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Is now still a good time for you to be able to run through that? Okay. Yeah. That's not a problem. Do you need a few more minutes? I can give you back a call instead of ten or fifteen if you need to. Okay. Not a problem. Now I know you're just speaking with my colleague there, Jordan, but I will confirm just a few details given the time it has been since we had a discussion there sort of towards the end of last year. But can I confirm in regards to your details there, Julie, that everything's largely unchanged? You're still, yeah, still doing your your casual work the four to five days. You haven't cut back with the the arm issue that you needed to get operated on? Still roughly on about 78,000 annually, though, depending on sort of if you keep track with your work. Okay. Was that just due to the the surgery and then holidays? Or Yep. And then as far as anything else, has anything else changed, Julie, in regards to your personal circumstances since we last spoke? Yep. Perfect. Now we'll be sending this out there to just JulieDouglas68@Gmail.com. And it'll just be an email attachment. It'll be through Odoo. It's a bit different to DocuSign, which you probably used previously. Same sort of signing software. It'll come through in an email. And then with that one there, it'll have some attachments, and that'll have the statement advice for you to be able to look over. And then it'll have a a link if you're happy with the advice to be able to sign that or not there as well. So you should have that in that inbox there shortly, and then we're able to run through that. It is quite a straightforward piece. I know you didn't particularly wanna look at updating anything sort of the last time we spoke. It was mainly due to the fact that your advice was sort of so old, and then we're just doing a bit of a refresh in regards to your investments. Just giving your time on board and just to make sure that the ones that are there are sort of still performing and then sort of looking forward to sort of giving you getting closer to the age of 60, maybe potentially out of access some of your funds and things like that as well. So just being mindful of that. Okay. If you've got a laptop there as well, you should be able to bring it up on your your laptop on that email to have a look at it while we're on Yep. And being on a phone, Joe, it's probably a bit hard to, like, obviously, go through it and sort of hear me as well. So I can go through the the document, let you know the key points, and then yourself and Keith, they can have a a look through it afterwards. And when you're sort of not having me jabbering in the background, have a chance to read through some of the the document yourselves after the phone call. Okay. Perfect. Key points there is it's obviously an advice piece presented for yourself that Julie prepared by myself and the team there as an authorized representative on OQ Financial. In this document here, in regards to the the scoping there, obviously, we take your best interest, Judy, into consideration that everything we provide advice on, we try and put you in a better position than what you were currently. And as far as the advice, we were just reviewing the superannuation and investment just based on your time on board and just making sure that your advice piece is up to date and then just some estate planning matters and just making sure that you're aware of that. I know you got your beneficiaries in place, but you don't have, like, your will, power of attorney, things like that in place at the moment. So recommendation on that. As far as the things that we're aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings. I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself. And then just working on getting your health back on track a little bit and maintaining fit and getting back to work, which is more of a personal goal there. We're just sort of making sure that we're aware of it and tracking that moving forward for you as well. Just so and then with limited advice warning, it's just basically stating that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just sort of aware of and accountability partners for, but we're not providing advice for you today, if that makes sense. Yep. So the strategy, very simply put, is to retain your net wealth superannuation and then change those underlying investments. Make sure you're establishing a will and a power of attorney as part of your estate planning matters there as well. Now yeah. Yeah. And I can send you an email just with, like, a local solicitors here information on wills and estates and their general pricing just to give you a starting point even. Obviously, they're a separate service, so you can use whoever you'd like, but it's a nice little information booklet. It gives you a bit of an idea and just sorta can give you a bit of a jump point even if you find someone locally for you. Perfect. Now we obviously, wills and estates too. You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later there. On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities. Now, obviously, given the time that has elapsed, these might change slightly. And like I said, with the income there, just given the the holidays or time off you took over, that the Christmas period there might be a little bit less. But as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment switch. Now as far as your risk profile goes there, Julie, you did score as, like, a growth, which is about an eighty twenty split. You're currently in a balanced growth, and then given your sort of time to retirement, the level of risk you wanna take on before potentially accessing some of the funds, we just decided to leave it as a balanced growth, which is anywhere from sort of 60 to 70% growth assets and around sort of that 30 to 40% defensive assets just depending on sort of how the portfolio is built, just to aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there. Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well. So as far as your current balance at the moment there, I'll just bring up your account. Bear with me. Bear with me. It should take me a second to load up. As far as the percentage for the last twelve months, though, you've still done 8.19%. But over the course of, like, the last three months, which is, like, the start of the year with the war, it's gone backwards probably about four. So it could have been up around the sort of 12% mark, but, obviously, it's gone backwards that 4% given that everything that did occur. But you're currently sitting around 83,500 in terms of, like, your current balance there, which is still up for the year, very much up. And especially with the balance growth, it's obviously still quite good in terms of return and within that expected, like, return range. But, obviously, yeah, it could have been a lot better if there wasn't that dip. Now as far as the the recommendation goes, we're looking at keeping purely because, like, if you were to sell out, there'd be added capital gains. You'd be moving to a different platform. And then the features gained and the savings of going to a different platform didn't really outweigh the cost you'd be paying with that capital gains and realizing all of that when switching funds. Now the recommendation itself, I know the discussions we did have, you weren't too fast on whether you had, like, the active management in your fund or the passive. You're just sort of open to the recommendation moving forward. Now with the funds that we are recommending we're recommending just moving to a more index approach. So what that does overall is it reduces manager risk. So instead of having someone buying and selling and trying to pick some winners in the market and based on their sort of metrics, You're just following those indexes. And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well. But in saying that if that industry has a bit of a bad year, those are the key performance at the moment. So if they have a bad year plus the underperforming ones that you currently have, it can really sort of cause, like, a really backwards dip or spike. So So with that, we're just looking at updating your entire portfolio. The call will largely remain the same, but then the satellites will change slightly to be a little bit more diversified across different regions and then across different industries instead of being specific to certain industry specific exchange traded funds, which if they have a bad year can really affect your performance. Yep. Yep. No. Completely understandable. So with that, obviously, feel free to have a bit of a look through and then the different funds and the changes there as well. But the key thing with that, I know it's sort of you're a little bit out of sight out of mind with it. You're not too fussed on it. You don't wanna, you know, learn it now. You just pay us the the service. But we wanna make sure you're across sort of what we are recommending at the day there as well. But, yeah, with the markets being so unpredictable as well and then even having those strong performers, with those being industry specific, if something was to occur, like the wars was to affect those specific industries with that concentrated risk can sort of lead to poor performance or bad long term growth, if that makes sense. So Yes. Yeah. Feel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it. There is a best interest, Judy, in regards to why we recommended the way we did. The main key point there is you will be able to have lower investment fees as well. Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments. And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you. Perfect. We did consider that leaving your funds in the same portfolio and just making a switch to the few of the bad funds. But, obviously, I said that that diversification wasn't quite there, so you'd have more diversification with the change. You reduce the manager risk by getting rid of those actively managed funds, and then you remove the underperforming assets by making a change as well. And then we also looked, as I said, to different funds and then changing the platform. But it's still a competitive product. Given your time through time and the capital gains, that would be liable. It just means that it wouldn't be recovered in a timely sort of manner with those changes. So we looked at keeping you in net well. Now on page 14, you'll be able to see the changes and what is selling. So the key ones there that are selling purely because we sort of wanted to get rid of them was the Benelon because it wasn't performing too great, that actively managed fund. I don't remember if you remember that previous discussion, but then also the BetaShares Australian bank hybrids, they're just getting phased out. So we need to change those for an alternative. They're a defensive portion of your fund, which we're doing. And then two, funds that have done quite well, but we're just looking at them because as I said, they're industry sort of specific and can cause a bit of a backwards dip. You've got Batrium and Lithium Tech. Now although it's done quite well over the past twelve months there, it just means that if something was to go like Orion, that industry can really affect that performance. And same with the cleavage rare infrastructure fund there as well. Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry. That means it can sort of, you know, be subject to those market downturns a little bit more heavily. So we're just moving your way into some different regions there to give you a bit of a diversity across different groups there. So you'll still have your key holdings in the S and P five hundred. You'll still have a key holding in Australia, but then you'll also have some exposure outside The US in sort of Europe, Japan, and then all world excluding The US as well, which will give you a nice sort of range across different geographic locations there. Perfect. Yeah. Just spreading it out across different regions, which encompass different companies and different industries there as well as opposed to being a little bit more industry specific with a few of those investments. In addition to that one there, you'll still have a nice core portion in a composite bond there, which is like a fixed interest, which is a defensive portion there as well. So in those market downturns with the interest rate that does go up, they generally perform a little bit better as well. Now as far as the asset allocation, currently around sort of the $70.30 mark in terms of growth versus defensive assets. With the the upgraded portfolio there, it will be around 75% growth, around 24% defensive, which is a little bit more allocation of growth asset. But what it means is you're reducing your manager risk with that one. So you'll have slightly more growth assets, but also slightly less manager risk. And then you'll also have that at a bit of a cheaper cost, which will hopefully set you up to still get some nice returns there moving forward without having to carry that additional management risk of those managed portfolios and that active management costs. On page 16, you'll be able to see a table of that and an illustration of what the cost difference will be. So there is the balance there currently minus the the CDT that would be liable to the account. And then with that, with the change, the investment fee drops quite considerably down $258. So that's money you're guaranteed to be saving each year in terms of, like, the the fee you'll be paying for your investment costs. So you'll retain that capital gains in a couple of years just based on those savings alone, and then that continues after that just to going into your investments and getting investment returns. And as far as the adviser fee, the the current is just based on your current balance versus the 1.1% because it's a coupled fee versus the recommended it takes into account a year's worth of growth, which is why it's considered to be a little bit higher. It's just like an over disclosure that if it was to perform at the the five year rolling average mark, that's what it would look like. Obviously, in terms of, like, the market and what is happening, there's no sort of replication that the next five years will be the same as the last five years. It just gives you a bit of an illustration there, but you'll at least be saving on those investment fees. And although the performance is slightly less, you also carry less major risk. It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well. And then sort of, you know, if you were to stay in your current fund and it did perform and continue to perform, happy days, but you're also carrying a lot more risk being that sort of less diversified fund versus if you go into this more diversified sort of fund a little bit more spread out in terms of, like, the areas which you encompass there. It might perform slightly less in saying that, but it also might still perform slightly more because no one knows what the markets are gonna do. But the guarantee is you'll be saving money. You'll be having a lot more diversification in terms of, like, regions and then also industry and a lot less, yeah, concentration in those two funds that are getting the majority of that growth out of your current fund, if that makes sense. Do you have any questions in regards to that at all there, Julie? Don't care too much. Yep. No. Completely understandable. As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more than fine. Yeah. Perfect. Yeah. So with that, a lot of the core of your portfolio will stay the same. It'll get rid of those underperformers. It's just those key sort of holdings that you do that are performing quite well. You won't just have those moving forward, but that's not a bad thing in the sense that they've had, like, a nice bit of growth now. So, you know, taking a bit of that gain now and then holding that versus if it was to take a bit of a dip and then having to wait for that to recover isn't a bad thing either. As far as the rest of the document there as well, given that your beneficiary nomination is up to date there with your partner there, Keith, that's fine. As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that. It really makes things a lot easier. One of the the important things with the switch with the markets being so volatile at the moment, there is just an importance to note that the assets that have to get sold down and then transferred or, you know, across, it just means that the time out of the market, it can fluctuate a lot more given what is happening at the moment. But given that it's all sort of down at the moment, buying low and but selling low and buying low isn't the the worst thing. It's if it sort of recovered significantly in that time, which the likelihood that it sort of bounces back considerably is, like, still quite slim. It's just sort of at the moment with those ups and downs, you don't really know. That's just something to be aware of with that risk. But in terms of, like, a total cost loss or anything like that, it could go either way where if it drops more considerably in that time while you're in cash, you might actually buy at a little bit of a lower cost base. But if it goes up slightly, you might buy at a bit of a higher cost base. It's just something to be aware of as well. And then as far as the will and power of attorney is considered, obviously, I could go through it a little bit more in-depth. But do you have many questions in regards to setting up a will or power of attorney or anything that, Julie? Happy just to, like yeah. Yeah. Now it is Yeah. Obviously, there is the option to do a potential, like, post office rules and things like that. But given that it might be sort of, you know, better to get it all in the one document from a solicitor, those post office rules can be a little bit janky in the sense that if it sort of you fill out one section wrong, it might not be valid and things like that. Whereas if you go to professional, at least you have the, you know, the peace of mind that it's done correctly. And then it it's sort of done. Yeah. Perfect. But as far as the the next sort of steps, obviously, the remuneration side of thing is still the 1.1%. So it's around $995 for the the service in terms of, like, what paying versus the service you do get. With that being the percentage base, obviously, that's based on your balance and the growth. But if it was to sort of the walk continue and you had a bit of a low year with everything that's going on, it just means that the fee doesn't grow with that. It only grows when the balance grows. But in saying that, do you have any questions in regards to remuneration on the feed all there, Julie? Yep. No problem. As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you. As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you. Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney. We obviously just put in the documents. We do recommend to get it done, which obviously you're on board with. We just obviously can't write them up, unfortunately. But in regards to the document there at all, Julie, do you have any questions about anything that I've covered, anything I haven't covered that you wanna have a chat about? Or Yeah. Not a problem. And then, Keith, I know you're there in the background too. Do you have any questions in regards to that at all? Yeah. Exactly. The the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward. And that's to just have a little bit more guarantee that, you know, you do have that diversification. You do have those funds which have historically performed well. You obviously don't have the upside of potentially outperforming the market, but if you get to 60, you wanna draw down some of your funds and, you know, your two top performance in those managed funds have a bad year like Benelon, it can really sort of hurt your superannuation sort of at a year when you probably wanna look at drawing down, not waiting another three years for it to recover, if that makes sense. Yeah. And then that's what to say that ClearBridge and lithium tech might not still perform moving forward. It's to say that they're just a little bit more volatile in terms of being so industry specific that if they have a bad year, it can really sort of hurt your portfolio where the the updated portfolio is a little bit more diversified. And you still have a bit of cyber security in there as well, which is another bit of a satellite, but it's sort of, you know, a little bit less industry specific. And, you know, cyber security is a bit of a global thing, whereas sort of rare infrastructure can be a little bit more specific. And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well. Yeah. Exactly. So you still have a similar amount of in investments. It'll just be, like, spread across some different funds that are a little bit more diversified with what their holdings are because they're just regions. And then within those regions, you have different companies that sort of fall into that as well. So you still may carry some of that you know, exposure. It just won't be as direct and specific to those areas. But if wait. Sorry? Yes. You'll have it the key holding there will be, yeah, S and P 500 still. It's around 24%, 25 in the top 500 companies in America. You'll have about 20% in the top 200 companies in Australia. And as the, obviously, companies rise and fall, that does sort of change and keep pace with that. That's why it's an index, and it's sort of dynamic in that sense. And then you'll have exposure across a bit in about 7% Europe, about 3% Japan, and about 7% all world excluding The US just because you have such a high holding in the the S and P 500. So it gives you a bit of exposure across the whole world minus that exposure, which is nice. And then you'll also have the the composite bond, which is the defensive portion there as well as some physical gold, which has been an alternative. It can be considered a bit more growth at the moment, but still somewhat defensive. And then the cybersecurity, which is about 4%, which cybersecurity is a bit of a global thing at the moment anyway, and I don't see it going anywhere anytime soon. Feel free to have a a look through it, guys, come back with any questions you might have. Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys. And if you just wanna respond to that with any questions you have, we'll get pulled back in. Just call up one of the team. We'll get you scheduled in. That's not a problem at all. No problem, guys. Well, thanks for your time this afternoon. I'll let you get back to it, and you can enjoy the rest of the hour. Thanks, guys. 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You've come through to Kyle. How are you today? That's good to hear. Now I've got you scheduled in for that statement advice piece today.\n\nIs now still a good time for you to be able to run through that? Okay. Yeah. That's not a problem. Do you need a few more minutes?\n\nI can give you back a call instead of ten or fifteen if you need to. Okay. Not a problem. Now I know you're just speaking with my colleague there, Jordan, but I will confirm just a few details given the time it has been since we had a discussion there sort of towards the end of last year. But can I confirm in regards to your details there, Julie, that everything's largely unchanged?\n\nYou're still, yeah, still doing your your casual work the four to five days. You haven't cut back with the the arm issue that you needed to get operated on? Still roughly on about 78,000 annually, though, depending on sort of if you keep track with your work. Okay. Was that just due to the the surgery and then holidays?\n\nOr Yep. And then as far as anything else, has anything else changed, Julie, in regards to your personal circumstances since we last spoke? Yep. Perfect. Now we'll be sending this out there to just JulieDouglas68@Gmail.com.\n\nAnd it'll just be an email attachment. It'll be through Odoo. It's a bit different to DocuSign, which you probably used previously. Same sort of signing software. It'll come through in an email.\n\nAnd then with that one there, it'll have some attachments, and that'll have the statement advice for you to be able to look over. And then it'll have a a link if you're happy with the advice to be able to sign that or not there as well. So you should have that in that inbox there shortly, and then we're able to run through that. It is quite a straightforward piece. I know you didn't particularly wanna look at updating anything sort of the last time we spoke.\n\nIt was mainly due to the fact that your advice was sort of so old, and then we're just doing a bit of a refresh in regards to your investments. Just giving your time on board and just to make sure that the ones that are there are sort of still performing and then sort of looking forward to sort of giving you getting closer to the age of 60, maybe potentially out of access some of your funds and things like that as well. So just being mindful of that. Okay. If you've got a laptop there as well, you should be able to bring it up on your your laptop on that email to have a look at it while we're on Yep.\n\nAnd being on a phone, Joe, it's probably a bit hard to, like, obviously, go through it and sort of hear me as well. So I can go through the the document, let you know the key points, and then yourself and Keith, they can have a a look through it afterwards. And when you're sort of not having me jabbering in the background, have a chance to read through some of the the document yourselves after the phone call. Okay. Perfect.\n\nKey points there is it's obviously an advice piece presented for yourself that Julie prepared by myself and the team there as an authorized representative on OQ Financial. In this document here, in regards to the the scoping there, obviously, we take your best interest, Judy, into consideration that everything we provide advice on, we try and put you in a better position than what you were currently. And as far as the advice, we were just reviewing the superannuation and investment just based on your time on board and just making sure that your advice piece is up to date and then just some estate planning matters and just making sure that you're aware of that. I know you got your beneficiaries in place, but you don't have, like, your will, power of attorney, things like that in place at the moment. So recommendation on that.\n\nAs far as the things that we're aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings. I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself. And then just working on getting your health back on track a little bit and maintaining fit and getting back to work, which is more of a personal goal there. We're just sort of making sure that we're aware of it and tracking that moving forward for you as well. Just so and then with limited advice warning, it's just basically stating that we're only providing advice on the superannuation and estate planning side of things.\n\nEverything else, we're just sort of aware of and accountability partners for, but we're not providing advice for you today, if that makes sense. Yep. So the strategy, very simply put, is to retain your net wealth superannuation and then change those underlying investments. Make sure you're establishing a will and a power of attorney as part of your estate planning matters there as well. Now yeah.\n\nYeah. And I can send you an email just with, like, a local solicitors here information on wills and estates and their general pricing just to give you a starting point even. Obviously, they're a separate service, so you can use whoever you'd like, but it's a nice little information booklet. It gives you a bit of an idea and just sorta can give you a bit of a jump point even if you find someone locally for you. Perfect.\n\nNow we obviously, wills and estates too. You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later there. On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities. Now, obviously, given the time that has elapsed, these might change slightly. And like I said, with the income there, just given the the holidays or time off you took over, that the Christmas period there might be a little bit less.\n\nBut as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment switch. Now as far as your risk profile goes there, Julie, you did score as, like, a growth, which is about an eighty twenty split. You're currently in a balanced growth, and then given your sort of time to retirement, the level of risk you wanna take on before potentially accessing some of the funds, we just decided to leave it as a balanced growth, which is anywhere from sort of 60 to 70% growth assets and around sort of that 30 to 40% defensive assets just depending on sort of how the portfolio is built, just to aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there. Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well. So as far as your current balance at the moment there, I'll just bring up your account.\n\nBear with me. Bear with me. It should take me a second to load up. As far as the percentage for the last twelve months, though, you've still done 8.19%. But over the course of, like, the last three months, which is, like, the start of the year with the war, it's gone backwards probably about four.\n\nSo it could have been up around the sort of 12% mark, but, obviously, it's gone backwards that 4% given that everything that did occur. But you're currently sitting around 83,500 in terms of, like, your current balance there, which is still up for the year, very much up. And especially with the balance growth, it's obviously still quite good in terms of return and within that expected, like, return range. But, obviously, yeah, it could have been a lot better if there wasn't that dip. Now as far as the the recommendation goes, we're looking at keeping purely because, like, if you were to sell out, there'd be added capital gains.\n\nYou'd be moving to a different platform. And then the features gained and the savings of going to a different platform didn't really outweigh the cost you'd be paying with that capital gains and realizing all of that when switching funds. Now the recommendation itself, I know the discussions we did have, you weren't too fast on whether you had, like, the active management in your fund or the passive. You're just sort of open to the recommendation moving forward. Now with the funds that we are recommending we're recommending just moving to a more index approach.\n\nSo what that does overall is it reduces manager risk. So instead of having someone buying and selling and trying to pick some winners in the market and based on their sort of metrics, You're just following those indexes. And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well. But in saying that if that industry has a bit of a bad year, those are the key performance at the moment. So if they have a bad year plus the underperforming ones that you currently have, it can really sort of cause, like, a really backwards dip or spike.\n\nSo So with that, we're just looking at updating your entire portfolio. The call will largely remain the same, but then the satellites will change slightly to be a little bit more diversified across different regions and then across different industries instead of being specific to certain industry specific exchange traded funds, which if they have a bad year can really affect your performance. Yep. Yep. No.\n\nCompletely understandable. So with that, obviously, feel free to have a bit of a look through and then the different funds and the changes there as well. But the key thing with that, I know it's sort of you're a little bit out of sight out of mind with it. You're not too fussed on it. You don't wanna, you know, learn it now.\n\nYou just pay us the the service. But we wanna make sure you're across sort of what we are recommending at the day there as well. But, yeah, with the markets being so unpredictable as well and then even having those strong performers, with those being industry specific, if something was to occur, like the wars was to affect those specific industries with that concentrated risk can sort of lead to poor performance or bad long term growth, if that makes sense. So Yes. Yeah.\n\nFeel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it. There is a best interest, Judy, in regards to why we recommended the way we did. The main key point there is you will be able to have lower investment fees as well. Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments. And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you.