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Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? That's great. Now, Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up? No. Yeah. She she did. So one was that you are self employed. You are paying yourself $3.50 a week all through the accounting software. Yeah. Now I did have a look in your Netwealth account just before going on the call, and I actually cannot see any contributions going into Netwealth. The last one yep. Yep. Yeah. Okay. Because, usually, obviously, paying it that way because it's through your super even though it is obviously from the ATO, we would see it distributed into your account. Yeah. And having a look in your account, the last contribution I can see was on the 12/02/2024. Yeah. It was $398.58. Yeah. Yeah. Yeah. No. Typically, it would be distributed as you pay it. Now some softwares and stuff like that, they do it, like, on a quarterly basis. So sometimes you can see it being depending on how what the structure is, but that's typically more so if you have an employer, and then they have to pay it at least every quarter. But, obviously, having a look through all all the statement, there's nothing going in 2024. So definitely go and have a chat to them and see if you can if you can find it. Now what I also included for you that we can do on our end sorry. I have just sent you a document with some documents to go through. Part of that is a form that's called an LSA. So it is called a lost super authority form. What that allows us to do is it lets us start with the ATO. If there is any other super funds out there that potentially this money is going into. And if so, we can find it. I can do research on the account and then make sure to potentially consolidate it so you don't have two funds if that's where the money's going. So I can find that information if you're happy to obviously you know, when when you're happy to find the documents. Once that comes through, I will submit it to the ATO. The ATO, it sometimes takes a little while for for that to come through. Excuse me. But then at least when I do, I can at least see, well, is it going elsewhere or what's happening? Does that make sense? Yep. Okay. Perfect. Now the other thing I can see here as well is that you did have a bit of concern, obviously, with your super and the performance and kind of what's happened in the last twelve months. Okay. Mhmm. Mhmm. Yep. Yeah. We wanna make sure it's Make sure we get you as close. Yeah. Exactly. Now I can have sorry. Pat, did you get that email by any chance there, Troy? Yes. Now it sometimes does go to spam as well. Yeah. If you can access it. If not, I can always run through the info with you, and then you can have a look at it a little bit later. And then if you have any questions, you can let me know. But if you can get it up at the same time, that is also helpful. Yeah. Yeah. Perfect. Now as you see the email, it will there is a link where it will ask you to click on to sign the document. But before I get you to to click on that link, if you scroll down in the email, you should see a couple of attachments at the bottom. Can you see those? Yep. Yes. There are a couple. To make it easier for you, do you wanna let me know which one comes first on your end, and I can go through with it in that order? Yes. Yes. So have you clicked on on the link? Okay. Yep. Yep. So that will be those digital documents. So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file. What's the next one you can see? Yep. Yes, please. If if you don't mind, that'd be great. Yes. Yes. Yes. Yep. Perfect. Yes. There should be another one. What does that one say? Yes. So that is the ongoing service agreement. Now that one there is if you are happy to stay on as a client, it lets us service service your account and everything. Now there is no no. So you don't have to sign yeah. So so don't sign any yeah. Don't sign any of those yet until we have gone through everything. Yep. There should be one more after that one, which is yeah. Yeah. It yeah. The the last one that it gets ask you to sign is the lost super authority form I mentioned That lets us search with the ATO. But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that. No. There should be if you yeah. Even if you can click out of the email altogether, And then when you open the email, so when you first open it, can you scroll at the bottom of the email, and can you see a couple of attachments? Yep. Yes. Yes. Yes. Exactly. So there is a couple there. The O2 financial services guide and then the O2 services guide, I won't get you to open those now. I'll get you to have a read over them in their own time, but that's just our financial services guide. You would have seen this before. It's one of those kind of long compliance documents, but, basically, everything that you need to know about us is in there for you. So the information about the team and our directors and our advisers and everything is in those two documents. So, obviously, when you have a moment, they are quite long. Have a bit of a read over it in your in your own time. That's just for your reference. Now what is the next one you can see? Yes. That is your portfolio. If you can open that one for me. Yep. Now, obviously, if you're looking at your phone, it can be a little bit small. But, essentially, this one here breaks down your portfolio in over the last twelve months. So you can see that the the opening value now this was on the February 24. So two days ago, we prepared these documents. So you can see here that the at that time, your super balance was at actually, let me just go in and get it today for you. Yes. 156,000 166. Now at the above it, you can then see all your investments listed. So you can see all the different investments in the different categories that we have there for you. Yeah. So you can see kind of the cash. You can see alternative investments versus gold. Yes. It is on that summary. It's where that a 156,000 was listed. It's Okay. No. What what can you see right now? Yes? Yes? Mhmm. Okay. Yep. Yeah. Okay. Yes. That is just the summary of your account exactly. So nothing you have to click on that one. It just shows you the balance. Yep. You can you can click on the next one. Yep. Yep. Yep. No. That's okay. Yes. Perfect. Yep. So this one here gives you a breakdown of your investment and your portfolio over the last twelve months. So in this one, you see your different investments, and you also see how they have performed. So you can see on the return column, so that is the second column to the right, you can then see the in the individual investment. So you can see, for example, that gold has been very strong. It's gone up that 566%. Now the one underneath it, I do wanna have a review of because that one is down at the moment, and it has underperformed a bit. That's Yeah. The Benelong, is that the one can you see where there's the Benelong Australian equity? Can you see that one? Yes. Now this one here forms a bit different part of the investments in there for you. So when it was added to your account, when you came on board as a client, it was doing really, really well. Recently, they have underperformed a little bit. I would like to do some research on that investment. Yeah. It's a managed fund. So they yeah. Sorry. So that one is a bit co correct. Yeah. So they use Australian equities. Now how they select the investment is a little bit different to the other ones in that they are what we will call your your active managers. So they their focus is through kind of buying and selling different investments a bit more frequently with trying to outperform the market. So they do all the research and stuff, and they're trying to do the buying and the selling to tryna outperform the market because they they do a bit more. Not really futures. It's more so that they they look at a company. So it's still equity and everything. Yeah. And then kind of analyze whether they think it's going to be a good investment with the the different stocks in the Australian equity. So it is different through, like, the other one where it says, like, the international equities you can see listed underneath it. These investments, they are more what we would call your passive investment. So it's still equity, but these ones have so for example, the bottom one where it says iShares SMP 500. Can you see that one? Yep. So that works a bit differently that they basically track an index. So they don't do that much, you know, the buying and the selling of different investments in that they track an index. So this one here, they follow the the 500 biggest companies listed in The US. So you are kind of in that one single investment invested in those 500 companies. And as, you know, a company gets smaller and a bigger one come, it kind of goes in and out of the index. So, obviously, it's not so much, you know, research and stuff that goes into it. It just kinda follows that index. So that's how they are a bit different to that Benelung at one. Does that make sense? Right? Yep. Right. Perfect. Now with Benelung at the moment, one of their contributing factors to why they are down at the moment and why we want to look at swapping that one out for something that's doing a little bit better is that one of the investments that they had in their portfolio was corporate travel group, and they had a bit of issues with their reporting. And so with that, it caused the the kind of share price. You couldn't trade it anymore, so that's why they kinda went backwards. They didn't report things correctly yet. So we wanna look at obviously, it wasn't Benelung. It was one of the companies that they were invested in, but it still obviously caused the the returns to go down, and they haven't been kind of performing as well as we would have liked. So I would like to ask the call today if you are happy for me to do so, do a bit more research on your investment, especially that Benelon, and trying to see if I can find some other options for you that is going to make your super grow a little bit more, obviously, for your retirement and perform a little bit better. Yep. There are a lot of diff I do both. So I can look at I'll look at a direct similarity, so where they do the same concept. But if that isn't going to do better and you pay more for that service and they're not going to do better, then I might say, let's not do that and let's instead maybe do another index in Australia. So maybe one that is kind of tracking companies in Australia instead. So I will do that research for you and see which option is going to, you know, give that return for you, which I know is important, but then also kind of keeping the fees down, and then, I guess, which one's going to be better for you long term. Yep. Does that that make sense, Troy? Yep. Okay. Now with reviewing your portfolio and your investment, I do also wanna make sure that we are in a portfolio overall that aligns with your time frames and how you feel about it. Because at the moment, we have you invested in a high growth portfolio. Now typically, in a in a high growth portfolio as well, it is obviously designed to kinda maximize that growth as much as possible in the long term, but also seeing, you know, quite a bit of fluctuation in the short term to tryna achieve that long term. Now typically in a high growth portfolio, we also see that the likelihood of a negative return is about one in five years. And also making sure that you have enough time in the market, we do wanna say a minimum of eight years until retirement. So at the moment, do you know when you think you would like to retire or start drawing an income from your super? Ten years? Ten years? That's the max. Okay. Yeah. Ten years max. Okay. Perfect. So what I would like to do is just ask you a couple of questions that is just multiple choice, and that is just so I can kind of gauge a bit more how you feel about fluctuations and stuff like that and if we wanna look at making any changes to the reallocation. So it is just multiple choice. There's no right or wrong answer. It's just whatever you feel is going through, you know, align with you the most. Okay? And if it doesn't make sense, let me know because some can be a bit tricky. Yep. Now, Troy, have you ever bought direct shares yourself on the stock market or anything like that? Okay. Yep. Oh, yep. Yep. Yep. Okay. Perfect. Now the next question here is in regards to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is, you know, costing a little bit more. Now how much of a risk are you willing to take to kind of make sure that you stay on top of the rising prices? Would you say mhmm. Okay. Perfect. Do you quite com Mhmm. Yep. Yep. Yep. Yeah. So you'll be quite quite comfortable for your super to take on a bit of those fluctuations in the short Yeah. Okay. Perfect. Now the next one is in regards to volatility. So how would you feel if in six months after placing an investment, you found out that your portfolio had decreased by 20% due to general trends in the market. So not particularly, like, one investment that's gone bad, just kind of the market as a whole, which obviously quite recently, we have seen bit of fluctuation in the market with everything going over in The US and and everything. And then going back to COVID, we obviously saw a bit of fluctuation during that time. Would you Yes. Correct. Correct. Okay. Perfect. Yep. Perfect. And would you say that, you know, is there on that you would if you had the option to do so, put a little bit more in. So thinking, well, okay. Now is maybe a good time to invest a little bit more if I can, Or would you yep. Yes. Okay. Exactly. Yep. Perfect. Yep. And in in terms of an investment return that you expect to get from your investments over the long term, zero to 2%, two to four, four to six, six to eight, or eight and above? Yeah. Yep. Yep. Yep. No. Perfect. And it is your yes. And it is your money you've worked hard for for retirement. So, of course, that's definitely very important. Perfect. Now the the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yes. Okay. Perfect. Yep. Okay. Perfect. And now, Troy, that tells me here that you have come out as that high growth investor. Are you still comfortable staying in a high growth portfolio? You know, you have the time frame if you're looking about ten years. Are you still comfortable seeing a bit of fluctuations and and stuff in in the short term? Yep. Yep. Mhmm. Okay. Okay. Perfect. So if I look at your investments and I say with your high growth portfolio, which is typically a a ninety ten split, and I'll actually show you if you wanna click on the next attachment for me, it should say 2025 Vanguard index chart. The next one. Yes. It should be the next document. Yes. No. That's okay. Yes. Well, Vanguard, they are very big, and this they always every year they are very big, and they they do they are very, very big, and they do a lot of your your passive ETFs that we can obviously look at with different allocation in portfolios and stuff like that. And they they always they do a lot of research and stuff, which is really good, and they publish these they update these every year. And I like to include this because it kind of makes you see the markets historically as a whole a little bit better, and then also when we're talking about the different asset classes. So this one here, it goes back to 1995. You can kind of see, obviously, all all the ups and downs until 2025. And you can see that the trend in the market, they always go up long term. But short term, you know, depending on what is going on, you will see up and down a market fluctuation. Yeah. Now when we are talking about that high growth allocation, we see 90 of your money invested in the top four here. So you will have US shares, Australian shares, international shares, and then property. Now these are the ones that is going to grow the most, but also fluctuate the most short term. So gold for, yeah, so gold will kind of form part of the alternative asset. They can sometimes be counted towards both components, but it is one that we have in your portfolio at the moment. And kind of like I mentioned, the return on that one has done really well. So we definitely want to keep gold in your portfolio, especially because you have already got quite a bit of growth from it. So we can so the good thing with Netwealth is there's hundreds of different options that we can do. So Netwealth is just a platform. And then in Netwealth, we can choose from hundreds of different investments. So there's a range of Vanguard options. There's a range of different investments across the globe. So if having silver in your portfolio is important to you, I can factor that in. Mhmm. Kind of because they fall in the same, like you said, category. The only thing is as well that if we put too much in gold and, like, let's say, we add silver, that mean you're gonna have less exposure elsewhere. And we also wanna balance that that, you know, let's say we have, like you said, gold's done really well, then maybe other times when the growth equities are doing really well, then we wanna have and gold is not doing too well. We wanna have component of your portfolio that balance it out. So I kind of at all points in time, you have different investments kind of working together because you don't want too many investments acting the same way. Because at some times, they're gonna do amazing, and then other times, everything is not gonna do so good. Does that make sense? Yeah. But I can factor in when I do the research on the investment to see if we can incorporate silver into the portfolio, if that is going to work for things, if it if it is something you would like me to specifically consider. Yep. Yep. Then. Yep. Yep. Okay. Perfect. I'll I'll in fact, I'll do the research on that for you and obviously see the price and everything like that as well. And no. That's okay. Now the last kind of 10% in a high growth portfolio are then your bottom three. So these are your defensive investments. So you can kinda see they have a lot smoother, you know, trajectory, but they don't grow as much. So their function is to try to limit fluctuations on the other investments a little bit and be there kind of, I guess, like, a little bit of the safer investment. So we only have about 10% in these. Are you still comfortable kind of with that split allocation in a high growth portfolio? Mhmm. Yep. Yeah. Because, otherwise, I can look at one step down, which is your growth. So you're still focusing on growing, but you have more of an eighty twenty split. So 80% in the top four, twenty in the bottom. So you will see a bit less of those fluctuations and ups and downs than in a high growth. But longer term, you you can expect returns to be a little bit less. Yep. Perfect. So I'll go and do that. So, obviously, from here with your superannuation, I will go and do that research for you and check your investments to see which one are doing really well, which ones we wanna potentially swap out for other options that's going to ultimately give you the most amount of money into the full retirement. I will also do a bit of an updated projection for you so that you can see it. So I will do even just five and ten years forecasting just to see where things are on track for and how that might change things. And as well, when it comes to the superannuation side of it, when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of around a thousand dollars per week from your superannuation when you retire. Do you still feel like that's achievable? Yep. Okay. Yep. Okay. And I can kind of factor factor that into it as well and do a bit of a calculation for you. And I can also then do a bit of a bit of assessment if currently based on the information we have, whether you would be at the time of 67 eligible for potential age pension or not depending on your situation. So with your personal situation, I do wanna see if there's anything, you know, that's changed for you. So I have you Yeah? Do you want me to run through the different section, or do you wanna tell me the things that's changed? Yep. Yep. Yep. Perfect. Mhmm. Like no. Sorry. When it comes to your personal situation, I have you here down as a single, but you do have a partner. Do you guys don't live together, or has that changed? Yep. And then will you be the then? Or Yep. Yes. Exactly. Yep. Just just living together. Okay. Perfect. Now I do have here as well that you have two sons, but they are not financially dependent. They're a little bit older. Is that correct? Yep. Yep. Perfect. Yeah. Yeah. Yeah. It's it's it's unfortunately very expensive, but that's very nice of you. Now I don't have a next obtained on file for you. So that is just if for some reason we cannot get in touch with you, and you can nominate who whoever you want. Can you spell that for me? Sorry, Troy. Perfect. And last name? Perfect. And relationship? Perfect. And his best contact number? Two nine. Perfect. One six two. Yep. Two five seven. Great. Perfect. Thank you so much. Has anything changed with your occupation? No. Oh, yeah. Nice. What kind of business? In the process. Yeah. Okay. Yep. Perfect. Do you know when you guys are looking to do it, or it just kind of depends on opportunities and whatever comes, you know, your way at the time? Okay. Perfect. Now at the moment, I have here as well that your income is around 150,000. Yep. Perfect. And you are self employed? Yep. Perfect. And how is the the business set up? Is there, like, a sole trader or a company structure? Company. Okay. Yep. Perfect. Correct. Like I kind of mentioned earlier as well, I will once we get those documents signed, if you're happy to do so, that's it. Great. Perfect. That that means I can then send off that lost super authority, like I mentioned, and see if I can find another super fund that potentially that money is going into that $3.50 a week, but then also definitely go in and speak to them and see yeah. Yep. Okay. Yeah. Okay. Yeah. Yeah. Yep. Yep. Yes. Yep. Yes. And if if it is that you do struggle to find one and you want a referral for an accountant as well, just let me know because I can always send you the information of the firm that we work closely with. If it is that you do want do you want me to send you that information, or or do you have yes? Okay. I'll yeah. Yeah. Yes. Yeah. Exactly. Well, what I'll do is I will send you the email anyway, and you have their contact details. Or if you do prefer, I can get them to give you a call. But with if you do stay with ours, if it's easier for you to contact when you're available, I'm happy to yeah. Yeah. No. That's okay. I will just send you the information, and then you can obviously give them a call whenever you do have time. Yep. Now let me see here. Otherwise, I have here expenses about $1,200 a week, and you save roughly about 800 a week. Yeah. So it kind of fluctuates. Yeah. Yep. Yep. Perfect. Now with your assets and your liabilities, I have here you have a a hybrid Kluger, I think, that you were planning on selling. You still have it? Yep. Yeah. That's lovely of you. Yep. Yeah. Yeah. Yep. Perfect. Yeah. Yeah. Oh, perfect. So at the moment, is that valued around the 90,000? Mhmm. Okay. So maybe down to about 60. Yep. And do you have about 16 owing on that one? Roughly. Perfect. Do you also Okay. Yep. Perfect. And do you also have the truck valued at about 20,000? Perfect. You didn't have anything owing on the truck? No. Perfect. I also have here a van valued at about 15. Yep. Perfect. Nothing owing there either? No. Perfect. I also have two motor vehicles, both about 5,000. Perfect. And nothing owing there either? No. Great. I also have here a credit card of about 6,000 and a NAB credit card about 2. Yep. Perfect. Any other new assets or any other liabilities in the last twelve months? No. No. Great. Perfect. When it comes to health and lifestyle, I have you down here as a nonsmoker. That's still the case? Perfect. And have you had any changes to your health at all in the last twelve months Or everything's all good? Yeah. Okay. Perfect. Estate planning wise, I have you here as you have a current will in place? Yeah. And do you have a power of attorney as well, nomination? No. But you don't have anyone who makes, you know, any financial decisions on your behalf at all? No. Perfect. Now anything else that's changed that we haven't gone over? No. Okay. Perfect. And I guess kind of goals that you're working on in the next twelve months, the main focus is obviously doing that super rotation for you, making sure it's doing the best that it can. Potentially, obviously, you and your partner looking at the potential business and then obviously saving to buy that house for your son. Any other goals that you're working through or anything else that you need assistance with? Mhmm. Mhmm. Yep. Yes. Yes. That's correct. Yes. If it's directly tax related, it would be the accountant. But from an investment point of view, for for tax purposes, the the only way that you wouldn't would either be putting some in superannuation, but then you don't pay it. Or if no. You can make lump sums into superannuation as well, but there are restrictions on how much you could put in and also if you wanted before or after tax. But there is definitely that you can put some into superannuation for sure. And you can also look at investment bond. That would be if you are looking from an investment that is tax effective and you don't pay that personal it doesn't get added to your taxable income, then in that no. It's it's very different. It's it is they call it investment bonds, but it's still that's just kind of how it's held in that environment. You can still with within it, so it's not a bond per se that it's just kind of the name convention of it. You can still yeah. You can invest. You can invest in Vanguard, for example. You can invest in different equities and stuff like that within it. It's just kind of how yes. Yes. Yes and no. So that depending on which company, which bond you would go with, there are different goals. But some of the the biggest ones that we do tend to look at in these instances, they are that you can put it in and you can technically take it out tomorrow. It's not with superannuation where it gets locked in to retirement. You can put it in, and you can take it out whenever you want to. The the tricky part is to make it tax effective. So there are time constraints of how long you need to keep it in the bond to get those tax concessions. And, typically, that's about ten years. So it's kind of locking it in for ten years because if you take it out after ten years, it doesn't form palm of the taxable income, and you also don't pay any capital gains tax personally. So it is quite tax effective if that's what you are kind of looking for, but we do typically say that ten year time frame to to get those concessions. Because if you take it out before that time frame, it would just kind of pay like your normal investments. You would still have to pay the tax on that. What will you earn on the investment? It would depend on the the which one of the investments you choose because there's there's a range of different investment you can choose from. So it depends yeah. So you can go into it's kind of the same thing. So you can go in and do Vanguard, and you can have it within the bond. It depends on which because Vanguard have a range of different products. So the return depend on which one, which risk allocation and stuff like that. But if it is something you are either wanting to look at now or a bit later once we sort out your super, it is something we can help you with. So if it is that you go to me because it also depends on how much you are wanting to put in. But if you go, you know what? I have 10,000 or 20,000 or 50, whatever it might be, and you go, you know what? I would like to see what this looks like. Then I can go and do the research for you and put together a a strategy and show you what it would look like. And yeah. So it's definitely something we can look at as part of, you know, the research and everything for you, Whether that is something you would like to kind of explore further now or whether you wanna focus on your super and do those reviews and investments, and then we can maybe revisit the other investments either when you are ready or in six months or our next annual review whenever you would like, we can do that as well. Yes. You can you can contact me whenever. You can call me tomorrow or in a month or in six months or whenever you wanna look at it. You can just call and say that you would like an appointment to talk about investment options, and then we can definitely explore that further. Yeah. Or you can even respond to the email when we send you the account and information. You can just say, hey. Can I book an appointment to talk about investment? And then we can do it as well. Yeah. So I'll add a little note to say that it might be something we wanna explore down the track as well. Yeah. Now the last question I had here, Troy, was in regards to your beneficiary nomination. So that is if something were to happen to you, who you want to nominate for your superannuation? Because at the moment, we don't have anyone, Declan. Yep. Now to to make the nomination, because you are making a legal nomination, you have to sign the form and get out to witness it. So it can be any anyone as long as not the person you are nominating. Yep. Two people. Yep. Now do you have access to a printer, or would you like us to express post the form to you? You do? Okay. So what I'll get the team to do is they'll email you the form for Netwealth for your super. There is a cover letter as well because there's different type of nominations that you can make. Have a read through it. If you have any questions or you're not sure, you can always give me a call and we can talk through it. Otherwise, complete that, send it back to us, and then I will get that uploaded to Netwealth to make sure that if something happens, it goes to him. Yep. Now, Troy, do you have any other questions for me, or is there anything else that you need at at this point? No. Okay. Perfect. So I'll refresh and see if those documents if that all came through signed okay, I will get that uploaded through Netwealth. But, you know, as with anything, it is not a lock in contract. So at any point in time, you are not happy with the service. If there is no lock in contract, the signing those documents just allows us to at least service your account in the meantime and do all of this for you. And, yeah, definitely then speak through the the people with the the superannuation as well to see where those contributions are. And as soon as I find out from the ATO, I will also let you know. But, otherwise, I will do this research on your account. Now it might take a couple of weeks for me to put everything together. Perfect. As soon as I have it, though, Troy, I will give you a call, and I will run through the changes. And then you can let me know what what you think. Yep. No problem at all. I hope you have a lovely rest of your day, and I look forward to speaking with you soon again. Thanks, Troy. 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morning. Is this Troy? This is Veronica from Oakview Financial. How are you this morning? That's good.\n\nI had you booked in to complete your annual review. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you.\n\nYeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect.\n\nThat's exactly what I have here. And how's your day been so far? Been busy? That's great. Now, Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up?\n\nNo. Yeah. She she did. So one was that you are self employed. You are paying yourself $3.50 a week all through the accounting software.\n\nYeah. Now I did have a look in your Netwealth account just before going on the call, and I actually cannot see any contributions going into Netwealth. The last one yep. Yep. Yeah.\n\nOkay. Because, usually, obviously, paying it that way because it's through your super even though it is obviously from the ATO, we would see it distributed into your account. Yeah. And having a look in your account, the last contribution I can see was on the 12/02/2024. Yeah.\n\nIt was $398.58. Yeah. Yeah. Yeah. No.\n\nTypically, it would be distributed as you pay it. Now some softwares and stuff like that, they do it, like, on a quarterly basis. So sometimes you can see it being depending on how what the structure is, but that's typically more so if you have an employer, and then they have to pay it at least every quarter. But, obviously, having a look through all all the statement, there's nothing going in 2024. So definitely go and have a chat to them and see if you can if you can find it.\n\nNow what I also included for you that we can do on our end sorry. I have just sent you a document with some documents to go through. Part of that is a form that's called an LSA. So it is called a lost super authority form. What that allows us to do is it lets us start with the ATO.\n\nIf there is any other super funds out there that potentially this money is going into. And if so, we can find it. I can do research on the account and then make sure to potentially consolidate it so you don't have two funds if that's where the money's going. So I can find that information if you're happy to obviously you know, when when you're happy to find the documents. Once that comes through, I will submit it to the ATO.\n\nThe ATO, it sometimes takes a little while for for that to come through. Excuse me. But then at least when I do, I can at least see, well, is it going elsewhere or what's happening? Does that make sense? Yep.\n\nOkay. Perfect. Now the other thing I can see here as well is that you did have a bit of concern, obviously, with your super and the performance and kind of what's happened in the last twelve months. Okay. Mhmm.\n\nMhmm. Yep. Yeah. We wanna make sure it's Make sure we get you as close. Yeah.\n\nExactly. Now I can have sorry. Pat, did you get that email by any chance there, Troy? Yes. Now it sometimes does go to spam as well.\n\nYeah. If you can access it. If not, I can always run through the info with you, and then you can have a look at it a little bit later. And then if you have any questions, you can let me know. But if you can get it up at the same time, that is also helpful.\n\nYeah. Yeah. Perfect. Now as you see the email, it will there is a link where it will ask you to click on to sign the document. But before I get you to to click on that link, if you scroll down in the email, you should see a couple of attachments at the bottom.\n\nCan you see those? Yep. Yes. There are a couple. To make it easier for you, do you wanna let me know which one comes first on your end, and I can go through with it in that order?\n\nYes. Yes. So have you clicked on on the link? Okay. Yep.\n\nYep. So that will be those digital documents. So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file. What's the next one you can see? Yep.\n\nYes, please. If if you don't mind, that'd be great. Yes. Yes. Yes.\n\nYep. Perfect. Yes. There should be another one. What does that one say?\n\nYes. So that is the ongoing service agreement. Now that one there is if you are happy to stay on as a client, it lets us service service your account and everything. Now there is no no. So you don't have to sign yeah.\n\nSo so don't sign any yeah. Don't sign any of those yet until we have gone through everything. Yep. There should be one more after that one, which is yeah. Yeah.\n\nIt yeah. The the last one that it gets ask you to sign is the lost super authority form I mentioned That lets us search with the ATO. But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that. No. There should be if you yeah.\n\nEven if you can click out of the email altogether, And then when you open the email, so when you first open it, can you scroll at the bottom of the email, and can you see a couple of attachments? Yep. Yes. Yes. Yes.\n\nExactly. So there is a couple there. The O2 financial services guide and then the O2 services guide, I won't get you to open those now. I'll get you to have a read over them in their own time, but that's just our financial services guide. You would have seen this before.\n\nIt's one of those kind of long compliance documents, but, basically, everything that you need to know about us is in there for you. So the information about the team and our directors and our advisers and everything is in those two documents. So, obviously, when you have a moment, they are quite long. Have a bit of a read over it in your in your own time. That's just for your reference.\n\nNow what is the next one you can see? Yes. That is your portfolio. If you can open that one for me. Yep.\n\nNow, obviously, if you're looking at your phone, it can be a little bit small. But, essentially, this one here breaks down your portfolio in over the last twelve months. So you can see that the the opening value now this was on the February 24. So two days ago, we prepared these documents. So you can see here that the at that time, your super balance was at actually, let me just go in and get it today for you.\n\nYes. 156,000 166. Now at the above it, you can then see all your investments listed. So you can see all the different investments in the different categories that we have there for you. Yeah.\n\nSo you can see kind of the cash. You can see alternative investments versus gold. Yes. It is on that summary. It's where that a 156,000 was listed.\n\nIt's Okay. No. What what can you see right now? Yes? Yes?\n\nMhmm. Okay. Yep. Yeah. Okay.\n\nYes. That is just the summary of your account exactly. So nothing you have to click on that one. It just shows you the balance. Yep.\n\nYou can you can click on the next one. Yep. Yep. Yep. No.\n\nThat's okay. Yes. Perfect. Yep. So this one here gives you a breakdown of your investment and your portfolio over the last twelve months.\n\nSo in this one, you see your different investments, and you also see how they have performed. So you can see on the return column, so that is the second column to the right, you can then see the in the individual investment. So you can see, for example, that gold has been very strong. It's gone up that 566%. Now the one underneath it, I do wanna have a review of because that one is down at the moment, and it has underperformed a bit.\n\nThat's Yeah. The Benelong, is that the one can you see where there's the Benelong Australian equity? Can you see that one? Yes. Now this one here forms a bit different part of the investments in there for you.\n\nSo when it was added to your account, when you came on board as a client, it was doing really, really well. Recently, they have underperformed a little bit. I would like to do some research on that investment. Yeah. It's a managed fund.\n\nSo they yeah. Sorry. So that one is a bit co correct. Yeah. So they use Australian equities.\n\nNow how they select the investment is a little bit different to the other ones in that they are what we will call your your active managers. So they their focus is through kind of buying and selling different investments a bit more frequently with trying to outperform the market. So they do all the research and stuff, and they're trying to do the buying and the selling to tryna outperform the market because they they do a bit more. Not really futures. It's more so that they they look at a company.\n\nSo it's still equity and everything. Yeah. And then kind of analyze whether they think it's going to be a good investment with the the different stocks in the Australian equity. So it is different through, like, the other one where it says, like, the international equities you can see listed underneath it. These investments, they are more what we would call your passive investment.\n\nSo it's still equity, but these ones have so for example, the bottom one where it says iShares SMP 500. Can you see that one? Yep. So that works a bit differently that they basically track an index. So they don't do that much, you know, the buying and the selling of different investments in that they track an index.\n\nSo this one here, they follow the the 500 biggest companies listed in The US. So you are kind of in that one single investment invested in those 500 companies. And as, you know, a company gets smaller and a bigger one come, it kind of goes in and out of the index. So, obviously, it's not so much, you know, research and stuff that goes into it. It just kinda follows that index.\n\nSo that's how they are a bit different to that Benelung at one. Does that make sense? Right? Yep. Right.\n\nPerfect. Now with Benelung at the moment, one of their contributing factors to why they are down at the moment and why we want to look at swapping that one out for something that's doing a little bit better is that one of the investments that they had in their portfolio was corporate travel group, and they had a bit of issues with their reporting. And so with that, it caused the the kind of share price. You couldn't trade it anymore, so that's why they kinda went backwards. They didn't report things correctly yet.\n\nSo we wanna look at obviously, it wasn't Benelung. It was one of the companies that they were invested in, but it still obviously caused the the returns to go down, and they haven't been kind of performing as well as we would have liked. So I would like to ask the call today if you are happy for me to do so, do a bit more research on your investment, especially that Benelon, and trying to see if I can find some other options for you that is going to make your super grow a little bit more, obviously, for your retirement and perform a little bit better. Yep. There are a lot of diff I do both.\n\nSo I can look at I'll look at a direct similarity, so where they do the same concept. But if that isn't going to do better and you pay more for that service and they're not going to do better, then I might say, let's not do that and let's instead maybe do another index in Australia. So maybe one that is kind of tracking companies in Australia instead. So I will do that research for you and see which option is going to, you know, give that return for you, which I know is important, but then also kind of keeping the fees down, and then, I guess, which one's going to be better for you long term. Yep.\n\nDoes that that make sense, Troy? Yep. Okay. Now with reviewing your portfolio and your investment, I do also wanna make sure that we are in a portfolio overall that aligns with your time frames and how you feel about it. Because at the moment, we have you invested in a high growth portfolio.\n\nNow typically, in a in a high growth portfolio as well, it is obviously designed to kinda maximize that growth as much as possible in the long term, but also seeing, you know, quite a bit of fluctuation in the short term to tryna achieve that long term. Now typically in a high growth portfolio, we also see that the likelihood of a negative return is about one in five years. And also making sure that you have enough time in the market, we do wanna say a minimum of eight years until retirement. So at the moment, do you know when you think you would like to retire or start drawing an income from your super? Ten years?\n\nTen years? That's the max. Okay. Yeah. Ten years max.\n\nOkay. Perfect. So what I would like to do is just ask you a couple of questions that is just multiple choice, and that is just so I can kind of gauge a bit more how you feel about fluctuations and stuff like that and if we wanna look at making any changes to the reallocation. So it is just multiple choice. There's no right or wrong answer.\n\nIt's just whatever you feel is going through, you know, align with you the most. Okay? And if it doesn't make sense, let me know because some can be a bit tricky. Yep. Now, Troy, have you ever bought direct shares yourself on the stock market or anything like that?\n\nOkay. Yep. Oh, yep. Yep. Yep.\n\nOkay. Perfect. Now the next question here is in regards to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is, you know, costing a little bit more. Now how much of a risk are you willing to take to kind of make sure that you stay on top of the rising prices?\n\nWould you say mhmm. Okay. Perfect. Do you quite com Mhmm. Yep.\n\nYep. Yep. Yeah. So you'll be quite quite comfortable for your super to take on a bit of those fluctuations in the short Yeah. Okay.\n\nPerfect. Now the next one is in regards to volatility. So how would you feel if in six months after placing an investment, you found out that your portfolio had decreased by 20% due to general trends in the market. So not particularly, like, one investment that's gone bad, just kind of the market as a whole, which obviously quite recently, we have seen bit of fluctuation in the market with everything going over in The US and and everything. And then going back to COVID, we obviously saw a bit of fluctuation during that time.\n\nWould you Yes. Correct. Correct. Okay. Perfect.\n\nYep. Perfect. And would you say that, you know, is there on that you would if you had the option to do so, put a little bit more in. So thinking, well, okay. Now is maybe a good time to invest a little bit more if I can, Or would you yep.