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Is now still a good time there for you? Yep. Fantastic. And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And I'll do some security there with you as well. We are discussing personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. Adrian, just wanted to sort of jump into the annual review and go through things with you. Is there any particular you wanted me to touch base on or any questions that you might have for me that you wanted me to address today for you? Yeah. Yep. Yeah. Absolutely. Not a problem at all. It's definitely probably something on everyone's mind at the moment. We hear a lot about it in the news and the media, so I can completely understand. Look. What I'll do is I'll run through that first step for you if you like. After the call, within the next I'm sorry. I've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going through for you to review. But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon. I've got I've got your report in front of me here. So having a bit of a look at the way things are, and it's quite understandable. Obviously, the world is showing a little bit of volatility at the moment with what's happening between Iran and The US. Obviously, the fuel shortages and the concern around that is having a bit of an impact on Australian equities as well. And then here in the home front, we've also had some high inflation, which has been affecting affecting fixed interest in bond markets as well. So your super in particular is actually doing quite well for where we're at. A lot of the clients I've spoken to have had some negative results to sort of with the volatility. But for your super, you're up after fees of 4.27% for the last twelve months. So you're actually coming out showing a positive right now, and that's really good to see. We did also send through an email a couple of weeks back. Do you remember receiving a record of advice in your emails recently at all just with an update to your portfolio? Yeah. Yeah. Beautiful. So one of the reasons you actually got a bit of a positive result here at the moment is that we've also removed some one of the underlying investments from your portfolio and replaced it. It was actually underperforming. So you originally have Benelon Australian Equities in there. That was originally placed in your portfolio as a little bit of an actively managed component. The investment manager's job on in Bennelong was to kinda try and outperform the market, and they were picking and choosing equities to have in their investments to make sure that they were, you know, showing good quality growth. Unfortunately, in recent weeks and recent months, sorry, Bennelong have had some issues with some of the underlying investments in their in their managed fund, and it means that that investment as a whole has been underperforming slightly. So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios. And so as a result, we have removed it as the underperforming investment. And we've actually replaced that with the BetaShares a 200. So it's still giving you exposure to the Australian equities. It's just that it's more of a passively managed fund, so it's tracking the top 200 companies via the index there. It has actually performed very well for the past couple of weeks. It's definitely sort of provided a bit of recovery from the underperformance of Bennelong, and it's definitely, you know, buying in at the right time with the volatility that we have seen has also had a good impact on your sleeper as a whole and has definitely helped with it coming out to a positive result for those twelve months. So, yeah, we hope to yeah. We definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well. One of the things I wanted to also touch base on is we're give doing a full annual review with you once a year, but we wanted to make sure and update our system to make sure we're doing catch up on a regular basis with you as well. Did you want us to maybe touch base once every six or three months or to do a bit of a catch up with you, or are you happy just with once a year? What's your preference moving forward? Yeah. Yeah. Absolutely. With this year, another way that the book is set, I know last year was a little bit all over the place. It was a bit of, you know, bit difficult with all everything that was going on. But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently. So myself and my lovely admin team member, Michelle, so you'll get to know quite well. We'll have it in our calendar. So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to make sure the algorithm a bit more consistent for you moving forward. Okay? Beautiful. So, look, it's great that you've seen a positive result for the year. The other investments within there showing positive results. You've got some physical gold that is showing a great return of up 28% for the year. Physical gold has had a really good run. We did have a bit of a pullback in about February. It dropped by between eleven to 18% for some portfolios in one day, but it has definitely recovered back. And for the year, you're up 28% just in the gold, which is great to see. It did. It absolutely did. You you do also have some cybersecurity in your portfolio. That is down a little bit for the year. However, it is still a good investment to keep in there. We have sort of reviewed that investment. Unlike then along, the the cybersecurity component is still giving you diversification. It is global, and we do see that still as an important part of your investment portfolio. So we do expect to come back. So we are just gonna hold on to that one for a bit longer and wait and see. If I find that there's needs to be any kind of movement there, we'll definitely make sure we let you know. Yeah. Yeah. Yeah. Nice. Yeah. That's a really good question. So there are a lot of them out there. When we are picking and building portfolios for our clients, we wanna make sure that the investments that you're in have been through those big market volatility times. So we do look at investments that have been around for a long time that have gone through volatility like you see with the GFC and with COVID, and they have come back and rebounded so that we know that you're in a portfolio and in investments that can withstand those ups and downs. We also, yeah, we also look at what's in what they're invested in, the sorts of areas. We look at the components inside it. So when we're looking at, say, a managed fund, we might be looking at what component is Australian equities, if there's any international equities, any, you know, alternatives that might be in there. And we also consider the defensive side of things, so fixed interest and cash and bonds as well. We generally have, like, a set profile that we adhere to. So we look at the growth and defensive assets, making sure you're within a certain range. And then underlying from there, you've also got set percentages for international equities, Australian equities, fixed interest bonds, cash, and also alternatives. And we try to kinda make sure you're fitting within those ranges for your investment options. And then we also look at essentially the the portfolio returns, how they have performed over the past five to ten years, obviously, a longer track record and consistent returns. Whilst it's never a guarantee of future returns, it does show you consistent returns in the past, means it has the ability to do the same in the future. Never a guarantee, but the best we can do when we're looking at, you know, the way we wanna invest in the future in the market. So, yeah, yeah, there's a bit to it. Yeah. Yeah. Absolutely. Well, because it is a lot of fun. It is something that I do. I really enjoy doing. I love reading it. We talk about it a lot. We're always watching it as well as talking to clients and providing advice and things like that. But it is really exciting to look at and to learn about. It's something that I enjoyed learning about, and, hopefully, our advisers coming up underneath us will enjoy it just as much. But it is really cool, and I can sort of see why. But, look, because you are a client, if you find that there is something you're interested in, you wanted some research material, things like that, we do have access to, like, Morningstar and Lonestack and things like that. So we can always have a look and see what research material we can obtain for you to provide. If you're interested and want that, you're welcome to let me know, and I'm happy to go and do whatever research you might need. And if you did wanna down the track look at maybe building an investment profile very similar to what your portfolio in Netwealth looks like, we can also help and provide advice in those areas for you as well. So, Yeah. That's okay. That's not a problem. I will make sure your portfolio report is in that at the end, your review documents for you to have a look at, but it's really good to see that you've come up with a positive return for the year thus far. We'll just make sure we keep monitoring things for you, and we'll definitely do a catch up in six months to see how things are tracking then for you as well. Okay. Excellent. All good. I also just wanted to touch base on the insurance side of things. I know last year, we sort of spoke about you don't have any life, PPD, income protection, no trauma insurances. Are you still comfortable not having any personal insurances? Did you wanna maybe have a deeper conversation or look at what those covers look like or what they are or how they could benefit you? Or Okay. Yeah. In the transition. Oh, you're still newlyweds. Yeah. Yeah. Yep. Yeah. No. Understandable. Absolutely. Well, if you did wanna have a look at things like life, TPD, income protection, trauma cover, those personal types of insurances, feel free to let me know. We're more than happy to provide advice and talk about what your goals are and, you know, update the advice and make recommendations on what product, how much, or how it affects you, and show you how it affects your super as well or out of pocket expenses depending on how you pay for those. So it's definitely something we can touch on down the track if you'd like to. Okay. You beautiful. Not a problem at all. Now I've got down here that your wife is Claire. Is that right? Yep. Beautiful. I've got her down as your next of kin there as well, which is fantastic. How has work been for the last twelve months? Has anything sort of changed work wise? Are you still in the same position? Wow. Yeah. No. That's okay. Yeah. Look. I'm exactly the same. I'm in my forties now, and I'm quite happy just to chill, let things day and day go by, enjoy my weekend, sort of quiet. No. I'm with you there. You kinda get to that point. That's it. I've got thank you. I've got down here your income was about 120,000. Have you been able to get a pay rise since the last quarter up at all? Yep. Yes. No. Yep. No. Perfect. With the assets and liabilities I have here, the main primary residence there, the asset value was a million dollars last year. What sort of value would you put on the property at the moment, do you think? Yep. Beautiful. And we have here the mortgage was able to be reduced to about 350,000. Have you been able to reduce that a little bit further at all since then? Yeah. Fantastic. That's a good drop. Excellent. Beautiful. I've lost yeah. Absolutely. And, look, the other areas of advice and, you know, we do super. We do insurances. We do investments and things. And if you ever wanna cash on budgeting advice and your debt reduction advice and things like that, again, I'm a full licensed adviser. So we're here to help, and we can certainly help you with those areas. So you guys are more than welcome to give me a call if you ever wanted, you know, to talk about that reducing your mortgage a bit faster or what that might look like. And we can always refer you through to our local mortgage broker if you did need to or want to look at refinancing at any point as well. Okay? Yeah. Beautiful. Beautiful. Are there assets I yes, sir. Sure. So the more yeah. For the for the mortgage brokers? Yes. So they actually use all of them. Essentially, our mortgage brokers, and we have a couple of them, are licensed to both first and second team, like, banks and financial institutions. So they look at all the different options that they're able to access, and they come up with the best option, the best structure, and to help you meet your goals there. So it's not just one thing. They're all licensed to to, you know, work with. It's essentially as many as they possibly can. All of them do sort of work with the big four banks, so they also have a lot of second tier credit unions and things like that that can also provide assistance for you. So yeah. All good. So the next asset I had here was your four by four Amarok. That was valued at about 35,000. Would you sort of keep that value about the same, or do you think you might change that this year at all? Yeah. Beautiful. Excellent. And contents, we had an asset value of about 50,000. Would you still value your contents about the same? Or yep. Beautiful. Fantastic. Thank you for that. That's the only assets that I had noted down. Is there anything else of value you have any you mentioned you've got some shares at the moment as well. I should note those down for you. What yeah. Yes. Fantastic. Yeah. Brilliant. Excellent. And what do you what do you own? Most of the shares is individual companies or ETFs or? Okay. Nice. Yep. Yes. No. That's okay. It sounds really good. And, look, if you've got about 19 or 20,000, then that's fantastic. It must be doing really well. Yeah. Absolutely. That's fantastic. Well, I certainly hope it keeps going the same way, and just always give us a call if there's any any help we can give you at all. Okay? That's fantastic. I also had on here last time we sort of spoke, you you guys haven't really set up a will or power of attorney. Is it something you guys have talked about since our last annual review, and have you seen a solicitor and had a will or power of attorney done up at all? No. That's okay. We do have I'm not sure if we did last year or not, but we do have access to some solicitors that we do refer clients through too. Did you want me to send you an email after the call just for some information around the solicitor's information, the details on how much they charge to do up a will and power of attorney? Just kinda starts the conversation for you. Would you like that at all? You're allowed to say no. It's fine. Yep. Yep. Yeah. Perfect. No worries at all. And I've also got down here your beneficiary nominations on your super. It is set to clear a 100%, and it's binding non lapsing. So you're happy with that nomination as it is? No need to change that at all? Yep. Perfect. Excellent. That's basically updating majority of your details there. Now you are still quite young. You've got a lot of time ahead of you at the moment. I've got down here that we're sort of tracking over time and is about age 60. Is that still where we're sort of heading goal wise at the moment? Yep. Perfect. Perfect. Incoming retirement is probably hard to kinda digest at the moment. I did have here $600 a week in retirement. Are you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer to? Yep. Yep. Yep. Beautiful. Is there any other goals that you might have? I know last year, we sort of made mention that you were just looking to try and pay the mortgage down as much as possible. You've definitely cut quite a chunk off that since then. Are you paying a bit more onto your mortgage than needed? Or Yes. Yeah. Yeah. No. That's fantastic. Yeah. Yeah. Absolutely. And one of the big things to sort of look at is when you look at the returns, you can probably get inside investing versus what you're paying on your mortgage. Your mortgage what you're paying in interest is basically a guaranteed return. Whereas with the markets and the volatility, it's not necessarily it's not exactly guaranteed the returns you get from shares and from investing. So So if you're taking a lump sum, you're putting that onto your mortgage, you are reducing the amount you have to pay for your minimums. You're you're reducing the amount you're paying for interest as well, but you are essentially saving a guaranteed rate of return, which we've just had a couple of interest rate hikes, and there's there's there may be another one down the track there as well. So definitely not a bad thing to do at the moment. Yeah. That's okay. I know you're in the process of kinda consolidating everything. So either of you or you guys have any other goals that you're looking to sort of achieve in the next twelve months or one to two years, or you're just sort of seeing how things go? Yep. Lovely. Yep. Perfect. Well, good luck. I hope it all goes well. Certainly looking forward to seeing how things go for you both. And is Claire work that's alright. Is Claire working as well? Or Or yep. Oh, fantastic. Is that where you met? Oh, that's lovely. Yeah. Fantastic. No. That's really good to see. That's excellent. Beautiful. Well, the only other thing I was wanted to touch base on with you is just doing a bit of a new risk profile questionnaire, just making sure that you are investing correctly in the right profile. We did go through it last year, and you did call high growth, and you were happy to stay in that kind of environment. I don't have to go through all the questions unless you really wanna fully assess it, but I just wanna give you a guide on what a high growth portfolio looks like. Generally, about 90% of your sleep is invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And then the other sort of 10% is invested in defensive to lower risk investments like cash, bonds, and fixed interest. Having a mix of those gives you a good diversified portfolio, and a high growth investor's happy to take on a bit more market volatility. You can sort of withstand ups and downs like what we do see at the moment because, you know, you're not gonna be touching your super for the next sort of, you know, fifteen to twenty years depending on when you decide to retire. The high growth environment normally suits someone who's got at least eight years accessing super. You've got double that at the moment, so you you don't need to touch it in the next eight years. So it does kinda fit your time horizon for where you are. And, generally, when we're looking at a high growth environment, we're chasing returns of about eight to 10%. So anything under the 8% is considered underperformance. So whilst this Uber's come out with a positive re per return this year, it has technically underperformed where we'd like it to be. But in the current climate, we're seeing a positive result is still fantastic. Yeah. Anything over that 10% would normally be considered over performance and is fantastic to see. And we do know that what you're looking at is some years that will be lower like what we have at the moment, whereas other years, it will definitely be higher and over that 10%, which is great as well. So you're sort of wanting to go through those ups and downs, have your contributions continuously put into them, dollar cost averaged in. So it's helping you compounding effect and taking advantages of the market ups and downs there. And with a high growth portfolio, because of the you know, you are taking a bit more risk in the market, we understand and sort of expect the likelihood of a negative return to be about one in every sort of five years. Do you still feel comfortable in that sort of environment? Did you want me to go through the questions and sort of reevaluate it for you, or are you happy to stay there? Yeah. Yep. Perfect. Not a problem at all. So, I mean, with everything you've gone through with your agent stage and where you're at and the fact that you're contributing to super and is working really well for you, the high growth environment definitely suits where you are. If you find at any point you're not comfortable in that or you wanted to reevaluate it, do let me know. We do an annual review every year, but you're not limited to that. At any point, if you go, hey. This is a bit uncomfortable. I think I wanna review it. You just give me a buzz. I'll book you in, and we can talk about what your options are and definitely review that. So, normally, we sort of see you in a high growth environment up until around about sort of your mid forties to early fifties depending on your comfort level. But at the same time, it's different for everyone in their comfort level and where they're at in their income and whatnot. So it can always be reevaluated at any time for yourself. Okay? Fantastic. Did you have any questions in relation to anything that we've gone through, or is there anything that you wanted me to touch on that I haven't yet touched on for you? Sure. Yeah. It absolutely does. When we see that the markets are having a bit of a downtime like what we have sort of seen over the past few months, it's definitely more considered a buying opportunity. As long as the investment that you're invested in is still a quality investment, you don't feel it, you know, should be removed from the portfolio, then we just see it as a buying opportunity. The biggest thing with what we do as financial advisers is you've probably heard the term time in the market beats time in the market. So we try not to be buying and selling in a way that we're day trading the super. Because, realistically, what we wanna do is we wanna stay invested in the market and allow your contributions to keep going in at all the intervals they do. So when they go in, they buy into into the discounted units when the market's down, or when the market's up, they buy into the same units, and they buy less of those units. So you're sort of taking advantage of the market when it's up and down there. There was a report Vanguard did a while ago, which is really interesting, and they sort of looked at the comparison of staying in the market through the ups and downs or trying to time the market. And they kind of worked out that if you missed the best and worst trading day by only a few hours or by a few days, you actually, depending on how much you had invested, missed out on between 2,000 to $50,000 over that lifetime. So, yeah, so it's very hard to time the market. It's always difficult. Most people that try fail nine out of 10 times. So as advisors, we have more philosophy where staying in the market is participating in the market and taking advantage of those downtimes and keeping your contributions going in provides a greater benefit over the longer term. Yeah. Yeah. Yeah. Did that answer your question? Yeah. Yeah. Yeah. Yeah. A bit gibberish. Yeah. No. Definitely. Well, if you ever find questions, please let me know. I'm more than happy to do so. What I'll do after the call is I'll send you an email there, Adrian, so you do have my direct email as well. If you find you have any questions at any point, please let me know. My name is Dana. I'm happy to answer any questions you might have. It doesn't matter what it is. If it's on your mind and it's important to you, then it's a good question to ask. I can help you with research material on certain things if you're interested or if you just want a bit of, you know, information. Feel free to let me know. I'm more than happy to help you out and, you know, help with the education value. It's part of my job that I love is educating people on how and why we invest and how it all works because it's not something we ever learned when we were younger, so it's actually pretty cool to share that. Yeah. Yeah. Absolutely. In the and your review pack that my team will send out over the next couple of days, it'll have your ongoing service agreement for the next twelve months there. Now for our services and for us looking after your sleep, you do pay an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments from your sleep, and the idea of the percentage based fee is that fluctuates with the market. So when the market is down, like some of the volatility that we have seen recently, then our fee does sort of take a bit of a dip with it. However, when the market does go up, then our fee takes a bit of a rise with it as well. So the idea is it's linked to the performance if you're suited for that. I'll also make sure that there's I'll pop in a little Vanguard chat for you. It's probably one you've seen before, but it's actually kind of really cool. It sort of shows you over the last thirty years how investing in different markets has reacted. So I'll pop that in there for you. You'll see it's got a lovely big red heading that says Vanguard. And if you have a look at that and you get a bit confused or you wanna sort of talk it through, let me know. I'm more than happy to give you a bit of a breakdown. I'll even probably attach this email this afternoon with a little bit of a breakdown for you so you can kind of have a look at that. But it's a really good guide on how different investments have reacted over the last thirty years and why we invest the way we do and how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool. Yeah. Yep. So yeah. Yep. Yeah. So depending on what you're investing in, when we do it for your super, we utilize platforms and research houses like lawn, sec, and morning staff. They are they're just like a they're research platforms. They cost a lot of money to have every year, so we utilize those. So if there's anything you're interested in, let me know. I can go into those and see if they provide the research for you. In my own sort of world investing outside of Super, I use a lot of the individual company's website. So any any company listed on the ASX or certain exchanges has an investor profile or an investor section on their website. And I go into those sections, and I read all of the media releases. I read all of the individual annual reports and things like that, look at the breakdown of what their numbers are, their earnings, and things like that. And that kinda gives me an idea of what they're tracking for, how they're being performing, whether they've got a bit of, you know, free cash flow, things like that, and having a look at what their goals are moving forward, what they're hoping to sort of achieve. I also then utilize as many news articles as I possibly can written by, you know, as many as as many different people as possible to try and sort of understand, you know, how other people sort of use the company as a whole. So when I sort of research companies in my own world outside of work, it takes me about a month to do that research on one company to really delve into it. But throughout here, if you just wanted to, you know, say, hey. You're interested in a certain company. What, you know, what research material can we get? We'll have a look at Lonsac. We'll have a look at Morningstar. We'll have a look at any other analysts that might provide the information, and we can always email it through to you so you can have a bit of a raise. That might just give you a bit of a hand. Yeah. Yeah. Absolutely. Perfect. Perfect. The only other thing to make mention is in the annual review pack, you'll also have a financial services guide, which outlines everything about who we are, what we do, how we do it. It has all my licensing information in there for you. As a full licensed adviser, we are registered with Aspic, and my registration number is 1304394. I'll also probably have in there a tax file consent form. We're just updating all of those as well. It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number. And with all the security things happening in recent years, we wanna make sure you're aware of the information we hold on you and how and why. So we are very security conscious in that way. So there'll be a tax file opt in form. And every so often, we also like to update the so the ATO authorities as well. So it's essentially a lost super search. We just get everyone to sign one every couple of years, and we send it off to the ATO and get them to go out there and do a bit of looking to see if there's any lost super or a bit of money sitting aside somewhere that we can consolidate for you as well. Okay. Yeah. Beautiful. All good. Is there any questions or anything that I might not have touched on or anything you kinda wanted me to break down a bit further for you? All good? That's okay. I'll send you the email shortly with that bit of information for you, and then you're always welcome to come back and let me know if there's anything else. In the meantime, if you do have any questions, let me know, and I'll make sure we do a catch up in about six months there for you. Okay? Beautiful. That's okay. Thank you so much for your time today, Adrian. I really appreciate it. No worries. I'll talk to you soon. Thank you for your time. See you later. 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Adrian. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your annual review today. Is now still a good time there for you? Yep. Fantastic.\n\nAnd before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And I'll do some security there with you as well. We are discussing personal information.\n\nSo I just need to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. Adrian, just wanted to sort of jump into the annual review and go through things with you. Is there any particular you wanted me to touch base on or any questions that you might have for me that you wanted me to address today for you?\n\nYeah. Yep. Yeah. Absolutely. Not a problem at all.\n\nIt's definitely probably something on everyone's mind at the moment. We hear a lot about it in the news and the media, so I can completely understand. Look. What I'll do is I'll run through that first step for you if you like. After the call, within the next I'm sorry.\n\nI've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going through for you to review. But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon. I've got I've got your report in front of me here. So having a bit of a look at the way things are, and it's quite understandable. Obviously, the world is showing a little bit of volatility at the moment with what's happening between Iran and The US.\n\nObviously, the fuel shortages and the concern around that is having a bit of an impact on Australian equities as well. And then here in the home front, we've also had some high inflation, which has been affecting affecting fixed interest in bond markets as well. So your super in particular is actually doing quite well for where we're at. A lot of the clients I've spoken to have had some negative results to sort of with the volatility. But for your super, you're up after fees of 4.27% for the last twelve months.\n\nSo you're actually coming out showing a positive right now, and that's really good to see. We did also send through an email a couple of weeks back. Do you remember receiving a record of advice in your emails recently at all just with an update to your portfolio? Yeah. Yeah.\n\nBeautiful. So one of the reasons you actually got a bit of a positive result here at the moment is that we've also removed some one of the underlying investments from your portfolio and replaced it. It was actually underperforming. So you originally have Benelon Australian Equities in there. That was originally placed in your portfolio as a little bit of an actively managed component.\n\nThe investment manager's job on in Bennelong was to kinda try and outperform the market, and they were picking and choosing equities to have in their investments to make sure that they were, you know, showing good quality growth. Unfortunately, in recent weeks and recent months, sorry, Bennelong have had some issues with some of the underlying investments in their in their managed fund, and it means that that investment as a whole has been underperforming slightly. So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios. And so as a result, we have removed it as the underperforming investment. And we've actually replaced that with the BetaShares a 200.\n\nSo it's still giving you exposure to the Australian equities. It's just that it's more of a passively managed fund, so it's tracking the top 200 companies via the index there. It has actually performed very well for the past couple of weeks. It's definitely sort of provided a bit of recovery from the underperformance of Bennelong, and it's definitely, you know, buying in at the right time with the volatility that we have seen has also had a good impact on your sleeper as a whole and has definitely helped with it coming out to a positive result for those twelve months. So, yeah, we hope to yeah.\n\nWe definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well. One of the things I wanted to also touch base on is we're give doing a full annual review with you once a year, but we wanted to make sure and update our system to make sure we're doing catch up on a regular basis with you as well. Did you want us to maybe touch base once every six or three months or to do a bit of a catch up with you, or are you happy just with once a year? What's your preference moving forward? Yeah.\n\nYeah. Absolutely. With this year, another way that the book is set, I know last year was a little bit all over the place. It was a bit of, you know, bit difficult with all everything that was going on. But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently.\n\nSo myself and my lovely admin team member, Michelle, so you'll get to know quite well. We'll have it in our calendar. So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to make sure the algorithm a bit more consistent for you moving forward. Okay? Beautiful.\n\nSo, look, it's great that you've seen a positive result for the year. The other investments within there showing positive results. You've got some physical gold that is showing a great return of up 28% for the year. Physical gold has had a really good run. We did have a bit of a pullback in about February.\n\nIt dropped by between eleven to 18% for some portfolios in one day, but it has definitely recovered back. And for the year, you're up 28% just in the gold, which is great to see. It did. It absolutely did. You you do also have some cybersecurity in your portfolio.\n\nThat is down a little bit for the year. However, it is still a good investment to keep in there. We have sort of reviewed that investment. Unlike then along, the the cybersecurity component is still giving you diversification. It is global, and we do see that still as an important part of your investment portfolio.\n\nSo we do expect to come back. So we are just gonna hold on to that one for a bit longer and wait and see. If I find that there's needs to be any kind of movement there, we'll definitely make sure we let you know. Yeah. Yeah.\n\nYeah. Nice. Yeah. That's a really good question. So there are a lot of them out there.\n\nWhen we are picking and building portfolios for our clients, we wanna make sure that the investments that you're in have been through those big market volatility times. So we do look at investments that have been around for a long time that have gone through volatility like you see with the GFC and with COVID, and they have come back and rebounded so that we know that you're in a portfolio and in investments that can withstand those ups and downs. We also, yeah, we also look at what's in what they're invested in, the sorts of areas. We look at the components inside it. So when we're looking at, say, a managed fund, we might be looking at what component is Australian equities, if there's any international equities, any, you know, alternatives that might be in there.\n\nAnd we also consider the defensive side of things, so fixed interest and cash and bonds as well. We generally have, like, a set profile that we adhere to. So we look at the growth and defensive assets, making sure you're within a certain range. And then underlying from there, you've also got set percentages for international equities, Australian equities, fixed interest bonds, cash, and also alternatives. And we try to kinda make sure you're fitting within those ranges for your investment options.\n\nAnd then we also look at essentially the the portfolio returns, how they have performed over the past five to ten years, obviously, a longer track record and consistent returns. Whilst it's never a guarantee of future returns, it does show you consistent returns in the past, means it has the ability to do the same in the future. Never a guarantee, but the best we can do when we're looking at, you know, the way we wanna invest in the future in the market. So, yeah, yeah, there's a bit to it. Yeah.\n\nYeah. Absolutely. Well, because it is a lot of fun. It is something that I do. I really enjoy doing.\n\nI love reading it. We talk about it a lot. We're always watching it as well as talking to clients and providing advice and things like that. But it is really exciting to look at and to learn about. It's something that I enjoyed learning about, and, hopefully, our advisers coming up underneath us will enjoy it just as much.\n\nBut it is really cool, and I can sort of see why. But, look, because you are a client, if you find that there is something you're interested in, you wanted some research material, things like that, we do have access to, like, Morningstar and Lonestack and things like that. So we can always have a look and see what research material we can obtain for you to provide. If you're interested and want that, you're welcome to let me know, and I'm happy to go and do whatever research you might need. And if you did wanna down the track look at maybe building an investment profile very similar to what your portfolio in Netwealth looks like, we can also help and provide advice in those areas for you as well.\n\nSo, Yeah. That's okay. That's not a problem. I will make sure your portfolio report is in that at the end, your review documents for you to have a look at, but it's really good to see that you've come up with a positive return for the year thus far. We'll just make sure we keep monitoring things for you, and we'll definitely do a catch up in six months to see how things are tracking then for you as well.\n\nOkay. Excellent. All good. I also just wanted to touch base on the insurance side of things. I know last year, we sort of spoke about you don't have any life, PPD, income protection, no trauma insurances.\n\nAre you still comfortable not having any personal insurances? Did you wanna maybe have a deeper conversation or look at what those covers look like or what they are or how they could benefit you? Or Okay. Yeah. In the transition.\n\nOh, you're still newlyweds. Yeah. Yeah. Yep. Yeah.\n\nNo. Understandable. Absolutely. Well, if you did wanna have a look at things like life, TPD, income protection, trauma cover, those personal types of insurances, feel free to let me know. We're more than happy to provide advice and talk about what your goals are and, you know, update the advice and make recommendations on what product, how much, or how it affects you, and show you how it affects your super as well or out of pocket expenses depending on how you pay for those.\n\nSo it's definitely something we can touch on down the track if you'd like to. Okay. You beautiful. Not a problem at all. Now I've got down here that your wife is Claire.\n\nIs that right? Yep. Beautiful. I've got her down as your next of kin there as well, which is fantastic. How has work been for the last twelve months?\n\nHas anything sort of changed work wise? Are you still in the same position? Wow. Yeah. No.\n\nThat's okay. Yeah. Look. I'm exactly the same. I'm in my forties now, and I'm quite happy just to chill, let things day and day go by, enjoy my weekend, sort of quiet.\n\nNo. I'm with you there. You kinda get to that point. That's it. I've got thank you.\n\nI've got down here your income was about 120,000. Have you been able to get a pay rise since the last quarter up at all? Yep. Yes. No.\n\nYep. No. Perfect. With the assets and liabilities I have here, the main primary residence there, the asset value was a million dollars last year. What sort of value would you put on the property at the moment, do you think?\n\nYep. Beautiful. And we have here the mortgage was able to be reduced to about 350,000. Have you been able to reduce that a little bit further at all since then? Yeah.\n\nFantastic. That's a good drop. Excellent. Beautiful. I've lost yeah.\n\nAbsolutely. And, look, the other areas of advice and, you know, we do super. We do insurances. We do investments and things. And if you ever wanna cash on budgeting advice and your debt reduction advice and things like that, again, I'm a full licensed adviser.\n\nSo we're here to help, and we can certainly help you with those areas. So you guys are more than welcome to give me a call if you ever wanted, you know, to talk about that reducing your mortgage a bit faster or what that might look like. And we can always refer you through to our local mortgage broker if you did need to or want to look at refinancing at any point as well. Okay? Yeah.\n\nBeautiful. Beautiful. Are there assets I yes, sir. Sure. So the more yeah.\n\nFor the for the mortgage brokers? Yes. So they actually use all of them. Essentially, our mortgage brokers, and we have a couple of them, are licensed to both first and second team, like, banks and financial institutions. So they look at all the different options that they're able to access, and they come up with the best option, the best structure, and to help you meet your goals there.\n\nSo it's not just one thing. They're all licensed to to, you know, work with. It's essentially as many as they possibly can. All of them do sort of work with the big four banks, so they also have a lot of second tier credit unions and things like that that can also provide assistance for you. So yeah.\n\nAll good. So the next asset I had here was your four by four Amarok. That was valued at about 35,000. Would you sort of keep that value about the same, or do you think you might change that this year at all? Yeah.\n\nBeautiful. Excellent. And contents, we had an asset value of about 50,000. Would you still value your contents about the same? Or yep.\n\nBeautiful. Fantastic. Thank you for that. That's the only assets that I had noted down. Is there anything else of value you have any you mentioned you've got some shares at the moment as well.\n\nI should note those down for you. What yeah. Yes. Fantastic. Yeah.\n\nBrilliant. Excellent. And what do you what do you own? Most of the shares is individual companies or ETFs or? Okay.\n\nNice. Yep. Yes. No. That's okay.\n\nIt sounds really good. And, look, if you've got about 19 or 20,000, then that's fantastic. It must be doing really well. Yeah. Absolutely.\n\nThat's fantastic. Well, I certainly hope it keeps going the same way, and just always give us a call if there's any any help we can give you at all. Okay? That's fantastic. I also had on here last time we sort of spoke, you you guys haven't really set up a will or power of attorney.\n\nIs it something you guys have talked about since our last annual review, and have you seen a solicitor and had a will or power of attorney done up at all? No. That's okay. We do have I'm not sure if we did last year or not, but we do have access to some solicitors that we do refer clients through too. Did you want me to send you an email after the call just for some information around the solicitor's information, the details on how much they charge to do up a will and power of attorney?\n\nJust kinda starts the conversation for you. Would you like that at all? You're allowed to say no. It's fine. Yep.\n\nYep. Yeah. Perfect. No worries at all. And I've also got down here your beneficiary nominations on your super.\n\nIt is set to clear a 100%, and it's binding non lapsing. So you're happy with that nomination as it is? No need to change that at all? Yep. Perfect.\n\nExcellent. That's basically updating majority of your details there. Now you are still quite young. You've got a lot of time ahead of you at the moment. I've got down here that we're sort of tracking over time and is about age 60.