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Is now still a good time? Brilliant. Just to get started on that one, Deshant, if I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that today. Perfect. And then just your current address there for me, please? Perfect, Ashanti. Thank you for that one. And I definitely know these calls are recorded for quality and training purposes. Now I did have you scheduled in for just a general catch up just in regards to how things are going in addition to you've purchased another property from my understanding. Is that correct? Yep. Is that in an investment property? I mean, do you know roughly how much that one's worked like market value wise? $6.50. Perfect. And the current mortgage on that one? 45. And then did you use any redraw on your current home there at all? 652. Yep. And then with that one as well, do you still have that personal loan that you had when we previously spoke, or is that locked into the refinancing? Perfect. And now my understanding is you wanted to potentially revisit your insurances just given your your level of debt and how that may have changed. Is that correct? Yep. So with that one there, Shanti, I was having a re review of your policies. Now with that one there, are you still aware of what cover amounts you're covered for at the moment? Yeah. Yeah. Roughly 2,000,000 plus the the trauma and the income protection, which you pay through through super and the trauma's out of pocket with half of the the TPD portion. Now with that there, Shanti, you're currently paying around 35.8% of your contributions already towards insurances. Now as a general rule of thumb, we don't particularly like going over 30 because that does eat into, like, your superannuation contributions that go towards growth and can really sort of impact your your balance over time and growing that superannuation. Now with in regards to the debt you have taken on, your level of debt hasn't changed, like, a crazy amount given that you've put it into a new investment property. Now given your current policy, you do currently cover your your debt, plus in addition to that, a number of years income replacement if anything were to happen. Now we obviously can look at increasing the cover, but, obviously, we cover it does increase as you get older as well. So that policy is only gonna get more expensive, especially if you do increase it as well now, if that makes sense. Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that? Or well, generally, we don't insure for investment properties anyway because in the worst case scenario, if you were to be somewhat injured or sick or unable to maintain that property via your finances, you could look to sell that property and then put that money back towards your your current debts as well. So as a a rule of thumb, normally, we exclude investment properties, debt levels anyway. And even considering your home loan plus your income and replacing that income even before tax, if you take into account the the $2,000,000 you're currently covered for, if you take off your your current level of debt for the just primary residence from that one, you still got 1.35 worth of, like, cover. And if you look at income replacement before even you take into account the tax side of things, that's, like, 17.5 income replacement still, which is really still quite considerable. And to increase it more than that, you really would be hindering the growth within your super given that your balance is on the lower end, You know, coming and working in Australia there as well and having that superannuation fund sitting at I believe it's I'll just check the current balance. Yeah. It's around the $4,040,000 there currently. So if you're putting more of that towards premiums, insurance premiums, even though your risk mitigation is, like, then increase, you are paying for that cost out of, like, your retirement savings at the end of the day as well. If I I wouldn't look to increase it just because you do have quite a considerable adequate amount of coverage currently. And even though I know you are the this whole breadwinner, even taking into consideration just the debt of your home loan and then not the investment property debt, and then which you would be able to potentially sell and get back the equity from that as well, and then not considering the offset of your superannuation either, you'd still have seventeen point five years of your income replaced, and that's not taking into account, obviously, you know, your take home pay versus your gross pay. That's just gross pay. And then, obviously, TPD does get taxed at some level. But, yeah, it would be, you know, roughly at least fifteen years worth of, like, income replacement to take into consideration roughly, you know, things like taxes and stuff like that as well. This is a testament. If that makes sense. Yeah. And as I said, like, just because, yeah, the you're currently at 35% of your current contributions. And then if your your income was to increase considerably, then you might wanna look at revisiting it because then you have a little bit more, like, cash flow to play with going into your superannuation. But your your policy is still more than adequate for your current situation there, Shanti. Perfect. So since you got invested in July, like, sort of late July there, there has been a bit of turbulence sort of at the back end of the the market at the end of last year, start of this year. So it did go up and down a little bit. It's made about the 4.4% before fees, and then taking into consideration all the upfront costs of paying for the advice coming on board and the fees so far as well, you have broken even. You've gone sort of positive again in terms of, like, you've recouped that cost that you have paid forward in that. And then the total earnings is sitting around the the 1,800 mark, which is a bit under point four of a percent, but that's obviously taking into consideration those upfront fee costs as well, if that makes sense. Yeah. Currently, it's still doing quite well. Like, obviously, they're in the global side of things that started this year hasn't been a great start, and then the the tech sector has taken a bit of a backward return there, but the rest of your portfolio still is tracking quite nicely. And given that you've been on board for for less than that twelve months, we'd at least sort of see what happens for the the remaining twelve months. And normally, the first year of growth is the the worst just given the fact that you you're paying for that upfront advice at the start of the process there as well, which you don't pay again going forward. As I said, the the the current investments you do hold, like, obviously, towards up until October, they were traveling quite well. I think it was, like, a 7.6% return. Obviously, towards the end of last year and start of this year, it has gone down a little bit. But then also in regards to your portfolio as well, it it is in a a more of a growth option there as well. Being in a high gross, it's that ninety ten split, so you do see a lot of fluctuations, and you do wanna, like, it is long term investing at the end of the day there as well. And your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing. And then at the moment, a lot of those managed portfolios aren't doing too great either. They're doing worse than what your current portfolio is doing in the markets. So at twelve months, we'll still have a look and see how things are tracking. But as I said, generally, for the level of investment you have in growth assets, you're looking at sort of that, you know, three to five year before you start to potentially look at maybe modifying things if it's not tracking sort of well just to get the returns out of those growth assets because they are like a long term investment. It is that seven to eight year sort of time horizon sort of thing, if if that makes sense. No. If you got any other questions, obviously, I'm happy to answer them. But other than that, that's sort of how your your super has been tracking so far. As I said, still a positive return, and you've recouped some of those upfront costs that you did pay there, which you won't be paying again in terms of upfront costs. You've obviously got the ongoings, but the majority of the cost comes when you first come on board there. And then moving forward from that, obviously, you pay a little bit less to stay on board as a a client. No problem. Thanks, Shanti. You too. And then, yeah, you'll be sort of in six months' time. You'll be due for your annual review anyway, and we'll be having another conversation then at least just to touch base with things and see how everything's going. Too easy. Enjoy the rest of your day, Shanti. Thanks for your time. 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morning, Shanti. It's Carl calling from OPU Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I've already scheduled you in for a bit of a catch up this morning. Is now still a good time? Brilliant. Just to get started on that one, Deshant, if I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that today.\n\nPerfect. And then just your current address there for me, please? Perfect, Ashanti. Thank you for that one. And I definitely know these calls are recorded for quality and training purposes.\n\nNow I did have you scheduled in for just a general catch up just in regards to how things are going in addition to you've purchased another property from my understanding. Is that correct? Yep. Is that in an investment property? I mean, do you know roughly how much that one's worked like market value wise?\n\n$6.50. Perfect. And the current mortgage on that one? 45. And then did you use any redraw on your current home there at all?\n\n652. Yep. And then with that one as well, do you still have that personal loan that you had when we previously spoke, or is that locked into the refinancing? Perfect. And now my understanding is you wanted to potentially revisit your insurances just given your your level of debt and how that may have changed.\n\nIs that correct? Yep. So with that one there, Shanti, I was having a re review of your policies. Now with that one there, are you still aware of what cover amounts you're covered for at the moment? Yeah.\n\nYeah. Roughly 2,000,000 plus the the trauma and the income protection, which you pay through through super and the trauma's out of pocket with half of the the TPD portion. Now with that there, Shanti, you're currently paying around 35.8% of your contributions already towards insurances. Now as a general rule of thumb, we don't particularly like going over 30 because that does eat into, like, your superannuation contributions that go towards growth and can really sort of impact your your balance over time and growing that superannuation. Now with in regards to the debt you have taken on, your level of debt hasn't changed, like, a crazy amount given that you've put it into a new investment property.\n\nNow given your current policy, you do currently cover your your debt, plus in addition to that, a number of years income replacement if anything were to happen. Now we obviously can look at increasing the cover, but, obviously, we cover it does increase as you get older as well. So that policy is only gonna get more expensive, especially if you do increase it as well now, if that makes sense. Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that? Or well, generally, we don't insure for investment properties anyway because in the worst case scenario, if you were to be somewhat injured or sick or unable to maintain that property via your finances, you could look to sell that property and then put that money back towards your your current debts as well.\n\nSo as a a rule of thumb, normally, we exclude investment properties, debt levels anyway. And even considering your home loan plus your income and replacing that income even before tax, if you take into account the the $2,000,000 you're currently covered for, if you take off your your current level of debt for the just primary residence from that one, you still got 1.35 worth of, like, cover. And if you look at income replacement before even you take into account the tax side of things, that's, like, 17.5 income replacement still, which is really still quite considerable. And to increase it more than that, you really would be hindering the growth within your super given that your balance is on the lower end, You know, coming and working in Australia there as well and having that superannuation fund sitting at I believe it's I'll just check the current balance. Yeah.\n\nIt's around the $4,040,000 there currently. So if you're putting more of that towards premiums, insurance premiums, even though your risk mitigation is, like, then increase, you are paying for that cost out of, like, your retirement savings at the end of the day as well. If I I wouldn't look to increase it just because you do have quite a considerable adequate amount of coverage currently. And even though I know you are the this whole breadwinner, even taking into consideration just the debt of your home loan and then not the investment property debt, and then which you would be able to potentially sell and get back the equity from that as well, and then not considering the offset of your superannuation either, you'd still have seventeen point five years of your income replaced, and that's not taking into account, obviously, you know, your take home pay versus your gross pay. That's just gross pay.