end":2677.1702,"sentiment":"neutral","sentiment_score":-0.05465927839811359},{"text":"So if you think of a term deposit, I'm just gonna use a term deposit as an example, it pays interest.","start":2677.23,"end":2683.725,"sentiment":"neutral","sentiment_score":0.007231798643867175},{"text":"That in the investment market is termed as income.","start":2684.685,"end":2689.665,"sentiment":"neutral","sentiment_score":0.02396116488509708},{"text":"It's not gross.","start":2690.205,"end":2691.425,"sentiment":"neutral","sentiment_score":-0.059283903489510216},{"text":"So you haven't you don't have any gross opportunity in a in a fixed in a term deposit, it produces an income for you only, which is a return of cash, basically.","start":2691.965,"end":2706.52,"sentiment":"neutral","sentiment_score":0.016131559561472386}],"sentiment":"neutral","sentiment_score":-0.0007513094504800024,"num_words":79,"start":2672.9102,"end":2706.52},{"sentences":[{"text":"Whereas a share, for example, if we look at CBA, the if you purchase the CBA share at $100, and in five years' time, that share was worth $200, your gross is $100 per share.","start":2707.62,"end":2727.93,"sentiment":"neutral","sentiment_score":0.07192826036896025},{"text":"That's a gross.","start":2727.93,"end":2728.73,"sentiment":"neutral","sentiment_score":0.15279838939507803},{"text":"So it's grown in value over time.","start":2728.73,"end":2731.15,"sentiment":"neutral","sentiment_score":0.2682830627475466},{"text":"But with a share, you also have an income component, which is the dividend.","start":2732.01,"end":2736.49,"sentiment":"neutral","sentiment_score":0.06898029148578644},{"text":"So it pays you a dividend usually on a quarterly basis, and it would be it would it might be, I don't know, $5 per share you hold or something like that.","start":2736.49,"end":2747.925,"sentiment":"neutral","sentiment_score":0.05921453778864816}],"sentiment":"neutral","sentiment_score":0.08477423088318044,"num_words":91,"start":2707.62,"end":2747.925},{"sentences":[{"text":"And that's the income component.","start":2748.065,"end":2749.845,"sentiment":"neutral","sentiment_score":0.03900347538292408},{"text":"So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use as an example, or do you want it more in a term deposit type investment for the example I explained to you?","start":2750.145,"end":2775.785,"sentiment":"neutral","sentiment_score":0.06964576444165273},{"text":"Yes.","start":2778.885,"end":2779.385,"sentiment":"neutral","sentiment_score":0.09412704408168791},{"text":"Okay.","start":2779.445,"end":2779.945,"sentiment":"neutral","sentiment_score":0.0586007684469223},{"text":"So now we've then when we look at that, would you want it in capital gross only with no income or minimal income with mostly capital gross or a balance of both?","start":2780.12,"end":2800.9026,"sentiment":"neutral","sentiment_score":-0.005820699036121368}],"sentiment":"neutral","sentiment_score":0.042468083665726034,"num_words":94,"start":2748.065,"end":2800.9026},{"sentences":[{"text":"Correct.","start":2816.3801,"end":2816.8801,"sentiment":"neutral","sentiment_score":0.04031529277563095},{"text":"Yep.","start":2823.02,"end":2823.345,"sentiment":"neutral","sentiment_score":0.14179620146751404},{"text":"Yep.","start":2823.9849,"end":2824.385,"sentiment":"neutral","sentiment_score":0.1751401126384735},{"text":"Okay.","start":2824.385,"end":2824.785,"sentiment":"neutral","sentiment_score":0.3075769543647766},{"text":"Beautiful.","start":2824.785,"end":2825.285,"sentiment":"positive","sentiment_score":0.5164104700088501}],"sentiment":"neutral","sentiment_score":0.23624780625104905,"num_words":5,"start":2816.3801,"end":2825.285},{"sentences":[{"text":"The next question is, have you ever thought about taking out a loan to invest?","start":2828.065,"end":2831.845,"sentiment":"neutral","sentiment_score":0.04750498856107394},{"text":"I know that you said you've done an investment property before, and you're looking at doing it again.","start":2832.785,"end":2837.8398,"sentiment":"neutral","sentiment_score":0.006752603040594194},{"text":"But have you ever thought of borrowing money to invest in shares, or is it just an investment property?","start":2837.9,"end":2843.2,"sentiment":"neutral","sentiment_score":-0.018988596177414843},{"text":"Yep.","start":2846.46,"end":2846.96,"sentiment":"neutral","sentiment_score":0.014413636177778244},{"text":"Okay.","start":2847.0999,"end":2847.5,"sentiment":"neutral","sentiment_score":0.07668126374483109}],"sentiment":"neutral","sentiment_score":0.01045246769812096,"num_words":54,"start":2828.065,"end":2847.5},{"sentences":[{"text":"That's fine.","start":2847.5,"end":2848.3198,"sentiment":"neutral","sentiment_score":0.16038086265325546},{"text":"And then the last question is thinking about your last answer, how did taking that loan out to invest make you feel for an investment property?","start":2848.7751,"end":2859.0352,"sentiment":"neutral","sentiment_score":0.03490123926446988},{"text":"Were you comfortable and aware of the risks, somewhat comfortable, cautious of the risks?","start":2859.2551,"end":2865.57,"sentiment":"neutral","sentiment_score":-0.03455932637942689},{"text":"You are careful with your borrowing and understand the risks associated, you are hesitant, or you were worried about the borrowing due to significant risks?","start":2866.03,"end":2880.645,"sentiment":"neutral","sentiment_score":-0.07812337979674339},{"text":"Yep.","start":2883.0251,"end":2883.5251,"sentiment":"neutral","sentiment_score":-0.015327828004956244}],"sentiment":"neutral","sentiment_score":-0.018000719794893965,"num_words":68,"start":2847.5,"end":2883.5251},{"sentences":[{"text":"Okay.","start":2885.105,"end":2885.605,"sentiment":"neutral","sentiment_score":-0.017863204702734947},{"text":"Yep.","start":2892.08,"end":2892.58,"sentiment":"neutral","sentiment_score":0.027407653629779816},{"text":"Mhmm.","start":2910.8152,"end":2910.99,"sentiment":"neutral","sentiment_score":-0.1684539020061493},{"text":"Yep.","start":2916.99,"end":2917.49,"sentiment":"neutral","sentiment_score":-0.22258469462394712},{"text":"Yep.","start":2935.565,"end":2935.77,"sentiment":"neutral","sentiment_score":0.057512011379003525}],"sentiment":"neutral","sentiment_score":-0.06479642726480961,"num_words":5,"start":2885.105,"end":2935.77},{"sentences":[{"text":"Mhmm.","start":2939.53,"end":2940.03,"sentiment":"neutral","sentiment_score":-0.2054939568042755},{"text":"Mhmm.","start":2948.715,"end":2949.215,"sentiment":"neutral","sentiment_score":-0.2753656208515167},{"text":"Mhmm.","start":2957.5151,"end":2958.0151,"sentiment":"negative","sentiment_score":-0.3653624653816223},{"text":"Yep.","start":2961.115,"end":2961.3,"sentiment":"neutral","sentiment_score":-0.08491098880767822},{"text":"Mhmm.","start":2978.035,"end":2978.535,"sentiment":"neutral","sentiment_score":-0.016466911882162094}],"sentiment":"neutral","sentiment_score":-0.18951998874545098,"num_words":5,"start":2939.53,"end":2978.535},{"sentences":[{"text":"Mhmm.","start":2998.5,"end":2999.0,"sentiment":"neutral","sentiment_score":-0.0018996363505721092},{"text":"Yep.","start":3011.715,"end":3011.88,"sentiment":"neutral","sentiment_score":-0.11984473466873168},{"text":"Okay.","start":3041.485,"end":3041.985,"sentiment":"neutral","sentiment_score":0.045593518763780594},{"text":"So do you think you would be comfortable somewhat comfortable cautious of the risks, or you'd be careful with your borrowings understanding its risks moving forward, or would you be hesitant?","start":3042.91,"end":3057.335,"sentiment":"neutral","sentiment_score":-0.022141134276265097},{"text":"Yeah.","start":3058.035,"end":3058.355,"sentiment":"neutral","sentiment_score":0.03033105842769146}],"sentiment":"neutral","sentiment_score":-0.02091985589691571,"num_words":35,"start":2998.5,"end":3058.355},{"sentences":[{"text":"So there's five all up, so I'll read them out to you again.","start":3058.355,"end":3061.155,"sentiment":"neutral","sentiment_score":0.08522959970510922},{"text":"So if we think about the future plans of purchasing the investment property, how would you feel taking on a new loan for the investment property, would you be comfortable borrowing for it, aware of the risks?","start":3061.155,"end":3076.4302,"sentiment":"neutral","sentiment_score":0.01958194828113994},{"text":"Would you be somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, very wary very wary of risks, and worried about borrowing due to the significant risks.","start":3076.8901,"end":3092.685,"sentiment":"neutral","sentiment_score":-0.23539006529432355},{"text":"Yep.","start":3096.905,"end":3097.26,"sentiment":"neutral","sentiment_score":0.03173165023326874},{"text":"So some yep.","start":3097.34,"end":3100.8801,"sentiment":"neutral","sentiment_score":0.011792990068594614}],"sentiment":"neutral","sentiment_score":-0.0674510879506325,"num_words":87,"start":3058.355,"end":3100.8801},{"sentences":[{"text":"So the the second one actually is somewhat comfortable, cautious of the risks.","start":3101.9,"end":3106.72,"sentiment":"neutral","sentiment_score":-0.017034505422298726},{"text":"The other one is careful with borrowing, understanding its risks.","start":3106.78,"end":3110.495,"sentiment":"neutral","sentiment_score":-0.129784369841218},{"text":"It's it's hard, isn't it?","start":3119.1152,"end":3120.895,"sentiment":"neutral","sentiment_score":-0.14291864559054374},{"text":"Yeah.","start":3122.475,"end":3122.715,"sentiment":"neutral","sentiment_score":0.05620920658111572},{"text":"They are.","start":3122.715,"end":3123.5352,"sentiment":"neutral","sentiment_score":0.055744217708706856}],"sentiment":"neutral","sentiment_score":-0.06665122112439524,"num_words":31,"start":3101.9,"end":3123.5352},{"sentences":[{"text":"Yep.","start":3123.995,"end":3124.35,"sentiment":"neutral","sentiment_score":0.07263525575399399},{"text":"Yeah.","start":3130.99,"end":3131.49,"sentiment":"neutral","sentiment_score":0.04907706752419472},{"text":"Yep.","start":3131.55,"end":3132.03,"sentiment":"neutral","sentiment_score":0.059027135372161865},{"text":"That's yeah.","start":3132.03,"end":3133.31,"sentiment":"neutral","sentiment_score":0.07425639778375626},{"text":"That's one of the answers.","start":3133.31,"end":3134.51,"sentiment":"neutral","sentiment_score":0.0734486386179924}],"sentiment":"neutral","sentiment_score":0.06964954473078251,"num_words":10,"start":3123.995,"end":3134.51},{"sentences":[{"text":"Yeah.","start":3134.51,"end":3135.01,"sentiment":"neutral","sentiment_score":0.057356953620910645},{"text":"Yep.","start":3136.9102,"end":3137.31,"sentiment":"neutral","sentiment_score":0.15618851780891418},{"text":"Okay.","start":3137.31,"end":3137.81,"sentiment":"positive","sentiment_score":0.38686421513557434},{"text":"Fantastic.","start":3137.87,"end":3138.37,"sentiment":"positive","sentiment_score":0.6985180377960205},{"text":"It gives me an overview of your risk tolerance.","start":3139.255,"end":3143.275,"sentiment":"positive","sentiment_score":0.5283028450277116}],"sentiment":"positive","sentiment_score":0.4656656407392942,"num_words":13,"start":3134.51,"end":3143.275},{"sentences":[{"text":"So what I'm gonna do is explain to you how that has come out.","start":3143.335,"end":3147.275,"sentiment":"positive","sentiment_score":0.40196844722543446},{"text":"You've come out as what we describe as a balanced growth investor.","start":3147.7349,"end":3152.4749,"sentiment":"positive","sentiment_score":0.3542797416448593},{"text":"I I I believe in just our conversation, it's probably due to the fact that you haven't had much exposure to managing finances by the sound of it and being confident enough to make those decisions yourself.","start":3154.1099,"end":3171.9749,"sentiment":"neutral","sentiment_score":0.12832029032948855},{"text":"I'm just opening up a document so I can talk you through this.","start":3175.395,"end":3179.9749,"sentiment":"neutral","sentiment_score":0.12594257982877585},{"text":"What a balanced growth investor is is when we look at investing, we talk about the growth investments being so those growth being your shares that produce growth and income, having about 70% of your superannuation balance attributed and invested in that area with approximately the remaining 30% in your fixed fixed interest.","start":3180.7,"end":3209.32,"sentiment":"neutral","sentiment_score":0.10220998314754018}],"sentiment":"neutral","sentiment_score":0.16807091897425724,"num_words":129,"start":3143.335,"end":3209.32},{"sentences":[{"text":"So it's cash and bonds and those types of things.","start":3209.62,"end":3212.76,"sentiment":"neutral","sentiment_score":0.046347233653068545},{"text":"Over the long term, you would expect a return of between six to 8% per annum.","start":3213.46,"end":3219.24,"sentiment":"neutral","sentiment_score":0.06295078143011779},{"text":"So you're probably invested in something very similar to that at the moment with that 7% return you mentioned with a likelihood of a negative year, one in every six years being negative, and then a minimum time frame for investment of at least five years to outlast that volatility that we have touched on the market volatility.","start":3219.46,"end":3247.44,"sentiment":"neutral","sentiment_score":-0.05958647305017401},{"text":"Growth portfolio is the right thing to do for the time being.","start":3257.5652,"end":3260.7,"sentiment":"neutral","sentiment_score":0.18683143503343067},{"text":"Growth portfolio is the right thing to do for the time being.","start":3260.94,"end":3264.48,"sentiment":"positive","sentiment_score":0.4004393269618352}],"sentiment":"neutral","sentiment_score":0.04686961617079322,"num_words":108,"start":3209.62,"end":3264.48},{"sentences":[{"text":"I think once you have some more exposure and you see how the portfolio works and you you have a little bit more comfort with how how it works, we could look at increasing your exposure to growth assets then.","start":3265.02,"end":3286.405,"sentiment":"neutral","sentiment_score":0.2216664429754019},{"text":"But, again, that's just my my advice and my opinion.","start":3288.8801,"end":3293.3,"sentiment":"neutral","sentiment_score":0.22856313288211821},{"text":"We if you feel like you wanna take more of a a step up and allocate, go the next one up, which is a growth investor, which is an 80% allocation to your growth assets and 20% to defensive assets, that again bumps up the annualized return of about seven to 9% per annum that you would see.","start":3293.6802,"end":3321.28,"sentiment":"neutral","sentiment_score":0.3111635536469262},{"text":"This is just a guide.","start":3321.82,"end":3323.0999,"sentiment":"neutral","sentiment_score":0.10942364037036896},{"text":"It's not in writing.","start":3323.0999,"end":3324.46,"sentiment":"neutral","sentiment_score":0.00466678524389863}],"sentiment":"neutral","sentiment_score":0.2544065000186873,"num_words":117,"start":3265.02,"end":3324.46},{"sentences":[{"text":"It's what we would statistically, what we look at long term.","start":3324.46,"end":3328.4,"sentiment":"neutral","sentiment_score":0.10115365988828919},{"text":"But that one is having a minimum of at least six years of an investment time frame.","start":3328.695,"end":3333.5752,"sentiment":"neutral","sentiment_score":0.08489064981832224},{"text":"So no matter what you choose, you've got time on your side to withstand that wave of volatility that you're gonna experience no matter where your funds are invested.","start":3333.5752,"end":3344.58,"sentiment":"neutral","sentiment_score":0.16251419613073612},{"text":"It's just really your comfort level of how how much exposure you want to those growth assets at the moment or or whether you wanna go high and watch how it goes or whether you just wanna start start and ease in.","start":3346.4,"end":3371.5,"sentiment":"positive","sentiment_score":0.41832228785469416},{"text":"And as you grow confidence and understanding how the portfolio works and and having our having regular meetings and catch ups, we can look to increase exposure over time.","start":3371.5,"end":3386.205,"sentiment":"positive","sentiment_score":0.39327724637656375}],"sentiment":"neutral","sentiment_score":0.28315093147102743,"num_words":128,"start":3324.46,"end":3386.205},{"sentences":[{"text":"It's a lot.","start":3399.65,"end":3400.55,"sentiment":"neutral","sentiment_score":0.0865060364206632},{"text":"100%.","start":3403.5698,"end":3404.6099,"sentiment":"neutral","sentiment_score":0.17653390765190125},{"text":"I will send you a summary email of our whole conversation and go over that.","start":3404.6099,"end":3410.29,"sentiment":"neutral","sentiment_score":0.25170164505640663},{"text":"And so you've got the information there to be able to make an informed decision.","start":3410.29,"end":3414.605,"sentiment":"positive","sentiment_score":0.37924295862515767},{"text":"It's a lot to process, and it's not something that, you know, I'd expect you to make a decision right now on.","start":3414.905,"end":3425.245,"sentiment":"neutral","sentiment_score":0.15995776517824692}],"sentiment":"neutral","sentiment_score":0.23963021260819264,"num_words":56,"start":3399.65,"end":3425.245},{"sentences":[{"text":"Alright.","start":3427.41,"end":3427.91,"sentiment":"neutral","sentiment_score":0.20051901042461395},{"text":"What I'm going to do is I'm going to there's a few items on my end that I'll work on putting together.","start":3428.13,"end":3434.93,"sentiment":"neutral","sentiment_score":0.18228801136667078},{"text":"I'm gonna send you through a summary email of our conversation.","start":3434.93,"end":3437.67,"sentiment":"neutral","sentiment_score":0.1765331741083752},{"text":"There are some other details that I do need from you if you do wish to proceed, and that's copies of your ID.","start":3439.73,"end":3446.485,"sentiment":"neutral","sentiment_score":0.00841106199052023},{"text":"I'll send you through a link at a later date to complete a ID certification.","start":3447.345,"end":3454.325,"sentiment":"neutral","sentiment_score":0.12189901719490687}],"sentiment":"neutral","sentiment_score":0.11353694249151482,"num_words":72,"start":3427.41,"end":3454.325},{"sentences":[{"text":"So that's just to confirm who you are.","start":3455.2898,"end":3457.47,"sentiment":"neutral","sentiment_score":0.09238252136856318},{"text":"You know, it's to do with anti money laundering rules.","start":3458.0898,"end":3461.3098,"sentiment":"neutral","sentiment_score":-0.013743562716990709},{"text":"But we've got we've got a cross tick, which I'm sure you understand being in the insurance insurance business.","start":3462.01,"end":3468.2698,"sentiment":"neutral","sentiment_score":0.004869405474317701},{"text":"So what I'll do is I'm gonna send you a summary email.","start":3469.935,"end":3472.995,"sentiment":"neutral","sentiment_score":0.13775877157847086},{"text":"I'll touch base with you next week, and this it will just outline next steps and and what we can do from here on in.","start":3474.0952,"end":3484.47,"sentiment":"neutral","sentiment_score":0.19508257001638413}],"sentiment":"neutral","sentiment_score":0.09762584806948497,"num_words":74,"start":3455.2898,"end":3484.47},{"sentences":[{"text":"Alright.","start":3486.53,"end":3487.03,"sentiment":"positive","sentiment_score":0.5899533033370972},{"text":"Wonderful.","start":3487.41,"end":3487.91,"sentiment":"positive","sentiment_score":0.814562201499939},{"text":"Thank you, Holly.","start":3489.0898,"end":3490.21,"sentiment":"positive","sentiment_score":0.7761789162953695},{"text":"And I will just send this off to you, and I will speak to you next week.","start":3490.21,"end":3496.8389,"sentiment":"positive","sentiment_score":0.4919797225910075},{"text":"Thank thank you so much for your time.","start":3496.8389,"end":3498.859,"sentiment":"positive","sentiment_score":0.7685446068644524}],"sentiment":"positive","sentiment_score":0.6081688130895296,"num_words":30,"start":3486.53,"end":3498.859},{"sentences":[{"text":"Okay.","start":3500.679,"end":3501.179,"sentiment":"neutral","sentiment_score":0.2269497513771057},{"text":"Bye.","start":3501.239,"end":3501.739,"sentiment":"neutral","sentiment_score":-0.11160756647586824}],"sentiment":"neutral","sentiment_score":0.05767109245061874,"num_words":2,"start":3500.679,"end":3501.739}]}}]},{"alternatives":[{"transcript":"Hello. Holly speaking. Good. Thank you, Jenna. How are you? Yep. Sure. My full name is probably Nellie Smith. My date of birth is twenty seventh of the third 1986. Did you say address for the third one? 16 O Golden Road, Avenue Park. Yes. Yes. Yes. Okay. Yeah. That's all correct that you said. I have only about 15,000 dollars of my own super in what became a Australian retirement trust. And then when the separation happened last year I separated in January. The separation of assets and finances only was completed about December last year, and they automatically set up another rest super fund for me, which I don't really know how that works. But, obviously, rest, they did it that way. So I'd like to put those two together and potentially not in either one of those existing super funds and one that is better. And I know nothing about that, so that's why I'm reaching out to you guys. So, yeah, that's the first part. And the second part is, yeah, I in my current job, I am kind of going backwards on finances being that my expenses are more than what my job pays, and I do have savings that I would like to be putting to possible investment properties or something like that can that can be earning me extra income. Oh, I sent that the other day. Yes. Madison. Yes. Uh-huh. Yep. Mhmm. Right. Yes. Right. Yep. Yep. Yeah. Okay. Yes. Yep. I don't really know. That's kind of why I want your advice on which way is the best way to go for what I for my situation. Yeah. Okay. I don't really know. Yep. Yep. Well, that's something I need to revisit and get a clearer picture on in the next few days is my was my plan for that. Look. Probably, if I just did the basics, it would cover things. But my kids go to a private store. Those fees are paid for by their dad, but there's often things that come up, instruments, things like that. If I wouldn't be including any, like, entertainment, birthdays, gifts, holidays, anything like that, it would be very basic in terms of what I actually cover. At the moment, I'm using, like, savings, that big chunk of money from the separation to kind of supplement that, but I don't wanna keep doing that for for a long time. And I do I am open to changing my job because it there's a number of reasons why that isn't working as well. But, look, this is just the job that I found that would work me being a single mom last year and what I could work in with picking up and dropping off my kids from school without having to pay childcare fees and that kind of thing. Currently yeah. I'm currently at casual. I wasn't. My boss changed that. And then also, he made my position redundant. And then now he's starting to cut back my hours a little bit, well, as he is with every casual employee at the moment because I'm in insurance industry, so things quietened down sort of between, like, June and October. But I there's other reasons as well, but I can't really afford to be only working two days a week. Yeah. Yep. Not just yet. This is only a recent development, but, yeah, I have just just realized that that's probably what I'm gonna have to do in the next little while. Yep. Yeah. Child support is paying for the school fees. Yeah. So, yeah, I don't get any Centrelink payment anymore because my partner moved in. Yep. Yep. Yep. Correct. Plus Dave's two. Plus Dave's two children. On and off. It's a bit of a revolving door. They yeah. They spend time with yeah. And it's not very big, but it's it's good enough. We have five bedrooms, so it it works. And not everyone's here all at once. So yeah. Mhmm. Just recently. Yeah. Yeah. Well, it's only just this week that he asked me to do three days. And so I'm doing it's still going to be about twenty four because I'll do eight hang on. Seven and a half hour days times three. So twenty two and a half hours, I guess, this week. Yeah. Because it might change back. At the moment, that is the average. Yeah. That would have been the last financial year, I think. Or maybe I've looked at a pay slip and that's what yeah. Yeah. That would be right. From the from the financial year that just ended. Yeah. I think that was Dave's estimate. Yep. Mhmm. Yep. Yep. I'd probably be comfortable with a 150. Yeah. What's TPD? Okay. I'm interested to know about those options and how much it changes anything to include them. Yep. That's okay. Possibly. But we're nowhere near actioning any of that. But, yes, possibly. Probably within five years. Yeah. Yep. Yep. Not correct. Yep. Right. Okay. Yep. I reckon it's going to be at least I'd say between 800,000 and 1.1 or 1.2 maybe. I have not thought about this. But so does that mean, like, you know, a couple years in if I died, then and he owns half the house. And if I opt for it to go to the kids, that would maybe leave him in a state of having to sell the house because he can't afford to buy the others. Well, how does that work? Mhmm. Right. Yep. Okay. Yep. Yep. Good question. Probably probably goes for the income one rather than I know you can do things like have the lump sum available only when they turn a certain age or that kind of thing, can't you? Alright. Until they turn that age. Okay. And the reason you need to know these things now is why? Yeah. Okay. Yep. Yeah. Okay. Well, in in that circumstance, then, yeah, I probably wouldn't want it locked away if they're needing to be if they're needing funds to be cared for. Out of the money that I have? As in, like, percentages? I have no idea what's even what's even possible. What? Yeah. What's what's usual? What's Okay. So an amount that this is gonna help you determine. Yeah. Oh, it's just really hard for me because I've just it's just nothing. Like, it's so foreign that I have not even thought about. And, like, you don't know how you don't know how far away this is and how much things are gonna cost. Mhmm. Yeah. Yep. I think so. That might be better for me to get an idea, and then I can ask questions from there as to how to tweak it a bit. Yeah. Mhmm. I I don't know. I look. The ultimate aim for Dave and I is is to go into investment properties, and then that becomes our income. And we basically just manage properties as our as our job. But yeah. Yeah. That's the plan. Starting to buy a property? Hopefully, within the next six to twelve months. Yep. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yep. That's fine. So, really, we're just talking about super then, if that's the case. Yeah. Yeah. Yeah. I I understand that. Yeah. No. I have not. Okay. Uh-huh. Yep. Yep. Okay. Average. No. Sorry. There was one there that said novice, and then there was one after it. What was the one after it? No. I was just saying novice. Okay. What was the question again? What is the most Investment property. You might have to explain to me what Capital is? Yeah. Yep. Yep. Moderate. Mhmm. Would I start to worry? Up to 25%. Mhmm. After six months, probably just holding right. Sorry. Say question again? Well, I spoke to Dave and mine is at seven, and he said that's not that good. So based on that, I I would say over eight, but I really don't know. Yeah. Yeah. I think it said I think it said something like an average of seven point something over a 10 period. Yes. To be completely honest with you, I don't know if it's ever dropped. Well, like, it depends how how long I forget what you said in the question, how long it's been and how long I've got to go, that kind of thing. But, generally, I'm not gonna get worried over a short term kind of change. If it was, like, you know, like, fifteen years or something of it not picking back up again, then, yeah, I'd be pretty concerned in wanting to change it. But I I am aware that things fluctuate, so I'm not going to act quickly on things that go up and down a little bit. Exactly. Moderate risk. Mhmm. Compared to what? Sorry. Yeah. Uh-huh. Yeah. So where does the income come into super? Is that money you can access? Yeah. Yeah. Uh-huh. Yep. Okay. Yeah. Yeah. My feeling is the gross one. I have no idea what's the better. Either one of those sounds good to me, but I does it mean that one is like, if you've got some income coming in, does that mean the growth isn't as big? Okay. So minimal income, the one that says that, but still mostly growth. Yeah. Never thought about it with Shiv. No. Okay. I might just explain to you very quickly the situation, and that might explain my answer. But at the time, my ex husband and I already owned the property. Oh, well, we're paying it off. And this idea came from someone that he met, and then it was, like, a broker who finds the investment property for you and basically does the leg work, and you just invest in it. For some reason, I had a lot of gut instinct telling me it wasn't a good idea. I tried to put it off and put it off. Although, I do like the idea of having an investment property, and we had done that before because we turned our home that we were living in when we moved to another home. We we turned that original one into an investment property and rented it out. And that didn't go well at all because of the way it was set up. We ended up not knowing that we had to pay a whole lot more in repayments because of the way it was set up. So that caused us probably a whole year of financial pain while I was at home with small children. And maybe that's what caused me to be really quite anxious about the second one, but I just did not have a good feeling about it. And then body corporate fees became an issue. We end up selling that in the second investment property. It was a unit not long after, maybe six to twelve months. Maybe a bit about twelve months after we bought it. Luckily, it had grown enough to to cover the capital gains, I think it was, that we had to so we didn't actually come out at a loss. But yeah. So there's the circumstances where I would probably be hesitant, but at the same time, that was a very different time for me and was was a different partner. I didn't I really didn't trust now that I look back, I didn't trust him, and I didn't trust his decision making and research processes. Whereas with Dave, I'm it's completely different. So I know that he's looked a lot into it. He's he's actually learning how to be a trader on the stock market now. He makes very careful decisions. He's good with his money, so it would be a different situation now. So yeah. Were they two options? Yep. It's somewhere between the second one and the third one. Somewhat comfortable, but also cautious. They're very close. Yeah. Somewhat comfortable. Is it somewhat comfortable cautious of the risks? Yeah. Probably that one. Okay. Yep. Yep. Thank you. Okay. Mhmm. Right. Yep. Absolutely. Yep. Okay. Alright. I think I'm gonna need some time to digest. Is there a way you can send me an email about what we've talked about? Yep. Yep. Yep. Yep. Yep. Okay. Perfect. Thank you so much. Okay. Thanks, Jenna. No problem. 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Holly speaking. Good. Thank you, Jenna. How are you?\n\nYep. Sure. My full name is probably Nellie Smith. My date of birth is twenty seventh of the third 1986. Did you say address for the third one?\n\n16 O Golden Road, Avenue Park. Yes. Yes. Yes. Okay.\n\nYeah. That's all correct that you said. I have only about 15,000 dollars of my own super in what became a Australian retirement trust. And then when the separation happened last year I separated in January. The separation of assets and finances only was completed about December last year, and they automatically set up another rest super fund for me, which I don't really know how that works.\n\nBut, obviously, rest, they did it that way. So I'd like to put those two together and potentially not in either one of those existing super funds and one that is better. And I know nothing about that, so that's why I'm reaching out to you guys. So, yeah, that's the first part. And the second part is, yeah, I in my current job, I am kind of going backwards on finances being that my expenses are more than what my job pays, and I do have savings that I would like to be putting to possible investment properties or something like that can that can be earning me extra income.\n\nOh, I sent that the other day. Yes. Madison. Yes. Uh-huh.\n\nYep. Mhmm. Right. Yes. Right.\n\nYep. Yep. Yeah. Okay. Yes.\n\nYep. I don't really know. That's kind of why I want your advice on which way is the best way to go for what I for my situation. Yeah. Okay.\n\nI don't really know. Yep. Yep. Well, that's something I need to revisit and get a clearer picture on in the next few days is my was my plan for that. Look.\n\nProbably, if I just did the basics, it would cover things. But my kids go to a private store. Those fees are paid for by their dad, but there's often things that come up, instruments, things like that. If I wouldn't be including any, like, entertainment, birthdays, gifts, holidays, anything like that, it would be very basic in terms of what I actually cover. At the moment, I'm using, like, savings, that big chunk of money from the separation to kind of supplement that, but I don't wanna keep doing that for for a long time.\n\nAnd I do I am open to changing my job because it there's a number of reasons why that isn't working as well. But, look, this is just the job that I found that would work me being a single mom last year and what I could work in with picking up and dropping off my kids from school without having to pay childcare fees and that kind of thing. Currently yeah. I'm currently at casual. I wasn't.