\n\nIs that still where we're sort of heading goal wise at the moment? Yep. Perfect. Perfect. Incoming retirement is probably hard to kinda digest at the moment.\n\nI did have here $600 a week in retirement. Are you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer to? Yep. Yep. Yep.\n\nBeautiful. Is there any other goals that you might have? I know last year, we sort of made mention that you were just looking to try and pay the mortgage down as much as possible. You've definitely cut quite a chunk off that since then. Are you paying a bit more onto your mortgage than needed?\n\nOr Yes. Yeah. Yeah. No. That's fantastic.\n\nYeah. Yeah. Absolutely. And one of the big things to sort of look at is when you look at the returns, you can probably get inside investing versus what you're paying on your mortgage. Your mortgage what you're paying in interest is basically a guaranteed return.\n\nWhereas with the markets and the volatility, it's not necessarily it's not exactly guaranteed the returns you get from shares and from investing. So So if you're taking a lump sum, you're putting that onto your mortgage, you are reducing the amount you have to pay for your minimums. You're you're reducing the amount you're paying for interest as well, but you are essentially saving a guaranteed rate of return, which we've just had a couple of interest rate hikes, and there's there's there may be another one down the track there as well. So definitely not a bad thing to do at the moment. Yeah.\n\nThat's okay. I know you're in the process of kinda consolidating everything. So either of you or you guys have any other goals that you're looking to sort of achieve in the next twelve months or one to two years, or you're just sort of seeing how things go? Yep. Lovely.\n\nYep. Perfect. Well, good luck. I hope it all goes well. Certainly looking forward to seeing how things go for you both.\n\nAnd is Claire work that's alright. Is Claire working as well? Or Or yep. Oh, fantastic. Is that where you met?\n\nOh, that's lovely. Yeah. Fantastic. No. That's really good to see.\n\nThat's excellent. Beautiful. Well, the only other thing I was wanted to touch base on with you is just doing a bit of a new risk profile questionnaire, just making sure that you are investing correctly in the right profile. We did go through it last year, and you did call high growth, and you were happy to stay in that kind of environment. I don't have to go through all the questions unless you really wanna fully assess it, but I just wanna give you a guide on what a high growth portfolio looks like.\n\nGenerally, about 90% of your sleep is invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And then the other sort of 10% is invested in defensive to lower risk investments like cash, bonds, and fixed interest. Having a mix of those gives you a good diversified portfolio, and a high growth investor's happy to take on a bit more market volatility. You can sort of withstand ups and downs like what we do see at the moment because, you know, you're not gonna be touching your super for the next sort of, you know, fifteen to twenty years depending on when you decide to retire. The high growth environment normally suits someone who's got at least eight years accessing super.\n\nYou've got double that at the moment, so you you don't need to touch it in the next eight years. So it does kinda fit your time horizon for where you are. And, generally, when we're looking at a high growth environment, we're chasing returns of about eight to 10%. So anything under the 8% is considered underperformance. So whilst this Uber's come out with a positive re per return this year, it has technically underperformed where we'd like it to be.\n\nBut in the current climate, we're seeing a positive result is still fantastic. Yeah. Anything over that 10% would normally be considered over performance and is fantastic to see. And we do know that what you're looking at is some years that will be lower like what we have at the moment, whereas other years, it will definitely be higher and over that 10%, which is great as well. So you're sort of wanting to go through those ups and downs, have your contributions continuously put into them, dollar cost averaged in.\n\nSo it's helping you compounding effect and taking advantages of the market ups and downs there. And with a high growth portfolio, because of the you know, you are taking a bit more risk in the market, we understand and sort of expect the likelihood of a negative return to be about one in every sort of five years. Do you still feel comfortable in that sort of environment? Did you want me to go through the questions and sort of reevaluate it for you, or are you happy to stay there? Yeah.\n\nYep. Perfect. Not a problem at all. So, I mean, with everything you've gone through with your agent stage and where you're at and the fact that you're contributing to super and is working really well for you, the high growth environment definitely suits where you are. If you find at any point you're not comfortable in that or you wanted to reevaluate it, do let me know.\n\nWe do an annual review every year, but you're not limited to that. At any point, if you go, hey. This is a bit uncomfortable. I think I wanna review it. You just give me a buzz.\n\nI'll book you in, and we can talk about what your options are and definitely review that. So, normally, we sort of see you in a high growth environment up until around about sort of your mid forties to early fifties depending on your comfort level. But at the same time, it's different for everyone in their comfort level and where they're at in their income and whatnot. So it can always be reevaluated at any time for yourself. Okay?\n\nFantastic. Did you have any questions in relation to anything that we've gone through, or is there anything that you wanted me to touch on that I haven't yet touched on for you? Sure. Yeah. It absolutely does.\n\nWhen we see that the markets are having a bit of a downtime like what we have sort of seen over the past few months, it's definitely more considered a buying opportunity. As long as the investment that you're invested in is still a quality investment, you don't feel it, you know, should be removed from the portfolio, then we just see it as a buying opportunity. The biggest thing with what we do as financial advisers is you've probably heard the term time in the market beats time in the market. So we try not to be buying and selling in a way that we're day trading the super. Because, realistically, what we wanna do is we wanna stay invested in the market and allow your contributions to keep going in at all the intervals they do.\n\nSo when they go in, they buy into into the discounted units when the market's down, or when the market's up, they buy into the same units, and they buy less of those units. So you're sort of taking advantage of the market when it's up and down there. There was a report Vanguard did a while ago, which is really interesting, and they sort of looked at the comparison of staying in the market through the ups and downs or trying to time the market. And they kind of worked out that if you missed the best and worst trading day by only a few hours or by a few days, you actually, depending on how much you had invested, missed out on between 2,000 to $50,000 over that lifetime. So, yeah, so it's very hard to time the market.\n\nIt's always difficult. Most people that try fail nine out of 10 times. So as advisors, we have more philosophy where staying in the market is participating in the market and taking advantage of those downtimes and keeping your contributions going in provides a greater benefit over the longer term. Yeah. Yeah.\n\nYeah. Did that answer your question? Yeah. Yeah. Yeah.\n\nYeah. A bit gibberish. Yeah. No. Definitely.\n\nWell, if you ever find questions, please let me know. I'm more than happy to do so. What I'll do after the call is I'll send you an email there, Adrian, so you do have my direct email as well. If you find you have any questions at any point, please let me know. My name is Dana.\n\nI'm happy to answer any questions you might have. It doesn't matter what it is. If it's on your mind and it's important to you, then it's a good question to ask. I can help you with research material on certain things if you're interested or if you just want a bit of, you know, information. Feel free to let me know.\n\nI'm more than happy to help you out and, you know, help with the education value. It's part of my job that I love is educating people on how and why we invest and how it all works because it's not something we ever learned when we were younger, so it's actually pretty cool to share that. Yeah. Yeah. Absolutely.\n\nIn the and your review pack that my team will send out over the next couple of days, it'll have your ongoing service agreement for the next twelve months there. Now for our services and for us looking after your sleep, you do pay an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments from your sleep, and the idea of the percentage based fee is that fluctuates with the market. So when the market is down, like some of the volatility that we have seen recently, then our fee does sort of take a bit of a dip with it. However, when the market does go up, then our fee takes a bit of a rise with it as well.\n\nSo the idea is it's linked to the performance if you're suited for that. I'll also make sure that there's I'll pop in a little Vanguard chat for you. It's probably one you've seen before, but it's actually kind of really cool. It sort of shows you over the last thirty years how investing in different markets has reacted. So I'll pop that in there for you.\n\nYou'll see it's got a lovely big red heading that says Vanguard. And if you have a look at that and you get a bit confused or you wanna sort of talk it through, let me know. I'm more than happy to give you a bit of a breakdown. I'll even probably attach this email this afternoon with a little bit of a breakdown for you so you can kind of have a look at that. But it's a really good guide on how different investments have reacted over the last thirty years and why we invest the way we do and how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool.\n\nYeah. Yep. So yeah. Yep. Yeah.\n\nSo depending on what you're investing in, when we do it for your super, we utilize platforms and research houses like lawn, sec, and morning staff. They are they're just like a they're research platforms. They cost a lot of money to have every year, so we utilize those. So if there's anything you're interested in, let me know. I can go into those and see if they provide the research for you.\n\nIn my own sort of world investing outside of Super, I use a lot of the individual company's website. So any any company listed on the ASX or certain exchanges has an investor profile or an investor section on their website. And I go into those sections, and I read all of the media releases. I read all of the individual annual reports and things like that, look at the breakdown of what their numbers are, their earnings, and things like that. And that kinda gives me an idea of what they're tracking for, how they're being performing, whether they've got a bit of, you know, free cash flow, things like that, and having a look at what their goals are moving forward, what they're hoping to sort of achieve.\n\nI also then utilize as many news articles as I possibly can written by, you know, as many as as many different people as possible to try and sort of understand, you know, how other people sort of use the company as a whole. So when I sort of research companies in my own world outside of work, it takes me about a month to do that research on one company to really delve into it. But throughout here, if you just wanted to, you know, say, hey. You're interested in a certain company. What, you know, what research material can we get?\n\nWe'll have a look at Lonsac. We'll have a look at Morningstar. We'll have a look at any other analysts that might provide the information, and we can always email it through to you so you can have a bit of a raise. That might just give you a bit of a hand. Yeah.\n\nYeah. Absolutely. Perfect. Perfect. The only other thing to make mention is in the annual review pack, you'll also have a financial services guide, which outlines everything about who we are, what we do, how we do it.\n\nIt has all my licensing information in there for you. As a full licensed adviser, we are registered with Aspic, and my registration number is 1304394. I'll also probably have in there a tax file consent form. We're just updating all of those as well. It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number.\n\nAnd with all the security things happening in recent years, we wanna make sure you're aware of the information we hold on you and how and why. So we are very security conscious in that way. So there'll be a tax file opt in form. And every so often, we also like to update the so the ATO authorities as well. So it's essentially a lost super search.\n\nWe just get everyone to sign one every couple of years, and we send it off to the ATO and get them to go out there and do a bit of looking to see if there's any lost super or a bit of money sitting aside somewhere that we can consolidate for you as well. Okay. Yeah. Beautiful. All good.\n\nIs there any questions or anything that I might not have touched on or anything you kinda wanted me to break down a bit further for you? All good? That's okay. I'll send you the email shortly with that bit of information for you, and then you're always welcome to come back and let me know if there's anything else. In the meantime, if you do have any questions, let me know, and I'll make sure we do a catch up in about six months there for you.\n\nOkay? Beautiful. That's okay. Thank you so much for your time today, Adrian. I really appreciate it.\n\nNo worries. I'll talk to you soon. Thank you for your time. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Adrian.","start":1.76,"end":2.48,"sentiment":"neutral","sentiment_score":0.09730982407927513},{"text":"It's Dana from Oakey Financial.","start":2.48,"end":4.02,"sentiment":"neutral","sentiment_score":0.13371517956256868},{"text":"How are you this afternoon?","start":4.08,"end":5.22,"sentiment":"neutral","sentiment_score":0.17286834120750427},{"text":"I'm very well.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.5741828878720602},{"text":"Thank you.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.6511035561561584}],"sentiment":"neutral","sentiment_score":0.2795466487022007,"num_words":17,"start":1.76,"end":9.12},{"sentences":[{"text":"Thanks for asking.","start":9.12,"end":9.92,"sentiment":"positive","sentiment_score":0.6270636320114136},{"text":"I had you booked in to go through your annual review today.","start":9.92,"end":12.32,"sentiment":"neutral","sentiment_score":0.25648990149299306},{"text":"Is now still a good time there for you?","start":12.32,"end":14.42,"sentiment":"neutral","sentiment_score":0.23304900030295053},{"text":"Yep.","start":15.965,"end":16.465,"sentiment":"neutral","sentiment_score":0.2584139108657837},{"text":"Fantastic.","start":17.005,"end":17.505,"sentiment":"positive","sentiment_score":0.5857858061790466}],"sentiment":"neutral","sentiment_score":0.30387347822005933,"num_words":26,"start":9.12,"end":17.505},{"sentences":[{"text":"And before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":17.725,"end":22.125,"sentiment":"neutral","sentiment_score":0.17259477586908775},{"text":"Are you happy for me to proceed with that?","start":22.125,"end":24.064999,"sentiment":"neutral","sentiment_score":0.19889011647966173},{"text":"Fantastic.","start":25.645,"end":26.145,"sentiment":"positive","sentiment_score":0.6160948872566223},{"text":"And I'll do some security there with you as well.","start":26.204998,"end":28.039999,"sentiment":"neutral","sentiment_score":0.26081055849790574},{"text":"We are discussing personal information.","start":28.039999,"end":29.64,"sentiment":"neutral","sentiment_score":0.08860094100236893}],"sentiment":"neutral","sentiment_score":0.1969000275464768,"num_words":47,"start":17.725,"end":29.64},{"sentences":[{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":29.64,"end":33.66,"sentiment":"neutral","sentiment_score":0.10010037906467914},{"text":"Beautiful.","start":42.295,"end":42.695,"sentiment":"positive","sentiment_score":0.44610679149627686},{"text":"Thank you so much for that.","start":42.695,"end":44.234997,"sentiment":"positive","sentiment_score":0.5741795500119528},{"text":"Adrian, just wanted to sort of jump into the annual review and go through things with you.","start":44.454998,"end":48.295,"sentiment":"neutral","sentiment_score":0.2796540733645944},{"text":"Is there any particular you wanted me to touch base on or any questions that you might have for me that you wanted me to address today for you?","start":48.295,"end":54.84,"sentiment":"neutral","sentiment_score":0.1078517198048789}],"sentiment":"neutral","sentiment_score":0.18869877800549548,"num_words":73,"start":29.64,"end":54.84},{"sentences":[{"text":"Yeah.","start":65.4,"end":65.9,"sentiment":"neutral","sentiment_score":-0.02220892161130905},{"text":"Yep.","start":67.33501,"end":67.83501,"sentiment":"neutral","sentiment_score":-0.02462230995297432},{"text":"Yeah.","start":70.455,"end":70.855,"sentiment":"neutral","sentiment_score":0.028736190870404243},{"text":"Absolutely.","start":70.855,"end":71.355,"sentiment":"neutral","sentiment_score":0.07470428943634033},{"text":"Not a problem at all.","start":71.575005,"end":72.375,"sentiment":"neutral","sentiment_score":0.07773596569895744}],"sentiment":"neutral","sentiment_score":0.04947656413747205,"num_words":9,"start":65.4,"end":72.375},{"sentences":[{"text":"It's definitely probably something on everyone's mind at the moment.","start":72.375,"end":74.775,"sentiment":"neutral","sentiment_score":0.003816599026322365},{"text":"We hear a lot about it in the news and the media, so I can completely understand.","start":74.775,"end":79.175,"sentiment":"neutral","sentiment_score":-0.0043065155691960275},{"text":"Look.","start":79.175,"end":79.33501,"sentiment":"neutral","sentiment_score":0.02217932790517807},{"text":"What I'll do is I'll run through that first step for you if you like.","start":79.33501,"end":82.05,"sentiment":"neutral","sentiment_score":0.05481129710872968},{"text":"After the call, within the next I'm sorry.","start":82.37,"end":85.350006,"sentiment":"neutral","sentiment_score":-0.015853715827688575}],"sentiment":"neutral","sentiment_score":0.013381848696107958,"num_words":51,"start":72.375,"end":85.350006},{"sentences":[{"text":"I've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going through for you to review.","start":85.41,"end":94.07,"sentiment":"neutral","sentiment_score":0.01503544453627024},{"text":"But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon.","start":94.835,"end":99.895004,"sentiment":"neutral","sentiment_score":-0.19799587469209323},{"text":"I've got I've got your report in front of me here.","start":100.435,"end":102.995,"sentiment":"neutral","sentiment_score":0.0026394790250130677},{"text":"So having a bit of a look at the way things are, and it's quite understandable.","start":102.995,"end":105.895004,"sentiment":"neutral","sentiment_score":0.02096433425322175},{"text":"Obviously, the world is showing a little bit of volatility at the moment with what's happening between Iran and The US.","start":106.035,"end":111.59,"sentiment":"neutral","sentiment_score":-0.2771978144134794}],"sentiment":"neutral","sentiment_score":-0.08464419625383383,"num_words":109,"start":85.41,"end":111.59},{"sentences":[{"text":"Obviously, the fuel shortages and the concern around that is having a bit of an impact on Australian equities as well.","start":111.59,"end":119.07,"sentiment":"negative","sentiment_score":-0.35396245618661243},{"text":"And then here in the home front, we've also had some high inflation, which has been affecting affecting fixed interest in bond markets as well.","start":119.07,"end":125.875,"sentiment":"neutral","sentiment_score":-0.10661675162613392},{"text":"So your super in particular is actually doing quite well for where we're at.","start":125.875,"end":130.675,"sentiment":"neutral","sentiment_score":0.23149491101503372},{"text":"A lot of the clients I've spoken to have had some negative results to sort of with the volatility.","start":130.675,"end":135.63501,"sentiment":"neutral","sentiment_score":-0.29982811251753255},{"text":"But for your super, you're up after fees of 4.27% for the last twelve months.","start":135.63501,"end":140.83,"sentiment":"neutral","sentiment_score":0.11788979967435201}],"sentiment":"neutral","sentiment_score":-0.11474562509659123,"num_words":94,"start":111.59,"end":140.83},{"sentences":[{"text":"So you're actually coming out showing a positive right now, and that's really good to see.","start":140.83,"end":145.57,"sentiment":"positive","sentiment_score":0.5967420749366283},{"text":"We did also send through an email a couple of weeks back.","start":147.47,"end":151.23001,"sentiment":"neutral","sentiment_score":0.10969459172338247},{"text":"Do you remember receiving a record of advice in your emails recently at all just with an update to your portfolio?","start":151.23001,"end":157.705,"sentiment":"neutral","sentiment_score":0.07483706969235625},{"text":"Yeah.","start":161.52501,"end":161.925,"sentiment":"neutral","sentiment_score":0.09550660848617554},{"text":"Yeah.","start":161.925,"end":162.24501,"sentiment":"neutral","sentiment_score":0.2242276966571808}],"sentiment":"neutral","sentiment_score":0.25010825624214666,"num_words":51,"start":140.83,"end":162.24501},{"sentences":[{"text":"Beautiful.","start":162.24501,"end":162.74501,"sentiment":"positive","sentiment_score":0.4665147662162781},{"text":"So one of the reasons you actually got a bit of a positive result here at the moment is that we've also removed some one of the underlying investments from your portfolio and replaced it.","start":162.80501,"end":171.23,"sentiment":"neutral","sentiment_score":0.13252836721284048},{"text":"It was actually underperforming.","start":171.23,"end":172.37,"sentiment":"neutral","sentiment_score":-0.20169910416007042},{"text":"So you originally have Benelon Australian Equities in there.","start":172.83,"end":176.75,"sentiment":"neutral","sentiment_score":-0.006636985474162632},{"text":"That was originally placed in your portfolio as a little bit of an actively managed component.","start":176.75,"end":181.09,"sentiment":"neutral","sentiment_score":0.01871795253828168}],"sentiment":"neutral","sentiment_score":0.0698148549749301,"num_words":65,"start":162.24501,"end":181.09},{"sentences":[{"text":"The investment manager's job on in Bennelong was to kinda try and outperform the market, and they were picking and choosing equities to have in their investments to make sure that they were, you know, showing good quality growth.","start":181.795,"end":193.095,"sentiment":"neutral","sentiment_score":0.13070763380099565},{"text":"Unfortunately, in recent weeks and recent months, sorry, Bennelong have had some issues with some of the underlying investments in their in their managed fund, and it means that that investment as a whole has been underperforming slightly.","start":193.235,"end":206.01,"sentiment":"negative","sentiment_score":-0.3953204160850299},{"text":"So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios.","start":206.01,"end":216.975,"sentiment":"neutral","sentiment_score":-0.061339449806091115},{"text":"And so as a result, we have removed it as the underperforming investment.","start":217.27501,"end":221.21501,"sentiment":"neutral","sentiment_score":-0.1683677305968908},{"text":"And we've actually replaced that with the BetaShares a 200.","start":221.755,"end":225.195,"sentiment":"neutral","sentiment_score":-0.020213825907558203}],"sentiment":"neutral","sentiment_score":-0.10581104598751814,"num_words":139,"start":181.795,"end":225.195},{"sentences":[{"text":"So it's still giving you exposure to the Australian equities.","start":225.195,"end":228.61,"sentiment":"neutral","sentiment_score":0.034436372295022014},{"text":"It's just that it's more of a passively managed fund, so it's tracking the top 200 companies via the index there.","start":228.67,"end":235.25,"sentiment":"neutral","sentiment_score":0.11067237013152667},{"text":"It has actually performed very well for the past couple of weeks.","start":235.55,"end":238.51,"sentiment":"positive","sentiment_score":0.6768442640701929},{"text":"It's definitely sort of provided a bit of recovery from the underperformance of Bennelong, and it's definitely, you know, buying in at the right time with the volatility that we have seen has also had a good impact on your sleeper as a whole and has definitely helped with it coming out to a positive result for those twelve months.","start":238.51,"end":254.77501,"sentiment":"positive","sentiment_score":0.684812660018603},{"text":"So, yeah, we hope to yeah.","start":254.77501,"end":257.13998,"sentiment":"positive","sentiment_score":0.5299793183803558}],"sentiment":"positive","sentiment_score":0.5051307355592011,"num_words":109,"start":225.195,"end":257.13998},{"sentences":[{"text":"We definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well.","start":257.13998,"end":262.75998,"sentiment":"positive","sentiment_score":0.43083240934040234},{"text":"One of the things I wanted to also touch base on is we're give doing a full annual review with you once a year, but we wanted to make sure and update our system to make sure we're doing catch up on a regular basis with you as well.","start":262.97998,"end":275.07498,"sentiment":"neutral","sentiment_score":0.13136484930101705},{"text":"Did you want us to maybe touch base once every six or three months or to do a bit of a catch up with you, or are you happy just with once a year?","start":275.07498,"end":282.115,"sentiment":"neutral","sentiment_score":0.07311476635582306},{"text":"What's your preference moving forward?","start":282.115,"end":283.895,"sentiment":"neutral","sentiment_score":0.04291334971785545},{"text":"Yeah.","start":293.52,"end":294.02,"sentiment":"neutral","sentiment_score":0.07135935872793198}],"sentiment":"neutral","sentiment_score":0.17069509994637752,"num_words":112,"start":257.13998,"end":294.02},{"sentences":[{"text":"Yeah.","start":296.895,"end":297.215,"sentiment":"neutral","sentiment_score":0.08511970937252045},{"text":"Absolutely.","start":297.215,"end":297.715,"sentiment":"neutral","sentiment_score":0.10528543591499329},{"text":"With this year, another way that the book is set, I know last year was a little bit all over the place.","start":298.735,"end":302.655,"sentiment":"neutral","sentiment_score":-0.08267793228680437},{"text":"It was a bit of, you know, bit difficult with all everything that was going on.","start":302.655,"end":306.57498,"sentiment":"neutral","sentiment_score":-0.16107018711045384},{"text":"But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently.","start":306.57498,"end":310.25497,"sentiment":"neutral","sentiment_score":-0.023527393472336587}],"sentiment":"neutral","sentiment_score":-0.07704438724112316,"num_words":61,"start":296.895,"end":310.25497},{"sentences":[{"text":"So myself and my lovely admin team member, Michelle, so you'll get to know quite well.","start":310.25497,"end":314.89,"sentiment":"neutral","sentiment_score":0.05864873214159161},{"text":"We'll have it in our calendar.","start":315.11002,"end":316.55002,"sentiment":"neutral","sentiment_score":0.04832181769112746},{"text":"So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to make sure the algorithm a bit more consistent for you moving forward.","start":316.55002,"end":325.85,"sentiment":"neutral","sentiment_score":0.0703537430977676},{"text":"Okay?","start":325.91,"end":326.41,"sentiment":"neutral","sentiment_score":0.10254272818565369},{"text":"Beautiful.","start":328.145,"end":328.645,"sentiment":"positive","sentiment_score":0.635696530342102}],"sentiment":"neutral","sentiment_score":0.07463158993766858,"num_words":65,"start":310.25497,"end":328.645},{"sentences":[{"text":"So, look, it's great that you've seen a positive result for the year.","start":329.345,"end":331.905,"sentiment":"positive","sentiment_score":0.7135951885810266},{"text":"The other investments within there showing positive results.","start":331.905,"end":334.465,"sentiment":"positive","sentiment_score":0.413627028465271},{"text":"You've got some physical gold that is showing a great return of up 28% for the year.","start":334.465,"end":339.425,"sentiment":"positive","sentiment_score":0.4800947483848123},{"text":"Physical gold has had a really good run.","start":339.425,"end":341.685,"sentiment":"positive","sentiment_score":0.4593431055545807},{"text":"We did have a bit of a pullback in about February.","start":342.02002,"end":344.92,"sentiment":"neutral","sentiment_score":0.10776673054153268}],"sentiment":"positive","sentiment_score":0.4492551453019443,"num_words":57,"start":329.345,"end":344.92},{"sentences":[{"text":"It dropped by between eleven to 18% for some portfolios in one day, but it has definitely recovered back.","start":344.98,"end":351.06,"sentiment":"neutral","sentiment_score":0.12570784280174657},{"text":"And for the year, you're up 28% just in the gold, which is great to see.","start":351.06,"end":355.40002,"sentiment":"positive","sentiment_score":0.44341785833239555},{"text":"It did.","start":359.845,"end":360.505,"sentiment":"neutral","sentiment_score":0.18214670568704605},{"text":"It absolutely did.","start":360.805,"end":362.585,"sentiment":"neutral","sentiment_score":0.2906081974506378},{"text":"You you do also have some cybersecurity in your portfolio.","start":363.845,"end":366.98502,"sentiment":"neutral","sentiment_score":0.028704275935888292}],"sentiment":"neutral","sentiment_score":0.22012591019272804,"num_words":50,"start":344.98,"end":366.98502},{"sentences":[{"text":"That is down a little bit for the year.","start":367.20502,"end":369.42,"sentiment":"neutral","sentiment_score":-0.054405740979644984},{"text":"However, it is still a good investment to keep in there.","start":369.90002,"end":372.72,"sentiment":"neutral","sentiment_score":0.12650289284912022},{"text":"We have sort of reviewed that investment.","start":373.34003,"end":375.2,"sentiment":"neutral","sentiment_score":0.07945430331996509},{"text":"Unlike then along, the the cybersecurity component is still giving you diversification.","start":375.26,"end":380.0,"sentiment":"neutral","sentiment_score":0.0936116399243474},{"text":"It is global, and we do see that still as an important part of your investment portfolio.","start":380.30002,"end":385.535,"sentiment":"neutral","sentiment_score":0.11740913899505839}],"sentiment":"neutral","sentiment_score":0.08173848781734705,"num_words":56,"start":367.20502,"end":385.535},{"sentences":[{"text":"So we do expect to come back.","start":385.675,"end":387.455,"sentiment":"neutral","sentiment_score":0.07450885804636138},{"text":"So we are just gonna hold on to that one for a bit longer and wait and see.","start":387.835,"end":391.195,"sentiment":"neutral","sentiment_score":0.0369979879922337},{"text":"If I find that there's needs to be any kind of movement there, we'll definitely make sure we let you know.","start":391.195,"end":396.01498,"sentiment":"neutral","sentiment_score":0.04372000454791954},{"text":"Yeah.","start":407.57,"end":408.07,"sentiment":"neutral","sentiment_score":0.0018106922507286072},{"text":"Yeah.","start":408.85,"end":409.35,"sentiment":"neutral","sentiment_score":0.00269915908575058}],"sentiment":"neutral","sentiment_score":0.04396157785474012,"num_words":48,"start":385.675,"end":409.35},{"sentences":[{"text":"Yeah.","start":426.61,"end":427.11,"sentiment":"neutral","sentiment_score":0.05429103597998619},{"text":"Nice.","start":427.65,"end":428.15,"sentiment":"positive","sentiment_score":0.3781326413154602},{"text":"Yeah.","start":429.09,"end":429.41,"sentiment":"neutral","sentiment_score":0.21716195344924927},{"text":"That's a really good question.","start":429.41,"end":430.69,"sentiment":"positive","sentiment_score":0.5134215891361237},{"text":"So there are a lot of them out there.","start":430.69,"end":432.63,"sentiment":"neutral","sentiment_score":0.23497621549500358}],"sentiment":"neutral","sentiment_score":0.31361644211060863,"num_words":17,"start":426.61,"end":432.63},{"sentences":[{"text":"When we are picking and building portfolios for our clients, we wanna make sure that the investments that you're in have been through those big market volatility times.","start":432.93,"end":441.04498,"sentiment":"neutral","sentiment_score":0.18716462209288562},{"text":"So we do look at investments that have been around for a long time that have gone through volatility like you see with the GFC and with COVID, and they have come back and rebounded so that we know that you're in a portfolio and in investments that can withstand those ups and downs.","start":441.04498,"end":456.3,"sentiment":"neutral","sentiment_score":0.21347712159708696},{"text":"We also, yeah, we also look at what's in what they're invested in, the sorts of areas.","start":456.75998,"end":461.74,"sentiment":"neutral","sentiment_score":0.11916571198140874},{"text":"We look at the components inside it.","start":462.03998,"end":464.195,"sentiment":"neutral","sentiment_score":0.10245462187698909},{"text":"So when we're looking at, say, a managed fund, we might be looking at what component is Australian equities, if there's any international equities, any, you know, alternatives that might be in there.","start":464.195,"end":474.035,"sentiment":"neutral","sentiment_score":0.09916251118887555}],"sentiment":"neutral","sentiment_score":0.16391177202085797,"num_words":139,"start":432.93,"end":474.035},{"sentences":[{"text":"And we also consider the defensive side of things, so fixed interest and cash and bonds as well.","start":474.035,"end":479.59,"sentiment":"neutral","sentiment_score":0.06515245863960849},{"text":"We generally have, like, a set profile that we adhere to.","start":480.05,"end":484.69,"sentiment":"neutral","sentiment_score":0.18744451755827124},{"text":"So we look at the growth and defensive assets, making sure you're within a certain range.","start":484.69,"end":488.87,"sentiment":"neutral","sentiment_score":0.19288400979712605},{"text":"And then underlying from there, you've also got set percentages for international equities, Australian equities, fixed interest bonds, cash, and also alternatives.","start":489.16498,"end":499.425,"sentiment":"neutral","sentiment_score":0.15652235902168535},{"text":"And we try to kinda make sure you're fitting within those ranges for your investment options.","start":499.485,"end":504.53998,"sentiment":"neutral","sentiment_score":0.27740839403122663}],"sentiment":"neutral","sentiment_score":0.1711181241974055,"num_words":83,"start":474.035,"end":504.53998},{"sentences":[{"text":"And then we also look at essentially the the portfolio returns, how they have performed over the past five to ten years, obviously, a longer track record and consistent returns.","start":504.53998,"end":514.95996,"sentiment":"neutral","sentiment_score":0.22095074479778606},{"text":"Whilst it's never a guarantee of future returns, it does show you consistent returns in the past, means it has the ability to do the same in the future.","start":515.33496,"end":523.515,"sentiment":"positive","sentiment_score":0.3445410039918176},{"text":"Never a guarantee, but the best we can do when we're looking at, you know, the way we wanna invest in the future in the market.","start":523.815,"end":530.075,"sentiment":"neutral","sentiment_score":0.039575920225336},{"text":"So, yeah, yeah, there's a bit to it.","start":530.21497,"end":534.42004,"sentiment":"neutral","sentiment_score":0.07528444426134229},{"text":"Yeah.","start":538.48004,"end":538.98004,"sentiment":"neutral","sentiment_score":0.1107964813709259}],"sentiment":"neutral","sentiment_score":0.19534316405336907,"num_words":94,"start":504.53998,"end":538.98004},{"sentences":[{"text":"Yeah.","start":540.88,"end":541.2,"sentiment":"neutral","sentiment_score":0.19768191874027252},{"text":"Absolutely.","start":541.2,"end":541.7,"sentiment":"positive","sentiment_score":0.3352912664413452},{"text":"Well, because it is a lot of fun.","start":542.0,"end":547.285,"sentiment":"positive","sentiment_score":0.5734301377087831},{"text":"It is something that I do.","start":547.285,"end":548.485,"sentiment":"positive","sentiment_score":0.42655639350414276},{"text":"I really enjoy doing.","start":548.485,"end":549.685,"sentiment":"positive","sentiment_score":0.6485268026590347}],"sentiment":"positive","sentiment_score":0.513692992925644,"num_words":20,"start":540.88,"end":549.685},{"sentences":[{"text":"I love reading it.","start":549.685,"end":550.565,"sentiment":"positive","sentiment_score":0.6942025721073151},{"text":"We talk about it a lot.","start":550.565,"end":551.605,"sentiment":"positive","sentiment_score":0.5154515306154887},{"text":"We're always watching it as well as talking to clients and providing advice and things like that.","start":551.605,"end":555.945,"sentiment":"positive","sentiment_score":0.3792746505316566},{"text":"But it is really exciting to look at and to learn about.","start":556.29,"end":559.11,"sentiment":"positive","sentiment_score":0.6072158962488174},{"text":"It's something that I enjoyed learning about, and, hopefully, our advisers coming up underneath us will enjoy it just as much.","start":559.41,"end":565.49,"sentiment":"positive","sentiment_score":0.6134352087974548}],"sentiment":"positive","sentiment_score":0.541431977848212,"num_words":60,"start":549.685,"end":565.49},{"sentences":[{"text":"But it is really cool, and I can sort of see why.","start":565.49,"end":568.20996,"sentiment":"positive","sentiment_score":0.3493199770649274},{"text":"But, look, because you are a client, if you find that there is something you're interested in, you wanted some research material, things like that, we do have access to, like, Morningstar and Lonestack and things like that.","start":568.20996,"end":578.875,"sentiment":"neutral","sentiment_score":0.12700656801462173},{"text":"So we can always have a look and see what research material we can obtain for you to provide.","start":578.875,"end":583.835,"sentiment":"neutral","sentiment_score":0.201205392025019},{"text":"If you're interested and want that, you're welcome to let me know, and I'm happy to go and do whatever research you might need.","start":583.835,"end":589.98004,"sentiment":"neutral","sentiment_score":0.2639554797982176},{"text":"And if you did wanna down the track look at maybe building an investment profile very similar to what your portfolio in Netwealth looks like, we can also help and provide advice in those areas for you as well.","start":589.98004,"end":600.54004,"sentiment":"neutral","sentiment_score":0.24209252764017153}],"sentiment":"neutral","sentiment_score":0.2167994837191972,"num_words":132,"start":565.49,"end":600.54004},{"sentences":[{"text":"So, Yeah.","start":600.54004,"end":601.69495,"sentiment":"neutral","sentiment_score":0.2390960454940796},{"text":"That's okay.","start":602.235,"end":603.035,"sentiment":"positive","sentiment_score":0.3454655408859253},{"text":"That's not a problem.","start":603.035,"end":604.175,"sentiment":"positive","sentiment_score":0.37477531284093857},{"text":"I will make sure your portfolio report is in that at the end, your review documents for you to have a look at, but it's really good to see that you've come up with a positive return for the year thus far.","start":604.71497,"end":614.41,"sentiment":"positive","sentiment_score":0.5250768860181173},{"text":"We'll just make sure we keep monitoring things for you, and we'll definitely do a catch up in six months to see how things are tracking then for you as well.","start":614.41,"end":621.95,"sentiment":"neutral","sentiment_score":0.08452056276221429}],"sentiment":"positive","sentiment_score":0.33755050719152263,"num_words":81,"start":600.54004,"end":621.95},{"sentences":[{"text":"Okay.","start":622.01,"end":622.51,"sentiment":"neutral","sentiment_score":0.14659708738327026},{"text":"Excellent.","start":623.69,"end":624.19,"sentiment":"positive","sentiment_score":0.7501755952835083},{"text":"All good.","start":624.49,"end":625.39,"sentiment":"positive","sentiment_score":0.7015959620475769},{"text":"I also just wanted to touch base on the insurance side of things.","start":625.785,"end":628.90497,"sentiment":"neutral","sentiment_score":0.10633874283387111},{"text":"I know last year, we sort of spoke about you don't have any life, PPD, income protection, no trauma insurances.","start":628.90497,"end":634.845,"sentiment":"neutral","sentiment_score":-0.008728930866345764}],"sentiment":"neutral","sentiment_score":0.09480512557500922,"num_words":37,"start":622.01,"end":634.845},{"sentences":[{"text":"Are you still comfortable not having any personal insurances?","start":635.625,"end":638.445,"sentiment":"neutral","sentiment_score":-0.039258496628867254},{"text":"Did you wanna maybe have a deeper conversation or look at what those covers look like or what they are or how they could benefit you?","start":638.505,"end":645.28,"sentiment":"neutral","sentiment_score":0.03596136855104795},{"text":"Or Okay.","start":645.28,"end":664.51495,"sentiment":"neutral","sentiment_score":-0.007022403180599213},{"text":"Yeah.","start":669.39,"end":669.89,"sentiment":"neutral","sentiment_score":-0.06868278980255127},{"text":"In the transition.","start":673.47,"end":674.37,"sentiment":"neutral","sentiment_score":-0.053809658934672676}],"sentiment":"neutral","sentiment_score":0.008232013163406675,"num_words":41,"start":635.625,"end":674.37},{"sentences":[{"text":"Oh, you're still newlyweds.","start":681.645,"end":682.865,"sentiment":"neutral","sentiment_score":-0.038791230879724026},{"text":"Yeah.","start":694.38,"end":694.88,"sentiment":"neutral","sentiment_score":-0.015961382538080215},{"text":"Yeah.","start":704.475,"end":704.975,"sentiment":"neutral","sentiment_score":-0.04570581763982773},{"text":"Yep.","start":705.115,"end":705.615,"sentiment":"neutral","sentiment_score":-0.048995569348335266},{"text":"Yeah.","start":712.39496,"end":712.89496,"sentiment":"neutral","sentiment_score":-0.08768273144960403}],"sentiment":"neutral","sentiment_score":-0.04418880306184292,"num_words":8,"start":681.645,"end":712.89496},{"sentences":[{"text":"No.","start":713.85,"end":714.08997,"sentiment":"neutral","sentiment_score":-0.11552038788795473},{"text":"Understandable.","start":714.08997,"end":714.58997,"sentiment":"neutral","sentiment_score":-0.08437445014715195},{"text":"Absolutely.","start":714.97,"end":715.37,"sentiment":"neutral","sentiment_score":0.005445070564746857},{"text":"Well, if you did wanna have a look at things like life, TPD, income protection, trauma cover, those personal types of insurances, feel free to let me know.","start":715.37,"end":722.99,"sentiment":"neutral","sentiment_score":0.02867558822617866},{"text":"We're more than happy to provide advice and talk about what your goals are and, you know, update the advice and make recommendations on what product, how much, or how it affects you, and show you how it affects your super as well or out of pocket expenses depending on how you pay for those.","start":723.13,"end":737.22504,"sentiment":"neutral","sentiment_score":0.318935143541206}],"sentiment":"neutral","sentiment_score":0.21104534415847642,"num_words":86,"start":713.85,"end":737.22504},{"sentences":[{"text":"So it's definitely something we can touch on down the track if you'd like to.","start":737.60504,"end":741.305,"sentiment":"neutral","sentiment_score":0.3145534118016561},{"text":"Okay.","start":741.365,"end":741.865,"sentiment":"neutral","sentiment_score":0.18377728760242465},{"text":"You beautiful.","start":742.87,"end":743.93,"sentiment":"positive","sentiment_score":0.7174535095691681},{"text":"Not a problem at all.","start":743.99,"end":745.37,"sentiment":"neutral","sentiment_score":0.31669055819511416},{"text":"Now I've got down here that your wife is Claire.","start":745.58997,"end":747.83,"sentiment":"neutral","sentiment_score":0.09710184261202812}],"sentiment":"neutral","sentiment_score":0.26943808184428647,"num_words":33,"start":737.60504,"end":747.83},{"sentences":[{"text":"Is