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You were lot wanting to look at having a bit more maybe silver and gold in your portfolio. Is that right? Yep. Yeah. Absolutely. Sure is. Yeah. Is now still a good time for a bit of a cashier to have a chat about it? Yeah. Fantastic. Oh, Reese, before we jump sorry. You're alright. Oh, wow. Absolutely. No. Before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you, just to confirm your full name, date of birth, and address I should have on file? Beautiful. Thank you so much for that. So having a look at things, I've got your portfolio here in front of me. I know you did speak to Samantha about your annual review, and you mentioned you wanted to increase having a bit of physical gold and a bit of silver in there. With regard to your portfolio at the moment, you do have a bit of physical gold. You do have about 17% there. Are you just wanting to sort of look at maybe keeping the same amount of gold and adding a bit of silver in there and seeing what it can do for your portfolio, or you're kind of wanting to try and Mhmm. Yeah. Yes. So with the investments that we invest in with regards to gold and silver there, you are essentially buying into, like, we have what was it? Global x Physical Gold. So they hold gold gold bullion, and that is stored in, like, the essentially a bank within The U UK. Sorry. So you are buying into an investment that actually holds gold and silver as a physical item. In saying that gold and silver are both technically growth investments, so you are taking a bit more risk by having those. They do tend to get a lot of growth than they have done over the past. In saying that gold did in February drop about between 11 to 18% in one day as well. So while it has seen those good growth times, it can drop very heavily in the shorter periods of time. There's no income production out of them as well, so they're solely a growth asset. They don't sort of give any income that can be recompounded there. So there is definitely a place in the portfolio for both of those assets. They can work defensively at certain times as well where we're sort of seeing at the moment and have seen in the past by with markets going up and down when equities aren't, you know, performing as well or having a bit of a hard time, people tend to move money into those sorts of resources as a bit of a safe haven. So they both can work quite defensively in that nature as well. But if you wanted to, I could look at maybe structuring the portfolio, looking at you know, keeping your weighting about right, but maybe adding a bit of silver in there for you to see if we can, you know, what it might look like and how it might help you. So are you open to me just sort of looking at the options and maybe making a recommendation then? Yep. Yeah. Yeah. Yep. No. So we're within your sofa, we can only purchase, like, into ETFs, but I can have a look at a few options and maybe send you an email for purchasing it, like, out by the super and how you would have to do that. Yeah. Yeah. You'd need to make sure you're storing it correctly as well. So making sure it's stored securely. Yeah. Okay. Perfect. So I'll store it. Mhmm. Correct. Yeah. And you can't actually withdraw money from super to be able to purchase investments like that in your own name until you kinda hit that preservation agent turn 60 and stop and retire permanently. The only other way you'd be able to do that is to set up a self managed super fund. But in that way, you need to make sure it's an arm's length transaction to have it, you know, follow the directions that you are still in the super system. It's just that it's a more costly way of being able to buy it. So that makes different funds a lot more risky. Yeah. Yes. Yeah. Correct. And they're a lot more expensive as well, and you take a little bit more risk in regards that. So with the way your super structured at the moment, in hub twenty four, hub twenty four are the trustee. They look after majority of things, and they do the tax returns and things like that for you, have the orders complete completed on your super fund. Whereas if you're under a super fund, you become the trustee in whatever structure you choose to open it in, which means that you're ultimately responsible for following the rules, making sure your tax returns are done, getting the fund audited on a regular basis. It's a lot more work and a lot more costly. So having purchasing a bit of gold or silver in your own name is absolutely fine. Just maybe finding the funds elsewhere to do that. But, yeah, like, within WindSuper, I'm happy to maybe add a little bit silver in there. I am looking at your other investment here, the Bannalong Australian Equities. I know when you spoke to Samantha, she kinda did your annual review and ran you through what was happening there. Bannalong, your Australian equity portion is down pretty heavily at the moment. And as a business, we have kind of reviewed that investment option and have decided to remove that out of the portfolio. So if you like, I could go back, maybe readjust the portfolio, look at adding a bit of physical silver in there for you. I can look at whether holding the right same amount of gold is gonna be suitable. I'd rather not try to sort of sell that if we don't have to. And then we can look at maybe replacing the Ben along Australian equities as well and maybe utilizing the loss that it has been to offset any gains or change in the investment structure. Does that sound like something you're looking to me doing? Yep. Yeah. Yeah. Well, that's definitely why we wanna sort of move that. Unfortunately, in the last few months, one of the underlyings within Bennelong hasn't been performing correctly or doing as well. Unfortunately, Bennelong haven't also taken the steps to reevaluate their underlying investments very much. So as an actively managed fund, it's not very actively managed and has unfortunately been underperforming. So we do wanna take the steps to remove that out of everyone's portfolio and put something in its place that hasn't underperformed the way it has. We are sort of removing the active managed funds and looking at something more passively managed, a bit more low cost in your super as well because reducing fees is always a big part of it. But if you like, I can go back. I can look at the removing banner long, look at what to put in this place, make sure that the performance has been there to kinda show what it can do moving forward for you, add a bit of silver in there for you and sort of keep maybe look at doing a rebalance on your super as well to make sure you are invested in line with things correctly. Absolutely. Just wanna make you're right. I just wanna make sure that you are kind of also invested there correctly. So you do have a good amount of gold in there at the moment. So I can look at whether keeping some of that in there and retaining that level. There is a limit on how much of physical gold and silver because they are technically alternative assets. So Hub 24 does have a maximum limit that you can have in there. So I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time. And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board. Does that sound okay with you? Yep. That's okay. Yeah. Yeah. Of course. Understandable. And that's the other thing I sorta wanted to look at with you is because we know investment markets are gonna go up and down. There's not gonna be you know, there are gonna be points where maybe some of the investments aren't performing, and it's not because of the investment itself. It's more because of the market as a whole. And, like, if your superhero isn't performing, it's gonna be because the market as a whole isn't performing correctly, and that's gonna be something outside of our control. So it's about making sure you're invested throughout those downtimes that you're able to go through those points where the market might not be working very well, where investors are drawing large sums of money out, so you're seeing a downtime. Taking advantage of those downtimes as well, allowing your contributions to keep going in so that you're buying into those discounted rates. They always say buy low, sell high. Well, when the markets are down, that's your chance to buy in low. So keeping your contributions going into those downtimes, you buy into the investments at the discounted rate. And as the market comes out, as your portfolio recovers from those downtimes, you actually make a lot more in the way of gains because you you've lowered your buy in price to those investments, and you can actually get greater growth by doing that. So what I probably wanna have a look at doing is just sort of checking to make sure you are invested in the right portfolio as well. I'm just having a look to see what investment portfolio you're in at the moment. Sorry. Won't be one second. My computer's a little bit slow again this afternoon. I work it hard. I tell you what. Technology can be fun when it wants to work. I'm just gonna have a look here at your last advice document. It looks like we haven't kinda made any changes since that one was provided. So that was back in 2023 there. Yeah. Yeah. No. It absolutely has. You've done really well. We just wanna make sure it kinda keeps working really well. And with what's happening at the moment, there is an expectation of volatility, so we are gonna see those ups and downs. Yeah. Yeah. Yeah. Yes. Absolutely. Most definitely. And one of the biggest things to remember is when it comes to investments, the biggest effect the biggest factor affecting it is human emotion. So when you're seeing lots of people pulling money out and drawing, it's because they've heard something that's making them feel emotional about what's gonna happen, and they're technically causing the downtime. They're starting to sell out or to jump out of a certain investment, which is then the on flow effect. Other people see it dropping, and they wanna move money as well. So that's essentially, human emotion is the biggest factor to rely on when we are looking at investment markets and the way they go. The biggest thing we can do, and it's the hardest thing, is to remove that emotion and remember that what you're invested in has been around for a long time. It has seen those ups and downs, and we'll continue to withstand those ups and downs as long as you're comfortable with staying through those down times and not selling emotionally. And that can be the hardest thing is removing that emotion and thinking logically about the investments and what you're invested in. But if you can do that, you can benefit greatly from from the ups and the downtime. Yeah. Mhmm. Yep. Yeah. Yeah. No. That's okay. Well, you've done well with you. And watching it can be one of the biggest emotional things. I've got, you know, friends and and clients who look at things on a regular basis, and they get really nervous when they see things dropping or going down, and it can be quite nerve wracking. So the best thing is to not look at it every day. Maybe look at it once every couple of weeks or every couple of months and just kind of be comfortable with what you're investing in. But, also, just not investing anything that has that's too risky, too speculative, that hasn't been around for a long time and got a track record as well, if that makes sense. Yep. Absolutely. Yeah. Absolutely. Yeah. Yeah. Can be a bit of an emotional roller coaster at times. Yeah. No. That's completely understandable. That's all good. Well, I'll definitely work hard at trying to help you get to that point, making sure we do our reviews and catch ups and making sure that we give you those updates so you can be on track. Having a look at things now, you're 38 this year. Do you know what age I know I had here when you came on board originally, you were hoping to maybe access super at about age 67. Is that kinda still your goal, age, or do you think you'd wanna access it earlier at this point? That's okay. I hear you. I hear you. No. That's okay. That's not a problem, Adele. Look. At the moment, what I'd be doing is updating things on a regular basis anyway. So when we look at updating the advice, I I know Wendy came on board originally. The advice document will sort of show you what the expectation was right up into age 67, but because there are so many factors at place, so many things in your life that can change, and being as you are only 38 this year sorry. I'd be looking to update the advice and maybe look at the next ten years and just keep updating things to keep you on track along the way. I don't really like the idea of showing you, you know, the next thirty years of what the market reaction expectations might be like because there's too many variables that can change in that instance. So we'll start with something smaller. We'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track. Does that sound okay? Beautiful. Absolutely. Absolutely. Absolutely. No. Not a problem. I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time. Oh, dear. I actually said to my husband, I've got a our son's old scooter out in the backyard. He can learn the scooter to work. Yeah. Absolutely. No. Definitely. The next thing I kinda wanna just just sorta gauge on for you is I know you sorta said you're not overly sorta stressed about things. You have a longer time horizon ahead of you. But when you do sort of see your super balance fall due to, you know, external market factors, does it sort of worry you in any way? Are you feeling a bit concerned, or you're sort of not worried knowing that you do have a, you know, until 60 ahead of you before you're able to access sleep at this point? Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Perfect. Perfect. Do you think when it comes to sort of market jobs, you'd be more inclined to sort of hold and wait, less inclined to make emotional decisions, and maybe more comfortable calling us? Or do you think you'd be looking at there's a buying opportunity and trying to put more money in? How do you think drops might sort of make you feel or start to react? Yep. Yeah. You do so? Yeah. Yep. I, yeah, yeah, yeah, Yep. Yeah. Perfect. So you'd be looking for more guidance on how to react in those scenarios. Yeah. Perfect. All good. And have you yeah. No. That's okay. That's perfect. It's a really good reaction. And the last one here is have you ever thought about taking a loan? Have you ever considered borrowing funds in order to invest in shares or managed funds, or do you think that's probably a bit too risky? Yep. Yeah. Yeah. Perfect. Do you have any you're right. Sorry. Yep. Yep. Yep. Yeah. No. That's that's a that's a good way to look at it. That's perfect. And do you have any goals to buy investment properties in the future, or are you happy just sort of trying to pay down your current mortgage as much as possible? What's your other goals moving forward? Yeah. Okay. Perfect. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Perfect. No. Excellent. Well, I've just sort of done the risk profile questionnaire with you to kinda gauge where your risk level is sitting, where your tolerance is, and what sort of portfolio you should be in. Essentially, having a look at that, you actually have scored there as a growth investor, and you are in kind of that growth environment at the moment. So you generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed properties, and commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest there. The growth environment suits someone who has at least six years to be invested. They're not wanting to access their money for about six years at a minimum. You're averaging or trying to get the expected average returns of about seven to 9% on a yearly basis compounding. And with this sort of portfolio, the likelihood of a negative return is expected sort of one in every five years. Do you feel like this sort of environment sort of suits you realistically from everything you've told me? The growth portfolio still suits your risk capacity quite comfortably, but are you comfortable remaining in that sort of portfolio? Yeah. Absolutely. Yeah. Yep. That's perfect. Abs absolutely. Well, I'm looking at the the portfolio you're in, and everything has been performing really well. So when I look at how all the individual investments have been performing, everything is up except for that ban along there. So as it is a business decision to kinda remove that it is underperforming, it's time to get that out of there. Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing. And I've had a really good look around at what we're sort of expecting. So one of the good ways to sort of understand and look at whether, you know, what we're expecting around about volatility is looking at the VIX index that kind of looks at the markets, how things are reacting, but sort of tracks and shows are we expecting, you know, over the next sort of thirty odd days or so, volatile times around of the S and P 500. Because most things follow suit in The US market. And that has sort of been over about 20% for the last sort of five to six days that I can see here, which kinda shows that we are expecting that volatility within the markets over the next month. The VIX index goes up pretty heavily on a regular basis, and it's it's gone up and been fluctuating pretty drastically. But, generally, when the VIX index shows you less than 20%, it's sort of showing that the market's expected to be fairly stable, whereas anything over 20% is showing that it's expecting volatility within the market there. So this has been showing over the 20% for at least the last five to six days, and I kind of look at that every now, see what it is doing. So we do expect those volatile times to stay. But in saying that this growth portfolio suits where you're at, it suits your time horizon. We can take advantage of those downtimes. And whilst we wanna get rid of that along at the moment, we can look at rebalancing your portfolio. We can look at adding a bit of silver in there, and we can also just look at, you know, offsetting any capital gains within the fund by the fact that Bennelong is down a little bit there. So we can utilize that to our advantage. And if you're comfortable, I'll go back and do the research for you. I'll update the recommendations, adding a bills adding a bit of silver for you as per your preference. And then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you. How does that sound, Rhys? Yep. Perfect. All good. Is there any sort of changes? I know Samantha did a bit of a review there with you. One of your goals moving forward was trying to reduce the mortgage as much as possible. You're hoping to reduce it by at least 50 k. Is there any kind of time horizon you're looking to try and reduce your mortgage by, or is it just trying to pay it down as quickly as possible? I hope not. We've already have one. Yeah. Yeah. I know. I've looked at what they're saying as well. The it's it's funny. It's everything's very subjective. And when you sort of look and talk to the different economists, they sort of say different things. They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right. We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out there. Absolutely. Absolutely. Yeah. Absolutely. I do agree with you. Yeah. No. That's okay. That's not an issue. I sort of like the variable as much as the rate go up and down. Having a variable contract allows you to pay extra under the mortgage. And if you are putting extra in there and utilizing your offset to the full advantage, the rate rises have less of an impact on your on your on your mortgage and your and your and your repayment. Sorry. Yeah. Yeah. No. It's all good. Perfect. Well, I can go back and have a really good look, and I'll take the advice there for you. Just having a quick look, did you want me to book in a time now to maybe come back and have that presented? It'll take me probably about sort of two to three weeks to get everything sorted for you. Is there a day that sort of suits you best to kinda go through the updated advice document? Yep. That's okay. What if we look at the April 1? So it's in about two weeks. And I can book it in for sorry. You're right? That is it's the Wednesday before Easter. If not, I could do it the week after. I'm away for a week from the sixth to the tenth. That's all. So I could do it the following week, which is the that's okay? Yeah. Okay. Yep. Perfect. So if I do it maybe Wednesday, April 1, I'm just having a quick look at the time. So we are still on daylight savings time there for you at the moment because it lands on the April 5. So I could do the same. Yeah. Yeah. Does that work for you? Yep. Perfect. Not a problem at all. I'll pop that one in there for you, Rachel. I have a little text message reminder as well. I'll get cracking on that research there for you. I'll chat to you on the first one, use for the updated recommendations, and then you can let me know what you wanna do moving forward. Okay? Yeah. Absolutely. No. Look. Honestly, there's we do not try to pick the highs and lows. I mean, if we sort of looked back at the last thirty odd years and we would have picked any one of these investments at any point in time, you could have said that was the highest point. But between thirty years ago to now, everything has gone up drastically even more. I mean, we're seeing huge, huge returns on gold and silver. So, realistically, as we are dollar cost averaging over time, there's never a bad opportunity to buy. It's sort of that getting in and continuously investing through the ups and downs to take advantage of those moments without trying to pick the market. If we tried to pick the highs and lows, I could guarantee you we would all miss. No one ever picks it correctly. Yeah. Sorry. Correct. Yep. Yep. Mhmm. Yeah. Correct. Correct. And having those in your portfolio, I mean, they do see the ups and downs not as not often as drastically as what your other equities do, but they also can act defensively at certain times as well. So you've got kind of by having them there an asset that's gonna give you growth over longer term, but it also can act defensively at times where equities are also performing unwell. So it's it's kind of a good alternative asset to have in there. Both of them work really well. And if you look at how gold and silver has grown over the last thirty years there, You know, we do expect over the next sort of thirty years for it to still be there, to still keep growing. And yeah. Look. I'll be honest. I never try to pick the highs and lows. I'd rather just pick a time, put the money into the market, and then continuously dollar cost averaging to continue my buy ins. That way, you're averaging out the buy price. You're averaging out your returns, and you're averaging out the risk a little bit as well and taking advantage of whatever the markets throw at you. Yep. Yeah. Exactly. Exactly. Yes. Yep. Absolutely. Perfect. I like it. Lovely. All good. Yeah. Perfect. Not a problem at all. Well, I'll get cracking on the research there for you. I've booked you in for the first 03:30 Queensland time, 04:30 your time, so I can go through the advice with you. I know you'll be driving the time, so don't stress. I'll be able to run through those recommendations and send you the document so you can have a read of it, after the call, and then you can let us know whether you're happy to take on those recommendations or not. Okay? Easy. Thank you so much for your time. If there are any additional questions, please let me know. The only other thing I probably will also just wanted to double check with you just for the insurance side of things. I know with your annual review, that's Samantha would have gone through. Just so I had a bit of a chat about the level of insurances you do have there with your life, your TPD, and your income protection cover. Are you happy with the amounts you have? Did you wanna kinda look at reviewing those at all, or you're still happy to keep them at the same level? Yep. Yep. Yep. Yeah. Yeah. Yep. That's okay. The income protection? Yep. So the income protection is showing a monthly benefit. The monthly benefit based on the income I have here shows you're over insured just a little bit there, but having that amount does mean if you get a pay rise, you might be able to claim more depending on the income, you know, at the time of disability. But income protection pays out a monthly benefit in the event of being unable to work in the shorter term due to illness or injury. Yeah. It pays out as a monthly benefit. Yeah. Oh, yes. Sorry. Before income tax, the monthly benefit is a 5,915 And 15. Yeah. So with income protection, you can be, yeah, you can be covered for up to 70% of your income. 70%. So I've got your income as being about 93,000. Is that right income wise for you at the moment, Rhys? Yeah. Yeah. So it's 70% of your income. So 70% of 93,000 means the yearly benefit's about $65,100, which means the monthly benefit claimable is about 5,425, and you're covered for $5.09 $1.05 at the moment. So you can keep it at the same amount. It does mean that if your income increases, that you've got that higher benefit amount. If we did look at decreasing that, if you then wanted to increase it down the track, it could become more expensive if there's changes to your health. There could be loadings or exclusions applied So keeping it, the amount it's not a huge difference, and it does allow for increases to your wage. Yep. Yep. Perfect. Excellent. Lovely. Yep. Per week. Perfect. Yep. Beautiful. No. Excellent. Perfect. I can see here that you don't have any trauma. Has anyone ever spoken to you about what trauma cover is and how that works at all? Yeah. That's okay. You're absolutely fine. Not a problem at all. So what I'll do is with yeah. You're right. Yeah. Mhmm. Yeah. That's okay. So trauma tends to pay out, like, a lump sum tax free benefit in the event of, say, a major traumatic diagnosis. Generally, things like Parkinson's or cancer is a big one, heart attack, stroke, certain things like that. Trauma, you do have to pay for out of your back pocket, so it does affect your expenditure. You can't hold it inside super like you do your life, your TPD, your income protection. So it is definitely a personal choice, and we do sort of find that at the moment a lot of people have trouble paying for things like trauma out of pocket with the the way living expenses are, but it's a personal decision. You don't have to sort of look at it. We can always scope it out for now and then come back to that down the track if you decide you wanna relook at it. Yeah. That's okay. That's honestly not a problem. I'm glad that at least I spoke to you about it. If you haven't heard of it before today, at least you know it is an option down the track if you do wanna look at it. So with the scoping of the advice there, it'll be more around your super, looking at altering the portfolio and how that looks for you over the next few years there, but I will have to just limit scoping the insurances. We're not looking to change any of those at the moment, but because they are paid out of super, it does have an effect on your super balance as well. So it's important that we have that in as a limited side of things. And I just wanted to double check your beneficiaries as well just so I am kinda updating things for you. It's always important just to check that they're correct. I can see there's no real beneficiary nominations on your super, so it is really important that they be updated. Did Samantha sort of have a chat to you about the beneficiary side of things and who you would want to have nominated in the event of passing away at all? Oh, did you want us to kinda help you by pre filling them out and maybe helping you along? That way, you just have to have them signed and witnessed. Yep. Normally, they have a limit. Normally, they have a limit on how long ago they have to have been signed. Okay. No worries at all. Did you want us to help prefill, like, the beneficiary information for you and make it easier, or you're happy to do so? Not a problem. Sorry. Yeah. You're honestly fine. Look. In all honesty, they can be the most annoying forms to fill out, but at the same time, they're there to protect your super as well. So it is really important that they are completed and sent back. Is it more that you're wanting everything to sort of be paid to your wife to a lease if anything happened to yourself? I mean, you absolutely could, but in all honesty, because they're all 18, if anything happened to you, the payout going to your kids, it goes to her anyway because the money isn't paid direct to them. It's paid to their guardian, so she probably ends up with it anyway. Yeah. She sounds like a good self. Yeah. No. That's understandable. Not a problem at all. We'll keep that a secret. The privacy laws are there to protect you. Yeah. No. That's okay. I sort of let everyone know as well. It is really important to let your spouse know that you do have life insurance. You don't have to let them know how much it is, but just letting them know that we are your advisers. Having our phone number somewhere handy is also important because if anything happened to you, it's a really hard time for them. And at least having the, you know, the kids there can be can make it a little bit harder. So she can just call us. We can help, you know, with the claims process and make everything a little bit smoother. But it's always just really important to kind of make sure that she's aware that you do have a financial adviser. We do look after your sleep and your insurances, and we can certainly help her with the claims process. I've had it in the past where clients didn't tell anyone and, you know, a few months have passed away. We've been trying to call them and we get a phone call out of the blue going, this person's passed away. Who are you and what do you do and, you know, how do we get this money? It's beautiful. Yeah. Yep. Yeah. No. Perfect. Well, if you guys wanted to seek other advice on investments or anything else out there, please let me know. I am here to guide you along, help you meet your goals. I'm a fully licensed adviser as well. And I know as part of the annual review packet is due to be sent out to you that you'll have the financial services guide in there. So you can look me up in there. It's got my license number. You can have a look on the active register and everything there as well. So for yeah. That's good. I love that. I promise I'll look after you too. So absolutely. Absolutely. Well, the biggest thing that we abide by is best interest duty, and that's legislated under the corporations act. So it's about making sure that we're here for you. And whenever a conflict of interest arises, I have to put your needs above that of my employer. So if anything happens and it causes the conflict between you and my bosses, I put your your needs first and act on your behalf. So rest assured I will do nothing wrong by you. Okay? Yeah. Yes. Yep. Yeah. Absolutely. So it is a set and covered by the same legislations as an as any other super fund out there. Yeah. Yep. Yep. Yeah. Yeah. So, like, if anything was to happen, because your funds, whilst have 20 fours, think of it like the vehicle. It's sort of like the car. And inside that vehicle, you've got all your different investment options. So your money is not actually invested in hub twenty four. That's just the platform that it's invested on. Your money is actually invested in the different investment options there. So if something was to happen to hub twenty four and, you know, they were to go down, they would be coming out saying, hey. Look. We're having an issue. We need to close down, but your investments are within these investment options. And another platform should be able to come out, sort of look at things, help, you know, take it on board. We'd be able to move you out of those funds. But the it's more the what happens to the investment option, not so much hub twenty four that affects you. Because it's just the platform you're sitting on. It's just the investment vehicle. Where your money is actually affected is the investment options that you're invested in, the underlying investment options, if that makes sense. Yeah. Yep. Yes. Yep. That is exactly right. Yeah. That's the same with all the other ones out there. All your individual industry funds, SeaBus, Australian, Super, all those things, they all have investment managers as well. They obviously don't have access to as many investments as what these retail funds do, and they kinda limit what you can do on the platforms there. However, they are investing money in big pools of money with investment managers the same way we are. The more the difference here is you have more clarity and more investments to choose from. It's more of a a lot more access to investments to be able to build your investments and have them working in Ultra and change them. Whereas in those industry super funds, those investments and then they're just making decisions on behalf of everyone and telling you this is where majority of your peer group should be in, so you should be in that same investment options. So here you get a bit personalized. Yeah. Yeah. It kinda yeah. Yeah. Yeah. Absolutely. So in order to get more growth, you need to sort of be willing to take on a a bit more risk there. If you're not taking on as much risk, more defensive in nature, more conservative, then you do get the returns that are sort of reflecting that. Yeah. Yeah. Yeah. Perfect. Did you have any other questions for me at all, Reese? If you think of anything at all, you're welcome to let me know. But have I kind of answered everything for you at the moment? Or Yeah. Yep. Absolutely. Perfect. Yeah. Yeah. Yeah. Yep. Yep. Absolutely. No. That's why we definitely want to have a conversation with you, and it's important that we can't just remove an investment without talking to you at the same time and updating the advice to reflect because it's important that you're aware of what's happening with your investments. But, yeah, that's exactly what we're doing with Bandalong. We've had a look at it. It's had its ups and downs. It's really not a quality investment anymore. We do wanna remove it, but we're looking at replacing it with something as lower cost, hopefully, save you less in the way of investment fees, and hopefully, provide greater performance there as well. So we do wanna get rid of that one. So I'll get cracking on the research on this for you. I'll come back and show you what we're gonna do to help you, and then you get to ask me additional questions and see the advantages, disadvantages, and the risks of what I recommend for you. Okay? Excellent. Well, I hope you have a safe drive home, Rhys. If you do find you have more questions, please let me know, and I'll contact I'll easy. I'll talk to you in about two weeks. Easy. Thanks. You too. It has been. Yeah. Well, I think it's probably more common. It kinda rains a lot up here, but that's okay. We'll winter's coming. It stops in the wet. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. When it's beautiful, it is beautiful. When it's wet, it is tranqal. No. Oh, that's it. That's exactly it. No. Oh, good. Well, thank you very much for your time. I really appreciate it. I'll get cracking on the research. We'll talk again shortly. And in the meantime, if you need anything, don't ever hesitate. I'm always here happy to make time. Okay? My pleasure. Enjoy your afternoon. Have a safe trip home. Thanks. See you later. 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Reese. It's Dana from Oku Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in today to have a bit of a catch up. You were lot wanting to look at having a bit more maybe silver and gold in your portfolio. Is that right? Yep.\n\nYeah. Absolutely. Sure is. Yeah. Is now still a good time for a bit of a cashier to have a chat about it?\n\nYeah. Fantastic. Oh, Reese, before we jump sorry. You're alright. Oh, wow.\n\nAbsolutely. No. Before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do security there with you, just to confirm your full name, date of birth, and address I should have on file? Beautiful. Thank you so much for that. So having a look at things, I've got your portfolio here in front of me. I know you did speak to Samantha about your annual review, and you mentioned you wanted to increase having a bit of physical gold and a bit of silver in there.\n\nWith regard to your portfolio at the moment, you do have a bit of physical gold. You do have about 17% there. Are you just wanting to sort of look at maybe keeping the same amount of gold and adding a bit of silver in there and seeing what it can do for your portfolio, or you're kind of wanting to try and Mhmm. Yeah. Yes.\n\nSo with the investments that we invest in with regards to gold and silver there, you are essentially buying into, like, we have what was it? Global x Physical Gold. So they hold gold gold bullion, and that is stored in, like, the essentially a bank within The U UK. Sorry. So you are buying into an investment that actually holds gold and silver as a physical item.\n\nIn saying that gold and silver are both technically growth investments, so you are taking a bit more risk by having those. They do tend to get a lot of growth than they have done over the past. In saying that gold did in February drop about between 11 to 18% in one day as well. So while it has seen those good growth times, it can drop very heavily in the shorter periods of time. There's no income production out of them as well, so they're solely a growth asset.\n\nThey don't sort of give any income that can be recompounded there. So there is definitely a place in the portfolio for both of those assets. They can work defensively at certain times as well where we're sort of seeing at the moment and have seen in the past by with markets going up and down when equities aren't, you know, performing as well or having a bit of a hard time, people tend to move money into those sorts of resources as a bit of a safe haven. So they both can work quite defensively in that nature as well. But if you wanted to, I could look at maybe structuring the portfolio, looking at you know, keeping your weighting about right, but maybe adding a bit of silver in there for you to see if we can, you know, what it might look like and how it might help you.\n\nSo are you open to me just sort of looking at the options and maybe making a recommendation then? Yep. Yeah. Yeah. Yep.\n\nNo. So we're within your sofa, we can only purchase, like, into ETFs, but I can have a look at a few options and maybe send you an email for purchasing it, like, out by the super and how you would have to do that. Yeah. Yeah. You'd need to make sure you're storing it correctly as well.\n\nSo making sure it's stored securely. Yeah. Okay. Perfect. So I'll store it.\n\nMhmm. Correct. Yeah. And you can't actually withdraw money from super to be able to purchase investments like that in your own name until you kinda hit that preservation agent turn 60 and stop and retire permanently. The only other way you'd be able to do that is to set up a self managed super fund.\n\nBut in that way, you need to make sure it's an arm's length transaction to have it, you know, follow the directions that you are still in the super system. It's just that it's a more costly way of being able to buy it. So that makes different funds a lot more risky. Yeah. Yes.\n\nYeah. Correct. And they're a lot more expensive as well, and you take a little bit more risk in regards that. So with the way your super structured at the moment, in hub twenty four, hub twenty four are the trustee. They look after majority of things, and they do the tax returns and things like that for you, have the orders complete completed on your super fund.\n\nWhereas if you're under a super fund, you become the trustee in whatever structure you choose to open it in, which means that you're ultimately responsible for following the rules, making sure your tax returns are done, getting the fund audited on a regular basis. It's a lot more work and a lot more costly. So having purchasing a bit of gold or silver in your own name is absolutely fine. Just maybe finding the funds elsewhere to do that. But, yeah, like, within WindSuper, I'm happy to maybe add a little bit silver in there.\n\nI am looking at your other investment here, the Bannalong Australian Equities. I know when you spoke to Samantha, she kinda did your annual review and ran you through what was happening there. Bannalong, your Australian equity portion is down pretty heavily at the moment. And as a business, we have kind of reviewed that investment option and have decided to remove that out of the portfolio. So if you like, I could go back, maybe readjust the portfolio, look at adding a bit of physical silver in there for you.\n\nI can look at whether holding the right same amount of gold is gonna be suitable. I'd rather not try to sort of sell that if we don't have to. And then we can look at maybe replacing the Ben along Australian equities as well and maybe utilizing the loss that it has been to offset any gains or change in the investment structure. Does that sound like something you're looking to me doing? Yep.\n\nYeah. Yeah. Well, that's definitely why we wanna sort of move that. Unfortunately, in the last few months, one of the underlyings within Bennelong hasn't been performing correctly or doing as well. Unfortunately, Bennelong haven't also taken the steps to reevaluate their underlying investments very much.\n\nSo as an actively managed fund, it's not very actively managed and has unfortunately been underperforming. So we do wanna take the steps to remove that out of everyone's portfolio and put something in its place that hasn't underperformed the way it has. We are sort of removing the active managed funds and looking at something more passively managed, a bit more low cost in your super as well because reducing fees is always a big part of it. But if you like, I can go back. I can look at the removing banner long, look at what to put in this place, make sure that the performance has been there to kinda show what it can do moving forward for you, add a bit of silver in there for you and sort of keep maybe look at doing a rebalance on your super as well to make sure you are invested in line with things correctly.\n\nAbsolutely. Just wanna make you're right. I just wanna make sure that you are kind of also invested there correctly. So you do have a good amount of gold in there at the moment. So I can look at whether keeping some of that in there and retaining that level.\n\nThere is a limit on how much of physical gold and silver because they are technically alternative assets. So Hub 24 does have a maximum limit that you can have in there. So I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time. And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board. Does that sound okay with you?\n\nYep. That's okay. Yeah. Yeah. Of course.\n\nUnderstandable. And that's the other thing I sorta wanted to look at with you is because we know investment markets are gonna go up and down. There's not gonna be you know, there are gonna be points where maybe some of the investments aren't performing, and it's not because of the investment itself. It's more because of the market as a whole. And, like, if your superhero isn't performing, it's gonna be because the market as a whole isn't performing correctly, and that's gonna be something outside of our control.\n\nSo it's about making sure you're invested throughout those downtimes that you're able to go through those points where the market might not be working very well, where investors are drawing large sums of money out, so you're seeing a downtime. Taking advantage of those downtimes as well, allowing your contributions to keep going in so that you're buying into those discounted rates. They always say buy low, sell high. Well, when the markets are down, that's your chance to buy in low. So keeping your contributions going into those downtimes, you buy into the investments at the discounted rate.\n\nAnd as the market comes out, as your portfolio recovers from those downtimes, you actually make a lot more in the way of gains because you you've lowered your buy in price to those investments, and you can actually get greater growth by doing that. So what I probably wanna have a look at doing is just sort of checking to make sure you are invested in the right portfolio as well. I'm just having a look to see what investment portfolio you're in at the moment. Sorry. Won't be one second.\n\nMy computer's a little bit slow again this afternoon. I work it hard. I tell you what. Technology can be fun when it wants to work. I'm just gonna have a look here at your last advice document.\n\nIt looks like we haven't kinda made any changes since that one was provided. So that was back in 2023 there. Yeah. Yeah. No.\n\nIt absolutely has. You've done really well. We just wanna make sure it kinda keeps working really well. And with what's happening at the moment, there is an expectation of volatility, so we are gonna see those ups and downs. Yeah.\n\nYeah. Yeah. Yes. Absolutely. Most definitely.\n\nAnd one of the biggest things to remember is when it comes to investments, the biggest effect the biggest factor affecting it is human emotion. So when you're seeing lots of people pulling money out and drawing, it's because they've heard something that's making them feel emotional about what's gonna happen, and they're technically causing the downtime. They're starting to sell out or to jump out of a certain investment, which is then the on flow effect. Other people see it dropping, and they wanna move money as well. So that's essentially, human emotion is the biggest factor to rely on when we are looking at investment markets and the way they go.\n\nThe biggest thing we can do, and it's the hardest thing, is to remove that emotion and remember that what you're invested in has been around for a long time. It has seen those ups and downs, and we'll continue to withstand those ups and downs as long as you're comfortable with staying through those down times and not selling emotionally. And that can be the hardest thing is removing that emotion and thinking logically about the investments and what you're invested in. But if you can do that, you can benefit greatly from from the ups and the downtime. Yeah.\n\nMhmm. Yep. Yeah. Yeah. No.\n\nThat's okay. Well, you've done well with you. And watching it can be one of the biggest emotional things. I've got, you know, friends and and clients who look at things on a regular basis, and they get really nervous when they see things dropping or going down, and it can be quite nerve wracking. So the best thing is to not look at it every day.\n\nMaybe look at it once every couple of weeks or every couple of months and just kind of be comfortable with what you're investing in. But, also, just not investing anything that has that's too risky, too speculative, that hasn't been around for a long time and got a track record as well, if that makes sense. Yep. Absolutely. Yeah.\n\nAbsolutely. Yeah. Yeah. Can be a bit of an emotional roller coaster at times. Yeah.\n\nNo. That's completely understandable. That's all good. Well, I'll definitely work hard at trying to help you get to that point, making sure we do our reviews and catch ups and making sure that we give you those updates so you can be on track. Having a look at things now, you're 38 this year.\n\nDo you know what age I know I had here when you came on board originally, you were hoping to maybe access super at about age 67. Is that kinda still your goal, age, or do you think you'd wanna access it earlier at this point? That's okay. I hear you. I hear you.\n\nNo. That's okay. That's not a problem, Adele. Look. At the moment, what I'd be doing is updating things on a regular basis anyway.\n\nSo when we look at updating the advice, I I know Wendy came on board originally. The advice document will sort of show you what the expectation was right up into age 67, but because there are so many factors at place, so many things in your life that can change, and being as you are only 38 this year sorry. I'd be looking to update the advice and maybe look at the next ten years and just keep updating things to keep you on track along the way. I don't really like the idea of showing you, you know, the next thirty years of what the market reaction expectations might be like because there's too many variables that can change in that instance. So we'll start with something smaller.\n\nWe'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track. Does that sound okay? Beautiful. Absolutely. Absolutely.\n\nAbsolutely. No. Not a problem. I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time. Oh, dear.\n\nI actually said to my husband, I've got a our son's old scooter out in the backyard. He can learn the scooter to work. Yeah. Absolutely. No.\n\nDefinitely. The next thing I kinda wanna just just sorta gauge on for you is I know you sorta said you're not overly sorta stressed about things. You have a longer time horizon ahead of you. But when you do sort of see your super balance fall due to, you know, external market factors, does it sort of worry you in any way? Are you feeling a bit concerned, or you're sort of not worried knowing that you do have a, you know, until 60 ahead of you before you're able to access sleep at this point?\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Yep. Yep. Perfect. Perfect.\n\nDo you think when it comes to sort of market jobs, you'd be more inclined to sort of hold and wait, less inclined to make emotional decisions, and maybe more comfortable calling us? Or do you think you'd be looking at there's a buying opportunity and trying to put more money in? How do you think drops might sort of make you feel or start to react? Yep. Yeah.\n\nYou do so? Yeah. Yep. I, yeah, yeah, yeah, Yep. Yeah.\n\nPerfect. So you'd be looking for more guidance on how to react in those scenarios. Yeah. Perfect. All good.\n\nAnd have you yeah. No. That's okay. That's perfect. It's a really good reaction.\n\nAnd the last one here is have you ever thought about taking a loan? Have you ever considered borrowing funds in order to invest in shares or managed funds, or do you think that's probably a bit too risky? Yep. Yeah. Yeah.\n\nPerfect. Do you have any you're right. Sorry. Yep. Yep.\n\nYep. Yeah. No. That's that's a that's a good way to look at it. That's perfect.\n\nAnd do you have any goals to buy investment properties in the future, or are you happy just sort of trying to pay down your current mortgage as much as possible? What's your other goals moving forward? Yeah. Okay. Perfect.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Perfect. No. Excellent. Well, I've just sort of done the risk profile questionnaire with you to kinda gauge where your risk level is sitting, where your tolerance is, and what sort of portfolio you should be in.\n\nEssentially, having a look at that, you actually have scored there as a growth investor, and you are in kind of that growth environment at the moment. So you generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed properties, and commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest there. The growth environment suits someone who has at least six years to be invested. They're not wanting to access their money for about six years at a minimum. You're averaging or trying to get the expected average returns of about seven to 9% on a yearly basis compounding.\n\nAnd with this sort of portfolio, the likelihood of a negative return is expected sort of one in every five years. Do you feel like this sort of environment sort of suits you realistically from everything you've told me? The growth portfolio still suits your risk capacity quite comfortably, but are you comfortable remaining in that sort of portfolio? Yeah. Absolutely.\n\nYeah. Yep. That's perfect. Abs absolutely. Well, I'm looking at the the portfolio you're in, and everything has been performing really well.\n\nSo when I look at how all the individual investments have been performing, everything is up except for that ban along there. So as it is a business decision to kinda remove that it is underperforming, it's time to get that out of there. Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing. And I've had a really good look around at what we're sort of expecting. So one of the good ways to sort of understand and look at whether, you know, what we're expecting around about volatility is looking at the VIX index that kind of looks at the markets, how things are reacting, but sort of tracks and shows are we expecting, you know, over the next sort of thirty odd days or so, volatile times around of the S and P 500.\n\nBecause most things follow suit in The US market. And that has sort of been over about 20% for the last sort of five to six days that I can see here, which kinda shows that we are expecting that volatility within the markets over the next month. The VIX index goes up pretty heavily on a regular basis, and it's it's gone up and been fluctuating pretty drastically. But, generally, when the VIX index shows you less than 20%, it's sort of showing that the market's expected to be fairly stable, whereas anything over 20% is showing that it's expecting volatility within the market there. So this has been showing over the 20% for at least the last five to six days, and I kind of look at that every now, see what it is doing.\n\nSo we do expect those volatile times to stay. But in saying that this growth portfolio suits where you're at, it suits your time horizon. We can take advantage of those downtimes. And whilst we wanna get rid of that along at the moment, we can look at rebalancing your portfolio. We can look at adding a bit of silver in there, and we can also just look at, you know, offsetting any capital gains within the fund by the fact that Bennelong is down a little bit there.\n\nSo we can utilize that to our advantage. And if you're comfortable, I'll go back and do the research for you. I'll update the recommendations, adding a bills adding a bit of silver for you as per your preference. And then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you. How does that sound, Rhys?\n\nYep. Perfect. All good. Is there any sort of changes? I know Samantha did a bit of a review there with you.\n\nOne of your goals moving forward was trying to reduce the mortgage as much as possible. You're hoping to reduce it by at least 50 k. Is there any kind of time horizon you're looking to try and reduce your mortgage by, or is it just trying to pay it down as quickly as possible? I hope not. We've already have one.\n\nYeah. Yeah. I know. I've looked at what they're saying as well. The it's it's funny.\n\nIt's everything's very subjective. And when you sort of look and talk to the different economists, they sort of say different things. They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right. We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out there. Absolutely.\n\nAbsolutely. Yeah. Absolutely. I do agree with you. Yeah.\n\nNo. That's okay. That's not an issue. I sort of like the variable as much as the rate go up and down. Having a variable contract allows you to pay extra under the mortgage.\n\nAnd if you are putting extra in there and utilizing your offset to the full advantage, the rate rises have less of an impact on your on your on your mortgage and your and your and your repayment. Sorry. Yeah. Yeah. No.\n\nIt's all good. Perfect. Well, I can go back and have a really good look, and I'll take the advice there for you. Just having a quick look, did you want me to book in a time now to maybe come back and have that presented? It'll take me probably about sort of two to three weeks to get everything sorted for you.\n\nIs there a day that sort of suits you best to kinda go through the updated advice document? Yep. That's okay. What if we look at the April 1? So it's in about two weeks.\n\nAnd I can book it in for sorry. You're right? That is it's the Wednesday before Easter. If not, I could do it the week after. I'm away for a week from the sixth to the tenth.\n\nThat's all. So I could do it the following week, which is the that's okay? Yeah. Okay. Yep.\n\nPerfect. So if I do it maybe Wednesday, April 1, I'm just having a quick look at the time. So we are still on daylight savings time there for you at the moment because it lands on the April 5. So I could do the same. Yeah.\n\nYeah. Does that work for you? Yep. Perfect. Not a problem at all.\n\nI'll pop that one in there for you, Rachel. I have a little text message reminder as well. I'll get cracking on that research there for you. I'll chat to you on the first one, use for the updated recommendations, and then you can let me know what you wanna do moving forward. Okay?\n\nYeah. Absolutely. No. Look. Honestly, there's we do not try to pick the highs and lows.\n\nI mean, if we sort of looked back at the last thirty odd years and we would have picked any one of these investments at any point in time, you could have said that was the highest point. But between thirty years ago to now, everything has gone up drastically even more. I mean, we're seeing huge, huge returns on gold and silver. So, realistically, as we are dollar cost averaging over time, there's never a bad opportunity to buy. It's sort of that getting in and continuously investing through the ups and downs to take advantage of those moments without trying to pick the market.\n\nIf we tried to pick the highs and lows, I could guarantee you we would all miss. No one ever picks it correctly. Yeah. Sorry. Correct.\n\nYep. Yep. Mhmm. Yeah. Correct.\n\nCorrect. And having those in your portfolio, I mean, they do see the ups and downs not as not often as drastically as what your other equities do, but they also can act defensively at certain times as well. So you've got kind of by having them there an asset that's gonna give you growth over longer term, but it also can act defensively at times where equities are also performing unwell. So it's it's kind of a good alternative asset to have in there. Both of them work really well.