\n\nMy boss changed that. And then also, he made my position redundant. And then now he's starting to cut back my hours a little bit, well, as he is with every casual employee at the moment because I'm in insurance industry, so things quietened down sort of between, like, June and October. But I there's other reasons as well, but I can't really afford to be only working two days a week. Yeah.\n\nYep. Not just yet. This is only a recent development, but, yeah, I have just just realized that that's probably what I'm gonna have to do in the next little while. Yep. Yeah.\n\nChild support is paying for the school fees. Yeah. So, yeah, I don't get any Centrelink payment anymore because my partner moved in. Yep. Yep.\n\nYep. Correct. Plus Dave's two. Plus Dave's two children. On and off.\n\nIt's a bit of a revolving door. They yeah. They spend time with yeah. And it's not very big, but it's it's good enough. We have five bedrooms, so it it works.\n\nAnd not everyone's here all at once. So yeah. Mhmm. Just recently. Yeah.\n\nYeah. Well, it's only just this week that he asked me to do three days. And so I'm doing it's still going to be about twenty four because I'll do eight hang on. Seven and a half hour days times three. So twenty two and a half hours, I guess, this week.\n\nYeah. Because it might change back. At the moment, that is the average. Yeah. That would have been the last financial year, I think.\n\nOr maybe I've looked at a pay slip and that's what yeah. Yeah. That would be right. From the from the financial year that just ended. Yeah.\n\nI think that was Dave's estimate. Yep. Mhmm. Yep. Yep.\n\nI'd probably be comfortable with a 150. Yeah. What's TPD? Okay. I'm interested to know about those options and how much it changes anything to include them.\n\nYep. That's okay. Possibly. But we're nowhere near actioning any of that. But, yes, possibly.\n\nProbably within five years. Yeah. Yep. Yep. Not correct.\n\nYep. Right. Okay. Yep. I reckon it's going to be at least I'd say between 800,000 and 1.1 or 1.2 maybe.\n\nI have not thought about this. But so does that mean, like, you know, a couple years in if I died, then and he owns half the house. And if I opt for it to go to the kids, that would maybe leave him in a state of having to sell the house because he can't afford to buy the others. Well, how does that work? Mhmm.\n\nRight. Yep. Okay. Yep. Yep.\n\nGood question. Probably probably goes for the income one rather than I know you can do things like have the lump sum available only when they turn a certain age or that kind of thing, can't you? Alright. Until they turn that age. Okay.\n\nAnd the reason you need to know these things now is why? Yeah. Okay. Yep. Yeah.\n\nOkay. Well, in in that circumstance, then, yeah, I probably wouldn't want it locked away if they're needing to be if they're needing funds to be cared for. Out of the money that I have? As in, like, percentages? I have no idea what's even what's even possible.\n\nWhat? Yeah. What's what's usual? What's Okay. So an amount that this is gonna help you determine.\n\nYeah. Oh, it's just really hard for me because I've just it's just nothing. Like, it's so foreign that I have not even thought about. And, like, you don't know how you don't know how far away this is and how much things are gonna cost. Mhmm.\n\nYeah. Yep. I think so. That might be better for me to get an idea, and then I can ask questions from there as to how to tweak it a bit. Yeah.\n\nMhmm. I I don't know. I look. The ultimate aim for Dave and I is is to go into investment properties, and then that becomes our income. And we basically just manage properties as our as our job.\n\nBut yeah. Yeah. That's the plan. Starting to buy a property? Hopefully, within the next six to twelve months.\n\nYep. Yeah. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. That's fine.\n\nSo, really, we're just talking about super then, if that's the case. Yeah. Yeah. Yeah. I I understand that.\n\nYeah. No. I have not. Okay. Uh-huh.\n\nYep. Yep. Okay. Average. No.\n\nSorry. There was one there that said novice, and then there was one after it. What was the one after it? No. I was just saying novice.\n\nOkay. What was the question again? What is the most Investment property. You might have to explain to me what Capital is? Yeah.\n\nYep. Yep. Moderate. Mhmm. Would I start to worry?\n\nUp to 25%. Mhmm. After six months, probably just holding right. Sorry. Say question again?\n\nWell, I spoke to Dave and mine is at seven, and he said that's not that good. So based on that, I I would say over eight, but I really don't know. Yeah. Yeah. I think it said I think it said something like an average of seven point something over a 10 period.\n\nYes. To be completely honest with you, I don't know if it's ever dropped. Well, like, it depends how how long I forget what you said in the question, how long it's been and how long I've got to go, that kind of thing. But, generally, I'm not gonna get worried over a short term kind of change. If it was, like, you know, like, fifteen years or something of it not picking back up again, then, yeah, I'd be pretty concerned in wanting to change it.\n\nBut I I am aware that things fluctuate, so I'm not going to act quickly on things that go up and down a little bit. Exactly. Moderate risk. Mhmm. Compared to what?\n\nSorry. Yeah. Uh-huh. Yeah. So where does the income come into super?\n\nIs that money you can access? Yeah. Yeah. Uh-huh. Yep.\n\nOkay. Yeah. Yeah. My feeling is the gross one. I have no idea what's the better.\n\nEither one of those sounds good to me, but I does it mean that one is like, if you've got some income coming in, does that mean the growth isn't as big? Okay. So minimal income, the one that says that, but still mostly growth. Yeah. Never thought about it with Shiv.\n\nNo. Okay. I might just explain to you very quickly the situation, and that might explain my answer. But at the time, my ex husband and I already owned the property. Oh, well, we're paying it off.\n\nAnd this idea came from someone that he met, and then it was, like, a broker who finds the investment property for you and basically does the leg work, and you just invest in it. For some reason, I had a lot of gut instinct telling me it wasn't a good idea. I tried to put it off and put it off. Although, I do like the idea of having an investment property, and we had done that before because we turned our home that we were living in when we moved to another home. We we turned that original one into an investment property and rented it out.\n\nAnd that didn't go well at all because of the way it was set up. We ended up not knowing that we had to pay a whole lot more in repayments because of the way it was set up. So that caused us probably a whole year of financial pain while I was at home with small children. And maybe that's what caused me to be really quite anxious about the second one, but I just did not have a good feeling about it. And then body corporate fees became an issue.\n\nWe end up selling that in the second investment property. It was a unit not long after, maybe six to twelve months. Maybe a bit about twelve months after we bought it. Luckily, it had grown enough to to cover the capital gains, I think it was, that we had to so we didn't actually come out at a loss. But yeah.\n\nSo there's the circumstances where I would probably be hesitant, but at the same time, that was a very different time for me and was was a different partner. I didn't I really didn't trust now that I look back, I didn't trust him, and I didn't trust his decision making and research processes. Whereas with Dave, I'm it's completely different. So I know that he's looked a lot into it. He's he's actually learning how to be a trader on the stock market now.\n\nHe makes very careful decisions. He's good with his money, so it would be a different situation now. So yeah. Were they two options? Yep.\n\nIt's somewhere between the second one and the third one. Somewhat comfortable, but also cautious. They're very close. Yeah. Somewhat comfortable.\n\nIs it somewhat comfortable cautious of the risks? Yeah. Probably that one. Okay. Yep.\n\nYep. Thank you. Okay. Mhmm. Right.\n\nYep. Absolutely. Yep. Okay. Alright.\n\nI think I'm gonna need some time to digest. Is there a way you can send me an email about what we've talked about? Yep. Yep. Yep.\n\nYep. Yep. Okay. Perfect. Thank you so much.\n\nOkay. Thanks, Jenna. No problem. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":3.52,"end":3.84,"sentiment":"neutral","sentiment_score":0.03329449146986008},{"text":"Holly speaking.","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.03107909206300974},{"text":"Good.","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.5615453720092773},{"text":"Thank you, Jenna.","start":10.32,"end":11.04,"sentiment":"positive","sentiment_score":0.5901656945546468},{"text":"How are you?","start":11.04,"end":11.86,"sentiment":"positive","sentiment_score":0.35076138377189636}],"sentiment":"positive","sentiment_score":0.3479779282584786,"num_words":10,"start":3.52,"end":11.86},{"sentences":[{"text":"Yep.","start":23.314999,"end":23.794998,"sentiment":"neutral","sentiment_score":0.07235374301671982},{"text":"Sure.","start":23.794998,"end":24.294998,"sentiment":"neutral","sentiment_score":0.19481278955936432},{"text":"My full name is probably Nellie Smith.","start":33.4,"end":36.78,"sentiment":"neutral","sentiment_score":0.0388130566903523},{"text":"My date of birth is twenty seventh of the third 1986.","start":38.815,"end":42.175,"sentiment":"neutral","sentiment_score":0.031173991039395332},{"text":"Did you say address for the third one?","start":42.175,"end":44.114998,"sentiment":"neutral","sentiment_score":0.011907283682376146}],"sentiment":"neutral","sentiment_score":0.03489393215360386,"num_words":28,"start":23.314999,"end":44.114998},{"sentences":[{"text":"16 O Golden Road, Avenue Park.","start":45.775,"end":48.434998,"sentiment":"neutral","sentiment_score":0.016966375056654215},{"text":"Yes.","start":66.975,"end":67.475,"sentiment":"neutral","sentiment_score":0.1408335566520691},{"text":"Yes.","start":90.590004,"end":91.090004,"sentiment":"neutral","sentiment_score":0.04982675239443779},{"text":"Yes.","start":96.825005,"end":97.325005,"sentiment":"neutral","sentiment_score":0.09736163914203644},{"text":"Okay.","start":111.41,"end":111.91,"sentiment":"neutral","sentiment_score":0.0523918941617012}],"sentiment":"neutral","sentiment_score":0.04422120926901698,"num_words":10,"start":45.775,"end":111.91},{"sentences":[{"text":"Yeah.","start":112.93,"end":113.17,"sentiment":"neutral","sentiment_score":0.04719057306647301},{"text":"That's all correct that you said.","start":113.17,"end":115.35,"sentiment":"neutral","sentiment_score":0.05799746078749498},{"text":"I have only about 15,000 dollars of my own super in what became a Australian retirement trust.","start":116.61,"end":124.47,"sentiment":"neutral","sentiment_score":0.027934859342434826},{"text":"And then when the separation happened last year I separated in January.","start":126.195,"end":131.735,"sentiment":"neutral","sentiment_score":0.012709726113826036},{"text":"The separation of assets and finances only was completed about December last year, and they automatically set up another rest super fund for me, which I don't really know how that works.","start":132.115,"end":153.18,"sentiment":"neutral","sentiment_score":0.006336732301861048}],"sentiment":"neutral","sentiment_score":0.018020001377033835,"num_words":68,"start":112.93,"end":153.18},{"sentences":[{"text":"But, obviously, rest, they did it that way.","start":153.18,"end":156.735,"sentiment":"neutral","sentiment_score":0.00912792095914483},{"text":"So I'd like to put those two together and potentially not in either one of those existing super funds and one that is better.","start":157.995,"end":169.25,"sentiment":"neutral","sentiment_score":-0.012025915862371525},{"text":"And I know nothing about that, so that's why I'm reaching out to you guys.","start":170.11,"end":174.13,"sentiment":"neutral","sentiment_score":-0.009130222847064336},{"text":"So, yeah, that's the first part.","start":178.91,"end":180.51,"sentiment":"neutral","sentiment_score":0.190771314005057},{"text":"And the second part is, yeah, I in my current job, I am kind of going backwards on finances being that my expenses are more than what my job pays, and I do have savings that I would like to be putting to possible investment properties or something like that can that can be earning me extra income.","start":180.51,"end":210.94,"sentiment":"neutral","sentiment_score":0.25607613063064116}],"sentiment":"neutral","sentiment_score":0.14094136490880907,"num_words":111,"start":153.18,"end":210.94},{"sentences":[{"text":"Oh, I sent that the other day.","start":227.63,"end":229.81,"sentiment":"neutral","sentiment_score":-0.021869230483259474},{"text":"Yes.","start":231.79001,"end":232.29001,"sentiment":"neutral","sentiment_score":0.007862037047743797},{"text":"Madison.","start":242.575,"end":243.075,"sentiment":"neutral","sentiment_score":-0.016944414004683495},{"text":"Yes.","start":269.025,"end":269.525,"sentiment":"neutral","sentiment_score":0.007046416401863098},{"text":"Uh-huh.","start":273.185,"end":273.26498,"sentiment":"neutral","sentiment_score":-0.05876046419143677}],"sentiment":"neutral","sentiment_score":-0.019443730739029972,"num_words":11,"start":227.63,"end":273.26498},{"sentences":[{"text":"Yep.","start":273.26498,"end":273.76498,"sentiment":"neutral","sentiment_score":0.05059127137064934},{"text":"Mhmm.","start":280.19,"end":280.69,"sentiment":"neutral","sentiment_score":0.08125277608633041},{"text":"Right.","start":309.61002,"end":310.11002,"sentiment":"neutral","sentiment_score":0.11656366288661955},{"text":"Yes.","start":338.78,"end":339.28,"sentiment":"neutral","sentiment_score":0.0752478539943695},{"text":"Right.","start":360.58502,"end":361.08502,"sentiment":"neutral","sentiment_score":-0.0661453902721405}],"sentiment":"neutral","sentiment_score":0.05150203481316566,"num_words":5,"start":273.26498,"end":361.08502},{"sentences":[{"text":"Yep.","start":375.11002,"end":375.61002,"sentiment":"neutral","sentiment_score":0.04653878137469292},{"text":"Yep.","start":401.28,"end":401.78,"sentiment":"neutral","sentiment_score":0.11592145264148712},{"text":"Yeah.","start":424.87,"end":425.19,"sentiment":"neutral","sentiment_score":0.03531870245933533},{"text":"Okay.","start":425.19,"end":425.69,"sentiment":"neutral","sentiment_score":0.04068292677402496},{"text":"Yes.","start":438.245,"end":438.745,"sentiment":"neutral","sentiment_score":0.20208215713500977}],"sentiment":"neutral","sentiment_score":0.08810880407691002,"num_words":5,"start":375.11002,"end":438.745},{"sentences":[{"text":"Yep.","start":450.7,"end":451.2,"sentiment":"neutral","sentiment_score":0.037188272923231125},{"text":"I don't really know.","start":464.005,"end":465.385,"sentiment":"neutral","sentiment_score":-0.14077341929078102},{"text":"That's kind of why I want your advice on which way is the best way to go for what I for my situation.","start":465.605,"end":473.065,"sentiment":"neutral","sentiment_score":0.015789267809494682},{"text":"Yeah.","start":515.88,"end":516.38,"sentiment":"neutral","sentiment_score":0.07037834823131561},{"text":"Okay.","start":529.775,"end":530.275,"sentiment":"neutral","sentiment_score":0.04488210380077362}],"sentiment":"neutral","sentiment_score":-0.001583059752980868,"num_words":30,"start":450.7,"end":530.275},{"sentences":[{"text":"I don't really know.","start":531.135,"end":532.435,"sentiment":"neutral","sentiment_score":-0.08126492239534855},{"text":"Yep.","start":536.47003,"end":536.97003,"sentiment":"neutral","sentiment_score":0.3275366723537445},{"text":"Yep.","start":548.695,"end":549.195,"sentiment":"neutral","sentiment_score":-0.07314116507768631},{"text":"Well, that's something I need to revisit and get a clearer picture on in the next few days is my was my plan for that.","start":554.135,"end":562.41,"sentiment":"neutral","sentiment_score":-0.1213805529475212},{"text":"Look.","start":563.83,"end":564.33,"sentiment":"neutral","sentiment_score":0.08271079510450363}],"sentiment":"neutral","sentiment_score":-0.09445210034027696,"num_words":32,"start":531.135,"end":564.33},{"sentences":[{"text":"Probably, if I just did the basics, it would cover things.","start":564.39,"end":570.17,"sentiment":"neutral","sentiment_score":0.140173193405975},{"text":"But my kids go to a private store.","start":571.64496,"end":573.805,"sentiment":"neutral","sentiment_score":-0.015170950442552567},{"text":"Those fees are paid for by their dad, but there's often things that come up, instruments, things like that.","start":573.805,"end":584.625,"sentiment":"neutral","sentiment_score":-0.020663535712580932},{"text":"If I wouldn't be including any, like, entertainment, birthdays, gifts, holidays, anything like that, it would be very basic in terms of what I actually cover.","start":585.005,"end":599.17004,"sentiment":"neutral","sentiment_score":-0.061459413765428156},{"text":"At the moment, I'm using, like, savings, that big chunk of money from the separation to kind of supplement that, but I don't wanna keep doing that for for a long time.","start":599.31,"end":614.945,"sentiment":"neutral","sentiment_score":-0.22634400171227753}],"sentiment":"neutral","sentiment_score":-0.08138565070112236,"num_words":96,"start":564.39,"end":614.945},{"sentences":[{"text":"And I do I am open to changing my job because it there's a number of reasons why that isn't working as well.","start":616.51996,"end":626.83997,"sentiment":"neutral","sentiment_score":-0.017685694215090378},{"text":"But, look, this is just the job that I found that would work me being a single mom last year and what I could work in with picking up and dropping off my kids from school without having to pay childcare fees and that kind of thing.","start":626.83997,"end":643.63495,"sentiment":"neutral","sentiment_score":0.10538129040852506},{"text":"Currently yeah.","start":644.67004,"end":647.07,"sentiment":"neutral","sentiment_score":-0.20647728443145752},{"text":"I'm currently at casual.","start":647.07,"end":648.37,"sentiment":"neutral","sentiment_score":-0.18642625957727432},{"text":"I wasn't.","start":648.51,"end":649.33,"sentiment":"neutral","sentiment_score":-0.23135896027088165}],"sentiment":"neutral","sentiment_score":0.03749707890435671,"num_words":78,"start":616.51996,"end":649.33},{"sentences":[{"text":"My boss changed that.","start":649.87,"end":651.25,"sentiment":"neutral","sentiment_score":-0.2802630588412285},{"text":"And then also, he made my position redundant.","start":651.95,"end":654.77,"sentiment":"neutral","sentiment_score":-0.29196724109351635},{"text":"And then now he's starting to cut back my hours a little bit, well, as he is with every casual employee at the moment because I'm in insurance industry, so things quietened down sort of between, like, June and October.","start":655.47003,"end":674.095,"sentiment":"neutral","sentiment_score":-0.227759050950408},{"text":"But I there's other reasons as well, but I can't really afford to be only working two days a week.","start":676.08997,"end":684.67,"sentiment":"negative","sentiment_score":-0.3663201190531254},{"text":"Yeah.","start":686.08997,"end":686.58997,"sentiment":"neutral","sentiment_score":-0.004720136523246765}],"sentiment":"neutral","sentiment_score":-0.27257910574952215,"num_words":73,"start":649.87,"end":686.58997},{"sentences":[{"text":"Yep.","start":687.29,"end":687.79,"sentiment":"neutral","sentiment_score":0.017410408705472946},{"text":"Not just yet.","start":693.095,"end":693.815,"sentiment":"neutral","sentiment_score":-0.07781810810168584},{"text":"This is only a recent development, but, yeah, I have just just realized that that's probably what I'm gonna have to do in the next little while.","start":693.815,"end":704.37,"sentiment":"neutral","sentiment_score":-0.08899143876300918},{"text":"Yep.","start":719.26495,"end":719.76495,"sentiment":"positive","sentiment_score":0.4415342211723328},{"text":"Yeah.","start":737.18005,"end":737.68005,"sentiment":"neutral","sentiment_score":0.04990207403898239}],"sentiment":"neutral","sentiment_score":-0.06446595354513689,"num_words":33,"start":687.29,"end":737.68005},{"sentences":[{"text":"Child support is paying for the school fees.","start":743.765,"end":746.745,"sentiment":"neutral","sentiment_score":0.008218572940677404},{"text":"Yeah.","start":749.125,"end":749.625,"sentiment":"neutral","sentiment_score":0.05405350774526596},{"text":"So, yeah, I don't get any Centrelink payment anymore because my partner moved in.","start":749.685,"end":769.17505,"sentiment":"neutral","sentiment_score":-0.1428126831139837},{"text":"Yep.","start":777.075,"end":777.575,"sentiment":"neutral","sentiment_score":0.008197780698537827},{"text":"Yep.","start":777.955,"end":778.455,"sentiment":"neutral","sentiment_score":0.00847025029361248}],"sentiment":"neutral","sentiment_score":-0.07451629765331745,"num_words":25,"start":743.765,"end":778.455},{"sentences":[{"text":"Yep.","start":784.67004,"end":785.17004,"sentiment":"neutral","sentiment_score":0.15032222867012024},{"text":"Correct.","start":791.15,"end":791.65,"sentiment":"neutral","sentiment_score":0.09902669489383698},{"text":"Plus Dave's two.","start":793.07,"end":794.37006,"sentiment":"neutral","sentiment_score":0.04016352196534475},{"text":"Plus Dave's two children.","start":796.265,"end":798.045,"sentiment":"neutral","sentiment_score":0.03425887506455183},{"text":"On and off.","start":802.745,"end":803.465,"sentiment":"neutral","sentiment_score":-0.025886148835221928}],"sentiment":"neutral","sentiment_score":0.03576804526771108,"num_words":12,"start":784.67004,"end":803.465},{"sentences":[{"text":"It's a bit of a revolving door.","start":803.465,"end":805.325,"sentiment":"neutral","sentiment_score":-0.030852714021291052},{"text":"They yeah.","start":806.585,"end":808.045,"sentiment":"neutral","sentiment_score":-0.011937329545617104},{"text":"They spend time with yeah.","start":810.91003,"end":813.23004,"sentiment":"neutral","sentiment_score":-0.048978712782263754},{"text":"And it's not very big, but it's it's good enough.","start":813.23004,"end":816.43005,"sentiment":"neutral","sentiment_score":-0.011774412728846073},{"text":"We have five bedrooms, so it it works.","start":816.43005,"end":819.33,"sentiment":"neutral","sentiment_score":0.06373235490173101}],"sentiment":"neutral","sentiment_score":-0.0028944534133188426,"num_words":32,"start":803.465,"end":819.33},{"sentences":[{"text":"And not everyone's here all at once.","start":819.79004,"end":822.14496,"sentiment":"neutral","sentiment_score":-0.05310952344111034},{"text":"So yeah.","start":822.285,"end":824.785,"sentiment":"neutral","sentiment_score":0.0329058738425374},{"text":"Mhmm.","start":834.365,"end":834.865,"sentiment":"neutral","sentiment_score":-0.00322334049269557},{"text":"Just recently.","start":846.14,"end":847.04004,"sentiment":"neutral","sentiment_score":-0.038814274594187737},{"text":"Yeah.","start":847.18,"end":847.68,"sentiment":"neutral","sentiment_score":-0.008838278241455555}],"sentiment":"neutral","sentiment_score":-0.030434237255786475,"num_words":13,"start":819.79004,"end":847.68},{"sentences":[{"text":"Yeah.","start":849.885,"end":850.385,"sentiment":"neutral","sentiment_score":-0.023789769038558006},{"text":"Well, it's only just this week that he asked me to do three days.","start":859.965,"end":863.585,"sentiment":"neutral","sentiment_score":-0.03545565011778048},{"text":"And so I'm doing it's still going to be about twenty four because I'll do eight hang on.","start":864.84503,"end":870.79004,"sentiment":"neutral","sentiment_score":0.0104077215720382},{"text":"Seven and a half hour days times three.","start":870.79004,"end":873.19,"sentiment":"neutral","sentiment_score":0.01631335075944662},{"text":"So twenty two and a half hours, I guess, this week.","start":873.19,"end":877.05005,"sentiment":"neutral","sentiment_score":0.01736765414137732}],"sentiment":"neutral","sentiment_score":-0.0002169015530783396,"num_words":52,"start":849.885,"end":877.05005},{"sentences":[{"text":"Yeah.","start":884.565,"end":884.885,"sentiment":"neutral","sentiment_score":-0.02479148656129837},{"text":"Because it might change back.","start":884.885,"end":886.40497,"sentiment":"neutral","sentiment_score":-0.08772652596235275},{"text":"At the moment, that is the average.","start":886.40497,"end":888.105,"sentiment":"neutral","sentiment_score":-0.04068081719534738},{"text":"Yeah.","start":900.48,"end":900.72003,"sentiment":"neutral","sentiment_score":0.01737728714942932},{"text":"That would have been the last financial year, I think.","start":900.72003,"end":905.745,"sentiment":"neutral","sentiment_score":-0.036038322001695634}],"sentiment":"neutral","sentiment_score":-0.0454664904003342,"num_words":24,"start":884.565,"end":905.745},{"sentences":[{"text":"Or maybe I've looked at a pay slip and that's what yeah.","start":905.745,"end":910.065,"sentiment":"neutral","sentiment_score":-0.03295856900513172},{"text":"Yeah.","start":910.065,"end":910.565,"sentiment":"neutral","sentiment_score":0.037152498960494995},{"text":"That would be right.","start":910.705,"end":911.585,"sentiment":"neutral","sentiment_score":0.06172198895365},{"text":"From the from the financial year that just ended.","start":911.585,"end":914.165,"sentiment":"neutral","sentiment_score":-0.019504395003120106},{"text":"Yeah.","start":923.12,"end":923.36,"sentiment":"neutral","sentiment_score":0.01712939888238907}],"sentiment":"neutral","sentiment_score":-0.009995278867858427,"num_words":27,"start":905.745,"end":923.36},{"sentences":[{"text":"I think that was Dave's estimate.","start":923.36,"end":924.82,"sentiment":"neutral","sentiment_score":0.017395525239408016},{"text":"Yep.","start":924.88,"end":925.38,"sentiment":"neutral","sentiment_score":0.04140829294919968},{"text":"Mhmm.","start":934.0,"end":934.5,"sentiment":"neutral","sentiment_score":0.03305889293551445},{"text":"Yep.","start":937.355,"end":937.855,"sentiment":"neutral","sentiment_score":0.061257317662239075},{"text":"Yep.","start":941.995,"end":942.495,"sentiment":"neutral","sentiment_score":0.07256178557872772}],"sentiment":"neutral","sentiment_score":0.0312659440562129,"num_words":10,"start":923.36,"end":942.495},{"sentences":[{"text":"I'd probably be comfortable with a 150.","start":950.60004,"end":953.42004,"sentiment":"neutral","sentiment_score":0.08778930349009377},{"text":"Yeah.","start":958.2,"end":958.7,"sentiment":"neutral","sentiment_score":0.21054485440254211},{"text":"What's TPD?","start":987.5,"end":988.48004,"sentiment":"neutral","sentiment_score":-0.08199375867843628},{"text":"Okay.","start":1011.13,"end":1011.63,"sentiment":"neutral","sentiment_score":-0.037398822605609894},{"text":"I'm interested to know about those options and how much it changes anything to include them.","start":1013.05,"end":1021.79004,"sentiment":"neutral","sentiment_score":0.03249063657131046}],"sentiment":"neutral","sentiment_score":0.04235310459302531,"num_words":27,"start":950.60004,"end":1021.79004},{"sentences":[{"text":"Yep.","start":1026.895,"end":1027.395,"sentiment":"neutral","sentiment_score":-0.13011740148067474},{"text":"That's okay.","start":1028.335,"end":1029.155,"sentiment":"neutral","sentiment_score":0.19075851887464523},{"text":"Possibly.","start":1055.125,"end":1055.625,"sentiment":"neutral","sentiment_score":-0.11640767753124236},{"text":"But we're nowhere near actioning any of that.","start":1055.9249,"end":1060.245,"sentiment":"neutral","sentiment_score":-0.2136965300887823},{"text":"But, yes, possibly.","start":1060.245,"end":1061.225,"sentiment":"neutral","sentiment_score":-0.07274167239665985}],"sentiment":"neutral","sentiment_score":-0.11952035327752432,"num_words":15,"start":1026.895,"end":1061.225},{"sentences":[{"text":"Probably within five years.","start":1069.35,"end":1070.97,"sentiment":"neutral","sentiment_score":-0.15240196511149406},{"text":"Yeah.","start":1072.63,"end":1073.13,"sentiment":"neutral","sentiment_score":-0.02954743802547455},{"text":"Yep.","start":1092.87,"end":1093.37,"sentiment":"neutral","sentiment_score":0.007682289928197861},{"text":"Yep.","start":1102.71,"end":1103.21,"sentiment":"neutral","sentiment_score":-0.26482731103897095},{"text":"Not correct.","start":1103.35,"end":1104.07,"sentiment":"negative","sentiment_score":-0.3358951210975647}],"sentiment":"neutral","sentiment_score":-0.17423228464192814,"num_words":9,"start":1069.35,"end":1104.07},{"sentences":[{"text":"Yep.","start":1104.07,"end":1104.57,"sentiment":"neutral","sentiment_score":0.02094943635165691},{"text":"Right.","start":1119.745,"end":1120.145,"sentiment":"neutral","sentiment_score":0.06141427904367447},{"text":"Okay.","start":1120.145,"end":1120.545,"sentiment":"neutral","sentiment_score":0.04885376617312431},{"text":"Yep.","start":1120.545,"end":1121.045,"sentiment":"neutral","sentiment_score":0.03260599076747894},{"text":"I reckon it's going to be at least I'd say between 800,000 and 1.1 or 1.2 maybe.","start":1135.425,"end":1146.9651,"sentiment":"neutral","sentiment_score":0.009875503279652227}],"sentiment":"neutral","sentiment_score":0.01579557276619155,"num_words":21,"start":1104.07,"end":1146.9651},{"sentences":[{"text":"I have not thought about this.","start":1175.58,"end":1181.2,"sentiment":"neutral","sentiment_score":-0.2887062107523282},{"text":"But so does that mean, like, you know, a couple years in if I died, then and he owns half the house.","start":1181.26,"end":1194.8151,"sentiment":"neutral","sentiment_score":-0.1453844393518838},{"text":"And if I opt for it to go to the kids, that would maybe leave him in a state of having to sell the house because he can't afford to buy the others.","start":1194.8151,"end":1207.68,"sentiment":"negative","sentiment_score":-0.389874580457355},{"text":"Well, how does that work?","start":1207.74,"end":1208.96,"sentiment":"neutral","sentiment_score":0.03384551629424095},{"text":"Mhmm.","start":1218.06,"end":1218.56,"sentiment":"neutral","sentiment_score":0.00744965672492981}],"sentiment":"neutral","sentiment_score":-0.2629832663754029,"num_words":67,"start":1175.58,"end":1218.56},{"sentences":[{"text":"Right.","start":1234.99,"end":1235.49,"sentiment":"neutral","sentiment_score":0.08394399285316467},{"text":"Yep.","start":1252.535,"end":1253.035,"sentiment":"neutral","sentiment_score":0.007099643349647522},{"text":"Okay.","start":1266.65,"end":1267.15,"sentiment":"neutral","sentiment_score":0.1076844185590744},{"text":"Yep.","start":1273.645,"end":1274.145,"sentiment":"neutral","sentiment_score":0.18959330022335052},{"text":"Yep.","start":1285.325,"end":1285.8,"sentiment":"neutral","sentiment_score":0.15071502327919006}],"sentiment":"neutral","sentiment_score":0.10780727565288543,"num_words":5,"start":1234.99,"end":1285.8},{"sentences":[{"text":"Good question.","start":1321.61,"end":1322.27,"sentiment":"neutral","sentiment_score":0.08962566405534744},{"text":"Probably probably goes for the income one rather than I know you can do things like have the lump sum available only when they turn a certain age or that kind of thing, can't you?","start":1324.41,"end":1338.095,"sentiment":"neutral","sentiment_score":0.027832367856587683},{"text":"Alright.","start":1377.39,"end":1377.79,"sentiment":"neutral","sentiment_score":0.03257090970873833},{"text":"Until they turn that age.","start":1377.79,"end":1379.49,"sentiment":"neutral","sentiment_score":-0.023711398243904114},{"text":"Okay.","start":1386.275,"end":1386.755,"sentiment":"neutral","sentiment_score":0.040350329130887985}],"sentiment":"neutral","sentiment_score":0.025176101152531126,"num_words":44,"start":1321.61,"end":1386.755},{"sentences":[{"text":"And the reason you need to know these things now is why?","start":1386.755,"end":1391.255,"sentiment":"neutral","sentiment_score":-0.018068382516503334},{"text":"Yeah.","start":1437.85,"end":1438.25,"sentiment":"neutral","sentiment_score":0.0036045871675014496},{"text":"Okay.","start":1438.25,"end":1438.75,"sentiment":"neutral","sentiment_score":-0.004718288779258728},{"text":"Yep.","start":1439.5299,"end":1440.0299,"sentiment":"neutral","sentiment_score":-0.01174435019493103},{"text":"Yeah.","start":1448.245,"end":1448.725,"sentiment":"neutral","sentiment_score":-0.006339836865663528}],"sentiment":"neutral","sentiment_score":-0.01475115492939949,"num_words":16,"start":1386.755,"end":1448.725},{"sentences":[{"text":"Okay.","start":1448.725,"end":1449.225,"sentiment":"neutral","sentiment_score":-0.0040222033858299255},{"text":"Well, in in that circumstance, then, yeah, I probably wouldn't want it locked away if they're needing to be if they're needing funds to be cared for.","start":1449.2849,"end":1460.2899,"sentiment":"neutral","sentiment_score":-0.10558732757689776},{"text":"Out of the money that I have?","start":1478.145,"end":1479.765,"sentiment":"neutral","sentiment_score":-0.09539880550333432},{"text":"As in, like, percentages?","start":1487.9299,"end":1489.07,"sentiment":"neutral","sentiment_score":-0.036679115146398544},{"text":"I have no idea what's even what's even possible.","start":1494.33,"end":1497.71,"sentiment":"neutral","sentiment_score":-0.0700450369881259}],"sentiment":"neutral","sentiment_score":-0.08957903083258618,"num_words":48,"start":1448.725,"end":1497.71},{"sentences":[{"text":"What?","start":1500.005,"end":1500.505,"sentiment":"neutral","sentiment_score":-0.008337321691215038},{"text":"Yeah.","start":1502.6449,"end":1502.965,"sentiment":"neutral","sentiment_score":-0.008111020550131798},{"text":"What's