\n\nPerfect. We did consider that leaving your funds in the same portfolio and just making a switch to the few of the bad funds. But, obviously, I said that that diversification wasn't quite there, so you'd have more diversification with the change. You reduce the manager risk by getting rid of those actively managed funds, and then you remove the underperforming assets by making a change as well. And then we also looked, as I said, to different funds and then changing the platform.\n\nBut it's still a competitive product. Given your time through time and the capital gains, that would be liable. It just means that it wouldn't be recovered in a timely sort of manner with those changes. So we looked at keeping you in net well. Now on page 14, you'll be able to see the changes and what is selling.\n\nSo the key ones there that are selling purely because we sort of wanted to get rid of them was the Benelon because it wasn't performing too great, that actively managed fund. I don't remember if you remember that previous discussion, but then also the BetaShares Australian bank hybrids, they're just getting phased out. So we need to change those for an alternative. They're a defensive portion of your fund, which we're doing. And then two, funds that have done quite well, but we're just looking at them because as I said, they're industry sort of specific and can cause a bit of a backwards dip.\n\nYou've got Batrium and Lithium Tech. Now although it's done quite well over the past twelve months there, it just means that if something was to go like Orion, that industry can really affect that performance. And same with the cleavage rare infrastructure fund there as well. Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry. That means it can sort of, you know, be subject to those market downturns a little bit more heavily.\n\nSo we're just moving your way into some different regions there to give you a bit of a diversity across different groups there. So you'll still have your key holdings in the S and P five hundred. You'll still have a key holding in Australia, but then you'll also have some exposure outside The US in sort of Europe, Japan, and then all world excluding The US as well, which will give you a nice sort of range across different geographic locations there. Perfect. Yeah.\n\nJust spreading it out across different regions, which encompass different companies and different industries there as well as opposed to being a little bit more industry specific with a few of those investments. In addition to that one there, you'll still have a nice core portion in a composite bond there, which is like a fixed interest, which is a defensive portion there as well. So in those market downturns with the interest rate that does go up, they generally perform a little bit better as well. Now as far as the asset allocation, currently around sort of the $70.30 mark in terms of growth versus defensive assets. With the the upgraded portfolio there, it will be around 75% growth, around 24% defensive, which is a little bit more allocation of growth asset.\n\nBut what it means is you're reducing your manager risk with that one. So you'll have slightly more growth assets, but also slightly less manager risk. And then you'll also have that at a bit of a cheaper cost, which will hopefully set you up to still get some nice returns there moving forward without having to carry that additional management risk of those managed portfolios and that active management costs. On page 16, you'll be able to see a table of that and an illustration of what the cost difference will be. So there is the balance there currently minus the the CDT that would be liable to the account.\n\nAnd then with that, with the change, the investment fee drops quite considerably down $258. So that's money you're guaranteed to be saving each year in terms of, like, the the fee you'll be paying for your investment costs. So you'll retain that capital gains in a couple of years just based on those savings alone, and then that continues after that just to going into your investments and getting investment returns. And as far as the adviser fee, the the current is just based on your current balance versus the 1.1% because it's a coupled fee versus the recommended it takes into account a year's worth of growth, which is why it's considered to be a little bit higher. It's just like an over disclosure that if it was to perform at the the five year rolling average mark, that's what it would look like.\n\nObviously, in terms of, like, the market and what is happening, there's no sort of replication that the next five years will be the same as the last five years. It just gives you a bit of an illustration there, but you'll at least be saving on those investment fees. And although the performance is slightly less, you also carry less major risk. It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well. And then sort of, you know, if you were to stay in your current fund and it did perform and continue to perform, happy days, but you're also carrying a lot more risk being that sort of less diversified fund versus if you go into this more diversified sort of fund a little bit more spread out in terms of, like, the areas which you encompass there.\n\nIt might perform slightly less in saying that, but it also might still perform slightly more because no one knows what the markets are gonna do. But the guarantee is you'll be saving money. You'll be having a lot more diversification in terms of, like, regions and then also industry and a lot less, yeah, concentration in those two funds that are getting the majority of that growth out of your current fund, if that makes sense. Do you have any questions in regards to that at all there, Julie? Don't care too much.\n\nYep. No. Completely understandable. As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more than fine. Yeah.\n\nPerfect. Yeah. So with that, a lot of the core of your portfolio will stay the same. It'll get rid of those underperformers. It's just those key sort of holdings that you do that are performing quite well.\n\nYou won't just have those moving forward, but that's not a bad thing in the sense that they've had, like, a nice bit of growth now. So, you know, taking a bit of that gain now and then holding that versus if it was to take a bit of a dip and then having to wait for that to recover isn't a bad thing either. As far as the rest of the document there as well, given that your beneficiary nomination is up to date there with your partner there, Keith, that's fine. As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that. It really makes things a lot easier.\n\nOne of the the important things with the switch with the markets being so volatile at the moment, there is just an importance to note that the assets that have to get sold down and then transferred or, you know, across, it just means that the time out of the market, it can fluctuate a lot more given what is happening at the moment. But given that it's all sort of down at the moment, buying low and but selling low and buying low isn't the the worst thing. It's if it sort of recovered significantly in that time, which the likelihood that it sort of bounces back considerably is, like, still quite slim. It's just sort of at the moment with those ups and downs, you don't really know. That's just something to be aware of with that risk.\n\nBut in terms of, like, a total cost loss or anything like that, it could go either way where if it drops more considerably in that time while you're in cash, you might actually buy at a little bit of a lower cost base. But if it goes up slightly, you might buy at a bit of a higher cost base. It's just something to be aware of as well. And then as far as the will and power of attorney is considered, obviously, I could go through it a little bit more in-depth. But do you have many questions in regards to setting up a will or power of attorney or anything that, Julie?\n\nHappy just to, like yeah. Yeah. Now it is Yeah. Obviously, there is the option to do a potential, like, post office rules and things like that. But given that it might be sort of, you know, better to get it all in the one document from a solicitor, those post office rules can be a little bit janky in the sense that if it sort of you fill out one section wrong, it might not be valid and things like that.\n\nWhereas if you go to professional, at least you have the, you know, the peace of mind that it's done correctly. And then it it's sort of done. Yeah. Perfect. But as far as the the next sort of steps, obviously, the remuneration side of thing is still the 1.1%.\n\nSo it's around $995 for the the service in terms of, like, what paying versus the service you do get. With that being the percentage base, obviously, that's based on your balance and the growth. But if it was to sort of the walk continue and you had a bit of a low year with everything that's going on, it just means that the fee doesn't grow with that. It only grows when the balance grows. But in saying that, do you have any questions in regards to remuneration on the feed all there, Julie?\n\nYep. No problem. As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you. As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you. Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney.\n\nWe obviously just put in the documents. We do recommend to get it done, which obviously you're on board with. We just obviously can't write them up, unfortunately. But in regards to the document there at all, Julie, do you have any questions about anything that I've covered, anything I haven't covered that you wanna have a chat about? Or Yeah.\n\nNot a problem. And then, Keith, I know you're there in the background too. Do you have any questions in regards to that at all? Yeah. Exactly.\n\nThe the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward. And that's to just have a little bit more guarantee that, you know, you do have that diversification. You do have those funds which have historically performed well. You obviously don't have the upside of potentially outperforming the market, but if you get to 60, you wanna draw down some of your funds and, you know, your two top performance in those managed funds have a bad year like Benelon, it can really sort of hurt your superannuation sort of at a year when you probably wanna look at drawing down, not waiting another three years for it to recover, if that makes sense. Yeah.\n\nAnd then that's what to say that ClearBridge and lithium tech might not still perform moving forward. It's to say that they're just a little bit more volatile in terms of being so industry specific that if they have a bad year, it can really sort of hurt your portfolio where the the updated portfolio is a little bit more diversified. And you still have a bit of cyber security in there as well, which is another bit of a satellite, but it's sort of, you know, a little bit less industry specific. And, you know, cyber security is a bit of a global thing, whereas sort of rare infrastructure can be a little bit more specific. And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well.\n\nYeah. Exactly. So you still have a similar amount of in investments. It'll just be, like, spread across some different funds that are a little bit more diversified with what their holdings are because they're just regions. And then within those regions, you have different companies that sort of fall into that as well.\n\nSo you still may carry some of that you know, exposure. It just won't be as direct and specific to those areas. But if wait. Sorry? Yes.\n\nYou'll have it the key holding there will be, yeah, S and P 500 still. It's around 24%, 25 in the top 500 companies in America. You'll have about 20% in the top 200 companies in Australia. And as the, obviously, companies rise and fall, that does sort of change and keep pace with that. That's why it's an index, and it's sort of dynamic in that sense.\n\nAnd then you'll have exposure across a bit in about 7% Europe, about 3% Japan, and about 7% all world excluding The US just because you have such a high holding in the the S and P 500. So it gives you a bit of exposure across the whole world minus that exposure, which is nice. And then you'll also have the the composite bond, which is the defensive portion there as well as some physical gold, which has been an alternative. It can be considered a bit more growth at the moment, but still somewhat defensive. And then the cybersecurity, which is about 4%, which cybersecurity is a bit of a global thing at the moment anyway, and I don't see it going anywhere anytime soon.\n\nFeel free to have a a look through it, guys, come back with any questions you might have. Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys. And if you just wanna respond to that with any questions you have, we'll get pulled back in. Just call up one of the team. We'll get you scheduled in.\n\nThat's not a problem at all. No problem, guys. Well, thanks for your time this afternoon. I'll let you get back to it, and you can enjoy the rest of the hour. Thanks, guys.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.48,"end":2.72,"sentiment":"neutral","sentiment_score":0.2049383819103241},{"text":"You've come through to Kyle.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.24683424532413484},{"text":"How are you today?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.3150314390659332},{"text":"That's good to hear.","start":7.2,"end":8.42,"sentiment":"positive","sentiment_score":0.8070838004350662},{"text":"Now I've got you scheduled in for that statement advice piece today.","start":8.88,"end":13.28,"sentiment":"positive","sentiment_score":0.3589317972461383}],"sentiment":"positive","sentiment_score":0.3936443128264867,"num_words":26,"start":2.48,"end":13.28},{"sentences":[{"text":"Is now still a good time for you to be able to run through that?","start":13.28,"end":15.825,"sentiment":"neutral","sentiment_score":0.27520266771316526},{"text":"Okay.","start":20.705,"end":21.105,"sentiment":"neutral","sentiment_score":0.020928215235471725},{"text":"Yeah.","start":21.105,"end":21.345,"sentiment":"neutral","sentiment_score":0.05225664749741554},{"text":"That's not a problem.","start":21.345,"end":22.145,"sentiment":"neutral","sentiment_score":0.13665565103292465},{"text":"Do you need a few more minutes?","start":22.145,"end":23.505,"sentiment":"neutral","sentiment_score":0.03189891656594617}],"sentiment":"neutral","sentiment_score":0.1775407106615603,"num_words":28,"start":13.28,"end":23.505},{"sentences":[{"text":"I can give you back a call instead of ten or fifteen if you need to.","start":23.505,"end":26.805,"sentiment":"neutral","sentiment_score":0.006153118680231273},{"text":"Okay.","start":29.12,"end":29.52,"sentiment":"neutral","sentiment_score":0.09012823551893234},{"text":"Not a problem.","start":29.52,"end":30.34,"sentiment":"neutral","sentiment_score":0.1471861700216929},{"text":"Now I know you're just speaking with my colleague there, Jordan, but I will confirm just a few details given the time it has been since we had a discussion there sort of towards the end of last year.","start":30.8,"end":41.295002,"sentiment":"neutral","sentiment_score":0.050370994286659435},{"text":"But can I confirm in regards to your details there, Julie, that everything's largely unchanged?","start":41.295002,"end":45.795,"sentiment":"neutral","sentiment_score":0.059025773654381435}],"sentiment":"neutral","sentiment_score":0.047026919276529064,"num_words":74,"start":23.505,"end":45.795},{"sentences":[{"text":"You're still, yeah, still doing your your casual work the four to five days.","start":45.855,"end":53.375,"sentiment":"neutral","sentiment_score":0.01727217256224581},{"text":"You haven't cut back with the the arm issue that you needed to get operated on?","start":53.375,"end":56.85,"sentiment":"neutral","sentiment_score":-0.0731573284137994},{"text":"Still roughly on about 78,000 annually, though, depending on sort of if you keep track with your work.","start":64.21,"end":69.315,"sentiment":"neutral","sentiment_score":-0.043585313173631825},{"text":"Okay.","start":74.675,"end":74.995,"sentiment":"neutral","sentiment_score":-0.07448934018611908},{"text":"Was that just due to the the surgery and then holidays?","start":74.995,"end":78.455,"sentiment":"neutral","sentiment_score":-0.09698931940577248}],"sentiment":"neutral","sentiment_score":-0.0475769054920723,"num_words":60,"start":45.855,"end":78.455},{"sentences":[{"text":"Or Yep.","start":78.515,"end":83.03,"sentiment":"neutral","sentiment_score":-0.031021373812109232},{"text":"And then as far as anything else, has anything else changed, Julie, in regards to your personal circumstances since we last spoke?","start":85.090004,"end":91.67,"sentiment":"neutral","sentiment_score":-0.006658977913585576},{"text":"Yep.","start":93.585,"end":94.085,"sentiment":"neutral","sentiment_score":0.06638157367706299},{"text":"Perfect.","start":94.145004,"end":94.645004,"sentiment":"neutral","sentiment_score":0.24765130877494812},{"text":"Now we'll be sending this out there to just JulieDouglas68@Gmail.com.","start":95.265,"end":100.325005,"sentiment":"neutral","sentiment_score":0.13634785562753676}],"sentiment":"neutral","sentiment_score":0.04080475491678549,"num_words":36,"start":78.515,"end":100.325005},{"sentences":[{"text":"And it'll just be an email attachment.","start":101.265,"end":102.865,"sentiment":"neutral","sentiment_score":0.060029405036142895},{"text":"It'll be through Odoo.","start":102.865,"end":103.745,"sentiment":"neutral","sentiment_score":0.04631367605179548},{"text":"It's a bit different to DocuSign, which you probably used previously.","start":103.745,"end":107.445,"sentiment":"neutral","sentiment_score":-0.00039925883439454157},{"text":"Same sort of signing software.","start":107.990005,"end":109.350006,"sentiment":"neutral","sentiment_score":0.010519247129559517},{"text":"It'll come through in an email.","start":109.350006,"end":110.47,"sentiment":"neutral","sentiment_score":0.06240700806180636}],"sentiment":"neutral","sentiment_score":0.03115475685759024,"num_words":33,"start":101.265,"end":110.47},{"sentences":[{"text":"And then with that one there, it'll have some attachments, and that'll have the statement advice for you to be able to look over.","start":110.47,"end":116.55,"sentiment":"neutral","sentiment_score":0.07177766443540652},{"text":"And then it'll have a a link if you're happy with the advice to be able to sign that or not there as well.","start":116.55,"end":121.69,"sentiment":"neutral","sentiment_score":0.24029696453362703},{"text":"So you should have that in that inbox there shortly, and then we're able to run through that.","start":122.045,"end":126.784996,"sentiment":"neutral","sentiment_score":0.2916964466373126},{"text":"It is quite a straightforward piece.","start":127.485,"end":129.08499,"sentiment":"positive","sentiment_score":0.7174212336540222},{"text":"I know you didn't particularly wanna look at updating anything sort of the last time we spoke.","start":129.08499,"end":132.925,"sentiment":"neutral","sentiment_score":0.06019712831167614}],"sentiment":"neutral","sentiment_score":0.20301354739270852,"num_words":89,"start":110.47,"end":132.925},{"sentences":[{"text":"It was mainly due to the fact that your advice was sort of so old, and then we're just doing a bit of a refresh in regards to your investments.","start":132.925,"end":139.97,"sentiment":"neutral","sentiment_score":-0.05692447759211063},{"text":"Just giving your time on board and just to make sure that the ones that are there are sort of still performing and then sort of looking forward to sort of giving you getting closer to the age of 60, maybe potentially out of access some of your funds and things like that as well.","start":141.07,"end":154.065,"sentiment":"neutral","sentiment_score":0.25696708140048113},{"text":"So just being mindful of that.","start":154.285,"end":155.905,"sentiment":"neutral","sentiment_score":0.08578561370571454},{"text":"Okay.","start":164.86,"end":165.18,"sentiment":"neutral","sentiment_score":0.11113792657852171},{"text":"If you've got a laptop there as well, you should be able to bring it up on your your laptop on that email to have a look at it while we're on Yep.","start":165.18,"end":189.29,"sentiment":"neutral","sentiment_score":0.05046650535906806}],"sentiment":"neutral","sentiment_score":0.11773361147940159,"num_words":125,"start":132.925,"end":189.29},{"sentences":[{"text":"And being on a phone, Joe, it's probably a bit hard to, like, obviously, go through it and sort of hear me as well.","start":189.29,"end":195.20999,"sentiment":"neutral","sentiment_score":-0.08126052655279636},{"text":"So I can go through the the document, let you know the key points, and then yourself and Keith, they can have a a look through it afterwards.","start":195.20999,"end":204.175,"sentiment":"neutral","sentiment_score":0.11731541768780776},{"text":"And when you're sort of not having me jabbering in the background, have a chance to read through some of the the document yourselves after the phone call.","start":204.175,"end":210.83499,"sentiment":"neutral","sentiment_score":0.03390939640147345},{"text":"Okay.","start":212.91,"end":213.15,"sentiment":"positive","sentiment_score":0.379106342792511},{"text":"Perfect.","start":213.15,"end":213.65,"sentiment":"positive","sentiment_score":0.6171356439590454}],"sentiment":"neutral","sentiment_score":0.04000346517054046,"num_words":82,"start":189.29,"end":213.65},{"sentences":[{"text":"Key points there is it's obviously an advice piece presented for yourself that Julie prepared by myself and the team there as an authorized representative on OQ Financial.","start":213.95,"end":221.65,"sentiment":"neutral","sentiment_score":0.3301633633673191},{"text":"In this document here, in regards to the the scoping there, obviously, we take your best interest, Judy, into consideration that everything we provide advice on, we try and put you in a better position than what you were currently.","start":222.27,"end":232.80501,"sentiment":"neutral","sentiment_score":0.2461314482614398},{"text":"And as far as the advice, we were just reviewing the superannuation and investment just based on your time on board and just making sure that your advice piece is up to date and then just some estate planning matters and just making sure that you're aware of that.","start":233.265,"end":247.95,"sentiment":"neutral","sentiment_score":0.10585015601649576},{"text":"I know you got your beneficiaries in place, but you don't have, like, your will, power of attorney, things like that in place at the moment.","start":247.95,"end":253.065,"sentiment":"neutral","sentiment_score":-0.04139590406647095},{"text":"So recommendation on that.","start":253.465,"end":254.825,"sentiment":"neutral","sentiment_score":-0.022764304652810097}],"sentiment":"neutral","sentiment_score":0.15720502738239003,"num_words":147,"start":213.95,"end":254.825},{"sentences":[{"text":"As far as the things that we're aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings.","start":254.825,"end":263.465,"sentiment":"neutral","sentiment_score":-0.14235304031641252},{"text":"I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself.","start":263.465,"end":271.19998,"sentiment":"neutral","sentiment_score":0.26552751660346985},{"text":"And then just working on getting your health back on track a little bit and maintaining fit and getting back to work, which is more of a personal goal there.","start":271.9,"end":279.09998,"sentiment":"positive","sentiment_score":0.47603077987829845},{"text":"We're just sort of making sure that we're aware of it and tracking that moving forward for you as well.","start":279.09998,"end":283.655,"sentiment":"positive","sentiment_score":0.40774842351675034},{"text":"Just so and then with limited advice warning, it's just basically stating that we're only providing advice on the superannuation and estate planning side of things.","start":283.655,"end":291.655,"sentiment":"neutral","sentiment_score":-0.05302356616952098}],"sentiment":"neutral","sentiment_score":0.17570225415993054,"num_words":131,"start":254.825,"end":291.655},{"sentences":[{"text":"Everything else, we're just sort of aware of and accountability partners for, but we're not providing advice for you today, if that makes sense.","start":291.655,"end":297.355,"sentiment":"neutral","sentiment_score":-0.1725058490410447},{"text":"Yep.","start":298.85,"end":299.35,"sentiment":"neutral","sentiment_score":0.0390615239739418},{"text":"So the strategy, very simply put, is to retain your net wealth superannuation and then change those underlying investments.","start":300.13,"end":305.91,"sentiment":"neutral","sentiment_score":0.0977467929846362},{"text":"Make sure you're establishing a will and a power of attorney as part of your estate planning matters there as well.","start":306.05002,"end":311.565,"sentiment":"neutral","sentiment_score":0.0973184449332101},{"text":"Now yeah.","start":317.245,"end":318.525,"sentiment":"neutral","sentiment_score":-0.015301305800676346}],"sentiment":"neutral","sentiment_score":-0.003444851556820656,"num_words":67,"start":291.655,"end":318.525},{"sentences":[{"text":"Yeah.","start":318.525,"end":318.925,"sentiment":"neutral","sentiment_score":0.08543798327445984},{"text":"And I can send you an email just with, like, a local solicitors here information on wills and estates and their general pricing just to give you a starting point even.","start":318.925,"end":327.42,"sentiment":"neutral","sentiment_score":0.1511902595239301},{"text":"Obviously, they're a separate service, so you can use whoever you'd like, but it's a nice little information booklet.","start":328.46002,"end":333.34003,"sentiment":"positive","sentiment_score":0.3336518948015414},{"text":"It gives you a bit of an idea and just sorta can give you a bit of a jump point even if you find someone locally for you.","start":333.34003,"end":339.825,"sentiment":"positive","sentiment_score":0.45273234375885557},{"text":"Perfect.","start":343.58502,"end":344.08502,"sentiment":"positive","sentiment_score":0.7245010733604431}],"sentiment":"neutral","sentiment_score":0.3064091091044247,"num_words":80,"start":318.525,"end":344.08502},{"sentences":[{"text":"Now we obviously, wills and estates too.","start":345.265,"end":347.345,"sentiment":"neutral","sentiment_score":0.2238186491387231},{"text":"You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later there.","start":347.345,"end":357.88177,"sentiment":"neutral","sentiment_score":0.15986355402403407},{"text":"On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities.","start":357.88177,"end":365.24393,"sentiment":"neutral","sentiment_score":0.11600133302536877},{"text":"Now, obviously, given the time that has elapsed, these might change slightly.","start":365.24393,"end":369.16498,"sentiment":"neutral","sentiment_score":-0.013269499409943819},{"text":"And like I said, with the income there, just given the the holidays or time off you took over, that the Christmas period there might be a little bit less.","start":369.16498,"end":376.705,"sentiment":"neutral","sentiment_score":0.025784762265781563}],"sentiment":"neutral","sentiment_score":0.1028183506609037,"num_words":116,"start":345.265,"end":376.705},{"sentences":[{"text":"But as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment switch.","start":377.405,"end":386.03998,"sentiment":"neutral","sentiment_score":0.2104789172025288},{"text":"Now as far as your risk profile goes there, Julie, you did score as, like, a growth, which is about an eighty twenty split.","start":389.37997,"end":396.645,"sentiment":"neutral","sentiment_score":0.19566512977083525},{"text":"You're currently in a balanced growth, and then given your sort of time to retirement, the level of risk you wanna take on before potentially accessing some of the funds, we just decided to leave it as a balanced growth, which is anywhere from sort of 60 to 70% growth assets and around sort of that 30 to 40% defensive assets just depending on sort of how the portfolio is built, just to aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there.","start":396.805,"end":428.355,"sentiment":"neutral","sentiment_score":0.2667912617325783},{"text":"Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well.","start":428.575,"end":437.61,"sentiment":"neutral","sentiment_score":0.185711726972035},{"text":"So as far as your current balance at the moment there, I'll just bring up your account.","start":442.16998,"end":446.27,"sentiment":"neutral","sentiment_score":0.006326490684467203}],"sentiment":"neutral","sentiment_score":0.2151925332703014,"num_words":211,"start":377.405,"end":446.27},{"sentences":[{"text":"Bear with me.","start":451.145,"end":461.385,"sentiment":"neutral","sentiment_score":-0.11005779355764389},{"text":"Bear with me.","start":461.385,"end":461.945,"sentiment":"neutral","sentiment_score":-0.04270856703321139},{"text":"It should take me a second to load up.","start":461.945,"end":463.805,"sentiment":"neutral","sentiment_score":0.014355111660228835},{"text":"As far as the percentage for the last twelve months, though, you've still done 8.19%.","start":464.55002,"end":468.87,"sentiment":"neutral","sentiment_score":0.03852021110554536},{"text":"But over the course of, like, the last three months, which is, like, the start of the year with the war, it's gone backwards probably about four.","start":468.87,"end":475.45,"sentiment":"neutral","sentiment_score":-0.2136082610598317}],"sentiment":"neutral","sentiment_score":-0.09681970103268038,"num_words":57,"start":451.145,"end":475.45},{"sentences":[{"text":"So it could have been up around the sort of 12% mark, but, obviously, it's gone backwards that 4% given that everything that did occur.","start":475.99002,"end":483.685,"sentiment":"neutral","sentiment_score":-0.092612584233284},{"text":"But you're currently sitting around 83,500 in terms of, like, your current balance there, which is still up for the year, very much up.","start":483.685,"end":494.15,"sentiment":"positive","sentiment_score":0.343488366343081},{"text":"And especially with the balance growth, it's obviously still quite good in terms of return and within that expected, like, return range.","start":494.37,"end":500.39,"sentiment":"positive","sentiment_score":0.5988632955334403},{"text":"But, obviously, yeah, it could have been a lot better if there wasn't that dip.","start":501.795,"end":504.855,"sentiment":"neutral","sentiment_score":-0.21514567583799363},{"text":"Now as far as the the recommendation goes, we're looking at keeping purely because, like, if you were to sell out, there'd be added capital gains.","start":510.595,"end":520.02,"sentiment":"neutral","sentiment_score":0.1264974016409654}],"sentiment":"neutral","sentiment_score":0.17111737493957793,"num_words":112,"start":475.99002,"end":520.02},{"sentences":[{"text":"You'd be moving to a different platform.","start":520.02,"end":521.7,"sentiment":"neutral","sentiment_score":0.1768248091850962},{"text":"And then the features gained and the savings of going to a different platform didn't really outweigh the cost you'd be paying with that capital gains and realizing all of that when switching funds.","start":521.7,"end":530.355,"sentiment":"neutral","sentiment_score":0.24977387750850005},{"text":"Now the recommendation itself, I know the discussions we did have, you weren't too fast on whether you had, like, the active management in your fund or the passive.","start":532.27496,"end":539.735,"sentiment":"neutral","sentiment_score":0.22244901903744402},{"text":"You're just sort of open to the recommendation moving forward.","start":540.115,"end":542.935,"sentiment":"positive","sentiment_score":0.44078744351863863},{"text":"Now with the funds that we are recommending we're recommending just moving to a more index approach.","start":543.5,"end":548.06,"sentiment":"neutral","sentiment_score":0.28806304668678956}],"sentiment":"neutral","sentiment_score":0.2627428173250759,"num_words":97,"start":520.02,"end":548.06},{"sentences":[{"text":"So what that does overall is it reduces manager risk.","start":548.06,"end":551.1,"sentiment":"positive","sentiment_score":0.40048848241567614},{"text":"So instead of having someone buying and selling and trying to pick some winners in the market and based on their sort of metrics, You're just following those indexes.","start":551.1,"end":558.945,"sentiment":"neutral","sentiment_score":0.2635763398660668},{"text":"And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well.","start":559.645,"end":571.98505,"sentiment":"neutral","sentiment_score":0.11029181061756044},{"text":"But in saying that if that industry has a bit of a bad year, those are the key performance at the moment.","start":572.88,"end":577.52,"sentiment":"neutral","sentiment_score":-0.1848805412988771},{"text":"So