\n\nYes. Okay. Exactly. Yep. Perfect.\n\nYep. And in in terms of an investment return that you expect to get from your investments over the long term, zero to 2%, two to four, four to six, six to eight, or eight and above? Yeah. Yep. Yep.\n\nYep. No. Perfect. And it is your yes. And it is your money you've worked hard for for retirement.\n\nSo, of course, that's definitely very important. Perfect. Now the the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yes.\n\nOkay. Perfect. Yep. Okay. Perfect.\n\nAnd now, Troy, that tells me here that you have come out as that high growth investor. Are you still comfortable staying in a high growth portfolio? You know, you have the time frame if you're looking about ten years. Are you still comfortable seeing a bit of fluctuations and and stuff in in the short term? Yep.\n\nYep. Mhmm. Okay. Okay. Perfect.\n\nSo if I look at your investments and I say with your high growth portfolio, which is typically a a ninety ten split, and I'll actually show you if you wanna click on the next attachment for me, it should say 2025 Vanguard index chart. The next one. Yes. It should be the next document. Yes.\n\nNo. That's okay. Yes. Well, Vanguard, they are very big, and this they always every year they are very big, and they they do they are very, very big, and they do a lot of your your passive ETFs that we can obviously look at with different allocation in portfolios and stuff like that. And they they always they do a lot of research and stuff, which is really good, and they publish these they update these every year.\n\nAnd I like to include this because it kind of makes you see the markets historically as a whole a little bit better, and then also when we're talking about the different asset classes. So this one here, it goes back to 1995. You can kind of see, obviously, all all the ups and downs until 2025. And you can see that the trend in the market, they always go up long term. But short term, you know, depending on what is going on, you will see up and down a market fluctuation.\n\nYeah. Now when we are talking about that high growth allocation, we see 90 of your money invested in the top four here. So you will have US shares, Australian shares, international shares, and then property. Now these are the ones that is going to grow the most, but also fluctuate the most short term. So gold for, yeah, so gold will kind of form part of the alternative asset.\n\nThey can sometimes be counted towards both components, but it is one that we have in your portfolio at the moment. And kind of like I mentioned, the return on that one has done really well. So we definitely want to keep gold in your portfolio, especially because you have already got quite a bit of growth from it. So we can so the good thing with Netwealth is there's hundreds of different options that we can do. So Netwealth is just a platform.\n\nAnd then in Netwealth, we can choose from hundreds of different investments. So there's a range of Vanguard options. There's a range of different investments across the globe. So if having silver in your portfolio is important to you, I can factor that in. Mhmm.\n\nKind of because they fall in the same, like you said, category. The only thing is as well that if we put too much in gold and, like, let's say, we add silver, that mean you're gonna have less exposure elsewhere. And we also wanna balance that that, you know, let's say we have, like you said, gold's done really well, then maybe other times when the growth equities are doing really well, then we wanna have and gold is not doing too well. We wanna have component of your portfolio that balance it out. So I kind of at all points in time, you have different investments kind of working together because you don't want too many investments acting the same way.\n\nBecause at some times, they're gonna do amazing, and then other times, everything is not gonna do so good. Does that make sense? Yeah. But I can factor in when I do the research on the investment to see if we can incorporate silver into the portfolio, if that is going to work for things, if it if it is something you would like me to specifically consider. Yep.\n\nYep. Then. Yep. Yep. Okay.\n\nPerfect. I'll I'll in fact, I'll do the research on that for you and obviously see the price and everything like that as well. And no. That's okay. Now the last kind of 10% in a high growth portfolio are then your bottom three.\n\nSo these are your defensive investments. So you can kinda see they have a lot smoother, you know, trajectory, but they don't grow as much. So their function is to try to limit fluctuations on the other investments a little bit and be there kind of, I guess, like, a little bit of the safer investment. So we only have about 10% in these. Are you still comfortable kind of with that split allocation in a high growth portfolio?\n\nMhmm. Yep. Yeah. Because, otherwise, I can look at one step down, which is your growth. So you're still focusing on growing, but you have more of an eighty twenty split.\n\nSo 80% in the top four, twenty in the bottom. So you will see a bit less of those fluctuations and ups and downs than in a high growth. But longer term, you you can expect returns to be a little bit less. Yep. Perfect.\n\nSo I'll go and do that. So, obviously, from here with your superannuation, I will go and do that research for you and check your investments to see which one are doing really well, which ones we wanna potentially swap out for other options that's going to ultimately give you the most amount of money into the full retirement. I will also do a bit of an updated projection for you so that you can see it. So I will do even just five and ten years forecasting just to see where things are on track for and how that might change things. And as well, when it comes to the superannuation side of it, when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of around a thousand dollars per week from your superannuation when you retire.\n\nDo you still feel like that's achievable? Yep. Okay. Yep. Okay.\n\nAnd I can kind of factor factor that into it as well and do a bit of a calculation for you. And I can also then do a bit of a bit of assessment if currently based on the information we have, whether you would be at the time of 67 eligible for potential age pension or not depending on your situation. So with your personal situation, I do wanna see if there's anything, you know, that's changed for you. So I have you Yeah? Do you want me to run through the different section, or do you wanna tell me the things that's changed?\n\nYep. Yep. Yep. Perfect. Mhmm.\n\nLike no. Sorry. When it comes to your personal situation, I have you here down as a single, but you do have a partner. Do you guys don't live together, or has that changed? Yep.\n\nAnd then will you be the then? Or Yep. Yes. Exactly. Yep.\n\nJust just living together. Okay. Perfect. Now I do have here as well that you have two sons, but they are not financially dependent. They're a little bit older.\n\nIs that correct? Yep. Yep. Perfect. Yeah.\n\nYeah. Yeah. It's it's it's unfortunately very expensive, but that's very nice of you. Now I don't have a next obtained on file for you. So that is just if for some reason we cannot get in touch with you, and you can nominate who whoever you want.\n\nCan you spell that for me? Sorry, Troy. Perfect. And last name? Perfect.\n\nAnd relationship? Perfect. And his best contact number? Two nine. Perfect.\n\nOne six two. Yep. Two five seven. Great. Perfect.\n\nThank you so much. Has anything changed with your occupation? No. Oh, yeah. Nice.\n\nWhat kind of business? In the process. Yeah. Okay. Yep.\n\nPerfect. Do you know when you guys are looking to do it, or it just kind of depends on opportunities and whatever comes, you know, your way at the time? Okay. Perfect. Now at the moment, I have here as well that your income is around 150,000.\n\nYep. Perfect. And you are self employed? Yep. Perfect.\n\nAnd how is the the business set up? Is there, like, a sole trader or a company structure? Company. Okay. Yep.\n\nPerfect. Correct. Like I kind of mentioned earlier as well, I will once we get those documents signed, if you're happy to do so, that's it. Great. Perfect.\n\nThat that means I can then send off that lost super authority, like I mentioned, and see if I can find another super fund that potentially that money is going into that $3.50 a week, but then also definitely go in and speak to them and see yeah. Yep. Okay. Yeah. Okay.\n\nYeah. Yeah. Yep. Yep. Yes.\n\nYep. Yes. And if if it is that you do struggle to find one and you want a referral for an accountant as well, just let me know because I can always send you the information of the firm that we work closely with. If it is that you do want do you want me to send you that information, or or do you have yes? Okay.\n\nI'll yeah. Yeah. Yes. Yeah. Exactly.\n\nWell, what I'll do is I will send you the email anyway, and you have their contact details. Or if you do prefer, I can get them to give you a call. But with if you do stay with ours, if it's easier for you to contact when you're available, I'm happy to yeah. Yeah. No.\n\nThat's okay. I will just send you the information, and then you can obviously give them a call whenever you do have time. Yep. Now let me see here. Otherwise, I have here expenses about $1,200 a week, and you save roughly about 800 a week.\n\nYeah. So it kind of fluctuates. Yeah. Yep. Yep.\n\nPerfect. Now with your assets and your liabilities, I have here you have a a hybrid Kluger, I think, that you were planning on selling. You still have it? Yep. Yeah.\n\nThat's lovely of you. Yep. Yeah. Yeah. Yep.\n\nPerfect. Yeah. Yeah. Oh, perfect. So at the moment, is that valued around the 90,000?\n\nMhmm. Okay. So maybe down to about 60. Yep. And do you have about 16 owing on that one?\n\nRoughly. Perfect. Do you also Okay. Yep. Perfect.\n\nAnd do you also have the truck valued at about 20,000? Perfect. You didn't have anything owing on the truck? No. Perfect.\n\nI also have here a van valued at about 15. Yep. Perfect. Nothing owing there either? No.\n\nPerfect. I also have two motor vehicles, both about 5,000. Perfect. And nothing owing there either? No.\n\nGreat. I also have here a credit card of about 6,000 and a NAB credit card about 2. Yep. Perfect. Any other new assets or any other liabilities in the last twelve months?\n\nNo. No. Great. Perfect. When it comes to health and lifestyle, I have you down here as a nonsmoker.\n\nThat's still the case? Perfect. And have you had any changes to your health at all in the last twelve months Or everything's all good? Yeah. Okay.\n\nPerfect. Estate planning wise, I have you here as you have a current will in place? Yeah. And do you have a power of attorney as well, nomination? No.\n\nBut you don't have anyone who makes, you know, any financial decisions on your behalf at all? No. Perfect. Now anything else that's changed that we haven't gone over? No.\n\nOkay. Perfect. And I guess kind of goals that you're working on in the next twelve months, the main focus is obviously doing that super rotation for you, making sure it's doing the best that it can. Potentially, obviously, you and your partner looking at the potential business and then obviously saving to buy that house for your son. Any other goals that you're working through or anything else that you need assistance with?\n\nMhmm. Mhmm. Yep. Yes. Yes.\n\nThat's correct. Yes. If it's directly tax related, it would be the accountant. But from an investment point of view, for for tax purposes, the the only way that you wouldn't would either be putting some in superannuation, but then you don't pay it. Or if no.\n\nYou can make lump sums into superannuation as well, but there are restrictions on how much you could put in and also if you wanted before or after tax. But there is definitely that you can put some into superannuation for sure. And you can also look at investment bond. That would be if you are looking from an investment that is tax effective and you don't pay that personal it doesn't get added to your taxable income, then in that no. It's it's very different.\n\nIt's it is they call it investment bonds, but it's still that's just kind of how it's held in that environment. You can still with within it, so it's not a bond per se that it's just kind of the name convention of it. You can still yeah. You can invest. You can invest in Vanguard, for example.\n\nYou can invest in different equities and stuff like that within it. It's just kind of how yes. Yes. Yes and no. So that depending on which company, which bond you would go with, there are different goals.\n\nBut some of the the biggest ones that we do tend to look at in these instances, they are that you can put it in and you can technically take it out tomorrow. It's not with superannuation where it gets locked in to retirement. You can put it in, and you can take it out whenever you want to. The the tricky part is to make it tax effective. So there are time constraints of how long you need to keep it in the bond to get those tax concessions.\n\nAnd, typically, that's about ten years. So it's kind of locking it in for ten years because if you take it out after ten years, it doesn't form palm of the taxable income, and you also don't pay any capital gains tax personally. So it is quite tax effective if that's what you are kind of looking for, but we do typically say that ten year time frame to to get those concessions. Because if you take it out before that time frame, it would just kind of pay like your normal investments. You would still have to pay the tax on that.\n\nWhat will you earn on the investment? It would depend on the the which one of the investments you choose because there's there's a range of different investment you can choose from. So it depends yeah. So you can go into it's kind of the same thing. So you can go in and do Vanguard, and you can have it within the bond.\n\nIt depends on which because Vanguard have a range of different products. So the return depend on which one, which risk allocation and stuff like that. But if it is something you are either wanting to look at now or a bit later once we sort out your super, it is something we can help you with. So if it is that you go to me because it also depends on how much you are wanting to put in. But if you go, you know what?\n\nI have 10,000 or 20,000 or 50, whatever it might be, and you go, you know what? I would like to see what this looks like. Then I can go and do the research for you and put together a a strategy and show you what it would look like. And yeah. So it's definitely something we can look at as part of, you know, the research and everything for you, Whether that is something you would like to kind of explore further now or whether you wanna focus on your super and do those reviews and investments, and then we can maybe revisit the other investments either when you are ready or in six months or our next annual review whenever you would like, we can do that as well.\n\nYes. You can you can contact me whenever. You can call me tomorrow or in a month or in six months or whenever you wanna look at it. You can just call and say that you would like an appointment to talk about investment options, and then we can definitely explore that further. Yeah.\n\nOr you can even respond to the email when we send you the account and information. You can just say, hey. Can I book an appointment to talk about investment? And then we can do it as well. Yeah.\n\nSo I'll add a little note to say that it might be something we wanna explore down the track as well. Yeah. Now the last question I had here, Troy, was in regards to your beneficiary nomination. So that is if something were to happen to you, who you want to nominate for your superannuation? Because at the moment, we don't have anyone, Declan.\n\nYep. Now to to make the nomination, because you are making a legal nomination, you have to sign the form and get out to witness it. So it can be any anyone as long as not the person you are nominating. Yep. Two people.\n\nYep. Now do you have access to a printer, or would you like us to express post the form to you? You do? Okay. So what I'll get the team to do is they'll email you the form for Netwealth for your super.\n\nThere is a cover letter as well because there's different type of nominations that you can make. Have a read through it. If you have any questions or you're not sure, you can always give me a call and we can talk through it. Otherwise, complete that, send it back to us, and then I will get that uploaded to Netwealth to make sure that if something happens, it goes to him. Yep.\n\nNow, Troy, do you have any other questions for me, or is there anything else that you need at at this point? No. Okay. Perfect. So I'll refresh and see if those documents if that all came through signed okay, I will get that uploaded through Netwealth.\n\nBut, you know, as with anything, it is not a lock in contract. So at any point in time, you are not happy with the service. If there is no lock in contract, the signing those documents just allows us to at least service your account in the meantime and do all of this for you. And, yeah, definitely then speak through the the people with the the superannuation as well to see where those contributions are. And as soon as I find out from the ATO, I will also let you know.\n\nBut, otherwise, I will do this research on your account. Now it might take a couple of weeks for me to put everything together. Perfect. As soon as I have it, though, Troy, I will give you a call, and I will run through the changes. And then you can let me know what what you think.\n\nYep. No problem at all. I hope you have a lovely rest of your day, and I look forward to speaking with you soon again. Thanks, Troy. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":3.04,"end":3.52,"sentiment":"neutral","sentiment_score":0.28364454954862595},{"text":"Is this Troy?","start":3.52,"end":4.42,"sentiment":"neutral","sentiment_score":0.15513005604346594},{"text":"This is Veronica from Oakview Financial.","start":6.08,"end":8.26,"sentiment":"neutral","sentiment_score":0.16718003526329994},{"text":"How are you this morning?","start":8.4,"end":9.54,"sentiment":"neutral","sentiment_score":0.2007270097732544},{"text":"That's good.","start":11.599999,"end":12.5,"sentiment":"positive","sentiment_score":0.7542833685874939}],"sentiment":"neutral","sentiment_score":0.2526645147138172,"num_words":18,"start":3.04,"end":12.5},{"sentences":[{"text":"I had you booked in to complete your annual review.","start":13.485,"end":16.525,"sentiment":"positive","sentiment_score":0.49418785870075227},{"text":"Is now still a good time for you?","start":16.525,"end":18.305,"sentiment":"positive","sentiment_score":0.3744282051920891},{"text":"Yeah.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":0.1835212409496307},{"text":"Perfect.","start":20.045,"end":20.545,"sentiment":"positive","sentiment_score":0.3681013882160187},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you.","start":21.005001,"end":29.27,"sentiment":"neutral","sentiment_score":0.04746575802564621}],"sentiment":"neutral","sentiment_score":0.1982579919695854,"num_words":50,"start":13.485,"end":29.27},{"sentences":[{"text":"Yeah.","start":30.77,"end":31.17,"sentiment":"neutral","sentiment_score":0.09402704238891602},{"text":"Perfect.","start":31.17,"end":31.67,"sentiment":"neutral","sentiment_score":0.22214016318321228},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":31.730001,"end":39.91,"sentiment":"neutral","sentiment_score":0.07121011815392055},{"text":"Yep.","start":49.345,"end":49.845,"sentiment":"neutral","sentiment_score":0.14092697203159332},{"text":"Perfect.","start":49.985,"end":50.385002,"sentiment":"positive","sentiment_score":0.4950736761093139}],"sentiment":"neutral","sentiment_score":0.09345436419049899,"num_words":30,"start":30.77,"end":50.385002},{"sentences":[{"text":"That's exactly what I have here.","start":50.385002,"end":52.085,"sentiment":"positive","sentiment_score":0.5604740977287292},{"text":"And how's your day been so far?","start":52.145,"end":53.825,"sentiment":"neutral","sentiment_score":0.192442957844053},{"text":"Been busy?","start":53.825,"end":54.565,"sentiment":"neutral","sentiment_score":0.03307599946856499},{"text":"That's great.","start":58.94,"end":59.76,"sentiment":"positive","sentiment_score":0.5786716341972351},{"text":"Now, Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up?","start":61.66,"end":77.525,"sentiment":"neutral","sentiment_score":-0.007091540148702718}],"sentiment":"neutral","sentiment_score":0.0725663117084064,"num_words":76,"start":50.385002,"end":77.525},{"sentences":[{"text":"No.","start":88.88,"end":89.119995,"sentiment":"neutral","sentiment_score":-0.09999769926071168},{"text":"Yeah.","start":89.119995,"end":89.6,"sentiment":"neutral","sentiment_score":-0.04903575032949448},{"text":"She she did.","start":89.6,"end":90.64,"sentiment":"neutral","sentiment_score":-0.05279747520883878},{"text":"So one was that you are self employed.","start":90.64,"end":96.534996,"sentiment":"neutral","sentiment_score":-0.027226137230172753},{"text":"You are paying yourself $3.50 a week all through the accounting software.","start":96.595,"end":103.095,"sentiment":"neutral","sentiment_score":-0.02023780858144164}],"sentiment":"neutral","sentiment_score":-0.03072354704141617,"num_words":25,"start":88.88,"end":103.095},{"sentences":[{"text":"Yeah.","start":105.33,"end":105.83,"sentiment":"neutral","sentiment_score":-0.04164460673928261},{"text":"Now I did have a look in your Netwealth account just before going on the call, and I actually cannot see any contributions going into Netwealth.","start":106.45,"end":117.909996,"sentiment":"neutral","sentiment_score":-0.17309454284035242},{"text":"The last one yep.","start":118.53,"end":126.365,"sentiment":"neutral","sentiment_score":-0.14157734625041485},{"text":"Yep.","start":137.37999,"end":137.87999,"sentiment":"neutral","sentiment_score":-0.04088558256626129},{"text":"Yeah.","start":138.01999,"end":138.51999,"sentiment":"neutral","sentiment_score":-0.029037650674581528}],"sentiment":"neutral","sentiment_score":-0.1569192526918469,"num_words":33,"start":105.33,"end":138.51999},{"sentences":[{"text":"Okay.","start":138.57999,"end":139.07999,"sentiment":"neutral","sentiment_score":-0.07974280416965485},{"text":"Because, usually, obviously, paying it that way because it's through your super even though it is obviously from the ATO, we would see it distributed into your account.","start":139.37999,"end":150.725,"sentiment":"neutral","sentiment_score":0.08578007289075426},{"text":"Yeah.","start":153.105,"end":153.585,"sentiment":"neutral","sentiment_score":0.06451210379600525},{"text":"And having a look in your account, the last contribution I can see was on the 12/02/2024.","start":153.585,"end":167.13,"sentiment":"neutral","sentiment_score":0.033287269008510256},{"text":"Yeah.","start":173.845,"end":174.085,"sentiment":"neutral","sentiment_score":-0.0015165423974394798}],"sentiment":"neutral","sentiment_score":0.06147871606905634,"num_words":48,"start":138.57999,"end":174.085},{"sentences":[{"text":"It was $398.58.","start":174.085,"end":177.785,"sentiment":"neutral","sentiment_score":-0.008793436922132969},{"text":"Yeah.","start":185.54001,"end":186.04001,"sentiment":"neutral","sentiment_score":0.017363399267196655},{"text":"Yeah.","start":188.26001,"end":188.76001,"sentiment":"neutral","sentiment_score":-0.020426321774721146},{"text":"Yeah.","start":190.1,"end":190.6,"sentiment":"neutral","sentiment_score":-0.09178654104471208},{"text":"No.","start":195.78,"end":196.02,"sentiment":"neutral","sentiment_score":-0.11972320079803468}],"sentiment":"neutral","sentiment_score":-0.034421853588095734,"num_words":7,"start":174.085,"end":196.02},{"sentences":[{"text":"Typically, it would be distributed as you pay it.","start":196.02,"end":200.04001,"sentiment":"neutral","sentiment_score":-0.02121520870261722},{"text":"Now some softwares and stuff like that, they do it, like, on a quarterly basis.","start":200.765,"end":206.625,"sentiment":"neutral","sentiment_score":0.014978991697231929},{"text":"So sometimes you can see it being depending on how what the structure is, but that's typically more so if you have an employer, and then they have to pay it at least every quarter.","start":206.685,"end":218.09,"sentiment":"neutral","sentiment_score":-0.02968860800777163},{"text":"But, obviously, having a look through all all the statement, there's nothing going in 2024.","start":219.11,"end":225.53,"sentiment":"neutral","sentiment_score":-0.09825306758284569},{"text":"So definitely go and have a chat to them and see if you can if you can find it.","start":225.67,"end":232.69499,"sentiment":"neutral","sentiment_score":0.27609167051942723}],"sentiment":"neutral","sentiment_score":0.029748305838595154,"num_words":93,"start":196.02,"end":232.69499},{"sentences":[{"text":"Now what I also included for you that we can do on our end sorry.","start":232.995,"end":237.81499,"sentiment":"neutral","sentiment_score":0.0667184886833032},{"text":"I have just sent you a document with some documents to go through.","start":237.95499,"end":242.45499,"sentiment":"neutral","sentiment_score":0.09497788147284435},{"text":"Part of that is a form that's called an LSA.","start":243.52,"end":247.06,"sentiment":"neutral","sentiment_score":0.1053035944700241},{"text":"So it is called a lost super authority form.","start":247.12,"end":250.02,"sentiment":"neutral","sentiment_score":0.07323010514179866},{"text":"What that allows us to do is it lets us start with the ATO.","start":250.56,"end":255.7,"sentiment":"neutral","sentiment_score":0.21834544731037958}],"sentiment":"neutral","sentiment_score":0.11482676955275849,"num_words":61,"start":232.995,"end":255.7},{"sentences":[{"text":"If there is any other super funds out there that potentially this money is going into.","start":256.575,"end":261.955,"sentiment":"neutral","sentiment_score":0.09735502256080508},{"text":"And if so, we can find it.","start":262.335,"end":264.815,"sentiment":"neutral","sentiment_score":0.23456692908491408},{"text":"I can do research on the account and then make sure to potentially consolidate it so you don't have two funds if that's where the money's going.","start":264.815,"end":273.05002,"sentiment":"neutral","sentiment_score":0.16074190592324292},{"text":"So I can find that information if you're happy to obviously you know, when when you're happy to find the documents.","start":273.35,"end":279.77002,"sentiment":"positive","sentiment_score":0.3645450919866562},{"text":"Once that comes through, I will submit it to the ATO.","start":280.07,"end":282.47,"sentiment":"neutral","sentiment_score":0.15887379917231473}],"sentiment":"neutral","sentiment_score":0.2066187688671961,"num_words":82,"start":256.575,"end":282.47},{"sentences":[{"text":"The ATO, it sometimes takes a little while for for that to come through.","start":282.47,"end":286.81,"sentiment":"neutral","sentiment_score":-0.14858162749026502},{"text":"Excuse me.","start":288.185,"end":288.66498,"sentiment":"neutral","sentiment_score":-0.16665810346603394},{"text":"But then at least when I do, I can at least see, well, is it going elsewhere or what's happening?","start":288.66498,"end":293.805,"sentiment":"neutral","sentiment_score":-0.11951649654656649},{"text":"Does that make sense?","start":295.465,"end":296.60498,"sentiment":"neutral","sentiment_score":0.018469342030584812},{"text":"Yep.","start":297.865,"end":298.26498,"sentiment":"neutral","sentiment_score":0.09192050993442535}],"sentiment":"neutral","sentiment_score":-0.11312173279683764,"num_words":41,"start":282.47,"end":298.26498},{"sentences":[{"text":"Okay.","start":298.26498,"end":298.76498,"sentiment":"neutral","sentiment_score":0.2645378112792969},{"text":"Perfect.","start":298.985,"end":299.485,"sentiment":"positive","sentiment_score":0.5806497931480408},{"text":"Now the other thing I can see here as well is that you did have a bit of concern, obviously, with your super and the performance and kind of what's happened in the last twelve months.","start":300.37997,"end":310.96,"sentiment":"neutral","sentiment_score":-0.012212280908392536},{"text":"Okay.","start":315.275,"end":315.775,"sentiment":"neutral","sentiment_score":-0.02370317280292511},{"text":"Mhmm.","start":319.995,"end":320.495,"sentiment":"neutral","sentiment_score":-0.0027161166071891785}],"sentiment":"neutral","sentiment_score":0.009478155057877302,"num_words":40,"start":298.26498,"end":320.495},{"sentences":[{"text":"Mhmm.","start":332.72998,"end":332.88998,"sentiment":"neutral","sentiment_score":-0.010864277370274069},{"text":"Yep.","start":332.88998,"end":333.38998,"sentiment":"neutral","sentiment_score":-0.02500825934112072},{"text":"Yeah.","start":336.665,"end":337.165,"sentiment":"neutral","sentiment_score":-0.06500758230686188},{"text":"We wanna make sure it's Make sure we get you as close.","start":338.345,"end":347.485,"sentiment":"neutral","sentiment_score":-0.10120330813030402},{"text":"Yeah.","start":348.04,"end":348.54,"sentiment":"neutral","sentiment_score":-0.0006958246231079102}],"sentiment":"neutral","sentiment_score":-0.0822509775753133,"num_words":16,"start":332.72998,"end":348.54},{"sentences":[{"text":"Exactly.","start":348.68002,"end":349.18002,"sentiment":"neutral","sentiment_score":0.012661829590797424},{"text":"Now I can have sorry.","start":349.72,"end":351.32,"sentiment":"neutral","sentiment_score":-0.02824476882815361},{"text":"Pat, did you get that email by any chance there, Troy?","start":351.32,"end":355.98,"sentiment":"neutral","sentiment_score":-0.02376004655591466},{"text":"Yes.","start":359.0,"end":359.5,"sentiment":"neutral","sentiment_score":-0.05620766803622246},{"text":"Now it sometimes does go to spam as well.","start":359.64,"end":362.78003,"sentiment":"neutral","sentiment_score":-0.2147124840153588}],"sentiment":"neutral","sentiment_score":-0.08809416854961051,"num_words":27,"start":348.68002,"end":362.78003},{"sentences":[{"text":"Yeah.","start":369.315,"end":369.815,"sentiment":"neutral","sentiment_score":-0.0603603795170784},{"text":"If you can access it.","start":371.075,"end":372.595,"sentiment":"neutral","sentiment_score":-0.025665732845664025},{"text":"If not, I can always run through the info with you, and then you can have a look at it a little bit later.","start":372.595,"end":379.1,"sentiment":"neutral","sentiment_score":0.0269318709615618},{"text":"And then if you have any questions, you can let me know.","start":379.1,"end":380.86,"sentiment":"neutral","sentiment_score":0.07407476101070642},{"text":"But if you can get it up at the same time, that is also helpful.","start":380.86,"end":383.76,"sentiment":"neutral","sentiment_score":0.05550853858391444}],"sentiment":"neutral","sentiment_score":0.03823159772314524,"num_words":57,"start":369.315,"end":383.76},{"sentences":[{"text":"Yeah.","start":384.38,"end":384.88,"sentiment":"neutral","sentiment_score":0.10638271272182465},{"text":"Yeah.","start":392.23502,"end":392.635,"sentiment":"neutral","sentiment_score":0.19538626074790957},{"text":"Perfect.","start":392.635,"end":393.135,"sentiment":"neutral","sentiment_score":0.30000531673431396},{"text":"Now as you see the email, it will there is a link where it will ask you to click on to sign the document.","start":393.67502,"end":400.73502,"sentiment":"neutral","sentiment_score":0.12201793864369392},{"text":"But before I get you to to click on that link, if you scroll down in the email, you should see a couple of attachments at the bottom.","start":401.27502,"end":409.72,"sentiment":"neutral","sentiment_score":0.06650284850703818}],"sentiment":"neutral","sentiment_score":0.09804153774272312,"num_words":55,"start":384.38,"end":409.72},{"sentences":[{"text":"Can you see those?","start":409.86002,"end":411.0,"sentiment":"neutral","sentiment_score":0.056633870117366314},{"text":"Yep.","start":412.82,"end":413.32,"sentiment":"neutral","sentiment_score":0.15014660358428955},{"text":"Yes.","start":414.34,"end":414.66,"sentiment":"neutral","sentiment_score":0.1800762116909027},{"text":"There are a couple.","start":414.66,"end":415.64,"sentiment":"neutral","sentiment_score":0.1434430330991745},{"text":"To make it easier for you, do you wanna let me know which one comes first on your end, and I can go through with it in that order?","start":415.725,"end":422.785,"sentiment":"neutral","sentiment_score":0.15434767382925954}],"sentiment":"neutral","sentiment_score":0.14375930690230468,"num_words":39,"start":409.86002,"end":422.785},{"sentences":[{"text":"Yes.","start":440.23502,"end":440.73502,"sentiment":"neutral","sentiment_score":0.08142498135566711},{"text":"Yes.","start":443.355,"end":443.855,"sentiment":"neutral","sentiment_score":0.048439472913742065},{"text":"So have you clicked on on the link?","start":444.23502,"end":446.095,"sentiment":"neutral","sentiment_score":-0.0063455908093601465},{"text":"Okay.","start":449.195,"end":449.695,"sentiment":"neutral","sentiment_score":0.08775142580270767},{"text":"Yep.","start":452.72998,"end":453.05,"sentiment":"neutral","sentiment_score":0.14668822288513184}],"sentiment":"neutral","sentiment_score":0.026128281373530626,"num_words":12,"start":440.23502,"end":453.05},{"sentences":[{"text":"Yep.","start":453.05,"end":453.44998,"sentiment":"neutral","sentiment_score":0.15480047464370728},{"text":"So that will be those digital documents.","start":453.44998,"end":456.03,"sentiment":"neutral","sentiment_score":0.18630920137677873},{"text":"So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file.","start":456.09,"end":463.94998,"sentiment":"neutral","sentiment_score":0.17614052913807057},{"text":"What's the next one you can see?","start":465.415,"end":467.275,"sentiment":"neutral","sentiment_score":0.09277794297252383},{"text":"Yep.","start":471.095,"end":471.595,"sentiment":"neutral","sentiment_score":0.16308264434337616}],"sentiment":"neutral","sentiment_score":0.16342528874790946,"num_words":43,"start":453.05,"end":471.595},{"sentences":[{"text":"Yes, please.","start":471.815,"end":472.45502,"sentiment":"neutral","sentiment_score":0.2025427669286728},{"text":"If if you don't mind, that'd be great.","start":472.45502,"end":474.23502,"sentiment":"neutral","sentiment_score":0.28313970007002354},{"text":"Yes.","start":477.83,"end":478.33,"sentiment":"neutral","sentiment_score":0.10656663775444032},{"text":"Yes.","start":488.06998,"end":488.56998,"sentiment":"neutral","sentiment_score":0.10696889460086824},{"text":"Yes.","start":490.325,"end":490.725,"sentiment":"neutral","sentiment_score":0.10240224003791808}],"sentiment":"neutral","sentiment_score":0.2297031466777508,"num_words":13,"start":471.815,"end":490.725},{"sentences":[{"text":"Yep.","start":490.725,"end":491.225,"sentiment":"neutral","sentiment_score":0.12150590121746065},{"text":"Perfect.","start":498.245,"end":498.745,"sentiment":"positive","sentiment_score":0.4517889022827149},{"text":"Yes.","start":502.02,"end":502.34,"sentiment":"neutral","sentiment_score":0.06759050488471985},{"text":"There should be another one.","start":502.34,"end":503.8,"sentiment":"neutral","sentiment_score":0.07913849130272865},{"text":"What does that one say?","start":504.34,"end":505.63998,"sentiment":"neutral","sentiment_score":0.037759629637002946}],"sentiment":"neutral","sentiment_score":0.09425968562181179,"num_words":13,"start":490.725,"end":505.63998},{"sentences":[{"text":"Yes.","start":507.86,"end":508.34,"sentiment":"neutral","sentiment_score":0.10474836826324464},{"text":"So that is the ongoing service agreement.","start":508.34,"end":511.15997,"sentiment":"neutral","sentiment_score":0.172303563782147},{"text":"Now that one there is if you are happy to stay on as a client, it lets us service service your account and everything.","start":512.66,"end":520.895,"sentiment":"neutral","sentiment_score":0.2492501512169838},{"text":"Now there is no no.","start":521.91504,"end":525.775,"sentiment":"neutral","sentiment_score":-0.08798911422491074},{"text":"So you don't have to sign yeah.","start":525.91504,"end":533.62994,"sentiment":"neutral","sentiment_score":-0.17686609285218374}],"sentiment":"neutral","sentiment_score":0.12761065279218284,"num_words":44,"start":507.86,"end":533.62994},{"sentences":[{"text":"So so don't sign any yeah.","start":533.62994,"end":535.55,"sentiment":"neutral","sentiment_score":-0.12195131182670593},{"text":"Don't sign any of those yet until we have gone through everything.","start":535.55,"end":538.68994,"sentiment":"neutral","sentiment_score":-0.15387091351052126},{"text":"Yep.","start":540.02997,"end":540.52997,"sentiment":"neutral","sentiment_score":0.024371951818466187},{"text":"There should be one more after that one, which is yeah.","start":542.52496,"end":548.305,"sentiment":"neutral","sentiment_score":0.014206217940558086},{"text":"Yeah.","start":548.845,"end":549.165,"sentiment":"neutral","sentiment_score":0.007880017161369324}],"sentiment":"neutral","sentiment_score":-0.07708511183098439,"num_words":31,"start":533.62994,"end":549.165},{"sentences":[{"text":"It yeah.","start":549.165,"end":550.46497,"sentiment":"neutral","sentiment_score":0.00926198298111558},{"text":"The the last one that it gets ask you to sign is the lost super authority form I mentioned That lets us search with the ATO.","start":550.605,"end":559.06,"sentiment":"neutral","sentiment_score":0.01221437960003431},{"text":"But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that.","start":559.2,"end":567.06,"sentiment":"neutral","sentiment_score":0.04398302688937763},{"text":"No.","start":573.055,"end":573.375,"sentiment":"neutral","sentiment_score":-0.16644850373268127},{"text":"There should be if you yeah.","start":573.375,"end":576.175,"sentiment":"neutral","sentiment_score":-0.12194985027114551}],"sentiment":"neutral","sentiment_score":0.011147781406180002,"num_words":64,"start":549.165,"end":576.175},{"sentences":[{"text":"Even if you can click out of the email altogether, And then when you open the email, so when you first open it, can you scroll at the bottom of the email, and can you see a couple of attachments?","start":576.175,"end":590.88,"sentiment":"neutral","sentiment_score":0.049187145521864296},{"text":"Yep.","start":595.27496,"end":595.77496,"sentiment":"neutral","sentiment_score":0.08589671552181244},{"text":"Yes.","start":597.435,"end":597.83496,"sentiment":"neutral","sentiment_score":0.11798439919948578},{"text":"Yes.","start":597.83496,"end":598.33496,"sentiment":"neutral","sentiment_score":0.06992019712924957},{"text":"Yes.","start":599.035,"end":599.535,"sentiment":"neutral","sentiment_score":0.12901754677295685}],"sentiment":"neutral","sentiment_score":0.05387056089768356,"num_words":44,"start":576.175,"end":599.535},{"sentences":[{"text":"Exactly.","start":599.755,"end":600.255,"sentiment":"neutral","sentiment_score":0.19644545018672943},{"text":"So there is a couple there.","start":600.315,"end":601.855,"sentiment":"neutral","sentiment_score":0.07761019095778465},{"text":"The O2 financial services guide and then the O2 services guide, I won't get you to open those now.","start":602.475,"end":608.095,"sentiment":"neutral","sentiment_score":0.02267391989497762},{"text":"I'll get you to have a read over them in their own time, but that's just our financial services guide.","start":608.25995,"end":613.94,"sentiment":"neutral","sentiment_score":0.033457189612090585},{"text":"You would have seen this before.","start":613.94,"end":615.38,"sentiment":"neutral","sentiment_score":0.019197264686226845}],"sentiment":"neutral","sentiment_score":0.036100739505715095,"num_words":52,"start":599.755,"end":615.38},{"sentences":[{"text":"It's one of those kind of long compliance documents, but, basically, everything that you need to know about us is in there for you.","start":615.38,"end":622.18,"sentiment":"neutral","sentiment_score":0.05796789160619179},{"text":"So the information about the team and our directors and our advisers and everything is in those two documents.","start":622.18,"end":628.715,"sentiment":"neutral","sentiment_score":0.08760794654096428},{"text":"So, obviously, when you have a moment, they are quite long.","start":628.775,"end":631.895,"sentiment":"neutral","sentiment_score":-0.05176392722536217},{"text":"Have a bit of a read over it in your in your own time.","start":631.895,"end":634.71,"sentiment":"neutral","sentiment_score":0.04986711857574327},{"text":"That's just for your reference.","start":635.35004,"end":636.65,"sentiment":"neutral","sentiment_score":0.1585342228412628}],"sentiment":"neutral","sentiment_score":0.05448202681663918,"num_words":73,"start":615.38,"end":636.65},{"sentences":[{"text":"Now what is the next one you can see?","start":637.35004,"end":639.85004,"sentiment":"neutral","sentiment_score":0.06597830313775274},{"text":"Yes.","start":644.07,"end":644.57,"sentiment":"neutral","sentiment_score":0.1887006163597107},{"text":"That is your portfolio.","start":644.71,"end":645.83,"sentiment":"neutral","sentiment_score":0.20387769117951393},{"text":"If you can open that one for me.","start":645.83,"end":647.715,"sentiment":"neutral","sentiment_score":0.16854751110076904},{"text":"Yep.","start":654.91504,"end":655.41504,"sentiment":"neutral","sentiment_score":0.09362389147281648}],"sentiment":"neutral","sentiment_score":0.1321747865041961,"num_words":23,"start":637.35004,"end":655.41504},{"sentences":[{"text":"Now, obviously, if you're looking at your phone, it can be a little bit small.","start":655.47504,"end":658.61505,"sentiment":"neutral","sentiment_score":-0.0017204318195581437},{"text":"But, essentially, this one here breaks down your portfolio in over the last twelve months.","start":659.55505,"end":666.24,"sentiment":"neutral","sentiment_score":0.12346291194359461},{"text":"So you can see that the the opening value now this was on the February 24.","start":667.33997,"end":672.94,"sentiment":"neutral","sentiment_score":0.13312405673786998},{"text":"So two days ago, we prepared these documents.","start":672.94,"end":675.04,"sentiment":"neutral","sentiment_score":0.1466280985623598},{"text":"So you can see here that the at that time, your super balance was at actually, let me just go in and get it today for you.","start":676.02496,"end":685.005,"sentiment":"neutral","sentiment_score":0.15112967706388897}],"sentiment":"neutral","sentiment_score":0.11369936023321417,"num_words":81,"start":655.47504,"end":685.005},{"sentences":[{"text":"Yes.","start":685.625,"end":686.105,"sentiment":"neutral","sentiment_score":0.05405054986476898},{"text":"156,000 166.","start":686.105,"end":689.96497,"sentiment":"neutral","sentiment_score":0.04951165057718754},{"text":"Now at the above it, you can then see all your investments listed.","start":691.95,"end":696.77,"sentiment":"neutral","sentiment_score":0.13395025179936335},{"text":"So you can see all the different investments in the different categories that we have there for you.","start":698.11005,"end":703.57,"sentiment":"neutral","sentiment_score":0.16580765570203462},{"text":"Yeah.","start":703.815,"end":704.055,"sentiment":"neutral","sentiment_score":0.056649841368198395}],"sentiment":"neutral","sentiment_score":0.14101756481187686,"num_words":35,"start":685.625,"end":704.055},{"sentences":[{"text":"So you can see kind of the cash.","start":704.055,"end":706.315,"sentiment":"neutral","sentiment_score":0.047296104952692986},{"text":"You can see alternative investments versus gold.","start":706.375,"end":710.155,"sentiment":"neutral","sentiment_score":-0.02434433384665421},{"text":"Yes.","start":711.815,"end":712.315,"sentiment":"neutral","sentiment_score":0.05765862762928009},{"text":"It is on that summary.","start":715.09503,"end":716.375,"sentiment":"neutral","sentiment_score":0.055360814183950426},{"text":"It's where that a 156,000 was listed.","start":716.375,"end":719.35504,"sentiment":"neutral","sentiment_score":0.0462182244019849}],"sentiment":"neutral","sentiment_score":0.030926741859210388,"num_words":28,"start":704.055,"end":719.35504},{"sentences":[{"text":"It's Okay.","start":720.67,"end":721.57,"sentiment":"neutral","sentiment_score":-0.03414644114673138},{"text":"No.","start":723.87,"end":724.19,"sentiment":"negative","sentiment_score":-0.3360830247402191},{"text":"What what can you see right now?","start":724.19,"end":726.05,"sentiment":"neutral","sentiment_score":-0.18969569887433732},{"text":"Yes?","start":729.70996,"end":730.20996,"sentiment":"neutral","sentiment_score":0.009717609733343124},{"text":"Yes?","start":731.23,"end":731.73,"sentiment":"neutral","sentiment_score":0.00983209442347288}],"sentiment":"neutral","sentiment_score":-0.14272467458310226,"num_words":12,"start":720.67,"end":731.73},{"sentences":[{"text":"Mhmm.","start":735.835,"end":736.335,"sentiment":"neutral","sentiment_score":-0.00581442890688777},{"text":"Okay.","start":744.47504,"end":744.955,"sentiment":"neutral","sentiment_score":-0.04014650732278824},{"text":"Yep.","start":744.955,"end":745.455,"sentiment":"neutral","sentiment_score":0.05464715510606766},{"text":"Yeah.","start":746.09,"end":746.41003,"sentiment":"neutral","sentiment_score":0.0614265576004982},{"text":"Okay.","start":746.41003,"end":746.89,"sentiment":"neutral","sentiment_score":0.07835543155670166}],"sentiment":"neutral","sentiment_score":0.0296936416067183,"num_words":5,"start":735.835,"end":746.89},{"sentences":[{"text":"Yes.","start":746.89,"end":747.39,"sentiment":"neutral","sentiment_score":0.1308639645576477},{"text":"That