\n\nAnd then, obviously, TPD does get taxed at some level. But, yeah, it would be, you know, roughly at least fifteen years worth of, like, income replacement to take into consideration roughly, you know, things like taxes and stuff like that as well. This is a testament. If that makes sense. Yeah.\n\nAnd as I said, like, just because, yeah, the you're currently at 35% of your current contributions. And then if your your income was to increase considerably, then you might wanna look at revisiting it because then you have a little bit more, like, cash flow to play with going into your superannuation. But your your policy is still more than adequate for your current situation there, Shanti. Perfect. So since you got invested in July, like, sort of late July there, there has been a bit of turbulence sort of at the back end of the the market at the end of last year, start of this year.\n\nSo it did go up and down a little bit. It's made about the 4.4% before fees, and then taking into consideration all the upfront costs of paying for the advice coming on board and the fees so far as well, you have broken even. You've gone sort of positive again in terms of, like, you've recouped that cost that you have paid forward in that. And then the total earnings is sitting around the the 1,800 mark, which is a bit under point four of a percent, but that's obviously taking into consideration those upfront fee costs as well, if that makes sense. Yeah.\n\nCurrently, it's still doing quite well. Like, obviously, they're in the global side of things that started this year hasn't been a great start, and then the the tech sector has taken a bit of a backward return there, but the rest of your portfolio still is tracking quite nicely. And given that you've been on board for for less than that twelve months, we'd at least sort of see what happens for the the remaining twelve months. And normally, the first year of growth is the the worst just given the fact that you you're paying for that upfront advice at the start of the process there as well, which you don't pay again going forward. As I said, the the the current investments you do hold, like, obviously, towards up until October, they were traveling quite well.\n\nI think it was, like, a 7.6% return. Obviously, towards the end of last year and start of this year, it has gone down a little bit. But then also in regards to your portfolio as well, it it is in a a more of a growth option there as well. Being in a high gross, it's that ninety ten split, so you do see a lot of fluctuations, and you do wanna, like, it is long term investing at the end of the day there as well. And your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing.\n\nAnd then at the moment, a lot of those managed portfolios aren't doing too great either. They're doing worse than what your current portfolio is doing in the markets. So at twelve months, we'll still have a look and see how things are tracking. But as I said, generally, for the level of investment you have in growth assets, you're looking at sort of that, you know, three to five year before you start to potentially look at maybe modifying things if it's not tracking sort of well just to get the returns out of those growth assets because they are like a long term investment. It is that seven to eight year sort of time horizon sort of thing, if if that makes sense.\n\nNo. If you got any other questions, obviously, I'm happy to answer them. But other than that, that's sort of how your your super has been tracking so far. As I said, still a positive return, and you've recouped some of those upfront costs that you did pay there, which you won't be paying again in terms of upfront costs. You've obviously got the ongoings, but the majority of the cost comes when you first come on board there.\n\nAnd then moving forward from that, obviously, you pay a little bit less to stay on board as a a client. No problem. Thanks, Shanti. You too. And then, yeah, you'll be sort of in six months' time.\n\nYou'll be due for your annual review anyway, and we'll be having another conversation then at least just to touch base with things and see how everything's going. Too easy. Enjoy the rest of your day, Shanti. Thanks for your time. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Shanti.","start":2.48,"end":3.1999998,"sentiment":"positive","sentiment_score":0.4517003099123637},{"text":"It's Carl calling from OPU Financial.","start":3.1999998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.25433725366989773},{"text":"How are you today?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.29850322008132935},{"text":"Yeah.","start":7.8399997,"end":8.16,"sentiment":"neutral","sentiment_score":0.22553451359272003},{"text":"Not too bad at all.","start":8.16,"end":9.04,"sentiment":"neutral","sentiment_score":0.2800773769617081}],"sentiment":"neutral","sentiment_score":0.3000557226570029,"num_words":19,"start":2.48,"end":9.04},{"sentences":[{"text":"Thanks for asking.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.6225482225418091},{"text":"I've already scheduled you in for a bit of a catch up this morning.","start":9.76,"end":11.44,"sentiment":"positive","sentiment_score":0.3415624350309372},{"text":"Is now still a good time?","start":11.44,"end":12.555,"sentiment":"neutral","sentiment_score":0.2580001776417096},{"text":"Brilliant.","start":14.315001,"end":14.815001,"sentiment":"positive","sentiment_score":0.6020830869674683},{"text":"Just to get started on that one, Deshant, if I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that today.","start":15.275001,"end":22.095001,"sentiment":"neutral","sentiment_score":0.30327928299084306}],"sentiment":"neutral","sentiment_score":0.3304382136889866,"num_words":56,"start":9.04,"end":22.095001},{"sentences":[{"text":"Perfect.","start":27.449999,"end":27.85,"sentiment":"neutral","sentiment_score":0.2691473960876465},{"text":"And then just your current address there for me, please?","start":27.85,"end":30.349998,"sentiment":"neutral","sentiment_score":0.061028638109564784},{"text":"Perfect, Ashanti.","start":34.01,"end":34.809998,"sentiment":"positive","sentiment_score":0.42726755142211914},{"text":"Thank you for that one.","start":34.809998,"end":35.69,"sentiment":"positive","sentiment_score":0.6028405666351319},{"text":"And I definitely know these calls are recorded for quality and training purposes.","start":35.69,"end":38.57,"sentiment":"neutral","sentiment_score":0.24586487733400786}],"sentiment":"neutral","sentiment_score":0.25627145543694496,"num_words":31,"start":27.449999,"end":38.57},{"sentences":[{"text":"Now I did have you scheduled in for just a general catch up just in regards to how things are going in addition to you've purchased another property from my understanding.","start":38.57,"end":47.425,"sentiment":"neutral","sentiment_score":0.052999087789606665},{"text":"Is that correct?","start":47.425,"end":48.245,"sentiment":"neutral","sentiment_score":0.012240597978234291},{"text":"Yep.","start":50.225,"end":50.464996,"sentiment":"neutral","sentiment_score":0.0003894002584274858},{"text":"Is that in an investment property?","start":50.464996,"end":52.405,"sentiment":"neutral","sentiment_score":-0.00889774008343617},{"text":"I mean, do you know roughly how much that one's worked like market value wise?","start":56.24,"end":59.940002,"sentiment":"neutral","sentiment_score":-0.017248863726854323}],"sentiment":"neutral","sentiment_score":0.024427919986919733,"num_words":56,"start":38.57,"end":59.940002},{"sentences":[{"text":"$6.50.","start":68.494995,"end":69.314995,"sentiment":"neutral","sentiment_score":0.019810840487480164},{"text":"Perfect.","start":69.534996,"end":70.034996,"sentiment":"neutral","sentiment_score":0.09922021627426147},{"text":"And the current mortgage on that one?","start":70.09499,"end":72.034996,"sentiment":"neutral","sentiment_score":0.015879628780697073},{"text":"45.","start":79.149994,"end":79.78999,"sentiment":"neutral","sentiment_score":0.004916088655591011},{"text":"And then did you use any redraw on your current home there at all?","start":79.78999,"end":83.89,"sentiment":"neutral","sentiment_score":-0.01453199443806495}],"sentiment":"neutral","sentiment_score":0.0013190260312209527,"num_words":24,"start":68.494995,"end":83.89},{"sentences":[{"text":"652.","start":94.205,"end":95.425,"sentiment":"neutral","sentiment_score":0.0046293162740767},{"text":"Yep.","start":95.485,"end":95.965004,"sentiment":"neutral","sentiment_score":0.01262539904564619},{"text":"And then with that one as well, do you still have that personal loan that you had when we previously spoke, or is that locked into the refinancing?","start":95.965004,"end":102.94501,"sentiment":"neutral","sentiment_score":-0.033592126365484934},{"text":"Perfect.","start":108.16,"end":108.66,"sentiment":"neutral","sentiment_score":0.08155299723148346},{"text":"And now my understanding is you wanted to potentially revisit your insurances just given your your level of debt and how that may have changed.","start":109.04,"end":115.200005,"sentiment":"neutral","sentiment_score":-0.07223675757646561}],"sentiment":"neutral","sentiment_score":-0.04728019223382164,"num_words":56,"start":94.205,"end":115.200005},{"sentences":[{"text":"Is that correct?","start":115.200005,"end":116.020004,"sentiment":"neutral","sentiment_score":-0.012031316136320433},{"text":"Yep.","start":117.555,"end":118.034996,"sentiment":"neutral","sentiment_score":0.0026886030100286007},{"text":"So with that one there, Shanti, I was having a re review of your policies.","start":118.034996,"end":121.895,"sentiment":"neutral","sentiment_score":-0.020776374762256942},{"text":"Now with that one there, are you still aware of what cover amounts you're covered for at the moment?","start":121.954994,"end":126.774994,"sentiment":"neutral","sentiment_score":-0.03111699723491543},{"text":"Yeah.","start":130.45001,"end":130.61,"sentiment":"neutral","sentiment_score":0.006093043833971024}],"sentiment":"neutral","sentiment_score":-0.02385079155031305,"num_words":39,"start":115.200005,"end":130.61},{"sentences":[{"text":"Yeah.","start":130.61,"end":130.77,"sentiment":"neutral","sentiment_score":-0.022237980738282204},{"text":"Roughly 2,000,000 plus the the trauma and the income protection, which you pay through through super and the trauma's out of pocket with half of the the TPD portion.","start":130.77,"end":140.87001,"sentiment":"negative","sentiment_score":-0.3948348616731578},{"text":"Now with that there, Shanti, you're currently paying around 35.8% of your contributions already towards insurances.","start":141.285,"end":147.94499,"sentiment":"neutral","sentiment_score":-0.046799288073088974},{"text":"Now as a general rule of thumb, we don't particularly like going over 30 because that does eat into, like, your superannuation contributions that go towards growth and can really sort of impact your your balance over time and growing that superannuation.","start":148.645,"end":162.0,"sentiment":"negative","sentiment_score":-0.4653191488413584},{"text":"Now with in regards to the debt you have taken on, your level of debt hasn't changed, like, a crazy amount given that you've put it into a new investment property.","start":162.94,"end":173.855,"sentiment":"neutral","sentiment_score":-0.2777327171737148}],"sentiment":"negative","sentiment_score":-0.3392803030432898,"num_words":119,"start":130.61,"end":173.855},{"sentences":[{"text":"Now given your current policy, you do currently cover your your debt, plus in addition to that, a number of years income replacement if anything were to happen.","start":173.855,"end":182.91501,"sentiment":"neutral","sentiment_score":-0.13616414235106536},{"text":"Now we obviously can look at increasing the cover, but, obviously, we cover it does increase as you get older as well.","start":183.295,"end":189.4,"sentiment":"neutral","sentiment_score":-0.28743127462538803},{"text":"So that policy is only gonna get more expensive, especially if you do increase it as well now, if that makes sense.","start":189.62,"end":195.4,"sentiment":"negative","sentiment_score":-0.53812783008272},{"text":"Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that?","start":197.075,"end":203.075,"sentiment":"neutral","sentiment_score":-0.16999966975139535},{"text":"Or well, generally, we don't insure for investment properties anyway because in the worst case scenario, if you were to be somewhat injured or sick or unable to maintain that property via your finances, you could look to sell that property and then put that money back towards your your current debts as well.","start":203.075,"end":226.205,"sentiment":"negative","sentiment_score":-0.40151560886038673}],"sentiment":"neutral","sentiment_score":-0.31923980920906836,"num_words":149,"start":173.855,"end":226.205},{"sentences":[{"text":"So as a a rule of thumb, normally, we exclude investment properties, debt levels anyway.","start":226.205,"end":231.905,"sentiment":"neutral","sentiment_score":-0.17635071376959482},{"text":"And even considering your home loan plus your income and replacing that income even before tax, if you take into account the the $2,000,000 you're currently covered for, if you take off your your current level of debt for the just primary residence from that one, you still got 1.35 worth of, like, cover.","start":232.125,"end":251.84999,"sentiment":"neutral","sentiment_score":-0.12367309595423716},{"text":"And if you look at income replacement before even you take into account the tax