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Everyone's gone down with a bit of a flu, so please excuse me. Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place. No worries. Are you okay for the call to be recorded for training and quality purposes? Awesome. And we don't have a security question on the file. Are you okay to confirm your date of birth and address, please? Perfect. Thank you so much, Sarah. Now I've popped that through. It should be either in your main inbox or in your spam box to your Gmail account. If you could just check that for me, please. No worries. It's a bit of a surprise. That's no worries. I'll I'll check your system in our CRM and make sure we've got the the text reminders. So that way, it should text you through back two hours before I will have a look see. Perfect. Just can you let me know the subject names of that email, please? Perfect. Okay. So either one should be okay. Seems to have done a bit of a double up. Now with the statement of advice, so I've actually attached it as an attachment to the email. So because it is like a like a doc DocuSign type system, there's a link there to actually go through and sign the document. But I just want you to open up the statement of advice with that lovely forest background if you can. And what you should see on that one, there's two there that say statement of advice. One is it's got like a beachfront setting, and it should say perfect. Alright. Now are you are you able to see everything? Is it nice and clear? It hasn't gone on blurry or small for you? Perfect. Alrighty. Now just before I jump in, can you please go to page let's go to your details on page eight. There's an about you section on page eight. Now it should be kind of like nine on the software, eight on the footer of the document. Perfect. Now everything that I've kind of based the advice on, we were doing a bit of a portfolio update. But at the time, you were still kind of working through maternity leave on half pay through work. I'm assuming the Centrelink maternity leave, that's kind of on its course now, or is that still there? That's right. Perfect. So outside of that, nothing really significant has changed. It's still just kind of going through, looking after the kids on maternity leave. Nothing else has changed since New Year. Oh, nice. Awesome. So it won't really impact the advice, but I will note down on your file that you started the placement. So congratulations on that. Awesome. Now if you could pop back up for me to the scoping section on page three. I just wanted to make sure those details were still correct. So just go through the scope of advice with you. So the main thing that we were doing is on your Netwealth account, when we had that review, everything was looking pretty good performance wise. The platform was good, has all the bells and whistles and features. No real significant changes to net wealth. They haven't up their fees or anything. It's nothing crazy. We were just optimizing your investments as the main scope. The other main area that's actually pretty important for you is the estate planning. If you recall, we were going through and updating your beneficiary nominations and also recommending to put a will in place. Does that kinda ring a bell? Awesome. Now I don't, no, I don't think we've gotten those documents back. So I have sent a request through to the team to kind of refresh them because those beneficiaries, they update them every year. If you send through an on form, they may actually reject it. That's all. Yes. It's gonna be website, so we'll send a web a hard copy. There'll always be a return envelope on there. We'll have a nice little cover letter there just making sure that you get a witness properly and all that kind of thing. Perfect. So that two thirds of this document actually talks about the estate planning, but the sum of it basically is we wanted to make sure those provisions for both children. So we want to put the superannuation aimed at your estate through a legal personal representative nomination. That way, when you put a will in place, you can kind of distribute it out to the children, and it's a bit more flexibility. Like, you can set up even a trust fund that triggers all that kind of thing. Perfect. For the investments sorry. For what we're not considering, on the next page, I've just put there the scope of advice not considered. Can you see that page on page four? Yep. So the things that we're sort of not doing in this advice piece is everything to do with the future goals for the super. So one of the things that we're talking about is that once you've kind of gone back to, like, finish the studying, finish maternity leave, We may look at taking on a bit more risk in the super, but at this point, we just wanted to keep everything kind of steady shift. And then long term, we haven't factored in, like, a specific retirement amount because, obviously, retirement's so far away, so many variables that when you get closer to that point, we'll find a good form. Awesome. Yeah. Absolutely. And that's why on the next page, I've just put the insurances as out of scope because we weren't looking to get any insurances at the time. We looked at some trauma cover. You have enough family assistance to draw down on. No need to get insurance in the box. Perfect. So the main sections to go through, if you wanna just flip through the document with me, page nine has your current situation. I just wanna make sure there hasn't been any big changes with the house value and mortgage at this point. I know it will be a little bit different. Perfect. Yep. No specific valuation. Yeah. Yeah. Yeah. I'll I'll keep it as is for now. We're not doing any debt management advice, and we're not trying to get investment properties, so that's okay. The next couple of pages just goes through your growth risk profile, which is that kind of four out of five on the risk scale. If you recall, we're kind of aiming for around about 80% of your super in growth assets. There's property gold, that kind of thing. So if you go down, the strategy recommendations on 12 is to obviously keep net wealth in place, rebalance a few options, and keep the contributions going there when they do come through from work, whether that's your current employer or the next one. Now Yeah. And that was one of the main things is we just wanna make sure so we can kind of pull it out of weight with the growth for the time being even if that's just for the next twelve to twenty four months. Perfect. There's a list of kind of advantages and disadvantages in the table on page thirteen and fourteen. The main thing is it kind of points out is that anytime we switch investments inside Super, Super pays like a a 15% tax rate as opposed to what you would pay personally. So investment growth is taxed at 15% if we switch investments as capital gains and all that kind of thing that we have to factor in as well as some brokerage fees to actually purchase the options themselves. So anytime, like, a contribution go in and they buy the investments, there's brokerage fees for ETFs. And if we do, like, sell half your portfolio and move it to different options, we have to factor in capital gains under the hood. It's something that's usually a bit more hidden in most super funds because they're price. But with Netwealth and a few wrap platforms, we actually have full control over, you know, offsetting gains and losses and that kind of thing. Correct. Yep. Absolutely. If I wasn't doing that, I wouldn't be doing my job properly. That's for sure. So if you go down to that next page on 15, there's a lovely table with a huge amount of figures on there and a lot of red if you can just have a quick look at the investments. The main thing here is that we're just switching out some of the underperforming options, Mainly, the second one in the road, which is the better long concentrated equities, that one's been that one's kind of been underperforming for a couple of years. So I'm replacing it like like for like with our Fendi. So lower investment fees, they've outperformed it one, three, five, and ten years. So it's just a straight up five step on that one. The other options, I won't go too much in-depth there, but we've we've kind of with the investment committee moved away from some of the kind of European and Japanese markets, a little bit more waiting towards the American and other international fees as well. There's a few extra options that I'm kind of rebalancing. The main one was just getting rid of that better option. K. Your asset allocation on the next page, there should be a colored pie chart there. And the main thing to point out here is that for a growth risk profile, you kind of want between 80 to 85% growth assets. You're currently at 85. The new portfolio kind of sits at about eighty, eighty one. So nothing significantly different there. They're both in line with the. Correct. So the fixed interest kind of aims for around about that four to 5%. Most of those options, they they do fluctuate, though. So some years it's two, some years it's seven, but four to five is the aim. Whereas your growth assets, they're all your double digits, 10, 15, 20%. So averaging it out, I think we're aiming for roundabout 9% on average. But if you go down to the next page, I've kind of given you a bit of an idea on the last five years averaged out. And there should be a table there called fee comparison. So top right, I've factored in the capital gains tax for switching the options within Nasuva, which is 1,600. The investment fees are about $2.60 less per year, but the performance difference goes from 8.28% to 12.73 over the last five years. Correct. So that's based on switching the investment. Yep. Correct. So that's four point four five after all fees, taxes, and premiums, which is no insurance premiums. And there's a bit of a projection able just below that, which gives you an indication of a five and ten years. If the markets continue the way they have been the last five years, this is kind of how it should look going forward. Of course, markets fluctuate, but that's a bit of an estimate for you. Perfect. The only last one there is the next table has all of the performance figures side by side over one, three, five, and ten years. And the only major issue that you have with the current option was because of that Benelon option weighted down, its twelve month performance was a bit flat compared to actually having some pretty significant growth. So if you can see that table label, the 02/18/2020 six, It just shows you the side by side. Oh, this is just a straight performance comparison going backwards over one, three, five, and ten years. Gotcha. So the current column is basically all the options that you've currently got with their current ratings, and the recommended column is the options that we've recommended you to switch to. And be correct. So yeah. So that is the I guess, with the seven or eight options that you've got and the seven or eight that we've recommended, if we actually average them out, that's how it would look going backwards. So that's pretty much it for the superannuation side of it because it's just the rebalance from growth to growth. Everything else in the rest of this document is your beneficiaries, will, and power of attorney all the way up until page 25, 26. I probably don't have to tell you why you should put in place a bill on the beneficiary nomination. It comes fine, but all of that's in there as general information as well. Perfect. No. That's all good. And, again, like I said, we'll send it through the hard copy with the return envelope, and it'll have a cover letter explaining how to do it. If you have any questions, just call the team. They can walk you through it over the phone. Yeah. Absolutely. Yeah. Absolutely. I actually got a updated report generated this morning for you, and I'll email that through separately to see you've got that there on file. Awesome. A bit of forewarning. It has actually dipped down quite a bit recently. All of the things that happened over Christmas, everything's kind of going into negative. So it's probably a good time to be updating a few things for sure. Bit of both. So everything that's kind of happened with the Australian and international markets, that's reflected pretty well within the portfolio. So bit of a dip over Christmas. Obviously, gold prices went up $4.60 percent and they crashed a little bit. So that's kind of all over the shop. But that one option has kind of not been doing what the rest of the Australian market's been doing. Yeah. Correct. So overall, it reflects pretty well side to side except for that one portion, and that one portion, I really just have to flag and get it. We're halfway there. So with the selling of that option, because it's dropped down, the losses from that actually offset the gains for the other options that we're switching. So it actually, oddly enough, minimizes the capital gains tax. Correct. So that offsets that a little bit, which is nice. Yes. But on the flip side, normally, you keep an eye on for an option for a maximum of about two years. And with most options, they tend to like, if there's five different managers competing for Australian shares, they kind of jostle for position every year. Some of them are like the second best, third best, yada yada yada. With this one in particular, it's kind of split off from the past. Whereas everyone's kind of doing six to eight percent this year, it kind of dropped down 20%. And it's like, why have they done that? They picked a few bad apples in, oddly enough, some companies linked to The UK, which had few news articles there where they have to owe people for overcharging, like airline fees and things like that. And then they've had some exits from their fund itself where most of their fund managers and professionals have actually left the fund. So this is one case where I don't think it will come back. Yes. Correct. So each one's split into a different asset class, like the Bed Along was buying Australian shares. You've got the gold ETF, which literally just tracked the gold price. You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on. So they're essentially just a fund that buys a collection of shares or properties or different assets. Oh, no. The former. So they've each got, like, an investment objective, and they have to invest within those parameters. So for example, if we one of the options you've got is, like, an s and p 500, which is which we just buy in the top 500 companies in The US. It can't deviate outside of those 500 companies. So it would normally buy so they buy Australian shares, so things like the ASX 200. But because it's a concentrated fund, they try and pick 20 or 30 out of that 200, and they've just been consistently picking them up. Cool. Oh, and if you ever wanna read up on it, because that's kind of my weekend reading, is we include links to each fund's profile on the the appendix document that we've got attached. So if you ever wanna look at what each of them do, yeah, it will show you fees, performance, asset allocation, and objectives, and that's kind of our starting point when we review the option. And if you do have a minute, did you wanna Google one with me now, or do you wanna have a look at it a little bit later? So every time I show people this, because this is something that we were talking about Christmas time, this is as as clear cut as you can possibly see. So if you hop on Google and actually type in Benelong concentrated with two n's. So it's b e, n n, e l o n g, so Bennelong, and then concentrated. So when you go on that website, I'll just kind of jump alongside you with it. If you go on that website, we've got it's orange. And if you scroll down, there's a few tabs down there called fund overview and performance. Yep. And so what you can sort of see is the benchmark is the s and p ASX 300 index. So it's kind of trying to compete with the 300 companies in Australia. It's got its fees there. And then the performance tab, that's probably the easiest one to see. January 31, you've got your one, three, five, and ten years. And oddly enough, back three, four years ago, they were the most awarded fund manager in the country and minus 21% in the last year, minus 2% per annum for three years, and whatever's happened the last few years has just completely destroyed the fund almost. So most of the time, it just happens instantly, and that's why every year they kind of, like I was saying, jostle position on who's top, who's second. But this one, we're quite critical of because while the pack has kind of been following the market and doing well, they put off in a completely different direction for multiple years in a row and haven't been able to bring it back, and it didn't pay off. Now yeah. And then if you look at on Google again, you can just type in it's called Alfiniti with a p h, Australian share funds. And if you just go on their main website and under the, like, the performance tab at the top, you should be able to see there they've got the as Afiniti Australian share funds. And in that table compared to this no. The one above it. Yep. So it's the same index, the ASX 300 index. So it's it's in the same group of funds, but the one three five ten year performance kind of outstripped it, and it's actually managed to outperform the Australian market over this period too. Yes. So yeah. So if we've got this blend for you of a bit of passive, a bit of active, so it's mainly these low fee ETFs with a few funds that are actively managed that try to outperform the index. If you pay the slightly higher fees for those options, you want them to actually outperform the low fee option essentially. Now that's the most bare bones kind of comparison. We went a little bit more in-depth with it in the investment committee actually did a full review of that one fund manager. And around Christmas time, we were like, no. This is pretty much a sell in almost every case. K. So that's kind of a bit of a broad look at it. Again, we've got some reports through research houses that go a lot more in-depth under the hood, but it's just a good starting point to see kind of why we're doing what we're doing. Oh, yeah. Absolutely. And a lot of the time when we do annual reviews, people look at it obviously in that twelve month snapshot, and they're going, okay. Well, if this one's gone down a little bit, just get rid of it. And you go, okay. We've got to look a little bit more long term here. But there's a few factors again, indicators where you go, this one's actually a critical need to reflect. So, yeah, more than happy to go through that with you. And if you sorry. What was that, Sarah? A bit of a gamble. Yeah. That's right. And I guess what we're looking for when it comes to retirement is, like, consistency. Because for most people, trying to get a good average return that's a couple of percent above what they were doing before, that gets an extra few 100,000 in retirement. We're not trying to day trade people super and buy and sell this to get them a four 100% return and make them $2,000,000,000. We're just trying to get them from, you know, 700 thousand to 1,000,000 days you're comfortable. We need consistency. And that's you know, some people are looking for that. They want you to buy and sell on a daily basis and try and make them rich overnight. That's just not our philosophy when it comes to superimitable time. Cool. No worries at all. That's pretty much everything for this advice document. Again, I'll send out those beneficiaries to you. And once we get that through, we'll do the investment switches, and that's pretty much it for the time being. Now for your next annual review, do you want me to pencil you in for some quarterly catch ups this year, or should we just wait until that review to see if you kind of had some significant changes at that point? Yep. Yeah. Perfect. Perfect. So we will be speaking again this year, and I'll send that report through to you from NetWell. But when we do the next review, we'll kind of go over it'll probably be it'll be less than a year, of course, or really it's up to you. We can give it twelve months from now to see how it performs, or we can still catch up in six months' time at the normal review day. Yep. Perfect. So when we catch up at that time, I'll give you another updated report. We'll go through if there's been any changes with, you know, work and family and goals, and we'll just kinda see how it's tracked for that first quarter or two since we made the switches. Awesome, Sarah. Well, thank you very much for the time this morning. Any questions for me before I let you go? That's okay. And I will double check and make sure you do get SMS reminders before I next catch up. Thank you, Sarah. Have a fantastic weekend, and I'll talk to you soon. 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morning, Sarah. It's Tommy here, senior adviser from. How are you? How have you been? Doing fantastic.\n\nSorry. I'm a bit cocky today. Everyone's gone down with a bit of a flu, so please excuse me. Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place. No worries.\n\nAre you okay for the call to be recorded for training and quality purposes? Awesome. And we don't have a security question on the file. Are you okay to confirm your date of birth and address, please? Perfect.\n\nThank you so much, Sarah. Now I've popped that through. It should be either in your main inbox or in your spam box to your Gmail account. If you could just check that for me, please. No worries.\n\nIt's a bit of a surprise. That's no worries. I'll I'll check your system in our CRM and make sure we've got the the text reminders. So that way, it should text you through back two hours before I will have a look see. Perfect.\n\nJust can you let me know the subject names of that email, please? Perfect. Okay. So either one should be okay. Seems to have done a bit of a double up.\n\nNow with the statement of advice, so I've actually attached it as an attachment to the email. So because it is like a like a doc DocuSign type system, there's a link there to actually go through and sign the document. But I just want you to open up the statement of advice with that lovely forest background if you can. And what you should see on that one, there's two there that say statement of advice. One is it's got like a beachfront setting, and it should say perfect.\n\nAlright. Now are you are you able to see everything? Is it nice and clear? It hasn't gone on blurry or small for you? Perfect.\n\nAlrighty. Now just before I jump in, can you please go to page let's go to your details on page eight. There's an about you section on page eight. Now it should be kind of like nine on the software, eight on the footer of the document. Perfect.\n\nNow everything that I've kind of based the advice on, we were doing a bit of a portfolio update. But at the time, you were still kind of working through maternity leave on half pay through work. I'm assuming the Centrelink maternity leave, that's kind of on its course now, or is that still there? That's right. Perfect.\n\nSo outside of that, nothing really significant has changed. It's still just kind of going through, looking after the kids on maternity leave. Nothing else has changed since New Year. Oh, nice. Awesome.\n\nSo it won't really impact the advice, but I will note down on your file that you started the placement. So congratulations on that. Awesome. Now if you could pop back up for me to the scoping section on page three. I just wanted to make sure those details were still correct.\n\nSo just go through the scope of advice with you. So the main thing that we were doing is on your Netwealth account, when we had that review, everything was looking pretty good performance wise. The platform was good, has all the bells and whistles and features. No real significant changes to net wealth. They haven't up their fees or anything.\n\nIt's nothing crazy. We were just optimizing your investments as the main scope. The other main area that's actually pretty important for you is the estate planning. If you recall, we were going through and updating your beneficiary nominations and also recommending to put a will in place. Does that kinda ring a bell?\n\nAwesome. Now I don't, no, I don't think we've gotten those documents back. So I have sent a request through to the team to kind of refresh them because those beneficiaries, they update them every year. If you send through an on form, they may actually reject it. That's all.\n\nYes. It's gonna be website, so we'll send a web a hard copy. There'll always be a return envelope on there. We'll have a nice little cover letter there just making sure that you get a witness properly and all that kind of thing. Perfect.\n\nSo that two thirds of this document actually talks about the estate planning, but the sum of it basically is we wanted to make sure those provisions for both children. So we want to put the superannuation aimed at your estate through a legal personal representative nomination. That way, when you put a will in place, you can kind of distribute it out to the children, and it's a bit more flexibility. Like, you can set up even a trust fund that triggers all that kind of thing. Perfect.\n\nFor the investments sorry. For what we're not considering, on the next page, I've just put there the scope of advice not considered. Can you see that page on page four? Yep. So the things that we're sort of not doing in this advice piece is everything to do with the future goals for the super.\n\nSo one of the things that we're talking about is that once you've kind of gone back to, like, finish the studying, finish maternity leave, We may look at taking on a bit more risk in the super, but at this point, we just wanted to keep everything kind of steady shift. And then long term, we haven't factored in, like, a specific retirement amount because, obviously, retirement's so far away, so many variables that when you get closer to that point, we'll find a good form. Awesome. Yeah. Absolutely.\n\nAnd that's why on the next page, I've just put the insurances as out of scope because we weren't looking to get any insurances at the time. We looked at some trauma cover. You have enough family assistance to draw down on. No need to get insurance in the box. Perfect.\n\nSo the main sections to go through, if you wanna just flip through the document with me, page nine has your current situation. I just wanna make sure there hasn't been any big changes with the house value and mortgage at this point. I know it will be a little bit different. Perfect. Yep.\n\nNo specific valuation. Yeah. Yeah. Yeah. I'll I'll keep it as is for now.\n\nWe're not doing any debt management advice, and we're not trying to get investment properties, so that's okay. The next couple of pages just goes through your growth risk profile, which is that kind of four out of five on the risk scale. If you recall, we're kind of aiming for around about 80% of your super in growth assets. There's property gold, that kind of thing. So if you go down, the strategy recommendations on 12 is to obviously keep net wealth in place, rebalance a few options, and keep the contributions going there when they do come through from work, whether that's your current employer or the next one.\n\nNow Yeah. And that was one of the main things is we just wanna make sure so we can kind of pull it out of weight with the growth for the time being even if that's just for the next twelve to twenty four months. Perfect. There's a list of kind of advantages and disadvantages in the table on page thirteen and fourteen. The main thing is it kind of points out is that anytime we switch investments inside Super, Super pays like a a 15% tax rate as opposed to what you would pay personally.\n\nSo investment growth is taxed at 15% if we switch investments as capital gains and all that kind of thing that we have to factor in as well as some brokerage fees to actually purchase the options themselves. So anytime, like, a contribution go in and they buy the investments, there's brokerage fees for ETFs. And if we do, like, sell half your portfolio and move it to different options, we have to factor in capital gains under the hood. It's something that's usually a bit more hidden in most super funds because they're price. But with Netwealth and a few wrap platforms, we actually have full control over, you know, offsetting gains and losses and that kind of thing.\n\nCorrect. Yep. Absolutely. If I wasn't doing that, I wouldn't be doing my job properly. That's for sure.\n\nSo if you go down to that next page on 15, there's a lovely table with a huge amount of figures on there and a lot of red if you can just have a quick look at the investments. The main thing here is that we're just switching out some of the underperforming options, Mainly, the second one in the road, which is the better long concentrated equities, that one's been that one's kind of been underperforming for a couple of years. So I'm replacing it like like for like with our Fendi. So lower investment fees, they've outperformed it one, three, five, and ten years. So it's just a straight up five step on that one.\n\nThe other options, I won't go too much in-depth there, but we've we've kind of with the investment committee moved away from some of the kind of European and Japanese markets, a little bit more waiting towards the American and other international fees as well. There's a few extra options that I'm kind of rebalancing. The main one was just getting rid of that better option. K. Your asset allocation on the next page, there should be a colored pie chart there.\n\nAnd the main thing to point out here is that for a growth risk profile, you kind of want between 80 to 85% growth assets. You're currently at 85. The new portfolio kind of sits at about eighty, eighty one. So nothing significantly different there. They're both in line with the.\n\nCorrect. So the fixed interest kind of aims for around about that four to 5%. Most of those options, they they do fluctuate, though. So some years it's two, some years it's seven, but four to five is the aim. Whereas your growth assets, they're all your double digits, 10, 15, 20%.\n\nSo averaging it out, I think we're aiming for roundabout 9% on average. But if you go down to the next page, I've kind of given you a bit of an idea on the last five years averaged out. And there should be a table there called fee comparison. So top right, I've factored in the capital gains tax for switching the options within Nasuva, which is 1,600. The investment fees are about $2.60 less per year, but the performance difference goes from 8.28% to 12.73 over the last five years.\n\nCorrect. So that's based on switching the investment. Yep. Correct. So that's four point four five after all fees, taxes, and premiums, which is no insurance premiums.\n\nAnd there's a bit of a projection able just below that, which gives you an indication of a five and ten years. If the markets continue the way they have been the last five years, this is kind of how it should look going forward. Of course, markets fluctuate, but that's a bit of an estimate for you. Perfect. The only last one there is the next table has all of the performance figures side by side over one, three, five, and ten years.\n\nAnd the only major issue that you have with the current option was because of that Benelon option weighted down, its twelve month performance was a bit flat compared to actually having some pretty significant growth. So if you can see that table label, the 02/18/2020 six, It just shows you the side by side. Oh, this is just a straight performance comparison going backwards over one, three, five, and ten years. Gotcha. So the current column is basically all the options that you've currently got with their current ratings, and the recommended column is the options that we've recommended you to switch to.\n\nAnd be correct. So yeah. So that is the I guess, with the seven or eight options that you've got and the seven or eight that we've recommended, if we actually average them out, that's how it would look going backwards. So that's pretty much it for the superannuation side of it because it's just the rebalance from growth to growth. Everything else in the rest of this document is your beneficiaries, will, and power of attorney all the way up until page 25, 26.\n\nI probably don't have to tell you why you should put in place a bill on the beneficiary nomination. It comes fine, but all of that's in there as general information as well. Perfect. No. That's all good.\n\nAnd, again, like I said, we'll send it through the hard copy with the return envelope, and it'll have a cover letter explaining how to do it. If you have any questions, just call the team. They can walk you through it over the phone. Yeah. Absolutely.\n\nYeah. Absolutely. I actually got a updated report generated this morning for you, and I'll email that through separately to see you've got that there on file. Awesome. A bit of forewarning.\n\nIt has actually dipped down quite a bit recently. All of the things that happened over Christmas, everything's kind of going into negative. So it's probably a good time to be updating a few things for sure. Bit of both. So everything that's kind of happened with the Australian and international markets, that's reflected pretty well within the portfolio.