is just the summary of your account exactly.","start":747.45,"end":750.19,"sentiment":"neutral","sentiment_score":0.23448456989394295},{"text":"So nothing you have to click on that one.","start":750.97003,"end":753.05005,"sentiment":"neutral","sentiment_score":0.18228407204151154},{"text":"It just shows you the balance.","start":753.05005,"end":754.75,"sentiment":"neutral","sentiment_score":0.19759495308001837},{"text":"Yep.","start":754.97003,"end":755.29004,"sentiment":"neutral","sentiment_score":0.1301281452178955}],"sentiment":"neutral","sentiment_score":0.1999030617567209,"num_words":26,"start":746.89,"end":755.29004},{"sentences":[{"text":"You can you can click on the next one.","start":755.29004,"end":757.15,"sentiment":"neutral","sentiment_score":0.09788257380326588},{"text":"Yep.","start":761.305,"end":761.805,"sentiment":"neutral","sentiment_score":0.06936433911323547},{"text":"Yep.","start":764.985,"end":765.485,"sentiment":"neutral","sentiment_score":0.07724602520465851},{"text":"Yep.","start":767.14496,"end":767.64496,"sentiment":"neutral","sentiment_score":0.03310714662075043},{"text":"No.","start":772.36,"end":772.52,"sentiment":"neutral","sentiment_score":-0.08231428265571594}],"sentiment":"neutral","sentiment_score":0.07525741480864011,"num_words":13,"start":755.29004,"end":772.52},{"sentences":[{"text":"That's okay.","start":772.52,"end":773.26,"sentiment":"neutral","sentiment_score":0.03754061087965965},{"text":"Yes.","start":785.175,"end":785.575,"sentiment":"neutral","sentiment_score":0.2453724443912506},{"text":"Perfect.","start":785.575,"end":786.075,"sentiment":"positive","sentiment_score":0.4982009530067444},{"text":"Yep.","start":786.215,"end":786.715,"sentiment":"neutral","sentiment_score":0.2986961603164673},{"text":"So this one here gives you a breakdown of your investment and your portfolio over the last twelve months.","start":786.935,"end":794.47504,"sentiment":"neutral","sentiment_score":0.21956591935534225}],"sentiment":"neutral","sentiment_score":0.22037930196772018,"num_words":24,"start":772.52,"end":794.47504},{"sentences":[{"text":"So in this one, you see your different investments, and you also see how they have performed.","start":795.45,"end":803.39,"sentiment":"neutral","sentiment_score":0.21211538332350113},{"text":"So you can see on the return column, so that is the second column to the right, you can then see the in the individual investment.","start":804.73,"end":814.085,"sentiment":"neutral","sentiment_score":0.15675756421226722},{"text":"So you can see, for example, that gold has been very strong.","start":815.585,"end":819.205,"sentiment":"neutral","sentiment_score":0.18461117272575697},{"text":"It's gone up that 566%.","start":819.42505,"end":822.965,"sentiment":"neutral","sentiment_score":0.18843049854040145},{"text":"Now the one underneath it, I do wanna have a review of because that one is down at the moment, and it has underperformed a bit.","start":824.08,"end":832.58,"sentiment":"neutral","sentiment_score":-0.0748627779002373}],"sentiment":"neutral","sentiment_score":0.10340363402352777,"num_words":86,"start":795.45,"end":832.58},{"sentences":[{"text":"That's Yeah.","start":833.04004,"end":834.24,"sentiment":"neutral","sentiment_score":0.025591164827346802},{"text":"The Benelong, is that the one can you see where there's the Benelong Australian equity?","start":834.24,"end":838.42,"sentiment":"neutral","sentiment_score":0.012862220693690082},{"text":"Can you see that one?","start":838.82495,"end":844.76495,"sentiment":"neutral","sentiment_score":0.01902648452669382},{"text":"Yes.","start":844.82495,"end":845.32495,"sentiment":"neutral","sentiment_score":0.04679211601614952},{"text":"Now this one here forms a bit different part of the investments in there for you.","start":846.105,"end":851.785,"sentiment":"neutral","sentiment_score":0.06196158053353429}],"sentiment":"neutral","sentiment_score":0.03531860172426185,"num_words":39,"start":833.04004,"end":851.785},{"sentences":[{"text":"So when it was added to your account, when you came on board as a client, it was doing really, really well.","start":851.785,"end":858.39,"sentiment":"neutral","sentiment_score":0.19787234338847073},{"text":"Recently, they have underperformed a little bit.","start":859.17004,"end":862.37,"sentiment":"neutral","sentiment_score":0.013161987598453249},{"text":"I would like to do some research on that investment.","start":862.37,"end":866.15,"sentiment":"neutral","sentiment_score":-0.007430154364556074},{"text":"Yeah.","start":866.995,"end":867.495,"sentiment":"neutral","sentiment_score":-0.0064706504344940186},{"text":"It's a managed fund.","start":869.795,"end":871.415,"sentiment":"neutral","sentiment_score":-0.019933727104216814}],"sentiment":"neutral","sentiment_score":0.0973822355736047,"num_words":44,"start":851.785,"end":871.415},{"sentences":[{"text":"So they yeah.","start":872.115,"end":874.435,"sentiment":"neutral","sentiment_score":-0.029976839820543926},{"text":"Sorry.","start":874.435,"end":874.75494,"sentiment":"neutral","sentiment_score":-0.07973688840866089},{"text":"So that one is a bit co correct.","start":874.75494,"end":878.51495,"sentiment":"neutral","sentiment_score":-0.05888181645423174},{"text":"Yeah.","start":878.51495,"end":878.75494,"sentiment":"neutral","sentiment_score":-0.00944344699382782},{"text":"So they use Australian equities.","start":878.75494,"end":880.615,"sentiment":"neutral","sentiment_score":-0.027908773347735404}],"sentiment":"neutral","sentiment_score":-0.04387273629092508,"num_words":18,"start":872.115,"end":880.615},{"sentences":[{"text":"Now how they select the investment is a little bit different to the other ones in that they are what we will call your your active managers.","start":880.915,"end":891.08,"sentiment":"neutral","sentiment_score":0.0670713124865735},{"text":"So they their focus is through kind of buying and selling different investments a bit more frequently with trying to outperform the market.","start":891.30005,"end":902.845,"sentiment":"neutral","sentiment_score":0.12071389510579732},{"text":"So they do all the research and stuff, and they're trying to do the buying and the selling to tryna outperform the market because they they do a bit more.","start":903.785,"end":915.37,"sentiment":"neutral","sentiment_score":0.08608313252528509},{"text":"Not really futures.","start":918.79,"end":919.91,"sentiment":"neutral","sentiment_score":-0.09931070605913798},{"text":"It's more so that they they look at a company.","start":919.91,"end":923.77,"sentiment":"neutral","sentiment_score":-0.0156755231320858}],"sentiment":"neutral","sentiment_score":0.0722059317293667,"num_words":93,"start":880.915,"end":923.77},{"sentences":[{"text":"So it's still equity and everything.","start":925.39496,"end":927.095,"sentiment":"neutral","sentiment_score":0.00009290936092535655},{"text":"Yeah.","start":928.035,"end":928.435,"sentiment":"neutral","sentiment_score":0.13306064903736117},{"text":"And then kind of analyze whether they think it's going to be a good investment with the the different stocks in the Australian equity.","start":928.435,"end":937.175,"sentiment":"neutral","sentiment_score":0.10836795360470812},{"text":"So it is different through, like, the other one where it says, like, the international equities you can see listed underneath it.","start":938.02997,"end":945.32996,"sentiment":"neutral","sentiment_score":-0.0026398426853120327},{"text":"These investments, they are more what we would call your passive investment.","start":945.94995,"end":951.00995,"sentiment":"neutral","sentiment_score":0.05747278779745102}],"sentiment":"neutral","sentiment_score":0.05178532163397624,"num_words":65,"start":925.39496,"end":951.00995},{"sentences":[{"text":"So it's still equity, but these ones have so for example, the bottom one where it says iShares SMP 500.","start":951.815,"end":960.455,"sentiment":"neutral","sentiment_score":0.03270312706008553},{"text":"Can you see that one?","start":960.455,"end":961.755,"sentiment":"neutral","sentiment_score":0.022031766176223756},{"text":"Yep.","start":963.67004,"end":964.07,"sentiment":"neutral","sentiment_score":0.05074957013130188},{"text":"So that works a bit differently that they basically track an index.","start":964.07,"end":968.71,"sentiment":"neutral","sentiment_score":-0.0010512003985544045},{"text":"So they don't do that much, you know, the buying and the selling of different investments in that they track an index.","start":968.71,"end":975.53,"sentiment":"neutral","sentiment_score":-0.0056571435521949424}],"sentiment":"neutral","sentiment_score":0.011298322988053163,"num_words":60,"start":951.815,"end":975.53},{"sentences":[{"text":"So this one here, they follow the the 500 biggest companies listed in The US.","start":975.59,"end":983.73505,"sentiment":"neutral","sentiment_score":0.02973110390206178},{"text":"So you are kind of in that one single investment invested in those 500 companies.","start":984.275,"end":989.175,"sentiment":"neutral","sentiment_score":0.020585416754086813},{"text":"And as, you know, a company gets smaller and a bigger one come, it kind of goes in and out of the index.","start":989.955,"end":995.23,"sentiment":"neutral","sentiment_score":-0.07834941521286964},{"text":"So, obviously, it's not so much, you know, research and stuff that goes into it.","start":995.77,"end":999.52997,"sentiment":"neutral","sentiment_score":-0.11349648187557856},{"text":"It just kinda follows that index.","start":999.52997,"end":1001.21,"sentiment":"neutral","sentiment_score":-0.04241791802148024}],"sentiment":"neutral","sentiment_score":-0.040597884815085576,"num_words":74,"start":975.59,"end":1001.21},{"sentences":[{"text":"So that's how they are a bit different to that Benelung at one.","start":1001.21,"end":1005.13,"sentiment":"neutral","sentiment_score":-0.05653043377857942},{"text":"Does that make sense?","start":1005.13,"end":1006.08997,"sentiment":"neutral","sentiment_score":0.09510180912911892},{"text":"Right?","start":1006.08997,"end":1006.545,"sentiment":"neutral","sentiment_score":0.08000583946704865},{"text":"Yep.","start":1007.90497,"end":1008.305,"sentiment":"neutral","sentiment_score":0.1676531285047531},{"text":"Right.","start":1008.305,"end":1008.70496,"sentiment":"positive","sentiment_score":0.365561842918396}],"sentiment":"neutral","sentiment_score":0.01293662041425705,"num_words":20,"start":1001.21,"end":1008.70496},{"sentences":[{"text":"Perfect.","start":1008.70496,"end":1009.20496,"sentiment":"neutral","sentiment_score":-0.012854144908487797},{"text":"Now with Benelung at the moment, one of their contributing factors to why they are down at the moment and why we want to look at swapping that one out for something that's doing a little bit better is that one of the investments that they had in their portfolio was corporate travel group, and they had a bit of issues with their reporting.","start":1009.58496,"end":1033.53,"sentiment":"neutral","sentiment_score":-0.1561281450849492},{"text":"And so with that, it caused the the kind of share price.","start":1035.195,"end":1039.595,"sentiment":"neutral","sentiment_score":-0.31324206789334613},{"text":"You couldn't trade it anymore, so that's why they kinda went backwards.","start":1039.595,"end":1043.215,"sentiment":"neutral","sentiment_score":-0.24628814620276293},{"text":"They didn't report things correctly yet.","start":1043.835,"end":1046.255,"sentiment":"neutral","sentiment_score":-0.28109963486591977}],"sentiment":"neutral","sentiment_score":-0.19374753482835858,"num_words":95,"start":1008.70496,"end":1046.255},{"sentences":[{"text":"So we wanna look at obviously, it wasn't Benelung.","start":1046.475,"end":1050.55,"sentiment":"neutral","sentiment_score":-0.020789831462833617},{"text":"It was one of the companies that they were invested in, but it still obviously caused the the returns to go down, and they haven't been kind of performing as well as we would have liked.","start":1050.55,"end":1061.13,"sentiment":"neutral","sentiment_score":-0.2836822426567475},{"text":"So I would like to ask the call today if you are happy for me to do so, do a bit more research on your investment, especially that Benelon, and trying to see if I can find some other options for you that is going to make your super grow a little bit more, obviously, for your retirement and perform a little bit better.","start":1062.585,"end":1083.19,"sentiment":"neutral","sentiment_score":0.29166089254431427},{"text":"Yep.","start":1085.6499,"end":1086.1499,"sentiment":"neutral","sentiment_score":0.07375292479991913},{"text":"There are a lot of diff I do both.","start":1105.44,"end":1109.04,"sentiment":"neutral","sentiment_score":0.01843787481387456}],"sentiment":"neutral","sentiment_score":0.07148169497607135,"num_words":119,"start":1046.475,"end":1109.04},{"sentences":[{"text":"So I can look at I'll look at a direct similarity, so where they do the same concept.","start":1109.04,"end":1114.34,"sentiment":"neutral","sentiment_score":-0.00012968374519712396},{"text":"But if that isn't going to do better and you pay more for that service and they're not going to do better, then I might say, let's not do that and let's instead maybe do another index in Australia.","start":1114.6549,"end":1127.3949,"sentiment":"neutral","sentiment_score":-0.1121071621011465},{"text":"So maybe one that is kind of tracking companies in Australia instead.","start":1127.8999,"end":1131.84,"sentiment":"neutral","sentiment_score":0.050011967308819294},{"text":"So I will do that research for you and see which option is going to, you know, give that return for you, which I know is important, but then also kind of keeping the fees down, and then, I guess, which one's going to be better for you long term.","start":1132.62,"end":1148.6749,"sentiment":"neutral","sentiment_score":0.2906643286347389},{"text":"Yep.","start":1150.4149,"end":1150.9149,"sentiment":"neutral","sentiment_score":0.07954799383878708}],"sentiment":"neutral","sentiment_score":0.09031995336602752,"num_words":120,"start":1109.04,"end":1150.9149},{"sentences":[{"text":"Does that that make sense, Troy?","start":1151.215,"end":1152.995,"sentiment":"neutral","sentiment_score":0.1009801762799422},{"text":"Yep.","start":1154.27,"end":1154.6699,"sentiment":"neutral","sentiment_score":0.19480881094932556},{"text":"Okay.","start":1154.6699,"end":1155.1699,"sentiment":"neutral","sentiment_score":0.2033800184726715},{"text":"Now with reviewing your portfolio and your investment, I do also wanna make sure that we are in a portfolio overall that aligns with your time frames and how you feel about it.","start":1155.7899,"end":1168.125,"sentiment":"neutral","sentiment_score":0.2152140632723317},{"text":"Because at the moment, we have you invested in a high growth portfolio.","start":1168.685,"end":1173.505,"sentiment":"neutral","sentiment_score":0.13000115293722886}],"sentiment":"neutral","sentiment_score":0.1814101659865291,"num_words":54,"start":1151.215,"end":1173.505},{"sentences":[{"text":"Now typically, in a in a high growth portfolio as well, it is obviously designed to kinda maximize that growth as much as possible in the long term, but also seeing, you know, quite a bit of fluctuation in the short term to tryna achieve that long term.","start":1174.765,"end":1193.5701,"sentiment":"neutral","sentiment_score":0.010221709419662753},{"text":"Now typically in a high growth portfolio, we also see that the likelihood of a negative return is about one in five years.","start":1195.1951,"end":1203.055,"sentiment":"negative","sentiment_score":-0.42466277208017267},{"text":"And also making sure that you have enough time in the market, we do wanna say a minimum of eight years until retirement.","start":1203.675,"end":1213.83,"sentiment":"neutral","sentiment_score":-0.1363088438368362},{"text":"So at the moment, do you know when you think you would like to retire or start drawing an income from your super?","start":1215.09,"end":1224.835,"sentiment":"neutral","sentiment_score":-0.03725281677654256},{"text":"Ten years?","start":1225.0549,"end":1225.875,"sentiment":"neutral","sentiment_score":-0.005395249929279089}],"sentiment":"neutral","sentiment_score":-0.11159084369467587,"num_words":119,"start":1174.765,"end":1225.875},{"sentences":[{"text":"Ten years?","start":1227.535,"end":1228.1749,"sentiment":"neutral","sentiment_score":-0.004521467257291079},{"text":"That's the max.","start":1228.1749,"end":1230.995,"sentiment":"neutral","sentiment_score":0.006848178803920746},{"text":"Okay.","start":1231.375,"end":1231.875,"sentiment":"neutral","sentiment_score":0.022484447807073593},{"text":"Yeah.","start":1234.65,"end":1234.89,"sentiment":"neutral","sentiment_score":0.032635219395160675},{"text":"Ten years max.","start":1234.89,"end":1236.11,"sentiment":"neutral","sentiment_score":0.037641369427243866}],"sentiment":"neutral","sentiment_score":0.017954537738114597,"num_words":10,"start":1227.535,"end":1236.11},{"sentences":[{"text":"Okay.","start":1236.65,"end":1237.13,"sentiment":"neutral","sentiment_score":0.20919227600097656},{"text":"Perfect.","start":1237.13,"end":1237.63,"sentiment":"positive","sentiment_score":0.43887537717819214},{"text":"So what I would like to do is just ask you a couple of questions that is just multiple choice, and that is just so I can kind of gauge a bit more how you feel about fluctuations and stuff like that and if we wanna look at making any changes to the reallocation.","start":1238.25,"end":1253.335,"sentiment":"neutral","sentiment_score":0.10399863855154426},{"text":"So it is just multiple choice.","start":1254.275,"end":1256.295,"sentiment":"neutral","sentiment_score":0.09062978501121204},{"text":"There's no right or wrong answer.","start":1257.715,"end":1259.3151,"sentiment":"neutral","sentiment_score":-0.05781053666335841}],"sentiment":"neutral","sentiment_score":0.0950133768389659,"num_words":68,"start":1236.65,"end":1259.3151},{"sentences":[{"text":"It's just whatever you feel is going through, you know, align with you the most.","start":1259.3151,"end":1263.3,"sentiment":"neutral","sentiment_score":0.19102268318335217},{"text":"Okay?","start":1263.3,"end":1263.4601,"sentiment":"neutral","sentiment_score":0.05505635589361191},{"text":"And if it doesn't make sense, let me know because some can be a bit tricky.","start":1263.4601,"end":1266.52,"sentiment":"neutral","sentiment_score":-0.20051595894619823},{"text":"Yep.","start":1267.62,"end":1268.12,"sentiment":"neutral","sentiment_score":0.028616538271307945},{"text":"Now, Troy, have you ever bought direct shares yourself on the stock market or anything like that?","start":1268.5801,"end":1275.0801,"sentiment":"neutral","sentiment_score":0.04793581136447542}],"sentiment":"neutral","sentiment_score":0.011113331839442252,"num_words":50,"start":1259.3151,"end":1275.0801},{"sentences":[{"text":"Okay.","start":1279.3949,"end":1279.8949,"sentiment":"neutral","sentiment_score":0.09156782925128935},{"text":"Yep.","start":1280.0349,"end":1280.5349,"sentiment":"neutral","sentiment_score":0.07989007979631424},{"text":"Oh, yep.","start":1288.61,"end":1290.5499,"sentiment":"neutral","sentiment_score":0.06999187730252743},{"text":"Yep.","start":1291.1699,"end":1291.6699,"sentiment":"neutral","sentiment_score":0.05274476110935211},{"text":"Yep.","start":1292.37,"end":1292.87,"sentiment":"neutral","sentiment_score":0.0979701578617096}],"sentiment":"neutral","sentiment_score":0.07702609710395336,"num_words":6,"start":1279.3949,"end":1292.87},{"sentences":[{"text":"Okay.","start":1292.9299,"end":1293.4299,"sentiment":"neutral","sentiment_score":0.2381562292575836},{"text":"Perfect.","start":1293.73,"end":1294.23,"sentiment":"positive","sentiment_score":0.386720597743988},{"text":"Now the next question here is in regards to inflation.","start":1296.37,"end":1300.63,"sentiment":"neutral","sentiment_score":0.08235058821737766},{"text":"So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is, you know, costing a little bit more.","start":1301.665,"end":1312.085,"sentiment":"neutral","sentiment_score":-0.25103672726878096},{"text":"Now how much of a risk are you willing to take to kind of make sure that you stay on top of the rising prices?","start":1312.785,"end":1321.94,"sentiment":"neutral","sentiment_score":-0.1522200533747673}],"sentiment":"neutral","sentiment_score":-0.1444022613649185,"num_words":65,"start":1292.9299,"end":1321.94},{"sentences":[{"text":"Would you say mhmm.","start":1322.8,"end":1324.66,"sentiment":"neutral","sentiment_score":-0.11388403922319412},{"text":"Okay.","start":1343.7101,"end":1344.11,"sentiment":"neutral","sentiment_score":0.09816259890794754},{"text":"Perfect.","start":1344.11,"end":1344.51,"sentiment":"neutral","sentiment_score":0.3247752785682678},{"text":"Do you quite com Mhmm.","start":1344.51,"end":1346.61,"sentiment":"neutral","sentiment_score":0.09703574627637863},{"text":"Yep.","start":1347.23,"end":1347.73,"sentiment":"neutral","sentiment_score":0.05616132169961929}],"sentiment":"neutral","sentiment_score":0.04239514780541261,"num_words":12,"start":1322.8,"end":1347.73},{"sentences":[{"text":"Yep.","start":1347.87,"end":1348.37,"sentiment":"neutral","sentiment_score":0.06287126243114471},{"text":"Yep.","start":1349.9501,"end":1350.4501,"sentiment":"neutral","sentiment_score":0.0714666098356247},{"text":"Yeah.","start":1352.03,"end":1352.53,"sentiment":"neutral","sentiment_score":0.11323058605194092},{"text":"So you'll be quite quite comfortable for your super to take on a bit of those fluctuations in the short Yeah.","start":1352.91,"end":1359.615,"sentiment":"neutral","sentiment_score":0.20360703686518328},{"text":"Okay.","start":1359.615,"end":1360.015,"sentiment":"neutral","sentiment_score":0.17509499192237854}],"sentiment":"neutral","sentiment_score":0.18793644897639752,"num_words":25,"start":1347.87,"end":1360.015},{"sentences":[{"text":"Perfect.","start":1360.015,"end":1360.515,"sentiment":"neutral","sentiment_score":0.3241860866546631},{"text":"Now the next one is in regards to volatility.","start":1361.855,"end":1364.995,"sentiment":"neutral","sentiment_score":-0.011962776796685325},{"text":"So how would you feel if in six months after placing an investment, you found out that your portfolio had decreased by 20% due to general trends in the market.","start":1366.48,"end":1382.095,"sentiment":"neutral","sentiment_score":-0.17508487440645695},{"text":"So not particularly, like, one investment that's gone bad, just kind of the market as a whole, which obviously quite recently, we have seen bit of fluctuation in the market with everything going over in The US and and everything.","start":1382.635,"end":1396.52,"sentiment":"neutral","sentiment_score":-0.17635791879147292},{"text":"And then going back to COVID, we obviously saw a bit of fluctuation during that time.","start":1396.52,"end":1401.82,"sentiment":"neutral","sentiment_score":-0.12533038901165128}],"sentiment":"neutral","sentiment_score":-0.14682945950577656,"num_words":96,"start":1360.015,"end":1401.82},{"sentences":[{"text":"Would you Yes.","start":1402.6,"end":1414.715,"sentiment":"neutral","sentiment_score":-0.08081113609174888},{"text":"Correct.","start":1416.215,"end":1416.715,"sentiment":"neutral","sentiment_score":-0.07362239062786102},{"text":"Correct.","start":1417.255,"end":1417.755,"sentiment":"neutral","sentiment_score":-0.08291587233543396},{"text":"Okay.","start":1418.6951,"end":1419.1951,"sentiment":"neutral","sentiment_score":-0.017197486013174057},{"text":"Perfect.","start":1419.415,"end":1419.915,"sentiment":"neutral","sentiment_score":0.12362027913331984}],"sentiment":"neutral","sentiment_score":-0.04179269687405655,"num_words":7,"start":1402.6,"end":1419.915},{"sentences":[{"text":"Yep.","start":1420.5801,"end":1420.98,"sentiment":"neutral","sentiment_score":0.12020819634199142},{"text":"Perfect.","start":1420.98,"end":1421.48,"sentiment":"neutral","sentiment_score":0.21668459475040436},{"text":"And would you say that, you know, is there on that you would if you had the option to do so, put a little bit more in.","start":1421.7001,"end":1429.3,"sentiment":"neutral","sentiment_score":0.01304495679559531},{"text":"So thinking, well, okay.","start":1429.3,"end":1430.84,"sentiment":"neutral","sentiment_score":0.02083584386855364},{"text":"Now is maybe a good time to invest a little bit more if I can, Or would you yep.","start":1430.98,"end":1437.005,"sentiment":"neutral","sentiment_score":-0.019434668849020165}],"sentiment":"neutral","sentiment_score":0.007753678690698087,"num_words":52,"start":1420.5801,"end":1437.005},{"sentences":[{"text":"Yes.","start":1437.145,"end":1437.645,"sentiment":"neutral","sentiment_score":0.0341985747218132},{"text":"Okay.","start":1437.7849,"end":1438.2849,"sentiment":"neutral","sentiment_score":-0.02384261041879654},{"text":"Exactly.","start":1441.7849,"end":1442.2849,"sentiment":"neutral","sentiment_score":0.17037205398082733},{"text":"Yep.","start":1442.4249,"end":1442.9249,"sentiment":"positive","sentiment_score":0.3353416919708252},{"text":"Perfect.","start":1443.705,"end":1444.205,"sentiment":"positive","sentiment_score":0.7152926921844482}],"sentiment":"neutral","sentiment_score":0.2462724804878235,"num_words":5,"start":1437.145,"end":1444.205},{"sentences":[{"text":"Yep.","start":1444.985,"end":1445.485,"sentiment":"positive","sentiment_score":0.3789209723472595},{"text":"And in in terms of an investment return that you expect to get from your investments over the long term, zero to 2%, two to four, four to six, six to eight, or eight and above?","start":1446.9,"end":1462.04,"sentiment":"neutral","sentiment_score":0.1675982346965207},{"text":"Yeah.","start":1475.19,"end":1475.69,"sentiment":"neutral","sentiment_score":0.17661333084106445},{"text":"Yep.","start":1482.1499,"end":1482.6499,"sentiment":"neutral","sentiment_score":-0.0061345174908638},{"text":"Yep.","start":1485.11,"end":1485.59,"sentiment":"neutral","sentiment_score":0.07126200199127197}],"sentiment":"neutral","sentiment_score":0.16635495591908694,"num_words":40,"start":1444.985,"end":1485.59},{"sentences":[{"text":"Yep.","start":1485.59,"end":1486.07,"sentiment":"neutral","sentiment_score":0.06071899458765984},{"text":"No.","start":1486.07,"end":1486.57,"sentiment":"neutral","sentiment_score":0.0526602603495121},{"text":"Perfect.","start":1486.885,"end":1487.205,"sentiment":"neutral","sentiment_score":0.3280285596847534},{"text":"And it is your yes.","start":1487.205,"end":1490.005,"sentiment":"neutral","sentiment_score":0.2597222328186035},{"text":"And it is your money you've worked hard for for retirement.","start":1490.005,"end":1493.625,"sentiment":"neutral","sentiment_score":0.23147592761299826}],"sentiment":"neutral","sentiment_score":0.2255923253925223,"num_words":19,"start":1485.59,"end":1493.625},{"sentences":[{"text":"So, of course, that's definitely very important.","start":1493.765,"end":1496.905,"sentiment":"neutral","sentiment_score":0.2172488421201706},{"text":"Perfect.","start":1499.97,"end":1500.47,"sentiment":"neutral","sentiment_score":0.3252398669719696},{"text":"Now the the last question here is in regards to borrowing money.","start":1500.53,"end":1505.75,"sentiment":"neutral","sentiment_score":0.03490593967338403},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1506.0499,"end":1512.39,"sentiment":"neutral","sentiment_score":0.016568602124849955},{"text":"Yes.","start":1517.345,"end":1517.745,"sentiment":"neutral","sentiment_score":0.04759737104177475}],"sentiment":"neutral","sentiment_score":0.07113831780023044,"num_words":36,"start":1493.765,"end":1517.745},{"sentences":[{"text":"Okay.","start":1517.745,"end":1518.245,"sentiment":"neutral","sentiment_score":0.07055777311325073},{"text":"Perfect.","start":1518.385,"end":1518.885,"sentiment":"neutral","sentiment_score":0.2075021266937256},{"text":"Yep.","start":1523.265,"end":1523.765,"sentiment":"neutral","sentiment_score":0.02015594020485878},{"text":"Okay.","start":1526.24,"end":1526.74,"sentiment":"neutral","sentiment_score":0.16125525534152985},{"text":"Perfect.","start":1527.2,"end":1527.7,"sentiment":"neutral","sentiment_score":0.24713441729545593}],"sentiment":"neutral","sentiment_score":0.14132110252976418,"num_words":5,"start":1517.745,"end":1527.7},{"sentences":[{"text":"And now, Troy, that tells me here that you have come out as that high growth investor.","start":1528.72,"end":1532.9,"sentiment":"neutral","sentiment_score":0.10020348035237368},{"text":"Are you still comfortable staying in a high growth portfolio?","start":1534.24,"end":1538.5,"sentiment":"neutral","sentiment_score":0.03736382983624935},{"text":"You know, you have the time frame if you're looking about ten years.","start":1540.245,"end":1543.305,"sentiment":"neutral","sentiment_score":0.036401049162332826},{"text":"Are you still comfortable seeing a bit of fluctuations and and stuff in in the short term?","start":1543.525,"end":1549.9451,"sentiment":"neutral","sentiment_score":0.012900312924209763},{"text":"Yep.","start":1563.955,"end":1564.455,"sentiment":"neutral","sentiment_score":0.0952981561422348}],"sentiment":"neutral","sentiment_score":0.04939507895374093,"num_words":58,"start":1528.72,"end":1564.455},{"sentences":[{"text":"Yep.","start":1565.475,"end":1565.975,"sentiment":"neutral","sentiment_score":0.07992103695869446},{"text":"Mhmm.","start":1571.875,"end":1571.955,"sentiment":"neutral","sentiment_score":0.03318348526954651},{"text":"Okay.","start":1571.955,"end":1572.455,"sentiment":"neutral","sentiment_score":0.05825215578079224},{"text":"Okay.","start":1572.835,"end":1573.315,"sentiment":"neutral","sentiment_score":0.11073118448257446},{"text":"Perfect.","start":1573.315,"end":1573.815,"sentiment":"neutral","sentiment_score":0.201384037733078}],"sentiment":"neutral","sentiment_score":0.09669438004493713,"num_words":5,"start":1565.475,"end":1573.815},{"sentences":[{"text":"So if I look at your investments and I say with your high growth portfolio, which is typically a a ninety ten split, and I'll actually show you if you wanna click on the next attachment for me, it should say 2025 Vanguard index chart.","start":1574.195,"end":1594.485,"sentiment":"neutral","sentiment_score":0.08929384474953016},{"text":"The next one.","start":1602.0,"end":1602.96,"sentiment":"neutral","sentiment_score":0.02685907483100891},{"text":"Yes.","start":1602.96,"end":1603.46,"sentiment":"neutral","sentiment_score":0.0580047070980072},{"text":"It should be the next document.","start":1603.6,"end":1605.14,"sentiment":"neutral","sentiment_score":0.04908734901497761},{"text":"Yes.","start":1605.52,"end":1606.02,"sentiment":"neutral","sentiment_score":0.03107214719057083}],"sentiment":"neutral","sentiment_score":0.08004287833214871,"num_words":56,"start":1574.195,"end":1606.02},{"sentences":[{"text":"No.","start":1609.36,"end":1609.6,"sentiment":"neutral","sentiment_score":-0.031157895922660828},{"text":"That's okay.","start":1609.6,"end":1610.42,"sentiment":"neutral","sentiment_score":0.22896161675453186},{"text":"Yes.","start":1624.895,"end":1625.395,"sentiment":"neutral","sentiment_score":0.07601211965084076},{"text":"Well, Vanguard, they are very big, and this they always every year they are very big, and they they do they are very, very big, and they do a lot of your your passive ETFs that we can obviously look at with different allocation in portfolios and stuff like that.","start":1625.4551,"end":1647.885,"sentiment":"neutral","sentiment_score":0.17228834718465805},{"text":"And they they always they do a lot of research and stuff, which is really good, and they publish these they update these every year.","start":1648.3451,"end":1655.7251,"sentiment":"positive","sentiment_score":0.48425969839096067}],"sentiment":"neutral","sentiment_score":0.2686542693195464,"num_words":79,"start":1609.36,"end":1655.7251},{"sentences":[{"text":"And I like to include this because it kind of makes you see the markets historically as a whole a little bit better, and then also when we're talking about the different asset classes.","start":1656.24,"end":1668.1,"sentiment":"positive","sentiment_score":0.341049883295508},{"text":"So this one here, it goes back to 1995.","start":1668.16,"end":1671.62,"sentiment":"neutral","sentiment_score":0.09538955903715557},{"text":"You can kind of see, obviously, all all the ups and downs until 2025.","start":1671.815,"end":1677.515,"sentiment":"neutral","sentiment_score":0.09391800580280167},{"text":"And you can see that the trend in the market, they always go up long term.","start":1677.895,"end":1682.875,"sentiment":"neutral","sentiment_score":0.10707515198737383},{"text":"But short term, you know, depending on what is going on, you will see up and down a market fluctuation.","start":1683.335,"end":1689.24,"sentiment":"neutral","sentiment_score":0.013820621557533741}],"sentiment":"neutral","sentiment_score":0.16944805384483388,"num_words":93,"start":1656.24,"end":1689.24},{"sentences":[{"text":"Yeah.","start":1691.7,"end":1692.2,"sentiment":"neutral","sentiment_score":0.06874805688858032},{"text":"Now when we are talking about that high growth allocation, we see 90 of your money invested in the top four here.","start":1692.58,"end":1704.345,"sentiment":"neutral","sentiment_score":0.10878320106051186},{"text":"So you will have US shares, Australian shares, international shares, and then property.","start":1704.6449,"end":1710.2649,"sentiment":"neutral","sentiment_score":0.09898220461148483},{"text":"Now these are the ones that is going to grow the most, but also fluctuate the most short term.","start":1710.8201,"end":1717.4801,"sentiment":"neutral","sentiment_score":0.08634639629407932},{"text":"So gold for, yeah, so gold will kind of form part of the alternative asset.","start":1719.86,"end":1729.255,"sentiment":"neutral","sentiment_score":0.10466258053978285}],"sentiment":"neutral","sentiment_score":0.09941810539790562,"num_words":70,"start":1691.7,"end":1729.255},{"sentences":[{"text":"They can sometimes be counted towards both components, but it is one that we have in your portfolio at the moment.","start":1729.4751,"end":1737.7351,"sentiment":"neutral","sentiment_score":0.14590103037300564},{"text":"And kind of like I mentioned, the return on that one has done really well.","start":1738.35,"end":1741.97,"sentiment":"neutral","sentiment_score":0.2806650161743164},{"text":"So we definitely want to keep gold in your portfolio, especially because you have already got quite a bit of growth from it.","start":1742.03,"end":1749.09,"sentiment":"positive","sentiment_score":0.33467379018016485},{"text":"So we can so the good thing with Netwealth is there's hundreds of different options that we can do.","start":1749.5499,"end":1757.8251,"sentiment":"positive","sentiment_score":0.3792204445129947},{"text":"So Netwealth is just a platform.","start":1757.8251,"end":1759.6051,"sentiment":"neutral","sentiment_score":0.12726112827658653}],"sentiment":"neutral","sentiment_score":0.2730970151190247,"num_words":84,"start":1729.4751,"end":1759.6051},{"sentences":[{"text":"And then in Netwealth, we can choose from hundreds of different investments.","start":1760.2251,"end":1764.59,"sentiment":"neutral","sentiment_score":0.12890767057736716},{"text":"So there's a range of Vanguard options.","start":1764.59,"end":1767.07,"sentiment":"neutral","sentiment_score":0.10589380881616048},{"text":"There's a range of different investments across the globe.","start":1767.07,"end":1771.25,"sentiment":"neutral","sentiment_score":0.09204048994514677},{"text":"So if having silver in your portfolio is important to you, I can factor that in.","start":1771.5499,"end":1779.4551,"sentiment":"neutral","sentiment_score":0.08854233776219189},{"text":"Mhmm.","start":1787.995,"end":1788.155,"sentiment":"neutral","sentiment_score":0.005159036256372929}],"sentiment":"neutral","sentiment_score":0.10085221241331763,"num_words":45,"start":1760.2251,"end":1788.155},{"sentences":[{"text":"Kind of because they fall in the same, like you said, category.","start":1788.155,"end":1791.51,"sentiment":"neutral","sentiment_score":-0.013966114725917578},{"text":"The only thing is as well that if we put too much in gold and, like, let's say, we add silver, that mean you're gonna have less exposure elsewhere.","start":1791.51,"end":1800.89,"sentiment":"neutral","sentiment_score":-0.04870798310329174},{"text":"And we also wanna balance that that, you know, let's say we have, like you said, gold's done really well, then maybe other times when the growth equities are doing really well, then we wanna have and gold is not doing too well.","start":1801.35,"end":1816.105,"sentiment":"neutral","sentiment_score":0.07793966568140097},{"text":"We wanna have component of your portfolio that balance it out.","start":1816.105,"end":1819.85,"sentiment":"neutral","sentiment_score":0.1245160157030279},{"text":"So I kind of at all points in time, you have different investments kind of working together because you don't want too many investments acting the same way.","start":1819.85,"end":1828.4299,"sentiment":"neutral","sentiment_score":0.021387645143217275}],"sentiment":"neutral","sentiment_score":0.030404967271033825,"num_words":123,"start":1788.155,"end":1828.4299},{"sentences":[{"text":"Because at some times, they're gonna do amazing, and then other times, everything is not gonna do so good.","start":1828.73,"end":1834.215,"sentiment":"neutral","sentiment_score":-0.08326697075053265},{"text":"Does that make sense?","start":1834.2949,"end":1835.835,"sentiment":"neutral","sentiment_score":0.02598430449143052},{"text":"Yeah.","start":1836.0549,"end":1836.5549,"sentiment":"neutral","sentiment_score":0.030642451718449593},{"text":"But I can factor in when I do the research on the investment to see if we can incorporate silver into the portfolio, if that is going to work for things, if it if it is something you would like me to specifically consider.","start":1836.9349,"end":1852.14,"sentiment":"neutral","sentiment_score":0.03486123063008894},{"text":"Yep.","start":1855.08,"end":1855.58,"sentiment":"neutral","sentiment_score":-0.1500610709190369}],"sentiment":"neutral","sentiment_score":-0.0009226043155227886,"num_words":69,"start":1828.73,"end":1855.58},{"sentences":[{"text":"Yep.","start":1857.88,"end":1858.38,"sentiment":"neutral","sentiment_score":-0.21252064406871796},{"text":"Then.","start":1858.52,"end":1859.02,"sentiment":"neutral","sentiment_score":-0.04308038949966431},{"text":"Yep.","start":1860.855,"end":1861.355,"sentiment":"neutral","sentiment_score":0.11775785684585573},{"text":"Yep.","start":1861.415,"end":1861.8151,"sentiment":"neutral","sentiment_score":0.14151766896247864},{"text":"Okay.","start":1861.8151,"end":1862.2151,"sentiment":"neutral","sentiment_score":0.3022707402706146}],"sentiment":"neutral","sentiment_score":0.06118904650211334,"num_words":5,"start":1857.88,"end":1862.2151},{"sentences":[{"text":"Perfect.","start":1862.2151,"end":1862.7151,"sentiment":"positive","sentiment_score":0.5164728164672852},{"text":"I'll I'll in fact, I'll do the research on that for you and obviously see the price and everything like that as well.","start":1862.935,"end":1869.035,"sentiment":"neutral","sentiment_score":0.31003652383451874},{"text":"And no.","start":1869.6951,"end":1871.255,"sentiment":"neutral","sentiment_score":0.17322343029081821},{"text":"That's okay.","start":1871.255,"end":1872.0751,"sentiment":"neutral","sentiment_score":0.0656882505863905},{"text":"Now the last kind of 10% in a high growth portfolio are then your bottom three.","start":1872.2151,"end":1878.42,"sentiment":"neutral","sentiment_score":0.028272615745663643}],"sentiment":"neutral","sentiment_score":0.194943138144233,"num_words":44,"start":1862.2151,"end":1878.42},{"sentences":[{"text":"So these are your defensive investments.","start":1878.8,"end":1881.92,"sentiment":"neutral","sentiment_score":0.040911636936167874},{"text":"So you can kinda see they have a lot smoother, you know, trajectory, but they don't grow as much.","start":1881.92,"end":1889.9751,"sentiment":"neutral","sentiment_score":0.13327546564764098},{"text":"So their function is to try to limit fluctuations on the other investments a little bit and be there kind of, I guess, like, a little bit of the safer investment.","start":1890.115,"end":1897.655,"sentiment":"neutral","sentiment_score":0.11718342080712318},{"text":"So we only have about 10% in these.","start":1898.1951,"end":1901.0951,"sentiment":"neutral","sentiment_score":0.04124887613579631},{"text":"Are you still comfortable kind of with that split allocation in a high growth portfolio?","start":1901.53,"end":1906.35,"sentiment":"neutral","sentiment_score":0.23221973230441412}],"sentiment":"neutral","sentiment_score":0.1294136292100707,"num_words":79,"start":1878.8,"end":1906.35},{"sentences":[{"text":"Mhmm.","start":1914.105,"end":1914.605,"sentiment":"neutral","sentiment_score":0.1542421281337738},{"text":"Yep.","start":1919.385,"end":1919.885,"sentiment":"positive","sentiment_score":0.45345228910446167},{"text":"Yeah.","start":1921.7051,"end":1922.2051,"sentiment":"neutral","sentiment_score":0.2171723246574402},{"text":"Because, otherwise, I can look at one step down, which is your growth.","start":1922.425,"end":1928.24,"sentiment":"neutral","sentiment_score":0.0368695637354484},{"text":"So you're still focusing on growing, but you have more of an eighty twenty split.","start":1928.24,"end":1934.26,"sentiment":"neutral","sentiment_score":0.10854763984680176}],"sentiment":"neutral","sentiment_score":0.09459308606963004,"num_words":31,"start":1914.105,"end":1934.26},{"sentences":[{"text":"So 80% in the top four, twenty in the bottom.","start":1934.4,"end":1938.4199,"sentiment":"neutral","sentiment_score":0.2168165624141693},{"text":"So you will see a bit less of those fluctuations and ups and downs than in a high growth.","start":1939.0549,"end":1945.235,"sentiment":"neutral","sentiment_score":0.08119998872280121},{"text":"But longer term, you you can expect returns to be a little bit less.","start":1945.615,"end":1951.475,"sentiment":"neutral","sentiment_score":-0.07495113781520299},{"text":"Yep.","start":1954.27,"end":1954.77,"sentiment":"positive","sentiment_score":0.5150371789932251},{"text":"Perfect.","start":1955.3099,"end":1955.8099,"sentiment":"positive","sentiment_score":0.6867624521255493}],"sentiment":"neutral","sentiment_score":0.08585442470179663,"num_words":45,"start":1934.4,"end":1955.8099},{"sentences":[{"text":"So I'll go and do that.","start":1955.95,"end":1958.0499,"sentiment":"positive","sentiment_score":0.4773238003253937},{"text":"So, obviously, from here with your superannuation, I will go and do that research for you and check your investments to see which one are doing really well, which ones we wanna potentially swap out for other options that's going to ultimately give you the most amount of money into the full retirement.","start":1960.11,"end":1980.615,"sentiment":"positive","sentiment_score":0.3637514474256983},{"text":"I will also do a bit of an updated projection for you so that you can see it.","start":1981.7001,"end":1987.0,"sentiment":"neutral","sentiment_score":0.2956504399577777},{"text":"So I will do even just five and ten years forecasting just to see where things are on track for and how that might change things.","start":1987.54,"end":1998.4349,"sentiment":"neutral","sentiment_score":0.2822509826375888},{"text":"And as well, when it comes to the superannuation side of it, when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of around a thousand dollars per week from your superannuation when you retire.","start":2000.4149,"end":2019.65,"sentiment":"positive","sentiment_score":0.3529900955882939}],"sentiment":"positive","sentiment_score":0.3424120216953511,"num_words":147,"start":1955.95,"end":2019.65},{"sentences":[{"text":"Do you still feel like that's achievable?","start":2020.505,"end":2023.4851,"sentiment":"neutral","sentiment_score":0.22635607900364058},{"text":"Yep.","start":2034.12,"end":2034.62,"sentiment":"neutral","sentiment_score":0.021223945543169975},{"text":"Okay.","start":2037.32,"end":2037.82,"sentiment":"neutral","sentiment_score":-0.0058020539581775665},{"text":"Yep.","start":2040.6,"end":2041.08,"sentiment":"neutral","sentiment_score":0.09545576572418212},{"text":"Okay.","start":2041.08,"end":2041.58,"sentiment":"neutral","sentiment_score":0.09854099899530412}],"sentiment":"neutral","sentiment_score":0.1630828372118148,"num_words":11,"start":2020.505,"end":2041.58},{"sentences":[{"text":"And I can kind of factor factor that into it as well and do a bit of a calculation for you.","start":2041.6399,"end":2050.395,"sentiment":"neutral","sentiment_score":0.12849955509106317},{"text":"And I can also then do a bit of a bit of assessment if currently based on the information we have, whether you would be at the time of 67 eligible for potential age pension or not depending on your situation.","start":2051.095,"end":2066.27,"sentiment":"neutral","sentiment_score":0.04629619183336816},{"text":"So with your personal situation, I do wanna