that right?","start":747.83,"end":748.64996,"sentiment":"neutral","sentiment_score":0.08692194521427155},{"text":"Yep.","start":749.75,"end":750.14996,"sentiment":"neutral","sentiment_score":0.32894617319107056},{"text":"Beautiful.","start":750.14996,"end":750.55,"sentiment":"positive","sentiment_score":0.7012290954589844},{"text":"I've got her down as your next of kin there as well, which is fantastic.","start":750.55,"end":753.61,"sentiment":"positive","sentiment_score":0.5635788639386495},{"text":"How has work been for the last twelve months?","start":754.965,"end":757.605,"sentiment":"neutral","sentiment_score":0.020401618029508326}],"sentiment":"positive","sentiment_score":0.3423530560564892,"num_words":29,"start":747.83,"end":757.605},{"sentences":[{"text":"Has anything sort of changed work wise?","start":757.605,"end":759.445,"sentiment":"neutral","sentiment_score":-0.007782084468219962},{"text":"Are you still in the same position?","start":759.445,"end":760.905,"sentiment":"neutral","sentiment_score":-0.008105722389050893},{"text":"Wow.","start":766.5,"end":767.0,"sentiment":"neutral","sentiment_score":0.006293638609349728},{"text":"Yeah.","start":769.86005,"end":770.36005,"sentiment":"neutral","sentiment_score":-0.01069298479706049},{"text":"No.","start":771.78,"end":772.02,"sentiment":"neutral","sentiment_score":-0.06993371248245239}],"sentiment":"neutral","sentiment_score":-0.010914570980650537,"num_words":17,"start":757.605,"end":772.02},{"sentences":[{"text":"That's okay.","start":772.02,"end":772.92004,"sentiment":"neutral","sentiment_score":-0.02891893219202757},{"text":"Yeah.","start":775.46,"end":775.78,"sentiment":"neutral","sentiment_score":0.03559841215610504},{"text":"Look.","start":775.78,"end":776.10004,"sentiment":"neutral","sentiment_score":0.043404098600149155},{"text":"I'm exactly the same.","start":776.10004,"end":777.22003,"sentiment":"neutral","sentiment_score":0.07482584100216627},{"text":"I'm in my forties now, and I'm quite happy just to chill, let things day and day go by, enjoy my weekend, sort of quiet.","start":777.22003,"end":784.285,"sentiment":"neutral","sentiment_score":0.16390567876398562}],"sentiment":"neutral","sentiment_score":0.13388212059031834,"num_words":33,"start":772.02,"end":784.285},{"sentences":[{"text":"No.","start":784.285,"end":784.525,"sentiment":"neutral","sentiment_score":0.010400604456663132},{"text":"I'm with you there.","start":784.525,"end":785.505,"sentiment":"neutral","sentiment_score":0.07401756662875414},{"text":"You kinda get to that point.","start":786.605,"end":788.065,"sentiment":"neutral","sentiment_score":0.1764193531125784},{"text":"That's it.","start":789.96497,"end":790.865,"sentiment":"neutral","sentiment_score":0.05656680092215538},{"text":"I've got thank you.","start":791.565,"end":793.98,"sentiment":"positive","sentiment_score":0.36824024468660355}],"sentiment":"neutral","sentiment_score":0.1735930335434044,"num_words":17,"start":784.285,"end":793.98},{"sentences":[{"text":"I've got down here your income was about 120,000.","start":793.98,"end":797.42,"sentiment":"neutral","sentiment_score":0.027298459026496857},{"text":"Have you been able to get a pay rise since the last quarter up at all?","start":797.42,"end":800.72003,"sentiment":"neutral","sentiment_score":-0.0012666413676925006},{"text":"Yep.","start":805.18,"end":805.635,"sentiment":"neutral","sentiment_score":-0.05013728886842728},{"text":"Yes.","start":816.115,"end":816.615,"sentiment":"neutral","sentiment_score":-0.042395852506160736},{"text":"No.","start":819.33,"end":819.83,"sentiment":"neutral","sentiment_score":-0.11157235503196716}],"sentiment":"neutral","sentiment_score":0.0007612276053155906,"num_words":28,"start":793.98,"end":819.83},{"sentences":[{"text":"Yep.","start":821.41003,"end":821.89,"sentiment":"neutral","sentiment_score":-0.018509525805711743},{"text":"No.","start":821.89,"end":822.21,"sentiment":"neutral","sentiment_score":-0.0396515280008316},{"text":"Perfect.","start":822.21,"end":822.71,"sentiment":"neutral","sentiment_score":0.04694099724292755},{"text":"With the assets and liabilities I have here, the main primary residence there, the asset value was a million dollars last year.","start":823.17004,"end":829.67004,"sentiment":"neutral","sentiment_score":0.01121862114153125},{"text":"What sort of value would you put on the property at the moment, do you think?","start":830.05005,"end":833.145,"sentiment":"neutral","sentiment_score":-0.006573624617885798}],"sentiment":"neutral","sentiment_score":0.003180771089363389,"num_words":41,"start":821.41003,"end":833.145},{"sentences":[{"text":"Yep.","start":837.065,"end":837.385,"sentiment":"neutral","sentiment_score":0.1364283263683319},{"text":"Beautiful.","start":837.385,"end":837.885,"sentiment":"positive","sentiment_score":0.4682114124298096},{"text":"And we have here the mortgage was able to be reduced to about 350,000.","start":838.905,"end":843.145,"sentiment":"neutral","sentiment_score":0.12284769117832184},{"text":"Have you been able to reduce that a little bit further at all since 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help you meet your goals there.","start":913.86,"end":922.02496,"sentiment":"neutral","sentiment_score":0.14185580075718462}],"sentiment":"neutral","sentiment_score":0.09347093074050333,"num_words":70,"start":900.90497,"end":922.02496},{"sentences":[{"text":"So it's not just one thing.","start":922.02496,"end":923.38495,"sentiment":"neutral","sentiment_score":0.044727240999539696},{"text":"They're all licensed to to, you know, work with.","start":923.38495,"end":925.865,"sentiment":"neutral","sentiment_score":0.08812673886617024},{"text":"It's essentially as many as they possibly can.","start":925.865,"end":928.52496,"sentiment":"neutral","sentiment_score":0.07325101550668478},{"text":"All of them do sort of work with the big four banks, so they also have a lot of second tier credit unions and things like that that can also provide assistance for you.","start":928.90497,"end":937.1,"sentiment":"neutral","sentiment_score":0.1315975888248752},{"text":"So 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or?","start":998.19,"end":1001.49,"sentiment":"neutral","sentiment_score":0.028363128006458283},{"text":"Okay.","start":1016.045,"end":1016.545,"sentiment":"neutral","sentiment_score":0.032034486532211304}],"sentiment":"neutral","sentiment_score":0.07114782539151963,"num_words":21,"start":995.94995,"end":1016.545},{"sentences":[{"text":"Nice.","start":1016.605,"end":1017.105,"sentiment":"neutral","sentiment_score":0.05370697006583214},{"text":"Yep.","start":1026.55,"end":1027.05,"sentiment":"neutral","sentiment_score":0.016666200011968613},{"text":"Yes.","start":1028.23,"end":1028.73,"sentiment":"neutral","sentiment_score":0.025087667629122738},{"text":"No.","start":1030.5651,"end":1030.725,"sentiment":"neutral","sentiment_score":0.0189923532307148},{"text":"That's okay.","start":1030.725,"end":1031.605,"sentiment":"neutral","sentiment_score":0.1527368351817131}],"sentiment":"neutral","sentiment_score":0.06998781021684408,"num_words":6,"start":1016.605,"end":1031.605},{"sentences":[{"text":"It sounds really good.","start":1031.605,"end":1032.405,"sentiment":"positive","sentiment_score":0.4884372353553772},{"text":"And, look, if you've got about 19 or 20,000, then that's fantastic.","start":1032.405,"end":1035.305,"sentiment":"positive","sentiment_score":0.3692517963548501},{"text":"It must be doing really well.","start":1035.365,"end":1036.8251,"sentiment":"positive","sentiment_score":0.4959891252219677},{"text":"Yeah.","start":1050.18,"end":1050.42,"sentiment":"positive","sentiment_score":0.337426096200943},{"text":"Absolutely.","start":1050.42,"end":1050.92,"sentiment":"positive","sentiment_score":0.5675524473190308}],"sentiment":"positive","sentiment_score":0.4277368246888121,"num_words":24,"start":1031.605,"end":1050.92},{"sentences":[{"text":"That's fantastic.","start":1051.3,"end":1052.2001,"sentiment":"positive","sentiment_score":0.7104034721851349},{"text":"Well, I certainly hope it keeps going the same way, and just always give us a call if there's any any help we can give you at all.","start":1052.5801,"end":1058.1951,"sentiment":"neutral","sentiment_score":0.196482779192073},{"text":"Okay?","start":1058.1951,"end":1058.6951,"sentiment":"neutral","sentiment_score":0.10485504567623138},{"text":"That's fantastic.","start":1059.795,"end":1060.775,"sentiment":"positive","sentiment_score":0.6275345683097839},{"text":"I also had on here last time we sort of spoke, you you guys haven't really set up a will or power of attorney.","start":1062.8351,"end":1069.4401,"sentiment":"neutral","sentiment_score":0.049720938705528774}],"sentiment":"neutral","sentiment_score":0.16623774513994394,"num_words":57,"start":1051.3,"end":1069.4401},{"sentences":[{"text":"Is it something you guys have talked about since our last annual review, and have you seen a solicitor and had a will or power of attorney done up at all?","start":1069.4401,"end":1077.7001,"sentiment":"neutral","sentiment_score":0.019153959959024382},{"text":"No.","start":1079.5349,"end":1079.855,"sentiment":"neutral","sentiment_score":-0.04779589921236038},{"text":"That's okay.","start":1079.855,"end":1080.9149,"sentiment":"neutral","sentiment_score":-0.019581777043640614},{"text":"We do have I'm not sure if we did last year or not, but we do have access to some solicitors that we do refer clients through too.","start":1081.5349,"end":1088.815,"sentiment":"neutral","sentiment_score":0.008866881652336036},{"text":"Did you want me to send you an email after the call just for some information around the solicitor's information, the details on how much they charge to do up a will and power of attorney?","start":1088.815,"end":1097.98,"sentiment":"neutral","sentiment_score":0.018492786368976038}],"sentiment":"neutral","sentiment_score":0.01449822756100674,"num_words":98,"start":1069.4401,"end":1097.98},{"sentences":[{"text":"Just kinda starts the conversation for you.","start":1097.98,"end":1099.98,"sentiment":"neutral","sentiment_score":0.03503137401172093},{"text":"Would you like that at all?","start":1099.98,"end":1101.02,"sentiment":"neutral","sentiment_score":0.025990829182167847},{"text":"You're allowed to say no.","start":1101.02,"end":1101.98,"sentiment":"neutral","sentiment_score":-0.03095527123659849},{"text":"It's fine.","start":1101.98,"end":1102.72,"sentiment":"neutral","sentiment_score":0.005884968675673008},{"text":"Yep.","start":1107.835,"end":1108.335,"sentiment":"neutral","sentiment_score":0.041836075484752655}],"sentiment":"neutral","sentiment_score":0.01428544046800761,"num_words":21,"start":1097.98,"end":1108.335},{"sentences":[{"text":"Yep.","start":1109.515,"end":1110.015,"sentiment":"neutral","sentiment_score":0.05141809582710266},{"text":"Yeah.","start":1113.195,"end":1113.695,"sentiment":"neutral","sentiment_score":0.1578889787197113},{"text":"Perfect.","start":1114.235,"end":1114.735,"sentiment":"positive","sentiment_score":0.3678500652313232},{"text":"No worries at all.","start":1115.035,"end":1116.575,"sentiment":"neutral","sentiment_score":0.21697314083576202},{"text":"And I've also got down here your beneficiary nominations on your super.","start":1116.9299,"end":1120.5499,"sentiment":"neutral","sentiment_score":0.2067976954082648}],"sentiment":"neutral","sentiment_score":0.2066643183168612,"num_words":19,"start":1109.515,"end":1120.5499},{"sentences":[{"text":"It is set to clear a 100%, and it's binding non lapsing.","start":1120.61,"end":1124.1299,"sentiment":"neutral","sentiment_score":0.18411355962355933},{"text":"So you're happy with that nomination as it is?","start":1124.1299,"end":1126.2899,"sentiment":"neutral","sentiment_score":0.3046507206228044},{"text":"No need to change that at all?","start":1126.2899,"end":1127.9099,"sentiment":"neutral","sentiment_score":0.03747568279504776},{"text":"Yep.","start":1129.265,"end":1129.765,"sentiment":"neutral","sentiment_score":0.28069376945495605},{"text":"Perfect.","start":1130.1449,"end":1130.6449,"sentiment":"positive","sentiment_score":0.5352606773376465}],"sentiment":"neutral","sentiment_score":0.2009834475815296,"num_words":30,"start":1120.61,"end":1130.6449},{"sentences":[{"text":"Excellent.","start":1130.865,"end":1131.365,"sentiment":"positive","sentiment_score":0.37098655104637146},{"text":"That's basically updating majority of your details there.","start":1132.705,"end":1135.345,"sentiment":"neutral","sentiment_score":0.08926982712000608},{"text":"Now you are still quite young.","start":1135.345,"end":1136.465,"sentiment":"neutral","sentiment_score":-0.007569232955574989},{"text":"You've got a lot of time ahead of you at the moment.","start":1136.465,"end":1138.6449,"sentiment":"neutral","sentiment_score":0.03549928363645449},{"text":"I've got down here that we're sort of tracking over time and is about age 60.","start":1138.865,"end":1142.705,"sentiment":"neutral","sentiment_score":0.1451214535627514}],"sentiment":"neutral","sentiment_score":0.08808521932359178,"num_words":43,"start":1130.865,"end":1142.705},{"sentences":[{"text":"Is that still where we're sort of heading goal wise at the moment?","start":1142.705,"end":1146.2201,"sentiment":"neutral","sentiment_score":0.1345908140333799},{"text":"Yep.","start":1147.9601,"end":1148.4401,"sentiment":"neutral","sentiment_score":0.33127787709236145},{"text":"Perfect.","start":1148.4401,"end":1148.9401,"sentiment":"positive","sentiment_score":0.6647646427154541},{"text":"Perfect.","start":1149.0,"end":1149.5,"sentiment":"positive","sentiment_score":0.541294515132904},{"text":"Incoming retirement is probably hard to kinda digest at the moment.","start":1149.9601,"end":1153.26,"sentiment":"neutral","sentiment_score":0.0028874609958041797}],"sentiment":"neutral","sentiment_score":0.12291776623438906,"num_words":27,"start":1142.705,"end":1153.26},{"sentences":[{"text":"I did have here $600 a week in retirement.","start":1153.56,"end":1156.04,"sentiment":"neutral","sentiment_score":0.08605257421731949},{"text":"Are you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer to?","start":1156.04,"end":1164.745,"sentiment":"neutral","sentiment_score":0.07818228840118363},{"text":"Yep.","start":1164.745,"end":1165.245,"sentiment":"neutral","sentiment_score":0.06422817707061768},{"text":"Yep.","start":1165.785,"end":1166.105,"sentiment":"neutral","sentiment_score":0.0859595462679863},{"text":"Yep.","start":1166.105,"end":1166.425,"sentiment":"neutral","sentiment_score":0.17950424551963806}],"sentiment":"neutral","sentiment_score":0.08321191494663556,"num_words":33,"start":1153.56,"end":1166.425},{"sentences":[{"text":"Beautiful.","start":1166.425,"end":1166.925,"sentiment":"positive","sentiment_score":0.6036045551300049},{"text":"Is there any other goals that you might have?","start":1167.945,"end":1170.025,"sentiment":"neutral","sentiment_score":0.21285811066627502},{"text":"I know last year, we sort of made mention that you were just looking to try and pay the mortgage down as much as possible.","start":1170.025,"end":1175.165,"sentiment":"neutral","sentiment_score":0.04093949183821678},{"text":"You've definitely cut quite a chunk off that since then.","start":1176.03,"end":1178.75,"sentiment":"neutral","sentiment_score":0.051375243440270425},{"text":"Are you paying a bit more onto your mortgage than needed?","start":1178.75,"end":1181.4701,"sentiment":"neutral","sentiment_score":-0.02404245835813609}],"sentiment":"neutral","sentiment_score":0.06771607570616263,"num_words":56,"start":1166.425,"end":1181.4701},{"sentences":[{"text":"Or Yes.","start":1181.4701,"end":1190.945,"sentiment":"neutral","sentiment_score":0.048155203461647034},{"text":"Yeah.","start":1208.62,"end":1209.12,"sentiment":"neutral","sentiment_score":0.053572870790958405},{"text":"Yeah.","start":1210.62,"end":1211.12,"sentiment":"neutral","sentiment_score":0.05765315890312195},{"text":"No.","start":1211.26,"end":1211.4199,"sentiment":"neutral","sentiment_score":0.06665046513080597},{"text":"That's fantastic.","start":1211.4199,"end":1212.24,"sentiment":"neutral","sentiment_score":0.30825719237327576}],"sentiment":"neutral","sentiment_score":0.12724304092781885,"num_words":7,"start":1181.4701,"end":1212.24},{"sentences":[{"text":"Yeah.","start":1219.295,"end":1219.535,"sentiment":"neutral","sentiment_score":0.07289266586303711},{"text":"Yeah.","start":1219.535,"end":1220.015,"sentiment":"neutral","sentiment_score":0.1325976550579071},{"text":"Absolutely.","start":1220.015,"end":1220.515,"sentiment":"neutral","sentiment_score":0.19959568977355957},{"text":"And one of the big things to sort of look at is when you look at the returns, you can probably get inside investing versus what you're paying on your mortgage.","start":1220.975,"end":1228.45,"sentiment":"neutral","sentiment_score":0.10420699189266851},{"text":"Your mortgage what you're paying in interest is basically a guaranteed return.","start":1228.45,"end":1232.5499,"sentiment":"neutral","sentiment_score":0.11274575317899387}],"sentiment":"neutral","sentiment_score":0.10844460429380769,"num_words":46,"start":1219.295,"end":1232.5499},{"sentences":[{"text":"Whereas with the markets and the volatility, it's not necessarily it's not exactly guaranteed the returns you get from shares and from investing.","start":1232.9299,"end":1239.99,"sentiment":"neutral","sentiment_score":-0.04452329930727896},{"text":"So So if you're taking a lump sum, you're putting that onto your mortgage, you are reducing the amount you have to pay for your minimums.","start":1240.13,"end":1246.285,"sentiment":"neutral","sentiment_score":0.013367682865534265},{"text":"You're you're reducing the amount you're paying for interest as well, but you are essentially saving a guaranteed rate of return, which we've just had a couple of interest rate hikes, and there's there's there may be another one down the track there as well.","start":1246.3451,"end":1259.16,"sentiment":"neutral","sentiment_score":0.044591226066566174},{"text":"So definitely not a bad thing to do at the moment.","start":1259.16,"end":1262.4601,"sentiment":"neutral","sentiment_score":-0.11145218580283901},{"text":"Yeah.","start":1262.68,"end":1263.18,"sentiment":"neutral","sentiment_score":0.13953210413455963}],"sentiment":"neutral","sentiment_score":0.0022989349408988964,"num_words":106,"start":1232.9299,"end":1263.18},{"sentences":[{"text":"That's okay.","start":1264.6,"end":1265.5,"sentiment":"neutral","sentiment_score":0.3098191171884537},{"text":"I know you're in the process of kinda consolidating everything.","start":1266.28,"end":1269.24,"sentiment":"neutral","sentiment_score":0.13016537874937056},{"text":"So either of you or you guys have any other goals that you're looking to sort of achieve in the next twelve months or one to two years, or you're just sort of seeing how things go?","start":1269.24,"end":1278.285,"sentiment":"neutral","sentiment_score":0.1093245706445462},{"text":"Yep.","start":1283.0801,"end":1283.5801,"sentiment":"neutral","sentiment_score":0.1437564194202423},{"text":"Lovely.","start":1288.68,"end":1289.18,"sentiment":"positive","sentiment_score":0.500640332698822}],"sentiment":"neutral","sentiment_score":0.12962152721250758,"num_words":51,"start":1264.6,"end":1289.18},{"sentences":[{"text":"Yep.","start":1292.8401,"end":1293.3401,"sentiment":"neutral","sentiment_score":0.14880885183811188},{"text":"Perfect.","start":1296.2949,"end":1296.7949,"sentiment":"positive","sentiment_score":0.582484245300293},{"text":"Well, good luck.","start":1297.6549,"end":1298.375,"sentiment":"positive","sentiment_score":0.6142436067263285},{"text":"I hope it all goes well.","start":1298.375,"end":1299.6549,"sentiment":"positive","sentiment_score":0.6173278093338013},{"text":"Certainly looking forward to seeing how things go for you both.","start":1299.6549,"end":1302.5549,"sentiment":"positive","sentiment_score":0.5800464830615304}],"sentiment":"positive","sentiment_score":0.5753864584998651,"num_words":22,"start":1292.8401,"end":1302.5549},{"sentences":[{"text":"And is Claire work that's alright.","start":1302.855,"end":1304.855,"sentiment":"neutral","sentiment_score":0.049658934896190964},{"text":"Is Claire working as well?","start":1304.855,"end":1306.1349,"sentiment":"neutral","sentiment_score":0.012824763171374797},{"text":"Or Or yep.","start":1306.1349,"end":1308.89,"sentiment":"neutral","sentiment_score":0.011838952700297037},{"text":"Oh, fantastic.","start":1309.4299,"end":1310.33,"sentiment":"neutral","sentiment_score":0.2835035175085068},{"text":"Is that where you met?","start":1310.63,"end":1311.85,"sentiment":"neutral","sentiment_score":0.06344502344727516}],"sentiment":"neutral","sentiment_score":0.061039354075633344,"num_words":21,"start":1302.855,"end":1311.85},{"sentences":[{"text":"Oh, that's lovely.","start":1314.1499,"end":1315.5299,"sentiment":"neutral","sentiment_score":0.15043012673656145},{"text":"Yeah.","start":1318.87,"end":1319.37,"sentiment":"neutral","sentiment_score":0.026920262724161148},{"text":"Fantastic.","start":1321.4451,"end":1321.9451,"sentiment":"positive","sentiment_score":0.4727637469768524},{"text":"No.","start":1322.3251,"end":1322.5651,"sentiment":"neutral","sentiment_score":0.1994394063949585},{"text":"That's really good to see.","start":1322.5651,"end":1323.685,"sentiment":"positive","sentiment_score":0.498985356092453}],"sentiment":"neutral","sentiment_score":0.33139459788799286,"num_words":11,"start":1314.1499,"end":1323.685},{"sentences":[{"text":"That's excellent.","start":1323.685,"end":1324.505,"sentiment":"positive","sentiment_score":0.6757213473320007},{"text":"Beautiful.","start":1325.3651,"end":1325.8651,"sentiment":"neutral","sentiment_score":0.03374287486076355},{"text":"Well, the only other thing I was wanted to touch base on with you is just doing a bit of a new risk profile questionnaire, just making sure that you are investing correctly in the right profile.","start":1325.925,"end":1334.5851,"sentiment":"neutral","sentiment_score":0.04980400949716568},{"text":"We did go through it last year, and you did call high growth, and you were happy to stay in that kind of environment.","start":1335.12,"end":1340.18,"sentiment":"positive","sentiment_score":0.3679191321134567},{"text":"I don't have to go through all the questions unless you really wanna fully assess it, but I just wanna give you a guide on what a high growth portfolio looks like.","start":1340.8,"end":1348.095,"sentiment":"neutral","sentiment_score":0.12337287189438939}],"sentiment":"neutral","sentiment_score":0.16672838533607623,"num_words":96,"start":1323.685,"end":1348.095},{"sentences":[{"text":"Generally, about 90% of your sleep is invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver.","start":1348.655,"end":1358.355,"sentiment":"neutral","sentiment_score":0.12072693363383964},{"text":"And then the other sort of 10% is invested in defensive to lower risk investments like cash, bonds, and fixed interest.","start":1358.735,"end":1365.7999,"sentiment":"neutral","sentiment_score":0.10530780894415719},{"text":"Having a mix of those gives you a good diversified portfolio, and a high growth investor's happy to take on a bit more market volatility.","start":1366.1,"end":1373.96,"sentiment":"positive","sentiment_score":0.404524245262146},{"text":"You can sort of withstand ups and downs like what we do see at the moment because, you know, you're not gonna be touching your super for the next sort of, you know, fifteen to twenty years depending on when you decide to retire.","start":1374.1,"end":1385.975,"sentiment":"neutral","sentiment_score":0.07917034769938751},{"text":"The high growth environment normally suits someone who's got at least eight years accessing super.","start":1386.755,"end":1391.475,"sentiment":"neutral","sentiment_score":0.18039699246486027}],"sentiment":"neutral","sentiment_score":0.1649518751003074,"num_words":132,"start":1348.655,"end":1391.475},{"sentences":[{"text":"You've got double that at the moment, so you you don't need to touch it in the next eight years.","start":1391.475,"end":1396.13,"sentiment":"neutral","sentiment_score":0.11752269044518471},{"text":"So it does kinda fit your time horizon for where you are.","start":1396.13,"end":1399.27,"sentiment":"neutral","sentiment_score":0.20887280255556107},{"text":"And, generally, when we're looking at a high growth environment, we're chasing returns of about eight to 10%.","start":1400.05,"end":1405.25,"sentiment":"neutral","sentiment_score":0.041916738264262676},{"text":"So anything under the 8% is considered underperformance.","start":1405.25,"end":1407.91,"sentiment":"neutral","sentiment_score":-0.23620647937059402},{"text":"So whilst this Uber's come out with a positive re per return this year, it has technically underperformed where we'd like it to be.","start":1408.525,"end":1415.1849,"sentiment":"neutral","sentiment_score":0.11925245278204481}],"sentiment":"neutral","sentiment_score":0.08029068000160339,"num_words":82,"start":1391.475,"end":1415.1849},{"sentences":[{"text":"But in the current climate, we're seeing a positive result is still fantastic.","start":1415.645,"end":1419.825,"sentiment":"positive","sentiment_score":0.5315542610792013},{"text":"Yeah.","start":1422.0,"end":1422.24,"sentiment":"neutral","sentiment_score":0.3147991895675659},{"text":"Anything over that 10% would normally be considered over performance and is fantastic to see.","start":1422.24,"end":1428.0,"sentiment":"positive","sentiment_score":0.3901521548628807},{"text":"And we do know that what you're looking at is some years that will be lower like what we have at the moment, whereas other years, it will definitely be higher and over that 10%, which is great as well.","start":1428.0,"end":1437.12,"sentiment":"neutral","sentiment_score":0.0626188508234918},{"text":"So you're sort of wanting to go through those ups and downs, have your contributions continuously put into them, dollar cost averaged in.","start":1437.12,"end":1444.9349,"sentiment":"neutral","sentiment_score":0.02679941276817218}],"sentiment":"neutral","sentiment_score":0.1760698634037829,"num_words":92,"start":1415.645,"end":1444.9349},{"sentences":[{"text":"So it's helping you compounding effect and taking advantages of the market ups and downs there.","start":1444.9349,"end":1450.5549,"sentiment":"neutral","sentiment_score":0.057659445563331246},{"text":"And with a high growth portfolio, because of the you know, you are taking a bit more risk in the market, we understand and sort of expect the likelihood of a negative return to be about one in every sort of five years.","start":1450.94,"end":1461.92,"sentiment":"neutral","sentiment_score":-0.15065785670696302},{"text":"Do you still feel comfortable in that sort of environment?","start":1462.46,"end":1465.04,"sentiment":"neutral","sentiment_score":-0.09519867524504662},{"text":"Did you want me to go through the questions and sort of reevaluate it for you, or are you happy to stay there?","start":1465.1,"end":1477.295,"sentiment":"neutral","sentiment_score":0.10189846174224564},{"text":"Yeah.","start":1477.4625,"end":1477.9625,"sentiment":"neutral","sentiment_score":0.27242064476013184}],"sentiment":"neutral","sentiment_score":-0.04184557201080425,"num_words":93,"start":1444.9349,"end":1477.9625},{"sentences":[{"text":"Yep.","start":1479.01,"end":1479.33,"sentiment":"positive","sentiment_score":0.4172324538230896},{"text":"Perfect.","start":1479.33,"end":1479.83,"sentiment":"positive","sentiment_score":0.5229713320732117},{"text":"Not a problem at all.","start":1479.97,"end":1481.01,"sentiment":"neutral","sentiment_score":0.23136662244796752},{"text":"So, I mean, with everything you've gone through with your agent stage and where you're at and the fact that you're contributing to super and is working really well for you, the high growth environment definitely suits where you are.","start":1481.01,"end":1491.525,"sentiment":"neutral","sentiment_score":0.23998435046523808},{"text":"If you find at any point you're not comfortable in that or you wanted to reevaluate it, do let me know.","start":1492.0851,"end":1497.465,"sentiment":"neutral","sentiment_score":-0.09244469810454618}],"sentiment":"neutral","sentiment_score":0.14345694494926753,"num_words":68,"start":1479.01,"end":1497.465},{"sentences":[{"text":"We do an annual review every year, but you're not limited to that.","start":1497.605,"end":1500.905,"sentiment":"neutral","sentiment_score":-0.01781933826322739},{"text":"At any point, if you go, hey.","start":1501.125,"end":1502.485,"sentiment":"neutral","sentiment_score":-0.0732465987758977},{"text":"This is a bit uncomfortable.","start":1502.485,"end":1503.605,"sentiment":"neutral","sentiment_score":-0.18624041080474854},{"text":"I think I wanna review it.","start":1503.605,"end":1505.04,"sentiment":"neutral","sentiment_score":-0.05092820959786574},{"text":"You just give me a buzz.","start":1505.12,"end":1506.24,"sentiment":"neutral","sentiment_score":0.07808032135168712}],"sentiment":"neutral","sentiment_score":-0.04088289114470418,"num_words":37,"start":1497.605,"end":1506.24},{"sentences":[{"text":"I'll book you in, and we can talk about what your options are and definitely review that.","start":1506.24,"end":1510.3201,"sentiment":"neutral","sentiment_score":0.08142960750881363},{"text":"So, normally, we sort of see you in a high growth environment up until around about sort of your mid forties to early fifties depending on your comfort level.","start":1510.3201,"end":1518.74,"sentiment":"neutral","sentiment_score":0.026872119769967836},{"text":"But at the same time, it's different for everyone in their comfort level and where they're at in their income and whatnot.","start":1519.36,"end":1526.0751,"sentiment":"neutral","sentiment_score":0.036917549134655434},{"text":"So it can always be reevaluated at any time for yourself.","start":1526.135,"end":1529.355,"sentiment":"neutral","sentiment_score":0.13661781427535144},{"text":"Okay?","start":1529.495,"end":1529.995,"sentiment":"neutral","sentiment_score":0.04490819573402405}],"sentiment":"neutral","sentiment_score":0.0565435629338026,"num_words":80,"start":1506.24,"end":1529.995},{"sentences":[{"text":"Fantastic.","start":1531.895,"end":1532.395,"sentiment":"positive","sentiment_score":0.8028516173362732},{"text":"Did you have any questions in relation to anything that we've gone through, or is there anything that you wanted me to touch on that I haven't yet touched on for you?","start":1533.5901,"end":1540.89,"sentiment":"neutral","sentiment_score":0.1982657506596297},{"text":"Sure.","start":1547.8451,"end":1548.3451,"sentiment":"neutral","sentiment_score":0.017003610730171204},{"text":"Yeah.","start":1558.42,"end":1558.7401,"sentiment":"neutral","sentiment_score":0.16336749494075775},{"text":"It absolutely does.","start":1558.7401,"end":1560.3601,"sentiment":"neutral","sentiment_score":0.3294353187084198}],"sentiment":"neutral","sentiment_score":0.2188429657958056,"num_words":38,"start":1531.895,"end":1560.3601},{"sentences":[{"text":"When we see that the markets are having a bit of a downtime like what we have sort of seen over the past few months, it's definitely more considered a buying opportunity.","start":1560.42,"end":1567.8,"sentiment":"neutral","sentiment_score":0.033933339291252196},{"text":"As long as the investment that you're invested in is still a quality investment, you don't feel it, you know, should be removed from the portfolio, then we just see it as a buying opportunity.","start":1568.3401,"end":1577.715,"sentiment":"neutral","sentiment_score":0.06065122666103499},{"text":"The biggest thing with what we do as financial advisers is you've probably heard the term time in the market beats time in the market.","start":1578.575,"end":1585.73,"sentiment":"neutral","sentiment_score":-0.027768610417842864},{"text":"So we try not to be buying and selling in a way that we're day trading the super.","start":1585.87,"end":1590.13,"sentiment":"neutral","sentiment_score":-0.029164631540576618},{"text":"Because, realistically, what we wanna do is we wanna stay invested in the market and allow your contributions to keep going in at all the intervals they do.","start":1590.43,"end":1599.25,"sentiment":"neutral","sentiment_score":0.1136105481003012}],"sentiment":"neutral","sentiment_score":0.037467945718031,"num_words":138,"start":1560.42,"end":1599.25},{"sentences":[{"text":"So when they go in, they buy into into the discounted units when the market's down, or when the market's up, they buy into the same units, and they buy less of those units.","start":1599.335,"end":1608.455,"sentiment":"neutral","sentiment_score":0.020959643181413412},{"text":"So you're sort of taking advantage of the market when it's up and down there.","start":1608.455,"end":1612.02,"sentiment":"neutral","sentiment_score":0.03545289047372838},{"text":"There was a report Vanguard did a while ago, which is really interesting, and they sort of looked at the comparison of staying in the market through the ups and downs or trying to time the market.","start":1612.9,"end":1625.24,"sentiment":"neutral","sentiment_score":-0.03554996400064713},{"text":"And they kind of worked out that if you missed the best and worst trading day by only a few hours or by a few days, you actually, depending on how much you had invested, missed out on between 2,000 to $50,000 over that lifetime.","start":1625.655,"end":1640.555,"sentiment":"neutral","sentiment_score":-0.0873905897140503},{"text":"So, yeah, so it's very hard to time the market.","start":1640.855,"end":1645.01,"sentiment":"neutral","sentiment_score":-0.2456964835524559}],"sentiment":"neutral","sentiment_score":-0.04581892776884244,"num_words":141,"start":1599.335,"end":1645.01},{"sentences":[{"text":"It's always difficult.","start":1645.01,"end":1646.1499,"sentiment":"neutral","sentiment_score":-0.17481610924005508},{"text":"Most people that try fail nine out of 10 times.","start":1646.21,"end":1649.11,"sentiment":"negative","sentiment_score":-0.4253126114606857},{"text":"So as advisors, we have more philosophy where staying in the market is participating in the market and taking advantage of those downtimes and keeping your contributions going in provides a greater benefit over the longer term.","start":1649.6499,"end":1662.245,"sentiment":"positive","sentiment_score":0.3785151448604223},{"text":"Yeah.","start":1663.8251,"end":1664.3251,"sentiment":"neutral","sentiment_score":0.18528828024864197},{"text":"Yeah.","start":1664.9451,"end":1665.425,"sentiment":"neutral","sentiment_score":0.1182328462600708}],"sentiment":"neutral","sentiment_score":0.18328859700033298,"num_words":52,"start":1645.01,"end":1665.425},{"sentences":[{"text":"Yeah.","start":1665.425,"end":1665.8251,"sentiment":"neutral","sentiment_score":0.08132532238960266},{"text":"Did that answer your question?","start":1665.8251,"end":1667.205,"sentiment":"neutral","sentiment_score":0.07219305634498596},{"text":"Yeah.","start":1668.545,"end":1668.99,"sentiment":"neutral","sentiment_score":0.2741837501525879},{"text":"Yeah.","start":1669.15,"end":1669.65,"sentiment":"positive","sentiment_score":0.3456609845161438},{"text":"Yeah.","start":1674.11,"end":1674.61,"sentiment":"neutral","sentiment_score":0.23031091690063477}],"sentiment":"neutral","sentiment_score":0.14360513952043322,"num_words":9,"start":1665.425,"end":1674.61},{"sentences":[{"text":"Yeah.","start":1678.11,"end":1678.61,"sentiment":"neutral","sentiment_score":0.10856862366199492},{"text":"A bit gibberish.","start":1691.5651,"end":1692.465,"sentiment":"neutral","sentiment_score":-0.04755622583130995},{"text":"Yeah.","start":1695.61,"end":1696.11,"sentiment":"neutral","sentiment_score":0.04849129915237427},{"text":"No.","start":1696.17,"end":1696.49,"sentiment":"neutral","sentiment_score":0.07248035073280334},{"text":"Definitely.","start":1696.49,"end":1696.89,"sentiment":"neutral","sentiment_score":0.17299839854240415}],"sentiment":"neutral","sentiment_score":0.037124284942235256,"num_words":7,"start":1678.11,"end":1696.89},{"sentences":[{"text":"Well, if you ever find questions, please let me know.","start":1696.89,"end":1698.89,"sentiment":"neutral","sentiment_score":0.23951653093099595},{"text":"I'm more than happy to do so.","start":1698.89,"end":1700.35,"sentiment":"positive","sentiment_score":0.5480252461774009},{"text":"What I'll do after the call is I'll send you an email there, Adrian, so you do have my direct email as well.","start":1700.89,"end":1706.505,"sentiment":"neutral","sentiment_score":0.18762297863545624},{"text":"If you find you have any questions at any point, please let me know.","start":1706.745,"end":1709.625,"sentiment":"neutral","sentiment_score":0.16894021310976573},{"text":"My name is Dana.","start":1709.625,"end":1710.665,"sentiment":"neutral","sentiment_score":0.29627349972724915}],"sentiment":"neutral","sentiment_score":0.2430504745450513,"num_words":58,"start":1696.89,"end":1710.665},{"sentences":[{"text":"I'm happy to answer any questions you might have.","start":1710.665,"end":1712.825,"sentiment":"positive","sentiment_score":0.43792613016234505},{"text":"It doesn't matter what it is.","start":1712.825,"end":1713.865,"sentiment":"neutral","sentiment_score":0.18580076595147452},{"text":"If it's on your mind and it's important to you, then it's a good question to ask.","start":1713.865,"end":1717.885,"sentiment":"neutral","sentiment_score":0.2684114750693826},{"text":"I can help you with research material on certain things if you're interested or if you just want a bit of, you know, information.","start":1718.425,"end":1724.62,"sentiment":"neutral","sentiment_score":0.24952925244967142},{"text":"Feel free to let me know.","start":1725.16,"end":1726.2001,"sentiment":"neutral","sentiment_score":0.26678915073474246}],"sentiment":"neutral","sentiment_score":0.27755760978306493,"num_words":62,"start":1710.665,"end":1726.2001},{"sentences":[{"text":"I'm more than happy to help you out and, you know, help with the education value.","start":1726.2001,"end":1730.14,"sentiment":"positive","sentiment_score":0.5609507989138365},{"text":"It's part of my job that I love is educating people on how and why we invest and how it all works because it's not something we ever learned when we were younger, so it's actually pretty cool to share that.","start":1730.36,"end":1741.675,"sentiment":"positive","sentiment_score":0.4293268158941007},{"text":"Yeah.","start":1742.055,"end":1742.555,"sentiment":"neutral","sentiment_score":-0.005299391224980354},{"text":"Yeah.","start":1744.775,"end":1745.275,"sentiment":"neutral","sentiment_score":0.03966174274682999},{"text":"Absolutely.","start":1748.21,"end":1748.71,"sentiment":"positive","sentiment_score":0.7589011788368225}],"sentiment":"positive","sentiment_score":0.45618126274396975,"num_words":60,"start":1726.2001,"end":1748.71},{"sentences":[{"text":"In the and your review pack that my team will send out over the next couple of days, it'll have your ongoing service agreement for the next twelve months there.","start":1750.0499,"end":1757.895,"sentiment":"neutral","sentiment_score":0.25675477683544157},{"text":"Now for our services and for us looking after your sleep, you do pay an ongoing service fee of 1.65% per annum.","start":1758.215,"end":1764.715,"sentiment":"neutral","sentiment_score":0.08770455826412547},{"text":"That is deducted in smaller monthly increments from your sleep, and the idea of the percentage based fee is that fluctuates with the market.","start":1765.095,"end":1771.5751,"sentiment":"neutral","sentiment_score":0.10412067663855851},{"text":"So when the market is down, like some of the volatility that we have seen recently, then our fee does sort of take a bit of a dip with it.","start":1771.5751,"end":1778.21,"sentiment":"neutral","sentiment_score":-0.017530394593874614},{"text":"However, when the market does go up, then our fee takes a bit of a rise with it as well.","start":1778.21,"end":1782.2899,"sentiment":"neutral","sentiment_score":0.09899837281554938}],"sentiment":"neutral","sentiment_score":0.10781821781503302,"num_words":126,"start":1750.0499,"end":1782.2899},{"sentences":[{"text":"So the idea is it's linked to the performance if you're suited for that.","start":1782.2899,"end":1785.435,"sentiment":"neutral","sentiment_score":0.1902196460536548},{"text":"I'll also make sure that there's I'll pop in a little Vanguard chat for you.","start":1786.0751,"end":1790.2351,"sentiment":"neutral","sentiment_score":0.1482934852441152},{"text":"It's probably one you've seen before, but it's actually kind of really cool.","start":1790.2351,"end":1793.435,"sentiment":"positive","sentiment_score":0.3418021179162539},{"text":"It sort of shows you over the last thirty years how investing in different markets has reacted.","start":1793.435,"end":1800.15,"sentiment":"positive","sentiment_score":0.34364472767885995},{"text":"So I'll pop that in there for you.","start":1800.29,"end":1802.23,"sentiment":"neutral","sentiment_score":0.23969524912536144}],"sentiment":"neutral","sentiment_score":0.25508100328160754,"num_words":67,"start":1782.2899,"end":1802.23},{"sentences":[{"text":"You'll see it's got a lovely big red heading that says Vanguard.","start":1802.37,"end":1805.35,"sentiment":"neutral","sentiment_score":0.2881493816773097},{"text":"And if you have a look at that and you get a bit confused or you wanna sort of talk it through, let me know.","start":1805.41,"end":1809.73,"sentiment":"neutral","sentiment_score":0.1254095795750618},{"text":"I'm more than happy to give you a bit of a breakdown.","start":1809.73,"end":1812.075,"sentiment":"positive","sentiment_score":0.43624717990557355},{"text":"I'll even probably attach this email this afternoon with a little bit of a breakdown for you so you can kind of have a look at that.","start":1812.075,"end":1818.555,"sentiment":"neutral","sentiment_score":0.28122026942394396},{"text":"But it's a really good guide on how different investments have reacted over the last thirty years and why we invest the way we do and how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool.","start":1818.555,"end":1837.1901,"sentiment":"neutral","sentiment_score":0.2536382642502968}],"sentiment":"neutral","sentiment_score":0.25466264311409165,"num_words":141,"start":1802.37,"end":1837.1901},{"sentences":[{"text":"Yeah.","start":1851.5499,"end":1852.0499,"sentiment":"neutral","sentiment_score":0.13367219269275665},{"text":"Yep.","start":1858.0299,"end":1858.5299,"sentiment":"neutral","sentiment_score":0.12824609875679016},{"text":"So yeah.","start":1862.505,"end":1866.125,"sentiment":"neutral","sentiment_score":0.08950292319059373},{"text":"Yep.","start":1868.265,"end":1868.765,"sentiment":"neutral","sentiment_score":0.13337692618370056},{"text":"Yeah.","start":1870.505,"end":1871.005,"sentiment":"neutral","sentiment_score":0.1692006140947342}],"sentiment":"neutral","sentiment_score":0.12391694635152817,"num_words":6,"start":1851.5499,"end":1871.005},{"sentences":[{"text":"So depending on what you're investing in, when we do it for your super, we utilize platforms and research houses like lawn, sec, and morning staff.","start":1871.225,"end":1880.26,"sentiment":"neutral","sentiment_score":0.19281987530680803},{"text":"They are they're just like a they're research platforms.","start":1880.72,"end":1883.9199,"sentiment":"neutral","sentiment_score":0.12640626066260868},{"text":"They cost a lot of money to have every year, so we utilize those.","start":1883.9199,"end":1887.22,"sentiment":"neutral","sentiment_score":0.1303670411663396},{"text":"So if there's anything you're interested in, let me know.","start":1887.52,"end":1889.52,"sentiment":"neutral","sentiment_score":0.29324560463428495},{"text":"I can go into those and see if they provide the research for you.","start":1889.52,"end":1892.82,"sentiment":"neutral","sentiment_score":0.3138388288872583}],"sentiment":"neutral","sentiment_score":0.2096207031648453,"num_words":73,"start":1871.225,"end":1892.82},{"sentences":[{"text":"In my own sort of world investing outside of Super, I use a lot of the individual company's website.","start":1893.345,"end":1898.725,"sentiment":"neutral","sentiment_score":0.07698146606746473},{"text":"So any any company listed on the ASX or certain exchanges has an investor profile or an investor section on their