\n\nAnd if you look at how gold and silver has grown over the last thirty years there, You know, we do expect over the next sort of thirty years for it to still be there, to still keep growing. And yeah. Look. I'll be honest. I never try to pick the highs and lows.\n\nI'd rather just pick a time, put the money into the market, and then continuously dollar cost averaging to continue my buy ins. That way, you're averaging out the buy price. You're averaging out your returns, and you're averaging out the risk a little bit as well and taking advantage of whatever the markets throw at you. Yep. Yeah.\n\nExactly. Exactly. Yes. Yep. Absolutely.\n\nPerfect. I like it. Lovely. All good. Yeah.\n\nPerfect. Not a problem at all. Well, I'll get cracking on the research there for you. I've booked you in for the first 03:30 Queensland time, 04:30 your time, so I can go through the advice with you. I know you'll be driving the time, so don't stress.\n\nI'll be able to run through those recommendations and send you the document so you can have a read of it, after the call, and then you can let us know whether you're happy to take on those recommendations or not. Okay? Easy. Thank you so much for your time. If there are any additional questions, please let me know.\n\nThe only other thing I probably will also just wanted to double check with you just for the insurance side of things. I know with your annual review, that's Samantha would have gone through. Just so I had a bit of a chat about the level of insurances you do have there with your life, your TPD, and your income protection cover. Are you happy with the amounts you have? Did you wanna kinda look at reviewing those at all, or you're still happy to keep them at the same level?\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. That's okay. The income protection? Yep. So the income protection is showing a monthly benefit.\n\nThe monthly benefit based on the income I have here shows you're over insured just a little bit there, but having that amount does mean if you get a pay rise, you might be able to claim more depending on the income, you know, at the time of disability. But income protection pays out a monthly benefit in the event of being unable to work in the shorter term due to illness or injury. Yeah. It pays out as a monthly benefit. Yeah.\n\nOh, yes. Sorry. Before income tax, the monthly benefit is a 5,915 And 15. Yeah. So with income protection, you can be, yeah, you can be covered for up to 70% of your income.\n\n70%. So I've got your income as being about 93,000. Is that right income wise for you at the moment, Rhys? Yeah. Yeah.\n\nSo it's 70% of your income. So 70% of 93,000 means the yearly benefit's about $65,100, which means the monthly benefit claimable is about 5,425, and you're covered for $5.09 $1.05 at the moment. So you can keep it at the same amount. It does mean that if your income increases, that you've got that higher benefit amount. If we did look at decreasing that, if you then wanted to increase it down the track, it could become more expensive if there's changes to your health.\n\nThere could be loadings or exclusions applied So keeping it, the amount it's not a huge difference, and it does allow for increases to your wage. Yep. Yep. Perfect. Excellent.\n\nLovely. Yep. Per week. Perfect. Yep.\n\nBeautiful. No. Excellent. Perfect. I can see here that you don't have any trauma.\n\nHas anyone ever spoken to you about what trauma cover is and how that works at all? Yeah. That's okay. You're absolutely fine. Not a problem at all.\n\nSo what I'll do is with yeah. You're right. Yeah. Mhmm. Yeah.\n\nThat's okay. So trauma tends to pay out, like, a lump sum tax free benefit in the event of, say, a major traumatic diagnosis. Generally, things like Parkinson's or cancer is a big one, heart attack, stroke, certain things like that. Trauma, you do have to pay for out of your back pocket, so it does affect your expenditure. You can't hold it inside super like you do your life, your TPD, your income protection.\n\nSo it is definitely a personal choice, and we do sort of find that at the moment a lot of people have trouble paying for things like trauma out of pocket with the the way living expenses are, but it's a personal decision. You don't have to sort of look at it. We can always scope it out for now and then come back to that down the track if you decide you wanna relook at it. Yeah. That's okay.\n\nThat's honestly not a problem. I'm glad that at least I spoke to you about it. If you haven't heard of it before today, at least you know it is an option down the track if you do wanna look at it. So with the scoping of the advice there, it'll be more around your super, looking at altering the portfolio and how that looks for you over the next few years there, but I will have to just limit scoping the insurances. We're not looking to change any of those at the moment, but because they are paid out of super, it does have an effect on your super balance as well.\n\nSo it's important that we have that in as a limited side of things. And I just wanted to double check your beneficiaries as well just so I am kinda updating things for you. It's always important just to check that they're correct. I can see there's no real beneficiary nominations on your super, so it is really important that they be updated. Did Samantha sort of have a chat to you about the beneficiary side of things and who you would want to have nominated in the event of passing away at all?\n\nOh, did you want us to kinda help you by pre filling them out and maybe helping you along? That way, you just have to have them signed and witnessed. Yep. Normally, they have a limit. Normally, they have a limit on how long ago they have to have been signed.\n\nOkay. No worries at all. Did you want us to help prefill, like, the beneficiary information for you and make it easier, or you're happy to do so? Not a problem. Sorry.\n\nYeah. You're honestly fine. Look. In all honesty, they can be the most annoying forms to fill out, but at the same time, they're there to protect your super as well. So it is really important that they are completed and sent back.\n\nIs it more that you're wanting everything to sort of be paid to your wife to a lease if anything happened to yourself? I mean, you absolutely could, but in all honesty, because they're all 18, if anything happened to you, the payout going to your kids, it goes to her anyway because the money isn't paid direct to them. It's paid to their guardian, so she probably ends up with it anyway. Yeah. She sounds like a good self.\n\nYeah. No. That's understandable. Not a problem at all. We'll keep that a secret.\n\nThe privacy laws are there to protect you. Yeah. No. That's okay. I sort of let everyone know as well.\n\nIt is really important to let your spouse know that you do have life insurance. You don't have to let them know how much it is, but just letting them know that we are your advisers. Having our phone number somewhere handy is also important because if anything happened to you, it's a really hard time for them. And at least having the, you know, the kids there can be can make it a little bit harder. So she can just call us.\n\nWe can help, you know, with the claims process and make everything a little bit smoother. But it's always just really important to kind of make sure that she's aware that you do have a financial adviser. We do look after your sleep and your insurances, and we can certainly help her with the claims process. I've had it in the past where clients didn't tell anyone and, you know, a few months have passed away. We've been trying to call them and we get a phone call out of the blue going, this person's passed away.\n\nWho are you and what do you do and, you know, how do we get this money? It's beautiful. Yeah. Yep. Yeah.\n\nNo. Perfect. Well, if you guys wanted to seek other advice on investments or anything else out there, please let me know. I am here to guide you along, help you meet your goals. I'm a fully licensed adviser as well.\n\nAnd I know as part of the annual review packet is due to be sent out to you that you'll have the financial services guide in there. So you can look me up in there. It's got my license number. You can have a look on the active register and everything there as well. So for yeah.\n\nThat's good. I love that. I promise I'll look after you too. So absolutely. Absolutely.\n\nWell, the biggest thing that we abide by is best interest duty, and that's legislated under the corporations act. So it's about making sure that we're here for you. And whenever a conflict of interest arises, I have to put your needs above that of my employer. So if anything happens and it causes the conflict between you and my bosses, I put your your needs first and act on your behalf. So rest assured I will do nothing wrong by you.\n\nOkay? Yeah. Yes. Yep. Yeah.\n\nAbsolutely. So it is a set and covered by the same legislations as an as any other super fund out there. Yeah. Yep. Yep.\n\nYeah. Yeah. So, like, if anything was to happen, because your funds, whilst have 20 fours, think of it like the vehicle. It's sort of like the car. And inside that vehicle, you've got all your different investment options.\n\nSo your money is not actually invested in hub twenty four. That's just the platform that it's invested on. Your money is actually invested in the different investment options there. So if something was to happen to hub twenty four and, you know, they were to go down, they would be coming out saying, hey. Look.\n\nWe're having an issue. We need to close down, but your investments are within these investment options. And another platform should be able to come out, sort of look at things, help, you know, take it on board. We'd be able to move you out of those funds. But the it's more the what happens to the investment option, not so much hub twenty four that affects you.\n\nBecause it's just the platform you're sitting on. It's just the investment vehicle. Where your money is actually affected is the investment options that you're invested in, the underlying investment options, if that makes sense. Yeah. Yep.\n\nYes. Yep. That is exactly right. Yeah. That's the same with all the other ones out there.\n\nAll your individual industry funds, SeaBus, Australian, Super, all those things, they all have investment managers as well. They obviously don't have access to as many investments as what these retail funds do, and they kinda limit what you can do on the platforms there. However, they are investing money in big pools of money with investment managers the same way we are. The more the difference here is you have more clarity and more investments to choose from. It's more of a a lot more access to investments to be able to build your investments and have them working in Ultra and change them.\n\nWhereas in those industry super funds, those investments and then they're just making decisions on behalf of everyone and telling you this is where majority of your peer group should be in, so you should be in that same investment options. So here you get a bit personalized. Yeah. Yeah. It kinda yeah.\n\nYeah. Yeah. Absolutely. So in order to get more growth, you need to sort of be willing to take on a a bit more risk there. If you're not taking on as much risk, more defensive in nature, more conservative, then you do get the returns that are sort of reflecting that.\n\nYeah. Yeah. Yeah. Perfect. Did you have any other questions for me at all, Reese?\n\nIf you think of anything at all, you're welcome to let me know. But have I kind of answered everything for you at the moment? Or Yeah. Yep. Absolutely.\n\nPerfect. Yeah. Yeah. Yeah. Yep.\n\nYep. Absolutely. No. That's why we definitely want to have a conversation with you, and it's important that we can't just remove an investment without talking to you at the same time and updating the advice to reflect because it's important that you're aware of what's happening with your investments. But, yeah, that's exactly what we're doing with Bandalong.\n\nWe've had a look at it. It's had its ups and downs. It's really not a quality investment anymore. We do wanna remove it, but we're looking at replacing it with something as lower cost, hopefully, save you less in the way of investment fees, and hopefully, provide greater performance there as well. So we do wanna get rid of that one.\n\nSo I'll get cracking on the research on this for you. I'll come back and show you what we're gonna do to help you, and then you get to ask me additional questions and see the advantages, disadvantages, and the risks of what I recommend for you. Okay? Excellent. Well, I hope you have a safe drive home, Rhys.\n\nIf you do find you have more questions, please let me know, and I'll contact I'll easy. I'll talk to you in about two weeks. Easy. Thanks. You too.\n\nIt has been. Yeah. Well, I think it's probably more common. It kinda rains a lot up here, but that's okay. We'll winter's coming.\n\nIt stops in the wet. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yeah. When it's beautiful, it is beautiful. When it's wet, it is tranqal. No.\n\nOh, that's it. That's exactly it. No. Oh, good. Well, thank you very much for your time.\n\nI really appreciate it. I'll get cracking on the research. We'll talk again shortly. And in the meantime, if you need anything, don't ever hesitate. I'm always here happy to make time.\n\nOkay? My pleasure. Enjoy your afternoon. Have a safe trip home. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Reese.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.12894516065716743},{"text":"It's Dana from Oku Financial.","start":2.56,"end":4.18,"sentiment":"neutral","sentiment_score":0.15285081565380096},{"text":"How are you this afternoon?","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.23715775310993195},{"text":"I'm very well.","start":7.44,"end":8.24,"sentiment":"positive","sentiment_score":0.582270622253418},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.6614264249801636}],"sentiment":"neutral","sentiment_score":0.3104469342266812,"num_words":17,"start":1.92,"end":8.639999},{"sentences":[{"text":"Thanks for asking.","start":8.639999,"end":9.36,"sentiment":"positive","sentiment_score":0.5942246715227762},{"text":"I had you booked in today to have a bit of a catch up.","start":9.36,"end":11.759999,"sentiment":"neutral","sentiment_score":0.14769239191498076},{"text":"You were lot wanting to look at having a bit more maybe silver and gold in your portfolio.","start":11.759999,"end":15.615,"sentiment":"neutral","sentiment_score":0.09546061377558443},{"text":"Is that right?","start":15.615,"end":16.435001,"sentiment":"neutral","sentiment_score":0.08366672197977702},{"text":"Yep.","start":24.494999,"end":24.994999,"sentiment":"neutral","sentiment_score":0.0434233620762825}],"sentiment":"neutral","sentiment_score":0.15033543788087675,"num_words":39,"start":8.639999,"end":24.994999},{"sentences":[{"text":"Yeah.","start":26.51,"end":26.67,"sentiment":"neutral","sentiment_score":0.10429223626852036},{"text":"Absolutely.","start":26.67,"end":27.17,"sentiment":"neutral","sentiment_score":0.15744608640670776},{"text":"Sure is.","start":27.470001,"end":28.11,"sentiment":"neutral","sentiment_score":0.14581644535064697},{"text":"Yeah.","start":28.11,"end":28.61,"sentiment":"neutral","sentiment_score":0.10293559730052948},{"text":"Is now still a good time for a bit of a cashier to have a chat about it?","start":29.23,"end":32.45,"sentiment":"neutral","sentiment_score":0.12225648553835021}],"sentiment":"neutral","sentiment_score":0.12421406740727632,"num_words":23,"start":26.51,"end":32.45},{"sentences":[{"text":"Yeah.","start":34.03,"end":34.53,"sentiment":"neutral","sentiment_score":0.06075669825077057},{"text":"Fantastic.","start":35.15,"end":35.65,"sentiment":"positive","sentiment_score":0.3743436932563782},{"text":"Oh, Reese, before we jump sorry.","start":36.35,"end":38.510002,"sentiment":"neutral","sentiment_score":0.04804785115023454},{"text":"You're alright.","start":38.510002,"end":39.25,"sentiment":"neutral","sentiment_score":0.04161958210170269},{"text":"Oh, wow.","start":42.915,"end":43.735,"sentiment":"neutral","sentiment_score":0.06193474121391773}],"sentiment":"neutral","sentiment_score":0.07754134541998307,"num_words":12,"start":34.03,"end":43.735},{"sentences":[{"text":"Absolutely.","start":45.235,"end":45.735,"sentiment":"neutral","sentiment_score":0.03402535244822502},{"text":"No.","start":46.434998,"end":46.835,"sentiment":"neutral","sentiment_score":-0.020012041553854942},{"text":"Before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":46.835,"end":50.995,"sentiment":"neutral","sentiment_score":0.009327784180641174},{"text":"Are you happy for me to proceed with that?","start":50.995,"end":53.015,"sentiment":"neutral","sentiment_score":0.06942989097701179},{"text":"Fantastic.","start":54.53,"end":55.03,"sentiment":"neutral","sentiment_score":0.3034920394420624}],"sentiment":"neutral","sentiment_score":0.03449266172493949,"num_words":33,"start":45.235,"end":55.03},{"sentences":[{"text":"And just to do security there with you, just to confirm your full name, date of birth, and address I should have on file?","start":55.49,"end":60.79,"sentiment":"neutral","sentiment_score":0.13285632307330766},{"text":"Beautiful.","start":66.945,"end":67.425,"sentiment":"positive","sentiment_score":0.452844500541687},{"text":"Thank you so much for that.","start":67.425,"end":69.045,"sentiment":"positive","sentiment_score":0.518195648988088},{"text":"So having a look at things, I've got your portfolio here in front of me.","start":69.345,"end":73.345,"sentiment":"neutral","sentiment_score":0.2396262178818385},{"text":"I know you did speak to Samantha about your annual review, and you mentioned you wanted to increase having a bit of physical gold and a bit of silver in there.","start":73.345,"end":80.37,"sentiment":"neutral","sentiment_score":0.09799777764466501}],"sentiment":"neutral","sentiment_score":0.17380382497976352,"num_words":77,"start":55.49,"end":80.37},{"sentences":[{"text":"With regard to your portfolio at the moment, you do have a bit of physical gold.","start":80.850006,"end":84.53,"sentiment":"neutral","sentiment_score":0.0636961602140218},{"text":"You do have about 17% there.","start":84.53,"end":86.87,"sentiment":"neutral","sentiment_score":0.058476189772288},{"text":"Are you just wanting to sort of look at maybe keeping the same amount of gold and adding a bit of silver in there and seeing what it can do for your portfolio, or you're kind of wanting to try and Mhmm.","start":87.41,"end":106.104996,"sentiment":"neutral","sentiment_score":0.09316337185113557},{"text":"Yeah.","start":108.259995,"end":108.759995,"sentiment":"neutral","sentiment_score":0.16051317751407623},{"text":"Yes.","start":128.675,"end":129.075,"sentiment":"neutral","sentiment_score":0.0655466616153717}],"sentiment":"neutral","sentiment_score":0.08346844180204878,"num_words":66,"start":80.850006,"end":129.075},{"sentences":[{"text":"So with the investments that we invest in with regards to gold and silver there, you are essentially buying into, like, we have what was it?","start":129.075,"end":137.19,"sentiment":"neutral","sentiment_score":0.06550790828007919},{"text":"Global x Physical Gold.","start":137.97,"end":139.33,"sentiment":"neutral","sentiment_score":0.031936752144247293},{"text":"So they hold gold gold bullion, and that is stored in, like, the essentially a bank within The U UK.","start":139.33,"end":147.03,"sentiment":"neutral","sentiment_score":0.016265042475424707},{"text":"Sorry.","start":147.17,"end":147.67,"sentiment":"neutral","sentiment_score":-0.014771468006074429},{"text":"So you are buying into an investment that actually holds gold and silver as a physical item.","start":148.275,"end":153.33499,"sentiment":"neutral","sentiment_score":-0.007491281146512312}],"sentiment":"neutral","sentiment_score":0.02961956214515821,"num_words":68,"start":129.075,"end":153.33499},{"sentences":[{"text":"In saying that gold and silver are both technically growth investments, so you are taking a bit more risk by having those.","start":154.355,"end":160.19499,"sentiment":"neutral","sentiment_score":-0.12211467647417025},{"text":"They do tend to get a lot of growth than they have done over the past.","start":160.19499,"end":163.38,"sentiment":"neutral","sentiment_score":-0.1087169055826962},{"text":"In saying that gold did in February drop about between 11 to 18% in one day as well.","start":163.86,"end":170.98001,"sentiment":"neutral","sentiment_score":-0.1917093185087045},{"text":"So while it has seen those good growth times, it can drop very heavily in the shorter periods of time.","start":170.98001,"end":177.40001,"sentiment":"neutral","sentiment_score":-0.227053714543581},{"text":"There's no income production out of them as well, so they're solely a growth asset.","start":177.705,"end":181.545,"sentiment":"neutral","sentiment_score":-0.23734379162391026}],"sentiment":"neutral","sentiment_score":-0.1755823326389213,"num_words":91,"start":154.355,"end":181.545},{"sentences":[{"text":"They don't sort of give any income that can be recompounded there.","start":181.545,"end":184.665,"sentiment":"neutral","sentiment_score":-0.2368625191350778},{"text":"So there is definitely a place in the portfolio for both of those assets.","start":184.665,"end":188.685,"sentiment":"neutral","sentiment_score":0.10849455105406898},{"text":"They can work defensively at certain times as well where we're sort of seeing at the moment and have seen in the past by with markets going up and down when equities aren't, you know, performing as well or having a bit of a hard time, people tend to move money into those sorts of resources as a bit of a safe haven.","start":189.065,"end":205.37999,"sentiment":"neutral","sentiment_score":0.07330106970454965},{"text":"So they both can work quite defensively in that nature as well.","start":205.37999,"end":208.765,"sentiment":"neutral","sentiment_score":0.12174766759077708},{"text":"But if you wanted to, I could look at maybe structuring the portfolio, looking at you know, keeping your weighting about right, but maybe adding a bit of silver in there for you to see if we can, you know, what it might look like and how it might help you.","start":209.785,"end":221.40001,"sentiment":"neutral","sentiment_score":0.25446251443788115}],"sentiment":"neutral","sentiment_score":0.11666513897331529,"num_words":152,"start":181.545,"end":221.40001},{"sentences":[{"text":"So are you open to me just sort of looking at the options and maybe making a recommendation then?","start":221.40001,"end":226.3,"sentiment":"neutral","sentiment_score":0.21627735464196457},{"text":"Yep.","start":228.76001,"end":229.26001,"sentiment":"neutral","sentiment_score":0.06725464016199112},{"text":"Yeah.","start":238.615,"end":239.115,"sentiment":"neutral","sentiment_score":0.20221972465515137},{"text":"Yeah.","start":242.615,"end":243.115,"sentiment":"neutral","sentiment_score":0.11311198770999908},{"text":"Yep.","start":267.99002,"end":268.49002,"sentiment":"neutral","sentiment_score":0.16777144372463226}],"sentiment":"neutral","sentiment_score":0.202592501497787,"num_words":23,"start":221.40001,"end":268.49002},{"sentences":[{"text":"No.","start":277.11002,"end":277.51,"sentiment":"neutral","sentiment_score":-0.042744606733322144},{"text":"So we're within your sofa, we can only purchase, like, into ETFs, but I can have a look at a few options and maybe send you an email for purchasing it, like, out by the super and how you would have to do that.","start":277.51,"end":290.82498,"sentiment":"neutral","sentiment_score":0.026463359890675},{"text":"Yeah.","start":296.02,"end":296.52,"sentiment":"neutral","sentiment_score":0.013931520283222198},{"text":"Yeah.","start":296.58002,"end":296.9,"sentiment":"neutral","sentiment_score":0.022779833525419235},{"text":"You'd need to make sure you're storing it correctly as well.","start":296.9,"end":299.54,"sentiment":"neutral","sentiment_score":0.03281048261983828}],"sentiment":"neutral","sentiment_score":0.026194308466952424,"num_words":58,"start":277.11002,"end":299.54},{"sentences":[{"text":"So making sure it's stored securely.","start":299.54,"end":301.32,"sentiment":"neutral","sentiment_score":0.054193329686919846},{"text":"Yeah.","start":309.715,"end":310.03497,"sentiment":"neutral","sentiment_score":0.06221155822277069},{"text":"Okay.","start":310.03497,"end":310.435,"sentiment":"neutral","sentiment_score":0.0904475674033165},{"text":"Perfect.","start":310.435,"end":310.91498,"sentiment":"neutral","sentiment_score":0.183654323220253},{"text":"So I'll store it.","start":310.91498,"end":312.055,"sentiment":"neutral","sentiment_score":0.10688471980392933}],"sentiment":"neutral","sentiment_score":0.08377017739873666,"num_words":13,"start":299.54,"end":312.055},{"sentences":[{"text":"Mhmm.","start":329.09,"end":329.59,"sentiment":"neutral","sentiment_score":0.03835359588265419},{"text":"Correct.","start":332.625,"end":332.94498,"sentiment":"neutral","sentiment_score":0.08401953428983688},{"text":"Yeah.","start":332.94498,"end":333.345,"sentiment":"neutral","sentiment_score":0.09722673147916794},{"text":"And you can't actually withdraw money from super to be able to purchase investments like that in your own name until you kinda hit that preservation agent turn 60 and stop and retire permanently.","start":333.345,"end":344.32498,"sentiment":"neutral","sentiment_score":0.062484043047708625},{"text":"The only other way you'd be able to do that is to set up a self managed super fund.","start":345.41,"end":349.27002,"sentiment":"neutral","sentiment_score":0.12100589216539734}],"sentiment":"neutral","sentiment_score":0.08291373707886253,"num_words":56,"start":329.09,"end":349.27002},{"sentences":[{"text":"But in that way, you need to make sure it's an arm's length transaction to have it, you know, follow the directions that you are still in the super system.","start":349.73,"end":356.79,"sentiment":"neutral","sentiment_score":-0.057255470131834345},{"text":"It's just that it's a more costly way of being able to buy it.","start":356.85,"end":360.05002,"sentiment":"neutral","sentiment_score":-0.30184401891061236},{"text":"So that makes different funds a lot more risky.","start":360.05002,"end":363.325,"sentiment":"neutral","sentiment_score":-0.2797000805536906},{"text":"Yeah.","start":363.785,"end":364.285,"sentiment":"neutral","sentiment_score":-0.27003681659698486},{"text":"Yes.","start":372.265,"end":372.74503,"sentiment":"neutral","sentiment_score":-0.07530264556407928}],"sentiment":"neutral","sentiment_score":-0.16011128283359788,"num_words":55,"start":349.73,"end":372.74503},{"sentences":[{"text":"Yeah.","start":372.74503,"end":373.065,"sentiment":"neutral","sentiment_score":-0.06024717912077904},{"text":"Correct.","start":373.065,"end":373.385,"sentiment":"neutral","sentiment_score":-0.03108757734298706},{"text":"And they're a lot more expensive as well, and you take a little bit more risk in regards that.","start":373.385,"end":376.96,"sentiment":"negative","sentiment_score":-0.36236482231240524},{"text":"So with the way your super structured at the moment, in hub twenty four, hub twenty four are the trustee.","start":376.96,"end":382.47998,"sentiment":"neutral","sentiment_score":0.04720231182873249},{"text":"They look after majority of things, and they do the tax returns and things like that for you, have the orders complete completed on your super fund.","start":382.47998,"end":389.86,"sentiment":"neutral","sentiment_score":0.09994372822068355}],"sentiment":"neutral","sentiment_score":-0.04902558061568176,"num_words":68,"start":372.74503,"end":389.86},{"sentences":[{"text":"Whereas if you're under a super fund, you become the trustee in whatever structure you choose to open it in, which means that you're ultimately responsible for following the rules, making sure your tax returns are done, getting the fund audited on a regular basis.","start":390.215,"end":403.175,"sentiment":"neutral","sentiment_score":0.023639282470362052},{"text":"It's a lot more work and a lot more costly.","start":403.175,"end":405.51,"sentiment":"negative","sentiment_score":-0.42573386132717134},{"text":"So having purchasing a bit of gold or silver in your own name is absolutely fine.","start":405.65,"end":411.01,"sentiment":"neutral","sentiment_score":0.18058055499568582},{"text":"Just maybe finding the funds elsewhere to do that.","start":411.01,"end":413.75,"sentiment":"neutral","sentiment_score":0.04788158006138272},{"text":"But, yeah, like, within WindSuper, I'm happy to maybe add a little bit silver in there.","start":414.85,"end":419.445,"sentiment":"positive","sentiment_score":0.3853749968111515}],"sentiment":"neutral","sentiment_score":0.06554845986829605,"num_words":96,"start":390.215,"end":419.445},{"sentences":[{"text":"I am looking at your other investment here, the Bannalong Australian Equities.","start":419.445,"end":423.765,"sentiment":"neutral","sentiment_score":0.12402330835660298},{"text":"I know when you spoke to Samantha, she kinda did your annual review and ran you through what was happening there.","start":423.765,"end":428.585,"sentiment":"neutral","sentiment_score":0.030114440247416496},{"text":"Bannalong, your Australian equity portion is down pretty heavily at the moment.","start":429.045,"end":433.045,"sentiment":"neutral","sentiment_score":-0.14941068490346274},{"text":"And as a business, we have kind of reviewed that investment option and have decided to remove that out of the portfolio.","start":433.045,"end":439.75,"sentiment":"neutral","sentiment_score":-0.0881002763794227},{"text":"So if you like, I could go back, maybe readjust the portfolio, look at adding a bit of physical silver in there for you.","start":440.29,"end":447.25,"sentiment":"neutral","sentiment_score":0.05876108445227146}],"sentiment":"neutral","sentiment_score":-0.0021998387566962087,"num_words":91,"start":419.445,"end":447.25},{"sentences":[{"text":"I can look at whether holding the right same amount of gold is gonna be suitable.","start":447.25,"end":451.425,"sentiment":"neutral","sentiment_score":0.09622694505378604},{"text":"I'd rather not try to sort of sell that if we don't have to.","start":451.725,"end":455.185,"sentiment":"neutral","sentiment_score":-0.13257486506232194},{"text":"And then we can look at maybe replacing the Ben along Australian equities as well and maybe utilizing the loss that it has been to offset any gains or change in the investment structure.","start":456.365,"end":465.93,"sentiment":"neutral","sentiment_score":0.05691938228247797},{"text":"Does that sound like something you're looking to me doing?","start":465.93,"end":468.27,"sentiment":"neutral","sentiment_score":0.03684566672891378},{"text":"Yep.","start":471.69,"end":472.19,"sentiment":"neutral","sentiment_score":0.3284982144832611}],"sentiment":"neutral","sentiment_score":0.03087729185819626,"num_words":75,"start":447.25,"end":472.19},{"sentences":[{"text":"Yeah.","start":474.81,"end":475.13,"sentiment":"neutral","sentiment_score":0.03835644572973251},{"text":"Yeah.","start":475.13,"end":475.45,"sentiment":"neutral","sentiment_score":0.05263171344995499},{"text":"Well, that's definitely why we wanna sort of move that.","start":475.45,"end":477.87,"sentiment":"neutral","sentiment_score":0.17378218472003937},{"text":"Unfortunately, in the last few months, one of the underlyings within Bennelong hasn't been performing correctly or doing as well.","start":478.225,"end":484.805,"sentiment":"neutral","sentiment_score":-0.2765591457486153},{"text":"Unfortunately, Bennelong haven't also taken the steps to reevaluate their underlying investments very much.","start":485.265,"end":491.425,"sentiment":"negative","sentiment_score":-0.3812734378235681}],"sentiment":"neutral","sentiment_score":-0.19652610952439514,"num_words":46,"start":474.81,"end":491.425},{"sentences":[{"text":"So as an actively managed fund, it's not very actively managed and has unfortunately been underperforming.","start":491.425,"end":497.02,"sentiment":"negative","sentiment_score":-0.3424323294311762},{"text":"So we do wanna take the steps to remove that out of everyone's portfolio and put something in its place that hasn't underperformed the way it has.","start":497.32,"end":504.855,"sentiment":"neutral","sentiment_score":-0.2257629536368229},{"text":"We are sort of removing the active managed funds and looking at something more passively managed, a bit more low cost in your super as well because reducing fees is always a big part of it.","start":505.33502,"end":516.075,"sentiment":"neutral","sentiment_score":0.043210449525051646},{"text":"But if you like, I can go back.","start":516.935,"end":518.455,"sentiment":"neutral","sentiment_score":0.08976668864488602},{"text":"I can look at the removing banner long, look at what to put in this place, make sure that the performance has been there to kinda show what it can do moving forward for you, add a bit of silver in there for you and sort of keep maybe look at doing a rebalance on your super as well to make sure you are invested in line with things correctly.","start":518.455,"end":533.08997,"sentiment":"neutral","sentiment_score":0.16495935672095843}],"sentiment":"neutral","sentiment_score":0.014307946773471346,"num_words":157,"start":491.425,"end":533.08997},{"sentences":[{"text":"Absolutely.","start":543.535,"end":544.035,"sentiment":"neutral","sentiment_score":0.18040291965007785},{"text":"Just wanna make you're right.","start":544.415,"end":546.15,"sentiment":"neutral","sentiment_score":0.14544954001903534},{"text":"I just wanna make sure that you are kind of also invested there correctly.","start":546.31,"end":549.77,"sentiment":"neutral","sentiment_score":0.13661088688032968},{"text":"So you do have a good amount of gold in there at the moment.","start":549.83,"end":553.19,"sentiment":"neutral","sentiment_score":0.1587952141250883},{"text":"So I can look at whether keeping some of that in there and retaining that level.","start":553.19,"end":557.11005,"sentiment":"neutral","sentiment_score":0.09197063441388309}],"sentiment":"neutral","sentiment_score":0.1302973236888647,"num_words":50,"start":543.535,"end":557.11005},{"sentences":[{"text":"There is a limit on how much of physical gold and silver because they are technically alternative assets.","start":557.11005,"end":562.225,"sentiment":"neutral","sentiment_score":-0.07602089333037536},{"text":"So Hub 24 does have a maximum limit that you can have in there.","start":562.225,"end":566.165,"sentiment":"neutral","sentiment_score":-0.009920022849525725},{"text":"So I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time.","start":566.465,"end":572.565,"sentiment":"neutral","sentiment_score":0.13025241259198922},{"text":"And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board.","start":573.41,"end":584.76996,"sentiment":"neutral","sentiment_score":0.23325938812416533},{"text":"Does that sound okay with you?","start":584.76996,"end":586.63,"sentiment":"neutral","sentiment_score":0.2226102203130722}],"sentiment":"neutral","sentiment_score":0.12677181366492402,"num_words":110,"start":557.11005,"end":586.63},{"sentences":[{"text":"Yep.","start":590.075,"end":590.575,"sentiment":"neutral","sentiment_score":0.030859943479299545},{"text":"That's okay.","start":590.875,"end":591.855,"sentiment":"neutral","sentiment_score":0.04124525003135204},{"text":"Yeah.","start":594.075,"end":594.575,"sentiment":"neutral","sentiment_score":0.03033865801990032},{"text":"Yeah.","start":598.97003,"end":599.37,"sentiment":"neutral","sentiment_score":-0.002722356468439102},{"text":"Of course.","start":599.37,"end":599.93005,"sentiment":"neutral","sentiment_score":0.008689668960869312}],"sentiment":"neutral","sentiment_score":0.022620869002171924,"num_words":7,"start":590.075,"end":599.93005},{"sentences":[{"text":"Understandable.","start":599.93005,"end":600.43005,"sentiment":"neutral","sentiment_score":0.0495586059987545},{"text":"And that's the other thing I sorta wanted to look at with you is because we know investment markets are gonna go up and down.","start":601.29004,"end":606.25,"sentiment":"neutral","sentiment_score":0.0033856663666665555},{"text":"There's not gonna be you know, there are gonna be points where maybe some of the investments aren't performing, and it's not because of the investment itself.","start":606.25,"end":612.645,"sentiment":"neutral","sentiment_score":-0.09975630072531877},{"text":"It's more because of the market as a whole.","start":612.645,"end":614.74506,"sentiment":"neutral","sentiment_score":-0.12002961668703291},{"text":"And, like, if your superhero isn't performing, it's gonna be because the market as a whole isn't performing correctly, and that's gonna be something outside of our control.","start":614.885,"end":622.645,"sentiment":"neutral","sentiment_score":-0.20557005197874137}],"sentiment":"neutral","sentiment_score":-0.10439386511118048,"num_words":90,"start":599.93005,"end":622.645},{"sentences":[{"text":"So it's about making sure you're invested throughout those downtimes that you're able to go through those points where the market might not be working very well, where investors are drawing large sums of money out, so you're seeing a downtime.","start":622.645,"end":635.04,"sentiment":"neutral","sentiment_score":-0.009217185036438267},{"text":"Taking advantage of those downtimes as well, allowing your contributions to keep going in so that you're buying into those discounted rates.","start":635.9,"end":642.78,"sentiment":"neutral","sentiment_score":0.2768749994310466},{"text":"They always say buy low, sell high.","start":642.78,"end":645.355,"sentiment":"neutral","sentiment_score":0.13961748353072576},{"text":"Well, when the markets are down, that's your chance to buy in low.","start":645.495,"end":648.855,"sentiment":"neutral","sentiment_score":0.15769136926302543},{"text":"So keeping your contributions going into those downtimes, you buy into the investments at the discounted rate.","start":648.855,"end":654.795,"sentiment":"neutral","sentiment_score":0.30478226568769007}],"sentiment":"neutral","sentiment_score":0.13921954102814196,"num_words":100,"start":622.645,"end":654.795},{"sentences":[{"text":"And as the market comes out, as your portfolio recovers from those downtimes, you actually make a lot more in the way of gains because you you've lowered your buy in price to those investments, and you can actually get greater growth by doing that.","start":654.855,"end":667.19,"sentiment":"positive","sentiment_score":0.5510673873954349},{"text":"So what I probably wanna have a look at doing is just sort of checking to make sure you are invested in the right portfolio as well.","start":667.19,"end":675.045,"sentiment":"neutral","sentiment_score":0.10922356336205094},{"text":"I'm just having a look to see what investment portfolio you're in at the moment.","start":675.105,"end":680.625,"sentiment":"neutral","sentiment_score":0.05263546258211136},{"text":"Sorry.","start":680.625,"end":680.945,"sentiment":"neutral","sentiment_score":-0.09171515703201294},{"text":"Won't be one second.","start":680.945,"end":682.245,"sentiment":"neutral","sentiment_score":-0.1811230145394802}],"sentiment":"neutral","sentiment_score":0.30130862355556176,"num_words":92,"start":654.855,"end":682.245},{"sentences":[{"text":"My computer's a little bit slow again this afternoon.","start":684.29004,"end":687.59,"sentiment":"neutral","sentiment_score":-0.2617299374606874},{"text":"I work it hard.","start":692.37006,"end":693.25,"sentiment":"neutral","sentiment_score":-0.1611352115869522},{"text":"I tell you what.","start":693.25,"end":694.15,"sentiment":"neutral","sentiment_score":-0.02717117127031088},{"text":"Technology can be fun when it wants to work.","start":695.49005,"end":703.47504,"sentiment":"neutral","sentiment_score":0.07169669949346119},{"text":"I'm just gonna have a look here at your last advice document.","start":704.73505,"end":708.015,"sentiment":"neutral","sentiment_score":0.09801767207682133}],"sentiment":"neutral","sentiment_score":-0.03387664758453244,"num_words":38,"start":684.29004,"end":708.015},{"sentences":[{"text":"It looks like we haven't kinda made any changes since that one was provided.","start":708.015,"end":712.03503,"sentiment":"neutral","sentiment_score":0.08821614512375422},{"text":"So that was back in 2023 there.","start":713.38,"end":715.96,"sentiment":"neutral","sentiment_score":0.1885827396597181},{"text":"Yeah.","start":721.46,"end":721.86,"sentiment":"neutral","sentiment_score":0.21456550061702728},{"text":"Yeah.","start":721.86,"end":722.34,"sentiment":"neutral","sentiment_score":0.17698243260383606},{"text":"No.","start":722.34,"end":722.58,"sentiment":"neutral","sentiment_score":0.13978396356105804}],"sentiment":"neutral","sentiment_score":0.12860154608885446,"num_words":24,"start":708.015,"end":722.58},{"sentences":[{"text":"It absolutely has.","start":722.58,"end":723.54,"sentiment":"positive","sentiment_score":0.340032160282135},{"text":"You've done really well.","start":723.54,"end":724.76,"sentiment":"positive","sentiment_score":0.6030804514884949},{"text":"We just wanna make sure it kinda keeps working really well.","start":725.805,"end":728.545,"sentiment":"positive","sentiment_score":0.3833109682256525},{"text":"And with what's happening at the moment, there is an expectation of volatility, so we are gonna see those ups and downs.","start":728.765,"end":735.425,"sentiment":"neutral","sentiment_score":-0.1353531147946011},{"text":"Yeah.","start":735.725,"end":736.225,"sentiment":"neutral","sentiment_score":-0.10841575264930724}],"sentiment":"neutral","sentiment_score":0.11128425997931783,"num_words":41,"start":722.58,"end":736.225},{"sentences":[{"text":"Yeah.","start":739.82,"end":740.32,"sentiment":"neutral","sentiment_score":-0.0880049616098404},{"text":"Yeah.","start":741.5,"end":742.0,"sentiment":"neutral","sentiment_score":-0.07008778303861618},{"text":"Yes.","start":752.63495,"end":753.13495,"sentiment":"neutral","sentiment_score":0.024162840098142624},{"text":"Absolutely.","start":753.435,"end":753.935,"sentiment":"neutral","sentiment_score":0.04139041155576706},{"text":"Most definitely.","start":754.39496,"end":755.035,"sentiment":"neutral","sentiment_score":0.012947717681527138}],"sentiment":"neutral","sentiment_score":-0.011107342938582102,"num_words":6,"start":739.82,"end":755.035},{"sentences":[{"text":"And one of the biggest things to remember is when it comes to investments, the biggest effect the biggest factor affecting it is human emotion.","start":755.035,"end":762.975,"sentiment":"neutral","sentiment_score":-0.08485179960727691},{"text":"So when you're seeing lots of people pulling money out and drawing, it's because they've heard something that's making them feel emotional about what's gonna happen, and they're technically causing the downtime.","start":763.035,"end":773.37006,"sentiment":"neutral","sentiment_score":-0.21605225815437734},{"text":"They're starting to sell out or to jump out of a certain investment, which is then the on flow effect.","start":773.43005,"end":778.74506,"sentiment":"neutral","sentiment_score":-0.24083854965865611},{"text":"Other people see it dropping, and they wanna move money as well.","start":778.74506,"end":781.965,"sentiment":"neutral","sentiment_score":-0.18539122119545937},{"text":"So that's essentially, human emotion is the biggest factor to rely on when we are looking at investment markets and the way they go.","start":782.265,"end":789.325,"sentiment":"neutral","sentiment_score":-0.11036896441752712}],"sentiment":"neutral","sentiment_score":-0.16571051366956888,"num_words":113,"start":755.035,"end":789.325},{"sentences":[{"text":"The biggest thing we can do, and it's the hardest thing, is to remove that emotion and remember that what you're invested in has been around for a long time.","start":789.465,"end":796.91,"sentiment":"neutral","sentiment_score":-0.29276086886723834},{"text":"It has seen those ups and downs, and we'll continue to withstand those ups and downs as long as you're comfortable with staying through those down times and not selling emotionally.","start":796.91,"end":806.05,"sentiment":"neutral","sentiment_score":-0.2503502993814407},{"text":"And that can be the hardest thing is removing that emotion and thinking logically about the investments and what you're invested in.","start":806.885,"end":812.825,"sentiment":"neutral","sentiment_score":-0.2811209593306888},{"text":"But if you can do that, you can benefit greatly from from the ups and the downtime.","start":813.045,"end":817.785,"sentiment":"positive","sentiment_score":0.46503990187364463},{"text":"Yeah.","start":821.38,"end":821.88,"sentiment":"neutral","sentiment_score":0.1023324504494667}],"sentiment":"neutral","sentiment_score":-0.14574589772094595,"num_words":101,"start":789.465,"end":821.88},{"sentences":[{"text":"Mhmm.","start":829.7,"end":830.2,"sentiment":"neutral","sentiment_score":0.06919346749782562},{"text":"Yep.","start":842.005,"end":842.505,"sentiment":"neutral","sentiment_score":0.11407184600830078},{"text":"Yeah.","start":874.44995,"end":874.85,"sentiment":"neutral","sentiment_score":0.05490516871213913},{"text":"Yeah.","start":874.85,"end":875.35,"sentiment":"neutral","sentiment_score":0.03910403698682785},{"text":"No.","start":875.41,"end":875.73,"sentiment":"neutral","sentiment_score":0.042426176369190216}],"sentiment":"neutral","sentiment_score":0.06394013911485671,"num_words":5,"start":829.7,"end":875.73},{"sentences":[{"text":"That's okay.","start":875.73,"end":876.55,"sentiment":"neutral","sentiment_score":0.11468738317489624},{"text":"Well, you've done well with you.","start":877.73,"end":879.25,"sentiment":"positive","sentiment_score":0.3358041892449061},{"text":"And watching it can be one of the biggest emotional things.","start":879.25,"end":881.64996,"sentiment":"neutral","sentiment_score":0.033285216174342415},{"text":"I've got, you know, friends and and clients who look at things on a regular basis, and they get really nervous when they see things dropping or going down, and it can be quite nerve wracking.","start":881.64996,"end":891.835,"sentiment":"neutral","sentiment_score":-0.23328168348719677},{"text":"So the best thing is to not look at it every day.","start":891.835,"end":894.715,"sentiment":"neutral","sentiment_score":0.01593747114141782}],"sentiment":"neutral","sentiment_score":-0.08353065182246379,"num_words":67,"start":875.73,"end":894.715},{"sentences":[{"text":"Maybe look at it once every couple of weeks or every couple of months and just kind of be comfortable with what you're investing in.","start":894.715,"end":901.02997,"sentiment":"neutral","sentiment_score":0.17240101128816604},{"text":"But, also, just not investing anything that has that's too risky, too speculative, that hasn't been around for a long time and got a track record as well, if that makes sense.","start":901.02997,"end":909.52997,"sentiment":"neutral","sentiment_score":-0.31675462145358324},{"text":"Yep.","start":922.76,"end":923.26,"sentiment":"neutral","sentiment_score":0.19151723384857175},{"text":"Absolutely.","start":924.92,"end":925.42,"sentiment":"positive","sentiment_score":0.5528466701507568},{"text":"Yeah.","start":927.0,"end":927.5,"sentiment":"neutral","sentiment_score":0.10444101691246031}],"sentiment":"neutral","sentiment_score":-0.08295529472331206,"num_words":60,"start":894.715,"end":927.5},{"sentences":[{"text":"Absolutely.","start":927.64,"end":928.14,"sentiment":"neutral","sentiment_score":0.02838744968175888},{"text":"Yeah.","start":931.08,"end":931.58,"sentiment":"neutral","sentiment_score":0.003557345829904079},{"text":"Yeah.","start":940.05505,"end":940.55505,"sentiment":"neutral","sentiment_score":-0.009451226331293585},{"text":"Can be a bit of an emotional roller coaster at times.","start":949.82996,"end":952.64996,"sentiment":"negative","sentiment_score":-0.35126802731644025},{"text":"Yeah.","start":957.58997,"end":958.07,"sentiment":"neutral","sentiment_score":-0.07731358706951141}],"sentiment":"neutral","sentiment_score":-0.26125122122466565,"num_words":15,"start":927.64,"end":958.07},{"sentences":[{"text":"No.","start":958.07,"end":958.31,"sentiment":"neutral","sentiment_score":-0.11719546467065813},{"text":"That's completely understandable.","start":958.31,"end":959.76996,"sentiment":"neutral","sentiment_score":-0.10826703409353892},{"text":"That's all good.","start":959.91,"end":960.625,"sentiment":"neutral","sentiment_score":0.20580004652341208},{"text":"Well, I'll definitely work hard at trying to help you get to that point, making sure we do our reviews and catch ups and making sure that we give you those updates so you can be on track.","start":960.625,"end":968.805,"sentiment":"neutral","sentiment_score":0.22931578402456484},{"text":"Having a look at things now, you're 38 this year.","start":969.90497,"end":973.17,"sentiment":"neutral","sentiment_score":0.04577221106737852}],"sentiment":"neutral","sentiment_score":0.16994773593138565,"num_words":55,"start":958.07,"end":973.17},{"sentences":[{"text":"Do you know what age I know I had here when you came on board originally, you were hoping to maybe access super at about age 67.","start":973.17,"end":979.99,"sentiment":"neutral","sentiment_score":0.02807915369393649},{"text":"Is that kinda still your goal, age, or do you think you'd wanna access it earlier at this point?","start":980.21,"end":984.63,"sentiment":"neutral","sentiment_score":0.004448143618279382},{"text":"That's okay.","start":988.305,"end":989.04504,"sentiment":"neutral","sentiment_score":-0.0572577528655529},{"text":"I hear you.","start":994.625,"end":995.505,"sentiment":"neutral","sentiment_score":-0.0156963262706995},{"text":"I hear you.","start":995.505,"end":996.385,"sentiment":"neutral","sentiment_score":-0.00521002213160197}],"sentiment":"neutral","sentiment_score":0.012322543102695985,"num_words":54,"start":973.17,"end":996.385},{"sentences":[{"text":"No.","start":996.385,"end":996.625,"sentiment":"neutral","sentiment_score":-0.056637927889823914},{"text":"That's okay.","start":996.625,"end":997.34503,"sentiment":"neutral","sentiment_score":0.033645481802523136},{"text":"That's not a problem, Adele.","start":997.34503,"end":998.72504,"sentiment":"neutral","sentiment_score":0.18444254994392395},{"text":"Look.","start":999.0,"end":999.12,"sentiment":"neutral","sentiment_score":0.1027342528104782},{"text":"At the moment, what I'd be doing is updating things on a regular basis anyway.","start":999.12,"end":1003.24,"sentiment":"neutral","sentiment_score":0.12213936199744542}],"sentiment":"neutral","sentiment_score":0.1194871028419584,"num_words":24,"start":996.385,"end":1003.24},{"sentences":[{"text":"So when we look at updating the advice, I I know Wendy came on board originally.","start":1003.24,"end":1007.96,"sentiment":"neutral","sentiment_score":0.020518466597422957},{"text":"The advice document will sort of show you what the expectation was right up into age 67, but because there are so many factors at place, so many things in your life that can change, and being as you are only 38 this year sorry.","start":1007.96,"end":1020.78503,"sentiment":"neutral","sentiment_score":-0.0021988548131452665},{"text":"I'd be looking to update the advice and maybe look at the next ten years and just keep updating things to keep you on track along the way.","start":1021.16504,"end":1027.345,"sentiment":"neutral","sentiment_score":0.043577643222241544},{"text":"I don't really like the idea of showing you, you know, the next thirty years of what the market reaction expectations might be like because there's too many variables that can change in that instance.","start":1028.41,"end":1038.35,"sentiment":"neutral","sentiment_score":-0.30368632205895013},{"text":"So we'll start with something smaller.","start":1038.41,"end":1040.57,"sentiment":"neutral","sentiment_score":-0.02808596845716238}],"sentiment":"neutral","sentiment_score":-0.07190781595089413,"num_words":130,"start":1003.24,"end":1040.57},{"sentences":[{"text":"We'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track.","start":1040.57,"end":1045.375,"sentiment":"neutral","sentiment_score":0.05837363318393105},{"text":"Does that sound okay?","start":1045.375,"end":1046.5149,"sentiment":"neutral","sentiment_score":0.06891863700002432},{"text":"Beautiful.","start":1050.335,"end":1050.835,"sentiment":"positive","sentiment_score":0.4882485270500183},{"text":"Absolutely.","start":1059.98,"end":1060.48,"sentiment":"neutral","sentiment_score":-0.04457132890820503},{"text":"Absolutely.","start":1061.98,"end":1062.48,"sentiment":"neutral","sentiment_score":0.08330630511045456}],"sentiment":"neutral","sentiment_score":0.07352911852873288,"num_words":26,"start":1040.57,"end":1062.48},{"sentences":[{"text":"Absolutely.","start":1063.1799,"end":1063.6799,"sentiment":"neutral","sentiment_score":0.08029145002365112},{"text":"No.","start":1063.98,"end":1064.2999,"sentiment":"neutral","sentiment_score":0.04046766087412834},{"text":"Not a problem.","start":1064.2999,"end":1064.78,"sentiment":"neutral","sentiment_score":0.04001675918698311},{"text":"I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time.","start":1064.78,"end":1069.36,"sentiment":"neutral","sentiment_score":-0.038149869555364486},{"text":"Oh, dear.","start":1075.885,"end":1076.445,"sentiment":"neutral","sentiment_score":0.004624148830771446}],"sentiment":"neutral","sentiment_score":-0.02091297712177038,"num_words":30,"start":1063.1799,"end":1076.445},{"sentences":[{"text":"I actually said to my husband, I've got a our son's old scooter out in the backyard.","start":1076.445,"end":1080.525,"sentiment":"neutral","sentiment_score":-0.00321344324551961},{"text":"He can learn the scooter to work.","start":1080.525,"end":1082.3049,"sentiment":"neutral","sentiment_score":0.005813864724976676},{"text":"Yeah.","start":1092.71,"end":1093.21,"sentiment":"neutral","sentiment_score":-0.06884809583425522},{"text":"Absolutely.","start":1097.045,"end":1097.545,"sentiment":"neutral","sentiment_score":-0.0027737505733966827},{"text":"No.","start":1098.3251,"end":1098.725,"sentiment":"neutral","sentiment_score":-0.09184451401233672}],"sentiment":"neutral","sentiment_score":-0.0065702904636661215,"num_words":27,"start":1076.445,"end":1098.725},{"sentences":[{"text":"Definitely.","start":1098.725,"end":1099.225,"sentiment":"neutral","sentiment_score":-0.0639757364988327},{"text":"The next thing I kinda wanna just just sorta gauge on for you is I know you sorta said you're not overly sorta stressed about things.","start":1100.0851,"end":1106.0851,"sentiment":"neutral","sentiment_score":-0.08196520432829857},{"text":"You have a longer time horizon ahead of you.","start":1106.0851,"end":1108.0851,"sentiment":"neutral","sentiment_score":-0.09763330635097292},{"text":"But when you do sort of see your super balance fall due to, you know, external market factors, does it sort of worry you in any way?","start":1108.0851,"end":1114.87,"sentiment":"neutral","sentiment_score":-0.17451567368374932},{"text":"Are you feeling a bit concerned, or you're sort of not worried knowing that you do have a, you know, until 60 ahead of you before you're able to access sleep at this point?","start":1114.87,"end":1122.97,"sentiment":"neutral","sentiment_score":-0.17927700434537494}],"sentiment":"neutral","sentiment_score":-0.14310424890100343,"num_words":97,"start":1098.725,"end":1122.97},{"sentences":[{"text":"Yeah.","start":1128.845,"end":1129.345,"sentiment":"neutral","sentiment_score":-0.11739592254161836},{"text":"Yeah.","start":1132.605,"end":1133.105,"sentiment":"neutral","sentiment_score":-0.0699276477098465},{"text":"Mhmm.","start":1144.9401,"end":1145.4401,"sentiment":"neutral","sentiment_score":-0.06974290311336517},{"text":"Yeah.","start":1150.155,"end":1150.655,"sentiment":"neutral","sentiment_score":-0.056523360311985016},{"text":"Yeah.","start":1155.355,"end":1155.855,"sentiment":"neutral","sentiment_score":-0.042338110506534576}],"sentiment":"neutral","sentiment_score":-0.07118558883666992,"num_words":5,"start":1128.845,"end":1155.855},{"sentences":[{"text":"Yeah.","start":1157.035,"end":1157.535,"sentiment":"neutral","sentiment_score":-0.09204168617725372},{"text":"Yep.","start":1165.13,"end":1165.4501,"sentiment":"neutral","sentiment_score":0.03477742522954941},{"text":"Yep.","start":1165.4501,"end":1165.9501,"sentiment":"neutral","sentiment_score":0.13513489067554474},{"text":"Perfect.","start":1166.01,"end":1166.51,"sentiment":"positive","sentiment_score":0.45606666803359985},{"text":"Perfect.","start":1166.81,"end":1167.31,"sentiment":"positive","sentiment_score":0.4249202013015747}],"sentiment":"neutral","sentiment_score":0.191771499812603,"num_words":5,"start":1157.035,"end":1167.31},{"sentences":[{"text":"Do you think when it comes to sort of market jobs, you'd be more inclined to sort of hold and wait, less inclined to make emotional decisions, and maybe more comfortable calling us?","start":1167.8501,"end":1176.235,"sentiment":"neutral","sentiment_score":0.008598174307156693},{"text":"Or do you think you'd be looking at there's a buying opportunity and trying to put more money in?","start":1176.235,"end":1180.555,"sentiment":"neutral","sentiment_score":-0.005902499450664771},{"text":"How do you think drops might sort of make you feel or start to react?","start":1180.555,"end":1184.255,"sentiment":"neutral","sentiment_score":-0.13028816630442938},{"text":"Yep.","start":1194.6,"end":1195.1,"sentiment":"neutral","sentiment_score":0.03203798830509186},{"text":"Yeah.","start":1195.16,"end":1195.66,"sentiment":"neutral","sentiment_score":0.032117944210767746}],"sentiment":"neutral","sentiment_score":-0.02490687390546436,"num_words":69,"start":1167.8501,"end":1195.66},{"sentences":[{"text":"You do