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No. No. That's perfectly fine. Under understandable. You're a busy man. Just to jump into that one, Jason, I do have to let you know these calls are recorded for that quality and training purposes. And if I could just pass you through security, just that name, date of birth, and current address, we'll get stuck into it. Brilliant. Thanks for that one, Jason. Now I know that originally we had the conversation. We're gonna leave it a little bit. And I think around now is when we're gonna touch base anyway just to see how things are traveling a little bit earlier. Yeah. Yeah. No. I completely understand what yeah. Not not a problem. Yeah. As a a business decision as well, we we are moving away from that. I think I might have mentioned that earlier as well. Yeah. And, look, given that you had a higher allocation more than most in that, it wasn't yeah. Because you I'm not too sure, like, the original conversation you had with the adviser when you originally put the portfolio together, but you had a little bit more active managed risk with about, like, 30% of that been long. So it obviously impacts your portfolio. But, yeah, with that, obviously, doing the update, I did reply on that email. I did get them to do the research. So I do have, like, a few figures I can sort of run over with you and sort of how you wanna move going forward. Yep. Yep. Yep. And even then, I can send you the doc and give you a quick call and overview, and you can same thing can review it in your your time if you can, like, while you're away even. Yep. Obviously, I've just gotta touch on the key points, and we do send those off. Yep. Just before I jump into anything else, though, as far as, like, your current status there with your details, like assets, liabilities, role, you're still doing the same sort of work? Perfect, brilliant. And then are you still happy keeping your income just to your carrier driver sort of store person? Because I know you do the metal work on the side as well and that sort of changes, but we don't really have a set income for that. Too easy. And then as far as the advice document's concerned, because, obviously, we're mainly just touching on the investment side of things. Are you happy with Hub 24 as a platform and things like that as well? Are you happy for just to be the investment update? Or yeah. As a a comparable in the market, there are, like, a few cheaper alternatives, but then you still lose out on some of the features that Hub does have. They do have, like, aggregate trading and few other features that other cheaper options don't have. So compared in the market and retail platforms, they're still quite competitive in what they offer for the price you're paying, if that makes sense. Perfect. So we'll just look at doing that investment update then. Obviously, if things do change, we can obviously look at different things in the the future there. But in regards to that one, there so the few options I sort of got them to do up there for you is this because you're in quite one of the older portfolios anyway there, like, around the pre you know, around the COVID time. So probably due for an update even if, you know, it didn't occur with the Benelon. But keep that in saying that you do have quite a significant portion to an active investment. Now we can look to move forward and have no active investment and just go passive. It comes at a lower cost there, and I can even draw this up in a little bit of a a strategy type paper there for you just to show yeah. So I can have a quick chat about them now, and you can give something to think about. I can send you that, like, sort of strategy paper document, a few different options. So in regards to that that passive option there that aims to just track the indexes, it comes at a lot of a cheaper investment cost. You're just tracking what the markets are doing. And then with that, you don't have the potential to outperform the market, which is what those fund managers do. Obviously, Benelong hasn't lived up to the name, and they didn't do quite well at all. But in saying that, there is the option to go in a more passive investment where you do just carry the indexes in those exchange traded funds that aim to just try and track those and how they are performing. We can also look at updating it with an active portion and having, you know, a core of it being the passive side of things to track those indexes, much sort of like you have in your current portfolio, but your current portfolio is also quite a bit tech heavy, then I would preferably like yeah. So being in the a high growth options, about that ninety ten split. Now with the passive and also the alternative there as well, we can aim to sort of carry that as well, but you'd have the main thing in that one, you've got that manager risk, which is what's caused a lot of your fluctuations and also the downturn with that Benelon given that that's a higher allocation. It's not to say that when you move across your past investment and have that ninety ten split that you carry as much risk because you didn't have the the manager risk. And then also we can look at just reducing that manager risk and having a smaller allocation towards an active portion within the portfolio. They're still aim for trying to outperform the market a little bit, but a low percentage sort of around that 15% where if it does sort of not perform as well, it doesn't affect your balance. Yep. So with that, I'm as I can't pertain to what, like, sort of original conversation you had in trying to to, you know, get those more aggressive higher returns with those managed funds and the amount that you had in it, but we can look at reducing that moving forward. The other option there is is we've started an SMA. So with an SMA yeah. Not a problem. So it's a separately managed account. So with that, we would be recommending and this portfolio and is managed not only by Oakview but also by BlackRock in a partnership there as well. So with that, between the investment committee here and the BlackRock investment committee, they've built a portfolio that becomes a lot more flexible. So what you do is you buy into the the SMA or the separately managed account. And then you have a little less transparency in terms of what investments you have because they can change those underlying investments throughout the years to be a little bit more flexible moving forward to change for things like markets. It doesn't actually have a active managed portion in the like, in it in the moment, but what it does have is actively managed as in they change those passive investments and review those sort of quarterly as opposed to, like, annually with your annual reviews and looking at changing things then. And for your case, it seems to have gone a little bit longer way. Yeah. Well, the investment committee is responsible for and, like, within anyone that's in it, they change something. It changes for everyone. So they don't have to contact you and provide you any statement advice to go this and this are changing. If they just give you an update via an email and be like, this is what's changed in the underlying separately managed account, and this is the change we've made. These are why we've made them and, like, the investment directions and things like that. Whereas for me to change anything in your current portfolio, I've gotta have the conversation with you, sort of gauge your your risk tolerance. And, yeah, every time you wanna update the advice, it like, it goes through this whole process of, like, me having conversations, see how you feel about things, giving you a few different a little bit. So, yeah. So it is passive in terms of the investments it holds, but it's actively managed. So you do have that manager portion where they can change the underlying investments and that's yeah. And then that's not to say that they pardon? Well, because it's so new, it only came out at the start of this year really. Yeah. So it's the end of last year. They finalized it with BlackRock. It's one of the first companies that built like a strategic portfolio with. So infancy sort of days that BlackRock's quite a big name, and they're quite good in their analysts as well that it does yeah. Exactly. And with that, it would be cheaper than your current portfolio. If, yeah, if you went like a full indexed option and then sort of like I said, more passively build the portfolio again and just had it sort of, you know, each year doing the reviews and potentially changing things, that option's potentially a few $100 maybe cheaper ongoing in terms of annual costs. But in saying that you don't have that active managed portion apart from, like, when we review those investments, and then yeah. And then if you were to look to just update the portfolio and have less allocated to, like, an active investment, it is quite similar to having it in the that SMA anyway. It's actually slightly more expensive, but they're all sort of around. Passive would be around 1,200 as an ongoing cost. The active manage would be around the 14, and then the the SMA would be around the $13.50 in terms of, like, in yeah. It sort of just depends on what you sort of want to get out of it as well. And then with that, it is a lot easier for them to obviously change and keep those portfolios up to date as things move forward in those changes. Yep. Yeah. So what I can do is I can put together that little strategy paper there for you, and it gives you sort of just like their rolling average returns historically currently as well as sort of the the costs and any sort of a little bit of pros and cons with those and everything. In regards to, like, capital gains at the moment, it's not something given that Benelon took such that backwards turn that you'd have to worry too much about. It offsets, like, any sort of capital gain moving with the the changes across, like, all three options there. So in regards to that one, that's not a huge issue there, but I can provide you that document just so you can have a little squeeze over. And even if you just sort of email me back and tell me which option you thought of Yep. Yeah. And when you're looking to do sort of additional contributions or any sort of salary sacrifice at all? Or yep. Yeah. Yep. No. Not a problem. No. So that it depends so there's a government co contribution if that's the one you're you're referring to, and that's not as high as what you may be thinking there. I believe it maxes out around the 1,500. It depends what income you're on because it can obviously go down as well, I think. So if you contribute I believe if you contribute 1,500, they'll co contribute up to, like, 500 for low to middle income earners, but then it changes depending on how much income you're earning there as well. In addition to that one, depending on, like, sort of how much cash you got spare and what you wanted to sort of potentially chuck in, If you were to add it concessionally through salary sacrifice, you obviously got up to that $30,000 cap where it only get taxed at 15% going in as opposed to your marginal tax rate. Yeah. Alternatively, if you just sort of, like, end of financial year looking to put a bit of a lump sum in that you've got spare and you wanna just have it in your super as opposed to in a bank account or in your investments outside of super, you can add it non concessionally and still claim a notice of intent to switch it back to a concessional as long as you're under the caps there. And then what that becomes is a bit of a rebate at tax time sort of thing. If you, yeah, if you claim your notice of intent because you've already paid tax on it if you do take home money. So what they do is they repay like, basically, the difference between your marginal tax rate and that 15% that you would tax going into super. Yeah. It kind of depends on personal preference. Some people like the yeah. And and with that too, like, a lot of people like the idea that it gets monitored more regularly with that sort of power of yeah. The yeah. The SMA, the managed account there. Yeah. Yeah. Yeah. Obviously, this is, like, just a little strategy paper with the it doesn't go too in-depth. It gives you through the pros and cons. But, yeah, it is powered by basically BlackRock and their software as well as the investment committee here. As opposed to, like, sort of when we build a portfolio outside of that, it is basically what the investment community is approved through their approved product list. So the company sort of isn't happy to to have his recommended products. And then each year sort of they get a review, and then if you wanna change something, we do have to do the advice process again, whether that is with the passive side of things or if you have an active portion in it or not. Yeah. I'll have a quick look here. Yeah. So one seventy eight six at the moment there with yeah. So as I said, yeah, I can't sort of pretend to what you sort of had a conversation originally with having, like, that allocation to an active port. I think yeah. I think it's coming around the the four, maybe closer to five, because I think it was around 2021 sort of time ish. I'm not too That was around That was like the COVID time. So you took quite a significant dip up to that, and it sort of started Yeah. It started to come back to, like, end of last year. And then obviously, with that been a long announcement, yeah, it's taken another dive. So Normally, I send out the document even if it's just a fifteen minute phone call just to give you the key points, and then you can just take it away and have a look at it and then come back with any questions you might have. Yeah. I'll I'll try and get that all put together there for you. So I'm just gonna draw it up. Obviously, it's all in different documents. So I'll try and make it all nice and pretty and put into something that's a little bit more put together. And then yep. With in regards to that, I'll send you the PDF for that document because as I said, like, the individual investments, it's like, a bit more fluid with that. So I'll give you the most up to date PDF with that one so you can have a look through that and what that looks like. No problem, Jason. Thanks for your time. Enjoy the rest of your day. Cheers. 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afternoon, Jason. It's Carl calling from Financial. How are you today? Yeah. Not too bad, Bill.\n\nThanks for asking. I just scheduled in for that bit of a catch up. No. No. That's perfectly fine.\n\nUnder understandable. You're a busy man. Just to jump into that one, Jason, I do have to let you know these calls are recorded for that quality and training purposes. And if I could just pass you through security, just that name, date of birth, and current address, we'll get stuck into it. Brilliant.\n\nThanks for that one, Jason. Now I know that originally we had the conversation. We're gonna leave it a little bit. And I think around now is when we're gonna touch base anyway just to see how things are traveling a little bit earlier. Yeah.\n\nYeah. No. I completely understand what yeah. Not not a problem. Yeah.\n\nAs a a business decision as well, we we are moving away from that. I think I might have mentioned that earlier as well. Yeah. And, look, given that you had a higher allocation more than most in that, it wasn't yeah. Because you I'm not too sure, like, the original conversation you had with the adviser when you originally put the portfolio together, but you had a little bit more active managed risk with about, like, 30% of that been long.\n\nSo it obviously impacts your portfolio. But, yeah, with that, obviously, doing the update, I did reply on that email. I did get them to do the research. So I do have, like, a few figures I can sort of run over with you and sort of how you wanna move going forward. Yep.\n\nYep. Yep. And even then, I can send you the doc and give you a quick call and overview, and you can same thing can review it in your your time if you can, like, while you're away even. Yep. Obviously, I've just gotta touch on the key points, and we do send those off.\n\nYep. Just before I jump into anything else, though, as far as, like, your current status there with your details, like assets, liabilities, role, you're still doing the same sort of work? Perfect, brilliant. And then are you still happy keeping your income just to your carrier driver sort of store person? Because I know you do the metal work on the side as well and that sort of changes, but we don't really have a set income for that.\n\nToo easy. And then as far as the advice document's concerned, because, obviously, we're mainly just touching on the investment side of things. Are you happy with Hub 24 as a platform and things like that as well? Are you happy for just to be the investment update? Or yeah.\n\nAs a a comparable in the market, there are, like, a few cheaper alternatives, but then you still lose out on some of the features that Hub does have. They do have, like, aggregate trading and few other features that other cheaper options don't have. So compared in the market and retail platforms, they're still quite competitive in what they offer for the price you're paying, if that makes sense. Perfect. So we'll just look at doing that investment update then.\n\nObviously, if things do change, we can obviously look at different things in the the future there. But in regards to that one, there so the few options I sort of got them to do up there for you is this because you're in quite one of the older portfolios anyway there, like, around the pre you know, around the COVID time. So probably due for an update even if, you know, it didn't occur with the Benelon. But keep that in saying that you do have quite a significant portion to an active investment. Now we can look to move forward and have no active investment and just go passive.\n\nIt comes at a lower cost there, and I can even draw this up in a little bit of a a strategy type paper there for you just to show yeah. So I can have a quick chat about them now, and you can give something to think about. I can send you that, like, sort of strategy paper document, a few different options. So in regards to that that passive option there that aims to just track the indexes, it comes at a lot of a cheaper investment cost. You're just tracking what the markets are doing.\n\nAnd then with that, you don't have the potential to outperform the market, which is what those fund managers do. Obviously, Benelong hasn't lived up to the name, and they didn't do quite well at all. But in saying that, there is the option to go in a more passive investment where you do just carry the indexes in those exchange traded funds that aim to just try and track those and how they are performing. We can also look at updating it with an active portion and having, you know, a core of it being the passive side of things to track those indexes, much sort of like you have in your current portfolio, but your current portfolio is also quite a bit tech heavy, then I would preferably like yeah. So being in the a high growth options, about that ninety ten split.\n\nNow with the passive and also the alternative there as well, we can aim to sort of carry that as well, but you'd have the main thing in that one, you've got that manager risk, which is what's caused a lot of your fluctuations and also the downturn with that Benelon given that that's a higher allocation. It's not to say that when you move across your past investment and have that ninety ten split that you carry as much risk because you didn't have the the manager risk. And then also we can look at just reducing that manager risk and having a smaller allocation towards an active portion within the portfolio. They're still aim for trying to outperform the market a little bit, but a low percentage sort of around that 15% where if it does sort of not perform as well, it doesn't affect your balance. Yep.\n\nSo with that, I'm as I can't pertain to what, like, sort of original conversation you had in trying to to, you know, get those more aggressive higher returns with those managed funds and the amount that you had in it, but we can look at reducing that moving forward. The other option there is is we've started an SMA. So with an SMA yeah. Not a problem. So it's a separately managed account.\n\nSo with that, we would be recommending and this portfolio and is managed not only by Oakview but also by BlackRock in a partnership there as well. So with that, between the investment committee here and the BlackRock investment committee, they've built a portfolio that becomes a lot more flexible. So what you do is you buy into the the SMA or the separately managed account. And then you have a little less transparency in terms of what investments you have because they can change those underlying investments throughout the years to be a little bit more flexible moving forward to change for things like markets. It doesn't actually have a active managed portion in the like, in it in the moment, but what it does have is actively managed as in they change those passive investments and review those sort of quarterly as opposed to, like, annually with your annual reviews and looking at changing things then.\n\nAnd for your case, it seems to have gone a little bit longer way. Yeah. Well, the investment committee is responsible for and, like, within anyone that's in it, they change something. It changes for everyone. So they don't have to contact you and provide you any statement advice to go this and this are changing.\n\nIf they just give you an update via an email and be like, this is what's changed in the underlying separately managed account, and this is the change we've made. These are why we've made them and, like, the investment directions and things like that. Whereas for me to change anything in your current portfolio, I've gotta have the conversation with you, sort of gauge your your risk tolerance. And, yeah, every time you wanna update the advice, it like, it goes through this whole process of, like, me having conversations, see how you feel about things, giving you a few different a little bit. So, yeah.\n\nSo it is passive in terms of the investments it holds, but it's actively managed. So you do have that manager portion where they can change the underlying investments and that's yeah. And then that's not to say that they pardon? Well, because it's so new, it only came out at the start of this year really. Yeah.\n\nSo it's the end of last year. They finalized it with BlackRock. It's one of the first companies that built like a strategic portfolio with. So infancy sort of days that BlackRock's quite a big name, and they're quite good in their analysts as well that it does yeah. Exactly.