\n\nSo bit of a dip over Christmas. Obviously, gold prices went up $4.60 percent and they crashed a little bit. So that's kind of all over the shop. But that one option has kind of not been doing what the rest of the Australian market's been doing. Yeah.\n\nCorrect. So overall, it reflects pretty well side to side except for that one portion, and that one portion, I really just have to flag and get it. We're halfway there. So with the selling of that option, because it's dropped down, the losses from that actually offset the gains for the other options that we're switching. So it actually, oddly enough, minimizes the capital gains tax.\n\nCorrect. So that offsets that a little bit, which is nice. Yes. But on the flip side, normally, you keep an eye on for an option for a maximum of about two years. And with most options, they tend to like, if there's five different managers competing for Australian shares, they kind of jostle for position every year.\n\nSome of them are like the second best, third best, yada yada yada. With this one in particular, it's kind of split off from the past. Whereas everyone's kind of doing six to eight percent this year, it kind of dropped down 20%. And it's like, why have they done that? They picked a few bad apples in, oddly enough, some companies linked to The UK, which had few news articles there where they have to owe people for overcharging, like airline fees and things like that.\n\nAnd then they've had some exits from their fund itself where most of their fund managers and professionals have actually left the fund. So this is one case where I don't think it will come back. Yes. Correct. So each one's split into a different asset class, like the Bed Along was buying Australian shares.\n\nYou've got the gold ETF, which literally just tracked the gold price. You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on. So they're essentially just a fund that buys a collection of shares or properties or different assets. Oh, no. The former.\n\nSo they've each got, like, an investment objective, and they have to invest within those parameters. So for example, if we one of the options you've got is, like, an s and p 500, which is which we just buy in the top 500 companies in The US. It can't deviate outside of those 500 companies. So it would normally buy so they buy Australian shares, so things like the ASX 200. But because it's a concentrated fund, they try and pick 20 or 30 out of that 200, and they've just been consistently picking them up.\n\nCool. Oh, and if you ever wanna read up on it, because that's kind of my weekend reading, is we include links to each fund's profile on the the appendix document that we've got attached. So if you ever wanna look at what each of them do, yeah, it will show you fees, performance, asset allocation, and objectives, and that's kind of our starting point when we review the option. And if you do have a minute, did you wanna Google one with me now, or do you wanna have a look at it a little bit later? So every time I show people this, because this is something that we were talking about Christmas time, this is as as clear cut as you can possibly see.\n\nSo if you hop on Google and actually type in Benelong concentrated with two n's. So it's b e, n n, e l o n g, so Bennelong, and then concentrated. So when you go on that website, I'll just kind of jump alongside you with it. If you go on that website, we've got it's orange. And if you scroll down, there's a few tabs down there called fund overview and performance.\n\nYep. And so what you can sort of see is the benchmark is the s and p ASX 300 index. So it's kind of trying to compete with the 300 companies in Australia. It's got its fees there. And then the performance tab, that's probably the easiest one to see.\n\nJanuary 31, you've got your one, three, five, and ten years. And oddly enough, back three, four years ago, they were the most awarded fund manager in the country and minus 21% in the last year, minus 2% per annum for three years, and whatever's happened the last few years has just completely destroyed the fund almost. So most of the time, it just happens instantly, and that's why every year they kind of, like I was saying, jostle position on who's top, who's second. But this one, we're quite critical of because while the pack has kind of been following the market and doing well, they put off in a completely different direction for multiple years in a row and haven't been able to bring it back, and it didn't pay off. Now yeah.\n\nAnd then if you look at on Google again, you can just type in it's called Alfiniti with a p h, Australian share funds. And if you just go on their main website and under the, like, the performance tab at the top, you should be able to see there they've got the as Afiniti Australian share funds. And in that table compared to this no. The one above it. Yep.\n\nSo it's the same index, the ASX 300 index. So it's it's in the same group of funds, but the one three five ten year performance kind of outstripped it, and it's actually managed to outperform the Australian market over this period too. Yes. So yeah. So if we've got this blend for you of a bit of passive, a bit of active, so it's mainly these low fee ETFs with a few funds that are actively managed that try to outperform the index.\n\nIf you pay the slightly higher fees for those options, you want them to actually outperform the low fee option essentially. Now that's the most bare bones kind of comparison. We went a little bit more in-depth with it in the investment committee actually did a full review of that one fund manager. And around Christmas time, we were like, no. This is pretty much a sell in almost every case.\n\nK. So that's kind of a bit of a broad look at it. Again, we've got some reports through research houses that go a lot more in-depth under the hood, but it's just a good starting point to see kind of why we're doing what we're doing. Oh, yeah. Absolutely.\n\nAnd a lot of the time when we do annual reviews, people look at it obviously in that twelve month snapshot, and they're going, okay. Well, if this one's gone down a little bit, just get rid of it. And you go, okay. We've got to look a little bit more long term here. But there's a few factors again, indicators where you go, this one's actually a critical need to reflect.\n\nSo, yeah, more than happy to go through that with you. And if you sorry. What was that, Sarah? A bit of a gamble. Yeah.\n\nThat's right. And I guess what we're looking for when it comes to retirement is, like, consistency. Because for most people, trying to get a good average return that's a couple of percent above what they were doing before, that gets an extra few 100,000 in retirement. We're not trying to day trade people super and buy and sell this to get them a four 100% return and make them $2,000,000,000. We're just trying to get them from, you know, 700 thousand to 1,000,000 days you're comfortable.\n\nWe need consistency. And that's you know, some people are looking for that. They want you to buy and sell on a daily basis and try and make them rich overnight. That's just not our philosophy when it comes to superimitable time. Cool.\n\nNo worries at all. That's pretty much everything for this advice document. Again, I'll send out those beneficiaries to you. And once we get that through, we'll do the investment switches, and that's pretty much it for the time being. Now for your next annual review, do you want me to pencil you in for some quarterly catch ups this year, or should we just wait until that review to see if you kind of had some significant changes at that point?\n\nYep. Yeah. Perfect. Perfect. So we will be speaking again this year, and I'll send that report through to you from NetWell.\n\nBut when we do the next review, we'll kind of go over it'll probably be it'll be less than a year, of course, or really it's up to you. We can give it twelve months from now to see how it performs, or we can still catch up in six months' time at the normal review day. Yep. Perfect. So when we catch up at that time, I'll give you another updated report.\n\nWe'll go through if there's been any changes with, you know, work and family and goals, and we'll just kinda see how it's tracked for that first quarter or two since we made the switches. Awesome, Sarah. Well, thank you very much for the time this morning. Any questions for me before I let you go? That's okay.\n\nAnd I will double check and make sure you do get SMS reminders before I next catch up. Thank you, Sarah. Have a fantastic weekend, and I'll talk to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Sarah.","start":3.36,"end":4.24,"sentiment":"positive","sentiment_score":0.3539002637068431},{"text":"It's Tommy here, senior adviser from.","start":4.24,"end":6.24,"sentiment":"neutral","sentiment_score":0.24346143752336502},{"text":"How are you?","start":6.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.24343136449654898},{"text":"How have you been?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.15914634242653847},{"text":"Doing fantastic.","start":9.76,"end":10.58,"sentiment":"positive","sentiment_score":0.652299553155899}],"sentiment":"neutral","sentiment_score":0.2885526658760177,"num_words":18,"start":3.36,"end":10.58},{"sentences":[{"text":"Sorry.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":-0.2627149522304535},{"text":"I'm a bit cocky today.","start":10.96,"end":12.0,"sentiment":"negative","sentiment_score":-0.5495047092437744},{"text":"Everyone's gone down with a bit of a flu, so please excuse me.","start":12.0,"end":17.185,"sentiment":"negative","sentiment_score":-0.36743351129385143},{"text":"Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place.","start":17.185,"end":26.79,"sentiment":"neutral","sentiment_score":-0.06937673803547333},{"text":"No worries.","start":29.35,"end":29.990002,"sentiment":"neutral","sentiment_score":0.05665400251746178}],"sentiment":"neutral","sentiment_score":-0.19370983086526394,"num_words":50,"start":10.719999,"end":29.990002},{"sentences":[{"text":"Are you okay for the call to be recorded for training and quality purposes?","start":29.990002,"end":33.53,"sentiment":"neutral","sentiment_score":0.03413944398718221},{"text":"Awesome.","start":34.23,"end":34.73,"sentiment":"positive","sentiment_score":0.42224493622779846},{"text":"And we don't have a security question on the file.","start":34.79,"end":37.03,"sentiment":"neutral","sentiment_score":0.11722744405269622},{"text":"Are you okay to confirm your date of birth and address, please?","start":37.03,"end":40.065,"sentiment":"neutral","sentiment_score":0.07738001303126414},{"text":"Perfect.","start":45.664997,"end":46.164997,"sentiment":"neutral","sentiment_score":0.2973204255104065}],"sentiment":"neutral","sentiment_score":0.08679874143318127,"num_words":38,"start":29.990002,"end":46.164997},{"sentences":[{"text":"Thank you so much, Sarah.","start":46.464996,"end":47.984997,"sentiment":"positive","sentiment_score":0.5446194648742676},{"text":"Now I've popped that through.","start":47.984997,"end":49.344997,"sentiment":"neutral","sentiment_score":0.1539578303694725},{"text":"It should be either in your main inbox or in your spam box to your Gmail account.","start":49.344997,"end":54.030003,"sentiment":"neutral","sentiment_score":0.09243199601769447},{"text":"If you could just check that for me, please.","start":54.030003,"end":55.890003,"sentiment":"neutral","sentiment_score":0.061990966399510704},{"text":"No worries.","start":60.43,"end":61.170002,"sentiment":"neutral","sentiment_score":0.026623789221048355}],"sentiment":"neutral","sentiment_score":0.1493525443304526,"num_words":38,"start":46.464996,"end":61.170002},{"sentences":[{"text":"It's a bit of a surprise.","start":69.535,"end":70.755,"sentiment":"neutral","sentiment_score":-0.25998328626155853},{"text":"That's no worries.","start":72.975,"end":73.775,"sentiment":"neutral","sentiment_score":0.06702815492947896},{"text":"I'll I'll check your system in our CRM and make sure we've got the the text reminders.","start":73.775,"end":78.975,"sentiment":"neutral","sentiment_score":0.059275011586792326},{"text":"So that way, it should text you through back two hours before I will have a look see.","start":78.975,"end":85.060005,"sentiment":"neutral","sentiment_score":0.03964672967170676},{"text":"Perfect.","start":89.76,"end":90.26,"sentiment":"neutral","sentiment_score":0.24056221544742584}],"sentiment":"neutral","sentiment_score":0.013401406527393394,"num_words":45,"start":69.535,"end":90.26},{"sentences":[{"text":"Just can you let me know the subject names of that email, please?","start":90.48,"end":93.135,"sentiment":"neutral","sentiment_score":0.08557849205457248},{"text":"Perfect.","start":101.935005,"end":102.415,"sentiment":"neutral","sentiment_score":0.17387279868125916},{"text":"Okay.","start":102.415,"end":102.735,"sentiment":"neutral","sentiment_score":0.06003548577427864},{"text":"So either one should be okay.","start":102.735,"end":104.755005,"sentiment":"neutral","sentiment_score":0.05371190793812275},{"text":"Seems to have done a bit of a double up.","start":105.375,"end":107.1,"sentiment":"neutral","sentiment_score":-0.2994028955698013}],"sentiment":"neutral","sentiment_score":-0.042752542803364414,"num_words":31,"start":90.48,"end":107.1},{"sentences":[{"text":"Now with the statement of advice, so I've actually attached it as an attachment to the email.","start":107.58,"end":112.24,"sentiment":"neutral","sentiment_score":0.056227999355863124},{"text":"So because it is like a like a doc DocuSign type system, there's a link there to actually go through and sign the document.","start":112.46,"end":120.64,"sentiment":"neutral","sentiment_score":0.0653077601455152},{"text":"But I just want you to open up the statement of advice with that lovely forest background if you can.","start":120.765,"end":127.985,"sentiment":"neutral","sentiment_score":0.17100085318088531},{"text":"And what you should see on that one, there's two there that say statement of advice.","start":130.685,"end":134.385,"sentiment":"neutral","sentiment_score":0.06371989636681974},{"text":"One is it's got like a beachfront setting, and it should say perfect.","start":134.44499,"end":140.29,"sentiment":"neutral","sentiment_score":0.09341307586202255}],"sentiment":"neutral","sentiment_score":0.09085741804705726,"num_words":90,"start":107.58,"end":140.29},{"sentences":[{"text":"Alright.","start":141.06999,"end":141.54999,"sentiment":"neutral","sentiment_score":0.17090366780757904},{"text":"Now are you are you able to see everything?","start":141.54999,"end":143.39,"sentiment":"neutral","sentiment_score":0.11632127894295587},{"text":"Is it nice and clear?","start":143.39,"end":144.34999,"sentiment":"neutral","sentiment_score":0.17425440847873688},{"text":"It hasn't gone on blurry or small for you?","start":144.34999,"end":146.53,"sentiment":"neutral","sentiment_score":0.0644729785207245},{"text":"Perfect.","start":149.23,"end":149.73,"sentiment":"positive","sentiment_score":0.5883630514144897}],"sentiment":"neutral","sentiment_score":0.13030748315155505,"num_words":25,"start":141.06999,"end":149.73},{"sentences":[{"text":"Alrighty.","start":150.085,"end":150.405,"sentiment":"neutral","sentiment_score":0.25485485792160034},{"text":"Now just before I jump in, can you please go to page let's go to your details on page eight.","start":150.405,"end":159.145,"sentiment":"neutral","sentiment_score":0.049748318176716565},{"text":"There's an about you section on page eight.","start":159.445,"end":161.94,"sentiment":"neutral","sentiment_score":0.0398886373732239},{"text":"Now it should be kind of like nine on the software, eight on the footer of the document.","start":168.42,"end":173.56,"sentiment":"neutral","sentiment_score":0.045833484166198306},{"text":"Perfect.","start":175.145,"end":175.54501,"sentiment":"positive","sentiment_score":0.3598710596561432}],"sentiment":"neutral","sentiment_score":0.05737091864769658,"num_words":48,"start":150.085,"end":175.54501},{"sentences":[{"text":"Now everything that I've kind of based the advice on, we were doing a bit of a portfolio update.","start":175.54501,"end":180.125,"sentiment":"neutral","sentiment_score":0.07440657737223726},{"text":"But at the time, you were still kind of working through maternity leave on half pay through work.","start":180.265,"end":186.87,"sentiment":"neutral","sentiment_score":0.014403046315742863},{"text":"I'm assuming the Centrelink maternity leave, that's kind of on its course now, or is that still there?","start":187.43,"end":193.69,"sentiment":"neutral","sentiment_score":0.02896609167671866},{"text":"That's right.","start":201.655,"end":202.395,"sentiment":"neutral","sentiment_score":-0.011933632660657167},{"text":"Perfect.","start":207.97499,"end":208.455,"sentiment":"neutral","sentiment_score":0.1662069708108902}],"sentiment":"neutral","sentiment_score":0.04028808895562743,"num_words":58,"start":175.54501,"end":208.455},{"sentences":[{"text":"So outside of that, nothing really significant has changed.","start":208.455,"end":211.255,"sentiment":"neutral","sentiment_score":-0.09554080954856342},{"text":"It's still just kind of going through, looking after the kids on maternity leave.","start":211.255,"end":215.67,"sentiment":"neutral","sentiment_score":-0.058678053851638524},{"text":"Nothing else has changed since New Year.","start":215.67,"end":218.41,"sentiment":"neutral","sentiment_score":-0.11921155665602003},{"text":"Oh, nice.","start":226.55,"end":227.29001,"sentiment":"neutral","sentiment_score":0.12031209468841554},{"text":"Awesome.","start":235.32501,"end":235.80501,"sentiment":"positive","sentiment_score":0.4195303916931152}],"sentiment":"neutral","sentiment_score":-0.05623291986006679,"num_words":33,"start":208.455,"end":235.80501},{"sentences":[{"text":"So it won't really impact the advice, but I will note down on your file that you started the placement.","start":235.80501,"end":240.205,"sentiment":"neutral","sentiment_score":0.1849665243178606},{"text":"So congratulations on that.","start":240.205,"end":241.82501,"sentiment":"positive","sentiment_score":0.652513176202774},{"text":"Awesome.","start":243.47,"end":243.87001,"sentiment":"positive","sentiment_score":0.7663824558258057},{"text":"Now if you could pop back up for me to the scoping section on page three.","start":243.87001,"end":248.77,"sentiment":"neutral","sentiment_score":0.24083080142736435},{"text":"I just wanted to make sure those details were still correct.","start":249.31,"end":251.95,"sentiment":"neutral","sentiment_score":0.1476259692148729}],"sentiment":"neutral","sentiment_score":0.2414027717537605,"num_words":52,"start":235.80501,"end":251.95},{"sentences":[{"text":"So just go through the scope of advice with you.","start":251.95,"end":254.93001,"sentiment":"neutral","sentiment_score":0.11119136512279511},{"text":"So the main thing that we were doing is on your Netwealth account, when we had that review, everything was looking pretty good performance wise.","start":256.01498,"end":262.835,"sentiment":"neutral","sentiment_score":0.30438260078430174},{"text":"The platform was good, has all the bells and whistles and features.","start":263.775,"end":267.135,"sentiment":"positive","sentiment_score":0.5240955675641695},{"text":"No real significant changes to net wealth.","start":267.135,"end":269.62,"sentiment":"neutral","sentiment_score":0.013196919645581926},{"text":"They haven't up their fees or anything.","start":269.62,"end":271.13998,"sentiment":"neutral","sentiment_score":0.01284939210329737}],"sentiment":"neutral","sentiment_score":0.24906474858766697,"num_words":61,"start":251.95,"end":271.13998},{"sentences":[{"text":"It's nothing crazy.","start":271.13998,"end":272.19998,"sentiment":"neutral","sentiment_score":0.11370292802651723},{"text":"We were just optimizing your investments as the main scope.","start":272.25998,"end":275.63998,"sentiment":"neutral","sentiment_score":0.20816643238067628},{"text":"The other main area that's actually pretty important for you is the estate planning.","start":276.41998,"end":280.52,"sentiment":"neutral","sentiment_score":0.11482277885079384},{"text":"If you recall, we were going through and updating your beneficiary nominations and also recommending to put a will in place.","start":281.22,"end":288.665,"sentiment":"neutral","sentiment_score":0.05795128235504741},{"text":"Does that kinda ring a bell?","start":288.665,"end":290.045,"sentiment":"neutral","sentiment_score":0.025233213789761066}],"sentiment":"neutral","sentiment_score":0.09997533748133315,"num_words":54,"start":271.13998,"end":290.045},{"sentences":[{"text":"Awesome.","start":292.345,"end":292.845,"sentiment":"neutral","sentiment_score":0.2688499689102173},{"text":"Now I don't, no, I don't think we've gotten those documents back.","start":293.145,"end":296.68,"sentiment":"neutral","sentiment_score":-0.10795828265448411},{"text":"So I have sent a request through to the team to kind of refresh them because those beneficiaries, they update them every year.","start":296.68,"end":303.24,"sentiment":"neutral","sentiment_score":-0.012068542773308962},{"text":"If you send through an on form, they may actually reject it.","start":303.24,"end":305.8,"sentiment":"neutral","sentiment_score":-0.09531096182763577},{"text":"That's all.","start":305.8,"end":306.62,"sentiment":"neutral","sentiment_score":-0.015432152431458235}],"sentiment":"neutral","sentiment_score":-0.04957643507048488,"num_words":50,"start":292.345,"end":306.62},{"sentences":[{"text":"Yes.","start":313.73502,"end":314.135,"sentiment":"neutral","sentiment_score":0.058528803288936615},{"text":"It's gonna be website, so we'll send a web a hard copy.","start":314.135,"end":317.515,"sentiment":"neutral","sentiment_score":0.036555762557933726},{"text":"There'll always be a return envelope on there.","start":328.31,"end":331.85,"sentiment":"neutral","sentiment_score":0.01762834400869906},{"text":"We'll have a nice little cover letter there just making sure that you get a witness properly and all that kind of thing.","start":332.47,"end":337.72498,"sentiment":"neutral","sentiment_score":0.14257978032464566},{"text":"Perfect.","start":340.66498,"end":341.145,"sentiment":"neutral","sentiment_score":0.04846549034118652}],"sentiment":"neutral","sentiment_score":0.08813389208581712,"num_words":45,"start":313.73502,"end":341.145},{"sentences":[{"text":"So that two thirds of this document actually talks about the estate planning, but the sum of it basically is we wanted to make sure those provisions for both children.","start":341.145,"end":349.32498,"sentiment":"neutral","sentiment_score":0.07165192887187004},{"text":"So we want to put the superannuation aimed at your estate through a legal personal representative nomination.","start":349.91,"end":357.69,"sentiment":"neutral","sentiment_score":0.19975403564817765},{"text":"That way, when you put a will in place, you can kind of distribute it out to the children, and it's a bit more flexibility.","start":358.23,"end":366.765,"sentiment":"neutral","sentiment_score":0.22963238418102264},{"text":"Like, you can set up even a trust fund that triggers all that kind of thing.","start":367.065,"end":370.525,"sentiment":"neutral","sentiment_score":0.14807449793443084},{"text":"Perfect.","start":372.345,"end":372.845,"sentiment":"positive","sentiment_score":0.41637760400772095}],"sentiment":"neutral","sentiment_score":0.15810961401864385,"num_words":89,"start":341.145,"end":372.845},{"sentences":[{"text":"For the investments sorry.","start":373.385,"end":375.385,"sentiment":"neutral","sentiment_score":0.00398769648745656},{"text":"For what we're not considering, on the next page, I've just put there the scope of advice not considered.","start":375.385,"end":380.36002,"sentiment":"neutral","sentiment_score":-0.14046285732796318},{"text":"Can you see that page on page four?","start":380.36002,"end":382.22,"sentiment":"neutral","sentiment_score":-0.0582954534329474},{"text":"Yep.","start":389.72,"end":390.195,"sentiment":"neutral","sentiment_score":0.023757636547088623},{"text":"So the things that we're sort of not doing in this advice piece is everything to do with the future goals for the super.","start":390.435,"end":396.135,"sentiment":"neutral","sentiment_score":-0.11240457169090708}],"sentiment":"neutral","sentiment_score":-0.10344927169249526,"num_words":56,"start":373.385,"end":396.135},{"sentences":[{"text":"So one of the things that we're talking about is that once you've kind of gone back to, like, finish the studying, finish maternity leave, We may look at taking on a bit more risk in the super, but at this point, we just wanted to keep everything kind of steady shift.","start":396.275,"end":409.61002,"sentiment":"neutral","sentiment_score":-0.04376333205101009},{"text":"And then long term, we haven't factored in, like, a specific retirement amount because, obviously, retirement's so far away, so many variables that when you get closer to that point, we'll find a good form.","start":411.27002,"end":422.225,"sentiment":"neutral","sentiment_score":0.11644057929515839},{"text":"Awesome.","start":422.225,"end":422.725,"sentiment":"positive","sentiment_score":0.4263264536857605},{"text":"Yeah.","start":451.805,"end":452.205,"sentiment":"neutral","sentiment_score":-0.05708391219377518},{"text":"Absolutely.","start":452.205,"end":452.705,"sentiment":"neutral","sentiment_score":-0.09432719647884368}],"sentiment":"neutral","sentiment_score":0.023051581707679562,"num_words":90,"start":396.275,"end":452.705},{"sentences":[{"text":"And that's why on the next page, I've just put the insurances as out of scope because we weren't looking to get any insurances at the time.","start":452.76498,"end":460.18,"sentiment":"neutral","sentiment_score":-0.17738889599287952},{"text":"We looked at some trauma cover.","start":460.18,"end":462.1,"sentiment":"neutral","sentiment_score":-0.07617375751336415},{"text":"You have enough family assistance to draw down on.","start":462.1,"end":464.82,"sentiment":"neutral","sentiment_score":0.09991566422912809},{"text":"No need to get insurance in the box.","start":464.82,"end":466.76,"sentiment":"neutral","sentiment_score":0.05508543737232685},{"text":"Perfect.","start":468.26,"end":468.76,"sentiment":"positive","sentiment_score":0.6601963043212891}],"sentiment":"neutral","sentiment_score":-0.06365533246129167,"num_words":51,"start":452.76498,"end":468.76},{"sentences":[{"text":"So the main sections to go through, if you wanna just flip through the document with me, page nine has your current situation.","start":469.3,"end":477.465,"sentiment":"neutral","sentiment_score":0.1430922406523124},{"text":"I just wanna make sure there hasn't been any big changes with the house value and mortgage at this point.","start":477.765,"end":482.165,"sentiment":"neutral","sentiment_score":-0.13950148206204177},{"text":"I know it will be a little bit different.","start":482.165,"end":483.945,"sentiment":"neutral","sentiment_score":-0.12708573208914864},{"text":"Perfect.","start":484.885,"end":485.385,"sentiment":"neutral","sentiment_score":0.2562618851661682},{"text":"Yep.","start":490.4,"end":490.9,"sentiment":"neutral","sentiment_score":0.0185990072786808}],"sentiment":"neutral","sentiment_score":-0.0068114593073173805,"num_words":54,"start":469.3,"end":490.9},{"sentences":[{"text":"No specific valuation.","start":506.47498,"end":507.775,"sentiment":"neutral","sentiment_score":-0.20877309143543243},{"text":"Yeah.","start":508.47498,"end":508.97498,"sentiment":"neutral","sentiment_score":-0.08752855658531189},{"text":"Yeah.","start":531.70496,"end":532.20496,"sentiment":"neutral","sentiment_score":-0.06558666378259659},{"text":"Yeah.","start":536.02496,"end":536.425,"sentiment":"neutral","sentiment_score":-0.019847795367240902},{"text":"I'll I'll keep it as is for now.","start":536.425,"end":537.785,"sentiment":"neutral","sentiment_score":0.03990879206685349}],"sentiment":"neutral","sentiment_score":-0.03428656810761562,"num_words":14,"start":506.47498,"end":537.785},{"sentences":[{"text":"We're not doing any debt management advice, and we're not trying to get investment properties, so that's okay.","start":537.785,"end":542.365,"sentiment":"neutral","sentiment_score":-0.10288389027118683},{"text":"The next couple of pages just goes through your growth risk profile, which is that kind of four out of five on the risk scale.","start":543.5,"end":549.92,"sentiment":"neutral","sentiment_score":0.011042776107788086},{"text":"If you recall, we're kind of aiming for around about 80% of your super in growth assets.","start":550.22,"end":556.0,"sentiment":"neutral","sentiment_score":0.05650845717857866},{"text":"There's property gold, that kind of thing.","start":556.3,"end":558.615,"sentiment":"neutral","sentiment_score":0.040494092873164585},{"text":"So if you go down, the strategy recommendations on 12 is to obviously keep net wealth in place, rebalance a few options, and keep the contributions going there when they do come through from work, whether that's your current employer or the next one.","start":558.855,"end":574.04,"sentiment":"neutral","sentiment_score":0.0675373412668705}],"sentiment":"neutral","sentiment_score":0.023782926267600275,"num_words":111,"start":537.785,"end":574.04},{"sentences":[{"text":"Now Yeah.","start":575.86,"end":587.775,"sentiment":"neutral","sentiment_score":0.040031496435403824},{"text":"And that was one of the main things is we just wanna make sure so we can kind of pull it out of weight with the growth for the time being even if that's just for the next twelve to twenty four months.","start":587.775,"end":596.59503,"sentiment":"neutral","sentiment_score":0.09348789106534663},{"text":"Perfect.","start":599.38,"end":599.88,"sentiment":"positive","sentiment_score":0.7500758171081543},{"text":"There's a list of kind of advantages and disadvantages in the table on page thirteen and fourteen.","start":600.66,"end":605.88,"sentiment":"neutral","sentiment_score":0.11352273624609499},{"text":"The main thing is it kind of points out is that anytime we switch investments inside Super, Super pays like a a 15% tax rate as opposed to what you would pay personally.","start":606.66,"end":618.53503,"sentiment":"neutral","sentiment_score":0.052216617334069626}],"sentiment":"neutral","sentiment_score":0.08857451056246646,"num_words":96,"start":575.86,"end":618.53503},{"sentences":[{"text":"So investment growth is taxed at 15% if we switch investments as capital gains and all that kind of thing that we have to factor in as well as some brokerage fees to actually purchase the options themselves.","start":618.835,"end":631.31,"sentiment":"neutral","sentiment_score":0.05789924569820103},{"text":"So anytime, like, a contribution go in and they buy the investments, there's brokerage fees for ETFs.","start":637.77,"end":644.455,"sentiment":"neutral","sentiment_score":0.06751843563774053},{"text":"And if we do, like, sell half your portfolio and move it to different options, we have to factor in capital gains under the hood.","start":644.995,"end":653.23505,"sentiment":"neutral","sentiment_score":0.06706646248698235},{"text":"It's something that's usually a bit more hidden in most super funds because they're price.","start":653.23505,"end":657.655,"sentiment":"neutral","sentiment_score":0.016406977797547975},{"text":"But with Netwealth and a few wrap platforms, we actually have full control over, you know, offsetting gains and losses and that kind of thing.","start":658.38,"end":666.96,"sentiment":"neutral","sentiment_score":0.15546587169170378}],"sentiment":"neutral","sentiment_score":0.07631164803169668,"num_words":120,"start":618.835,"end":666.96},{"sentences":[{"text":"Correct.","start":677.425,"end":677.925,"sentiment":"neutral","sentiment_score":0.1991515755653381},{"text":"Yep.","start":680.625,"end":681.02496,"sentiment":"neutral","sentiment_score":0.12361568212509157},{"text":"Absolutely.","start":681.02496,"end":681.505,"sentiment":"neutral","sentiment_score":0.08395761996507645},{"text":"If I wasn't doing that, I wouldn't be doing my job properly.","start":681.505,"end":683.90497,"sentiment":"negative","sentiment_score":-0.40153150508801144},{"text":"That's for sure.","start":683.90497,"end":684.96497,"sentiment":"neutral","sentiment_score":-0.007775589823722839}],"sentiment":"neutral","sentiment_score":-0.2463877751595444,"num_words":18,"start":677.425,"end":684.96497},{"sentences":[{"text":"So if you go down to that next page on 15, there's a lovely table with a huge amount of figures on there and a lot of red if you can just have a quick look at the investments.","start":685.91003,"end":694.97003,"sentiment":"neutral","sentiment_score":0.24594785234866998},{"text":"The main thing here is that we're just switching out some of the underperforming options, Mainly, the second one in the road, which is the better long concentrated equities, that one's been that one's kind of been underperforming for a couple of years.","start":695.75,"end":712.105,"sentiment":"neutral","sentiment_score":-0.13988000278761828},{"text":"So I'm replacing it like like for like with our