so?","start":1207.175,"end":1208.0751,"sentiment":"neutral","sentiment_score":-0.0291243518392245},{"text":"Yeah.","start":1208.615,"end":1209.015,"sentiment":"neutral","sentiment_score":0.04666783660650253},{"text":"Yep.","start":1209.015,"end":1209.515,"sentiment":"neutral","sentiment_score":0.07027289271354675},{"text":"I, yeah, yeah, yeah, Yep.","start":1209.655,"end":1223.525,"sentiment":"neutral","sentiment_score":0.034841828793287274},{"text":"Yeah.","start":1223.525,"end":1223.925,"sentiment":"neutral","sentiment_score":0.159488707780838}],"sentiment":"neutral","sentiment_score":0.03302413868633183,"num_words":11,"start":1207.175,"end":1223.925},{"sentences":[{"text":"Perfect.","start":1223.925,"end":1224.245,"sentiment":"neutral","sentiment_score":0.0712592601776123},{"text":"So you'd be looking for more guidance on how to react in those scenarios.","start":1224.245,"end":1227.465,"sentiment":"neutral","sentiment_score":-0.006632094404527119},{"text":"Yeah.","start":1230.005,"end":1230.505,"sentiment":"neutral","sentiment_score":0.17555126547813416},{"text":"Perfect.","start":1230.565,"end":1231.065,"sentiment":"positive","sentiment_score":0.5093594193458557},{"text":"All good.","start":1232.245,"end":1232.805,"sentiment":"neutral","sentiment_score":0.27845795452594757}],"sentiment":"neutral","sentiment_score":0.06422297538895357,"num_words":19,"start":1223.925,"end":1232.805},{"sentences":[{"text":"And have you yeah.","start":1232.805,"end":1234.585,"sentiment":"neutral","sentiment_score":4.552304744720459e-6},{"text":"No.","start":1234.85,"end":1235.01,"sentiment":"neutral","sentiment_score":-0.014957936480641363},{"text":"That's okay.","start":1235.01,"end":1235.65,"sentiment":"neutral","sentiment_score":0.11287762224674225},{"text":"That's perfect.","start":1235.65,"end":1236.47,"sentiment":"positive","sentiment_score":0.6464834809303284},{"text":"It's a really good reaction.","start":1236.53,"end":1237.75,"sentiment":"positive","sentiment_score":0.6199506044387817}],"sentiment":"neutral","sentiment_score":0.3288239643775991,"num_words":14,"start":1232.805,"end":1237.75},{"sentences":[{"text":"And the last one here is have you ever thought about taking a loan?","start":1238.53,"end":1241.3301,"sentiment":"neutral","sentiment_score":-0.013936516429696764},{"text":"Have you ever considered borrowing funds in order to invest in shares or managed funds, or do you think that's probably a bit too risky?","start":1241.3301,"end":1247.75,"sentiment":"neutral","sentiment_score":-0.12442215323448182},{"text":"Yep.","start":1252.235,"end":1252.735,"sentiment":"neutral","sentiment_score":-0.03765344247221947},{"text":"Yeah.","start":1254.955,"end":1255.455,"sentiment":"neutral","sentiment_score":0.01119492668658495},{"text":"Yeah.","start":1255.755,"end":1256.075,"sentiment":"neutral","sentiment_score":0.08413684368133545}],"sentiment":"neutral","sentiment_score":-0.07733301745195474,"num_words":42,"start":1238.53,"end":1256.075},{"sentences":[{"text":"Perfect.","start":1256.075,"end":1256.575,"sentiment":"neutral","sentiment_score":0.19445914030075073},{"text":"Do you have any you're right.","start":1256.635,"end":1258.235,"sentiment":"neutral","sentiment_score":0.014339283108711243},{"text":"Sorry.","start":1258.235,"end":1258.735,"sentiment":"neutral","sentiment_score":-0.1509726643562317},{"text":"Yep.","start":1281.225,"end":1281.725,"sentiment":"neutral","sentiment_score":-0.2451239824295044},{"text":"Yep.","start":1282.985,"end":1283.485,"sentiment":"neutral","sentiment_score":-0.13644185662269592}],"sentiment":"neutral","sentiment_score":-0.02520436644554138,"num_words":10,"start":1256.075,"end":1283.485},{"sentences":[{"text":"Yep.","start":1291.0,"end":1291.5,"sentiment":"neutral","sentiment_score":-0.07679646462202072},{"text":"Yeah.","start":1293.88,"end":1294.38,"sentiment":"neutral","sentiment_score":-0.009360311552882196},{"text":"No.","start":1294.6,"end":1294.84,"sentiment":"neutral","sentiment_score":-0.06706266850233078},{"text":"That's that's a that's a good way to look at it.","start":1294.84,"end":1297.4,"sentiment":"neutral","sentiment_score":0.06654554029757326},{"text":"That's perfect.","start":1297.4,"end":1298.14,"sentiment":"positive","sentiment_score":0.4343881905078888}],"sentiment":"neutral","sentiment_score":0.09047236747574061,"num_words":16,"start":1291.0,"end":1298.14},{"sentences":[{"text":"And do you have any goals to buy investment properties in the future, or are you happy just sort of trying to pay down your current mortgage as much as possible?","start":1299.4349,"end":1306.7949,"sentiment":"neutral","sentiment_score":0.06138602355795522},{"text":"What's your other goals moving forward?","start":1306.7949,"end":1308.735,"sentiment":"neutral","sentiment_score":0.020611452870070934},{"text":"Yeah.","start":1311.45,"end":1311.95,"sentiment":"neutral","sentiment_score":-0.049241241067647934},{"text":"Okay.","start":1317.13,"end":1317.63,"sentiment":"neutral","sentiment_score":0.015054361894726752},{"text":"Perfect.","start":1319.05,"end":1319.55,"sentiment":"neutral","sentiment_score":0.076194167137146}],"sentiment":"neutral","sentiment_score":0.05171606838703156,"num_words":40,"start":1299.4349,"end":1319.55},{"sentences":[{"text":"Yeah.","start":1323.865,"end":1324.365,"sentiment":"neutral","sentiment_score":0.02838727086782455},{"text":"Yeah.","start":1324.665,"end":1325.165,"sentiment":"neutral","sentiment_score":0.06406580656766891},{"text":"Mhmm.","start":1330.665,"end":1331.165,"sentiment":"neutral","sentiment_score":0.06858609616756439},{"text":"Yeah.","start":1335.96,"end":1336.46,"sentiment":"neutral","sentiment_score":0.0475488156080246},{"text":"Yeah.","start":1345.24,"end":1345.64,"sentiment":"neutral","sentiment_score":-0.06333771347999573}],"sentiment":"neutral","sentiment_score":0.029050055146217345,"num_words":5,"start":1323.865,"end":1345.64},{"sentences":[{"text":"Yeah.","start":1345.64,"end":1345.96,"sentiment":"neutral","sentiment_score":0.06393679976463318},{"text":"Perfect.","start":1345.96,"end":1346.46,"sentiment":"neutral","sentiment_score":0.28684160113334656},{"text":"No.","start":1346.6,"end":1346.84,"sentiment":"neutral","sentiment_score":0.1761106252670288},{"text":"Excellent.","start":1346.84,"end":1347.34,"sentiment":"positive","sentiment_score":0.4090083837509155},{"text":"Well, I've just sort of done the risk profile questionnaire with you to kinda gauge where your risk level is sitting, where your tolerance is, and what sort of portfolio you should be in.","start":1348.0249,"end":1356.765,"sentiment":"neutral","sentiment_score":0.05172318285878967}],"sentiment":"neutral","sentiment_score":0.07090751650302034,"num_words":38,"start":1345.64,"end":1356.765},{"sentences":[{"text":"Essentially, having a look at that, you actually have scored there as a growth investor, and you are in kind of that growth environment at the moment.","start":1357.385,"end":1364.49,"sentiment":"neutral","sentiment_score":0.05527947429153654},{"text":"So you generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed properties, and commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest there.","start":1364.49,"end":1380.3451,"sentiment":"neutral","sentiment_score":0.028967039619127045},{"text":"The growth environment suits someone who has at least six years to be invested.","start":1380.885,"end":1384.905,"sentiment":"neutral","sentiment_score":-0.04135175395224776},{"text":"They're not wanting to access their money for about six years at a minimum.","start":1385.4451,"end":1388.665,"sentiment":"neutral","sentiment_score":-0.2022229912025588},{"text":"You're averaging or trying to get the expected average returns of about seven to 9% on a yearly basis compounding.","start":1389.37,"end":1395.87,"sentiment":"neutral","sentiment_score":-0.12354538291692733}],"sentiment":"neutral","sentiment_score":-0.025255574067392626,"num_words":121,"start":1357.385,"end":1395.87},{"sentences":[{"text":"And with this sort of portfolio, the likelihood of a negative return is expected sort of one in every five years.","start":1396.8099,"end":1402.985,"sentiment":"neutral","sentiment_score":-0.256005795229049},{"text":"Do you feel like this sort of environment sort of suits you realistically from everything you've told me?","start":1402.985,"end":1408.265,"sentiment":"neutral","sentiment_score":-0.037302140767375626},{"text":"The growth portfolio still suits your risk capacity quite comfortably, but are you comfortable remaining in that sort of portfolio?","start":1408.265,"end":1414.765,"sentiment":"neutral","sentiment_score":-0.06447233874350786},{"text":"Yeah.","start":1420.0,"end":1420.5,"sentiment":"neutral","sentiment_score":-0.12370352447032928},{"text":"Absolutely.","start":1420.88,"end":1421.38,"sentiment":"neutral","sentiment_score":-0.1416029930114746}],"sentiment":"neutral","sentiment_score":-0.12462809058975001,"num_words":61,"start":1396.8099,"end":1421.38},{"sentences":[{"text":"Yeah.","start":1429.2151,"end":1429.535,"sentiment":"neutral","sentiment_score":0.02106819860637188},{"text":"Yep.","start":1429.535,"end":1429.935,"sentiment":"neutral","sentiment_score":0.06865862011909485},{"text":"That's perfect.","start":1429.935,"end":1430.8351,"sentiment":"neutral","sentiment_score":0.2768922597169876},{"text":"Abs absolutely.","start":1443.15,"end":1444.05,"sentiment":"neutral","sentiment_score":0.13904540240764618},{"text":"Well, I'm looking at the the portfolio you're in, and everything has been performing really well.","start":1444.27,"end":1448.27,"sentiment":"neutral","sentiment_score":0.19006417179480195}],"sentiment":"neutral","sentiment_score":0.18011949507688935,"num_words":22,"start":1429.2151,"end":1448.27},{"sentences":[{"text":"So when I look at how all the individual investments have been performing, everything is up except for that ban along there.","start":1448.27,"end":1454.3501,"sentiment":"neutral","sentiment_score":0.0761242621916939},{"text":"So as it is a business decision to kinda remove that it is underperforming, it's time to get that out of there.","start":1454.3501,"end":1460.265,"sentiment":"neutral","sentiment_score":-0.2493033693595366},{"text":"Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing.","start":1460.4851,"end":1465.9451,"sentiment":"positive","sentiment_score":0.5565193373905984},{"text":"And I've had a really good look around at what we're sort of expecting.","start":1467.61,"end":1470.59,"sentiment":"positive","sentiment_score":0.5555120344672885},{"text":"So one of the good ways to sort of understand and look at whether, you know, what we're expecting around about volatility is looking at the VIX index that kind of looks at the markets, how things are reacting, but sort of tracks and shows are we expecting, you know, over the next sort of thirty odd days or so, volatile times around of the S and P 500.","start":1470.6499,"end":1490.755,"sentiment":"neutral","sentiment_score":0.16840197329503903}],"sentiment":"neutral","sentiment_score":0.179183778716634,"num_words":146,"start":1448.27,"end":1490.755},{"sentences":[{"text":"Because most things follow suit in The US market.","start":1490.755,"end":1493.655,"sentiment":"neutral","sentiment_score":0.0895208865404129},{"text":"And that has sort of been over about 20% for the last sort of five to six days that I can see here, which kinda shows that we are expecting that volatility within the markets over the next month.","start":1494.48,"end":1506.74,"sentiment":"neutral","sentiment_score":0.12907822735798666},{"text":"The VIX index goes up pretty heavily on a regular basis, and it's it's gone up and been fluctuating pretty drastically.","start":1507.645,"end":1514.865,"sentiment":"neutral","sentiment_score":0.27645812999634517},{"text":"But, generally, when the VIX index shows you less than 20%, it's sort of showing that the market's expected to be fairly stable, whereas anything over 20% is showing that it's expecting volatility within the market there.","start":1515.005,"end":1526.75,"sentiment":"neutral","sentiment_score":0.06078669602504453},{"text":"So this has been showing over the 20% for at least the last five to six days, and I kind of look at that every now, see what it is doing.","start":1526.75,"end":1536.485,"sentiment":"neutral","sentiment_score":0.19178672303115168}],"sentiment":"neutral","sentiment_score":0.1448164652747503,"num_words":137,"start":1490.755,"end":1536.485},{"sentences":[{"text":"So we do expect those volatile times to stay.","start":1536.485,"end":1539.1449,"sentiment":"neutral","sentiment_score":0.12196616000599331},{"text":"But in saying that this growth portfolio suits where you're at, it suits your time horizon.","start":1539.2849,"end":1543.3049,"sentiment":"neutral","sentiment_score":0.26351655926555395},{"text":"We can take advantage of those downtimes.","start":1543.9249,"end":1545.7849,"sentiment":"neutral","sentiment_score":0.23580102356416838},{"text":"And whilst we wanna get rid of that along at the moment, we can look at rebalancing your portfolio.","start":1545.845,"end":1550.97,"sentiment":"neutral","sentiment_score":0.04736252697674852},{"text":"We can look at adding a bit of silver in there, and we can also just look at, you know, offsetting any capital gains within the fund by the fact that Bennelong is down a little bit there.","start":1551.11,"end":1561.99,"sentiment":"neutral","sentiment_score":0.1750881193499816}],"sentiment":"neutral","sentiment_score":0.1631213943944888,"num_words":89,"start":1536.485,"end":1561.99},{"sentences":[{"text":"So we can utilize that to our advantage.","start":1561.99,"end":1564.09,"sentiment":"positive","sentiment_score":0.4002535082399845},{"text":"And if you're comfortable, I'll go back and do the research for you.","start":1564.15,"end":1567.235,"sentiment":"neutral","sentiment_score":0.32328532063044035},{"text":"I'll update the recommendations, adding a bills adding a bit of silver for you as per your preference.","start":1567.235,"end":1572.535,"sentiment":"neutral","sentiment_score":0.30873967469152475},{"text":"And then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you.","start":1573.0751,"end":1582.01,"sentiment":"neutral","sentiment_score":0.0870005686301738},{"text":"How does that sound, Rhys?","start":1582.01,"end":1583.31,"sentiment":"neutral","sentiment_score":0.10923928916454315}],"sentiment":"neutral","sentiment_score":0.21437192132304372,"num_words":76,"start":1561.99,"end":1583.31},{"sentences":[{"text":"Yep.","start":1585.21,"end":1585.6901,"sentiment":"neutral","sentiment_score":0.2761257290840149},{"text":"Perfect.","start":1585.6901,"end":1586.1901,"sentiment":"positive","sentiment_score":0.6316022872924805},{"text":"All good.","start":1586.41,"end":1587.15,"sentiment":"positive","sentiment_score":0.5375208556652069},{"text":"Is there any sort of changes?","start":1587.77,"end":1589.05,"sentiment":"neutral","sentiment_score":0.09735523660977681},{"text":"I know Samantha did a bit of a review there with you.","start":1589.05,"end":1591.29,"sentiment":"neutral","sentiment_score":0.045967490412294865}],"sentiment":"neutral","sentiment_score":0.14175050146877766,"num_words":22,"start":1585.21,"end":1591.29},{"sentences":[{"text":"One of your goals moving forward was trying to reduce the mortgage as much as possible.","start":1591.29,"end":1595.365,"sentiment":"neutral","sentiment_score":0.05713660106994212},{"text":"You're hoping to reduce it by at least 50 k.","start":1595.365,"end":1598.345,"sentiment":"neutral","sentiment_score":0.07165686413645744},{"text":"Is there any kind of time horizon you're looking to try and reduce your mortgage by, or is it just trying to pay it down as quickly as possible?","start":1598.965,"end":1606.025,"sentiment":"neutral","sentiment_score":0.038458563451623094},{"text":"I hope not.","start":1612.1799,"end":1612.82,"sentiment":"negative","sentiment_score":-0.4034770627816518},{"text":"We've already have one.","start":1612.82,"end":1614.12,"sentiment":"neutral","sentiment_score":-0.25541822612285614}],"sentiment":"neutral","sentiment_score":0.008289492028134485,"num_words":62,"start":1591.29,"end":1614.12},{"sentences":[{"text":"Yeah.","start":1619.555,"end":1620.055,"sentiment":"neutral","sentiment_score":-0.021555911749601364},{"text":"Yeah.","start":1620.435,"end":1620.835,"sentiment":"neutral","sentiment_score":-0.02516677044332027},{"text":"I know.","start":1620.835,"end":1621.235,"sentiment":"neutral","sentiment_score":-0.03748246096074581},{"text":"I've looked at what they're saying as well.","start":1621.235,"end":1623.235,"sentiment":"neutral","sentiment_score":-0.04990562563762069},{"text":"The it's it's funny.","start":1623.235,"end":1624.515,"sentiment":"neutral","sentiment_score":-0.08979366160929203}],"sentiment":"neutral","sentiment_score":-0.05500670347828418,"num_words":16,"start":1619.555,"end":1624.515},{"sentences":[{"text":"It's everything's very subjective.","start":1624.515,"end":1626.435,"sentiment":"neutral","sentiment_score":-0.11964273825287819},{"text":"And when you sort of look and talk to the different economists, they sort of say different things.","start":1626.435,"end":1630.195,"sentiment":"neutral","sentiment_score":-0.07118823524150583},{"text":"They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right.","start":1630.195,"end":1645.43,"sentiment":"neutral","sentiment_score":-0.09947572782635689},{"text":"We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out there.","start":1645.43,"end":1650.965,"sentiment":"neutral","sentiment_score":-0.17195695102214814},{"text":"Absolutely.","start":1656.065,"end":1656.565,"sentiment":"neutral","sentiment_score":0.0532427579164505}],"sentiment":"neutral","sentiment_score":-0.1120349652685073,"num_words":98,"start":1624.515,"end":1656.565},{"sentences":[{"text":"Absolutely.","start":1657.105,"end":1657.605,"sentiment":"neutral","sentiment_score":0.065933957695961},{"text":"Yeah.","start":1659.2649,"end":1659.7649,"sentiment":"neutral","sentiment_score":-0.0395018607378006},{"text":"Absolutely.","start":1665.41,"end":1665.91,"sentiment":"neutral","sentiment_score":-0.00028769858181476593},{"text":"I do agree with you.","start":1666.2101,"end":1667.5901,"sentiment":"neutral","sentiment_score":-0.03935728892683983},{"text":"Yeah.","start":1680.305,"end":1680.805,"sentiment":"neutral","sentiment_score":0.07065198570489883}],"sentiment":"neutral","sentiment_score":-0.011110006728106074,"num_words":9,"start":1657.105,"end":1680.805},{"sentences":[{"text":"No.","start":1680.8651,"end":1681.025,"sentiment":"neutral","sentiment_score":-0.04085827246308327},{"text":"That's okay.","start":1681.025,"end":1681.925,"sentiment":"neutral","sentiment_score":0.13625338673591614},{"text":"That's not an issue.","start":1682.0651,"end":1683.025,"sentiment":"neutral","sentiment_score":0.16507449001073837},{"text":"I sort of like the variable as much as the rate go up and down.","start":1683.025,"end":1686.06,"sentiment":"neutral","sentiment_score":0.24779937167962393},{"text":"Having a variable contract allows you to pay extra under the mortgage.","start":1686.3,"end":1689.42,"sentiment":"neutral","sentiment_score":0.31434532503287}],"sentiment":"neutral","sentiment_score":0.2465023804894265,"num_words":34,"start":1680.8651,"end":1689.42},{"sentences":[{"text":"And if you are putting extra in there and utilizing your offset to the full advantage, the rate rises have less of an impact on your on your on your mortgage and your and your and your repayment.","start":1689.42,"end":1700.0,"sentiment":"neutral","sentiment_score":0.23989441579109744},{"text":"Sorry.","start":1700.14,"end":1700.64,"sentiment":"neutral","sentiment_score":-0.0834536999464035},{"text":"Yeah.","start":1722.84,"end":1723.34,"sentiment":"neutral","sentiment_score":-0.04412442445755005},{"text":"Yeah.","start":1723.72,"end":1724.22,"sentiment":"neutral","sentiment_score":-0.02062414214015007},{"text":"No.","start":1724.6,"end":1724.84,"sentiment":"neutral","sentiment_score":-0.0809013843536377}],"sentiment":"neutral","sentiment_score":0.21159247974199907,"num_words":42,"start":1689.42,"end":1724.84},{"sentences":[{"text":"It's all good.","start":1724.84,"end":1725.9,"sentiment":"neutral","sentiment_score":0.11326571802298228},{"text":"Perfect.","start":1726.365,"end":1726.865,"sentiment":"neutral","sentiment_score":0.3298988938331604},{"text":"Well, I can go back and have a really good look, and I'll take the advice there for you.","start":1727.485,"end":1731.165,"sentiment":"positive","sentiment_score":0.49223315715789795},{"text":"Just having a quick look, did you want me to book in a time now to maybe come back and have that presented?","start":1731.165,"end":1735.485,"sentiment":"neutral","sentiment_score":0.16395413389672403},{"text":"It'll take me probably about sort of two to three weeks to get everything sorted for you.","start":1735.485,"end":1740.705,"sentiment":"neutral","sentiment_score":0.04577796194044983}],"sentiment":"neutral","sentiment_score":0.23129042010340425,"num_words":63,"start":1724.84,"end":1740.705},{"sentences":[{"text":"Is there a day that sort of suits you best to kinda go through the updated advice document?","start":1741.28,"end":1746.34,"sentiment":"neutral","sentiment_score":0.1060756395260493},{"text":"Yep.","start":1750.24,"end":1750.5599,"sentiment":"neutral","sentiment_score":0.07802718132734299},{"text":"That's okay.","start":1750.5599,"end":1751.2,"sentiment":"neutral","sentiment_score":0.11505863443017007},{"text":"What if we look at the April 1?","start":1751.2,"end":1754.575,"sentiment":"neutral","sentiment_score":0.017740795155987144},{"text":"So it's in about two weeks.","start":1754.575,"end":1756.115,"sentiment":"neutral","sentiment_score":0.022219231507430475}],"sentiment":"neutral","sentiment_score":0.0712213631985443,"num_words":35,"start":1741.28,"end":1756.115},{"sentences":[{"text":"And I can book it in for sorry.","start":1756.335,"end":1758.655,"sentiment":"neutral","sentiment_score":-0.0025380325969308615},{"text":"You're right?","start":1758.655,"end":1759.315,"sentiment":"neutral","sentiment_score":-0.00843145465478301},{"text":"That is it's the Wednesday before Easter.","start":1761.775,"end":1764.275,"sentiment":"neutral","sentiment_score":-0.0028722181783190797},{"text":"If not, I could do it the week after.","start":1768.11,"end":1770.19,"sentiment":"neutral","sentiment_score":-0.026889172279172473},{"text":"I'm away for a week from the sixth to the tenth.","start":1770.19,"end":1772.59,"sentiment":"neutral","sentiment_score":-0.06962210380218246}],"sentiment":"neutral","sentiment_score":-0.028786983504589345,"num_words":37,"start":1756.335,"end":1772.59},{"sentences":[{"text":"That's all.","start":1772.59,"end":1773.07,"sentiment":"neutral","sentiment_score":-0.03805536590516567},{"text":"So I could do it the following week, which is the that's okay?","start":1773.07,"end":1776.37,"sentiment":"neutral","sentiment_score":-0.020221752866816062},{"text":"Yeah.","start":1777.725,"end":1778.225,"sentiment":"neutral","sentiment_score":-0.0004608314484357834},{"text":"Okay.","start":1783.3251,"end":1783.805,"sentiment":"neutral","sentiment_score":0.0513780415058136},{"text":"Yep.","start":1783.805,"end":1784.285,"sentiment":"neutral","sentiment_score":0.093293234705925}],"sentiment":"neutral","sentiment_score":-0.010821281906424297,"num_words":18,"start":1772.59,"end":1784.285},{"sentences":[{"text":"Perfect.","start":1784.285,"end":1784.785,"sentiment":"neutral","sentiment_score":0.2555246949195862},{"text":"So if I do it maybe Wednesday, April 1, I'm just having a quick look at the time.","start":1785.3251,"end":1792.2999,"sentiment":"neutral","sentiment_score":0.06339998087949222},{"text":"So we are still on daylight savings time there for you at the moment because it lands on the April 5.","start":1792.2999,"end":1800.3201,"sentiment":"neutral","sentiment_score":0.04639703798152152},{"text":"So I could do the same.","start":1800.86,"end":1802.32,"sentiment":"neutral","sentiment_score":0.028741180896759033},{"text":"Yeah.","start":1803.705,"end":1804.205,"sentiment":"neutral","sentiment_score":0.07700422406196594}],"sentiment":"neutral","sentiment_score":0.05575560548521103,"num_words":47,"start":1784.285,"end":1804.205},{"sentences":[{"text":"Yeah.","start":1804.425,"end":1804.745,"sentiment":"neutral","sentiment_score":0.0985947847366333},{"text":"Does that work for you?","start":1804.745,"end":1805.965,"sentiment":"neutral","sentiment_score":0.1405988648533821},{"text":"Yep.","start":1809.0651,"end":1809.5651,"sentiment":"neutral","sentiment_score":0.17314830422401428},{"text":"Perfect.","start":1810.745,"end":1811.245,"sentiment":"positive","sentiment_score":0.5924558639526367},{"text":"Not a problem at all.","start":1811.625,"end":1812.665,"sentiment":"positive","sentiment_score":0.4235207736492157}],"sentiment":"neutral","sentiment_score":0.28344593426355946,"num_words":13,"start":1804.425,"end":1812.665},{"sentences":[{"text":"I'll pop that one in there for you, Rachel.","start":1812.665,"end":1814.265,"sentiment":"positive","sentiment_score":0.39198364151848686},{"text":"I have a little text message reminder as well.","start":1814.265,"end":1816.29,"sentiment":"neutral","sentiment_score":0.1397922080424097},{"text":"I'll get cracking on that research there for you.","start":1816.61,"end":1818.77,"sentiment":"positive","sentiment_score":0.40205402506722343},{"text":"I'll chat to you on the first one, use for the updated recommendations, and then you can let me know what you wanna do moving forward.","start":1818.77,"end":1824.31,"sentiment":"neutral","sentiment_score":0.2986234214443427},{"text":"Okay?","start":1824.4501,"end":1824.9501,"sentiment":"neutral","sentiment_score":0.21774303913116455}],"sentiment":"neutral","sentiment_score":0.3034522383025399,"num_words":54,"start":1812.665,"end":1824.9501},{"sentences":[{"text":"Yeah.","start":1828.305,"end":1828.7051,"sentiment":"neutral","sentiment_score":0.05491417646408081},{"text":"Absolutely.","start":1828.7051,"end":1829.2051,"sentiment":"neutral","sentiment_score":0.06713193655014038},{"text":"No.","start":1837.265,"end":1837.5851,"sentiment":"neutral","sentiment_score":-0.2297484576702118},{"text":"Look.","start":1837.5851,"end":1837.8251,"sentiment":"neutral","sentiment_score":-0.16123506426811218},{"text":"Honestly, there's we do not try to pick the highs and lows.","start":1837.8251,"end":1841.4451,"sentiment":"neutral","sentiment_score":-0.24182336404919624}],"sentiment":"neutral","sentiment_score":-0.1981761110946536,"num_words":16,"start":1828.305,"end":1841.4451},{"sentences":[{"text":"I mean, if we sort of looked back at the last thirty odd years and we would have picked any one of these investments at any point in time, you could have said that was the highest point.","start":1842.09,"end":1849.61,"sentiment":"neutral","sentiment_score":-0.11045244728264056},{"text":"But between thirty years ago to now, everything has gone up drastically even more.","start":1849.61,"end":1855.545,"sentiment":"neutral","sentiment_score":0.06615605631044932},{"text":"I mean, we're seeing huge, huge returns on gold and silver.","start":1855.545,"end":1857.865,"sentiment":"positive","sentiment_score":0.3414030440829017},{"text":"So, realistically, as we are dollar cost averaging over time, there's never a bad opportunity to buy.","start":1857.865,"end":1864.285,"sentiment":"neutral","sentiment_score":0.13392785892767065},{"text":"It's sort of that getting in and continuously investing through the ups and downs to take advantage of those moments without trying to pick the market.","start":1865.145,"end":1873.4501,"sentiment":"neutral","sentiment_score":0.011889785528182983}],"sentiment":"neutral","sentiment_score":0.028965408509632327,"num_words":106,"start":1842.09,"end":1873.4501},{"sentences":[{"text":"If we tried to pick the highs and lows, I could guarantee you we would all miss.","start":1873.8301,"end":1877.8301,"sentiment":"neutral","sentiment_score":-0.2741122727884966},{"text":"No one ever picks it correctly.","start":1877.8301,"end":1879.77,"sentiment":"neutral","sentiment_score":-0.17391295606891313},{"text":"Yeah.","start":1881.35,"end":1881.8301,"sentiment":"neutral","sentiment_score":-0.02437042072415352},{"text":"Sorry.","start":1881.8301,"end":1882.3301,"sentiment":"neutral","sentiment_score":-0.10477086901664734},{"text":"Correct.","start":1891.8251,"end":1892.3251,"sentiment":"neutral","sentiment_score":0.02881130389869213}],"sentiment":"neutral","sentiment_score":-0.2232198599869242,"num_words":26,"start":1873.8301,"end":1892.3251},{"sentences":[{"text":"Yep.","start":1894.545,"end":1895.045,"sentiment":"neutral","sentiment_score":0.0020171727519482374},{"text":"Yep.","start":1895.94,"end":1896.44,"sentiment":"neutral","sentiment_score":0.20242485404014587},{"text":"Mhmm.","start":1902.02,"end":1902.52,"sentiment":"neutral","sentiment_score":0.2157028317451477},{"text":"Yeah.","start":1916.195,"end":1916.595,"sentiment":"neutral","sentiment_score":0.11685502529144288},{"text":"Correct.","start":1916.595,"end":1917.095,"sentiment":"neutral","sentiment_score":0.14551301300525665}],"sentiment":"neutral","sentiment_score":0.13650257936678828,"num_words":5,"start":1894.545,"end":1917.095},{"sentences":[{"text":"Correct.","start":1917.315,"end":1917.815,"sentiment":"neutral","sentiment_score":0.1922450065612793},{"text":"And 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well.","start":1943.555,"end":1944.755,"sentiment":"positive","sentiment_score":0.54990154504776}],"sentiment":"neutral","sentiment_score":0.22146155918528745,"num_words":91,"start":1917.315,"end":1944.755},{"sentences":[{"text":"And if you look at how gold and silver has grown over the last thirty years there, You know, we do expect over the next sort of thirty years for it to still be there, to still keep growing.","start":1944.755,"end":1955.9199,"sentiment":"neutral","sentiment_score":0.16038174373217118},{"text":"And yeah.","start":1956.94,"end":1957.4199,"sentiment":"neutral","sentiment_score":0.06571250781416893},{"text":"Look.","start":1957.4199,"end":1957.74,"sentiment":"neutral","sentiment_score":0.08557868003845215},{"text":"I'll be honest.","start":1957.74,"end":1958.2999,"sentiment":"neutral","sentiment_score":0.06374416003624599},{"text":"I never try to pick the highs and lows.","start":1958.2999,"end":1960.0599,"sentiment":"neutral","sentiment_score":-0.029349197530084185}],"sentiment":"neutral","sentiment_score":0.11849965562147123,"num_words":54,"start":1944.755,"end":1960.0599},{"sentences":[{"text":"I'd rather just pick a time, put the money into the market, and then continuously dollar cost averaging to continue my buy ins.","start":1960.0599,"end":1966.805,"sentiment":"neutral","sentiment_score":0.06450253876897952},{"text":"That way, you're averaging out the buy price.","start":1967.025,"end":1969.185,"sentiment":"neutral","sentiment_score":0.1148305106908083},{"text":"You're averaging out your returns, and you're averaging out the risk a little bit as well and taking advantage of whatever the markets throw at you.","start":1969.185,"end":1977.045,"sentiment":"neutral","sentiment_score":0.11444340359706145},{"text":"Yep.","start":1979.01,"end":1979.51,"sentiment":"neutral","sentiment_score":0.07273466140031815},{"text":"Yeah.","start":1982.77,"end":1983.27,"sentiment":"neutral","sentiment_score":-0.01955799199640751}],"sentiment":"neutral","sentiment_score":0.09204928203627973,"num_words":59,"start":1960.0599,"end":1983.27},{"sentences":[{"text":"Exactly.","start":1985.8099,"end":1986.3099,"sentiment":"neutral","sentiment_score":0.05461251735687256},{"text":"Exactly.","start":1986.61,"end":1987.11,"sentiment":"neutral","sentiment_score":0.0874074324965477},{"text":"Yes.","start":1996.625,"end":1997.125,"sentiment":"neutral","sentiment_score":0.10854984819889069},{"text":"Yep.","start":1998.465,"end":1998.965,"sentiment":"neutral","sentiment_score":0.19269445538520813},{"text":"Absolutely.","start":1999.4249,"end":1999.9249,"sentiment":"positive","sentiment_score":0.345498651266098}],"sentiment":"neutral","sentiment_score":0.15775258094072342,"num_words":5,"start":1985.8099,"end":1999.9249},{"sentences":[{"text":"Perfect.","start":2004.4,"end":2004.9,"sentiment":"positive","sentiment_score":0.713861346244812},{"text":"I like it.","start":2005.12,"end":2006.1,"sentiment":"positive","sentiment_score":0.6213492552439371},{"text":"Lovely.","start":2006.24,"end":2006.74,"sentiment":"positive","sentiment_score":0.7745194435119629},{"text":"All good.","start":2007.12,"end":2007.86,"sentiment":"positive","sentiment_score":0.5855196416378021},{"text":"Yeah.","start":2009.68,"end":2010.18,"sentiment":"neutral","sentiment_score":0.16913515329360962}],"sentiment":"positive","sentiment_score":0.586575374007225,"num_words":8,"start":2004.4,"end":2010.18},{"sentences":[{"text":"Perfect.","start":2011.28,"end":2011.78,"sentiment":"positive","sentiment_score":0.5515637397766113},{"text":"Not a problem at all.","start":2012.48,"end":2013.52,"sentiment":"positive","sentiment_score":0.3945394217967987},{"text":"Well, I'll get cracking on the research there for you.","start":2013.52,"end":2015.52,"sentiment":"positive","sentiment_score":0.4113707780838013},{"text":"I've booked you in for the first 03:30 Queensland time, 04:30 your time, so I can go through the advice with you.","start":2015.52,"end":2021.555,"sentiment":"neutral","sentiment_score":0.19341000711376016},{"text":"I know you'll be driving the time, so don't stress.","start":2021.555,"end":2023.7151,"sentiment":"neutral","sentiment_score":0.16311960369348527}],"sentiment":"neutral","sentiment_score":0.26092051714658737,"num_words":48,"start":2011.28,"end":2023.7151},{"sentences":[{"text":"I'll be able to run through those recommendations and send you the document so you can have a read of it, after the call, and then you can let us know whether you're happy to take on those recommendations or not.","start":2023.7151,"end":2033.41,"sentiment":"neutral","sentiment_score":0.2223671887342523},{"text":"Okay?","start":2033.41,"end":2033.91,"sentiment":"neutral","sentiment_score":0.16135326027870178},{"text":"Easy.","start":2035.89,"end":2036.37,"sentiment":"positive","sentiment_score":0.4876735806465149},{"text":"Thank you so much for your time.","start":2036.37,"end":2037.81,"sentiment":"positive","sentiment_score":0.6887630820274353},{"text":"If there are any additional questions, please let me know.","start":2037.81,"end":2040.87,"sentiment":"neutral","sentiment_score":0.10940750688314438}],"sentiment":"neutral","sentiment_score":0.2613583037008842,"num_words":60,"start":2023.7151,"end":2040.87},{"sentences":[{"text":"The only other thing I probably will also just wanted to double check with you just for the insurance side of things.","start":2041.9049,"end":2047.105,"sentiment":"neutral","sentiment_score":0.03569277816198089},{"text":"I know with your annual review, that's Samantha would have gone through.","start":2047.105,"end":2050.2249,"sentiment":"neutral","sentiment_score":0.06721574813127518},{"text":"Just so I had a bit of a chat about the level of insurances you do have there with your life, your TPD, and your income protection cover.","start":2050.2249,"end":2056.41,"sentiment":"neutral","sentiment_score":0.04424916048135076},{"text":"Are you happy with the amounts you have?","start":2056.41,"end":2059.21,"sentiment":"neutral","sentiment_score":0.0436337455175817},{"text":"Did you wanna kinda look at reviewing those at all, or you're still happy to keep them at the same level?","start":2059.21,"end":2065.47,"sentiment":"neutral","sentiment_score":0.047372937113756224}],"sentiment":"neutral","sentiment_score":0.04587591466094766,"num_words":91,"start":2041.9049,"end":2065.47},{"sentences":[{"text":"Yep.","start":2067.0498,"end":2067.5498,"sentiment":"neutral","sentiment_score":0.10591647028923036},{"text":"Yep.","start":2081.0,"end":2081.5,"sentiment":"neutral","sentiment_score":0.068820059299469},{"text":"Yep.","start":2083.4,"end":2083.9,"sentiment":"neutral","sentiment_score":0.06874991953372955},{"text":"Yeah.","start":2088.52,"end":2089.02,"sentiment":"neutral","sentiment_score":0.019970597699284554},{"text":"Yeah.","start":2091.88,"end":2092.38,"sentiment":"neutral","sentiment_score":-0.0052018482238054276}],"sentiment":"neutral","sentiment_score":0.051651039719581605,"num_words":5,"start":2067.0498,"end":2092.38},{"sentences":[{"text":"Yep.","start":2094.255,"end":2094.755,"sentiment":"neutral","sentiment_score":0.03146519511938095},{"text":"That's okay.","start":2095.4548,"end":2096.275,"sentiment":"neutral","sentiment_score":0.03144512325525284},{"text":"The income protection?","start":2099.2148,"end":2104.595,"sentiment":"neutral","sentiment_score":-0.015925197551647823},{"text":"Yep.","start":2106.9402,"end":2107.4402,"sentiment":"neutral","sentiment_score":-0.001615029526874423},{"text":"So the income protection is showing a monthly benefit.","start":2111.02,"end":2114.8,"sentiment":"neutral","sentiment_score":0.00041914648479885526}],"sentiment":"neutral","sentiment_score":0.003046071113203652,"num_words":16,"start":2094.255,"end":2114.8},{"sentences":[{"text":"The monthly benefit based on the income I have here shows you're over insured just a little bit there, but having that amount does mean if you get a pay rise, you might be able to claim more depending on the income, you know, at the time of disability.","start":2115.26,"end":2129.755,"sentiment":"neutral","sentiment_score":-0.00435113620811275},{"text":"But income protection pays out a monthly benefit in the event of being unable to work in the shorter term due to illness or injury.","start":2130.615,"end":2137.51,"sentiment":"neutral","sentiment_score":0.0004030492901802063},{"text":"Yeah.","start":2139.81,"end":2140.31,"sentiment":"neutral","sentiment_score":0.023386655375361443},{"text":"It pays out as a monthly benefit.","start":2142.37,"end":2144.1501,"sentiment":"neutral","sentiment_score":0.053779318396534236},{"text":"Yeah.","start":2144.21,"end":2144.71,"sentiment":"neutral","sentiment_score":0.03368736803531647}],"sentiment":"neutral","sentiment_score":0.00277590132823371,"num_words":83,"start":2115.26,"end":2144.71},{"sentences":[{"text":"Oh, yes.","start":2147.185,"end":2148.145,"sentiment":"neutral","sentiment_score":0.003103338647633791},{"text":"Sorry.","start":2148.145,"end":2148.645,"sentiment":"neutral","sentiment_score":-0.01239537075161934},{"text":"Before income tax, the monthly benefit is a 5,915 And 15.","start":2149.025,"end":2159.3,"sentiment":"neutral","sentiment_score":0.009352442512119358},{"text":"Yeah.","start":2159.36,"end":2159.86,"sentiment":"neutral","sentiment_score":0.029153570532798767},{"text":"So with income protection, you can be, yeah, you can be covered for up to 70% of your income.","start":2160.1602,"end":2165.52,"sentiment":"neutral","sentiment_score":0.07795298981823419}],"sentiment":"neutral","sentiment_score":0.04726319268400617,"num_words":34,"start":2147.185,"end":2165.52},{"sentences":[{"text":"70%.","start":2165.52,"end":2166.32,"sentiment":"neutral","sentiment_score":0.02217745780944824},{"text":"So I've got your income as being about 93,000.","start":2166.32,"end":2169.2202,"sentiment":"neutral","sentiment_score":0.021454774257209566},{"text":"Is that right income wise for you at the moment, Rhys?","start":2170.0,"end":2172.74,"sentiment":"neutral","sentiment_score":0.028983590616421265},{"text":"Yeah.","start":2175.105,"end":2175.605,"sentiment":"neutral","sentiment_score":0.012127525173127651},{"text":"Yeah.","start":2179.185,"end":2179.665,"sentiment":"neutral","sentiment_score":0.012192392721772194}],"sentiment":"neutral","sentiment_score":0.024278688730429047,"num_words":23,"start":2165.52,"end":2179.665},{"sentences":[{"text":"So it's 70% of your income.","start":2179.665,"end":2181.585,"sentiment":"neutral","sentiment_score":0.017105236028631527},{"text":"So 70% of 93,000 means the yearly benefit's about $65,100, which means the monthly benefit claimable is about 5,425, and you're covered for $5.09 $1.05 at the moment.","start":2181.585,"end":2195.1301,"sentiment":"neutral","sentiment_score":0.017228682641871274},{"text":"So you can keep it at the same amount.","start":2195.1301,"end":2197.29,"sentiment":"neutral","sentiment_score":0.02949733825193511},{"text":"It does mean that if your income increases, that you've got that higher benefit amount.","start":2197.29,"end":2201.805,"sentiment":"neutral","sentiment_score":-0.014733655316134294},{"text":"If we did look at decreasing that, if you then wanted to increase it down the track, it could become more expensive if there's changes to your health.","start":2201.805,"end":2209.805,"sentiment":"neutral","sentiment_score":-0.09183030735169138}],"sentiment":"neutral","sentiment_score":-0.022578405362532236,"num_words":86,"start":2179.665,"end":2209.805},{"sentences":[{"text":"There could be loadings or exclusions applied So keeping it, the amount it's not a huge difference, and it does allow for increases to your wage.","start":2209.805,"end":2217.8699,"sentiment":"neutral","sentiment_score":-0.023616367521194313},{"text":"Yep.","start":2220.49,"end":2220.99,"sentiment":"neutral","sentiment_score":0.017502915114164352},{"text":"Yep.","start":2224.25,"end":2224.73,"sentiment":"neutral","sentiment_score":0.0961863100528717},{"text":"Perfect.","start":2224.73,"end":2225.23,"sentiment":"positive","sentiment_score":0.4211363196372986},{"text":"Excellent.","start":2225.7698,"end":2226.2698,"sentiment":"positive","sentiment_score":0.4694204926490784}],"sentiment":"neutral","sentiment_score":0.013007349396745365,"num_words":30,"start":2209.805,"end":2226.2698},{"sentences":[{"text":"Lovely.","start":2226.41,"end":2226.91,"sentiment":"positive","sentiment_score":0.4653309583663941},{"text":"Yep.","start":2230.945,"end":2231.445,"sentiment":"neutral","sentiment_score":0.08328750729560852},{"text":"Per week.","start":2232.385,"end":2233.205,"sentiment":"neutral","sentiment_score":0.0981944128870964},{"text":"Perfect.","start":2233.345,"end":2233.845,"sentiment":"neutral","sentiment_score":0.2686005234718323},{"text":"Yep.","start":2235.345,"end":2235.845,"sentiment":"neutral","sentiment_score":0.0708884671330452}],"sentiment":"neutral","sentiment_score":0.18074938034017882,"num_words":6,"start":2226.41,"end":2235.845},{"sentences":[{"text":"Beautiful.","start":2235.905,"end":2236.405,"sentiment":"positive","sentiment_score":0.35217493772506714},{"text":"No.","start":2236.705,"end":2236.945,"sentiment":"neutral","sentiment_score":0.1447126865386963},{"text":"Excellent.","start":2236.945,"end":2237.445,"sentiment":"neutral","sentiment_score":0.31485360860824585},{"text":"Perfect.","start":2237.665,"end":2238.165,"sentiment":"neutral","sentiment_score":0.07270678132772446},{"text":"I can see here that you don't have any trauma.","start":2238.465,"end":2240.625,"sentiment":"neutral","sentiment_score":-0.007344490289688111}],"sentiment":"neutral","sentiment_score":0.05792879366448948,"num_words":14,"start":2235.905,"end":2240.625},{"sentences":[{"text":"Has anyone ever spoken to you about what trauma cover is and how that works at all?","start":2240.625,"end":2245.2,"sentiment":"neutral","sentiment_score":0.009641478166860692},{"text":"Yeah.","start":2251.0198,"end":2251.5198,"sentiment":"neutral","sentiment_score":-0.165312260389328},{"text":"That's okay.","start":2255.035,"end":2255.7551,"sentiment":"neutral","sentiment_score":0.18565910309553146},{"text":"You're absolutely fine.","start":2255.7551,"end":2256.875,"sentiment":"positive","sentiment_score":0.39039433002471924},{"text":"Not a problem at all.","start":2256.875,"end":2257.915,"sentiment":"neutral","sentiment_score":0.17622469067573548}],"sentiment":"neutral","sentiment_score":0.08650776850325721,"num_words":28,"start":2240.625,"end":2257.915},{"sentences":[{"text":"So what I'll do is with yeah.","start":2257.915,"end":2260.235,"sentiment":"neutral","sentiment_score":-0.01299685931631497},{"text":"You're right.","start":2260.235,"end":2260.975,"sentiment":"neutral","sentiment_score":0.05292823351919651},{"text":"Yeah.","start":2264.315,"end":2264.815,"sentiment":"neutral","sentiment_score":-0.01923925243318081},{"text":"Mhmm.","start":2275.6099,"end":2276.1099,"sentiment":"neutral","sentiment_score":-0.1506447196006775},{"text":"Yeah.","start":2289.705,"end":2289.865,"sentiment":"neutral","sentiment_score":0.07455702126026154}],"sentiment":"neutral","sentiment_score":-0.006704041579117377,"num_words":12,"start":2257.915,"end":2289.865},{"sentences":[{"text":"That's okay.","start":2289.865,"end":2290.585,"sentiment":"neutral","sentiment_score":0.10549700632691383},{"text":"So trauma tends to pay out, like, a lump sum tax free benefit in the event of, say, a major traumatic diagnosis.","start":2290.585,"end":2296.16,"sentiment":"neutral","sentiment_score":0.023084730841219425},{"text":"Generally, things like Parkinson's or cancer is a big one, heart attack, stroke, certain things like that.","start":2297.1,"end":2304.96,"sentiment":"neutral","sentiment_score":-0.054435292039723956},{"text":"Trauma, you do have to pay for out of your back pocket, so it does affect your expenditure.","start":2305.1,"end":2309.655,"sentiment":"neutral","sentiment_score":-0.08458678238093853},{"text":"You can't hold it inside super like you do your life, your TPD, your income protection.","start":2309.955,"end":2314.375,"sentiment":"neutral","sentiment_score":-0.05163100745994598}],"sentiment":"neutral","sentiment_score":-0.034069334343075755,"num_words":75,"start":2289.865,"end":2314.375},{"sentences":[{"text":"So it is definitely a personal choice, and we do sort of find that at the moment a lot of people have trouble paying for things like trauma out of pocket with the the way living expenses are, but it's a personal decision.","start":2315.0752,"end":2326.56,"sentiment":"neutral","sentiment_score":-0.016765253141868944},{"text":"You don't have to sort of look at it.","start":2326.56,"end":2327.92,"sentiment":"neutral","sentiment_score":0.034554752624697156},{"text":"We can always scope it out for now and then come back to that down the track if you decide you wanna relook at it.","start":2327.92,"end":2333.22,"sentiment":"neutral","sentiment_score":0.061682912509422747},{"text":"Yeah.","start":2338.175,"end":2338.495,"sentiment":"neutral","sentiment_score":0.073177270591259},{"text":"That's okay.","start":2338.495,"end":2339.215,"sentiment":"neutral","sentiment_score":0.17971357703208923}],"sentiment":"neutral","sentiment_score":0.019559551573911448,"num_words":80,"start":2315.0752,"end":2339.215},{"sentences":[{"text":"That's honestly not a problem.","start":2339.215,"end":2340.5752,"sentiment":"positive","sentiment_score":0.4116353869438171},{"text":"I'm glad that at least I spoke to you about it.","start":2340.5752,"end":2342.895,"sentiment":"positive","sentiment_score":0.5008601139892231},{"text":"If you haven't heard of it before today, at least you know it is an option down the track if you do wanna look at it.","start":2342.895,"end":2348.16,"sentiment":"neutral","sentiment_score":0.20161180542065546},{"text":"So with the scoping of the advice there, it'll be more around your super, looking at altering the portfolio and how that looks for you over the next few years there, but I will have to just limit scoping the insurances.","start":2348.48,"end":2359.3599,"sentiment":"neutral","sentiment_score":0.05748347111228036},{"text":"We're not looking to change any of those at the moment, but because they are paid out of super, it does have an effect on your super balance as well.","start":2359.3599,"end":2366.185,"sentiment":"neutral","sentiment_score":-0.09441073661049207}],"sentiment":"neutral","sentiment_score":0.10915084377722403,"num_words":113,"start":2339.215,"end":2366.185},{"sentences":[{"text":"So it's important that we have that in as a limited side of things.","start":2366.185,"end":2369.405,"sentiment":"neutral","sentiment_score":0.084854463913611},{"text":"And I just wanted to double check your beneficiaries as well just so I am kinda updating things for you.","start":2370.665,"end":2376.125,"sentiment":"neutral","sentiment_score":0.1992815513163805},{"text":"It's always important just to check that they're correct.","start":2376.71,"end":2379.19,"sentiment":"neutral","sentiment_score":0.12084091785881254},{"text":"I can see there's no real beneficiary nominations on your super, so it is really important that they be updated.","start":2379.19,"end":2385.13,"sentiment":"neutral","sentiment_score":0.04846379798837006},{"text":"Did Samantha sort of have a chat to you about the beneficiary side of things and who you would want to have nominated in the event of passing away at all?","start":2385.99,"end":2393.4949,"sentiment":"neutral","sentiment_score":0.0359797089570953}],"sentiment":"neutral","sentiment_score":0.088785199141328,"num_words":94,"start":2366.185,"end":2393.4949},{"sentences":[{"text":"Oh, did you want us to kinda help you by pre filling them out and maybe helping you along?","start":2399.875,"end":2405.575,"sentiment":"neutral","sentiment_score":0.11137381352876362},{"text":"That way, you just have to have them signed and witnessed.","start":2405.635,"end":2407.895,"sentiment":"neutral","sentiment_score":0.09388796273957599},{"text":"Yep.","start":2410.4,"end":2410.9,"sentiment":"neutral","sentiment_score":0.03708956390619278},{"text":"Normally, they have a limit.","start":2413.68,"end":2415.22,"sentiment":"neutral","sentiment_score":-0.12446317672729493},{"text":"Normally, they have a limit on how long ago they have to have been signed.","start":2415.68,"end":2419.2998,"sentiment":"neutral","sentiment_score":-0.13453015188376108}],"sentiment":"neutral","sentiment_score":0.010699832337159737,"num_words":51,"start":2399.875,"end":2419.2998},{"sentences":[{"text":"Okay.","start":2422.635,"end":2422.955,"sentiment":"neutral","sentiment_score":0.03134121000766754},{"text":"No worries at all.","start":2422.955,"end":2423.995,"sentiment":"neutral","sentiment_score":0.061783730052411556},{"text":"Did you want us to help prefill, like, the beneficiary information for you and make it easier, or you're happy to do so?","start":2423.995,"end":2430.955,"sentiment":"neutral","sentiment_score":0.13694042744843857},{"text":"Not a problem.","start":2430.955,"end":2431.7751,"sentiment":"neutral","sentiment_score":-0.16890526314576468},{"text":"Sorry.","start":2433.5151,"end":2434.0151,"sentiment":"neutral","sentiment_score":-0.07305824756622314}],"sentiment":"neutral","sentiment_score":0.08901037264149636,"num_words":32,"start":2422.635,"end":2434.0151},{"sentences":[{"text":"Yeah.","start":2436.1199,"end":2436.44,"sentiment":"neutral","sentiment_score":0.0897478312253952},{"text":"You're honestly fine.","start":2436.44,"end":2437.48,"sentiment":"neutral","sentiment_score":0.1288894588748614},{"text":"Look.","start":2437.48,"end":2437.88,"sentiment":"neutral","sentiment_score":0.07289537787437439},{"text":"In all honesty, they can be the most annoying forms to fill out, but at the same time, they're there to protect your super as well.","start":2437.88,"end":2444.04,"sentiment":"neutral","sentiment_score":-0.03521856479346752},{"text":"So it is really important that they are completed and sent back.","start":2444.04,"end":2447.265,"sentiment":"neutral","sentiment_score":0.11820439870158832}],"sentiment":"neutral","sentiment_score":0.02446701594216879,"num_words":43,"start":2436.1199,"end":2447.265},{"sentences":[{"text":"Is it more that you're wanting everything to sort of be paid to your wife to a lease if anything happened to yourself?","start":2447.7449,"end":2452.9648,"sentiment":"neutral","sentiment_score":0.003814118387906448},{"text":"I mean, you absolutely could, but in all honesty, because they're all 18, if anything happened to you, the payout going to your kids, it goes to her anyway because the money isn't paid direct to them.","start":2458.065,"end":2468.59,"sentiment":"neutral","sentiment_score":-0.2565575395081494},{"text":"It's paid to their guardian, so she probably ends up with it anyway.","start":2468.59,"end":2471.97,"sentiment":"neutral","sentiment_score":-0.2783524256486159},{"text":"Yeah.","start":2476.005,"end":2476.505,"sentiment":"neutral","sentiment_score":-0.32917511463165283},{"text":"She sounds like a good self.","start":2479.285,"end":2481.065,"sentiment":"negative","sentiment_score":-0.3790195683638255}],"sentiment":"neutral","sentiment_score":-0.19533472871407867,"num_words":80,"start":2447.7449,"end":2481.065},{"sentences":[{"text":"Yeah.","start":2486.3398,"end":2486.66,"sentiment":"neutral","sentiment_score":-0.021806325763463977},{"text":"No.","start":2486.66,"end":2486.98,"sentiment":"neutral","sentiment_score":-0.06450441479682922},{"text":"That's understandable.","start":2486.98,"end":2487.7998,"sentiment":"neutral","sentiment_score":-0.005836306605488062},{"text":"Not a problem at all.","start":2488.18,"end":2489.7998,"sentiment":"neutral","sentiment_score":0.0996664047241211},{"text":"We'll keep that a secret.","start":2489.8599,"end":2491.16,"sentiment":"neutral","sentiment_score":0.11140156090259552}],"sentiment":"neutral","sentiment_score":0.06838260531159383,"num_words":14,"start":2486.3398,"end":2491.16},{"sentences":[{"text":"The privacy laws are there to protect you.","start":2491.22,"end":2493.4,"sentiment":"neutral","sentiment_score":-0.04075143672525883},{"text":"Yeah.","start":2497.0598,"end":2497.5598,"sentiment":"neutral","sentiment_score":-0.04917709529399872},{"text":"No.","start":2500.335,"end":2500.575,"sentiment":"neutral","sentiment_score":-0.13569095730781555},{"text":"That's okay.","start":2500.575,"end":2501.215,"sentiment":"neutral","sentiment_score":-0.025829827412962914},{"text":"I sort of let everyone know as well.","start":2501.215,"end":2502.815,"sentiment":"neutral","sentiment_score":0.019363610539585352}],"sentiment":"neutral","sentiment_score":-0.020381515845656395,"num_words":20,"start":2491.22,"end":2502.815},{"sentences":[{"text":"It is really important to let your spouse know that you do have life insurance.","start":2502.815,"end":2505.7751,"sentiment":"neutral","sentiment_score":0.05317511136333148},{"text":"You don't have to let them know how much it is, but just letting them know that we are your advisers.","start":2505.7751,"end":2510.2751,"sentiment":"neutral","sentiment_score":0.03159737285403978},{"text":"Having our phone number somewhere handy is also important because if anything happened to you, it's a really hard time for them.","start":2510.495,"end":2516.5898,"sentiment":"neutral","sentiment_score":-0.19286593388427387},{"text":"And at least having the, you know, the kids there can be can make it a little bit harder.","start":2516.81,"end":2520.75,"sentiment":"neutral","sentiment_score":-0.2390607211150621},{"text":"So she can just call us.","start":2521.21,"end":2522.5698,"sentiment":"neutral","sentiment_score":0.06146251906951269}],"sentiment":"neutral","sentiment_score":-0.08379828472094364,"num_words":83,"start":2502.815,"end":2522.5698},{"sentences":[{"text":"We can help, you know, with the claims process and make everything a little bit smoother.","start":2522.5698,"end":2526.99,"sentiment":"neutral","sentiment_score":0.20418591611087322},{"text":"But it's always just really important to kind of make sure that she's aware that you do have a financial adviser.","start":2527.525,"end":2532.085,"sentiment":"neutral","sentiment_score":0.0032695530653221623},{"text":"We do look after your sleep and your insurances, and we can certainly help her with the claims process.","start":2532.085,"end":2537.685,"sentiment":"neutral","sentiment_score":0.11139396029083352},{"text":"I've had it in the past where clients didn't tell anyone and, you know, a few months have passed away.","start":2537.685,"end":2542.9,"sentiment":"neutral","sentiment_score":-0.23557607606053352},{"text":"We've been trying to call them and we get a phone call out of the blue going, this person's passed away.","start":2542.9,"end":2547.5598,"sentiment":"negative","sentiment_score":-0.35147287732078913}],"sentiment":"neutral","sentiment_score":-0.0684570250234605,"num_words":97,"start":2522.5698,"end":2547.5598},{"sentences":[{"text":"Who are you and what do you do and, you know, how do we get this money?","start":2547.6199,"end":2551.5598,"sentiment":"neutral","sentiment_score":-0.20909030472531037},{"text":"It's beautiful.","start":2553.885,"end":2556.865,"sentiment":"neutral","sentiment_score":0.015343044884502888},{"text":"Yeah.","start":2558.605,"end":2559.105,"sentiment":"neutral","sentiment_score":-0.22466586530208588},{"text":"Yep.","start":2563.805,"end":2564.305,"sentiment":"neutral","sentiment_score":-0.0916173905134201},{"text":"Yeah.","start":2578.0,"end":2578.5,"sentiment":"neutral","sentiment_score":0.1586970090866089}],"sentiment":"neutral","sentiment_score":-0.1673379698768258,"num_words":22,"start":2547.6199,"end":2578.5},{"sentences":[{"text":"No.","start":2578.6401,"end":2579.04,"sentiment":"neutral","sentiment_score":0.13382850587368011},{"text":"Perfect.","start":2579.04,"end":2579.54,"sentiment":"positive","sentiment_score":0.35673466324806213},{"text":"Well, if you guys wanted to seek other advice on investments or anything else out there, please let me know.","start":2579.9202,"end":2585.275,"sentiment":"neutral","sentiment_score":0.16248102933168412},{"text":"I am here to guide you along, help you meet your goals.","start":2585.275,"end":2587.6748,"sentiment":"positive","sentiment_score":0.451119343439738},{"text":"I'm a fully licensed adviser as well.","start":2587.6748,"end":2589.6748,"sentiment":"neutral","sentiment_score":0.22406950805868422}],"sentiment":"neutral","sentiment_score":0.26151469349861145,"num_words":41,"start":2578.6401,"end":2589.6748},{"sentences":[{"text":"And I know as part of the annual review packet is due to be sent out to you that you'll have the financial services guide in there.","start":2589.6748,"end":2596.23,"sentiment":"neutral","sentiment_score":0.16127900392920883},{"text":"So you can look me up in there.","start":2596.23,"end":2597.51,"sentiment":"neutral","sentiment_score":0.09209864493459463},{"text":"It's got my license number.","start":2597.51,"end":2598.95,"sentiment":"neutral","sentiment_score":0.10483264625072479},{"text":"You