see if there's anything, you know, that's changed for you.","start":2066.6501,"end":2072.4302,"sentiment":"neutral","sentiment_score":0.07602466829121113},{"text":"So I have you Yeah?","start":2072.7302,"end":2075.07,"sentiment":"neutral","sentiment_score":0.04278345331549645},{"text":"Do you want me to run through the different section, or do you wanna tell me the things that's changed?","start":2076.155,"end":2080.415,"sentiment":"neutral","sentiment_score":0.041476350743323565}],"sentiment":"neutral","sentiment_score":0.066747836502535,"num_words":105,"start":2041.6399,"end":2080.415},{"sentences":[{"text":"Yep.","start":2084.395,"end":2084.895,"sentiment":"neutral","sentiment_score":0.04073178768157959},{"text":"Yep.","start":2085.515,"end":2085.915,"sentiment":"neutral","sentiment_score":0.07380083203315735},{"text":"Yep.","start":2085.915,"end":2086.415,"sentiment":"neutral","sentiment_score":0.13674446940422058},{"text":"Perfect.","start":2086.555,"end":2087.055,"sentiment":"positive","sentiment_score":0.3550916910171509},{"text":"Mhmm.","start":2088.81,"end":2089.31,"sentiment":"neutral","sentiment_score":0.123663030564785}],"sentiment":"neutral","sentiment_score":0.14600636214017867,"num_words":5,"start":2084.395,"end":2089.31},{"sentences":[{"text":"Like no.","start":2090.8901,"end":2092.6501,"sentiment":"neutral","sentiment_score":-0.09539493545889854},{"text":"Sorry.","start":2092.6501,"end":2093.1501,"sentiment":"neutral","sentiment_score":-0.06997089833021164},{"text":"When it comes to your personal situation, I have you here down as a single, but you do have a partner.","start":2093.29,"end":2102.75,"sentiment":"neutral","sentiment_score":-0.026057609844775426},{"text":"Do you guys don't live together, or has that changed?","start":2102.925,"end":2105.985,"sentiment":"neutral","sentiment_score":-0.041197577863931654},{"text":"Yep.","start":2112.5251,"end":2112.925,"sentiment":"neutral","sentiment_score":0.007988838478922844}],"sentiment":"neutral","sentiment_score":-0.034627357604248184,"num_words":35,"start":2090.8901,"end":2112.925},{"sentences":[{"text":"And then will you be the then?","start":2112.925,"end":2115.0251,"sentiment":"neutral","sentiment_score":-0.010549778783960002},{"text":"Or Yep.","start":2115.725,"end":2118.27,"sentiment":"neutral","sentiment_score":0.0008099544793367386},{"text":"Yes.","start":2119.77,"end":2120.0898,"sentiment":"neutral","sentiment_score":0.03413740545511246},{"text":"Exactly.","start":2120.0898,"end":2120.5898,"sentiment":"neutral","sentiment_score":0.0619124174118042},{"text":"Yep.","start":2120.73,"end":2121.0498,"sentiment":"neutral","sentiment_score":0.06348713487386703}],"sentiment":"neutral","sentiment_score":0.007275701267644763,"num_words":12,"start":2112.925,"end":2121.0498},{"sentences":[{"text":"Just just living together.","start":2121.0498,"end":2122.3499,"sentiment":"neutral","sentiment_score":0.06458689644932747},{"text":"Okay.","start":2122.8098,"end":2123.2898,"sentiment":"neutral","sentiment_score":0.07428929209709167},{"text":"Perfect.","start":2123.2898,"end":2123.7898,"sentiment":"neutral","sentiment_score":0.22434517741203308},{"text":"Now I do have here as well that you have two sons, but they are not financially dependent.","start":2125.53,"end":2131.775,"sentiment":"neutral","sentiment_score":0.0597283226541347},{"text":"They're a little bit older.","start":2131.915,"end":2133.035,"sentiment":"neutral","sentiment_score":0.0002687426283955574}],"sentiment":"neutral","sentiment_score":0.0563253646973392,"num_words":29,"start":2121.0498,"end":2133.035},{"sentences":[{"text":"Is that correct?","start":2133.035,"end":2133.935,"sentiment":"neutral","sentiment_score":0.04944492628177007},{"text":"Yep.","start":2135.195,"end":2135.695,"sentiment":"neutral","sentiment_score":0.017162812873721123},{"text":"Yep.","start":2141.3699,"end":2141.8699,"sentiment":"neutral","sentiment_score":0.07803361862897873},{"text":"Perfect.","start":2141.93,"end":2142.43,"sentiment":"neutral","sentiment_score":0.20603293180465695},{"text":"Yeah.","start":2146.41,"end":2146.91,"sentiment":"neutral","sentiment_score":0.018878737464547157}],"sentiment":"neutral","sentiment_score":0.06692041137388774,"num_words":7,"start":2133.035,"end":2146.91},{"sentences":[{"text":"Yeah.","start":2148.8098,"end":2149.3098,"sentiment":"neutral","sentiment_score":-0.010399661026895046},{"text":"Yeah.","start":2149.93,"end":2150.25,"sentiment":"neutral","sentiment_score":-0.022776979953050613},{"text":"It's it's it's unfortunately very expensive, but that's very nice of you.","start":2150.25,"end":2155.95,"sentiment":"neutral","sentiment_score":0.18371059745550156},{"text":"Now I don't have a next obtained on file for you.","start":2157.095,"end":2160.795,"sentiment":"neutral","sentiment_score":-0.136327516626228},{"text":"So that is just if for some reason we cannot get in touch with you, and you can nominate who whoever you want.","start":2161.095,"end":2167.915,"sentiment":"neutral","sentiment_score":-0.06894154506533043}],"sentiment":"neutral","sentiment_score":-0.019039743560521554,"num_words":48,"start":2148.8098,"end":2167.915},{"sentences":[{"text":"Can you spell that for me?","start":2172.55,"end":2173.51,"sentiment":"neutral","sentiment_score":-0.0016279613288740318},{"text":"Sorry, Troy.","start":2173.51,"end":2174.33,"sentiment":"neutral","sentiment_score":-0.010711893439292908},{"text":"Perfect.","start":2178.07,"end":2178.47,"sentiment":"neutral","sentiment_score":0.09928792715072632},{"text":"And last name?","start":2178.47,"end":2179.53,"sentiment":"neutral","sentiment_score":0.03053341619670391},{"text":"Perfect.","start":2183.845,"end":2184.345,"sentiment":"neutral","sentiment_score":0.1345713436603546}],"sentiment":"neutral","sentiment_score":0.022635997273027897,"num_words":13,"start":2172.55,"end":2184.345},{"sentences":[{"text":"And relationship?","start":2184.4849,"end":2185.4648,"sentiment":"neutral","sentiment_score":0.05501995421946049},{"text":"Perfect.","start":2188.2449,"end":2188.7449,"sentiment":"neutral","sentiment_score":0.16964350640773773},{"text":"And his best contact number?","start":2190.325,"end":2192.265,"sentiment":"neutral","sentiment_score":0.06896240264177322},{"text":"Two nine.","start":2194.85,"end":2195.4102,"sentiment":"neutral","sentiment_score":0.017162072472274303},{"text":"Perfect.","start":2195.4102,"end":2195.9102,"sentiment":"neutral","sentiment_score":0.05154353380203247}],"sentiment":"neutral","sentiment_score":0.0645784642547369,"num_words":11,"start":2184.4849,"end":2195.9102},{"sentences":[{"text":"One six two.","start":2198.2102,"end":2199.1702,"sentiment":"neutral","sentiment_score":0.01901242695748806},{"text":"Yep.","start":2199.1702,"end":2199.6702,"sentiment":"neutral","sentiment_score":0.024778014048933983},{"text":"Two five seven.","start":2201.57,"end":2202.7102,"sentiment":"neutral","sentiment_score":0.024081376070777576},{"text":"Great.","start":2203.01,"end":2203.4102,"sentiment":"positive","sentiment_score":0.3554069697856903},{"text":"Perfect.","start":2203.4102,"end":2203.81,"sentiment":"positive","sentiment_score":0.4985608756542206}],"sentiment":"neutral","sentiment_score":0.11200302984151575,"num_words":9,"start":2198.2102,"end":2203.81},{"sentences":[{"text":"Thank you so much.","start":2203.81,"end":2205.11,"sentiment":"positive","sentiment_score":0.5756635963916779},{"text":"Has anything changed with your occupation?","start":2206.0552,"end":2208.475,"sentiment":"neutral","sentiment_score":0.018453156109899282},{"text":"No.","start":2210.7751,"end":2211.2751,"sentiment":"neutral","sentiment_score":-0.0477115735411644},{"text":"Oh, yeah.","start":2217.2551,"end":2217.735,"sentiment":"neutral","sentiment_score":0.0022708801552653313},{"text":"Nice.","start":2217.735,"end":2218.135,"sentiment":"neutral","sentiment_score":0.06183489412069321}],"sentiment":"neutral","sentiment_score":0.1737170287940119,"num_words":14,"start":2203.81,"end":2218.135},{"sentences":[{"text":"What kind of business?","start":2218.135,"end":2219.195,"sentiment":"neutral","sentiment_score":-0.0317612080834806},{"text":"In the process.","start":2222.6401,"end":2223.54,"sentiment":"neutral","sentiment_score":-0.026426667347550392},{"text":"Yeah.","start":2224.72,"end":2225.22,"sentiment":"neutral","sentiment_score":-0.016426928341388702},{"text":"Okay.","start":2229.52,"end":2230.02,"sentiment":"neutral","sentiment_score":0.03755655139684677},{"text":"Yep.","start":2230.6401,"end":2231.1401,"sentiment":"neutral","sentiment_score":0.07083314657211304}],"sentiment":"neutral","sentiment_score":-0.011436206474900245,"num_words":10,"start":2218.135,"end":2231.1401},{"sentences":[{"text":"Perfect.","start":2232.4949,"end":2232.9949,"sentiment":"neutral","sentiment_score":0.1583825796842575},{"text":"Do you know when you guys are looking to do it, or it just kind of depends on opportunities and whatever comes, you know, your way at the time?","start":2234.7349,"end":2241.555,"sentiment":"neutral","sentiment_score":0.020225761008673702},{"text":"Okay.","start":2245.55,"end":2246.05,"sentiment":"neutral","sentiment_score":0.08904978632926941},{"text":"Perfect.","start":2246.11,"end":2246.61,"sentiment":"neutral","sentiment_score":0.15745139122009277},{"text":"Now at the moment, I have here as well that your income is around 150,000.","start":2248.83,"end":2255.33,"sentiment":"neutral","sentiment_score":0.04376965922613939}],"sentiment":"neutral","sentiment_score":0.035063313082494635,"num_words":47,"start":2232.4949,"end":2255.33},{"sentences":[{"text":"Yep.","start":2256.7449,"end":2257.065,"sentiment":"neutral","sentiment_score":0.06584449112415314},{"text":"Perfect.","start":2257.065,"end":2257.565,"sentiment":"neutral","sentiment_score":0.11275529861450195},{"text":"And you are self employed?","start":2257.625,"end":2259.2449,"sentiment":"neutral","sentiment_score":0.04899952262639999},{"text":"Yep.","start":2260.585,"end":2260.985,"sentiment":"neutral","sentiment_score":0.0504668653011322},{"text":"Perfect.","start":2260.985,"end":2261.485,"sentiment":"neutral","sentiment_score":0.11350051313638689}],"sentiment":"neutral","sentiment_score":0.06528497570090824,"num_words":9,"start":2256.7449,"end":2261.485},{"sentences":[{"text":"And how is the the business set up?","start":2261.625,"end":2264.985,"sentiment":"neutral","sentiment_score":0.02992111397907138},{"text":"Is there, like, a sole trader or a company structure?","start":2264.985,"end":2268.685,"sentiment":"neutral","sentiment_score":0.004297503549605608},{"text":"Company.","start":2269.93,"end":2270.43,"sentiment":"neutral","sentiment_score":0.0012478078715503216},{"text":"Okay.","start":2271.21,"end":2271.71,"sentiment":"neutral","sentiment_score":0.020687256008386612},{"text":"Yep.","start":2275.45,"end":2275.85,"sentiment":"neutral","sentiment_score":0.09359102696180344}],"sentiment":"neutral","sentiment_score":0.018946192293827022,"num_words":21,"start":2261.625,"end":2275.85},{"sentences":[{"text":"Perfect.","start":2275.85,"end":2276.35,"sentiment":"neutral","sentiment_score":0.2387519478797913},{"text":"Correct.","start":2278.25,"end":2278.75,"sentiment":"neutral","sentiment_score":0.1567319929599762},{"text":"Like I kind of mentioned earlier as well, I will once we get those documents signed, if you're happy to do so, that's it.","start":2280.4102,"end":2287.265,"sentiment":"neutral","sentiment_score":0.0931250046317776},{"text":"Great.","start":2287.265,"end":2287.765,"sentiment":"positive","sentiment_score":0.4722210168838501},{"text":"Perfect.","start":2287.825,"end":2288.325,"sentiment":"positive","sentiment_score":0.4108984470367432}],"sentiment":"neutral","sentiment_score":0.12548583985439368,"num_words":28,"start":2275.85,"end":2288.325},{"sentences":[{"text":"That that means I can then send off that lost super authority, like I mentioned, and see if I can find another super fund that potentially that money is going into that $3.50 a week, but then also definitely go in and speak to them and see yeah.","start":2289.9849,"end":2305.99,"sentiment":"neutral","sentiment_score":0.12384176727694769},{"text":"Yep.","start":2308.3699,"end":2308.8699,"sentiment":"neutral","sentiment_score":-0.05147169530391693},{"text":"Okay.","start":2314.865,"end":2315.365,"sentiment":"neutral","sentiment_score":-0.04555669054389},{"text":"Yeah.","start":2317.745,"end":2318.245,"sentiment":"neutral","sentiment_score":-0.10807529091835022},{"text":"Okay.","start":2327.1199,"end":2327.6199,"sentiment":"neutral","sentiment_score":-0.25258901715278625}],"sentiment":"neutral","sentiment_score":0.10551369491104896,"num_words":52,"start":2289.9849,"end":2327.6199},{"sentences":[{"text":"Yeah.","start":2328.16,"end":2328.66,"sentiment":"neutral","sentiment_score":-0.1530437171459198},{"text":"Yeah.","start":2332.48,"end":2332.98,"sentiment":"neutral","sentiment_score":-0.08480910956859589},{"text":"Yep.","start":2335.44,"end":2335.94,"sentiment":"neutral","sentiment_score":-0.05071356147527695},{"text":"Yep.","start":2336.0,"end":2336.5,"sentiment":"neutral","sentiment_score":-0.04201686009764671},{"text":"Yes.","start":2347.625,"end":2348.105,"sentiment":"neutral","sentiment_score":0.1078971028327942}],"sentiment":"neutral","sentiment_score":-0.04453722909092903,"num_words":5,"start":2328.16,"end":2348.105},{"sentences":[{"text":"Yep.","start":2348.105,"end":2348.605,"sentiment":"neutral","sentiment_score":0.13701844215393066},{"text":"Yes.","start":2350.87,"end":2351.37,"sentiment":"neutral","sentiment_score":0.0944015458226204},{"text":"And if if it is that you do struggle to find one and you want a referral for an accountant as well, just let me know because I can always send you the information of the firm that we work closely with.","start":2351.43,"end":2367.285,"sentiment":"neutral","sentiment_score":0.06817336318393548},{"text":"If it is that you do want do you want me to send you that information, or or do you have yes?","start":2367.585,"end":2374.945,"sentiment":"neutral","sentiment_score":0.04751160664653236},{"text":"Okay.","start":2374.945,"end":2375.445,"sentiment":"neutral","sentiment_score":0.024805903434753414}],"sentiment":"neutral","sentiment_score":0.062160634199407566,"num_words":67,"start":2348.105,"end":2375.445},{"sentences":[{"text":"I'll yeah.","start":2375.52,"end":2382.42,"sentiment":"neutral","sentiment_score":0.01013736455934122},{"text":"Yeah.","start":2384.96,"end":2385.46,"sentiment":"neutral","sentiment_score":0.05243828520178795},{"text":"Yes.","start":2386.8,"end":2387.3,"sentiment":"neutral","sentiment_score":0.21272701025009155},{"text":"Yeah.","start":2388.095,"end":2388.595,"sentiment":"neutral","sentiment_score":0.21609656512737271},{"text":"Exactly.","start":2390.015,"end":2390.515,"sentiment":"neutral","sentiment_score":0.18434588611125943}],"sentiment":"neutral","sentiment_score":0.11431374596819903,"num_words":6,"start":2375.52,"end":2390.515},{"sentences":[{"text":"Well, what I'll do is I will send you the email anyway, and you have their contact details.","start":2390.7349,"end":2394.9949,"sentiment":"neutral","sentiment_score":0.13076607469055387},{"text":"Or if you do prefer, I can get them to give you a call.","start":2395.055,"end":2399.295,"sentiment":"neutral","sentiment_score":0.12045786157250404},{"text":"But with if you do stay with ours, if it's easier for you to contact when you're available, I'm happy to yeah.","start":2399.295,"end":2406.12,"sentiment":"neutral","sentiment_score":0.19640859792178328},{"text":"Yeah.","start":2406.9001,"end":2407.1401,"sentiment":"neutral","sentiment_score":0.13772962987422943},{"text":"No.","start":2407.1401,"end":2407.3801,"sentiment":"neutral","sentiment_score":0.12247534841299056}],"sentiment":"neutral","sentiment_score":0.1539534560537764,"num_words":56,"start":2390.7349,"end":2407.3801},{"sentences":[{"text":"That's okay.","start":2407.3801,"end":2407.9402,"sentiment":"neutral","sentiment_score":0.21538187563419342},{"text":"I will just send you the information, and then you can obviously give them a call whenever you do have time.","start":2407.9402,"end":2413.72,"sentiment":"neutral","sentiment_score":0.23233803751922788},{"text":"Yep.","start":2415.475,"end":2415.975,"sentiment":"neutral","sentiment_score":0.1368774771690369},{"text":"Now let me see here.","start":2416.915,"end":2418.275,"sentiment":"neutral","sentiment_score":0.1252674236893654},{"text":"Otherwise, I have here expenses about $1,200 a week, and you save roughly about 800 a week.","start":2418.275,"end":2425.255,"sentiment":"neutral","sentiment_score":0.2509464525124606}],"sentiment":"neutral","sentiment_score":0.2247644962499971,"num_words":46,"start":2407.3801,"end":2425.255},{"sentences":[{"text":"Yeah.","start":2431.4902,"end":2431.9902,"sentiment":"neutral","sentiment_score":0.029901769012212753},{"text":"So it kind of fluctuates.","start":2432.05,"end":2433.11,"sentiment":"neutral","sentiment_score":-0.08536422252655029},{"text":"Yeah.","start":2435.57,"end":2436.07,"sentiment":"neutral","sentiment_score":-0.0629328265786171},{"text":"Yep.","start":2439.585,"end":2439.985,"sentiment":"neutral","sentiment_score":0.05597639083862305},{"text":"Yep.","start":2439.985,"end":2440.465,"sentiment":"neutral","sentiment_score":0.14681105315685272}],"sentiment":"neutral","sentiment_score":-0.02856274735596445,"num_words":9,"start":2431.4902,"end":2440.465},{"sentences":[{"text":"Perfect.","start":2440.465,"end":2440.965,"sentiment":"positive","sentiment_score":0.4774520993232727},{"text":"Now with your assets and your liabilities, I have here you have a a hybrid Kluger, I think, that you were planning on selling.","start":2442.145,"end":2454.9,"sentiment":"neutral","sentiment_score":0.0990218516283979},{"text":"You still have it?","start":2455.1199,"end":2456.18,"sentiment":"neutral","sentiment_score":0.03983412217348814},{"text":"Yep.","start":2457.52,"end":2458.02,"sentiment":"neutral","sentiment_score":0.09443944692611694},{"text":"Yeah.","start":2464.2551,"end":2464.495,"sentiment":"positive","sentiment_score":0.48948368430137634}],"sentiment":"neutral","sentiment_score":0.1160398760750409,"num_words":31,"start":2440.465,"end":2464.495},{"sentences":[{"text":"That's lovely of you.","start":2464.495,"end":2465.795,"sentiment":"positive","sentiment_score":0.8034173846244812},{"text":"Yep.","start":2470.2551,"end":2470.7551,"sentiment":"neutral","sentiment_score":0.16345380246639252},{"text":"Yeah.","start":2475.71,"end":2476.21,"sentiment":"neutral","sentiment_score":0.09660185873508452},{"text":"Yeah.","start":2478.19,"end":2478.69,"sentiment":"neutral","sentiment_score":0.09636543691158296},{"text":"Yep.","start":2478.91,"end":2479.3098,"sentiment":"neutral","sentiment_score":0.11159345507621764}],"sentiment":"positive","sentiment_score":0.4602105114609003,"num_words":8,"start":2464.495,"end":2479.3098},{"sentences":[{"text":"Perfect.","start":2479.3098,"end":2479.8098,"sentiment":"neutral","sentiment_score":0.3014370799064636},{"text":"Yeah.","start":2484.91,"end":2485.41,"sentiment":"neutral","sentiment_score":0.05675166845321655},{"text":"Yeah.","start":2486.3499,"end":2486.8499,"sentiment":"neutral","sentiment_score":0.05020955577492714},{"text":"Oh, perfect.","start":2487.265,"end":2488.085,"sentiment":"neutral","sentiment_score":0.112528495490551},{"text":"So at the moment, is that valued around the 90,000?","start":2488.945,"end":2493.925,"sentiment":"neutral","sentiment_score":0.031735052540898326}],"sentiment":"neutral","sentiment_score":0.06338705470164617,"num_words":15,"start":2479.3098,"end":2493.925},{"sentences":[{"text":"Mhmm.","start":2499.025,"end":2499.525,"sentiment":"neutral","sentiment_score":-0.01024041883647442},{"text":"Okay.","start":2504.8801,"end":2505.3801,"sentiment":"neutral","sentiment_score":0.005747519433498383},{"text":"So maybe down to about 60.","start":2505.6802,"end":2507.4602,"sentiment":"neutral","sentiment_score":0.004734045981119077},{"text":"Yep.","start":2508.9602,"end":2509.4602,"sentiment":"neutral","sentiment_score":0.01637066714465618},{"text":"And do you have about 16 owing on that one?","start":2510.08,"end":2513.2202,"sentiment":"neutral","sentiment_score":-0.010402866639196873}],"sentiment":"neutral","sentiment_score":-0.0033550854086091646,"num_words":19,"start":2499.025,"end":2513.2202},{"sentences":[{"text":"Roughly.","start":2515.0151,"end":2515.495,"sentiment":"neutral","sentiment_score":-0.005698380991816521},{"text":"Perfect.","start":2515.495,"end":2515.995,"sentiment":"neutral","sentiment_score":0.14945095777511597},{"text":"Do you also Okay.","start":2516.055,"end":2519.0352,"sentiment":"neutral","sentiment_score":0.060835737735033035},{"text":"Yep.","start":2520.215,"end":2520.695,"sentiment":"neutral","sentiment_score":0.07428726553916931},{"text":"Perfect.","start":2520.695,"end":2521.195,"sentiment":"neutral","sentiment_score":0.1642063558101654}],"sentiment":"neutral","sentiment_score":0.07819864363409579,"num_words":8,"start":2515.0151,"end":2521.195},{"sentences":[{"text":"And do you also have the truck valued at about 20,000?","start":2521.895,"end":2525.835,"sentiment":"neutral","sentiment_score":0.06780216233296828},{"text":"Perfect.","start":2527.4202,"end":2527.9202,"sentiment":"neutral","sentiment_score":0.10671377182006836},{"text":"You didn't have anything owing on the truck?","start":2527.98,"end":2529.76,"sentiment":"neutral","sentiment_score":0.003094868385232985},{"text":"No.","start":2530.94,"end":2531.34,"sentiment":"neutral","sentiment_score":0.006931020878255367},{"text":"Perfect.","start":2531.34,"end":2531.84,"sentiment":"neutral","sentiment_score":0.07807792723178864}],"sentiment":"neutral","sentiment_score":0.04374115693975578,"num_words":22,"start":2521.895,"end":2531.84},{"sentences":[{"text":"I also have here a van valued at about 15.","start":2532.3,"end":2535.36,"sentiment":"neutral","sentiment_score":0.03973370529711247},{"text":"Yep.","start":2536.7,"end":2537.1,"sentiment":"neutral","sentiment_score":0.04504713416099548},{"text":"Perfect.","start":2537.1,"end":2537.58,"sentiment":"neutral","sentiment_score":0.09424777328968048},{"text":"Nothing owing there either?","start":2537.58,"end":2539.04,"sentiment":"neutral","sentiment_score":0.00396093656308949},{"text":"No.","start":2539.985,"end":2540.3052,"sentiment":"neutral","sentiment_score":-0.01709558814764023}],"sentiment":"neutral","sentiment_score":0.03149294814861873,"num_words":17,"start":2532.3,"end":2540.3052},{"sentences":[{"text":"Perfect.","start":2540.3052,"end":2540.8052,"sentiment":"neutral","sentiment_score":0.0292171873152256},{"text":"I also have two motor vehicles, both about 5,000.","start":2541.105,"end":2545.365,"sentiment":"neutral","sentiment_score":0.018413195490009256},{"text":"Perfect.","start":2546.865,"end":2547.185,"sentiment":"neutral","sentiment_score":0.09055054932832718},{"text":"And nothing owing there either?","start":2547.185,"end":2548.725,"sentiment":"neutral","sentiment_score":0.003318358398973942},{"text":"No.","start":2549.825,"end":2550.145,"sentiment":"neutral","sentiment_score":-0.0008261222392320633}],"sentiment":"neutral","sentiment_score":0.01772071563583963,"num_words":17,"start":2540.3052,"end":2550.145},{"sentences":[{"text":"Great.","start":2550.145,"end":2550.645,"sentiment":"neutral","sentiment_score":0.10881366580724716},{"text":"I also have here a credit card of about 6,000 and a NAB credit card about 2.","start":2551.185,"end":2556.85,"sentiment":"neutral","sentiment_score":0.05724962559693},{"text":"Yep.","start":2558.51,"end":2559.01,"sentiment":"neutral","sentiment_score":0.06021546572446823},{"text":"Perfect.","start":2559.55,"end":2560.05,"sentiment":"neutral","sentiment_score":0.1039249375462532},{"text":"Any other new assets or any other liabilities in the last twelve months?","start":2560.35,"end":2565.09,"sentiment":"neutral","sentiment_score":0.01693686105024356}],"sentiment":"neutral","sentiment_score":0.04443566357208924,"num_words":33,"start":2550.145,"end":2565.09},{"sentences":[{"text":"No.","start":2566.605,"end":2567.105,"sentiment":"neutral","sentiment_score":-0.07408802956342697},{"text":"No.","start":2567.405,"end":2567.725,"sentiment":"neutral","sentiment_score":-0.04178006947040558},{"text":"Great.","start":2567.725,"end":2568.225,"sentiment":"neutral","sentiment_score":0.07165679335594177},{"text":"Perfect.","start":2568.285,"end":2568.785,"sentiment":"neutral","sentiment_score":0.08735671639442444},{"text":"When it comes to health and lifestyle, I have you down here as a nonsmoker.","start":2570.845,"end":2574.465,"sentiment":"neutral","sentiment_score":0.014593188588817915}],"sentiment":"neutral","sentiment_score":0.013791749449936967,"num_words":19,"start":2566.605,"end":2574.465},{"sentences":[{"text":"That's still the case?","start":2574.925,"end":2576.065,"sentiment":"neutral","sentiment_score":0.004859668513290671},{"text":"Perfect.","start":2577.165,"end":2577.665,"sentiment":"neutral","sentiment_score":0.08653172105550766},{"text":"And have you had any changes to your health at all in the last twelve months Or everything's all good?","start":2577.885,"end":2583.8599,"sentiment":"neutral","sentiment_score":0.039829015359282495},{"text":"Yeah.","start":2585.2,"end":2585.68,"sentiment":"neutral","sentiment_score":0.25468921661376953},{"text":"Okay.","start":2585.68,"end":2586.0798,"sentiment":"positive","sentiment_score":0.37864190340042114}],"sentiment":"neutral","sentiment_score":0.05688451193735226,"num_words":27,"start":2574.925,"end":2586.0798},{"sentences":[{"text":"Perfect.","start":2586.0798,"end":2586.5798,"sentiment":"positive","sentiment_score":0.626751184463501},{"text":"Estate planning wise, I have you here as you have a current will in place?","start":2587.8398,"end":2592.8198,"sentiment":"neutral","sentiment_score":0.3275798767805099},{"text":"Yeah.","start":2594.335,"end":2594.835,"sentiment":"neutral","sentiment_score":0.1137850061058998},{"text":"And do you have a power of attorney as well, nomination?","start":2594.895,"end":2597.955,"sentiment":"neutral","sentiment_score":0.09745867347175424},{"text":"No.","start":2600.335,"end":2600.835,"sentiment":"neutral","sentiment_score":-0.046695031225681305}],"sentiment":"neutral","sentiment_score":0.23033050756002293,"num_words":29,"start":2586.0798,"end":2600.835},{"sentences":[{"text":"But you don't have anyone who makes, you know, any financial decisions on your behalf at all?","start":2601.7751,"end":2606.34,"sentiment":"neutral","sentiment_score":-0.08075872238944559},{"text":"No.","start":2606.34,"end":2606.84,"sentiment":"neutral","sentiment_score":-0.07398322969675064},{"text":"Perfect.","start":2608.1,"end":2608.6,"sentiment":"neutral","sentiment_score":0.21580879390239716},{"text":"Now anything else that's changed that we haven't gone over?","start":2610.1802,"end":2613.6401,"sentiment":"neutral","sentiment_score":0.049845413863658906},{"text":"No.","start":2615.4602,"end":2615.7002,"sentiment":"neutral","sentiment_score":0.013078931719064713}],"sentiment":"neutral","sentiment_score":-0.02398465486864249,"num_words":30,"start":2601.7751,"end":2615.7002},{"sentences":[{"text":"Okay.","start":2615.7002,"end":2616.1802,"sentiment":"neutral","sentiment_score":0.17177262902259827},{"text":"Perfect.","start":2616.1802,"end":2616.6802,"sentiment":"positive","sentiment_score":0.3819453120231629},{"text":"And I guess kind of goals that you're working on in the next twelve months, the main focus is obviously doing that super rotation for you, making sure it's doing the best that it can.","start":2617.3801,"end":2627.115,"sentiment":"positive","sentiment_score":0.39554702086108073},{"text":"Potentially, obviously, you and your partner looking at the potential business and then obviously saving to buy that house for your son.","start":2628.135,"end":2636.0752,"sentiment":"positive","sentiment_score":0.37100777571851556},{"text":"Any other goals that you're working through or anything else that you need assistance with?","start":2637.23,"end":2643.01,"sentiment":"neutral","sentiment_score":0.13907437920570373}],"sentiment":"neutral","sentiment_score":0.3330560868253579,"num_words":74,"start":2615.7002,"end":2643.01},{"sentences":[{"text":"Mhmm.","start":2652.125,"end":2652.625,"sentiment":"neutral","sentiment_score":-0.0011560618877410889},{"text":"Mhmm.","start":2660.22,"end":2660.72,"sentiment":"neutral","sentiment_score":0.011697578243911266},{"text":"Yep.","start":2666.2275,"end":2666.7275,"sentiment":"neutral","sentiment_score":-0.018490826711058617},{"text":"Yes.","start":2673.2751,"end":2673.675,"sentiment":"neutral","sentiment_score":0.027929281815886497},{"text":"Yes.","start":2673.675,"end":2674.175,"sentiment":"neutral","sentiment_score":0.04543603956699371}],"sentiment":"neutral","sentiment_score":0.013083202205598355,"num_words":5,"start":2652.125,"end":2674.175},{"sentences":[{"text":"That's correct.","start":2674.7952,"end":2675.5952,"sentiment":"neutral","sentiment_score":0.0998825691640377},{"text":"Yes.","start":2675.5952,"end":2676.0952,"sentiment":"neutral","sentiment_score":0.03115723840892315},{"text":"If it's directly tax related, it would be the accountant.","start":2689.85,"end":2693.15,"sentiment":"neutral","sentiment_score":-0.060592508688569066},{"text":"But from an investment point of view, for for tax purposes, the the only way that you wouldn't would either be putting some in superannuation, but then you don't pay it.","start":2693.29,"end":2706.7249,"sentiment":"neutral","sentiment_score":-0.03654418423050834},{"text":"Or if no.","start":2707.345,"end":2711.84,"sentiment":"neutral","sentiment_score":-0.056482115760445595}],"sentiment":"neutral","sentiment_score":-0.03568763337395293,"num_words":47,"start":2674.7952,"end":2711.84},{"sentences":[{"text":"You can make lump sums into superannuation as well, but there are restrictions on how much you could put in and also if you wanted before or after tax.","start":2711.84,"end":2723.3801,"sentiment":"neutral","sentiment_score":-0.06980185647462976},{"text":"But there is definitely that you can put some into superannuation for sure.","start":2724.96,"end":2731.7751,"sentiment":"neutral","sentiment_score":0.052488731363644965},{"text":"And you can also look at investment bond.","start":2733.5151,"end":2739.215,"sentiment":"neutral","sentiment_score":0.05491698859259486},{"text":"That would be if you are looking from an investment that is tax effective and you don't pay that personal it doesn't get added to your taxable income, then in that no.","start":2740.78,"end":2757.165,"sentiment":"neutral","sentiment_score":0.0921076262020506},{"text":"It's it's very different.","start":2757.165,"end":2758.625,"sentiment":"neutral","sentiment_score":-0.05843611806631088}],"sentiment":"neutral","sentiment_score":0.021059710987258787,"num_words":86,"start":2711.84,"end":2758.625},{"sentences":[{"text":"It's it is they call it investment bonds, but it's still that's just kind of how it's held in that environment.","start":2758.685,"end":2766.385,"sentiment":"neutral","sentiment_score":-0.0064629658868181564},{"text":"You can still with within it, so it's not a bond per se that it's just kind of the name convention of it.","start":2767.04,"end":2772.74,"sentiment":"neutral","sentiment_score":0.03113465780473274},{"text":"You can still yeah.","start":2773.04,"end":2774.56,"sentiment":"neutral","sentiment_score":0.15103392489254475},{"text":"You can invest.","start":2774.56,"end":2775.28,"sentiment":"neutral","sentiment_score":0.29077722628911334},{"text":"You can invest in Vanguard, for example.","start":2775.28,"end":2777.22,"sentiment":"neutral","sentiment_score":0.2841032083545412}],"sentiment":"neutral","sentiment_score":0.06975111522077551,"num_words":58,"start":2758.685,"end":2777.22},{"sentences":[{"text":"You can invest in different equities and stuff like that within it.","start":2777.44,"end":2781.46,"sentiment":"neutral","sentiment_score":0.2951861123243968},{"text":"It's just kind of how yes.","start":2782.315,"end":2787.835,"sentiment":"positive","sentiment_score":0.3553369380533695},{"text":"Yes.","start":2787.835,"end":2788.335,"sentiment":"neutral","sentiment_score":0.07067088782787323},{"text":"Yes and no.","start":2789.115,"end":2790.175,"sentiment":"neutral","sentiment_score":0.07010270530978839},{"text":"So that depending on which company, which bond you would go with, there are different goals.","start":2790.235,"end":2795.8801,"sentiment":"neutral","sentiment_score":0.08841278101317585}],"sentiment":"neutral","sentiment_score":0.19394311779423765,"num_words":38,"start":2777.44,"end":2795.8801},{"sentences":[{"text":"But some of the the biggest ones that we do tend to look at in these instances, they are that you can put it in and you can technically take it out tomorrow.","start":2796.74,"end":2806.34,"sentiment":"neutral","sentiment_score":0.24429917154890118},{"text":"It's not with superannuation where it gets locked in to retirement.","start":2806.34,"end":2810.195,"sentiment":"neutral","sentiment_score":0.04612854868173599},{"text":"You can put it in, and you can take it out whenever you want to.","start":2810.735,"end":2813.875,"sentiment":"neutral","sentiment_score":0.17732522239287693},{"text":"The the tricky part is to make it tax effective.","start":2814.3352,"end":2817.7952,"sentiment":"neutral","sentiment_score":-0.16881277039647102},{"text":"So there are time constraints of how long you need to keep it in the bond to get those tax concessions.","start":2818.495,"end":2827.02,"sentiment":"neutral","sentiment_score":-0.11489117429369972}],"sentiment":"neutral","sentiment_score":0.07920358520415094,"num_words":90,"start":2796.74,"end":2827.02},{"sentences":[{"text":"And, typically, that's about ten years.","start":2827.72,"end":2830.0598,"sentiment":"neutral","sentiment_score":-0.043509368474284806},{"text":"So it's kind of locking it in for ten years because if you take it out after ten years, it doesn't form palm of the taxable income, and you also don't pay any capital gains tax personally.","start":2830.5999,"end":2843.885,"sentiment":"neutral","sentiment_score":0.08386348489973997},{"text":"So it is quite tax effective if that's what you are kind of looking for, but we do typically say that ten year time frame to to get those concessions.","start":2845.385,"end":2858.4602,"sentiment":"neutral","sentiment_score":0.2619613895813624},{"text":"Because if you take it out before that time frame, it would just kind of pay like your normal investments.","start":2858.4602,"end":2863.26,"sentiment":"neutral","sentiment_score":0.13371332064270974},{"text":"You would still have to pay the tax on that.","start":2863.26,"end":2865.9202,"sentiment":"neutral","sentiment_score":0.10441968813538552}],"sentiment":"neutral","sentiment_score":0.13999221079702517,"num_words":103,"start":2827.72,"end":2865.9202},{"sentences":[{"text":"What will you earn on the investment?","start":2874.955,"end":2876.735,"sentiment":"neutral","sentiment_score":0.3045524912221091},{"text":"It would depend on the the which one of the investments you choose because there's there's a range of different investment you can choose from.","start":2878.395,"end":2885.44,"sentiment":"neutral","sentiment_score":0.2278717663884163},{"text":"So it depends yeah.","start":2885.5,"end":2890.7,"sentiment":"neutral","sentiment_score":0.15781745687127113},{"text":"So you can go into it's kind of the same thing.","start":2890.7,"end":2893.9001,"sentiment":"neutral","sentiment_score":0.15857047655365683},{"text":"So you can go in and do Vanguard, and you can have it within the bond.","start":2893.9001,"end":2898.665,"sentiment":"neutral","sentiment_score":0.14401261461898685}],"sentiment":"neutral","sentiment_score":0.1985461666943535,"num_words":63,"start":2874.955,"end":2898.665},{"sentences":[{"text":"It depends on which because Vanguard have a range of different products.","start":2898.665,"end":2902.205,"sentiment":"neutral","sentiment_score":0.13527488087614378},{"text":"So the return depend on which one, which risk allocation and stuff like that.","start":2903.065,"end":2908.925,"sentiment":"neutral","sentiment_score":0.11115413372005735},{"text":"But if it is something you are either wanting to look at now or a bit later once we sort out your super, it is something we can help you with.","start":2909.625,"end":2917.7798,"sentiment":"positive","sentiment_score":0.3963412555956071},{"text":"So if it is that you go to me because it also depends on how much you are wanting to put in.","start":2918.16,"end":2925.0398,"sentiment":"neutral","sentiment_score":0.13922846080227333},{"text":"But if you go, you know what?","start":2925.0398,"end":2927.055,"sentiment":"neutral","sentiment_score":0.08554725881133761}],"sentiment":"neutral","sentiment_score":0.22241735250450845,"num_words":86,"start":2898.665,"end":2927.055},{"sentences":[{"text":"I have 10,000 or 20,000 or 50, whatever it might be, and you go, you know what?","start":2927.055,"end":2932.175,"sentiment":"neutral","sentiment_score":0.09225225667743121},{"text":"I would like to see what this looks like.","start":2932.175,"end":2934.515,"sentiment":"neutral","sentiment_score":0.23665059275097317},{"text":"Then I can go and do the research for you and put together a a strategy and show you what it would look like.","start":2935.2148,"end":2942.97,"sentiment":"neutral","sentiment_score":0.30273037527998287},{"text":"And yeah.","start":2945.1099,"end":2946.95,"sentiment":"neutral","sentiment_score":0.24700601398944855},{"text":"So it's definitely something we can look at as part of, you know, the research and everything for you, Whether that is something you would like to kind of explore further now or whether you wanna focus on your super and do those reviews and investments, and then we can maybe revisit the other investments either when you are ready or in six months or our next annual review whenever you would like, we can do that as well.","start":2946.95,"end":2971.1301,"sentiment":"neutral","sentiment_score":0.27518656104803085}],"sentiment":"neutral","sentiment_score":0.2534154431738016,"num_words":131,"start":2927.055,"end":2971.1301},{"sentences":[{"text":"Yes.","start":2973.4302,"end":2973.6702,"sentiment":"neutral","sentiment_score":0.2545046806335449},{"text":"You can you can contact me whenever.","start":2973.6702,"end":2975.27,"sentiment":"neutral","sentiment_score":0.2630146805729185},{"text":"You can call me tomorrow or in a month or in six months or whenever you wanna look at it.","start":2975.27,"end":2980.47,"sentiment":"neutral","sentiment_score":0.22778413891792298},{"text":"You can just call and say that you would like an appointment to talk about investment options, and then we can definitely explore that further.","start":2980.47,"end":2989.245,"sentiment":"neutral","sentiment_score":0.32968697607517244},{"text":"Yeah.","start":2990.985,"end":2991.485,"sentiment":"positive","sentiment_score":0.36619675159454346}],"sentiment":"neutral","sentiment_score":0.2825863217865979,"num_words":54,"start":2973.4302,"end":2991.485},{"sentences":[{"text":"Or you can even respond to the email when we send you the account and information.","start":2991.545,"end":2995.805,"sentiment":"positive","sentiment_score":0.3407735750079155},{"text":"You can just say, hey.","start":2995.865,"end":2996.585,"sentiment":"neutral","sentiment_score":0.2700655460357666},{"text":"Can I book an appointment to talk about investment?","start":2996.585,"end":2999.54,"sentiment":"positive","sentiment_score":0.3365344868765937},{"text":"And then we can do it as well.","start":2999.6802,"end":3001.3,"sentiment":"neutral","sentiment_score":0.3125644586980343},{"text":"Yeah.","start":3001.4402,"end":3001.9402,"sentiment":"neutral","sentiment_score":0.10001688450574876}],"sentiment":"neutral","sentiment_score":0.31877045810986787,"num_words":39,"start":2991.545,"end":3001.9402},{"sentences":[{"text":"So I'll add a little note to say that it might be something we wanna explore down the track as well.","start":3002.48,"end":3007.3,"sentiment":"neutral","sentiment_score":0.10767785353319985},{"text":"Yeah.","start":3008.48,"end":3008.9602,"sentiment":"neutral","sentiment_score":0.05458604544401169},{"text":"Now the last question I had here, Troy, was in regards to your beneficiary nomination.","start":3008.9602,"end":3015.265,"sentiment":"neutral","sentiment_score":0.04112279079854488},{"text":"So that is if something were to happen to you, who you want to nominate for your superannuation?","start":3015.645,"end":3021.825,"sentiment":"neutral","sentiment_score":0.030704418611195352},{"text":"Because at the moment, we don't have anyone, Declan.","start":3022.125,"end":3025.265,"sentiment":"neutral","sentiment_score":-0.02755417488515377}],"sentiment":"neutral","sentiment_score":0.050583668635226786,"num_words":64,"start":3002.48,"end":3025.265},{"sentences":[{"text":"Yep.","start":3025.325,"end":3025.825,"sentiment":"neutral","sentiment_score":0.03609054163098335},{"text":"Now to to make the nomination, because you are making a legal nomination, you have to sign the form and get out to witness it.","start":3027.2449,"end":3037.5798,"sentiment":"neutral","sentiment_score":0.040581499636173246},{"text":"So it can be any anyone as long as not the person you are nominating.","start":3038.04,"end":3043.8352,"sentiment":"neutral","sentiment_score":0.017309411242604256},{"text":"Yep.","start":3045.2551,"end":3045.7551,"sentiment":"neutral","sentiment_score":0.01982033997774124},{"text":"Two people.","start":3047.3352,"end":3048.0752,"sentiment":"neutral","sentiment_score":0.013026837259531021}],"sentiment":"neutral","sentiment_score":0.030821436719799585,"num_words":44,"start":3025.325,"end":3048.0752},{"sentences":[{"text":"Yep.","start":3049.415,"end":3049.915,"sentiment":"neutral","sentiment_score":0.03255888819694519},{"text":"Now do you have access to a printer, or would you like us to express post the form to you?","start":3052.2952,"end":3060.24,"sentiment":"neutral","sentiment_score":0.03314068894833326},{"text":"You do?","start":3062.86,"end":3063.5,"sentiment":"neutral","sentiment_score":0.038411568850278854},{"text":"Okay.","start":3063.5,"end":3064.0,"sentiment":"neutral","sentiment_score":0.05854864418506622},{"text":"So what I'll get the team to do is they'll email you the form for Netwealth for your super.","start":3064.22,"end":3070.445,"sentiment":"neutral","sentiment_score":0.09143690706083649}],"sentiment":"neutral","sentiment_score":0.05972199263267739,"num_words":43,"start":3049.415,"end":3070.445},{"sentences":[{"text":"There is a cover letter as well because there's different type of nominations that you can make.","start":3071.065,"end":3075.885,"sentiment":"neutral","sentiment_score":0.06602862619740121},{"text":"Have a read through it.","start":3076.985,"end":3078.01,"sentiment":"neutral","sentiment_score":0.09095154106616973},{"text":"If you have any questions or you're not sure, you can always give me a call and we can talk through it.","start":3078.01,"end":3082.35,"sentiment":"neutral","sentiment_score":0.05932845031334595},{"text":"Otherwise, complete that, send it back to us, and then I will get that uploaded to Netwealth to make sure that if something happens, it goes to him.","start":3082.6501,"end":3091.695,"sentiment":"neutral","sentiment_score":0.10404960079384702},{"text":"Yep.","start":3093.7751,"end":3094.2751,"sentiment":"neutral","sentiment_score":0.13033492863178253}],"sentiment":"neutral","sentiment_score":0.08118073984164081,"num_words":73,"start":3071.065,"end":3094.2751},{"sentences":[{"text":"Now, Troy, do you have any other questions for me, or is there anything else that you need at at this point?","start":3095.695,"end":3100.5151,"sentiment":"neutral","sentiment_score":0.10284165750173005},{"text":"No.","start":3101.935,"end":3102.435,"sentiment":"neutral","sentiment_score":-0.11006182432174684},{"text":"Okay.","start":3102.575,"end":3103.075,"sentiment":"neutral","sentiment_score":0.18689416348934176},{"text":"Perfect.","start":3103.135,"end":3103.635,"sentiment":"positive","sentiment_score":0.3403242826461792},{"text":"So I'll refresh and see if those documents if that all came through signed okay, I will get that uploaded through Netwealth.","start":3103.95,"end":3111.01,"sentiment":"neutral","sentiment_score":0.15581959892402997}],"sentiment":"neutral","sentiment_score":0.1299511545357552,"num_words":47,"start":3095.695,"end":3111.01},{"sentences":[{"text":"But, you know, as with anything, it is not a lock in contract.","start":3111.39,"end":3114.13,"sentiment":"neutral","sentiment_score":-0.1660417622098556},{"text":"So at any point in time, you are not happy with the service.","start":3114.27,"end":3116.83,"sentiment":"negative","sentiment_score":-0.47224513040139127},{"text":"If there is no lock in contract, the signing those documents just allows us to at least service your account in the meantime and do all of this for you.","start":3116.83,"end":3125.295,"sentiment":"neutral","sentiment_score":0.2179859972248475},{"text":"And, yeah, definitely then speak through the the people with the the superannuation as well to see where those contributions are.","start":3125.595,"end":3133.8,"sentiment":"neutral","sentiment_score":0.1628892102411815},{"text":"And as soon as I find out from the ATO, I will also let you know.","start":3133.8801,"end":3137.9001,"sentiment":"neutral","sentiment_score":0.12284715892747045}],"sentiment":"neutral","sentiment_score":0.03901159430864037,"num_words":93,"start":3111.39,"end":3137.9001},{"sentences":[{"text":"But, otherwise, I will do this research on your account.","start":3138.04,"end":3141.24,"sentiment":"neutral","sentiment_score":0.03053779024630785},{"text":"Now it might take a couple of weeks for me to put everything together.","start":3141.24,"end":3144.3,"sentiment":"neutral","sentiment_score":-0.030759680484022413},{"text":"Perfect.","start":3145.1602,"end":3145.6602,"sentiment":"positive","sentiment_score":0.5413945317268372},{"text":"As soon as I have it, though, Troy, I will give you a call, and I will run through the changes.","start":3146.295,"end":3150.4749,"sentiment":"neutral","sentiment_score":0.22192646208263578},{"text":"And then you can let me know what what you think.","start":3151.895,"end":3154.7148,"sentiment":"neutral","sentiment_score":0.2554270056161014}],"sentiment":"neutral","sentiment_score":0.13835595917414156,"num_words":57,"start":3138.04,"end":3154.7148},{"sentences":[{"text":"Yep.","start":3156.1348,"end":3156.6348,"sentiment":"positive","sentiment_score":0.5229625701904297},{"text":"No problem at all.","start":3157.0947,"end":3157.9749,"sentiment":"positive","sentiment_score":0.7456270903348923},{"text":"I hope you have a lovely rest of your day, and I look forward to speaking with you soon again.","start":3157.9749,"end":3162.2349,"sentiment":"positive","sentiment_score":0.7480029225349426},{"text":"Thanks, Troy.","start":3162.6147,"end":3163.515,"sentiment":"positive","sentiment_score":0.5389055907726288},{"text":"Bye.","start":3164.055,"end":3164.555,"sentiment":"neutral","sentiment_score":-0.1139812022447586}],"sentiment":"positive","sentiment_score":0.693905691483191,"num_words":28,"start":3156.1348,"end":3164.555}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Yeah. Good. Thank you. Yeah. Sure. Yeah. Sure. Yeah. Troy Matthew Peasley. 