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Have I caught you out and about at the moment, sir? Oh, that's always the drama. Cool. Now are you okay if I go through about it probably takes about twenty, thirty minutes or so? Perfect. So what I'm gonna do is I'm just gonna do a quick security check with you. I'll send through your annual review pack, but because you are driving, I'll just leave that with you to review after the call as well. We have a bit of a new system, so I'm just gonna update a couple of details, run through any plan changes in your strategies, and then I can pretty much let you go. Perfect. So just for security, so I'm registered with ASIC as adviser 1273105. We don't have a security question on file. Could you please confirm your date of birth and address? Sensational. And are you okay for the call to be recorded? Perfect. Alright. Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com. Is that okay? Cool. So I'll send that through to you now just so you've got it. Just to let you know what's coming, it's got an updated financial services guide, performance report, an overview services guide, and the service agreement as well. So I'll pop that through just so it goes through the old email system for later. Was there anything in particular that you were hoping to get out of this annual review? Obviously, just a bit of a general update, make sure it's all going well. Perfect. So I'm just gonna quickly run through the details that we've got because new system, just wanna make sure there hasn't been any significant changes, and then I'll run through the super performance if that's okay. Cool. Just checking goals wise from when you came on board to recently. So the overarching goal that we're planning is a nice early retirement at least the age of 60, which is when you can access your super with 2,000 a week tax free coming out with, obviously, the mortgage paid off is kind of the ideal situation. K? Outside of that, you were basically focusing on your career, paying down the mortgage, and just focusing on the property side of things. Anything else in particular on the go for you at the moment? I was just focusing on paying down the mortgage. It says pay down the mortgage your parents stay in over the next five years. Yep. So no extra repayments or any speed on that one? Yep. Perfect. Yep. Sensational. I'm just having a look at the assets and liabilities here. Just let me know if this is right. So we've got the main residence. It says the mortgage is obviously the one that your parents are covering. So 400,000 owing and a value of about $8.50. K. We had in terms of other assets, you had a car at a $100 worth of savings and around about 400,000 in gold ETFs. K. Is that jumped up a lot? I know gold kind of soared towards the end of last year and then came back down a bit. Yeah. Yep. Okay. And then those stocks, is that just in, like, a, like, a standard Vanguard international ETF or something? GDX. Yeah. Fair. Fair. Done alright. It actually managed. Okay. Yep. Right. Savings about 20 k. Perfect. No other loans or anything pop up? No way. With all that capital behind you, the banks won't give you a loan. Oh, jeez. Okay. Is that what type of loan were you trying to go for? Yeah. Wow. It's weird. It's like you you're kind of my hero in a certain way because I was going through a similar similar pathway with the property and the gold and things like that. And when you get to that asset level, the not being able to get a $100 in a loan is a bit strange, but, you know, cash flow is always the thing. Speaking of cash flow, we had you working field services IT for Unisys, about 110 k. Yep. And still able to put aside a solid thousand a week in savings. K. And are you focusing on the cash flow? Because I know you said the mortgage is just regular repayments and so on. Are you gonna focus on more investments? Awesome. I'm assuming stake will be okay to do a bit of an in specie transfer onto their platform so at least it's all on the login for you. So one of the things that I've done a few times for people, just for, like, self managed super funds is they had a whole bunch of shares sitting in different trading accounts with Comsec and Navtrade and so on. And we were using Macquarie at the time. In Macquarie Base, we said, you can fill out all your your cost base paperwork for when you got them and everything, and they were gonna, like, bring those assets onto the platform. So at least it was on the login alongside your other investments. And I know Stake does it for domestic. They don't do it for international, I think. Yep. Yeah. Look. It is painful. But it's possible. Possible, painful. Yeah. Yep. Absolutely. Now are you after any kind of investment advice from Oakview, or is it more just handle the super and you're gonna keep investing this personally? Yeah. No. So with the self managed, I guess, the more standard setup that we do is when people, like, borrowing to get investment properties. Right? So you get an accountant. The accountant sets up a trust fund and a corporate trustee, like a company. We go through and do the plan to say, okay. We're gonna use this bank account and this investment platform. You're with Hub at the moment. Right? So as an example, use Hub as the investment account, bank account for the cash, put it all together, buy the property, anything in excess of that, just invest it along the side of it kind of thing. So it's something that we do do similar to like, hub's also got investment accounts as an example. So if you wanted to have, like, an investment platform next to your super fund, you can kind of link them up, and it helps reduce your admin fees, and you've got access to all the same ETFs, stocks, managed funds, and everything as well. So, yeah, personal investing in SMSF, we do a little bit of. K. Yeah. And I think one of the things that we gotta do is, obviously, there's been a few changes in the budget recently, and there's gonna be a big surge in people going to SMSFs. And whenever that happens, because if property negative gearing capital gains changes affect, again, shares, gold ETFs, and property, it's gonna cause a fluctuation of people into SMSF. And the next step is the government then jumps on that and tries to find out what goals they wanna change on that side of things. So I would love to be like, yeah, man. Let's go for it. We'll set this up, and I'll charge you this, and we'll do this, and there'll be heaps of fun, and you'll get all this. And then six months later, the government says, yeah. We've changed these rules on SMSF because everyone's it's the flavor of the week. So if you're comfortable with it, what I would like to do is just park it for six to twelve months, wait for it to kind of filter through the political system first. And then if it's still a good plan and they're not changing too much, we can then dive into that together. Yep. Cool. I'll put a flag on the account there because we obviously touched base during the reviews, and I'll put a note to talk about that next time as well. We usually do, like, annual reviews, but also offer quarterly catch ups, six monthly reviews, and so on. Do you want me to pencil anything in for, say, six months' time or just maybe wait for that next review and go through it then? Yep. So just before Christmas time would be good. That should give us, again, 90% chance to know what's going on with legislation. So I think that'll be good timing if you're okay with that. Okay. Outside of that, I'm gonna jump into the super for a quick sec, but there was, I think, previous quotes for, like, insurances and things like that. You've got a very healthy asset base. I don't see any life insurance, TPD, income protection, all that fun stuff. Is there anything you need on the insurance front this year? Yep. I mean, generally speaking, life insurance and TPD covers debts, and you've got more capital than you do liabilities. So that's okay. And income protection is just to, you know, keep things going if you're out for six months, which I think even health wise you'd gone through with the echocardiograms before. Yep. And bit of blood pressure medication still going? Yeah. So if we get to a point where you wanna look at, like, income protection cover, I've gotta be careful on the health side of things because any blood pressure issues may cause loadings where it goes, yep. It's $2 initially, but we're gonna add 50%, a 100% extra price on it. It jumps up very quickly. So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to. Yep. A part of self managed super funds is they you have to have considered protection. And when we do a a new statement of advice plan, we do put considerations in there or at least recommend it, and then you can say, yes. It's been considered or not. K. So I'll park that for now. Estate planning wise, were you putting in place like a will or a power of attorney or anything like that? K. Because you're still single at the moment. Right? K. Just thinking someone of your asset base at some point would be nice to at least have, like, the power of attorney in place. So if you're in hospital, someone can access the bank accounts, keep the mortgage repayments going, make sure things aren't going awry, talk to the doctors and things like that. In terms of so I'm just having a look at your hub account. Beneficiaries, did you have anyone that you were trying to leave the super to? Yeah. And, look, it's one of those things where if you don't have like that, they call it a sys act dependent, like a spouse or a child, Your super with no nomination just goes to your estate anyway where it'll filter through. There's no nomination, so it kind of forms part of everything else, and someone's gonna have to go to the courts and say, hey. This guy's got half $1,000,000 and all $600 of ETFs in a property, and who gets it? So without a nomination, it will go through the public system over time. K? But if there's anything that we can put in place when you find someone, just let us know. Cool. When it comes to the Hub Super, I know you do a lot of trading. Do you keep an eye on the super side every now and then? Or always fun. K. Do you want me to do any password resets for Hub? Yep. One of the handy tools for Hub is the website login is much better than the app. So it's much easier to get in. And when you're in, it's a bit more easy on the eyes in terms of reporting, but we've got all the yeah. Any in-depth reports that you need, we can generate 47 different types of reports because it's quite an in-depth platform. It's a wrap platform. It's got all the bells, whistles, and features. So we've got access to all of that for you anyway as well. In terms of the portfolio side of things, so a couple of things I need to make you aware of is just pulling up your portfolio. So you're in the high growth, obviously, 4.5 out of five on the risk scale, 90% shares property and gold. Not very much in safe side of things. Obviously, just trying to get the high long term returns. It's a bit of a fifty fifty. We it's got some defensive aspects, but, obviously, the volatility that you can see, I'm not gonna put a 70 year old retiree into it, and then it goes down 40 percent and all that kind of thing. So we call that an alternative, and that's a bit of a fifty fifty split. K? Outside of that, I'm looking at the the average returns we're looking for for high growth is a consistent double digit, 10% or above. You've still cleared 11 and a half percent after fees, so it's hit it pretty well even with a bit of a jitters in March. When you go through the portfolio table, you'll see all of the investment options with a return on the right hand column, and anything that's a percentage is growth. Anything in brackets is a negative. And then the second page gives you your total portfolio return. So what I wanted to point out is the Benelong Australian shares is one that I've put a bit of a flag on because that level of drop for an Australian equities option is higher than all the other options at the moment. That's a bit more volatile than I would have liked. Everything else, your defensive portion's up 4%. That's pretty standard for fixed interest. Battery tech and electric vehicles is up 92%. Amazing. Gold's up 20 two. Your S and P five hundred's up 16%. China's up 19%. Property's flat. So all the options except for one have done really well. The question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for it. Outside of that, yeah, for that Australian shares portion. So I can replace it with anything in terms of active or passive and find a good option to sidestep it into. The most I would give it is maybe six months, but even then, it would be one to really keep a close eye on. I reckon give it a little bit of time, see how it goes. If it doesn't bounce back, I really wanna ask you in terms of replacement options. Preferred style, do you want me to replace it with an active option or a passive option? Go low fees or or keep trying to beat the market. So what I'm thinking is your yeah. So the the Benelong is currently 0.99%, and it's supposed to obviously get returns higher than the Aussie market. So the the a 200 ETF, that's your passive, that's 0.2 for the passive option. There are other active options which are a little bit more affordable, a little bit better performance as well. There's a couple that we've been researching recently to have as alternatives. So what I'm basically saying with your portfolio is most of it is in passive ETFs. You've got a little bit in the active side. The active side's kind of been dragging its feet a little bit. I can either replace it with an active fund that's been doing the right thing or just go full passive across the whole super. Yep. So what I might do, if it's okay with you, is I can do that now in terms of I'll put together a statement of advice with the replacement option that I research, send that through to you so you can have a look and make sure you're okay with what we're doing and why. And then we can do a bit of a rebalance and and touch up the old do an engine tune across the whole lot. Cool. Now it'll be a couple of weeks just because I'm about to go on paternity leave. Got the third baby on the way. And thank you. So I'll get the team to research it in the background. And then as soon as I get back into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update. Cool. In terms of, like, contributions and things like that, you're doing a lot of personal investment. Do you need me to look at any salary sacrifice for the super or happy just to let the employer contributions and growth carry things? K. If you do any like, you mentioned that major sale and obviously a bit of tax comes at the back of it. If you wanna do any lump sum contributions to kind of drop the tax down a little bit in those years where you sell personal investments, we can obviously help you with it in terms of the forms and things like that. But for now, I'll just base the plan on current portfolio versus an updated one with your employer contributions coming in, and I'll just do an updated projection based off that. Cool. So this is a twelve month snapshot, and it splits it between dividends and capital growth. Yeah. Yep. Income is basically just dividends, distributions out from the ETFs. You're not very distribution heavy. It's mainly capital. You know? The gold doesn't distribute. Most of the shares and property don't either. That's correct. Cool. Alright. Any other questions on the super side of things? K. So I'll get you penciled in for they'll give you a call in a couple of weeks just to book in with me for the updated portfolio. I've put a note on your account to catch up in six months about whether we go to SMSF, and we can have a bit of a relook at insurances and things like that at that point. Yeah. Go for it. Yes. My apologies. It's usually my favorite thing to do in a review. So you were consolidated up to a 113,000 initially. And, basically, looking at the story, like, you've got a bit of a graph that shows you the the capital value. And you basically went $1.13 up to $1.40, drops down to $1.26 in April of last year. You will on the login, you'll be able to access that on the main dashboard. You should be able to switch between percentage and dollar value. Yeah. That's more educational material for people that don't know how the stock market and different asset classes work. Correct. I'm just having a look at the recent twelve months as well. Yeah. Yep. So it was in March March 2024. So we just hit two years and two months. So Twelve months, we've got your one forty. Now you're just shy of one seventy. And then the interesting thing about the way the super works, because it's percentage based returns, is it's just starting to accelerate. Because every 10% now, we're talking 15 to 20 grands, up to 30, up to 40, and then it's just gonna kind of take off. But then, obviously, at some point, we reduce the risk down because you probably don't wanna be high risk at 59 and lose half $1,000,000 a year before you go to live on it. Yeah. So if you're okay with that, that's cool. If at any point you wanna go an extra step above, go a bit more aggressive even, look at possibly leverage options and things like that, we can discuss it. I probably wouldn't recommend it this minute. Yeah. Look. A bit of never went astray. Yeah. Yeah. Wow. I'm just having a look at a graph of it now, but that's were you playing around with it in 2021? Yeah. GDXD, was that 2122? Yeah. Right. Wow. Okay. Yeah. Yeah. See, that's the thing that I've got to be careful with when it comes, like, the super, right, is because you can build up all of this wealth personally with all these investments. But if I just get you a consistent 10% after fees every single year until 60, that's that easy 1 to 2 mil, and you're putting that retirement sorted. The moment I chuck into something leveraged now and all of a sudden it's crashing, and then we can't afford to do the SMSF, and then all of a sudden it's just we can go aggressive with it, but we just don't do anything too crazy with people's retirement funds. Yeah. It has been an interesting twelve months, though. That's for sure. We'll have a bit of fun along the way. Oh, mate. Who knows? I'll I'll plead that I need to look after people's retirement savings or something. Alrighty. But any other questions on the super at the moment? Cool. If you are comfortable with the the services so far, we have attached in the the sign section an updated service agreement. So just to let you know, it's the usual 1.65% split across the monthly payments. The super fund claims a 15% tax rebate off of that for any expense inside super. Now that's a twelve month consent. It's not a lock in contract for twelve months. And, obviously, we've got six month catch up for some advice and then an annual review after that. I will get your password reset with Hub. Give you a bit of a look on the website, see if that works a bit better for you. We've got about six or seven different brokers. Just depends on what type of loan you need. Borrowing to invest. Yeah. No. That's not cool. Okay. So I'm just having a bit of a think. I might put you on to I'll send an email through for Brook, one of the other brokers that we've got. Their specialty is property, tax debt loans, and they've also got access to, you know, second tier lenders and things like that. So at least they can give you a landscape of what's possible out there besides just the the bank up front. Yeah. Yeah. And I think one of the interesting strategies I was talking to him about last week actually was we got a couple of self employed guys with big ATO debts. And rather than paying it off over twelve to twenty four months, they're just kind of getting those loans to stretch it out over five years, lower the repayments, and keep more cash in the pocket. So couple of things out there might be possible. I can just make an introduction and you can see. Yeah. Yep. I get you. Alright. Yeah. So there'll be a few split emails. I'll do a separate introduction to a broker, see how they go with the options. The password reset will probably come from hub directly to you. And then you've got that email there for the annual review today. Then in about three weeks' time, team will book you in. I'll send you through that statement of advice for the portfolio update. Cool. Alrighty. Steven, it's been an absolute pleasure. Keep on keeping on. You're doing well. Any other questions for me, Matt? Thank you so much. Appreciate that, mate. If you need anything else, just call back in, and the team will sort you out. You too. 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good afternoon. It's Tommy, senior adviser from Oakview Financial. How are you going? I'm doing fantastic. I'm just giving you a call to go through your annual review.\n\nHave I caught you out and about at the moment, sir? Oh, that's always the drama. Cool. Now are you okay if I go through about it probably takes about twenty, thirty minutes or so? Perfect.\n\nSo what I'm gonna do is I'm just gonna do a quick security check with you. I'll send through your annual review pack, but because you are driving, I'll just leave that with you to review after the call as well. We have a bit of a new system, so I'm just gonna update a couple of details, run through any plan changes in your strategies, and then I can pretty much let you go. Perfect. So just for security, so I'm registered with ASIC as adviser 1273105.\n\nWe don't have a security question on file. Could you please confirm your date of birth and address? Sensational. And are you okay for the call to be recorded? Perfect.\n\nAlright. Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com. Is that okay? Cool. So I'll send that through to you now just so you've got it.\n\nJust to let you know what's coming, it's got an updated financial services guide, performance report, an overview services guide, and the service agreement as well. So I'll pop that through just so it goes through the old email system for later. Was there anything in particular that you were hoping to get out of this annual review? Obviously, just a bit of a general update, make sure it's all going well. Perfect.\n\nSo I'm just gonna quickly run through the details that we've got because new system, just wanna make sure there hasn't been any significant changes, and then I'll run through the super performance if that's okay. Cool. Just checking goals wise from when you came on board to recently. So the overarching goal that we're planning is a nice early retirement at least the age of 60, which is when you can access your super with 2,000 a week tax free coming out with, obviously, the mortgage paid off is kind of the ideal situation. K?\n\nOutside of that, you were basically focusing on your career, paying down the mortgage, and just focusing on the property side of things. Anything else in particular on the go for you at the moment? I was just focusing on paying down the mortgage. It says pay down the mortgage your parents stay in over the next five years. Yep.\n\nSo no extra repayments or any speed on that one? Yep. Perfect. Yep. Sensational.\n\nI'm just having a look at the assets and liabilities here. Just let me know if this is right. So we've got the main residence. It says the mortgage is obviously the one that your parents are covering. So 400,000 owing and a value of about $8.50.\n\nK. We had in terms of other assets, you had a car at a $100 worth of savings and around about 400,000 in gold ETFs. K. Is that jumped up a lot? I know gold kind of soared towards the end of last year and then came back down a bit.\n\nYeah. Yep. Okay. And then those stocks, is that just in, like, a, like, a standard Vanguard international ETF or something? GDX.\n\nYeah. Fair. Fair. Done alright. It actually managed.\n\nOkay. Yep. Right. Savings about 20 k. Perfect.\n\nNo other loans or anything pop up? No way. With all that capital behind you, the banks won't give you a loan. Oh, jeez. Okay.\n\nIs that what type of loan were you trying to go for? Yeah. Wow. It's weird. It's like you you're kind of my hero in a certain way because I was going through a similar similar pathway with the property and the gold and things like that.\n\nAnd when you get to that asset level, the not being able to get a $100 in a loan is a bit strange, but, you know, cash flow is always the thing. Speaking of cash flow, we had you working field services IT for Unisys, about 110 k. Yep. And still able to put aside a solid thousand a week in savings. K.\n\nAnd are you focusing on the cash flow? Because I know you said the mortgage is just regular repayments and so on. Are you gonna focus on more investments? Awesome. I'm assuming stake will be okay to do a bit of an in specie transfer onto their platform so at least it's all on the login for you.\n\nSo one of the things that I've done a few times for people, just for, like, self managed super funds is they had a whole bunch of shares sitting in different trading accounts with Comsec and Navtrade and so on. And we were using Macquarie at the time. In Macquarie Base, we said, you can fill out all your your cost base paperwork for when you got them and everything, and they were gonna, like, bring those assets onto the platform. So at least it was on the login alongside your other investments. And I know Stake does it for domestic.\n\nThey don't do it for international, I think. Yep. Yeah. Look. It is painful.\n\nBut it's possible. Possible, painful. Yeah. Yep. Absolutely.\n\nNow are you after any kind of investment advice from Oakview, or is it more just handle the super and you're gonna keep investing this personally? Yeah. No. So with the self managed, I guess, the more standard setup that we do is when people, like, borrowing to get investment properties. Right?\n\nSo you get an accountant. The accountant sets up a trust fund and a corporate trustee, like a company. We go through and do the plan to say, okay. We're gonna use this bank account and this investment platform. You're with Hub at the moment.\n\nRight? So as an example, use Hub as the investment account, bank account for the cash, put it all together, buy the property, anything in excess of that, just invest it along the side of it kind of thing. So it's something that we do do similar to like, hub's also got investment accounts as an example. So if you wanted to have, like, an investment platform next to your super fund, you can kind of link them up, and it helps reduce your admin fees, and you've got access to all the same ETFs, stocks, managed funds, and everything as well. So, yeah, personal investing in SMSF, we do a little bit of.\n\nK. Yeah. And I think one of the things that we gotta do is, obviously, there's been a few changes in the budget recently, and there's gonna be a big surge in people going to SMSFs. And whenever that happens, because if property negative gearing capital gains changes affect, again, shares, gold ETFs, and property, it's gonna cause a fluctuation of people into SMSF. And the next step is the government then jumps on that and tries to find out what goals they wanna change on that side of things.\n\nSo I would love to be like, yeah, man. Let's go for it. We'll set this up, and I'll charge you this, and we'll do this, and there'll be heaps of fun, and you'll get all this. And then six months later, the government says, yeah. We've changed these rules on SMSF because everyone's it's the flavor of the week.\n\nSo if you're comfortable with it, what I would like to do is just park it for six to twelve months, wait for it to kind of filter through the political system first. And then if it's still a good plan and they're not changing too much, we can then dive into that together. Yep. Cool. I'll put a flag on the account there because we obviously touched base during the reviews, and I'll put a note to talk about that next time as well.\n\nWe usually do, like, annual reviews, but also offer quarterly catch ups, six monthly reviews, and so on. Do you want me to pencil anything in for, say, six months' time or just maybe wait for that next review and go through it then? Yep. So just before Christmas time would be good. That should give us, again, 90% chance to know what's going on with legislation.\n\nSo I think that'll be good timing if you're okay with that. Okay. Outside of that, I'm gonna jump into the super for a quick sec, but there was, I think, previous quotes for, like, insurances and things like that. You've got a very healthy asset base. I don't see any life insurance, TPD, income protection, all that fun stuff.\n\nIs there anything you need on the insurance front this year? Yep. I mean, generally speaking, life insurance and TPD covers debts, and you've got more capital than you do liabilities. So that's okay. And income protection is just to, you know, keep things going if you're out for six months, which I think even health wise you'd gone through with the echocardiograms before.\n\nYep. And bit of blood pressure medication still going? Yeah. So if we get to a point where you wanna look at, like, income protection cover, I've gotta be careful on the health side of things because any blood pressure issues may cause loadings where it goes, yep. It's $2 initially, but we're gonna add 50%, a 100% extra price on it.\n\nIt jumps up very quickly. So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to. Yep. A part of self managed super funds is they you have to have considered protection. And when we do a a new statement of advice plan, we do put considerations in there or at least recommend it, and then you can say, yes.\n\nIt's been considered or not. K. So I'll park that for now. Estate planning wise, were you putting in place like a will or a power of attorney or anything like that? K.\n\nBecause you're still single at the moment. Right? K. Just thinking someone of your asset base at some point would be nice to at least have, like, the power of attorney in place. So if you're in hospital, someone can access the bank accounts, keep the mortgage repayments going, make sure things aren't going awry, talk to the doctors and things like that.\n\nIn terms of so I'm just having a look at your hub account. Beneficiaries, did you have anyone that you were trying to leave the super to? Yeah. And, look, it's one of those things where if you don't have like that, they call it a sys act dependent, like a spouse or a child, Your super with no nomination just goes to your estate anyway where it'll filter through. There's no nomination, so it kind of forms part of everything else, and someone's gonna have to go to the courts and say, hey.\n\nThis guy's got half $1,000,000 and all $600 of ETFs in a property, and who gets it? So without a nomination, it will go through the public system over time. K? But if there's anything that we can put in place when you find someone, just let us know. Cool.\n\nWhen it comes to the Hub Super, I know you do a lot of trading. Do you keep an eye on the super side every now and then? Or always fun. K. Do you want me to do any password resets for Hub?\n\nYep. One of the handy tools for Hub is the website login is much better than the app. So it's much easier to get in. And when you're in, it's a bit more easy on the eyes in terms of reporting, but we've got all the yeah. Any in-depth reports that you need, we can generate 47 different types of reports because it's quite an in-depth platform.\n\nIt's a wrap platform. It's got all the bells, whistles, and features. So we've got access to all of that for you anyway as well. In terms of the portfolio side of things, so a couple of things I need to make you aware of is just pulling up your portfolio. So you're in the high growth, obviously, 4.5 out of five on the risk scale, 90% shares property and gold.\n\nNot very much in safe side of things. Obviously, just trying to get the high long term returns. It's a bit of a fifty fifty. We it's got some defensive aspects, but, obviously, the volatility that you can see, I'm not gonna put a 70 year old retiree into it, and then it goes down 40 percent and all that kind of thing. So we call that an alternative, and that's a bit of a fifty fifty split.\n\nK? Outside of that, I'm looking at the the average returns we're looking for for high growth is a consistent double digit, 10% or above. You've still cleared 11 and a half percent after fees, so it's hit it pretty well even with a bit of a jitters in March. When you go through the portfolio table, you'll see all of the investment options with a return on the right hand column, and anything that's a percentage is growth. Anything in brackets is a negative.\n\nAnd then the second page gives you your total portfolio return. So what I wanted to point out is the Benelong Australian shares is one that I've put a bit of a flag on because that level of drop for an Australian equities option is higher than all the other options at the moment. That's a bit more volatile than I would have liked. Everything else, your defensive portion's up 4%. That's pretty standard for fixed interest.\n\nBattery tech and electric vehicles is up 92%. Amazing. Gold's up 20 two. Your S and P five hundred's up 16%. China's up 19%.\n\nProperty's flat. So all the options except for one have done really well. The question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for it. Outside of that, yeah, for that Australian shares portion. So I can replace it with anything in terms of active or passive and find a good option to sidestep it into.\n\nThe most I would give it is maybe six months, but even then, it would be one to really keep a close eye on. I reckon give it a little bit of time, see how it goes. If it doesn't bounce back, I really wanna ask you in terms of replacement options. Preferred style, do you want me to replace it with an active option or a passive option? Go low fees or or keep trying to beat the market.\n\nSo what I'm thinking is your yeah. So the the Benelong is currently 0.99%, and it's supposed to obviously get returns higher than the Aussie market. So the the a 200 ETF, that's your passive, that's 0.2 for the passive option. There are other active options which are a little bit more affordable, a little bit better performance as well. There's a couple that we've been researching recently to have as alternatives.\n\nSo what I'm basically saying with your portfolio is most of it is in passive ETFs. You've got a little bit in the active side. The active side's kind of been dragging its feet a little bit. I can either replace it with an active fund that's been doing the right thing or just go full passive across the whole super. Yep.