can have a look on the active register and everything there as well.","start":2598.95,"end":2601.99,"sentiment":"neutral","sentiment_score":0.11010431232196945},{"text":"So for yeah.","start":2601.99,"end":2604.87,"sentiment":"neutral","sentiment_score":0.25677421192328137}],"sentiment":"neutral","sentiment_score":0.13907488605432344,"num_words":57,"start":2589.6748,"end":2604.87},{"sentences":[{"text":"That's good.","start":2604.87,"end":2605.59,"sentiment":"positive","sentiment_score":0.6215927004814148},{"text":"I love that.","start":2605.59,"end":2606.23,"sentiment":"positive","sentiment_score":0.8123228549957275},{"text":"I promise I'll look after you too.","start":2606.23,"end":2607.99,"sentiment":"positive","sentiment_score":0.5325142315455845},{"text":"So absolutely.","start":2607.99,"end":2613.655,"sentiment":"neutral","sentiment_score":0.2932835891842842},{"text":"Absolutely.","start":2614.115,"end":2614.5952,"sentiment":"neutral","sentiment_score":0.2344748377799988}],"sentiment":"positive","sentiment_score":0.5485863735278448,"num_words":15,"start":2604.87,"end":2614.5952},{"sentences":[{"text":"Well, the biggest thing that we abide by is best interest duty, and that's legislated under the corporations act.","start":2614.5952,"end":2619.635,"sentiment":"neutral","sentiment_score":0.1735220084849157},{"text":"So it's about making sure that we're here for you.","start":2619.635,"end":2622.0,"sentiment":"neutral","sentiment_score":0.2490253269672394},{"text":"And whenever a conflict of interest arises, I have to put your needs above that of my employer.","start":2622.4,"end":2627.22,"sentiment":"neutral","sentiment_score":0.042346161117570266},{"text":"So if anything happens and it causes the conflict between you and my bosses, I put your your needs first and act on your behalf.","start":2627.36,"end":2635.995,"sentiment":"neutral","sentiment_score":0.09669036865234375},{"text":"So rest assured I will do nothing wrong by you.","start":2636.0752,"end":2638.715,"sentiment":"neutral","sentiment_score":0.23378729075193405}],"sentiment":"neutral","sentiment_score":0.13786017627841451,"num_words":82,"start":2614.5952,"end":2638.715},{"sentences":[{"text":"Okay?","start":2638.715,"end":2639.215,"sentiment":"neutral","sentiment_score":0.07894910871982574},{"text":"Yeah.","start":2641.675,"end":2642.175,"sentiment":"neutral","sentiment_score":0.01992722600698471},{"text":"Yes.","start":2643.1152,"end":2643.6152,"sentiment":"neutral","sentiment_score":0.03714102879166603},{"text":"Yep.","start":2666.505,"end":2666.9048,"sentiment":"neutral","sentiment_score":0.06696973741054535},{"text":"Yeah.","start":2666.9048,"end":2667.145,"sentiment":"neutral","sentiment_score":0.19667711853981015}],"sentiment":"neutral","sentiment_score":0.0799328438937664,"num_words":5,"start":2638.715,"end":2667.145},{"sentences":[{"text":"Absolutely.","start":2667.145,"end":2667.645,"sentiment":"positive","sentiment_score":0.3863726854324341},{"text":"So it is a set and covered by the same legislations as an as any other super fund out there.","start":2667.865,"end":2673.9448,"sentiment":"neutral","sentiment_score":0.24291982874274254},{"text":"Yeah.","start":2673.9448,"end":2674.345,"sentiment":"neutral","sentiment_score":0.12587380409240723},{"text":"Yep.","start":2674.345,"end":2674.845,"sentiment":"neutral","sentiment_score":0.10647927224636078},{"text":"Yep.","start":2674.9849,"end":2675.4849,"sentiment":"neutral","sentiment_score":0.08317757397890091}],"sentiment":"neutral","sentiment_score":0.23167916294187307,"num_words":24,"start":2667.145,"end":2675.4849},{"sentences":[{"text":"Yeah.","start":2684.15,"end":2684.5498,"sentiment":"neutral","sentiment_score":-0.000521879643201828},{"text":"Yeah.","start":2684.5498,"end":2684.95,"sentiment":"neutral","sentiment_score":-0.00035123713314533234},{"text":"So, like, if anything was to happen, because your funds, whilst have 20 fours, think of it like the vehicle.","start":2684.95,"end":2689.67,"sentiment":"neutral","sentiment_score":-0.04461130984127522},{"text":"It's sort of like the car.","start":2689.67,"end":2691.21,"sentiment":"neutral","sentiment_score":-0.02271124379088481},{"text":"And inside that vehicle, you've got all your different investment options.","start":2691.465,"end":2694.745,"sentiment":"neutral","sentiment_score":-0.01475743521851572}],"sentiment":"neutral","sentiment_score":-0.030556373429508545,"num_words":39,"start":2684.15,"end":2694.745},{"sentences":[{"text":"So your money is not actually invested in hub twenty four.","start":2694.745,"end":2697.0652,"sentiment":"neutral","sentiment_score":-0.11675017801198093},{"text":"That's just the platform that it's invested on.","start":2697.0652,"end":2699.5452,"sentiment":"neutral","sentiment_score":0.032033390016295016},{"text":"Your money is actually invested in the different investment options there.","start":2699.5452,"end":2702.985,"sentiment":"neutral","sentiment_score":0.022798013280738483},{"text":"So if something was to happen to hub twenty four and, you know, they were to go down, they would be coming out saying, hey.","start":2702.985,"end":2708.9102,"sentiment":"neutral","sentiment_score":-0.09459813222289086},{"text":"Look.","start":2708.9102,"end":2709.1501,"sentiment":"neutral","sentiment_score":-0.10111211240291595}],"sentiment":"neutral","sentiment_score":-0.05791557339086596,"num_words":56,"start":2694.745,"end":2709.1501},{"sentences":[{"text":"We're having an issue.","start":2709.1501,"end":2710.19,"sentiment":"neutral","sentiment_score":-0.20814954116940498},{"text":"We need to close down, but your investments are within these investment options.","start":2710.19,"end":2714.05,"sentiment":"neutral","sentiment_score":-0.15463813222371614},{"text":"And another platform should be able to come out, sort of look at things, help, you know, take it on board.","start":2714.35,"end":2720.225,"sentiment":"neutral","sentiment_score":0.11386391378584362},{"text":"We'd be able to move you out of those funds.","start":2720.225,"end":2722.145,"sentiment":"neutral","sentiment_score":-0.12930819615721703},{"text":"But the it's more the what happens to the investment option, not so much hub twenty four that affects you.","start":2722.145,"end":2728.225,"sentiment":"neutral","sentiment_score":-0.08586578108370305}],"sentiment":"neutral","sentiment_score":-0.05091395996072713,"num_words":68,"start":2709.1501,"end":2728.225},{"sentences":[{"text":"Because it's just the platform you're sitting on.","start":2728.225,"end":2729.905,"sentiment":"neutral","sentiment_score":0.023712145630270243},{"text":"It's just the investment vehicle.","start":2729.905,"end":2731.445,"sentiment":"neutral","sentiment_score":-0.019861780852079392},{"text":"Where your money is actually affected is the investment options that you're invested in, the underlying investment options, if that makes sense.","start":2731.58,"end":2738.4,"sentiment":"neutral","sentiment_score":-0.027398628267374905},{"text":"Yeah.","start":2742.54,"end":2743.04,"sentiment":"neutral","sentiment_score":-0.013332678005099297},{"text":"Yep.","start":2745.4348,"end":2745.9348,"sentiment":"neutral","sentiment_score":0.08309301733970642}],"sentiment":"neutral","sentiment_score":-0.011962735723402049,"num_words":37,"start":2728.225,"end":2745.9348},{"sentences":[{"text":"Yes.","start":2751.115,"end":2751.615,"sentiment":"neutral","sentiment_score":0.01586981862783432},{"text":"Yep.","start":2752.9548,"end":2753.4548,"sentiment":"neutral","sentiment_score":-0.05900173261761665},{"text":"That is exactly right.","start":2757.02,"end":2758.38,"sentiment":"neutral","sentiment_score":0.02912020031362772},{"text":"Yeah.","start":2758.38,"end":2758.6199,"sentiment":"neutral","sentiment_score":0.050994113087654114},{"text":"That's the same with all the other ones out there.","start":2758.6199,"end":2760.54,"sentiment":"neutral","sentiment_score":0.051243091374635695}],"sentiment":"neutral","sentiment_score":0.03745728906463174,"num_words":17,"start":2751.115,"end":2760.54},{"sentences":[{"text":"All your individual industry funds, SeaBus, Australian, Super, all those things, they all have investment managers as well.","start":2760.54,"end":2767.1199,"sentiment":"neutral","sentiment_score":0.03813208908670478},{"text":"They obviously don't have access to as many investments as what these retail funds do, and they kinda limit what you can do on the platforms there.","start":2767.5,"end":2775.535,"sentiment":"neutral","sentiment_score":-0.10102975147741812},{"text":"However, they are investing money in big pools of money with investment managers the same way we are.","start":2775.535,"end":2781.375,"sentiment":"neutral","sentiment_score":0.1125626422257887},{"text":"The more the difference here is you have more clarity and more investments to choose from.","start":2781.375,"end":2786.1,"sentiment":"neutral","sentiment_score":0.15233625378459692},{"text":"It's more of a a lot more access to investments to be able to build your investments and have them working in Ultra and change them.","start":2786.4202,"end":2793.3801,"sentiment":"neutral","sentiment_score":0.15372652030335024}],"sentiment":"neutral","sentiment_score":0.06113306154452619,"num_words":105,"start":2760.54,"end":2793.3801},{"sentences":[{"text":"Whereas in those industry super funds, those investments and then they're just making decisions on behalf of everyone and telling you this is where majority of your peer group should be in, so you should be in that same investment options.","start":2793.3801,"end":2805.145,"sentiment":"neutral","sentiment_score":0.11303916101048632},{"text":"So here you get a bit personalized.","start":2805.145,"end":2806.8452,"sentiment":"neutral","sentiment_score":0.1336336082645825},{"text":"Yeah.","start":2807.5452,"end":2808.0452,"sentiment":"neutral","sentiment_score":0.07211139053106308},{"text":"Yeah.","start":2817.3398,"end":2817.8398,"sentiment":"neutral","sentiment_score":0.020260728895664215},{"text":"It kinda yeah.","start":2817.9,"end":2819.8398,"sentiment":"neutral","sentiment_score":-0.00587739422917366}],"sentiment":"neutral","sentiment_score":0.10650529803813628,"num_words":53,"start":2793.3801,"end":2819.8398},{"sentences":[{"text":"Yeah.","start":2830.3152,"end":2830.8152,"sentiment":"neutral","sentiment_score":-0.015057995915412905},{"text":"Yeah.","start":2831.355,"end":2831.835,"sentiment":"neutral","sentiment_score":0.007927224040031433},{"text":"Absolutely.","start":2831.835,"end":2832.335,"sentiment":"neutral","sentiment_score":0.02732825838029385},{"text":"So in order to get more growth, you need to sort of be willing to take on a a bit more risk there.","start":2832.7952,"end":2837.695,"sentiment":"neutral","sentiment_score":-0.02531471330186595},{"text":"If you're not taking on as much risk, more defensive in nature, more conservative, then you do get the returns that are sort of reflecting that.","start":2837.94,"end":2845.06,"sentiment":"neutral","sentiment_score":0.016006460055135764}],"sentiment":"neutral","sentiment_score":-0.002805249192393743,"num_words":52,"start":2830.3152,"end":2845.06},{"sentences":[{"text":"Yeah.","start":2845.06,"end":2845.56,"sentiment":"neutral","sentiment_score":0.11010044068098068},{"text":"Yeah.","start":2846.18,"end":2846.68,"sentiment":"positive","sentiment_score":0.3788301944732666},{"text":"Yeah.","start":2847.38,"end":2847.88,"sentiment":"positive","sentiment_score":0.38527214527130127},{"text":"Perfect.","start":2848.3398,"end":2848.8398,"sentiment":"positive","sentiment_score":0.5054674744606018},{"text":"Did you have any other questions for me at all, Reese?","start":2849.54,"end":2851.6199,"sentiment":"neutral","sentiment_score":0.1486625630747188}],"sentiment":"neutral","sentiment_score":0.2009972299138705,"num_words":15,"start":2845.06,"end":2851.6199},{"sentences":[{"text":"If you think of anything at all, you're welcome to let me know.","start":2851.6199,"end":2855.771,"sentiment":"neutral","sentiment_score":0.16866374818178323},{"text":"But have I kind of answered everything for you at the moment?","start":2855.771,"end":2857.0352,"sentiment":"neutral","sentiment_score":0.046439563389867544},{"text":"Or Yeah.","start":2857.0352,"end":2860.095,"sentiment":"neutral","sentiment_score":0.13766484335064888},{"text":"Yep.","start":2861.355,"end":2861.855,"sentiment":"neutral","sentiment_score":0.0882289856672287},{"text":"Absolutely.","start":2865.195,"end":2865.695,"sentiment":"neutral","sentiment_score":-0.04883258044719696}],"sentiment":"neutral","sentiment_score":0.10567688203320422,"num_words":29,"start":2851.6199,"end":2865.695},{"sentences":[{"text":"Perfect.","start":2866.7952,"end":2867.2952,"sentiment":"neutral","sentiment_score":0.05656951293349266},{"text":"Yeah.","start":2877.32,"end":2877.82,"sentiment":"neutral","sentiment_score":-0.06172856688499451},{"text":"Yeah.","start":2886.215,"end":2886.715,"sentiment":"neutral","sentiment_score":0.00448013748973608},{"text":"Yeah.","start":2887.735,"end":2888.235,"sentiment":"neutral","sentiment_score":0.03060995601117611},{"text":"Yep.","start":2888.295,"end":2888.795,"sentiment":"neutral","sentiment_score":0.03630616515874863}],"sentiment":"neutral","sentiment_score":0.013247440941631794,"num_words":5,"start":2866.7952,"end":2888.795},{"sentences":[{"text":"Yep.","start":2893.27,"end":2893.75,"sentiment":"neutral","sentiment_score":0.08270059525966644},{"text":"Absolutely.","start":2893.75,"end":2894.25,"sentiment":"neutral","sentiment_score":0.1253156214952469},{"text":"No.","start":2894.39,"end":2894.63,"sentiment":"neutral","sentiment_score":-0.004780344665050507},{"text":"That's why we definitely want to have a conversation with you, and it's important that we can't just remove an investment without talking to you at the same time and updating the advice to reflect because it's important that you're aware of what's happening with your investments.","start":2894.63,"end":2906.0898,"sentiment":"neutral","sentiment_score":0.03047202917885907},{"text":"But, yeah, that's exactly what we're doing with Bandalong.","start":2907.165,"end":2909.245,"sentiment":"neutral","sentiment_score":0.055605357926752835}],"sentiment":"neutral","sentiment_score":0.036201177370118895,"num_words":59,"start":2893.27,"end":2909.245},{"sentences":[{"text":"We've had a look at it.","start":2909.245,"end":2910.205,"sentiment":"neutral","sentiment_score":0.003142517370482286},{"text":"It's had its ups and downs.","start":2910.205,"end":2911.5652,"sentiment":"neutral","sentiment_score":-0.1289136124153932},{"text":"It's really not a quality investment anymore.","start":2911.5652,"end":2913.645,"sentiment":"neutral","sentiment_score":-0.29795585572719574},{"text":"We do wanna remove it, but we're looking at replacing it with something as lower cost, hopefully, save you less in the way of investment fees, and hopefully, provide greater performance there as well.","start":2913.645,"end":2923.43,"sentiment":"neutral","sentiment_score":0.07425511858480818},{"text":"So we do wanna get rid of that one.","start":2923.43,"end":2925.59,"sentiment":"neutral","sentiment_score":-0.11719269057114919}],"sentiment":"neutral","sentiment_score":-0.02210286683252742,"num_words":62,"start":2909.245,"end":2925.59},{"sentences":[{"text":"So I'll get cracking on the research on this for you.","start":2925.59,"end":2928.23,"sentiment":"neutral","sentiment_score":0.11326360634782097},{"text":"I'll come back and show you what we're gonna do to help you, and then you get to ask me additional questions and see the advantages, disadvantages, and the risks of what I recommend for you.","start":2928.23,"end":2937.065,"sentiment":"neutral","sentiment_score":0.09476703974521822},{"text":"Okay?","start":2937.125,"end":2937.625,"sentiment":"neutral","sentiment_score":0.07466626167297363},{"text":"Excellent.","start":2939.045,"end":2939.545,"sentiment":"positive","sentiment_score":0.5380104184150696},{"text":"Well, I hope you have a safe drive home, Rhys.","start":2939.925,"end":2942.405,"sentiment":"positive","sentiment_score":0.5091641694307327}],"sentiment":"neutral","sentiment_score":0.17562426228897046,"num_words":59,"start":2925.59,"end":2942.405},{"sentences":[{"text":"If you do find you have more questions, please let me know, and I'll contact I'll easy.","start":2942.405,"end":2949.0598,"sentiment":"neutral","sentiment_score":0.2452740117030985},{"text":"I'll talk to you in about two weeks.","start":2949.0598,"end":2950.74,"sentiment":"neutral","sentiment_score":0.1230372991412878},{"text":"Easy.","start":2950.74,"end":2951.24,"sentiment":"neutral","sentiment_score":0.246456116437912},{"text":"Thanks.","start":2952.5,"end":2953.0,"sentiment":"positive","sentiment_score":0.5949764847755432},{"text":"You too.","start":2953.7,"end":2954.5198,"sentiment":"neutral","sentiment_score":0.11595639027655125}],"sentiment":"neutral","sentiment_score":0.21473455082239776,"num_words":29,"start":2942.405,"end":2954.5198},{"sentences":[{"text":"It has been.","start":2958.42,"end":2959.22,"sentiment":"neutral","sentiment_score":0.0032305518786112466},{"text":"Yeah.","start":2959.22,"end":2959.46,"sentiment":"neutral","sentiment_score":0.010090848430991173},{"text":"Well, I think it's probably more common.","start":2959.46,"end":2961.045,"sentiment":"neutral","sentiment_score":-0.03209320522312607},{"text":"It kinda rains a lot up here, but that's okay.","start":2961.045,"end":2963.545,"sentiment":"neutral","sentiment_score":-0.0668752348050475},{"text":"We'll winter's coming.","start":2963.605,"end":2965.125,"sentiment":"neutral","sentiment_score":-0.012870204479744038}],"sentiment":"neutral","sentiment_score":-0.03800970391603187,"num_words":24,"start":2958.42,"end":2965.125},{"sentences":[{"text":"It stops in the wet.","start":2965.125,"end":2966.7249,"sentiment":"neutral","sentiment_score":-0.03035013601183891},{"text":"Yeah.","start":2966.7249,"end":2967.2249,"sentiment":"neutral","sentiment_score":0.040977343916893005},{"text":"Yeah.","start":2974.02,"end":2974.52,"sentiment":"neutral","sentiment_score":0.2497100979089737},{"text":"Yep.","start":2975.06,"end":2975.56,"sentiment":"neutral","sentiment_score":0.2534272372722626},{"text":"Yeah.","start":2975.7002,"end":2976.2002,"sentiment":"neutral","sentiment_score":0.15766827762126925}],"sentiment":"neutral","sentiment_score":0.061114697406689324,"num_words":9,"start":2965.125,"end":2976.2002},{"sentences":[{"text":"Yeah.","start":2976.58,"end":2976.98,"sentiment":"neutral","sentiment_score":0.17391903698444366},{"text":"Yeah.","start":2976.98,"end":2977.22,"sentiment":"neutral","sentiment_score":0.239157110452652},{"text":"When it's beautiful, it is beautiful.","start":2977.22,"end":2978.82,"sentiment":"positive","sentiment_score":0.5976529518763224},{"text":"When it's wet, it is tranqal.","start":2978.82,"end":2980.4402,"sentiment":"neutral","sentiment_score":0.28555039564768475},{"text":"No.","start":2983.3,"end":2983.7002,"sentiment":"neutral","sentiment_score":-0.01610356569290161}],"sentiment":"positive","sentiment_score":0.37974617779254916,"num_words":15,"start":2976.58,"end":2983.7002},{"sentences":[{"text":"Oh, that's it.","start":2983.7002,"end":2985.255,"sentiment":"neutral","sentiment_score":0.06485518564780553},{"text":"That's exactly it.","start":2985.335,"end":2986.535,"sentiment":"neutral","sentiment_score":0.17404411733150482},{"text":"No.","start":2986.535,"end":2986.775,"sentiment":"neutral","sentiment_score":0.03210095316171646},{"text":"Oh, good.","start":2986.775,"end":2987.1748,"sentiment":"positive","sentiment_score":0.3783951848745346},{"text":"Well, thank you very much for your time.","start":2987.1748,"end":2988.615,"sentiment":"positive","sentiment_score":0.7167940139770508}],"sentiment":"positive","sentiment_score":0.42587890256853667,"num_words":17,"start":2983.7002,"end":2988.615},{"sentences":[{"text":"I really appreciate it.","start":2988.615,"end":2989.815,"sentiment":"positive","sentiment_score":0.7789774984121323},{"text":"I'll get cracking on the research.","start":2989.815,"end":2991.095,"sentiment":"positive","sentiment_score":0.6478151281674703},{"text":"We'll talk again shortly.","start":2991.095,"end":2992.1348,"sentiment":"neutral","sentiment_score":0.2340243197977543},{"text":"And in the meantime, if you need anything, don't ever hesitate.","start":2992.1348,"end":2994.6348,"sentiment":"neutral","sentiment_score":0.1935517957264727},{"text":"I'm always here happy to make time.","start":2994.6948,"end":2996.375,"sentiment":"positive","sentiment_score":0.5139547543866294}],"sentiment":"positive","sentiment_score":0.42705159611068666,"num_words":32,"start":2988.615,"end":2996.375},{"sentences":[{"text":"Okay?","start":2996.375,"end":2996.875,"sentiment":"neutral","sentiment_score":0.2268381118774414},{"text":"My pleasure.","start":2998.939,"end":2999.5789,"sentiment":"positive","sentiment_score":0.7786917686462402},{"text":"Enjoy your afternoon.","start":2999.5789,"end":3000.619,"sentiment":"positive","sentiment_score":0.7760328650474548},{"text":"Have a safe trip home.","start":3000.619,"end":3001.919,"sentiment":"positive","sentiment_score":0.6649863004684449},{"text":"Thanks.","start":3002.859,"end":3003.359,"sentiment":"positive","sentiment_score":0.5193108320236206}],"sentiment":"positive","sentiment_score":0.6630468815565109,"num_words":12,"start":2996.375,"end":3003.359},{"sentences":[{"text":"See you later.","start":3003.899,"end":3004.7188,"sentiment":"neutral","sentiment_score":0.3298565049966176},{"text":"Bye.","start":3004.7788,"end":3005.2788,"sentiment":"neutral","sentiment_score":-0.1043463796377182}],"sentiment":"neutral","sentiment_score":0.22130578383803368,"num_words":4,"start":3003.899,"end":3005.2788}]}}]},{"alternatives":[{"transcript":"Hello. Ray speaking. I'm good. And yourself? Yeah. It was I think yeah. Definitely. I was more interested in the silver and the gold side of things. That's physical silver and gold. Yeah. That's fine. I have plenty of time. Aaron. So I've got an Aaron for thirty minutes. I'm sorry. He's took the best time to talk to me. Sure. Alright, Sarah. It's the 9th to twelfth on in Antioch. It should be 7 Saint Mary Drive. It's okay. Oh, it's just interesting because over the last couple of years, gold and silver have both gone up quite rapidly. Physical gold and silver have gone up quite rapidly. And it was something where if it drops in price, it doesn't drop by a lot, and it's a currency that is physical essentially. Like, it's everywhere in the world. So because that's essentially buying bullion, isn't it? Yeah. Yep. Yeah. It wouldn't hurt. The reason I say silver is because silver is because the way that the world's going with info, everything's becoming data. Silver's required in a lot of it. So the value of silver has gone up. I have noticed that it has gone up quite a bit. It's not ridiculously pricey, but it has gone up from you know, you had a $10.20 dollar growth over a year. It's pretty good for something that's silver. I think it's actually had a bit more, but because I do watch I watch I have got trending on gold and silver prices. That's why I'm gonna look at buying it outside myself as well as the physical buying physical gold, like my own bullion that I'll store as well. But so you don't have anywhere in Australia that you buy it through, you invested in, or is that not really a thing? Yeah. I as far as I'm away, just walking and buy it. It. Because I I was yeah. Well, that's the thing. The place I have looked at buying physical is you buy storage there as well. So you buy through them and they store it all. Because I was I was thinking about whether I would, like, take out super to buy gold myself with because of the light sort of been trending. But I yeah. I'm not I'm always hesitant to do that kind of stuff because super sort of that's your retirement fund. But we Yeah. Yeah. That's what I was unsure about. So I've seen a lot of people do self manage, and, recently, a lot of self managed ones took quite a hit with the way the economy is going. So Yes. Yeah. Yep. Yeah. Whatever makes it great. I'm happy to lose the ones that aren't performing. Yeah. Yeah. That's fine. As As long as, like, you guys obviously well, you do this for a living, so you're gonna know more about it than what I will. If you can yeah. Yep. Yeah. I can't say why not. As I said, you guys know what you're doing. I'm just gonna look at it and go, okay. But as long as it's performing. If it's not performing, then I'm gonna be questioning things. Yeah. Probably Tuesday. It shouldn't be having any issues at all. It's right in the nice. Yeah. It's been giving a pretty good return. Anything above 7% is pretty good annually. Yeah. Yeah. I always all the shit going on around the the crazy world at the moment, but markets are all over the shop. I got my that are investors, and they they took a hit with some things because of what America did and then other things to the market, and then, obviously, the way the economy is going, everything affects it some way or another. That's true. Because I have I have at one point, I was I'm was on the process of getting into investing myself personally. But I rather than invest straight away, I actually just selected a handful of ETFs to follow and just monitored them for probably about six months to see whether I actually wanted to or not. See how they performed, how they did. There's a couple that have been around for years, and there's a couple that are sort of starting up. And it was interesting to see look. The growth wasn't great on them, but that's you know, six months growth isn't really gonna be crazy. But you could say that there'd be a day where it's in the positive and then the day in the negative and just back and forth. And it's just a good to see the market works that way. But and, like, I still haven't really invested in anything, but it's on the process. I just like watching them together. Yeah. That's what I noticed. We'd like oh, you got your the EFS, I was mostly looking at a fairly safe so the BlackRock and there's another one in that company, the other company. And that BlackRock's been there for years. So it's, like, it's pretty solid investment. So but it is it's not because Yeah. Well, I do actually, I do look at my statements as well just to see how how the shares are tracking and how my super is going, but well aware that, you know, it has highs and lows. And you might turn it on one day and it's down, and the next week, you look at it and it's up. So that's just how I as long as when I retire, the money's out. I don't give a shit how I get there. Yep. Look. I don't know, to be honest. Like, I'm retiring. I I look. I get crazy if I retired. I just have to work. So Yeah. That sounds great. I have no issue with that. Yeah. Thirty thirty years is too long. That's if you're gonna tell me what it is in thirty years, I'll be like, sure. When I get there and I see it, that's that'll be fine, but who knows what tomorrow will bring? So so I'm ringing I'm ringing around to see who's got a horse so I can start riding. Yeah. I don't think I've got an electric scooter at home, but say next next week or two will tell us. The oil that's one of the lowest home markets at the moment, the oil market. Look. Like anything, it is concerning to see investments drop, but what do you do? Like like well, at the end of the day, I know that, like, at least I'm not sitting in Seabass, which wasn't really going anywhere in that way apart from unless I put input. And then you guys are looking after it. So having the knowledge of knowing that you guys will alter things if the market isn't looking good or certain investments aren't working probably means that I'm more comfortable knowing that if there's a drop in it that it will recover. Providing that they're gonna come back, it's hard how well I don't have the insight to tell without a doubt to sit there and go, well, that's dropped x amount, but it will rebound. But if it is willing if it is gonna rate like, if you say something and you're like, oh, it's dropped, but there's a big chance that this will bounce back, it's worth putting into, then that's on you guys to really do more than me. Like, I I wouldn't be able to sit there and look at it and go, hey. I noticed this has dropped. Is it worth putting more into it? Whereas you guys would be like, oh, this has dropped. It will probably rebound. Let's buy. Yeah. Definitely. Look. I'm not stressed about it. That's that for me would be playing with Fire. And I think me playing with Fire is safer than that, to be honest with you. Alright. Look. If if if I if I'm if I was confident enough to know that because the problem is regardless of the loans, at some point, you're gonna have losses, and that's when you start stressing about repayments. And I don't have I know that I don't have the cash flow to look after, facilitate those loans, so I wouldn't do it. Even though the the reward could be greater in a year or two, it's not worth the risk currently in the stitch in the way the economy is the way I look at it. Probably paying the mortgage off is the main one. I couldn't I'd like to buy investment properties, but it wouldn't be in Australia. Like well, not Victoria anyway. It's ridiculous. You buy and you get taxed through the roof. Mate, like, I look. I if it's a possibility and there's a good return from it, I'm sure. Some people do it with their super and they do really well on it. Yeah. But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on it. Yeah. I think it's it's doing really I say it's doing alright for what it is. Like, as you said, like, it's gonna take a hit. Like, this year, we'll probably take a hit on it. Next year, you'll have growth, and that's just how the world works. So, like, yeah, it's just market's fluctuate. I'm like, that's my understanding of it. And, you know, you gotta be in it to win it partially as well. So Sounds good. I doubt it. Whatever rate we can. I think there's a rate rise coming, which won't help, but yeah. I think there's another one too just from what I've got from what I've read. Yeah. They have to do it. Unfortunately, just to try and combat everything. Well, let's they're out. There are other things that, unfortunately, with everything that's going on at the moment, I think there'll be one coming. But that doesn't that doesn't worry. I was talking about whether I'd lock into a fixed contract, but that's essentially, what you're locking to fix for your home loan is what the rate laws will go to anyway, so you don't really win out of it. Yeah. We noticed that when they went we were on 2% for ages and then that they jacked up to five during COVID because of the lockdown and all the shit that Victorian government basically crippled Australia with. And then we came off, and we're like, oh, we're panicking a little bit, and actually, I thought it was bad as what it's gonna be. Sorry. No. Yeah. Anytime after 04:30, Monday to Friday. That's the is that is that the Easter weekend? Before yeah. That will be fine. No. No. The I don't know. The week before works fine. The week before because the week after Easter, I'm I'm at the hotel prior for a few days. Yep. That'd be three thirty or a turn on and 04:30 out. Yeah. Works for me. Yeah. That's when I'm usually driving home, so it's best time to get ahold of me. Oh, buddy. Yep. Then I'm good. What's so just a quick question. But What do you think it's the right thing to put money into silver, or is it not really worth it at the moment? Yes. Yep. No. That's that's because I I just know that those so those two, gold and silver in particular, aren't they're not a get rich quick investment. It's a 30 point is down the line investment. That's what it's like. Even if you even if I had I bought 50,000 gold today and I had thirty years on it, I'd have a good return on it. So that's what my my my thought process is like. If not, gold and silver investing in gold and silver physical gold and silver isn't as volatile as what the stock market is. Yep. Yeah. Sounds good. Look, I'm I'm fully aware with gold and silver that there are highs and lows and, like, you as I said, you can't pick them, so why would you just buy it? And my the the main reason is it's a very secured item that is it's not short term growth, but it will always be growing regardless of of it. So yeah. If I can invest into it and I has good return, it's probably worth doing. So so I'll leave it a little up to you and there it goes. Yep. Bye bye. Sounds good. Sounds good. Thank you. I think I'm happy with them at the moment. My my main concern with that is for is I as long as the price on the account is outperforming the outgoing from the insurances, I've got no issue with them. So but I think that covers the life insurance practically covers the mortgage plus more. Disability is pretty much is what it is. And then the other one, yeah, wage loss. So it should cover because I think the wage the way is it the wage loss one? What's the what is that? Disability and then the so what's the third one? Insurance disability. Yeah. Income protection, which what was that? Well, is it fortnightly or weekly? Yep. Yep. Yep. What does that pay at monthly? Oh, well, well, sorry. What's the title? Do you know the title that I paid that? 5,900. At full monthly, full plate. Yep. Yeah. They're about so it's up to 75%. And then you said it's five nine? Yeah. Yeah. Got it. No. That's yeah. No. That's fine. That covers that covers the mortgage. I got a I got a 3,800 a week for the mortgage at $2.06 $5.02. Yep. No. I honestly, I don't I don't think I ever need it. I I I don't think but it's obviously obviously that yeah. I I don't I don't I don't think that would worry me in the way of trauma. It takes something pretty shocking to probably do that part. Because that's fine. Usually, it's from having dealt with certain things or something happened, I suppose, but I yeah. I've never heard of it until you mentioned it, to be honest. Yeah. No. Probably be fine. I haven't heard of travel insurance till today. Yep. Yep. Yeah. I filled out forms, like, two years ago. I started my desk to mail a bit and never mailed them in. I've got him sign a witness. Can I send him in for two years? I totally forgot. I found him the other day. I think I think Samantha's spending me some more. No. I can fill it all out. That's fine. No. It's just like me being lazy. Don't you? I'll get on to that and then just forget to hear about it. I don't know. I cannot see if I have the kids and really upset Yeah. No. I don't. I've got I'd leave it over there anyway. Like, I'm terrible with money to deal with it. I just wanna tell her I just wanna tell her what it's worth so that I don't end up with, like, mushroom poisoning or anything. No. She no. She's there. Yeah. I think she knows about it. She's aware I have to tell her. Oh, she's aware. Yeah. I so I am either way, I I have a financial adviser because I told her. She thought you guys were a scam when I she totally thought it was a scam when I first was chatting to you guys. And I was skeptical. I was like, hey. You're struggling, like, it's just still weird. It's just a cold call and then, yeah, the bloke sold it really well. And then I got chatting and the returns have been phenomenal, and I've been happy since joining. So yes. I trust you. I trust you. Otherwise, if I wasn't trust, I'd have no money. Yeah. So the Hub 24, just the only question I was regarding was that I had my partner did ask me this. So, you know, the big I think the big one, like, Steve Austin all at which they have the insurance and stuff like that. If something happens to them and they lose money or something that the insurance pays out, is HubSpotty four sort of covered in that way as well if they do have a massive financial issue? Yeah. Yeah. She wasn't she wasn't sure if she was, like, just questioning me about it. And I'm like, why she don't know whether it is, but I would assume that it would be covered. So Yep. Yeah. And that's the same with Save us and all that. Isn't it? If they were to have issues, it's just their funds are invested. So you're really relying on you're really relying on your funds to do well. And if one of the investors completely tanked, then you kinda lose that just the stock market, isn't it? Yep. Yeah. Yeah. So the the bigger ones like Feebas are the they're the more safe but lower growth options I've found. So I noticed that they tend tend to be the safer option, but their growth isn't as good as what like, the growth that I had on it versus the growth that I've had with HubSpot. Look, with you guys have been totally different. Yep. That's beautiful. Yeah. So the the main thing was sort of the golden silver side of it. The rest of it's questions that have come to mind as I've been chatting. And no. But as I said, I'm happy to as long as obviously, like, if if one of the investments really does take a bit of a hit, is that you guys would obviously look at it as popping out or riding it out until if if you know it's not gonna be coming back, you obviously be popping out of it. But if you yeah. As I said, like, we're leaving it with you guys. You know the market better than what I do. Yep. Sounds right. Beautiful. I think it'll be palatable. Yeah. Well, have a lovely weekend. Hope that the weather's less out there. I think you don't you think you get a bit of rain, are you? They're tropical. It's true that I was up to nearly last year in August, and it was just too late. Lovely weather. Yeah. It's a quaint light. Yep. Yep. No problem. Thank you. I will. Will, Dave. Thanks. 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Ray speaking. I'm good. And yourself? Yeah.\n\nIt was I think yeah. Definitely. I was more interested in the silver and the gold side of things. That's physical silver and gold. Yeah.\n\nThat's fine. I have plenty of time. Aaron. So I've got an Aaron for thirty minutes. I'm sorry.\n\nHe's took the best time to talk to me. Sure. Alright, Sarah. It's the 9th to twelfth on in Antioch. It should be 7 Saint Mary Drive.\n\nIt's okay. Oh, it's just interesting because over the last couple of years, gold and silver have both gone up quite rapidly. Physical gold and silver have gone up quite rapidly. And it was something where if it drops in price, it doesn't drop by a lot, and it's a currency that is physical essentially. Like, it's everywhere in the world.\n\nSo because that's essentially buying bullion, isn't it? Yeah. Yep. Yeah. It wouldn't hurt.\n\nThe reason I say silver is because silver is because the way that the world's going with info, everything's becoming data. Silver's required in a lot of it. So the value of silver has gone up. I have noticed that it has gone up quite a bit. It's not ridiculously pricey, but it has gone up from you know, you had a $10.20 dollar growth over a year.\n\nIt's pretty good for something that's silver. I think it's actually had a bit more, but because I do watch I watch I have got trending on gold and silver prices. That's why I'm gonna look at buying it outside myself as well as the physical buying physical gold, like my own bullion that I'll store as well. But so you don't have anywhere in Australia that you buy it through, you invested in, or is that not really a thing? Yeah.\n\nI as far as I'm away, just walking and buy it. It. Because I I was yeah. Well, that's the thing. The place I have looked at buying physical is you buy storage there as well.\n\nSo you buy through them and they store it all. Because I was I was thinking about whether I would, like, take out super to buy gold myself with because of the light sort of been trending. But I yeah. I'm not I'm always hesitant to do that kind of stuff because super sort of that's your retirement fund. But we Yeah.\n\nYeah. That's what I was unsure about. So I've seen a lot of people do self manage, and, recently, a lot of self managed ones took quite a hit with the way the economy is going. So Yes. Yeah.\n\nYep. Yeah. Whatever makes it great. I'm happy to lose the ones that aren't performing. Yeah.\n\nYeah. That's fine. As As long as, like, you guys obviously well, you do this for a living, so you're gonna know more about it than what I will. If you can yeah. Yep.\n\nYeah. I can't say why not. As I said, you guys know what you're doing. I'm just gonna look at it and go, okay. But as long as it's performing.\n\nIf it's not performing, then I'm gonna be questioning things. Yeah. Probably Tuesday. It shouldn't be having any issues at all. It's right in the nice.\n\nYeah. It's been giving a pretty good return. Anything above 7% is pretty good annually. Yeah. Yeah.\n\nI always all the shit going on around the the crazy world at the moment, but markets are all over the shop. I got my that are investors, and they they took a hit with some things because of what America did and then other things to the market, and then, obviously, the way the economy is going, everything affects it some way or another. That's true. Because I have I have at one point, I was I'm was on the process of getting into investing myself personally. But I rather than invest straight away, I actually just selected a handful of ETFs to follow and just monitored them for probably about six months to see whether I actually wanted to or not.\n\nSee how they performed, how they did. There's a couple that have been around for years, and there's a couple that are sort of starting up. And it was interesting to see look. The growth wasn't great on them, but that's you know, six months growth isn't really gonna be crazy. But you could say that there'd be a day where it's in the positive and then the day in the negative and just back and forth.\n\nAnd it's just a good to see the market works that way. But and, like, I still haven't really invested in anything, but it's on the process. I just like watching them together. Yeah. That's what I noticed.\n\nWe'd like oh, you got your the EFS, I was mostly looking at a fairly safe so the BlackRock and there's another one in that company, the other company. And that BlackRock's been there for years. So it's, like, it's pretty solid investment. So but it is it's not because Yeah. Well, I do actually, I do look at my statements as well just to see how how the shares are tracking and how my super is going, but well aware that, you know, it has highs and lows.\n\nAnd you might turn it on one day and it's down, and the next week, you look at it and it's up. So that's just how I as long as when I retire, the money's out. I don't give a shit how I get there. Yep. Look.\n\nI don't know, to be honest. Like, I'm retiring. I I look. I get crazy if I retired. I just have to work.\n\nSo Yeah. That sounds great. I have no issue with that. Yeah. Thirty thirty years is too long.\n\nThat's if you're gonna tell me what it is in thirty years, I'll be like, sure. When I get there and I see it, that's that'll be fine, but who knows what tomorrow will bring? So so I'm ringing I'm ringing around to see who's got a horse so I can start riding. Yeah. I don't think I've got an electric scooter at home, but say next next week or two will tell us.\n\nThe oil that's one of the lowest home markets at the moment, the oil market. Look. Like anything, it is concerning to see investments drop, but what do you do? Like like well, at the end of the day, I know that, like, at least I'm not sitting in Seabass, which wasn't really going anywhere in that way apart from unless I put input. And then you guys are looking after it.\n\nSo having the knowledge of knowing that you guys will alter things if the market isn't looking good or certain investments aren't working probably means that I'm more comfortable knowing that if there's a drop in it that it will recover. Providing that they're gonna come back, it's hard how well I don't have the insight to tell without a doubt to sit there and go, well, that's dropped x amount, but it will rebound. But if it is willing if it is gonna rate like, if you say something and you're like, oh, it's dropped, but there's a big chance that this will bounce back, it's worth putting into, then that's on you guys to really do more than me. Like, I I wouldn't be able to sit there and look at it and go, hey. I noticed this has dropped.\n\nIs it worth putting more into it? Whereas you guys would be like, oh, this has dropped. It will probably rebound. Let's buy. Yeah.\n\nDefinitely. Look. I'm not stressed about it. That's that for me would be playing with Fire. And I think me playing with Fire is safer than that, to be honest with you.\n\nAlright. Look. If if if I if I'm if I was confident enough to know that because the problem is regardless of the loans, at some point, you're gonna have losses, and that's when you start stressing about repayments. And I don't have I know that I don't have the cash flow to look after, facilitate those loans, so I wouldn't do it. Even though the the reward could be greater in a year or two, it's not worth the risk currently in the stitch in the way the economy is the way I look at it.\n\nProbably paying the mortgage off is the main one. I couldn't I'd like to buy investment properties, but it wouldn't be in Australia. Like well, not Victoria anyway. It's ridiculous. You buy and you get taxed through the roof.\n\nMate, like, I look. I if it's a possibility and there's a good return from it, I'm sure. Some people do it with their super and they do really well on it. Yeah. But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on it.\n\nYeah. I think it's it's doing really I say it's doing alright for what it is. Like, as you said, like, it's gonna take a hit. Like, this year, we'll probably take a hit on it. Next year, you'll have growth, and that's just how the world works.\n\nSo, like, yeah, it's just market's fluctuate. I'm like, that's my understanding of it. And, you know, you gotta be in it to win it partially as well. So Sounds good. I doubt it.\n\nWhatever rate we can. I think there's a rate rise coming, which won't help, but yeah. I think there's another one too just from what I've got from what I've read. Yeah. They have to do it.\n\nUnfortunately, just to try and combat everything. Well, let's they're out. There are other things that, unfortunately, with everything that's going on at the moment, I think there'll be one coming. But that doesn't that doesn't worry. I was talking about whether I'd lock into a fixed contract, but that's essentially, what you're locking to fix for your home loan is what the rate laws will go to anyway, so you don't really win out of it.\n\nYeah. We noticed that when they went we were on 2% for ages and then that they jacked up to five during COVID because of the lockdown and all the shit that Victorian government basically crippled Australia with. And then we came off, and we're like, oh, we're panicking a little bit, and actually, I thought it was bad as what it's gonna be. Sorry. No.\n\nYeah. Anytime after 04:30, Monday to Friday. That's the is that is that the Easter weekend? Before yeah. That will be fine.\n\nNo. No. The I don't know. The week before works fine. The week before because the week after Easter, I'm I'm at the hotel prior for a few days.\n\nYep. That'd be three thirty or a turn on and 04:30 out. Yeah. Works for me. Yeah.\n\nThat's when I'm usually driving home, so it's best time to get ahold of me. Oh, buddy. Yep. Then I'm good. What's so just a quick question.\n\nBut What do you think it's the right thing to put money into silver, or is it not really worth it at the moment? Yes. Yep. No. That's that's because I I just know that those so those two, gold and silver in particular, aren't they're not a get rich quick investment.\n\nIt's a 30 point is down the line investment. That's what it's like. Even if you even if I had I bought 50,000 gold today and I had thirty years on it, I'd have a good return on it. So that's what my my my thought process is like. If not, gold and silver investing in gold and silver physical gold and silver isn't as volatile as what the stock market is.\n\nYep. Yeah. Sounds good. Look, I'm I'm fully aware with gold and silver that there are highs and lows and, like, you as I said, you can't pick them, so why would you just buy it? And my the the main reason is it's a very secured item that is it's not short term growth, but it will always be growing regardless of of it.\n\nSo yeah. If I can invest into it and I has good return, it's probably worth doing. So so I'll leave it a little up to you and there it goes. Yep. Bye bye.\n\nSounds good. Sounds good. Thank you. I think I'm happy with them at the moment. My my main concern with that is for is I as long as the price on the account is outperforming the outgoing from the insurances, I've got no issue with them.\n\nSo but I think that covers the life insurance practically covers the mortgage plus more. Disability is pretty much is what it is. And then the other one, yeah, wage loss. So it should cover because I think the wage the way is it the wage loss one? What's the what is that?\n\nDisability and then the so what's the third one? Insurance disability. Yeah. Income protection, which what was that? Well, is it fortnightly or weekly?\n\nYep. Yep. Yep. What does that pay at monthly? Oh, well, well, sorry.\n\nWhat's the title? Do you know the title that I paid that? 5,900. At full monthly, full plate. Yep.\n\nYeah. They're about so it's up to 75%. And then you said it's five nine? Yeah. Yeah.\n\nGot it. No. That's yeah. No. That's fine.\n\nThat covers that covers the mortgage. I got a I got a 3,800 a week for the mortgage at $2.06 $5.02. Yep. No. I honestly, I don't I don't think I ever need it.\n\nI I I don't think but it's obviously obviously that yeah. I I don't I don't I don't think that would worry me in the way of trauma. It takes something pretty shocking to probably do that part. Because that's fine. Usually, it's from having dealt with certain things or something happened, I suppose, but I yeah.\n\nI've never heard of it until you mentioned it, to be honest. Yeah. No. Probably be fine. I haven't heard of travel insurance till today.\n\nYep. Yep. Yeah. I filled out forms, like, two years ago. I started my desk to mail a bit and never mailed them in.\n\nI've got him sign a witness. Can I send him in for two years? I totally forgot. I found him the other day. I think I think Samantha's spending me some more.\n\nNo. I can fill it all out. That's fine. No. It's just like me being lazy.\n\nDon't you? I'll get on to that and then just forget to hear about it. I don't know. I cannot see if I have the kids and really upset Yeah. No.\n\nI don't. I've got I'd leave it over there anyway. Like, I'm terrible with money to deal with it. I just wanna tell her I just wanna tell her what it's worth so that I don't end up with, like, mushroom poisoning or anything. No.\n\nShe no. She's there. Yeah. I think she knows about it. She's aware I have to tell her.\n\nOh, she's aware. Yeah. I so I am either way, I I have a financial adviser because I told her. She thought you guys were a scam when I she totally thought it was a scam when I first was chatting to you guys. And I was skeptical.\n\nI was like, hey. You're struggling, like, it's just still weird. It's just a cold call and then, yeah, the bloke sold it really well. And then I got chatting and the returns have been phenomenal, and I've been happy since joining. So yes.\n\nI trust you. I trust you. Otherwise, if I wasn't trust, I'd have no money. Yeah. So the Hub 24, just the only question I was regarding was that I had my partner did ask me this.\n\nSo, you know, the big I think the big one, like, Steve Austin all at which they have the insurance and stuff like that. If something happens to them and they lose money or something that the insurance pays out, is HubSpotty four sort of covered in that way as well if they do have a massive financial issue? Yeah. Yeah. She wasn't she wasn't sure if she was, like, just questioning me about it.\n\nAnd I'm like, why she don't know whether it is, but I would assume that it would be covered. So Yep. Yeah. And that's the same with Save us and all that. Isn't it?\n\nIf they were to have issues, it's just their funds are invested. So you're really relying on you're really relying on your funds to do well. And if one of the investors completely tanked, then you kinda lose that just the stock market, isn't it? Yep. Yeah.\n\nYeah. So the the bigger ones like Feebas are the they're the more safe but lower growth options I've found. So I noticed that they tend tend to be the safer option, but their growth isn't as good as what like, the growth that I had on it versus the growth that I've had with HubSpot. Look, with you guys have been totally different. Yep.\n\nThat's beautiful. Yeah. So the the main thing was sort of the golden silver side of it. The rest of it's questions that have come to mind as I've been chatting. And no.\n\nBut as I said, I'm happy to as long as obviously, like, if if one of the investments really does take a bit of a hit, is that you guys would obviously look at it as popping out or riding it out until if if you know it's not gonna be coming back, you obviously be popping out of it. But if you yeah. As I said, like, we're leaving it with you guys. You know the market better than what I do. Yep.\n\nSounds right. Beautiful. I think it'll be palatable. Yeah. Well, have a lovely weekend.\n\nHope that the weather's less out there. I think you don't you think you get a bit of rain, are you? They're tropical. It's true that I was up to nearly last year in August, and it was just too late. Lovely weather.\n\nYeah. It's a quaint light. Yep. Yep. No problem.\n\nThank you. I will. Will, Dave. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.025403130799531937},{"text":"Ray speaking.","start":0.79999995,"end":1.54,"sentiment":"neutral","sentiment_score":0.025087070651352406},{"text":"I'm good.