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My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize. It's not at all what I wanted to happen. Oh, thank you. I'm so glad the team did that. It's all good. But, no, honestly, I do apologize. It's not preferred at all. Just... Oh, of course, they have. Sounds about right. No. Honestly, it's all good. No. No. Honestly, the team here are fantastic and lovely, and I will message them to say I'm running a little bit late. Sorry, guys. Can you just follow-up? And they were more than happy to do so for me. So, again, I apologize. I'd like to make sure I'm on time for everybody, but also wanna make sure that everyone gets, you know, the attention that they deserve as well. So I do apologize for running over in those last couple of calls there. All good. Fantastic. Thank you so much for that. James, so we're going through your annual review today, and I've had a bit of a look at things. There's definitely some advice I wanted to sort of look at doing to update things for you there. Before I jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? No. Never. Never. Absolutely not. Fantastic. And just to do a quick security check there with you as well, I am discussing your personal information. So just to confirm your full name, your date of birth, and address that I should have on file here for you. Yep. Yep. Beautiful. That's everything. You've done great. Thank you so much for that. All good. Now part of the annual review is I do send through some annual review documents, some some client compliance documents, sorry, for you to go through with me just so you can see the things that I'm talking about. Are you able to access your emails there at the moment at all? If you can't, it's okay. Yeah? Okay. I'm just sending through the documents via Odoo sign now for you. Hopefully, it pops through fairly quickly. Technology isn't always on our side. And that should come through from Odoo Sign, and I believe it also comes through from Dana Taylor, which is me. There we go. Fantastic. That's okay. So if you open the email, it'll say click to sign or to, you know, view to sign. You'll click the button so you can move forward. It'll show you each of the documents there. It'll never ask you any to sign anything you haven't read. So we'll go through them first, and then if you wanna take more time to read them, you can. It'll never force you to sign anything that you're not comfortable signing. Okay. Fantastic. Now the first document you'll see attached there is essentially the summary of superannuation and insurances as of the September 28 there. Can you see that one? Fantastic. So it's giving you an updated on your balance there. So when I had a look back at this time last year, your balance sitting there was about 381,501. Your balance as of the September 28, you're sitting at $406,136.37. And as of today, is that your balance has increased even further to 408,589. So it is good. We have seen an increase on your super there. Okay? Excellent. Underneath that, you've also got your insurance policy. So this is showing the insurances which are paid out of super. You've got your life sum insured of 981,666. That's... The insurance is owned by Zurich and paid out of your hub twenty four super account with the level of cover you have there. Now the way I like to sort of frame this is if you would have passed away today, I definitely don't want anything to happen to you, but if you were, the level of cover pays out to your beneficiaries at 981,666, plus your super benefit of 406,000... Now 408,000 there. Do you feel like between that level of cover that would be appropriate? Did you wanna kinda go back and review that at all? I I definitely don't want anything to happen to you. Yep. To kinda break it down to make it a bit easier for you, if you think about that level of cover, so adding your super balance at the current balance of 408,000 to that level of cover, you essentially have 1,390,000 of a life cover that can be paid out to your beneficiaries. Having a look at what that could cover for you would be... Now I had down here last year that your mortgage, you owed about 85,000. How much do you owe on the mortgage currently? Not a bad thing. Yeah. That's okay. 63,000. Beautiful. Fantastic. So if we had a look at that, with that level of cover, it could pay off your mortgage of 63,000. That essentially clears the mortgage free and clear, leaving Heather to completely debt free. But then I've also got your income sitting at about a 130,000. Does that still sound appropriate, or does your income increase? Mhmm. About 100 and 40,000? Yeah. Beautiful. Excellent. So then with that level of cover, it clears your mortgage free and clears. At least Heather completely debt free. And then if you think about, you know, how much it could cover your income at, say, a 140,000, and she may not need that full amount. So it would go further, but it would cover your current income then for about nine point... Let's say nine years and four months, essentially. Does that feel like a fairly appropriate level of cover? I mean, realistically, without a mortgage, that that debt isn't being paid for anymore. So if you're paying, you know, 5 or $600 a week on the mortgage repayment, that could reduce, you know, how much you'd need to live on. So, realistically, that level of cover could pay out the mortgage and then provide Heather with your income for a little over 10 years if needed to if she lives on a lower... A lesser amount of money. Do you feel like that's fairly appropriate? Did you wanna kind of review that at all, or how do you feel about that? Yep. No. That's absolutely fine. I can promise you I'll ask you all the questions you probably never thought about answering. It's part of what I do, unfortunately. Yeah. Yeah. That's okay. Not a problem at all. If you ever felt like you maybe wanted to review that, we can absolutely look at doing so. Those levels of cover that you do have, they are index. They do increase over time. So each year that that goes through renewal, the amount that you're actually covered for increases just slightly. But it also does mean that the insurance cost does increase over time as well. So taking some time down the track and having a bit of a think about what what you actually wanted to happen isn't a bad idea. Even having that conversation with Heather going, look, you know, if something happened to me, what it... What is it you wanna be paid? Do you wanna pay off the mortgage, and how many years of income would would be suitable? Because having that conversation can sort of help to provide clarity around what you might need to be covered for. But, realistically, that's a pretty high... A pretty good level of cover to have, and that would leave her completely free and clear and give her some income as a bit of a buffer. Does that sound okay for the moment? Yeah? Beautiful. You've also got your total permanent disability there. Now do you know how insurances work? Do you have any questions around that level of cover? That's the one underneath your life cover, TBD. Yeah. Yeah. So TBD, your total permanent disability pays at a lump sum benefit or an income stream in the event that you're never able to go back to work again. So generally speaking, you need to be unable to go to work in any occupation for which you're educated, trained, or have worked in the past. It is a pretty diff... Difficult definition to claim on, but it does pay out a benefit if you're unable to ever go back to work. This shows you how much you're covered for at the moment. So you do have that benefit of $874,000.00 4. And, again, with TDD, if you are unable to get back to work ever again, under the condition of release of permanent incapacity, we can also get your super release. So you've got just over 1,200,000 of cover between your super and your TBD benefit there. Does that feel fairly comfortable for you? Did you wanna look at maybe altering or reviewing that level of cover? So you're covered for 874,000 of a TBD, but then you're super benefit on top of that. Yeah. No. That's absolutely fine. That is absolutely fine. It's not a problem at all. Yeah. No. That's absolutely fine. Honestly, it's not a problem at all. Do you feel fairly comfortable with that level of cover? Are you fairly happy with it at the moment? Did you wanna talk about goals and kinda review that a bit deeper, or how do you feel about that? Yeah. Yep. Beautiful. It is a fairly good level of cover. I mean, if we look at it the same way that we did with your life cover, paying out the $63,000, the mortgage essentially leaves you with still over $1,200,000 there to then supplement your income to kind of live off. And if you were to be TBD, I mean, with life, the benefits paid out to your to your spouse as a life payment. But with TBD, because you're often still alive, we would provide advice on how to structure the payments, how to draw the income to make sure it does work for you long term and stays appropriate as long as possible as well. So we would definitely look at how to structure it, how to draw an income, what to pay off to make sure you're covered, and how to make that benefit last as long as possible for you as well. Okay. Yeah. Beautiful. You've also got your income protection policy there. Now income protection can pay out a income stream in the event that you're unable to go to work in the shorter term. You can be covered for up to 70% of your pre disability income. So based on your current income and the amount you would need to be covered for, it does look like you're just slightly over insured there a little bit. So 70% of your current income gives us a sum insured of $88,166. You're currently covered for $88,390. It does kind of mean that having a extra little bit of a benefit means if you do get, you know, bonuses or your salary goes up a little bit over the course of time, that you don't have to increase that policy because increasing a policy means you go back to underwriting again, which means the insurer reassesses the policy. So having this level of cover a little bit higher than what you need, can mean that you've got that little bit of extra in case you've got extra increases in your wage or bonuses that might come into account for. But it also does mean you're paying for a little bit more than what you can realistically claim on as well. Does that make sense? Do you have more questions around that? That's okay. Are you happy with that level of income protection? Did you wanna look at altering that or keep it as it is? How do you feel about that, James? Keep it? Yep. Beautiful. All good. Underneath that, it does show how much you are paying for the insurances. So you'll see the two amounts there. Essentially, for this... The top amount, the 5,173, that is how much the insurer receives the benefit. How much you've actually paid out of super is below that. So you actually paid $4,397.22. Unlike anything in our own name, we actually get a bit of a discount, a 15% discount for paying those insurance premiums out of super, and that's because of the taxation consequences and the way the money is transferred within the super system there. So getting a 15% discount and paying a little bit less than what the actual premium is is a good thing, but it does mean that these insurance premiums will get more expensive over time as well. So it is really important that we review them on a yearly basis and just make changes as needed. Does that make sense? Do you have more questions? You're welcome to let me know if you do. Yep. Beautiful. All good. And then underneath that, you've also got your trauma benefit noted there. So you're currently paying $84.21 on a monthly basis for your trauma, and it pays out a lump sum benefit currently of 107,660. Thinking about trauma, are you fairly happy with that level of cover? Did you wanna look at reviewing that? The trauma. So trauma pays out a lump sum benefit in the event of a trauma... Traumatic diagnosis. So think about things like cancer, a heart attack, strokes, Parkinson's. Yeah. Major diagnosis, essentially. Yeah. Yep. Yeah. That's okay. Yep. Beautiful. All good. All good. If you ever did wanna revisit those or if you have more questions, you're absolutely fine to let me know. What I can even do to make it easier if you like is I could note down and send us a general email to you after the call, which just outlines the different levels of cover, how they're paid, what they cover, and what your benefit is just to kinda give you a bit of a guide and, you know, allow you to sort of think it over and have a look at them as well later on. Would you like me to do that for you? Yep. Beautiful. It is a lot to sort of talk through, and sometimes we're thinking about it. We go back later and go, hey. Maybe this is what I would like to happen, or maybe this level of cover might benefit. So if I send that email, it gives you something to sort of have a think about. You can always talk to Heather and see what what you guys would like as a goal. And if you wanted to review those, you're welcome to come back and let me know. Okay? Easy. Fantastic. Fantastic. If you go to the next page there for me, the next one is your performance report with regard to your super there. Yeah. It's got the... The heading is the performance report. Is it still loading? Beautiful. So it should say performance report with internal rate of return. Is that the document you can see there? Yes. Fantastic. Now this is showing you how your super has performed over the past twelve months there. On the front, you'll see all the individual investments. So it kinda goes through what you're invested in individually there. The area I sort of like to show you to focus on is the second last column, which is your internal rate of return. The first page there goes through them all individually. They're all doing pretty well. There are some areas that aren't really responding quite well at the moment with regard to your super and investments in general. What we're sort of seeing here, the first one that Benelong Australian Equities investment. Now this is more of an actively managed fund. So the Now this is more of an actively managed fund. So the investment manager within Bennelong is meant to be trying to pick and time the market, choose investments to to invest in, and, essentially, outperform against the market. They're not really able to do that at the moment. One of the things I kinda like to break down is this... In the... There's different ways to invest in your super or in investments in general. One of those is to have active management, which is where you pick and choose active investment managers depending on what you wanna see happen. And they're meant to be trying to outperform against the market and time the market and pick investments that are... Think Warren Buffett style. They're trying to pick investments at a certain price, buy in, and then get out when they, you know, reach overvalued, essentially. Van Alon has struggled to do that. Yeah. Van Alon has struggled to do that this year. They've had a lot of ups and downs over the past couple of years and have had a lot since COVID. But this year, they've really actually struggled to do so. They've had some underlying issues within their investment profile, and I'm actually looking to kind of remove everyone from an investment. I know one of the things I try to look at is whether an investment is still valuable and whether an investment being down is what is important to stay in or whether it's worth getting out. Because of the issues and the research I've done around Bannalung at the moment, it is definitely worth removing them from your portfolio. What I wanna... Sort of wanted to gauge from you is to look at whether you have a preference on how you'd like your portfolios to be built because we have lots of different ways to invest. We can replace that with another active manager. There's no guarantees they'll be able to outperform against the market. They could have internal issues as well. And often, you pay a little bit more in fees to have an investment manager or an active investment manager in your portfolio. The other option I could look at if you would like to is looking at lowering investment fees within your portfolio and maybe having more of a passively managed portfolio. A passive manager is trying to just, essentially, follow an index. They're not trying to make snap decisions or outperform against the market. They can be cheaper. They are following and tracking an index, and making changes in line with what changes occur in the indices. So they're making less changes in a portfolio. And quite often longer term, you can get much better returns by having passive managers in your portfolio rather than trying to time the market. Thinking about your super and what you'd like to see, how do you feel about that? What would you like to see? And do you have more quest... Yes. Yeah. What would you sort of... How would you like to see things? And you're welcome to ask more questions if you need to. Absolutely fine. That's okay. We have options, sir, that we can replace with both things. Essentially, one of the benefits to having more of a passively managed investment portfolio is that it can be cheaper. So one of the ways that we can look to maybe swap things out and update things is to maybe reduce the fees, maybe take... So take out this active investment manager and put you in more of a passive portfolio, which can generate much higher returns longer term. It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track. Would you like to look at that as an option, or how do you sort of feel? Yeah. Yeah. Absolutely. One of the things I sort of like to look at is the the other side is the risk level. So having an active manager in there means that you are taking a little bit more risk because they are trying to take and time the market, whereas more of a passively managed portfolio can be a little bit lower in risk essentially as well. Does that sound comfortable? Did you want me to sort of look at having more of an... Having another active manager in that? I'm happy to do either depending on your preference. How do you feel about that? Yeah? Perfect. Excellent. Well, what I'll do is I'll go back and have a look at your super fund as well as all the investments in that for you. There are some other changes I'd like to maybe look at your portfolio as well. So you'll see here you've also... Underneath that banner along, you've got some bank hybrids. These are more of a defensive vest... Investment. Bank hybrids are very similar to bonds, essentially. They're lower risk, but they also tend to get lower rates of returns. Having them in your portfolio is really good. It's to set down the track the government is actually phasing out these types of investments. They're removing bank hybrids from trying to streamline and make investments a little bit easier for people to understand. So these actually have an expiry. I would like to maybe look at removing them now and replacing them with some other defensive investment while we're making changes to your portfolio rather than down the track when we have to make changes, removing them quicker. Are you comfortable with me looking at that for you as well? Absolutely. No. That's perfect. I love it. It's fantastic. It's great. It's absolutely fine. Not a problem. Your cybersecurity and your you're fine. Look. I speak like this when I'm at work, but you haven't heard me at home. So don't worry. There is nothing you can say that I haven't heard before, and I honestly just want you to be you. That's the part of what I love about a job is you get to be yourself. It doesn't matter in any way, shape, or form. Excellent. Your bank hybrids are doing really well. There's realistically no no need to kinda remove them there. And your other Australian equities are also performing quite well. No. Sorry. Global cybersecurity. My apologies if I said that. I'm sorry. Yes. Your cybersecurity is doing quite well. You're absolutely fine. Your battery and lithium tech is in there. We could definitely have a look at ways to sort of make sure you keep that kind of exposure within the portfolio. Physical gold is... Has had a bit of ups and downs this year, but it is still worth keeping physical gold in your portfolio. It was essentially at a thirty year high around about February. It had taken a bit of a dip in that time frame and has been kind of recovering back slowly, but it is still good to have physical gold in your portfolio. It is still a worthwhile asset there. The... Underneath that, you've got core composite bonds, and these are, again, a more of a defensive investment. They are down a little bit in your portfolio, and it has got to do with inflation. So these sorts of bonds are affected by inflationary pressures, and we have had some very high inflation this year. So they have seen a bit of a dip in the portfolio, but they are still worth keeping in the portfolio. There's no reason to remove them out. And when inflation is able to dip a little bit, you'll see the core composite bonds actually react quite well to that. So I do wanna sorta keep that investment in there, but I'll look at how to structure it for you. You've also got the S and P 500. So this is the second last one from the bottom. This is giving you access and exposure to the top 500 companies on the a s... Sorry. On The US market. It's tracking the top... The S and P 500 index, and the S and P 500 index can essentially encompass anywhere from 500 to 520 different companies. And this is kind of a really good view of what a passive investment is. This investment is a passive investment. It is tracking the S and P 500 indices. So, essentially, whenever the committee meet for... To discuss what's happening in the S and P 500 and either to keep companies in or to remove companies from that, If they make changes to the index, then the iShares S and P 500 investment, they also make changes in line with that. So it just essentially means that less less changes occur within the investment on a regular basis. So they're not, you know, trying to pick and time the market. They're not trying to, you know, find the right company at the right price and buying in at the exact right time. They're just making changes that need to happen as per the index, And that over time can have a much greater effect for you and provide much greater returns, but it also is lower cost. And that's one of the things that's really important is trying to, you know, where possible, reduce investment fees if possible, because it means that more money stays invested in your portfolio working harder for you over time. Does that make sense? Yeah. And then you've... Underneath it, you've got the Van Eck property. Now this is giving you access and exposure to listed property. Property has taken a bit of a hit. So this investment is down. Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit. So we are seeing that down a little bit at the moment. I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it. Realistically, we don't want to, you know, sell all the investments when they are down. We wanna allow them to come back and recover where possible. But within... Your property could be down for a while, and there might be another way to give you exposure to property without holding the investment there. Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you. Yep. Do you have any questions about any of those investments at all so far? Yeah. So a physical gold doesn't pay any income. So income is essentially looking at dividends that are being paid at. And between all those investments, they all pay dividends throughout the course of the year, which is fantastic because dividends are paid to your cash account, and then that money is reinvested back in your portfolio. But commodities like physical gold and silver, they actually don't pay dividends. They're not... It's not income production... No. Sorry. Non income producing asset. So it only gets growth. And that's why it's always good to have a bit of those sorts of investments, but you don't wanna have only those. You wanna sort of incorporate some income production out of your portfolio as well. Does that make sense? Yeah. Yeah. Absolutely. That is a great question. It does. Exactly. Yeah. If you go down to the next page of that one, so scroll down, you'll see there's a second page, and it basically correlates the returns seen from your entire portfolio. Yeah. So when we look at this, it shows you the market value at the beginning. So this time last year, showing you had $381,501.46. Then we've got deposits. So this is a combination of money going in from dividends as well as contributions, and all the other, you know, you get rebates and things as well. And then withdrawals essentially looks at money coming out for taxes, for CDT because your super fund also pays taxes as well as insurance premiums and anything there. And then you've got your end market value. So that's the balance within your super at... As at the twenty eighth of the ninth. The next one is the income, and that shows that within this last twelve months, your portfolio has generated total income from all the investments above of $13,773.15, which is pretty good income. Yeah. Then you've got the growth. So when we look at returns, it's a combination of growth and income. This is showing that over the past twelve months, the growth within the portfolio has been $7,856.70. So it does show the growth is definitely less than what the income has been produced, and that is a lot to do with the fact that Bennelong is down and your property is down as well. Those two investments seem to be holding your portfolio back a little bit at the moment there. But the next column is your total earnings. So this is a combination of your income plus your growth within the last twelve months, and it shows that within your portfolio, that's over $21,629.85. Yep. And as a percentage, the return is about 3.54%. So, realistically, the return is a lot lower than where I would like it to be. With your portfolio and the way this is, you're in a growth growth portfolio. So that is essentially seeing 80% of your super invested in those growth higher risk investments like shares and property and gold and commodities because that's where you see a lot of the growth from. However, at times when the market is volatile and down and up and like what we've seen this year, you can also expect lower rates of returns from those sorts of investments. And that's essentially what's happened here. It's a combination of the volatility, what's been happening globally in your portfolio, but then also the fact that the government's also made those changes with the property. So your property side of things is down holding your portfolio back. And then that actively managed fund, that's been a long investment. That's not performing great as well. They've had some internal issues there. So those two investments have sorta held things back a little bit. Your percentage is definitely lower than where I would like it to be. However, as much as it's a 3% return, it does show 3% gives you over $21,000 in income and growth. So, you know, if we had have been able to get from this year, you know, a nine or 10 or 11% return, you could imagine the earnings would have been a lot bigger on that side of things. Does that make sense? Yeah. So what I would like to do, because this portfolio is a bit older, there are definitely some changes to make. I wanna go back, review the super, review the investment, make some changes to the portfolio, update things, and kind of look at how I can make them work a bit harder for you. We'll come back. I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make. I'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy. And then you get to take that away and have a really good read of that as well. How does that sound? Yep. Beautiful. Excellent. That is a lot, and I understand that. Do you have any questions in relation to any of that, James, at all? No. That's okay. All good. If you can scroll... Yes. Yeah. Definitely. Yep. No. No. Absolutely fine. If you can go on to the next document for me, the next one there is... Yeah. So this is a bit of a guide, and this is one of the things I love about my job is the educational value. It's not as interesting to everyone, and if you're not, that's okay. But this shows you how and why we invest the way we do. Essentially, if you're looking at the side of the document, you've got US shares, Australian shares, international shares, and listed property. You can see those on there? It's on the... On... Where I'm facing? Yep. All good. Those are your growth assets. So when we sort of talked before that you're in a growth portfolio, you see 80% of your super invested in these sorts of growth assets there because they get the the best kind of returns longer term. If you think about this document here, it shows you that in 1996, if you had to put $10,000 into US shares as an example, you let it sit and compound over time, reinvesting any income that's being produced, it would have turned $10,000 into 218,544. That's a lot of money. It's essentially a compounded annual return of 10.8%. So that is a really good rate of return. But if you think about the person investing in 1996, they have that 10,000 invested. They're reinvesting their income, but they're going through all these ups and downs. Following that line, they've gone through things like the, you know, the GST standard... The d... GST was introduced and .com bubble was there, the Bali bombing. They also had to go through the GFC. They had to go through COVID. They had to go through, you know, so many ups and downs. Exactly. And that's a very nervous sort of time to go through. When you sort of think about this... Yep. Absolutely. And the GFC lasted quite a while. You know, we saw very large dips in the market, and it took basically until around about two thousand and ten to eleven for the market to really come back to where it was pre levels before that drop. So the GFC lasted quite some time and took quite a lot of recovery there. But this is essentially why we invest the way we do. When you're younger, when you've got more time on your side, we can go through those ups and downs, keep investing and keep putting money into your super to take advantage of those sorts of ups and downs. One of the things I like to sort of use as an analogy is if you were to buy a shirt and it was a really good quality shirt and it cost you $50, you're happy with that shirt, you're happy to pay that price for that quality shirt. The next day... $50. The next day, the bingtang singlet. No. You're fine. If that shirt was to go on sale the next day and it's down 50% to $25, you know, you look at it and you go, wow. Same same shirt. I could've bought two for the same amount of money if I'd held off. The same thing works with investing. If you were to say... If I use the S and P 500 as an example, if that investment is, say, you buy in and the units of that investment are $50 per unit, if your super contributions go in and it's more than a $100, then you put a $100 into that investment. You get two units of that investment. The next week, your super contributions go in. If the market's taken a bit of a dip and that investment is worth $25, that same $100 buys you four units of that investment. And then as the market comes out, you've bought some units really cheap. You actually take advantage of that. It's a way to buy low and sell high without actually having to time the market. And so what we wanna do is we wanna take advantage of the ups and downs in the market. And that's why we stay invested through the downtimes and keep investing through the ups and downs in the market. And you'll find over the course of, you know, five, ten, fifteen, twenty years, it actually provides a really great benefit. And that's how we grow our super to the levels that we want to do. That's how we take advantage of the ups and downs the market sees. But it is all easy to say that's what we wanna do, but it is really hard. When we see things going down, it does make us feel very nervous as human beings. We tend to feel... Absolutely. And that compounds that downward effect. And that's essentially the biggest thing. Whenever you see the market taking a bit of a dip, 90% of that dip is human emotions. People have read something that makes them feel nervous. So a couple of people sell, then someone else starts to sell. Then people see that is going down, and they start to sell, and it starts a chain reaction. What my job is is to help you avoid doing that, not to make that kind of a reaction. So when I kind of look at your portfolio and go, hey. I wanna make some changes to it. It's because I've reviewed the investments, because I've deemed those investments no longer viable, and that we really should look to move you into something else to replace them and to keep your super building and working harder. Does that make sense? Yeah. Yeah. So, realistically, at your age now... Now double checking, I've got you wanting to... You are 50 years. What age are you hoping to be able to fully retire and maybe access your super? What would your goal age be? 50. No. Absolutely fine. Yep. So the earliest you can access super is the age of 60 if you fully retire. Did you want me to use sixty years ago, or do you think you'd be looking to work till 65? How do you think you feel? Yeah. Beautiful. So 60 as a goal, not a problem at all. So that gives you about ten years before accessing super. So, realistically, that does still suit that growth environment, that 8020 split that's been invested in that sort of growth environment. We understand and expect a negative year to occur, say, one in every five years. And this kind of portfolio, you're looking to try and obtain around about seven to 9% on a yearly basis. With volatility, you can get higher than that 9% quite comfortably, but it also means that years like this year, when things might not be working very well, that we do expect the return to be lower than that seven mark. So it's about just kinda reviewing things and, you know, looking at and making sure you're comfortable there. Thinking about that level of exposure, are you still comfortable with that? Did you wanna look at maybe reducing your exposure or reducing your risk level? How do you feel about that? That's okay. I have a... No. You're absolutely fine. I've got a questionnaire to go through. Let's run through this, and we'll talk us through about how you would feel or might react. I've answered some of them for you already. The first one here is, have you ever invested in shares or direct managed funds in your own name before? Perfectly fine. The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super? And do you feel comfortable taking on a higher level of risk to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower? Where do you think you might fit on that scale? Yep. In the middle. Yep. Beautiful. The next one here says, if you saw your super fall by 20% over the next six to twelve months, how might that be making you feel? Are you a bit optimistic about the investment, maybe putting some more money in, taking advantage of the downtime? Are you a bit cautious and concerned, maybe calling us and seeing what we suggest you do and maybe looking to hold and wait through that time frame? Are you more very anxious and maybe wanting to sell your investments to cash and the cap... And crystallize those losses? How do you think you might react and feel? Yep. Absolutely. Yep. Perfect. Mhmm. The next one here is basically asking, have you ever thought about borrowing in order to invest in shares or manage funds, or have you only ever wanted to borrow for safe property? For property? Yeah. Perfect. Lovely. Thank you for that. Now, look, that's the end of that questionnaire, happily. You've scored there as a growth investor. So as I kinda mentioned before, you are in that growth portfolio. It says 80% in those growth assets, like US shares, Australian shares, international shares, and property, and then 20% in low risk defensive investments like cash and bonds. This does still suit your time horizon because you still have ten years before you're able to access Super. It still suits your investment time horizon. You... When you think about risk out of a number between one and four... So... Oh, sorry. One and five. So five being, you know, no risk at all, all sitting in cash, one being a 100% aggressive, all in shares. You're sitting at about a three. So you're kind of in that mid range there. You you have more than six years ahead of you, so you can stay in this environment. You know, you've got that seven to 9%. We could quite comfortably alter the portfolio and kind of build on that for you. When you are about six years away from accessing your super, I would be absolutely trying to push you down and start to reduce your risk level a little bit. But for now, are you comfortable with you... With me retaining that growth portfolio? Did you wanna... Do you wanna start reducing risk in line with, you know, a bit of comfort? How do you feel? Retain it? Beautiful. Do you have any questions? I'll try to sort of explain it as much as I possibly can, but it can be a lot to kinda go through. Do you have any questions in relation to any of that? Yep. That's beautiful. There we go. Excellent. So I'll review everything and keep you in line with that growth portfolio. Fantastic. Now in that order you sign, the last couple of documents attached are your Zurich certificate of the currencies that runs you through all the different insurance policies in a little bit more detail there for you. We also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me and also my licensing information in there for you as well. So you're welcome to look me up. It outlines all of our services for you there as well. The last... Oh, no. No. No. You're fine. Yep. And the last two documents attached there are the tax file opt in form. So it lets you know that we hold your tax phone number, how and why we do so. It's about making sure that you're fully aware of the information we hold on you and also the ongoing services agreement there as well. So you do pay 1.65 for our services. This is essentially keeping it as it is for the next twelve months there. Down the track, we are looking to update our ongoing service fee. When that does, I'll go through it with you. But for the time being, you're on that 1.65. That is deducted from your super account on a monthly basis in smaller monthly increments for our services there. And we make sure... Essentially, we wanna make sure that you're receiving, you know, enough of a return to cover our ongoing service fee, but then that your super is growing and building and working on top of that as well, which is really important. Does that all make sense? And do you have any questions there at all, James? No? Beautiful. You're welcome to take some time to review those ones. If you did or are comfortable to do so, when you're ready, we'll get you to sign and return them back just so we can keep a record of those. For us to be able to provide advice and update everything, we do have to have the ongoing service agreement signed and returned back. So feel free to run your eyes over them. And when you are comfortable, I'll get you to sign and return those back there for me as well. Okay? Beautiful. No. You're fine. As I said, you do you. You speak your mind. You ask questions. I'm absolutely fine with it. Is that the Taxbot of OdooSign? Yep. That's the platform we use. It's very much similar to DocuSign. Yep. Is it just... If you click on it, it might be prepopulating a signature for you. And then it might ask you to... Often you need to click on this... The date section as well, and it should automatically update the date for you. Yes. Yeah. That's... Just letting you know that we hold that. Yeah. Yep. Beautiful. No. You're fine. And it's come back to me. That's all being done there, James. Thank you so much for that. I really appreciate it. The last couple of things I just wanted to update are just your assets and liabilities that we had noted here. Now your main primary residence, the value we had on that house last year was about 1,100,000. What kind of value would you put on it now? 1.2? Yep. Beautiful. Fantastic. Lovely. And I had a Toyota Prado on here with an asset value of 40,000. Would you alter that value? Yes. That's okay. I've also got a Ford Galaxy 1964 at 40,000. What kind of value would you put on that currently? Yep. Beautiful. And then I've also got a 1971 x y Falcon Ute with 40,000 on it. I've also got the Ford x y ute. Yep. And that was a 35,000 value, the Ford x y ute. Yeah. Beautiful. And that's all I have noted here. Do you have any other vehicles that you've got there valuable? No? No. That's okay. No. That's okay. Yeah. They're fantastic. Actually, really cool cars. Did you do them up? Is that kind of what you enjoy doing outside of work? Or Oh, awesome. Yeah. Yep. Yeah. Mhmm. Oh, wow. Yep. Beautiful. Yeah. No. That's fantastic. That's excellent. I've updated your income there now. Sorry. I understand that. Yeah. Definitely. And income wise, now I noticed that you're not paying any additional contributions to super. Are you open to doing that to kinda help build your super, or you'd prefer not to? How do you feel about those additional contributions? Yep. That's absolutely fine. Once the house is paid off... That's okay. I can revisit that down the track for you. I'll put it down as a medium term goal, something we can revisit down the track. Easy. Beautiful. I also have down here that you have two financial dependents at home. So two kids still living at home. Is that right? Yep. Beautiful. And I've got Heather down as your next of kin. I've also got her noted as your beneficiary for your life insurance and your super. You're still happy with that a 100% order, Heather? Yep. Beautiful. The other thing I've got noted here is that you don't have a will or power of attorney. Is that something you guys have discussed in the past? Yep. Have you kinda talked about getting one done or seeking the services of a solicitor, or is it just on the list to do down the track? On the list. Beautiful. We'll make that for you. Excellent. And so any other goals down the track that you might be looking at? No. That's okay. Perfect. That's not a problem at all. Well, look. That's everything I needed to go through. I really appreciate you taking the time again. I'm very sorry that I didn't call you late. It's not my preference at all, but wanna make sure that everyone gets the best they can out of their review. Is there anything that I maybe haven't touched on that you wanted to ask or discuss with me, or do you have any questions in relation to anything I've gone through with you at all? Yeah. Beautiful. Well, what I'd like to do now is just book you in for... In a couple of weeks to go back and review the advice document after I've done the research. Is there a day or time that normally suits you best? Yeah. Beautiful. Is sort of this time of the afternoon, that's sort of 04:30 suited to you? Yep. Perfect. So if we go to three, the week of the October 29, I do have availability. The same time is today if you like. So it's 04:30 my time, which is 05:30 your time. Would that be okay for me to book you in then to go through your advice document? Beautiful. I'll put statement of advice there. I'll add a text message reminder so it sends you a message an hour prior. If anything comes up, please let me know. But I'll get the research and have the advice document ready to go then. We can go through that together. How does that sound? Beautiful. Look. Thank you so much for your time. It's been a pleasure. I hope you have a good rest of your week. Thanks. You too. Thanks, James. I'll talk to you soon. See you later. 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James. It's Dana from Oku Financial. How are you this afternoon? I'm very well. Thank you.\n\nFirstly, I would like to apologize. I'm so very sorry. My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize. It's not at all what I wanted to happen. Oh, thank you.\n\nI'm so glad the team did that. It's all good. But, no, honestly, I do apologize. It's not preferred at all. Just...\n\nOh, of course, they have. Sounds about right. No. Honestly, it's all good. No.\n\nNo. Honestly, the team here are fantastic and lovely, and I will message them to say I'm running a little bit late. Sorry, guys. Can you just follow-up? And they were more than happy to do so for me.\n\nSo, again, I apologize. I'd like to make sure I'm on time for everybody, but also wanna make sure that everyone gets, you know, the attention that they deserve as well. So I do apologize for running over in those last couple of calls there. All good. Fantastic.\n\nThank you so much for that. James, so we're going through your annual review today, and I've had a bit of a look at things. There's definitely some advice I wanted to sort of look at doing to update things for you there. Before I jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nNo. Never. Never. Absolutely not. Fantastic.\n\nAnd just to do a quick security check there with you as well, I am discussing your personal information. So just to confirm your full name, your date of birth, and address that I should have on file here for you. Yep. Yep. Beautiful.\n\nThat's everything. You've done great. Thank you so much for that. All good. Now part of the annual review is I do send through some annual review documents, some some client compliance documents, sorry, for you to go through with me just so you can see the things that I'm talking about.\n\nAre you able to access your emails there at the moment at all? If you can't, it's okay. Yeah? Okay. I'm just sending through the documents via Odoo sign now for you.\n\nHopefully, it pops through fairly quickly. Technology isn't always on our side. And that should come through from Odoo Sign, and I believe it also comes through from Dana Taylor, which is me. There we go. Fantastic.\n\nThat's okay. So if you open the email, it'll say click to sign or to, you know, view to sign. You'll click the button so you can move forward. It'll show you each of the documents there. It'll never ask you any to sign anything you haven't read.\n\nSo we'll go through them first, and then if you wanna take more time to read them, you can. It'll never force you to sign anything that you're not comfortable signing. Okay. Fantastic. Now the first document you'll see attached there is essentially the summary of superannuation and insurances as of the September 28 there.\n\nCan you see that one? Fantastic. So it's giving you an updated on your balance there. So when I had a look back at this time last year, your balance sitting there was about 381,501. Your balance as of the September 28, you're sitting at $406,136.37.\n\nAnd as of today, is that your balance has increased even further to 408,589. So it is good. We have seen an increase on your super there. Okay? Excellent.\n\nUnderneath that, you've also got your insurance policy. So this is showing the insurances which are paid out of super. You've got your life sum insured of 981,666. That's... The insurance is owned by Zurich and paid out of your hub twenty four super account with the level of cover you have there.\n\nNow the way I like to sort of frame this is if you would have passed away today, I definitely don't want anything to happen to you, but if you were, the level of cover pays out to your beneficiaries at 981,666, plus your super benefit of 406,000... Now 408,000 there. Do you feel like between that level of cover that would be appropriate? Did you wanna kinda go back and review that at all? I I definitely don't want anything to happen to you.\n\nYep. To kinda break it down to make it a bit easier for you, if you think about that level of cover, so adding your super balance at the current balance of 408,000 to that level of cover, you essentially have 1,390,000 of a life cover that can be paid out to your beneficiaries. Having a look at what that could cover for you would be... Now I had down here last year that your mortgage, you owed about 85,000. How much do you owe on the mortgage currently?\n\nNot a bad thing. Yeah. That's okay. 63,000. Beautiful.\n\nFantastic. So if we had a look at that, with that level of cover, it could pay off your mortgage of 63,000. That essentially clears the mortgage free and clear, leaving Heather to completely debt free. But then I've also got your income sitting at about a 130,000. Does that still sound appropriate, or does your income increase?\n\nMhmm. About 100 and 40,000? Yeah. Beautiful. Excellent.\n\nSo then with that level of cover, it clears your mortgage free and clears. At least Heather completely debt free. And then if you think about, you know, how much it could cover your income at, say, a 140,000, and she may not need that full amount. So it would go further, but it would cover your current income then for about nine point... Let's say nine years and four months, essentially.\n\nDoes that feel like a fairly appropriate level of cover? I mean, realistically, without a mortgage, that that debt isn't being paid for anymore. So if you're paying, you know, 5 or $600 a week on the mortgage repayment, that could reduce, you know, how much you'd need to live on. So, realistically, that level of cover could pay out the mortgage and then provide Heather with your income for a little over 10 years if needed to if she lives on a lower... A lesser amount of money.\n\nDo you feel like that's fairly appropriate? Did you wanna kind of review that at all, or how do you feel about that? Yep. No. That's absolutely fine.\n\nI can promise you I'll ask you all the questions you probably never thought about answering. It's part of what I do, unfortunately. Yeah. Yeah. That's okay.\n\nNot a problem at all. If you ever felt like you maybe wanted to review that, we can absolutely look at doing so. Those levels of cover that you do have, they are index. They do increase over time. So each year that that goes through renewal, the amount that you're actually covered for increases just slightly.\n\nBut it also does mean that the insurance cost does increase over time as well. So taking some time down the track and having a bit of a think about what what you actually wanted to happen isn't a bad idea. Even having that conversation with Heather going, look, you know, if something happened to me, what it... What is it you wanna be paid? Do you wanna pay off the mortgage, and how many years of income would would be suitable?\n\nBecause having that conversation can sort of help to provide clarity around what you might need to be covered for. But, realistically, that's a pretty high... A pretty good level of cover to have, and that would leave her completely free and clear and give her some income as a bit of a buffer. Does that sound okay for the moment? Yeah?\n\nBeautiful. You've also got your total permanent disability there. Now do you know how insurances work? Do you have any questions around that level of cover? That's the one underneath your life cover, TBD.\n\nYeah. Yeah. So TBD, your total permanent disability pays at a lump sum benefit or an income stream in the event that you're never able to go back to work again. So generally speaking, you need to be unable to go to work in any occupation for which you're educated, trained, or have worked in the past. It is a pretty diff...\n\nDifficult definition to claim on, but it does pay out a benefit if you're unable to ever go back to work. This shows you how much you're covered for at the moment. So you do have that benefit of $874,000.00 4. And, again, with TDD, if you are unable to get back to work ever again, under the condition of release of permanent incapacity, we can also get your super release. So you've got just over 1,200,000 of cover between your super and your TBD benefit there.\n\nDoes that feel fairly comfortable for you? Did you wanna look at maybe altering or reviewing that level of cover? So you're covered for 874,000 of a TBD, but then you're super benefit on top of that. Yeah. No.\n\nThat's absolutely fine. That is absolutely fine. It's not a problem at all. Yeah. No.\n\nThat's absolutely fine. Honestly, it's not a problem at all. Do you feel fairly comfortable with that level of cover? Are you fairly happy with it at the moment? Did you wanna talk about goals and kinda review that a bit deeper, or how do you feel about that?\n\nYeah. Yep. Beautiful. It is a fairly good level of cover. I mean, if we look at it the same way that we did with your life cover, paying out the $63,000, the mortgage essentially leaves you with still over $1,200,000 there to then supplement your income to kind of live off.\n\nAnd if you were to be TBD, I mean, with life, the benefits paid out to your to your spouse as a life payment. But with TBD, because you're often still alive, we would provide advice on how to structure the payments, how to draw the income to make sure it does work for you long term and stays appropriate as long as possible as well. So we would definitely look at how to structure it, how to draw an income, what to pay off to make sure you're covered, and how to make that benefit last as long as possible for you as well. Okay. Yeah.\n\nBeautiful. You've also got your income protection policy there. Now income protection can pay out a income stream in the event that you're unable to go to work in the shorter term. You can be covered for up to 70% of your pre disability income. So based on your current income and the amount you would need to be covered for, it does look like you're just slightly over insured there a little bit.\n\nSo 70% of your current income gives us a sum insured of $88,166. You're currently covered for $88,390. It does kind of mean that having a extra little bit of a benefit means if you do get, you know, bonuses or your salary goes up a little bit over the course of time, that you don't have to increase that policy because increasing a policy means you go back to underwriting again, which means the insurer reassesses the policy. So having this level of cover a little bit higher than what you need, can mean that you've got that little bit of extra in case you've got extra increases in your wage or bonuses that might come into account for. But it also does mean you're paying for a little bit more than what you can realistically claim on as well.\n\nDoes that make sense? Do you have more questions around that? That's okay. Are you happy with that level of income protection? Did you wanna look at altering that or keep it as it is?\n\nHow do you feel about that, James? Keep it? Yep. Beautiful. All good.\n\nUnderneath that, it does show how much you are paying for the insurances. So you'll see the two amounts there. Essentially, for this... The top amount, the 5,173, that is how much the insurer receives the benefit. How much you've actually paid out of super is below that.\n\nSo you actually paid $4,397.22. Unlike anything in our own name, we actually get a bit of a discount, a 15% discount for paying those insurance premiums out of super, and that's because of the taxation consequences and the way the money is transferred within the super system there. So getting a 15% discount and paying a little bit less than what the actual premium is is a good thing, but it does mean that these insurance premiums will get more expensive over time as well. So it is really important that we review them on a yearly basis and just make changes as needed. Does that make sense?\n\nDo you have more questions? You're welcome to let me know if you do. Yep. Beautiful. All good.\n\nAnd then underneath that, you've also got your trauma benefit noted there. So you're currently paying $84.21 on a monthly basis for your trauma, and it pays out a lump sum benefit currently of 107,660. Thinking about trauma, are you fairly happy with that level of cover? Did you wanna look at reviewing that? The trauma.\n\nSo trauma pays out a lump sum benefit in the event of a trauma... Traumatic diagnosis. So think about things like cancer, a heart attack, strokes, Parkinson's. Yeah. Major diagnosis, essentially.\n\nYeah. Yep. Yeah. That's okay. Yep.\n\nBeautiful. All good. All good. If you ever did wanna revisit those or if you have more questions, you're absolutely fine to let me know. What I can even do to make it easier if you like is I could note down and send us a general email to you after the call, which just outlines the different levels of cover, how they're paid, what they cover, and what your benefit is just to kinda give you a bit of a guide and, you know, allow you to sort of think it over and have a look at them as well later on.\n\nWould you like me to do that for you? Yep. Beautiful. It is a lot to sort of talk through, and sometimes we're thinking about it. We go back later and go, hey.\n\nMaybe this is what I would like to happen, or maybe this level of cover might benefit. So if I send that email, it gives you something to sort of have a think about. You can always talk to Heather and see what what you guys would like as a goal. And if you wanted to review those, you're welcome to come back and let me know. Okay?\n\nEasy. Fantastic. Fantastic. If you go to the next page there for me, the next one is your performance report with regard to your super there. Yeah.\n\nIt's got the... The heading is the performance report. Is it still loading? Beautiful. So it should say performance report with internal rate of return.\n\nIs that the document you can see there? Yes. Fantastic. Now this is showing you how your super has performed over the past twelve months there. On the front, you'll see all the individual investments.\n\nSo it kinda goes through what you're invested in individually there. The area I sort of like to show you to focus on is the second last column, which is your internal rate of return. The first page there goes through them all individually. They're all doing pretty well. There are some areas that aren't really responding quite well at the moment with regard to your super and investments in general.\n\nWhat we're sort of seeing here, the first one that Benelong Australian Equities investment. Now this is more of an actively managed fund. So the Now this is more of an actively managed fund. So the investment manager within Bennelong is meant to be trying to pick and time the market, choose investments to to invest in, and, essentially, outperform against the market. They're not really able to do that at the moment.