\n\nSo what I might do, if it's okay with you, is I can do that now in terms of I'll put together a statement of advice with the replacement option that I research, send that through to you so you can have a look and make sure you're okay with what we're doing and why. And then we can do a bit of a rebalance and and touch up the old do an engine tune across the whole lot. Cool. Now it'll be a couple of weeks just because I'm about to go on paternity leave. Got the third baby on the way.\n\nAnd thank you. So I'll get the team to research it in the background. And then as soon as I get back into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update. Cool. In terms of, like, contributions and things like that, you're doing a lot of personal investment.\n\nDo you need me to look at any salary sacrifice for the super or happy just to let the employer contributions and growth carry things? K. If you do any like, you mentioned that major sale and obviously a bit of tax comes at the back of it. If you wanna do any lump sum contributions to kind of drop the tax down a little bit in those years where you sell personal investments, we can obviously help you with it in terms of the forms and things like that. But for now, I'll just base the plan on current portfolio versus an updated one with your employer contributions coming in, and I'll just do an updated projection based off that.\n\nCool. So this is a twelve month snapshot, and it splits it between dividends and capital growth. Yeah. Yep. Income is basically just dividends, distributions out from the ETFs.\n\nYou're not very distribution heavy. It's mainly capital. You know? The gold doesn't distribute. Most of the shares and property don't either.\n\nThat's correct. Cool. Alright. Any other questions on the super side of things? K.\n\nSo I'll get you penciled in for they'll give you a call in a couple of weeks just to book in with me for the updated portfolio. I've put a note on your account to catch up in six months about whether we go to SMSF, and we can have a bit of a relook at insurances and things like that at that point. Yeah. Go for it. Yes.\n\nMy apologies. It's usually my favorite thing to do in a review. So you were consolidated up to a 113,000 initially. And, basically, looking at the story, like, you've got a bit of a graph that shows you the the capital value. And you basically went $1.13 up to $1.40, drops down to $1.26 in April of last year.\n\nYou will on the login, you'll be able to access that on the main dashboard. You should be able to switch between percentage and dollar value. Yeah. That's more educational material for people that don't know how the stock market and different asset classes work. Correct.\n\nI'm just having a look at the recent twelve months as well. Yeah. Yep. So it was in March March 2024. So we just hit two years and two months.\n\nSo Twelve months, we've got your one forty. Now you're just shy of one seventy. And then the interesting thing about the way the super works, because it's percentage based returns, is it's just starting to accelerate. Because every 10% now, we're talking 15 to 20 grands, up to 30, up to 40, and then it's just gonna kind of take off. But then, obviously, at some point, we reduce the risk down because you probably don't wanna be high risk at 59 and lose half $1,000,000 a year before you go to live on it.\n\nYeah. So if you're okay with that, that's cool. If at any point you wanna go an extra step above, go a bit more aggressive even, look at possibly leverage options and things like that, we can discuss it. I probably wouldn't recommend it this minute. Yeah.\n\nLook. A bit of never went astray. Yeah. Yeah. Wow.\n\nI'm just having a look at a graph of it now, but that's were you playing around with it in 2021? Yeah. GDXD, was that 2122? Yeah. Right.\n\nWow. Okay. Yeah. Yeah. See, that's the thing that I've got to be careful with when it comes, like, the super, right, is because you can build up all of this wealth personally with all these investments.\n\nBut if I just get you a consistent 10% after fees every single year until 60, that's that easy 1 to 2 mil, and you're putting that retirement sorted. The moment I chuck into something leveraged now and all of a sudden it's crashing, and then we can't afford to do the SMSF, and then all of a sudden it's just we can go aggressive with it, but we just don't do anything too crazy with people's retirement funds. Yeah. It has been an interesting twelve months, though. That's for sure.\n\nWe'll have a bit of fun along the way. Oh, mate. Who knows? I'll I'll plead that I need to look after people's retirement savings or something. Alrighty.\n\nBut any other questions on the super at the moment? Cool. If you are comfortable with the the services so far, we have attached in the the sign section an updated service agreement. So just to let you know, it's the usual 1.65% split across the monthly payments. The super fund claims a 15% tax rebate off of that for any expense inside super.\n\nNow that's a twelve month consent. It's not a lock in contract for twelve months. And, obviously, we've got six month catch up for some advice and then an annual review after that. I will get your password reset with Hub. Give you a bit of a look on the website, see if that works a bit better for you.\n\nWe've got about six or seven different brokers. Just depends on what type of loan you need. Borrowing to invest. Yeah. No.\n\nThat's not cool. Okay. So I'm just having a bit of a think. I might put you on to I'll send an email through for Brook, one of the other brokers that we've got. Their specialty is property, tax debt loans, and they've also got access to, you know, second tier lenders and things like that.\n\nSo at least they can give you a landscape of what's possible out there besides just the the bank up front. Yeah. Yeah. And I think one of the interesting strategies I was talking to him about last week actually was we got a couple of self employed guys with big ATO debts. And rather than paying it off over twelve to twenty four months, they're just kind of getting those loans to stretch it out over five years, lower the repayments, and keep more cash in the pocket.\n\nSo couple of things out there might be possible. I can just make an introduction and you can see. Yeah. Yep. I get you.\n\nAlright. Yeah. So there'll be a few split emails. I'll do a separate introduction to a broker, see how they go with the options. The password reset will probably come from hub directly to you.\n\nAnd then you've got that email there for the annual review today. Then in about three weeks' time, team will book you in. I'll send you through that statement of advice for the portfolio update. Cool. Alrighty.\n\nSteven, it's been an absolute pleasure. Keep on keeping on. You're doing well. Any other questions for me, Matt? Thank you so much.\n\nAppreciate that, mate. If you need anything else, just call back in, and the team will sort you out. You too. Cheers.","paragraphs":[{"sentences":[{"text":"Steven, good afternoon.","start":4.08,"end":5.12,"sentiment":"neutral","sentiment_score":0.26199499766031903},{"text":"It's Tommy, senior adviser from Oakview Financial.","start":5.12,"end":7.52,"sentiment":"neutral","sentiment_score":0.17933648186070578},{"text":"How are you going?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.178327739238739},{"text":"I'm doing fantastic.","start":10.48,"end":11.7,"sentiment":"positive","sentiment_score":0.7208854556083679},{"text":"I'm just giving you a call to go through your annual review.","start":11.84,"end":14.5,"sentiment":"positive","sentiment_score":0.36801857873797417}],"sentiment":"neutral","sentiment_score":0.32184588395316027,"num_words":29,"start":4.08,"end":14.5},{"sentences":[{"text":"Have I caught you out and about at the moment, sir?","start":17.065,"end":19.404999,"sentiment":"neutral","sentiment_score":0.025621170347387142},{"text":"Oh, that's always the drama.","start":23.865,"end":25.404999,"sentiment":"neutral","sentiment_score":0.03726309612393379},{"text":"Cool.","start":27.72,"end":28.12,"sentiment":"neutral","sentiment_score":0.27101612091064453},{"text":"Now are you okay if I go through about it probably takes about twenty, thirty minutes or so?","start":28.12,"end":34.14,"sentiment":"neutral","sentiment_score":0.09074465123315652},{"text":"Perfect.","start":37.239998,"end":37.72,"sentiment":"positive","sentiment_score":0.4172244668006897}],"sentiment":"neutral","sentiment_score":0.0774942406763633,"num_words":36,"start":17.065,"end":37.72},{"sentences":[{"text":"So what I'm gonna do is I'm just gonna do a quick security check with you.","start":37.72,"end":41.385,"sentiment":"neutral","sentiment_score":0.2071416904218495},{"text":"I'll send through your annual review pack, but because you are driving, I'll just leave that with you to review after the call as well.","start":41.465,"end":48.125,"sentiment":"neutral","sentiment_score":0.1562945982813835},{"text":"We have a bit of a new system, so I'm just gonna update a couple of details, run through any plan changes in your strategies, and then I can pretty much let you go.","start":49.385,"end":56.49,"sentiment":"neutral","sentiment_score":0.11760212196146741},{"text":"Perfect.","start":58.97,"end":59.47,"sentiment":"neutral","sentiment_score":0.2525074779987335},{"text":"So just for security, so I'm registered with ASIC as adviser 1273105.","start":59.61,"end":65.630005,"sentiment":"neutral","sentiment_score":0.12162854460378487}],"sentiment":"neutral","sentiment_score":0.1469562973149798,"num_words":88,"start":37.72,"end":65.630005},{"sentences":[{"text":"We don't have a security question on file.","start":65.85,"end":68.97,"sentiment":"neutral","sentiment_score":0.0458697653375566},{"text":"Could you please confirm your date of birth and address?","start":68.97,"end":71.950005,"sentiment":"neutral","sentiment_score":0.04995131120085716},{"text":"Sensational.","start":79.955,"end":80.455,"sentiment":"neutral","sentiment_score":0.04602127894759178},{"text":"And are you okay for the call to be recorded?","start":80.595,"end":82.455,"sentiment":"neutral","sentiment_score":0.025388186611235142},{"text":"Perfect.","start":84.45,"end":84.95,"sentiment":"neutral","sentiment_score":0.17029473185539246}],"sentiment":"neutral","sentiment_score":0.044555637054145336,"num_words":30,"start":65.85,"end":84.95},{"sentences":[{"text":"Alright.","start":85.09,"end":85.409996,"sentiment":"neutral","sentiment_score":0.1336546093225479},{"text":"Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com.","start":85.409996,"end":92.29,"sentiment":"neutral","sentiment_score":0.11458484642207623},{"text":"Is that okay?","start":92.29,"end":93.11,"sentiment":"neutral","sentiment_score":0.10156351079543431},{"text":"Cool.","start":94.77,"end":95.09,"sentiment":"neutral","sentiment_score":0.2285444438457489},{"text":"So I'll send that through to you now just so you've got it.","start":95.09,"end":97.25,"sentiment":"neutral","sentiment_score":0.25386591943410725}],"sentiment":"neutral","sentiment_score":0.17060306120444746,"num_words":34,"start":85.09,"end":97.25},{"sentences":[{"text":"Just to let you know what's coming, it's got an updated financial services guide, performance report, an overview services guide, and the service agreement as well.","start":97.25,"end":107.435,"sentiment":"neutral","sentiment_score":0.16959327144118455},{"text":"So I'll pop that through just so it goes through the old email system for later.","start":108.534996,"end":113.675,"sentiment":"neutral","sentiment_score":0.08718476933427155},{"text":"Was there anything in particular that you were hoping to get out of this annual review?","start":115.14,"end":118.600006,"sentiment":"neutral","sentiment_score":0.06753333052620292},{"text":"Obviously, just a bit of a general update, make sure it's all going well.","start":123.86,"end":127.240005,"sentiment":"neutral","sentiment_score":0.044723967356341224},{"text":"Perfect.","start":128.745,"end":129.225,"sentiment":"positive","sentiment_score":0.6157379746437073}],"sentiment":"neutral","sentiment_score":0.1113258653817928,"num_words":73,"start":97.25,"end":129.225},{"sentences":[{"text":"So I'm just gonna quickly run through the details that we've got because new system, just wanna make sure there hasn't been any significant changes, and then I'll run through the super performance if that's okay.","start":129.225,"end":138.925,"sentiment":"neutral","sentiment_score":0.3006919210569726},{"text":"Cool.","start":140.6,"end":141.1,"sentiment":"positive","sentiment_score":0.44163453578948975},{"text":"Just checking goals wise from when you came on board to recently.","start":142.20001,"end":146.04001,"sentiment":"positive","sentiment_score":0.4291592538356781},{"text":"So the overarching goal that we're planning is a nice early retirement at least the age of 60, which is when you can access your super with 2,000 a week tax free coming out with, obviously, the mortgage paid off is kind of the ideal situation.","start":146.04001,"end":160.785,"sentiment":"positive","sentiment_score":0.5021461164173873},{"text":"K?","start":163.80501,"end":164.30501,"sentiment":"neutral","sentiment_score":0.1809469014406204}],"sentiment":"positive","sentiment_score":0.4135012812136362,"num_words":96,"start":129.225,"end":164.30501},{"sentences":[{"text":"Outside of that, you were basically focusing on your career, paying down the mortgage, and just focusing on the property side of things.","start":165.645,"end":173.13,"sentiment":"neutral","sentiment_score":0.14664236002642175},{"text":"Anything else in particular on the go for you at the moment?","start":173.75,"end":176.97,"sentiment":"neutral","sentiment_score":0.06683826570709546},{"text":"I was just focusing on paying down the mortgage.","start":183.765,"end":186.405,"sentiment":"neutral","sentiment_score":0.0012046022133694754},{"text":"It says pay down the mortgage your parents stay in over the next five years.","start":186.405,"end":190.265,"sentiment":"neutral","sentiment_score":0.013855206097165744},{"text":"Yep.","start":197.54001,"end":197.86,"sentiment":"neutral","sentiment_score":0.04765348136425018}],"sentiment":"neutral","sentiment_score":0.07401927436391513,"num_words":60,"start":165.645,"end":197.86},{"sentences":[{"text":"So no extra repayments or any speed on that one?","start":197.86,"end":200.52,"sentiment":"neutral","sentiment_score":0.011481384932994842},{"text":"Yep.","start":203.62001,"end":204.12001,"sentiment":"neutral","sentiment_score":0.11131535470485689},{"text":"Perfect.","start":205.22,"end":205.72,"sentiment":"neutral","sentiment_score":0.2761162519454956},{"text":"Yep.","start":211.315,"end":211.815,"sentiment":"neutral","sentiment_score":0.061169177293777466},{"text":"Sensational.","start":212.195,"end":212.695,"sentiment":"neutral","sentiment_score":0.03662235662341118}],"sentiment":"neutral","sentiment_score":0.04285978499267783,"num_words":14,"start":197.86,"end":212.695},{"sentences":[{"text":"I'm just having a look at the assets and liabilities here.","start":213.155,"end":215.63501,"sentiment":"neutral","sentiment_score":0.03036717748777433},{"text":"Just let me know if this is right.","start":215.63501,"end":216.99501,"sentiment":"neutral","sentiment_score":0.05589409777894616},{"text":"So we've got the main residence.","start":216.99501,"end":219.235,"sentiment":"neutral","sentiment_score":0.04300197958946228},{"text":"It says the mortgage is obviously the one that your parents are covering.","start":219.235,"end":223.12999,"sentiment":"neutral","sentiment_score":0.03334216415308989},{"text":"So 400,000 owing and a value of about $8.50.","start":223.43,"end":227.45,"sentiment":"neutral","sentiment_score":0.027816227533751063}],"sentiment":"neutral","sentiment_score":0.03665952753037848,"num_words":47,"start":213.155,"end":227.45},{"sentences":[{"text":"K.","start":229.67,"end":230.17,"sentiment":"neutral","sentiment_score":0.045633286237716675},{"text":"We had in terms of other assets, you had a car at a $100 worth of savings and around about 400,000 in gold ETFs.","start":230.31,"end":238.95499,"sentiment":"neutral","sentiment_score":0.07591208117082715},{"text":"K.","start":243.415,"end":243.73499,"sentiment":"neutral","sentiment_score":-0.14002539217472076},{"text":"Is that jumped up a lot?","start":243.73499,"end":244.69499,"sentiment":"neutral","sentiment_score":0.036935714383920036},{"text":"I know gold kind of soared towards the end of last year and then came back down a bit.","start":244.69499,"end":248.52,"sentiment":"neutral","sentiment_score":-0.06331111103492348}],"sentiment":"neutral","sentiment_score":0.014631392525545522,"num_words":51,"start":229.67,"end":248.52},{"sentences":[{"text":"Yeah.","start":256.68,"end":257.18,"sentiment":"neutral","sentiment_score":0.06862742453813553},{"text":"Yep.","start":272.45502,"end":272.79,"sentiment":"neutral","sentiment_score":0.07903831452131271},{"text":"Okay.","start":275.43002,"end":275.83002,"sentiment":"neutral","sentiment_score":0.03956570103764534},{"text":"And then those stocks, is that just in, like, a, like, a standard Vanguard international ETF or something?","start":275.83002,"end":282.65,"sentiment":"neutral","sentiment_score":0.011161634801990457},{"text":"GDX.","start":290.645,"end":291.145,"sentiment":"neutral","sentiment_score":-0.007459371350705624}],"sentiment":"neutral","sentiment_score":0.017303704326464373,"num_words":22,"start":256.68,"end":291.145},{"sentences":[{"text":"Yeah.","start":291.365,"end":291.865,"sentiment":"neutral","sentiment_score":0.0646205022931099},{"text":"Fair.","start":292.405,"end":292.905,"sentiment":"neutral","sentiment_score":0.09686489403247832},{"text":"Fair.","start":292.965,"end":293.445,"sentiment":"neutral","sentiment_score":0.09406758844852448},{"text":"Done alright.","start":293.445,"end":294.26498,"sentiment":"neutral","sentiment_score":0.13378183543682098},{"text":"It actually managed.","start":295.365,"end":296.425,"sentiment":"neutral","sentiment_score":0.14776237308979034}],"sentiment":"neutral","sentiment_score":0.12080047186464071,"num_words":8,"start":291.365,"end":296.425},{"sentences":[{"text":"Okay.","start":297.86002,"end":298.36002,"sentiment":"neutral","sentiment_score":0.0488697774708271},{"text":"Yep.","start":302.98,"end":303.48,"sentiment":"neutral","sentiment_score":0.029883278533816338},{"text":"Right.","start":305.7,"end":306.1,"sentiment":"neutral","sentiment_score":0.0504663847386837},{"text":"Savings about 20 k.","start":306.1,"end":307.38,"sentiment":"neutral","sentiment_score":0.059179602190852165},{"text":"Perfect.","start":307.38,"end":307.88,"sentiment":"neutral","sentiment_score":0.24555087089538577}],"sentiment":"neutral","sentiment_score":0.07643609005026519,"num_words":8,"start":297.86002,"end":307.88},{"sentences":[{"text":"No other loans or anything pop up?","start":308.9,"end":310.785,"sentiment":"neutral","sentiment_score":-0.08186048535364014},{"text":"No way.","start":314.545,"end":314.945,"sentiment":"negative","sentiment_score":-0.4615446776151657},{"text":"With all that capital behind you, the banks won't give you a loan.","start":314.945,"end":317.605,"sentiment":"negative","sentiment_score":-0.43944311371216405},{"text":"Oh, jeez.","start":326.87997,"end":327.46,"sentiment":"neutral","sentiment_score":-0.12274011969566345},{"text":"Okay.","start":327.68,"end":328.08,"sentiment":"neutral","sentiment_score":-0.07315701991319656}],"sentiment":"neutral","sentiment_score":-0.30110041961073875,"num_words":25,"start":308.9,"end":328.08},{"sentences":[{"text":"Is that what type of loan were you trying to go for?","start":328.08,"end":330.34,"sentiment":"neutral","sentiment_score":-0.055563370076318584},{"text":"Yeah.","start":338.015,"end":338.515,"sentiment":"neutral","sentiment_score":-0.04611654952168465},{"text":"Wow.","start":357.94998,"end":358.44998,"sentiment":"neutral","sentiment_score":-0.24615277349948883},{"text":"It's weird.","start":358.66998,"end":359.22998,"sentiment":"neutral","sentiment_score":-0.2924215793609619},{"text":"It's like you you're kind of my hero in a certain way because I was going through a similar similar pathway with the property and the gold and things like that.","start":359.22998,"end":367.205,"sentiment":"neutral","sentiment_score":-0.01307316713275448}],"sentiment":"neutral","sentiment_score":-0.041471087314347004,"num_words":47,"start":328.08,"end":367.205},{"sentences":[{"text":"And when you get to that asset level, the not being able to get a $100 in a loan is a bit strange, but, you know, cash flow is always the thing.","start":367.205,"end":375.52,"sentiment":"neutral","sentiment_score":-0.19962971797212958},{"text":"Speaking of cash flow, we had you working field services IT for Unisys, about 110 k.","start":377.66,"end":385.035,"sentiment":"neutral","sentiment_score":0.03432248020544648},{"text":"Yep.","start":386.635,"end":386.95502,"sentiment":"neutral","sentiment_score":0.16616086661815643},{"text":"And still able to put aside a solid thousand a week in savings.","start":386.95502,"end":390.015,"sentiment":"neutral","sentiment_score":0.26679667142721325},{"text":"K.","start":397.77,"end":398.09,"sentiment":"neutral","sentiment_score":0.04776638746261597}],"sentiment":"neutral","sentiment_score":-0.03423344935216601,"num_words":63,"start":367.205,"end":398.09},{"sentences":[{"text":"And are you focusing on the cash flow?","start":398.09,"end":399.84998,"sentiment":"neutral","sentiment_score":0.06138776894658804},{"text":"Because I know you said the mortgage is just regular repayments and so on.","start":399.84998,"end":403.05,"sentiment":"neutral","sentiment_score":0.037887840398720334},{"text":"Are you gonna focus on more investments?","start":403.05,"end":405.78998,"sentiment":"neutral","sentiment_score":0.03678747532623155},{"text":"Awesome.","start":427.24,"end":427.63998,"sentiment":"positive","sentiment_score":0.4930649399757385},{"text":"I'm assuming stake will be okay to do a bit of an in specie transfer onto their platform so at least it's all on the login for you.","start":427.63998,"end":433.695,"sentiment":"neutral","sentiment_score":0.23396676033735275}],"sentiment":"neutral","sentiment_score":0.1435030771355177,"num_words":58,"start":398.09,"end":433.695},{"sentences":[{"text":"So one of the things that I've done a few times for people, just for, like, self managed super funds is they had a whole bunch of shares sitting in different trading accounts with Comsec and Navtrade and so on.","start":438.17502,"end":449.43,"sentiment":"neutral","sentiment_score":0.1018047290854156},{"text":"And we were using Macquarie at the time.","start":449.66998,"end":451.75,"sentiment":"neutral","sentiment_score":0.055857662577182055},{"text":"In Macquarie Base, we said, you can fill out all your your cost base paperwork for when you got them and everything, and they were gonna, like, bring those assets onto the platform.","start":451.75,"end":460.63,"sentiment":"neutral","sentiment_score":0.09249183230779388},{"text":"So at least it was on the login alongside your other investments.","start":460.63,"end":463.93,"sentiment":"neutral","sentiment_score":0.10725712031126022},{"text":"And I know Stake does it for domestic.","start":465.925,"end":468.26498,"sentiment":"neutral","sentiment_score":0.03673023218289018}],"sentiment":"neutral","sentiment_score":0.09061592308306458,"num_words":101,"start":438.17502,"end":468.26498},{"sentences":[{"text":"They don't do it for international, I think.","start":468.645,"end":471.54498,"sentiment":"neutral","sentiment_score":-0.07677632942795753},{"text":"Yep.","start":476.98,"end":477.48,"sentiment":"neutral","sentiment_score":0.00128665822558105},{"text":"Yeah.","start":481.94,"end":482.26,"sentiment":"neutral","sentiment_score":-0.12929673492908478},{"text":"Look.","start":482.26,"end":482.5,"sentiment":"neutral","sentiment_score":-0.1269380748271942},{"text":"It is painful.","start":482.5,"end":483.4,"sentiment":"negative","sentiment_score":-0.33990012605985004}],"sentiment":"neutral","sentiment_score":-0.13491851179527917,"num_words":14,"start":468.645,"end":483.4},{"sentences":[{"text":"But it's possible.","start":483.7,"end":485.80002,"sentiment":"neutral","sentiment_score":-0.10599715759356816},{"text":"Possible, painful.","start":485.86002,"end":486.84,"sentiment":"neutral","sentiment_score":-0.1946609616279602},{"text":"Yeah.","start":493.155,"end":493.475,"sentiment":"neutral","sentiment_score":0.1694575846195221},{"text":"Yep.","start":493.475,"end":493.975,"sentiment":"neutral","sentiment_score":0.2362450659275055},{"text":"Absolutely.","start":494.035,"end":494.535,"sentiment":"neutral","sentiment_score":0.31549006700515747}],"sentiment":"neutral","sentiment_score":0.0017349151894450188,"num_words":8,"start":483.7,"end":494.535},{"sentences":[{"text":"Now are you after any kind of investment advice from Oakview, or is it more just handle the super and you're gonna keep investing this personally?","start":495.715,"end":504.13498,"sentiment":"neutral","sentiment_score":0.09963766814997563},{"text":"Yeah.","start":516.42004,"end":516.92004,"sentiment":"neutral","sentiment_score":-0.012582281604409218},{"text":"No.","start":516.98004,"end":517.14,"sentiment":"neutral","sentiment_score":-0.04543270915746689},{"text":"So with the self managed, I guess, the more standard setup that we do is when people, like, borrowing to get investment properties.","start":517.14,"end":524.55505,"sentiment":"neutral","sentiment_score":0.010326275035091068},{"text":"Right?","start":524.55505,"end":525.05505,"sentiment":"neutral","sentiment_score":0.022023094817996025}],"sentiment":"neutral","sentiment_score":0.05369407311081886,"num_words":52,"start":495.715,"end":525.05505},{"sentences":[{"text":"So you get an accountant.","start":525.195,"end":527.03503,"sentiment":"neutral","sentiment_score":0.06301243230700493},{"text":"The accountant sets up a trust fund and a corporate trustee, like a company.","start":527.03503,"end":531.61505,"sentiment":"neutral","sentiment_score":0.07668461437736239},{"text":"We go through and do the plan to say, okay.","start":531.89,"end":533.73,"sentiment":"neutral","sentiment_score":0.1180150680243969},{"text":"We're gonna use this bank account and this investment platform.","start":533.73,"end":536.63,"sentiment":"neutral","sentiment_score":0.1330579176545143},{"text":"You're with Hub at the moment.","start":536.85,"end":538.13,"sentiment":"neutral","sentiment_score":0.1263824130098025}],"sentiment":"neutral","sentiment_score":0.10350380217035611,"num_words":45,"start":525.195,"end":538.13},{"sentences":[{"text":"Right?","start":538.13,"end":538.37,"sentiment":"neutral","sentiment_score":0.10099869966506958},{"text":"So as an example, use Hub as the investment account, bank account for the cash, put it all together, buy the property, anything in excess of that, just invest it along the side of it kind of thing.","start":538.37,"end":550.995,"sentiment":"neutral","sentiment_score":0.1446588970720768},{"text":"So it's something that we do do similar to like, hub's also got investment accounts as an example.","start":551.135,"end":558.11505,"sentiment":"neutral","sentiment_score":0.12206252788503964},{"text":"So if you wanted to have, like, an investment platform next to your super fund, you can kind of link them up, and it helps reduce your admin fees, and you've got access to all the same ETFs, stocks, managed funds, and everything as well.","start":558.29004,"end":571.91003,"sentiment":"neutral","sentiment_score":0.28931056525972154},{"text":"So, yeah, personal investing in SMSF, we do a little bit of.","start":571.97003,"end":575.495,"sentiment":"neutral","sentiment_score":0.16858811303973198}],"sentiment":"neutral","sentiment_score":0.20032627266227154,"num_words":114,"start":538.13,"end":575.495},{"sentences":[{"text":"K.","start":577.475,"end":577.975,"sentiment":"neutral","sentiment_score":0.07208940386772156},{"text":"Yeah.","start":585.97,"end":586.37,"sentiment":"neutral","sentiment_score":0.07403457164764404},{"text":"And I think one of the things that we gotta do is, obviously, there's been a few changes in the budget recently, and there's gonna be a big surge in people going to SMSFs.","start":586.37,"end":595.67,"sentiment":"neutral","sentiment_score":0.06130950032349895},{"text":"And whenever that happens, because if property negative gearing capital gains changes affect, again, shares, gold ETFs, and property, it's gonna cause a fluctuation of people into SMSF.","start":596.29,"end":609.955,"sentiment":"neutral","sentiment_score":-0.032849418465048075},{"text":"And the next step is the government then jumps on that and tries to find out what goals they wanna change on that side of things.","start":610.22003,"end":615.36,"sentiment":"neutral","sentiment_score":0.06813562446488784}],"sentiment":"neutral","sentiment_score":0.034248772284222975,"num_words":90,"start":577.475,"end":615.36},{"sentences":[{"text":"So I would love to be like, yeah, man.","start":616.7,"end":618.46,"sentiment":"positive","sentiment_score":0.4098156342903773},{"text":"Let's go for it.","start":618.46,"end":619.26,"sentiment":"positive","sentiment_score":0.5530637800693512},{"text":"We'll set this up, and I'll charge you this, and we'll do this, and there'll be heaps of fun, and you'll get all this.","start":619.26,"end":623.5,"sentiment":"positive","sentiment_score":0.5018410260478655},{"text":"And then six months later, the government says, yeah.","start":623.5,"end":625.915,"sentiment":"neutral","sentiment_score":0.1606413573026657},{"text":"We've changed these rules on SMSF because everyone's it's the flavor of the week.","start":625.915,"end":629.615,"sentiment":"neutral","sentiment_score":0.2610046224934714}],"sentiment":"positive","sentiment_score":0.38407695641120276,"num_words":60,"start":616.7,"end":629.615},{"sentences":[{"text":"So if you're comfortable with it, what I would like to do is just park it for six to twelve months, wait for it to kind of filter through the political system first.","start":630.95496,"end":640.53,"sentiment":"neutral","sentiment_score":0.10392257142247575},{"text":"And then if it's still a good plan and they're not changing too much, we can then dive into that together.","start":640.69,"end":646.15,"sentiment":"neutral","sentiment_score":0.17198215070224943},{"text":"Yep.","start":648.45,"end":648.93005,"sentiment":"positive","sentiment_score":0.3734283447265625},{"text":"Cool.","start":648.93005,"end":649.43005,"sentiment":"neutral","sentiment_score":0.06452979892492294},{"text":"I'll put a flag on the account there because we obviously touched base during the reviews, and I'll put a note to talk about that next time as well.","start":649.81006,"end":656.805,"sentiment":"neutral","sentiment_score":0.1038922786969563}],"sentiment":"neutral","sentiment_score":0.12343416761826066,"num_words":85,"start":630.95496,"end":656.805},{"sentences":[{"text":"We usually do, like, annual reviews, but also offer quarterly catch ups, six monthly reviews, and so on.","start":658.54504,"end":664.305,"sentiment":"neutral","sentiment_score":0.1113155372440815},{"text":"Do you want me to pencil anything in for, say, six months' time or just maybe wait for that next review and go through it then?","start":664.305,"end":670.68,"sentiment":"neutral","sentiment_score":0.081922086672141},{"text":"Yep.","start":674.27997,"end":674.68,"sentiment":"neutral","sentiment_score":0.27641087770462036},{"text":"So just before Christmas time would be good.","start":674.68,"end":676.94,"sentiment":"positive","sentiment_score":0.3693300820887089},{"text":"That should give us, again, 90% chance to know what's going on with legislation.","start":678.68,"end":683.18,"sentiment":"neutral","sentiment_score":0.2512428616838796}],"sentiment":"neutral","sentiment_score":0.16241948540086176,"num_words":67,"start":658.54504,"end":683.18},{"sentences":[{"text":"So I think that'll be good timing if you're okay with that.","start":684.145,"end":687.445,"sentiment":"neutral","sentiment_score":0.2936552440126737},{"text":"Okay.","start":689.825,"end":690.325,"sentiment":"neutral","sentiment_score":0.1905544400215149},{"text":"Outside of that, I'm gonna jump into the super for a quick sec, but there was, I think, previous quotes for, like, insurances and things like that.","start":691.105,"end":699.68,"sentiment":"neutral","sentiment_score":0.11613513018797945},{"text":"You've got a very healthy asset base.","start":699.68,"end":702.66003,"sentiment":"positive","sentiment_score":0.427857722554888},{"text":"I don't see any life insurance, TPD, income protection, all that fun stuff.","start":703.76,"end":707.78,"sentiment":"neutral","sentiment_score":-0.13329074130608484}],"sentiment":"neutral","sentiment_score":0.1352048384025693,"num_words":60,"start":684.145,"end":707.78},{"sentences":[{"text":"Is there anything you need on the insurance front this year?","start":707.84,"end":711.22003,"sentiment":"neutral","sentiment_score":-0.07083229991522702},{"text":"Yep.","start":715.305,"end":715.785,"sentiment":"neutral","sentiment_score":0.01353333331644535},{"text":"I mean, generally speaking, life insurance and TPD covers debts, and you've got more capital than you do liabilities.","start":715.785,"end":722.44495,"sentiment":"neutral","sentiment_score":-0.016531227291316578},{"text":"So that's okay.","start":722.985,"end":723.96497,"sentiment":"neutral","sentiment_score":0.04476622864603996},{"text":"And income protection is just to, you know, keep things going if you're out for six months, which I think even health wise you'd gone through with the echocardiograms before.","start":725.14,"end":735.48,"sentiment":"neutral","sentiment_score":0.0016916315692166487}],"sentiment":"neutral","sentiment_score":-0.013979182051116368,"num_words":64,"start":707.84,"end":735.48},{"sentences":[{"text":"Yep.","start":738.835,"end":739.23505,"sentiment":"neutral","sentiment_score":0.010921897366642952},{"text":"And bit of blood pressure medication still going?","start":739.23505,"end":742.85504,"sentiment":"neutral","sentiment_score":-0.05406612274236977},{"text":"Yeah.","start":745.47504,"end":745.875,"sentiment":"neutral","sentiment_score":-0.001831796020269394},{"text":"So if we get to a point where you wanna look at, like, income protection cover, I've gotta be careful on the health side of things because