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.4914165139198303},{"text":"And yourself?","start":6.48,"end":7.06,"sentiment":"neutral","sentiment_score":0.3094679266214371},{"text":"Yeah.","start":17.494999,"end":17.815,"sentiment":"neutral","sentiment_score":0.05697032064199448}],"sentiment":"neutral","sentiment_score":0.21678955922834575,"num_words":8,"start":0.56,"end":17.815},{"sentences":[{"text":"It was I think yeah.","start":17.815,"end":20.615,"sentiment":"neutral","sentiment_score":0.0665064200758934},{"text":"Definitely.","start":20.615,"end":21.095001,"sentiment":"neutral","sentiment_score":0.112114779651165},{"text":"I was more interested in the silver and the gold side of things.","start":21.095001,"end":23.895,"sentiment":"neutral","sentiment_score":0.08942829101131512},{"text":"That's physical silver and gold.","start":23.895,"end":25.735,"sentiment":"neutral","sentiment_score":0.05449399277567864},{"text":"Yeah.","start":25.735,"end":26.235,"sentiment":"neutral","sentiment_score":0.078221395611763}],"sentiment":"neutral","sentiment_score":0.07831624090671539,"num_words":25,"start":17.815,"end":26.235},{"sentences":[{"text":"That's fine.","start":32.9,"end":33.38,"sentiment":"neutral","sentiment_score":0.10434087365865707},{"text":"I have plenty of time.","start":33.38,"end":34.6,"sentiment":"neutral","sentiment_score":0.09081192761659622},{"text":"Aaron.","start":36.1,"end":36.6,"sentiment":"neutral","sentiment_score":0.17206057906150818},{"text":"So I've got an Aaron for thirty minutes.","start":39.54,"end":40.809998,"sentiment":"neutral","sentiment_score":0.03892092849127948},{"text":"I'm sorry.","start":40.809998,"end":41.559998,"sentiment":"neutral","sentiment_score":-0.0016674846410751343}],"sentiment":"neutral","sentiment_score":0.06349080128388272,"num_words":18,"start":32.9,"end":41.559998},{"sentences":[{"text":"He's took the best time to talk to me.","start":42.18,"end":49.394997,"sentiment":"neutral","sentiment_score":0.03858702505628268},{"text":"Sure.","start":53.535,"end":54.035,"sentiment":"neutral","sentiment_score":0.13937880098819733},{"text":"Alright, Sarah.","start":61.649998,"end":62.45,"sentiment":"neutral","sentiment_score":0.03331321105360985},{"text":"It's the 9th to twelfth on in Antioch.","start":62.45,"end":64.229996,"sentiment":"neutral","sentiment_score":0.03562777768820524},{"text":"It should be 7 Saint Mary Drive.","start":64.29,"end":65.81,"sentiment":"neutral","sentiment_score":0.042867042656455724}],"sentiment":"neutral","sentiment_score":0.04216222106306641,"num_words":27,"start":42.18,"end":65.81},{"sentences":[{"text":"It's okay.","start":65.81,"end":66.47,"sentiment":"neutral","sentiment_score":0.11471890658140182},{"text":"Oh, it's just interesting because over the last couple of years, gold and silver have both gone up quite rapidly.","start":100.034996,"end":104.854996,"sentiment":"neutral","sentiment_score":0.04843450728803873},{"text":"Physical gold and silver have gone up quite rapidly.","start":104.994995,"end":107.55499,"sentiment":"neutral","sentiment_score":0.153355466408862},{"text":"And it was something where if it drops in price, it doesn't drop by a lot, and it's a currency that is physical essentially.","start":107.55499,"end":119.03,"sentiment":"neutral","sentiment_score":0.12179515076180299},{"text":"Like, it's everywhere in the world.","start":119.03,"end":120.49,"sentiment":"neutral","sentiment_score":0.0911851239701112}],"sentiment":"neutral","sentiment_score":0.09915609047061107,"num_words":61,"start":65.81,"end":120.49},{"sentences":[{"text":"So because that's essentially buying bullion, isn't it?","start":122.31,"end":127.535,"sentiment":"neutral","sentiment_score":0.04103030962869525},{"text":"Yeah.","start":142.25,"end":142.75,"sentiment":"neutral","sentiment_score":0.02040310576558113},{"text":"Yep.","start":154.355,"end":154.855,"sentiment":"neutral","sentiment_score":-0.010691633448004724},{"text":"Yeah.","start":226.81,"end":227.29001,"sentiment":"neutral","sentiment_score":0.1414479911327362},{"text":"It wouldn't hurt.","start":227.29001,"end":228.09,"sentiment":"neutral","sentiment_score":0.18396691977977753}],"sentiment":"neutral","sentiment_score":0.0736644785585148,"num_words":14,"start":122.31,"end":228.09},{"sentences":[{"text":"The reason I say silver is because silver is because the way that the world's going with info, everything's becoming data.","start":228.09,"end":234.51001,"sentiment":"neutral","sentiment_score":0.1525073459460622},{"text":"Silver's required in a lot of it.","start":236.42499,"end":237.94499,"sentiment":"neutral","sentiment_score":0.10623036537851606},{"text":"So the value of silver has gone up.","start":237.94499,"end":239.86499,"sentiment":"neutral","sentiment_score":0.25193172227591276},{"text":"I have noticed that it has gone up quite a bit.","start":239.86499,"end":242.105,"sentiment":"positive","sentiment_score":0.3668618716976859},{"text":"It's not ridiculously pricey, but it has gone up from you know, you had a $10.20 dollar growth over a year.","start":242.105,"end":249.06499,"sentiment":"positive","sentiment_score":0.33486694452308474}],"sentiment":"neutral","sentiment_score":0.25043245624093446,"num_words":68,"start":228.09,"end":249.06499},{"sentences":[{"text":"It's pretty good for something that's silver.","start":249.06499,"end":253.04,"sentiment":"positive","sentiment_score":0.6749875800950187},{"text":"I think it's actually had a bit more, but because I do watch I watch I have got trending on gold and silver prices.","start":253.04,"end":259.38,"sentiment":"neutral","sentiment_score":0.23518341841797033},{"text":"That's why I'm gonna look at buying it outside myself as well as the physical buying physical gold, like my own bullion that I'll store as well.","start":259.52,"end":269.29498,"sentiment":"neutral","sentiment_score":0.23573067287604013},{"text":"But so you don't have anywhere in Australia that you buy it through, you invested in, or is that not really a thing?","start":271.995,"end":278.095,"sentiment":"neutral","sentiment_score":-0.01772838725667933},{"text":"Yeah.","start":283.33,"end":283.83,"sentiment":"neutral","sentiment_score":0.01859533227980137}],"sentiment":"neutral","sentiment_score":0.19932787433811805,"num_words":82,"start":249.06499,"end":283.83},{"sentences":[{"text":"I as far as I'm away, just walking and buy it.","start":291.88998,"end":294.675,"sentiment":"neutral","sentiment_score":-0.09816954894499345},{"text":"It.","start":297.155,"end":297.235,"sentiment":"neutral","sentiment_score":0.01673688367009163},{"text":"Because I I was yeah.","start":297.235,"end":302.675,"sentiment":"neutral","sentiment_score":0.023178360611200332},{"text":"Well, that's the thing.","start":302.675,"end":304.115,"sentiment":"neutral","sentiment_score":0.03808496659621596},{"text":"The place I have looked at buying physical is you buy storage there as well.","start":304.115,"end":308.87,"sentiment":"neutral","sentiment_score":0.034565109635392825}],"sentiment":"neutral","sentiment_score":-0.007678328909807735,"num_words":36,"start":291.88998,"end":308.87},{"sentences":[{"text":"So you buy through them and they store it all.","start":309.81,"end":311.81,"sentiment":"neutral","sentiment_score":0.10941029042005539},{"text":"Because I was I was thinking about whether I would, like, take out super to buy gold myself with because of the light sort of been trending.","start":311.81,"end":324.265,"sentiment":"neutral","sentiment_score":0.07513656467199326},{"text":"But I yeah.","start":324.265,"end":325.385,"sentiment":"neutral","sentiment_score":0.07011272013187408},{"text":"I'm not I'm always hesitant to do that kind of stuff because super sort of that's your retirement fund.","start":325.385,"end":331.305,"sentiment":"neutral","sentiment_score":0.06645707472374565},{"text":"But we Yeah.","start":331.305,"end":350.64502,"sentiment":"neutral","sentiment_score":0.04362096016605695}],"sentiment":"neutral","sentiment_score":0.07623670340305375,"num_words":62,"start":309.81,"end":350.64502},{"sentences":[{"text":"Yeah.","start":360.70502,"end":361.105,"sentiment":"neutral","sentiment_score":-0.1032322645187378},{"text":"That's what I was unsure about.","start":361.105,"end":362.785,"sentiment":"neutral","sentiment_score":-0.22195416440566382},{"text":"So I've seen a lot of people do self manage, and, recently, a lot of self managed ones took quite a hit with the way the economy is going.","start":362.785,"end":371.44,"sentiment":"negative","sentiment_score":-0.4899336151007948},{"text":"So Yes.","start":373.66,"end":389.855,"sentiment":"neutral","sentiment_score":-0.0663050152361393},{"text":"Yeah.","start":437.535,"end":438.035,"sentiment":"neutral","sentiment_score":-0.05434790626168251}],"sentiment":"negative","sentiment_score":-0.4058971801438393,"num_words":39,"start":360.70502,"end":438.035},{"sentences":[{"text":"Yep.","start":456.15,"end":456.65,"sentiment":"neutral","sentiment_score":0.0042893411591649055},{"text":"Yeah.","start":468.925,"end":469.425,"sentiment":"neutral","sentiment_score":0.14811933040618896},{"text":"Whatever makes it great.","start":469.485,"end":470.945,"sentiment":"positive","sentiment_score":0.33898504078388214},{"text":"I'm happy to lose the ones that aren't performing.","start":471.725,"end":473.82498,"sentiment":"neutral","sentiment_score":0.17111275179518592},{"text":"Yeah.","start":516.84,"end":517.34,"sentiment":"neutral","sentiment_score":0.07002270221710205}],"sentiment":"neutral","sentiment_score":0.19489914394216612,"num_words":16,"start":456.15,"end":517.34},{"sentences":[{"text":"Yeah.","start":537.45496,"end":537.855,"sentiment":"neutral","sentiment_score":0.12524425983428955},{"text":"That's fine.","start":537.855,"end":538.495,"sentiment":"neutral","sentiment_score":0.17243196070194244},{"text":"As As long as, like, you guys obviously well, you do this for a living, so you're gonna know more about it than what I will.","start":538.495,"end":543.33997,"sentiment":"neutral","sentiment_score":0.15012470776071915},{"text":"If you can yeah.","start":543.8,"end":547.26,"sentiment":"neutral","sentiment_score":0.11810112744569778},{"text":"Yep.","start":566.625,"end":567.125,"sentiment":"neutral","sentiment_score":0.000991398235782981}],"sentiment":"neutral","sentiment_score":0.1425513673833955,"num_words":34,"start":537.45496,"end":567.125},{"sentences":[{"text":"Yeah.","start":587.115,"end":587.435,"sentiment":"neutral","sentiment_score":0.01830626465380192},{"text":"I can't say why not.","start":587.435,"end":588.89496,"sentiment":"neutral","sentiment_score":-0.0526774562895298},{"text":"As I said, you guys know what you're doing.","start":590.95496,"end":592.95496,"sentiment":"neutral","sentiment_score":0.042810255040725075},{"text":"I'm just gonna look at it and go, okay.","start":592.95496,"end":594.76996,"sentiment":"neutral","sentiment_score":0.03790901249481572},{"text":"But as long as it's performing.","start":594.76996,"end":596.20996,"sentiment":"neutral","sentiment_score":0.003972740223010381}],"sentiment":"neutral","sentiment_score":0.016840961078802744,"num_words":30,"start":587.115,"end":596.20996},{"sentences":[{"text":"If it's not performing, then I'm gonna be questioning things.","start":596.20996,"end":598.79,"sentiment":"neutral","sentiment_score":-0.12517742738127707},{"text":"Yeah.","start":615.45496,"end":615.95496,"sentiment":"neutral","sentiment_score":-0.06179357320070267},{"text":"Probably Tuesday.","start":689.085,"end":689.965,"sentiment":"neutral","sentiment_score":-0.08961024135351181},{"text":"It shouldn't be having any issues at all.","start":689.965,"end":691.985,"sentiment":"neutral","sentiment_score":-0.13850340899080038},{"text":"It's right in the nice.","start":699.82,"end":712.39996,"sentiment":"neutral","sentiment_score":0.171549554169178}],"sentiment":"neutral","sentiment_score":-0.06704107041542347,"num_words":26,"start":596.20996,"end":712.39996},{"sentences":[{"text":"Yeah.","start":716.885,"end":717.04504,"sentiment":"positive","sentiment_score":0.427087664604187},{"text":"It's been giving a pretty good return.","start":717.04504,"end":718.72504,"sentiment":"positive","sentiment_score":0.6321648529597691},{"text":"Anything above 7% is pretty good annually.","start":718.72504,"end":721.22504,"sentiment":"positive","sentiment_score":0.5342503019741603},{"text":"Yeah.","start":733.35004,"end":733.75,"sentiment":"neutral","sentiment_score":-0.10999850928783415},{"text":"Yeah.","start":733.75,"end":733.91003,"sentiment":"neutral","sentiment_score":-0.10223623365163804}],"sentiment":"positive","sentiment_score":0.4929270003648365,"num_words":17,"start":716.885,"end":733.91003},{"sentences":[{"text":"I always all the shit going on around the the crazy world at the moment, but markets are all over the shop.","start":733.91003,"end":740.73004,"sentiment":"neutral","sentiment_score":-0.1690019734881141},{"text":"I got my that are investors, and they they took a hit with some things because of what America did and then other things to the market, and then, obviously, the way the economy is going, everything affects it some way or another.","start":740.87006,"end":752.98505,"sentiment":"neutral","sentiment_score":-0.2093463232524173},{"text":"That's true.","start":819.85,"end":820.75,"sentiment":"neutral","sentiment_score":0.23568561673164368},{"text":"Because I have I have at one point, I was I'm was on the process of getting into investing myself personally.","start":820.89,"end":829.89496,"sentiment":"neutral","sentiment_score":0.10940397442096755},{"text":"But I rather than invest straight away, I actually just selected a handful of ETFs to follow and just monitored them for probably about six months to see whether I actually wanted to or not.","start":831.39496,"end":841.75,"sentiment":"neutral","sentiment_score":0.07568097843655518}],"sentiment":"neutral","sentiment_score":-0.05936785670739364,"num_words":123,"start":733.91003,"end":841.75},{"sentences":[{"text":"See how they performed, how they did.","start":843.88995,"end":846.05,"sentiment":"neutral","sentiment_score":0.18510017650468008},{"text":"There's a couple that have been around for years, and there's a couple that are sort of starting up.","start":846.05,"end":849.97,"sentiment":"neutral","sentiment_score":0.08876881513156389},{"text":"And it was interesting to see look.","start":849.97,"end":852.325,"sentiment":"neutral","sentiment_score":0.11005147865840367},{"text":"The growth wasn't great on them, but that's you know, six months growth isn't really gonna be crazy.","start":852.325,"end":856.72504,"sentiment":"neutral","sentiment_score":-0.036001722431845136},{"text":"But you could say that there'd be a day where it's in the positive and then the day in the negative and just back and forth.","start":856.72504,"end":861.925,"sentiment":"neutral","sentiment_score":0.039932990446686745}],"sentiment":"neutral","sentiment_score":0.053803841837427833,"num_words":77,"start":843.88995,"end":861.925},{"sentences":[{"text":"And it's just a good to see the market works that way.","start":861.925,"end":866.905,"sentiment":"positive","sentiment_score":0.3548463545739651},{"text":"But and, like, I still haven't really invested in anything, but it's on the process.","start":868.52,"end":874.06,"sentiment":"neutral","sentiment_score":0.008912791560093562},{"text":"I just like watching them together.","start":874.76,"end":876.38,"sentiment":"neutral","sentiment_score":0.05257362313568592},{"text":"Yeah.","start":909.875,"end":910.275,"sentiment":"neutral","sentiment_score":0.024635225534439087},{"text":"That's what I noticed.","start":910.275,"end":911.075,"sentiment":"neutral","sentiment_score":0.04474600963294506}],"sentiment":"neutral","sentiment_score":0.12923445082024523,"num_words":38,"start":861.925,"end":911.075},{"sentences":[{"text":"We'd like oh, you got your the EFS, I was mostly looking at a fairly safe so the BlackRock and there's another one in that company, the other company.","start":911.075,"end":920.435,"sentiment":"neutral","sentiment_score":0.04052619372719321},{"text":"And that BlackRock's been there for years.","start":920.435,"end":922.455,"sentiment":"neutral","sentiment_score":0.045919948922736306},{"text":"So it's, like, it's pretty solid investment.","start":923.85004,"end":925.87,"sentiment":"positive","sentiment_score":0.33506072631904055},{"text":"So but it is it's not because Yeah.","start":927.05,"end":930.43,"sentiment":"neutral","sentiment_score":0.0032723392359912395},{"text":"Well, I do actually, I do look at my statements as well just to see how how the shares are tracking and how my super is going, but well aware that, you know, it has highs and lows.","start":931.13,"end":943.505,"sentiment":"neutral","sentiment_score":0.020060572993794556}],"sentiment":"neutral","sentiment_score":0.05202926778014791,"num_words":89,"start":911.075,"end":943.505},{"sentences":[{"text":"And you might turn it on one day and it's down, and the next week, you look at it and it's up.","start":943.505,"end":947.825,"sentiment":"neutral","sentiment_score":-0.11092000894925812},{"text":"So that's just how I as long as when I retire, the money's out.","start":947.825,"end":955.29004,"sentiment":"neutral","sentiment_score":-0.3046650455466339},{"text":"I don't give a shit how I get there.","start":955.29004,"end":957.19,"sentiment":"negative","sentiment_score":-0.3688193592760298},{"text":"Yep.","start":966.27496,"end":966.77496,"sentiment":"neutral","sentiment_score":0.26145219802856445},{"text":"Look.","start":986.29,"end":986.53,"sentiment":"neutral","sentiment_score":-0.02953145280480385}],"sentiment":"neutral","sentiment_score":-0.2083617941020651,"num_words":47,"start":943.505,"end":986.53},{"sentences":[{"text":"I don't know, to be honest.","start":986.53,"end":988.13,"sentiment":"neutral","sentiment_score":-0.0777916746834914},{"text":"Like, I'm retiring.","start":988.13,"end":989.245,"sentiment":"neutral","sentiment_score":-0.07101740191380183},{"text":"I I look.","start":989.245,"end":990.045,"sentiment":"neutral","sentiment_score":-0.10252942889928818},{"text":"I get crazy if I retired.","start":990.045,"end":991.565,"sentiment":"neutral","sentiment_score":-0.22732026626666388},{"text":"I just have to work.","start":991.565,"end":992.52496,"sentiment":"neutral","sentiment_score":-0.13610780388116836}],"sentiment":"neutral","sentiment_score":-0.13181961554548013,"num_words":23,"start":986.53,"end":992.52496},{"sentences":[{"text":"So Yeah.","start":992.52496,"end":1047.395,"sentiment":"neutral","sentiment_score":0.07466711103916168},{"text":"That sounds great.","start":1047.395,"end":1048.195,"sentiment":"positive","sentiment_score":0.5301527380943298},{"text":"I have no issue with that.","start":1048.195,"end":1049.895,"sentiment":"neutral","sentiment_score":0.32497358570496243},{"text":"Yeah.","start":1050.995,"end":1051.315,"sentiment":"neutral","sentiment_score":0.07758597284555435},{"text":"Thirty thirty years is too long.","start":1051.315,"end":1053.075,"sentiment":"neutral","sentiment_score":-0.11635653364161651}],"sentiment":"neutral","sentiment_score":0.17050448453260791,"num_words":18,"start":992.52496,"end":1053.075},{"sentences":[{"text":"That's if you're gonna tell me what it is in thirty years, I'll be like, sure.","start":1053.075,"end":1056.4349,"sentiment":"neutral","sentiment_score":-0.07989206211641431},{"text":"When I get there and I see it, that's that'll be fine, but who knows what tomorrow will bring?","start":1056.4349,"end":1061.575,"sentiment":"neutral","sentiment_score":-0.06013456467343004},{"text":"So so I'm ringing I'm ringing around to see who's got a horse so I can start riding.","start":1071.4701,"end":1075.41,"sentiment":"neutral","sentiment_score":-0.023542108324666817},{"text":"Yeah.","start":1084.195,"end":1084.515,"sentiment":"neutral","sentiment_score":-0.0312018021941185},{"text":"I don't think I've got an electric scooter at home, but say next next week or two will tell us.","start":1084.515,"end":1091.7,"sentiment":"neutral","sentiment_score":-0.06920722220093012}],"sentiment":"neutral","sentiment_score":-0.05756667457722329,"num_words":74,"start":1053.075,"end":1091.7},{"sentences":[{"text":"The oil that's one of the lowest home markets at the moment, the oil market.","start":1091.7,"end":1096.2799,"sentiment":"neutral","sentiment_score":-0.13450983290870985},{"text":"Look.","start":1124.47,"end":1124.97,"sentiment":"neutral","sentiment_score":-0.10551002621650696},{"text":"Like anything, it is concerning to see investments drop, but what do you do?","start":1125.11,"end":1131.875,"sentiment":"neutral","sentiment_score":-0.14296272343822888},{"text":"Like like well, at the end of the day, I know that, like, at least I'm not sitting in Seabass, which wasn't really going anywhere in that way apart from unless I put input.","start":1133.695,"end":1147.03,"sentiment":"neutral","sentiment_score":-0.1263770442456007},{"text":"And then you guys are looking after it.","start":1147.25,"end":1149.0901,"sentiment":"neutral","sentiment_score":-0.12099715508520603}],"sentiment":"neutral","sentiment_score":-0.13040878323631155,"num_words":72,"start":1091.7,"end":1149.0901},{"sentences":[{"text":"So having the knowledge of knowing that you guys will alter things if the market isn't looking good or certain investments aren't working probably means that I'm more comfortable knowing that if there's a drop in it that it will recover.","start":1149.0901,"end":1164.505,"sentiment":"neutral","sentiment_score":-0.19972322236110523},{"text":"Providing that they're gonna come back, it's hard how well I don't have the insight to tell without a doubt to sit there and go, well, that's dropped x amount, but it will rebound.","start":1185.355,"end":1194.415,"sentiment":"neutral","sentiment_score":-0.2201516544994186},{"text":"But if it is willing if it is gonna rate like, if you say something and you're like, oh, it's dropped, but there's a big chance that this will bounce back, it's worth putting into, then that's on you guys to really do more than me.","start":1195.515,"end":1209.55,"sentiment":"neutral","sentiment_score":0.004148903707771197},{"text":"Like, I I wouldn't be able to sit there and look at it and go, hey.","start":1209.55,"end":1212.675,"sentiment":"neutral","sentiment_score":-0.027927967836149037},{"text":"I noticed this has dropped.","start":1212.675,"end":1214.8551,"sentiment":"neutral","sentiment_score":-0.0790670782327652}],"sentiment":"neutral","sentiment_score":-0.1149657864490865,"num_words":142,"start":1149.0901,"end":1214.8551},{"sentences":[{"text":"Is it worth putting more into it?","start":1215.4751,"end":1217.2351,"sentiment":"neutral","sentiment_score":-0.04630314665181296},{"text":"Whereas you guys would be like, oh, this has dropped.","start":1217.2351,"end":1219.3351,"sentiment":"neutral","sentiment_score":-0.026079653203487395},{"text":"It will probably rebound.","start":1219.9551,"end":1221.255,"sentiment":"neutral","sentiment_score":0.016301210038363934},{"text":"Let's buy.","start":1221.795,"end":1222.615,"sentiment":"neutral","sentiment_score":0.0805039070546627},{"text":"Yeah.","start":1228.79,"end":1229.29,"sentiment":"neutral","sentiment_score":0.10959137976169586}],"sentiment":"neutral","sentiment_score":-0.010379771857211987,"num_words":24,"start":1215.4751,"end":1229.29},{"sentences":[{"text":"Definitely.","start":1230.8701,"end":1231.3701,"sentiment":"positive","sentiment_score":0.44954216480255127},{"text":"Look.","start":1232.2301,"end":1232.4701,"sentiment":"neutral","sentiment_score":0.33135104179382324},{"text":"I'm not stressed about it.","start":1232.4701,"end":1234.01,"sentiment":"neutral","sentiment_score":0.06889925934374333},{"text":"That's that for me would be playing with Fire.","start":1249.185,"end":1251.505,"sentiment":"neutral","sentiment_score":-0.15133262094524172},{"text":"And I think me playing with Fire is safer than that, to be honest with you.","start":1251.505,"end":1255.44,"sentiment":"neutral","sentiment_score":-0.061320481821894646}],"sentiment":"neutral","sentiment_score":-0.03805411857319996,"num_words":32,"start":1230.8701,"end":1255.44},{"sentences":[{"text":"Alright.","start":1256.6399,"end":1256.8799,"sentiment":"neutral","sentiment_score":0.0654691681265831},{"text":"Look.","start":1256.8799,"end":1257.2,"sentiment":"neutral","sentiment_score":0.022192182019352913},{"text":"If if if I if I'm if I was confident enough to know that because the problem is regardless of the loans, at some point, you're gonna have losses, and that's when you start stressing about repayments.","start":1257.2,"end":1274.915,"sentiment":"neutral","sentiment_score":-0.15192765339806275},{"text":"And I don't have I know that I don't have the cash flow to look after, facilitate those loans, so I wouldn't do it.","start":1275.055,"end":1282.79,"sentiment":"neutral","sentiment_score":-0.2551017062117656},{"text":"Even though the the reward could be greater in a year or two, it's not worth the risk currently in the stitch in the way the economy is the way I look at it.","start":1282.79,"end":1295.055,"sentiment":"neutral","sentiment_score":-0.18861170041867914}],"sentiment":"neutral","sentiment_score":-0.18627732565876134,"num_words":97,"start":1256.6399,"end":1295.055},{"sentences":[{"text":"Probably paying the mortgage off is the main one.","start":1308.61,"end":1311.11,"sentiment":"neutral","sentiment_score":-0.028460266585979197},{"text":"I couldn't I'd like to buy investment properties, but it wouldn't be in Australia.","start":1311.1699,"end":1316.23,"sentiment":"neutral","sentiment_score":-0.05152646398970059},{"text":"Like well, not Victoria anyway.","start":1318.21,"end":1320.61,"sentiment":"neutral","sentiment_score":-0.012017758190631866},{"text":"It's ridiculous.","start":1320.61,"end":1321.27,"sentiment":"neutral","sentiment_score":-0.18918117880821228},{"text":"You buy and you get taxed through the roof.","start":1321.33,"end":1323.35,"sentiment":"neutral","sentiment_score":-0.07968592906319019}],"sentiment":"neutral","sentiment_score":-0.054695830904305555,"num_words":39,"start":1308.61,"end":1323.35},{"sentences":[{"text":"Mate, like, I look.","start":1325.285,"end":1326.245,"sentiment":"neutral","sentiment_score":0.08020249381661415},{"text":"I if it's a possibility and there's a good return from it, I'm sure.","start":1326.245,"end":1330.665,"sentiment":"neutral","sentiment_score":0.13329230355364935},{"text":"Some people do it with their super and they do really well on it.","start":1330.885,"end":1335.225,"sentiment":"neutral","sentiment_score":0.14496906899980136},{"text":"Yeah.","start":1336.8201,"end":1337.3201,"sentiment":"neutral","sentiment_score":0.0018744557164609432},{"text":"But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on it.","start":1337.38,"end":1344.84,"sentiment":"negative","sentiment_score":-0.3958534123720946}],"sentiment":"neutral","sentiment_score":-0.10782830812192211,"num_words":60,"start":1325.285,"end":1344.84},{"sentences":[{"text":"Yeah.","start":1416.265,"end":1416.5851,"sentiment":"neutral","sentiment_score":-0.03755182772874832},{"text":"I think it's it's doing really I say it's doing alright for what it is.","start":1416.5851,"end":1420.185,"sentiment":"neutral","sentiment_score":-0.07235963220397632},{"text":"Like, as you said, like, it's gonna take a hit.","start":1420.185,"end":1423.73,"sentiment":"neutral","sentiment_score":-0.2309689052402973},{"text":"Like, this year, we'll probably take a hit on it.","start":1423.73,"end":1425.49,"sentiment":"neutral","sentiment_score":-0.25197106748819353},{"text":"Next year, you'll have growth, and that's just how the world works.","start":1425.49,"end":1428.23,"sentiment":"neutral","sentiment_score":-0.12435926124453545}],"sentiment":"neutral","sentiment_score":-0.15509702443766096,"num_words":48,"start":1416.265,"end":1428.23},{"sentences":[{"text":"So, like, yeah, it's just market's fluctuate.","start":1431.49,"end":1435.1749,"sentiment":"neutral","sentiment_score":0.10239455423184804},{"text":"I'm like, that's my understanding of it.","start":1435.5549,"end":1437.735,"sentiment":"neutral","sentiment_score":0.07244385778903961},{"text":"And, you know, you gotta be in it to win it partially as well.","start":1439.955,"end":1442.6749,"sentiment":"neutral","sentiment_score":0.06808391665773732},{"text":"So Sounds good.","start":1442.6749,"end":1584.875,"sentiment":"positive","sentiment_score":0.3726792012651761},{"text":"I doubt it.","start":1607.095,"end":1607.895,"sentiment":"neutral","sentiment_score":-0.23513227701187134}],"sentiment":"neutral","sentiment_score":0.07616719088571913,"num_words":34,"start":1431.49,"end":1607.895},{"sentences":[{"text":"Whatever rate we can.","start":1607.895,"end":1608.9349,"sentiment":"neutral","sentiment_score":-0.24793174490332603},{"text":"I think there's a rate rise coming, which won't help, but yeah.","start":1608.9349,"end":1616.215,"sentiment":"neutral","sentiment_score":-0.3217149277528127},{"text":"I think there's another one too just from what I've got from what I've read.","start":1616.215,"end":1619.9149,"sentiment":"neutral","sentiment_score":-0.08399587720632554},{"text":"Yeah.","start":1651.8301,"end":1651.91,"sentiment":"neutral","sentiment_score":-0.10019992291927338},{"text":"They have to do it.","start":1651.91,"end":1652.9501,"sentiment":"neutral","sentiment_score":-0.17776085138320924}],"sentiment":"neutral","sentiment_score":-0.19192563379938538,"num_words":37,"start":1607.895,"end":1652.9501},{"sentences":[{"text":"Unfortunately, just to try and combat everything.","start":1652.9501,"end":1655.4501,"sentiment":"neutral","sentiment_score":-0.2893637312310083},{"text":"Well, let's they're out.","start":1655.67,"end":1658.17,"sentiment":"neutral","sentiment_score":-0.011960800737142563},{"text":"There are other things that, unfortunately, with everything that's going on at the moment, I think there'll be one coming.","start":1659.75,"end":1664.89,"sentiment":"neutral","sentiment_score":-0.1507546752691269},{"text":"But that doesn't that doesn't worry.","start":1666.025,"end":1668.985,"sentiment":"neutral","sentiment_score":-0.026022327442963917},{"text":"I was talking about whether I'd lock into a fixed contract, but that's essentially, what you're locking to fix for your home loan is what the rate laws will go to anyway, so you don't really win out of it.","start":1668.985,"end":1679.245,"sentiment":"neutral","sentiment_score":-0.05378156201913953}],"sentiment":"neutral","sentiment_score":-0.09605038016066923,"num_words":77,"start":1652.9501,"end":1679.245},{"sentences":[{"text":"Yeah.","start":1701.4451,"end":1701.765,"sentiment":"neutral","sentiment_score":-0.05810006707906723},{"text":"We noticed that when they went we were on 2% for ages and then that they jacked up to five during COVID because of the lockdown and all the shit that Victorian government basically crippled Australia with.","start":1701.765,"end":1715.26,"sentiment":"neutral","sentiment_score":-0.26485362830194265},{"text":"And then we came off, and we're like, oh, we're panicking a little bit, and actually, I thought it was bad as what it's gonna be.","start":1715.26,"end":1722.135,"sentiment":"negative","sentiment_score":-0.43774973486478513},{"text":"Sorry.","start":1722.455,"end":1722.955,"sentiment":"neutral","sentiment_score":-0.18298177421092987},{"text":"No.","start":1726.215,"end":1726.715,"sentiment":"neutral","sentiment_score":0.0879441648721695}],"sentiment":"neutral","sentiment_score":-0.3232456822738503,"num_words":66,"start":1701.4451,"end":1726.715},{"sentences":[{"text":"Yeah.","start":1746.63,"end":1747.13,"sentiment":"neutral","sentiment_score":0.02632366120815277},{"text":"Anytime after 04:30, Monday to Friday.","start":1747.35,"end":1749.77,"sentiment":"neutral","sentiment_score":0.024818158087631065},{"text":"That's the is that is that the Easter weekend?","start":1756.845,"end":1760.945,"sentiment":"neutral","sentiment_score":-0.009499004343524575},{"text":"Before yeah.","start":1765.76,"end":1766.3201,"sentiment":"neutral","sentiment_score":0.010993113741278648},{"text":"That will be fine.","start":1766.3201,"end":1767.62,"sentiment":"neutral","sentiment_score":0.042817315086722374}],"sentiment":"neutral","sentiment_score":0.012863502657802945,"num_words":22,"start":1746.63,"end":1767.62},{"sentences":[{"text":"No.","start":1770.9601,"end":1771.2001,"sentiment":"neutral","sentiment_score":-0.07709430158138275},{"text":"No.","start":1771.2001,"end":1771.7001,"sentiment":"neutral","sentiment_score":-0.07576215267181396},{"text":"The I don't know.","start":1773.68,"end":1774.64,"sentiment":"neutral","sentiment_score":-0.07491474226117134},{"text":"The week before works fine.","start":1774.64,"end":1776.66,"sentiment":"neutral","sentiment_score":-0.016243826784193515},{"text":"The week before because the week after Easter, I'm I'm at the hotel prior for a few days.","start":1776.915,"end":1782.775,"sentiment":"neutral","sentiment_score":-0.013737327703792188}],"sentiment":"neutral","sentiment_score":-0.026931257099555485,"num_words":29,"start":1770.9601,"end":1782.775},{"sentences":[{"text":"Yep.","start":1784.755,"end":1785.255,"sentiment":"neutral","sentiment_score":0.004483094438910484},{"text":"That'd be three thirty or a turn on and 04:30 out.","start":1800.91,"end":1804.13,"sentiment":"neutral","sentiment_score":0.022669356993653557},{"text":"Yeah.","start":1805.4149,"end":1805.8949,"sentiment":"neutral","sentiment_score":0.12806490063667297},{"text":"Works for me.","start":1805.8949,"end":1806.615,"sentiment":"neutral","sentiment_score":0.22064281006654105},{"text":"Yeah.","start":1806.615,"end":1806.855,"sentiment":"neutral","sentiment_score":0.14910441637039185}],"sentiment":"neutral","sentiment_score":0.07017316285739927,"num_words":17,"start":1784.755,"end":1806.855},{"sentences":[{"text":"That's when I'm usually driving home, so it's best time to get ahold of me.","start":1806.855,"end":1810.315,"sentiment":"neutral","sentiment_score":0.14895276923974354},{"text":"Oh, buddy.","start":1815.255,"end":1815.9149,"sentiment":"neutral","sentiment_score":0.19985825568437576},{"text":"Yep.","start":1816.6901,"end":1817.1901,"sentiment":"neutral","sentiment_score":0.31144317984580994},{"text":"Then I'm good.","start":1824.61,"end":1825.89,"sentiment":"neutral","sentiment_score":0.32761164506276447},{"text":"What's so just a quick question.","start":1825.89,"end":1827.91,"sentiment":"neutral","sentiment_score":0.02304576865086953}],"sentiment":"neutral","sentiment_score":0.1506133621075639,"num_words":27,"start":1806.855,"end":1827.91},{"sentences":[{"text":"But What do you think it's the right thing to put money into silver, or is it not really worth it at the moment?","start":1827.97,"end":1836.185,"sentiment":"neutral","sentiment_score":-0.14749068689222136},{"text":"Yes.","start":1858.4049,"end":1858.9049,"sentiment":"neutral","sentiment_score":0.13904082775115967},{"text":"Yep.","start":1872.72,"end":1873.22,"sentiment":"neutral","sentiment_score":-0.07084028422832489},{"text":"No.","start":1878.88,"end":1879.12,"sentiment":"neutral","sentiment_score":-0.1435927450656891},{"text":"That's that's because I I just know that those so those two, gold and silver in particular, aren't they're not a get rich quick investment.","start":1879.12,"end":1891.0751,"sentiment":"neutral","sentiment_score":-0.11274049699306488}],"sentiment":"neutral","sentiment_score":-0.12372463676505364,"num_words":52,"start":1827.97,"end":1891.0751},{"sentences":[{"text":"It's a 30 point is down the line investment.","start":1891.4551,"end":1895.17,"sentiment":"neutral","sentiment_score":-0.0003905885128511325},{"text":"That's what it's like.","start":1896.51,"end":1897.4701,"sentiment":"neutral","sentiment_score":0.20957044139504433},{"text":"Even if you even if I had I bought 50,000 gold today and I had thirty years on it, I'd have a good return on it.","start":1897.4701,"end":1904.43,"sentiment":"neutral","sentiment_score":0.29361476691869587},{"text":"So that's what my my my thought process is like.","start":1904.43,"end":1908.3651,"sentiment":"neutral","sentiment_score":0.18237729519605636},{"text":"If not, gold and silver investing in gold and silver physical gold and silver isn't as volatile as what the stock market is.","start":1908.3651,"end":1915.665,"sentiment":"neutral","sentiment_score":0.0483935198382191}],"sentiment":"neutral","sentiment_score":0.15841075440403074,"num_words":72,"start":1891.4551,"end":1915.665},{"sentences":[{"text":"Yep.","start":1967.865,"end":1968.365,"sentiment":"neutral","sentiment_score":0.09153106808662416},{"text":"Yeah.","start":1977.36,"end":1977.6,"sentiment":"neutral","sentiment_score":0.1465517431497574},{"text":"Sounds good.","start":1977.6,"end":1978.24,"sentiment":"neutral","sentiment_score":0.2484973818063736},{"text":"Look, I'm I'm fully aware with gold and silver that there are highs and lows and, like, you as I said, you can't pick them, so why would you just buy it?","start":1978.24,"end":1985.46,"sentiment":"neutral","sentiment_score":0.003095035150181502},{"text":"And my the the main reason is it's a very secured item that is it's not short term growth, but it will always be growing regardless of of it.","start":1987.76,"end":1998.465,"sentiment":"neutral","sentiment_score":0.13562017422297906}],"sentiment":"neutral","sentiment_score":0.07334005772494352,"num_words":65,"start":1967.865,"end":1998.465},{"sentences":[{"text":"So yeah.","start":1998.465,"end":1999.345,"sentiment":"neutral","sentiment_score":0.23098641633987427},{"text":"If I can invest into it and I has good return, it's probably worth doing.","start":1999.345,"end":2003.9249,"sentiment":"positive","sentiment_score":0.5014073272546132},{"text":"So so I'll leave it a little up to you and there it goes.","start":2004.48,"end":2012.1,"sentiment":"neutral","sentiment_score":0.31471801389540943},{"text":"Yep.","start":2019.855,"end":2020.255,"sentiment":"neutral","sentiment_score":0.20640093088150024},{"text":"Bye bye.","start":2020.255,"end":2020.995,"sentiment":"neutral","sentiment_score":0.25195907056331635}],"sentiment":"positive","sentiment_score":0.3852780590600827,"num_words":34,"start":1998.465,"end":2020.995},{"sentences":[{"text":"Sounds good.","start":2031.135,"end":2032.0349,"sentiment":"positive","sentiment_score":0.40346837043762207},{"text":"Sounds good.","start":2034.7899,"end":2035.5299,"sentiment":"positive","sentiment_score":0.5183047652244568},{"text":"Thank you.","start":2038.47,"end":2039.2899,"sentiment":"neutral","sentiment_score":0.1406579203903675},{"text":"I think I'm happy with them at the moment.","start":2064.43,"end":2066.45,"sentiment":"neutral","sentiment_score":0.17036685264772838},{"text":"My my main concern with that is for is I as long as the price on the account is outperforming the outgoing from the insurances, I've got no issue with them.","start":2068.91,"end":2080.725,"sentiment":"neutral","sentiment_score":-0.0037866433436471608}],"sentiment":"neutral","sentiment_score":0.07697343135394318,"num_words":46,"start":2031.135,"end":2080.725},{"sentences":[{"text":"So but I think that covers the life insurance practically covers the mortgage plus more.","start":2082.225,"end":2087.845,"sentiment":"neutral","sentiment_score":0.06575935532649359},{"text":"Disability is pretty much is what it is.","start":2088.99,"end":2091.33,"sentiment":"neutral","sentiment_score":-0.01400395156815648},{"text":"And then the other one, yeah, wage loss.","start":2091.3901,"end":2094.35,"sentiment":"neutral","sentiment_score":-0.01888655312359333},{"text":"So it should cover because I think the wage the way is it the wage loss one?","start":2094.35,"end":2098.77,"sentiment":"neutral","sentiment_score":0.0010584824554183904},{"text":"What's the what is that?","start":2099.87,"end":2100.75,"sentiment":"neutral","sentiment_score":-0.02974793203175068}],"sentiment":"neutral","sentiment_score":0.011179638376354047,"num_words":53,"start":2082.225,"end":2100.75},{"sentences":[{"text":"Disability and then the so what's the third one?","start":2100.75,"end":2103.255,"sentiment":"neutral","sentiment_score":-0.02932979083723492},{"text":"Insurance disability.","start":2103.4148,"end":2104.2349,"sentiment":"neutral","sentiment_score":-0.02237195149064064},{"text":"Yeah.","start":2105.1748,"end":2105.4949,"sentiment":"neutral","sentiment_score":-0.0014545777812600136},{"text":"Income protection, which what was that?","start":2105.4949,"end":2107.9148,"sentiment":"neutral","sentiment_score":-0.011453208203117052},{"text":"Well, is it fortnightly or weekly?","start":2108.055,"end":2109.9148,"sentiment":"neutral","sentiment_score":-0.011242209312816462}],"sentiment":"neutral","sentiment_score":-0.018597462641385693,"num_words":24,"start":2100.75,"end":2109.9148},{"sentences":[{"text":"Yep.","start":2115.75,"end":2116.25,"sentiment":"neutral","sentiment_score":-0.016986817121505737},{"text":"Yep.","start":2130.665,"end":2131.165,"sentiment":"neutral","sentiment_score":0.025014307349920273},{"text":"Yep.","start":2138.345,"end":2138.845,"sentiment":"neutral","sentiment_score":0.02003791183233261},{"text":"What does that pay at monthly?","start":2140.025,"end":2141.4849,"sentiment":"neutral","sentiment_score":0.023238540937503178},{"text":"Oh, well, well, sorry.","start":2144.8499,"end":2145.65,"sentiment":"neutral","sentiment_score":0.021169736981391907}],"sentiment":"neutral","sentiment_score":0.019398122739333373,"num_words":13,"start":2115.75,"end":2145.65},{"sentences":[{"text":"What's the title?","start":2145.65,"end":2146.3699,"sentiment":"neutral","sentiment_score":0.0009382485101620356},{"text":"Do you know the title that I paid that?","start":2146.3699,"end":2149.99,"sentiment":"neutral","sentiment_score":-0.0026636268529627058},{"text":"5,900.","start":2156.21,"end":2157.8298,"sentiment":"neutral","sentiment_score":0.01491918694227934},{"text":"At full monthly, full plate.","start":2158.865,"end":2162.085,"sentiment":"neutral","sentiment_score":0.07231176123023034},{"text":"Yep.","start":2166.545,"end":2167.045,"sentiment":"neutral","sentiment_score":0.029485881328582764}],"sentiment":"neutral","sentiment_score":0.020252946225043974,"num_words":19,"start":2145.65,"end":2167.045},{"sentences":[{"text":"Yeah.","start":2173.27,"end":2173.51,"sentiment":"neutral","sentiment_score":0.01410229690372944},{"text":"They're about so it's up to 75%.","start":2173.51,"end":2176.39,"sentiment":"neutral","sentiment_score":0.013634202602718557},{"text":"And then you said it's five nine?","start":2176.39,"end":2183.8298,"sentiment":"neutral","sentiment_score":0.007814998938036817},{"text":"Yeah.","start":2183.8298,"end":2184.3298,"sentiment":"neutral","sentiment_score":0.016009531915187836},{"text":"Yeah.","start":2192.405,"end":2192.905,"sentiment":"neutral","sentiment_score":0.014048080891370772}],"sentiment":"neutral","sentiment_score":0.01142966591150445,"num_words":17,"start":2173.27,"end":2192.905},{"sentences":[{"text":"Got it.","start":2198.2449,"end":2199.145,"sentiment":"neutral","sentiment_score":-0.014846453908830881},{"text":"No.","start":2210.1199,"end":2210.3599,"sentiment":"neutral","sentiment_score":-0.03947785496711731},{"text":"That's yeah.","start":2210.3599,"end":2213.18,"sentiment":"neutral","sentiment_score":-0.051694003865122795},{"text":"No.","start":2219.165,"end":2219.3252,"sentiment":"neutral","sentiment_score":-0.031985774636268616},{"text":"That's fine.","start":2219.3252,"end":2219.965,"sentiment":"neutral","sentiment_score":0.0036708926782011986}],"sentiment":"neutral","sentiment_score":-0.02465034497436136,"num_words":8,"start":2198.2449,"end":2219.965},{"sentences":[{"text":"That covers that covers the mortgage.","start":2219.965,"end":2223.425,"sentiment":"neutral","sentiment_score":0.014936742062369982},{"text":"I got a I got a 3,800 a week for the mortgage at $2.06 $5.02.","start":2226.0452,"end":2234.76,"sentiment":"neutral","sentiment_score":0.14604068050781885},{"text":"Yep.","start":2235.38,"end":2235.88,"sentiment":"neutral","sentiment_score":0.09829255193471909},{"text":"No.","start":2247.805,"end":2248.125,"sentiment":"neutral","sentiment_score":-0.1265430897474289},{"text":"I honestly, I don't I don't think I ever need it.","start":2248.125,"end":2254.625,"sentiment":"neutral","sentiment_score":-0.28340416062961926}],"sentiment":"neutral","sentiment_score":-0.02545487190432408,"num_words":34,"start":2219.965,"end":2254.625},{"sentences":[{"text":"I I I don't think but it's obviously obviously that yeah.","start":2258.205,"end":2263.01,"sentiment":"neutral","sentiment_score":-0.009487702172588219},{"text":"I I don't I don't I don't think that would worry me in the way of trauma.","start":2263.01,"end":2274.79,"sentiment":"neutral","sentiment_score":-0.23364629695082412},{"text":"It takes something pretty shocking to probably do that part.","start":2275.17,"end":2278.905,"sentiment":"neutral","sentiment_score":-0.2987354338169098},{"text":"Because that's fine.","start":2278.905,"end":2279.885,"sentiment":"neutral","sentiment_score":0.036350409189860024},{"text":"Usually, it's from having dealt with certain things or something happened, I suppose, but I yeah.","start":2279.945,"end":2286.665,"sentiment":"neutral","sentiment_score":-0.08996215369552374}],"sentiment":"neutral","sentiment_score":-0.14726402354018206,"num_words":57,"start":2258.205,"end":2286.665},{"sentences":[{"text":"I've never heard of it until you mentioned it, to be honest.","start":2286.665,"end":2289.245,"sentiment":"neutral","sentiment_score":-0.07515734992921352},{"text":"Yeah.","start":2304.3599,"end":2304.8599,"sentiment":"neutral","sentiment_score":-0.04282715171575546},{"text":"No.","start":2333.8298,"end":2334.3298,"sentiment":"neutral","sentiment_score":-0.031477198004722595},{"text":"Probably be fine.","start":2334.39,"end":2335.43,"sentiment":"neutral","sentiment_score":-0.039525638024012245},{"text":"I haven't heard of travel insurance till today.","start":2335.43,"end":2337.6099,"sentiment":"neutral","sentiment_score":-0.11211911775171757}],"sentiment":"neutral","sentiment_score":-0.0796688961982727,"num_words":25,"start":2286.665,"end":2337.6099},{"sentences":[{"text":"Yep.","start":2353.73,"end":2354.23,"sentiment":"neutral","sentiment_score":0.03892109543085098},{"text":"Yep.","start":2371.095,"end":2371.595,"sentiment":"neutral","sentiment_score":0.13131777942180634},{"text":"Yeah.","start":2393.675,"end":2394.175,"sentiment":"neutral","sentiment_score":0.00842331163585186},{"text":"I filled out forms, like, two years ago.","start":2394.235,"end":2396.155,"sentiment":"neutral","sentiment_score":-0.0036694516893476248},{"text":"I started my desk to mail a bit and never mailed them in.","start":2396.155,"end":2399.2952,"sentiment":"neutral","sentiment_score":-0.038768982084897846}],"sentiment":"neutral","sentiment_score":-0.01477875808874766,"num_words":24,"start":2353.73,"end":2399.2952},{"sentences":[{"text":"I've got him sign a witness.","start":2408.45,"end":2409.91,"sentiment":"neutral","sentiment_score":0.05432507830361525},{"text":"Can I send him in for two years?","start":2410.3699,"end":2412.15,"sentiment":"neutral","sentiment_score":0.008227487443946302},{"text":"I totally forgot.","start":2412.93,"end":2413.81,"sentiment":"neutral","sentiment_score":-0.16626980900764465},{"text":"I found him the other day.","start":2413.81,"end":2415.11,"sentiment":"neutral","sentiment_score":-0.13361960897843042},{"text":"I think I think Samantha's spending me some more.","start":2419.045,"end":2422.0251,"sentiment":"neutral","sentiment_score":-0.25260930094454026}],"sentiment":"neutral","sentiment_score":-0.0994450131256599,"num_words":32,"start":2408.45,"end":2422.0251},{"sentences":[{"text":"No.","start":2427.605,"end":2428.105,"sentiment":"neutral","sentiment_score":0.025963149964809418},{"text":"I can fill it all out.","start":2428.165,"end":2429.365,"sentiment":"neutral","sentiment_score":0.10477196549375851},{"text":"That's fine.","start":2429.365,"end":2430.185,"sentiment":"neutral","sentiment_score":0.27661046385765076},{"text":"No.","start":2430.645,"end":2430.885,"sentiment":"neutral","sentiment_score":-0.03888104856014252},{"text":"It's just like me being lazy.","start":2430.885,"end":2432.725,"sentiment":"neutral","sentiment_score":-0.2968986164778471}],"sentiment":"neutral","sentiment_score":-0.03827855479903519,"num_words":16,"start":2427.605,"end":2432.725},{"sentences":[{"text":"Don't you?","start":2432.725,"end":2433.125,"sentiment":"neutral","sentiment_score":-0.08302222564816475},{"text":"I'll get on to that and then just forget to hear about it.","start":2433.125,"end":2444.3298,"sentiment":"neutral","sentiment_score":-0.03741787689236494},{"text":"I don't know.","start":2454.625,"end":2455.105,"sentiment":"neutral","sentiment_score":-0.14293020963668823},{"text":"I cannot see if I have the kids and really upset Yeah.","start":2455.105,"end":2467.51,"sentiment":"negative","sentiment_score":-0.42836862554152805},{"text":"No.","start":2472.815,"end":2472.9749,"sentiment":"neutral","sentiment_score":-0.32493850588798523}],"sentiment":"neutral","sentiment_score":-0.2111815965223697,"num_words":31,"start":2432.725,"end":2472.9749},{"sentences":[{"text":"I don't.","start":2472.9749,"end":2473.4548,"sentiment":"negative","sentiment_score":-0.3522634208202362},{"text":"I've got I'd leave it over there anyway.","start":2473.4548,"end":2475.4548,"sentiment":"negative","sentiment_score":-0.33731047809123993},{"text":"Like, I'm terrible with money to deal with it.","start":2475.4548,"end":2477.875,"sentiment":"negative","sentiment_score":-0.5288568851020601},{"text":"I just wanna tell her I just wanna tell her what it's worth so that I don't end up with, like, mushroom poisoning or anything.","start":2479.6948,"end":2485.9548,"sentiment":"negative","sentiment_score":-0.3393126410245895},{"text":"No.","start":2491.75,"end":2491.91,"sentiment":"neutral","sentiment_score":-0.021361904218792915}],"sentiment":"negative","sentiment_score":-0.37037556804716587,"num_words":45,"start":2472.9749,"end":2491.91},{"sentences":[{"text":"She no.","start":2491.91,"end":2494.15,"sentiment":"neutral","sentiment_score":-0.08881656825542449},{"text":"She's there.","start":2494.15,"end":2494.79,"sentiment":"neutral","sentiment_score":-0.11010005325078964},{"text":"Yeah.","start":2494.79,"end":2495.03,"sentiment":"neutral","sentiment_score":-0.023292066529393196},{"text":"I think she knows about it.","start":2495.03,"end":2496.31,"sentiment":"neutral","sentiment_score":-0.06220240518450737},{"text":"She's aware I have to tell her.","start":2496.31,"end":2499.93,"sentiment":"neutral","sentiment_score":-0.10200597931231771}],"sentiment":"neutral","sentiment_score":-0.08379897754639387,"num_words":18,"start":2491.91,"end":2499.93},{"sentences":[{"text":"Oh, she's aware.","start":2532.8398,"end":2533.9,"sentiment":"neutral","sentiment_score":-0.03223936880628268},{"text":"Yeah.","start":2552.3499,"end":2552.75,"sentiment":"neutral","sentiment_score":-0.060109470039606094},{"text":"I so I am either way, I I have a financial adviser because I told her.","start":2552.75,"end":2558.21,"sentiment":"neutral","sentiment_score":-0.008008281292859465},{"text":"She thought you guys were a scam when I she totally thought it was a scam when I first was chatting to you guys.","start":2558.2698,"end":2563.605,"sentiment":"negative","sentiment_score":-0.36075641494244337},{"text":"And I was skeptical.","start":2564.565,"end":2565.765,"sentiment":"neutral","sentiment_score":-0.23919381946325302}],"sentiment":"neutral","sentiment_score":-0.20624769403366372,"num_words":48,"start":2532.8398,"end":2565.765},{"sentences":[{"text":"I was like, hey.","start":2565.765,"end":2566.425,"sentiment":"neutral","sentiment_score":-0.22414059191942215},{"text":"You're struggling, like, it's just still weird.","start":2567.205,"end":2569.205,"sentiment":"negative","sentiment_score":-0.36333813411848886},{"text":"It's just a cold call and then, yeah, the bloke sold it really well.","start":2569.205,"end":2572.405,"sentiment":"neutral","sentiment_score":-0.22624416383249418},{"text":"And then I got chatting and the returns have been phenomenal, and I've been happy since joining.","start":2572.405,"end":2577.045,"sentiment":"positive","sentiment_score":0.5657251652549294},{"text":"So 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this.","start":2639.6802,"end":2650.585,"sentiment":"neutral","sentiment_score":-0.025035374620485874}],"sentiment":"neutral","sentiment_score":0.017071939174186538,"num_words":37,"start":2592.105,"end":2650.585},{"sentences":[{"text":"So, you know, the big I think the big one, like, Steve Austin all at which they have the insurance and stuff like that.","start":2650.585,"end":2656.0452,"sentiment":"neutral","sentiment_score":-0.034880338314299784},{"text":"If something happens to them and they lose money or something that the insurance pays out, is HubSpotty four sort of covered in that way as well if they do have a massive financial issue?","start":2656.3298,"end":2666.1099,"sentiment":"neutral","sentiment_score":-0.2899617224931717},{"text":"Yeah.","start":2674.7852,"end":2674.865,"sentiment":"neutral","sentiment_score":0.08732492476701736},{"text":"Yeah.","start":2674.865,"end":2675.185,"sentiment":"neutral","sentiment_score":0.08460374176502228},{"text":"She wasn't she wasn't sure if she was, like, just questioning me about it.","start":2675.185,"end":2678.5452,"sentiment":"neutral","sentiment_score":-0.18407513626984187}],"sentiment":"neutral","sentiment_score":-0.178545488640666,"num_words":75,"start":2650.585,"end":2678.5452},{"sentences":[{"text":"And I'm like, why she don't know whether it is, but I would assume that it would be covered.","start":2678.5452,"end":2683.665,"sentiment":"neutral","sentiment_score":-0.11721570593746085},{"text":"So Yep.","start":2683.665,"end":2700.865,"sentiment":"neutral","sentiment_score":0.025223730131983757},{"text":"Yeah.","start":2729.435,"end":2729.935,"sentiment":"neutral","sentiment_score":0.027888309210538864},{"text":"And that's the same with Save us and all that.","start":2739.07,"end":2741.15,"sentiment":"neutral","sentiment_score":0.014786364138126373},{"text":"Isn't it?","start":2741.15,"end":2741.6301,"sentiment":"neutral","sentiment_score":-0.03007525485008955}],"sentiment":"neutral","sentiment_score":-0.060619103284004855,"num_words":34,"start":2678.5452,"end":2741.6301},{"sentences":[{"text":"If they were to have issues, it's just their funds are invested.","start":2741.6301,"end":2744.77,"sentiment":"neutral","sentiment_score":-0.05025299514333407},{"text":"So you're really relying on you're really relying on your funds to do well.","start":2744.99,"end":2750.43,"sentiment":"neutral","sentiment_score":0.0337704811245203},{"text":"And if one of the investors completely tanked, then you kinda lose that just the stock market, isn't it?","start":2750.43,"end":2757.125,"sentiment":"neutral","sentiment_score":-0.23575406090209358},{"text":"Yep.","start":2775.81,"end":2776.31,"sentiment":"neutral","sentiment_score":0.0625583827495575},{"text":"Yeah.","start":2806.3901,"end":2806.8901,"sentiment":"neutral","sentiment_score":0.07064391672611237}],"sentiment":"neutral","sentiment_score":-0.09524200135406027,"num_words":47,"start":2741.6301,"end":2806.8901},{"sentences":[{"text":"Yeah.","start":2807.985,"end":2808.225,"sentiment":"neutral","sentiment_score":0.07413658499717712},{"text":"So the the bigger ones like Feebas are the they're the more safe but lower growth options I've found.","start":2808.225,"end":2816.245,"sentiment":"neutral","sentiment_score":0.06749666619457696},{"text":"So I noticed that they tend tend to be the safer option, but their growth isn't as good as what like, the growth that I had on it versus the growth that I've had with HubSpot.","start":2817.3452,"end":2828.93,"sentiment":"neutral","sentiment_score":-0.03450626046914193},{"text":"Look, with you guys have been totally different.","start":2828.93,"end":2830.95,"sentiment":"neutral","sentiment_score":-0.0008934256620705128},{"text":"Yep.","start":2845.135,"end":2845.635,"sentiment":"neutral","sentiment_score":0.1524045467376709}],"sentiment":"neutral","sentiment_score":0.003993923188402103,"num_words":65,"start":2807.985,"end":2845.635},{"sentences":[{"text":"That's beautiful.","start":2846.015,"end":2846.755,"sentiment":"positive","sentiment_score":0.418809175491333},{"text":"Yeah.","start":2857.71,"end":2858.11,"sentiment":"neutral","sentiment_score":0.044240839779376984},{"text":"So the the main thing was sort of the golden silver side of it.","start":2858.11,"end":2860.99,"sentiment":"neutral","sentiment_score":0.17442753804581507},{"text":"The rest of it's questions that have come to mind as I've been chatting.","start":2860.99,"end":2864.565,"sentiment":"neutral","sentiment_score":0.09100716906998839},{"text":"And no.","start":2864.565,"end":2866.885,"sentiment":"neutral","sentiment_score":0.012250568717718124}],"sentiment":"neutral","sentiment_score":0.140074128115719,"num_words":33,"start":2846.015,"end":2866.885},{"sentences":[{"text":"But as I said, I'm happy to as long as obviously, like, if if one of the investments really does take a bit of a hit, is that you guys would obviously look at it as popping out or riding it out until if if you know it's not gonna be coming back, you obviously be popping out of it.","start":2866.885,"end":2885.8699,"sentiment":"neutral","sentiment_score":-0.04525457713752985},{"text":"But if you yeah.","start":2885.8699,"end":2888.0298,"sentiment":"neutral","sentiment_score":-0.004096691031008959},{"text":"As I said, like, we're leaving it with you guys.","start":2888.0298,"end":2890.3699,"sentiment":"neutral","sentiment_score":0.02344084456562996},{"text":"You know the market better than what I do.","start":2890.8298,"end":2893.01,"sentiment":"neutral","sentiment_score":0.02304713386628363},{"text":"Yep.","start":2928.815,"end":2929.315,"sentiment":"neutral","sentiment_score":0.15007510781288147}],"sentiment":"neutral","sentiment_score":-0.02547325754892968,"num_words":84,"start":2866.885,"end":2929.315},{"sentences":[{"text":"Sounds right.","start":2937.84,"end":2938.58,"sentiment":"neutral","sentiment_score":0.25893327593803406},{"text":"Beautiful.","start":2940.24,"end":2940.74,"sentiment":"positive","sentiment_score":0.6516538858413696},{"text":"I think it'll be palatable.","start":2943.28,"end":2947.22,"sentiment":"neutral","sentiment_score":0.2774702250957489},{"text":"Yeah.","start":2951.2751,"end":2951.5151,"sentiment":"neutral","sentiment_score":0.2258167862892151},{"text":"Well, have a lovely weekend.","start":2951.5151,"end":2953.215,"sentiment":"positive","sentiment_score":0.4818418025970459}],"sentiment":"positive","sentiment_score":0.37084981160504477,"num_words":14,"start":2937.84,"end":2953.215},{"sentences":[{"text":"Hope that the weather's less out there.","start":2953.595,"end":2955.435,"sentiment":"neutral","sentiment_score":0.06033109634050301},{"text":"I think you don't you think you get a bit of rain, are you?","start":2955.435,"end":2958.095,"sentiment":"neutral","sentiment_score":-0.014323013435517038},{"text":"They're tropical.","start":2964.0598,"end":2964.88,"sentiment":"neutral","sentiment_score":-0.015019246377050877},{"text":"It's true that I was up to nearly last year in August, and it was just too late.","start":2967.74,"end":2973.1199,"sentiment":"neutral","sentiment_score":0.05734854853815503},{"text":"Lovely weather.","start":2973.5,"end":2974.48,"sentiment":"positive","sentiment_score":0.6234330534934998}],"sentiment":"neutral","sentiment_score":0.05746272033037141,"num_words":43,"start":2953.595,"end":2974.48},{"sentences":[{"text":"Yeah.","start":2980.915,"end":2981.415,"sentiment":"neutral","sentiment_score":0.18564319610595703},{"text":"It's a quaint light.","start":2982.835,"end":2983.895,"sentiment":"neutral","sentiment_score":0.09180505387485027},{"text":"Yep.","start":2991.71,"end":2992.21,"sentiment":"neutral","sentiment_score":0.15020820498466492},{"text":"Yep.","start":2996.91,"end":2997.23,"sentiment":"neutral","sentiment_score":0.2149457037448883},{"text":"No problem.","start":2997.23,"end":2997.8699,"sentiment":"positive","sentiment_score":0.4532112032175064}],"sentiment":"neutral","sentiment_score":0.20271552519665825,"num_words":9,"start":2980.915,"end":2997.8699},{"sentences":[{"text":"Thank you.","start":2997.8699,"end":2998.6099,"sentiment":"positive","sentiment_score":0.717802494764328},{"text":"I will.","start":3001.589,"end":3002.329,"sentiment":"neutral","sentiment_score":0.3222793787717819},{"text":"Will, Dave.","start":3002.549,"end":3003.3691,"sentiment":"neutral","sentiment_score":0.2458953931927681},{"text":"Thanks.","start":3003.749,"end":3004.069,"sentiment":"positive","sentiment_score":0.565895676612854},{"text":"Bye.","start":3004.069,"end":3004.569,"sentiment":"neutral","sentiment_score":0.2957914471626282}],"sentiment":"positive","sentiment_score":0.4292052071541548,"num_words":8,"start":2997.8699,"end":3004.569}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ray speaking.\n\nChannel 0: Hi, Reese. It's Dana from Oku Financial. How are you this afternoon?\n\nChannel 1: I'm good. And yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in today to have a bit of a catch up. You were lot wanting to look at having a bit more maybe silver and gold in your portfolio.\n\nIs that right?\n\nChannel 1: Yeah. It was I think yeah. Definitely. I was more interested in the silver and the gold side of things. That's physical\n\nChannel 0: Yep.\n\nChannel 1: silver and gold. Yeah.\n\nChannel 0: Yeah. Absolutely. Sure is. Yeah. Is now still a good time for a bit of a cashier to have a chat about it?\n\nChannel 1: That's fine. I have plenty of\n\nChannel 0: Yeah.\n\nChannel 1: time.\n\nChannel 0: Fantastic.\n\nChannel 1: Aaron.\n\nChannel 0: Oh, Reese, before we jump sorry. You're alright.\n\nChannel 1: So I've got an Aaron for thirty minutes. I'm sorry. He's took the best\n\nChannel 0: Oh, wow.\n\nChannel 1: time\n\nChannel 0: Absolutely.\n\nChannel 1: to\n\nChannel 0: No.\n\nChannel 1: talk\n\nChannel 0: Before we jump into the\n\nChannel 1: to\n\nChannel 0: call, just to let you know we do record\n\nChannel 1: me.\n\nChannel 0: our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And just to do security there with you, just to confirm your full name, date of birth, and address I should have on file?