side of things, that's, like, 17.5 income replacement still, which is really still quite considerable.","start":251.945,"end":261.165,"sentiment":"neutral","sentiment_score":-0.27254358207186064},{"text":"And to increase it more than that, you really would be hindering the growth within your super given that your balance is on the lower end, You know, coming and working in Australia there as well and having that superannuation fund sitting at I believe it's I'll just check the current balance.","start":261.625,"end":277.44,"sentiment":"negative","sentiment_score":-0.34914494391817313},{"text":"Yeah.","start":277.44,"end":277.6,"sentiment":"neutral","sentiment_score":-0.029710285365581512}],"sentiment":"neutral","sentiment_score":-0.23477080736407324,"num_words":152,"start":226.205,"end":277.6},{"sentences":[{"text":"It's around the $4,040,000 there currently.","start":277.6,"end":280.98502,"sentiment":"neutral","sentiment_score":-0.029989031919588644},{"text":"So if you're putting more of that towards premiums, insurance premiums, even though your risk mitigation is, like, then increase, you are paying for that cost out of, like, your retirement savings at the end of the day as well.","start":281.045,"end":293.7,"sentiment":"neutral","sentiment_score":-0.0746088651008904},{"text":"If I I wouldn't look to increase it just because you do have quite a considerable adequate amount of coverage currently.","start":296.26,"end":305.72,"sentiment":"neutral","sentiment_score":-0.14953933656215668},{"text":"And even though I know you are the this whole breadwinner, even taking into consideration just the debt of your home loan and then not the investment property debt, and then which you would be able to potentially sell and get back the equity from that as well, and then not considering the offset of your superannuation either, you'd still have seventeen point five years of your income replaced, and that's not taking into account, obviously, you know, your take home pay versus your gross pay.","start":306.095,"end":331.45,"sentiment":"neutral","sentiment_score":-0.08707187898716955},{"text":"That's just gross pay.","start":331.45,"end":332.57,"sentiment":"neutral","sentiment_score":-0.15175924077630043}],"sentiment":"neutral","sentiment_score":-0.09171868419974663,"num_words":157,"start":277.6,"end":332.57},{"sentences":[{"text":"And then, obviously, TPD does get taxed at some level.","start":332.57,"end":335.13,"sentiment":"neutral","sentiment_score":-0.09976076483726501},{"text":"But, yeah, it would be, you know, roughly at least fifteen years worth of, like, income replacement to take into consideration roughly, you know, things like taxes and stuff like that as well.","start":335.13,"end":344.515,"sentiment":"neutral","sentiment_score":-0.07089437137950551},{"text":"This is a testament.","start":344.515,"end":345.495,"sentiment":"neutral","sentiment_score":-0.00990645494312048},{"text":"If that makes sense.","start":348.53,"end":353.00998,"sentiment":"neutral","sentiment_score":0.017449593171477318},{"text":"Yeah.","start":353.00998,"end":353.50998,"sentiment":"neutral","sentiment_score":0.062083952128887177}],"sentiment":"neutral","sentiment_score":-0.062401257670269564,"num_words":52,"start":332.57,"end":353.50998},{"sentences":[{"text":"And as I said, like, just because, yeah, the you're currently at 35% of your current contributions.","start":355.25,"end":360.38998,"sentiment":"neutral","sentiment_score":0.07785139736883781},{"text":"And then if your your income was to increase considerably, then you might wanna look at revisiting it because then you have a little bit more, like, cash flow to play with going into your superannuation.","start":360.69,"end":369.695,"sentiment":"neutral","sentiment_score":0.0188518643586172},{"text":"But your your policy is still more than adequate for your current situation there, Shanti.","start":370.07498,"end":374.175,"sentiment":"neutral","sentiment_score":0.06165717343489329},{"text":"Perfect.","start":377.56,"end":378.06,"sentiment":"positive","sentiment_score":0.6672580242156982},{"text":"So since you got invested in July, like, sort of late July there, there has been a bit of turbulence sort of at the back end of the the market at the end of last year, start of this year.","start":384.6,"end":395.875,"sentiment":"neutral","sentiment_score":-0.20103962756693364}],"sentiment":"neutral","sentiment_score":-0.04080117986016317,"num_words":109,"start":355.25,"end":395.875},{"sentences":[{"text":"So it did go up and down a little bit.","start":395.875,"end":398.035,"sentiment":"neutral","sentiment_score":-0.1656048223376274},{"text":"It's made about the 4.4% before fees, and then taking into consideration all the upfront costs of paying for the advice coming on board and the fees so far as well, you have broken even.","start":398.035,"end":410.09,"sentiment":"neutral","sentiment_score":0.004322928083794458},{"text":"You've gone sort of positive again in terms of, like, you've recouped that cost that you have paid forward in that.","start":410.09,"end":415.695,"sentiment":"neutral","sentiment_score":0.3254020895276751},{"text":"And then the total earnings is sitting around the the 1,800 mark, which is a bit under point four of a percent, but that's obviously taking into consideration those upfront fee costs as well, if that makes sense.","start":415.695,"end":430.21,"sentiment":"neutral","sentiment_score":0.036064100206682555},{"text":"Yeah.","start":435.38998,"end":435.78998,"sentiment":"positive","sentiment_score":0.36801236867904663}],"sentiment":"neutral","sentiment_score":0.06730615539210183,"num_words":105,"start":395.875,"end":435.78998},{"sentences":[{"text":"Currently, it's still doing quite well.","start":435.78998,"end":438.59,"sentiment":"positive","sentiment_score":0.393173282345136},{"text":"Like, obviously, they're in the global side of things that started this year hasn't been a great start, and then the the tech sector has taken a bit of a backward return there, but the rest of your portfolio still is tracking quite nicely.","start":438.59,"end":450.045,"sentiment":"neutral","sentiment_score":0.11499120726842772},{"text":"And given that you've been on board for for less than that twelve months, we'd at least sort of see what happens for the the remaining twelve months.","start":450.045,"end":457.03,"sentiment":"neutral","sentiment_score":-0.11272971252245563},{"text":"And normally, the first year of growth is the the worst just given the fact that you you're paying for that upfront advice at the start of the process there as well, which you don't pay again going forward.","start":457.03,"end":467.37,"sentiment":"negative","sentiment_score":-0.3563530819538312},{"text":"As I said, the the the current investments you do hold, like, obviously, towards up until October, they were traveling quite well.","start":480.13,"end":487.88998,"sentiment":"neutral","sentiment_score":0.056201526556502686}],"sentiment":"neutral","sentiment_score":-0.06042529315614014,"num_words":139,"start":435.78998,"end":487.88998},{"sentences":[{"text":"I think it was, like, a 7.6% return.","start":487.88998,"end":490.05,"sentiment":"neutral","sentiment_score":0.08182707475498319},{"text":"Obviously, towards the end of last year and start of this year, it has gone down a little bit.","start":490.05,"end":493.535,"sentiment":"neutral","sentiment_score":-0.20454393640944832},{"text":"But then also in regards to your portfolio as well, it it is in a a more of a growth option there as well.","start":493.535,"end":500.67502,"sentiment":"neutral","sentiment_score":0.030877490683148306},{"text":"Being in a high gross, it's that ninety ten split, so you do see a lot of fluctuations, and you do wanna, like, it is long term investing at the end of the day there as well.","start":501.135,"end":508.94,"sentiment":"neutral","sentiment_score":0.05413310536863031},{"text":"And your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing.","start":509.08002,"end":515.0,"sentiment":"neutral","sentiment_score":-0.027365281754596668}],"sentiment":"neutral","sentiment_score":-0.009906997430053624,"num_words":110,"start":487.88998,"end":515.0},{"sentences":[{"text":"And then at the moment, a lot of those managed portfolios aren't doing too great either.","start":515.0,"end":519.24,"sentiment":"neutral","sentiment_score":-0.2789210672490299},{"text":"They're doing worse than what your current portfolio is doing in the markets.","start":519.24,"end":522.54504,"sentiment":"negative","sentiment_score":-0.4510797606064723},{"text":"So at twelve months, we'll still have a look and see how things are tracking.","start":523.005,"end":526.205,"sentiment":"neutral","sentiment_score":-0.0693859450519085},{"text":"But as I said, generally, for the level of investment you have in growth assets, you're looking at sort of that, you know, three to five year before you start to potentially look at maybe modifying things if it's not tracking sort of well just to get the returns out of those growth assets because they are like a long term investment.","start":526.205,"end":540.70996,"sentiment":"neutral","sentiment_score":-0.018326518336130727},{"text":"It is that seven to eight year sort of time horizon sort of thing, if if that makes sense.","start":540.70996,"end":547.44995,"sentiment":"neutral","sentiment_score":0.01700034105267964}],"sentiment":"neutral","sentiment_score":-0.0974464063718915,"num_words":125,"start":515.0,"end":547.44995},{"sentences":[{"text":"No.","start":552.245,"end":552.745,"sentiment":"neutral","sentiment_score":0.05176825821399689},{"text":"If you got any other questions, obviously, I'm happy to answer them.","start":552.805,"end":555.285,"sentiment":"neutral","sentiment_score":0.15569487834970155},{"text":"But other than that, that's sort of how your your super has been tracking so far.","start":555.285,"end":558.96497,"sentiment":"neutral","sentiment_score":0.16417107358574867},{"text":"As I said, still a positive return, and you've recouped some of those upfront costs that you did pay there, which you won't be paying again in terms of upfront costs.","start":558.96497,"end":566.46,"sentiment":"neutral","sentiment_score":0.1842014116625632},{"text":"You've obviously got the ongoings, but the majority of the cost comes when you first come on board there.","start":566.46,"end":571.18,"sentiment":"neutral","sentiment_score":0.06885457607476335}],"sentiment":"neutral","sentiment_score":0.14639651497142225,"num_words":79,"start":552.245,"end":571.18},{"sentences":[{"text":"And then moving forward from that, obviously, you pay a little bit less to stay on board as a a client.","start":571.18,"end":576.86505,"sentiment":"neutral","sentiment_score":-0.025851679344971974},{"text":"No problem.","start":582.92505,"end":583.48505,"sentiment":"neutral","sentiment_score":0.3003240376710892},{"text":"Thanks, Shanti.","start":583.48505,"end":584.205,"sentiment":"positive","sentiment_score":0.4212428629398346},{"text":"You too.","start":584.205,"end":584.60504,"sentiment":"neutral","sentiment_score":0.24322468042373657},{"text":"And then, yeah, you'll be sort of in six months' time.","start":584.60504,"end":587.085,"sentiment":"neutral","sentiment_score":0.07860662635754455}],"sentiment":"neutral","sentiment_score":0.059246599625207876,"num_words":38,"start":571.18,"end":587.085},{"sentences":[{"text":"You'll be due for your annual review anyway, and we'll be having another conversation then at least just to touch base with things and see how everything's going.","start":587.085,"end":593.4,"sentiment":"neutral","sentiment_score":0.317294251705919},{"text":"Too easy.","start":596.10004,"end":596.74,"sentiment":"positive","sentiment_score":0.5320788472890854},{"text":"Enjoy the rest of your day, Shanti.","start":596.74,"end":597.94,"sentiment":"positive","sentiment_score":0.7384155222347805},{"text":"Thanks for your time.","start":597.94,"end":598.92,"sentiment":"positive","sentiment_score":0.6993730813264847},{"text":"Bye.","start":599.78,"end":600.28,"sentiment":"neutral","sentiment_score":-0.114615336060524}],"sentiment":"positive","sentiment_score":0.42381386636268525,"num_words":42,"start":587.085,"end":600.28}]}}]},{"alternatives":[{"transcript":"Hi. Good morning. Good, Kyle. How are you today? Yeah. Yeah. Shanti Kalal twenty January nineteen eighty one. 317 Collier Avenue, Baltazar 6021. Yep. Yep. So I bought bought for 6 or 7, but currently market value is around $6.50. That one that one mortgage is $489.08 5. Yes. Yes. So current home all mortgage on current home is 652. No. No. No. First alone. Yep. 2,000,000, roughly. So what is your recommendation? K. Mhmm. So in general, you don't recommend that, do you? No. Yeah. Okay. Yes. Okay. Okay. And you are there. So let's Yeah. I told you. Thank you. Okay. Cool. Okay. And what about the our super working? How how any plans? What what what do you mean? Yeah. So this is the best one for me? Okay. And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment? Okay. Okay. Okay. Okay. All good then. Anything else for me? No. Okay. All good then. Thank you, Carl. Thanks for your call. Have a lovely day. No problem. All good. Thank you. Appreciate it. Yeah. Thanks. 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Good morning. Good, Kyle. How are you today? Yeah.\n\nYeah. Shanti Kalal twenty January nineteen eighty one. 317 Collier Avenue, Baltazar 6021. Yep. Yep.\n\nSo I bought bought for 6 or 7, but currently market value is around $6.50. That one that one mortgage is $489.08 5. Yes. Yes. So current home all mortgage on current home is 652.