what's usual?","start":1502.965,"end":1504.505,"sentiment":"neutral","sentiment_score":-0.034607917070388794},{"text":"What's Okay.","start":1504.6449,"end":1549.87,"sentiment":"neutral","sentiment_score":0.06283364538103342},{"text":"So an amount that this is gonna help you determine.","start":1550.49,"end":1556.27,"sentiment":"neutral","sentiment_score":0.14072762206196784}],"sentiment":"neutral","sentiment_score":0.08309831870171953,"num_words":17,"start":1500.005,"end":1556.27},{"sentences":[{"text":"Yeah.","start":1566.165,"end":1566.245,"sentiment":"neutral","sentiment_score":-0.058692023158073425},{"text":"Oh, it's just really hard for me because I've just it's just nothing.","start":1566.245,"end":1569.385,"sentiment":"negative","sentiment_score":-0.42161001150424665},{"text":"Like, it's so foreign that I have not even thought about.","start":1569.605,"end":1573.41,"sentiment":"negative","sentiment_score":-0.3808334225958044},{"text":"And, like, you don't know how you don't know how far away this is and how much things are gonna cost.","start":1574.51,"end":1580.93,"sentiment":"neutral","sentiment_score":-0.20128212159588224},{"text":"Mhmm.","start":1660.19,"end":1660.69,"sentiment":"neutral","sentiment_score":0.15422549843788147}],"sentiment":"neutral","sentiment_score":-0.29364869949665473,"num_words":47,"start":1566.165,"end":1660.69},{"sentences":[{"text":"Yeah.","start":1664.775,"end":1665.275,"sentiment":"neutral","sentiment_score":0.18003764748573303},{"text":"Yep.","start":1665.3351,"end":1665.655,"sentiment":"neutral","sentiment_score":0.20801381766796112},{"text":"I think so.","start":1665.655,"end":1666.635,"sentiment":"neutral","sentiment_score":0.24273968736330667},{"text":"That might be better for me to get an idea, and then I can ask questions from there as to how to tweak it a 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months.","start":1774.255,"end":1777.555,"sentiment":"neutral","sentiment_score":0.07794058695435524}],"sentiment":"neutral","sentiment_score":0.0723970366739913,"num_words":19,"start":1740.59,"end":1777.555},{"sentences":[{"text":"Yep.","start":1792.11,"end":1792.61,"sentiment":"neutral","sentiment_score":0.033837296068668365},{"text":"Yeah.","start":1834.595,"end":1835.095,"sentiment":"neutral","sentiment_score":-0.10465949773788452},{"text":"Yep.","start":1850.46,"end":1850.96,"sentiment":"neutral","sentiment_score":-0.1947311609983444},{"text":"Yep.","start":1859.26,"end":1859.76,"sentiment":"neutral","sentiment_score":-0.13404928147792816},{"text":"Yep.","start":1879.385,"end":1879.7051,"sentiment":"neutral","sentiment_score":0.01754940114915371}],"sentiment":"neutral","sentiment_score":-0.07641064859926701,"num_words":5,"start":1792.11,"end":1879.7051},{"sentences":[{"text":"Okay.","start":1879.7051,"end":1880.2051,"sentiment":"neutral","sentiment_score":0.008350037038326263},{"text":"Yep.","start":1880.76,"end":1881.26,"sentiment":"neutral","sentiment_score":0.04670637845993042},{"text":"Yep.","start":1896.335,"end":1896.835,"sentiment":"neutral","sentiment_score":-0.2343672960996628},{"text":"Yep.","start":1910.24,"end":1910.64,"sentiment":"neutral","sentiment_score":0.016380902379751205},{"text":"That's 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was one there that said novice, and then there was one after it.","start":2110.96,"end":2115.985,"sentiment":"neutral","sentiment_score":-0.1333487704396248},{"text":"What was the one after it?","start":2115.985,"end":2117.365,"sentiment":"neutral","sentiment_score":-0.08018010358015697},{"text":"No.","start":2126.785,"end":2127.025,"sentiment":"neutral","sentiment_score":-0.22134454548358917},{"text":"I was just saying novice.","start":2127.025,"end":2128.325,"sentiment":"neutral","sentiment_score":-0.1347161278128624}],"sentiment":"neutral","sentiment_score":-0.12837734790863814,"num_words":27,"start":2110.72,"end":2128.325},{"sentences":[{"text":"Okay.","start":2143.9749,"end":2144.2148,"sentiment":"neutral","sentiment_score":0.02225836366415024},{"text":"What was the question again?","start":2144.2148,"end":2145.655,"sentiment":"neutral","sentiment_score":0.015094210207462311},{"text":"What is the most Investment 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worry?","start":2268.49,"end":2269.61,"sentiment":"neutral","sentiment_score":-0.2419838547706604}],"sentiment":"neutral","sentiment_score":-0.17079556236664453,"num_words":9,"start":2206.105,"end":2269.61},{"sentences":[{"text":"Up to 25%.","start":2269.61,"end":2271.07,"sentiment":"neutral","sentiment_score":-0.08450312415758769},{"text":"Mhmm.","start":2290.875,"end":2291.375,"sentiment":"neutral","sentiment_score":-0.08157593011856079},{"text":"After six months, probably just holding right.","start":2308.24,"end":2310.735,"sentiment":"neutral","sentiment_score":-0.180263129728181},{"text":"Sorry.","start":2327.88,"end":2328.2,"sentiment":"neutral","sentiment_score":-0.04800202697515488},{"text":"Say question again?","start":2328.2,"end":2329.3398,"sentiment":"neutral","sentiment_score":-0.034457789113124214}],"sentiment":"neutral","sentiment_score":-0.1165535070002079,"num_words":15,"start":2269.61,"end":2329.3398},{"sentences":[{"text":"Well, I spoke to Dave and mine is at seven, and he said that's not that good.","start":2348.2349,"end":2351.915,"sentiment":"negative","sentiment_score":-0.4797477336490856},{"text":"So based on that, I I would say over eight, but I really don't know.","start":2351.915,"end":2358.25,"sentiment":"neutral","sentiment_score":-0.17664415538311004},{"text":"Yeah.","start":2366.7102,"end":2367.195,"sentiment":"neutral","sentiment_score":-0.028130237013101574},{"text":"Yeah.","start":2393.04,"end":2393.54,"sentiment":"neutral","sentiment_score":-0.02376006171107292},{"text":"I think it said I think it said something like an average of seven point something over a 10 period.","start":2393.805,"end":2400.545,"sentiment":"neutral","sentiment_score":-0.10058768186718225}],"sentiment":"neutral","sentiment_score":-0.2383151433120171,"num_words":54,"start":2348.2349,"end":2400.545},{"sentences":[{"text":"Yes.","start":2404.605,"end":2405.105,"sentiment":"neutral","sentiment_score":-0.08478287607431412},{"text":"To be completely honest with you, I don't know if it's ever dropped.","start":2435.71,"end":2439.97,"sentiment":"neutral","sentiment_score":-0.30957385439139146},{"text":"Well, like, it depends how how long I forget what you said in the question, how long it's been and how long I've got to go, that kind of thing.","start":2455.235,"end":2464.595,"sentiment":"neutral","sentiment_score":-0.05458789275338252},{"text":"But, generally, I'm not gonna get worried over a short term kind of change.","start":2464.595,"end":2471.71,"sentiment":"neutral","sentiment_score":-0.062281587294169834},{"text":"If it was, like, you know, like, fifteen years or something of it not picking back up again, then, yeah, I'd be pretty concerned in wanting to change it.","start":2472.3298,"end":2482.015,"sentiment":"neutral","sentiment_score":-0.1623372826082953}],"sentiment":"neutral","sentiment_score":-0.13019084118991747,"num_words":87,"start":2404.605,"end":2482.015},{"sentences":[{"text":"But I I am aware that things fluctuate, so I'm not going to act quickly on things that go up and down a little bit.","start":2482.955,"end":2492.51,"sentiment":"neutral","sentiment_score":-0.27799818217754363},{"text":"Exactly.","start":2497.53,"end":2498.03,"sentiment":"neutral","sentiment_score":-0.2033944725990295},{"text":"Moderate risk.","start":2522.69,"end":2523.75,"sentiment":"neutral","sentiment_score":-0.030958378687500954},{"text":"Mhmm.","start":2554.95,"end":2555.45,"sentiment":"neutral","sentiment_score":0.005072568543255329},{"text":"Compared to what?","start":2601.8352,"end":2602.715,"sentiment":"neutral","sentiment_score":-0.03286785508195559}],"sentiment":"neutral","sentiment_score":-0.22839989940985106,"num_words":32,"start":2482.955,"end":2602.715},{"sentences":[{"text":"Sorry.","start":2602.715,"end":2603.215,"sentiment":"neutral","sentiment_score":-0.07851089537143707},{"text":"Yeah.","start":2611.88,"end":2612.38,"sentiment":"neutral","sentiment_score":0.00499565526843071},{"text":"Uh-huh.","start":2616.52,"end":2617.02,"sentiment":"neutral","sentiment_score":-0.033573705703020096},{"text":"Yeah.","start":2621.355,"end":2621.855,"sentiment":"neutral","sentiment_score":0.019224828109145164},{"text":"So where does the income come into super?","start":2664.76,"end":2668.4602,"sentiment":"neutral","sentiment_score":-0.014126975554972887}],"sentiment":"neutral","sentiment_score":-0.0167399935113887,"num_words":12,"start":2602.715,"end":2668.4602},{"sentences":[{"text":"Is that money you can access?","start":2669.1602,"end":2671.1,"sentiment":"neutral","sentiment_score":-0.024137033770481747},{"text":"Yeah.","start":2681.385,"end":2681.885,"sentiment":"neutral","sentiment_score":0.012174997478723526},{"text":"Yeah.","start":2684.345,"end":2684.845,"sentiment":"neutral","sentiment_score":0.03127128258347511},{"text":"Uh-huh.","start":2713.305,"end":2713.805,"sentiment":"neutral","sentiment_score":0.03856648877263069},{"text":"Yep.","start":2723.46,"end":2723.96,"sentiment":"neutral","sentiment_score":0.09617356956005096}],"sentiment":"neutral","sentiment_score":0.003336413577198982,"num_words":10,"start":2669.1602,"end":2723.96},{"sentences":[{"text":"Okay.","start":2731.2825,"end":2731.7825,"sentiment":"neutral","sentiment_score":0.09127354621887208},{"text":"Yeah.","start":2746.385,"end":2746.885,"sentiment":"neutral","sentiment_score":0.02590432390570641},{"text":"Yeah.","start":2766.54,"end":2767.04,"sentiment":"neutral","sentiment_score":0.04364974796772003},{"text":"My feeling is the gross one.","start":2776.4248,"end":2778.285,"sentiment":"neutral","sentiment_score":0.0024813469499349594},{"text":"I have no idea what's the better.","start":2802.395,"end":2804.7349,"sentiment":"neutral","sentiment_score":-0.2757275572844914}],"sentiment":"neutral","sentiment_score":-0.10964857507497072,"num_words":16,"start":2731.2825,"end":2804.7349},{"sentences":[{"text":"Either one of those sounds good to me, but I does it mean that one is like, if you've got some income coming in, does that mean the growth isn't as big?","start":2805.115,"end":2815.45,"sentiment":"neutral","sentiment_score":-0.0941552973818034},{"text":"Okay.","start":2817.75,"end":2818.23,"sentiment":"neutral","sentiment_score":0.02215839736163616},{"text":"So minimal income, the one that says that, but still mostly growth.","start":2818.23,"end":2823.13,"sentiment":"neutral","sentiment_score":0.02464641227076451},{"text":"Yeah.","start":2836.4648,"end":2836.9648,"sentiment":"neutral","sentiment_score":0.016186026856303215},{"text":"Never thought about it with Shiv.","start":2844.05,"end":2845.73,"sentiment":"neutral","sentiment_score":-0.07633911942442258}],"sentiment":"neutral","sentiment_score":-0.06032505502494482,"num_words":52,"start":2805.115,"end":2845.73},{"sentences":[{"text":"No.","start":2845.73,"end":2846.23,"sentiment":"neutral","sentiment_score":-0.04962094873189926},{"text":"Okay.","start":2878.575,"end":2879.055,"sentiment":"neutral","sentiment_score":-0.01951122283935547},{"text":"I might just explain to you very quickly the situation, and that might explain my answer.","start":2879.055,"end":2884.415,"sentiment":"neutral","sentiment_score":-0.01575953490100801},{"text":"But at the time, my ex husband and I already owned the property.","start":2884.415,"end":2891.155,"sentiment":"neutral","sentiment_score":-0.03068543841632513},{"text":"Oh, well, we're paying it off.","start":2891.9302,"end":2893.7102,"sentiment":"neutral","sentiment_score":0.011471742143233618}],"sentiment":"neutral","sentiment_score":-0.017604458825411024,"num_words":37,"start":2845.73,"end":2893.7102},{"sentences":[{"text":"And this idea came from someone that he met, and then it was, like, a broker who finds the investment property for you and basically does the leg work, and you just invest in it.","start":2894.7302,"end":2910.025,"sentiment":"neutral","sentiment_score":0.06150570118001529},{"text":"For some reason, I had a lot of gut instinct telling me it wasn't a good idea.","start":2910.725,"end":2915.545,"sentiment":"negative","sentiment_score":-0.3768642233575092},{"text":"I tried to put it off and put it off.","start":2916.805,"end":2918.905,"sentiment":"neutral","sentiment_score":-0.2514572687447071},{"text":"Although, I do like the idea of having an investment property, and we had done that before because we turned our home that we were living in when we moved to another home.","start":2919.29,"end":2930.3499,"sentiment":"neutral","sentiment_score":0.24705852116599228},{"text":"We we turned that original one into an investment property and rented it out.","start":2930.89,"end":2934.915,"sentiment":"neutral","sentiment_score":0.1739724406174251}],"sentiment":"neutral","sentiment_score":0.03504569196236243,"num_words":109,"start":2894.7302,"end":2934.915},{"sentences":[{"text":"And that didn't go well at all because of the way it was set up.","start":2936.435,"end":2940.855,"sentiment":"neutral","sentiment_score":-0.2712445760766665},{"text":"We ended up not knowing that we had to pay a whole lot more in repayments because of the way it was set up.","start":2942.595,"end":2949.82,"sentiment":"negative","sentiment_score":-0.450596459209919},{"text":"So that caused us probably a whole year of financial pain while I was at home with small children.","start":2950.04,"end":2960.3,"sentiment":"negative","sentiment_score":-0.43497534253095327},{"text":"And maybe that's what caused me to be really quite anxious about the second one, but I just did not have a good feeling about it.","start":2961.4448,"end":2968.665,"sentiment":"negative","sentiment_score":-0.4092637776182248},{"text":"And then body corporate fees became an issue.","start":2968.9648,"end":2973.385,"sentiment":"negative","sentiment_score":-0.34810076653957367}],"sentiment":"negative","sentiment_score":-0.39753456000724563,"num_words":92,"start":2936.435,"end":2973.385},{"sentences":[{"text":"We end up selling that in the second investment property.","start":2973.685,"end":2976.97,"sentiment":"neutral","sentiment_score":-0.12342801764607429},{"text":"It was a unit not long after, maybe six to twelve months.","start":2977.47,"end":2982.89,"sentiment":"neutral","sentiment_score":-0.04440357116982341},{"text":"Maybe a bit about twelve months after we bought it.","start":2983.99,"end":2986.79,"sentiment":"neutral","sentiment_score":-0.030742955580353736},{"text":"Luckily, it had grown enough to to cover the capital gains, I think it was, that we had to so we didn't actually come out at a loss.","start":2986.79,"end":2997.635,"sentiment":"neutral","sentiment_score":0.16910538689366408},{"text":"But yeah.","start":2999.135,"end":2999.615,"sentiment":"neutral","sentiment_score":-0.05023569241166115}],"sentiment":"neutral","sentiment_score":0.04128914293382437,"num_words":62,"start":2973.685,"end":2999.615},{"sentences":[{"text":"So there's the circumstances where I would probably be hesitant, but at the same time, that was a very different time for me and was was a different partner.","start":2999.615,"end":3010.7102,"sentiment":"neutral","sentiment_score":-0.1523585959241308},{"text":"I didn't I really didn't trust now that I look back, I didn't trust him, and I didn't trust his decision making and research processes.","start":3011.57,"end":3020.305,"sentiment":"neutral","sentiment_score":-0.30540598392486573},{"text":"Whereas with Dave, I'm it's completely different.","start":3020.365,"end":3023.885,"sentiment":"neutral","sentiment_score":-0.1103984745485442},{"text":"So I know that he's looked a lot into it.","start":3023.885,"end":3026.385,"sentiment":"neutral","sentiment_score":-0.09479157999157906},{"text":"He's he's actually learning how to be a trader on the stock market now.","start":3026.4448,"end":3032.68,"sentiment":"neutral","sentiment_score":-0.057182516370500834}],"sentiment":"neutral","sentiment_score":-0.17146834389251822,"num_words":85,"start":2999.615,"end":3032.68},{"sentences":[{"text":"He makes very careful decisions.","start":3032.74,"end":3034.52,"sentiment":"neutral","sentiment_score":-0.059072546660900116},{"text":"He's good with his money, so it would be a different situation now.","start":3034.74,"end":3040.28,"sentiment":"neutral","sentiment_score":-0.06902918104942028},{"text":"So yeah.","start":3041.46,"end":3056.025,"sentiment":"neutral","sentiment_score":0.016192255541682243},{"text":"Were they two options?","start":3056.025,"end":3057.2449,"sentiment":"neutral","sentiment_score":-0.05974631942808628},{"text":"Yep.","start":3066.15,"end":3066.65,"sentiment":"neutral","sentiment_score":0.030237305909395214}],"sentiment":"neutral","sentiment_score":-0.05476422190666199,"num_words":25,"start":3032.74,"end":3066.65},{"sentences":[{"text":"It's somewhere between the second one and the third one.","start":3093.24,"end":3096.3,"sentiment":"neutral","sentiment_score":-0.05955195501446724},{"text":"Somewhat comfortable, but also cautious.","start":3096.9202,"end":3098.94,"sentiment":"neutral","sentiment_score":-0.006100889295339584},{"text":"They're very close.","start":3120.52,"end":3121.5,"sentiment":"neutral","sentiment_score":-0.09378616015116374},{"text":"Yeah.","start":3121.8801,"end":3122.3801,"sentiment":"neutral","sentiment_score":0.036682210862636566},{"text":"Somewhat comfortable.","start":3126.84,"end":3127.9001,"sentiment":"neutral","sentiment_score":0.05625617690384388}],"sentiment":"neutral","sentiment_score":-0.03610418630497796,"num_words":21,"start":3093.24,"end":3127.9001},{"sentences":[{"text":"Is it somewhat comfortable cautious of the risks?","start":3128.04,"end":3130.4602,"sentiment":"neutral","sentiment_score":0.0005941172130405903},{"text":"Yeah.","start":3134.575,"end":3135.075,"sentiment":"neutral","sentiment_score":0.04788439720869064},{"text":"Probably that one.","start":3135.135,"end":3136.435,"sentiment":"neutral","sentiment_score":0.051605203499396644},{"text":"Okay.","start":3153.46,"end":3153.96,"sentiment":"neutral","sentiment_score":0.1713712215423584},{"text":"Yep.","start":3163.775,"end":3164.275,"sentiment":"neutral","sentiment_score":0.08549642562866211}],"sentiment":"neutral","sentiment_score":0.03316575661301613,"num_words":14,"start":3128.04,"end":3164.275},{"sentences":[{"text":"Yep.","start":3171.8,"end":3172.3,"sentiment":"neutral","sentiment_score":0.11353164166212082},{"text":"Thank you.","start":3213.81,"end":3214.55,"sentiment":"neutral","sentiment_score":0.10580449551343918},{"text":"Okay.","start":3227.135,"end":3227.635,"sentiment":"neutral","sentiment_score":-0.042329341173172},{"text":"Mhmm.","start":3265.26,"end":3265.76,"sentiment":"neutral","sentiment_score":0.1420469731092453},{"text":"Right.","start":3319.625,"end":3320.125,"sentiment":"neutral","sentiment_score":0.17077985405921936}],"sentiment":"neutral","sentiment_score":0.0992730197807153,"num_words":6,"start":3171.8,"end":3320.125},{"sentences":[{"text":"Yep.","start":3333.46,"end":3333.885,"sentiment":"neutral","sentiment_score":0.18390624225139615},{"text":"Absolutely.","start":3334.285,"end":3334.785,"sentiment":"neutral","sentiment_score":0.25129711627960205},{"text":"Yep.","start":3345.165,"end":3345.665,"sentiment":"neutral","sentiment_score":0.32281777262687683},{"text":"Okay.","start":3387.8,"end":3388.3,"sentiment":"neutral","sentiment_score":0.11401043832302094},{"text":"Alright.","start":3394.9949,"end":3395.4949,"sentiment":"neutral","sentiment_score":0.10764819383621216}],"sentiment":"neutral","sentiment_score":0.19593595266342162,"num_words":5,"start":3333.46,"end":3395.4949},{"sentences":[{"text":"I think I'm gonna need some time to digest.","start":3396.515,"end":3398.6948,"sentiment":"neutral","sentiment_score":-0.006622690293524001},{"text":"Is there a way you can send me an email about what we've talked about?","start":3399.315,"end":3403.015,"sentiment":"neutral","sentiment_score":0.08289133583505949},{"text":"Yep.","start":3425.7449,"end":3426.2449,"sentiment":"neutral","sentiment_score":0.19997966289520264},{"text":"Yep.","start":3458.2551,"end":3458.7551,"sentiment":"neutral","sentiment_score":0.005046130623668432},{"text":"Yep.","start":3461.77,"end":3462.27,"sentiment":"neutral","sentiment_score":0.01737263984978199}],"sentiment":"neutral","sentiment_score":0.05208015771306775,"num_words":27,"start":3396.515,"end":3462.27},{"sentences":[{"text":"Yep.","start":3465.8499,"end":3466.3499,"sentiment":"neutral","sentiment_score":-0.00686402153223753},{"text":"Yep.","start":3468.5698,"end":3469.0698,"sentiment":"neutral","sentiment_score":0.06842176616191864},{"text":"Okay.","start":3484.945,"end":3485.445,"sentiment":"positive","sentiment_score":0.35880032181739807},{"text":"Perfect.","start":3485.8252,"end":3486.3252,"sentiment":"positive","sentiment_score":0.719122588634491},{"text":"Thank you so much.","start":3487.32,"end":3494.4602,"sentiment":"positive","sentiment_score":0.6488574743270874}],"sentiment":"positive","sentiment_score":0.46686381904873997,"num_words":8,"start":3465.8499,"end":3494.4602},{"sentences":[{"text":"Okay.","start":3495.24,"end":3495.74,"sentiment":"neutral","sentiment_score":0.2770974934101105},{"text":"Thanks, Jenna.","start":3495.9602,"end":3496.9402,"sentiment":"positive","sentiment_score":0.5329819470643997},{"text":"No problem.","start":3499.32,"end":3499.98,"sentiment":"positive","sentiment_score":0.4621275067329407},{"text":"Bye.","start":3500.2002,"end":3500.7002,"sentiment":"neutral","sentiment_score":0.32607924938201904}],"sentiment":"positive","sentiment_score":0.4322326083978017,"num_words":6,"start":3495.24,"end":3500.7002}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Holly speaking.\n\nChannel 0: Hi, Holly. This is Jenna Phoning from Oakview Financial. How are you today?\n\nChannel 1: Good. Thank you, Jenna. How are you?\n\nChannel 0: I'm very well. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. Sure.\n\nChannel 0: Wonderful. And, Holly, I just need to ask you to please confirm your full name,\n\nChannel 1: My full name is probably Nellie Smith.\n\nChannel 0: date\n\nChannel 1: My date\n\nChannel 0: of\n\nChannel 1: of birth is twenty seventh of the third\n\nChannel 0: birth,\n\nChannel 1: 1986. Did you\n\nChannel 0: and\n\nChannel 1: say address for the third one?\n\nChannel 0: address. Yes, please.\n\nChannel 1: 16 O Golden Road, Avenue Park.\n\nChannel 0: Wonderful. Thank you for that. I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives. Do you have time for that today?\n\nChannel 1: Yes.\n\nChannel 0: Wonderful. Alright. Thank you, Holly. What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds. One from a settlement through your separation with your ex partner.\n\nChannel 1: Yes.\n\nChannel 0: Mhmm. And you have some money from your settlement that you want to invest. So\n\nChannel 1: Yes.\n\nChannel 0: in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you\n\nChannel 1: Okay. Yeah. That's all correct that you said. I have only about 15,000\n\nChannel 0: directly.\n\nChannel 1: dollars of my own super in what became a Australian retirement trust. And then when the separation happened last year I separated in January. The separation of assets and finances only was completed about December last year, and they automatically set up another rest super fund\n\nChannel 0: Yep.\n\nChannel 1: for me, which I don't really know how that works. But, obviously, rest, they did it that way.\n\nChannel 0: Okay.\n\nChannel 1: So I'd like to put those two together and potentially not in either one of those existing super funds\n\nChannel 0: Yep.\n\nChannel 1: and one that is better. And\n\nChannel 0: Yes.\n\nChannel 1: I know\n\nChannel 0: Yep.\n\nChannel 1: nothing about that, so that's why I'm reaching out to you guys.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: So, yeah, that's the first part. And the second part is, yeah, I in my current job, I am kind of going backwards on finances being that my expenses are more than what my job pays, and I do have savings that I would like to be putting to possible investment properties or something like that can that can be earning me extra income.\n\nChannel 0: Okay. Alright. So alright. Couple of things here that I'm just gonna break down a bit further with you. We still haven't received through the fund information from rest, which we're waiting on.\n\nChannel 1: Oh,\n\nChannel 0: Do you know\n\nChannel 1: I sent that the other day.\n\nChannel 0: oh, you did?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Maybe it hasn't been updated on my end. Let me have a quick squeeze through the folder. I'm going to\n\nChannel 1: Madison.\n\nChannel 0: yeah. Okay. Alright. She may not have just updated my sheet for me. That's okay.\n\nI can get it from Maddie post the meeting, so that's fine. So what I'm gonna do is I'm gonna explain different type of superannuation funds. This may give you it's it's I'm gonna keep it really simple\n\nChannel 1: Yes.\n\nChannel 0: because I I feel like too much information overwhelms.\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: So the type of funds that you're currently invested in are called industry funds.\n\nChannel 1: Mhmm.\n\nChannel 0: They typically can be cheaper on fees. Your funds are invested in a pooled asset, so you don't own any of the actual investments. You just own a portion of that fund. You're a member of that that fund. So if there's 10,000,000 invested in the balanced option, for example, you're a member of that, and you're allocated a portion of it because it's all pooled funds.\n\nChannel 1: Right.\n\nChannel 0: The type of assets that investment industry funds invest in are very similar to what we invest in with the one variation being that they do typically have a allocation both of these funds to what we call unlisted assets, which means, put it simply, if you look at the share market, that's considered\n\nChannel 1: Yes.\n\nChannel 0: listed. So you can look it up daily and get a daily price. An unlisted asset is not listed, and it might be, for example, a Australian Retirement Trust owns Helensvale Shopping Center, and that's valued annually, for example.\n\nChannel 1: Right.\n\nChannel 0: So your the values are not transparent, and they're periodic. So the reason why I personally steer clear of unlisted assets is for liquidity purposes\n\nChannel 1: Yep.\n\nChannel 0: and valuation transparency. Given that you've got quite a fair bit of time to retirement and retirement being I say retirement being 60 to access your super on today's legislation, twenty years, But having exposure to those assets is not necessarily a bad thing, given your time frame.\n\nChannel 1: Yep.\n\nChannel 0: The other type of investment, oh, platform or option for superannuation is a retail slash wholesale fund. And they're with the likes of some of the bigger names you might have seen is, like, MLC or what's another common one that's always out there? AMP or\n\nChannel 1: Yeah.\n\nChannel 0: those\n\nChannel 1: Okay.\n\nChannel 0: types of companies. The companies that we look at, we have an open APL, which means that we can look at anyone and everyone as long as it suits our clients' best interests.\n\nChannel 1: Yes.\n\nChannel 0: And, you know, we would compare your current funds against any other one we considered. I note that you don't wanna keep either one of those. Are\n\nChannel 1: Yep.\n\nChannel 0: you open to any other type of industry fund, or do you want something with a bit more control where you can see what you're invested in.\n\nChannel 1: I don't really know. That's kind of\n\nChannel 0: Yeah.\n\nChannel 1: why I want your advice on\n\nChannel 0: Okay.\n\nChannel 1: which way is the best way to go for what I for my situation.\n\nChannel 0: Yep. Okay. Alright. Is fees a significant issue for you in superannuation? So fees, I mean, like, industry funds typically would cost a little bit less in investment fees, whereas a retail slash wholesale fund might be a little bit more, but you've got access to a large a significantly larger range of investment options that we can that can diversify your portfolio more.\n\nSo, basically, if you think of that old saying, don't put all your eggs in one basket.\n\nChannel 1: Yeah.\n\nChannel 0: Not that an industry fund does. They do diversify, but you have greater diversification in a fund that provides you with a large range of investment options.\n\nChannel 1: Okay. I don't really know.\n\nChannel 0: That's alright. We'll we'll circle back to that in a moment. That's\n\nChannel 1: Yep.\n\nChannel 0: absolutely fine. With you mentioned with your current job, your income is less than your\n\nChannel 1: Yep.\n\nChannel 0: expenses by how far?\n\nChannel 1: Well, that's something I need to revisit and get a clearer picture on in the next few days is my was my plan for that. Look. Probably, if I just did the basics, it would cover things.\n\nChannel 0: Mhmm.\n\nChannel 1: But my kids go to a private store. Those fees are paid for by their dad, but there's often things that come up,\n\nChannel 0: Yes.\n\nChannel 1: instruments, things like that. If I wouldn't be including any, like, entertainment, birthdays, gifts,\n\nChannel 0: Mhmm.\n\nChannel 1: holidays, anything like that, it would be very basic in terms of what I actually cover. At the moment, I'm using, like, savings, that big chunk of money from the separation to kind of supplement that, but I don't wanna keep doing that for for a long time.\n\nChannel 0: Okay. I understand.\n\nChannel 1: And I do I am open to changing my job because it there's a number of reasons why that isn't working as well. But, look, this is just the job that I found that would work me being a single mom last year and what I could work in with picking up and dropping off my kids from school without having to pay childcare fees and that kind of thing.\n\nChannel 0: No. I\n\nChannel 1: Currently\n\nChannel 0: can't platelet.\n\nChannel 1: yeah. I'm currently at casual. I wasn't. My boss changed that. And then also, he made my position redundant.\n\nAnd then now he's starting to cut back my hours a little bit, well, as he is with every casual employee at the moment because I'm in insurance industry, so things quietened down sort of between, like, June and October.\n\nChannel 0: Mhmm.\n\nChannel 1: But I there's other reasons as well, but I can't really afford to be only working two days a week.\n\nChannel 0: Understand.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So are you looking for other jobs at\n\nChannel 1: Not just yet. This is only a recent development, but, yeah, I have just just realized that that's probably what I'm gonna have to do in the next little while.\n\nChannel 0: the moment? Okay. Alright. What I'm gonna do following this meeting is you mentioned you're gonna have a look at your cash flow and stuff over the next couple of days. I'm gonna send you through a tool.\n\nIt's a spreadsheet that will just help you fill it in. It's\n\nChannel 1: Yep.\n\nChannel 0: very transparent, simple, very simple. And that will also help us with the investment of funds, understanding how much additional income you need. So that will tie in with the investment side of things\n\nChannel 1: Yeah.\n\nChannel 0: and funding that. Do you get any child support?\n\nChannel 1: Child support is paying for the school fees.\n\nChannel 0: Okay. Alright.\n\nChannel 1: Yeah. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah,\n\nChannel 0: Alright. Beautiful. Okay. Alright.\n\nChannel 1: I don't\n\nChannel 0: I\n\nChannel 1: get any Centrelink payment anymore because my partner moved\n\nChannel 0: yeah. Okay. Alright.\n\nChannel 1: in.\n\nChannel 0: Alright. Alright. And what's your part is it David Eastman is your\n\nChannel 1: Yep.\n\nChannel 0: partner?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now I have here your mom as your next of kin. That's still correct?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And you have three beautiful children, 15, 12, and eight?\n\nChannel 1: Correct.\n\nChannel 0: Oh,\n\nChannel 1: Plus Dave's two.\n\nChannel 0: sorry?\n\nChannel 1: Plus Dave's two children.\n\nChannel 0: Oh, wow. So you're all living\n\nChannel 1: On and off. It's a bit\n\nChannel 0: together\n\nChannel 1: of a\n\nChannel 0: on\n\nChannel 1: revolving\n\nChannel 0: a yeah.\n\nChannel 1: door.\n\nChannel 0: I understand.\n\nChannel 1: They\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Oh, wow. Busy,\n\nChannel 1: They spend\n\nChannel 0: busy\n\nChannel 1: time\n\nChannel 0: house.\n\nChannel 1: with yeah. And it's not very big, but it's it's good enough. We have five bedrooms, so it it works. And not everyone's here all at once. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Fair enough. Fair enough. Alright. So I've got all the details down here as your current role as an insurance clerk.\n\nChannel 1: Mhmm.\n\nChannel 0: It when you completed this with Maddie, it it seems like you were doing twenty five to thirty hours per week, but that sounds like it's reduced a fair bit\n\nChannel 1: Just recently. Yeah.\n\nChannel 0: just recently. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: I'm going to do I might update those. How many hours per week do you think you do now?\n\nChannel 1: Well, it's only just this week that he asked me to do three days.\n\nChannel 0: Okay.\n\nChannel 1: And so I'm doing it's still going to be about twenty four because I'll do eight hang on. Seven and a half hour days times three. So twenty two and a half hours, I guess, this week.