\n\nOne of the things I kinda like to break down is this... In the... There's different ways to invest in your super or in investments in general. One of those is to have active management, which is where you pick and choose active investment managers depending on what you wanna see happen. And they're meant to be trying to outperform against the market and time the market and pick investments that are...\n\nThink Warren Buffett style. They're trying to pick investments at a certain price, buy in, and then get out when they, you know, reach overvalued, essentially. Van Alon has struggled to do that. Yeah. Van Alon has struggled to do that this year.\n\nThey've had a lot of ups and downs over the past couple of years and have had a lot since COVID. But this year, they've really actually struggled to do so. They've had some underlying issues within their investment profile, and I'm actually looking to kind of remove everyone from an investment. I know one of the things I try to look at is whether an investment is still valuable and whether an investment being down is what is important to stay in or whether it's worth getting out. Because of the issues and the research I've done around Bannalung at the moment, it is definitely worth removing them from your portfolio.\n\nWhat I wanna... Sort of wanted to gauge from you is to look at whether you have a preference on how you'd like your portfolios to be built because we have lots of different ways to invest. We can replace that with another active manager. There's no guarantees they'll be able to outperform against the market. They could have internal issues as well.\n\nAnd often, you pay a little bit more in fees to have an investment manager or an active investment manager in your portfolio. The other option I could look at if you would like to is looking at lowering investment fees within your portfolio and maybe having more of a passively managed portfolio. A passive manager is trying to just, essentially, follow an index. They're not trying to make snap decisions or outperform against the market. They can be cheaper.\n\nThey are following and tracking an index, and making changes in line with what changes occur in the indices. So they're making less changes in a portfolio. And quite often longer term, you can get much better returns by having passive managers in your portfolio rather than trying to time the market. Thinking about your super and what you'd like to see, how do you feel about that? What would you like to see?\n\nAnd do you have more quest... Yes. Yeah. What would you sort of... How would you like to see things?\n\nAnd you're welcome to ask more questions if you need to. Absolutely fine. That's okay. We have options, sir, that we can replace with both things. Essentially, one of the benefits to having more of a passively managed investment portfolio is that it can be cheaper.\n\nSo one of the ways that we can look to maybe swap things out and update things is to maybe reduce the fees, maybe take... So take out this active investment manager and put you in more of a passive portfolio, which can generate much higher returns longer term. It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track. Would you like to look at that as an option, or how do you sort of feel? Yeah.\n\nYeah. Absolutely. One of the things I sort of like to look at is the the other side is the risk level. So having an active manager in there means that you are taking a little bit more risk because they are trying to take and time the market, whereas more of a passively managed portfolio can be a little bit lower in risk essentially as well. Does that sound comfortable?\n\nDid you want me to sort of look at having more of an... Having another active manager in that? I'm happy to do either depending on your preference. How do you feel about that? Yeah?\n\nPerfect. Excellent. Well, what I'll do is I'll go back and have a look at your super fund as well as all the investments in that for you. There are some other changes I'd like to maybe look at your portfolio as well. So you'll see here you've also...\n\nUnderneath that banner along, you've got some bank hybrids. These are more of a defensive vest... Investment. Bank hybrids are very similar to bonds, essentially. They're lower risk, but they also tend to get lower rates of returns.\n\nHaving them in your portfolio is really good. It's to set down the track the government is actually phasing out these types of investments. They're removing bank hybrids from trying to streamline and make investments a little bit easier for people to understand. So these actually have an expiry. I would like to maybe look at removing them now and replacing them with some other defensive investment while we're making changes to your portfolio rather than down the track when we have to make changes, removing them quicker.\n\nAre you comfortable with me looking at that for you as well? Absolutely. No. That's perfect. I love it.\n\nIt's fantastic. It's great. It's absolutely fine. Not a problem. Your cybersecurity and your you're fine.\n\nLook. I speak like this when I'm at work, but you haven't heard me at home. So don't worry. There is nothing you can say that I haven't heard before, and I honestly just want you to be you. That's the part of what I love about a job is you get to be yourself.\n\nIt doesn't matter in any way, shape, or form. Excellent. Your bank hybrids are doing really well. There's realistically no no need to kinda remove them there. And your other Australian equities are also performing quite well.\n\nNo. Sorry. Global cybersecurity. My apologies if I said that. I'm sorry.\n\nYes. Your cybersecurity is doing quite well. You're absolutely fine. Your battery and lithium tech is in there. We could definitely have a look at ways to sort of make sure you keep that kind of exposure within the portfolio.\n\nPhysical gold is... Has had a bit of ups and downs this year, but it is still worth keeping physical gold in your portfolio. It was essentially at a thirty year high around about February. It had taken a bit of a dip in that time frame and has been kind of recovering back slowly, but it is still good to have physical gold in your portfolio. It is still a worthwhile asset there.\n\nThe... Underneath that, you've got core composite bonds, and these are, again, a more of a defensive investment. They are down a little bit in your portfolio, and it has got to do with inflation. So these sorts of bonds are affected by inflationary pressures, and we have had some very high inflation this year. So they have seen a bit of a dip in the portfolio, but they are still worth keeping in the portfolio.\n\nThere's no reason to remove them out. And when inflation is able to dip a little bit, you'll see the core composite bonds actually react quite well to that. So I do wanna sorta keep that investment in there, but I'll look at how to structure it for you. You've also got the S and P 500. So this is the second last one from the bottom.\n\nThis is giving you access and exposure to the top 500 companies on the a s... Sorry. On The US market. It's tracking the top... The S and P 500 index, and the S and P 500 index can essentially encompass anywhere from 500 to 520 different companies.\n\nAnd this is kind of a really good view of what a passive investment is. This investment is a passive investment. It is tracking the S and P 500 indices. So, essentially, whenever the committee meet for... To discuss what's happening in the S and P 500 and either to keep companies in or to remove companies from that, If they make changes to the index, then the iShares S and P 500 investment, they also make changes in line with that.\n\nSo it just essentially means that less less changes occur within the investment on a regular basis. So they're not, you know, trying to pick and time the market. They're not trying to, you know, find the right company at the right price and buying in at the exact right time. They're just making changes that need to happen as per the index, And that over time can have a much greater effect for you and provide much greater returns, but it also is lower cost. And that's one of the things that's really important is trying to, you know, where possible, reduce investment fees if possible, because it means that more money stays invested in your portfolio working harder for you over time.\n\nDoes that make sense? Yeah. And then you've... Underneath it, you've got the Van Eck property. Now this is giving you access and exposure to listed property.\n\nProperty has taken a bit of a hit. So this investment is down. Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit. So we are seeing that down a little bit at the moment. I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it.\n\nRealistically, we don't want to, you know, sell all the investments when they are down. We wanna allow them to come back and recover where possible. But within... Your property could be down for a while, and there might be another way to give you exposure to property without holding the investment there. Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you.\n\nYep. Do you have any questions about any of those investments at all so far? Yeah. So a physical gold doesn't pay any income. So income is essentially looking at dividends that are being paid at.\n\nAnd between all those investments, they all pay dividends throughout the course of the year, which is fantastic because dividends are paid to your cash account, and then that money is reinvested back in your portfolio. But commodities like physical gold and silver, they actually don't pay dividends. They're not... It's not income production... No.\n\nSorry. Non income producing asset. So it only gets growth. And that's why it's always good to have a bit of those sorts of investments, but you don't wanna have only those. You wanna sort of incorporate some income production out of your portfolio as well.\n\nDoes that make sense? Yeah. Yeah. Absolutely. That is a great question.\n\nIt does. Exactly. Yeah. If you go down to the next page of that one, so scroll down, you'll see there's a second page, and it basically correlates the returns seen from your entire portfolio. Yeah.\n\nSo when we look at this, it shows you the market value at the beginning. So this time last year, showing you had $381,501.46. Then we've got deposits. So this is a combination of money going in from dividends as well as contributions, and all the other, you know, you get rebates and things as well. And then withdrawals essentially looks at money coming out for taxes, for CDT because your super fund also pays taxes as well as insurance premiums and anything there.\n\nAnd then you've got your end market value. So that's the balance within your super at... As at the twenty eighth of the ninth. The next one is the income, and that shows that within this last twelve months, your portfolio has generated total income from all the investments above of $13,773.15, which is pretty good income. Yeah.\n\nThen you've got the growth. So when we look at returns, it's a combination of growth and income. This is showing that over the past twelve months, the growth within the portfolio has been $7,856.70. So it does show the growth is definitely less than what the income has been produced, and that is a lot to do with the fact that Bennelong is down and your property is down as well. Those two investments seem to be holding your portfolio back a little bit at the moment there.\n\nBut the next column is your total earnings. So this is a combination of your income plus your growth within the last twelve months, and it shows that within your portfolio, that's over $21,629.85. Yep. And as a percentage, the return is about 3.54%. So, realistically, the return is a lot lower than where I would like it to be.\n\nWith your portfolio and the way this is, you're in a growth growth portfolio. So that is essentially seeing 80% of your super invested in those growth higher risk investments like shares and property and gold and commodities because that's where you see a lot of the growth from. However, at times when the market is volatile and down and up and like what we've seen this year, you can also expect lower rates of returns from those sorts of investments. And that's essentially what's happened here. It's a combination of the volatility, what's been happening globally in your portfolio, but then also the fact that the government's also made those changes with the property.\n\nSo your property side of things is down holding your portfolio back. And then that actively managed fund, that's been a long investment. That's not performing great as well. They've had some internal issues there. So those two investments have sorta held things back a little bit.\n\nYour percentage is definitely lower than where I would like it to be. However, as much as it's a 3% return, it does show 3% gives you over $21,000 in income and growth. So, you know, if we had have been able to get from this year, you know, a nine or 10 or 11% return, you could imagine the earnings would have been a lot bigger on that side of things. Does that make sense? Yeah.\n\nSo what I would like to do, because this portfolio is a bit older, there are definitely some changes to make. I wanna go back, review the super, review the investment, make some changes to the portfolio, update things, and kind of look at how I can make them work a bit harder for you. We'll come back. I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make. I'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy.\n\nAnd then you get to take that away and have a really good read of that as well. How does that sound? Yep. Beautiful. Excellent.\n\nThat is a lot, and I understand that. Do you have any questions in relation to any of that, James, at all? No. That's okay. All good.\n\nIf you can scroll... Yes. Yeah. Definitely. Yep.\n\nNo. No. Absolutely fine. If you can go on to the next document for me, the next one there is... Yeah.\n\nSo this is a bit of a guide, and this is one of the things I love about my job is the educational value. It's not as interesting to everyone, and if you're not, that's okay. But this shows you how and why we invest the way we do. Essentially, if you're looking at the side of the document, you've got US shares, Australian shares, international shares, and listed property. You can see those on there?\n\nIt's on the... On... Where I'm facing? Yep. All good.\n\nThose are your growth assets. So when we sort of talked before that you're in a growth portfolio, you see 80% of your super invested in these sorts of growth assets there because they get the the best kind of returns longer term. If you think about this document here, it shows you that in 1996, if you had to put $10,000 into US shares as an example, you let it sit and compound over time, reinvesting any income that's being produced, it would have turned $10,000 into 218,544. That's a lot of money. It's essentially a compounded annual return of 10.8%.\n\nSo that is a really good rate of return. But if you think about the person investing in 1996, they have that 10,000 invested. They're reinvesting their income, but they're going through all these ups and downs. Following that line, they've gone through things like the, you know, the GST standard... The d...\n\nGST was introduced and .com bubble was there, the Bali bombing. They also had to go through the GFC. They had to go through COVID. They had to go through, you know, so many ups and downs. Exactly.\n\nAnd that's a very nervous sort of time to go through. When you sort of think about this... Yep. Absolutely. And the GFC lasted quite a while.\n\nYou know, we saw very large dips in the market, and it took basically until around about two thousand and ten to eleven for the market to really come back to where it was pre levels before that drop. So the GFC lasted quite some time and took quite a lot of recovery there. But this is essentially why we invest the way we do. When you're younger, when you've got more time on your side, we can go through those ups and downs, keep investing and keep putting money into your super to take advantage of those sorts of ups and downs. One of the things I like to sort of use as an analogy is if you were to buy a shirt and it was a really good quality shirt and it cost you $50, you're happy with that shirt, you're happy to pay that price for that quality shirt.\n\nThe next day... $50. The next day, the bingtang singlet. No. You're fine.\n\nIf that shirt was to go on sale the next day and it's down 50% to $25, you know, you look at it and you go, wow. Same same shirt. I could've bought two for the same amount of money if I'd held off. The same thing works with investing. If you were to say...\n\nIf I use the S and P 500 as an example, if that investment is, say, you buy in and the units of that investment are $50 per unit, if your super contributions go in and it's more than a $100, then you put a $100 into that investment. You get two units of that investment. The next week, your super contributions go in. If the market's taken a bit of a dip and that investment is worth $25, that same $100 buys you four units of that investment. And then as the market comes out, you've bought some units really cheap.\n\nYou actually take advantage of that. It's a way to buy low and sell high without actually having to time the market. And so what we wanna do is we wanna take advantage of the ups and downs in the market. And that's why we stay invested through the downtimes and keep investing through the ups and downs in the market. And you'll find over the course of, you know, five, ten, fifteen, twenty years, it actually provides a really great benefit.\n\nAnd that's how we grow our super to the levels that we want to do. That's how we take advantage of the ups and downs the market sees. But it is all easy to say that's what we wanna do, but it is really hard. When we see things going down, it does make us feel very nervous as human beings. We tend to feel...\n\nAbsolutely. And that compounds that downward effect. And that's essentially the biggest thing. Whenever you see the market taking a bit of a dip, 90% of that dip is human emotions. People have read something that makes them feel nervous.\n\nSo a couple of people sell, then someone else starts to sell. Then people see that is going down, and they start to sell, and it starts a chain reaction. What my job is is to help you avoid doing that, not to make that kind of a reaction. So when I kind of look at your portfolio and go, hey. I wanna make some changes to it.\n\nIt's because I've reviewed the investments, because I've deemed those investments no longer viable, and that we really should look to move you into something else to replace them and to keep your super building and working harder. Does that make sense? Yeah. Yeah. So, realistically, at your age now...\n\nNow double checking, I've got you wanting to... You are 50 years. What age are you hoping to be able to fully retire and maybe access your super? What would your goal age be? 50.\n\nNo. Absolutely fine. Yep. So the earliest you can access super is the age of 60 if you fully retire. Did you want me to use sixty years ago, or do you think you'd be looking to work till 65?\n\nHow do you think you feel? Yeah. Beautiful. So 60 as a goal, not a problem at all. So that gives you about ten years before accessing super.\n\nSo, realistically, that does still suit that growth environment, that 8020 split that's been invested in that sort of growth environment. We understand and expect a negative year to occur, say, one in every five years. And this kind of portfolio, you're looking to try and obtain around about seven to 9% on a yearly basis. With volatility, you can get higher than that 9% quite comfortably, but it also means that years like this year, when things might not be working very well, that we do expect the return to be lower than that seven mark. So it's about just kinda reviewing things and, you know, looking at and making sure you're comfortable there.\n\nThinking about that level of exposure, are you still comfortable with that? Did you wanna look at maybe reducing your exposure or reducing your risk level? How do you feel about that? That's okay. I have a...\n\nNo. You're absolutely fine. I've got a questionnaire to go through. Let's run through this, and we'll talk us through about how you would feel or might react. I've answered some of them for you already.\n\nThe first one here is, have you ever invested in shares or direct managed funds in your own name before? Perfectly fine. The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super? And do you feel comfortable taking on a higher level of risk to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower?\n\nWhere do you think you might fit on that scale? Yep. In the middle. Yep. Beautiful.\n\nThe next one here says, if you saw your super fall by 20% over the next six to twelve months, how might that be making you feel? Are you a bit optimistic about the investment, maybe putting some more money in, taking advantage of the downtime? Are you a bit cautious and concerned, maybe calling us and seeing what we suggest you do and maybe looking to hold and wait through that time frame? Are you more very anxious and maybe wanting to sell your investments to cash and the cap... And crystallize those losses?\n\nHow do you think you might react and feel? Yep. Absolutely. Yep. Perfect.\n\nMhmm. The next one here is basically asking, have you ever thought about borrowing in order to invest in shares or manage funds, or have you only ever wanted to borrow for safe property? For property? Yeah. Perfect.\n\nLovely. Thank you for that. Now, look, that's the end of that questionnaire, happily. You've scored there as a growth investor. So as I kinda mentioned before, you are in that growth portfolio.\n\nIt says 80% in those growth assets, like US shares, Australian shares, international shares, and property, and then 20% in low risk defensive investments like cash and bonds. This does still suit your time horizon because you still have ten years before you're able to access Super. It still suits your investment time horizon. You... When you think about risk out of a number between one and four...\n\nSo... Oh, sorry. One and five. So five being, you know, no risk at all, all sitting in cash, one being a 100% aggressive, all in shares. You're sitting at about a three.\n\nSo you're kind of in that mid range there. You you have more than six years ahead of you, so you can stay in this environment. You know, you've got that seven to 9%. We could quite comfortably alter the portfolio and kind of build on that for you. When you are about six years away from accessing your super, I would be absolutely trying to push you down and start to reduce your risk level a little bit.\n\nBut for now, are you comfortable with you... With me retaining that growth portfolio? Did you wanna... Do you wanna start reducing risk in line with, you know, a bit of comfort? How do you feel?\n\nRetain it? Beautiful. Do you have any questions? I'll try to sort of explain it as much as I possibly can, but it can be a lot to kinda go through. Do you have any questions in relation to any of that?\n\nYep. That's beautiful. There we go. Excellent. So I'll review everything and keep you in line with that growth portfolio.\n\nFantastic. Now in that order you sign, the last couple of documents attached are your Zurich certificate of the currencies that runs you through all the different insurance policies in a little bit more detail there for you. We also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me and also my licensing information in there for you as well. So you're welcome to look me up.\n\nIt outlines all of our services for you there as well. The last... Oh, no. No. No.\n\nYou're fine. Yep. And the last two documents attached there are the tax file opt in form. So it lets you know that we hold your tax phone number, how and why we do so. It's about making sure that you're fully aware of the information we hold on you and also the ongoing services agreement there as well.\n\nSo you do pay 1.65 for our services. This is essentially keeping it as it is for the next twelve months there. Down the track, we are looking to update our ongoing service fee. When that does, I'll go through it with you. But for the time being, you're on that 1.65.\n\nThat is deducted from your super account on a monthly basis in smaller monthly increments for our services there. And we make sure... Essentially, we wanna make sure that you're receiving, you know, enough of a return to cover our ongoing service fee, but then that your super is growing and building and working on top of that as well, which is really important. Does that all make sense? And do you have any questions there at all, James?\n\nNo? Beautiful. You're welcome to take some time to review those ones. If you did or are comfortable to do so, when you're ready, we'll get you to sign and return them back just so we can keep a record of those. For us to be able to provide advice and update everything, we do have to have the ongoing service agreement signed and returned back.\n\nSo feel free to run your eyes over them. And when you are comfortable, I'll get you to sign and return those back there for me as well. Okay? Beautiful. No.\n\nYou're fine. As I said, you do you. You speak your mind. You ask questions. I'm absolutely fine with it.\n\nIs that the Taxbot of OdooSign? Yep. That's the platform we use. It's very much similar to DocuSign. Yep.\n\nIs it just... If you click on it, it might be prepopulating a signature for you. And then it might ask you to... Often you need to click on this... The date section as well, and it should automatically update the date for you.\n\nYes. Yeah. That's... Just letting you know that we hold that. Yeah.\n\nYep. Beautiful. No. You're fine. And it's come back to me.\n\nThat's all being done there, James. Thank you so much for that. I really appreciate it. The last couple of things I just wanted to update are just your assets and liabilities that we had noted here. Now your main primary residence, the value we had on that house last year was about 1,100,000.\n\nWhat kind of value would you put on it now? 1.2? Yep. Beautiful. Fantastic.\n\nLovely. And I had a Toyota Prado on here with an asset value of 40,000. Would you alter that value? Yes. That's okay.\n\nI've also got a Ford Galaxy 1964 at 40,000. What kind of value would you put on that currently? Yep. Beautiful. And then I've also got a 1971 x y Falcon Ute with 40,000 on it.\n\nI've also got the Ford x y ute. Yep. And that was a 35,000 value, the Ford x y ute. Yeah. Beautiful.\n\nAnd that's all I have noted here. Do you have any other vehicles that you've got there valuable? No? No. That's okay.\n\nNo. That's okay. Yeah. They're fantastic. Actually, really cool cars.\n\nDid you do them up? Is that kind of what you enjoy doing outside of work? Or Oh, awesome. Yeah. Yep.\n\nYeah. Mhmm. Oh, wow. Yep. Beautiful.\n\nYeah. No. That's fantastic. That's excellent. I've updated your income there now.\n\nSorry. I understand that. Yeah. Definitely. And income wise, now I noticed that you're not paying any additional contributions to super.\n\nAre you open to doing that to kinda help build your super, or you'd prefer not to? How do you feel about those additional contributions? Yep. That's absolutely fine. Once the house is paid off...\n\nThat's okay. I can revisit that down the track for you. I'll put it down as a medium term goal, something we can revisit down the track. Easy. Beautiful.\n\nI also have down here that you have two financial dependents at home. So two kids still living at home. Is that right? Yep. Beautiful.\n\nAnd I've got Heather down as your next of kin. I've also got her noted as your beneficiary for your life insurance and your super. You're still happy with that a 100% order, Heather? Yep. Beautiful.\n\nThe other thing I've got noted here is that you don't have a will or power of attorney. Is that something you guys have discussed in the past? Yep. Have you kinda talked about getting one done or seeking the services of a solicitor, or is it just on the list to do down the track? On the list.\n\nBeautiful. We'll make that for you. Excellent. And so any other goals down the track that you might be looking at? No.\n\nThat's okay. Perfect. That's not a problem at all. Well, look. That's everything I needed to go through.\n\nI really appreciate you taking the time again. I'm very sorry that I didn't call you late. It's not my preference at all, but wanna make sure that everyone gets the best they can out of their review. Is there anything that I maybe haven't touched on that you wanted to ask or discuss with me, or do you have any questions in relation to anything I've gone through with you at all? Yeah.\n\nBeautiful. Well, what I'd like to do now is just book you in for... In a couple of weeks to go back and review the advice document after I've done the research. Is there a day or time that normally suits you best? Yeah.\n\nBeautiful. Is sort of this time of the afternoon, that's sort of 04:30 suited to you? Yep. Perfect. So if we go to three, the week of the October 29, I do have availability.\n\nThe same time is today if you like. So it's 04:30 my time, which is 05:30 your time. Would that be okay for me to book you in then to go through your advice document? Beautiful. I'll put statement of advice there.\n\nI'll add a text message reminder so it sends you a message an hour prior. If anything comes up, please let me know. But I'll get the research and have the advice document ready to go then. We can go through that together. How does that sound?\n\nBeautiful. Look. Thank you so much for your time. It's been a pleasure. I hope you have a good rest of your week.\n\nThanks. You too. Thanks, James. I'll talk to you soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":2.1599998,"end":2.72,"sentiment":"neutral","sentiment_score":0.10532037168741226},{"text":"It's Dana from Oku Financial.","start":2.72,"end":4.26,"sentiment":"neutral","sentiment_score":0.17837317287921906},{"text":"How are you this afternoon?","start":4.48,"end":5.7,"sentiment":"neutral","sentiment_score":0.23043240010738372},{"text":"I'm very well.","start":7.9199996,"end":8.8,"sentiment":"positive","sentiment_score":0.6165840824445089},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.6212599575519562}],"sentiment":"neutral","sentiment_score":0.31452592769089865,"num_words":17,"start":2.1599998,"end":9.2},{"sentences":[{"text":"Firstly, I would like to apologize.","start":9.2,"end":10.82,"sentiment":"neutral","sentiment_score":-0.06597029759238164},{"text":"I'm so very sorry.","start":10.96,"end":12.08,"sentiment":"neutral","sentiment_score":-0.220403753221035},{"text":"My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize.","start":12.08,"end":17.485,"sentiment":"neutral","sentiment_score":-0.24109404307344687},{"text":"It's not at all what I wanted to happen.","start":17.705,"end":19.645,"sentiment":"negative","sentiment_score":-0.465690811475118},{"text":"Oh, thank you.","start":23.865,"end":24.904999,"sentiment":"neutral","sentiment_score":0.22887754440307617}],"sentiment":"neutral","sentiment_score":-0.2294929879821009,"num_words":45,"start":9.2,"end":24.904999},{"sentences":[{"text":"I'm so glad the team did that.","start":24.904999,"end":26.505001,"sentiment":"positive","sentiment_score":0.4530157617160252},{"text":"It's all good.","start":26.505001,"end":27.145,"sentiment":"neutral","sentiment_score":0.32096945742766064},{"text":"But, no, honestly, I do apologize.","start":27.145,"end":28.845001,"sentiment":"neutral","sentiment_score":-0.198837844034036},{"text":"It's not preferred at all.","start":28.904999,"end":30.45,"sentiment":"negative","sentiment_score":-0.5063708007335663},{"text":"Just...","start":31.09,"end":31.59,"sentiment":"neutral","sentiment_score":-0.22331435978412628}],"sentiment":"neutral","sentiment_score":0.008446512574499304,"num_words":22,"start":24.904999,"end":31.59},{"sentences":[{"text":"Oh, of course, they have.","start":33.010002,"end":34.23,"sentiment":"neutral","sentiment_score":-0.06220978498458862},{"text":"Sounds about right.","start":36.13,"end":37.27,"sentiment":"neutral","sentiment_score":-0.0646675278743108},{"text":"No.","start":37.41,"end":37.73,"sentiment":"neutral","sentiment_score":-0.08107263594865799},{"text":"Honestly, it's all good.","start":37.73,"end":39.27,"sentiment":"neutral","sentiment_score":0.07208351232111454},{"text":"No.","start":41.49,"end":41.65,"sentiment":"neutral","sentiment_score":-0.03600401058793068}],"sentiment":"neutral","sentiment_score":-0.023842436128429005,"num_words":14,"start":33.010002,"end":41.65},{"sentences":[{"text":"No.","start":41.65,"end":41.81,"sentiment":"neutral","sentiment_score":-0.04046176373958587},{"text":"Honestly, the team here are fantastic and lovely, and I will message them to say I'm running a little bit late.","start":41.81,"end":46.705,"sentiment":"neutral","sentiment_score":0.24423992935390698},{"text":"Sorry, guys.","start":46.705,"end":47.265,"sentiment":"neutral","sentiment_score":0.027629492804408073},{"text":"Can you just follow-up?","start":47.265,"end":48.065,"sentiment":"neutral","sentiment_score":0.07992511335760355},{"text":"And they were more than happy to do so for me.","start":48.065,"end":50.225,"sentiment":"positive","sentiment_score":0.38406849855726416}],"sentiment":"neutral","sentiment_score":0.2484176839964512,"num_words":39,"start":41.65,"end":50.225},{"sentences":[{"text":"So, again, I apologize.","start":50.225,"end":51.685,"sentiment":"neutral","sentiment_score":0.04133622720837593},{"text":"I'd like to make sure I'm on time for everybody, but also wanna make sure that everyone gets, you know, the attention that they deserve as well.","start":51.825,"end":59.08,"sentiment":"neutral","sentiment_score":0.162871357191492},{"text":"So I do apologize for running over in those last couple of calls there.","start":59.08,"end":62.940002,"sentiment":"neutral","sentiment_score":-0.05787474821720805},{"text":"All good.","start":70.465004,"end":71.285,"sentiment":"neutral","sentiment_score":0.2294764667749405},{"text":"Fantastic.","start":71.665,"end":72.165,"sentiment":"positive","sentiment_score":0.568497896194458}],"sentiment":"neutral","sentiment_score":0.0995849147439003,"num_words":48,"start":50.225,"end":72.165},{"sentences":[{"text":"Thank you so much for that.","start":72.465004,"end":74.165,"sentiment":"positive","sentiment_score":0.6002115706602732},{"text":"James, so we're going through your annual review today, and I've had a bit of a look at things.","start":74.225006,"end":78.065,"sentiment":"neutral","sentiment_score":0.20765689721232966},{"text":"There's definitely some advice I wanted to sort of look at doing to update things for you there.","start":78.065,"end":82.325005,"sentiment":"neutral","sentiment_score":0.155578865773148},{"text":"Before I jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes.","start":82.920006,"end":88.840004,"sentiment":"neutral","sentiment_score":0.1108476806145448},{"text":"Are you happy for me to proceed with that?","start":88.840004,"end":91.18,"sentiment":"neutral","sentiment_score":0.14020902001195484}],"sentiment":"neutral","sentiment_score":0.1857832170640811,"num_words":78,"start":72.465004,"end":91.18},{"sentences":[{"text":"No.","start":102.495,"end":102.995,"sentiment":"neutral","sentiment_score":-0.17236630618572235},{"text":"Never.","start":103.295,"end":103.795,"sentiment":"neutral","sentiment_score":-0.1728053092956543},{"text":"Never.","start":104.495,"end":104.995,"sentiment":"neutral","sentiment_score":-0.16819189488887787},{"text":"Absolutely not.","start":105.935,"end":107.235,"sentiment":"neutral","sentiment_score":-0.2263253554701805},{"text":"Fantastic.","start":107.775,"end":108.275,"sentiment":"neutral","sentiment_score":0.003025256097316742}],"sentiment":"neutral","sentiment_score":-0.16049816086888313,"num_words":6,"start":102.495,"end":108.275},{"sentences":[{"text":"And just to do a quick security check there with you as well, I am discussing your personal information.","start":109.375,"end":113.95,"sentiment":"neutral","sentiment_score":0.048272259729473216},{"text":"So just to confirm your full name, your date of birth, and address that I should have on file here for you.","start":113.95,"end":118.77,"sentiment":"neutral","sentiment_score":0.05089691569182006},{"text":"Yep.","start":121.63,"end":122.13,"sentiment":"neutral","sentiment_score":0.015741050243377686},{"text":"Yep.","start":123.71,"end":124.21,"sentiment":"neutral","sentiment_score":0.009223487228155136},{"text":"Beautiful.","start":127.505,"end":128.005,"sentiment":"positive","sentiment_score":0.5284073352813721}],"sentiment":"neutral","sentiment_score":0.05886993074620312,"num_words":44,"start":109.375,"end":128.005},{"sentences":[{"text":"That's everything.","start":130.145,"end":130.945,"sentiment":"positive","sentiment_score":0.4087931960821152},{"text":"You've done great.","start":130.945,"end":131.825,"sentiment":"positive","sentiment_score":0.7228187719980875},{"text":"Thank you so much for that.","start":131.825,"end":133.365,"sentiment":"positive","sentiment_score":0.7871233026186625},{"text":"All good.","start":133.585,"end":134.405,"sentiment":"positive","sentiment_score":0.5483044534921646},{"text":"Now part of the annual review is I do send through some annual review documents, some some client compliance documents, sorry, for you to go through with me just so you can see the things that I'm talking about.","start":134.945,"end":144.70999,"sentiment":"neutral","sentiment_score":0.035571879014754906}],"sentiment":"neutral","sentiment_score":0.19601335985442767,"num_words":52,"start":130.145,"end":144.70999},{"sentences":[{"text":"Are you able to access your emails there at the moment at all?","start":145.09,"end":148.23,"sentiment":"neutral","sentiment_score":-0.008393848959643107},{"text":"If you can't, it's okay.","start":149.97,"end":151.51,"sentiment":"neutral","sentiment_score":-0.047180648520588876},{"text":"Yeah?","start":152.20999,"end":152.70999,"sentiment":"neutral","sentiment_score":0.02009402960538864},{"text":"Okay.","start":153.545,"end":154.045,"sentiment":"neutral","sentiment_score":0.0569959357380867},{"text":"I'm just sending through the documents via Odoo sign now for you.","start":154.185,"end":159.245,"sentiment":"neutral","sentiment_score":0.07412235004206498}],"sentiment":"neutral","sentiment_score":0.01942296521156095,"num_words":32,"start":145.09,"end":159.245},{"sentences":[{"text":"Hopefully, it pops through fairly quickly.","start":160.825,"end":163.005,"sentiment":"neutral","sentiment_score":0.13034052215516567},{"text":"Technology isn't always on our side.","start":163.145,"end":165.485,"sentiment":"neutral","sentiment_score":-0.1331235741575559},{"text":"And that should come through from Odoo Sign, and I believe it also comes through from Dana Taylor, which is me.","start":175.45999,"end":180.375,"sentiment":"neutral","sentiment_score":0.010082218441225234},{"text":"There we go.","start":189.975,"end":190.695,"sentiment":"neutral","sentiment_score":0.02093355233470599},{"text":"Fantastic.","start":190.695,"end":191.195,"sentiment":"neutral","sentiment_score":0.31477445363998413}],"sentiment":"neutral","sentiment_score":0.015475767186364613,"num_words":37,"start":160.825,"end":191.195},{"sentences":[{"text":"That's okay.","start":194.6,"end":195.32,"sentiment":"neutral","sentiment_score":0.13694830983877182},{"text":"So if you open the email, it'll say click to sign or to, you know, view to sign.","start":195.32,"end":200.76001,"sentiment":"neutral","sentiment_score":0.07610847718185848},{"text":"You'll click the button so you can move forward.","start":200.76001,"end":202.68001,"sentiment":"neutral","sentiment_score":0.13824347820546892},{"text":"It'll show you each of the documents there.","start":202.68001,"end":204.94,"sentiment":"neutral","sentiment_score":0.17438638489693403},{"text":"It'll never ask you any to sign anything you haven't read.","start":205.24,"end":208.225,"sentiment":"neutral","sentiment_score":0.08118547668511217}],"sentiment":"neutral","sentiment_score":0.10783691323983173,"num_words":48,"start":194.6,"end":208.225},{"sentences":[{"text":"So we'll go through them first, and then if you wanna take more time to read them, you can.","start":208.225,"end":212.405,"sentiment":"neutral","sentiment_score":0.10682173739922673},{"text":"It'll never force you to sign anything that you're not comfortable signing.","start":212.705,"end":215.765,"sentiment":"neutral","sentiment_score":-0.06676313901940982},{"text":"Okay.","start":215.825,"end":216.325,"sentiment":"neutral","sentiment_score":0.11447151005268096},{"text":"Fantastic.","start":217.745,"end":218.245,"sentiment":"positive","sentiment_score":0.3788143992424011},{"text":"Now the first document you'll see attached there is essentially the summary of superannuation and insurances as of the September 28 there.","start":219.11,"end":227.03,"sentiment":"neutral","sentiment_score":0.18482428721406244}],"sentiment":"neutral","sentiment_score":0.10523410127921538,"num_words":55,"start":208.225,"end":227.03},{"sentences":[{"text":"Can you see that one?","start":227.03,"end":228.17,"sentiment":"neutral","sentiment_score":0.11685813516378403},{"text":"Fantastic.","start":229.43,"end":229.93,"sentiment":"positive","sentiment_score":0.4237496256828308},{"text":"So it's giving you an updated on your balance there.","start":230.06999,"end":232.625,"sentiment":"neutral","sentiment_score":0.26121846213936806},{"text":"So when I had a look back at this time last year, your balance sitting there was about 381,501.","start":232.625,"end":240.165,"sentiment":"neutral","sentiment_score":0.040608661200263},{"text":"Your balance as of the September 28, you're sitting at $406,136.37.","start":240.22499,"end":247.685,"sentiment":"neutral","sentiment_score":0.05580103397369385}],"sentiment":"neutral","sentiment_score":0.10881740998719698,"num_words":46,"start":227.03,"end":247.685},{"sentences":[{"text":"And as of today, is that your balance has increased even further to 408,589.","start":247.85,"end":254.01001,"sentiment":"neutral","sentiment_score":0.17241677109684264},{"text":"So it is good.","start":254.01001,"end":254.81,"sentiment":"positive","sentiment_score":0.5922224372625351},{"text":"We have seen an increase on your super there.","start":254.81,"end":257.31,"sentiment":"neutral","sentiment_score":0.24013547764884102},{"text":"Okay?","start":257.37,"end":257.87,"sentiment":"neutral","sentiment_score":0.08831849694252014},{"text":"Excellent.","start":259.21,"end":259.71,"sentiment":"positive","sentiment_score":0.46004971861839294}],"sentiment":"neutral","sentiment_score":0.2583555882347041,"num_words":29,"start":247.85,"end":259.71},{"sentences":[{"text":"Underneath that, you've also got your insurance policy.","start":260.675,"end":263.41498,"sentiment":"neutral","sentiment_score":0.15260601975023746},{"text":"So this is showing the insurances which are paid out of super.","start":263.47498,"end":266.69498,"sentiment":"neutral","sentiment_score":0.08482751715928316},{"text":"You've got your life sum insured of 981,666.","start":266.91498,"end":272.82,"sentiment":"neutral","sentiment_score":0.05347668472677469},{"text":"That's...","start":273.06,"end":273.56,"sentiment":"neutral","sentiment_score":0.011231204494833946},{"text":"The insurance is owned by Zurich and paid out of your hub twenty four super account with the level of cover you have there.","start":274.1,"end":280.74002,"sentiment":"neutral","sentiment_score":0.01728107190380494}],"sentiment":"neutral","sentiment_score":0.05835035418704996,"num_words":53,"start":260.675,"end":280.74002},{"sentences":[{"text":"Now the way I like to sort of frame this is if you would have passed away today, I definitely don't want anything to happen to you, but if you were, the level of cover pays out to your beneficiaries at 981,666, plus your super benefit of 406,000...","start":280.74002,"end":298.55502,"sentiment":"neutral","sentiment_score":-0.06985207097507858},{"text":"Now 408,000 there.","start":298.55502,"end":300.81,"sentiment":"neutral","sentiment_score":-0.0371750183403492},{"text":"Do you feel like between that level of cover that would be appropriate?","start":300.88998,"end":304.25,"sentiment":"neutral","sentiment_score":-0.06155287445737766},{"text":"Did you wanna kinda go back and review that at all?","start":304.25,"end":306.91,"sentiment":"neutral","sentiment_score":-0.055626656182787636},{"text":"I I definitely don't want anything to happen to you.","start":313.095,"end":316.475,"sentiment":"negative","sentiment_score":-0.3966605544090271}],"sentiment":"neutral","sentiment_score":-0.10403659519849016,"num_words":85,"start":280.74002,"end":316.475},{"sentences":[{"text":"Yep.","start":322.77502,"end":323.27502,"sentiment":"neutral","sentiment_score":0.006287944968789816},{"text":"To kinda break it down to make it a bit easier for you, if you think about that level of cover, so adding your super balance at the current balance of 408,000 to that level of cover, you essentially have 1,390,000 of a life cover that can be paid out to your beneficiaries.","start":323.415,"end":340.97,"sentiment":"neutral","sentiment_score":0.05451258953731015},{"text":"Having a look at what that could cover for you would be...","start":342.975,"end":346.01498,"sentiment":"neutral","sentiment_score":0.014493910440554222},{"text":"Now I had down here last year that your mortgage, you owed about 85,000.","start":346.01498,"end":350.195,"sentiment":"neutral","sentiment_score":-0.02909138293138572},{"text":"How much do you owe on the mortgage currently?","start":350.335,"end":352.35498,"sentiment":"neutral","sentiment_score":-0.020763503801491525}],"sentiment":"neutral","sentiment_score":0.027811586746966904,"num_words":89,"start":322.77502,"end":352.35498},{"sentences":[{"text":"Not a bad thing.","start":364.51,"end":365.57,"sentiment":"neutral","sentiment_score":0.04929129406809807},{"text":"Yeah.","start":376.355,"end":376.83502,"sentiment":"neutral","sentiment_score":0.03149530291557312},{"text":"That's okay.","start":376.83502,"end":377.655,"sentiment":"neutral","sentiment_score":0.05239348113536835},{"text":"63,000.","start":378.595,"end":379.815,"sentiment":"neutral","sentiment_score":0.05620390176773071},{"text":"Beautiful.","start":379.95502,"end":380.45502,"sentiment":"positive","sentiment_score":0.4717024564743042}],"sentiment":"neutral","sentiment_score":0.09570597774452633,"num_words":9,"start":364.51,"end":380.45502},{"sentences":[{"text":"Fantastic.","start":380.83502,"end":381.33502,"sentiment":"positive","sentiment_score":0.504883885383606},{"text":"So if we had a look at that, with that level of cover, it could pay off your mortgage of 63,000.","start":382.08,"end":387.54,"sentiment":"neutral","sentiment_score":0.2414952175957816},{"text":"That essentially clears the mortgage free and clear, leaving Heather to completely debt free.","start":388.08,"end":393.3,"sentiment":"neutral","sentiment_score":0.2581360084669931},{"text":"But then I've also got your income sitting at about a 130,000.","start":393.36,"end":397.12,"sentiment":"neutral","sentiment_score":-0.008380813039063165},{"text":"Does that still sound appropriate, or does your income increase?","start":397.12,"end":399.905,"sentiment":"neutral","sentiment_score":-0.028787904791533946}],"sentiment":"neutral","sentiment_score":0.15175411670773836,"num_words":58,"start":380.83502,"end":399.905},{"sentences":[{"text":"Mhmm.","start":404.925,"end":405.425,"sentiment":"neutral","sentiment_score":0.00479085510596633},{"text":"About 100 and 40,000?","start":411.32498,"end":413.00497,"sentiment":"neutral","sentiment_score":0.0024672960862517357},{"text":"Yeah.","start":413.00497,"end":413.4,"sentiment":"neutral","sentiment_score":0.17763546109199524},{"text":"Beautiful.","start":413.47998,"end":413.97998,"sentiment":"positive","sentiment_score":0.5770529508590698},{"text":"Excellent.","start":414.6,"end":415.1,"sentiment":"positive","sentiment_score":0.6782625317573547}],"sentiment":"neutral","sentiment_score":0.18095137289492413,"num_words":8,"start":404.925,"end":415.1},{"sentences":[{"text":"So then with that level of cover, it clears your mortgage free and clears.","start":415.32,"end":419.16,"sentiment":"positive","sentiment_score":0.3942812404462269},{"text":"At least Heather completely debt free.","start":419.16,"end":421.34,"sentiment":"neutral","sentiment_score":0.24917454520861307},{"text":"And then if you think about, you know, how much it could cover your income at, say, a 140,000, and she may not need that full amount.","start":421.4,"end":429.885,"sentiment":"neutral","sentiment_score":0.09748427763029381},{"text":"So it would go further, but it would cover your current income then for about nine point...","start":429.885,"end":435.085,"sentiment":"neutral","sentiment_score":0.10244840493097025},{"text":"Let's say nine years and four months, essentially.","start":435.085,"end":437.585,"sentiment":"neutral","sentiment_score":0.00233374978415668}],"sentiment":"neutral","sentiment_score":0.15843545855022967,"num_words":72,"start":415.32,"end":437.585},{"sentences":[{"text":"Does that feel like a fairly appropriate level of cover?","start":438.605,"end":441.94,"sentiment":"neutral","sentiment_score":0.017393019795417786},{"text":"I mean, realistically, without a mortgage, that that debt isn't being paid for anymore.","start":441.94,"end":446.42,"sentiment":"neutral","sentiment_score":-0.08727486404989447},{"text":"So if you're paying, you know, 5 or $600 a week on the mortgage repayment, that could reduce, you know, how much you'd need to live on.","start":446.42,"end":454.12,"sentiment":"neutral","sentiment_score":-0.05568023267443533},{"text":"So, realistically, that level of cover could pay out the mortgage and then provide Heather with your income for a little over 10 years if needed to if she lives on a lower...","start":454.525,"end":463.745,"sentiment":"neutral","sentiment_score":0.04564364200853037},{"text":"A lesser amount of money.","start":464.045,"end":465.405,"sentiment":"neutral","sentiment_score":-0.08115135431289673}],"sentiment":"neutral","sentiment_score":-0.01630113220491101,"num_words":89,"start":438.605,"end":465.405},{"sentences":[{"text":"Do you feel like that's fairly appropriate?","start":465.405,"end":467.21002,"sentiment":"neutral","sentiment_score":-0.043547523873192925},{"text":"Did you wanna kind of review that at all, or how do you feel about that?","start":467.35,"end":470.89,"sentiment":"neutral","sentiment_score":-0.041948956437408924},{"text":"Yep.","start":478.87,"end":479.115,"sentiment":"neutral","sentiment_score":-0.05882164090871811},{"text":"No.","start":483.035,"end":483.535,"sentiment":"neutral","sentiment_score":-0.09827610850334167},{"text":"That's absolutely fine.","start":483.595,"end":484.715,"sentiment":"neutral","sentiment_score":0.07831937664498885}],"sentiment":"neutral","sentiment_score":-0.03207698534242809,"num_words":28,"start":465.405,"end":484.715},{"sentences":[{"text":"I can promise you I'll ask you all the questions you probably never thought about answering.","start":484.715,"end":488.395,"sentiment":"neutral","sentiment_score":-0.013386281207203863},{"text":"It's part of what I do, unfortunately.","start":488.395,"end":490.41498,"sentiment":"neutral","sentiment_score":-0.08142987691930362},{"text":"Yeah.","start":493.05,"end":493.55,"sentiment":"neutral","sentiment_score":0.1447087824344635},{"text":"Yeah.","start":496.72998,"end":497.05,"sentiment":"neutral","sentiment_score":0.13459385931491852},{"text":"That's okay.","start":497.05,"end":497.78998,"sentiment":"neutral","sentiment_score":0.2030518352985382}],"sentiment":"neutral","sentiment_score":-0.003658641681626991,"num_words":27,"start":484.715,"end":497.78998},{"sentences":[{"text":"Not a problem at all.","start":498.25,"end":499.12997,"sentiment":"neutral","sentiment_score":0.22041587829589843},{"text":"If you ever felt like you maybe wanted to review that, we can absolutely look at doing so.","start":499.12997,"end":503.55,"sentiment":"neutral","sentiment_score":0.17183840688731936},{"text":"Those levels of cover that you do have, they are index.","start":503.84998,"end":506.745,"sentiment":"neutral","sentiment_score":0.08695201778953726},{"text":"They do increase over time.","start":506.745,"end":508.26498,"sentiment":"neutral","sentiment_score":0.10685297846794128},{"text":"So each year that that goes through renewal, the amount that you're actually covered for increases just slightly.","start":508.26498,"end":513.325,"sentiment":"neutral","sentiment_score":0.09460270756648646}],"sentiment":"neutral","sentiment_score":0.12962730771355463,"num_words":57,"start":498.25,"end":513.325},{"sentences":[{"text":"But it also does mean that the insurance cost does increase over time as well.","start":513.865,"end":518.045,"sentiment":"neutral","sentiment_score":-0.016108984872698785},{"text":"So taking some time down the track and having a bit of a think about what what you actually wanted to happen isn't a bad idea.","start":518.745,"end":524.52,"sentiment":"neutral","sentiment_score":0.2105647849921997},{"text":"Even having that conversation with Heather going, look, you know, if something happened to me, what it...","start":524.52,"end":528.84,"sentiment":"neutral","sentiment_score":0.05224004656295566},{"text":"What is it you wanna be paid?","start":528.84,"end":530.2,"sentiment":"neutral","sentiment_score":-0.014001784180956227},{"text":"Do you wanna pay off the mortgage, and how many years of income would would be suitable?","start":530.2,"end":534.10504,"sentiment":"neutral","sentiment_score":0.0015325429027571397}],"sentiment":"neutral","sentiment_score":0.07377038010191626,"num_words":82,"start":513.865,"end":534.10504},{"sentences":[{"text":"Because having that conversation can sort of help to provide clarity around what you might need to be covered for.","start":534.10504,"end":540.365,"sentiment":"neutral","sentiment_score":0.0545222757384181},{"text":"But, realistically, that's a pretty high...","start":540.42505,"end":542.42505,"sentiment":"neutral","sentiment_score":-0.05136564994851748},{"text":"A pretty good level of cover to have, and that would leave her completely free and clear and give her some income as a bit of a buffer.","start":542.42505,"end":549.69995,"sentiment":"positive","sentiment_score":0.40885813002075466},{"text":"Does that sound okay for the moment?","start":549.69995,"end":551.39996,"sentiment":"neutral","sentiment_score":0.1735160904271262},{"text":"Yeah?","start":553.13995,"end":553.63995,"sentiment":"neutral","sentiment_score":0.14886046946048737}],"sentiment":"neutral","sentiment_score":0.21925407029207675,"num_words":62,"start":534.10504,"end":553.63995},{"sentences":[{"text":"Beautiful.","start":553.69995,"end":554.19995,"sentiment":"positive","sentiment_score":0.508685827255249},{"text":"You've also got your total permanent disability there.","start":555.3,"end":558.1,"sentiment":"neutral","sentiment_score":0.1419288106262684},{"text":"Now do you know how insurances work?","start":558.1,"end":560.535,"sentiment":"neutral","sentiment_score":0.02627354860305786},{"text":"Do you have any questions around that level of cover?","start":560.535,"end":562.955,"sentiment":"neutral","sentiment_score":0.020636122301220895},{"text":"That's the one underneath your life cover, TBD.","start":570.935,"end":573.59503,"sentiment":"neutral","sentiment_score":-0.019928845576941967}],"sentiment":"neutral","sentiment_score":0.05514592973186689,"num_words":34,"start":553.69995,"end":573.59503},{"sentences":[{"text":"Yeah.","start":574.9,"end":575.30005,"sentiment":"neutral","sentiment_score":0.0060760220512747765},{"text":"Yeah.","start":575.30005,"end":575.80005,"sentiment":"neutral","sentiment_score":0.018606144934892654},{"text":"So TBD, your total permanent disability pays at a lump sum benefit or an income stream in the event that you're never able to go back to work again.","start":576.10004,"end":584.66003,"sentiment":"neutral","sentiment_score":-0.004975342223870343},{"text":"So generally speaking, you need to be unable to go to work in any occupation for which you're educated, trained, or have worked in the past.","start":584.66003,"end":591.96497,"sentiment":"neutral","sentiment_score":-0.13530371409769243},{"text":"It is a pretty diff...","start":592.105,"end":593.305,"sentiment":"neutral","sentiment_score":-0.12172703593969345}],"sentiment":"neutral","sentiment_score":-0.0684860403829765,"num_words":62,"start":574.9,"end":593.305},{"sentences":[{"text":"Difficult definition to claim on, but it does pay out a benefit if you're unable to ever go back to work.","start":593.305,"end":599.005,"sentiment":"neutral","sentiment_score":-0.18411607295274734},{"text":"This shows you how much you're covered for at the moment.","start":599.61,"end":602.25,"sentiment":"neutral","sentiment_score":-0.006137543950568546},{"text":"So you do have that benefit of $874,000.00 4.","start":602.25,"end":607.79,"sentiment":"neutral","sentiment_score":0.04209382211168607},{"text":"And, again, with TDD, if you are unable to get back to work ever again, under the condition of release of permanent incapacity, we can also get your super release.","start":608.25,"end":618.465,"sentiment":"neutral","sentiment_score":-0.004634357243776322},{"text":"So you've got just over 1,200,000 of cover between your super and your TBD benefit there.","start":618.525,"end":624.945,"sentiment":"neutral","sentiment_score":0.12367724115028977}],"sentiment":"neutral","sentiment_score":-0.01971610316514284,"num_words":87,"start":593.305,"end":624.945},{"sentences":[{"text":"Does that feel fairly comfortable for you?","start":625.07,"end":627.07,"sentiment":"neutral","sentiment_score":0.1255567425063678},{"text":"Did you wanna look at maybe altering or reviewing that level of cover?","start":627.07,"end":630.52997,"sentiment":"neutral","sentiment_score":-0.018605796047128163},{"text":"So you're covered for 874,000 of a TBD, but then you're super benefit on top of that.","start":638.375,"end":644.775,"sentiment":"neutral","sentiment_score":-0.008347589440424652},{"text":"Yeah.","start":644.775,"end":645.275,"sentiment":"neutral","sentiment_score":-0.008459084667265415},{"text":"No.","start":645.575,"end":646.075,"sentiment":"neutral","sentiment_score":-0.13111479580402374}],"sentiment":"neutral","sentiment_score":0.00911638328136924,"num_words":39,"start":625.07,"end":646.075},{"sentences":[{"text":"That's absolutely fine.","start":646.455,"end":647.91504,"sentiment":"neutral","sentiment_score":-0.00843446950117747},{"text":"That