\n\nNo. No. No. First alone. Yep.\n\n2,000,000, roughly. So what is your recommendation? K. Mhmm. So in general, you don't recommend that, do you?\n\nNo. Yeah. Okay. Yes. Okay.\n\nOkay. And you are there. So let's Yeah. I told you. Thank you.\n\nOkay. Cool. Okay. And what about the our super working? How how any plans?\n\nWhat what what do you mean? Yeah. So this is the best one for me? Okay. And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment?\n\nOkay. Okay. Okay. Okay. All good then.\n\nAnything else for me? No. Okay. All good then. Thank you, Carl.\n\nThanks for your call. Have a lovely day. No problem. All good. Thank you.\n\nAppreciate it. Yeah. Thanks. Bye bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.28,"end":1.52,"sentiment":"neutral","sentiment_score":0.19953665137290957},{"text":"Good morning.","start":1.52,"end":2.26,"sentiment":"positive","sentiment_score":0.3680146485567093},{"text":"Good, Kyle.","start":6.0,"end":6.56,"sentiment":"positive","sentiment_score":0.3892728090286255},{"text":"How are you today?","start":6.56,"end":7.62,"sentiment":"neutral","sentiment_score":0.32735610008239746},{"text":"Yeah.","start":13.12,"end":13.62,"sentiment":"positive","sentiment_score":0.3969407677650452}],"sentiment":"positive","sentiment_score":0.3420476734638214,"num_words":10,"start":1.28,"end":13.62},{"sentences":[{"text":"Yeah.","start":22.925,"end":23.085,"sentiment":"neutral","sentiment_score":0.08613747358322144},{"text":"Shanti Kalal twenty January nineteen eighty one.","start":23.085,"end":25.904999,"sentiment":"neutral","sentiment_score":0.05573182100696223},{"text":"317 Collier Avenue, Baltazar 6021.","start":30.5,"end":33.8,"sentiment":"neutral","sentiment_score":0.028122963942587377},{"text":"Yep.","start":43.675,"end":44.175,"sentiment":"neutral","sentiment_score":0.03718530386686325},{"text":"Yep.","start":53.035,"end":53.535,"sentiment":"neutral","sentiment_score":-0.004189414903521538}],"sentiment":"neutral","sentiment_score":0.04332472862054904,"num_words":15,"start":22.925,"end":53.535},{"sentences":[{"text":"So I bought bought for 6 or 7, but currently market value is around $6.50.","start":62.239998,"end":67.38,"sentiment":"neutral","sentiment_score":-0.02182054261987408},{"text":"That one that one mortgage is $489.08 5.","start":73.055,"end":78.274994,"sentiment":"neutral","sentiment_score":0.002262924157548696},{"text":"Yes.","start":83.96,"end":84.36,"sentiment":"neutral","sentiment_score":0.008652661927044392},{"text":"Yes.","start":84.36,"end":84.76,"sentiment":"neutral","sentiment_score":0.008222682401537895},{"text":"So current home all mortgage on current home is 652.","start":84.76,"end":93.340004,"sentiment":"neutral","sentiment_score":-0.00116013428196311}],"sentiment":"neutral","sentiment_score":-0.00868373555796487,"num_words":35,"start":62.239998,"end":93.340004},{"sentences":[{"text":"No.","start":101.635,"end":102.135,"sentiment":"neutral","sentiment_score":-0.13352236151695251},{"text":"No.","start":102.915,"end":103.415,"sentiment":"neutral","sentiment_score":-0.1475422978401184},{"text":"No.","start":104.195,"end":104.354996,"sentiment":"neutral","sentiment_score":-0.12519648671150208},{"text":"First alone.","start":104.354996,"end":105.095,"sentiment":"neutral","sentiment_score":-0.10054236277937889},{"text":"Yep.","start":116.65,"end":117.15,"sentiment":"neutral","sentiment_score":0.00408205296844244}],"sentiment":"neutral","sentiment_score":-0.10054396977648139,"num_words":6,"start":101.635,"end":117.15},{"sentences":[{"text":"2,000,000, roughly.","start":128.775,"end":130.235,"sentiment":"neutral","sentiment_score":-0.012301720213145018},{"text":"So what is your recommendation?","start":205.69,"end":206.99,"sentiment":"neutral","sentiment_score":-0.08751090914011002},{"text":"K.","start":280.625,"end":281.125,"sentiment":"neutral","sentiment_score":-0.010841143317520618},{"text":"Mhmm.","start":294.27,"end":294.77,"sentiment":"neutral","sentiment_score":-0.0409696064889431},{"text":"So in general, you don't recommend that, do you?","start":295.71,"end":298.98502,"sentiment":"neutral","sentiment_score":-0.11364906653761864}],"sentiment":"neutral","sentiment_score":-0.08537835193177064,"num_words":18,"start":128.775,"end":298.98502},{"sentences":[{"text":"No.","start":302.48502,"end":302.98502,"sentiment":"neutral","sentiment_score":-0.2140902280807495},{"text":"Yeah.","start":303.445,"end":303.945,"sentiment":"neutral","sentiment_score":0.015469856560230257},{"text":"Okay.","start":306.565,"end":307.065,"sentiment":"neutral","sentiment_score":0.0035496819764375687},{"text":"Yes.","start":312.08502,"end":312.58502,"sentiment":"neutral","sentiment_score":-0.001340806484222412},{"text":"Okay.","start":349.63,"end":350.03,"sentiment":"neutral","sentiment_score":0.019095052033662796}],"sentiment":"neutral","sentiment_score":-0.03546328879892826,"num_words":5,"start":302.48502,"end":350.03},{"sentences":[{"text":"Okay.","start":350.03,"end":350.51,"sentiment":"neutral","sentiment_score":0.04767578840255737},{"text":"And you are there.","start":350.51,"end":351.47,"sentiment":"neutral","sentiment_score":0.044393595308065414},{"text":"So let's Yeah.","start":351.47,"end":353.79,"sentiment":"neutral","sentiment_score":0.04828431581457456},{"text":"I told you.","start":353.79,"end":355.87,"sentiment":"neutral","sentiment_score":0.06807395443320274},{"text":"Thank you.","start":355.87,"end":356.61002,"sentiment":"neutral","sentiment_score":0.20591582357883453}],"sentiment":"neutral","sentiment_score":0.07585820211814,"num_words":13,"start":350.03,"end":356.61002},{"sentences":[{"text":"Okay.","start":374.84,"end":375.34,"sentiment":"neutral","sentiment_score":0.17237845063209534},{"text":"Cool.","start":375.4,"end":375.9,"sentiment":"neutral","sentiment_score":0.20556098222732544},{"text":"Okay.","start":376.68,"end":377.18,"sentiment":"neutral","sentiment_score":0.07977482676506042},{"text":"And what about the our super working?","start":377.24,"end":380.6,"sentiment":"positive","sentiment_score":0.389624433858054},{"text":"How how any plans?","start":380.6,"end":382.06,"sentiment":"neutral","sentiment_score":0.08630856685340405}],"sentiment":"neutral","sentiment_score":0.252165683146034,"num_words":14,"start":374.84,"end":382.06},{"sentences":[{"text":"What what what do you mean?","start":382.44,"end":384.06,"sentiment":"neutral","sentiment_score":-0.0044321706518530846},{"text":"Yeah.","start":431.305,"end":431.64,"sentiment":"neutral","sentiment_score":0.14570419490337372},{"text":"So this is the best one for me?","start":431.72,"end":439.75,"sentiment":"neutral","sentiment_score":0.2614937461912632},{"text":"Okay.","start":469.36002,"end":469.84,"sentiment":"neutral","sentiment_score":-0.0012382902204990387},{"text":"And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment?","start":469.84,"end":478.995,"sentiment":"neutral","sentiment_score":0.047633955388196876}],"sentiment":"neutral","sentiment_score":0.08053576366298577,"num_words":44,"start":382.44,"end":478.995},{"sentences":[{"text":"Okay.","start":545.07,"end":545.57,"sentiment":"neutral","sentiment_score":0.03550785779953003},{"text":"Okay.","start":548.11,"end":548.19,"sentiment":"neutral","sentiment_score":0.0825488269329071},{"text":"Okay.","start":548.19,"end":548.69,"sentiment":"neutral","sentiment_score":0.09871311485767365},{"text":"Okay.","start":548.75,"end":548.99,"sentiment":"neutral","sentiment_score":0.1385045349597931},{"text":"All good then.","start":548.99,"end":549.87,"sentiment":"positive","sentiment_score":0.3606509367624919}],"sentiment":"neutral","sentiment_score":0.20531816354819707,"num_words":7,"start":545.07,"end":549.87},{"sentences":[{"text":"Anything else for me?","start":549.87,"end":551.25,"sentiment":"neutral","sentiment_score":0.1537223942577839},{"text":"No.","start":574.44,"end":574.94,"sentiment":"neutral","sentiment_score":-0.11520680785179138},{"text":"Okay.","start":577.31995,"end":577.81995,"sentiment":"neutral","sentiment_score":0.22328811883926392},{"text":"All good then.","start":577.87994,"end":578.83997,"sentiment":"positive","sentiment_score":0.4876985748608907},{"text":"Thank you, Carl.","start":578.83997,"end":579.56,"sentiment":"positive","sentiment_score":0.6394233703613281}],"sentiment":"positive","sentiment_score":0.34202806030710536,"num_words":12,"start":549.87,"end":579.56},{"sentences":[{"text":"Thanks for your call.","start":579.56,"end":580.69995,"sentiment":"positive","sentiment_score":0.6975124925374985},{"text":"Have a lovely day.","start":580.75995,"end":581.98,"sentiment":"positive","sentiment_score":0.6280203014612198},{"text":"No problem.","start":594.135,"end":594.77496,"sentiment":"positive","sentiment_score":0.49843908846378326},{"text":"All good.","start":594.77496,"end":595.255,"sentiment":"positive","sentiment_score":0.661531388759613},{"text":"Thank you.","start":595.255,"end":595.8809,"sentiment":"positive","sentiment_score":0.7830144762992859}],"sentiment":"positive","sentiment_score":0.6562929345028741,"num_words":14,"start":579.56,"end":595.8809},{"sentences":[{"text":"Appreciate it.","start":595.96094,"end":596.8609,"sentiment":"positive","sentiment_score":0.5720438659191132},{"text":"Yeah.","start":598.1209,"end":598.3609,"sentiment":"positive","sentiment_score":0.505267858505249},{"text":"Thanks.","start":598.3609,"end":598.7609,"sentiment":"positive","sentiment_score":0.6895599365234375},{"text":"Bye bye bye.","start":598.7609,"end":599.66095,"sentiment":"neutral","sentiment_score":0.24130388597647348}],"sentiment":"positive","sentiment_score":0.43754674068519045,"num_words":7,"start":595.96094,"end":599.66095}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Good morning.\n\nChannel 0: Good morning, Shanti. It's Carl calling from OPU Financial. How are you today?\n\nChannel 1: Good, Kyle. How are you today?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I've already scheduled you in for a bit of a catch up this morning. Is now still a good time?\n\nChannel 1: Yeah.\n\nChannel 0: Brilliant. Just to get started on that one, Deshant, if I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that today.\n\nChannel 1: Yeah. Shanti Kalal twenty January nineteen eighty one.\n\nChannel 0: Perfect. And then just your current address there for me, please?\n\nChannel 1: 317 Collier Avenue, Baltazar 6021.\n\nChannel 0: Perfect, Ashanti. Thank you for that one. And I definitely know these calls are recorded for quality and training purposes. Now I did have you scheduled in for just a general catch up just in regards to how things are going in\n\nChannel 1: Yep.\n\nChannel 0: addition to you've purchased another property from my understanding. Is that correct? Yep. Is that in an investment property?\n\nChannel 1: Yep.\n\nChannel 0: I mean, do you know roughly how much that one's worked like market value wise?\n\nChannel 1: So I bought bought for 6 or 7, but currently market value is around $6.50.\n\nChannel 0: $6.50. Perfect. And the current mortgage on that one?\n\nChannel 1: That one that one mortgage is $489.08 5.\n\nChannel 0: 45. And then did you use any redraw on your current home there at all?\n\nChannel 1: Yes. Yes. So current home all mortgage on current home is 652.\n\nChannel 0: 652. Yep. And then with that one as well, do you still have that personal loan that you had when we previously spoke, or is that\n\nChannel 1: No.\n\nChannel 0: locked into the refinancing?\n\nChannel 1: No. No. First alone.\n\nChannel 0: Perfect. And now my understanding is you wanted to potentially revisit your insurances just given your your level of debt and how that may have changed. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So with that one there, Shanti, I was having a re review of your policies. Now with that one there, are you still aware of what cover amounts you're covered for at the moment?\n\nChannel 1: 2,000,000, roughly.\n\nChannel 0: Yeah. Yeah. Roughly 2,000,000 plus the the trauma and the income protection, which you pay through through super and the trauma's out of pocket with half of the the TPD portion. Now with that there, Shanti, you're currently paying around 35.8% of your contributions already towards insurances. Now as a general rule of thumb, we don't particularly like going over 30 because that does eat into, like, your superannuation contributions that go towards growth and can really sort of impact your your balance over time and growing that superannuation.\n\nNow with in regards to the debt you have taken on, your level of debt hasn't changed, like, a crazy amount given that you've put it into a new investment property. Now given your current policy, you do currently cover your your debt, plus in addition to that, a number of years income replacement if anything were to happen. Now we obviously can look at increasing the cover, but, obviously, we cover it does increase as you get older as well. So that policy is only gonna get more expensive, especially if you do increase it as well now, if that makes sense. Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that?\n\nOr\n\nChannel 1: So what is your recommendation?