website.","start":1898.785,"end":1906.725,"sentiment":"neutral","sentiment_score":0.08614915304563263},{"text":"And I go into those sections, and I read all of the media releases.","start":1907.05,"end":1910.41,"sentiment":"neutral","sentiment_score":0.12411887411560331},{"text":"I read all of the individual annual reports and things like that, look at the breakdown of what their numbers are, their earnings, and things like that.","start":1910.41,"end":1918.41,"sentiment":"neutral","sentiment_score":0.1663205491171943},{"text":"And that kinda gives me an idea of what they're tracking for, how they're being performing, whether they've got a bit of, you know, free cash flow, things like that, and having a look at what their goals are moving forward, what they're hoping to sort of achieve.","start":1918.41,"end":1930.655,"sentiment":"neutral","sentiment_score":0.30991520794729394}],"sentiment":"neutral","sentiment_score":0.18817060205798883,"num_words":130,"start":1893.345,"end":1930.655},{"sentences":[{"text":"I also then utilize as many news articles as I possibly can written by, you know, as many as as many different people as possible to try and sort of understand, you know, how other people sort of use the company as a whole.","start":1931.3551,"end":1947.38,"sentiment":"neutral","sentiment_score":0.21041262657804924},{"text":"So when I sort of research companies in my own world outside of work, it takes me about a month to do that research on one company to really delve into it.","start":1947.38,"end":1956.5951,"sentiment":"neutral","sentiment_score":-0.013534851867007092},{"text":"But throughout here, if you just wanted to, you know, say, hey.","start":1956.895,"end":1959.615,"sentiment":"neutral","sentiment_score":0.002850957214832306},{"text":"You're interested in a certain company.","start":1959.615,"end":1961.2151,"sentiment":"neutral","sentiment_score":-0.0020168421518368027},{"text":"What, you know, what research material can we get?","start":1961.2151,"end":1963.4551,"sentiment":"neutral","sentiment_score":0.011556915214492215}],"sentiment":"neutral","sentiment_score":0.08690449495424597,"num_words":103,"start":1931.3551,"end":1963.4551},{"sentences":[{"text":"We'll have a look at Lonsac.","start":1963.4551,"end":1964.5751,"sentiment":"neutral","sentiment_score":0.038233633463581405},{"text":"We'll have a look at Morningstar.","start":1964.5751,"end":1965.875,"sentiment":"neutral","sentiment_score":0.05979501890639464},{"text":"We'll have a look at any other analysts that might provide the information, and we can always email it through to you so you can have a bit of a raise.","start":1965.935,"end":1973.1901,"sentiment":"neutral","sentiment_score":0.11509334049638241},{"text":"That might just give you a bit of a hand.","start":1973.1901,"end":1975.05,"sentiment":"neutral","sentiment_score":0.12533024847507476},{"text":"Yeah.","start":1975.11,"end":1975.61,"sentiment":"neutral","sentiment_score":0.11945676803588869}],"sentiment":"neutral","sentiment_score":0.10238564300730273,"num_words":54,"start":1963.4551,"end":1975.61},{"sentences":[{"text":"Yeah.","start":1977.91,"end":1978.41,"sentiment":"neutral","sentiment_score":0.23908334970474243},{"text":"Absolutely.","start":1981.645,"end":1982.145,"sentiment":"positive","sentiment_score":0.5636075735092163},{"text":"Perfect.","start":1986.4451,"end":1986.9451,"sentiment":"positive","sentiment_score":0.78428053855896},{"text":"Perfect.","start":1987.165,"end":1987.665,"sentiment":"positive","sentiment_score":0.7281883955001831},{"text":"The only other thing to make mention is in the annual review pack, you'll also have a financial services guide, which outlines everything about who we are, what we do, how we do it.","start":1988.285,"end":1996.0399,"sentiment":"neutral","sentiment_score":0.18946998456821723}],"sentiment":"neutral","sentiment_score":0.23045103506822334,"num_words":38,"start":1977.91,"end":1996.0399},{"sentences":[{"text":"It has all my licensing information in there for you.","start":1996.0399,"end":1999.02,"sentiment":"neutral","sentiment_score":0.18972675502300262},{"text":"As a full licensed adviser, we are registered with Aspic, and my registration number is 1304394.","start":1999.24,"end":2005.58,"sentiment":"neutral","sentiment_score":0.11750076990574598},{"text":"I'll also probably have in there a tax file consent form.","start":2006.165,"end":2008.885,"sentiment":"neutral","sentiment_score":0.10600652952085841},{"text":"We're just updating all of those as well.","start":2008.885,"end":2011.065,"sentiment":"neutral","sentiment_score":0.17538310401141644},{"text":"It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number.","start":2011.125,"end":2017.465,"sentiment":"neutral","sentiment_score":0.16907227153961474}],"sentiment":"neutral","sentiment_score":0.1512999378249679,"num_words":71,"start":1996.0399,"end":2017.465},{"sentences":[{"text":"And with all the security things happening in recent years, we wanna make sure you're aware of the information we hold on you and how and why.","start":2017.86,"end":2025.0,"sentiment":"neutral","sentiment_score":0.07899432298209932},{"text":"So we are very security conscious in that way.","start":2025.46,"end":2027.62,"sentiment":"neutral","sentiment_score":0.2101961208714379},{"text":"So there'll be a tax file opt in form.","start":2027.62,"end":2029.72,"sentiment":"neutral","sentiment_score":0.1860575411054823},{"text":"And every so often, we also like to update the so the ATO authorities as well.","start":2030.02,"end":2036.515,"sentiment":"neutral","sentiment_score":0.13529600575566292},{"text":"So it's essentially a lost super search.","start":2036.515,"end":2038.515,"sentiment":"neutral","sentiment_score":0.08641072469098228}],"sentiment":"neutral","sentiment_score":0.12454030651818304,"num_words":68,"start":2017.86,"end":2038.515},{"sentences":[{"text":"We just get everyone to sign one every couple of years, and we send it off to the ATO and get them to go out there and do a bit of looking to see if there's any lost super or a bit of money sitting aside somewhere that we can consolidate for you as well.","start":2038.515,"end":2050.59,"sentiment":"neutral","sentiment_score":0.06072468561204997},{"text":"Okay.","start":2050.73,"end":2051.23,"sentiment":"neutral","sentiment_score":0.1875378042459488},{"text":"Yeah.","start":2052.33,"end":2052.83,"sentiment":"positive","sentiment_score":0.5870288014411926},{"text":"Beautiful.","start":2053.05,"end":2053.55,"sentiment":"positive","sentiment_score":0.7721048593521118},{"text":"All good.","start":2054.81,"end":2055.3699,"sentiment":"positive","sentiment_score":0.6513496935367584}],"sentiment":"neutral","sentiment_score":0.10315380934625865,"num_words":60,"start":2038.515,"end":2055.3699},{"sentences":[{"text":"Is there any questions or anything that I might not have touched on or anything you kinda wanted me to break down a bit further for you?","start":2055.3699,"end":2061.31,"sentiment":"neutral","sentiment_score":0.12124119974948742},{"text":"All good?","start":2063.415,"end":2064.155,"sentiment":"neutral","sentiment_score":0.1727648675441742},{"text":"That's okay.","start":2068.215,"end":2069.0151,"sentiment":"neutral","sentiment_score":0.2828415781259537},{"text":"I'll send you the email shortly with that bit of information for you, and then you're always welcome to come back and let me know if there's anything else.","start":2069.0151,"end":2075.3552,"sentiment":"neutral","sentiment_score":0.33131730196804837},{"text":"In the meantime, if you do have any questions, let me know, and I'll make sure we do a catch up in about six months there for you.","start":2075.99,"end":2081.5898,"sentiment":"neutral","sentiment_score":0.12945466648255075}],"sentiment":"neutral","sentiment_score":0.19792792844501408,"num_words":88,"start":2055.3699,"end":2081.5898},{"sentences":[{"text":"Okay?","start":2081.5898,"end":2082.0898,"sentiment":"neutral","sentiment_score":0.09438672661781312},{"text":"Beautiful.","start":2083.67,"end":2084.17,"sentiment":"positive","sentiment_score":0.785315752029419},{"text":"That's okay.","start":2084.3098,"end":2084.95,"sentiment":"positive","sentiment_score":0.638161689043045},{"text":"Thank you so much for your time today, Adrian.","start":2084.95,"end":2086.95,"sentiment":"positive","sentiment_score":0.8418980439503988},{"text":"I really appreciate it.","start":2086.95,"end":2088.41,"sentiment":"positive","sentiment_score":0.8678584545850754}],"sentiment":"positive","sentiment_score":0.7767377688604242,"num_words":17,"start":2081.5898,"end":2088.41},{"sentences":[{"text":"No worries.","start":2091.0208,"end":2091.5808,"sentiment":"neutral","sentiment_score":0.2616828382015228},{"text":"I'll talk to you soon.","start":2091.5808,"end":2092.701,"sentiment":"positive","sentiment_score":0.34196929931640624},{"text":"Thank you for your time.","start":2092.701,"end":2094.0007,"sentiment":"positive","sentiment_score":0.5900218605995178},{"text":"See you later.","start":2094.3809,"end":2095.181,"sentiment":"neutral","sentiment_score":0.3278738260269165},{"text":"Bye.","start":2095.181,"end":2095.681,"sentiment":"neutral","sentiment_score":-0.08958873897790909}],"sentiment":"positive","sentiment_score":0.37983463844284415,"num_words":16,"start":2091.0208,"end":2095.681}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thank you. How are you going? Yeah. For sure. For sure. Yeah. I'm happy with that. It's Adrian Christopher as a party. The 1983 and 28 Bruce Road, Glenbrook. Probably just the, yeah, just the the, you know, how do you even explain it? Just what's going on with the wars and stuff like that with with super and, you know, losses and all that sort of stuff, I guess. Yeah. Cool. Yeah. Yep. Oh, wow. Okay. Mhmm. Briefly. Yeah. I briefly remember saying something. Mhmm. Okay. Yep. Okay. Awesome. Mhmm. Probably every six months. Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah. Like I said, it's pretty good. So, yeah, every six months if you guys have time. Yeah. Mhmm. Yeah. Nice. Okay. Sounds good. Yeah. It did it did sort of skyrocket there for a minute, isn't it? Yeah. Mhmm. Yep. Okay. How does that that sort of trend, the cybersecurity? Because I I just recently, like, probably a year ago, I started just dabbling on my phone sort of with, you know, just a small amount of money. But yeah. Yeah. Just been playing around with that sort of thing. But I have noticed that the the cybersecurity, you know, it all certain ones anyway, not not all of them, but certain ones go up and down, but most of them kinda hold hold where they are. But how do you choose which one, you know what I mean, like, to invest in? Okay. Alright. Okay. Yep. Okay. Yep. Alright. Yeah. Yeah. Okay. Yeah. Right. There is. Yeah. Like I said, I'll just scratch the surface and just it's it's super interesting too. I can see how you guys get addicted to this sort of thing. Yeah. Yeah. Yep. Yeah. Okay. Yep. Okay. Oh, great. Thank you. Thank you. Yeah. Okay. Awesome. Well, at at the moment at the moment, I am. But I've just talked with my wife because we're we're not we're not gonna sort of, you know, reinvent anything, but we're gonna sort of how do you say it? Like, we haven't yet combined a lot of our financial things. So we we were kinda going through the process of, you know, combining everything and bringing everything to one because it's a bit of a mess at the moment. So yeah. Yeah. Yeah. We're just being lazy. We've it's only been five, six years since we've been married, but we've we've sort of been a bit lazy about it, Especially with we yeah. Yeah. Especially with no kids and stuff like that. We sort of just just going along with it, but we're pretty pretty happy in doing things as we're doing with bills and whatnot and the mortgage and that. But we thought, well, we better we better do some adulting stuff soon and and, you know, visit the bank and combine everything and all that kind of stuff. So and included in that will be will be health insurances and insurances and all that sort of crap. So all the boring stuff. Okay. Yep. Okay. Awesome. Thank you. Yes. That's right. Yep. Yeah. No. Same position going on twelve years now. So yeah. Same position. Same everything. Like I said, not much changes in my life, but I kinda like it like that. Yeah. Yeah. That's right. Exactly. Enjoy the weekend. That's it. I like your style. Yeah. I I think last year was $1.40, but that was just with a lot of overtime and stuff like that. So, yeah, it might go back down. It still fluctuates between that one twenty, January sort of range, I think. So I won't know until financial year ends, and that's it. Just wherever it ends up. Yeah. I think it's about the same. One to 1.1. Yeah. I think it's about $3.25, $3.30 now. Yeah. Tracking pretty well, I think. Okay. Okay. Alright. Yep. Thank you. What sorry. Just one question on that. What what bank do you guys use or is it just whatever's best on the market at the moment? Or no. Yeah. Yeah. Okay. Okay. Okay. Alright. Cool. I'm not looking on changing it, but, yeah, I still got that one, but it's probably around the 30 mark now, I'd say. Yeah. That's about right. Yeah. I think oh, last time, I do I check it quite often because I'm getting a bit addicted to it. But I think I think there's probably around 19 to 20,000 in there, something like that. Just how would you say? Just a or a little bit of everything. Actually, I probably got only, like, six or seven, but I got on that that gold train at the beginning of the year. So, yeah, I made a little bit out of that, but, you know, got rid of that since then. But just gas and oil and sort of just things like that, just getting in and out of things and just learning about the market at the moment. So, yeah, nothing nothing too serious. Well, yeah, well, I started with a thousand dollars that I had, like, a lazy thousand that I put on. I go, I'll give it a go. If I lose it, I'll lose it. If, you know, if I go right, then I'll keep playing around. So, yeah, it's a good little pride thing. Yeah. Me too. For sure. Fan's good. No. Not yet. Yeah. No. That's alright. We've we've got a we've got a solicitor that we, you know, have used in the past. So, yeah, when we're ready, we'll sort of go and talk to him about it. But, yeah, it's all good thing. That's right. Yes. Thank you. Thank you. Yes. Sounds good. Yeah. Yeah. I think that's about right. Yeah. Yeah. I'm paying an extra 200 a week plus the the, you know, the repayments the required repayment. So plus an extra 200, but that's that's what me and my what old me and Claire are looking at doing because she's got quite a big amount of savings. And, yeah, we're just gonna combine it sort of thing and put it all on the mortgage. And it's in a, like, a redraw. So if we need it, it's there to be to be used just in case we need it. So, yeah, just just with what's going on with interest rates. Yeah. We just thought we'd have less of a debt than than we need, I guess. K. Yeah. Okay. Yeah. Mhmm. Okay. Alright. Alright. Thank you. Yeah. Just, yeah, basically seeing how things go. But, hopefully hopefully, we're looking at having kids and stuff like that. So, you know, that that's been a been a goal for the last year or two. So, hopefully in the next year. Yeah. Thank you. Yeah. Thank you. Yeah. We both work at the same company. Yeah. Yeah. It is. Yeah. It is. On the on the night shift, she's in the, like, research and development section of of where I work. Yeah. Mhmm. Yep. Mhmm. Yep. Okay. Yep. Mhmm. Mhmm. Okay. That's good. Okay. No. That's alright. Yeah. I trust what you guys are doing and plus with the with the positive return in the last twelve months, yeah, I'm pretty happy. Mhmm. Okay. Yep. Okay. Yep. Alright. Great. Oh, I'm not is there just one question really. Is, like, this sort of thing that is happening now with the war and stuff, does that create, like, opportunities for, like, for you guys for investing and stuff like that? Okay. Okay. Mhmm. Yes. Yeah. Wow. Mhmm. Okay. Alright. That sounds alright. Yeah. Yeah. Definitely. It's good to it's good to get a little bit of an insight. Like, now that I kind of understand it, like, a little bit, yeah, what you're saying, like, when I first like, before I even got involved in it, like, when I would speak to you guys, it would kinda sound a bit, like, you know, like a different language. But yeah. Now it makes a lot more sense. Okay. Okay. Yeah. That's right. You don't learn it when, yeah, when you're younger or at school or anything like that. But, yeah, it's super interesting. Mhmm. Okay. Let's see. Okay. Okay. Yeah. Right. Okay. Well, I'm not usually one to take any sort of risk. So so whatever I sort of do, yeah, doesn't doesn't add much risk to it. Well, hopefully, anyway, it's only a little bit here, a little bit there. But where do you where do you generally get, like, say you you research different companies and stuff like that and what you're investing in, where do you generally do that research? Where do you get that information, like, on your part? Because from my part, it's basically just podcast and and YouTube channels and stuff like that. But yeah. Okay. Yeah. Mhmm. Okay. Yeah. Yep. Yep. Oh, wow. Yeah. Yep. Yeah. Okay. Yep. Yeah. Yeah. For sure. Oh, that's cool. Yeah. You really do do your research then. Hey. Oh, that's cool. Alright. Mhmm. Yep. Mhmm. Okay. Alright. Great. Correct. Oh, no. I'm pretty I'm pretty good. I think I've asked my I've asked my questions for now, but yeah. Yep. Yeah. Perfect. Thanks, Dana. Me too. Thank you very much. Alright. Thanks. 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Yeah. Good. Thank you. How are you going?\n\nYeah. For sure. For sure. Yeah. I'm happy with that.\n\nIt's Adrian Christopher as a party. The 1983 and 28 Bruce Road, Glenbrook. Probably just the, yeah, just the the, you know, how do you even explain it? Just what's going on with the wars and stuff like that with with super and, you know, losses and all that sort of stuff, I guess. Yeah.\n\nCool. Yeah. Yep. Oh, wow. Okay.\n\nMhmm. Briefly. Yeah. I briefly remember saying something. Mhmm.\n\nOkay. Yep. Okay. Awesome. Mhmm.\n\nProbably every six months. Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah. Like I said, it's pretty good. So, yeah, every six months if you guys have time. Yeah.\n\nMhmm. Yeah. Nice. Okay. Sounds good.\n\nYeah. It did it did sort of skyrocket there for a minute, isn't it? Yeah. Mhmm. Yep.\n\nOkay. How does that that sort of trend, the cybersecurity? Because I I just recently, like, probably a year ago, I started just dabbling on my phone sort of with, you know, just a small amount of money. But yeah. Yeah.\n\nJust been playing around with that sort of thing. But I have noticed that the the cybersecurity, you know, it all certain ones anyway, not not all of them, but certain ones go up and down, but most of them kinda hold hold where they are. But how do you choose which one, you know what I mean, like, to invest in? Okay. Alright.\n\nOkay. Yep. Okay. Yep. Alright.\n\nYeah. Yeah. Okay. Yeah. Right.\n\nThere is. Yeah. Like I said, I'll just scratch the surface and just it's it's super interesting too. I can see how you guys get addicted to this sort of thing. Yeah.\n\nYeah. Yep. Yeah. Okay. Yep.\n\nOkay. Oh, great. Thank you. Thank you. Yeah.\n\nOkay. Awesome. Well, at at the moment at the moment, I am. But I've just talked with my wife because we're we're not we're not gonna sort of, you know, reinvent anything, but we're gonna sort of how do you say it? Like, we haven't yet combined a lot of our financial things.\n\nSo we we were kinda going through the process of, you know, combining everything and bringing everything to one because it's a bit of a mess at the moment. So yeah. Yeah. Yeah. We're just being lazy.\n\nWe've it's only been five, six years since we've been married, but we've we've sort of been a bit lazy about it, Especially with we yeah. Yeah. Especially with no kids and stuff like that. We sort of just just going along with it, but we're pretty pretty happy in doing things as we're doing with bills and whatnot and the mortgage and that. But we thought, well, we better we better do some adulting stuff soon and and, you know, visit the bank and combine everything and all that kind of stuff.\n\nSo and included in that will be will be health insurances and insurances and all that sort of crap. So all the boring stuff. Okay. Yep. Okay.\n\nAwesome. Thank you. Yes. That's right. Yep.\n\nYeah. No. Same position going on twelve years now. So yeah. Same position.\n\nSame everything. Like I said, not much changes in my life, but I kinda like it like that. Yeah. Yeah. That's right.\n\nExactly. Enjoy the weekend. That's it. I like your style. Yeah.\n\nI I think last year was $1.40, but that was just with a lot of overtime and stuff like that. So, yeah, it might go back down. It still fluctuates between that one twenty, January sort of range, I think. So I won't know until financial year ends, and that's it. Just wherever it ends up.\n\nYeah. I think it's about the same. One to 1.1. Yeah. I think it's about $3.25, $3.30 now.\n\nYeah. Tracking pretty well, I think. Okay. Okay. Alright.\n\nYep. Thank you. What sorry. Just one question on that. What what bank do you guys use or is it just whatever's best on the market at the moment?\n\nOr no. Yeah. Yeah. Okay. Okay.\n\nOkay. Alright. Cool. I'm not looking on changing it, but, yeah, I still got that one, but it's probably around the 30 mark now, I'd say. Yeah.\n\nThat's about right. Yeah. I think oh, last time, I do I check it quite often because I'm getting a bit addicted to it. But I think I think there's probably around 19 to 20,000 in there, something like that. Just how would you say?\n\nJust a or a little bit of everything. Actually, I probably got only, like, six or seven, but I got on that that gold train at the beginning of the year. So, yeah, I made a little bit out of that, but, you know, got rid of that since then. But just gas and oil and sort of just things like that, just getting in and out of things and just learning about the market at the moment. So, yeah, nothing nothing too serious.\n\nWell, yeah, well, I started with a thousand dollars that I had, like, a lazy thousand that I put on. I go, I'll give it a go. If I lose it, I'll lose it. If, you know, if I go right, then I'll keep playing around. So, yeah, it's a good little pride thing.\n\nYeah. Me too. For sure. Fan's good. No.\n\nNot yet. Yeah. No. That's alright. We've we've got a we've got a solicitor that we, you know, have used in the past.\n\nSo, yeah, when we're ready, we'll sort of go and talk to him about it. But, yeah, it's all good thing. That's right. Yes. Thank you.\n\nThank you. Yes. Sounds good. Yeah. Yeah.\n\nI think that's about right. Yeah. Yeah. I'm paying an extra 200 a week plus the the, you know, the repayments the required repayment. So plus an extra 200, but that's that's what me and my what old me and Claire are looking at doing because she's got quite a big amount of savings.\n\nAnd, yeah, we're just gonna combine it sort of thing and put it all on the mortgage. And it's in a, like, a redraw. So if we need it, it's there to be to be used just in case we need it. So, yeah, just just with what's going on with interest rates. Yeah.\n\nWe just thought we'd have less of a debt than than we need, I guess. K. Yeah. Okay. Yeah.\n\nMhmm. Okay. Alright. Alright. Thank you.\n\nYeah. Just, yeah, basically seeing how things go. But, hopefully hopefully, we're looking at having kids and stuff like that. So, you know, that that's been a been a goal for the last year or two. So, hopefully in the next year.\n\nYeah. Thank you. Yeah. Thank you. Yeah.\n\nWe both work at the same company. Yeah. Yeah. It is. Yeah.\n\nIt is. On the on the night shift, she's in the, like, research and development section of of where I work. Yeah. Mhmm. Yep.\n\nMhmm. Yep. Okay. Yep. Mhmm.\n\nMhmm. Okay. That's good. Okay. No.\n\nThat's alright. Yeah. I trust what you guys are doing and plus with the with the positive return in the last twelve months, yeah, I'm pretty happy. Mhmm. Okay.\n\nYep. Okay. Yep. Alright. Great.\n\nOh, I'm not is there just one question really. Is, like, this sort of thing that is happening now with the war and stuff, does that create, like, opportunities for, like, for you guys for investing and stuff like that? Okay. Okay. Mhmm.\n\nYes. Yeah. Wow. Mhmm. Okay.\n\nAlright. That sounds alright. Yeah. Yeah. Definitely.\n\nIt's good to it's good to get a little bit of an insight. Like, now that I kind of understand it, like, a little bit, yeah, what you're saying, like, when I first like, before I even got involved in it, like, when I would speak to you guys, it would kinda sound a bit, like, you know, like a different language. But yeah. Now it makes a lot more sense. Okay.\n\nOkay. Yeah. That's right. You don't learn it when, yeah, when you're younger or at school or anything like that. But, yeah, it's super interesting.\n\nMhmm. Okay. Let's see. Okay. Okay.\n\nYeah. Right. Okay. Well, I'm not usually one to take any sort of risk. So so whatever I sort of do, yeah, doesn't doesn't add much risk to it.\n\nWell, hopefully, anyway, it's only a little bit here, a little bit there. But where do you where do you generally get, like, say you you research different companies and stuff like that and what you're investing in, where do you generally do that research? Where do you get that information, like, on your part? Because from my part, it's basically just podcast and and YouTube channels and stuff like that. But yeah.\n\nOkay. Yeah. Mhmm. Okay. Yeah.\n\nYep. Yep. Oh, wow. Yeah. Yep.\n\nYeah. Okay. Yep. Yeah. Yeah.\n\nFor sure. Oh, that's cool. Yeah. You really do do your research then. Hey.\n\nOh, that's cool. Alright. Mhmm. Yep. Mhmm.\n\nOkay. Alright. Great. Correct. Oh, no.\n\nI'm pretty I'm pretty good. I think I've asked my I've asked my questions for now, but yeah. Yep. Yeah. Perfect.\n\nThanks, Dana. Me too. Thank you very much. Alright. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02430829033255577},{"text":"Yeah.","start":5.52,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.2282712459564209},{"text":"Good.","start":5.8399997,"end":6.08,"sentiment":"positive","sentiment_score":0.5008437633514404},{"text":"Thank you.","start":6.08,"end":6.56,"sentiment":"positive","sentiment_score":0.5517648458480835},{"text":"How are you going?","start":6.56,"end":7.54,"sentiment":"positive","sentiment_score":0.39216526597738266}],"sentiment":"positive","sentiment_score":0.38062378391623497,"num_words":9,"start":0.56,"end":7.54},{"sentences":[{"text":"Yeah.","start":14.48,"end":14.88,"sentiment":"neutral","sentiment_score":0.1005246639251709},{"text":"For sure.","start":14.88,"end":15.495,"sentiment":"neutral","sentiment_score":0.0882442332804203},{"text":"For sure.","start":15.655,"end":16.395,"sentiment":"neutral","sentiment_score":0.09893051162362099},{"text":"Yeah.","start":24.055,"end":24.295,"sentiment":"neutral","sentiment_score":0.24063488841056824},{"text":"I'm happy with that.","start":24.295,"end":25.435,"sentiment":"positive","sentiment_score":0.4988359212875366}],"sentiment":"neutral","sentiment_score":0.2710852727293968,"num_words":10,"start":14.48,"end":25.435},{"sentences":[{"text":"It's Adrian Christopher as a party.","start":34.48,"end":36.32,"sentiment":"neutral","sentiment_score":0.04793909005820751},{"text":"The 1983 and 28 Bruce Road, Glenbrook.","start":36.32,"end":41.54,"sentiment":"neutral","sentiment_score":0.034571556374430656},{"text":"Probably just the, yeah, just the the, you know, how do you even explain it?","start":55.705,"end":62.73,"sentiment":"neutral","sentiment_score":-0.04012857166429361},{"text":"Just what's going on with the wars and stuff like that with with super and, you know, losses and all that sort of stuff, I guess.","start":62.73,"end":69.95,"sentiment":"neutral","sentiment_score":-0.0356407266540023},{"text":"Yeah.","start":75.045,"end":75.545,"sentiment":"neutral","sentiment_score":-0.013054797425866129}],"sentiment":"neutral","sentiment_score":-0.018400124189528553,"num_words":55,"start":34.48,"end":75.545},{"sentences":[{"text":"Cool.","start":92.630005,"end":93.130005,"sentiment":"neutral","sentiment_score":0.00917116552591324},{"text":"Yeah.","start":100.23,"end":100.73,"sentiment":"neutral","sentiment_score":-0.032039884477853775},{"text":"Yep.","start":119.5,"end":120.0,"sentiment":"neutral","sentiment_score":-0.0671527087688446},{"text":"Oh, wow.","start":130.035,"end":131.315,"sentiment":"neutral","sentiment_score":0.01326432079076767},{"text":"Okay.","start":131.315,"end":131.815,"sentiment":"neutral","sentiment_score":-0.017653532326221466}],"sentiment":"neutral","sentiment_score":-0.013524386410911879,"num_words":6,"start":92.630005,"end":131.815},{"sentences":[{"text":"Mhmm.","start":146.39,"end":146.89,"sentiment":"neutral","sentiment_score":0.08102002739906311},{"text":"Briefly.","start":158.525,"end":159.025,"sentiment":"neutral","sentiment_score":0.02753346972167492},{"text":"Yeah.","start":159.085,"end":159.325,"sentiment":"neutral","sentiment_score":0.03542085364460945},{"text":"I briefly remember saying something.","start":159.325,"end":161.105,"sentiment":"neutral","sentiment_score":0.015217547491192817},{"text":"Mhmm.","start":173.49,"end":173.99,"sentiment":"neutral","sentiment_score":-0.031104322522878647}],"sentiment":"neutral","sentiment_score":0.02099530729982588,"num_words":9,"start":146.39,"end":173.99},{"sentences":[{"text":"Okay.","start":202.3,"end":202.8,"sentiment":"neutral","sentiment_score":-0.28429293632507324},{"text":"Yep.","start":217.615,"end":218.115,"sentiment":"neutral","sentiment_score":-0.04633716866374016},{"text":"Okay.","start":226.175,"end":226.675,"sentiment":"neutral","sentiment_score":0.02149287611246109},{"text":"Awesome.","start":255.735,"end":256.235,"sentiment":"positive","sentiment_score":0.7332291603088379},{"text":"Mhmm.","start":263.41,"end":263.91,"sentiment":"neutral","sentiment_score":0.06497113406658173}],"sentiment":"neutral","sentiment_score":0.09781261309981346,"num_words":5,"start":202.3,"end":263.91},{"sentences":[{"text":"Probably every six months.","start":284.57,"end":285.85,"sentiment":"neutral","sentiment_score":0.03863818384706974},{"text":"Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah.","start":285.85,"end":291.77002,"sentiment":"neutral","sentiment_score":-0.01712152690571897},{"text":"Like I said, it's pretty good.","start":291.77002,"end":293.15002,"sentiment":"neutral","sentiment_score":0.2680538098017375},{"text":"So, yeah, every six months if you guys have time.","start":293.53,"end":296.35,"sentiment":"neutral","sentiment_score":0.04884972311556339},{"text":"Yeah.","start":305.995,"end":306.495,"sentiment":"neutral","sentiment_score":-0.05516629293560982}],"sentiment":"neutral","sentiment_score":0.050135278290039616,"num_words":38,"start":284.57,"end":306.495},{"sentences":[{"text":"Mhmm.","start":315.4,"end":315.9,"sentiment":"neutral","sentiment_score":0.04318222403526306},{"text":"Yeah.","start":322.36002,"end":322.68,"sentiment":"neutral","sentiment_score":0.04774419218301773},{"text":"Nice.","start":322.68,"end":323.18,"sentiment":"neutral","sentiment_score":0.15020859241485596},{"text":"Okay.","start":326.375,"end":326.875,"sentiment":"neutral","sentiment_score":0.20607608556747437},{"text":"Sounds good.","start":326.935,"end":327.755,"sentiment":"positive","sentiment_score":0.5307078957557678}],"sentiment":"neutral","sentiment_score":0.2514378142853578,"num_words":6,"start":315.4,"end":327.755},{"sentences":[{"text":"Yeah.","start":355.655,"end":355.85498,"sentiment":"neutral","sentiment_score":0.09617135673761368},{"text":"It did it did sort of skyrocket there for a minute, isn't it?","start":355.85498,"end":359.835,"sentiment":"neutral","sentiment_score":0.12441021547867702},{"text":"Yeah.","start":363.175,"end":363.675,"sentiment":"neutral","sentiment_score":0.07339183241128922},{"text":"Mhmm.","start":369.78,"end":370.28,"sentiment":"neutral","sentiment_score":0.020313045009970665},{"text":"Yep.","start":381.15503,"end":381.65503,"sentiment":"neutral","sentiment_score":0.09510958194732666}],"sentiment":"neutral","sentiment_score":0.11190109513700008,"num_words":17,"start":355.655,"end":381.65503},{"sentences":[{"text":"Okay.","start":391.59998,"end":392.09998,"sentiment":"neutral","sentiment_score":0.021098513156175613},{"text":"How does that that sort of trend, the cybersecurity?","start":396.16,"end":398.9,"sentiment":"neutral","sentiment_score":0.02398357664545377},{"text":"Because I I just recently, like, probably a year ago, I started just dabbling on my phone sort of with, you know, just a small amount of money.","start":399.44,"end":407.525,"sentiment":"neutral","sentiment_score":-0.020806736711944853},{"text":"But yeah.","start":407.525,"end":408.345,"sentiment":"neutral","sentiment_score":0.00018056761473417282},{"text":"Yeah.","start":408.885,"end":409.125,"sentiment":"neutral","sentiment_score":-0.0010906364768743515}],"sentiment":"neutral","sentiment_score":-0.008447986005282983,"num_words":41,"start":391.59998,"end":409.125},{"sentences":[{"text":"Just been playing around with that sort of thing.","start":409.125,"end":411.205,"sentiment":"neutral","sentiment_score":-0.011222638086312346},{"text":"But I have noticed that the the cybersecurity, you know, it all certain ones anyway, not not all of them, but certain ones go up and down, but most of them kinda hold hold where they are.","start":411.205,"end":423.6,"sentiment":"neutral","sentiment_score":-0.040892106002649746},{"text":"But how do you choose which one, you know what I mean, like, to invest in?","start":423.6,"end":428.98,"sentiment":"neutral","sentiment_score":0.06088103516958654},{"text":"Okay.","start":455.8,"end":456.3,"sentiment":"neutral","sentiment_score":0.10560405999422072},{"text":"Alright.","start":456.68,"end":457.18,"sentiment":"neutral","sentiment_score":0.12373456358909608}],"sentiment":"neutral","sentiment_score":-0.006415257477783598,"num_words":64,"start":409.125,"end":457.18},{"sentences":[{"text":"Okay.","start":477.76,"end":478.26,"sentiment":"neutral","sentiment_score":0.05308565869927406},{"text":"Yep.","start":479.84,"end":480.34,"sentiment":"neutral","sentiment_score":0.16139738261699677},{"text":"Okay.","start":489.465,"end":489.965,"sentiment":"neutral","sentiment_score":0.17143040895462036},{"text":"Yep.","start":511.56,"end":512.06,"sentiment":"neutral","sentiment_score":0.1832167357206345},{"text":"Alright.","start":512.36,"end":512.86,"sentiment":"positive","sentiment_score":0.40815675258636475}],"sentiment":"neutral","sentiment_score":0.19545738771557808,"num_words":5,"start":477.76,"end":512.86},{"sentences":[{"text":"Yeah.","start":526.64496,"end":526.88495,"sentiment":"neutral","sentiment_score":0.025722384452819824},{"text":"Yeah.","start":526.88495,"end":527.28,"sentiment":"neutral","sentiment_score":0.057032883167266846},{"text":"Okay.","start":530.48004,"end":530.98004,"sentiment":"neutral","sentiment_score":0.07635563611984253},{"text":"Yeah.","start":531.92004,"end":532.24005,"sentiment":"neutral","sentiment_score":0.07866121828556061},{"text":"Right.","start":532.24005,"end":532.74005,"sentiment":"neutral","sentiment_score":0.0958363562822342}],"sentiment":"neutral","sentiment_score":0.0667216956615448,"num_words":5,"start":526.64496,"end":532.74005},{"sentences":[{"text":"There is.","start":534.72003,"end":535.2,"sentiment":"neutral","sentiment_score":0.02932396251708269},{"text":"Yeah.","start":535.2,"end":535.7,"sentiment":"neutral","sentiment_score":0.045541152358055115},{"text":"Like I said, I'll just scratch the surface and just it's it's super interesting too.","start":535.84,"end":540.5,"sentiment":"neutral","sentiment_score":0.10582702954610189},{"text":"I can see how you guys get addicted to this sort of thing.","start":541.545,"end":544.84503,"sentiment":"positive","sentiment_score":0.3892174477760608},{"text":"Yeah.","start":548.265,"end":548.765,"sentiment":"neutral","sentiment_score":0.32976233959198}],"sentiment":"neutral","sentiment_score":0.22128699003951624,"num_words":32,"start":534.72003,"end":548.765},{"sentences":[{"text":"Yeah.","start":552.185,"end":552.685,"sentiment":"neutral","sentiment_score":0.3179490566253662},{"text":"Yep.","start":556.44,"end":556.94,"sentiment":"positive","sentiment_score":0.44008803367614746},{"text":"Yeah.","start":570.59503,"end":571.09503,"sentiment":"neutral","sentiment_score":0.1325204223394394},{"text":"Okay.","start":575.155,"end":575.655,"sentiment":"neutral","sentiment_score":0.1392170637845993},{"text":"Yep.","start":579.315,"end":579.815,"sentiment":"neutral","sentiment_score":0.2425497770309448}],"sentiment":"neutral","sentiment_score":0.2544648706912994,"num_words":5,"start":552.185,"end":579.815},{"sentences":[{"text":"Okay.","start":585.75,"end":586.25,"sentiment":"neutral","sentiment_score":0.24734321236610413},{"text":"Oh, great.","start":587.43,"end":587.99005,"sentiment":"positive","sentiment_score":0.4208323806524277},{"text":"Thank you.","start":587.99005,"end":588.73004,"sentiment":"positive","sentiment_score":0.49394720792770386},{"text":"Thank you.","start":601.205,"end":601.945,"sentiment":"positive","sentiment_score":0.4399552643299103},{"text":"Yeah.","start":615.01,"end":615.51,"sentiment":"neutral","sentiment_score":0.06651845574378967}],"sentiment":"positive","sentiment_score":0.3779164217412472,"num_words":8,"start":585.75,"end":615.51},{"sentences":[{"text":"Okay.","start":622.37,"end":622.87,"sentiment":"neutral","sentiment_score":0.22795480489730835},{"text":"Awesome.","start":623.01,"end":623.51,"sentiment":"positive","sentiment_score":0.6650968790054321},{"text":"Well, at at the moment at the moment, I am.","start":646.49,"end":649.85,"sentiment":"neutral","sentiment_score":-0.03599289804697037},{"text":"But I've just talked with my wife because we're we're not we're not gonna sort of, you know, reinvent anything, but we're gonna sort of how do you say it?","start":649.85,"end":659.695,"sentiment":"neutral","sentiment_score":-0.0459926242629687},{"text":"Like, we haven't yet combined a lot of our financial things.","start":659.695,"end":663.375,"sentiment":"neutral","sentiment_score":-0.03717519241300496}],"sentiment":"neutral","sentiment_score":-0.023690247943378845,"num_words":53,"start":622.37,"end":663.375},{"sentences":[{"text":"So we we were kinda going through the process of, you know, combining everything and bringing everything to one because it's a bit of a mess at the moment.","start":663.375,"end":671.85,"sentiment":"neutral","sentiment_score":-0.07694896747326029},{"text":"So yeah.","start":672.38995,"end":673.43,"sentiment":"neutral","sentiment_score":-0.05389350652694702},{"text":"Yeah.","start":673.43,"end":673.58997,"sentiment":"neutral","sentiment_score":-0.034902215003967285},{"text":"Yeah.","start":673.58997,"end":673.82996,"sentiment":"neutral","sentiment_score":-0.03238923102617264},{"text":"We're just being lazy.","start":673.82996,"end":675.02997,"sentiment":"neutral","sentiment_score":-0.11019715666770935}],"sentiment":"neutral","sentiment_score":-0.07695640925620054,"num_words":37,"start":663.375,"end":675.02997},{"sentences":[{"text":"We've it's only been five, six years since we've been married, but we've we've sort of been a bit lazy about it, Especially with we yeah.","start":675.02997,"end":683.615,"sentiment":"neutral","sentiment_score":-0.0676019095027676},{"text":"Yeah.","start":683.615,"end":684.115,"sentiment":"neutral","sentiment_score":-0.028681349009275436},{"text":"Especially with no kids and stuff like that.","start":684.495,"end":686.495,"sentiment":"neutral","sentiment_score":-0.06527945538982749},{"text":"We sort of just just going along with it, but we're pretty pretty happy in doing things as we're doing with bills and whatnot and the mortgage and that.","start":686.495,"end":694.655,"sentiment":"neutral","sentiment_score":0.03263960553911226},{"text":"But we thought, well, we better we better do some adulting stuff soon and and, you know, visit the bank and combine everything and all that kind of stuff.","start":694.655,"end":703.95,"sentiment":"neutral","sentiment_score":-0.09321216750761559}],"sentiment":"neutral","sentiment_score":-0.043711515443940314,"num_words":93,"start":675.02997,"end":703.95},{"sentences":[{"text":"So and included in that will be will be health insurances and insurances and all that sort of crap.","start":703.95,"end":711.965,"sentiment":"neutral","sentiment_score":-0.11750047379418423},{"text":"So all the boring stuff.","start":711.965,"end":713.185,"sentiment":"neutral","sentiment_score":-0.1147852212190628},{"text":"Okay.","start":723.27997,"end":723.77997,"sentiment":"neutral","sentiment_score":0.029777472838759422},{"text":"Yep.","start":737.315,"end":737.815,"sentiment":"neutral","sentiment_score":0.23249995708465576},{"text":"Okay.","start":741.555,"end":742.055,"sentiment":"neutral","sentiment_score":0.3304917812347412}],"sentiment":"neutral","sentiment_score":-0.08198762581580216,"num_words":27,"start":703.95,"end":742.055},{"sentences":[{"text":"Awesome.","start":742.195,"end":742.675,"sentiment":"positive","sentiment_score":0.6900287866592407},{"text":"Thank you.","start":742.675,"end":743.415,"sentiment":"positive","sentiment_score":0.7547983229160309},{"text":"Yes.","start":748.77,"end":749.09,"sentiment":"neutral","sentiment_score":0.11801044642925262},{"text":"That's right.","start":749.09,"end":749.91003,"sentiment":"neutral","sentiment_score":0.1690923422574997},{"text":"Yep.","start":754.37,"end":754.87,"sentiment":"neutral","sentiment_score":0.09832926839590073}],"sentiment":"positive","sentiment_score":0.3934499759759222,"num_words":7,"start":742.195,"end":754.87},{"sentences":[{"text":"Yeah.","start":761.705,"end":761.945,"sentiment":"neutral","sentiment_score":-0.004843648057430983},{"text":"No.","start":761.945,"end":762.265,"sentiment":"neutral","sentiment_score":-0.038671888411045074},{"text":"Same position going on twelve years now.","start":762.265,"end":765.385,"sentiment":"neutral","sentiment_score":-0.02570362708398274},{"text":"So yeah.","start":765.385,"end":766.605,"sentiment":"neutral","sentiment_score":-0.0013001179322600365},{"text":"Same position.","start":766.665,"end":767.485,"sentiment":"neutral","sentiment_score":0.00007674982771277428}],"sentiment":"neutral","sentiment_score":-0.017375974020419214,"num_words":13,"start":761.705,"end":767.485},{"sentences":[{"text":"Same everything.","start":767.625,"end":768.525,"sentiment":"neutral","sentiment_score":-0.0009479327127337456},{"text":"Like I said, not much changes in my life, but I kinda like it like that.","start":768.665,"end":775.085,"sentiment":"neutral","sentiment_score":-0.02544623101130128},{"text":"Yeah.","start":778.82,"end":779.32,"sentiment":"neutral","sentiment_score":0.11218750476837158},{"text":"Yeah.","start":782.98,"end":783.48,"sentiment":"neutral","sentiment_score":0.08910141885280609},{"text":"That's right.","start":783.86,"end":784.57996,"sentiment":"neutral","sentiment_score":0.08375861868262291}],"sentiment":"neutral","sentiment_score":-0.0018286091190847483,"num_words":22,"start":767.625,"end":784.57996},{"sentences":[{"text":"Exactly.","start":784.57996,"end":785.07996,"sentiment":"neutral","sentiment_score":0.03455989807844162},{"text":"Enjoy the weekend.","start":786.98,"end":788.04,"sentiment":"neutral","sentiment_score":0.19168326755364737},{"text":"That's it.","start":788.26,"end":789.07996,"sentiment":"neutral","sentiment_score":0.028969652950763702},{"text":"I like your style.","start":790.905,"end":794.765,"sentiment":"neutral","sentiment_score":0.255441565066576},{"text":"Yeah.","start":801.22504,"end":801.72504,"sentiment":"neutral","sentiment_score":-0.025543171912431717}],"sentiment":"neutral","sentiment_score":0.1512520086358894,"num_words":11,"start":784.57996,"end":801.72504},{"sentences":[{"text":"I I think last year was $1.40, but that was just with a lot of overtime and stuff like that.","start":801.86505,"end":807.70996,"sentiment":"neutral","sentiment_score":-0.0531300294212997},{"text":"So, yeah, it might go back down.","start":807.70996,"end":810.75,"sentiment":"neutral","sentiment_score":-0.08160528380955968},{"text":"It still fluctuates between that one