\n\nChannel 1: Alright, Sarah. It's the 9th to twelfth on in Antioch. It should be 7 Saint Mary Drive. It's okay.\n\nChannel 0: Beautiful. Thank you so much for that. So having a look at things, I've got your portfolio here in front of me. I know you did speak to Samantha about your annual review, and you mentioned you wanted to increase having a bit of physical gold and a bit of silver in there. With regard to your portfolio at the moment, you do have a bit of physical gold.\n\nYou do have about 17% there. Are you just wanting to sort of look at maybe keeping the same amount of gold and adding a bit of silver in there and seeing what it can do for your portfolio, or you're kind of wanting to try and\n\nChannel 1: Oh, it's just interesting because over the last couple of years, gold and silver have both gone up quite rapidly. Physical gold\n\nChannel 0: Mhmm.\n\nChannel 1: and silver have gone up quite rapidly. And\n\nChannel 0: Yeah.\n\nChannel 1: it was something where if it drops in price, it doesn't drop by a lot, and it's a currency that is physical essentially. Like, it's everywhere in the world. So because that's essentially buying bullion, isn't it?\n\nChannel 0: Yes. So with the investments that we invest in with regards to gold and silver there, you are essentially buying into, like, we have what was it? Global x Physical Gold. So they hold gold gold bullion, and that is\n\nChannel 1: Yeah.\n\nChannel 0: stored in, like, the essentially a bank within The U UK. Sorry. So you are buying into an investment that actually holds gold and silver as a physical item.\n\nChannel 1: Yep.\n\nChannel 0: In saying that gold and silver are both technically growth investments, so you are taking a bit more risk by having those. They do tend to get a lot of growth than they have done over the past. In saying that gold did in February drop about between 11 to 18% in one day as well. So while it has seen those good growth times, it can drop very heavily in the shorter periods of time. There's no income production out of them as well, so they're solely a growth asset.\n\nThey don't sort of give any income that can be recompounded there. So there is definitely a place in the portfolio for both of those assets. They can work defensively at certain times as well where we're sort of seeing at the moment and have seen in the past by with markets going up and down when equities aren't, you know, performing as well or having a bit of a hard time, people tend to move money into those sorts of resources as a bit of a safe haven. So they both can work quite defensively in that nature as well. But if you wanted to, I could look at maybe structuring the portfolio, looking at you know, keeping your weighting about right, but maybe adding a bit of silver in there for you to see if we can, you know, what it might look like and how it might help you.\n\nSo are you open to me just sort of looking at the options and maybe making a recommendation then?\n\nChannel 1: Yeah. It wouldn't hurt. The reason I say\n\nChannel 0: Yep.\n\nChannel 1: silver is because silver is because the way that the world's going with info, everything's becoming data. Silver's required in a lot of it. So the value\n\nChannel 0: Yeah.\n\nChannel 1: of silver has gone up. I have noticed that it has gone up quite a bit. It's not ridiculously\n\nChannel 0: Yeah.\n\nChannel 1: pricey, but it has gone up from you know, you had a $10.20 dollar growth over a year. It's pretty good for something that's silver. I think it's actually had a bit more, but because I do watch I watch I have got trending on gold and silver prices. That's why I'm gonna look at buying it outside myself as well as the physical buying physical gold, like my own bullion that\n\nChannel 0: Yep.\n\nChannel 1: I'll store as well. But so you don't have anywhere in Australia that you buy it through, you invested in, or is that not\n\nChannel 0: No.\n\nChannel 1: really a\n\nChannel 0: So\n\nChannel 1: thing?\n\nChannel 0: we're within your sofa, we can only purchase, like, into ETFs,\n\nChannel 1: Yeah.\n\nChannel 0: but I can have a look at a few options and maybe send you an email for purchasing it, like, out by the super and how you would have to do that.\n\nChannel 1: I as far as I'm away, just walking and buy it.\n\nChannel 0: Yeah. Yeah. You'd\n\nChannel 1: It. Because\n\nChannel 0: need to make\n\nChannel 1: I\n\nChannel 0: sure\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: was\n\nChannel 0: storing it correctly as well. So making sure it's stored securely.\n\nChannel 1: yeah. Well, that's the thing. The place I have looked at buying physical is you buy storage there as well.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: you buy\n\nChannel 0: Perfect.\n\nChannel 1: through them\n\nChannel 0: So\n\nChannel 1: and they\n\nChannel 0: I'll store\n\nChannel 1: store it\n\nChannel 0: it.\n\nChannel 1: all. Because I was I was thinking about whether I would, like, take out super to buy gold myself with because of the light sort of been trending. But I yeah. I'm not I'm always hesitant to do that kind of stuff because super sort\n\nChannel 0: Mhmm.\n\nChannel 1: of that's your retirement fund. But\n\nChannel 0: Correct. Yeah. And you\n\nChannel 1: we\n\nChannel 0: can't actually withdraw money from super to be able to purchase investments like that in your own name until you kinda hit that preservation agent turn 60 and stop and retire permanently. The only other way you'd be able to do that is to set up a self managed super fund. But in that\n\nChannel 1: Yeah.\n\nChannel 0: way, you need to make sure it's an arm's length transaction to have it, you know, follow the directions that you are still in the super system. It's just that it's a more costly way of being able to buy it. So\n\nChannel 1: Yeah. That's\n\nChannel 0: that\n\nChannel 1: what\n\nChannel 0: makes\n\nChannel 1: I was\n\nChannel 0: different\n\nChannel 1: unsure\n\nChannel 0: funds a lot\n\nChannel 1: about.\n\nChannel 0: more\n\nChannel 1: So\n\nChannel 0: risky. Yeah.\n\nChannel 1: I've seen a lot of people do self manage, and, recently, a lot of self managed ones took quite a hit with the way the economy is going.\n\nChannel 0: Yes. Yeah. Correct. And they're a\n\nChannel 1: So\n\nChannel 0: lot more expensive as well, and you take a little bit more risk in regards that. So with the way your super structured at the moment, in hub twenty four, hub twenty four are the trustee. They look after majority of things, and they do the tax returns and things like that for you, have the orders complete completed on your super\n\nChannel 1: Yes.\n\nChannel 0: fund. Whereas if you're under a super fund, you become the trustee in whatever structure you choose to open it in, which means that you're ultimately responsible for following the rules, making sure your tax returns are done, getting the fund audited on a regular basis. It's a lot more work and a lot more costly. So having purchasing a bit of gold or silver in your own name is absolutely fine. Just maybe finding the funds elsewhere to do that.\n\nBut, yeah, like, within WindSuper, I'm happy to maybe add a little bit silver in there. I am looking at your other investment here, the Bannalong Australian Equities. I know when you spoke to Samantha, she kinda did your annual review and ran you through what was happening there. Bannalong, your Australian equity portion is down pretty heavily at the moment. And as a business, we have kind of reviewed that investment option and have\n\nChannel 1: Yeah.\n\nChannel 0: decided to remove that out of the portfolio. So if you like, I could go back, maybe readjust the portfolio, look at adding a bit of physical silver in there for you. I can look at whether holding the right same amount of gold is gonna be suitable. I'd rather not try to sort of sell that if we don't have to.\n\nChannel 1: Yep.\n\nChannel 0: And then we can look at maybe replacing the Ben along Australian equities as well and maybe utilizing the loss that it has been to offset any gains or change in the investment structure. Does that sound like something you're looking to me doing?\n\nChannel 1: Yeah. Whatever makes it great.\n\nChannel 0: Yep.\n\nChannel 1: I'm happy to lose the ones that aren't performing.\n\nChannel 0: Yeah. Yeah. Well, that's definitely why we wanna sort of move that. Unfortunately, in the last few months, one of the underlyings within Bennelong hasn't been performing correctly or doing as well. Unfortunately, Bennelong haven't also taken the steps to reevaluate their underlying investments very much.\n\nSo as an actively managed fund, it's not very actively managed and has unfortunately been underperforming. So we do wanna take the steps to remove that out of everyone's portfolio and put something in its place that hasn't underperformed the way it has. We are sort of removing the active managed funds and looking at something more passively managed, a bit more low cost in your super as well because reducing fees is always a big part of it.\n\nChannel 1: Yeah.\n\nChannel 0: But if you like, I can go back. I can look at the removing banner long, look at what to put in this place, make sure that the performance has been there to kinda show what it can do moving forward for you, add a bit of silver in there for you and sort of keep maybe look at doing a rebalance on your super as well to make sure you are invested in line with things correctly.\n\nChannel 1: Yeah. That's fine. As As long as, like, you guys obviously well, you do this for a living, so you're gonna know more about it than what I will.\n\nChannel 0: Absolutely.\n\nChannel 1: If you can\n\nChannel 0: Just wanna make you're right. I just wanna\n\nChannel 1: yeah.\n\nChannel 0: make sure that you are kind of also invested there correctly. So you do have a good amount of gold in there at the moment. So I can look at whether keeping some of that in there and retaining that level. There is a limit on how much of physical gold and silver because they are technically alternative assets. So Hub 24 does have a maximum limit that you can have in there.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time. And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board. Does that sound okay with you?\n\nChannel 1: Yeah. I can't say why not.\n\nChannel 0: Yep. That's\n\nChannel 1: As I said,\n\nChannel 0: okay.\n\nChannel 1: you guys know what you're doing. I'm just gonna look at it\n\nChannel 0: Yeah.\n\nChannel 1: and go, okay. But as long as it's performing. If it's not performing, then I'm gonna be questioning things.\n\nChannel 0: Yeah. Of course. Understandable. And that's the other thing I sorta wanted to look at with you is because we know investment markets are gonna go up and down. There's not gonna be you know, there are gonna be points where maybe some of the investments aren't performing, and it's not because of the investment itself.\n\nIt's more because of the market as a whole. And, like, if your\n\nChannel 1: Yeah.\n\nChannel 0: superhero isn't performing, it's gonna be because the market as a whole isn't performing correctly, and that's gonna be something outside of our control. So it's about making sure you're invested throughout those downtimes that you're able to go through those points where the market might not be working very well, where investors are drawing large sums of money out, so you're seeing a downtime. Taking advantage of those downtimes as well, allowing your contributions to keep going in so that you're buying into those discounted rates. They always say buy low, sell high. Well, when the markets are down, that's your chance to buy in low.\n\nSo keeping your contributions going into those downtimes, you buy into the investments at the discounted rate. And as the market comes out, as your portfolio recovers from those downtimes, you actually make a lot more in the way of gains because you you've lowered your buy in price to those investments, and you can actually get greater growth by doing that. So what I probably wanna have a look at doing is just sort of checking to make sure you are invested in the right portfolio as well. I'm just having a look to see what investment portfolio you're in at the moment. Sorry.\n\nWon't be one second. My computer's a little bit slow again this afternoon.\n\nChannel 1: Probably Tuesday. It shouldn't be having any issues at all.\n\nChannel 0: I work it hard. I tell you what. Technology can be fun when it wants\n\nChannel 1: It's right in the\n\nChannel 0: to work. I'm just gonna have a look here at your last advice document. It looks like we haven't kinda made any changes since that one was provided.\n\nChannel 1: nice.\n\nChannel 0: So that was back in 2023 there.\n\nChannel 1: Yeah. It's been giving a pretty good return. Anything above 7% is pretty good annually.\n\nChannel 0: Yeah. Yeah. No. It absolutely has. You've done really well.\n\nWe just wanna make sure it kinda keeps working really well. And with what's happening at the moment, there is an expectation of volatility, so\n\nChannel 1: Yeah.\n\nChannel 0: we are\n\nChannel 1: Yeah.\n\nChannel 0: gonna\n\nChannel 1: I always\n\nChannel 0: see those ups and downs. Yeah.\n\nChannel 1: all the shit going on around the the crazy world at the moment, but markets are all\n\nChannel 0: Yeah.\n\nChannel 1: over the shop. I got my\n\nChannel 0: Yeah.\n\nChannel 1: that are investors, and they they took a hit with some things because of what America did and then other things to the market, and then, obviously, the way the economy is going, everything affects it some way or another.\n\nChannel 0: Yes. Absolutely. Most definitely. And one of the biggest things to remember is when it comes to investments, the biggest effect the biggest factor affecting it is human emotion. So when you're seeing lots of people pulling money out and drawing, it's because they've heard something that's making them feel emotional about what's gonna happen, and they're technically causing the downtime.\n\nThey're starting to sell out or to jump out of a certain investment, which is then the on flow effect. Other people see it dropping, and they wanna move money as well. So that's essentially, human emotion is the biggest factor to rely on when we are looking at investment markets and the way they go. The biggest thing we can do, and it's the hardest thing, is to remove that emotion and remember that what you're invested in has been around for a long time. It has seen those ups and downs, and we'll continue to withstand those ups and downs as long as you're comfortable with staying through those down times and not selling emotionally.\n\nAnd that can be the hardest thing is removing that emotion and thinking logically about the investments and what you're invested in. But if you can do that, you can benefit greatly from from the ups and the downtime.\n\nChannel 1: That's true. Because I have\n\nChannel 0: Yeah.\n\nChannel 1: I have at one point, I was I'm was on the process of getting into investing myself personally.\n\nChannel 0: Mhmm.\n\nChannel 1: But I rather than invest straight away, I actually just selected a handful of ETFs to follow and just monitored them for probably about six months to see whether I actually wanted to or not.\n\nChannel 0: Yep.\n\nChannel 1: See how they performed, how they did. There's a couple that have been around for years, and there's a couple that are sort of starting up. And it was interesting to see look. The growth wasn't great on them, but that's you know, six months growth isn't really gonna be crazy. But you could say that there'd be a day where it's in the positive and then the day in the negative and just back and forth.\n\nAnd it's just a good to see the market works that way. But and, like, I still haven't really invested in anything, but it's on the process.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: just like watching\n\nChannel 0: No.\n\nChannel 1: them\n\nChannel 0: That's\n\nChannel 1: together.\n\nChannel 0: okay. Well, you've done well with you. And watching it can be one of the biggest emotional things. I've got, you know, friends and and clients who look at things on a regular basis, and they get really nervous when they see things dropping or going down, and it can be quite nerve wracking. So the best thing is to not look at it every day.\n\nMaybe look at it once every couple of weeks or every couple of months and just kind of be comfortable with what you're investing in. But, also, just not investing anything that has that's too risky, too speculative, that hasn't been around for a long time and got a track record as well, if that makes sense.\n\nChannel 1: Yeah. That's what I noticed. We'd like oh, you got your the EFS, I was mostly looking at a fairly safe so the BlackRock and there's another one in that company, the other company. And that BlackRock's been there for years.\n\nChannel 0: Yep.\n\nChannel 1: So it's, like, it's pretty\n\nChannel 0: Absolutely.\n\nChannel 1: solid investment.\n\nChannel 0: Yeah.\n\nChannel 1: So but\n\nChannel 0: Absolutely.\n\nChannel 1: it is it's not because Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I do actually, I do look at my statements as well just to see how how the shares are tracking and how my super is going, but well\n\nChannel 0: Yeah.\n\nChannel 1: aware that, you know, it has highs and lows. And you might turn it on one day and it's down, and the next week, you look at it and it's up. So\n\nChannel 0: Can\n\nChannel 1: that's\n\nChannel 0: be a\n\nChannel 1: just\n\nChannel 0: bit of\n\nChannel 1: how\n\nChannel 0: an emotional\n\nChannel 1: I\n\nChannel 0: roller coaster at times.\n\nChannel 1: as long as when I retire, the money's out. I don't give a shit how I get there.\n\nChannel 0: Yeah. No. That's completely understandable. That's all good. Well, I'll definitely work hard at trying to help you get to that point, making sure we do our reviews and catch ups and making sure that we\n\nChannel 1: Yep.\n\nChannel 0: give you those updates so you can be on track. Having a look at things now, you're 38 this year. Do you know what age I know I had here when you came on board originally, you were hoping to maybe access super at about age 67. Is that kinda still your goal, age, or do you think you'd wanna access it earlier at this point?\n\nChannel 1: Look. I don't know, to be honest. Like, I'm\n\nChannel 0: That's okay.\n\nChannel 1: retiring. I I look. I get crazy if I retired. I just have to work. So\n\nChannel 0: I hear you. I hear you. No. That's okay. That's not a problem, Adele.\n\nLook. At the moment, what I'd be doing is updating things on a regular basis anyway. So when we look at updating the advice, I I know Wendy came on board originally. The advice document will sort of show you what the expectation was right up into age 67, but because there are so many factors at place, so many things in your life that can change, and being as you are only 38 this year sorry. I'd be looking to update the advice and maybe look at the next ten years and just keep updating things to keep you on track along the way.\n\nI don't really like the idea of showing you, you know, the next thirty years of what the market reaction expectations might be like because there's too many variables that can change in that instance. So we'll start with something smaller. We'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track. Does that sound okay?\n\nChannel 1: Yeah. That sounds great. I have no issue with that.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. Thirty thirty years is too long. That's if you're gonna tell me what it is in thirty years, I'll be like, sure. When I get there and I see it, that's that'll be fine, but who knows\n\nChannel 0: Absolutely.\n\nChannel 1: what tomorrow will bring?\n\nChannel 0: Absolutely. Absolutely. No. Not a problem. I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time.\n\nChannel 1: So so I'm ringing I'm ringing around to see who's got a horse so I can start riding.\n\nChannel 0: Oh, dear. I actually said to my husband, I've got a our son's old scooter out in the backyard. He can learn the scooter to work.\n\nChannel 1: Yeah. I don't think I've got an electric scooter at home, but say next next week or two will tell us. The oil\n\nChannel 0: Yeah.\n\nChannel 1: that's one of the lowest home markets at the moment, the oil market.\n\nChannel 0: Absolutely. No. Definitely. The next thing I kinda wanna just just sorta gauge on for you is I know you sorta said you're not overly sorta stressed about things. You have a longer time horizon ahead of you.\n\nBut when you do sort of see your super balance fall due to, you know, external market factors, does it sort of worry you in any way? Are you feeling a bit concerned, or you're sort of not worried knowing that you do have a, you know, until 60 ahead of you before you're able to access sleep at this point?\n\nChannel 1: Look. Like anything, it is concerning to see investments drop, but\n\nChannel 0: Yeah.\n\nChannel 1: what do you do?\n\nChannel 0: Yeah.\n\nChannel 1: Like like well, at the end of the day, I know that, like, at least I'm not sitting in Seabass, which wasn't really going anywhere in that way apart from\n\nChannel 0: Mhmm.\n\nChannel 1: unless I put input. And then you guys are looking after it. So\n\nChannel 0: Yeah.\n\nChannel 1: having the knowledge of knowing that you guys will alter things if the market isn't\n\nChannel 0: Yeah.\n\nChannel 1: looking good or certain\n\nChannel 0: Yeah.\n\nChannel 1: investments aren't working probably means that I'm more comfortable knowing that if there's a drop in it that it will recover.\n\nChannel 0: Yep. Yep. Perfect. Perfect. Do you think when it comes to sort of market jobs, you'd be more inclined to sort of hold and wait, less inclined to make emotional decisions, and maybe more comfortable calling us?\n\nOr do you think you'd be looking at there's a buying opportunity and trying to put more money in? How do you think drops might sort of make you feel or start to react?\n\nChannel 1: Providing that they're gonna come back, it's hard how well I don't have the insight to tell without a doubt to sit there and go, well, that's dropped x amount, but it will rebound.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: But if it is willing if it is gonna rate like, if you say something and you're like, oh, it's dropped, but there's a big chance that this will bounce back, it's worth putting into, then that's on you guys to\n\nChannel 0: You\n\nChannel 1: really\n\nChannel 0: do\n\nChannel 1: do\n\nChannel 0: so? Yeah.\n\nChannel 1: more\n\nChannel 0: Yep.\n\nChannel 1: than me. Like,\n\nChannel 0: I,\n\nChannel 1: I I wouldn't be\n\nChannel 0: yeah,\n\nChannel 1: able to sit there and look at it and go, hey. I noticed this has dropped. Is it worth putting more into it? Whereas you guys would be like, oh, this has dropped. It\n\nChannel 0: yeah,\n\nChannel 1: will\n\nChannel 0: yeah,\n\nChannel 1: probably rebound. Let's buy.\n\nChannel 0: Yep. Yeah. Perfect. So you'd be looking for more guidance on how to react in those scenarios.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Definitely. Look.\n\nChannel 0: All\n\nChannel 1: I'm\n\nChannel 0: good.\n\nChannel 1: not\n\nChannel 0: And\n\nChannel 1: stressed\n\nChannel 0: have\n\nChannel 1: about\n\nChannel 0: you\n\nChannel 1: it.\n\nChannel 0: yeah. No. That's okay. That's perfect. It's a really good reaction.\n\nAnd the last one here is have you ever thought about taking a loan? Have you ever considered borrowing funds in order to invest in shares or managed funds, or do you think that's probably a bit too risky?\n\nChannel 1: That's that for me would be playing with Fire. And I think\n\nChannel 0: Yep.\n\nChannel 1: me playing with Fire is safer than that, to be honest with\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Yeah. Perfect. Do\n\nChannel 1: Alright.\n\nChannel 0: you\n\nChannel 1: Look.\n\nChannel 0: have any\n\nChannel 1: If if\n\nChannel 0: you're right. Sorry.\n\nChannel 1: if I if I'm if I was confident enough to know that because the problem is regardless of the loans, at some point, you're gonna have losses, and that's when you start stressing about repayments. And I don't have I know that I don't have the cash flow to look after, facilitate those loans,\n\nChannel 0: Yep.\n\nChannel 1: so I wouldn't do it. Even\n\nChannel 0: Yep.\n\nChannel 1: though the the reward could be greater in a year or two, it's not worth the risk currently in the stitch\n\nChannel 0: Yep.\n\nChannel 1: in the way the economy is\n\nChannel 0: Yeah.\n\nChannel 1: the way I look\n\nChannel 0: No.\n\nChannel 1: at it.\n\nChannel 0: That's that's a that's a good way to look at it. That's perfect. And do you have any goals to buy investment properties in the future, or are you happy just sort of trying to pay down your current mortgage as much as possible? What's your other goals moving forward?\n\nChannel 1: Probably paying the mortgage off is the main one. I couldn't\n\nChannel 0: Yeah.\n\nChannel 1: I'd like to buy investment properties, but it wouldn't be in Australia.\n\nChannel 0: Okay.\n\nChannel 1: Like well,\n\nChannel 0: Perfect.\n\nChannel 1: not Victoria anyway. It's ridiculous. You buy and you get taxed through the roof.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Mate, like, I look. I if it's a possibility and there's a good return from it, I'm sure.\n\nChannel 0: Mhmm.\n\nChannel 1: Some people do it with their super and they do really well on it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on it.\n\nChannel 0: Yeah. Yeah. Perfect. No. Excellent.\n\nWell, I've just sort of done the risk profile questionnaire with you to kinda gauge where your risk level is sitting, where your tolerance is, and what sort of portfolio you should be in. Essentially, having a look at that, you actually have scored there as a growth investor, and you are in kind of that growth environment at the moment. So you generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed properties, and commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest there. The growth environment suits someone who has at least six years to be invested. They're not wanting to access their money for about six years at a minimum.\n\nYou're averaging or trying to get the expected average returns of about seven to 9% on a yearly basis compounding. And with this sort of portfolio, the likelihood of a negative return is expected sort of one in every five years. Do you feel like this sort of environment sort of suits you realistically from everything you've told me? The growth portfolio still suits your risk capacity quite comfortably, but are you comfortable remaining in that sort of portfolio?\n\nChannel 1: Yeah. I think it's it's doing really I say it's doing alright for what it is.\n\nChannel 0: Yeah.\n\nChannel 1: Like,\n\nChannel 0: Absolutely.\n\nChannel 1: as you said, like, it's gonna take a hit. Like, this year, we'll probably take a hit on it. Next year, you'll have growth, and that's just how the world works.\n\nChannel 0: Yeah. Yep. That's perfect.\n\nChannel 1: So, like, yeah, it's just market's fluctuate. I'm like, that's my understanding of it. And, you know, you gotta be in it to win it partially as well. So\n\nChannel 0: Abs absolutely. Well, I'm looking at the the portfolio you're in, and everything has been performing really well. So when I look at how all the individual investments have been performing, everything is up except for that ban along there. So as it is a business decision to kinda remove that it is underperforming, it's time to get that out of there. Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing.\n\nAnd I've had a really good look around at what we're sort of expecting. So one of the good ways to sort of understand and look at whether, you know, what we're expecting around about volatility is looking at the VIX index that kind of looks at the markets, how things are reacting, but sort of tracks and shows are we expecting, you know, over the next sort of thirty odd days or so, volatile times around of the S and P 500. Because most things follow suit in The US market. And that has sort of been over about 20% for the last sort of five to six days that I can see here, which kinda shows that we are expecting that volatility within the markets over the next month. The VIX index goes up pretty heavily on a regular basis, and it's it's gone up and been fluctuating pretty drastically.\n\nBut, generally, when the VIX index shows you less than 20%, it's sort of showing that the market's expected to be fairly stable, whereas anything over 20% is showing that it's expecting volatility within the market there. So this has been showing over the 20% for at least the last five to six days, and I kind of look at that every now, see what it is doing. So we do expect those volatile times to stay. But in saying that this growth portfolio suits where you're at, it suits your time horizon. We can take advantage of those downtimes.\n\nAnd whilst we wanna get rid of that along at the moment, we can look at rebalancing your portfolio. We can look at adding a bit of silver in there, and we can also just look at, you know, offsetting any capital gains within the fund by the fact that Bennelong is down a little bit there. So we can utilize that to our advantage. And if you're comfortable, I'll go back and do the research for you. I'll update the recommendations, adding a bills adding a bit of silver for you as per your preference.\n\nAnd then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you. How does that sound, Rhys?\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Perfect. All good. Is there any sort of changes? I know Samantha did a bit of a review there with you.\n\nOne of your goals moving forward was trying to reduce the mortgage as much as possible. You're hoping to reduce it by at least 50 k. Is there any kind of time horizon you're looking to try and reduce your mortgage by, or is it just trying to pay it down as quickly as possible?\n\nChannel 1: I doubt it. Whatever rate we can. I think there's a rate rise coming, which won't help, but\n\nChannel 0: I hope not. We've already have one.\n\nChannel 1: yeah. I think there's another one too just from what I've got from what I've read.\n\nChannel 0: Yeah. Yeah. I know. I've looked at what they're saying as well. The it's it's funny.\n\nIt's everything's very subjective. And when you sort of look and talk to the different economists, they sort of say different things. They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right. We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out there.\n\nChannel 1: Yeah. They have to do it. Unfortunately, just to try and combat everything. Well, let's\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: they're out.\n\nChannel 0: Yeah.\n\nChannel 1: There are other things that, unfortunately, with everything that's going on at the moment, I think there'll be one coming.\n\nChannel 0: Absolutely.\n\nChannel 1: But\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: do\n\nChannel 1: doesn't\n\nChannel 0: agree with you.\n\nChannel 1: that doesn't worry. I was talking about whether I'd lock into a fixed contract, but that's essentially, what you're locking to fix for your home loan is what the rate laws will go to anyway, so you don't really win out of it.\n\nChannel 0: Yeah. No. That's okay. That's not an issue. I sort of like the variable as much as the rate go up and down.\n\nHaving a variable contract allows you to pay extra under the mortgage. And if you are putting extra in there and utilizing your offset to the full advantage, the rate rises have less of an impact on your on your on your mortgage and your and your and your repayment. Sorry.\n\nChannel 1: Yeah. We noticed that when they went we were on 2% for ages and then that they jacked up to five during COVID because of the lockdown and all the shit that Victorian government basically crippled Australia with. And then we came off, and we're like, oh, we're panicking a little bit, and actually, I thought it was bad as what it's gonna be. Sorry.\n\nChannel 0: Yeah. Yeah. No. It's all good.\n\nChannel 1: No.\n\nChannel 0: Perfect. Well, I can go back and have a really good look, and I'll take the advice there for you. Just having a quick look, did you want me to book in a time now to maybe come back and have that presented? It'll take me probably about sort of two to three weeks to get everything sorted for you. Is there a day that sort of suits you best to kinda go through the updated advice document?\n\nChannel 1: Yeah. Anytime after 04:30, Monday to Friday.\n\nChannel 0: Yep. That's okay. What if we look at the April 1? So it's in about two weeks. And I can\n\nChannel 1: That's\n\nChannel 0: book it in\n\nChannel 1: the\n\nChannel 0: for sorry. You're right?\n\nChannel 1: is that is that the Easter weekend?\n\nChannel 0: That is it's the Wednesday before Easter.\n\nChannel 1: Before yeah. That will be fine.\n\nChannel 0: If not, I could do it the week after. I'm away for a\n\nChannel 1: No.\n\nChannel 0: week\n\nChannel 1: No.\n\nChannel 0: from the sixth to the tenth. That's all. So I could do it\n\nChannel 1: The\n\nChannel 0: the following\n\nChannel 1: I don't\n\nChannel 0: week,\n\nChannel 1: know. The\n\nChannel 0: which is the\n\nChannel 1: week before\n\nChannel 0: that's\n\nChannel 1: works\n\nChannel 0: okay?\n\nChannel 1: fine. The week before because\n\nChannel 0: Yeah.\n\nChannel 1: the week after Easter, I'm I'm at the hotel prior for a few days.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So if I do it maybe Wednesday, April 1, I'm just having a quick look at the time. So we are still on daylight savings time there for you at the moment because it lands on the April 5. So\n\nChannel 1: That'd\n\nChannel 0: I\n\nChannel 1: be\n\nChannel 0: could\n\nChannel 1: three\n\nChannel 0: do the\n\nChannel 1: thirty\n\nChannel 0: same.\n\nChannel 1: or a turn on and 04:30 out.\n\nChannel 0: Yeah. Yeah. Does that work for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Works for me. Yeah. That's when I'm usually driving home, so it's best time\n\nChannel 0: Yep.\n\nChannel 1: to get ahold of me.\n\nChannel 0: Perfect. Not a problem at all. I'll pop that one in there for you, Rachel. I have a little text message\n\nChannel 1: Oh,\n\nChannel 0: reminder\n\nChannel 1: buddy.\n\nChannel 0: as well. I'll\n\nChannel 1: Yep.\n\nChannel 0: get cracking on that research there for you. I'll chat to you on the first one, use for the updated recommendations, and then you can let me know what you wanna do moving forward. Okay?\n\nChannel 1: Then I'm good. What's so just a quick question. But\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: What do you think it's the right thing to put money into silver, or is it not really worth it at the moment?\n\nChannel 0: No. Look. Honestly, there's we do not try to pick the highs and lows. I mean, if we sort of looked back at the last thirty odd years and we would have picked any one of these investments at any point in time, you could have said that was the highest point. But between thirty years ago to now, everything has gone up drastically even more.\n\nI mean, we're seeing huge, huge returns on gold and silver. So, realistically,\n\nChannel 1: Yes.\n\nChannel 0: as we are dollar cost averaging over time, there's never a bad opportunity to buy. It's sort of that getting in and continuously investing through the ups and downs to take advantage of those moments without trying to pick\n\nChannel 1: Yep.\n\nChannel 0: the market. If we tried to pick the highs and lows, I could guarantee you we would all miss. No one ever picks\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: That's\n\nChannel 0: correctly.\n\nChannel 1: that's\n\nChannel 0: Yeah. Sorry.\n\nChannel 1: because I I just know that those so those two, gold and silver in particular, aren't they're not a get rich quick investment. It's a\n\nChannel 0: Correct.\n\nChannel 1: 30 point is down the line\n\nChannel 0: Yep.\n\nChannel 1: investment.\n\nChannel 0: Yep.\n\nChannel 1: That's what it's like. Even if you even if I had I bought 50,000 gold today and I had thirty\n\nChannel 0: Mhmm.\n\nChannel 1: years on it, I'd have a good return on it. So that's what my my my thought process is like. If not, gold and silver investing in gold and silver physical gold and silver isn't as volatile as what the stock market is.\n\nChannel 0: Yeah. Correct. Correct. And having those in your portfolio, I mean, they do see the ups and downs not as not often as drastically as what your other equities do, but they also can act defensively at certain times as well. So you've got kind of by having them there an asset that's gonna give you growth over longer term, but it also can act defensively at times where equities are also performing unwell.\n\nSo it's it's kind of a good alternative asset to have in there. Both of them work really well. And if you look at how gold and silver has grown over the last thirty years there, You know, we do expect over the next sort of thirty years for it to still be there, to still keep growing. And yeah. Look.\n\nI'll be honest. I never try to pick the highs and lows. I'd rather just pick a time, put the money into the market, and then continuously dollar cost averaging to continue my buy ins. That way, you're averaging\n\nChannel 1: Yep.\n\nChannel 0: out the buy price. You're averaging out your returns, and you're averaging out the risk a little bit as well and taking advantage of whatever the markets throw at you.\n\nChannel 1: Yeah. Sounds good. Look, I'm I'm fully\n\nChannel 0: Yep.\n\nChannel 1: aware with gold and silver that there are highs and lows and, like, you as I said,\n\nChannel 0: Yeah.\n\nChannel 1: you can't pick them, so why would you just buy it?\n\nChannel 0: Exactly. Exactly.\n\nChannel 1: And my the the main reason is it's a very secured item that is it's not short term growth, but it will always be growing regardless\n\nChannel 0: Yes.\n\nChannel 1: of of it. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. If\n\nChannel 0: Absolutely.\n\nChannel 1: I can invest into it and I has good return, it's probably worth doing.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: I like it.\n\nChannel 1: so\n\nChannel 0: Lovely.\n\nChannel 1: I'll\n\nChannel 0: All good.\n\nChannel 1: leave it a little up to you and\n\nChannel 0: Yeah.\n\nChannel 1: there\n\nChannel 0: Perfect.\n\nChannel 1: it goes.\n\nChannel 0: Not a problem at all. Well, I'll get cracking on the research there for you. I've booked you in for the first 03:30 Queensland time, 04:30 your time,\n\nChannel 1: Yep.\n\nChannel 0: so I\n\nChannel 1: Bye\n\nChannel 0: can go\n\nChannel 1: bye.\n\nChannel 0: through the advice with you. I know you'll be driving the time, so don't stress. I'll be able to run through those recommendations and send you the document so you can have a read of it, after the call, and then you can let us know whether you're happy\n\nChannel 1: Sounds\n\nChannel 0: to take\n\nChannel 1: good.\n\nChannel 0: on those recommendations or not. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: Easy. Thank you so much for your time. If there are any\n\nChannel 1: Thank\n\nChannel 0: additional\n\nChannel 1: you.\n\nChannel 0: questions, please let me know. The only other thing I probably will also just wanted to double check with you just for the insurance side of things. I know with your annual review, that's Samantha would have gone through. Just so I had a bit of a chat about the level of insurances you do have there with your life, your TPD, and your income protection cover. Are you happy with the amounts you have?\n\nDid you wanna kinda look at reviewing those at all, or you're still happy to keep them at the same\n\nChannel 1: I think I'm\n\nChannel 0: level?\n\nChannel 1: happy with them at the moment.\n\nChannel 0: Yep.\n\nChannel 1: My my main concern with that is for is I as long as the price on the account is outperforming the outgoing from the insurances, I've got no issue with them.\n\nChannel 0: Yep.\n\nChannel 1: So but\n\nChannel 0: Yep.\n\nChannel 1: I think that covers the life insurance practically covers the mortgage plus more.\n\nChannel 0: Yeah.\n\nChannel 1: Disability is pretty much is what it is. And then the\n\nChannel 0: Yeah.\n\nChannel 1: other one, yeah, wage loss.\n\nChannel 0: Yep.\n\nChannel 1: So it should\n\nChannel 0: That's\n\nChannel 1: cover\n\nChannel 0: okay.\n\nChannel 1: because I think the wage the way is it the wage loss one?\n\nChannel 0: The\n\nChannel 1: What's the what is that? Disability and then the so what's the third one? Insurance\n\nChannel 0: income\n\nChannel 1: disability.\n\nChannel 0: protection?\n\nChannel 1: Yeah. Income protection, which\n\nChannel 0: Yep.\n\nChannel 1: what was that? Well, is it fortnightly or weekly?\n\nChannel 0: So the income protection is showing a monthly benefit. The monthly\n\nChannel 1: Yep.\n\nChannel 0: benefit based on the income I have here shows you're over insured just a little bit there, but having that amount does mean if you get a pay rise, you might be able to claim more depending on the income, you know, at the time of disability. But\n\nChannel 1: Yep.\n\nChannel 0: income protection pays out a monthly benefit in the event of being unable to work in the shorter term due to illness or injury.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: What does that pay at monthly?\n\nChannel 0: It pays out as a monthly benefit. Yeah.\n\nChannel 1: Oh, well, well, sorry. What's the title? Do you know the title\n\nChannel 0: Oh,\n\nChannel 1: that I paid\n\nChannel 0: yes. Sorry. Before\n\nChannel 1: that?\n\nChannel 0: income tax, the monthly benefit is a 5,915\n\nChannel 1: 5,900.\n\nChannel 0: And 15.\n\nChannel 1: At full\n\nChannel 0: Yeah. So\n\nChannel 1: monthly,\n\nChannel 0: with income protection,\n\nChannel 1: full plate.\n\nChannel 0: you can be, yeah, you can be covered for up to 70% of your income. 70%. So I've\n\nChannel 1: Yep.\n\nChannel 0: got your income as being about 93,000. Is that right income wise for you at the moment, Rhys?\n\nChannel 1: Yeah. They're about so it's up\n\nChannel 0: Yeah.\n\nChannel 1: to 75%. And then you said it's five\n\nChannel 0: Yeah. So it's 70% of your income. So 70% of 93,000\n\nChannel 1: nine?\n\nChannel 0: means\n\nChannel 1: Yeah.\n\nChannel 0: the yearly benefit's about $65,100, which means the monthly benefit claimable is about 5,425, and you're\n\nChannel 1: Yeah.\n\nChannel 0: covered for $5.09 $1.05 at the moment. So you can keep it at the same amount. It does mean that if\n\nChannel 1: Got\n\nChannel 0: your income\n\nChannel 1: it.\n\nChannel 0: increases, that you've got that higher benefit amount. If we did look at decreasing that, if you then wanted to increase it down the track, it could become more expensive if there's changes to your health. There could\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: That's\n\nChannel 0: loadings or exclusions applied\n\nChannel 1: yeah.\n\nChannel 0: So keeping it, the amount it's not a huge difference, and it does allow for increases to your wage.\n\nChannel 1: No. That's fine. That covers\n\nChannel 0: Yep.\n\nChannel 1: that covers the mortgage.\n\nChannel 0: Yep. Perfect. Excellent.\n\nChannel 1: I got\n\nChannel 0: Lovely.\n\nChannel 1: a I got a 3,800 a week for the mortgage at $2.06\n\nChannel 0: Yep. Per week. Perfect.\n\nChannel 1: $5.02.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. No. Excellent. Perfect. I can see here that you don't have any trauma.\n\nHas anyone ever spoken to you about what trauma cover is and how that works at all?\n\nChannel 1: No. I honestly,\n\nChannel 0: Yeah.\n\nChannel 1: I don't I don't think I ever need it.\n\nChannel 0: That's okay. You're absolutely fine. Not a problem at all. So\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: I\n\nChannel 0: I'll\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: don't\n\nChannel 0: is\n\nChannel 1: think\n\nChannel 0: with\n\nChannel 1: but\n\nChannel 0: yeah. You're\n\nChannel 1: it's\n\nChannel 0: right.\n\nChannel 1: obviously obviously that yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: I don't I don't I don't think that would worry me in the way of trauma. It takes\n\nChannel 0: Mhmm.\n\nChannel 1: something pretty shocking to probably do that part. Because that's fine. Usually, it's from having dealt with certain things or something happened, I suppose, but I yeah. I've never heard of it until you mentioned it, to be honest.\n\nChannel 0: Yeah. That's okay. So trauma tends to pay out, like, a lump sum tax free benefit in the event of, say, a major traumatic diagnosis. Generally, things like Parkinson's or cancer is a big one, heart attack, stroke, certain things like\n\nChannel 1: Yeah.\n\nChannel 0: that. Trauma, you do have to pay for out of your back pocket, so it does affect your expenditure. You can't hold it inside super like you do your life, your TPD, your income protection. So it is definitely a personal choice, and we do sort of find that at the moment a lot of people have trouble paying for things like trauma out of pocket with the the way living expenses are, but it's a personal decision. You don't have to sort of look at it.\n\nWe can always scope it out for now and then come back to that down the track if you decide you wanna relook at it.\n\nChannel 1: No. Probably be fine. I haven't heard of travel insurance till today.\n\nChannel 0: Yeah. That's okay. That's honestly not a problem. I'm glad that at least I spoke to you about it. If you haven't heard of it before today, at least you know it is an option down the track if you do wanna look at it.\n\nSo with the scoping of the advice there, it'll be more around your super, looking at altering the portfolio\n\nChannel 1: Yep.\n\nChannel 0: and how that looks for you over the next few years there, but I will have to just limit scoping the insurances. We're not looking to change any of those at the moment, but because they are paid out of super, it does have an effect on your super balance as well. So it's important that we have that in as a limited side of things. And I\n\nChannel 1: Yep.\n\nChannel 0: just wanted to double check your beneficiaries as well just so I am kinda updating things for you. It's always important just to check that they're correct. I can see there's no real beneficiary nominations on your super, so it is really important that they be updated. Did Samantha sort of have a chat to you about the beneficiary side of things and who you would want to have nominated in the event of passing away at all?\n\nChannel 1: Yeah. I filled out forms, like, two years ago. I started my desk to mail a bit and never mailed them in.\n\nChannel 0: Oh, did you want us to kinda help you by pre filling them out and maybe helping you along? That way, you just have to have them signed and witnessed.\n\nChannel 1: I've got him sign a witness. Can\n\nChannel 0: Yep.\n\nChannel 1: I send him in for two years? I totally forgot.\n\nChannel 0: Normally,\n\nChannel 1: I found him\n\nChannel 0: they\n\nChannel 1: the\n\nChannel 0: have\n\nChannel 1: other\n\nChannel 0: a\n\nChannel 1: day.\n\nChannel 0: limit. Normally, they have a limit on how long ago they have to have been signed.\n\nChannel 1: I think I think Samantha's spending me some more.\n\nChannel 0: Okay. No worries at all. Did you want us to help prefill, like, the beneficiary information for you\n\nChannel 1: No.\n\nChannel 0: and\n\nChannel 1: I can\n\nChannel 0: make\n\nChannel 1: fill\n\nChannel 0: it\n\nChannel 1: it\n\nChannel 0: easier,\n\nChannel 1: all\n\nChannel 0: or\n\nChannel 1: out. That's fine.\n\nChannel 0: you're happy to do so?\n\nChannel 1: No. It's\n\nChannel 0: Not\n\nChannel 1: just\n\nChannel 0: a problem.\n\nChannel 1: like me being lazy. Don't you? I'll get on\n\nChannel 0: Sorry.\n\nChannel 1: to that and then just forget\n\nChannel 0: Yeah. You're honestly fine. Look. In all honesty, they\n\nChannel 1: to\n\nChannel 0: can be the most annoying forms to fill out, but at the same time, they're there to protect your\n\nChannel 1: hear\n\nChannel 0: super\n\nChannel 1: about\n\nChannel 0: as\n\nChannel 1: it.\n\nChannel 0: well. So it is really important that they are completed and sent back. Is it more that you're wanting everything to sort of be paid to your wife to a lease if anything happened to yourself?\n\nChannel 1: I don't know. I cannot see if I have the kids and really upset\n\nChannel 0: I mean, you absolutely could, but in all honesty, because they're all 18, if anything happened to you, the payout going to your kids, it goes to her anyway because the\n\nChannel 1: Yeah.\n\nChannel 0: money isn't paid direct to them. It's paid to their guardian, so she probably ends up with it anyway.\n\nChannel 1: No. I don't. I've got I'd leave it over there anyway. Like, I'm\n\nChannel 0: Yeah.\n\nChannel 1: terrible with money to deal with it.\n\nChannel 0: She sounds\n\nChannel 1: I just\n\nChannel 0: like a\n\nChannel 1: wanna\n\nChannel 0: good\n\nChannel 1: tell\n\nChannel 0: self.\n\nChannel 1: her I just wanna tell her what it's worth so that I don't end up with, like, mushroom poisoning or anything.\n\nChannel 0: Yeah. No. That's understandable. Not a problem at all. We'll keep that a secret.\n\nThe privacy\n\nChannel 1: No.\n\nChannel 0: laws\n\nChannel 1: She\n\nChannel 0: are there to protect you.\n\nChannel 1: no. She's there. Yeah. I think she knows about it. She's\n\nChannel 0: Yeah.\n\nChannel 1: aware I have to tell her.\n\nChannel 0: No. That's okay. I sort of let everyone know as well. It is really important to let your spouse know that you do have life insurance. You don't have to let them know how much it is, but just letting them know that we are your advisers.\n\nHaving our phone number somewhere handy is also important because if anything happened to you, it's a really hard time for them. And at least having the, you know, the kids there can be can make it a little bit harder. So she can just call us. We can help, you know, with the claims process and make everything a little bit smoother. But it's always just really important to kind of make sure that she's aware that you do have a financial adviser.\n\nWe do look after\n\nChannel 1: Oh,\n\nChannel 0: your\n\nChannel 1: she's\n\nChannel 0: sleep\n\nChannel 1: aware.\n\nChannel 0: and your insurances, and we can certainly help her with the claims process. I've had it in the past where clients didn't tell anyone and, you know, a few months have passed away. We've been trying to call them and we get a phone call out of the blue going, this person's passed away. Who are you and what do you do and, you know, how do we get this money?\n\nChannel 1: Yeah. I so\n\nChannel 0: It's\n\nChannel 1: I am either way, I I have a financial\n\nChannel 0: beautiful.\n\nChannel 1: adviser because I told her. She thought\n\nChannel 0: Yeah.\n\nChannel 1: you guys were a scam when I she totally thought it was a scam when I first was chatting to you guys.\n\nChannel 0: Yep.\n\nChannel 1: And I was skeptical. I was like, hey. You're struggling, like, it's just still weird. It's just a cold call and then, yeah, the bloke sold it really well. And then I got chatting and the returns have been phenomenal, and I've been happy since joining.\n\nSo\n\nChannel 0: Yeah. No. Perfect. Well, if you guys wanted to seek other advice on investments or anything else out there, please let me know. I am here to guide\n\nChannel 1: yes.\n\nChannel 0: you along, help you meet your goals. I'm a fully licensed adviser as well. And I know as part of the annual review packet\n\nChannel 1: I\n\nChannel 0: is due to be sent out to you that you'll have the financial services guide in there. So you can look me up in there. It's got my license number. You can have a look on the active register and everything there as well. So\n\nChannel 1: trust\n\nChannel 0: for\n\nChannel 1: you.\n\nChannel 0: yeah. That's good. I love that. I promise I'll look after you too. So\n\nChannel 1: I trust you. Otherwise, if I wasn't trust, I'd have no money.\n\nChannel 0: absolutely. Absolutely. Well, the biggest thing that we abide by is best interest duty, and that's legislated under the corporations act. So it's about making sure that we're here for you. And\n\nChannel 1: Yeah.\n\nChannel 0: whenever a conflict of interest arises, I have to put your needs above that of my employer. So if anything happens and it causes the conflict between you and my bosses, I put your your needs first and act on your behalf. So rest assured I will do nothing wrong by you. Okay?\n\nChannel 1: So the Hub\n\nChannel 0: Yeah.\n\nChannel 1: 24, just\n\nChannel 0: Yes.\n\nChannel 1: the only question I was regarding was that I had my partner did ask me this. So, you know, the big I think the big one, like, Steve Austin all at which they have the insurance and stuff like that. If something happens to them and they lose money or something that the insurance pays out, is HubSpotty four sort of covered in that way as well if they do have a massive financial issue?\n\nChannel 0: Yep. Yeah. Absolutely. So it is a set and covered by the same legislations as an as any other super fund out there. Yeah.\n\nYep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: She wasn't she wasn't sure if she was, like, just questioning me about it. And I'm like, why she don't know whether it is, but I would assume that it would be covered. So\n\nChannel 0: Yeah. Yeah. So, like, if anything was to happen, because your funds, whilst have 20 fours, think of it like the vehicle. It's sort of like the car. And inside that vehicle, you've got all your different investment options.\n\nSo your money is not actually invested in hub twenty four. That's just the platform that it's invested on. Your money is\n\nChannel 1: Yep.\n\nChannel 0: actually invested in the different investment options there. So if something was to happen to hub twenty four and, you know, they were to go down, they would be coming out saying, hey. Look. We're having an issue. We need to close down, but your investments are within these investment options.\n\nAnd another platform should be able to come out, sort of look at things, help, you know, take it on board. We'd be able to move you out of those funds. But the it's more the what happens to the investment option, not so much hub twenty four that affects you. Because it's just the platform you're\n\nChannel 1: Yeah.\n\nChannel 0: sitting on. It's just the investment vehicle. Where your money is actually affected is the investment options that you're invested in, the underlying investment options, if that makes sense.\n\nChannel 1: And that's the same with Save us and all that. Isn't it? If they were to have\n\nChannel 0: Yeah.\n\nChannel 1: issues, it's just their funds are invested. So you're really\n\nChannel 0: Yep.\n\nChannel 1: relying on you're really relying on your funds to do well. And if\n\nChannel 0: Yes.\n\nChannel 1: one of the investors completely\n\nChannel 0: Yep.\n\nChannel 1: tanked, then you kinda lose that just the stock market, isn't it?\n\nChannel 0: That is exactly right. Yeah. That's the same with all the other ones out there. All your individual industry funds, SeaBus, Australian, Super, all those things, they all have investment managers as well. They obviously don't have access to as many investments as what these retail funds do, and they kinda limit what you can do on the platforms there.\n\nHowever,\n\nChannel 1: Yep.\n\nChannel 0: they are investing money in big pools of money with investment managers the same way we are. The more the difference here is you have more clarity and more investments to choose from. It's more of a a lot more access to investments to be able to build your investments and have them working in Ultra and change them. Whereas in those industry super funds, those investments and then they're just making decisions on behalf of everyone and telling you this is where majority of your peer group should be in, so you should be in that same investment options. So here you get a bit personalized.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So the the bigger ones like Feebas are the they're the more safe but lower growth options I've found.\n\nChannel 0: Yeah.\n\nChannel 1: So I noticed\n\nChannel 0: It\n\nChannel 1: that\n\nChannel 0: kinda yeah.\n\nChannel 1: they tend tend to be the safer option, but their growth isn't as good as what like, the growth that I had on it versus the growth that I've had with HubSpot. Look, with you guys have been totally\n\nChannel 0: Yeah.\n\nChannel 1: different.\n\nChannel 0: Yeah. Absolutely. So in order to get more growth, you need to sort of be willing to take on a a bit more risk there. If you're not taking on as much risk, more defensive in nature, more conservative, then you do get the returns that are sort of reflecting that. Yeah.\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: beautiful.\n\nChannel 0: Yeah. Perfect. Did you have any other questions for me at all, Reese? If you think of anything at all, you're welcome to let me know. But have I kind of answered everything for you at the moment?\n\nOr\n\nChannel 1: Yeah. So the the main thing was sort of the\n\nChannel 0: Yeah.\n\nChannel 1: golden silver side of it. The rest\n\nChannel 0: Yep.\n\nChannel 1: of it's questions that have come to mind as I've been chatting. And\n\nChannel 0: Absolutely.\n\nChannel 1: no.\n\nChannel 0: Perfect.\n\nChannel 1: But as I said, I'm happy to as long as obviously, like, if if one of the investments really does take a bit of a hit, is that\n\nChannel 0: Yeah.\n\nChannel 1: you guys would obviously look at it as popping out or riding it out until if if you know it's not gonna be coming back, you obviously be popping out of it. But if you\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: As I\n\nChannel 0: Yep.\n\nChannel 1: said, like, we're leaving it with you guys. You know the market better than what I do.