is absolutely fine.","start":649.41504,"end":650.695,"sentiment":"positive","sentiment_score":0.4069965183734894},{"text":"It's not a problem at all.","start":650.695,"end":652.23505,"sentiment":"neutral","sentiment_score":0.3042338192462921},{"text":"Yeah.","start":654.67,"end":655.15,"sentiment":"neutral","sentiment_score":0.09670908004045486},{"text":"No.","start":655.15,"end":655.39,"sentiment":"neutral","sentiment_score":0.02027931436896324}],"sentiment":"neutral","sentiment_score":0.2363382649918397,"num_words":15,"start":646.455,"end":655.39},{"sentences":[{"text":"That's absolutely fine.","start":655.39,"end":656.67,"sentiment":"neutral","sentiment_score":0.31504517793655396},{"text":"Honestly, it's not a problem at all.","start":656.67,"end":658.69,"sentiment":"positive","sentiment_score":0.42026097433907644},{"text":"Do you feel fairly comfortable with that level of cover?","start":659.07,"end":661.31,"sentiment":"neutral","sentiment_score":0.23268019556999206},{"text":"Are you fairly happy with it at the moment?","start":661.31,"end":663.07,"sentiment":"neutral","sentiment_score":0.1805985238817003},{"text":"Did you wanna talk about goals and kinda review that a bit deeper, or how do you feel about that?","start":663.07,"end":667.73,"sentiment":"neutral","sentiment_score":0.010996301844716071}],"sentiment":"neutral","sentiment_score":0.16447096044311718,"num_words":49,"start":655.39,"end":667.73},{"sentences":[{"text":"Yeah.","start":670.065,"end":670.465,"sentiment":"neutral","sentiment_score":0.22341738641262057},{"text":"Yep.","start":670.465,"end":670.785,"sentiment":"neutral","sentiment_score":0.2917928695678711},{"text":"Beautiful.","start":670.785,"end":671.105,"sentiment":"positive","sentiment_score":0.6980797052383423},{"text":"It is a fairly good level of cover.","start":671.105,"end":672.545,"sentiment":"positive","sentiment_score":0.631560280919075},{"text":"I mean, if we look at it the same way that we did with your life cover, paying out the $63,000, the mortgage essentially leaves you with still over $1,200,000 there to then supplement your income to kind of live off.","start":672.545,"end":688.51996,"sentiment":"neutral","sentiment_score":0.33284776675991895}],"sentiment":"positive","sentiment_score":0.3829332816486175,"num_words":52,"start":670.065,"end":688.51996},{"sentences":[{"text":"And if you were to be TBD, I mean, with life, the benefits paid out to your to your spouse as a life payment.","start":688.57996,"end":695.95996,"sentiment":"neutral","sentiment_score":0.2086469205096364},{"text":"But with TBD, because you're often still alive, we would provide advice on how to structure the payments, how to draw the income to make sure it does work for you long term and stays appropriate as long as possible as well.","start":696.01996,"end":708.365,"sentiment":"neutral","sentiment_score":0.2900438145512626},{"text":"So we would definitely look at how to structure it, how to draw an income, what to pay off to make sure you're covered, and how to make that benefit last as long as possible for you as well.","start":708.365,"end":718.56995,"sentiment":"neutral","sentiment_score":0.3071104406546324},{"text":"Okay.","start":718.62994,"end":719.12994,"sentiment":"neutral","sentiment_score":0.196893647313118},{"text":"Yeah.","start":720.23,"end":720.62994,"sentiment":"neutral","sentiment_score":0.33275479078292847}],"sentiment":"neutral","sentiment_score":0.2775357189440282,"num_words":107,"start":688.57996,"end":720.62994},{"sentences":[{"text":"Beautiful.","start":720.62994,"end":721.12994,"sentiment":"positive","sentiment_score":0.630204439163208},{"text":"You've also got your income protection policy there.","start":722.23,"end":725.18994,"sentiment":"neutral","sentiment_score":0.3096274081617594},{"text":"Now income protection can pay out a income stream in the event that you're unable to go to work in the shorter term.","start":725.18994,"end":731.73505,"sentiment":"neutral","sentiment_score":0.17584697934596435},{"text":"You can be covered for up to 70% of your pre disability income.","start":732.35504,"end":736.53503,"sentiment":"neutral","sentiment_score":0.21788555555618727},{"text":"So based on your current income and the amount you would need to be covered for, it does look like you're just slightly over insured there a little bit.","start":736.91504,"end":745.98,"sentiment":"neutral","sentiment_score":0.12201271077682233}],"sentiment":"neutral","sentiment_score":0.1827376360023344,"num_words":74,"start":720.62994,"end":745.98},{"sentences":[{"text":"So 70% of your current income gives us a sum insured of $88,166.","start":745.98,"end":753.12,"sentiment":"neutral","sentiment_score":0.17082183292278877},{"text":"You're currently covered for $88,390.","start":753.5,"end":758.0,"sentiment":"neutral","sentiment_score":0.0967007465660572},{"text":"It does kind of mean that having a extra little bit of a benefit means if you do get, you know, bonuses or your salary goes up a little bit over the course of time, that you don't have to increase that policy because increasing a policy means you go back to underwriting again, which means the insurer reassesses the policy.","start":758.83496,"end":777.38,"sentiment":"neutral","sentiment_score":0.24484979275797233},{"text":"So having this level of cover a little bit higher than what you need, can mean that you've got that little bit of extra in case you've got extra increases in your wage or bonuses that might come into account for.","start":778.16,"end":788.995,"sentiment":"neutral","sentiment_score":0.2572862302384725},{"text":"But it also does mean you're paying for a little bit more than what you can realistically claim on as well.","start":790.335,"end":794.97504,"sentiment":"neutral","sentiment_score":-0.05667809077671596}],"sentiment":"neutral","sentiment_score":0.19147886845765386,"num_words":141,"start":745.98,"end":794.97504},{"sentences":[{"text":"Does that make sense?","start":794.97504,"end":795.85504,"sentiment":"neutral","sentiment_score":-0.026220252737402916},{"text":"Do you have more questions around that?","start":795.85504,"end":797.875,"sentiment":"neutral","sentiment_score":-0.04845464761768069},{"text":"That's okay.","start":799.6,"end":800.5,"sentiment":"neutral","sentiment_score":-0.07912904396653175},{"text":"Are you happy with that level of income protection?","start":800.87994,"end":803.04,"sentiment":"neutral","sentiment_score":-0.08031386757890384},{"text":"Did you wanna look at altering that or keep it as it is?","start":803.04,"end":805.68,"sentiment":"neutral","sentiment_score":-0.06318834194770226}],"sentiment":"neutral","sentiment_score":-0.06133128244962011,"num_words":35,"start":794.97504,"end":805.68},{"sentences":[{"text":"How do you feel about that, James?","start":805.68,"end":807.13995,"sentiment":"neutral","sentiment_score":-0.010054200887680054},{"text":"Keep it?","start":808.72,"end":809.19995,"sentiment":"neutral","sentiment_score":0.038994722068309784},{"text":"Yep.","start":809.19995,"end":809.6,"sentiment":"neutral","sentiment_score":0.203457772731781},{"text":"Beautiful.","start":809.6,"end":810.1,"sentiment":"positive","sentiment_score":0.5389090776443481},{"text":"All good.","start":810.31995,"end":810.915,"sentiment":"positive","sentiment_score":0.49324192106723785}],"sentiment":"neutral","sentiment_score":0.1335739023410357,"num_words":13,"start":805.68,"end":810.915},{"sentences":[{"text":"Underneath that, it does show how much you are paying for the insurances.","start":811.315,"end":814.695,"sentiment":"neutral","sentiment_score":0.09940332231613305},{"text":"So you'll see the two amounts there.","start":815.07495,"end":817.175,"sentiment":"neutral","sentiment_score":0.07068121113947459},{"text":"Essentially, for this...","start":817.71497,"end":819.255,"sentiment":"neutral","sentiment_score":0.01445414281139771},{"text":"The top amount, the 5,173, that is how much the insurer receives the benefit.","start":819.315,"end":825.33496,"sentiment":"neutral","sentiment_score":0.0499380137771368},{"text":"How much you've actually paid out of super is below that.","start":826.06,"end":828.54,"sentiment":"neutral","sentiment_score":0.0679710094224323}],"sentiment":"neutral","sentiment_score":0.06827473735514407,"num_words":48,"start":811.315,"end":828.54},{"sentences":[{"text":"So you actually paid $4,397.22.","start":828.54,"end":832.87994,"sentiment":"neutral","sentiment_score":0.08915010392665863},{"text":"Unlike anything in our own name, we actually get a bit of a discount, a 15% discount for paying those insurance premiums out of super, and that's because of the taxation consequences and the way the money is transferred within the super system there.","start":834.22,"end":846.665,"sentiment":"neutral","sentiment_score":0.07741173077374697},{"text":"So getting a 15% discount and paying a little bit less than what the actual premium is is a good thing, but it does mean that these insurance premiums will get more expensive over time as well.","start":846.665,"end":858.89,"sentiment":"neutral","sentiment_score":-0.0031992851479633435},{"text":"So it is really important that we review them on a yearly basis and just make changes as needed.","start":858.89,"end":864.19,"sentiment":"neutral","sentiment_score":0.015369983880143417},{"text":"Does that make sense?","start":864.33,"end":865.21,"sentiment":"neutral","sentiment_score":0.05310558807104826}],"sentiment":"neutral","sentiment_score":0.03888023091018747,"num_words":109,"start":828.54,"end":865.21},{"sentences":[{"text":"Do you have more questions?","start":865.21,"end":866.25,"sentiment":"neutral","sentiment_score":0.015423987060785294},{"text":"You're welcome to let me know if you do.","start":866.25,"end":868.11005,"sentiment":"positive","sentiment_score":0.3658227225144704},{"text":"Yep.","start":869.925,"end":870.425,"sentiment":"neutral","sentiment_score":0.2067829668521881},{"text":"Beautiful.","start":870.485,"end":870.985,"sentiment":"positive","sentiment_score":0.4963484406471253},{"text":"All good.","start":871.045,"end":871.78503,"sentiment":"positive","sentiment_score":0.5173400491476059}],"sentiment":"neutral","sentiment_score":0.28374088576270473,"num_words":18,"start":865.21,"end":871.78503},{"sentences":[{"text":"And then underneath that, you've also got your trauma benefit noted there.","start":871.84503,"end":874.885,"sentiment":"neutral","sentiment_score":0.01441387909774979},{"text":"So you're currently paying $84.21 on a monthly basis for your trauma, and it pays out a lump sum benefit currently of 107,660.","start":874.885,"end":884.34503,"sentiment":"neutral","sentiment_score":0.008156876363184141},{"text":"Thinking about trauma, are you fairly happy with that level of cover?","start":885.06,"end":888.02,"sentiment":"neutral","sentiment_score":0.005947052966803312},{"text":"Did you wanna look at reviewing that?","start":888.02,"end":889.8,"sentiment":"neutral","sentiment_score":0.0012961065928850854},{"text":"The trauma.","start":892.9,"end":893.64,"sentiment":"neutral","sentiment_score":-0.0032887118868529797}],"sentiment":"neutral","sentiment_score":0.007757761848292181,"num_words":56,"start":871.84503,"end":893.64},{"sentences":[{"text":"So trauma pays out a lump sum benefit in the event of a trauma...","start":893.78,"end":897.655,"sentiment":"neutral","sentiment_score":0.0003473408121083464},{"text":"Traumatic diagnosis.","start":897.655,"end":898.715,"sentiment":"neutral","sentiment_score":-0.02270095981657505},{"text":"So think about things like cancer, a heart attack, strokes, Parkinson's.","start":898.85504,"end":903.115,"sentiment":"neutral","sentiment_score":-0.02871128882874142},{"text":"Yeah.","start":903.495,"end":903.815,"sentiment":"neutral","sentiment_score":-0.01186117809265852},{"text":"Major diagnosis, essentially.","start":903.815,"end":905.675,"sentiment":"neutral","sentiment_score":-0.01700517845650514}],"sentiment":"neutral","sentiment_score":-0.013523872220708479,"num_words":31,"start":893.78,"end":905.675},{"sentences":[{"text":"Yeah.","start":906.135,"end":906.635,"sentiment":"neutral","sentiment_score":0.007779616396874189},{"text":"Yep.","start":908.055,"end":908.555,"sentiment":"neutral","sentiment_score":0.04390443488955498},{"text":"Yeah.","start":909.335,"end":909.835,"sentiment":"neutral","sentiment_score":0.06033923476934433},{"text":"That's okay.","start":910.615,"end":911.515,"sentiment":"neutral","sentiment_score":0.09355385974049568},{"text":"Yep.","start":911.85,"end":912.35,"sentiment":"neutral","sentiment_score":0.16159109771251678}],"sentiment":"neutral","sentiment_score":0.07678701720821361,"num_words":6,"start":906.135,"end":912.35},{"sentences":[{"text":"Beautiful.","start":913.05,"end":913.55,"sentiment":"positive","sentiment_score":0.6161765456199646},{"text":"All good.","start":913.76996,"end":914.51,"sentiment":"positive","sentiment_score":0.6272018253803253},{"text":"All good.","start":914.57,"end":915.31,"sentiment":"positive","sentiment_score":0.5833858549594879},{"text":"If you ever did wanna revisit those or if you have more questions, you're absolutely fine to let me know.","start":915.45,"end":920.82996,"sentiment":"positive","sentiment_score":0.33770479038357737},{"text":"What I can even do to make it easier if you like is I could note down and send us a general email to you after the call, which just outlines the different levels of cover, how they're paid, what they cover, and what your benefit is just to kinda give you a bit of a guide and, you know, allow you to sort of think it over and have a look at them as well later on.","start":921.05,"end":939.455,"sentiment":"neutral","sentiment_score":0.18160289568969837}],"sentiment":"neutral","sentiment_score":0.23258712211424865,"num_words":103,"start":913.05,"end":939.455},{"sentences":[{"text":"Would you like me to do that for you?","start":939.455,"end":941.07,"sentiment":"neutral","sentiment_score":0.09759678070743878},{"text":"Yep.","start":942.67,"end":943.07,"sentiment":"neutral","sentiment_score":0.18872420489788055},{"text":"Beautiful.","start":943.07,"end":943.57,"sentiment":"positive","sentiment_score":0.410209596157074},{"text":"It is a lot to sort of talk through, and sometimes we're thinking about it.","start":943.63,"end":946.59,"sentiment":"neutral","sentiment_score":0.09339811752239863},{"text":"We go back later and go, hey.","start":946.59,"end":948.03,"sentiment":"neutral","sentiment_score":0.05907916543739183}],"sentiment":"neutral","sentiment_score":0.09975244691877654,"num_words":33,"start":939.455,"end":948.03},{"sentences":[{"text":"Maybe this is what I would like to happen, or maybe this level of cover might benefit.","start":948.03,"end":952.05,"sentiment":"neutral","sentiment_score":0.05911227030789151},{"text":"So if I send that email, it gives you something to sort of have a think about.","start":952.11,"end":955.725,"sentiment":"neutral","sentiment_score":0.1360134828616591},{"text":"You can always talk to Heather and see what what you guys would like as a goal.","start":955.88495,"end":959.40497,"sentiment":"neutral","sentiment_score":0.13376833498477936},{"text":"And if you wanted to review those, you're welcome to come back and let me know.","start":959.40497,"end":962.76495,"sentiment":"neutral","sentiment_score":0.16110545536503196},{"text":"Okay?","start":962.76495,"end":963.26495,"sentiment":"neutral","sentiment_score":0.10547418147325516}],"sentiment":"neutral","sentiment_score":0.12168177891084377,"num_words":68,"start":948.03,"end":963.26495},{"sentences":[{"text":"Easy.","start":964.52496,"end":965.02496,"sentiment":"neutral","sentiment_score":0.12689657509326935},{"text":"Fantastic.","start":965.08496,"end":965.58496,"sentiment":"neutral","sentiment_score":-0.03417089954018593},{"text":"Fantastic.","start":966.44495,"end":966.94495,"sentiment":"neutral","sentiment_score":0.23864516615867615},{"text":"If you go to the next page there for me, the next one is your performance report with regard to your super there.","start":968.22,"end":973.92,"sentiment":"neutral","sentiment_score":0.07110710231506306},{"text":"Yeah.","start":976.3,"end":976.62,"sentiment":"neutral","sentiment_score":0.012307899072766304}],"sentiment":"neutral","sentiment_score":0.0733015590381843,"num_words":27,"start":964.52496,"end":976.62},{"sentences":[{"text":"It's got the...","start":976.62,"end":977.6,"sentiment":"neutral","sentiment_score":0.006643375692268212},{"text":"The heading is the performance report.","start":977.66,"end":979.68,"sentiment":"neutral","sentiment_score":-0.007743090546379487},{"text":"Is it still loading?","start":987.195,"end":988.495,"sentiment":"neutral","sentiment_score":-0.016683561727404594},{"text":"Beautiful.","start":1005.5,"end":1006.0,"sentiment":"positive","sentiment_score":0.5225049257278442},{"text":"So it should say performance report with internal rate of return.","start":1006.14,"end":1009.42004,"sentiment":"neutral","sentiment_score":0.23826341737400403}],"sentiment":"neutral","sentiment_score":0.12200559414923191,"num_words":25,"start":976.62,"end":1009.42004},{"sentences":[{"text":"Is that the document you can see there?","start":1009.42004,"end":1011.225,"sentiment":"neutral","sentiment_score":0.11506907269358635},{"text":"Yes.","start":1013.625,"end":1013.94495,"sentiment":"positive","sentiment_score":0.5029978156089783},{"text":"Fantastic.","start":1013.94495,"end":1014.44495,"sentiment":"positive","sentiment_score":0.7482507228851318},{"text":"Now this is showing you how your super has performed over the past twelve months there.","start":1014.665,"end":1019.005,"sentiment":"positive","sentiment_score":0.5608077198266983},{"text":"On the front, you'll see all the individual investments.","start":1020.665,"end":1024.2849,"sentiment":"neutral","sentiment_score":0.21434690886073643}],"sentiment":"positive","sentiment_score":0.3735384804861886,"num_words":35,"start":1009.42004,"end":1024.2849},{"sentences":[{"text":"So it kinda goes through what you're invested in individually there.","start":1024.38,"end":1028.16,"sentiment":"neutral","sentiment_score":0.1711579832163724},{"text":"The area I sort of like to show you to focus on is the second last column, which is your internal rate of return.","start":1028.54,"end":1034.64,"sentiment":"neutral","sentiment_score":0.14474029807994762},{"text":"The first page there goes through them all individually.","start":1036.14,"end":1038.585,"sentiment":"neutral","sentiment_score":0.18814752830399406},{"text":"They're all doing pretty well.","start":1038.885,"end":1040.245,"sentiment":"positive","sentiment_score":0.4517306387424469},{"text":"There are some areas that aren't really responding quite well at the moment with regard to your super and investments in general.","start":1040.245,"end":1047.625,"sentiment":"neutral","sentiment_score":-0.22337661344896664}],"sentiment":"neutral","sentiment_score":0.06189014678689796,"num_words":71,"start":1024.38,"end":1047.625},{"sentences":[{"text":"What we're sort of seeing here, the first one that Benelong Australian Equities investment.","start":1048.885,"end":1050.4003,"sentiment":"neutral","sentiment_score":-0.04309752796377454},{"text":"Now this is more of an actively managed fund.","start":1050.4003,"end":1050.485,"sentiment":"neutral","sentiment_score":-0.03647209041648441},{"text":"So the Now this is more of an actively managed fund.","start":1050.485,"end":1056.45,"sentiment":"neutral","sentiment_score":-0.024876411496238274},{"text":"So the investment manager within Bennelong is meant to be trying to pick and time the market, choose investments to to invest in, and, essentially, outperform against the market.","start":1056.45,"end":1066.07,"sentiment":"neutral","sentiment_score":-0.01563868641146812},{"text":"They're not really able to do that at the moment.","start":1066.2949,"end":1068.7949,"sentiment":"neutral","sentiment_score":-0.2274145856499672}],"sentiment":"neutral","sentiment_score":-0.05387565060454893,"num_words":73,"start":1048.885,"end":1068.7949},{"sentences":[{"text":"One of the things I kinda like to break down is this...","start":1069.255,"end":1071.815,"sentiment":"neutral","sentiment_score":-0.03151121650201579},{"text":"In the...","start":1071.815,"end":1072.2949,"sentiment":"neutral","sentiment_score":-0.010209159459918737},{"text":"There's different ways to invest in your super or in investments in general.","start":1072.2949,"end":1076.5549,"sentiment":"neutral","sentiment_score":-0.02327861966421971},{"text":"One of those is to have active management, which is where you pick and choose active investment managers depending on what you wanna see happen.","start":1076.855,"end":1084.69,"sentiment":"neutral","sentiment_score":0.0033196786791086196},{"text":"And they're meant to be trying to outperform against the market and time the market and pick investments that are...","start":1085.07,"end":1090.37,"sentiment":"neutral","sentiment_score":0.01784339309670031}],"sentiment":"neutral","sentiment_score":-0.0036293769953772426,"num_words":72,"start":1069.255,"end":1090.37},{"sentences":[{"text":"Think Warren Buffett style.","start":1090.4299,"end":1091.71,"sentiment":"neutral","sentiment_score":-0.03625518549233675},{"text":"They're trying to pick investments at a certain price, buy in, and then get out when they, you know, reach overvalued, essentially.","start":1091.71,"end":1098.495,"sentiment":"neutral","sentiment_score":-0.019436690194362945},{"text":"Van Alon has struggled to do that.","start":1099.195,"end":1101.2949,"sentiment":"neutral","sentiment_score":-0.12962077451603754},{"text":"Yeah.","start":1101.4349,"end":1101.9349,"sentiment":"neutral","sentiment_score":-0.12425456941127776},{"text":"Van Alon has struggled to do that this year.","start":1102.6349,"end":1104.475,"sentiment":"neutral","sentiment_score":-0.331762926446067}],"sentiment":"neutral","sentiment_score":-0.10674637802984825,"num_words":43,"start":1090.4299,"end":1104.475},{"sentences":[{"text":"They've had a lot of ups and downs over the past couple of years and have had a lot since COVID.","start":1104.475,"end":1109.0349,"sentiment":"neutral","sentiment_score":-0.3029331784872782},{"text":"But this year, they've really actually struggled to do so.","start":1109.0349,"end":1111.33,"sentiment":"negative","sentiment_score":-0.4235869377851486},{"text":"They've had some underlying issues within their investment profile, and I'm actually looking to kind of remove everyone from an investment.","start":1111.33,"end":1118.23,"sentiment":"negative","sentiment_score":-0.40005937218666077},{"text":"I know one of the things I try to look at is whether an investment is still valuable and whether an investment being down is what is important to stay in or whether it's worth getting out.","start":1118.69,"end":1129.395,"sentiment":"neutral","sentiment_score":-0.19959283982579773},{"text":"Because of the issues and the research I've done around Bannalung at the moment, it is definitely worth removing them from your portfolio.","start":1129.615,"end":1136.595,"sentiment":"negative","sentiment_score":-0.35085297926612524}],"sentiment":"neutral","sentiment_score":-0.3076184512382107,"num_words":112,"start":1104.475,"end":1136.595},{"sentences":[{"text":"What I wanna...","start":1137.3401,"end":1138.06,"sentiment":"neutral","sentiment_score":-0.022456562456985314},{"text":"Sort of wanted to gauge from you is to look at whether you have a preference on how you'd like your portfolios to be built because we have lots of different ways to invest.","start":1138.06,"end":1146.16,"sentiment":"neutral","sentiment_score":0.0589386906255694},{"text":"We can replace that with another active manager.","start":1146.62,"end":1149.28,"sentiment":"neutral","sentiment_score":0.09940162394195795},{"text":"There's no guarantees they'll be able to outperform against the market.","start":1149.605,"end":1152.725,"sentiment":"neutral","sentiment_score":0.04864323410120877},{"text":"They could have internal issues as well.","start":1152.725,"end":1155.545,"sentiment":"neutral","sentiment_score":-0.03195408678480557}],"sentiment":"neutral","sentiment_score":0.048304059572281344,"num_words":63,"start":1137.3401,"end":1155.545},{"sentences":[{"text":"And often, you pay a little bit more in fees to have an investment manager or an active investment manager in your portfolio.","start":1155.605,"end":1161.385,"sentiment":"neutral","sentiment_score":-0.00808893727219623},{"text":"The other option I could look at if you would like to is looking at lowering investment fees within your portfolio and maybe having more of a passively managed portfolio.","start":1162.08,"end":1170.34,"sentiment":"neutral","sentiment_score":0.141060092796882},{"text":"A passive manager is trying to just, essentially, follow an index.","start":1170.96,"end":1175.2999,"sentiment":"neutral","sentiment_score":0.21002112803134051},{"text":"They're not trying to make snap decisions or outperform against the market.","start":1175.565,"end":1179.245,"sentiment":"neutral","sentiment_score":0.157773790260156},{"text":"They can be cheaper.","start":1179.245,"end":1180.385,"sentiment":"positive","sentiment_score":0.3687545880675316}],"sentiment":"neutral","sentiment_score":0.12155366837978362,"num_words":80,"start":1155.605,"end":1180.385},{"sentences":[{"text":"They are following and tracking an index, and making changes in line with what changes occur in the indices.","start":1180.605,"end":1187.0249,"sentiment":"neutral","sentiment_score":0.2833131826237628},{"text":"So they're making less changes in a portfolio.","start":1187.4199,"end":1189.6,"sentiment":"neutral","sentiment_score":0.23148797824978828},{"text":"And quite often longer term, you can get much better returns by having passive managers in your portfolio rather than trying to time the market.","start":1189.9,"end":1198.08,"sentiment":"positive","sentiment_score":0.43306682527065277},{"text":"Thinking about your super and what you'd like to see, how do you feel about that?","start":1198.46,"end":1202.255,"sentiment":"neutral","sentiment_score":0.27115797996520996},{"text":"What would you like to see?","start":1202.255,"end":1203.615,"sentiment":"neutral","sentiment_score":0.13648708164691925}],"sentiment":"neutral","sentiment_score":0.3137699337424459,"num_words":74,"start":1180.605,"end":1203.615},{"sentences":[{"text":"And do you have more quest...","start":1203.615,"end":1204.995,"sentiment":"neutral","sentiment_score":0.03284540958702564},{"text":"Yes.","start":1208.815,"end":1209.315,"sentiment":"neutral","sentiment_score":0.13501736521720886},{"text":"Yeah.","start":1210.255,"end":1210.755,"sentiment":"neutral","sentiment_score":0.14769801497459412},{"text":"What would you sort of...","start":1213.695,"end":1214.735,"sentiment":"neutral","sentiment_score":0.03568934202194214},{"text":"How would you like to see things?","start":1214.735,"end":1216.23,"sentiment":"neutral","sentiment_score":0.08401026310665267}],"sentiment":"neutral","sentiment_score":0.06231531947851181,"num_words":20,"start":1203.615,"end":1216.23},{"sentences":[{"text":"And you're welcome to ask more questions if you need to.","start":1216.5499,"end":1218.95,"sentiment":"neutral","sentiment_score":0.25455827198245307},{"text":"Absolutely fine.","start":1218.95,"end":1219.9299,"sentiment":"positive","sentiment_score":0.4478145092725754},{"text":"That's okay.","start":1232.435,"end":1233.335,"sentiment":"neutral","sentiment_score":0.28138476610183716},{"text":"We have options, sir, that we can replace with both things.","start":1233.635,"end":1236.615,"sentiment":"neutral","sentiment_score":0.25045615434646606},{"text":"Essentially, one of the benefits to having more of a passively managed investment portfolio is that it can be cheaper.","start":1237.3151,"end":1244.375,"sentiment":"neutral","sentiment_score":0.21015472151339054}],"sentiment":"neutral","sentiment_score":0.243840253709451,"num_words":46,"start":1216.5499,"end":1244.375},{"sentences":[{"text":"So one of the ways that we can look to maybe swap things out and update things is to maybe reduce the fees, maybe take...","start":1244.435,"end":1252.1799,"sentiment":"neutral","sentiment_score":0.053048286624252795},{"text":"So take out this active investment manager and put you in more of a passive portfolio, which can generate much higher returns longer term.","start":1252.4,"end":1260.4199,"sentiment":"neutral","sentiment_score":0.2023897571489215},{"text":"It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track.","start":1261.065,"end":1268.825,"sentiment":"positive","sentiment_score":0.4976482939720154},{"text":"Would you like to look at that as an option, or how do you sort of feel?","start":1268.825,"end":1272.5249,"sentiment":"neutral","sentiment_score":0.07636039594517034},{"text":"Yeah.","start":1273.54,"end":1273.86,"sentiment":"neutral","sentiment_score":0.07290853559970856}],"sentiment":"neutral","sentiment_score":0.21734569514291766,"num_words":92,"start":1244.435,"end":1273.86},{"sentences":[{"text":"Yeah.","start":1273.86,"end":1274.1,"sentiment":"neutral","sentiment_score":0.10781988501548768},{"text":"Absolutely.","start":1274.1,"end":1274.6,"sentiment":"neutral","sentiment_score":0.18247030675411224},{"text":"One of the things I sort of like to look at is the the other side is the risk level.","start":1274.74,"end":1279.14,"sentiment":"neutral","sentiment_score":0.05912454891949892},{"text":"So having an active manager in there means that you are taking a little bit more risk because they are trying to take and time the market, whereas more of a passively managed portfolio can be a little bit lower in risk essentially as well.","start":1279.14,"end":1291.655,"sentiment":"neutral","sentiment_score":0.11154500461286969},{"text":"Does that sound comfortable?","start":1292.1951,"end":1293.5751,"sentiment":"neutral","sentiment_score":0.11957572214305401}],"sentiment":"neutral","sentiment_score":0.09817759530015395,"num_words":71,"start":1273.86,"end":1293.5751},{"sentences":[{"text":"Did you want me to sort of look at having more of an...","start":1293.795,"end":1296.275,"sentiment":"neutral","sentiment_score":0.026101489049883988},{"text":"Having another active manager in that?","start":1296.275,"end":1297.795,"sentiment":"neutral","sentiment_score":0.028860098992784817},{"text":"I'm happy to do either depending on your preference.","start":1297.795,"end":1299.875,"sentiment":"neutral","sentiment_score":0.15450303256511688},{"text":"How do you feel about that?","start":1299.875,"end":1301.19,"sentiment":"neutral","sentiment_score":0.07895480965574582},{"text":"Yeah?","start":1304.3899,"end":1304.8899,"sentiment":"neutral","sentiment_score":0.06978746503591537}],"sentiment":"neutral","sentiment_score":0.06990067336176123,"num_words":35,"start":1293.795,"end":1304.8899},{"sentences":[{"text":"Perfect.","start":1305.83,"end":1306.33,"sentiment":"positive","sentiment_score":0.3929970860481262},{"text":"Excellent.","start":1307.4299,"end":1307.9299,"sentiment":"positive","sentiment_score":0.4797265529632568},{"text":"Well, what I'll do is I'll go back and have a look at your super fund as well as all the investments in that for you.","start":1308.07,"end":1313.0499,"sentiment":"neutral","sentiment_score":0.23247110614409813},{"text":"There are some other changes I'd like to maybe look at your portfolio as well.","start":1313.445,"end":1317.2849,"sentiment":"neutral","sentiment_score":0.11045587807893753},{"text":"So you'll see here you've also...","start":1317.2849,"end":1318.965,"sentiment":"neutral","sentiment_score":0.047497243310014405}],"sentiment":"neutral","sentiment_score":0.18079171489392007,"num_words":49,"start":1305.83,"end":1318.965},{"sentences":[{"text":"Underneath that banner along, you've got some bank hybrids.","start":1318.965,"end":1321.5449,"sentiment":"neutral","sentiment_score":0.02915248419675562},{"text":"These are more of a defensive vest...","start":1321.845,"end":1323.6849,"sentiment":"neutral","sentiment_score":0.026688607143504278},{"text":"Investment.","start":1323.6849,"end":1324.1849,"sentiment":"neutral","sentiment_score":0.01016328763216734},{"text":"Bank hybrids are very similar to bonds, essentially.","start":1324.245,"end":1327.065,"sentiment":"neutral","sentiment_score":0.047591324895620346},{"text":"They're lower risk, but they also tend to get lower rates of returns.","start":1327.51,"end":1330.8099,"sentiment":"neutral","sentiment_score":0.1007954736168568}],"sentiment":"neutral","sentiment_score":0.056590201357673654,"num_words":38,"start":1318.965,"end":1330.8099},{"sentences":[{"text":"Having them in your portfolio is really good.","start":1331.19,"end":1333.4299,"sentiment":"positive","sentiment_score":0.3514923360198736},{"text":"It's to set down the track the government is actually phasing out these types of investments.","start":1333.4299,"end":1337.69,"sentiment":"neutral","sentiment_score":0.19276405218988657},{"text":"They're removing bank hybrids from trying to streamline and make investments a little bit easier for people to understand.","start":1338.15,"end":1345.115,"sentiment":"neutral","sentiment_score":0.16312025899165555},{"text":"So these actually have an expiry.","start":1345.735,"end":1347.995,"sentiment":"neutral","sentiment_score":-0.02362818146745364},{"text":"I would like to maybe look at removing them now and replacing them with some other defensive investment while we're making changes to your portfolio rather than down the track when we have to make changes, removing them quicker.","start":1348.6951,"end":1360.25,"sentiment":"neutral","sentiment_score":0.1344127662670918}],"sentiment":"neutral","sentiment_score":0.1601792868142101,"num_words":88,"start":1331.19,"end":1360.25},{"sentences":[{"text":"Are you comfortable with me looking at that for you as well?","start":1360.25,"end":1363.0701,"sentiment":"neutral","sentiment_score":0.16020235108832517},{"text":"Absolutely.","start":1367.37,"end":1367.87,"sentiment":"neutral","sentiment_score":0.16157351434230804},{"text":"No.","start":1370.465,"end":1370.945,"sentiment":"neutral","sentiment_score":0.016080964356660843},{"text":"That's perfect.","start":1370.945,"end":1371.765,"sentiment":"positive","sentiment_score":0.37378279864788055},{"text":"I love it.","start":1371.825,"end":1372.385,"sentiment":"positive","sentiment_score":0.7145976622899374}],"sentiment":"neutral","sentiment_score":0.2627074355749707,"num_words":19,"start":1360.25,"end":1372.385},{"sentences":[{"text":"It's fantastic.","start":1372.385,"end":1373.0449,"sentiment":"positive","sentiment_score":0.7404038310050964},{"text":"It's great.","start":1373.9049,"end":1374.645,"sentiment":"positive","sentiment_score":0.45716550946235657},{"text":"It's absolutely fine.","start":1377.505,"end":1378.865,"sentiment":"neutral","sentiment_score":0.19675474365552267},{"text":"Not a problem.","start":1378.865,"end":1379.6849,"sentiment":"neutral","sentiment_score":0.09746813029050827},{"text":"Your cybersecurity and your you're fine.","start":1380.625,"end":1385.0,"sentiment":"neutral","sentiment_score":0.002511877566576004}],"sentiment":"neutral","sentiment_score":0.20580491051077843,"num_words":16,"start":1372.385,"end":1385.0},{"sentences":[{"text":"Look.","start":1385.2999,"end":1385.7999,"sentiment":"neutral","sentiment_score":0.021291449666023254},{"text":"I speak like this when I'm at work, but you haven't heard me at home.","start":1386.0199,"end":1389.2999,"sentiment":"neutral","sentiment_score":0.021633742501338322},{"text":"So don't worry.","start":1389.2999,"end":1390.2799,"sentiment":"neutral","sentiment_score":0.09215875466664632},{"text":"There is nothing you can say that I haven't heard before, and I honestly just want you to be you.","start":1390.82,"end":1395.495,"sentiment":"neutral","sentiment_score":0.12036577425897121},{"text":"That's the part of what I love about a job is you get to be yourself.","start":1395.575,"end":1399.115,"sentiment":"neutral","sentiment_score":0.18064472847618163}],"sentiment":"neutral","sentiment_score":0.1076346362178976,"num_words":55,"start":1385.2999,"end":1399.115},{"sentences":[{"text":"It doesn't matter in any way, shape, or form.","start":1399.175,"end":1401.355,"sentiment":"neutral","sentiment_score":0.13388728184832466},{"text":"Excellent.","start":1403.575,"end":1404.075,"sentiment":"positive","sentiment_score":0.454321026802063},{"text":"Your bank hybrids are doing really well.","start":1404.855,"end":1406.695,"sentiment":"positive","sentiment_score":0.43291535547801424},{"text":"There's realistically no no need to kinda remove them there.","start":1406.695,"end":1409.53,"sentiment":"neutral","sentiment_score":0.17818719260394572},{"text":"And your other Australian equities are also performing quite well.","start":1409.53,"end":1412.8301,"sentiment":"neutral","sentiment_score":0.13413890972733497}],"sentiment":"neutral","sentiment_score":0.2111614885161052,"num_words":37,"start":1399.175,"end":1412.8301},{"sentences":[{"text":"No.","start":1413.6901,"end":1413.93,"sentiment":"neutral","sentiment_score":-0.025534966960549355},{"text":"Sorry.","start":1413.93,"end":1414.17,"sentiment":"neutral","sentiment_score":-0.02301635965704918},{"text":"Global cybersecurity.","start":1414.17,"end":1415.0701,"sentiment":"neutral","sentiment_score":-0.023876399733126163},{"text":"My apologies if I said that.","start":1417.93,"end":1419.4501,"sentiment":"neutral","sentiment_score":-0.04410500762363275},{"text":"I'm sorry.","start":1419.4501,"end":1420.0901,"sentiment":"neutral","sentiment_score":-0.05646618269383907}],"sentiment":"neutral","sentiment_score":-0.03948887810111046,"num_words":12,"start":1413.6901,"end":1420.0901},{"sentences":[{"text":"Yes.","start":1420.0901,"end":1420.5901,"sentiment":"neutral","sentiment_score":-0.019788555800914764},{"text":"Your cybersecurity is doing quite well.","start":1422.515,"end":1426.595,"sentiment":"neutral","sentiment_score":-0.04941255816568931},{"text":"You're absolutely fine.","start":1426.595,"end":1428.135,"sentiment":"neutral","sentiment_score":0.10792770981788635},{"text":"Your battery and lithium tech is in there.","start":1428.9149,"end":1430.595,"sentiment":"neutral","sentiment_score":0.047552104108035564},{"text":"We could definitely have a look at ways to sort of make sure you keep that kind of exposure within the portfolio.","start":1430.595,"end":1435.335,"sentiment":"neutral","sentiment_score":0.046625689857385376}],"sentiment":"neutral","sentiment_score":0.03534253085963428,"num_words":40,"start":1420.0901,"end":1435.335},{"sentences":[{"text":"Physical gold is...","start":1436.23,"end":1437.59,"sentiment":"neutral","sentiment_score":-0.006047530720631282},{"text":"Has had a bit of ups and downs this year, but it is still worth keeping physical gold in your portfolio.","start":1437.59,"end":1442.33,"sentiment":"neutral","sentiment_score":-0.009827666073327973},{"text":"It was essentially at a thirty year high around about February.","start":1442.63,"end":1445.9299,"sentiment":"neutral","sentiment_score":0.009336935864253477},{"text":"It had taken a bit of a dip in that time frame and has been kind of recovering back slowly, but it is still good to have physical gold in your portfolio.","start":1446.23,"end":1454.615,"sentiment":"neutral","sentiment_score":0.056705263210460544},{"text":"It is still a worthwhile asset there.","start":1454.615,"end":1456.9551,"sentiment":"neutral","sentiment_score":0.2340988027197974}],"sentiment":"neutral","sentiment_score":0.04501949671051792,"num_words":74,"start":1436.23,"end":1456.9551},{"sentences":[{"text":"The...","start":1458.2151,"end":1458.7151,"sentiment":"neutral","sentiment_score":0.004232117906212807},{"text":"Underneath that, you've got core composite bonds, and these are, again, a more of a defensive investment.","start":1458.8551,"end":1463.5751,"sentiment":"neutral","sentiment_score":-0.0006506527390550162},{"text":"They are down a little bit in your portfolio, and it has got to do with inflation.","start":1463.5751,"end":1467.55,"sentiment":"neutral","sentiment_score":-0.08270260209546369},{"text":"So these sorts of bonds are affected by inflationary pressures, and we have had some very high inflation this year.","start":1467.61,"end":1474.1901,"sentiment":"neutral","sentiment_score":-0.2655740357935429},{"text":"So they have seen a bit of a dip in the portfolio, but they are still worth keeping in the portfolio.","start":1474.65,"end":1479.63,"sentiment":"neutral","sentiment_score":0.02591540345123836}],"sentiment":"neutral","sentiment_score":-0.0813161902325718,"num_words":76,"start":1458.2151,"end":1479.63},{"sentences":[{"text":"There's no reason to remove them out.","start":1480.335,"end":1482.4149,"sentiment":"neutral","sentiment_score":-0.0975712915616376},{"text":"And when inflation is able to dip a little bit, you'll see the core composite bonds actually react quite well to that.","start":1482.4149,"end":1489.855,"sentiment":"positive","sentiment_score":0.3832223598252643},{"text":"So I do wanna sorta keep that investment in there, but I'll look at how to structure it for you.","start":1489.855,"end":1494.6749,"sentiment":"neutral","sentiment_score":0.2507992126047611},{"text":"You've also got the S and P 500.","start":1496.54,"end":1498.78,"sentiment":"neutral","sentiment_score":0.06965365447103977},{"text":"So this is the second last one from the bottom.","start":1498.78,"end":1500.78,"sentiment":"neutral","sentiment_score":0.09125537797808647}],"sentiment":"neutral","sentiment_score":0.2124426886995337,"num_words":67,"start":1480.335,"end":1500.78},{"sentences":[{"text":"This is giving you access and exposure to the top 500 companies on the a s...","start":1500.78,"end":1505.5,"sentiment":"neutral","sentiment_score":0.07542738318443298},{"text":"Sorry.","start":1505.5,"end":1505.74,"sentiment":"neutral","sentiment_score":-0.015514076687395573},{"text":"On The US market.","start":1505.74,"end":1506.96,"sentiment":"neutral","sentiment_score":-0.01175078540109098},{"text":"It's tracking the top...","start":1507.18,"end":1508.46,"sentiment":"neutral","sentiment_score":0.01450692699290812},{"text":"The S and P 500 index, and the S and P 500 index can essentially encompass anywhere from 500 to 520 different companies.","start":1508.46,"end":1517.015,"sentiment":"neutral","sentiment_score":0.03928944573778173}],"sentiment":"neutral","sentiment_score":0.043875122345828764,"num_words":48,"start":1500.78,"end":1517.015},{"sentences":[{"text":"And this is kind of a really good view of what a passive investment is.","start":1517.3151,"end":1522.135,"sentiment":"neutral","sentiment_score":0.2719559341669083},{"text":"This investment is a passive investment.","start":1522.595,"end":1524.595,"sentiment":"neutral","sentiment_score":0.16139302651087442},{"text":"It is tracking the S and P 500 indices.","start":1524.595,"end":1527.24,"sentiment":"neutral","sentiment_score":0.12459517932600445},{"text":"So, essentially, whenever the committee meet for...","start":1527.7001,"end":1531.06,"sentiment":"neutral","sentiment_score":0.047414413653314114},{"text":"To discuss what's happening in the S and P 500 and either to keep companies in or to remove companies from that, If they make changes to the index, then the iShares S and P 500 investment, they also make changes in line with that.","start":1531.06,"end":1546.955,"sentiment":"neutral","sentiment_score":0.05382341324455208}],"sentiment":"neutral","sentiment_score":0.10881717411074333,"num_words":82,"start":1517.3151,"end":1546.955},{"sentences":[{"text":"So it just essentially means that less less changes occur within the investment on a regular basis.","start":1546.955,"end":1552.475,"sentiment":"neutral","sentiment_score":0.10810607496429891},{"text":"So they're not, you know, trying to pick and time the market.","start":1552.475,"end":1555.64,"sentiment":"neutral","sentiment_score":0.05262282118201256},{"text":"They're not trying to, you know, find the right company at the right price and buying in at the exact right time.","start":1555.64,"end":1561.8201,"sentiment":"neutral","sentiment_score":0.14785975793545897},{"text":"They're just making changes that need to happen as per the index, And that over time can have a much greater effect for you and provide much greater returns, but it also is lower cost.","start":1561.9601,"end":1572.495,"sentiment":"positive","sentiment_score":0.3432363020522254},{"text":"And that's one of the things that's really important is trying to, you know, where possible, reduce investment fees if possible, because it means that more money stays invested in your portfolio working harder for you over time.","start":1572.495,"end":1584.4299,"sentiment":"neutral","sentiment_score":0.17499874493009165}],"sentiment":"neutral","sentiment_score":0.19665657001877984,"num_words":124,"start":1546.955,"end":1584.4299},{"sentences":[{"text":"Does that make sense?","start":1584.4299,"end":1585.57,"sentiment":"neutral","sentiment_score":0.11814128048717976},{"text":"Yeah.","start":1586.91,"end":1587.41,"sentiment":"neutral","sentiment_score":-0.002923654392361641},{"text":"And then you've...","start":1587.95,"end":1588.59,"sentiment":"neutral","sentiment_score":-0.021439457933108013},{"text":"Underneath it, you've got the Van Eck property.","start":1588.59,"end":1590.4299,"sentiment":"neutral","sentiment_score":-0.06151741184294224},{"text":"Now this is giving you access and exposure to listed property.","start":1590.4299,"end":1593.57,"sentiment":"neutral","sentiment_score":-0.11905221844261343}],"sentiment":"neutral","sentiment_score":-0.05171817051315749,"num_words":27,"start":1584.4299,"end":1593.57},{"sentences":[{"text":"Property has taken a bit of a hit.","start":1594.675,"end":1596.3551,"sentiment":"negative","sentiment_score":-0.4686134271323681},{"text":"So this investment is down.","start":1596.3551,"end":1598.055,"sentiment":"neutral","sentiment_score":-0.3314559102058411},{"text":"Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit.","start":1599.155,"end":1605.4751,"sentiment":"negative","sentiment_score":-0.4705833300948143},{"text":"So we are seeing that down a little bit at the moment.","start":1605.4751,"end":1608.2151,"sentiment":"negative","sentiment_score":-0.402377928296725},{"text":"I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it.","start":1608.89,"end":1614.83,"sentiment":"neutral","sentiment_score":-0.17146973142569716}],"sentiment":"negative","sentiment_score":-0.3495331761329921,"num_words":67,"start":1594.675,"end":1614.83},{"sentences":[{"text":"Realistically, we don't want to, you know, sell all the investments when they are down.","start":1615.21,"end":1620.01,"sentiment":"neutral","sentiment_score":-0.30447398126125336},{"text":"We wanna allow them to come back and recover where possible.","start":1620.01,"end":1623.07,"sentiment":"neutral","sentiment_score":-0.23368433524261822},{"text":"But within...","start":1624.4451,"end":1625.185,"sentiment":"neutral","sentiment_score":-0.09667035564780235},{"text":"Your property could be down for a while, and there might be another way to give you exposure to property without holding the investment there.","start":1625.485,"end":1632.4651,"sentiment":"neutral","sentiment_score":-0.3188615757226944},{"text":"Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you.","start":1632.765,"end":1644.7,"sentiment":"neutral","sentiment_score":0.11740377290946681}],"sentiment":"neutral","sentiment_score":-0.11158471086874922,"num_words":94,"start":1615.21,"end":1644.7},{"sentences":[{"text":"Yep.","start":1646.36,"end":1646.76,"sentiment":"neutral","sentiment_score":0.14493344724178314},{"text":"Do you have any questions about any of those investments at all so far?","start":1646.76,"end":1650.38,"sentiment":"neutral","sentiment_score":0.10637540742754936},{"text":"Yeah.","start":1661.615,"end":1662.115,"sentiment":"neutral","sentiment_score":0.008407814428210258},{"text":"So a physical gold doesn't pay any income.","start":1664.255,"end":1666.9149,"sentiment":"neutral","sentiment_score":-0.08441184042021632},{"text":"So income is essentially looking at dividends that are being paid at.","start":1667.1499,"end":1670.2699,"sentiment":"neutral","sentiment_score":0.04895839219292005}],"sentiment":"neutral","sentiment_score":0.04318897079469429,"num_words":36,"start":1646.36,"end":1670.2699},{"sentences":[{"text":"And between all those investments, they all pay dividends throughout the course of the year, which is fantastic because dividends are paid to your cash account, and then that money is reinvested back in your portfolio.","start":1670.2699,"end":1681.09,"sentiment":"neutral","sentiment_score":0.28707089254425633},{"text":"But commodities like physical gold and silver, they actually don't pay dividends.","start":1681.95,"end":1686.0851,"sentiment":"neutral","sentiment_score":-0.13649749321242174},{"text":"They're not...","start":1686.0851,"end":1686.485,"sentiment":"neutral","sentiment_score":-0.08480437844991684},{"text":"It's not income production...","start":1686.485,"end":1687.9451,"sentiment":"neutral","sentiment_score":-0.10177409648895264},{"text":"No.","start":1688.485,"end":1688.645,"sentiment":"neutral","sentiment_score":-0.12949004769325256}],"sentiment":"neutral","sentiment_score":0.14527976404536855,"num_words":55,"start":1670.2699,"end":1688.645},{"sentences":[{"text":"Sorry.","start":1688.645,"end":1688.9651,"sentiment":"neutral","sentiment_score":-0.11518681049346924},{"text":"Non income producing asset.","start":1688.9651,"end":1690.505,"sentiment":"neutral","sentiment_score":-0.10171772725880146},{"text":"So it only gets growth.","start":1690.645,"end":1692.165,"sentiment":"neutral","sentiment_score":-0.09176796674728394},{"text":"And that's why it's always good to have a bit of those sorts of investments, but you don't wanna have only those.","start":1692.165,"end":1697.125,"sentiment":"neutral","sentiment_score":0.058663598134775057},{"text":"You wanna sort of incorporate some income production out of your portfolio as well.","start":1697.125,"end":1701.39,"sentiment":"neutral","sentiment_score":0.10539346135088376}],"sentiment":"neutral","sentiment_score":0.03880891444809411,"num_words":46,"start":1688.645,"end":1701.39},{"sentences":[{"text":"Does that make sense?","start":1701.39,"end":1702.45,"sentiment":"neutral","sentiment_score":0.06620107404887676},{"text":"Yeah.","start":1703.23,"end":1703.73,"sentiment":"neutral","sentiment_score":0.03867714479565621},{"text":"Yeah.","start":1703.87,"end":1704.37,"sentiment":"neutral","sentiment_score":0.0036054905503988266},{"text":"Absolutely.","start":1706.83,"end":1707.33,"sentiment":"neutral","sentiment_score":0.106666699051857},{"text":"That is a great question.","start":1707.95,"end":1709.17,"sentiment":"neutral","sentiment_score":0.21154023408889772}],"sentiment":"neutral","sentiment_score":0.12262123341982563,"num_words":12,"start":1701.39,"end":1709.17},{"sentences":[{"text":"It does.","start":1715.775,"end":1716.515,"sentiment":"neutral","sentiment_score":0.04960234649479389},{"text":"Exactly.","start":1717.0549,"end":1717.5549,"sentiment":"neutral","sentiment_score":0.0706823393702507},{"text":"Yeah.","start":1717.615,"end":1717.9349,"sentiment":"neutral","sentiment_score":-0.05050487443804741},{"text":"If you go down to the next page of that one, so scroll down, you'll see there's a second page, and it basically correlates the returns seen from your entire portfolio.","start":1717.9349,"end":1729.82,"sentiment":"neutral","sentiment_score":0.08423399444549315},{"text":"Yeah.","start":1729.82,"end":1730.32,"sentiment":"neutral","sentiment_score":0.1342453807592392}],"sentiment":"neutral","sentiment_score":0.07958003795809215,"num_words":36,"start":1715.775,"end":1730.32},{"sentences":[{"text":"So when we look at this, it shows you the market value at the beginning.","start":1730.38,"end":1733.9,"sentiment":"neutral","sentiment_score":0.17080707053343455},{"text":"So this time last year, showing you had $381,501.46.","start":1733.9,"end":1739.835,"sentiment":"neutral","sentiment_score":0.19462844894991982},{"text":"Then we've got deposits.","start":1739.995,"end":1741.115,"sentiment":"neutral","sentiment_score":0.14567697793245316},{"text":"So this is a combination of money going in from dividends as well as contributions, and all the other, you know, you get rebates and things as well.","start":1741.115,"end":1748.735,"sentiment":"neutral","sentiment_score":0.2627950156373637},{"text":"And then withdrawals essentially looks at money coming out for taxes, for CDT because your super fund also pays taxes as well as insurance premiums and anything there.","start":1749.2749,"end":1760.64,"sentiment":"neutral","sentiment_score":0.16551077232829162}],"sentiment":"neutral","sentiment_score":0.20105990563474951,"num_words":84,"start":1730.38,"end":1760.64},{"sentences":[{"text":"And then you've got your end market value.","start":1761.18,"end":1763.74,"sentiment":"neutral","sentiment_score":0.1264033718034625},{"text":"So that's the balance within your super at...","start":1763.74,"end":1766.22,"sentiment":"neutral","sentiment_score":0.09497512504458427},{"text":"As at the twenty eighth of the ninth.","start":1766.22,"end":1768.16,"sentiment":"neutral","sentiment_score":0.1359354965388775},{"text":"The next one is the income, and that shows that within this last twelve months, your portfolio has generated total income from all the investments above of $13,773.15, which is pretty good income.","start":1768.425,"end":1784.0,"sentiment":"neutral","sentiment_score":0.3219469487667084},{"text":"Yeah.","start":1785.98,"end":1786.48,"sentiment":"neutral","sentiment_score":0.2230805903673172}],"sentiment":"neutral","sentiment_score":0.23630761804765668,"num_words":58,"start":1761.18,"end":1786.48},{"sentences":[{"text":"Then you've got the growth.","start":1786.78,"end":1788.14,"sentiment":"neutral","sentiment_score":0.1160661056637764},{"text":"So when we look at returns, it's a combination of growth and income.","start":1788.14,"end":1791.92,"sentiment":"neutral","sentiment_score":0.10794906146251239},{"text":"This is showing that over the past twelve months, the growth within the portfolio has been $7,856.70.","start":1792.3,"end":1801.045,"sentiment":"neutral","sentiment_score":0.12058567080427618},{"text":"So it does show the growth is definitely less than what the income has been produced, and that is a lot to do with the fact that Bennelong is down and your property is down as well.","start":1801.045,"end":1811.25,"sentiment":"neutral","sentiment_score":-0.2657801287399756},{"text":"Those two investments seem to be holding your portfolio back a little bit at the moment there.","start":1811.25,"end":1816.15,"sentiment":"negative","sentiment_score":-0.43131692970500274}],"sentiment":"neutral","sentiment_score":-0.1475576161501113,"num_words":89,"start":1786.78,"end":1816.15},{"sentences":[{"text":"But the next column is your total earnings.","start":1816.85,"end":1819.89,"sentiment":"neutral","sentiment_score":0.034895237535238266},{"text":"So this is a combination of your income plus your growth within the last twelve months, and it shows that within your portfolio, that's over $21,629.85.","start":1819.89,"end":1831.9451,"sentiment":"neutral","sentiment_score":0.10392747475550725},{"text":"Yep.","start":1833.765,"end":1834.245,"sentiment":"neutral","sentiment_score":0.12435170263051988},{"text":"And as a percentage, the return is about 3.54%.","start":1834.245,"end":1838.665,"sentiment":"neutral","sentiment_score":0.13706713749302757},{"text":"So, realistically, the return is a lot lower than where I would like it to be.","start":1838.7251,"end":1843.4199,"sentiment":"neutral","sentiment_score":-0.15242587681859732}],"sentiment":"neutral","sentiment_score":0.03167363591492176,"num_words":60,"start":1816.85,"end":1843.4199},{"sentences":[{"text":"With your portfolio and the way this is, you're in a growth growth portfolio.","start":1843.5599,"end":1848.14,"sentiment":"neutral","sentiment_score":0.17039040688957488},{"text":"So that is essentially seeing 80% of your super invested in those growth higher risk investments like shares and property and gold and commodities because that's where you see a lot of the growth from.","start":1848.36,"end":1860.6849,"sentiment":"neutral","sentiment_score":0.23001060842403342},{"text":"However, at times when the market is volatile and down and up and like what we've seen this year, you can also expect lower rates of returns from those sorts of investments.","start":1860.745,"end":1869.97,"sentiment":"neutral","sentiment_score":-0.13956613442860544},{"text":"And that's essentially what's happened here.","start":1870.03,"end":1871.87,"sentiment":"neutral","sentiment_score":-0.10844121128320694},{"text":"It's a combination of the volatility, what's been happening globally in your portfolio, but then also the fact that the government's also made those changes with the property.","start":1871.87,"end":1880.865,"sentiment":"neutral","sentiment_score":-0.08790752930300576}],"sentiment":"neutral","sentiment_score":0.02484924001214297,"num_words":115,"start":1843.5599,"end":1880.865},{"sentences":[{"text":"So your property side of things is down holding your portfolio back.","start":1880.9249,"end":1884.7849,"sentiment":"neutral","sentiment_score":-0.22911783928672472},{"text":"And then that actively managed fund, that's been a long investment.","start":1884.9249,"end":1887.9049,"sentiment":"neutral","sentiment_score":-0.17196726257150824},{"text":"That's not performing great as well.","start":1887.965,"end":1889.485,"sentiment":"negative","sentiment_score":-0.4723313997189204},{"text":"They've had some internal issues there.","start":1889.485,"end":1891.645,"sentiment":"neutral","sentiment_score":-0.3279904176791509},{"text":"So those two investments have sorta held things back a little bit.","start":1891.645,"end":1894.44,"sentiment":"negative","sentiment_score":-0.3350974867741267}],"sentiment":"neutral","sentiment_score":-0.2864713767107497,"num_words":47,"start":1880.9249,"end":1894.44},{"sentences":[{"text":"Your percentage is definitely lower than where I would like it to be.","start":1894.44,"end":1897.6599,"sentiment":"neutral","sentiment_score":-0.3314835520891043},{"text":"However, as much as it's a 3% return, it does show 3% gives you over $21,000 in income and growth.","start":1898.12,"end":1905.64,"sentiment":"neutral","sentiment_score":0.27043922170996665},{"text":"So, you know, if we had have been able to get from this year, you know, a nine or 10 or 11% return, you could imagine the earnings would have been a lot bigger on that side of things.","start":1905.64,"end":1915.0249,"sentiment":"neutral","sentiment_score":0.09739417811998954},{"text":"Does that make