twenty, January sort of range, I think.","start":810.75,"end":815.47,"sentiment":"neutral","sentiment_score":-0.06963353804670848},{"text":"So I won't know until financial year ends, and that's it.","start":815.47,"end":819.58496,"sentiment":"neutral","sentiment_score":-0.06267339160496538},{"text":"Just wherever it ends up.","start":819.58496,"end":821.045,"sentiment":"neutral","sentiment_score":-0.09695205390453339}],"sentiment":"neutral","sentiment_score":-0.06630787762281086,"num_words":56,"start":801.86505,"end":821.045},{"sentences":[{"text":"Yeah.","start":833.70996,"end":834.02997,"sentiment":"neutral","sentiment_score":0.01566525176167488},{"text":"I think it's about the same.","start":834.02997,"end":835.14996,"sentiment":"neutral","sentiment_score":0.009712042442212502},{"text":"One to 1.1.","start":835.14996,"end":836.61,"sentiment":"neutral","sentiment_score":0.01214445692797502},{"text":"Yeah.","start":846.845,"end":847.005,"sentiment":"neutral","sentiment_score":0.0320211797952652},{"text":"I think it's about $3.25, $3.30 now.","start":847.005,"end":850.545,"sentiment":"neutral","sentiment_score":0.03026698050754411}],"sentiment":"neutral","sentiment_score":0.019681162252608273,"num_words":18,"start":833.70996,"end":850.545},{"sentences":[{"text":"Yeah.","start":853.885,"end":854.385,"sentiment":"positive","sentiment_score":0.38551706075668335},{"text":"Tracking pretty well, I think.","start":856.365,"end":857.94,"sentiment":"neutral","sentiment_score":0.21881344318389892},{"text":"Okay.","start":881.935,"end":882.435,"sentiment":"neutral","sentiment_score":0.13882401585578918},{"text":"Okay.","start":888.26996,"end":888.75,"sentiment":"neutral","sentiment_score":0.0551597885787487},{"text":"Alright.","start":888.75,"end":889.25,"sentiment":"neutral","sentiment_score":0.07910405099391937}],"sentiment":"neutral","sentiment_score":0.19474134801162613,"num_words":9,"start":853.885,"end":889.25},{"sentences":[{"text":"Yep.","start":889.47,"end":889.94995,"sentiment":"neutral","sentiment_score":0.1219971999526024},{"text":"Thank you.","start":889.94995,"end":890.69,"sentiment":"positive","sentiment_score":0.3950387239456177},{"text":"What sorry.","start":892.26996,"end":893.23,"sentiment":"neutral","sentiment_score":-0.0037742815911769876},{"text":"Just one question on that.","start":893.23,"end":894.67,"sentiment":"neutral","sentiment_score":-0.023097003996372222},{"text":"What what bank do you guys use or is it just whatever's best on the market at the moment?","start":894.67,"end":899.205,"sentiment":"neutral","sentiment_score":-0.016139940505749302}],"sentiment":"neutral","sentiment_score":0.01663386879553055,"num_words":29,"start":889.47,"end":899.205},{"sentences":[{"text":"Or no.","start":899.60504,"end":900.905,"sentiment":"neutral","sentiment_score":-0.028922876343131065},{"text":"Yeah.","start":901.04504,"end":901.54504,"sentiment":"neutral","sentiment_score":-0.004700361285358667},{"text":"Yeah.","start":902.965,"end":903.465,"sentiment":"neutral","sentiment_score":0.033725555986166},{"text":"Okay.","start":917.28,"end":917.78,"sentiment":"neutral","sentiment_score":0.13924336433410645},{"text":"Okay.","start":922.72003,"end":923.22003,"sentiment":"neutral","sentiment_score":0.048103217035532}],"sentiment":"neutral","sentiment_score":0.026421003897363942,"num_words":6,"start":899.60504,"end":923.22003},{"sentences":[{"text":"Okay.","start":937.335,"end":937.835,"sentiment":"neutral","sentiment_score":0.1166739985346794},{"text":"Alright.","start":937.97504,"end":938.375,"sentiment":"neutral","sentiment_score":0.2106076180934906},{"text":"Cool.","start":938.375,"end":938.875,"sentiment":"positive","sentiment_score":0.4144166111946106},{"text":"I'm not looking on changing it, but, yeah, I still got that one, but it's probably around the 30 mark now, I'd say.","start":952.27,"end":958.37,"sentiment":"neutral","sentiment_score":0.013042054382031378},{"text":"Yeah.","start":967.465,"end":967.705,"sentiment":"neutral","sentiment_score":0.03330991044640541}],"sentiment":"neutral","sentiment_score":0.039813903298366954,"num_words":27,"start":937.335,"end":967.705},{"sentences":[{"text":"That's about right.","start":967.705,"end":968.84503,"sentiment":"neutral","sentiment_score":0.058684019992748894},{"text":"Yeah.","start":981.99005,"end":982.49005,"sentiment":"neutral","sentiment_score":0.03920063003897667},{"text":"I think oh, last time, I do I check it quite often because I'm getting a bit addicted to it.","start":982.53,"end":987.75,"sentiment":"neutral","sentiment_score":0.0003452153090620413},{"text":"But I think I think there's probably around 19 to 20,000 in there, something like that.","start":987.75,"end":995.345,"sentiment":"neutral","sentiment_score":0.0823939896072261},{"text":"Just how would you say?","start":1002.23,"end":1004.55,"sentiment":"neutral","sentiment_score":0.01418053787201643}],"sentiment":"neutral","sentiment_score":0.03580807820609253,"num_words":45,"start":967.705,"end":1004.55},{"sentences":[{"text":"Just a or a little bit of everything.","start":1004.55,"end":1006.64996,"sentiment":"neutral","sentiment_score":0.00972286588512361},{"text":"Actually, I probably got only, like, six or seven, but I got on that that gold train at the beginning of the year.","start":1006.95,"end":1013.58997,"sentiment":"neutral","sentiment_score":0.013956815368779327},{"text":"So, yeah, I made a little bit out of that, but, you know, got rid of that since then.","start":1013.58997,"end":1018.905,"sentiment":"neutral","sentiment_score":0.0022034173537241785},{"text":"But just gas and oil and sort of just things like that, just getting in and out of things and just learning about the market at the moment.","start":1018.905,"end":1027.5651,"sentiment":"neutral","sentiment_score":0.04751948406919837},{"text":"So, yeah, nothing nothing too serious.","start":1027.625,"end":1029.725,"sentiment":"neutral","sentiment_score":0.006941823288798332}],"sentiment":"neutral","sentiment_score":0.02158156076135735,"num_words":84,"start":1004.55,"end":1029.725},{"sentences":[{"text":"Well, yeah, well, I started with a thousand dollars that I had, like, a lazy thousand that I put on.","start":1036.89,"end":1041.77,"sentiment":"neutral","sentiment_score":0.040872912388294935},{"text":"I go, I'll give it a go.","start":1041.77,"end":1042.81,"sentiment":"neutral","sentiment_score":0.04702776138271604},{"text":"If I lose it, I'll lose it.","start":1042.81,"end":1044.09,"sentiment":"neutral","sentiment_score":-0.10156746527978353},{"text":"If, you know, if I go right, then I'll keep playing around.","start":1044.09,"end":1047.545,"sentiment":"neutral","sentiment_score":0.03805390186607838},{"text":"So, yeah, it's a good little pride thing.","start":1047.545,"end":1049.805,"sentiment":"positive","sentiment_score":0.37384865432977676}],"sentiment":"neutral","sentiment_score":0.07190956254662187,"num_words":54,"start":1036.89,"end":1049.805},{"sentences":[{"text":"Yeah.","start":1054.905,"end":1055.2251,"sentiment":"neutral","sentiment_score":0.1611602008342743},{"text":"Me too.","start":1055.2251,"end":1055.9651,"sentiment":"neutral","sentiment_score":0.11400638520717621},{"text":"For sure.","start":1058.46,"end":1059.26,"sentiment":"neutral","sentiment_score":0.13577895238995552},{"text":"Fan's 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past.","start":1104.135,"end":1108.455,"sentiment":"neutral","sentiment_score":0.043777585687006224}],"sentiment":"neutral","sentiment_score":0.03226925157334493,"num_words":23,"start":1078.435,"end":1108.455},{"sentences":[{"text":"So, yeah, when we're ready, we'll sort of go and talk to him about it.","start":1108.455,"end":1112.71,"sentiment":"neutral","sentiment_score":0.05544043853878975},{"text":"But, yeah, it's all good thing.","start":1112.71,"end":1114.1699,"sentiment":"neutral","sentiment_score":0.14326013127962747},{"text":"That's right.","start":1128.0951,"end":1128.655,"sentiment":"neutral","sentiment_score":0.18368478119373322},{"text":"Yes.","start":1128.655,"end":1128.895,"sentiment":"neutral","sentiment_score":0.27950549125671387},{"text":"Thank you.","start":1128.895,"end":1129.7151,"sentiment":"positive","sentiment_score":0.45471450686454773}],"sentiment":"neutral","sentiment_score":0.12490274742818795,"num_words":26,"start":1108.455,"end":1129.7151},{"sentences":[{"text":"Thank you.","start":1138.9751,"end":1139.795,"sentiment":"positive","sentiment_score":0.3896181285381317},{"text":"Yes.","start":1145.27,"end":1145.77,"sentiment":"neutral","sentiment_score":0.09745852649211884},{"text":"Sounds good.","start":1146.55,"end":1147.53,"sentiment":"positive","sentiment_score":0.5366252213716507},{"text":"Yeah.","start":1163.2849,"end":1163.6849,"sentiment":"neutral","sentiment_score":0.021011579781770703},{"text":"Yeah.","start":1163.6849,"end":1163.845,"sentiment":"neutral","sentiment_score":0.023951072245836254}],"sentiment":"neutral","sentiment_score":0.2849868397627558,"num_words":7,"start":1138.9751,"end":1163.845},{"sentences":[{"text":"I think that's about 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you.","start":1263.57,"end":1264.3899,"sentiment":"positive","sentiment_score":0.47863030433654785}],"sentiment":"neutral","sentiment_score":0.2000091246639689,"num_words":6,"start":1259.49,"end":1264.3899},{"sentences":[{"text":"Yeah.","start":1279.66,"end":1279.9,"sentiment":"neutral","sentiment_score":0.06526194512844086},{"text":"Just, yeah, basically seeing how things go.","start":1279.9,"end":1282.14,"sentiment":"neutral","sentiment_score":0.0966411153120654},{"text":"But, hopefully hopefully, we're looking at having kids and stuff like that.","start":1282.14,"end":1287.42,"sentiment":"neutral","sentiment_score":0.23804489026467004},{"text":"So, you know, that that's been a been a goal for the last year or two.","start":1287.42,"end":1292.14,"sentiment":"neutral","sentiment_score":0.31028073094785213},{"text":"So, hopefully in the next 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good.","start":1420.9049,"end":1421.645,"sentiment":"positive","sentiment_score":0.4306795001029968},{"text":"Okay.","start":1450.99,"end":1451.49,"sentiment":"neutral","sentiment_score":-0.049098752439022064},{"text":"No.","start":1470.6649,"end":1470.825,"sentiment":"neutral","sentiment_score":-0.0844774842262268}],"sentiment":"neutral","sentiment_score":0.21883238976200423,"num_words":6,"start":1420.1849,"end":1470.825},{"sentences":[{"text":"That's alright.","start":1470.825,"end":1471.385,"sentiment":"neutral","sentiment_score":-0.0021346565335989},{"text":"Yeah.","start":1471.385,"end":1471.625,"sentiment":"neutral","sentiment_score":0.17990678548812866},{"text":"I trust what you guys are doing and plus with the with the positive return in the last twelve months, yeah, I'm pretty 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I'm not is there just one question really.","start":1542.94,"end":1547.3251,"sentiment":"neutral","sentiment_score":-0.00459785604228576},{"text":"Is, like, this sort of thing that is happening now with the war and stuff, does that create, like, opportunities for, like, for you guys for investing and stuff like that?","start":1547.3251,"end":1558.145,"sentiment":"neutral","sentiment_score":0.018386412577162826},{"text":"Okay.","start":1568.38,"end":1568.88,"sentiment":"neutral","sentiment_score":0.035746991634368896},{"text":"Okay.","start":1601.665,"end":1602.165,"sentiment":"neutral","sentiment_score":0.03525271266698837},{"text":"Mhmm.","start":1612.385,"end":1612.885,"sentiment":"neutral","sentiment_score":0.0028513744473457336}],"sentiment":"neutral","sentiment_score":0.014010445680469275,"num_words":43,"start":1542.94,"end":1612.885},{"sentences":[{"text":"Yes.","start":1618.09,"end":1618.59,"sentiment":"neutral","sentiment_score":0.0054611340165138245},{"text":"Yeah.","start":1640.415,"end":1640.915,"sentiment":"neutral","sentiment_score":-0.0560794472694397},{"text":"Wow.","start":1641.295,"end":1641.795,"sentiment":"neutral","sentiment_score":-0.09879831224679948},{"text":"Mhmm.","start":1649.43,"end":1649.93,"sentiment":"neutral","sentiment_score":-0.04400469362735748},{"text":"Okay.","start":1662.5249,"end":1663.005,"sentiment":"neutral","sentiment_score":0.1972657740116119}],"sentiment":"neutral","sentiment_score":0.0007688909769058172,"num_words":5,"start":1618.09,"end":1663.005},{"sentences":[{"text":"Alright.","start":1663.005,"end":1663.4049,"sentiment":"neutral","sentiment_score":0.2076171636581421},{"text":"That sounds alright.","start":1663.4049,"end":1664.465,"sentiment":"neutral","sentiment_score":0.19011625150839487},{"text":"Yeah.","start":1667.325,"end":1667.725,"sentiment":"neutral","sentiment_score":0.10782252252101898},{"text":"Yeah.","start":1667.725,"end":1667.965,"sentiment":"neutral","sentiment_score":0.16168276965618134},{"text":"Definitely.","start":1667.965,"end":1668.465,"sentiment":"neutral","sentiment_score":0.2856723964214325}],"sentiment":"neutral","sentiment_score":0.19044908668313706,"num_words":7,"start":1663.005,"end":1668.465},{"sentences":[{"text":"It's good to it's good to get a little bit of an insight.","start":1670.365,"end":1673.505,"sentiment":"positive","sentiment_score":0.5288561101143177},{"text":"Like, now that I kind of understand it, like, a little bit, yeah, what you're saying, like, when I first like, before I even got involved in it, like, when I would speak to you guys, it would kinda sound a bit, like, you know, like a different language.","start":1673.8049,"end":1691.255,"sentiment":"neutral","sentiment_score":0.087620738589642},{"text":"But yeah.","start":1691.255,"end":1691.975,"sentiment":"neutral","sentiment_score":0.018022727221250534},{"text":"Now it makes a lot more sense.","start":1691.975,"end":1694.235,"sentiment":"neutral","sentiment_score":0.16932286534990584},{"text":"Okay.","start":1706.9,"end":1707.4,"sentiment":"neutral","sentiment_score":0.1584237813949585}],"sentiment":"neutral","sentiment_score":0.17428159605090818,"num_words":72,"start":1670.365,"end":1707.4},{"sentences":[{"text":"Okay.","start":1718.045,"end":1718.545,"sentiment":"neutral","sentiment_score":0.21372631192207336},{"text":"Yeah.","start":1739.61,"end":1740.11,"sentiment":"neutral","sentiment_score":0.2901231348514557},{"text":"That's right.","start":1740.17,"end":1741.29,"sentiment":"neutral","sentiment_score":0.31976495683193207},{"text":"You don't learn it when, yeah, when you're younger or at school or anything like that.","start":1741.29,"end":1745.13,"sentiment":"neutral","sentiment_score":0.025021811510669068},{"text":"But, yeah, it's super interesting.","start":1745.13,"end":1747.4701,"sentiment":"positive","sentiment_score":0.5514435470104218}],"sentiment":"neutral","sentiment_score":0.17203784318640827,"num_words":25,"start":1718.045,"end":1747.4701},{"sentences":[{"text":"Mhmm.","start":1765.14,"end":1765.64,"sentiment":"neutral","sentiment_score":0.09745905548334122},{"text":"Okay.","start":1785.695,"end":1785.7749,"sentiment":"neutral","sentiment_score":0.16289155185222626},{"text":"Let's see.","start":1785.7749,"end":1786.595,"sentiment":"neutral","sentiment_score":0.12888160347938538},{"text":"Okay.","start":1802.53,"end":1803.03,"sentiment":"neutral","sentiment_score":0.19733937084674835},{"text":"Okay.","start":1825.96,"end":1826.46,"sentiment":"neutral","sentiment_score":0.17935903370380402}],"sentiment":"neutral","sentiment_score":0.14913536980748177,"num_words":6,"start":1765.14,"end":1826.46},{"sentences":[{"text":"Yeah.","start":1837.565,"end":1837.885,"sentiment":"neutral","sentiment_score":0.040248289704322815},{"text":"Right.","start":1837.885,"end":1838.125,"sentiment":"neutral","sentiment_score":0.03498329967260361},{"text":"Okay.","start":1838.125,"end":1838.605,"sentiment":"neutral","sentiment_score":0.014844696968793867},{"text":"Well, I'm not usually one to take any sort of risk.","start":1838.605,"end":1841.885,"sentiment":"neutral","sentiment_score":-0.16477003795179454},{"text":"So so whatever I sort of do, yeah, doesn't doesn't add much risk to it.","start":1841.885,"end":1847.67,"sentiment":"neutral","sentiment_score":-0.08650945524374644}],"sentiment":"neutral","sentiment_score":-0.10413917102690401,"num_words":29,"start":1837.565,"end":1847.67},{"sentences":[{"text":"Well, hopefully, anyway, it's only a little bit here, a little bit there.","start":1847.67,"end":1850.79,"sentiment":"neutral","sentiment_score":0.15167145832226828},{"text":"But where do you where do you generally get, like, say you you research different companies and stuff like that and what you're investing in, where do you generally do that research?","start":1850.79,"end":1861.345,"sentiment":"neutral","sentiment_score":0.12676146463491023},{"text":"Where do you get that information, like, on your part?","start":1861.345,"end":1864.3049,"sentiment":"neutral","sentiment_score":0.04965840615332127},{"text":"Because from my part, it's basically just podcast and and YouTube channels and stuff like that.","start":1864.3049,"end":1869.505,"sentiment":"neutral","sentiment_score":0.12194264214485884},{"text":"But yeah.","start":1869.505,"end":1870.325,"sentiment":"neutral","sentiment_score":0.1251099780201912}],"sentiment":"neutral","sentiment_score":0.11953400162188973,"num_words":73,"start":1847.67,"end":1870.325},{"sentences":[{"text":"Okay.","start":1886.26,"end":1886.685,"sentiment":"neutral","sentiment_score":0.14325755834579468},{"text":"Yeah.","start":1887.405,"end":1887.905,"sentiment":"neutral","sentiment_score":0.25301459431648254},{"text":"Mhmm.","start":1893.005,"end":1893.505,"sentiment":"neutral","sentiment_score":0.06124936416745186},{"text":"Okay.","start":1906.08,"end":1906.58,"sentiment":"neutral","sentiment_score":0.0859520360827446},{"text":"Yeah.","start":1907.04,"end":1907.54,"sentiment":"neutral","sentiment_score":0.135343998670578}],"sentiment":"neutral","sentiment_score":0.13576351031661033,"num_words":5,"start":1886.26,"end":1907.54},{"sentences":[{"text":"Yep.","start":1917.585,"end":1918.085,"sentiment":"neutral","sentiment_score":0.1952910274267197},{"text":"Yep.","start":1925.5575,"end":1926.0575,"sentiment":"positive","sentiment_score":0.33647871017456055},{"text":"Oh, wow.","start":1937.05,"end":1937.7101,"sentiment":"neutral","sentiment_score":0.3137889802455902},{"text":"Yeah.","start":1941.61,"end":1942.11,"sentiment":"neutral","sentiment_score":0.18370023369789124},{"text":"Yep.","start":1947.85,"end":1948.35,"sentiment":"neutral","sentiment_score":0.021204575896263123}],"sentiment":"neutral","sentiment_score":0.22737541794776917,"num_words":6,"start":1917.585,"end":1948.35},{"sentences":[{"text":"Yeah.","start":1953.6849,"end":1954.005,"sentiment":"neutral","sentiment_score":-0.010751662775874138},{"text":"Okay.","start":1954.005,"end":1954.505,"sentiment":"neutral","sentiment_score":-0.007485172711312771},{"text":"Yep.","start":1956.965,"end":1957.465,"sentiment":"neutral","sentiment_score":0.010552553460001944},{"text":"Yeah.","start":1969.8701,"end":1970.3701,"sentiment":"neutral","sentiment_score":0.10668565332889555},{"text":"Yeah.","start":1975.345,"end":1975.6649,"sentiment":"neutral","sentiment_score":0.11534224450588226}],"sentiment":"neutral","sentiment_score":0.042868723161518574,"num_words":5,"start":1953.6849,"end":1975.6649},{"sentences":[{"text":"For sure.","start":1975.6649,"end":1976.385,"sentiment":"neutral","sentiment_score":0.14125033095479012},{"text":"Oh, that's cool.","start":1976.385,"end":1977.265,"sentiment":"positive","sentiment_score":0.4691978096961975},{"text":"Yeah.","start":1977.265,"end":1977.585,"sentiment":"neutral","sentiment_score":0.3218132257461548},{"text":"You really do do your research then.","start":1977.585,"end":1979.345,"sentiment":"neutral","sentiment_score":0.2320431683744703},{"text":"Hey.","start":1979.345,"end":1979.845,"sentiment":"positive","sentiment_score":0.42116034030914307}],"sentiment":"neutral","sentiment_score":0.2898121311196259,"num_words":14,"start":1975.6649,"end":1979.845},{"sentences":[{"text":"Oh, that's cool.","start":1984.385,"end":1985.285,"sentiment":"positive","sentiment_score":0.6813376744588217},{"text":"Alright.","start":1987.5701,"end":1988.0701,"sentiment":"positive","sentiment_score":0.4346264600753784},{"text":"Mhmm.","start":1999.25,"end":1999.75,"sentiment":"neutral","sentiment_score":0.09130549430847168},{"text":"Yep.","start":2025.63,"end":2026.13,"sentiment":"neutral","sentiment_score":0.20359638333320615},{"text":"Mhmm.","start":2040.93,"end":2041.43,"sentiment":"neutral","sentiment_score":-0.02651527151465416}],"sentiment":"positive","sentiment_score":0.3924322985112667,"num_words":7,"start":1984.385,"end":2041.43},{"sentences":[{"text":"Okay.","start":2048.29,"end":2048.79,"sentiment":"neutral","sentiment_score":0.04149420186877251},{"text":"Alright.","start":2050.85,"end":2051.35,"sentiment":"positive","sentiment_score":0.3377992808818817},{"text":"Great.","start":2051.4102,"end":2051.9102,"sentiment":"positive","sentiment_score":0.7190302610397339},{"text":"Correct.","start":2053.25,"end":2053.75,"sentiment":"positive","sentiment_score":0.6802170872688293},{"text":"Oh, no.","start":2061.5452,"end":2062.0251,"sentiment":"neutral","sentiment_score":-0.005656108260154724}],"sentiment":"neutral","sentiment_score":0.2945381024231513,"num_words":6,"start":2048.29,"end":2062.0251},{"sentences":[{"text":"I'm pretty I'm pretty good.","start":2062.0251,"end":2063.3052,"sentiment":"neutral","sentiment_score":0.21832943558692933},{"text":"I think I've asked my I've asked my questions for now, but yeah.","start":2063.3052,"end":2067.735,"sentiment":"neutral","sentiment_score":0.07395083896027735},{"text":"Yep.","start":2081.27,"end":2081.77,"sentiment":"neutral","sentiment_score":0.1159445345401764},{"text":"Yeah.","start":2081.91,"end":2082.41,"sentiment":"neutral","sentiment_score":0.2675507366657257},{"text":"Perfect.","start":2082.55,"end":2082.95,"sentiment":"positive","sentiment_score":0.7106947898864746}],"sentiment":"neutral","sentiment_score":0.149866578357649,"num_words":21,"start":2062.0251,"end":2082.95},{"sentences":[{"text":"Thanks, Dana.","start":2082.95,"end":2083.77,"sentiment":"positive","sentiment_score":0.74564328789711},{"text":"Me too.","start":2088.865,"end":2089.345,"sentiment":"positive","sentiment_score":0.6223679780960083},{"text":"Thank you very much.","start":2089.345,"end":2090.485,"sentiment":"positive","sentiment_score":0.7188232243061066},{"text":"Alright.","start":2092.945,"end":2093.445,"sentiment":"positive","sentiment_score":0.425123393535614},{"text":"Thanks.","start":2093.585,"end":2094.085,"sentiment":"positive","sentiment_score":0.5125330686569214}],"sentiment":"positive","sentiment_score":0.6548971891403198,"num_words":10,"start":2082.95,"end":2094.085},{"sentences":[{"text":"Bye.","start":2094.225,"end":2094.725,"sentiment":"neutral","sentiment_score":0.3302098512649536}],"sentiment":"neutral","sentiment_score":0.3302098512649536,"num_words":1,"start":2094.225,"end":2094.725}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Adrian. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thank you. How are you going?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. For sure. For sure.\n\nChannel 0: Yep. Fantastic. And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. I'm happy with that.\n\nChannel 0: Fantastic. And I'll do some security there with you as well. We are discussing personal information. So I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: It's Adrian Christopher as a party. The 1983 and 28 Bruce Road, Glenbrook.\n\nChannel 0: Beautiful. Thank you so much for that. Adrian, just wanted to sort of jump into the annual review and go through things with you. Is there any particular you wanted me to touch base on or any questions that you might have for me that you wanted me to address today for you?\n\nChannel 1: Probably just the, yeah, just the the, you know, how do you even explain it? Just what's going on with the wars and stuff like that with\n\nChannel 0: Yeah.\n\nChannel 1: with super and, you know, losses\n\nChannel 0: Yep.\n\nChannel 1: and all that sort of stuff, I guess.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. It's definitely probably something on everyone's mind at the moment. We hear\n\nChannel 1: Yeah.\n\nChannel 0: a lot about it in the news and the media, so I can completely understand. Look. What I'll do is I'll run through that first step for you if you like. After the call, within the next I'm sorry. I've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going\n\nChannel 1: Cool.\n\nChannel 0: through for you to review. But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon.\n\nChannel 1: Yeah.\n\nChannel 0: I've got I've got your report in front of me here. So having a bit of a look at the way things are, and it's quite understandable. Obviously, the world is showing a little bit of volatility at the moment with what's happening between Iran and The US. Obviously, the fuel shortages and the concern around that is having a bit of an impact on Australian equities as well. And\n\nChannel 1: Yep.\n\nChannel 0: then here in the home front, we've also had some high inflation, which has been affecting affecting fixed interest in bond markets as well. So your super in particular is actually doing quite well for where\n\nChannel 1: Oh,\n\nChannel 0: we're at. A lot\n\nChannel 1: wow.\n\nChannel 0: of the clients\n\nChannel 1: Okay.\n\nChannel 0: I've spoken to have had some negative results to sort of with the volatility. But for your super, you're up after fees of 4.27% for the last twelve months. So you're actually coming out showing a positive right now, and that's really good to see.\n\nChannel 1: Mhmm.\n\nChannel 0: We did also send through an email a couple of weeks back. Do you remember receiving a record of advice in your emails recently at all just with an update to your portfolio?\n\nChannel 1: Briefly. Yeah. I briefly remember saying something.\n\nChannel 0: Yeah. Yeah. Beautiful. So one of the reasons you actually got a bit of a positive result here at the moment is that we've also removed some one of the underlying investments from your portfolio and replaced it. It was actually underperforming.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: you originally have Benelon Australian Equities in there. That was originally placed in your portfolio as a little bit of an actively managed component. The investment manager's job on in Bennelong was to kinda try and outperform the market, and they were picking and choosing equities to have in their investments to make sure that they were, you know, showing good quality growth. Unfortunately, in recent weeks and recent months, sorry, Bennelong have had some issues with some of the underlying investments in their in their managed fund, and\n\nChannel 1: Okay.\n\nChannel 0: it means that that investment as a whole has been underperforming slightly. So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios. And so\n\nChannel 1: Yep.\n\nChannel 0: as a result, we have removed it as the underperforming investment. And we've actually replaced that with the BetaShares a 200. So it's still giving\n\nChannel 1: Okay.\n\nChannel 0: you exposure to the Australian equities. It's just that it's more of a passively managed fund, so it's tracking the top 200 companies via the index there. It has actually performed very well for the past couple of weeks. It's definitely sort of provided a bit of recovery from the underperformance of Bennelong, and it's definitely, you know, buying in at the right time with the volatility that we have seen has also had a good impact on your sleeper as a whole and has definitely helped with it coming out to a positive result for those twelve months. So, yeah,\n\nChannel 1: Awesome.\n\nChannel 0: we hope to yeah. We definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well. One of the\n\nChannel 1: Mhmm.\n\nChannel 0: things I wanted to also touch base on is we're give doing a full annual review with you once a year, but we wanted to make sure and update our system to make sure we're doing catch up on a regular basis with you as well. Did you want us to maybe touch base once every six or three months or to do a bit of a catch up with you, or are you happy just with once a year? What's your preference moving forward?\n\nChannel 1: Probably every six months. Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah. Like I said, it's pretty good.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, every six months if you guys have time.\n\nChannel 0: Yeah. Absolutely. With this year, another way that the book is set, I know last year was a little bit all over the place. It was a bit of, you know, bit difficult with all everything that was going\n\nChannel 1: Yeah.\n\nChannel 0: on. But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently. So myself and my lovely admin team member, Michelle, so you'll get to know quite well. We'll\n\nChannel 1: Mhmm.\n\nChannel 0: have it in our calendar. So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to\n\nChannel 1: Yeah.\n\nChannel 0: make sure\n\nChannel 1: Nice.\n\nChannel 0: the algorithm a bit more consistent for you moving forward. Okay?\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Beautiful. So, look, it's great that you've seen a positive result for the year. The other investments within there showing positive results. You've got some physical gold that is showing a great return of up 28% for the year. Physical gold has had a really good run.\n\nWe did have a bit of a pullback in about February. It dropped by between eleven to 18% for some portfolios in one day, but it has definitely recovered back. And for the year, you're up 28% just in the gold, which is great to see.\n\nChannel 1: Yeah. It did it did sort of skyrocket there for a minute, isn't it?\n\nChannel 0: It did. It absolutely did.\n\nChannel 1: Yeah.\n\nChannel 0: You you do also have some cybersecurity in your portfolio. That is down a little bit for the year.\n\nChannel 1: Mhmm.\n\nChannel 0: However, it is still a good investment to keep in there. We have sort of reviewed that investment. Unlike then along, the the cybersecurity component is still giving you diversification. It is global,\n\nChannel 1: Yep.\n\nChannel 0: and we do see that still as an important part of your investment portfolio. So we do expect to come back. So we are just gonna hold on to that one for a bit longer and wait and see. If I find\n\nChannel 1: Okay.\n\nChannel 0: that there's needs to be any kind of movement there, we'll definitely make sure we let you know.\n\nChannel 1: How does that that sort of trend, the cybersecurity? Because I I just recently, like, probably a year ago, I started just dabbling on my phone sort of with, you know, just a small amount of money. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Just been playing around with that sort of thing. But I have noticed that the the cybersecurity, you know, it all certain ones anyway, not not all of them, but certain ones go up and down, but most of them kinda hold hold where they are. But how do you choose which one, you know what\n\nChannel 0: Yeah.\n\nChannel 1: I mean, like,\n\nChannel 0: Nice.\n\nChannel 1: to invest in?\n\nChannel 0: Yeah. That's a really good question. So there are a lot of them out there. When we are picking and building portfolios for our clients, we wanna make sure that the investments that you're in have been through those big market volatility times. So we do look at investments that have been around for a long time that have gone through volatility like you see with the GFC and with COVID, and they have come back and rebounded so that we know that you're in a portfolio and in investments that can withstand those ups and\n\nChannel 1: Okay.\n\nChannel 0: downs.\n\nChannel 1: Alright.\n\nChannel 0: We also, yeah, we also look at what's in what they're invested in, the sorts of areas. We look at the components inside it. So when we're looking at, say, a managed fund, we might be looking at what component is Australian equities, if there's any international equities, any, you know, alternatives that might be in there. And we also consider the defensive side of things, so fixed interest\n\nChannel 1: Okay.\n\nChannel 0: and cash and bonds as well.\n\nChannel 1: Yep.\n\nChannel 0: We generally have, like, a set profile that we adhere to. So we look at the growth and defensive assets, making sure you're within a certain range. And then\n\nChannel 1: Okay.\n\nChannel 0: underlying from there, you've also got set percentages for international equities, Australian equities, fixed interest bonds, cash, and also alternatives. And we try to kinda make sure you're fitting within those ranges for your investment options. And then we also look at essentially the the portfolio returns, how they have performed over the past five to ten years,\n\nChannel 1: Yep.\n\nChannel 0: obviously,\n\nChannel 1: Alright.\n\nChannel 0: a longer track record and consistent returns. Whilst it's never a guarantee of future returns, it does show you consistent returns in the past, means it has the ability to do the same in the future. Never a guarantee, but the best we can do when we're looking\n\nChannel 1: Yeah.\n\nChannel 0: at,\n\nChannel 1: Yeah.\n\nChannel 0: you know, the way we wanna invest in the future in the market. So,\n\nChannel 1: Okay.\n\nChannel 0: yeah,\n\nChannel 1: Yeah. Right.\n\nChannel 0: yeah, there's a bit to it.\n\nChannel 1: There is. Yeah. Like I said, I'll just scratch the surface and just it's\n\nChannel 0: Yeah.\n\nChannel 1: it's super interesting too.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: I can see\n\nChannel 0: Well,\n\nChannel 1: how\n\nChannel 0: because\n\nChannel 1: you guys get addicted to this sort of thing.\n\nChannel 0: it is a lot of fun. It is something that I\n\nChannel 1: Yeah.\n\nChannel 0: do. I really enjoy doing. I love reading it. We talk about it a lot. We're always watching\n\nChannel 1: Yeah.\n\nChannel 0: it as well as talking to clients and providing advice and things like that. But it\n\nChannel 1: Yep.\n\nChannel 0: is really exciting to look at and to learn about. It's something that I enjoyed learning about, and, hopefully, our advisers coming up underneath us will enjoy it just as much. But it is really cool, and I can sort of see why. But, look, because you are a client,\n\nChannel 1: Yeah.\n\nChannel 0: if you find that there is something you're interested in, you wanted some research material, things like that,\n\nChannel 1: Okay.\n\nChannel 0: we do have access to, like, Morningstar and Lonestack and things like that. So\n\nChannel 1: Yep.\n\nChannel 0: we can always have a look and see what research material we can obtain for you to provide. If you're interested and want that, you're welcome\n\nChannel 1: Okay.\n\nChannel 0: to let me know, and\n\nChannel 1: Oh,\n\nChannel 0: I'm happy\n\nChannel 1: great.\n\nChannel 0: to\n\nChannel 1: Thank\n\nChannel 0: go and\n\nChannel 1: you.\n\nChannel 0: do whatever research you might need. And if you did wanna down the track look at maybe building an investment profile very similar to what your portfolio in Netwealth looks like, we can also help and provide advice in those areas for you as well. So, Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. That's not a problem. I will make sure your portfolio report is in that at the end, your review documents for you to have a look at, but it's really good to see that you've come up with a positive return for the year thus far. We'll just make sure\n\nChannel 1: Yeah.\n\nChannel 0: we keep monitoring things for you, and we'll definitely do a catch up in six months to see how things are tracking then for you as well. Okay.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: Excellent. All good. I also just wanted to touch base on the insurance side of things. I know last year, we sort of spoke about you don't have any life, PPD, income protection, no trauma insurances. Are you still comfortable not having any personal insurances?\n\nDid you wanna maybe have a deeper conversation or look at what those covers look like or what they are or how they could benefit you? Or\n\nChannel 1: Well, at at the moment at the moment, I am. But I've just talked with my wife because we're we're not we're not gonna sort of, you know, reinvent anything, but we're gonna sort of how do you say it? Like, we haven't yet combined a lot of our financial things. So we\n\nChannel 0: Okay.\n\nChannel 1: we were kinda going through the process of, you know, combining everything and bringing everything\n\nChannel 0: Yeah.\n\nChannel 1: to one because it's a bit of a mess at the moment. So yeah. Yeah.\n\nChannel 0: In\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: We're\n\nChannel 0: transition.\n\nChannel 1: just being lazy. We've it's only been five, six years since we've been married, but we've we've sort of been a bit lazy about it,\n\nChannel 0: Oh, you're\n\nChannel 1: Especially\n\nChannel 0: still newlyweds.\n\nChannel 1: with we yeah. Yeah. Especially with no kids and stuff like that. We sort of just just going along with it, but we're pretty pretty happy in doing things as we're doing with bills and whatnot and the mortgage and\n\nChannel 0: Yeah.\n\nChannel 1: that. But we thought, well, we better we better do some adulting stuff soon and and, you know, visit the bank and combine everything and all that kind of stuff. So\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: included in that will be will be health insurances and insurances and all that sort of crap. So all the boring\n\nChannel 0: Yeah.\n\nChannel 1: stuff.\n\nChannel 0: No. Understandable. Absolutely. Well, if you did wanna have a look at things like life, TPD, income protection, trauma cover, those personal types of insurances, feel free to let me know. We're\n\nChannel 1: Okay.\n\nChannel 0: more than happy to provide advice and talk about what your goals are and, you know, update the advice and make recommendations on what product, how much, or how it affects you, and show you how it affects your super as well or out of pocket expenses depending on how you pay for those.\n\nChannel 1: Yep.\n\nChannel 0: So it's definitely something we can touch on down the track if you'd like to. Okay.\n\nChannel 1: Okay. Awesome. Thank\n\nChannel 0: You\n\nChannel 1: you.\n\nChannel 0: beautiful. Not a problem at all. Now I've got down here that your wife is Claire. Is that right?\n\nChannel 1: Yes. That's right.\n\nChannel 0: Yep. Beautiful. I've got her down as your next of kin there as well, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: How has work been for the last twelve months? Has anything sort of changed work wise? Are you still in the same position?\n\nChannel 1: Yeah. No. Same position going on twelve years now. So yeah.\n\nChannel 0: Wow.\n\nChannel 1: Same position. Same everything. Like I said, not much\n\nChannel 0: Yeah.\n\nChannel 1: changes\n\nChannel 0: No. That's\n\nChannel 1: in my\n\nChannel 0: okay.\n\nChannel 1: life, but I kinda like it like that.\n\nChannel 0: Yeah. Look. I'm exactly the same. I'm in my forties now, and I'm quite\n\nChannel 1: Yeah.\n\nChannel 0: happy just to chill, let things day and day go by, enjoy my\n\nChannel 1: Yeah.\n\nChannel 0: weekend, sort of quiet.\n\nChannel 1: That's right.\n\nChannel 0: No. I'm\n\nChannel 1: Exactly.\n\nChannel 0: with you there. You kinda\n\nChannel 1: Enjoy\n\nChannel 0: get to\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: weekend.\n\nChannel 0: point.\n\nChannel 1: That's it.\n\nChannel 0: That's it.\n\nChannel 1: I like\n\nChannel 0: I've got\n\nChannel 1: your\n\nChannel 0: thank you. I've got\n\nChannel 1: style.\n\nChannel 0: down here your income was about 120,000. Have you been able to get a pay rise since the last quarter up at all?\n\nChannel 1: Yeah. I I think last year was $1.40, but that\n\nChannel 0: Yep.\n\nChannel 1: was just with a lot of overtime and stuff like that. So, yeah, it might go back down. It still fluctuates between that one twenty, January sort of range, I think. So I won't\n\nChannel 0: Yes.\n\nChannel 1: know until financial year ends, and that's\n\nChannel 0: No.\n\nChannel 1: it. Just wherever it ends up.\n\nChannel 0: Yep. No. Perfect. With the assets and liabilities I have here, the main primary residence there, the asset value was a million dollars last year. What sort of value would you put on the property at the moment, do you think?\n\nChannel 1: Yeah. I think it's about the same. One to 1.1.\n\nChannel 0: Yep. Beautiful. And we have here the mortgage was able to be reduced to about 350,000. Have you been able to reduce that a little bit further at all since then?\n\nChannel 1: Yeah. I think it's about $3.25, $3.30 now.\n\nChannel 0: Yeah. Fantastic. That's a good drop. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Tracking pretty\n\nChannel 0: I've lost\n\nChannel 1: well, I think.\n\nChannel 0: yeah. Absolutely. And, look, the other areas of advice and, you know, we do super. We do insurances. We do investments and things.\n\nAnd if you ever wanna cash on budgeting advice and your debt reduction advice and things like that, again, I'm a full licensed adviser. So we're here to help, and we can certainly help you with those areas. So you guys are more than welcome to give me a call if you ever wanted, you know, to talk about that reducing your mortgage a bit faster or what that might look like. And we can always\n\nChannel 1: Okay.\n\nChannel 0: refer you through to our local mortgage broker if you did need to or want to look at refinancing at any point as well.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Thank\n\nChannel 0: Beautiful.\n\nChannel 1: you.\n\nChannel 0: Beautiful.\n\nChannel 1: What\n\nChannel 0: Are there\n\nChannel 1: sorry.\n\nChannel 0: assets I\n\nChannel 1: Just one\n\nChannel 0: yes,\n\nChannel 1: question\n\nChannel 0: sir.\n\nChannel 1: on that. What\n\nChannel 0: Sure.\n\nChannel 1: what bank do you guys use or is it just whatever's best on the market at the moment? Or\n\nChannel 0: So the more\n\nChannel 1: no.\n\nChannel 0: yeah. For\n\nChannel 1: Yeah.\n\nChannel 0: the for the mortgage brokers? Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So they actually use all of them. Essentially, our mortgage brokers, and we have a couple of them, are licensed to both first and second team, like, banks and financial institutions. So they look at all the different options that they're able to access, and\n\nChannel 1: Okay.\n\nChannel 0: they come up with the best option, the best structure, and to help you meet your goals there. So it's not just\n\nChannel 1: Okay.\n\nChannel 0: one thing. They're all licensed to to, you know, work with. It's essentially as many as they possibly can. All of them do sort of work with the big four banks, so they also have a lot of second tier credit unions and things like that that can also provide assistance for you. So\n\nChannel 1: Okay. Alright. Cool.\n\nChannel 0: yeah. All good. So the next asset I had here was your four by four Amarok. That was valued at about 35,000. Would you sort of keep that value about the same, or do you think you might change that this year at\n\nChannel 1: I'm not looking on changing it, but, yeah, I still\n\nChannel 0: all?\n\nChannel 1: got that one, but it's probably around the 30 mark now, I'd\n\nChannel 0: Yeah.\n\nChannel 1: say.\n\nChannel 0: Beautiful. Excellent. And contents, we had an asset value of about 50,000. Would you still value your contents about the same? Or\n\nChannel 1: Yeah. That's about right.\n\nChannel 0: yep. Beautiful. Fantastic. Thank you for that. That's the only assets that I had noted down.\n\nIs there anything else of value you have any you mentioned you've got some shares at the moment as well. I should note those down for you.\n\nChannel 1: Yeah. I think oh, last time, I do I check it quite often because I'm\n\nChannel 0: What\n\nChannel 1: getting a bit\n\nChannel 0: yeah.\n\nChannel 1: addicted to it. But I think I think there's probably around 19 to 20,000 in there,\n\nChannel 0: Yes.\n\nChannel 1: something\n\nChannel 0: Fantastic.\n\nChannel 1: like that.\n\nChannel 0: Yeah. Brilliant. Excellent. And what do you what do you own? Most of the shares is individual companies or ETFs or?