\n\nChannel 0: well, generally, we don't insure for investment properties anyway because in the worst case scenario, if you were to be somewhat injured or sick or unable to maintain that property via your finances, you could look to sell that property and then put that money back towards your your current debts as well. So as a a rule of thumb, normally, we exclude investment properties, debt levels anyway. And even considering your home loan plus your income and replacing that income even before tax, if you take into account the the $2,000,000 you're currently covered for, if you take off your your current level of debt for the just primary residence from that one, you still got 1.35 worth of, like, cover. And if you look at income replacement before even you take into account the tax side of things, that's, like, 17.5 income replacement still, which is really still quite considerable. And to increase it more than that, you really would be hindering the growth within your super given that your balance is on the lower end, You know, coming and working in Australia there as well and having that superannuation fund sitting at I believe it's I'll just check the current balance.\n\nYeah. It's around the $4,040,000 there currently.\n\nChannel 1: K.\n\nChannel 0: So if you're putting more of that towards premiums, insurance premiums, even though your risk mitigation is, like, then increase, you are paying for that cost out of, like, your retirement savings at the end of the day as well.\n\nChannel 1: Mhmm. So in general,\n\nChannel 0: If\n\nChannel 1: you don't recommend that, do you?\n\nChannel 0: I I wouldn't look to increase it just because you do\n\nChannel 1: No.\n\nChannel 0: have quite a considerable\n\nChannel 1: Yeah.\n\nChannel 0: adequate amount of coverage currently. And even though\n\nChannel 1: Okay.\n\nChannel 0: I know you are the this whole breadwinner, even taking into consideration just the debt of your home loan\n\nChannel 1: Yes.\n\nChannel 0: and then not the investment property debt, and then which you would be able to potentially sell and get back the equity from that as well, and then not considering the offset of your superannuation either, you'd still have seventeen point five years of your income replaced, and that's not taking into account, obviously, you know, your take home pay versus your gross pay. That's just gross pay. And then, obviously, TPD does get taxed at some level. But, yeah, it would be, you know, roughly at least fifteen years worth of, like, income replacement to take into consideration roughly, you know, things like taxes and stuff like that as well. This is a testament.\n\nIf that\n\nChannel 1: Okay. Okay. And\n\nChannel 0: makes\n\nChannel 1: you are there. So let's\n\nChannel 0: sense. Yeah.\n\nChannel 1: Yeah. I told\n\nChannel 0: And as\n\nChannel 1: you.\n\nChannel 0: I said,\n\nChannel 1: Thank you.\n\nChannel 0: like, just because, yeah, the you're currently at 35% of your current contributions. And then if your your income was to increase considerably, then you might wanna look at revisiting it because then you have a little bit more, like, cash flow to play with going into your superannuation. But your your policy is still more than adequate for your current situation there, Shanti.\n\nChannel 1: Okay. Cool. Okay. And\n\nChannel 0: Perfect.\n\nChannel 1: what about the our super working? How how any plans? What what what do you mean?\n\nChannel 0: So since you got invested in July, like, sort of late July there, there has been a bit of turbulence sort of at the back end of the the market at the end of last year, start of this year. So it did go up and down a little bit. It's made about the 4.4% before fees, and then taking into consideration all the upfront costs of paying for the advice coming on board and the fees so far as well, you have broken even. You've gone sort of positive again in terms of, like, you've recouped that cost that you have paid forward in that. And then the total earnings is sitting around the the 1,800 mark, which is a bit under point four of a percent, but that's obviously taking into consideration those upfront fee costs as well, if that makes sense.\n\nChannel 1: Yeah. So this is the best one\n\nChannel 0: Yeah. Currently, it's still doing quite well. Like, obviously,\n\nChannel 1: for me?\n\nChannel 0: they're in the global side of things that started this year hasn't been a great start, and then the the tech sector has taken a bit of a backward return there, but the rest of your portfolio still is tracking quite nicely. And given that you've been on board for for less than that twelve months, we'd at least sort of see what happens for the the remaining twelve months. And normally, the first year of growth is the the worst just given the fact that you you're paying for that upfront advice at the start of the process there as well, which you don't pay again going forward.\n\nChannel 1: Okay. And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment?\n\nChannel 0: As I said, the the the current investments you do hold, like, obviously, towards up until October, they were traveling quite well. I think it was, like, a 7.6% return. Obviously, towards the end of last year and start of this year, it has gone down a little bit. But then also in regards to your portfolio as well, it it is in a a more of a growth option there as well. Being in a high gross, it's that ninety ten split, so you do see a lot of fluctuations, and you do wanna, like, it is long term investing at the end of the day there as well.\n\nAnd your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing. And then at the moment, a lot of those managed portfolios aren't doing too great either. They're doing worse than what your current portfolio is doing in the markets. So at twelve months, we'll still have a look and see how things are tracking. But as I said, generally, for the level of investment you have in growth assets, you're looking at sort of that, you know, three to five year before you start to potentially look at maybe modifying things if it's not tracking sort of well just to get the returns out of those growth assets because they are like a long term investment.\n\nIt is that seven to eight year sort of time horizon sort of thing,\n\nChannel 1: Okay.\n\nChannel 0: if if that makes sense.\n\nChannel 1: Okay. Okay. Okay. All good then. Anything else for me?\n\nChannel 0: No. If you got any other questions, obviously, I'm happy to answer them. But other than that, that's sort of how your your super has been tracking so far. As I said, still a positive return, and you've recouped some of those upfront costs that you did pay there, which you won't be paying again in terms of upfront costs. You've obviously got the ongoings, but the majority of the cost comes when you first come on board there.\n\nAnd then moving forward from that, obviously, you pay\n\nChannel 1: No.\n\nChannel 0: a little bit less to stay on board as a a client.\n\nChannel 1: Okay. All good then. Thank you, Carl. Thanks for your call. Have a lovely day.\n\nChannel 0: No problem. Thanks, Shanti. You too. And then, yeah, you'll be sort of in six months' time. You'll be due for your annual review anyway, and we'll be having another conversation then at least just to touch base with things and see how everything's going.\n\nChannel 1: No problem. All good. Thank you. Appreciate\n\nChannel 0: Too easy.\n\nChannel 1: it.\n\nChannel 0: Enjoy the rest of your day, Shanti. Thanks\n\nChannel 1: Yeah.\n\nChannel 0: for your\n\nChannel 1: Thanks.\n\nChannel 0: time.\n\nChannel 1: Bye bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.28,"end":1.52,"sentiment":"neutral","sentiment_score":0.19953665137290957},{"text":"Good morning.","start":1.52,"end":2.26,"sentiment":"positive","sentiment_score":0.3680146485567093}],"sentiment":"neutral","sentiment_score":0.3118553161621094,"channel":1,"num_words":3,"start":1.28,"end":2.26},{"sentences":[{"text":"Good morning, Shanti.","start":2.48,"end":3.1999998,"sentiment":"positive","sentiment_score":0.4517003099123637},{"text":"It's Carl calling from OPU Financial.","start":3.1999998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.25433725366989773},{"text":"How are you today?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.29850322008132935}],"sentiment":"neutral","sentiment_score":0.31347210246783036,"channel":0,"num_words":13,"start":2.48,"end":5.62},{"sentences":[{"text":"Good, Kyle.","start":6.0,"end":6.56,"sentiment":"positive","sentiment_score":0.3892728090286255},{"text":"How are you today?","start":6.56,"end":7.62,"sentiment":"neutral","sentiment_score":0.32735610008239746}],"sentiment":"positive","sentiment_score":0.34799500306447345,"channel":1,"num_words":6,"start":6.0,"end":7.62},{"sentences":[{"text":"Yeah.","start":7.8399997,"end":8.16,"sentiment":"neutral","sentiment_score":0.22553451359272003},{"text":"Not too bad at all.","start":8.16,"end":9.04,"sentiment":"neutral","sentiment_score":0.2800773769617081},{"text":"Thanks for asking.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.6225482225418091},{"text":"I've already scheduled you in for a bit of a catch up this morning.","start":9.76,"end":11.44,"sentiment":"positive","sentiment_score":0.3415624350309372},{"text":"Is now still a good time?","start":11.44,"end":12.555,"sentiment":"neutral","sentiment_score":0.2580001776417096}],"sentiment":"positive","sentiment_score":0.33873935249345055,"channel":0,"num_words":29,"start":7.8399997,"end":12.555},{"sentences":[{"text":"Yeah.","start":13.12,"end":13.62,"sentiment":"positive","sentiment_score":0.3969407677650452}],"sentiment":"positive","sentiment_score":0.3969407677650452,"channel":1,"num_words":1,"start":13.12,"end":13.62},{"sentences":[{"text":"Brilliant.","start":14.315001,"end":14.815001,"sentiment":"positive","sentiment_score":0.6020830869674683},{"text":"Just to get started on that one, Deshant, if I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that today.","start":15.275001,"end":22.095001,"sentiment":"neutral","sentiment_score":0.30327928299084306}],"sentiment":"neutral","sentiment_score":0.31233394371740747,"channel":0,"num_words":33,"start":14.315001,"end":22.095001},{"sentences":[{"text":"Yeah.","start":22.925,"end":23.085,"sentiment":"neutral","sentiment_score":0.08613747358322144},{"text":"Shanti Kalal twenty January nineteen eighty one.","start":23.085,"end":25.904999,"sentiment":"neutral","sentiment_score":0.05573182100696223}],"sentiment":"neutral","sentiment_score":0.05953252757899463,"channel":1,"num_words":8,"start":22.925,"end":25.904999},{"sentences":[{"text":"Perfect.","start":27.449999,"end":27.85,"sentiment":"neutral","sentiment_score":0.2691473960876465},{"text":"And then just your current address there for me, please?","start":27.85,"end":30.349998,"sentiment":"neutral","sentiment_score":0.061028638109564784}],"sentiment":"neutral","sentiment_score":0.0799485251984813,"channel":0,"num_words":11,"start":27.449999,"end":30.349998},{"sentences":[{"text":"317 Collier Avenue, Baltazar 6021.","start":30.5,"end":33.8,"sentiment":"neutral","sentiment_score":0.028122963942587377}],"sentiment":"neutral","sentiment_score":0.028122963942587377,"channel":1,"num_words":5,"start":30.5,"end":33.8},{"sentences":[{"text":"Perfect, Ashanti.","start":34.01,"end":34.809998,"sentiment":"positive","sentiment_score":0.42726755142211914},{"text":"Thank you for that one.","start":34.809998,"end":35.69,"sentiment":"positive","sentiment_score":0.6028405666351319},{"text":"And I definitely know these calls are recorded for quality and training purposes.","start":35.69,"end":38.57,"sentiment":"neutral","sentiment_score":0.24586487733400786},{"text":"Now I did have you scheduled in for just a general catch up just in regards to how things are going in","start":38.57,"end":43.824997,"sentiment":"neutral","sentiment_score":0.07189290191639554}],"sentiment":"neutral","sentiment_score":0.20587202817911193,"channel":0,"num_words":42,"start":34.01,"end":43.824997},{"sentences":[{"text":"Yep.","start":43.675,"end":44.175,"sentiment":"neutral","sentiment_score":0.03718530386686325}],"sentiment":"neutral","sentiment_score":0.03718530386686325,"channel":1,"num_words":1,"start":43.675,"end":44.175},{"sentences":[{"text":"addition to you've purchased another property from my understanding.","start":43.824997,"end":47.425,"sentiment":"neutral","sentiment_score":0.006814208813011646},{"text":"Is that correct?","start":47.425,"end":48.245,"sentiment":"neutral","sentiment_score":0.012240597978234291},{"text":"Yep.","start":50.225,"end":50.464996,"sentiment":"neutral","sentiment_score":0.0003894002584274858},{"text":"Is that in an investment property?","start":50.464996,"end":52.405,"sentiment":"neutral","sentiment_score":-0.00889774008343617}],"sentiment":"neutral","sentiment_score":0.0023711912110325343,"channel":0,"num_words":19,"start":43.824997,"end":52.405},{"sentences":[{"text":"Yep.","start":53.035,"end":53.535,"sentiment":"neutral","sentiment_score":-0.004189414903521538}],"sentiment":"neutral","sentiment_score":-0.004189414903521538,"channel":1,"num_words":1,"start":53.035,"end":53.535},{"sentences":[{"text":"I mean, do you know roughly how much that one's worked like market value wise?","start":56.24,"end":59.940002,"sentiment":"neutral","sentiment_score":-0.017248863726854323}],"sentiment":"neutral","sentiment_score":-0.017248863726854323,"channel":0,"num_words":15,"start":56.24,"end":59.940002},{"sentences":[{"text":"So I bought bought for 6 or 7, but currently market value is around $6.50.","start":62.239998,"end":67.38,"sentiment":"neutral","sentiment_score":-0.02182054261987408}],"sentiment":"neutral","sentiment_score":-0.02182054261987408,"channel":1,"num_words":15,"start":62.239998,"end":67.38},{"sentences":[{"text":"$6.50.","start":68.494995,"end":69.314995,"sentiment":"neutral","sentiment_score":0.019810840487480164},{"text":"Perfect.","start":69.534996,"end":70.034996,"sentiment":"neutral","sentiment_score":0.09922021627426147},{"text":"And