sense?","start":1915.0249,"end":1916.085,"sentiment":"neutral","sentiment_score":0.06348970904946327},{"text":"Yeah.","start":1917.105,"end":1917.605,"sentiment":"neutral","sentiment_score":0.07494725286960602}],"sentiment":"neutral","sentiment_score":0.06788022458166271,"num_words":77,"start":1894.44,"end":1917.605},{"sentences":[{"text":"So what I would like to do, because this portfolio is a bit older, there are definitely some changes to make.","start":1917.9049,"end":1923.18,"sentiment":"neutral","sentiment_score":0.0287485293866623},{"text":"I wanna go back, review the super, review the investment, make some changes to the portfolio, update things, and kind of look at how I can make them work a bit harder for you.","start":1923.18,"end":1931.76,"sentiment":"neutral","sentiment_score":0.026987418203669435},{"text":"We'll come back.","start":1931.8201,"end":1932.8,"sentiment":"neutral","sentiment_score":0.02238527312874794},{"text":"I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make.","start":1932.9401,"end":1939.645,"sentiment":"neutral","sentiment_score":0.13817622480185135},{"text":"I'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy.","start":1940.1849,"end":1947.885,"sentiment":"neutral","sentiment_score":0.21489883333444595}],"sentiment":"neutral","sentiment_score":0.09565067131353437,"num_words":106,"start":1917.9049,"end":1947.885},{"sentences":[{"text":"And then you get to take that away and have a really good read of that as well.","start":1948.0399,"end":1951.24,"sentiment":"neutral","sentiment_score":0.223467162085904},{"text":"How does that sound?","start":1951.24,"end":1952.38,"sentiment":"neutral","sentiment_score":0.10931131429970264},{"text":"Yep.","start":1953.3999,"end":1953.8999,"sentiment":"neutral","sentiment_score":0.12207167595624924},{"text":"Beautiful.","start":1953.96,"end":1954.46,"sentiment":"positive","sentiment_score":0.5876455307006836},{"text":"Excellent.","start":1954.84,"end":1955.34,"sentiment":"positive","sentiment_score":0.5875980854034424}],"sentiment":"neutral","sentiment_score":0.23027877867221833,"num_words":25,"start":1948.0399,"end":1955.34},{"sentences":[{"text":"That is a lot, and I understand that.","start":1956.0399,"end":1957.88,"sentiment":"neutral","sentiment_score":0.3282841183245182},{"text":"Do you have any questions in relation to any of that, James, at all?","start":1957.88,"end":1961.235,"sentiment":"neutral","sentiment_score":0.09835616419357913},{"text":"No.","start":1963.875,"end":1964.355,"sentiment":"neutral","sentiment_score":-0.05553795024752617},{"text":"That's okay.","start":1964.355,"end":1965.095,"sentiment":"neutral","sentiment_score":0.05045289359986782},{"text":"All good.","start":1965.235,"end":1965.895,"sentiment":"neutral","sentiment_score":0.22905690968036652}],"sentiment":"neutral","sentiment_score":0.16691632968959985,"num_words":27,"start":1956.0399,"end":1965.895},{"sentences":[{"text":"If you can scroll...","start":1966.275,"end":1967.335,"sentiment":"neutral","sentiment_score":0.10687606036663055},{"text":"Yes.","start":1969.315,"end":1969.815,"sentiment":"neutral","sentiment_score":0.108901746571064},{"text":"Yeah.","start":1970.035,"end":1970.4349,"sentiment":"neutral","sentiment_score":0.1290556937456131},{"text":"Definitely.","start":1970.4349,"end":1970.9349,"sentiment":"neutral","sentiment_score":0.1679779589176178},{"text":"Yep.","start":1971.315,"end":1971.815,"sentiment":"neutral","sentiment_score":0.059206895530223846}],"sentiment":"neutral","sentiment_score":0.11158081702888012,"num_words":8,"start":1966.275,"end":1971.815},{"sentences":[{"text":"No.","start":1972.915,"end":1973.155,"sentiment":"neutral","sentiment_score":-0.16547906398773193},{"text":"No.","start":1973.155,"end":1973.475,"sentiment":"neutral","sentiment_score":-0.11028893291950226},{"text":"Absolutely fine.","start":1973.475,"end":1974.775,"sentiment":"neutral","sentiment_score":0.32887619733810425},{"text":"If you can go on to the next document for me, the next one there is...","start":1975.7301,"end":1979.99,"sentiment":"neutral","sentiment_score":0.24643612559884787},{"text":"Yeah.","start":1981.25,"end":1981.75,"sentiment":"neutral","sentiment_score":0.13549406826496124}],"sentiment":"neutral","sentiment_score":0.21240268931502387,"num_words":21,"start":1972.915,"end":1981.75},{"sentences":[{"text":"So this is a bit of a guide, and this is one of the things I love about my job is the educational value.","start":1982.37,"end":1987.7301,"sentiment":"positive","sentiment_score":0.4481293211380641},{"text":"It's not as interesting to everyone, and if you're not, that's okay.","start":1987.7301,"end":1990.9501,"sentiment":"neutral","sentiment_score":0.1118418009330829},{"text":"But this shows you how and why we invest the way we do.","start":1991.385,"end":1994.845,"sentiment":"positive","sentiment_score":0.33514019732291883},{"text":"Essentially, if you're looking at the side of the document, you've got US shares, Australian shares, international shares, and listed property.","start":1995.545,"end":2002.765,"sentiment":"neutral","sentiment_score":0.1054797147711118},{"text":"You can see those on there?","start":2002.985,"end":2004.525,"sentiment":"neutral","sentiment_score":0.06205896784861883}],"sentiment":"neutral","sentiment_score":0.250545469749915,"num_words":76,"start":1982.37,"end":2004.525},{"sentences":[{"text":"It's on the...","start":2009.54,"end":2010.66,"sentiment":"neutral","sentiment_score":-0.01727667326728503},{"text":"On...","start":2010.66,"end":2011.16,"sentiment":"neutral","sentiment_score":-0.004444676451385021},{"text":"Where I'm facing?","start":2011.4601,"end":2012.36,"sentiment":"neutral","sentiment_score":-0.020961903656522434},{"text":"Yep.","start":2012.5,"end":2013.0,"sentiment":"neutral","sentiment_score":0.06613148748874664},{"text":"All good.","start":2014.18,"end":2014.92,"sentiment":"positive","sentiment_score":0.3919595927000046}],"sentiment":"neutral","sentiment_score":0.07308902656659484,"num_words":10,"start":2009.54,"end":2014.92},{"sentences":[{"text":"Those are your growth assets.","start":2015.7001,"end":2017.155,"sentiment":"neutral","sentiment_score":0.18891725838184356},{"text":"So when we sort of talked before that you're in a growth portfolio, you see 80% of your super invested in these sorts of growth assets there because they get the the best kind of returns longer term.","start":2017.235,"end":2027.8151,"sentiment":"neutral","sentiment_score":0.18384334229324995},{"text":"If you think about this document here, it shows you that in 1996, if you had to put $10,000 into US shares as an example, you let it sit and compound over time, reinvesting any income that's being produced, it would have turned $10,000 into 218,544.","start":2027.875,"end":2047.05,"sentiment":"neutral","sentiment_score":0.09782428723638473},{"text":"That's a lot of money.","start":2047.3151,"end":2048.435,"sentiment":"neutral","sentiment_score":0.22515381276607513},{"text":"It's essentially a compounded annual return of 10.8%.","start":2048.435,"end":2052.855,"sentiment":"neutral","sentiment_score":0.2321255635470152}],"sentiment":"neutral","sentiment_score":0.15111102043267557,"num_words":102,"start":2015.7001,"end":2052.855},{"sentences":[{"text":"So that is a really good rate of return.","start":2053.155,"end":2055.555,"sentiment":"positive","sentiment_score":0.3501068651676178},{"text":"But if you think about the person investing in 1996, they have that 10,000 invested.","start":2055.555,"end":2060.82,"sentiment":"neutral","sentiment_score":0.03688735937078794},{"text":"They're reinvesting their income, but they're going through all these ups and downs.","start":2060.82,"end":2064.7402,"sentiment":"neutral","sentiment_score":-0.015574945710026301},{"text":"Following that line, they've gone through things like the, you know, the GST standard...","start":2064.7402,"end":2070.6802,"sentiment":"neutral","sentiment_score":-0.023659993628306047},{"text":"The d...","start":2071.1401,"end":2071.78,"sentiment":"neutral","sentiment_score":-0.05311134085059166}],"sentiment":"neutral","sentiment_score":0.05781764698759565,"num_words":53,"start":2053.155,"end":2071.78},{"sentences":[{"text":"GST was introduced and .com bubble was there, the Bali bombing.","start":2071.78,"end":2076.355,"sentiment":"neutral","sentiment_score":-0.07815702598203313},{"text":"They also had to go through the GFC.","start":2076.495,"end":2078.435,"sentiment":"neutral","sentiment_score":-0.0774667258374393},{"text":"They had to go through COVID.","start":2078.575,"end":2080.0151,"sentiment":"neutral","sentiment_score":-0.06826640665531158},{"text":"They had to go through, you know, so many ups and downs.","start":2080.0151,"end":2083.635,"sentiment":"neutral","sentiment_score":-0.06823446818937857},{"text":"Exactly.","start":2083.935,"end":2084.435,"sentiment":"neutral","sentiment_score":-0.1434776484966278}],"sentiment":"neutral","sentiment_score":-0.07503554734744523,"num_words":38,"start":2071.78,"end":2084.435},{"sentences":[{"text":"And that's a very nervous sort of time to go through.","start":2084.495,"end":2087.715,"sentiment":"neutral","sentiment_score":-0.3119521601633592},{"text":"When you sort of think about this...","start":2088.1401,"end":2090.0,"sentiment":"neutral","sentiment_score":-0.111313596367836},{"text":"Yep.","start":2093.02,"end":2093.52,"sentiment":"neutral","sentiment_score":-0.011040925048291683},{"text":"Absolutely.","start":2095.98,"end":2096.48,"sentiment":"neutral","sentiment_score":0.07321678102016449},{"text":"And the GFC lasted quite a while.","start":2096.7,"end":2099.44,"sentiment":"neutral","sentiment_score":-0.08746488392353058}],"sentiment":"neutral","sentiment_score":-0.17632397288387572,"num_words":27,"start":2084.495,"end":2099.44},{"sentences":[{"text":"You know, we saw very large dips in the market, and it took basically until around about two thousand and ten to eleven for the market to really come back to where it was pre levels before that drop.","start":2099.6602,"end":2111.275,"sentiment":"neutral","sentiment_score":-0.14668561021486917},{"text":"So the GFC lasted quite some time and took quite a lot of recovery there.","start":2111.7349,"end":2116.14,"sentiment":"neutral","sentiment_score":-0.042064617822567624},{"text":"But this is essentially why we invest the way we do.","start":2116.2998,"end":2119.2798,"sentiment":"neutral","sentiment_score":0.2868140075694431},{"text":"When you're younger, when you've got more time on your side, we can go through those ups and downs, keep investing and keep putting money into your super to take advantage of those sorts of ups and downs.","start":2119.74,"end":2131.68,"sentiment":"neutral","sentiment_score":0.3195692849786658},{"text":"One of the things I like to sort of use as an analogy is if you were to buy a shirt and it was a really good quality shirt and it cost you $50, you're happy with that shirt, you're happy to pay that price for that quality shirt.","start":2131.885,"end":2144.3052,"sentiment":"positive","sentiment_score":0.47605046386621436}],"sentiment":"neutral","sentiment_score":0.21232468142223201,"num_words":152,"start":2099.6602,"end":2144.3052},{"sentences":[{"text":"The next day...","start":2144.5,"end":2146.04,"sentiment":"neutral","sentiment_score":-0.0128349835673968},{"text":"$50.","start":2146.9001,"end":2147.72,"sentiment":"neutral","sentiment_score":-0.009405572898685932},{"text":"The next day, the bingtang singlet.","start":2148.1802,"end":2152.6802,"sentiment":"neutral","sentiment_score":0.00489343935623765},{"text":"No.","start":2153.86,"end":2154.1,"sentiment":"neutral","sentiment_score":-0.06507232785224915},{"text":"You're fine.","start":2154.1,"end":2155.0,"sentiment":"neutral","sentiment_score":0.033996212761849165}],"sentiment":"neutral","sentiment_score":-0.0012022915224616344,"num_words":13,"start":2144.5,"end":2155.0},{"sentences":[{"text":"If that shirt was to go on sale the next day and it's down 50% to $25, you know, you look at it and you go, wow.","start":2156.4202,"end":2163.4548,"sentiment":"neutral","sentiment_score":0.011046623362711182},{"text":"Same same shirt.","start":2163.4548,"end":2164.4949,"sentiment":"neutral","sentiment_score":-0.0077817800144354505},{"text":"I could've bought two for the same amount of money if I'd held off.","start":2164.4949,"end":2167.7148,"sentiment":"neutral","sentiment_score":-0.027775687165558338},{"text":"The same thing works with investing.","start":2168.255,"end":2170.195,"sentiment":"neutral","sentiment_score":0.1688273809850216},{"text":"If you were to say...","start":2170.415,"end":2171.375,"sentiment":"neutral","sentiment_score":0.050439778715372086}],"sentiment":"neutral","sentiment_score":0.020931219089437614,"num_words":55,"start":2156.4202,"end":2171.375},{"sentences":[{"text":"If I use the S and P 500 as an example, if that investment is, say, you buy in and the units of that investment are $50 per unit, if your super contributions go in and it's more than a $100, then you put a $100 into that investment.","start":2171.375,"end":2187.21,"sentiment":"neutral","sentiment_score":0.09310789672391755},{"text":"You get two units of that investment.","start":2187.465,"end":2189.3252,"sentiment":"neutral","sentiment_score":0.12543136307171412},{"text":"The next week, your super contributions go in.","start":2189.625,"end":2192.2651,"sentiment":"neutral","sentiment_score":0.04499919665977359},{"text":"If the market's taken a bit of a dip and that investment is worth $25, that same $100 buys you four units of that investment.","start":2192.2651,"end":2200.125,"sentiment":"neutral","sentiment_score":0.08576207831501961},{"text":"And then as the market comes out, you've bought some units really cheap.","start":2200.4001,"end":2203.84,"sentiment":"neutral","sentiment_score":0.2252605534516848}],"sentiment":"neutral","sentiment_score":0.10659548242156412,"num_words":102,"start":2171.375,"end":2203.84},{"sentences":[{"text":"You actually take advantage of that.","start":2203.84,"end":2205.6802,"sentiment":"positive","sentiment_score":0.3720423181851705},{"text":"It's a way to buy low and sell high without actually having to time the market.","start":2205.6802,"end":2210.26,"sentiment":"neutral","sentiment_score":0.21191761270165443},{"text":"And so what we wanna do is we wanna take advantage of the ups and downs in the market.","start":2210.48,"end":2214.82,"sentiment":"neutral","sentiment_score":0.2740472304193597},{"text":"And that's why we stay invested through the downtimes and keep investing through the ups and downs in the market.","start":2215.335,"end":2221.9749,"sentiment":"neutral","sentiment_score":0.18220408968627452},{"text":"And you'll find over the course of, you know, five, ten, fifteen, twenty years, it actually provides a really great benefit.","start":2221.9749,"end":2228.215,"sentiment":"positive","sentiment_score":0.6510973615305764}],"sentiment":"positive","sentiment_score":0.3432556033679625,"num_words":82,"start":2203.84,"end":2228.215},{"sentences":[{"text":"And that's how we grow our super to the levels that we want to do.","start":2228.215,"end":2232.0,"sentiment":"positive","sentiment_score":0.6900869925816854},{"text":"That's how we take advantage of the ups and downs the market sees.","start":2232.0,"end":2235.1401,"sentiment":"neutral","sentiment_score":0.2679874816766152},{"text":"But it is all easy to say that's what we wanna do, but it is really hard.","start":2235.6,"end":2239.9202,"sentiment":"neutral","sentiment_score":-0.03679282399003997},{"text":"When we see things going down, it does make us feel very nervous as human beings.","start":2239.9202,"end":2245.06,"sentiment":"negative","sentiment_score":-0.5154126193374395},{"text":"We tend to feel...","start":2245.425,"end":2246.565,"sentiment":"neutral","sentiment_score":-0.23473384976387024}],"sentiment":"neutral","sentiment_score":0.06190964360363208,"num_words":65,"start":2228.215,"end":2246.565},{"sentences":[{"text":"Absolutely.","start":2247.665,"end":2248.165,"sentiment":"neutral","sentiment_score":-0.26576104760169983},{"text":"And that compounds that downward effect.","start":2248.625,"end":2251.445,"sentiment":"negative","sentiment_score":-0.40848324696222943},{"text":"And that's essentially the biggest thing.","start":2251.585,"end":2253.185,"sentiment":"neutral","sentiment_score":-0.33293820917606354},{"text":"Whenever you see the market taking a bit of a dip, 90% of that dip is human emotions.","start":2253.185,"end":2259.125,"sentiment":"neutral","sentiment_score":-0.3060319407118691},{"text":"People have read something that makes them feel nervous.","start":2259.62,"end":2261.94,"sentiment":"neutral","sentiment_score":-0.3264377299282286}],"sentiment":"neutral","sentiment_score":-0.329020107164979,"num_words":40,"start":2247.665,"end":2261.94},{"sentences":[{"text":"So a couple of people sell, then someone else starts to sell.","start":2261.94,"end":2265.1602,"sentiment":"negative","sentiment_score":-0.35324950392047566},{"text":"Then people see that is going down, and they start to sell, and it starts a chain reaction.","start":2265.22,"end":2270.36,"sentiment":"negative","sentiment_score":-0.3529806145363384},{"text":"What my job is is to help you avoid doing that, not to make that kind of a reaction.","start":2271.1401,"end":2276.305,"sentiment":"neutral","sentiment_score":-0.15481900659046674},{"text":"So when I kind of look at your portfolio and go, hey.","start":2276.365,"end":2278.925,"sentiment":"neutral","sentiment_score":-0.05148349547137817},{"text":"I wanna make some changes to it.","start":2278.925,"end":2280.765,"sentiment":"neutral","sentiment_score":-0.013635881777320589}],"sentiment":"neutral","sentiment_score":-0.20952146105906544,"num_words":68,"start":2261.94,"end":2280.765},{"sentences":[{"text":"It's because I've reviewed the investments, because I've deemed those investments no longer viable, and that we really should look to move you into something else to replace them and to keep your super building and working harder.","start":2280.765,"end":2291.58,"sentiment":"neutral","sentiment_score":-0.1915453213610147},{"text":"Does that make sense?","start":2291.58,"end":2292.6401,"sentiment":"neutral","sentiment_score":-0.02332448773086071},{"text":"Yeah.","start":2293.6602,"end":2294.1602,"sentiment":"neutral","sentiment_score":0.0014058928936719894},{"text":"Yeah.","start":2294.22,"end":2294.72,"sentiment":"neutral","sentiment_score":-0.0012880833819508553},{"text":"So, realistically, at your age now...","start":2295.1,"end":2297.34,"sentiment":"neutral","sentiment_score":-0.011054139118641615}],"sentiment":"neutral","sentiment_score":-0.14876454375684262,"num_words":50,"start":2280.765,"end":2297.34},{"sentences":[{"text":"Now double checking, I've got you wanting to...","start":2297.34,"end":2300.855,"sentiment":"neutral","sentiment_score":-0.0025286946911364794},{"text":"You are 50 years.","start":2300.855,"end":2302.2349,"sentiment":"neutral","sentiment_score":-0.007711516926065087},{"text":"What age are you hoping to be able to fully retire and maybe access your super?","start":2303.655,"end":2308.4548,"sentiment":"neutral","sentiment_score":0.007479477906599641},{"text":"What would your goal age be?","start":2308.4548,"end":2310.2349,"sentiment":"neutral","sentiment_score":-0.006350202485918999},{"text":"50.","start":2312.2148,"end":2312.7148,"sentiment":"neutral","sentiment_score":-0.000036256853491067886}],"sentiment":"neutral","sentiment_score":0.0008702442715210574,"num_words":35,"start":2297.34,"end":2312.7148},{"sentences":[{"text":"No.","start":2317.57,"end":2317.8901,"sentiment":"neutral","sentiment_score":-0.0654873251914978},{"text":"Absolutely fine.","start":2317.8901,"end":2319.03,"sentiment":"neutral","sentiment_score":0.0023866361007094383},{"text":"Yep.","start":2326.545,"end":2326.785,"sentiment":"neutral","sentiment_score":0.032063569873571396},{"text":"So the earliest you can access super is the age of 60 if you fully retire.","start":2326.785,"end":2330.9648,"sentiment":"neutral","sentiment_score":0.018548657651990652},{"text":"Did you want me to use sixty years ago, or do you think you'd be looking to work till 65?","start":2331.7449,"end":2336.4648,"sentiment":"neutral","sentiment_score":-0.002846968569792807}],"sentiment":"neutral","sentiment_score":0.005279716697987169,"num_words":40,"start":2317.57,"end":2336.4648},{"sentences":[{"text":"How do you think you feel?","start":2336.4648,"end":2337.765,"sentiment":"neutral","sentiment_score":-0.005610816801587741},{"text":"Yeah.","start":2342.83,"end":2343.23,"sentiment":"neutral","sentiment_score":0.11195997893810272},{"text":"Beautiful.","start":2343.23,"end":2343.73,"sentiment":"neutral","sentiment_score":0.05769560858607292},{"text":"So 60 as a goal, not a problem at all.","start":2344.43,"end":2347.23,"sentiment":"neutral","sentiment_score":0.29033607095479963},{"text":"So that gives you about ten years before accessing super.","start":2347.23,"end":2350.21,"sentiment":"neutral","sentiment_score":0.21813689023256302}],"sentiment":"neutral","sentiment_score":0.18645429637815272,"num_words":28,"start":2336.4648,"end":2350.21},{"sentences":[{"text":"So, realistically, that does still suit that growth environment, that 8020 split that's been invested in that sort of growth environment.","start":2350.35,"end":2359.115,"sentiment":"neutral","sentiment_score":0.23791269620969183},{"text":"We understand and expect a negative year to occur, say, one in every five years.","start":2359.255,"end":2363.9949,"sentiment":"neutral","sentiment_score":-0.2705889840920766},{"text":"And this kind of portfolio, you're looking to try and obtain around about seven to 9% on a yearly basis.","start":2364.535,"end":2370.7148,"sentiment":"neutral","sentiment_score":-0.0904824260622263},{"text":"With volatility, you can get higher than that 9% quite comfortably, but it also means that years like this year, when things might not be working very well, that we do expect the return to be lower than that seven mark.","start":2371.23,"end":2382.83,"sentiment":"neutral","sentiment_score":-0.21151737305449275},{"text":"So it's about just kinda reviewing things and, you know, looking at and making sure you're comfortable there.","start":2382.83,"end":2387.905,"sentiment":"neutral","sentiment_score":0.11373016196820471}],"sentiment":"neutral","sentiment_score":-0.06519466123503187,"num_words":115,"start":2350.35,"end":2387.905},{"sentences":[{"text":"Thinking about that level of exposure, are you still comfortable with that?","start":2388.2852,"end":2392.0452,"sentiment":"neutral","sentiment_score":0.044959656894207},{"text":"Did you wanna look at maybe reducing your exposure or reducing your risk level?","start":2392.0452,"end":2396.7651,"sentiment":"neutral","sentiment_score":-0.0006460560751812798},{"text":"How do you feel about that?","start":2396.7651,"end":2398.225,"sentiment":"neutral","sentiment_score":-0.028768092393875122},{"text":"That's okay.","start":2408.71,"end":2409.51,"sentiment":"neutral","sentiment_score":-0.12285657227039337},{"text":"I have a...","start":2409.51,"end":2410.3298,"sentiment":"neutral","sentiment_score":-0.19154449800650278}],"sentiment":"neutral","sentiment_score":-0.012499570141772966,"num_words":37,"start":2388.2852,"end":2410.3298},{"sentences":[{"text":"No.","start":2410.63,"end":2410.8699,"sentiment":"neutral","sentiment_score":-0.05299917608499527},{"text":"You're absolutely fine.","start":2410.8699,"end":2412.0698,"sentiment":"neutral","sentiment_score":0.26123857001463574},{"text":"I've got a questionnaire to go through.","start":2412.0698,"end":2414.01,"sentiment":"neutral","sentiment_score":0.267192725624357},{"text":"Let's run through this, and we'll talk us through about how you would feel or might react.","start":2414.295,"end":2417.895,"sentiment":"neutral","sentiment_score":0.19354279733756008},{"text":"I've answered some of them for you already.","start":2417.895,"end":2420.075,"sentiment":"neutral","sentiment_score":0.19122507609426975}],"sentiment":"neutral","sentiment_score":0.2061414938006136,"num_words":36,"start":2410.63,"end":2420.075},{"sentences":[{"text":"The first one here is, have you ever invested in shares or direct managed funds in your own name before?","start":2421.815,"end":2427.915,"sentiment":"neutral","sentiment_score":0.08388769347220659},{"text":"Perfectly fine.","start":2431.29,"end":2432.3499,"sentiment":"positive","sentiment_score":0.43093355000019073},{"text":"The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super?","start":2434.0898,"end":2439.8699,"sentiment":"neutral","sentiment_score":0.02389897210966973},{"text":"And do you feel comfortable taking on a higher level of risk to get greater potential returns?","start":2440.49,"end":2446.0051,"sentiment":"neutral","sentiment_score":-0.02831380189779927},{"text":"Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower?","start":2446.945,"end":2456.83,"sentiment":"neutral","sentiment_score":-0.07435971100268693}],"sentiment":"neutral","sentiment_score":0.004536327330416508,"num_words":89,"start":2421.815,"end":2456.83},{"sentences":[{"text":"Where do you think you might fit on that scale?","start":2456.83,"end":2458.77,"sentiment":"neutral","sentiment_score":-0.02654134426265955},{"text":"Yep.","start":2469.63,"end":2470.1099,"sentiment":"neutral","sentiment_score":0.06332391500473022},{"text":"In the middle.","start":2470.1099,"end":2470.875,"sentiment":"neutral","sentiment_score":0.04134396960337957},{"text":"Yep.","start":2471.195,"end":2471.355,"sentiment":"neutral","sentiment_score":0.17763981223106384},{"text":"Beautiful.","start":2471.355,"end":2471.855,"sentiment":"positive","sentiment_score":0.5068293213844299}],"sentiment":"neutral","sentiment_score":0.03790071967523545,"num_words":16,"start":2456.83,"end":2471.855},{"sentences":[{"text":"The next one here says, if you saw your super fall by 20% over the next six to twelve months, how might that be making you feel?","start":2473.195,"end":2480.655,"sentiment":"neutral","sentiment_score":0.0490873523608402},{"text":"Are you a bit optimistic about the investment, maybe putting some more money in, taking advantage of the downtime?","start":2481.115,"end":2487.25,"sentiment":"neutral","sentiment_score":0.24835929838254264},{"text":"Are you a bit cautious and concerned, maybe calling us and seeing what we suggest you do and maybe looking to hold and wait through that time frame?","start":2488.03,"end":2495.73,"sentiment":"neutral","sentiment_score":-0.24720602216465132},{"text":"Are you more very anxious and maybe wanting to sell your investments to cash and the cap...","start":2496.605,"end":2502.765,"sentiment":"neutral","sentiment_score":-0.32304679383249846},{"text":"And crystallize those losses?","start":2502.765,"end":2504.545,"sentiment":"neutral","sentiment_score":-0.23932770267128944}],"sentiment":"neutral","sentiment_score":-0.07712304993091446,"num_words":95,"start":2473.195,"end":2504.545},{"sentences":[{"text":"How do you think you might react and feel?","start":2505.005,"end":2507.1848,"sentiment":"neutral","sentiment_score":-0.15740562809838188},{"text":"Yep.","start":2508.9248,"end":2509.29,"sentiment":"neutral","sentiment_score":-0.028200050815939903},{"text":"Absolutely.","start":2511.77,"end":2512.27,"sentiment":"neutral","sentiment_score":0.16215336322784424},{"text":"Yep.","start":2512.81,"end":2513.21,"sentiment":"neutral","sentiment_score":0.16576015949249268},{"text":"Perfect.","start":2513.21,"end":2513.71,"sentiment":"positive","sentiment_score":0.34842628240585327}],"sentiment":"neutral","sentiment_score":-0.05911622296732206,"num_words":13,"start":2505.005,"end":2513.71},{"sentences":[{"text":"Mhmm.","start":2515.05,"end":2515.55,"sentiment":"neutral","sentiment_score":0.08678102493286133},{"text":"The next one here is basically asking, have you ever thought about borrowing in order to invest in shares or manage funds, or have you only ever wanted to borrow for safe property?","start":2516.01,"end":2527.905,"sentiment":"neutral","sentiment_score":0.007580319701722174},{"text":"For property?","start":2533.005,"end":2533.645,"sentiment":"neutral","sentiment_score":0.002355783712118863},{"text":"Yeah.","start":2533.645,"end":2533.965,"sentiment":"neutral","sentiment_score":0.09200789034366608},{"text":"Perfect.","start":2533.965,"end":2534.465,"sentiment":"neutral","sentiment_score":0.24885056912899017}],"sentiment":"neutral","sentiment_score":0.01796056847333124,"num_words":38,"start":2515.05,"end":2534.465},{"sentences":[{"text":"Lovely.","start":2536.285,"end":2536.785,"sentiment":"positive","sentiment_score":0.5372037291526794},{"text":"Thank you for that.","start":2537.005,"end":2537.965,"sentiment":"positive","sentiment_score":0.6563917845487595},{"text":"Now, look, that's the end of that questionnaire, happily.","start":2537.965,"end":2540.4001,"sentiment":"positive","sentiment_score":0.3613602916399638},{"text":"You've scored there as a growth investor.","start":2541.18,"end":2543.68,"sentiment":"neutral","sentiment_score":0.24259026774338313},{"text":"So as I kinda mentioned before, you are in that growth portfolio.","start":2543.74,"end":2546.72,"sentiment":"neutral","sentiment_score":0.14083917252719402}],"sentiment":"neutral","sentiment_score":0.29706713444355765,"num_words":33,"start":2536.285,"end":2546.72},{"sentences":[{"text":"It says 80% in those growth assets, like US shares, Australian shares, international shares, and property, and then 20% in low risk defensive investments like cash and bonds.","start":2546.78,"end":2557.395,"sentiment":"neutral","sentiment_score":0.13548717913883074},{"text":"This does still suit your time horizon because you still have ten years before you're able to access Super.","start":2558.2551,"end":2563.955,"sentiment":"neutral","sentiment_score":0.13948317675998337},{"text":"It still suits your investment time horizon.","start":2564.175,"end":2566.435,"sentiment":"neutral","sentiment_score":0.18410917052200862},{"text":"You...","start":2567.64,"end":2568.14,"sentiment":"neutral","sentiment_score":0.0020540952682495117},{"text":"When you think about risk out of a number between one and four...","start":2568.44,"end":2571.66,"sentiment":"neutral","sentiment_score":-0.05891688368641413}],"sentiment":"neutral","sentiment_score":0.10248117904890985,"num_words":68,"start":2546.78,"end":2571.66},{"sentences":[{"text":"So...","start":2571.96,"end":2572.28,"sentiment":"neutral","sentiment_score":-0.03568383678793907},{"text":"Oh, sorry.","start":2572.28,"end":2572.68,"sentiment":"neutral","sentiment_score":-0.059653570875525475},{"text":"One and five.","start":2572.68,"end":2573.48,"sentiment":"neutral","sentiment_score":-0.04656457404295603},{"text":"So five being, you know, no risk at all, all sitting in cash, one being a 100% aggressive, all in shares.","start":2573.48,"end":2582.22,"sentiment":"neutral","sentiment_score":-0.021664352023175786},{"text":"You're sitting at about a three.","start":2582.715,"end":2584.635,"sentiment":"neutral","sentiment_score":-0.046538459757963814}],"sentiment":"neutral","sentiment_score":-0.031177783384919167,"num_words":33,"start":2571.96,"end":2584.635},{"sentences":[{"text":"So you're kind of in that mid range there.","start":2584.635,"end":2586.895,"sentiment":"neutral","sentiment_score":-0.04691141015953488},{"text":"You you have more than six years ahead of you, so you can stay in this environment.","start":2588.0752,"end":2591.935,"sentiment":"neutral","sentiment_score":0.02333482771235354},{"text":"You know, you've got that seven to 9%.","start":2593.115,"end":2595.675,"sentiment":"neutral","sentiment_score":0.02593999751843512},{"text":"We could quite comfortably alter the portfolio and kind of build on that for you.","start":2595.675,"end":2600.1301,"sentiment":"neutral","sentiment_score":0.04625335857272148},{"text":"When you are about six years away from accessing your super, I would be absolutely trying to push you down and start to reduce your risk level a little bit.","start":2600.4302,"end":2608.515,"sentiment":"neutral","sentiment_score":-0.19557985464731853}],"sentiment":"neutral","sentiment_score":-0.06318463165831717,"num_words":79,"start":2584.635,"end":2608.515},{"sentences":[{"text":"But for now, are you comfortable with you...","start":2608.6748,"end":2611.2349,"sentiment":"neutral","sentiment_score":-0.0644788253121078},{"text":"With me retaining that growth portfolio?","start":2611.2349,"end":2613.4949,"sentiment":"neutral","sentiment_score":-0.03088471107184887},{"text":"Did you wanna...","start":2613.635,"end":2614.855,"sentiment":"neutral","sentiment_score":0.00023962347768247128},{"text":"Do you wanna start reducing risk in line with, you know, a bit of comfort?","start":2615.1548,"end":2619.3948,"sentiment":"neutral","sentiment_score":-0.044552223136027656},{"text":"How do you feel?","start":2619.3948,"end":2620.375,"sentiment":"neutral","sentiment_score":-0.04850581008940935}],"sentiment":"neutral","sentiment_score":-0.04340907183036001,"num_words":36,"start":2608.6748,"end":2620.375},{"sentences":[{"text":"Retain it?","start":2622.47,"end":2623.27,"sentiment":"neutral","sentiment_score":-0.04809792712330819},{"text":"Beautiful.","start":2623.27,"end":2623.77,"sentiment":"neutral","sentiment_score":0.3331279158592224},{"text":"Do you have any questions?","start":2623.8298,"end":2625.03,"sentiment":"neutral","sentiment_score":0.10894480841234326},{"text":"I'll try to sort of explain it as much as I possibly can, but it can be a lot to kinda go through.","start":2625.03,"end":2629.77,"sentiment":"neutral","sentiment_score":-0.008528512538127277},{"text":"Do you have any questions in relation to any of that?","start":2630.23,"end":2632.97,"sentiment":"neutral","sentiment_score":0.007511262866583737}],"sentiment":"neutral","sentiment_score":0.015907719210233717,"num_words":42,"start":2622.47,"end":2632.97},{"sentences":[{"text":"Yep.","start":2634.525,"end":2635.005,"sentiment":"neutral","sentiment_score":0.14073291420936584},{"text":"That's beautiful.","start":2635.005,"end":2635.585,"sentiment":"positive","sentiment_score":0.5799943655729294},{"text":"There we go.","start":2636.6848,"end":2637.665,"sentiment":"positive","sentiment_score":0.5213350057601929},{"text":"Excellent.","start":2639.085,"end":2639.585,"sentiment":"positive","sentiment_score":0.7263147830963135},{"text":"So I'll review everything and keep you in line with that growth portfolio.","start":2640.4448,"end":2643.825,"sentiment":"positive","sentiment_score":0.6241982808479896}],"sentiment":"positive","sentiment_score":0.5852809548377991,"num_words":20,"start":2634.525,"end":2643.825},{"sentences":[{"text":"Fantastic.","start":2644.2048,"end":2644.7048,"sentiment":"positive","sentiment_score":0.705420732498169},{"text":"Now in that order you sign, the last couple of documents attached are your Zurich certificate of the currencies that runs you through all the different insurance policies in a little bit more detail there for you.","start":2645.405,"end":2655.42,"sentiment":"neutral","sentiment_score":0.18906359052335894},{"text":"We also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":2656.28,"end":2662.36,"sentiment":"neutral","sentiment_score":0.1594100451717774},{"text":"It's got a lovely glossy photo of me and also my licensing information in there for you as well.","start":2662.36,"end":2667.395,"sentiment":"neutral","sentiment_score":0.3318422264174411},{"text":"So you're welcome to look me up.","start":2667.395,"end":2668.835,"sentiment":"neutral","sentiment_score":0.26207310387066435}],"sentiment":"neutral","sentiment_score":0.22347873517058112,"num_words":88,"start":2644.2048,"end":2668.835},{"sentences":[{"text":"It outlines all of our services for you there as well.","start":2668.835,"end":2671.895,"sentiment":"neutral","sentiment_score":0.17825751142068344},{"text":"The last...","start":2672.355,"end":2673.0151,"sentiment":"neutral","sentiment_score":0.011454198509454727},{"text":"Oh, no.","start":2676.995,"end":2677.735,"sentiment":"neutral","sentiment_score":-0.14152289181947708},{"text":"No.","start":2677.875,"end":2678.115,"sentiment":"neutral","sentiment_score":-0.1446298062801361},{"text":"No.","start":2678.115,"end":2678.435,"sentiment":"neutral","sentiment_score":-0.13527464866638184}],"sentiment":"neutral","sentiment_score":0.08357592847417383,"num_words":17,"start":2668.835,"end":2678.435},{"sentences":[{"text":"You're fine.","start":2678.435,"end":2679.335,"sentiment":"neutral","sentiment_score":-0.06725895032286644},{"text":"Yep.","start":2684.71,"end":2685.21,"sentiment":"neutral","sentiment_score":0.0604926273226738},{"text":"And the last two documents attached there are the tax file opt in form.","start":2687.43,"end":2692.305,"sentiment":"neutral","sentiment_score":0.07157669003520693},{"text":"So it lets you know that we hold your tax phone number, how and why we do so.","start":2692.4648,"end":2696.4849,"sentiment":"neutral","sentiment_score":0.10815777753790219},{"text":"It's about making sure that you're fully aware of the information we hold on you and also the ongoing services agreement there as well.","start":2696.7048,"end":2703.1848,"sentiment":"neutral","sentiment_score":0.11836037350197633}],"sentiment":"neutral","sentiment_score":0.09687351435422897,"num_words":59,"start":2678.435,"end":2703.1848},{"sentences":[{"text":"So you do pay 1.65 for our services.","start":2703.1848,"end":2706.4849,"sentiment":"neutral","sentiment_score":0.09444370307028294},{"text":"This is essentially keeping it as it is for the next twelve months there.","start":2707.2,"end":2710.74,"sentiment":"neutral","sentiment_score":0.1136159183723586},{"text":"Down the track, we are looking to update our ongoing service fee.","start":2710.96,"end":2714.74,"sentiment":"neutral","sentiment_score":0.06231048641105493},{"text":"When that does, I'll go through it with you.","start":2714.96,"end":2717.14,"sentiment":"neutral","sentiment_score":0.0986209006773101},{"text":"But for the time being, you're on that 1.65.","start":2717.52,"end":2720.5,"sentiment":"neutral","sentiment_score":0.08315531743897332}],"sentiment":"neutral","sentiment_score":0.09095931311066334,"num_words":52,"start":2703.1848,"end":2720.5},{"sentences":[{"text":"That is deducted from your super account on a monthly basis in smaller monthly increments for our services there.","start":2721.425,"end":2727.905,"sentiment":"neutral","sentiment_score":0.11426181855954622},{"text":"And we make sure...","start":2727.905,"end":2728.965,"sentiment":"neutral","sentiment_score":0.11333381943404675},{"text":"Essentially, we wanna make sure that you're receiving, you know, enough of a return to cover our ongoing service fee, but then that your super is growing and building and working on top of that as well, which is really important.","start":2729.025,"end":2738.79,"sentiment":"neutral","sentiment_score":0.20914131584690837},{"text":"Does that all make sense?","start":2739.09,"end":2740.1301,"sentiment":"neutral","sentiment_score":0.11482661217451096},{"text":"And do you have any questions there at all, James?","start":2740.1301,"end":2742.3901,"sentiment":"neutral","sentiment_score":0.04135683979839087}],"sentiment":"neutral","sentiment_score":0.15426335745502875,"num_words":79,"start":2721.425,"end":2742.3901},{"sentences":[{"text":"No?","start":2744.85,"end":2745.35,"sentiment":"neutral","sentiment_score":-0.1307067573070526},{"text":"Beautiful.","start":2745.4102,"end":2745.9102,"sentiment":"neutral","sentiment_score":0.301372766494751},{"text":"You're welcome to take some time to review those ones.","start":2746.385,"end":2748.865,"sentiment":"neutral","sentiment_score":0.28884799778461456},{"text":"If you did or are comfortable to do so, when you're ready, we'll get you to sign and return them back just so we can keep a record of those.","start":2749.025,"end":2755.4448,"sentiment":"neutral","sentiment_score":0.11792674660682678},{"text":"For us to be able to provide advice and update everything, we do have to have the ongoing service agreement signed and returned back.","start":2755.505,"end":2761.585,"sentiment":"neutral","sentiment_score":0.1652166365335385}],"sentiment":"neutral","sentiment_score":0.1600325403339935,"num_words":66,"start":2744.85,"end":2761.585},{"sentences":[{"text":"So feel free to run your eyes over them.","start":2761.585,"end":2763.56,"sentiment":"neutral","sentiment_score":0.18094254533449808},{"text":"And when you are comfortable, I'll get you to sign and return those back there for me as well.","start":2763.56,"end":2767.4001,"sentiment":"neutral","sentiment_score":0.1481214742127218},{"text":"Okay?","start":2767.4001,"end":2767.9001,"sentiment":"neutral","sentiment_score":0.0934867262840271},{"text":"Beautiful.","start":2769.96,"end":2770.46,"sentiment":"positive","sentiment_score":0.544437050819397},{"text":"No.","start":2785.645,"end":2785.885,"sentiment":"neutral","sentiment_score":-0.06163040176033974}],"sentiment":"neutral","sentiment_score":0.16190594494823488,"num_words":31,"start":2761.585,"end":2785.885},{"sentences":[{"text":"You're fine.","start":2785.885,"end":2786.7048,"sentiment":"neutral","sentiment_score":0.002058591693639756},{"text":"As I said, you do you.","start":2787.325,"end":2788.765,"sentiment":"neutral","sentiment_score":0.061445629224181175},{"text":"You speak your mind.","start":2788.765,"end":2789.645,"sentiment":"neutral","sentiment_score":0.057082969695329666},{"text":"You ask questions.","start":2789.645,"end":2790.525,"sentiment":"neutral","sentiment_score":0.06596590330203374},{"text":"I'm absolutely fine with it.","start":2790.525,"end":2792.22,"sentiment":"neutral","sentiment_score":0.20842936635017395}],"sentiment":"neutral","sentiment_score":0.09205836895853281,"num_words":20,"start":2785.885,"end":2792.22},{"sentences":[{"text":"Is that the Taxbot of OdooSign?","start":2834.205,"end":2837.105,"sentiment":"neutral","sentiment_score":0.013411548299094042},{"text":"Yep.","start":2838.285,"end":2838.785,"sentiment":"neutral","sentiment_score":0.039673905819654465},{"text":"That's the platform we use.","start":2839.0051,"end":2840.605,"sentiment":"neutral","sentiment_score":0.046415580064058305},{"text":"It's very much similar to DocuSign.","start":2840.605,"end":2842.865,"sentiment":"neutral","sentiment_score":0.05251134062806765},{"text":"Yep.","start":2847.7,"end":2848.2,"sentiment":"neutral","sentiment_score":-0.039416324347257614}],"sentiment":"neutral","sentiment_score":0.03304593765029782,"num_words":19,"start":2834.205,"end":2848.2},{"sentences":[{"text":"Is it just...","start":2849.14,"end":2850.0398,"sentiment":"neutral","sentiment_score":-0.013686194084584713},{"text":"If you click on it, it might be prepopulating a signature for you.","start":2850.18,"end":2854.3599,"sentiment":"neutral","sentiment_score":-0.04733072249935223},{"text":"And then it might ask you to...","start":2862.605,"end":2864.2852,"sentiment":"neutral","sentiment_score":-0.040898087567516735},{"text":"Often you need to click on this...","start":2864.2852,"end":2865.805,"sentiment":"neutral","sentiment_score":-0.027042679488658905},{"text":"The date section as well, and it should automatically update the date for you.","start":2865.805,"end":2870.305,"sentiment":"neutral","sentiment_score":0.0001094329303928784}],"sentiment":"neutral","sentiment_score":-0.025691165525296874,"num_words":44,"start":2849.14,"end":2870.305},{"sentences":[{"text":"Yes.","start":2907.94,"end":2908.42,"sentiment":"neutral","sentiment_score":0.03371599316596985},{"text":"Yeah.","start":2908.42,"end":2908.66,"sentiment":"neutral","sentiment_score":0.02931872382760048},{"text":"That's...","start":2908.66,"end":2909.16,"sentiment":"neutral","sentiment_score":0.020576395094394684},{"text":"Just letting you know that we hold that.","start":2909.22,"end":2911.4849,"sentiment":"neutral","sentiment_score":0.020142401452176273},{"text":"Yeah.","start":2911.945,"end":2912.445,"sentiment":"neutral","sentiment_score":0.03931579738855362}],"sentiment":"neutral","sentiment_score":0.0236721767578274,"num_words":12,"start":2907.94,"end":2912.445},{"sentences":[{"text":"Yep.","start":2913.2249,"end":2913.7249,"sentiment":"neutral","sentiment_score":0.03185291588306427},{"text":"Beautiful.","start":2915.785,"end":2916.285,"sentiment":"neutral","sentiment_score":0.2483585923910141},{"text":"No.","start":2934.52,"end":2934.76,"sentiment":"neutral","sentiment_score":-0.07395316660404205},{"text":"You're fine.","start":2934.76,"end":2935.58,"sentiment":"neutral","sentiment_score":-0.03706922009587288},{"text":"And it's come back to me.","start":2945.235,"end":2946.615,"sentiment":"neutral","sentiment_score":-0.011325175253053507}],"sentiment":"neutral","sentiment_score":0.005833531814542684,"num_words":11,"start":2913.2249,"end":2946.615},{"sentences":[{"text":"That's all being done there, James.","start":2950.195,"end":2951.9202,"sentiment":"neutral","sentiment_score":0.17152436077594757},{"text":"Thank you so much for that.","start":2951.9202,"end":2953.12,"sentiment":"positive","sentiment_score":0.6189111272493998},{"text":"I really appreciate it.","start":2953.12,"end":2954.5,"sentiment":"positive","sentiment_score":0.47049042396247387},{"text":"The last couple of things I just wanted to update are just your assets and liabilities that we had noted here.","start":2954.56,"end":2959.6802,"sentiment":"neutral","sentiment_score":0.006765767133661679},{"text":"Now your main primary residence, the value we had on that house last year was about 1,100,000.","start":2959.6802,"end":2966.1,"sentiment":"neutral","sentiment_score":0.00775360398213653}],"sentiment":"neutral","sentiment_score":0.12774938891676288,"num_words":54,"start":2950.195,"end":2966.1},{"sentences":[{"text":"What kind of value would you put on it now?","start":2966.435,"end":2968.455,"sentiment":"neutral","sentiment_score":-0.001859546359628439},{"text":"1.2?","start":2971.635,"end":2972.355,"sentiment":"neutral","sentiment_score":0.00011928798630833626},{"text":"Yep.","start":2972.355,"end":2972.755,"sentiment":"neutral","sentiment_score":0.09234603494405746},{"text":"Beautiful.","start":2972.755,"end":2973.255,"sentiment":"positive","sentiment_score":0.6353782415390015},{"text":"Fantastic.","start":2973.475,"end":2973.975,"sentiment":"positive","sentiment_score":0.7264461517333984}],"sentiment":"neutral","sentiment_score":0.10254958947189152,"num_words":14,"start":2966.435,"end":2973.975},{"sentences":[{"text":"Lovely.","start":2977.395,"end":2977.795,"sentiment":"positive","sentiment_score":0.6363644599914551},{"text":"And I had a Toyota Prado on here with an asset value of 40,000.","start":2977.795,"end":2982.84,"sentiment":"neutral","sentiment_score":0.07891272567212582},{"text":"Would you alter that value?","start":2982.9001,"end":2984.36,"sentiment":"neutral","sentiment_score":0.008350740000605584},{"text":"Yes.","start":2987.3,"end":2987.62,"sentiment":"neutral","sentiment_score":0.030598197132349014},{"text":"That's okay.","start":2987.62,"end":2988.36,"sentiment":"neutral","sentiment_score":0.058111684396862984}],"sentiment":"neutral","sentiment_score":0.08390077762305737,"num_words":23,"start":2977.395,"end":2988.36},{"sentences":[{"text":"I've also got a Ford Galaxy 1964 at 40,000.","start":2989.62,"end":2994.2449,"sentiment":"neutral","sentiment_score":0.027418320170707174},{"text":"What kind of value would you put on that currently?","start":2994.305,"end":2996.4849,"sentiment":"neutral","sentiment_score":0.0066489802673459055},{"text":"Yep.","start":2998.385,"end":2998.885,"sentiment":"neutral","sentiment_score":0.0821390375494957},{"text":"Beautiful.","start":2998.9448,"end":2999.4448,"sentiment":"neutral","sentiment_score":0.27137473225593567},{"text":"And then I've also got a 1971 x y Falcon Ute with 40,000 on it.","start":3000.2249,"end":3006.06,"sentiment":"neutral","sentiment_score":0.0798789344727993}],"sentiment":"neutral","sentiment_score":0.05180423530853457,"num_words":36,"start":2989.62,"end":3006.06},{"sentences":[{"text":"I've also got the Ford x y ute.","start":3010.1401,"end":3017.02,"sentiment":"neutral","sentiment_score":0.008921029046177864},{"text":"Yep.","start":3017.02,"end":3017.34,"sentiment":"neutral","sentiment_score":0.01704646274447441},{"text":"And that was a 35,000 value, the Ford x y 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okay.","start":3033.4749,"end":3034.295,"sentiment":"neutral","sentiment_score":-0.0853508934378624}],"sentiment":"neutral","sentiment_score":0.03495932433923537,"num_words":22,"start":3023.9548,"end":3034.295},{"sentences":[{"text":"No.","start":3037.0498,"end":3037.21,"sentiment":"neutral","sentiment_score":-0.0796109288930893},{"text":"That's okay.","start":3037.21,"end":3038.0298,"sentiment":"neutral","sentiment_score":-0.03592916904017329},{"text":"Yeah.","start":3039.8499,"end":3040.17,"sentiment":"neutral","sentiment_score":0.09494107961654664},{"text":"They're fantastic.","start":3040.17,"end":3040.89,"sentiment":"positive","sentiment_score":0.4237480014562607},{"text":"Actually, really cool cars.","start":3040.89,"end":3042.0898,"sentiment":"neutral","sentiment_score":0.30925586074590683}],"sentiment":"neutral","sentiment_score":0.20279912585392595,"num_words":10,"start":3037.0498,"end":3042.0898},{"sentences":[{"text":"Did you do them up?","start":3042.0898,"end":3043.0498,"sentiment":"neutral","sentiment_score":0.06653525158762932},{"text":"Is that kind of what you enjoy doing outside of work?","start":3043.0498,"end":3045.5298,"sentiment":"neutral","sentiment_score":0.0448955162004991},{"text":"Or Oh, awesome.","start":3045.5298,"end":3052.2852,"sentiment":"neutral","sentiment_score":0.13926251729329428},{"text":"Yeah.","start":3052.905,"end":3053.405,"sentiment":"neutral","sentiment_score":0.04274934157729149},{"text":"Yep.","start":3057.865,"end":3058.365,"sentiment":"neutral","sentiment_score":0.017143208533525467}],"sentiment":"neutral","sentiment_score":0.062105097054016026,"num_words":21,"start":3042.0898,"end":3058.365},{"sentences":[{"text":"Yeah.","start":3063.3,"end":3063.8,"sentiment":"neutral","sentiment_score":0.0304824598133564},{"text":"Mhmm.","start":3072.9,"end":3073.4,"sentiment":"neutral","sentiment_score":0.016406770795583725},{"text":"Oh, wow.","start":3073.54,"end":3074.3599,"sentiment":"neutral","sentiment_score":0.04943900182843208},{"text":"Yep.","start":3083.575,"end":3084.075,"sentiment":"neutral","sentiment_score":0.02212571352720261},{"text":"Beautiful.","start":3087.895,"end":3088.395,"sentiment":"neutral","sentiment_score":0.30767205357551575}],"sentiment":"neutral","sentiment_score":0.07926083356142044,"num_words":6,"start":3063.3,"end":3088.395},{"sentences":[{"text":"Yeah.","start":3097.27,"end":3097.77,"sentiment":"neutral","sentiment_score":0.06895852088928223},{"text":"No.","start":3097.83,"end":3098.07,"sentiment":"neutral","sentiment_score":0.1344001442193985},{"text":"That's fantastic.","start":3098.07,"end":3098.89,"sentiment":"positive","sentiment_score":0.3385729044675827},{"text":"That's excellent.","start":3099.1099,"end":3099.93,"sentiment":"neutral","sentiment_score":0.2946963757276535},{"text":"I've updated your income there now.","start":3101.125,"end":3103.145,"sentiment":"neutral","sentiment_score":0.010870475438423455}],"sentiment":"neutral","sentiment_score":0.1279266731774745,"num_words":12,"start":3097.27,"end":3103.145},{"sentences":[{"text":"Sorry.","start":3103.365,"end":3103.865,"sentiment":"neutral","sentiment_score":-0.049403153359889984},{"text":"I understand that.","start":3108.5652,"end":3109.685,"sentiment":"neutral","sentiment_score":0.028802587340275448},{"text":"Yeah.","start":3109.685,"end":3110.0051,"sentiment":"neutral","sentiment_score":0.06031512469053269},{"text":"Definitely.","start":3110.0051,"end":3110.5051,"sentiment":"neutral","sentiment_score":0.11604111641645432},{"text":"And income wise, now I noticed that you're not paying any additional contributions to super.","start":3112.98,"end":3118.1199,"sentiment":"neutral","sentiment_score":-0.03312682236234347}],"sentiment":"neutral","sentiment_score":-0.013501975507963272,"num_words":21,"start":3103.365,"end":3118.1199},{"sentences":[{"text":"Are you open to doing that to kinda help build your super, or you'd prefer not to?","start":3118.18,"end":3122.26,"sentiment":"neutral","sentiment_score":0.0028529453146107055},{"text":"How do you feel about those additional contributions?","start":3122.26,"end":3124.2,"sentiment":"neutral","sentiment_score":-0.024616096168756485},{"text":"Yep.","start":3132.885,"end":3133.205,"sentiment":"neutral","sentiment_score":0.10939735174179076},{"text":"That's absolutely fine.","start":3133.205,"end":3134.425,"sentiment":"neutral","sentiment_score":0.18440007666746774},{"text":"Once the house is paid off...","start":3134.885,"end":3136.5051,"sentiment":"neutral","sentiment_score":0.01815769448876381}],"sentiment":"neutral","sentiment_score":0.017803287133574486,"num_words":35,"start":3118.18,"end":3136.5051},{"sentences":[{"text":"That's okay.","start":3139.845,"end":3140.8298,"sentiment":"neutral","sentiment_score":0.20098627358675003},{"text":"I can revisit that down the track for you.","start":3140.8298,"end":3142.67,"sentiment":"neutral","sentiment_score":0.2611738244692485},{"text":"I'll put it down as a medium term goal, something we can revisit down the track.","start":3142.67,"end":3146.21,"sentiment":"neutral","sentiment_score":0.24907337129116058},{"text":"Easy.","start":3146.3499,"end":3146.8499,"sentiment":"neutral","sentiment_score":0.31511062383651733},{"text":"Beautiful.","start":3149.55,"end":3150.05,"sentiment":"positive","sentiment_score":0.597655713558197}],"sentiment":"neutral","sentiment_score":0.2638095601879317,"num_words":29,"start":3139.845,"end":3150.05},{"sentences":[{"text":"I also have down here that you have two financial dependents at home.","start":3150.75,"end":3154.195,"sentiment":"neutral","sentiment_score":0.22679152970130628},{"text":"So two kids still living at home.","start":3154.195,"end":3155.795,"sentiment":"neutral","sentiment_score":0.1593132402215685},{"text":"Is that right?","start":3155.795,"end":3156.615,"sentiment":"neutral","sentiment_score":0.1688599238793055},{"text":"Yep.","start":3158.355,"end":3158.755,"sentiment":"neutral","sentiment_score":0.2096194624900818},{"text":"Beautiful.","start":3158.755,"end":3159.255,"sentiment":"positive","sentiment_score":0.531938910484314}],"sentiment":"neutral","sentiment_score":0.21246482849121093,"num_words":25,"start":3150.75,"end":3159.255},{"sentences":[{"text":"And I've got Heather down as your next of kin.","start":3159.955,"end":3162.115,"sentiment":"positive","sentiment_score":0.39385744035243986},{"text":"I've also got her noted as your beneficiary for your life insurance and your super.","start":3162.115,"end":3166.17,"sentiment":"positive","sentiment_score":0.37696768442789713},{"text":"You're still happy with that a 100% order, Heather?","start":3166.17,"end":3168.75,"sentiment":"positive","sentiment_score":0.488682273361418},{"text":"Yep.","start":3170.49,"end":3170.73,"sentiment":"neutral","sentiment_score":0.08785506337881088},{"text":"Beautiful.","start":3170.73,"end":3171.23,"sentiment":"neutral","sentiment_score":0.2711161971092224}],"sentiment":"positive","sentiment_score":0.39861670529676807,"num_words":36,"start":3159.955,"end":3171.23},{"sentences":[{"text":"The other thing I've got noted here is that you don't have a will or power of attorney.","start":3171.6099,"end":3175.21,"sentiment":"neutral","sentiment_score":0.00009023889692293292},{"text":"Is that something you guys have discussed in the past?","start":3175.21,"end":3177.55,"sentiment":"neutral","sentiment_score":0.019757401943206788},{"text":"Yep.","start":3179.445,"end":3179.945,"sentiment":"neutral","sentiment_score":0.021046197041869164},{"text":"Have you kinda talked about getting one done or seeking the services of a solicitor, or is it just on the list to do down the track?","start":3180.165,"end":3186.585,"sentiment":"neutral","sentiment_score":0.03931960463523865},{"text":"On the list.","start":3188.165,"end":3188.885,"sentiment":"neutral","sentiment_score":0.10110132147868474}],"sentiment":"neutral","sentiment_score":0.026867420444170297,"num_words":59,"start":3171.6099,"end":3188.885},{"sentences":[{"text":"Beautiful.","start":3188.885,"end":3189.385,"sentiment":"positive","sentiment_score":0.5348259806632996},{"text":"We'll make that for you.","start":3189.5251,"end":3190.965,"sentiment":"positive","sentiment_score":0.5313503086566925},{"text":"Excellent.","start":3190.965,"end":3191.465,"sentiment":"positive","sentiment_score":0.4893853962421417},{"text":"And so any other goals down the track that you might be looking 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through.","start":3210.525,"end":3212.4448,"sentiment":"neutral","sentiment_score":0.2490135452577046}],"sentiment":"neutral","sentiment_score":0.19530812464654446,"num_words":18,"start":3202.96,"end":3212.4448},{"sentences":[{"text":"I really appreciate you taking the time again.","start":3212.4448,"end":3214.6848,"sentiment":"positive","sentiment_score":0.5326822213828564},{"text":"I'm very sorry that I didn't call you late.","start":3214.6848,"end":3216.4448,"sentiment":"neutral","sentiment_score":-0.1719476870364613},{"text":"It's not my preference at all, but wanna make sure that everyone gets the best they can out of their review.","start":3216.4448,"end":3221.26,"sentiment":"neutral","sentiment_score":0.13671380352406276},{"text":"Is there anything that I maybe haven't touched on that you wanted to ask or discuss with me, or do you have any questions in relation to anything I've gone through with you at all?","start":3221.32,"end":3229.42,"sentiment":"neutral","sentiment_score":0.07462015955575875},{"text":"Yeah.","start":3232.04,"end":3232.54,"sentiment":"neutral","sentiment_score":0.1947675198316574}],"sentiment":"neutral","sentiment_score":0.11339718332463825,"num_words":74,"start":3212.4448,"end":3232.54},{"sentences":[{"text":"Beautiful.","start":3232.895,"end":3233.395,"sentiment":"positive","sentiment_score":0.6167834401130676},{"text":"Well, what I'd like to do now is just book you in for...","start":3233.535,"end":3235.615,"sentiment":"neutral","sentiment_score":0.08827269593110451},{"text":"In a couple of weeks to go back and review the advice document after I've done the research.","start":3235.615,"end":3239.795,"sentiment":"neutral","sentiment_score":0.013236703797398755},{"text":"Is there a day or time that normally suits you best?","start":3240.4949,"end":3243.2349,"sentiment":"neutral","sentiment_score":-0.024792031808332962},{"text":"Yeah.","start":3246.74,"end":3247.0598,"sentiment":"neutral","sentiment_score":0.0927603840827942}],"sentiment":"neutral","sentiment_score":0.0414235724945849,"num_words":44,"start":3232.895,"end":3247.0598},{"sentences":[{"text":"Beautiful.","start":3247.0598,"end":3247.5598,"sentiment":"positive","sentiment_score":0.46862709522247314},{"text":"Is sort of this time of the afternoon, that's sort of 04:30 suited to you?","start":3247.6199,"end":3252.1199,"sentiment":"neutral","sentiment_score":0.07565660228331884},{"text":"Yep.","start":3254.66,"end":3255.14,"sentiment":"neutral","sentiment_score":0.14381994307041168},{"text":"Perfect.","start":3255.14,"end":3255.64,"sentiment":"positive","sentiment_score":0.3963763117790222},{"text":"So if we go to three, the week of the October 29, I do have availability.","start":3255.8599,"end":3263.065,"sentiment":"neutral","sentiment_score":0.10493844654411077}],"sentiment":"neutral","sentiment_score":0.11243198614786654,"num_words":34,"start":3247.0598,"end":3263.065},{"sentences":[{"text":"The same time is today if you like.","start":3263.925,"end":3265.525,"sentiment":"neutral","sentiment_score":0.08967328164726496},{"text":"So it's 04:30 my time, which is 05:30 your time.","start":3265.525,"end":3268.825,"sentiment":"neutral","sentiment_score":0.05429719164967537},{"text":"Would that be okay for me to book you in then to go through your advice document?","start":3269.205,"end":3272.825,"sentiment":"neutral","sentiment_score":0.07797619481297101},{"text":"Beautiful.","start":3275.5,"end":3276.0,"sentiment":"positive","sentiment_score":0.6143677830696106},{"text":"I'll put statement of advice there.","start":3276.06,"end":3277.74,"sentiment":"positive","sentiment_score":0.4372883339722951}],"sentiment":"neutral","sentiment_score":0.13866788734282767,"num_words":42,"start":3263.925,"end":3277.74},{"sentences":[{"text":"I'll add a text message reminder so it sends you a message an hour prior.","start":3277.74,"end":3281.28,"sentiment":"neutral","sentiment_score":0.2584047516187032},{"text":"If anything comes up, please let me know.","start":3281.4202,"end":3283.26,"sentiment":"neutral","sentiment_score":0.14933978952467442},{"text":"But I'll get the research and have the advice document ready to go then.","start":3283.26,"end":3286.3801,"sentiment":"neutral","sentiment_score":0.287150933274201},{"text":"We can go through that together.","start":3286.3801,"end":3287.74,"sentiment":"neutral","sentiment_score":0.2985814039905866},{"text":"How does that sound?","start":3287.74,"end":3288.8,"sentiment":"neutral","sentiment_score":0.2243233360350132}],"sentiment":"neutral","sentiment_score":0.25063158349787934,"num_words":47,"start":3277.74,"end":3288.8},{"sentences":[{"text":"Beautiful.","start":3290.805,"end":3291.2048,"sentiment":"positive","sentiment_score":0.6996045112609863},{"text":"Look.","start":3291.2048,"end":3291.525,"sentiment":"positive","sentiment_score":0.6520118713378906},{"text":"Thank you so much for your time.","start":3291.525,"end":3292.645,"sentiment":"positive","sentiment_score":0.855846813746861},{"text":"It's been a pleasure.","start":3292.645,"end":3293.525,"sentiment":"positive","sentiment_score":0.9025701731443405},{"text":"I hope you have a good rest of your week.","start":3293.525,"end":3295.4648,"sentiment":"positive","sentiment_score":0.7989463746547699}],"sentiment":"positive","sentiment_score":0.8235777616500854,"num_words":23,"start":3290.805,"end":3295.4648},{"sentences":[{"text":"Thanks.","start":3297.4448,"end":3297.9448,"sentiment":"positive","sentiment_score":0.7117493748664856},{"text":"You too.","start":3298.325,"end":3298.805,"sentiment":"neutral","sentiment_score":0.3324093520641327},{"text":"Thanks, James.","start":3298.805,"end":3299.4448,"sentiment":"positive","sentiment_score":0.48431816697120667},{"text":"I'll talk to you soon.","start":3299.4448,"end":3300.585,"sentiment":"positive","sentiment_score":0.35316603183746337},{"text":"See you later.","start":3302.085,"end":3302.7249,"sentiment":"neutral","sentiment_score":0.20057905713717142}],"sentiment":"positive","sentiment_score":0.36252090334892273,"num_words":13,"start":3297.4448,"end":3302.7249},{"sentences":[{"text":"Bye.","start":3302.7249,"end":3303.2249,"sentiment":"neutral","sentiment_score":0.19140511751174927}],"sentiment":"neutral","sentiment_score":0.19140511751174927,"num_words":1,"start":3302.7249,"end":3303.2249}]}}]},{"alternatives":[{"transcript":"Hello? Great. How are you doing? Oh, don't worry. I had two phone calls to, you know, say you're running late. They said how slack you were and... Yeah. No. They did not get in. Oh. Nick. Can you ring up and cover for me, please? No. It's all good. I totally get it. Uh-oh. This could be bad. That's not a worry. You might use it as training in how to deal with an idiot. That's fine. James Allen Keith Brown. Thirteenth and the ninth nineteen seventy six. 4 Glibbe Cove, Appen, New South Wales 2560. I don't know what else you need to know. Yeah. Yes. Yes. Oh, I've had a big got here. No. No. No yet. No. Okay. Oh, okay. Here we go. I'm just gonna find where the document is. Yep. Yep. Yep. Yeah. Okay. Jeez. Okay. You're gonna bump me off. Yeah. Okay. Yep. It's really good because I haven't actually looked at it lately. I only got back from Bali in Thursday last week, so I'm sorta, yeah, still out of it. 60 3,000. It has. It's up to that $1.40 now, something like that. Yeah. Yeah. It's... I don't know. I haven't thought about it that way, but... Sorry to sound like that. But... Yeah. Alright. Excellent. I suppose for now. Yeah. Yep. Where is that one? Sorry. TPD. Oh, temporary permanent disability. Yep. Yeah. Let's say... How'd you... Hang on. How'd you get the 1.2 mil? Oh, yeah. Sorry. Yep. Yep. Sorry. Yeah. I see it. Yeah. Wrong one. Sorry. Max went out the window. That's fine for now, I think. Okay. Yep. Yep. No. No. K. Keep it. Well, it makes sense. What's the trauma cover? Alright. Yep. Yep. Okay. Alright. Yep. Yep. Yes, please. Okay. Yep. Not an issue. Next document. Come on. It's it's a blank page. You beauty. It's just a blank page. Come on. Hang on. Alright. That's page one. Page two. Alright. There we go. Yep. Hello. Hello. So hi. So they're more a long term goal, not a short term... Yeah. Alright. Okay. Yeah. Could... I don't know. Yeah. If if we can. Yeah. Right. Yep. No. Probably a pass either. Yeah. Yep. So pretty much get rid of them now before the bum falls out of them. Sorry to put on my cat. I was gonna say something else, but no. Yeah. No. Yeah. Do that. Apologies. I'm in construction. So it's like... No. It's all good. Okay. Hang on. You just said the bank coverage to get rid of them. You said... Yeah. Alright. Pick you up on one then. That's one. I I told you how to deal with an idiot. Yeah. Okay. Yep. Right. Yep. Yep. Only... Oh, the physical gold one. Yeah. Income in period zero. What the hell? Oh, okay. Yep. Okay. Okay. Yep. I'm just seeing a big zero in the middle. I'm like, what the... Yeah. Okay. Why? Tell me why. No. No. It makes sense because it doesn't actually do anything. It just sits there and... Yeah. Okay. Yep. Alright. Right. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Please. Not really. No. I think it's still still doing better than SeaBus. Sorry to say that, but... Thank god. Index chart. Hang on. Sorry. Oh, yes. Sorry. Yep. On the re... Yep. Just a little bit. Yep. What is it? 07/08/2009. That was a Boom. Yeah. Okay. Yep. $50, you're kidding, aren't you? I've been in Bali. $5 for a shirt. That's it. Sorry. And you wanna sell it? Yep. Yep. 50. Fifty. 50. The way I'm feeling 50. Sorry. I... Probably 50... Sorry. Not 60, 65, something like that. U 60 for now. I don't know. I don't know. Sorry to sound like that. I don't know. Probably moderate ish. Yeah. Maybe. Yep. I'd probably probably middle call call just to double check, find out. Yeah. Probably borrowed to say of the property. Yep. Yep. Yep. Yep. Not returning as is. No. Oh god. My Internet's just gone stupid on me. Sorry. Hang on. IP services. Consent. Okay. I... No. Not right now. Yep. Pass that fee, $6 per annum. It is what it is. Pay more in CBUS. I know that one. Sorry. Sorry. My phone is checking that absolute wobbly right now. Signature. Okay. It's not letting me do it. Excellent. Oh, there we go. What is this one? What's Odus? Odus one. Yeah. It's already got a signature in there. It's not mine. Don't allow me to do anything. Oops. If I said draw... Oh, god. That might be smarter. So date section. This phone's gonna go into airplane mode and fly. Right. That's next document. Option to provide tax file number. You already got that. 353 90 2 282. Yep. Signature. Done. Date. Date's in there. Fine. Now what date? Come on. Fine. Sorry. Okay. Probably 1.2 ish. Yeah. It's probably gone down to 30, but... Yeah. Yeah. Yeah. What else did I put down? The other one. Yeah. The other one. Yep. Yep. Not mine. No. I can't find them. No. They're enough, aren't they? Galaxy was my grandfather's that he bought very new. So that's never been sold outside the family. So that's... Yeah. I've grown up with that one, literally. And the ute, the $40,000 ute is... I bought that when I was an apprentice. So I've just kept it as a toy. My grandmother gave me money to buy something so I went and bought that. So it sorta... Yeah. And then the other one I just picked up and I just, you know, toy with that one or just working on it, playing with it. Yeah. If Heather sold all them she'd be... If Heather sold all them, she'd be debt free. Yeah. Yeah. I'd like to once the house is paid off. Because, like... Yeah. Yep. Okay. Yes. Yep. Yes. It's on the list. Not... No. No. I think we've sorted it, covered it. Yeah. No. It's normally alright. Yeah. Anytime. Yeah. Yep. Not a worry. Thank you. You have a good one too. Okay. Bye. You're so good, though? Yes. 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Great. How are you doing? Oh, don't worry. I had two phone calls to, you know, say you're running late.\n\nThey said how slack you were and... Yeah. No. They did not get in. Oh.\n\nNick. Can you ring up and cover for me, please? No. It's all good. I totally get it.\n\nUh-oh. This could be bad. That's not a worry. You might use it as training in how to deal with an idiot. That's fine.\n\nJames Allen Keith Brown. Thirteenth and the ninth nineteen seventy six. 4 Glibbe Cove, Appen, New South Wales 2560. I don't know what else you need to know. Yeah.\n\nYes. Yes. Oh, I've had a big got here. No. No.\n\nNo yet. No. Okay. Oh, okay. Here we go.\n\nI'm just gonna find where the document is. Yep. Yep. Yep. Yeah.\n\nOkay. Jeez. Okay. You're gonna bump me off. Yeah.\n\nOkay. Yep. It's really good because I haven't actually looked at it lately. I only got back from Bali in Thursday last week, so I'm sorta, yeah, still out of it. 60 3,000.\n\nIt has. It's up to that $1.40 now, something like that. Yeah. Yeah. It's...\n\nI don't know. I haven't thought about it that way, but... Sorry to sound like that. But... Yeah.\n\nAlright. Excellent. I suppose for now. Yeah. Yep.\n\nWhere is that one? Sorry. TPD. Oh, temporary permanent disability. Yep.\n\nYeah. Let's say... How'd you... Hang on. How'd you get the 1.2 mil?\n\nOh, yeah. Sorry. Yep. Yep. Sorry.\n\nYeah. I see it. Yeah. Wrong one. Sorry.\n\nMax went out the window. That's fine for now, I think. Okay. Yep. Yep.\n\nNo. No. K. Keep it. Well, it makes sense.\n\nWhat's the trauma cover? Alright. Yep. Yep. Okay.\n\nAlright. Yep. Yep. Yes, please. Okay.\n\nYep. Not an issue. Next document. Come on. It's it's a blank page.\n\nYou beauty. It's just a blank page. Come on. Hang on. Alright.\n\nThat's page one. Page two. Alright. There we go. Yep.\n\nHello. Hello. So hi. So they're more a long term goal, not a short term... Yeah.\n\nAlright. Okay. Yeah. Could... I don't know.\n\nYeah. If if we can. Yeah. Right. Yep.\n\nNo. Probably a pass either. Yeah. Yep. So pretty much get rid of them now before the bum falls out of them.\n\nSorry to put on my cat. I was gonna say something else, but no. Yeah. No. Yeah.\n\nDo that. Apologies. I'm in construction. So it's like... No.\n\nIt's all good. Okay. Hang on. You just said the bank coverage to get rid of them. You said...\n\nYeah. Alright. Pick you up on one then. That's one. I I told you how to deal with an idiot.\n\nYeah. Okay. Yep. Right. Yep.\n\nYep. Only... Oh, the physical gold one. Yeah. Income in period zero.\n\nWhat the hell? Oh, okay. Yep. Okay. Okay.\n\nYep. I'm just seeing a big zero in the middle. I'm like, what the... Yeah. Okay.\n\nWhy? Tell me why. No. No. It makes sense because it doesn't actually do anything.\n\nIt just sits there and... Yeah. Okay. Yep. Alright.\n\nRight. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Please. Not really.\n\nNo. I think it's still still doing better than SeaBus. Sorry to say that, but... Thank god. Index chart.\n\nHang on. Sorry. Oh, yes. Sorry. Yep.\n\nOn the re... Yep. Just a little bit. Yep. What is it?\n\n07/08/2009. That was a Boom. Yeah. Okay. Yep.\n\n$50, you're kidding, aren't you? I've been in Bali. $5 for a shirt. That's it. Sorry.\n\nAnd you wanna sell it? Yep. Yep. 50. Fifty.\n\n50. The way I'm feeling 50. Sorry. I... Probably 50...\n\nSorry. Not 60, 65, something like that. U 60 for now. I don't know. I don't know.\n\nSorry to sound like that. I don't know. Probably moderate ish. Yeah. Maybe.\n\nYep. I'd probably probably middle call call just to double check, find out. Yeah. Probably borrowed to say of the property. Yep.\n\nYep. Yep. Yep. Not returning as is. No.\n\nOh god. My Internet's just gone stupid on me. Sorry. Hang on. IP services.\n\nConsent. Okay. I... No. Not right now.\n\nYep. Pass that fee, $6 per annum. It is what it is. Pay more in CBUS. I know that one.\n\nSorry. Sorry. My phone is checking that absolute wobbly right now. Signature. Okay.\n\nIt's not letting me do it. Excellent. Oh, there we go. What is this one? What's Odus?\n\nOdus one. Yeah. It's already got a signature in there. It's not mine. Don't allow me to do anything.\n\nOops. If I said draw... Oh, god. That might be smarter. So date section.\n\nThis phone's gonna go into airplane mode and fly. Right. That's next document. Option to provide tax file number. You already got that.\n\n353 90 2 282. Yep. Signature. Done. Date.\n\nDate's in there. Fine. Now what date? Come on. Fine.\n\nSorry. Okay. Probably 1.2 ish. Yeah. It's probably gone down to 30, but...\n\nYeah. Yeah. Yeah. What else did I put down? The other one.\n\nYeah. The other one. Yep. Yep. Not mine.\n\nNo. I can't find them. No. They're enough, aren't they? Galaxy was my grandfather's that he bought very new.\n\nSo that's never been sold outside the family. So that's... Yeah. I've grown up with that one, literally. And the ute, the $40,000 ute is...\n\nI bought that when I was an apprentice. So I've just kept it as a toy. My grandmother gave me money to buy something so I went and bought that. So it sorta... Yeah.\n\nAnd then the other one I just picked up and I just, you know, toy with that one or just working on it, playing with it. Yeah. If Heather sold all them she'd be... If Heather sold all them, she'd be debt free. Yeah.\n\nYeah. I'd like to once the house is paid off. Because, like... Yeah. Yep.\n\nOkay. Yes. Yep. Yes. It's on the list.\n\nNot... No. No. I think we've sorted it, covered it. Yeah.\n\nNo. It's normally alright. Yeah. Anytime. Yeah.\n\nYep. Not a worry. Thank you. You have a good one too. Okay.\n\nBye. You're so good, though? Yes. 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there.","start":2920.55,"end":2921.51,"sentiment":"neutral","sentiment_score":0.13411024461189905},{"text":"Fine.","start":2921.51,"end":2922.01,"sentiment":"neutral","sentiment_score":0.05026128143072128},{"text":"Now what date?","start":2922.87,"end":2923.77,"sentiment":"neutral","sentiment_score":0.01902668426434199},{"text":"Come on.","start":2929.505,"end":2930.145,"sentiment":"neutral","sentiment_score":0.011366240680217743},{"text":"Fine.","start":2930.145,"end":2930.645,"sentiment":"neutral","sentiment_score":0.01732013002038002}],"sentiment":"neutral","sentiment_score":0.05497246794402599,"num_words":10,"start":2920.55,"end":2930.645},{"sentences":[{"text":"Sorry.","start":2933.265,"end":2933.765,"sentiment":"neutral","sentiment_score":-0.0487804114818573},{"text":"Okay.","start":2950.1099,"end":2950.6099,"sentiment":"neutral","sentiment_score":0.11236228048801422},{"text":"Probably 1.2 ish.","start":2968.97,"end":2971.7898,"sentiment":"neutral","sentiment_score":-0.004833784808094303},{"text":"Yeah.","start":2972.25,"end":2972.75,"sentiment":"neutral","sentiment_score":0.027961641550064087},{"text":"It's probably gone down to 30, but...","start":2984.815,"end":2986.6548,"sentiment":"neutral","sentiment_score":-0.007883840573153325}],"sentiment":"neutral","sentiment_score":0.00168117477845114,"num_words":13,"start":2933.265,"end":2986.6548},{"sentences":[{"text":"Yeah.","start":2986.6548,"end":2987.1548,"sentiment":"neutral","sentiment_score":0.017919592559337616},{"text":"Yeah.","start":2994.99,"end":2995.49,"sentiment":"neutral","sentiment_score":0.011227669194340706},{"text":"Yeah.","start":3007.665,"end":3007.905,"sentiment":"neutral","sentiment_score":0.024554993957281113},{"text":"What else did I put down?","start":3007.905,"end":3009.365,"sentiment":"neutral","sentiment_score":0.008941890904679894},{"text":"The other one.","start":3014.705,"end":3015.185,"sentiment":"neutral","sentiment_score":-0.0016568610444664955}],"sentiment":"neutral","sentiment_score":0.00853191816713661,"num_words":12,"start":2986.6548,"end":3015.185},{"sentences":[{"text":"Yeah.","start":3015.185,"end":3015.425,"sentiment":"neutral","sentiment_score":0.007009992841631174},{"text":"The other one.","start":3015.425,"end":3016.065,"sentiment":"neutral","sentiment_score":0.006333479347328345},{"text":"Yep.","start":3016.065,"end":3016.565,"sentiment":"neutral","sentiment_score":0.015267102979123592},{"text":"Yep.","start":3021.825,"end":3022.26,"sentiment":"neutral","sentiment_score":0.05072489380836487},{"text":"Not mine.","start":3031.06,"end":3031.8801,"sentiment":"neutral","sentiment_score":-0.03688307665288448}],"sentiment":"neutral","sentiment_score":0.002279534295666963,"num_words":8,"start":3015.185,"end":3031.8801},{"sentences":[{"text":"No.","start":3032.18,"end":3032.68,"sentiment":"neutral","sentiment_score":-0.0555444061756134},{"text":"I can't find them.","start":3034.66,"end":3035.7,"sentiment":"neutral","sentiment_score":-0.12375700287520885},{"text":"No.","start":3035.7,"end":3036.2,"sentiment":"neutral","sentiment_score":-0.06550689041614532},{"text":"They're enough, aren't they?","start":3036.74,"end":3037.785,"sentiment":"neutral","sentiment_score":-0.04546845518052578},{"text":"Galaxy was my grandfather's that he bought very new.","start":3048.9849,"end":3052.43,"sentiment":"neutral","sentiment_score":0.06580732359240453}],"sentiment":"neutral","sentiment_score":-0.010825642972792449,"num_words":19,"start":3032.18,"end":3052.43},{"sentences":[{"text":"So that's never been sold outside the family.","start":3054.01,"end":3057.39,"sentiment":"neutral","sentiment_score":0.013971652602776885},{"text":"So that's...","start":3058.49,"end":3059.31,"sentiment":"neutral","sentiment_score":0.010991614311933517},{"text":"Yeah.","start":3060.25,"end":3060.75,"sentiment":"neutral","sentiment_score":0.021598149091005325},{"text":"I've grown up with that one, literally.","start":3060.97,"end":3062.59,"sentiment":"neutral","sentiment_score":0.03969887484397207},{"text":"And the ute, the $40,000 ute is...","start":3064.3452,"end":3070.925,"sentiment":"neutral","sentiment_score":0.020866354129144123}],"sentiment":"neutral","sentiment_score":0.023172448053956032,"num_words":25,"start":3054.01,"end":3070.925},{"sentences":[{"text":"I bought that when I was an apprentice.","start":3070.985,"end":3072.6052,"sentiment":"neutral","sentiment_score":0.013247103663161397},{"text":"So I've just kept it as a toy.","start":3074.905,"end":3078.125,"sentiment":"neutral","sentiment_score":0.043031011475250125},{"text":"My grandmother gave me money to buy something so I went and bought that.","start":3079.45,"end":3084.1702,"sentiment":"neutral","sentiment_score":0.025637591257691383},{"text":"So it sorta...","start":3084.1702,"end":3085.07,"sentiment":"neutral","sentiment_score":0.016123042752345402},{"text":"Yeah.","start":3086.09,"end":3086.59,"sentiment":"neutral","sentiment_score":0.12868446111679077}],"sentiment":"neutral","sentiment_score":0.02900602317908231,"num_words":34,"start":3070.985,"end":3086.59},{"sentences":[{"text":"And then the other one I just picked up and I just, you know, toy with that one or just working on it, playing with it.","start":3088.8901,"end":3096.0652,"sentiment":"neutral","sentiment_score":0.13002048232234442},{"text":"Yeah.","start":3096.0652,"end":3096.5652,"sentiment":"neutral","sentiment_score":0.07498325407505035},{"text":"If Heather sold all them she'd be...","start":3102.5452,"end":3104.71,"sentiment":"neutral","sentiment_score":-0.028024351091257164},{"text":"If Heather sold all them, she'd be debt free.","start":3104.71,"end":3106.6301,"sentiment":"neutral","sentiment_score":-0.03688447322282526},{"text":"Yeah.","start":3106.6301,"end":3107.1301,"sentiment":"neutral","sentiment_score":0.010574624873697758}],"sentiment":"neutral","sentiment_score":0.0667718114246699,"num_words":44,"start":3088.8901,"end":3107.1301},{"sentences":[{"text":"Yeah.","start":3107.75,"end":3108.25,"sentiment":"neutral","sentiment_score":0.01931244321167469},{"text":"I'd like to once the house is paid off.","start":3129.295,"end":3132.515,"sentiment":"neutral","sentiment_score":0.01246131956577301},{"text":"Because, like...","start":3135.38,"end":3138.44,"sentiment":"neutral","sentiment_score":0.012085968628525734},{"text":"Yeah.","start":3138.5,"end":3139.0,"sentiment":"neutral","sentiment_score":0.1220598965883255},{"text":"Yep.","start":3147.105,"end":3147.605,"sentiment":"neutral","sentiment_score":0.21160034835338593}],"sentiment":"neutral","sentiment_score":0.0349497501073139,"num_words":14,"start":3107.75,"end":3147.605},{"sentences":[{"text":"Okay.","start":3148.145,"end":3148.645,"sentiment":"positive","sentiment_score":0.33394426107406616},{"text":"Yes.","start":3157.0251,"end":3157.5251,"sentiment":"neutral","sentiment_score":0.15105777978897095},{"text":"Yep.","start":3169.35,"end":3169.85,"sentiment":"neutral","sentiment_score":0.07019191980361938},{"text":"Yes.","start":3178.105,"end":3178.605,"sentiment":"neutral","sentiment_score":0.022539172321558},{"text":"It's on the list.","start":3186.71,"end":3187.93,"sentiment":"neutral","sentiment_score":0.04921000264585018}],"sentiment":"neutral","sentiment_score":0.0968216429464519,"num_words":8,"start":3148.145,"end":3187.93},{"sentences":[{"text":"Not...","start":3200.0698,"end":3200.5698,"sentiment":"neutral","sentiment_score":-0.011942620389163494},{"text":"No.","start":3201.5898,"end":3202.0898,"sentiment":"neutral","sentiment_score":-0.0352620854973793},{"text":"No.","start":3229.755,"end":3229.9148,"sentiment":"neutral","sentiment_score":-0.058901987969875336},{"text":"I think we've sorted it, covered it.","start":3229.9148,"end":3231.835,"sentiment":"neutral","sentiment_score":0.11057719588279724},{"text":"Yeah.","start":3231.835,"end":3232.335,"sentiment":"neutral","sentiment_score":0.11974027007818222}],"sentiment":"neutral","sentiment_score":0.07160672249103134,"num_words":11,"start":3200.0698,"end":3232.335},{"sentences":[{"text":"No.","start":3241.86,"end":3242.36,"sentiment":"neutral","sentiment_score":-0.07381439208984375},{"text":"It's normally alright.","start":3243.3,"end":3248.6,"sentiment":"neutral","sentiment_score":0.051165819788972534},{"text":"Yeah.","start":3250.5,"end":3251.0,"sentiment":"neutral","sentiment_score":0.05436870828270912},{"text":"Anytime.","start":3252.9001,"end":3253.4001,"sentiment":"neutral","sentiment_score":0.05105800926685333},{"text":"Yeah.","start":3253.62,"end":3254.12,"sentiment":"neutral","sentiment_score":0.07738753408193588}],"sentiment":"neutral","sentiment_score":0.037499616986938884,"num_words":7,"start":3241.86,"end":3254.12},{"sentences":[{"text":"Yep.","start":3275.43,"end":3275.93,"sentiment":"neutral","sentiment_score":0.22110305726528168},{"text":"Not a worry.","start":3289.0652,"end":3289.965,"sentiment":"neutral","sentiment_score":0.28918643792470294},{"text":"Thank you.","start":3295.8909,"end":3296.7107,"sentiment":"positive","sentiment_score":0.7579782009124756},{"text":"You have a good one too.","start":3296.7708,"end":3298.0708,"sentiment":"positive","sentiment_score":0.6881791949272156},{"text":"Okay.","start":3300.7708,"end":3301.2507,"sentiment":"neutral","sentiment_score":0.15542364120483398}],"sentiment":"positive","sentiment_score":0.5299321218178823,"num_words":13,"start":3275.43,"end":3301.2507},{"sentences":[{"text":"Bye.","start":3301.2507,"end":3301.7507,"sentiment":"neutral","sentiment_score":0.18538980185985565},{"text":"You're so good, though?","start":3302.451,"end":3303.651,"sentiment":"neutral","sentiment_score":0.2063090018928051},{"text":"Yes.","start":3303.651,"end":3304.151,"sentiment":"neutral","sentiment_score":0.12952807545661926},{"text":"Yes.","start":3304.2107,"end":3304.656,"sentiment":"neutral","sentiment_score":-0.08702263236045837}],"sentiment":"neutral","sentiment_score":0.15044732178960527,"num_words":7,"start":3301.2507,"end":3304.656}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, James. It's Dana from Oku Financial. How are you this afternoon?\n\nChannel 1: Great. How are you doing?\n\nChannel 0: I'm very well. Thank you. Firstly, I would like to apologize. I'm so very sorry. My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize.\n\nIt's not at all what I wanted to happen.\n\nChannel 1: Oh, don't worry. I had two phone calls to, you know, say you're running late.\n\nChannel 0: Oh, thank you. I'm so glad the team did that. It's all good. But, no, honestly, I do apologize. It's not preferred at all.\n\nChannel 1: They\n\nChannel 0: Just...\n\nChannel 1: said how slack you were and...\n\nChannel 0: Oh, of\n\nChannel 1: Yeah.\n\nChannel 0: course, they have.\n\nChannel 1: No. They did not get in.\n\nChannel 0: Sounds about right. No. Honestly,\n\nChannel 1: Oh.\n\nChannel 0: it's all good. No. No. Honestly, the team here are fantastic and lovely, and I will message them to say I'm running a little bit late. Sorry, guys.\n\nCan you just follow-up? And they were more than happy to do so for me. So, again, I apologize. I'd like to make sure I'm on time\n\nChannel 1: Nick.\n\nChannel 0: for everybody, but also wanna make sure that everyone gets, you know, the attention that they deserve as well. So I do apologize for running over in those last couple of calls there.\n\nChannel 1: Can you ring up and cover for me, please? No. It's all good. I totally\n\nChannel 0: All good.\n\nChannel 1: get it.\n\nChannel 0: Fantastic. Thank you so much for that. James, so we're going through your annual review today, and I've had a bit of a look at things. There's definitely some advice I wanted to sort of look at doing to update things for you there. Before I jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that?\n\nChannel 1: Uh-oh. This could be bad. That's not a worry. You might use it as training in how to deal with an idiot.\n\nChannel 0: No. Never. Never. Absolutely\n\nChannel 1: That's\n\nChannel 0: not.\n\nChannel 1: fine.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well, I am discussing your personal information. So just to confirm your full name, your date of birth, and address that I should have on file here for you.\n\nChannel 1: James Allen Keith Brown. Thirteenth and\n\nChannel 0: Yep.\n\nChannel 1: the ninth nineteen seventy six. 4 Glibbe\n\nChannel 0: Yep.\n\nChannel 1: Cove, Appen, New South Wales 2560.\n\nChannel 0: Beautiful.\n\nChannel 1: I don't know what else you need to know. Yeah.\n\nChannel 0: That's everything. You've done great. Thank you so much for that. All good. Now part of the annual review is I do send through some annual review documents, some some client compliance documents, sorry, for you to go through with me just so you can see the things that I'm talking about.\n\nAre you able to access your emails there at the moment at all? If you can't, it's okay.\n\nChannel 1: Yes.\n\nChannel 0: Yeah?\n\nChannel 1: Yes.\n\nChannel 0: Okay. I'm just sending through the documents via Odoo sign now for you. Hopefully, it pops through fairly quickly. Technology isn't always on our side.\n\nChannel 1: Oh, I've had a big got here.\n\nChannel 0: And that should come through from Odoo Sign, and I believe it also comes through from Dana Taylor, which is me.\n\nChannel 1: No. No. No yet. No. Okay.\n\nOh, okay. Here we go.\n\nChannel 0: There we go. Fantastic.\n\nChannel 1: I'm just gonna find where the document is.\n\nChannel 0: That's okay. So if you open the email, it'll say click to sign or to, you\n\nChannel 1: Yep.\n\nChannel 0: know, view to sign. You'll click the button so you can move forward. It'll show you each of the documents there. It'll never ask you any to sign anything you haven't read. So we'll go through them first, and then if you wanna take more time to read them, you can.\n\nIt'll never force you to sign anything that you're not comfortable signing. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Now the first document you'll see attached there is essentially the summary of superannuation and insurances as of the September 28 there. Can you see that one?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So it's giving you an updated on your balance there. So when I had a look back at this time last year, your balance sitting there was about 381,501. Your balance as of the September 28, you're sitting at $406,136.37. And as of today, is that your balance has increased even further to 408,589.\n\nSo it is good. We have seen an increase on your super there. Okay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Excellent. Underneath that, you've also got your insurance policy. So this is showing the insurances which are paid out of super. You've got your life sum insured of 981,666. That's...\n\nThe insurance is owned by Zurich and paid out of your hub twenty four super account with the level of cover you have there. Now the way I like to sort of frame this is if you would have passed away today, I definitely don't want anything to happen to you, but if you were, the level of cover pays out to your beneficiaries at 981,666, plus your super benefit of 406,000... Now 408,000 there. Do you feel like between that level of cover that would be appropriate? Did you wanna kinda go back and review that at all?\n\nChannel 1: Jeez. Okay. You're gonna bump me off.\n\nChannel 0: I I definitely don't want anything to happen to you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. To kinda break it down to make it a bit easier for you, if you think about that level of cover, so adding your super balance at the current balance of 408,000 to that level of cover, you essentially have 1,390,000 of a life cover that can be paid out to your beneficiaries.\n\nChannel 1: Yep.\n\nChannel 0: Having a look at what that could cover for you would be... Now I had down here last year that your mortgage, you owed about 85,000. How much do you owe on the mortgage currently?\n\nChannel 1: It's really good because I haven't actually looked at it lately.\n\nChannel 0: Not a bad thing.\n\nChannel 1: I only got back from Bali in Thursday last week, so I'm sorta, yeah, still out of it.\n\nChannel 0: Yeah.\n\nChannel 1: 60\n\nChannel 0: That's\n\nChannel 1: 3,000.\n\nChannel 0: okay. 63,000. Beautiful. Fantastic. So if we had a look at that, with that level of cover, it could pay off your mortgage of 63,000.\n\nThat essentially clears the mortgage free and clear, leaving Heather to completely debt free. But then I've also got your income sitting at about a 130,000. Does that still sound appropriate, or does your income increase?\n\nChannel 1: It has.\n\nChannel 0: Mhmm.\n\nChannel 1: It's up to that $1.40 now, something\n\nChannel 0: About\n\nChannel 1: like\n\nChannel 0: 100\n\nChannel 1: that.\n\nChannel 0: and 40,000? Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. So then with that level of cover, it clears your mortgage free and clears. At least Heather completely debt free. And then if you think about, you know, how much it could cover your income at, say, a 140,000, and she may not need that full amount. So it would go further, but it would cover your current income then for about nine point...\n\nLet's say nine years and four months, essentially. Does that feel like a fairly appropriate level of cover? I mean, realistically, without a mortgage, that that debt isn't being paid for anymore. So if you're paying, you know, 5 or $600 a week on the mortgage repayment, that could reduce, you know, how much you'd need to live on. So, realistically, that level of cover could pay out the mortgage and then provide Heather with your income for a little over 10 years if needed to if she lives on a lower...\n\nA lesser amount of money. Do you feel like that's fairly appropriate? Did you wanna kind of review that at all, or how do you feel about that?\n\nChannel 1: Yeah. It's... I don't know. I haven't thought about it that way, but...\n\nChannel 0: Yep.\n\nChannel 1: Sorry to sound like that. But... Yeah.\n\nChannel 0: No. That's absolutely fine. I can promise you I'll ask you all the questions you probably never thought about answering. It's part of what I do, unfortunately.\n\nChannel 1: Alright. Excellent.\n\nChannel 0: Yeah.\n\nChannel 1: I suppose for now. Yeah.\n\nChannel 0: Yeah. That's okay. Not a problem at all. If you ever felt like you maybe wanted to review that, we can absolutely look at doing so. Those levels of cover that you do have, they are index.\n\nThey do increase over time. So each year that that goes through renewal, the amount that you're actually covered for increases just slightly. But it also does mean that the insurance cost does increase over time as well. So taking some time down the track and having a bit of a think about what what you actually wanted to happen isn't a bad idea. Even having that conversation with Heather going, look, you know, if something happened to me, what it...\n\nWhat is it you wanna be paid? Do you wanna pay off the mortgage, and how many years of income would would be suitable? Because having that conversation can sort of help to provide clarity around what you might need to be covered for. But, realistically, that's a pretty high... A pretty good level of cover to have, and that would leave her completely free and clear and give her some income as a bit of a buffer.\n\nDoes that sound okay for the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yeah? Beautiful. You've also got your total permanent disability there. Now do you know how insurances work? Do you have any questions around that level of cover?\n\nChannel 1: Where is that one? Sorry.\n\nChannel 0: That's the one\n\nChannel 1: TPD.\n\nChannel 0: underneath your\n\nChannel 1: Oh,\n\nChannel 0: life cover,\n\nChannel 1: temporary permanent\n\nChannel 0: TBD.\n\nChannel 1: disability. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So TBD, your total permanent disability pays at a lump sum benefit or an income stream in the event that you're never able to go back to work again. So generally speaking, you need to be unable to go to work in any occupation for which you're educated, trained, or have worked in the past. It is a pretty diff... Difficult definition to claim on, but it does pay out a benefit if you're unable to ever go back to work.\n\nThis shows you how much you're covered for at the moment. So you do have that benefit of $874,000.00 4. And, again, with TDD, if you are unable to get back to work ever again, under the condition of release of permanent incapacity, we can also get your super release. So you've got just over 1,200,000 of cover between your super and your TBD benefit there. Does that feel fairly comfortable for you?\n\nDid you wanna look at maybe altering or reviewing that level of cover?\n\nChannel 1: Let's say... How'd you... Hang on. How'd you get the 1.2 mil?\n\nChannel 0: So you're covered for 874,000 of a TBD, but then you're\n\nChannel 1: Oh,\n\nChannel 0: super\n\nChannel 1: yeah. Sorry.\n\nChannel 0: benefit\n\nChannel 1: Yep.\n\nChannel 0: on\n\nChannel 1: Yep.\n\nChannel 0: top of\n\nChannel 1: Sorry.\n\nChannel 0: that. Yeah.\n\nChannel 1: Yeah. I see\n\nChannel 0: No.\n\nChannel 1: it. Yeah. Wrong\n\nChannel 0: That's\n\nChannel 1: one.\n\nChannel 0: absolutely\n\nChannel 1: Sorry.\n\nChannel 0: fine. That is absolutely fine. It's not a problem at all.\n\nChannel 1: Max went out the window.\n\nChannel 0: Yeah. No. That's absolutely fine. Honestly, it's not a problem at all. Do you feel fairly comfortable with that level of cover?\n\nAre you fairly happy with it at the moment? Did you wanna talk about goals and kinda review that a bit deeper, or how do you feel about that?\n\nChannel 1: That's fine for now, I think.\n\nChannel 0: Yeah. Yep. Beautiful. It is a fairly good level of cover. I mean, if we look at it the same way that we did with your life cover, paying out the $63,000, the mortgage essentially leaves you with still over $1,200,000 there to then supplement your income to kind of live off.\n\nAnd if you were to be TBD, I mean, with life, the benefits paid out to your to your spouse as a life payment. But with TBD, because you're often still alive, we would provide advice on how to structure the payments, how to draw the income to make sure it does work for you long term and stays appropriate as long as possible as well. So we would definitely look at how to structure it, how to draw an income, what to pay off to make sure you're covered, and\n\nChannel 1: Okay.\n\nChannel 0: how to make that benefit last as long as possible for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. You've also got your income protection policy there. Now income protection can pay out a income stream in the event that you're unable to go to work in the shorter term. You can be covered for up to 70% of your pre disability income.\n\nSo based on your current income and the amount you would need to be covered for, it does look like you're just slightly over insured there a little bit. So 70% of your current income gives us a sum insured of $88,166. You're currently covered for $88,390. It does kind of mean that having a extra little bit of a benefit means if you do get, you know, bonuses or your salary goes up a little bit over the course of time, that you don't have to increase that policy because increasing a policy means you go back to underwriting again, which means the insurer reassesses the policy.\n\nChannel 1: Yep.\n\nChannel 0: So having this level of cover a little bit higher than what you need, can mean that you've got that little bit of extra in case you've got extra increases in your wage or bonuses that might come into account for. But it also does mean you're paying for a little bit more than what you can realistically\n\nChannel 1: No.\n\nChannel 0: claim on as well. Does that make sense? Do you have more questions around that? That's\n\nChannel 1: No.\n\nChannel 0: okay. Are you happy with that level of income protection? Did you wanna look at altering that or keep it as it is? How do you feel about\n\nChannel 1: K.\n\nChannel 0: that, James?\n\nChannel 1: Keep it.\n\nChannel 0: Keep it? Yep. Beautiful. All good. Underneath that, it does show how much you are paying for the insurances.\n\nSo you'll see the two amounts there. Essentially, for this... The top amount, the 5,173, that is how much the insurer receives the benefit. How much you've actually paid out of super is below that. So you actually paid $4,397.22.\n\nUnlike anything in our own name, we actually get a bit of a discount, a 15% discount for paying those insurance premiums out of super, and that's because of the taxation consequences and the way the money is transferred within the super system there. So getting a 15% discount and paying a little bit less than what the actual premium is is a good thing, but it does mean that these insurance premiums will get more expensive over time as well. So it is really important that we review them on a yearly basis and just make\n\nChannel 1: Well,\n\nChannel 0: changes as needed. Does that make sense? Do you have more questions? You're welcome\n\nChannel 1: it\n\nChannel 0: to let me know if you do. Yep.\n\nChannel 1: makes\n\nChannel 0: Beautiful. All good. And then underneath that, you've also got your trauma benefit\n\nChannel 1: sense.\n\nChannel 0: noted there. So you're currently paying $84.21 on a monthly basis for your trauma, and it pays out a lump sum benefit currently of 107,660. Thinking about trauma, are you fairly happy with that level of cover? Did you wanna look at reviewing that?\n\nChannel 1: What's the trauma cover?\n\nChannel 0: The trauma. So trauma pays out a lump sum benefit in the event of a trauma... Traumatic diagnosis. So think about things\n\nChannel 1: Alright.\n\nChannel 0: like cancer,\n\nChannel 1: Yep.\n\nChannel 0: a heart attack, strokes, Parkinson's. Yeah. Major diagnosis, essentially. Yeah.\n\nChannel 1: Yep. Okay. Alright.\n\nChannel 0: Yep. Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. All good. All good. If you ever did wanna revisit those or if you have more questions, you're absolutely fine to let me know.\n\nWhat I can even do to make it easier if you like is I could note down and send us a general email to you after the call, which just outlines the different levels of cover, how they're paid, what they cover, and what your benefit is just to kinda give you a bit of a guide and, you know, allow you to sort of think it over and have a look at them as well later on. Would you like me to do that for you?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Beautiful. It is a lot to sort of talk through, and sometimes we're thinking about it. We go back later and go, hey. Maybe this is what I would like to happen, or maybe this level of cover might benefit.\n\nSo if I send that email, it gives you something to sort of have a think about. You can always talk to Heather and see what what you guys would like as a goal. And if you wanted to review those, you're welcome to come back and let me know. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Easy.\n\nChannel 1: Not\n\nChannel 0: Fantastic.\n\nChannel 1: an issue.\n\nChannel 0: Fantastic. If you go to the next page there for me, the next one is your performance report with regard to your super there.\n\nChannel 1: Next document.\n\nChannel 0: Yeah. It's got the...\n\nChannel 1: Come\n\nChannel 0: The heading\n\nChannel 1: on.\n\nChannel 0: is the performance\n\nChannel 1: It's\n\nChannel 0: report.\n\nChannel 1: it's a blank page. You beauty.\n\nChannel 0: Is it still loading?\n\nChannel 1: It's just a blank page. Come on. Hang on. Alright. That's page one.\n\nPage two. Alright. There we\n\nChannel 0: Beautiful. So it should say performance\n\nChannel 1: go.\n\nChannel 0: report with internal rate of return. Is that the document you can see there?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Fantastic. Now this is showing you how your super has performed over the past twelve months there. On the front, you'll see all the individual investments. So it kinda goes through what you're invested in individually there.\n\nThe area I sort of like to show you to focus on is the second last column, which is your internal rate of return. The first page there goes through them all individually. They're all doing pretty well. There are some areas that aren't really responding quite well at the moment with regard to your super and investments in general. What we're sort of seeing here, the first one that Benelong Australian Equities investment.\n\nNow this is more of an actively managed fund. So the Now this is more of an actively managed fund. So the investment manager within Bennelong is meant to be trying to pick and time the market, choose investments to to invest in, and, essentially, outperform against the market. They're not really able to do that at the moment. One of the things I kinda like to break down is this...\n\nIn the... There's different ways to invest in your super or in investments in general. One of those is to have active management, which is where you pick and choose active investment managers depending on what you wanna see happen. And they're meant to be trying to outperform against the market and time the market and pick investments that are... Think Warren Buffett style.\n\nThey're trying to pick investments at a certain price, buy in, and then get out when they, you know, reach overvalued, essentially. Van\n\nChannel 1: Hello.\n\nChannel 0: Alon\n\nChannel 1: Hello.\n\nChannel 0: has struggled\n\nChannel 1: So hi.\n\nChannel 0: to do that. Yeah. Van Alon has struggled to do that this year. They've had a lot of ups and downs over the past couple of years and have had a lot since COVID. But this year, they've really actually struggled to do so.\n\nThey've had some underlying issues within their investment profile, and I'm actually looking to kind of remove everyone from an investment. I know one of the things I try to look at is whether an investment is still valuable and whether an investment being down is what is important to stay in or whether it's worth getting out. Because of the issues and the research I've done around Bannalung at the moment, it is definitely worth removing them from your portfolio. What I wanna... Sort of wanted to gauge from you is to look at whether you have a preference on how you'd like your portfolios to be built because we have lots of different ways to invest.\n\nWe can replace that with another active manager. There's no guarantees they'll be able to outperform against the market. They could have internal issues as well. And often, you pay a little bit more in fees to have an investment manager or an active investment manager in your portfolio. The other option I could look at if you would like to is looking at lowering investment fees within your portfolio and maybe having more of a passively managed portfolio.\n\nA passive manager is trying to just, essentially, follow an index. They're not trying to make snap decisions or outperform against the market. They can be cheaper. They are following and tracking an index, and making changes in line with what changes occur in the indices. So they're making less changes in a portfolio.\n\nAnd quite often longer term, you can get much better returns by having passive managers in your portfolio rather than trying to time the market. Thinking about your super and what you'd like to see, how do you feel about that? What would you like to see? And do\n\nChannel 1: So\n\nChannel 0: you have more\n\nChannel 1: they're more\n\nChannel 0: quest...\n\nChannel 1: a long term goal, not a short term...\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: What would you sort of... How would you like to see things? And you're welcome to ask more questions if you need to. Absolutely fine.\n\nChannel 1: Yeah. Could... I\n\nChannel 0: That's okay. We have options, sir, that we can replace with both\n\nChannel 1: don't\n\nChannel 0: things. Essentially, one of the benefits to having more of a passively managed investment\n\nChannel 1: know.\n\nChannel 0: portfolio is that it can be cheaper. So one of the ways that we can look to maybe swap things out and update things is to maybe reduce the fees, maybe take... So take out this active investment manager and put you in more of a passive portfolio, which can generate much higher returns longer term. It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track. Would you like to look at that as an option, or how do you sort\n\nChannel 1: Yeah.\n\nChannel 0: of feel?\n\nChannel 1: If if we can. Yeah.\n\nChannel 0: Yeah. Yeah. Absolutely. One of the things I sort of like to look at is the the other side is the risk level. So having an active manager in there means that you are taking a little bit more risk because they are trying to take and time the market, whereas more of a passively managed portfolio can be a little bit lower in risk essentially as well.\n\nDoes that sound\n\nChannel 1: Right.\n\nChannel 0: comfortable?\n\nChannel 1: Yep.\n\nChannel 0: Did you want me to sort of look at having more of an... Having another active manager in that? I'm happy to do either depending on your preference. How do you feel about that?\n\nChannel 1: No. Probably a pass either.\n\nChannel 0: Yeah? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Well, what I'll do is I'll go back and have a look at your super fund as well as all the investments in that for you. There are some other changes I'd like to maybe look at your portfolio as well. So you'll see here you've also... Underneath that banner along, you've got some bank hybrids.\n\nThese are more of a defensive vest... Investment. Bank hybrids are very similar to bonds, essentially. They're lower risk, but they also tend to get lower rates of returns. Having them\n\nChannel 1: Yep.\n\nChannel 0: in your portfolio is really good. It's to set down the track the government is actually phasing out these types of investments. They're removing bank hybrids from trying to streamline and make investments a little bit easier for people to understand. So these actually have an expiry. I would like to maybe look at removing them now and replacing them with some other defensive investment while we're making changes to your portfolio rather than down the track when we have to make changes, removing them quicker.\n\nAre you comfortable with me looking at that for you as well?\n\nChannel 1: So pretty much get rid of them now before the bum falls out of them.\n\nChannel 0: Absolutely.\n\nChannel 1: Sorry to put on my cat.\n\nChannel 0: No. That's perfect. I love it. It's fantastic. It's\n\nChannel 1: I\n\nChannel 0: great.\n\nChannel 1: was gonna say something else, but no. Yeah. No. Yeah. Do that.\n\nChannel 0: It's absolutely fine. Not a problem. Your cybersecurity\n\nChannel 1: Apologies.\n\nChannel 0: and your\n\nChannel 1: I'm in construction. So it's like...\n\nChannel 0: you're fine. Look. I speak like this when I'm at work, but you haven't heard me at home. So don't worry. There is nothing you can say that I haven't heard before, and I honestly just want you to be you.\n\nThat's the part of\n\nChannel 1: No.\n\nChannel 0: what I\n\nChannel 1: It's\n\nChannel 0: love\n\nChannel 1: all\n\nChannel 0: about\n\nChannel 1: good.\n\nChannel 0: a job is you get to be yourself. It doesn't matter in any way, shape, or form.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Your bank hybrids are doing really well. There's realistically no no need to kinda remove\n\nChannel 1: Hang\n\nChannel 0: them there. And your other Australian equities\n\nChannel 1: on. You\n\nChannel 0: are also\n\nChannel 1: just said the\n\nChannel 0: performing\n\nChannel 1: bank coverage\n\nChannel 0: quite well.\n\nChannel 1: to get rid of them.\n\nChannel 0: No. Sorry. Global cybersecurity.\n\nChannel 1: You said... Yeah. Alright. Pick\n\nChannel 0: My\n\nChannel 1: you up\n\nChannel 0: apologies\n\nChannel 1: on one then.\n\nChannel 0: if I said\n\nChannel 1: That's\n\nChannel 0: that.\n\nChannel 1: one.\n\nChannel 0: I'm sorry. Yes. Your cybersecurity\n\nChannel 1: I I\n\nChannel 0: is doing\n\nChannel 1: told you\n\nChannel 0: quite\n\nChannel 1: how to deal with an idiot.\n\nChannel 0: well. You're absolutely fine. Your battery and lithium tech is in there. We could definitely have a look at ways to sort of make sure you keep that kind of exposure within the portfolio. Physical gold is...\n\nHas had a bit of ups and downs this year, but it is still worth keeping physical gold in your portfolio. It was essentially\n\nChannel 1: Yeah.\n\nChannel 0: at a thirty year high around about February. It had taken a bit of a dip in that time frame and has been kind of recovering back slowly, but it is still good to have physical gold in your portfolio. It is still a worthwhile asset there.\n\nChannel 1: Okay.\n\nChannel 0: The... Underneath that, you've got core composite bonds, and these are, again, a more of a defensive investment. They are down a little bit in your portfolio, and it has got to do with inflation. So these sorts of bonds are affected by inflationary pressures, and we have had some very high inflation this year. So\n\nChannel 1: Yep.\n\nChannel 0: they have seen a bit of a dip in the portfolio, but they are still worth keeping in the portfolio. There's no reason to remove them out. And when inflation is able to dip a little bit, you'll see the core composite bonds actually react quite well to that. So I do wanna sorta keep that investment in there, but I'll look at how to structure it for you.\n\nChannel 1: Right.\n\nChannel 0: You've also got the S and P 500. So this is the second last one from the bottom. This is giving you access and exposure to the top 500 companies on the a s... Sorry. On The US market.\n\nIt's tracking the top... The S and P 500 index, and the S and P 500 index can essentially encompass anywhere from 500 to 520 different companies. And this is kind of a really good view of what a passive investment is. This investment is a passive investment. It is tracking the S and P 500 indices.\n\nSo, essentially, whenever the committee meet for... To discuss what's happening in the S and P 500 and either to keep companies in or to remove companies from that, If they make changes to the index, then the iShares S and P 500 investment, they also make changes in line with that. So it just essentially means that less less changes occur within the investment on a regular basis. So they're not, you know, trying to pick and time the market. They're not trying to, you know, find the right company at the right price and buying in at the exact right time.\n\nThey're just making changes that need to happen as per the index, And that over time can have a much greater effect for you and provide much greater returns, but it also is lower cost. And that's one of the things that's really important is trying to, you know, where possible, reduce investment fees if possible, because it means that more money stays invested in your portfolio working harder for you over time. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And then you've... Underneath it, you've got the Van Eck property. Now this is giving you access and exposure to listed property. Property has taken a bit of a hit.\n\nSo this investment is down. Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit. So we are seeing that down a little bit at the moment. I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it. Realistically, we don't want to, you know, sell all the investments when they are down.\n\nWe wanna allow them to come back and recover where possible. But within... Your property could be down for a while, and there might be another way to give you exposure to property without holding the investment there. Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Do you have any questions about any of those investments at all so far?\n\nChannel 1: Only... Oh, the physical gold one. Yeah. Income\n\nChannel 0: Yeah.\n\nChannel 1: in period zero. What the hell?\n\nChannel 0: So a physical gold doesn't pay any income. So income is\n\nChannel 1: Oh, okay.\n\nChannel 0: essentially looking at dividends that are being paid at. And between all those investments, they all pay dividends throughout the course of the year, which is fantastic because dividends are paid to your cash account, and then that money is reinvested back in your portfolio. But commodities like physical gold and silver, they actually don't pay dividends. They're not... It's not income production...\n\nChannel 1: Yep.\n\nChannel 0: No. Sorry.\n\nChannel 1: Okay.\n\nChannel 0: Non income producing asset. So it only gets growth. And that's why it's always good to have a bit of those sorts of investments, but you don't wanna have only those. You wanna sort of incorporate some income production out of your portfolio as well. Does that make sense?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Yeah.\n\nChannel 1: just seeing a big zero in the middle. I'm like, what the... Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: That is a great question.\n\nChannel 1: Why? Tell me why. No. No. It makes sense because it doesn't actually do anything.\n\nIt just sits there and... Yeah.\n\nChannel 0: It does.\n\nChannel 1: Okay.\n\nChannel 0: Exactly. Yeah. If you go down to the next page of that one, so scroll down, you'll see there's a second page, and it basically correlates the returns seen from your entire\n\nChannel 1: Yep.\n\nChannel 0: portfolio. Yeah. So when we look at this, it shows you the market value at the beginning. So this time last year, showing you had $381,501.46. Then we've got deposits.\n\nSo this is a combination of money going in from dividends as well as contributions, and all the other, you know, you get rebates and things as well. And then withdrawals essentially looks at money coming out for taxes, for CDT because your super fund also pays taxes as well as insurance premiums and anything there. And then you've got your end market value. So that's the balance within your super at... As at the twenty eighth of the ninth.\n\nThe next one is the income, and that shows that within this last twelve months, your portfolio has generated total income from all the investments above of $13,773.15, which is pretty good income.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Then you've got the growth. So when we look at returns, it's a combination of growth and income. This is showing that over the past twelve months, the growth within the portfolio has been $7,856.70. So it does show the growth is definitely less than what the income has been produced, and that is a lot to do with the fact that Bennelong is down and your property is down as well.\n\nThose two investments seem to be holding your portfolio back a little bit at the moment there. But\n\nChannel 1: Right.\n\nChannel 0: the next column is your total earnings. So this is a combination of your income plus your growth within the last twelve months, and it shows that within your portfolio, that's over $21,629.85.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And as a percentage, the return is about 3.54%. So, realistically, the return is a lot lower than where I would like it to be. With your portfolio\n\nChannel 1: Yep.\n\nChannel 0: and the way this is, you're in a growth growth portfolio. So that is essentially seeing 80% of your super invested in those growth higher risk investments like shares and property and gold and commodities because that's where you see a lot of the growth from. However, at times when the market is volatile and down and up and like what we've seen this year, you can also expect lower rates of returns from those sorts of investments. And that's essentially what's happened here. It's a combination of the volatility, what's been happening globally in your portfolio, but then also the fact that the government's also made those changes with the property.