any blood pressure issues may cause loadings where it goes, yep.","start":745.875,"end":757.44,"sentiment":"neutral","sentiment_score":-0.08188591108314301},{"text":"It's $2 initially, but we're gonna add 50%, a 100% extra price on it.","start":757.44,"end":762.9,"sentiment":"neutral","sentiment_score":-0.014787558998380388}],"sentiment":"neutral","sentiment_score":-0.060356924640795874,"num_words":62,"start":738.835,"end":762.9},{"sentences":[{"text":"It jumps up very quickly.","start":764.815,"end":766.33496,"sentiment":"positive","sentiment_score":0.4281539797782898},{"text":"So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to.","start":766.33496,"end":771.63495,"sentiment":"neutral","sentiment_score":0.17942039489746095},{"text":"Yep.","start":776.75,"end":777.23,"sentiment":"neutral","sentiment_score":0.2578723430633545},{"text":"A part of self managed super funds is they you have to have considered protection.","start":777.23,"end":781.64996,"sentiment":"neutral","sentiment_score":0.16464946915706},{"text":"And when we do a a new statement of advice plan, we do put considerations in there or at least recommend it, and then you can say, yes.","start":782.11,"end":789.875,"sentiment":"neutral","sentiment_score":0.1857575582606452}],"sentiment":"neutral","sentiment_score":0.19669061868980126,"num_words":74,"start":764.815,"end":789.875},{"sentences":[{"text":"It's been considered or not.","start":789.875,"end":791.415,"sentiment":"neutral","sentiment_score":0.04626341462135315},{"text":"K.","start":793.71497,"end":794.035,"sentiment":"neutral","sentiment_score":0.060147836804389954},{"text":"So I'll park that for now.","start":794.035,"end":795.65497,"sentiment":"neutral","sentiment_score":0.09795100117723148},{"text":"Estate planning wise, were you putting in place like a will or a power of attorney or anything like that?","start":796.355,"end":801.9,"sentiment":"neutral","sentiment_score":0.022772882878780366},{"text":"K.","start":804.54004,"end":804.78,"sentiment":"neutral","sentiment_score":-0.06392890959978104}],"sentiment":"neutral","sentiment_score":0.03850605045304154,"num_words":33,"start":789.875,"end":804.78},{"sentences":[{"text":"Because you're still single at the moment.","start":804.78,"end":806.7,"sentiment":"neutral","sentiment_score":-0.12773946140493667},{"text":"Right?","start":806.7,"end":807.2,"sentiment":"neutral","sentiment_score":-0.029014740139245987},{"text":"K.","start":808.30005,"end":808.80005,"sentiment":"neutral","sentiment_score":0.030133360996842384},{"text":"Just thinking someone of your asset base at some point would be nice to at least have, like, the power of attorney in place.","start":810.86005,"end":817.315,"sentiment":"neutral","sentiment_score":0.0870341663248837},{"text":"So if you're in hospital, someone can access the bank accounts, keep the mortgage repayments going, make sure things aren't going awry, talk to the doctors and things like that.","start":817.315,"end":826.775,"sentiment":"neutral","sentiment_score":-0.008430171447495619}],"sentiment":"neutral","sentiment_score":0.014965987926910795,"num_words":63,"start":804.78,"end":826.775},{"sentences":[{"text":"In terms of so I'm just having a look at your hub account.","start":830.44995,"end":833.11,"sentiment":"neutral","sentiment_score":0.02348391940960517},{"text":"Beneficiaries, did you have anyone that you were trying to leave the super to?","start":833.32996,"end":838.14996,"sentiment":"neutral","sentiment_score":-0.021902606822550297},{"text":"Yeah.","start":845.105,"end":845.505,"sentiment":"neutral","sentiment_score":-0.08248955011367798},{"text":"And, look, it's one of those things where if you don't have like that, they call it a sys act dependent, like a spouse or a child, Your super with no nomination just goes to your estate anyway where it'll filter through.","start":845.505,"end":859.41,"sentiment":"neutral","sentiment_score":-0.08293280331417918},{"text":"There's no nomination, so it kind of forms part of everything else, and someone's gonna have to go to the courts and say, hey.","start":859.79,"end":865.73,"sentiment":"neutral","sentiment_score":-0.10472601683189471}],"sentiment":"neutral","sentiment_score":-0.06468550251559058,"num_words":94,"start":830.44995,"end":865.73},{"sentences":[{"text":"This guy's got half $1,000,000 and all $600 of ETFs in a property, and who gets it?","start":865.865,"end":870.845,"sentiment":"neutral","sentiment_score":-0.05595754847094855},{"text":"So without a nomination, it will go through the public system over time.","start":870.90497,"end":874.685,"sentiment":"neutral","sentiment_score":-0.05315502045246271},{"text":"K?","start":876.425,"end":876.665,"sentiment":"neutral","sentiment_score":0.027558883652091023},{"text":"But if there's anything that we can put in place when you find someone, just let us know.","start":876.665,"end":881.61,"sentiment":"neutral","sentiment_score":0.06358924321830273},{"text":"Cool.","start":883.85,"end":884.35,"sentiment":"neutral","sentiment_score":0.1995546519756317}],"sentiment":"neutral","sentiment_score":-0.005411473526619375,"num_words":50,"start":865.865,"end":884.35},{"sentences":[{"text":"When it comes to the Hub Super, I know you do a lot of trading.","start":885.37,"end":888.25,"sentiment":"neutral","sentiment_score":0.05092920313278834},{"text":"Do you keep an eye on the super side every now and then?","start":888.25,"end":890.57,"sentiment":"neutral","sentiment_score":0.026123888217485867},{"text":"Or always fun.","start":890.57,"end":900.505,"sentiment":"neutral","sentiment_score":0.12733783945441246},{"text":"K.","start":900.505,"end":900.825,"sentiment":"neutral","sentiment_score":0.035422034561634064},{"text":"Do you want me to do any password resets for Hub?","start":900.825,"end":903.885,"sentiment":"neutral","sentiment_score":0.038313690572977066}],"sentiment":"neutral","sentiment_score":0.04517290100108746,"num_words":43,"start":885.37,"end":903.885},{"sentences":[{"text":"Yep.","start":908.2,"end":908.7,"sentiment":"neutral","sentiment_score":0.2222263216972351},{"text":"One of the handy tools for Hub is the website login is much better than the app.","start":909.24,"end":915.18,"sentiment":"positive","sentiment_score":0.3661455582169926},{"text":"So it's much easier to get in.","start":917.08,"end":919.455,"sentiment":"positive","sentiment_score":0.3811486746583666},{"text":"And when you're in, it's a bit more easy on the eyes in terms of reporting, but we've got all the yeah.","start":919.455,"end":927.315,"sentiment":"neutral","sentiment_score":0.20086812566627155},{"text":"Any in-depth reports that you need, we can generate 47 different types of reports because it's quite an in-depth platform.","start":928.17505,"end":935.38,"sentiment":"neutral","sentiment_score":0.13446818776428698}],"sentiment":"neutral","sentiment_score":0.24213737393937892,"num_words":67,"start":908.2,"end":935.38},{"sentences":[{"text":"It's a wrap platform.","start":935.38,"end":936.26,"sentiment":"neutral","sentiment_score":0.19568724185228348},{"text":"It's got all the bells, whistles, and features.","start":936.26,"end":938.2,"sentiment":"neutral","sentiment_score":0.2150171510875225},{"text":"So we've got access to all of that for you anyway as well.","start":938.5,"end":942.28,"sentiment":"neutral","sentiment_score":0.22264801653531882},{"text":"In terms of the portfolio side of things, so a couple of things I need to make you aware of is just pulling up your portfolio.","start":944.435,"end":953.89496,"sentiment":"neutral","sentiment_score":0.027523962709193047},{"text":"So you're in the high growth, obviously, 4.5 out of five on the risk scale, 90% shares property and gold.","start":954.035,"end":962.10004,"sentiment":"neutral","sentiment_score":0.014298020955175161}],"sentiment":"neutral","sentiment_score":0.09012526536071805,"num_words":71,"start":935.38,"end":962.10004},{"sentences":[{"text":"Not very much in safe side of things.","start":962.56,"end":964.48004,"sentiment":"neutral","sentiment_score":-0.1155208945274353},{"text":"Obviously, just trying to get the high long term returns.","start":964.48004,"end":967.22003,"sentiment":"neutral","sentiment_score":0.0023881200700998305},{"text":"It's a bit of a fifty fifty.","start":971.215,"end":972.67505,"sentiment":"neutral","sentiment_score":-0.004631221294403076},{"text":"We it's got some defensive aspects, but, obviously, the volatility that you can see, I'm not gonna put a 70 year old retiree into it, and then it goes down 40 percent and all that kind of thing.","start":972.73505,"end":983.13,"sentiment":"neutral","sentiment_score":-0.015009954473689982},{"text":"So we call that an alternative, and that's a bit of a fifty fifty split.","start":984.49,"end":987.95,"sentiment":"neutral","sentiment_score":0.03598333199818929}],"sentiment":"neutral","sentiment_score":-0.012350420443675457,"num_words":78,"start":962.56,"end":987.95},{"sentences":[{"text":"K?","start":989.69,"end":990.19,"sentiment":"neutral","sentiment_score":0.12811891734600067},{"text":"Outside of that, I'm looking at the the average returns we're looking for for high growth is a consistent double digit, 10% or above.","start":990.65,"end":997.63,"sentiment":"neutral","sentiment_score":0.19533594573537508},{"text":"You've still cleared 11 and a half percent after fees, so it's hit it pretty well even with a bit of a jitters in March.","start":998.44495,"end":1006.38495,"sentiment":"neutral","sentiment_score":0.28696896120905874},{"text":"When you go through the portfolio table, you'll see all of the investment options with a return on the right hand column, and anything that's a percentage is growth.","start":1008.845,"end":1019.23,"sentiment":"neutral","sentiment_score":0.049694348190879},{"text":"Anything in brackets is a negative.","start":1019.23,"end":1021.08997,"sentiment":"neutral","sentiment_score":-0.13710210844874382}],"sentiment":"neutral","sentiment_score":0.14834034225958234,"num_words":85,"start":989.69,"end":1021.08997},{"sentences":[{"text":"And then the second page gives you your total portfolio return.","start":1021.38995,"end":1025.49,"sentiment":"neutral","sentiment_score":0.03703433647751808},{"text":"So what I wanted to point out is the Benelong Australian shares is one that I've put a bit of a flag on because that level of drop for an Australian equities option is higher than all the other options at the moment.","start":1027.545,"end":1042.34,"sentiment":"neutral","sentiment_score":-0.00820562195812547},{"text":"That's a bit more volatile than I would have liked.","start":1043.12,"end":1045.5399,"sentiment":"neutral","sentiment_score":-0.16678995750844477},{"text":"Everything else, your defensive portion's up 4%.","start":1045.9199,"end":1049.6799,"sentiment":"neutral","sentiment_score":0.0746104536311967},{"text":"That's pretty standard for fixed interest.","start":1049.6799,"end":1051.62,"sentiment":"neutral","sentiment_score":0.14527364820241928}],"sentiment":"neutral","sentiment_score":-0.0028499812129643056,"num_words":77,"start":1021.38995,"end":1051.62},{"sentences":[{"text":"Battery tech and electric vehicles is up 92%.","start":1052.08,"end":1055.0399,"sentiment":"neutral","sentiment_score":0.13954886980354786},{"text":"Amazing.","start":1055.0399,"end":1055.5399,"sentiment":"positive","sentiment_score":0.6132034063339233},{"text":"Gold's up 20 two.","start":1055.6799,"end":1057.14,"sentiment":"positive","sentiment_score":0.33905699476599693},{"text":"Your S and P five hundred's up 16%.","start":1057.7749,"end":1060.735,"sentiment":"neutral","sentiment_score":0.14301381446421146},{"text":"China's up 19%.","start":1060.735,"end":1062.335,"sentiment":"neutral","sentiment_score":0.06067148223519325}],"sentiment":"neutral","sentiment_score":0.18383113776023188,"num_words":24,"start":1052.08,"end":1062.335},{"sentences":[{"text":"Property's flat.","start":1062.335,"end":1063.3949,"sentiment":"neutral","sentiment_score":0.04457163065671921},{"text":"So all the options except for one have done really well.","start":1063.855,"end":1067.315,"sentiment":"neutral","sentiment_score":0.27265559136867523},{"text":"The question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for it.","start":1068.8949,"end":1077.43,"sentiment":"neutral","sentiment_score":-0.006701588710503918},{"text":"Outside of that, yeah, for that Australian shares portion.","start":1077.43,"end":1081.13,"sentiment":"neutral","sentiment_score":0.016410228485862415},{"text":"So I can replace it with anything in terms of active or passive and find a good option to sidestep it into.","start":1083.1901,"end":1090.345,"sentiment":"neutral","sentiment_score":0.099704242057421}],"sentiment":"neutral","sentiment_score":0.0657592980143956,"num_words":79,"start":1062.335,"end":1090.345},{"sentences":[{"text":"The most I would give it is maybe six months, but even then, it would be one to really keep a close eye on.","start":1091.205,"end":1097.46,"sentiment":"neutral","sentiment_score":0.03407274248699347},{"text":"I reckon give it a little bit of time, see how it goes.","start":1104.26,"end":1108.1799,"sentiment":"neutral","sentiment_score":0.037661075878601805},{"text":"If it doesn't bounce back, I really wanna ask you in terms of replacement options.","start":1108.1799,"end":1113.135,"sentiment":"neutral","sentiment_score":-0.057248005519310634},{"text":"Preferred style, do you want me to replace it with an active option or a passive option?","start":1114.875,"end":1119.755,"sentiment":"neutral","sentiment_score":0.03889347393723095},{"text":"Go low fees or or keep trying to beat the market.","start":1119.755,"end":1122.655,"sentiment":"neutral","sentiment_score":-0.05424877560951493}],"sentiment":"neutral","sentiment_score":0.006413403106853366,"num_words":80,"start":1091.205,"end":1122.655},{"sentences":[{"text":"So what I'm thinking is your yeah.","start":1128.35,"end":1132.35,"sentiment":"neutral","sentiment_score":-0.008897373851920878},{"text":"So the the Benelong is currently 0.99%, and it's supposed to obviously get returns higher than the Aussie market.","start":1132.35,"end":1140.675,"sentiment":"neutral","sentiment_score":0.13843176690371414},{"text":"So the the a 200 ETF, that's your passive, that's 0.2 for the passive option.","start":1140.975,"end":1150.85,"sentiment":"neutral","sentiment_score":0.07157510047157606},{"text":"There are other active options which are a little bit more affordable, a little bit better performance as well.","start":1150.99,"end":1155.89,"sentiment":"neutral","sentiment_score":0.14252821650159986},{"text":"There's a couple that we've been researching recently to have as alternatives.","start":1156.51,"end":1160.21,"sentiment":"neutral","sentiment_score":0.07577192845443885}],"sentiment":"neutral","sentiment_score":0.10081732939256148,"num_words":72,"start":1128.35,"end":1160.21},{"sentences":[{"text":"So what I'm basically saying with your portfolio is most of it is in passive ETFs.","start":1160.75,"end":1166.9451,"sentiment":"neutral","sentiment_score":0.048794026486575603},{"text":"You've got a little bit in the active side.","start":1167.165,"end":1169.245,"sentiment":"neutral","sentiment_score":0.0008701191594203314},{"text":"The active side's kind of been dragging its feet a little bit.","start":1169.245,"end":1172.625,"sentiment":"neutral","sentiment_score":-0.12007803531984489},{"text":"I can either replace it with an active fund that's been doing the right thing or just go full passive across the whole super.","start":1172.765,"end":1179.5901,"sentiment":"neutral","sentiment_score":0.032562445693959795},{"text":"Yep.","start":1185.01,"end":1185.41,"sentiment":"neutral","sentiment_score":0.051545463502407074}],"sentiment":"neutral","sentiment_score":0.002913600524827357,"num_words":62,"start":1160.75,"end":1185.41},{"sentences":[{"text":"So what I might do, if it's okay with you, is I can do that now in terms of I'll put together a statement of advice with the replacement option that I research, send that through to you so you can have a look and make sure you're okay with what we're doing and why.","start":1185.41,"end":1200.865,"sentiment":"neutral","sentiment_score":0.12380444461649115},{"text":"And then we can do a bit of a rebalance and and touch up the old do an engine tune across the whole lot.","start":1201.645,"end":1207.02,"sentiment":"neutral","sentiment_score":0.05700080282986164},{"text":"Cool.","start":1208.9401,"end":1209.26,"sentiment":"positive","sentiment_score":0.5666666626930237},{"text":"Now it'll be a couple of weeks just because I'm about to go on paternity leave.","start":1209.26,"end":1215.5,"sentiment":"neutral","sentiment_score":0.20669544022530317},{"text":"Got the third baby on the way.","start":1215.5,"end":1217.28,"sentiment":"neutral","sentiment_score":0.33189058729580473}],"sentiment":"neutral","sentiment_score":0.1395562285358466,"num_words":103,"start":1185.41,"end":1217.28},{"sentences":[{"text":"And thank you.","start":1217.42,"end":1219.76,"sentiment":"positive","sentiment_score":0.5530973424514135},{"text":"So I'll get the team to research it in the background.","start":1219.8201,"end":1222.48,"sentiment":"neutral","sentiment_score":0.23606216772036118},{"text":"And then as soon as I get back into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update.","start":1222.835,"end":1229.415,"sentiment":"neutral","sentiment_score":0.1390352982186502},{"text":"Cool.","start":1231.635,"end":1232.135,"sentiment":"positive","sentiment_score":0.35411536693573},{"text":"In terms of, like, contributions and things like that, you're doing a lot of personal investment.","start":1233.3151,"end":1239.02,"sentiment":"neutral","sentiment_score":0.0525412205606699}],"sentiment":"neutral","sentiment_score":0.15743298408004544,"num_words":62,"start":1217.42,"end":1239.02},{"sentences":[{"text":"Do you need me to look at any salary sacrifice for the super or happy just to let the employer contributions and growth carry things?","start":1239.02,"end":1246.48,"sentiment":"neutral","sentiment_score":-0.002353684827685356},{"text":"K.","start":1252.7151,"end":1253.2151,"sentiment":"neutral","sentiment_score":0.010976314544677734},{"text":"If you do any like, you mentioned that major sale and obviously a bit of tax comes at the back of it.","start":1253.515,"end":1259.995,"sentiment":"neutral","sentiment_score":-0.029025136408480732},{"text":"If you wanna do any lump sum contributions to kind of drop the tax down a little bit in those years where you sell personal investments, we can obviously help you with it in terms of the forms and things like that.","start":1259.995,"end":1271.1001,"sentiment":"neutral","sentiment_score":0.03710962729972033},{"text":"But for now, I'll just base the plan on current portfolio versus an updated one with your employer contributions coming in, and I'll just do an updated projection based off that.","start":1273.0801,"end":1283.0751,"sentiment":"neutral","sentiment_score":0.03530442011692832}],"sentiment":"neutral","sentiment_score":0.01625307903371074,"num_words":121,"start":1239.02,"end":1283.0751},{"sentences":[{"text":"Cool.","start":1285.775,"end":1286.275,"sentiment":"neutral","sentiment_score":0.21886324882507324},{"text":"So this is a twelve month snapshot, and it splits it between dividends and capital growth.","start":1292.655,"end":1299.49,"sentiment":"neutral","sentiment_score":0.0315661141066812},{"text":"Yeah.","start":1303.87,"end":1304.19,"sentiment":"neutral","sentiment_score":0.044122956693172455},{"text":"Yep.","start":1304.19,"end":1304.5099,"sentiment":"neutral","sentiment_score":0.04809096455574035},{"text":"Income is basically just dividends, distributions out from the ETFs.","start":1304.5099,"end":1308.0499,"sentiment":"neutral","sentiment_score":0.023424223810434342}],"sentiment":"neutral","sentiment_score":0.036219904616732024,"num_words":29,"start":1285.775,"end":1308.0499},{"sentences":[{"text":"You're not very distribution heavy.","start":1308.495,"end":1310.8151,"sentiment":"neutral","sentiment_score":-0.08405542112886906},{"text":"It's mainly capital.","start":1310.8151,"end":1312.195,"sentiment":"neutral","sentiment_score":-0.055528915176788964},{"text":"You know?","start":1312.255,"end":1312.8151,"sentiment":"neutral","sentiment_score":-0.03259820491075516},{"text":"The gold doesn't distribute.","start":1312.8151,"end":1314.115,"sentiment":"neutral","sentiment_score":-0.05351470224559307},{"text":"Most of the shares and property don't either.","start":1314.495,"end":1316.835,"sentiment":"neutral","sentiment_score":-0.026893666479736567}],"sentiment":"neutral","sentiment_score":-0.04914856371893124,"num_words":22,"start":1308.495,"end":1316.835},{"sentences":[{"text":"That's correct.","start":1325.79,"end":1326.61,"sentiment":"neutral","sentiment_score":0.16320078074932098},{"text":"Cool.","start":1328.51,"end":1329.01,"sentiment":"neutral","sentiment_score":0.30588197708129883},{"text":"Alright.","start":1331.0701,"end":1331.5701,"sentiment":"neutral","sentiment_score":0.1662701964378357},{"text":"Any other questions on the super side of things?","start":1331.63,"end":1333.89,"sentiment":"neutral","sentiment_score":0.11713660094473097},{"text":"K.","start":1338.4551,"end":1338.8551,"sentiment":"neutral","sentiment_score":0.005730208940804005}],"sentiment":"neutral","sentiment_score":0.13275095374722565,"num_words":14,"start":1325.79,"end":1338.8551},{"sentences":[{"text":"So I'll get you penciled in for they'll give you a call in a couple of weeks just to book in with me for the updated portfolio.","start":1338.8551,"end":1346.395,"sentiment":"neutral","sentiment_score":0.15490287569937883},{"text":"I've put a note on your account to catch up in six months about whether we go to SMSF, and we can have a bit of a relook at insurances and things like that at that point.","start":1347.0,"end":1356.46,"sentiment":"neutral","sentiment_score":0.02414488878000427},{"text":"Yeah.","start":1359.8151,"end":1360.135,"sentiment":"neutral","sentiment_score":-0.0008107572793960571},{"text":"Go for it.","start":1360.135,"end":1364.4551,"sentiment":"neutral","sentiment_score":0.01099692021186153},{"text":"Yes.","start":1364.4551,"end":1364.9551,"sentiment":"neutral","sentiment_score":-0.0028587225824594498}],"sentiment":"neutral","sentiment_score":0.07398637405097269,"num_words":69,"start":1338.8551,"end":1364.9551},{"sentences":[{"text":"My apologies.","start":1366.775,"end":1367.595,"sentiment":"neutral","sentiment_score":-0.08933432772755623},{"text":"It's usually my favorite thing to do in a review.","start":1367.655,"end":1369.975,"sentiment":"neutral","sentiment_score":0.14682908169925213},{"text":"So you were consolidated up to a 113,000 initially.","start":1369.975,"end":1376.2,"sentiment":"neutral","sentiment_score":0.08576045392288102},{"text":"And, basically, looking at the story, like, you've got a bit of a graph that shows you the the capital value.","start":1377.14,"end":1382.44,"sentiment":"neutral","sentiment_score":0.031177281180307978},{"text":"And you basically went $1.13 up to $1.40, drops down to $1.26 in April of last year.","start":1382.5,"end":1390.315,"sentiment":"neutral","sentiment_score":-0.008525854339549208}],"sentiment":"neutral","sentiment_score":0.04358050216707575,"num_words":59,"start":1366.775,"end":1390.315},{"sentences":[{"text":"You will on the login, you'll be able to access that on the main dashboard.","start":1392.695,"end":1396.5549,"sentiment":"neutral","sentiment_score":0.04039211596051852},{"text":"You should be able to switch between percentage and dollar value.","start":1396.855,"end":1400.315,"sentiment":"neutral","sentiment_score":0.04498621999201449},{"text":"Yeah.","start":1403.87,"end":1404.37,"sentiment":"neutral","sentiment_score":0.01746259070932865},{"text":"That's more educational material for people that don't know how the stock market and different asset classes work.","start":1407.87,"end":1414.2101,"sentiment":"neutral","sentiment_score":0.015725102586050827},{"text":"Correct.","start":1418.995,"end":1419.495,"sentiment":"neutral","sentiment_score":0.08756683021783829}],"sentiment":"neutral","sentiment_score":0.03236546579991346,"num_words":46,"start":1392.695,"end":1419.495},{"sentences":[{"text":"I'm just having a look at the recent twelve months as well.","start":1422.595,"end":1426.535,"sentiment":"neutral","sentiment_score":0.04438890113184849},{"text":"Yeah.","start":1427.2101,"end":1427.53,"sentiment":"neutral","sentiment_score":0.0555788017809391},{"text":"Yep.","start":1427.53,"end":1427.85,"sentiment":"neutral","sentiment_score":0.057832639664411545},{"text":"So it was in March March 2024.","start":1427.85,"end":1432.25,"sentiment":"neutral","sentiment_score":0.04563616881413119},{"text":"So we just hit two years and two months.","start":1432.25,"end":1435.47,"sentiment":"neutral","sentiment_score":0.09194807377126482}],"sentiment":"neutral","sentiment_score":0.05976880335559447,"num_words":30,"start":1422.595,"end":1435.47},{"sentences":[{"text":"So Twelve months, we've got your one forty.","start":1438.01,"end":1443.025,"sentiment":"positive","sentiment_score":0.40455200895667076},{"text":"Now you're just shy of one seventy.","start":1443.405,"end":1445.345,"sentiment":"neutral","sentiment_score":0.24104695873601095},{"text":"And then the interesting thing about the way the super works, because it's percentage based returns, is it's just starting to accelerate.","start":1448.2849,"end":1456.38,"sentiment":"neutral","sentiment_score":0.23232369802214883},{"text":"Because every 10% now, we're talking 15 to 20 grands, up to 30, up to 40, and then it's just gonna kind of take off.","start":1456.68,"end":1464.36,"sentiment":"neutral","sentiment_score":0.09255276665091515},{"text":"But then, obviously, at some point, we reduce the risk down because you probably don't wanna be high risk at 59 and lose half $1,000,000 a year before you go to live on it.","start":1464.36,"end":1473.585,"sentiment":"neutral","sentiment_score":-0.00857155682409511}],"sentiment":"neutral","sentiment_score":0.12559637889110795,"num_words":96,"start":1438.01,"end":1473.585},{"sentences":[{"text":"Yeah.","start":1475.165,"end":1475.485,"sentiment":"neutral","sentiment_score":0.13349084556102753},{"text":"So if you're okay with that, that's cool.","start":1475.485,"end":1477.505,"sentiment":"positive","sentiment_score":0.4253258630633354},{"text":"If at any point you wanna go an extra step above, go a bit more aggressive even, look at possibly leverage options and things like that, we can discuss it.","start":1478.205,"end":1487.63,"sentiment":"neutral","sentiment_score":0.10672773383557796},{"text":"I probably wouldn't recommend it this minute.","start":1487.77,"end":1490.35,"sentiment":"neutral","sentiment_score":-0.2955545000731945},{"text":"Yeah.","start":1493.13,"end":1493.61,"sentiment":"neutral","sentiment_score":0.02804533764719963}],"sentiment":"neutral","sentiment_score":0.09993816175042315,"num_words":47,"start":1475.165,"end":1493.61},{"sentences":[{"text":"Look.","start":1493.61,"end":1494.11,"sentiment":"neutral","sentiment_score":-0.06762063503265381},{"text":"A bit of never went astray.","start":1494.65,"end":1496.51,"sentiment":"neutral","sentiment_score":-0.2307319069902102},{"text":"Yeah.","start":1505.725,"end":1506.225,"sentiment":"neutral","sentiment_score":-0.07439304143190384},{"text":"Yeah.","start":1515.5701,"end":1515.89,"sentiment":"neutral","sentiment_score":0.093112975358963},{"text":"Wow.","start":1515.89,"end":1516.39,"sentiment":"neutral","sentiment_score":0.10879744589328766}],"sentiment":"neutral","sentiment_score":-0.13244946971535682,"num_words":10,"start":1493.61,"end":1516.39},{"sentences":[{"text":"I'm just having a look at a graph of it now, but that's were you playing around with it in 2021?","start":1516.6901,"end":1522.53,"sentiment":"neutral","sentiment_score":0.03204057121738082},{"text":"Yeah.","start":1522.53,"end":1522.8501,"sentiment":"neutral","sentiment_score":0.005373977590352297},{"text":"GDXD, was that 2122?","start":1522.8501,"end":1525.305,"sentiment":"neutral","sentiment_score":-0.016583099903073162},{"text":"Yeah.","start":1536.1051,"end":1536.3451,"sentiment":"neutral","sentiment_score":0.09876233339309692},{"text":"Right.","start":1536.3451,"end":1536.8451,"sentiment":"neutral","sentiment_score":0.12972573935985565}],"sentiment":"neutral","sentiment_score":0.03001363022485748,"num_words":28,"start":1516.6901,"end":1536.8451},{"sentences":[{"text":"Wow.","start":1537.625,"end":1538.125,"sentiment":"positive","sentiment_score":0.34809085726737976},{"text":"Okay.","start":1544.2301,"end":1544.7301,"sentiment":"neutral","sentiment_score":0.1577393263578415},{"text":"Yeah.","start":1555.365,"end":1555.865,"sentiment":"neutral","sentiment_score":0.28235775232315063},{"text":"Yeah.","start":1563.7,"end":1564.02,"sentiment":"neutral","sentiment_score":0.10654157400131226},{"text":"See, that's the thing that I've got to be careful with when it comes, like, the super, right, is because you can build up all of this wealth personally with all these investments.","start":1564.02,"end":1572.52,"sentiment":"neutral","sentiment_score":0.19286358559673483}],"sentiment":"neutral","sentiment_score":0.1961953468822144,"num_words":37,"start":1537.625,"end":1572.52},{"sentences":[{"text":"But if I just get you a consistent 10% after fees every single year until 60, that's that easy 1 to 2 mil, and you're putting that retirement sorted.","start":1572.9,"end":1583.5249,"sentiment":"neutral","sentiment_score":0.2854359291236976},{"text":"The moment I chuck into something leveraged now and all of a sudden it's crashing, and then we can't afford to do the SMSF, and then all of a sudden it's just we can go aggressive with it, but we just don't do anything too crazy with people's retirement funds.","start":1583.6649,"end":1596.43,"sentiment":"neutral","sentiment_score":-0.10478806497529149},{"text":"Yeah.","start":1609.545,"end":1610.045,"sentiment":"neutral","sentiment_score":0.04427972435951233},{"text":"It has been an interesting twelve months, though.","start":1613.545,"end":1615.9451,"sentiment":"neutral","sentiment_score":0.0521055618301034},{"text":"That's for sure.","start":1615.9451,"end":1616.82,"sentiment":"neutral","sentiment_score":0.12046827127536137}],"sentiment":"neutral","sentiment_score":0.04242601899614373,"num_words":91,"start":1572.9,"end":1616.82},{"sentences":[{"text":"We'll have a bit of fun along the way.","start":1623.46,"end":1625.3999,"sentiment":"neutral","sentiment_score":0.32589032749334973},{"text":"Oh, mate.","start":1630.595,"end":1631.255,"sentiment":"neutral","sentiment_score":-0.04301632009446621},{"text":"Who knows?","start":1634.755,"end":1635.495,"sentiment":"neutral","sentiment_score":-0.07897558435797691},{"text":"I'll I'll plead that I need to look after people's retirement savings or something.","start":1635.5549,"end":1639.335,"sentiment":"neutral","sentiment_score":-0.007418610999593511},{"text":"Alrighty.","start":1641.57,"end":1642.07,"sentiment":"neutral","sentiment_score":0.11322817206382751}],"sentiment":"neutral","sentiment_score":0.09637131273588498,"num_words":28,"start":1623.46,"end":1642.07},{"sentences":[{"text":"But any other questions on the super at the moment?","start":1642.69,"end":1645.91,"sentiment":"neutral","sentiment_score":0.03796915002167225},{"text":"Cool.","start":1651.01,"end":1651.51,"sentiment":"positive","sentiment_score":0.53456711769104},{"text":"If you are comfortable with the the services so far, we have attached in the the sign section an updated service agreement.","start":1652.13,"end":1660.365,"sentiment":"neutral","sentiment_score":0.24310520697723736},{"text":"So just to let you know, it's the usual 1.65% split across the monthly payments.","start":1660.825,"end":1666.925,"sentiment":"neutral","sentiment_score":0.09990525494019191},{"text":"The super fund claims a 15% tax rebate off of that for any expense inside super.","start":1667.545,"end":1673.33,"sentiment":"neutral","sentiment_score":0.112704640137963}],"sentiment":"neutral","sentiment_score":0.14944415996433236,"num_words":64,"start":1642.69,"end":1673.33},{"sentences":[{"text":"Now that's a twelve month consent.","start":1675.0701,"end":1677.33,"sentiment":"neutral","sentiment_score":0.05662449263036251},{"text":"It's not a lock in contract for twelve months.","start":1677.47,"end":1679.81,"sentiment":"neutral","sentiment_score":0.0033875370605124366},{"text":"And, obviously, we've got six month catch up for some advice and then an annual review after that.","start":1680.11,"end":1686.285,"sentiment":"neutral","sentiment_score":0.039312605228688985},{"text":"I will get your password reset with Hub.","start":1691.485,"end":1694.4651,"sentiment":"neutral","sentiment_score":0.13441697414964437},{"text":"Give you a bit of a look on the website, see if that works a bit better for you.","start":1696.685,"end":1700.07,"sentiment":"neutral","sentiment_score":0.09318235869470395}],"sentiment":"neutral","sentiment_score":0.06539437153066198,"num_words":60,"start":1675.0701,"end":1700.07},{"sentences":[{"text":"We've got about six or seven different brokers.","start":1706.63,"end":1708.71,"sentiment":"neutral","sentiment_score":-0.024557078490033746},{"text":"Just depends on what type of loan you need.","start":1708.71,"end":1710.6499,"sentiment":"neutral","sentiment_score":-0.012943391998608908},{"text":"Borrowing to invest.","start":1728.66,"end":1729.88,"sentiment":"neutral","sentiment_score":-0.21357148389021555},{"text":"Yeah.","start":1745.5549,"end":1745.795,"sentiment":"neutral","sentiment_score":-0.14735110104084015},{"text":"No.","start":1745.795,"end":1746.035,"sentiment":"negative","sentiment_score":-0.4766036868095398}],"sentiment":"neutral","sentiment_score":-0.07170983615585348,"num_words":22,"start":1706.63,"end":1746.035},{"sentences":[{"text":"That's not cool.","start":1746.035,"end":1746.835,"sentiment":"negative","sentiment_score":-0.5745883186658224},{"text":"Okay.","start":1746.835,"end":1747.155,"sentiment":"neutral","sentiment_score":-0.10666027665138245},{"text":"So I'm just having a bit of a think.","start":1747.155,"end":1749.155,"sentiment":"neutral","sentiment_score":-0.054233967843982905},{"text":"I might put you on to I'll send an email through for Brook, one of the other brokers that we've got.","start":1749.155,"end":1754.81,"sentiment":"neutral","sentiment_score":-0.008771776620830809},{"text":"Their specialty is property, tax debt loans, and they've also got access to, you know, second tier lenders