\n\nChannel 1: Just how would you say? Just a or a little bit of everything. Actually, I probably got only, like, six or seven, but I got on that that gold train at the beginning of the year. So, yeah, I made a little bit out of that, but,\n\nChannel 0: Okay. Nice.\n\nChannel 1: you know, got rid of that since then. But just gas and oil and sort of just things like that, just getting in and out of things and just learning about the market\n\nChannel 0: Yep.\n\nChannel 1: at the moment. So, yeah, nothing\n\nChannel 0: Yes.\n\nChannel 1: nothing too serious.\n\nChannel 0: No. That's okay. It sounds really good. And, look, if you've got about 19 or 20,000, then that's fantastic. It must be doing really well.\n\nChannel 1: Well, yeah, well, I started with a thousand dollars that I had, like, a lazy thousand that I put on. I go, I'll give it a go. If I lose it, I'll lose it. If, you know, if I go right, then I'll keep playing around. So, yeah, it's a good little pride thing.\n\nChannel 0: Yeah. Absolutely. That's fantastic. Well, I certainly hope it keeps going the same way, and just\n\nChannel 1: Yeah.\n\nChannel 0: always\n\nChannel 1: Me\n\nChannel 0: give us\n\nChannel 1: too.\n\nChannel 0: a call if there's any any help we can give you at all. Okay?\n\nChannel 1: For sure. Fan's\n\nChannel 0: That's fantastic.\n\nChannel 1: good.\n\nChannel 0: I also had on here last time we sort of spoke, you you guys haven't really set up a will or power of attorney. Is it something you guys have talked about since our last annual review, and have you seen a solicitor and had a will or power of attorney done up at all?\n\nChannel 1: No. Not yet.\n\nChannel 0: No. That's okay. We do have I'm not sure if we did last year or not, but we do have access to some solicitors that we do refer clients through too. Did you want me to send you an email after the call just for some information around the solicitor's information, the details on how much they charge to do up a will and power of attorney? Just kinda starts the conversation for you.\n\nWould you like that at all? You're allowed to say no. It's fine.\n\nChannel 1: Yeah. No. That's alright. We've we've got a we've got a solicitor that we, you know, have used in\n\nChannel 0: Yep.\n\nChannel 1: the past. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: when we're ready, we'll sort of go and talk to him about it. But, yeah, it's all\n\nChannel 0: Yeah.\n\nChannel 1: good thing.\n\nChannel 0: Perfect. No worries at all. And I've also got down here your beneficiary nominations on your super. It is set to clear a 100%, and it's binding non lapsing. So you're happy with that nomination as it is?\n\nNo need to change that at all?\n\nChannel 1: That's right. Yes. Thank you.\n\nChannel 0: Yep. Perfect. Excellent. That's basically updating majority of your details there. Now you are still quite young.\n\nYou've got a lot of time ahead of you at the moment. I've\n\nChannel 1: Thank\n\nChannel 0: got down\n\nChannel 1: you.\n\nChannel 0: here that we're sort of tracking over time and is about age 60. Is that still where we're sort of heading goal wise\n\nChannel 1: Yes.\n\nChannel 0: at the moment?\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Perfect. Perfect. Incoming retirement is probably hard to kinda digest at the moment. I did have here $600 a week in retirement.\n\nAre you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer\n\nChannel 1: Yeah. Yeah. I think that's about\n\nChannel 0: to? Yep.\n\nChannel 1: right.\n\nChannel 0: Yep. Yep. Beautiful. Is there any other goals that you might have? I know last year, we sort of made mention that you were just looking to try and pay the mortgage down as much as possible.\n\nYou've definitely cut quite a chunk off that since then. Are you paying a bit more onto your mortgage than needed? Or\n\nChannel 1: Yeah. Yeah. I'm paying an extra 200 a week plus the the, you know, the repayments the required repayment. So plus an extra\n\nChannel 0: Yes.\n\nChannel 1: 200, but that's that's what me and my what old me and Claire are looking at doing because she's got quite a big amount of savings. And, yeah, we're just gonna combine it sort of thing and put it all on the mortgage. And it's in a, like, a redraw. So if we need it, it's there to be to be used\n\nChannel 0: Yeah.\n\nChannel 1: just in case we need it. So,\n\nChannel 0: Yeah. No. That's\n\nChannel 1: yeah,\n\nChannel 0: fantastic.\n\nChannel 1: just just with what's going on with interest rates. Yeah. We just thought we'd have less of a debt than than we need, I guess.\n\nChannel 0: Yeah. Yeah. Absolutely. And one of the big things to sort of look at is when you look at the returns, you can probably get inside investing versus what you're paying on your mortgage. Your mortgage what you're paying in interest is basically a guaranteed return.\n\nWhereas\n\nChannel 1: K.\n\nChannel 0: with the markets and the volatility, it's not necessarily it's not exactly guaranteed the returns you get from shares and from investing. So So if you're taking a lump sum, you're putting that onto your mortgage, you are reducing the amount you have to pay for your minimums. You're you're reducing the amount you're paying for interest as well,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: Okay.\n\nChannel 0: you are essentially saving a guaranteed rate of return, which we've just had a couple of interest rate hikes, and there's there's there may be another one down the track there\n\nChannel 1: Yeah.\n\nChannel 0: as well. So\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: definitely not\n\nChannel 1: Alright.\n\nChannel 0: a bad thing to do at the moment. Yeah.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: That's okay. I know you're in the process of kinda consolidating everything. So either of you or you guys have any other goals that you're looking to sort of achieve in the next twelve months or one to two years, or you're just sort of seeing how things go?\n\nChannel 1: Yeah. Just, yeah, basically seeing how things go. But,\n\nChannel 0: Yep.\n\nChannel 1: hopefully hopefully, we're looking at having kids and stuff like that. So, you know, that\n\nChannel 0: Lovely.\n\nChannel 1: that's been a been a goal for the last year or two. So,\n\nChannel 0: Yep.\n\nChannel 1: hopefully in the next year. Yeah.\n\nChannel 0: Perfect. Well, good luck. I hope it all goes well. Certainly\n\nChannel 1: Thank\n\nChannel 0: looking\n\nChannel 1: you.\n\nChannel 0: forward to seeing how things go for you both.\n\nChannel 1: Yeah.\n\nChannel 0: And is\n\nChannel 1: Thank\n\nChannel 0: Claire\n\nChannel 1: you.\n\nChannel 0: work that's alright. Is Claire working as well? Or\n\nChannel 1: Yeah. We both work at the same company.\n\nChannel 0: Or yep. Oh, fantastic. Is that where you\n\nChannel 1: Yeah.\n\nChannel 0: met?\n\nChannel 1: Yeah. It is. Yeah. It is. On the on\n\nChannel 0: Oh,\n\nChannel 1: the night\n\nChannel 0: that's\n\nChannel 1: shift,\n\nChannel 0: lovely.\n\nChannel 1: she's in the, like, research and development section of\n\nChannel 0: Yeah.\n\nChannel 1: of where I work. Yeah.\n\nChannel 0: Fantastic. No. That's really good to see. That's excellent. Beautiful.\n\nWell, the only other thing I was wanted to touch base on with you is just doing a bit of a new risk profile questionnaire, just making sure that you are investing correctly in the right profile. We\n\nChannel 1: Mhmm.\n\nChannel 0: did go through it last year, and you did call high growth, and you were happy to stay in that kind of environment. I don't have to go through all the questions unless you really wanna fully assess it, but I just wanna give you a guide on what a high growth portfolio looks like. Generally, about 90% of your sleep is invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And then\n\nChannel 1: Yep.\n\nChannel 0: the other sort of 10% is invested in defensive to lower risk investments like cash, bonds, and fixed interest. Having a mix of those gives you a good diversified portfolio, and a high growth investor's happy to take on a bit more market volatility. You can sort of withstand ups and downs like what we do see at the moment because,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, you're not gonna be touching your super for the next sort of, you know, fifteen to twenty years depending on when you decide to retire. The high growth environment normally suits someone who's got at least eight years accessing super. You've got double\n\nChannel 1: Yep.\n\nChannel 0: that at the moment,\n\nChannel 1: Okay.\n\nChannel 0: so you you don't need to touch it in the next eight years. So it does kinda fit your time horizon for where you are.\n\nChannel 1: Yep.\n\nChannel 0: And, generally, when we're looking at a high growth environment, we're chasing returns of about eight to 10%. So anything under the 8% is considered underperformance. So whilst\n\nChannel 1: Mhmm.\n\nChannel 0: this Uber's come out with a positive re per return this year, it has technically underperformed where we'd like it to be. But in the current climate, we're seeing a positive result is still fantastic.\n\nChannel 1: Mhmm. Okay. That's good.\n\nChannel 0: Yeah. Anything over that 10% would normally be considered over performance and is fantastic to see. And we do know that what you're looking at is some years that will be lower like what we have at the moment, whereas other years, it will definitely be higher and over that 10%, which is great as well. So you're sort of wanting to go through those ups and downs, have your contributions continuously put into them, dollar cost averaged in. So it's helping you compounding effect and taking advantages of the market ups and downs there.\n\nAnd\n\nChannel 1: Okay.\n\nChannel 0: with a high growth portfolio, because of the you know, you are taking a bit more risk in the market, we understand and sort of expect the likelihood of a negative return to be about one in every sort of five years. Do you still feel comfortable in that sort of environment? Did you want me to go through the questions and sort of reevaluate\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: That's alright. Yeah.\n\nChannel 0: for\n\nChannel 1: I trust what\n\nChannel 0: you,\n\nChannel 1: you guys are\n\nChannel 0: or\n\nChannel 1: doing and plus\n\nChannel 0: are\n\nChannel 1: with the with\n\nChannel 0: you\n\nChannel 1: the positive\n\nChannel 0: happy\n\nChannel 1: return\n\nChannel 0: to stay\n\nChannel 1: in the last twelve\n\nChannel 0: there?\n\nChannel 1: months, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'm pretty happy.\n\nChannel 0: Yep. Perfect. Not a problem at all. So, I mean, with everything you've gone through with your agent stage and where you're at and the\n\nChannel 1: Mhmm.\n\nChannel 0: fact that you're contributing to super and is working really well for you, the high growth environment definitely suits where you are. If you find at any point you're not comfortable in that or you wanted to reevaluate it, do let me know. We do an annual review every year, but you're not limited to that. At\n\nChannel 1: Okay.\n\nChannel 0: any point, if you go, hey. This is a bit uncomfortable. I think I wanna review\n\nChannel 1: Yep.\n\nChannel 0: it. You just give me a buzz. I'll book you in, and we can talk about what your options are and definitely review that. So, normally, we sort of see\n\nChannel 1: Okay.\n\nChannel 0: you in a high growth environment up until around about sort of your mid forties to early fifties depending on your comfort level. But at the same time, it's different for everyone in their comfort level and where they're at in their income and whatnot. So it can always be reevaluated at any time for yourself. Okay?\n\nChannel 1: Yep. Alright. Great.\n\nChannel 0: Fantastic. Did you have any questions in relation to anything that we've gone through, or is there anything that you wanted me to touch on that I haven't yet touched on for you?\n\nChannel 1: Oh, I'm not is there just one question really. Is, like,\n\nChannel 0: Sure.\n\nChannel 1: this sort of thing that is happening now with the war and stuff, does that create, like, opportunities for, like, for you guys for investing and stuff like that?\n\nChannel 0: Yeah. It absolutely does. When we see that the markets are having a bit of a downtime like what we have sort of seen over the past few months, it's definitely more considered a buying opportunity. As\n\nChannel 1: Okay.\n\nChannel 0: long as the investment that you're invested in is still a quality investment, you don't feel it, you know, should be removed from the portfolio, then we just see it as a buying opportunity. The biggest thing with what we do as financial advisers is you've probably heard the term time in the market beats time in the market. So we try not to be buying and selling in a way that we're day trading the super. Because, realistically, what we wanna do is we wanna stay invested in the market and allow your contributions to keep going in at all the intervals they do. So when they go in, they buy into into\n\nChannel 1: Okay.\n\nChannel 0: the discounted units when the market's down, or when the market's up, they buy into the same units, and they buy less of those units. So you're sort of taking advantage of the market when it's up and down there.\n\nChannel 1: Mhmm.\n\nChannel 0: There was a report Vanguard did a while ago, which is really interesting, and they\n\nChannel 1: Yes.\n\nChannel 0: sort of looked at the comparison of staying in the market through the ups and downs or trying to time the market. And they kind of worked out that if you missed the best and worst trading day by only a few hours or by a few days, you actually, depending on how much you had invested, missed out on between 2,000 to $50,000 over that lifetime.\n\nChannel 1: Yeah.\n\nChannel 0: So,\n\nChannel 1: Wow.\n\nChannel 0: yeah, so it's very hard to time the market. It's always difficult. Most people that try fail nine out of 10 times.\n\nChannel 1: Mhmm.\n\nChannel 0: So as advisors, we have more philosophy where staying in the market is participating in the market and taking advantage of those downtimes and keeping your contributions going in provides a greater benefit over the longer term.\n\nChannel 1: Okay. Alright. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: alright.\n\nChannel 0: Yeah. Yeah. Did that answer your question?\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: It's good to it's good to get a little bit of an insight. Like,\n\nChannel 0: Yeah.\n\nChannel 1: now that I kind of understand it, like, a little bit,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, what you're saying, like, when I first like, before I even got involved in it, like, when I would speak to you guys, it would kinda sound a bit, like, you know, like a different language. But\n\nChannel 0: A\n\nChannel 1: yeah.\n\nChannel 0: bit gibberish.\n\nChannel 1: Now it makes a lot more sense.\n\nChannel 0: Yeah. No. Definitely. Well, if you ever find questions, please let me know. I'm more than happy to do so.\n\nWhat I'll do after the call is I'll send you an email there, Adrian, so you do have my direct email as well. If\n\nChannel 1: Okay.\n\nChannel 0: you find you have any questions at any point, please let me know. My name is Dana. I'm happy to answer any questions you might have. It doesn't matter what it is. If it's on your mind and it's important to you, then it's a good question to ask.\n\nChannel 1: Okay.\n\nChannel 0: I can help you with research material on certain things if you're interested or if you just want a bit of, you know, information. Feel free to let me know. I'm more than happy to help you out and, you know, help with the education value. It's part of my job that I love is educating people on how and why we invest and how it all works because it's not something we ever learned when we were younger, so it's actually\n\nChannel 1: Yeah.\n\nChannel 0: pretty cool\n\nChannel 1: That's\n\nChannel 0: to share\n\nChannel 1: right.\n\nChannel 0: that.\n\nChannel 1: You don't learn it\n\nChannel 0: Yeah.\n\nChannel 1: when, yeah, when you're younger or at school or anything like\n\nChannel 0: Yeah.\n\nChannel 1: that. But, yeah, it's super interesting.\n\nChannel 0: Absolutely. In the and your review pack that my team will send out over the next couple of days, it'll have your ongoing service agreement for the next twelve months there. Now for our services and for us looking after your sleep, you do pay an ongoing service fee of 1.65% per annum. That\n\nChannel 1: Mhmm.\n\nChannel 0: is deducted in smaller monthly increments from your sleep, and the idea of the percentage based fee is that fluctuates with the market. So when the market is down, like some of the volatility that we have seen recently, then our fee does sort of take a bit of a dip with it. However, when the market does go up, then our fee takes a bit of a rise with it as well. So the idea is it's linked to the performance if you're suited for that.\n\nChannel 1: Okay. Let's\n\nChannel 0: I'll\n\nChannel 1: see.\n\nChannel 0: also make sure that there's I'll pop in a little Vanguard chat for you. It's probably one you've seen before, but it's actually kind of really cool. It sort of shows you over the last thirty years how investing in different markets has reacted. So I'll pop that in there for you. You'll\n\nChannel 1: Okay.\n\nChannel 0: see it's got a lovely big red heading that says Vanguard. And if you have a look at that and you get a bit confused or you wanna sort of talk it through, let me know. I'm more than happy to give you a bit of a breakdown. I'll even probably attach this email this afternoon with a little bit of a breakdown for you so you can kind of have a look at that. But it's a really good guide on how different investments have reacted over the last thirty years and why we invest the way we do and\n\nChannel 1: Okay.\n\nChannel 0: how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool.\n\nChannel 1: Yeah. Right. Okay. Well, I'm not usually one to take any sort of risk. So so whatever I sort of do, yeah, doesn't doesn't add much risk to it.\n\nWell, hopefully, anyway, it's only a little bit here, a little bit there. But\n\nChannel 0: Yeah.\n\nChannel 1: where do you where do you generally get, like, say you you research different companies and stuff like that and what you're investing\n\nChannel 0: Yep.\n\nChannel 1: in, where do you generally do that research? Where do you get that\n\nChannel 0: So\n\nChannel 1: information, like, on your part? Because from my part, it's basically\n\nChannel 0: yeah.\n\nChannel 1: just podcast and and YouTube\n\nChannel 0: Yep.\n\nChannel 1: channels and stuff like that. But yeah.\n\nChannel 0: Yeah. So depending on what you're investing in, when we do it for your super, we utilize platforms and research houses like lawn, sec, and morning staff. They are they're just like a they're research platforms. They cost a lot of money to have every year, so we utilize\n\nChannel 1: Okay.\n\nChannel 0: those.\n\nChannel 1: Yeah.\n\nChannel 0: So if there's anything you're interested in, let me know. I can go into those and see if they provide the research for you.\n\nChannel 1: Mhmm.\n\nChannel 0: In my own sort of world investing outside of Super, I use a lot of the individual company's website. So any any company listed on the ASX or certain exchanges has an investor profile or an investor section on their\n\nChannel 1: Okay.\n\nChannel 0: website.\n\nChannel 1: Yeah.\n\nChannel 0: And I go into those sections, and I read all of the media releases. I read all of the individual annual reports and things like that, look at the breakdown of what their numbers are, their earnings, and things\n\nChannel 1: Yep.\n\nChannel 0: like that. And that kinda gives me an idea of what they're tracking for, how they're being performing, whether they've got a bit of, you know, free cash flow, things like that,\n\nChannel 1: Yep.\n\nChannel 0: and having a look at what their goals are moving forward, what they're hoping to sort of achieve. I also then utilize as many news articles as I possibly can written by, you\n\nChannel 1: Oh,\n\nChannel 0: know,\n\nChannel 1: wow.\n\nChannel 0: as many as as many different people as possible\n\nChannel 1: Yeah.\n\nChannel 0: to try and sort of understand, you know, how other people sort of use the company as a whole. So when\n\nChannel 1: Yep.\n\nChannel 0: I sort of research companies in my own world outside of work, it takes me about a month to do that research\n\nChannel 1: Yeah. Okay.\n\nChannel 0: on one company to really delve into it. But\n\nChannel 1: Yep.\n\nChannel 0: throughout here, if you just wanted to, you know, say, hey. You're interested in a certain company. What, you know, what research material can we get? We'll have a look at Lonsac. We'll have a look at Morningstar.\n\nWe'll have a look at any other analysts that might provide the information,\n\nChannel 1: Yeah.\n\nChannel 0: and we can always email it through to you so you can have a bit of a raise. That might just give you a bit of a hand. Yeah.\n\nChannel 1: Yeah. For sure. Oh, that's cool. Yeah. You really\n\nChannel 0: Yeah.\n\nChannel 1: do do your research then. Hey.\n\nChannel 0: Absolutely.\n\nChannel 1: Oh, that's cool.\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: The only other thing to make mention is in the annual review pack, you'll also have a financial services guide, which outlines everything about who we are, what we do, how we do it. It has all my licensing information in there for you. As\n\nChannel 1: Mhmm.\n\nChannel 0: a full licensed adviser, we are registered with Aspic, and my registration number is 1304394. I'll also probably have in there a tax file consent form. We're just updating all of those as well. It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number. And with all the security things happening in recent years, we wanna make sure you're aware of the information we hold on you and how and why.\n\nSo we\n\nChannel 1: Yep.\n\nChannel 0: are very security conscious in that way. So there'll be a tax file opt in form. And every so often, we also like to update the so the ATO authorities as well. So it's essentially a lost super search. We just get everyone to sign one every couple of years, and we\n\nChannel 1: Mhmm.\n\nChannel 0: send it off to the ATO and get them to go out there and do a bit of looking to see if there's any lost super or a bit of money sitting aside somewhere\n\nChannel 1: Okay.\n\nChannel 0: that we can consolidate for you as well. Okay.\n\nChannel 1: Alright. Great.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Correct.\n\nChannel 0: All good. Is there any questions or anything that I might not have touched on or anything you kinda wanted me to break down a bit further for you?\n\nChannel 1: Oh, no. I'm pretty I'm pretty good. I\n\nChannel 0: All\n\nChannel 1: think I've\n\nChannel 0: good?\n\nChannel 1: asked my I've asked my questions for now, but yeah.\n\nChannel 0: That's okay. I'll send you the email shortly with that bit of information for you, and then you're always welcome to come back and let me know if there's anything else. In the meantime, if you do have any questions, let me know, and I'll make sure we do a catch up in about six months there for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Perfect. Thanks, Dana.\n\nChannel 0: Beautiful. That's okay. Thank you so much for your time today, Adrian. I really appreciate it.\n\nChannel 1: Me too. Thank you very much.\n\nChannel 0: No worries. I'll talk to you soon. Thank you\n\nChannel 1: Alright.\n\nChannel 0: for your time.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02430829033255577}],"sentiment":"neutral","sentiment_score":0.02430829033255577,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Adrian.","start":1.76,"end":2.48,"sentiment":"neutral","sentiment_score":0.09730982407927513},{"text":"It's Dana from Oakey Financial.","start":2.48,"end":4.02,"sentiment":"neutral","sentiment_score":0.13371517956256868},{"text":"How are you this afternoon?","start":4.08,"end":5.22,"sentiment":"neutral","sentiment_score":0.17286834120750427}],"sentiment":"neutral","sentiment_score":0.14396143766740957,"channel":0,"num_words":12,"start":1.76,"end":5.22},{"sentences":[{"text":"Yeah.","start":5.52,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.2282712459564209},{"text":"Good.","start":5.8399997,"end":6.08,"sentiment":"positive","sentiment_score":0.5008437633514404},{"text":"Thank you.","start":6.08,"end":6.56,"sentiment":"positive","sentiment_score":0.5517648458480835},{"text":"How are you going?","start":6.56,"end":7.54,"sentiment":"positive","sentiment_score":0.39216526597738266}],"sentiment":"positive","sentiment_score":0.42516322061419487,"channel":1,"num_words":8,"start":5.52,"end":7.54},{"sentences":[{"text":"I'm very well.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.5741828878720602},{"text":"Thank you.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.6511035561561584},{"text":"Thanks for asking.","start":9.12,"end":9.92,"sentiment":"positive","sentiment_score":0.6270636320114136},{"text":"I had you booked in to go through your annual review today.","start":9.92,"end":12.32,"sentiment":"neutral","sentiment_score":0.25648990149299306},{"text":"Is now still a good time there for you?","start":12.32,"end":14.42,"sentiment":"neutral","sentiment_score":0.23304900030295053}],"sentiment":"positive","sentiment_score":0.34762987905535203,"channel":0,"num_words":29,"start":7.8399997,"end":14.42},{"sentences":[{"text":"Yeah.","start":14.48,"end":14.88,"sentiment":"neutral","sentiment_score":0.1005246639251709},{"text":"For sure.","start":14.88,"end":15.495,"sentiment":"neutral","sentiment_score":0.0882442332804203},{"text":"For sure.","start":15.655,"end":16.395,"sentiment":"neutral","sentiment_score":0.09893051162362099}],"sentiment":"neutral","sentiment_score":0.0949748307466507,"channel":1,"num_words":5,"start":14.48,"end":16.395},{"sentences":[{"text":"Yep.","start":15.965,"end":16.465,"sentiment":"neutral","sentiment_score":0.2584139108657837},{"text":"Fantastic.","start":17.005,"end":17.505,"sentiment":"positive","sentiment_score":0.5857858061790466},{"text":"And before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":17.725,"end":22.125,"sentiment":"neutral","sentiment_score":0.17259477586908775},{"text":"Are you happy for me to proceed with that?","start":22.125,"end":24.064999,"sentiment":"neutral","sentiment_score":0.19889011647966173}],"sentiment":"neutral","sentiment_score":0.194887752560052,"channel":0,"num_words":33,"start":15.965,"end":24.064999},{"sentences":[{"text":"Yeah.","start":24.055,"end":24.295,"sentiment":"neutral","sentiment_score":0.24063488841056824},{"text":"I'm happy with that.","start":24.295,"end":25.435,"sentiment":"positive","sentiment_score":0.4988359212875366}],"sentiment":"positive","sentiment_score":0.4471957147121429,"channel":1,"num_words":5,"start":24.055,"end":25.435},{"sentences":[{"text":"Fantastic.","start":25.645,"end":26.145,"sentiment":"positive","sentiment_score":0.6160948872566223},{"text":"And I'll do some security there with you as well.","start":26.204998,"end":28.039999,"sentiment":"neutral","sentiment_score":0.26081055849790574},{"text":"We are discussing personal information.","start":28.039999,"end":29.64,"sentiment":"neutral","sentiment_score":0.08860094100236893},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":29.64,"end":33.66,"sentiment":"neutral","sentiment_score":0.10010037906467914}],"sentiment":"neutral","sentiment_score":0.15747813218169743,"channel":0,"num_words":36,"start":25.645,"end":33.66},{"sentences":[{"text":"It's Adrian Christopher as a party.","start":34.48,"end":36.32,"sentiment":"neutral","sentiment_score":0.04793909005820751},{"text":"The 1983 and 28 Bruce Road, Glenbrook.","start":36.32,"end":41.54,"sentiment":"neutral","sentiment_score":0.034571556374430656}],"sentiment":"neutral","sentiment_score":0.04074118730540459,"channel":1,"num_words":13,"start":34.48,"end":41.54},{"sentences":[{"text":"Beautiful.","start":42.295,"end":42.695,"sentiment":"positive","sentiment_score":0.44610679149627686},{"text":"Thank you so much for that.","start":42.695,"end":44.234997,"sentiment":"positive","sentiment_score":0.5741795500119528},{"text":"Adrian, just wanted to sort of jump into the annual review and go through things with you.","start":44.454998,"end":48.295,"sentiment":"neutral","sentiment_score":0.2796540733645944},{"text":"Is there any particular you wanted me to touch base on or any questions that you might have for me that you wanted me to address today for you?","start":48.295,"end":54.84,"sentiment":"neutral","sentiment_score":0.1078517198048789}],"sentiment":"neutral","sentiment_score":0.22213213609636956,"channel":0,"num_words":53,"start":42.295,"end":54.84},{"sentences":[{"text":"Probably just the, yeah, just the the, you know, how do you even explain it?","start":55.705,"end":62.73,"sentiment":"neutral","sentiment_score":-0.04012857166429361},{"text":"Just what's going on with the wars and stuff like that with","start":62.73,"end":65.69,"sentiment":"neutral","sentiment_score":-0.04965524965276321}],"sentiment":"neutral","sentiment_score":-0.04436265077028009,"channel":1,"num_words":27,"start":55.705,"end":65.69},{"sentences":[{"text":"Yeah.","start":65.4,"end":65.9,"sentiment":"neutral","sentiment_score":-0.02220892161130905}],"sentiment":"neutral","sentiment_score":-0.02220892161130905,"channel":0,"num_words":1,"start":65.4,"end":65.9},{"sentences":[{"text":"with super and, you know, losses","start":65.69,"end":67.61,"sentiment":"neutral","sentiment_score":-0.020398706818620365}],"sentiment":"neutral","sentiment_score":-0.020398706818620365,"channel":1,"num_words":6,"start":65.69,"end":67.61},{"sentences":[{"text":"Yep.","start":67.33501,"end":67.83501,"sentiment":"neutral","sentiment_score":-0.02462230995297432}],"sentiment":"neutral","sentiment_score":-0.02462230995297432,"channel":0,"num_words":1,"start":67.33501,"end":67.83501},{"sentences":[{"text":"and all that sort of stuff, I guess.","start":67.61,"end":69.95,"sentiment":"neutral","sentiment_score":-0.02605045703239739}],"sentiment":"neutral","sentiment_score":-0.02605045703239739,"channel":1,"num_words":8,"start":67.61,"end":69.95},{"sentences":[{"text":"Yeah.","start":70.455,"end":70.855,"sentiment":"neutral","sentiment_score":0.028736190870404243},{"text":"Absolutely.","start":70.855,"end":71.355,"sentiment":"neutral","sentiment_score":0.07470428943634033},{"text":"Not a problem at all.","start":71.575005,"end":72.375,"sentiment":"neutral","sentiment_score":0.07773596569895744},{"text":"It's definitely probably something on everyone's mind at the moment.","start":72.375,"end":74.775,"sentiment":"neutral","sentiment_score":0.003816599026322365},{"text":"We hear","start":74.775,"end":75.175,"sentiment":"neutral","sentiment_score":-0.006012255325913429}],"sentiment":"neutral","sentiment_score":0.027276936232259397,"channel":0,"num_words":19,"start":70.455,"end":75.175},{"sentences":[{"text":"Yeah.","start":75.045,"end":75.545,"sentiment":"neutral","sentiment_score":-0.013054797425866129}],"sentiment":"neutral","sentiment_score":-0.013054797425866129,"channel":1,"num_words":1,"start":75.045,"end":75.545},{"sentences":[{"text":"a lot about it in the news and the media, so I can completely understand.","start":75.175,"end":79.175,"sentiment":"neutral","sentiment_score":-0.004079083601633708},{"text":"Look.","start":79.175,"end":79.33501,"sentiment":"neutral","sentiment_score":0.02217932790517807},{"text":"What I'll do is I'll run through that first step for you if you like.","start":79.33501,"end":82.05,"sentiment":"neutral","sentiment_score":0.05481129710872968},{"text":"After the call, within the next I'm sorry.","start":82.37,"end":85.350006,"sentiment":"neutral","sentiment_score":-0.015853715827688575},{"text":"I've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going","start":85.41,"end":92.69,"sentiment":"neutral","sentiment_score":0.016864178811802584}],"sentiment":"neutral","sentiment_score":0.016845409362895847,"channel":0,"num_words":73,"start":75.175,"end":92.69},{"sentences":[{"text":"Cool.","start":92.630005,"end":93.130005,"sentiment":"neutral","sentiment_score":0.00917116552591324}],"sentiment":"neutral","sentiment_score":0.00917116552591324,"channel":1,"num_words":1,"start":92.630005,"end":93.130005},{"sentences":[{"text":"through for you to review.","start":92.69,"end":94.07,"sentiment":"neutral","sentiment_score":0.002600051462650299},{"text":"But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon.","start":94.835,"end":99.895004,"sentiment":"neutral","sentiment_score":-0.19799587469209323}],"sentiment":"neutral","sentiment_score":-0.16084848095973334,"channel":0,"num_words":27,"start":92.69,"end":99.895004},{"sentences":[{"text":"Yeah.","start":100.23,"end":100.73,"sentiment":"neutral","sentiment_score":-0.032039884477853775}],"sentiment":"neutral","sentiment_score":-0.032039884477853775,"channel":1,"num_words":1,"start":100.23,"end":100.73},{"sentences":[{"text":"I've got I've got your report in front of me here.","start":100.435,"end":102.995,"sentiment":"neutral","sentiment_score":0.0026394790250130677},{"text":"So having a bit of a look at the way things are, and it's quite understandable.","start":102.995,"end":105.895004,"sentiment":"neutral","sentiment_score":0.02096433425322175},{"text":"Obviously, the world is showing a little bit of volatility at the moment with what's happening between Iran and The US.","start":106.035,"end":111.59,"sentiment":"neutral","sentiment_score":-0.2771978144134794},{"text":"Obviously, the fuel shortages and the concern around that is having a bit of an impact on Australian equities as well.","start":111.59,"end":119.07,"sentiment":"negative","sentiment_score":-0.35396245618661243},{"text":"And","start":119.07,"end":119.51,"sentiment":"neutral","sentiment_score":-0.08561110496520996}],"sentiment":"neutral","sentiment_score":-0.1853644738605778,"channel":0,"num_words":70,"start":100.435,"end":119.51},{"sentences":[{"text":"Yep.","start":119.5,"end":120.0,"sentiment":"neutral","sentiment_score":-0.0671527087688446}],"sentiment":"neutral","sentiment_score":-0.0671527087688446,"channel":1,"num_words":1,"start":119.5,"end":120.0},{"sentences":[{"text":"then here in the home front, we've also had some high inflation, which has been affecting affecting fixed interest in bond markets as well.","start":119.51,"end":125.875,"sentiment":"neutral","sentiment_score":-0.10749198690367241},{"text":"So your super in particular is actually doing quite well for where","start":125.875,"end":130.035,"sentiment":"neutral","sentiment_score":0.2608872962494691}],"sentiment":"neutral","sentiment_score":0.015301107480708096,"channel":0,"num_words":36,"start":119.51,"end":130.035},{"sentences":[{"text":"Oh,","start":130.035,"end":130.535,"sentiment":"neutral","sentiment_score":-0.010690487921237946}],"sentiment":"neutral","sentiment_score":-0.010690487921237946,"channel":1,"num_words":1,"start":130.035,"end":130.535},{"sentences":[{"text":"we're at.","start":130.035,"end":130.675,"sentiment":"neutral","sentiment_score":0.055140599608421326},{"text":"A 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some negative results to sort of with the volatility.","start":131.795,"end":135.63501,"sentiment":"negative","sentiment_score":-0.38816653937101364},{"text":"But for your super, you're up after fees of 4.27% for the last twelve months.","start":135.63501,"end":140.83,"sentiment":"neutral","sentiment_score":0.11788979967435201},{"text":"So you're actually coming out showing a positive right now, and that's really good to see.","start":140.83,"end":145.57,"sentiment":"positive","sentiment_score":0.5967420749366283}],"sentiment":"neutral","sentiment_score":0.13070863650904763,"channel":0,"num_words":45,"start":131.795,"end":145.57},{"sentences":[{"text":"Mhmm.","start":146.39,"end":146.89,"sentiment":"neutral","sentiment_score":0.08102002739906311}],"sentiment":"neutral","sentiment_score":0.08102002739906311,"channel":1,"num_words":1,"start":146.39,"end":146.89},{"sentences":[{"text":"We did also send through an email a couple of weeks back.","start":147.47,"end":151.23001,"sentiment":"neutral","sentiment_score":0.10969459172338247},{"text":"Do you remember receiving a record of advice in your emails recently at all just with an update to your portfolio?","start":151.23001,"end":157.705,"sentiment":"neutral","sentiment_score":0.07483706969235625}],"sentiment":"neutral","sentiment_score":0.08751253224909306,"channel":0,"num_words":33,"start":147.47,"end":157.705},{"sentences":[{"text":"Briefly.","start":158.525,"end":159.025,"sentiment":"neutral","sentiment_score":0.02753346972167492},{"text":"Yeah.","start":159.085,"end":159.325,"sentiment":"neutral","sentiment_score":0.03542085364460945},{"text":"I briefly remember saying something.","start":159.325,"end":161.105,"sentiment":"neutral","sentiment_score":0.015217547491192817}],"sentiment":"neutral","sentiment_score":0.019863151546035494,"channel":1,"num_words":7,"start":158.525,"end":161.105},{"sentences":[{"text":"Yeah.","start":161.52501,"end":161.925,"sentiment":"neutral","sentiment_score":0.09550660848617554},{"text":"Yeah.","start":161.925,"end":162.24501,"sentiment":"neutral","sentiment_score":0.2242276966571808},{"text":"Beautiful.","start":162.24501,"end":162.74501,"sentiment":"positive","sentiment_score":0.4665147662162781},{"text":"So one of the reasons you actually got a bit of a positive result here at the moment is that we've also removed some one of the underlying investments from your portfolio and replaced it.","start":162.80501,"end":171.23,"sentiment":"neutral","sentiment_score":0.13252836721284048},{"text":"It was actually underperforming.","start":171.23,"end":172.37,"sentiment":"neutral","sentiment_score":-0.20169910416007042}],"sentiment":"neutral","sentiment_score":0.10995108350401833,"channel":0,"num_words":42,"start":161.52501,"end":172.37},{"sentences":[{"text":"So","start":172.83,"end":173.33,"sentiment":"neutral","sentiment_score":-0.042414188385009766}],"sentiment":"neutral","sentiment_score":-0.042414188385009766,"channel":0,"num_words":1,"start":172.83,"end":173.33},{"sentences":[{"text":"Mhmm.","start":173.49,"end":173.99,"sentiment":"neutral","sentiment_score":-0.031104322522878647}],"sentiment":"neutral","sentiment_score":-0.031104322522878647,"channel":1,"num_words":1,"start":173.49,"end":173.99},{"sentences":[{"text":"you originally have Benelon Australian Equities in there.","start":173.71,"end":176.75,"sentiment":"neutral","sentiment_score":-0.0021648351103067394},{"text":"That was originally placed in your portfolio as a little bit of an actively managed 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and","start":193.235,"end":202.33,"sentiment":"negative","sentiment_score":-0.39273543655872345}],"sentiment":"neutral","sentiment_score":-0.05428488845570704,"channel":0,"num_words":89,"start":173.71,"end":202.33},{"sentences":[{"text":"Okay.","start":202.3,"end":202.8,"sentiment":"neutral","sentiment_score":-0.28429293632507324}],"sentiment":"neutral","sentiment_score":-0.28429293632507324,"channel":1,"num_words":1,"start":202.3,"end":202.8},{"sentences":[{"text":"it means that that investment as a whole has been underperforming slightly.","start":202.33,"end":206.01,"sentiment":"negative","sentiment_score":-0.4009212050586939},{"text":"So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios.","start":206.01,"end":216.975,"sentiment":"neutral","sentiment_score":-0.061339449806091115},{"text":"And 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giving","start":225.195,"end":226.235,"sentiment":"neutral","sentiment_score":0.036699996329844}],"sentiment":"neutral","sentiment_score":-0.08724063079804183,"channel":0,"num_words":25,"start":217.835,"end":226.235},{"sentences":[{"text":"Okay.","start":226.175,"end":226.675,"sentiment":"neutral","sentiment_score":0.02149287611246109}],"sentiment":"neutral","sentiment_score":0.02149287611246109,"channel":1,"num_words":1,"start":226.175,"end":226.675},{"sentences":[{"text":"you exposure to the Australian equities.","start":226.235,"end":228.61,"sentiment":"neutral","sentiment_score":0.032927289605140686},{"text":"It's just that it's more of a passively managed fund, so it's tracking the top 200 companies via the index there.","start":228.67,"end":235.25,"sentiment":"neutral","sentiment_score":0.11067237013152667},{"text":"It has actually performed very well for the past couple of 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yeah,","start":254.77501,"end":255.735,"sentiment":"positive","sentiment_score":0.44646650552749634}],"sentiment":"positive","sentiment_score":0.5210446266475881,"channel":0,"num_words":101,"start":226.235,"end":255.735},{"sentences":[{"text":"Awesome.","start":255.735,"end":256.235,"sentiment":"positive","sentiment_score":0.7332291603088379}],"sentiment":"positive","sentiment_score":0.7332291603088379,"channel":1,"num_words":1,"start":255.735,"end":256.235},{"sentences":[{"text":"we hope to yeah.","start":255.735,"end":257.13998,"sentiment":"positive","sentiment_score":0.5717357248067856},{"text":"We definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well.","start":257.13998,"end":262.75998,"sentiment":"positive","sentiment_score":0.43083240934040234},{"text":"One of 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year?","start":275.07498,"end":282.115,"sentiment":"neutral","sentiment_score":0.07311476635582306},{"text":"What's your preference moving forward?","start":282.115,"end":283.895,"sentiment":"neutral","sentiment_score":0.04291334971785545}],"sentiment":"neutral","sentiment_score":0.10458881026681732,"channel":0,"num_words":85,"start":263.46,"end":283.895},{"sentences":[{"text":"Probably every six months.","start":284.57,"end":285.85,"sentiment":"neutral","sentiment_score":0.03863818384706974},{"text":"Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah.","start":285.85,"end":291.77002,"sentiment":"neutral","sentiment_score":-0.01712152690571897},{"text":"Like I said, it's pretty 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another way that the book is set, I know last year was a little bit all over the place.","start":298.735,"end":302.655,"sentiment":"neutral","sentiment_score":-0.08267793228680437},{"text":"It was a bit of, you know, bit difficult with all everything that was going","start":302.655,"end":306.175,"sentiment":"neutral","sentiment_score":-0.16802088618278505}],"sentiment":"neutral","sentiment_score":-0.1063800681477938,"channel":0,"num_words":39,"start":296.895,"end":306.175},{"sentences":[{"text":"Yeah.","start":305.995,"end":306.495,"sentiment":"neutral","sentiment_score":-0.05516629293560982}],"sentiment":"neutral","sentiment_score":-0.05516629293560982,"channel":1,"num_words":1,"start":305.995,"end":306.495},{"sentences":[{"text":"on.","start":306.175,"end":306.57498,"sentiment":"neutral","sentiment_score":-0.05680970102548599},{"text":"But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently.","start":306.57498,"end":310.25497,"sentiment":"neutral","sentiment_score":-0.023527393472336587},{"text":"So myself and my lovely admin team member, Michelle, so you'll get to know quite well.","start":310.25497,"end":314.89,"sentiment":"neutral","sentiment_score":0.05864873214159161},{"text":"We'll","start":315.11002,"end":315.43,"sentiment":"neutral","sentiment_score":0.04480607435107231}],"sentiment":"neutral","sentiment_score":0.011084636530050864,"channel":0,"num_words":39,"start":306.175,"end":315.43},{"sentences":[{"text":"Mhmm.","start":315.4,"end":315.9,"sentiment":"neutral","sentiment_score":0.04318222403526306}],"sentiment":"neutral","sentiment_score":0.04318222403526306,"channel":1,"num_words":1,"start":315.4,"end":315.9},{"sentences":[{"text":"have it in our calendar.","start":315.43,"end":316.55002,"sentiment":"neutral","sentiment_score":0.049024966359138486},{"text":"So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to","start":316.55002,"end":322.39,"sentiment":"neutral","sentiment_score":0.05471405765876688}],"sentiment":"neutral","sentiment_score":0.05387742658529211,"channel":0,"num_words":34,"start":315.43,"end":322.39},{"sentences":[{"text":"Yeah.","start":322.36002,"end":322.68,"sentiment":"neutral","sentiment_score":0.04774419218301773}],"sentiment":"neutral","sentiment_score":0.04774419218301773,"channel":1,"num_words":1,"start":322.36002,"end":322.68},{"sentences":[{"text":"make