if they have a bad year plus the underperforming ones that you currently have, it can really sort of cause, like, a really backwards dip or spike.","start":577.52,"end":584.9,"sentiment":"negative","sentiment_score":-0.39071170559951235}],"sentiment":"neutral","sentiment_score":0.009721794357622852,"num_words":131,"start":548.06,"end":584.9},{"sentences":[{"text":"So So with that, we're just looking at updating your entire portfolio.","start":585.44,"end":588.10504,"sentiment":"neutral","sentiment_score":0.0472127515822649},{"text":"The call will largely remain the same, but then the satellites will change slightly to be a little bit more diversified across different regions and then across different industries instead of being specific to certain industry specific exchange traded funds, which if they have a bad year can really affect your performance.","start":588.16504,"end":605.51996,"sentiment":"neutral","sentiment_score":-0.010307565116538452},{"text":"Yep.","start":609.74,"end":610.24,"sentiment":"neutral","sentiment_score":-0.2622798979282379},{"text":"Yep.","start":617.595,"end":618.095,"sentiment":"neutral","sentiment_score":0.022953268140554428},{"text":"No.","start":618.235,"end":618.475,"sentiment":"neutral","sentiment_score":-0.025359582155942917}],"sentiment":"neutral","sentiment_score":-0.0034944265524842846,"num_words":67,"start":585.44,"end":618.475},{"sentences":[{"text":"Completely understandable.","start":618.475,"end":619.455,"sentiment":"neutral","sentiment_score":0.016433673619758338},{"text":"So with that, obviously, feel free to have a bit of a look through and then the different funds and the changes there as well.","start":619.995,"end":626.015,"sentiment":"neutral","sentiment_score":0.09636512115597724},{"text":"But the key thing with that, I know it's sort of you're a little bit out of sight out of mind with it.","start":626.27997,"end":630.51996,"sentiment":"neutral","sentiment_score":-0.18202529232139172},{"text":"You're not too fussed on it.","start":630.51996,"end":631.48,"sentiment":"neutral","sentiment_score":-0.1417213057478269},{"text":"You don't wanna, you know, learn it now.","start":631.48,"end":633.39996,"sentiment":"neutral","sentiment_score":-0.13960613496601582}],"sentiment":"neutral","sentiment_score":-0.05799630096043984,"num_words":64,"start":618.475,"end":633.39996},{"sentences":[{"text":"You just pay us the the service.","start":633.39996,"end":635.33997,"sentiment":"neutral","sentiment_score":-0.032798680875982554},{"text":"But we wanna make sure you're across sort of what we are recommending at the day there as well.","start":635.39996,"end":639.33997,"sentiment":"neutral","sentiment_score":0.0005632668341460981},{"text":"But, yeah, with the markets being so unpredictable as well and then even having those strong performers, with those being industry specific, if something was to occur, like the wars was to affect those specific industries with that concentrated risk can sort of lead to poor performance or bad long term growth, if that makes sense.","start":640.595,"end":659.68,"sentiment":"neutral","sentiment_score":-0.2504376414498048},{"text":"So Yes.","start":660.38,"end":662.32,"sentiment":"neutral","sentiment_score":0.057993583381175995},{"text":"Yeah.","start":664.94,"end":665.25995,"sentiment":"neutral","sentiment_score":0.11378822475671768}],"sentiment":"neutral","sentiment_score":-0.1648661320700365,"num_words":85,"start":633.39996,"end":665.25995},{"sentences":[{"text":"Feel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it.","start":665.25995,"end":669.18,"sentiment":"neutral","sentiment_score":0.14845842513300123},{"text":"There is a best interest, Judy, in regards to why we recommended the way we did.","start":669.18,"end":673.435,"sentiment":"neutral","sentiment_score":0.2224321197718382},{"text":"The main key point there is you will be able to have lower investment fees as well.","start":674.055,"end":680.375,"sentiment":"positive","sentiment_score":0.40935399470960393},{"text":"Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments.","start":680.375,"end":688.85,"sentiment":"positive","sentiment_score":0.4222873082527748},{"text":"And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you.","start":689.63,"end":698.655,"sentiment":"positive","sentiment_score":0.343437755247578}],"sentiment":"neutral","sentiment_score":0.3179021155062531,"num_words":112,"start":665.25995,"end":698.655},{"sentences":[{"text":"Perfect.","start":701.435,"end":701.935,"sentiment":"positive","sentiment_score":0.6071857213973999},{"text":"We did consider that leaving your funds in the same portfolio and just making a switch to the few of the bad funds.","start":702.23505,"end":708.395,"sentiment":"neutral","sentiment_score":0.06149342801907788},{"text":"But, obviously, I said that that diversification wasn't quite there, so you'd have more diversification with the change.","start":708.395,"end":714.89996,"sentiment":"neutral","sentiment_score":0.09615966801842053},{"text":"You reduce the manager risk by getting rid of those actively managed funds, and then you remove the underperforming assets by making a change as well.","start":715.12,"end":722.355,"sentiment":"neutral","sentiment_score":0.11825686865128003},{"text":"And then we also looked, as I said, to different funds and then changing the platform.","start":722.435,"end":726.83496,"sentiment":"neutral","sentiment_score":0.004554305225610733}],"sentiment":"neutral","sentiment_score":0.08214233403227159,"num_words":84,"start":701.435,"end":726.83496},{"sentences":[{"text":"But it's still a competitive product.","start":726.83496,"end":728.615,"sentiment":"neutral","sentiment_score":0.007059080759063363},{"text":"Given your time through time and the capital gains, that would be liable.","start":728.675,"end":732.055,"sentiment":"neutral","sentiment_score":-0.07465599821164058},{"text":"It just means that it wouldn't be recovered in a timely sort of manner with those changes.","start":732.51495,"end":737.475,"sentiment":"neutral","sentiment_score":-0.03835677158306627},{"text":"So we looked at keeping you in net well.","start":737.475,"end":739.95,"sentiment":"neutral","sentiment_score":0.07589295879006386},{"text":"Now on page 14, you'll be able to see the changes and what is selling.","start":740.57,"end":744.97003,"sentiment":"neutral","sentiment_score":0.045611434057354926}],"sentiment":"neutral","sentiment_score":-0.0035505078189695875,"num_words":60,"start":726.83496,"end":744.97003},{"sentences":[{"text":"So the key ones there that are selling purely because we sort of wanted to get rid of them was the Benelon because it wasn't performing too great, that actively managed fund.","start":744.97003,"end":754.705,"sentiment":"neutral","sentiment_score":-0.20720442535821348},{"text":"I don't remember if you remember that previous discussion, but then also the BetaShares Australian bank hybrids, they're just getting phased out.","start":754.705,"end":761.905,"sentiment":"neutral","sentiment_score":-0.1635956158014861},{"text":"So we need to change those for an alternative.","start":761.905,"end":763.825,"sentiment":"neutral","sentiment_score":-0.15548285759157604},{"text":"They're a defensive portion of your fund, which we're doing.","start":763.825,"end":767.28,"sentiment":"neutral","sentiment_score":-0.06489325165748597},{"text":"And then two, funds that have done quite well, but we're just looking at them because as I said, they're industry sort of specific and can cause a bit of a backwards dip.","start":767.84,"end":776.82,"sentiment":"neutral","sentiment_score":-0.13731058178977532}],"sentiment":"neutral","sentiment_score":-0.15857709993450148,"num_words":106,"start":744.97003,"end":776.82},{"sentences":[{"text":"You've got Batrium and Lithium Tech.","start":777.04004,"end":778.64,"sentiment":"neutral","sentiment_score":-0.08611500884095828},{"text":"Now although it's done quite well over the past twelve months there, it just means that if something was to go like Orion, that industry can really affect that performance.","start":778.64,"end":786.575,"sentiment":"neutral","sentiment_score":-0.17576666325330734},{"text":"And same with the cleavage rare infrastructure fund there as well.","start":786.635,"end":790.555,"sentiment":"neutral","sentiment_score":-0.1511693292043426},{"text":"Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry.","start":790.555,"end":795.935,"sentiment":"neutral","sentiment_score":-0.06491934390444505},{"text":"That means it can sort of, you know, be subject to those market downturns a little bit more heavily.","start":795.995,"end":800.69,"sentiment":"neutral","sentiment_score":-0.24685631653195933}],"sentiment":"neutral","sentiment_score":-0.15736811906099318,"num_words":85,"start":777.04004,"end":800.69},{"sentences":[{"text":"So we're just moving your way into some different regions there to give you a bit of a diversity across different groups there.","start":800.91,"end":808.51,"sentiment":"neutral","sentiment_score":0.10979954938849677},{"text":"So you'll still have your key holdings in the S and P five hundred.","start":808.51,"end":811.89,"sentiment":"neutral","sentiment_score":0.1565012506076268},{"text":"You'll still have a key holding in Australia, but then you'll also have some exposure outside The US in sort of Europe, Japan, and then all world excluding The US as well, which will give you a nice sort of range across different geographic locations there.","start":811.98505,"end":827.04504,"sentiment":"neutral","sentiment_score":0.14741993088113226},{"text":"Perfect.","start":830.06,"end":830.56,"sentiment":"positive","sentiment_score":0.49955421686172485},{"text":"Yeah.","start":831.98,"end":832.38,"sentiment":"neutral","sentiment_score":0.29111436009407043}],"sentiment":"neutral","sentiment_score":0.1445693240227068,"num_words":85,"start":800.91,"end":832.38},{"sentences":[{"text":"Just spreading it out across different regions, which encompass different companies and different industries there as well as opposed to being a little bit more industry specific with a few of those investments.","start":832.38,"end":841.51996,"sentiment":"neutral","sentiment_score":0.27667936411770905},{"text":"In addition to that one there, you'll still have a nice core portion in a composite bond there, which is like a fixed interest, which is a defensive portion there as well.","start":842.495,"end":851.935,"sentiment":"positive","sentiment_score":0.3351872581988573},{"text":"So in those market downturns with the interest rate that does go up, they generally perform a little bit better as well.","start":851.935,"end":858.29004,"sentiment":"neutral","sentiment_score":0.1494301896203648},{"text":"Now as far as the asset allocation, currently around sort of the $70.30 mark in terms of growth versus defensive assets.","start":863.07,"end":869.29504,"sentiment":"neutral","sentiment_score":0.09866937232159433},{"text":"With the the upgraded portfolio there, it will be around 75% growth, around 24% defensive, which is a little bit more allocation of growth asset.","start":869.29504,"end":877.715,"sentiment":"neutral","sentiment_score":0.21875483214855193}],"sentiment":"neutral","sentiment_score":0.23071280505536193,"num_words":133,"start":832.38,"end":877.715},{"sentences":[{"text":"But what it means is you're reducing your manager risk with that one.","start":878.015,"end":883.77,"sentiment":"neutral","sentiment_score":0.13995526272516984},{"text":"So you'll have slightly more growth assets, but also slightly less manager risk.","start":884.15,"end":888.15,"sentiment":"neutral","sentiment_score":0.30645686044142795},{"text":"And then you'll also have that at a bit of a cheaper cost, which will hopefully set you up to still get some nice returns there moving forward without having to carry that additional management risk of those managed portfolios and that active management costs.","start":888.15,"end":901.625,"sentiment":"positive","sentiment_score":0.390755536655585},{"text":"On page 16, you'll be able to see a table of that and an illustration of what the cost difference will be.","start":905.365,"end":911.22,"sentiment":"neutral","sentiment_score":0.03689478557895531},{"text":"So there is the balance there currently minus the the CDT that would be liable to the account.","start":911.22,"end":921.56,"sentiment":"neutral","sentiment_score":-0.11409572594695622}],"sentiment":"neutral","sentiment_score":0.1995073780753054,"num_words":111,"start":878.015,"end":921.56},{"sentences":[{"text":"And then with that, with the change, the investment fee drops quite considerably down $258.","start":922.245,"end":928.005,"sentiment":"neutral","sentiment_score":0.02351640419413646},{"text":"So that's money you're guaranteed to be saving each year in terms of, like, the the fee you'll be paying for your investment costs.","start":928.005,"end":934.825,"sentiment":"positive","sentiment_score":0.5369344688951969},{"text":"So you'll retain that capital gains in a couple of years just based on those savings alone, and then that continues after that just to going into your investments and getting investment returns.","start":935.125,"end":945.69,"sentiment":"positive","sentiment_score":0.6210778951644897},{"text":"And as far as the adviser fee, the the current is just based on your current balance versus the 1.1% because it's a coupled fee versus the recommended it takes into account a year's worth of growth, which is why it's considered to be a little bit higher.","start":946.07,"end":959.535,"sentiment":"neutral","sentiment_score":0.16890166544665894},{"text":"It's just like an over disclosure that if it was to perform at the the five year rolling average mark, that's what it would look like.","start":959.535,"end":966.35,"sentiment":"neutral","sentiment_score":0.17246082167212778}],"sentiment":"neutral","sentiment_score":0.31730140521739647,"num_words":146,"start":922.245,"end":966.35},{"sentences":[{"text":"Obviously, in terms of, like, the market and what is happening, there's no sort of replication that the next five years will be the same as the last five years.","start":966.35,"end":975.225,"sentiment":"neutral","sentiment_score":0.000010980044802029928},{"text":"It just gives you a bit of an illustration there, but you'll at least be saving on those investment fees.","start":975.305,"end":980.985,"sentiment":"neutral","sentiment_score":0.2983703583478928},{"text":"And although the performance is slightly less, you also carry less major risk.","start":980.985,"end":985.40497,"sentiment":"neutral","sentiment_score":-0.09141502414758389},{"text":"It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well.","start":985.46497,"end":1001.505,"sentiment":"neutral","sentiment_score":0.31202998154975},{"text":"And then sort of, you know, if you were to stay in your current fund and it did perform and continue to perform, happy days, but you're also carrying a lot more risk being that sort of less diversified fund versus if you go into this more diversified sort of fund a little bit more spread out in terms of, like, the areas which you encompass there.","start":1001.665,"end":1019.68,"sentiment":"neutral","sentiment_score":-0.1255025322090334}],"sentiment":"neutral","sentiment_score":0.06235073858314315,"num_words":177,"start":966.35,"end":1019.68},{"sentences":[{"text":"It might perform slightly less in saying that, but it also might still perform slightly more because no one knows what the markets are gonna do.","start":1019.68,"end":1027.12,"sentiment":"neutral","sentiment_score":-0.0993544370509111},{"text":"But the guarantee is you'll be saving money.","start":1027.12,"end":1029.38,"sentiment":"neutral","sentiment_score":0.29734600614756346},{"text":"You'll be having a lot more diversification in terms of, like, regions and then also industry and a lot less, yeah, concentration in those two funds that are getting the majority of that growth out of your current fund, if that makes sense.","start":1029.885,"end":1044.7001,"sentiment":"neutral","sentiment_score":0.22325144872762437},{"text":"Do you have any questions in regards to that at all there, Julie?","start":1044.7001,"end":1047.28,"sentiment":"neutral","sentiment_score":0.023344391527084205},{"text":"Don't care too much.","start":1052.86,"end":1053.9801,"sentiment":"neutral","sentiment_score":-0.31297874450683594}],"sentiment":"neutral","sentiment_score":0.08986092652095125,"num_words":94,"start":1019.68,"end":1053.9801},{"sentences":[{"text":"Yep.","start":1053.9801,"end":1054.4801,"sentiment":"neutral","sentiment_score":-0.05532344803214073},{"text":"No.","start":1055.0651,"end":1055.305,"sentiment":"neutral","sentiment_score":-0.12115046381950378},{"text":"Completely understandable.","start":1055.305,"end":1056.365,"sentiment":"neutral","sentiment_score":-0.03422187827527523},{"text":"As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more than fine.","start":1056.745,"end":1062.605,"sentiment":"neutral","sentiment_score":0.008525725859014885},{"text":"Yeah.","start":1063.625,"end":1064.125,"sentiment":"neutral","sentiment_score":0.1909169554710388}],"sentiment":"neutral","sentiment_score":0.005074677922363791,"num_words":28,"start":1053.9801,"end":1064.125},{"sentences":[{"text":"Perfect.","start":1077.16,"end":1077.66,"sentiment":"neutral","sentiment_score":0.22216194868087769},{"text":"Yeah.","start":1079.5751,"end":1079.9751,"sentiment":"neutral","sentiment_score":0.1862996518611908},{"text":"So with that, a lot of the core of your portfolio will stay the same.","start":1079.9751,"end":1083.3351,"sentiment":"neutral","sentiment_score":0.2381584256887436},{"text":"It'll get rid of those underperformers.","start":1083.3351,"end":1084.555,"sentiment":"neutral","sentiment_score":0.056398196456333004},{"text":"It's just those key sort of holdings that you do that are performing quite well.","start":1085.015,"end":1088.535,"sentiment":"neutral","sentiment_score":0.24606746037801105}],"sentiment":"neutral","sentiment_score":0.2107957650074049,"num_words":38,"start":1077.16,"end":1088.535},{"sentences":[{"text":"You won't just have those moving forward, but that's not a bad thing in the sense that they've had, like, a nice bit of growth now.","start":1088.535,"end":1093.4951,"sentiment":"positive","sentiment_score":0.3403798731473776},{"text":"So, you know, taking a bit of that gain now and then holding that versus if it was to take a bit of a dip and then having to wait for that to recover isn't a bad thing either.","start":1093.4951,"end":1103.13,"sentiment":"neutral","sentiment_score":0.25627417862415314},{"text":"As far as the rest of the document there as well, given that your beneficiary nomination is up to date there with your partner there, Keith, that's fine.","start":1104.71,"end":1111.435,"sentiment":"neutral","sentiment_score":0.21301999262401036},{"text":"As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that.","start":1111.495,"end":1126.53,"sentiment":"neutral","sentiment_score":0.21877749432932656},{"text":"It really makes things a lot easier.","start":1126.59,"end":1128.37,"sentiment":"positive","sentiment_score":0.46292809929166523}],"sentiment":"neutral","sentiment_score":0.2591165578832813,"num_words":153,"start":1088.535,"end":1128.37},{"sentences":[{"text":"One of the the important things with the switch with the markets being so volatile at the moment, there is just an importance to note that the assets that have to get sold down and then transferred or, you know, across, it just means that the time out of the market, it can fluctuate a lot more given what is happening at the moment.","start":1130.19,"end":1146.4149,"sentiment":"neutral","sentiment_score":-0.037640332273440436},{"text":"But given that it's all sort of down at the moment, buying low and but selling low and buying low isn't the the worst thing.","start":1146.4149,"end":1152.59,"sentiment":"negative","sentiment_score":-0.37544166564941406},{"text":"It's if it sort of recovered significantly in that time, which the likelihood that it sort of bounces back considerably is, like, still quite slim.","start":1152.59,"end":1160.99,"sentiment":"negative","sentiment_score":-0.596502035856247},{"text":"It's just sort of at the moment with those ups and downs, you don't really know.","start":1160.99,"end":1164.165,"sentiment":"negative","sentiment_score":-0.35164796747267246},{"text":"That's just something to be aware of with that risk.","start":1164.645,"end":1166.7251,"sentiment":"negative","sentiment_score":-0.39114113450050353}],"sentiment":"neutral","sentiment_score":-0.2588953759122108,"num_words":140,"start":1130.19,"end":1166.7251},{"sentences":[{"text":"But in terms of, like, a total cost loss or anything like that, it could go either way where if it drops more considerably in that time while you're in cash, you might actually buy at a little bit of a lower cost base.","start":1166.7251,"end":1177.2051,"sentiment":"neutral","sentiment_score":-0.23068391514772718},{"text":"But if it goes up slightly, you might buy at a bit of a higher cost base.","start":1177.2051,"end":1180.12,"sentiment":"neutral","sentiment_score":-0.263204466770677},{"text":"It's just something to be aware of as well.","start":1180.12,"end":1182.14,"sentiment":"neutral","sentiment_score":-0.16995713611443838},{"text":"And then as far as the will and power of attorney is considered, obviously, I could go through it a little bit more in-depth.","start":1185.72,"end":1191.72,"sentiment":"neutral","sentiment_score":0.01146072781799982},{"text":"But do you have many questions in regards to setting up a will or power of attorney or anything that, Julie?","start":1191.72,"end":1198.935,"sentiment":"neutral","sentiment_score":-0.010085167097193856}],"sentiment":"neutral","sentiment_score":-0.13992098667861327,"num_words":115,"start":1166.7251,"end":1198.935},{"sentences":[{"text":"Happy just to, like yeah.","start":1199.235,"end":1201.255,"sentiment":"neutral","sentiment_score":-0.2339841604232788},{"text":"Yeah.","start":1223.185,"end":1223.685,"sentiment":"neutral","sentiment_score":-0.011098762974143028},{"text":"Now it is Yeah.","start":1224.145,"end":1236.18,"sentiment":"neutral","sentiment_score":0.02905711205676198},{"text":"Obviously, there is the option to do a potential, like, post office rules and things like that.","start":1236.2401,"end":1240.0,"sentiment":"neutral","sentiment_score":-0.0009492751868332134},{"text":"But given that it might be sort of, you know, better to get it all in the one document from a solicitor, those post office rules can be a little bit janky in the sense that if it sort of you fill out one section wrong, it might not be valid and things like that.","start":1240.0,"end":1252.255,"sentiment":"neutral","sentiment_score":-0.23392250768162987}],"sentiment":"neutral","sentiment_score":-0.17008130143328412,"num_words":82,"start":1199.235,"end":1252.255},{"sentences":[{"text":"Whereas if you go to professional, at least you have the, you know, the peace of mind that it's done correctly.","start":1252.255,"end":1257.715,"sentiment":"neutral","sentiment_score":0.17764785236102484},{"text":"And then it it's sort of done.","start":1258.59,"end":1260.37,"sentiment":"neutral","sentiment_score":0.07510189339518547},{"text":"Yeah.","start":1262.27,"end":1262.6699,"sentiment":"positive","sentiment_score":0.46476319432258606},{"text":"Perfect.","start":1262.6699,"end":1263.1699,"sentiment":"positive","sentiment_score":0.6610498428344727},{"text":"But as far as the the next sort of steps, obviously, the remuneration side of thing is still the 1.1%.","start":1264.91,"end":1270.35,"sentiment":"neutral","sentiment_score":0.09910347033292055}],"sentiment":"neutral","sentiment_score":0.1472840119432658,"num_words":50,"start":1252.255,"end":1270.35},{"sentences":[{"text":"So it's around $995 for the the service in terms of, like, what paying versus the service you do get.","start":1270.35,"end":1276.5951,"sentiment":"neutral","sentiment_score":0.055579053796827795},{"text":"With that being the percentage base, obviously, that's based on your balance and the growth.","start":1276.7351,"end":1280.8151,"sentiment":"neutral","sentiment_score":0.058731556435426074},{"text":"But if it was to sort of the walk continue and you had a bit of a low year with everything that's going on, it just means that the fee doesn't grow with that.","start":1280.8151,"end":1288.415,"sentiment":"neutral","sentiment_score":0.0016923986156197155},{"text":"It only grows when the balance grows.","start":1288.415,"end":1291.37,"sentiment":"neutral","sentiment_score":-0.002919320815375873},{"text":"But in saying that, do you have any questions in regards to remuneration on the feed all there, Julie?","start":1291.43,"end":1296.49,"sentiment":"neutral","sentiment_score":0.034014073739710604}],"sentiment":"neutral","sentiment_score":0.02816766453416724,"num_words":95,"start":1270.35,"end":1296.49},{"sentences":[{"text":"Yep.","start":1298.4701,"end":1298.9701,"sentiment":"neutral","sentiment_score":0.0807960107922554},{"text":"No problem.","start":1299.11,"end":1299.93,"sentiment":"neutral","sentiment_score":0.2495497688651085},{"text":"As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you.","start":1300.79,"end":1311.725,"sentiment":"neutral","sentiment_score":0.2528495434291509},{"text":"As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you.","start":1311.725,"end":1317.245,"sentiment":"neutral","sentiment_score":0.11109279601701669},{"text":"Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney.","start":1317.245,"end":1322.04,"sentiment":"neutral","sentiment_score":0.12357027331988017}],"sentiment":"neutral","sentiment_score":0.1849019525222259,"num_words":101,"start":1298.4701,"end":1322.04},{"sentences":[{"text":"We obviously just put in the documents.","start":1322.1,"end":1323.38,"sentiment":"neutral","sentiment_score":0.11297471821308136},{"text":"We do recommend to get it done, which obviously you're on board with.","start":1323.38,"end":1326.1,"sentiment":"neutral","sentiment_score":0.3209992738870474},{"text":"We just obviously can't write them up, unfortunately.","start":1326.1,"end":1328.28,"sentiment":"neutral","sentiment_score":-0.0683321338146925},{"text":"But in regards to the document there at all, Julie, do you have any questions about anything that I've covered, anything I haven't covered that you wanna have a chat about?","start":1329.38,"end":1337.9551,"sentiment":"neutral","sentiment_score":0.025796481378136144},{"text":"Or Yeah.","start":1337.9551,"end":1348.63,"sentiment":"neutral","sentiment_score":0.09447884187102318}],"sentiment":"neutral","sentiment_score":0.0886197561306543,"num_words":61,"start":1322.1,"end":1348.63},{"sentences":[{"text":"Not a problem.","start":1352.13,"end":1352.9501,"sentiment":"neutral","sentiment_score":0.24866690735022226},{"text":"And then, Keith, I know you're there in the background too.","start":1354.385,"end":1356.9451,"sentiment":"neutral","sentiment_score":0.07408937507055023},{"text":"Do you have any questions in regards to that at all?","start":1356.9451,"end":1359.285,"sentiment":"neutral","sentiment_score":0.06284666603261774},{"text":"Yeah.","start":1365.265,"end":1365.765,"sentiment":"neutral","sentiment_score":-0.014246456325054169},{"text":"Exactly.","start":1368.88,"end":1369.36,"sentiment":"neutral","sentiment_score":-0.0074414825066924095}],"sentiment":"neutral","sentiment_score":0.08261515686495437,"num_words":27,"start":1352.13,"end":1369.36},{"sentences":[{"text":"The the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward.","start":1369.36,"end":1379.2999,"sentiment":"neutral","sentiment_score":-0.29553620879714554},{"text":"And that's to just have a little bit more guarantee that, you know, you do have that diversification.","start":1380.0,"end":1385.035,"sentiment":"neutral","sentiment_score":0.11075284652825859},{"text":"You do have those funds which have historically performed well.","start":1385.255,"end":1389.255,"sentiment":"neutral","sentiment_score":0.19646656587719918},{"text":"You obviously don't have the upside of potentially outperforming the market, but if you get to 60, you wanna draw down some of your funds and, you know, your two top performance in those managed funds have a bad year like Benelon, it can really sort of hurt your superannuation sort of at a year when you probably wanna look at drawing down, not waiting another three years for it to recover, if that makes sense.","start":1389.255,"end":1407.165,"sentiment":"negative","sentiment_score":-0.4764909894254647},{"text":"Yeah.","start":1430.06,"end":1430.38,"sentiment":"neutral","sentiment_score":-0.1923350691795349}],"sentiment":"neutral","sentiment_score":-0.3055089654558351,"num_words":142,"start":1369.36,"end":1430.38},{"sentences":[{"text":"And then that's what to say that ClearBridge and lithium tech might not still perform moving forward.","start":1430.38,"end":1436.065,"sentiment":"neutral","sentiment_score":-0.20302046747768626},{"text":"It's to say that they're just a little bit more volatile in terms of being so industry specific that if they have a bad year, it can really sort of hurt your portfolio where the the updated portfolio is a little bit more diversified.","start":1436.065,"end":1448.245,"sentiment":"neutral","sentiment_score":-0.29466624126176943},{"text":"And you still have a bit of cyber security in there as well, which is another bit of a satellite, but it's sort of, you know, a little bit less industry specific.","start":1448.305,"end":1456.76,"sentiment":"neutral","sentiment_score":-0.09076592570636421},{"text":"And, you know, cyber security is a bit of a global thing, whereas sort of rare infrastructure can be a little bit more specific.","start":1456.76,"end":1464.215,"sentiment":"neutral","sentiment_score":-0.13616801891475916},{"text":"And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well.","start":1464.215,"end":1473.595,"sentiment":"neutral","sentiment_score":-0.12542230867453524}],"sentiment":"neutral","sentiment_score":-0.1768170783126896,"num_words":154,"start":1430.38,"end":1473.595},{"sentences":[{"text":"Yeah.","start":1482.3099,"end":1482.8099,"sentiment":"neutral","sentiment_score":0.023338139057159424},{"text":"Exactly.","start":1484.5499,"end":1485.03,"sentiment":"neutral","sentiment_score":0.0646531879901886},{"text":"So you still have a similar amount of in investments.","start":1485.03,"end":1487.53,"sentiment":"neutral","sentiment_score":0.05384825132787228},{"text":"It'll just be, like, spread across some different funds that are a little bit more diversified with what their holdings are because they're just regions.","start":1487.59,"end":1496.245,"sentiment":"neutral","sentiment_score":0.08239095777273178},{"text":"And then within those regions, you have different companies that sort of fall into that as well.","start":1496.245,"end":1500.005,"sentiment":"neutral","sentiment_score":0.04656180081998601}],"sentiment":"neutral","sentiment_score":0.06440367404785421,"num_words":54,"start":1482.3099,"end":1500.005},{"sentences":[{"text":"So you still may carry some of that you know, exposure.","start":1500.005,"end":1503.0,"sentiment":"neutral","sentiment_score":-0.014546441422267393},{"text":"It just won't be as direct and specific to those areas.","start":1503.0599,"end":1506.28,"sentiment":"neutral","sentiment_score":-0.06356071562252262},{"text":"But if wait.","start":1509.46,"end":1511.38,"sentiment":"neutral","sentiment_score":0.010114217177033424},{"text":"Sorry?","start":1511.38,"end":1511.88,"sentiment":"neutral","sentiment_score":-0.01011357456445694},{"text":"Yes.","start":1519.555,"end":1519.875,"sentiment":"neutral","sentiment_score":0.10089752078056335}],"sentiment":"neutral","sentiment_score":-0.027335264064647532,"num_words":27,"start":1500.005,"end":1519.875},{"sentences":[{"text":"You'll have it the key holding there will be, yeah, S and P 500 still.","start":1519.875,"end":1524.035,"sentiment":"neutral","sentiment_score":0.1009356732169787},{"text":"It's around 24%, 25 in the top 500 companies in America.","start":1524.035,"end":1528.375,"sentiment":"neutral","sentiment_score":0.1270236616784876},{"text":"You'll have about 20% in the top 200 companies in Australia.","start":1528.675,"end":1532.4299,"sentiment":"neutral","sentiment_score":0.14350307597355408},{"text":"And as the, obviously, companies rise and fall, that does sort of change and keep pace with that.","start":1532.8099,"end":1537.29,"sentiment":"neutral","sentiment_score":0.07135596685111523},{"text":"That's why it's an index, and it's sort of dynamic in that sense.","start":1537.29,"end":1540.11,"sentiment":"neutral","sentiment_score":0.17283867127620256}],"sentiment":"neutral","sentiment_score":0.11795793150496833,"num_words":68,"start":1519.875,"end":1540.11},{"sentences":[{"text":"And then you'll have exposure across a bit in about 7% Europe, about 3% Japan, and about 7% all world excluding The US just because you have such a high holding in the the S and P 500.","start":1540.17,"end":1554.685,"sentiment":"neutral","sentiment_score":0.06842168851902611},{"text":"So it gives you a bit of exposure across the whole world minus that exposure, which is nice.","start":1554.685,"end":1559.58,"sentiment":"neutral","sentiment_score":0.18451802308360735},{"text":"And then you'll also have the the composite bond, which is the defensive portion there as well as some physical gold, which has been an alternative.","start":1559.8799,"end":1567.1799,"sentiment":"neutral","sentiment_score":0.15662627609876487},{"text":"It can be considered a bit more growth at the moment, but still somewhat defensive.","start":1567.24,"end":1570.7799,"sentiment":"neutral","sentiment_score":0.08844390561183293},{"text":"And then the cybersecurity, which is about 4%, which cybersecurity is a bit of a global thing at the moment anyway, and I don't see it going anywhere anytime soon.","start":1571.275,"end":1579.455,"sentiment":"neutral","sentiment_score":-0.07893303943177064}],"sentiment":"neutral","sentiment_score":0.07049054455921405,"num_words":127,"start":1540.17,"end":1579.455},{"sentences":[{"text":"Feel free to have a a look through it, guys, come back with any questions you might have.","start":1583.91,"end":1587.6901,"sentiment":"neutral","sentiment_score":0.2677578437659476},{"text":"Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys.","start":1588.0701,"end":1596.8049,"sentiment":"positive","sentiment_score":0.43038775899061343},{"text":"And if you just wanna respond to that with any questions you have, we'll get pulled back in.","start":1596.8049,"end":1600.005,"sentiment":"neutral","sentiment_score":0.20679131398598352},{"text":"Just call up one of the team.","start":1600.005,"end":1601.365,"sentiment":"neutral","sentiment_score":0.19440160265990666},{"text":"We'll get you scheduled in.","start":1601.365,"end":1602.325,"sentiment":"neutral","sentiment_score":0.27532489895820617}],"sentiment":"neutral","sentiment_score":0.32500245698382346,"num_words":89,"start":1583.91,"end":1602.325},{"sentences":[{"text":"That's not a problem at all.","start":1602.325,"end":1603.625,"sentiment":"positive","sentiment_score":0.48561209936936695},{"text":"No problem, guys.","start":1606.1749,"end":1606.735,"sentiment":"positive","sentiment_score":0.5466394623120626},{"text":"Well, thanks for your time this afternoon.","start":1606.735,"end":1608.1749,"sentiment":"positive","sentiment_score":0.7223291226795742},{"text":"I'll let you get back to it, and you can enjoy the rest of the hour.","start":1608.1749,"end":1610.5149,"sentiment":"positive","sentiment_score":0.6262350231409073},{"text":"Thanks, guys.","start":1612.575,"end":1613.2949,"sentiment":"positive","sentiment_score":0.6529440879821777}],"sentiment":"positive","sentiment_score":0.61575127612142,"num_words":34,"start":1602.325,"end":1613.2949},{"sentences":[{"text":"Bye.","start":1613.2949,"end":1613.7949,"sentiment":"positive","sentiment_score":0.3989807367324829}],"sentiment":"positive","sentiment_score":0.3989807367324829,"num_words":1,"start":1613.2949,"end":1613.7949}]}}]},{"alternatives":[{"transcript":"Good. Thank you, Carl. Yeah. Sorry, mate. I was just running late from work, and I was in the shower. No. No. You're fine now. Still working? No. It's about four days a week I'm working. Well, I've been off for five weeks, so and I've been listening to that. Because I yeah. Holiday. No. No. Yep. Yep. Mhmm. Yes. Yep. So Keith had it. I've got a new phone, so I've gotta ask my hubby how I look at my email for you on the phone. Oh, no. I just Just got emails there now. I don't have I'm at the top. Well, we got emails for but maybe put them on page. Yeah. Okay. I got it there now. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yeah. I've yet to get that done. We've been calling about for, like, six months, but you know? Yep. Yep. That'd be good. Mhmm. Mhmm. Mhmm. Yep. So how big of a dip did it take? It was taking a dip. It's all where it's gone. Wolf inches will jump out. Yeah. Yep. Next. Next. Yeah. Yeah. Yep. That's why I pay you guys. I don't understand any of it. So it's entirely entirely in your hands to do the right move for me, I guess. Yep. Yep. Yeah. Mike's Door Defense. Yep. Yep. Sounds good. Yeah. Yep. Yep. Yep. Yeah. Yeah. Mhmm. Yeah. Nope. No. I Yep. Yep. Yeah. Yep. No. As I said, I don't really understand at all. As long as you're making me money, I don't care. Yeah. I understand that. And that's that's what I said. That's why I trust you guys. You've done really well for us. And, yeah, I trust everything that you tell me to do. And that's why I tell you to do whatever you think. You need to move it. Move it. Yeah. Mhmm. Mhmm. No. I don't. Not really. I yeah. We have a will, but it's, like, 30 years old. A lot. So, yeah, we have to oh, it's 33 years old, actually. 32, something like that. And we're well aware that we need to update it and whatever. So it's just a matter matter of getting to phone or somewhere to Yes. Voice enough and getting it done. Yeah. Yeah. And that's what we'll do. We'll guide to a solicitor. Yep. No. No. Yes. Yep. No. I'm pretty good. You're pretty good, honey. Yeah. Yeah. Yeah. I'll he'll sit down and read it all once I get off the phone. And and if he's happy with it, I'll just sign it. Right. No. It's pretty common sense. I just changed in some portfolios and changing risks and that, but, yeah, pretty straightforward. Yeah. Yes. Yeah. Well, that's the only that's only talk about Ben along in that because of the the way it's heading. Like, everybody's, like, stepping away from it. So it's like it's probably a good thing for the industry when everybody's saying, like, well, everybody's step away for a minute, and, yeah, we're changing our investments because it's not really good for the future. So Yes. Yep. That's fine. I don't know. Pretty much. Like, since in the end, I It's spreading the loose care a bit. To rectify and so Yep. Yep. Yep. Yeah. Exactly. Basically, it just spreads it out over different zones as well. Is that correct? Like, from Australia to Europe and Asia and USA or something. Is that correct? Yep. Yes. Yep. That's correct. Yeah. Yep. Okay. That'll be great. Thank you. Okay. Thanks very much. Okay. 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Thank you, Carl. Yeah. Sorry, mate. I was just running late from work, and I was in the shower.\n\nNo. No. You're fine now. Still working? No.\n\nIt's about four days a week I'm working. Well, I've been off for five weeks, so and I've been listening to that. Because I yeah. Holiday. No.\n\nNo. Yep. Yep. Mhmm. Yes.\n\nYep. So Keith had it. I've got a new phone, so I've gotta ask my hubby how I look at my email for you on the phone. Oh, no. I just Just got emails there now.\n\nI don't have I'm at the top. Well, we got emails for but maybe put them on page. Yeah. Okay. I got it there now.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. Yeah. I've yet to get that done.\n\nWe've been calling about for, like, six months, but you know? Yep. Yep. That'd be good. Mhmm.\n\nMhmm. Mhmm. Yep. So how big of a dip did it take? It was taking a dip.\n\nIt's all where it's gone. Wolf inches will jump out. Yeah. Yep. Next.\n\nNext. Yeah. Yeah. Yep. That's why I pay you guys.\n\nI don't understand any of it. So it's entirely entirely in your hands to do the right move for me, I guess. Yep. Yep. Yeah.\n\nMike's Door Defense. Yep. Yep. Sounds good. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nMhmm. Yeah. Nope. No. I Yep.\n\nYep. Yeah. Yep. No. As I said, I don't really understand at all.\n\nAs long as you're making me money, I don't care. Yeah. I understand that. And that's that's what I said. That's why I trust you guys.\n\nYou've done really well for us. And, yeah, I trust everything that you tell me to do. And that's why I tell you to do whatever you think. You need to move it. Move it.\n\nYeah. Mhmm. Mhmm. No. I don't.\n\nNot really. I yeah. We have a will, but it's, like, 30 years old. A lot. So, yeah, we have to oh, it's 33 years old, actually.\n\n32, something like that. And we're well aware that we need to update it and whatever. So it's just a matter matter of getting to phone or somewhere to Yes. Voice enough and getting it done. Yeah.\n\nYeah. And that's what we'll do. We'll guide to a solicitor. Yep. No.\n\nNo. Yes. Yep. No. I'm pretty good.\n\nYou're pretty good, honey. Yeah. Yeah. Yeah. I'll he'll sit down and read it all once I get off the phone.\n\nAnd and if he's happy with it, I'll just sign it. Right. No. It's pretty common sense. I just changed in some portfolios and changing risks and that, but, yeah, pretty straightforward.\n\nYeah. Yes. Yeah. Well, that's the only that's only talk about Ben along in that because of the the way it's heading. Like, everybody's, like, stepping away from it.\n\nSo it's like it's probably a good thing for the industry when everybody's saying, like, well, everybody's step away for a minute, and, yeah, we're changing our investments because it's not really good for the future. So Yes. Yep. That's fine. I don't know.\n\nPretty much. Like, since in the end, I It's spreading the loose care a bit. To rectify and so Yep. Yep. Yep.\n\nYeah. Exactly. Basically, it just spreads it out over different zones as well. Is that correct? Like, from Australia to Europe and Asia and USA or something.\n\nIs that correct? Yep. Yes. Yep. That's correct.\n\nYeah. Yep. Okay. That'll be great. Thank you.\n\nOkay. Thanks very much. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":5.6,"end":5.8399997,"sentiment":"positive","sentiment_score":0.6500258445739746},{"text":"Thank you, Carl.","start":5.8399997,"end":6.74,"sentiment":"positive","sentiment_score":0.7234198649724325},{"text":"Yeah.","start":16.575,"end":16.815,"sentiment":"neutral","sentiment_score":0.011965744197368622},{"text":"Sorry, mate.","start":16.815,"end":17.375,"sentiment":"neutral","sentiment_score":-0.12187573313713074},{"text":"I was just running late from work, and I was in the shower.","start":17.375,"end":20.115,"sentiment":"neutral","sentiment_score":-0.2550664532643098}],"sentiment":"neutral","sentiment_score":-0.03636820875108242,"num_words":20,"start":5.6,"end":20.115},{"sentences":[{"text":"No.","start":27.24,"end":27.4,"sentiment":"neutral","sentiment_score":-0.04408334195613861},{"text":"No.","start":27.4,"end":27.48,"sentiment":"neutral","sentiment_score":-0.022703511640429497},{"text":"You're fine 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good.","start":341.335,"end":342.155,"sentiment":"positive","sentiment_score":0.637832244237264},{"text":"Mhmm.","start":357.27,"end":357.77,"sentiment":"neutral","sentiment_score":0.0814535990357399}],"sentiment":"neutral","sentiment_score":0.10163489926387281,"num_words":17,"start":314.365,"end":357.77},{"sentences":[{"text":"Mhmm.","start":387.22,"end":387.72,"sentiment":"neutral","sentiment_score":0.09399892389774324},{"text":"Mhmm.","start":417.33002,"end":417.795,"sentiment":"neutral","sentiment_score":0.13048352301120758},{"text":"Yep.","start":438.29,"end":438.69,"sentiment":"neutral","sentiment_score":0.04632876068353653},{"text":"So how big of a dip did it take?","start":438.69,"end":440.87,"sentiment":"neutral","sentiment_score":-0.0463539713786708},{"text":"It was taking a dip.","start":451.185,"end":452.565,"sentiment":"neutral","sentiment_score":-0.1534617394208908}],"sentiment":"neutral","sentiment_score":-0.05374607246588258,"num_words":17,"start":387.22,"end":452.565},{"sentences":[{"text":"It's all where it's gone.","start":453.185,"end":454.325,"sentiment":"negative","sentiment_score":-0.33740959167480467},{"text":"Wolf inches will jump out.","start":455.265,"end":464.04,"sentiment":"neutral","sentiment_score":-0.1985987413674593},{"text":"Yeah.","start":489.43,"end":489.93,"sentiment":"positive","sentiment_score":0.37612050771713257},{"text":"Yep.","start":505.44498,"end":505.71,"sentiment":"neutral","sentiment_score":0.12181901931762695},{"text":"Next.","start":505.71,"end":506.21,"sentiment":"neutral","sentiment_score":0.08123163878917694}],"sentiment":"neutral","sentiment_score":-0.16160542302979872,"num_words":13,"start":453.185,"end":506.21},{"sentences":[{"text":"Next.","start":511.71747,"end":512.21747,"sentiment":"neutral","sentiment_score":0.07015113532543182},{"text":"Yeah.","start":531.08496,"end":531.45,"sentiment":"neutral","sentiment_score":0.20088887214660645},{"text":"Yeah.","start":543.85004,"end":544.215,"sentiment":"neutral","sentiment_score":0.2025078237056732},{"text":"Yep.","start":602.785,"end":603.285,"sentiment":"neutral","sentiment_score":-0.05844539403915405},{"text":"That's why I pay you guys.","start":607.24,"end":608.7,"sentiment":"neutral","sentiment_score":-0.1754266694188118}],"sentiment":"neutral","sentiment_score":-0.06374575793743134,"num_words":10,"start":511.71747,"end":608.7},{"sentences":[{"text":"I don't understand any of it.","start":609.24,"end":610.92004,"sentiment":"neutral","sentiment_score":-0.2837753842274348},{"text":"So it's entirely entirely in your hands to do the right move for me, I guess.","start":610.92004,"end":616.94,"sentiment":"neutral","sentiment_score":-0.01666417415253818},{"text":"Yep.","start":639.77,"end":640.27,"sentiment":"neutral","sentiment_score":-0.007410380989313126},{"text":"Yep.","start":658.345,"end":658.845,"sentiment":"neutral","sentiment_score":-0.07814358174800873},{"text":"Yeah.","start":660.11,"end":660.51,"sentiment":"neutral","sentiment_score":0.035281069576740265}],"sentiment":"neutral","sentiment_score":-0.08078207939863205,"num_words":25,"start":609.24,"end":660.51},{"sentences":[{"text":"Mike's Door Defense.","start":660.51,"end":662.53,"sentiment":"neutral","sentiment_score":0.061066883305708565},{"text":"Yep.","start":674.11,"end":674.61,"sentiment":"neutral","sentiment_score":0.021543379873037335},{"text":"Yep.","start":699.14996,"end":699.64996,"sentiment":"positive","sentiment_score":0.3625890910625458},{"text":"Sounds 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Yep.","start":911.23,"end":941.485,"sentiment":"neutral","sentiment_score":0.19956166297197342}],"sentiment":"neutral","sentiment_score":0.08530425611146104,"num_words":6,"start":859.12,"end":941.485},{"sentences":[{"text":"Yep.","start":975.82996,"end":976.32996,"sentiment":"neutral","sentiment_score":0.3097991943359375},{"text":"Yeah.","start":1012.35504,"end":1012.85504,"sentiment":"neutral","sentiment_score":-0.1068907082080841},{"text":"Yep.","start":1042.015,"end":1042.515,"sentiment":"neutral","sentiment_score":0.26797375082969666},{"text":"No.","start":1047.66,"end":1047.8201,"sentiment":"neutral","sentiment_score":-0.2105027437210083},{"text":"As I said, I don't really understand at all.","start":1047.8201,"end":1050.06,"sentiment":"neutral","sentiment_score":-0.2996182259586122}],"sentiment":"neutral","sentiment_score":-0.18739881079930526,"num_words":13,"start":975.82996,"end":1050.06},{"sentences":[{"text":"As long as you're making me money, I don't care.","start":1050.06,"end":1052.24,"sentiment":"negative","sentiment_score":-0.35816530138254166},{"text":"Yeah.","start":1061.74,"end":1062.06,"sentiment":"neutral","sentiment_score":0.05023318529129028},{"text":"I understand that.","start":1062.06,"end":1063.215,"sentiment":"neutral","sentiment_score":0.09112981955210368},{"text":"And that's that's what I said.","start":1063.375,"end":1064.6549,"sentiment":"neutral","sentiment_score":0.1773295228679975},{"text":"That's why I trust you guys.","start":1064.6549,"end":1066.4149,"sentiment":"positive","sentiment_score":0.545082246263822}],"sentiment":"neutral","sentiment_score":0.04140154788127312,"num_words":26,"start":1050.06,"end":1066.4149},{"sentences":[{"text":"You've done really well for us.","start":1066.4149,"end":1068.735,"sentiment":"positive","sentiment_score":0.8122160335381826},{"text":"And, yeah, I trust everything that you tell me to do.","start":1068.735,"end":1072.895,"sentiment":"positive","sentiment_score":0.6433647871017456},{"text":"And that's why I tell you to do whatever you think.","start":1072.895,"end":1076.195,"sentiment":"positive","sentiment_score":0.38167390769178217},{"text":"You need to move it.","start":1076.735,"end":1077.695,"sentiment":"neutral","sentiment_score":0.20920549929142},{"text":"Move 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really.","start":1199.095,"end":1199.815,"sentiment":"negative","sentiment_score":-0.4419642984867096},{"text":"I yeah.","start":1199.815,"end":1202.875,"sentiment":"neutral","sentiment_score":-0.17401128262281418},{"text":"We have a will, but it's, like, 30 years old.","start":1203.42,"end":1207.76,"sentiment":"neutral","sentiment_score":-0.13253312706947326},{"text":"A lot.","start":1208.4601,"end":1209.1001,"sentiment":"neutral","sentiment_score":-0.14569499343633652},{"text":"So, yeah, we have to oh, it's 33 years old, actually.","start":1209.1001,"end":1213.2001,"sentiment":"neutral","sentiment_score":-0.12292854352430864}],"sentiment":"neutral","sentiment_score":-0.155588385131624,"num_words":27,"start":1199.095,"end":1213.2001},{"sentences":[{"text":"32, something like that.","start":1213.42,"end":1215.12,"sentiment":"neutral","sentiment_score":-0.09841553308069706},{"text":"And we're well aware that we need to update it and whatever.","start":1217.0349,"end":1222.0149,"sentiment":"neutral","sentiment_score":-0.09940976649522781},{"text":"So it's just a matter matter of getting to phone or somewhere to Yes.","start":1223.995,"end":1230.335,"sentiment":"neutral","sentiment_score":0.0289587550131338},{"text":"Voice enough and getting it done.","start":1230.5549,"end":1234.15,"sentiment":"neutral","sentiment_score":0.05456339940428734},{"text":"Yeah.","start":1258.465,"end":1258.83,"sentiment":"neutral","sentiment_score":0.0913923978805542}],"sentiment":"neutral","sentiment_score":-0.02060497204798299,"num_words":37,"start":1213.42,"end":1258.83},{"sentences":[{"text":"Yeah.","start":1258.99,"end":1259.23,"sentiment":"neutral","sentiment_score":0.08196157217025757},{"text":"And that's what we'll do.","start":1259.23,"end":1259.2799,"sentiment":"neutral","sentiment_score":0.09454113095998765},{"text":"We'll guide to a solicitor.","start":1259.2799,"end":1261.49,"sentiment":"neutral","sentiment_score":0.07593912556767464},{"text":"Yep.","start":1291.34,"end":1291.84,"sentiment":"neutral","sentiment_score":0.07808154076337814},{"text":"No.","start":1296.86,"end":1297.185,"sentiment":"neutral","sentiment_score":0.03464334458112717}],"sentiment":"neutral","sentiment_score":0.08054521078100571,"num_words":13,"start":1258.99,"end":1297.185},{"sentences":[{"text":"No.","start":1298.625,"end":1299.125,"sentiment":"neutral","sentiment_score":0.10782641917467116},{"text":"Yes.","start":1322.88,"end":1323.255,"sentiment":"neutral","sentiment_score":0.15289098024368286},{"text":"Yep.","start":1329.255,"end":1329.755,"sentiment":"neutral","sentiment_score":0.061410363763570786},{"text":"No.","start":1339.14,"end":1339.38,"sentiment":"neutral","sentiment_score":-0.13991165161132812},{"text":"I'm pretty good.","start":1339.38,"end":1340.1,"sentiment":"neutral","sentiment_score":0.13812283674875894}],"sentiment":"neutral","sentiment_score":0.08522637454526764,"num_words":7,"start":1298.625,"end":1340.1},{"sentences":[{"text":"You're pretty good, honey.","start":1340.1,"end":1341.3,"sentiment":"positive","sentiment_score":0.520034909248352},{"text":"Yeah.","start":1341.3,"end":1341.8,"sentiment":"neutral","sentiment_score":0.24871395528316495},{"text":"Yeah.","start":1341.86,"end":1342.36,"sentiment":"neutral","sentiment_score":0.2204803228378296},{"text":"Yeah.","start":1342.74,"end":1343.14,"sentiment":"neutral","sentiment_score":0.2317362129688263},{"text":"I'll he'll sit down and read it all once I get off the phone.","start":1343.14,"end":1346.76,"sentiment":"neutral","sentiment_score":0.2030387424996921}],"sentiment":"neutral","sentiment_score":0.26779107252756756,"num_words":21,"start":1340.1,"end":1346.76},{"sentences":[{"text":"And and if he's happy with it, I'll just sign 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straightforward.","start":1360.895,"end":1367.72,"sentiment":"neutral","sentiment_score":-0.016575117533405622}],"sentiment":"neutral","sentiment_score":0.08726144809043035,"num_words":32,"start":1347.7,"end":1367.72},{"sentences":[{"text":"Yeah.","start":1380.1,"end":1380.375,"sentiment":"neutral","sentiment_score":-0.014066092669963837},{"text":"Yes.","start":1388.215,"end":1388.715,"sentiment":"neutral","sentiment_score":0.30822038650512695},{"text":"Yeah.","start":1407.2301,"end":1407.55,"sentiment":"neutral","sentiment_score":-0.2395920008420944},{"text":"Well, that's the only that's only talk about Ben along in that because of the the way it's heading.","start":1407.55,"end":1412.445,"sentiment":"neutral","sentiment_score":-0.2793014535778447},{"text":"Like, everybody's, like, stepping away from 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Yep.","start":1481.99,"end":1491.6901,"sentiment":"neutral","sentiment_score":0.022012192755937576},{"text":"Yep.","start":1494.23,"end":1494.525,"sentiment":"neutral","sentiment_score":0.0709269791841507},{"text":"Yep.","start":1502.2051,"end":1502.7051,"sentiment":"neutral","sentiment_score":-0.025202181190252304}],"sentiment":"neutral","sentiment_score":-0.05002280256964944,"num_words":22,"start":1476.205,"end":1502.7051},{"sentences":[{"text":"Yeah.","start":1507.0851,"end":1507.53,"sentiment":"neutral","sentiment_score":0.04041045159101486},{"text":"Exactly.","start":1507.77,"end":1508.27,"sentiment":"neutral","sentiment_score":0.044263046234846115},{"text":"Basically, it just spreads it out over different zones as well.","start":1508.89,"end":1514.0901,"sentiment":"neutral","sentiment_score":0.02469667165794156},{"text":"Is that correct?","start":1514.0901,"end":1514.73,"sentiment":"neutral","sentiment_score":0.029399507989486057},{"text":"Like, from Australia to Europe and Asia and USA or something.","start":1514.73,"end":1518.3301,"sentiment":"neutral","sentiment_score":0.025480046021667393}],"sentiment":"neutral","sentiment_score":0.02684503393592658,"num_words":27,"start":1507.0851,"end":1518.3301},{"sentences":[{"text":"Is that correct?","start":1518.3301,"end":1519.15,"sentiment":"neutral","sentiment_score":0.03273744943241278},{"text":"Yep.","start":1529.065,"end":1529.565,"sentiment":"neutral","sentiment_score":0.12655848264694214},{"text":"Yes.","start":1540.58,"end":1541.08,"sentiment":"neutral","sentiment_score":0.04821428284049034},{"text":"Yep.","start":1553.1549,"end":1553.6549,"sentiment":"neutral","sentiment_score":0.09957598894834518},{"text":"That's correct.","start":1580.585,"end":1581.405,"sentiment":"neutral","sentiment_score":0.22691772878170013}],"sentiment":"neutral","sentiment_score":0.10329957003705204,"num_words":8,"start":1518.3301,"end":1581.405},{"sentences":[{"text":"Yeah.","start":1582.505,"end":1583.005,"sentiment":"neutral","sentiment_score":0.19586969912052157},{"text":"Yep.","start":1583.225,"end":1583.725,"sentiment":"neutral","sentiment_score":0.21842080354690552},{"text":"Okay.","start":1604.135,"end":1604.375,"sentiment":"positive","sentiment_score":0.5737807750701904},{"text":"That'll be great.","start":1604.375,"end":1605.0951,"sentiment":"positive","sentiment_score":0.7942868073781332},{"text":"Thank you.","start":1605.0951,"end":1605.675,"sentiment":"positive","sentiment_score":0.7919319868087769}],"sentiment":"positive","sentiment_score":0.6193494591861963,"num_words":8,"start":1582.505,"end":1605.675},{"sentences":[{"text":"Okay.","start":1610.935,"end":1611.3351,"sentiment":"positive","sentiment_score":0.5159338712692261},{"text":"Thanks very much.","start":1611.3351,"end":1612.335,"sentiment":"positive","sentiment_score":0.7544455130894979},{"text":"Okay.","start":1613.695,"end":1614.1749,"sentiment":"neutral","sentiment_score":0.18289947509765625},{"text":"Bye.","start":1614.1749,"end":1614.6749,"sentiment":"neutral","sentiment_score":0.12289689481258392}],"sentiment":"positive","sentiment_score":0.5141777967413267,"num_words":6,"start":1610.935,"end":1614.6749}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. You've come through to Kyle. How are you today?\n\nChannel 1: Good. Thank you, Carl.\n\nChannel 0: That's good to hear. Now I've got you scheduled in for that statement advice piece today. Is now still a good time for you to be able to run through that?\n\nChannel 1: Yeah. Sorry, mate. I was just running late from work, and I was in the shower.\n\nChannel 0: Okay. Yeah. That's not a problem. Do you need a few more minutes? I can give you back a call instead of ten or fifteen if you need to.\n\nChannel 1: No. No. You're fine\n\nChannel 0: Okay. Not a problem. Now I know\n\nChannel 1: now.\n\nChannel 0: you're just speaking with my colleague there, Jordan, but I will confirm just a few details given the time it has been since we had a discussion there sort of towards the end of last year. But can I confirm in regards to your details there, Julie, that everything's largely unchanged? You're still,\n\nChannel 1: Still working?\n\nChannel 0: yeah, still doing your your casual work the four to five days. You haven't cut back with the the arm issue that you needed to get operated on?\n\nChannel 1: No. It's about four days a week I'm working.\n\nChannel 0: Still roughly on about 78,000 annually, though, depending on sort of if you keep track with your work.\n\nChannel 1: Well, I've been off for five weeks, so and I've been listening to that.\n\nChannel 0: Okay. Was that just\n\nChannel 1: Because\n\nChannel 0: due\n\nChannel 1: I\n\nChannel 0: to the the surgery and then holidays? Or\n\nChannel 1: yeah. Holiday.\n\nChannel 0: Yep. And then as far as anything else, has anything else changed, Julie, in regards to your personal circumstances since we last spoke?\n\nChannel 1: No. No.\n\nChannel 0: Yep. Perfect. Now we'll be sending this out there to just JulieDouglas68@Gmail.com.\n\nChannel 1: Yep.\n\nChannel 0: And it'll just be an email attachment. It'll be through Odoo. It's a bit different to DocuSign, which you probably used previously. Same sort of signing software. It'll come through in an email.\n\nAnd then with that one there, it'll have some attachments, and that'll have the statement advice for you to be able to look over. And then it'll have a a link if you're happy with the advice to be able to sign that or not there\n\nChannel 1: Yep.\n\nChannel 0: as well. So you should\n\nChannel 1: Mhmm.\n\nChannel 0: have that in that inbox there shortly, and then we're able to run through that. It is quite a straightforward piece. I know you didn't particularly wanna look at updating anything sort of the last time we spoke. It was mainly due to the fact that your advice was sort of so old, and then we're just doing a bit of a refresh in regards to your investments. Just giving\n\nChannel 1: Yes.\n\nChannel 0: your time on board and just to make sure that the ones that are there are sort of still performing and then sort of looking forward to sort of giving you getting closer to the age of 60, maybe potentially out of access some of your funds and things like that as well. So just\n\nChannel 1: Yep.\n\nChannel 0: being mindful of that.\n\nChannel 1: So Keith had it. I've got a new phone, so I've gotta ask my hubby how I look at my email for you on the phone.\n\nChannel 0: Okay. If you've got a laptop there as well, you should be able to bring it up on your your laptop on that email to have a look\n\nChannel 1: Oh,\n\nChannel 0: at\n\nChannel 1: no.\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: while\n\nChannel 1: just\n\nChannel 0: we're on\n\nChannel 1: Just got emails there now. I don't have I'm at the top. Well, we got emails for but maybe put them on page. Yeah. Okay.\n\nI got it there now.\n\nChannel 0: Yep. And\n\nChannel 1: Yep.\n\nChannel 0: being on a phone, Joe, it's probably a bit hard to, like, obviously, go through it and sort of hear me as well. So I can go through the the document, let you know the key points, and then yourself and Keith, they can have a a look through it afterwards. And when you're sort of not having me jabbering in the background, have a chance to read through some of the the document yourselves after the phone call.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Key points there is it's obviously an advice piece presented for yourself that Julie prepared by myself and the team there as an authorized representative on OQ Financial. In this document here, in regards to the the scoping there, obviously, we take your best interest, Judy, into consideration that everything we provide advice on, we try and put you in a better position than what you were currently. And as\n\nChannel 1: Yep.\n\nChannel 0: far as the advice, we were just reviewing the superannuation and investment just based on your time on board and just making sure that your advice piece is up to date and then just some estate planning matters and just making sure\n\nChannel 1: Mhmm.\n\nChannel 0: that you're aware of that. I know you got your beneficiaries in place, but you don't have, like, your will, power of attorney, things like that in place at the moment. So recommendation on that. As far as the things that we're aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings. I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself.\n\nChannel 1: Yep.\n\nChannel 0: And then just working on getting your health back on track a little bit and maintaining fit and getting back to work, which is more of a personal goal there. We're just sort of making sure that we're aware of it and tracking that moving forward for you as well. Just so\n\nChannel 1: Mhmm.\n\nChannel 0: and then with limited advice warning, it's just basically stating that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just sort of aware of and accountability partners for, but we're not providing advice for you today, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So the strategy, very simply put, is to retain your net wealth superannuation and then change those underlying investments. Make sure you're establishing a will and a\n\nChannel 1: Yep.\n\nChannel 0: power of attorney as part of your estate planning matters there as well.\n\nChannel 1: Yeah. I've yet to get that done. We've been calling about for, like, six months, but you\n\nChannel 0: Now\n\nChannel 1: know?\n\nChannel 0: yeah. Yeah. And I can send you an email just with, like, a local solicitors here information on wills and estates and their general pricing just to give you a starting point even. Obviously, they're a separate service, so you can use whoever you'd like, but it's a nice little information booklet. It gives you a bit of an idea and just sorta can give you a bit of a jump point even if you find someone locally for you.\n\nChannel 1: Yep. Yep. That'd be good.\n\nChannel 0: Perfect. Now we obviously, wills and estates too. You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later\n\nChannel 1: Mhmm.\n\nChannel 0: there. On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities. Now, obviously, given the time that has elapsed, these might change slightly. And like I said, with the income there, just given the the holidays or time off you took over, that the Christmas period there might be a little bit less. But as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment switch.\n\nChannel 1: Mhmm.\n\nChannel 0: Now as far as your risk profile goes there, Julie, you did score as, like, a growth, which is about an eighty twenty split. You're currently in a balanced growth, and then given your sort of time to retirement, the level of risk you wanna take on before potentially accessing some of the funds, we just decided to leave it as a balanced growth, which is anywhere from sort of 60 to 70% growth assets and around sort of that 30 to 40% defensive assets just depending on sort of how the portfolio is built, just to\n\nChannel 1: Mhmm.\n\nChannel 0: aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there. Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well.\n\nChannel 1: Yep. So how big of a dip did it take?\n\nChannel 0: So as far as your current balance at the moment there, I'll just bring up your account. Bear\n\nChannel 1: It was\n\nChannel 0: with\n\nChannel 1: taking a dip. It's all where it's gone. Wolf inches will jump\n\nChannel 0: me. Bear with me. It should take me a second to load up.\n\nChannel 1: out.