\n\nSo your property side of things is down holding your portfolio back. And then that actively managed fund, that's been a long investment. That's not performing great as well. They've had some internal issues there. So those two investments have sorta held things back a little bit.\n\nYour percentage is definitely lower than where I would like it to be. However,\n\nChannel 1: Yep.\n\nChannel 0: as much as it's a 3% return, it does show 3% gives you over $21,000 in income and growth. So, you know, if we had have been able to get from this year, you know, a nine or 10 or 11% return, you could imagine the earnings would have been a lot bigger on that side of things. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. So what I would like to do, because this portfolio is a bit older, there are definitely some changes to make. I wanna go back, review the super, review the investment, make some changes to the portfolio, update things, and kind of look at how I can make them work a bit harder for you. We'll come back. I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make.\n\nI'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy. And then you get to take that away and have a really good read of that as well. How does that sound?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Please.\n\nChannel 0: Beautiful. Excellent. That is a lot, and I understand that. Do you have any questions in relation to any of that, James, at all?\n\nChannel 1: Not really. No.\n\nChannel 0: No. That's okay. All good.\n\nChannel 1: I think\n\nChannel 0: If\n\nChannel 1: it's\n\nChannel 0: you can\n\nChannel 1: still\n\nChannel 0: scroll...\n\nChannel 1: still doing better than SeaBus.\n\nChannel 0: Yes. Yeah. Definitely. Yep.\n\nChannel 1: Sorry to say that, but...\n\nChannel 0: No. No. Absolutely fine. If you can go on to the next document for me, the next\n\nChannel 1: Thank\n\nChannel 0: one there\n\nChannel 1: god.\n\nChannel 0: is...\n\nChannel 1: Index chart.\n\nChannel 0: Yeah. So this is a bit of a guide, and this is one of the things I love about my job is the educational value. It's not as interesting to everyone, and if you're not, that's okay. But this shows you how and why we invest the way we do. Essentially, if you're looking at the side of the document, you've got US shares, Australian shares, international shares, and listed property.\n\nYou can see those on there?\n\nChannel 1: Hang on. Sorry.\n\nChannel 0: It's on the... On...\n\nChannel 1: Oh, yes. Sorry.\n\nChannel 0: Where\n\nChannel 1: Yep.\n\nChannel 0: I'm facing?\n\nChannel 1: On the re...\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: All good. Those are your growth assets. So when we sort of talked before that you're in a growth portfolio, you see 80% of your super invested in these sorts of growth assets there because they get the the best kind of returns longer term. If you think about this document here, it shows you that in 1996, if you had to put $10,000 into US shares as an example, you let it sit and compound over time, reinvesting any income that's being produced, it would have turned $10,000 into 218,544. That's a lot of money.\n\nIt's essentially a compounded annual return of 10.8%. So that is a really good rate of return. But if you think about the person investing in 1996, they have that 10,000 invested. They're reinvesting their income, but they're going through all these ups and downs. Following that line, they've gone through things like the, you know, the GST standard...\n\nThe d... GST was introduced and .com bubble was there, the Bali bombing. They also had to go through the GFC. They had to go through COVID. They had to go through, you know,\n\nChannel 1: Just\n\nChannel 0: so many\n\nChannel 1: a little\n\nChannel 0: ups\n\nChannel 1: bit.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: downs. Exactly. And that's a very nervous sort of time to go through. When you sort of think about this...\n\nChannel 1: What is it? 07/08/2009. That was a\n\nChannel 0: Yep.\n\nChannel 1: Boom. Yeah. Okay.\n\nChannel 0: Absolutely. And the GFC lasted quite a while. You know, we saw very large dips in the market, and it took basically until around about two thousand and ten to eleven for the market to really come back to where it was pre levels before that drop. So the GFC lasted quite some time and took quite a lot of recovery there. But this is essentially\n\nChannel 1: Yep.\n\nChannel 0: why we invest the way we do. When you're younger, when you've got more time on your side, we can go through those ups and downs, keep investing and keep putting money into your super to take advantage of those sorts of ups and downs. One of the things I like to sort of use as an analogy is if you were to buy a shirt and it was a really good quality shirt and it cost you $50, you're happy with that shirt, you're happy to pay that price for that quality shirt.\n\nChannel 1: $50,\n\nChannel 0: The next\n\nChannel 1: you're kidding, aren't\n\nChannel 0: day...\n\nChannel 1: you?\n\nChannel 0: $50.\n\nChannel 1: I've\n\nChannel 0: The\n\nChannel 1: been\n\nChannel 0: next\n\nChannel 1: in Bali.\n\nChannel 0: day,\n\nChannel 1: $5 for a shirt. That's it.\n\nChannel 0: the bingtang singlet.\n\nChannel 1: Sorry.\n\nChannel 0: No. You're fine. If that shirt was to go on sale the next day and it's down 50% to $25, you know, you look at it and you go, wow. Same same shirt. I could've bought two for the same amount of money if I'd held off.\n\nThe same thing works with investing. If you were to say... If I use the S and P 500 as an example, if that investment is, say, you buy in and the units of that investment are $50 per unit, if your super contributions go in and it's more than a $100, then you put a $100 into that investment. You get two units of that investment. The next week, your super contributions go in.\n\nIf the market's taken a bit of a dip and that investment is worth $25, that same $100 buys you four units of that investment. And then as the market comes out, you've bought some units really cheap. You actually take advantage of that. It's a way to buy low and sell high without actually having to time the market. And so what we wanna do is we wanna take advantage of the ups and downs in the market.\n\nAnd that's why we stay invested through the downtimes and keep investing through the ups and downs in the market. And you'll find over the course of, you know, five, ten, fifteen, twenty years, it actually provides a really great benefit. And that's how we grow our super to the levels that we want to do. That's how we take advantage of the ups and downs the market sees. But it is all easy to say that's what we wanna do, but it is really hard.\n\nWhen we see things going down, it does make us feel very nervous as human beings. We\n\nChannel 1: And\n\nChannel 0: tend\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: wanna\n\nChannel 0: feel...\n\nChannel 1: sell it?\n\nChannel 0: Absolutely. And that compounds that downward effect. And that's essentially the biggest thing. Whenever you see the market taking a bit of a dip, 90% of that dip is human emotions. People have\n\nChannel 1: Yep.\n\nChannel 0: read something that makes them feel nervous. So a couple of people sell, then someone else starts to sell. Then people see that is going down, and they start to sell, and it starts a chain reaction. What my job is is to help you avoid doing that, not to make that kind of a reaction. So when I kind of look at your portfolio and go, hey.\n\nI wanna make some changes to it. It's because I've reviewed the investments, because I've deemed those investments no longer viable, and that we really should look to move you into something else to replace them and to keep your super building and working harder. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yeah. So, realistically, at your age now... Now double checking, I've got you\n\nChannel 1: 50.\n\nChannel 0: wanting to... You are 50\n\nChannel 1: Fifty.\n\nChannel 0: years. What age are you hoping to be able to fully retire and maybe access your super? What would your goal age be?\n\nChannel 1: 50.\n\nChannel 0: 50.\n\nChannel 1: The way I'm feeling 50. Sorry.\n\nChannel 0: No. Absolutely fine.\n\nChannel 1: I... Probably 50... Sorry. Not 60, 65, something like that.\n\nChannel 0: Yep. So the earliest you can access super is the age of 60 if you fully retire. Did you want me to use sixty years ago, or do you think you'd be looking to work till 65? How do you think you feel?\n\nChannel 1: U 60 for now.\n\nChannel 0: Yeah. Beautiful. So 60 as a goal, not a problem at all. So that gives you about ten years before accessing super. So, realistically, that does still suit that growth environment, that 8020 split that's been invested in that sort of growth environment.\n\nWe understand and expect a negative year to occur, say, one in every five years. And this kind of portfolio, you're looking to try and obtain around about seven to 9% on a yearly basis. With volatility, you can get higher than that 9% quite comfortably, but it also means that years like this year, when things might not be working very well, that we do expect the return to be lower than that seven mark. So it's about just kinda reviewing things and, you know, looking at and making sure you're comfortable there. Thinking about that level of exposure, are you still comfortable with that?\n\nDid you wanna look at maybe reducing your exposure or reducing your risk level? How do you feel about that?\n\nChannel 1: I don't know. I don't know.\n\nChannel 0: That's okay.\n\nChannel 1: Sorry to\n\nChannel 0: I\n\nChannel 1: sound\n\nChannel 0: have\n\nChannel 1: like\n\nChannel 0: a...\n\nChannel 1: that.\n\nChannel 0: No. You're absolutely fine. I've got a questionnaire to go through. Let's run through this, and we'll talk us through about how you would feel or might react. I've answered some of them for you already.\n\nThe first one here is, have you ever invested in shares or direct managed funds in your own name before? Perfectly fine. The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super? And do you feel comfortable taking on a higher level of risk to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower?\n\nWhere do you think you might fit on that scale?\n\nChannel 1: I don't know. Probably moderate ish.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Maybe.\n\nChannel 0: In the middle. Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: The next one here says, if you saw your super fall by 20% over the next six to twelve months, how might that be making you feel? Are you a bit optimistic about the investment, maybe putting some more money in, taking advantage of the downtime? Are you a bit cautious and concerned, maybe calling us and seeing what we suggest you do and maybe looking to hold and wait through that time frame? Are you more very anxious and maybe wanting to sell your investments to cash and the cap... And crystallize those losses?\n\nHow do\n\nChannel 1: I'd\n\nChannel 0: you\n\nChannel 1: probably\n\nChannel 0: think you might react\n\nChannel 1: probably\n\nChannel 0: and feel?\n\nChannel 1: middle call\n\nChannel 0: Yep.\n\nChannel 1: call just to double check, find out.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Mhmm. The next one here is basically asking, have you ever thought about borrowing in order to invest in shares or manage funds, or have you only ever wanted to borrow for safe property?\n\nChannel 1: Probably borrowed to say of the property.\n\nChannel 0: For property? Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Thank you for that. Now, look, that's the end of that questionnaire, happily. You've scored there as a growth investor. So as I kinda mentioned before, you are in that growth portfolio.\n\nIt says 80% in those growth assets, like US shares, Australian shares, international shares, and property, and then 20% in low risk defensive investments like cash and bonds. This does still\n\nChannel 1: Yep.\n\nChannel 0: suit your time horizon because you still have ten years before you're able to access Super. It still suits your investment time horizon. You...\n\nChannel 1: Yep.\n\nChannel 0: When you think about risk out of a number between one and four... So... Oh, sorry. One and five. So five being, you know, no risk at all, all sitting in cash, one being a 100% aggressive, all in shares.\n\nYou're sitting at about a three. So you're kind of in that mid range there.\n\nChannel 1: Yep.\n\nChannel 0: You you have more than six years ahead of you, so you can stay in this environment. You know, you've got that seven to 9%. We could quite comfortably alter the portfolio and kind of build on that for you. When you are about six years away from accessing your super, I would be absolutely trying to push you down and start to reduce your risk level a little bit. But for now, are you comfortable with you...\n\nWith me retaining that growth portfolio? Did you wanna... Do you wanna start reducing risk in line with, you know, a bit of comfort? How do you feel?\n\nChannel 1: Not returning as is.\n\nChannel 0: Retain it? Beautiful. Do you have any questions? I'll try to sort of explain it as much as I possibly can, but it can be a lot to kinda go through. Do you have any questions in relation to any of that?\n\nChannel 1: No.\n\nChannel 0: Yep. That's beautiful. There we go. Excellent. So I'll review everything and keep you in line with that growth portfolio.\n\nFantastic. Now in that order you sign, the last couple of documents attached are your Zurich certificate of the currencies that runs you through all the different insurance policies in a little bit more detail there for you. We also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me and also my licensing information in there for you as well. So you're welcome to look me up.\n\nIt outlines all of our services for you there as well. The last...\n\nChannel 1: Oh god. My Internet's just gone stupid on me. Sorry.\n\nChannel 0: Oh, no. No. No. You're\n\nChannel 1: Hang\n\nChannel 0: fine.\n\nChannel 1: on. IP services. Consent.\n\nChannel 0: Yep. And the last two documents attached there are the tax file opt in form. So it lets you know that we hold your tax phone number, how and why we do so. It's about making sure that you're fully aware of the information we hold on you and also the ongoing services agreement there as well. So you do pay 1.65 for our services.\n\nThis is essentially keeping it as it is for the next twelve months there. Down the track, we are looking to update our ongoing service fee. When that does, I'll go through it with you. But for the time being, you're on that 1.65. That is deducted from your super account on a monthly basis in smaller monthly increments for our services there.\n\nAnd we make sure... Essentially, we wanna make sure that you're receiving, you know, enough of a return to cover our ongoing service fee, but then that your super is growing and building and working on top of that as well, which is really important. Does that all make\n\nChannel 1: Okay.\n\nChannel 0: sense? And do you have any questions there at all, James?\n\nChannel 1: I... No. Not right now.\n\nChannel 0: No? Beautiful. You're welcome to take some time to review those ones. If you did or are comfortable to do so, when you're ready, we'll get you to sign and return them back just so we can keep a record of those. For us to be able to provide advice and update everything, we do have to have the ongoing service agreement signed and returned back.\n\nSo feel free to run your eyes over them. And when you are comfortable, I'll get you to sign and return those back there for me as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Pass that fee, $6 per annum. It is what it is. Pay more in CBUS. I know that one.\n\nChannel 0: No. You're fine. As I said, you do you. You speak your mind. You ask questions.\n\nI'm absolutely fine with it.\n\nChannel 1: Sorry. Sorry. My phone is checking that absolute wobbly right now. Signature. Okay.\n\nIt's not letting me do it. Excellent. Oh, there we go. What is this one?\n\nChannel 0: Is\n\nChannel 1: What's\n\nChannel 0: that\n\nChannel 1: Odus?\n\nChannel 0: the Taxbot of OdooSign?\n\nChannel 1: Odus one. Yeah.\n\nChannel 0: Yep. That's the platform we use. It's very much similar to DocuSign.\n\nChannel 1: It's already got a signature in there. It's not\n\nChannel 0: Yep.\n\nChannel 1: mine.\n\nChannel 0: Is it just... If you click on it, it might be prepopulating a signature for you.\n\nChannel 1: Don't allow me to do anything.\n\nChannel 0: And then it might ask you to... Often you need to click on this... The date section as well, and it should automatically update the date for you.\n\nChannel 1: Oops. If I said draw... Oh, god. That might be smarter. So date section.\n\nThis phone's gonna go into airplane mode and fly. Right. That's next document. Option to provide tax file number. You already got that.\n\nChannel 0: Yes. Yeah. That's...\n\nChannel 1: 353\n\nChannel 0: Just letting you\n\nChannel 1: 90\n\nChannel 0: know\n\nChannel 1: 2\n\nChannel 0: that we\n\nChannel 1: 282.\n\nChannel 0: hold that. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Signature. Done. Date.\n\nChannel 0: Beautiful.\n\nChannel 1: Date's in there. Fine. Now what date? Come on. Fine.\n\nSorry.\n\nChannel 0: No. You're fine. And it's come back to me.\n\nChannel 1: Okay.\n\nChannel 0: That's all being done there, James. Thank you so much for that. I really appreciate it. The last couple of things I just wanted to update are just your assets and liabilities that we had noted here. Now your main primary residence, the value we had on that house last year was about 1,100,000.\n\nWhat kind of value would you put on it now?\n\nChannel 1: Probably 1.2 ish.\n\nChannel 0: 1.2?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Fantastic. Lovely. And I had a Toyota Prado on here with an asset value of 40,000.\n\nWould you alter that value?\n\nChannel 1: It's probably gone down to 30, but... Yeah.\n\nChannel 0: Yes. That's okay. I've also got a Ford Galaxy 1964 at 40,000. What kind of value\n\nChannel 1: Yeah.\n\nChannel 0: would you put on that currently? Yep. Beautiful. And then I've also got a 1971 x y Falcon Ute with 40,000 on it.\n\nChannel 1: Yeah. What else did I put down?\n\nChannel 0: I've also got the Ford x y\n\nChannel 1: The other one. Yeah. The other one. Yep.\n\nChannel 0: ute. Yep. And that was a 35,000 value, the Ford x y ute.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. And that's all I have noted here. Do you have any other vehicles that you've got there valuable?\n\nChannel 1: Not mine. No.\n\nChannel 0: No? No. That's okay.\n\nChannel 1: I can't find them. No. They're enough,\n\nChannel 0: No. That's\n\nChannel 1: aren't they?\n\nChannel 0: okay. Yeah. They're fantastic. Actually, really cool cars. Did you do them up?\n\nIs that kind of what you enjoy doing outside of work? Or\n\nChannel 1: Galaxy was my grandfather's that he bought\n\nChannel 0: Oh,\n\nChannel 1: very\n\nChannel 0: awesome.\n\nChannel 1: new.\n\nChannel 0: Yeah.\n\nChannel 1: So that's never been sold outside the family.\n\nChannel 0: Yep.\n\nChannel 1: So that's... Yeah. I've grown up with that one, literally.\n\nChannel 0: Yeah.\n\nChannel 1: And the ute, the $40,000 ute is... I bought that when I was an apprentice.\n\nChannel 0: Mhmm. Oh, wow.\n\nChannel 1: So I've just kept it as a toy. My grandmother gave me money to buy something so I went and bought\n\nChannel 0: Yep.\n\nChannel 1: that. So it sorta... Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: And then the other one I just picked up and I just, you know, toy with that one or just working on it, playing with it. Yeah.\n\nChannel 0: Yeah. No. That's fantastic. That's excellent. I've updated your income there\n\nChannel 1: If\n\nChannel 0: now.\n\nChannel 1: Heather sold\n\nChannel 0: Sorry.\n\nChannel 1: all them she'd be... If Heather sold all them, she'd be debt free. Yeah. Yeah.\n\nChannel 0: I understand that. Yeah. Definitely. And income wise, now I noticed that you're not paying any additional contributions to super. Are you open to doing that to kinda help build your super, or you'd prefer not to?\n\nHow do you feel about those additional contributions?\n\nChannel 1: I'd like to once the house is paid off.\n\nChannel 0: Yep. That's absolutely fine. Once the house\n\nChannel 1: Because,\n\nChannel 0: is paid off...\n\nChannel 1: like... Yeah.\n\nChannel 0: That's okay. I can revisit that down the track for you. I'll put it down as a medium term goal, something we can revisit down the track. Easy.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. I also have down here that you have two financial dependents at home. So two kids still living at home. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And I've got Heather down as your next of kin. I've also got her noted as your beneficiary for your life insurance and your super. You're still happy with that a 100% order, Heather?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. The other thing I've got noted here is that you don't have a will or power of attorney. Is that something you guys have discussed in the past?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Have you kinda talked about getting one done or seeking the services of a solicitor, or is it just on the list to do down the track?\n\nChannel 1: It's on the list.\n\nChannel 0: On the list. Beautiful. We'll make that for you. Excellent. And so any other goals down the track that you might be looking at?\n\nChannel 1: Not... No.\n\nChannel 0: No. That's okay. Perfect. That's not a problem at all. Well, look.\n\nThat's everything I needed to go through. I really appreciate you taking the time again. I'm very sorry that I didn't call you late. It's not my preference at all, but wanna make sure that everyone gets the best they can out of their review. Is there anything that I maybe haven't touched on that you wanted to ask or discuss with me, or do you have any questions in relation to anything I've gone through with you at all?\n\nChannel 1: No. I think we've sorted it, covered it. Yeah.\n\nChannel 0: Yeah. Beautiful. Well, what I'd like to do now is just book you in for... In a couple of weeks to go back and review the advice document after I've done the research. Is there a day or time that normally\n\nChannel 1: No.\n\nChannel 0: suits you best?\n\nChannel 1: It's normally\n\nChannel 0: Yeah. Beautiful. Is sort of\n\nChannel 1: alright.\n\nChannel 0: this time of the afternoon, that's sort of 04:30\n\nChannel 1: Yeah.\n\nChannel 0: suited to you?\n\nChannel 1: Anytime. Yeah.\n\nChannel 0: Yep. Perfect. So if we go to three, the week of the October 29, I do have availability. The same time is today if you like. So it's 04:30 my time, which is 05:30 your time.\n\nWould that be okay for me to book you in then to go through your advice document?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I'll put statement of advice there. I'll add a text message reminder so it sends you a message an hour prior. If anything comes up, please let me know. But I'll get the research and have the advice document ready to go then.\n\nWe can go through that together. How does that sound?\n\nChannel 1: Not a worry.\n\nChannel 0: Beautiful. Look. Thank you so much for your time. It's been a pleasure. I hope you have a good rest of your week.\n\nChannel 1: Thank you. You have a good one\n\nChannel 0: Thanks.\n\nChannel 1: too.\n\nChannel 0: You too. Thanks, James. I'll talk to you soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: See you later.\n\nChannel 1: You're so\n\nChannel 0: Bye.\n\nChannel 1: good, though? Yes. Yes.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.030284037813544273}],"sentiment":"neutral","sentiment_score":0.030284037813544273,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hi, James.","start":2.1599998,"end":2.72,"sentiment":"neutral","sentiment_score":0.10532037168741226},{"text":"It's Dana from Oku Financial.","start":2.72,"end":4.26,"sentiment":"neutral","sentiment_score":0.17837317287921906},{"text":"How are you this afternoon?","start":4.48,"end":5.7,"sentiment":"neutral","sentiment_score":0.23043240010738372}],"sentiment":"neutral","sentiment_score":0.18788905069231987,"channel":0,"num_words":12,"start":2.1599998,"end":5.7},{"sentences":[{"text":"Great.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.6371599435806274},{"text":"How are you doing?","start":6.64,"end":7.62,"sentiment":"positive","sentiment_score":0.43540187180042267}],"sentiment":"positive","sentiment_score":0.4757534861564636,"channel":1,"num_words":5,"start":6.24,"end":7.62},{"sentences":[{"text":"I'm very well.","start":7.9199996,"end":8.8,"sentiment":"positive","sentiment_score":0.6165840824445089},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.6212599575519562},{"text":"Firstly, I would like to apologize.","start":9.2,"end":10.82,"sentiment":"neutral","sentiment_score":-0.06597029759238164},{"text":"I'm so very sorry.","start":10.96,"end":12.08,"sentiment":"neutral","sentiment_score":-0.220403753221035},{"text":"My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize.","start":12.08,"end":17.485,"sentiment":"neutral","sentiment_score":-0.24109404307344687}],"sentiment":"neutral","sentiment_score":-0.09816651649184917,"channel":0,"num_words":38,"start":7.9199996,"end":17.485},{"sentences":[{"text":"It's not at all what I wanted to happen.","start":17.705,"end":19.645,"sentiment":"negative","sentiment_score":-0.465690811475118}],"sentiment":"negative","sentiment_score":-0.465690811475118,"channel":0,"num_words":9,"start":17.705,"end":19.645},{"sentences":[{"text":"Oh, don't worry.","start":20.175,"end":20.814999,"sentiment":"neutral","sentiment_score":-0.06538850317398708},{"text":"I had two phone calls to, you know, say you're running late.","start":20.814999,"end":23.474998,"sentiment":"neutral","sentiment_score":-0.039620469169070326}],"sentiment":"neutral","sentiment_score":-0.04477407597005367,"channel":1,"num_words":15,"start":20.175,"end":23.474998},{"sentences":[{"text":"Oh, thank you.","start":23.865,"end":24.904999,"sentiment":"neutral","sentiment_score":0.22887754440307617},{"text":"I'm so glad the team did that.","start":24.904999,"end":26.505001,"sentiment":"positive","sentiment_score":0.4530157617160252},{"text":"It's all good.","start":26.505001,"end":27.145,"sentiment":"neutral","sentiment_score":0.32096945742766064},{"text":"But, no, honestly, I do apologize.","start":27.145,"end":28.845001,"sentiment":"neutral","sentiment_score":-0.198837844034036},{"text":"It's not preferred at all.","start":28.904999,"end":30.45,"sentiment":"negative","sentiment_score":-0.5063708007335663}],"sentiment":"neutral","sentiment_score":0.045657094568014145,"channel":0,"num_words":24,"start":23.865,"end":30.45},{"sentences":[{"text":"They","start":30.890001,"end":31.130001,"sentiment":"neutral","sentiment_score":-0.2679116725921631}],"sentiment":"neutral","sentiment_score":-0.2679116725921631,"channel":1,"num_words":1,"start":30.890001,"end":31.130001},{"sentences":[{"text":"Just...","start":31.09,"end":31.59,"sentiment":"neutral","sentiment_score":-0.22331435978412628}],"sentiment":"neutral","sentiment_score":-0.22331435978412628,"channel":0,"num_words":1,"start":31.09,"end":31.59},{"sentences":[{"text":"said how slack you were and...","start":31.130001,"end":32.83,"sentiment":"neutral","sentiment_score":-0.2243217428525289}],"sentiment":"neutral","sentiment_score":-0.2243217428525289,"channel":1,"num_words":6,"start":31.130001,"end":32.83},{"sentences":[{"text":"Oh, of","start":33.010002,"end":33.25,"sentiment":"neutral","sentiment_score":-0.05138077028095722}],"sentiment":"neutral","sentiment_score":-0.05138077028095722,"channel":0,"num_words":2,"start":33.010002,"end":33.25},{"sentences":[{"text":"Yeah.","start":33.13,"end":33.63,"sentiment":"neutral","sentiment_score":-0.05031568929553032}],"sentiment":"neutral","sentiment_score":-0.05031568929553032,"channel":1,"num_words":1,"start":33.13,"end":33.63},{"sentences":[{"text":"course, they have.","start":33.25,"end":34.23,"sentiment":"neutral","sentiment_score":-0.0694291281203429}],"sentiment":"neutral","sentiment_score":-0.0694291281203429,"channel":0,"num_words":3,"start":33.25,"end":34.23},{"sentences":[{"text":"No.","start":34.49,"end":34.73,"sentiment":"neutral","sentiment_score":-0.1504543125629425},{"text":"They did not get in.","start":34.73,"end":36.11,"sentiment":"neutral","sentiment_score":-0.1700479954481125}],"sentiment":"neutral","sentiment_score":-0.16678238163391748,"channel":1,"num_words":6,"start":34.49,"end":36.11},{"sentences":[{"text":"Sounds about right.","start":36.13,"end":37.27,"sentiment":"neutral","sentiment_score":-0.0646675278743108},{"text":"No.","start":37.41,"end":37.73,"sentiment":"neutral","sentiment_score":-0.08107263594865799},{"text":"Honestly,","start":37.73,"end":38.13,"sentiment":"neutral","sentiment_score":-0.03794729709625244}],"sentiment":"neutral","sentiment_score":-0.06260450333356857,"channel":0,"num_words":5,"start":36.13,"end":38.13},{"sentences":[{"text":"Oh.","start":38.09,"end":38.59,"sentiment":"neutral","sentiment_score":0.04279236122965813}],"sentiment":"neutral","sentiment_score":0.04279236122965813,"channel":1,"num_words":1,"start":38.09,"end":38.59},{"sentences":[{"text":"it's all good.","start":38.13,"end":39.27,"sentiment":"neutral","sentiment_score":0.1087604487935702},{"text":"No.","start":41.49,"end":41.65,"sentiment":"neutral","sentiment_score":-0.03600401058793068},{"text":"No.","start":41.65,"end":41.81,"sentiment":"neutral","sentiment_score":-0.04046176373958587},{"text":"Honestly, the team here are fantastic and lovely, and I will message them to say I'm running a little bit late.","start":41.81,"end":46.705,"sentiment":"neutral","sentiment_score":0.24423992935390698},{"text":"Sorry, guys.","start":46.705,"end":47.265,"sentiment":"neutral","sentiment_score":0.027629492804408073}],"sentiment":"neutral","sentiment_score":0.19407546693193062,"channel":0,"num_words":28,"start":38.13,"end":47.265},{"sentences":[{"text":"Can you just follow-up?","start":47.265,"end":48.065,"sentiment":"neutral","sentiment_score":0.07992511335760355},{"text":"And they were more than happy to do so for me.","start":48.065,"end":50.225,"sentiment":"positive","sentiment_score":0.38406849855726416},{"text":"So, again, I apologize.","start":50.225,"end":51.685,"sentiment":"neutral","sentiment_score":0.04133622720837593},{"text":"I'd like to make sure I'm on time","start":51.825,"end":53.345,"sentiment":"neutral","sentiment_score":0.09123487025499344}],"sentiment":"neutral","sentiment_score":0.20146954846051005,"channel":0,"num_words":27,"start":47.265,"end":53.345},{"sentences":[{"text":"Nick.","start":53.28,"end":53.78,"sentiment":"neutral","sentiment_score":0.1527346670627594}],"sentiment":"neutral","sentiment_score":0.1527346670627594,"channel":1,"num_words":1,"start":53.28,"end":53.78},{"sentences":[{"text":"for everybody, but also wanna make sure that everyone gets, you know, the attention that they deserve as well.","start":53.345,"end":59.08,"sentiment":"neutral","sentiment_score":0.1930340885331756},{"text":"So I do apologize for running over in those last couple of calls there.","start":59.08,"end":62.940002,"sentiment":"neutral","sentiment_score":-0.05787474821720805}],"sentiment":"neutral","sentiment_score":0.08658791536634619,"channel":0,"num_words":33,"start":53.345,"end":62.940002},{"sentences":[{"text":"Can you ring up and cover for me, please?","start":63.36,"end":65.7,"sentiment":"neutral","sentiment_score":-0.012225401691264577},{"text":"No.","start":68.954994,"end":69.23499,"sentiment":"neutral","sentiment_score":-0.0435560941696167},{"text":"It's all good.","start":69.23499,"end":70.075,"sentiment":"neutral","sentiment_score":0.08173721407850583},{"text":"I totally","start":70.075,"end":70.795,"sentiment":"neutral","sentiment_score":0.21090951561927795}],"sentiment":"neutral","sentiment_score":0.0342297309388717,"channel":1,"num_words":15,"start":63.36,"end":70.795},{"sentences":[{"text":"All good.","start":70.465004,"end":71.285,"sentiment":"neutral","sentiment_score":0.2294764667749405}],"sentiment":"neutral","sentiment_score":0.2294764667749405,"channel":0,"num_words":2,"start":70.465004,"end":71.285},{"sentences":[{"text":"get it.","start":70.795,"end":71.534996,"sentiment":"neutral","sentiment_score":0.19854521751403809}],"sentiment":"neutral","sentiment_score":0.19854521751403809,"channel":1,"num_words":2,"start":70.795,"end":71.534996},{"sentences":[{"text":"Fantastic.","start":71.665,"end":72.165,"sentiment":"positive","sentiment_score":0.568497896194458},{"text":"Thank you so much for that.","start":72.465004,"end":74.165,"sentiment":"positive","sentiment_score":0.6002115706602732},{"text":"James, so we're going through your annual review today, and I've had a bit of a look at things.","start":74.225006,"end":78.065,"sentiment":"neutral","sentiment_score":0.20765689721232966},{"text":"There's definitely some advice I wanted to sort of look at doing to update things 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just to do a quick security check there with you as well, I am discussing your personal information.","start":109.375,"end":113.95,"sentiment":"neutral","sentiment_score":0.048272259729473216},{"text":"So just to confirm your full name, your date of birth, and address that I should have on file here for you.","start":113.95,"end":118.77,"sentiment":"neutral","sentiment_score":0.05089691569182006}],"sentiment":"neutral","sentiment_score":0.048569769908984504,"channel":0,"num_words":42,"start":107.775,"end":118.77},{"sentences":[{"text":"James Allen Keith Brown.","start":119.67,"end":121.03,"sentiment":"neutral","sentiment_score":0.009546618442982435},{"text":"Thirteenth 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through with me just so you can see the things that I'm talking about.","start":134.945,"end":144.70999,"sentiment":"neutral","sentiment_score":0.035571879014754906}],"sentiment":"neutral","sentiment_score":0.19601335985442767,"channel":0,"num_words":52,"start":130.145,"end":144.70999},{"sentences":[{"text":"Are you able to access your emails there at the moment at all?","start":145.09,"end":148.23,"sentiment":"neutral","sentiment_score":-0.008393848959643107},{"text":"If you can't, it's 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just sending through the documents via Odoo sign now for you.","start":154.185,"end":159.245,"sentiment":"neutral","sentiment_score":0.07412235004206498},{"text":"Hopefully, it pops through fairly quickly.","start":160.825,"end":163.005,"sentiment":"neutral","sentiment_score":0.13034052215516567},{"text":"Technology isn't always on our side.","start":163.145,"end":165.485,"sentiment":"neutral","sentiment_score":-0.1331235741575559}],"sentiment":"neutral","sentiment_score":0.037190632969141005,"channel":0,"num_words":25,"start":153.545,"end":165.485},{"sentences":[{"text":"Oh, I've had a big got here.","start":167.485,"end":174.17,"sentiment":"neutral","sentiment_score":-0.05302609609706061}],"sentiment":"neutral","sentiment_score":-0.05302609609706061,"channel":1,"num_words":7,"start":167.485,"end":174.17},{"sentences":[{"text":"And that should come through from Odoo Sign, and I believe it also comes through from Dana Taylor, which is 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money.","start":464.045,"end":465.405,"sentiment":"neutral","sentiment_score":-0.08115135431289673},{"text":"Do you feel like that's fairly appropriate?","start":465.405,"end":467.21002,"sentiment":"neutral","sentiment_score":-0.043547523873192925},{"text":"Did you wanna kind of review that at all, or how do you feel about that?","start":467.35,"end":470.89,"sentiment":"neutral","sentiment_score":-0.041948956437408924}],"sentiment":"neutral","sentiment_score":-0.04934902648840632,"channel":0,"num_words":28,"start":464.045,"end":470.89},{"sentences":[{"text":"Yeah.","start":474.08002,"end":474.56,"sentiment":"neutral","sentiment_score":-0.029615137726068497},{"text":"It's...","start":474.56,"end":475.06,"sentiment":"neutral","sentiment_score":-0.06753376126289368},{"text":"I don't know.","start":476.4,"end":477.04,"sentiment":"neutral","sentiment_score":-0.11597845951716106},{"text":"I haven't thought about it that way, 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Bannalung at the moment, it is definitely worth removing them from your portfolio.","start":1129.615,"end":1136.595,"sentiment":"negative","sentiment_score":-0.35085297926612524},{"text":"What I wanna...","start":1137.3401,"end":1138.06,"sentiment":"neutral","sentiment_score":-0.022456562456985314},{"text":"Sort of wanted to gauge from you is to look at whether you have a preference on how you'd like your portfolios to be built because we have lots of different ways to invest.","start":1138.06,"end":1146.16,"sentiment":"neutral","sentiment_score":0.0589386906255694}],"sentiment":"neutral","sentiment_score":-0.18575639507370229,"channel":0,"num_words":118,"start":1111.33,"end":1146.16},{"sentences":[{"text":"We can replace that with another active manager.","start":1146.62,"end":1149.28,"sentiment":"neutral","sentiment_score":0.09940162394195795},{"text":"There's no guarantees they'll be able to outperform against the market.","start":1149.605,"end":1152.725,"sentiment":"neutral","sentiment_score":0.04864323410120877},{"text":"They could have internal issues as well.","start":1152.725,"end":1155.545,"sentiment":"neutral","sentiment_score":-0.03195408678480557},{"text":"And often, you pay a little bit more in fees to have an investment manager or an active investment manager in your portfolio.","start":1155.605,"end":1161.385,"sentiment":"neutral","sentiment_score":-0.00808893727219623},{"text":"The other option I could look at if you would like to is looking at lowering investment fees within your portfolio and maybe having more of a passively managed portfolio.","start":1162.08,"end":1170.34,"sentiment":"neutral","sentiment_score":0.141060092796882}],"sentiment":"neutral","sentiment_score":0.06521983779495276,"channel":0,"num_words":79,"start":1146.62,"end":1170.34},{"sentences":[{"text":"A passive manager is trying to just, essentially, follow an 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portfolio rather than trying to time the market.","start":1189.9,"end":1198.08,"sentiment":"positive","sentiment_score":0.43306682527065277},{"text":"Thinking about your super and what you'd like to see, how do you feel about that?","start":1198.46,"end":1202.255,"sentiment":"neutral","sentiment_score":0.27115797996520996},{"text":"What would you like to see?","start":1202.255,"end":1203.615,"sentiment":"neutral","sentiment_score":0.13648708164691925},{"text":"And do","start":1203.615,"end":1204.015,"sentiment":"neutral","sentiment_score":0.008937753736972809}],"sentiment":"neutral","sentiment_score":0.32657135323602327,"channel":0,"num_words":49,"start":1189.9,"end":1204.015},{"sentences":[{"text":"So","start":1203.995,"end":1204.315,"sentiment":"neutral","sentiment_score":0.029514454305171967}],"sentiment":"neutral","sentiment_score":0.029514454305171967,"channel":1,"num_words":1,"start":1203.995,"end":1204.315},{"sentences":[{"text":"you have 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would you sort of...","start":1213.695,"end":1214.735,"sentiment":"neutral","sentiment_score":0.03568934202194214},{"text":"How would you like to see things?","start":1214.735,"end":1216.23,"sentiment":"neutral","sentiment_score":0.08401026310665267},{"text":"And you're welcome to ask more questions if you need to.","start":1216.5499,"end":1218.95,"sentiment":"neutral","sentiment_score":0.25455827198245307},{"text":"Absolutely 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term.","start":1252.4,"end":1260.4199,"sentiment":"neutral","sentiment_score":0.2023897571489215},{"text":"It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track.","start":1261.065,"end":1268.825,"sentiment":"positive","sentiment_score":0.4976482939720154},{"text":"Would you like to look at that as an option, or how do you sort","start":1268.825,"end":1271.865,"sentiment":"neutral","sentiment_score":0.08236690660317739}],"sentiment":"neutral","sentiment_score":0.22258459416722567,"channel":0,"num_words":96,"start":1242.515,"end":1271.865},{"sentences":[{"text":"Yeah.","start":1271.79,"end":1272.03,"sentiment":"neutral","sentiment_score":0.04093243181705475}],"sentiment":"neutral","sentiment_score":0.04093243181705475,"channel":1,"num_words":1,"start":1271.79,"end":1272.03},{"sentences":[{"text":"of 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to sort of look at having more of an...","start":1293.795,"end":1296.275,"sentiment":"neutral","sentiment_score":0.026101489049883988},{"text":"Having another active manager in that?","start":1296.275,"end":1297.795,"sentiment":"neutral","sentiment_score":0.028860098992784817},{"text":"I'm happy to do either depending on your preference.","start":1297.795,"end":1299.875,"sentiment":"neutral","sentiment_score":0.15450303256511688},{"text":"How do you feel about that?","start":1299.875,"end":1301.19,"sentiment":"neutral","sentiment_score":0.07895480965574582}],"sentiment":"neutral","sentiment_score":0.06990400301840376,"channel":0,"num_words":34,"start":1293.795,"end":1301.19},{"sentences":[{"text":"No.","start":1302.2,"end":1302.36,"sentiment":"neutral","sentiment_score":-0.132841095328331},{"text":"Probably a pass 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your super fund as well as all the investments in that for you.","start":1308.07,"end":1313.0499,"sentiment":"neutral","sentiment_score":0.23247110614409813},{"text":"There are some other changes I'd like to maybe look at your portfolio as well.","start":1313.445,"end":1317.2849,"sentiment":"neutral","sentiment_score":0.11045587807893753},{"text":"So you'll see here you've also...","start":1317.2849,"end":1318.965,"sentiment":"neutral","sentiment_score":0.047497243310014405},{"text":"Underneath that banner along, you've got some bank hybrids.","start":1318.965,"end":1321.5449,"sentiment":"neutral","sentiment_score":0.02915248419675562}],"sentiment":"neutral","sentiment_score":0.1531257772197326,"channel":0,"num_words":57,"start":1307.4299,"end":1321.5449},{"sentences":[{"text":"These are more of a defensive 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understand.","start":1338.15,"end":1345.115,"sentiment":"neutral","sentiment_score":0.16312025899165555},{"text":"So these actually have an expiry.","start":1345.735,"end":1347.995,"sentiment":"neutral","sentiment_score":-0.02362818146745364},{"text":"I would like to maybe look at removing them now and replacing them with some other defensive investment while we're making changes to your portfolio rather than down the track when we have to make changes, removing them quicker.","start":1348.6951,"end":1360.25,"sentiment":"neutral","sentiment_score":0.1344127662670918}],"sentiment":"neutral","sentiment_score":0.1601825697390839,"channel":0,"num_words":86,"start":1331.59,"end":1360.25},{"sentences":[{"text":"Are you comfortable with me looking at that for you as 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you've got the Van Eck property.","start":1588.59,"end":1590.4299,"sentiment":"neutral","sentiment_score":-0.06151741184294224},{"text":"Now this is giving you access and exposure to listed property.","start":1590.4299,"end":1593.57,"sentiment":"neutral","sentiment_score":-0.11905221844261343},{"text":"Property has taken a bit of a hit.","start":1594.675,"end":1596.3551,"sentiment":"negative","sentiment_score":-0.4686134271323681}],"sentiment":"neutral","sentiment_score":-0.18122139170525536,"channel":0,"num_words":31,"start":1586.91,"end":1596.3551},{"sentences":[{"text":"So this investment is down.","start":1596.3551,"end":1598.055,"sentiment":"neutral","sentiment_score":-0.3314559102058411},{"text":"Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit.","start":1599.155,"end":1605.4751,"sentiment":"negative","sentiment_score":-0.4705833300948143},{"text":"So we are seeing that down a little bit at the moment.","start":1605.4751,"end":1608.2151,"sentiment":"negative","sentiment_score":-0.402377928296725},{"text":"I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it.","start":1608.89,"end":1614.83,"sentiment":"neutral","sentiment_score":-0.17146973142569716},{"text":"Realistically, we don't want to, you know, sell all the investments when they are down.","start":1615.21,"end":1620.01,"sentiment":"neutral","sentiment_score":-0.30447398126125336}],"sentiment":"neutral","sentiment_score":-0.3275260149023017,"channel":0,"num_words":74,"start":1596.3551,"end":1620.01},{"sentences":[{"text":"We wanna allow them to come back and recover where possible.","start":1620.01,"end":1623.07,"sentiment":"neutral","sentiment_score":-0.23368433524261822},{"text":"But within...","start":1624.4451,"end":1625.185,"sentiment":"neutral","sentiment_score":-0.09667035564780235},{"text":"Your property could be down for a while, and there might be another way to give you exposure to property without holding the investment there.","start":1625.485,"end":1632.4651,"sentiment":"neutral","sentiment_score":-0.3188615757226944},{"text":"Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you.","start":1632.765,"end":1644.7,"sentiment":"neutral","sentiment_score":0.11740377290946681}],"sentiment":"neutral","sentiment_score":-0.07496016585751425,"channel":0,"num_words":79,"start":1620.01,"end":1644.7},{"sentences":[{"text":"Yep.","start":1645.36,"end":1645.86,"sentiment":"neutral","sentiment_score":0.17841652035713196}],"sentiment":"neutral","sentiment_score":0.17841652035713196,"channel":1,"num_words":1,"start":1645.36,"end":1645.86},{"sentences":[{"text":"Yep.","start":1646.36,"end":1646.76,"sentiment":"neutral","sentiment_score":0.14493344724178314},{"text":"Do you have any questions about any of those investments at all so far?","start":1646.76,"end":1650.38,"sentiment":"neutral","sentiment_score":0.10637540742754936}],"sentiment":"neutral","sentiment_score":0.10894594341516495,"channel":0,"num_words":15,"start":1646.36,"end":1650.38},{"sentences":[{"text":"Only...","start":1658.0651,"end":1658.5651,"sentiment":"neutral","sentiment_score":-0.0025251340121030807},{"text":"Oh, the physical gold one.","start":1658.625,"end":1660.405,"sentiment":"neutral","sentiment_score":0.011090375110507011},{"text":"Yeah.","start":1661.185,"end":1661.425,"sentiment":"neutral","sentiment_score":0.02381070703268051},{"text":"Income","start":1661.425,"end":1661.8251,"sentiment":"neutral","sentiment_score":0.011805489659309387}],"sentiment":"neutral","sentiment_score":0.011067867279052734,"channel":1,"num_words":8,"start":1658.0651,"end":1661.8251},{"sentences":[{"text":"Yeah.","start":1661.615,"end":1662.115,"sentiment":"neutral","sentiment_score":0.008407814428210258}],"sentiment":"neutral","sentiment_score":0.008407814428210258,"channel":0,"num_words":1,"start":1661.615,"end":1662.115},{"sentences":[{"text":"in period zero.","start":1661.8251,"end":1662.865,"sentiment":"neutral","sentiment_score":-0.01700166054069996},{"text":"What the hell?","start":1662.865,"end":1663.685,"sentiment":"neutral","sentiment_score":-0.10479304442803065}],"sentiment":"neutral","sentiment_score":-0.06089735248436531,"channel":1,"num_words":6,"start":1661.8251,"end":1663.685},{"sentences":[{"text":"So a physical gold doesn't pay any income.","start":1664.255,"end":1666.9149,"sentiment":"neutral","sentiment_score":-0.08441184042021632},{"text":"So income is","start":1667.1499,"end":1667.87,"sentiment":"neutral","sentiment_score":-0.015126489102840424}],"sentiment":"neutral","sentiment_score":-0.06551583551547745,"channel":0,"num_words":11,"start":1664.255,"end":1667.87},{"sentences":[{"text":"Oh, okay.","start":1667.76,"end":1668.3401,"sentiment":"neutral","sentiment_score":0.044793834909796715}],"sentiment":"neutral","sentiment_score":0.044793834909796715,"channel":1,"num_words":2,"start":1667.76,"end":1668.3401},{"sentences":[{"text":"essentially looking at dividends that are being paid at.","start":1667.87,"end":1670.2699,"sentiment":"neutral","sentiment_score":0.07032001929150687},{"text":"And between all those investments, they all pay dividends throughout the course of the year, which is fantastic because dividends are paid to your cash account, and then that money is reinvested back in your portfolio.","start":1670.2699,"end":1681.09,"sentiment":"neutral","sentiment_score":0.28707089254425633},{"text":"But commodities like physical gold and silver, they actually don't pay dividends.","start":1681.95,"end":1686.0851,"sentiment":"neutral","sentiment_score":-0.13649749321242174},{"text":"They're not...","start":1686.0851,"end":1686.485,"sentiment":"neutral","sentiment_score":-0.08480437844991684},{"text":"It's not income production...","start":1686.485,"end":1687.9451,"sentiment":"neutral","sentiment_score":-0.10177409648895264}],"sentiment":"neutral","sentiment_score":0.13893265466368387,"channel":0,"num_words":63,"start":1667.87,"end":1687.9451},{"sentences":[{"text":"Yep.","start":1688.315,"end":1688.815,"sentiment":"neutral","sentiment_score":-0.064784936606884}],"sentiment":"neutral","sentiment_score":-0.064784936606884,"channel":1,"num_words":1,"start":1688.315,"end":1688.815},{"sentences":[{"text":"No.","start":1688.485,"end":1688.645,"sentiment":"neutral","sentiment_score":-0.12949004769325256},{"text":"Sorry.","start":1688.645,"end":1688.9651,"sentiment":"neutral","sentiment_score":-0.11518681049346924}],"sentiment":"neutral","sentiment_score":-0.1223384290933609,"channel":0,"num_words":2,"start":1688.485,"end":1688.9651},{"sentences":[{"text":"Okay.","start":1688.955,"end":1689.455,"sentiment":"neutral","sentiment_score":-0.08546182513237}],"sentiment":"neutral","sentiment_score":-0.08546182513237,"channel":1,"num_words":1,"start":1688.955,"end":1689.455},{"sentences":[{"text":"Non income producing asset.","start":1688.9651,"end":1690.505,"sentiment":"neutral","sentiment_score":-0.10171772725880146},{"text":"So it only gets growth.","start":1690.645,"end":1692.165,"sentiment":"neutral","sentiment_score":-0.09176796674728394},{"text":"And that's why it's always good to have a bit of those sorts of investments, but you don't wanna have only those.","start":1692.165,"end":1697.125,"sentiment":"neutral","sentiment_score":0.058663598134775057},{"text":"You wanna sort of incorporate some income production out of your portfolio as well.","start":1697.125,"end":1701.39,"sentiment":"neutral","sentiment_score":0.10539346135088376},{"text":"Does that make sense?","start":1701.39,"end":1702.45,"sentiment":"neutral","sentiment_score":0.06620107404887676}],"sentiment":"neutral","sentiment_score":0.044187779006149085,"channel":0,"num_words":49,"start":1688.9651,"end":1702.45},{"sentences":[{"text":"Okay.","start":1702.03,"end":1702.53,"sentiment":"neutral","sentiment_score":0.04409003257751465},{"text":"Yep.","start":1702.75,"end":1703.25,"sentiment":"neutral","sentiment_score":0.04817039519548416}],"sentiment":"neutral","sentiment_score":0.046130213886499405,"channel":1,"num_words":2,"start":1702.03,"end":1703.25},{"sentences":[{"text":"Yeah.","start":1703.23,"end":1703.73,"sentiment":"neutral","sentiment_score":0.03867714479565621}],"sentiment":"neutral","sentiment_score":0.03867714479565621,"channel":0,"num_words":1,"start":1703.23,"end":1703.73},{"sentences":[{"text":"I'm","start":1703.725,"end":1703.965,"sentiment":"neutral","sentiment_score":0.007473703473806381}],"sentiment":"neutral","sentiment_score":0.007473703473806381,"channel":1,"num_words":1,"start":1703.725,"end":1703.965},{"sentences":[{"text":"Yeah.","start":1703.87,"end":1704.37,"sentiment":"neutral","sentiment_score":0.0036054905503988266}],"sentiment":"neutral","sentiment_score":0.0036054905503988266,"channel":0,"num_words":1,"start":1703.87,"end":1704.37},{"sentences":[{"text":"just seeing a big zero in the middle.","start":1703.965,"end":1705.4049,"sentiment":"neutral","sentiment_score":-0.03852607915177941},{"text":"I'm like, what the...","start":1705.4049,"end":1706.445,"sentiment":"neutral","sentiment_score":-0.05694781802594662},{"text":"Yeah.","start":1706.445,"end":1706.945,"sentiment":"neutral","sentiment_score":0.04845964536070824}],"sentiment":"neutral","sentiment_score":-0.03750309691979335,"channel":1,"num_words":13,"start":1703.965,"end":1706.945},{"sentences":[{"text":"Absolutely.","start":1706.83,"end":1707.33,"sentiment":"neutral","sentiment_score":0.106666699051857}],"sentiment":"neutral","sentiment_score":0.106666699051857,"channel":0,"num_words":1,"start":1706.83,"end":1707.33},{"sentences":[{"text":"Okay.","start":1707.0049,"end":1707.5049,"sentiment":"neutral","sentiment_score":0.08310329914093018}],"sentiment":"neutral","sentiment_score":0.08310329914093018,"channel":1,"num_words":1,"start":1707.0049,"end":1707.5049},{"sentences":[{"text":"That is a great question.","start":1707.95,"end":1709.17,"sentiment":"neutral","sentiment_score":0.21154023408889772}],"sentiment":"neutral","sentiment_score":0.21154023408889772,"channel":0,"num_words":5,"start":1707.95,"end":1709.17},{"sentences":[{"text":"Why?","start":1710.605,"end":1711.085,"sentiment":"neutral","sentiment_score":-0.07949373126029968},{"text":"Tell me why.","start":1711.085,"end":1711.8849,"sentiment":"neutral","sentiment_score":-0.09994116673866908},{"text":"No.","start":1711.8849,"end":1712.2849,"sentiment":"neutral","sentiment_score":-0.2171473652124405},{"text":"No.","start":1712.2849,"end":1712.605,"sentiment":"neutral","sentiment_score":-0.24103675782680511},{"text":"It makes sense because it doesn't actually do anything.","start":1712.605,"end":1714.5249,"sentiment":"neutral","sentiment_score":-0.19543887012534672}],"sentiment":"neutral","sentiment_score":-0.1730967457095782,"channel":1,"num_words":15,"start":1710.605,"end":1714.5249},{"sentences":[{"text":"It just sits there and...","start":1714.5249,"end":1715.485,"sentiment":"neutral","sentiment_score":-0.15986228883266448},{"text":"Yeah.","start":1715.485,"end":1715.985,"sentiment":"neutral","sentiment_score":0.04176374524831772}],"sentiment":"neutral","sentiment_score":-0.12625794981916746,"channel":1,"num_words":6,"start":1714.5249,"end":1715.985},{"sentences":[{"text":"It does.","start":1715.775,"end":1716.515,"sentiment":"neutral","sentiment_score":0.04960234649479389}],"sentiment":"neutral","sentiment_score":0.04960234649479389,"channel":0,"num_words":2,"start":1715.775,"end":1716.515},{"sentences":[{"text":"Okay.","start":1716.2849,"end":1716.7849,"sentiment":"neutral","sentiment_score":0.04039672762155533}],"sentiment":"neutral","sentiment_score":0.04039672762155533,"channel":1,"num_words":1,"start":1716.2849,"end":1716.7849},{"sentences":[{"text":"Exactly.","start":1717.0549,"end":1717.5549,"sentiment":"neutral","sentiment_score":0.0706823393702507},{"text":"Yeah.","start":1717.615,"end":1717.9349,"sentiment":"neutral","sentiment_score":-0.05050487443804741},{"text":"If you go down to the next page of that one, so scroll down, you'll see there's a second page, and it basically correlates the returns seen from your entire","start":1717.9349,"end":1727.075,"sentiment":"neutral","sentiment_score":0.08308498362700144}],"sentiment":"neutral","sentiment_score":0.07852271792944521,"channel":0,"num_words":32,"start":1717.0549,"end":1727.075},{"sentences":[{"text":"Yep.","start":1728.8201,"end":1729.3201,"sentiment":"neutral","sentiment_score":0.139523446559906}],"sentiment":"neutral","sentiment_score":0.139523446559906,"channel":1,"num_words":1,"start":1728.8201,"end":1729.3201},{"sentences":[{"text":"portfolio.","start":1729.4199,"end":1729.82,"sentiment":"neutral","sentiment_score":0.11870431900024414},{"text":"Yeah.","start":1729.82,"end":1730.32,"sentiment":"neutral","sentiment_score":0.1342453807592392},{"text":"So when we look at this, it shows you the market value at the beginning.","start":1730.38,"end":1733.9,"sentiment":"neutral","sentiment_score":0.17080707053343455},{"text":"So this time last year, showing you had $381,501.46.","start":1733.9,"end":1739.835,"sentiment":"neutral","sentiment_score":0.19462844894991982},{"text":"Then we've got deposits.","start":1739.995,"end":1741.115,"sentiment":"neutral","sentiment_score":0.14567697793245316}],"sentiment":"neutral","sentiment_score":0.1716473236680031,"channel":0,"num_words":30,"start":1729.4199,"end":1741.115},{"sentences":[{"text":"So this is a combination of money going in from dividends as well as contributions, and all the other, you know, you get rebates and things as well.","start":1741.115,"end":1748.735,"sentiment":"neutral","sentiment_score":0.2627950156373637},{"text":"And then withdrawals essentially looks at money coming out for taxes, for CDT because your super fund also pays taxes as well as insurance premiums and anything there.","start":1749.2749,"end":1760.64,"sentiment":"neutral","sentiment_score":0.16551077232829162},{"text":"And then you've got your end market value.","start":1761.18,"end":1763.74,"sentiment":"neutral","sentiment_score":0.1264033718034625},{"text":"So that's the balance within your super at...","start":1763.74,"end":1766.22,"sentiment":"neutral","sentiment_score":0.09497512504458427},{"text":"As at the twenty eighth of the ninth.","start":1766.22,"end":1768.16,"sentiment":"neutral","sentiment_score":0.1359354965388775}],"sentiment":"neutral","sentiment_score":0.18563842512667178,"channel":0,"num_words":80,"start":1741.115,"end":1768.16},{"sentences":[{"text":"The next one is the income, and that shows that within this last twelve months, your portfolio has generated total income from all the investments above of $13,773.15, which is pretty good income.","start":1768.425,"end":1784.0,"sentiment":"neutral","sentiment_score":0.3219469487667084}],"sentiment":"neutral","sentiment_score":0.3219469487667084,"channel":0,"num_words":33,"start":1768.425,"end":1784.0},{"sentences":[{"text":"Alright.","start":1784.9299,"end":1785.4299,"sentiment":"neutral","sentiment_score":0.29062145948410034}],"sentiment":"neutral","sentiment_score":0.29062145948410034,"channel":1,"num_words":1,"start":1784.9299,"end":1785.4299},{"sentences":[{"text":"Yeah.","start":1785.98,"end":1786.48,"sentiment":"neutral","sentiment_score":0.2230805903673172},{"text":"Then you've got the growth.","start":1786.78,"end":1788.14,"sentiment":"neutral","sentiment_score":0.1160661056637764},{"text":"So when we look at returns, it's a