\n\nAnd with that, it would be cheaper than your current portfolio. If, yeah, if you went like a full indexed option and then sort of like I said, more passively build the portfolio again and just had it sort of, you know, each year doing the reviews and potentially changing things, that option's potentially a few $100 maybe cheaper ongoing in terms of annual costs. But in saying that you don't have that active managed portion apart from, like, when we review those investments, and then yeah. And then if you were to look to just update the portfolio and have less allocated to, like, an active investment, it is quite similar to having it in the that SMA anyway. It's actually slightly more expensive, but they're all sort of around.\n\nPassive would be around 1,200 as an ongoing cost. The active manage would be around the 14, and then the the SMA would be around the $13.50 in terms of, like, in yeah. It sort of just depends on what you sort of want to get out of it as well. And then with that, it is a lot easier for them to obviously change and keep those portfolios up to date as things move forward in those changes. Yep.\n\nYeah. So what I can do is I can put together that little strategy paper there for you, and it gives you sort of just like their rolling average returns historically currently as well as sort of the the costs and any sort of a little bit of pros and cons with those and everything. In regards to, like, capital gains at the moment, it's not something given that Benelon took such that backwards turn that you'd have to worry too much about. It offsets, like, any sort of capital gain moving with the the changes across, like, all three options there. So in regards to that one, that's not a huge issue there, but I can provide you that document just so you can have a little squeeze over.\n\nAnd even if you just sort of email me back and tell me which option you thought of Yep. Yeah. And when you're looking to do sort of additional contributions or any sort of salary sacrifice at all? Or yep. Yeah.\n\nYep. No. Not a problem. No. So that it depends so there's a government co contribution if that's the one you're you're referring to, and that's not as high as what you may be thinking there.\n\nI believe it maxes out around the 1,500. It depends what income you're on because it can obviously go down as well, I think. So if you contribute I believe if you contribute 1,500, they'll co contribute up to, like, 500 for low to middle income earners, but then it changes depending on how much income you're earning there as well. In addition to that one, depending on, like, sort of how much cash you got spare and what you wanted to sort of potentially chuck in, If you were to add it concessionally through salary sacrifice, you obviously got up to that $30,000 cap where it only get taxed at 15% going in as opposed to your marginal tax rate. Yeah.\n\nAlternatively, if you just sort of, like, end of financial year looking to put a bit of a lump sum in that you've got spare and you wanna just have it in your super as opposed to in a bank account or in your investments outside of super, you can add it non concessionally and still claim a notice of intent to switch it back to a concessional as long as you're under the caps there. And then what that becomes is a bit of a rebate at tax time sort of thing. If you, yeah, if you claim your notice of intent because you've already paid tax on it if you do take home money. So what they do is they repay like, basically, the difference between your marginal tax rate and that 15% that you would tax going into super. Yeah.\n\nIt kind of depends on personal preference. Some people like the yeah. And and with that too, like, a lot of people like the idea that it gets monitored more regularly with that sort of power of yeah. The yeah. The SMA, the managed account there.\n\nYeah. Yeah. Yeah. Obviously, this is, like, just a little strategy paper with the it doesn't go too in-depth. It gives you through the pros and cons.\n\nBut, yeah, it is powered by basically BlackRock and their software as well as the investment committee here. As opposed to, like, sort of when we build a portfolio outside of that, it is basically what the investment community is approved through their approved product list. So the company sort of isn't happy to to have his recommended products. And then each year sort of they get a review, and then if you wanna change something, we do have to do the advice process again, whether that is with the passive side of things or if you have an active portion in it or not. Yeah.\n\nI'll have a quick look here. Yeah. So one seventy eight six at the moment there with yeah. So as I said, yeah, I can't sort of pretend to what you sort of had a conversation originally with having, like, that allocation to an active port. I think yeah.\n\nI think it's coming around the the four, maybe closer to five, because I think it was around 2021 sort of time ish. I'm not too That was around That was like the COVID time. So you took quite a significant dip up to that, and it sort of started Yeah. It started to come back to, like, end of last year. And then obviously, with that been a long announcement, yeah, it's taken another dive.\n\nSo Normally, I send out the document even if it's just a fifteen minute phone call just to give you the key points, and then you can just take it away and have a look at it and then come back with any questions you might have. Yeah. I'll I'll try and get that all put together there for you. So I'm just gonna draw it up. Obviously, it's all in different documents.\n\nSo I'll try and make it all nice and pretty and put into something that's a little bit more put together. And then yep. With in regards to that, I'll send you the PDF for that document because as I said, like, the individual investments, it's like, a bit more fluid with that. So I'll give you the most up to date PDF with that one so you can have a look through that and what that looks like. No problem, Jason.\n\nThanks for your time. Enjoy the rest of your day. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jason.","start":3.1999998,"end":4.08,"sentiment":"positive","sentiment_score":0.4204978843530019},{"text":"It's Carl calling from Financial.","start":4.08,"end":5.38,"sentiment":"neutral","sentiment_score":0.2604763716459274},{"text":"How are you today?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.2679644897580147},{"text":"Yeah.","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.20194748044013977},{"text":"Not too bad, Bill.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.3446059003472328}],"sentiment":"neutral","sentiment_score":0.30682967953822193,"num_words":17,"start":3.1999998,"end":8.72},{"sentences":[{"text":"Thanks for asking.","start":8.72,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6535375912984213},{"text":"I just scheduled in for that bit of a catch up.","start":9.5199995,"end":11.46,"sentiment":"positive","sentiment_score":0.49905384941534564},{"text":"No.","start":15.055,"end":15.375,"sentiment":"neutral","sentiment_score":-0.048124443739652634},{"text":"No.","start":15.375,"end":15.535,"sentiment":"neutral","sentiment_score":-0.06558141112327576},{"text":"That's perfectly fine.","start":15.535,"end":16.495,"sentiment":"neutral","sentiment_score":0.03316522762179375}],"sentiment":"positive","sentiment_score":0.3913681550245536,"num_words":19,"start":8.72,"end":16.495},{"sentences":[{"text":"Under understandable.","start":16.495,"end":17.395,"sentiment":"neutral","sentiment_score":-0.10461247712373734},{"text":"You're a busy man.","start":17.455,"end":18.435001,"sentiment":"neutral","sentiment_score":-0.2430005483329296},{"text":"Just to jump into that one, Jason, I do have to let you know these calls are recorded for that quality and training purposes.","start":19.215,"end":23.695,"sentiment":"neutral","sentiment_score":-0.021820317022502422},{"text":"And if I could just pass you through security, just that name, date of birth, and current address, we'll get stuck into it.","start":23.695,"end":36.88,"sentiment":"neutral","sentiment_score":0.019976816504545834},{"text":"Brilliant.","start":36.88,"end":37.120003,"sentiment":"positive","sentiment_score":0.5829929113388062}],"sentiment":"neutral","sentiment_score":-0.012267686392146128,"num_words":54,"start":16.495,"end":37.120003},{"sentences":[{"text":"Thanks for that one, Jason.","start":37.120003,"end":38.34,"sentiment":"positive","sentiment_score":0.6222893476486206},{"text":"Now I know that originally we had the conversation.","start":38.56,"end":42.115,"sentiment":"neutral","sentiment_score":-0.002591197689374288},{"text":"We're gonna leave it a little bit.","start":42.115,"end":43.395,"sentiment":"neutral","sentiment_score":-0.03865255042910576},{"text":"And I think around now is when we're gonna touch base anyway just to see how things are traveling a little bit earlier.","start":43.395,"end":51.975002,"sentiment":"neutral","sentiment_score":-0.022160294020305508},{"text":"Yeah.","start":58.309998,"end":58.71,"sentiment":"neutral","sentiment_score":-0.13925306499004364}],"sentiment":"neutral","sentiment_score":0.04819151730173164,"num_words":45,"start":37.120003,"end":58.71},{"sentences":[{"text":"Yeah.","start":58.71,"end":58.949997,"sentiment":"neutral","sentiment_score":-0.08974014222621918},{"text":"No.","start":58.949997,"end":59.11,"sentiment":"neutral","sentiment_score":-0.18941086530685425},{"text":"I completely understand what yeah.","start":59.11,"end":63.11,"sentiment":"neutral","sentiment_score":-0.13020945712924004},{"text":"Not not a problem.","start":63.11,"end":64.15,"sentiment":"neutral","sentiment_score":-0.06203126721084118},{"text":"Yeah.","start":64.15,"end":64.39,"sentiment":"neutral","sentiment_score":-0.1304110884666443}],"sentiment":"neutral","sentiment_score":-0.10906120420744021,"num_words":12,"start":58.71,"end":64.39},{"sentences":[{"text":"As a a business decision as well, we we are moving away from that.","start":64.39,"end":67.825005,"sentiment":"neutral","sentiment_score":-0.2952902338334492},{"text":"I think I might have mentioned that earlier as well.","start":67.825005,"end":70.145004,"sentiment":"neutral","sentiment_score":-0.07269889637827873},{"text":"Yeah.","start":70.145004,"end":70.645004,"sentiment":"neutral","sentiment_score":-0.10825581103563307},{"text":"And, look, given that you had a higher allocation more than most in that, it wasn't yeah.","start":75.105,"end":81.07,"sentiment":"neutral","sentiment_score":-0.07227987993289442},{"text":"Because you I'm not too sure, like, the original conversation you had with the adviser when you originally put the portfolio together, but you had a little bit more active managed risk with about, like, 30% of that been long.","start":81.07,"end":91.15,"sentiment":"neutral","sentiment_score":-0.14724308904260397}],"sentiment":"neutral","sentiment_score":-0.1474120679152448,"num_words":82,"start":64.39,"end":91.15},{"sentences":[{"text":"So it obviously impacts your portfolio.","start":91.15,"end":92.850006,"sentiment":"neutral","sentiment_score":-0.1595608852803707},{"text":"But, yeah, with that, obviously, doing the update, I did reply on that email.","start":96.825,"end":101.225,"sentiment":"neutral","sentiment_score":0.10098211946231979},{"text":"I did get them to do the research.","start":101.225,"end":102.585,"sentiment":"neutral","sentiment_score":0.11935289669781923},{"text":"So I do have, like, a few figures I can sort of run over with you and sort of how you wanna move going forward.","start":102.585,"end":107.725,"sentiment":"neutral","sentiment_score":0.07546306736767291},{"text":"Yep.","start":117.09,"end":117.409996,"sentiment":"neutral","sentiment_score":-0.08494216203689575}],"sentiment":"neutral","sentiment_score":0.05949707512088396,"num_words":54,"start":91.15,"end":117.409996},{"sentences":[{"text":"Yep.","start":117.409996,"end":117.909996,"sentiment":"neutral","sentiment_score":-0.07131362706422806},{"text":"Yep.","start":118.689995,"end":119.17,"sentiment":"neutral","sentiment_score":0.0012951729586347938},{"text":"And even then, I can send you the doc and give you a quick call and overview, and you can same thing can review it in your your time if you can, like, while you're away even.","start":119.17,"end":127.08501,"sentiment":"neutral","sentiment_score":0.045691759778639755},{"text":"Yep.","start":127.385,"end":127.885,"sentiment":"neutral","sentiment_score":0.02896888926625252},{"text":"Obviously, I've just gotta touch on the key points, and we do send those off.","start":128.425,"end":132.125,"sentiment":"neutral","sentiment_score":0.022835728836556275}],"sentiment":"neutral","sentiment_score":0.036219663263975896,"num_words":55,"start":117.409996,"end":132.125},{"sentences":[{"text":"Yep.","start":132.345,"end":132.845,"sentiment":"neutral","sentiment_score":0.033461734652519226},{"text":"Just before I jump into anything else, though, as far as, like, your current status there with your details, like assets, liabilities, role, you're still doing the same sort of work?","start":133.705,"end":145.76999,"sentiment":"neutral","sentiment_score":0.025119343922743873},{"text":"Perfect, brilliant.","start":150.565,"end":151.445,"sentiment":"positive","sentiment_score":0.7502058148384094},{"text":"And then are you still happy keeping your income just to your carrier driver sort of store person?","start":151.445,"end":157.285,"sentiment":"neutral","sentiment_score":0.11601872152338426},{"text":"Because I know you do the metal work on the side as well and that sort of changes, but we don't really have a set income for that.","start":157.285,"end":163.29,"sentiment":"neutral","sentiment_score":-0.022827540723873035}],"sentiment":"neutral","sentiment_score":0.04702173591358587,"num_words":80,"start":132.345,"end":163.29},{"sentences":[{"text":"Too easy.","start":167.53,"end":168.17,"sentiment":"positive","sentiment_score":0.3398927003145218},{"text":"And then as far as the advice document's concerned, because, obviously, we're mainly just touching on the investment side of things.","start":168.17,"end":175.45,"sentiment":"neutral","sentiment_score":0.0986570937647706},{"text":"Are you happy with Hub 24 as a platform and things like that as well?","start":175.45,"end":178.09,"sentiment":"neutral","sentiment_score":0.3186761210362116},{"text":"Are you happy for just to be the investment update?","start":178.09,"end":180.25499,"sentiment":"neutral","sentiment_score":0.1815208438783884},{"text":"Or yeah.","start":180.25499,"end":186.25499,"sentiment":"neutral","sentiment_score":0.028590476140379902}],"sentiment":"neutral","sentiment_score":0.1880823115259409,"num_words":50,"start":167.53,"end":186.25499},{"sentences":[{"text":"As a a comparable in the market, there are, like, a few cheaper alternatives, but then you still lose out on some of the features that Hub does have.","start":186.25499,"end":192.89499,"sentiment":"neutral","sentiment_score":-0.056173284505975654},{"text":"They do have, like, aggregate trading and few other features that other cheaper options don't have.","start":192.89499,"end":198.47,"sentiment":"neutral","sentiment_score":0.13087757071480155},{"text":"So compared in the market and retail platforms, they're still quite competitive in what they offer for the price you're paying, if that makes sense.","start":198.47,"end":204.73,"sentiment":"neutral","sentiment_score":0.32019439786672593},{"text":"Perfect.","start":207.045,"end":207.52501,"sentiment":"positive","sentiment_score":0.5890949368476868},{"text":"So we'll just look at doing that investment update then.","start":207.52501,"end":211.145,"sentiment":"neutral","sentiment_score":0.18453025668859482}],"sentiment":"neutral","sentiment_score":0.1346206584094483,"num_words":81,"start":186.25499,"end":211.145},{"sentences":[{"text":"Obviously, if things do change, we can obviously look at different things in the the future there.","start":211.205,"end":214.985,"sentiment":"neutral","sentiment_score":0.12765699668842204},{"text":"But in regards to that one, there so the few options I sort of got them to do up there for you is this because you're in quite one of the older portfolios anyway there, like, around the pre you know, around the COVID time.","start":216.485,"end":228.18001,"sentiment":"neutral","sentiment_score":0.03540741819888353},{"text":"So probably due for an update even if, you know, it didn't occur with the Benelon.","start":228.18001,"end":234.955,"sentiment":"neutral","sentiment_score":0.008417214994551614},{"text":"But keep that in saying that you do have quite a significant portion to an active investment.","start":235.015,"end":239.595,"sentiment":"neutral","sentiment_score":0.09899144619703293},{"text":"Now we can look to move forward and have no active investment and just go passive.","start":239.655,"end":244.535,"sentiment":"neutral","sentiment_score":0.04893989209085703}],"sentiment":"neutral","sentiment_score":0.05733397352584713,"num_words":111,"start":211.205,"end":244.535},{"sentences":[{"text":"It comes at a lower cost there, and I can even draw this up in a little bit of a a strategy type paper there for you just to show yeah.","start":244.535,"end":253.18001,"sentiment":"neutral","sentiment_score":0.20086343874854426},{"text":"So I can have a quick chat about them now, and you can give something to think about.","start":253.32,"end":256.6,"sentiment":"neutral","sentiment_score":0.16915613495641285},{"text":"I can send you that, like, sort of strategy paper document, a few different options.","start":256.6,"end":261.02002,"sentiment":"neutral","sentiment_score":0.15536070466041565},{"text":"So in regards to that that passive option there that aims to just track the indexes, it comes at a lot of a cheaper investment cost.","start":262.035,"end":268.91498,"sentiment":"neutral","sentiment_score":0.31690431787417483},{"text":"You're just tracking what the markets are doing.","start":268.91498,"end":271.01498,"sentiment":"positive","sentiment_score":0.38197050988674164}],"sentiment":"neutral","sentiment_score":0.23364555045050017,"num_words":98,"start":244.535,"end":271.01498},{"sentences":[{"text":"And then with that, you don't have the potential to outperform the market, which is what those fund managers do.","start":271.63498,"end":276.115,"sentiment":"neutral","sentiment_score":0.10120765846222639},{"text":"Obviously, Benelong hasn't lived up to the name, and they didn't do quite well at all.","start":276.115,"end":279.81998,"sentiment":"negative","sentiment_score":-0.4165481012314558},{"text":"But in saying that, there is the option to go in a more passive investment where you do just carry the indexes in those exchange traded funds that aim to just try and track those and how they are performing.","start":281.4,"end":292.46,"sentiment":"neutral","sentiment_score":0.21136911790817975},{"text":"We can also look at updating it with an active portion and having, you know, a core of it being the passive side of things to track those indexes, much sort of like you have in your current portfolio, but your current portfolio is also quite a bit tech heavy, then I would preferably like yeah.","start":293.015,"end":316.56,"sentiment":"neutral","sentiment_score":0.09991485778508442},{"text":"So being in the a high growth options, about that ninety ten split.","start":316.56,"end":320.205,"sentiment":"neutral","sentiment_score":-0.03025441602445566}],"sentiment":"neutral","sentiment_score":0.06217981305872572,"num_words":145,"start":271.63498,"end":320.205},{"sentences":[{"text":"Now with the passive and also the alternative there as well, we can aim to sort of carry that as well, but you'd have the main thing in that one, you've got that manager risk, which is what's caused a lot of your fluctuations and also the downturn with that Benelon given that that's a higher allocation.","start":320.205,"end":335.425,"sentiment":"neutral","sentiment_score":-0.10182640969491842},{"text":"It's not to say that when you move across your past investment and have that ninety ten split that you carry as much risk because you didn't have the the manager risk.","start":336.34,"end":345.64,"sentiment":"neutral","sentiment_score":-0.19537908816710114},{"text":"And then also we can look at just reducing that manager risk and having a smaller allocation towards an active portion within the portfolio.","start":345.78,"end":352.975,"sentiment":"neutral","sentiment_score":0.08281314528236787},{"text":"They're still aim for trying to outperform the market a little bit, but a low percentage sort of around that 15% where if it does sort of not perform as well, it doesn't affect your balance.","start":353.11502,"end":361.935,"sentiment":"neutral","sentiment_score":0.20909698431690535},{"text":"Yep.","start":363.67502,"end":364.17502,"sentiment":"neutral","sentiment_score":0.24635086953639984}],"sentiment":"neutral","sentiment_score":-0.015299189214905104,"num_words":150,"start":320.205,"end":364.17502},{"sentences":[{"text":"So with that, I'm as I can't pertain to what, like, sort of original conversation you had in trying to to, you know, get those more aggressive higher returns with those managed funds and the amount that you had in it, but we can look at reducing that moving forward.","start":364.475,"end":376.99002,"sentiment":"neutral","sentiment_score":0.1865018704533577},{"text":"The other option there is is we've started an SMA.","start":376.99002,"end":381.895,"sentiment":"neutral","sentiment_score":0.16912515014410018},{"text":"So with an SMA yeah.","start":381.955,"end":388.435,"sentiment":"neutral","sentiment_score":0.0873730480670929},{"text":"Not a problem.","start":388.435,"end":388.915,"sentiment":"neutral","sentiment_score":0.11192606886227925},{"text":"So it's a separately managed account.","start":388.915,"end":390.695,"sentiment":"neutral","sentiment_score":0.07280183335145314}],"sentiment":"neutral","sentiment_score":0.16521350636675552,"num_words":74,"start":364.475,"end":390.695},{"sentences":[{"text":"So with that, we would be recommending and this portfolio and is managed not only by Oakview but also by BlackRock in a partnership there as well.","start":390.835,"end":401.32,"sentiment":"neutral","sentiment_score":0.1373814316811385},{"text":"So with that, between the investment committee here and the BlackRock investment committee, they've built a portfolio that becomes a lot more flexible.","start":401.86002,"end":408.52002,"sentiment":"positive","sentiment_score":0.37881424375202344},{"text":"So what you do is you buy into the the SMA or the separately