and things like that.","start":1755.27,"end":1764.87,"sentiment":"neutral","sentiment_score":0.08659381368620829}],"sentiment":"neutral","sentiment_score":-0.010672756271170718,"num_words":56,"start":1746.035,"end":1764.87},{"sentences":[{"text":"So at least they can give you a landscape of what's possible out there besides just the the bank up front.","start":1764.87,"end":1771.265,"sentiment":"neutral","sentiment_score":0.1635101508526575},{"text":"Yeah.","start":1786.7,"end":1787.2,"sentiment":"neutral","sentiment_score":0.07708859443664551},{"text":"Yeah.","start":1800.395,"end":1800.715,"sentiment":"neutral","sentiment_score":0.19800008833408356},{"text":"And I think one of the interesting strategies I was talking to him about last week actually was we got a couple of self employed guys with big ATO debts.","start":1800.715,"end":1808.64,"sentiment":"neutral","sentiment_score":0.1789410668114821},{"text":"And rather than paying it off over twelve to twenty four months, they're just kind of getting those loans to stretch it out over five years, lower the repayments, and keep more cash in the pocket.","start":1808.94,"end":1819.405,"sentiment":"neutral","sentiment_score":0.18369637171013486}],"sentiment":"neutral","sentiment_score":0.1762932947930995,"num_words":89,"start":1764.87,"end":1819.405},{"sentences":[{"text":"So couple of things out there might be possible.","start":1819.545,"end":1822.425,"sentiment":"neutral","sentiment_score":0.2062070369720459},{"text":"I can just make an introduction and you can see.","start":1822.425,"end":1825.165,"sentiment":"neutral","sentiment_score":0.10312832444906235},{"text":"Yeah.","start":1836.84,"end":1837.16,"sentiment":"neutral","sentiment_score":0.2150825262069702},{"text":"Yep.","start":1837.16,"end":1837.48,"sentiment":"neutral","sentiment_score":0.23302945494651792},{"text":"I get you.","start":1837.48,"end":1838.38,"sentiment":"neutral","sentiment_score":0.22528845071792603}],"sentiment":"neutral","sentiment_score":0.16713016293942928,"num_words":24,"start":1819.545,"end":1838.38},{"sentences":[{"text":"Alright.","start":1838.76,"end":1839.16,"sentiment":"neutral","sentiment_score":0.20043396949768064},{"text":"Yeah.","start":1839.16,"end":1839.56,"sentiment":"neutral","sentiment_score":0.1891607940196991},{"text":"So there'll be a few split emails.","start":1839.56,"end":1841.9,"sentiment":"neutral","sentiment_score":0.1542629280260631},{"text":"I'll do a separate introduction to a broker, see how they go with the options.","start":1842.04,"end":1846.4349,"sentiment":"neutral","sentiment_score":0.1548373743891716},{"text":"The password reset will probably come from hub directly to you.","start":1846.895,"end":1850.515,"sentiment":"neutral","sentiment_score":0.15598383681340652}],"sentiment":"neutral","sentiment_score":0.15736623087099622,"num_words":35,"start":1838.76,"end":1850.515},{"sentences":[{"text":"And then you've got that email there for the annual review today.","start":1851.535,"end":1854.595,"sentiment":"neutral","sentiment_score":0.2279276897509893},{"text":"Then in about three weeks' time, team will book you in.","start":1855.455,"end":1859.855,"sentiment":"neutral","sentiment_score":0.25929098847237503},{"text":"I'll send you through that statement of advice for the portfolio update.","start":1859.855,"end":1863.14,"sentiment":"neutral","sentiment_score":0.16580736761291823},{"text":"Cool.","start":1865.84,"end":1866.16,"sentiment":"positive","sentiment_score":0.7528206706047058},{"text":"Alrighty.","start":1866.16,"end":1866.66,"sentiment":"positive","sentiment_score":0.7248914837837219}],"sentiment":"neutral","sentiment_score":0.2447225328635525,"num_words":37,"start":1851.535,"end":1866.66},{"sentences":[{"text":"Steven, it's been an absolute pleasure.","start":1866.8,"end":1868.58,"sentiment":"positive","sentiment_score":0.84903684258461},{"text":"Keep on keeping on.","start":1869.84,"end":1870.72,"sentiment":"positive","sentiment_score":0.5635146200656891},{"text":"You're doing well.","start":1870.72,"end":1871.7,"sentiment":"positive","sentiment_score":0.6422769029935201},{"text":"Any other questions for me, Matt?","start":1871.76,"end":1873.515,"sentiment":"neutral","sentiment_score":0.1142295276125272},{"text":"Thank you so much.","start":1880.1428,"end":1881.1028,"sentiment":"positive","sentiment_score":0.7915490567684174}],"sentiment":"positive","sentiment_score":0.5707253755434699,"num_words":23,"start":1866.8,"end":1881.1028},{"sentences":[{"text":"Appreciate that, mate.","start":1881.1028,"end":1881.8229,"sentiment":"positive","sentiment_score":0.6561777393023173},{"text":"If you need anything else, just call back in, and the team will sort you out.","start":1881.8229,"end":1885.0428,"sentiment":"positive","sentiment_score":0.3390076579526067},{"text":"You too.","start":1887.0228,"end":1887.5829,"sentiment":"positive","sentiment_score":0.44182178378105164},{"text":"Cheers.","start":1887.5829,"end":1888.0829,"sentiment":"positive","sentiment_score":0.5683214664459229}],"sentiment":"positive","sentiment_score":0.40202821723439475,"num_words":22,"start":1881.1028,"end":1888.0829}]}}]},{"alternatives":[{"transcript":"Steven speaking. Hey, man. I'm good. How are you? Oh, yeah. No worries. No. It's okay. Just trying to get out of the city without getting run over. It's all good. Yeah. It's fine. Mhmm. Okay. No worries. Sounds good. Fourth of the second ninety twenty two sixty seven thirty eight Hope Street, South Brisbane. Yeah. Sure. Yeah. Mhmm. Cool. Nothing in particular. Not really. Yeah. Yep. Yeah. No worries. Mhmm. Yeah. Sure. Yep. Sounds good. No. That's sort of mostly it. What is focusing on the property mean? What's that mean? Like, I don't remember. Oh, okay. No. That'll just be paid off at whatever the repayments are. Yeah. No. They're they're one they're paying that one, so it's their money. I think my goal is just, I don't know, grow the grow the supers. Mhmm. Yeah. That's about right. Yep. Yeah. It's a little bit outdated. Yeah. I actually sold that gold for, I don't know, couple of 100,000 profit, actually. So currently currently, there's 380 k of gold, and then there's 350 k of US stocks. That's in AUD, so that would be the total. No. No. It's more more actively traded. So, currently, it's it's on stake, but, currently, it's in, like, GDXU mostly. It's kind of a YOLO play. And then savings, I I think there's any, maybe 20 k in Australia. Well, in a if it in savings. No. I'm trying to get one, but the bank's being a bit shit. Oh, they don't give a shit. Yeah. They think you can't pay a loan even if you ask for an amount that's less that, you know, that you could pay off eight times over. Well, they told me to go for a personal one. I just wanted because I got a tax bill. It was about 56 k to pay, and then I was like, well, if I gotta get that, I may as well just see how much money I can get, and I'll put the into, you know, invest it. So I tried to get, like, a $100,130. One guy said I could get $1.30, and then when they rang me to do the actual thing, they were like, we can give you maybe 20 if you're lucky. K. I know. That's what I said. That's pretty pathetic. Oh, it's crazy. Crazy. Yeah. It's ridiculous. Yep. Yeah. About that. Yes. Yeah. About that. Yeah. Yeah. Mostly. I've got about 50%, obviously, in the stake, which is more active. And then I've got Australian Gold, which I do plan on moving that stake, but I'll still keep it as, you know, only 50 percent or so will be actively invested, and the other half will be put more long term. Yeah. I don't know what any of that means, but yes. Yep. Okay. Right. Oh, yeah. Yeah. That'd be handy. Yep. Oh, okay. Yeah. Yeah. I know. Yeah. They can do the transfer for the domestic stuff. I went to do it, but then they wanted a whole bunch of info, and they didn't like something I gave them. So I haven't got around to doing that. Yeah. It is. Yeah. Yeah. I'd like well, I figured I can do it, or I can just sell the Australian gold soon and then move it anyway. Yeah. Same income. Yeah. I mean, I'll just invest it personally, I think. And I guess like, I mean, do you guys set up self manage or or what? Because you mentioned that, but doesn't that mean you guys don't have a job if I do that? Yep. Right. Yep. Yeah. Yeah. Okay. Right. Okay. Yep. Okay. Alright. Yeah. I don't know. I mean, I considered moving to SMSF soon. I just haven't got around to that. So I don't know if that's something you guys can help with. Mhmm. Okay. Yep. Right. Okay. Yep. Yeah. Gotcha. Okay. Yep. Alright. Yeah. That sounds pretty good. Yep. We'll do it in six months time, I think. Yeah. Yep. Okay. No worries. That sounds good. Mhmm. Okay. Probably not right now. I could probably look into that later on. Yep. Okay. Gotcha. Yeah. I think I had some of that stuff done. Yeah. Yeah. Still on that stuff too. Uh-huh. Jesus. Okay. Probably come back to it in maybe six months, I think, on the next one. Okay. Yep. Right. Okay. I haven't done any of that yet. No. Yep. Okay. Yep. Yeah. I'll probably have to set that up sent to. No. I'd probably have to figure that out when I do the will. Okay. Yep. Yep. Yeah. Okay. Alright. Yeah. Sounds good. I'll have to look into that. No. Because I don't think I can even log in to Hub. I think I've tried, but I couldn't get it to work. I get I got your emails up now anyway. Yeah. Sure. Yeah. If you wanna send that through. Okay. Yeah. I'd probably use the web app. Yeah. Okay. Yeah. Okay. Alright. Cool. Mhmm. Okay. Yep. So they call they consider gold risk? Okay. Yeah. Yeah. True. True. Yeah. Okay. Right. Okay. Cool. Yep. Okay. Yep. Gotcha. Yep. I can see that. Yep. Okay. Yep. Pretty good. For the Bennelong Run? What do you reckon? Yep. Mhmm. Yeah. Well, I mean, what do you reckon? Resell it or wait? Mhmm. Yep. I mean, I don't know. What what is the fees on the active one? Yep. Mhmm. Yep. Okay. Yep. Yep. I don't know. Let's just replace it with one that's doing better and see what happens. Uh-huh. Sure. Yep. Uh-huh. Yeah. That sounds good. Alright. K. That's Yeah. No. That sounds alright. Probably just leave that for now, I think. Mhmm. Okay. Gotcha. Gotcha. Yep. Alright. No worries. Sounds good. What is the on the second page, the performance with IRR, what is the income in periods? What period is that? About a year? Yep. Oh, okay. Oh, so that's dividends, is it? Oh, okay. Yeah. Okay. Right. Oh, so it gets reinvested. So the growth was 16.7 k, and then there was also 3.3 of income. So the total's 20.1. Yep. Okay. Cool. No. I think that's alright. Mhmm. Yep. No worries. Actually, I do have one question. When I signed up with you guys, do you know what the super was when I first joined? I don't remember. Was it 01/20, one 30? Oh. Yep. Where's this ground? Do I have it? Oh, okay. Yep. Oh, sorry. I was just checking your attachments in the email. I do have a Vanguard index chart. I don't know if that's me. Gotcha. Yeah. Alright. Cool. Alright. So I signed up with you guys at 01:13. Alright. Sweet. That was two two years ago? Okay. Okay. Cool. Alright. Well, that's pretty good performance then. Cool. Yep. Yep. No. Yellow. Mhmm. Right. Okay. Yeah. Let's do a GTX here on the Super Bowl. Oh, I already lost 250,000 Australian on a GTXD. Yeah. I didn't know what I was doing, so I touched it, so then it it burnt. I mean, I made a lot of money on GTXD, so it's not too bad. And and and shiny as well, like triple leverage gold. So mostly makes up for it. Yeah. Yeah. Which one? GDXU or No. No. Just in the last nine months. GDXU is not a fun one, but GDXU is good. So, obviously, one is shorting and the other one's long. So, yeah, GDXU. Yeah. I made I made a I'm up 90 k USD on GDXU this financial year. And then shiny, I think, is, like, maybe 50. So if I didn't be an idiot on GDXD, I'd, you know, had had a really good year. But I only just started sort of actively trading in, you know, this financial year anyway, so it's not a not a not terrible. Yeah. Yep. Yep. Yeah. Yeah. Exactly. Yeah. Yeah. I'm not I'm not trying to be greedy. Like, super's fine. I don't really need to do anything with that. That's why I've only got, you know, 50% of the money over there is for actively investing in it. It's usually not so risky. So I'm kind of working on a strategy. Yeah. Oh, it's yeah. It's next three years. I don't know if the world's gonna make it, but, you know, we'll see what I I might not need that super money. Yeah. I might have to get, you know, sent to Greenland or something or defending it or taking it. I don't know which side we'll be on, but yeah. Yeah. Exactly. Yep. Yeah. It's pretty wild. No. Seems pretty seems pretty good. Uh-huh. Yep. Mhmm. Yep. Okay. Mhmm. Mhmm. No worries. Sounds good. Yeah. I'll probably sign that today. Okay. No worries. Do you have do you have people I can get a loan from? Do you guys do that? Well, like I said well, like I said, the bank's being useless. So whoever can give me, I don't know, a 100 k for the tax bill and then investing with what I've got because I tried Bank of Failure and they basically told me to fuck off. So yeah. Well, that's they're the guys that you know, the first person I spoke to said with the calculator, maybe a 130 k or said you're approved for that. And then when they actually spoke to me, the next chick was like, yeah. We can give you, like, 25 maybe. Okay. Mhmm. Okay. Yeah. Sounds good. Yeah. No worries. I mean, it does it's not really that big a deal. Like, the the ATO will give me a a $56,000 loan anyway for 10 percent is their their charge for, like, you know, you paying it off slowly. So it's not like I really, really, really need it. And Bank of Saudi was only 7% anyway, which, you know, what's the difference? So I was just gonna see who can give me some money for less than that slightly, and if that's good, I'll go with it. Okay. That sucks. Yep. Yeah. Yep. Yeah. That's kinda what I was gonna do except I'll I'll pay it off sooner than that. So but, yeah, the same thing. It was just I may as well take some money and then if I can make a few dollars off it and then pay it, then that's great. Mhmm. Okay. Yep. Yep. Cool. Yeah. Perfect, man. Sounds good. Yeah. Uh-huh. No, man. It's all good. I appreciate the call, and good luck with the new baby. Number three. Yeah. Perfect, mate. Alright. Have a good one. Cheers. 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speaking. Hey, man. I'm good. How are you? Oh, yeah.\n\nNo worries. No. It's okay. Just trying to get out of the city without getting run over. It's all good.\n\nYeah. It's fine. Mhmm. Okay. No worries.\n\nSounds good. Fourth of the second ninety twenty two sixty seven thirty eight Hope Street, South Brisbane. Yeah. Sure. Yeah.\n\nMhmm. Cool. Nothing in particular. Not really. Yeah.\n\nYep. Yeah. No worries. Mhmm. Yeah.\n\nSure. Yep. Sounds good. No. That's sort of mostly it.\n\nWhat is focusing on the property mean? What's that mean? Like, I don't remember. Oh, okay. No.\n\nThat'll just be paid off at whatever the repayments are. Yeah. No. They're they're one they're paying that one, so it's their money. I think my goal is just, I don't know, grow the grow the supers.\n\nMhmm. Yeah. That's about right. Yep. Yeah.\n\nIt's a little bit outdated. Yeah. I actually sold that gold for, I don't know, couple of 100,000 profit, actually. So currently currently, there's 380 k of gold, and then there's 350 k of US stocks. That's in AUD, so that would be the total.\n\nNo. No. It's more more actively traded. So, currently, it's it's on stake, but, currently, it's in, like, GDXU mostly. It's kind of a YOLO play.\n\nAnd then savings, I I think there's any, maybe 20 k in Australia. Well, in a if it in savings. No. I'm trying to get one, but the bank's being a bit shit. Oh, they don't give a shit.\n\nYeah. They think you can't pay a loan even if you ask for an amount that's less that, you know, that you could pay off eight times over. Well, they told me to go for a personal one. I just wanted because I got a tax bill. It was about 56 k to pay, and then I was like, well, if I gotta get that, I may as well just see how much money I can get, and I'll put the into, you know, invest it.\n\nSo I tried to get, like, a $100,130. One guy said I could get $1.30, and then when they rang me to do the actual thing, they were like, we can give you maybe 20 if you're lucky. K. I know. That's what I said.\n\nThat's pretty pathetic. Oh, it's crazy. Crazy. Yeah. It's ridiculous.\n\nYep. Yeah. About that. Yes. Yeah.\n\nAbout that. Yeah. Yeah. Mostly. I've got about 50%, obviously, in the stake, which is more active.\n\nAnd then I've got Australian Gold, which I do plan on moving that stake, but I'll still keep it as, you know, only 50 percent or so will be actively invested, and the other half will be put more long term. Yeah. I don't know what any of that means, but yes. Yep. Okay.\n\nRight. Oh, yeah. Yeah. That'd be handy. Yep.\n\nOh, okay. Yeah. Yeah. I know. Yeah.\n\nThey can do the transfer for the domestic stuff. I went to do it, but then they wanted a whole bunch of info, and they didn't like something I gave them. So I haven't got around to doing that. Yeah. It is.\n\nYeah. Yeah. I'd like well, I figured I can do it, or I can just sell the Australian gold soon and then move it anyway. Yeah. Same income.\n\nYeah. I mean, I'll just invest it personally, I think. And I guess like, I mean, do you guys set up self manage or or what? Because you mentioned that, but doesn't that mean you guys don't have a job if I do that? Yep.\n\nRight. Yep. Yeah. Yeah. Okay.\n\nRight. Okay. Yep. Okay. Alright.\n\nYeah. I don't know. I mean, I considered moving to SMSF soon. I just haven't got around to that. So I don't know if that's something you guys can help with.\n\nMhmm. Okay. Yep. Right. Okay.\n\nYep. Yeah. Gotcha. Okay. Yep.\n\nAlright. Yeah. That sounds pretty good. Yep. We'll do it in six months time, I think.\n\nYeah. Yep. Okay. No worries. That sounds good.\n\nMhmm. Okay. Probably not right now. I could probably look into that later on. Yep.\n\nOkay. Gotcha. Yeah. I think I had some of that stuff done. Yeah.\n\nYeah. Still on that stuff too. Uh-huh. Jesus. Okay.\n\nProbably come back to it in maybe six months, I think, on the next one. Okay. Yep. Right. Okay.\n\nI haven't done any of that yet. No. Yep. Okay. Yep.\n\nYeah. I'll probably have to set that up sent to. No. I'd probably have to figure that out when I do the will. Okay.\n\nYep. Yep. Yeah. Okay. Alright.\n\nYeah. Sounds good. I'll have to look into that. No. Because I don't think I can even log in to Hub.\n\nI think I've tried, but I couldn't get it to work. I get I got your emails up now anyway. Yeah. Sure. Yeah.\n\nIf you wanna send that through. Okay. Yeah. I'd probably use the web app. Yeah.\n\nOkay. Yeah. Okay. Alright. Cool.\n\nMhmm. Okay. Yep. So they call they consider gold risk? Okay.\n\nYeah. Yeah. True. True. Yeah.\n\nOkay. Right. Okay. Cool. Yep.\n\nOkay. Yep. Gotcha. Yep. I can see that.\n\nYep. Okay. Yep. Pretty good. For the Bennelong Run?\n\nWhat do you reckon? Yep. Mhmm. Yeah. Well, I mean, what do you reckon?\n\nResell it or wait? Mhmm. Yep. I mean, I don't know. What what is the fees on the active one?\n\nYep. Mhmm. Yep. Okay. Yep.\n\nYep. I don't know. Let's just replace it with one that's doing better and see what happens. Uh-huh. Sure.\n\nYep. Uh-huh. Yeah. That sounds good. Alright.\n\nK. That's Yeah. No. That sounds alright. Probably just leave that for now, I think.\n\nMhmm. Okay. Gotcha. Gotcha. Yep.\n\nAlright. No worries. Sounds good. What is the on the second page, the performance with IRR, what is the income in periods? What period is that?\n\nAbout a year? Yep. Oh, okay. Oh, so that's dividends, is it? Oh, okay.\n\nYeah. Okay. Right. Oh, so it gets reinvested. So the growth was 16.7 k, and then there was also 3.3 of income.\n\nSo the total's 20.1. Yep. Okay. Cool. No.\n\nI think that's alright. Mhmm. Yep. No worries. Actually, I do have one question.\n\nWhen I signed up with you guys, do you know what the super was when I first joined? I don't remember. Was it 01/20, one 30? Oh. Yep.\n\nWhere's this ground? Do I have it? Oh, okay. Yep. Oh, sorry.\n\nI was just checking your attachments in the email. I do have a Vanguard index chart. I don't know if that's me. Gotcha. Yeah.\n\nAlright. Cool. Alright. So I signed up with you guys at 01:13. Alright.\n\nSweet. That was two two years ago? Okay. Okay. Cool.\n\nAlright. Well, that's pretty good performance then. Cool. Yep. Yep.\n\nNo. Yellow. Mhmm. Right. Okay.\n\nYeah. Let's do a GTX here on the Super Bowl. Oh, I already lost 250,000 Australian on a GTXD. Yeah. I didn't know what I was doing, so I touched it, so then it it burnt.\n\nI mean, I made a lot of money on GTXD, so it's not too bad. And and and shiny as well, like triple leverage gold. So mostly makes up for it. Yeah. Yeah.\n\nWhich one? GDXU or No. No. Just in the last nine months. GDXU is not a fun one, but GDXU is good.\n\nSo, obviously, one is shorting and the other one's long. So, yeah, GDXU. Yeah. I made I made a I'm up 90 k USD on GDXU this financial year. And then shiny, I think, is, like, maybe 50.\n\nSo if I didn't be an idiot on GDXD, I'd, you know, had had a really good year. But I only just started sort of actively trading in, you know, this financial year anyway, so it's not a not a not terrible. Yeah. Yep. Yep.\n\nYeah. Yeah. Exactly. Yeah. Yeah.\n\nI'm not I'm not trying to be greedy. Like, super's fine. I don't really need to do anything with that. That's why I've only got, you know, 50% of the money over there is for actively investing in it. It's usually not so risky.\n\nSo I'm kind of working on a strategy. Yeah. Oh, it's yeah. It's next three years. I don't know if the world's gonna make it, but, you know, we'll see what I I might not need that super money.\n\nYeah. I might have to get, you know, sent to Greenland or something or defending it or taking it. I don't know which side we'll be on, but yeah. Yeah. Exactly.\n\nYep. Yeah. It's pretty wild. No. Seems pretty seems pretty good.\n\nUh-huh. Yep. Mhmm. Yep. Okay.\n\nMhmm. Mhmm. No worries. Sounds good. Yeah.\n\nI'll probably sign that today. Okay. No worries. Do you have do you have people I can get a loan from? Do you guys do that?\n\nWell, like I said well, like I said, the bank's being useless. So whoever can give me, I don't know, a 100 k for the tax bill and then investing with what I've got because I tried Bank of Failure and they basically told me to fuck off. So yeah. Well, that's they're the guys that you know, the first person I spoke to said with the calculator, maybe a 130 k or said you're approved for that. And then when they actually spoke to me, the next chick was like, yeah.\n\nWe can give you, like, 25 maybe. Okay. Mhmm. Okay. Yeah.\n\nSounds good. Yeah. No worries. I mean, it does it's not really that big a deal. Like, the the ATO will give me a a $56,000 loan anyway for 10 percent is their their charge for, like, you know, you paying it off slowly.\n\nSo it's not like I really, really, really need it. And Bank of Saudi was only 7% anyway, which, you know, what's the difference? So I was just gonna see who can give me some money for less than that slightly, and if that's good, I'll go with it. Okay. That sucks.\n\nYep. Yeah. Yep. Yeah. That's kinda what I was gonna do except I'll I'll pay it off sooner than that.\n\nSo but, yeah, the same thing. It was just I may as well take some money and then if I can make a few dollars off it and then pay it, then that's great. Mhmm. Okay. Yep.\n\nYep. Cool. Yeah. Perfect, man. Sounds good.\n\nYeah. Uh-huh. No, man. It's all good. I appreciate the call, and good luck with the new baby.\n\nNumber three. Yeah. Perfect, mate. Alright. Have a good one.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Steven speaking.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.028196988627314568},{"text":"Hey, man.","start":8.559999,"end":9.04,"sentiment":"neutral","sentiment_score":0.2680946961045265},{"text":"I'm good.","start":9.04,"end":9.44,"sentiment":"positive","sentiment_score":0.3926243931055069},{"text":"How are you?","start":9.44,"end":10.179999,"sentiment":"positive","sentiment_score":0.33712231119473773},{"text":"Oh, yeah.","start":15.025,"end":15.665,"sentiment":"neutral","sentiment_score":0.06765507906675339}],"sentiment":"neutral","sentiment_score":0.22950084067203783,"num_words":11,"start":2.6399999,"end":15.665},{"sentences":[{"text":"No worries.","start":15.665,"end":16.404999,"sentiment":"neutral","sentiment_score":0.0819241888821125},{"text":"No.","start":19.904999,"end":20.224998,"sentiment":"neutral","sentiment_score":-0.04609512537717819},{"text":"It's okay.","start":20.224998,"end":20.965,"sentiment":"neutral","sentiment_score":0.0020257035503163934},{"text":"Just trying to get out of the city without getting run over.","start":21.025,"end":23.445,"sentiment":"neutral","sentiment_score":-0.007537301008900006},{"text":"It's all good.","start":25.985,"end":26.965,"sentiment":"positive","sentiment_score":0.3855288525422414}],"sentiment":"neutral","sentiment_score":0.05939718025038019,"num_words":20,"start":15.665,"end":26.965},{"sentences":[{"text":"Yeah.","start":35.0,"end":35.4,"sentiment":"neutral","sentiment_score":0.11616043746471404},{"text":"It's fine.","start":35.4,"end":36.059998,"sentiment":"neutral","sentiment_score":0.2174471765756607},{"text":"Mhmm.","start":41.72,"end":42.22,"sentiment":"neutral","sentiment_score":0.15988491475582123},{"text":"Okay.","start":48.425003,"end":48.925003,"sentiment":"neutral","sentiment_score":0.122980035841465},{"text":"No 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Brisbane.","start":72.865,"end":78.965,"sentiment":"neutral","sentiment_score":0.03324649855494499},{"text":"Yeah.","start":83.119995,"end":83.28,"sentiment":"neutral","sentiment_score":0.05605529248714447},{"text":"Sure.","start":83.28,"end":83.78,"sentiment":"neutral","sentiment_score":0.10574452579021454},{"text":"Yeah.","start":93.439995,"end":93.939995,"sentiment":"neutral","sentiment_score":0.1373186707496643}],"sentiment":"neutral","sentiment_score":0.06401329953223467,"num_words":20,"start":57.609997,"end":93.939995},{"sentences":[{"text":"Mhmm.","start":107.715,"end":108.215,"sentiment":"neutral","sentiment_score":0.06805049628019333},{"text":"Cool.","start":114.369995,"end":114.869995,"sentiment":"neutral","sentiment_score":0.15185245871543884},{"text":"Nothing in particular.","start":120.53,"end":121.509995,"sentiment":"neutral","sentiment_score":-0.0420907282580932},{"text":"Not 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it.","start":179.39,"end":180.27,"sentiment":"neutral","sentiment_score":-0.09402457624673843}],"sentiment":"neutral","sentiment_score":0.057426638156175616,"num_words":10,"start":162.31499,"end":180.27},{"sentences":[{"text":"What is focusing on the property mean?","start":180.27,"end":182.19,"sentiment":"neutral","sentiment_score":-0.014274049550294876},{"text":"What's that mean?","start":182.19,"end":182.83,"sentiment":"neutral","sentiment_score":-0.018238152687748272},{"text":"Like, I don't remember.","start":182.83,"end":184.05,"sentiment":"neutral","sentiment_score":-0.02280077151954174},{"text":"Oh, okay.","start":191.285,"end":192.185,"sentiment":"neutral","sentiment_score":0.008962128311395645},{"text":"No.","start":193.525,"end":193.845,"sentiment":"neutral","sentiment_score":-0.03377682715654373}],"sentiment":"neutral","sentiment_score":-0.015393438913366374,"num_words":17,"start":180.27,"end":193.845},{"sentences":[{"text":"That'll just be paid off at whatever the repayments are.","start":193.845,"end":197.385,"sentiment":"neutral","sentiment_score":-0.027194064389914275},{"text":"Yeah.","start":198.23999,"end":198.73999,"sentiment":"neutral","sentiment_score":0.005137876607477665},{"text":"No.","start":200.64,"end":200.95999,"sentiment":"neutral","sentiment_score":-0.07452152669429779},{"text":"They're they're one they're paying that one, so it's their money.","start":200.95999,"end":204.09999,"sentiment":"neutral","sentiment_score":-0.05518136275085536},{"text":"I think my goal is just, I don't know, grow the grow the supers.","start":205.28,"end":210.73999,"sentiment":"neutral","sentiment_score":0.17730433174542018}],"sentiment":"neutral","sentiment_score":0.04145787459974353,"num_words":37,"start":193.845,"end":210.73999},{"sentences":[{"text":"Mhmm.","start":223.655,"end":224.1,"sentiment":"neutral","sentiment_score":0.022607140243053436},{"text":"Yeah.","start":228.02,"end":228.34001,"sentiment":"neutral","sentiment_score":0.06745615601539612},{"text":"That's about right.","start":228.34001,"end":229.40001,"sentiment":"neutral","sentiment_score":0.07648863395055135},{"text":"Yep.","start":234.1,"end":234.6,"sentiment":"neutral","sentiment_score":0.06814876198768616},{"text":"Yeah.","start":240.86499,"end":241.185,"sentiment":"neutral","sentiment_score":0.03603210672736168}],"sentiment":"neutral","sentiment_score":0.06053000954645021,"num_words":7,"start":223.655,"end":241.185},{"sentences":[{"text":"It's a little bit outdated.","start":241.185,"end":242.325,"sentiment":"negative","sentiment_score":-0.591952919960022},{"text":"Yeah.","start":249.02,"end":249.52,"sentiment":"neutral","sentiment_score":0.05417513847351074},{"text":"I actually sold that gold for, I don't know, couple of 100,000 profit, actually.","start":249.82,"end":255.74,"sentiment":"neutral","sentiment_score":0.09674973493175847},{"text":"So currently currently, there's 380 k of gold, and then there's 350 k of US stocks.","start":255.74,"end":271.815,"sentiment":"neutral","sentiment_score":0.04142440657597035},{"text":"That's in AUD, so that would be the 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shit.","start":317.215,"end":318.595,"sentiment":"negative","sentiment_score":-0.42174618939558667}],"sentiment":"neutral","sentiment_score":-0.18635655576602006,"num_words":39,"start":297.60498,"end":318.595},{"sentences":[{"text":"Yeah.","start":318.655,"end":319.13498,"sentiment":"neutral","sentiment_score":-0.2770155966281891},{"text":"They think you can't pay a loan even if you ask for an amount that's less that, you know, that you could pay off eight times over.","start":319.13498,"end":325.715,"sentiment":"negative","sentiment_score":-0.3853399334130464},{"text":"Well, they told me to go for a personal one.","start":331.31,"end":332.99,"sentiment":"neutral","sentiment_score":-0.08281743712723255},{"text":"I just wanted because I got a tax bill.","start":332.99,"end":334.47,"sentiment":"neutral","sentiment_score":-0.11223081002632777},{"text":"It was about 56 k to pay, and then I was like, well, if I gotta get that, I may as well just see how much money I can get, and I'll put 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yet.","start":796.875,"end":803.835,"sentiment":"neutral","sentiment_score":-0.07706024550965854},{"text":"No.","start":803.835,"end":804.335,"sentiment":"neutral","sentiment_score":-0.08769212663173676},{"text":"Yep.","start":807.275,"end":807.775,"sentiment":"neutral","sentiment_score":0.029636353254318237},{"text":"Okay.","start":823.3,"end":823.8,"sentiment":"neutral","sentiment_score":0.008115254342556},{"text":"Yep.","start":825.3,"end":825.8,"sentiment":"neutral","sentiment_score":-0.0720120221376419}],"sentiment":"neutral","sentiment_score":-0.060124932703646744,"num_words":11,"start":796.875,"end":825.8},{"sentences":[{"text":"Yeah.","start":827.195,"end":827.515,"sentiment":"neutral","sentiment_score":0.02114267274737358},{"text":"I'll probably have to set that up sent 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they call they consider gold 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don't know.","start":1181.0,"end":1181.5599,"sentiment":"neutral","sentiment_score":-0.08173078050216039},{"text":"Let's just replace it with one that's doing better and see what happens.","start":1181.5599,"end":1184.5399,"sentiment":"neutral","sentiment_score":-0.013768231926056055},{"text":"Uh-huh.","start":1188.0399,"end":1188.5399,"sentiment":"neutral","sentiment_score":0.07052621245384216},{"text":"Sure.","start":1190.7051,"end":1191.2051,"sentiment":"neutral","sentiment_score":0.14657989144325256}],"sentiment":"neutral","sentiment_score":-0.0083599937589545,"num_words":19,"start":1167.5449,"end":1191.2051},{"sentences":[{"text":"Yep.","start":1196.2251,"end":1196.7251,"sentiment":"neutral","sentiment_score":0.14602059125900269},{"text":"Uh-huh.","start":1201.025,"end":1201.525,"sentiment":"neutral","sentiment_score":0.05272170528769493},{"text":"Yeah.","start":1207.28,"end":1207.68,"sentiment":"neutral","sentiment_score":0.3304172158241272},{"text":"That sounds 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so that's dividends, is it?","start":1302.015,"end":1303.795,"sentiment":"neutral","sentiment_score":0.028090587506691616},{"text":"Oh, okay.","start":1304.735,"end":1305.555,"sentiment":"neutral","sentiment_score":0.03390476666390896}],"sentiment":"neutral","sentiment_score":0.029630745628050396,"num_words":14,"start":1293.0,"end":1305.555},{"sentences":[{"text":"Yeah.","start":1308.575,"end":1308.895,"sentiment":"neutral","sentiment_score":-0.02853621542453766},{"text":"Okay.","start":1308.895,"end":1309.395,"sentiment":"neutral","sentiment_score":-0.06139335781335831},{"text":"Right.","start":1315.1901,"end":1315.6901,"sentiment":"neutral","sentiment_score":-0.01830286532640457},{"text":"Oh, so it gets reinvested.","start":1317.1901,"end":1318.41,"sentiment":"neutral","sentiment_score":0.016104295291006564},{"text":"So the growth was 16.7 k, and then there was also 3.3 of income.","start":1318.4701,"end":1323.3501,"sentiment":"neutral","sentiment_score":0.041131289808877876}],"sentiment":"neutral","sentiment_score":0.024914867964319208,"num_words":22,"start":1308.575,"end":1323.3501},{"sentences":[{"text":"So the total's 20.1.","start":1323.3501,"end":1325.4501,"sentiment":"neutral","sentiment_score":0.04553417582064867},{"text":"Yep.","start":1326.945,"end":1327.345,"sentiment":"neutral","sentiment_score":0.18011252582073212},{"text":"Okay.","start":1327.345,"end":1327.665,"sentiment":"neutral","sentiment_score":0.2728884220123291},{"text":"Cool.","start":1327.665,"end":1328.165,"sentiment":"positive","sentiment_score":0.3706570267677307},{"text":"No.","start":1335.505,"end":1335.745,"sentiment":"neutral","sentiment_score":-0.02440113015472889}],"sentiment":"neutral","sentiment_score":0.12267419346608222,"num_words":8,"start":1323.3501,"end":1335.745},{"sentences":[{"text":"I think that's