\n\nChannel 0: As far as the percentage for the last twelve months, though, you've still done 8.19%. But over the course of, like, the last three months, which is, like, the start of the year with the war, it's gone backwards probably about four. So it could have been up around the sort of 12% mark, but, obviously, it's gone backwards that 4% given that everything that did occur. But you're currently sitting around 83,500 in terms of, like, your current balance there,\n\nChannel 1: Yeah.\n\nChannel 0: which is still up for the year, very much up. And especially with the balance growth, it's obviously still quite good in terms of return and within that expected, like, return range. But, obviously, yeah, it could have been a lot better if there wasn't that dip.\n\nChannel 1: Yep. Next.\n\nChannel 0: Now as far as\n\nChannel 1: Next.\n\nChannel 0: the the recommendation goes, we're looking at keeping purely because, like, if you were to sell out, there'd be added capital gains. You'd be moving to a different platform. And then the features gained and the savings of going to a different platform didn't really outweigh the cost you'd be paying with that capital gains and realizing all of that when switching funds.\n\nChannel 1: Yeah.\n\nChannel 0: Now the recommendation itself, I know the discussions we did have, you weren't too fast on whether you had, like, the active management in your fund or the passive. You're just sort of open to the recommendation moving forward. Now with\n\nChannel 1: Yeah.\n\nChannel 0: the funds that we are recommending we're recommending just moving to a more index approach. So what that does overall is it reduces manager risk. So instead of having someone buying and selling and trying to pick some winners in the market and based on their sort of metrics, You're just following those indexes. And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well. But in saying that if that industry has a bit of a bad year, those are the key performance at the moment.\n\nSo if they have a bad year plus the underperforming ones that you currently have, it can really sort of cause, like, a really backwards dip or spike. So So with that, we're just looking at updating your entire portfolio. The call will largely remain the same, but then the satellites will change slightly to be a little bit more diversified across different regions and then across different industries instead of being specific to certain industry specific exchange traded funds, which if\n\nChannel 1: Yep.\n\nChannel 0: they have a bad year can really affect your performance.\n\nChannel 1: That's why I pay you guys. I don't understand\n\nChannel 0: Yep.\n\nChannel 1: any of it. So it's entirely entirely in your hands to do the right move for me, I guess.\n\nChannel 0: Yep. No. Completely understandable. So with that, obviously, feel free to have a bit of a look through and then the different funds and the changes there as well. But the key thing with that, I know it's sort of you're a little bit out of sight out of mind with it.\n\nYou're not too fussed on it. You don't wanna, you know, learn it now. You just pay us the the service. But we wanna make sure you're across sort of what we are recommending at the day there as well.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, with the markets being so unpredictable as well and then even having those strong performers, with those being industry specific, if something was to occur, like the wars was to affect those specific industries with that concentrated risk can sort of lead to poor performance or bad long term growth,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Mike's Door\n\nChannel 0: Yes.\n\nChannel 1: Defense.\n\nChannel 0: Yeah. Feel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it. There is a best interest, Judy, in regards to why we recommended the way we did. The\n\nChannel 1: Yep.\n\nChannel 0: main key point there is you will be able to have lower investment fees as well. Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments. And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Perfect. We did consider that leaving your funds in the same portfolio and just making a switch to the few of the bad funds. But, obviously, I said that that diversification wasn't quite there, so you'd have more diversification with the change. You reduce the manager risk by getting rid of those actively managed funds, and then you remove the underperforming assets by making a change as well. And then we also\n\nChannel 1: Yeah.\n\nChannel 0: looked, as I said, to different funds and then changing the platform. But it's still a competitive product. Given your time through time and the capital gains, that would be liable. It just means that it wouldn't be recovered in a timely sort of manner with those changes. So we looked at keeping you in net well.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: on page 14, you'll be able to see the changes and what is selling. So the key ones there that are selling purely because we sort of wanted to get rid of them was the Benelon because it wasn't performing too great, that actively managed fund. I don't\n\nChannel 1: Yep.\n\nChannel 0: remember if you remember that previous discussion, but then also the BetaShares Australian bank hybrids, they're just getting phased out. So we need to change those for an alternative. They're a defensive portion of your fund, which we're doing. And then\n\nChannel 1: Yep.\n\nChannel 0: two, funds that have done quite well, but we're just looking at them because as I said, they're industry sort of specific and can cause a bit of a backwards dip. You've got Batrium and Lithium Tech. Now although it's done quite well over the past twelve months there, it just means that if something was to go like Orion, that industry can really affect that performance. And same with the cleavage rare infrastructure fund there as well. Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry.\n\nThat means it can sort of, you know, be subject to those market downturns a little bit more heavily. So we're just moving\n\nChannel 1: Yeah.\n\nChannel 0: your way into some different regions there to give you a bit of a diversity across different groups there. So you'll still have your key holdings in the S and P five hundred. You'll still have a key holding in Australia, but then you'll also have some exposure outside The US in sort of Europe, Japan, and then all world excluding The US as well, which will give you a nice sort of range across different geographic locations there.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Yeah. Just spreading it out across different regions, which encompass different companies and different industries there as well as opposed to being a little bit more industry specific with a few of those investments. In addition to that one there, you'll still have a nice core portion in a composite bond there, which is like a fixed interest, which is a defensive portion there as well. So in those market downturns with the interest rate that does go up, they generally perform a little bit better as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Now as far as the asset allocation, currently around sort of the $70.30 mark in terms of growth versus defensive assets. With the the upgraded portfolio there, it will be around 75% growth, around 24% defensive, which is a little bit more allocation of growth asset. But what it means is you're reducing your manager risk with that\n\nChannel 1: Yeah.\n\nChannel 0: one. So you'll have slightly more growth assets, but also slightly less manager risk. And then you'll also have that at a bit of a cheaper cost, which will hopefully set you up to still get some nice returns there moving forward without having to carry that additional management risk of those managed portfolios and that active management costs.\n\nChannel 1: Nope.\n\nChannel 0: On page 16, you'll be able to see a table of that and an illustration of what the cost difference will be.\n\nChannel 1: No.\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: there is the balance there currently minus the the CDT that would be liable to the account. And then with that, with the change, the investment fee drops quite considerably down $258. So that's money you're guaranteed to be saving each year in terms of, like, the the fee you'll be paying for your investment costs. So you'll retain that capital gains in a couple of years just based on those savings alone, and then\n\nChannel 1: Yep.\n\nChannel 0: that continues after that just to going into your investments and getting investment returns. And as far as the adviser fee, the the current is just based on your current balance versus the 1.1% because it's a coupled fee versus the recommended it takes into account a year's worth of growth, which is why it's considered to be a little bit higher. It's just like an over disclosure that if it was to perform at the the five year rolling average mark, that's what it would look like. Obviously, in terms of, like, the market and what is happening, there's no sort of replication that the next five years will be the same as the last five years. It just gives you a\n\nChannel 1: Yep.\n\nChannel 0: bit of an illustration there, but you'll at least be saving on those investment fees. And although the performance is slightly less, you also carry less major risk. It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well. And then sort of, you know, if you were to stay in your current fund and it did perform and continue to perform, happy days, but you're also carrying a lot more risk being that sort of less diversified fund versus if\n\nChannel 1: Yeah.\n\nChannel 0: you go into this more diversified sort of fund a little bit more spread out in terms of, like, the areas which you encompass there. It might perform slightly less in saying that, but it also might still perform slightly more because no one knows what the markets are gonna do. But the guarantee is you'll be saving money. You'll be having a lot more diversification in terms of, like, regions and then also industry and a lot less, yeah, concentration in those two funds that are getting the majority of that growth out of your current fund,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense. Do you have any questions in regards to that at all there, Julie?\n\nChannel 1: No. As I said, I don't really understand at all. As long as you're making me money, I don't care.\n\nChannel 0: Don't care too much. Yep. No. Completely understandable. As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more\n\nChannel 1: Yeah.\n\nChannel 0: than\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: understand that. And that's\n\nChannel 0: Yeah.\n\nChannel 1: that's what I said. That's why I trust you guys. You've done really well for us. And, yeah, I trust everything that you tell me to do. And that's why I tell you to do whatever you think.\n\nYou need to\n\nChannel 0: Perfect.\n\nChannel 1: move it. Move it.\n\nChannel 0: Yeah. So with that, a lot of the core of your portfolio will stay the same. It'll get rid of those underperformers. It's just those key sort of holdings that you do that are performing quite well. You won't just have those moving forward, but that's not a bad thing in the sense that they've had, like, a nice bit of growth now.\n\nSo, you know, taking a bit of that gain now and then holding that versus if it was to take a bit of a dip and then having to wait for that to recover isn't a bad thing either.\n\nChannel 1: Yeah.\n\nChannel 0: As far as the rest of the document there as well, given that your beneficiary nomination is up to date there with your partner there, Keith, that's fine. As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that. It really makes things a lot easier.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the the important things with the switch with the markets being so volatile at the moment, there is just an importance to note that the assets that have to get sold down and then transferred or, you know, across, it just means that the time out of the market, it can fluctuate a lot more given what is happening at the moment. But given that it's all sort of down at the moment, buying low and but selling low and buying low isn't the the worst thing. It's if it sort of recovered significantly in that time, which the likelihood that it sort of bounces back considerably is, like, still quite slim. It's just sort of at the moment with those ups and downs, you don't really know. That's just something to be aware of with that risk.\n\nBut in terms of, like, a total cost loss or anything like that, it could go either way where if it drops more considerably in that time while you're in cash, you might actually buy at a little bit of a lower cost base. But if it goes up slightly, you might buy at a bit of a higher cost base. It's just something to be aware of as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And then as far as the will and power of attorney is considered, obviously, I could go through it a little bit more in-depth. But do you have many questions in regards to setting up a will or power of attorney or anything\n\nChannel 1: No. I don't.\n\nChannel 0: that, Julie?\n\nChannel 1: Not\n\nChannel 0: Happy\n\nChannel 1: really.\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: to, like yeah.\n\nChannel 1: yeah. We have a will, but it's, like, 30 years old. A lot. So, yeah, we have to oh, it's 33 years old, actually. 32, something like that.\n\nAnd we're well aware that we need to update it and whatever.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Now\n\nChannel 1: it's\n\nChannel 0: it\n\nChannel 1: just\n\nChannel 0: is\n\nChannel 1: a matter matter of getting to phone or somewhere to Yes. Voice enough and getting it done.\n\nChannel 0: Yeah. Obviously, there is the option to do a potential, like, post office rules and things like that. But given that it might be sort of, you know, better to get it all in the one document from a solicitor, those post office rules can be a little bit janky in the sense that if it sort of you fill out one section wrong, it might not be valid and things like that. Whereas if you go to professional, at least you have the, you know, the peace of mind that it's done correctly.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: And that's what we'll do. We'll guide to a\n\nChannel 0: it's sort of done.\n\nChannel 1: solicitor.\n\nChannel 0: Yeah. Perfect. But as far as the the next sort of steps, obviously, the remuneration side of thing is still the 1.1%. So it's around $995 for the the service in terms of, like, what paying versus the service you do get. With that being the percentage base, obviously, that's based on your balance and the growth.\n\nBut if it was to sort of the walk continue and you had a bit of a low year with everything that's going on, it just means that the fee doesn't grow with that. It only grows when the balance grows.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that, do you have any questions in regards to remuneration on the feed all there, Julie?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: No.\n\nChannel 0: No problem. As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you. As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you. Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney. We obviously just put in the\n\nChannel 1: Yes.\n\nChannel 0: documents. We do recommend to get it done, which obviously you're on board with. We just obviously can't write them up, unfortunately.\n\nChannel 1: Yep.\n\nChannel 0: But in regards to the document there at all, Julie, do you have any questions about anything that I've covered, anything I haven't covered that you wanna have a chat about? Or\n\nChannel 1: No. I'm pretty good. You're pretty good, honey. Yeah. Yeah.\n\nYeah. I'll he'll sit down and read it all once I get off the phone. And\n\nChannel 0: Yeah.\n\nChannel 1: and if he's happy with it, I'll just sign it.\n\nChannel 0: Not a problem. And then, Keith,\n\nChannel 1: Right.\n\nChannel 0: I know you're there in the background too. Do you have any questions in regards to that at all?\n\nChannel 1: No. It's pretty common sense. I just changed in some portfolios and changing\n\nChannel 0: Yeah.\n\nChannel 1: risks and that, but, yeah, pretty straightforward.\n\nChannel 0: Exactly. The the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward. And\n\nChannel 1: Yeah.\n\nChannel 0: that's to just have a little bit more guarantee that, you know, you do have that diversification. You do have those funds which have historically\n\nChannel 1: Yes.\n\nChannel 0: performed well. You obviously don't have the upside of potentially outperforming the market, but if you get to 60, you wanna draw down some of your funds and, you know, your two top performance in those managed funds have a bad year like Benelon, it can really sort of hurt your superannuation sort of at a year when you probably wanna look at drawing down, not waiting another three years for it to recover, if that makes sense.\n\nChannel 1: Yeah. Well, that's the only that's only talk about Ben along in that because of the the way it's heading. Like, everybody's, like, stepping away from it. So it's like it's probably a good thing for the industry when everybody's saying, like, well, everybody's step away for a minute, and, yeah, we're changing our investments because it's not really good for the future. So\n\nChannel 0: Yeah. And then that's what to say that ClearBridge and lithium tech might not still perform moving forward. It's to say that they're just a little bit more volatile in terms of being so industry specific that if they have a bad year, it can really sort of hurt your portfolio where\n\nChannel 1: Yes.\n\nChannel 0: the the updated portfolio is a little bit more diversified. And you still have a bit of cyber security in there as well, which is another bit of a satellite, but it's sort of, you know, a little bit less industry specific. And, you know, cyber security is a bit of a global thing, whereas sort of rare infrastructure can be a little bit more specific. And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well.\n\nChannel 1: Yep. That's fine. I don't know. Pretty much. Like, since in the end, I It's spreading the loose care a bit.\n\nTo rectify\n\nChannel 0: Yeah.\n\nChannel 1: and so\n\nChannel 0: Exactly. So you still have a similar amount of in investments. It'll just be, like, spread across some different funds that are a little bit\n\nChannel 1: Yep.\n\nChannel 0: more diversified with what\n\nChannel 1: Yep.\n\nChannel 0: their holdings are because they're just regions. And then within those regions, you have different companies that sort of fall into that as well. So you still may carry some of that you know,\n\nChannel 1: Yep.\n\nChannel 0: exposure. It just won't be as direct and specific to those areas.\n\nChannel 1: Yeah. Exactly. Basically,\n\nChannel 0: But if wait. Sorry?\n\nChannel 1: it just spreads it out over different zones as well. Is that correct? Like, from Australia to Europe and Asia and USA or something. Is that correct?\n\nChannel 0: Yes. You'll have it the key holding there will be, yeah, S and P 500 still. It's around 24%, 25 in the top 500 companies in America. You'll have\n\nChannel 1: Yep.\n\nChannel 0: about 20% in the top 200 companies in Australia. And as the, obviously, companies rise and fall, that does sort of change and keep pace with that. That's why it's an index, and it's sort of dynamic in that sense. And then you'll\n\nChannel 1: Yes.\n\nChannel 0: have exposure across a bit in about 7% Europe, about 3% Japan, and about 7% all world excluding The US just because you have such a high holding in the\n\nChannel 1: Yep.\n\nChannel 0: the S and P 500. So it gives you a bit of exposure across the whole world minus that exposure, which is nice. And then you'll also have the the composite bond, which is the defensive portion there as well as some physical gold, which has been an alternative. It can be considered a bit more growth at the moment, but still somewhat defensive. And then the cybersecurity, which is about 4%, which cybersecurity is a bit of a global thing at the moment anyway, and I don't see it going anywhere anytime soon.\n\nChannel 1: That's correct. Yeah. Yep.\n\nChannel 0: Feel free to have a a look through it, guys, come back with any questions you might have. Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys. And if you just wanna respond to that with any questions you have, we'll get pulled back in. Just call up one of the team. We'll get you scheduled in.\n\nThat's not a problem at all.\n\nChannel 1: Okay. That'll be great. Thank you.\n\nChannel 0: No problem, guys. Well, thanks for your time this afternoon. I'll let you get back to it, and you can enjoy the rest of the hour.\n\nChannel 1: Okay. Thanks very much.\n\nChannel 0: Thanks, guys. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.48,"end":2.72,"sentiment":"neutral","sentiment_score":0.2049383819103241},{"text":"You've come through to Kyle.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.24683424532413484},{"text":"How are you today?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.3150314390659332}],"sentiment":"neutral","sentiment_score":0.2699235364794731,"channel":0,"num_words":10,"start":2.48,"end":4.66},{"sentences":[{"text":"Good.","start":5.6,"end":5.8399997,"sentiment":"positive","sentiment_score":0.6500258445739746},{"text":"Thank you, Carl.","start":5.8399997,"end":6.74,"sentiment":"positive","sentiment_score":0.7234198649724325}],"sentiment":"positive","sentiment_score":0.705071359872818,"channel":1,"num_words":4,"start":5.6,"end":6.74},{"sentences":[{"text":"That's good to hear.","start":7.2,"end":8.42,"sentiment":"positive","sentiment_score":0.8070838004350662},{"text":"Now I've got you scheduled in for that statement advice piece today.","start":8.88,"end":13.28,"sentiment":"positive","sentiment_score":0.3589317972461383},{"text":"Is now still a good time for you to be able to run through that?","start":13.28,"end":15.825,"sentiment":"neutral","sentiment_score":0.27520266771316526}],"sentiment":"positive","sentiment_score":0.37624376723843234,"channel":0,"num_words":31,"start":7.2,"end":15.825},{"sentences":[{"text":"Yeah.","start":16.575,"end":16.815,"sentiment":"neutral","sentiment_score":0.011965744197368622},{"text":"Sorry, mate.","start":16.815,"end":17.375,"sentiment":"neutral","sentiment_score":-0.12187573313713074},{"text":"I was just running late from work, and I was in the 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aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings.","start":254.825,"end":263.465,"sentiment":"neutral","sentiment_score":-0.14235304031641252},{"text":"I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself.","start":263.465,"end":271.19998,"sentiment":"neutral","sentiment_score":0.26552751660346985}],"sentiment":"neutral","sentiment_score":0.009976189045442476,"channel":0,"num_words":90,"start":246.67,"end":271.19998},{"sentences":[{"text":"Yep.","start":271.875,"end":272.375,"sentiment":"neutral","sentiment_score":0.25326329469680786}],"sentiment":"neutral","sentiment_score":0.25326329469680786,"channel":1,"num_words":1,"start":271.875,"end":272.375},{"sentences":[{"text":"And then just working on getting your health back on track a little bit and maintaining fit and getting back to work, which is more of a personal goal there.","start":271.9,"end":279.09998,"sentiment":"positive","sentiment_score":0.47603077987829845},{"text":"We're just sort of making sure that we're aware of it and tracking that moving forward for you as well.","start":279.09998,"end":283.655,"sentiment":"positive","sentiment_score":0.40774842351675034},{"text":"Just so","start":283.655,"end":283.975,"sentiment":"neutral","sentiment_score":0.016275133937597275}],"sentiment":"positive","sentiment_score":0.4320854256645991,"channel":0,"num_words":52,"start":271.9,"end":283.975},{"sentences":[{"text":"Mhmm.","start":284.05,"end":284.55,"sentiment":"neutral","sentiment_score":0.017882930114865303}],"sentiment":"neutral","sentiment_score":0.017882930114865303,"channel":1,"num_words":1,"start":284.05,"end":284.55},{"sentences":[{"text":"and then with limited advice warning, it's just basically stating that we're only providing advice on the superannuation and estate planning side of things.","start":285.175,"end":291.655,"sentiment":"neutral","sentiment_score":-0.05879845784511417},{"text":"Everything else, we're just sort of aware of and accountability partners for, but we're not providing advice for you today, if that makes sense.","start":291.655,"end":297.355,"sentiment":"neutral","sentiment_score":-0.1725058490410447}],"sentiment":"neutral","sentiment_score":-0.11565215344307944,"channel":0,"num_words":48,"start":285.175,"end":297.355},{"sentences":[{"text":"Yep.","start":297.095,"end":297.42,"sentiment":"neutral","sentiment_score":0.026213351637125015}],"sentiment":"neutral","sentiment_score":0.026213351637125015,"channel":1,"num_words":1,"start":297.095,"end":297.42},{"sentences":[{"text":"Yep.","start":298.85,"end":299.35,"sentiment":"neutral","sentiment_score":0.0390615239739418},{"text":"So the strategy, very simply put, is to retain your net wealth superannuation and then change those underlying investments.","start":300.13,"end":305.91,"sentiment":"neutral","sentiment_score":0.0977467929846362},{"text":"Make sure you're establishing a will and a","start":306.05002,"end":307.89,"sentiment":"neutral","sentiment_score":0.11644608061760664}],"sentiment":"neutral","sentiment_score":0.10099354412938867,"channel":0,"num_words":28,"start":298.85,"end":307.89},{"sentences":[{"text":"Yep.","start":307.82,"end":308.32,"sentiment":"neutral","sentiment_score":0.06553764641284943}],"sentiment":"neutral","sentiment_score":0.06553764641284943,"channel":1,"num_words":1,"start":307.82,"end":308.32},{"sentences":[{"text":"power of attorney as part of your estate planning matters there as well.","start":307.89,"end":311.565,"sentiment":"neutral","sentiment_score":0.0855475922043507}],"sentiment":"neutral","sentiment_score":0.0855475922043507,"channel":0,"num_words":13,"start":307.89,"end":311.565},{"sentences":[{"text":"Yeah.","start":312.445,"end":312.685,"sentiment":"neutral","sentiment_score":-0.003713015466928482},{"text":"I've yet to get that done.","start":312.685,"end":314.305,"sentiment":"neutral","sentiment_score":-0.12673637146751085},{"text":"We've been calling about for, like, six months, but you","start":314.365,"end":317.405,"sentiment":"neutral","sentiment_score":-0.07451346069574356}],"sentiment":"neutral","sentiment_score":-0.08878034418996643,"channel":1,"num_words":17,"start":312.445,"end":317.405},{"sentences":[{"text":"Now","start":317.245,"end":317.67166,"sentiment":"neutral","sentiment_score":-0.03890888765454292}],"sentiment":"neutral","sentiment_score":-0.03890888765454292,"channel":0,"num_words":1,"start":317.245,"end":317.67166},{"sentences":[{"text":"know?","start":317.405,"end":317.905,"sentiment":"neutral","sentiment_score":-0.02508660778403282}],"sentiment":"neutral","sentiment_score":-0.02508660778403282,"channel":1,"num_words":1,"start":317.405,"end":317.905},{"sentences":[{"text":"yeah.","start":318.09833,"end":318.525,"sentiment":"neutral","sentiment_score":0.008306276053190231},{"text":"Yeah.","start":318.525,"end":318.925,"sentiment":"neutral","sentiment_score":0.08543798327445984},{"text":"And I can send you an email just with, like, a local solicitors here information on wills and estates and their general pricing just to give you a starting point even.","start":318.925,"end":327.42,"sentiment":"neutral","sentiment_score":0.1511902595239301},{"text":"Obviously, they're a separate service, so you can use whoever you'd like, but it's a nice little information booklet.","start":328.46002,"end":333.34003,"sentiment":"positive","sentiment_score":0.3336518948015414},{"text":"It gives you a bit of an idea and just sorta can give you a bit of a jump point even if you find someone locally for you.","start":333.34003,"end":339.825,"sentiment":"positive","sentiment_score":0.45273234375885557}],"sentiment":"neutral","sentiment_score":0.2974566741380841,"channel":0,"num_words":80,"start":318.09833,"end":339.825},{"sentences":[{"text":"Yep.","start":339.86,"end":340.36,"sentiment":"neutral","sentiment_score":0.21472059190273285},{"text":"Yep.","start":340.41998,"end":340.91998,"sentiment":"neutral","sentiment_score":0.2883435785770416},{"text":"That'd be good.","start":341.335,"end":342.155,"sentiment":"positive","sentiment_score":0.637832244237264}],"sentiment":"positive","sentiment_score":0.48331218063831327,"channel":1,"num_words":5,"start":339.86,"end":342.155},{"sentences":[{"text":"Perfect.","start":343.58502,"end":344.08502,"sentiment":"positive","sentiment_score":0.7245010733604431},{"text":"Now we obviously, wills and estates too.","start":345.265,"end":347.345,"sentiment":"neutral","sentiment_score":0.2238186491387231},{"text":"You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later","start":347.345,"end":357.54715,"sentiment":"neutral","sentiment_score":0.16191980911588127}],"sentiment":"neutral","sentiment_score":0.18107121573904386,"channel":0,"num_words":52,"start":343.58502,"end":357.54715},{"sentences":[{"text":"Mhmm.","start":357.27,"end":357.77,"sentiment":"neutral","sentiment_score":0.0814535990357399}],"sentiment":"neutral","sentiment_score":0.0814535990357399,"channel":1,"num_words":1,"start":357.27,"end":357.77},{"sentences":[{"text":"there.","start":357.54715,"end":357.88177,"sentiment":"neutral","sentiment_score":0.06938832998275757},{"text":"On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities.","start":357.88177,"end":365.24393,"sentiment":"neutral","sentiment_score":0.11600133302536877},{"text":"Now, obviously, given the time that has elapsed, these might change slightly.","start":365.24393,"end":369.16498,"sentiment":"neutral","sentiment_score":-0.013269499409943819},{"text":"And like I said, with the income there, just given the the holidays or time off you took over, that the Christmas period there might be a little bit less.","start":369.16498,"end":376.705,"sentiment":"neutral","sentiment_score":0.025784762265781563},{"text":"But as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment 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of that 30 to 40% defensive assets just depending on sort of how the portfolio is built, just to","start":396.805,"end":417.37,"sentiment":"neutral","sentiment_score":0.23930534730627112}],"sentiment":"neutral","sentiment_score":0.2285077677098746,"channel":0,"num_words":97,"start":389.37997,"end":417.37},{"sentences":[{"text":"Mhmm.","start":417.33002,"end":417.795,"sentiment":"neutral","sentiment_score":0.13048352301120758}],"sentiment":"neutral","sentiment_score":0.13048352301120758,"channel":1,"num_words":1,"start":417.33002,"end":417.795},{"sentences":[{"text":"aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there.","start":417.37,"end":428.355,"sentiment":"positive","sentiment_score":0.3384509672011648},{"text":"Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well.","start":428.575,"end":437.61,"sentiment":"neutral","sentiment_score":0.185711726972035}],"sentiment":"neutral","sentiment_score":0.2535958337405371,"channel":0,"num_words":63,"start":417.37,"end":437.61},{"sentences":[{"text":"Yep.","start":438.29,"end":438.69,"sentiment":"neutral","sentiment_score":0.04632876068353653},{"text":"So how big of a dip did it take?","start":438.69,"end":440.87,"sentiment":"neutral","sentiment_score":-0.0463539713786708}],"sentiment":"neutral","sentiment_score":-0.03708569817245007,"channel":1,"num_words":10,"start":438.29,"end":440.87},{"sentences":[{"text":"So as far as your current balance at the moment there, I'll just bring up your 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up.","start":461.945,"end":463.805,"sentiment":"neutral","sentiment_score":0.014355111660228835}],"sentiment":"neutral","sentiment_score":-0.010412131507809345,"channel":0,"num_words":13,"start":460.985,"end":463.805},{"sentences":[{"text":"out.","start":463.54,"end":464.04,"sentiment":"neutral","sentiment_score":0.00705580972135067}],"sentiment":"neutral","sentiment_score":0.00705580972135067,"channel":1,"num_words":1,"start":463.54,"end":464.04},{"sentences":[{"text":"As far as the percentage for the last twelve months, though, you've still done 8.19%.","start":464.55002,"end":468.87,"sentiment":"neutral","sentiment_score":0.03852021110554536},{"text":"But over the course of, like, the last three months, which is, like, the start of the year with the war, it's gone backwards probably about four.","start":468.87,"end":475.45,"sentiment":"neutral","sentiment_score":-0.2136082610598317},{"text":"So it could have been up around the sort of 12% mark, but, obviously, it's gone backwards that 4% given that