the current mortgage on that one?","start":70.09499,"end":72.034996,"sentiment":"neutral","sentiment_score":0.015879628780697073}],"sentiment":"neutral","sentiment_score":0.02557649535851346,"channel":0,"num_words":9,"start":68.494995,"end":72.034996},{"sentences":[{"text":"That one that one mortgage is $489.08 5.","start":73.055,"end":78.274994,"sentiment":"neutral","sentiment_score":0.002262924157548696}],"sentiment":"neutral","sentiment_score":0.002262924157548696,"channel":1,"num_words":8,"start":73.055,"end":78.274994},{"sentences":[{"text":"45.","start":79.149994,"end":79.78999,"sentiment":"neutral","sentiment_score":0.004916088655591011},{"text":"And then did you use any redraw on your current home there at all?","start":79.78999,"end":83.89,"sentiment":"neutral","sentiment_score":-0.01453199443806495}],"sentiment":"neutral","sentiment_score":-0.013235455565154552,"channel":0,"num_words":15,"start":79.149994,"end":83.89},{"sentences":[{"text":"Yes.","start":83.96,"end":84.36,"sentiment":"neutral","sentiment_score":0.008652661927044392},{"text":"Yes.","start":84.36,"end":84.76,"sentiment":"neutral","sentiment_score":0.008222682401537895},{"text":"So current home all mortgage on current home is 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correct?","start":115.200005,"end":116.020004,"sentiment":"neutral","sentiment_score":-0.012031316136320433}],"sentiment":"neutral","sentiment_score":-0.06070551346859027,"channel":0,"num_words":29,"start":108.16,"end":116.020004},{"sentences":[{"text":"Yep.","start":116.65,"end":117.15,"sentiment":"neutral","sentiment_score":0.00408205296844244}],"sentiment":"neutral","sentiment_score":0.00408205296844244,"channel":1,"num_words":1,"start":116.65,"end":117.15},{"sentences":[{"text":"Yep.","start":117.555,"end":118.034996,"sentiment":"neutral","sentiment_score":0.0026886030100286007},{"text":"So with that one there, Shanti, I was having a re review of your policies.","start":118.034996,"end":121.895,"sentiment":"neutral","sentiment_score":-0.020776374762256942},{"text":"Now with that one there, are you still aware of what cover amounts you're covered for at the moment?","start":121.954994,"end":126.774994,"sentiment":"neutral","sentiment_score":-0.03111699723491543}],"sentiment":"neutral","sentiment_score":-0.02571942759677768,"channel":0,"num_words":35,"start":117.555,"end":126.774994},{"sentences":[{"text":"2,000,000, roughly.","start":128.775,"end":130.235,"sentiment":"neutral","sentiment_score":-0.012301720213145018}],"sentiment":"neutral","sentiment_score":-0.012301720213145018,"channel":1,"num_words":2,"start":128.775,"end":130.235},{"sentences":[{"text":"Yeah.","start":130.45001,"end":130.61,"sentiment":"neutral","sentiment_score":0.006093043833971024},{"text":"Yeah.","start":130.61,"end":130.77,"sentiment":"neutral","sentiment_score":-0.022237980738282204},{"text":"Roughly 2,000,000 plus the the trauma and the income protection, which you pay through through super and the trauma's out of pocket with half of the the TPD portion.","start":130.77,"end":140.87001,"sentiment":"negative","sentiment_score":-0.3948348616731578},{"text":"Now with that there, Shanti, you're currently paying around 35.8% of your contributions already towards insurances.","start":141.285,"end":147.94499,"sentiment":"neutral","sentiment_score":-0.046799288073088974},{"text":"Now as a general rule of thumb, we don't particularly like going over 30 because that does eat into, like, your superannuation contributions that go towards growth and can really sort of impact your your balance over time and growing that superannuation.","start":148.645,"end":162.0,"sentiment":"negative","sentiment_score":-0.4653191488413584}],"sentiment":"negative","sentiment_score":-0.3568376268082288,"channel":0,"num_words":89,"start":130.45001,"end":162.0},{"sentences":[{"text":"Now with in regards to the debt you have taken on, your level of debt hasn't changed, like, a crazy amount given that you've put it into a new investment property.","start":162.94,"end":173.855,"sentiment":"neutral","sentiment_score":-0.2777327171737148},{"text":"Now given your current policy, you do currently cover your your debt, plus in addition to that, a number of years income replacement if anything were to happen.","start":173.855,"end":182.91501,"sentiment":"neutral","sentiment_score":-0.13616414235106536},{"text":"Now we obviously can look at increasing the cover, but, obviously, we cover it does increase as you get older as well.","start":183.295,"end":189.4,"sentiment":"neutral","sentiment_score":-0.28743127462538803},{"text":"So that policy is only gonna get more expensive, especially if you do increase it as well now, if that makes sense.","start":189.62,"end":195.4,"sentiment":"negative","sentiment_score":-0.53812783008272},{"text":"Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that?","start":197.075,"end":203.075,"sentiment":"neutral","sentiment_score":-0.16999966975139535}],"sentiment":"neutral","sentiment_score":-0.27376668988948777,"channel":0,"num_words":126,"start":162.94,"end":203.075},{"sentences":[{"text":"Or","start":203.075,"end":203.575,"sentiment":"neutral","sentiment_score":-0.07713636755943298}],"sentiment":"neutral","sentiment_score":-0.07713636755943298,"channel":0,"num_words":1,"start":203.075,"end":203.575},{"sentences":[{"text":"So what is your recommendation?","start":205.69,"end":206.99,"sentiment":"neutral","sentiment_score":-0.08751090914011002}],"sentiment":"neutral","sentiment_score":-0.08751090914011002,"channel":1,"num_words":5,"start":205.69,"end":206.99},{"sentences":[{"text":"well, generally, we don't insure for investment properties anyway because in the worst case scenario, if you were to be somewhat injured or sick or unable to maintain that property via your finances, you could look to sell that property and then put that money back towards your your current debts as well.","start":208.435,"end":226.205,"sentiment":"negative","sentiment_score":-0.40763597190380096},{"text":"So as a a rule of thumb, normally, we exclude investment properties, debt levels anyway.","start":226.205,"end":231.905,"sentiment":"neutral","sentiment_score":-0.17635071376959482},{"text":"And even considering your home loan plus your income and replacing that income even before tax, if you take into account the the $2,000,000 you're currently covered for, if you take off your your current level of debt for the just primary residence from that one, you still got 1.35 worth of, like, cover.","start":232.125,"end":251.84999,"sentiment":"neutral","sentiment_score":-0.12367309595423716},{"text":"And if you look at income replacement before even you take into account the tax side of things, that's, like, 17.5 income replacement still, which is really still quite considerable.","start":251.945,"end":261.165,"sentiment":"neutral","sentiment_score":-0.27254358207186064},{"text":"And to increase it more than that, you really would be hindering the growth within your super given that your balance is on the lower end, You know, coming and working in Australia there as well and having that superannuation fund sitting at I believe it's I'll just check the current balance.","start":261.625,"end":277.44,"sentiment":"negative","sentiment_score":-0.34914494391817313}],"sentiment":"neutral","sentiment_score":-0.28068705365134805,"channel":0,"num_words":204,"start":208.435,"end":277.44},{"sentences":[{"text":"Yeah.","start":277.44,"end":277.6,"sentiment":"neutral","sentiment_score":-0.029710285365581512},{"text":"It's around the $4,040,000 there 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you?","start":296.50998,"end":298.98502,"sentiment":"neutral","sentiment_score":-0.1422708841661612}],"sentiment":"neutral","sentiment_score":-0.1422708841661612,"channel":1,"num_words":6,"start":296.50998,"end":298.98502},{"sentences":[{"text":"I I wouldn't look to increase it just because you do","start":299.78,"end":302.58002,"sentiment":"neutral","sentiment_score":-0.1966422525319186}],"sentiment":"neutral","sentiment_score":-0.1966422525319186,"channel":0,"num_words":11,"start":299.78,"end":302.58002},{"sentences":[{"text":"No.","start":302.48502,"end":302.98502,"sentiment":"neutral","sentiment_score":-0.2140902280807495}],"sentiment":"neutral","sentiment_score":-0.2140902280807495,"channel":1,"num_words":1,"start":302.48502,"end":302.98502},{"sentences":[{"text":"have quite a 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Shanti.","start":370.07498,"end":374.175,"sentiment":"neutral","sentiment_score":0.06165717343489329}],"sentiment":"neutral","sentiment_score":0.041754908801522106,"channel":0,"num_words":64,"start":356.13,"end":374.175},{"sentences":[{"text":"Okay.","start":374.84,"end":375.34,"sentiment":"neutral","sentiment_score":0.17237845063209534},{"text":"Cool.","start":375.4,"end":375.9,"sentiment":"neutral","sentiment_score":0.20556098222732544},{"text":"Okay.","start":376.68,"end":377.18,"sentiment":"neutral","sentiment_score":0.07977482676506042},{"text":"And","start":377.24,"end":377.74,"sentiment":"neutral","sentiment_score":0.31202253699302673}],"sentiment":"neutral","sentiment_score":0.19243419915437698,"channel":1,"num_words":4,"start":374.84,"end":377.74},{"sentences":[{"text":"Perfect.","start":377.56,"end":378.06,"sentiment":"positive","sentiment_score":0.6672580242156982}],"sentiment":"positive","sentiment_score":0.6672580242156982,"channel":0,"num_words":1,"start":377.56,"end":378.06},{"sentences":[{"text":"what about the our super working?","start":377.88,"end":380.6,"sentiment":"positive","sentiment_score":0.4025580833355586},{"text":"How how any plans?","start":380.6,"end":382.06,"sentiment":"neutral","sentiment_score":0.08630856685340405},{"text":"What what what do you mean?","start":382.44,"end":384.06,"sentiment":"neutral","sentiment_score":-0.0044321706518530846}],"sentiment":"neutral","sentiment_score":0.17087435896974057,"channel":1,"num_words":16,"start":377.88,"end":384.06},{"sentences":[{"text":"So since you got invested in July, like, sort of late July there, there has been a bit of turbulence sort of at the back end of the the market at the end of last year, start of this year.","start":384.6,"end":395.875,"sentiment":"neutral","sentiment_score":-0.20103962756693364},{"text":"So it did go up and down a little bit.","start":395.875,"end":398.035,"sentiment":"neutral","sentiment_score":-0.1656048223376274},{"text":"It's made about the 4.4% before fees, and then taking into consideration all the upfront costs of paying for the advice coming on board and the fees so far as well, you have broken even.","start":398.035,"end":410.09,"sentiment":"neutral","sentiment_score":0.004322928083794458},{"text":"You've gone sort of positive again in terms of, like, you've recouped that cost that you have paid forward in that.","start":410.09,"end":415.695,"sentiment":"neutral","sentiment_score":0.3254020895276751},{"text":"And then the total earnings is sitting around the the 1,800 mark, which is a bit under point four of a percent, but that's obviously taking into consideration those upfront fee costs as well, if that makes sense.","start":415.695,"end":430.21,"sentiment":"neutral","sentiment_score":0.036064100206682555}],"sentiment":"neutral","sentiment_score":-0.009322577466567358,"channel":0,"num_words":144,"start":384.6,"end":430.21},{"sentences":[{"text":"Yeah.","start":431.305,"end":431.64,"sentiment":"neutral","sentiment_score":0.14570419490337372},{"text":"So this is the best one","start":431.72,"end":433.26,"sentiment":"neutral","sentiment_score":0.3084777543942134}],"sentiment":"neutral","sentiment_score":0.2852243887526648,"channel":1,"num_words":7,"start":431.305,"end":433.26},{"sentences":[{"text":"Yeah.","start":435.38998,"end":435.78998,"sentiment":"positive","sentiment_score":0.36801236867904663},{"text":"Currently, it's still doing quite well.","start":435.78998,"end":438.59,"sentiment":"positive","sentiment_score":0.393173282345136},{"text":"Like, obviously,","start":438.59,"end":439.33,"sentiment":"neutral","sentiment_score":0.1376674696803093}],"sentiment":"positive","sentiment_score":0.3335985557900535,"channel":0,"num_words":9,"start":435.38998,"end":439.33},{"sentences":[{"text":"for me?","start":439.0,"end":439.75,"sentiment":"neutral","sentiment_score":0.12054172158241272}],"sentiment":"neutral","sentiment_score":0.12054172158241272,"channel":1,"num_words":2,"start":439.0,"end":439.75},{"sentences":[{"text":"they're in the global side of things that started this year hasn't been a great start, and then the the tech sector has taken a bit of a backward return there, but the rest of your portfolio still is tracking quite nicely.","start":439.38998,"end":450.045,"sentiment":"neutral","sentiment_score":0.1139113852488143},{"text":"And given that you've been on board for for less than that twelve months, we'd at least sort of see what happens for the the remaining twelve months.","start":450.045,"end":457.03,"sentiment":"neutral","sentiment_score":-0.11272971252245563},{"text":"And normally, the first year of growth is the the worst just given the fact that you you're paying for that upfront advice at the start of the process there as well, which you don't pay again going