\n\nChannel 0: Yep. Absolutely. No. That's why we definitely want to have a conversation with you, and it's important that we can't just remove an investment without talking to you at the same time and updating the advice to reflect because it's important that you're aware of what's happening with your investments. But, yeah, that's exactly what we're doing with Bandalong.\n\nWe've had a look at it. It's had its ups and downs. It's really not a quality investment anymore. We do wanna remove it, but we're looking at replacing it with something as lower cost, hopefully, save you less in the way of investment fees, and hopefully, provide greater performance there as well. So we do wanna get rid of that one.\n\nSo I'll get cracking on the research on this for you. I'll come back and\n\nChannel 1: Yep.\n\nChannel 0: show you what we're gonna do to help you, and then you get to ask me additional questions and see the advantages, disadvantages, and the risks of what I recommend for you. Okay?\n\nChannel 1: Sounds right.\n\nChannel 0: Excellent. Well, I\n\nChannel 1: Beautiful.\n\nChannel 0: hope you have a safe drive home, Rhys. If you do find you\n\nChannel 1: I\n\nChannel 0: have more questions, please let me know, and I'll contact\n\nChannel 1: think it'll be palatable.\n\nChannel 0: I'll easy. I'll talk to you in about two weeks. Easy.\n\nChannel 1: Yeah. Well, have a lovely\n\nChannel 0: Thanks.\n\nChannel 1: weekend. Hope\n\nChannel 0: You\n\nChannel 1: that the\n\nChannel 0: too.\n\nChannel 1: weather's less out there. I think you don't you think you get a bit of rain, are you?\n\nChannel 0: It has been. Yeah. Well, I think it's probably more common. It kinda rains a lot up here, but that's okay. We'll\n\nChannel 1: They're\n\nChannel 0: winter's\n\nChannel 1: tropical.\n\nChannel 0: coming. It stops in the wet. Yeah.\n\nChannel 1: It's true that I was up to nearly last year in August, and it was just too late. Lovely weather.\n\nChannel 0: Yeah. Yep. Yeah. Yeah. Yeah.\n\nWhen it's beautiful, it is beautiful. When it's wet, it is tranqal.\n\nChannel 1: Yeah. It's a quaint\n\nChannel 0: No.\n\nChannel 1: light.\n\nChannel 0: Oh, that's it. That's exactly it. No. Oh, good. Well, thank you very much for your time.\n\nI really appreciate it. I'll get cracking on the research. We'll talk again\n\nChannel 1: Yep.\n\nChannel 0: shortly. And in the meantime, if you need anything, don't ever hesitate. I'm always here happy to make time. Okay?\n\nChannel 1: Yep. No problem. Thank you.\n\nChannel 0: My pleasure. Enjoy your afternoon. Have a safe trip home.\n\nChannel 1: I will. Will,\n\nChannel 0: Thanks.\n\nChannel 1: Dave. Thanks.\n\nChannel 0: See you\n\nChannel 1: Bye.\n\nChannel 0: later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.025403130799531937},{"text":"Ray speaking.","start":0.79999995,"end":1.54,"sentiment":"neutral","sentiment_score":0.025087070651352406}],"sentiment":"neutral","sentiment_score":0.025192424034078915,"channel":1,"num_words":3,"start":0.56,"end":1.54},{"sentences":[{"text":"Hi, Reese.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.12894516065716743},{"text":"It's Dana from Oku Financial.","start":2.56,"end":4.18,"sentiment":"neutral","sentiment_score":0.15285081565380096},{"text":"How are you this afternoon?","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.23715775310993195}],"sentiment":"neutral","sentiment_score":0.18399443042774996,"channel":0,"num_words":12,"start":1.92,"end":5.38},{"sentences":[{"text":"I'm good.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.4914165139198303},{"text":"And yourself?","start":6.48,"end":7.06,"sentiment":"neutral","sentiment_score":0.3094679266214371}],"sentiment":"positive","sentiment_score":0.4004422202706337,"channel":1,"num_words":4,"start":6.0,"end":7.06},{"sentences":[{"text":"I'm very well.","start":7.44,"end":8.24,"sentiment":"positive","sentiment_score":0.582270622253418},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.6614264249801636},{"text":"Thanks for asking.","start":8.639999,"end":9.36,"sentiment":"positive","sentiment_score":0.5942246715227762},{"text":"I had you booked in today to have a bit of a catch up.","start":9.36,"end":11.759999,"sentiment":"neutral","sentiment_score":0.14769239191498076},{"text":"You were lot wanting to look at having a bit more maybe silver and gold in your portfolio.","start":11.759999,"end":15.615,"sentiment":"neutral","sentiment_score":0.09546061377558443}],"sentiment":"neutral","sentiment_score":0.215958081651479,"channel":0,"num_words":40,"start":7.44,"end":15.615},{"sentences":[{"text":"Is that right?","start":15.615,"end":16.435001,"sentiment":"neutral","sentiment_score":0.08366672197977702}],"sentiment":"neutral","sentiment_score":0.08366672197977702,"channel":0,"num_words":3,"start":15.615,"end":16.435001},{"sentences":[{"text":"Yeah.","start":17.494999,"end":17.815,"sentiment":"neutral","sentiment_score":0.05697032064199448},{"text":"It was I think yeah.","start":17.815,"end":20.615,"sentiment":"neutral","sentiment_score":0.0665064200758934},{"text":"Definitely.","start":20.615,"end":21.095001,"sentiment":"neutral","sentiment_score":0.112114779651165},{"text":"I was more interested in the silver and the gold side of things.","start":21.095001,"end":23.895,"sentiment":"neutral","sentiment_score":0.08942829101131512},{"text":"That's physical","start":23.895,"end":24.715,"sentiment":"neutral","sentiment_score":0.054764723405241966}],"sentiment":"neutral","sentiment_score":0.08062338321046396,"channel":1,"num_words":22,"start":17.494999,"end":24.715},{"sentences":[{"text":"Yep.","start":24.494999,"end":24.994999,"sentiment":"neutral","sentiment_score":0.0434233620762825}],"sentiment":"neutral","sentiment_score":0.0434233620762825,"channel":0,"num_words":1,"start":24.494999,"end":24.994999},{"sentences":[{"text":"silver and gold.","start":24.855,"end":25.735,"sentiment":"neutral","sentiment_score":0.05431350568930308},{"text":"Yeah.","start":25.735,"end":26.235,"sentiment":"neutral","sentiment_score":0.078221395611763}],"sentiment":"neutral","sentiment_score":0.06029047816991806,"channel":1,"num_words":4,"start":24.855,"end":26.235},{"sentences":[{"text":"Yeah.","start":26.51,"end":26.67,"sentiment":"neutral","sentiment_score":0.10429223626852036},{"text":"Absolutely.","start":26.67,"end":27.17,"sentiment":"neutral","sentiment_score":0.15744608640670776},{"text":"Sure is.","start":27.470001,"end":28.11,"sentiment":"neutral","sentiment_score":0.14581644535064697},{"text":"Yeah.","start":28.11,"end":28.61,"sentiment":"neutral","sentiment_score":0.10293559730052948},{"text":"Is now still a good time for a bit of a cashier to have a chat about it?","start":29.23,"end":32.45,"sentiment":"neutral","sentiment_score":0.12225648553835021}],"sentiment":"neutral","sentiment_score":0.12421406740727632,"channel":0,"num_words":23,"start":26.51,"end":32.45},{"sentences":[{"text":"That's fine.","start":32.9,"end":33.38,"sentiment":"neutral","sentiment_score":0.10434087365865707},{"text":"I have plenty of","start":33.38,"end":34.1,"sentiment":"neutral","sentiment_score":0.08552301861345768}],"sentiment":"neutral","sentiment_score":0.09179563696185748,"channel":1,"num_words":6,"start":32.9,"end":34.1},{"sentences":[{"text":"Yeah.","start":34.03,"end":34.53,"sentiment":"neutral","sentiment_score":0.06075669825077057}],"sentiment":"neutral","sentiment_score":0.06075669825077057,"channel":0,"num_words":1,"start":34.03,"end":34.53},{"sentences":[{"text":"time.","start":34.1,"end":34.6,"sentiment":"neutral","sentiment_score":0.1119675636291504}],"sentiment":"neutral","sentiment_score":0.1119675636291504,"channel":1,"num_words":1,"start":34.1,"end":34.6},{"sentences":[{"text":"Fantastic.","start":35.15,"end":35.65,"sentiment":"positive","sentiment_score":0.3743436932563782}],"sentiment":"positive","sentiment_score":0.3743436932563782,"channel":0,"num_words":1,"start":35.15,"end":35.65},{"sentences":[{"text":"Aaron.","start":36.1,"end":36.6,"sentiment":"neutral","sentiment_score":0.17206057906150818}],"sentiment":"neutral","sentiment_score":0.17206057906150818,"channel":1,"num_words":1,"start":36.1,"end":36.6},{"sentences":[{"text":"Oh, Reese, before we jump sorry.","start":36.35,"end":38.510002,"sentiment":"neutral","sentiment_score":0.04804785115023454},{"text":"You're alright.","start":38.510002,"end":39.25,"sentiment":"neutral","sentiment_score":0.04161958210170269}],"sentiment":"neutral","sentiment_score":0.04644078388810158,"channel":0,"num_words":8,"start":36.35,"end":39.25},{"sentences":[{"text":"So I've got an Aaron for thirty minutes.","start":39.54,"end":40.809998,"sentiment":"neutral","sentiment_score":0.03892092849127948},{"text":"I'm sorry.","start":40.809998,"end":41.559998,"sentiment":"neutral","sentiment_score":-0.0016674846410751343},{"text":"He's took the best","start":42.18,"end":43.395,"sentiment":"neutral","sentiment_score":0.07912092842161655}],"sentiment":"neutral","sentiment_score":0.044608298023896556,"channel":1,"num_words":14,"start":39.54,"end":43.395},{"sentences":[{"text":"Oh, 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of physical gold and silver because they are technically alternative assets.","start":557.11005,"end":562.225,"sentiment":"neutral","sentiment_score":-0.07602089333037536},{"text":"So Hub 24 does have a maximum limit that you can have in there.","start":562.225,"end":566.165,"sentiment":"neutral","sentiment_score":-0.009920022849525725}],"sentiment":"neutral","sentiment_score":0.05076809839843071,"channel":0,"num_words":73,"start":546.87,"end":566.165},{"sentences":[{"text":"So","start":566.465,"end":566.705,"sentiment":"neutral","sentiment_score":0.03655501455068588}],"sentiment":"neutral","sentiment_score":0.03655501455068588,"channel":0,"num_words":1,"start":566.465,"end":566.705},{"sentences":[{"text":"Yep.","start":566.625,"end":567.125,"sentiment":"neutral","sentiment_score":0.000991398235782981}],"sentiment":"neutral","sentiment_score":0.000991398235782981,"channel":1,"num_words":1,"start":566.625,"end":567.125},{"sentences":[{"text":"I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time.","start":566.705,"end":572.565,"sentiment":"neutral","sentiment_score":0.13400030851364136},{"text":"And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board.","start":573.41,"end":584.76996,"sentiment":"neutral","sentiment_score":0.23325938812416533},{"text":"Does that sound okay with you?","start":584.76996,"end":586.63,"sentiment":"neutral","sentiment_score":0.2226102203130722}],"sentiment":"neutral","sentiment_score":0.20020260894066327,"channel":0,"num_words":77,"start":566.705,"end":586.63},{"sentences":[{"text":"Yeah.","start":587.115,"end":587.435,"sentiment":"neutral","sentiment_score":0.01830626465380192},{"text":"I can't say why 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said,","start":590.95496,"end":591.51495,"sentiment":"neutral","sentiment_score":0.036970638980468117}],"sentiment":"neutral","sentiment_score":0.036970638980468117,"channel":1,"num_words":3,"start":590.95496,"end":591.51495},{"sentences":[{"text":"okay.","start":591.355,"end":591.855,"sentiment":"neutral","sentiment_score":0.06234707683324814}],"sentiment":"neutral","sentiment_score":0.06234707683324814,"channel":0,"num_words":1,"start":591.355,"end":591.855},{"sentences":[{"text":"you guys know what you're doing.","start":591.51495,"end":592.95496,"sentiment":"neutral","sentiment_score":0.045730063070853554},{"text":"I'm just gonna look at it","start":592.95496,"end":594.13,"sentiment":"neutral","sentiment_score":0.03492544343074163}],"sentiment":"neutral","sentiment_score":0.04032775325079759,"channel":1,"num_words":12,"start":591.51495,"end":594.13},{"sentences":[{"text":"Yeah.","start":594.075,"end":594.575,"sentiment":"neutral","sentiment_score":0.03033865801990032}],"sentiment":"neutral","sentiment_score":0.03033865801990032,"channel":0,"num_words":1,"start":594.075,"end":594.575},{"sentences":[{"text":"and go, okay.","start":594.13,"end":594.76996,"sentiment":"neutral","sentiment_score":0.043876150622963905},{"text":"But as long as it's performing.","start":594.76996,"end":596.20996,"sentiment":"neutral","sentiment_score":0.003972740223010381},{"text":"If it's not performing, then I'm gonna be questioning 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itself.","start":606.25,"end":612.645,"sentiment":"neutral","sentiment_score":-0.09975630072531877}],"sentiment":"neutral","sentiment_score":-0.045438622731515874,"channel":0,"num_words":56,"start":598.97003,"end":612.645},{"sentences":[{"text":"It's more because of the market as a whole.","start":612.645,"end":614.74506,"sentiment":"neutral","sentiment_score":-0.12002961668703291},{"text":"And, like, if your","start":614.885,"end":615.68506,"sentiment":"neutral","sentiment_score":-0.06732788309454918}],"sentiment":"neutral","sentiment_score":-0.10381369865857638,"channel":0,"num_words":13,"start":612.645,"end":615.68506},{"sentences":[{"text":"Yeah.","start":615.45496,"end":615.95496,"sentiment":"neutral","sentiment_score":-0.06179357320070267}],"sentiment":"neutral","sentiment_score":-0.06179357320070267,"channel":1,"num_words":1,"start":615.45496,"end":615.95496},{"sentences":[{"text":"superhero isn't performing, it's gonna be because the market as a whole isn't performing correctly, and that's gonna be something outside of our control.","start":615.68506,"end":622.645,"sentiment":"neutral","sentiment_score":-0.22861041345944008},{"text":"So it's about making sure you're invested throughout those downtimes that you're able to go through those points where the market might not be working very well, where investors are drawing large sums of money out, so you're seeing a downtime.","start":622.645,"end":635.04,"sentiment":"neutral","sentiment_score":-0.009217185036438267},{"text":"Taking advantage of those downtimes as well, allowing your contributions to keep going in so that you're buying into those discounted rates.","start":635.9,"end":642.78,"sentiment":"neutral","sentiment_score":0.2768749994310466},{"text":"They always say buy low, sell high.","start":642.78,"end":645.355,"sentiment":"neutral","sentiment_score":0.13961748353072576},{"text":"Well, when the markets are down, that's your chance to buy in 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another.","start":741.51,"end":752.98505,"sentiment":"neutral","sentiment_score":-0.21980936396867037}],"sentiment":"neutral","sentiment_score":-0.21980936396867037,"channel":1,"num_words":40,"start":741.51,"end":752.98505},{"sentences":[{"text":"Yes.","start":752.63495,"end":753.13495,"sentiment":"neutral","sentiment_score":0.024162840098142624},{"text":"Absolutely.","start":753.435,"end":753.935,"sentiment":"neutral","sentiment_score":0.04139041155576706},{"text":"Most definitely.","start":754.39496,"end":755.035,"sentiment":"neutral","sentiment_score":0.012947717681527138},{"text":"And one of the biggest things to remember is when it comes to investments, the biggest effect the biggest factor affecting it is human emotion.","start":755.035,"end":762.975,"sentiment":"neutral","sentiment_score":-0.08485179960727691},{"text":"So when you're seeing lots of people pulling money out and drawing, it's because they've heard something that's making them feel emotional about what's gonna 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when you start stressing about repayments.","start":1258.96,"end":1274.915,"sentiment":"neutral","sentiment_score":-0.15964926651545933},{"text":"And I don't have I know that I don't have the cash flow to look after, facilitate those loans,","start":1275.055,"end":1280.79,"sentiment":"neutral","sentiment_score":-0.23666052833983772}],"sentiment":"neutral","sentiment_score":-0.1867458216018147,"channel":1,"num_words":54,"start":1258.96,"end":1280.79},{"sentences":[{"text":"Yep.","start":1281.225,"end":1281.725,"sentiment":"neutral","sentiment_score":-0.2451239824295044}],"sentiment":"neutral","sentiment_score":-0.2451239824295044,"channel":0,"num_words":1,"start":1281.225,"end":1281.725},{"sentences":[{"text":"so I wouldn't do 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do you have any goals to buy investment properties in the future, or are you happy just sort of trying to pay down your current mortgage as much as possible?","start":1299.4349,"end":1306.7949,"sentiment":"neutral","sentiment_score":0.06138602355795522},{"text":"What's your other goals moving forward?","start":1306.7949,"end":1308.735,"sentiment":"neutral","sentiment_score":0.020611452870070934}],"sentiment":"neutral","sentiment_score":0.07254825543612242,"channel":0,"num_words":50,"start":1294.84,"end":1308.735},{"sentences":[{"text":"Probably paying the mortgage off is the main one.","start":1308.61,"end":1311.11,"sentiment":"neutral","sentiment_score":-0.028460266585979197},{"text":"I couldn't","start":1311.1699,"end":1311.83,"sentiment":"neutral","sentiment_score":-0.04386978782713413}],"sentiment":"neutral","sentiment_score":-0.03126199772073464,"channel":1,"num_words":11,"start":1308.61,"end":1311.83},{"sentences":[{"text":"Yeah.","start":1311.45,"end":1311.95,"sentiment":"neutral","sentiment_score":-0.049241241067647934}],"sentiment":"neutral","sentiment_score":-0.049241241067647934,"channel":0,"num_words":1,"start":1311.45,"end":1311.95},{"sentences":[{"text":"I'd like to buy investment properties, but it wouldn't be in 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anyway.","start":1319.1699,"end":1320.61,"sentiment":"neutral","sentiment_score":-0.037789203226566315},{"text":"It's ridiculous.","start":1320.61,"end":1321.27,"sentiment":"neutral","sentiment_score":-0.18918117880821228},{"text":"You buy and you get taxed through the roof.","start":1321.33,"end":1323.35,"sentiment":"neutral","sentiment_score":-0.07968592906319019}],"sentiment":"neutral","sentiment_score":-0.08635023777605966,"channel":1,"num_words":14,"start":1319.1699,"end":1323.35},{"sentences":[{"text":"Yeah.","start":1323.865,"end":1324.365,"sentiment":"neutral","sentiment_score":0.02838727086782455},{"text":"Yeah.","start":1324.665,"end":1325.165,"sentiment":"neutral","sentiment_score":0.06406580656766891}],"sentiment":"neutral","sentiment_score":0.046226538717746735,"channel":0,"num_words":2,"start":1323.865,"end":1325.165},{"sentences":[{"text":"Mate, like, I look.","start":1325.285,"end":1326.245,"sentiment":"neutral","sentiment_score":0.08020249381661415},{"text":"I if it's a possibility and there's a good return from it, I'm sure.","start":1326.245,"end":1330.665,"sentiment":"neutral","sentiment_score":0.13329230355364935}],"sentiment":"neutral","sentiment_score":0.12149456805653042,"channel":1,"num_words":18,"start":1325.285,"end":1330.665},{"sentences":[{"text":"Mhmm.","start":1330.665,"end":1331.165,"sentiment":"neutral","sentiment_score":0.06858609616756439}],"sentiment":"neutral","sentiment_score":0.06858609616756439,"channel":0,"num_words":1,"start":1330.665,"end":1331.165},{"sentences":[{"text":"Some people do it with their super and they do really well on it.","start":1330.885,"end":1335.225,"sentiment":"neutral","sentiment_score":0.14496906899980136}],"sentiment":"neutral","sentiment_score":0.14496906899980136,"channel":1,"num_words":14,"start":1330.885,"end":1335.225},{"sentences":[{"text":"Yeah.","start":1335.96,"end":1336.46,"sentiment":"neutral","sentiment_score":0.0475488156080246}],"sentiment":"neutral","sentiment_score":0.0475488156080246,"channel":0,"num_words":1,"start":1335.96,"end":1336.46},{"sentences":[{"text":"Yeah.","start":1336.8201,"end":1337.3201,"sentiment":"neutral","sentiment_score":0.0018744557164609432},{"text":"But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on 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where your risk level is sitting, where your tolerance is, and what sort of portfolio you should be in.","start":1348.0249,"end":1356.765,"sentiment":"neutral","sentiment_score":0.05172318285878967},{"text":"Essentially, having a look at that, you actually have scored there as a growth investor, and you are in kind of that growth environment at the moment.","start":1357.385,"end":1364.49,"sentiment":"neutral","sentiment_score":0.05527947429153654},{"text":"So you generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed properties, and commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest there.","start":1364.49,"end":1380.3451,"sentiment":"neutral","sentiment_score":0.028967039619127045},{"text":"The growth environment suits someone who has at least six years to be invested.","start":1380.885,"end":1384.905,"sentiment":"neutral","sentiment_score":-0.04135175395224776},{"text":"They're not wanting to access their money for about six years at a minimum.","start":1385.4451,"end":1388.665,"sentiment":"neutral","sentiment_score":-0.2022229912025588}],"sentiment":"neutral","sentiment_score":0.008693121580613984,"channel":0,"num_words":135,"start":1348.0249,"end":1388.665},{"sentences":[{"text":"You're averaging or trying to get the expected average returns of about seven to 9% on a yearly basis compounding.","start":1389.37,"end":1395.87,"sentiment":"neutral","sentiment_score":-0.12354538291692733},{"text":"And with this sort of portfolio, the likelihood of a negative return is expected sort of one in every five years.","start":1396.8099,"end":1402.985,"sentiment":"neutral","sentiment_score":-0.256005795229049},{"text":"Do you feel like this sort of environment sort of suits you realistically from everything you've told me?","start":1402.985,"end":1408.265,"sentiment":"neutral","sentiment_score":-0.037302140767375626},{"text":"The growth portfolio still suits your risk capacity quite comfortably, but are you comfortable remaining in that sort of portfolio?","start":1408.265,"end":1414.765,"sentiment":"neutral","sentiment_score":-0.06447233874350786}],"sentiment":"neutral","sentiment_score":-0.12415081856748726,"channel":0,"num_words":79,"start":1389.37,"end":1414.765},{"sentences":[{"text":"Yeah.","start":1416.265,"end":1416.5851,"sentiment":"neutral","sentiment_score":-0.03755182772874832},{"text":"I think it's it's doing really I say it's doing alright for what it 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gonna take a hit.","start":1421.33,"end":1423.73,"sentiment":"neutral","sentiment_score":-0.24378559490044913},{"text":"Like, this year, we'll probably take a hit on it.","start":1423.73,"end":1425.49,"sentiment":"neutral","sentiment_score":-0.25197106748819353},{"text":"Next year, you'll have growth, and that's just how the world works.","start":1425.49,"end":1428.23,"sentiment":"neutral","sentiment_score":-0.12435926124453545}],"sentiment":"neutral","sentiment_score":-0.20019652141678718,"channel":1,"num_words":31,"start":1421.33,"end":1428.23},{"sentences":[{"text":"Yeah.","start":1429.2151,"end":1429.535,"sentiment":"neutral","sentiment_score":0.02106819860637188},{"text":"Yep.","start":1429.535,"end":1429.935,"sentiment":"neutral","sentiment_score":0.06865862011909485},{"text":"That's perfect.","start":1429.935,"end":1430.8351,"sentiment":"neutral","sentiment_score":0.2768922597169876}],"sentiment":"neutral","sentiment_score":0.1608778345398605,"channel":0,"num_words":4,"start":1429.2151,"end":1430.8351},{"sentences":[{"text":"So, like, yeah, it's just market's fluctuate.","start":1431.49,"end":1435.1749,"sentiment":"neutral","sentiment_score":0.10239455423184804},{"text":"I'm like, that's my understanding of it.","start":1435.5549,"end":1437.735,"sentiment":"neutral","sentiment_score":0.07244385778903961},{"text":"And, you know, you gotta be in it to win it partially as well.","start":1439.955,"end":1442.6749,"sentiment":"neutral","sentiment_score":0.06808391665773732},{"text":"So","start":1442.6749,"end":1443.1749,"sentiment":"neutral","sentiment_score":0.11194898933172226}],"sentiment":"neutral","sentiment_score":0.07893078298918133,"channel":1,"num_words":29,"start":1431.49,"end":1443.1749},{"sentences":[{"text":"Abs absolutely.","start":1443.15,"end":1444.05,"sentiment":"neutral","sentiment_score":0.13904540240764618},{"text":"Well, I'm looking at the the portfolio you're in, and everything has been performing really well.","start":1444.27,"end":1448.27,"sentiment":"neutral","sentiment_score":0.19006417179480195},{"text":"So when I look at how all the individual investments have been performing, everything is up except for that ban along there.","start":1448.27,"end":1454.3501,"sentiment":"neutral","sentiment_score":0.0761242621916939},{"text":"So as it is a business decision to kinda remove that it is underperforming, it's time to get that out of there.","start":1454.3501,"end":1460.265,"sentiment":"neutral","sentiment_score":-0.2493033693595366},{"text":"Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing.","start":1460.4851,"end":1465.9451,"sentiment":"positive","sentiment_score":0.5565193373905984}],"sentiment":"neutral","sentiment_score":0.12448203217606117,"channel":0,"num_words":81,"start":1443.15,"end":1465.9451},{"sentences":[{"text":"And I've had a really good look around at what we're sort of expecting.","start":1467.61,"end":1470.59,"sentiment":"positive","sentiment_score":0.5555120344672885},{"text":"So one of the good ways to sort of understand and look at whether, you know, what we're expecting around about volatility is looking at the VIX index that kind of looks at the markets, how things are reacting, but sort of tracks and shows are we expecting, you know, over the next sort of thirty odd days or so, volatile times around of the S and P 500.","start":1470.6499,"end":1490.755,"sentiment":"neutral","sentiment_score":0.16840197329503903},{"text":"Because most things follow suit in The US market.","start":1490.755,"end":1493.655,"sentiment":"neutral","sentiment_score":0.0895208865404129},{"text":"And that has sort of been over about 20% for the last sort of five to six days that I can see here, which kinda shows that we are expecting that volatility within the markets over the next month.","start":1494.48,"end":1506.74,"sentiment":"neutral","sentiment_score":0.12907822735798666},{"text":"The VIX index goes up pretty heavily on a regular basis, and it's it's gone up and been fluctuating pretty drastically.","start":1507.645,"end":1514.865,"sentiment":"neutral","sentiment_score":0.27645812999634517}],"sentiment":"neutral","sentiment_score":0.20422542247136957,"channel":0,"num_words":152,"start":1467.61,"end":1514.865},{"sentences":[{"text":"But, generally, when the VIX index shows you less than 20%, it's sort of showing that the market's expected to be fairly stable, whereas anything over 20% is showing that it's expecting volatility within the market there.","start":1515.005,"end":1526.75,"sentiment":"neutral","sentiment_score":0.06078669602504453},{"text":"So this has been showing over the 20% for at least the last five to six days, and I kind of look at that every now, see what it is doing.","start":1526.75,"end":1536.485,"sentiment":"neutral","sentiment_score":0.19178672303115168},{"text":"So we do expect those volatile times to stay.","start":1536.485,"end":1539.1449,"sentiment":"neutral","sentiment_score":0.12196616000599331},{"text":"But in saying that this growth portfolio suits where you're at, it suits your time horizon.","start":1539.2849,"end":1543.3049,"sentiment":"neutral","sentiment_score":0.26351655926555395},{"text":"We can take advantage of those downtimes.","start":1543.9249,"end":1545.7849,"sentiment":"neutral","sentiment_score":0.23580102356416838}],"sentiment":"neutral","sentiment_score":0.1515906372014433,"channel":0,"num_words":100,"start":1515.005,"end":1545.7849},{"sentences":[{"text":"And whilst we wanna get rid of that along at the moment, we can look at rebalancing your portfolio.","start":1545.845,"end":1550.97,"sentiment":"neutral","sentiment_score":0.04736252697674852},{"text":"We can look at adding a bit of silver in there, and we can also just look at, you know, offsetting any capital gains within the fund by the fact that Bennelong is down a little bit there.","start":1551.11,"end":1561.99,"sentiment":"neutral","sentiment_score":0.1750881193499816},{"text":"So we can utilize that to our advantage.","start":1561.99,"end":1564.09,"sentiment":"positive","sentiment_score":0.4002535082399845},{"text":"And if you're comfortable, I'll go back and do the research for you.","start":1564.15,"end":1567.235,"sentiment":"neutral","sentiment_score":0.32328532063044035},{"text":"I'll update the recommendations, adding a bills adding a bit of silver for you as per your preference.","start":1567.235,"end":1572.535,"sentiment":"neutral","sentiment_score":0.30873967469152475}],"sentiment":"neutral","sentiment_score":0.21370091590021426,"channel":0,"num_words":96,"start":1545.845,"end":1572.535},{"sentences":[{"text":"And then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you.","start":1573.0751,"end":1582.01,"sentiment":"neutral","sentiment_score":0.0870005686301738},{"text":"How does that sound, Rhys?","start":1582.01,"end":1583.31,"sentiment":"neutral","sentiment_score":0.10923928916454315}],"sentiment":"neutral","sentiment_score":0.0900058011348183,"channel":0,"num_words":37,"start":1573.0751,"end":1583.31},{"sentences":[{"text":"Sounds 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of your goals moving forward was trying to reduce the mortgage as much as possible.","start":1591.29,"end":1595.365,"sentiment":"neutral","sentiment_score":0.05713660106994212},{"text":"You're hoping to reduce it by at least 50 k.","start":1595.365,"end":1598.345,"sentiment":"neutral","sentiment_score":0.07165686413645744},{"text":"Is there any kind of time horizon you're looking to try and reduce your mortgage by, or is it just trying to pay it down as quickly as possible?","start":1598.965,"end":1606.025,"sentiment":"neutral","sentiment_score":0.038458563451623094}],"sentiment":"neutral","sentiment_score":0.04992822906510396,"channel":0,"num_words":55,"start":1591.29,"end":1606.025},{"sentences":[{"text":"I doubt it.","start":1607.095,"end":1607.895,"sentiment":"neutral","sentiment_score":-0.23513227701187134},{"text":"Whatever rate we can.","start":1607.895,"end":1608.9349,"sentiment":"neutral","sentiment_score":-0.24793174490332603},{"text":"I think there's a rate rise coming, 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everything's very subjective.","start":1624.515,"end":1626.435,"sentiment":"neutral","sentiment_score":-0.11964273825287819},{"text":"And when you sort of look and talk to the different economists, they sort of say different things.","start":1626.435,"end":1630.195,"sentiment":"neutral","sentiment_score":-0.07118823524150583},{"text":"They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right.","start":1630.195,"end":1645.43,"sentiment":"neutral","sentiment_score":-0.09947572782635689},{"text":"We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out 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take me probably about sort of two to three weeks to get everything sorted for you.","start":1735.485,"end":1740.705,"sentiment":"neutral","sentiment_score":0.04577796194044983},{"text":"Is there a day that sort of suits you best to kinda go through the updated advice document?","start":1741.28,"end":1746.34,"sentiment":"neutral","sentiment_score":0.1060756395260493}],"sentiment":"neutral","sentiment_score":0.2069341131271078,"channel":0,"num_words":78,"start":1726.365,"end":1746.34},{"sentences":[{"text":"Yeah.","start":1746.63,"end":1747.13,"sentiment":"neutral","sentiment_score":0.02632366120815277},{"text":"Anytime after 04:30, Monday to 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beautiful.","start":2977.22,"end":2978.82,"sentiment":"positive","sentiment_score":0.5976529518763224},{"text":"When it's wet, it is tranqal.","start":2978.82,"end":2980.4402,"sentiment":"neutral","sentiment_score":0.28555039564768475}],"sentiment":"positive","sentiment_score":0.4416016737620036,"channel":0,"num_words":12,"start":2977.22,"end":2980.4402},{"sentences":[{"text":"Yeah.","start":2980.915,"end":2981.415,"sentiment":"neutral","sentiment_score":0.18564319610595703},{"text":"It's a 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it.","start":2985.335,"end":2986.535,"sentiment":"neutral","sentiment_score":0.17404411733150482},{"text":"No.","start":2986.535,"end":2986.775,"sentiment":"neutral","sentiment_score":0.03210095316171646},{"text":"Oh, good.","start":2986.775,"end":2987.1748,"sentiment":"positive","sentiment_score":0.3783951848745346},{"text":"Well, thank you very much for your time.","start":2987.1748,"end":2988.615,"sentiment":"positive","sentiment_score":0.7167940139770508}],"sentiment":"positive","sentiment_score":0.42587890256853667,"channel":0,"num_words":17,"start":2983.7002,"end":2988.615},{"sentences":[{"text":"I really appreciate it.","start":2988.615,"end":2989.815,"sentiment":"positive","sentiment_score":0.7789774984121323},{"text":"I'll get cracking on the research.","start":2989.815,"end":2991.095,"sentiment":"positive","sentiment_score":0.6478151281674703},{"text":"We'll talk again","start":2991.095,"end":2991.815,"sentiment":"neutral","sentiment_score":0.24945203959941864}],"sentiment":"positive","sentiment_score":0.596242837034739,"channel":0,"num_words":13,"start":2988.615,"end":2991.815},{"sentences":[{"text":"Yep.","start":2991.71,"end":2992.21,"sentiment":"neutral","sentiment_score":0.15020820498466492}],"sentiment":"neutral","sentiment_score":0.15020820498466492,"channel":1,"num_words":1,"start":2991.71,"end":2992.21},{"sentences":[{"text":"shortly.","start":2991.815,"end":2992.1348,"sentiment":"neutral","sentiment_score":0.18774116039276123},{"text":"And in the meantime, if you need anything, don't ever hesitate.","start":2992.1348,"end":2994.6348,"sentiment":"neutral","sentiment_score":0.1935517957264727},{"text":"I'm always here happy to make time.","start":2994.6948,"end":2996.375,"sentiment":"positive","sentiment_score":0.5139547543866294},{"text":"Okay?","start":2996.375,"end":2996.875,"sentiment":"neutral","sentiment_score":0.2268381118774414}],"sentiment":"neutral","sentiment_score":0.3070666152983904,"channel":0,"num_words":20,"start":2991.815,"end":2996.875},{"sentences":[{"text":"Yep.","start":2996.91,"end":2997.23,"sentiment":"neutral","sentiment_score":0.2149457037448883},{"text":"No problem.","start":2997.23,"end":2997.8699,"sentiment":"positive","sentiment_score":0.4532112032175064},{"text":"Thank you.","start":2997.8699,"end":2998.6099,"sentiment":"positive","sentiment_score":0.717802494764328}],"sentiment":"positive","sentiment_score":0.5113946199417114,"channel":1,"num_words":5,"start":2996.91,"end":2998.6099},{"sentences":[{"text":"My pleasure.","start":2998.939,"end":2999.5789,"sentiment":"positive","sentiment_score":0.7786917686462402},{"text":"Enjoy your afternoon.","start":2999.5789,"end":3000.619,"sentiment":"positive","sentiment_score":0.7760328650474548},{"text":"Have a safe trip home.","start":3000.619,"end":3001.919,"sentiment":"positive","sentiment_score":0.6649863004684449}],"sentiment":"positive","sentiment_score":0.7210413634777069,"channel":0,"num_words":10,"start":2998.939,"end":3001.919},{"sentences":[{"text":"I will.","start":3001.589,"end":3002.329,"sentiment":"neutral","sentiment_score":0.3222793787717819},{"text":"Will,","start":3002.549,"end":3002.8691,"sentiment":"neutral","sentiment_score":0.197550967335701}],"sentiment":"neutral","sentiment_score":0.28070324162642163,"channel":1,"num_words":3,"start":3001.589,"end":3002.8691},{"sentences":[{"text":"Thanks.","start":3002.859,"end":3003.359,"sentiment":"positive","sentiment_score":0.5193108320236206}],"sentiment":"positive","sentiment_score":0.5193108320236206,"channel":0,"num_words":1,"start":3002.859,"end":3003.359},{"sentences":[{"text":"Dave.","start":3002.8691,"end":3003.3691,"sentiment":"neutral","sentiment_score":0.2942398190498352},{"text":"Thanks.","start":3003.749,"end":3004.069,"sentiment":"positive","sentiment_score":0.565895676612854}],"sentiment":"positive","sentiment_score":0.4300677478313446,"channel":1,"num_words":2,"start":3002.8691,"end":3004.069},{"sentences":[{"text":"See you","start":3003.899,"end":3004.2188,"sentiment":"positive","sentiment_score":0.38852955400943756}],"sentiment":"positive","sentiment_score":0.38852955400943756,"channel":0,"num_words":2,"start":3003.899,"end":3004.2188},{"sentences":[{"text":"Bye.","start":3004.069,"end":3004.569,"sentiment":"neutral","sentiment_score":0.2957914471626282}],"sentiment":"neutral","sentiment_score":0.2957914471626282,"channel":1,"num_words":1,"start":3004.069,"end":3004.569},{"sentences":[{"text":"later.","start":3004.2188,"end":3004.7188,"sentiment":"neutral","sentiment_score":0.21251040697097776},{"text":"Bye.","start":3004.7788,"end":3005.2788,"sentiment":"neutral","sentiment_score":-0.1043463796377182}],"sentiment":"neutral","sentiment_score":0.05408201366662978,"channel":0,"num_words":2,"start":3004.2188,"end":3005.2788}]},"summary":{"result":"success","short":"The speaker discusses options for investing in gold and silver, including structuring the portfolio and adding silver to the portfolio. They emphasize the importance of keeping weighting and storing gold or silver in proper format. The speaker emphasizes the importance of updating investment advice and keeping it on track to avoid unnecessary risk. They also discuss the benefits of investing in the right portfolio and the importance of updating beneficiaries and filling out insurance claims. The speaker emphasizes the need to inform spEs of financial advisers and update beneficiaries. Finally, they emphasize the importance of trusting the customer's interests and updating their portfolio."},"intents":{"segments":[{"text":"talk Before we jump into the to call, just to let you know we do record me. our calls for quality and training purposes. Are you happy for me to proceed with that? Sure. Fantastic.","start_word":150,"end_word":184,"intents":[{"intent":"Request a call back","confidence_score":0.00005858368}]},{"text":"And just to do security there with you, just to confirm your full name, date of birth, and address I should have on file? Alright, Sarah.","start_word":185,"end_word":210,"intents":[{"intent":"Confirm information","confidence_score":0.0020522047}]},{"text":"So with the way your super structured at the moment, in hub twenty four, hub twenty four are the trustee. They look after majority of things, and they do the tax returns and things like that for you, have the orders complete completed on your super Yes. fund.","start_word":1242,"end_word":1289,"intents":[{"intent":"Evaluate super system structures","confidence_score":0.017167829}]},{"text":"And then we can look at maybe replacing the Ben along Australian equities as well and maybe utilizing the loss that it has been to offset any gains or change in the investment structure.","start_word":1510,"end_word":1543,"intents":[{"intent":"Replace ben and equities","confidence_score":0.015382036}]},{"text":"I'm happy to lose the ones that aren't performing. Yeah.","start_word":1559,"end_word":1568,"intents":[{"intent":"Address losses in portfolios and reevaluate underlying investments","confidence_score":2.8453632e-8}]},{"text":"We are sort of removing the active managed funds and looking at something more passively managed, a bit more low cost in your super as well because reducing fees is always a big part of it.","start_word":1657,"end_word":1692,"intents":[{"intent":"Reduce fees and perform well in super","confidence_score":0.0016332736}]},{"text":"But if you like, I can go back. I can look at the removing banner long, look at what to put in this place, make sure that the performance has been there to kinda show what it can do moving forward for you, add a bit of silver in there for you and sort of keep maybe look at doing a rebalance on your super as well to make sure you are invested in line with things correctly. Yeah.","start_word":1694,"end_word":1772,"intents":[{"intent":"Rebalance super and maintain gold and silver in portfolios","confidence_score":0.00003060382}]},{"text":"I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time. And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board. Does that sound okay with you? Yeah.","start_word":1890,"end_word":1967,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.020153064}]},{"text":"I'm just having a look to see what investment portfolio you're in at the moment.","start_word":2276,"end_word":2290,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.089872494}]},{"text":"I have at one point, I was I'm was on the process of getting into investing myself personally. Mhmm. But I rather than invest straight away, I actually just selected a handful of ETFs to follow and just monitored them for probably about six months to see whether I actually wanted to or not. Yep.","start_word":2721,"end_word":2775,"intents":[{"intent":"Discuss investing decisions","confidence_score":0.0016571288}]},{"text":"But, also, just not investing anything that has that's too risky, too speculative, that hasn't been around for a long time and got a track record as well, if that makes sense. Yeah.","start_word":2982,"end_word":3014,"intents":[{"intent":"Assess investment options","confidence_score":0.013530363}]},{"text":"So when we look at updating the advice, I I know Wendy came on board originally. The advice document will sort of show you what the expectation was right up into age 67, but because there are so many factors at place, so many things in your life that can change, and being as you are only 38 this year sorry. I'd be looking to update the advice and maybe look at the next ten years and just keep updating things to keep you on track along the way.","start_word":3330,"end_word":3418,"intents":[{"intent":"Update advice","confidence_score":0.8433251}]},{"text":"I don't really like the idea of showing you, you know, the next thirty years of what the market reaction expectations might be like because there's too many variables that can change in that instance. So we'll start with something smaller. We'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track. Does that sound okay? Yeah.","start_word":3418,"end_word":3482,"intents":[{"intent":"Monitor market reaction","confidence_score":0.013688241}]},{"text":"We'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track. Does that sound okay? Yeah.","start_word":3459,"end_word":3482,"intents":[{"intent":"Maintain monitoring","confidence_score":0.01566252}]},{"text":"what tomorrow will bring?","start_word":3532,"end_word":3535,"intents":[{"intent":"Assess future aims","confidence_score":0.000003903164},{"intent":"Evaluate future plans","confidence_score":0.034745876},{"intent":"Understand future interest","confidence_score":0.000025369518}]},{"text":"Not a problem. I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time.","start_word":3539,"end_word":3564,"intents":[{"intent":"Determine fuel availability","confidence_score":0.23969382}]},{"text":"Not a problem. I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time. So so I'm ringing I'm ringing around to see who's got a horse so I can start riding. Oh, dear.","start_word":3539,"end_word":3584,"intents":[{"intent":"Evaluate vehicle availability","confidence_score":0.0010646565}]},{"text":"Like anything, it is concerning to see investments drop, but Yeah. what do you do?","start_word":3746,"end_word":3760,"intents":[{"intent":"Understand investment dynamics","confidence_score":0.00063834933}]},{"text":"And the last one here is have you ever thought about taking a loan? Have you ever considered borrowing funds in order to invest in shares or managed funds, or do you think that's probably a bit too risky?","start_word":4098,"end_word":4136,"intents":[{"intent":"Explore loan options","confidence_score":0.027255654}]},{"text":"But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on it. Yeah.","start_word":4405,"end_word":4432,"intents":[{"intent":"Evaluate portfolio risk","confidence_score":0.0054999134}]},{"text":"Well, I'm looking at the the portfolio you're in, and everything has been performing really well.","start_word":4735,"end_word":4750,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.0031719734},{"intent":"Evaluate portfolio performance","confidence_score":0.08465723}]},{"text":"Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing.","start_word":4795,"end_word":4813,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.07481791}]},{"text":"And then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you.","start_word":5163,"end_word":5194,"intents":[{"intent":"Show portfolio recommendations","confidence_score":0.053472303}]},{"text":"One of your goals moving forward was trying to reduce the mortgage as much as possible. You're hoping to reduce it by at least 50 k.","start_word":5223,"end_word":5248,"intents":[{"intent":"Reduce mortgage","confidence_score":0.8599731}]},{"text":"I think there's a rate rise coming, which won't help, but I hope not. We've already have one. yeah.","start_word":5285,"end_word":5303,"intents":[{"intent":"Calculate rate increases","confidence_score":0.00023735849}]},{"text":"They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right. We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out there. Yeah.","start_word":5357,"end_word":5432,"intents":[{"intent":"Determine rba decision","confidence_score":0.0011302674}]},{"text":"Well, I can go back and have a really good look, and I'll take the advice there for you. Just having a quick look, did you want me to book in a time now to maybe come back and have that presented? It'll take me probably about sort of two to three weeks to get everything sorted for you. Is there a day that sort of suits you best to kinda go through the updated advice document?","start_word":5671,"end_word":5747,"intents":[{"intent":"Book and summarize advice","confidence_score":0.000044542652}]},{"text":"So if I do it maybe Wednesday, April 1, I'm just having a quick look at the time. So we are still on daylight savings time there for you at the moment because it lands on the April 5. So That'd I be could three do the thirty same. or a turn on and 04:30 out. Yeah. Yeah.","start_word":5874,"end_word":5931,"intents":[{"intent":"Plan planning","confidence_score":0.000053961114}]},{"text":"If not, gold and silver investing in gold and silver physical gold and silver isn't as volatile as what the stock market is. Yeah.","start_word":6281,"end_word":6304,"intents":[{"intent":"Evaluate gold and silver investing","confidence_score":0.059267398}]},{"text":"The only other thing I probably will also just wanted to double check with you just for the insurance side of things. I know with your annual review, that's Samantha would have gone through. Just so I had a bit of a chat about the level of insurances you do have there with your life, your TPD, and your income protection cover. Are you happy with the amounts you have?","start_word":6736,"end_word":6805,"intents":[{"intent":"Review insurance coverage","confidence_score":0.22446829}]},{"text":"benefit based on the income I have here shows you're over insured just a little bit there, but having that amount does mean if you get a pay rise, you might be able to claim more depending on the income, you know, at the time of disability. But Yep.","start_word":6969,"end_word":7017,"intents":[{"intent":"Calculate benefit amounts","confidence_score":0.0028026907}]},{"text":"I can see here that you don't have any trauma. Has anyone ever spoken to you about what trauma cover is and how that works at all?","start_word":7311,"end_word":7337,"intents":[{"intent":"Discuss trauma cover requirements","confidence_score":0.000045591005}]},{"text":"Did Samantha sort of have a chat to you about the beneficiary side of things and who you would want to have nominated in the event of passing away at all? Yeah.","start_word":7787,"end_word":7818,"intents":[{"intent":"Verify beneficiary information","confidence_score":0.011291188}]},{"text":"It is really important to let your spouse know that you do have life insurance. You don't have to let them know how much it is, but just letting them know that we are your advisers.","start_word":8222,"end_word":8257,"intents":[{"intent":"Inform spouse about life insurance coverage","confidence_score":0.001772453}]},{"text":"So it is a set and covered by the same legislations as an as any other super fund out there.","start_word":8813,"end_word":8832,"intents":[{"intent":"Clarify legislation coverage","confidence_score":0.038439058}]},{"text":"they are investing money in big pools of money with investment managers the same way we are. The more the difference here is you have more clarity and more investments to choose from. It's more of a a lot more access to investments to be able to build your investments and have them working in Ultra and change them.","start_word":9195,"end_word":9253,"intents":[{"intent":"Organize investments","confidence_score":0.000060533614}]},{"text":"But as I said, I'm happy to as long as obviously, like, if if one of the investments really does take a bit of a hit, is that Yeah. you guys would obviously look at it as popping out or riding it out until if if you know it's not gonna be coming back, you obviously be popping out of it. But if you Yeah.","start_word":9504,"end_word":9568,"intents":[{"intent":"Discuss investment options","confidence_score":0.31077075}]}]},"sentiments":{"segments":[{"text":"Hello. Ray speaking. Hi, Reese. It's Dana from Oku Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.14529374241828918},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.49111661314964294},{"text":"And yourself?","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.32504042983055115},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":19,"end_word":26,"sentiment":"positive","sentiment_score":0.5960281491279602},{"text":"I had you booked in today to have a bit of a catch up. You were lot wanting to look at having a bit more maybe silver and gold in your portfolio. Is that right? Yeah. It was I think yeah. Definitely. I was more interested in the silver and the gold side of things. That's physical Yep. silver and gold. Yeah. Yeah. Absolutely. Sure is. Yeah. Is now still a good time for a bit of a cashier to have a chat about it? That's fine. I have plenty of Yeah. time.","start_word":27,"end_word":119,"sentiment":"neutral","sentiment_score":0.1029302179813385},{"text":"Fantastic.","start_word":120,"end_word":120,"sentiment":"positive","sentiment_score":0.3743436932563782},{"text":"Aaron. Oh, Reese, before we jump sorry. You're alright. So I've got an Aaron for thirty minutes. I'm sorry. He's took the best Oh, wow. time Absolutely. to No. talk Before we jump into the to call, just to let you know we do record me. our calls for quality and training purposes. Are you happy for me to proceed with that? Sure. Fantastic. And just to do security there with you, just to confirm your full name, date of birth, and address I should have on file? Alright, Sarah. It's the 9th to twelfth on in Antioch. It should be 7 Saint Mary Drive. It's okay.","start_word":121,"end_word":227,"sentiment":"neutral","sentiment_score":0.06172839924693107},{"text":"Beautiful. Thank you so much for that.","start_word":228,"end_word":234,"sentiment":"positive","sentiment_score":0.4977247416973114},{"text":"So having a look at things, I've got your portfolio here in front of me. I know you did speak to Samantha about your annual review, and you mentioned you wanted to increase having a bit of physical gold and a bit of silver in there. With regard to your portfolio at the moment, you do have a bit of physical gold. You do have about 17% there. Are you just wanting to sort of look at maybe keeping the same amount of gold and adding a bit of silver in there and seeing what it can do for your portfolio, or you're kind of wanting to try and Oh, it's just interesting because over the last couple of years, gold and silver have both gone up quite rapidly. Physical gold Mhmm. and silver have gone up quite rapidly. And Yeah. it was something where if it drops in price, it doesn't drop by a lot, and it's a currency that is physical essentially. Like, it's everywhere in the world. So because that's essentially buying bullion, isn't it? Yes. So with the investments that we invest in with regards to gold and silver there, you are essentially buying into, like, we have what was it? Global x Physical Gold. So they hold gold gold bullion, and that is Yeah. stored in, like, the essentially a bank within The U UK. Sorry. So you are buying into an investment that actually holds gold and silver as a physical item. In Yep. saying that gold and silver are both technically growth investments, so you are taking a bit more risk by having those. They do tend to get a lot of growth than they have done over the past. In saying that gold did in February drop about between 11 to 18% in one day as well. So while it has seen those good growth times, it can drop very heavily in the shorter periods of time. There's no income production out of them as well, so they're solely a growth asset. They don't sort of give any income that can be recompounded there. So there is definitely a place in the portfolio for both of those assets. They can work defensively at certain times as well where we're sort of seeing at the moment and have seen in the past by with markets going up and down when equities aren't, you know, performing as well or having a bit of a hard time, people tend to move money into those sorts of resources as a bit of a safe haven. So they both can work quite defensively in that nature as well. But if you wanted to, I could look at maybe structuring the portfolio, looking at you know, keeping your weighting about right, but maybe adding a bit of silver in there for you to see if we can, you know, what it might look like and how it might help you. So are you open to me just sort of looking at the options and maybe making a recommendation then? Yeah. It wouldn't hurt. The reason I say Yep. silver is because silver is because the way that the world's going with info, everything's becoming data. Silver's required in a lot of it. So the value Yeah. of silver has gone up.","start_word":235,"end_word":787,"sentiment":"neutral","sentiment_score":0.06019046412238592},{"text":"I have noticed that it has gone up quite a bit.","start_word":788,"end_word":798,"sentiment":"positive","sentiment_score":0.3617897033691406},{"text":"It's not ridiculously Yeah. pricey, but it has gone up from you know, you had a $10.","start_word":799,"end_word":815,"sentiment":"neutral","sentiment_score":0.26857519149780273},{"text":"20 dollar growth over a year. It's pretty good for something that's silver.","start_word":815,"end_word":827,"sentiment":"positive","sentiment_score":0.5627051591873169},{"text":"I think it's actually had a bit more, but because I do watch I watch I have got trending on gold and silver prices. That's why I'm gonna look at buying it outside myself as well as the physical buying physical gold, like my own bullion that Yep. I'll store as well. But so you don't have anywhere in Australia that you buy it through, you invested in, or is that not No. really a So thing? we're within your sofa, we can only purchase, like, into ETFs, Yeah. but I can have a look at a few options and maybe send you an email for purchasing it, like, out by the super and how you would have to do that. I as far as I'm away, just walking and buy it. Yeah. Yeah. You'd It. Because need to make I sure I you're was storing it correctly as well. So making sure it's stored securely. yeah. Well, that's the thing. The place I have looked at buying physical is you buy storage there as well. Yeah. So Okay. you buy Perfect. through them So and they I'll store store it it. all. Because I was I was thinking about whether I would, like, take out super to buy gold myself with because of the light sort of been trending. But I yeah. I'm not I'm always hesitant to do that kind of stuff because super sort Mhmm. of that's your retirement fund. But Correct. Yeah. And you we can't actually withdraw money from super to be able to purchase investments like that in your own name until you kinda hit that preservation agent turn 60 and stop and retire permanently. The only other way you'd be able to do that is to set up a self managed super fund. But in that Yeah. way, you need to make sure it's an arm's length transaction to have it, you know, follow the directions that you are still in the super system. It's just that it's a more costly way of being able to buy it. So Yeah. That's that what makes I was different unsure funds a lot about.","start_word":828,"end_word":1186,"sentiment":"neutral","sentiment_score":0.038942692588630826},{"text":"more So risky.","start_word":1187,"end_word":1189,"sentiment":"negative","sentiment_score":-0.4174099862575531},{"text":"Yeah.","start_word":1190,"end_word":1190,"sentiment":"neutral","sentiment_score":-0.27003681659698486},{"text":"I've seen a lot of people do self manage, and, recently, a lot of self managed ones took quite a hit with the way the economy is going.","start_word":1191,"end_word":1218,"sentiment":"negative","sentiment_score":-0.4762859344482422},{"text":"Yes. Yeah. Correct.","start_word":1219,"end_word":1221,"sentiment":"neutral","sentiment_score":-0.05554580315947533},{"text":"And they're a So lot more expensive as well, and you take a little bit more risk in regards that.","start_word":1222,"end_word":1241,"sentiment":"negative","sentiment_score":-0.3374103605747223},{"text":"So with the way your super structured at the moment, in hub twenty four, hub twenty four are the trustee. They look after majority of things, and they do the tax returns and things like that for you, have the orders complete completed on your super Yes. fund. Whereas if you're under a super fund, you become the trustee in whatever structure you choose to open it in, which means that you're ultimately responsible for following the rules, making sure your tax returns are done, getting the fund audited on a regular basis.","start_word":1242,"end_word":1334,"sentiment":"neutral","sentiment_score":0.04997365176677704},{"text":"It's a lot more work and a lot more