sure","start":322.39,"end":322.71,"sentiment":"neutral","sentiment_score":0.061736494302749634}],"sentiment":"neutral","sentiment_score":0.061736494302749634,"channel":0,"num_words":2,"start":322.39,"end":322.71},{"sentences":[{"text":"Nice.","start":322.68,"end":323.18,"sentiment":"neutral","sentiment_score":0.15020859241485596}],"sentiment":"neutral","sentiment_score":0.15020859241485596,"channel":1,"num_words":1,"start":322.68,"end":323.18},{"sentences":[{"text":"the algorithm a bit more consistent for you moving forward.","start":322.71,"end":325.85,"sentiment":"neutral","sentiment_score":0.11743228062987328},{"text":"Okay?","start":325.91,"end":326.41,"sentiment":"neutral","sentiment_score":0.10254272818565369}],"sentiment":"neutral","sentiment_score":0.11607868495312604,"channel":0,"num_words":11,"start":322.71,"end":326.41},{"sentences":[{"text":"Okay.","start":326.375,"end":326.875,"sentiment":"neutral","sentiment_score":0.20607608556747437},{"text":"Sounds good.","start":326.935,"end":327.755,"sentiment":"positive","sentiment_score":0.5307078957557678}],"sentiment":"positive","sentiment_score":0.42249729235967,"channel":1,"num_words":3,"start":326.375,"end":327.755},{"sentences":[{"text":"Beautiful.","start":328.145,"end":328.645,"sentiment":"positive","sentiment_score":0.635696530342102},{"text":"So, look, it's great that you've seen a positive result for the 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did.","start":360.805,"end":362.585,"sentiment":"neutral","sentiment_score":0.2906081974506378}],"sentiment":"neutral","sentiment_score":0.2472236007452011,"channel":0,"num_words":5,"start":359.845,"end":362.585},{"sentences":[{"text":"Yeah.","start":363.175,"end":363.675,"sentiment":"neutral","sentiment_score":0.07339183241128922}],"sentiment":"neutral","sentiment_score":0.07339183241128922,"channel":1,"num_words":1,"start":363.175,"end":363.675},{"sentences":[{"text":"You you do also have some cybersecurity in your portfolio.","start":363.845,"end":366.98502,"sentiment":"neutral","sentiment_score":0.028704275935888292},{"text":"That is down a little bit for the 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global,","start":380.30002,"end":381.28,"sentiment":"neutral","sentiment_score":0.1049775779247284}],"sentiment":"neutral","sentiment_score":0.10260558658928583,"channel":0,"num_words":33,"start":369.90002,"end":381.28},{"sentences":[{"text":"Yep.","start":381.15503,"end":381.65503,"sentiment":"neutral","sentiment_score":0.09510958194732666}],"sentiment":"neutral","sentiment_score":0.09510958194732666,"channel":1,"num_words":1,"start":381.15503,"end":381.65503},{"sentences":[{"text":"and we do see that still as an important part of your investment portfolio.","start":381.755,"end":385.535,"sentiment":"neutral","sentiment_score":0.12007304493870054},{"text":"So we do expect to come back.","start":385.675,"end":387.455,"sentiment":"neutral","sentiment_score":0.07450885804636138},{"text":"So we are just gonna hold on to that one for a bit longer and wait and see.","start":387.835,"end":391.195,"sentiment":"neutral","sentiment_score":0.0369979879922337},{"text":"If I 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value you have any you mentioned you've got some shares at the moment as well.","start":974.79004,"end":979.03,"sentiment":"neutral","sentiment_score":0.08884108103811741},{"text":"I should note those down for you.","start":979.03,"end":980.81,"sentiment":"neutral","sentiment_score":0.10168491942541939}],"sentiment":"neutral","sentiment_score":0.09217096506445496,"channel":0,"num_words":27,"start":974.79004,"end":980.81},{"sentences":[{"text":"Yeah.","start":981.99005,"end":982.49005,"sentiment":"neutral","sentiment_score":0.03920063003897667},{"text":"I think oh, last time, I do I check it quite often because 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it.","start":987.03,"end":987.75,"sentiment":"neutral","sentiment_score":-0.04797558983167013},{"text":"But I think I think there's probably around 19 to 20,000 in 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or?","start":998.19,"end":1001.49,"sentiment":"neutral","sentiment_score":0.028363128006458283}],"sentiment":"neutral","sentiment_score":0.08575171409618287,"channel":0,"num_words":21,"start":995.62994,"end":1001.49},{"sentences":[{"text":"Just how would you say?","start":1002.23,"end":1004.55,"sentiment":"neutral","sentiment_score":0.01418053787201643},{"text":"Just a or a little bit of everything.","start":1004.55,"end":1006.64996,"sentiment":"neutral","sentiment_score":0.00972286588512361},{"text":"Actually, I probably got only, like, six or seven, but I got on that that gold train at the beginning of the year.","start":1006.95,"end":1013.58997,"sentiment":"neutral","sentiment_score":0.013956815368779327},{"text":"So, yeah, I made a little bit out of that, 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yourself.","start":1526.135,"end":1529.355,"sentiment":"neutral","sentiment_score":0.13661781427535144},{"text":"Okay?","start":1529.495,"end":1529.995,"sentiment":"neutral","sentiment_score":0.04490819573402405}],"sentiment":"neutral","sentiment_score":0.053288350960141735,"channel":0,"num_words":57,"start":1512.4,"end":1529.995},{"sentences":[{"text":"Yep.","start":1529.565,"end":1529.725,"sentiment":"neutral","sentiment_score":0.09740802645683289},{"text":"Alright.","start":1529.725,"end":1530.225,"sentiment":"positive","sentiment_score":0.3755131661891937},{"text":"Great.","start":1530.5249,"end":1531.0249,"sentiment":"positive","sentiment_score":0.8399882316589355}],"sentiment":"positive","sentiment_score":0.43763647476832074,"channel":1,"num_words":3,"start":1529.565,"end":1531.0249},{"sentences":[{"text":"Fantastic.","start":1531.895,"end":1532.395,"sentiment":"positive","sentiment_score":0.8028516173362732},{"text":"Did you have any questions in relation to anything that we've 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gibberish.","start":1691.725,"end":1692.465,"sentiment":"neutral","sentiment_score":-0.058361741714179516}],"sentiment":"neutral","sentiment_score":-0.058361741714179516,"channel":0,"num_words":2,"start":1691.725,"end":1692.465},{"sentences":[{"text":"Now it makes a lot more sense.","start":1691.975,"end":1694.235,"sentiment":"neutral","sentiment_score":0.16932286534990584}],"sentiment":"neutral","sentiment_score":0.16932286534990584,"channel":1,"num_words":7,"start":1691.975,"end":1694.235},{"sentences":[{"text":"Yeah.","start":1695.61,"end":1696.11,"sentiment":"neutral","sentiment_score":0.04849129915237427},{"text":"No.","start":1696.17,"end":1696.49,"sentiment":"neutral","sentiment_score":0.07248035073280334},{"text":"Definitely.","start":1696.49,"end":1696.89,"sentiment":"neutral","sentiment_score":0.17299839854240415},{"text":"Well, if you ever find questions, please let me 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well.","start":1700.89,"end":1706.505,"sentiment":"neutral","sentiment_score":0.18762297863545624},{"text":"If","start":1706.745,"end":1706.905,"sentiment":"neutral","sentiment_score":0.14013099670410156}],"sentiment":"neutral","sentiment_score":0.18564414605498314,"channel":0,"num_words":24,"start":1700.89,"end":1706.905},{"sentences":[{"text":"Okay.","start":1706.9,"end":1707.4,"sentiment":"neutral","sentiment_score":0.1584237813949585}],"sentiment":"neutral","sentiment_score":0.1584237813949585,"channel":1,"num_words":1,"start":1706.9,"end":1707.4},{"sentences":[{"text":"you find you have any questions at any point, please let me know.","start":1706.905,"end":1709.625,"sentiment":"neutral","sentiment_score":0.1711563066794322},{"text":"My name is Dana.","start":1709.625,"end":1710.665,"sentiment":"neutral","sentiment_score":0.29627349972724915},{"text":"I'm happy to answer any questions you might 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information.","start":1718.425,"end":1724.62,"sentiment":"neutral","sentiment_score":0.24952925244967142},{"text":"Feel free to let me know.","start":1725.16,"end":1726.2001,"sentiment":"neutral","sentiment_score":0.26678915073474246},{"text":"I'm more than happy to help you out and, you know, help with the education value.","start":1726.2001,"end":1730.14,"sentiment":"positive","sentiment_score":0.5609507989138365},{"text":"It's part of my job that I love is educating people on how and why we invest and how it all works because it's not something we ever learned when we were younger, so it's 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review pack that my team will send out over the next couple of days, it'll have your ongoing service agreement for the next twelve months there.","start":1750.0499,"end":1757.895,"sentiment":"neutral","sentiment_score":0.25675477683544157},{"text":"Now for our services and for us looking after your sleep, you do pay an ongoing service fee of 1.65% per annum.","start":1758.215,"end":1764.715,"sentiment":"neutral","sentiment_score":0.08770455826412547},{"text":"That","start":1765.095,"end":1765.255,"sentiment":"neutral","sentiment_score":0.11379244178533554}],"sentiment":"neutral","sentiment_score":0.19453402236104012,"channel":0,"num_words":54,"start":1748.21,"end":1765.255},{"sentences":[{"text":"Mhmm.","start":1765.14,"end":1765.64,"sentiment":"neutral","sentiment_score":0.09745905548334122}],"sentiment":"neutral","sentiment_score":0.09745905548334122,"channel":1,"num_words":1,"start":1765.14,"end":1765.64},{"sentences":[{"text":"is deducted in smaller monthly increments from your sleep, and the idea of the percentage based fee is that fluctuates with the market.","start":1765.255,"end":1771.5751,"sentiment":"neutral","sentiment_score":0.10370016511043777},{"text":"So when the market is down, like some of the volatility that we have seen recently, then our fee does sort of take a bit of a dip with it.","start":1771.5751,"end":1778.21,"sentiment":"neutral","sentiment_score":-0.017530394593874614},{"text":"However, when the market does go up, then our fee takes a bit of a rise with it as well.","start":1778.21,"end":1782.2899,"sentiment":"neutral","sentiment_score":0.09899837281554938},{"text":"So the idea is it's linked to the performance if you're suited for 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make sure that there's I'll pop in a little Vanguard chat for you.","start":1786.4751,"end":1790.2351,"sentiment":"neutral","sentiment_score":0.14963416861636297},{"text":"It's probably one you've seen before, but it's actually kind of really cool.","start":1790.2351,"end":1793.435,"sentiment":"positive","sentiment_score":0.3418021179162539},{"text":"It sort of shows you over the last thirty years how investing in different markets has reacted.","start":1793.435,"end":1800.15,"sentiment":"positive","sentiment_score":0.34364472767885995},{"text":"So I'll pop that in there for you.","start":1800.29,"end":1802.23,"sentiment":"neutral","sentiment_score":0.23969524912536144},{"text":"You'll","start":1802.37,"end":1802.53,"sentiment":"neutral","sentiment_score":0.15879112482070923}],"sentiment":"neutral","sentiment_score":0.2727664034321623,"channel":0,"num_words":53,"start":1786.4751,"end":1802.53},{"sentences":[{"text":"Okay.","start":1802.53,"end":1803.03,"sentiment":"neutral","sentiment_score":0.19733937084674835}],"sentiment":"neutral","sentiment_score":0.19733937084674835,"channel":1,"num_words":1,"start":1802.53,"end":1803.03},{"sentences":[{"text":"see it's got a lovely big red heading that says Vanguard.","start":1802.53,"end":1805.35,"sentiment":"neutral","sentiment_score":0.2999092232097279},{"text":"And if you have a look at that and you get a bit confused or you wanna sort of talk it through, let me know.","start":1805.41,"end":1809.73,"sentiment":"neutral","sentiment_score":0.1254095795750618},{"text":"I'm more than happy to give you a bit of a breakdown.","start":1809.73,"end":1812.075,"sentiment":"positive","sentiment_score":0.43624717990557355},{"text":"I'll even probably attach this email this afternoon with a little bit of a breakdown for you so you can kind of have a look at that.","start":1812.075,"end":1818.555,"sentiment":"neutral","sentiment_score":0.28122026942394396},{"text":"But it's a really good guide on how different investments have reacted over the last thirty years and why we invest the way we do and","start":1818.555,"end":1826.13,"sentiment":"positive","sentiment_score":0.41757678527098435}],"sentiment":"neutral","sentiment_score":0.29820941381230215,"channel":0,"num_words":101,"start":1802.53,"end":1826.13},{"sentences":[{"text":"Okay.","start":1825.96,"end":1826.46,"sentiment":"neutral","sentiment_score":0.17935903370380402}],"sentiment":"neutral","sentiment_score":0.17935903370380402,"channel":1,"num_words":1,"start":1825.96,"end":1826.46},{"sentences":[{"text":"how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool.","start":1826.13,"end":1837.1901,"sentiment":"neutral","sentiment_score":0.14434591690317178}],"sentiment":"neutral","sentiment_score":0.14434591690317178,"channel":0,"num_words":39,"start":1826.13,"end":1837.1901},{"sentences":[{"text":"Yeah.","start":1837.565,"end":1837.885,"sentiment":"neutral","sentiment_score":0.040248289704322815},{"text":"Right.","start":1837.885,"end":1838.125,"sentiment":"neutral","sentiment_score":0.03498329967260361},{"text":"Okay.","start":1838.125,"end":1838.605,"sentiment":"neutral","sentiment_score":0.014844696968793867},{"text":"Well, I'm not usually one to take any sort of risk.","start":1838.605,"end":1841.885,"sentiment":"neutral","sentiment_score":-0.16477003795179454},{"text":"So so whatever I sort of do, yeah, doesn't doesn't add much risk to 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interested in, let me know.","start":1887.52,"end":1889.52,"sentiment":"neutral","sentiment_score":0.29324560463428495},{"text":"I can go into those and see if they provide the research for you.","start":1889.52,"end":1892.82,"sentiment":"neutral","sentiment_score":0.3138388288872583}],"sentiment":"neutral","sentiment_score":0.3052583187818527,"channel":0,"num_words":24,"start":1887.52,"end":1892.82},{"sentences":[{"text":"Mhmm.","start":1893.005,"end":1893.505,"sentiment":"neutral","sentiment_score":0.06124936416745186}],"sentiment":"neutral","sentiment_score":0.06124936416745186,"channel":1,"num_words":1,"start":1893.005,"end":1893.505},{"sentences":[{"text":"In my own sort of world investing outside of Super, I use a lot of the individual company's website.","start":1893.345,"end":1898.725,"sentiment":"neutral","sentiment_score":0.07698146606746473},{"text":"So any any company listed on the ASX or certain exchanges has an investor profile or an investor section on 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cool.","start":1984.385,"end":1985.285,"sentiment":"positive","sentiment_score":0.6813376744588217}],"sentiment":"positive","sentiment_score":0.6813376744588217,"channel":1,"num_words":3,"start":1984.385,"end":1985.285},{"sentences":[{"text":"Perfect.","start":1986.4451,"end":1986.9451,"sentiment":"positive","sentiment_score":0.78428053855896},{"text":"Perfect.","start":1987.165,"end":1987.665,"sentiment":"positive","sentiment_score":0.7281883955001831}],"sentiment":"positive","sentiment_score":0.7562344670295715,"channel":0,"num_words":2,"start":1986.4451,"end":1987.665},{"sentences":[{"text":"Alright.","start":1987.5701,"end":1988.0701,"sentiment":"positive","sentiment_score":0.4346264600753784}],"sentiment":"positive","sentiment_score":0.4346264600753784,"channel":1,"num_words":1,"start":1987.5701,"end":1988.0701},{"sentences":[{"text":"The only other thing to make mention is in the annual review pack, you'll also have a financial services guide, which outlines everything about who we are, what we do, how we do it.","start":1988.285,"end":1996.0399,"sentiment":"neutral","sentiment_score":0.18946998456821723},{"text":"It has all my licensing information in there for you.","start":1996.0399,"end":1999.02,"sentiment":"neutral","sentiment_score":0.18972675502300262},{"text":"As","start":1999.24,"end":1999.4,"sentiment":"neutral","sentiment_score":0.10522579401731492}],"sentiment":"neutral","sentiment_score":0.18765495154592726,"channel":0,"num_words":45,"start":1988.285,"end":1999.4},{"sentences":[{"text":"Mhmm.","start":1999.25,"end":1999.75,"sentiment":"neutral","sentiment_score":0.09130549430847168}],"sentiment":"neutral","sentiment_score":0.09130549430847168,"channel":1,"num_words":1,"start":1999.25,"end":1999.75},{"sentences":[{"text":"a full licensed adviser, we are registered with Aspic, and my registration number is 1304394.","start":1999.4,"end":2005.58,"sentiment":"neutral","sentiment_score":0.11831910163164139},{"text":"I'll also probably have in there a tax file consent form.","start":2006.165,"end":2008.885,"sentiment":"neutral","sentiment_score":0.10600652952085841},{"text":"We're just updating all of those as well.","start":2008.885,"end":2011.065,"sentiment":"neutral","sentiment_score":0.17538310401141644},{"text":"It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number.","start":2011.125,"end":2017.465,"sentiment":"neutral","sentiment_score":0.16907227153961474},{"text":"And with all the security things happening in recent years, we wanna make sure you're aware of the information we hold on you and how and why.","start":2017.86,"end":2025.0,"sentiment":"neutral","sentiment_score":0.07899432298209932}],"sentiment":"neutral","sentiment_score":0.12497297657289724,"channel":0,"num_words":87,"start":1999.4,"end":2025.0},{"sentences":[{"text":"So 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somewhere","start":2040.995,"end":2048.355,"sentiment":"neutral","sentiment_score":0.022526761516928673}],"sentiment":"neutral","sentiment_score":0.022526761516928673,"channel":0,"num_words":34,"start":2040.995,"end":2048.355},{"sentences":[{"text":"Okay.","start":2048.29,"end":2048.79,"sentiment":"neutral","sentiment_score":0.04149420186877251}],"sentiment":"neutral","sentiment_score":0.04149420186877251,"channel":1,"num_words":1,"start":2048.29,"end":2048.79},{"sentences":[{"text":"that we can consolidate for you as well.","start":2048.355,"end":2050.59,"sentiment":"neutral","sentiment_score":0.14353238232433796},{"text":"Okay.","start":2050.73,"end":2051.23,"sentiment":"neutral","sentiment_score":0.1875378042459488}],"sentiment":"neutral","sentiment_score":0.1484218736489614,"channel":0,"num_words":9,"start":2048.355,"end":2051.23},{"sentences":[{"text":"Alright.","start":2050.85,"end":2051.35,"sentiment":"positive","sentiment_score":0.3377992808818817},{"text":"Great.","start":2051.4102,"end":2051.9102,"sentiment":"positive","sentiment_score":0.7190302610397339}],"sentiment":"positive","sentiment_score":0.5284147709608078,"channel":1,"num_words":2,"start":2050.85,"end":2051.9102},{"sentences":[{"text":"Yeah.","start":2052.33,"end":2052.83,"sentiment":"positive","sentiment_score":0.5870288014411926},{"text":"Beautiful.","start":2053.05,"end":2053.55,"sentiment":"positive","sentiment_score":0.7721048593521118}],"sentiment":"positive","sentiment_score":0.6795668303966522,"channel":0,"num_words":2,"start":2052.33,"end":2053.55},{"sentences":[{"text":"Correct.","start":2053.25,"end":2053.75,"sentiment":"positive","sentiment_score":0.6802170872688293}],"sentiment":"positive","sentiment_score":0.6802170872688293,"channel":1,"num_words":1,"start":2053.25,"end":2053.75},{"sentences":[{"text":"All good.","start":2054.81,"end":2055.3699,"sentiment":"positive","sentiment_score":0.6513496935367584},{"text":"Is there any questions or anything that I might not have touched on or anything you kinda wanted me to break down a bit further for you?","start":2055.3699,"end":2061.31,"sentiment":"neutral","sentiment_score":0.12124119974948742}],"sentiment":"neutral","sentiment_score":0.15780040621757507,"channel":0,"num_words":29,"start":2054.81,"end":2061.31},{"sentences":[{"text":"Oh, no.","start":2061.5452,"end":2062.0251,"sentiment":"neutral","sentiment_score":-0.005656108260154724},{"text":"I'm pretty I'm pretty good.","start":2062.0251,"end":2063.3052,"sentiment":"neutral","sentiment_score":0.21832943558692933},{"text":"I","start":2063.3052,"end":2063.465,"sentiment":"neutral","sentiment_score":0.279628187417984}],"sentiment":"neutral","sentiment_score":0.16999539360404015,"channel":1,"num_words":8,"start":2061.5452,"end":2063.465},{"sentences":[{"text":"All","start":2063.415,"end":2063.655,"sentiment":"neutral","sentiment_score":0.22440218925476071}],"sentiment":"neutral","sentiment_score":0.22440218925476071,"channel":0,"num_words":1,"start":2063.415,"end":2063.655},{"sentences":[{"text":"think I've","start":2063.465,"end":2064.125,"sentiment":"neutral","sentiment_score":0.21486324071884155}],"sentiment":"neutral","sentiment_score":0.21486324071884155,"channel":1,"num_words":2,"start":2063.465,"end":2064.125},{"sentences":[{"text":"good?","start":2063.655,"end":2064.155,"sentiment":"neutral","sentiment_score":0.12112754583358765}],"sentiment":"neutral","sentiment_score":0.12112754583358765,"channel":0,"num_words":1,"start":2063.655,"end":2064.155},{"sentences":[{"text":"asked my I've asked my questions for now, but yeah.","start":2064.345,"end":2067.735,"sentiment":"neutral","sentiment_score":0.02520062376279384}],"sentiment":"neutral","sentiment_score":0.02520062376279384,"channel":1,"num_words":10,"start":2064.345,"end":2067.735},{"sentences":[{"text":"That's okay.","start":2068.215,"end":2069.0151,"sentiment":"neutral","sentiment_score":0.2828415781259537},{"text":"I'll send you the email shortly with that bit of information for you, and then you're always welcome to come back and let me know if there's anything else.","start":2069.0151,"end":2075.3552,"sentiment":"neutral","sentiment_score":0.33131730196804837},{"text":"In the meantime, if you do have any questions, let me know, and I'll make sure we do a catch up in about six months there for you.","start":2075.99,"end":2081.5898,"sentiment":"neutral","sentiment_score":0.12945466648255075}],"sentiment":"neutral","sentiment_score":0.23387484025147,"channel":0,"num_words":59,"start":2068.215,"end":2081.5898},{"sentences":[{"text":"Yep.","start":2081.27,"end":2081.77,"sentiment":"neutral","sentiment_score":0.1159445345401764}],"sentiment":"neutral","sentiment_score":0.1159445345401764,"channel":1,"num_words":1,"start":2081.27,"end":2081.77},{"sentences":[{"text":"Okay?","start":2081.5898,"end":2082.0898,"sentiment":"neutral","sentiment_score":0.09438672661781312}],"sentiment":"neutral","sentiment_score":0.09438672661781312,"channel":0,"num_words":1,"start":2081.5898,"end":2082.0898},{"sentences":[{"text":"Yeah.","start":2081.91,"end":2082.41,"sentiment":"neutral","sentiment_score":0.2675507366657257},{"text":"Perfect.","start":2082.55,"end":2082.95,"sentiment":"positive","sentiment_score":0.7106947898864746},{"text":"Thanks, Dana.","start":2082.95,"end":2083.77,"sentiment":"positive","sentiment_score":0.74564328789711}],"sentiment":"positive","sentiment_score":0.6173830255866051,"channel":1,"num_words":4,"start":2081.91,"end":2083.77},{"sentences":[{"text":"Beautiful.","start":2083.67,"end":2084.17,"sentiment":"positive","sentiment_score":0.785315752029419},{"text":"That's okay.","start":2084.3098,"end":2084.95,"sentiment":"positive","sentiment_score":0.638161689043045},{"text":"Thank you so much for your time today, Adrian.","start":2084.95,"end":2086.95,"sentiment":"positive","sentiment_score":0.8418980439503988},{"text":"I really appreciate it.","start":2086.95,"end":2088.41,"sentiment":"positive","sentiment_score":0.8678584545850754}],"sentiment":"positive","sentiment_score":0.8193847090005875,"channel":0,"num_words":16,"start":2083.67,"end":2088.41},{"sentences":[{"text":"Me too.","start":2088.865,"end":2089.345,"sentiment":"positive","sentiment_score":0.6223679780960083},{"text":"Thank you very much.","start":2089.345,"end":2090.485,"sentiment":"positive","sentiment_score":0.7188232243061066}],"sentiment":"positive","sentiment_score":0.6866714755694071,"channel":1,"num_words":6,"start":2088.865,"end":2090.485},{"sentences":[{"text":"No worries.","start":2091.0208,"end":2091.5808,"sentiment":"neutral","sentiment_score":0.2616828382015228},{"text":"I'll talk to you soon.","start":2091.5808,"end":2092.701,"sentiment":"positive","sentiment_score":0.34196929931640624},{"text":"Thank you","start":2092.701,"end":2093.181,"sentiment":"positive","sentiment_score":0.5428974330425262}],"sentiment":"positive","sentiment_score":0.36877855989668107,"channel":0,"num_words":9,"start":2091.0208,"end":2093.181},{"sentences":[{"text":"Alright.","start":2092.945,"end":2093.445,"sentiment":"positive","sentiment_score":0.425123393535614}],"sentiment":"positive","sentiment_score":0.425123393535614,"channel":1,"num_words":1,"start":2092.945,"end":2093.445},{"sentences":[{"text":"for your time.","start":2093.181,"end":2094.0007,"sentiment":"positive","sentiment_score":0.6214381456375122}],"sentiment":"positive","sentiment_score":0.6214381456375122,"channel":0,"num_words":3,"start":2093.181,"end":2094.0007},{"sentences":[{"text":"Thanks.","start":2093.585,"end":2094.085,"sentiment":"positive","sentiment_score":0.5125330686569214},{"text":"Bye.","start":2094.225,"end":2094.725,"sentiment":"neutral","sentiment_score":0.3302098512649536}],"sentiment":"positive","sentiment_score":0.4213714599609375,"channel":1,"num_words":2,"start":2093.585,"end":2094.725},{"sentences":[{"text":"See you later.","start":2094.3809,"end":2095.181,"sentiment":"neutral","sentiment_score":0.3278738260269165},{"text":"Bye.","start":2095.181,"end":2095.681,"sentiment":"neutral","sentiment_score":-0.08958873897790909}],"sentiment":"neutral","sentiment_score":0.2235081847757101,"channel":0,"num_words":4,"start":2094.3809,"end":2095.681}]},"summary":{"result":"success","short":"The Oakey Financial representative, Adrian, discusses the annual review and emphasizes the importance of investing in cybersecurity and finding the right investment for the customer. They also update the system and offer advice on life insurance and retirement savings. The speaker emphasizes the benefits of investing in high growth portfolios and provides information on their research process and education value. They also offer to answer any questions and provide a financial services guide. The conversation ends with the speaker offering to answer any further questions and thanking the customer for their time."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":29,"end_word":49,"intents":[{"intent":"Confirm time for annual review","confidence_score":0.004222871}]},{"text":"We are discussing personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. It's Adrian Christopher as a party. The 1983 and 28 Bruce Road, Glenbrook. Beautiful.","start_word":104,"end_word":142,"intents":[{"intent":"Address personal information","confidence_score":0.025013767}]},{"text":"I've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going Cool. through for you to review. But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon. Yeah.","start_word":297,"end_word":359,"intents":[{"intent":"Request system issues","confidence_score":0.00027159258}]},{"text":"So having a bit of a look at the way things are, and it's quite understandable.","start_word":372,"end_word":387,"intents":[{"intent":"Analyze investment performance","confidence_score":0.109714985}]},{"text":"So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios. And so Yep.","start_word":710,"end_word":751,"intents":[{"intent":"Remove and replace investment","confidence_score":0.0026113102}]},{"text":"We definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well.","start_word":883,"end_word":905,"intents":[{"intent":"Monitor and monitor performance","confidence_score":0.0030502363}]},{"text":"One of the Mhmm. things I wanted to also touch base on is we're give doing a full annual review with you once a year, but we wanted to make sure and update our system to make sure we're doing catch up on a regular basis with you as well.","start_word":906,"end_word":955,"intents":[{"intent":"Maintain system update","confidence_score":0.007794381}]},{"text":"What's your preference moving forward? Probably every six months. Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah. Like I said, it's pretty good. Yeah.","start_word":990,"end_word":1022,"intents":[{"intent":"Adjust plans","confidence_score":0.000018124507}]},{"text":"Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah. Like I said, it's pretty good. Yeah.","start_word":999,"end_word":1022,"intents":[{"intent":"Maintain personal stability","confidence_score":0.000005486952}]},{"text":"But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently.","start_word":1075,"end_word":1095,"intents":[{"intent":"Set up book","confidence_score":0.6464999}]},{"text":"So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to Yeah.","start_word":1118,"end_word":1147,"intents":[{"intent":"Catch up","confidence_score":0.19642298}]},{"text":"the algorithm a bit more consistent for you moving forward. Okay?","start_word":1151,"end_word":1161,"intents":[{"intent":"Confirm consistency","confidence_score":0.010352579}]},{"text":"You've got some physical gold that is showing a great return of up 28% for the year. Physical gold has had a really good run. We did have a bit of a pullback in about February. It dropped by between eleven to 18% for some portfolios in one day, but it has definitely recovered back. And for the year, you're up 28% just in the gold, which is great to see. Yeah.","start_word":1187,"end_word":1258,"intents":[{"intent":"Provide portfolio performance","confidence_score":0.00014134723}]},{"text":"You you do also have some cybersecurity in your portfolio. That is down a little bit for the year. Mhmm.","start_word":1278,"end_word":1297,"intents":[{"intent":"Review cybersecurity","confidence_score":0.099942885}]},{"text":"How does that that sort of trend, the cybersecurity?","start_word":1393,"end_word":1401,"intents":[{"intent":"Discuss cyberneticism trends","confidence_score":0.000027195418}]},{"text":"And then we also look at essentially the the portfolio returns, how they have performed over the past five to ten years, Yep.","start_word":1741,"end_word":1763,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.27310896}]},{"text":"at, Yeah. you know, the way we wanna invest in the future in the market. So, Okay.","start_word":1815,"end_word":1831,"intents":[{"intent":"Discuss investments","confidence_score":0.006528259}]},{"text":"more than happy to provide advice and talk about what your goals are and, you know, update the advice and make recommendations on what product, how much, or how it affects you, and show you how it affects your super as well or out of pocket expenses depending on how you pay for those. Yep.","start_word":2507,"end_word":2561,"intents":[{"intent":"Provide advice","confidence_score":0.35892788},{"intent":"Update advice","confidence_score":0.4381694},{"intent":"Discuss products","confidence_score":0.07094777}]},{"text":"down here your income was about 120,000. Have you been able to get a pay rise since the last quarter up at all? Yeah.","start_word":2745,"end_word":2768,"intents":[{"intent":"Determine salary","confidence_score":0.00015264779}]},{"text":"Have you been able to get a pay rise since the last quarter up at all? Yeah.","start_word":2752,"end_word":2768,"intents":[{"intent":"Acknowledge salary increase","confidence_score":0.00006644042}]},{"text":"With the assets and liabilities I have here, the main primary residence there, the asset value was a million dollars last year.","start_word":2831,"end_word":2852,"intents":[{"intent":"Verify asset value","confidence_score":0.0012346429}]},{"text":"I also had on here last time we sort of spoke, you you guys haven't really set up a will or power of attorney. Is it something you guys have talked about since our last annual review, and have you seen a solicitor and had a will or power of attorney done up at all? No. Not yet.","start_word":3654,"end_word":3711,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.082144916}]},{"text":"We do have I'm not sure if we did last year or not, but we do have access to some solicitors that we do refer clients through too. Did you want me to send you an email after the call just for some information around the solicitor's information, the details on how much they charge to do up a will and power of attorney?","start_word":3715,"end_word":3778,"intents":[{"intent":"Provide information about solicitors","confidence_score":0.018127158}]},{"text":"And I've also got down here your beneficiary nominations on your super. It is set to clear a 100%, and it's binding non lapsing. So you're happy with that nomination as it is? No need to change that at all?","start_word":3849,"end_word":3888,"intents":[{"intent":"Clarify nomination process","confidence_score":0.0012696945}]},{"text":"here that we're sort of tracking over time and is about age 60. Is that still where we're sort of heading goal wise Yes.","start_word":3928,"end_word":3951,"intents":[{"intent":"Track","confidence_score":0.005006878}]},{"text":"Incoming retirement is probably hard to kinda digest at the moment. I did have here $600 a week in retirement. Are you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer Yeah.","start_word":3960,"end_word":4000,"intents":[{"intent":"Describe","confidence_score":0.000067823996}]},{"text":"Incoming retirement is probably hard to kinda digest at the moment. I did have here $600 a week in retirement. Are you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer Yeah. Yeah.","start_word":3960,"end_word":4001,"intents":[{"intent":"Provide","confidence_score":0.0004337507}]},{"text":"I know last year, we sort of made mention that you were just looking to try and pay the mortgage down as much as possible. You've definitely cut quite a chunk off that since then. Are you paying a bit more onto your mortgage than needed? Or Yeah.","start_word":4021,"end_word":4068,"intents":[{"intent":"Pay mortgage","confidence_score":0.5852627}]},{"text":"I'm paying an extra 200 a week plus the the, you know, the repayments the required repayment. So plus an extra Yes. 200, but that's that's what me and my what old me and Claire are looking at doing because she's got quite a big amount of savings. And, yeah, we're just gonna combine it sort of thing and put it all on the mortgage.","start_word":4070,"end_word":4134,"intents":[{"intent":"Consolidate","confidence_score":0.09387527}]},{"text":"And it's in a, like, a redraw. So if we need it, it's there to be to be used Yeah.","start_word":4135,"end_word":4154,"intents":[{"intent":"Redraw","confidence_score":0.12208301}]},{"text":"So it can always be reevaluated at any time for yourself. Okay?","start_word":5254,"end_word":5265,"intents":[{"intent":"Reevaluate investment portfolio and investment","confidence_score":0.000010133401}]},{"text":"this sort of thing that is happening now with the war and stuff, does that create, like, opportunities for, like, for you guys for investing and stuff like that?","start_word":5314,"end_word":5342,"intents":[{"intent":"Discuss investing opportunities","confidence_score":0.13842236}]},{"text":"I can help you with research material on certain things if you're interested or if you just want a bit of, you know, information. Feel free to let me know.","start_word":5872,"end_word":5901,"intents":[{"intent":"Help with research","confidence_score":0.019410854}]},{"text":"how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool. Yeah.","start_word":6287,"end_word":6326,"intents":[{"intent":"Explain investing strategies","confidence_score":0.003272083}]},{"text":"So depending on what you're investing in, when we do it for your super, we utilize platforms and research houses like lawn, sec, and morning staff. They are they're just like a they're research platforms. They cost a lot of money to have every year, so we utilize Okay. those.","start_word":6434,"end_word":6483,"intents":[{"intent":"Analyze investing platforms","confidence_score":0.02320835}]},{"text":"I'll also probably have in there a tax file consent form. We're just updating all of those as well. It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number.","start_word":6893,"end_word":6937,"intents":[{"intent":"Update tax file information","confidence_score":0.069582865}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Adrian. It's Dana from Oakey Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1351078599691391},{"text":"Good. Thank you. How are you going? I'm very well. Thank you. Thanks for asking.","start_word":14,"end_word":28,"sentiment":"positive","sentiment_score":0.5376142263412476},{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you? Yeah. For sure. For sure. Yep.","start_word":29,"end_word":55,"sentiment":"neutral","sentiment_score":0.2114439755678177},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.5857858061790466},{"text":"And before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":57,"end_word":88,"sentiment":"neutral","sentiment_score":0.18289682269096377},{"text":"I'm happy with that. Fantastic.","start_word":89,"end_word":93,"sentiment":"positive","sentiment_score":0.5153343677520752},{"text":"And I'll do some security there with you as well. We are discussing personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. It's Adrian Christopher as a party. The 1983 and 28 Bruce Road, Glenbrook.","start_word":94,"end_word":141,"sentiment":"neutral","sentiment_score":0.11664386093616486},{"text":"Beautiful. Thank you so much for that.","start_word":142,"end_word":148,"sentiment":"positive","sentiment_score":0.5448099374771118},{"text":"Adrian, just wanted to sort of jump into the annual review and go through things with you. Is there any particular you wanted me to touch base on or any questions that you might have for me that you wanted me to address today for you? Probably just the, yeah, just the the, you know, how do you even explain it? Just what's going on with the wars and stuff like that with Yeah. with super and, you know, losses Yep. and all that sort of stuff, I guess. Yeah. Absolutely. Not a problem at all. It's definitely probably something on everyone's mind at the moment. We hear Yeah. a lot about it in the news and the media, so I can completely understand. Look. What I'll do is I'll run through that first step for you if you like. After the call, within the next I'm sorry. I've had some system issues today, but within the next sort of twenty four to forty eight hours, I'll have an annual review pack sent through with all the information that we are going Cool. through for you to review. But just to kinda go through things at the moment just because the system's a little bit not working properly this afternoon. Yeah. I've got I've got your report in front of me here. So having a bit of a look at the way things are, and it's quite understandable. Obviously, the world is showing a little bit of volatility at the moment with what's happening between Iran and The US.","start_word":149,"end_word":407,"sentiment":"neutral","sentiment_score":-0.009671977854200773},{"text":"Obviously, the fuel shortages and the concern around that is having a bit of an impact on Australian equities as well.","start_word":408,"end_word":428,"sentiment":"negative","sentiment_score":-0.3462623655796051},{"text":"And Yep. then here in the home front, we've also had some high inflation, which has been affecting affecting fixed interest in bond markets as well. So your super in particular is actually doing quite well for where we're Oh, at. A lot of wow. the clients Okay.","start_word":429,"end_word":476,"sentiment":"neutral","sentiment_score":-0.0029376670718193054},{"text":"I've spoken to have had some negative results to sort of with the volatility.","start_word":477,"end_word":490,"sentiment":"negative","sentiment_score":-0.36179330945014954},{"text":"But for your super, you're up after fees of 4.27% for the last twelve months.","start_word":491,"end_word":505,"sentiment":"neutral","sentiment_score":0.145850270986557},{"text":"So you're actually coming out showing a positive right now, and that's really good to see.","start_word":506,"end_word":521,"sentiment":"positive","sentiment_score":0.6023826003074646},{"text":"Mhmm. We did also send through an email a couple of weeks back. Do you remember receiving a record of advice in your emails recently at all just with an update to your portfolio? Briefly. Yeah. I briefly remember saying something. Yeah. Yeah.","start_word":522,"end_word":564,"sentiment":"neutral","sentiment_score":0.07792798429727554},{"text":"Beautiful.","start_word":565,"end_word":565,"sentiment":"positive","sentiment_score":0.4665147662162781},{"text":"So one of the reasons you actually got a bit of a positive result here at the moment is that we've also removed some one of the underlying investments from your portfolio and replaced it. It was actually underperforming. So Mhmm. you originally have Benelon Australian Equities in there. That was originally placed in your portfolio as a little bit of an actively managed component. The investment manager's job on in Bennelong was to kinda try and outperform the market, and they were picking and choosing equities to have in their investments to make sure that they were, you know, showing good quality growth.","start_word":566,"end_word":669,"sentiment":"neutral","sentiment_score":0.08449840545654297},{"text":"Unfortunately, in recent weeks and recent months, sorry, Bennelong have had some issues with some of the underlying investments in their in their managed fund, and Okay. it means that that investment as a whole has been underperforming slightly.","start_word":670,"end_word":708,"sentiment":"negative","sentiment_score":-0.3965705931186676},{"text":"So our investment committee met as soon as we came back after the Christmas break, and they wanted to work out what to do to, you know, make sure to get rid of that to remove from Evron's portfolios. And so Yep. as a result, we have removed it as the underperforming investment. And we've actually replaced that with the BetaShares a 200. So it's still giving Okay. you exposure to the Australian equities. It's just that it's more of a passively managed fund, so it's tracking the top 200 companies via the index there.","start_word":709,"end_word":803,"sentiment":"neutral","sentiment_score":-0.02017725259065628},{"text":"It has actually performed very well for the past couple of weeks. It's definitely sort of provided a bit of recovery from the underperformance of Bennelong, and it's definitely, you know, buying in at the right time with the volatility that we have seen has also had a good impact on your sleeper as a whole and has definitely helped with it coming out to a positive result for those twelve months. So, yeah, we Awesome. hope to yeah. We definitely wanna make sure we are looking at that and and watching it over the next couple of months there as well.","start_word":804,"end_word":905,"sentiment":"positive","sentiment_score":0.6175308227539062},{"text":"One of the Mhmm. things I wanted to also touch base on is we're give doing a full annual review with you once a year, but we wanted to make sure and update our system to make sure we're doing catch up on a regular basis with you as well. Did you want us to maybe touch base once every six or three months or to do a bit of a catch up with you, or are you happy just with once a year? What's your preference moving forward? Probably every six months. Like, nothing which is good, but nothing really changes too drastically in my life, which is yeah. Like I said, it's pretty good. Yeah. So, yeah, every six months if you guys have time. Yeah. Absolutely. With this year, another way that the book is set, I know last year was a little bit all over the place. It was a bit of, you know, bit difficult with all everything that was going Yeah. on. But this year, we are sort of wanting to make sure, and I'm setting up the book a little bit differently. So myself and my lovely admin team member, Michelle, so you'll get to know quite well. We'll Mhmm. have it in our calendar. So as soon as that six months rolls around, we'll