alright.","start":1335.745,"end":1336.965,"sentiment":"neutral","sentiment_score":0.005498888436704874},{"text":"Mhmm.","start":1347.1799,"end":1347.6799,"sentiment":"neutral","sentiment_score":0.01876271888613701},{"text":"Yep.","start":1352.5399,"end":1353.0399,"sentiment":"neutral","sentiment_score":0.03458722308278084},{"text":"No worries.","start":1357.395,"end":1358.135,"sentiment":"neutral","sentiment_score":0.041333822533488274},{"text":"Actually, I do have one question.","start":1358.1951,"end":1359.5751,"sentiment":"neutral","sentiment_score":-0.013547800170878569}],"sentiment":"neutral","sentiment_score":0.005480452839817319,"num_words":14,"start":1335.745,"end":1359.5751},{"sentences":[{"text":"When I signed up with you guys, do you know what the super was when I first joined?","start":1359.795,"end":1363.8151,"sentiment":"neutral","sentiment_score":0.0015237987455394533},{"text":"I don't remember.","start":1364.355,"end":1364.995,"sentiment":"neutral","sentiment_score":-0.015787797669569652},{"text":"Was it 01/20, one 30?","start":1364.995,"end":1367.735,"sentiment":"neutral","sentiment_score":-0.02898800391703844},{"text":"Oh.","start":1376.47,"end":1376.63,"sentiment":"neutral","sentiment_score":0.06493327021598816},{"text":"Yep.","start":1376.63,"end":1377.13,"sentiment":"neutral","sentiment_score":0.05982748791575432}],"sentiment":"neutral","sentiment_score":-0.0014326527515160187,"num_words":28,"start":1359.795,"end":1377.13},{"sentences":[{"text":"Where's this ground?","start":1390.525,"end":1391.405,"sentiment":"neutral","sentiment_score":0.00561805638911513},{"text":"Do I have it?","start":1391.405,"end":1392.225,"sentiment":"neutral","sentiment_score":0.01241354295052588},{"text":"Oh, okay.","start":1395.405,"end":1396.3049,"sentiment":"neutral","sentiment_score":0.03525208495557308},{"text":"Yep.","start":1397.1649,"end":1397.6649,"sentiment":"neutral","sentiment_score":0.0707240104675293},{"text":"Oh, sorry.","start":1400.92,"end":1401.16,"sentiment":"neutral","sentiment_score":-0.006008943077176809}],"sentiment":"neutral","sentiment_score":0.01630988626614756,"num_words":12,"start":1390.525,"end":1401.16},{"sentences":[{"text":"I was just checking your attachments in the email.","start":1401.16,"end":1403.18,"sentiment":"neutral","sentiment_score":-0.023082566757996876},{"text":"I do have a Vanguard index chart.","start":1403.64,"end":1405.64,"sentiment":"neutral","sentiment_score":0.015859178932649747},{"text":"I don't know if that's 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that?","start":1704.46,"end":1705.6799,"sentiment":"neutral","sentiment_score":0.0065014947205781935}],"sentiment":"neutral","sentiment_score":0.054619812012578435,"num_words":26,"start":1688.995,"end":1705.6799},{"sentences":[{"text":"Well, like I said well, like I said, the bank's being useless.","start":1711.74,"end":1714.835,"sentiment":"neutral","sentiment_score":-0.2646744226415952},{"text":"So whoever can give me, I don't know, a 100 k for the tax bill and then investing with what I've got because I tried Bank of Failure and they basically told me to fuck off.","start":1715.135,"end":1726.975,"sentiment":"neutral","sentiment_score":-0.2758190967142582},{"text":"So yeah.","start":1726.975,"end":1731.35,"sentiment":"neutral","sentiment_score":-0.1549256220459938},{"text":"Well, that's they're the guys that you know, the first person I spoke to said with the calculator, maybe a 130 k or said you're approved for 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maybe.","start":1742.47,"end":1744.4099,"sentiment":"neutral","sentiment_score":-0.04698407969304493},{"text":"Okay.","start":1753.355,"end":1753.855,"sentiment":"neutral","sentiment_score":0.001418931409716606},{"text":"Mhmm.","start":1759.0901,"end":1759.3301,"sentiment":"neutral","sentiment_score":-0.024445412680506703},{"text":"Okay.","start":1759.3301,"end":1759.8301,"sentiment":"neutral","sentiment_score":-0.03107126802206039},{"text":"Yeah.","start":1768.37,"end":1768.77,"sentiment":"neutral","sentiment_score":0.14397475123405457}],"sentiment":"neutral","sentiment_score":-0.021728323264555496,"num_words":11,"start":1742.47,"end":1768.77},{"sentences":[{"text":"Sounds good.","start":1768.77,"end":1769.5901,"sentiment":"positive","sentiment_score":0.35012395679950714},{"text":"Yeah.","start":1771.745,"end":1771.985,"sentiment":"neutral","sentiment_score":0.1739107370376587},{"text":"No worries.","start":1771.985,"end":1772.5449,"sentiment":"neutral","sentiment_score":0.2134251892566681},{"text":"I mean, it does it's not really that big a deal.","start":1772.5449,"end":1774.705,"sentiment":"neutral","sentiment_score":0.1263433417136019},{"text":"Like, the the ATO will give me a a $56,000 loan anyway for 10 percent is their their charge for, like, you know, you paying it off slowly.","start":1774.705,"end":1785.365,"sentiment":"neutral","sentiment_score":0.14552042154329164}],"sentiment":"neutral","sentiment_score":0.15375812707299535,"num_words":44,"start":1768.77,"end":1785.365},{"sentences":[{"text":"So it's not like I really, really, really need it.","start":1786.5,"end":1788.5,"sentiment":"neutral","sentiment_score":-0.09335472136735916},{"text":"And Bank of Saudi was only 7% anyway, which, you know, what's the difference?","start":1788.5,"end":1792.8201,"sentiment":"neutral","sentiment_score":0.0071477437657969335},{"text":"So I was just gonna see who can give me some money for less than that slightly, and if that's good, I'll go with it.","start":1792.8201,"end":1800.4401,"sentiment":"neutral","sentiment_score":0.2065208300948143},{"text":"Okay.","start":1809.1951,"end":1809.6951,"sentiment":"neutral","sentiment_score":0.07898452877998352},{"text":"That sucks.","start":1810.0751,"end":1810.8151,"sentiment":"neutral","sentiment_score":-0.10988139361143112}],"sentiment":"neutral","sentiment_score":0.08055314794182777,"num_words":52,"start":1786.5,"end":1810.8151},{"sentences":[{"text":"Yep.","start":1813.115,"end":1813.615,"sentiment":"neutral","sentiment_score":0.14866644144058228},{"text":"Yeah.","start":1817.7999,"end":1818.2999,"sentiment":"neutral","sentiment_score":0.25255218148231506},{"text":"Yep.","start":1819.88,"end":1820.38,"sentiment":"neutral","sentiment_score":0.22721873223781583},{"text":"Yeah.","start":1824.6799,"end":1825.1799,"sentiment":"neutral","sentiment_score":0.1563340425491333},{"text":"That's kinda what I was gonna do except I'll I'll pay it off sooner than that.","start":1825.24,"end":1829.1599,"sentiment":"neutral","sentiment_score":0.11112158256582916}],"sentiment":"neutral","sentiment_score":0.12813583593815564,"num_words":20,"start":1813.115,"end":1829.1599},{"sentences":[{"text":"So but, yeah, the same thing.","start":1829.1599,"end":1830.6,"sentiment":"neutral","sentiment_score":0.15730166683594385},{"text":"It was just I may as well take some money and then if I can make a few dollars off it and then pay it, then that's great.","start":1830.6,"end":1836.425,"sentiment":"neutral","sentiment_score":0.24781698627131327},{"text":"Mhmm.","start":1842.325,"end":1842.825,"sentiment":"neutral","sentiment_score":0.12449203431606291},{"text":"Okay.","start":1846.18,"end":1846.68,"sentiment":"neutral","sentiment_score":0.15315410494804382},{"text":"Yep.","start":1846.9,"end":1847.4,"sentiment":"neutral","sentiment_score":0.13830550014972687}],"sentiment":"neutral","sentiment_score":0.22428749340611534,"num_words":37,"start":1829.1599,"end":1847.4},{"sentences":[{"text":"Yep.","start":1850.74,"end":1851.24,"sentiment":"neutral","sentiment_score":0.15774445235729218},{"text":"Cool.","start":1855.7,"end":1856.2,"sentiment":"positive","sentiment_score":0.3489822745323181},{"text":"Yeah.","start":1863.6549,"end":1863.975,"sentiment":"positive","sentiment_score":0.3995358943939209},{"text":"Perfect, man.","start":1863.975,"end":1864.5349,"sentiment":"positive","sentiment_score":0.7746449410915375},{"text":"Sounds good.","start":1864.5349,"end":1865.275,"sentiment":"positive","sentiment_score":0.8235333263874054}],"sentiment":"positive","sentiment_score":0.586088450891631,"num_words":7,"start":1850.74,"end":1865.275},{"sentences":[{"text":"Yeah.","start":1869.095,"end":1869.595,"sentiment":"positive","sentiment_score":0.5981506109237671},{"text":"Uh-huh.","start":1872.215,"end":1872.715,"sentiment":"neutral","sentiment_score":0.09846612811088562},{"text":"No, man.","start":1874.0,"end":1874.5599,"sentiment":"neutral","sentiment_score":0.12918886542320251},{"text":"It's all good.","start":1874.5599,"end":1875.0399,"sentiment":"positive","sentiment_score":0.6119176149368286},{"text":"I appreciate the call, and good luck with the new baby.","start":1875.0399,"end":1878.1599,"sentiment":"positive","sentiment_score":0.7528794841332869}],"sentiment":"positive","sentiment_score":0.6151345355643166,"num_words":18,"start":1869.095,"end":1878.1599},{"sentences":[{"text":"Number three.","start":1878.1599,"end":1878.98,"sentiment":"neutral","sentiment_score":0.28037387132644653},{"text":"Yeah.","start":1885.033,"end":1885.273,"sentiment":"positive","sentiment_score":0.3794867992401123},{"text":"Perfect, mate.","start":1885.273,"end":1885.913,"sentiment":"positive","sentiment_score":0.6539721190929413},{"text":"Alright.","start":1885.913,"end":1886.153,"sentiment":"positive","sentiment_score":0.5155335664749146},{"text":"Have a good one.","start":1886.153,"end":1886.9729,"sentiment":"positive","sentiment_score":0.6160151362419128}],"sentiment":"positive","sentiment_score":0.5227772891521454,"num_words":10,"start":1878.1599,"end":1886.9729},{"sentences":[{"text":"Cheers.","start":1887.9929,"end":1888.4729,"sentiment":"positive","sentiment_score":0.4607559144496918},{"text":"Bye.","start":1888.4729,"end":1888.9729,"sentiment":"neutral","sentiment_score":-0.087491475045681}],"sentiment":"neutral","sentiment_score":0.1866322197020054,"num_words":2,"start":1887.9929,"end":1888.9729}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Steven speaking.\n\nChannel 0: Steven, good afternoon. It's Tommy, senior adviser from Oakview Financial. How are you going?\n\nChannel 1: Hey, man. I'm good. How are you?\n\nChannel 0: I'm doing fantastic. I'm just giving you a call to go through your annual review.\n\nChannel 1: Oh, yeah. No worries.\n\nChannel 0: Have I caught you out and about at the moment, sir?\n\nChannel 1: No. It's okay. Just trying to get out of the city without getting run over.\n\nChannel 0: Oh, that's always the drama.\n\nChannel 1: It's all good.\n\nChannel 0: Cool. Now are you okay if I go through about it probably takes about twenty, thirty minutes or so?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Perfect. So what I'm gonna do is I'm just gonna do a quick security check with you. I'll\n\nChannel 1: Mhmm.\n\nChannel 0: send through your annual review pack, but because you are driving, I'll just leave that with you to review after the call as well.\n\nChannel 1: Okay.\n\nChannel 0: We have a bit of a new system, so I'm just gonna update a couple of details, run through any plan changes in your strategies, and then I can pretty much let you go.\n\nChannel 1: No worries. Sounds good.\n\nChannel 0: Perfect. So just for security, so I'm registered with ASIC as adviser 1273105. We don't have a security question on file. Could you please confirm your date of birth and address?\n\nChannel 1: Fourth of the second ninety twenty two sixty seven thirty eight Hope Street, South Brisbane.\n\nChannel 0: Sensational. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Perfect. Alright. Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com. Is that okay?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So I'll send that through to you now just so you've got it. Just to let you know what's coming, it's got an updated financial services guide, performance report, an overview services guide, and the service agreement as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'll pop that through just so it goes through the old email system for later.\n\nChannel 1: Cool.\n\nChannel 0: Was there anything in particular that you were hoping to get out of this annual review?\n\nChannel 1: Nothing in particular. Not really.\n\nChannel 0: Obviously, just a bit of a general update, make sure it's all going well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. So I'm just gonna quickly run through the details that we've got because new system, just wanna make sure there hasn't been any significant changes, and then I'll run through the super performance if that's okay.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Cool. Just checking goals wise from when you came on board to recently. So the overarching goal that we're planning is a nice early retirement at least the age of 60, which is when you can access your super with 2,000 a week tax free coming out with, obviously, the mortgage paid off is kind of the ideal situation.\n\nChannel 1: Mhmm. Yeah. Sure. Yep.\n\nChannel 0: K?\n\nChannel 1: Sounds good.\n\nChannel 0: Outside of that, you were basically focusing on your career, paying down the mortgage, and just focusing on the property side of things. Anything else in particular on the go for you at the moment?\n\nChannel 1: No. That's sort of mostly it. What is focusing on the property mean? What's that mean? Like, I don't remember.\n\nChannel 0: I was just focusing on paying down the mortgage. It says pay down the mortgage your parents stay in over the next five years.\n\nChannel 1: Oh, okay. No. That'll just be paid off at whatever the repayments are.\n\nChannel 0: Yep. So no extra\n\nChannel 1: Yeah.\n\nChannel 0: repayments or any speed on that one?\n\nChannel 1: No. They're they're one they're paying that one, so it's their money.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: I think my goal is just, I don't know, grow the grow the supers.\n\nChannel 0: Yep. Sensational. I'm just having a look at the assets and liabilities here. Just let me know if this is right. So we've got the main residence.\n\nIt says the mortgage is obviously the one that your parents are covering. So\n\nChannel 1: Mhmm.\n\nChannel 0: 400,000 owing and a value of about $8.50.\n\nChannel 1: Yeah. That's about right.\n\nChannel 0: K. We had in terms of other assets, you had a car at a $100\n\nChannel 1: Yep.\n\nChannel 0: worth of savings and around about 400,000 in gold ETFs.\n\nChannel 1: Yeah. It's a little bit outdated.\n\nChannel 0: K. Is that jumped up a lot? I know gold kind of soared towards the end of last year and then came back down a bit.\n\nChannel 1: Yeah. I actually sold that gold for, I don't know, couple of 100,000 profit, actually. So\n\nChannel 0: Yeah.\n\nChannel 1: currently currently, there's 380 k of gold, and then there's 350 k of US stocks. That's\n\nChannel 0: Yep.\n\nChannel 1: in AUD, so that would be the total.\n\nChannel 0: Okay. And then those stocks, is that just in, like, a, like, a standard Vanguard international\n\nChannel 1: No.\n\nChannel 0: ETF\n\nChannel 1: No. It's\n\nChannel 0: or something?\n\nChannel 1: more more actively traded. So, currently, it's it's on stake, but, currently, it's in, like, GDXU mostly. It's kind of a\n\nChannel 0: GDX.\n\nChannel 1: YOLO play.\n\nChannel 0: Yeah. Fair. Fair. Done alright. It actually managed.\n\nChannel 1: And then\n\nChannel 0: Okay.\n\nChannel 1: savings, I I think there's any, maybe 20 k in Australia. Well,\n\nChannel 0: Yep.\n\nChannel 1: in a if it in savings.\n\nChannel 0: Right. Savings about 20 k. Perfect. No other loans or anything pop up?\n\nChannel 1: No. I'm trying to get one, but the bank's being a bit shit.\n\nChannel 0: No way. With all that capital behind you, the banks won't give you a loan.\n\nChannel 1: Oh, they don't give a shit. Yeah. They think you can't pay a loan even if you ask for an amount that's less that, you know, that you could pay off eight times over.\n\nChannel 0: Oh, jeez. Okay. Is that what type of loan were you trying to go for?\n\nChannel 1: Well, they told me to go for a personal one. I just wanted because I got a tax bill. It was about 56 k to pay, and then I was like, well,\n\nChannel 0: Yeah.\n\nChannel 1: if I gotta get that, I may as well just see how much money I can get, and I'll put the into, you know, invest it. So I tried to get, like, a $100,130. One guy said I could get $1.30, and then when they rang me to do the actual thing, they were like, we can give you maybe 20 if you're lucky. K. I know.\n\nThat's what I said. That's pretty pathetic.\n\nChannel 0: Wow. It's weird. It's like you you're kind of my hero in a certain way because I was going through a similar similar pathway with the property and the gold and things like that. And when you get to that asset level, the not being able to get a $100 in a loan is a bit strange, but, you know,\n\nChannel 1: Oh, it's crazy. Crazy.\n\nChannel 0: cash flow is always the thing.\n\nChannel 1: Yeah. It's ridiculous.\n\nChannel 0: Speaking of cash flow, we had you working field services IT for\n\nChannel 1: Yep.\n\nChannel 0: Unisys, about 110 k.\n\nChannel 1: Yeah. About that.\n\nChannel 0: Yep. And still able to put aside a solid thousand a week in savings.\n\nChannel 1: Yes. Yeah. About that.\n\nChannel 0: K. And are you focusing on the cash flow? Because I know you said the mortgage is just regular repayments and so on. Are you gonna focus on more investments?\n\nChannel 1: Yeah. Yeah. Mostly. I've got about 50%, obviously, in the stake, which is more active. And then I've got Australian Gold, which I do plan on moving that stake, but I'll still keep it as, you know, only 50 percent or so will be actively invested, and the other half will be put more long term.\n\nChannel 0: Awesome. I'm assuming stake will be okay to do a bit of an in specie transfer onto their platform so at least it's all on the login for you.\n\nChannel 1: Yeah. I don't know what any of that means, but yes.\n\nChannel 0: So one of the things that I've done a few times for people, just for, like, self managed super funds is\n\nChannel 1: Yep.\n\nChannel 0: they had a whole bunch of shares sitting in different trading accounts with Comsec and Navtrade and so on.\n\nChannel 1: Okay.\n\nChannel 0: And we were using Macquarie at the time. In Macquarie Base, we said, you can fill out all your your cost base paperwork for when you got them and everything, and they\n\nChannel 1: Right.\n\nChannel 0: were gonna, like, bring those assets onto the platform. So at least it was on the login alongside your\n\nChannel 1: Oh,\n\nChannel 0: other\n\nChannel 1: yeah.\n\nChannel 0: investments.\n\nChannel 1: Yeah. That'd be handy.\n\nChannel 0: And I know Stake does it for domestic. They\n\nChannel 1: Yep.\n\nChannel 0: don't do it for international, I think.\n\nChannel 1: Oh, okay. Yeah. Yeah. I know. Yeah.\n\nThey can do the transfer for the domestic stuff.\n\nChannel 0: Yep.\n\nChannel 1: I went to do it, but then they wanted a whole bunch of info, and they didn't like something I gave them. So I haven't\n\nChannel 0: Yeah.\n\nChannel 1: got\n\nChannel 0: Look.\n\nChannel 1: around\n\nChannel 0: It\n\nChannel 1: to\n\nChannel 0: is\n\nChannel 1: doing\n\nChannel 0: painful.\n\nChannel 1: that.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: It is. Yeah.\n\nChannel 0: possible. Possible, painful.\n\nChannel 1: Yeah. I'd like well, I figured I can do it, or I can just sell the Australian gold soon and then move it anyway.\n\nChannel 0: Yeah. Yep. Absolutely.\n\nChannel 1: Yeah. Same income.\n\nChannel 0: Now are you after any kind of investment advice from Oakview, or is it more just handle the super and you're gonna keep investing this personally?\n\nChannel 1: Yeah. I mean, I'll just invest it personally, I think. And I guess like, I mean, do you guys set up self manage or or what? Because you mentioned that, but doesn't that mean you guys don't have a job if I do that?\n\nChannel 0: Yeah. No. So with the self managed, I guess, the more standard setup that we do is when\n\nChannel 1: Yep.\n\nChannel 0: people, like, borrowing to get investment properties. Right? So\n\nChannel 1: Right.\n\nChannel 0: you get an accountant. The accountant sets up a trust fund and a corporate trustee, like a company. We go through and do the plan to say, okay. We're gonna use this bank account and this investment platform. You're with Hub at the moment.\n\nRight? So\n\nChannel 1: Yep.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: an example, use Hub as the investment account, bank account for the cash, put it all together, buy the property, anything in excess of that, just invest it along the side of it kind of thing. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Okay.\n\nChannel 0: something that we do do similar to like, hub's also got investment accounts as an example. So if you wanted to have, like, an investment platform next to your super fund, you can kind of link them up, and it helps reduce your admin fees, and you've got access to all the same ETFs, stocks, managed\n\nChannel 1: Right.\n\nChannel 0: funds,\n\nChannel 1: Okay.\n\nChannel 0: and everything as well. So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, personal investing in SMSF, we do a little bit of.\n\nChannel 1: Okay. Alright.\n\nChannel 0: K.\n\nChannel 1: Yeah. I don't know. I mean, I considered moving to SMSF soon. I just haven't got around to that. So I don't know if that's something you guys can help with.\n\nChannel 0: Yeah. And I think one of the things that we gotta do is, obviously, there's been a few changes in the budget recently,\n\nChannel 1: Mhmm.\n\nChannel 0: and there's gonna be a big surge in people going to SMSFs. And\n\nChannel 1: Okay.\n\nChannel 0: whenever that happens, because if property negative gearing capital gains changes affect, again, shares, gold ETFs, and property, it's gonna cause a fluctuation of people into SMSF. And the next\n\nChannel 1: Yep.\n\nChannel 0: step is the government then jumps on that and tries to find out what goals they wanna change on that side of things.\n\nChannel 1: Right. Okay.\n\nChannel 0: So I would love to be like, yeah, man. Let's go for it. We'll set this up, and I'll charge you this, and we'll do this, and there'll be heaps\n\nChannel 1: Yep.\n\nChannel 0: of fun, and you'll get all this. And then six months later, the government says, yeah. We've changed these rules on SMSF because everyone's it's the flavor of the week.\n\nChannel 1: Yeah. Gotcha.\n\nChannel 0: So if you're comfortable with it, what I would like to do is just park it for six to twelve months,\n\nChannel 1: Okay.\n\nChannel 0: wait for it to kind of filter through the political system first. And then if it's still a good plan and they're not changing too much, we can then dive into that together.\n\nChannel 1: Yep. Alright. Yeah. That sounds pretty good.\n\nChannel 0: Yep. Cool. I'll put a flag on the account there because we obviously touched base during the reviews, and I'll put a note to talk about that next time as well.\n\nChannel 1: Yep.\n\nChannel 0: We usually do, like, annual reviews, but also offer quarterly catch ups, six monthly reviews, and so on. Do you want me to pencil anything in for, say, six months' time or just maybe wait for that next review and go through it then?\n\nChannel 1: We'll do it in six months time, I think.\n\nChannel 0: Yep. So just before Christmas time would be good.\n\nChannel 1: Yeah.\n\nChannel 0: That should give us, again, 90% chance to know what's going on with legislation.\n\nChannel 1: Yep.\n\nChannel 0: So I\n\nChannel 1: Okay.\n\nChannel 0: think that'll be good timing if you're okay with that.\n\nChannel 1: No worries. That sounds good.\n\nChannel 0: Okay. Outside of that, I'm gonna jump into the super for a quick sec, but\n\nChannel 1: Mhmm.\n\nChannel 0: there was, I think, previous quotes for, like, insurances and things like that. You've got a very healthy asset base.\n\nChannel 1: Okay.\n\nChannel 0: I don't see any life insurance, TPD, income protection, all that fun stuff. Is there anything you need on the insurance front this year?\n\nChannel 1: Probably not right now. I could probably look into that later on.\n\nChannel 0: Yep. I mean, generally speaking, life insurance and TPD covers debts, and you've got more capital than you do liabilities. So that's\n\nChannel 1: Yep.\n\nChannel 0: okay.\n\nChannel 1: Okay.\n\nChannel 0: And income protection is just to, you know, keep things going if you're out for six months,\n\nChannel 1: Gotcha.\n\nChannel 0: which I think even health wise you'd gone through with the echocardiograms before.\n\nChannel 1: Yeah. I think I had some of that stuff done.\n\nChannel 0: Yep. And bit of blood pressure medication still going?\n\nChannel 1: Yeah. Yeah. Still on that stuff too.\n\nChannel 0: Yeah. So if we get to a point where you wanna look at, like, income protection cover, I've\n\nChannel 1: Uh-huh.\n\nChannel 0: gotta be careful on the health side of things because any blood pressure issues may cause loadings where it goes, yep. It's $2 initially, but we're gonna add 50%, a 100% extra price on it.\n\nChannel 1: Jesus. Okay.\n\nChannel 0: It jumps up very quickly. So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to.\n\nChannel 1: Probably come back to it in maybe six months, I think, on the next one.\n\nChannel 0: Yep. A part of self managed super funds is they you have to have considered protection. And\n\nChannel 1: Okay.\n\nChannel 0: when we do a a new statement of advice plan, we do put considerations in there or at least recommend it, and then\n\nChannel 1: Yep.\n\nChannel 0: you can say, yes. It's been considered or not.\n\nChannel 1: Right. Okay.\n\nChannel 0: K. So I'll park that for now. Estate planning\n\nChannel 1: I\n\nChannel 0: wise, were you putting in place like a will or a power of attorney or anything like that?\n\nChannel 1: haven't done any of that yet. No.\n\nChannel 0: K. Because you're still single at the moment. Right?\n\nChannel 1: Yep.\n\nChannel 0: K. Just thinking someone of your asset base at some point would be nice to at least have, like, the power of attorney in place. So if you're in hospital, someone can access the bank accounts, keep the mortgage repayments going, make sure\n\nChannel 1: Okay.\n\nChannel 0: things aren't going awry, talk to the\n\nChannel 1: Yep.\n\nChannel 0: doctors and things like that.\n\nChannel 1: Yeah. I'll probably have to set that up sent to.\n\nChannel 0: In terms of so I'm just having a look at your hub account. Beneficiaries, did you have anyone that you were trying to leave the super to?\n\nChannel 1: No. I'd probably have to figure that out when I do the will.\n\nChannel 0: Yeah. And, look, it's one of those things where if you don't have like that, they call it a sys act dependent,\n\nChannel 1: Okay.\n\nChannel 0: like a spouse or a child, Your super with no nomination just goes to your estate anyway\n\nChannel 1: Yep.\n\nChannel 0: where it'll filter through. There's no nomination, so it kind of forms part of everything else, and someone's gonna have to go to the courts and say, hey. This guy's got half $1,000,000 and all $600 of ETFs in a property, and who gets it? So without\n\nChannel 1: Yep.\n\nChannel 0: a nomination, it will go through the public system over time.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K? But if there's anything that we can put in place when you find someone, just let us know.\n\nChannel 1: Alright. Yeah. Sounds good. I'll have to look\n\nChannel 0: Cool.\n\nChannel 1: into that.\n\nChannel 0: When it comes to the Hub Super, I know you do a lot of trading. Do you keep an eye on the super side every now and then? Or\n\nChannel 1: No. Because I don't think I can even log in to Hub. I think I've tried, but I couldn't get it to work. I\n\nChannel 0: always\n\nChannel 1: get I got your emails up now anyway.\n\nChannel 0: fun. K. Do you want me to do any password resets for Hub?\n\nChannel 1: Yeah. Sure. Yeah. If you wanna send that through.\n\nChannel 0: Yep. One of the handy tools for Hub is the website login is much better than the app.\n\nChannel 1: Okay.\n\nChannel 0: So it's much easier to get in. And when you're in, it's a bit more easy on the eyes in terms of reporting, but\n\nChannel 1: Yeah.\n\nChannel 0: we've got\n\nChannel 1: I'd\n\nChannel 0: all\n\nChannel 1: probably\n\nChannel 0: the\n\nChannel 1: use the web app. Yeah.\n\nChannel 0: yeah. Any in-depth reports that you need, we can generate 47 different types of reports because it's quite\n\nChannel 1: Okay.\n\nChannel 0: an in-depth platform. It's a wrap platform. It's got all the bells, whistles, and features. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: we've got access to all of that for you anyway as well.\n\nChannel 1: Alright. Cool.\n\nChannel 0: In terms of the portfolio side of things, so\n\nChannel 1: Mhmm.\n\nChannel 0: a couple of things I need to make you aware of is just pulling up your portfolio. So you're in the high growth, obviously, 4.5 out of five on the risk scale, 90% shares property and gold. Not very much in safe side of things. Obviously, just trying to get the high long term returns.\n\nChannel 1: Okay. Yep. So they call they consider gold risk?\n\nChannel 0: It's a bit of a fifty fifty. We it's got\n\nChannel 1: Okay.\n\nChannel 0: some defensive aspects, but, obviously, the volatility that you can see, I'm not gonna put a 70 year old retiree into it, and then it\n\nChannel 1: Yeah.\n\nChannel 0: goes\n\nChannel 1: Yeah.\n\nChannel 0: down 40\n\nChannel 1: True.\n\nChannel 0: percent and all that kind of thing.\n\nChannel 1: True. Yeah. Okay.\n\nChannel 0: So we call that an alternative, and that's a bit of\n\nChannel 1: Right.\n\nChannel 0: a fifty fifty split.\n\nChannel 1: Okay. Cool.\n\nChannel 0: K? Outside of that, I'm looking at the the average returns we're looking for for high growth is a consistent double digit, 10% or\n\nChannel 1: Yep.\n\nChannel 0: above. You've still cleared 11 and a half percent after fees, so\n\nChannel 1: Okay.\n\nChannel 0: it's hit it pretty well even with a bit of a jitters in March. When you go through the portfolio table, you'll see all of the investment options with a return on the right hand column, and anything that's a percentage is growth. Anything in brackets is a negative. And then\n\nChannel 1: Yep.\n\nChannel 0: the second page gives you your total portfolio return.\n\nChannel 1: Gotcha. Yep. I can see that.\n\nChannel 0: So what I wanted to point out is the Benelong Australian shares is one that I've put a bit of a flag on because\n\nChannel 1: Yep.\n\nChannel 0: that level of drop for an Australian equities option is higher than all the other options at the moment.\n\nChannel 1: Okay. Yep.\n\nChannel 0: That's a bit more volatile than I would have liked. Everything else, your defensive portion's up 4%. That's pretty standard for fixed interest. Battery tech and electric vehicles is up 92%. Amazing.\n\nGold's up\n\nChannel 1: Pretty\n\nChannel 0: 20\n\nChannel 1: good.\n\nChannel 0: two. Your S and P five hundred's up 16%. China's up 19%. Property's flat. So all the options except for one have done really well.\n\nThe question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for it. Outside\n\nChannel 1: For the\n\nChannel 0: of\n\nChannel 1: Bennelong\n\nChannel 0: that,\n\nChannel 1: Run?\n\nChannel 0: yeah, for that Australian shares portion.\n\nChannel 1: What do you reckon?\n\nChannel 0: So I can replace it with anything in terms of active or passive and find\n\nChannel 1: Yep.\n\nChannel 0: a good option to sidestep it into.\n\nChannel 1: Mhmm.\n\nChannel 0: The most I would give it is maybe six months, but even then, it would be one to really keep a close eye on.\n\nChannel 1: Yeah. Well, I mean, what do you reckon? Resell it or wait?\n\nChannel 0: I reckon give it a little bit of time,\n\nChannel 1: Mhmm.\n\nChannel 0: see how it goes. If it doesn't bounce back, I really wanna ask you in terms of replacement options.\n\nChannel 1: Yep.\n\nChannel 0: Preferred style, do you want me to replace it with an active option or a passive option? Go low fees or or keep trying to beat the market.\n\nChannel 1: I mean, I don't know.\n\nChannel 0: So what I'm thinking\n\nChannel 1: What\n\nChannel 0: is\n\nChannel 1: what is\n\nChannel 0: your\n\nChannel 1: the fees on the active one?\n\nChannel 0: yeah. So the the Benelong is currently 0.99%, and it's supposed\n\nChannel 1: Yep.\n\nChannel 0: to obviously get returns higher than the Aussie market. So\n\nChannel 1: Mhmm.\n\nChannel 0: the the a 200 ETF, that's your passive, that's\n\nChannel 1: Yep.\n\nChannel 0: 0.2 for the passive\n\nChannel 1: Okay.\n\nChannel 0: option. There are other active options which are a little bit more affordable, a little bit better performance as well. There's\n\nChannel 1: Yep.\n\nChannel 0: a couple that we've been researching recently to have as alternatives. So what I'm basically saying with your portfolio is most of it is in passive ETFs. You've got\n\nChannel 1: Yep.\n\nChannel 0: a little bit in the active side. The active side's kind of been dragging its feet a little bit. I can either replace it with an active fund that's been doing the right thing or just go full passive across the whole super.\n\nChannel 1: I don't know. Let's just replace it with one that's doing better and see what happens.\n\nChannel 0: Yep. So what I might do, if it's okay with you, is\n\nChannel 1: Uh-huh.\n\nChannel 0: I can do that now\n\nChannel 1: Sure.\n\nChannel 0: in terms of I'll put together a statement of advice with the replacement option that I research, send\n\nChannel 1: Yep.\n\nChannel 0: that through to you so you can have a look and make sure you're okay with what we're doing and why.\n\nChannel 1: Uh-huh.\n\nChannel 0: And then we can do a bit of a rebalance and and touch up the old do an engine tune across the whole lot.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Cool. Now it'll be a couple of weeks just because I'm about to go on paternity leave. Got the\n\nChannel 1: Alright.\n\nChannel 0: third baby on the way. And\n\nChannel 1: K. That's\n\nChannel 0: thank you. So I'll get the team to research it in the background. And then as soon as I get back into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update.\n\nChannel 1: Yeah. No. That sounds alright.\n\nChannel 0: Cool. In terms of, like, contributions and things like that, you're doing a lot of personal investment. Do you need me to look at any salary sacrifice for the super or happy just to let the employer contributions and growth carry things?\n\nChannel 1: Probably just leave that for now, I think.