Fendi.","start":712.325,"end":716.76,"sentiment":"neutral","sentiment_score":0.03074945898895914},{"text":"So lower investment fees, they've outperformed it one, three, five, and ten years.","start":717.3,"end":722.36,"sentiment":"positive","sentiment_score":0.3805153507452745},{"text":"So it's just a straight up five step on that one.","start":722.66003,"end":726.36,"sentiment":"positive","sentiment_score":0.3601637401364066}],"sentiment":"neutral","sentiment_score":0.1096057339469926,"num_words":117,"start":685.91003,"end":726.36},{"sentences":[{"text":"The other options, I won't go too much in-depth there, but we've we've kind of with the investment committee moved away from some of the kind of European and Japanese markets, a little bit more waiting towards the American and other international fees as well.","start":728.525,"end":743.88,"sentiment":"neutral","sentiment_score":-0.1549047976732254},{"text":"There's a few extra options that I'm kind of rebalancing.","start":743.88,"end":746.46,"sentiment":"neutral","sentiment_score":-0.19794239550828935},{"text":"The main one was just getting rid of that better option.","start":747.08,"end":749.74,"sentiment":"neutral","sentiment_score":-0.22540586780418048},{"text":"K.","start":752.12,"end":752.62,"sentiment":"neutral","sentiment_score":0.05380184203386307},{"text":"Your asset allocation on the next page, there should be a colored pie chart there.","start":753.4,"end":757.59503,"sentiment":"neutral","sentiment_score":0.06705575188000996}],"sentiment":"neutral","sentiment_score":-0.12646300336573182,"num_words":82,"start":728.525,"end":757.59503},{"sentences":[{"text":"And the main thing to point out here is that for a growth risk profile, you kind of want between 80 to 85% growth assets.","start":759.09503,"end":766.395,"sentiment":"neutral","sentiment_score":0.029430054128170013},{"text":"You're currently at 85.","start":766.615,"end":768.135,"sentiment":"neutral","sentiment_score":0.031688534654676914},{"text":"The new portfolio kind of sits at about eighty, eighty one.","start":768.135,"end":770.88,"sentiment":"neutral","sentiment_score":0.05345778505910526},{"text":"So nothing significantly different there.","start":771.12,"end":773.84,"sentiment":"neutral","sentiment_score":0.0188555970788002},{"text":"They're both in line with the.","start":773.84,"end":775.62,"sentiment":"neutral","sentiment_score":0.10460996627807617}],"sentiment":"neutral","sentiment_score":0.04259762569677596,"num_words":51,"start":759.09503,"end":775.62},{"sentences":[{"text":"Correct.","start":785.44,"end":785.94,"sentiment":"neutral","sentiment_score":0.014326903969049454},{"text":"So the fixed interest kind of aims for around about that four to 5%.","start":792.14496,"end":797.44495,"sentiment":"neutral","sentiment_score":-0.020731181671310748},{"text":"Most of those options, they they do fluctuate, though.","start":798.48,"end":801.12,"sentiment":"neutral","sentiment_score":0.020815676699082058},{"text":"So some years it's two, some years it's seven, but four to five is the aim.","start":801.12,"end":805.86,"sentiment":"neutral","sentiment_score":0.06490338570438325},{"text":"Whereas your growth assets, they're all your double digits, 10, 15, 20%.","start":805.92,"end":810.66,"sentiment":"neutral","sentiment_score":0.05881313622618715}],"sentiment":"neutral","sentiment_score":0.0318392934009003,"num_words":52,"start":785.44,"end":810.66},{"sentences":[{"text":"So averaging it out, I think we're aiming for roundabout 9% on average.","start":811.04,"end":815.625,"sentiment":"neutral","sentiment_score":0.3073137952731206},{"text":"But if you go down to the next page, I've kind of given you a bit of an idea on the last five years averaged out.","start":816.16504,"end":823.22504,"sentiment":"neutral","sentiment_score":0.11713404007829152},{"text":"And there should be a table there called fee comparison.","start":823.685,"end":826.185,"sentiment":"neutral","sentiment_score":0.12096346765756608},{"text":"So top right, I've factored in the capital gains tax for switching the options within Nasuva, which is 1,600.","start":829.47,"end":835.73,"sentiment":"neutral","sentiment_score":0.10453881539012257},{"text":"The investment fees are about $2.60 less per year, but the performance difference goes from 8.28% to 12.73 over the last five years.","start":836.67,"end":846.605,"sentiment":"neutral","sentiment_score":0.08586734889642052}],"sentiment":"neutral","sentiment_score":0.13419105026584405,"num_words":91,"start":811.04,"end":846.605},{"sentences":[{"text":"Correct.","start":855.46,"end":855.86,"sentiment":"neutral","sentiment_score":0.16683019697666168},{"text":"So that's based on switching the investment.","start":855.86,"end":858.04,"sentiment":"neutral","sentiment_score":0.18285102077892848},{"text":"Yep.","start":860.5,"end":861.0,"sentiment":"neutral","sentiment_score":0.08327393978834152},{"text":"Correct.","start":872.025,"end":872.34503,"sentiment":"neutral","sentiment_score":0.109526127576828},{"text":"So that's four point four five after all fees, taxes, and premiums, which is no insurance premiums.","start":872.34503,"end":877.805,"sentiment":"neutral","sentiment_score":0.09727765926543404}],"sentiment":"neutral","sentiment_score":0.12197435619654479,"num_words":27,"start":855.46,"end":877.805},{"sentences":[{"text":"And there's a bit of a projection able just below that, which gives you an indication of a five and ten years.","start":879.22504,"end":886.16,"sentiment":"neutral","sentiment_score":0.09310861135070975},{"text":"If the markets continue the way they have been the last five years, this is kind of how it should look going forward.","start":886.38,"end":892.24,"sentiment":"neutral","sentiment_score":0.17684419420750244},{"text":"Of course, markets fluctuate, but that's a bit of an estimate for you.","start":892.86,"end":896.4,"sentiment":"neutral","sentiment_score":-0.015924691294248287},{"text":"Perfect.","start":900.41504,"end":900.91504,"sentiment":"positive","sentiment_score":0.49807655811309814},{"text":"The only last one there is the next table has all of the performance figures side by side over one, three, five, and ten years.","start":902.09503,"end":909.47504,"sentiment":"neutral","sentiment_score":0.08123297229409218}],"sentiment":"neutral","sentiment_score":0.1004486404181946,"num_words":84,"start":879.22504,"end":909.47504},{"sentences":[{"text":"And the only major issue that you have with the current option was because of that Benelon option weighted down, its twelve month performance was a bit flat compared to actually having some pretty significant growth.","start":909.935,"end":922.16003,"sentiment":"negative","sentiment_score":-0.3583508276691039},{"text":"So if you can see that table label, the 02/18/2020 six, It just shows you the side by side.","start":922.22003,"end":928.69495,"sentiment":"neutral","sentiment_score":0.007781844537116979},{"text":"Oh, this is just a straight performance comparison going backwards over one, three, five, and ten years.","start":945.99,"end":951.85,"sentiment":"neutral","sentiment_score":0.026432223891948953},{"text":"Gotcha.","start":960.14496,"end":960.545,"sentiment":"neutral","sentiment_score":0.012654060497879982},{"text":"So the current column is basically all the options that you've currently got with their current ratings, and the recommended column is the options that we've recommended you to switch to.","start":960.545,"end":972.06,"sentiment":"neutral","sentiment_score":0.01663918081190317}],"sentiment":"neutral","sentiment_score":-0.11322075267358181,"num_words":104,"start":909.935,"end":972.06},{"sentences":[{"text":"And be correct.","start":972.28,"end":979.26,"sentiment":"neutral","sentiment_score":0.03355747275054455},{"text":"So yeah.","start":983.16003,"end":992.765,"sentiment":"neutral","sentiment_score":0.030478324741125107},{"text":"So that is the I guess, with the seven or eight options that you've got and the seven or eight that we've recommended, if we actually average them out, that's how it would look going backwards.","start":992.765,"end":1003.85,"sentiment":"neutral","sentiment_score":0.05805483331075973},{"text":"So that's pretty much it for the superannuation side of it because it's just the rebalance from growth to growth.","start":1007.02997,"end":1014.185,"sentiment":"neutral","sentiment_score":0.2524929292500019},{"text":"Everything else in the rest of this document is your beneficiaries, will, and power of attorney all the way up until page 25, 26.","start":1014.485,"end":1024.105,"sentiment":"neutral","sentiment_score":0.09002759167924523}],"sentiment":"neutral","sentiment_score":0.11131910414380186,"num_words":85,"start":972.28,"end":1024.105},{"sentences":[{"text":"I probably don't have to tell you why you should put in place a bill on the beneficiary nomination.","start":1024.405,"end":1028.84,"sentiment":"neutral","sentiment_score":-0.0173741588123927},{"text":"It comes fine, but all of that's in there as general information as well.","start":1029.38,"end":1034.2,"sentiment":"neutral","sentiment_score":0.19579271439995086},{"text":"Perfect.","start":1036.5,"end":1036.995,"sentiment":"positive","sentiment_score":0.39325612783432007},{"text":"No.","start":1037.955,"end":1038.195,"sentiment":"neutral","sentiment_score":0.1842980831861496},{"text":"That's all good.","start":1038.195,"end":1038.755,"sentiment":"neutral","sentiment_score":0.31233370304107666}],"sentiment":"neutral","sentiment_score":0.10330379748177763,"num_words":38,"start":1024.405,"end":1038.755},{"sentences":[{"text":"And, again, like I said, we'll send it through the hard copy with the return envelope, and it'll have a cover letter explaining how to do it.","start":1038.755,"end":1045.315,"sentiment":"neutral","sentiment_score":0.1845520442282712},{"text":"If you have any questions, just call the team.","start":1045.315,"end":1047.315,"sentiment":"neutral","sentiment_score":0.16700058182080588},{"text":"They can walk you through it over the phone.","start":1047.315,"end":1049.175,"sentiment":"neutral","sentiment_score":0.21685489349895054},{"text":"Yeah.","start":1063.88,"end":1064.12,"sentiment":"neutral","sentiment_score":0.10197840631008148},{"text":"Absolutely.","start":1064.12,"end":1064.62,"sentiment":"positive","sentiment_score":0.43192875385284424}],"sentiment":"neutral","sentiment_score":0.19088322621710757,"num_words":47,"start":1038.755,"end":1064.62},{"sentences":[{"text":"Yeah.","start":1093.675,"end":1093.995,"sentiment":"neutral","sentiment_score":0.07278354465961456},{"text":"Absolutely.","start":1093.995,"end":1094.495,"sentiment":"neutral","sentiment_score":0.2555820941925049},{"text":"I actually got a updated report generated this morning for you, and I'll email that through separately to see you've got that there on file.","start":1094.555,"end":1103.535,"sentiment":"neutral","sentiment_score":0.23527401119470595},{"text":"Awesome.","start":1106.2,"end":1106.7,"sentiment":"positive","sentiment_score":0.49870777130126953},{"text":"A bit of forewarning.","start":1106.7599,"end":1107.6599,"sentiment":"neutral","sentiment_score":0.06669302005320787}],"sentiment":"neutral","sentiment_score":0.21799049281980842,"num_words":32,"start":1093.675,"end":1107.6599},{"sentences":[{"text":"It has actually dipped down quite a bit recently.","start":1108.2799,"end":1111.5,"sentiment":"neutral","sentiment_score":-0.2082018471426434},{"text":"All of the things that happened over Christmas, everything's kind of going into negative.","start":1111.7999,"end":1116.46,"sentiment":"neutral","sentiment_score":-0.23334252727883203},{"text":"So it's probably a good time to be updating a few things for sure.","start":1116.6,"end":1120.0599,"sentiment":"neutral","sentiment_score":-0.017434256949595044},{"text":"Bit of both.","start":1131.6951,"end":1132.495,"sentiment":"neutral","sentiment_score":-0.041096595426400505},{"text":"So everything that's kind of happened with the Australian and international markets, that's reflected pretty well within the portfolio.","start":1132.495,"end":1139.36,"sentiment":"neutral","sentiment_score":0.004698336124420165}],"sentiment":"neutral","sentiment_score":-0.09184259327791505,"num_words":59,"start":1108.2799,"end":1139.36},{"sentences":[{"text":"So bit of a dip over Christmas.","start":1139.82,"end":1141.9199,"sentiment":"neutral","sentiment_score":-0.23144065269402095},{"text":"Obviously, gold prices went up $4.60 percent and they crashed a little bit.","start":1142.2999,"end":1146.7,"sentiment":"neutral","sentiment_score":-0.28187626141768235},{"text":"So that's kind of all over the shop.","start":1146.7,"end":1149.2799,"sentiment":"neutral","sentiment_score":-0.12295894417911768},{"text":"But that one option has kind of not been doing what the rest of the Australian market's been doing.","start":1149.765,"end":1155.0651,"sentiment":"neutral","sentiment_score":-0.21542173584825114},{"text":"Yeah.","start":1157.925,"end":1158.425,"sentiment":"neutral","sentiment_score":-0.24733662605285645}],"sentiment":"neutral","sentiment_score":-0.22101035683105388,"num_words":48,"start":1139.82,"end":1158.425},{"sentences":[{"text":"Correct.","start":1161.285,"end":1161.785,"sentiment":"neutral","sentiment_score":-0.05233429744839668},{"text":"So overall, it reflects pretty well side to side except for that one portion, and that one portion, I really just have to flag and get it.","start":1162.005,"end":1170.5299,"sentiment":"neutral","sentiment_score":-0.0827211854910409},{"text":"We're halfway there.","start":1187.525,"end":1188.885,"sentiment":"neutral","sentiment_score":0.0411403514444828},{"text":"So with the selling of that option, because it's dropped down, the losses from that actually offset the gains for the other options that we're switching.","start":1188.885,"end":1197.52,"sentiment":"neutral","sentiment_score":0.16740638562119925},{"text":"So it actually, oddly enough, minimizes the capital gains tax.","start":1197.52,"end":1200.98,"sentiment":"neutral","sentiment_score":0.06715545207262039}],"sentiment":"neutral","sentiment_score":0.04271246709707958,"num_words":67,"start":1161.285,"end":1200.98},{"sentences":[{"text":"Correct.","start":1205.36,"end":1205.76,"sentiment":"neutral","sentiment_score":0.1620902419090271},{"text":"So that offsets that a little bit, which is nice.","start":1205.76,"end":1208.475,"sentiment":"positive","sentiment_score":0.42088112980127335},{"text":"Yes.","start":1211.035,"end":1211.515,"sentiment":"neutral","sentiment_score":0.1887992024421692},{"text":"But on the flip side, normally, you keep an eye on for an option for a maximum of about two years.","start":1211.515,"end":1217.0549,"sentiment":"neutral","sentiment_score":0.012136739634332202},{"text":"And with most options, they tend to like, if there's five different managers competing for Australian shares, they kind of jostle for position every year.","start":1217.515,"end":1227.0199,"sentiment":"neutral","sentiment_score":-0.034681947231292726}],"sentiment":"neutral","sentiment_score":0.06806075161901014,"num_words":58,"start":1205.36,"end":1227.0199},{"sentences":[{"text":"Some of them are like the second best, third best, yada yada yada.","start":1227.0199,"end":1230.08,"sentiment":"neutral","sentiment_score":0.038533966665944226},{"text":"With this one in particular, it's kind of split off from the past.","start":1230.3799,"end":1236.555,"sentiment":"neutral","sentiment_score":-0.1716110952771627},{"text":"Whereas everyone's kind of doing six to eight percent this year, it kind of dropped down 20%.","start":1236.555,"end":1242.015,"sentiment":"neutral","sentiment_score":-0.2374425999381963},{"text":"And it's like, why have they done that?","start":1242.2351,"end":1244.3351,"sentiment":"negative","sentiment_score":-0.3731433227658272},{"text":"They picked a few bad apples in, oddly enough, some companies linked to The UK, which had few news articles there where they have to owe people for overcharging, like airline fees and things like that.","start":1244.555,"end":1257.8501,"sentiment":"negative","sentiment_score":-0.4315943519274394}],"sentiment":"neutral","sentiment_score":-0.2791847140506852,"num_words":87,"start":1227.0199,"end":1257.8501},{"sentences":[{"text":"And then they've had some exits from their fund itself where most of their fund managers and professionals have actually left the fund.","start":1258.15,"end":1267.035,"sentiment":"neutral","sentiment_score":-0.2503726838723473},{"text":"So this is one case where I don't think it will come back.","start":1267.335,"end":1271.195,"sentiment":"neutral","sentiment_score":-0.31355592149954575},{"text":"Yes.","start":1286.63,"end":1286.95,"sentiment":"neutral","sentiment_score":0.04126480966806412},{"text":"Correct.","start":1286.95,"end":1287.35,"sentiment":"neutral","sentiment_score":-0.04106801003217697},{"text":"So each one's split into a different asset class, like the Bed Along was buying Australian shares.","start":1287.35,"end":1292.135,"sentiment":"neutral","sentiment_score":0.03101128082284156}],"sentiment":"neutral","sentiment_score":-0.1692256388169798,"num_words":55,"start":1258.15,"end":1292.135},{"sentences":[{"text":"You've got the gold ETF, which literally just tracked the gold price.","start":1293.0751,"end":1297.255,"sentiment":"neutral","sentiment_score":0.05096855169783036},{"text":"You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on.","start":1297.555,"end":1306.5,"sentiment":"neutral","sentiment_score":0.03318644776616408},{"text":"So they're essentially just a fund that buys a collection of shares or properties or different assets.","start":1306.58,"end":1311.88,"sentiment":"neutral","sentiment_score":0.02774616960874375},{"text":"Oh, no.","start":1340.89,"end":1341.21,"sentiment":"neutral","sentiment_score":-0.02350814826786518},{"text":"The former.","start":1341.21,"end":1341.85,"sentiment":"neutral","sentiment_score":-0.017860643565654755}],"sentiment":"neutral","sentiment_score":0.03149746819066682,"num_words":56,"start":1293.0751,"end":1341.85},{"sentences":[{"text":"So they've each got, like, an investment objective, and they have to invest within those parameters.","start":1341.85,"end":1347.55,"sentiment":"neutral","sentiment_score":-0.0028109747217968106},{"text":"So for example, if we one of the options you've got is, like, an s and p 500, which is which we just buy in the top 500 companies in The US.","start":1348.01,"end":1356.985,"sentiment":"neutral","sentiment_score":-0.009165823925286531},{"text":"It can't deviate outside of those 500 companies.","start":1357.845,"end":1360.825,"sentiment":"neutral","sentiment_score":-0.06700315652415156},{"text":"So it would normally buy so they buy Australian shares, so things like the ASX 200.","start":1366.87,"end":1373.4501,"sentiment":"neutral","sentiment_score":-0.013904843828640878},{"text":"But because it's a concentrated fund, they try and pick 20 or 30 out of that 200, and they've just been consistently picking them up.","start":1373.5901,"end":1387.665,"sentiment":"neutral","sentiment_score":0.028939871713519097}],"sentiment":"neutral","sentiment_score":-0.0038483290904268775,"num_words":97,"start":1341.85,"end":1387.665},{"sentences":[{"text":"Cool.","start":1387.665,"end":1388.165,"sentiment":"positive","sentiment_score":0.352524995803833},{"text":"Oh, and if you ever wanna read up on it, because that's kind of my weekend reading, is we include links to each fund's profile on the the appendix document that we've got attached.","start":1388.625,"end":1400.5801,"sentiment":"neutral","sentiment_score":0.1307663919732851},{"text":"So if you ever wanna look at what each of them do, yeah, it will show you fees, performance, asset allocation, and objectives, and that's kind of our starting point when we review the option.","start":1400.5801,"end":1411.375,"sentiment":"neutral","sentiment_score":0.18233926807131087},{"text":"And if you do have a minute, did you wanna Google one with me now, or do you wanna have a look at it a little bit later?","start":1413.675,"end":1420.975,"sentiment":"neutral","sentiment_score":0.05257818182664258},{"text":"So every time I show people this, because this is something that we were talking about Christmas time, this is as as clear cut as you can possibly see.","start":1423.86,"end":1432.26,"sentiment":"neutral","sentiment_score":0.12118475139141083}],"sentiment":"neutral","sentiment_score":0.12729924084164027,"num_words":127,"start":1387.665,"end":1432.26},{"sentences":[{"text":"So if you hop on Google and actually type in Benelong concentrated with two n's.","start":1432.26,"end":1440.2749,"sentiment":"neutral","sentiment_score":0.053981348996361096},{"text":"So it's b e, n n, e l o n g, so Bennelong, and then concentrated.","start":1440.895,"end":1447.395,"sentiment":"neutral","sentiment_score":0.04053793370258063},{"text":"So when you go on that website, I'll just kind of jump alongside you with it.","start":1450.975,"end":1456.14,"sentiment":"neutral","sentiment_score":0.12884029000997543},{"text":"If you go on that website, we've got it's orange.","start":1456.28,"end":1459.74,"sentiment":"neutral","sentiment_score":0.06525128409266472},{"text":"And if you scroll down, there's a few tabs down there called fund overview and performance.","start":1459.88,"end":1464.9401,"sentiment":"neutral","sentiment_score":0.07743283314630389}],"sentiment":"neutral","sentiment_score":0.07412616418649072,"num_words":73,"start":1432.26,"end":1464.9401},{"sentences":[{"text":"Yep.","start":1467.645,"end":1468.045,"sentiment":"neutral","sentiment_score":0.1342666745185852},{"text":"And so what you can sort of see is the benchmark is the s and p ASX 300 index.","start":1468.045,"end":1474.225,"sentiment":"neutral","sentiment_score":0.14424623745052437},{"text":"So it's kind of trying to compete with the 300 companies in Australia.","start":1475.085,"end":1479.84,"sentiment":"neutral","sentiment_score":0.20640094234393194},{"text":"It's got its fees there.","start":1480.22,"end":1481.76,"sentiment":"neutral","sentiment_score":0.1283194378018379},{"text":"And then the performance tab, that's probably the easiest one to see.","start":1482.22,"end":1486.4,"sentiment":"neutral","sentiment_score":0.16638043274482092}],"sentiment":"neutral","sentiment_score":0.16392639636993409,"num_words":50,"start":1467.645,"end":1486.4},{"sentences":[{"text":"January 31, you've got your one, three, five, and ten years.","start":1486.54,"end":1490.48,"sentiment":"neutral","sentiment_score":0.07560167122970927},{"text":"And oddly enough, back three, four years ago, they were the most awarded fund manager in the country and minus 21% in the last year, minus 2% per annum for three years, and whatever's happened the last few years has just completely destroyed the fund almost.","start":1490.86,"end":1510.55,"sentiment":"neutral","sentiment_score":-0.22579744579675404},{"text":"So most of the time, it just happens instantly, and that's why every year they kind of, like I was saying, jostle position on who's top, who's second.","start":1527.185,"end":1534.51,"sentiment":"neutral","sentiment_score":0.02152793827813834},{"text":"But this one, we're quite critical of because while the pack has kind of been following the market and doing well, they put off in a completely different direction for multiple years in a row and haven't been able to bring it back, and it didn't pay off.","start":1535.21,"end":1551.575,"sentiment":"neutral","sentiment_score":-0.2602829503205915},{"text":"Now yeah.","start":1552.115,"end":1554.515,"sentiment":"neutral","sentiment_score":-0.07970121130347252}],"sentiment":"neutral","sentiment_score":-0.16003900658763962,"num_words":135,"start":1486.54,"end":1554.515},{"sentences":[{"text":"And then if you look at on Google again, you can just type in it's called Alfiniti with a p h, Australian share funds.","start":1554.515,"end":1563.4401,"sentiment":"neutral","sentiment_score":0.04718079060936967},{"text":"And if you just go on their main website and under the, like, the performance tab at the top, you should be able to see there they've got the as Afiniti Australian share funds.","start":1566.54,"end":1581.2051,"sentiment":"neutral","sentiment_score":0.06908237200011225},{"text":"And in that table compared to this no.","start":1584.545,"end":1588.2899,"sentiment":"neutral","sentiment_score":0.008454095805063844},{"text":"The one above it.","start":1589.87,"end":1591.01,"sentiment":"neutral","sentiment_score":-0.030768714379519224},{"text":"Yep.","start":1593.47,"end":1593.87,"sentiment":"neutral","sentiment_score":0.10270264744758606}],"sentiment":"neutral","sentiment_score":0.0496957771689959,"num_words":71,"start":1554.515,"end":1593.87},{"sentences":[{"text":"So it's the same index, the ASX 300 index.","start":1593.87,"end":1597.1499,"sentiment":"neutral","sentiment_score":0.12802056140369839},{"text":"So it's it's in the same group of funds, but the one three five ten year performance kind of outstripped it, and it's actually managed to outperform the Australian market over this period too.","start":1597.1499,"end":1607.8049,"sentiment":"neutral","sentiment_score":0.1984049520071815},{"text":"Yes.","start":1609.3049,"end":1609.8049,"sentiment":"neutral","sentiment_score":0.1488490253686905},{"text":"So yeah.","start":1610.585,"end":1612.4249,"sentiment":"neutral","sentiment_score":0.17003656178712845},{"text":"So if we've got this blend for you of a bit of passive, a bit of active, so it's mainly these low fee ETFs with a few funds that are actively managed that try to outperform the index.","start":1612.4249,"end":1622.74,"sentiment":"neutral","sentiment_score":0.2223958655407554}],"sentiment":"neutral","sentiment_score":0.20045141024248941,"num_words":84,"start":1593.87,"end":1622.74},{"sentences":[{"text":"If you pay the slightly higher fees for those options, you want them to actually outperform the low fee option essentially.","start":1623.36,"end":1630.595,"sentiment":"neutral","sentiment_score":0.24207447469234467},{"text":"Now that's the most bare bones kind of comparison.","start":1633.0549,"end":1635.615,"sentiment":"neutral","sentiment_score":0.1407848878039254},{"text":"We went a little bit more in-depth with it in the investment committee actually did a full review of that one fund manager.","start":1635.615,"end":1640.915,"sentiment":"neutral","sentiment_score":0.15443347297284915},{"text":"And around Christmas time, we were like, no.","start":1641.295,"end":1645.21,"sentiment":"neutral","sentiment_score":-0.08649443741887808},{"text":"This is pretty much a sell in almost every case.","start":1645.21,"end":1647.71,"sentiment":"neutral","sentiment_score":-0.1332913815975189}],"sentiment":"neutral","sentiment_score":0.1109539228425899,"num_words":71,"start":1623.36,"end":1647.71},{"sentences":[{"text":"K.","start":1651.0499,"end":1651.2899,"sentiment":"neutral","sentiment_score":0.05106329917907715},{"text":"So that's kind of a bit of a broad look at it.","start":1651.2899,"end":1654.51,"sentiment":"neutral","sentiment_score":0.06821366896231969},{"text":"Again, we've got some reports through research houses that go a lot more in-depth under the hood, but it's just a good starting point to see kind of why we're doing what we're doing.","start":1654.73,"end":1663.8849,"sentiment":"neutral","sentiment_score":0.19703787828192992},{"text":"Oh, yeah.","start":1692.735,"end":1693.135,"sentiment":"neutral","sentiment_score":0.261237308382988},{"text":"Absolutely.","start":1693.135,"end":1693.635,"sentiment":"neutral","sentiment_score":0.2419971227645874}],"sentiment":"neutral","sentiment_score":0.16666773855686187,"num_words":50,"start":1651.0499,"end":1693.635},{"sentences":[{"text":"And a lot of the time when we do annual reviews, people look at it obviously in that twelve month snapshot, and they're going, okay.","start":1693.6951,"end":1700.76,"sentiment":"neutral","sentiment_score":0.020004230961203576},{"text":"Well, if this one's gone down a little bit, just get rid of it.","start":1700.76,"end":1703.64,"sentiment":"neutral","sentiment_score":-0.18312839897615568},{"text":"And you go, okay.","start":1703.64,"end":1704.28,"sentiment":"neutral","sentiment_score":-0.021110352594405413},{"text":"We've got to look a little bit more long term here.","start":1704.28,"end":1706.38,"sentiment":"neutral","sentiment_score":-0.031248020685531876},{"text":"But there's a few factors again, indicators where you go, this one's actually a critical need to reflect.","start":1706.6,"end":1713.675,"sentiment":"neutral","sentiment_score":-0.022007858380675316}],"sentiment":"neutral","sentiment_score":-0.040111151394537754,"num_words":72,"start":1693.6951,"end":1713.675},{"sentences":[{"text":"So, yeah, more than happy to go through that with you.","start":1714.155,"end":1716.9551,"sentiment":"neutral","sentiment_score":-0.015266330066052351},{"text":"And if you sorry.","start":1716.9551,"end":1723.5951,"sentiment":"neutral","sentiment_score":-0.08400100655853748},{"text":"What was that, Sarah?","start":1723.5951,"end":1724.2351,"sentiment":"neutral","sentiment_score":-0.07104358449578285},{"text":"A bit of a gamble.","start":1724.2351,"end":1725.135,"sentiment":"neutral","sentiment_score":-0.13187147974967955},{"text":"Yeah.","start":1733.8099,"end":1734.21,"sentiment":"neutral","sentiment_score":0.07238513231277466}],"sentiment":"neutral","sentiment_score":-0.05500321045517922,"num_words":25,"start":1714.155,"end":1734.21},{"sentences":[{"text":"That's right.","start":1734.21,"end":1734.69,"sentiment":"neutral","sentiment_score":0.14144714176654816},{"text":"And I guess what we're looking for when it comes to retirement is, like, consistency.","start":1734.69,"end":1738.3899,"sentiment":"neutral","sentiment_score":0.14635793765385946},{"text":"Because for most people, trying to get a good average return that's a couple of percent above what they were doing before, that gets an extra few 100,000 in retirement.","start":1739.09,"end":1749.255,"sentiment":"positive","sentiment_score":0.3447838298976421},{"text":"We're not trying to day trade people super and buy and sell this to get them a four 100% return and make them $2,000,000,000.","start":1749.715,"end":1757.3999,"sentiment":"neutral","sentiment_score":0.17661514226347208},{"text":"We're just trying to get them from, you know, 700 thousand to 1,000,000 days you're comfortable.","start":1757.3999,"end":1761.8999,"sentiment":"neutral","sentiment_score":0.3118520453572273}],"sentiment":"neutral","sentiment_score":0.25345028029091055,"num_words":87,"start":1734.21,"end":1761.8999},{"sentences":[{"text":"We need consistency.","start":1762.2799,"end":1763.26,"sentiment":"neutral","sentiment_score":0.24096083641052246},{"text":"And that's you know, some people are looking for that.","start":1766.5199,"end":1768.6799,"sentiment":"neutral","sentiment_score":0.17054526954889299},{"text":"They want you to buy and sell on a daily basis and try and make them rich overnight.","start":1768.6799,"end":1772.785,"sentiment":"neutral","sentiment_score":0.14560428137580553},{"text":"That's just not our philosophy when it comes to superimitable time.","start":1772.785,"end":1776.325,"sentiment":"neutral","sentiment_score":0.015524299307302996},{"text":"Cool.","start":1782.545,"end":1782.945,"sentiment":"positive","sentiment_score":0.4377424716949463}],"sentiment":"neutral","sentiment_score":0.13157493101302967,"num_words":43,"start":1762.2799,"end":1782.945},{"sentences":[{"text":"No worries at all.","start":1782.945,"end":1783.905,"sentiment":"neutral","sentiment_score":0.27410585433244705},{"text":"That's pretty much everything for this advice document.","start":1783.905,"end":1786.36,"sentiment":"neutral","sentiment_score":0.31466469541192055},{"text":"Again, I'll send out those beneficiaries to you.","start":1786.4199,"end":1789.24,"sentiment":"neutral","sentiment_score":0.2019304782152176},{"text":"And once we get that through, we'll do the investment switches, and that's pretty much it for the time being.","start":1789.94,"end":1796.2,"sentiment":"neutral","sentiment_score":0.2587063655257225},{"text":"Now for your next annual review, do you want me to pencil you in for some quarterly catch ups this year, or should we just wait until that review to see if you kind of had some significant changes at that point?","start":1796.82,"end":1811.4249,"sentiment":"neutral","sentiment_score":0.06838984033536344}],"sentiment":"neutral","sentiment_score":0.16189860257251962,"num_words":82,"start":1782.945,"end":1811.4249},{"sentences":[{"text":"Yep.","start":1818.5299,"end":1819.0299,"sentiment":"neutral","sentiment_score":0.04734326526522637},{"text":"Yeah.","start":1823.4099,"end":1823.8099,"sentiment":"neutral","sentiment_score":0.19715088605880737},{"text":"Perfect.","start":1823.8099,"end":1824.21,"sentiment":"positive","sentiment_score":0.3650182485580444},{"text":"Perfect.","start":1824.21,"end":1824.5299,"sentiment":"positive","sentiment_score":0.3464735150337219},{"text":"So we will be speaking again this year, and I'll send that report through to you from NetWell.","start":1824.5299,"end":1830.615,"sentiment":"neutral","sentiment_score":0.22220151705874336}],"sentiment":"neutral","sentiment_score":0.2252551464533264,"num_words":22,"start":1818.5299,"end":1830.615},{"sentences":[{"text":"But when we do the next review, we'll kind of go