give you a call and book you in so we can do that catch up with you just to Yeah. make sure Nice. the algorithm a bit more consistent for you moving forward. Okay? Okay.","start_word":906,"end_word":1162,"sentiment":"neutral","sentiment_score":0.0476246198733493},{"text":"Sounds good. Beautiful. So, look, it's great that you've seen a positive result for the year. The other investments within there showing positive results. You've got some physical gold that is showing a great return of up 28% for the year. Physical gold has had a really good run.","start_word":1163,"end_word":1211,"sentiment":"positive","sentiment_score":0.5462509393692017},{"text":"We did have a bit of a pullback in about February. It dropped by between eleven to 18% for some portfolios in one day, but it has definitely recovered back.","start_word":1212,"end_word":1241,"sentiment":"neutral","sentiment_score":0.11452295631170271},{"text":"And for the year, you're up 28% just in the gold, which is great to see.","start_word":1242,"end_word":1257,"sentiment":"positive","sentiment_score":0.4460633993148804},{"text":"Yeah. It did it did sort of skyrocket there for a minute, isn't it? It did. It absolutely did. Yeah. You you do also have some cybersecurity in your portfolio. That is down a little bit for the year. Mhmm. However, it is still a good investment to keep in there. We have sort of reviewed that investment. Unlike then along, the the cybersecurity component is still giving you diversification. It is global, Yep. and we do see that still as an important part of your investment portfolio. So we do expect to come back. So we are just gonna hold on to that one for a bit longer and wait and see. If I find Okay. that there's needs to be any kind of movement there, we'll definitely make sure we let you know. How does that that sort of trend, the cybersecurity? Because I I just recently, like, probably a year ago, I started just dabbling on my phone sort of with, you know, just a small amount of money. But Yeah. yeah. Yeah. Yeah. Just been playing around with that sort of thing. But I have noticed that the the cybersecurity, you know, it all certain ones anyway, not not all of them, but certain ones go up and down, but most of them kinda hold hold where they are. But how do you choose which one, you know what Yeah. I mean, like, Nice. to invest in? Yeah.","start_word":1258,"end_word":1499,"sentiment":"neutral","sentiment_score":0.04393999555633088},{"text":"That's a really good question.","start_word":1500,"end_word":1504,"sentiment":"positive","sentiment_score":0.48647361993789673},{"text":"So there are a lot of them out there. When we are picking and building portfolios for our clients, we wanna make sure that the investments that you're in have been through those big market volatility times. So we do look at investments that have been around for a long time that have gone through volatility like you see with the GFC and with COVID, and they have come back and rebounded so that we know that you're in a portfolio and in investments that can withstand those ups and downs. Okay. Alright. We also, yeah, we also look at what's in what they're invested in, the sorts of areas. We look at the components inside it. So when we're looking at, say, a managed fund, we might be looking at what component is Australian equities, if there's any international equities, any, you know, alternatives that might be in there. And we also consider the defensive side of things, so fixed interest Okay. and cash and bonds as well. Yep. We generally have, like, a set profile that we adhere to. So we look at the growth and defensive assets, making sure you're within a certain range. And then Okay. underlying from there, you've also got set percentages for international equities, Australian equities, fixed interest bonds, cash, and also alternatives. And we try to kinda make sure you're fitting within those ranges for your investment options. And then we also look at essentially the the portfolio returns, how they have performed over the past five to ten years, Yep. obviously, Alright.","start_word":1505,"end_word":1765,"sentiment":"neutral","sentiment_score":0.1676313430070877},{"text":"a longer track record and consistent returns. Whilst it's never a guarantee of future returns, it does show you consistent returns in the past, means it has the ability to do the same in the future.","start_word":1766,"end_word":1801,"sentiment":"positive","sentiment_score":0.36023271083831787},{"text":"Never a guarantee, but the best we can do when we're looking Yeah. at, Yeah. you know, the way we wanna invest in the future in the market. So, Okay. yeah, Yeah. Right. yeah, there's a bit to it. There is. Yeah. Like I said, I'll just scratch the surface and just it's Yeah. it's super interesting too. Yeah.","start_word":1802,"end_word":1860,"sentiment":"neutral","sentiment_score":0.06950123608112335},{"text":"Absolutely. I can see Well, how because you guys get addicted to this sort of thing. it is a lot of fun. It is something that I Yeah. do. I really enjoy doing. I love reading it. We talk about it a lot. We're always watching Yeah. it as well as talking to clients and providing advice and things like that. But it Yep. is really exciting to look at and to learn about. It's something that I enjoyed learning about, and, hopefully, our advisers coming up underneath us will enjoy it just as much. But it is really cool, and I can sort of see why.","start_word":1861,"end_word":1967,"sentiment":"positive","sentiment_score":0.49139824509620667},{"text":"But, look, because you are a client, Yeah. if you find that there is something you're interested in, you wanted some research material, things like that, Okay. we do have access to, like, Morningstar and Lonestack and things like that. So Yep. we can always have a look and see what research material we can obtain for you to provide. If you're interested and want that, you're welcome Okay. to let me know, and Oh, I'm happy great.","start_word":1968,"end_word":2045,"sentiment":"neutral","sentiment_score":0.18012051284313202},{"text":"to Thank go and you.","start_word":2046,"end_word":2050,"sentiment":"positive","sentiment_score":0.4906826913356781},{"text":"do whatever research you might need. And if you did wanna down the track look at maybe building an investment profile very similar to what your portfolio in Netwealth looks like, we can also help and provide advice in those areas for you as well. So, Yeah.","start_word":2051,"end_word":2097,"sentiment":"neutral","sentiment_score":0.2425452172756195},{"text":"Thank you. That's okay. That's not a problem. I will make sure your portfolio report is in that at the end, your review documents for you to have a look at, but it's really good to see that you've come up with a positive return for the year thus far.","start_word":2098,"end_word":2147,"sentiment":"positive","sentiment_score":0.49774977564811707},{"text":"We'll just make sure Yeah. we keep monitoring things for you, and we'll definitely do a catch up in six months to see how things are tracking then for you as well. Okay. Okay.","start_word":2148,"end_word":2181,"sentiment":"neutral","sentiment_score":0.09817594662308692},{"text":"Awesome. Excellent. All good.","start_word":2182,"end_word":2185,"sentiment":"positive","sentiment_score":0.7002547383308411},{"text":"I also just wanted to touch base on the insurance side of things. I know last year, we sort of spoke about you don't have any life, PPD, income protection, no trauma insurances. Are you still comfortable not having any personal insurances? Did you wanna maybe have a deeper conversation or look at what those covers look like or what they are or how they could benefit you? Or Well, at at the moment at the moment, I am. But I've just talked with my wife because we're we're not we're not gonna sort of, you know, reinvent anything, but we're gonna sort of how do you say it? Like, we haven't yet combined a lot of our financial things. So we Okay. we were kinda going through the process of, you know, combining everything and bringing everything Yeah. to one because it's a bit of a mess at the moment. So yeah. Yeah. In Yeah. the We're transition. just being lazy. We've it's only been five, six years since we've been married, but we've we've sort of been a bit lazy about it, Oh, you're Especially still newlyweds. with we yeah. Yeah. Especially with no kids and stuff like that. We sort of just just going along with it, but we're pretty pretty happy in doing things as we're doing with bills and whatnot and the mortgage and Yeah. that. But we thought, well, we better we better do some adulting stuff soon and and, you know, visit the bank and combine everything and all that kind of stuff. So Yeah. and Yep. included in that will be will be health insurances and insurances and all that sort of crap. So all the boring Yeah. stuff. No. Understandable. Absolutely. Well, if you did wanna have a look at things like life, TPD, income protection, trauma cover, those personal types of insurances, feel free to let me know. We're Okay. more than happy to provide advice and talk about what your goals are and, you know, update the advice and make recommendations on what product, how much, or how it affects you, and show you how it affects your super as well or out of pocket expenses depending on how you pay for those. Yep. So it's definitely something we can touch on down the track if you'd like to. Okay. Okay.","start_word":2186,"end_word":2577,"sentiment":"neutral","sentiment_score":0.029374541068563655},{"text":"Awesome. Thank You you. beautiful.","start_word":2578,"end_word":2582,"sentiment":"positive","sentiment_score":0.7229101657867432},{"text":"Not a problem at all. Now I've got down here that your wife is Claire. Is that right? Yes. That's right. Yep.","start_word":2583,"end_word":2604,"sentiment":"neutral","sentiment_score":0.17028500139713287},{"text":"Beautiful. I've got her down as your next of kin there as well, which is fantastic.","start_word":2605,"end_word":2620,"sentiment":"positive","sentiment_score":0.5810235142707825},{"text":"Yep. How has work been for the last twelve months? Has anything sort of changed work wise? Are you still in the same position? Yeah. No. Same position going on twelve years now. So yeah. Wow. Same position. Same everything. Like I said, not much Yeah. changes No. That's in my okay. life, but I kinda like it like that. Yeah. Look. I'm exactly the same. I'm in my forties now, and I'm quite Yeah. happy just to chill, let things day and day go by, enjoy my Yeah. weekend, sort of quiet. That's right. No. I'm Exactly. with you there. You kinda Enjoy get to the that weekend. point. That's it. That's it.","start_word":2621,"end_word":2734,"sentiment":"neutral","sentiment_score":0.051697250455617905},{"text":"I like I've got your thank you.","start_word":2735,"end_word":2741,"sentiment":"positive","sentiment_score":0.3394354283809662},{"text":"I've got style. down here your income was about 120,000. Have you been able to get a pay rise since the last quarter up at all? Yeah. I I think last year was $1.40, but that Yep. was just with a lot of overtime and stuff like that. So, yeah, it might go back down. It still fluctuates between that one twenty, January sort of range, I think. So I won't Yes. know until financial year ends, and that's No. it. Just wherever it ends up. Yep. No. Perfect. With the assets and liabilities I have here, the main primary residence there, the asset value was a million dollars last year. What sort of value would you put on the property at the moment, do you think? Yeah. I think it's about the same. One to 1.1. Yep.","start_word":2742,"end_word":2879,"sentiment":"neutral","sentiment_score":-0.02041910434870616},{"text":"Beautiful.","start_word":2880,"end_word":2880,"sentiment":"positive","sentiment_score":0.4682114124298096},{"text":"And we have here the mortgage was able to be reduced to about 350,000. Have you been able to reduce that a little bit further at all since then? Yeah. I think it's about $3.25, $3.30 now. Yeah.","start_word":2881,"end_word":2918,"sentiment":"neutral","sentiment_score":0.07139017432928085},{"text":"Fantastic. That's a good drop. Excellent. Yeah. Beautiful.","start_word":2919,"end_word":2926,"sentiment":"positive","sentiment_score":0.5613574385643005},{"text":"Tracking pretty I've lost well, I think. yeah. Absolutely. And, look, the other areas of advice and, you know, we do super. We do insurances. We do investments and things. And if you ever wanna cash on budgeting advice and your debt reduction advice and things like that, again, I'm a full licensed adviser.","start_word":2927,"end_word":2980,"sentiment":"neutral","sentiment_score":0.18313343822956085},{"text":"So we're here to help, and we can certainly help you with those areas.","start_word":2981,"end_word":2994,"sentiment":"positive","sentiment_score":0.3497050702571869},{"text":"So you guys are more than welcome to give me a call if you ever wanted, you know, to talk about that reducing your mortgage a bit faster or what that might look like. And we can always Okay. refer you through to our local mortgage broker if you did need to or want to look at refinancing at any point as well. Okay. Okay? Alright. Yeah. Yep.","start_word":2995,"end_word":3062,"sentiment":"neutral","sentiment_score":0.13966183364391327},{"text":"Thank Beautiful.","start_word":3063,"end_word":3064,"sentiment":"positive","sentiment_score":0.486226886510849},{"text":"you. Beautiful. What Are there sorry. assets I Just one yes, question sir. on that. What Sure. what bank do you guys use or is it just whatever's best on the market at the moment? Or So the more no. yeah. For Yeah. the for the mortgage brokers? Yes. Yeah. So they actually use all of them. Essentially, our mortgage brokers, and we have a couple of them, are licensed to both first and second team, like, banks and financial institutions. So they look at all the different options that they're able to access, and Okay. they come up with the best option, the best structure, and to help you meet your goals there. So it's not just Okay. one thing. They're all licensed to to, you know, work with. It's essentially as many as they possibly can. All of them do sort of work with the big four banks, so they also have a lot of second tier credit unions and things like that that can also provide assistance for you. So Okay. Alright.","start_word":3065,"end_word":3239,"sentiment":"neutral","sentiment_score":0.0769509791476386},{"text":"Cool. yeah. All good.","start_word":3240,"end_word":3243,"sentiment":"positive","sentiment_score":0.44148361682891846},{"text":"So the next asset I had here was your four by four Amarok. That was valued at about 35,000. Would you sort of keep that value about the same, or do you think you might change that this year at I'm not looking on changing it, but, yeah, I still all? got that one, but it's probably around the 30 mark now, I'd Yeah. say.","start_word":3244,"end_word":3308,"sentiment":"neutral","sentiment_score":0.01640753448009491},{"text":"Beautiful. Excellent.","start_word":3309,"end_word":3310,"sentiment":"positive","sentiment_score":0.3949591517448426},{"text":"And contents, we had an asset value of about 50,000. Would you still value your contents about the same? Or Yeah. That's about right. yep.","start_word":3311,"end_word":3335,"sentiment":"neutral","sentiment_score":0.06632819026708603},{"text":"Beautiful. Fantastic. Thank you for that.","start_word":3336,"end_word":3341,"sentiment":"positive","sentiment_score":0.6702103614807129},{"text":"That's the only assets that I had noted down. Is there anything else of value you have any you mentioned you've got some shares at the moment as well. I should note those down for you. Yeah. I think oh, last time, I do I check it quite often because I'm What getting a bit yeah. addicted to it. But I think I think there's probably around 19 to 20,000 in there, Yes.","start_word":3342,"end_word":3414,"sentiment":"neutral","sentiment_score":0.0703793317079544},{"text":"something Fantastic. like that. Yeah. Brilliant.","start_word":3415,"end_word":3420,"sentiment":"positive","sentiment_score":0.4159186482429504},{"text":"Excellent. And what do you what do you own? Most of the shares is individual companies or ETFs or? Just how would you say? Just a or a little bit of everything. Actually, I probably got only, like, six or seven, but I got on that that gold train at the beginning of the year. So, yeah, I made a little bit out of that, but, Okay. Nice. you know, got rid of that since then. But just gas and oil and sort of just things like that, just getting in and out of things and just learning about the market Yep. at the moment. So, yeah, nothing Yes. nothing too serious. No. That's okay.","start_word":3421,"end_word":3535,"sentiment":"neutral","sentiment_score":0.03026980720460415},{"text":"It sounds really good. And, look, if you've got about 19 or 20,000, then that's fantastic. It must be doing really well.","start_word":3536,"end_word":3557,"sentiment":"positive","sentiment_score":0.4367234408855438},{"text":"Well, yeah, well, I started with a thousand dollars that I had, like, a lazy thousand that I put on. I go, I'll give it a go. If I lose it, I'll lose it. If, you know, if I go right, then I'll keep playing around.","start_word":3558,"end_word":3603,"sentiment":"neutral","sentiment_score":0.02106403186917305},{"text":"So, yeah, it's a good little pride thing. Yeah. Absolutely. That's fantastic.","start_word":3604,"end_word":3615,"sentiment":"positive","sentiment_score":0.453692615032196},{"text":"Well, I certainly hope it keeps going the same way, and just Yeah. always Me give us too. a call if there's any any help we can give you at all. Okay? For sure.","start_word":3616,"end_word":3649,"sentiment":"neutral","sentiment_score":0.1800999939441681},{"text":"Fan's That's fantastic. good.","start_word":3650,"end_word":3653,"sentiment":"positive","sentiment_score":0.4473362863063812},{"text":"I also had on here last time we sort of spoke, you you guys haven't really set up a will or power of attorney. Is it something you guys have talked about since our last annual review, and have you seen a solicitor and had a will or power of attorney done up at all? No. Not yet. No. That's okay. We do have I'm not sure if we did last year or not, but we do have access to some solicitors that we do refer clients through too. Did you want me to send you an email after the call just for some information around the solicitor's information, the details on how much they charge to do up a will and power of attorney? Just kinda starts the conversation for you. Would you like that at all? You're allowed to say no. It's fine. Yeah. No. That's alright. We've we've got a we've got a solicitor that we, you know, have used in Yep. the past. So, yeah, Yep. when we're ready, we'll sort of go and talk to him about it. But, yeah, it's all Yeah. good thing.","start_word":3654,"end_word":3843,"sentiment":"neutral","sentiment_score":0.029203785583376884},{"text":"Perfect.","start_word":3844,"end_word":3844,"sentiment":"positive","sentiment_score":0.3678500652313232},{"text":"No worries at all. And I've also got down here your beneficiary nominations on your super. It is set to clear a 100%, and it's binding non lapsing. So you're happy with that nomination as it is? No need to change that at all? That's right. Yes.","start_word":3845,"end_word":3891,"sentiment":"neutral","sentiment_score":0.19525183737277985},{"text":"Thank you.","start_word":3892,"end_word":3893,"sentiment":"positive","sentiment_score":0.4408782720565796},{"text":"Yep.","start_word":3894,"end_word":3894,"sentiment":"neutral","sentiment_score":0.28069376945495605},{"text":"Perfect. Excellent.","start_word":3895,"end_word":3896,"sentiment":"positive","sentiment_score":0.5444708466529846},{"text":"That's basically updating majority of your details there. Now you are still quite young. You've got a lot of time ahead of you at the moment. I've Thank got down you. here that we're sort of tracking over time and is about age 60. Is that still where we're sort of heading goal wise Yes. at the moment?","start_word":3897,"end_word":3954,"sentiment":"neutral","sentiment_score":0.09978052973747252},{"text":"Sounds good.","start_word":3955,"end_word":3956,"sentiment":"positive","sentiment_score":0.5139654874801636},{"text":"Yep.","start_word":3957,"end_word":3957,"sentiment":"neutral","sentiment_score":0.33127787709236145},{"text":"Perfect. Perfect.","start_word":3958,"end_word":3959,"sentiment":"positive","sentiment_score":0.6030296087265015},{"text":"Incoming retirement is probably hard to kinda digest at the moment. I did have here $600 a week in retirement. Are you still feeling that's fairly accurate knowing that that will probably change down the track when you get closer Yeah. Yeah. I think that's about to? Yep. right. Yep. Yep.","start_word":3960,"end_word":4010,"sentiment":"neutral","sentiment_score":0.06400301307439804},{"text":"Beautiful.","start_word":4011,"end_word":4011,"sentiment":"positive","sentiment_score":0.6036045551300049},{"text":"Is there any other goals that you might have? I know last year, we sort of made mention that you were just looking to try and pay the mortgage down as much as possible. You've definitely cut quite a chunk off that since then. Are you paying a bit more onto your mortgage than needed? Or Yeah. Yeah. I'm paying an extra 200 a week plus the the, you know, the repayments the required repayment. So plus an extra Yes. 200, but that's that's what me and my what old me and Claire are looking at doing because she's got quite a big amount of savings. And, yeah, we're just gonna combine it sort of thing and put it all on the mortgage. And it's in a, like, a redraw. So if we need it, it's there to be to be used Yeah. just in case we need it. So, Yeah. No. That's yeah, fantastic. just just with what's going on with interest rates. Yeah. We just thought we'd have less of a debt than than we need, I guess. Yeah. Yeah. Absolutely. And one of the big things to sort of look at is when you look at the returns, you can probably get inside investing versus what you're paying on your mortgage. Your mortgage what you're paying in interest is basically a guaranteed return. Whereas K. with the markets and the volatility, it's not necessarily it's not exactly guaranteed the returns you get from shares and from investing. So So if you're taking a lump sum, you're putting that onto your mortgage, you are reducing the amount you have to pay for your minimums. You're you're reducing the amount you're paying for interest as well, Yeah. but Okay. you are essentially saving a guaranteed rate of return, which we've just had a couple of interest rate hikes, and there's there's there may be another one down the track there Yeah. as well. So Mhmm. Okay. definitely not Alright. a bad thing to do at the moment. Yeah. Alright.","start_word":4012,"end_word":4351,"sentiment":"neutral","sentiment_score":0.07547054203117595},{"text":"Thank you.","start_word":4352,"end_word":4353,"sentiment":"positive","sentiment_score":0.4638965129852295},{"text":"That's okay. I know you're in the process of kinda consolidating everything. So either of you or you guys have any other goals that you're looking to sort of achieve in the next twelve months or one to two years, or you're just sort of seeing how things go? Yeah. Just, yeah, basically seeing how things go. But, Yep. hopefully hopefully, we're looking at having kids and stuff like that. So, you know, that Lovely.","start_word":4354,"end_word":4428,"sentiment":"neutral","sentiment_score":0.15581394731998444},{"text":"that's been a been a goal for the last year or two.","start_word":4429,"end_word":4440,"sentiment":"positive","sentiment_score":0.3498065769672394},{"text":"So, Yep. hopefully in the next year. Yeah.","start_word":4441,"end_word":4448,"sentiment":"neutral","sentiment_score":0.18771250545978543},{"text":"Perfect. Well, good luck. I hope it all goes well. Certainly Thank looking you. forward to seeing how things go for you both.","start_word":4449,"end_word":4471,"sentiment":"positive","sentiment_score":0.583034873008728},{"text":"Yeah. And is Thank Claire you. work that's alright. Is Claire working as well? Or Yeah. We both work at the same company. Or yep. Oh, fantastic. Is that where you Yeah. met? Yeah. It is. Yeah. It is. On the on Oh, the night that's shift, lovely. she's in the, like, research and development section of Yeah. of where I work. Yeah.","start_word":4472,"end_word":4534,"sentiment":"neutral","sentiment_score":0.06793490052223206},{"text":"Fantastic.","start_word":4535,"end_word":4535,"sentiment":"positive","sentiment_score":0.4727637469768524},{"text":"No.","start_word":4536,"end_word":4536,"sentiment":"neutral","sentiment_score":0.1994394063949585},{"text":"That's really good to see. That's excellent. Beautiful.","start_word":4537,"end_word":4544,"sentiment":"positive","sentiment_score":0.5865139365196228},{"text":"Well, the only other thing I was wanted to touch base on with you is just doing a bit of a new risk profile questionnaire, just making sure that you are investing correctly in the right profile. We Mhmm.","start_word":4545,"end_word":4583,"sentiment":"neutral","sentiment_score":0.06612706184387207},{"text":"did go through it last year, and you did call high growth, and you were happy to stay in that kind of environment.","start_word":4584,"end_word":4606,"sentiment":"positive","sentiment_score":0.3674470484256744},{"text":"I don't have to go through all the questions unless you really wanna fully assess it, but I just wanna give you a guide on what a high growth portfolio looks like. Generally, about 90% of your sleep is invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And then Yep. the other sort of 10% is invested in defensive to lower risk investments like cash, bonds, and fixed interest.","start_word":4607,"end_word":4687,"sentiment":"neutral","sentiment_score":0.11646700650453568},{"text":"Having a mix of those gives you a good diversified portfolio, and a high growth investor's happy to take on a bit more market volatility.","start_word":4688,"end_word":4712,"sentiment":"positive","sentiment_score":0.3972275257110596},{"text":"You can sort of withstand ups and downs like what we do see at the moment because, Mhmm. you know, you're not gonna be touching your super for the next sort of, you know, fifteen to twenty years depending on when you decide to retire. The high growth environment normally suits someone who's got at least eight years accessing super. You've got double Yep. that at the moment, Okay. so you you don't need to touch it in the next eight years. So it does kinda fit your time horizon for where you are. Yep. And, generally, when we're looking at a high growth environment, we're chasing returns of about eight to 10%. So anything under the 8% is considered underperformance. So whilst Mhmm. this Uber's come out with a positive re per return this year, it has technically underperformed where we'd like it to be.","start_word":4713,"end_word":4858,"sentiment":"neutral","sentiment_score":0.08660072088241577},{"text":"But in the current climate, we're seeing a positive result is still fantastic.","start_word":4859,"end_word":4871,"sentiment":"positive","sentiment_score":0.535382091999054},{"text":"Mhmm. Okay.","start_word":4872,"end_word":4873,"sentiment":"neutral","sentiment_score":0.2822199761867523},{"text":"That's good.","start_word":4874,"end_word":4875,"sentiment":"positive","sentiment_score":0.434490978717804},{"text":"Yeah.","start_word":4876,"end_word":4876,"sentiment":"neutral","sentiment_score":0.3147991895675659},{"text":"Anything over that 10% would normally be considered over performance and is fantastic to see.","start_word":4877,"end_word":4891,"sentiment":"positive","sentiment_score":0.4408210515975952},{"text":"And we do know that what you're looking at is some years that will be lower like what we have at the moment, whereas other years, it will definitely be higher and over that 10%, which is great as well. So you're sort of wanting to go through those ups and downs, have your contributions continuously put into them, dollar cost averaged in. So it's helping you compounding effect and taking advantages of the market ups and downs there. And Okay. with a high growth portfolio, because of the you know, you are taking a bit more risk in the market, we understand and sort of expect the likelihood of a negative return to be about one in every sort of five years. Do you still feel comfortable in that sort of environment? Did you want me to go through the questions and sort of reevaluate No. it That's alright. Yeah.","start_word":4892,"end_word":5042,"sentiment":"neutral","sentiment_score":-0.02282497100532055},{"text":"for I trust what you, you guys are or doing and plus are with the with you the positive happy return to stay in the last twelve there?","start_word":5043,"end_word":5070,"sentiment":"positive","sentiment_score":0.34974271059036255},{"text":"months, yeah, Yeah.","start_word":5071,"end_word":5073,"sentiment":"neutral","sentiment_score":0.13779109716415405},{"text":"I'm pretty happy. Yep. Perfect.","start_word":5074,"end_word":5078,"sentiment":"positive","sentiment_score":0.5034311413764954},{"text":"Not a problem at all. So, I mean, with everything you've gone through with your agent stage and where you're at and the Mhmm. fact that you're contributing to super and is working really well for you, the high growth environment definitely suits where you are. If you find at any point you're not comfortable in that or you wanted to reevaluate it, do let me know. We do an annual review every year, but you're not limited to that. At Okay. any point, if you go, hey. This is a bit uncomfortable. I think I wanna review Yep. it. You just give me a buzz. I'll book you in, and we can talk about what your options are and definitely review that. So, normally, we sort of see Okay. you in a high growth environment up until around about sort of your mid forties to early fifties depending on your comfort level. But at the same time, it's different for everyone in their comfort level and where they're at in their income and whatnot. So it can always be reevaluated at any time for yourself. Okay? Yep.","start_word":5079,"end_word":5266,"sentiment":"neutral","sentiment_score":0.0586698688368531},{"text":"Alright. Great. Fantastic.","start_word":5267,"end_word":5269,"sentiment":"positive","sentiment_score":0.6303170323371887},{"text":"Did you have any questions in relation to anything that we've gone through, or is there anything that you wanted me to touch on that I haven't yet touched on for you? Oh, I'm not is there just one question really. Is, like, Sure. this sort of thing that is happening now with the war and stuff, does that create, like, opportunities for, like, for you guys for investing and stuff like that? Yeah.","start_word":5270,"end_word":5343,"sentiment":"neutral","sentiment_score":0.09072881937026978},{"text":"It absolutely does.","start_word":5344,"end_word":5346,"sentiment":"positive","sentiment_score":0.33595001697540283},{"text":"When we see that the markets are having a bit of a downtime like what we have sort of seen over the past few months, it's definitely more considered a buying opportunity. As Okay. long as the investment that you're invested in is still a quality investment, you don't feel it, you know, should be removed from the portfolio, then we just see it as a buying opportunity. The biggest thing with what we do as financial advisers is you've probably heard the term time in the market beats time in the market. So we try not to be buying and selling in a way that we're day trading the super. Because, realistically, what we wanna do is we wanna stay invested in the market and allow your contributions to keep going in at all the intervals they do. So when they go in, they buy into into Okay. the discounted units when the market's down, or when the market's up, they buy into the same units, and they buy less of those units. So you're sort of taking advantage of the market when it's up and down there. Mhmm. There was a report Vanguard did a while ago, which is really interesting, and they Yes. sort of looked at the comparison of staying in the market through the ups and downs or trying to time the market. And they kind of worked out that if you missed the best and worst trading day by only a few hours or by a few days, you actually, depending on how much you had invested, missed out on between 2,000 to $50,000 over that lifetime. Yeah. So, Wow. yeah, so it's very hard to time the market. It's always difficult.","start_word":5347,"end_word":5634,"sentiment":"neutral","sentiment_score":-0.008427366614341736},{"text":"Most people that try fail nine out of 10 times.","start_word":5635,"end_word":5644,"sentiment":"negative","sentiment_score":-0.4295778274536133},{"text":"Mhmm.","start_word":5645,"end_word":5645,"sentiment":"neutral","sentiment_score":-0.04400469362735748},{"text":"So as advisors, we have more philosophy where staying in the market is participating in the market and taking advantage of those downtimes and keeping your contributions going in provides a greater benefit over the longer term.","start_word":5646,"end_word":5682,"sentiment":"positive","sentiment_score":0.3709505498409271},{"text":"Okay. Alright. That sounds Yeah. alright. Yeah. Yeah. Did that answer your question? Yeah. Yeah. Definitely. Yeah.","start_word":5683,"end_word":5699,"sentiment":"neutral","sentiment_score":0.16368873417377472},{"text":"Yeah. It's good to it's good to get a little bit of an insight.","start_word":5700,"end_word":5713,"sentiment":"positive","sentiment_score":0.5033572316169739},{"text":"Like, Yeah. now that I kind of understand it, like, a little bit, Yeah. yeah, what you're saying, like, when I first like, before I even got involved in it, like, when I would speak to you guys, it would kinda sound a bit, like, you know, like a different language. But A yeah. bit gibberish. Now it makes a lot more sense. Yeah. No. Definitely. Well, if you ever find questions, please let me know.","start_word":5714,"end_word":5789,"sentiment":"neutral","sentiment_score":0.10930482298135756},{"text":"I'm more than happy to do so.","start_word":5790,"end_word":5796,"sentiment":"positive","sentiment_score":0.5314121246337891},{"text":"What I'll do after the call is I'll send you an email there, Adrian, so you do have my direct email as well. If Okay. you find you have any questions at any point, please let me know. My name is Dana.","start_word":5797,"end_word":5838,"sentiment":"neutral","sentiment_score":0.19730500876903537},{"text":"I'm happy to answer any questions you might have.","start_word":5839,"end_word":5847,"sentiment":"positive","sentiment_score":0.43780457973480225},{"text":"It doesn't matter what it is. If it's on your mind and it's important to you, then it's a good question to ask. Okay. I can help you with research material on certain things if you're interested or if you just want a bit of, you know, information. Feel free to let me know.","start_word":5848,"end_word":5901,"sentiment":"neutral","sentiment_score":0.25101640820503235},{"text":"I'm more than happy to help you out and, you know, help with the education value. It's part of my job that I love is educating people on how and why we invest and how it all works because it's not something we ever learned when we were younger, so it's actually Yeah. pretty cool That's to share right.","start_word":5902,"end_word":5960,"sentiment":"positive","sentiment_score":0.4532325267791748},{"text":"that. You don't learn it Yeah. when, yeah, when you're younger or at school or anything like Yeah. that.","start_word":5961,"end_word":5979,"sentiment":"neutral","sentiment_score":0.020461443811655045},{"text":"But, yeah, it's super interesting. Absolutely.","start_word":5980,"end_word":5985,"sentiment":"positive","sentiment_score":0.5738475322723389},{"text":"In the and your review pack that my team will send out over the next couple of days, it'll have your ongoing service agreement for the next twelve months there. Now for our services and for us looking after your sleep, you do pay an ongoing service fee of 1.65% per annum. That Mhmm. is deducted in smaller monthly increments from your sleep, and the idea of the percentage based fee is that fluctuates with the market. So when the market is down, like some of the volatility that we have seen recently, then our fee does sort of take a bit of a dip with it. However, when the market does go up, then our fee takes a bit of a rise with it as well. So the idea is it's linked to the performance if you're suited for that. Okay. Let's I'll see. also make sure that there's I'll pop in a little Vanguard chat for you. It's probably one you've seen before, but it's actually kind of really cool. It sort of shows you over the last thirty years how investing in different markets has reacted. So I'll pop that in there for you. You'll see Okay. it's got a lovely big red heading that says Vanguard. And if you have a look at that and you get a bit confused or you wanna sort of talk it through, let me know.","start_word":5986,"end_word":6220,"sentiment":"neutral","sentiment_score":0.16213203966617584},{"text":"I'm more than happy to give you a bit of a breakdown.","start_word":6221,"end_word":6232,"sentiment":"positive","sentiment_score":0.4234593212604522},{"text":"I'll even probably attach this email this afternoon with a little bit of a breakdown for you so you can kind of have a look at that.","start_word":6233,"end_word":6259,"sentiment":"neutral","sentiment_score":0.2843080759048462},{"text":"But it's a really good guide on how different investments have reacted over the last thirty years and why we invest the way we do and Okay.","start_word":6260,"end_word":6286,"sentiment":"positive","sentiment_score":0.40082332491874695},{"text":"how, you know, $10,000 can generate over thirty years into either a, you know, good couple of $100,000 or only into 50 depending on the level of risk that you're taking in the market there, which is quite cool. Yeah. Right. Okay. Well, I'm not usually one to take any sort of risk. So so whatever I sort of do, yeah, doesn't doesn't add much risk to it. Well, hopefully, anyway, it's only a little bit here, a little bit there. But Yeah. where do you where do you generally get, like, say you you research different companies and stuff like that and what you're investing Yep. in, where do you generally do that research? Where do you get that So information, like, on your part? Because from my part, it's basically yeah. just podcast and and YouTube Yep. channels and stuff like that. But yeah. Yeah. So depending on what you're investing in, when we do it for your super, we utilize platforms and research houses like lawn, sec, and morning staff. They are they're just like a they're research platforms. They cost a lot of money to have every year, so we utilize Okay. those. Yeah. So if there's anything you're interested in, let me know. I can go into those and see if they provide the research for you. Mhmm. In my own sort of world investing outside of Super, I use a lot of the individual company's website. So any any company listed on the ASX or certain exchanges has an investor profile or an investor section on their Okay. website. Yeah. And I go into those sections, and I read all of the media releases. I read all of the individual annual reports and things like that, look at the breakdown of what their numbers are, their earnings, and things Yep. like that. And that kinda gives me an idea of what they're tracking for, how they're being performing, whether they've got a bit of, you know, free cash flow, things like that, Yep.","start_word":6287,"end_word":6625,"sentiment":"neutral","sentiment_score":0.13800241325633011},{"text":"and having a look at what their goals are moving forward, what they're hoping to sort of achieve.","start_word":6626,"end_word":6643,"sentiment":"positive","sentiment_score":0.386521190404892},{"text":"I also then utilize as many news articles as I possibly can written by, you Oh, know, wow. as many as as many different people as possible Yeah. to try and sort of understand, you know, how other people sort of use the company as a whole. So when Yep. I sort of research companies in my own world outside of work, it takes me about a month to do that research Yeah. Okay. on one company to really delve into it. But Yep. throughout here, if you just wanted to, you know, say, hey. You're interested in a certain company. What, you know, what research material can we get? We'll have a look at Lonsac. We'll have a look at Morningstar. We'll have a look at any other analysts that might provide the information, Yeah. and we can always email it through to you so you can have a bit of a raise. That might just give you a bit of a hand. Yeah. Yeah. For sure.","start_word":6644,"end_word":6811,"sentiment":"neutral","sentiment_score":0.09456134068646602},{"text":"Oh, that's cool.","start_word":6812,"end_word":6814,"sentiment":"positive","sentiment_score":0.469181776046753},{"text":"Yeah. You really Yeah. do do your research then.","start_word":6815,"end_word":6823,"sentiment":"neutral","sentiment_score":0.24885496497154236},{"text":"Hey. Absolutely. Oh, that's cool. Perfect. Perfect. Alright.","start_word":6824,"end_word":6831,"sentiment":"positive","sentiment_score":0.6161836981773376},{"text":"The only other thing to make mention is in the annual review pack, you'll also have a financial services guide, which outlines everything about who we are, what we do, how we do it. It has all my licensing information in there for you. As Mhmm. a full licensed adviser, we are registered with Aspic, and my registration number is 1304394. I'll also probably have in there a tax file consent form. We're just updating all of those as well. It just lets you know that because we looked after your super, we've set your super account up that we do hold your tax file number. And with all the security things happening in recent years, we wanna make sure you're aware of the information we hold on you and how and why. So we Yep. are very security conscious in that way. So there'll be a tax file opt in form. And every so often, we also like to update the so the ATO authorities as well. So it's essentially a lost super search. We just get everyone to sign one every couple of years, and we Mhmm. send it off to the ATO and get them to go out there and do a bit of looking to see if there's any lost super or a bit of money sitting aside somewhere Okay. that we can consolidate for you as well. Okay.","start_word":6832,"end_word":7064,"sentiment":"neutral","sentiment_score":0.12708196376526304},{"text":"Alright. Great. Yeah. Beautiful. Correct. All good.","start_word":7065,"end_word":7071,"sentiment":"positive","sentiment_score":0.6033552885055542},{"text":"Is there any questions or anything that I might not have touched on or anything you kinda wanted me to break down a bit further for you? Oh, no. I'm pretty I'm pretty good. I All think I've good? asked my I've asked my questions for now, but yeah. That's okay. I'll send you the email shortly with that bit of information for you, and then you're always welcome to come back and let me know if there's anything else. In the meantime, if you do have any questions, let me know, and I'll make sure we do a catch up in about six months there for you. Yep. Okay? Yeah.","start_word":7072,"end_word":7182,"sentiment":"neutral","sentiment_score":0.18040674924850464},{"text":"Perfect. Thanks, Dana. Beautiful. That's okay. Thank you so much for your time today, Adrian. I really appreciate it. Me too. Thank you very much.","start_word":7183,"end_word":7207,"sentiment":"positive","sentiment_score":0.7615895867347717},{"text":"No worries. I'll talk to you soon.","start_word":7208,"end_word":7214,"sentiment":"neutral","sentiment_score":0.30906322598457336},{"text":"Thank you Alright. for your time. Thanks.","start_word":7215,"end_word":7221,"sentiment":"positive","sentiment_score":0.5320513248443604},{"text":"Bye. See you later. Bye.","start_word":7222,"end_word":7226,"sentiment":"neutral","sentiment_score":0.28325390815734863}],"average":{"sentiment":"neutral","sentiment_score":0.1317693395514483}}}}