\n\nChannel 0: K. If you do any like, you mentioned that major sale and obviously a bit of tax comes at the back of it. If you wanna do any lump sum contributions to kind of drop the tax down a little bit in those years\n\nChannel 1: Mhmm.\n\nChannel 0: where you sell personal investments, we can obviously help you with it in terms of\n\nChannel 1: Okay.\n\nChannel 0: the forms and things like that.\n\nChannel 1: Gotcha. Gotcha.\n\nChannel 0: But for now, I'll just base the plan on current portfolio versus an updated one with your employer contributions coming in, and I'll just do an\n\nChannel 1: Yep.\n\nChannel 0: updated projection based off that.\n\nChannel 1: Alright. No worries. Sounds good. What is the\n\nChannel 0: Cool.\n\nChannel 1: on the second page, the performance with IRR, what is the income in periods? What period is that?\n\nChannel 0: So\n\nChannel 1: About\n\nChannel 0: this\n\nChannel 1: a\n\nChannel 0: is\n\nChannel 1: year?\n\nChannel 0: a twelve month snapshot, and\n\nChannel 1: Yep.\n\nChannel 0: it splits it between dividends and capital growth.\n\nChannel 1: Oh, okay. Oh, so that's dividends, is it?\n\nChannel 0: Yeah. Yep. Income\n\nChannel 1: Oh,\n\nChannel 0: is\n\nChannel 1: okay.\n\nChannel 0: basically just dividends, distributions out from the ETFs. You're\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Okay.\n\nChannel 0: very distribution heavy. It's mainly capital. You know? The gold doesn't distribute. Most of the shares\n\nChannel 1: Right.\n\nChannel 0: and property don't either.\n\nChannel 1: Oh, so it gets reinvested. So the growth was 16.7 k, and then there was also 3.3 of income. So the total's 20.1.\n\nChannel 0: That's correct.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Cool. Alright. Any other questions on the super side of things?\n\nChannel 1: No. I think that's alright.\n\nChannel 0: K. So I'll get you penciled in for they'll give you a call in a couple of weeks just to book in with me for the updated portfolio. I've\n\nChannel 1: Mhmm.\n\nChannel 0: put a note on your account to catch up in six months about whether we go to SMSF, and\n\nChannel 1: Yep.\n\nChannel 0: we can have a bit of a relook at insurances and things like that at that point.\n\nChannel 1: No worries. Actually, I do have one question. When\n\nChannel 0: Yeah.\n\nChannel 1: I signed\n\nChannel 0: Go for\n\nChannel 1: up with you guys, do you know what the super was when I first joined?\n\nChannel 0: it.\n\nChannel 1: I\n\nChannel 0: Yes.\n\nChannel 1: don't remember. Was it 01/20,\n\nChannel 0: My\n\nChannel 1: one\n\nChannel 0: apologies.\n\nChannel 1: 30?\n\nChannel 0: It's usually my favorite thing to do in a review. So you were consolidated up to a 113,000 initially.\n\nChannel 1: Oh. Yep.\n\nChannel 0: And, basically, looking at the story, like, you've got a bit of a graph that shows you the the capital value. And you basically went $1.13 up to $1.40, drops down to $1.26 in April of last year.\n\nChannel 1: Where's this ground? Do I have it?\n\nChannel 0: You will on the login, you'll be able to access that on the\n\nChannel 1: Oh,\n\nChannel 0: main\n\nChannel 1: okay.\n\nChannel 0: dashboard. You should\n\nChannel 1: Yep.\n\nChannel 0: be able to switch between percentage and dollar value.\n\nChannel 1: Oh, sorry. I was just checking your attachments in the email. I do\n\nChannel 0: Yeah.\n\nChannel 1: have a Vanguard index chart. I don't know if that's me.\n\nChannel 0: That's more educational material for people that\n\nChannel 1: Gotcha.\n\nChannel 0: don't know how the stock market and different asset\n\nChannel 1: Yeah.\n\nChannel 0: classes work.\n\nChannel 1: Alright. Cool. Alright. So I signed up with you guys at 01:13.\n\nChannel 0: Correct.\n\nChannel 1: Alright. Sweet.\n\nChannel 0: I'm just having a look at the recent\n\nChannel 1: That was two\n\nChannel 0: twelve\n\nChannel 1: two\n\nChannel 0: months\n\nChannel 1: years\n\nChannel 0: as\n\nChannel 1: ago?\n\nChannel 0: well. Yeah. Yep. So it was\n\nChannel 1: Okay.\n\nChannel 0: in March March 2024. So we just hit two years and two months.\n\nChannel 1: Okay. Cool. Alright. Well,\n\nChannel 0: So\n\nChannel 1: that's pretty good performance then.\n\nChannel 0: Twelve months, we've got your one forty. Now you're just shy of one seventy.\n\nChannel 1: Cool.\n\nChannel 0: And then the interesting thing about the way the super works, because it's percentage based returns, is it's just starting to accelerate. Because\n\nChannel 1: Yep.\n\nChannel 0: every 10% now, we're talking 15 to 20 grands, up to 30, up to 40, and then it's just gonna kind of take off. But then,\n\nChannel 1: Yep.\n\nChannel 0: obviously, at some point, we reduce the risk down because you probably don't wanna be high risk at 59 and lose half $1,000,000 a year before you go to live on it.\n\nChannel 1: No. Yellow.\n\nChannel 0: Yeah. So if you're okay with that, that's cool. If at any point you wanna go an extra step above, go a bit more aggressive even, look at\n\nChannel 1: Mhmm.\n\nChannel 0: possibly leverage options and things like that, we can discuss it. I\n\nChannel 1: Right.\n\nChannel 0: probably\n\nChannel 1: Okay.\n\nChannel 0: wouldn't recommend it this minute.\n\nChannel 1: Yeah. Let's do a GTX here on the\n\nChannel 0: Yeah.\n\nChannel 1: Super Bowl.\n\nChannel 0: Look. A bit of never went astray.\n\nChannel 1: Oh, I already lost 250,000 Australian on a GTXD. Yeah. I didn't know what I was doing, so\n\nChannel 0: Yeah.\n\nChannel 1: I touched it, so then it it burnt. I mean, I made a lot of money on GTXD, so it's not too bad. And and and shiny as well, like triple leverage gold. So\n\nChannel 0: Yeah. Wow. I'm\n\nChannel 1: mostly\n\nChannel 0: just having\n\nChannel 1: makes\n\nChannel 0: a look at\n\nChannel 1: up\n\nChannel 0: a graph\n\nChannel 1: for it.\n\nChannel 0: of it now, but that's\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: were you playing\n\nChannel 1: Which\n\nChannel 0: around\n\nChannel 1: one?\n\nChannel 0: with it\n\nChannel 1: GDXU\n\nChannel 0: in 2021?\n\nChannel 1: or\n\nChannel 0: Yeah. GDXD,\n\nChannel 1: No.\n\nChannel 0: was that 2122?\n\nChannel 1: No. Just in the last nine months. GDXU is not a fun one, but GDXU is good. So, obviously, one is shorting and the other one's long. So, yeah, GDXU.\n\nChannel 0: Yeah. Right.\n\nChannel 1: Yeah. I\n\nChannel 0: Wow.\n\nChannel 1: made I made a I'm up 90 k USD on GDXU this financial year.\n\nChannel 0: Okay.\n\nChannel 1: And then shiny, I think, is, like, maybe 50. So if I didn't be an idiot on GDXD, I'd, you know, had had a really good year.\n\nChannel 0: Yeah.\n\nChannel 1: But I only just started sort of actively trading in, you know, this financial year anyway, so it's not a not a not terrible.\n\nChannel 0: Yeah. See, that's the thing that I've got to be careful with when it comes, like, the super, right, is because you can build up all of this wealth personally with\n\nChannel 1: Yeah.\n\nChannel 0: all these investments. But\n\nChannel 1: Yep.\n\nChannel 0: if I just get you a consistent 10% after fees every single year until 60, that's\n\nChannel 1: Yep.\n\nChannel 0: that easy 1 to 2 mil,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: Exactly.\n\nChannel 0: putting that retirement\n\nChannel 1: Yeah.\n\nChannel 0: sorted. The moment I chuck\n\nChannel 1: Yeah.\n\nChannel 0: into something leveraged now and all of a sudden it's crashing, and then we can't afford to do the SMSF, and then all of a sudden it's just we can go aggressive with it, but we just don't do anything too crazy with\n\nChannel 1: I'm\n\nChannel 0: people's retirement\n\nChannel 1: not\n\nChannel 0: funds.\n\nChannel 1: I'm not trying to be greedy. Like, super's fine. I don't really need to do anything with that. That's why I've only got, you know, 50% of the money over there is for actively investing in it. It's usually not so risky.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm kind of working on a strategy.\n\nChannel 0: It has been an interesting twelve months, though.\n\nChannel 1: Yeah.\n\nChannel 0: That's for sure.\n\nChannel 1: Oh, it's yeah. It's next three years. I don't know if the world's gonna make it, but, you know, we'll see what I I might not need that super money.\n\nChannel 0: We'll have a bit of fun along the way.\n\nChannel 1: Yeah. I might have to get, you know, sent to Greenland or something or\n\nChannel 0: Oh, mate.\n\nChannel 1: defending it or taking it. I don't know which side we'll be on, but\n\nChannel 0: Who knows? I'll I'll plead that I need to look after people's\n\nChannel 1: yeah.\n\nChannel 0: retirement savings or something.\n\nChannel 1: Yeah. Exactly. Yep. Yeah. It's pretty wild.\n\nChannel 0: Alrighty. But any other questions on the super at the moment?\n\nChannel 1: No. Seems pretty seems pretty good.\n\nChannel 0: Cool. If you are comfortable with the the services so far, we\n\nChannel 1: Uh-huh.\n\nChannel 0: have attached in the the sign section an updated service agreement. So\n\nChannel 1: Yep.\n\nChannel 0: just to let you know, it's the usual 1.65% split across\n\nChannel 1: Mhmm.\n\nChannel 0: the monthly payments.\n\nChannel 1: Yep.\n\nChannel 0: The super fund claims a 15% tax rebate off of that\n\nChannel 1: Okay.\n\nChannel 0: for any expense inside super.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that's a twelve month consent. It's not a lock in contract for twelve months. And,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, we've got six month catch up for some advice and then an annual review after that.\n\nChannel 1: No worries. Sounds good. Yeah. I'll probably sign that today.\n\nChannel 0: I will get your password reset with Hub.\n\nChannel 1: Okay.\n\nChannel 0: Give you a bit of a look on the website, see if that works a bit better for you.\n\nChannel 1: No worries. Do you have do you have people I can get a loan from? Do you guys do that?\n\nChannel 0: We've got about six or seven different brokers. Just depends on what type of loan you need.\n\nChannel 1: Well, like I said well, like I said, the bank's being useless. So whoever can give me, I don't know, a 100 k for the tax bill and then investing with what I've got because I tried Bank of Failure and they basically told me to fuck off. So\n\nChannel 0: Borrowing to invest.\n\nChannel 1: yeah. Well, that's they're the guys that you know, the first person I spoke to said with the calculator, maybe a 130 k or said you're approved for that. And then when they actually spoke to me, the next chick was like, yeah. We can give you, like, 25 maybe.\n\nChannel 0: Yeah. No. That's not cool. Okay. So I'm just having a bit of a think.\n\nI might put you on to I'll send an email through for Brook, one of the other\n\nChannel 1: Okay.\n\nChannel 0: brokers that we've got. Their specialty is property,\n\nChannel 1: Mhmm.\n\nChannel 0: tax\n\nChannel 1: Okay.\n\nChannel 0: debt loans, and they've also got access to, you know, second tier lenders and things like that. So at least they can give you a landscape of what's possible out\n\nChannel 1: Yeah.\n\nChannel 0: there\n\nChannel 1: Sounds\n\nChannel 0: besides\n\nChannel 1: good.\n\nChannel 0: just the the bank up front.\n\nChannel 1: Yeah. No worries. I mean, it does it's not really that big a deal. Like, the the ATO will give me a a $56,000 loan anyway for 10 percent is their their charge for, like, you know, you paying it off slowly. So\n\nChannel 0: Yeah.\n\nChannel 1: it's not like I really, really, really need it. And Bank of Saudi was only 7% anyway, which, you know, what's the difference? So I was just gonna see who can give me some money for less than that slightly, and if that's good, I'll go with it.\n\nChannel 0: Yeah. And I think one of the interesting strategies I was talking to him about last week actually was we got a couple of self employed guys with big ATO debts. And\n\nChannel 1: Okay.\n\nChannel 0: rather than\n\nChannel 1: That\n\nChannel 0: paying\n\nChannel 1: sucks.\n\nChannel 0: it off over twelve to twenty four months, they're just\n\nChannel 1: Yep.\n\nChannel 0: kind of getting those loans to stretch it out over five years, lower the repayments, and\n\nChannel 1: Yeah.\n\nChannel 0: keep more cash in the pocket. So\n\nChannel 1: Yep.\n\nChannel 0: couple of things out there might be possible. I can just make an introduction and you can see.\n\nChannel 1: Yeah. That's kinda what I was gonna do except I'll I'll pay it off sooner than that. So but, yeah, the same thing. It was just I may as well take some money and then if I can make a few dollars off it and then pay it, then that's great.\n\nChannel 0: Yeah. Yep. I get you. Alright. Yeah.\n\nSo there'll be a few split emails. I'll do\n\nChannel 1: Mhmm.\n\nChannel 0: a separate introduction to a broker, see how they go with the options.\n\nChannel 1: Okay.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: password reset will probably come from hub directly to you.\n\nChannel 1: Yep.\n\nChannel 0: And then you've got that email there for the annual review today. Then\n\nChannel 1: Cool.\n\nChannel 0: in about three weeks' time, team will book you in. I'll send you through that statement of advice for the portfolio update.\n\nChannel 1: Yeah. Perfect, man. Sounds good.\n\nChannel 0: Cool. Alrighty. Steven, it's been an absolute pleasure.\n\nChannel 1: Yeah.\n\nChannel 0: Keep on keeping on. You're doing well. Any other\n\nChannel 1: Uh-huh.\n\nChannel 0: questions for me, Matt?\n\nChannel 1: No, man. It's all good. I appreciate the call, and good luck with the new baby. Number three.\n\nChannel 0: Thank you so much. Appreciate that, mate. If you need anything else, just call back in, and the team will sort you out.\n\nChannel 1: Yeah. Perfect, mate. Alright. Have a good one.\n\nChannel 0: You too. Cheers.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Steven speaking.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.028196988627314568}],"sentiment":"neutral","sentiment_score":0.028196988627314568,"channel":1,"num_words":2,"start":2.6399999,"end":3.54},{"sentences":[{"text":"Steven, good afternoon.","start":4.08,"end":5.12,"sentiment":"neutral","sentiment_score":0.26199499766031903},{"text":"It's Tommy, senior adviser from Oakview Financial.","start":5.12,"end":7.52,"sentiment":"neutral","sentiment_score":0.17933648186070578},{"text":"How are you going?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.178327739238739}],"sentiment":"neutral","sentiment_score":0.1967608087829181,"channel":0,"num_words":14,"start":4.08,"end":8.34},{"sentences":[{"text":"Hey, man.","start":8.559999,"end":9.04,"sentiment":"neutral","sentiment_score":0.2680946961045265},{"text":"I'm good.","start":9.04,"end":9.44,"sentiment":"positive","sentiment_score":0.3926243931055069},{"text":"How are you?","start":9.44,"end":10.179999,"sentiment":"positive","sentiment_score":0.33712231119473773}],"sentiment":"neutral","sentiment_score":0.3332578731434686,"channel":1,"num_words":7,"start":8.559999,"end":10.179999},{"sentences":[{"text":"I'm doing fantastic.","start":10.48,"end":11.7,"sentiment":"positive","sentiment_score":0.7208854556083679},{"text":"I'm just giving you a call to go through your annual review.","start":11.84,"end":14.5,"sentiment":"positive","sentiment_score":0.36801857873797417}],"sentiment":"positive","sentiment_score":0.43859195411205293,"channel":0,"num_words":15,"start":10.48,"end":14.5},{"sentences":[{"text":"Oh, yeah.","start":15.025,"end":15.665,"sentiment":"neutral","sentiment_score":0.06765507906675339},{"text":"No worries.","start":15.665,"end":16.404999,"sentiment":"neutral","sentiment_score":0.0819241888821125}],"sentiment":"neutral","sentiment_score":0.07478963397443295,"channel":1,"num_words":4,"start":15.025,"end":16.404999},{"sentences":[{"text":"Have I caught you out and about at the moment, sir?","start":17.065,"end":19.404999,"sentiment":"neutral","sentiment_score":0.025621170347387142}],"sentiment":"neutral","sentiment_score":0.025621170347387142,"channel":0,"num_words":11,"start":17.065,"end":19.404999},{"sentences":[{"text":"No.","start":19.904999,"end":20.224998,"sentiment":"neutral","sentiment_score":-0.04609512537717819},{"text":"It's okay.","start":20.224998,"end":20.965,"sentiment":"neutral","sentiment_score":0.0020257035503163934},{"text":"Just trying to get out of the city without getting run over.","start":21.025,"end":23.445,"sentiment":"neutral","sentiment_score":-0.007537301008900006}],"sentiment":"neutral","sentiment_score":-0.008832755358889699,"channel":1,"num_words":15,"start":19.904999,"end":23.445},{"sentences":[{"text":"Oh, that's always the drama.","start":23.865,"end":25.404999,"sentiment":"neutral","sentiment_score":0.03726309612393379}],"sentiment":"neutral","sentiment_score":0.03726309612393379,"channel":0,"num_words":5,"start":23.865,"end":25.404999},{"sentences":[{"text":"It's all good.","start":25.985,"end":26.965,"sentiment":"positive","sentiment_score":0.3855288525422414}],"sentiment":"positive","sentiment_score":0.3855288525422414,"channel":1,"num_words":3,"start":25.985,"end":26.965},{"sentences":[{"text":"Cool.","start":27.72,"end":28.12,"sentiment":"neutral","sentiment_score":0.27101612091064453},{"text":"Now are you okay if I go through about it probably takes about twenty, thirty minutes or so?","start":28.12,"end":34.14,"sentiment":"neutral","sentiment_score":0.09074465123315652}],"sentiment":"neutral","sentiment_score":0.10023262332144536,"channel":0,"num_words":19,"start":27.72,"end":34.14},{"sentences":[{"text":"Yeah.","start":35.0,"end":35.4,"sentiment":"neutral","sentiment_score":0.11616043746471404},{"text":"It's fine.","start":35.4,"end":36.059998,"sentiment":"neutral","sentiment_score":0.2174471765756607}],"sentiment":"neutral","sentiment_score":0.18368493020534515,"channel":1,"num_words":3,"start":35.0,"end":36.059998},{"sentences":[{"text":"Perfect.","start":37.239998,"end":37.72,"sentiment":"positive","sentiment_score":0.4172244668006897},{"text":"So what I'm gonna do is I'm just gonna do a quick security check with you.","start":37.72,"end":41.385,"sentiment":"neutral","sentiment_score":0.2071416904218495},{"text":"I'll","start":41.465,"end":41.785,"sentiment":"neutral","sentiment_score":0.14914566278457642}],"sentiment":"neutral","sentiment_score":0.21559095424082544,"channel":0,"num_words":18,"start":37.239998,"end":41.785},{"sentences":[{"text":"Mhmm.","start":41.72,"end":42.22,"sentiment":"neutral","sentiment_score":0.15988491475582123}],"sentiment":"neutral","sentiment_score":0.15988491475582123,"channel":1,"num_words":1,"start":41.72,"end":42.22},{"sentences":[{"text":"send through your annual review pack, but because you are driving, I'll just leave that with you to review after the call as 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eight Hope Street, South Brisbane.","start":72.865,"end":78.965,"sentiment":"neutral","sentiment_score":0.03324649855494499}],"sentiment":"neutral","sentiment_score":0.03324649855494499,"channel":1,"num_words":15,"start":72.865,"end":78.965},{"sentences":[{"text":"Sensational.","start":79.955,"end":80.455,"sentiment":"neutral","sentiment_score":0.04602127894759178},{"text":"And are you okay for the call to be 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sval12@gmail.com.","start":85.409996,"end":92.29,"sentiment":"neutral","sentiment_score":0.11458484642207623},{"text":"Is that okay?","start":92.29,"end":93.11,"sentiment":"neutral","sentiment_score":0.10156351079543431}],"sentiment":"neutral","sentiment_score":0.11628559125321251,"channel":0,"num_words":21,"start":84.45,"end":93.11},{"sentences":[{"text":"Yeah.","start":93.439995,"end":93.939995,"sentiment":"neutral","sentiment_score":0.1373186707496643}],"sentiment":"neutral","sentiment_score":0.1373186707496643,"channel":1,"num_words":1,"start":93.439995,"end":93.939995},{"sentences":[{"text":"Cool.","start":94.77,"end":95.09,"sentiment":"neutral","sentiment_score":0.2285444438457489},{"text":"So I'll send that through to you now just so you've got it.","start":95.09,"end":97.25,"sentiment":"neutral","sentiment_score":0.25386591943410725},{"text":"Just to let you know what's coming, it's got an updated financial services guide, performance report, an overview services guide, and the service agreement as well.","start":97.25,"end":107.435,"sentiment":"neutral","sentiment_score":0.16959327144118455}],"sentiment":"neutral","sentiment_score":0.19845566134899856,"channel":0,"num_words":40,"start":94.77,"end":107.435},{"sentences":[{"text":"Mhmm.","start":107.715,"end":108.215,"sentiment":"neutral","sentiment_score":0.06805049628019333}],"sentiment":"neutral","sentiment_score":0.06805049628019333,"channel":1,"num_words":1,"start":107.715,"end":108.215},{"sentences":[{"text":"So I'll pop that through just so it goes through the old email system for 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something?","start":282.07,"end":282.65,"sentiment":"neutral","sentiment_score":-0.009711464401334524}],"sentiment":"neutral","sentiment_score":-0.009711464401334524,"channel":0,"num_words":2,"start":282.07,"end":282.65},{"sentences":[{"text":"more more actively traded.","start":282.34003,"end":284.18002,"sentiment":"neutral","sentiment_score":-0.003869115374982357},{"text":"So, currently, it's it's on stake, but, currently, it's in, like, GDXU mostly.","start":284.18002,"end":289.64,"sentiment":"neutral","sentiment_score":0.007283284651258817},{"text":"It's kind of a","start":290.16498,"end":290.84497,"sentiment":"neutral","sentiment_score":-0.011417894857004285}],"sentiment":"neutral","sentiment_score":0.0015968885494484788,"channel":1,"num_words":21,"start":282.34003,"end":290.84497},{"sentences":[{"text":"GDX.","start":290.645,"end":291.145,"sentiment":"neutral","sentiment_score":-0.007459371350705624}],"sentiment":"neutral","sentiment_score":-0.007459371350705624,"channel":0,"num_words":1,"start":290.645,"end":291.145},{"sentences":[{"text":"YOLO 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Australia.","start":298.085,"end":302.425,"sentiment":"neutral","sentiment_score":0.026042400605299255},{"text":"Well,","start":302.96,"end":303.2,"sentiment":"neutral","sentiment_score":0.03154781460762024}],"sentiment":"neutral","sentiment_score":0.02650118510549267,"channel":1,"num_words":12,"start":298.085,"end":303.2},{"sentences":[{"text":"Yep.","start":302.98,"end":303.48,"sentiment":"neutral","sentiment_score":0.029883278533816338}],"sentiment":"neutral","sentiment_score":0.029883278533816338,"channel":0,"num_words":1,"start":302.98,"end":303.48},{"sentences":[{"text":"in a if it in savings.","start":303.2,"end":304.66,"sentiment":"neutral","sentiment_score":0.025502558487157028}],"sentiment":"neutral","sentiment_score":0.025502558487157028,"channel":1,"num_words":6,"start":303.2,"end":304.66},{"sentences":[{"text":"Right.","start":305.7,"end":306.1,"sentiment":"neutral","sentiment_score":0.0504663847386837},{"text":"Savings about 20 k.","start":306.1,"end":307.38,"sentiment":"neutral","sentiment_score":0.059179602190852165},{"text":"Perfect.","start":307.38,"end":307.88,"sentiment":"neutral","sentiment_score":0.24555087089538577},{"text":"No other loans or anything pop up?","start":308.9,"end":310.785,"sentiment":"neutral","sentiment_score":-0.08186048535364014}],"sentiment":"neutral","sentiment_score":-0.003099056390615609,"channel":0,"num_words":13,"start":305.7,"end":310.785},{"sentences":[{"text":"No.","start":311.2,"end":311.44,"sentiment":"neutral","sentiment_score":-0.3155979812145233},{"text":"I'm trying to get one, but the bank's being a bit shit.","start":311.44,"end":313.94,"sentiment":"negative","sentiment_score":-0.41685301313797635}],"sentiment":"negative","sentiment_score":-0.40906416452847993,"channel":1,"num_words":13,"start":311.2,"end":313.94},{"sentences":[{"text":"No way.","start":314.545,"end":314.945,"sentiment":"negative","sentiment_score":-0.4615446776151657},{"text":"With all that capital behind you, the banks won't give you a loan.","start":314.945,"end":317.605,"sentiment":"negative","sentiment_score":-0.43944311371216405}],"sentiment":"negative","sentiment_score":-0.442389988899231,"channel":0,"num_words":15,"start":314.545,"end":317.605},{"sentences":[{"text":"Oh, they don't give a shit.","start":317.215,"end":318.595,"sentiment":"negative","sentiment_score":-0.42174618939558667},{"text":"Yeah.","start":318.655,"end":319.13498,"sentiment":"neutral","sentiment_score":-0.2770155966281891},{"text":"They think you can't pay a loan even if you ask for an amount that's less that, you know, that you could pay off eight times over.","start":319.13498,"end":325.715,"sentiment":"negative","sentiment_score":-0.3853399334130464}],"sentiment":"negative","sentiment_score":-0.38857855691629295,"channel":1,"num_words":34,"start":317.215,"end":325.715},{"sentences":[{"text":"Oh, 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well,","start":334.47,"end":338.03,"sentiment":"neutral","sentiment_score":-0.13191749785955137}],"sentiment":"neutral","sentiment_score":-0.1110368479276076,"channel":1,"num_words":32,"start":331.31,"end":338.03},{"sentences":[{"text":"Yeah.","start":338.015,"end":338.515,"sentiment":"neutral","sentiment_score":-0.04611654952168465}],"sentiment":"neutral","sentiment_score":-0.04611654952168465,"channel":0,"num_words":1,"start":338.015,"end":338.515},{"sentences":[{"text":"if I gotta get that, I may as well just see how much money I can get, and I'll put the into, you know, invest it.","start":338.03,"end":344.435,"sentiment":"neutral","sentiment_score":-0.07236286009160373},{"text":"So I tried to get, like, a $100,130.","start":344.975,"end":347.135,"sentiment":"neutral","sentiment_score":-0.05141829641070217},{"text":"One guy said I could get $1.30, and then when they rang me to do the actual thing, they were like, we can give you maybe 20 if you're 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weird.","start":358.66998,"end":359.22998,"sentiment":"neutral","sentiment_score":-0.2924215793609619},{"text":"It's like you you're kind of my hero in a certain way because I was going through a similar similar pathway with the property and the gold and things like that.","start":359.22998,"end":367.205,"sentiment":"neutral","sentiment_score":-0.01307316713275448},{"text":"And when you get to that asset level, the not being able to get a $100 in a loan is a bit strange, but, you know,","start":367.205,"end":373.02,"sentiment":"neutral","sentiment_score":-0.21981097471255523}],"sentiment":"neutral","sentiment_score":-0.11585582426438729,"channel":0,"num_words":60,"start":357.94998,"end":373.02},{"sentences":[{"text":"Oh, it's 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we had you working field services IT for","start":377.66,"end":382.96,"sentiment":"neutral","sentiment_score":0.02872610930353403}],"sentiment":"neutral","sentiment_score":0.02872610930353403,"channel":0,"num_words":12,"start":377.66,"end":382.96},{"sentences":[{"text":"Yep.","start":382.665,"end":383.165,"sentiment":"neutral","sentiment_score":0.049801092594861984}],"sentiment":"neutral","sentiment_score":0.049801092594861984,"channel":1,"num_words":1,"start":382.665,"end":383.165},{"sentences":[{"text":"Unisys, about 110 k.","start":383.02,"end":385.035,"sentiment":"neutral","sentiment_score":0.051111592911183834}],"sentiment":"neutral","sentiment_score":0.051111592911183834,"channel":0,"num_words":4,"start":383.02,"end":385.035},{"sentences":[{"text":"Yeah.","start":385.42,"end":385.66,"sentiment":"neutral","sentiment_score":0.05671273171901703},{"text":"About 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legislation.","start":678.68,"end":683.18,"sentiment":"neutral","sentiment_score":0.2512428616838796}],"sentiment":"neutral","sentiment_score":0.2512428616838796,"channel":0,"num_words":14,"start":678.68,"end":683.18},{"sentences":[{"text":"Yep.","start":684.095,"end":684.595,"sentiment":"neutral","sentiment_score":0.18065516650676727}],"sentiment":"neutral","sentiment_score":0.18065516650676727,"channel":1,"num_words":1,"start":684.095,"end":684.595},{"sentences":[{"text":"So I","start":684.145,"end":685.105,"sentiment":"neutral","sentiment_score":0.19483444094657898}],"sentiment":"neutral","sentiment_score":0.19483444094657898,"channel":0,"num_words":2,"start":684.145,"end":685.105},{"sentences":[{"text":"Okay.","start":685.055,"end":685.555,"sentiment":"neutral","sentiment_score":0.25570523738861084}],"sentiment":"neutral","sentiment_score":0.25570523738861084,"channel":1,"num_words":1,"start":685.055,"end":685.555},{"sentences":[{"text":"think that'll be good timing if you're okay with that.","start":685.105,"end":687.445,"sentiment":"neutral","sentiment_score":0.31341940462589263}],"sentiment":"neutral","sentiment_score":0.31341940462589263,"channel":0,"num_words":10,"start":685.105,"end":687.445},{"sentences":[{"text":"No worries.","start":687.615,"end":688.095,"sentiment":"positive","sentiment_score":0.35051675140857697},{"text":"That sounds good.","start":688.095,"end":688.995,"sentiment":"positive","sentiment_score":0.5161128242810568}],"sentiment":"positive","sentiment_score":0.44987439513206484,"channel":1,"num_words":5,"start":687.615,"end":688.995},{"sentences":[{"text":"Okay.","start":689.825,"end":690.325,"sentiment":"neutral","sentiment_score":0.1905544400215149},{"text":"Outside of that, I'm gonna jump into the super for a quick sec, but","start":691.105,"end":694.485,"sentiment":"neutral","sentiment_score":0.12036089492695672}],"sentiment":"neutral","sentiment_score":0.12504046459992726,"channel":0,"num_words":15,"start":689.825,"end":694.485},{"sentences":[{"text":"Mhmm.","start":694.815,"end":695.315,"sentiment":"neutral","sentiment_score":0.02493052184581757}],"sentiment":"neutral","sentiment_score":0.02493052184581757,"channel":1,"num_words":1,"start":694.815,"end":695.315},{"sentences":[{"text":"there was, I think, previous quotes for, like, insurances and things like that.","start":695.025,"end":699.68,"sentiment":"neutral","sentiment_score":0.11158430662292701},{"text":"You've got a very healthy asset base.","start":699.68,"end":702.66003,"sentiment":"positive","sentiment_score":0.427857722554888}],"sentiment":"neutral","sentiment_score":0.22228000219911337,"channel":0,"num_words":20,"start":695.025,"end":702.66003},{"sentences":[{"text":"Okay.","start":703.11005,"end":703.61005,"sentiment":"neutral","sentiment_score":-0.0110841765999794}],"sentiment":"neutral","sentiment_score":-0.0110841765999794,"channel":1,"num_words":1,"start":703.11005,"end":703.61005},{"sentences":[{"text":"I don't see any life insurance, TPD, income protection, all that fun stuff.","start":703.76,"end":707.78,"sentiment":"neutral","sentiment_score":-0.13329074130608484},{"text":"Is there anything you need on the insurance front this year?","start":707.84,"end":711.22003,"sentiment":"neutral","sentiment_score":-0.07083229991522702}],"sentiment":"neutral","sentiment_score":-0.10466395566860835,"channel":0,"num_words":24,"start":703.76,"end":711.22003},{"sentences":[{"text":"Probably not right now.","start":712.195,"end":712.995,"sentiment":"neutral","sentiment_score":-0.14630907773971558},{"text":"I could probably look into that later on.","start":712.995,"end":714.935,"sentiment":"neutral","sentiment_score":-0.10805394500494003}],"sentiment":"neutral","sentiment_score":-0.12080565591653188,"channel":1,"num_words":12,"start":712.195,"end":714.935},{"sentences":[{"text":"Yep.","start":715.305,"end":715.785,"sentiment":"neutral","sentiment_score":0.01353333331644535},{"text":"I mean, generally speaking, life insurance and TPD covers debts, and you've got more capital than you do liabilities.","start":715.785,"end":722.44495,"sentiment":"neutral","sentiment_score":-0.016531227291316578},{"text":"So 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to, you know, keep things going if you're out for six months,","start":725.14,"end":729.32,"sentiment":"neutral","sentiment_score":0.017889515661141452}],"sentiment":"neutral","sentiment_score":0.017889515661141452,"channel":0,"num_words":17,"start":725.14,"end":729.32},{"sentences":[{"text":"Gotcha.","start":729.63,"end":730.13,"sentiment":"neutral","sentiment_score":-0.00555737828835845}],"sentiment":"neutral","sentiment_score":-0.00555737828835845,"channel":1,"num_words":1,"start":729.63,"end":730.13},{"sentences":[{"text":"which I think even health wise you'd gone through with the echocardiograms before.","start":730.74,"end":735.48,"sentiment":"neutral","sentiment_score":-0.019490216858685017}],"sentiment":"neutral","sentiment_score":-0.019490216858685017,"channel":0,"num_words":13,"start":730.74,"end":735.48},{"sentences":[{"text":"Yeah.","start":736.51,"end":736.75,"sentiment":"neutral","sentiment_score":0.014359191060066223},{"text":"I think I had some of that stuff done.","start":736.75,"end":738.52997,"sentiment":"neutral","sentiment_score":0.005855422880914476}],"sentiment":"neutral","sentiment_score":0.0067057996988296505,"channel":1,"num_words":10,"start":736.51,"end":738.52997},{"sentences":[{"text":"Yep.","start":738.835,"end":739.23505,"sentiment":"neutral","sentiment_score":0.010921897366642952},{"text":"And bit of blood pressure medication still going?","start":739.23505,"end":742.85504,"sentiment":"neutral","sentiment_score":-0.05406612274236977}],"sentiment":"neutral","sentiment_score":-0.04684523161914614,"channel":0,"num_words":9,"start":738.835,"end":742.85504},{"sentences":[{"text":"Yeah.","start":743.125,"end":743.20496,"sentiment":"neutral","sentiment_score":-0.04125570133328438},{"text":"Yeah.","start":743.20496,"end":743.605,"sentiment":"neutral","sentiment_score":-0.04617655277252197},{"text":"Still on that stuff too.","start":743.605,"end":745.065,"sentiment":"neutral","sentiment_score":-0.05603081956505775}],"sentiment":"neutral","sentiment_score":-0.05251233599015644,"channel":1,"num_words":7,"start":743.125,"end":745.065},{"sentences":[{"text":"Yeah.","start":745.47504,"end":745.875,"sentiment":"neutral","sentiment_score":-0.001831796020269394},{"text":"So if we get to a point where you wanna look at, like, income protection cover, I've","start":745.875,"end":751.28,"sentiment":"neutral","sentiment_score":-0.011135345763143371}],"sentiment":"neutral","sentiment_score":-0.010618481888539262,"channel":0,"num_words":18,"start":745.47504,"end":751.28},{"sentences":[{"text":"Uh-huh.","start":751.125,"end":751.625,"sentiment":"neutral","sentiment_score":-0.06323587894439697}],"sentiment":"neutral","sentiment_score":-0.06323587894439697,"channel":1,"num_words":1,"start":751.125,"end":751.625},{"sentences":[{"text":"gotta