over it'll probably be it'll be less than a year, of course, or really it's up to you.","start":1831.095,"end":1839.095,"sentiment":"neutral","sentiment_score":0.08340651130881803},{"text":"We can give it twelve months from now to see how it performs, or we can still catch up in six months' time at the normal review day.","start":1839.095,"end":1846.08,"sentiment":"neutral","sentiment_score":0.10934037422495228},{"text":"Yep.","start":1853.2799,"end":1853.7799,"sentiment":"neutral","sentiment_score":0.11585356295108797},{"text":"Perfect.","start":1865.9551,"end":1866.435,"sentiment":"positive","sentiment_score":0.7772310972213745},{"text":"So when we catch up at that time, I'll give you another updated report.","start":1866.435,"end":1870.535,"sentiment":"neutral","sentiment_score":0.28101506935698645}],"sentiment":"neutral","sentiment_score":0.1412002046222556,"num_words":73,"start":1831.095,"end":1870.535},{"sentences":[{"text":"We'll go through if there's been any changes with, you know, work and family and goals, and we'll just kinda see how it's tracked for that first quarter or two since we made the switches.","start":1870.595,"end":1880.5199,"sentiment":"neutral","sentiment_score":0.2982752672263554},{"text":"Awesome, Sarah.","start":1883.86,"end":1884.58,"sentiment":"positive","sentiment_score":0.7898671627044678},{"text":"Well, thank you very much for the time this morning.","start":1884.58,"end":1886.4199,"sentiment":"positive","sentiment_score":0.7977965235710144},{"text":"Any questions for me before I let you go?","start":1886.4199,"end":1888.6,"sentiment":"neutral","sentiment_score":0.3115360935529073},{"text":"That's okay.","start":1893.4349,"end":1894.075,"sentiment":"positive","sentiment_score":0.41542449593544006}],"sentiment":"positive","sentiment_score":0.4074484094463546,"num_words":58,"start":1870.595,"end":1894.075},{"sentences":[{"text":"And I will double check and make sure you do get SMS reminders before I next catch up.","start":1894.075,"end":1899.215,"sentiment":"neutral","sentiment_score":0.25602705942259896},{"text":"Thank you, Sarah.","start":1903.115,"end":1903.755,"sentiment":"positive","sentiment_score":0.7642288208007812},{"text":"Have a fantastic weekend, and I'll talk to you soon.","start":1903.755,"end":1909.6628,"sentiment":"positive","sentiment_score":0.6172575518488884},{"text":"Bye.","start":1909.6628,"end":1910.1628,"sentiment":"neutral","sentiment_score":-0.09176696091890336}],"sentiment":"positive","sentiment_score":0.40568694029934704,"num_words":32,"start":1894.075,"end":1910.1628}]}}]},{"alternatives":[{"transcript":"Hello. Sarah speaking. Oh, good. Thanks. How are you? Oh, that's okay. Yeah. That's fine. Yes. That's fine. Second is the 889 And 18 Arvaterra, Savendale Heights three zero two four. Just a sec. So I haven't been getting reminders when I'm meant to be getting a call as well, by the way. So I'm always I'm never sort of I'm fine to talk, but I always forget that I've got it on, and I'm never sort of prepare. Yeah. Yeah. Thanks. Never seem to get them. Yeah. Yep. I've got them. I've got two emails from you. Okay. Financial signature request statement of advice, Sarah Dart, and the same. Yep. Yep. Yep. Yep. No. It's it's fun. Yep. Yeah. I got it. No. I'm still on that. So I was on my work leave until November. So I can't remember when this one is due to expire, but I'm still on it for just a little bit. No. I'm back like, I'm at I'm at on placement for uni now, but I'm not paid for that. So I don't so you can just important from a financial perspective, I guess, but anything I think that's changed, really. Yep. Thank you. Yep. Yep. Yep. Yes. Yeah. Yeah. Yep. Yep. It does. I don't think I've done it, but yeah. Yep. Yeah. Okay. No. Great. Thanks. And that was a hard copy that you're sending me, and it will have yep. And yep. Okay. Yep. And it will have a return envelope. Or do I need to do I need to send you the hard copy back? Then if you need a wet sign, there'll always be a return. Okay. Yep. Yep. Okay. Cool. Yep. Yeah. Okay. No problem. I can do that. Yep. Yep. Yep. Sorry. I'm just bringing it back up. Yep. Got it. Yep. Yep. Sure. Yeah. And that's fine. And I think I've mentioned before as well, there's sort of a fairly significant, like, yeah, you can, Maggie, like, family estate that I'll be sort of accessing. But then anyway, so I'm not yeah. I'm more just sort of yeah. I I guess I'm not concerned about a specific retirement fund goal. It's more just sort of managing my wealth in a responsible way. Oh, yes. That's right. Yeah. One moment. Yep. Yeah. Yep. Yep. Exactly. Yep. No. Yeah. I mean, like, I I would say my car at this point is probably more 20 than 25. The house, like, I mean, no significant changes. Nothing really. But, like, I I would say it's probably worth more than that now, but I also, like, just don't know. I just haven't done any re no. No. Specific valuation. I just expect it would have gone up a bit just both through what I've done and just the house prices in this area rising. And do you want some milk or not? Yeah. Sorry. But I haven't had it valued, so it's sort of up to you. I don't know how important that is to update, or it's better to just leave it as is without a specific sort of trigger to change it. Yep. Yep. Yep. Yep. Yep. Yeah. So I won't have yeah. I won't be I won't have any contributions for a little while. So, yeah, I guess that that's sort of an important factor for next year. Yes. Yeah. Yep. Yep. Yep. Definitely. Is that every time you sort of update, like, you know, manage my finances and move things around? Yeah. Okay. I mean, I assume that you take that into account when you're signing whether the the move is worthwhile then. But, yeah, that's fine. I mean, yeah, as long as you're doing that, which seems pretty common sense. So that's fine. Okay. Yep. Yeah. Wow. Okay. Yep. Yep. Yep. Okay. Yes. Okay. Yep. Sure. Okay. Mhmm. K. So what's that fixed interest making? Just out of interest as a sort of a baseline of, I assume, that's that's more the sort of security portion. What's what's that? It's just as a sort of a a reference point. What's that making roughly? I don't know what changes. Yep. Okay. Sure. Yep. Yep. Yeah. Correct. Yep. Okay. Perfect. Okay. Yep. Mhmm. Mhmm. Right. So this is a comparison based on the changes that you're making rather than the overall summary. Is that correct? Yep. Yep. Okay. Yep. So four point 45% projected increase based on that that's what you're projecting when you take into account the fees and costs and stuff? Yeah. Yeah. Mhmm. Mhmm. Okay. Sure. Looks good. Mhmm. Right. So is this again so current and recommended. So reckon so sorry. Is this a is this a projection table, or is this going Based on what what is invested or so what's the recommended column for there? Yeah. That is oh, okay. So this is their growth looking back over the past five, twelve, three, five, ten years. Is that right? Yeah. Okay. Right. Okay. So this is still a a sort of a the basis point, like, data to to sort of prompt me towards the change rather than looking back over overall performance. Is that right? Yeah. Okay. Yep. Yep. Cool. Yep. No. I know. Yep. That's fine. Yep. I just have to get around to doing it. Sure. So can you can you just I know this is not strictly part of this call. This is not my regular annual annual review, but can you just give me a a basic summary of what the performance has looked like over the last twelve months? Like, accounting for my because I when I look at my super and I always go, oh, you know, it's growing really well. That's great. But then I'm not sort of seeing that broken down by, like, what what did my employee employee contributions versus the growth of, you know, the investments, if that makes sense. So I'm sort of like, it's hard to see how well it's performing, like, taking into account that some of it is just those contributions, if you if that makes sense. So if you yeah. Alright. Great. Yep. Perfect. Okay. Yep. Yep. Yep. Yeah. And is that aligned with just the the broader global markets? Or, like, how does that sort of fit with with the picture of what's been happening globally? Yep. Yeah. Yep. Yep. Yep. That's been the okay. Yep. So that's been the big drag, and that's what you're getting rid of. Okay. Yep. Yeah. Okay. So that just becomes a point of, at some point, cutting losses and getting rid of it rather than hoping it'll come back and just accepting the the fees and taxes that come along with that change. Is that sort of your decision making process point? Or Oh, right. Of course. Yeah. You wouldn't you you wouldn't have capital gains on it if you've not made any capital. Yeah. Okay. Alright. Yeah. So it's definitely worth selling. Yep. Yep. Yep. Okay. Okay. Yep. Yeah. Okay. Yeah. So what exactly is I'm sorry, Maggie. What exactly is like, they're they're sort of portfolios that are just collections of, you know, of different sort of types of investment. Is that, like, broadly what these are? And do they have a, like, a mandate of breach sort of one of these, like, the the Benelon one that you or whatever it's called that you're getting rid of? Do do they have does that have, like, a certain sort of mandate of, like, what type of shares those are? Like, you mentioned The UK shares. Is it, like or or are they just sort of each their own little portfolio like, their own sort of portfolio of what they think is gonna perform well with no, like, parameters? Yep. So what's the Bennelong one that you're getting rid of just out of interest? What what's what's their broad mandate? Yep. Right. Yeah. Okay. Okay. That's good to know. Just interested. Yes. Okay. Okay. I might have a look. Yep. Yes. I'll have a look. Sure. No. Let's let's have a Google. Yep. Mhmm. Yep. Got it. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yes. Okay. So just sort of had some bad, yeah, really bad decision making and never looks of it. Or is that is that right, or is it just sort of the unpredictability? Like, would you say that that are you sort of quite critical then of of how they've managed their fund the last few years, or do these things just happen innocently? Yep. Yep. And it didn't pay off. Yeah. Okay. Yep. So you're dumping them, basically. Yep. Mhmm. Yep. Yep. Concentrated? Is it Aufiniti concentrated or oh, Australian shit. Yeah. Okay. Yeah. I see. Yep. Yep. Yep. Yeah. Okay. So that's sort of what what you want. Hey. Yes. You do. Yep. Okay. Yep. Okay. Yeah. No. That's that's great. Thank you for talking me through all of that. That's very useful to understand. I'm very happy with you guys. You know? Like, I don't need I I don't wanna sort of get into the weeds of of things and have to take your advice because that's what I'm paying for. But I'm just it's interesting to know, like, when something is not performing, how like, why and how, you know, those sort of decisions are made and and what the solution is. So that's really good. Yeah. Yeah. Well, it's all a gamble, isn't it? It's it's Sorry. Go on. I just was saying it's all it's a bit of gamble. You've gotta give something a chance. You can't just switch out every time something doesn't do very well. Yeah. Yep. Yeah. Exactly. Yep. Yep. Yep. Yep. Absolutely. No. Yeah. Okay. Great. No. Thank you for that, Tommy. That was that was really useful. Yeah. Perfect. Yep. Yep. Let's go let's just do the quarterly sorry, the annual review for now and and just decide from there, I think. Yep. Yep. Let's just do the yeah. Let's let's do a normal review And, you know, I'm sort of I'd trust you to sort of manage it and see how it's going. And, yeah, I don't need to micromanage or know every step of what you're doing as long as you you know, I'm happy with your decision making process, so that's fine. Yep. Sounds good. No. No. That's all that's all good. Thank you for taking the time. Yep. Wonderful. Thank you. Thanks. Tell me too. 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Sarah speaking. Oh, good. Thanks. How are you?\n\nOh, that's okay. Yeah. That's fine. Yes. That's fine.\n\nSecond is the 889 And 18 Arvaterra, Savendale Heights three zero two four. Just a sec. So I haven't been getting reminders when I'm meant to be getting a call as well, by the way. So I'm always I'm never sort of I'm fine to talk, but I always forget that I've got it on, and I'm never sort of prepare. Yeah.\n\nYeah. Thanks. Never seem to get them. Yeah. Yep.\n\nI've got them. I've got two emails from you. Okay. Financial signature request statement of advice, Sarah Dart, and the same. Yep.\n\nYep. Yep. Yep. No. It's it's fun.\n\nYep. Yeah. I got it. No. I'm still on that.\n\nSo I was on my work leave until November. So I can't remember when this one is due to expire, but I'm still on it for just a little bit. No. I'm back like, I'm at I'm at on placement for uni now, but I'm not paid for that. So I don't so you can just important from a financial perspective, I guess, but anything I think that's changed, really.\n\nYep. Thank you. Yep. Yep. Yep.\n\nYes. Yeah. Yeah. Yep. Yep.\n\nIt does. I don't think I've done it, but yeah. Yep. Yeah. Okay.\n\nNo. Great. Thanks. And that was a hard copy that you're sending me, and it will have yep. And yep.\n\nOkay. Yep. And it will have a return envelope. Or do I need to do I need to send you the hard copy back? Then if you need a wet sign, there'll always be a return.\n\nOkay. Yep. Yep. Okay. Cool.\n\nYep. Yeah. Okay. No problem. I can do that.\n\nYep. Yep. Yep. Sorry. I'm just bringing it back up.\n\nYep. Got it. Yep. Yep. Sure.\n\nYeah. And that's fine. And I think I've mentioned before as well, there's sort of a fairly significant, like, yeah, you can, Maggie, like, family estate that I'll be sort of accessing. But then anyway, so I'm not yeah. I'm more just sort of yeah.\n\nI I guess I'm not concerned about a specific retirement fund goal. It's more just sort of managing my wealth in a responsible way. Oh, yes. That's right. Yeah.\n\nOne moment. Yep. Yeah. Yep. Yep.\n\nExactly. Yep. No. Yeah. I mean, like, I I would say my car at this point is probably more 20 than 25.\n\nThe house, like, I mean, no significant changes. Nothing really. But, like, I I would say it's probably worth more than that now, but I also, like, just don't know. I just haven't done any re no. No.\n\nSpecific valuation. I just expect it would have gone up a bit just both through what I've done and just the house prices in this area rising. And do you want some milk or not? Yeah. Sorry.\n\nBut I haven't had it valued, so it's sort of up to you. I don't know how important that is to update, or it's better to just leave it as is without a specific sort of trigger to change it. Yep. Yep. Yep.\n\nYep. Yep. Yeah. So I won't have yeah. I won't be I won't have any contributions for a little while.\n\nSo, yeah, I guess that that's sort of an important factor for next year. Yes. Yeah. Yep. Yep.\n\nYep. Definitely. Is that every time you sort of update, like, you know, manage my finances and move things around? Yeah. Okay.\n\nI mean, I assume that you take that into account when you're signing whether the the move is worthwhile then. But, yeah, that's fine. I mean, yeah, as long as you're doing that, which seems pretty common sense. So that's fine. Okay.\n\nYep. Yeah. Wow. Okay. Yep.\n\nYep. Yep. Okay. Yes. Okay.\n\nYep. Sure. Okay. Mhmm. K.\n\nSo what's that fixed interest making? Just out of interest as a sort of a baseline of, I assume, that's that's more the sort of security portion. What's what's that? It's just as a sort of a a reference point. What's that making roughly?\n\nI don't know what changes. Yep. Okay. Sure. Yep.\n\nYep. Yeah. Correct. Yep. Okay.\n\nPerfect. Okay. Yep. Mhmm. Mhmm.\n\nRight. So this is a comparison based on the changes that you're making rather than the overall summary. Is that correct? Yep. Yep.\n\nOkay. Yep. So four point 45% projected increase based on that that's what you're projecting when you take into account the fees and costs and stuff? Yeah. Yeah.\n\nMhmm. Mhmm. Okay. Sure. Looks good.\n\nMhmm. Right. So is this again so current and recommended. So reckon so sorry. Is this a is this a projection table, or is this going Based on what what is invested or so what's the recommended column for there?\n\nYeah. That is oh, okay. So this is their growth looking back over the past five, twelve, three, five, ten years. Is that right? Yeah.\n\nOkay. Right. Okay. So this is still a a sort of a the basis point, like, data to to sort of prompt me towards the change rather than looking back over overall performance. Is that right?\n\nYeah. Okay. Yep. Yep. Cool.\n\nYep. No. I know. Yep. That's fine.\n\nYep. I just have to get around to doing it. Sure. So can you can you just I know this is not strictly part of this call. This is not my regular annual annual review, but can you just give me a a basic summary of what the performance has looked like over the last twelve months?\n\nLike, accounting for my because I when I look at my super and I always go, oh, you know, it's growing really well. That's great. But then I'm not sort of seeing that broken down by, like, what what did my employee employee contributions versus the growth of, you know, the investments, if that makes sense. So I'm sort of like, it's hard to see how well it's performing, like, taking into account that some of it is just those contributions, if you if that makes sense. So if you yeah.\n\nAlright. Great. Yep. Perfect. Okay.\n\nYep. Yep. Yep. Yeah. And is that aligned with just the the broader global markets?\n\nOr, like, how does that sort of fit with with the picture of what's been happening globally? Yep. Yeah. Yep. Yep.\n\nYep. That's been the okay. Yep. So that's been the big drag, and that's what you're getting rid of. Okay.\n\nYep. Yeah. Okay. So that just becomes a point of, at some point, cutting losses and getting rid of it rather than hoping it'll come back and just accepting the the fees and taxes that come along with that change. Is that sort of your decision making process point?\n\nOr Oh, right. Of course. Yeah. You wouldn't you you wouldn't have capital gains on it if you've not made any capital. Yeah.\n\nOkay. Alright. Yeah. So it's definitely worth selling. Yep.\n\nYep. Yep. Okay. Okay. Yep.\n\nYeah. Okay. Yeah. So what exactly is I'm sorry, Maggie. What exactly is like, they're they're sort of portfolios that are just collections of, you know, of different sort of types of investment.\n\nIs that, like, broadly what these are? And do they have a, like, a mandate of breach sort of one of these, like, the the Benelon one that you or whatever it's called that you're getting rid of? Do do they have does that have, like, a certain sort of mandate of, like, what type of shares those are? Like, you mentioned The UK shares. Is it, like or or are they just sort of each their own little portfolio like, their own sort of portfolio of what they think is gonna perform well with no, like, parameters?\n\nYep. So what's the Bennelong one that you're getting rid of just out of interest? What what's what's their broad mandate? Yep. Right.\n\nYeah. Okay. Okay. That's good to know. Just interested.\n\nYes. Okay. Okay. I might have a look. Yep.\n\nYes. I'll have a look. Sure. No. Let's let's have a Google.\n\nYep. Mhmm. Yep. Got it. Mhmm.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYes. Okay. So just sort of had some bad, yeah, really bad decision making and never looks of it. Or is that is that right, or is it just sort of the unpredictability? Like, would you say that that are you sort of quite critical then of of how they've managed their fund the last few years, or do these things just happen innocently?\n\nYep. Yep. And it didn't pay off. Yeah. Okay.\n\nYep. So you're dumping them, basically. Yep. Mhmm. Yep.\n\nYep. Concentrated? Is it Aufiniti concentrated or oh, Australian shit. Yeah. Okay.\n\nYeah. I see. Yep. Yep. Yep.\n\nYeah. Okay. So that's sort of what what you want. Hey. Yes.\n\nYou do. Yep. Okay. Yep. Okay.\n\nYeah. No. That's that's great. Thank you for talking me through all of that. That's very useful to understand.\n\nI'm very happy with you guys. You know? Like, I don't need I I don't wanna sort of get into the weeds of of things and have to take your advice because that's what I'm paying for. But I'm just it's interesting to know, like, when something is not performing, how like, why and how, you know, those sort of decisions are made and and what the solution is. So that's really good.\n\nYeah. Yeah. Well, it's all a gamble, isn't it? It's it's Sorry. Go on.\n\nI just was saying it's all it's a bit of gamble. You've gotta give something a chance. You can't just switch out every time something doesn't do very well. Yeah. Yep.\n\nYeah. Exactly. Yep. Yep. Yep.\n\nYep. Absolutely. No. Yeah. Okay.\n\nGreat. No. Thank you for that, Tommy. That was that was really useful. Yeah.\n\nPerfect. Yep. Yep. Let's go let's just do the quarterly sorry, the annual review for now and and just decide from there, I think. Yep.\n\nYep. Let's just do the yeah. Let's let's do a normal review And, you know, I'm sort of I'd trust you to sort of manage it and see how it's going. And, yeah, I don't need to micromanage or know every step of what you're doing as long as you you know, I'm happy with your decision making process, so that's fine. Yep.\n\nSounds good. No. No. That's all that's all good. Thank you for taking the time.\n\nYep. Wonderful. Thank you. Thanks. Tell me too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.05179917812347412},{"text":"Sarah speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.04005291499197483},{"text":"Oh, good.","start":7.3599997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3845660984516144},{"text":"Thanks.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.503150463104248},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.31161009271939594}],"sentiment":"neutral","sentiment_score":0.25989088291923207,"num_words":9,"start":1.04,"end":9.139999},{"sentences":[{"text":"Oh, that's okay.","start":13.679999,"end":14.66,"sentiment":"neutral","sentiment_score":-0.15311607718467712},{"text":"Yeah.","start":27.595001,"end":27.835,"sentiment":"neutral","sentiment_score":0.06161735579371452},{"text":"That's fine.","start":27.835,"end":28.575,"sentiment":"neutral","sentiment_score":0.10799893736839294},{"text":"Yes.","start":32.760002,"end":33.260002,"sentiment":"neutral","sentiment_score":0.041650958359241486},{"text":"That's fine.","start":33.4,"end":34.14,"sentiment":"neutral","sentiment_score":0.15602219104766846}],"sentiment":"neutral","sentiment_score":0.019106926603449717,"num_words":9,"start":13.679999,"end":34.14},{"sentences":[{"text":"Second is the 889 And 18 Arvaterra, Savendale Heights three zero two four.","start":40.920002,"end":56.815,"sentiment":"neutral","sentiment_score":0.05063496802288752},{"text":"Just a sec.","start":57.754997,"end":58.655,"sentiment":"neutral","sentiment_score":0.01846132179101308},{"text":"So I haven't been getting reminders when I'm meant to be getting a call as well, by the way.","start":59.72,"end":63.48,"sentiment":"neutral","sentiment_score":0.03501013842852492},{"text":"So I'm always I'm never sort of I'm fine to talk, but I always forget that I've got it on, and I'm never sort of prepare.","start":63.48,"end":71.4,"sentiment":"neutral","sentiment_score":-0.07200032737679206},{"text":"Yeah.","start":71.4,"end":71.9,"sentiment":"neutral","sentiment_score":0.030522901564836506}],"sentiment":"neutral","sentiment_score":-0.007462168232567849,"num_words":62,"start":40.920002,"end":71.9},{"sentences":[{"text":"Yeah.","start":78.395004,"end":78.715004,"sentiment":"neutral","sentiment_score":0.0401560477912426},{"text":"Thanks.","start":78.715004,"end":79.215004,"sentiment":"neutral","sentiment_score":0.1520155668258667},{"text":"Never seem to get them.","start":79.915,"end":81.295,"sentiment":"neutral","sentiment_score":0.004597463831305504},{"text":"Yeah.","start":82.795,"end":83.295,"sentiment":"neutral","sentiment_score":0.02583426982164383},{"text":"Yep.","start":86.35,"end":86.83,"sentiment":"neutral","sentiment_score":0.07030561566352844}],"sentiment":"neutral","sentiment_score":0.03458875769542323,"num_words":9,"start":78.395004,"end":86.83},{"sentences":[{"text":"I've got them.","start":86.83,"end":87.549995,"sentiment":"neutral","sentiment_score":0.08348655452330907},{"text":"I've got two emails from you.","start":87.549995,"end":89.09,"sentiment":"neutral","sentiment_score":0.09785739084084828},{"text":"Okay.","start":94.19,"end":94.43,"sentiment":"neutral","sentiment_score":0.02989455685019493},{"text":"Financial signature request statement of advice, Sarah Dart, and the same.","start":94.43,"end":100.775,"sentiment":"neutral","sentiment_score":0.05176933177492835},{"text":"Yep.","start":105.235,"end":105.735,"sentiment":"neutral","sentiment_score":-0.04079993814229965}],"sentiment":"neutral","sentiment_score":0.06346187622032383,"num_words":22,"start":86.83,"end":105.735},{"sentences":[{"text":"Yep.","start":120.11,"end":120.61,"sentiment":"neutral","sentiment_score":0.06594093888998032},{"text":"Yep.","start":137.955,"end":138.455,"sentiment":"neutral","sentiment_score":0.10732953995466232},{"text":"Yep.","start":140.835,"end":141.335,"sentiment":"neutral","sentiment_score":0.11460970342159273},{"text":"No.","start":146.75,"end":146.98999,"sentiment":"neutral","sentiment_score":0.13205066323280334},{"text":"It's it's fun.","start":146.98999,"end":148.04999,"sentiment":"positive","sentiment_score":0.45504475633303326}],"sentiment":"neutral","sentiment_score":0.2550093020711626,"num_words":7,"start":120.11,"end":148.04999},{"sentences":[{"text":"Yep.","start":173.07,"end":173.55,"sentiment":"neutral","sentiment_score":0.0632394552230835},{"text":"Yeah.","start":173.55,"end":173.79001,"sentiment":"neutral","sentiment_score":0.0921257585287094},{"text":"I got it.","start":173.79001,"end":174.61,"sentiment":"neutral","sentiment_score":0.13939370711644491},{"text":"No.","start":193.925,"end":194.165,"sentiment":"neutral","sentiment_score":-0.06085088849067688},{"text":"I'm still on that.","start":194.165,"end":195.045,"sentiment":"neutral","sentiment_score":-0.06908562686294317}],"sentiment":"neutral","sentiment_score":0.023635293915867807,"num_words":10,"start":173.07,"end":195.045},{"sentences":[{"text":"So I was on my work leave until November.","start":195.045,"end":200.43001,"sentiment":"neutral","sentiment_score":-0.05580922630098131},{"text":"So I can't remember when this one is due to expire, but I'm still on it for just a little bit.","start":201.69,"end":206.59001,"sentiment":"neutral","sentiment_score":-0.017696121884953408},{"text":"No.","start":220.57501,"end":220.815,"sentiment":"neutral","sentiment_score":-0.14198312163352966},{"text":"I'm back like, I'm at I'm at on placement for uni now, but I'm not paid for that.","start":220.815,"end":225.375,"sentiment":"neutral","sentiment_score":-0.09400167067845662},{"text":"So I don't so you can just important from a financial perspective, I guess, but anything I think that's changed, really.","start":225.375,"end":234.81,"sentiment":"neutral","sentiment_score":-0.04643739422871953}],"sentiment":"neutral","sentiment_score":-0.05261571527059589,"num_words":70,"start":195.045,"end":234.81},{"sentences":[{"text":"Yep.","start":241.19,"end":241.69,"sentiment":"positive","sentiment_score":0.6218828558921814},{"text":"Thank you.","start":241.90999,"end":242.73,"sentiment":"positive","sentiment_score":0.7734752893447876},{"text":"Yep.","start":253.235,"end":253.735,"sentiment":"neutral","sentiment_score":0.10239002108573914},{"text":"Yep.","start":269.35,"end":269.67,"sentiment":"neutral","sentiment_score":0.05808202177286148},{"text":"Yep.","start":269.67,"end":270.17,"sentiment":"neutral","sentiment_score":0.14514054358005524}],"sentiment":"positive","sentiment_score":0.41240767017006874,"num_words":6,"start":241.19,"end":270.17},{"sentences":[{"text":"Yes.","start":289.3,"end":289.8,"sentiment":"neutral","sentiment_score":0.035049907863140106},{"text":"Yeah.","start":290.41998,"end":290.74,"sentiment":"neutral","sentiment_score":0.028285689651966095},{"text":"Yeah.","start":290.74,"end":290.97998,"sentiment":"neutral","sentiment_score":0.04044917970895767},{"text":"Yep.","start":290.97998,"end":291.38,"sentiment":"neutral","sentiment_score":0.054739974439144135},{"text":"Yep.","start":291.38,"end":291.78,"sentiment":"neutral","sentiment_score":0.09712117910385132}],"sentiment":"neutral","sentiment_score":0.05112918615341187,"num_words":5,"start":289.3,"end":291.78},{"sentences":[{"text":"It does.","start":291.78,"end":292.38,"sentiment":"neutral","sentiment_score":0.1729254350066185},{"text":"I don't think I've done it, but yeah.","start":292.38,"end":294.53,"sentiment":"neutral","sentiment_score":-0.04187082150019705},{"text":"Yep.","start":304.375,"end":304.875,"sentiment":"neutral","sentiment_score":-0.05796903371810913},{"text":"Yeah.","start":306.055,"end":306.375,"sentiment":"neutral","sentiment_score":-0.01447096187621355},{"text":"Okay.","start":306.375,"end":306.69498,"sentiment":"neutral","sentiment_score":-0.0006179716438055038}],"sentiment":"neutral","sentiment_score":-0.004782589940497508,"num_words":13,"start":291.78,"end":306.69498},{"sentences":[{"text":"No.","start":306.69498,"end":307.01498,"sentiment":"neutral","sentiment_score":0.0060144029557704926},{"text":"Great.","start":307.01498,"end":307.25497,"sentiment":"neutral","sentiment_score":0.23927298188209536},{"text":"Thanks.","start":307.25497,"end":307.655,"sentiment":"neutral","sentiment_score":0.2052364945411682},{"text":"And that was a hard copy that you're sending me, and it will have yep.","start":307.655,"end":316.3,"sentiment":"neutral","sentiment_score":0.0732548472781976},{"text":"And yep.","start":316.3,"end":317.42,"sentiment":"neutral","sentiment_score":0.018942365422844887}],"sentiment":"neutral","sentiment_score":0.07936156596988439,"num_words":20,"start":306.69498,"end":317.42},{"sentences":[{"text":"Okay.","start":317.42,"end":317.82,"sentiment":"neutral","sentiment_score":0.04641776531934738},{"text":"Yep.","start":317.82,"end":318.22,"sentiment":"neutral","sentiment_score":0.039838820695877075},{"text":"And it will have a return envelope.","start":318.22,"end":320.72,"sentiment":"neutral","sentiment_score":0.026458190887102058},{"text":"Or do I need to do I need to send you the hard copy back?","start":321.74,"end":327.195,"sentiment":"neutral","sentiment_score":0.006477807338039081},{"text":"Then if you need a wet sign, there'll always be a 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that's fine.","start":425.34003,"end":426.14,"sentiment":"neutral","sentiment_score":0.28882917761802673},{"text":"And I think I've mentioned before as well, there's sort of a fairly significant, like, yeah, you can, Maggie, like, family estate that I'll be sort of accessing.","start":426.14,"end":438.065,"sentiment":"neutral","sentiment_score":0.08711647308830704},{"text":"But then anyway, so I'm not yeah.","start":438.065,"end":440.405,"sentiment":"neutral","sentiment_score":-0.03372629040053913},{"text":"I'm more just sort of yeah.","start":440.46503,"end":442.545,"sentiment":"neutral","sentiment_score":-0.00800692910949389}],"sentiment":"neutral","sentiment_score":0.07245128105084102,"num_words":45,"start":424.78,"end":442.545},{"sentences":[{"text":"I I guess I'm not concerned about a specific retirement fund goal.","start":442.545,"end":447.445,"sentiment":"neutral","sentiment_score":-0.01672191172838211},{"text":"It's more just sort of managing my wealth in a responsible way.","start":447.58502,"end":451.125,"sentiment":"neutral","sentiment_score":0.1716639685134093},{"text":"Oh, yes.","start":457.71,"end":458.27,"sentiment":"neutral","sentiment_score":-0.11364525929093361},{"text":"That's right.","start":458.27,"end":458.83,"sentiment":"neutral","sentiment_score":-0.09934220463037491},{"text":"Yeah.","start":458.83,"end":459.33,"sentiment":"neutral","sentiment_score":-0.07470160722732544}],"sentiment":"neutral","sentiment_score":0.046849246425875304,"num_words":29,"start":442.545,"end":459.33},{"sentences":[{"text":"One moment.","start":460.59,"end":461.33,"sentiment":"neutral","sentiment_score":-0.06673373095691204},{"text":"Yep.","start":462.35,"end":462.85,"sentiment":"neutral","sentiment_score":0.098231241106987},{"text":"Yeah.","start":464.76498,"end":465.26498,"sentiment":"neutral","sentiment_score":0.1209547519683838},{"text":"Yep.","start":465.32498,"end":465.82498,"sentiment":"neutral","sentiment_score":0.06313382089138031},{"text":"Yep.","start":466.685,"end":467.185,"sentiment":"neutral","sentiment_score":0.15683889389038086}],"sentiment":"neutral","sentiment_score":0.050948540990551315,"num_words":6,"start":460.59,"end":467.185},{"sentences":[{"text":"Exactly.","start":467.56497,"end":468.06497,"sentiment":"positive","sentiment_score":0.43001383543014526},{"text":"Yep.","start":469.805,"end":470.305,"sentiment":"neutral","sentiment_score":0.18889862298965457},{"text":"No.","start":479.01,"end":479.51,"sentiment":"neutral","sentiment_score":-0.14577147364616394},{"text":"Yeah.","start":484.93002,"end":485.33002,"sentiment":"neutral","sentiment_score":0.0513654500246048},{"text":"I mean, like, I I would say my car at this