111711 Poole Street in Eglington, New South Wales 2795. I just woke up, so it's been alright. Sounds good. I spoke to the whoever rang me, and I explained a few things. Did they write them down for you or not really? Very simple. Yep. No. We'll be find out our contributions. So we've had to pay through the ATO. So I don't know what they do with it. I just pay x amount per per week. So I don't know what happens with that. Okay. And what was that? Was it $300? Or I'll have to speak to them because I'm paying x amount to catch up on all our our super. I don't know where that goes. Or is it when it's all caught up, they put it in? Or Yep. Yep. Uh-huh. Yep. Yep. Eight times. It's been a couple of years. In in regards to Bendigo, I know their rate of return is rate of investment is 38%. So I I just see where where how how it's tracking because we're getting a bit older. And, obviously, the stoop is not there. I need to see where what we can do to try to increase it. Yep. What email? Just then, was it? Yeah. Yeah. Yeah. I got it out. Yep. Yep. I'm fine. Okay. The first one is representative to hold my tax phone number in a secure location. Yep. There's no link. I've got signature and date. Yep. So I'll sign that for you. Yeah. Yeah. The going down, is it? It's got my tax file number, and it needs a signature, name, and date signed. Yep. Yep. Do you want another is there another one? Add the fees? But we haven't discussed anything yet. So we we're signing something before we haven't before we've discussed. You know what I mean? Yeah. And that's the only one, is it? Yeah. It says next, but it obviously, it's on the next one. Yeah. It says structure and contributions. Is that it? No. It's not just get it back. Yep. Yep. Yep. I feel service guide. Isn't that it? Financial services guide. Yeah. Yeah. Yep. Sure. Yep. Super summary. Yep. Yep. Yep. 100 and 50 6. Yep. No. No. I've just got the summary. It must be the next one down that I was supposed to look at. Yep. Do I click on something? Because there's nothing there. Okay. It says superannuation net wealth. Their member number, approximate Benefit, 156.52910. And then I gave down you currently do not hold any insurance or investment accounts, and that's it. So get ahead of that one, which is my name. And there's two lots there. Second one, super summary. Not that one. Sorry. Let's see that. I'm okay. That one. Yeah. It's got the the breakdown. Yep. Yeah. Michelle's. Yes. What what is Bang Along? What what are they? They just oh, a oh, okay. Just Australian equities they use or the yep. Yep. Yep. So the futures so the trading would it be? Oh, I'm safe. I don't work. Right? Yep. Yep. Yep. Yep. Yep. Mhmm. Yeah. Okay. Hello. Don't be. Yes. Yes. Yes. Sure. Yep. Yep. So is it the same sort of thing you're looking at, one of those equity funds that try to predict the the better business or something will will thrive and their shares will increase, or do you look at their different options? Okay. Yes. Yes. Yeah. It does. Yeah. Yes. Yes. Yep. 10 years. Ten years. That's it. That's the max. It's not earlier, but ten years. Okay. Sure. Yeah. Sure. For my kids, I have. And currently looking at doing some shares thing a share thing just to increase income when I retire. Yeah. Yeah. Yeah. I'm I'm willing to take a pretty high risk because they there'll be an election in a few years, and the way the data is showing is we might have someone else in there that can probably help the economy a bit better than what is currently happening. I think there's too much government spending currently, and that's increasing in place. Yeah. Yeah. Sure. Sure. Yes. Yep. It'd be con concerning, but it's in a high risk one. You're looking you you you you have the upsell down. It'll go down, and then it come back up. But it's not that concerning because it will come back up. If the market's down. Yeah. Just to try to gain that that extra extra money. Long term aid and above. I I wanna be with the company that is going out there and and doing the best they can. Be in the in the top of the super funds, not mediocre or below. I want you to work for my money. Yeah. Yeah. Yeah. In the position I'm in now, yes. Because I I got ten years, and I haven't got not enough. Yeah. I am. But, again, I'm looking for the the best I can get, the best company that I can get to give the work, the investments the best they can and be be up there as either market leaders or quite high up there. Next page, did you say, or next? Mhmm. Oh, the next. Okay. Okay. Oh, gone in. Sorry. Next one. Vendegaard. Obviously, people are talking about Vendegaard, aren't they? Well, they're in the top three percent. Like, top three trading companies in the world, I believe. Is that correct? Yep. Yep. Yes. Yep. Yep. A 100%. Yeah. Yep. How about gold? Is that a gold and silver? Yep. Yeah. Did I do silver too or it's just gold? Oh, okay. It's just gold and silver. Yeah. Hand in hand. If gold rises, silver increases too. That's accurate? Oh, yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Yeah. Just to have a look. But if it's gonna be detrimental to other investments, well, don't worry. It's cool. Yeah. Thank you. Yes. Yeah. Yeah. Yeah. As long as the returns are there, that that's fine. It sorta level itself out. You've got one which steadily grows and the rest are smashing it, hopefully. Yeah. And I will speak to the anointing team. Thank you. Yep. Yep. Obviously, depends on how far I don't know how much money you need for that, but that's why I'm diversing with the cash I've got. I can try to supersede that because I don't know if there's enough money there for a thousand dollars. Yeah. There's a couple of things. I'll just tell you where where the direction we're going and what you think. So, yep. You alright? Where were you at? Yep. Yes. It will be changing halfway through the year. Yeah. What's the fact that they're just living together? Yeah. Yeah. Yeah. Yeah. They are they're both at uni. Well, one's going to uni hopefully, 21 and 19. But whilst they're at uni, we I help them survive the uni. Yeah. Okay. Would be yep. Deco, Easley, d e c l a n, t e I s l e y. That's my phone. 8429 +1 62 2 5 7. No. Not currently, but we're looking at buying a business that I don't know. This is Mhmm. With my partner. Yeah. So we're just weighing things up what would be best. K? If an opportunity comes or within six to twelve months. Yeah. Yeah. It's a company. So just a contractor for Goodman Fielder. They're already signed. Yep. So the issue I've had is I do nights. Had a bookkeeper, and I don't know what happened. She's she's not bookkeeping anymore and wanting the time to do everything is a problem I have. So I've just got a I've had a few dramas in the past because of this, and I haven't corrected it. So I'm just currently going through that to try to correct it. So that's why we have an issue with the super because it's a sale. The next week, but now super starting halfway through the year, you gotta pay it that that same time you pay the wages, which will make it a lot easier, but still gotta get the rest of it super. Sure. I have an account, but a bookkeeper is probably the most important thing at the moment. But I'll take the information because the accountant if I can get better again, the person that can do the best for us. Yes. Yeah. Because yeah. All my things went. Yep. I do. But then sometimes my sons might need things for their uni. Yeah. But I need to fix that up a little bit too. So yeah. Which yes. They'll have it, but I wanna sell it and purchase a house for for my kids. So that's the direction we're going. I don't know. Like, they're saving some money too. That's why I can help them so they can save their money and purchase a a property, and then they'll be right on a couple of properties. It it's it's it's it was 90, but when I've looked on car sales and that, people are selling for $55.60. Yeah. Roughly. I pay a thousand dollars a week trying to get it down. Else. Yeah. Yeah. Yeah. No. No. Yeah. Yeah. No. Yeah. That's correct. Not currently. Yep. Everything's just alright. Yeah. Yes. Nine nine. No. Yeah. Just if we do purchase a business, there's a bit of money there, and it's just in a normal account, and it's earning interest. But we obviously pay tax on that. That's correct, isn't it? It's classed as an income. Should it be put in different account that is there any account where you don't pay tax, or is there a way not to pay tax, or do I have to see an accountant for that? Yep. But you can only pay a percentage. Is that right? Yeah. Would that be, like, treasury bonds and things like that? Or Yeah. Yep. Oh, okay. Is it easy to get the money out if you needed it or that's it? Because there's a lot of restrictions. Yep. Yep. Yeah. Yes. Is it is the the percentage you're in on it? Is it is it quite competitive? Yes. So let's just try Vendergard because we talked about Vendergard. Yeah. Okay. Yep. Okay. Yeah. Yeah. So we can contact you. Yes. Yep. Cool. Yes. Yes. That'll be back. One sec. Yep. Yes. Who is your witness, sir? Anyone? Alright. Gonna be one person or two? Yeah. Okay. So Deckard Lane Hudson. Yeah. I'll get Nextiva too, Franco. Yep. Yeah. Yep. Yep. Cool. No. That's it. Thank you. Yep. Yes. Sure. Okay. Yeah. That's cool. That's fine. Okay. Thank you. You too. Thank you. 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Yep. Yeah. Good. Thank you.\n\nYeah. Sure. Yeah. Sure. Yeah.\n\nTroy Matthew Peasley. 111711 Poole Street in Eglington, New South Wales 2795. I just woke up, so it's been alright. Sounds good. I spoke to the whoever rang me, and I explained a few things.\n\nDid they write them down for you or not really? Very simple. Yep. No. We'll be find out our contributions.\n\nSo we've had to pay through the ATO. So I don't know what they do with it. I just pay x amount per per week. So I don't know what happens with that. Okay.\n\nAnd what was that? Was it $300? Or I'll have to speak to them because I'm paying x amount to catch up on all our our super. I don't know where that goes. Or is it when it's all caught up, they put it in?\n\nOr Yep. Yep. Uh-huh. Yep. Yep.\n\nEight times. It's been a couple of years. In in regards to Bendigo, I know their rate of return is rate of investment is 38%. So I I just see where where how how it's tracking because we're getting a bit older. And, obviously, the stoop is not there.\n\nI need to see where what we can do to try to increase it. Yep. What email? Just then, was it? Yeah.\n\nYeah. Yeah. I got it out. Yep. Yep.\n\nI'm fine. Okay. The first one is representative to hold my tax phone number in a secure location. Yep. There's no link.\n\nI've got signature and date. Yep. So I'll sign that for you. Yeah. Yeah.\n\nThe going down, is it? It's got my tax file number, and it needs a signature, name, and date signed. Yep. Yep. Do you want another is there another one?\n\nAdd the fees? But we haven't discussed anything yet. So we we're signing something before we haven't before we've discussed. You know what I mean? Yeah.\n\nAnd that's the only one, is it? Yeah. It says next, but it obviously, it's on the next one. Yeah. It says structure and contributions.\n\nIs that it? No. It's not just get it back. Yep. Yep.\n\nYep. I feel service guide. Isn't that it? Financial services guide. Yeah.\n\nYeah. Yep. Sure. Yep. Super summary.\n\nYep. Yep. Yep. 100 and 50 6. Yep.\n\nNo. No. I've just got the summary. It must be the next one down that I was supposed to look at. Yep.\n\nDo I click on something? Because there's nothing there. Okay. It says superannuation net wealth. Their member number, approximate Benefit, 156.52910.\n\nAnd then I gave down you currently do not hold any insurance or investment accounts, and that's it. So get ahead of that one, which is my name. And there's two lots there. Second one, super summary. Not that one.\n\nSorry. Let's see that. I'm okay. That one. Yeah.\n\nIt's got the the breakdown. Yep. Yeah. Michelle's. Yes.\n\nWhat what is Bang Along? What what are they? They just oh, a oh, okay. Just Australian equities they use or the yep. Yep.\n\nYep. So the futures so the trading would it be? Oh, I'm safe. I don't work. Right?\n\nYep. Yep. Yep. Yep. Yep.\n\nMhmm. Yeah. Okay. Hello. Don't be.\n\nYes. Yes. Yes. Sure. Yep.\n\nYep. So is it the same sort of thing you're looking at, one of those equity funds that try to predict the the better business or something will will thrive and their shares will increase, or do you look at their different options? Okay. Yes. Yes.\n\nYeah. It does. Yeah. Yes. Yes.\n\nYep. 10 years. Ten years. That's it. That's the max.\n\nIt's not earlier, but ten years. Okay. Sure. Yeah. Sure.\n\nFor my kids, I have. And currently looking at doing some shares thing a share thing just to increase income when I retire. Yeah. Yeah. Yeah.\n\nI'm I'm willing to take a pretty high risk because they there'll be an election in a few years, and the way the data is showing is we might have someone else in there that can probably help the economy a bit better than what is currently happening. I think there's too much government spending currently, and that's increasing in place. Yeah. Yeah. Sure.\n\nSure. Yes. Yep. It'd be con concerning, but it's in a high risk one. You're looking you you you you have the upsell down.\n\nIt'll go down, and then it come back up. But it's not that concerning because it will come back up. If the market's down. Yeah. Just to try to gain that that extra extra money.\n\nLong term aid and above. I I wanna be with the company that is going out there and and doing the best they can. Be in the in the top of the super funds, not mediocre or below. I want you to work for my money. Yeah.\n\nYeah. Yeah. In the position I'm in now, yes. Because I I got ten years, and I haven't got not enough. Yeah.\n\nI am. But, again, I'm looking for the the best I can get, the best company that I can get to give the work, the investments the best they can and be be up there as either market leaders or quite high up there. Next page, did you say, or next? Mhmm. Oh, the next.\n\nOkay. Okay. Oh, gone in. Sorry. Next one.\n\nVendegaard. Obviously, people are talking about Vendegaard, aren't they? Well, they're in the top three percent. Like, top three trading companies in the world, I believe. Is that correct?\n\nYep. Yep. Yes. Yep. Yep.\n\nA 100%. Yeah. Yep. How about gold? Is that a gold and silver?\n\nYep. Yeah. Did I do silver too or it's just gold? Oh, okay. It's just gold and silver.\n\nYeah. Hand in hand. If gold rises, silver increases too. That's accurate? Oh, yeah.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yep. Yeah. Just to have a look. But if it's gonna be detrimental to other investments, well, don't worry.\n\nIt's cool. Yeah. Thank you. Yes. Yeah.\n\nYeah. Yeah. As long as the returns are there, that that's fine. It sorta level itself out. You've got one which steadily grows and the rest are smashing it, hopefully.\n\nYeah. And I will speak to the anointing team. Thank you. Yep. Yep.\n\nObviously, depends on how far I don't know how much money you need for that, but that's why I'm diversing with the cash I've got. I can try to supersede that because I don't know if there's enough money there for a thousand dollars. Yeah. There's a couple of things. I'll just tell you where where the direction we're going and what you think.\n\nSo, yep. You alright? Where were you at? Yep. Yes.\n\nIt will be changing halfway through the year. Yeah. What's the fact that they're just living together? Yeah. Yeah.\n\nYeah. Yeah. They are they're both at uni. Well, one's going to uni hopefully, 21 and 19. But whilst they're at uni, we I help them survive the uni.\n\nYeah. Okay. Would be yep. Deco, Easley, d e c l a n, t e I s l e y. That's my phone.\n\n8429 +1 62 2 5 7. No. Not currently, but we're looking at buying a business that I don't know. This is Mhmm. With my partner.\n\nYeah. So we're just weighing things up what would be best. K? If an opportunity comes or within six to twelve months. Yeah.\n\nYeah. It's a company. So just a contractor for Goodman Fielder. They're already signed. Yep.\n\nSo the issue I've had is I do nights. Had a bookkeeper, and I don't know what happened. She's she's not bookkeeping anymore and wanting the time to do everything is a problem I have. So I've just got a I've had a few dramas in the past because of this, and I haven't corrected it. So I'm just currently going through that to try to correct it.\n\nSo that's why we have an issue with the super because it's a sale. The next week, but now super starting halfway through the year, you gotta pay it that that same time you pay the wages, which will make it a lot easier, but still gotta get the rest of it super. Sure. I have an account, but a bookkeeper is probably the most important thing at the moment. But I'll take the information because the accountant if I can get better again, the person that can do the best for us.\n\nYes. Yeah. Because yeah. All my things went. Yep.\n\nI do. But then sometimes my sons might need things for their uni. Yeah. But I need to fix that up a little bit too. So yeah.\n\nWhich yes. They'll have it, but I wanna sell it and purchase a house for for my kids. So that's the direction we're going. I don't know. Like, they're saving some money too.\n\nThat's why I can help them so they can save their money and purchase a a property, and then they'll be right on a couple of properties. It it's it's it's it was 90, but when I've looked on car sales and that, people are selling for $55.60. Yeah. Roughly. I pay a thousand dollars a week trying to get it down.\n\nElse. Yeah. Yeah. Yeah. No.\n\nNo. Yeah. Yeah. No. Yeah.\n\nThat's correct. Not currently. Yep. Everything's just alright. Yeah.\n\nYes. Nine nine. No. Yeah. Just if we do purchase a business, there's a bit of money there, and it's just in a normal account, and it's earning interest.\n\nBut we obviously pay tax on that. That's correct, isn't it? It's classed as an income. Should it be put in different account that is there any account where you don't pay tax, or is there a way not to pay tax, or do I have to see an accountant for that? Yep.\n\nBut you can only pay a percentage. Is that right? Yeah. Would that be, like, treasury bonds and things like that? Or Yeah.\n\nYep. Oh, okay. Is it easy to get the money out if you needed it or that's it? Because there's a lot of restrictions. Yep.\n\nYep. Yeah. Yes. Is it is the the percentage you're in on it? Is it is it quite competitive?\n\nYes. So let's just try Vendergard because we talked about Vendergard. Yeah. Okay. Yep.\n\nOkay. Yeah. Yeah. So we can contact you. Yes.\n\nYep. Cool. Yes. Yes. That'll be back.\n\nOne sec. Yep. Yes. Who is your witness, sir? Anyone?\n\nAlright. Gonna be one person or two? Yeah. Okay. So Deckard Lane Hudson.\n\nYeah. I'll get Nextiva too, Franco. Yep. Yeah. Yep.\n\nYep. Cool. No. That's it. Thank you.\n\nYep. Yes. Sure. Okay. Yeah.\n\nThat's cool. That's fine. Okay. Thank you. You too.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.028116706758737564},{"text":"Yep.","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.12540608644485474},{"text":"Yeah.","start":9.679999,"end":10.0,"sentiment":"neutral","sentiment_score":0.24436601996421817},{"text":"Good.","start":10.0,"end":10.32,"sentiment":"positive","sentiment_score":0.5746678113937378},{"text":"Thank 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Peasley.","start":40.73,"end":42.03,"sentiment":"neutral","sentiment_score":0.010245390236377714},{"text":"111711 Poole Street in Eglington, New South Wales 2795.","start":42.415,"end":48.595,"sentiment":"neutral","sentiment_score":0.024081133512987032},{"text":"I just woke up, so it's been alright.","start":55.47,"end":57.81,"sentiment":"neutral","sentiment_score":0.17490362748503685},{"text":"Sounds good.","start":59.07,"end":59.89,"sentiment":"positive","sentiment_score":0.5514966696500778},{"text":"I spoke to the whoever rang me, and I explained a few things.","start":77.955,"end":85.7,"sentiment":"neutral","sentiment_score":-0.04939544028960741}],"sentiment":"neutral","sentiment_score":0.06021565736404487,"num_words":35,"start":40.73,"end":85.7},{"sentences":[{"text":"Did they write them down for you or not really?","start":85.7,"end":88.12,"sentiment":"neutral","sentiment_score":-0.06103527657687664},{"text":"Very simple.","start":103.845,"end":104.665,"sentiment":"neutral","sentiment_score":0.10324469581246376},{"text":"Yep.","start":112.86,"end":113.36,"sentiment":"neutral","sentiment_score":-0.1196494922041893},{"text":"No.","start":118.53999,"end":118.939995,"sentiment":"neutral","sentiment_score":-0.14593994617462158},{"text":"We'll be find out our contributions.","start":118.939995,"end":121.36,"sentiment":"neutral","sentiment_score":-0.1738790695865949}],"sentiment":"neutral","sentiment_score":-0.08563636150211096,"num_words":20,"start":85.7,"end":121.36},{"sentences":[{"text":"So we've had to pay through the ATO.","start":122.86,"end":124.96,"sentiment":"neutral","sentiment_score":-0.2008086647838354},{"text":"So I don't know what they do with it.","start":127.135,"end":128.815,"sentiment":"neutral","sentiment_score":-0.2341962175236808},{"text":"I just pay x amount per per week.","start":128.815,"end":132.83499,"sentiment":"neutral","sentiment_score":-0.16571680270135403},{"text":"So I don't know what happens with that.","start":134.655,"end":136.755,"sentiment":"neutral","sentiment_score":-0.24572853930294514},{"text":"Okay.","start":151.75499,"end":152.25499,"sentiment":"neutral","sentiment_score":0.0881640762090683}],"sentiment":"neutral","sentiment_score":-0.20345982164144516,"num_words":34,"start":122.86,"end":152.25499},{"sentences":[{"text":"And what was that?","start":170.64,"end":171.51999,"sentiment":"neutral","sentiment_score":-0.0013005146756768227},{"text":"Was it $300?","start":171.51999,"end":172.87999,"sentiment":"neutral","sentiment_score":-0.013930359234412512},{"text":"Or I'll have to speak to them because I'm paying x amount to catch up on all our our super.","start":172.87999,"end":187.71501,"sentiment":"neutral","sentiment_score":-0.03837219830602408},{"text":"I don't know where that goes.","start":189.695,"end":191.315,"sentiment":"neutral","sentiment_score":-0.09107476100325584},{"text":"Or is it when it's all caught up, they put it 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times.","start":296.89502,"end":297.715,"sentiment":"neutral","sentiment_score":0.03359142690896988},{"text":"It's been a couple of years.","start":311.86002,"end":314.6,"sentiment":"neutral","sentiment_score":-0.1046627809604009},{"text":"In in regards to Bendigo, I know their rate of return is rate of investment is 38%.","start":316.42,"end":327.375,"sentiment":"neutral","sentiment_score":-0.016466231633196857},{"text":"So I I just see where where how how it's tracking because we're getting a bit older.","start":329.515,"end":336.1,"sentiment":"neutral","sentiment_score":-0.05903495541390251},{"text":"And, obviously, the stoop is not there.","start":337.68002,"end":340.98,"sentiment":"neutral","sentiment_score":-0.16039768074240005}],"sentiment":"neutral","sentiment_score":-0.060553015855958264,"num_words":49,"start":296.89502,"end":340.98},{"sentences":[{"text":"I need to see where what we can do to try to increase 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money.","start":1487.145,"end":1489.085,"sentiment":"neutral","sentiment_score":0.2651051636785269},{"text":"Yeah.","start":1490.1849,"end":1490.6849,"sentiment":"neutral","sentiment_score":0.18043285608291623}],"sentiment":"neutral","sentiment_score":0.14886011868873808,"num_words":47,"start":1463.7051,"end":1490.6849},{"sentences":[{"text":"Yeah.","start":1498.9049,"end":1499.37,"sentiment":"neutral","sentiment_score":0.21599429845809937},{"text":"Yeah.","start":1506.73,"end":1507.23,"sentiment":"neutral","sentiment_score":0.00849067885428667},{"text":"In the position I'm in now, yes.","start":1515.0951,"end":1517.1951,"sentiment":"neutral","sentiment_score":0.013558520270245416},{"text":"Because I I got ten years, and I haven't got not enough.","start":1517.975,"end":1525.275,"sentiment":"neutral","sentiment_score":0.0014860862866044044},{"text":"Yeah.","start":1550.6599,"end":1550.8999,"sentiment":"neutral","sentiment_score":0.05454869568347931}],"sentiment":"neutral","sentiment_score":0.017808015923947096,"num_words":22,"start":1498.9049,"end":1550.8999},{"sentences":[{"text":"I am.","start":1550.8999,"end":1551.5599,"sentiment":"neutral","sentiment_score":0.051245808601379395},{"text":"But, again, I'm looking for the the best I can get, the best company that I can get to give the work, the investments the best they can and be be up there as either market leaders or quite high up there.","start":1551.62,"end":1571.385,"sentiment":"neutral","sentiment_score":0.1049382807243438},{"text":"Next page, did you say, or next?","start":1599.185,"end":1601.285,"sentiment":"neutral","sentiment_score":0.02872286976448127},{"text":"Mhmm.","start":1602.9451,"end":1603.4451,"sentiment":"neutral","sentiment_score":0.037950389087200165},{"text":"Oh, the next.","start":1603.905,"end":1604.805,"sentiment":"neutral","sentiment_score":0.043950545291105904}],"sentiment":"neutral","sentiment_score":0.08874111856249246,"num_words":55,"start":1550.8999,"end":1604.805},{"sentences":[{"text":"Okay.","start":1606.18,"end":1606.5801,"sentiment":"neutral","sentiment_score":0.019704647362232208},{"text":"Okay.","start":1606.5801,"end":1607.0801,"sentiment":"neutral","sentiment_score":0.01026582345366478},{"text":"Oh, gone in.","start":1607.62,"end":1608.3401,"sentiment":"neutral","sentiment_score":-0.02960623800754547},{"text":"Sorry.","start":1608.3401,"end":1608.8401,"sentiment":"neutral","sentiment_score":-0.07253765314817429},{"text":"Next one.","start":1619.4751,"end":1620.375,"sentiment":"neutral","sentiment_score":0.06830478645861149}],"sentiment":"neutral","sentiment_score":0.0006529595702886581,"num_words":8,"start":1606.18,"end":1620.375},{"sentences":[{"text":"Vendegaard.","start":1620.915,"end":1621.415,"sentiment":"neutral","sentiment_score":0.019460925832390785},{"text":"Obviously, people are talking about Vendegaard, aren't they?","start":1622.1151,"end":1625.0951,"sentiment":"neutral","sentiment_score":0.010128843947313726},{"text":"Well, they're in the top three percent.","start":1627.9551,"end":1630.375,"sentiment":"neutral","sentiment_score":0.24850733365331376},{"text":"Like, top three trading companies in the world, I believe.","start":1630.675,"end":1634.2,"sentiment":"neutral","sentiment_score":0.17445444613695144},{"text":"Is that correct?","start":1634.2,"end":1635.02,"sentiment":"neutral","sentiment_score":0.124327485760053}],"sentiment":"neutral","sentiment_score":0.13646792867702656,"num_words":29,"start":1620.915,"end":1635.02},{"sentences":[{"text":"Yep.","start":1637.24,"end":1637.74,"sentiment":"neutral","sentiment_score":0.13801917433738708},{"text":"Yep.","start":1642.92,"end":1643.42,"sentiment":"neutral","sentiment_score":0.1431799978017807},{"text":"Yes.","start":1656.8451,"end":1657.3451,"sentiment":"positive","sentiment_score":0.4597969651222229},{"text":"Yep.","start":1665.52,"end":1666.02,"sentiment":"neutral","sentiment_score":0.17408882081508636},{"text":"Yep.","start":1683.505,"end":1684.005,"sentiment":"neutral","sentiment_score":0.024836808443069455}],"sentiment":"neutral","sentiment_score":0.1879843533039093,"num_words":5,"start":1637.24,"end":1684.005},{"sentences":[{"text":"A 100%.","start":1690.32,"end":1691.2,"sentiment":"neutral","sentiment_score":0.04523554816842079},{"text":"Yeah.","start":1691.2,"end":1691.7,"sentiment":"neutral","sentiment_score":0.05753635615110397},{"text":"Yep.","start":1705.1151,"end":1705.6151,"sentiment":"neutral","sentiment_score":0.09719612449407578},{"text":"How about gold?","start":1716.89,"end":1718.11,"sentiment":"neutral","sentiment_score":0.015018869191408157},{"text":"Is that a gold and silver?","start":1718.17,"end":1723.87,"sentiment":"neutral","sentiment_score":0.031451165986557804}],"sentiment":"neutral","sentiment_score":0.03684362926735328,"num_words":13,"start":1690.32,"end":1723.87},{"sentences":[{"text":"Yep.","start":1729.975,"end":1730.475,"sentiment":"neutral","sentiment_score":0.10448387265205385},{"text":"Yeah.","start":1745.49,"end":1745.99,"sentiment":"neutral","sentiment_score":0.24427542090415957},{"text":"Did I do silver too or it's just gold?","start":1749.49,"end":1752.07,"sentiment":"neutral","sentiment_score":0.09943208263980018},{"text":"Oh, okay.","start":1764.8151,"end":1765.555,"sentiment":"neutral","sentiment_score":0.12418969720602036},{"text":"It's just gold and silver.","start":1777.4299,"end":1780.1699,"sentiment":"neutral","sentiment_score":0.05046692937612533}],"sentiment":"neutral","sentiment_score":0.09690900436706013,"num_words":18,"start":1729.975,"end":1780.1699},{"sentences":[{"text":"Yeah.","start":1781.11,"end":1781.4299,"sentiment":"neutral","sentiment_score":0.0709248036146164},{"text":"Hand in hand.","start":1781.4299,"end":1782.3099,"sentiment":"neutral","sentiment_score":0.06710603088140488},{"text":"If gold rises, silver increases too.","start":1782.3099,"end":1785.61,"sentiment":"neutral","sentiment_score":0.05517199200888475},{"text":"That's accurate?","start":1786.1849,"end":1786.845,"sentiment":"neutral","sentiment_score":0.06192610785365105},{"text":"Oh, yeah.","start":1796.0249,"end":1796.6849,"sentiment":"neutral","sentiment_score":-0.020998191088438034}],"sentiment":"neutral","sentiment_score":0.048937905845897536,"num_words":14,"start":1781.11,"end":1796.6849},{"sentences":[{"text":"Yeah.","start":1800.5599,"end":1800.96,"sentiment":"neutral","sentiment_score":0.04244671016931534},{"text":"Yeah.","start":1800.96,"end":1801.04,"sentiment":"neutral","sentiment_score":0.05594053864479065},{"text":"Yeah.","start":1801.04,"end":1801.54,"sentiment":"neutral","sentiment_score":0.06784751266241074},{"text":"Yep.","start":1820.865,"end":1821.365,"sentiment":"neutral","sentiment_score":0.025091666728258133},{"text":"Yeah.","start":1829.09,"end":1829.4099,"sentiment":"neutral","sentiment_score":-0.0007011247798800468}],"sentiment":"neutral","sentiment_score":0.038125060684978965,"num_words":5,"start":1800.5599,"end":1829.4099},{"sentences":[{"text":"Yeah.","start":1829.4099,"end":1829.73,"sentiment":"neutral","sentiment_score":-0.026104453951120377},{"text":"Yep.","start":1829.73,"end":1830.23,"sentiment":"neutral","sentiment_score":-0.06833606958389282},{"text":"Yeah.","start":1835.01,"end":1835.51,"sentiment":"neutral","sentiment_score":0.01353600062429905},{"text":"Just 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how much money you need for that, but that's why I'm diversing with the cash I've got.","start":2020.4401,"end":2031.48,"sentiment":"neutral","sentiment_score":-0.030839535146951674},{"text":"I can try to supersede that because I don't know if there's enough money there for a thousand dollars.","start":2031.48,"end":2039.775,"sentiment":"neutral","sentiment_score":-0.003495285728652226},{"text":"Yeah.","start":2065.015,"end":2065.515,"sentiment":"neutral","sentiment_score":0.012602511793375015},{"text":"There's a couple of things.","start":2072.695,"end":2073.9949,"sentiment":"neutral","sentiment_score":0.04295344203710556},{"text":"I'll just tell you where where the direction we're going and what you think.","start":2081.1099,"end":2085.13,"sentiment":"neutral","sentiment_score":0.06404027422623974}],"sentiment":"neutral","sentiment_score":0.004477105525438674,"num_words":64,"start":2020.4401,"end":2085.13},{"sentences":[{"text":"So, 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7.","start":2192.98,"end":2206.9617,"sentiment":"neutral","sentiment_score":0.06093475719292959},{"text":"No.","start":2209.715,"end":2210.215,"sentiment":"neutral","sentiment_score":-0.03103497065603733},{"text":"Not currently, but we're looking at buying a business that I don't know.","start":2210.355,"end":2220.54,"sentiment":"neutral","sentiment_score":-0.05323552727126158},{"text":"This is Mhmm.","start":2220.54,"end":2221.82,"sentiment":"neutral","sentiment_score":-0.06586079051097234},{"text":"With my partner.","start":2223.1602,"end":2224.1401,"sentiment":"neutral","sentiment_score":-0.026535130416353542}],"sentiment":"neutral","sentiment_score":-0.02441061710795531,"num_words":26,"start":2192.98,"end":2224.1401},{"sentences":[{"text":"Yeah.","start":2225.1602,"end":2225.4001,"sentiment":"neutral","sentiment_score":-0.022549130022525787},{"text":"So we're just weighing things up what would be 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yeah.","start":2438.7952,"end":2453.9202,"sentiment":"neutral","sentiment_score":0.06897207349538803}],"sentiment":"neutral","sentiment_score":-0.0168813936136387,"num_words":27,"start":2425.5999,"end":2453.9202},{"sentences":[{"text":"Which yes.","start":2453.9202,"end":2456.9448,"sentiment":"neutral","sentiment_score":0.050601634196937084},{"text":"They'll have it, but I wanna sell it and purchase a house for for my kids.","start":2457.085,"end":2463.505,"sentiment":"neutral","sentiment_score":0.14624611008912325},{"text":"So that's the direction we're going.","start":2465.645,"end":2469.67,"sentiment":"positive","sentiment_score":0.5917322635650635},{"text":"I don't know.","start":2471.01,"end":2471.8098,"sentiment":"neutral","sentiment_score":0.03898457313577334},{"text":"Like, they're saving some money too.","start":2471.8098,"end":2474.77,"sentiment":"neutral","sentiment_score":0.04323952210446199}],"sentiment":"neutral","sentiment_score":0.19296743828013088,"num_words":33,"start":2453.9202,"end":2474.77},{"sentences":[{"text":"That's why I can help them so they can save their money and purchase a a property, and then they'll be right on a couple of properties.","start":2474.77,"end":2485.175,"sentiment":"neutral","sentiment_score":0.15869198284215397},{"text":"It it's it's it's it was 90, but when I've looked on car sales and that, people are selling for $55.60.","start":2495.075,"end":2504.38,"sentiment":"neutral","sentiment_score":-0.0022454634087071533},{"text":"Yeah.","start":2508.2798,"end":2508.615,"sentiment":"neutral","sentiment_score":0.016240261495113373},{"text":"Roughly.","start":2514.055,"end":2514.555,"sentiment":"neutral","sentiment_score":-0.035478848963975906},{"text":"I pay a thousand dollars a week trying to get it down.","start":2515.895,"end":2519.435,"sentiment":"neutral","sentiment_score":0.040637335584809385}],"sentiment":"neutral","sentiment_score":0.07590222975329286,"num_words":62,"start":2474.77,"end":2519.435},{"sentences":[{"text":"Else.","start":2523.6401,"end":2524.1401,"sentiment":"neutral","sentiment_score":0.05091239884495735},{"text":"Yeah.","start":2527.8801,"end":2528.3801,"sentiment":"neutral","sentiment_score":0.04665755480527878},{"text":"Yeah.","start":2530.12,"end":2530.62,"sentiment":"neutral","sentiment_score":-0.0052782753482460976},{"text":"Yeah.","start":2536.275,"end":2536.775,"sentiment":"neutral","sentiment_score":0.03596315532922745},{"text":"No.","start":2538.9949,"end":2539.4749,"sentiment":"neutral","sentiment_score":-0.04299672320485115}],"sentiment":"neutral","sentiment_score":0.017051622085273267,"num_words":5,"start":2523.6401,"end":2539.4749},{"sentences":[{"text":"No.","start":2539.4749,"end":2539.9749,"sentiment":"neutral","sentiment_score":-0.03945259749889374},{"text":"Yeah.","start":2543.795,"end":2544.295,"sentiment":"neutral","sentiment_score":0.01371594239026308},{"text":"Yeah.","start":2545.875,"end":2546.375,"sentiment":"neutral","sentiment_score":0.043350301682949066},{"text":"No.","start":2549.075,"end":2549.575,"sentiment":"neutral","sentiment_score":-0.03773685172200203},{"text":"Yeah.","start":2557.75,"end":2558.25,"sentiment":"neutral","sentiment_score":0.04772945120930672}],"sentiment":"neutral","sentiment_score":0.0055212492123246195,"num_words":5,"start":2539.4749,"end":2558.25},{"sentences":[{"text":"That's correct.","start":2558.39,"end":2559.21,"sentiment":"neutral","sentiment_score":0.07172805443406105},{"text":"Not currently.","start":2565.7249,"end":2566.4448,"sentiment":"neutral","sentiment_score":-0.04259771667420864},{"text":"Yep.","start":2566.4448,"end":2566.9448,"sentiment":"neutral","sentiment_score":-0.02082235552370548},{"text":"Everything's just alright.","start":2583.28,"end":2584.74,"sentiment":"neutral","sentiment_score":0.30279173453648883},{"text":"Yeah.","start":2584.8801,"end":2585.3801,"sentiment":"neutral","sentiment_score":0.25781649351119995}],"sentiment":"neutral","sentiment_score":0.13373666856851843,"num_words":9,"start":2558.39,"end":2585.3801},{"sentences":[{"text":"Yes.","start":2593.4849,"end":2593.9849,"sentiment":"neutral","sentiment_score":0.1611562222242355},{"text":"Nine nine.","start":2599.005,"end":2599.905,"sentiment":"neutral","sentiment_score":0.00601881742477417},{"text":"No.","start":2607.1301,"end":2607.6301,"sentiment":"neutral","sentiment_score":-0.00935809500515461},{"text":"Yeah.","start":2636.58,"end":2637.08,"sentiment":"neutral","sentiment_score":0.14523063600063324},{"text":"Just if we do purchase a business, there's a bit of money there, and it's just in a normal account, and it's earning interest.","start":2644.925,"end":2663.2,"sentiment":"neutral","sentiment_score":-0.010440152720548213}],"sentiment":"neutral","sentiment_score":0.002017335612969152,"num_words":29,"start":2593.4849,"end":2663.2},{"sentences":[{"text":"But we obviously pay tax on that.","start":2664.7,"end":2672.005,"sentiment":"neutral","sentiment_score":-0.07997563055583409},{"text":"That's correct, isn't it?","start":2672.005,"end":2673.125,"sentiment":"neutral","sentiment_score":-0.025703769642859697},{"text":"It's classed as an income.","start":2673.125,"end":2674.425,"sentiment":"neutral","sentiment_score":0.036856372654438016},{"text":"Should it be put in different account that is there any account where you don't pay tax, or is there a way not to pay tax, or do I have to see an accountant for that?","start":2676.645,"end":2688.6501,"sentiment":"neutral","sentiment_score":-0.060416043322119445},{"text":"Yep.","start":2696.31,"end":2696.81,"sentiment":"neutral","sentiment_score":0.010562974959611893}],"sentiment":"neutral","sentiment_score":-0.049863721015599535,"num_words":53,"start":2664.7,"end":2696.81},{"sentences":[{"text":"But you can only pay a percentage.","start":2707.7852,"end":2710.0452,"sentiment":"neutral","sentiment_score":-0.04272556198494775},{"text":"Is that right?","start":2710.185,"end":2710.92,"sentiment":"neutral","sentiment_score":-0.004622109234333038},{"text":"Yeah.","start":2732.385,"end":2732.885,"sentiment":"neutral","sentiment_score":0.06006387248635292},{"text":"Would that be, like, treasury bonds and things like that?","start":2751.775,"end":2756.175,"sentiment":"neutral","sentiment_score":0.01560607049614191},{"text":"Or Yeah.","start":2756.175,"end":2763.45,"sentiment":"neutral","sentiment_score":-0.015408571809530258}],"sentiment":"neutral","sentiment_score":-0.00554947077256182,"num_words":23,"start":2707.7852,"end":2763.45},{"sentences":[{"text":"Yep.","start":2767.13,"end":2767.63,"sentiment":"neutral","sentiment_score":0.07839711010456085},{"text":"Oh, okay.","start":2773.13,"end":2774.03,"sentiment":"neutral","sentiment_score":0.1713922694325447},{"text":"Is it easy to get the money out if you needed it or that's it?","start":2782.345,"end":2786.605,"sentiment":"neutral","sentiment_score":0.3265199989080429},{"text":"Because there's a lot of restrictions.","start":2786.665,"end":2788.205,"sentiment":"neutral","sentiment_score":-0.06288757423559825},{"text":"Yep.","start":2796.74,"end":2797.24,"sentiment":"neutral","sentiment_score":0.1720830649137497}],"sentiment":"neutral","sentiment_score":0.20454957008361815,"num_words":25,"start":2767.13,"end":2797.24},{"sentences":[{"text":"Yep.","start":2825.47,"end":2825.97,"sentiment":"neutral","sentiment_score":-0.037171460688114166},{"text":"Yeah.","start":2831.365,"end":2831.865,"sentiment":"neutral","sentiment_score":0.07896571606397629},{"text":"Yes.","start":2850.3198,"end":2850.8198,"sentiment":"neutral","sentiment_score":0.17793813347816467},{"text":"Is it is the the percentage you're in on it?","start":2866.145,"end":2870.785,"sentiment":"neutral","sentiment_score":0.06653236262500287},{"text":"Is it is it quite competitive?","start":2870.785,"end":2872.9648,"sentiment":"neutral","sentiment_score":0.27583300570646924}],"sentiment":"neutral","sentiment_score":0.13368705522857213,"num_words":19,"start":2825.47,"end":2872.9648},{"sentences":[{"text":"Yes.","start":2877.22,"end":2877.72,"sentiment":"positive","sentiment_score":0.37644797563552856},{"text":"So let's just try Vendergard because we talked about Vendergard.","start":2885.22,"end":2889.4,"sentiment":"neutral","sentiment_score":0.13150857761502266},{"text":"Yeah.","start":2896.865,"end":2897.365,"sentiment":"neutral","sentiment_score":0.2262084186077118},{"text":"Okay.","start":2906.8901,"end":2907.3901,"sentiment":"neutral","sentiment_score":0.13044941425323486},{"text":"Yep.","start":2909.4502,"end":2909.9502,"sentiment":"positive","sentiment_score":0.3405831754207611}],"sentiment":"neutral","sentiment_score":0.17062676857624734,"num_words":14,"start":2877.22,"end":2909.9502},{"sentences":[{"text":"Okay.","start":2918.505,"end":2919.005,"sentiment":"neutral","sentiment_score":0.273555189371109},{"text":"Yeah.","start":2943.635,"end":2944.135,"sentiment":"neutral","sentiment_score":0.24983391165733335},{"text":"Yeah.","start":2969.645,"end":2970.145,"sentiment":"neutral","sentiment_score":0.2595365643501282},{"text":"So we can contact you.","start":2971.565,"end":2973.105,"sentiment":"neutral","sentiment_score":0.20543893277645112},{"text":"Yes.","start":2982.205,"end":2982.705,"sentiment":"neutral","sentiment_score":0.261218786239624}],"sentiment":"neutral","sentiment_score":0.2301487906111611,"num_words":9,"start":2918.505,"end":2982.705},{"sentences":[{"text":"Yep.","start":2986.0798,"end":2986.5798,"sentiment":"positive","sentiment_score":0.4106275737285614},{"text":"Cool.","start":2990.7998,"end":2991.2998,"sentiment":"positive","sentiment_score":0.5736666321754456},{"text":"Yes.","start":3000.385,"end":3000.885,"sentiment":"neutral","sentiment_score":0.30732065439224243},{"text":"Yes.","start":3007.7449,"end":3008.2449,"sentiment":"neutral","sentiment_score":0.07229430228471756},{"text":"That'll be back.","start":3022.69,"end":3023.5698,"sentiment":"neutral","sentiment_score":-0.0776792714993159}],"sentiment":"neutral","sentiment_score":0.16155304972614562,"num_words":7,"start":2986.0798,"end":3023.5698},{"sentences":[{"text":"One sec.","start":3023.5698,"end":3024.3098,"sentiment":"neutral","sentiment_score":-0.0038253546226769686},{"text":"Yep.","start":3025.73,"end":3026.23,"sentiment":"neutral","sentiment_score":0.04018562659621239},{"text":"Yes.","start":3038.395,"end":3038.635,"sentiment":"neutral","sentiment_score":0.03146316856145859},{"text":"Who is your witness, sir?","start":3038.635,"end":3040.015,"sentiment":"neutral","sentiment_score":0.024402717500925063},{"text":"Anyone?","start":3040.635,"end":3041.135,"sentiment":"neutral","sentiment_score":0.0140587342903018}],"sentiment":"neutral","sentiment_score":0.020007040770724415,"num_words":10,"start":3023.5698,"end":3041.135},{"sentences":[{"text":"Alright.","start":3044.4402,"end":3044.6802,"sentiment":"neutral","sentiment_score":0.04556439816951752},{"text":"Gonna be one person or two?","start":3044.6802,"end":3046.54,"sentiment":"neutral","sentiment_score":0.024809774632255237},{"text":"Yeah.","start":3048.4402,"end":3048.9202,"sentiment":"neutral","sentiment_score":0.03788246959447861},{"text":"Okay.","start":3048.9202,"end":3049.32,"sentiment":"neutral","sentiment_score":0.044200360774993896},{"text":"So Deckard Lane Hudson.","start":3049.32,"end":3050.78,"sentiment":"neutral","sentiment_score":0.0349038359709084}],"sentiment":"neutral","sentiment_score":0.03200932463201193,"num_words":13,"start":3044.4402,"end":3050.78},{"sentences":[{"text":"Yeah.","start":3050.84,"end":3051.34,"sentiment":"neutral","sentiment_score":0.036402616649866104},{"text":"I'll get Nextiva too, Franco.","start":3060.675,"end":3062.375,"sentiment":"neutral","sentiment_score":0.05040057823061943},{"text":"Yep.","start":3071.1702,"end":3071.6702,"sentiment":"neutral","sentiment_score":0.09871868789196014},{"text":"Yeah.","start":3076.4502,"end":3076.9502,"sentiment":"neutral","sentiment_score":0.10127882659435272},{"text":"Yep.","start":3082.625,"end":3083.125,"sentiment":"neutral","sentiment_score":0.08086411654949188}],"sentiment":"neutral","sentiment_score":0.06325190431541866,"num_words":9,"start":3050.84,"end":3083.125},{"sentences":[{"text":"Yep.","start":3092.945,"end":3093.445,"sentiment":"neutral","sentiment_score":0.08108799159526825},{"text":"Cool.","start":3094.785,"end":3095.285,"sentiment":"neutral","sentiment_score":0.2912261486053467},{"text":"No.","start":3101.0,"end":3101.32,"sentiment":"neutral","sentiment_score":-0.17198561131954193},{"text":"That's it.","start":3101.32,"end":3101.72,"sentiment":"neutral","sentiment_score":-0.1330091506242752},{"text":"Thank you.","start":3101.72,"end":3102.4602,"sentiment":"neutral","sentiment_score":-0.07280982285737991}],"sentiment":"neutral","sentiment_score":-0.03018705972603389,"num_words":7,"start":3092.945,"end":3102.4602},{"sentences":[{"text":"Yep.","start":3109.32,"end":3109.605,"sentiment":"neutral","sentiment_score":0.07978042960166931},{"text":"Yes.","start":3114.965,"end":3115.465,"sentiment":"neutral","sentiment_score":-0.26595163345336914},{"text":"Sure.","start":3131.23,"end":3131.73,"sentiment":"neutral","sentiment_score":0.12840043008327484},{"text":"Okay.","start":3143.345,"end":3143.665,"sentiment":"neutral","sentiment_score":0.0635254979133606},{"text":"Yeah.","start":3143.665,"end":3143.905,"sentiment":"neutral","sentiment_score":0.11483913660049438}],"sentiment":"neutral","sentiment_score":0.024118772149085997,"num_words":5,"start":3109.32,"end":3143.905},{"sentences":[{"text":"That's cool.","start":3143.905,"end":3144.805,"sentiment":"positive","sentiment_score":0.6793488264083862},{"text":"That's fine.","start":3144.9448,"end":3145.845,"sentiment":"positive","sentiment_score":0.5171329528093338},{"text":"Okay.","start":3155.32,"end":3155.82,"sentiment":"positive","sentiment_score":0.3789364993572235},{"text":"Thank you.","start":3156.04,"end":3156.78,"sentiment":"positive","sentiment_score":0.6775607168674469},{"text":"You too.","start":3161.1602,"end":3161.82,"sentiment":"positive","sentiment_score":0.5287213027477264}],"sentiment":"positive","sentiment_score":0.57605156633589,"num_words":9,"start":3143.905,"end":3161.82},{"sentences":[{"text":"Thank you.","start":3162.6802,"end":3163.4202,"sentiment":"positive","sentiment_score":0.7635185420513153},{"text":"Bye.","start":3163.8801,"end":3164.3801,"sentiment":"positive","sentiment_score":0.3535726070404053}],"sentiment":"positive","sentiment_score":0.6268698970476786,"num_words":3,"start":3162.6802,"end":3164.3801}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Troy?