be careful on the health side of things because any blood pressure issues may cause loadings where it goes, yep.","start":751.28,"end":757.44,"sentiment":"neutral","sentiment_score":-0.13916017824695223},{"text":"It's $2 initially, but we're gonna add 50%, a 100% extra price on it.","start":757.44,"end":762.9,"sentiment":"neutral","sentiment_score":-0.014787558998380388}],"sentiment":"neutral","sentiment_score":-0.0894111305475235,"channel":0,"num_words":35,"start":751.28,"end":762.9},{"sentences":[{"text":"Jesus.","start":763.08,"end":763.58,"sentiment":"neutral","sentiment_score":0.004147008061408997},{"text":"Okay.","start":763.64,"end":764.14,"sentiment":"neutral","sentiment_score":-0.00492109963670373}],"sentiment":"neutral","sentiment_score":-0.0003870457876473665,"channel":1,"num_words":2,"start":763.08,"end":764.14},{"sentences":[{"text":"It jumps up very quickly.","start":764.815,"end":766.33496,"sentiment":"positive","sentiment_score":0.4281539797782898},{"text":"So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to.","start":766.33496,"end":771.63495,"sentiment":"neutral","sentiment_score":0.17942039489746095}],"sentiment":"neutral","sentiment_score":0.22087599237759908,"channel":0,"num_words":30,"start":764.815,"end":771.63495},{"sentences":[{"text":"Probably come back to it in maybe six months, I think, on the next one.","start":772.905,"end":776.525,"sentiment":"neutral","sentiment_score":0.05262520462274552}],"sentiment":"neutral","sentiment_score":0.05262520462274552,"channel":1,"num_words":15,"start":772.905,"end":776.525},{"sentences":[{"text":"Yep.","start":776.75,"end":777.23,"sentiment":"neutral","sentiment_score":0.2578723430633545},{"text":"A part of self managed super funds is they you have to have considered 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then","start":782.43,"end":789.07495,"sentiment":"neutral","sentiment_score":0.20553935416366742}],"sentiment":"neutral","sentiment_score":0.20553935416366742,"channel":0,"num_words":23,"start":782.43,"end":789.07495},{"sentences":[{"text":"Yep.","start":788.92,"end":789.42,"sentiment":"neutral","sentiment_score":0.10607977956533432}],"sentiment":"neutral","sentiment_score":0.10607977956533432,"channel":1,"num_words":1,"start":788.92,"end":789.42},{"sentences":[{"text":"you can say, yes.","start":789.07495,"end":789.875,"sentiment":"neutral","sentiment_score":0.09027240052819252},{"text":"It's been considered or 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planning","start":796.355,"end":797.235,"sentiment":"neutral","sentiment_score":0.06418684124946594}],"sentiment":"neutral","sentiment_score":0.08624750292963451,"channel":0,"num_words":9,"start":793.71497,"end":797.235},{"sentences":[{"text":"I","start":796.875,"end":797.375,"sentiment":"neutral","sentiment_score":0.04288683459162712}],"sentiment":"neutral","sentiment_score":0.04288683459162712,"channel":1,"num_words":1,"start":796.875,"end":797.375},{"sentences":[{"text":"wise, were you putting in place like a will or a power of attorney or anything like that?","start":797.235,"end":801.9,"sentiment":"neutral","sentiment_score":0.01817133194870419}],"sentiment":"neutral","sentiment_score":0.01817133194870419,"channel":0,"num_words":18,"start":797.235,"end":801.9},{"sentences":[{"text":"haven't done any of that yet.","start":802.555,"end":803.835,"sentiment":"neutral","sentiment_score":-0.09705142552653949},{"text":"No.","start":803.835,"end":804.335,"sentiment":"neutral","sentiment_score":-0.08769212663173676}],"sentiment":"neutral","sentiment_score":-0.09571438282728195,"channel":1,"num_words":7,"start":802.555,"end":804.335},{"sentences":[{"text":"K.","start":804.54004,"end":804.78,"sentiment":"neutral","sentiment_score":-0.06392890959978104},{"text":"Because you're still single at the 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mortgage repayments going, make sure","start":817.315,"end":823.315,"sentiment":"neutral","sentiment_score":0.04577771667391062}],"sentiment":"neutral","sentiment_score":0.06844075006801029,"channel":0,"num_words":43,"start":808.30005,"end":823.315},{"sentences":[{"text":"Okay.","start":823.3,"end":823.8,"sentiment":"neutral","sentiment_score":0.008115254342556}],"sentiment":"neutral","sentiment_score":0.008115254342556,"channel":1,"num_words":1,"start":823.3,"end":823.8},{"sentences":[{"text":"things aren't going awry, talk to the","start":823.315,"end":825.395,"sentiment":"neutral","sentiment_score":-0.1171129611986024}],"sentiment":"neutral","sentiment_score":-0.1171129611986024,"channel":0,"num_words":7,"start":823.315,"end":825.395},{"sentences":[{"text":"Yep.","start":825.3,"end":825.8,"sentiment":"neutral","sentiment_score":-0.0720120221376419}],"sentiment":"neutral","sentiment_score":-0.0720120221376419,"channel":1,"num_words":1,"start":825.3,"end":825.8},{"sentences":[{"text":"doctors and things like that.","start":825.395,"end":826.775,"sentiment":"neutral","sentiment_score":-0.051422663033008575}],"sentiment":"neutral","sentiment_score":-0.051422663033008575,"channel":0,"num_words":5,"start":825.395,"end":826.775},{"sentences":[{"text":"Yeah.","start":827.195,"end":827.515,"sentiment":"neutral","sentiment_score":0.02114267274737358},{"text":"I'll probably have to set that up sent 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estate anyway","start":850.865,"end":857.25,"sentiment":"neutral","sentiment_score":-0.08791578582981054}],"sentiment":"neutral","sentiment_score":-0.08791578582981054,"channel":0,"num_words":17,"start":850.865,"end":857.25},{"sentences":[{"text":"Yep.","start":857.10754,"end":857.60754,"sentiment":"neutral","sentiment_score":-0.021270742639899257}],"sentiment":"neutral","sentiment_score":-0.021270742639899257,"channel":1,"num_words":1,"start":857.10754,"end":857.60754},{"sentences":[{"text":"where it'll filter through.","start":857.87,"end":859.41,"sentiment":"neutral","sentiment_score":-0.024103106698021293},{"text":"There's no nomination, so it kind of forms part of everything else, and someone's gonna have to go to the courts and say, hey.","start":859.79,"end":865.73,"sentiment":"neutral","sentiment_score":-0.10472601683189471},{"text":"This guy's got half $1,000,000 and all $600 of ETFs in a property, and who gets 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S and P five hundred's up 16%.","start":1057.7749,"end":1060.735,"sentiment":"neutral","sentiment_score":0.14301381446421146},{"text":"China's up 19%.","start":1060.735,"end":1062.335,"sentiment":"neutral","sentiment_score":0.06067148223519325},{"text":"Property's flat.","start":1062.335,"end":1063.3949,"sentiment":"neutral","sentiment_score":0.04457163065671921},{"text":"So all the options except for one have done really well.","start":1063.855,"end":1067.315,"sentiment":"neutral","sentiment_score":0.27265559136867523}],"sentiment":"neutral","sentiment_score":0.18101869985461236,"channel":0,"num_words":25,"start":1056.64,"end":1067.315},{"sentences":[{"text":"The question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for 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for that Australian shares portion.","start":1079.03,"end":1081.13,"sentiment":"neutral","sentiment_score":0.01756471861153841}],"sentiment":"neutral","sentiment_score":0.01756471861153841,"channel":0,"num_words":6,"start":1079.03,"end":1081.13},{"sentences":[{"text":"What do you reckon?","start":1081.555,"end":1082.535,"sentiment":"neutral","sentiment_score":-0.005005126819014549}],"sentiment":"neutral","sentiment_score":-0.005005126819014549,"channel":1,"num_words":4,"start":1081.555,"end":1082.535},{"sentences":[{"text":"So I can replace it with anything in terms of active or passive and 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into.","start":1088.245,"end":1090.345,"sentiment":"neutral","sentiment_score":0.1484634695308549}],"sentiment":"neutral","sentiment_score":0.1484634695308549,"channel":0,"num_words":7,"start":1088.245,"end":1090.345},{"sentences":[{"text":"Mhmm.","start":1090.02,"end":1090.52,"sentiment":"neutral","sentiment_score":0.019563596695661545}],"sentiment":"neutral","sentiment_score":0.019563596695661545,"channel":1,"num_words":1,"start":1090.02,"end":1090.52},{"sentences":[{"text":"The most I would give it is maybe six months, but even then, it would be one to really keep a close eye on.","start":1091.205,"end":1097.46,"sentiment":"neutral","sentiment_score":0.03407274248699347}],"sentiment":"neutral","sentiment_score":0.03407274248699347,"channel":0,"num_words":24,"start":1091.205,"end":1097.46},{"sentences":[{"text":"Yeah.","start":1097.86,"end":1098.36,"sentiment":"neutral","sentiment_score":0.018536407500505447},{"text":"Well, I mean, what do you 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goes.","start":1107.2999,"end":1108.1799,"sentiment":"neutral","sentiment_score":0.029001086950302124},{"text":"If it doesn't bounce back, I really wanna ask you in terms of replacement options.","start":1108.1799,"end":1113.135,"sentiment":"neutral","sentiment_score":-0.057248005519310634}],"sentiment":"neutral","sentiment_score":-0.03909030184149742,"channel":0,"num_words":19,"start":1107.2999,"end":1113.135},{"sentences":[{"text":"Yep.","start":1113.715,"end":1114.215,"sentiment":"neutral","sentiment_score":0.046241216361522675}],"sentiment":"neutral","sentiment_score":0.046241216361522675,"channel":1,"num_words":1,"start":1113.715,"end":1114.215},{"sentences":[{"text":"Preferred style, do you want me to replace it with an active option or a passive option?","start":1114.875,"end":1119.755,"sentiment":"neutral","sentiment_score":0.03889347393723095},{"text":"Go low fees or or keep trying to beat the 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I'll put together a statement of advice with the replacement option that I research, send","start":1191.405,"end":1196.365,"sentiment":"neutral","sentiment_score":0.13973653895987403}],"sentiment":"neutral","sentiment_score":0.13973653895987403,"channel":0,"num_words":18,"start":1191.405,"end":1196.365},{"sentences":[{"text":"Yep.","start":1196.2251,"end":1196.7251,"sentiment":"neutral","sentiment_score":0.14602059125900269}],"sentiment":"neutral","sentiment_score":0.14602059125900269,"channel":1,"num_words":1,"start":1196.2251,"end":1196.7251},{"sentences":[{"text":"that through to you so you can have a look and make sure you're okay with what we're doing and 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the","start":1215.5,"end":1215.98,"sentiment":"neutral","sentiment_score":0.3002413958311081}],"sentiment":"neutral","sentiment_score":0.23548823673474162,"channel":0,"num_words":19,"start":1208.9401,"end":1215.98},{"sentences":[{"text":"Alright.","start":1215.935,"end":1216.435,"sentiment":"neutral","sentiment_score":0.3162405788898468}],"sentiment":"neutral","sentiment_score":0.3162405788898468,"channel":1,"num_words":1,"start":1215.935,"end":1216.435},{"sentences":[{"text":"third baby on the 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into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update.","start":1222.835,"end":1229.415,"sentiment":"neutral","sentiment_score":0.1390352982186502}],"sentiment":"neutral","sentiment_score":0.191411121155728,"channel":0,"num_words":44,"start":1218.9401,"end":1229.415},{"sentences":[{"text":"Yeah.","start":1229.88,"end":1230.12,"sentiment":"neutral","sentiment_score":0.0759361982345581},{"text":"No.","start":1230.12,"end":1230.36,"sentiment":"neutral","sentiment_score":0.05860741436481476},{"text":"That sounds alright.","start":1230.36,"end":1231.34,"sentiment":"neutral","sentiment_score":0.18165760735670725}],"sentiment":"neutral","sentiment_score":0.13590328693389891,"channel":1,"num_words":5,"start":1229.88,"end":1231.34},{"sentences":[{"text":"Cool.","start":1231.635,"end":1232.135,"sentiment":"positive","sentiment_score":0.35411536693573},{"text":"In terms of, like, contributions and things like that, you're doing a lot of 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just dividends, distributions out from the 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from?","start":1701.1799,"end":1704.46,"sentiment":"neutral","sentiment_score":0.007054427853570535},{"text":"Do you guys do that?","start":1704.46,"end":1705.6799,"sentiment":"neutral","sentiment_score":0.0065014947205781935}],"sentiment":"neutral","sentiment_score":0.010742609156295657,"channel":1,"num_words":20,"start":1700.46,"end":1705.6799},{"sentences":[{"text":"We've got about six or seven different brokers.","start":1706.63,"end":1708.71,"sentiment":"neutral","sentiment_score":-0.024557078490033746},{"text":"Just depends on what type of loan you need.","start":1708.71,"end":1710.6499,"sentiment":"neutral","sentiment_score":-0.012943391998608908}],"sentiment":"neutral","sentiment_score":-0.018408656229867655,"channel":0,"num_words":17,"start":1706.63,"end":1710.6499},{"sentences":[{"text":"Well, like I said well, like I said, the bank's being useless.","start":1711.74,"end":1714.835,"sentiment":"neutral","sentiment_score":-0.2646744226415952},{"text":"So whoever can give me, I 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update.","start":1859.855,"end":1863.14,"sentiment":"neutral","sentiment_score":0.16580736761291823}],"sentiment":"neutral","sentiment_score":0.20864488556981087,"channel":0,"num_words":22,"start":1855.9349,"end":1863.14},{"sentences":[{"text":"Yeah.","start":1863.6549,"end":1863.975,"sentiment":"positive","sentiment_score":0.3995358943939209},{"text":"Perfect, man.","start":1863.975,"end":1864.5349,"sentiment":"positive","sentiment_score":0.7746449410915375},{"text":"Sounds good.","start":1864.5349,"end":1865.275,"sentiment":"positive","sentiment_score":0.8235333263874054}],"sentiment":"positive","sentiment_score":0.7191784858703614,"channel":1,"num_words":5,"start":1863.6549,"end":1865.275},{"sentences":[{"text":"Cool.","start":1865.84,"end":1866.16,"sentiment":"positive","sentiment_score":0.7528206706047058},{"text":"Alrighty.","start":1866.16,"end":1866.66,"sentiment":"positive","sentiment_score":0.7248914837837219},{"text":"Steven, it's been an absolute pleasure.","start":1866.8,"end":1868.58,"sentiment":"positive","sentiment_score":0.84903684258461}],"sentiment":"positive","sentiment_score":0.821491651237011,"channel":0,"num_words":8,"start":1865.84,"end":1868.58},{"sentences":[{"text":"Yeah.","start":1869.095,"end":1869.595,"sentiment":"positive","sentiment_score":0.5981506109237671}],"sentiment":"positive","sentiment_score":0.5981506109237671,"channel":1,"num_words":1,"start":1869.095,"end":1869.595},{"sentences":[{"text":"Keep on keeping on.","start":1869.84,"end":1870.72,"sentiment":"positive","sentiment_score":0.5635146200656891},{"text":"You're doing well.","start":1870.72,"end":1871.7,"sentiment":"positive","sentiment_score":0.6422769029935201},{"text":"Any other","start":1871.76,"end":1872.4,"sentiment":"neutral","sentiment_score":0.09909190610051155}],"sentiment":"positive","sentiment_score":0.48656366682714886,"channel":0,"num_words":9,"start":1869.84,"end":1872.4},{"sentences":[{"text":"Uh-huh.","start":1872.215,"end":1872.715,"sentiment":"neutral","sentiment_score":0.09846612811088562}],"sentiment":"neutral","sentiment_score":0.09846612811088562,"channel":1,"num_words":1,"start":1872.215,"end":1872.715},{"sentences":[{"text":"questions for me, Matt?","start":1872.4,"end":1873.515,"sentiment":"neutral","sentiment_score":0.12179833836853504}],"sentiment":"neutral","sentiment_score":0.12179833836853504,"channel":0,"num_words":4,"start":1872.4,"end":1873.515},{"sentences":[{"text":"No, man.","start":1874.0,"end":1874.5599,"sentiment":"neutral","sentiment_score":0.12918886542320251},{"text":"It's all good.","start":1874.5599,"end":1875.0399,"sentiment":"positive","sentiment_score":0.6119176149368286},{"text":"I appreciate the call, and good luck with the new baby.","start":1875.0399,"end":1878.1599,"sentiment":"positive","sentiment_score":0.7528794841332869},{"text":"Number three.","start":1878.1599,"end":1878.98,"sentiment":"neutral","sentiment_score":0.28037387132644653}],"sentiment":"positive","sentiment_score":0.6075862579875522,"channel":1,"num_words":18,"start":1874.0,"end":1878.98},{"sentences":[{"text":"Thank you so much.","start":1880.1428,"end":1881.1028,"sentiment":"positive","sentiment_score":0.7915490567684174},{"text":"Appreciate that, mate.","start":1881.1028,"end":1881.8229,"sentiment":"positive","sentiment_score":0.6561777393023173},{"text":"If you need anything else, just call back in, and the team will sort you out.","start":1881.8229,"end":1885.0428,"sentiment":"positive","sentiment_score":0.3390076579526067}],"sentiment":"positive","sentiment_score":0.4590805205314056,"channel":0,"num_words":23,"start":1880.1428,"end":1885.0428},{"sentences":[{"text":"Yeah.","start":1885.033,"end":1885.273,"sentiment":"positive","sentiment_score":0.3794867992401123},{"text":"Perfect, mate.","start":1885.273,"end":1885.913,"sentiment":"positive","sentiment_score":0.6539721190929413},{"text":"Alright.","start":1885.913,"end":1886.153,"sentiment":"positive","sentiment_score":0.5155335664749146},{"text":"Have a good one.","start":1886.153,"end":1886.9729,"sentiment":"positive","sentiment_score":0.6160151362419128}],"sentiment":"positive","sentiment_score":0.5833781436085701,"channel":1,"num_words":8,"start":1885.033,"end":1886.9729},{"sentences":[{"text":"You too.","start":1887.0228,"end":1887.5829,"sentiment":"positive","sentiment_score":0.44182178378105164},{"text":"Cheers.","start":1887.5829,"end":1888.0829,"sentiment":"positive","sentiment_score":0.5683214664459229}],"sentiment":"positive","sentiment_score":0.48398834466934204,"channel":0,"num_words":3,"start":1887.0228,"end":1888.0829},{"sentences":[{"text":"Cheers.","start":1887.9929,"end":1888.4729,"sentiment":"positive","sentiment_score":0.4607559144496918},{"text":"Bye.","start":1888.4729,"end":1888.9729,"sentiment":"neutral","sentiment_score":-0.087491475045681}],"sentiment":"neutral","sentiment_score":0.1866322197020054,"channel":1,"num_words":2,"start":1887.9929,"end":1888.9729}]},"summary":{"result":"success","short":"The speaker from Oakview Financial discusses their annual review and personal financial goals with a customer. They update their retirement goals and savings, including their investment portfolio and personal loan. They also discuss their retirement plans, savings, and investment strategy. The speaker suggests setting up a self-motive trust fund to manage their assets and emphasizes the importance of staying in SMSF. They also discuss their asset management strategy and recommend replacing most of their assets with a replacement option. They end the conversation with a portfolio update and a statement of advice on the replacement option. They also mention a potential opportunity for a new broker to provide advice on a portfolio update and discuss their financial success and retirement savings."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review. Oh, yeah.","start_word":26,"end_word":39,"intents":[{"intent":"Send annual review","confidence_score":0.14359184},{"intent":"Provide annual review","confidence_score":0.057790954}]},{"text":"We have a bit of a new system, so I'm just gonna update a couple of details, run through any plan changes in your strategies, and then I can pretty much let you go. No worries.","start_word":142,"end_word":177,"intents":[{"intent":"Offer assistance","confidence_score":0.001802697}]},{"text":"So just for security, so I'm registered with ASIC as adviser 1273105. We don't have a security question on file. Could you please confirm your date of birth and address?","start_word":181,"end_word":210,"intents":[{"intent":"Confirm security","confidence_score":0.013880984}]},{"text":"Could you please confirm your date of birth and address?","start_word":201,"end_word":210,"intents":[{"intent":"Confirm information","confidence_score":0.064704895},{"intent":"Confirm identity","confidence_score":0.030546956}]},{"text":"Alright. Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com. Is that okay? Yeah. Cool.","start_word":240,"end_word":261,"intents":[{"intent":"Confirm mailing","confidence_score":0.0018514278}]},{"text":"Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com. Is that okay? Yeah. Cool.","start_word":241,"end_word":261,"intents":[{"intent":"Update email","confidence_score":0.005374229},{"intent":"Provide email","confidence_score":0.07144816},{"intent":"Check email","confidence_score":0.030406881}]},{"text":"Obviously, just a bit of a general update, make sure it's all going well. Yeah.","start_word":340,"end_word":354,"intents":[{"intent":"Update system status","confidence_score":0.0036364247}]},{"text":"cash flow is always the thing. Yeah.","start_word":1086,"end_word":1092,"intents":[{"intent":"Analyze cash flow","confidence_score":0.0086268755}]},{"text":"investments. Yeah.","start_word":1356,"end_word":1357,"intents":[{"intent":"Discuss investments","confidence_score":0.009526919}]},{"text":"So if you wanted to have, like, an investment platform next to your super fund, you can kind of link them up, and it helps reduce your admin fees, and you've got access to all the same ETFs, stocks, managed Right.","start_word":1674,"end_word":1714,"intents":[{"intent":"Update investment platform","confidence_score":0.00056146365}]},{"text":"I'll put a flag on the account there because we obviously touched base during the reviews, and I'll put a note to talk about that next time as well. Yep.","start_word":1989,"end_word":2018,"intents":[{"intent":"Provide updates and timeline","confidence_score":9.913056e-7}]},{"text":"That should give us, again, 90% chance to know what's going on with legislation.","start_word":2081,"end_word":2094,"intents":[{"intent":"Discuss legislation and options","confidence_score":0.0014727006}]},{"text":"I don't see any life insurance, TPD, income protection, all that fun stuff. Is there anything you need on the insurance front this year?","start_word":2151,"end_word":2174,"intents":[{"intent":"Inquire about insurance needs","confidence_score":0.04007608},{"intent":"Discuss life insurance and tpd coverage","confidence_score":0.022957005}]},{"text":"And bit of blood pressure medication still going? Yeah.","start_word":2254,"end_word":2262,"intents":[{"intent":"Discuss blood pressure medication","confidence_score":0.3815449}]},{"text":"It's $2 initially, but we're gonna add 50%, a 100% extra price on it. Jesus. Okay.","start_word":2309,"end_word":2324,"intents":[{"intent":"Add price for insurance coverage","confidence_score":0.018544557}]},{"text":"So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to.","start_word":2330,"end_word":2354,"intents":[{"intent":"Inquire about quotes","confidence_score":0.011932438}]},{"text":"So I'll park that for now. Estate planning I wise, were you putting in place like a will or a power of attorney or anything like that?","start_word":2424,"end_word":2450,"intents":[{"intent":"Park estate planning","confidence_score":0.15454973},{"intent":"Understand power of attorney","confidence_score":0.0065349764}]},{"text":"Estate planning I wise, were you putting in place like a will or a power of attorney or anything like that?","start_word":2430,"end_word":2450,"intents":[{"intent":"Plan for estate planning","confidence_score":0.00041628216}]},{"text":"Beneficiaries, did you have anyone that you were trying to leave the super to?","start_word":2548,"end_word":2561,"intents":[{"intent":"Address beneficiary","confidence_score":0.00002894043},{"intent":"Determine beneficiary status","confidence_score":0.0036981201}]},{"text":"a nomination, it will go through the public system over time.","start_word":2664,"end_word":2674,"intents":[{"intent":"Filter super to the public system","confidence_score":0.00038790892}]},{"text":"But if there's anything that we can put in place when you find someone, just let us know. Alright. Yeah.","start_word":2678,"end_word":2697,"intents":[{"intent":"Find someone","confidence_score":0.020713048}]},{"text":"Do you want me to do any password resets for Hub? Yeah.","start_word":2771,"end_word":2782,"intents":[{"intent":"Add password resets","confidence_score":0.0013086919}]},{"text":"Any in-depth reports that you need, we can generate 47 different types of reports because it's quite Okay.","start_word":2847,"end_word":2864,"intents":[{"intent":"Generate reports","confidence_score":0.2500597}]},{"text":"In terms of the portfolio side of things, so Mhmm. a couple of things I need to make you aware of is just pulling up your portfolio. So you're in the high growth, obviously, 4.5 out of five on the risk scale, 90% shares property and gold. Not very much in safe side of things. Obviously, just trying to get the high long term returns. Okay. Yep.","start_word":2897,"end_word":2963,"intents":[{"intent":"Analyze portfolio","confidence_score":0.020228796}]},{"text":"The question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for it.","start_word":3254,"end_word":3288,"intents":[{"intent":"Evaluate options and determine options","confidence_score":0.0000021472943}]},{"text":"Preferred style, do you want me to replace it with an active option or a passive option? Go low fees or or keep trying to beat the market. I mean, I don't know. So what I'm thinking What is what is your the fees on the active one? yeah. So the the Benelong is currently 0.99%, and it's supposed Yep. to obviously get returns higher than the Aussie market. So Mhmm.","start_word":3396,"end_word":3466,"intents":[{"intent":"Replace passive etfs with passive etfs and get returns higher than the active market","confidence_score":6.817059e-8}]},{"text":"in terms of I'll put together a statement of advice with the replacement option that I research, send Yep. that through to you so you can have a look and make sure you're okay with what we're doing and why. Uh-huh.","start_word":3612,"end_word":3652,"intents":[{"intent":"Receive a statement of advice with the replacement option","confidence_score":0.0009658297}]},{"text":"And then we can do a bit of a rebalance and and touch up the old do an engine tune across the whole lot. Yeah.","start_word":3653,"end_word":3677,"intents":[{"intent":"Rebalance and touch up the engine tune","confidence_score":0.24976121}]},{"text":"That's thank you.","start_word":3709,"end_word":3711,"intents":[{"intent":"Express gratitude","confidence_score":0.016914029}]},{"text":"So I'll get the team to research it in the background. And then as soon as I get back into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update. Yeah.","start_word":3711,"end_word":3753,"intents":[{"intent":"Explain portfolio update","confidence_score":0.08721872}]},{"text":"In terms of, like, contributions and things like that, you're doing a lot of personal investment. Do you need me to look at any salary sacrifice for the super or happy just to let the employer contributions and growth carry things? Probably just leave that for now, I think. K.","start_word":3759,"end_word":3808,"intents":[{"intent":"Explain retirement planning","confidence_score":0.00006662683},{"intent":"Discuss retirement age","confidence_score":0.000011331455}]},{"text":"If you do any like, you mentioned that major sale and obviously a bit of tax comes at the back of it. If you wanna do any lump sum contributions to kind of drop the tax down a little bit in those years Mhmm.","start_word":3809,"end_word":3852,"intents":[{"intent":"Explain tax implications","confidence_score":0.00014195601}]},{"text":"on the second page, the performance with IRR, what is the income in periods? What period is that? So About this a is year? a twelve month snapshot, and Yep. it splits it between dividends and capital growth. Oh, okay.","start_word":3918,"end_word":3957,"intents":[{"intent":"Explain income distribution","confidence_score":0.04072006},{"intent":"Explain income distribution","confidence_score":0.09718582}]},{"text":"Oh, so that's dividends, is it? Yeah. Yep. Income Oh, is okay. basically just dividends, distributions out from the ETFs. You're Yeah.","start_word":3958,"end_word":3979,"intents":[{"intent":"Explain dividend payment method","confidence_score":0.00014847447}]},{"text":"So I'll get you penciled in for they'll give you a call in a couple of weeks just to book in with me for the updated portfolio.","start_word":4049,"end_word":4075,"intents":[{"intent":"Book portfolio update","confidence_score":0.19382386}]},{"text":"If at any point you wanna go an extra step above, go a bit more aggressive even, look at Mhmm. possibly leverage options and things like that, we can discuss it.","start_word":4466,"end_word":4496,"intents":[{"intent":"Discuss hyperbolic investment options","confidence_score":0.00000459881}]},{"text":"I'll I'll plead that I need to look after people's yeah. retirement savings or something.","start_word":4976,"end_word":4990,"intents":[{"intent":"Evaluate retirement savings","confidence_score":0.052955545}]},{"text":"The super fund claims a 15% tax rebate off of that Okay.","start_word":5057,"end_word":5068,"intents":[{"intent":"Request tax rebate","confidence_score":0.0002459324}]},{"text":"So I was just gonna see who can give me some money for less than that slightly, and if that's good, I'll go with it. Yeah.","start_word":5438,"end_word":5463,"intents":[{"intent":"Express need for a low rate loan","confidence_score":0.000004422153},{"intent":"Offer personal advice on loan options","confidence_score":6.834082e-8}]},{"text":"And I think one of the interesting strategies I was talking to him about last week actually was we got a couple of self employed guys with big ATO debts. And Okay. rather than That paying sucks. it off over twelve to twenty four months, they're just Yep. kind of getting those loans to stretch it out over five years, lower the repayments, and Yeah.","start_word":5464,"end_word":5528,"intents":[{"intent":"Discuss ways to resolve debts","confidence_score":2.7200235e-7}]},{"text":"I can just make an introduction and you can see. Yeah.","start_word":5545,"end_word":5555,"intents":[{"intent":"Offer introduction to broker","confidence_score":0.02755171}]},{"text":"in about three weeks' time, team will book you in.","start_word":5664,"end_word":5673,"intents":[{"intent":"Plan to book review","confidence_score":0.033203945}]}]},"sentiments":{"segments":[{"text":"Steven speaking. Steven, good afternoon. It's Tommy, senior adviser from Oakview Financial. How are you going? Hey, man.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.19267259538173676},{"text":"I'm good. How are you? I'm doing fantastic. I'm just giving you a call to go through your annual review.","start_word":18,"end_word":37,"sentiment":"positive","sentiment_score":0.433857798576355},{"text":"Oh, yeah. No worries. Have I caught you out and about at the moment, sir? No. It's okay. Just trying to get out of the city without getting run over. Oh, that's always the drama.","start_word":38,"end_word":72,"sentiment":"neutral","sentiment_score":0.021726706996560097},{"text":"It's all good.","start_word":73,"end_word":75,"sentiment":"positive","sentiment_score":0.3706136643886566},{"text":"Cool. Now are you okay if I go through about it probably takes about twenty, thirty minutes or so? Yeah. It's fine.","start_word":76,"end_word":97,"sentiment":"neutral","sentiment_score":0.12333492189645769},{"text":"Perfect.","start_word":98,"end_word":98,"sentiment":"positive","sentiment_score":0.4172244668006897},{"text":"So what I'm gonna do is I'm just gonna do a quick security check with you. I'll Mhmm. send through your annual review pack, but because you are driving, I'll just leave that with you to review after the call as well. Okay. We have a bit of a new system, so I'm just gonna update a couple of details, run through any plan changes in your strategies, and then I can pretty much let you go. No worries. Sounds good. Perfect. So just for security, so I'm registered with ASIC as adviser 1273105. We don't have a security question on file. Could you please confirm your date of birth and address? Fourth of the second ninety twenty two sixty seven thirty eight Hope Street, South Brisbane. Sensational. And are you okay for the call to be recorded? Yeah. Sure. Perfect. Alright. Now just to double check with the emails, I've got your Gmail account still listed, sval12@gmail.com. Is that okay? Yeah. Cool. So I'll send that through to you now just so you've got it. Just to let you know what's coming, it's got an updated financial services guide, performance report, an overview services guide, and the service agreement as well. Mhmm. So I'll pop that through just so it goes through the old email system for later. Cool. Was there anything in particular that you were hoping to get out of this annual review? Nothing in particular. Not really. Obviously, just a bit of a general update, make sure it's all going well. Yeah.","start_word":99,"end_word":354,"sentiment":"neutral","sentiment_score":0.11630682999020792},{"text":"Yep. Perfect.","start_word":355,"end_word":356,"sentiment":"positive","sentiment_score":0.4658357799053192},{"text":"So I'm just gonna quickly run through the details that we've got because new system, just wanna make sure there hasn't been any significant changes, and then I'll run through the super performance if that's okay. Yeah. No worries.","start_word":357,"end_word":395,"sentiment":"neutral","sentiment_score":0.3014630675315857},{"text":"Cool. Just checking goals wise from when you came on board to recently. So the overarching goal that we're planning is a nice early retirement at least the age of 60, which is when you can access your super with 2,000 a week tax free coming out with, obviously, the mortgage paid off is kind of the ideal situation.","start_word":396,"end_word":454,"sentiment":"positive","sentiment_score":0.4901178181171417},{"text":"Mhmm. Yeah. Sure. Yep. K?","start_word":455,"end_word":459,"sentiment":"neutral","sentiment_score":0.16253778338432312},{"text":"Sounds good.","start_word":460,"end_word":461,"sentiment":"positive","sentiment_score":0.36761707067489624},{"text":"Outside of that, you were basically focusing on your career, paying down the mortgage, and just focusing on the property side of things. Anything else in particular on the go for you at the moment? No. That's sort of mostly it. What is focusing on the property mean? What's that mean? Like, I don't remember. I was just focusing on paying down the mortgage. It says pay down the mortgage your parents stay in over the next five years. Oh, okay. No. That'll just be paid off at whatever the repayments are. Yep. So no extra Yeah. repayments or any speed on that one? No. They're they're one they're paying that one, so it's their money. Yep. Perfect. I think my goal is just, I don't know, grow the grow the supers. Yep. Sensational. I'm just having a look at the assets and liabilities here. Just let me know if this is right. So we've got the main residence. It says the mortgage is obviously the one that your parents are covering. So Mhmm. 400,000 owing and a value of about $8.50. Yeah. That's about right. K. We had in terms of other assets, you had a car at a $100 Yep. worth of savings and around about 400,000 in gold ETFs. Yeah.","start_word":462,"end_word":674,"sentiment":"neutral","sentiment_score":0.04209922254085541},{"text":"It's a little bit outdated.","start_word":675,"end_word":679,"sentiment":"negative","sentiment_score":-0.601090133190155},{"text":"K. Is that jumped up a lot? I know gold kind of soared towards the end of last year and then came back down a bit. Yeah. I actually sold that gold for, I don't know, couple of 100,000 profit, actually. So Yeah. currently currently, there's 380 k of gold, and then there's 350 k of US stocks. That's Yep. in AUD, so that would be the total. Okay. And then those stocks, is that just in, like, a, like, a standard Vanguard international No. ETF No. It's or something? more more actively traded. So, currently, it's it's on stake, but, currently, it's in, like, GDXU mostly. It's kind of a GDX. YOLO play. Yeah. Fair. Fair. Done alright. It actually managed. And then Okay. savings, I I think there's any, maybe 20 k in Australia. Well, Yep. in a if it in savings. Right. Savings about 20 k. Perfect. No other loans or anything pop up? No.","start_word":680,"end_word":837,"sentiment":"neutral","sentiment_score":0.023327209055423737},{"text":"I'm trying to get one, but the bank's being a bit shit. No way. With all that capital behind you, the banks won't give you a loan. Oh, they don't give a shit.","start_word":838,"end_word":870,"sentiment":"negative","sentiment_score":-0.4340861141681671},{"text":"Yeah.","start_word":871,"end_word":871,"sentiment":"neutral","sentiment_score":-0.2770155966281891},{"text":"They think you can't pay a loan even if you ask for an amount that's less that, you know, that you could pay off eight times over.","start_word":872,"end_word":898,"sentiment":"negative","sentiment_score":-0.38150009512901306},{"text":"Oh, jeez. Okay. Is that what type of loan were you trying to go for? Well, they told me to go for a personal one. I just wanted because I got a tax bill. It was about 56 k to pay, and then I was like, well, Yeah. if I gotta get that, I may as well just see how much money I can get, and I'll put the into, you know, invest it. So I tried to get, like, a $100,130. One guy said I could get $1. 