point is probably more 20 than 25.","start":485.33002,"end":489.59,"sentiment":"neutral","sentiment_score":0.014365442097187042}],"sentiment":"neutral","sentiment_score":0.03559474511580034,"num_words":22,"start":467.56497,"end":489.59},{"sentences":[{"text":"The house, like, I mean, no significant changes.","start":492.13,"end":495.855,"sentiment":"neutral","sentiment_score":-0.09345365781337023},{"text":"Nothing really.","start":495.915,"end":496.475,"sentiment":"neutral","sentiment_score":-0.12141554802656174},{"text":"But, like, I I would say it's probably worth more than that now, but I also, like, just don't know.","start":496.475,"end":503.45502,"sentiment":"neutral","sentiment_score":-0.09409963954240083},{"text":"I just haven't done any re 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not?","start":515.7,"end":518.51996,"sentiment":"neutral","sentiment_score":-0.05755217093974352},{"text":"Yeah.","start":518.57996,"end":518.98,"sentiment":"neutral","sentiment_score":-0.04395922273397446},{"text":"Sorry.","start":518.98,"end":519.48,"sentiment":"neutral","sentiment_score":-0.0954616591334343}],"sentiment":"neutral","sentiment_score":-0.11093910702982464,"num_words":37,"start":508.81998,"end":519.48},{"sentences":[{"text":"But I haven't had it valued, so it's sort of up to you.","start":520.535,"end":523.65497,"sentiment":"neutral","sentiment_score":-0.1294464274094655},{"text":"I don't know how important that is to update, or it's better to just leave it as is without a specific sort of trigger to change 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yeah.","start":575.675,"end":577.115,"sentiment":"neutral","sentiment_score":-0.08170194998383522},{"text":"I won't be I won't have any contributions for a little while.","start":577.115,"end":581.935,"sentiment":"neutral","sentiment_score":-0.11620320814351241}],"sentiment":"neutral","sentiment_score":-0.0866682268679142,"num_words":20,"start":556.345,"end":581.935},{"sentences":[{"text":"So, yeah, I guess that that's sort of an important factor for next 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right?","start":978.695,"end":979.59503,"sentiment":"neutral","sentiment_score":0.03987940400838852},{"text":"Yeah.","start":979.655,"end":979.97504,"sentiment":"neutral","sentiment_score":0.03817008435726166}],"sentiment":"neutral","sentiment_score":0.03186196871101856,"num_words":25,"start":966.86005,"end":979.97504},{"sentences":[{"text":"Okay.","start":979.97504,"end":980.455,"sentiment":"neutral","sentiment_score":0.05533766746520996},{"text":"Right.","start":980.455,"end":980.85504,"sentiment":"neutral","sentiment_score":0.0599786713719368},{"text":"Okay.","start":980.85504,"end":981.35504,"sentiment":"neutral","sentiment_score":0.05077099800109863},{"text":"So this is still a a sort of a the basis point, like, data to to sort of prompt me towards the change rather than looking back over overall performance.","start":981.895,"end":990.47504,"sentiment":"neutral","sentiment_score":0.04655189656962951},{"text":"Is that 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okay.","start":1152.84,"end":1155.5599,"sentiment":"neutral","sentiment_score":-0.1940215267241001},{"text":"Yep.","start":1155.5599,"end":1156.0599,"sentiment":"neutral","sentiment_score":-0.1311037838459015},{"text":"So that's been the big drag, and that's what you're getting rid of.","start":1156.84,"end":1160.14,"sentiment":"negative","sentiment_score":-0.3355918091077071},{"text":"Okay.","start":1162.52,"end":1163.02,"sentiment":"neutral","sentiment_score":-0.0584757998585701}],"sentiment":"neutral","sentiment_score":-0.27028380073606967,"num_words":20,"start":1149.505,"end":1163.02},{"sentences":[{"text":"Yep.","start":1167.395,"end":1167.895,"sentiment":"neutral","sentiment_score":-0.0687880888581276},{"text":"Yeah.","start":1170.835,"end":1171.155,"sentiment":"neutral","sentiment_score":-0.02246030420064926},{"text":"Okay.","start":1171.155,"end":1171.475,"sentiment":"neutral","sentiment_score":-0.08416346460580826},{"text":"So that just becomes a point of, at some point, cutting losses and getting rid of it rather than hoping it'll come back and just accepting the the fees and taxes that come along with that change.","start":1171.475,"end":1181.9901,"sentiment":"neutral","sentiment_score":0.11851685262612395},{"text":"Is that sort of your decision making process point?","start":1182.2101,"end":1186.4701,"sentiment":"neutral","sentiment_score":0.131777071290546}],"sentiment":"neutral","sentiment_score":0.11011643532891663,"num_words":49,"start":1167.395,"end":1186.4701},{"sentences":[{"text":"Or Oh, right.","start":1186.8501,"end":1199.405,"sentiment":"neutral","sentiment_score":0.06704731285572052},{"text":"Of course.","start":1199.405,"end":1199.8049,"sentiment":"neutral","sentiment_score":0.039496900513768196},{"text":"Yeah.","start":1199.8049,"end":1200.0449,"sentiment":"neutral","sentiment_score":0.0830686017870903},{"text":"You wouldn't you you wouldn't have capital gains on it if you've not made any capital.","start":1200.0449,"end":1204.065,"sentiment":"neutral","sentiment_score":0.0028851882088929415},{"text":"Yeah.","start":1204.9249,"end":1205.165,"sentiment":"neutral","sentiment_score":0.08034805208444595}],"sentiment":"neutral","sentiment_score":0.02129197412210962,"num_words":23,"start":1186.8501,"end":1205.165},{"sentences":[{"text":"Okay.","start":1205.165,"end":1205.665,"sentiment":"neutral","sentiment_score":0.1071377545595169},{"text":"Alright.","start":1205.725,"end":1206.225,"sentiment":"neutral","sentiment_score":0.15380685031414032},{"text":"Yeah.","start":1206.285,"end":1206.525,"sentiment":"neutral","sentiment_score":0.10417577624320984},{"text":"So it's definitely worth selling.","start":1206.525,"end":1209.43,"sentiment":"positive","sentiment_score":0.5073530614376068},{"text":"Yep.","start":1217.81,"end":1218.31,"sentiment":"neutral","sentiment_score":0.03038567304611206}],"sentiment":"neutral","sentiment_score":0.32580792903900146,"num_words":9,"start":1205.165,"end":1218.31},{"sentences":[{"text":"Yep.","start":1230.6151,"end":1231.1151,"sentiment":"neutral","sentiment_score":-0.06373509764671326},{"text":"Yep.","start":1238.43,"end":1238.93,"sentiment":"neutral","sentiment_score":-0.10269932448863985},{"text":"Okay.","start":1257.395,"end":1257.895,"sentiment":"neutral","sentiment_score":-0.13045534491539},{"text":"Okay.","start":1257.9551,"end":1258.435,"sentiment":"neutral","sentiment_score":-0.1141955703496933},{"text":"Yep.","start":1258.435,"end":1258.935,"sentiment":"neutral","sentiment_score":-0.10761253535747528}],"sentiment":"neutral","sentiment_score":-0.10373957455158234,"num_words":5,"start":1230.6151,"end":1258.935},{"sentences":[{"text":"Yeah.","start":1271.6399,"end":1271.8799,"sentiment":"neutral","sentiment_score":-0.05297831818461418},{"text":"Okay.","start":1271.8799,"end":1272.36,"sentiment":"neutral","sentiment_score":-0.028874995186924934},{"text":"Yeah.","start":1272.36,"end":1272.84,"sentiment":"neutral","sentiment_score":-0.020899595692753792},{"text":"So what exactly is I'm sorry, Maggie.","start":1272.84,"end":1275.08,"sentiment":"neutral","sentiment_score":-0.03932353375213487},{"text":"What exactly is like, they're they're sort of portfolios that are just collections of, you know, of different sort of types of investment.","start":1275.08,"end":1282.925,"sentiment":"neutral","sentiment_score":-0.018761620006483536}],"sentiment":"neutral","sentiment_score":-0.024531360772071464,"num_words":33,"start":1271.6399,"end":1282.925},{"sentences":[{"text":"Is that, like, broadly what these are?","start":1283.0651,"end":1285.0851,"sentiment":"neutral","sentiment_score":-0.001072890790445464},{"text":"And do they have a, like, a mandate of breach sort of one of these, like, the the Benelon one that you or whatever it's called that you're getting rid of?","start":1312.2151,"end":1320.295,"sentiment":"neutral","sentiment_score":-0.0390368472304075},{"text":"Do do they have does that have, like, a certain sort of mandate of, like, what type of shares those are?","start":1320.295,"end":1326.0,"sentiment":"neutral","sentiment_score":-0.03105615052793707},{"text":"Like, you mentioned The UK shares.","start":1326.0,"end":1327.6001,"sentiment":"neutral","sentiment_score":-0.003030042008807262},{"text":"Is it, like or or are they just sort of each their own little portfolio like, their own sort of portfolio of what they think is gonna perform well with no, like, parameters?","start":1327.6001,"end":1339.14,"sentiment":"neutral","sentiment_score":-0.011305963140771244}],"sentiment":"neutral","sentiment_score":-0.023072537718986978,"num_words":98,"start":1283.0651,"end":1339.14},{"sentences":[{"text":"Yep.","start":1344.0651,"end":1344.5651,"sentiment":"neutral","sentiment_score":0.007627571932971477},{"text":"So what's the Bennelong one that you're getting rid of just out of interest?","start":1361.78,"end":1365.0599,"sentiment":"neutral","sentiment_score":-0.08312730065413884},{"text":"What what's what's their broad mandate?","start":1365.0599,"end":1368.2,"sentiment":"neutral","sentiment_score":-0.03150954066465298},{"text":"Yep.","start":1382.465,"end":1382.945,"sentiment":"neutral","sentiment_score":0.07089228928089142},{"text":"Right.","start":1382.945,"end":1383.445,"sentiment":"neutral","sentiment_score":0.11509782075881958}],"sentiment":"neutral","sentiment_score":-0.05040094657274692,"num_words":23,"start":1344.0651,"end":1383.445},{"sentences":[{"text":"Yeah.","start":1383.88,"end":1384.12,"sentiment":"neutral","sentiment_score":0.11992927640676498},{"text":"Okay.","start":1384.12,"end":1384.62,"sentiment":"neutral","sentiment_score":0.16939955949783325},{"text":"Okay.","start":1384.84,"end":1385.32,"sentiment":"neutral","sentiment_score":0.25302237272262573},{"text":"That's good to know.","start":1385.32,"end":1386.36,"sentiment":"positive","sentiment_score":0.5335774049162865},{"text":"Just interested.","start":1386.36,"end":1387.1799,"sentiment":"positive","sentiment_score":0.43141861259937286}],"sentiment":"positive","sentiment_score":0.39327756149901283,"num_words":9,"start":1383.88,"end":1387.1799},{"sentences":[{"text":"Yes.","start":1392.76,"end":1393.26,"sentiment":"neutral","sentiment_score":0.14607903361320496},{"text":"Okay.","start":1398.585,"end":1399.085,"sentiment":"neutral","sentiment_score":0.08541056513786316},{"text":"Okay.","start":1400.185,"end":1400.685,"sentiment":"neutral","sentiment_score":0.06323165446519852},{"text":"I might have a look.","start":1401.625,"end":1402.525,"sentiment":"neutral","sentiment_score":0.1029768243432045},{"text":"Yep.","start":1403.385,"end":1403.885,"sentiment":"neutral","sentiment_score":0.017414288595318794}],"sentiment":"neutral","sentiment_score":0.09189107372528976,"num_words":9,"start":1392.76,"end":1403.885},{"sentences":[{"text":"Yes.","start":1411.84,"end":1412.34,"sentiment":"neutral","sentiment_score":0.15178200602531433},{"text":"I'll have a look.","start":1413.6,"end":1414.58,"sentiment":"neutral","sentiment_score":0.11138232611119747},{"text":"Sure.","start":1419.44,"end":1419.94,"sentiment":"neutral","sentiment_score":0.06552240252494812},{"text":"No.","start":1420.48,"end":1420.72,"sentiment":"neutral","sentiment_score":-0.11073152720928192},{"text":"Let's let's have a Google.","start":1420.72,"end":1422.1799,"sentiment":"neutral","sentiment_score":-0.003675784170627594}],"sentiment":"neutral","sentiment_score":0.04447693874438604,"num_words":12,"start":1411.84,"end":1422.1799},{"sentences":[{"text":"Yep.","start":1428.645,"end":1429.145,"sentiment":"neutral","sentiment_score":0.23587587475776672},{"text":"Mhmm.","start":1434.005,"end":1434.505,"sentiment":"neutral","sentiment_score":0.026619819924235344},{"text":"Yep.","start":1448.26,"end":1448.58,"sentiment":"neutral","sentiment_score":0.13099776208400726},{"text":"Got 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off.","start":1547.0549,"end":1548.355,"sentiment":"neutral","sentiment_score":-0.2810201108455658},{"text":"Yeah.","start":1548.815,"end":1549.315,"sentiment":"neutral","sentiment_score":-0.13373827934265137},{"text":"Okay.","start":1549.5349,"end":1550.0349,"sentiment":"neutral","sentiment_score":-0.17115813493728638}],"sentiment":"neutral","sentiment_score":-0.20555250408748785,"num_words":9,"start":1535.0,"end":1550.0349},{"sentences":[{"text":"Yep.","start":1550.815,"end":1551.135,"sentiment":"negative","sentiment_score":-0.3467668890953064},{"text":"So you're dumping them, basically.","start":1551.135,"end":1552.515,"sentiment":"negative","sentiment_score":-0.4237373828887939},{"text":"Yep.","start":1557.375,"end":1557.875,"sentiment":"neutral","sentiment_score":0.03545180708169937},{"text":"Mhmm.","start":1569.96,"end":1570.46,"sentiment":"neutral","sentiment_score":0.04086051881313324},{"text":"Yep.","start":1570.6799,"end":1571.1799,"sentiment":"neutral","sentiment_score":0.0847233384847641}],"sentiment":"neutral","sentiment_score":-0.25604645990663105,"num_words":9,"start":1550.815,"end":1571.1799},{"sentences":[{"text":"Yep.","start":1582.3151,"end":1582.8151,"sentiment":"neutral","sentiment_score":0.03839656710624695},{"text":"Concentrated?","start":1584.875,"end":1585.375,"sentiment":"neutral","sentiment_score":0.026319921016693115},{"text":"Is it Aufiniti concentrated or oh, Australian shit.","start":1585.74,"end":1591.58,"sentiment":"neutral","sentiment_score":-0.08037901308853179},{"text":"Yeah.","start":1591.58,"end":1591.74,"sentiment":"neutral","sentiment_score":-0.010172920301556587},{"text":"Okay.","start":1591.74,"end":1592.0599,"sentiment":"neutral","sentiment_score":0.017021816223859787}],"sentiment":"neutral","sentiment_score":-0.04762222672191759,"num_words":12,"start":1582.3151,"end":1592.0599},{"sentences":[{"text":"Yeah.","start":1592.0599,"end":1592.22,"sentiment":"neutral","sentiment_score":0.03878484666347504},{"text":"I 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want.","start":1608.555,"end":1610.155,"sentiment":"neutral","sentiment_score":0.10615883208811283},{"text":"Hey.","start":1610.155,"end":1610.655,"sentiment":"neutral","sentiment_score":0.1713772416114807},{"text":"Yes.","start":1630.6649,"end":1631.065,"sentiment":"neutral","sentiment_score":0.2369036078453064}],"sentiment":"neutral","sentiment_score":0.11932184050480525,"num_words":12,"start":1607.8351,"end":1631.065},{"sentences":[{"text":"You do.","start":1631.065,"end":1631.725,"sentiment":"neutral","sentiment_score":0.2528037801384926},{"text":"Yep.","start":1631.945,"end":1632.445,"sentiment":"neutral","sentiment_score":0.2293640673160553},{"text":"Okay.","start":1648.44,"end":1648.76,"sentiment":"neutral","sentiment_score":0.10635454952716827},{"text":"Yep.","start":1648.76,"end":1649.26,"sentiment":"neutral","sentiment_score":0.09542538225650787},{"text":"Okay.","start":1650.0399,"end":1650.5399,"sentiment":"neutral","sentiment_score":0.06818311661481857}],"sentiment":"neutral","sentiment_score":0.16748911266525587,"num_words":6,"start":1631.065,"end":1650.5399},{"sentences":[{"text":"Yeah.","start":1664.565,"end":1665.0449,"sentiment":"neutral","sentiment_score":0.198368102312088},{"text":"No.","start":1665.0449,"end":1665.2849,"sentiment":"neutral","sentiment_score":0.21637724339962008},{"text":"That's that's great.","start":1665.2849,"end":1666.005,"sentiment":"positive","sentiment_score":0.5460913081963857},{"text":"Thank you for talking me through all of that.","start":1666.005,"end":1667.6849,"sentiment":"positive","sentiment_score":0.7021031909518771},{"text":"That's very useful to understand.","start":1667.6849,"end":1671.24,"sentiment":"positive","sentiment_score":0.6170211911201477}],"sentiment":"positive","sentiment_score":0.6030028391825525,"num_words":19,"start":1664.565,"end":1671.24},{"sentences":[{"text":"I'm very happy with you guys.","start":1671.24,"end":1672.86,"sentiment":"positive","sentiment_score":0.6107421418031057},{"text":"You know?","start":1672.9199,"end":1673.58,"sentiment":"neutral","sentiment_score":0.2845301628112793},{"text":"Like, I don't need I I don't wanna sort of get into the weeds of of things and have to take your advice because that's what I'm paying for.","start":1673.64,"end":1679.88,"sentiment":"neutral","sentiment_score":0.16551219106748186},{"text":"But I'm just it's interesting to know, like, when something is not performing, how like, why and how, you know, those sort of decisions are made and and what the solution is.","start":1679.88,"end":1691.205,"sentiment":"neutral","sentiment_score":0.0037032925756648183},{"text":"So that's really good.","start":1692.065,"end":1693.2849,"sentiment":"neutral","sentiment_score":0.1090194946154952}],"sentiment":"neutral","sentiment_score":0.13134178162029345,"num_words":73,"start":1671.24,"end":1693.2849},{"sentences":[{"text":"Yeah.","start":1707.0499,"end":1707.5499,"sentiment":"neutral","sentiment_score":-0.012424051761627196},{"text":"Yeah.","start":1714.365,"end":1714.865,"sentiment":"neutral","sentiment_score":0.03957899659872055},{"text":"Well, it's all a gamble, isn't it?","start":1715.5651,"end":1717.165,"sentiment":"neutral","sentiment_score":-0.06506065598555974},{"text":"It's it's Sorry.","start":1717.165,"end":1723.74,"sentiment":"neutral","sentiment_score":-0.07840739687283833},{"text":"Go on.","start":1723.74,"end":1724.48,"sentiment":"neutral","sentiment_score":-0.0842350609600544}],"sentiment":"neutral","sentiment_score":-0.0594258542571749,"num_words":14,"start":1707.0499,"end":1724.48},{"sentences":[{"text":"I just was saying it's all it's a bit of gamble.","start":1725.5,"end":1727.5,"sentiment":"neutral","sentiment_score":-0.09089181369001215},{"text":"You've gotta give something a chance.","start":1727.5,"end":1729.04,"sentiment":"neutral","sentiment_score":-0.07682152837514877},{"text":"You can't just switch out every time something doesn't do very 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you for that, Tommy.","start":1779.285,"end":1780.3251,"sentiment":"positive","sentiment_score":0.5155276298522949},{"text":"That was that was really useful.","start":1780.3251,"end":1781.7051,"sentiment":"positive","sentiment_score":0.5595712065696716},{"text":"Yeah.","start":1789.55,"end":1789.87,"sentiment":"neutral","sentiment_score":0.29477739334106445}],"sentiment":"positive","sentiment_score":0.49378667558942524,"num_words":14,"start":1778.7251,"end":1789.87},{"sentences":[{"text":"Perfect.","start":1789.87,"end":1790.37,"sentiment":"positive","sentiment_score":0.4397103190422058},{"text":"Yep.","start":1793.7101,"end":1794.045,"sentiment":"neutral","sentiment_score":0.24170920252799988},{"text":"Yep.","start":1801.7251,"end":1802.2251,"sentiment":"neutral","sentiment_score":0.07510492205619812},{"text":"Let's go let's just do the quarterly sorry, the annual review for now and and just decide from there, I think.","start":1813.21,"end":1822.11,"sentiment":"neutral","sentiment_score":0.05310091739963917},{"text":"Yep.","start":1831.425,"end":1831.925,"sentiment":"neutral","sentiment_score":0.05900894105434418}],"sentiment":"neutral","sentiment_score":0.07722610600292683,"num_words":25,"start":1789.87,"end":1831.925},{"sentences":[{"text":"Yep.","start":1838.37,"end":1838.87,"sentiment":"neutral","sentiment_score":0.0747644230723381},{"text":"Let's just do the yeah.","start":1847.3301,"end":1849.1901,"sentiment":"neutral","sentiment_score":0.08091606497764588},{"text":"Let's let's do a normal review And, you know, I'm sort of I'd trust you to sort of manage it and see how it's going.","start":1849.81,"end":1856.425,"sentiment":"neutral","sentiment_score":0.13458187013864517},{"text":"And, yeah, I don't need to micromanage or know every step of what you're doing as long as you you know, I'm happy with your decision making process, so that's fine.","start":1856.425,"end":1864.765,"sentiment":"neutral","sentiment_score":0.32201862599580516},{"text":"Yep.","start":1881.165,"end":1881.405,"sentiment":"positive","sentiment_score":0.3579925000667572}],"sentiment":"neutral","sentiment_score":0.22515018106926055,"num_words":63,"start":1838.37,"end":1881.405},{"sentences":[{"text":"Sounds good.","start":1881.405,"end":1882.2251,"sentiment":"positive","sentiment_score":0.7246708869934082},{"text":"No.","start":1888.925,"end":1889.3251,"sentiment":"neutral","sentiment_score":-0.09570343792438508},{"text":"No.","start":1889.3251,"end":1889.5651,"sentiment":"neutral","sentiment_score":-0.1240040734410286},{"text":"That's all that's all good.","start":1889.5651,"end":1890.765,"sentiment":"neutral","sentiment_score":0.3144943505525589},{"text":"Thank you for taking the time.","start":1890.765,"end":1892.145,"sentiment":"positive","sentiment_score":0.6991632084051768}],"sentiment":"positive","sentiment_score":0.46647235105435053,"num_words":15,"start":1881.405,"end":1892.145},{"sentences":[{"text":"Yep.","start":1896.43,"end":1896.93,"sentiment":"neutral","sentiment_score":0.23740288615226743},{"text":"Wonderful.","start":1900.27,"end":1900.77,"sentiment":"positive","sentiment_score":0.7551659941673279},{"text":"Thank you.","start":1900.99,"end":1901.65,"sentiment":"positive","sentiment_score":0.744554877281189},{"text":"Thanks.","start":1906.1901,"end":1906.67,"sentiment":"positive","sentiment_score":0.6516028642654419},{"text":"Tell me too.","start":1906.67,"end":1907.31,"sentiment":"positive","sentiment_score":0.4198707342147827}],"sentiment":"positive","sentiment_score":0.5491117127239704,"num_words":8,"start":1896.43,"end":1907.31},{"sentences":[{"text":"Bye.","start":1907.31,"end":1907.81,"sentiment":"neutral","sentiment_score":0.19392554461956024}],"sentiment":"neutral","sentiment_score":0.19392554461956024,"num_words":1,"start":1907.31,"end":1907.81}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sarah speaking.\n\nChannel 0: Good morning, Sarah. It's Tommy here, senior adviser from. How are you? How have you been?\n\nChannel 1: Oh, good. Thanks. How are you?\n\nChannel 0: Doing fantastic. Sorry. I'm a bit cocky today. Everyone's gone down with a bit of a flu,\n\nChannel 1: Oh,\n\nChannel 0: so\n\nChannel 1: that's\n\nChannel 0: please\n\nChannel 1: okay.\n\nChannel 0: excuse me. Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: No worries. Are you okay for the call to be recorded for training and quality\n\nChannel 1: Yes.\n\nChannel 0: purposes?\n\nChannel 1: That's fine.\n\nChannel 0: Awesome. And we don't have a security question on the file. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Second is the 889 And 18 Arvaterra, Savendale Heights\n\nChannel 0: Perfect. Thank you so much, Sarah. Now I've popped that through. It should be either in your main inbox or in your\n\nChannel 1: three\n\nChannel 0: spam box to your Gmail\n\nChannel 1: zero\n\nChannel 0: account. If you could just check that\n\nChannel 1: two\n\nChannel 0: for me, please.\n\nChannel 1: four. Just a sec. So I haven't been\n\nChannel 0: No\n\nChannel 1: getting\n\nChannel 0: worries.\n\nChannel 1: reminders when I'm meant to be getting a call as well, by the way. So I'm always I'm never sort of I'm fine to talk, but I always forget that I've got it on, and I'm never\n\nChannel 0: It's\n\nChannel 1: sort of\n\nChannel 0: a bit of a surprise.\n\nChannel 1: prepare. Yeah.\n\nChannel 0: That's no worries. I'll I'll check your system in our CRM and make sure we've got the the text\n\nChannel 1: Yeah.\n\nChannel 0: reminders.\n\nChannel 1: Thanks.\n\nChannel 0: So that way, it should text\n\nChannel 1: Never\n\nChannel 0: you through\n\nChannel 1: seem to get them.\n\nChannel 0: back two hours before\n\nChannel 1: Yeah.\n\nChannel 0: I will have a look see.\n\nChannel 1: Yep. I've got them. I've got two emails from you.\n\nChannel 0: Perfect. Just can you let me know the subject names of that email, please?\n\nChannel 1: Okay. Financial signature request statement of advice, Sarah Dart, and the same.\n\nChannel 0: Perfect. Okay. So either one should be okay.\n\nChannel 1: Yep.\n\nChannel 0: Seems to have done a bit of a double up. Now with the statement of advice, so I've actually attached it as an attachment to the email. So because it is like a like a doc DocuSign type system, there's a link there to actually go through and sign the\n\nChannel 1: Yep.\n\nChannel 0: document. But I just want you to open up the statement of advice with that lovely forest background if you can. And what you should see on that one, there's two there that say statement of advice. One is it's got like a beachfront setting, and it should\n\nChannel 1: Yep.\n\nChannel 0: say perfect.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Now are you are you able to see everything? Is it nice and clear? It hasn't gone on blurry or small for you?\n\nChannel 1: No. It's it's fun.\n\nChannel 0: Perfect. Alrighty. Now just before I jump in, can you please go to page let's go to your details on page eight. There's an about you section on page eight. Now it should be kind of like nine on the software, eight on the footer of the document.\n\nChannel 1: Yep. Yeah. I got it.\n\nChannel 0: Perfect. Now everything that I've kind of based the advice on, we were doing a bit of a portfolio update. But at the time, you were still kind of working through maternity leave on half pay through work. I'm assuming the Centrelink maternity leave, that's kind of on its course now, or is that still there?\n\nChannel 1: No. I'm still on that. So I was on my work leave until November.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: right.\n\nChannel 1: I can't remember when this one is due to expire, but I'm still on it for just a little bit.\n\nChannel 0: Perfect. So outside of that, nothing really significant has changed. It's still just kind of going through, looking after the kids on maternity leave. Nothing else has changed since New Year.\n\nChannel 1: No. I'm back like, I'm at I'm at on placement for uni now, but I'm not paid for that. So\n\nChannel 0: Oh, nice.\n\nChannel 1: I don't so you can just important from a financial perspective, I guess, but anything I think that's changed, really.\n\nChannel 0: Awesome. So it won't really impact the advice, but I will note down on your file that you started the placement. So congratulations on\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: Thank you.\n\nChannel 0: Awesome. Now if you could pop back up for me to the scoping section on page three. I just wanted to make sure those details were still correct. So just go through the\n\nChannel 1: Yep.\n\nChannel 0: scope of advice with you. So the main thing that we were doing is on your Netwealth account, when we had that review, everything was looking pretty good performance wise. The platform was good, has all the bells and whistles and features. No real significant changes to net\n\nChannel 1: Yep.\n\nChannel 0: wealth. They\n\nChannel 1: Yep.\n\nChannel 0: haven't up their fees or anything. It's nothing crazy. We were just optimizing your investments as the main scope. The other main area that's actually pretty important for you is the estate planning. If you recall, we were going through and updating your beneficiary nominations and also recommending to put a will in place.\n\nDoes that kinda\n\nChannel 1: Yes.\n\nChannel 0: ring a bell?\n\nChannel 1: Yeah. Yeah. Yep. Yep. It does.\n\nChannel 0: Awesome.\n\nChannel 1: I don't think I've\n\nChannel 0: Now\n\nChannel 1: done it,\n\nChannel 0: I\n\nChannel 1: but\n\nChannel 0: don't,\n\nChannel 1: yeah.\n\nChannel 0: no, I don't think we've gotten those documents back. So I have sent a request through to the team to kind of refresh them because those beneficiaries, they update them every year. If you send through an on form,\n\nChannel 1: Yep.\n\nChannel 0: they may actually reject it. That's\n\nChannel 1: Yeah.\n\nChannel 0: all.\n\nChannel 1: Okay. No. Great. Thanks. And that was a hard copy that you're sending me, and it\n\nChannel 0: Yes.\n\nChannel 1: will\n\nChannel 0: It's gonna be website,\n\nChannel 1: have\n\nChannel 0: so we'll send\n\nChannel 1: yep.\n\nChannel 0: a web\n\nChannel 1: And\n\nChannel 0: a hard copy.\n\nChannel 1: yep. Okay. Yep. And it will have a return envelope. Or do I need to do I need to send you the hard copy back?\n\nThen if you need\n\nChannel 0: There'll\n\nChannel 1: a wet\n\nChannel 0: always\n\nChannel 1: sign,\n\nChannel 0: be a\n\nChannel 1: there'll\n\nChannel 0: return\n\nChannel 1: always be\n\nChannel 0: envelope\n\nChannel 1: a return.\n\nChannel 0: on there.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: We'll\n\nChannel 1: Okay.\n\nChannel 0: have\n\nChannel 1: Cool.\n\nChannel 0: a nice\n\nChannel 1: Yep.\n\nChannel 0: little cover letter there just making sure that you get a witness properly and all that kind of thing.\n\nChannel 1: Yeah. Okay. No problem. I can do that.\n\nChannel 0: Perfect. So that two thirds of this document actually talks about the estate planning, but the sum of it basically is we wanted to make sure those provisions for both children.\n\nChannel 1: Yep.\n\nChannel 0: So we want to put the superannuation aimed at your estate through a legal personal representative nomination. That way, when you put a will in place, you can kind of distribute it out to the children, and it's a bit more flexibility. Like, you can set up even a trust fund that triggers all that kind of thing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. For the investments sorry. For what we're not considering, on the next page, I've just put there the scope of advice not considered. Can you see that page on page four?\n\nChannel 1: Sorry. I'm just bringing it back up. Yep. Got it.\n\nChannel 0: Yep. So the things that we're sort of not doing in this advice piece is everything to do with the future goals for the super. So one of the things that we're talking about is that once you've kind of gone back to, like, finish the studying, finish maternity leave, We may look at taking on a bit more risk in the super, but at this point, we just wanted to keep everything kind of steady shift.\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: And then long term, we haven't factored in, like, a specific retirement amount because, obviously, retirement's so far away, so many variables that when you get closer to that point, we'll find a good form. Awesome.\n\nChannel 1: Yeah. And that's fine. And I think I've mentioned before as well, there's sort of a fairly significant, like, yeah, you can, Maggie, like, family estate that I'll be sort of accessing. But then anyway, so I'm not yeah. I'm more just sort of yeah.\n\nI I guess I'm not concerned about a specific retirement fund goal. It's more just sort of managing my wealth in a responsible way.\n\nChannel 0: Yeah. Absolutely. And that's why on the next page, I've just put the insurances as out of scope because\n\nChannel 1: Oh,\n\nChannel 0: we weren't\n\nChannel 1: yes.\n\nChannel 0: looking\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: right.\n\nChannel 0: get any\n\nChannel 1: Yeah.\n\nChannel 0: insurances at the time. We looked at\n\nChannel 1: One\n\nChannel 0: some\n\nChannel 1: moment.\n\nChannel 0: trauma cover. You have\n\nChannel 1: Yep.\n\nChannel 0: enough family assistance to draw down on.\n\nChannel 1: Yeah.\n\nChannel 0: No need to get\n\nChannel 1: Yep.\n\nChannel 0: insurance in the box.\n\nChannel 1: Yep. Exactly.\n\nChannel 0: Perfect. So the main\n\nChannel 1: Yep.\n\nChannel 0: sections to go through, if you wanna just flip through the document with me, page nine has your current situation. I just wanna make sure there hasn't been\n\nChannel 1: No.\n\nChannel 0: any big changes with the house value and mortgage at this point. I know it will be a little bit different. Perfect.\n\nChannel 1: Yeah. I mean, like, I I would say my car at this point is probably more 20 than 25.\n\nChannel 0: Yep.\n\nChannel 1: The house, like, I mean, no significant changes. Nothing really. But, like, I I would say it's probably worth more than that now, but I also, like, just don't know. I just haven't\n\nChannel 0: No specific\n\nChannel 1: done any\n\nChannel 0: valuation.\n\nChannel 1: re no.\n\nChannel 0: Yeah.\n\nChannel 1: No. Specific valuation. I just expect it would have gone up a bit just both through what I've done and just the house prices in this area rising. And do you want some milk or not? Yeah.\n\nSorry. But I haven't had it valued, so it's sort of up to you. I don't know how important that is to update, or it's better to just leave it as is without a\n\nChannel 0: Yeah.\n\nChannel 1: specific sort of trigger to change it.\n\nChannel 0: Yeah. I'll I'll keep it as is for now. We're not doing any\n\nChannel 1: Yep.\n\nChannel 0: debt management advice, and we're not trying to get investment properties, so that's okay.\n\nChannel 1: Yep.\n\nChannel 0: The next couple of pages just goes through your growth risk profile, which is that kind of four out of five on the risk scale. If you recall, we're\n\nChannel 1: Yep.\n\nChannel 0: kind of aiming for around about 80% of your super in growth assets. There's\n\nChannel 1: Yep.\n\nChannel 0: property gold, that kind of thing. So if you go down, the strategy recommendations on 12 is to obviously keep net wealth in place, rebalance a few options, and keep the contributions going there when they do come through from work, whether that's your current employer or the next one.