managed account.","start":411.465,"end":412.985,"sentiment":"neutral","sentiment_score":0.21549662295728922},{"text":"And then you have a little less transparency in terms of what investments you have because they can change those underlying investments throughout the years to be a little bit more flexible moving forward to change for things like markets.","start":412.985,"end":424.91,"sentiment":"neutral","sentiment_score":0.1359271057881415},{"text":"It doesn't actually have a active managed portion in the like, in it in the moment, but what it does have is actively managed as in they change those passive investments and review those sort of quarterly as opposed to, like, annually with your annual reviews and looking at changing things then.","start":424.91,"end":440.205,"sentiment":"neutral","sentiment_score":0.0687049598647998}],"sentiment":"neutral","sentiment_score":0.15746654666771617,"num_words":158,"start":390.835,"end":440.205},{"sentences":[{"text":"And for your case, it seems to have gone a little bit longer way.","start":440.26498,"end":443.245,"sentiment":"neutral","sentiment_score":-0.08949813087071691},{"text":"Yeah.","start":449.16,"end":449.40002,"sentiment":"neutral","sentiment_score":0.07441727817058563},{"text":"Well, the investment committee is responsible for and, like, within anyone that's in it, they change something.","start":449.40002,"end":454.52002,"sentiment":"neutral","sentiment_score":0.07318160923964837},{"text":"It changes for everyone.","start":454.52002,"end":455.64,"sentiment":"neutral","sentiment_score":0.06882000155746937},{"text":"So they don't have to contact you and provide you any statement advice to go this and this are changing.","start":455.64,"end":460.28,"sentiment":"neutral","sentiment_score":-0.07845480963587761}],"sentiment":"neutral","sentiment_score":-0.02193366756130542,"num_words":56,"start":440.26498,"end":460.28},{"sentences":[{"text":"If they just give you an update via an email and be like, this is what's changed in the underlying separately managed account, and this is the change we've made.","start":460.28,"end":467.245,"sentiment":"neutral","sentiment_score":0.023134153770903745},{"text":"These are why we've made them and, like, the investment directions and things like that.","start":467.245,"end":471.245,"sentiment":"neutral","sentiment_score":0.05483106349905332},{"text":"Whereas for me to change anything in your current portfolio, I've gotta have the conversation with you, sort of gauge your your risk tolerance.","start":471.245,"end":477.505,"sentiment":"neutral","sentiment_score":-0.005294601879237841},{"text":"And, yeah, every time you wanna update the advice, it like, it goes through this whole process of, like, me having conversations, see how you feel about things, giving you a few different a little bit.","start":479.48,"end":492.455,"sentiment":"neutral","sentiment_score":0.037173482589423656},{"text":"So, yeah.","start":492.455,"end":492.85498,"sentiment":"neutral","sentiment_score":0.03752216883003712}],"sentiment":"neutral","sentiment_score":0.02619354982607972,"num_words":107,"start":460.28,"end":492.85498},{"sentences":[{"text":"So it is passive in terms of the investments it holds, but it's actively managed.","start":492.85498,"end":496.69498,"sentiment":"neutral","sentiment_score":0.04123524365325769},{"text":"So you do have that manager portion where they can change the underlying investments and that's yeah.","start":496.69498,"end":501.97498,"sentiment":"neutral","sentiment_score":0.08821950589909273},{"text":"And then that's not to say that they pardon?","start":501.97498,"end":504.5,"sentiment":"neutral","sentiment_score":-0.05201041139662266},{"text":"Well, because it's so new, it only came out at the start of this year really.","start":506.96,"end":510.97998,"sentiment":"neutral","sentiment_score":-0.09487148374319077},{"text":"Yeah.","start":511.44,"end":511.84,"sentiment":"neutral","sentiment_score":0.03048529289662838}],"sentiment":"neutral","sentiment_score":0.0028053121641278267,"num_words":58,"start":492.85498,"end":511.84},{"sentences":[{"text":"So it's the end of last year.","start":511.84,"end":513.2,"sentiment":"neutral","sentiment_score":0.06209426745772362},{"text":"They finalized it with BlackRock.","start":513.2,"end":514.72,"sentiment":"neutral","sentiment_score":0.12120398133993149},{"text":"It's one of the first companies that built like a strategic portfolio with.","start":514.72,"end":519.995,"sentiment":"neutral","sentiment_score":0.06261172575446275},{"text":"So infancy sort of days that BlackRock's quite a big name, and they're quite good in their analysts as well that it does yeah.","start":521.255,"end":528.375,"sentiment":"neutral","sentiment_score":0.14304352443044385},{"text":"Exactly.","start":528.375,"end":528.875,"sentiment":"neutral","sentiment_score":0.12385045737028122}],"sentiment":"neutral","sentiment_score":0.10823054514825343,"num_words":50,"start":511.84,"end":528.875},{"sentences":[{"text":"And with that, it would be cheaper than your current portfolio.","start":531.27,"end":534.89,"sentiment":"neutral","sentiment_score":0.1365973993458531},{"text":"If, yeah, if you went like a full indexed option and then sort of like I said, more passively build the portfolio again and just had it sort of, you know, each year doing the reviews and potentially changing things, that option's potentially a few $100 maybe cheaper ongoing in terms of annual costs.","start":535.02997,"end":551.875,"sentiment":"neutral","sentiment_score":0.10133413432372941},{"text":"But in saying that you don't have that active managed portion apart from, like, when we review those investments, and then yeah.","start":552.97504,"end":561.79004,"sentiment":"neutral","sentiment_score":0.002044539940966802},{"text":"And then if you were to look to just update the portfolio and have less allocated to, like, an active investment, it is quite similar to having it in the that SMA anyway.","start":561.79004,"end":569.65,"sentiment":"neutral","sentiment_score":0.09379623660987074},{"text":"It's actually slightly more expensive, but they're all sort of around.","start":570.43,"end":573.57,"sentiment":"neutral","sentiment_score":0.03533892706036568}],"sentiment":"neutral","sentiment_score":0.08018014145631144,"num_words":131,"start":531.27,"end":573.57},{"sentences":[{"text":"Passive would be around 1,200 as an ongoing cost.","start":574.315,"end":577.135,"sentiment":"neutral","sentiment_score":0.03769156978362136},{"text":"The active manage would be around the 14, and then the the SMA would be around the $13.50 in terms of, like, in yeah.","start":577.355,"end":586.65,"sentiment":"neutral","sentiment_score":0.0647293805765609},{"text":"It sort of just depends on what you sort of want to get out of it as well.","start":586.65,"end":589.87,"sentiment":"neutral","sentiment_score":0.14452065237694317},{"text":"And then with that, it is a lot easier for them to obviously change and keep those portfolios up to date as things move forward in those changes.","start":590.57,"end":597.47003,"sentiment":"neutral","sentiment_score":0.2219734327601535},{"text":"Yep.","start":606.34503,"end":606.825,"sentiment":"neutral","sentiment_score":0.1698862612247467}],"sentiment":"neutral","sentiment_score":0.13599054228980095,"num_words":80,"start":574.315,"end":606.825},{"sentences":[{"text":"Yeah.","start":606.825,"end":607.145,"sentiment":"neutral","sentiment_score":0.16470476984977722},{"text":"So what I can do is I can put together that little strategy paper there for you, and it gives you sort of just like their rolling average returns historically currently as well as sort of the the costs and any sort of a little bit of pros and cons with those and everything.","start":607.145,"end":623.02997,"sentiment":"neutral","sentiment_score":0.17358983625416402},{"text":"In regards to, like, capital gains at the moment, it's not something given that Benelon took such that backwards turn that you'd have to worry too much about.","start":623.77496,"end":629.695,"sentiment":"neutral","sentiment_score":0.13220798011337007},{"text":"It offsets, like, any sort of capital gain moving with the the changes across, like, all three options there.","start":629.695,"end":637.075,"sentiment":"neutral","sentiment_score":0.13608755288939728},{"text":"So in regards to that one, that's not a huge issue there, but I can provide you that document just so you can have a little squeeze over.","start":638.39996,"end":643.2,"sentiment":"positive","sentiment_score":0.38255374506115913}],"sentiment":"neutral","sentiment_score":0.20413498259507692,"num_words":130,"start":606.825,"end":643.2},{"sentences":[{"text":"And even if you just sort of email me back and tell me which option you thought of Yep.","start":643.2,"end":655.955,"sentiment":"neutral","sentiment_score":0.1507028849109223},{"text":"Yeah.","start":662.03,"end":662.35004,"sentiment":"neutral","sentiment_score":0.012681744992733002},{"text":"And when you're looking to do sort of additional contributions or any sort of salary sacrifice at all?","start":662.35004,"end":666.91003,"sentiment":"neutral","sentiment_score":-0.03060904973083072},{"text":"Or yep.","start":666.91003,"end":672.05,"sentiment":"neutral","sentiment_score":-0.04906054586172104},{"text":"Yeah.","start":675.645,"end":676.145,"sentiment":"neutral","sentiment_score":-0.03688482567667961}],"sentiment":"neutral","sentiment_score":0.0534162864815898,"num_words":41,"start":643.2,"end":676.145},{"sentences":[{"text":"Yep.","start":680.525,"end":681.025,"sentiment":"neutral","sentiment_score":-0.01557410415261984},{"text":"No.","start":681.48505,"end":681.80505,"sentiment":"neutral","sentiment_score":-0.11561626195907591},{"text":"Not a problem.","start":681.80505,"end":682.54504,"sentiment":"neutral","sentiment_score":-0.11092306425174077},{"text":"No.","start":690.38,"end":690.62,"sentiment":"neutral","sentiment_score":-0.10335524380207062},{"text":"So that it depends so there's a government co contribution if that's the one you're you're referring to, and that's not as high as what you may be thinking there.","start":690.62,"end":702.245,"sentiment":"neutral","sentiment_score":-0.1471323573340972}],"sentiment":"neutral","sentiment_score":-0.13836904229699737,"num_words":36,"start":680.525,"end":702.245},{"sentences":[{"text":"I believe it maxes out around the 1,500.","start":703.665,"end":706.385,"sentiment":"neutral","sentiment_score":0.07520582154393196},{"text":"It depends what income you're on because it can obviously go down as well, I think.","start":706.385,"end":710.245,"sentiment":"neutral","sentiment_score":-0.12387606920674443},{"text":"So if you contribute I believe if you contribute 1,500, they'll co contribute up to, like, 500 for low to middle income earners, but then it changes depending on how much income you're earning there as well.","start":710.385,"end":725.12,"sentiment":"neutral","sentiment_score":0.12219318143419318},{"text":"In addition to that one, depending on, like, sort of how much cash you got spare and what you wanted to sort of potentially chuck in, If you were to add it concessionally through salary sacrifice, you obviously got up to that $30,000 cap where it only get taxed at 15% going in as opposed to your marginal tax rate.","start":725.26,"end":741.035,"sentiment":"neutral","sentiment_score":0.036609632925440866},{"text":"Yeah.","start":742.295,"end":742.795,"sentiment":"neutral","sentiment_score":0.24459637701511383}],"sentiment":"neutral","sentiment_score":0.045753701070903756,"num_words":122,"start":703.665,"end":742.795},{"sentences":[{"text":"Alternatively, if you just sort of, like, end of financial year looking to put a bit of a lump sum in that you've got spare and you wanna just have it in your super as opposed to in a bank account or in your investments outside of super, you can add it non concessionally and still claim a notice of intent to switch it back to a concessional as long as you're under the caps there.","start":743.095,"end":760.065,"sentiment":"neutral","sentiment_score":0.18408289777213022},{"text":"And then what that becomes is a bit of a rebate at tax time sort of thing.","start":760.145,"end":763.525,"sentiment":"neutral","sentiment_score":0.14746580711182425},{"text":"If you, yeah, if you claim your notice of intent because you've already paid tax on it if you do take home money.","start":763.665,"end":769.825,"sentiment":"neutral","sentiment_score":0.11848847373672154},{"text":"So what they do is they repay like, basically, the difference between your marginal tax rate and that 15% that you would tax going into super.","start":769.825,"end":778.14996,"sentiment":"neutral","sentiment_score":0.13048804121521804},{"text":"Yeah.","start":791.825,"end":792.225,"sentiment":"neutral","sentiment_score":-0.008986648172140121}],"sentiment":"neutral","sentiment_score":0.15808500888776947,"num_words":143,"start":743.095,"end":792.225},{"sentences":[{"text":"It kind of depends on personal preference.","start":792.225,"end":794.40497,"sentiment":"neutral","sentiment_score":-0.039930223886455805},{"text":"Some people like the yeah.","start":794.865,"end":800.64,"sentiment":"neutral","sentiment_score":-0.034579748660326},{"text":"And and with that too, like, a lot of people like the idea that it gets monitored more regularly with that sort of power of yeah.","start":800.64,"end":808.5,"sentiment":"neutral","sentiment_score":0.28673411891437495},{"text":"The yeah.","start":809.68,"end":810.24,"sentiment":"neutral","sentiment_score":0.021705372259020805},{"text":"The SMA, the managed account there.","start":810.24,"end":812.5,"sentiment":"neutral","sentiment_score":0.014234941297521194}],"sentiment":"neutral","sentiment_score":0.15503254725152385,"num_words":46,"start":792.225,"end":812.5},{"sentences":[{"text":"Yeah.","start":812.56,"end":812.88,"sentiment":"neutral","sentiment_score":0.03382435441017151},{"text":"Yeah.","start":812.88,"end":813.375,"sentiment":"neutral","sentiment_score":0.04288957267999649},{"text":"Yeah.","start":820.255,"end":820.755,"sentiment":"neutral","sentiment_score":0.07791399955749512},{"text":"Obviously, this is, like, just a little strategy paper with the it doesn't go too in-depth.","start":820.815,"end":824.735,"sentiment":"neutral","sentiment_score":0.046017645683605224},{"text":"It gives you through the pros and cons.","start":824.735,"end":826.495,"sentiment":"neutral","sentiment_score":0.03504714882001281}],"sentiment":"neutral","sentiment_score":0.0433810165979796,"num_words":27,"start":812.56,"end":826.495},{"sentences":[{"text":"But, yeah, it is powered by basically BlackRock and their software as well as the investment committee here.","start":826.495,"end":832.26,"sentiment":"neutral","sentiment_score":0.15676418940226236},{"text":"As opposed to, like, sort of when we build a portfolio outside of that, it is basically what the investment community is approved through their approved product list.","start":833.28,"end":840.105,"sentiment":"neutral","sentiment_score":0.16807499128792966},{"text":"So the company sort of isn't happy to to have his recommended products.","start":840.665,"end":844.285,"sentiment":"neutral","sentiment_score":-0.2416489330621866},{"text":"And then each year sort of they get a review, and then if you wanna change something, we do have to do the advice process again, whether that is with the passive side of things or if you have an active portion in it or not.","start":844.985,"end":854.925,"sentiment":"neutral","sentiment_score":-0.05137797291188136},{"text":"Yeah.","start":859.95,"end":860.45,"sentiment":"neutral","sentiment_score":-0.038629136979579926}],"sentiment":"neutral","sentiment_score":0.018720784382718913,"num_words":106,"start":826.495,"end":860.45},{"sentences":[{"text":"I'll have a quick look here.","start":861.71,"end":863.41003,"sentiment":"neutral","sentiment_score":-0.04865346476435661},{"text":"Yeah.","start":865.63,"end":865.95,"sentiment":"neutral","sentiment_score":-0.04810507595539093},{"text":"So one seventy eight six at the moment there with yeah.","start":865.95,"end":872.535,"sentiment":"neutral","sentiment_score":-0.07040985656732862},{"text":"So as I said, yeah, I can't sort of pretend to what you sort of had a conversation originally with having, like, that allocation to an active port.","start":872.535,"end":880.875,"sentiment":"neutral","sentiment_score":-0.08090894769078918},{"text":"I think yeah.","start":883.99,"end":884.95,"sentiment":"neutral","sentiment_score":-0.010252480705579122}],"sentiment":"neutral","sentiment_score":-0.0696069849845098,"num_words":49,"start":861.71,"end":884.95},{"sentences":[{"text":"I think it's coming around the the four, maybe closer to five, because I think it was around 2021 sort of time ish.","start":884.95,"end":891.21,"sentiment":"neutral","sentiment_score":-0.00856743833940962},{"text":"I'm not too That was around That was like the COVID time.","start":895.28503,"end":898.405,"sentiment":"neutral","sentiment_score":-0.11731154068062703},{"text":"So you took quite a significant dip up to that, and it sort of started Yeah.","start":898.405,"end":903.205,"sentiment":"neutral","sentiment_score":-0.12111282628029585},{"text":"It started to come back to, like, end of last year.","start":903.205,"end":905.84503,"sentiment":"neutral","sentiment_score":-0.11501413177360188},{"text":"And then obviously, with that been a long announcement, yeah, it's taken another dive.","start":905.84503,"end":910.98004,"sentiment":"neutral","sentiment_score":-0.168246434203216}],"sentiment":"neutral","sentiment_score":-0.09425263577385952,"num_words":76,"start":884.95,"end":910.98004},{"sentences":[{"text":"So Normally, I send out the document even if it's just a fifteen minute phone call just to give you the key points, and then you can just take it away and have a look at it and then come back with any questions you might have.","start":910.98004,"end":934.98,"sentiment":"neutral","sentiment_score":0.1540162075073161},{"text":"Yeah.","start":939.77997,"end":940.01996,"sentiment":"neutral","sentiment_score":0.1376170516014099},{"text":"I'll I'll try and get that all put together there for you.","start":940.01996,"end":942.42,"sentiment":"neutral","sentiment_score":0.21097387870152792},{"text":"So I'm just gonna draw it up.","start":942.42,"end":943.86,"sentiment":"neutral","sentiment_score":0.09317119419574738},{"text":"Obviously, it's all in different documents.","start":943.86,"end":945.45996,"sentiment":"neutral","sentiment_score":0.019027271928886574}],"sentiment":"neutral","sentiment_score":0.1462250320521528,"num_words":73,"start":910.98004,"end":945.45996},{"sentences":[{"text":"So I'll try and make it all nice and pretty and put into something that's a little bit more put together.","start":945.45996,"end":949.88,"sentiment":"neutral","sentiment_score":0.06021366483487543},{"text":"And then yep.","start":950.26,"end":958.655,"sentiment":"neutral","sentiment_score":0.046980708837509155},{"text":"With in regards to that, I'll send you the PDF for that document because as I said, like, the individual investments, it's like, a bit more fluid with that.","start":959.115,"end":967.05,"sentiment":"neutral","sentiment_score":0.056386357494469345},{"text":"So I'll give you the most up to date PDF with that one so you can have a look through that and what that looks like.","start":967.05,"end":971.3489,"sentiment":"neutral","sentiment_score":0.1715039278452213},{"text":"No problem, Jason.","start":975.50885,"end":976.3089,"sentiment":"positive","sentiment_score":0.5955963333447775}],"sentiment":"neutral","sentiment_score":0.11325029974871474,"num_words":82,"start":945.45996,"end":976.3089},{"sentences":[{"text":"Thanks for your time.","start":976.3089,"end":976.8689,"sentiment":"positive","sentiment_score":0.7942702025175095},{"text":"Enjoy the rest of your day.","start":976.8689,"end":978.00885,"sentiment":"positive","sentiment_score":0.7895065049330393},{"text":"Cheers.","start":979.1889,"end":979.50885,"sentiment":"positive","sentiment_score":0.5833578109741211},{"text":"Bye.","start":979.50885,"end":980.00885,"sentiment":"neutral","sentiment_score":-0.11642447113990784}],"sentiment":"positive","sentiment_score":0.6984210982918739,"num_words":12,"start":976.3089,"end":980.00885}]}}]},{"alternatives":[{"transcript":"Yeah. Hello. Jason speaking. Good, mate. How are you? Awesome. Yeah. Yeah. Cool. Yeah. Sorry I missed your call last week. Anyway, all good. Yep. Yeah. Jason from you. Date of birth, twenty eight zero four nineteen seventy two. 102 Sharpless Road, Springfield 4300. Yeah. I think it was about now. I I contacted you a bit earlier to get to get out because I was going up, mate, and then it's totally going down. I think it's sunk even more. So I think it's time to jump the sink and ship myself on that one. Yeah. I've been watching it a bit. So, yeah, thanks for that. You did mention that you didn't know your clients out of it, so, yeah, I probably should have jumped off it. I will just wait and see what happens, but I'll yeah. Yeah. Do you know? Yeah. I did, mate. I did definitely. Yeah. Definitely say. Yeah. Yeah. Yeah. A couple options what I can do, and I can sort of think about it. And then let I'm pissed I'm racking off to Tazzy on Saturday, but I'd like to sort of get things rolling a bit if I before then if I could. You know what I mean? I'm away for about three weeks. Yeah. That's fine. Yep. Yep. What we're up to. Yep. Yeah. Everything's the same, mate. No changes in the last few weeks. All the same. So, yep, that's fine. Yep. That's fine. Yep. No. That's okay. That's up that's up and down, mate. Let's not worry about that one. That's fine. Well, mate, I I guess so. They they are traveling okay, I think, aren't they? I've done a bit of homework. They said they're doing okay, don't they? Yep. Yeah. I think just leave it at that. That's fine. Yep. Definitely. Yep. Yep. Yeah. Right. Yes. Yep. If you're not going, that'd be good. Yes. Actually, yep. Yep. Yep. Yep. My portfolio at the moment is pretty aggressive, isn't it? I think we set it up like that. I think that hasn't been changed, so nothing's been sensible with you guys, I think. Okay. Yep. Okay. Yeah. Yep. I'm not gonna go down as much yet. Yep. What's that self managed what's that one? Sorry. What's the name? What's explain that to me, please. You what? Okay. Yep. So so this one's a this one's a more second one's a more hands on, like, we're up to date a lot more. Are we by the sounds of it? Is that right? Yep. I'm with you. Yeah. Yeah. Okay. Yep. Yep. Yep. And then we're just losing time back and forth, aren't we really pretty much? It's just yeah. I know what you mean. Yep. So both