\n\nChannel 1: Yep.\n\nChannel 0: This is Veronica from Oakview Financial. How are you this morning?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That's good. I had you booked in to complete your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Troy Matthew Peasley. 111711 Poole Street in Eglington, New South Wales 2795.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: I just woke up, so it's been alright.\n\nChannel 0: That's\n\nChannel 1: Sounds\n\nChannel 0: great.\n\nChannel 1: good.\n\nChannel 0: Now, Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up?\n\nChannel 1: I spoke to the whoever rang me, and I explained a few things. Did they write them down for you or not really?\n\nChannel 0: No. Yeah. She she did. So one was that you are self employed. You are paying yourself $3.50 a week all through the accounting software.\n\nChannel 1: Very simple.\n\nChannel 0: Yeah. Now I did have a look in your Netwealth account just before going on the call,\n\nChannel 1: Yep.\n\nChannel 0: and I actually cannot see any contributions going into Netwealth. The\n\nChannel 1: No.\n\nChannel 0: last\n\nChannel 1: We'll\n\nChannel 0: one\n\nChannel 1: be find out our contributions. So we've had to pay through the ATO.\n\nChannel 0: yep.\n\nChannel 1: So I don't know what they do with it. I just pay x amount per per week. So I don't know what happens with that.\n\nChannel 0: Yep. Yeah. Okay. Because, usually, obviously, paying it that way because it's through your super even though it is obviously from the ATO, we would see it distributed into your account.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. And having a look in your account, the last contribution I can see was on the 12/02/2024.\n\nChannel 1: And what was that? Was it $300? Or\n\nChannel 0: Yeah. It was $398.58.\n\nChannel 1: I'll have to speak to them because I'm paying x amount to catch up on\n\nChannel 0: Yeah.\n\nChannel 1: all our our super.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know\n\nChannel 0: Yeah.\n\nChannel 1: where that goes. Or is it when it's all caught up, they put it in? Or\n\nChannel 0: No. Typically, it would be distributed as you pay it. Now some softwares and stuff like that, they do it, like, on a quarterly basis. So sometimes you can see it being depending on how what the structure is, but that's typically more so if you have an employer, and then they have to pay it at least every quarter. But, obviously, having a look through all all the statement, there's nothing going in 2024.\n\nSo definitely go and have a chat to them and see if you\n\nChannel 1: Yep.\n\nChannel 0: can if you can find it. Now what I also included for you that we can do on our end sorry. I have just sent you a document with some documents to go through. Part of that is a form that's called an LSA. So it is called a lost super authority form.\n\nWhat that\n\nChannel 1: Yep.\n\nChannel 0: allows us to do is it lets us start with the ATO. If there is any other super funds out there that potentially this money is going into. And if so, we can find it. I can do research on the account and then make sure to potentially consolidate it so you don't have two funds if that's where the money's going. So I can\n\nChannel 1: Uh-huh.\n\nChannel 0: find that information if you're happy to obviously you know, when when you're happy to find the\n\nChannel 1: Yep.\n\nChannel 0: documents. Once that comes through, I will submit it to the ATO. The ATO, it sometimes takes a little while for for that to come through. Excuse me. But then at least when I do, I can at least see, well, is it going elsewhere or what's happening?\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Eight times.\n\nChannel 0: Yep. Okay. Perfect. Now the other thing I can see here as well is that you did have a bit of concern, obviously, with your super and the performance and kind of what's happened in the last twelve months.\n\nChannel 1: It's been a couple of years.\n\nChannel 0: Okay.\n\nChannel 1: In in regards to Bendigo,\n\nChannel 0: Mhmm.\n\nChannel 1: I know their rate of return is rate of investment is 38%. So I I just see where where\n\nChannel 0: Mhmm.\n\nChannel 1: how\n\nChannel 0: Yep.\n\nChannel 1: how it's tracking because we're getting a bit older.\n\nChannel 0: Yeah.\n\nChannel 1: And,\n\nChannel 0: We\n\nChannel 1: obviously, the stoop is\n\nChannel 0: wanna\n\nChannel 1: not there. I need to see where\n\nChannel 0: make\n\nChannel 1: what we can do to\n\nChannel 0: sure it's Make sure we get you\n\nChannel 1: try\n\nChannel 0: as\n\nChannel 1: to\n\nChannel 0: close.\n\nChannel 1: increase it.\n\nChannel 0: Yeah. Exactly. Now I can have sorry. Pat, did you get that email by any chance\n\nChannel 1: Yep.\n\nChannel 0: there,\n\nChannel 1: What\n\nChannel 0: Troy?\n\nChannel 1: email? Just then, was it?\n\nChannel 0: Yes. Now it sometimes does go to spam as well. Yeah. If you can access it. If not, I can always run\n\nChannel 1: Yeah.\n\nChannel 0: through the info with you, and then you can have a look at it a little bit later. And then if you have any questions, you can let me know. But if you can get it up at the same time, that is also\n\nChannel 1: Yeah.\n\nChannel 0: helpful. Yeah.\n\nChannel 1: Yeah. I got it out.\n\nChannel 0: Yeah. Perfect. Now as you see the email, it will there is a link where it will ask you to click on to sign the document. But before\n\nChannel 1: Yep.\n\nChannel 0: I get you to to click on that link, if you scroll down in the email, you should see a couple of attachments at the bottom. Can you see those?\n\nChannel 1: Yep. I'm fine.\n\nChannel 0: Yep. Yes. There are a couple. To make it easier for you, do you wanna let me know which one comes first on your end, and I can go through with it in that order?\n\nChannel 1: Okay. The first one is representative to hold my tax phone number\n\nChannel 0: Yes.\n\nChannel 1: in a secure location.\n\nChannel 0: Yes. So have\n\nChannel 1: Yep.\n\nChannel 0: you clicked on on the link?\n\nChannel 1: There's no link.\n\nChannel 0: Okay.\n\nChannel 1: I've got signature and date.\n\nChannel 0: Yep. Yep. So that will be those digital documents. So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file.\n\nChannel 1: Yep.\n\nChannel 0: What's the next one you can see?\n\nChannel 1: So I'll sign that for you. Yeah.\n\nChannel 0: Yep. Yes, please. If if you don't mind,\n\nChannel 1: Yeah.\n\nChannel 0: that'd be great.\n\nChannel 1: The going down, is it?\n\nChannel 0: Yes.\n\nChannel 1: It's got my tax file number, and it needs a signature,\n\nChannel 0: Yes.\n\nChannel 1: name, and date signed. Yep.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Do you want another is there another one?\n\nChannel 0: Yes. There should be another one. What does that one say?\n\nChannel 1: Add the fees?\n\nChannel 0: Yes. So that is the ongoing service agreement. Now that one there is if you are happy to stay on as a client, it lets us service service your account and everything. Now\n\nChannel 1: But\n\nChannel 0: there\n\nChannel 1: we haven't\n\nChannel 0: is no\n\nChannel 1: discussed anything yet.\n\nChannel 0: no. So\n\nChannel 1: So we\n\nChannel 0: you\n\nChannel 1: we're\n\nChannel 0: don't have\n\nChannel 1: signing\n\nChannel 0: to sign\n\nChannel 1: something before we haven't before we've discussed.\n\nChannel 0: yeah. So\n\nChannel 1: You\n\nChannel 0: so\n\nChannel 1: know\n\nChannel 0: don't\n\nChannel 1: what I mean?\n\nChannel 0: sign any yeah. Don't sign any of those yet until we have gone through everything.\n\nChannel 1: Yeah. And that's\n\nChannel 0: Yep.\n\nChannel 1: the only one, is it?\n\nChannel 0: There should be one more after that one,\n\nChannel 1: Yeah. It says\n\nChannel 0: which\n\nChannel 1: next,\n\nChannel 0: is\n\nChannel 1: but it obviously, it's\n\nChannel 0: yeah.\n\nChannel 1: on the\n\nChannel 0: Yeah.\n\nChannel 1: next one.\n\nChannel 0: It yeah. The the last one that it gets ask you to sign is the lost super authority form I mentioned That lets\n\nChannel 1: Yeah.\n\nChannel 0: us search with the ATO. But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that.\n\nChannel 1: It says structure and contributions. Is that it?\n\nChannel 0: No. There\n\nChannel 1: No.\n\nChannel 0: should\n\nChannel 1: It's\n\nChannel 0: be\n\nChannel 1: not just get it back.\n\nChannel 0: if you yeah. Even if you can click out of the email altogether,\n\nChannel 1: Yep.\n\nChannel 0: And then when you open the email, so when you first open it,\n\nChannel 1: Yep.\n\nChannel 0: can you scroll at the bottom of the email, and can you see a couple of attachments?\n\nChannel 1: Yep. I feel\n\nChannel 0: Yep.\n\nChannel 1: service guide. Isn't that it?\n\nChannel 0: Yes.\n\nChannel 1: Financial\n\nChannel 0: Yes.\n\nChannel 1: services guide.\n\nChannel 0: Yes. Exactly. So there is a couple there. The O2 financial services guide and then the O2 services guide, I won't get you to open those now. I'll get you to have\n\nChannel 1: Yeah.\n\nChannel 0: a read over them in their own time, but that's just our financial services guide. You would have seen this before. It's one of those kind of\n\nChannel 1: Yeah.\n\nChannel 0: long compliance documents, but, basically, everything that you need to know about us is in there for you. So the information about the team and our directors and our advisers and everything is\n\nChannel 1: Yep.\n\nChannel 0: in those two documents. So, obviously, when you have a moment, they are quite long. Have a bit of a read over it in your in your own time. That's\n\nChannel 1: Sure.\n\nChannel 0: just for your reference. Now\n\nChannel 1: Yep.\n\nChannel 0: what is the next one you can see?\n\nChannel 1: Super summary.\n\nChannel 0: Yes. That is your portfolio. If you can open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now, obviously, if you're looking at your phone, it can be a little bit small. But,\n\nChannel 1: Yep.\n\nChannel 0: essentially, this one here breaks down your portfolio in over the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: So you can see that the the opening value now this was on the February 24. So two days ago, we prepared these documents. So you can see here that the at that time, your super balance was at actually, let me just go in and get\n\nChannel 1: 100\n\nChannel 0: it\n\nChannel 1: and\n\nChannel 0: today\n\nChannel 1: 50\n\nChannel 0: for\n\nChannel 1: 6.\n\nChannel 0: you. Yes. 156,000 166.\n\nChannel 1: Yep.\n\nChannel 0: Now at the above it, you can then see all your investments listed. So you can see all the different investments in the different categories that we have there for you. Yeah. So you can see kind of the cash. You can see alternative\n\nChannel 1: No. No.\n\nChannel 0: investments versus\n\nChannel 1: I've\n\nChannel 0: gold.\n\nChannel 1: just got the summary. It must be\n\nChannel 0: Yes.\n\nChannel 1: the next one down that I was supposed to look at.\n\nChannel 0: It is on that summary. It's where that a 156,000 was listed.\n\nChannel 1: Yep. Do I\n\nChannel 0: It's\n\nChannel 1: click on\n\nChannel 0: Okay.\n\nChannel 1: something? Because there's nothing there.\n\nChannel 0: No. What what can you see right now?\n\nChannel 1: Okay. It says superannuation net wealth. Their member\n\nChannel 0: Yes?\n\nChannel 1: number, approximate\n\nChannel 0: Yes?\n\nChannel 1: Benefit, 156.52910.\n\nChannel 0: Mhmm.\n\nChannel 1: And then I gave down you currently do not hold any insurance or investment accounts, and\n\nChannel 0: Okay.\n\nChannel 1: that's it.\n\nChannel 0: Yep. Yeah. Okay. Yes. That is just the summary of your account exactly.\n\nSo nothing you have to click on that one. It just\n\nChannel 1: So\n\nChannel 0: shows\n\nChannel 1: get\n\nChannel 0: you\n\nChannel 1: ahead of that\n\nChannel 0: the\n\nChannel 1: one,\n\nChannel 0: balance. Yep. You can you can click on the next one.\n\nChannel 1: which is my name.\n\nChannel 0: Yep.\n\nChannel 1: And there's two lots there.\n\nChannel 0: Yep.\n\nChannel 1: Second one, super summary.\n\nChannel 0: Yep.\n\nChannel 1: Not that one. Sorry.\n\nChannel 0: No. That's okay.\n\nChannel 1: Let's see that. I'm okay. That one. Yeah. It's got the the breakdown.\n\nChannel 0: Yes. Perfect. Yep. So this one here gives you a breakdown of your investment and your portfolio over the last twelve months. So in this one, you see your different investments, and you also see how they have performed.\n\nSo you can see on the return column, so that is the second column to the right, you can then see\n\nChannel 1: Yep.\n\nChannel 0: the in the individual investment. So you can see, for example, that gold has been very strong. It's gone up that\n\nChannel 1: Yeah.\n\nChannel 0: 566%. Now the one underneath it, I do wanna have a review of because that one is down at the moment, and it has underperformed a bit.\n\nChannel 1: Michelle's.\n\nChannel 0: That's Yeah. The Benelong, is that the one can you see where there's the Benelong Australian equity? Can you see that\n\nChannel 1: Yes.\n\nChannel 0: one? Yes. Now this one here forms a bit different part of the investments in there for you. So when it was added to your account, when you came on board as a client, it was doing really, really well. Recently, they have underperformed a little bit.\n\nI would like to do some\n\nChannel 1: What\n\nChannel 0: research on\n\nChannel 1: what\n\nChannel 0: that\n\nChannel 1: is\n\nChannel 0: investment.\n\nChannel 1: Bang Along? What\n\nChannel 0: Yeah.\n\nChannel 1: what are they? They just oh,\n\nChannel 0: It's a managed fund. So\n\nChannel 1: a\n\nChannel 0: they\n\nChannel 1: oh, okay.\n\nChannel 0: yeah. Sorry. So\n\nChannel 1: Just\n\nChannel 0: that one\n\nChannel 1: Australian\n\nChannel 0: is a bit\n\nChannel 1: equities they use or the\n\nChannel 0: co correct. Yeah. So they\n\nChannel 1: yep.\n\nChannel 0: use Australian equities. Now how they select the investment is a little bit different to the other ones in that they are what we will call your your active managers. So they their focus is through kind of buying and selling different investments a bit more frequently with\n\nChannel 1: Yep.\n\nChannel 0: trying to outperform the market. So they do all the research and stuff, and they're trying to do the buying and the selling to tryna outperform the market\n\nChannel 1: Yep.\n\nChannel 0: because they they do\n\nChannel 1: So\n\nChannel 0: a bit\n\nChannel 1: the\n\nChannel 0: more.\n\nChannel 1: futures so the trading would it be?\n\nChannel 0: Not really futures. It's more so that they they look at a company. So it's still\n\nChannel 1: Oh,\n\nChannel 0: equity\n\nChannel 1: I'm safe.\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: everything.\n\nChannel 1: don't work. Right? Yep.\n\nChannel 0: Yeah. And then kind of analyze whether they think it's going to be a good investment with the the different stocks in the Australian equity. So it is different through, like, the other one where it says, like, the international equities you can see listed underneath it.\n\nChannel 1: Yep.\n\nChannel 0: These investments, they are more what we would call your passive investment. So it's still equity, but these ones have so for example, the bottom one where it says iShares SMP 500. Can you see that one?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that works a bit differently that they basically track an index. So they don't do that much, you know, the buying and the selling of different investments in that\n\nChannel 1: Yep.\n\nChannel 0: they track an index. So this one here, they follow the the 500 biggest companies listed in The US. So you\n\nChannel 1: Yep.\n\nChannel 0: are kind of in that one single investment invested in those 500 companies. And as, you know, a company gets smaller and a bigger one come, it kind of goes in and out of the index. So,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, it's not so much, you know, research and stuff that goes into it. It just kinda follows that index. So that's how they are a bit different to that Benelung at one. Does\n\nChannel 1: Yeah.\n\nChannel 0: that make sense? Right?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Right. Perfect. Now with Benelung at the moment, one of their contributing factors to why they are down at the moment and why we want to look at swapping that one out for something that's doing a little bit better is that one of the investments that they had in their portfolio was corporate travel group, and they had a bit of issues with their reporting. And so with that, it caused the the kind of share price.\n\nYou couldn't trade it anymore, so that's\n\nChannel 1: Hello.\n\nChannel 0: why they kinda\n\nChannel 1: Don't\n\nChannel 0: went\n\nChannel 1: be.\n\nChannel 0: backwards. They didn't report things correctly yet.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: we wanna look at obviously, it wasn't Benelung. It was one of the companies that they were invested in, but it\n\nChannel 1: Yes.\n\nChannel 0: still obviously caused the the returns to go down, and they haven't been kind of performing as well as we would have liked. So I would like to ask the call today if you are happy for me to do so, do a bit more research on your investment, especially that Benelon,\n\nChannel 1: Sure. Yep.\n\nChannel 0: and trying to see if I can find some other options for you that is going to make your super grow a little bit more, obviously, for your retirement and perform a little bit better.\n\nChannel 1: Yep. So\n\nChannel 0: Yep.\n\nChannel 1: is it the same sort of thing you're looking at, one of those equity funds that try to predict the the better business or something will will thrive and their shares will increase, or\n\nChannel 0: There\n\nChannel 1: do\n\nChannel 0: are\n\nChannel 1: you\n\nChannel 0: a lot\n\nChannel 1: look\n\nChannel 0: of\n\nChannel 1: at their\n\nChannel 0: diff\n\nChannel 1: different options?\n\nChannel 0: I do both. So I can look at I'll look at a direct similarity,\n\nChannel 1: Okay.\n\nChannel 0: so where they do the same concept. But if that isn't going to do better and you pay more for that service and they're not\n\nChannel 1: Yes.\n\nChannel 0: going to do better, then I might say, let's not do that and let's instead maybe do another index in Australia. So maybe one that is kind of tracking companies in Australia instead. So\n\nChannel 1: Yes.\n\nChannel 0: I will do that research for you and see which option is going to, you know, give that return for you, which I know is important, but then also kind of keeping the fees down, and then, I guess, which one's going to be better for you long term.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Does that that make sense, Troy?\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yep. Okay. Now with reviewing your portfolio and your investment, I do also wanna make sure that we are in a portfolio overall that aligns with your time frames and how you feel about it. Because at the moment, we have you invested in a high\n\nChannel 1: Yes.\n\nChannel 0: growth portfolio. Now typically, in a in a high growth portfolio as well, it is obviously designed to kinda maximize that growth as much as possible in the long term,\n\nChannel 1: Yes.\n\nChannel 0: but also seeing, you know, quite a bit of fluctuation in the short term to tryna achieve that long term.\n\nChannel 1: Yep.\n\nChannel 0: Now typically in a high growth portfolio, we also see that the likelihood of a negative return is about one in five years. And also making sure that you have enough time in the market, we do wanna say a minimum of eight years until retirement. So at the moment, do you know when you think you would like to retire or start drawing an\n\nChannel 1: 10\n\nChannel 0: income\n\nChannel 1: years.\n\nChannel 0: from your super? Ten years?\n\nChannel 1: Ten years.\n\nChannel 0: Ten\n\nChannel 1: That's\n\nChannel 0: years?\n\nChannel 1: it.\n\nChannel 0: That's\n\nChannel 1: That's the max.\n\nChannel 0: the max. Okay.\n\nChannel 1: It's not earlier, but ten years.\n\nChannel 0: Yeah. Ten years max. Okay. Perfect. So what I would like to do is just ask you a couple of questions that is just multiple choice, and that is just so I can kind of gauge a bit more how you feel about fluctuations and stuff like that and if we wanna look at making any changes to the reallocation.\n\nSo it is\n\nChannel 1: Okay.\n\nChannel 0: just multiple choice. There's no right or wrong answer. It's just whatever\n\nChannel 1: Sure.\n\nChannel 0: you feel is going through,\n\nChannel 1: Yeah.\n\nChannel 0: you know, align with you the most. Okay? And if it doesn't make sense, let me know because some can be a bit tricky.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Now, Troy, have you ever bought direct shares yourself on the stock market or anything like that?\n\nChannel 1: For my kids, I have.\n\nChannel 0: Okay. Yep.\n\nChannel 1: And currently looking at doing some shares thing a share thing just to increase\n\nChannel 0: Oh,\n\nChannel 1: income\n\nChannel 0: yep.\n\nChannel 1: when I\n\nChannel 0: Yep.\n\nChannel 1: retire.\n\nChannel 0: Yep. Okay. Perfect. Now the next question here is in regards to inflation. So inflation\n\nChannel 1: Yeah.\n\nChannel 0: means that, you know, things are getting more expensive over time,\n\nChannel 1: Yeah.\n\nChannel 0: making your money worth less, and everything is, you know, costing a little bit more. Now\n\nChannel 1: Yeah.\n\nChannel 0: how much of a risk are you willing to take to kind of make sure that you stay on top of the rising prices? Would you\n\nChannel 1: I'm\n\nChannel 0: say\n\nChannel 1: I'm willing\n\nChannel 0: mhmm.\n\nChannel 1: to take a pretty high risk because they there'll be an election in a few years, and the way the data is showing is we might have someone else in there that can probably help the economy a bit better than what is currently happening.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: I\n\nChannel 0: Do\n\nChannel 1: think\n\nChannel 0: you quite\n\nChannel 1: there's\n\nChannel 0: com\n\nChannel 1: too much government\n\nChannel 0: Mhmm.\n\nChannel 1: spending\n\nChannel 0: Yep. Yep.\n\nChannel 1: currently, and that's\n\nChannel 0: Yep.\n\nChannel 1: increasing in place. Yeah.\n\nChannel 0: Yeah. So you'll be quite quite comfortable for your super to take on a bit of those fluctuations in\n\nChannel 1: Yeah.\n\nChannel 0: the short Yeah.\n\nChannel 1: Sure.\n\nChannel 0: Okay. Perfect. Now the next one is in regards to volatility. So how would you feel if in six\n\nChannel 1: Sure.\n\nChannel 0: months after placing an investment, you found out that your portfolio had decreased by 20% due to general trends in the market. So not particularly, like, one investment that's gone bad, just\n\nChannel 1: Yes.\n\nChannel 0: kind of the market as a whole, which obviously quite recently, we have seen bit of fluctuation in the market with everything going over in The US\n\nChannel 1: Yep.\n\nChannel 0: and and everything. And then going back to COVID, we obviously saw a bit of fluctuation during that time. Would\n\nChannel 1: It'd\n\nChannel 0: you\n\nChannel 1: be con concerning, but it's in a high risk one. You're looking you you you you have the upsell down. It'll go\n\nChannel 0: Yes.\n\nChannel 1: down, and then it come back up. But\n\nChannel 0: Correct.\n\nChannel 1: it's not that\n\nChannel 0: Correct.\n\nChannel 1: concerning because\n\nChannel 0: Okay.\n\nChannel 1: it will come\n\nChannel 0: Perfect.\n\nChannel 1: back up.\n\nChannel 0: Yep. Perfect. And would you say that, you know, is there on that you would if you had the option to do so, put a little bit more in. So thinking, well, okay. Now is maybe a good time to invest a little bit more if I can,\n\nChannel 1: If the\n\nChannel 0: Or\n\nChannel 1: market's\n\nChannel 0: would you\n\nChannel 1: down.\n\nChannel 0: yep. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Just to try to gain that that extra\n\nChannel 0: Exactly. Yep.\n\nChannel 1: extra\n\nChannel 0: Perfect.\n\nChannel 1: money.\n\nChannel 0: Yep. And in in terms of an investment return that you expect to get from your investments over the long term, zero to 2%, two to four, four to six, six to eight, or eight and above?\n\nChannel 1: Long term aid and above. I I wanna be with the company that is going out there and and doing the\n\nChannel 0: Yeah.\n\nChannel 1: best they can. Be in the in the top of the super funds, not\n\nChannel 0: Yep.\n\nChannel 1: mediocre or below.\n\nChannel 0: Yep. Yep. No. Perfect.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: want you\n\nChannel 0: it is\n\nChannel 1: to\n\nChannel 0: your\n\nChannel 1: work for my money.\n\nChannel 0: yes. And\n\nChannel 1: Yeah.\n\nChannel 0: it is your money you've worked hard for for retirement. So, of course, that's definitely very important.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now the the last question here is in regards to borrowing money. So would you\n\nChannel 1: Yeah.\n\nChannel 0: ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: In the position I'm in now, yes.\n\nChannel 0: Yes. Okay.\n\nChannel 1: Because\n\nChannel 0: Perfect.\n\nChannel 1: I I got ten years, and\n\nChannel 0: Yep.\n\nChannel 1: I haven't got not enough.\n\nChannel 0: Okay. Perfect. And now, Troy, that tells me here that you have come out as that high growth investor. Are you still comfortable staying in a high growth portfolio? You know, you have the time frame if you're looking about ten years.\n\nAre you still comfortable seeing a bit of fluctuations and and stuff in in the short term?\n\nChannel 1: Yeah. I am. But, again, I'm looking for the the best I can get, the best company that I can get to give the work, the investments the best\n\nChannel 0: Yep.\n\nChannel 1: they can and be\n\nChannel 0: Yep.\n\nChannel 1: be up there as either market leaders or quite high up there.\n\nChannel 0: Mhmm. Okay. Okay. Perfect. So if I look at your investments and I say with your high growth portfolio, which is typically a a ninety ten split, and I'll actually show you if you wanna click on the next attachment for me, it should say 2025 Vanguard index chart.\n\nChannel 1: Next page, did you say, or next?\n\nChannel 0: The next one.\n\nChannel 1: Mhmm.\n\nChannel 0: Yes. It should\n\nChannel 1: Oh,\n\nChannel 0: be the\n\nChannel 1: the\n\nChannel 0: next\n\nChannel 1: next.\n\nChannel 0: document. Yes.\n\nChannel 1: Okay. Okay. Oh, gone in. Sorry.\n\nChannel 0: No. That's okay.\n\nChannel 1: Next one. Vendegaard. Obviously, people are talking about Vendegaard, aren't they?\n\nChannel 0: Yes. Well, Vanguard, they are very big, and this they always\n\nChannel 1: Well, they're\n\nChannel 0: every\n\nChannel 1: in\n\nChannel 0: year\n\nChannel 1: the top three percent. Like, top three trading companies in the world, I believe. Is that correct?\n\nChannel 0: they are very big, and they they\n\nChannel 1: Yep.\n\nChannel 0: do they are very, very big, and they do a lot of your your passive ETFs that we can\n\nChannel 1: Yep.\n\nChannel 0: obviously look at with different allocation in portfolios and stuff like that. And they they always they do a lot of research and stuff, which is really good, and they publish these they update these every year. And I like\n\nChannel 1: Yes.\n\nChannel 0: to include this because it kind of makes you see the markets historically as a whole a little bit better, and then also\n\nChannel 1: Yep.\n\nChannel 0: when we're talking about the different asset classes. So this one here, it goes back to 1995. You can kind of see, obviously, all all the ups and downs until 2025. And you can see that the trend in the market, they always go up long term. But\n\nChannel 1: Yep.\n\nChannel 0: short term, you know, depending on what is going on, you will see up and down a market fluctuation.\n\nChannel 1: A 100%. Yeah.\n\nChannel 0: Yeah. Now when we are talking about that high growth allocation, we see 90 of your money invested in the top four here. So you will\n\nChannel 1: Yep.\n\nChannel 0: have US shares, Australian shares, international shares, and then property. Now these are the ones that is going to grow the most, but also fluctuate the most short\n\nChannel 1: How\n\nChannel 0: term.\n\nChannel 1: about gold? Is that a\n\nChannel 0: So gold for,\n\nChannel 1: gold and silver?\n\nChannel 0: yeah, so gold will kind of form part of the alternative asset. They can sometimes\n\nChannel 1: Yep.\n\nChannel 0: be counted towards both components, but it is one that we have in your portfolio at the moment. And kind of like I mentioned, the return on that one has done really well. So we definitely want to keep gold in your portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: especially because you have already got quite a bit of growth from it.\n\nChannel 1: Did\n\nChannel 0: So\n\nChannel 1: I do silver too or it's just gold?\n\nChannel 0: we can so the good thing with Netwealth is there's hundreds of different options that we can do. So Netwealth is just a platform. And then in Netwealth, we can choose from hundreds of different investments. So there's\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: okay.\n\nChannel 0: range of Vanguard options. There's a range of different investments across the globe. So if having silver in your portfolio is important to you,\n\nChannel 1: It's\n\nChannel 0: I can\n\nChannel 1: just\n\nChannel 0: factor that in.\n\nChannel 1: gold and silver. Yeah. Hand in hand. If gold rises, silver increases too. That's accurate?\n\nChannel 0: Mhmm. Kind of because they fall in the same, like you said, category. The only thing is as well that if we put too much in gold and, like,\n\nChannel 1: Oh,\n\nChannel 0: let's\n\nChannel 1: yeah.\n\nChannel 0: say, we add silver, that mean you're gonna have less exposure elsewhere.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: And we also wanna balance that that, you know, let's say we have, like you said, gold's done really well, then maybe other times when the growth equities are doing really well, then we wanna have and gold is not doing too well. We wanna have component of your portfolio that balance it out. So I kind of at all points\n\nChannel 1: Yep.\n\nChannel 0: in time, you have different investments kind of working together because you don't want too many investments acting the same way. Because\n\nChannel 1: Yeah.\n\nChannel 0: at some\n\nChannel 1: Yeah.\n\nChannel 0: times,\n\nChannel 1: Yep.\n\nChannel 0: they're gonna do amazing, and then other times, everything is not gonna do so good. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense? Yeah. But I can factor in when I do the research on the investment to see if we can incorporate silver into the portfolio, if that is going to work for things, if it if it is something you would like me to specifically consider.\n\nChannel 1: Just to have a look. But if it's\n\nChannel 0: Yep.\n\nChannel 1: gonna be detrimental\n\nChannel 0: Yep.\n\nChannel 1: to other\n\nChannel 0: Then.\n\nChannel 1: investments, well, don't worry. It's cool.\n\nChannel 0: Yep. Yep. Okay. Perfect. I'll I'll in fact, I'll do the research on that for you and obviously see the price and everything like that as well.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Thank you.\n\nChannel 0: no. That's okay. Now the last kind of 10% in a high growth portfolio are then your bottom three. So these are your defensive investments. So you can kinda see they have a lot smoother, you know, trajectory, but they don't\n\nChannel 1: Yes.\n\nChannel 0: grow as much. So their function is to try to limit fluctuations on the other investments a little bit and be there kind of, I guess, like, a little bit of the safer investment. So we only\n\nChannel 1: Yeah.\n\nChannel 0: have about 10% in these. Are you\n\nChannel 1: Yeah.\n\nChannel 0: still comfortable kind of with that split allocation in a high growth portfolio?\n\nChannel 1: Yeah. As long as the returns are there, that that's fine. It sorta\n\nChannel 0: Mhmm.\n\nChannel 1: level itself out. You've got one which steadily grows and the rest are\n\nChannel 0: Yep.\n\nChannel 1: smashing it, hopefully.\n\nChannel 0: Yeah. Because, otherwise, I can look at one step down, which is your growth. So you're still focusing on growing, but you have more of an eighty twenty split. So 80% in the top four, twenty in the bottom. So you will see a bit less of those fluctuations and ups and downs than in a high growth.\n\nBut longer term, you you can expect returns to be a little bit less.\n\nChannel 1: Yeah. And I will speak to the anointing team. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Perfect. So I'll go and do that. So, obviously, from here with your superannuation, I will go and do that research for you and check your investments to see which one are doing really well, which ones we wanna potentially swap out for other options that's going to ultimately give you the most amount of money into the full retirement. I\n\nChannel 1: Yep.\n\nChannel 0: will also do a bit of an updated projection for you so that you can see it. So I will do even just five and ten years forecasting just to see where things are on track for and how that might change things.\n\nChannel 1: Yep.\n\nChannel 0: And as well, when it comes to the superannuation side of it, when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of around a thousand dollars per week from your superannuation when you retire.\n\nChannel 1: Obviously,\n\nChannel 0: Do you still feel like that's achievable?\n\nChannel 1: depends on how far I don't know how much money you need for that, but that's why I'm diversing with the cash I've got. I can try to\n\nChannel 0: Yep.\n\nChannel 1: supersede that because I don't know if there's\n\nChannel 0: Okay.\n\nChannel 1: enough money there for a thousand dollars.\n\nChannel 0: Yep. Okay. And I can kind of factor factor that into it as well and do a bit of a calculation for you. And I can also then do a bit of a bit of assessment if currently based on the information we have, whether you would be at the time of 67 eligible for potential age pension or not depending on your\n\nChannel 1: Yeah.\n\nChannel 0: situation. So with your personal situation, I do wanna see if there's anything, you know, that's changed for you.\n\nChannel 1: There's\n\nChannel 0: So\n\nChannel 1: a\n\nChannel 0: I\n\nChannel 1: couple\n\nChannel 0: have\n\nChannel 1: of\n\nChannel 0: you\n\nChannel 1: things.\n\nChannel 0: Yeah? Do you want me to run through the different section, or do you wanna tell me the things that's changed?\n\nChannel 1: I'll just tell you where where the direction we're going and what\n\nChannel 0: Yep.\n\nChannel 1: you think.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: So,\n\nChannel 0: Mhmm.\n\nChannel 1: yep. You alright? Where were you at?\n\nChannel 0: Like no. Sorry. When it comes to your personal situation, I have\n\nChannel 1: Yep.\n\nChannel 0: you here down as a single, but you do have a partner. Do you guys don't\n\nChannel 1: Yes.\n\nChannel 0: live together, or has that changed?\n\nChannel 1: It will be changing halfway through the year.\n\nChannel 0: Yep. And then will you be the then? Or\n\nChannel 1: Yeah. What's the fact\n\nChannel 0: Yep.\n\nChannel 1: that they're just living together?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Just just living together.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now I do have here as well that you have two sons, but they are not financially dependent. They're a little bit older. Is that correct?\n\nChannel 1: They are they're both\n\nChannel 0: Yep.\n\nChannel 1: at uni. Well, one's going to uni hopefully, 21 and 19.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: But whilst they're at uni, we I help\n\nChannel 0: Yeah.\n\nChannel 1: them survive the\n\nChannel 0: Yeah.\n\nChannel 1: uni.\n\nChannel 0: Yeah. It's it's it's unfortunately very expensive,\n\nChannel 1: Yeah.\n\nChannel 0: but that's very nice of you. Now I don't have a next obtained on file for you. So that is just if for some\n\nChannel 1: Okay.\n\nChannel 0: reason we cannot get in touch with you, and you can\n\nChannel 1: Would\n\nChannel 0: nominate\n\nChannel 1: be\n\nChannel 0: who whoever you want.\n\nChannel 1: yep. Deco, Easley,\n\nChannel 0: Can you spell that for me? Sorry, Troy.\n\nChannel 1: d e c l a n,\n\nChannel 0: Perfect. And last name?\n\nChannel 1: t e I s l e y.\n\nChannel 0: Perfect. And relationship?\n\nChannel 1: That's my phone.\n\nChannel 0: Perfect. And his best contact number?\n\nChannel 1: 8429\n\nChannel 0: Two nine. Perfect.\n\nChannel 1: +1 62\n\nChannel 0: One six two. Yep.\n\nChannel 1: 2\n\nChannel 0: Two five seven. Great.\n\nChannel 1: 5\n\nChannel 0: Perfect. Thank you so much. Has anything\n\nChannel 1: 7.\n\nChannel 0: changed with your occupation?\n\nChannel 1: No. Not currently,\n\nChannel 0: No.\n\nChannel 1: but we're looking at buying a business\n\nChannel 0: Oh, yeah. Nice. What kind of\n\nChannel 1: that\n\nChannel 0: business?\n\nChannel 1: I don't know. This is Mhmm.\n\nChannel 0: In the process.\n\nChannel 1: With my partner.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So we're just weighing things up what would be best.\n\nChannel 0: Okay. Yep. Perfect. Do you know when you guys are looking to do it, or it just kind of depends on opportunities and whatever comes, you know, your\n\nChannel 1: K?\n\nChannel 0: way at the\n\nChannel 1: If\n\nChannel 0: time?\n\nChannel 1: an opportunity comes or within six to twelve months.\n\nChannel 0: Okay. Perfect. Now at the moment, I have here as well that your income is around 150,000.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And you are self employed?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And how is the the business set up? Is there, like, a sole trader or a company\n\nChannel 1: It's\n\nChannel 0: structure?\n\nChannel 1: a company.\n\nChannel 0: Company. Okay.\n\nChannel 1: So just a contractor for Goodman Fielder.\n\nChannel 0: Yep. Perfect. Correct. Like I kind of mentioned earlier as well, I will once we get those documents signed, if you're happy to do\n\nChannel 1: They're\n\nChannel 0: so,\n\nChannel 1: already signed.\n\nChannel 0: that's it. Great. Perfect. That that means I can then send off that lost super authority, like I mentioned, and see if I can find another super fund that potentially that money is going into that\n\nChannel 1: Yep.\n\nChannel 0: $3.50 a week, but then also definitely go in and speak to them and see\n\nChannel 1: So the issue\n\nChannel 0: yeah.\n\nChannel 1: I've had is I do nights. Had\n\nChannel 0: Yep.\n\nChannel 1: a bookkeeper, and I don't know what happened. She's she's not bookkeeping anymore and\n\nChannel 0: Okay.\n\nChannel 1: wanting the time to do everything is\n\nChannel 0: Yeah.\n\nChannel 1: a problem I have. So I've just got a I've had a few dramas in the past because of this, and I haven't corrected\n\nChannel 0: Okay.\n\nChannel 1: it. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm just currently going through that to try to correct it. So\n\nChannel 0: Yeah.\n\nChannel 1: that's why we have an issue with the super\n\nChannel 0: Yep.\n\nChannel 1: because it's\n\nChannel 0: Yep.\n\nChannel 1: a sale. The next week, but now super starting halfway through the year, you gotta pay it that that same time you pay the wages, which will make it a lot easier, but\n\nChannel 0: Yes. Yep.\n\nChannel 1: still gotta get the rest of it super.\n\nChannel 0: Yes. And if if it is that you do struggle to find one and you want a referral for an accountant as well, just let me know because I can always send you the information of the firm that we work closely with. If it is that you do want do you want me to send you that information, or or\n\nChannel 1: Sure.\n\nChannel 0: do you have yes? Okay.\n\nChannel 1: I have\n\nChannel 0: I'll\n\nChannel 1: an account, but a bookkeeper is probably the most important thing at the moment. But\n\nChannel 0: yeah.\n\nChannel 1: I'll take the information because the accountant if I\n\nChannel 0: Yeah.\n\nChannel 1: can get better again,\n\nChannel 0: Yes.\n\nChannel 1: the person that\n\nChannel 0: Yeah.\n\nChannel 1: can do the best for us.\n\nChannel 0: Exactly. Well, what I'll do is I will send you the email anyway, and you have their\n\nChannel 1: Yes.\n\nChannel 0: contact details. Or if you do prefer, I can get them to give you a call. But with if you do stay with ours, if it's easier for you to contact when you're available,\n\nChannel 1: Yeah. Because\n\nChannel 0: I'm\n\nChannel 1: yeah.\n\nChannel 0: happy to\n\nChannel 1: All my things\n\nChannel 0: yeah.\n\nChannel 1: went.\n\nChannel 0: Yeah. No. That's okay. I will just send you the information, and then\n\nChannel 1: Yep.\n\nChannel 0: you can obviously give them a call whenever you do have time. Yep. Now let me see here. Otherwise, I have here expenses about $1,200 a week, and you save roughly about 800 a week.\n\nChannel 1: I do. But then sometimes my sons might need things for their uni.\n\nChannel 0: Yeah. So it kind of fluctuates.\n\nChannel 1: Yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: I need to fix that up a little bit too. So\n\nChannel 0: Yep. Yep. Perfect. Now with your assets and your liabilities, I have here you have a a hybrid Kluger, I think, that you\n\nChannel 1: yeah.