\n\nChannel 1: Yep. Yeah. So\n\nChannel 0: Now\n\nChannel 1: I won't have yeah. I won't be I won't have any contributions for a little while. So, yeah, I guess that that's sort of an important factor for next year.\n\nChannel 0: Yeah. And that was one of the main things is we just wanna make sure so we can kind of pull it out of weight with the growth for the time being\n\nChannel 1: Yes.\n\nChannel 0: even if\n\nChannel 1: Yeah.\n\nChannel 0: that's just\n\nChannel 1: Yep.\n\nChannel 0: for the next twelve to twenty four months.\n\nChannel 1: Yep. Yep. Definitely.\n\nChannel 0: Perfect. There's a list of kind of advantages and disadvantages in the table on page thirteen and fourteen. The main thing is it kind of points out is that anytime we switch investments inside Super, Super pays like a a 15% tax rate as opposed to what you would pay personally. So investment growth is taxed at 15% if we switch investments as capital gains and all that kind of thing that we have to factor in as well as some brokerage fees to actually purchase the options themselves.\n\nChannel 1: Is that every time you sort of update, like, you know, manage my finances and move things around?\n\nChannel 0: So anytime, like, a contribution go in and they buy the investments, there's brokerage fees for ETFs. And if we do, like, sell half your portfolio and move it to different options, we have to factor in capital gains under the hood. It's something that's usually a bit more hidden in most super funds because they're price. But with Netwealth and a few wrap platforms, we actually have full control over, you know, offsetting gains and losses and that kind of thing.\n\nChannel 1: Yeah. Okay. I mean, I assume that you take that into account when you're signing whether the the move is worthwhile then. But, yeah, that's fine. I mean, yeah, as long\n\nChannel 0: Correct.\n\nChannel 1: as you're doing that, which seems pretty common sense. So that's fine.\n\nChannel 0: Yep. Absolutely. If I wasn't doing that, I wouldn't be doing my job properly. That's for sure. So if you go down to that next page on 15, there's a lovely table with a huge amount of figures on there and a lot of red if you\n\nChannel 1: Okay.\n\nChannel 0: can just have\n\nChannel 1: Yep.\n\nChannel 0: a quick look at the investments. The main thing here is that we're just switching out some of the underperforming options, Mainly, the second one in the road, which is the better long concentrated equities,\n\nChannel 1: Yeah. Wow.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: one's\n\nChannel 1: Yep.\n\nChannel 0: been that one's kind of been underperforming for a couple of years. So\n\nChannel 1: Yep.\n\nChannel 0: I'm replacing it like like for like with our Fendi. So\n\nChannel 1: Yep.\n\nChannel 0: lower\n\nChannel 1: Okay.\n\nChannel 0: investment fees, they've outperformed it one, three, five, and ten years. So it's just a straight up five step on that one.\n\nChannel 1: Yes. Okay.\n\nChannel 0: The other options, I won't go too much in-depth there, but we've we've kind of with the investment committee moved away from some of the kind of European and Japanese markets, a little bit more waiting towards the American and other international fees as well. There's a few extra options that I'm kind of rebalancing. The main one was just getting rid of that better option.\n\nChannel 1: Yep. Sure. Okay.\n\nChannel 0: K. Your asset allocation on the next page, there should be a colored pie chart there.\n\nChannel 1: Mhmm.\n\nChannel 0: And the main thing to point out here is that for a growth risk profile, you kind of want between 80 to 85% growth assets. You're currently at 85. The new portfolio kind of sits at about eighty, eighty one. So nothing significantly different there. They're both in line with the.\n\nChannel 1: K. So what's that fixed interest making? Just out of interest as a sort of a baseline of, I assume, that's that's more the sort of security portion.\n\nChannel 0: Correct.\n\nChannel 1: What's what's that? It's just as a sort of a a reference point. What's that making roughly?\n\nChannel 0: So\n\nChannel 1: I don't know what\n\nChannel 0: the\n\nChannel 1: changes.\n\nChannel 0: fixed interest kind of aims for around about that four to 5%.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Most of those options, they they do fluctuate, though. So some years\n\nChannel 1: Sure.\n\nChannel 0: it's two, some years it's seven, but\n\nChannel 1: Yep.\n\nChannel 0: four to five is the aim. Whereas your growth assets, they're all your double\n\nChannel 1: Yep.\n\nChannel 0: digits, 10,\n\nChannel 1: Yeah.\n\nChannel 0: 15,\n\nChannel 1: Correct.\n\nChannel 0: 20%.\n\nChannel 1: Yep.\n\nChannel 0: So averaging\n\nChannel 1: Okay.\n\nChannel 0: it out,\n\nChannel 1: Perfect.\n\nChannel 0: I think we're aiming for roundabout 9% on average. But if you go down to the next page, I've kind of given you a bit of an idea on the last five years averaged out.\n\nChannel 1: Okay.\n\nChannel 0: And there should be\n\nChannel 1: Yep.\n\nChannel 0: a table there called fee comparison. So top right, I've factored in the capital gains tax for switching the options within Nasuva, which is 1,600.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: The investment fees are about $2.60 less per year, but the performance difference goes from 8.28% to 12.73 over the last five years.\n\nChannel 1: Right. So this is a comparison based on the changes that you're making rather than the overall summary. Is that correct? Yep.\n\nChannel 0: Correct. So that's based on switching the investment.\n\nChannel 1: Yep. Okay. Yep. So four\n\nChannel 0: Yep.\n\nChannel 1: point 45% projected increase based on that that's what you're projecting when you take into account the fees and costs and stuff?\n\nChannel 0: Correct. So that's four point\n\nChannel 1: Yeah.\n\nChannel 0: four five after all fees, taxes, and premiums, which is no insurance premiums.\n\nChannel 1: Yeah.\n\nChannel 0: And there's a bit of a projection able just below that, which\n\nChannel 1: Mhmm.\n\nChannel 0: gives you an indication of a five and ten years. If the markets continue the way they have been the last five years, this is kind of how it should look going forward. Of course, markets fluctuate, but that's a bit of an estimate for you.\n\nChannel 1: Mhmm. Okay. Sure. Looks\n\nChannel 0: Perfect. The only last one there is the next table has all of the performance figures side by side over one, three, five, and ten years. And the only major issue\n\nChannel 1: good.\n\nChannel 0: that you have with the current option was because of that Benelon option weighted down, its twelve month performance was a bit flat compared to actually having some pretty significant growth. So if you can see that table label, the 02/18/2020\n\nChannel 1: Mhmm.\n\nChannel 0: six, It just shows you the side by side.\n\nChannel 1: Right. So is this again so current and recommended. So reckon so sorry. Is this a is this a projection table, or is this\n\nChannel 0: Oh, this is just a straight performance comparison going backwards over\n\nChannel 1: going\n\nChannel 0: one, three, five, and ten years.\n\nChannel 1: Based on what what is invested or so what's the recommended column for there?\n\nChannel 0: Gotcha. So the current column is basically all the options that you've currently got with their current ratings, and the recommended\n\nChannel 1: Yeah.\n\nChannel 0: column is the options that we've recommended you to switch to.\n\nChannel 1: That is\n\nChannel 0: And\n\nChannel 1: oh, okay. So\n\nChannel 0: be\n\nChannel 1: this is their growth looking back over the past five, twelve, three, five, ten years. Is\n\nChannel 0: correct.\n\nChannel 1: that right? Yeah. Okay. Right. Okay.\n\nSo this is still a a sort\n\nChannel 0: So\n\nChannel 1: of a the basis point, like, data to to sort of prompt me towards the change rather than looking back over overall performance. Is that right?\n\nChannel 0: yeah. So that is the I guess, with the seven or eight options that you've got and the seven or eight that we've recommended, if we actually average them out, that's how it would look going backwards.\n\nChannel 1: Yeah. Okay. Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: that's pretty much it for the superannuation side of it because it's just the rebalance from growth to growth. Everything\n\nChannel 1: Yep.\n\nChannel 0: else in the rest of this document is your beneficiaries, will, and power of attorney all the way up until page 25, 26. I probably don't have to tell you why you should put in place a bill on the\n\nChannel 1: No.\n\nChannel 0: beneficiary\n\nChannel 1: I know.\n\nChannel 0: nomination.\n\nChannel 1: Yep.\n\nChannel 0: It comes fine, but all of that's in there as general information as well.\n\nChannel 1: That's fine. Yep. I just have to get around to doing it.\n\nChannel 0: Perfect. No. That's all good. And, again, like I said, we'll send it through the hard copy with the return envelope, and it'll have a cover letter explaining how to do it. If you have any questions, just call the team.\n\nThey can walk you through it over the phone.\n\nChannel 1: Sure. So can you can you just I know this is not strictly part of this call. This is not my regular annual annual review, but can you just give me a a basic summary of what the performance has looked like over the last twelve months? Like, accounting for\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: my because I when I look at my super and I always go, oh, you know, it's growing really well. That's great. But then I'm not sort of seeing that broken down by, like, what what did my employee employee contributions versus the growth of, you know, the investments, if that makes sense. So I'm sort of like, it's hard to see how well it's performing, like, taking into account that some of it is just those contributions, if you if that makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: if you\n\nChannel 0: I actually\n\nChannel 1: yeah.\n\nChannel 0: got a updated report generated this morning\n\nChannel 1: Alright.\n\nChannel 0: for you,\n\nChannel 1: Great.\n\nChannel 0: and I'll email that through separately to see you've got that there on file.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Awesome. A bit of forewarning. It has actually dipped down quite a bit\n\nChannel 1: Okay.\n\nChannel 0: recently.\n\nChannel 1: Yep.\n\nChannel 0: All\n\nChannel 1: Yep.\n\nChannel 0: of the things that happened over\n\nChannel 1: Yep.\n\nChannel 0: Christmas, everything's kind of going into negative. So it's probably a good time to be updating a few things for sure.\n\nChannel 1: Yeah. And is that aligned with just the the broader global markets? Or, like, how does that sort of fit with with the picture of what's been happening globally?\n\nChannel 0: Bit of both. So everything that's kind of happened with the Australian and international markets, that's reflected pretty well within the portfolio. So bit of a dip over Christmas. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: gold prices went up $4.60\n\nChannel 1: Yeah.\n\nChannel 0: percent and they crashed a little bit.\n\nChannel 1: Yep.\n\nChannel 0: So that's\n\nChannel 1: Yep.\n\nChannel 0: kind of all over the shop.\n\nChannel 1: Yep.\n\nChannel 0: But that one option has kind of not been doing what the rest\n\nChannel 1: That's\n\nChannel 0: of\n\nChannel 1: been\n\nChannel 0: the Australian\n\nChannel 1: the\n\nChannel 0: market's been doing.\n\nChannel 1: okay. Yep. So that's been the big drag,\n\nChannel 0: Yeah.\n\nChannel 1: and that's what you're getting rid of.\n\nChannel 0: Correct. So\n\nChannel 1: Okay.\n\nChannel 0: overall, it reflects pretty well side to side except for that one portion, and\n\nChannel 1: Yep.\n\nChannel 0: that one portion, I really just have to flag and get it.\n\nChannel 1: Yeah. Okay. So that just becomes a point of, at some point, cutting losses and getting rid of it rather than hoping it'll come back and just accepting the the fees and taxes that come along with that change. Is that sort of your decision making process point? Or\n\nChannel 0: We're halfway there. So with the selling of that option, because it's dropped down, the losses from that actually offset the gains for the other options that we're switching. So it actually, oddly enough,\n\nChannel 1: Oh, right.\n\nChannel 0: minimizes\n\nChannel 1: Of course.\n\nChannel 0: the capital\n\nChannel 1: Yeah. You\n\nChannel 0: gains\n\nChannel 1: wouldn't\n\nChannel 0: tax.\n\nChannel 1: you you wouldn't have capital gains on it if you've not made any capital. Yeah. Okay.\n\nChannel 0: Correct.\n\nChannel 1: Alright.\n\nChannel 0: So that\n\nChannel 1: Yeah.\n\nChannel 0: offsets\n\nChannel 1: So it's\n\nChannel 0: that a little bit, which is nice.\n\nChannel 1: definitely worth selling.\n\nChannel 0: Yes. But on the flip side, normally, you keep an eye on for an option for a maximum of about two years. And\n\nChannel 1: Yep.\n\nChannel 0: with most options, they tend to like, if there's five different managers competing for Australian shares, they kind of jostle for position every year. Some of them are like the second best, third best, yada yada yada. With\n\nChannel 1: Yep.\n\nChannel 0: this one in particular, it's kind of split off from the past. Whereas everyone's kind of doing six\n\nChannel 1: Yep.\n\nChannel 0: to eight percent this year, it kind of dropped down 20%. And it's like, why have they done that? They picked a few bad apples in, oddly enough, some companies linked to The UK, which had few news articles there where they have to owe people for overcharging, like airline fees and things like that.\n\nChannel 1: Okay. Okay.\n\nChannel 0: And then\n\nChannel 1: Yep.\n\nChannel 0: they've had some exits from their fund itself where most of their fund managers and professionals have actually left the fund. So this is one case where I don't think it will come back.\n\nChannel 1: Yeah. Okay. Yeah. So what exactly is I'm sorry, Maggie. What exactly is like, they're they're sort of portfolios that are just collections of, you know, of different sort of types of investment.\n\nIs that, like, broadly what these are?\n\nChannel 0: Yes. Correct. So each one's split into a different asset class, like the Bed Along was buying Australian shares. You've got the gold ETF, which literally just tracked the gold price. You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on.\n\nSo they're essentially just a fund that buys a collection of shares or properties or different assets.\n\nChannel 1: And do they have a, like, a mandate of breach sort of one of these, like, the the Benelon one that you or whatever it's called that you're getting rid of? Do do they have does that have, like, a certain sort of mandate of, like, what type of shares those are? Like, you mentioned The UK shares. Is it, like or or are they just sort of each their own little portfolio like, their own sort of portfolio of what they think is gonna perform well with no, like, parameters?\n\nChannel 0: Oh, no. The former. So they've each got, like, an investment objective,\n\nChannel 1: Yep.\n\nChannel 0: and they have to invest within those parameters. So for example, if we one of the options you've got is, like, an s and p 500, which is which we just buy in the top 500 companies in The US. It can't deviate outside of those 500 companies.\n\nChannel 1: So what's the Bennelong one that you're getting rid of just out of interest? What what's\n\nChannel 0: So\n\nChannel 1: what's\n\nChannel 0: it\n\nChannel 1: their\n\nChannel 0: would\n\nChannel 1: broad\n\nChannel 0: normally\n\nChannel 1: mandate?\n\nChannel 0: buy so they buy Australian shares, so things like the ASX 200. But because it's a concentrated fund, they try and pick 20 or 30 out of that 200, and they've just been consistently picking them\n\nChannel 1: Yep. Right. Yeah. Okay. Okay.\n\nThat's good to know. Just interested.\n\nChannel 0: up. Cool. Oh, and if you ever wanna read up on it, because that's kind of my weekend reading, is\n\nChannel 1: Yes.\n\nChannel 0: we include links to each fund's profile on the the\n\nChannel 1: Okay.\n\nChannel 0: appendix document that we've got\n\nChannel 1: Okay.\n\nChannel 0: attached. So if you ever wanna look at\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: might have\n\nChannel 0: each\n\nChannel 1: a look.\n\nChannel 0: of them do,\n\nChannel 1: Yep.\n\nChannel 0: yeah, it will show you fees, performance, asset allocation, and objectives, and that's kind of our starting point when we review the option.\n\nChannel 1: Yes. I'll\n\nChannel 0: And\n\nChannel 1: have\n\nChannel 0: if\n\nChannel 1: a look.\n\nChannel 0: you do have a minute, did you wanna Google one with me now, or do you wanna have a look\n\nChannel 1: Sure.\n\nChannel 0: at it a little bit later?\n\nChannel 1: No. Let's let's have a Google.\n\nChannel 0: So every time I show people this, because this is something that we were talking about Christmas time,\n\nChannel 1: Yep.\n\nChannel 0: this is as as clear cut as you can possibly see. So if you hop on Google and actually\n\nChannel 1: Mhmm.\n\nChannel 0: type in Benelong concentrated with two n's. So it's b e, n n, e l o n g, so Bennelong, and then concentrated.\n\nChannel 1: Yep. Got it.\n\nChannel 0: So when you go on that website, I'll just kind of jump alongside you with it. If you\n\nChannel 1: Mhmm.\n\nChannel 0: go on that website, we've got it's orange. And if you scroll down, there's a few tabs down there called fund overview and performance. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And so what you can sort of see is the benchmark is the s and p ASX 300 index.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So it's kind of trying to compete with the 300 companies in Australia. It's\n\nChannel 1: Mhmm.\n\nChannel 0: got its fees there. And then the performance tab, that's probably the easiest one to see. January 31, you've got your one, three, five, and ten years. And\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: oddly enough, back three, four years ago, they were the most awarded fund manager in the country and\n\nChannel 1: Okay.\n\nChannel 0: minus 21% in the last year, minus 2% per annum for three years, and whatever's happened the last few years has just completely\n\nChannel 1: So just\n\nChannel 0: destroyed\n\nChannel 1: sort\n\nChannel 0: the\n\nChannel 1: of\n\nChannel 0: fund\n\nChannel 1: had\n\nChannel 0: almost.\n\nChannel 1: some bad, yeah, really bad decision making and never looks of it. Or is that is that right, or is it just sort of the unpredictability? Like, would you say that that are you sort of quite critical then of of how they've managed their fund the last few years, or do these things just happen innocently?\n\nChannel 0: So most of the time, it just happens instantly, and that's why every year they kind of, like I was saying, jostle position on who's top, who's second.\n\nChannel 1: Yep.\n\nChannel 0: But this one, we're quite critical of because\n\nChannel 1: Yep.\n\nChannel 0: while the pack has kind of been following the market and doing well, they put off in a completely different direction for multiple years in a row and\n\nChannel 1: And\n\nChannel 0: haven't\n\nChannel 1: it\n\nChannel 0: been\n\nChannel 1: didn't\n\nChannel 0: able\n\nChannel 1: pay\n\nChannel 0: to bring\n\nChannel 1: off.\n\nChannel 0: it back,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: and it didn't pay\n\nChannel 1: Yep.\n\nChannel 0: off.\n\nChannel 1: So you're dumping them, basically.\n\nChannel 0: Now yeah. And then if you look at on Google again, you can just\n\nChannel 1: Yep.\n\nChannel 0: type in it's called Alfiniti with a p h, Australian share funds. And if you just go on their main website\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: and under the, like, the performance tab at the top, you should be able to see there they've got the as Afiniti Australian share funds.\n\nChannel 1: Yep.\n\nChannel 0: And in\n\nChannel 1: Concentrated?\n\nChannel 0: that table\n\nChannel 1: Is\n\nChannel 0: compared\n\nChannel 1: it Aufiniti\n\nChannel 0: to this\n\nChannel 1: concentrated or\n\nChannel 0: no. The one above it.\n\nChannel 1: oh, Australian shit. Yeah. Okay. Yeah. I see.\n\nYep.\n\nChannel 0: Yep. So it's the same index, the ASX 300 index. So it's it's in\n\nChannel 1: Yep.\n\nChannel 0: the same group of funds,\n\nChannel 1: Yep.\n\nChannel 0: but the one three five ten year performance kind of outstripped it, and it's actually managed to outperform the Australian market over this period too.\n\nChannel 1: Yeah. Okay. So that's sort of what\n\nChannel 0: Yes.\n\nChannel 1: what you want. Hey.\n\nChannel 0: So yeah. So if we've got this blend for you of a bit of passive, a bit of active, so it's mainly these low fee ETFs with a few funds that are actively managed that try to outperform the index. If you pay the slightly higher fees for those options, you want them to actually outperform the low fee option essentially.\n\nChannel 1: Yes. You do. Yep.\n\nChannel 0: Now that's the most bare bones kind of comparison. We went a little bit more in-depth with it in the investment committee actually did a full review of that one fund manager. And around Christmas time, we were like, no. This is pretty much a sell in almost every case.\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: K. So that's kind of a bit of a broad look at it. Again, we've got some reports through research houses that go a lot more in-depth under the hood, but it's just a good starting point to see kind of why we're doing what we're doing.\n\nChannel 1: Yeah. No. That's that's great. Thank you for talking me through all of that. That's very useful to understand.\n\nI'm very happy with you guys. You know? Like, I don't need I I don't wanna sort of get into the weeds of of things and have to take your advice because that's what I'm paying for. But I'm just it's interesting to know, like, when something is not performing, how like, why and how, you know, those sort of decisions are made and and what the solution is. So that's really\n\nChannel 0: Oh,\n\nChannel 1: good.\n\nChannel 0: yeah. Absolutely. And a lot of the time when we do annual reviews, people look at it obviously in that twelve month snapshot, and they're going, okay. Well, if this one's gone down a little bit, just get rid of it. And you go, okay.\n\nWe've got to look a little bit more long term here. But\n\nChannel 1: Yeah.\n\nChannel 0: there's a few factors again, indicators where you go, this one's actually a critical need to reflect. So,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, more than happy\n\nChannel 1: Well, it's\n\nChannel 0: to go\n\nChannel 1: all\n\nChannel 0: through\n\nChannel 1: a\n\nChannel 0: that\n\nChannel 1: gamble,\n\nChannel 0: with you.\n\nChannel 1: isn't it?\n\nChannel 0: And\n\nChannel 1: It's\n\nChannel 0: if\n\nChannel 1: it's\n\nChannel 0: you sorry.\n\nChannel 1: Sorry.\n\nChannel 0: What\n\nChannel 1: Go\n\nChannel 0: was that,\n\nChannel 1: on.\n\nChannel 0: Sarah? A bit of a gamble.\n\nChannel 1: I just was saying it's all it's a bit of gamble. You've gotta give something a chance. You can't just switch out every time something doesn't do very well.\n\nChannel 0: Yeah. That's right. And I guess what we're looking for when it comes to retirement is, like, consistency. Because\n\nChannel 1: Yeah.\n\nChannel 0: for most people, trying to get a good average return that's a couple of percent above what they were doing before, that gets an extra few 100,000 in retirement. We're not trying to day trade people super\n\nChannel 1: Yep.\n\nChannel 0: and buy and sell this to get them\n\nChannel 1: Yeah.\n\nChannel 0: a four\n\nChannel 1: Exactly.\n\nChannel 0: 100% return and make them\n\nChannel 1: Yep.\n\nChannel 0: $2,000,000,000. We're just trying to get them from, you know, 700 thousand to 1,000,000 days you're comfortable. We need consistency.\n\nChannel 1: Yep. Yep. Yep. Absolutely.\n\nChannel 0: And that's you know, some people are looking for that. They want you to buy and sell on a daily basis and try and make them rich overnight. That's just not our philosophy when it comes to superimitable\n\nChannel 1: No.\n\nChannel 0: time.\n\nChannel 1: Yeah. Okay. Great. No. Thank you for that, Tommy.\n\nThat was that was really useful.\n\nChannel 0: Cool. No worries at all. That's pretty much everything for this advice document. Again, I'll send out those beneficiaries to you.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: And once we get that through, we'll do the investment switches,\n\nChannel 1: Yep.\n\nChannel 0: and that's pretty much it for the time being. Now for your next annual review, do you want\n\nChannel 1: Yep.\n\nChannel 0: me to pencil you in for some quarterly catch ups this year, or should we just wait until that review to see if you kind of had some significant changes at that point?\n\nChannel 1: Let's go let's just do the quarterly sorry, the annual review for now\n\nChannel 0: Yep.\n\nChannel 1: and and just decide from there, I think.\n\nChannel 0: Yeah. Perfect. Perfect. So we will be speaking again this year, and I'll send that report through to you from NetWell. But\n\nChannel 1: Yep.\n\nChannel 0: when we do the next review, we'll kind of go over it'll probably be it'll be less than a year, of course, or really\n\nChannel 1: Yep.\n\nChannel 0: it's up to you. We can give it twelve months from now to see how it performs, or we can still catch up in six months' time at the normal review day.\n\nChannel 1: Let's just do the yeah. Let's let's do a normal review And, you know, I'm sort\n\nChannel 0: Yep.\n\nChannel 1: of I'd trust you to sort of manage it and see how it's going. And, yeah, I don't need to micromanage or know every step of what you're doing as long as you you know, I'm happy with your decision making process, so that's fine.\n\nChannel 0: Perfect. So when we catch up at that time, I'll give you another updated report. We'll go through if there's been any changes with, you know, work and family and goals, and we'll just kinda see how it's tracked for that first quarter or two since we made the switches.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Awesome, Sarah. Well, thank you very much for the time this morning. Any questions for me before I let you go?\n\nChannel 1: No. No. That's all that's all good. Thank you for taking the time.\n\nChannel 0: That's okay. And I will double check and make sure you do get\n\nChannel 1: Yep.\n\nChannel 0: SMS reminders before I next catch up.\n\nChannel 1: Wonderful. Thank you.\n\nChannel 0: Thank you, Sarah. Have a fantastic weekend, and I'll talk\n\nChannel 1: Thanks. Tell me too. Bye.\n\nChannel 0: to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.05179917812347412},{"text":"Sarah speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.04005291499197483}],"sentiment":"neutral","sentiment_score":0.04396833603580793,"channel":1,"num_words":3,"start":1.04,"end":2.34},{"sentences":[{"text":"Good morning, Sarah.","start":3.36,"end":4.24,"sentiment":"positive","sentiment_score":0.3539002637068431},{"text":"It's Tommy here, senior adviser from.","start":4.24,"end":6.24,"sentiment":"neutral","sentiment_score":0.24346143752336502},{"text":"How are you?","start":6.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.24343136449654898},{"text":"How have you been?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.15914634242653847}],"sentiment":"neutral","sentiment_score":0.2430843049660325,"channel":0,"num_words":16,"start":3.36,"end":7.54},{"sentences":[{"text":"Oh, good.","start":7.3599997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3845660984516144},{"text":"Thanks.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.503150463104248},{"text":"How are you?","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.31161009271939594}],"sentiment":"positive","sentiment_score":0.3678521563609441,"channel":1,"num_words":6,"start":7.3599997,"end":9.139999},{"sentences":[{"text":"Doing fantastic.","start":9.76,"end":10.58,"sentiment":"positive","sentiment_score":0.652299553155899},{"text":"Sorry.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":-0.2627149522304535},{"text":"I'm a bit cocky today.","start":10.96,"end":12.0,"sentiment":"negative","sentiment_score":-0.5495047092437744},{"text":"Everyone's gone down with a bit of a flu,","start":12.0,"end":13.759999,"sentiment":"negative","sentiment_score":-0.4464218318462372}],"sentiment":"negative","sentiment_score":-0.33667269875021544,"channel":0,"num_words":17,"start":9.76,"end":13.759999},{"sentences":[{"text":"Oh,","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":-0.18489357829093933}],"sentiment":"neutral","sentiment_score":-0.18489357829093933,"channel":1,"num_words":1,"start":13.679999,"end":13.92},{"sentences":[{"text":"so","start":13.759999,"end":13.92,"sentiment":"neutral","sentiment_score":-0.16227924823760986}],"sentiment":"neutral","sentiment_score":-0.16227924823760986,"channel":0,"num_words":1,"start":13.759999,"end":13.92},{"sentences":[{"text":"that's","start":13.92,"end":14.16,"sentiment":"neutral","sentiment_score":-0.1688138097524643}],"sentiment":"neutral","sentiment_score":-0.1688138097524643,"channel":1,"num_words":1,"start":13.92,"end":14.16},{"sentences":[{"text":"please","start":13.92,"end":14.385,"sentiment":"neutral","sentiment_score":-0.24055589735507965}],"sentiment":"neutral","sentiment_score":-0.24055589735507965,"channel":0,"num_words":1,"start":13.92,"end":14.385},{"sentences":[{"text":"okay.","start":14.16,"end":14.66,"sentiment":"neutral","sentiment_score":-0.10564084351062776}],"sentiment":"neutral","sentiment_score":-0.10564084351062776,"channel":1,"num_words":1,"start":14.16,"end":14.66},{"sentences":[{"text":"excuse me.","start":16.465,"end":17.185,"sentiment":"neutral","sentiment_score":-0.1780020073056221},{"text":"Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place.","start":17.185,"end":26.79,"sentiment":"neutral","sentiment_score":-0.06937673803547333}],"sentiment":"neutral","sentiment_score":-0.07638481992387003,"channel":0,"num_words":31,"start":16.465,"end":26.79},{"sentences":[{"text":"Yeah.","start":27.595001,"end":27.835,"sentiment":"neutral","sentiment_score":0.06161735579371452},{"text":"That's fine.","start":27.835,"end":28.575,"sentiment":"neutral","sentiment_score":0.10799893736839294}],"sentiment":"neutral","sentiment_score":0.09253841017683347,"channel":1,"num_words":3,"start":27.595001,"end":28.575},{"sentences":[{"text":"No worries.","start":29.35,"end":29.990002,"sentiment":"neutral","sentiment_score":0.05665400251746178},{"text":"Are you okay for the call to be recorded for training and quality","start":29.990002,"end":33.03,"sentiment":"neutral","sentiment_score":0.03341640216799883}],"sentiment":"neutral","sentiment_score":0.03651474888126056,"channel":0,"num_words":15,"start":29.35,"end":33.03},{"sentences":[{"text":"Yes.","start":32.760002,"end":33.260002,"sentiment":"neutral","sentiment_score":0.041650958359241486}],"sentiment":"neutral","sentiment_score":0.041650958359241486,"channel":1,"num_words":1,"start":32.760002,"end":33.260002},{"sentences":[{"text":"purposes?","start":33.03,"end":33.53,"sentiment":"neutral","sentiment_score":0.04353898763656616}],"sentiment":"neutral","sentiment_score":0.04353898763656616,"channel":0,"num_words":1,"start":33.03,"end":33.53},{"sentences":[{"text":"That's fine.","start":33.4,"end":34.14,"sentiment":"neutral","sentiment_score":0.15602219104766846}],"sentiment":"neutral","sentiment_score":0.15602219104766846,"channel":1,"num_words":2,"start":33.4,"end":34.14},{"sentences":[{"text":"Awesome.","start":34.23,"end":34.73,"sentiment":"positive","sentiment_score":0.42224493622779846},{"text":"And we don't have a security question on the file.","start":34.79,"end":37.03,"sentiment":"neutral","sentiment_score":0.11722744405269622},{"text":"Are you okay to confirm your date of birth and address, please?","start":37.03,"end":40.065,"sentiment":"neutral","sentiment_score":0.07738001303126414}],"sentiment":"neutral","sentiment_score":0.10969911013608394,"channel":0,"num_words":23,"start":34.23,"end":40.065},{"sentences":[{"text":"Second is the 889 And 18 Arvaterra, Savendale Heights","start":40.920002,"end":44.475,"sentiment":"neutral","sentiment_score":0.0575637004027764}],"sentiment":"neutral","sentiment_score":0.0575637004027764,"channel":1,"num_words":9,"start":40.920002,"end":44.475},{"sentences":[{"text":"Perfect.","start":45.664997,"end":46.164997,"sentiment":"neutral","sentiment_score":0.2973204255104065},{"text":"Thank you so much, Sarah.","start":46.464996,"end":47.984997,"sentiment":"positive","sentiment_score":0.5446194648742676},{"text":"Now I've popped that through.","start":47.984997,"end":49.344997,"sentiment":"neutral","sentiment_score":0.1539578303694725},{"text":"It should be either in your main inbox or in your","start":49.344997,"end":52.305,"sentiment":"neutral","sentiment_score":0.1003290255638686}],"sentiment":"neutral","sentiment_score":0.2224466446787119,"channel":0,"num_words":22,"start":45.664997,"end":52.305},{"sentences":[{"text":"three","start":51.995,"end":52.495,"sentiment":"neutral","sentiment_score":0.06326533108949661}],"sentiment":"neutral","sentiment_score":0.06326533108949661,"channel":1,"num_words":1,"start":51.995,"end":52.495},{"sentences":[{"text":"spam