\n\nChannel 0: Okay. Should we leave it at twenty five to thirty or and just see how it goes? Or\n\nChannel 1: Yeah. Because it might change back. At the moment, that is the average.\n\nChannel 0: okay. Alright. I'll just leave it as is for now. And your income I have down is $43,810 as a gross.\n\nChannel 1: Yeah. That would have\n\nChannel 0: So\n\nChannel 1: been the last financial year, I think. Or maybe I've looked at a pay slip and that's what yeah. Yeah. That would be right. From the from the\n\nChannel 0: Yep.\n\nChannel 1: financial year that just ended.\n\nChannel 0: Okay. And I've got here your expenditure is your whole wage minus about 100 to $150 a week.\n\nChannel 1: Yeah. I think that was Dave's estimate. Yep.\n\nChannel 0: Yep. Okay. K. And I've got a Kia Carnival at $18,000 and cash\n\nChannel 1: Mhmm.\n\nChannel 0: at a $195,000.\n\nChannel 1: Yep.\n\nChannel 0: Okay. And that's the cash you're looking at investing.\n\nChannel 1: Yep.\n\nChannel 0: At with that amount, how much are you looking at investing of that?\n\nChannel 1: I'd probably be comfortable with a 150.\n\nChannel 0: Yep. It's good to keep a buffer for emergencies\n\nChannel 1: Yeah.\n\nChannel 0: always. Okay. So I've made a note of that. That's absolutely fine. And insurance wise, you've got some insurance some life and paper day insurance in Australian Super that I can see.\n\nI'll get the details off Maddie. Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment?\n\nChannel 1: What's TPD?\n\nChannel 0: TPD is total and permanent disablement. So the simplest way to explain that, and it sounds horrible, but, basically, if you are bedridden and unable to work ever again, it's a lump sum payment that is paid to you to help with ongoing medical expenses and care that may be\n\nChannel 1: Okay. I'm interested to know about\n\nChannel 0: required.\n\nChannel 1: those\n\nChannel 0: Yep.\n\nChannel 1: options and how much it changes\n\nChannel 0: Yep.\n\nChannel 1: anything to include them.\n\nChannel 0: Yeah. I can I can definitely do that? I'm gonna ask you a couple of probing questions on that, so I do apologize\n\nChannel 1: Yep.\n\nChannel 0: in advance.\n\nChannel 1: That's okay.\n\nChannel 0: So in the event of your death or any of these events happening, let's refer to them as yesterday because we know that they did not happen. You don't presently have any debts, so we don't need to look at repaying debt at the moment. But are there any plans in the future to purchase a home, do you believe?\n\nChannel 1: Possibly. But we're nowhere near\n\nChannel 0: Yep.\n\nChannel 1: actioning any of that. But, yes, possibly.\n\nChannel 0: Okay. Do you think it would be five years plus away?\n\nChannel 1: Probably within five years.\n\nChannel 0: Or within? Because\n\nChannel 1: Yeah.\n\nChannel 0: the reason why I asked that question is if we go through underwriting today and you're completely healthy and you go you go through as no loadings or exclusions, what we would look at doing is potentially including an amount for future debt to be paid out.\n\nChannel 1: Yep.\n\nChannel 0: And if you and Dave purchased a property together, that's my assumption I'm making, so please correct me if I'm\n\nChannel 1: Yep.\n\nChannel 0: wrong.\n\nChannel 1: Not correct.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: We could look at including an amount for your half of that for your children, so or for days, depending on how you wanna structure your estate planning to have that debt repaid.\n\nChannel 1: Right. Okay.\n\nChannel 0: Because\n\nChannel 1: Yep.\n\nChannel 0: it so if I know this is a really difficult question to foresee or plan for, but if you were to purchase a house, how much do you think you're gonna be looking at spending?\n\nChannel 1: I reckon it's going to be at least I'd say between 800,000 and 1.1 or 1.2 maybe.\n\nChannel 0: Yep. And would you being a blended family, the estate planning comes into play with that, and it's very, very common. Would you have your half paid out ideally and the ownership transferred to your children, or would it go to Dave? What are your thoughts there?\n\nChannel 1: I have not thought about this. But\n\nChannel 0: Food for thought.\n\nChannel 1: so does\n\nChannel 0: What\n\nChannel 1: that\n\nChannel 0: I\n\nChannel 1: mean,\n\nChannel 0: might\n\nChannel 1: like, you know, a couple years in if I died,\n\nChannel 0: mhmm.\n\nChannel 1: then and he owns half the house. And if I opt for it to go to the kids,\n\nChannel 0: Mhmm.\n\nChannel 1: that would maybe leave him in a state of having to sell the house because he can't afford to buy the others. Well, how does that work?\n\nChannel 0: Yeah. So, basically, once you get to that stage, you need to see a lawyer\n\nChannel 1: Mhmm.\n\nChannel 0: to make sure that everything is established correct and how you want it. So it might it might even be that the house goes today, that you have an insurance policy that is paid to your children. So\n\nChannel 1: Right.\n\nChannel 0: those things are something that you and Dave would need to sit down and discuss and agree upon and then make sure your wills your estate planning reflected that. But I think even though you don't have a house at the moment or or sorry. Debt at the moment,\n\nChannel 1: Yep.\n\nChannel 0: life insurance is a good option to provide funds for your children as a nest egg and to cover them as they continue to get older.\n\nChannel 1: Okay.\n\nChannel 0: There are ways to protect that against access from people you may not want to have access to it.\n\nChannel 1: Yep.\n\nChannel 0: And, again, that's done through a will to protect them. So having a will is something that we will discuss and will form part of the advice.\n\nChannel 1: Yep.\n\nChannel 0: If I was to look at your children's ages, their education is funded by their father. If is would you want a lump sum available per child if something happened in a few years that was a nest egg for them to fall back on, or would you like it calculated more as an income that they can draw on over a number of\n\nChannel 1: Good question. Probably\n\nChannel 0: years. Yeah.\n\nChannel 1: probably goes for the income one\n\nChannel 0: Yep.\n\nChannel 1: rather than I\n\nChannel 0: Yep.\n\nChannel 1: know you can do things like have the lump sum available only when they turn a certain age or\n\nChannel 0: Mhmm.\n\nChannel 1: that kind of\n\nChannel 0: Yep.\n\nChannel 1: thing, can't you?\n\nChannel 0: 100%. And that's dealt with through your will. So say, for example, you wanted $200,000 per child. Your life insurance policy would be directed to be paid to your estate, and then your estate would handle those funds per the child, which would then be if if access isn't until age 25, what happens is a testamentary trust is formed upon your disk, and the funds are held in trust as per your wishes in your estate, in your will.\n\nChannel 1: Alright. Until they turn that age.\n\nChannel 0: Yeah. Yeah. Whatever's in your will is what would be followed.\n\nChannel 1: Okay. And the reason you need to know these things now is why?\n\nChannel 0: From me from my perspective, I'm trying to see if we look at in having some insurance now in place that we can fund through your superannuation if cash flow is tight so that your children are protected and do have something to fall back on if, say, for example, you know, something happens to your ex husband as well and another somebody else ends up caring for them, there's funds there to replace to to to supplement the living expenses of your children while they're in being cared before by potentially another relative or something like that. So it's kind\n\nChannel 1: Yeah.\n\nChannel 0: of like\n\nChannel 1: Okay.\n\nChannel 0: covering\n\nChannel 1: Yep.\n\nChannel 0: your bases, preplanning for the the dreaded, but knowing that there's something in place should anything ever happen.\n\nChannel 1: Yeah. Okay. Well, in in that circumstance, then, yeah, I probably wouldn't want it locked away if they're needing to be if\n\nChannel 0: Yeah.\n\nChannel 1: they're needing\n\nChannel 0: So\n\nChannel 1: funds to\n\nChannel 0: yeah.\n\nChannel 1: be cared for.\n\nChannel 0: Yeah. So that can all be covered with a a solicitor when you do establish a will. So if something was to happen to you yesterday, if it was to her, how much do would you like per child to each child to receive\n\nChannel 1: Out of the money that I have?\n\nChannel 0: If out of a life insurance policy.\n\nChannel 1: As in, like, percentages?\n\nChannel 0: Just a you can give me a dollar figure if you like,\n\nChannel 1: I\n\nChannel 0: if\n\nChannel 1: have\n\nChannel 0: that\n\nChannel 1: no\n\nChannel 0: makes\n\nChannel 1: idea\n\nChannel 0: it nice\n\nChannel 1: what's\n\nChannel 0: and\n\nChannel 1: even\n\nChannel 0: easy.\n\nChannel 1: what's even possible.\n\nChannel 0: Alright. Let me do some\n\nChannel 1: What?\n\nChannel 0: fig yeah?\n\nChannel 1: Yeah. What's what's usual? What's\n\nChannel 0: There's no there's no usual or standard or anything like that. It's it's more about what you want them to have. There's no wrong or right answer. It could be that you're setting them up as a little nest egg to purchase a house in the future, or it might pay for university, or it it's what you it's kind of like a if you think of it as a legacy, what you wanna leave your children, if something was to happen to you while you're still continuing to build your wealth.\n\nChannel 1: Okay. So an amount that this is gonna help you determine.\n\nChannel 0: Yeah. What my recommendations are, basically. That's why I'm asking\n\nChannel 1: Yeah. Oh, it's just really hard for me because I've just it's just nothing. Like, it's so foreign that I have not even\n\nChannel 0: questions.\n\nChannel 1: thought\n\nChannel 0: Yeah.\n\nChannel 1: about. And,\n\nChannel 0: And that's\n\nChannel 1: like, you don't know how you don't know how far away this is and how much things are gonna cost.\n\nChannel 0: Yeah. So what happens is is we index it. It's indexed each year. So life insurance policy are indexed by the insurance companies with CPI to keep up with the cost of living, which is one of the protection mechanisms that are in place. And let's say, in five years' time, for example, you have your house.\n\nYou've got everything sorted out the way you want. The children don't need those funds because they may inherit the house or vice versa. Whatever the plans are, we review your insurances every year as well along with your superannuation balance and whatever other advice investment portfolio we we manage on your behalf. So we are absolutely able to increase and decrease covers as we see fit and as per the recommendations from our discussions with you. So I'm happy to probably go away and probably just play with some figure if you like based on their ages and have a little bit of a play on a recommendation of\n\nChannel 1: Mhmm.\n\nChannel 0: insurance. Are you happy for me to do that?\n\nChannel 1: Yeah. Yep. I think so.\n\nChannel 0: Yeah.\n\nChannel 1: That might\n\nChannel 0: Yep.\n\nChannel 1: be better for me to get an idea, and then I can ask questions from there as to how to\n\nChannel 0: Absolutely.\n\nChannel 1: tweak it a bit. Yeah.\n\nChannel 0: Absolutely. I can do that. Then reverting back to the investment options, we wouldn't look at anything like an industry fund for investments typically because they're not available. But, also, we need liquidity because you're gonna need to use this as a supplement to your income for a period of time. Do you think it will be long term or just\n\nChannel 1: Mhmm.\n\nChannel 0: just until you find some alternative work that will\n\nChannel 1: I I don't know. I\n\nChannel 0: Yep.\n\nChannel 1: look. The ultimate aim for Dave and I is is to go into investment properties, and then that becomes our income. And we basically just manage properties as our as our job.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: So with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena?\n\nChannel 1: Yeah. That's the plan.\n\nChannel 0: Yep. Okay. So when we look at investing, what kind of time frame are you and Dave looking at doing this in?\n\nChannel 1: Starting to buy a property?\n\nChannel 0: Yeah.\n\nChannel 1: Hopefully, within the next six to twelve months.\n\nChannel 0: Okay. Okay. That changes things a fair bit in regard in regards to investing the money. When you invest similar to property, it's for long term growth\n\nChannel 1: Yep.\n\nChannel 0: and income generation. When we look at investing money in a portfolio, the same applies, and a minimum time frame is always recommended. So for a gross type portfolio, for example, that on average returns between seven to 9% per annum, you'd have a minimum time frame of investment for six years to actually see that and realize that. If you have alternate plans for those funds to move into the property market within a six to twelve month period, investing those funds is not something that\n\nChannel 1: Yeah.\n\nChannel 0: I would recommend because you're going to the the issue is is that you're gonna invest those funds and then withdraw them, and there'll be capital gains tax potentially if\n\nChannel 1: Yep.\n\nChannel 0: there's a gross. It could be you know, you could invest, and there could be a market dip, and you've lost money.\n\nChannel 1: Yep.\n\nChannel 0: So we don't recommend investing for short term. If it is a six to twelve month, the ideal option would be a high interest cash account, a term deposit where your funds are not at risk of market movement.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Movement.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense? Yeah. Because our our job is to always make sure that you any recommendation or advice that we provide you with is to put you in a better financial position. If that\n\nChannel 1: Yep.\n\nChannel 0: money is parked for another project or wealth creation goal, it would not be in your best interest to invest that money in a portfolio.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: So, really, we're just talking about super then, if that's\n\nChannel 0: Super\n\nChannel 1: the case.\n\nChannel 0: and insurance. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. Now if that goal ever changes regarding property, most certainly, we can look at investing it. But given that that's a pretty short term goal we would be able to work towards work towards achieving, I think that should be I wouldn't be comfortable providing advice and it putting you in a better off position.\n\nChannel 1: Yeah.\n\nChannel 0: I I feel like it would it would put you in a worse off position.\n\nChannel 1: Yeah. I I understand that.\n\nChannel 0: Yeah. So, yeah, I can definitely help to look at the superannuation side of things, consolidating it, getting it into a fund that is not Australian retirement or rest.\n\nChannel 1: Yeah.\n\nChannel 0: Dave, what does Dave have? Have you looked at Dave's, for example?\n\nChannel 1: No. I have not.\n\nChannel 0: No? That's okay. I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame.\n\nChannel 1: Okay.\n\nChannel 0: And look at I'll also look and compare against other industry funds. I'm gonna make some recommendations based on a couple more questions I'm gonna ask you in a moment to get an idea of your risk profile of how we do\n\nChannel 1: Uh-huh.\n\nChannel 0: invest your funds. But then but then, also, I'm gonna look at making recommendations\n\nChannel 1: Yep.\n\nChannel 0: for an insurance protection plan. Are you comfortable with that? Okay. Alright. So I apologize.\n\nThese questions are some\n\nChannel 1: Yep.\n\nChannel 0: the first So the first question is,\n\nChannel 1: Okay.\n\nChannel 0: what is your how would you rate your willingness to take financial risk? Would it be very high, high, average, low, or very\n\nChannel 1: Average.\n\nChannel 0: low? Yeah. Okay. And how familiar are you with investment markets? So\n\nChannel 1: No.\n\nChannel 0: are you com not. That's okay. Not familiar. Easy. How would you describe your experience and understanding of investment markets?\n\nWould it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at first?\n\nChannel 1: Sorry. There was one there that said novice, and\n\nChannel 0: Yep.\n\nChannel 1: then there was\n\nChannel 0: Yep.\n\nChannel 1: one after it. What was the one after it?\n\nChannel 0: The one after it was mixed investment results have heightened your loss avoidance.\n\nChannel 1: No. I was just saying novice.\n\nChannel 0: Yep. Okay. What is the most ingress aggressive investment you have ever made? Direct shares, managed funds, investment property, your own home, or a high interest bank account?\n\nChannel 1: Okay. What was the question again? What is the most\n\nChannel 0: Aggressive investment you have ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account.\n\nChannel 1: Investment property.\n\nChannel 0: Yep. Okay. Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital? So longer than ten years, between seven to nine, four to six, two to three, or two years.\n\nChannel 1: You might have to explain to me what Capital is?\n\nChannel 0: Capital is the balance of your superannuation. So given that you're twenty one years away from preservation age twenty years away. Sorry. The answer to that question in relation to superannuation would be longer than\n\nChannel 1: Yeah. Yep.\n\nChannel 0: ten years. Yep. Okay. So inflation means things are getting more expensive over time, making\n\nChannel 1: Yep.\n\nChannel 0: today's money worth less. How much risk are you willing to take to keep up with the rising prices? Number one, willing to accept a very high risk. Two is willing to accept high risk. Three is willing to accept moderate.\n\nFour is a small amount of risk, and five is unwilling to take any risk.\n\nChannel 1: Moderate.\n\nChannel 0: Yep. Investments can go up and down in value. How much of a drop in your investment value over a year would you start to worry? So we're talking about superannuation at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: More than 50%, up to 50%, up to 25%, up to 10%, or up to five percent.\n\nChannel 1: Would I start to worry? Up to 25%.\n\nChannel 0: Yep. Okay. And this is a very similar question. How would you feel if in six months after investing, you found out that your portfolio decreased by 20% due to the movement the market movement, so the up and down. Would\n\nChannel 1: Mhmm.\n\nChannel 0: you invest more for growth, hold and wait for an improvement, shift your assets to more defensive assets to minimize your loss, or convert to cash to stop losses.\n\nChannel 1: After six months, probably just holding right.\n\nChannel 0: Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, two to four, or zero to two?\n\nChannel 1: Sorry. Say question again?\n\nChannel 0: What kind of investment return would you expect to receive over the long term? So 8% or above per annum, six to 8% per annum, four to six, two to four, or zero to two.\n\nChannel 1: Well, I spoke to Dave and mine is at seven, and he said that's not that good. So based on\n\nChannel 0: It's\n\nChannel 1: that,\n\nChannel 0: just\n\nChannel 1: I I would say over eight, but\n\nChannel 0: Yep.\n\nChannel 1: I really\n\nChannel 0: That's\n\nChannel 1: don't know.\n\nChannel 0: okay. Yep. The markets look. It's gonna vary every single year. It's the long term return.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: people do do tend to fixate on the annual return, but it's the it's the it's the long term averaged out return. So for example, one year, your portfolio might do 5%. But in the last three years, it's averaged out 13% each year. It's the long term return that we're looking\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: I think it said\n\nChannel 0: in investments. Yeah.\n\nChannel 1: I think it said something like an average of seven point something over a 10 period.\n\nChannel 0: Yeah. Yeah. So that's no. That's not ideal. No.\n\nChannel 1: Yes.\n\nChannel 0: We would definitely look at look at that. Only a couple more questions. Have your investments, including superannuation, ever dropped in value? And if yes, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record?\n\nChannel 1: To be completely honest with you, I don't know if it's ever dropped.\n\nChannel 0: Yep. If it if it did, would you be concerned? Would you be anxious? Would you just watch and wait and be cautious, or would you be optimistic about the future?\n\nChannel 1: Well, like, it depends how how long I forget what you said in the question, how long it's\n\nChannel 0: Yep.\n\nChannel 1: been and how long I've got to go, that kind of thing. But, generally, I'm not gonna get worried over a short term kind of\n\nChannel 0: Yep.\n\nChannel 1: change. If it\n\nChannel 0: Yep.\n\nChannel 1: was, like, you know, like, fifteen years or something of it not picking back up again, then, yeah, I'd be pretty concerned in wanting to change it.\n\nChannel 0: Yep.\n\nChannel 1: But I I am aware that things fluctuate, so I'm not going to act quickly on things that go up and down a little bit.\n\nChannel 0: Yeah. Well, we wouldn't be doing our job if we left at fifteen years.\n\nChannel 1: Exactly.\n\nChannel 0: We we'd be in a bit of trouble. Alright. So how much risk are you willing to take to get the return you want? So max return regardless of risk, high return oh, sorry. High risk for big returns, moderate risk for good returns, minimal risk for slight returns, or safety first.\n\nChannel 1: Moderate risk.\n\nChannel 0: Moderate? Okay. Okay. What kind of income do you expect to get from your investments in the future? So an example of capital growth is a share price increasing over time.\n\nSo that's the fluctuation in the market movement that we see. And an example is of income is the dividend. So the dividend that's paid or a cash into a\n\nChannel 1: Mhmm.\n\nChannel 0: bank account. So the kind of in so referring this to superannuation and making it relevant is in with your super fund, what kind of income do you expect to get from your investments in the future? At the moment, given you're twenty years away, is it capital growth only, no income, minimal income, mostly capital growth, a balance of income and capital growth, high income with some capital growth, or all income, no capital growth. So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets.\n\nChannel 1: Compared to what? Sorry.\n\nChannel 0: Your so your growth assets, your shares So you when, you know, when you look at the the ASX and on the news\n\nChannel 1: Yeah.\n\nChannel 0: and they talk about all the ups and downs and the volatilities and,\n\nChannel 1: Uh-huh.\n\nChannel 0: you know, the HP is up whatever percent, They're\n\nChannel 1: Yeah.\n\nChannel 0: your they're your growth assets. Your defensive assets are fixed interest and cash. So when we build a portfolio for your superannuation, you'll have a combination of both in your portfolio. Basically, this question's asking, based on your age now and proximity to access your funds, which is twenty years, do you want more exposure to growth assets to grow your funds over the longer term, or do you want more income producing defensive assets that is gonna produce income but not but very minimal long term growth?\n\nChannel 1: So where does the income come into super? Is\n\nChannel 0: Income\n\nChannel 1: that money you can access?\n\nChannel 0: no. No. So when we refer to income in this respect, it's from your defensive portfolio. So if you think of a term deposit, I'm just gonna use a term deposit as\n\nChannel 1: Yeah.\n\nChannel 0: an example, it pays interest.\n\nChannel 1: Yeah.\n\nChannel 0: That in the investment market is termed as income. It's not gross. So you haven't you don't have any gross opportunity in a in a fixed in a term deposit, it produces an income for you only, which is a return of cash, basically. Whereas a share, for example, if we look at CBA,\n\nChannel 1: Uh-huh.\n\nChannel 0: the if you purchase the CBA share at $100, and in five years' time, that share was worth $200,\n\nChannel 1: Yep.\n\nChannel 0: your gross is $100 per share. That's a gross. So it's grown in value over time.\n\nChannel 1: Okay.\n\nChannel 0: But with a share, you also have an income component, which is the dividend. So it pays you a dividend usually on a quarterly basis, and it would be it would it might be, I don't know, $5 per share you hold\n\nChannel 1: Yeah.\n\nChannel 0: or something like that. And that's the income component. So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use\n\nChannel 1: Yeah.\n\nChannel 0: as an example, or do you want it more in a term deposit type investment for the example I explained to you?\n\nChannel 1: My feeling is the gross one.\n\nChannel 0: Yes. Okay. So now we've then when we look at that, would you want it in capital gross only with no income or minimal income with mostly capital gross or a balance of both?\n\nChannel 1: I have no idea what's the better. Either one of those sounds good to me, but I does it mean that one is like, if you've got some income coming in, does that mean the growth isn't as big?\n\nChannel 0: Correct.\n\nChannel 1: Okay. So minimal income, the one that says that, but still mostly growth.\n\nChannel 0: Yep. Yep. Okay. Beautiful. The next question is, have you ever thought about taking out a loan to invest?\n\nI know that you said you've done an investment property before, and you're looking\n\nChannel 1: Yeah.\n\nChannel 0: at doing it again. But have you ever thought of borrowing money to invest in shares, or is it just an investment property?\n\nChannel 1: Never thought about it with Shiv. No.\n\nChannel 0: Yep. Okay. That's fine. And then the last question is thinking about your last answer, how did taking that loan out to invest make you feel for an investment property? Were you comfortable and aware of the risks, somewhat comfortable, cautious of the risks?\n\nYou are careful with your borrowing and understand the risks associated, you are hesitant, or you were worried about the borrowing due to significant\n\nChannel 1: Okay. I might just explain\n\nChannel 0: risks?\n\nChannel 1: to you very quickly the situation, and that might explain\n\nChannel 0: Yep.\n\nChannel 1: my answer. But\n\nChannel 0: Okay.\n\nChannel 1: at the time, my ex husband and I already owned the property. Oh,\n\nChannel 0: Yep.\n\nChannel 1: well, we're paying it off. And this idea came from someone that he met, and then it was, like, a broker who finds the investment property for you and basically does the leg work, and you just invest in it. For\n\nChannel 0: Mhmm.\n\nChannel 1: some reason, I had a lot of gut instinct telling me it wasn't a good idea. I tried\n\nChannel 0: Yep.\n\nChannel 1: to put it off and put it off. Although, I do like the idea of having an investment property, and we had done that before because we turned our home that we were living in when we moved to another home. We we turned that original one into an investment property and rented it out.\n\nChannel 0: Yep.\n\nChannel 1: And that didn't go well at all because of the way\n\nChannel 0: Mhmm.\n\nChannel 1: it was set up. We ended up not knowing that we had to pay a whole lot more in repayments because of the way\n\nChannel 0: Mhmm.\n\nChannel 1: it was set up. So that caused us probably a whole year of financial pain\n\nChannel 0: Mhmm.\n\nChannel 1: while I was at home with small children.\n\nChannel 0: Yep.\n\nChannel 1: And maybe that's what caused me to be really quite anxious about the second one, but I just did not have a good feeling about it. And then body corporate fees became an issue. We end up selling that in the second investment property. It\n\nChannel 0: Mhmm.\n\nChannel 1: was a unit not long after, maybe six to twelve months. Maybe a bit about twelve months after we bought it. Luckily, it had grown enough to to cover the capital gains, I think it was, that we had to so we didn't actually come out at a loss.\n\nChannel 0: Mhmm.\n\nChannel 1: But yeah. So there's the circumstances where I would probably be hesitant, but at the same time, that was a very different time for me and was was a different partner. I\n\nChannel 0: Yep.\n\nChannel 1: didn't I really didn't trust now that I look back, I didn't trust him, and I didn't trust his decision making and research processes. Whereas with Dave, I'm it's completely different. So I know that he's looked a lot into it. He's he's actually learning how to be a trader on the stock market now. He makes very careful decisions.\n\nHe's good with his money, so it would be a different situation now. So\n\nChannel 0: Okay. So do you think you would be comfortable somewhat comfortable cautious of the risks, or you'd be careful with your borrowings understanding its risks moving forward,\n\nChannel 1: yeah.\n\nChannel 0: or\n\nChannel 1: Were\n\nChannel 0: would you\n\nChannel 1: they\n\nChannel 0: be\n\nChannel 1: two options?\n\nChannel 0: hesitant? Yeah. So there's five all up, so I'll read them out to you again. So if we think about the future plans of purchasing the investment property,\n\nChannel 1: Yep.\n\nChannel 0: how would you feel taking on a new loan for the investment property, would you be comfortable borrowing for it, aware of the risks? Would you be somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, very wary very wary of risks, and worried about borrowing due to the significant risks.\n\nChannel 1: It's somewhere between the second one and the third one.\n\nChannel 0: Yep.\n\nChannel 1: Somewhat\n\nChannel 0: So\n\nChannel 1: comfortable,\n\nChannel 0: some\n\nChannel 1: but also cautious.\n\nChannel 0: yep. So the the second one actually is somewhat comfortable, cautious of the risks. The other one is careful with borrowing, understanding its risks. It's it's hard, isn't it?\n\nChannel 1: They're very close. Yeah.\n\nChannel 0: Yeah. They are. Yep.\n\nChannel 1: Somewhat comfortable. Is it somewhat comfortable cautious of the risks?\n\nChannel 0: Yeah. Yep. That's yeah. That's one of the answers. Yeah.\n\nChannel 1: Yeah. Probably that one.\n\nChannel 0: Yep. Okay. Fantastic. It gives me an overview of your risk tolerance. So what I'm gonna do is explain to you how that has come out.\n\nYou've come out as what we describe as a balanced growth investor.\n\nChannel 1: Okay.\n\nChannel 0: I I I believe in just our conversation, it's probably due to the fact that you haven't had much exposure to\n\nChannel 1: Yep.\n\nChannel 0: managing finances by the sound of it and being confident enough to make those decisions yourself.\n\nChannel 1: Yep.\n\nChannel 0: I'm just opening up a document so I can talk you through this. What a balanced growth investor is is when we look at investing, we talk about the growth investments being so those growth being your shares that produce growth and income, having about 70% of your superannuation balance attributed and invested in that area with approximately the remaining 30% in your fixed fixed interest. So it's cash and bonds and those types of things. Over\n\nChannel 1: Thank\n\nChannel 0: the long\n\nChannel 1: you.\n\nChannel 0: term, you would expect a return of between six to 8% per annum. So you're probably invested in something very similar to that at the moment with that 7% return you mentioned\n\nChannel 1: Okay.\n\nChannel 0: with a likelihood of a negative year, one in every six years being negative, and then a minimum time frame for investment of at least five years to outlast that volatility that we have touched on the market volatility. Growth portfolio is the right thing to do for the time being. Growth portfolio is the right thing to do for the time being. I think\n\nChannel 1: Mhmm.\n\nChannel 0: once you have some more exposure and you see how the portfolio works and you you have a little bit more comfort with how how it works, we could look at increasing your exposure to growth assets then. But, again, that's just my my advice and my opinion. We if you feel like you wanna take more of a a step up and allocate, go the next one up, which is a growth investor, which is an 80% allocation to your growth assets and 20% to defensive assets, that again bumps up the annualized return of about seven to 9% per annum\n\nChannel 1: Right.\n\nChannel 0: that you would see. This is just a guide. It's not in writing. It's what we would statistically, what we look at long term. But that one is having a minimum of at least six years of an investment time frame.\n\nChannel 1: Yep.\n\nChannel 0: So no matter\n\nChannel 1: Absolutely.\n\nChannel 0: what you choose, you've got time on your side to withstand that wave of volatility that you're gonna experience no matter where your funds are invested.\n\nChannel 1: Yep.\n\nChannel 0: It's just really your comfort level of how how much exposure you want to those growth assets at the moment or or whether you wanna go high and watch how it goes or whether you just wanna start start and ease in. And as you grow confidence and understanding how the portfolio works and and having our having regular meetings and catch ups, we can look to increase exposure over time.\n\nChannel 1: Okay. Alright. I think I'm gonna need some time to digest. Is there a\n\nChannel 0: It's\n\nChannel 1: way\n\nChannel 0: a\n\nChannel 1: you can\n\nChannel 0: lot.\n\nChannel 1: send me an email about what we've talked about?