\n\nChannel 0: were planning\n\nChannel 1: Which\n\nChannel 0: on selling. You still have it?\n\nChannel 1: yes. They'll have\n\nChannel 0: Yep.\n\nChannel 1: it, but I wanna sell it and purchase a house for for my kids.\n\nChannel 0: Yeah. That's lovely of you.\n\nChannel 1: So that's the direction we're going.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. Like, they're saving some money too. That's why I\n\nChannel 0: Yeah.\n\nChannel 1: can help them so they can save\n\nChannel 0: Yeah. Yep.\n\nChannel 1: their\n\nChannel 0: Perfect.\n\nChannel 1: money and purchase a a property, and then they'll be right on a couple of properties.\n\nChannel 0: Yeah. Yeah. Oh, perfect. So at the moment, is that valued around the 90,000?\n\nChannel 1: It it's it's it's it was 90, but\n\nChannel 0: Mhmm.\n\nChannel 1: when I've looked on car sales and that, people are selling for $55.60.\n\nChannel 0: Okay. So maybe down to about 60.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And do you have about 16 owing on that one?\n\nChannel 1: Roughly.\n\nChannel 0: Roughly. Perfect.\n\nChannel 1: I\n\nChannel 0: Do\n\nChannel 1: pay\n\nChannel 0: you\n\nChannel 1: a\n\nChannel 0: also\n\nChannel 1: thousand dollars a week trying to\n\nChannel 0: Okay.\n\nChannel 1: get it down.\n\nChannel 0: Yep. Perfect. And do you also have the truck\n\nChannel 1: Else.\n\nChannel 0: valued at about 20,000? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: You didn't have anything owing on the truck?\n\nChannel 1: Yeah.\n\nChannel 0: No. Perfect. I also have here a van valued at about 15.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Nothing owing there either?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. I also have two motor vehicles,\n\nChannel 1: Yeah.\n\nChannel 0: both about 5,000.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And nothing owing there either?\n\nChannel 1: No.\n\nChannel 0: No. Great. I also have here a credit card of about 6,000 and a NAB credit card about 2.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: correct.\n\nChannel 0: Perfect. Any other new assets or any other liabilities in the last twelve months?\n\nChannel 1: Not currently. Yep.\n\nChannel 0: No. No. Great. Perfect. When it comes to health and lifestyle, I have you down here as a nonsmoker.\n\nThat's still the case? Perfect. And have you had any changes to your health at all in the last twelve months Or everything's all\n\nChannel 1: Everything's\n\nChannel 0: good?\n\nChannel 1: just alright. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Estate planning wise, I have you here as you have a current will in place?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And do you have a power of attorney as well, nomination?\n\nChannel 1: Nine nine.\n\nChannel 0: No. But you don't have anyone who makes, you know, any financial decisions on your behalf at all? No.\n\nChannel 1: No.\n\nChannel 0: Perfect. Now anything else that's changed that we haven't gone over? No. Okay. Perfect.\n\nAnd I guess kind of goals that you're working on in the next twelve months, the main focus is obviously doing that super rotation for you, making sure it's doing the best that it can. Potentially, obviously, you and your partner looking at the potential business and then obviously saving to buy that house for your son.\n\nChannel 1: Yeah.\n\nChannel 0: Any other goals that you're working through or anything else that you need assistance with?\n\nChannel 1: Just if we do purchase a business,\n\nChannel 0: Mhmm.\n\nChannel 1: there's a bit of money there, and it's just in a normal account,\n\nChannel 0: Mhmm.\n\nChannel 1: and it's earning interest. But\n\nChannel 0: Yep.\n\nChannel 1: we obviously pay tax on that. That's correct, isn't it? It's\n\nChannel 0: Yes.\n\nChannel 1: classed\n\nChannel 0: Yes.\n\nChannel 1: as an income.\n\nChannel 0: That's correct. Yes.\n\nChannel 1: Should it be put in different account that is there any account where you don't pay tax, or is there a way not to pay tax, or do I have to see an accountant for that?\n\nChannel 0: If it's directly tax related, it would be the accountant. But from an investment point of view,\n\nChannel 1: Yep.\n\nChannel 0: for for tax purposes, the the only way that you wouldn't would either be putting some in superannuation, but then you don't pay it. Or\n\nChannel 1: But you\n\nChannel 0: if\n\nChannel 1: can only pay a percentage. Is that right?\n\nChannel 0: no. You can make lump sums into superannuation as well, but there are restrictions on how much you could put in and also if you wanted before or after tax. But there is definitely that you can put some into superannuation for sure.\n\nChannel 1: Yeah.\n\nChannel 0: And you can also look at investment bond. That would be if you are looking from an investment that is tax effective and you don't pay that personal it doesn't get added to your taxable income,\n\nChannel 1: Would\n\nChannel 0: then\n\nChannel 1: that be,\n\nChannel 0: in that\n\nChannel 1: like, treasury bonds and things like that? Or\n\nChannel 0: no. It's it's very different. It's it is they call it investment bonds, but it's\n\nChannel 1: Yeah.\n\nChannel 0: still that's just kind of how it's held in that environment. You\n\nChannel 1: Yep.\n\nChannel 0: can still with within it, so it's not a bond per se that it's just kind of the name convention of it. You\n\nChannel 1: Oh,\n\nChannel 0: can still\n\nChannel 1: okay.\n\nChannel 0: yeah. You can invest. You can invest in Vanguard, for example. You can invest in different equities and stuff like that within it. It's\n\nChannel 1: Is\n\nChannel 0: just\n\nChannel 1: it\n\nChannel 0: kind of how\n\nChannel 1: easy to get the money out if you needed it or that's it? Because there's a lot\n\nChannel 0: yes.\n\nChannel 1: of restrictions.\n\nChannel 0: Yes. Yes and no. So that depending on which company, which bond you would go with, there are different goals.\n\nChannel 1: Yep.\n\nChannel 0: But some of the the biggest ones that we do tend to look at in these instances, they are that you can put it in and you can technically take it out tomorrow. It's not with superannuation where it gets locked in to retirement. You can put it in, and you can take it out whenever you want to. The the tricky part is to make it tax effective. So there are time constraints of how long you need to keep it in the bond to get\n\nChannel 1: Yep.\n\nChannel 0: those tax concessions. And, typically, that's about ten years. So it's kind\n\nChannel 1: Yeah.\n\nChannel 0: of locking it in for ten years because if you take it out after ten years, it doesn't form palm of the taxable income, and you also don't pay any capital gains tax personally. So it is quite tax effective if that's what you are kind of looking for,\n\nChannel 1: Yes.\n\nChannel 0: but we do typically say that ten year time frame to to get those concessions. Because if you take it out before that time frame, it would just kind of pay like your normal investments. You would still have to pay the tax on that.\n\nChannel 1: Is it is the the percentage you're in on it? Is it is it quite competitive?\n\nChannel 0: What will you earn on the investment?\n\nChannel 1: Yes.\n\nChannel 0: It would depend on the the which one of the investments you choose because there's there's a range of different investment you can choose from.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: let's\n\nChannel 0: it depends\n\nChannel 1: just try Vendergard because we talked about Vendergard.\n\nChannel 0: yeah. So you can go into it's kind of the same thing. So you can go in and do Vanguard,\n\nChannel 1: Yeah.\n\nChannel 0: and you can have it within the bond. It depends on which because Vanguard have a range of different products. So the return depend on which one, which risk allocation\n\nChannel 1: Okay.\n\nChannel 0: and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: But if it is something you are either wanting to look at now or a bit later once we sort out your super, it is something we can help you with. So\n\nChannel 1: Okay.\n\nChannel 0: if it is that you go to me because it also depends on how much you are wanting to put in. But if you go, you know what? I have 10,000 or 20,000 or 50, whatever it might be, and you go, you know what? I would like to see what this looks like. Then I can go and do the research for you and put together a a strategy and show you what it would look like.\n\nChannel 1: Yeah.\n\nChannel 0: And yeah. So it's definitely something we can look at as part of, you know, the research and everything for you, Whether that is something you would like to kind of explore further now or whether you wanna focus on your super and do those reviews and investments, and then we can maybe revisit the other investments either when you are ready or in six months or our next annual review whenever you would like,\n\nChannel 1: Yeah.\n\nChannel 0: we can do that as well.\n\nChannel 1: So we can contact you.\n\nChannel 0: Yes. You can you can contact me whenever. You can call me tomorrow or in a month or in six months or whenever you wanna look at it. You can just call and say that you\n\nChannel 1: Yes.\n\nChannel 0: would like an appointment to talk about investment options,\n\nChannel 1: Yep.\n\nChannel 0: and then we can definitely explore that further.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. Or you can even respond to the email when we send you the account and information. You can just say, hey. Can I book an appointment to talk about investment? And then we can do\n\nChannel 1: Yes.\n\nChannel 0: it as well. Yeah. So I'll add a little note to say that it might be something we wanna explore down the track as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Now the last question I had here, Troy, was in regards to your beneficiary nomination. So that is if something were to happen to you, who you want to nominate for your superannuation? Because at the moment,\n\nChannel 1: That'll\n\nChannel 0: we\n\nChannel 1: be\n\nChannel 0: don't\n\nChannel 1: back.\n\nChannel 0: have\n\nChannel 1: One\n\nChannel 0: anyone,\n\nChannel 1: sec.\n\nChannel 0: Declan. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now to to make the nomination, because you are making a legal nomination, you have to sign the form and get out to witness it. So\n\nChannel 1: Yes. Who is your witness, sir? Anyone?\n\nChannel 0: it can be any anyone as long as not the person you are nominating.\n\nChannel 1: Alright. Gonna be one\n\nChannel 0: Yep.\n\nChannel 1: person or two?\n\nChannel 0: Two people.\n\nChannel 1: Yeah. Okay. So\n\nChannel 0: Yep.\n\nChannel 1: Deckard Lane Hudson. Yeah.\n\nChannel 0: Now do you have access to a printer, or would you like us to express post the form to you?\n\nChannel 1: I'll get Nextiva too, Franco.\n\nChannel 0: You do? Okay. So what I'll get the team to do is they'll email you the form for Netwealth for your super. There\n\nChannel 1: Yep.\n\nChannel 0: is a cover letter as well because there's different type of nominations that you can make.\n\nChannel 1: Yeah.\n\nChannel 0: Have a read through it. If you have any questions or you're not sure, you can always give me a call and we can talk through it.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, complete that, send it back to us, and then I will get that uploaded to Netwealth to make sure that if something happens, it goes to him.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Cool.\n\nChannel 0: Now, Troy, do you have any other questions for me, or is there anything else that you need at at this point?\n\nChannel 1: No. That's it. Thank\n\nChannel 0: No.\n\nChannel 1: you.\n\nChannel 0: Okay. Perfect. So I'll refresh and see if those documents if that all came through signed okay, I will get that\n\nChannel 1: Yep.\n\nChannel 0: uploaded through Netwealth. But, you know, as with anything, it is not a lock in contract. So at any point\n\nChannel 1: Yes.\n\nChannel 0: in time, you are not happy with the service. If there is no lock in contract, the signing those documents just allows us to at least service your account in the meantime and do all of this for you. And, yeah, definitely then speak through the the people with the the superannuation\n\nChannel 1: Sure.\n\nChannel 0: as well to see where those contributions are. And as soon as I find out from the ATO, I will also let you know. But, otherwise, I will do this research on your account. Now it might take a couple of weeks for me to put everything\n\nChannel 1: Okay. Yeah.\n\nChannel 0: together.\n\nChannel 1: That's cool. That's\n\nChannel 0: Perfect.\n\nChannel 1: fine.\n\nChannel 0: As soon as I have it, though, Troy, I will give you a call, and I will run through the changes. And then you can let me know what what you think.\n\nChannel 1: Okay. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: No problem at all. I hope you have a lovely rest of your day, and I look forward to speaking\n\nChannel 1: You\n\nChannel 0: with\n\nChannel 1: too.\n\nChannel 0: you soon again. Thanks,\n\nChannel 1: Thank you.\n\nChannel 0: Troy.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.028116706758737564}],"sentiment":"neutral","sentiment_score":0.028116706758737564,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Good morning.","start":3.04,"end":3.52,"sentiment":"neutral","sentiment_score":0.28364454954862595},{"text":"Is this Troy?","start":3.52,"end":4.42,"sentiment":"neutral","sentiment_score":0.15513005604346594}],"sentiment":"neutral","sentiment_score":0.20653585344552994,"channel":0,"num_words":5,"start":3.04,"end":4.42},{"sentences":[{"text":"Yep.","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.12540608644485474}],"sentiment":"neutral","sentiment_score":0.12540608644485474,"channel":1,"num_words":1,"start":5.04,"end":5.54},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":6.08,"end":8.26,"sentiment":"neutral","sentiment_score":0.16718003526329994},{"text":"How are you this morning?","start":8.4,"end":9.54,"sentiment":"neutral","sentiment_score":0.2007270097732544}],"sentiment":"neutral","sentiment_score":0.18242866004055197,"channel":0,"num_words":11,"start":6.08,"end":9.54},{"sentences":[{"text":"Yeah.","start":9.679999,"end":10.0,"sentiment":"neutral","sentiment_score":0.24436601996421817},{"text":"Good.","start":10.0,"end":10.32,"sentiment":"positive","sentiment_score":0.5746678113937378},{"text":"Thank you.","start":10.32,"end":10.98,"sentiment":"positive","sentiment_score":0.7045839726924896}],"sentiment":"positive","sentiment_score":0.5570504441857338,"channel":1,"num_words":4,"start":9.679999,"end":10.98},{"sentences":[{"text":"That's good.","start":11.599999,"end":12.5,"sentiment":"positive","sentiment_score":0.7542833685874939},{"text":"I had you booked in to complete your annual review.","start":13.485,"end":16.525,"sentiment":"positive","sentiment_score":0.49418785870075227},{"text":"Is now still a good time for you?","start":16.525,"end":18.305,"sentiment":"positive","sentiment_score":0.3744282051920891}],"sentiment":"positive","sentiment_score":0.47229354828596115,"channel":0,"num_words":20,"start":11.599999,"end":18.305},{"sentences":[{"text":"Yeah.","start":18.564999,"end":18.965,"sentiment":"neutral","sentiment_score":0.11824585497379304},{"text":"Sure.","start":18.965,"end":19.465,"sentiment":"neutral","sentiment_score":0.142636239528656}],"sentiment":"neutral","sentiment_score":0.13044104725122452,"channel":1,"num_words":2,"start":18.564999,"end":19.465},{"sentences":[{"text":"Yeah.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":0.1835212409496307},{"text":"Perfect.","start":20.045,"end":20.545,"sentiment":"positive","sentiment_score":0.3681013882160187},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you.","start":21.005001,"end":29.27,"sentiment":"neutral","sentiment_score":0.04746575802564621}],"sentiment":"neutral","sentiment_score":0.061737355310469866,"channel":0,"num_words":32,"start":19.485,"end":29.27},{"sentences":[{"text":"Yeah.","start":29.689999,"end":29.849998,"sentiment":"neutral","sentiment_score":0.05558256059885025},{"text":"Sure.","start":29.849998,"end":30.349998,"sentiment":"neutral","sentiment_score":0.06557109951972961}],"sentiment":"neutral","sentiment_score":0.06057683005928993,"channel":1,"num_words":2,"start":29.689999,"end":30.349998},{"sentences":[{"text":"Yeah.","start":30.77,"end":31.17,"sentiment":"neutral","sentiment_score":0.09402704238891602},{"text":"Perfect.","start":31.17,"end":31.67,"sentiment":"neutral","sentiment_score":0.22214016318321228},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":31.730001,"end":39.91,"sentiment":"neutral","sentiment_score":0.07121011815392055}],"sentiment":"neutral","sentiment_score":0.07741536705621652,"channel":0,"num_words":28,"start":30.77,"end":39.91},{"sentences":[{"text":"Yeah.","start":40.329998,"end":40.73,"sentiment":"neutral","sentiment_score":0.011940076015889645},{"text":"Troy Matthew Peasley.","start":40.73,"end":42.03,"sentiment":"neutral","sentiment_score":0.010245390236377714},{"text":"111711 Poole Street in Eglington, New South Wales 2795.","start":42.415,"end":48.595,"sentiment":"neutral","sentiment_score":0.024081133512987032}],"sentiment":"neutral","sentiment_score":0.01995434218014662,"channel":1,"num_words":13,"start":40.329998,"end":48.595},{"sentences":[{"text":"Yep.","start":49.345,"end":49.845,"sentiment":"neutral","sentiment_score":0.14092697203159332},{"text":"Perfect.","start":49.985,"end":50.385002,"sentiment":"positive","sentiment_score":0.4950736761093139},{"text":"That's exactly what I have here.","start":50.385002,"end":52.085,"sentiment":"positive","sentiment_score":0.5604740977287292},{"text":"And how's your day been so far?","start":52.145,"end":53.825,"sentiment":"neutral","sentiment_score":0.192442957844053},{"text":"Been busy?","start":53.825,"end":54.565,"sentiment":"neutral","sentiment_score":0.03307599946856499}],"sentiment":"neutral","sentiment_score":0.31835870225639906,"channel":0,"num_words":17,"start":49.345,"end":54.565},{"sentences":[{"text":"I just woke up, so it's been 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Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up?","start":61.66,"end":77.525,"sentiment":"neutral","sentiment_score":-0.007091540148702718}],"sentiment":"neutral","sentiment_score":-0.007091540148702718,"channel":0,"num_words":59,"start":61.66,"end":77.525},{"sentences":[{"text":"I spoke to the whoever rang me, and I explained a few things.","start":77.955,"end":85.7,"sentiment":"neutral","sentiment_score":-0.04939544028960741},{"text":"Did they write them down for you or not 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potentially consolidate it so you don't have two funds if that's where the money's going.","start":264.815,"end":273.05002,"sentiment":"neutral","sentiment_score":0.16074190592324292},{"text":"So I can","start":273.35,"end":274.15,"sentiment":"neutral","sentiment_score":0.21567173302173615}],"sentiment":"neutral","sentiment_score":0.1650893739782847,"channel":0,"num_words":65,"start":251.04,"end":274.15},{"sentences":[{"text":"Uh-huh.","start":273.905,"end":274.405,"sentiment":"neutral","sentiment_score":0.22045794129371643}],"sentiment":"neutral","sentiment_score":0.22045794129371643,"channel":1,"num_words":1,"start":273.905,"end":274.405},{"sentences":[{"text":"find that information if you're happy to obviously you know, when when you're happy to find 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other questions for me, or is there anything else that you need at at this point?","start":3095.695,"end":3100.5151,"sentiment":"neutral","sentiment_score":0.10284165750173005}],"sentiment":"neutral","sentiment_score":0.10284165750173005,"channel":0,"num_words":22,"start":3095.695,"end":3100.5151},{"sentences":[{"text":"No.","start":3101.0,"end":3101.32,"sentiment":"neutral","sentiment_score":-0.17198561131954193},{"text":"That's 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weeks for me to put everything","start":3141.24,"end":3143.74,"sentiment":"neutral","sentiment_score":-0.04678646188515883}],"sentiment":"neutral","sentiment_score":0.0571053359816049,"channel":0,"num_words":47,"start":3131.595,"end":3143.74},{"sentences":[{"text":"Okay.","start":3143.345,"end":3143.665,"sentiment":"neutral","sentiment_score":0.0635254979133606},{"text":"Yeah.","start":3143.665,"end":3143.905,"sentiment":"neutral","sentiment_score":0.11483913660049438}],"sentiment":"neutral","sentiment_score":0.08918231725692749,"channel":1,"num_words":2,"start":3143.345,"end":3143.905},{"sentences":[{"text":"together.","start":3143.8,"end":3144.3,"sentiment":"neutral","sentiment_score":0.17758847773075104}],"sentiment":"neutral","sentiment_score":0.17758847773075104,"channel":0,"num_words":1,"start":3143.8,"end":3144.3},{"sentences":[{"text":"That's 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changes.","start":3146.295,"end":3150.4749,"sentiment":"neutral","sentiment_score":0.22192646208263578},{"text":"And then you can let me know what what you think.","start":3151.895,"end":3154.7148,"sentiment":"neutral","sentiment_score":0.2554270056161014}],"sentiment":"neutral","sentiment_score":0.23344227392226458,"channel":0,"num_words":32,"start":3146.295,"end":3154.7148},{"sentences":[{"text":"Okay.","start":3155.32,"end":3155.82,"sentiment":"positive","sentiment_score":0.3789364993572235},{"text":"Thank","start":3156.04,"end":3156.28,"sentiment":"positive","sentiment_score":0.7116021513938904}],"sentiment":"positive","sentiment_score":0.545269325375557,"channel":1,"num_words":2,"start":3155.32,"end":3156.28},{"sentences":[{"text":"Yep.","start":3156.1348,"end":3156.6348,"sentiment":"positive","sentiment_score":0.5229625701904297}],"sentiment":"positive","sentiment_score":0.5229625701904297,"channel":0,"num_words":1,"start":3156.1348,"end":3156.6348},{"sentences":[{"text":"you.","start":3156.28,"end":3156.78,"sentiment":"positive","sentiment_score":0.6435192823410034}],"sentiment":"positive","sentiment_score":0.6435192823410034,"channel":1,"num_words":1,"start":3156.28,"end":3156.78},{"sentences":[{"text":"No problem at all.","start":3157.0947,"end":3157.9749,"sentiment":"positive","sentiment_score":0.7456270903348923},{"text":"I hope you have a lovely rest of your day, and I look forward to 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again.","start":3161.3347,"end":3162.2349,"sentiment":"positive","sentiment_score":0.443578839302063},{"text":"Thanks,","start":3162.6147,"end":3163.015,"sentiment":"positive","sentiment_score":0.664959192276001}],"sentiment":"positive","sentiment_score":0.4989239275455475,"channel":0,"num_words":4,"start":3161.3347,"end":3163.015},{"sentences":[{"text":"Thank you.","start":3162.6802,"end":3163.4202,"sentiment":"positive","sentiment_score":0.7635185420513153}],"sentiment":"positive","sentiment_score":0.7635185420513153,"channel":1,"num_words":2,"start":3162.6802,"end":3163.4202},{"sentences":[{"text":"Troy.","start":3163.015,"end":3163.515,"sentiment":"positive","sentiment_score":0.4128519892692566}],"sentiment":"positive","sentiment_score":0.4128519892692566,"channel":0,"num_words":1,"start":3163.015,"end":3163.515},{"sentences":[{"text":"Bye.","start":3163.8801,"end":3164.3801,"sentiment":"positive","sentiment_score":0.3535726070404053}],"sentiment":"positive","sentiment_score":0.3535726070404053,"channel":1,"num_words":1,"start":3163.8801,"end":3164.3801},{"sentences":[{"text":"Bye.","start":3164.055,"end":3164.555,"sentiment":"neutral","sentiment_score":-0.1139812022447586}],"sentiment":"neutral","sentiment_score":-0.1139812022447586,"channel":0,"num_words":1,"start":3164.055,"end":3164.555}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers about their investment portfolios and offer advice on consolidating funds and reviewing account documents. They also discuss various investment options and personal and financial information, including retirement plans and savings goals. The representatives emphasize the importance of maintaining a high growth portfolio and emphasize the need for a balanced investment strategy. They offer to provide information and referral for an accountant and provide details on tax concessions and beneficiary nomination. The representatives also emphasize the importance of staying in a high growth portfolio and emphasize the need for a healthy lifestyle."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you. Yeah.","start_word":46,"end_word":76,"intents":[{"intent":"Update call recording","confidence_score":0.0010399212}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah.","start_word":80,"end_word":106,"intents":[{"intent":"Confirm identity","confidence_score":0.47968858},{"intent":"Confirm identity","confidence_score":0.6258972}]},{"text":"Now, Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up?","start_word":148,"end_word":206,"intents":[{"intent":"Ask for details","confidence_score":0.0001073502}]},{"text":"If there is any other super funds out there that potentially this money is going into. And if so, we can find it. I can do research on the account and then make sure to potentially consolidate it so you don't have two funds if that's where the money's going.","start_word":589,"end_word":638,"intents":[{"intent":"Find and consolidate super funds","confidence_score":0.014443262}]},{"text":"Now the other thing I can see here as well is that you did have a bit of concern, obviously, with your super and the performance and kind of what's happened in the last twelve months. It's been a couple of years. Okay.","start_word":719,"end_word":761,"intents":[{"intent":"Inquire about performance","confidence_score":0.0114147365}]},{"text":"how it's tracking because we're getting a bit older. Yeah.","start_word":790,"end_word":799,"intents":[{"intent":"Clarify tracking","confidence_score":0.034433804}]},{"text":"And, We obviously, the stoop is wanna not there. I need to see where make what we can do to sure it's Make sure we get you try as to close. increase it. Yeah.","start_word":800,"end_word":833,"intents":[{"intent":"Close situation","confidence_score":0.0005847547}]},{"text":"If you can access it. If not, I can always run Yeah.","start_word":869,"end_word":880,"intents":[{"intent":"Access email","confidence_score":0.92797804},{"intent":"Access document","confidence_score":0.46529272},{"intent":"Access attachments","confidence_score":0.04301297}]},{"text":"Now as you see the email, it will there is a link where it will ask you to click on to sign the document. But before Yep.","start_word":935,"end_word":961,"intents":[{"intent":"Sign document","confidence_score":0.001898842}]},{"text":"I've got signature and date. Yep. Yep.","start_word":1061,"end_word":1067,"intents":[{"intent":"Confirm signature","confidence_score":0.17576179}]},{"text":"I've got signature and date. Yep. Yep. So that will be those digital documents. So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file. Yep. What's the next one you can see? So I'll sign that for you. Yeah.","start_word":1061,"end_word":1116,"intents":[{"intent":"Sign document","confidence_score":0.43848872}]},{"text":"So that will be those digital documents. So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file. Yep.","start_word":1068,"end_word":1102,"intents":[{"intent":"Check document status","confidence_score":0.00012422503}]},{"text":"What's the next one you can see? So I'll sign that for you. Yeah. Yep. Yes, please. If if you don't mind, Yeah. that'd be great. The going down, is it? Yes.","start_word":1103,"end_word":1134,"intents":[{"intent":"Specify next step","confidence_score":0.000004643041}]},{"text":"Add the fees? Yes.","start_word":1175,"end_word":1178,"intents":[{"intent":"Add fees","confidence_score":0.20413703}]},{"text":"us search with the ATO. But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that. It says structure and contributions. Is that it?","start_word":1319,"end_word":1360,"intents":[{"intent":"Search for ato","confidence_score":0.23340708}]},{"text":"us search with the ATO. But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that. It says structure and contributions. Is that it? No.","start_word":1319,"end_word":1361,"intents":[{"intent":"Search with attachments","confidence_score":0.04328109}]},{"text":"can you scroll at the bottom of the email, and can you see a couple of attachments? Yep.","start_word":1400,"end_word":1417,"intents":[{"intent":"Scroll email","confidence_score":0.2539095}]},{"text":"The O2 financial services guide and then the O2 services guide, I won't get you to open those now.","start_word":1439,"end_word":1457,"intents":[{"intent":"Open documents","confidence_score":0.15947497}]},{"text":"long compliance documents, but, basically, everything that you need to know about us is in there for you. So the information about the team and our directors and our advisers and everything is Yep. in those two documents. So, obviously, when you have a moment, they are quite long. Have a bit of a read over it in your in your own time. That's Sure.","start_word":1492,"end_word":1556,"intents":[{"intent":"Confirm document structure","confidence_score":0.00012506655}]},{"text":"Super summary. Yes.","start_word":1571,"end_word":1573,"intents":[{"intent":"Confirm super summary","confidence_score":0.17771903}]},{"text":"That is your portfolio. If you can open that one for me. Yep. Yep. Now, obviously, if you're looking at your phone, it can be a little bit small. But, Yep. essentially, this one here breaks down your portfolio in over the last twelve months. Yep.","start_word":1574,"end_word":1619,"intents":[{"intent":"Provide portfolio information","confidence_score":0.10051493}]},{"text":"So you can see here that the at that time, your super balance was at actually, let me just go in and get 100 it and today 50 for 6. you.","start_word":1644,"end_word":1674,"intents":[{"intent":"Confirm super balance","confidence_score":0.254675}]},{"text":"Now at the above it, you can then see all your investments listed. So you can see all the different investments in the different categories that we have there for you. Yeah.","start_word":1679,"end_word":1710,"intents":[{"intent":"Confirm investment category","confidence_score":0.00938057}]},{"text":"No. investments versus I've gold. just got the summary.","start_word":1724,"end_word":1732,"intents":[{"intent":"Confirm gold class","confidence_score":2.0193406e-7}]},{"text":"It says superannuation net wealth.","start_word":1781,"end_word":1785,"intents":[{"intent":"Confirm superannuation net wealth","confidence_score":0.36225605}]},{"text":"That is just the summary of your account exactly. So nothing you have to click on that one. It just So shows get you ahead of that the one, balance. Yep.","start_word":1818,"end_word":1848,"intents":[{"intent":"Analyze account balance","confidence_score":0.0020804433}]},{"text":"And then kind of analyze whether they think it's going to be a good investment with the the different stocks in the Australian equity. So it is different through, like, the other one where it says, like, the international equities you can see listed underneath it. Yep.","start_word":2249,"end_word":2295,"intents":[{"intent":"Analyze investments and investments","confidence_score":0.00008287927}]},{"text":"So I would like to ask the call today if you are happy for me to do so, do a bit more research on your investment, especially that Benelon, Sure.","start_word":2614,"end_word":2643,"intents":[{"intent":"Analyze investment options","confidence_score":0.02095565}]},{"text":"Now with reviewing your portfolio and your investment, I do also wanna make sure that we are in a portfolio overall that aligns with your time frames and how you feel about it.","start_word":2868,"end_word":2900,"intents":[{"intent":"Assess portfolio investment","confidence_score":0.0005842292}]},{"text":"And would you say that, you know, is there on that you would if you had the option to do so, put a little bit more in. So thinking, well, okay. Now is maybe a good time to invest a little bit more if I can, If the Or market's would you down. yep.","start_word":3530,"end_word":3583,"intents":[{"intent":"Discuss investment options","confidence_score":0.03582259}]},{"text":"Just to try to gain that that extra Exactly.","start_word":3588,"end_word":3596,"intents":[{"intent":"Gain extra money","confidence_score":0.5981412}]},{"text":"And in in terms of an investment return that you expect to get from your investments over the long term, zero to 2%, two to four, four to six, six to eight, or eight and above?","start_word":3601,"end_word":3636,"intents":[{"intent":"Determine interest rate","confidence_score":0.048006583},{"intent":"Determine investment return","confidence_score":0.20813592}]},{"text":"ever consider taking out a loan to invest in stocks or funds?","start_word":3731,"end_word":3742,"intents":[{"intent":"Determine investment interest","confidence_score":0.019735677}]},{"text":"And now, Troy, that tells me here that you have come out as that high growth investor. Are you still comfortable staying in a high growth portfolio? You know, you have the time frame if you're looking about ten years. Are you still comfortable seeing a bit of fluctuations and and stuff in in the short term? Yeah.","start_word":3768,"end_word":3825,"intents":[{"intent":"Determine investment level","confidence_score":0.02090602},{"intent":"Determine investment duration","confidence_score":0.07941674},{"intent":"Determine investment portfolio preferences","confidence_score":0.020156251},{"intent":"Determine investment portfolio size","confidence_score":0.023937033},{"intent":"Determine investment portfolio location","confidence_score":0.00037388838}]},{"text":"to include this because it kind of makes you see the markets historically as a whole a little bit better, and then also Yep. when we're talking about the different asset classes. So this one here, it goes back to 1995. You can kind of see, obviously, all all the ups and downs until 2025. And you can see that the trend in the market, they always go up long term. But Yep.","start_word":4065,"end_word":4137,"intents":[{"intent":"Evaluate portfolio trends","confidence_score":0.0009407139}]},{"text":"But I can factor in when I do the research on the investment to see if we can incorporate silver into the portfolio, if that is going to work for things, if it if it is something you would like me to specifically consider. Just to have a look.","start_word":4556,"end_word":4604,"intents":[{"intent":"Analyze portfolios","confidence_score":0.021202762}]},{"text":"So, obviously, from here with your superannuation, I will go and do that research for you and check your investments to see which one are doing really well, which ones we wanna potentially swap out for other options that's going to ultimately give you the most amount of money into the full retirement. I Yep.","start_word":4876,"end_word":4930,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.054851383}]},{"text":"And I can kind of factor factor that into it as well and do a bit of a calculation for you. And I can also then do a bit of a bit of assessment if currently based on the information we have, whether you would be at the time of 67 eligible for potential age pension or not depending on your Yeah.","start_word":5074,"end_word":5135,"intents":[{"intent":"Evaluate financial situation","confidence_score":0.3846483}]},{"text":"reason we cannot get in touch with you, and you can Would nominate be who whoever you want.","start_word":5379,"end_word":5396,"intents":[{"intent":"Nominate","confidence_score":0.08795788}]},{"text":"reason we cannot get in touch with you, and you can Would nominate be who whoever you want. yep.","start_word":5379,"end_word":5397,"intents":[{"intent":"Negotiate contract terms","confidence_score":0.000024351959}]},{"text":"but we're looking at buying a business Oh, yeah.","start_word":5469,"end_word":5477,"intents":[{"intent":"Discuss business options","confidence_score":0.03769781}]},{"text":"What kind of that business? I don't know.","start_word":5479,"end_word":5486,"intents":[{"intent":"Determine business type","confidence_score":0.3195799}]},{"text":"And you are self employed? Yeah.","start_word":5571,"end_word":5576,"intents":[{"intent":"Confirm employment","confidence_score":0.0007874134},{"intent":"Consider self-employment","confidence_score":0.00053150783}]},{"text":"And how is the the business set up? Is there, like, a sole trader or a company It's structure?","start_word":5579,"end_word":5597,"intents":[{"intent":"Determine business structure","confidence_score":0.1631163}]},{"text":"That that means I can then send off that lost super authority, like I mentioned, and see if I can find another super fund that potentially that money is going into that Yep.","start_word":5641,"end_word":5673,"intents":[{"intent":"Negotiate super fund","confidence_score":0.0013665601}]},{"text":"that's why we have an issue with the super Yep. because it's Yep. a sale. The next week, but now super starting halfway through the year, you gotta pay it that that same time you pay the wages, which will make it a lot easier, but Yes.","start_word":5765,"end_word":5811,"intents":[{"intent":"Help with sale","confidence_score":0.000016000688}]},{"text":"And if if it is that you do struggle to find one and you want a referral for an accountant as well, just let me know because I can always send you the information of the firm that we work closely with. If it is that you do want do you want me to send you that information, or or Sure.","start_word":5822,"end_word":5882,"intents":[{"intent":"Update information","confidence_score":0.0025893168},{"intent":"Contact accountant","confidence_score":0.06701532},{"intent":"Keep with firm","confidence_score":0.004134783}]},{"text":"Well, what I'll do is I will send you the email anyway, and you have their Yes. contact details. Or if you do prefer, I can get them to give you a call. But with if you do stay with ours, if it's easier for you to contact when you're available, Yeah.","start_word":5933,"end_word":5984,"intents":[{"intent":"Send email","confidence_score":0.6267455}]},{"text":"Now with your assets and your liabilities, I have here you have a a hybrid Kluger, I think, that you yeah. were planning Which on selling.","start_word":6080,"end_word":6105,"intents":[{"intent":"Sell a hybrid kluger","confidence_score":0.19541197}]},{"text":"You still have it? yes. They'll have Yep. it, but I wanna sell it and purchase a house for for my kids. Yeah.","start_word":6106,"end_word":6128,"intents":[{"intent":"Specify budget for selling a vehicle","confidence_score":5.3834487e-8}]},{"text":"They'll have Yep. it, but I wanna sell it and purchase a house for for my kids. Yeah.","start_word":6111,"end_word":6128,"intents":[{"intent":"Purchase a house for kids","confidence_score":0.0006909616},{"intent":"Buy a house for kids","confidence_score":0.0010439612}]},{"text":"And do you have about 16 owing on that one? Roughly.","start_word":6225,"end_word":6235,"intents":[{"intent":"Determine owed amount","confidence_score":0.0055280356}]},{"text":"I also have two motor vehicles, Yeah. both about 5,000. Yeah.","start_word":6302,"end_word":6312,"intents":[{"intent":"Mention a large number of vehicles in the past twelve months","confidence_score":3.9374225e-7}]},{"text":"That would be if you are looking from an investment that is tax effective and you don't pay that personal it doesn't get added to your taxable income, Would then that be, in that like, treasury bonds and things like that? Or no.","start_word":6739,"end_word":6781,"intents":[{"intent":"Inquire about investment options","confidence_score":0.0044125933}]},{"text":"Can I book an appointment to talk about investment? And then we can do Yes. it as well. Yeah.","start_word":7499,"end_word":7517,"intents":[{"intent":"Schedule investment appointment","confidence_score":0.023045314}]},{"text":"So I'll refresh and see if those documents if that all came through signed okay, I will get that Yep. uploaded through Netwealth. But, you know, as with anything, it is not a lock in contract. So at any point Yes.","start_word":7810,"end_word":7850,"intents":[{"intent":"Review documents","confidence_score":0.0019129323}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Troy? Yep. This is Veronica from Oakview Financial. How are you this morning? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.17425094544887543},{"text":"Good. Thank you. That's good. I had you booked in to complete your annual review. Is now still a good time for you?","start_word":19,"end_word":41,"sentiment":"positive","sentiment_score":0.5137528777122498},{"text":"Yeah. Sure. Yeah.","start_word":42,"end_word":44,"sentiment":"neutral","sentiment_score":0.14813444018363953},{"text":"Perfect.","start_word":45,"end_word":45,"sentiment":"positive","sentiment_score":0.3681013882160187},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if okay with you. Yeah. Sure. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Troy Matthew Peasley. 111711 Poole Street in Eglington, New South Wales 2795. Yep.","start_word":46,"end_word":119,"sentiment":"neutral","sentiment_score":0.05561776086688042},{"text":"Perfect. That's exactly what I have here.