everything that did occur.","start":475.99002,"end":483.685,"sentiment":"neutral","sentiment_score":-0.092612584233284},{"text":"But you're currently sitting around 83,500 in terms of, like, your current balance there,","start":483.685,"end":488.85,"sentiment":"neutral","sentiment_score":0.15410668881876127}],"sentiment":"neutral","sentiment_score":-0.06601778820249034,"channel":0,"num_words":81,"start":464.55002,"end":488.85},{"sentences":[{"text":"Yeah.","start":489.43,"end":489.93,"sentiment":"positive","sentiment_score":0.37612050771713257}],"sentiment":"positive","sentiment_score":0.37612050771713257,"channel":1,"num_words":1,"start":489.43,"end":489.93},{"sentences":[{"text":"which is still up for the year, very much up.","start":491.97,"end":494.15,"sentiment":"positive","sentiment_score":0.6086227148771286},{"text":"And especially with the balance growth, it's obviously still quite good in terms of return and within that expected, like, return range.","start":494.37,"end":500.39,"sentiment":"positive","sentiment_score":0.5988632955334403},{"text":"But, obviously, yeah, it could have been a lot better if there wasn't that dip.","start":501.795,"end":504.855,"sentiment":"neutral","sentiment_score":-0.21514567583799363}],"sentiment":"positive","sentiment_score":0.34114967048802275,"channel":0,"num_words":47,"start":491.97,"end":504.855},{"sentences":[{"text":"Yep.","start":505.44498,"end":505.71,"sentiment":"neutral","sentiment_score":0.12181901931762695},{"text":"Next.","start":505.71,"end":506.21,"sentiment":"neutral","sentiment_score":0.08123163878917694}],"sentiment":"neutral","sentiment_score":0.10152532905340195,"channel":1,"num_words":2,"start":505.44498,"end":506.21},{"sentences":[{"text":"Now as far as","start":510.595,"end":511.895,"sentiment":"neutral","sentiment_score":0.0745033398270607}],"sentiment":"neutral","sentiment_score":0.0745033398270607,"channel":0,"num_words":4,"start":510.595,"end":511.895},{"sentences":[{"text":"Next.","start":511.71747,"end":512.21747,"sentiment":"neutral","sentiment_score":0.07015113532543182}],"sentiment":"neutral","sentiment_score":0.07015113532543182,"channel":1,"num_words":1,"start":511.71747,"end":512.21747},{"sentences":[{"text":"the the recommendation goes, we're looking at keeping purely because, like, if you were to sell out, there'd be added capital gains.","start":512.195,"end":520.02,"sentiment":"neutral","sentiment_score":0.1359508674253117},{"text":"You'd be moving to a different platform.","start":520.02,"end":521.7,"sentiment":"neutral","sentiment_score":0.1768248091850962},{"text":"And then the features gained and the savings of going to a different platform didn't really outweigh the cost you'd be paying with that capital gains and realizing all of that when switching funds.","start":521.7,"end":530.355,"sentiment":"neutral","sentiment_score":0.24977387750850005}],"sentiment":"neutral","sentiment_score":0.2019207076657386,"channel":0,"num_words":63,"start":512.195,"end":530.355},{"sentences":[{"text":"Yeah.","start":531.08496,"end":531.45,"sentiment":"neutral","sentiment_score":0.20088887214660645}],"sentiment":"neutral","sentiment_score":0.20088887214660645,"channel":1,"num_words":1,"start":531.08496,"end":531.45},{"sentences":[{"text":"Now the recommendation itself, I know the discussions we did have, you weren't too fast on whether you had, like, the active management in your fund or the passive.","start":532.27496,"end":539.735,"sentiment":"neutral","sentiment_score":0.22244901903744402},{"text":"You're just sort of open to the recommendation moving forward.","start":540.115,"end":542.935,"sentiment":"positive","sentiment_score":0.44078744351863863},{"text":"Now with","start":543.5,"end":544.14,"sentiment":"neutral","sentiment_score":0.17102184146642685}],"sentiment":"neutral","sentiment_score":0.2731936504928077,"channel":0,"num_words":41,"start":532.27496,"end":544.14},{"sentences":[{"text":"Yeah.","start":543.85004,"end":544.215,"sentiment":"neutral","sentiment_score":0.2025078237056732}],"sentiment":"neutral","sentiment_score":0.2025078237056732,"channel":1,"num_words":1,"start":543.85004,"end":544.215},{"sentences":[{"text":"the funds that we are recommending we're recommending just moving to a more index approach.","start":544.14,"end":548.06,"sentiment":"neutral","sentiment_score":0.3036685407161713},{"text":"So what that does overall is it reduces manager risk.","start":548.06,"end":551.1,"sentiment":"positive","sentiment_score":0.40048848241567614},{"text":"So instead of having someone buying and selling and trying to pick some winners in the market and based on their sort of metrics, You're just following those indexes.","start":551.1,"end":558.945,"sentiment":"neutral","sentiment_score":0.2635763398660668},{"text":"And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well.","start":559.645,"end":571.98505,"sentiment":"neutral","sentiment_score":0.11029181061756044},{"text":"But in saying that if that industry has a bit of a bad year, those are the key performance at the moment.","start":572.88,"end":577.52,"sentiment":"neutral","sentiment_score":-0.1848805412988771}],"sentiment":"neutral","sentiment_score":0.14210602481675855,"channel":0,"num_words":118,"start":544.14,"end":577.52},{"sentences":[{"text":"So if they have a bad year plus the underperforming ones that you currently have, it can really sort of cause, like, a really backwards dip or spike.","start":577.52,"end":584.9,"sentiment":"negative","sentiment_score":-0.39071170559951235},{"text":"So So with that, we're just looking at updating your entire portfolio.","start":585.44,"end":588.10504,"sentiment":"neutral","sentiment_score":0.0472127515822649},{"text":"The call will largely remain the same, but then the satellites will change slightly to be a little bit more diversified across different regions and then across different industries instead of being specific to certain industry specific exchange traded funds, which 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guess.","start":610.92004,"end":616.94,"sentiment":"neutral","sentiment_score":-0.01666417415253818}],"sentiment":"neutral","sentiment_score":-0.05262744014984683,"channel":1,"num_words":19,"start":610.28,"end":616.94},{"sentences":[{"text":"Yep.","start":617.595,"end":618.095,"sentiment":"neutral","sentiment_score":0.022953268140554428},{"text":"No.","start":618.235,"end":618.475,"sentiment":"neutral","sentiment_score":-0.025359582155942917},{"text":"Completely understandable.","start":618.475,"end":619.455,"sentiment":"neutral","sentiment_score":0.016433673619758338},{"text":"So with that, obviously, feel free to have a bit of a look through and then the different funds and the changes there as well.","start":619.995,"end":626.015,"sentiment":"neutral","sentiment_score":0.09636512115597724},{"text":"But the key thing with that, I know it's sort of you're a little bit out of sight out of mind with it.","start":626.27997,"end":630.51996,"sentiment":"neutral","sentiment_score":-0.18202529232139172}],"sentiment":"neutral","sentiment_score":-0.03359601271670097,"channel":0,"num_words":52,"start":617.595,"end":630.51996},{"sentences":[{"text":"You're not too fussed on it.","start":630.51996,"end":631.48,"sentiment":"neutral","sentiment_score":-0.1417213057478269},{"text":"You don't wanna, you know, learn it now.","start":631.48,"end":633.39996,"sentiment":"neutral","sentiment_score":-0.13960613496601582},{"text":"You just pay us the the service.","start":633.39996,"end":635.33997,"sentiment":"neutral","sentiment_score":-0.032798680875982554},{"text":"But we wanna make sure you're across sort of what we are recommending at the day there as well.","start":635.39996,"end":639.33997,"sentiment":"neutral","sentiment_score":0.0005632668341460981}],"sentiment":"neutral","sentiment_score":-0.05465164026245475,"channel":0,"num_words":40,"start":630.51996,"end":639.33997},{"sentences":[{"text":"Yep.","start":639.77,"end":640.27,"sentiment":"neutral","sentiment_score":-0.007410380989313126}],"sentiment":"neutral","sentiment_score":-0.007410380989313126,"channel":1,"num_words":1,"start":639.77,"end":640.27},{"sentences":[{"text":"But, yeah, with the markets being so unpredictable as well and then even having those strong performers, with those being industry specific, if something was to occur, like the wars was to affect those specific industries with that concentrated risk can sort of lead to poor performance or bad long term growth,","start":640.595,"end":657.44,"sentiment":"neutral","sentiment_score":-0.2678036348750958}],"sentiment":"neutral","sentiment_score":-0.2678036348750958,"channel":0,"num_words":52,"start":640.595,"end":657.44},{"sentences":[{"text":"Yep.","start":658.345,"end":658.845,"sentiment":"neutral","sentiment_score":-0.07814358174800873}],"sentiment":"neutral","sentiment_score":-0.07814358174800873,"channel":1,"num_words":1,"start":658.345,"end":658.845},{"sentences":[{"text":"if that makes sense.","start":658.62,"end":659.68,"sentiment":"neutral","sentiment_score":-0.02467972692102194}],"sentiment":"neutral","sentiment_score":-0.02467972692102194,"channel":0,"num_words":4,"start":658.62,"end":659.68},{"sentences":[{"text":"Yeah.","start":660.11,"end":660.51,"sentiment":"neutral","sentiment_score":0.035281069576740265}],"sentiment":"neutral","sentiment_score":0.035281069576740265,"channel":1,"num_words":1,"start":660.11,"end":660.51},{"sentences":[{"text":"So","start":660.38,"end":660.62,"sentiment":"neutral","sentiment_score":0.03455646336078644}],"sentiment":"neutral","sentiment_score":0.03455646336078644,"channel":0,"num_words":1,"start":660.38,"end":660.62},{"sentences":[{"text":"Mike's Door","start":660.51,"end":662.03,"sentiment":"neutral","sentiment_score":0.062448542565107346}],"sentiment":"neutral","sentiment_score":0.062448542565107346,"channel":1,"num_words":2,"start":660.51,"end":662.03},{"sentences":[{"text":"Yes.","start":661.82,"end":662.32,"sentiment":"neutral","sentiment_score":0.08143070340156555}],"sentiment":"neutral","sentiment_score":0.08143070340156555,"channel":0,"num_words":1,"start":661.82,"end":662.32},{"sentences":[{"text":"Defense.","start":662.03,"end":662.53,"sentiment":"neutral","sentiment_score":0.05830356478691101}],"sentiment":"neutral","sentiment_score":0.05830356478691101,"channel":1,"num_words":1,"start":662.03,"end":662.53},{"sentences":[{"text":"Yeah.","start":664.94,"end":665.25995,"sentiment":"neutral","sentiment_score":0.11378822475671768},{"text":"Feel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it.","start":665.25995,"end":669.18,"sentiment":"neutral","sentiment_score":0.14845842513300123},{"text":"There is a best interest, Judy, in regards to why we recommended the way we did.","start":669.18,"end":673.435,"sentiment":"neutral","sentiment_score":0.2224321197718382},{"text":"The","start":674.055,"end":674.295,"sentiment":"neutral","sentiment_score":0.05902058631181717}],"sentiment":"neutral","sentiment_score":0.17562435013361466,"channel":0,"num_words":39,"start":664.94,"end":674.295},{"sentences":[{"text":"Yep.","start":674.11,"end":674.61,"sentiment":"neutral","sentiment_score":0.021543379873037335}],"sentiment":"neutral","sentiment_score":0.021543379873037335,"channel":1,"num_words":1,"start":674.11,"end":674.61},{"sentences":[{"text":"main key point there is you will be able to have lower investment fees as well.","start":674.295,"end":680.375,"sentiment":"positive","sentiment_score":0.4312498327344656},{"text":"Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments.","start":680.375,"end":688.85,"sentiment":"positive","sentiment_score":0.4222873082527748},{"text":"And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you.","start":689.63,"end":698.655,"sentiment":"positive","sentiment_score":0.343437755247578}],"sentiment":"positive","sentiment_score":0.3901280473817039,"channel":0,"num_words":74,"start":674.295,"end":698.655},{"sentences":[{"text":"Yep.","start":699.14996,"end":699.64996,"sentiment":"positive","sentiment_score":0.3625890910625458},{"text":"Sounds good.","start":699.79,"end":700.61,"sentiment":"positive","sentiment_score":0.588228702545166}],"sentiment":"positive","sentiment_score":0.513015498717626,"channel":1,"num_words":3,"start":699.14996,"end":700.61},{"sentences":[{"text":"Perfect.","start":701.435,"end":701.935,"sentiment":"positive","sentiment_score":0.6071857213973999},{"text":"We did consider that leaving your funds in the same portfolio and just making a switch to the few of the bad funds.","start":702.23505,"end":708.395,"sentiment":"neutral","sentiment_score":0.06149342801907788},{"text":"But, obviously, I said that that diversification wasn't quite there, so you'd have more diversification with the change.","start":708.395,"end":714.89996,"sentiment":"neutral","sentiment_score":0.09615966801842053},{"text":"You reduce the manager risk by getting rid of those actively managed funds, and then you remove the underperforming assets by making a change as 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liable.","start":728.675,"end":732.055,"sentiment":"neutral","sentiment_score":-0.07465599821164058},{"text":"It just means that it wouldn't be recovered in a timely sort of manner with those changes.","start":732.51495,"end":737.475,"sentiment":"neutral","sentiment_score":-0.03835677158306627},{"text":"So we looked at keeping you in net well.","start":737.475,"end":739.95,"sentiment":"neutral","sentiment_score":0.07589295879006386}],"sentiment":"neutral","sentiment_score":-0.01799624031736401,"channel":0,"num_words":57,"start":723.235,"end":739.95},{"sentences":[{"text":"Now","start":740.57,"end":741.07,"sentiment":"neutral","sentiment_score":0.051846496760845184}],"sentiment":"neutral","sentiment_score":0.051846496760845184,"channel":0,"num_words":1,"start":740.57,"end":741.07},{"sentences":[{"text":"Yep.","start":740.73,"end":741.23,"sentiment":"neutral","sentiment_score":0.04313532635569573}],"sentiment":"neutral","sentiment_score":0.04313532635569573,"channel":1,"num_words":1,"start":740.73,"end":741.23},{"sentences":[{"text":"on page 14, you'll be able to see the changes and what is selling.","start":741.61005,"end":744.97003,"sentiment":"neutral","sentiment_score":0.04516607243567705},{"text":"So the key ones there that are selling purely because we sort of wanted to get rid of them was the Benelon because it 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alternative.","start":761.905,"end":763.825,"sentiment":"neutral","sentiment_score":-0.15548285759157604},{"text":"They're a defensive portion of your fund, which we're doing.","start":763.825,"end":767.28,"sentiment":"neutral","sentiment_score":-0.06489325165748597},{"text":"And then","start":767.84,"end":768.32,"sentiment":"neutral","sentiment_score":-0.06546592339873314}],"sentiment":"neutral","sentiment_score":-0.13305716670867873,"channel":0,"num_words":41,"start":755.105,"end":768.32},{"sentences":[{"text":"Yep.","start":768.095,"end":768.39,"sentiment":"neutral","sentiment_score":-0.05801188945770264}],"sentiment":"neutral","sentiment_score":-0.05801188945770264,"channel":1,"num_words":1,"start":768.095,"end":768.39},{"sentences":[{"text":"two, funds that have done quite well, but we're just looking at them because as I said, they're industry sort of specific and can cause a bit of a backwards dip.","start":768.32,"end":776.82,"sentiment":"neutral","sentiment_score":-0.1419457210408103},{"text":"You've got Batrium and Lithium Tech.","start":777.04004,"end":778.64,"sentiment":"neutral","sentiment_score":-0.08611500884095828},{"text":"Now although it's done quite well over the past twelve months there, it just means that if something was to go like Orion, that industry can really affect that performance.","start":778.64,"end":786.575,"sentiment":"neutral","sentiment_score":-0.17576666325330734},{"text":"And same with the cleavage rare infrastructure fund there as well.","start":786.635,"end":790.555,"sentiment":"neutral","sentiment_score":-0.1511693292043426},{"text":"Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry.","start":790.555,"end":795.935,"sentiment":"neutral","sentiment_score":-0.06491934390444505}],"sentiment":"neutral","sentiment_score":-0.134910695446828,"channel":0,"num_words":97,"start":768.32,"end":795.935},{"sentences":[{"text":"That means it can sort of, you know, be subject to those market downturns a little bit more heavily.","start":795.995,"end":800.69,"sentiment":"neutral","sentiment_score":-0.24685631653195933},{"text":"So we're just moving","start":800.91,"end":801.71,"sentiment":"neutral","sentiment_score":-0.008422189857810736}],"sentiment":"neutral","sentiment_score":-0.20538951189297697,"channel":0,"num_words":23,"start":795.995,"end":801.71},{"sentences":[{"text":"Yeah.","start":801.57,"end":802.07,"sentiment":"neutral","sentiment_score":0.0470225065946579}],"sentiment":"neutral","sentiment_score":0.0470225065946579,"channel":1,"num_words":1,"start":801.57,"end":802.07},{"sentences":[{"text":"your way into some different regions there to give you a bit of a 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there.","start":811.98505,"end":827.04504,"sentiment":"neutral","sentiment_score":0.14741993088113226}],"sentiment":"neutral","sentiment_score":0.14596724967601932,"channel":0,"num_words":79,"start":801.71,"end":827.04504},{"sentences":[{"text":"Yeah.","start":828.29,"end":828.79,"sentiment":"neutral","sentiment_score":0.300409197807312}],"sentiment":"neutral","sentiment_score":0.300409197807312,"channel":1,"num_words":1,"start":828.29,"end":828.79},{"sentences":[{"text":"Perfect.","start":830.06,"end":830.56,"sentiment":"positive","sentiment_score":0.49955421686172485},{"text":"Yeah.","start":831.98,"end":832.38,"sentiment":"neutral","sentiment_score":0.29111436009407043},{"text":"Just spreading it out across different regions, which encompass different companies and different industries there as well as opposed to being a little bit more industry specific with a few of those investments.","start":832.38,"end":841.51996,"sentiment":"neutral","sentiment_score":0.27667936411770905},{"text":"In addition to that one there, you'll still have a nice core portion in a composite bond there, which is like a fixed interest, which is a defensive portion there as well.","start":842.495,"end":851.935,"sentiment":"positive","sentiment_score":0.3351872581988573},{"text":"So in those market downturns with the interest rate that does go up, they generally perform a little bit better as well.","start":851.935,"end":858.29004,"sentiment":"neutral","sentiment_score":0.1494301896203648}],"sentiment":"neutral","sentiment_score":0.2689274609758613,"channel":0,"num_words":89,"start":830.06,"end":858.29004},{"sentences":[{"text":"Mhmm.","start":859.12,"end":859.62,"sentiment":"neutral","sentiment_score":0.06508633494377136}],"sentiment":"neutral","sentiment_score":0.06508633494377136,"channel":1,"num_words":1,"start":859.12,"end":859.62},{"sentences":[{"text":"Now as far as the 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higher.","start":946.07,"end":959.535,"sentiment":"neutral","sentiment_score":0.16890166544665894},{"text":"It's just like an over disclosure that if it was to perform at the the five year rolling average mark, that's what it would look like.","start":959.535,"end":966.35,"sentiment":"neutral","sentiment_score":0.17246082167212778},{"text":"Obviously, in terms of, like, the market and what is happening, there's no sort of replication that the next five years will be the same as the last five years.","start":966.35,"end":975.225,"sentiment":"neutral","sentiment_score":0.000010980044802029928},{"text":"It just gives you 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spread out in terms of, like, the areas which you encompass there.","start":1012.385,"end":1019.68,"sentiment":"neutral","sentiment_score":-0.07700765833258628},{"text":"It might perform slightly less in saying that, but it also might still perform slightly more because no one knows what the markets are gonna do.","start":1019.68,"end":1027.12,"sentiment":"neutral","sentiment_score":-0.0993544370509111},{"text":"But the guarantee is you'll be saving money.","start":1027.12,"end":1029.38,"sentiment":"neutral","sentiment_score":0.29734600614756346},{"text":"You'll be having a lot more diversification in terms of, like, regions and then also industry and a lot less, yeah, concentration in those two funds that are getting the majority of that growth out of your current fund,","start":1029.885,"end":1041.265,"sentiment":"neutral","sentiment_score":0.2287645683838771}],"sentiment":"neutral","sentiment_score":0.06930795300523845,"channel":0,"num_words":98,"start":1012.385,"end":1041.265},{"sentences":[{"text":"Yep.","start":1042.015,"end":1042.515,"sentiment":"neutral","sentiment_score":0.26797375082969666}],"sentiment":"neutral","sentiment_score":0.26797375082969666,"channel":1,"num_words":1,"start":1042.015,"end":1042.515},{"sentences":[{"text":"if that makes sense.","start":1043.9801,"end":1044.7001,"sentiment":"neutral","sentiment_score":0.1694985320791602},{"text":"Do you have any questions in regards to that at all there, Julie?","start":1044.7001,"end":1047.28,"sentiment":"neutral","sentiment_score":0.023344391527084205}],"sentiment":"neutral","sentiment_score":0.05773360106874915,"channel":0,"num_words":17,"start":1043.9801,"end":1047.28},{"sentences":[{"text":"No.","start":1047.66,"end":1047.8201,"sentiment":"neutral","sentiment_score":-0.2105027437210083},{"text":"As I said, I don't really understand at all.","start":1047.8201,"end":1050.06,"sentiment":"neutral","sentiment_score":-0.2996182259586122},{"text":"As long as you're making me money, I don't care.","start":1050.06,"end":1052.24,"sentiment":"negative","sentiment_score":-0.35816530138254166}],"sentiment":"neutral","sentiment_score":-0.32443598955869674,"channel":1,"num_words":20,"start":1047.66,"end":1052.24},{"sentences":[{"text":"Don't care too much.","start":1052.86,"end":1053.9801,"sentiment":"neutral","sentiment_score":-0.31297874450683594},{"text":"Yep.","start":1053.9801,"end":1054.4801,"sentiment":"neutral","sentiment_score":-0.05532344803214073},{"text":"No.","start":1055.0651,"end":1055.305,"sentiment":"neutral","sentiment_score":-0.12115046381950378},{"text":"Completely understandable.","start":1055.305,"end":1056.365,"sentiment":"neutral","sentiment_score":-0.03422187827527523},{"text":"As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more","start":1056.745,"end":1061.865,"sentiment":"neutral","sentiment_score":0.0013930871195736386}],"sentiment":"neutral","sentiment_score":-0.050606131617879045,"channel":0,"num_words":29,"start":1052.86,"end":1061.865},{"sentences":[{"text":"Yeah.","start":1061.74,"end":1062.06,"sentiment":"neutral","sentiment_score":0.05023318529129028}],"sentiment":"neutral","sentiment_score":0.05023318529129028,"channel":1,"num_words":1,"start":1061.74,"end":1062.06},{"sentences":[{"text":"than","start":1061.865,"end":1062.105,"sentiment":"neutral","sentiment_score":0.035325683653354645}],"sentiment":"neutral","sentiment_score":0.035325683653354645,"channel":0,"num_words":1,"start":1061.865,"end":1062.105},{"sentences":[{"text":"I","start":1062.06,"end":1062.3,"sentiment":"neutral","sentiment_score":0.1064399778842926}],"sentiment":"neutral","sentiment_score":0.1064399778842926,"channel":1,"num_words":1,"start":1062.06,"end":1062.3},{"sentences":[{"text":"fine.","start":1062.105,"end":1062.605,"sentiment":"neutral","sentiment_score":0.13151118159294128}],"sentiment":"neutral","sentiment_score":0.13151118159294128,"channel":0,"num_words":1,"start":1062.105,"end":1062.605},{"sentences":[{"text":"understand that.","start":1062.3,"end":1063.215,"sentiment":"neutral","sentiment_score":0.08347474038600922},{"text":"And that's","start":1063.375,"end":1063.695,"sentiment":"neutral","sentiment_score":0.07032015174627304}],"sentiment":"neutral","sentiment_score":0.07689744606614113,"channel":1,"num_words":4,"start":1062.3,"end":1063.695},{"sentences":[{"text":"Yeah.","start":1063.625,"end":1064.125,"sentiment":"neutral","sentiment_score":0.1909169554710388}],"sentiment":"neutral","sentiment_score":0.1909169554710388,"channel":0,"num_words":1,"start":1063.625,"end":1064.125},{"sentences":[{"text":"that's what I said.","start":1063.695,"end":1064.6549,"sentiment":"neutral","sentiment_score":0.2308342084288597},{"text":"That's why I trust you guys.","start":1064.6549,"end":1066.4149,"sentiment":"positive","sentiment_score":0.545082246263822},{"text":"You've done really well for us.","start":1066.4149,"end":1068.735,"sentiment":"positive","sentiment_score":0.8122160335381826},{"text":"And, yeah, I trust everything that you tell me to do.","start":1068.735,"end":1072.895,"sentiment":"positive","sentiment_score":0.6433647871017456},{"text":"And that's why I tell you to do whatever you think.","start":1072.895,"end":1076.195,"sentiment":"positive","sentiment_score":0.38167390769178217}],"sentiment":"positive","sentiment_score":0.535330319875165,"channel":1,"num_words":38,"start":1063.695,"end":1076.195},{"sentences":[{"text":"You need to","start":1076.735,"end":1077.2949,"sentiment":"neutral","sentiment_score":0.19956553479035696}],"sentiment":"neutral","sentiment_score":0.19956553479035696,"channel":1,"num_words":3,"start":1076.735,"end":1077.2949},{"sentences":[{"text":"Perfect.","start":1077.16,"end":1077.66,"sentiment":"neutral","sentiment_score":0.22216194868087769}],"sentiment":"neutral","sentiment_score":0.22216194868087769,"channel":0,"num_words":1,"start":1077.16,"end":1077.66},{"sentences":[{"text":"move it.","start":1077.2949,"end":1077.695,"sentiment":"neutral","sentiment_score":0.22366544604301453},{"text":"Move it.","start":1077.695,"end":1078.17,"sentiment":"neutral","sentiment_score":0.21864302456378937}],"sentiment":"neutral","sentiment_score":0.22115423530340195,"channel":1,"num_words":4,"start":1077.2949,"end":1078.17},{"sentences":[{"text":"Yeah.","start":1079.5751,"end":1079.9751,"sentiment":"neutral","sentiment_score":0.1862996518611908},{"text":"So with that, a lot of the core of your portfolio will stay the same.","start":1079.9751,"end":1083.3351,"sentiment":"neutral","sentiment_score":0.2381584256887436},{"text":"It'll get rid of those underperformers.","start":1083.3351,"end":1084.555,"sentiment":"neutral","sentiment_score":0.056398196456333004},{"text":"It's just those key sort of holdings that you do that are performing quite well.","start":1085.015,"end":1088.535,"sentiment":"neutral","sentiment_score":0.24606746037801105},{"text":"You won't just have those moving forward, but that's not a bad thing in the sense that they've had, like, a nice bit of growth now.","start":1088.535,"end":1093.4951,"sentiment":"positive","sentiment_score":0.3403798731473776}],"sentiment":"neutral","sentiment_score":0.26409450513384647,"channel":0,"num_words":63,"start":1079.5751,"end":1093.4951},{"sentences":[{"text":"So, you know, taking a bit of that gain now and then holding that versus if it was to take a bit of a dip and then having to wait for that to recover isn't a bad thing either.","start":1093.4951,"end":1103.13,"sentiment":"neutral","sentiment_score":0.25627417862415314}],"sentiment":"neutral","sentiment_score":0.25627417862415314,"channel":0,"num_words":39,"start":1093.4951,"end":1103.13},{"sentences":[{"text":"Yeah.","start":1103.785,"end":1104.0,"sentiment":"neutral","sentiment_score":0.19206856191158295}],"sentiment":"neutral","sentiment_score":0.19206856191158295,"channel":1,"num_words":1,"start":1103.785,"end":1104.0},{"sentences":[{"text":"As far as the rest of the document there as well, given that your beneficiary nomination is up to date there with your partner there, Keith, that's fine.","start":1104.71,"end":1111.435,"sentiment":"neutral","sentiment_score":0.21301999262401036},{"text":"As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that.","start":1111.495,"end":1126.53,"sentiment":"neutral","sentiment_score":0.21877749432932656},{"text":"It really makes things a lot easier.","start":1126.59,"end":1128.37,"sentiment":"positive","sentiment_score":0.46292809929166523}],"sentiment":"neutral","sentiment_score":0.23636663281782108,"channel":0,"num_words":88,"start":1104.71,"end":1128.37},{"sentences":[{"text":"Mhmm.","start":1129.135,"end":1129.635,"sentiment":"neutral","sentiment_score":0.01228615827858448}],"sentiment":"neutral","sentiment_score":0.01228615827858448,"channel":1,"num_words":1,"start":1129.135,"end":1129.635},{"sentences":[{"text":"One of the the important things with the switch with the markets being so volatile at the moment, there is just an importance to note that the assets that have to get sold down and then transferred or, you know, across, it just means that the time out of the market, it can fluctuate a lot more given what is happening at the moment.","start":1130.19,"end":1146.4149,"sentiment":"neutral","sentiment_score":-0.037640332273440436},{"text":"But given that it's all sort of down at the moment, buying low and but selling low and buying low isn't the the worst thing.","start":1146.4149,"end":1152.59,"sentiment":"negative","sentiment_score":-0.37544166564941406},{"text":"It's if it sort of recovered significantly in that time, which the likelihood that it sort of bounces back considerably is, like, still quite slim.","start":1152.59,"end":1160.99,"sentiment":"negative","sentiment_score":-0.596502035856247},{"text":"It's just sort of at the moment with those ups and downs, you don't really know.","start":1160.99,"end":1164.165,"sentiment":"negative","sentiment_score":-0.35164796747267246},{"text":"That's just something to be aware of with that risk.","start":1164.645,"end":1166.7251,"sentiment":"negative","sentiment_score":-0.39114113450050353}],"sentiment":"neutral","sentiment_score":-0.2588953759122108,"channel":0,"num_words":140,"start":1130.19,"end":1166.7251},{"sentences":[{"text":"But in terms of, like, a total cost loss or anything like that, it could go either way where if it drops more considerably in that time while you're in cash, you might actually buy at a little bit of a lower cost base.","start":1166.7251,"end":1177.2051,"sentiment":"neutral","sentiment_score":-0.23068391514772718},{"text":"But if it goes up slightly, you might buy at a bit of a higher cost base.","start":1177.2051,"end":1180.12,"sentiment":"neutral","sentiment_score":-0.263204466770677},{"text":"It's just something to be aware of as well.","start":1180.12,"end":1182.14,"sentiment":"neutral","sentiment_score":-0.16995713611443838}],"sentiment":"neutral","sentiment_score":-0.23077403466616359,"channel":0,"num_words":70,"start":1166.7251,"end":1182.14},{"sentences":[{"text":"Mhmm.","start":1182.76,"end":1183.26,"sentiment":"neutral","sentiment_score":-0.021349433809518818}],"sentiment":"neutral","sentiment_score":-0.021349433809518818,"channel":1,"num_words":1,"start":1182.76,"end":1183.26},{"sentences":[{"text":"And then as far as the will and power of attorney is considered, obviously, I could go through it a little bit more in-depth.","start":1185.72,"end":1191.72,"sentiment":"neutral","sentiment_score":0.01146072781799982},{"text":"But do you have many questions in regards to setting up a will or power of attorney or anything","start":1191.72,"end":1195.635,"sentiment":"neutral","sentiment_score":0.007386667751952221}],"sentiment":"neutral","sentiment_score":0.009660561742304369,"channel":0,"num_words":43,"start":1185.72,"end":1195.635},{"sentences":[{"text":"No.","start":1197.0149,"end":1197.335,"sentiment":"neutral","sentiment_score":-0.17586594820022583},{"text":"I don't.","start":1197.335,"end":1197.995,"sentiment":"neutral","sentiment_score":-0.2480023354291916}],"sentiment":"neutral","sentiment_score":-0.22395687301953635,"channel":1,"num_words":3,"start":1197.0149,"end":1197.995},{"sentences":[{"text":"that, Julie?","start":1197.635,"end":1198.935,"sentiment":"neutral","sentiment_score":-0.17606759816408157}],"sentiment":"neutral","sentiment_score":-0.17606759816408157,"channel":0,"num_words":2,"start":1197.635,"end":1198.935},{"sentences":[{"text":"Not","start":1199.095,"end":1199.4149,"sentiment":"negative","sentiment_score":-0.5220130681991577}],"sentiment":"negative","sentiment_score":-0.5220130681991577,"channel":1,"num_words":1,"start":1199.095,"end":1199.4149},{"sentences":[{"text":"Happy","start":1199.235,"end":1199.635,"sentiment":"negative","sentiment_score":-0.40888985991477966}],"sentiment":"negative","sentiment_score":-0.40888985991477966,"channel":0,"num_words":1,"start":1199.235,"end":1199.635},{"sentences":[{"text":"really.","start":1199.4149,"end":1199.815,"sentiment":"negative","sentiment_score":-0.3619155287742615}],"sentiment":"negative","sentiment_score":-0.3619155287742615,"channel":1,"num_words":1,"start":1199.4149,"end":1199.815},{"sentences":[{"text":"just","start":1199.635,"end":1199.875,"sentiment":"neutral","sentiment_score":-0.2315342128276825}],"sentiment":"neutral","sentiment_score":-0.2315342128276825,"channel":0,"num_words":1,"start":1199.635,"end":1199.875},{"sentences":[{"text":"I","start":1199.815,"end":1199.8949,"sentiment":"neutral","sentiment_score":-0.25257161259651184}],"sentiment":"neutral","sentiment_score":-0.25257161259651184,"channel":1,"num_words":1,"start":1199.815,"end":1199.8949},{"sentences":[{"text":"to, like