costly.","start_word":1335,"end_word":1344,"sentiment":"negative","sentiment_score":-0.4041314125061035},{"text":"So having purchasing a bit of gold or silver in your own name is absolutely fine. Just maybe finding the funds elsewhere to do that.","start_word":1345,"end_word":1369,"sentiment":"neutral","sentiment_score":0.13406400382518768},{"text":"But, yeah, like, within WindSuper, I'm happy to maybe add a little bit silver in there.","start_word":1370,"end_word":1385,"sentiment":"positive","sentiment_score":0.3992195427417755},{"text":"I am looking at your other investment here, the Bannalong Australian Equities. I know when you spoke to Samantha, she kinda did your annual review and ran you through what was happening there. Bannalong, your Australian equity portion is down pretty heavily at the moment. And as a business, we have kind of reviewed that investment option and have Yeah. decided to remove that out of the portfolio. So if you like, I could go back, maybe readjust the portfolio, look at adding a bit of physical silver in there for you. I can look at whether holding the right same amount of gold is gonna be suitable. I'd rather not try to sort of sell that if we don't have to. Yep. And then we can look at maybe replacing the Ben along Australian equities as well and maybe utilizing the loss that it has been to offset any gains or change in the investment structure. Does that sound like something you're looking to me doing? Yeah.","start_word":1386,"end_word":1553,"sentiment":"neutral","sentiment_score":0.013018555818624529},{"text":"Whatever makes it great.","start_word":1554,"end_word":1557,"sentiment":"positive","sentiment_score":0.3685464859008789},{"text":"Yep. I'm happy to lose the ones that aren't performing. Yeah. Yeah. Well, that's definitely why we wanna sort of move that. Unfortunately, in the last few months, one of the underlyings within Bennelong hasn't been performing correctly or doing as well.","start_word":1558,"end_word":1599,"sentiment":"neutral","sentiment_score":-0.029476115480065342},{"text":"Unfortunately, Bennelong haven't also taken the steps to reevaluate their underlying investments very much. So as an actively managed fund, it's not very actively managed and has unfortunately been underperforming.","start_word":1600,"end_word":1629,"sentiment":"negative","sentiment_score":-0.37075433135032654},{"text":"So we do wanna take the steps to remove that out of everyone's portfolio and put something in its place that hasn't underperformed the way it has. We are sort of removing the active managed funds and looking at something more passively managed, a bit more low cost in your super as well because reducing fees is always a big part of it. Yeah. But if you like, I can go back. I can look at the removing banner long, look at what to put in this place, make sure that the performance has been there to kinda show what it can do moving forward for you, add a bit of silver in there for you and sort of keep maybe look at doing a rebalance on your super as well to make sure you are invested in line with things correctly. Yeah. That's fine. As As long as, like, you guys obviously well, you do this for a living, so you're gonna know more about it than what I will. Absolutely. If you can Just wanna make you're right. I just wanna yeah. make sure that you are kind of also invested there correctly. So you do have a good amount of gold in there at the moment. So I can look at whether keeping some of that in there and retaining that level. There is a limit on how much of physical gold and silver because they are technically alternative assets. So Hub 24 does have a maximum limit that you can have in there. So Yep. I can have a look at how best to structure it, making sure that you're not, you know, overexposing to risk at the same time. And I'll come back with an advice document if you like that shows you what we're recommending, how and why, how it affects you, what the tax consequences might be on your super fund, and then you get to decide whether you take it on board. Does that sound okay with you? Yeah. I can't say why not. Yep. That's As I said, okay. you guys know what you're doing. I'm just gonna look at it Yeah. and go, okay. But as long as it's performing. If it's not performing, then I'm gonna be questioning things. Yeah. Of course. Understandable. And that's the other thing I sorta wanted to look at with you is because we know investment markets are gonna go up and down. There's not gonna be you know, there are gonna be points where maybe some of the investments aren't performing, and it's not because of the investment itself. It's more because of the market as a whole. And, like, if your Yeah. superhero isn't performing, it's gonna be because the market as a whole isn't performing correctly, and that's gonna be something outside of our control. So it's about making sure you're invested throughout those downtimes that you're able to go through those points where the market might not be working very well, where investors are drawing large sums of money out, so you're seeing a downtime. Taking advantage of those downtimes as well, allowing your contributions to keep going in so that you're buying into those discounted rates. They always say buy low, sell high. Well, when the markets are down, that's your chance to buy in low. So keeping your contributions going into those downtimes, you buy into the investments at the discounted rate.","start_word":1630,"end_word":2203,"sentiment":"neutral","sentiment_score":0.05850017697709363},{"text":"And as the market comes out, as your portfolio recovers from those downtimes, you actually make a lot more in the way of gains because you you've lowered your buy in price to those investments, and you can actually get greater growth by doing that.","start_word":2204,"end_word":2248,"sentiment":"positive","sentiment_score":0.5523245930671692},{"text":"So what I probably wanna have a look at doing is just sort of checking to make sure you are invested in the right portfolio as well. I'm just having a look to see what investment portfolio you're in at the moment. Sorry. Won't be one second. My computer's a little bit slow again this afternoon. Probably Tuesday. It shouldn't be having any issues at all. I work it hard. I tell you what. Technology can be fun when it wants It's right in the to work. I'm just gonna have a look here at your last advice document. It looks like we haven't kinda made any changes since that one was provided.","start_word":2249,"end_word":2361,"sentiment":"neutral","sentiment_score":0.010755784809589386},{"text":"nice.","start_word":2362,"end_word":2362,"sentiment":"positive","sentiment_score":0.3677656054496765},{"text":"So that was back in 2023 there.","start_word":2363,"end_word":2369,"sentiment":"neutral","sentiment_score":0.1918073147535324},{"text":"Yeah. It's been giving a pretty good return. Anything above 7% is pretty good annually.","start_word":2370,"end_word":2384,"sentiment":"positive","sentiment_score":0.568073034286499},{"text":"Yeah. Yeah. No. It absolutely has.","start_word":2385,"end_word":2390,"sentiment":"neutral","sentiment_score":0.23868370056152344},{"text":"You've done really well. We just wanna make sure it kinda keeps working really well.","start_word":2391,"end_word":2405,"sentiment":"positive","sentiment_score":0.4461386203765869},{"text":"And with what's happening at the moment, there is an expectation of volatility, so Yeah. we are Yeah. gonna I always see those ups and downs. Yeah. all the shit going on around the the crazy world at the moment, but markets are all Yeah. over the shop. I got my Yeah. that are investors, and they they took a hit with some things because of what America did and then other things to the market, and then, obviously, the way the economy is going, everything affects it some way or another. Yes. Absolutely. Most definitely. And one of the biggest things to remember is when it comes to investments, the biggest effect the biggest factor affecting it is human emotion. So when you're seeing lots of people pulling money out and drawing, it's because they've heard something that's making them feel emotional about what's gonna happen, and they're technically causing the downtime. They're starting to sell out or to jump out of a certain investment, which is then the on flow effect. Other people see it dropping, and they wanna move money as well. So that's essentially, human emotion is the biggest factor to rely on when we are looking at investment markets and the way they go. The biggest thing we can do, and it's the hardest thing, is to remove that emotion and remember that what you're invested in has been around for a long time. It has seen those ups and downs, and we'll continue to withstand those ups and downs as long as you're comfortable with staying through those down times and not selling emotionally. And that can be the hardest thing is removing that emotion and thinking logically about the investments and what you're invested in.","start_word":2406,"end_word":2697,"sentiment":"neutral","sentiment_score":-0.19604457695394345},{"text":"But if you can do that, you can benefit greatly from from the ups and the downtime.","start_word":2698,"end_word":2714,"sentiment":"positive","sentiment_score":0.4578385055065155},{"text":"That's true. Because I have Yeah. I have at one point, I was I'm was on the process of getting into investing myself personally. Mhmm. But I rather than invest straight away, I actually just selected a handful of ETFs to follow and just monitored them for probably about six months to see whether I actually wanted to or not. Yep. See how they performed, how they did. There's a couple that have been around for years, and there's a couple that are sort of starting up. And it was interesting to see look. The growth wasn't great on them, but that's you know, six months growth isn't really gonna be crazy. But you could say that there'd be a day where it's in the positive and then the day in the negative and just back and forth. And it's just a good to see the market works that way. But and, like, I still haven't really invested in anything, but it's on the process. Yeah. I Yeah. just like watching No. them That's together. okay. Well, you've done well with you. And watching it can be one of the biggest emotional things. I've got, you know, friends and and clients who look at things on a regular basis, and they get really nervous when they see things dropping or going down, and it can be quite nerve wracking. So the best thing is to not look at it every day. Maybe look at it once every couple of weeks or every couple of months and just kind of be comfortable with what you're investing in.","start_word":2715,"end_word":2980,"sentiment":"neutral","sentiment_score":0.05113174393773079},{"text":"But, also, just not investing anything that has that's too risky, too speculative, that hasn't been around for a long time and got a track record as well, if that makes sense.","start_word":2981,"end_word":3012,"sentiment":"negative","sentiment_score":-0.3457515239715576},{"text":"Yeah. That's what I noticed. We'd like oh, you got your the EFS, I was mostly looking at a fairly safe so the BlackRock and there's another one in that company, the other company. And that BlackRock's been there for years. Yep.","start_word":3013,"end_word":3054,"sentiment":"neutral","sentiment_score":0.04963112249970436},{"text":"So it's, like, it's pretty Absolutely. solid investment.","start_word":3055,"end_word":3062,"sentiment":"positive","sentiment_score":0.36819133162498474},{"text":"Yeah. So but Absolutely. it is it's not because Yeah. Yeah. Well, I do actually, I do look at my statements as well just to see how how the shares are tracking and how my super is going, but well Yeah. aware that, you know, it has highs and lows. And you might turn it on one day and it's down, and the next week, you look at it and it's up. So Can that's be a just bit of how an emotional I roller coaster at times. as long as when I retire, the money's out.","start_word":3063,"end_word":3159,"sentiment":"neutral","sentiment_score":-0.10838620364665984},{"text":"I don't give a shit how I get there.","start_word":3160,"end_word":3168,"sentiment":"negative","sentiment_score":-0.3706171810626984},{"text":"Yeah. No. That's completely understandable. That's all good. Well, I'll definitely work hard at trying to help you get to that point, making sure we do our reviews and catch ups and making sure that we Yep. give you those updates so you can be on track. Having a look at things now, you're 38 this year. Do you know what age I know I had here when you came on board originally, you were hoping to maybe access super at about age 67. Is that kinda still your goal, age, or do you think you'd wanna access it earlier at this point? Look. I don't know, to be honest. Like, I'm That's okay. retiring. I I look. I get crazy if I retired. I just have to work. So I hear you. I hear you. No. That's okay. That's not a problem, Adele. Look. At the moment, what I'd be doing is updating things on a regular basis anyway. So when we look at updating the advice, I I know Wendy came on board originally. The advice document will sort of show you what the expectation was right up into age 67, but because there are so many factors at place, so many things in your life that can change, and being as you are only 38 this year sorry. I'd be looking to update the advice and maybe look at the next ten years and just keep updating things to keep you on track along the way. I don't really like the idea of showing you, you know, the next thirty years of what the market reaction expectations might be like because there's too many variables that can change in that instance. So we'll start with something smaller. We'll keep tracking things on a regular basis, updating things as we go to kinda keep you on track. Does that sound okay? Yeah.","start_word":3169,"end_word":3482,"sentiment":"neutral","sentiment_score":0.0029404017196339406},{"text":"That sounds great. I have no issue with that. Beautiful.","start_word":3483,"end_word":3492,"sentiment":"positive","sentiment_score":0.419623464345932},{"text":"Yeah. Thirty thirty years is too long. That's if you're gonna tell me what it is in thirty years, I'll be like, sure. When I get there and I see it, that's that'll be fine, but who knows Absolutely. what tomorrow will bring? Absolutely. Absolutely. No. Not a problem. I think we're all just hoping to have fuel in the country in the next thirty odd days at this point in time. So so I'm ringing I'm ringing around to see who's got a horse so I can start riding. Oh, dear. I actually said to my husband, I've got a our son's old scooter out in the backyard. He can learn the scooter to work. Yeah. I don't think I've got an electric scooter at home, but say next next week or two will tell us. The oil Yeah. that's one of the lowest home markets at the moment, the oil market. Absolutely. No. Definitely. The next thing I kinda wanna just just sorta gauge on for you is I know you sorta said you're not overly sorta stressed about things. You have a longer time horizon ahead of you. But when you do sort of see your super balance fall due to, you know, external market factors, does it sort of worry you in any way? Are you feeling a bit concerned, or you're sort of not worried knowing that you do have a, you know, until 60 ahead of you before you're able to access sleep at this point? Look. Like anything, it is concerning to see investments drop, but Yeah. what do you do? Yeah. Like like well, at the end of the day, I know that, like, at least I'm not sitting in Seabass, which wasn't really going anywhere in that way apart from Mhmm. unless I put input. And then you guys are looking after it. So Yeah. having the knowledge of knowing that you guys will alter things if the market isn't Yeah. looking good or certain Yeah. investments aren't working probably means that I'm more comfortable knowing that if there's a drop in it that it will recover. Yep. Yep.","start_word":3493,"end_word":3850,"sentiment":"neutral","sentiment_score":-0.10053042505539996},{"text":"Perfect. Perfect.","start_word":3851,"end_word":3852,"sentiment":"positive","sentiment_score":0.4404934346675873},{"text":"Do you think when it comes to sort of market jobs, you'd be more inclined to sort of hold and wait, less inclined to make emotional decisions, and maybe more comfortable calling us? Or do you think you'd be looking at there's a buying opportunity and trying to put more money in? How do you think drops might sort of make you feel or start to react? Providing that they're gonna come back, it's hard how well I don't have the insight to tell without a doubt to sit there and go, well, that's dropped x amount, but it will rebound. Yep. Yeah. But if it is willing if it is gonna rate like, if you say something and you're like, oh, it's dropped, but there's a big chance that this will bounce back, it's worth putting into, then that's on you guys to You really do do so? Yeah. more Yep. than me. Like, I, I I wouldn't be yeah, able to sit there and look at it and go, hey. I noticed this has dropped. Is it worth putting more into it? Whereas you guys would be like, oh, this has dropped. It yeah, will yeah, probably rebound. Let's buy. Yep. Yeah.","start_word":3853,"end_word":4056,"sentiment":"neutral","sentiment_score":-0.04417505860328674},{"text":"Perfect.","start_word":4057,"end_word":4057,"sentiment":"positive","sentiment_score":0.33777064085006714},{"text":"So you'd be looking for more guidance on how to react in those scenarios. Yeah. Yeah.","start_word":4058,"end_word":4073,"sentiment":"neutral","sentiment_score":0.021701373159885406},{"text":"Perfect. Definitely.","start_word":4074,"end_word":4075,"sentiment":"positive","sentiment_score":0.473469078540802},{"text":"Look. All I'm good. not And stressed have about you it. yeah. No. That's okay.","start_word":4076,"end_word":4090,"sentiment":"neutral","sentiment_score":0.11897993832826614},{"text":"That's perfect. It's a really good reaction.","start_word":4091,"end_word":4097,"sentiment":"positive","sentiment_score":0.62689208984375},{"text":"And the last one here is have you ever thought about taking a loan? Have you ever considered borrowing funds in order to invest in shares or managed funds, or do you think that's probably a bit too risky? That's that for me would be playing with Fire. And I think Yep. me playing with Fire is safer than that, to be honest with Yeah. you. Yeah. Perfect. Do Alright. you Look. have any If if you're right. Sorry. if I if I'm if I was confident enough to know that because the problem is regardless of the loans, at some point, you're gonna have losses, and that's when you start stressing about repayments. And I don't have I know that I don't have the cash flow to look after, facilitate those loans, Yep. so I wouldn't do it. Even Yep. though the the reward could be greater in a year or two, it's not worth the risk currently in the stitch Yep. in the way the economy is Yeah. the way I look No. at it. That's that's a that's a good way to look at it.","start_word":4098,"end_word":4285,"sentiment":"neutral","sentiment_score":-0.12127599120140076},{"text":"That's perfect.","start_word":4286,"end_word":4287,"sentiment":"positive","sentiment_score":0.4409339427947998},{"text":"And do you have any goals to buy investment properties in the future, or are you happy just sort of trying to pay down your current mortgage as much as possible? What's your other goals moving forward? Probably paying the mortgage off is the main one. I couldn't Yeah. I'd like to buy investment properties, but it wouldn't be in Australia. Okay. Like well, Perfect. not Victoria anyway. It's ridiculous. You buy and you get taxed through the roof. Yeah. Yeah. Mate, like, I look. I if it's a possibility and there's a good return from it, I'm sure. Mhmm. Some people do it with their super and they do really well on it. Yeah. Yeah.","start_word":4288,"end_word":4403,"sentiment":"neutral","sentiment_score":0.03414468467235565},{"text":"But, again, but that's high high risk in the way I say it because you could either do really well or you end up losing on it.","start_word":4404,"end_word":4430,"sentiment":"negative","sentiment_score":-0.3776012659072876},{"text":"Yeah. Yeah. Perfect. No.","start_word":4431,"end_word":4434,"sentiment":"neutral","sentiment_score":0.1158878281712532},{"text":"Excellent.","start_word":4435,"end_word":4435,"sentiment":"positive","sentiment_score":0.4090083837509155},{"text":"Well, I've just sort of done the risk profile questionnaire with you to kinda gauge where your risk level is sitting, where your tolerance is, and what sort of portfolio you should be in. Essentially, having a look at that, you actually have scored there as a growth investor, and you are in kind of that growth environment at the moment. So you generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed properties, and commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest there. The growth environment suits someone who has at least six years to be invested. They're not wanting to access their money for about six years at a minimum. You're averaging or trying to get the expected average returns of about seven to 9% on a yearly basis compounding. And with this sort of portfolio, the likelihood of a negative return is expected sort of one in every five years. Do you feel like this sort of environment sort of suits you realistically from everything you've told me? The growth portfolio still suits your risk capacity quite comfortably, but are you comfortable remaining in that sort of portfolio? Yeah. I think it's it's doing really I say it's doing alright for what it is. Yeah. Like, Absolutely. as you said, like, it's gonna take a hit. Like, this year, we'll probably take a hit on it. Next year, you'll have growth, and that's just how the world works. Yeah. Yep. That's perfect. So, like, yeah, it's just market's fluctuate. I'm like, that's my understanding of it. And, you know, you gotta be in it to win it partially as well. So Abs absolutely. Well, I'm looking at the the portfolio you're in, and everything has been performing really well. So when I look at how all the individual investments have been performing, everything is up except for that ban along there. So as it is a business decision to kinda remove that it is underperforming, it's time to get that out of there.","start_word":4436,"end_word":4794,"sentiment":"neutral","sentiment_score":-0.039441895341723744},{"text":"Everything else in your portfolio has been working really nicely even in the volatile times that we are seeing. And I've had a really good look around at what we're sort of expecting.","start_word":4795,"end_word":4827,"sentiment":"positive","sentiment_score":0.555530846118927},{"text":"So one of the good ways to sort of understand and look at whether, you know, what we're expecting around about volatility is looking at the VIX index that kind of looks at the markets, how things are reacting, but sort of tracks and shows are we expecting, you know, over the next sort of thirty odd days or so, volatile times around of the S and P 500. Because most things follow suit in The US market. And that has sort of been over about 20% for the last sort of five to six days that I can see here, which kinda shows that we are expecting that volatility within the markets over the next month. The VIX index goes up pretty heavily on a regular basis, and it's it's gone up and been fluctuating pretty drastically. But, generally, when the VIX index shows you less than 20%, it's sort of showing that the market's expected to be fairly stable, whereas anything over 20% is showing that it's expecting volatility within the market there. So this has been showing over the 20% for at least the last five to six days, and I kind of look at that every now, see what it is doing. So we do expect those volatile times to stay. But in saying that this growth portfolio suits where you're at, it suits your time horizon. We can take advantage of those downtimes. And whilst we wanna get rid of that along at the moment, we can look at rebalancing your portfolio. We can look at adding a bit of silver in there, and we can also just look at, you know, offsetting any capital gains within the fund by the fact that Bennelong is down a little bit there.","start_word":4828,"end_word":5122,"sentiment":"neutral","sentiment_score":0.1565694659948349},{"text":"So we can utilize that to our advantage.","start_word":5123,"end_word":5130,"sentiment":"positive","sentiment_score":0.40427520871162415},{"text":"And if you're comfortable, I'll go back and do the research for you. I'll update the recommendations, adding a bills adding a bit of silver for you as per your preference. And then I can come back and show you what that looks like, the recommendation, the portfolio we're recommending, how and why, the advantages, disadvantages, and the risks involved there for you. How does that sound, Rhys?","start_word":5131,"end_word":5198,"sentiment":"neutral","sentiment_score":0.19733718464917996},{"text":"Sounds good.","start_word":5199,"end_word":5200,"sentiment":"positive","sentiment_score":0.4809439778327942},{"text":"Yep.","start_word":5201,"end_word":5201,"sentiment":"neutral","sentiment_score":0.2761257290840149},{"text":"Perfect. All good.","start_word":5202,"end_word":5204,"sentiment":"positive","sentiment_score":0.5593861937522888},{"text":"Is there any sort of changes? I know Samantha did a bit of a review there with you. One of your goals moving forward was trying to reduce the mortgage as much as possible. You're hoping to reduce it by at least 50 k. Is there any kind of time horizon you're looking to try and reduce your mortgage by, or is it just trying to pay it down as quickly as possible? I doubt it. Whatever rate we can.","start_word":5205,"end_word":5284,"sentiment":"neutral","sentiment_score":0.0259977038949728},{"text":"I think there's a rate rise coming, which won't help, but I hope not.","start_word":5285,"end_word":5298,"sentiment":"negative","sentiment_score":-0.3529949188232422},{"text":"We've already have one. yeah. I think there's another one too just from what I've got from what I've read. Yeah. Yeah. I know. I've looked at what they're saying as well. The it's it's funny. It's everything's very subjective. And when you sort of look and talk to the different economists, they sort of say different things. They're all looking at different indicators there, but I think the only way of knowing what's gonna happen is to wait for the RBA's decision because we can you know, we've tried every which way to kind of guess what they're gonna do, and they we sometimes get it right. We sometimes get it very wrong, but I do I think this year, we are gonna see at least one more rate rise out there. Yeah. They have to do it. Unfortunately, just to try and combat everything. Well, let's Absolutely. Absolutely. they're out. Yeah. There are other things that, unfortunately, with everything that's going on at the moment, I think there'll be one coming. Absolutely. But I that do doesn't agree with you. that doesn't worry. I was talking about whether I'd lock into a fixed contract, but that's essentially, what you're locking to fix for your home loan is what the rate laws will go to anyway, so you don't really win out of it. Yeah. No. That's okay. That's not an issue. I sort of like the variable as much as the rate go up and down. Having a variable contract allows you to pay extra under the mortgage. And if you are putting extra in there and utilizing your offset to the full advantage, the rate rises have less of an impact on your on your on your mortgage and your and your and your repayment. Sorry. Yeah. We noticed that when they went we were on 2% for ages and then that they jacked up to five during COVID because of the lockdown and all the shit that Victorian government basically crippled Australia with.","start_word":5299,"end_word":5635,"sentiment":"neutral","sentiment_score":-0.04695656762986226},{"text":"And then we came off, and we're like, oh, we're panicking a little bit, and actually, I thought it was bad as what it's gonna be.","start_word":5636,"end_word":5661,"sentiment":"negative","sentiment_score":-0.4400901794433594},{"text":"Sorry. Yeah. Yeah. No. It's all good. No. Perfect.","start_word":5662,"end_word":5670,"sentiment":"neutral","sentiment_score":0.04408719763159752},{"text":"Well, I can go back and have a really good look, and I'll take the advice there for you.","start_word":5671,"end_word":5689,"sentiment":"positive","sentiment_score":0.4945658445358277},{"text":"Just having a quick look, did you want me to book in a time now to maybe come back and have that presented? It'll take me probably about sort of two to three weeks to get everything sorted for you. Is there a day that sort of suits you best to kinda go through the updated advice document? Yeah. Anytime after 04:30, Monday to Friday. Yep. That's okay. What if we look at the April 1? So it's in about two weeks. And I can That's book it in the for sorry. You're right? is that is that the Easter weekend? That is it's the Wednesday before Easter. Before yeah. That will be fine. If not, I could do it the week after. I'm away for a No. week No. from the sixth to the tenth. That's all. So I could do it The the following I don't week, know. The which is the week before that's works okay? fine. The week before because Yeah. the week after Easter, I'm I'm at the hotel prior for a few days. Okay. Yep. Perfect. Yep. So if I do it maybe Wednesday, April 1, I'm just having a quick look at the time. So we are still on daylight savings time there for you at the moment because it lands on the April 5. So That'd I be could three do the thirty same. or a turn on and 04:30 out. Yeah. Yeah. Does that work for Yeah. you? Works for me. Yeah. That's when I'm usually driving home, so it's best time Yep. to get ahold of me.","start_word":5690,"end_word":5956,"sentiment":"neutral","sentiment_score":0.04711415346586303},{"text":"Perfect. Not a problem at all. I'll pop that one in there for you, Rachel.","start_word":5957,"end_word":5971,"sentiment":"positive","sentiment_score":0.41664958000183105},{"text":"I have a little text message Oh, reminder buddy. as well. I'll Yep.","start_word":5972,"end_word":5984,"sentiment":"neutral","sentiment_score":0.20507676899433136},{"text":"get cracking on that research there for you.","start_word":5985,"end_word":5992,"sentiment":"positive","sentiment_score":0.40411874651908875},{"text":"I'll chat to you on the first one, use for the updated recommendations, and then you can let me know what you wanna do moving forward. Okay? Then I'm good. What's so just a quick question. But Yeah. Absolutely. What do you think it's the right thing to put money into silver, or is it not really worth it at the moment? No. Look. Honestly, there's we do not try to pick the highs and lows. I mean, if we sort of looked back at the last thirty odd years and we would have picked any one of these investments at any point in time, you could have said that was the highest point. But between thirty years ago to now, everything has gone up drastically even more. I mean, we're seeing huge, huge returns on gold and silver. So, realistically, Yes. as we are dollar cost averaging over time, there's never a bad opportunity to buy. It's sort of that getting in and continuously investing through the ups and downs to take advantage of those moments without trying to pick Yep. the market. If we tried to pick the highs and lows, I could guarantee you we would all miss. No one ever picks No. it That's correctly. that's Yeah. Sorry. because I I just know that those so those two, gold and silver in particular, aren't they're not a get rich quick investment. It's a Correct. 30 point is down the line Yep. investment. Yep. That's what it's like. Even if you even if I had I bought 50,000 gold today and I had thirty Mhmm.","start_word":5993,"end_word":6260,"sentiment":"neutral","sentiment_score":0.011789400474543668},{"text":"years on it, I'd have a good return on it.","start_word":6261,"end_word":6270,"sentiment":"positive","sentiment_score":0.4018651843070984},{"text":"So that's what my my my thought process is like. If not, gold and silver investing in gold and silver physical gold and silver isn't as volatile as what the stock market is. Yeah. Correct. Correct. And having those in your portfolio, I mean, they do see the ups and downs not as not often as drastically as what your other equities do, but they also can act defensively at certain times as well. So you've got kind of by having them there an asset that's gonna give you growth over longer term, but it also can act defensively at times where equities are also performing unwell.","start_word":6271,"end_word":6377,"sentiment":"neutral","sentiment_score":0.13789308071136477},{"text":"So it's it's kind of a good alternative asset to have in there. Both of them work really well.","start_word":6378,"end_word":6396,"sentiment":"positive","sentiment_score":0.44172459840774536},{"text":"And if you look at how gold and silver has grown over the last thirty years there, You know, we do expect over the next sort of thirty years for it to still be there, to still keep growing. And yeah. Look. I'll be honest. I never try to pick the highs and lows. I'd rather just pick a time, put the money into the market, and then continuously dollar cost averaging to continue my buy ins. That way, you're averaging Yep. out the buy price. You're averaging out your returns, and you're averaging out the risk a little bit as well and taking advantage of whatever the markets throw at you. Yeah. Sounds good. Look, I'm I'm fully Yep. aware with gold and silver that there are highs and lows and, like, you as I said, Yeah. you can't pick them, so why would you just buy it? Exactly. Exactly. And my the the main reason is it's a very secured item that is it's not short term growth, but it will always be growing regardless Yes. of of it. Yep. So yeah. If Absolutely.","start_word":6397,"end_word":6582,"sentiment":"neutral","sentiment_score":0.096813403069973},{"text":"I can invest into it and I has good return, it's probably worth doing. Perfect. So I like it. so Lovely. I'll All good.","start_word":6583,"end_word":6606,"sentiment":"positive","sentiment_score":0.5881797621647517},{"text":"leave it a little up to you and Yeah.","start_word":6607,"end_word":6615,"sentiment":"neutral","sentiment_score":0.17015275359153748},{"text":"there Perfect. it goes. Not a problem at all. Well, I'll get cracking on the research there for you.","start_word":6616,"end_word":6634,"sentiment":"positive","sentiment_score":0.39895516633987427},{"text":"I've booked you in for the first 03:30 Queensland time, 04:30 your time, Yep. so I Bye can go bye. through the advice with you. I know you'll be driving the time, so don't stress. I'll be able to run through those recommendations and send you the document so you can have a read of it, after the call, and then you can let us know whether you're happy Sounds to take good. on those recommendations or not. Okay?","start_word":6635,"end_word":6713,"sentiment":"neutral","sentiment_score":0.20748713612556455},{"text":"Sounds good. Easy. Thank you so much for your time.","start_word":6714,"end_word":6723,"sentiment":"positive","sentiment_score":0.6179252862930298},{"text":"If there are any Thank additional you. questions, please let me know. The only other thing I probably will also just wanted to double check with you just for the insurance side of things. I know with your annual review, that's Samantha would have gone through. Just so I had a bit of a chat about the level of insurances you do have there with your life, your TPD, and your income protection cover. Are you happy with the amounts you have? Did you wanna kinda look at reviewing those at all, or you're still happy to keep them at the same I think I'm level? happy with them at the moment. Yep. My my main concern with that is for is I as long as the price on the account is outperforming the outgoing from the insurances, I've got no issue with them. Yep. So but Yep. I think that covers the life insurance practically covers the mortgage plus more. Yeah. Disability is pretty much is what it is. And then the Yeah. other one, yeah, wage loss. Yep. So it should That's cover okay. because I think the wage the way is it the wage loss one? The What's the what is that? Disability and then the so what's the third one? Insurance income disability. protection? Yeah. Income protection, which Yep. what was that? Well, is it fortnightly or weekly? So the income protection is showing a monthly benefit. The monthly Yep. benefit based on the income I have here shows you're over insured just a little bit there, but having that amount does mean if you get a pay rise, you might be able to claim more depending on the income, you know, at the time of disability. But Yep. income protection pays out a monthly benefit in the event of being unable to work in the shorter term due to illness or injury. Yep. Yeah. What does that pay at monthly? It pays out as a monthly benefit. Yeah. Oh, well, well, sorry. What's the title? Do you know the title Oh, that I paid yes. Sorry. Before that? income tax, the monthly benefit is a 5,915 5,900. And 15. At full Yeah. So monthly, with income protection, full plate. you can be, yeah, you can be covered for up to 70% of your income. 70%. So I've Yep. got your income as being about 93,000. Is that right income wise for you at the moment, Rhys? Yeah. They're about so it's up Yeah. to 75%. And then you said it's five Yeah. So it's 70% of your income. So 70% of 93,000 nine? means Yeah. the yearly benefit's about $65,100, which means the monthly benefit claimable is about 5,425, and you're Yeah. covered for $5.09 $1.05 at the moment. So you can keep it at the same amount. It does mean that if Got your income it. increases, that you've got that higher benefit amount. If we did look at decreasing that, if you then wanted to increase it down the track, it could become more expensive if there's changes to your health. There could No. be That's loadings or exclusions applied yeah. So keeping it, the amount it's not a huge difference, and it does allow for increases to your wage. No. That's fine. That covers Yep. that covers the mortgage. Yep.","start_word":6724,"end_word":7281,"sentiment":"neutral","sentiment_score":0.015051668297873282},{"text":"Perfect. Excellent. I got Lovely.","start_word":7282,"end_word":7286,"sentiment":"positive","sentiment_score":0.4465816617012024},{"text":"a I got a 3,800 a week for the mortgage at $2.06 Yep. Per week. Perfect. $5.02. Yep. Yep.","start_word":7287,"end_word":7305,"sentiment":"neutral","sentiment_score":0.10534203797578812},{"text":"Beautiful.","start_word":7306,"end_word":7306,"sentiment":"positive","sentiment_score":0.35217493772506714},{"text":"No. Excellent.","start_word":7307,"end_word":7308,"sentiment":"neutral","sentiment_score":0.22978314757347107},{"text":"Perfect.","start_word":7309,"end_word":7309,"sentiment":"positive","sentiment_score":0.35909682512283325},{"text":"I can see here that you don't have any trauma. Has anyone ever spoken to you about what trauma cover is and how that works at all? No. I honestly, Yeah. I don't I don't think I ever need it. That's okay.","start_word":7310,"end_word":7351,"sentiment":"neutral","sentiment_score":-0.07767533510923386},{"text":"You're absolutely fine.","start_word":7352,"end_word":7354,"sentiment":"positive","sentiment_score":0.39515420794487},{"text":"Not a problem at all. So I what I I'll I do don't is think with but yeah. You're it's right. obviously obviously that yeah. I Yeah. I don't I don't I don't think that would worry me in the way of trauma. It takes Mhmm. something pretty shocking to probably do that part. Because that's fine. Usually, it's from having dealt with certain things or something happened, I suppose, but I yeah. I've never heard of it until you mentioned it, to be honest. Yeah. That's okay. So trauma tends to pay out, like, a lump sum tax free benefit in the event of, say, a major traumatic diagnosis. Generally, things like Parkinson's or cancer is a big one, heart attack, stroke, certain things like Yeah. that. Trauma, you do have to pay for out of your back pocket, so it does affect your expenditure. You can't hold it inside super like you do your life, your TPD, your income protection. So it is definitely a personal choice, and we do sort of find that at the moment a lot of people have trouble paying for things like trauma out of pocket with the the way living expenses are, but it's a personal decision. You don't have to sort of look at it. We can always scope it out for now and then come back to that down the track if you decide you wanna relook at it. No. Probably be fine. I haven't heard of travel insurance till today. Yeah. That's okay.","start_word":7355,"end_word":7608,"sentiment":"neutral","sentiment_score":-0.03449176996946335},{"text":"That's honestly not a problem. I'm glad that at least I spoke to you about it.","start_word":7609,"end_word":7624,"sentiment":"positive","sentiment_score":0.4713662564754486},{"text":"If you haven't heard of it before today, at least you know it is an option down the track if you do wanna look at it. So with the scoping of the advice there, it'll be more around your super, looking at altering the portfolio Yep. and how that looks for you over the next few years there, but I will have to just limit scoping the insurances. We're not looking to change any of those at the moment, but because they are paid out of super, it does have an effect on your super balance as well. So it's important that we have that in as a limited side of things. And I Yep. just wanted to double check your beneficiaries as well just so I am kinda updating things for you. It's always important just to check that they're correct. I can see there's no real beneficiary nominations on your super, so it is really important that they be updated. Did Samantha sort of have a chat to you about the beneficiary side of things and who you would want to have nominated in the event of passing away at all? Yeah. I filled out forms, like, two years ago. I started my desk to mail a bit and never mailed them in. Oh, did you want us to kinda help you by pre filling them out and maybe helping you along? That way, you just have to have them signed and witnessed. I've got him sign a witness. Can Yep. I send him in for two years? I totally forgot. Normally, I found him they the have other a day. limit. Normally, they have a limit on how long ago they have to have been signed. I think I think Samantha's spending me some more. Okay. No worries at all. Did you want us to help prefill, like, the beneficiary information for you No. and I can make fill it it easier, all or out. That's fine. you're happy to do so? No. It's Not just a problem.","start_word":7625,"end_word":7965,"sentiment":"neutral","sentiment_score":0.040113393157239885},{"text":"like me being lazy.","start_word":7966,"end_word":7969,"sentiment":"negative","sentiment_score":-0.382806658744812},{"text":"Don't you? I'll get on Sorry. to that and then just forget Yeah. You're honestly fine. Look. In all honesty, they to can be the most annoying forms to fill out, but at the same time, they're there to protect your hear super about as it. well. So it is really important that they are completed and sent back. Is it more that you're wanting everything to sort of be paid to your wife to a lease if anything happened to yourself? I don't know. I cannot see if I have the kids and really upset I mean, you absolutely could, but in all honesty, because they're all 18, if anything happened to you, the payout going to your kids, it goes to her anyway because the Yeah. money isn't paid direct to them. It's paid to their guardian, so she probably ends up with it anyway. No.","start_word":7970,"end_word":8117,"sentiment":"neutral","sentiment_score":-0.1215898589328611},{"text":"I don't.","start_word":8118,"end_word":8119,"sentiment":"negative","sentiment_score":-0.3336203992366791},{"text":"I've got I'd leave it over there anyway. Like, I'm Yeah.","start_word":8120,"end_word":8130,"sentiment":"neutral","sentiment_score":-0.30365487933158875},{"text":"terrible with money to deal with it. She sounds I just like a wanna good tell self. her I just wanna tell her what it's worth so that I don't end up with, like, mushroom poisoning or anything.","start_word":8131,"end_word":8168,"sentiment":"negative","sentiment_score":-0.3908403515815735},{"text":"Yeah. No. That's understandable. Not a problem at all. We'll keep that a secret. The privacy No. laws She are there to protect you. no. She's there. Yeah. I think she knows about it. She's Yeah. aware I have to tell her. No. That's okay. I sort of let everyone know as well. It is really important to let your spouse know that you do have life insurance. You don't have to let them know how much it is, but just letting them know that we are your advisers. Having our phone number somewhere handy is also important because if anything happened to you, it's a really hard time for them. And at least having the, you know, the kids there can be can make it a little bit harder. So she can just call us. We can help, you know, with the claims process and make everything a little bit smoother. But it's always just really important to kind of make sure that she's aware that you do have a financial adviser. We do look after Oh, your she's sleep aware. and your insurances, and we can certainly help her with the claims process. I've had it in the past where clients didn't tell anyone and, you know, a few months have passed away.","start_word":8169,"end_word":8383,"sentiment":"neutral","sentiment_score":-0.037653736770153046},{"text":"We've been trying to call them and we get a phone call out of the blue going, this person's passed away.","start_word":8384,"end_word":8404,"sentiment":"negative","sentiment_score":-0.3461945652961731},{"text":"Who are you and what do you do and, you know, how do we get this money? Yeah. I so It's I am either way, I I have a financial beautiful. adviser because I told her. She thought Yeah.","start_word":8405,"end_word":8443,"sentiment":"neutral","sentiment_score":-0.10351936146616936},{"text":"you guys were a scam when I she totally thought it was a scam when I first was chatting to you guys.","start_word":8444,"end_word":8465,"sentiment":"negative","sentiment_score":-0.38275161385536194},{"text":"Yep. And I was skeptical. I was like, hey.","start_word":8466,"end_word":8474,"sentiment":"neutral","sentiment_score":-0.20768818259239197},{"text":"You're struggling, like, it's just still weird.","start_word":8475,"end_word":8481,"sentiment":"negative","sentiment_score":-0.3607833981513977},{"text":"It's just a cold call and then, yeah, the bloke sold it really well.","start_word":8482,"end_word":8495,"sentiment":"neutral","sentiment_score":-0.2305145263671875},{"text":"And then I got chatting and the returns have been phenomenal, and I've been happy since joining.","start_word":8496,"end_word":8512,"sentiment":"positive","sentiment_score":0.5779770016670227},{"text":"So Yeah. No.","start_word":8513,"end_word":8515,"sentiment":"neutral","sentiment_score":0.15160731971263883},{"text":"Perfect.","start_word":8516,"end_word":8516,"sentiment":"positive","sentiment_score":0.35673466324806213},{"text":"Well, if you guys wanted to seek other advice on investments or anything else out there, please let me know.","start_word":8517,"end_word":8536,"sentiment":"neutral","sentiment_score":0.1632323861122131},{"text":"I am here to guide yes. you along, help you meet your goals.","start_word":8537,"end_word":8549,"sentiment":"positive","sentiment_score":0.4464627504348755},{"text":"I'm a fully licensed adviser as well. And I know as part of the annual review packet I is due to be sent out to you that you'll have the financial services guide in there. So you can look me up in there. It's got my license number. You can have a look on the active register and everything there as well. So trust for you.","start_word":8550,"end_word":8615,"sentiment":"neutral","sentiment_score":0.15043523907661438},{"text":"yeah. That's good. I love that. I promise I'll look after you too. So I trust you.","start_word":8616,"end_word":8632,"sentiment":"positive","sentiment_score":0.552653968334198},{"text":"Otherwise, if I wasn't trust, I'd have no money. absolutely. Absolutely. Well, the biggest thing that we abide by is best interest duty, and that's legislated under the corporations act. So it's about making sure that we're here for you. And Yeah. whenever a conflict of interest arises, I have to put your needs above that of my employer. So if anything happens and it causes the conflict between you and my bosses, I put your your needs first and act on your behalf. So rest assured I will do nothing wrong by you. Okay? So the Hub Yeah. 24, just Yes. the only question I was regarding was that I had my partner did ask me this. So, you know, the big I think the big one, like, Steve Austin all at which they have the insurance and stuff like that. If something happens to them and they lose money or something that the insurance pays out, is HubSpotty four sort of covered in that way as well if they do have a massive financial issue? Yep. Yeah.","start_word":8633,"end_word":8811,"sentiment":"neutral","sentiment_score":0.0052602626591421375},{"text":"Absolutely.","start_word":8812,"end_word":8812,"sentiment":"positive","sentiment_score":0.3863726854324341},{"text":"So it is a set and covered by the same legislations as an as any other super fund out there. Yeah. Yep. Yeah. Yeah. Yep. She wasn't she wasn't sure if she was, like, just questioning me about it. And I'm like, why she don't know whether it is, but I would assume that it would be covered. So Yeah. Yeah. So, like, if anything was to happen, because your funds, whilst have 20 fours, think of it like the vehicle. It's sort of like the car. And inside that vehicle, you've got all your different investment options. So your money is not actually invested in hub twenty four. That's just the platform that it's invested on. Your money is Yep. actually invested in the different investment options there. So if something was to happen to hub twenty four and, you know, they were to go down, they would be coming out saying, hey. Look. We're having an issue. We need to close down, but your investments are within these investment options. And another platform should be able to come out, sort of look at things, help, you know, take it on board. We'd be able to move you out of those funds. But the it's more the what happens to the investment option, not so much hub twenty four that affects you. Because it's just the platform you're Yeah. sitting on. It's just the investment vehicle. Where your money is actually affected is the investment options that you're invested in, the underlying investment options, if that makes sense. And that's the same with Save us and all that. Isn't it? If they were to have Yeah. issues, it's just their funds are invested. So you're really Yep. relying on you're really relying on your funds to do well. And if Yes. one of the investors completely Yep. tanked, then you kinda lose that just the stock market, isn't it? That is exactly right. Yeah. That's the same with all the other ones out there. All your individual industry funds, SeaBus, Australian, Super, all those things, they all have investment managers as well. They obviously don't have access to as many investments as what these retail funds do, and they kinda limit what you can do on the platforms there. However, Yep. they are investing money in big pools of money with investment managers the same way we are. The more the difference here is you have more clarity and more investments to choose from. It's more of a a lot more access to investments to be able to build your investments and have them working in Ultra and change them. Whereas in those industry super funds, those investments and then they're just making decisions on behalf of everyone and telling you this is where majority of your peer group should be in, so you should be in that same investment options. So here you get a bit personalized. Yeah. Yeah. Yeah. So the the bigger ones like Feebas are the they're the more safe but lower growth options I've found. Yeah. So I noticed It that kinda yeah. they tend tend to be the safer option, but their growth isn't as good as what like, the growth that I had on it versus the growth that I've had with HubSpot. Look, with you guys have been totally Yeah. different. Yeah. Absolutely. So in order to get more growth, you need to sort of be willing to take on a a bit more risk there. If you're not taking on as much risk, more defensive in nature, more conservative, then you do get the returns that are sort of reflecting that. Yeah. Yep. That's Yeah.","start_word":8813,"end_word":9427,"sentiment":"neutral","sentiment_score":0.001585494009096448},{"text":"beautiful. Yeah. Perfect.","start_word":9428,"end_word":9430,"sentiment":"positive","sentiment_score":0.48784297704696655},{"text":"Did you have any other questions for me at all, Reese? If you think of anything at all, you're welcome to let me know. But have I kind of answered everything for you at the moment? Or Yeah. So the the main thing was sort of the Yeah. golden silver side of it. The rest Yep. of it's questions that have come to mind as I've been chatting. And Absolutely. no. Perfect. But as I said, I'm happy to as long as obviously, like, if if one of the investments really does take a bit of a hit, is that Yeah. you guys would obviously look at it as popping out or riding it out until if if you know it's not gonna be coming back, you obviously be popping out of it. But if you Yeah. yeah. Yeah. As I Yep. said, like, we're leaving it with you guys. You know the market better than what I do. Yep. Absolutely. No. That's why we definitely want to have a conversation with you, and it's important that we can't just remove an investment without talking to you at the same time and updating the advice to reflect because it's important that you're aware of what's happening with your investments. But, yeah, that's exactly what we're doing with Bandalong. We've had a look at it. It's had its ups and downs. It's really not a quality investment anymore. We do wanna remove it, but we're looking at replacing it with something as lower cost, hopefully, save you less in the way of investment fees, and hopefully, provide greater performance there as well. So we do wanna get rid of that one. So I'll get cracking on the research on this for you. I'll come back and Yep. show you what we're gonna do to help you, and then you get to ask me additional questions and see the advantages, disadvantages, and the risks of what I recommend for you. Okay? Sounds right.","start_word":9431,"end_word":9761,"sentiment":"neutral","sentiment_score":0.03786740956822371},{"text":"Excellent. Well, I Beautiful. hope you have a safe drive home, Rhys.","start_word":9762,"end_word":9773,"sentiment":"positive","sentiment_score":0.5163061022758484},{"text":"If you do find you I have more questions, please let me know, and I'll contact think it'll be palatable. I'll easy. I'll talk to you in about two weeks. Easy. Yeah.","start_word":9774,"end_word":9805,"sentiment":"neutral","sentiment_score":0.22850586473941803},{"text":"Well, have a lovely Thanks.","start_word":9806,"end_word":9810,"sentiment":"positive","sentiment_score":0.534649133682251},{"text":"weekend. Hope You that the too. weather's less out there. I think you don't you think you get a bit of rain, are you? It has been. Yeah. Well, I think it's probably more common. It kinda rains a lot up here, but that's okay. We'll They're winter's tropical. coming. It stops in the wet. Yeah. It's true that I was up to nearly last year in August, and it was just too late.","start_word":9811,"end_word":9884,"sentiment":"neutral","sentiment_score":0.006457553059098663},{"text":"Lovely weather.","start_word":9885,"end_word":9886,"sentiment":"positive","sentiment_score":0.5999367237091064},{"text":"Yeah. Yep. Yeah. Yeah. Yeah.","start_word":9887,"end_word":9891,"sentiment":"neutral","sentiment_score":0.2182900756597519},{"text":"When it's beautiful, it is beautiful.","start_word":9892,"end_word":9897,"sentiment":"positive","sentiment_score":0.586617648601532},{"text":"When it's wet, it is tranqal. Yeah. It's a quaint No. light. Oh, that's it. That's exactly it. No.","start_word":9898,"end_word":9916,"sentiment":"neutral","sentiment_score":0.16112174093723297},{"text":"Oh, good. Well, thank you very much for your time. I really appreciate it. I'll get cracking on the research.","start_word":9917,"end_word":9936,"sentiment":"positive","sentiment_score":0.6437270045280457},{"text":"We'll talk again Yep. shortly. And in the meantime, if you need anything, don't ever hesitate.","start_word":9937,"end_word":9952,"sentiment":"neutral","sentiment_score":0.18730492889881137},{"text":"I'm always here happy to make time.","start_word":9953,"end_word":9959,"sentiment":"positive","sentiment_score":0.5044175982475281},{"text":"Okay? Yep.","start_word":9960,"end_word":9961,"sentiment":"neutral","sentiment_score":0.21970267593860623},{"text":"No problem. Thank you. My pleasure. Enjoy your afternoon. Have a safe trip home.","start_word":9962,"end_word":9975,"sentiment":"positive","sentiment_score":0.6818962097167969},{"text":"I will.","start_word":9976,"end_word":9977,"sentiment":"neutral","sentiment_score":0.3149069547653198},{"text":"Will, Thanks.","start_word":9978,"end_word":9979,"sentiment":"positive","sentiment_score":0.3584308922290802},{"text":"Dave.","start_word":9980,"end_word":9980,"sentiment":"neutral","sentiment_score":0.2942398190498352},{"text":"Thanks.","start_word":9981,"end_word":9981,"sentiment":"positive","sentiment_score":0.565895676612854},{"text":"See you Bye. later. Bye.","start_word":9982,"end_word":9986,"sentiment":"neutral","sentiment_score":0.2538106143474579}],"average":{"sentiment":"neutral","sentiment_score":0.027501911104469944}}}}