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.5372348427772522},{"text":"And how's your day been so far? Been busy? I just woke up, so it's been alright.","start_word":127,"end_word":143,"sentiment":"neutral","sentiment_score":0.16866104304790497},{"text":"That's Sounds great. good.","start_word":144,"end_word":147,"sentiment":"positive","sentiment_score":0.53972989320755},{"text":"Now, Troy, before I do jump in through the annual review, I do like to ask if there is anything specific that you are hoping to get out of this review today or any areas you would like me to focus a bit extra on or whether it's just just wanna just want a bit of a catch up? I spoke to the whoever rang me, and I explained a few things. Did they write them down for you or not really? No. Yeah. She she did. So one was that you are self employed. You are paying yourself $3.50 a week all through the accounting software. Very simple. Yeah. Now I did have a look in your Netwealth account just before going on the call, Yep. and I actually cannot see any contributions going into Netwealth. The No. last We'll one be find out our contributions. So we've had to pay through the ATO. yep. So I don't know what they do with it. I just pay x amount per per week. So I don't know what happens with that. Yep. Yeah. Okay. Because, usually, obviously, paying it that way because it's through your super even though it is obviously from the ATO, we would see it distributed into your account. Okay. Yeah. And having a look in your account, the last contribution I can see was on the 12/02/2024. And what was that? Was it $300? Or Yeah. It was $398.58. I'll have to speak to them because I'm paying x amount to catch up on Yeah. all our our super. Yeah. I don't know Yeah. where that goes. Or is it when it's all caught up, they put it in? Or No. Typically, it would be distributed as you pay it. Now some softwares and stuff like that, they do it, like, on a quarterly basis. So sometimes you can see it being depending on how what the structure is, but that's typically more so if you have an employer, and then they have to pay it at least every quarter. But, obviously, having a look through all all the statement, there's nothing going in 2024. So definitely go and have a chat to them and see if you Yep. can if you can find it. Now what I also included for you that we can do on our end sorry. I have just sent you a document with some documents to go through. Part of that is a form that's called an LSA. So it is called a lost super authority form. What that Yep. allows us to do is it lets us start with the ATO. If there is any other super funds out there that potentially this money is going into. And if so, we can find it. I can do research on the account and then make sure to potentially consolidate it so you don't have two funds if that's where the money's going. So I can Uh-huh.","start_word":148,"end_word":642,"sentiment":"neutral","sentiment_score":0.004099320688030936},{"text":"find that information if you're happy to obviously you know, when when you're happy to find the Yep. documents.","start_word":643,"end_word":661,"sentiment":"positive","sentiment_score":0.3895524740219116},{"text":"Once that comes through, I will submit it to the ATO. The ATO, it sometimes takes a little while for for that to come through. Excuse me. But then at least when I do, I can at least see, well, is it going elsewhere or what's happening? Yep. Does that make sense? Eight times. Yep. Okay.","start_word":662,"end_word":717,"sentiment":"neutral","sentiment_score":-0.04098074071641479},{"text":"Perfect.","start_word":718,"end_word":718,"sentiment":"positive","sentiment_score":0.5806497931480408},{"text":"Now the other thing I can see here as well is that you did have a bit of concern, obviously, with your super and the performance and kind of what's happened in the last twelve months. It's been a couple of years. Okay. In in regards to Bendigo, Mhmm. I know their rate of return is rate of investment is 38%. So I I just see where where Mhmm. how Yep. how it's tracking because we're getting a bit older. Yeah. And, We obviously, the stoop is wanna not there. I need to see where make what we can do to sure it's Make sure we get you try as to close. increase it. Yeah. Exactly. Now I can have sorry. Pat, did you get that email by any chance Yep. there, What Troy? email? Just then, was it? Yes. Now it sometimes does go to spam as well. Yeah. If you can access it. If not, I can always run Yeah. through the info with you, and then you can have a look at it a little bit later. And then if you have any questions, you can let me know. But if you can get it up at the same time, that is also Yeah. helpful. Yeah. Yeah. I got it out. Yeah. Perfect. Now as you see the email, it will there is a link where it will ask you to click on to sign the document. But before Yep. I get you to to click on that link, if you scroll down in the email, you should see a couple of attachments at the bottom. Can you see those? Yep. I'm fine. Yep. Yes. There are a couple. To make it easier for you, do you wanna let me know which one comes first on your end, and I can go through with it in that order? Okay. The first one is representative to hold my tax phone number Yes. in a secure location. Yes. So have Yep. you clicked on on the link? There's no link. Okay. I've got signature and date. Yep. Yep. So that will be those digital documents. So that first one is is more of a compliance form just like you read that we are, obviously, keeping your tax file number secure on file. Yep. What's the next one you can see? So I'll sign that for you. Yeah. Yep. Yes, please. If if you don't mind, Yeah.","start_word":719,"end_word":1125,"sentiment":"neutral","sentiment_score":0.0377766627415612},{"text":"that'd be great.","start_word":1126,"end_word":1128,"sentiment":"positive","sentiment_score":0.5706334114074707},{"text":"The going down, is it? Yes. It's got my tax file number, and it needs a signature, Yes. name, and date signed. Yep. Yes. Yep. Yep.","start_word":1129,"end_word":1154,"sentiment":"neutral","sentiment_score":0.121049664914608},{"text":"Perfect.","start_word":1155,"end_word":1155,"sentiment":"positive","sentiment_score":0.4517889022827149},{"text":"Do you want another is there another one? Yes. There should be another one. What does that one say? Add the fees? Yes. So that is the ongoing service agreement. Now that one there is if you are happy to stay on as a client, it lets us service service your account and everything. Now But there we haven't is no discussed anything yet. no. So So we you we're don't have signing to sign something before we haven't before we've discussed. yeah. So You so know don't what I mean? sign any yeah. Don't sign any of those yet until we have gone through everything. Yeah. And that's Yep. the only one, is it? There should be one more after that one, Yeah. It which says next, is but it obviously, it's yeah. on the Yeah. next It one. yeah. The the last one that it gets ask you to sign is the lost super authority form I mentioned That lets Yeah. us search with the ATO. But if you just go back for me a little bit, you should then be able to see the other attachments, which is your portfolio and stuff like that. It says structure and contributions. Is that it? No. There No. should It's be not just get it back. if you yeah. Even if you can click out of the email altogether, Yep. And then when you open the email, so when you first open it, Yep. can you scroll at the bottom of the email, and can you see a couple of attachments? Yep. I feel Yep. service guide. Isn't that it? Yes. Financial Yes. services guide. Yes. Exactly. So there is a couple there. The O2 financial services guide and then the O2 services guide, I won't get you to open those now. I'll get you to have Yeah. a read over them in their own time, but that's just our financial services guide. You would have seen this before. It's one of those kind of Yeah. long compliance documents, but, basically, everything that you need to know about us is in there for you. So the information about the team and our directors and our advisers and everything is Yep. in those two documents. So, obviously, when you have a moment, they are quite long. Have a bit of a read over it in your in your own time. That's Sure. just for your reference. Now Yep. what is the next one you can see? Super summary. Yes. That is your portfolio. If you can open that one for me. Yep. Yep. Now, obviously, if you're looking at your phone, it can be a little bit small. But, Yep. essentially, this one here breaks down your portfolio in over the last twelve months. Yep. So you can see that the the opening value now this was on the February 24. So two days ago, we prepared these documents. So you can see here that the at that time, your super balance was at actually, let me just go in and get 100 it and today 50 for 6. you. Yes. 156,000 166. Yep. Now at the above it, you can then see all your investments listed. So you can see all the different investments in the different categories that we have there for you. Yeah. So you can see kind of the cash. You can see alternative No. No. investments versus I've gold. just got the summary. It must be Yes. the next one down that I was supposed to look at. It is on that summary. It's where that a 156,000 was listed. Yep. Do I It's click on Okay. something? Because there's nothing there.","start_word":1156,"end_word":1771,"sentiment":"neutral","sentiment_score":0.04075815630381226},{"text":"No.","start_word":1772,"end_word":1772,"sentiment":"negative","sentiment_score":-0.3360830247402191},{"text":"What what can you see right now? Okay. It says superannuation net wealth. Their member Yes? number, approximate Yes? Benefit, 156.52910. Mhmm. And then I gave down you currently do not hold any insurance or investment accounts, and Okay. that's it. Yep. Yeah. Okay. Yes. That is just the summary of your account exactly. So nothing you have to click on that one. It just So shows get you ahead of that the one, balance. Yep. You can you can click on the next one. which is my name. Yep. And there's two lots there. Yep. Second one, super summary. Yep. Not that one. Sorry. No. That's okay. Let's see that. I'm okay. That one. Yeah. It's got the the breakdown. Yes.","start_word":1773,"end_word":1894,"sentiment":"neutral","sentiment_score":0.05769821500680486},{"text":"Perfect.","start_word":1895,"end_word":1895,"sentiment":"positive","sentiment_score":0.4982009530067444},{"text":"Yep. So this one here gives you a breakdown of your investment and your portfolio over the last twelve months. So in this one, you see your different investments, and you also see how they have performed. So you can see on the return column, so that is the second column to the right, you can then see Yep. the in the individual investment. So you can see, for example, that gold has been very strong. It's gone up that Yeah. 566%. Now the one underneath it, I do wanna have a review of because that one is down at the moment, and it has underperformed a bit. Michelle's. That's Yeah. The Benelong, is that the one can you see where there's the Benelong Australian equity? Can you see that Yes. one? Yes. Now this one here forms a bit different part of the investments in there for you. So when it was added to your account, when you came on board as a client, it was doing really, really well. Recently, they have underperformed a little bit. I would like to do some What research on what that is investment. Bang Along? What Yeah. what are they? They just oh, It's a managed fund. So a they oh, okay. yeah. Sorry. So Just that one Australian is a bit equities they use or the co correct. Yeah. So they yep. use Australian equities. Now how they select the investment is a little bit different to the other ones in that they are what we will call your your active managers. So they their focus is through kind of buying and selling different investments a bit more frequently with Yep. trying to outperform the market. So they do all the research and stuff, and they're trying to do the buying and the selling to tryna outperform the market Yep. because they they do So a bit the more. futures so the trading would it be? Not really futures. It's more so that they they look at a company. So it's still Oh, equity I'm safe. and I everything. don't work. Right? Yep. Yeah. And then kind of analyze whether they think it's going to be a good investment with the the different stocks in the Australian equity. So it is different through, like, the other one where it says, like, the international equities you can see listed underneath it. Yep. These investments, they are more what we would call your passive investment. So it's still equity, but these ones have so for example, the bottom one where it says iShares SMP 500. Can you see that one? Yep. Yep. So that works a bit differently that they basically track an index. So they don't do that much, you know, the buying and the selling of different investments in that Yep. they track an index. So this one here, they follow the the 500 biggest companies listed in The US. So you Yep. are kind of in that one single investment invested in those 500 companies. And as, you know, a company gets smaller and a bigger one come, it kind of goes in and out of the index. So, Mhmm. obviously, it's not so much, you know, research and stuff that goes into it. It just kinda follows that index. So that's how they are a bit different to that Benelung at one. Does Yeah. that make sense? Right? Okay. Yep.","start_word":1896,"end_word":2466,"sentiment":"neutral","sentiment_score":0.040320546596250686},{"text":"Right. Perfect.","start_word":2467,"end_word":2468,"sentiment":"positive","sentiment_score":0.5247564315795898},{"text":"Now with Benelung at the moment, one of their contributing factors to why they are down at the moment and why we want to look at swapping that one out for something that's doing a little bit better is that one of the investments that they had in their portfolio was corporate travel group, and they had a bit of issues with their reporting. And so with that, it caused the the kind of share price. You couldn't trade it anymore, so that's Hello. why they kinda Don't went be. backwards. They didn't report things correctly yet. Yes. So Yes. we wanna look at obviously, it wasn't Benelung. It was one of the companies that they were invested in, but it Yes.","start_word":2469,"end_word":2590,"sentiment":"neutral","sentiment_score":-0.1591799557209015},{"text":"still obviously caused the the returns to go down, and they haven't been kind of performing as well as we would have liked.","start_word":2591,"end_word":2613,"sentiment":"negative","sentiment_score":-0.445313960313797},{"text":"So I would like to ask the call today if you are happy for me to do so, do a bit more research on your investment, especially that Benelon, Sure. Yep.","start_word":2614,"end_word":2644,"sentiment":"neutral","sentiment_score":0.13069342076778412},{"text":"and trying to see if I can find some other options for you that is going to make your super grow a little bit more, obviously, for your retirement and perform a little bit better.","start_word":2645,"end_word":2679,"sentiment":"positive","sentiment_score":0.4305010437965393},{"text":"Yep. So Yep. is it the same sort of thing you're looking at, one of those equity funds that try to predict the the better business or something will will thrive and their shares will increase, or There do are you a lot look of at their diff different options? I do both. So I can look at I'll look at a direct similarity, Okay. so where they do the same concept. But if that isn't going to do better and you pay more for that service and they're not Yes. going to do better, then I might say, let's not do that and let's instead maybe do another index in Australia. So maybe one that is kind of tracking companies in Australia instead. So Yes. I will do that research for you and see which option is going to, you know, give that return for you, which I know is important, but then also kind of keeping the fees down, and then, I guess, which one's going to be better for you long term. Yeah. Yep. Does that that make sense, Troy? It does. Yeah. Yep. Okay. Now with reviewing your portfolio and your investment, I do also wanna make sure that we are in a portfolio overall that aligns with your time frames and how you feel about it. Because at the moment, we have you invested in a high Yes. growth portfolio. Now typically, in a in a high growth portfolio as well, it is obviously designed to kinda maximize that growth as much as possible in the long term, Yes. but also seeing, you know, quite a bit of fluctuation in the short term to tryna achieve that long term. Yep.","start_word":2680,"end_word":2964,"sentiment":"neutral","sentiment_score":0.08290455506036157},{"text":"Now typically in a high growth portfolio, we also see that the likelihood of a negative return is about one in five years.","start_word":2965,"end_word":2987,"sentiment":"negative","sentiment_score":-0.4240953922271729},{"text":"And also making sure that you have enough time in the market, we do wanna say a minimum of eight years until retirement. So at the moment, do you know when you think you would like to retire or start drawing an 10 income years. from your super? Ten years? Ten years. Ten That's years? it. That's That's the max. the max. Okay. It's not earlier, but ten years. Yeah. Ten years max. Okay.","start_word":2988,"end_word":3061,"sentiment":"neutral","sentiment_score":-0.038711391389369965},{"text":"Perfect.","start_word":3062,"end_word":3062,"sentiment":"positive","sentiment_score":0.43887537717819214},{"text":"So what I would like to do is just ask you a couple of questions that is just multiple choice, and that is just so I can kind of gauge a bit more how you feel about fluctuations and stuff like that and if we wanna look at making any changes to the reallocation. So it is Okay. just multiple choice. There's no right or wrong answer. It's just whatever Sure. you feel is going through, Yeah. you know, align with you the most. Okay? And if it doesn't make sense, let me know because some can be a bit tricky. Sure. Yep. Now, Troy, have you ever bought direct shares yourself on the stock market or anything like that? For my kids, I have. Okay. Yep. And currently looking at doing some shares thing a share thing just to increase Oh, income yep. when I Yep. retire. Yep. Okay.","start_word":3063,"end_word":3212,"sentiment":"neutral","sentiment_score":0.0581648051738739},{"text":"Perfect.","start_word":3213,"end_word":3213,"sentiment":"positive","sentiment_score":0.386720597743988},{"text":"Now the next question here is in regards to inflation. So inflation Yeah. means that, you know, things are getting more expensive over time, Yeah. making your money worth less, and everything is, you know, costing a little bit more. Now Yeah. how much of a risk are you willing to take to kind of make sure that you stay on top of the rising prices? Would you I'm say I'm willing mhmm. to take a pretty high risk because they there'll be an election in a few years, and the way the data is showing is we might have someone else in there that can probably help the economy a bit better than what is currently happening. Okay. Perfect. I Do think you quite there's com too much government Mhmm. spending Yep. Yep. currently, and that's Yep. increasing in place. Yeah. Yeah. So you'll be quite quite comfortable for your super to take on a bit of those fluctuations in the Yeah. short Yeah. Sure. Okay. Perfect. Now the next one is in regards to volatility. So how would you feel if in six Sure. months after placing an investment, you found out that your portfolio had decreased by 20% due to general trends in the market. So not particularly, like, one investment that's gone bad, just Yes. kind of the market as a whole, which obviously quite recently, we have seen bit of fluctuation in the market with everything going over in The US Yep. and and everything. And then going back to COVID, we obviously saw a bit of fluctuation during that time. Would It'd you be con concerning, but it's in a high risk one. You're looking you you you you have the upsell down. It'll go Yes. down, and then it come back up. But Correct. it's not that Correct. concerning because Okay. it will come Perfect. back up. Yep. Perfect. And would you say that, you know, is there on that you would if you had the option to do so, put a little bit more in. So thinking, well, okay. Now is maybe a good time to invest a little bit more if I can, If the Or market's would you down. yep. Yes. Yeah. Okay. Just to try to gain that that extra Exactly.","start_word":3214,"end_word":3595,"sentiment":"neutral","sentiment_score":-0.07451589995536817},{"text":"Yep. extra Perfect. money. Yep.","start_word":3596,"end_word":3600,"sentiment":"positive","sentiment_score":0.46687811613082886},{"text":"And in in terms of an investment return that you expect to get from your investments over the long term, zero to 2%, two to four, four to six, six to eight, or eight and above? Long term aid and above. I I wanna be with the company that is going out there and and doing the Yeah. best they can. Be in the in the top of the super funds, not Yep. mediocre or below. Yep. Yep. No. Perfect. I And want you it is to your work for my money. yes. And Yeah. it is your money you've worked hard for for retirement. So, of course, that's definitely very important. Yeah. Perfect. Now the the last question here is in regards to borrowing money. So would you Yeah. ever consider taking out a loan to invest in stocks or funds? In the position I'm in now, yes. Yes. Okay. Because Perfect. I I got ten years, and Yep. I haven't got not enough. Okay. Perfect. And now, Troy, that tells me here that you have come out as that high growth investor. Are you still comfortable staying in a high growth portfolio? You know, you have the time frame if you're looking about ten years. Are you still comfortable seeing a bit of fluctuations and and stuff in in the short term? Yeah. I am. But, again, I'm looking for the the best I can get, the best company that I can get to give the work, the investments the best Yep. they can and be Yep. be up there as either market leaders or quite high up there. Mhmm. Okay. Okay. Perfect. So if I look at your investments and I say with your high growth portfolio, which is typically a a ninety ten split, and I'll actually show you if you wanna click on the next attachment for me, it should say 2025 Vanguard index chart. Next page, did you say, or next? The next one. Mhmm. Yes. It should Oh, be the the next next. document. Yes. Okay. Okay. Oh, gone in. Sorry. No. That's okay. Next one. Vendegaard. Obviously, people are talking about Vendegaard, aren't they? Yes. Well, Vanguard, they are very big, and this they always Well, they're every in year the top three percent. Like, top three trading companies in the world, I believe. Is that correct? they are very big, and they they Yep. do they are very, very big, and they do a lot of your your passive ETFs that we can Yep. obviously look at with different allocation in portfolios and stuff like that.","start_word":3601,"end_word":4035,"sentiment":"neutral","sentiment_score":0.10204098512386452},{"text":"And they they always they do a lot of research and stuff, which is really good, and they publish these they update these every year. And I like Yes. to include this because it kind of makes you see the markets historically as a whole a little bit better, and then also Yep.","start_word":4036,"end_word":4088,"sentiment":"positive","sentiment_score":0.4371596574783325},{"text":"when we're talking about the different asset classes. So this one here, it goes back to 1995. You can kind of see, obviously, all all the ups and downs until 2025. And you can see that the trend in the market, they always go up long term. But Yep. short term, you know, depending on what is going on, you will see up and down a market fluctuation. A 100%. Yeah. Yeah. Now when we are talking about that high growth allocation, we see 90 of your money invested in the top four here. So you will Yep. have US shares, Australian shares, international shares, and then property. Now these are the ones that is going to grow the most, but also fluctuate the most short How term. about gold? Is that a So gold for, gold and silver? yeah, so gold will kind of form part of the alternative asset. They can sometimes Yep. be counted towards both components, but it is one that we have in your portfolio at the moment. And kind of like I mentioned, the return on that one has done really well. So we definitely want to keep gold in your portfolio, Yeah. especially because you have already got quite a bit of growth from it. Did So I do silver too or it's just gold?","start_word":4089,"end_word":4310,"sentiment":"neutral","sentiment_score":0.1226864606142044},{"text":"we can so the good thing with Netwealth is there's hundreds of different options that we can do.","start_word":4311,"end_word":4328,"sentiment":"positive","sentiment_score":0.4240129590034485},{"text":"So Netwealth is just a platform. And then in Netwealth, we can choose from hundreds of different investments. So there's Oh, a okay. range of Vanguard options. There's a range of different investments across the globe. So if having silver in your portfolio is important to you, It's I can just factor that in. gold and silver. Yeah. Hand in hand. If gold rises, silver increases too. That's accurate? Mhmm. Kind of because they fall in the same, like you said, category. The only thing is as well that if we put too much in gold and, like, Oh, let's yeah. say, we add silver, that mean you're gonna have less exposure elsewhere. Yeah. Yeah. Yeah. And we also wanna balance that that, you know, let's say we have, like you said, gold's done really well, then maybe other times when the growth equities are doing really well, then we wanna have and gold is not doing too well. We wanna have component of your portfolio that balance it out. So I kind of at all points Yep. in time, you have different investments kind of working together because you don't want too many investments acting the same way. Because Yeah. at some Yeah. times, Yep. they're gonna do amazing, and then other times, everything is not gonna do so good. Does that make Yeah. sense? Yeah. But I can factor in when I do the research on the investment to see if we can incorporate silver into the portfolio, if that is going to work for things, if it if it is something you would like me to specifically consider. Just to have a look. But if it's Yep. gonna be detrimental Yep. to other Then. investments, well, don't worry. It's cool. Yep. Yep. Okay.","start_word":4329,"end_word":4624,"sentiment":"neutral","sentiment_score":0.032432183623313904},{"text":"Perfect.","start_word":4625,"end_word":4625,"sentiment":"positive","sentiment_score":0.5164728164672852},{"text":"I'll I'll in fact, I'll do the research on that for you and obviously see the price and everything like that as well. Yeah. And Thank you. no. That's okay. Now the last kind of 10% in a high growth portfolio are then your bottom three. So these are your defensive investments. So you can kinda see they have a lot smoother, you know, trajectory, but they don't Yes. grow as much. So their function is to try to limit fluctuations on the other investments a little bit and be there kind of, I guess, like, a little bit of the safer investment. So we only Yeah. have about 10% in these. Are you Yeah. still comfortable kind of with that split allocation in a high growth portfolio? Yeah.","start_word":4626,"end_word":4754,"sentiment":"neutral","sentiment_score":0.15740513327971908},{"text":"As long as the returns are there, that that's fine.","start_word":4755,"end_word":4764,"sentiment":"positive","sentiment_score":0.4314775466918946},{"text":"It sorta Mhmm. level itself out.","start_word":4765,"end_word":4770,"sentiment":"neutral","sentiment_score":0.18991440534591675},{"text":"You've got one which steadily grows and the rest are Yep. smashing it, hopefully.","start_word":4771,"end_word":4784,"sentiment":"positive","sentiment_score":0.45491480827331543},{"text":"Yeah. Because, otherwise, I can look at one step down, which is your growth. So you're still focusing on growing, but you have more of an eighty twenty split. So 80% in the top four, twenty in the bottom. So you will see a bit less of those fluctuations and ups and downs than in a high growth. But longer term, you you can expect returns to be a little bit less. Yeah. And I will speak to the anointing team.","start_word":4785,"end_word":4865,"sentiment":"neutral","sentiment_score":0.0824122503399849},{"text":"Thank Yep. you. Perfect. So I'll go and do that. So, obviously, from here with your superannuation, I will go and do that research for you and check your investments to see which one are doing really well, which ones we wanna potentially swap out for other options that's going to ultimately give you the most amount of money into the full retirement.","start_word":4866,"end_word":4928,"sentiment":"positive","sentiment_score":0.39352044463157654},{"text":"I Yep. will also do a bit of an updated projection for you so that you can see it. So I will do even just five and ten years forecasting just to see where things are on track for and how that might change things. Yep.","start_word":4929,"end_word":4974,"sentiment":"neutral","sentiment_score":0.28783315420150757},{"text":"And as well, when it comes to the superannuation side of it, when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of around a thousand dollars per week from your superannuation when you retire.","start_word":4975,"end_word":5018,"sentiment":"positive","sentiment_score":0.34685394167900085},{"text":"Obviously, Do you still feel like that's achievable? depends on how far I don't know how much money you need for that, but that's why I'm diversing with the cash I've got. I can try to Yep. supersede that because I don't know if there's Okay. enough money there for a thousand dollars. Yep. Okay. And I can kind of factor factor that into it as well and do a bit of a calculation for you. And I can also then do a bit of a bit of assessment if currently based on the information we have, whether you would be at the time of 67 eligible for potential age pension or not depending on your Yeah. situation. So with your personal situation, I do wanna see if there's anything, you know, that's changed for you. There's So a I couple have of you things. Yeah? Do you want me to run through the different section, or do you wanna tell me the things that's changed? I'll just tell you where where the direction we're going and what Yep. you think. Yep. Yep.","start_word":5019,"end_word":5201,"sentiment":"neutral","sentiment_score":0.05188724791498783},{"text":"Perfect.","start_word":5202,"end_word":5202,"sentiment":"positive","sentiment_score":0.3550916910171509},{"text":"So, Mhmm. yep. You alright? Where were you at? Like no. Sorry. When it comes to your personal situation, I have Yep. you here down as a single, but you do have a partner. Do you guys don't Yes. live together, or has that changed? It will be changing halfway through the year. Yep. And then will you be the then? Or Yeah. What's the fact Yep. that they're just living together? Yes. Yeah. Exactly. Yep. Yeah. Just just living together. Yeah. Okay. Yeah. Perfect. Now I do have here as well that you have two sons, but they are not financially dependent. They're a little bit older. Is that correct? They are they're both Yep. at uni. Well, one's going to uni hopefully, 21 and 19. Yep. Perfect. But whilst they're at uni, we I help Yeah. them survive the Yeah. uni. Yeah. It's it's it's unfortunately very expensive, Yeah.","start_word":5203,"end_word":5353,"sentiment":"neutral","sentiment_score":0.009012425318360329},{"text":"but that's very nice of you.","start_word":5354,"end_word":5359,"sentiment":"positive","sentiment_score":0.5814146399497986},{"text":"Now I don't have a next obtained on file for you. So that is just if for some Okay. reason we cannot get in touch with you, and you can Would nominate be who whoever you want. yep. Deco, Easley, Can you spell that for me? Sorry, Troy. d e c l a n, Perfect. And last name? t e I s l e y. Perfect. And relationship? That's my phone. Perfect. And his best contact number? 8429 Two nine. Perfect. +1 62 One six two. Yep. 2 Two five seven.","start_word":5360,"end_word":5450,"sentiment":"neutral","sentiment_score":-0.008801675401628017},{"text":"Great. 5 Perfect. Thank you so much.","start_word":5451,"end_word":5457,"sentiment":"positive","sentiment_score":0.4793274998664856},{"text":"Has anything 7. changed with your occupation? No. Not currently, No. but we're looking at buying a business Oh, yeah. Nice. What kind of that business? I don't know. This is Mhmm. In the process. With my partner. Yeah. Yeah. So we're just weighing things up what would be best. Okay. Yep. Perfect. Do you know when you guys are looking to do it, or it just kind of depends on opportunities and whatever comes, you know, your K? way at the If time? an opportunity comes or within six to twelve months. Okay. Perfect. Now at the moment, I have here as well that your income is around 150,000. Yeah. Yep. Perfect. And you are self employed? Yeah. Yep. Perfect. And how is the the business set up? Is there, like, a sole trader or a company It's structure? a company. Company. Okay. So just a contractor for Goodman Fielder. Yep. Perfect. Correct. Like I kind of mentioned earlier as well, I will once we get those documents signed, if you're happy to do They're so, already signed. that's it.","start_word":5458,"end_word":5638,"sentiment":"neutral","sentiment_score":0.023220989853143692},{"text":"Great. Perfect.","start_word":5639,"end_word":5640,"sentiment":"positive","sentiment_score":0.44155973196029663},{"text":"That that means I can then send off that lost super authority, like I mentioned, and see if I can find another super fund that potentially that money is going into that Yep. $3.50 a week, but then also definitely go in and speak to them and see So the issue yeah. I've had is I do nights. Had Yep. a bookkeeper, and I don't know what happened. She's she's not bookkeeping anymore and Okay. wanting the time to do everything is Yeah. a problem I have. So I've just got a I've had a few dramas in the past because of this, and I haven't corrected Okay. it. So Yeah. I'm just currently going through that to try to correct it. So Yeah. that's why we have an issue with the super Yep. because it's Yep. a sale. The next week, but now super starting halfway through the year, you gotta pay it that that same time you pay the wages, which will make it a lot easier, but Yes. Yep. still gotta get the rest of it super. Yes. And if if it is that you do struggle to find one and you want a referral for an accountant as well, just let me know because I can always send you the information of the firm that we work closely with. If it is that you do want do you want me to send you that information, or or Sure. do you have yes? Okay. I have I'll an account, but a bookkeeper is probably the most important thing at the moment. But yeah. I'll take the information because the accountant if I Yeah. can get better again, Yes. the person that Yeah. can do the best for us. Exactly. Well, what I'll do is I will send you the email anyway, and you have their Yes. contact details. Or if you do prefer, I can get them to give you a call. But with if you do stay with ours, if it's easier for you to contact when you're available, Yeah.","start_word":5641,"end_word":5984,"sentiment":"neutral","sentiment_score":0.008807222640445067},{"text":"Because I'm yeah. happy to All my things yeah.","start_word":5985,"end_word":5993,"sentiment":"positive","sentiment_score":0.39611560106277466},{"text":"went. Yeah. No. That's okay. I will just send you the information, and then Yep. you can obviously give them a call whenever you do have time. Yep. Now let me see here. Otherwise, I have here expenses about $1,200 a week, and you save roughly about 800 a week. I do. But then sometimes my sons might need things for their uni. Yeah. So it kind of fluctuates. Yeah. But Yeah. I need to fix that up a little bit too. So Yep. Yep.","start_word":5994,"end_word":6078,"sentiment":"neutral","sentiment_score":0.12483779064872684},{"text":"Perfect.","start_word":6079,"end_word":6079,"sentiment":"positive","sentiment_score":0.4774520993232727},{"text":"Now with your assets and your liabilities, I have here you have a a hybrid Kluger, I think, that you yeah. were planning Which on selling. You still have it? yes. They'll have Yep. it, but I wanna sell it and purchase a house for for my kids.","start_word":6080,"end_word":6127,"sentiment":"neutral","sentiment_score":0.10716228932142258},{"text":"Yeah. That's lovely of you. So that's the direction we're going.","start_word":6128,"end_word":6138,"sentiment":"positive","sentiment_score":0.6549393534660339},{"text":"Yep. I don't know. Like, they're saving some money too. That's why I Yeah. can help them so they can save Yeah. Yep. their Perfect. money and purchase a a property, and then they'll be right on a couple of properties. Yeah. Yeah. Oh, perfect. So at the moment, is that valued around the 90,000? It it's it's it's it was 90, but Mhmm. when I've looked on car sales and that, people are selling for $55.60. Okay. So maybe down to about 60. Yeah. Yep. And do you have about 16 owing on that one? Roughly. Roughly. Perfect. I Do pay you also a thousand dollars a week trying to Okay. get it down. Yep. Perfect. And do you also have the truck Else. valued at about 20,000? Perfect. Yeah. You didn't have anything owing on the truck? Yeah. No. Perfect. I also have here a van valued at about 15. Yeah. Yep. Perfect. Nothing owing there either? No. No. No. Perfect. I also have two motor vehicles, Yeah. both about 5,000. Yeah. Perfect. And nothing owing there either? No. No. Great. I also have here a credit card of about 6,000 and a NAB credit card about 2. Yeah. That's Yep. correct. Perfect. Any other new assets or any other liabilities in the last twelve months? Not currently. Yep. No. No. Great. Perfect. When it comes to health and lifestyle, I have you down here as a nonsmoker. That's still the case? Perfect. And have you had any changes to your health at all in the last twelve months Or everything's all Everything's good? just alright. Yeah. Yeah.","start_word":6139,"end_word":6408,"sentiment":"neutral","sentiment_score":0.0517218766251096},{"text":"Okay. Perfect.","start_word":6409,"end_word":6410,"sentiment":"positive","sentiment_score":0.5026965141296387},{"text":"Estate planning wise, I have you here as you have a current will in place? Yes. Yeah. And do you have a power of attorney as well, nomination? Nine nine. No. But you don't have anyone who makes, you know, any financial decisions on your behalf at all? No. No. Perfect. Now anything else that's changed that we haven't gone over? No. Okay.","start_word":6411,"end_word":6473,"sentiment":"neutral","sentiment_score":0.08288530260324478},{"text":"Perfect. And I guess kind of goals that you're working on in the next twelve months, the main focus is obviously doing that super rotation for you, making sure it's doing the best that it can. Potentially, obviously, you and your partner looking at the potential business and then obviously saving to buy that house for your son.","start_word":6474,"end_word":6531,"sentiment":"positive","sentiment_score":0.3871210515499115},{"text":"Yeah. Any other goals that you're working through or anything else that you need assistance with? Just if we do purchase a business, Mhmm. there's a bit of money there, and it's just in a normal account, Mhmm. and it's earning interest. But Yep. we obviously pay tax on that. That's correct, isn't it? It's Yes. classed Yes. as an income. That's correct. Yes. Should it be put in different account that is there any account where you don't pay tax, or is there a way not to pay tax, or do I have to see an accountant for that? If it's directly tax related, it would be the accountant. But from an investment point of view, Yep. for for tax purposes, the the only way that you wouldn't would either be putting some in superannuation, but then you don't pay it. Or But you if can only pay a percentage. Is that right? no. You can make lump sums into superannuation as well, but there are restrictions on how much you could put in and also if you wanted before or after tax. But there is definitely that you can put some into superannuation for sure. Yeah. And you can also look at investment bond. That would be if you are looking from an investment that is tax effective and you don't pay that personal it doesn't get added to your taxable income, Would then that be, in that like, treasury bonds and things like that? Or no. It's it's very different. It's it is they call it investment bonds, but it's Yeah. still that's just kind of how it's held in that environment. You Yep. can still with within it, so it's not a bond per se that it's just kind of the name convention of it. You Oh, can still okay. yeah. You can invest. You can invest in Vanguard, for example. You can invest in different equities and stuff like that within it.","start_word":6532,"end_word":6858,"sentiment":"neutral","sentiment_score":0.023491515706803093},{"text":"It's Is just it kind of how easy to get the money out if you needed it or that's it?","start_word":6859,"end_word":6878,"sentiment":"positive","sentiment_score":0.33785831928253174},{"text":"Because there's a lot yes. of restrictions. Yes. Yes and no. So that depending on which company, which bond you would go with, there are different goals. But Yep. some of the the biggest ones that we do tend to look at in these instances, they are that you can put it in and you can technically take it out tomorrow. It's not with superannuation where it gets locked in to retirement. You can put it in, and you can take it out whenever you want to. The the tricky part is to make it tax effective. So there are time constraints of how long you need to keep it in the bond to get Yep. those tax concessions. And, typically, that's about ten years. So it's kind Yeah. of locking it in for ten years because if you take it out after ten years, it doesn't form palm of the taxable income, and you also don't pay any capital gains tax personally.","start_word":6879,"end_word":7041,"sentiment":"neutral","sentiment_score":0.06472484022378922},{"text":"So it is quite tax effective if that's what you are kind of looking for, Yes.","start_word":7042,"end_word":7057,"sentiment":"positive","sentiment_score":0.3823642432689667},{"text":"but we do typically say that ten year time frame to to get those concessions. Because if you take it out before that time frame, it would just kind of pay like your normal investments. You would still have to pay the tax on that. Is it is the the percentage you're in on it? Is it is it quite competitive? What will you earn on the investment?","start_word":7058,"end_word":7125,"sentiment":"neutral","sentiment_score":0.14302613443749793},{"text":"Yes.","start_word":7126,"end_word":7126,"sentiment":"positive","sentiment_score":0.37644797563552856},{"text":"It would depend on the the which one of the investments you choose because there's there's a range of different investment you can choose from. So So let's it depends just try Vendergard because we talked about Vendergard. yeah. So you can go into it's kind of the same thing. So you can go in and do Vanguard, Yeah. and you can have it within the bond. It depends on which because Vanguard have a range of different products. So the return depend on which one, which risk allocation Okay. and stuff like that.","start_word":7127,"end_word":7220,"sentiment":"neutral","sentiment_score":0.16312284767627716},{"text":"Yep. But if it is something you are either wanting to look at now or a bit later once we sort out your super, it is something we can help you with.","start_word":7221,"end_word":7252,"sentiment":"positive","sentiment_score":0.3964272737503052},{"text":"So Okay. if it is that you go to me because it also depends on how much you are wanting to put in. But if you go, you know what? I have 10,000 or 20,000 or 50, whatever it might be, and you go, you know what? I would like to see what this looks like. Then I can go and do the research for you and put together a a strategy and show you what it would look like. Yeah. And yeah. So it's definitely something we can look at as part of, you know, the research and everything for you, Whether that is something you would like to kind of explore further now or whether you wanna focus on your super and do those reviews and investments, and then we can maybe revisit the other investments either when you are ready or in six months or our next annual review whenever you would like, Yeah. we can do that as well. So we can contact you. Yes. You can you can contact me whenever. You can call me tomorrow or in a month or in six months or whenever you wanna look at it. You can just call and say that you Yes. would like an appointment to talk about investment options, Yep.","start_word":7253,"end_word":7467,"sentiment":"neutral","sentiment_score":0.2347414493560791},{"text":"and then we can definitely explore that further. Cool. Yeah. Or you can even respond to the email when we send you the account and information.","start_word":7468,"end_word":7493,"sentiment":"positive","sentiment_score":0.4036088287830353},{"text":"You can just say, hey. Can I book an appointment to talk about investment? And then we can do Yes. it as well. Yeah. So I'll add a little note to say that it might be something we wanna explore down the track as well. Yes. Yeah. Now the last question I had here, Troy, was in regards to your beneficiary nomination. So that is if something were to happen to you, who you want to nominate for your superannuation? Because at the moment, That'll we be don't back. have One anyone, sec. Declan. Yep. Yep. Now to to make the nomination, because you are making a legal nomination, you have to sign the form and get out to witness it. So Yes. Who is your witness, sir? Anyone? it can be any anyone as long as not the person you are nominating. Alright. Gonna be one Yep. person or two? Two people. Yeah. Okay. So Yep. Deckard Lane Hudson. Yeah. Now do you have access to a printer, or would you like us to express post the form to you? I'll get Nextiva too, Franco. You do? Okay. So what I'll get the team to do is they'll email you the form for Netwealth for your super. There Yep. is a cover letter as well because there's different type of nominations that you can make. Yeah. Have a read through it. If you have any questions or you're not sure, you can always give me a call and we can talk through it. Yep. Otherwise, complete that, send it back to us, and then I will get that uploaded to Netwealth to make sure that if something happens, it goes to him. Yep. Yep. Cool. Now, Troy, do you have any other questions for me, or is there anything else that you need at at this point? No. That's it. Thank No. you. Okay.","start_word":7494,"end_word":7808,"sentiment":"neutral","sentiment_score":0.07268319953055609},{"text":"Perfect.","start_word":7809,"end_word":7809,"sentiment":"positive","sentiment_score":0.3403242826461792},{"text":"So I'll refresh and see if those documents if that all came through signed okay, I will get that Yep. uploaded through Netwealth. But, you know, as with anything, it is not a lock in contract. So at any point Yes.","start_word":7810,"end_word":7850,"sentiment":"neutral","sentiment_score":0.009447790682315826},{"text":"in time, you are not happy with the service.","start_word":7851,"end_word":7859,"sentiment":"negative","sentiment_score":-0.6447509527206421},{"text":"If there is no lock in contract, the signing those documents just allows us to at least service your account in the meantime and do all of this for you. And, yeah, definitely then speak through the the people with the the superannuation Sure. as well to see where those contributions are. And as soon as I find out from the ATO, I will also let you know. But, otherwise, I will do this research on your account. Now it might take a couple of weeks for me to put everything Okay. Yeah. together.","start_word":7860,"end_word":7953,"sentiment":"neutral","sentiment_score":0.12528638541698456},{"text":"That's cool. That's Perfect. fine.","start_word":7954,"end_word":7958,"sentiment":"positive","sentiment_score":0.601576030254364},{"text":"As soon as I have it, though, Troy, I will give you a call, and I will run through the changes. And then you can let me know what what you think.","start_word":7959,"end_word":7990,"sentiment":"neutral","sentiment_score":0.2239592671394348},{"text":"Okay. Thank Yep. you. No problem at all. I hope you have a lovely rest of your day, and I look forward to speaking You with too. you soon again. Thanks, Thank you. Troy. Bye.","start_word":7991,"end_word":8025,"sentiment":"positive","sentiment_score":0.6580228209495544},{"text":"Bye.","start_word":8026,"end_word":8026,"sentiment":"neutral","sentiment_score":0.2165958732366562}],"average":{"sentiment":"neutral","sentiment_score":0.07287659608183746}}}}