box to your Gmail","start":52.305,"end":53.710003,"sentiment":"neutral","sentiment_score":0.08094800263643265}],"sentiment":"neutral","sentiment_score":0.08094800263643265,"channel":0,"num_words":5,"start":52.305,"end":53.710003},{"sentences":[{"text":"zero","start":53.434998,"end":53.934998,"sentiment":"neutral","sentiment_score":0.020945489406585693}],"sentiment":"neutral","sentiment_score":0.020945489406585693,"channel":1,"num_words":1,"start":53.434998,"end":53.934998},{"sentences":[{"text":"account.","start":53.710003,"end":54.030003,"sentiment":"neutral","sentiment_score":0.0629846379160881},{"text":"If you could just check 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just tracked the gold price.","start":1293.0751,"end":1297.255,"sentiment":"neutral","sentiment_score":0.05096855169783036},{"text":"You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on.","start":1297.555,"end":1306.5,"sentiment":"neutral","sentiment_score":0.03318644776616408}],"sentiment":"neutral","sentiment_score":0.035227768381850585,"channel":0,"num_words":54,"start":1286.63,"end":1306.5},{"sentences":[{"text":"So they're essentially just a fund that buys a collection of shares or properties or different assets.","start":1306.58,"end":1311.88,"sentiment":"neutral","sentiment_score":0.02774616960874375}],"sentiment":"neutral","sentiment_score":0.02774616960874375,"channel":0,"num_words":17,"start":1306.58,"end":1311.88},{"sentences":[{"text":"And do they have a, like, a mandate of breach sort of one of these, like, the the Benelon one that you or whatever it's called that you're getting rid 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research houses that go a lot more in-depth under the hood, but it's just a good starting point to see kind of why we're doing what we're doing.","start":1654.73,"end":1663.8849,"sentiment":"neutral","sentiment_score":0.19703787828192992}],"sentiment":"neutral","sentiment_score":0.16104074868750065,"channel":0,"num_words":47,"start":1651.0499,"end":1663.8849},{"sentences":[{"text":"Yeah.","start":1664.565,"end":1665.0449,"sentiment":"neutral","sentiment_score":0.198368102312088},{"text":"No.","start":1665.0449,"end":1665.2849,"sentiment":"neutral","sentiment_score":0.21637724339962008},{"text":"That's that's great.","start":1665.2849,"end":1666.005,"sentiment":"positive","sentiment_score":0.5460913081963857},{"text":"Thank you for talking me through all of that.","start":1666.005,"end":1667.6849,"sentiment":"positive","sentiment_score":0.7021031909518771},{"text":"That's very useful to 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now","start":1813.21,"end":1818.1901,"sentiment":"neutral","sentiment_score":0.04593778530565592}],"sentiment":"neutral","sentiment_score":0.04593778530565592,"channel":1,"num_words":13,"start":1813.21,"end":1818.1901},{"sentences":[{"text":"Yep.","start":1818.5299,"end":1819.0299,"sentiment":"neutral","sentiment_score":0.04734326526522637}],"sentiment":"neutral","sentiment_score":0.04734326526522637,"channel":0,"num_words":1,"start":1818.5299,"end":1819.0299},{"sentences":[{"text":"and and just decide from there, I think.","start":1819.53,"end":1822.11,"sentiment":"neutral","sentiment_score":0.06474100705236197}],"sentiment":"neutral","sentiment_score":0.06474100705236197,"channel":1,"num_words":8,"start":1819.53,"end":1822.11},{"sentences":[{"text":"Yeah.","start":1823.4099,"end":1823.8099,"sentiment":"neutral","sentiment_score":0.19715088605880737},{"text":"Perfect.","start":1823.8099,"end":1824.21,"sentiment":"positive","sentiment_score":0.3650182485580444},{"text":"Perfect.","start":1824.21,"end":1824.5299,"sentiment":"positive","sentiment_score":0.3464735150337219},{"text":"So we will be speaking again this year, and I'll send that report through to you from NetWell.","start":1824.5299,"end":1830.615,"sentiment":"neutral","sentiment_score":0.22220151705874336},{"text":"But","start":1831.095,"end":1831.495,"sentiment":"neutral","sentiment_score":0.10248783975839616}],"sentiment":"neutral","sentiment_score":0.22776171802119774,"channel":0,"num_words":22,"start":1823.4099,"end":1831.495},{"sentences":[{"text":"Yep.","start":1831.425,"end":1831.925,"sentiment":"neutral","sentiment_score":0.05900894105434418}],"sentiment":"neutral","sentiment_score":0.05900894105434418,"channel":1,"num_words":1,"start":1831.425,"end":1831.925},{"sentences":[{"text":"when we do the next review, we'll kind of go over it'll probably be it'll be less than a year, of course, or really","start":1831.495,"end":1838.535,"sentiment":"neutral","sentiment_score":0.07616068950543801}],"sentiment":"neutral","sentiment_score":0.07616068950543801,"channel":0,"num_words":24,"start":1831.495,"end":1838.535},{"sentences":[{"text":"Yep.","start":1838.37,"end":1838.87,"sentiment":"neutral","sentiment_score":0.0747644230723381}],"sentiment":"neutral","sentiment_score":0.0747644230723381,"channel":1,"num_words":1,"start":1838.37,"end":1838.87},{"sentences":[{"text":"it's up to you.","start":1838.535,"end":1839.095,"sentiment":"neutral","sentiment_score":0.1221111100167036},{"text":"We can give it twelve months from now to see how it performs, or we can still catch up in six months' time at the normal review day.","start":1839.095,"end":1846.08,"sentiment":"neutral","sentiment_score":0.10934037422495228}],"sentiment":"neutral","sentiment_score":0.1109367161989212,"channel":0,"num_words":32,"start":1838.535,"end":1846.08},{"sentences":[{"text":"Let's just do the yeah.","start":1847.3301,"end":1849.1901,"sentiment":"neutral","sentiment_score":0.08091606497764588},{"text":"Let's let's do a normal review And, you know, I'm sort","start":1849.81,"end":1853.305,"sentiment":"neutral","sentiment_score":0.07726377113298936}],"sentiment":"neutral","sentiment_score":0.07840511295944452,"channel":1,"num_words":16,"start":1847.3301,"end":1853.305},{"sentences":[{"text":"Yep.","start":1853.2799,"end":1853.7799,"sentiment":"neutral","sentiment_score":0.11585356295108797}],"sentiment":"neutral","sentiment_score":0.11585356295108797,"channel":0,"num_words":1,"start":1853.2799,"end":1853.7799},{"sentences":[{"text":"of I'd trust you to sort of manage it and see how it's going.","start":1853.305,"end":1856.425,"sentiment":"neutral","sentiment_score":0.17961751935737474},{"text":"And, yeah, I don't need to micromanage or know every step of what you're doing as long as you you know, I'm happy with your decision making process, so that's fine.","start":1856.425,"end":1864.765,"sentiment":"neutral","sentiment_score":0.32201862599580516}],"sentiment":"neutral","sentiment_score":0.27771605948607125,"channel":1,"num_words":45,"start":1853.305,"end":1864.765},{"sentences":[{"text":"Perfect.","start":1865.9551,"end":1866.435,"sentiment":"positive","sentiment_score":0.7772310972213745},{"text":"So when we catch up at that time, I'll give you another updated report.","start":1866.435,"end":1870.535,"sentiment":"neutral","sentiment_score":0.28101506935698645},{"text":"We'll go through if there's been any changes with, you know, work and family and goals, and we'll just kinda see how it's tracked for that first quarter or two since we made the switches.","start":1870.595,"end":1880.5199,"sentiment":"neutral","sentiment_score":0.2982752672263554}],"sentiment":"neutral","sentiment_score":0.3030215284228325,"channel":0,"num_words":50,"start":1865.9551,"end":1880.5199},{"sentences":[{"text":"Yep.","start":1881.165,"end":1881.405,"sentiment":"positive","sentiment_score":0.3579925000667572},{"text":"Sounds good.","start":1881.405,"end":1882.2251,"sentiment":"positive","sentiment_score":0.7246708869934082}],"sentiment":"positive","sentiment_score":0.6024447580178579,"channel":1,"num_words":3,"start":1881.165,"end":1882.2251},{"sentences":[{"text":"Awesome, Sarah.","start":1883.86,"end":1884.58,"sentiment":"positive","sentiment_score":0.7898671627044678},{"text":"Well, thank you very much for the time this morning.","start":1884.58,"end":1886.4199,"sentiment":"positive","sentiment_score":0.7977965235710144},{"text":"Any questions for me before I let you go?","start":1886.4199,"end":1888.6,"sentiment":"neutral","sentiment_score":0.3115360935529073}],"sentiment":"positive","sentiment_score":0.5886440191950116,"channel":0,"num_words":21,"start":1883.86,"end":1888.6},{"sentences":[{"text":"No.","start":1888.925,"end":1889.3251,"sentiment":"neutral","sentiment_score":-0.09570343792438508},{"text":"No.","start":1889.3251,"end":1889.5651,"sentiment":"neutral","sentiment_score":-0.1240040734410286},{"text":"That's all that's all good.","start":1889.5651,"end":1890.765,"sentiment":"neutral","sentiment_score":0.3144943505525589},{"text":"Thank you for taking the time.","start":1890.765,"end":1892.145,"sentiment":"positive","sentiment_score":0.6991632084051768}],"sentiment":"positive","sentiment_score":0.4267494993714186,"channel":1,"num_words":13,"start":1888.925,"end":1892.145},{"sentences":[{"text":"That's okay.","start":1893.4349,"end":1894.075,"sentiment":"positive","sentiment_score":0.41542449593544006},{"text":"And I will double check and make sure you do get","start":1894.075,"end":1896.575,"sentiment":"neutral","sentiment_score":0.31201394308697095}],"sentiment":"neutral","sentiment_score":0.32792325890981233,"channel":0,"num_words":13,"start":1893.4349,"end":1896.575},{"sentences":[{"text":"Yep.","start":1896.43,"end":1896.93,"sentiment":"neutral","sentiment_score":0.23740288615226743}],"sentiment":"neutral","sentiment_score":0.23740288615226743,"channel":1,"num_words":1,"start":1896.43,"end":1896.93},{"sentences":[{"text":"SMS reminders before I next catch up.","start":1896.955,"end":1899.215,"sentiment":"neutral","sentiment_score":0.16804767080715724}],"sentiment":"neutral","sentiment_score":0.16804767080715724,"channel":0,"num_words":7,"start":1896.955,"end":1899.215},{"sentences":[{"text":"Wonderful.","start":1900.27,"end":1900.77,"sentiment":"positive","sentiment_score":0.7551659941673279},{"text":"Thank you.","start":1900.99,"end":1901.65,"sentiment":"positive","sentiment_score":0.744554877281189}],"sentiment":"positive","sentiment_score":0.7480919162432352,"channel":1,"num_words":3,"start":1900.27,"end":1901.65},{"sentences":[{"text":"Thank you, Sarah.","start":1903.115,"end":1903.755,"sentiment":"positive","sentiment_score":0.7642288208007812},{"text":"Have a fantastic weekend, and I'll talk","start":1903.755,"end":1905.5729,"sentiment":"positive","sentiment_score":0.7738905889647347}],"sentiment":"positive","sentiment_score":0.7709920585155488,"channel":0,"num_words":10,"start":1903.115,"end":1905.5729},{"sentences":[{"text":"Thanks.","start":1906.1901,"end":1906.67,"sentiment":"positive","sentiment_score":0.6516028642654419},{"text":"Tell me too.","start":1906.67,"end":1907.31,"sentiment":"positive","sentiment_score":0.4198707342147827},{"text":"Bye.","start":1907.31,"end":1907.81,"sentiment":"neutral","sentiment_score":0.19392554461956024}],"sentiment":"positive","sentiment_score":0.42102812230587006,"channel":1,"num_words":5,"start":1906.1901,"end":1907.81},{"sentences":[{"text":"to you soon.","start":1907.9729,"end":1909.6628,"sentiment":"neutral","sentiment_score":0.2517804652452469},{"text":"Bye.","start":1909.6628,"end":1910.1628,"sentiment":"neutral","sentiment_score":-0.09176696091890336}],"sentiment":"neutral","sentiment_score":0.16589360870420933,"channel":0,"num_words":4,"start":1907.9729,"end":1910.1628}]},"summary":{"result":"success","short":"Sarah, a senior adviser from a financial company, calls to confirm her personal information and discuss her financial situation. She emphasizes the importance of estate planning and managing wealth in a responsible way, as well as updating beneficiary nominations and recommending a will in place. The speakers discuss the growth risk profile of the portfolio, retirement goals, and the benefits of a bill on beneficiaries. They also touch on the performance of various funds and the importance of consistency and consistency in retirement decisions. The speakers offer guidance on managing wealth in a responsible way and provide a report to the customer for future discussions."},"intents":{"segments":[{"text":"Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place. Yeah.","start_word":49,"end_word":78,"intents":[{"intent":"Confirm security check status","confidence_score":0.0027788365}]},{"text":"Now with the statement of advice, so I've actually attached it as an attachment to the email. So because it is like a like a doc DocuSign type system, there's a link there to actually go through and sign the Yep. document. But I just want you to open up the statement of advice with that lovely forest background if you can.","start_word":332,"end_word":393,"intents":[{"intent":"Open statement of advice","confidence_score":0.37159038}]},{"text":"Now are you are you able to see everything? Is it nice and clear?","start_word":425,"end_word":438,"intents":[{"intent":"See everything","confidence_score":0.3379635}]},{"text":"Now everything that I've kind of based the advice on, we were doing a bit of a portfolio update. But at the time, you were still kind of working through maternity leave on half pay through work.","start_word":506,"end_word":542,"intents":[{"intent":"Pay for placement","confidence_score":0.002661165}]},{"text":"Now everything that I've kind of based the advice on, we were doing a bit of a portfolio update. But at the time, you were still kind of working through maternity leave on half pay through work. I'm assuming the Centrelink maternity leave, that's kind of on its course now, or is that still there? No.","start_word":506,"end_word":561,"intents":[{"intent":"Get portfolio update","confidence_score":0.0040057753},{"intent":"Receive maternity leave","confidence_score":0.0034904082}]},{"text":"So congratulations on Yep. that. Thank you.","start_word":693,"end_word":699,"intents":[{"intent":"Congratulate on yep","confidence_score":0.39529657}]},{"text":"Now if you could pop back up for me to the scoping section on page three. I just wanted to make sure those details were still correct.","start_word":700,"end_word":726,"intents":[{"intent":"Confirm details","confidence_score":0.13130534}]},{"text":"We were just optimizing your investments as the main scope.","start_word":794,"end_word":803,"intents":[{"intent":"Optimize investments","confidence_score":0.7761382}]},{"text":"If you recall, we were going through and updating your beneficiary nominations and also recommending to put a will in place. Does that kinda Yes.","start_word":818,"end_word":842,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.13388929}]},{"text":"I don't think I've Now done it, I but don't, yeah. no, I don't think we've gotten those documents back. So I have sent a request through to the team to kind of refresh them because those beneficiaries, they update them every year. If you send through an on form, Yep. they may actually reject it. That's Yeah.","start_word":853,"end_word":910,"intents":[{"intent":"Refresh documents","confidence_score":0.61803466}]},{"text":"will It's gonna be website, have so we'll send yep. a web And a hard copy. yep.","start_word":929,"end_word":945,"intents":[{"intent":"Confirm website address","confidence_score":0.003310868}]},{"text":"And it will have a return envelope. Or do I need to do I need to send you the hard copy back? Then if you need There'll a wet always sign, be a there'll return always be envelope a return. on there. Okay.","start_word":948,"end_word":990,"intents":[{"intent":"Request return envelope","confidence_score":0.0012032418}]},{"text":"a nice Yep. little cover letter there just making sure that you get a witness properly and all that kind of thing. Yeah.","start_word":997,"end_word":1019,"intents":[{"intent":"Provide witness","confidence_score":0.16131437}]},{"text":"any big changes with the house value and mortgage at this point. I know it will be a little bit different. Perfect.","start_word":1444,"end_word":1465,"intents":[{"intent":"Check state of house value and mortgage","confidence_score":0.000013910279}]},{"text":"Specific valuation. I just expect it would have gone up a bit just both through what I've done and just the house prices in this area rising. And do you want some milk or not? Yeah.","start_word":1528,"end_word":1563,"intents":[{"intent":"Discuss potential valuations","confidence_score":0.00070550205}]},{"text":"And do you want some milk or not? Yeah.","start_word":1555,"end_word":1563,"intents":[{"intent":"Discuss potential tax increases","confidence_score":0.04251095}]},{"text":"We're not doing any Yep. debt management advice, and we're not trying to get investment properties, so that's okay. Yep.","start_word":1615,"end_word":1634,"intents":[{"intent":"Discuss potential investment properties","confidence_score":0.117322035}]},{"text":"The next couple of pages just goes through your growth risk profile, which is that kind of four out of five on the risk scale.","start_word":1635,"end_word":1659,"intents":[{"intent":"Discuss growth risk profile","confidence_score":0.34705207}]},{"text":"If you recall, we're Yep. kind of aiming for around about 80% of your super in growth assets. There's Yep. property gold, that kind of thing. So if you go down, the strategy recommendations on 12 is to obviously keep net wealth in place, rebalance a few options, and keep the contributions going there when they do come through from work, whether that's your current employer or the next one. Yep.","start_word":1660,"end_word":1730,"intents":[{"intent":"Clarify strategy recommendations","confidence_score":0.0039630407}]},{"text":"There's a list of kind of advantages and disadvantages in the table on page thirteen and fourteen.","start_word":1815,"end_word":1831,"intents":[{"intent":"Provide information","confidence_score":0.0030326794},{"intent":"Address concerns","confidence_score":0.0017855901},{"intent":"Explain benefits","confidence_score":0.06455872},{"intent":"Explain benefits","confidence_score":0.016442545}]},{"text":"The main thing here is that we're just switching out some of the underperforming options, Mainly, the second one in the road, which is the better long concentrated equities, Yeah.","start_word":2106,"end_word":2135,"intents":[{"intent":"Replace underperforming options","confidence_score":0.11163176}]},{"text":"The other options, I won't go too much in-depth there, but we've we've kind of with the investment committee moved away from some of the kind of European and Japanese markets, a little bit more waiting towards the American and other international fees as well. There's a few extra options that I'm kind of rebalancing. The main one was just getting rid of that better option. Yep.","start_word":2192,"end_word":2258,"intents":[{"intent":"Rebalancing investment fees","confidence_score":0.09313814}]},{"text":"And the main thing to point out here is that for a growth risk profile, you kind of want between 80 to 85% growth assets. You're currently at 85. The new portfolio kind of sits at about eighty, eighty one. So nothing significantly different there. They're both in line with the. K.","start_word":2278,"end_word":2329,"intents":[{"intent":"Discuss growth risk profile","confidence_score":0.02957057}]},{"text":"So what's that fixed interest making? Just out of interest as a sort of a baseline of, I assume, that's that's more the sort of security portion. Correct.","start_word":2330,"end_word":2357,"intents":[{"intent":"Discuss fixed interest making","confidence_score":0.48272386},{"intent":"Discuss fixed interest making","confidence_score":0.69914514}]},{"text":"Just out of interest as a sort of a baseline of, I assume, that's that's more the sort of security portion. Correct.","start_word":2336,"end_word":2357,"intents":[{"intent":"Discuss fixed interest making targets","confidence_score":0.0073782485}]},{"text":"it out, Perfect. I think we're aiming for roundabout 9% on average. But if you go down to the next page, I've kind of given you a bit of an idea on the last five years averaged out. And Okay.","start_word":2442,"end_word":2481,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.00947057}]},{"text":"Is this a is this a projection table, or is this Oh, this is just a straight performance comparison going backwards over going one, three, five, and ten years. Based on what what is invested or so what's the recommended column for there? Gotcha.","start_word":2774,"end_word":2817,"intents":[{"intent":"Discuss performance comparisons","confidence_score":0.00043507296},{"intent":"Provide projection table","confidence_score":0.0014828681}]},{"text":"So the current column is basically all the options that you've currently got with their current ratings, and the recommended Yeah.","start_word":2817,"end_word":2837,"intents":[{"intent":"Compare options","confidence_score":0.059914265},{"intent":"Compare options","confidence_score":0.09749562},{"intent":"Discuss options","confidence_score":0.02111486}]},{"text":"that's pretty much it for the superannuation side of it because it's just the rebalance from growth to growth. Everything Yep.","start_word":2956,"end_word":2976,"intents":[{"intent":"Discuss superannuation rebalancing","confidence_score":0.00044700498}]},{"text":"And, again, like I said, we'll send it through the hard copy with the return envelope, and it'll have a cover letter explaining how to do it. If you have any questions, just call the team. They can walk you through it over the phone. Sure.","start_word":3054,"end_word":3099,"intents":[{"intent":"Request cover letter","confidence_score":0.000947008},{"intent":"Discuss cover letter","confidence_score":0.017600149}]},{"text":"So can you can you just I know this is not strictly part of this call. This is not my regular annual annual review, but can you just give me a a basic summary of what the performance has looked like over the last twelve months?","start_word":3100,"end_word":3145,"intents":[{"intent":"Request performance summary","confidence_score":0.000751445},{"intent":"Provide overview of performance.","confidence_score":0.0000022598367}]},{"text":"But then I'm not sort of seeing that broken down by, like, what what did my employee employee contributions versus the growth of, you know, the investments, if that makes sense. So I'm sort of like, it's hard to see how well it's performing, like, taking into account that some of it is just those contributions, if you if that makes sense. Yeah.","start_word":3173,"end_word":3235,"intents":[{"intent":"Analyze asset performance","confidence_score":0.015615077}]},{"text":"So what exactly is I'm sorry, Maggie. What exactly is like, they're they're sort of portfolios that are just collections of, you know, of different sort of types of investment. Is that, like, broadly what these are? Yes. Correct.","start_word":3776,"end_word":3814,"intents":[{"intent":"Inquire about portfolios","confidence_score":0.0027916944}]},{"text":"So each one's split into a different asset class, like the Bed Along was buying Australian shares. You've got the gold ETF, which literally just tracked the gold price. You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on. So they're essentially just a fund that buys a collection of shares or properties or different assets.","start_word":3816,"end_word":3884,"intents":[{"intent":"Discuss fund types","confidence_score":0.013092244}]},{"text":"yeah, it will show you fees, performance, asset allocation, and objectives, and that's kind of our starting point when we review the option. Yes.","start_word":4165,"end_word":4188,"intents":[{"intent":"Review options","confidence_score":0.04058433},{"intent":"Show website","confidence_score":0.05406973},{"intent":"Discuss financial management decisions","confidence_score":0.00065190747}]},{"text":"So it's kind of trying to compete with the 300 companies in Australia. It's Mhmm.","start_word":4358,"end_word":4372,"intents":[{"intent":"Compete with companies in australia","confidence_score":0.09229282},{"intent":"Comparing portfolios","confidence_score":0.00076465483}]},{"text":"Now that's the most bare bones kind of comparison. We went a little bit more in-depth with it in the investment committee actually did a full review of that one fund manager.","start_word":4816,"end_word":4847,"intents":[{"intent":"Analyze fund performance","confidence_score":0.34865537}]},{"text":"there's a few factors again, indicators where you go, this one's actually a critical need to reflect. So, Yeah.","start_word":5067,"end_word":5085,"intents":[{"intent":"Reflect decisions well","confidence_score":8.2368274e-7}]},{"text":"for most people, trying to get a good average return that's a couple of percent above what they were doing before, that gets an extra few 100,000 in retirement.","start_word":5171,"end_word":5199,"intents":[{"intent":"Discussing retirement benefits","confidence_score":0.012649841}]},{"text":"And that's you know, some people are looking for that. They want you to buy and sell on a daily basis and try and make them rich overnight. That's just not our philosophy when it comes to superimitable No. time.","start_word":5250,"end_word":5289,"intents":[{"intent":"Discussing personal finance plans","confidence_score":1.7395494e-7}]},{"text":"That's pretty much everything for this advice document. Again, I'll send out those beneficiaries to you. Yeah.","start_word":5310,"end_word":5326,"intents":[{"intent":"Providing advice on making investment decisions","confidence_score":0.000004151377},{"intent":"Giving advice on review process","confidence_score":0.002720005}]},{"text":"Now for your next annual review, do you want Yep. me to pencil you in for some quarterly catch ups this year, or should we just wait until that review to see if you kind of had some significant changes at that point?","start_word":5349,"end_word":5391,"intents":[{"intent":"Discussing quarterly review","confidence_score":0.07937175},{"intent":"Discussing future review plan","confidence_score":0.0053003365}]}]},"sentiments":{"segments":[{"text":"Hello. Sarah speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.046097978949546814},{"text":"Good morning, Sarah.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3554588258266449},{"text":"It's Tommy here, senior adviser from. How are you? How have you been?","start_word":6,"end_word":18,"sentiment":"neutral","sentiment_score":0.23044751584529877},{"text":"Oh, good. Thanks.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.42409420013427734},{"text":"How are you?","start_word":22,"end_word":24,"sentiment":"neutral","sentiment_score":0.3132399022579193},{"text":"Doing fantastic.","start_word":25,"end_word":26,"sentiment":"positive","sentiment_score":0.6522995233535767},{"text":"Sorry.","start_word":27,"end_word":27,"sentiment":"neutral","sentiment_score":-0.2627149522304535},{"text":"I'm a bit cocky today. Everyone's gone down with a bit of a flu, Oh, so please that's okay.","start_word":28,"end_word":46,"sentiment":"negative","sentiment_score":-0.41210800409317017},{"text":"excuse me. Now before I jump in, I've sent through a updated statement of advice, and I'm just wondering if you're okay to go through the usual security checks in place. Yeah. That's fine. No worries. Are you okay for the call to be recorded for training and quality Yes. purposes? That's fine.","start_word":47,"end_word":99,"sentiment":"neutral","sentiment_score":-0.015127799473702908},{"text":"Awesome.","start_word":100,"end_word":100,"sentiment":"positive","sentiment_score":0.42224493622779846},{"text":"And we don't have a security question on the file. Are you okay to confirm your date of birth and address, please? Second is the 889 And 18 Arvaterra, Savendale Heights Perfect.","start_word":101,"end_word":132,"sentiment":"neutral","sentiment_score":0.09795720130205154},{"text":"Thank you so much, Sarah.","start_word":133,"end_word":137,"sentiment":"positive","sentiment_score":0.5323691368103027},{"text":"Now I've popped that through. It should be either in your main inbox or in your three spam box to your Gmail zero account. If you could just check that two for me, please. four. Just a sec. So I haven't been No getting worries. reminders when I'm meant to be getting a call as well, by the way. So I'm always I'm never sort of I'm fine to talk, but I always forget that I've got it on, and I'm never It's sort of a bit of a surprise. prepare. Yeah. That's no worries. I'll I'll check your system in our CRM and make sure we've got the the text Yeah. reminders. Thanks. So that way, it should text Never you through seem to get them. back two hours before Yeah. I will have a look see. Yep. I've got them. I've got two emails from you. Perfect. Just can you let me know the subject names of that email, please? Okay. Financial signature request statement of advice, Sarah Dart, and the same. Perfect. Okay. So either one should be okay. Yep. Seems to have done a bit of a double up. Now with the statement of advice, so I've actually attached it as an attachment to the email. So because it is like a like a doc DocuSign type system, there's a link there to actually go through and sign the Yep. document. But I just want you to open up the statement of advice with that lovely forest background if you can. And what you should see on that one, there's two there that say statement of advice. One is it's got like a beachfront setting, and it should Yep. say perfect. Yep. Alright. Now are you are you able to see everything? Is it nice and clear? It hasn't gone on blurry or small for you? No.","start_word":138,"end_word":448,"sentiment":"neutral","sentiment_score":0.04295284867622078},{"text":"It's it's fun. Perfect.","start_word":449,"end_word":452,"sentiment":"positive","sentiment_score":0.4728223979473114},{"text":"Alrighty. Now just before I jump in, can you please go to page let's go to your details on page eight. There's an about you section on page eight. Now it should be kind of like nine on the software, eight on the footer of the document. Yep. Yeah. I got it.","start_word":453,"end_word":504,"sentiment":"neutral","sentiment_score":0.06589481979608536},{"text":"Perfect.","start_word":505,"end_word":505,"sentiment":"positive","sentiment_score":0.3598710596561432},{"text":"Now everything that I've kind of based the advice on, we were doing a bit of a portfolio update. But at the time, you were still kind of working through maternity leave on half pay through work. I'm assuming the Centrelink maternity leave, that's kind of on its course now, or is that still there? No. I'm still on that. So I was on my work leave until November. That's So right. I can't remember when this one is due to expire, but I'm still on it for just a little bit. Perfect. So outside of that, nothing really significant has changed. It's still just kind of going through, looking after the kids on maternity leave. Nothing else has changed since New Year. No. I'm back like, I'm at I'm at on placement for uni now, but I'm not paid for that. So Oh, nice. I don't so you can just important from a financial perspective, I guess, but anything I think that's changed, really.","start_word":506,"end_word":670,"sentiment":"neutral","sentiment_score":-0.023417115211486816},{"text":"Awesome.","start_word":671,"end_word":671,"sentiment":"positive","sentiment_score":0.4195303916931152},{"text":"So it won't really impact the advice, but I will note down on your file that you started the placement.","start_word":672,"end_word":691,"sentiment":"neutral","sentiment_score":0.1852557361125946},{"text":"So congratulations on Yep. that. Thank you. Awesome.","start_word":692,"end_word":699,"sentiment":"positive","sentiment_score":0.6921715140342712},{"text":"Now if you could pop back up for me to the scoping section on page three. I just wanted to make sure those details were still correct. So just go through the Yep. scope of advice with you. So the main thing that we were doing is on your Netwealth account, when we had that review, everything was looking pretty good performance wise.","start_word":700,"end_word":762,"sentiment":"neutral","sentiment_score":0.22232969105243683},{"text":"The platform was good, has all the bells and whistles and features.","start_word":763,"end_word":774,"sentiment":"positive","sentiment_score":0.5120667219161987},{"text":"No real significant changes to net Yep. wealth. They Yep. haven't up their fees or anything. It's nothing crazy. We were just optimizing your investments as the main scope. The other main area that's actually pretty important for you is the estate planning. If you recall, we were going through and updating your beneficiary nominations and also recommending to put a will in place. Does that kinda Yes. ring a bell? Yeah. Yeah. Yep. Yep. It does. Awesome. I don't think I've Now done it, I but don't, yeah. no, I don't think we've gotten those documents back. So I have sent a request through to the team to kind of refresh them because those beneficiaries, they update them every year. If you send through an on form, Yep. they may actually reject it. That's Yeah. all. Okay. No. Great. Thanks. And that was a hard copy that you're sending me, and it Yes. will It's gonna be website, have so we'll send yep. a web And a hard