forward.","start":457.03,"end":467.37,"sentiment":"negative","sentiment_score":-0.3563530819538312}],"sentiment":"neutral","sentiment_score":-0.11256810978328416,"channel":0,"num_words":109,"start":439.38998,"end":467.37},{"sentences":[{"text":"Okay.","start":469.36002,"end":469.84,"sentiment":"neutral","sentiment_score":-0.0012382902204990387},{"text":"And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment?","start":469.84,"end":478.995,"sentiment":"neutral","sentiment_score":0.047633955388196876}],"sentiment":"neutral","sentiment_score":0.04594870553962115,"channel":1,"num_words":29,"start":469.36002,"end":478.995},{"sentences":[{"text":"As I said, the the the current investments you do hold, like, obviously, towards up until October, they were traveling quite well.","start":480.13,"end":487.88998,"sentiment":"neutral","sentiment_score":0.056201526556502686},{"text":"I think it was, like, a 7.6% return.","start":487.88998,"end":490.05,"sentiment":"neutral","sentiment_score":0.08182707475498319},{"text":"Obviously, towards the end of last year and start of this year, it has gone down a little bit.","start":490.05,"end":493.535,"sentiment":"neutral","sentiment_score":-0.20454393640944832},{"text":"But then also in regards to your portfolio as well, it it is in a a more of a growth option there as well.","start":493.535,"end":500.67502,"sentiment":"neutral","sentiment_score":0.030877490683148306},{"text":"Being in a high gross, it's that ninety ten split, so you do see a lot of fluctuations, and you do wanna, like, it is long term investing at the end of the day there as well.","start":501.135,"end":508.94,"sentiment":"neutral","sentiment_score":0.05413310536863031}],"sentiment":"neutral","sentiment_score":0.006806364232166247,"channel":0,"num_words":110,"start":480.13,"end":508.94},{"sentences":[{"text":"And your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing.","start":509.08002,"end":515.0,"sentiment":"neutral","sentiment_score":-0.027365281754596668},{"text":"And then at the moment, a lot of those managed portfolios aren't doing too great either.","start":515.0,"end":519.24,"sentiment":"neutral","sentiment_score":-0.2789210672490299},{"text":"They're doing worse than what your current portfolio is doing in the markets.","start":519.24,"end":522.54504,"sentiment":"negative","sentiment_score":-0.4510797606064723},{"text":"So at twelve months, we'll still have a look and see how things are tracking.","start":523.005,"end":526.205,"sentiment":"neutral","sentiment_score":-0.0693859450519085},{"text":"But as I said, generally, for the level of investment you have in growth assets, you're looking at sort of that, you know, three to five year before you start to potentially look at maybe modifying things if it's not tracking sort of well just to get the returns out of those growth assets because they are like a long term investment.","start":526.205,"end":540.70996,"sentiment":"neutral","sentiment_score":-0.018326518336130727}],"sentiment":"neutral","sentiment_score":-0.10238940214912873,"channel":0,"num_words":128,"start":509.08002,"end":540.70996},{"sentences":[{"text":"It is that seven to eight year sort of time horizon sort of thing,","start":540.70996,"end":543.76996,"sentiment":"neutral","sentiment_score":0.008995683531143836}],"sentiment":"neutral","sentiment_score":0.008995683531143836,"channel":0,"num_words":14,"start":540.70996,"end":543.76996},{"sentences":[{"text":"Okay.","start":545.07,"end":545.57,"sentiment":"neutral","sentiment_score":0.03550785779953003}],"sentiment":"neutral","sentiment_score":0.03550785779953003,"channel":1,"num_words":1,"start":545.07,"end":545.57},{"sentences":[{"text":"if if that makes sense.","start":546.14996,"end":547.44995,"sentiment":"neutral","sentiment_score":0.039413382112979886}],"sentiment":"neutral","sentiment_score":0.039413382112979886,"channel":0,"num_words":5,"start":546.14996,"end":547.44995},{"sentences":[{"text":"Okay.","start":548.11,"end":548.19,"sentiment":"neutral","sentiment_score":0.0825488269329071},{"text":"Okay.","start":548.19,"end":548.69,"sentiment":"neutral","sentiment_score":0.09871311485767365},{"text":"Okay.","start":548.75,"end":548.99,"sentiment":"neutral","sentiment_score":0.1385045349597931},{"text":"All good then.","start":548.99,"end":549.87,"sentiment":"positive","sentiment_score":0.3606509367624919},{"text":"Anything else for me?","start":549.87,"end":551.25,"sentiment":"neutral","sentiment_score":0.1537223942577839}],"sentiment":"neutral","sentiment_score":0.2016608864068985,"channel":1,"num_words":10,"start":548.11,"end":551.25},{"sentences":[{"text":"No.","start":552.245,"end":552.745,"sentiment":"neutral","sentiment_score":0.05176825821399689},{"text":"If you got any other questions, obviously, I'm happy to answer them.","start":552.805,"end":555.285,"sentiment":"neutral","sentiment_score":0.15569487834970155},{"text":"But other than that, that's sort of how your your super has been tracking so far.","start":555.285,"end":558.96497,"sentiment":"neutral","sentiment_score":0.16417107358574867},{"text":"As I said, still a positive return, and you've recouped some of those upfront costs that you did pay there, which you won't be paying again in terms of upfront costs.","start":558.96497,"end":566.46,"sentiment":"neutral","sentiment_score":0.1842014116625632},{"text":"You've obviously got the ongoings, but the majority of the cost comes when you first come on board there.","start":566.46,"end":571.18,"sentiment":"neutral","sentiment_score":0.06885457607476335}],"sentiment":"neutral","sentiment_score":0.14639651497142225,"channel":0,"num_words":79,"start":552.245,"end":571.18},{"sentences":[{"text":"And then moving forward from that, obviously, you pay","start":571.18,"end":574.525,"sentiment":"neutral","sentiment_score":0.05375844074620141}],"sentiment":"neutral","sentiment_score":0.05375844074620141,"channel":0,"num_words":9,"start":571.18,"end":574.525},{"sentences":[{"text":"No.","start":574.44,"end":574.94,"sentiment":"neutral","sentiment_score":-0.11520680785179138}],"sentiment":"neutral","sentiment_score":-0.11520680785179138,"channel":1,"num_words":1,"start":574.44,"end":574.94},{"sentences":[{"text":"a little bit less to stay on board as a a client.","start":574.525,"end":576.86505,"sentiment":"neutral","sentiment_score":-0.08555926941335201}],"sentiment":"neutral","sentiment_score":-0.08555926941335201,"channel":0,"num_words":12,"start":574.525,"end":576.86505},{"sentences":[{"text":"Okay.","start":577.31995,"end":577.81995,"sentiment":"neutral","sentiment_score":0.22328811883926392},{"text":"All good then.","start":577.87994,"end":578.83997,"sentiment":"positive","sentiment_score":0.4876985748608907},{"text":"Thank you, Carl.","start":578.83997,"end":579.56,"sentiment":"positive","sentiment_score":0.6394233703613281},{"text":"Thanks for your call.","start":579.56,"end":580.69995,"sentiment":"positive","sentiment_score":0.6975124925374985},{"text":"Have a lovely day.","start":580.75995,"end":581.98,"sentiment":"positive","sentiment_score":0.6280203014612198}],"sentiment":"positive","sentiment_score":0.5937856753667196,"channel":1,"num_words":15,"start":577.31995,"end":581.98},{"sentences":[{"text":"No problem.","start":582.92505,"end":583.48505,"sentiment":"neutral","sentiment_score":0.3003240376710892},{"text":"Thanks, Shanti.","start":583.48505,"end":584.205,"sentiment":"positive","sentiment_score":0.4212428629398346},{"text":"You too.","start":584.205,"end":584.60504,"sentiment":"neutral","sentiment_score":0.24322468042373657},{"text":"And then, yeah, you'll be sort of in six months' time.","start":584.60504,"end":587.085,"sentiment":"neutral","sentiment_score":0.07860662635754455},{"text":"You'll be due for your annual review anyway, and we'll be having another conversation then at least just to touch base with things and see how everything's going.","start":587.085,"end":593.4,"sentiment":"neutral","sentiment_score":0.317294251705919}],"sentiment":"neutral","sentiment_score":0.2595221133281787,"channel":0,"num_words":45,"start":582.92505,"end":593.4},{"sentences":[{"text":"No problem.","start":594.135,"end":594.77496,"sentiment":"positive","sentiment_score":0.49843908846378326},{"text":"All good.","start":594.77496,"end":595.255,"sentiment":"positive","sentiment_score":0.661531388759613},{"text":"Thank you.","start":595.255,"end":595.8809,"sentiment":"positive","sentiment_score":0.7830144762992859},{"text":"Appreciate","start":595.96094,"end":596.3609,"sentiment":"positive","sentiment_score":0.6427323818206787}],"sentiment":"positive","sentiment_score":0.6469574698380062,"channel":1,"num_words":7,"start":594.135,"end":596.3609},{"sentences":[{"text":"Too easy.","start":596.10004,"end":596.74,"sentiment":"positive","sentiment_score":0.5320788472890854}],"sentiment":"positive","sentiment_score":0.5320788472890854,"channel":0,"num_words":2,"start":596.10004,"end":596.74},{"sentences":[{"text":"it.","start":596.3609,"end":596.8609,"sentiment":"positive","sentiment_score":0.5013553500175476}],"sentiment":"positive","sentiment_score":0.5013553500175476,"channel":1,"num_words":1,"start":596.3609,"end":596.8609},{"sentences":[{"text":"Enjoy the rest of your day, Shanti.","start":596.74,"end":597.94,"sentiment":"positive","sentiment_score":0.7384155222347805},{"text":"Thanks","start":597.94,"end":598.18,"sentiment":"positive","sentiment_score":0.7498348355293274}],"sentiment":"positive","sentiment_score":0.7398429363965988,"channel":0,"num_words":8,"start":596.74,"end":598.18},{"sentences":[{"text":"Yeah.","start":598.1209,"end":598.3609,"sentiment":"positive","sentiment_score":0.505267858505249}],"sentiment":"positive","sentiment_score":0.505267858505249,"channel":1,"num_words":1,"start":598.1209,"end":598.3609},{"sentences":[{"text":"for your","start":598.18,"end":598.42,"sentiment":"positive","sentiment_score":0.7598829567432404}],"sentiment":"positive","sentiment_score":0.7598829567432404,"channel":0,"num_words":2,"start":598.18,"end":598.42},{"sentences":[{"text":"Thanks.","start":598.3609,"end":598.7609,"sentiment":"positive","sentiment_score":0.6895599365234375}],"sentiment":"positive","sentiment_score":0.6895599365234375,"channel":1,"num_words":1,"start":598.3609,"end":598.7609},{"sentences":[{"text":"time.","start":598.42,"end":598.92,"sentiment":"positive","sentiment_score":0.5278915762901306}],"sentiment":"positive","sentiment_score":0.5278915762901306,"channel":0,"num_words":1,"start":598.42,"end":598.92},{"sentences":[{"text":"Bye bye bye.","start":598.7609,"end":599.66095,"sentiment":"neutral","sentiment_score":0.24130388597647348}],"sentiment":"neutral","sentiment_score":0.24130388597647348,"channel":1,"num_words":3,"start":598.7609,"end":599.66095},{"sentences":[{"text":"Bye.","start":599.78,"end":600.28,"sentiment":"neutral","sentiment_score":-0.114615336060524}],"sentiment":"neutral","sentiment_score":-0.114615336060524,"channel":0,"num_words":1,"start":599.78,"end":600.28}]},"summary":{"result":"success","short":"Representative from OPU Financial called Deshant to discuss their investment property and debt, and suggested increasing coverage to cover their current coverage. The speaker is not insured for investment properties and does not consider investment properties. They discuss the income replacement rate for a policy with Shanti and the company's financial policy and growth options, including the use of a long-term investment. The speaker is happy to answer any questions and will have another conversation at a later time."},"intents":{"segments":[{"text":"I've already scheduled you in for a bit of a catch up this morning. Is now still a good time? Yeah.","start_word":31,"end_word":51,"intents":[{"intent":"Schedule a catch up","confidence_score":0.15146898}]},{"text":"Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that? Or So what is your recommendation?","start_word":540,"end_word":568,"intents":[{"intent":"Evaluate policy coverage recommendations","confidence_score":0.00023093568}]},{"text":"adequate amount of coverage currently. And even though Okay.","start_word":849,"end_word":857,"intents":[{"intent":"Assess superannuation coverage","confidence_score":0.00012981342}]},{"text":"But, yeah, it would be, you know, roughly at least fifteen years worth of, like, income replacement to take into consideration roughly, you know, things like taxes and stuff like that as well. This is a testament.","start_word":956,"end_word":992,"intents":[{"intent":"Discuss income replacement options","confidence_score":0.003117997}]},{"text":"But your your policy is still more than adequate for your current situation there, Shanti. Okay.","start_word":1065,"end_word":1080,"intents":[{"intent":"Analyze policy effectiveness for current circumstances","confidence_score":2.6820592e-9}]},{"text":"And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment?","start_word":1373,"end_word":1400,"intents":[{"intent":"Review investments","confidence_score":0.029358437}]},{"text":"And your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing. And then at the moment, a lot of those managed portfolios aren't doing too great either. They're doing worse than what your current portfolio is doing in the markets.","start_word":1511,"end_word":1561,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.131155}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.19953665137290957},{"text":"Good morning. Good morning, Shanti.","start_word":1,"end_word":5,"sentiment":"positive","sentiment_score":0.4241037964820862},{"text":"It's Carl calling from OPU Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.27806517481803894},{"text":"Good, Kyle.