\n\nChannel 0: 100%. I will send you a summary email of our whole conversation and go over that. And so you've got the information there to be able to make an informed decision. It's a lot to process, and it's not something that, you know, I'd expect you to make a decision right now on.\n\nChannel 1: Yep.\n\nChannel 0: Alright. What I'm going to do is I'm going to there's a few items on my end that I'll work on putting together. I'm gonna send you through a summary email of our conversation. There are some other details that I do need from you if you do wish to proceed, and that's copies of your ID. I'll send you through a link at a later date to complete a ID certification.\n\nSo that's just to confirm who you are. You\n\nChannel 1: Yep.\n\nChannel 0: know, it's to do with anti money laundering rules.\n\nChannel 1: Yep.\n\nChannel 0: But we've got we've got a cross tick, which I'm sure you understand being\n\nChannel 1: Yep.\n\nChannel 0: in the insurance insurance business.\n\nChannel 1: Yep.\n\nChannel 0: So what I'll do is I'm gonna send you a summary email. I'll touch base with you next week, and this it will just outline next steps and and what we can do from here on in.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Alright.\n\nChannel 1: Thank\n\nChannel 0: Wonderful.\n\nChannel 1: you so\n\nChannel 0: Thank you, Holly. And I will just send this off to you, and I will speak to you\n\nChannel 1: much.\n\nChannel 0: next\n\nChannel 1: Okay. Thanks, Jenna.\n\nChannel 0: week. Thank thank you so much for your time.\n\nChannel 1: No problem. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":3.52,"end":3.84,"sentiment":"neutral","sentiment_score":0.03329449146986008},{"text":"Holly speaking.","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.03107909206300974}],"sentiment":"neutral","sentiment_score":0.031817558531959854,"channel":1,"num_words":3,"start":3.52,"end":4.66},{"sentences":[{"text":"Hi, Holly.","start":5.52,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.16387055814266205},{"text":"This is Jenna Phoning from Oakview Financial.","start":6.3199997,"end":8.74,"sentiment":"neutral","sentiment_score":0.1738414168357849},{"text":"How are you today?","start":8.8,"end":9.78,"sentiment":"neutral","sentiment_score":0.22896680235862732}],"sentiment":"neutral","sentiment_score":0.18926909565925598,"channel":0,"num_words":13,"start":5.52,"end":9.78},{"sentences":[{"text":"Good.","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.5615453720092773},{"text":"Thank you, Jenna.","start":10.32,"end":11.04,"sentiment":"positive","sentiment_score":0.5901656945546468},{"text":"How are you?","start":11.04,"end":11.86,"sentiment":"positive","sentiment_score":0.35076138377189636}],"sentiment":"positive","sentiment_score":0.48347522956984385,"channel":1,"num_words":7,"start":9.92,"end":11.86},{"sentences":[{"text":"I'm very well.","start":12.559999,"end":13.5199995,"sentiment":"positive","sentiment_score":0.5533580581347147},{"text":"Thank you.","start":13.5199995,"end":14.34,"sentiment":"positive","sentiment_score":0.5885980725288391},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":14.945,"end":21.585,"sentiment":"neutral","sentiment_score":0.050142314123070755},{"text":"Is that okay?","start":21.585,"end":22.485,"sentiment":"neutral","sentiment_score":0.053804164131482445}],"sentiment":"neutral","sentiment_score":0.13393406569957733,"channel":0,"num_words":31,"start":12.559999,"end":22.485},{"sentences":[{"text":"Yep.","start":23.314999,"end":23.794998,"sentiment":"neutral","sentiment_score":0.07235374301671982},{"text":"Sure.","start":23.794998,"end":24.294998,"sentiment":"neutral","sentiment_score":0.19481278955936432}],"sentiment":"neutral","sentiment_score":0.13358326628804207,"channel":1,"num_words":2,"start":23.314999,"end":24.294998},{"sentences":[{"text":"Wonderful.","start":24.785,"end":25.285,"sentiment":"positive","sentiment_score":0.34917789697647095},{"text":"And, Holly, I just need to ask you to please confirm your full name,","start":25.744999,"end":29.85,"sentiment":"neutral","sentiment_score":0.05871508137456009}],"sentiment":"neutral","sentiment_score":0.07807926908135414,"channel":0,"num_words":15,"start":24.785,"end":29.85},{"sentences":[{"text":"My full name is probably Nellie Smith.","start":33.4,"end":36.78,"sentiment":"neutral","sentiment_score":0.0388130566903523}],"sentiment":"neutral","sentiment_score":0.0388130566903523,"channel":1,"num_words":7,"start":33.4,"end":36.78},{"sentences":[{"text":"date","start":37.29,"end":37.79,"sentiment":"neutral","sentiment_score":0.021310633048415184}],"sentiment":"neutral","sentiment_score":0.021310633048415184,"channel":0,"num_words":1,"start":37.29,"end":37.79},{"sentences":[{"text":"My date","start":38.815,"end":39.135,"sentiment":"neutral","sentiment_score":0.02128405775874853}],"sentiment":"neutral","sentiment_score":0.02128405775874853,"channel":1,"num_words":2,"start":38.815,"end":39.135},{"sentences":[{"text":"of","start":39.0075,"end":39.5075,"sentiment":"neutral","sentiment_score":0.029318906366825104}],"sentiment":"neutral","sentiment_score":0.029318906366825104,"channel":0,"num_words":1,"start":39.0075,"end":39.5075},{"sentences":[{"text":"of birth is twenty seventh of the third","start":39.135,"end":41.135,"sentiment":"neutral","sentiment_score":0.032628243789076805}],"sentiment":"neutral","sentiment_score":0.032628243789076805,"channel":1,"num_words":8,"start":39.135,"end":41.135},{"sentences":[{"text":"birth,","start":40.725,"end":41.225,"sentiment":"neutral","sentiment_score":0.031460799276828766}],"sentiment":"neutral","sentiment_score":0.031460799276828766,"channel":0,"num_words":1,"start":40.725,"end":41.225},{"sentences":[{"text":"1986.","start":41.135,"end":42.175,"sentiment":"neutral","sentiment_score":0.03931983560323715},{"text":"Did you","start":42.175,"end":42.495,"sentiment":"neutral","sentiment_score":0.013220731168985367}],"sentiment":"neutral","sentiment_score":0.021920432647069294,"channel":1,"num_words":3,"start":41.135,"end":42.495},{"sentences":[{"text":"and","start":42.4425,"end":42.9425,"sentiment":"neutral","sentiment_score":0.011784489266574385}],"sentiment":"neutral","sentiment_score":0.011784489266574385,"channel":0,"num_words":1,"start":42.4425,"end":42.9425},{"sentences":[{"text":"say address for the third one?","start":42.495,"end":44.114998,"sentiment":"neutral","sentiment_score":0.011469467853506407}],"sentiment":"neutral","sentiment_score":0.011469467853506407,"channel":1,"num_words":6,"start":42.495,"end":44.114998},{"sentences":[{"text":"address.","start":44.16,"end":44.41,"sentiment":"neutral","sentiment_score":0.006614489480853081},{"text":"Yes, please.","start":44.41,"end":45.285,"sentiment":"neutral","sentiment_score":0.014538277871906757}],"sentiment":"neutral","sentiment_score":0.011897015074888865,"channel":0,"num_words":3,"start":44.16,"end":45.285},{"sentences":[{"text":"16 O Golden Road, Avenue Park.","start":45.775,"end":48.434998,"sentiment":"neutral","sentiment_score":0.016966375056654215}],"sentiment":"neutral","sentiment_score":0.016966375056654215,"channel":1,"num_words":6,"start":45.775,"end":48.434998},{"sentences":[{"text":"Wonderful.","start":50.005,"end":50.505,"sentiment":"positive","sentiment_score":0.3903692662715912},{"text":"Thank you for that.","start":50.565,"end":51.625,"sentiment":"positive","sentiment_score":0.5101998746395111},{"text":"I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives.","start":53.125,"end":64.31,"sentiment":"neutral","sentiment_score":0.22570372174183528},{"text":"Do you have time for that today?","start":64.61,"end":66.47,"sentiment":"neutral","sentiment_score":0.09348210798842567}],"sentiment":"neutral","sentiment_score":0.234682266023897,"channel":0,"num_words":42,"start":50.005,"end":66.47},{"sentences":[{"text":"Yes.","start":66.975,"end":67.475,"sentiment":"neutral","sentiment_score":0.1408335566520691}],"sentiment":"neutral","sentiment_score":0.1408335566520691,"channel":1,"num_words":1,"start":66.975,"end":67.475},{"sentences":[{"text":"Wonderful.","start":68.37,"end":68.87,"sentiment":"neutral","sentiment_score":0.2949519157409668},{"text":"Alright.","start":69.09,"end":69.59,"sentiment":"neutral","sentiment_score":0.17701558768749237},{"text":"Thank you, Holly.","start":69.89,"end":70.95,"sentiment":"neutral","sentiment_score":0.30600786705811817},{"text":"What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds.","start":71.235,"end":84.695,"sentiment":"neutral","sentiment_score":0.060269696959133805},{"text":"One from a settlement through your separation with your ex partner.","start":85.12,"end":90.02,"sentiment":"neutral","sentiment_score":0.03384557044641538}],"sentiment":"neutral","sentiment_score":0.07800252425173919,"channel":0,"num_words":45,"start":68.37,"end":90.02},{"sentences":[{"text":"Yes.","start":90.590004,"end":91.090004,"sentiment":"neutral","sentiment_score":0.04982675239443779}],"sentiment":"neutral","sentiment_score":0.04982675239443779,"channel":1,"num_words":1,"start":90.590004,"end":91.090004},{"sentences":[{"text":"Mhmm.","start":91.119995,"end":91.6,"sentiment":"neutral","sentiment_score":0.0468650758266449},{"text":"And you have some money from your settlement that you want to invest.","start":91.6,"end":96.1,"sentiment":"neutral","sentiment_score":0.07413797882887033},{"text":"So","start":96.32,"end":96.82,"sentiment":"neutral","sentiment_score":0.08967061340808868}],"sentiment":"neutral","sentiment_score":0.07335529426733653,"channel":0,"num_words":15,"start":91.119995,"end":96.82},{"sentences":[{"text":"Yes.","start":96.825005,"end":97.325005,"sentiment":"neutral","sentiment_score":0.09736163914203644}],"sentiment":"neutral","sentiment_score":0.09736163914203644,"channel":1,"num_words":1,"start":96.825005,"end":97.325005},{"sentences":[{"text":"in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you","start":97.775,"end":109.85,"sentiment":"neutral","sentiment_score":0.13402845403727362}],"sentiment":"neutral","sentiment_score":0.13402845403727362,"channel":0,"num_words":34,"start":97.775,"end":109.85},{"sentences":[{"text":"Okay.","start":111.41,"end":111.91,"sentiment":"neutral","sentiment_score":0.0523918941617012},{"text":"Yeah.","start":112.93,"end":113.17,"sentiment":"neutral","sentiment_score":0.04719057306647301},{"text":"That's all correct that you said.","start":113.17,"end":115.35,"sentiment":"neutral","sentiment_score":0.05799746078749498},{"text":"I have only about 15,000","start":116.61,"end":119.65,"sentiment":"neutral","sentiment_score":0.013262505829334258}],"sentiment":"neutral","sentiment_score":0.03952921239229349,"channel":1,"num_words":13,"start":111.41,"end":119.65},{"sentences":[{"text":"directly.","start":119.51,"end":120.01,"sentiment":"neutral","sentiment_score":0.020702259615063667}],"sentiment":"neutral","sentiment_score":0.020702259615063667,"channel":0,"num_words":1,"start":119.51,"end":120.01},{"sentences":[{"text":"dollars of my own super in what became a Australian retirement trust.","start":119.65,"end":124.47,"sentiment":"neutral","sentiment_score":0.034048339972893395},{"text":"And then when the separation happened last year I separated in January.","start":126.195,"end":131.735,"sentiment":"neutral","sentiment_score":0.012709726113826036},{"text":"The separation of assets and finances only was completed about December last year, and they automatically set up another rest super fund","start":132.115,"end":149.04,"sentiment":"neutral","sentiment_score":0.02504813163117929}],"sentiment":"neutral","sentiment_score":0.024177297585360382,"channel":1,"num_words":46,"start":119.65,"end":149.04},{"sentences":[{"text":"Yep.","start":148.74,"end":148.995,"sentiment":"neutral","sentiment_score":0.00717625766992569}],"sentiment":"neutral","sentiment_score":0.00717625766992569,"channel":0,"num_words":1,"start":148.74,"end":148.995},{"sentences":[{"text":"for me, which I don't really know how that works.","start":149.5,"end":153.18,"sentiment":"neutral","sentiment_score":-0.034828346222639084},{"text":"But, obviously, rest, they did it that way.","start":153.18,"end":156.735,"sentiment":"neutral","sentiment_score":0.00912792095914483}],"sentiment":"neutral","sentiment_score":-0.015292227475179566,"channel":1,"num_words":18,"start":149.5,"end":156.735},{"sentences":[{"text":"Okay.","start":157.39499,"end":157.89499,"sentiment":"neutral","sentiment_score":0.01244574598968029}],"sentiment":"neutral","sentiment_score":0.01244574598968029,"channel":0,"num_words":1,"start":157.39499,"end":157.89499},{"sentences":[{"text":"So I'd like to put those two together and potentially not in either one of those existing super funds","start":157.995,"end":164.95499,"sentiment":"neutral","sentiment_score":-0.013516853122334731}],"sentiment":"neutral","sentiment_score":-0.013516853122334731,"channel":1,"num_words":19,"start":157.995,"end":164.95499},{"sentences":[{"text":"Yep.","start":164.515,"end":164.73,"sentiment":"neutral","sentiment_score":0.011877003125846386}],"sentiment":"neutral","sentiment_score":0.011877003125846386,"channel":0,"num_words":1,"start":164.515,"end":164.73},{"sentences":[{"text":"and one that is better.","start":164.95499,"end":169.25,"sentiment":"neutral","sentiment_score":-0.006360354274511338},{"text":"And","start":170.11,"end":170.34999,"sentiment":"neutral","sentiment_score":0.037901315838098526}],"sentiment":"neutral","sentiment_score":0.0010165907442569733,"channel":1,"num_words":6,"start":164.95499,"end":170.34999},{"sentences":[{"text":"Yes.","start":170.17,"end":170.65,"sentiment":"neutral","sentiment_score":0.03820187598466873}],"sentiment":"neutral","sentiment_score":0.03820187598466873,"channel":0,"num_words":1,"start":170.17,"end":170.65},{"sentences":[{"text":"I know","start":170.34999,"end":170.67,"sentiment":"neutral","sentiment_score":-0.011375978589057922}],"sentiment":"neutral","sentiment_score":-0.011375978589057922,"channel":1,"num_words":2,"start":170.34999,"end":170.67},{"sentences":[{"text":"Yep.","start":170.65,"end":171.15,"sentiment":"neutral","sentiment_score":-0.01259281113743782}],"sentiment":"neutral","sentiment_score":-0.01259281113743782,"channel":0,"num_words":1,"start":170.65,"end":171.15},{"sentences":[{"text":"nothing about that, so that's why I'm reaching out to you guys.","start":170.67,"end":174.13,"sentiment":"neutral","sentiment_score":-0.012675225113828978}],"sentiment":"neutral","sentiment_score":-0.012675225113828978,"channel":1,"num_words":12,"start":170.67,"end":174.13},{"sentences":[{"text":"Okay.","start":174.73,"end":175.23,"sentiment":"neutral","sentiment_score":0.015096180140972136},{"text":"Yeah.","start":177.12999,"end":177.255,"sentiment":"neutral","sentiment_score":-0.007203949615359306}],"sentiment":"neutral","sentiment_score":0.003946115262806415,"channel":0,"num_words":2,"start":174.73,"end":177.255},{"sentences":[{"text":"So, yeah, that's the first part.","start":178.91,"end":180.51,"sentiment":"neutral","sentiment_score":0.190771314005057},{"text":"And the second part is, yeah, I in my current job, I am kind of going backwards on finances being that my expenses are more than what my job pays, and I do have savings that I would like to be putting to possible investment properties or something like that can that can be earning me extra income.","start":180.51,"end":210.94,"sentiment":"neutral","sentiment_score":0.25607613063064116}],"sentiment":"neutral","sentiment_score":0.24995380407199264,"channel":1,"num_words":64,"start":178.91,"end":210.94},{"sentences":[{"text":"Okay.","start":212.325,"end":212.825,"sentiment":"neutral","sentiment_score":0.13847202062606812},{"text":"Alright.","start":213.925,"end":214.425,"sentiment":"neutral","sentiment_score":0.14408384263515472},{"text":"So alright.","start":216.28,"end":217.0,"sentiment":"neutral","sentiment_score":0.12030960619449615},{"text":"Couple of things here that I'm just gonna break down a bit further with you.","start":217.0,"end":220.84,"sentiment":"neutral","sentiment_score":0.08659268493453662},{"text":"We still haven't received through the fund information from rest, which we're waiting on.","start":220.84,"end":227.5,"sentiment":"neutral","sentiment_score":-0.06634522708398956}],"sentiment":"neutral","sentiment_score":0.02706764153007305,"channel":0,"num_words":33,"start":212.325,"end":227.5},{"sentences":[{"text":"Oh,","start":227.63,"end":228.11,"sentiment":"neutral","sentiment_score":-0.016331713646650314}],"sentiment":"neutral","sentiment_score":-0.016331713646650314,"channel":1,"num_words":1,"start":227.63,"end":228.11},{"sentences":[{"text":"Do you know","start":227.785,"end":228.605,"sentiment":"neutral","sentiment_score":-0.0277078611155351}],"sentiment":"neutral","sentiment_score":-0.0277078611155351,"channel":0,"num_words":3,"start":227.785,"end":228.605},{"sentences":[{"text":"I sent that the other day.","start":228.11,"end":229.81,"sentiment":"neutral","sentiment_score":-0.022792149956027668}],"sentiment":"neutral","sentiment_score":-0.022792149956027668,"channel":1,"num_words":6,"start":228.11,"end":229.81},{"sentences":[{"text":"oh, you did?","start":230.505,"end":231.405,"sentiment":"neutral","sentiment_score":-0.008592289562026659}],"sentiment":"neutral","sentiment_score":-0.008592289562026659,"channel":0,"num_words":3,"start":230.505,"end":231.405},{"sentences":[{"text":"Yes.","start":231.79001,"end":232.29001,"sentiment":"neutral","sentiment_score":0.007862037047743797}],"sentiment":"neutral","sentiment_score":0.007862037047743797,"channel":1,"num_words":1,"start":231.79001,"end":232.29001},{"sentences":[{"text":"Okay.","start":231.865,"end":232.365,"sentiment":"neutral","sentiment_score":-0.017823610454797745},{"text":"Maybe it hasn't been updated on my end.","start":232.585,"end":234.825,"sentiment":"neutral","sentiment_score":-0.12797054555267096},{"text":"Let me have a quick squeeze through the folder.","start":234.825,"end":238.685,"sentiment":"neutral","sentiment_score":-0.018117816497882206},{"text":"I'm going to","start":240.345,"end":241.29,"sentiment":"neutral","sentiment_score":-0.01642983624090751}],"sentiment":"neutral","sentiment_score":-0.059711325337134656,"channel":0,"num_words":21,"start":231.865,"end":241.29},{"sentences":[{"text":"Madison.","start":242.575,"end":243.075,"sentiment":"neutral","sentiment_score":-0.016944414004683495}],"sentiment":"neutral","sentiment_score":-0.016944414004683495,"channel":1,"num_words":1,"start":242.575,"end":243.075},{"sentences":[{"text":"yeah.","start":245.53,"end":245.76999,"sentiment":"neutral","sentiment_score":-0.004930498078465462},{"text":"Okay.","start":245.76999,"end":246.26999,"sentiment":"neutral","sentiment_score":0.016090622171759605},{"text":"Alright.","start":246.32999,"end":246.82999,"sentiment":"neutral","sentiment_score":0.04108726233243942},{"text":"She may not have just updated my sheet for me.","start":247.84999,"end":250.81,"sentiment":"neutral","sentiment_score":-0.083313999325037},{"text":"That's okay.","start":250.81,"end":251.53,"sentiment":"neutral","sentiment_score":0.09283973276615143}],"sentiment":"neutral","sentiment_score":-0.03968087608615557,"channel":0,"num_words":15,"start":245.53,"end":251.53},{"sentences":[{"text":"I can get it from Maddie post the meeting, so that's fine.","start":251.53,"end":256.03,"sentiment":"neutral","sentiment_score":0.1434116531163454},{"text":"So what I'm gonna do is I'm gonna explain different type of superannuation funds.","start":257.915,"end":262.255,"sentiment":"neutral","sentiment_score":0.13431439229420253},{"text":"This may give you it's it's I'm gonna keep it really simple","start":264.075,"end":268.575,"sentiment":"neutral","sentiment_score":0.14875483761231104}],"sentiment":"neutral","sentiment_score":0.14174735212796613,"channel":0,"num_words":38,"start":251.53,"end":268.575},{"sentences":[{"text":"Yes.","start":269.025,"end":269.525,"sentiment":"neutral","sentiment_score":0.007046416401863098}],"sentiment":"neutral","sentiment_score":0.007046416401863098,"channel":1,"num_words":1,"start":269.025,"end":269.525},{"sentences":[{"text":"because I I feel like too much information overwhelms.","start":269.47998,"end":272.53998,"sentiment":"negative","sentiment_score":-0.5172278417481316}],"sentiment":"negative","sentiment_score":-0.5172278417481316,"channel":0,"num_words":9,"start":269.47998,"end":272.53998},{"sentences":[{"text":"Uh-huh.","start":273.185,"end":273.26498,"sentiment":"neutral","sentiment_score":-0.05876046419143677},{"text":"Yep.","start":273.26498,"end":273.76498,"sentiment":"neutral","sentiment_score":0.05059127137064934}],"sentiment":"neutral","sentiment_score":-0.004084596410393715,"channel":1,"num_words":2,"start":273.185,"end":273.76498},{"sentences":[{"text":"So the type of funds that you're currently invested in are called industry funds.","start":273.32,"end":279.18,"sentiment":"neutral","sentiment_score":0.027439144972179617}],"sentiment":"neutral","sentiment_score":0.027439144972179617,"channel":0,"num_words":14,"start":273.32,"end":279.18},{"sentences":[{"text":"Mhmm.","start":280.19,"end":280.69,"sentiment":"neutral","sentiment_score":0.08125277608633041}],"sentiment":"neutral","sentiment_score":0.08125277608633041,"channel":1,"num_words":1,"start":280.19,"end":280.69},{"sentences":[{"text":"They typically can be cheaper on fees.","start":280.91998,"end":283.82,"sentiment":"neutral","sentiment_score":0.19055230915546417},{"text":"Your funds are invested in a pooled asset, so you don't own any of the actual investments.","start":284.375,"end":291.51498,"sentiment":"neutral","sentiment_score":0.06467499693526942},{"text":"You just own a portion of that fund.","start":292.615,"end":295.815,"sentiment":"neutral","sentiment_score":0.10450977645814419},{"text":"You're a member of that that fund.","start":295.815,"end":299.52002,"sentiment":"neutral","sentiment_score":0.14003049262932368},{"text":"So if there's 10,000,000 invested in the balanced option, for example, you're a member of that, and you're allocated a portion of it because it's all pooled funds.","start":299.52002,"end":308.82,"sentiment":"neutral","sentiment_score":0.1497113358761583}],"sentiment":"neutral","sentiment_score":0.12599328621777137,"channel":0,"num_words":67,"start":280.91998,"end":308.82},{"sentences":[{"text":"Right.","start":309.61002,"end":310.11002,"sentiment":"neutral","sentiment_score":0.11656366288661955}],"sentiment":"neutral","sentiment_score":0.11656366288661955,"channel":1,"num_words":1,"start":309.61002,"end":310.11002},{"sentences":[{"text":"The type of assets that investment industry funds invest in are very similar to what we invest in with the one variation being that they do typically have a allocation both of these funds to what we call unlisted assets, which means, put it simply, if you look at the share market, that's considered","start":311.525,"end":338.95502,"sentiment":"neutral","sentiment_score":0.08524099282092518}],"sentiment":"neutral","sentiment_score":0.08524099282092518,"channel":0,"num_words":54,"start":311.525,"end":338.95502},{"sentences":[{"text":"Yes.","start":338.78,"end":339.28,"sentiment":"neutral","sentiment_score":0.0752478539943695}],"sentiment":"neutral","sentiment_score":0.0752478539943695,"channel":1,"num_words":1,"start":338.78,"end":339.28},{"sentences":[{"text":"listed.","start":339.095,"end":339.595,"sentiment":"neutral","sentiment_score":0.07882964611053467},{"text":"So you can look it up daily and get a daily price.","start":339.655,"end":342.23502,"sentiment":"neutral","sentiment_score":0.14462034683674574},{"text":"An unlisted asset is not listed, and it might be, for example, a Australian Retirement Trust owns Helensvale Shopping Center, and that's valued annually, for example.","start":342.855,"end":360.78,"sentiment":"neutral","sentiment_score":-0.053473427354429774}],"sentiment":"neutral","sentiment_score":0.010870889665033573,"channel":0,"num_words":39,"start":339.095,"end":360.78},{"sentences":[{"text":"Right.","start":360.58502,"end":361.08502,"sentiment":"neutral","sentiment_score":-0.0661453902721405}],"sentiment":"neutral","sentiment_score":-0.0661453902721405,"channel":1,"num_words":1,"start":360.58502,"end":361.08502},{"sentences":[{"text":"So your the values are not transparent, and they're periodic.","start":361.08,"end":365.41998,"sentiment":"neutral","sentiment_score":-0.25253566950559614},{"text":"So the reason why I personally steer clear of unlisted assets is for liquidity purposes","start":366.04498,"end":374.305,"sentiment":"neutral","sentiment_score":-0.19430597921212514}],"sentiment":"neutral","sentiment_score":-0.21759785532951356,"channel":0,"num_words":25,"start":361.08,"end":374.305},{"sentences":[{"text":"Yep.","start":375.11002,"end":375.61002,"sentiment":"neutral","sentiment_score":0.04653878137469292}],"sentiment":"neutral","sentiment_score":0.04653878137469292,"channel":1,"num_words":1,"start":375.11002,"end":375.61002},{"sentences":[{"text":"and valuation transparency.","start":377.805,"end":379.745,"sentiment":"neutral","sentiment_score":0.05081179738044739},{"text":"Given that you've got quite a fair bit of time to retirement and retirement being I say retirement being 60 to access your super on today's legislation, twenty years, But having exposure to those assets is not necessarily a bad thing, given your time frame.","start":382.35,"end":401.755,"sentiment":"neutral","sentiment_score":-0.0075040938953558605}],"sentiment":"neutral","sentiment_score":-0.0038593506906181574,"channel":0,"num_words":48,"start":377.805,"end":401.755},{"sentences":[{"text":"Yep.","start":401.28,"end":401.78,"sentiment":"neutral","sentiment_score":0.11592145264148712}],"sentiment":"neutral","sentiment_score":0.11592145264148712,"channel":1,"num_words":1,"start":401.28,"end":401.78},{"sentences":[{"text":"The other type of investment, oh, platform or option for superannuation is a retail slash wholesale fund.","start":402.375,"end":411.53,"sentiment":"neutral","sentiment_score":0.09582124738132253},{"text":"And they're with the likes of some of the bigger names you might have seen is, like, MLC or what's another common one that's always out there?","start":412.71002,"end":423.045,"sentiment":"neutral","sentiment_score":0.09816132637637633},{"text":"AMP 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those.","start":447.455,"end":450.115,"sentiment":"neutral","sentiment_score":-0.1311613910577514},{"text":"Are","start":450.495,"end":450.735,"sentiment":"neutral","sentiment_score":0.02485738694667816}],"sentiment":"neutral","sentiment_score":0.046797478640521015,"channel":0,"num_words":27,"start":439.94,"end":450.735},{"sentences":[{"text":"Yep.","start":450.7,"end":451.2,"sentiment":"neutral","sentiment_score":0.037188272923231125}],"sentiment":"neutral","sentiment_score":0.037188272923231125,"channel":1,"num_words":1,"start":450.7,"end":451.2},{"sentences":[{"text":"you open to any other type of industry fund, or do you want something with a bit more control where you can see what you're invested in.","start":450.735,"end":460.85,"sentiment":"neutral","sentiment_score":0.03250853648340261}],"sentiment":"neutral","sentiment_score":0.03250853648340261,"channel":0,"num_words":27,"start":450.735,"end":460.85},{"sentences":[{"text":"I don't really know.","start":464.005,"end":465.385,"sentiment":"neutral","sentiment_score":-0.14077341929078102},{"text":"That's kind of","start":465.605,"end":466.325,"sentiment":"neutral","sentiment_score":-0.09303499509890874}],"sentiment":"neutral","sentiment_score":-0.12031409463712148,"channel":1,"num_words":7,"start":464.005,"end":466.325},{"sentences":[{"text":"Yeah.","start":466.27,"end":466.77,"sentiment":"neutral","sentiment_score":-0.025343898683786392}],"sentiment":"neutral","sentiment_score":-0.025343898683786392,"channel":0,"num_words":1,"start":466.27,"end":466.77},{"sentences":[{"text":"why I want your advice 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diversify your portfolio more.","start":485.805,"end":508.885,"sentiment":"neutral","sentiment_score":0.1674119019164489}],"sentiment":"neutral","sentiment_score":0.13011464351438917,"channel":0,"num_words":64,"start":474.11,"end":508.885},{"sentences":[{"text":"So, basically, if you think of that old saying, don't put all your eggs in one basket.","start":508.885,"end":515.065,"sentiment":"neutral","sentiment_score":-0.04832085200092372}],"sentiment":"neutral","sentiment_score":-0.04832085200092372,"channel":0,"num_words":17,"start":508.885,"end":515.065},{"sentences":[{"text":"Yeah.","start":515.88,"end":516.38,"sentiment":"neutral","sentiment_score":0.07037834823131561}],"sentiment":"neutral","sentiment_score":0.07037834823131561,"channel":1,"num_words":1,"start":515.88,"end":516.38},{"sentences":[{"text":"Not that an industry fund does.","start":516.33,"end":518.08997,"sentiment":"neutral","sentiment_score":-0.07637771653632323},{"text":"They do diversify, but you have greater diversification in a fund that provides you with a large range of investment options.","start":518.08997,"end":526.58997,"sentiment":"positive","sentiment_score":0.4569293061892192}],"sentiment":"positive","sentiment_score":0.338416634472432,"channel":0,"num_words":27,"start":516.33,"end":526.58997},{"sentences":[{"text":"Okay.","start":529.775,"end":530.275,"sentiment":"neutral","sentiment_score":0.04488210380077362},{"text":"I don't really know.","start":531.135,"end":532.435,"sentiment":"neutral","sentiment_score":-0.08126492239534855}],"sentiment":"neutral","sentiment_score":-0.056035517156124114,"channel":1,"num_words":5,"start":529.775,"end":532.435},{"sentences":[{"text":"That's alright.","start":533.26495,"end":534.08496,"sentiment":"neutral","sentiment_score":-0.05949655454605818},{"text":"We'll we'll circle back to that in a 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your","start":539.90497,"end":545.52496,"sentiment":"neutral","sentiment_score":-0.09575481598193829}],"sentiment":"neutral","sentiment_score":-0.019079466660817467,"channel":0,"num_words":15,"start":536.545,"end":545.52496},{"sentences":[{"text":"Yep.","start":548.695,"end":549.195,"sentiment":"neutral","sentiment_score":-0.07314116507768631}],"sentiment":"neutral","sentiment_score":-0.07314116507768631,"channel":1,"num_words":1,"start":548.695,"end":549.195},{"sentences":[{"text":"expenses by how far?","start":549.63995,"end":551.81995,"sentiment":"neutral","sentiment_score":-0.09070451185107231}],"sentiment":"neutral","sentiment_score":-0.09070451185107231,"channel":0,"num_words":4,"start":549.63995,"end":551.81995},{"sentences":[{"text":"Well, that's something I need to revisit and get a clearer picture on in the next few days is my was my plan for 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times three.","start":870.79004,"end":873.19,"sentiment":"neutral","sentiment_score":0.01631335075944662},{"text":"So twenty two and a half hours, I guess, this week.","start":873.19,"end":877.05005,"sentiment":"neutral","sentiment_score":0.01736765414137732}],"sentiment":"neutral","sentiment_score":0.01375378351155165,"channel":1,"num_words":37,"start":864.84503,"end":877.05005},{"sentences":[{"text":"Okay.","start":878.945,"end":879.185,"sentiment":"neutral","sentiment_score":0.031192954629659653},{"text":"Should we leave it at twenty five to thirty or and just see how it 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with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena?","start":1743.6749,"end":1755.38,"sentiment":"neutral","sentiment_score":0.10105464141815901}],"sentiment":"neutral","sentiment_score":0.10105464141815901,"channel":0,"num_words":24,"start":1743.6749,"end":1755.38},{"sentences":[{"text":"Yeah.","start":1756.7549,"end":1757.235,"sentiment":"neutral","sentiment_score":0.08260820806026459},{"text":"That's the plan.","start":1757.235,"end":1758.215,"sentiment":"neutral","sentiment_score":0.12137269973754883}],"sentiment":"neutral","sentiment_score":0.11168157681822777,"channel":1,"num_words":4,"start":1756.7549,"end":1758.215},{"sentences":[{"text":"Yep.","start":1759.04,"end":1759.36,"sentiment":"neutral","sentiment_score":0.12433159351348876},{"text":"Okay.","start":1759.36,"end":1759.86,"sentiment":"neutral","sentiment_score":0.08108208328485489},{"text":"So when we look at investing, what kind of time frame are you and Dave looking at doing this in?","start":1760.32,"end":1768.505,"sentiment":"neutral","sentiment_score":0.03412770042195916}],"sentiment":"neutral","sentiment_score":0.04036216751079668,"channel":0,"num_words":22,"start":1759.04,"end":1768.505},{"sentences":[{"text":"Starting to buy a property?","start":1770.11,"end":1771.82,"sentiment":"neutral","sentiment_score":0.024514320120215417}],"sentiment":"neutral","sentiment_score":0.024514320120215417,"channel":1,"num_words":5,"start":1770.11,"end":1771.82},{"sentences":[{"text":"Yeah.","start":1772.245,"end":1772.745,"sentiment":"neutral","sentiment_score":0.07278274744749069}],"sentiment":"neutral","sentiment_score":0.07278274744749069,"channel":0,"num_words":1,"start":1772.245,"end":1772.745},{"sentences":[{"text":"Hopefully, within the next six to twelve 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actually see that and realize that.","start":1807.395,"end":1822.9,"sentiment":"neutral","sentiment_score":-0.014213646969033612},{"text":"If you have alternate plans for those funds to move into the property market within a six to twelve month period, investing those funds is not something that","start":1825.015,"end":1835.035,"sentiment":"neutral","sentiment_score":-0.10953341836908034}],"sentiment":"neutral","sentiment_score":-0.042933405773050486,"channel":0,"num_words":87,"start":1793.715,"end":1835.035},{"sentences":[{"text":"Yeah.","start":1834.595,"end":1835.095,"sentiment":"neutral","sentiment_score":-0.10465949773788452}],"sentiment":"neutral","sentiment_score":-0.10465949773788452,"channel":1,"num_words":1,"start":1834.595,"end":1835.095},{"sentences":[{"text":"I