basically, the second one's more of an auto. It's more self as an auto, basically, sort of goes with the market, I guess. Yep. I probably like that idea better, to be honest. Is that what your is that what most clients are doing with you at the moment, that that idea, or what are they sort of oh, has it? Yeah. Right. Yeah. Right. Yeah. I have everything. Yeah. And the world. Anyway, Yep. Oh, is it? Yep. Okay. Yeah. Every two, three, or six months. Yep. Okay. Okay. Okay. So all all about the same much and much, and I see it. Okay. Okay. I'm with you. Yeah. I'm with you. Yep. I probably like that idea the best out of it. But anyway okay. That's the three options you got for me, the couple options you got for me pretty much. Please do. Yeah. Yep. Yep. Okay. Yep. Okay. Yeah. I will definitely I'll I'll I'll definitely probably get on to buy tomorrow because I wanna get the thing rolling. So, yeah, my age, mate, my suit is not real crash hot. I've gotta start doing something about it now, basically. So I've just had it set set there, basically. I'm not doing nothing about it and getting a bit older. I thought I've gotta get on it. I gotta start doing something. You know what I mean? So, Look. I'm thinking about it. I'm wrapped up in crypto at the moment. That's down a fair bit anyway, but that'll come back. I haven't I haven't sold nothing. I don't intend to sell. I'm just waiting. But I don't know. I just let's let's set something up first maybe, and then we can talk about that. So hopefully speaking, okay, if I was to put, like, $5 in, do the government still match that or not? They stop that? Was that tax deduct or anything like that? Is there any pros and cons there? Or yep. Yep. Yeah. Right. I'm with you. Right. Yep. Yeah. Okay. Okay. Right. That's how it works. Okay. Yep. Okay. Yep. Okay. Oh, okay. There's a rebate. Yeah. Okay. Okay. Yep. Yep. Okay. Alright. Mate, yeah, send that out to me. I'll have a look at it. I'll definitely get back by by tomorrow or Friday at the latest and let you know. What are most people doing? I suppose everyone's different, obviously, aren't they? Preference in where I'm at with my super, I guess, how much I've got there and whatever my age and then I guess too. I I like that idea. That's with the m a one in SMA. Sorry. Yeah. SMA. Okay. That's what I'm sort of leaning towards, but I'd like to do a bit more research and obviously have a look at it and read what you're presenting to me. No. Yep. Okay. Yeah. Cool. Yep. Yeah. Okay. Okay. What's my balance at the moment? Are you gonna open? No. I I'm too scared to look. Probably about a 180. Not much. Yeah. There you go. Because this has bloody been a long crap. Yeah. Alright. Yeah, mate. I can't remember. How long have I been how long have I been with you guys for? Can you tell me that? About four years? Five? Close to five. What did I have in there when I first started with you guys? It wasn't much either. I don't think. No. No. I can check on that. That's fine. Yeah. I know. It just says that I can come back, really. Trump is tariffs. That's it. That's it. Alright, mate. Look. I appreciate your time. Send all that out to me. I'll get back to you definitely by the weekend. I'll give you an answer what I wanna do, and I'm happy just to correspond via email while I'm away if that's okay with you, or do we need to talk again? Or okay. Yep. Alright. Cool. Look. I'll read over it straight away then pretty much, and I'll get back to you as quick as I can. And how's that? Yeah. That's alright. No. That's fine. I totally understand. It's alright. But, yeah, as long as I've got the SMA, that's what I'm sort of interested in. I'll do a bit of homework on that and check that one out. Yeah. Definitely. Cool. Okay. Alright. Cool. Alright, mate. Look. Thank you very much for your time. I appreciate it, and I'll be back with you shortly. Thanks, man. Bye. See you. 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Hello. Jason speaking. Good, mate. How are you?\n\nAwesome. Yeah. Yeah. Cool. Yeah.\n\nSorry I missed your call last week. Anyway, all good. Yep. Yeah. Jason from you.\n\nDate of birth, twenty eight zero four nineteen seventy two. 102 Sharpless Road, Springfield 4300. Yeah. I think it was about now. I I contacted you a bit earlier to get to get out because I was going up, mate, and then it's totally going down.\n\nI think it's sunk even more. So I think it's time to jump the sink and ship myself on that one. Yeah. I've been watching it a bit. So, yeah, thanks for that.\n\nYou did mention that you didn't know your clients out of it, so, yeah, I probably should have jumped off it. I will just wait and see what happens, but I'll yeah. Yeah. Do you know? Yeah.\n\nI did, mate. I did definitely. Yeah. Definitely say. Yeah.\n\nYeah. Yeah. A couple options what I can do, and I can sort of think about it. And then let I'm pissed I'm racking off to Tazzy on Saturday, but I'd like to sort of get things rolling a bit if I before then if I could. You know what I mean?\n\nI'm away for about three weeks. Yeah. That's fine. Yep. Yep.\n\nWhat we're up to. Yep. Yeah. Everything's the same, mate. No changes in the last few weeks.\n\nAll the same. So, yep, that's fine. Yep. That's fine. Yep.\n\nNo. That's okay. That's up that's up and down, mate. Let's not worry about that one. That's fine.\n\nWell, mate, I I guess so. They they are traveling okay, I think, aren't they? I've done a bit of homework. They said they're doing okay, don't they? Yep.\n\nYeah. I think just leave it at that. That's fine. Yep. Definitely.\n\nYep. Yep. Yeah. Right. Yes.\n\nYep. If you're not going, that'd be good. Yes. Actually, yep. Yep.\n\nYep. Yep. My portfolio at the moment is pretty aggressive, isn't it? I think we set it up like that. I think that hasn't been changed, so nothing's been sensible with you guys, I think.\n\nOkay. Yep. Okay. Yeah. Yep.\n\nI'm not gonna go down as much yet. Yep. What's that self managed what's that one? Sorry. What's the name?\n\nWhat's explain that to me, please. You what? Okay. Yep. So so this one's a this one's a more second one's a more hands on, like, we're up to date a lot more.\n\nAre we by the sounds of it? Is that right? Yep. I'm with you. Yeah.\n\nYeah. Okay. Yep. Yep. Yep.\n\nAnd then we're just losing time back and forth, aren't we really pretty much? It's just yeah. I know what you mean. Yep. So both basically, the second one's more of an auto.\n\nIt's more self as an auto, basically, sort of goes with the market, I guess. Yep. I probably like that idea better, to be honest. Is that what your is that what most clients are doing with you at the moment, that that idea, or what are they sort of oh, has it? Yeah.\n\nRight. Yeah. Right. Yeah. I have everything.\n\nYeah. And the world. Anyway, Yep. Oh, is it? Yep.\n\nOkay. Yeah. Every two, three, or six months. Yep. Okay.\n\nOkay. Okay. So all all about the same much and much, and I see it. Okay. Okay.\n\nI'm with you. Yeah. I'm with you. Yep. I probably like that idea the best out of it.\n\nBut anyway okay. That's the three options you got for me, the couple options you got for me pretty much. Please do. Yeah. Yep.\n\nYep. Okay. Yep. Okay. Yeah.\n\nI will definitely I'll I'll I'll definitely probably get on to buy tomorrow because I wanna get the thing rolling. So, yeah, my age, mate, my suit is not real crash hot. I've gotta start doing something about it now, basically. So I've just had it set set there, basically. I'm not doing nothing about it and getting a bit older.\n\nI thought I've gotta get on it. I gotta start doing something. You know what I mean? So, Look. I'm thinking about it.\n\nI'm wrapped up in crypto at the moment. That's down a fair bit anyway, but that'll come back. I haven't I haven't sold nothing. I don't intend to sell. I'm just waiting.\n\nBut I don't know. I just let's let's set something up first maybe, and then we can talk about that. So hopefully speaking, okay, if I was to put, like, $5 in, do the government still match that or not? They stop that? Was that tax deduct or anything like that?\n\nIs there any pros and cons there? Or yep. Yep. Yeah. Right.\n\nI'm with you. Right. Yep. Yeah. Okay.\n\nOkay. Right. That's how it works. Okay. Yep.\n\nOkay. Yep. Okay. Oh, okay. There's a rebate.\n\nYeah. Okay. Okay. Yep. Yep.\n\nOkay. Alright. Mate, yeah, send that out to me. I'll have a look at it. I'll definitely get back by by tomorrow or Friday at the latest and let you know.\n\nWhat are most people doing? I suppose everyone's different, obviously, aren't they? Preference in where I'm at with my super, I guess, how much I've got there and whatever my age and then I guess too. I I like that idea. That's with the m a one in SMA.\n\nSorry. Yeah. SMA. Okay. That's what I'm sort of leaning towards, but I'd like to do a bit more research and obviously have a look at it and read what you're presenting to me.\n\nNo. Yep. Okay. Yeah. Cool.\n\nYep. Yeah. Okay. Okay. What's my balance at the moment?\n\nAre you gonna open? No. I I'm too scared to look. Probably about a 180. Not much.\n\nYeah. There you go. Because this has bloody been a long crap. Yeah. Alright.\n\nYeah, mate. I can't remember. How long have I been how long have I been with you guys for? Can you tell me that? About four years?\n\nFive? Close to five. What did I have in there when I first started with you guys? It wasn't much either. I don't think.\n\nNo. No. I can check on that. That's fine. Yeah.\n\nI know. It just says that I can come back, really. Trump is tariffs. That's it. That's it.\n\nAlright, mate. Look. I appreciate your time. Send all that out to me. I'll get back to you definitely by the weekend.\n\nI'll give you an answer what I wanna do, and I'm happy just to correspond via email while I'm away if that's okay with you, or do we need to talk again? Or okay. Yep. Alright. Cool.\n\nLook. I'll read over it straight away then pretty much, and I'll get back to you as quick as I can. And how's that? Yeah. That's alright.\n\nNo. That's fine. I totally understand. It's alright. But, yeah, as long as I've got the SMA, that's what I'm sort of interested in.\n\nI'll do a bit of homework on that and check that one out. Yeah. Definitely. Cool. Okay.\n\nAlright. Cool. Alright, mate. Look. Thank you very much for your time.\n\nI appreciate it, and I'll be back with you shortly. Thanks, man. Bye. See you. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":1.68,"end":1.92,"sentiment":"neutral","sentiment_score":0.05889612436294556},{"text":"Hello.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.0641760304570198},{"text":"Jason speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.06358157657086849},{"text":"Good, mate.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.48689383268356323},{"text":"How are 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4300.","start":32.91,"end":36.130005,"sentiment":"neutral","sentiment_score":0.014403453469276429},{"text":"Yeah.","start":47.485,"end":47.685,"sentiment":"neutral","sentiment_score":-0.08357135951519012},{"text":"I think it was about now.","start":47.685,"end":48.925003,"sentiment":"neutral","sentiment_score":-0.1669915939370791},{"text":"I I contacted you a bit earlier to get to get out because I was going up, mate, and then it's totally going down.","start":48.925003,"end":54.285004,"sentiment":"neutral","sentiment_score":-0.22015498857945204}],"sentiment":"neutral","sentiment_score":-0.13413983968127033,"num_words":46,"start":30.67,"end":54.285004},{"sentences":[{"text":"I think it's sunk even more.","start":54.285004,"end":55.485,"sentiment":"negative","sentiment_score":-0.47389379143714905},{"text":"So I think it's time to jump the sink and ship myself on that 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yeah.","start":72.465004,"end":74.805,"sentiment":"neutral","sentiment_score":-0.14481617374853653},{"text":"Yeah.","start":79.105,"end":79.345,"sentiment":"neutral","sentiment_score":-0.05532015860080719},{"text":"Do you know?","start":79.345,"end":80.165,"sentiment":"neutral","sentiment_score":-0.11116854846477509},{"text":"Yeah.","start":92.649994,"end":92.89,"sentiment":"neutral","sentiment_score":0.06804744899272919}],"sentiment":"neutral","sentiment_score":-0.15916498488671071,"num_words":37,"start":68.785,"end":92.89},{"sentences":[{"text":"I did, mate.","start":92.89,"end":93.689995,"sentiment":"neutral","sentiment_score":0.17011155684789023},{"text":"I did definitely.","start":93.689995,"end":94.49,"sentiment":"neutral","sentiment_score":0.3098325530687968},{"text":"Yeah.","start":94.49,"end":94.729996,"sentiment":"neutral","sentiment_score":0.15229731798171997},{"text":"Definitely 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fine.","start":148.59999,"end":149.835,"sentiment":"neutral","sentiment_score":0.22209323570132256},{"text":"Yep.","start":156.315,"end":156.63501,"sentiment":"neutral","sentiment_score":0.04529585689306259},{"text":"That's fine.","start":156.63501,"end":157.535,"sentiment":"neutral","sentiment_score":0.03106093779206276},{"text":"Yep.","start":157.835,"end":158.335,"sentiment":"neutral","sentiment_score":-0.0004081459192093462}],"sentiment":"neutral","sentiment_score":0.12254347014293837,"num_words":11,"start":148.04,"end":158.335},{"sentences":[{"text":"No.","start":163.23001,"end":163.31,"sentiment":"neutral","sentiment_score":-0.09398292005062105},{"text":"That's okay.","start":163.31,"end":163.79001,"sentiment":"neutral","sentiment_score":-0.060122979804873466},{"text":"That's up that's up and down, mate.","start":163.79001,"end":165.07,"sentiment":"neutral","sentiment_score":-0.0790526909487588},{"text":"Let's not worry about that 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you're not going, that'd be good.","start":250.95,"end":252.23,"sentiment":"neutral","sentiment_score":0.07369577192834445},{"text":"Yes.","start":252.23,"end":252.55,"sentiment":"neutral","sentiment_score":0.16443964838981628},{"text":"Actually, yep.","start":252.55,"end":253.35,"sentiment":"neutral","sentiment_score":0.13408832252025604},{"text":"Yep.","start":253.35,"end":253.85,"sentiment":"neutral","sentiment_score":0.022140473127365112}],"sentiment":"neutral","sentiment_score":0.08640884514898062,"num_words":12,"start":235.285,"end":253.85},{"sentences":[{"text":"Yep.","start":261.225,"end":261.725,"sentiment":"neutral","sentiment_score":0.1889056861400604},{"text":"Yep.","start":279.63998,"end":280.13998,"sentiment":"neutral","sentiment_score":0.10775335133075714},{"text":"My portfolio at the moment is pretty aggressive, isn't it?","start":308.23,"end":311.11002,"sentiment":"neutral","sentiment_score":-0.18141307905316353},{"text":"I think we set it up like 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think.","start":312.39,"end":315.69,"sentiment":"neutral","sentiment_score":-0.3307736257712046}],"sentiment":"neutral","sentiment_score":-0.21331540857042586,"num_words":35,"start":261.225,"end":315.69},{"sentences":[{"text":"Okay.","start":331.74,"end":332.24,"sentiment":"neutral","sentiment_score":-0.25560861825942993},{"text":"Yep.","start":332.46,"end":332.96,"sentiment":"neutral","sentiment_score":-0.14169645309448242},{"text":"Okay.","start":343.09998,"end":343.59998,"sentiment":"neutral","sentiment_score":-0.14682096242904663},{"text":"Yeah.","start":343.74,"end":344.24,"sentiment":"neutral","sentiment_score":-0.07769855111837387},{"text":"Yep.","start":345.785,"end":346.285,"sentiment":"neutral","sentiment_score":0.0663800984621048}],"sentiment":"neutral","sentiment_score":-0.11108889728784561,"num_words":5,"start":331.74,"end":346.285},{"sentences":[{"text":"I'm not gonna go down as much yet.","start":360.96002,"end":362.9,"sentiment":"neutral","sentiment_score":0.03475734917446971},{"text":"Yep.","start":383.695,"end":383.935,"sentiment":"neutral","sentiment_score":0.08357623219490051},{"text":"What's that self managed what's that one?","start":383.935,"end":385.775,"sentiment":"neutral","sentiment_score":0.043901068823678155},{"text":"Sorry.","start":385.775,"end":386.015,"sentiment":"neutral","sentiment_score":-0.016669007018208504},{"text":"What's the name?","start":386.015,"end":386.495,"sentiment":"neutral","sentiment_score":-0.014650202977160612}],"sentiment":"neutral","sentiment_score":0.030416144570335747,"num_words":20,"start":360.96002,"end":386.495},{"sentences":[{"text":"What's explain that to me, please.","start":386.495,"end":387.78,"sentiment":"neutral","sentiment_score":-0.002683959590891997},{"text":"You what?","start":390.98,"end":391.56,"sentiment":"neutral","sentiment_score":0.06425607204437256},{"text":"Okay.","start":400.67502,"end":401.17502,"sentiment":"neutral","sentiment_score":0.11843375116586684},{"text":"Yep.","start":401.39502,"end":401.89502,"sentiment":"neutral","sentiment_score":0.19671198725700376},{"text":"So so this one's a this one's a more second one's a more hands on, like, we're up to date a lot more.","start":442.225,"end":446.69,"sentiment":"neutral","sentiment_score":0.02590750817857359}],"sentiment":"neutral","sentiment_score":0.031012933729498676,"num_words":33,"start":386.495,"end":446.69},{"sentences":[{"text":"Are we by the sounds of it?","start":446.69,"end":447.81,"sentiment":"neutral","sentiment_score":0.040080873029572625},{"text":"Is that right?","start":447.81,"end":448.63,"sentiment":"neutral","sentiment_score":0.05016990005970001},{"text":"Yep.","start":456.13,"end":456.45,"sentiment":"neutral","sentiment_score":-0.11791114509105682},{"text":"I'm with you.","start":456.45,"end":457.35,"sentiment":"neutral","sentiment_score":-0.0987316444516182},{"text":"Yeah.","start":460.655,"end":461.13498,"sentiment":"neutral","sentiment_score":0.004614878445863724}],"sentiment":"neutral","sentiment_score":0.0014389740924040477,"num_words":15,"start":446.69,"end":461.13498},{"sentences":[{"text":"Yeah.","start":461.13498,"end":461.63498,"sentiment":"neutral","sentiment_score":0.026661844924092293},{"text":"Okay.","start":462.095,"end":462.595,"sentiment":"neutral","sentiment_score":0.023643800988793373},{"text":"Yep.","start":462.655,"end":462.895,"sentiment":"neutral","sentiment_score":0.01808052882552147},{"text":"Yep.","start":462.895,"end":463.395,"sentiment":"neutral","sentiment_score":0.021397024393081665},{"text":"Yep.","start":468.735,"end":469.235,"sentiment":"neutral","sentiment_score":0.05688022822141647}],"sentiment":"neutral","sentiment_score":0.029332685470581054,"num_words":5,"start":461.13498,"end":469.235},{"sentences":[{"text":"And then we're just losing time back and forth, aren't we really pretty much?","start":475.88998,"end":479.16998,"sentiment":"neutral","sentiment_score":-0.1392756426440818},{"text":"It's just yeah.","start":479.16998,"end":479.88998,"sentiment":"neutral","sentiment_score":-0.009561135744055113},{"text":"I know what you mean.","start":479.88998,"end":480.94998,"sentiment":"neutral","sentiment_score":0.040674961358308795},{"text":"Yep.","start":483.00998,"end":483.50998,"sentiment":"neutral","sentiment_score":0.02472122572362423},{"text":"So both basically, the second one's more of an auto.","start":486.13,"end":488.37,"sentiment":"neutral","sentiment_score":0.03469713442027569}],"sentiment":"neutral","sentiment_score":-0.042529546288829864,"num_words":33,"start":475.88998,"end":488.37},{"sentences":[{"text":"It's more self as an auto, basically, sort of goes with the market, I 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it?","start":502.225,"end":511.2,"sentiment":"neutral","sentiment_score":-0.05148983891454658},{"text":"Yeah.","start":511.2,"end":511.52,"sentiment":"neutral","sentiment_score":0.020406052470207214}],"sentiment":"neutral","sentiment_score":-0.006897333897305308,"num_words":54,"start":488.37,"end":511.52},{"sentences":[{"text":"Right.","start":511.52,"end":512.02,"sentiment":"neutral","sentiment_score":0.03690136224031448},{"text":"Yeah.","start":516.24,"end":516.64,"sentiment":"neutral","sentiment_score":0.03169232979416847},{"text":"Right.","start":516.64,"end":517.14,"sentiment":"neutral","sentiment_score":0.04725324735045433},{"text":"Yeah.","start":525.075,"end":525.575,"sentiment":"neutral","sentiment_score":0.16054046154022217},{"text":"I have everything.","start":525.715,"end":527.09503,"sentiment":"neutral","sentiment_score":0.1233961855371793}],"sentiment":"neutral","sentiment_score":0.09236799393381391,"num_words":7,"start":511.52,"end":527.09503},{"sentences":[{"text":"Yeah.","start":528.755,"end":529.23505,"sentiment":"neutral","sentiment_score":0.1094563603401184},{"text":"And the world.","start":529.23505,"end":530.055,"sentiment":"neutral","sentiment_score":0.09067155917485555},{"text":"Anyway, Yep.","start":530.115,"end":534.48,"sentiment":"neutral","sentiment_score":0.09863492101430893},{"text":"Oh, is 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back.","start":669.86,"end":671.86,"sentiment":"neutral","sentiment_score":-0.1524766944348812},{"text":"I haven't I haven't sold nothing.","start":671.86,"end":673.4,"sentiment":"negative","sentiment_score":-0.371438389023145},{"text":"I don't intend to sell.","start":673.7,"end":674.58,"sentiment":"negative","sentiment_score":-0.42241554260253905},{"text":"I'm just waiting.","start":674.58,"end":675.4,"sentiment":"neutral","sentiment_score":-0.2265107383330663}],"sentiment":"neutral","sentiment_score":-0.2312336063478142,"num_words":32,"start":668.5,"end":675.4},{"sentences":[{"text":"But I don't know.","start":676.98004,"end":677.7,"sentiment":"neutral","sentiment_score":-0.08825402520596981},{"text":"I just let's let's set something up first maybe, and then we can talk about that.","start":677.7,"end":683.26495,"sentiment":"neutral","sentiment_score":-0.03518200039980002},{"text":"So hopefully speaking, okay, if I was to put, like, $5 in, do the government still match that or not?","start":683.64496,"end":689.26495,"sentiment":"neutral","sentiment_score":-0.02932166224345565},{"text":"They stop that?","start":691.165,"end":691.805,"sentiment":"neutral","sentiment_score":-0.06984787434339523},{"text":"Was that tax deduct or anything like that?","start":691.805,"end":693.325,"sentiment":"neutral","sentiment_score":-0.09213623404502869}],"sentiment":"neutral","sentiment_score":-0.04801950681333741,"num_words":51,"start":676.98004,"end":693.325},{"sentences":[{"text":"Is there any pros and cons there?","start":693.325,"end":695.22,"sentiment":"neutral","sentiment_score":-0.10570286107914788},{"text":"Or