yeah.","start":1199.875,"end":1201.255,"sentiment":"neutral","sentiment_score":-0.17649890979131064}],"sentiment":"neutral","sentiment_score":-0.17649890979131064,"channel":0,"num_words":3,"start":1199.875,"end":1201.255},{"sentences":[{"text":"yeah.","start":1202.375,"end":1202.875,"sentiment":"neutral","sentiment_score":-0.09545095264911652},{"text":"We have a will, but it's, like, 30 years old.","start":1203.42,"end":1207.76,"sentiment":"neutral","sentiment_score":-0.13253312706947326},{"text":"A lot.","start":1208.4601,"end":1209.1001,"sentiment":"neutral","sentiment_score":-0.14569499343633652},{"text":"So, yeah, we have to oh, it's 33 years old, actually.","start":1209.1001,"end":1213.2001,"sentiment":"neutral","sentiment_score":-0.12292854352430864},{"text":"32, something like 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matter matter of getting to phone or somewhere to Yes.","start":1224.7949,"end":1230.335,"sentiment":"neutral","sentiment_score":0.030881999737837097},{"text":"Voice enough and getting it done.","start":1230.5549,"end":1234.15,"sentiment":"neutral","sentiment_score":0.05456339940428734}],"sentiment":"neutral","sentiment_score":0.03924014079658424,"channel":1,"num_words":17,"start":1224.7949,"end":1234.15},{"sentences":[{"text":"Yeah.","start":1235.68,"end":1236.18,"sentiment":"neutral","sentiment_score":0.013963969424366953},{"text":"Obviously, there is the option to do a potential, like, post office rules and things like that.","start":1236.2401,"end":1240.0,"sentiment":"neutral","sentiment_score":-0.0009492751868332134},{"text":"But given that it might be sort of, you know, better to get it all in the one document from a solicitor, those post office rules can be a little bit janky in the sense that if it sort of you fill out one section wrong, it might not be valid and things like 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problem.","start":1299.11,"end":1299.93,"sentiment":"neutral","sentiment_score":0.2495497688651085},{"text":"As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you.","start":1300.79,"end":1311.725,"sentiment":"neutral","sentiment_score":0.2528495434291509},{"text":"As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you.","start":1311.725,"end":1317.245,"sentiment":"neutral","sentiment_score":0.11109279601701669},{"text":"Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney.","start":1317.245,"end":1322.04,"sentiment":"neutral","sentiment_score":0.12357027331988017},{"text":"We obviously just put in 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unfortunately.","start":1326.1,"end":1328.28,"sentiment":"neutral","sentiment_score":-0.0683321338146925}],"sentiment":"neutral","sentiment_score":0.17255464060740036,"channel":0,"num_words":22,"start":1322.98,"end":1328.28},{"sentences":[{"text":"Yep.","start":1329.255,"end":1329.755,"sentiment":"neutral","sentiment_score":0.061410363763570786}],"sentiment":"neutral","sentiment_score":0.061410363763570786,"channel":1,"num_words":1,"start":1329.255,"end":1329.755},{"sentences":[{"text":"But in regards to the document there at all, Julie, do you have any questions about anything that I've covered, anything I haven't covered that you wanna have a chat about?","start":1329.38,"end":1337.9551,"sentiment":"neutral","sentiment_score":0.025796481378136144},{"text":"Or","start":1337.9551,"end":1338.1951,"sentiment":"neutral","sentiment_score":-0.004482276737689972}],"sentiment":"neutral","sentiment_score":0.024850270187016577,"channel":0,"num_words":32,"start":1329.38,"end":1338.1951},{"sentences":[{"text":"No.","start":1339.14,"end":1339.38,"sentiment":"neutral","sentiment_score":-0.13991165161132812},{"text":"I'm pretty good.","start":1339.38,"end":1340.1,"sentiment":"neutral","sentiment_score":0.13812283674875894},{"text":"You're pretty good, honey.","start":1340.1,"end":1341.3,"sentiment":"positive","sentiment_score":0.520034909248352},{"text":"Yeah.","start":1341.3,"end":1341.8,"sentiment":"neutral","sentiment_score":0.24871395528316495},{"text":"Yeah.","start":1341.86,"end":1342.36,"sentiment":"neutral","sentiment_score":0.2204803228378296}],"sentiment":"neutral","sentiment_score":0.2823790773749352,"channel":1,"num_words":10,"start":1339.14,"end":1342.36},{"sentences":[{"text":"Yeah.","start":1342.74,"end":1343.14,"sentiment":"neutral","sentiment_score":0.2317362129688263},{"text":"I'll he'll sit down and read it all once I get off the phone.","start":1343.14,"end":1346.76,"sentiment":"neutral","sentiment_score":0.2030387424996921},{"text":"And","start":1347.7,"end":1348.2,"sentiment":"neutral","sentiment_score":0.20211927592754364}],"sentiment":"neutral","sentiment_score":0.2047748677432537,"channel":1,"num_words":16,"start":1342.74,"end":1348.2},{"sentences":[{"text":"Yeah.","start":1348.13,"end":1348.63,"sentiment":"neutral","sentiment_score":0.19343996047973633}],"sentiment":"neutral","sentiment_score":0.19343996047973633,"channel":0,"num_words":1,"start":1348.13,"end":1348.63},{"sentences":[{"text":"and if he's happy with it, I'll just sign it.","start":1349.0599,"end":1351.215,"sentiment":"neutral","sentiment_score":0.2610927730798721}],"sentiment":"neutral","sentiment_score":0.2610927730798721,"channel":1,"num_words":10,"start":1349.0599,"end":1351.215},{"sentences":[{"text":"Not a problem.","start":1352.13,"end":1352.9501,"sentiment":"neutral","sentiment_score":0.24866690735022226},{"text":"And then, Keith,","start":1354.385,"end":1355.665,"sentiment":"neutral","sentiment_score":0.09984399129947026}],"sentiment":"neutral","sentiment_score":0.17425544932484627,"channel":0,"num_words":6,"start":1352.13,"end":1355.665},{"sentences":[{"text":"Right.","start":1355.455,"end":1355.955,"sentiment":"neutral","sentiment_score":0.09203550219535828}],"sentiment":"neutral","sentiment_score":0.09203550219535828,"channel":1,"num_words":1,"start":1355.455,"end":1355.955},{"sentences":[{"text":"I know you're there in the background too.","start":1355.665,"end":1356.9451,"sentiment":"neutral","sentiment_score":0.06443139398470521},{"text":"Do you have any questions in regards to that at all?","start":1356.9451,"end":1359.285,"sentiment":"neutral","sentiment_score":0.06284666603261774}],"sentiment":"neutral","sentiment_score":0.06351391990718089,"channel":0,"num_words":19,"start":1355.665,"end":1359.285},{"sentences":[{"text":"No.","start":1359.5349,"end":1359.775,"sentiment":"neutral","sentiment_score":-0.06163466721773147},{"text":"It's pretty common sense.","start":1359.775,"end":1360.895,"sentiment":"neutral","sentiment_score":0.049386315047740936},{"text":"I just changed in some portfolios and changing","start":1360.895,"end":1365.46,"sentiment":"neutral","sentiment_score":-0.02419336000457406}],"sentiment":"neutral","sentiment_score":-0.004433560543335401,"channel":1,"num_words":13,"start":1359.5349,"end":1365.46},{"sentences":[{"text":"Yeah.","start":1365.265,"end":1365.765,"sentiment":"neutral","sentiment_score":-0.014246456325054169}],"sentiment":"neutral","sentiment_score":-0.014246456325054169,"channel":0,"num_words":1,"start":1365.265,"end":1365.765},{"sentences":[{"text":"risks and that, but, yeah, pretty straightforward.","start":1365.46,"end":1367.72,"sentiment":"neutral","sentiment_score":-0.00786855470921312}],"sentiment":"neutral","sentiment_score":-0.00786855470921312,"channel":1,"num_words":7,"start":1365.46,"end":1367.72},{"sentences":[{"text":"Exactly.","start":1368.88,"end":1369.36,"sentiment":"neutral","sentiment_score":-0.0074414825066924095},{"text":"The the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward.","start":1369.36,"end":1379.2999,"sentiment":"neutral","sentiment_score":-0.29553620879714554},{"text":"And","start":1380.0,"end":1380.24,"sentiment":"neutral","sentiment_score":-0.10255208611488342}],"sentiment":"neutral","sentiment_score":-0.28320085369528103,"channel":0,"num_words":39,"start":1368.88,"end":1380.24},{"sentences":[{"text":"Yeah.","start":1380.1,"end":1380.375,"sentiment":"neutral","sentiment_score":-0.014066092669963837}],"sentiment":"neutral","sentiment_score":-0.014066092669963837,"channel":1,"num_words":1,"start":1380.1,"end":1380.375},{"sentences":[{"text":"that's to just have a little bit more guarantee that, you know, you do have that diversification.","start":1380.24,"end":1385.035,"sentiment":"neutral","sentiment_score":0.12330019550726694},{"text":"You do have those funds which have historically","start":1385.255,"end":1388.235,"sentiment":"neutral","sentiment_score":0.15538182202726603}],"sentiment":"neutral","sentiment_score":0.13356631599366664,"channel":0,"num_words":25,"start":1380.24,"end":1388.235},{"sentences":[{"text":"Yes.","start":1388.215,"end":1388.715,"sentiment":"neutral","sentiment_score":0.30822038650512695}],"sentiment":"neutral","sentiment_score":0.30822038650512695,"channel":1,"num_words":1,"start":1388.215,"end":1388.715},{"sentences":[{"text":"performed well.","start":1388.375,"end":1389.255,"sentiment":"positive","sentiment_score":0.36080554127693176},{"text":"You obviously don't have the upside of potentially outperforming the market, but if you get to 60, you wanna draw down some of your funds and, you know, your two top performance in those managed funds have a bad year like Benelon, it can really sort of hurt your superannuation sort of at a year when you probably wanna look at drawing down, not waiting another three years for it to recover, if that makes sense.","start":1389.255,"end":1407.165,"sentiment":"negative","sentiment_score":-0.4764909894254647}],"sentiment":"negative","sentiment_score":-0.45502184761258274,"channel":0,"num_words":78,"start":1388.375,"end":1407.165},{"sentences":[{"text":"Yeah.","start":1407.2301,"end":1407.55,"sentiment":"neutral","sentiment_score":-0.2395920008420944},{"text":"Well, that's the only that's only talk about Ben along in that because of the the way it's heading.","start":1407.55,"end":1412.445,"sentiment":"neutral","sentiment_score":-0.2793014535778447},{"text":"Like, everybody's, like, stepping away from it.","start":1412.445,"end":1416.9249,"sentiment":"negative","sentiment_score":-0.43606532897268024},{"text":"So it's like it's probably a good thing for the industry when everybody's saying, like, well, everybody's step away for a minute, and, yeah, we're changing our investments because it's not really good for the future.","start":1416.9249,"end":1427.7201,"sentiment":"negative","sentiment_score":-0.40883975848555565},{"text":"So","start":1427.78,"end":1428.28,"sentiment":"neutral","sentiment_score":-0.18791869282722473}],"sentiment":"negative","sentiment_score":-0.3672644831240177,"channel":1,"num_words":64,"start":1407.2301,"end":1428.28},{"sentences":[{"text":"Yeah.","start":1430.06,"end":1430.38,"sentiment":"neutral","sentiment_score":-0.1923350691795349},{"text":"And then that's what to say that ClearBridge and lithium tech might not still perform moving forward.","start":1430.38,"end":1436.065,"sentiment":"neutral","sentiment_score":-0.20302046747768626},{"text":"It's to say that they're just a little bit more volatile in terms of being so industry specific that if they have a bad year, it can really sort of hurt your portfolio where","start":1436.065,"end":1444.885,"sentiment":"negative","sentiment_score":-0.36276965413023443}],"sentiment":"neutral","sentiment_score":-0.3072663703216956,"channel":0,"num_words":52,"start":1430.06,"end":1444.885},{"sentences":[{"text":"Yes.","start":1444.995,"end":1445.495,"sentiment":"neutral","sentiment_score":-0.06931861490011215}],"sentiment":"neutral","sentiment_score":-0.06931861490011215,"channel":1,"num_words":1,"start":1444.995,"end":1445.495},{"sentences":[{"text":"the the updated portfolio is a little bit more diversified.","start":1445.105,"end":1448.245,"sentiment":"neutral","sentiment_score":-0.06311463750898838},{"text":"And you still have a bit of cyber security in there as well, which is another bit of a satellite, but it's sort of, you know, a little bit less industry specific.","start":1448.305,"end":1456.76,"sentiment":"neutral","sentiment_score":-0.09076592570636421},{"text":"And, you know, cyber security is a bit of a global thing, whereas sort of rare infrastructure can be a little bit more specific.","start":1456.76,"end":1464.215,"sentiment":"neutral","sentiment_score":-0.13616801891475916},{"text":"And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well.","start":1464.215,"end":1473.595,"sentiment":"neutral","sentiment_score":-0.12542230867453524}],"sentiment":"neutral","sentiment_score":-0.11110984342335498,"channel":0,"num_words":103,"start":1445.105,"end":1473.595},{"sentences":[{"text":"Yep.","start":1474.285,"end":1474.785,"sentiment":"neutral","sentiment_score":0.04077156260609627},{"text":"That's fine.","start":1474.925,"end":1475.405,"sentiment":"neutral","sentiment_score":0.12245311588048935},{"text":"I don't know.","start":1475.405,"end":1476.205,"sentiment":"neutral","sentiment_score":-0.0547373096148173},{"text":"Pretty 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correct?","start":1518.3301,"end":1519.15,"sentiment":"neutral","sentiment_score":0.03273744943241278}],"sentiment":"neutral","sentiment_score":0.026341855594957317,"channel":1,"num_words":27,"start":1511.61,"end":1519.15},{"sentences":[{"text":"Yes.","start":1519.555,"end":1519.875,"sentiment":"neutral","sentiment_score":0.10089752078056335},{"text":"You'll have it the key holding there will be, yeah, S and P 500 still.","start":1519.875,"end":1524.035,"sentiment":"neutral","sentiment_score":0.1009356732169787},{"text":"It's around 24%, 25 in the top 500 companies in America.","start":1524.035,"end":1528.375,"sentiment":"neutral","sentiment_score":0.1270236616784876},{"text":"You'll 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alternative.","start":1559.8799,"end":1567.1799,"sentiment":"neutral","sentiment_score":0.15662627609876487},{"text":"It can be considered a bit more growth at the moment, but still somewhat defensive.","start":1567.24,"end":1570.7799,"sentiment":"neutral","sentiment_score":0.08844390561183293},{"text":"And then the cybersecurity, which is about 4%, which cybersecurity is a bit of a global thing at the moment anyway, and I don't see it going anywhere anytime soon.","start":1571.275,"end":1579.455,"sentiment":"neutral","sentiment_score":-0.07893303943177064}],"sentiment":"neutral","sentiment_score":0.07333654177157169,"channel":0,"num_words":94,"start":1553.5651,"end":1579.455},{"sentences":[{"text":"That's correct.","start":1580.585,"end":1581.405,"sentiment":"neutral","sentiment_score":0.22691772878170013},{"text":"Yeah.","start":1582.505,"end":1583.005,"sentiment":"neutral","sentiment_score":0.19586969912052157},{"text":"Yep.","start":1583.225,"end":1583.725,"sentiment":"neutral","sentiment_score":0.21842080354690552}],"sentiment":"neutral","sentiment_score":0.21703149005770683,"channel":1,"num_words":4,"start":1580.585,"end":1583.725},{"sentences":[{"text":"Feel free to have a a look through it, guys, come back with any questions you might have.","start":1583.91,"end":1587.6901,"sentiment":"neutral","sentiment_score":0.2677578437659476},{"text":"Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys.","start":1588.0701,"end":1596.8049,"sentiment":"positive","sentiment_score":0.43038775899061343},{"text":"And if you just wanna respond to that with any questions you have, we'll get pulled back in.","start":1596.8049,"end":1600.005,"sentiment":"neutral","sentiment_score":0.20679131398598352},{"text":"Just call up one of the team.","start":1600.005,"end":1601.365,"sentiment":"neutral","sentiment_score":0.19440160265990666},{"text":"We'll get you scheduled in.","start":1601.365,"end":1602.325,"sentiment":"neutral","sentiment_score":0.27532489895820617}],"sentiment":"neutral","sentiment_score":0.32500245698382346,"channel":0,"num_words":89,"start":1583.91,"end":1602.325},{"sentences":[{"text":"That's not a problem at all.","start":1602.325,"end":1603.625,"sentiment":"positive","sentiment_score":0.48561209936936695}],"sentiment":"positive","sentiment_score":0.48561209936936695,"channel":0,"num_words":6,"start":1602.325,"end":1603.625},{"sentences":[{"text":"Okay.","start":1604.135,"end":1604.375,"sentiment":"positive","sentiment_score":0.5737807750701904},{"text":"That'll be great.","start":1604.375,"end":1605.0951,"sentiment":"positive","sentiment_score":0.7942868073781332},{"text":"Thank you.","start":1605.0951,"end":1605.675,"sentiment":"positive","sentiment_score":0.7919319868087769}],"sentiment":"positive","sentiment_score":0.7567508618036906,"channel":1,"num_words":6,"start":1604.135,"end":1605.675},{"sentences":[{"text":"No problem, guys.","start":1606.1749,"end":1606.735,"sentiment":"positive","sentiment_score":0.5466394623120626},{"text":"Well, thanks for your time this afternoon.","start":1606.735,"end":1608.1749,"sentiment":"positive","sentiment_score":0.7223291226795742},{"text":"I'll let you get back to it, and you can enjoy the rest of the hour.","start":1608.1749,"end":1610.5149,"sentiment":"positive","sentiment_score":0.6262350231409073}],"sentiment":"positive","sentiment_score":0.6429224083056817,"channel":0,"num_words":26,"start":1606.1749,"end":1610.5149},{"sentences":[{"text":"Okay.","start":1610.935,"end":1611.3351,"sentiment":"positive","sentiment_score":0.5159338712692261},{"text":"Thanks very much.","start":1611.3351,"end":1612.335,"sentiment":"positive","sentiment_score":0.7544455130894979}],"sentiment":"positive","sentiment_score":0.6948176026344299,"channel":1,"num_words":4,"start":1610.935,"end":1612.335},{"sentences":[{"text":"Thanks, guys.","start":1612.575,"end":1613.2949,"sentiment":"positive","sentiment_score":0.6529440879821777},{"text":"Bye.","start":1613.2949,"end":1613.7949,"sentiment":"positive","sentiment_score":0.3989807367324829}],"sentiment":"positive","sentiment_score":0.5682896375656128,"channel":0,"num_words":3,"start":1612.575,"end":1613.7949},{"sentences":[{"text":"Okay.","start":1613.695,"end":1614.1749,"sentiment":"neutral","sentiment_score":0.18289947509765625},{"text":"Bye.","start":1614.1749,"end":1614.6749,"sentiment":"neutral","sentiment_score":0.12289689481258392}],"sentiment":"neutral","sentiment_score":0.1528981849551201,"channel":1,"num_words":2,"start":1613.695,"end":1614.6749}]},"summary":{"result":"success","short":"Representatives from O qualified Financial speak with customers to provide advice on their financial plans and strategies. They recommend a more diversified approach with a portfolio that has a little bit more diversification, and emphasize the importance of reducing risk and removing underperforming assets. The company will save money and have more diversification across different industries and regions, and emphasizes the importance of diversification and preparation for potential risks. The process for updating a will and power of attorney is straightforward, and the speaker emphasizes the importance of understanding the market and setting up a will and power of attorney in conjunction with a statement. The risk and exposure of various funds is discussed, and the process for updating a will and power of attorney is explained."},"intents":{"segments":[{"text":"Now I've got you scheduled in for that statement advice piece today. Is now still a good time for you to be able to run through that? Yeah.","start_word":18,"end_word":45,"intents":[{"intent":"Schedule statement advice","confidence_score":0.24570721}]},{"text":"And then it'll have a a link if you're happy with the advice to be able to sign that or not there Yep. as well.","start_word":339,"end_word":363,"intents":[{"intent":"Provide advice","confidence_score":0.008985586},{"intent":"Provide instructions","confidence_score":0.015422364}]},{"text":"your time on board and just to make sure that the ones that are there are sort of still performing and then sort of looking forward to sort of giving you getting closer to the age of 60, maybe potentially out of access some of your funds and things like that as well.","start_word":438,"end_word":490,"intents":[{"intent":"Discuss future access","confidence_score":0.00054448505}]},{"text":"being mindful of that. So Keith had it.","start_word":494,"end_word":501,"intents":[{"intent":"Ensure understanding","confidence_score":0.0018252083}]},{"text":"If you've got a laptop there as well, you should be able to bring it up on your your laptop on that email to have a look Oh, at no.","start_word":525,"end_word":554,"intents":[{"intent":"Bring laptop","confidence_score":0.0070280787}]},{"text":"So I can go through the the document, let you know the key points, and then yourself and Keith, they can have a a look through it afterwards. And when you're sort of not having me jabbering in the background, have a chance to read through some of the the document yourselves after the phone call. Yep.","start_word":617,"end_word":673,"intents":[{"intent":"Check documents","confidence_score":0.000007304918},{"intent":"Review document","confidence_score":0.35565996},{"intent":"Read document","confidence_score":0.0702938}]},{"text":"In this document here, in regards to the the scoping there, obviously, we take your best interest, Judy, into consideration that everything we provide advice on, we try and put you in a better position than what you were currently. And as Yep.","start_word":705,"end_word":747,"intents":[{"intent":"Recommend advice and advice","confidence_score":0.00038464766},{"intent":"Provide advice in planning","confidence_score":0.0000071755558}]},{"text":"As far as the things that we're aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings. I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself. Yep.","start_word":825,"end_word":880,"intents":[{"intent":"Address concerns","confidence_score":0.0005740948}]},{"text":"Now we obviously, wills and estates too. You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later Mhmm.","start_word":1130,"end_word":1181,"intents":[{"intent":"Educate on wills and estates","confidence_score":0.0011546751}]},{"text":"On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities.","start_word":1183,"end_word":1204,"intents":[{"intent":"Discuss personal details","confidence_score":0.52218455}]},{"text":"But as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment switch.","start_word":1247,"end_word":1280,"intents":[{"intent":"Recommend investment switch","confidence_score":0.01839165}]},{"text":"Now as far as your risk profile goes there, Julie, you did score as, like, a growth, which is about an eighty twenty split.","start_word":1282,"end_word":1305,"intents":[{"intent":"Discuss risk profile","confidence_score":0.49422583}]},{"text":"aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there.","start_word":1380,"end_word":1407,"intents":[{"intent":"Evaluate defensive assets","confidence_score":0.011607264}]},{"text":"Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well. Yep.","start_word":1408,"end_word":1443,"intents":[{"intent":"Evaluate market downturns","confidence_score":0.09726799}]},{"text":"the funds that we are recommending we're recommending just moving to a more index approach.","start_word":1742,"end_word":1756,"intents":[{"intent":"Recommend moving to index approach","confidence_score":0.015468762}]},{"text":"And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well.","start_word":1797,"end_word":1838,"intents":[{"intent":"Update portfolio","confidence_score":0.22826678}]},{"text":"I don't understand Yep. any of it. So it's entirely entirely in your hands to do the right move for me, I guess. Yep.","start_word":1959,"end_word":1982,"intents":[{"intent":"Understand and recommend recommendations","confidence_score":0.004923767}]},{"text":"Feel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it. There is a best interest, Judy, in regards to why we recommended the way we did. The Yep.","start_word":2139,"end_word":2177,"intents":[{"intent":"Have a discussion with keith","confidence_score":0.005479999}]},{"text":"main key point there is you will be able to have lower investment fees as well. Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments. And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you. Yep.","start_word":2179,"end_word":2253,"intents":[{"intent":"Optimize portfolio diversification","confidence_score":0.053241193}]},{"text":"Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry. That means it can sort of, you know, be subject to those market downturns a little bit more heavily.","start_word":2557,"end_word":2594,"intents":[{"intent":"Providing information about market downturns","confidence_score":0.0006706291}]},{"text":"So you'll still have your key holdings in the S and P five hundred. You'll still have a key holding in Australia, but then you'll also have some exposure outside The US in sort of Europe, Japan, and then all world excluding The US as well, which will give you a nice sort of range across different geographic locations there. Yeah. Perfect.","start_word":2618,"end_word":2679,"intents":[{"intent":"Explaining investment portfolios","confidence_score":0.0011654609}]},{"text":"Now as far as the asset allocation, currently around sort of the $70.30 mark in terms of growth versus defensive assets. With the the upgraded portfolio there, it will be around 75% growth, around 24% defensive, which is a little bit more allocation of growth asset.","start_word":2769,"end_word":2814,"intents":[{"intent":"Mentioning portfolio size and growth","confidence_score":0.000036736936},{"intent":"Considering portfolio portfolio size","confidence_score":0.000012481874}]},{"text":"On page 16, you'll be able to see a table of that and an illustration of what the cost difference will be. No. So I there is the balance there currently minus the the CDT that would be liable to the account. And then with that, with the change, the investment fee drops quite considerably down $258.","start_word":2888,"end_word":2944,"intents":[{"intent":"Mentioning cost reduction","confidence_score":0.039182156}]},{"text":"No. So I there is the balance there currently minus the the CDT that would be liable to the account. And then with that, with the change, the investment fee drops quite considerably down $258.","start_word":2910,"end_word":2944,"intents":[{"intent":"Explaining investment fee reduction","confidence_score":0.010771926}]},{"text":"So that's money you're guaranteed to be saving each year in terms of, like, the the fee you'll be paying for your investment costs.","start_word":2946,"end_word":2969,"intents":[{"intent":"Conserve money","confidence_score":0.04203278}]},{"text":"So you'll retain that capital gains in a couple of years just based on those savings alone, and then Yep.","start_word":2969,"end_word":2988,"intents":[{"intent":"Retain capital gains","confidence_score":0.22797506}]},{"text":"And although the performance is slightly less, you also carry less major risk. It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well.","start_word":3128,"end_word":3187,"intents":[{"intent":"Optimize growth","confidence_score":0.012896735},{"intent":"Optimize performance","confidence_score":0.08108311}]},{"text":"It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well.","start_word":3141,"end_word":3187,"intents":[{"intent":"Streamline diversification","confidence_score":0.0051280786}]},{"text":"No. As I said, I don't really understand at all. As long as you're making me money, I don't care. Don't care too much. Yep. No. Completely understandable. As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more Yeah.","start_word":3347,"end_word":3396,"intents":[{"intent":"Acknowledge and optimize portfolio management","confidence_score":0.00001003256}]},{"text":"As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more Yeah.","start_word":3375,"end_word":3396,"intents":[{"intent":"Educate about investments and trust","confidence_score":0.0009878053}]},{"text":"As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that. It really makes things a lot easier. Mhmm.","start_word":3582,"end_word":3642,"intents":[{"intent":"Discuss will and power of attorney arrangements and clarify decision making regarding asset transfer/distance","confidence_score":9.649035e-15}]},{"text":"That's just something to be aware of with that risk.","start_word":3773,"end_word":3782,"intents":[{"intent":"Address concerns about risk","confidence_score":0.0022168783}]},{"text":"We'll guide to it's a sort of done. solicitor.","start_word":4079,"end_word":4087,"intents":[{"intent":"Guide to steps","confidence_score":0.78276294}]},{"text":"But in saying that, do you have any questions in regards to remuneration on the feed all there, Julie? No. Yep.","start_word":4186,"end_word":4206,"intents":[{"intent":"Ask for clarification on remuneration","confidence_score":0.00072585425}]},{"text":"As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you.","start_word":4210,"end_word":4258,"intents":[{"intent":"Provide guidance on document implementation","confidence_score":0.014796496}]},{"text":"As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you. Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney. We obviously just put in the Yes. documents. We do recommend to get it done, which obviously you're on board with. We just obviously can't write them up, unfortunately.","start_word":4259,"end_word":4336,"intents":[{"intent":"Assist with document and will","confidence_score":0.000023404162}]},{"text":"I'll he'll sit down and read it all once I get off the phone. And Yeah. and if he's happy with it, I'll just sign it. Not a problem.","start_word":4381,"end_word":4409,"intents":[{"intent":"Offer assistance in reading and signing","confidence_score":0.0000023581479}]},{"text":"The the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward. And Yeah.","start_word":4455,"end_word":4493,"intents":[{"intent":"Provide investment guidance","confidence_score":0.000015634734}]},{"text":"And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well. Yep.","start_word":4782,"end_word":4819,"intents":[{"intent":"Resolve fund issues","confidence_score":0.07397868}]},{"text":"Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys.","start_word":5177,"end_word":5217,"intents":[{"intent":"Schedule lawyer appointment","confidence_score":0.2076483}]}]},"sentiments":{"segments":[{"text":"Hi. You've come through to Kyle. How are you today?