copy. yep. Okay. Yep. And it will have a return envelope. Or do I need to do I need to send you the hard copy back? Then if you need There'll a wet always sign, be a there'll return always be envelope a return. on there. Okay. Yep. Yep. We'll Okay. have Cool.","start_word":775,"end_word":996,"sentiment":"neutral","sentiment_score":0.03292103111743927},{"text":"a nice Yep.","start_word":997,"end_word":999,"sentiment":"positive","sentiment_score":0.35319703817367554},{"text":"little cover letter there just making sure that you get a witness properly and all that kind of thing. Yeah. Okay. No problem. I can do that.","start_word":1000,"end_word":1026,"sentiment":"neutral","sentiment_score":0.14087899029254913},{"text":"Perfect.","start_word":1027,"end_word":1027,"sentiment":"positive","sentiment_score":0.5275689959526062},{"text":"So that two thirds of this document actually talks about the estate planning, but the sum of it basically is we wanted to make sure those provisions for both children. Yep. So we want to put the superannuation aimed at your estate through a legal personal representative nomination. That way, when you put a will in place, you can kind of distribute it out to the children, and it's a bit more flexibility. Like, you can set up even a trust fund that triggers all that kind of thing. Yep. Yep.","start_word":1028,"end_word":1118,"sentiment":"neutral","sentiment_score":0.1596558541059494},{"text":"Perfect.","start_word":1119,"end_word":1119,"sentiment":"positive","sentiment_score":0.41637760400772095},{"text":"For the investments sorry. For what we're not considering, on the next page, I've just put there the scope of advice not considered. Can you see that page on page four? Sorry. I'm just bringing it back up. Yep. Got it. Yep. So the things that we're sort of not doing in this advice piece is everything to do with the future goals for the super. So one of the things that we're talking about is that once you've kind of gone back to, like, finish the studying, finish maternity leave, We may look at taking on a bit more risk in the super, but at this point, we just wanted to keep everything kind of steady shift. Yep. Yep. Sure. And then long term, we haven't factored in, like, a specific retirement amount because, obviously, retirement's so far away, so many variables that when you get closer to that point, we'll find a good form.","start_word":1120,"end_word":1275,"sentiment":"neutral","sentiment_score":-0.018983522430062297},{"text":"Awesome.","start_word":1276,"end_word":1276,"sentiment":"positive","sentiment_score":0.4263264536857605},{"text":"Yeah. And that's fine. And I think I've mentioned before as well, there's sort of a fairly significant, like, yeah, you can, Maggie, like, family estate that I'll be sort of accessing. But then anyway, so I'm not yeah. I'm more just sort of yeah. I I guess I'm not concerned about a specific retirement fund goal. It's more just sort of managing my wealth in a responsible way. Yeah. Absolutely. And that's why on the next page, I've just put the insurances as out of scope because Oh, we weren't yes. looking That's to right. get any Yeah. insurances at the time. We looked at One some moment. trauma cover. You have Yep. enough family assistance to draw down on. Yeah. No need to get Yep. insurance in the box. Yep.","start_word":1277,"end_word":1408,"sentiment":"neutral","sentiment_score":0.010408069324595008},{"text":"Exactly. Perfect.","start_word":1409,"end_word":1410,"sentiment":"positive","sentiment_score":0.5220867991447449},{"text":"So the main Yep. sections to go through, if you wanna just flip through the document with me, page nine has your current situation. I just wanna make sure there hasn't been No. any big changes with the house value and mortgage at this point. I know it will be a little bit different. Perfect. Yeah. I mean, like, I I would say my car at this point is probably more 20 than 25. Yep. The house, like, I mean, no significant changes. Nothing really. But, like, I I would say it's probably worth more than that now, but I also, like, just don't know. I just haven't No specific done any valuation. re no. Yeah. No. Specific valuation. I just expect it would have gone up a bit just both through what I've done and just the house prices in this area rising. And do you want some milk or not? Yeah. Sorry. But I haven't had it valued, so it's sort of up to you. I don't know how important that is to update, or it's better to just leave it as is without a Yeah. specific sort of trigger to change it. Yeah. I'll I'll keep it as is for now. We're not doing any Yep. debt management advice, and we're not trying to get investment properties, so that's okay. Yep. The next couple of pages just goes through your growth risk profile, which is that kind of four out of five on the risk scale. If you recall, we're Yep. kind of aiming for around about 80% of your super in growth assets. There's Yep. property gold, that kind of thing. So if you go down, the strategy recommendations on 12 is to obviously keep net wealth in place, rebalance a few options, and keep the contributions going there when they do come through from work, whether that's your current employer or the next one. Yep. Yeah. So Now I won't have yeah. I won't be I won't have any contributions for a little while. So, yeah, I guess that that's sort of an important factor for next year. Yeah. And that was one of the main things is we just wanna make sure so we can kind of pull it out of weight with the growth for the time being Yes. even if Yeah. that's just Yep. for the next twelve to twenty four months. Yep. Yep.","start_word":1411,"end_word":1812,"sentiment":"neutral","sentiment_score":-0.016305912397245863},{"text":"Definitely. Perfect.","start_word":1813,"end_word":1814,"sentiment":"positive","sentiment_score":0.6577410697937012},{"text":"There's a list of kind of advantages and disadvantages in the table on page thirteen and fourteen. The main thing is it kind of points out is that anytime we switch investments inside Super, Super pays like a a 15% tax rate as opposed to what you would pay personally. So investment growth is taxed at 15% if we switch investments as capital gains and all that kind of thing that we have to factor in as well as some brokerage fees to actually purchase the options themselves. Is that every time you sort of update, like, you know, manage my finances and move things around? So anytime, like, a contribution go in and they buy the investments, there's brokerage fees for ETFs. And if we do, like, sell half your portfolio and move it to different options, we have to factor in capital gains under the hood. It's something that's usually a bit more hidden in most super funds because they're price. But with Netwealth and a few wrap platforms, we actually have full control over, you know, offsetting gains and losses and that kind of thing. Yeah. Okay. I mean, I assume that you take that into account when you're signing whether the the move is worthwhile then. But, yeah, that's fine. I mean, yeah, as long Correct. as you're doing that, which seems pretty common sense. So that's fine. Yep. Absolutely.","start_word":1815,"end_word":2048,"sentiment":"neutral","sentiment_score":0.104445718228817},{"text":"If I wasn't doing that, I wouldn't be doing my job properly.","start_word":2049,"end_word":2060,"sentiment":"negative","sentiment_score":-0.4021093249320984},{"text":"That's for sure. So if you go down to that next page on 15, there's a lovely table with a huge amount of figures on there and a lot of red if you Okay. can just have Yep. a quick look at the investments. The main thing here is that we're just switching out some of the underperforming options, Mainly, the second one in the road, which is the better long concentrated equities, Yeah. Wow. that Okay. one's Yep. been that one's kind of been underperforming for a couple of years. So Yep. I'm replacing it like like for like with our Fendi. So Yep. lower Okay.","start_word":2061,"end_word":2167,"sentiment":"neutral","sentiment_score":0.047540134776418455},{"text":"investment fees, they've outperformed it one, three, five, and ten years. So it's just a straight up five step on that one.","start_word":2168,"end_word":2189,"sentiment":"positive","sentiment_score":0.4030778110027313},{"text":"Yes. Okay. The other options, I won't go too much in-depth there, but we've we've kind of with the investment committee moved away from some of the kind of European and Japanese markets, a little bit more waiting towards the American and other international fees as well. There's a few extra options that I'm kind of rebalancing. The main one was just getting rid of that better option. Yep. Sure. Okay. K. Your asset allocation on the next page, there should be a colored pie chart there. Mhmm. And the main thing to point out here is that for a growth risk profile, you kind of want between 80 to 85% growth assets. You're currently at 85. The new portfolio kind of sits at about eighty, eighty one. So nothing significantly different there. They're both in line with the. K. So what's that fixed interest making? Just out of interest as a sort of a baseline of, I assume, that's that's more the sort of security portion. Correct. What's what's that? It's just as a sort of a a reference point. What's that making roughly? So I don't know what the changes. fixed interest kind of aims for around about that four to 5%. Yep. Okay. Most of those options, they they do fluctuate, though. So some years Sure. it's two, some years it's seven, but Yep. four to five is the aim. Whereas your growth assets, they're all your double Yep. digits, 10, Yeah. 15, Correct. 20%. Yep. So averaging Okay.","start_word":2190,"end_word":2441,"sentiment":"neutral","sentiment_score":-0.018239751768608887},{"text":"it out, Perfect.","start_word":2442,"end_word":2444,"sentiment":"positive","sentiment_score":0.565502941608429},{"text":"I think we're aiming for roundabout 9% on average. But if you go down to the next page, I've kind of given you a bit of an idea on the last five years averaged out. And Okay. there should be Yep. a table there called fee comparison. So top right, I've factored in the capital gains tax for switching the options within Nasuva, which is 1,600. Mhmm. Mhmm. The investment fees are about $2.60 less per year, but the performance difference goes from 8.28% to 12.73 over the last five years. Right. So this is a comparison based on the changes that you're making rather than the overall summary. Is that correct? Yep. Correct. So that's based on switching the investment. Yep. Okay. Yep. So four Yep. point 45% projected increase based on that that's what you're projecting when you take into account the fees and costs and stuff? Correct. So that's four point Yeah. four five after all fees, taxes, and premiums, which is no insurance premiums. Yeah. And there's a bit of a projection able just below that, which Mhmm. gives you an indication of a five and ten years. If the markets continue the way they have been the last five years, this is kind of how it should look going forward. Of course, markets fluctuate, but that's a bit of an estimate for you. Mhmm. Okay. Sure.","start_word":2445,"end_word":2675,"sentiment":"neutral","sentiment_score":0.1199728101491928},{"text":"Looks Perfect.","start_word":2676,"end_word":2677,"sentiment":"positive","sentiment_score":0.45381462574005127},{"text":"The only last one there is the next table has all of the performance figures side by side over one, three, five, and ten years. And the only major issue good.","start_word":2678,"end_word":2708,"sentiment":"neutral","sentiment_score":0.02276962623000145},{"text":"that you have with the current option was because of that Benelon option weighted down, its twelve month performance was a bit flat compared to actually having some pretty significant growth.","start_word":2709,"end_word":2739,"sentiment":"negative","sentiment_score":-0.3721740841865539},{"text":"So if you can see that table label, the 02/18/2020 Mhmm. six, It just shows you the side by side. Right. So is this again so current and recommended. So reckon so sorry. Is this a is this a projection table, or is this Oh, this is just a straight performance comparison going backwards over going one, three, five, and ten years. Based on what what is invested or so what's the recommended column for there? Gotcha. So the current column is basically all the options that you've currently got with their current ratings, and the recommended Yeah. column is the options that we've recommended you to switch to. That is And oh, okay. So be this is their growth looking back over the past five, twelve, three, five, ten years. Is correct. that right? Yeah. Okay. Right. Okay. So this is still a a sort So of a the basis point, like, data to to sort of prompt me towards the change rather than looking back over overall performance. Is that right? yeah. So that is the I guess, with the seven or eight options that you've got and the seven or eight that we've recommended, if we actually average them out, that's how it would look going backwards. Yeah. Okay. Yep. Yep.","start_word":2740,"end_word":2953,"sentiment":"neutral","sentiment_score":0.02950664149231721},{"text":"So Cool.","start_word":2954,"end_word":2955,"sentiment":"positive","sentiment_score":0.4846734702587128},{"text":"that's pretty much it for the superannuation side of it because it's just the rebalance from growth to growth. Everything Yep. else in the rest of this document is your beneficiaries, will, and power of attorney all the way up until page 25, 26. I probably don't have to tell you why you should put in place a bill on the No. beneficiary I know. nomination. Yep. It comes fine, but all of that's in there as general information as well. That's fine. Yep. I just have to get around to doing it.","start_word":2956,"end_word":3048,"sentiment":"neutral","sentiment_score":0.1313832402229309},{"text":"Perfect.","start_word":3049,"end_word":3049,"sentiment":"positive","sentiment_score":0.39325612783432007},{"text":"No. That's all good. And, again, like I said, we'll send it through the hard copy with the return envelope, and it'll have a cover letter explaining how to do it. If you have any questions, just call the team. They can walk you through it over the phone. Sure. So can you can you just I know this is not strictly part of this call. This is not my regular annual annual review, but can you just give me a a basic summary of what the performance has looked like over the last twelve months? Like, accounting for Yeah.","start_word":3050,"end_word":3149,"sentiment":"neutral","sentiment_score":0.15692138254642488},{"text":"Absolutely.","start_word":3150,"end_word":3150,"sentiment":"positive","sentiment_score":0.43192875385284424},{"text":"my because I when I look at my super and I always go, oh, you know, it's growing really well.","start_word":3151,"end_word":3170,"sentiment":"neutral","sentiment_score":0.3159559965133667},{"text":"That's great.","start_word":3171,"end_word":3172,"sentiment":"positive","sentiment_score":0.6744486689567566},{"text":"But then I'm not sort of seeing that broken down by, like, what what did my employee employee contributions versus the growth of, you know, the investments, if that makes sense. So I'm sort of like, it's hard to see how well it's performing, like, taking into account that some of it is just those contributions, if you if that makes sense. Yeah. So Absolutely. if you I actually yeah. got a updated report generated this morning Alright. for you, Great. and I'll email that through separately to see you've got that there on file. Yep.","start_word":3173,"end_word":3268,"sentiment":"neutral","sentiment_score":0.039204735308885574},{"text":"Perfect. Awesome.","start_word":3269,"end_word":3270,"sentiment":"positive","sentiment_score":0.5164204835891724},{"text":"A bit of forewarning. It has actually dipped down quite a bit Okay. recently. Yep. All Yep. of the things that happened over Yep.","start_word":3271,"end_word":3294,"sentiment":"neutral","sentiment_score":-0.10957791656255722},{"text":"Christmas, everything's kind of going into negative.","start_word":3295,"end_word":3301,"sentiment":"negative","sentiment_score":-0.3423621952533722},{"text":"So it's probably a good time to be updating a few things for sure. Yeah. And is that aligned with just the the broader global markets? Or, like, how does that sort of fit with with the picture of what's been happening globally? Bit of both. So everything that's kind of happened with the Australian and international markets, that's reflected pretty well within the portfolio. So bit of a dip over Christmas. Obviously, Yep. gold prices went up $4.60 Yeah.","start_word":3302,"end_word":3381,"sentiment":"neutral","sentiment_score":-0.05747682601213455},{"text":"percent and they crashed a little bit.","start_word":3382,"end_word":3388,"sentiment":"negative","sentiment_score":-0.3409789502620697},{"text":"Yep. So that's Yep. kind of all over the shop. Yep. But that one option has kind of not been doing what the rest That's of been the Australian the market's been doing. okay. Yep. So that's been the big drag, Yeah.","start_word":3389,"end_word":3430,"sentiment":"neutral","sentiment_score":-0.18697358667850497},{"text":"and that's what you're getting rid of.","start_word":3431,"end_word":3437,"sentiment":"negative","sentiment_score":-0.34422680735588074},{"text":"Correct. So Okay. overall, it reflects pretty well side to side except for that one portion, and Yep. that one portion, I really just have to flag and get it. Yeah. Okay. So that just becomes a point of, at some point, cutting losses and getting rid of it rather than hoping it'll come back and just accepting the the fees and taxes that come along with that change. Is that sort of your decision making process point? Or We're halfway there. So with the selling of that option, because it's dropped down, the losses from that actually offset the gains for the other options that we're switching. So it actually, oddly enough, Oh, right. minimizes Of course. the capital Yeah. You gains wouldn't tax. you you wouldn't have capital gains on it if you've not made any capital. Yeah. Okay. Correct. Alright. So that Yeah.","start_word":3438,"end_word":3583,"sentiment":"neutral","sentiment_score":0.06498470361510368},{"text":"offsets So it's that a little bit, which is nice. definitely worth selling.","start_word":3584,"end_word":3596,"sentiment":"positive","sentiment_score":0.49125757813453674},{"text":"Yes. But on the flip side, normally, you keep an eye on for an option for a maximum of about two years. And Yep. with most options, they tend to like, if there's five different managers competing for Australian shares, they kind of jostle for position every year. Some of them are like the second best, third best, yada yada yada. With Yep. this one in particular, it's kind of split off from the past. Whereas everyone's kind of doing six Yep. to eight percent this year, it kind of dropped down 20%.","start_word":3597,"end_word":3689,"sentiment":"neutral","sentiment_score":-0.0588371604681015},{"text":"And it's like, why have they done that? They picked a few bad apples in, oddly enough, some companies linked to The UK, which had few news articles there where they have to owe people for overcharging, like airline fees and things like that.","start_word":3690,"end_word":3733,"sentiment":"negative","sentiment_score":-0.4190427362918854},{"text":"Okay. Okay. And then Yep. they've had some exits from their fund itself where most of their fund managers and professionals have actually left the fund. So this is one case where I don't think it will come back. Yeah. Okay. Yeah. So what exactly is I'm sorry, Maggie. What exactly is like, they're they're sort of portfolios that are just collections of, you know, of different sort of types of investment. Is that, like, broadly what these are? Yes. Correct. So each one's split into a different asset class, like the Bed Along was buying Australian shares. You've got the gold ETF, which literally just tracked the gold price. You've got the fixed interest tracking bonds and term deposits, and you've got some international shares tracking the American markets and so on. So they're essentially just a fund that buys a collection of shares or properties or different assets. And do they have a, like, a mandate of breach sort of one of these, like, the the Benelon one that you or whatever it's called that you're getting rid of? Do do they have does that have, like, a certain sort of mandate of, like, what type of shares those are? Like, you mentioned The UK shares. Is it, like or or are they just sort of each their own little portfolio like, their own sort of portfolio of what they think is gonna perform well with no, like, parameters? Oh, no. The former. So they've each got, like, an investment objective, Yep. and they have to invest within those parameters. So for example, if we one of the options you've got is, like, an s and p 500, which is which we just buy in the top 500 companies in The US. It can't deviate outside of those 500 companies. So what's the Bennelong one that you're getting rid of just out of interest? What what's So what's it their would broad normally mandate? buy so they buy Australian shares, so things like the ASX 200. But because it's a concentrated fund, they try and pick 20 or 30 out of that 200, and they've just been consistently picking them Yep. Right. Yeah. Okay. Okay.","start_word":3734,"end_word":4100,"sentiment":"neutral","sentiment_score":-0.029744126559907637},{"text":"That's good to know. Just interested.","start_word":4101,"end_word":4106,"sentiment":"positive","sentiment_score":0.4944952130317688},{"text":"up.","start_word":4107,"end_word":4107,"sentiment":"neutral","sentiment_score":0.25292593240737915},{"text":"Cool.","start_word":4108,"end_word":4108,"sentiment":"positive","sentiment_score":0.352524995803833},{"text":"Oh, and if you ever wanna read up on it, because that's kind of my weekend reading, is Yes. we include links to each fund's profile on the the Okay. appendix document that we've got Okay. attached. So if you ever wanna look at I what might have each a look. of them do, Yep. yeah, it will show you fees, performance, asset allocation, and objectives, and that's kind of our starting point when we review the option. Yes. I'll And have if a look. you do have a minute, did you wanna Google one with me now, or do you wanna have a look Sure. at it a little bit later? No. Let's let's have a Google. So every time I show people this, because this is something that we were talking about Christmas time, Yep. this is as as clear cut as you can possibly see. So if you hop on Google and actually Mhmm. type in Benelong concentrated with two n's. So it's b e, n n, e l o n g, so Bennelong, and then concentrated. Yep. Got it. So when you go on that website, I'll just kind of jump alongside you with it. If you Mhmm. go on that website, we've got it's orange. And if you scroll down, there's a few tabs down there called fund overview and performance. Yep. Yep. And so what you can sort of see is the benchmark is the s and p ASX 300 index. Yep. Yep. So it's kind of trying to compete with the 300 companies in Australia. It's Mhmm. got its fees there. And then the performance tab, that's probably the easiest one to see. January 31, you've got your one, three, five, and ten years. And Mhmm. Yes. oddly enough, back three, four years ago, they were the most awarded fund manager in the country and Okay.","start_word":4109,"end_word":4421,"sentiment":"neutral","sentiment_score":0.1021912312164855},{"text":"minus 21% in the last year, minus 2% per annum for three years, and whatever's happened the last few years has just completely So just destroyed sort the of fund had almost. some bad, yeah, really bad decision making and never looks of it. Or is that is that right, or is it just sort of the unpredictability?","start_word":4422,"end_word":4479,"sentiment":"negative","sentiment_score":-0.48371344804763794},{"text":"Like, would you say that that are you sort of quite critical then of of how they've managed their fund the last few years, or do these things just happen innocently? So most of the time, it just happens instantly, and that's why every year they kind of, like I was saying, jostle position on who's top, who's second. Yep. But this one, we're quite critical of because Yep. while the pack has kind of been following the market and doing well, they put off in a completely different direction for multiple years in a row and And haven't it been didn't able pay to bring off. it back, Yeah. Okay. and it didn't pay Yep. off.","start_word":4480,"end_word":4596,"sentiment":"neutral","sentiment_score":-0.19304926502398956},{"text":"So you're dumping them, basically.","start_word":4597,"end_word":4601,"sentiment":"negative","sentiment_score":-0.43580302596092224},{"text":"Now yeah. And then if you look at on Google again, you can just Yep. type in it's called Alfiniti with a p h, Australian share funds. And if you just go on their main website Mhmm. Yep. and under the, like, the performance tab at the top, you should be able to see there they've got the as Afiniti Australian share funds. Yep. And in Concentrated? that table Is compared it Aufiniti to this concentrated or no. The one above it. oh, Australian shit. Yeah. Okay. Yeah. I see. Yep. Yep. So it's the same index, the ASX 300 index. So it's it's in Yep. the same group of funds, Yep. but the one three five ten year performance kind of outstripped it, and it's actually managed to outperform the Australian market over this period too. Yeah. Okay. So that's sort of what Yes. what you want. Hey. So yeah. So if we've got this blend for you of a bit of passive, a bit of active, so it's mainly these low fee ETFs with a few funds that are actively managed that try to outperform the index. If you pay the slightly higher fees for those options, you want them to actually outperform the low fee option essentially. Yes. You do. Yep. Now that's the most bare bones kind of comparison. We went a little bit more in-depth with it in the investment committee actually did a full review of that one fund manager. And around Christmas time, we were like, no. This is pretty much a sell in almost every case. Okay. Yep. Okay. K. So that's kind of a bit of a broad look at it. Again, we've got some reports through research houses that go a lot more in-depth under the hood, but it's just a good starting point to see kind of why we're doing what we're doing. Yeah. No.","start_word":4602,"end_word":4917,"sentiment":"neutral","sentiment_score":0.1177439880144747},{"text":"That's that's great. Thank you for talking me through all of that. That's very useful to understand. I'm very happy with you guys.","start_word":4918,"end_word":4940,"sentiment":"positive","sentiment_score":0.6172857284545898},{"text":"You know? Like, I don't need I I don't wanna sort of get into the weeds of of things and have to take your advice because that's what I'm paying for. But I'm just it's interesting to know, like, when something is not performing, how like, why and how, you know, those sort of decisions are made and and what the solution is. So that's really Oh, good. yeah. Absolutely. And a lot of the time when we do annual reviews, people look at it obviously in that twelve month snapshot, and they're going, okay. Well, if this one's gone down a little bit, just get rid of it. And you go, okay. We've got to look a little bit more long term here. But Yeah. there's a few factors again, indicators where you go, this one's actually a critical need to reflect. So, Yeah. yeah, more than happy Well, it's to go all through a that gamble, with you. isn't it? And It's if it's you sorry. Sorry. What Go was that, on. Sarah? A bit of a gamble. I just was saying it's all it's a bit of gamble. You've gotta give something a chance. You can't just switch out every time something doesn't do very well. Yeah. That's right. And I guess what we're looking for when it comes to retirement is, like, consistency. Because Yeah.","start_word":4941,"end_word":5169,"sentiment":"neutral","sentiment_score":0.005401753820478916},{"text":"for most people, trying to get a good average return that's a couple of percent above what they were doing before, that gets an extra few 100,000 in retirement.","start_word":5170,"end_word":5198,"sentiment":"positive","sentiment_score":0.3535975515842438},{"text":"We're not trying to day trade people super Yep. and buy and sell this to get them Yeah. a four Exactly.","start_word":5199,"end_word":5219,"sentiment":"neutral","sentiment_score":0.1440170407295227},{"text":"100% return and make them Yep.","start_word":5220,"end_word":5225,"sentiment":"positive","sentiment_score":0.3422420620918274},{"text":"$2,000,000,000. We're just trying to get them from, you know, 700 thousand to 1,000,000 days you're comfortable. We need consistency. Yep. Yep. Yep.","start_word":5226,"end_word":5248,"sentiment":"neutral","sentiment_score":0.29211488366127014},{"text":"Absolutely.","start_word":5249,"end_word":5249,"sentiment":"positive","sentiment_score":0.3990966081619262},{"text":"And that's you know, some people are looking for that. They want you to buy and sell on a daily basis and try and make them rich overnight. That's just not our philosophy when it comes to superimitable No. time. Yeah. Okay.","start_word":5250,"end_word":5291,"sentiment":"neutral","sentiment_score":0.10716840624809264},{"text":"Great.","start_word":5292,"end_word":5292,"sentiment":"positive","sentiment_score":0.4134679436683655},{"text":"No.","start_word":5293,"end_word":5293,"sentiment":"neutral","sentiment_score":0.2697027325630188},{"text":"Thank you for that, Tommy. That was that was really useful. Cool.","start_word":5294,"end_word":5305,"sentiment":"positive","sentiment_score":0.518086314201355},{"text":"No worries at all. That's pretty much everything for this advice document. Again, I'll send out those beneficiaries to you. Yeah.","start_word":5306,"end_word":5326,"sentiment":"neutral","sentiment_score":0.26106247305870056},{"text":"Perfect.","start_word":5327,"end_word":5327,"sentiment":"positive","sentiment_score":0.4397103190422058},{"text":"And once we get that through, we'll do the investment switches, Yep. and that's pretty much it for the time being. Now for your next annual review, do you want Yep. me to pencil you in for some quarterly catch ups this year, or should we just wait until that review to see if you kind of had some significant changes at that point? Let's go let's just do the quarterly sorry, the annual review for now Yep. and and just decide from there, I think. Yeah.","start_word":5328,"end_word":5414,"sentiment":"neutral","sentiment_score":0.1163318082690239},{"text":"Perfect. Perfect.","start_word":5415,"end_word":5416,"sentiment":"positive","sentiment_score":0.3557458817958832},{"text":"So we will be speaking again this year, and I'll send that report through to you from NetWell. But Yep. when we do the next review, we'll kind of go over it'll probably be it'll be less than a year, of course, or really Yep. it's up to you. We can give it twelve months from now to see how it performs, or we can still catch up in six months' time at the normal review day. Let's just do the yeah. Let's let's do a normal review And, you know, I'm sort Yep. of I'd trust you to sort of manage it and see how it's going. And, yeah, I don't need to micromanage or know every step of what you're doing as long as you you know, I'm happy with your decision making process, so that's fine.","start_word":5417,"end_word":5555,"sentiment":"neutral","sentiment_score":0.16221920256134417},{"text":"Perfect.","start_word":5556,"end_word":5556,"sentiment":"positive","sentiment_score":0.7772310972213745},{"text":"So when we catch up at that time, I'll give you another updated report. We'll go through if there's been any changes with, you know, work and family and goals, and we'll just kinda see how it's tracked for that first quarter or two since we made the switches.","start_word":5557,"end_word":5605,"sentiment":"neutral","sentiment_score":0.29121699929237366},{"text":"Yep. Sounds good. Awesome, Sarah. Well, thank you very much for the time this morning.","start_word":5606,"end_word":5620,"sentiment":"positive","sentiment_score":0.72185879945755},{"text":"Any questions for me before I let you go? No. No. That's all that's all good.","start_word":5621,"end_word":5636,"sentiment":"neutral","sentiment_score":0.24581146240234375},{"text":"Thank you for taking the time. That's okay.","start_word":5637,"end_word":5644,"sentiment":"positive","sentiment_score":0.5808415412902832},{"text":"And I will double check and make sure you do get Yep. SMS reminders before I next catch up.","start_word":5645,"end_word":5663,"sentiment":"neutral","sentiment_score":0.24616023898124695},{"text":"Wonderful. Thank you. Thank you, Sarah. Have a fantastic weekend, and I'll talk Thanks. Tell me too.","start_word":5664,"end_word":5680,"sentiment":"positive","sentiment_score":0.7013334631919861},{"text":"Bye. to you soon. Bye.","start_word":5681,"end_word":5685,"sentiment":"neutral","sentiment_score":0.2093503326177597}],"average":{"sentiment":"neutral","sentiment_score":0.052209326310676984}}}}