would recommend because you're going to the the issue is is that you're gonna invest those funds and then withdraw them, and there'll be capital gains tax potentially if","start":1835.495,"end":1850.53,"sentiment":"neutral","sentiment_score":-0.19927331705888113}],"sentiment":"neutral","sentiment_score":-0.19927331705888113,"channel":0,"num_words":30,"start":1835.495,"end":1850.53},{"sentences":[{"text":"Yep.","start":1850.46,"end":1850.96,"sentiment":"neutral","sentiment_score":-0.1947311609983444}],"sentiment":"neutral","sentiment_score":-0.1947311609983444,"channel":1,"num_words":1,"start":1850.46,"end":1850.96},{"sentences":[{"text":"there's a gross.","start":1850.53,"end":1851.43,"sentiment":"neutral","sentiment_score":-0.2457927813132604},{"text":"It could be you know, you could invest, and there could be a market dip, and you've lost money.","start":1852.765,"end":1858.625,"sentiment":"neutral","sentiment_score":-0.28012021199653026}],"sentiment":"neutral","sentiment_score":-0.2754391987215389,"channel":0,"num_words":22,"start":1850.53,"end":1858.625},{"sentences":[{"text":"Yep.","start":1859.26,"end":1859.76,"sentiment":"neutral","sentiment_score":-0.13404928147792816}],"sentiment":"neutral","sentiment_score":-0.13404928147792816,"channel":1,"num_words":1,"start":1859.26,"end":1859.76},{"sentences":[{"text":"So we don't recommend investing for short term.","start":1860.205,"end":1863.025,"sentiment":"negative","sentiment_score":-0.38851606845855713},{"text":"If it is a six to twelve month, the ideal option would be a high interest cash account, a term deposit where your funds are not at risk of market 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that?","start":2025.3351,"end":2026.9551,"sentiment":"neutral","sentiment_score":0.04198378324508667},{"text":"Okay.","start":2028.6951,"end":2029.1951,"sentiment":"neutral","sentiment_score":0.015513494610786438},{"text":"Alright.","start":2030.775,"end":2031.175,"sentiment":"neutral","sentiment_score":-0.0008837394416332245},{"text":"So I apologize.","start":2031.175,"end":2031.9751,"sentiment":"neutral","sentiment_score":-0.06687221055229504}],"sentiment":"neutral","sentiment_score":0.010846256216367086,"channel":0,"num_words":15,"start":2022.8551,"end":2031.9751},{"sentences":[{"text":"These questions are some","start":2031.9751,"end":2032.9651,"sentiment":"neutral","sentiment_score":-0.036841560155153275}],"sentiment":"neutral","sentiment_score":-0.036841560155153275,"channel":0,"num_words":4,"start":2031.9751,"end":2032.9651},{"sentences":[{"text":"Yep.","start":2038.895,"end":2039.395,"sentiment":"neutral","sentiment_score":-0.02166474424302578}],"sentiment":"neutral","sentiment_score":-0.02166474424302578,"channel":1,"num_words":1,"start":2038.895,"end":2039.395},{"sentences":[{"text":"the first So the first question is,","start":2047.83,"end":2050.845,"sentiment":"neutral","sentiment_score":0.0010971812797444208}],"sentiment":"neutral","sentiment_score":0.0010971812797444208,"channel":0,"num_words":7,"start":2047.83,"end":2050.845},{"sentences":[{"text":"Okay.","start":2051.58,"end":2052.08,"sentiment":"neutral","sentiment_score":0.00952925905585289}],"sentiment":"neutral","sentiment_score":0.00952925905585289,"channel":1,"num_words":1,"start":2051.58,"end":2052.08},{"sentences":[{"text":"what is your how would you rate your willingness to take financial risk?","start":2051.7048,"end":2055.9648,"sentiment":"neutral","sentiment_score":-0.053477078962784544},{"text":"Would it be very high, high, average, low, or 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familiar.","start":2074.36,"end":2075.1,"sentiment":"neutral","sentiment_score":-0.09079901874065399},{"text":"Easy.","start":2075.24,"end":2075.74,"sentiment":"neutral","sentiment_score":0.00190078467130661},{"text":"How would you describe your experience and understanding of investment markets?","start":2078.375,"end":2083.275,"sentiment":"neutral","sentiment_score":0.013305414468050003}],"sentiment":"neutral","sentiment_score":-0.012221114523708821,"channel":0,"num_words":20,"start":2071.6401,"end":2083.275},{"sentences":[{"text":"Would it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at 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was","start":2114.625,"end":2115.2651,"sentiment":"neutral","sentiment_score":-0.11820724854866664}],"sentiment":"neutral","sentiment_score":-0.11820724854866664,"channel":1,"num_words":3,"start":2114.625,"end":2115.2651},{"sentences":[{"text":"Yep.","start":2115.165,"end":2115.665,"sentiment":"neutral","sentiment_score":-0.09610332548618317}],"sentiment":"neutral","sentiment_score":-0.09610332548618317,"channel":0,"num_words":1,"start":2115.165,"end":2115.665},{"sentences":[{"text":"one after it.","start":2115.2651,"end":2115.985,"sentiment":"neutral","sentiment_score":-0.10538423309723537},{"text":"What was the one after it?","start":2115.985,"end":2117.365,"sentiment":"neutral","sentiment_score":-0.08018010358015697}],"sentiment":"neutral","sentiment_score":-0.08858148008584976,"channel":1,"num_words":9,"start":2115.2651,"end":2117.365},{"sentences":[{"text":"The one after it was mixed investment results have heightened your loss avoidance.","start":2117.805,"end":2122.8198,"sentiment":"neutral","sentiment_score":-0.3222612520823112}],"sentiment":"neutral","sentiment_score":-0.3222612520823112,"channel":0,"num_words":13,"start":2117.805,"end":2122.8198},{"sentences":[{"text":"No.","start":2126.785,"end":2127.025,"sentiment":"neutral","sentiment_score":-0.22134454548358917},{"text":"I was just saying novice.","start":2127.025,"end":2128.325,"sentiment":"neutral","sentiment_score":-0.1347161278128624}],"sentiment":"neutral","sentiment_score":-0.1491541974246502,"channel":1,"num_words":6,"start":2126.785,"end":2128.325},{"sentences":[{"text":"Yep.","start":2129.3599,"end":2129.76,"sentiment":"neutral","sentiment_score":-0.008095143362879753},{"text":"Okay.","start":2129.76,"end":2130.26,"sentiment":"neutral","sentiment_score":0.02415630966424942},{"text":"What is the most ingress aggressive investment you have ever 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made?","start":2148.365,"end":2150.49,"sentiment":"neutral","sentiment_score":0.03108939900994301},{"text":"Direct shares, manage funds, investment property, your own home, or a high interest bank account.","start":2152.33,"end":2158.43,"sentiment":"neutral","sentiment_score":0.013092568640907605}],"sentiment":"neutral","sentiment_score":0.01823452017491772,"channel":0,"num_words":21,"start":2148.365,"end":2158.43},{"sentences":[{"text":"Investment property.","start":2159.18,"end":2160.32,"sentiment":"neutral","sentiment_score":0.011335018090903759}],"sentiment":"neutral","sentiment_score":0.011335018090903759,"channel":1,"num_words":2,"start":2159.18,"end":2160.32},{"sentences":[{"text":"Yep.","start":2161.3699,"end":2161.77,"sentiment":"neutral","sentiment_score":0.047853462398052216},{"text":"Okay.","start":2161.77,"end":2162.27,"sentiment":"neutral","sentiment_score":0.028359349817037582},{"text":"Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital?","start":2164.625,"end":2177.6,"sentiment":"neutral","sentiment_score":-0.07385605601046015},{"text":"So longer than ten years, between seven to nine, four to six, two to three, or two years.","start":2177.7402,"end":2184.7202,"sentiment":"neutral","sentiment_score":-0.1211300678551197}],"sentiment":"neutral","sentiment_score":-0.08546730210245759,"channel":0,"num_words":54,"start":2161.3699,"end":2184.7202},{"sentences":[{"text":"You might have to explain to me what Capital is?","start":2185.9001,"end":2188.48,"sentiment":"neutral","sentiment_score":-0.04260519035160541}],"sentiment":"neutral","sentiment_score":-0.04260519035160541,"channel":1,"num_words":10,"start":2185.9001,"end":2188.48},{"sentences":[{"text":"Capital is the balance of your superannuation.","start":2189.82,"end":2192.2402,"sentiment":"neutral","sentiment_score":-0.11322681499379021},{"text":"So given that you're twenty one years away from preservation age twenty years away.","start":2192.915,"end":2198.595,"sentiment":"neutral","sentiment_score":-0.1825368915285383},{"text":"Sorry.","start":2198.595,"end":2199.095,"sentiment":"neutral","sentiment_score":-0.14169186353683472},{"text":"The answer to that question in relation to superannuation would be longer than","start":2200.675,"end":2204.94,"sentiment":"neutral","sentiment_score":-0.1529854157796273}],"sentiment":"neutral","sentiment_score":-0.15653161300080162,"channel":0,"num_words":35,"start":2189.82,"end":2204.94},{"sentences":[{"text":"Yeah.","start":2205.7852,"end":2206.105,"sentiment":"neutral","sentiment_score":-0.06520122289657593},{"text":"Yep.","start":2206.105,"end":2206.605,"sentiment":"neutral","sentiment_score":-0.04577203840017319}],"sentiment":"neutral","sentiment_score":-0.05548663064837456,"channel":1,"num_words":2,"start":2205.7852,"end":2206.605},{"sentences":[{"text":"ten 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losses.","start":2291.1099,"end":2306.655,"sentiment":"neutral","sentiment_score":-0.10425065791812436}],"sentiment":"neutral","sentiment_score":-0.10425065791812436,"channel":0,"num_words":29,"start":2291.1099,"end":2306.655},{"sentences":[{"text":"After six months, probably just holding right.","start":2308.24,"end":2310.735,"sentiment":"neutral","sentiment_score":-0.180263129728181}],"sentiment":"neutral","sentiment_score":-0.180263129728181,"channel":1,"num_words":7,"start":2308.24,"end":2310.735},{"sentences":[{"text":"Yep.","start":2311.6748,"end":2312.1748,"sentiment":"neutral","sentiment_score":0.11619997024536131},{"text":"Okay.","start":2312.315,"end":2312.815,"sentiment":"neutral","sentiment_score":0.13501927256584167},{"text":"What kind of return do you expect to get from your investments over the long term?","start":2314.23,"end":2318.65,"sentiment":"neutral","sentiment_score":0.13793686544522643},{"text":"8% above, six to 8%, four to six, two to four, or zero to 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no.","start":2402.12,"end":2402.84,"sentiment":"negative","sentiment_score":-0.46828847130139667},{"text":"That's not ideal.","start":2402.84,"end":2403.7202,"sentiment":"negative","sentiment_score":-0.673467218875885},{"text":"No.","start":2403.7202,"end":2404.2202,"sentiment":"negative","sentiment_score":-0.35402223467826843}],"sentiment":"negative","sentiment_score":-0.46220383875899845,"channel":0,"num_words":9,"start":2401.4001,"end":2404.2202},{"sentences":[{"text":"Yes.","start":2404.605,"end":2405.105,"sentiment":"neutral","sentiment_score":-0.08478287607431412}],"sentiment":"neutral","sentiment_score":-0.08478287607431412,"channel":1,"num_words":1,"start":2404.605,"end":2405.105},{"sentences":[{"text":"We would definitely look at look at that.","start":2405.32,"end":2407.82,"sentiment":"neutral","sentiment_score":-0.09581886325031519},{"text":"Only a couple more questions.","start":2410.2551,"end":2411.635,"sentiment":"neutral","sentiment_score":-0.0582333080470562},{"text":"Have your investments, including superannuation, ever dropped in value?","start":2411.935,"end":2416.195,"sentiment":"neutral","sentiment_score":-0.17614945272604624},{"text":"And if yes, how did it make you feel?","start":2417.135,"end":2419.7952,"sentiment":"neutral","sentiment_score":-0.04040968749258253},{"text":"Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record?","start":2420.095,"end":2433.35,"sentiment":"neutral","sentiment_score":-0.23867155352364416}],"sentiment":"neutral","sentiment_score":-0.15733695257869032,"channel":0,"num_words":54,"start":2405.32,"end":2433.35},{"sentences":[{"text":"To be completely honest with you, I don't know if it's ever dropped.","start":2435.71,"end":2439.97,"sentiment":"neutral","sentiment_score":-0.30957385439139146}],"sentiment":"neutral","sentiment_score":-0.30957385439139146,"channel":1,"num_words":13,"start":2435.71,"end":2439.97},{"sentences":[{"text":"Yep.","start":2440.385,"end":2440.885,"sentiment":"neutral","sentiment_score":-0.02612140402197838},{"text":"If it if it did, would you be concerned?","start":2441.505,"end":2444.9648,"sentiment":"neutral","sentiment_score":-0.06964768262373076},{"text":"Would you be anxious?","start":2445.105,"end":2446.165,"sentiment":"neutral","sentiment_score":-0.1414500568062067},{"text":"Would you just watch and wait and be cautious, or would you be optimistic about the future?","start":2446.305,"end":2454.74,"sentiment":"neutral","sentiment_score":-0.045471121721407944}],"sentiment":"neutral","sentiment_score":-0.06425031755239732,"channel":0,"num_words":31,"start":2440.385,"end":2454.74},{"sentences":[{"text":"Well, like, it depends how how long I forget what you said in the question, how long it's","start":2455.235,"end":2460.435,"sentiment":"neutral","sentiment_score":-0.05274338823639684}],"sentiment":"neutral","sentiment_score":-0.05274338823639684,"channel":1,"num_words":18,"start":2455.235,"end":2460.435},{"sentences":[{"text":"Yep.","start":2460.32,"end":2460.555,"sentiment":"neutral","sentiment_score":-0.03720720112323761}],"sentiment":"neutral","sentiment_score":-0.03720720112323761,"channel":0,"num_words":1,"start":2460.32,"end":2460.555},{"sentences":[{"text":"been and how long I've got to go, that kind of thing.","start":2460.435,"end":2464.595,"sentiment":"neutral","sentiment_score":-0.057354649528861046},{"text":"But, generally, I'm not gonna get worried over a short term kind of","start":2464.595,"end":2471.21,"sentiment":"neutral","sentiment_score":-0.06120284016315754}],"sentiment":"neutral","sentiment_score":-0.05935570865869522,"channel":1,"num_words":25,"start":2460.435,"end":2471.21},{"sentences":[{"text":"Yep.","start":2471.1948,"end":2471.6948,"sentiment":"neutral","sentiment_score":-0.0438825786113739}],"sentiment":"neutral","sentiment_score":-0.0438825786113739,"channel":0,"num_words":1,"start":2471.1948,"end":2471.6948},{"sentences":[{"text":"change.","start":2471.21,"end":2471.71,"sentiment":"neutral","sentiment_score":-0.07630529999732971},{"text":"If it","start":2472.3298,"end":2472.73,"sentiment":"neutral","sentiment_score":-0.0691806860268116}],"sentiment":"neutral","sentiment_score":-0.07155555735031764,"channel":1,"num_words":3,"start":2471.21,"end":2472.73},{"sentences":[{"text":"Yep.","start":2472.635,"end":2472.87,"sentiment":"neutral","sentiment_score":-0.0643673986196518}],"sentiment":"neutral","sentiment_score":-0.0643673986196518,"channel":0,"num_words":1,"start":2472.635,"end":2472.87},{"sentences":[{"text":"was, like, you know, like, fifteen years or something of it not picking back up again, then, yeah, I'd be pretty concerned in wanting to change it.","start":2472.73,"end":2482.015,"sentiment":"neutral","sentiment_score":-0.16923777124396078}],"sentiment":"neutral","sentiment_score":-0.16923777124396078,"channel":1,"num_words":27,"start":2472.73,"end":2482.015},{"sentences":[{"text":"Yep.","start":2482.4702,"end":2482.9702,"sentiment":"neutral","sentiment_score":-0.0440504178404808}],"sentiment":"neutral","sentiment_score":-0.0440504178404808,"channel":0,"num_words":1,"start":2482.4702,"end":2482.9702},{"sentences":[{"text":"But I I am aware that things fluctuate, so I'm not going to act quickly on things that go up and down a little bit.","start":2482.955,"end":2492.51,"sentiment":"neutral","sentiment_score":-0.27799818217754363}],"sentiment":"neutral","sentiment_score":-0.27799818217754363,"channel":1,"num_words":25,"start":2482.955,"end":2492.51},{"sentences":[{"text":"Yeah.","start":2493.1748,"end":2493.4148,"sentiment":"neutral","sentiment_score":-0.14999356865882874},{"text":"Well, we wouldn't be doing our job if we left at fifteen years.","start":2493.4148,"end":2496.9548,"sentiment":"neutral","sentiment_score":-0.2947312490298198}],"sentiment":"neutral","sentiment_score":-0.2843928432890347,"channel":0,"num_words":14,"start":2493.1748,"end":2496.9548},{"sentences":[{"text":"Exactly.","start":2497.53,"end":2498.03,"sentiment":"neutral","sentiment_score":-0.2033944725990295}],"sentiment":"neutral","sentiment_score":-0.2033944725990295,"channel":1,"num_words":1,"start":2497.53,"end":2498.03},{"sentences":[{"text":"We we'd be in a bit of trouble.","start":2498.135,"end":2499.9949,"sentiment":"negative","sentiment_score":-0.40827085822820663},{"text":"Alright.","start":2501.3901,"end":2501.79,"sentiment":"neutral","sentiment_score":-0.05278852581977844},{"text":"So how much risk are you willing to take to get the return you want?","start":2501.79,"end":2505.79,"sentiment":"neutral","sentiment_score":-0.007224855820337931},{"text":"So max return regardless of risk, high return oh, sorry.","start":2505.79,"end":2510.6702,"sentiment":"neutral","sentiment_score":0.011455162055790424},{"text":"High risk for big returns, moderate risk for good returns, minimal risk for slight returns, or safety first.","start":2510.6702,"end":2518.7148,"sentiment":"neutral","sentiment_score":0.01499459995991654}],"sentiment":"neutral","sentiment_score":-0.05851680402142497,"channel":0,"num_words":52,"start":2498.135,"end":2518.7148},{"sentences":[{"text":"Moderate risk.","start":2522.69,"end":2523.75,"sentiment":"neutral","sentiment_score":-0.030958378687500954}],"sentiment":"neutral","sentiment_score":-0.030958378687500954,"channel":1,"num_words":2,"start":2522.69,"end":2523.75},{"sentences":[{"text":"Moderate?","start":2524.615,"end":2525.115,"sentiment":"neutral","sentiment_score":-0.00034145390964113176},{"text":"Okay.","start":2525.335,"end":2525.835,"sentiment":"neutral","sentiment_score":0.022679202258586884},{"text":"Okay.","start":2532.1501,"end":2532.6301,"sentiment":"neutral","sentiment_score":0.035752058029174805},{"text":"What kind of income do you expect to get from your investments in the future?","start":2532.6301,"end":2536.8901,"sentiment":"neutral","sentiment_score":0.02653746542831262},{"text":"So an example of capital growth is a share price increasing over time.","start":2538.7102,"end":2543.355,"sentiment":"neutral","sentiment_score":0.009409537109044882}],"sentiment":"neutral","sentiment_score":0.018660508716786883,"channel":0,"num_words":31,"start":2524.615,"end":2543.355},{"sentences":[{"text":"So that's the fluctuation in the market movement that we see.","start":2543.355,"end":2546.815,"sentiment":"neutral","sentiment_score":0.022968919947743416},{"text":"And an example is of income is the dividend.","start":2547.675,"end":2551.615,"sentiment":"neutral","sentiment_score":0.03714547761612468},{"text":"So the dividend that's paid or a cash into a","start":2552.235,"end":2554.955,"sentiment":"neutral","sentiment_score":0.02716684639453888}],"sentiment":"neutral","sentiment_score":0.028621196063856283,"channel":0,"num_words":30,"start":2543.355,"end":2554.955},{"sentences":[{"text":"Mhmm.","start":2554.95,"end":2555.45,"sentiment":"neutral","sentiment_score":0.005072568543255329}],"sentiment":"neutral","sentiment_score":0.005072568543255329,"channel":1,"num_words":1,"start":2554.95,"end":2555.45},{"sentences":[{"text":"bank account.","start":2554.955,"end":2555.695,"sentiment":"neutral","sentiment_score":0.012585297226905823},{"text":"So the kind of in so referring this to superannuation and making it relevant is in with your super fund, what kind of income do you expect to get from your investments in the future?","start":2556.4102,"end":2569.47,"sentiment":"neutral","sentiment_score":0.020647210947104862},{"text":"At the moment, given you're twenty years away, is it capital growth only, no income, minimal income, mostly capital growth, a balance of income and capital growth, high income with some capital growth, or all income, no capital growth.","start":2570.055,"end":2588.81,"sentiment":"neutral","sentiment_score":-0.08222100372688892},{"text":"So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets.","start":2591.4302,"end":2600.6648,"sentiment":"neutral","sentiment_score":-0.020980944186449052}],"sentiment":"neutral","sentiment_score":-0.02953781952878626,"channel":0,"num_words":101,"start":2554.955,"end":2600.6648},{"sentences":[{"text":"Compared to what?","start":2601.8352,"end":2602.715,"sentiment":"neutral","sentiment_score":-0.03286785508195559},{"text":"Sorry.","start":2602.715,"end":2603.215,"sentiment":"neutral","sentiment_score":-0.07851089537143707}],"sentiment":"neutral","sentiment_score":-0.04427861515432596,"channel":1,"num_words":4,"start":2601.8352,"end":2603.215},{"sentences":[{"text":"Your so your growth assets, your shares So you when, you know, when you look at the the ASX and on the news","start":2603.765,"end":2612.1602,"sentiment":"neutral","sentiment_score":-0.009724245123241259}],"sentiment":"neutral","sentiment_score":-0.009724245123241259,"channel":0,"num_words":23,"start":2603.765,"end":2612.1602},{"sentences":[{"text":"Yeah.","start":2611.88,"end":2612.38,"sentiment":"neutral","sentiment_score":0.00499565526843071}],"sentiment":"neutral","sentiment_score":0.00499565526843071,"channel":1,"num_words":1,"start":2611.88,"end":2612.38},{"sentences":[{"text":"and they talk about all the ups and downs and the volatilities and,","start":2612.1602,"end":2616.02,"sentiment":"neutral","sentiment_score":-0.04163872092389143}],"sentiment":"neutral","sentiment_score":-0.04163872092389143,"channel":0,"num_words":13,"start":2612.1602,"end":2616.02},{"sentences":[{"text":"Uh-huh.","start":2616.52,"end":2617.02,"sentiment":"neutral","sentiment_score":-0.033573705703020096}],"sentiment":"neutral","sentiment_score":-0.033573705703020096,"channel":1,"num_words":1,"start":2616.52,"end":2617.02},{"sentences":[{"text":"you know, the HP is up whatever percent, They're","start":2616.8801,"end":2621.6948,"sentiment":"neutral","sentiment_score":-0.011076205617023839}],"sentiment":"neutral","sentiment_score":-0.011076205617023839,"channel":0,"num_words":9,"start":2616.8801,"end":2621.6948},{"sentences":[{"text":"Yeah.","start":2621.355,"end":2621.855,"sentiment":"neutral","sentiment_score":0.019224828109145164}],"sentiment":"neutral","sentiment_score":0.019224828109145164,"channel":1,"num_words":1,"start":2621.355,"end":2621.855},{"sentences":[{"text":"your they're your growth assets.","start":2621.6948,"end":2623.395,"sentiment":"neutral","sentiment_score":0.037784720212221144},{"text":"Your defensive assets are fixed interest and cash.","start":2624.4949,"end":2628.4949,"sentiment":"neutral","sentiment_score":0.04412301164120436},{"text":"So when we build a portfolio for your superannuation, you'll have a combination of both in your portfolio.","start":2628.4949,"end":2636.1948,"sentiment":"neutral","sentiment_score":0.13295481892095673},{"text":"Basically, this question's asking, based on your age now and proximity to access your funds, which is twenty years, do you want more exposure to growth assets to grow your funds over the longer term, or do you want more income producing defensive assets that is gonna produce income but not but very minimal long term growth?","start":2638.3499,"end":2663.275,"sentiment":"neutral","sentiment_score":-0.004676764210065206}],"sentiment":"neutral","sentiment_score":0.03032407812266187,"channel":0,"num_words":88,"start":2621.6948,"end":2663.275},{"sentences":[{"text":"So where does the income come into super?","start":2664.76,"end":2668.4602,"sentiment":"neutral","sentiment_score":-0.014126975554972887},{"text":"Is","start":2669.1602,"end":2669.4001,"sentiment":"neutral","sentiment_score":-0.01732666790485382}],"sentiment":"neutral","sentiment_score":-0.014482496927181879,"channel":1,"num_words":9,"start":2664.76,"end":2669.4001},{"sentences":[{"text":"Income","start":2669.3901,"end":2669.8901,"sentiment":"neutral","sentiment_score":0.007360748946666717}],"sentiment":"neutral","sentiment_score":0.007360748946666717,"channel":0,"num_words":1,"start":2669.3901,"end":2669.8901},{"sentences":[{"text":"that money you can access?","start":2669.4001,"end":2671.1,"sentiment":"neutral","sentiment_score":-0.02549910694360733}],"sentiment":"neutral","sentiment_score":-0.02549910694360733,"channel":1,"num_words":5,"start":2669.4001,"end":2671.1},{"sentences":[{"text":"no.","start":2672.27,"end":2672.6702,"sentiment":"neutral","sentiment_score":-0.1451359987258911},{"text":"No.","start":2672.6702,"end":2672.9102,"sentiment":"neutral","sentiment_score":-0.1375553011894226},{"text":"So when we refer to income in this respect, it's from your defensive portfolio.","start":2672.9102,"end":2677.1702,"sentiment":"neutral","sentiment_score":-0.05465927839811359},{"text":"So if you think of a term deposit, I'm just gonna use a term deposit as","start":2677.23,"end":2681.3901,"sentiment":"neutral","sentiment_score":0.005975020583719015}],"sentiment":"neutral","sentiment_score":-0.029760027129668742,"channel":0,"num_words":32,"start":2672.27,"end":2681.3901},{"sentences":[{"text":"Yeah.","start":2681.385,"end":2681.885,"sentiment":"neutral","sentiment_score":0.012174997478723526}],"sentiment":"neutral","sentiment_score":0.012174997478723526,"channel":1,"num_words":1,"start":2681.385,"end":2681.885},{"sentences":[{"text":"an example, it pays interest.","start":2681.3901,"end":2683.725,"sentiment":"neutral","sentiment_score":0.011253488436341285}],"sentiment":"neutral","sentiment_score":0.011253488436341285,"channel":0,"num_words":5,"start":2681.3901,"end":2683.725},{"sentences":[{"text":"Yeah.","start":2684.345,"end":2684.845,"sentiment":"neutral","sentiment_score":0.03127128258347511}],"sentiment":"neutral","sentiment_score":0.03127128258347511,"channel":1,"num_words":1,"start":2684.345,"end":2684.845},{"sentences":[{"text":"That in the investment market is termed as income.","start":2684.685,"end":2689.665,"sentiment":"neutral","sentiment_score":0.02396116488509708},{"text":"It's not gross.","start":2690.205,"end":2691.425,"sentiment":"neutral","sentiment_score":-0.059283903489510216},{"text":"So you haven't you don't have any gross opportunity in a in a fixed in a term deposit, it produces an income for you only, which is a return of cash, basically.","start":2691.965,"end":2706.52,"sentiment":"neutral","sentiment_score":0.016131559561472386},{"text":"Whereas a share, for example, if we look at CBA,","start":2707.62,"end":2712.12,"sentiment":"neutral","sentiment_score":0.051805540919303894}],"sentiment":"neutral","sentiment_score":0.019853038678842562,"channel":0,"num_words":54,"start":2684.685,"end":2712.12},{"sentences":[{"text":"Uh-huh.","start":2713.305,"end":2713.805,"sentiment":"neutral","sentiment_score":0.03856648877263069}],"sentiment":"neutral","sentiment_score":0.03856648877263069,"channel":1,"num_words":1,"start":2713.305,"end":2713.805},{"sentences":[{"text":"the if you purchase the CBA share at $100, and in five years' time, that share was worth $200,","start":2713.685,"end":2723.7852,"sentiment":"neutral","sentiment_score":0.06727273370090284}],"sentiment":"neutral","sentiment_score":0.06727273370090284,"channel":0,"num_words":19,"start":2713.685,"end":2723.7852},{"sentences":[{"text":"Yep.","start":2723.46,"end":2723.96,"sentiment":"neutral","sentiment_score":0.09617356956005096}],"sentiment":"neutral","sentiment_score":0.09617356956005096,"channel":1,"num_words":1,"start":2723.46,"end":2723.96},{"sentences":[{"text":"your gross is $100 per share.","start":2724.645,"end":2727.93,"sentiment":"neutral","sentiment_score":0.12020862723390262},{"text":"That's a gross.","start":2727.93,"end":2728.73,"sentiment":"neutral","sentiment_score":0.15279838939507803},{"text":"So it's grown in value over time.","start":2728.73,"end":2731.15,"sentiment":"neutral","sentiment_score":0.2682830627475466}],"sentiment":"neutral","sentiment_score":0.19110177317634225,"channel":0,"num_words":16,"start":2724.645,"end":2731.15},{"sentences":[{"text":"Okay.","start":2731.2825,"end":2731.7825,"sentiment":"neutral","sentiment_score":0.09127354621887208}],"sentiment":"neutral","sentiment_score":0.09127354621887208,"channel":1,"num_words":1,"start":2731.2825,"end":2731.7825},{"sentences":[{"text":"But with a share, you also have an income component, which is the dividend.","start":2732.01,"end":2736.49,"sentiment":"neutral","sentiment_score":0.06898029148578644},{"text":"So it pays you a dividend usually on a quarterly basis, and it would be it would it might be, I don't know, $5 per share you hold","start":2736.49,"end":2746.625,"sentiment":"neutral","sentiment_score":0.06627858556540948}],"sentiment":"neutral","sentiment_score":0.06717915420553514,"channel":0,"num_words":42,"start":2732.01,"end":2746.625},{"sentences":[{"text":"Yeah.","start":2746.385,"end":2746.885,"sentiment":"neutral","sentiment_score":0.02590432390570641}],"sentiment":"neutral","sentiment_score":0.02590432390570641,"channel":1,"num_words":1,"start":2746.385,"end":2746.885},{"sentences":[{"text":"or something like that.","start":2746.625,"end":2747.925,"sentiment":"neutral","sentiment_score":0.009766203351318836},{"text":"And that's the income component.","start":2748.065,"end":2749.845,"sentiment":"neutral","sentiment_score":0.03900347538292408},{"text":"So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use","start":2750.145,"end":2766.64,"sentiment":"neutral","sentiment_score":0.10143668469831799}],"sentiment":"neutral","sentiment_score":0.08527363774677117,"channel":0,"num_words":42,"start":2746.625,"end":2766.64},{"sentences":[{"text":"Yeah.","start":2766.54,"end":2767.04,"sentiment":"neutral","sentiment_score":0.04364974796772003}],"sentiment":"neutral","sentiment_score":0.04364974796772003,"channel":1,"num_words":1,"start":2766.54,"end":2767.04},{"sentences":[{"text":"as an example, or do you want it more in a term deposit type investment for the example I explained to you?","start":2766.64,"end":2775.785,"sentiment":"neutral","sentiment_score":0.021959384056654842}],"sentiment":"neutral","sentiment_score":0.021959384056654842,"channel":0,"num_words":22,"start":2766.64,"end":2775.785},{"sentences":[{"text":"My feeling is the gross one.","start":2776.4248,"end":2778.285,"sentiment":"neutral","sentiment_score":0.0024813469499349594}],"sentiment":"neutral","sentiment_score":0.0024813469499349594,"channel":1,"num_words":6,"start":2776.4248,"end":2778.285},{"sentences":[{"text":"Yes.","start":2778.885,"end":2779.385,"sentiment":"neutral","sentiment_score":0.09412704408168791},{"text":"Okay.","start":2779.445,"end":2779.945,"sentiment":"neutral","sentiment_score":0.0586007684469223},{"text":"So now we've then when we look at that, would you want it in capital gross only with no income or minimal income with mostly capital gross or a balance of both?","start":2780.12,"end":2800.9026,"sentiment":"neutral","sentiment_score":-0.005820699036121368}],"sentiment":"neutral","sentiment_score":-0.0009863104890374577,"channel":0,"num_words":34,"start":2778.885,"end":2800.9026},{"sentences":[{"text":"I have no idea what's the better.","start":2802.395,"end":2804.7349,"sentiment":"neutral","sentiment_score":-0.2757275572844914},{"text":"Either one of those sounds good to me, but I does it mean that one is like, if you've got some income coming in, does that mean the growth isn't as big?","start":2805.115,"end":2815.45,"sentiment":"neutral","sentiment_score":-0.0941552973818034}],"sentiment":"neutral","sentiment_score":-0.12674519018484995,"channel":1,"num_words":39,"start":2802.395,"end":2815.45},{"sentences":[{"text":"Correct.","start":2816.3801,"end":2816.8801,"sentiment":"neutral","sentiment_score":0.04031529277563095}],"sentiment":"neutral","sentiment_score":0.04031529277563095,"channel":0,"num_words":1,"start":2816.3801,"end":2816.8801},{"sentences":[{"text":"Okay.","start":2817.75,"end":2818.23,"sentiment":"neutral","sentiment_score":0.02215839736163616},{"text":"So minimal income, the one that says that, but still mostly growth.","start":2818.23,"end":2823.13,"sentiment":"neutral","sentiment_score":0.02464641227076451}],"sentiment":"neutral","sentiment_score":0.024455026508523867,"channel":1,"num_words":13,"start":2817.75,"end":2823.13},{"sentences":[{"text":"Yep.","start":2823.02,"end":2823.345,"sentiment":"neutral","sentiment_score":0.14179620146751404},{"text":"Yep.","start":2823.9849,"end":2824.385,"sentiment":"neutral","sentiment_score":0.1751401126384735},{"text":"Okay.","start":2824.385,"end":2824.785,"sentiment":"neutral","sentiment_score":0.3075769543647766},{"text":"Beautiful.","start":2824.785,"end":2825.285,"sentiment":"positive","sentiment_score":0.5164104700088501},{"text":"The next question is, have you ever thought about taking out a loan to invest?","start":2828.065,"end":2831.845,"sentiment":"neutral","sentiment_score":0.04750498856107394}],"sentiment":"neutral","sentiment_score":0.09755255615240649,"channel":0,"num_words":19,"start":2823.02,"end":2831.845},{"sentences":[{"text":"I know that you said you've done an investment property before, and you're looking","start":2832.785,"end":2836.7,"sentiment":"neutral","sentiment_score":0.005452973601807441}],"sentiment":"neutral","sentiment_score":0.005452973601807441,"channel":0,"num_words":14,"start":2832.785,"end":2836.7},{"sentences":[{"text":"Yeah.","start":2836.4648,"end":2836.9648,"sentiment":"neutral","sentiment_score":0.016186026856303215}],"sentiment":"neutral","sentiment_score":0.016186026856303215,"channel":1,"num_words":1,"start":2836.4648,"end":2836.9648},{"sentences":[{"text":"at doing it again.","start":2836.7,"end":2837.8398,"sentiment":"neutral","sentiment_score":0.011301306076347828},{"text":"But have you ever thought of borrowing money to invest in shares, or is it just an investment