combination of growth and income.","start":1788.14,"end":1791.92,"sentiment":"neutral","sentiment_score":0.10794906146251239},{"text":"This is showing that over the past twelve months, the growth within the portfolio has been $7,856.70.","start":1792.3,"end":1801.045,"sentiment":"neutral","sentiment_score":0.12058567080427618},{"text":"So it does show the growth is definitely less than what the income has been produced, and that is a lot to do with the fact that Bennelong is down and your property is down as well.","start":1801.045,"end":1811.25,"sentiment":"neutral","sentiment_score":-0.2657801287399756}],"sentiment":"neutral","sentiment_score":-0.07639944441106221,"channel":0,"num_words":73,"start":1785.98,"end":1811.25},{"sentences":[{"text":"Those two investments seem to be holding your portfolio back a little bit at the moment there.","start":1811.25,"end":1816.15,"sentiment":"negative","sentiment_score":-0.43131692970500274},{"text":"But","start":1816.85,"end":1817.35,"sentiment":"neutral","sentiment_score":-0.05847584083676338}],"sentiment":"negative","sentiment_score":-0.41060353587898946,"channel":0,"num_words":18,"start":1811.25,"end":1817.35},{"sentences":[{"text":"Right.","start":1817.185,"end":1817.685,"sentiment":"neutral","sentiment_score":0.008696889504790306}],"sentiment":"neutral","sentiment_score":0.008696889504790306,"channel":1,"num_words":1,"start":1817.185,"end":1817.685},{"sentences":[{"text":"the next column is your total earnings.","start":1817.4099,"end":1819.89,"sentiment":"neutral","sentiment_score":0.048233963016952784},{"text":"So this is a combination of your income plus your growth within the last twelve months, and it shows that within your portfolio, that's over $21,629.85.","start":1819.89,"end":1831.9451,"sentiment":"neutral","sentiment_score":0.10392747475550725}],"sentiment":"neutral","sentiment_score":0.09211369953823811,"channel":0,"num_words":33,"start":1817.4099,"end":1831.9451},{"sentences":[{"text":"Yep.","start":1832.89,"end":1833.39,"sentiment":"neutral","sentiment_score":0.10190553963184357}],"sentiment":"neutral","sentiment_score":0.10190553963184357,"channel":1,"num_words":1,"start":1832.89,"end":1833.39},{"sentences":[{"text":"Yep.","start":1833.765,"end":1834.245,"sentiment":"neutral","sentiment_score":0.12435170263051988},{"text":"And as a percentage, the return is about 3.54%.","start":1834.245,"end":1838.665,"sentiment":"neutral","sentiment_score":0.13706713749302757},{"text":"So, realistically, the return is a lot lower than where I would like it to be.","start":1838.7251,"end":1843.4199,"sentiment":"neutral","sentiment_score":-0.15242587681859732},{"text":"With your portfolio","start":1843.5599,"end":1844.5399,"sentiment":"neutral","sentiment_score":0.09272839625676473}],"sentiment":"neutral","sentiment_score":-0.027678375871017062,"channel":0,"num_words":29,"start":1833.765,"end":1844.5399},{"sentences":[{"text":"Yep.","start":1844.09,"end":1844.59,"sentiment":"neutral","sentiment_score":0.16862580180168152}],"sentiment":"neutral","sentiment_score":0.16862580180168152,"channel":1,"num_words":1,"start":1844.09,"end":1844.59},{"sentences":[{"text":"and the way this is, you're in a growth growth portfolio.","start":1844.84,"end":1848.14,"sentiment":"neutral","sentiment_score":0.19157095524397763},{"text":"So that is essentially seeing 80% of your super invested in those growth higher risk investments like shares and property and gold and commodities because that's where you see a lot of the growth from.","start":1848.36,"end":1860.6849,"sentiment":"neutral","sentiment_score":0.23001060842403342},{"text":"However, at times when the market is volatile and down and up and like what we've seen this year, you can also expect lower rates of returns from those sorts of investments.","start":1860.745,"end":1869.97,"sentiment":"neutral","sentiment_score":-0.13956613442860544},{"text":"And that's essentially what's happened here.","start":1870.03,"end":1871.87,"sentiment":"neutral","sentiment_score":-0.10844121128320694},{"text":"It's a combination of the volatility, what's been happening globally in your portfolio, but then also the fact that the government's also made those changes with the property.","start":1871.87,"end":1880.865,"sentiment":"neutral","sentiment_score":-0.08790752930300576}],"sentiment":"neutral","sentiment_score":0.02303104832701917,"channel":0,"num_words":112,"start":1844.84,"end":1880.865},{"sentences":[{"text":"So your property side of things is down holding your portfolio back.","start":1880.9249,"end":1884.7849,"sentiment":"neutral","sentiment_score":-0.22911783928672472},{"text":"And then that actively managed fund, that's been a long investment.","start":1884.9249,"end":1887.9049,"sentiment":"neutral","sentiment_score":-0.17196726257150824},{"text":"That's not performing great as well.","start":1887.965,"end":1889.485,"sentiment":"negative","sentiment_score":-0.4723313997189204},{"text":"They've had some internal issues there.","start":1889.485,"end":1891.645,"sentiment":"neutral","sentiment_score":-0.3279904176791509},{"text":"So those two investments have sorta held things back a little bit.","start":1891.645,"end":1894.44,"sentiment":"negative","sentiment_score":-0.3350974867741267}],"sentiment":"neutral","sentiment_score":-0.2864713767107497,"channel":0,"num_words":47,"start":1880.9249,"end":1894.44},{"sentences":[{"text":"Your percentage is definitely lower than where I would like it to be.","start":1894.44,"end":1897.6599,"sentiment":"neutral","sentiment_score":-0.3314835520891043},{"text":"However,","start":1898.12,"end":1898.6,"sentiment":"neutral","sentiment_score":-0.00955350697040558}],"sentiment":"neutral","sentiment_score":-0.3084885488663401,"channel":0,"num_words":14,"start":1894.44,"end":1898.6},{"sentences":[{"text":"Yep.","start":1898.4149,"end":1898.9149,"sentiment":"neutral","sentiment_score":0.05670881271362305}],"sentiment":"neutral","sentiment_score":0.05670881271362305,"channel":1,"num_words":1,"start":1898.4149,"end":1898.9149},{"sentences":[{"text":"as much as it's a 3% return, it does show 3% gives you over $21,000 in income and growth.","start":1898.6,"end":1905.64,"sentiment":"neutral","sentiment_score":0.2851756811141968},{"text":"So, you know, if we had have been able to get from this year, you know, a nine or 10 or 11% return, you could imagine the earnings would have been a lot bigger on that side of 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Bali.","start":2148.3848,"end":2149.105,"sentiment":"neutral","sentiment_score":-0.013454602099955082}],"sentiment":"neutral","sentiment_score":-0.013454602099955082,"channel":1,"num_words":2,"start":2148.3848,"end":2149.105},{"sentences":[{"text":"day,","start":2148.6602,"end":2149.1602,"sentiment":"neutral","sentiment_score":-0.005927525460720062}],"sentiment":"neutral","sentiment_score":-0.005927525460720062,"channel":0,"num_words":1,"start":2148.6602,"end":2149.1602},{"sentences":[{"text":"$5 for a shirt.","start":2149.105,"end":2150.065,"sentiment":"neutral","sentiment_score":0.023938948288559914},{"text":"That's it.","start":2150.065,"end":2150.8848,"sentiment":"neutral","sentiment_score":0.014919396489858627}],"sentiment":"neutral","sentiment_score":0.020932431022326153,"channel":1,"num_words":6,"start":2149.105,"end":2150.8848},{"sentences":[{"text":"the bingtang singlet.","start":2151.4602,"end":2152.6802,"sentiment":"neutral","sentiment_score":0.02057982577631871}],"sentiment":"neutral","sentiment_score":0.02057982577631871,"channel":0,"num_words":3,"start":2151.4602,"end":2152.6802},{"sentences":[{"text":"Sorry.","start":2152.545,"end":2153.045,"sentiment":"neutral","sentiment_score":-0.06552191078662872}],"sentiment":"neutral","sentiment_score":-0.06552191078662872,"channel":1,"num_words":1,"start":2152.545,"end":2153.045},{"sentences":[{"text":"No.","start":2153.86,"end":2154.1,"sentiment":"neutral","sentiment_score":-0.06507232785224915},{"text":"You're fine.","start":2154.1,"end":2155.0,"sentiment":"neutral","sentiment_score":0.033996212761849165},{"text":"If that shirt was to go on sale the next day and it's down 50% to $25, you know, you look at it and you go, wow.","start":2156.4202,"end":2163.4548,"sentiment":"neutral","sentiment_score":0.011046623362711182},{"text":"Same same shirt.","start":2163.4548,"end":2164.4949,"sentiment":"neutral","sentiment_score":-0.0077817800144354505},{"text":"I could've bought two for the same amount of money if I'd held off.","start":2164.4949,"end":2167.7148,"sentiment":"neutral","sentiment_score":-0.027775687165558338}],"sentiment":"neutral","sentiment_score":-0.002362255997797276,"channel":0,"num_words":47,"start":2153.86,"end":2167.7148},{"sentences":[{"text":"The same thing works with investing.","start":2168.255,"end":2170.195,"sentiment":"neutral","sentiment_score":0.1688273809850216},{"text":"If you were to say...","start":2170.415,"end":2171.375,"sentiment":"neutral","sentiment_score":0.050439778715372086},{"text":"If I use the S and P 500 as an example, if that investment is, say, you buy in and the units of that investment are $50 per unit, if your super contributions go in and it's more than a $100, then you put a $100 into that investment.","start":2171.375,"end":2187.21,"sentiment":"neutral","sentiment_score":0.09310789672391755},{"text":"You get two units of that investment.","start":2187.465,"end":2189.3252,"sentiment":"neutral","sentiment_score":0.12543136307171412},{"text":"The next week, your super contributions go in.","start":2189.625,"end":2192.2651,"sentiment":"neutral","sentiment_score":0.04499919665977359}],"sentiment":"neutral","sentiment_score":0.09420617644985517,"channel":0,"num_words":75,"start":2168.255,"end":2192.2651},{"sentences":[{"text":"If the market's taken a bit of a dip and that investment is worth $25, that same $100 buys you four units of that investment.","start":2192.2651,"end":2200.125,"sentiment":"neutral","sentiment_score":0.08576207831501961},{"text":"And then as the market comes out, you've bought some units really cheap.","start":2200.4001,"end":2203.84,"sentiment":"neutral","sentiment_score":0.2252605534516848},{"text":"You actually take advantage of that.","start":2203.84,"end":2205.6802,"sentiment":"positive","sentiment_score":0.3720423181851705},{"text":"It's a way to buy low and sell high without actually having to time the market.","start":2205.6802,"end":2210.26,"sentiment":"neutral","sentiment_score":0.21191761270165443},{"text":"And so what we wanna do is we wanna take advantage of the ups and downs in the market.","start":2210.48,"end":2214.82,"sentiment":"neutral","sentiment_score":0.2740472304193597}],"sentiment":"neutral","sentiment_score":0.20129458535509773,"channel":0,"num_words":79,"start":2192.2651,"end":2214.82},{"sentences":[{"text":"And that's why we stay invested through the downtimes and keep investing through the ups and downs in the market.","start":2215.335,"end":2221.9749,"sentiment":"neutral","sentiment_score":0.18220408968627452},{"text":"And you'll find over the course of, you know, five, ten, fifteen, twenty years, it actually provides a really great benefit.","start":2221.9749,"end":2228.215,"sentiment":"positive","sentiment_score":0.6510973615305764},{"text":"And that's how we grow our super to the levels that we want to do.","start":2228.215,"end":2232.0,"sentiment":"positive","sentiment_score":0.6900869925816854},{"text":"That's how we take advantage of the ups and downs the market sees.","start":2232.0,"end":2235.1401,"sentiment":"neutral","sentiment_score":0.2679874816766152},{"text":"But it is all easy to say that's what we wanna do, but it is really hard.","start":2235.6,"end":2239.9202,"sentiment":"neutral","sentiment_score":-0.03679282399003997}],"sentiment":"positive","sentiment_score":0.35496268056463015,"channel":0,"num_words":86,"start":2215.335,"end":2239.9202},{"sentences":[{"text":"When we see things going down, it does make us feel very nervous as human 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might not be working very well, that we do expect the return to be lower than that seven mark.","start":2371.23,"end":2382.83,"sentiment":"neutral","sentiment_score":-0.21151737305449275},{"text":"So it's about just kinda reviewing things and, you know, looking at and making sure you're comfortable there.","start":2382.83,"end":2387.905,"sentiment":"neutral","sentiment_score":0.11373016196820471},{"text":"Thinking about that level of exposure, are you still comfortable with that?","start":2388.2852,"end":2392.0452,"sentiment":"neutral","sentiment_score":0.044959656894207}],"sentiment":"neutral","sentiment_score":-0.1127739318839784,"channel":0,"num_words":106,"start":2359.255,"end":2392.0452},{"sentences":[{"text":"Did you wanna look at maybe reducing your exposure or reducing your risk level?","start":2392.0452,"end":2396.7651,"sentiment":"neutral","sentiment_score":-0.0006460560751812798},{"text":"How do you feel about that?","start":2396.7651,"end":2398.225,"sentiment":"neutral","sentiment_score":-0.028768092393875122}],"sentiment":"neutral","sentiment_score":-0.009082666970789433,"channel":0,"num_words":20,"start":2392.0452,"end":2398.225},{"sentences":[{"text":"I don't know.","start":2400.965,"end":2401.705,"sentiment":"neutral","sentiment_score":-0.22369620203971863},{"text":"I don't know.","start":2407.205,"end":2408.185,"sentiment":"neutral","sentiment_score":-0.23895558218161264}],"sentiment":"neutral","sentiment_score":-0.23132589211066565,"channel":1,"num_words":6,"start":2400.965,"end":2408.185},{"sentences":[{"text":"That's okay.","start":2408.71,"end":2409.51,"sentiment":"neutral","sentiment_score":-0.12285657227039337}],"sentiment":"neutral","sentiment_score":-0.12285657227039337,"channel":0,"num_words":2,"start":2408.71,"end":2409.51},{"sentences":[{"text":"Sorry to","start":2409.125,"end":2409.5251,"sentiment":"neutral","sentiment_score":-0.2186124175786972}],"sentiment":"neutral","sentiment_score":-0.2186124175786972,"channel":1,"num_words":2,"start":2409.125,"end":2409.5251},{"sentences":[{"text":"I","start":2409.51,"end":2409.5898,"sentiment":"neutral","sentiment_score":-0.21119675040245056}],"sentiment":"neutral","sentiment_score":-0.21119675040245056,"channel":0,"num_words":1,"start":2409.51,"end":2409.5898},{"sentences":[{"text":"sound","start":2409.5251,"end":2409.7651,"sentiment":"neutral","sentiment_score":-0.2144869714975357}],"sentiment":"neutral","sentiment_score":-0.2144869714975357,"channel":1,"num_words":1,"start":2409.5251,"end":2409.7651},{"sentences":[{"text":"have","start":2409.5898,"end":2409.8298,"sentiment":"neutral","sentiment_score":-0.18673491477966309}],"sentiment":"neutral","sentiment_score":-0.18673491477966309,"channel":0,"num_words":1,"start":2409.5898,"end":2409.8298},{"sentences":[{"text":"like","start":2409.7651,"end":2409.925,"sentiment":"neutral","sentiment_score":-0.2001314163208008}],"sentiment":"neutral","sentiment_score":-0.2001314163208008,"channel":1,"num_words":1,"start":2409.7651,"end":2409.925},{"sentences":[{"text":"a...","start":2409.8298,"end":2410.3298,"sentiment":"neutral","sentiment_score":-0.17670182883739471}],"sentiment":"neutral","sentiment_score":-0.17670182883739471,"channel":0,"num_words":1,"start":2409.8298,"end":2410.3298},{"sentences":[{"text":"that.","start":2409.925,"end":2410.425,"sentiment":"neutral","sentiment_score":-0.1336197555065155}],"sentiment":"neutral","sentiment_score":-0.1336197555065155,"channel":1,"num_words":1,"start":2409.925,"end":2410.425},{"sentences":[{"text":"No.","start":2410.63,"end":2410.8699,"sentiment":"neutral","sentiment_score":-0.05299917608499527},{"text":"You're absolutely fine.","start":2410.8699,"end":2412.0698,"sentiment":"neutral","sentiment_score":0.26123857001463574},{"text":"I've got a questionnaire to go through.","start":2412.0698,"end":2414.01,"sentiment":"neutral","sentiment_score":0.267192725624357},{"text":"Let's run through this, and we'll talk us through about how you would feel or might react.","start":2414.295,"end":2417.895,"sentiment":"neutral","sentiment_score":0.19354279733756008},{"text":"I've answered some of them for you already.","start":2417.895,"end":2420.075,"sentiment":"neutral","sentiment_score":0.19122507609426975}],"sentiment":"neutral","sentiment_score":0.2061414938006136,"channel":0,"num_words":36,"start":2410.63,"end":2420.075},{"sentences":[{"text":"The first one here is, have you ever invested in shares or direct managed funds in your own name before?","start":2421.815,"end":2427.915,"sentiment":"neutral","sentiment_score":0.08388769347220659},{"text":"Perfectly fine.","start":2431.29,"end":2432.3499,"sentiment":"positive","sentiment_score":0.43093355000019073},{"text":"The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super?","start":2434.0898,"end":2439.8699,"sentiment":"neutral","sentiment_score":0.02389897210966973},{"text":"And do you feel comfortable taking on a higher level of risk to get greater potential returns?","start":2440.49,"end":2446.0051,"sentiment":"neutral","sentiment_score":-0.02831380189779927},{"text":"Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower?","start":2446.945,"end":2456.83,"sentiment":"neutral","sentiment_score":-0.07435971100268693}],"sentiment":"neutral","sentiment_score":0.004536327330416508,"channel":0,"num_words":89,"start":2421.815,"end":2456.83},{"sentences":[{"text":"Where do you think you might fit on that scale?","start":2456.83,"end":2458.77,"sentiment":"neutral","sentiment_score":-0.02654134426265955}],"sentiment":"neutral","sentiment_score":-0.02654134426265955,"channel":0,"num_words":10,"start":2456.83,"end":2458.77},{"sentences":[{"text":"I don't know.","start":2464.5051,"end":2465.325,"sentiment":"neutral","sentiment_score":-0.09714765598376592},{"text":"Probably moderate ish.","start":2465.625,"end":2469.5652,"sentiment":"neutral","sentiment_score":-0.056085627526044846}],"sentiment":"neutral","sentiment_score":-0.07661664175490539,"channel":1,"num_words":6,"start":2464.5051,"end":2469.5652},{"sentences":[{"text":"Yep.","start":2469.63,"end":2470.1099,"sentiment":"neutral","sentiment_score":0.06332391500473022}],"sentiment":"neutral","sentiment_score":0.06332391500473022,"channel":0,"num_words":1,"start":2469.63,"end":2470.1099},{"sentences":[{"text":"Yeah.","start":2469.7852,"end":2470.105,"sentiment":"neutral","sentiment_score":0.04900723323225975},{"text":"Maybe.","start":2470.105,"end":2470.605,"sentiment":"neutral","sentiment_score":0.0462927520275116}],"sentiment":"neutral","sentiment_score":0.047649992629885674,"channel":1,"num_words":2,"start":2469.7852,"end":2470.605},{"sentences":[{"text":"In the middle.","start":2470.1099,"end":2470.875,"sentiment":"neutral","sentiment_score":0.04134396960337957},{"text":"Yep.","start":2471.195,"end":2471.355,"sentiment":"neutral","sentiment_score":0.17763981223106384},{"text":"Beautiful.","start":2471.355,"end":2471.855,"sentiment":"positive","sentiment_score":0.5068293213844299}],"sentiment":"neutral","sentiment_score":0.1617002084851265,"channel":0,"num_words":5,"start":2470.1099,"end":2471.855},{"sentences":[{"text":"Yep.","start":2471.5452,"end":2472.0452,"sentiment":"neutral","sentiment_score":0.29077157378196716}],"sentiment":"neutral","sentiment_score":0.29077157378196716,"channel":1,"num_words":1,"start":2471.5452,"end":2472.0452},{"sentences":[{"text":"The next one here says, if you saw your super fall by 20% over the next six to twelve months, how might that be making you feel?","start":2473.195,"end":2480.655,"sentiment":"neutral","sentiment_score":0.0490873523608402},{"text":"Are you a bit optimistic about the investment, maybe putting some more money in, taking advantage of the downtime?","start":2481.115,"end":2487.25,"sentiment":"neutral","sentiment_score":0.24835929838254264},{"text":"Are you a bit cautious and concerned, maybe calling us and seeing what we suggest you do and maybe looking to hold and wait through that time frame?","start":2488.03,"end":2495.73,"sentiment":"neutral","sentiment_score":-0.24720602216465132},{"text":"Are you more very anxious and maybe wanting to sell your investments to cash and the cap...","start":2496.605,"end":2502.765,"sentiment":"neutral","sentiment_score":-0.32304679383249846},{"text":"And crystallize those losses?","start":2502.765,"end":2504.545,"sentiment":"neutral","sentiment_score":-0.23932770267128944}],"sentiment":"neutral","sentiment_score":-0.07712304993091446,"channel":0,"num_words":95,"start":2473.195,"end":2504.545},{"sentences":[{"text":"How 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react","start":2505.4849,"end":2506.525,"sentiment":"neutral","sentiment_score":-0.16211209446191788}],"sentiment":"neutral","sentiment_score":-0.16211209446191788,"channel":0,"num_words":4,"start":2505.4849,"end":2506.525},{"sentences":[{"text":"probably","start":2506.25,"end":2506.73,"sentiment":"neutral","sentiment_score":-0.17241767048835754}],"sentiment":"neutral","sentiment_score":-0.17241767048835754,"channel":1,"num_words":1,"start":2506.25,"end":2506.73},{"sentences":[{"text":"and feel?","start":2506.525,"end":2507.1848,"sentiment":"neutral","sentiment_score":-0.15016072988510132}],"sentiment":"neutral","sentiment_score":-0.15016072988510132,"channel":0,"num_words":2,"start":2506.525,"end":2507.1848},{"sentences":[{"text":"middle call","start":2506.73,"end":2507.87,"sentiment":"neutral","sentiment_score":-0.035097818821668625}],"sentiment":"neutral","sentiment_score":-0.035097818821668625,"channel":1,"num_words":2,"start":2506.73,"end":2507.87},{"sentences":[{"text":"Yep.","start":2508.9248,"end":2509.29,"sentiment":"neutral","sentiment_score":-0.028200050815939903}],"sentiment":"neutral","sentiment_score":-0.028200050815939903,"channel":0,"num_words":1,"start":2508.9248,"end":2509.29},{"sentences":[{"text":"call just to double check, find out.","start":2509.05,"end":2511.31,"sentiment":"neutral","sentiment_score":-0.02768189034291676}],"sentiment":"neutral","sentiment_score":-0.02768189034291676,"channel":1,"num_words":7,"start":2509.05,"end":2511.31},{"sentences":[{"text":"Absolutely.","start":2511.77,"end":2512.27,"sentiment":"neutral","sentiment_score":0.16215336322784424}],"sentiment":"neutral","sentiment_score":0.16215336322784424,"channel":0,"num_words":1,"start":2511.77,"end":2512.27},{"sentences":[{"text":"Yeah.","start":2511.85,"end":2512.35,"sentiment":"neutral","sentiment_score":0.11110643297433852}],"sentiment":"neutral","sentiment_score":0.11110643297433852,"channel":1,"num_words":1,"start":2511.85,"end":2512.35},{"sentences":[{"text":"Yep.","start":2512.81,"end":2513.21,"sentiment":"neutral","sentiment_score":0.16576015949249268},{"text":"Perfect.","start":2513.21,"end":2513.71,"sentiment":"positive","sentiment_score":0.34842628240585327},{"text":"Mhmm.","start":2515.05,"end":2515.55,"sentiment":"neutral","sentiment_score":0.08678102493286133},{"text":"The next one here is basically asking, have you ever thought about borrowing in order to invest in shares or manage funds, or have you only ever wanted to borrow for safe property?","start":2516.01,"end":2527.905,"sentiment":"neutral","sentiment_score":0.007580319701722174}],"sentiment":"neutral","sentiment_score":0.02364216713855664,"channel":0,"num_words":36,"start":2512.81,"end":2527.905},{"sentences":[{"text":"Probably borrowed to say of the property.","start":2529.89,"end":2532.31,"sentiment":"neutral","sentiment_score":-0.007107042441410678}],"sentiment":"neutral","sentiment_score":-0.007107042441410678,"channel":1,"num_words":7,"start":2529.89,"end":2532.31},{"sentences":[{"text":"For property?","start":2533.005,"end":2533.645,"sentiment":"neutral","sentiment_score":0.002355783712118863},{"text":"Yeah.","start":2533.645,"end":2533.965,"sentiment":"neutral","sentiment_score":0.09200789034366608},{"text":"Perfect.","start":2533.965,"end":2534.465,"sentiment":"neutral","sentiment_score":0.24885056912899017}],"sentiment":"neutral","sentiment_score":0.0863925067242235,"channel":0,"num_words":4,"start":2533.005,"end":2534.465},{"sentences":[{"text":"Yep.","start":2534.29,"end":2534.79,"sentiment":"neutral","sentiment_score":0.21096687018871307}],"sentiment":"neutral","sentiment_score":0.21096687018871307,"channel":1,"num_words":1,"start":2534.29,"end":2534.79},{"sentences":[{"text":"Lovely.","start":2536.285,"end":2536.785,"sentiment":"positive","sentiment_score":0.5372037291526794},{"text":"Thank you for that.","start":2537.005,"end":2537.965,"sentiment":"positive","sentiment_score":0.6563917845487595},{"text":"Now, look, that's the end of that questionnaire, happily.","start":2537.965,"end":2540.4001,"sentiment":"positive","sentiment_score":0.3613602916399638},{"text":"You've scored there as a growth investor.","start":2541.18,"end":2543.68,"sentiment":"neutral","sentiment_score":0.24259026774338313},{"text":"So as I kinda mentioned before, you are in that growth portfolio.","start":2543.74,"end":2546.72,"sentiment":"neutral","sentiment_score":0.14083917252719402}],"sentiment":"neutral","sentiment_score":0.29706713444355765,"channel":0,"num_words":33,"start":2536.285,"end":2546.72},{"sentences":[{"text":"It says 80% in those growth assets, like US shares, Australian shares, international shares, and property, and then 20% in low risk defensive investments like cash and bonds.","start":2546.78,"end":2557.395,"sentiment":"neutral","sentiment_score":0.13548717913883074},{"text":"This does still","start":2558.2551,"end":2559.055,"sentiment":"neutral","sentiment_score":0.19030163685480753}],"sentiment":"neutral","sentiment_score":0.14079180407908656,"channel":0,"num_words":31,"start":2546.78,"end":2559.055},{"sentences":[{"text":"Yep.","start":2558.98,"end":2559.48,"sentiment":"neutral","sentiment_score":0.18093983829021457}],"sentiment":"neutral","sentiment_score":0.18093983829021457,"channel":1,"num_words":1,"start":2558.98,"end":2559.48},{"sentences":[{"text":"suit your time horizon because you still have ten years before you're able to access Super.","start":2559.055,"end":2563.955,"sentiment":"neutral","sentiment_score":0.12995471549220383},{"text":"It still suits your investment time horizon.","start":2564.175,"end":2566.435,"sentiment":"neutral","sentiment_score":0.18410917052200862},{"text":"You...","start":2567.64,"end":2568.14,"sentiment":"neutral","sentiment_score":0.0020540952682495117}],"sentiment":"neutral","sentiment_score":0.14042057236656547,"channel":0,"num_words":24,"start":2559.055,"end":2568.14},{"sentences":[{"text":"Yep.","start":2567.7449,"end":2568.2449,"sentiment":"neutral","sentiment_score":-0.007951963692903519}],"sentiment":"neutral","sentiment_score":-0.007951963692903519,"channel":1,"num_words":1,"start":2567.7449,"end":2568.2449},{"sentences":[{"text":"When you think about risk out of a number between one and four...","start":2568.44,"end":2571.66,"sentiment":"neutral","sentiment_score":-0.05891688368641413},{"text":"So...","start":2571.96,"end":2572.28,"sentiment":"neutral","sentiment_score":-0.03568383678793907},{"text":"Oh, sorry.","start":2572.28,"end":2572.68,"sentiment":"neutral","sentiment_score":-0.059653570875525475},{"text":"One and five.","start":2572.68,"end":2573.48,"sentiment":"neutral","sentiment_score":-0.04656457404295603},{"text":"So five being, you know, no risk at all, all sitting in cash, one being a 100% aggressive, all in shares.","start":2573.48,"end":2582.22,"sentiment":"neutral","sentiment_score":-0.021664352023175786}],"sentiment":"neutral","sentiment_score":-0.037888889526948334,"channel":0,"num_words":40,"start":2568.44,"end":2582.22},{"sentences":[{"text":"You're sitting at about a three.","start":2582.715,"end":2584.635,"sentiment":"neutral","sentiment_score":-0.046538459757963814},{"text":"So you're kind of in that mid range there.","start":2584.635,"end":2586.895,"sentiment":"neutral","sentiment_score":-0.04691141015953488}],"sentiment":"neutral","sentiment_score":-0.04676222999890645,"channel":0,"num_words":15,"start":2582.715,"end":2586.895},{"sentences":[{"text":"Yep.","start":2587.69,"end":2588.19,"sentiment":"neutral","sentiment_score":0.025403674691915512}],"sentiment":"neutral","sentiment_score":0.025403674691915512,"channel":1,"num_words":1,"start":2587.69,"end":2588.19},{"sentences":[{"text":"You you have more than six years ahead of you, so you can stay in this environment.","start":2588.0752,"end":2591.935,"sentiment":"neutral","sentiment_score":0.02333482771235354},{"text":"You know, you've got that seven to 9%.","start":2593.115,"end":2595.675,"sentiment":"neutral","sentiment_score":0.02593999751843512},{"text":"We could quite comfortably alter the portfolio and kind of build on that for you.","start":2595.675,"end":2600.1301,"sentiment":"neutral","sentiment_score":0.04625335857272148},{"text":"When you are about six years away from accessing your super, I would be absolutely trying to push you down and start to reduce your risk level a little bit.","start":2600.4302,"end":2608.515,"sentiment":"neutral","sentiment_score":-0.19557985464731853},{"text":"But for now, are you comfortable with you...","start":2608.6748,"end":2611.2349,"sentiment":"neutral","sentiment_score":-0.0644788253121078}],"sentiment":"neutral","sentiment_score":-0.06519504887266801,"channel":0,"num_words":78,"start":2588.0752,"end":2611.2349},{"sentences":[{"text":"With me retaining that growth portfolio?","start":2611.2349,"end":2613.4949,"sentiment":"neutral","sentiment_score":-0.03088471107184887},{"text":"Did you wanna...","start":2613.635,"end":2614.855,"sentiment":"neutral","sentiment_score":0.00023962347768247128},{"text":"Do you wanna start reducing risk in line with, you know, a bit of comfort?","start":2615.1548,"end":2619.3948,"sentiment":"neutral","sentiment_score":-0.044552223136027656},{"text":"How do you feel?","start":2619.3948,"end":2620.375,"sentiment":"neutral","sentiment_score":-0.04850581008940935}],"sentiment":"neutral","sentiment_score":-0.03738914226414636,"channel":0,"num_words":28,"start":2611.2349,"end":2620.375},{"sentences":[{"text":"Not returning as is.","start":2620.885,"end":2622.5852,"sentiment":"neutral","sentiment_score":-0.3324223905801773}],"sentiment":"neutral","sentiment_score":-0.3324223905801773,"channel":1,"num_words":4,"start":2620.885,"end":2622.5852},{"sentences":[{"text":"Retain it?","start":2622.47,"end":2623.27,"sentiment":"neutral","sentiment_score":-0.04809792712330819},{"text":"Beautiful.","start":2623.27,"end":2623.77,"sentiment":"neutral","sentiment_score":0.3331279158592224},{"text":"Do you have any questions?","start":2623.8298,"end":2625.03,"sentiment":"neutral","sentiment_score":0.10894480841234326},{"text":"I'll try to sort of explain it as much as I possibly can, but it can be a lot to kinda go through.","start":2625.03,"end":2629.77,"sentiment":"neutral","sentiment_score":-0.008528512538127277},{"text":"Do you have any questions in relation to any of that?","start":2630.23,"end":2632.97,"sentiment":"neutral","sentiment_score":0.007511262866583737}],"sentiment":"neutral","sentiment_score":0.015907719210233717,"channel":0,"num_words":42,"start":2622.47,"end":2632.97},{"sentences":[{"text":"No.","start":2633.3652,"end":2633.8652,"sentiment":"neutral","sentiment_score":-0.03424442186951637}],"sentiment":"neutral","sentiment_score":-0.03424442186951637,"channel":1,"num_words":1,"start":2633.3652,"end":2633.8652},{"sentences":[{"text":"Yep.","start":2634.525,"end":2635.005,"sentiment":"neutral","sentiment_score":0.14073291420936584},{"text":"That's beautiful.","start":2635.005,"end":2635.585,"sentiment":"positive","sentiment_score":0.5799943655729294},{"text":"There we go.","start":2636.6848,"end":2637.665,"sentiment":"positive","sentiment_score":0.5213350057601929},{"text":"Excellent.","start":2639.085,"end":2639.585,"sentiment":"positive","sentiment_score":0.7263147830963135},{"text":"So I'll review everything and keep you in line with that growth portfolio.","start":2640.4448,"end":2643.825,"sentiment":"positive","sentiment_score":0.6241982808479896}],"sentiment":"positive","sentiment_score":0.5852809548377991,"channel":0,"num_words":20,"start":2634.525,"end":2643.825},{"sentences":[{"text":"Fantastic.","start":2644.2048,"end":2644.7048,"sentiment":"positive","sentiment_score":0.705420732498169},{"text":"Now in that order you sign, the last couple of documents attached are your Zurich certificate of the currencies that runs you through all the different insurance policies in a little bit more detail there for you.","start":2645.405,"end":2655.42,"sentiment":"neutral","sentiment_score":0.18906359052335894},{"text":"We also have in there the 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got her noted as your beneficiary for your life insurance and your super.","start":3162.115,"end":3166.17,"sentiment":"positive","sentiment_score":0.37696768442789713},{"text":"You're still happy with that a 100% order, Heather?","start":3166.17,"end":3168.75,"sentiment":"positive","sentiment_score":0.488682273361418}],"sentiment":"positive","sentiment_score":0.4092441250880559,"channel":0,"num_words":36,"start":3158.355,"end":3168.75},{"sentences":[{"text":"Yep.","start":3169.35,"end":3169.85,"sentiment":"neutral","sentiment_score":0.07019191980361938}],"sentiment":"neutral","sentiment_score":0.07019191980361938,"channel":1,"num_words":1,"start":3169.35,"end":3169.85},{"sentences":[{"text":"Yep.","start":3170.49,"end":3170.73,"sentiment":"neutral","sentiment_score":0.08785506337881088},{"text":"Beautiful.","start":3170.73,"end":3171.23,"sentiment":"neutral","sentiment_score":0.2711161971092224},{"text":"The other thing I've got noted here is that you don't have a will or power of 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same time is today if you like.","start":3263.925,"end":3265.525,"sentiment":"neutral","sentiment_score":0.08967328164726496},{"text":"So it's 04:30 my time, which is 05:30 your time.","start":3265.525,"end":3268.825,"sentiment":"neutral","sentiment_score":0.05429719164967537}],"sentiment":"neutral","sentiment_score":0.09665471025639111,"channel":0,"num_words":36,"start":3254.66,"end":3268.825},{"sentences":[{"text":"Would that be okay for me to book you in then to go through your advice 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know.","start":3281.4202,"end":3283.26,"sentiment":"neutral","sentiment_score":0.14933978952467442},{"text":"But I'll get the research and have the advice document ready to go then.","start":3283.26,"end":3286.3801,"sentiment":"neutral","sentiment_score":0.287150933274201}],"sentiment":"neutral","sentiment_score":0.28020455552773044,"channel":0,"num_words":44,"start":3275.5,"end":3286.3801},{"sentences":[{"text":"We can go through that together.","start":3286.3801,"end":3287.74,"sentiment":"neutral","sentiment_score":0.2985814039905866},{"text":"How does that sound?","start":3287.74,"end":3288.8,"sentiment":"neutral","sentiment_score":0.2243233360350132}],"sentiment":"neutral","sentiment_score":0.26887817680835724,"channel":0,"num_words":10,"start":3286.3801,"end":3288.8},{"sentences":[{"text":"Not a 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representative apologizes for running late due to a call and provides annual review documents to James. They discuss James's insurance policy and homeowners insurance, including his insurance policy and homeowners insurance. The agent emphasizes the benefits of insurance coverage for debt reduction and income protection, including the possibility of adjusting coverage if needed. The speaker discusses the importance of reducing investment fees and investing in growth assets, including the use of flexible and protected portfolios. They also provide information on the customer's financial goals and liabilities, including their primary residence and other vehicles. The speaker provides a time for a review of the advice document and offers to book them in for a review together."},"intents":{"segments":[{"text":"Firstly, I would like to apologize. I'm so very sorry. My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize. It's not at all what I wanted to happen. Oh, don't worry.","start_word":23,"end_word":67,"intents":[{"intent":"Apologize","confidence_score":0.08248711}]},{"text":"Thank you so much for that. James, so we're going through your annual review today, and I've had a bit of a look at things. There's definitely some advice I wanted to sort of look at doing to update things for you there.","start_word":239,"end_word":281,"intents":[{"intent":"Update advice","confidence_score":0.022063186}]},{"text":"James, so we're going through your annual review today, and I've had a bit of a look at things. There's definitely some advice I wanted to sort of look at doing to update things for you there. Before I jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes. Are you happy for me to proceed with that?","start_word":245,"end_word":316,"intents":[{"intent":"Proceed with call","confidence_score":0.022052146}]},{"text":"So just to confirm your full name, your date of birth, and address that I should have on file here for you. James Allen Keith Brown.","start_word":366,"end_word":391,"intents":[{"intent":"Confirm information","confidence_score":0.28385332}]},{"text":"Are you able to access your emails there at the moment at all?","start_word":472,"end_word":484,"intents":[{"intent":"Access emails","confidence_score":0.4795606}]},{"text":"I'm just gonna find where the document is. That's okay.","start_word":561,"end_word":570,"intents":[{"intent":"Navigate document","confidence_score":0.04090237}]},{"text":"It'll never ask you any to sign anything you haven't read. So we'll go through them first, and then if you wanna take more time to read them, you can. It'll never force you to sign anything that you're not comfortable signing. Okay. Yep.","start_word":607,"end_word":650,"intents":[{"intent":"Confirm signature","confidence_score":0.0022581357}]},{"text":"So it's giving you an updated on your balance there.","start_word":681,"end_word":690,"intents":[{"intent":"Update balance","confidence_score":0.43757045}]},{"text":"And as of today, is that your balance has increased even further to 408,589. So it is good.","start_word":721,"end_word":738,"intents":[{"intent":"Improve balance","confidence_score":0.00013905382}]},{"text":"Those levels of cover that you do have, they are index. They do increase over time. So each year that that goes through renewal, the amount that you're actually covered for increases just slightly. But it also does mean that the insurance cost does increase over time as well.","start_word":1373,"end_word":1421,"intents":[{"intent":"Discuss insurance coverage levels","confidence_score":0.008873568}]},{"text":"So taking some time down the track and having a bit of a think about what what you actually wanted to happen isn't a bad idea. Even having that conversation with Heather going, look, you know, if something happened to me, what it... What is it you wanna be paid? Do you wanna pay off the mortgage, and how many years of income would would be suitable?","start_word":1423,"end_word":1489,"intents":[{"intent":"Discuss","confidence_score":0.012028466}]},{"text":"Because having that conversation can sort of help to provide clarity around what you might need to be covered for.","start_word":1489,"end_word":1508,"intents":[{"intent":"Clarify","confidence_score":0.7900656}]},{"text":"Does that feel fairly comfortable for you? Did you wanna look at maybe altering or reviewing that level of cover?","start_word":1747,"end_word":1766,"intents":[{"intent":"Reassure","confidence_score":0.0008598606}]},{"text":"Did you wanna look at maybe altering or reviewing that level of cover?","start_word":1754,"end_word":1766,"intents":[{"intent":"Adjust","confidence_score":0.015571214},{"intent":"Review","confidence_score":0.22605336}]},{"text":"It does kind of mean that having a extra little bit of a benefit means if you do get, you know, bonuses or your salary goes up a little bit over the course of time, that you don't have to increase that policy because increasing a policy means you go back to underwriting again, which means the insurer reassesses the policy. Yep.","start_word":2141,"end_word":2202,"intents":[{"intent":"Increase policy coverage","confidence_score":0.00133141}]},{"text":"Are you happy with that level of income protection? Did you wanna look at altering that or keep it as it is?","start_word":2279,"end_word":2300,"intents":[{"intent":"Adjust policy level","confidence_score":0.055833645}]},{"text":"So getting a 15% discount and paying a little bit less than what the actual premium is is a good thing, but it does mean that these insurance premiums will get more expensive over time as well. So it is really important that we review them on a yearly basis and just make Well, changes as needed.","start_word":2414,"end_word":2470,"intents":[{"intent":"Review insurance premiums","confidence_score":0.40444073}]},{"text":"Thinking about trauma, are you fairly happy with that level of cover? Did you wanna look at reviewing that? What's the trauma cover?","start_word":2531,"end_word":2553,"intents":[{"intent":"Review coverage levels","confidence_score":0.15007101}]},{"text":"So think about things Alright. like cancer, Yep. a heart attack, strokes, Parkinson's. Yeah. Major diagnosis, essentially. Yeah.","start_word":2572,"end_word":2589,"intents":[{"intent":"Discuss major diagnoses","confidence_score":0.17721936},{"intent":"Discuss major diagnosis","confidence_score":0.075599425}]},{"text":"like cancer, Yep. a heart attack, strokes, Parkinson's. Yeah.","start_word":2577,"end_word":2585,"intents":[{"intent":"Discuss cancer and strokes","confidence_score":0.015444989},{"intent":"Discuss cancer and strokes","confidence_score":0.08490168},{"intent":"Discuss cancer","confidence_score":0.04561068}]},{"text":"If you go to the next page there for me, the next one is your performance report with regard to your super there. Next document.","start_word":2814,"end_word":2838,"intents":[{"intent":"Schedule visit to next page","confidence_score":0.0000018989186}]},{"text":"Now this is showing you how your super has performed over the past twelve months there.","start_word":2904,"end_word":2919,"intents":[{"intent":"Highlight investment performance","confidence_score":0.064901896}]},{"text":"Because of the issues and the research I've done around Bannalung at the moment, it is definitely worth removing them from your portfolio.","start_word":3281,"end_word":3303,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.2249938}]},{"text":"So one of the ways that we can look to maybe swap things out and update things is to maybe reduce the fees, maybe take... So take out this active investment manager and put you in more of a passive portfolio, which can generate much higher returns longer term. It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track. Would you like to look at that as an option, or how do you sort Yeah.","start_word":3607,"end_word":3696,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.090109564}]},{"text":"So I do wanna sorta keep that investment in there, but I'll look at how to structure it for you. Right.","start_word":4436,"end_word":4456,"intents":[{"intent":"Evaluate investment structure","confidence_score":0.03728537}]},{"text":"Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit. So we are seeing that down a little bit at the moment. I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it.","start_word":4770,"end_word":4823,"intents":[{"intent":"Explaining investment decisions","confidence_score":0.012368913}]},{"text":"Realistically, we don't want to, you know, sell all the investments when they are down. We wanna allow them to come back and recover where possible.","start_word":4824,"end_word":4849,"intents":[{"intent":"Restoring income","confidence_score":0.00007628392}]},{"text":"Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you. Yep.","start_word":4877,"end_word":4918,"intents":[{"intent":"Rejigging portfolios","confidence_score":0.048268463}]},{"text":"You wanna sort of incorporate some income production out of your portfolio as well. Does that make sense?","start_word":5060,"end_word":5077,"intents":[{"intent":"Incorporating income from portfolios","confidence_score":0.13186696}]},{"text":"That's not performing great as well. They've had some internal issues there. So those two investments have sorta held things back a little bit. Your percentage is definitely lower than where I would like it to be. However, Yep.","start_word":5595,"end_word":5633,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.06298394}]},{"text":"So what I would like to do, because this portfolio is a bit older, there are definitely some changes to make. I wanna go back, review the super, review the investment, make some changes to the portfolio, update things, and kind of look at how I can make them work a bit harder for you. We'll come back.","start_word":5699,"end_word":5756,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.050739255},{"intent":"Discuss portfolio challenges","confidence_score":0.00057518244}]},{"text":"I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make.","start_word":5757,"end_word":5779,"intents":[{"intent":"Recommend investment changes","confidence_score":0.007065309}]},{"text":"I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make. I'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy. And then you get to take that away and have a really good read of that as well. How does that sound?","start_word":5757,"end_word":5826,"intents":[{"intent":"Advise on portfolio improvements","confidence_score":0.00020419653}]},{"text":"I'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy.","start_word":5780,"end_word":5804,"intents":[{"intent":"Explain benefit of investments","confidence_score":0.00009883526}]},{"text":"Beautiful. Excellent.","start_word":5831,"end_word":5832,"intents":[{"intent":"Compliment portfolio changes","confidence_score":0.0005683602}]},{"text":"Excellent. That is a lot, and I understand that. Do you have any questions in relation to any of that, James, at all? Not really.","start_word":5832,"end_word":5856,"intents":[{"intent":"Express understanding","confidence_score":0.001305081}]},{"text":"If you can go on to the next document for me, the next Thank one there god. is... Index chart. Yeah. So this is a bit of a guide, and this is one of the things I love about my job is the educational value. It's not as interesting to everyone, and if you're not, that's okay. But this shows you how and why we invest the way we do.","start_word":5889,"end_word":5958,"intents":[{"intent":"Discuss investment process","confidence_score":0.04629126}]},{"text":"When you're younger, when you've got more time on your side, we can go through those ups and downs, keep investing and keep putting money into your super to take advantage of those sorts of ups and downs.","start_word":6308,"end_word":6345,"intents":[{"intent":"Analyze investing strategies","confidence_score":0.023452224}]},{"text":"The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super? And do you feel comfortable taking on a higher level of risk to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower? Where do you think you might fit on that scale? I don't know.","start_word":7240,"end_word":7319,"intents":[{"intent":"Assess portfolio preferences","confidence_score":0.0036023178}]},{"text":"So I'll review everything and keep you in line with that growth portfolio.","start_word":7805,"end_word":7817,"intents":[{"intent":"Review documents","confidence_score":0.32748136},{"intent":"Review documents","confidence_score":0.17351842}]},{"text":"We also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me and also my licensing information in there for you as well. So you're welcome to look me up. It outlines all of our services for you there as well. The last... Oh god.","start_word":7856,"end_word":7920,"intents":[{"intent":"Provide information","confidence_score":0.03826387}]},{"text":"So you're welcome to look me up. It outlines all of our services for you there as well. The last... Oh god.","start_word":7899,"end_word":7920,"intents":[{"intent":"Check interest in services","confidence_score":0.00016942064}]},{"text":"It outlines all of our services for you there as well. The last... Oh god.","start_word":7906,"end_word":7920,"intents":[{"intent":"Update services","confidence_score":0.10276264}]},{"text":"Does that all make Okay. sense?","start_word":8113,"end_word":8118,"intents":[{"intent":"Confirm understanding","confidence_score":0.010560467}]},{"text":"Pass that fee, $6 per annum. It is what it is.","start_word":8231,"end_word":8241,"intents":[{"intent":"Pass fee","confidence_score":0.071107715}]},{"text":"That's the platform we use. It's very much similar to DocuSign. It's already got a signature in there. It's not Yep.","start_word":8311,"end_word":8331,"intents":[{"intent":"Verify signature","confidence_score":0.004453922}]},{"text":"That's all being done there, James. Thank you so much for that. I really appreciate it.","start_word":8463,"end_word":8478,"intents":[{"intent":"Obtain confirmation","confidence_score":0.0031765504}]},{"text":"The last couple of things I just wanted to update are just your assets and liabilities that we had noted here.","start_word":8480,"end_word":8500,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.585908}]},{"text":"Now your main primary residence, the value we had on that house last year was about 1,100,000. What kind of value would you put on it now? Probably 1.2 ish.","start_word":8500,"end_word":8529,"intents":[{"intent":"Place value on vehicle","confidence_score":0.019415399}]},{"text":"Do you have any other vehicles that you've got there valuable? Not mine.","start_word":8648,"end_word":8660,"intents":[{"intent":"Find other vehicles","confidence_score":0.016393322},{"intent":"Find other vehicles","confidence_score":0.032933004}]},{"text":"And then the other one I just picked up and I just, you know, toy with that one or just working on it, playing with it. Yeah. Yeah.","start_word":8780,"end_word":8807,"intents":[{"intent":"Pick up new car","confidence_score":0.00067411095}]},{"text":"I've updated your income there If now.","start_word":8814,"end_word":8820,"intents":[{"intent":"Update income on income","confidence_score":0.00011753202}]},{"text":"I understand that. Yeah. Definitely.","start_word":8838,"end_word":8842,"intents":[{"intent":"Confirm understanding","confidence_score":0.0138245495}]},{"text":"How do you feel about those additional contributions?","start_word":8875,"end_word":8882,"intents":[{"intent":"Ask about additional contributions","confidence_score":0.009657856}]},{"text":"And so any other goals down the track that you might be looking at?","start_word":9070,"end_word":9083,"intents":[{"intent":"Discuss future goals","confidence_score":0.018148296}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, James. It's Dana from Oku Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1630849540233612},{"text":"Great. How are you doing? I'm very well. Thank you.","start_word":13,"end_word":22,"sentiment":"positive","sentiment_score":0.5625227093696594},{"text":"Firstly, I would like to apologize. I'm so very sorry. My calls have all taken a little bit longer this afternoon, so I'm running a little bit behind, but I do honestly apologize.","start_word":23,"end_word":55,"sentiment":"neutral","sentiment_score":-0.20250797271728516},{"text":"It's not at all what I wanted to happen.","start_word":56,"end_word":64,"sentiment":"negative","sentiment_score":-0.4631270170211792},{"text":"Oh, don't worry. I had two phone calls to, you know, say you're running late. Oh, thank you.","start_word":65,"end_word":82,"sentiment":"neutral","sentiment_score":-0.004009017255157232},{"text":"I'm so glad the team did that.","start_word":83,"end_word":89,"sentiment":"positive","sentiment_score":0.425466924905777},{"text":"It's all good. But, no, honestly, I do apologize.","start_word":90,"end_word":98,"sentiment":"neutral","sentiment_score":-0.003214648924767971},{"text":"It's not preferred at all.","start_word":99,"end_word":103,"sentiment":"negative","sentiment_score":-0.4892597198486328},{"text":"They Just... said how slack you were and... Oh, of Yeah. course, they have. No. They did not get in. Sounds about right. No. Honestly, Oh. it's all good. No. No. Honestly, the team here are fantastic and lovely, and I will message them to say I'm running a little bit late. Sorry, guys. Can you just follow-up?","start_word":104,"end_word":161,"sentiment":"neutral","sentiment_score":0.016679542139172554},{"text":"And they were more than happy to do so for me.","start_word":162,"end_word":172,"sentiment":"positive","sentiment_score":0.3707090318202973},{"text":"So, again, I apologize. I'd like to make sure I'm on time Nick. for everybody, but also wanna make sure that everyone gets, you know, the attention that they deserve as well. So I do apologize for running over in those last couple of calls there. Can you ring up and cover for me, please? No. It's all good. I totally All good. get it.","start_word":173,"end_word":237,"sentiment":"neutral","sentiment_score":0.08219596743583679},{"text":"Fantastic. Thank you so much for that.","start_word":238,"end_word":244,"sentiment":"positive","sentiment_score":0.5876189470291138},{"text":"James, so we're going through your annual review today, and I've had a bit of a look at things. There's definitely some advice I wanted to sort of look at doing to update things for you there. Before I jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Uh-oh. This could be bad. That's not a worry. You might use it as training in how to deal with an idiot. No. Never. Never. Absolutely That's not. fine. Fantastic. And just to do a quick security check there with you as well, I am discussing your personal information. So just to confirm your full name, your date of birth, and address that I should have on file here for you. James Allen Keith Brown. Thirteenth and Yep. the ninth nineteen seventy six. 4 Glibbe Yep. Cove, Appen, New South Wales 2560.","start_word":245,"end_word":408,"sentiment":"neutral","sentiment_score":0.05537096292870801},{"text":"Beautiful.","start_word":409,"end_word":409,"sentiment":"positive","sentiment_score":0.5284073352813721},{"text":"I don't know what else you need to know. Yeah.","start_word":410,"end_word":419,"sentiment":"neutral","sentiment_score":0.09146424382925034},{"text":"That's everything. You've done great. Thank you so much for that. All good.","start_word":420,"end_word":432,"sentiment":"positive","sentiment_score":0.6380494832992554},{"text":"Now part of the annual review is I do send through some annual review documents, some some client compliance documents, sorry, for you to go through with me just so you can see the things that I'm talking about. Are you able to access your emails there at the moment at all? If you can't, it's okay. Yes. Yeah? Yes. Okay. I'm just sending through the documents via Odoo sign now for you. Hopefully, it pops through fairly quickly. Technology isn't always on our side. Oh, I've had a big got here. And that should come through from Odoo Sign, and I believe it also comes through from Dana Taylor, which is me. No. No. No yet. No. Okay. Oh, okay. Here we go. There we go. Fantastic. I'm just gonna find where the document is. That's okay. So if you open the email, it'll say click to sign or to, you Yep. know, view to sign. You'll click the button so you can move forward. It'll show you each of the documents there. It'll never ask you any to sign anything you haven't read. So we'll go through them first, and then if you wanna take more time to read them, you can. It'll never force you to sign anything that you're not comfortable signing. Okay. Yep.","start_word":433,"end_word":650,"sentiment":"neutral","sentiment_score":0.044853296130895615},{"text":"Fantastic.","start_word":651,"end_word":651,"sentiment":"positive","sentiment_score":0.3788143992424011},{"text":"Now the first document you'll see attached there is essentially the summary of superannuation and insurances as of the September 28 there. Can you see that one? Yep.","start_word":652,"end_word":679,"sentiment":"neutral","sentiment_score":0.17291605472564697},{"text":"Fantastic.","start_word":680,"end_word":680,"sentiment":"positive","sentiment_score":0.4237496256828308},{"text":"So it's giving you an updated on your balance there. So when I had a look back at this time last year, your balance sitting there was about 381,501. Your balance as of the September 28, you're sitting at $406,136.37. And as of today, is that your balance has increased even further to 408,589. So it is good. We have seen an increase on your super there. Okay? Yeah. Okay.","start_word":681,"end_word":750,"sentiment":"neutral","sentiment_score":0.15971652099064418},{"text":"Excellent.","start_word":751,"end_word":751,"sentiment":"positive","sentiment_score":0.46004971861839294},{"text":"Underneath that, you've also got your insurance policy. So this is showing the insurances which are paid out of super. You've got your life sum insured of 981,666. That's... The insurance is owned by Zurich and paid out of your hub twenty four super account with the level of cover you have there. Now the way I like to sort of frame this is if you would have passed away today, I definitely don't want anything to happen to you, but if you were, the level of cover pays out to your beneficiaries at 981,666, plus your super benefit of 406,000... Now 408,000 there. Do you feel like between that level of cover that would be appropriate? Did you wanna kinda go back and review that at all? Jeez. Okay.","start_word":752,"end_word":881,"sentiment":"neutral","sentiment_score":-0.009808189235627651},{"text":"You're gonna bump me off. I I definitely don't want anything to happen to you.","start_word":882,"end_word":896,"sentiment":"negative","sentiment_score":-0.36782148480415344},{"text":"Yeah. Okay. Yep. To kinda break it down to make it a bit easier for you, if you think about that level of cover, so adding your super balance at the current balance of 408,000 to that level of cover, you essentially have 1,390,000 of a life cover that can be paid out to your beneficiaries. Yep. Having a look at what that could cover for you would be... Now I had down here last year that your mortgage, you owed about 85,000. How much do you owe on the mortgage currently? It's really good because I haven't actually looked at it lately. Not a bad thing. I only got back from Bali in Thursday last week, so I'm sorta, yeah, still out of it. Yeah. 60 That's okay. 3,000. 