yep.","start":695.22,"end":700.48004,"sentiment":"neutral","sentiment_score":-0.09576661512255669},{"text":"Yep.","start":702.38,"end":702.88,"sentiment":"neutral","sentiment_score":0.09068012237548828},{"text":"Yeah.","start":709.72504,"end":710.125,"sentiment":"neutral","sentiment_score":0.05191920697689056},{"text":"Right.","start":710.125,"end":710.445,"sentiment":"neutral","sentiment_score":0.08981388062238693}],"sentiment":"neutral","sentiment_score":-0.05825333731869856,"num_words":12,"start":693.325,"end":710.445},{"sentences":[{"text":"I'm with you.","start":710.445,"end":711.265,"sentiment":"neutral","sentiment_score":0.029789345959822338},{"text":"Right.","start":719.005,"end":719.405,"sentiment":"neutral","sentiment_score":0.1473582088947296},{"text":"Yep.","start":719.405,"end":719.905,"sentiment":"neutral","sentiment_score":0.03887318819761276},{"text":"Yeah.","start":721.405,"end":721.885,"sentiment":"neutral","sentiment_score":0.04755542427301407},{"text":"Okay.","start":721.885,"end":722.385,"sentiment":"neutral","sentiment_score":0.09372223913669586}],"sentiment":"neutral","sentiment_score":0.0595538711973599,"num_words":7,"start":710.445,"end":722.385},{"sentences":[{"text":"Okay.","start":723.27,"end":723.77,"sentiment":"neutral","sentiment_score":0.09999137371778488},{"text":"Right.","start":738.835,"end":739.335,"sentiment":"neutral","sentiment_score":0.05489325895905495},{"text":"That's how it works.","start":740.515,"end":741.315,"sentiment":"neutral","sentiment_score":0.14126480324193835},{"text":"Okay.","start":741.315,"end":741.635,"sentiment":"neutral","sentiment_score":0.17723369598388672},{"text":"Yep.","start":741.635,"end":742.03503,"sentiment":"neutral","sentiment_score":0.19825822114944455}],"sentiment":"neutral","sentiment_score":0.13692947034724057,"num_words":8,"start":723.27,"end":742.03503},{"sentences":[{"text":"Okay.","start":742.03503,"end":742.275,"sentiment":"neutral","sentiment_score":0.19248570501804352},{"text":"Yep.","start":742.275,"end":742.775,"sentiment":"neutral","sentiment_score":0.2590274214744568},{"text":"Okay.","start":762.71,"end":763.21,"sentiment":"neutral","sentiment_score":0.18448853492736816},{"text":"Oh, okay.","start":763.43,"end":763.91,"sentiment":"neutral","sentiment_score":0.15881362557411194},{"text":"There's a rebate.","start":763.91,"end":764.71,"sentiment":"neutral","sentiment_score":0.15849200884501138}],"sentiment":"neutral","sentiment_score":0.17863811738789082,"num_words":8,"start":742.03503,"end":764.71},{"sentences":[{"text":"Yeah.","start":764.71,"end":764.95,"sentiment":"neutral","sentiment_score":0.1776658594608307},{"text":"Okay.","start":764.95,"end":765.19,"sentiment":"neutral","sentiment_score":0.14082413911819458},{"text":"Okay.","start":765.19,"end":765.69,"sentiment":"neutral","sentiment_score":0.12489879876375198},{"text":"Yep.","start":766.545,"end":767.045,"sentiment":"neutral","sentiment_score":0.19830070436000824},{"text":"Yep.","start":769.825,"end":770.325,"sentiment":"neutral","sentiment_score":0.2821955680847168}],"sentiment":"neutral","sentiment_score":0.18477701395750046,"num_words":5,"start":764.71,"end":770.325},{"sentences":[{"text":"Okay.","start":775.905,"end":776.405,"sentiment":"neutral","sentiment_score":0.15861055254936218},{"text":"Alright.","start":778.465,"end":778.965,"sentiment":"neutral","sentiment_score":0.2692573070526123},{"text":"Mate, yeah, send that out to me.","start":779.34503,"end":781.11,"sentiment":"neutral","sentiment_score":0.26371672110898153},{"text":"I'll have a look at it.","start":781.11,"end":781.83,"sentiment":"neutral","sentiment_score":0.3257233103116353},{"text":"I'll definitely get back by by tomorrow or Friday at the latest and let you know.","start":781.83,"end":787.05,"sentiment":"positive","sentiment_score":0.4194162767380476}],"sentiment":"positive","sentiment_score":0.35286726442075544,"num_words":31,"start":775.905,"end":787.05},{"sentences":[{"text":"What are most people doing?","start":788.23004,"end":789.59,"sentiment":"neutral","sentiment_score":0.13158342465758324},{"text":"I suppose everyone's different, obviously, aren't they?","start":789.59,"end":791.61,"sentiment":"neutral","sentiment_score":-0.050500155825700076},{"text":"Preference in where I'm at with my super, I guess, how much I've got there and whatever my age and then I guess too.","start":795.08496,"end":802.605,"sentiment":"neutral","sentiment_score":-0.015445307595655322},{"text":"I I like that idea.","start":802.605,"end":807.565,"sentiment":"positive","sentiment_score":0.37040475010871887},{"text":"That's with the m a one in SMA.","start":807.565,"end":811.79,"sentiment":"neutral","sentiment_score":0.02974722086219117}],"sentiment":"neutral","sentiment_score":0.04130061566639615,"num_words":49,"start":788.23004,"end":811.79},{"sentences":[{"text":"Sorry.","start":811.79,"end":812.11,"sentiment":"neutral","sentiment_score":-0.010511881671845911},{"text":"Yeah.","start":812.11,"end":812.43,"sentiment":"neutral","sentiment_score":0.014764292165637016},{"text":"SMA.","start":812.43,"end":812.93,"sentiment":"neutral","sentiment_score":0.01415030937641859},{"text":"Okay.","start":813.15,"end":813.47,"sentiment":"neutral","sentiment_score":0.056297872215509415},{"text":"That's what I'm sort of leaning towards, but I'd like to do a bit more research and obviously have a look at it and read what you're presenting to me.","start":813.47,"end":819.73,"sentiment":"neutral","sentiment_score":0.1340831384062767}],"sentiment":"neutral","sentiment_score":0.1205057277727653,"num_words":34,"start":811.79,"end":819.73},{"sentences":[{"text":"No.","start":824.655,"end":825.155,"sentiment":"neutral","sentiment_score":0.0017933398485183716},{"text":"Yep.","start":825.775,"end":826.275,"sentiment":"neutral","sentiment_score":0.06888678669929504},{"text":"Okay.","start":831.375,"end":831.875,"sentiment":"neutral","sentiment_score":0.08393145352602005},{"text":"Yeah.","start":832.255,"end":832.575,"sentiment":"neutral","sentiment_score":0.252052903175354},{"text":"Cool.","start":832.575,"end":833.075,"sentiment":"positive","sentiment_score":0.35260748863220215}],"sentiment":"neutral","sentiment_score":0.15185439437627793,"num_words":5,"start":824.655,"end":833.075},{"sentences":[{"text":"Yep.","start":840.51,"end":841.01,"sentiment":"neutral","sentiment_score":0.03770336136221886},{"text":"Yeah.","start":855.01495,"end":855.33496,"sentiment":"neutral","sentiment_score":0.008912909775972366},{"text":"Okay.","start":855.33496,"end":855.735,"sentiment":"neutral","sentiment_score":0.017336921766400337},{"text":"Okay.","start":855.735,"end":856.21497,"sentiment":"neutral","sentiment_score":0.01442304626107216},{"text":"What's my balance at the moment?","start":856.21497,"end":857.255,"sentiment":"neutral","sentiment_score":0.005607717515279849}],"sentiment":"neutral","sentiment_score":0.011202254425734281,"num_words":10,"start":840.51,"end":857.255},{"sentences":[{"text":"Are you gonna open?","start":857.255,"end":857.975,"sentiment":"neutral","sentiment_score":-0.010602175258100033},{"text":"No.","start":857.975,"end":858.13495,"sentiment":"neutral","sentiment_score":-0.2159748077392578},{"text":"I I'm too scared to look.","start":858.13495,"end":859.51495,"sentiment":"neutral","sentiment_score":-0.2451943283279737},{"text":"Probably about a 180.","start":859.89496,"end":861.27496,"sentiment":"neutral","sentiment_score":-0.051516905426979065},{"text":"Not much.","start":862.69495,"end":863.435,"sentiment":"neutral","sentiment_score":-0.08269364386796951}],"sentiment":"neutral","sentiment_score":-0.12358849342255031,"num_words":17,"start":857.255,"end":863.435},{"sentences":[{"text":"Yeah.","start":867.57495,"end":867.89496,"sentiment":"neutral","sentiment_score":-0.05037890747189522},{"text":"There you go.","start":867.89496,"end":868.795,"sentiment":"neutral","sentiment_score":-0.16636382043361664},{"text":"Because this has bloody been a long crap.","start":869.13,"end":870.81,"sentiment":"negative","sentiment_score":-0.6389364972710609},{"text":"Yeah.","start":870.81,"end":871.21,"sentiment":"neutral","sentiment_score":-0.14623412489891052},{"text":"Alright.","start":871.21,"end":871.71,"sentiment":"neutral","sentiment_score":-0.07732310891151428}],"sentiment":"negative","sentiment_score":-0.42032282719654696,"num_words":14,"start":867.57495,"end":871.71},{"sentences":[{"text":"Yeah, mate.","start":877.61,"end":878.17004,"sentiment":"neutral","sentiment_score":-0.06498108059167862},{"text":"I can't remember.","start":878.17004,"end":879.07,"sentiment":"neutral","sentiment_score":-0.06338293105363846},{"text":"How long have I been how long have I been with you guys for?","start":879.37,"end":881.29004,"sentiment":"neutral","sentiment_score":-0.009517081347959382},{"text":"Can you tell me that?","start":881.29004,"end":882.43,"sentiment":"neutral","sentiment_score":-0.012684144079685211},{"text":"About four years?","start":882.57,"end":883.515,"sentiment":"neutral","sentiment_score":-0.012592412220935026}],"sentiment":"neutral","sentiment_score":-0.020538816676923522,"num_words":27,"start":877.61,"end":883.515},{"sentences":[{"text":"Five?","start":887.995,"end":888.235,"sentiment":"neutral","sentiment_score":-0.004368260502815247},{"text":"Close to five.","start":888.235,"end":889.135,"sentiment":"neutral","sentiment_score":-0.009449521700541178},{"text":"What did I have in there when I first started with you guys?","start":890.715,"end":892.635,"sentiment":"neutral","sentiment_score":-0.02753895693100416},{"text":"It wasn't much either.","start":892.635,"end":893.435,"sentiment":"neutral","sentiment_score":-0.21903275325894356},{"text":"I don't think.","start":893.435,"end":894.175,"sentiment":"neutral","sentiment_score":-0.16048053403695425}],"sentiment":"neutral","sentiment_score":-0.07284566170225541,"num_words":24,"start":887.995,"end":894.175},{"sentences":[{"text":"No.","start":894.955,"end":895.275,"sentiment":"neutral","sentiment_score":-0.13492657244205475},{"text":"No.","start":895.275,"end":895.435,"sentiment":"neutral","sentiment_score":-0.15189002454280853},{"text":"I can check on that.","start":895.435,"end":896.47504,"sentiment":"neutral","sentiment_score":-0.09651107639074326},{"text":"That's fine.","start":896.47504,"end":897.21,"sentiment":"neutral","sentiment_score":-0.050152016803622246},{"text":"Yeah.","start":900.01,"end":900.33,"sentiment":"neutral","sentiment_score":-0.11274626851081848}],"sentiment":"neutral","sentiment_score":-0.09824222810566426,"num_words":10,"start":894.955,"end":900.33},{"sentences":[{"text":"I know.","start":900.33,"end":900.81,"sentiment":"neutral","sentiment_score":-0.06593018025159836},{"text":"It just says that I can come back, really.","start":900.81,"end":902.67004,"sentiment":"neutral","sentiment_score":-0.11618864453501171},{"text":"Trump is tariffs.","start":907.05005,"end":908.03,"sentiment":"neutral","sentiment_score":-0.16655118763446808},{"text":"That's it.","start":911.21,"end":911.77,"sentiment":"neutral","sentiment_score":-0.12355547770857811},{"text":"That's it.","start":911.77,"end":912.67004,"sentiment":"neutral","sentiment_score":-0.06155363842844963}],"sentiment":"neutral","sentiment_score":-0.113746108694209,"num_words":18,"start":900.33,"end":912.67004},{"sentences":[{"text":"Alright, mate.","start":912.97003,"end":913.585,"sentiment":"neutral","sentiment_score":0.233547642827034},{"text":"Look.","start":913.585,"end":913.665,"sentiment":"positive","sentiment_score":0.4836218059062958},{"text":"I appreciate your time.","start":913.665,"end":914.465,"sentiment":"positive","sentiment_score":0.674177348613739},{"text":"Send all that out to me.","start":914.465,"end":915.345,"sentiment":"positive","sentiment_score":0.5823222200075785},{"text":"I'll get back to you definitely by the weekend.","start":915.345,"end":916.785,"sentiment":"positive","sentiment_score":0.4486909674273597}],"sentiment":"positive","sentiment_score":0.5081626596775922,"num_words":22,"start":912.97003,"end":916.785},{"sentences":[{"text":"I'll give you an answer what I wanna do, and I'm happy just to correspond via email while I'm away if that's okay with you, or do we need to talk again?","start":916.785,"end":924.465,"sentiment":"neutral","sentiment_score":0.32621061662212014},{"text":"Or okay.","start":924.465,"end":929.63,"sentiment":"neutral","sentiment_score":0.13318410888314247},{"text":"Yep.","start":930.88995,"end":931.38995,"sentiment":"neutral","sentiment_score":0.19009284675121307},{"text":"Alright.","start":934.88995,"end":935.29,"sentiment":"neutral","sentiment_score":0.2612149715423584},{"text":"Cool.","start":935.29,"end":935.52997,"sentiment":"positive","sentiment_score":0.369732528924942}],"sentiment":"neutral","sentiment_score":0.311517521537639,"num_words":37,"start":916.785,"end":935.52997},{"sentences":[{"text":"Look.","start":935.52997,"end":935.61,"sentiment":"neutral","sentiment_score":0.28283077478408813},{"text":"I'll read over it straight away then pretty much, and I'll get back to you as quick as I can.","start":935.61,"end":938.64996,"sentiment":"neutral","sentiment_score":0.273144967854023},{"text":"And how's that?","start":938.64996,"end":939.47,"sentiment":"neutral","sentiment_score":0.13026892890532812},{"text":"Yeah.","start":945.765,"end":946.265,"sentiment":"neutral","sentiment_score":0.0802086591720581},{"text":"That's alright.","start":947.36505,"end":948.185,"sentiment":"neutral","sentiment_score":0.01558925025165081}],"sentiment":"neutral","sentiment_score":0.23140459549095896,"num_words":27,"start":935.52997,"end":948.185},{"sentences":[{"text":"No.","start":949.92505,"end":950.16504,"sentiment":"neutral","sentiment_score":-0.05551309511065483},{"text":"That's fine.","start":950.16504,"end":950.48505,"sentiment":"neutral","sentiment_score":0.011183376424014568},{"text":"I totally understand.","start":950.48505,"end":950.92505,"sentiment":"neutral","sentiment_score":0.08852170904477437},{"text":"It's alright.","start":950.92505,"end":951.36505,"sentiment":"neutral","sentiment_score":0.06107831746339798},{"text":"But, yeah, as long as I've got the SMA, that's what I'm sort of interested in.","start":951.36505,"end":954.16504,"sentiment":"neutral","sentiment_score":0.06321456003934145}],"sentiment":"neutral","sentiment_score":0.056917015851164855,"num_words":24,"start":949.92505,"end":954.16504},{"sentences":[{"text":"I'll do a bit of homework on that and check that one out.","start":954.16504,"end":956.51,"sentiment":"neutral","sentiment_score":0.10357302771164821},{"text":"Yeah.","start":956.57,"end":956.73,"sentiment":"neutral","sentiment_score":0.185786634683609},{"text":"Definitely.","start":956.73,"end":957.23,"sentiment":"neutral","sentiment_score":0.31785082817077637},{"text":"Cool.","start":957.93,"end":958.43,"sentiment":"positive","sentiment_score":0.3639136850833893},{"text":"Okay.","start":966.97003,"end":967.47003,"sentiment":"neutral","sentiment_score":0.11983703821897508}],"sentiment":"neutral","sentiment_score":0.13728456155342214,"num_words":17,"start":954.16504,"end":967.47003},{"sentences":[{"text":"Alright.","start":970.57,"end":971.05,"sentiment":"neutral","sentiment_score":0.10802268236875534},{"text":"Cool.","start":971.05,"end":971.535,"sentiment":"positive","sentiment_score":0.5704400539398193},{"text":"Alright, mate.","start":971.69495,"end":972.01495,"sentiment":"positive","sentiment_score":0.46005357801914215},{"text":"Look.","start":972.01495,"end":972.175,"sentiment":"positive","sentiment_score":0.35920414328575134},{"text":"Thank you very much for your time.","start":972.175,"end":973.055,"sentiment":"positive","sentiment_score":0.8247857434409005}],"sentiment":"positive","sentiment_score":0.6442728533099095,"num_words":12,"start":970.57,"end":973.055},{"sentences":[{"text":"I appreciate it, and I'll be back with you shortly.","start":973.055,"end":975.235,"sentiment":"positive","sentiment_score":0.7221245348453522},{"text":"Thanks, man.","start":977.855,"end":978.415,"sentiment":"positive","sentiment_score":0.7037998735904694},{"text":"Bye.","start":978.415,"end":978.65497,"sentiment":"positive","sentiment_score":0.49480074644088745},{"text":"See you.","start":978.65497,"end":979.055,"sentiment":"positive","sentiment_score":0.529312938451767},{"text":"Bye.","start":979.055,"end":979.555,"sentiment":"neutral","sentiment_score":0.32240015268325806}],"sentiment":"positive","sentiment_score":0.6565419919788837,"num_words":16,"start":973.055,"end":979.555}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Yeah. Hello. Jason speaking.\n\nChannel 0: Good afternoon, Jason. It's Carl calling from Financial. How are you today?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: Yeah. Not too bad, Bill. Thanks for asking. I just scheduled\n\nChannel 1: Awesome.\n\nChannel 0: in for that bit of a catch up.\n\nChannel 1: Yeah. Yeah. Cool. Yeah. Sorry I missed your call last week.\n\nAnyway, all good.\n\nChannel 0: No. No. That's perfectly fine. Under understandable. You're a busy man.\n\nJust to jump into that one, Jason, I do have to let you know these calls are recorded for that quality and training purposes. And if\n\nChannel 1: Yep.\n\nChannel 0: I could just pass you through security, just that name, date of birth, and current address, we'll get stuck into\n\nChannel 1: Yeah. Jason from you. Date of birth, twenty eight zero four nineteen seventy two. 102 Sharpless Road, Springfield 4300.\n\nChannel 0: it. Brilliant. Thanks for that one, Jason. Now I know that originally we had the conversation. We're gonna leave it a little bit.\n\nAnd I think around now is when we're gonna touch base anyway just to see how things are traveling\n\nChannel 1: Yeah. I think it was about now. I I contacted you a bit earlier\n\nChannel 0: a little\n\nChannel 1: to get\n\nChannel 0: bit earlier.\n\nChannel 1: to get out because I was going up, mate, and then it's totally going down. I think it's sunk even more. So I think it's time to jump the sink and ship myself\n\nChannel 0: Yeah. Yeah. No. I completely\n\nChannel 1: on\n\nChannel 0: understand\n\nChannel 1: that one.\n\nChannel 0: what\n\nChannel 1: Yeah. I've been watching it a bit. So, yeah, thanks for that.\n\nChannel 0: yeah. Not not a problem. Yeah. As a a business decision as well, we we are moving away from that. I think I might have mentioned\n\nChannel 1: You\n\nChannel 0: that\n\nChannel 1: did\n\nChannel 0: earlier\n\nChannel 1: mention that\n\nChannel 0: as\n\nChannel 1: you didn't\n\nChannel 0: well.\n\nChannel 1: know your clients\n\nChannel 0: Yeah.\n\nChannel 1: out of it, so, yeah, I probably should have jumped off it. I will just wait and see what happens, but I'll yeah.\n\nChannel 0: And, look, given that you had a higher allocation more than most in that,\n\nChannel 1: Yeah. Do\n\nChannel 0: it\n\nChannel 1: you\n\nChannel 0: wasn't\n\nChannel 1: know?\n\nChannel 0: yeah. Because you I'm not too sure, like, the original conversation you had with the adviser when you originally put the portfolio together, but you had a little bit more active managed risk with about, like, 30% of that been long. So it obviously impacts your portfolio.\n\nChannel 1: Yeah. I did, mate. I did definitely. Yeah. Definitely say.\n\nYeah.\n\nChannel 0: But, yeah, with that, obviously, doing the update, I did reply on that email. I did get them to do the research. So I do have, like, a few figures I can sort of run over with\n\nChannel 1: Yeah.\n\nChannel 0: you and\n\nChannel 1: Yeah.\n\nChannel 0: sort of how you wanna move going\n\nChannel 1: A couple\n\nChannel 0: forward.\n\nChannel 1: options what I can do, and I can sort of think about it. And then let I'm pissed I'm racking off to Tazzy on Saturday, but I'd like to sort of get things rolling a bit if I before then if I could. You know what I mean? I'm\n\nChannel 0: Yep.\n\nChannel 1: away for\n\nChannel 0: Yep.\n\nChannel 1: about three weeks.\n\nChannel 0: Yep. And even then, I can send you the doc and give you a quick call and overview, and you can same thing can review it in your your time if you can, like,\n\nChannel 1: Yeah.\n\nChannel 0: while\n\nChannel 1: That's\n\nChannel 0: you're away\n\nChannel 1: fine.\n\nChannel 0: even.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Obviously, I've just gotta touch on the key points, and we do\n\nChannel 1: What\n\nChannel 0: send\n\nChannel 1: we're\n\nChannel 0: those\n\nChannel 1: up\n\nChannel 0: off.\n\nChannel 1: to. Yep.\n\nChannel 0: Yep. Just before I jump into anything else, though, as far as, like, your current status there with your details, like assets, liabilities, role, you're still doing the same sort of work?\n\nChannel 1: Yeah. Everything's the same, mate. No changes in the last few weeks. All the same. So, yep, that's fine.\n\nChannel 0: Perfect, brilliant. And then are you still happy keeping your income just to your carrier driver sort\n\nChannel 1: Yep.\n\nChannel 0: of store\n\nChannel 1: That's\n\nChannel 0: person?\n\nChannel 1: fine.\n\nChannel 0: Because I know\n\nChannel 1: Yep.\n\nChannel 0: you do the metal work on the side as well and that sort of changes, but we don't really have a set income for that.\n\nChannel 1: No. That's okay. That's up that's up and down, mate. Let's not worry about that one. That's fine.\n\nChannel 0: Too easy. And then as far as the advice document's concerned, because, obviously, we're mainly just touching on the investment side of things. Are you happy with Hub 24 as a platform and things like that as well? Are you happy for just to be the investment\n\nChannel 1: Well,\n\nChannel 0: update?\n\nChannel 1: mate,\n\nChannel 0: Or\n\nChannel 1: I I guess so. They they are traveling okay, I think, aren't they? I've done a bit of homework. They said they're doing okay, don't they?\n\nChannel 0: yeah. As a a comparable in the market, there are, like, a few cheaper alternatives, but then you still lose out on some of the features that Hub does have. They do have, like, aggregate trading and few other features that other cheaper options don't have. So compared in the market and retail platforms, they're still quite competitive in what they offer for the price you're\n\nChannel 1: Yep.\n\nChannel 0: paying, if that makes sense.\n\nChannel 1: Yeah. I think just leave it at that. That's fine. Yep. Definitely.\n\nChannel 0: Perfect. So\n\nChannel 1: Yep.\n\nChannel 0: we'll just look at doing that investment update then. Obviously, if things do change, we can obviously look at different things in the the future there.\n\nChannel 1: Yep.\n\nChannel 0: But in regards to that one, there so the few options I sort of got them to do up there for you is this because you're in quite one of the older portfolios anyway there, like, around the pre you know, around the COVID time. So probably\n\nChannel 1: Yeah.\n\nChannel 0: due\n\nChannel 1: Right.\n\nChannel 0: for an update even if, you\n\nChannel 1: Yes.\n\nChannel 0: know, it didn't occur with the Benelon. But\n\nChannel 1: Yep.