property?","start":2837.9,"end":2843.2,"sentiment":"neutral","sentiment_score":-0.018988596177414843}],"sentiment":"neutral","sentiment_score":-0.013720787089803944,"channel":0,"num_words":23,"start":2836.7,"end":2843.2},{"sentences":[{"text":"Never thought about it with Shiv.","start":2844.05,"end":2845.73,"sentiment":"neutral","sentiment_score":-0.07633911942442258},{"text":"No.","start":2845.73,"end":2846.23,"sentiment":"neutral","sentiment_score":-0.04962094873189926}],"sentiment":"neutral","sentiment_score":-0.07252223789691925,"channel":1,"num_words":7,"start":2844.05,"end":2846.23},{"sentences":[{"text":"Yep.","start":2846.46,"end":2846.96,"sentiment":"neutral","sentiment_score":0.014413636177778244},{"text":"Okay.","start":2847.0999,"end":2847.5,"sentiment":"neutral","sentiment_score":0.07668126374483109},{"text":"That's fine.","start":2847.5,"end":2848.3198,"sentiment":"neutral","sentiment_score":0.16038086265325546},{"text":"And then the last question is thinking about your 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I do need from you if you do wish to proceed, and that's copies of your ID.","start":3439.73,"end":3446.485,"sentiment":"neutral","sentiment_score":0.00841106199052023},{"text":"I'll send you through a link at a later date to complete a ID certification.","start":3447.345,"end":3454.325,"sentiment":"neutral","sentiment_score":0.12189901719490687}],"sentiment":"neutral","sentiment_score":0.11353694249151482,"channel":0,"num_words":72,"start":3427.41,"end":3454.325},{"sentences":[{"text":"So that's just to confirm who you 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in.","start":3474.0952,"end":3484.47,"sentiment":"neutral","sentiment_score":0.19508257001638413}],"sentiment":"neutral","sentiment_score":0.17649106782030416,"channel":0,"num_words":37,"start":3469.935,"end":3484.47},{"sentences":[{"text":"Okay.","start":3484.945,"end":3485.445,"sentiment":"positive","sentiment_score":0.35880032181739807},{"text":"Perfect.","start":3485.8252,"end":3486.3252,"sentiment":"positive","sentiment_score":0.719122588634491}],"sentiment":"positive","sentiment_score":0.5389614552259445,"channel":1,"num_words":2,"start":3484.945,"end":3486.3252},{"sentences":[{"text":"Alright.","start":3486.53,"end":3487.03,"sentiment":"positive","sentiment_score":0.5899533033370972}],"sentiment":"positive","sentiment_score":0.5899533033370972,"channel":0,"num_words":1,"start":3486.53,"end":3487.03},{"sentences":[{"text":"Thank","start":3487.32,"end":3487.56,"sentiment":"positive","sentiment_score":0.8385913372039795}],"sentiment":"positive","sentiment_score":0.8385913372039795,"channel":1,"num_words":1,"start":3487.32,"end":3487.56},{"sentences":[{"text":"Wonderful.","start":3487.41,"end":3487.91,"sentiment":"positive","sentiment_score":0.814562201499939}],"sentiment":"positive","sentiment_score":0.814562201499939,"channel":0,"num_words":1,"start":3487.41,"end":3487.91},{"sentences":[{"text":"you so","start":3487.56,"end":3488.2202,"sentiment":"positive","sentiment_score":0.6393593847751617}],"sentiment":"positive","sentiment_score":0.6393593847751617,"channel":1,"num_words":2,"start":3487.56,"end":3488.2202},{"sentences":[{"text":"Thank you, Holly.","start":3489.0898,"end":3490.21,"sentiment":"positive","sentiment_score":0.7761789162953695},{"text":"And I will just send this off to you, and I will speak to you","start":3490.21,"end":3493.97,"sentiment":"positive","sentiment_score":0.5298331101735433}],"sentiment":"positive","sentiment_score":0.570890744527181,"channel":0,"num_words":18,"start":3489.0898,"end":3493.97},{"sentences":[{"text":"much.","start":3493.9602,"end":3494.4602,"sentiment":"positive","sentiment_score":0.47811979055404663}],"sentiment":"positive","sentiment_score":0.47811979055404663,"channel":1,"num_words":1,"start":3493.9602,"end":3494.4602},{"sentences":[{"text":"next","start":3493.97,"end":3494.199,"sentiment":"neutral","sentiment_score":0.07464303076267242}],"sentiment":"neutral","sentiment_score":0.07464303076267242,"channel":0,"num_words":1,"start":3493.97,"end":3494.199},{"sentences":[{"text":"Okay.","start":3495.24,"end":3495.74,"sentiment":"neutral","sentiment_score":0.2770974934101105},{"text":"Thanks, Jenna.","start":3495.9602,"end":3496.9402,"sentiment":"positive","sentiment_score":0.5329819470643997}],"sentiment":"positive","sentiment_score":0.44768712917963666,"channel":1,"num_words":3,"start":3495.24,"end":3496.9402},{"sentences":[{"text":"week.","start":3496.519,"end":3496.8389,"sentiment":"positive","sentiment_score":0.34151560068130493},{"text":"Thank thank you so much for your time.","start":3496.8389,"end":3498.859,"sentiment":"positive","sentiment_score":0.7685446068644524}],"sentiment":"positive","sentiment_score":0.7210969395107694,"channel":0,"num_words":9,"start":3496.519,"end":3498.859},{"sentences":[{"text":"No problem.","start":3499.32,"end":3499.98,"sentiment":"positive","sentiment_score":0.4621275067329407},{"text":"Bye.","start":3500.2002,"end":3500.7002,"sentiment":"neutral","sentiment_score":0.32607924938201904}],"sentiment":"positive","sentiment_score":0.4167780876159668,"channel":1,"num_words":3,"start":3499.32,"end":3500.7002},{"sentences":[{"text":"Okay.","start":3500.679,"end":3501.179,"sentiment":"neutral","sentiment_score":0.2269497513771057},{"text":"Bye.","start":3501.239,"end":3501.739,"sentiment":"neutral","sentiment_score":-0.11160756647586824}],"sentiment":"neutral","sentiment_score":0.05767109245061874,"channel":0,"num_words":2,"start":3500.679,"end":3501.739}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers about their financial goals and interests, emphasizing the importance of their insurance policy and providing a tool for filling in their cash flow. They also discuss the process of obtaining insurance coverage for children and the importance of managing properties for long-term growth. The speakers emphasize the need for liquidity and a long-term plan to ensure the customers are covered, as it is not something that is for immediate return. They also provide advice on risk tolerance and recommend a growth portfolio for investment. A summary email will be sent with further information."},"intents":{"segments":[{"text":"I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives. Do you have time for that today? Yes.","start_word":115,"end_word":152,"intents":[{"intent":"Understand goals and objectives","confidence_score":0.17282268}]},{"text":"What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds. One from a settlement through your separation with your ex partner. Yes.","start_word":158,"end_word":198,"intents":[{"intent":"Consolidate superannuation funds","confidence_score":0.13866948}]},{"text":"And you have some money from your settlement that you want to invest. So Yes.","start_word":200,"end_word":214,"intents":[{"intent":"Discuss settlement and investment","confidence_score":0.001021285}]},{"text":"in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you Okay. Yeah.","start_word":215,"end_word":250,"intents":[{"intent":"Obtain overview","confidence_score":0.0014296947}]},{"text":"With you mentioned with your current job, your income is less than your Yep. expenses by how far?","start_word":1120,"end_word":1137,"intents":[{"intent":"Review income and expenses","confidence_score":0.023050671}]},{"text":"And I do I am open to changing my job because it there's a number of reasons why that isn't working as well. But, look, this is just the job that I found that would work me being a single mom last year and what I could work in with picking up and dropping off my kids from school without having to pay childcare fees and that kind of thing. No.","start_word":1266,"end_word":1336,"intents":[{"intent":"Consider changing job","confidence_score":0.015943011}]},{"text":"And then also, he made my position redundant. And then now he's starting to cut back my hours a little bit, well, as he is with every casual employee at the moment because I'm in insurance industry, so things quietened down sort of between, like, June and October. Mhmm.","start_word":1352,"end_word":1400,"intents":[{"intent":"Consider reducing hours","confidence_score":0.012059968}]},{"text":"What I'm gonna do following this meeting is you mentioned you're gonna have a look at your cash flow and stuff over the next couple of days.","start_word":1468,"end_word":1494,"intents":[{"intent":"Check cash flow and fund investments","confidence_score":0.00041669558}]},{"text":"Child support is paying for the school fees. Okay.","start_word":1559,"end_word":1567,"intents":[{"intent":"Inquire about child support","confidence_score":0.02857806}]},{"text":"And what's your part is it David Eastman is your Yep. partner? Yep.","start_word":1595,"end_word":1607,"intents":[{"intent":"Confirm identity","confidence_score":0.04877291},{"intent":"Identify new partner","confidence_score":0.00013472694}]},{"text":"So I've got all the details down here as your current role as an insurance clerk.","start_word":1714,"end_word":1729,"intents":[{"intent":"Verify current position as insurance clerk","confidence_score":0.000016775039}]},{"text":"How many hours per week do you think you do now?","start_word":1776,"end_word":1786,"intents":[{"intent":"Update hours","confidence_score":0.58428574},{"intent":"Provide information","confidence_score":0.028276585}]},{"text":"Well, it's only just this week that he asked me to do three days.","start_word":1787,"end_word":1800,"intents":[{"intent":"Ensure attendance","confidence_score":0.000048783466}]},{"text":"Should we leave it at twenty five to thirty or and just see how it goes? Or Yeah.","start_word":1840,"end_word":1857,"intents":[{"intent":"Change schedule","confidence_score":0.0356175}]},{"text":"And that's the cash you're looking at investing. Yep.","start_word":1975,"end_word":1983,"intents":[{"intent":"Check cash investment","confidence_score":0.0012871226}]},{"text":"I'd probably be comfortable with a 150. Yep.","start_word":1997,"end_word":2004,"intents":[{"intent":"Ensure appropriate amount","confidence_score":0.00017332588}]},{"text":"And insurance wise, you've got some insurance some life and paper day insurance in Australian Super that I can see. I'll get the details off Maddie. Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment?","start_word":2026,"end_word":2068,"intents":[{"intent":"Identify insurance options","confidence_score":0.00009462971}]},{"text":"Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment?","start_word":2052,"end_word":2068,"intents":[{"intent":"Obtain information on tpdd","confidence_score":0.0025593275}]},{"text":"I'm interested to know about required. those Yep. options and how much it changes Yep. anything to include them. Yeah.","start_word":2123,"end_word":2142,"intents":[{"intent":"Inquire about estate planning","confidence_score":0.006633813}]},{"text":"I'm gonna ask you a couple of probing questions on that, so I do apologize Yep. in advance.","start_word":2149,"end_word":2166,"intents":[{"intent":"Ask probing questions","confidence_score":0.19219966}]},{"text":"But are there any plans in the future to purchase a home, do you believe?","start_word":2214,"end_word":2228,"intents":[{"intent":"Inquire about future plans","confidence_score":0.17969437}]},{"text":"We could look at including an amount for your half of that for your children, so or for days, depending on how you wanna structure your estate planning to have that debt repaid. Right.","start_word":2335,"end_word":2368,"intents":[{"intent":"Ask about debt amount","confidence_score":0.008429431}]},{"text":"I have not thought about this. But Food for thought.","start_word":2471,"end_word":2480,"intents":[{"intent":"Confirm understanding","confidence_score":0.16355696},{"intent":"Express uncertainty","confidence_score":0.0010625898}]},{"text":"So, basically, once you get to that stage, you need to see a lawyer Mhmm. to make sure that everything is established correct and how you want it. So it might it might even be that the house goes today, that you have an insurance policy that is paid to your children. So Right.","start_word":2546,"end_word":2599,"intents":[{"intent":"Schedule appointment","confidence_score":0.00053599617}]},{"text":"those things are something that you and Dave would need to sit down and discuss and agree upon and then make sure your wills your estate planning reflected that.","start_word":2600,"end_word":2628,"intents":[{"intent":"Discuss will","confidence_score":0.09613908}]},{"text":"Whatever's in your will is what would be followed. Okay.","start_word":2920,"end_word":2929,"intents":[{"intent":"Discuss will","confidence_score":0.0031728782}]},{"text":"So it's kind Yeah.","start_word":3040,"end_word":3043,"intents":[{"intent":"Consider insurance","confidence_score":0.10212669},{"intent":"Discuss cash flow","confidence_score":0.0034542892}]},{"text":"So if something was to happen to you yesterday, if it was to her, how much do would you like per child to each child to receive Out of the money that I have?","start_word":3116,"end_word":3149,"intents":[{"intent":"Inquire about per-child's income","confidence_score":0.000064544234}]},{"text":"Just a you can give me a dollar figure if you like, I if have that no makes idea it nice what's and even easy. what's even possible.","start_word":3161,"end_word":3188,"intents":[{"intent":"Obtain percentages","confidence_score":0.00015450991}]},{"text":"Whatever the plans are, we review your insurances every year as well along with your superannuation balance and whatever other advice investment portfolio we we manage on your behalf. So we are absolutely able to increase and decrease covers as we see fit and as per the recommendations from our discussions with you.","start_word":3446,"end_word":3498,"intents":[{"intent":"Evaluate insurance options","confidence_score":0.004315091}]},{"text":"So with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena? Yeah.","start_word":3690,"end_word":3714,"intents":[{"intent":"Evaluate investments","confidence_score":0.03919705}]},{"text":"So, yeah, I can definitely help to look at the superannuation side of things, consolidating it, getting it into a fund that is not Australian retirement or rest. Yeah.","start_word":4129,"end_word":4157,"intents":[{"intent":"Discuss superannuation","confidence_score":0.24404159}]},{"text":"I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame.","start_word":4177,"end_word":4205,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.01685494}]},{"text":"I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame. Okay.","start_word":4177,"end_word":4206,"intents":[{"intent":"Recommend portfolio investments","confidence_score":0.013706548}]},{"text":"And look at I'll also look and compare against other industry funds. I'm gonna make some recommendations based on a couple more questions I'm gonna ask you in a moment to get an idea of your risk profile of how we do Uh-huh. invest your funds. But then but then, also, I'm gonna look at making recommendations Yep. for an insurance protection plan. Are you comfortable with that? Okay.","start_word":4207,"end_word":4275,"intents":[{"intent":"Analyze risk profile","confidence_score":0.033915486}]},{"text":"what is your how would you rate your willingness to take financial risk? Would it be very high, high, average, low, or very Average. low? Yeah.","start_word":4293,"end_word":4318,"intents":[{"intent":"Assess willingness to take risk","confidence_score":0.010360958}]},{"text":"How would you describe your experience and understanding of investment markets? Would it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at first? Sorry.","start_word":4339,"end_word":4390,"intents":[{"intent":"Explain investment experience and risk benefits","confidence_score":0.0000041733615}]},{"text":"Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital? So longer than ten years, between seven to nine, four to six, two to three, or two years.","start_word":4495,"end_word":4546,"intents":[{"intent":"Discuss investment process and duration","confidence_score":0.0013225528},{"intent":"Discuss superannuation process","confidence_score":0.030007299}]},{"text":"Investments can go up and down in value. How much of a drop in your investment value over a year would you start to worry?","start_word":4668,"end_word":4692,"intents":[{"intent":"Discuss investment value","confidence_score":0.39155835}]},{"text":"Have your investments, including superannuation, ever dropped in value? And if yes, how did it make you feel?","start_word":5031,"end_word":5048,"intents":[{"intent":"Assess portfolio value","confidence_score":0.13869093}]},{"text":"Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record?","start_word":5050,"end_word":5072,"intents":[{"intent":"Evaluate investment mindset","confidence_score":0.00069218257}]},{"text":"So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets. Compared to what?","start_word":5426,"end_word":5453,"intents":[{"intent":"Assess portfolio requirements","confidence_score":0.0072277244}]},{"text":"So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use Yeah.","start_word":5789,"end_word":5822,"intents":[{"intent":"Evaluate investments","confidence_score":0.021567233}]},{"text":"So that caused us probably a whole year of financial pain Mhmm. while I was at home with small children. Yep.","start_word":6262,"end_word":6282,"intents":[{"intent":"Express concern about financial troubles","confidence_score":0.000001426048}]},{"text":"So do you think you would be comfortable somewhat comfortable cautious of the risks, or you'd be careful with your borrowings understanding its risks moving forward, yeah.","start_word":6487,"end_word":6513,"intents":[{"intent":"Complain about risks and future investments","confidence_score":6.173022e-11}]},{"text":"Would you be somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, very wary very wary of risks, and worried about borrowing due to the significant risks. It's somewhere between the second one and the third one. Yep.","start_word":6575,"end_word":6618,"intents":[{"intent":"Discuss risk tolerance","confidence_score":0.08195137}]},{"text":"It gives me an overview of your risk tolerance. So what I'm gonna do is explain to you how that has come out. You've come out as what we describe as a balanced growth investor. Okay.","start_word":6690,"end_word":6725,"intents":[{"intent":"Explain risk tolerance","confidence_score":0.29230127},{"intent":"Clarify risk tolerance","confidence_score":0.0011128985}]},{"text":"You've come out as what we describe as a balanced growth investor. Okay.","start_word":6713,"end_word":6725,"intents":[{"intent":"Explain balanced growth investor","confidence_score":0.021658517}]},{"text":"What a balanced growth investor is is when we look at investing, we talk about the growth investments being so those growth being your shares that produce growth and income, having about 70% of your superannuation balance attributed and invested in that area with approximately the remaining 30% in your fixed fixed interest. So it's cash and bonds and those types of things. Over Thank the long you.","start_word":6778,"end_word":6845,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.0899283}]},{"text":"with a likelihood of a negative year, one in every six years being negative, and then a minimum time frame for investment of at least five years to outlast that volatility that we have touched on the market volatility. Growth portfolio is the right thing to do for the time being.","start_word":6879,"end_word":6929,"intents":[{"intent":"Discuss investment timeline","confidence_score":0.0053785318}]},{"text":"once you have some more exposure and you see how the portfolio works and you you have a little bit more comfort with how how it works, we could look at increasing your exposure to growth assets then.","start_word":6945,"end_word":6982,"intents":[{"intent":"Update portfolio information","confidence_score":0.0040886793}]}]},"sentiments":{"segments":[{"text":"Hello. Holly speaking. Hi, Holly. This is Jenna Phoning from Oakview Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15534569323062897},{"text":"Good. Thank you, Jenna. How are you? I'm very well. Thank you.","start_word":16,"end_word":27,"sentiment":"positive","sentiment_score":0.5198964476585388},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. Sure.","start_word":28,"end_word":55,"sentiment":"neutral","sentiment_score":0.05936715379357338},{"text":"Wonderful.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.34917789697647095},{"text":"And, Holly, I just need to ask you to please confirm your full name, My full name is probably Nellie Smith. date My date of of birth is twenty seventh of the third birth, 1986. Did you and say address for the third one? address. Yes, please. 16 O Golden Road, Avenue Park.","start_word":57,"end_word":109,"sentiment":"neutral","sentiment_score":0.03400806710124016},{"text":"Wonderful. Thank you for that.","start_word":110,"end_word":114,"sentiment":"positive","sentiment_score":0.4707617163658142},{"text":"I am phoning today to have an initial discussion about the reasons that you're seeking advice and how we may be able to help and understand your goals and objectives. Do you have time for that today? Yes. Wonderful. Alright. Thank you, Holly. What I probably would like to I've read the notes of the initial reasons that you've re you've reached out is to consolidate your two superannuations two superannuation funds. One from a settlement through your separation with your ex partner. Yes. Mhmm. And you have some money from your settlement that you want to invest. So Yes. in your own words, can you kind of just give me an overview of what you're hoping to achieve, what it is that you wanna do, just so I understand from your from you Okay. Yeah. That's all correct that you said. I have only about 15,000 directly. dollars of my own super in what became a Australian retirement trust. And then when the separation happened last year I separated in January. The separation of assets and finances only was completed about December last year, and they automatically set up another rest super fund Yep. for me, which I don't really know how that works. But, obviously, rest, they did it that way. Okay. So I'd like to put those two together and potentially not in either one of those existing super funds Yep. and one that is better. And Yes. I know Yep. nothing about that, so that's why I'm reaching out to you guys. Okay. Yeah. So, yeah, that's the first part. And the second part is, yeah, I in my current job, I am kind of going backwards on finances being that my expenses are more than what my job pays, and I do have savings that I would like to be putting to possible investment properties or something like that can that can be earning me extra income. Okay. Alright. So alright. Couple of things here that I'm just gonna break down a bit further with you. We still haven't received through the fund information from rest, which we're waiting on. Oh, Do you know I sent that the other day. oh, you did? Yes. Okay. Maybe it hasn't been updated on my end. Let me have a quick squeeze through the folder. I'm going to Madison. yeah. Okay. Alright. She may not have just updated my sheet for me. That's okay. I can get it from Maddie post the meeting, so that's fine. So what I'm gonna do is I'm gonna explain different type of superannuation funds. This may give you it's it's I'm gonna keep it really simple Yes.","start_word":115,"end_word":559,"sentiment":"neutral","sentiment_score":0.0817253061392334},{"text":"because I I feel like too much information overwhelms.","start_word":560,"end_word":568,"sentiment":"negative","sentiment_score":-0.5378881692886353},{"text":"Uh-huh. Yep. So the type of funds that you're currently invested in are called industry funds. Mhmm. They typically can be cheaper on fees. Your funds are invested in a pooled asset, so you don't own any of the actual investments. You just own a portion of that fund. You're a member of that that fund. So if there's 10,000,000 invested in the balanced option, for example, you're a member of that, and you're allocated a portion of it because it's all pooled funds. Right. The type of assets that investment industry funds invest in are very similar to what we invest in with the one variation being that they do typically have a allocation both of these funds to what we call unlisted assets, which means, put it simply, if you look at the share market, that's considered Yes. listed. So you can look it up daily and get a daily price. An unlisted asset is not listed, and it might be, for example, a Australian Retirement Trust owns Helensvale Shopping Center, and that's valued annually, for example. Right. So your the values are not transparent, and they're periodic. So the reason why I personally steer clear of unlisted assets is for liquidity purposes Yep. and valuation transparency. Given that you've got quite a fair bit of time to retirement and retirement being I say retirement being 60 to access your super on today's legislation, twenty years, But having exposure to those assets is not necessarily a bad thing, given your time frame. Yep. The other type of investment, oh, platform or option for superannuation is a retail slash wholesale fund. And they're with the likes of some of the bigger names you might have seen is, like, MLC or what's another common one that's always out there? AMP or Yeah. those Okay. types of companies. The companies that we look at, we have an open APL, which means that we can look at anyone and everyone as long as it suits our clients' best interests. Yes. And, you know, we would compare your current funds against any other one we considered. I note that you don't wanna keep either one of those. Are Yep. you open to any other type of industry fund, or do you want something with a bit more control where you can see what you're invested in. I don't really know. That's kind of Yeah. why I want your advice on Okay. which way is the best way to go for what I for my situation. Yep. Okay. Alright. Is fees a significant issue for you in superannuation? So fees, I mean, like, industry funds typically would cost a little bit less in investment fees, whereas a retail slash wholesale fund might be a little bit more, but you've got access to a large a significantly larger range of investment options that we can that can diversify your portfolio more. So, basically, if you think of that old saying, don't put all your eggs in one basket. Yeah. Not that an industry fund does.","start_word":569,"end_word":1078,"sentiment":"neutral","sentiment_score":0.05861475467681885},{"text":"They do diversify, but you have greater diversification in a fund that provides you with a large range of investment options.","start_word":1079,"end_word":1099,"sentiment":"positive","sentiment_score":0.4428783059120178},{"text":"Okay. I don't really know. That's alright. We'll we'll circle back to that in a moment. That's Yep.","start_word":1100,"end_word":1117,"sentiment":"neutral","sentiment_score":0.03663785383105278},{"text":"absolutely fine.","start_word":1118,"end_word":1119,"sentiment":"positive","sentiment_score":0.4484279751777649},{"text":"With you mentioned with your current job, your income is less than your Yep. expenses by how far? Well, that's something I need to revisit and get a clearer picture on in the next few days is my was my plan for that. Look. Probably, if I just did the basics, it would cover things. Mhmm. But my kids go to a private store. Those fees are paid for by their dad, but there's often things that come up, Yes. instruments, things like that. If I wouldn't be including any, like, entertainment, birthdays, gifts, Mhmm. holidays, anything like that, it would be very basic in terms of what I actually cover. At the moment, I'm using, like, savings, that big chunk of money from the separation to kind of supplement that, but I don't wanna keep doing that for for a long time. Okay. I understand. And I do I am open to changing my job because it there's a number of reasons why that isn't working as well. But, look, this is just the job that I found that would work me being a single mom last year and what I could work in with picking up and dropping off my kids from school without having to pay childcare fees and that kind of thing. No. I Currently can't platelet. yeah. I'm currently at casual. I wasn't. My boss changed that. And then also, he made my position redundant. And then now he's starting to cut back my hours a little bit, well, as he is with every casual employee at the moment because I'm in insurance industry, so things quietened down sort of between, like, June and October. Mhmm.","start_word":1120,"end_word":1400,"sentiment":"neutral","sentiment_score":-0.0902119055390358},{"text":"But I there's other reasons as well, but I can't really afford to be only working two days a week.","start_word":1401,"end_word":1420,"sentiment":"negative","sentiment_score":-0.3642812669277191},{"text":"Understand. Yeah. Yep. Yep. Okay. So are you looking for other jobs at Not just yet. This is only a recent development, but, yeah, I have just just realized that that's probably what I'm gonna have to do in the next little while. the moment? Okay. Alright. What I'm gonna do following this meeting is you mentioned you're gonna have a look at your cash flow and stuff over the next couple of days. I'm gonna send you through a tool. It's a spreadsheet that will just help you fill it in.","start_word":1421,"end_word":1512,"sentiment":"neutral","sentiment_score":0.037767373187386474},{"text":"It's Yep. very transparent, simple, very simple.","start_word":1513,"end_word":1519,"sentiment":"positive","sentiment_score":0.5172654986381531},{"text":"And that will also help us with the investment of funds, understanding how much additional income you need. So that will tie in with the investment side of things Yeah. and funding that. Do you get any child support? Child support is paying for the school fees. Okay. Alright. Yeah. So, Yep. yeah, Alright.","start_word":1520,"end_word":1573,"sentiment":"neutral","sentiment_score":0.12396014481782912},{"text":"Beautiful.","start_word":1574,"end_word":1574,"sentiment":"positive","sentiment_score":0.4426038265228271},{"text":"Okay. Alright. I don't I get any Centrelink payment anymore because my partner moved yeah. Okay. Alright. in. Alright. Alright. And what's your part is it David Eastman is your Yep. partner? Yep. Yep. Now I have here your mom as your next of kin. That's still correct? Yep.","start_word":1575,"end_word":1623,"sentiment":"neutral","sentiment_score":-0.018252767622470856},{"text":"Fantastic.","start_word":1624,"end_word":1624,"sentiment":"positive","sentiment_score":0.5400425791740417},{"text":"And you have three beautiful children, 15, 12, and eight? Correct. Oh, Plus Dave's two. sorry? Plus Dave's two children. Oh, wow. So you're all living On and off. It's a bit together of a on revolving a yeah. door. I understand. They Yep. yeah. Oh, wow. Busy, They spend busy time house. with yeah. And it's not very big, but it's it's good enough. We have five bedrooms, so it it works. And not everyone's here all at once. So Yep. yeah. Yep. Fair enough. Fair enough. Alright. So I've got all the details down here as your current role as an insurance clerk. Mhmm. It when you completed this with Maddie, it it seems like you were doing twenty five to thirty hours per week, but that sounds like it's reduced a fair bit Just recently. Yeah. just recently. Yep. Yeah. I'm going to do I might update those. How many hours per week do you think you do now? Well, it's only just this week that he asked me to do three days. Okay. And so I'm doing it's still going to be about twenty four because I'll do eight hang on. Seven and a half hour days times three. So twenty two and a half hours, I guess, this week. Okay. Should we leave it at twenty five to thirty or and just see how it goes? Or Yeah. Because it might change back. At the moment, that is the average. okay. Alright. I'll just leave it as is for now. And your income I have down is $43,810 as a gross. Yeah. That would have So been the last financial year, I think. Or maybe I've looked at a pay slip and that's what yeah. Yeah. That would be right. From the from the Yep. financial year that just ended. Okay. And I've got here your expenditure is your whole wage minus about 100 to $150 a week. Yeah. I think that was Dave's estimate. Yep. Yep. Okay. K. And I've got a Kia Carnival at $18,000 and cash Mhmm. at a $195,000. Yep. Okay. And that's the cash you're looking at investing. Yep. At with that amount, how much are you looking at investing of that? I'd probably be comfortable with a 150. Yep. It's good to keep a buffer for emergencies Yeah. always. Okay. So I've made a note of that.","start_word":1625,"end_word":2022,"sentiment":"neutral","sentiment_score":0.028814925486923913},{"text":"That's absolutely fine.","start_word":2023,"end_word":2025,"sentiment":"positive","sentiment_score":0.3858751952648163},{"text":"And insurance wise, you've got some insurance some life and paper day insurance in Australian Super that I can see. I'll get the details off Maddie. Are you looking at seeking advice on life insurance, TPD, income protection, and trauma at the moment? What's TPD? TPD is total and permanent disablement. So the simplest way to explain that, and it sounds horrible, but, basically, if you are bedridden and unable to work ever again, it's a lump sum payment that is paid to you to help with ongoing medical expenses and care that may be Okay. I'm interested to know about required. those Yep. options and how much it changes Yep. anything to include