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.3892728090286255},{"text":"How are you today? Yeah. Not too bad at all.","start_word":18,"end_word":27,"sentiment":"neutral","sentiment_score":0.2971341907978058},{"text":"Thanks for asking. I've already scheduled you in for a bit of a catch up this morning.","start_word":28,"end_word":44,"sentiment":"positive","sentiment_score":0.38924965262413025},{"text":"Is now still a good time?","start_word":45,"end_word":50,"sentiment":"neutral","sentiment_score":0.2677316963672638},{"text":"Yeah. Brilliant.","start_word":51,"end_word":52,"sentiment":"positive","sentiment_score":0.4995119273662567},{"text":"Just to get started on that one, Deshant, if I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that today. Yeah. Shanti Kalal twenty January nineteen eighty one. Perfect. And then just your current address there for me, please? 317 Collier Avenue, Baltazar 6021.","start_word":53,"end_word":108,"sentiment":"neutral","sentiment_score":0.18687722086906433},{"text":"Perfect, Ashanti. Thank you for that one.","start_word":109,"end_word":115,"sentiment":"positive","sentiment_score":0.5221708416938782},{"text":"And I definitely know these calls are recorded for quality and training purposes. Now I did have you scheduled in for just a general catch up just in regards to how things are going in Yep. addition to you've purchased another property from my understanding. Is that correct? Yep. Is that in an investment property? Yep. I mean, do you know roughly how much that one's worked like market value wise? So I bought bought for 6 or 7, but currently market value is around $6.50. $6.50. Perfect. And the current mortgage on that one? That one that one mortgage is $489.08 5. 45. And then did you use any redraw on your current home there at all? Yes. Yes. So current home all mortgage on current home is 652. 652. Yep. And then with that one as well, do you still have that personal loan that you had when we previously spoke, or is that No. locked into the refinancing? No. No. First alone. Perfect. And now my understanding is you wanted to potentially revisit your insurances just given your your level of debt and how that may have changed. Is that correct? Yep. Yep. So with that one there, Shanti, I was having a re review of your policies. Now with that one there, are you still aware of what cover amounts you're covered for at the moment? 2,000,000, roughly. Yeah. Yeah.","start_word":116,"end_word":349,"sentiment":"neutral","sentiment_score":-0.0021522517781704664},{"text":"Roughly 2,000,000 plus the the trauma and the income protection, which you pay through through super and the trauma's out of pocket with half of the the TPD portion.","start_word":350,"end_word":378,"sentiment":"negative","sentiment_score":-0.3853252828121186},{"text":"Now with that there, Shanti, you're currently paying around 35.8% of your contributions already towards insurances.","start_word":379,"end_word":394,"sentiment":"neutral","sentiment_score":-0.03883758559823036},{"text":"Now as a general rule of thumb, we don't particularly like going over 30 because that does eat into, like, your superannuation contributions that go towards growth and can really sort of impact your your balance over time and growing that superannuation.","start_word":395,"end_word":436,"sentiment":"negative","sentiment_score":-0.4591134786605835},{"text":"Now with in regards to the debt you have taken on, your level of debt hasn't changed, like, a crazy amount given that you've put it into a new investment property. Now given your current policy, you do currently cover your your debt, plus in addition to that, a number of years income replacement if anything were to happen. Now we obviously can look at increasing the cover, but, obviously, we cover it does increase as you get older as well.","start_word":437,"end_word":517,"sentiment":"neutral","sentiment_score":-0.23746038973331451},{"text":"So that policy is only gonna get more expensive, especially if you do increase it as well now, if that makes sense.","start_word":518,"end_word":539,"sentiment":"negative","sentiment_score":-0.5329195857048035},{"text":"Is that something you still wanna look at given that information, or are you happy with your current levels of cover knowing that? Or So what is your recommendation?","start_word":540,"end_word":568,"sentiment":"neutral","sentiment_score":-0.1455712616443634},{"text":"well, generally, we don't insure for investment properties anyway because in the worst case scenario, if you were to be somewhat injured or sick or unable to maintain that property via your finances, you could look to sell that property and then put that money back towards your your current debts as well.","start_word":569,"end_word":621,"sentiment":"negative","sentiment_score":-0.39832544326782227},{"text":"So as a a rule of thumb, normally, we exclude investment properties, debt levels anyway. And even considering your home loan plus your income and replacing that income even before tax, if you take into account the the $2,000,000 you're currently covered for, if you take off your your current level of debt for the just primary residence from that one, you still got 1.35 worth of, like, cover. And if you look at income replacement before even you take into account the tax side of things, that's, like, 17.5 income replacement still, which is really still quite considerable.","start_word":622,"end_word":720,"sentiment":"neutral","sentiment_score":-0.18094053864479065},{"text":"And to increase it more than that, you really would be hindering the growth within your super given that your balance is on the lower end, You know, coming and working in Australia there as well and having that superannuation fund sitting at I believe it's I'll just check the current balance.","start_word":721,"end_word":772,"sentiment":"negative","sentiment_score":-0.33641931414604187},{"text":"Yeah. It's around the $4,040,000 there currently. K. So if you're putting more of that towards premiums, insurance premiums, even though your risk mitigation is, like, then increase, you are paying for that cost out of, like, your retirement savings at the end of the day as well. Mhmm. So in general, If you don't recommend that, do you? I I wouldn't look to increase it just because you do No. have quite a considerable Yeah. adequate amount of coverage currently. And even though Okay. I know you are the this whole breadwinner, even taking into consideration just the debt of your home loan Yes. and then not the investment property debt, and then which you would be able to potentially sell and get back the equity from that as well, and then not considering the offset of your superannuation either, you'd still have seventeen point five years of your income replaced, and that's not taking into account, obviously, you know, your take home pay versus your gross pay. That's just gross pay. And then, obviously, TPD does get taxed at some level. But, yeah, it would be, you know, roughly at least fifteen years worth of, like, income replacement to take into consideration roughly, you know, things like taxes and stuff like that as well. This is a testament. If that Okay. Okay. And makes you are there. So let's sense. Yeah. Yeah. I told And as you. I said, Thank you. like, just because, yeah, the you're currently at 35% of your current contributions. And then if your your income was to increase considerably, then you might wanna look at revisiting it because then you have a little bit more, like, cash flow to play with going into your superannuation. But your your policy is still more than adequate for your current situation there, Shanti. Okay. Cool. Okay.","start_word":773,"end_word":1082,"sentiment":"neutral","sentiment_score":-0.04506303369998932},{"text":"And Perfect. what about the our super working?","start_word":1083,"end_word":1090,"sentiment":"positive","sentiment_score":0.4414284825325012},{"text":"How how any plans? What what what do you mean? So since you got invested in July, like, sort of late July there, there has been a bit of turbulence sort of at the back end of the the market at the end of last year, start of this year. So it did go up and down a little bit. It's made about the 4.4% before fees, and then taking into consideration all the upfront costs of paying for the advice coming on board and the fees so far as well, you have broken even. You've gone sort of positive again in terms of, like, you've recouped that cost that you have paid forward in that. And then the total earnings is sitting around the the 1,800 mark, which is a bit under point four of a percent, but that's obviously taking into consideration those upfront fee costs as well, if that makes sense. Yeah. So this is the best one Yeah.","start_word":1091,"end_word":1252,"sentiment":"neutral","sentiment_score":0.012772825546562672},{"text":"Currently, it's still doing quite well.","start_word":1253,"end_word":1258,"sentiment":"positive","sentiment_score":0.3776266574859619},{"text":"Like, obviously, for me? they're in the global side of things that started this year hasn't been a great start, and then the the tech sector has taken a bit of a backward return there, but the rest of your portfolio still is tracking quite nicely. And given that you've been on board for for less than that twelve months, we'd at least sort of see what happens for the the remaining twelve months.","start_word":1259,"end_word":1332,"sentiment":"neutral","sentiment_score":0.023297926411032677},{"text":"And normally, the first year of growth is the the worst just given the fact that you you're paying for that upfront advice at the start of the process there as well, which you don't pay again going forward.","start_word":1333,"end_word":1371,"sentiment":"negative","sentiment_score":-0.35144710540771484},{"text":"Okay. And seeing current scenario, are you are you able to have a look to change anything or you will consider Deepcoin investment what you're doing at the moment? As I said, the the the current investments you do hold, like, obviously, towards up until October, they were traveling quite well. I think it was, like, a 7.6% return. Obviously, towards the end of last year and start of this year, it has gone down a little bit. But then also in regards to your portfolio as well, it it is in a a more of a growth option there as well. Being in a high gross, it's that ninety ten split, so you do see a lot of fluctuations, and you do wanna, like, it is long term investing at the end of the day there as well. And your portfolio doesn't have that active manager risk, so it is just tracking the index and what the markets are doing. And then at the moment, a lot of those managed portfolios aren't doing too great either.","start_word":1372,"end_word":1548,"sentiment":"neutral","sentiment_score":-0.019624639665550093},{"text":"They're doing worse than what your current portfolio is doing in the markets.","start_word":1549,"end_word":1561,"sentiment":"negative","sentiment_score":-0.4411397874355316},{"text":"So at twelve months, we'll still have a look and see how things are tracking. But as I said, generally, for the level of investment you have in growth assets, you're looking at sort of that, you know, three to five year before you start to potentially look at maybe modifying things if it's not tracking sort of well just to get the returns out of those growth assets because they are like a long term investment. It is that seven to eight year sort of time horizon sort of thing, Okay. if if that makes sense. Okay. Okay. Okay.","start_word":1562,"end_word":1661,"sentiment":"neutral","sentiment_score":-0.013486839830875397},{"text":"All good then.","start_word":1662,"end_word":1664,"sentiment":"positive","sentiment_score":0.36317330598831177},{"text":"Anything else for me? No. If you got any other questions, obviously, I'm happy to answer them. But other than that, that's sort of how your your super has been tracking so far. As I said, still a positive return, and you've recouped some of those upfront costs that you did pay there, which you won't be paying again in terms of upfront costs. You've obviously got the ongoings, but the majority of the cost comes when you first come on board there. And then moving forward from that, obviously, you pay No. a little bit less to stay on board as a a client. Okay.","start_word":1665,"end_word":1770,"sentiment":"neutral","sentiment_score":0.11659905314445496},{"text":"All good then. Thank you, Carl. Thanks for your call. Have a lovely day.","start_word":1771,"end_word":1784,"sentiment":"positive","sentiment_score":0.615002453327179},{"text":"No problem.","start_word":1785,"end_word":1786,"sentiment":"neutral","sentiment_score":0.30877938866615295},{"text":"Thanks, Shanti.","start_word":1787,"end_word":1788,"sentiment":"positive","sentiment_score":0.4139598309993744},{"text":"You too. And then, yeah, you'll be sort of in six months' time. You'll be due for your annual review anyway, and we'll be having another conversation then at least just to touch base with things and see how everything's going.","start_word":1789,"end_word":1829,"sentiment":"neutral","sentiment_score":0.2510751616664049},{"text":"No problem. All good. Thank you. Appreciate Too easy. it. Enjoy the rest of your day, Shanti. Thanks Yeah. for your Thanks. time.","start_word":1830,"end_word":1852,"sentiment":"positive","sentiment_score":0.6502435207366943},{"text":"Bye bye bye. Bye.","start_word":1853,"end_word":1856,"sentiment":"neutral","sentiment_score":0.2248681038618088}],"average":{"sentiment":"neutral","sentiment_score":-0.02871503702387135}}}}