\n\nChannel 0: keep that in saying that you do have quite a significant portion to an active investment. Now we can look to move forward and have no active investment and just go passive. It comes at a lower cost there, and I can even draw this up in a little bit of a a strategy type paper there for you\n\nChannel 1: If you're not\n\nChannel 0: just\n\nChannel 1: going,\n\nChannel 0: to show\n\nChannel 1: that'd be good. Yes. Actually,\n\nChannel 0: yeah.\n\nChannel 1: yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: I can have a quick chat about them now, and you can give something to think about. I can send you that, like, sort of strategy paper document, a few different options.\n\nChannel 1: Yep.\n\nChannel 0: So in regards to that that passive option there that aims to just track the indexes, it comes at a lot of a cheaper investment cost. You're just tracking what the markets are doing. And then with that, you don't have the potential to outperform the market, which is what those fund managers do. Obviously, Benelong hasn't lived up to the name, and they didn't do quite well at all.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that, there is the option to go in a more passive investment where you do just carry the indexes in those exchange traded funds that aim to just try and track those and how they are performing. We can also look at updating it with an active portion and having, you know, a core of it being the passive side of things to track those indexes, much sort of like you have in your current portfolio, but your current portfolio is also quite a bit tech heavy, then I would preferably\n\nChannel 1: My\n\nChannel 0: like\n\nChannel 1: portfolio at the moment is pretty aggressive, isn't it? I think we set it up like that. I think that hasn't been changed, so nothing's been sensible with you guys, I think.\n\nChannel 0: yeah. So being in the a high growth options, about that ninety ten split. Now with the passive and also the alternative there as well, we can aim to sort of carry that as well, but you'd have the main thing in that one, you've got that manager risk, which is what's caused a lot of your fluctuations and also the\n\nChannel 1: Okay.\n\nChannel 0: downturn with that\n\nChannel 1: Yep.\n\nChannel 0: Benelon given that that's a higher allocation. It's not to say that when you move across your past investment and have that ninety ten split that you carry as much risk because you didn't\n\nChannel 1: Okay.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: the the manager risk. And\n\nChannel 1: Yep.\n\nChannel 0: then also we can look at just reducing that manager risk and having a smaller allocation towards an active portion within the portfolio. They're still aim for trying to outperform the market a little bit, but a low percentage sort of around that 15% where if it does sort of not perform as well, it doesn't affect\n\nChannel 1: I'm not\n\nChannel 0: your\n\nChannel 1: gonna\n\nChannel 0: balance.\n\nChannel 1: go down as much yet.\n\nChannel 0: Yep. So with that, I'm as I can't pertain to what, like, sort of original conversation you had in trying to to, you know, get those more aggressive higher returns with those managed funds and the amount that you had in it, but we can look at reducing that moving forward. The other option there is is we've started an SMA. So with an SMA\n\nChannel 1: Yep. What's that self managed what's that one? Sorry. What's the name? What's explain that to me, please.\n\nChannel 0: yeah. Not a problem. So it's a separately managed account. So\n\nChannel 1: You what?\n\nChannel 0: with that, we would be recommending and this portfolio and is managed not only by Oakview but also by BlackRock in a partnership there\n\nChannel 1: Okay.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: So with that, between the investment committee here and the BlackRock investment committee, they've built a portfolio that becomes a lot more flexible. So what you do is you buy into the the SMA or the separately managed account. And then you have a little less transparency in terms of what investments you have because they can change those underlying investments throughout the years to be a little bit more flexible moving forward to change for things like markets. It doesn't actually have a active managed portion in the like, in it in the moment, but what it does have is actively managed as in they change those passive investments and review those sort of quarterly as opposed to, like, annually with your annual reviews and looking at changing things then. And for your case, it seems to have gone a little\n\nChannel 1: So\n\nChannel 0: bit longer\n\nChannel 1: so\n\nChannel 0: way.\n\nChannel 1: this one's a this one's a more second one's a more hands on, like, we're up to date a lot more. Are we by the sounds of it? Is that right?\n\nChannel 0: Yeah. Well, the investment committee is responsible for and, like, within anyone that's in it, they change something. It changes for everyone. So they don't have\n\nChannel 1: Yep.\n\nChannel 0: to contact\n\nChannel 1: I'm with\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: and provide you any statement advice to go this and this are changing. If they just\n\nChannel 1: Yeah.\n\nChannel 0: give you an\n\nChannel 1: Yeah.\n\nChannel 0: update via an\n\nChannel 1: Okay.\n\nChannel 0: email and be\n\nChannel 1: Yep.\n\nChannel 0: like,\n\nChannel 1: Yep.\n\nChannel 0: this is what's changed in the underlying separately managed account, and this is the change we've made. These are why we've made them\n\nChannel 1: Yep.\n\nChannel 0: and, like, the investment directions and things like that. Whereas for me to change anything in your current portfolio, I've gotta have the conversation with you, sort\n\nChannel 1: And\n\nChannel 0: of gauge\n\nChannel 1: then\n\nChannel 0: your your\n\nChannel 1: we're\n\nChannel 0: risk\n\nChannel 1: just\n\nChannel 0: tolerance.\n\nChannel 1: losing time back and forth, aren't we really pretty much? It's just\n\nChannel 0: And,\n\nChannel 1: yeah. I\n\nChannel 0: yeah,\n\nChannel 1: know what\n\nChannel 0: every\n\nChannel 1: you mean.\n\nChannel 0: time you wanna update the advice, it like, it goes through\n\nChannel 1: Yep.\n\nChannel 0: this whole process of, like, me having conversations, see how you feel about things,\n\nChannel 1: So\n\nChannel 0: giving\n\nChannel 1: both\n\nChannel 0: you a\n\nChannel 1: basically,\n\nChannel 0: few\n\nChannel 1: the\n\nChannel 0: different\n\nChannel 1: second one's more of an auto. It's more self as an auto, basically, sort of goes with the market, I guess.\n\nChannel 0: a little bit. So, yeah. So it is passive in terms of the investments it holds, but it's actively managed. So you do have\n\nChannel 1: Yep.\n\nChannel 0: that manager portion where they can change the underlying investments\n\nChannel 1: I probably\n\nChannel 0: and\n\nChannel 1: like\n\nChannel 0: that's\n\nChannel 1: that idea better, to be honest.\n\nChannel 0: yeah. And then\n\nChannel 1: Is\n\nChannel 0: that's\n\nChannel 1: that\n\nChannel 0: not\n\nChannel 1: what\n\nChannel 0: to\n\nChannel 1: your\n\nChannel 0: say that they\n\nChannel 1: is that\n\nChannel 0: pardon?\n\nChannel 1: what most clients are doing with you at the moment, that that idea, or what\n\nChannel 0: Well,\n\nChannel 1: are they\n\nChannel 0: because\n\nChannel 1: sort of\n\nChannel 0: it's so new, it only came out at the start of this year really.\n\nChannel 1: oh, has it? Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Right.\n\nChannel 0: So it's the end of last year. They finalized it with BlackRock. It's one of the first\n\nChannel 1: Yeah.\n\nChannel 0: companies\n\nChannel 1: Right.\n\nChannel 0: that built like a strategic portfolio with. So infancy sort of days that BlackRock's quite a big name, and they're quite good in their analysts\n\nChannel 1: Yeah.\n\nChannel 0: as well\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: have\n\nChannel 0: it\n\nChannel 1: everything.\n\nChannel 0: does yeah. Exactly.\n\nChannel 1: Yeah. And the world. Anyway,\n\nChannel 0: And with that, it would be cheaper than your\n\nChannel 1: Yep.\n\nChannel 0: current portfolio.\n\nChannel 1: Oh, is it?\n\nChannel 0: If,\n\nChannel 1: Yep.\n\nChannel 0: yeah, if you went like a full indexed option and then sort of like I said, more passively build the portfolio again and just had it sort of, you know, each year doing the reviews and potentially changing things, that option's potentially a few $100 maybe cheaper ongoing in terms of annual costs.\n\nChannel 1: Okay.\n\nChannel 0: But in saying that you don't have that active managed portion apart from, like, when we review those investments,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Every\n\nChannel 0: then\n\nChannel 1: two, three, or six months. Yep. Okay.\n\nChannel 0: yeah. And then if you were to look to just update the portfolio and have less allocated to, like, an active investment, it is quite similar to having it in the that SMA anyway. It's actually slightly more expensive, but they're all sort of around. Passive would be around 1,200 as an ongoing cost. The active manage would be around the 14, and then the the SMA\n\nChannel 1: Okay.\n\nChannel 0: would be around the $13.50 in\n\nChannel 1: Okay.\n\nChannel 0: terms of,\n\nChannel 1: So\n\nChannel 0: like,\n\nChannel 1: all\n\nChannel 0: in\n\nChannel 1: all about the same much and much, and I see it.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: It sort of just depends on what you sort of want to get out of it as well. And then with that, it is a lot easier for them to obviously change and keep those portfolios up to date as things\n\nChannel 1: Okay.\n\nChannel 0: move forward in those changes.\n\nChannel 1: I'm with you. Yeah. I'm with you. Yep. I probably like that idea the best out of it.\n\nBut anyway okay. That's the three options you got for me, the couple options you got for me pretty much.\n\nChannel 0: Yep. Yeah. So what I can do is I can put together that little strategy\n\nChannel 1: Please do.\n\nChannel 0: paper there for you, and\n\nChannel 1: Yeah.\n\nChannel 0: it gives you sort of just like their rolling average returns historically currently\n\nChannel 1: Yep. Yep.\n\nChannel 0: as well as sort of the the costs and any sort of a little bit of pros and cons with those and everything. In regards to, like, capital gains at the moment, it's not something given that Benelon took such that backwards turn that you'd have to worry too much about. It offsets, like, any sort of capital gain moving with the the changes across,\n\nChannel 1: Okay.\n\nChannel 0: like,\n\nChannel 1: Yep.\n\nChannel 0: all three options there. So in regards to that one, that's not a huge issue there, but I can provide you that document just so you can have a little squeeze over. And even\n\nChannel 1: Okay.\n\nChannel 0: if you just sort of email me back and tell me\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: I\n\nChannel 0: option\n\nChannel 1: will\n\nChannel 0: you\n\nChannel 1: definitely\n\nChannel 0: thought\n\nChannel 1: I'll\n\nChannel 0: of\n\nChannel 1: I'll I'll definitely probably get on to buy tomorrow because I wanna get the thing rolling. So, yeah, my age, mate, my suit is not real crash hot. I've gotta start doing something about it now, basically. So I've just had it\n\nChannel 0: Yep.\n\nChannel 1: set set there, basically. I'm not doing nothing about it and getting a bit older. I thought I've gotta get on it. I gotta start doing something. You know what I mean?\n\nSo,\n\nChannel 0: Yeah. And when you're looking to do sort of additional contributions or any sort of salary sacrifice at all? Or\n\nChannel 1: Look. I'm thinking about it. I'm wrapped up in crypto at the moment. That's down a fair bit anyway, but that'll come\n\nChannel 0: yep.\n\nChannel 1: back. I haven't I haven't sold nothing. I don't intend to sell. I'm just waiting.\n\nChannel 0: Yeah.\n\nChannel 1: But I don't know. I just let's let's set something up first maybe,\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: No.\n\nChannel 1: then\n\nChannel 0: Not\n\nChannel 1: we\n\nChannel 0: a\n\nChannel 1: can\n\nChannel 0: problem.\n\nChannel 1: talk about that. So hopefully speaking, okay, if I was to put, like, $5 in, do the government still match that or not?\n\nChannel 0: No. So that\n\nChannel 1: They stop\n\nChannel 0: it depends\n\nChannel 1: that? Was that tax deduct or anything like that? Is there any pros and cons there? Or\n\nChannel 0: so there's a government co contribution if that's the one you're you're referring to, and that's\n\nChannel 1: yep.\n\nChannel 0: not as high as what you may be thinking there.\n\nChannel 1: Yep.\n\nChannel 0: I believe it maxes out around the 1,500. It depends what income you're on because it can obviously go down as well, I\n\nChannel 1: Yeah.\n\nChannel 0: think.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: I'm with\n\nChannel 0: if\n\nChannel 1: you.\n\nChannel 0: you contribute I believe if you contribute 1,500, they'll co contribute up to, like, 500 for low to middle income earners,\n\nChannel 1: Right.\n\nChannel 0: but then\n\nChannel 1: Yep.\n\nChannel 0: it changes depending on how much income\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: Okay.\n\nChannel 0: earning\n\nChannel 1: Okay.\n\nChannel 0: there as well. In addition to that one, depending on, like, sort of how much cash you got spare and what you wanted to sort of potentially chuck in, If you were to add it concessionally through salary sacrifice, you obviously got up to that $30,000 cap where it only get taxed at 15% going in\n\nChannel 1: Right.\n\nChannel 0: as opposed to your marginal tax\n\nChannel 1: That's\n\nChannel 0: rate.\n\nChannel 1: how it works. Okay. Yep. Okay. Yep.\n\nChannel 0: Yeah. Alternatively, if you just sort of, like, end of financial year looking to put a bit of a lump sum in that you've got spare and you wanna just have it in your super as opposed to in a bank account or in your investments outside of super, you can add it non concessionally and still claim a notice of intent to switch it back to a concessional as long as you're under the caps there. And then what that becomes is a bit of a rebate at tax time sort\n\nChannel 1: Okay.\n\nChannel 0: of thing.\n\nChannel 1: Oh, okay.\n\nChannel 0: If you,\n\nChannel 1: There's a rebate. Yeah. Okay. Okay.\n\nChannel 0: yeah, if you claim your\n\nChannel 1: Yep.\n\nChannel 0: notice of intent because you've already paid tax on it if you do take home money.\n\nChannel 1: Yep.\n\nChannel 0: So what they do is they repay like, basically, the difference between your marginal tax rate and that 15%\n\nChannel 1: Okay.\n\nChannel 0: that you would tax going into super.\n\nChannel 1: Alright. Mate, yeah, send that out to me. I'll have a look at it. I'll definitely get back by by tomorrow or Friday at the latest and let you know. What are most people doing?\n\nI suppose everyone's different, obviously, aren't they?\n\nChannel 0: Yeah. It kind of depends on personal preference. Some\n\nChannel 1: Preference\n\nChannel 0: people\n\nChannel 1: in where\n\nChannel 0: like the\n\nChannel 1: I'm at with my super, I guess, how much I've got there and whatever my age and then I guess\n\nChannel 0: yeah. And and with that too,\n\nChannel 1: too.\n\nChannel 0: like,\n\nChannel 1: I\n\nChannel 0: a lot of people like the idea that it gets monitored more regularly with that\n\nChannel 1: I like\n\nChannel 0: sort\n\nChannel 1: that\n\nChannel 0: of\n\nChannel 1: idea.\n\nChannel 0: power of\n\nChannel 1: That's with the\n\nChannel 0: yeah.\n\nChannel 1: m a one in\n\nChannel 0: The yeah. The SMA, the managed\n\nChannel 1: SMA.\n\nChannel 0: account\n\nChannel 1: Sorry.\n\nChannel 0: there.\n\nChannel 1: Yeah. SMA.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay. That's what I'm sort of leaning towards, but I'd like to do a bit more research and obviously have a look at it and read what you're presenting to me.\n\nChannel 0: Yeah. Obviously, this is, like, just a little strategy paper with the it doesn't go too in-depth.\n\nChannel 1: No.\n\nChannel 0: It gives you through the pros\n\nChannel 1: Yep.\n\nChannel 0: and cons. But, yeah, it is powered by basically BlackRock and their software as well as the investment\n\nChannel 1: Okay.\n\nChannel 0: committee here.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: As opposed to, like, sort of when we build a portfolio outside of that, it is basically what the investment community is approved through their approved product list.\n\nChannel 1: Yep.\n\nChannel 0: So the company sort of isn't happy to to have his recommended products. And then each year sort of they get a review, and then if you wanna change something, we do have to do the advice process again, whether that is with the passive side of things or if you have an active portion in it or not.\n\nChannel 1: Yeah. Okay. Okay. What's my balance at the moment? Are you gonna open?\n\nNo. I I'm too scared to look. Probably\n\nChannel 0: Yeah.\n\nChannel 1: about a 180.\n\nChannel 0: I'll have a quick look\n\nChannel 1: Not\n\nChannel 0: here.\n\nChannel 1: much.\n\nChannel 0: Yeah. So one seventy eight six at the\n\nChannel 1: Yeah.\n\nChannel 0: moment\n\nChannel 1: There\n\nChannel 0: there\n\nChannel 1: you\n\nChannel 0: with\n\nChannel 1: go. Because this has bloody been a long crap. Yeah. Alright.\n\nChannel 0: yeah. So as I said, yeah, I can't sort of pretend to what you sort of had a conversation originally with having, like,\n\nChannel 1: Yeah, mate. I\n\nChannel 0: that\n\nChannel 1: can't\n\nChannel 0: allocation\n\nChannel 1: remember. How\n\nChannel 0: to\n\nChannel 1: long\n\nChannel 0: an\n\nChannel 1: have I\n\nChannel 0: active\n\nChannel 1: been how long have\n\nChannel 0: port.\n\nChannel 1: I been with you guys for? Can you tell me that? About four years?\n\nChannel 0: I think yeah. I think it's coming around the the four, maybe closer to five, because I think\n\nChannel 1: Five?\n\nChannel 0: it was\n\nChannel 1: Close\n\nChannel 0: around\n\nChannel 1: to five.\n\nChannel 0: 2021 sort of time ish.\n\nChannel 1: What did I have in there when I first started with you guys? It wasn't much either. I don't think. No. No.\n\nChannel 0: I'm not\n\nChannel 1: I\n\nChannel 0: too\n\nChannel 1: can check\n\nChannel 0: That\n\nChannel 1: on\n\nChannel 0: was\n\nChannel 1: that.\n\nChannel 0: around\n\nChannel 1: That's fine.\n\nChannel 0: That was like the COVID time. So you took quite a significant dip up to that,\n\nChannel 1: Yeah.\n\nChannel 0: and it sort\n\nChannel 1: I know.\n\nChannel 0: of\n\nChannel 1: It just says that\n\nChannel 0: started\n\nChannel 1: I can come back, really.\n\nChannel 0: Yeah. It started to come back to, like, end of last year. And then obviously, with that been a\n\nChannel 1: Trump\n\nChannel 0: long announcement,\n\nChannel 1: is tariffs.\n\nChannel 0: yeah, it's taken another dive. So\n\nChannel 1: That's it. That's it. Alright, mate. Look. I appreciate your time.\n\nSend all that out to me. I'll get back to you definitely by the weekend. I'll give you an answer what I wanna do, and I'm happy just to correspond via email while I'm away if that's okay with you, or do we need to talk again? Or\n\nChannel 0: Normally, I send out the document even if it's just a fifteen minute phone\n\nChannel 1: okay.\n\nChannel 0: call just to give you the key points, and then\n\nChannel 1: Yep.\n\nChannel 0: you can just take it away and have a look at it and then come back with any questions you might have.\n\nChannel 1: Alright. Cool. Look. I'll read over it straight away then pretty much, and I'll get back to you as quick as I can. And how's that?\n\nChannel 0: Yeah. I'll I'll try and get that all put together there for you. So I'm just gonna draw it up. Obviously, it's all in different documents. So I'll try\n\nChannel 1: Yeah.\n\nChannel 0: and make it all nice and pretty and put\n\nChannel 1: That's\n\nChannel 0: into something\n\nChannel 1: alright.\n\nChannel 0: that's a little bit more put together.\n\nChannel 1: No. That's\n\nChannel 0: And\n\nChannel 1: fine.\n\nChannel 0: then\n\nChannel 1: I totally understand. It's alright. But, yeah, as long as I've got the SMA, that's what I'm sort of interested in. I'll do a bit of homework on that and check that one out. Yeah.\n\nDefinitely. Cool.\n\nChannel 0: yep. With in regards to that, I'll send you the PDF for that document because as I said, like, the individual investments, it's like, a bit more fluid with that.\n\nChannel 1: Okay.\n\nChannel 0: So I'll give you the most up to date PDF with that one so you can have a look through that and what\n\nChannel 1: Alright.\n\nChannel 0: that looks like.\n\nChannel 1: Cool. Alright, mate. Look. Thank you very much for your time. I appreciate it, and I'll be back with you shortly.\n\nChannel 0: No problem, Jason. Thanks for your time. Enjoy the rest of your day.\n\nChannel 1: Thanks, man. Bye. See you. Bye.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":1.68,"end":1.92,"sentiment":"neutral","sentiment_score":0.05889612436294556},{"text":"Hello.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.0641760304570198},{"text":"Jason speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.06358157657086849}],"sentiment":"neutral","sentiment_score":0.06255882699042559,"channel":1,"num_words":4,"start":1.68,"end":3.1399999},{"sentences":[{"text":"Good afternoon, Jason.","start":3.1999998,"end":4.08,"sentiment":"positive","sentiment_score":0.4204978843530019},{"text":"It's Carl calling from Financial.","start":4.08,"end":5.38,"sentiment":"neutral","sentiment_score":0.2604763716459274},{"text":"How are you today?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.2679644897580147}],"sentiment":"neutral","sentiment_score":0.3029777891933918,"channel":0,"num_words":12,"start":3.1999998,"end":6.3399997},{"sentences":[{"text":"Good, mate.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.48689383268356323},{"text":"How are you?","start":6.8799996,"end":7.62,"sentiment":"neutral","sentiment_score":0.3034394681453705}],"sentiment":"positive","sentiment_score":0.3768212139606476,"channel":1,"num_words":5,"start":6.3199997,"end":7.62},{"sentences":[{"text":"Yeah.","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.20194748044013977},{"text":"Not too bad, Bill.