them. Yeah.","start_word":2026,"end_word":2141,"sentiment":"neutral","sentiment_score":-0.06200356139191266},{"text":"I can I can definitely do that?","start_word":2142,"end_word":2148,"sentiment":"positive","sentiment_score":0.5168138742446899},{"text":"I'm gonna ask you a couple of probing questions on that, so I do apologize Yep. in advance. That's okay. So in the event of your death or any of these events happening, let's refer to them as yesterday because we know that they did not happen. You don't presently have any debts, so we don't need to look at repaying debt at the moment. But are there any plans in the future to purchase a home, do you believe? Possibly. But we're nowhere near Yep. actioning any of that. But, yes, possibly. Okay. Do you think it would be five years plus away? Probably within five years. Or within? Because Yeah. the reason why I asked that question is if we go through underwriting today and you're completely healthy and you go you go through as no loadings or exclusions, what we would look at doing is potentially including an amount for future debt to be paid out. Yep. And if you and Dave purchased a property together, that's my assumption I'm making, so please correct me if I'm Yep. wrong. Not correct. Okay. Yep. We could look at including an amount for your half of that for your children, so or for days, depending on how you wanna structure your estate planning to have that debt repaid. Right. Okay. Because Yep. it so if I know this is a really difficult question to foresee or plan for, but if you were to purchase a house, how much do you think you're gonna be looking at spending? I reckon it's going to be at least I'd say between 800,000 and 1.1 or 1.2 maybe. Yep. And would you being a blended family, the estate planning comes into play with that, and it's very, very common. Would you have your half paid out ideally and the ownership transferred to your children, or would it go to Dave? What are your thoughts there? I have not thought about this. But Food for thought. so does What that I mean, might like, you know, a couple years in if I died, mhmm. then and he owns half the house. And if I opt for it to go to the kids, Mhmm.","start_word":2149,"end_word":2517,"sentiment":"neutral","sentiment_score":-0.0631958204637052},{"text":"that would maybe leave him in a state of having to sell the house because he can't afford to buy the others.","start_word":2518,"end_word":2539,"sentiment":"negative","sentiment_score":-0.4907508492469787},{"text":"Well, how does that work? Yeah. So, basically, once you get to that stage, you need to see a lawyer Mhmm. to make sure that everything is established correct and how you want it. So it might it might even be that the house goes today, that you have an insurance policy that is paid to your children. So Right. those things are something that you and Dave would need to sit down and discuss and agree upon and then make sure your wills your estate planning reflected that.","start_word":2540,"end_word":2628,"sentiment":"neutral","sentiment_score":0.06316716969013214},{"text":"But I think even though you don't have a house at the moment or or sorry.","start_word":2629,"end_word":2644,"sentiment":"negative","sentiment_score":-0.35134705901145935},{"text":"Debt at the moment, Yep. life insurance is a good option to provide funds for your children as a nest egg and to cover them as they continue to get older. Okay. There are ways to protect that against access from people you may not want to have access to it. Yep. And, again, that's done through a will to protect them. So having a will is something that we will discuss and will form part of the advice. Yep. If I was to look at your children's ages, their education is funded by their father. If is would you want a lump sum available per child if something happened in a few years that was a nest egg for them to fall back on, or would you like it calculated more as an income that they can draw on over a number of Good question. Probably years. Yeah. probably goes for the income one Yep. rather than I Yep. know you can do things like have the lump sum available only when they turn a certain age or Mhmm. that kind of Yep. thing, can't you? 100%. And that's dealt with through your will. So say, for example, you wanted $200,000 per child. Your life insurance policy would be directed to be paid to your estate, and then your estate would handle those funds per the child, which would then be if if access isn't until age 25, what happens is a testamentary trust is formed upon your disk, and the funds are held in trust as per your wishes in your estate, in your will. Alright. Until they turn that age. Yeah. Yeah. Whatever's in your will is what would be followed. Okay. And the reason you need to know these things now is why? From me from my perspective, I'm trying to see if we look at in having some insurance now in place that we can fund through your superannuation if cash flow is tight so that your children are protected and do have something to fall back on if, say, for example, you know, something happens to your ex husband as well and another somebody else ends up caring for them, there's funds there to replace to to to supplement the living expenses of your children while they're in being cared before by potentially another relative or something like that. So it's kind Yeah. of like Okay. covering Yep. your bases, preplanning for the the dreaded, but knowing that there's something in place should anything ever happen. Yeah. Okay. Well, in in that circumstance, then, yeah, I probably wouldn't want it locked away if they're needing to be if Yeah. they're needing So funds to yeah. be cared for. Yeah. So that can all be covered with a a solicitor when you do establish a will. So if something was to happen to you yesterday, if it was to her, how much do would you like per child to each child to receive Out of the money that I have? If out of a life insurance policy. As in, like, percentages? Just a you can give me a dollar figure if you like, I if have that no makes idea it nice what's and even easy. what's even possible. Alright. Let me do some What? fig yeah? Yeah. What's what's usual? What's There's no there's no usual or standard or anything like that. It's it's more about what you want them to have.","start_word":2645,"end_word":3222,"sentiment":"neutral","sentiment_score":0.01464342068442527},{"text":"There's no wrong or right answer. It could be that you're setting them up as a little nest egg to purchase a house in the future, or it might pay for university, or it it's what you it's kind of like a if you think of it as a legacy, what you wanna leave your children, if something was to happen to you while you're still continuing to build your wealth.","start_word":3223,"end_word":3293,"sentiment":"positive","sentiment_score":0.38074666261672974},{"text":"Okay. So an amount that this is gonna help you determine. Yeah. What my recommendations are, basically. That's why I'm asking Yeah.","start_word":3294,"end_word":3315,"sentiment":"neutral","sentiment_score":0.062328729778528214},{"text":"Oh, it's just really hard for me because I've just it's just nothing. Like, it's so foreign that I have not even questions.","start_word":3316,"end_word":3338,"sentiment":"negative","sentiment_score":-0.4239055514335632},{"text":"thought Yeah. about. And, And that's like, you don't know how you don't know how far away this is and how much things are gonna cost. Yeah. So what happens is is we index it. It's indexed each year. So life insurance policy are indexed by the insurance companies with CPI to keep up with the cost of living, which is one of the protection mechanisms that are in place. And let's say, in five years' time, for example, you have your house. You've got everything sorted out the way you want. The children don't need those funds because they may inherit the house or vice versa. Whatever the plans are, we review your insurances every year as well along with your superannuation balance and whatever other advice investment portfolio we we manage on your behalf.","start_word":3339,"end_word":3474,"sentiment":"neutral","sentiment_score":0.07407010346651077},{"text":"So we are absolutely able to increase and decrease covers as we see fit and as per the recommendations from our discussions with you.","start_word":3475,"end_word":3498,"sentiment":"positive","sentiment_score":0.4146135151386261},{"text":"So I'm happy to probably go away and probably just play with some figure if you like based on their ages and have a little bit of a play on a recommendation of Mhmm. insurance. Are you happy for me to do that? Yeah. Yep. I think so. Yeah. That Yep. might be better for me to get an idea, and then I can ask questions from there as to how to Absolutely. tweak it a bit. Yeah.","start_word":3499,"end_word":3576,"sentiment":"neutral","sentiment_score":0.18375878036022184},{"text":"Absolutely. I can do that.","start_word":3577,"end_word":3581,"sentiment":"positive","sentiment_score":0.4779722988605499},{"text":"Then reverting back to the investment options, we wouldn't look at anything like an industry fund for investments typically because they're not available. But, also, we need liquidity because you're gonna need to use this as a supplement to your income for a period of time. Do you think it will be long term or just Mhmm. just until you find some alternative work that will I I don't know. I Yep. look. The ultimate aim for Dave and I is is to go into investment properties, and then that becomes our income. And we basically just manage properties as our as our job. Yep. But Okay. yeah. So with that money that you're looking at investing, the $150,000, is that gonna be used in any manner to get into that arena? Yeah. That's the plan. Yep. Okay. So when we look at investing, what kind of time frame are you and Dave looking at doing this in? Starting to buy a property? Yeah. Hopefully, within the next six to twelve months. Okay. Okay. That changes things a fair bit in regard in regards to investing the money. When you invest similar to property, it's for long term growth Yep. and income generation. When we look at investing money in a portfolio, the same applies, and a minimum time frame is always recommended. So for a gross type portfolio, for example, that on average returns between seven to 9% per annum, you'd have a minimum time frame of investment for six years to actually see that and realize that. If you have alternate plans for those funds to move into the property market within a six to twelve month period, investing those funds is not something that Yeah. I would recommend because you're going to the the issue is is that you're gonna invest those funds and then withdraw them, and there'll be capital gains tax potentially if Yep. there's a gross. It could be you know, you could invest, and there could be a market dip, and you've lost money. Yep.","start_word":3582,"end_word":3923,"sentiment":"neutral","sentiment_score":-0.02276985719799995},{"text":"So we don't recommend investing for short term.","start_word":3924,"end_word":3931,"sentiment":"negative","sentiment_score":-0.3939734995365143},{"text":"If it is a six to twelve month, the ideal option would be a high interest cash account, a term deposit where your funds are not at risk of market movement. Yep. Okay. Movement. Yep. Does that make sense? Yeah. Because our our job is to always make sure that you any recommendation or advice that we provide you with is to put you in a better financial position. If that Yep.","start_word":3932,"end_word":4003,"sentiment":"neutral","sentiment_score":-0.03631438578789433},{"text":"money is parked for another project or wealth creation goal, it would not be in your best interest to invest that money in a portfolio.","start_word":4004,"end_word":4028,"sentiment":"negative","sentiment_score":-0.4048286676406861},{"text":"Yep. That's fine. Yeah. So, really, we're just talking about super then, if that's Super the case. and insurance. Yeah. Yeah. Yeah. Yep. Now if that goal ever changes regarding property, most certainly, we can look at investing it.","start_word":4029,"end_word":4067,"sentiment":"neutral","sentiment_score":-0.05539524555206299},{"text":"But given that that's a pretty short term goal we would be able to work towards work towards achieving, I think that should be I wouldn't be comfortable providing advice and it putting you in a better off position. Yeah. I I feel like it would it would put you in a worse off position.","start_word":4068,"end_word":4122,"sentiment":"negative","sentiment_score":-0.4975268542766571},{"text":"Yeah. I I understand that. Yeah. So, yeah, I can definitely help to look at the superannuation side of things, consolidating it, getting it into a fund that is not Australian retirement or rest. Yeah. Dave, what does Dave have? Have you looked at Dave's, for example? No. I have not. No? That's okay. I'm going to look at more of a diversified portfolio for you that's going to give you opportunities for more growth over the long term given your time frame. Okay. And look at I'll also look and compare against other industry funds. I'm gonna make some recommendations based on a couple more questions I'm gonna ask you in a moment to get an idea of your risk profile of how we do Uh-huh. invest your funds. But then but then, also, I'm gonna look at making recommendations Yep. for an insurance protection plan. Are you comfortable with that? Okay. Alright. So I apologize. These questions are some Yep. the first So the first question is, Okay. what is your how would you rate your willingness to take financial risk? Would it be very high, high, average, low, or very Average. low? Yeah. Okay. And how familiar are you with investment markets? So No. are you com not. That's okay. Not familiar. Easy. How would you describe your experience and understanding of investment markets? Would it be positive investing experiences and and understanding fluctuations, learned risk reward balance from negative experiences, an investment novice naturally cautious, mixed investment results have heightened your loss avoidance or past losses have left you extremely loss at first? Sorry. There was one there that said novice, and Yep. then there was Yep. one after it. What was the one after it? The one after it was mixed investment results have heightened your loss avoidance. No. I was just saying novice. Yep. Okay. What is the most ingress aggressive investment you have ever made? Direct shares, managed funds, investment property, your own home, or a high interest bank account? Okay. What was the question again? What is the most Aggressive investment you have ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account. Investment property. Yep. Okay. Once your investments have been placed, and we're talking about superannuation here because we're not looking at an investment plan presently, how long would it take for you to need to access the capital? So longer than ten years, between seven to nine, four to six, two to three, or two years. You might have to explain to me what Capital is? Capital is the balance of your superannuation. So given that you're twenty one years away from preservation age twenty years away. Sorry. The answer to that question in relation to superannuation would be longer than Yeah. Yep. ten years. Yep. Okay. So inflation means things are getting more expensive over time, making Yep. today's money worth less. How much risk are you willing to take to keep up with the rising prices? Number one, willing to accept a very high risk. Two is willing to accept high risk. Three is willing to accept moderate. Four is a small amount of risk, and five is unwilling to take any risk. Moderate. Yep. Investments can go up and down in value.","start_word":4123,"end_word":4675,"sentiment":"neutral","sentiment_score":-0.06628876570005907},{"text":"How much of a drop in your investment value over a year would you start to worry?","start_word":4676,"end_word":4692,"sentiment":"negative","sentiment_score":-0.4013217091560364},{"text":"So we're talking about superannuation at the moment. Mhmm. More than 50%, up to 50%, up to 25%, up to 10%, or up to five percent. Would I start to worry? Up to 25%. Yep. Okay. And this is a very similar question. How would you feel if in six months after investing, you found out that your portfolio decreased by 20% due to the movement the market movement, so the up and down. Would Mhmm. you invest more for growth, hold and wait for an improvement, shift your assets to more defensive assets to minimize your loss, or convert to cash to stop losses. After six months, probably just holding right. Yep. Okay. What kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, two to four, or zero to two? Sorry. Say question again? What kind of investment return would you expect to receive over the long term? So 8% or above per annum, six to 8% per annum, four to six, two to four, or zero to two.","start_word":4693,"end_word":4876,"sentiment":"neutral","sentiment_score":-0.06213925183629212},{"text":"Well, I spoke to Dave and mine is at seven, and he said that's not that good.","start_word":4877,"end_word":4893,"sentiment":"negative","sentiment_score":-0.4907137453556061},{"text":"So based on It's that, just I I would say over eight, but Yep. I really That's don't know. okay. Yep. The markets look. It's gonna vary every single year. It's the long term return. So Yeah. people do do tend to fixate on the annual return, but it's the it's the it's the long term averaged out return. So for example, one year, your portfolio might do 5%. But in the last three years, it's averaged out 13% each year. It's the long term return that we're looking Yeah. for I think it said in investments. Yeah. I think it said something like an average of seven point something over a 10 period. Yeah. Yeah.","start_word":4894,"end_word":5009,"sentiment":"neutral","sentiment_score":-0.0787566602230072},{"text":"So that's no. That's not ideal. No.","start_word":5010,"end_word":5016,"sentiment":"negative","sentiment_score":-0.5433733463287354},{"text":"Yes. We would definitely look at look at that. Only a couple more questions. Have your investments, including superannuation, ever dropped in value? And if yes, how did it make you feel? Were you optimistic about future investments, cautious with no further investments planned, concerned, highly anxious, or seeking to maintain a loss free record? To be completely honest with you, I don't know if it's ever dropped. Yep. If it if it did, would you be concerned? Would you be anxious? Would you just watch and wait and be cautious, or would you be optimistic about the future? Well, like, it depends how how long I forget what you said in the question, how long it's Yep. been and how long I've got to go, that kind of thing. But, generally, I'm not gonna get worried over a short term kind of Yep. change. If it Yep. was, like, you know, like, fifteen years or something of it not picking back up again, then, yeah, I'd be pretty concerned in wanting to change it. Yep. But I I am aware that things fluctuate, so I'm not going to act quickly on things that go up and down a little bit. Yeah. Well, we wouldn't be doing our job if we left at fifteen years. Exactly.","start_word":5017,"end_word":5232,"sentiment":"neutral","sentiment_score":-0.1498755227636408},{"text":"We we'd be in a bit of trouble.","start_word":5233,"end_word":5240,"sentiment":"negative","sentiment_score":-0.40296801924705505},{"text":"Alright. So how much risk are you willing to take to get the return you want? So max return regardless of risk, high return oh, sorry. High risk for big returns, moderate risk for good returns, minimal risk for slight returns, or safety first. Moderate risk. Moderate? Okay. Okay. What kind of income do you expect to get from your investments in the future? So an example of capital growth is a share price increasing over time. So that's the fluctuation in the market movement that we see. And an example is of income is the dividend. So the dividend that's paid or a cash into a Mhmm. bank account. So the kind of in so referring this to superannuation and making it relevant is in with your super fund, what kind of income do you expect to get from your investments in the future? At the moment, given you're twenty years away, is it capital growth only, no income, minimal income, mostly capital growth, a balance of income and capital growth, high income with some capital growth, or all income, no capital growth. So it's basic breaking it down, it's asking the question of how much exposure do you want to growth assets compared to your defensive assets. Compared to what? Sorry. Your so your growth assets, your shares So you when, you know, when you look at the the ASX and on the news Yeah. and they talk about all the ups and downs and the volatilities and, Uh-huh. you know, the HP is up whatever percent, They're Yeah. your they're your growth assets. Your defensive assets are fixed interest and cash. So when we build a portfolio for your superannuation, you'll have a combination of both in your portfolio. Basically, this question's asking, based on your age now and proximity to access your funds, which is twenty years, do you want more exposure to growth assets to grow your funds over the longer term, or do you want more income producing defensive assets that is gonna produce income but not but very minimal long term growth? So where does the income come into super? Is Income that money you can access? no. No. So when we refer to income in this respect, it's from your defensive portfolio. So if you think of a term deposit, I'm just gonna use a term deposit as Yeah. an example, it pays interest. Yeah. That in the investment market is termed as income. It's not gross. So you haven't you don't have any gross opportunity in a in a fixed in a term deposit, it produces an income for you only, which is a return of cash, basically. Whereas a share, for example, if we look at CBA, Uh-huh. the if you purchase the CBA share at $100, and in five years' time, that share was worth $200, Yep. your gross is $100 per share. That's a gross. So it's grown in value over time. Okay. But with a share, you also have an income component, which is the dividend. So it pays you a dividend usually on a quarterly basis, and it would be it would it might be, I don't know, $5 per share you hold Yeah. or something like that. And that's the income component. So when you're invest when you're looking at your superannuation, do you want more exposure to those assets that create you with the opportunity for growth, like the CBA share share I use Yeah. as an example, or do you want it more in a term deposit type investment for the example I explained to you? My feeling is the gross one. Yes. Okay. So now we've then when we look at that, would you want it in capital gross only with no income or minimal income with mostly capital gross or a balance of both? I have no idea what's the better. Either one of those sounds good to me, but I does it mean that one is like, if you've got some income coming in, does that mean the growth isn't as big? Correct. Okay. So minimal income, the one that says that, but still mostly growth. Yep. Yep. Okay.","start_word":5241,"end_word":5939,"sentiment":"neutral","sentiment_score":0.012423837942488287},{"text":"Beautiful.","start_word":5940,"end_word":5940,"sentiment":"positive","sentiment_score":0.5164104700088501},{"text":"The next question is, have you ever thought about taking out a loan to invest? I know that you said you've done an investment property before, and you're looking Yeah. at doing it again. But have you ever thought of borrowing money to invest in shares, or is it just an investment property? Never thought about it with Shiv. No. Yep. Okay. That's fine. And then the last question is thinking about your last answer, how did taking that loan out to invest make you feel for an investment property? Were you comfortable and aware of the risks, somewhat comfortable, cautious of the risks? You are careful with your borrowing and understand the risks associated, you are hesitant, or you were worried about the borrowing due to significant Okay. I might just explain risks? to you very quickly the situation, and that might explain Yep. my answer. But Okay. at the time, my ex husband and I already owned the property. Oh, Yep. well, we're paying it off. And this idea came from someone that he met, and then it was, like, a broker who finds the investment property for you and basically does the leg work, and you just invest in it. For Mhmm.","start_word":5941,"end_word":6145,"sentiment":"neutral","sentiment_score":0.0006908221403136849},{"text":"some reason, I had a lot of gut instinct telling me it wasn't a good idea.","start_word":6146,"end_word":6161,"sentiment":"negative","sentiment_score":-0.39313095808029175},{"text":"I tried Yep. to put it off and put it off. Although, I do like the idea of having an investment property, and we had done that before because we turned our home that we were living in when we moved to another home. We we turned that original one into an investment property and rented it out. Yep. And that didn't go well at all because of the way Mhmm. it was set up.","start_word":6162,"end_word":6236,"sentiment":"neutral","sentiment_score":0.03117689569791158},{"text":"We ended up not knowing that we had to pay a whole lot more in repayments because of the way Mhmm. it was set up. So that caused us probably a whole year of financial pain Mhmm.","start_word":6237,"end_word":6273,"sentiment":"negative","sentiment_score":-0.45883214473724365},{"text":"while I was at home with small children. Yep.","start_word":6274,"end_word":6282,"sentiment":"neutral","sentiment_score":-0.21152830123901367},{"text":"And maybe that's what caused me to be really quite anxious about the second one, but I just did not have a good feeling about it. And then body corporate fees became an issue.","start_word":6283,"end_word":6316,"sentiment":"negative","sentiment_score":-0.38863781094551086},{"text":"We end up selling that in the second investment property. It Mhmm. was a unit not long after, maybe six to twelve months. Maybe a bit about twelve months after we bought it. Luckily, it had grown enough to to cover the capital gains, I think it was, that we had to so we didn't actually come out at a loss. Mhmm. But yeah. So there's the circumstances where I would probably be hesitant, but at the same time, that was a very different time for me and was was a different partner. I Yep. didn't I really didn't trust now that I look back, I didn't trust him, and I didn't trust his decision making and research processes. Whereas with Dave, I'm it's completely different. So I know that he's looked a lot into it. He's he's actually learning how to be a trader on the stock market now. He makes very careful decisions. He's good with his money, so it would be a different situation now. So Okay. So do you think you would be comfortable somewhat comfortable cautious of the risks, or you'd be careful with your borrowings understanding its risks moving forward, yeah. or Were would you they be two options? hesitant? Yeah. So there's five all up, so I'll read them out to you again. So if we think about the future plans of purchasing the investment property, Yep. how would you feel taking on a new loan for the investment property, would you be comfortable borrowing for it, aware of the risks? Would you be somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, very wary very wary of risks, and worried about borrowing due to the significant risks. It's somewhere between the second one and the third one. Yep. Somewhat So comfortable, some but also cautious. yep. So the the second one actually is somewhat comfortable, cautious of the risks. The other one is careful with borrowing, understanding its risks. It's it's hard, isn't it? They're very close. Yeah. Yeah. They are. Yep. Somewhat comfortable. Is it somewhat comfortable cautious of the risks? Yeah. Yep. That's yeah. That's one of the answers. Yeah. Yeah. Probably that one. Yep.","start_word":6317,"end_word":6687,"sentiment":"neutral","sentiment_score":-0.05651543456107137},{"text":"Okay. Fantastic. It gives me an overview of your risk tolerance. So what I'm gonna do is explain to you how that has come out. You've come out as what we describe as a balanced growth investor.","start_word":6688,"end_word":6724,"sentiment":"positive","sentiment_score":0.4209270179271698},{"text":"Okay. I I I believe in just our conversation, it's probably due to the fact that you haven't had much exposure to Yep. managing finances by the sound of it and being confident enough to make those decisions yourself. Yep. I'm just opening up a document so I can talk you through this. What a balanced growth investor is is when we look at investing, we talk about the growth investments being so those growth being your shares that produce growth and income, having about 70% of your superannuation balance attributed and invested in that area with approximately the remaining 30% in your fixed fixed interest. So it's cash and bonds and those types of things. Over Thank the long you. term, you would expect a return of between six to 8% per annum. So you're probably invested in something very similar to that at the moment with that 7% return you mentioned Okay. with a likelihood of a negative year, one in every six years being negative, and then a minimum time frame for investment of at least five years to outlast that volatility that we have touched on the market volatility. Growth portfolio is the right thing to do for the time being.","start_word":6725,"end_word":6929,"sentiment":"neutral","sentiment_score":0.05978225916624069},{"text":"Growth portfolio is the right thing to do for the time being.","start_word":6930,"end_word":6941,"sentiment":"positive","sentiment_score":0.3974830210208893},{"text":"I think Mhmm. once you have some more exposure and you see how the portfolio works and you you have a little bit more comfort with how how it works, we could look at increasing your exposure to growth assets then. But, again, that's just my my advice and my opinion. We if you feel like you wanna take more of a a step up and allocate, go the next one up, which is a growth investor, which is an 80% allocation to your growth assets and 20% to defensive assets, that again bumps up the annualized return of about seven to 9% per annum Right. that you would see. This is just a guide. It's not in writing. It's what we would statistically, what we look at long term. But that one is having a minimum of at least six years of an investment time frame. Yep. So no matter Absolutely. what you choose, you've got time on your side to withstand that wave of volatility that you're gonna experience no matter where your funds are invested. Yep.","start_word":6942,"end_word":7120,"sentiment":"neutral","sentiment_score":0.2117728590965271},{"text":"It's just really your comfort level of how how much exposure you want to those growth assets at the moment or or whether you wanna go high and watch how it goes or whether you just wanna start start and ease in. And as you grow confidence and understanding how the portfolio works and and having our having regular meetings and catch ups, we can look to increase exposure over time.","start_word":7121,"end_word":7191,"sentiment":"positive","sentiment_score":0.4028995335102082},{"text":"Okay. Alright. I think I'm gonna need some time to digest. Is there a It's way a you can lot. send me an email about what we've talked about? 100%. I will send you a summary email of our whole conversation and go over that.","start_word":7192,"end_word":7236,"sentiment":"neutral","sentiment_score":0.11548103392124176},{"text":"And so you've got the information there to be able to make an informed decision.","start_word":7237,"end_word":7251,"sentiment":"positive","sentiment_score":0.3792820870876312},{"text":"It's a lot to process, and it's not something that, you know, I'd expect you to make a decision right now on. Yep. Alright. What I'm going to do is I'm going to there's a few items on my end that I'll work on putting together. I'm gonna send you through a summary email of our conversation. There are some other details that I do need from you if you do wish to proceed, and that's copies of your ID. I'll send you through a link at a later date to complete a ID certification. So that's just to confirm who you are. You Yep. know, it's to do with anti money laundering rules. Yep. But we've got we've got a cross tick, which I'm sure you understand being Yep. in the insurance insurance business. Yep. So what I'll do is I'm gonna send you a summary email. I'll touch base with you next week, and this it will just outline next steps and and what we can do from here on in.","start_word":7252,"end_word":7424,"sentiment":"neutral","sentiment_score":0.1078782004944851},{"text":"Okay. Perfect. Alright. Thank Wonderful. you so Thank you, Holly. And I will just send this off to you, and I will speak to you much.","start_word":7425,"end_word":7450,"sentiment":"positive","sentiment_score":0.5968124270439148},{"text":"next Okay.","start_word":7451,"end_word":7452,"sentiment":"neutral","sentiment_score":0.2096126675605774},{"text":"Thanks, Jenna. week. Thank thank you so much for your time. No problem.","start_word":7453,"end_word":7465,"sentiment":"positive","sentiment_score":0.6043787002563477},{"text":"Bye. Okay. Bye.","start_word":7466,"end_word":7468,"sentiment":"neutral","sentiment_score":0.2629135549068451}],"average":{"sentiment":"neutral","sentiment_score":0.006137273098463981}}}}