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.26643383502960205},{"text":"Good. Thank you, Carl. That's good to hear. Now I've got you scheduled in for that statement advice piece today.","start_word":10,"end_word":29,"sentiment":"positive","sentiment_score":0.5464877486228943},{"text":"Is now still a good time for you to be able to run through that? Yeah. Sorry, mate. I was just running late from work, and I was in the shower. Okay. Yeah. That's not a problem. Do you need a few more minutes? I can give you back a call instead of ten or fifteen if you need to. No. No. You're fine Okay. Not a problem. Now I know now. you're just speaking with my colleague there, Jordan, but I will confirm just a few details given the time it has been since we had a discussion there sort of towards the end of last year. But can I confirm in regards to your details there, Julie, that everything's largely unchanged? You're still, Still working? yeah, still doing your your casual work the four to five days. You haven't cut back with the the arm issue that you needed to get operated on? No. It's about four days a week I'm working. Still roughly on about 78,000 annually, though, depending on sort of if you keep track with your work. Well, I've been off for five weeks, so and I've been listening to that. Okay. Was that just Because due I to the the surgery and then holidays? Or yeah. Holiday. Yep. And then as far as anything else, has anything else changed, Julie, in regards to your personal circumstances since we last spoke? No. No. Yep. Perfect. Now we'll be sending this out there to just JulieDouglas68@Gmail.com. Yep. And it'll just be an email attachment. It'll be through Odoo. It's a bit different to DocuSign, which you probably used previously. Same sort of signing software. It'll come through in an email. And then with that one there, it'll have some attachments, and that'll have the statement advice for you to be able to look over. And then it'll have a a link if you're happy with the advice to be able to sign that or not there Yep. as well. So you should Mhmm. have that in that inbox there shortly, and then we're able to run through that.","start_word":30,"end_word":381,"sentiment":"neutral","sentiment_score":0.041566966101527214},{"text":"It is quite a straightforward piece.","start_word":382,"end_word":387,"sentiment":"positive","sentiment_score":0.7161742448806763},{"text":"I know you didn't particularly wanna look at updating anything sort of the last time we spoke. It was mainly due to the fact that your advice was sort of so old, and then we're just doing a bit of a refresh in regards to your investments. Just giving Yes. your time on board and just to make sure that the ones that are there are sort of still performing and then sort of looking forward to sort of giving you getting closer to the age of 60, maybe potentially out of access some of your funds and things like that as well. So just Yep. being mindful of that. So Keith had it. I've got a new phone, so I've gotta ask my hubby how I look at my email for you on the phone. Okay. If you've got a laptop there as well, you should be able to bring it up on your your laptop on that email to have a look Oh, at no. it while I just we're on Just got emails there now. I don't have I'm at the top. Well, we got emails for but maybe put them on page. Yeah. Okay. I got it there now. Yep. And Yep. being on a phone, Joe, it's probably a bit hard to, like, obviously, go through it and sort of hear me as well. So I can go through the the document, let you know the key points, and then yourself and Keith, they can have a a look through it afterwards. And when you're sort of not having me jabbering in the background, have a chance to read through some of the the document yourselves after the phone call. Yep.","start_word":388,"end_word":673,"sentiment":"neutral","sentiment_score":0.0594416968524456},{"text":"Okay. Perfect.","start_word":674,"end_word":675,"sentiment":"positive","sentiment_score":0.4981209933757782},{"text":"Key points there is it's obviously an advice piece presented for yourself that Julie prepared by myself and the team there as an authorized representative on OQ Financial. In this document here, in regards to the the scoping there, obviously, we take your best interest, Judy, into consideration that everything we provide advice on, we try and put you in a better position than what you were currently. And as Yep. far as the advice, we were just reviewing the superannuation and investment just based on your time on board and just making sure that your advice piece is up to date and then just some estate planning matters and just making sure Mhmm. that you're aware of that. I know you got your beneficiaries in place, but you don't have, like, your will, power of attorney, things like that in place at the moment. So recommendation on that. As far as the things that we're aware of that didn't really provide advice or didn't provide advice for in this advice piece there, we didn't touch on budgeting and savings. I know based on your current income, you were sorta utilizing it all for the current expenses, and you're happy budgeting for that yourself. Yep.","start_word":676,"end_word":880,"sentiment":"neutral","sentiment_score":0.12236759382777096},{"text":"And then just working on getting your health back on track a little bit and maintaining fit and getting back to work, which is more of a personal goal there. We're just sort of making sure that we're aware of it and tracking that moving forward for you as well.","start_word":881,"end_word":930,"sentiment":"positive","sentiment_score":0.4435470402240753},{"text":"Just so Mhmm. and then with limited advice warning, it's just basically stating that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just sort of aware of and accountability partners for, but we're not providing advice for you today, if that makes sense. Yep. Yep. So the strategy, very simply put, is to retain your net wealth superannuation and then change those underlying investments. Make sure you're establishing a will and a Yep. power of attorney as part of your estate planning matters there as well. Yeah. I've yet to get that done. We've been calling about for, like, six months, but Now you know? yeah. Yeah. And I can send you an email just with, like, a local solicitors here information on wills and estates and their general pricing just to give you a starting point even. Obviously, they're a separate service, so you can use whoever you'd like, but it's a nice little information booklet.","start_word":931,"end_word":1095,"sentiment":"neutral","sentiment_score":0.04400514158787149},{"text":"It gives you a bit of an idea and just sorta can give you a bit of a jump point even if you find someone locally for you.","start_word":1096,"end_word":1123,"sentiment":"positive","sentiment_score":0.4497564136981964},{"text":"Yep. Yep.","start_word":1124,"end_word":1125,"sentiment":"neutral","sentiment_score":0.25153207778930664},{"text":"That'd be good. Perfect.","start_word":1126,"end_word":1129,"sentiment":"positive","sentiment_score":0.6574486494064331},{"text":"Now we obviously, wills and estates too. You can sort of like, always, you do the power of attorney, but then also, like, advanced health care directives, things like that as well, which is all stuff you can discuss with us, Elizabeth, but I'll touch on that a little bit later Mhmm. there. On page six and seven, you'll be able to see just your personal details there and then also the assets and liabilities. Now, obviously, given the time that has elapsed, these might change slightly. And like I said, with the income there, just given the the holidays or time off you took over, that the Christmas period there might be a little bit less. But as long as it sort of largely lines up, it shouldn't affect the advice piece too much anyway in terms of, like, what we are recommending today, which is just that investment switch. Mhmm. Now as far as your risk profile goes there, Julie, you did score as, like, a growth, which is about an eighty twenty split. You're currently in a balanced growth, and then given your sort of time to retirement, the level of risk you wanna take on before potentially accessing some of the funds, we just decided to leave it as a balanced growth, which is anywhere from sort of 60 to 70% growth assets and around sort of that 30 to 40% defensive assets just depending on sort of how the portfolio is built, just to Mhmm. aim for slightly more defensive portion to help during market downturns, which is sort of proven beneficial given what has happened in the past few few months there. Even with the the war and everything going on, although your super did take a bit of a dip, it's still performing quite well given everything that is happening in the world there as well. Yep. So how big of a dip did it take? So as far as your current balance at the moment there, I'll just bring up your account. Bear It was with taking a dip.","start_word":1130,"end_word":1476,"sentiment":"neutral","sentiment_score":0.1551858409165649},{"text":"It's all where it's gone.","start_word":1477,"end_word":1481,"sentiment":"negative","sentiment_score":-0.3489757776260376},{"text":"Wolf inches will jump me. Bear with me. It should take me a second to load up. out. As far as the percentage for the last twelve months, though, you've still done 8.19%. But over the course of, like, the last three months, which is, like, the start of the year with the war, it's gone backwards probably about four. So it could have been up around the sort of 12% mark, but, obviously, it's gone backwards that 4% given that everything that did occur. But you're currently sitting around 83,500 in terms of, like, your current balance there, Yeah.","start_word":1482,"end_word":1581,"sentiment":"neutral","sentiment_score":-0.0540277399122715},{"text":"which is still up for the year, very much up. And especially with the balance growth, it's obviously still quite good in terms of return and within that expected, like, return range.","start_word":1582,"end_word":1613,"sentiment":"positive","sentiment_score":0.5945884585380554},{"text":"But, obviously, yeah, it could have been a lot better if there wasn't that dip. Yep. Next. Now as far as Next. the the recommendation goes, we're looking at keeping purely because, like, if you were to sell out, there'd be added capital gains. You'd be moving to a different platform. And then the features gained and the savings of going to a different platform didn't really outweigh the cost you'd be paying with that capital gains and realizing all of that when switching funds. Yeah. Now the recommendation itself, I know the discussions we did have, you weren't too fast on whether you had, like, the active management in your fund or the passive.","start_word":1614,"end_word":1728,"sentiment":"neutral","sentiment_score":0.13822536170482635},{"text":"You're just sort of open to the recommendation moving forward.","start_word":1729,"end_word":1738,"sentiment":"positive","sentiment_score":0.4306238889694214},{"text":"Now with Yeah. the funds that we are recommending we're recommending just moving to a more index approach.","start_word":1739,"end_word":1756,"sentiment":"neutral","sentiment_score":0.294699102640152},{"text":"So what that does overall is it reduces manager risk.","start_word":1757,"end_word":1766,"sentiment":"positive","sentiment_score":0.38005131483078},{"text":"So instead of having someone buying and selling and trying to pick some winners in the market and based on their sort of metrics, You're just following those indexes. And then we're also moving you to a portfolio that has just a little bit more diversification in the sense that you have a few key holdings that are sort of industry specific that also some of them have performed quite well. But in saying that if that industry has a bit of a bad year, those are the key performance at the moment.","start_word":1767,"end_word":1859,"sentiment":"neutral","sentiment_score":0.0947009107118012},{"text":"So if they have a bad year plus the underperforming ones that you currently have, it can really sort of cause, like, a really backwards dip or spike.","start_word":1860,"end_word":1887,"sentiment":"negative","sentiment_score":-0.3922716677188874},{"text":"So So with that, we're just looking at updating your entire portfolio. The call will largely remain the same, but then the satellites will change slightly to be a little bit more diversified across different regions and then across different industries instead of being specific to certain industry specific exchange traded funds, which if Yep.","start_word":1888,"end_word":1942,"sentiment":"neutral","sentiment_score":0.07291223108768463},{"text":"they have a bad year can really affect your performance.","start_word":1943,"end_word":1952,"sentiment":"negative","sentiment_score":-0.4277982711791992},{"text":"That's why I pay you guys. I don't understand Yep. any of it. So it's entirely entirely in your hands to do the right move for me, I guess. Yep. No. Completely understandable. So with that, obviously, feel free to have a bit of a look through and then the different funds and the changes there as well. But the key thing with that, I know it's sort of you're a little bit out of sight out of mind with it. You're not too fussed on it. You don't wanna, you know, learn it now. You just pay us the the service. But we wanna make sure you're across sort of what we are recommending at the day there as well. Yep. But, yeah, with the markets being so unpredictable as well and then even having those strong performers, with those being industry specific, if something was to occur, like the wars was to affect those specific industries with that concentrated risk can sort of lead to poor performance or bad long term growth, Yep. if that makes sense. Yeah. So Mike's Door Yes. Defense. Yeah. Feel free to, you know, have a discussion there with Keith afterwards and have a bit of a read through it. There is a best interest, Judy, in regards to why we recommended the way we did. The Yep.","start_word":1953,"end_word":2177,"sentiment":"neutral","sentiment_score":-0.0585661306977272},{"text":"main key point there is you will be able to have lower investment fees as well. Your portfolio be in line with your preferred investment style of the balanced growth and then have the mix of core and passive satellite index investments. And then you'll have a bit more diversification moving forward, which should protect your portfolio from market dips a little bit as well as well as removing those underperforming assets for you. Yep. Sounds good. Perfect.","start_word":2178,"end_word":2255,"sentiment":"positive","sentiment_score":0.39644500613212585},{"text":"We did consider that leaving your funds in the same portfolio and just making a switch to the few of the bad funds. But, obviously, I said that that diversification wasn't quite there, so you'd have more diversification with the change. You reduce the manager risk by getting rid of those actively managed funds, and then you remove the underperforming assets by making a change as well. And then we also Yeah. looked, as I said, to different funds and then changing the platform. But it's still a competitive product. Given your time through time and the capital gains, that would be liable. It just means that it wouldn't be recovered in a timely sort of manner with those changes. So we looked at keeping you in net well. Now Yep. on page 14, you'll be able to see the changes and what is selling. So the key ones there that are selling purely because we sort of wanted to get rid of them was the Benelon because it wasn't performing too great, that actively managed fund. I don't Yep. remember if you remember that previous discussion, but then also the BetaShares Australian bank hybrids, they're just getting phased out. So we need to change those for an alternative. They're a defensive portion of your fund, which we're doing. And then Yep. two, funds that have done quite well, but we're just looking at them because as I said, they're industry sort of specific and can cause a bit of a backwards dip. You've got Batrium and Lithium Tech. Now although it's done quite well over the past twelve months there, it just means that if something was to go like Orion, that industry can really affect that performance. And same with the cleavage rare infrastructure fund there as well. Even though it's performing quite well and performed quite well, it's just a little bit more specific in industry. That means it can sort of, you know, be subject to those market downturns a little bit more heavily. So we're just moving Yeah. your way into some different regions there to give you a bit of a diversity across different groups there. So you'll still have your key holdings in the S and P five hundred. You'll still have a key holding in Australia, but then you'll also have some exposure outside The US in sort of Europe, Japan, and then all world excluding The US as well, which will give you a nice sort of range across different geographic locations there. Yeah.","start_word":2256,"end_word":2678,"sentiment":"neutral","sentiment_score":-0.03360589857853896},{"text":"Perfect.","start_word":2679,"end_word":2679,"sentiment":"positive","sentiment_score":0.49955421686172485},{"text":"Yeah. Just spreading it out across different regions, which encompass different companies and different industries there as well as opposed to being a little bit more industry specific with a few of those investments.","start_word":2680,"end_word":2713,"sentiment":"neutral","sentiment_score":0.27771705389022827},{"text":"In addition to that one there, you'll still have a nice core portion in a composite bond there, which is like a fixed interest, which is a defensive portion there as well.","start_word":2714,"end_word":2745,"sentiment":"positive","sentiment_score":0.33726966381073},{"text":"So in those market downturns with the interest rate that does go up, they generally perform a little bit better as well. Mhmm. Now as far as the asset allocation, currently around sort of the $70.30 mark in terms of growth versus defensive assets. With the the upgraded portfolio there, it will be around 75% growth, around 24% defensive, which is a little bit more allocation of growth asset. But what it means is you're reducing your manager risk with that Yeah. one. So you'll have slightly more growth assets, but also slightly less manager risk.","start_word":2746,"end_word":2841,"sentiment":"neutral","sentiment_score":0.17572711408138275},{"text":"And then you'll also have that at a bit of a cheaper cost, which will hopefully set you up to still get some nice returns there moving forward without having to carry that additional management risk of those managed portfolios and that active management costs.","start_word":2842,"end_word":2886,"sentiment":"positive","sentiment_score":0.3858132064342499},{"text":"Nope. On page 16, you'll be able to see a table of that and an illustration of what the cost difference will be. No. So I there is the balance there currently minus the the CDT that would be liable to the account. And then with that, with the change, the investment fee drops quite considerably down $258.","start_word":2887,"end_word":2944,"sentiment":"neutral","sentiment_score":-0.0185497235506773},{"text":"So that's money you're guaranteed to be saving each year in terms of, like, the the fee you'll be paying for your investment costs. So you'll retain that capital gains in a couple of years just based on those savings alone, and then Yep. that continues after that just to going into your investments and getting investment returns.","start_word":2945,"end_word":3002,"sentiment":"positive","sentiment_score":0.5788309574127197},{"text":"And as far as the adviser fee, the the current is just based on your current balance versus the 1.1% because it's a coupled fee versus the recommended it takes into account a year's worth of growth, which is why it's considered to be a little bit higher. It's just like an over disclosure that if it was to perform at the the five year rolling average mark, that's what it would look like. Obviously, in terms of, like, the market and what is happening, there's no sort of replication that the next five years will be the same as the last five years. It just gives you a Yep. bit of an illustration there, but you'll at least be saving on those investment fees. And although the performance is slightly less, you also carry less major risk. It's a little bit less concentrated in different industries, so you get a little bit more diversification, which sort of helps mold out that mellow out the volatility in the markets as well, which can hopefully get you nice sustained growth with the cost savings as well. And then sort of, you know, if you were to stay in your current fund and it did perform and continue to perform, happy days, but you're also carrying a lot more risk being that sort of less diversified fund versus if Yeah. you go into this more diversified sort of fund a little bit more spread out in terms of, like, the areas which you encompass there. It might perform slightly less in saying that, but it also might still perform slightly more because no one knows what the markets are gonna do. But the guarantee is you'll be saving money. You'll be having a lot more diversification in terms of, like, regions and then also industry and a lot less, yeah, concentration in those two funds that are getting the majority of that growth out of your current fund, Yep. if that makes sense. Do you have any questions in regards to that at all there, Julie? No. As I said, I don't really understand at all.","start_word":3003,"end_word":3356,"sentiment":"neutral","sentiment_score":0.08904197780510127},{"text":"As long as you're making me money, I don't care.","start_word":3357,"end_word":3366,"sentiment":"negative","sentiment_score":-0.368147611618042},{"text":"Don't care too much. Yep. No. Completely understandable. As long as you understand that, you know, the investments are changing and the reasons for the change, that that's more Yeah. than I fine. understand that. And that's Yeah. that's what I said.","start_word":3367,"end_word":3408,"sentiment":"neutral","sentiment_score":0.003837225958704949},{"text":"That's why I trust you guys. You've done really well for us. And, yeah, I trust everything that you tell me to do. And that's why I tell you to do whatever you think.","start_word":3409,"end_word":3442,"sentiment":"positive","sentiment_score":0.567205548286438},{"text":"You need to Perfect. move it. Move it. Yeah. So with that, a lot of the core of your portfolio will stay the same. It'll get rid of those underperformers. It's just those key sort of holdings that you do that are performing quite well.","start_word":3443,"end_word":3487,"sentiment":"neutral","sentiment_score":0.1948648691177368},{"text":"You won't just have those moving forward, but that's not a bad thing in the sense that they've had, like, a nice bit of growth now.","start_word":3488,"end_word":3513,"sentiment":"positive","sentiment_score":0.34544700384140015},{"text":"So, you know, taking a bit of that gain now and then holding that versus if it was to take a bit of a dip and then having to wait for that to recover isn't a bad thing either. Yeah. As far as the rest of the document there as well, given that your beneficiary nomination is up to date there with your partner there, Keith, that's fine. As far as the will, obviously, we recommend setting up the the will and then the power of attorney in conjunction with that statement that anything did happen, that you're able to make those financial decisions and health related decisions there and save sort of having to petition courts and things like that.","start_word":3514,"end_word":3634,"sentiment":"neutral","sentiment_score":0.23547181487083435},{"text":"It really makes things a lot easier.","start_word":3635,"end_word":3641,"sentiment":"positive","sentiment_score":0.4497543871402741},{"text":"Mhmm. One of the the important things with the switch with the markets being so volatile at the moment, there is just an importance to note that the assets that have to get sold down and then transferred or, you know, across, it just means that the time out of the market, it can fluctuate a lot more given what is happening at the moment.","start_word":3642,"end_word":3706,"sentiment":"neutral","sentiment_score":-0.035610586404800415},{"text":"But given that it's all sort of down at the moment, buying low and but selling low and buying low isn't the the worst thing. It's if it sort of recovered significantly in that time, which the likelihood that it sort of bounces back considerably is, like, still quite slim. It's just sort of at the moment with those ups and downs, you don't really know. That's just something to be aware of with that risk.","start_word":3707,"end_word":3782,"sentiment":"negative","sentiment_score":-0.4378870129585266},{"text":"But in terms of, like, a total cost loss or anything like that, it could go either way where if it drops more considerably in that time while you're in cash, you might actually buy at a little bit of a lower cost base. But if it goes up slightly, you might buy at a bit of a higher cost base. It's just something to be aware of as well. Mhmm. And then as far as the will and power of attorney is considered, obviously, I could go through it a little bit more in-depth. But do you have many questions in regards to setting up a will or power of attorney or anything No. I don't. that, Julie?","start_word":3783,"end_word":3901,"sentiment":"neutral","sentiment_score":-0.1444799304008484},{"text":"Not Happy really.","start_word":3902,"end_word":3904,"sentiment":"negative","sentiment_score":-0.4136835038661957},{"text":"just I to, like yeah. yeah. We have a will, but it's, like, 30 years old. A lot. So, yeah, we have to oh, it's 33 years old, actually. 32, something like that. And we're well aware that we need to update it and whatever. Yeah. So Now it's it just is a matter matter of getting to phone or somewhere to Yes. Voice enough and getting it done. Yeah. Obviously, there is the option to do a potential, like, post office rules and things like that. But given that it might be sort of, you know, better to get it all in the one document from a solicitor, those post office rules can be a little bit janky in the sense that if it sort of you fill out one section wrong, it might not be valid and things like that. Whereas if you go to professional, at least you have the, you know, the peace of mind that it's done correctly. Yeah. And then Yeah. it And that's what we'll do. We'll guide to it's a sort of done. solicitor.","start_word":3905,"end_word":4086,"sentiment":"neutral","sentiment_score":-0.06233911658381368},{"text":"Yeah. Perfect.","start_word":4087,"end_word":4088,"sentiment":"positive","sentiment_score":0.5629065036773682},{"text":"But as far as the the next sort of steps, obviously, the remuneration side of thing is still the 1.1%. So it's around $995 for the the service in terms of, like, what paying versus the service you do get. With that being the percentage base, obviously, that's based on your balance and the growth. But if it was to sort of the walk continue and you had a bit of a low year with everything that's going on, it just means that the fee doesn't grow with that. It only grows when the balance grows. Yep. But in saying that, do you have any questions in regards to remuneration on the feed all there, Julie? No. Yep. No. No problem. As far as, like, how it gets implemented after that, if you once you go through the document and have a bit of a look and are happy with the recommendation of that investment update and sign that document, that changed that in the back end there for you. As far as getting a will and all that sorted with the power of attorney, that is up to you at the end of the day with you. Go with Keith and go down to a solicitor and, you know, set up the will and a power of attorney. We obviously just put in the Yes. documents. We do recommend to get it done, which obviously you're on board with. We just obviously can't write them up, unfortunately. Yep. But in regards to the document there at all, Julie, do you have any questions about anything that I've covered, anything I haven't covered that you wanna have a chat about? Or No. I'm pretty good.","start_word":4089,"end_word":4373,"sentiment":"neutral","sentiment_score":0.09547857195138933},{"text":"You're pretty good, honey.","start_word":4374,"end_word":4377,"sentiment":"positive","sentiment_score":0.5177363753318787},{"text":"Yeah. Yeah. Yeah. I'll he'll sit down and read it all once I get off the phone. And Yeah. and if he's happy with it, I'll just sign it. Not a problem. And then, Keith, Right. I know you're there in the background too. Do you have any questions in regards to that at all? No. It's pretty common sense. I just changed in some portfolios and changing Yeah. risks and that, but, yeah, pretty straightforward. Exactly. The the main key points and takeaway there is is that your actual recommended is performing slightly worse over a five year period, but it's what you're trying to look for in what you want moving forward. And Yeah. that's to just have a little bit more guarantee that, you know, you do have that diversification. You do have those funds which have historically Yes.","start_word":4378,"end_word":4519,"sentiment":"neutral","sentiment_score":0.018587504159396803},{"text":"performed well.","start_word":4520,"end_word":4521,"sentiment":"positive","sentiment_score":0.34781455993652344},{"text":"You obviously don't have the upside of potentially outperforming the market, but if you get to 60, you wanna draw down some of your funds and, you know, your two top performance in those managed funds have a bad year like Benelon, it can really sort of hurt your superannuation sort of at a year when you probably wanna look at drawing down, not waiting another three years for it to recover, if that makes sense.","start_word":4522,"end_word":4597,"sentiment":"negative","sentiment_score":-0.48679545521736145},{"text":"Yeah. Well, that's the only that's only talk about Ben along in that because of the the way it's heading.","start_word":4598,"end_word":4617,"sentiment":"neutral","sentiment_score":-0.2968296706676483},{"text":"Like, everybody's, like, stepping away from it. So it's like it's probably a good thing for the industry when everybody's saying, like, well, everybody's step away for a minute, and, yeah, we're changing our investments because it's not really good for the future.","start_word":4618,"end_word":4660,"sentiment":"negative","sentiment_score":-0.424298882484436},{"text":"So Yeah. And then that's what to say that ClearBridge and lithium tech might not still perform moving forward.","start_word":4661,"end_word":4679,"sentiment":"neutral","sentiment_score":-0.20173794031143188},{"text":"It's to say that they're just a little bit more volatile in terms of being so industry specific that if they have a bad year, it can really sort of hurt your portfolio where Yes.","start_word":4680,"end_word":4714,"sentiment":"negative","sentiment_score":-0.3436596095561981},{"text":"the the updated portfolio is a little bit more diversified. And you still have a bit of cyber security in there as well, which is another bit of a satellite, but it's sort of, you know, a little bit less industry specific. And, you know, cyber security is a bit of a global thing, whereas sort of rare infrastructure can be a little bit more specific. And same with battery and lithium tech, it is sort of down to those, you know, renewable energy schemes and things like that as well where that may be affected that can affect that fund as well. Yep. That's fine. I don't know. Pretty much. Like, since in the end, I It's spreading the loose care a bit. To rectify Yeah. and so Exactly. So you still have a similar amount of in investments. It'll just be, like, spread across some different funds that are a little bit Yep. more diversified with what Yep. their holdings are because they're just regions. And then within those regions, you have different companies that sort of fall into that as well. So you still may carry some of that you know, Yep. exposure. It just won't be as direct and specific to those areas. Yeah. Exactly. Basically, But if wait. Sorry? it just spreads it out over different zones as well. Is that correct? Like, from Australia to Europe and Asia and USA or something. Is that correct? Yes. You'll have it the key holding there will be, yeah, S and P 500 still. It's around 24%, 25 in the top 500 companies in America. You'll have Yep. about 20% in the top 200 companies in Australia. And as the, obviously, companies rise and fall, that does sort of change and keep pace with that. That's why it's an index, and it's sort of dynamic in that sense. And then you'll Yes. have exposure across a bit in about 7% Europe, about 3% Japan, and about 7% all world excluding The US just because you have such a high holding in the Yep. the S and P 500. So it gives you a bit of exposure across the whole world minus that exposure, which is nice. And then you'll also have the the composite bond, which is the defensive portion there as well as some physical gold, which has been an alternative. It can be considered a bit more growth at the moment, but still somewhat defensive. And then the cybersecurity, which is about 4%, which cybersecurity is a bit of a global thing at the moment anyway, and I don't see it going anywhere anytime soon. That's correct. Yeah. Yep. Feel free to have a a look through it, guys, come back with any questions you might have.","start_word":4715,"end_word":5176,"sentiment":"neutral","sentiment_score":0.031704205310060865},{"text":"Otherwise, if you were happy that you can go ahead and sign at the end of the the day, but I'm happy to answer any questions you might have, and I'll email off that CGM lawyer information there for you guys.","start_word":5177,"end_word":5217,"sentiment":"positive","sentiment_score":0.4273068308830261},{"text":"And if you just wanna respond to that with any questions you have, we'll get pulled back in. Just call up one of the team. We'll get you scheduled in.","start_word":5218,"end_word":5247,"sentiment":"neutral","sentiment_score":0.21804948151111603},{"text":"That's not a problem at all. Okay. That'll be great. Thank you. No problem, guys. Well, thanks for your time this afternoon. I'll let you get back to it, and you can enjoy the rest of the hour. Okay. Thanks very much. Thanks, guys. Bye.","start_word":5248,"end_word":5292,"sentiment":"positive","sentiment_score":0.623598039150238},{"text":"Okay. Bye.","start_word":5293,"end_word":5294,"sentiment":"neutral","sentiment_score":0.17089588940143585}],"average":{"sentiment":"neutral","sentiment_score":0.06559844996682902}}}}