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.3446059003472328},{"text":"Thanks for asking.","start":8.72,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6535375912984213},{"text":"I just 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mate.","start":912.97003,"end":913.585,"sentiment":"neutral","sentiment_score":0.233547642827034},{"text":"Look.","start":913.585,"end":913.665,"sentiment":"positive","sentiment_score":0.4836218059062958},{"text":"I appreciate your time.","start":913.665,"end":914.465,"sentiment":"positive","sentiment_score":0.674177348613739}],"sentiment":"neutral","sentiment_score":0.2979280230673877,"channel":1,"num_words":11,"start":911.21,"end":914.465},{"sentences":[{"text":"Send all that out to me.","start":914.465,"end":915.345,"sentiment":"positive","sentiment_score":0.5823222200075785},{"text":"I'll get back to you definitely by the weekend.","start":915.345,"end":916.785,"sentiment":"positive","sentiment_score":0.4486909674273597},{"text":"I'll give you an answer what I wanna do, and I'm happy just to correspond via email while I'm away if that's okay with you, or do we need to talk again?","start":916.785,"end":924.465,"sentiment":"neutral","sentiment_score":0.32621061662212014},{"text":"Or","start":924.465,"end":924.965,"sentiment":"neutral","sentiment_score":0.11220429092645644}],"sentiment":"positive","sentiment_score":0.3767311677026252,"channel":1,"num_words":48,"start":914.465,"end":924.965},{"sentences":[{"text":"Normally, I send out the document even if it's just a fifteen minute phone","start":925.71497,"end":929.15497,"sentiment":"neutral","sentiment_score":0.10012381630284446}],"sentiment":"neutral","sentiment_score":0.10012381630284446,"channel":0,"num_words":14,"start":925.71497,"end":929.15497},{"sentences":[{"text":"okay.","start":929.13,"end":929.63,"sentiment":"neutral","sentiment_score":0.1541639268398285}],"sentiment":"neutral","sentiment_score":0.1541639268398285,"channel":1,"num_words":1,"start":929.13,"end":929.63},{"sentences":[{"text":"call just to give you the key points, and then","start":929.15497,"end":930.995,"sentiment":"neutral","sentiment_score":0.15364741757512093}],"sentiment":"neutral","sentiment_score":0.15364741757512093,"channel":0,"num_words":10,"start":929.15497,"end":930.995},{"sentences":[{"text":"Yep.","start":930.88995,"end":931.38995,"sentiment":"neutral","sentiment_score":0.19009284675121307}],"sentiment":"neutral","sentiment_score":0.19009284675121307,"channel":1,"num_words":1,"start":930.88995,"end":931.38995},{"sentences":[{"text":"you can just take it away and have a look at it and then come back with any questions you might have.","start":930.995,"end":934.98,"sentiment":"neutral","sentiment_score":0.2004978202960708}],"sentiment":"neutral","sentiment_score":0.2004978202960708,"channel":0,"num_words":22,"start":930.995,"end":934.98},{"sentences":[{"text":"Alright.","start":934.88995,"end":935.29,"sentiment":"neutral","sentiment_score":0.2612149715423584},{"text":"Cool.","start":935.29,"end":935.52997,"sentiment":"positive","sentiment_score":0.369732528924942},{"text":"Look.","start":935.52997,"end":935.61,"sentiment":"neutral","sentiment_score":0.28283077478408813},{"text":"I'll read over it straight away then pretty much, and I'll get back to you as quick as I can.","start":935.61,"end":938.64996,"sentiment":"neutral","sentiment_score":0.273144967854023},{"text":"And how's that?","start":938.64996,"end":939.47,"sentiment":"neutral","sentiment_score":0.13026892890532812}],"sentiment":"neutral","sentiment_score":0.2602878622710705,"channel":1,"num_words":26,"start":934.88995,"end":939.47},{"sentences":[{"text":"Yeah.","start":939.77997,"end":940.01996,"sentiment":"neutral","sentiment_score":0.1376170516014099},{"text":"I'll I'll try and get that all put together there for you.","start":940.01996,"end":942.42,"sentiment":"neutral","sentiment_score":0.21097387870152792},{"text":"So I'm just gonna draw it up.","start":942.42,"end":943.86,"sentiment":"neutral","sentiment_score":0.09317119419574738},{"text":"Obviously, it's all in different documents.","start":943.86,"end":945.45996,"sentiment":"neutral","sentiment_score":0.019027271928886574},{"text":"So I'll try","start":945.45996,"end":945.77997,"sentiment":"neutral","sentiment_score":0.04237044230103493}],"sentiment":"neutral","sentiment_score":0.12285437634022071,"channel":0,"num_words":29,"start":939.77997,"end":945.77997},{"sentences":[{"text":"Yeah.","start":945.765,"end":946.265,"sentiment":"neutral","sentiment_score":0.0802086591720581}],"sentiment":"neutral","sentiment_score":0.0802086591720581,"channel":1,"num_words":1,"start":945.765,"end":946.265},{"sentences":[{"text":"and make it all nice and pretty and put","start":945.77997,"end":947.38,"sentiment":"neutral","sentiment_score":0.14149871302975547}],"sentiment":"neutral","sentiment_score":0.14149871302975547,"channel":0,"num_words":9,"start":945.77997,"end":947.38},{"sentences":[{"text":"That's","start":947.36505,"end":947.685,"sentiment":"neutral","sentiment_score":0.001829862594604492}],"sentiment":"neutral","sentiment_score":0.001829862594604492,"channel":1,"num_words":1,"start":947.36505,"end":947.685},{"sentences":[{"text":"into something","start":947.38,"end":948.01996,"sentiment":"neutral","sentiment_score":-0.004803402349352837}],"sentiment":"neutral","sentiment_score":-0.004803402349352837,"channel":0,"num_words":2,"start":947.38,"end":948.01996},{"sentences":[{"text":"alright.","start":947.685,"end":948.185,"sentiment":"neutral","sentiment_score":0.02934863790869713}],"sentiment":"neutral","sentiment_score":0.02934863790869713,"channel":1,"num_words":1,"start":947.685,"end":948.185},{"sentences":[{"text":"that's a little bit more put together.","start":948.01996,"end":949.88,"sentiment":"neutral","sentiment_score":-0.018072282562830617}],"sentiment":"neutral","sentiment_score":-0.018072282562830617,"channel":0,"num_words":7,"start":948.01996,"end":949.88},{"sentences":[{"text":"No.","start":949.92505,"end":950.16504,"sentiment":"neutral","sentiment_score":-0.05551309511065483},{"text":"That's","start":950.16504,"end":950.325,"sentiment":"neutral","sentiment_score":-0.028077920898795128}],"sentiment":"neutral","sentiment_score":-0.04179550800472498,"channel":1,"num_words":2,"start":949.92505,"end":950.325},{"sentences":[{"text":"And","start":950.26,"end":950.42,"sentiment":"neutral","sentiment_score":0.0040006861090660095}],"sentiment":"neutral","sentiment_score":0.0040006861090660095,"channel":0,"num_words":1,"start":950.26,"end":950.42},{"sentences":[{"text":"fine.","start":950.325,"end":950.48505,"sentiment":"neutral","sentiment_score":0.050444673746824265}],"sentiment":"neutral","sentiment_score":0.050444673746824265,"channel":1,"num_words":1,"start":950.325,"end":950.48505},{"sentences":[{"text":"then","start":950.42,"end":950.92,"sentiment":"neutral","sentiment_score":0.06615938991308212}],"sentiment":"neutral","sentiment_score":0.06615938991308212,"channel":0,"num_words":1,"start":950.42,"end":950.92},{"sentences":[{"text":"I totally understand.","start":950.48505,"end":950.92505,"sentiment":"neutral","sentiment_score":0.08852170904477437},{"text":"It's alright.","start":950.92505,"end":951.36505,"sentiment":"neutral","sentiment_score":0.06107831746339798},{"text":"But, yeah, as long as I've got the SMA, that's what I'm sort of interested in.","start":951.36505,"end":954.16504,"sentiment":"neutral","sentiment_score":0.06321456003934145},{"text":"I'll do a bit of homework on that and check that one out.","start":954.16504,"end":956.51,"sentiment":"neutral","sentiment_score":0.10357302771164821},{"text":"Yeah.","start":956.57,"end":956.73,"sentiment":"neutral","sentiment_score":0.185786634683609}],"sentiment":"neutral","sentiment_score":0.08375402050358909,"channel":1,"num_words":35,"start":950.48505,"end":956.73},{"sentences":[{"text":"Definitely.","start":956.73,"end":957.23,"sentiment":"neutral","sentiment_score":0.31785082817077637},{"text":"Cool.","start":957.93,"end":958.43,"sentiment":"positive","sentiment_score":0.3639136850833893}],"sentiment":"positive","sentiment_score":0.3408822566270828,"channel":1,"num_words":2,"start":956.73,"end":958.43},{"sentences":[{"text":"yep.","start":958.155,"end":958.655,"sentiment":"neutral","sentiment_score":0.07078205049037933},{"text":"With in regards to that, I'll send you the PDF for that document because as I said, like, the individual investments, it's like, a bit more fluid with that.","start":959.115,"end":967.05,"sentiment":"neutral","sentiment_score":0.056386357494469345}],"sentiment":"neutral","sentiment_score":0.056866213927666345,"channel":0,"num_words":30,"start":958.155,"end":967.05},{"sentences":[{"text":"Okay.","start":966.97003,"end":967.47003,"sentiment":"neutral","sentiment_score":0.11983703821897508}],"sentiment":"neutral","sentiment_score":0.11983703821897508,"channel":1,"num_words":1,"start":966.97003,"end":967.47003},{"sentences":[{"text":"So I'll give you the most up to date PDF with that one so you can have a look through that and what","start":967.05,"end":970.57,"sentiment":"neutral","sentiment_score":0.17490827745717505}],"sentiment":"neutral","sentiment_score":0.17490827745717505,"channel":0,"num_words":23,"start":967.05,"end":970.57},{"sentences":[{"text":"Alright.","start":970.57,"end":971.05,"sentiment":"neutral","sentiment_score":0.10802268236875534}],"sentiment":"neutral","sentiment_score":0.10802268236875534,"channel":1,"num_words":1,"start":970.57,"end":971.05},{"sentences":[{"text":"that looks like.","start":970.57,"end":971.3489,"sentiment":"neutral","sentiment_score":0.1454039141535759}],"sentiment":"neutral","sentiment_score":0.1454039141535759,"channel":0,"num_words":3,"start":970.57,"end":971.3489},{"sentences":[{"text":"Cool.","start":971.05,"end":971.535,"sentiment":"positive","sentiment_score":0.5704400539398193},{"text":"Alright, mate.","start":971.69495,"end":972.01495,"sentiment":"positive","sentiment_score":0.46005357801914215},{"text":"Look.","start":972.01495,"end":972.175,"sentiment":"positive","sentiment_score":0.35920414328575134},{"text":"Thank you very much for your time.","start":972.175,"end":973.055,"sentiment":"positive","sentiment_score":0.8247857434409005},{"text":"I appreciate it, and I'll be back with you shortly.","start":973.055,"end":975.235,"sentiment":"positive","sentiment_score":0.7221245348453522}],"sentiment":"positive","sentiment_score":0.7068808050382704,"channel":1,"num_words":21,"start":971.05,"end":975.235},{"sentences":[{"text":"No problem, Jason.","start":975.50885,"end":976.3089,"sentiment":"positive","sentiment_score":0.5955963333447775},{"text":"Thanks for your time.","start":976.3089,"end":976.8689,"sentiment":"positive","sentiment_score":0.7942702025175095},{"text":"Enjoy the rest of your day.","start":976.8689,"end":978.00885,"sentiment":"positive","sentiment_score":0.7895065049330393}],"sentiment":"positive","sentiment_score":0.7462237569002005,"channel":0,"num_words":13,"start":975.50885,"end":978.00885},{"sentences":[{"text":"Thanks, man.","start":977.855,"end":978.415,"sentiment":"positive","sentiment_score":0.7037998735904694},{"text":"Bye.","start":978.415,"end":978.65497,"sentiment":"positive","sentiment_score":0.49480074644088745},{"text":"See you.","start":978.65497,"end":979.055,"sentiment":"positive","sentiment_score":0.529312938451767},{"text":"Bye.","start":979.055,"end":979.555,"sentiment":"neutral","sentiment_score":0.32240015268325806}],"sentiment":"positive","sentiment_score":0.547237753868103,"channel":1,"num_words":6,"start":977.855,"end":979.555},{"sentences":[{"text":"Cheers.","start":979.1889,"end":979.50885,"sentiment":"positive","sentiment_score":0.5833578109741211},{"text":"Bye.","start":979.50885,"end":980.00885,"sentiment":"neutral","sentiment_score":-0.11642447113990784}],"sentiment":"neutral","sentiment_score":0.23346666991710663,"channel":0,"num_words":2,"start":979.1889,"end":980.00885}]},"summary":{"result":"success","short":"A representative from Financial called Jason to discuss his portfolio and provided some figures and advice. They discussed his current portfolio and the availability of other investment options. The speaker suggested two options for passive investments, including a passive option and reducing risk with a passive allocation. They discussed the process of updating the portfolio and the potential benefits of a managed SMA account. The speaker is hesitant to make a decision due to uncertainty and the length of the investment cycle. They plan to send a strategy document and draw out key points."},"intents":{"segments":[{"text":"Because you I'm not too sure, like, the original conversation you had with the adviser when you originally put the portfolio together, but you had a little bit more active managed risk with about, like, 30% of that been long. So it obviously impacts your portfolio. Yeah.","start_word":334,"end_word":380,"intents":[{"intent":"Update portfolio","confidence_score":0.37165767}]},{"text":"Obviously, I've just gotta touch on the key points, and we do What send we're those up off. to. Yep.","start_word":541,"end_word":560,"intents":[{"intent":"Review and review key points","confidence_score":0.0025951166}]},{"text":"And then are you still happy keeping your income just to your carrier driver sort Yep.","start_word":614,"end_word":629,"intents":[{"intent":"Keep income","confidence_score":0.25137234}]},{"text":"keep that in saying that you do have quite a significant portion to an active investment. Now we can look to move forward and have no active investment and just go passive. It comes at a lower cost there, and I can even draw this up in a little bit of a a strategy type paper there for you If you're not just going, to show that'd be good. Yes.","start_word":939,"end_word":1008,"intents":[{"intent":"Discuss investment strategy","confidence_score":0.020341214}]},{"text":"So in regards to that that passive option there that aims to just track the indexes, it comes at a lot of a cheaper investment cost. You're just tracking what the markets are doing. And then with that, you don't have the potential to outperform the market, which is what those fund managers do.","start_word":1047,"end_word":1100,"intents":[{"intent":"Track indexes","confidence_score":0.059886467}]},{"text":"We can also look at updating it with an active portion and having, you know, a core of it being the passive side of things to track those indexes, much sort of like you have in your current portfolio, but your current portfolio is also quite a bit tech heavy, then I would preferably My like portfolio at the moment is pretty aggressive, isn't it?","start_word":1158,"end_word":1222,"intents":[{"intent":"Update portfolio with active portion","confidence_score":0.06091519}]},{"text":"then also we can look at just reducing that manager risk and having a smaller allocation towards an active portion within the portfolio.","start_word":1355,"end_word":1377,"intents":[{"intent":"Reduce manager risk","confidence_score":0.5748811},{"intent":"Reduce manager risk","confidence_score":0.1843219}]},{"text":"They're still aim for trying to outperform the market a little bit, but a low percentage sort of around that 15% where if it does sort of not perform as well, it doesn't affect I'm not your gonna balance. go down as much yet.","start_word":1379,"end_word":1422,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.07046693}]},{"text":"Whereas for me to change anything in your current portfolio, I've gotta have the conversation with you, sort And of gauge then your your we're risk just tolerance. losing time back and forth, aren't we really pretty much?","start_word":1821,"end_word":1858,"intents":[{"intent":"Update portfolio details","confidence_score":0.0006496697}]},{"text":"Oh, is it? If, Yep. yeah, if you went like a full indexed option and then sort of like I said, more passively build the portfolio again and just had it sort of, you know, each year doing the reviews and potentially changing things, that option's potentially a few $100 maybe cheaper ongoing in terms of annual costs. Okay.","start_word":2102,"end_word":2160,"intents":[{"intent":"Explore portfolio options","confidence_score":0.0034639535}]},{"text":"So in regards to that one, that's not a huge issue there, but I can provide you that document just so you can have a little squeeze over. And even Okay.","start_word":2480,"end_word":2510,"intents":[{"intent":"Provide document","confidence_score":0.58336824}]},{"text":"Or so there's a government co contribution if that's the one you're you're referring to, and that's yep. not as high as what you may be thinking there. Yep.","start_word":2735,"end_word":2763,"intents":[{"intent":"Check government co contribution","confidence_score":0.0009307535}]},{"text":"you contribute I believe if you contribute 1,500, they'll co contribute up to, like, 500 for low to middle income earners, Right.","start_word":2796,"end_word":2817,"intents":[{"intent":"Confirming contribution amount","confidence_score":0.00061988615}]},{"text":"If you, There's a rebate. Yeah. Okay. Okay.","start_word":3001,"end_word":3008,"intents":[{"intent":"Asking for clarification on rebate","confidence_score":0.004020854},{"intent":"Informing about rebate","confidence_score":0.0045418674}]},{"text":"what they do is they repay like, basically, the difference between your marginal tax rate and that 15% Okay. that you would tax going into super.","start_word":3033,"end_word":3058,"intents":[{"intent":"Showing preference for concessional rate","confidence_score":0.00004543039}]},{"text":"what they do is they repay like, basically, the difference between your marginal tax rate and that 15% Okay. that you would tax going into super. Alright.","start_word":3033,"end_word":3059,"intents":[{"intent":"Confirming benefit benefits","confidence_score":0.00005917693}]},{"text":"Mate, yeah, send that out to me. I'll have a look at it. I'll definitely get back by by tomorrow or Friday at the latest and let you know. What are most people doing?","start_word":3060,"end_word":3093,"intents":[{"intent":"Sharing information","confidence_score":0.0062411334},{"intent":"Asking for feedback","confidence_score":0.011269357}]},{"text":"That's what I'm sort of leaning towards, but I'd like to do a bit more research and obviously have a look at it and read what you're presenting to me. Yeah.","start_word":3191,"end_word":3221,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.08129666}]},{"text":"What did I have in there when I first started with you guys?","start_word":3501,"end_word":3513,"intents":[{"intent":"Clarify information","confidence_score":0.0015490915}]},{"text":"Or Normally, I send out the document even if it's just a fifteen minute phone okay. call just to give you the key points, and then Yep. you can just take it away and have a look at it and then come back with any questions you might have. Alright.","start_word":3657,"end_word":3706,"intents":[{"intent":"Request documents","confidence_score":0.010772821}]}]},"sentiments":{"segments":[{"text":"Yeah. Hello. Jason speaking.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.0625777617096901},{"text":"Good afternoon, Jason.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.4185187518596649},{"text":"It's Carl calling from Financial. How are you today?","start_word":7,"end_word":15,"sentiment":"neutral","sentiment_score":0.27577388286590576},{"text":"Good, mate.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4767358005046845},{"text":"How are you? Yeah.","start_word":18,"end_word":21,"sentiment":"neutral","sentiment_score":0.2702893614768982},{"text":"Not too bad, Bill. Thanks for asking. I just scheduled Awesome. in for that bit of a catch up.","start_word":22,"end_word":40,"sentiment":"positive","sentiment_score":0.4955519735813141},{"text":"Yeah. Yeah.","start_word":41,"end_word":42,"sentiment":"neutral","sentiment_score":0.2236480563879013},{"text":"Cool.