30, and then when they rang me to do the actual thing, they were like, we can give you maybe 20 if you're lucky. K. I know. That's what I said.","start_word":899,"end_word":1017,"sentiment":"neutral","sentiment_score":-0.07430320959381696},{"text":"That's pretty pathetic.","start_word":1018,"end_word":1020,"sentiment":"negative","sentiment_score":-0.7245863676071167},{"text":"Wow. It's weird. It's like you you're kind of my hero in a certain way because I was going through a similar similar pathway with the property and the gold and things like that. And when you get to that asset level, the not being able to get a $100 in a loan is a bit strange, but, you know, Oh, it's crazy. Crazy. cash flow is always the thing. Yeah. It's ridiculous. Speaking of cash flow, we had you working field services IT for Yep. Unisys, about 110 k. Yeah. About that. Yep. And still able to put aside a solid thousand a week in savings. Yes. Yeah. About that. K. And are you focusing on the cash flow? Because I know you said the mortgage is just regular repayments and so on. Are you gonna focus on more investments? Yeah. Yeah. Mostly. I've got about 50%, obviously, in the stake, which is more active. And then I've got Australian Gold, which I do plan on moving that stake, but I'll still keep it as, you know, only 50 percent or so will be actively invested, and the other half will be put more long term.","start_word":1021,"end_word":1217,"sentiment":"neutral","sentiment_score":0.01821971870958805},{"text":"Awesome.","start_word":1218,"end_word":1218,"sentiment":"positive","sentiment_score":0.4930649399757385},{"text":"I'm assuming stake will be okay to do a bit of an in specie transfer onto their platform so at least it's all on the login for you. Yeah. I don't know what any of that means, but yes. So one of the things that I've done a few times for people, just for, like, self managed super funds is Yep. they had a whole bunch of shares sitting in different trading accounts with Comsec and Navtrade and so on. Okay. And we were using Macquarie at the time. In Macquarie Base, we said, you can fill out all your your cost base paperwork for when you got them and everything, and they Right. were gonna, like, bring those assets onto the platform. So at least it was on the login alongside your Oh, other yeah. investments. Yeah. That'd be handy. And I know Stake does it for domestic. They Yep. don't do it for international, I think. Oh, okay. Yeah. Yeah. I know. Yeah. They can do the transfer for the domestic stuff. Yep. I went to do it, but then they wanted a whole bunch of info, and they didn't like something I gave them. So I haven't Yeah. got Look. around It to is doing painful. that. But Yeah. it's It is. Yeah. possible. Possible, painful. Yeah. I'd like well, I figured I can do it, or I can just sell the Australian gold soon and then move it anyway. Yeah. Yep. Absolutely. Yeah. Same income. Now are you after any kind of investment advice from Oakview, or is it more just handle the super and you're gonna keep investing this personally? Yeah. I mean, I'll just invest it personally, I think. And I guess like, I mean, do you guys set up self manage or or what? Because you mentioned that, but doesn't that mean you guys don't have a job if I do that? Yeah. No. So with the self managed, I guess, the more standard setup that we do is when Yep. people, like, borrowing to get investment properties. Right? So Right. you get an accountant. The accountant sets up a trust fund and a corporate trustee, like a company. We go through and do the plan to say, okay. We're gonna use this bank account and this investment platform. You're with Hub at the moment. Right? So Yep. as Yeah. an example, use Hub as the investment account, bank account for the cash, put it all together, buy the property, anything in excess of that, just invest it along the side of it kind of thing. So Yeah. it's Okay. something that we do do similar to like, hub's also got investment accounts as an example. So if you wanted to have, like, an investment platform next to your super fund, you can kind of link them up, and it helps reduce your admin fees, and you've got access to all the same ETFs, stocks, managed Right. funds, Okay. and everything as well. So, Yep. yeah, personal investing in SMSF, we do a little bit of. Okay. Alright. K. Yeah. I don't know. I mean, I considered moving to SMSF soon. I just haven't got around to that. So I don't know if that's something you guys can help with. Yeah. And I think one of the things that we gotta do is, obviously, there's been a few changes in the budget recently, Mhmm. and there's gonna be a big surge in people going to SMSFs. And Okay. whenever that happens, because if property negative gearing capital gains changes affect, again, shares, gold ETFs, and property, it's gonna cause a fluctuation of people into SMSF. And the next Yep. step is the government then jumps on that and tries to find out what goals they wanna change on that side of things. Right. Okay.","start_word":1219,"end_word":1859,"sentiment":"neutral","sentiment_score":0.06909213539404728},{"text":"So I would love to be like, yeah, man. Let's go for it. We'll set this up, and I'll charge you this, and we'll do this, and there'll be heaps Yep. of fun, and you'll get all this.","start_word":1860,"end_word":1897,"sentiment":"positive","sentiment_score":0.48093006014823914},{"text":"And then six months later, the government says, yeah. We've changed these rules on SMSF because everyone's it's the flavor of the week. Yeah. Gotcha. So if you're comfortable with it, what I would like to do is just park it for six to twelve months, Okay. wait for it to kind of filter through the political system first. And then if it's still a good plan and they're not changing too much, we can then dive into that together. Yep. Alright.","start_word":1898,"end_word":1979,"sentiment":"neutral","sentiment_score":0.16720254719257355},{"text":"Yeah. That sounds pretty good. Yep. Cool.","start_word":1980,"end_word":1986,"sentiment":"positive","sentiment_score":0.5277852416038513},{"text":"I'll put a flag on the account there because we obviously touched base during the reviews, and I'll put a note to talk about that next time as well. Yep. We usually do, like, annual reviews, but also offer quarterly catch ups, six monthly reviews, and so on. Do you want me to pencil anything in for, say, six months' time or just maybe wait for that next review and go through it then? We'll do it in six months time, I think. Yep.","start_word":1987,"end_word":2070,"sentiment":"neutral","sentiment_score":0.10945423692464828},{"text":"So just before Christmas time would be good. Yeah.","start_word":2071,"end_word":2079,"sentiment":"positive","sentiment_score":0.3712386190891266},{"text":"That should give us, again, 90% chance to know what's going on with legislation. Yep. So I Okay. think that'll be good timing if you're okay with that.","start_word":2080,"end_word":2107,"sentiment":"neutral","sentiment_score":0.2684881091117859},{"text":"No worries. That sounds good.","start_word":2108,"end_word":2112,"sentiment":"positive","sentiment_score":0.4424526691436768},{"text":"Okay. Outside of that, I'm gonna jump into the super for a quick sec, but Mhmm. there was, I think, previous quotes for, like, insurances and things like that.","start_word":2113,"end_word":2141,"sentiment":"neutral","sentiment_score":0.11379949748516084},{"text":"You've got a very healthy asset base.","start_word":2142,"end_word":2148,"sentiment":"positive","sentiment_score":0.4263731837272644},{"text":"Okay. I don't see any life insurance, TPD, income protection, all that fun stuff. Is there anything you need on the insurance front this year? Probably not right now. I could probably look into that later on. Yep. I mean, generally speaking, life insurance and TPD covers debts, and you've got more capital than you do liabilities. So that's Yep. okay. Okay. And income protection is just to, you know, keep things going if you're out for six months, Gotcha. which I think even health wise you'd gone through with the echocardiograms before. Yeah. I think I had some of that stuff done. Yep. And bit of blood pressure medication still going? Yeah. Yeah. Still on that stuff too. Yeah. So if we get to a point where you wanna look at, like, income protection cover, I've Uh-huh. gotta be careful on the health side of things because any blood pressure issues may cause loadings where it goes, yep. It's $2 initially, but we're gonna add 50%, a 100% extra price on it. Jesus. Okay.","start_word":2149,"end_word":2323,"sentiment":"neutral","sentiment_score":-0.04198841750621796},{"text":"It jumps up very quickly.","start_word":2324,"end_word":2328,"sentiment":"positive","sentiment_score":0.4312114119529724},{"text":"So I just wanted to double check if you wanted any quotes for that now or if it's something to kind of come back to. Probably come back to it in maybe six months, I think, on the next one. Yep. A part of self managed super funds is they you have to have considered protection. And Okay. when we do a a new statement of advice plan, we do put considerations in there or at least recommend it, and then Yep. you can say, yes. It's been considered or not. Right. Okay. K. So I'll park that for now. Estate planning I wise, were you putting in place like a will or a power of attorney or anything like that? haven't done any of that yet. No. K. Because you're still single at the moment. Right? Yep. K. Just thinking someone of your asset base at some point would be nice to at least have, like, the power of attorney in place. So if you're in hospital, someone can access the bank accounts, keep the mortgage repayments going, make sure Okay. things aren't going awry, talk to the Yep. doctors and things like that. Yeah. I'll probably have to set that up sent to. In terms of so I'm just having a look at your hub account. Beneficiaries, did you have anyone that you were trying to leave the super to? No. I'd probably have to figure that out when I do the will. Yeah. And, look, it's one of those things where if you don't have like that, they call it a sys act dependent, Okay. like a spouse or a child, Your super with no nomination just goes to your estate anyway Yep. where it'll filter through. There's no nomination, so it kind of forms part of everything else, and someone's gonna have to go to the courts and say, hey. This guy's got half $1,000,000 and all $600 of ETFs in a property, and who gets it? So without Yep. a nomination, it will go through the public system over time. Yeah. Okay. K? But if there's anything that we can put in place when you find someone, just let us know. Alright. Yeah.","start_word":2329,"end_word":2696,"sentiment":"neutral","sentiment_score":0.012732107784477588},{"text":"Sounds good.","start_word":2697,"end_word":2698,"sentiment":"positive","sentiment_score":0.5239570140838623},{"text":"I'll have to look Cool. into that. When it comes to the Hub Super, I know you do a lot of trading. Do you keep an eye on the super side every now and then? Or No. Because I don't think I can even log in to Hub. I think I've tried, but I couldn't get it to work. I always get I got your emails up now anyway. fun. K. Do you want me to do any password resets for Hub? Yeah. Sure. Yeah. If you wanna send that through. Yep.","start_word":2699,"end_word":2790,"sentiment":"neutral","sentiment_score":0.02209770306944847},{"text":"One of the handy tools for Hub is the website login is much better than the app.","start_word":2791,"end_word":2807,"sentiment":"positive","sentiment_score":0.3617504835128784},{"text":"Okay.","start_word":2808,"end_word":2808,"sentiment":"neutral","sentiment_score":0.26999545097351074},{"text":"So it's much easier to get in.","start_word":2809,"end_word":2815,"sentiment":"positive","sentiment_score":0.3758121430873871},{"text":"And when you're in, it's a bit more easy on the eyes in terms of reporting, but Yeah. we've got I'd all probably the use the web app. Yeah. yeah. Any in-depth reports that you need, we can generate 47 different types of reports because it's quite Okay. an in-depth platform. It's a wrap platform. It's got all the bells, whistles, and features. So Yeah. Okay. we've got access to all of that for you anyway as well. Alright. Cool. In terms of the portfolio side of things, so Mhmm. a couple of things I need to make you aware of is just pulling up your portfolio. So you're in the high growth, obviously, 4.5 out of five on the risk scale, 90% shares property and gold. Not very much in safe side of things. Obviously, just trying to get the high long term returns. Okay. Yep. So they call they consider gold risk? It's a bit of a fifty fifty. We it's got Okay. some defensive aspects, but, obviously, the volatility that you can see, I'm not gonna put a 70 year old retiree into it, and then it Yeah. goes Yeah. down 40 True. percent and all that kind of thing. True. Yeah. Okay. So we call that an alternative, and that's a bit of Right. a fifty fifty split. Okay.","start_word":2816,"end_word":3038,"sentiment":"neutral","sentiment_score":0.07146377570826912},{"text":"Cool.","start_word":3039,"end_word":3039,"sentiment":"positive","sentiment_score":0.36849749088287354},{"text":"K? Outside of that, I'm looking at the the average returns we're looking for for high growth is a consistent double digit, 10% or Yep. above. You've still cleared 11 and a half percent after fees, so Okay. it's hit it pretty well even with a bit of a jitters in March. When you go through the portfolio table, you'll see all of the investment options with a return on the right hand column, and anything that's a percentage is growth. Anything in brackets is a negative. And then Yep. the second page gives you your total portfolio return. Gotcha. Yep. I can see that. So what I wanted to point out is the Benelong Australian shares is one that I've put a bit of a flag on because Yep. that level of drop for an Australian equities option is higher than all the other options at the moment. Okay. Yep. That's a bit more volatile than I would have liked. Everything else, your defensive portion's up 4%. That's pretty standard for fixed interest. Battery tech and electric vehicles is up 92%.","start_word":3040,"end_word":3221,"sentiment":"neutral","sentiment_score":0.08102711290121078},{"text":"Amazing. Gold's up Pretty 20 good.","start_word":3222,"end_word":3227,"sentiment":"positive","sentiment_score":0.4475320279598236},{"text":"two. Your S and P five hundred's up 16%. China's up 19%. Property's flat. So all the options except for one have done really well. The question that I've really got for you at the moment is we either give that one a few months to bounce back or I look at a bit of a replacement option for it. Outside For the of Bennelong that, Run? yeah, for that Australian shares portion. What do you reckon? So I can replace it with anything in terms of active or passive and find Yep. a good option to sidestep it into. Mhmm. The most I would give it is maybe six months, but even then, it would be one to really keep a close eye on. Yeah. Well, I mean, what do you reckon? Resell it or wait? I reckon give it a little bit of time, Mhmm. see how it goes. If it doesn't bounce back, I really wanna ask you in terms of replacement options. Yep. Preferred style, do you want me to replace it with an active option or a passive option? Go low fees or or keep trying to beat the market. I mean, I don't know. So what I'm thinking What is what is your the fees on the active one? yeah. So the the Benelong is currently 0.99%, and it's supposed Yep. to obviously get returns higher than the Aussie market. So Mhmm. the the a 200 ETF, that's your passive, that's Yep. 0.2 for the passive Okay. option. There are other active options which are a little bit more affordable, a little bit better performance as well. There's Yep. a couple that we've been researching recently to have as alternatives. So what I'm basically saying with your portfolio is most of it is in passive ETFs. You've got Yep. a little bit in the active side. The active side's kind of been dragging its feet a little bit. I can either replace it with an active fund that's been doing the right thing or just go full passive across the whole super. I don't know. Let's just replace it with one that's doing better and see what happens. Yep. So what I might do, if it's okay with you, is Uh-huh. I can do that now Sure. in terms of I'll put together a statement of advice with the replacement option that I research, send Yep. that through to you so you can have a look and make sure you're okay with what we're doing and why. Uh-huh. And then we can do a bit of a rebalance and and touch up the old do an engine tune across the whole lot. Yeah.","start_word":3228,"end_word":3676,"sentiment":"neutral","sentiment_score":0.051106065088563614},{"text":"That sounds good. Cool.","start_word":3677,"end_word":3680,"sentiment":"positive","sentiment_score":0.606844425201416},{"text":"Now it'll be a couple of weeks just because I'm about to go on paternity leave. Got the Alright.","start_word":3681,"end_word":3699,"sentiment":"neutral","sentiment_score":0.22677689790725708},{"text":"third baby on the way.","start_word":3700,"end_word":3704,"sentiment":"positive","sentiment_score":0.33950453996658325},{"text":"And K.","start_word":3705,"end_word":3706,"sentiment":"neutral","sentiment_score":0.12107111513614656},{"text":"That's thank you.","start_word":3707,"end_word":3709,"sentiment":"positive","sentiment_score":0.7592737674713135},{"text":"So I'll get the team to research it in the background. And then as soon as I get back into the office at the end of June, I'll get you booked in just to run through a bit of a portfolio update. Yeah. No. That sounds alright.","start_word":3710,"end_word":3756,"sentiment":"neutral","sentiment_score":0.16008438169956207},{"text":"Cool.","start_word":3757,"end_word":3757,"sentiment":"positive","sentiment_score":0.35411536693573},{"text":"In terms of, like, contributions and things like that, you're doing a lot of personal investment. Do you need me to look at any salary sacrifice for the super or happy just to let the employer contributions and growth carry things? Probably just leave that for now, I think. K. If you do any like, you mentioned that major sale and obviously a bit of tax comes at the back of it. If you wanna do any lump sum contributions to kind of drop the tax down a little bit in those years Mhmm. where you sell personal investments, we can obviously help you with it in terms of Okay. the forms and things like that. Gotcha. Gotcha. But for now, I'll just base the plan on current portfolio versus an updated one with your employer contributions coming in, and I'll just do an Yep. updated projection based off that. Alright. No worries.","start_word":3758,"end_word":3910,"sentiment":"neutral","sentiment_score":0.02522284910082817},{"text":"Sounds good.","start_word":3911,"end_word":3912,"sentiment":"positive","sentiment_score":0.408297061920166},{"text":"What is the Cool. on the second page, the performance with IRR, what is the income in periods? What period is that? So About this a is year? a twelve month snapshot, and Yep. it splits it between dividends and capital growth. Oh, okay. Oh, so that's dividends, is it? Yeah. Yep. Income Oh, is okay. basically just dividends, distributions out from the ETFs. You're Yeah. not Okay. very distribution heavy. It's mainly capital. You know? The gold doesn't distribute. Most of the shares Right. and property don't either. Oh, so it gets reinvested. So the growth was 16.7 k, and then there was also 3.3 of income. So the total's 20.1. That's correct. Yep. Okay.","start_word":3913,"end_word":4028,"sentiment":"neutral","sentiment_score":0.03129257261753082},{"text":"Cool.","start_word":4029,"end_word":4029,"sentiment":"positive","sentiment_score":0.3706570267677307},{"text":"Cool. Alright. Any other questions on the super side of things? No. I think that's alright. K. So I'll get you penciled in for they'll give you a call in a couple of weeks just to book in with me for the updated portfolio. I've Mhmm. put a note on your account to catch up in six months about whether we go to SMSF, and Yep. we can have a bit of a relook at insurances and things like that at that point. No worries. Actually, I do have one question. When Yeah. I signed Go for up with you guys, do you know what the super was when I first joined? it. I Yes. don't remember. Was it 01/20, My one apologies. 30? It's usually my favorite thing to do in a review. So you were consolidated up to a 113,000 initially. Oh. Yep. And, basically, looking at the story, like, you've got a bit of a graph that shows you the the capital value. And you basically went $1.13 up to $1.40, drops down to $1.26 in April of last year. Where's this ground? Do I have it? You will on the login, you'll be able to access that on the Oh, main okay. dashboard. You should Yep. be able to switch between percentage and dollar value. Oh, sorry. I was just checking your attachments in the email. I do Yeah. have a Vanguard index chart. I don't know if that's me. That's more educational material for people that Gotcha. don't know how the stock market and different asset Yeah. classes work. Alright. Cool. Alright. So I signed up with you guys at 01:13. Correct. Alright. Sweet. I'm just having a look at the recent That was two twelve two months years as ago? well. Yeah. Yep. So it was Okay. in March March 2024. So we just hit two years and two months. Okay.","start_word":4030,"end_word":4346,"sentiment":"neutral","sentiment_score":0.04401486808851314},{"text":"Cool. Alright. Well, So that's pretty good performance then. Twelve months, we've got your one forty.","start_word":4347,"end_word":4362,"sentiment":"positive","sentiment_score":0.4581434726715088},{"text":"Now you're just shy of one seventy.","start_word":4363,"end_word":4369,"sentiment":"neutral","sentiment_score":0.2536083161830902},{"text":"Cool.","start_word":4370,"end_word":4370,"sentiment":"positive","sentiment_score":0.42854368686676025},{"text":"And then the interesting thing about the way the super works, because it's percentage based returns, is it's just starting to accelerate. Because Yep. every 10% now, we're talking 15 to 20 grands, up to 30, up to 40, and then it's just gonna kind of take off. But then, Yep. obviously, at some point, we reduce the risk down because you probably don't wanna be high risk at 59 and lose half $1,000,000 a year before you go to live on it. No. Yellow. Yeah.","start_word":4371,"end_word":4456,"sentiment":"neutral","sentiment_score":0.0887124091386795},{"text":"So if you're okay with that, that's cool.","start_word":4457,"end_word":4464,"sentiment":"positive","sentiment_score":0.4536406397819519},{"text":"If at any point you wanna go an extra step above, go a bit more aggressive even, look at Mhmm. possibly leverage options and things like that, we can discuss it. I Right. probably Okay.","start_word":4465,"end_word":4499,"sentiment":"neutral","sentiment_score":0.07448120415210724},{"text":"wouldn't recommend it this minute.","start_word":4500,"end_word":4504,"sentiment":"negative","sentiment_score":-0.3793574571609497},{"text":"Yeah. Let's do a GTX here on the Yeah. Super Bowl. Look. A bit of never went astray. Oh, I already lost 250,000 Australian on a GTXD. Yeah. I didn't know what I was doing, so Yeah. I touched it, so then it it burnt. I mean, I made a lot of money on GTXD, so it's not too bad. And and and shiny as well, like triple leverage gold. So Yeah. Wow. I'm mostly just having makes a look at up a graph for it. of it now, but that's Yeah. Yeah. were you playing Which around one? with it GDXU in 2021? or Yeah. GDXD, No. was that 2122? No. Just in the last nine months. GDXU is not a fun one, but GDXU is good. So, obviously, one is shorting and the other one's long. So, yeah, GDXU. Yeah. Right. Yeah. I Wow.","start_word":4505,"end_word":4650,"sentiment":"neutral","sentiment_score":-0.018008360639214516},{"text":"made I made a I'm up 90 k USD on GDXU this financial year.","start_word":4651,"end_word":4664,"sentiment":"positive","sentiment_score":0.3358944356441498},{"text":"Okay. And then shiny, I think, is, like, maybe 50.","start_word":4665,"end_word":4674,"sentiment":"neutral","sentiment_score":0.11696293205022812},{"text":"So if I didn't be an idiot on GDXD, I'd, you know, had had a really good year.","start_word":4675,"end_word":4692,"sentiment":"positive","sentiment_score":0.43345004320144653},{"text":"Yeah. But I only just started sort of actively trading in, you know, this financial year anyway, so it's not a not a not terrible. Yeah. See, that's the thing that I've got to be careful with when it comes, like, the super, right, is because you can build up all of this wealth personally with Yeah. all these investments. But Yep. if I just get you a consistent 10% after fees every single year until 60, that's Yep. that easy 1 to 2 mil, Yeah. and Yeah. you're Exactly. putting that retirement Yeah. sorted. The moment I chuck Yeah. into something leveraged now and all of a sudden it's crashing, and then we can't afford to do the SMSF, and then all of a sudden it's just we can go aggressive with it, but we just don't do anything too crazy with I'm people's retirement not funds. I'm not trying to be greedy. Like, super's fine. I don't really need to do anything with that. That's why I've only got, you know, 50% of the money over there is for actively investing in it. It's usually not so risky. Yeah. So I'm kind of working on a strategy. It has been an interesting twelve months, though. Yeah. That's for sure. Oh, it's yeah. It's next three years. I don't know if the world's gonna make it, but, you know, we'll see what I I might not need that super money. We'll have a bit of fun along the way. Yeah. I might have to get, you know, sent to Greenland or something or Oh, mate. defending it or taking it. I don't know which side we'll be on, but Who knows? I'll I'll plead that I need to look after people's yeah. retirement savings or something. Yeah. Exactly. Yep. Yeah. It's pretty wild. Alrighty. But any other questions on the super at the moment? No. Seems pretty seems pretty good.","start_word":4693,"end_word":5013,"sentiment":"neutral","sentiment_score":0.04808657889100621},{"text":"Cool.","start_word":5014,"end_word":5014,"sentiment":"positive","sentiment_score":0.53456711769104},{"text":"If you are comfortable with the the services so far, we Uh-huh. have attached in the the sign section an updated service agreement. So Yep. just to let you know, it's the usual 1.65% split across Mhmm. the monthly payments. Yep. The super fund claims a 15% tax rebate off of that Okay. for any expense inside super. Mhmm. Now that's a twelve month consent. It's not a lock in contract for twelve months. And, Mhmm. obviously, we've got six month catch up for some advice and then an annual review after that. No worries.","start_word":5015,"end_word":5109,"sentiment":"neutral","sentiment_score":0.10829081386327744},{"text":"Sounds good.","start_word":5110,"end_word":5111,"sentiment":"positive","sentiment_score":0.3677680492401123},{"text":"Yeah. I'll probably sign that today. I will get your password reset with Hub. Okay. Give you a bit of a look on the website, see if that works a bit better for you. No worries. Do you have do you have people I can get a loan from? Do you guys do that? We've got about six or seven different brokers. Just depends on what type of loan you need. Well, like I said well, like I said, the bank's being useless. So whoever can give me, I don't know, a 100 k for the tax bill and then investing with what I've got because I tried Bank of Failure and they basically told me to fuck off. So Borrowing to invest. yeah. Well, that's they're the guys that you know, the first person I spoke to said with the calculator, maybe a 130 k or said you're approved for that. And then when they actually spoke to me, the next chick was like, yeah. We can give you, like, 25 maybe. Yeah.","start_word":5112,"end_word":5285,"sentiment":"neutral","sentiment_score":-0.07838410884141922},{"text":"No. That's not cool.","start_word":5286,"end_word":5289,"sentiment":"negative","sentiment_score":-0.5456740856170654},{"text":"Okay. So I'm just having a bit of a think. I might put you on to I'll send an email through for Brook, one of the other Okay. brokers that we've got. Their specialty is property, Mhmm. tax Okay. debt loans, and they've also got access to, you know, second tier lenders and things like that. So at least they can give you a landscape of what's possible out Yeah. there Sounds besides good. just the the bank up front. Yeah. No worries. I mean, it does it's not really that big a deal. Like, the the ATO will give me a a $56,000 loan anyway for 10 percent is their their charge for, like, you know, you paying it off slowly. So Yeah. it's not like I really, really, really need it. And Bank of Saudi was only 7% anyway, which, you know, what's the difference? So I was just gonna see who can give me some money for less than that slightly, and if that's good, I'll go with it. Yeah. And I think one of the interesting strategies I was talking to him about last week actually was we got a couple of self employed guys with big ATO debts. And Okay. rather than That paying sucks. it off over twelve to twenty four months, they're just Yep. kind of getting those loans to stretch it out over five years, lower the repayments, and Yeah. keep more cash in the pocket. So Yep. couple of things out there might be possible. I can just make an introduction and you can see. Yeah. That's kinda what I was gonna do except I'll I'll pay it off sooner than that. So but, yeah, the same thing. It was just I may as well take some money and then if I can make a few dollars off it and then pay it, then that's great. Yeah. Yep. I get you. Alright. Yeah. So there'll be a few split emails. I'll do Mhmm. a separate introduction to a broker, see how they go with the options. Okay. The Yep. password reset will probably come from hub directly to you. Yep. And then you've got that email there for the annual review today. Then Cool. in about three weeks' time, team will book you in. I'll send you through that statement of advice for the portfolio update.","start_word":5290,"end_word":5684,"sentiment":"neutral","sentiment_score":0.14202656790236884},{"text":"Yeah. Perfect, man. Sounds good. Cool. Alrighty. Steven, it's been an absolute pleasure. Yeah. Keep on keeping on. You're doing well.","start_word":5685,"end_word":5705,"sentiment":"positive","sentiment_score":0.7137381434440613},{"text":"Any other Uh-huh. questions for me, Matt? No, man.","start_word":5706,"end_word":5714,"sentiment":"neutral","sentiment_score":0.11724019050598145},{"text":"It's all good. I appreciate the call, and good luck with the new baby.","start_word":5715,"end_word":5728,"sentiment":"positive","sentiment_score":0.7027243971824646},{"text":"Number three.","start_word":5729,"end_word":5730,"sentiment":"neutral","sentiment_score":0.2814685106277466},{"text":"Thank you so much. Appreciate that, mate.","start_word":5731,"end_word":5737,"sentiment":"positive","sentiment_score":0.7066125273704529},{"text":"If you need anything else, just call back in, and the team will sort you out.","start_word":5738,"end_word":5753,"sentiment":"neutral","sentiment_score":0.33210158348083496},{"text":"Yeah. Perfect, mate. Alright. Have a good one. You too. Cheers. Cheers.","start_word":5754,"end_word":5765,"sentiment":"positive","sentiment_score":0.544994056224823},{"text":"Bye.","start_word":5766,"end_word":5766,"sentiment":"neutral","sentiment_score":0.29029208421707153}],"average":{"sentiment":"neutral","sentiment_score":0.07530411606129532}}}}