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.3371952176094055},{"text":"Yeah. Sorry I missed your call last week. Anyway, all good. No. No. That's perfectly fine. Under understandable. You're a busy man. Just to jump into that one, Jason, I do have to let you know these calls are recorded for that quality and training purposes. And if Yep. I could just pass you through security, just that name, date of birth, and current address, we'll get stuck into Yeah. Jason from you. Date of birth, twenty eight zero four nineteen seventy two. 102 Sharpless Road, Springfield 4300. it.","start_word":44,"end_word":132,"sentiment":"neutral","sentiment_score":-0.002429325832054019},{"text":"Brilliant. Thanks for that one, Jason.","start_word":133,"end_word":138,"sentiment":"positive","sentiment_score":0.5999162793159485},{"text":"Now I know that originally we had the conversation. We're gonna leave it a little bit. And I think around now is when we're gonna touch base anyway just to see how things are traveling Yeah. I think it was about now. I I contacted you a bit earlier a little to get bit earlier. to get out because I was going up, mate, and then it's totally going down.","start_word":139,"end_word":208,"sentiment":"neutral","sentiment_score":-0.11061536520719528},{"text":"I think it's sunk even more. So I think it's time to jump the sink and ship myself Yeah.","start_word":209,"end_word":227,"sentiment":"negative","sentiment_score":-0.4111824333667755},{"text":"Yeah. No. I completely on understand that one. what Yeah. I've been watching it a bit. So, yeah, thanks for that. yeah. Not not a problem. Yeah. As a a business decision as well, we we are moving away from that. I think I might have mentioned You that did earlier mention as that you well. didn't know your Yeah. clients out of it, so, yeah, I probably should have jumped off it. I will just wait and see what happens, but I'll yeah. And, look, given that you had a higher allocation more than most in that, Yeah. it Do wasn't you know? yeah. Because you I'm not too sure, like, the original conversation you had with the adviser when you originally put the portfolio together, but you had a little bit more active managed risk with about, like, 30% of that been long. So it obviously impacts your portfolio. Yeah. I did, mate. I did definitely. Yeah. Definitely say. Yeah. But, yeah, with that, obviously, doing the update, I did reply on that email. I did get them to do the research. So I do have, like, a few figures I can sort of run over with Yeah. you and Yeah. sort of how you wanna move going A couple forward. options what I can do, and I can sort of think about it. And then let I'm pissed I'm racking off to Tazzy on Saturday, but I'd like to sort of get things rolling a bit if I before then if I could. You know what I mean? I'm Yep. away for Yep. about three weeks. Yep. And even then, I can send you the doc and give you a quick call and overview, and you can same thing can review it in your your time if you can, like, Yeah. while That's you're away fine. even. Yep. Yep. Yep. Obviously, I've just gotta touch on the key points, and we do What send we're those up off. to. Yep. Yep. Just before I jump into anything else, though, as far as, like, your current status there with your details, like assets, liabilities, role, you're still doing the same sort of work? Yeah. Everything's the same, mate. No changes in the last few weeks. All the same. So, yep, that's fine.","start_word":228,"end_word":611,"sentiment":"neutral","sentiment_score":-0.039236732980498346},{"text":"Perfect, brilliant.","start_word":612,"end_word":613,"sentiment":"positive","sentiment_score":0.7502058148384094},{"text":"And then are you still happy keeping your income just to your carrier driver sort Yep. of store That's person? fine. Because I know Yep. you do the metal work on the side as well and that sort of changes, but we don't really have a set income for that. No. That's okay. That's up that's up and down, mate. Let's not worry about that one.","start_word":614,"end_word":679,"sentiment":"neutral","sentiment_score":0.015822828911371867},{"text":"That's fine.","start_word":680,"end_word":681,"sentiment":"positive","sentiment_score":0.4457870423793793},{"text":"Too easy. And then as far as the advice document's concerned, because, obviously, we're mainly just touching on the investment side of things. Are you happy with Hub 24 as a platform and things like that as well? Are you happy for just to be the investment Well, update? mate, Or I I guess so. They they are traveling okay, I think, aren't they? I've done a bit of homework. They said they're doing okay, don't they? yeah. As a a comparable in the market, there are, like, a few cheaper alternatives, but then you still lose out on some of the features that Hub does have. They do have, like, aggregate trading and few other features that other cheaper options don't have. So compared in the market and retail platforms, they're still quite competitive in what they offer for the price you're Yep. paying, if that makes sense. Yeah. I think just leave it at that. That's fine. Yep.","start_word":682,"end_word":841,"sentiment":"neutral","sentiment_score":0.1303282082080841},{"text":"Perfect. Definitely.","start_word":842,"end_word":843,"sentiment":"positive","sentiment_score":0.4812334477901459},{"text":"So Yep. we'll just look at doing that investment update then. Obviously, if things do change, we can obviously look at different things in the the future there. Yep. But in regards to that one, there so the few options I sort of got them to do up there for you is this because you're in quite one of the older portfolios anyway there, like, around the pre you know, around the COVID time. So probably Yeah. due Right. for an update even if, you Yes. know, it didn't occur with the Benelon. But Yep. keep that in saying that you do have quite a significant portion to an active investment. Now we can look to move forward and have no active investment and just go passive. It comes at a lower cost there, and I can even draw this up in a little bit of a a strategy type paper there for you If you're not just going, to show that'd be good. Yes. Actually, yeah. yep. So Yep. I can have a quick chat about them now, and you can give something to think about. I can send you that, like, sort of strategy paper document, a few different options. Yep.","start_word":844,"end_word":1046,"sentiment":"neutral","sentiment_score":0.10545902321197716},{"text":"So in regards to that that passive option there that aims to just track the indexes, it comes at a lot of a cheaper investment cost. You're just tracking what the markets are doing.","start_word":1047,"end_word":1080,"sentiment":"positive","sentiment_score":0.34070682525634766},{"text":"And then with that, you don't have the potential to outperform the market, which is what those fund managers do.","start_word":1081,"end_word":1100,"sentiment":"neutral","sentiment_score":0.10466349869966508},{"text":"Obviously, Benelong hasn't lived up to the name, and they didn't do quite well at all.","start_word":1101,"end_word":1116,"sentiment":"negative","sentiment_score":-0.4269270896911621},{"text":"Yep. But in saying that, there is the option to go in a more passive investment where you do just carry the indexes in those exchange traded funds that aim to just try and track those and how they are performing. We can also look at updating it with an active portion and having, you know, a core of it being the passive side of things to track those indexes, much sort of like you have in your current portfolio, but your current portfolio is also quite a bit tech heavy, then I would preferably My like portfolio at the moment is pretty aggressive, isn't it? I think we set it up like that.","start_word":1117,"end_word":1230,"sentiment":"neutral","sentiment_score":0.09232346713542938},{"text":"I think that hasn't been changed, so nothing's been sensible with you guys, I think.","start_word":1231,"end_word":1245,"sentiment":"negative","sentiment_score":-0.33691680431365967},{"text":"yeah. So being in the a high growth options, about that ninety ten split. Now with the passive and also the alternative there as well, we can aim to sort of carry that as well, but you'd have the main thing in that one, you've got that manager risk, which is what's caused a lot of your fluctuations and also the Okay. downturn with that Yep. Benelon given that that's a higher allocation. It's not to say that when you move across your past investment and have that ninety ten split that you carry as much risk because you didn't Okay. have Yeah. the the manager risk. And Yep. then also we can look at just reducing that manager risk and having a smaller allocation towards an active portion within the portfolio. They're still aim for trying to outperform the market a little bit, but a low percentage sort of around that 15% where if it does sort of not perform as well, it doesn't affect I'm not your gonna balance. go down as much yet. Yep. So with that, I'm as I can't pertain to what, like, sort of original conversation you had in trying to to, you know, get those more aggressive higher returns with those managed funds and the amount that you had in it, but we can look at reducing that moving forward. The other option there is is we've started an SMA. So with an SMA Yep. What's that self managed what's that one? Sorry. What's the name? What's explain that to me, please. yeah. Not a problem. So it's a separately managed account. So You what? with that, we would be recommending and this portfolio and is managed not only by Oakview but also by BlackRock in a partnership there Okay. as well. Yep.","start_word":1246,"end_word":1545,"sentiment":"neutral","sentiment_score":0.04011121124029159},{"text":"So with that, between the investment committee here and the BlackRock investment committee, they've built a portfolio that becomes a lot more flexible.","start_word":1546,"end_word":1568,"sentiment":"positive","sentiment_score":0.3887139856815338},{"text":"So what you do is you buy into the the SMA or the separately managed account. And then you have a little less transparency in terms of what investments you have because they can change those underlying investments throughout the years to be a little bit more flexible moving forward to change for things like markets. It doesn't actually have a active managed portion in the like, in it in the moment, but what it does have is actively managed as in they change those passive investments and review those sort of quarterly as opposed to, like, annually with your annual reviews and looking at changing things then. And for your case, it seems to have gone a little So bit longer so way. this one's a this one's a more second one's a more hands on, like, we're up to date a lot more. Are we by the sounds of it? Is that right? Yeah. Well, the investment committee is responsible for and, like, within anyone that's in it, they change something. It changes for everyone. So they don't have Yep. to contact I'm with you you. and provide you any statement advice to go this and this are changing. If they just Yeah. give you an Yeah. update via an Okay. email and be Yep. like, Yep. this is what's changed in the underlying separately managed account, and this is the change we've made. These are why we've made them Yep. and, like, the investment directions and things like that. Whereas for me to change anything in your current portfolio, I've gotta have the conversation with you, sort And of gauge then your your we're risk just tolerance. losing time back and forth, aren't we really pretty much? It's just And, yeah. I yeah, know what every you mean. time you wanna update the advice, it like, it goes through Yep. this whole process of, like, me having conversations, see how you feel about things, So giving both you a basically, few the different second one's more of an auto. It's more self as an auto, basically, sort of goes with the market, I guess. a little bit. So, yeah. So it is passive in terms of the investments it holds, but it's actively managed. So you do have Yep. that manager portion where they can change the underlying investments I probably and like that's that idea better, to be honest. yeah. And then Is that's that not what to your say that they is pardon? that what most clients are doing with you at the moment, that that idea, or Well, what are because they sort of it's so new, it only came out at the start of this year really. oh, has it? Yeah. Yeah. Right. So it's the end of last year. They finalized it with BlackRock. It's one of the first Yeah. companies Right. that built like a strategic portfolio with. So infancy sort of days that BlackRock's quite a big name, and they're quite good in their analysts Yeah. as well I that have it everything. does yeah. Exactly. Yeah. And the world. Anyway, And with that, it would be cheaper than your Yep. current portfolio. Oh, is it? If, Yep. yeah, if you went like a full indexed option and then sort of like I said, more passively build the portfolio again and just had it sort of, you know, each year doing the reviews and potentially changing things, that option's potentially a few $100 maybe cheaper ongoing in terms of annual costs. Okay. But in saying that you don't have that active managed portion apart from, like, when we review those investments, Yeah. and Every then two, three, or six months. Yep. Okay. yeah. And then if you were to look to just update the portfolio and have less allocated to, like, an active investment, it is quite similar to having it in the that SMA anyway. It's actually slightly more expensive, but they're all sort of around. Passive would be around 1,200 as an ongoing cost. The active manage would be around the 14, and then the the SMA Okay. would be around the $13.50 in Okay. terms of, So like, all in all about the same much and much, and I see it. yeah. Okay. It sort of just depends on what you sort of want to get out of it as well. And then with that, it is a lot easier for them to obviously change and keep those portfolios up to date as things Okay. move forward in those changes. I'm with you. Yeah. I'm with you.","start_word":1569,"end_word":2338,"sentiment":"neutral","sentiment_score":0.05733077140016989},{"text":"Yep. I probably like that idea the best out of it.","start_word":2339,"end_word":2349,"sentiment":"positive","sentiment_score":0.36254534125328064},{"text":"But anyway okay. That's the three options you got for me, the couple options you got for me pretty much. Yep. Yeah. So what I can do is I can put together that little strategy Please paper do. there for you, and it Yeah. gives you sort of just like their rolling average returns historically currently Yep. Yep. as well as sort of the the costs and any sort of a little bit of pros and cons with those and everything. In regards to, like, capital gains at the moment, it's not something given that Benelon took such that backwards turn that you'd have to worry too much about. It offsets, like, any sort of capital gain moving with the the changes across, Okay. like, Yep. all three options there.","start_word":2350,"end_word":2479,"sentiment":"neutral","sentiment_score":0.16546727464749264},{"text":"So in regards to that one, that's not a huge issue there, but I can provide you that document just so you can have a little squeeze over.","start_word":2480,"end_word":2507,"sentiment":"positive","sentiment_score":0.38185915350914},{"text":"And even Okay. if you just sort of email me back and tell me Yeah.","start_word":2508,"end_word":2522,"sentiment":"neutral","sentiment_score":0.12222448736429214},{"text":"which I option will you definitely thought I'll of I'll I'll definitely probably get on to buy tomorrow because I wanna get the thing rolling.","start_word":2523,"end_word":2547,"sentiment":"positive","sentiment_score":0.4302095770835877},{"text":"So, yeah, my age, mate, my suit is not real crash hot.","start_word":2548,"end_word":2559,"sentiment":"neutral","sentiment_score":-0.2536143660545349},{"text":"I've gotta start doing something about it now, basically.","start_word":2560,"end_word":2568,"sentiment":"negative","sentiment_score":-0.39716801047325134},{"text":"So I've just had it Yep. set set there, basically.","start_word":2569,"end_word":2578,"sentiment":"neutral","sentiment_score":-0.05953103676438331},{"text":"I'm not doing nothing about it and getting a bit older.","start_word":2579,"end_word":2589,"sentiment":"negative","sentiment_score":-0.389720231294632},{"text":"I thought I've gotta get on it. I gotta start doing something. You know what I mean? So, Yeah. And when you're looking to do sort of additional contributions or any sort of salary sacrifice at all? Or Look. I'm thinking about it. I'm wrapped up in crypto at the moment. That's down a fair bit anyway, but that'll come yep. back.","start_word":2590,"end_word":2651,"sentiment":"neutral","sentiment_score":-0.09828337281942368},{"text":"I haven't I haven't sold nothing. I don't intend to sell.","start_word":2652,"end_word":2662,"sentiment":"negative","sentiment_score":-0.3866126239299774},{"text":"I'm just waiting. Yeah. But I don't know. I just let's let's set something up first maybe, Yep. and No. then Not a we can problem. talk about that. So hopefully speaking, okay, if I was to put, like, $5 in, do the government still match that or not? No. So that They stop it depends that? Was that tax deduct or anything like that? Is there any pros and cons there? Or so there's a government co contribution if that's the one you're you're referring to, and that's yep. not as high as what you may be thinking there. Yep. I believe it maxes out around the 1,500. It depends what income you're on because it can obviously go down as well, I Yeah. think. Right. So I'm with if you. you contribute I believe if you contribute 1,500, they'll co contribute up to, like, 500 for low to middle income earners, Right. but then Yep. it changes depending on how much income Yeah. you're Okay. earning Okay. there as well. In addition to that one, depending on, like, sort of how much cash you got spare and what you wanted to sort of potentially chuck in, If you were to add it concessionally through salary sacrifice, you obviously got up to that $30,000 cap where it only get taxed at 15% going in Right. as opposed to your marginal tax That's rate. how it works. Okay. Yep. Okay. Yep. Yeah. Alternatively, if you just sort of, like, end of financial year looking to put a bit of a lump sum in that you've got spare and you wanna just have it in your super as opposed to in a bank account or in your investments outside of super, you can add it non concessionally and still claim a notice of intent to switch it back to a concessional as long as you're under the caps there. And then what that becomes is a bit of a rebate at tax time sort Okay. of thing. Oh, okay. If you, There's a rebate. Yeah. Okay. Okay. yeah, if you claim your notice Yep. of intent because you've already paid tax on it if you do take home money. So Yep. what they do is they repay like, basically, the difference between your marginal tax rate and that 15% Okay. that you would tax going into super. Alright. Mate, yeah, send that out to me. I'll have a look at it.","start_word":2663,"end_word":3072,"sentiment":"neutral","sentiment_score":0.07556008340381995},{"text":"I'll definitely get back by by tomorrow or Friday at the latest and let you know.","start_word":3073,"end_word":3088,"sentiment":"positive","sentiment_score":0.4279114603996277},{"text":"What are most people doing? I suppose everyone's different, obviously, aren't they? Yeah. It kind of depends on personal preference. Some Preference people in where like the I'm at with my super, I guess, how much I've got there and whatever my age and then I guess yeah. And and with that too, too.","start_word":3089,"end_word":3142,"sentiment":"neutral","sentiment_score":-0.010314563289284706},{"text":"like, I a lot of people like the idea that it gets monitored more regularly with that I like sort that of idea.","start_word":3143,"end_word":3165,"sentiment":"positive","sentiment_score":0.3779712915420532},{"text":"power of That's with the yeah. m a one in The yeah. The SMA, the managed SMA. account Sorry. there. Yeah. SMA. Yeah. Yeah. Okay. That's what I'm sort of leaning towards, but I'd like to do a bit more research and obviously have a look at it and read what you're presenting to me. Yeah. Obviously, this is, like, just a little strategy paper with the it doesn't go too in-depth. No. It gives you through the pros Yep. and cons. But, yeah, it is powered by basically BlackRock and their software as well as the investment Okay. committee here. Yeah.","start_word":3166,"end_word":3267,"sentiment":"neutral","sentiment_score":0.08331992477178574},{"text":"Cool.","start_word":3268,"end_word":3268,"sentiment":"positive","sentiment_score":0.35260748863220215},{"text":"As opposed to, like, sort of when we build a portfolio outside of that, it is basically what the investment community is approved through their approved product list. Yep. So the company sort of isn't happy to to have his recommended products. And then each year sort of they get a review, and then if you wanna change something, we do have to do the advice process again, whether that is with the passive side of things or if you have an active portion in it or not. Yeah. Okay. Okay. What's my balance at the moment? Are you gonna open? No. I I'm too scared to look. Probably Yeah. about a 180. I'll have a quick look Not here. much. Yeah. So one seventy eight six at the Yeah. moment There there you with go.","start_word":3269,"end_word":3404,"sentiment":"neutral","sentiment_score":-0.03975101560354233},{"text":"Because this has bloody been a long crap.","start_word":3405,"end_word":3412,"sentiment":"negative","sentiment_score":-0.6458117365837097},{"text":"Yeah. Alright. yeah. So as I said, yeah, I can't sort of pretend to what you sort of had a conversation originally with having, like, Yeah, mate. I that can't allocation remember. How to long an have I active been how long have port. I been with you guys for? Can you tell me that? About four years? I think yeah. I think it's coming around the the four, maybe closer to five, because I think Five? it was Close around to five. 2021 sort of time ish. What did I have in there when I first started with you guys? It wasn't much either. I don't think. No. No. I'm not I too can check That on was that. around That's fine. That was like the COVID time. So you took quite a significant dip up to that, Yeah. and it sort I know. of It just says that started I can come back, really. Yeah. It started to come back to, like, end of last year. And then obviously, with that been a Trump long announcement, is tariffs. yeah, it's taken another dive. So That's it. That's it. Alright, mate.","start_word":3413,"end_word":3604,"sentiment":"neutral","sentiment_score":-0.07621200508826102},{"text":"Look. I appreciate your time. Send all that out to me. I'll get back to you definitely by the weekend.","start_word":3605,"end_word":3624,"sentiment":"positive","sentiment_score":0.526561439037323},{"text":"I'll give you an answer what I wanna do, and I'm happy just to correspond via email while I'm away if that's okay with you, or do we need to talk again? Or Normally, I send out the document even if it's just a fifteen minute phone okay. call just to give you the key points, and then Yep. you can just take it away and have a look at it and then come back with any questions you might have. Alright.","start_word":3625,"end_word":3706,"sentiment":"neutral","sentiment_score":0.2279580384492874},{"text":"Cool.","start_word":3707,"end_word":3707,"sentiment":"positive","sentiment_score":0.369732528924942},{"text":"Look. I'll read over it straight away then pretty much, and I'll get back to you as quick as I can. And how's that? Yeah. I'll I'll try and get that all put together there for you. So I'm just gonna draw it up. Obviously, it's all in different documents. So I'll try Yeah. and make it all nice and pretty and put That's into something alright. that's a little bit more put together. No. That's And fine. then I totally understand. It's alright. But, yeah, as long as I've got the SMA, that's what I'm sort of interested in. I'll do a bit of homework on that and check that one out. Yeah. Definitely.","start_word":3708,"end_word":3822,"sentiment":"neutral","sentiment_score":0.11457986384630205},{"text":"Cool.","start_word":3823,"end_word":3823,"sentiment":"positive","sentiment_score":0.3639136850833893},{"text":"yep. With in regards to that, I'll send you the PDF for that document because as I said, like, the individual investments, it's like, a bit more fluid with that. Okay. So I'll give you the most up to date PDF with that one so you can have a look through that and what that Alright. looks like.","start_word":3824,"end_word":3881,"sentiment":"neutral","sentiment_score":0.10584719877304702},{"text":"Cool. Alright, mate. Look. Thank you very much for your time. I appreciate it, and I'll be back with you shortly. No problem, Jason. Thanks for your time. Enjoy the rest of your day. Thanks, man. Bye. See you.","start_word":3882,"end_word":3920,"sentiment":"positive","sentiment_score":0.6720670461654663},{"text":"Bye.","start_word":3921,"end_word":3921,"sentiment":"neutral","sentiment_score":0.32240015268325806},{"text":"Cheers.","start_word":3922,"end_word":3922,"sentiment":"positive","sentiment_score":0.5833578109741211},{"text":"Bye.","start_word":3923,"end_word":3923,"sentiment":"neutral","sentiment_score":0.32628148794174194}],"average":{"sentiment":"neutral","sentiment_score":0.06071128774962592}}}}