63,000.","start_word":897,"end_word":1027,"sentiment":"neutral","sentiment_score":0.02834603562951088},{"text":"Beautiful. Fantastic.","start_word":1028,"end_word":1029,"sentiment":"positive","sentiment_score":0.48829320073127747},{"text":"So if we had a look at that, with that level of cover, it could pay off your mortgage of 63,000. That essentially clears the mortgage free and clear, leaving Heather to completely debt free. But then I've also got your income sitting at about a 130,000. Does that still sound appropriate, or does your income increase? It has. Mhmm. It's up to that $1.40 now, something About like 100 that. and 40,000? Yeah.","start_word":1030,"end_word":1103,"sentiment":"neutral","sentiment_score":0.11688489385729504},{"text":"Beautiful. Yeah. Excellent. So then with that level of cover, it clears your mortgage free and clears.","start_word":1104,"end_word":1120,"sentiment":"positive","sentiment_score":0.42992886900901794},{"text":"At least Heather completely debt free. And then if you think about, you know, how much it could cover your income at, say, a 140,000, and she may not need that full amount. So it would go further, but it would cover your current income then for about nine point... Let's say nine years and four months, essentially. Does that feel like a fairly appropriate level of cover? I mean, realistically, without a mortgage, that that debt isn't being paid for anymore. So if you're paying, you know, 5 or $600 a week on the mortgage repayment, that could reduce, you know, how much you'd need to live on. So, realistically, that level of cover could pay out the mortgage and then provide Heather with your income for a little over 10 years if needed to if she lives on a lower... A lesser amount of money. Do you feel like that's fairly appropriate? Did you wanna kind of review that at all, or how do you feel about that? Yeah. It's... I don't know. I haven't thought about it that way, but... Yep. Sorry to sound like that. But... Yeah. No. That's absolutely fine. I can promise you I'll ask you all the questions you probably never thought about answering. It's part of what I do, unfortunately. Alright.","start_word":1121,"end_word":1339,"sentiment":"neutral","sentiment_score":-0.0025996940676122904},{"text":"Excellent.","start_word":1340,"end_word":1340,"sentiment":"positive","sentiment_score":0.33558982610702515},{"text":"Yeah. I suppose for now. Yeah. Yeah. That's okay. Not a problem at all. If you ever felt like you maybe wanted to review that, we can absolutely look at doing so. Those levels of cover that you do have, they are index. They do increase over time. So each year that that goes through renewal, the amount that you're actually covered for increases just slightly. But it also does mean that the insurance cost does increase over time as well. So taking some time down the track and having a bit of a think about what what you actually wanted to happen isn't a bad idea. Even having that conversation with Heather going, look, you know, if something happened to me, what it... What is it you wanna be paid? Do you wanna pay off the mortgage, and how many years of income would would be suitable? Because having that conversation can sort of help to provide clarity around what you might need to be covered for. But, realistically, that's a pretty high... A pretty good level of cover to have, and that would leave her completely free and clear and give her some income as a bit of a buffer. Does that sound okay for the moment? Yep. Yeah?","start_word":1341,"end_word":1551,"sentiment":"neutral","sentiment_score":0.12864032486603724},{"text":"Beautiful.","start_word":1552,"end_word":1552,"sentiment":"positive","sentiment_score":0.508685827255249},{"text":"You've also got your total permanent disability there. Now do you know how insurances work? Do you have any questions around that level of cover? Where is that one? Sorry. That's the one TPD. underneath your Oh, life cover, temporary permanent TBD. disability. Yep. Yeah. Yeah. Yeah. So TBD, your total permanent disability pays at a lump sum benefit or an income stream in the event that you're never able to go back to work again. So generally speaking, you need to be unable to go to work in any occupation for which you're educated, trained, or have worked in the past. It is a pretty diff... Difficult definition to claim on, but it does pay out a benefit if you're unable to ever go back to work. This shows you how much you're covered for at the moment. So you do have that benefit of $874,000.00 4. And, again, with TDD, if you are unable to get back to work ever again, under the condition of release of permanent incapacity, we can also get your super release. So you've got just over 1,200,000 of cover between your super and your TBD benefit there. Does that feel fairly comfortable for you? Did you wanna look at maybe altering or reviewing that level of cover? Let's say... How'd you... Hang on. How'd you get the 1.2 mil? So you're covered for 874,000 of a TBD, but then you're Oh, super yeah. Sorry. benefit Yep. on Yep. top of Sorry. that. Yeah. Yeah. I see No. it. Yeah. Wrong That's one. absolutely Sorry. fine.","start_word":1553,"end_word":1814,"sentiment":"neutral","sentiment_score":-0.02195923937527278},{"text":"That is absolutely fine.","start_word":1815,"end_word":1818,"sentiment":"positive","sentiment_score":0.4029998779296875},{"text":"It's not a problem at all. Max went out the window. Yeah. No. That's absolutely fine.","start_word":1819,"end_word":1834,"sentiment":"neutral","sentiment_score":0.20213407278060913},{"text":"Honestly, it's not a problem at all.","start_word":1835,"end_word":1841,"sentiment":"positive","sentiment_score":0.421014666557312},{"text":"Do you feel fairly comfortable with that level of cover? Are you fairly happy with it at the moment? Did you wanna talk about goals and kinda review that a bit deeper, or how do you feel about that? That's fine for now, I think. Yeah. Yep.","start_word":1842,"end_word":1888,"sentiment":"neutral","sentiment_score":0.14367543160915375},{"text":"Beautiful. It is a fairly good level of cover.","start_word":1889,"end_word":1897,"sentiment":"positive","sentiment_score":0.644309937953949},{"text":"I mean, if we look at it the same way that we did with your life cover, paying out the $63,000, the mortgage essentially leaves you with still over $1,200,000 there to then supplement your income to kind of live off. And if you were to be TBD, I mean, with life, the benefits paid out to your to your spouse as a life payment. But with TBD, because you're often still alive, we would provide advice on how to structure the payments, how to draw the income to make sure it does work for you long term and stays appropriate as long as possible as well. So we would definitely look at how to structure it, how to draw an income, what to pay off to make sure you're covered, and Okay.","start_word":1898,"end_word":2030,"sentiment":"neutral","sentiment_score":0.27543485164642334},{"text":"how to make that benefit last as long as possible for you as well.","start_word":2031,"end_word":2044,"sentiment":"positive","sentiment_score":0.3781774342060089},{"text":"Okay. Yep. Yeah.","start_word":2045,"end_word":2047,"sentiment":"neutral","sentiment_score":0.23208093643188477},{"text":"Beautiful.","start_word":2048,"end_word":2048,"sentiment":"positive","sentiment_score":0.630204439163208},{"text":"You've also got your income protection policy there. Now income protection can pay out a income stream in the event that you're unable to go to work in the shorter term. You can be covered for up to 70% of your pre disability income. So based on your current income and the amount you would need to be covered for, it does look like you're just slightly over insured there a little bit. So 70% of your current income gives us a sum insured of $88,166. You're currently covered for $88,390. It does kind of mean that having a extra little bit of a benefit means if you do get, you know, bonuses or your salary goes up a little bit over the course of time, that you don't have to increase that policy because increasing a policy means you go back to underwriting again, which means the insurer reassesses the policy. Yep. So having this level of cover a little bit higher than what you need, can mean that you've got that little bit of extra in case you've got extra increases in your wage or bonuses that might come into account for. But it also does mean you're paying for a little bit more than what you can realistically No. claim on as well. Does that make sense? Do you have more questions around that? That's No. okay. Are you happy with that level of income protection? Did you wanna look at altering that or keep it as it is? How do you feel about K. that, James? Keep it. Keep it? Yep.","start_word":2049,"end_word":2313,"sentiment":"neutral","sentiment_score":0.14107750806043734},{"text":"Beautiful. All good.","start_word":2314,"end_word":2316,"sentiment":"positive","sentiment_score":0.499188095331192},{"text":"Underneath that, it does show how much you are paying for the insurances. So you'll see the two amounts there. Essentially, for this... The top amount, the 5,173, that is how much the insurer receives the benefit. How much you've actually paid out of super is below that. So you actually paid $4,397.22. Unlike anything in our own name, we actually get a bit of a discount, a 15% discount for paying those insurance premiums out of super, and that's because of the taxation consequences and the way the money is transferred within the super system there. So getting a 15% discount and paying a little bit less than what the actual premium is is a good thing, but it does mean that these insurance premiums will get more expensive over time as well. So it is really important that we review them on a yearly basis and just make Well, changes as needed. Does that make sense? Do you have more questions?","start_word":2317,"end_word":2479,"sentiment":"neutral","sentiment_score":0.05288701131939888},{"text":"You're welcome it to let me know if you do.","start_word":2480,"end_word":2489,"sentiment":"positive","sentiment_score":0.3509151339530945},{"text":"Yep.","start_word":2490,"end_word":2490,"sentiment":"neutral","sentiment_score":0.2067829668521881},{"text":"makes Beautiful. All good.","start_word":2491,"end_word":2494,"sentiment":"positive","sentiment_score":0.4808842837810517},{"text":"And then underneath that, you've also got your trauma benefit sense. noted there. So you're currently paying $84.21 on a monthly basis for your trauma, and it pays out a lump sum benefit currently of 107,660. Thinking about trauma, are you fairly happy with that level of cover? Did you wanna look at reviewing that? What's the trauma cover? The trauma. So trauma pays out a lump sum benefit in the event of a trauma... Traumatic diagnosis. So think about things Alright. like cancer, Yep. a heart attack, strokes, Parkinson's. Yeah. Major diagnosis, essentially. Yeah. Yep. Okay. Alright. Yep. Yeah. That's Yep. okay. Yep. Yep.","start_word":2495,"end_word":2599,"sentiment":"neutral","sentiment_score":0.008356900060815471},{"text":"Beautiful. All good. All good. If you ever did wanna revisit those or if you have more questions, you're absolutely fine to let me know.","start_word":2600,"end_word":2624,"sentiment":"positive","sentiment_score":0.4053747355937958},{"text":"What I can even do to make it easier if you like is I could note down and send us a general email to you after the call, which just outlines the different levels of cover, how they're paid, what they cover, and what your benefit is just to kinda give you a bit of a guide and, you know, allow you to sort of think it over and have a look at them as well later on. Would you like me to do that for you? Yes, please. Yep.","start_word":2625,"end_word":2714,"sentiment":"neutral","sentiment_score":0.16682475805282593},{"text":"Beautiful.","start_word":2715,"end_word":2715,"sentiment":"positive","sentiment_score":0.410209596157074},{"text":"It is a lot to sort of talk through, and sometimes we're thinking about it. We go back later and go, hey. Maybe this is what I would like to happen, or maybe this level of cover might benefit. So if I send that email, it gives you something to sort of have a think about. You can always talk to Heather and see what what you guys would like as a goal. And if you wanted to review those, you're welcome to come back and let me know. Okay? Okay. Yep. Easy. Not Fantastic. an issue. Fantastic. If you go to the next page there for me, the next one is your performance report with regard to your super there. Next document. Yeah. It's got the... Come The heading on. is the performance It's report. it's a blank page. You beauty. Is it still loading? It's just a blank page. Come on. Hang on. Alright. That's page one. Page two. Alright.","start_word":2716,"end_word":2877,"sentiment":"neutral","sentiment_score":0.06798765256449028},{"text":"There we Beautiful.","start_word":2878,"end_word":2880,"sentiment":"positive","sentiment_score":0.35644662380218506},{"text":"So it should say performance go. report with internal rate of return. Is that the document you can see there? Yep.","start_word":2881,"end_word":2901,"sentiment":"neutral","sentiment_score":0.18226881325244904},{"text":"Yes. Fantastic. Now this is showing you how your super has performed over the past twelve months there.","start_word":2902,"end_word":2919,"sentiment":"positive","sentiment_score":0.5688777565956116},{"text":"On the front, you'll see all the individual investments. So it kinda goes through what you're invested in individually there. The area I sort of like to show you to focus on is the second last column, which is your internal rate of return. The first page there goes through them all individually.","start_word":2920,"end_word":2972,"sentiment":"neutral","sentiment_score":0.16976791620254517},{"text":"They're all doing pretty well.","start_word":2973,"end_word":2977,"sentiment":"positive","sentiment_score":0.4561757445335388},{"text":"There are some areas that aren't really responding quite well at the moment with regard to your super and investments in general. What we're sort of seeing here, the first one that Benelong Australian Equities investment. Now this is more of an actively managed fund. So the Now this is more of an actively managed fund. So the investment manager within Bennelong is meant to be trying to pick and time the market, choose investments to to invest in, and, essentially, outperform against the market. They're not really able to do that at the moment. One of the things I kinda like to break down is this... In the... There's different ways to invest in your super or in investments in general. One of those is to have active management, which is where you pick and choose active investment managers depending on what you wanna see happen. And they're meant to be trying to outperform against the market and time the market and pick investments that are... Think Warren Buffett style. They're trying to pick investments at a certain price, buy in, and then get out when they, you know, reach overvalued, essentially. Van Hello. Alon Hello. has struggled So hi. to do that. Yeah. Van Alon has struggled to do that this year. They've had a lot of ups and downs over the past couple of years and have had a lot since COVID.","start_word":2978,"end_word":3212,"sentiment":"neutral","sentiment_score":-0.09125343710184096},{"text":"But this year, they've really actually struggled to do so. They've had some underlying issues within their investment profile, and I'm actually looking to kind of remove everyone from an investment.","start_word":3213,"end_word":3243,"sentiment":"negative","sentiment_score":-0.41212067008018494},{"text":"I know one of the things I try to look at is whether an investment is still valuable and whether an investment being down is what is important to stay in or whether it's worth getting out.","start_word":3244,"end_word":3280,"sentiment":"neutral","sentiment_score":-0.2062963992357254},{"text":"Because of the issues and the research I've done around Bannalung at the moment, it is definitely worth removing them from your portfolio.","start_word":3281,"end_word":3303,"sentiment":"negative","sentiment_score":-0.33593645691871643},{"text":"What I wanna... Sort of wanted to gauge from you is to look at whether you have a preference on how you'd like your portfolios to be built because we have lots of different ways to invest. We can replace that with another active manager. There's no guarantees they'll be able to outperform against the market. They could have internal issues as well. And often, you pay a little bit more in fees to have an investment manager or an active investment manager in your portfolio. The other option I could look at if you would like to is looking at lowering investment fees within your portfolio and maybe having more of a passively managed portfolio. A passive manager is trying to just, essentially, follow an index. They're not trying to make snap decisions or outperform against the market.","start_word":3304,"end_word":3442,"sentiment":"neutral","sentiment_score":0.08481742441654205},{"text":"They can be cheaper.","start_word":3443,"end_word":3446,"sentiment":"positive","sentiment_score":0.35771724581718445},{"text":"They are following and tracking an index, and making changes in line with what changes occur in the indices. So they're making less changes in a portfolio.","start_word":3447,"end_word":3473,"sentiment":"neutral","sentiment_score":0.2617799937725067},{"text":"And quite often longer term, you can get much better returns by having passive managers in your portfolio rather than trying to time the market.","start_word":3474,"end_word":3498,"sentiment":"positive","sentiment_score":0.42799562215805054},{"text":"Thinking about your super and what you'd like to see, how do you feel about that? What would you like to see? And do So you have more they're more quest... a long term goal, not a short term... Yes. Yeah. Alright. Yeah. Okay. What would you sort of... How would you like to see things? And you're welcome to ask more questions if you need to.","start_word":3499,"end_word":3565,"sentiment":"neutral","sentiment_score":0.149299755692482},{"text":"Absolutely fine.","start_word":3566,"end_word":3567,"sentiment":"positive","sentiment_score":0.42234405875205994},{"text":"Yeah. Could... I That's okay. We have options, sir, that we can replace with both things. don't Essentially, one of the benefits to having more of a passively managed investment know. portfolio is that it can be cheaper. So one of the ways that we can look to maybe swap things out and update things is to maybe reduce the fees, maybe take... So take out this active investment manager and put you in more of a passive portfolio, which can generate much higher returns longer term.","start_word":3568,"end_word":3654,"sentiment":"neutral","sentiment_score":0.164011438345087},{"text":"It can also, saving you in fees, mean more money stays invested for you and provide you with a much greater outlook down the track.","start_word":3655,"end_word":3679,"sentiment":"positive","sentiment_score":0.4882690906524658},{"text":"Would you like to look at that as an option, or how do you sort Yeah. of feel? If if we can. Yeah. Yeah. Yeah. Absolutely. One of the things I sort of like to look at is the the other side is the risk level. So having an active manager in there means that you are taking a little bit more risk because they are trying to take and time the market, whereas more of a passively managed portfolio can be a little bit lower in risk essentially as well. Does that sound Right. comfortable? Yep. Did you want me to sort of look at having more of an... Having another active manager in that? I'm happy to do either depending on your preference. How do you feel about that? No. Probably a pass either. Yeah?","start_word":3680,"end_word":3816,"sentiment":"neutral","sentiment_score":0.07498899847269058},{"text":"Perfect.","start_word":3817,"end_word":3817,"sentiment":"positive","sentiment_score":0.3929970860481262},{"text":"Yeah.","start_word":3818,"end_word":3818,"sentiment":"neutral","sentiment_score":0.301852285861969},{"text":"Excellent.","start_word":3819,"end_word":3819,"sentiment":"positive","sentiment_score":0.4797265529632568},{"text":"Well, what I'll do is I'll go back and have a look at your super fund as well as all the investments in that for you. There are some other changes I'd like to maybe look at your portfolio as well. So you'll see here you've also... Underneath that banner along, you've got some bank hybrids. These are more of a defensive vest... Investment. Bank hybrids are very similar to bonds, essentially. They're lower risk, but they also tend to get lower rates of returns. Having them Yep.","start_word":3820,"end_word":3907,"sentiment":"neutral","sentiment_score":0.11457373946905136},{"text":"in your portfolio is really good.","start_word":3908,"end_word":3913,"sentiment":"positive","sentiment_score":0.41533416509628296},{"text":"It's to set down the track the government is actually phasing out these types of investments. They're removing bank hybrids from trying to streamline and make investments a little bit easier for people to understand. So these actually have an expiry. I would like to maybe look at removing them now and replacing them with some other defensive investment while we're making changes to your portfolio rather than down the track when we have to make changes, removing them quicker. Are you comfortable with me looking at that for you as well? So pretty much get rid of them now before the bum falls out of them. Absolutely. Sorry to put on my cat. No.","start_word":3914,"end_word":4028,"sentiment":"neutral","sentiment_score":0.09835261702537536},{"text":"That's perfect. I love it. It's fantastic. It's I great.","start_word":4029,"end_word":4038,"sentiment":"positive","sentiment_score":0.5552164316177368},{"text":"was gonna say something else, but no. Yeah. No. Yeah. Do that. It's absolutely fine. Not a problem. Your cybersecurity Apologies. and your I'm in construction. So it's like... you're fine. Look. I speak like this when I'm at work, but you haven't heard me at home. So don't worry. There is nothing you can say that I haven't heard before, and I honestly just want you to be you. That's the part of what No. I love It's all about good. a job is you get to be yourself. It doesn't matter in any way, shape, or form. Okay.","start_word":4039,"end_word":4138,"sentiment":"neutral","sentiment_score":0.08847665041685104},{"text":"Excellent. Your bank hybrids are doing really well.","start_word":4139,"end_word":4146,"sentiment":"positive","sentiment_score":0.427726149559021},{"text":"There's realistically no no need to kinda remove Hang them there. And your other Australian equities on. You are also just said the performing bank coverage quite well. to get rid of them. No. Sorry. Global cybersecurity. You said... Yeah. Alright. Pick My you up apologies on one then. if I said That's that. one. I'm sorry. Yes. Your cybersecurity I I is doing told you quite how to deal with an idiot. well. You're absolutely fine. Your battery and lithium tech is in there. We could definitely have a look at ways to sort of make sure you keep that kind of exposure within the portfolio. Physical gold is... Has had a bit of ups and downs this year, but it is still worth keeping physical gold in your portfolio. It was essentially Yeah. at a thirty year high around about February. It had taken a bit of a dip in that time frame and has been kind of recovering back slowly, but it is still good to have physical gold in your portfolio. It is still a worthwhile asset there. Okay. The... Underneath that, you've got core composite bonds, and these are, again, a more of a defensive investment. They are down a little bit in your portfolio, and it has got to do with inflation. So these sorts of bonds are affected by inflationary pressures, and we have had some very high inflation this year. So Yep. they have seen a bit of a dip in the portfolio, but they are still worth keeping in the portfolio. There's no reason to remove them out.","start_word":4147,"end_word":4413,"sentiment":"neutral","sentiment_score":-0.0014028213360113152},{"text":"And when inflation is able to dip a little bit, you'll see the core composite bonds actually react quite well to that.","start_word":4414,"end_word":4435,"sentiment":"positive","sentiment_score":0.36741727590560913},{"text":"So I do wanna sorta keep that investment in there, but I'll look at how to structure it for you. Right. You've also got the S and P 500. So this is the second last one from the bottom. This is giving you access and exposure to the top 500 companies on the a s... Sorry. On The US market. It's tracking the top... The S and P 500 index, and the S and P 500 index can essentially encompass anywhere from 500 to 520 different companies. And this is kind of a really good view of what a passive investment is. This investment is a passive investment. It is tracking the S and P 500 indices. So, essentially, whenever the committee meet for... To discuss what's happening in the S and P 500 and either to keep companies in or to remove companies from that, If they make changes to the index, then the iShares S and P 500 investment, they also make changes in line with that. So it just essentially means that less less changes occur within the investment on a regular basis. So they're not, you know, trying to pick and time the market. They're not trying to, you know, find the right company at the right price and buying in at the exact right time. They're just making changes that need to happen as per the index, And that over time can have a much greater effect for you and provide much greater returns, but it also is lower cost. And that's one of the things that's really important is trying to, you know, where possible, reduce investment fees if possible, because it means that more money stays invested in your portfolio working harder for you over time. Does that make sense? Yep. Yeah. And then you've... Underneath it, you've got the Van Eck property. Now this is giving you access and exposure to listed property.","start_word":4436,"end_word":4756,"sentiment":"neutral","sentiment_score":0.1201455369591713},{"text":"Property has taken a bit of a hit.","start_word":4757,"end_word":4764,"sentiment":"negative","sentiment_score":-0.4646034836769104},{"text":"So this investment is down.","start_word":4765,"end_word":4769,"sentiment":"neutral","sentiment_score":-0.33239004015922546},{"text":"Since the changes came into play with regards to negative gearing, property has taken a little bit of a hit. So we are seeing that down a little bit at the moment.","start_word":4770,"end_word":4801,"sentiment":"negative","sentiment_score":-0.45589321851730347},{"text":"I have been reviewing all the portfolios with this in it to decide whether or not we keep it or remove it. Realistically, we don't want to, you know, sell all the investments when they are down. We wanna allow them to come back and recover where possible. But within... Your property could be down for a while, and there might be another way to give you exposure to property without holding the investment there. Are you comfortable with me going back and reviewing the entire portfolio, maybe rejigging some things for you, looking at saving fees where I possibly can, and just looking to see where I can get the best returns possible for you. Yep. Yep. Do you have any questions about any of those investments at all so far? Only... Oh, the physical gold one. Yeah. Income Yeah. in period zero. What the hell? So a physical gold doesn't pay any income. So income is Oh, okay. essentially looking at dividends that are being paid at. And between all those investments, they all pay dividends throughout the course of the year, which is fantastic because dividends are paid to your cash account, and then that money is reinvested back in your portfolio. But commodities like physical gold and silver, they actually don't pay dividends. They're not... It's not income production... Yep. No. Sorry. Okay. Non income producing asset. So it only gets growth. And that's why it's always good to have a bit of those sorts of investments, but you don't wanna have only those. You wanna sort of incorporate some income production out of your portfolio as well. Does that make sense? Okay. Yep. Yeah. I'm Yeah. just seeing a big zero in the middle. I'm like, what the... Yeah. Absolutely. Okay. That is a great question. Why? Tell me why. No. No. It makes sense because it doesn't actually do anything. It just sits there and... Yeah. It does. Okay. Exactly. Yeah. If you go down to the next page of that one, so scroll down, you'll see there's a second page, and it basically correlates the returns seen from your entire Yep. portfolio. Yeah. So when we look at this, it shows you the market value at the beginning. So this time last year, showing you had $381,501.46. Then we've got deposits. So this is a combination of money going in from dividends as well as contributions, and all the other, you know, you get rebates and things as well. And then withdrawals essentially looks at money coming out for taxes, for CDT because your super fund also pays taxes as well as insurance premiums and anything there. And then you've got your end market value. So that's the balance within your super at... As at the twenty eighth of the ninth. The next one is the income, and that shows that within this last twelve months, your portfolio has generated total income from all the investments above of $13,773.15, which is pretty good income. Alright. Yeah. Then you've got the growth. So when we look at returns, it's a combination of growth and income. This is showing that over the past twelve months, the growth within the portfolio has been $7,856.70. So it does show the growth is definitely less than what the income has been produced, and that is a lot to do with the fact that Bennelong is down and your property is down as well.","start_word":4802,"end_word":5376,"sentiment":"neutral","sentiment_score":0.039461584049074544},{"text":"Those two investments seem to be holding your portfolio back a little bit at the moment there.","start_word":5377,"end_word":5393,"sentiment":"negative","sentiment_score":-0.42166414856910706},{"text":"But Right. the next column is your total earnings. So this is a combination of your income plus your growth within the last twelve months, and it shows that within your portfolio, that's over $21,629.85. Yep. Yep. And as a percentage, the return is about 3.54%. So, realistically, the return is a lot lower than where I would like it to be. With your portfolio Yep. and the way this is, you're in a growth growth portfolio. So that is essentially seeing 80% of your super invested in those growth higher risk investments like shares and property and gold and commodities because that's where you see a lot of the growth from. However, at times when the market is volatile and down and up and like what we've seen this year, you can also expect lower rates of returns from those sorts of investments. And that's essentially what's happened here. It's a combination of the volatility, what's been happening globally in your portfolio, but then also the fact that the government's also made those changes with the property. So your property side of things is down holding your portfolio back. And then that actively managed fund, that's been a long investment.","start_word":5394,"end_word":5594,"sentiment":"neutral","sentiment_score":0.0034268672638271577},{"text":"That's not performing great as well.","start_word":5595,"end_word":5600,"sentiment":"negative","sentiment_score":-0.45299017429351807},{"text":"They've had some internal issues there.","start_word":5601,"end_word":5606,"sentiment":"neutral","sentiment_score":-0.3241940140724182},{"text":"So those two investments have sorta held things back a little bit.","start_word":5607,"end_word":5618,"sentiment":"negative","sentiment_score":-0.3380868434906006},{"text":"Your percentage is definitely lower than where I would like it to be. However, Yep. as much as it's a 3% return, it does show 3% gives you over $21,000 in income and growth. So, you know, if we had have been able to get from this year, you know, a nine or 10 or 11% return, you could imagine the earnings would have been a lot bigger on that side of things. Does that make sense? Yep. Yep. Yeah. So what I would like to do, because this portfolio is a bit older, there are definitely some changes to make. I wanna go back, review the super, review the investment, make some changes to the portfolio, update things, and kind of look at how I can make them work a bit harder for you. We'll come back. I'll make a recommendation in a statement of advice to outline what I'm recommending we do with the investments, what changes we make. I'll show you the advantages, the disadvantages, the risks involved, and I'll relate it back to your goals for you in my best interest, Judy. And then you get to take that away and have a really good read of that as well. How does that sound? Okay. Yep. Yep. Please.","start_word":5619,"end_word":5830,"sentiment":"neutral","sentiment_score":0.10267373919487},{"text":"Beautiful. Excellent.","start_word":5831,"end_word":5832,"sentiment":"positive","sentiment_score":0.587621808052063},{"text":"That is a lot, and I understand that. Do you have any questions in relation to any of that, James, at all? Not really. No. No. That's okay. All good. I think If it's you can still scroll... still doing better than SeaBus. Yes. Yeah. Definitely. Yep. Sorry to say that, but... No. No. Absolutely fine. If you can go on to the next document for me, the next Thank one there god. is... Index chart. Yeah.","start_word":5833,"end_word":5909,"sentiment":"neutral","sentiment_score":0.12864105519536254},{"text":"So this is a bit of a guide, and this is one of the things I love about my job is the educational value.","start_word":5910,"end_word":5933,"sentiment":"positive","sentiment_score":0.4303279221057892},{"text":"It's not as interesting to everyone, and if you're not, that's okay.","start_word":5934,"end_word":5945,"sentiment":"neutral","sentiment_score":0.12378214299678802},{"text":"But this shows you how and why we invest the way we do.","start_word":5946,"end_word":5958,"sentiment":"positive","sentiment_score":0.33439019322395325},{"text":"Essentially, if you're looking at the side of the document, you've got US shares, Australian shares, international shares, and listed property. You can see those on there? Hang on. Sorry. It's on the... On... Oh, yes. Sorry. Where Yep. I'm facing? On the re... Yep. Yep.","start_word":5959,"end_word":6004,"sentiment":"neutral","sentiment_score":0.0546407550573349},{"text":"All good.","start_word":6005,"end_word":6006,"sentiment":"positive","sentiment_score":0.3760223388671875},{"text":"Those are your growth assets. So when we sort of talked before that you're in a growth portfolio, you see 80% of your super invested in these sorts of growth assets there because they get the the best kind of returns longer term. If you think about this document here, it shows you that in 1996, if you had to put $10,000 into US shares as an example, you let it sit and compound over time, reinvesting any income that's being produced, it would have turned $10,000 into 218,544. That's a lot of money. It's essentially a compounded annual return of 10.8%.","start_word":6007,"end_word":6108,"sentiment":"neutral","sentiment_score":0.1529098004102707},{"text":"So that is a really good rate of return.","start_word":6109,"end_word":6117,"sentiment":"positive","sentiment_score":0.34165382385253906},{"text":"But if you think about the person investing in 1996, they have that 10,000 invested. They're reinvesting their income, but they're going through all these ups and downs. Following that line, they've gone through things like the, you know, the GST standard... The d... GST was introduced and .com bubble was there, the Bali bombing. They also had to go through the GFC. They had to go through COVID. They had to go through, you know, Just so many a little ups bit. and Yep. downs. Exactly. And that's a very nervous sort of time to go through. When you sort of think about this... What is it? 07/08/2009. That was a Yep. Boom. Yeah. Okay. Absolutely. And the GFC lasted quite a while. You know, we saw very large dips in the market, and it took basically until around about two thousand and ten to eleven for the market to really come back to where it was pre levels before that drop. So the GFC lasted quite some time and took quite a lot of recovery there. But this is essentially Yep.","start_word":6118,"end_word":6300,"sentiment":"neutral","sentiment_score":-0.07078245385992722},{"text":"why we invest the way we do.","start_word":6301,"end_word":6307,"sentiment":"positive","sentiment_score":0.3988807201385498},{"text":"When you're younger, when you've got more time on your side, we can go through those ups and downs, keep investing and keep putting money into your super to take advantage of those sorts of ups and downs.","start_word":6308,"end_word":6345,"sentiment":"neutral","sentiment_score":0.3129655718803406},{"text":"One of the things I like to sort of use as an analogy is if you were to buy a shirt and it was a really good quality shirt and it cost you $50, you're happy with that shirt, you're happy to pay that price for that quality shirt.","start_word":6346,"end_word":6394,"sentiment":"positive","sentiment_score":0.4789414405822754},{"text":"$50, The next you're kidding, aren't day... you? $50. I've The been next in Bali. day, $5 for a shirt. That's it. the bingtang singlet. Sorry. No. You're fine. If that shirt was to go on sale the next day and it's down 50% to $25, you know, you look at it and you go, wow. Same same shirt. I could've bought two for the same amount of money if I'd held off. The same thing works with investing. If you were to say... If I use the S and P 500 as an example, if that investment is, say, you buy in and the units of that investment are $50 per unit, if your super contributions go in and it's more than a $100, then you put a $100 into that investment. You get two units of that investment. The next week, your super contributions go in. If the market's taken a bit of a dip and that investment is worth $25, that same $100 buys you four units of that investment. And then as the market comes out, you've bought some units really cheap.","start_word":6395,"end_word":6580,"sentiment":"neutral","sentiment_score":0.05602066218852997},{"text":"You actually take advantage of that.","start_word":6581,"end_word":6586,"sentiment":"positive","sentiment_score":0.3717843294143677},{"text":"It's a way to buy low and sell high without actually having to time the market. And so what we wanna do is we wanna take advantage of the ups and downs in the market. And that's why we stay invested through the downtimes and keep investing through the ups and downs in the market.","start_word":6587,"end_word":6641,"sentiment":"neutral","sentiment_score":0.2235822731798345},{"text":"And you'll find over the course of, you know, five, ten, fifteen, twenty years, it actually provides a really great benefit. And that's how we grow our super to the levels that we want to do.","start_word":6642,"end_word":6677,"sentiment":"positive","sentiment_score":0.6558822393417358},{"text":"That's how we take advantage of the ups and downs the market sees. But it is all easy to say that's what we wanna do, but it is really hard.","start_word":6678,"end_word":6707,"sentiment":"neutral","sentiment_score":0.101143017411232},{"text":"When we see things going down, it does make us feel very nervous as human beings.","start_word":6708,"end_word":6723,"sentiment":"negative","sentiment_score":-0.5140559673309326},{"text":"We And tend you to wanna feel... sell it? Absolutely.","start_word":6724,"end_word":6733,"sentiment":"neutral","sentiment_score":-0.23512789607048035},{"text":"And that compounds that downward effect. And that's essentially the biggest thing.","start_word":6734,"end_word":6745,"sentiment":"negative","sentiment_score":-0.37497812509536743},{"text":"Whenever you see the market taking a bit of a dip, 90% of that dip is human emotions. People have Yep.","start_word":6746,"end_word":6766,"sentiment":"neutral","sentiment_score":-0.2880089282989502},{"text":"read something that makes them feel nervous. So a couple of people sell, then someone else starts to sell. Then people see that is going down, and they start to sell, and it starts a chain reaction.","start_word":6767,"end_word":6803,"sentiment":"negative","sentiment_score":-0.35329756140708923},{"text":"What my job is is to help you avoid doing that, not to make that kind of a reaction. So when I kind of look at your portfolio and go, hey. I wanna make some changes to it. It's because I've reviewed the investments, because I've deemed those investments no longer viable, and that we really should look to move you into something else to replace them and to keep your super building and working harder. Does that make sense? Yep. Yeah. Yeah. So, realistically, at your age now... Now double checking, I've got you 50. wanting to... You are 50 Fifty. years. What age are you hoping to be able to fully retire and maybe access your super? What would your goal age be? 50. 50. The way I'm feeling 50. Sorry. No. Absolutely fine. I... Probably 50... Sorry. Not 60, 65, something like that. Yep. So the earliest you can access super is the age of 60 if you fully retire. Did you want me to use sixty years ago, or do you think you'd be looking to work till 65? How do you think you feel? U 60 for now. Yeah. Beautiful. So 60 as a goal, not a problem at all. So that gives you about ten years before accessing super. So, realistically, that does still suit that growth environment, that 8020 split that's been invested in that sort of growth environment. We understand and expect a negative year to occur, say, one in every five years. And this kind of portfolio, you're looking to try and obtain around about seven to 9% on a yearly basis. With volatility, you can get higher than that 9% quite comfortably, but it also means that years like this year, when things might not be working very well, that we do expect the return to be lower than that seven mark. So it's about just kinda reviewing things and, you know, looking at and making sure you're comfortable there. Thinking about that level of exposure, are you still comfortable with that? Did you wanna look at maybe reducing your exposure or reducing your risk level? How do you feel about that? I don't know. I don't know. That's okay. Sorry to I sound have like a... that. No. You're absolutely fine. I've got a questionnaire to go through. Let's run through this, and we'll talk us through about how you would feel or might react. I've answered some of them for you already. The first one here is, have you ever invested in shares or direct managed funds in your own name before?","start_word":6804,"end_word":7237,"sentiment":"neutral","sentiment_score":-0.010425639081282825},{"text":"Perfectly fine.","start_word":7238,"end_word":7239,"sentiment":"positive","sentiment_score":0.43093353509902954},{"text":"The next one here is about inflation, and it says, how much risk do you feel comfortable taking with your super? And do you feel comfortable taking on a higher level of risk to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking risk knowing the returns are lower? Where do you think you might fit on that scale? I don't know. Probably moderate ish. Yep. Yeah. Maybe. In the middle. Yep.","start_word":7240,"end_word":7329,"sentiment":"neutral","sentiment_score":-0.019964754581451416},{"text":"Beautiful.","start_word":7330,"end_word":7330,"sentiment":"positive","sentiment_score":0.5068293213844299},{"text":"Yep. The next one here says, if you saw your super fall by 20% over the next six to twelve months, how might that be making you feel? Are you a bit optimistic about the investment, maybe putting some more money in, taking advantage of the downtime? Are you a bit cautious and concerned, maybe calling us and seeing what we suggest you do and maybe looking to hold and wait through that time frame? Are you more very anxious and maybe wanting to sell your investments to cash and the cap... And crystallize those losses? How do I'd you probably think you might react probably and feel? middle call Yep. call just to double check, find out. Absolutely. Yeah. Yep.","start_word":7331,"end_word":7451,"sentiment":"neutral","sentiment_score":-0.056059031200803015},{"text":"Perfect.","start_word":7452,"end_word":7452,"sentiment":"positive","sentiment_score":0.34842628240585327},{"text":"Mhmm. The next one here is basically asking, have you ever thought about borrowing in order to invest in shares or manage funds, or have you only ever wanted to borrow for safe property? Probably borrowed to say of the property. For property? Yeah. Perfect. Yep.","start_word":7453,"end_word":7498,"sentiment":"neutral","sentiment_score":0.0321032777428627},{"text":"Lovely. Thank you for that. Now, look, that's the end of that questionnaire, happily.","start_word":7499,"end_word":7512,"sentiment":"positive","sentiment_score":0.4389180541038513},{"text":"You've scored there as a growth investor. So as I kinda mentioned before, you are in that growth portfolio. It says 80% in those growth assets, like US shares, Australian shares, international shares, and property, and then 20% in low risk defensive investments like cash and bonds. This does still Yep. suit your time horizon because you still have ten years before you're able to access Super. It still suits your investment time horizon. You... Yep. When you think about risk out of a number between one and four... So... Oh, sorry. One and five. So five being, you know, no risk at all, all sitting in cash, one being a 100% aggressive, all in shares. You're sitting at about a three. So you're kind of in that mid range there. Yep. You you have more than six years ahead of you, so you can stay in this environment. You know, you've got that seven to 9%. We could quite comfortably alter the portfolio and kind of build on that for you. When you are about six years away from accessing your super, I would be absolutely trying to push you down and start to reduce your risk level a little bit. But for now, are you comfortable with you... With me retaining that growth portfolio? Did you wanna... Do you wanna start reducing risk in line with, you know, a bit of comfort? How do you feel? Not returning as is. Retain it? Beautiful. Do you have any questions? I'll try to sort of explain it as much as I possibly can, but it can be a lot to kinda go through. Do you have any questions in relation to any of that? No. Yep.","start_word":7513,"end_word":7798,"sentiment":"neutral","sentiment_score":0.012866123651082698},{"text":"That's beautiful. There we go. Excellent. So I'll review everything and keep you in line with that growth portfolio. Fantastic.","start_word":7799,"end_word":7818,"sentiment":"positive","sentiment_score":0.6106954216957092},{"text":"Now in that order you sign, the last couple of documents attached are your Zurich certificate of the currencies that runs you through all the different insurance policies in a little bit more detail there for you. We also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me and also my licensing information in there for you as well. So you're welcome to look me up. It outlines all of our services for you there as well. The last... Oh god.","start_word":7819,"end_word":7920,"sentiment":"neutral","sentiment_score":0.2008110284805298},{"text":"My Internet's just gone stupid on me.","start_word":7921,"end_word":7927,"sentiment":"negative","sentiment_score":-0.3952952027320862},{"text":"Sorry. Oh, no. No. No. You're Hang fine. on. IP services. Consent. Yep. And the last two documents attached there are the tax file opt in form. So it lets you know that we hold your tax phone number, how and why we do so. It's about making sure that you're fully aware of the information we hold on you and also the ongoing services agreement there as well. So you do pay 1.65 for our services. This is essentially keeping it as it is for the next twelve months there. Down the track, we are looking to update our ongoing service fee. When that does, I'll go through it with you. But for the time being, you're on that 1.65. That is deducted from your super account on a monthly basis in smaller monthly increments for our services there. And we make sure... Essentially, we wanna make sure that you're receiving, you know, enough of a return to cover our ongoing service fee, but then that your super is growing and building and working on top of that as well, which is really important. Does that all make Okay. sense? And do you have any questions there at all, James? I... No. Not right now. No? Beautiful. You're welcome to take some time to review those ones. If you did or are comfortable to do so, when you're ready, we'll get you to sign and return them back just so we can keep a record of those. For us to be able to provide advice and update everything, we do have to have the ongoing service agreement signed and returned back. So feel free to run your eyes over them. And when you are comfortable, I'll get you to sign and return those back there for me as well. Okay? Yep.","start_word":7928,"end_word":8229,"sentiment":"neutral","sentiment_score":0.11550553286115066},{"text":"Beautiful.","start_word":8230,"end_word":8230,"sentiment":"positive","sentiment_score":0.544437050819397},{"text":"Pass that fee, $6 per annum. It is what it is. Pay more in CBUS. I know that one. No. You're fine. As I said, you do you. You speak your mind. You ask questions. I'm absolutely fine with it. Sorry. Sorry.","start_word":8231,"end_word":8272,"sentiment":"neutral","sentiment_score":0.07950330525636673},{"text":"My phone is checking that absolute wobbly right now.","start_word":8273,"end_word":8281,"sentiment":"negative","sentiment_score":-0.46195846796035767},{"text":"Signature. Okay. It's not letting me do it. Excellent. Oh, there we go. What is this one? Is What's that Odus? the Taxbot of OdooSign? Odus one. Yeah. Yep. That's the platform we use. It's very much similar to DocuSign. It's already got a signature in there. It's not Yep. mine. Is it just... If you click on it, it might be prepopulating a signature for you. Don't allow me to do anything. And then it might ask you to... Often you need to click on this... The date section as well, and it should automatically update the date for you. Oops. If I said draw... Oh, god. That might be smarter. So date section. This phone's gonna go into airplane mode and fly. Right. That's next document. Option to provide tax file number. You already got that. Yes. Yeah. That's... 353 Just letting you 90 know 2 that we 282. hold that. Yeah. Yep. Yep. Signature. Done. Date. Beautiful. Date's in there. Fine. Now what date? Come on. Fine. Sorry. No. You're fine. And it's come back to me. Okay. That's all being done there, James.","start_word":8282,"end_word":8468,"sentiment":"neutral","sentiment_score":0.0016005466459318995},{"text":"Thank you so much for that. I really appreciate it.","start_word":8469,"end_word":8478,"sentiment":"positive","sentiment_score":0.6155433654785156},{"text":"The last couple of things I just wanted to update are just your assets and liabilities that we had noted here. Now your main primary residence, the value we had on that house last year was about 1,100,000. What kind of value would you put on it now? Probably 1.2 ish. 1.2? Yeah. Yep.","start_word":8479,"end_word":8532,"sentiment":"neutral","sentiment_score":0.008616381324827671},{"text":"Beautiful. Fantastic. Lovely.","start_word":8533,"end_word":8535,"sentiment":"positive","sentiment_score":0.6660629510879517},{"text":"And I had a Toyota Prado on here with an asset value of 40,000. Would you alter that value? It's probably gone down to 30, but... Yeah. Yes. That's okay. I've also got a Ford Galaxy 1964 at 40,000. What kind of value Yeah. would you put on that currently? Yep. Beautiful. And then I've also got a 1971 x y Falcon Ute with 40,000 on it. Yeah. What else did I put down? I've also got the Ford x y The other one. Yeah. The other one. Yep. ute. Yep. And that was a 35,000 value, the Ford x y ute. Yep. Yeah. Beautiful. And that's all I have noted here. Do you have any other vehicles that you've got there valuable? Not mine. No. No? No. That's okay. I can't find them. No. They're enough, No. That's aren't they? okay. Yeah.","start_word":8536,"end_word":8678,"sentiment":"neutral","sentiment_score":0.02439889870584011},{"text":"They're fantastic.","start_word":8679,"end_word":8680,"sentiment":"positive","sentiment_score":0.4154498279094696},{"text":"Actually, really cool cars. Did you do them up? Is that kind of what you enjoy doing outside of work? Or Galaxy was my grandfather's that he bought Oh, very awesome. new. Yeah. So that's never been sold outside the family. Yep. So that's... Yeah. I've grown up with that one, literally. Yeah. And the ute, the $40,000 ute is... I bought that when I was an apprentice. Mhmm. Oh, wow. So I've just kept it as a toy. My grandmother gave me money to buy something so I went and bought Yep. that. So it sorta... Yeah. Beautiful. And then the other one I just picked up and I just, you know, toy with that one or just working on it, playing with it. Yeah. Yeah. No.","start_word":8681,"end_word":8808,"sentiment":"neutral","sentiment_score":0.0669722631573677},{"text":"That's fantastic. That's excellent.","start_word":8809,"end_word":8812,"sentiment":"positive","sentiment_score":0.4107327461242676},{"text":"I've updated your income there If now. Heather sold Sorry. all them she'd be... If Heather sold all them, she'd be debt free. Yeah. Yeah. I understand that. Yeah. Definitely. And income wise, now I noticed that you're not paying any additional contributions to super. Are you open to doing that to kinda help build your super, or you'd prefer not to? How do you feel about those additional contributions? I'd like to once the house is paid off. Yep. That's absolutely fine. Once the house Because, is paid off... like... Yeah. That's okay. I can revisit that down the track for you. I'll put it down as a medium term goal, something we can revisit down the track. Easy. Yep.","start_word":8813,"end_word":8933,"sentiment":"neutral","sentiment_score":0.06457395106554031},{"text":"Okay. Beautiful.","start_word":8934,"end_word":8935,"sentiment":"positive","sentiment_score":0.4657999873161316},{"text":"I also have down here that you have two financial dependents at home. So two kids still living at home. Is that right? Yes. Yep.","start_word":8936,"end_word":8960,"sentiment":"neutral","sentiment_score":0.19212706387043},{"text":"Beautiful. And I've got Heather down as your next of kin. I've also got her noted as your beneficiary for your life insurance and your super. You're still happy with that a 100% order, Heather?","start_word":8961,"end_word":8995,"sentiment":"positive","sentiment_score":0.4175995290279389},{"text":"Yep. Yep. Beautiful. The other thing I've got noted here is that you don't have a will or power of attorney. Is that something you guys have discussed in the past? Yes. Yep. Have you kinda talked about getting one done or seeking the services of a solicitor, or is it just on the list to do down the track? It's on the list. On the list.","start_word":8996,"end_word":9062,"sentiment":"neutral","sentiment_score":0.03621724620461464},{"text":"Beautiful. We'll make that for you. Excellent.","start_word":9063,"end_word":9069,"sentiment":"positive","sentiment_score":0.5126438736915588},{"text":"And so any other goals down the track that you might be looking at? Not... No. No. That's okay. Perfect. That's not a problem at all. Well, look. That's everything I needed to go through.","start_word":9070,"end_word":9104,"sentiment":"neutral","sentiment_score":0.14814487099647522},{"text":"I really appreciate you taking the time again.","start_word":9105,"end_word":9112,"sentiment":"positive","sentiment_score":0.5306599140167236},{"text":"I'm very sorry that I didn't call you late. It's not my preference at all, but wanna make sure that everyone gets the best they can out of their review. Is there anything that I maybe haven't touched on that you wanted to ask or discuss with me, or do you have any questions in relation to anything I've gone through with you at all? No. I think we've sorted it, covered it. Yeah. Yeah.","start_word":9113,"end_word":9187,"sentiment":"neutral","sentiment_score":0.050464343726634976},{"text":"Beautiful.","start_word":9188,"end_word":9188,"sentiment":"positive","sentiment_score":0.6167834401130676},{"text":"Well, what I'd like to do now is just book you in for... In a couple of weeks to go back and review the advice document after I've done the research. Is there a day or time that normally No. suits you best? It's normally Yeah.","start_word":9189,"end_word":9234,"sentiment":"neutral","sentiment_score":0.02518340013921261},{"text":"Beautiful.","start_word":9235,"end_word":9235,"sentiment":"positive","sentiment_score":0.46862709522247314},{"text":"Is sort of alright. this time of the afternoon, that's sort of 04:30 Yeah. suited to you? Anytime. Yeah. Yep.","start_word":9236,"end_word":9255,"sentiment":"neutral","sentiment_score":0.08132490515708923},{"text":"Perfect.","start_word":9256,"end_word":9256,"sentiment":"positive","sentiment_score":0.3963763117790222},{"text":"So if we go to three, the week of the October 29, I do have availability. The same time is today if you like. So it's 04:30 my time, which is 05:30 your time. Would that be okay for me to book you in then to go through your advice document? Yep.","start_word":9257,"end_word":9308,"sentiment":"neutral","sentiment_score":0.08705569058656693},{"text":"Beautiful. I'll put statement of advice there.","start_word":9309,"end_word":9315,"sentiment":"positive","sentiment_score":0.45539331436157227},{"text":"I'll add a text message reminder so it sends you a message an hour prior. If anything comes up, please let me know. But I'll get the research and have the advice document ready to go then. We can go through that together. How does that sound? Not a worry.","start_word":9316,"end_word":9365,"sentiment":"neutral","sentiment_score":0.25490522384643555},{"text":"Beautiful. Look. Thank you so much for your time. It's been a pleasure. I hope you have a good rest of your week. Thank you. You have a good one Thanks. too.","start_word":9366,"end_word":9397,"sentiment":"positive","sentiment_score":0.7844167351722717},{"text":"You too.","start_word":9398,"end_word":9399,"sentiment":"neutral","sentiment_score":0.3322167992591858},{"text":"Thanks, James. I'll talk to you soon.","start_word":9400,"end_word":9406,"sentiment":"positive","sentiment_score":0.38710182905197144},{"text":"Okay. Bye. See you later. You're so Bye. good, though? Yes. Yes.","start_word":9407,"end_word":9418,"sentiment":"neutral","sentiment_score":0.1857736110687256}],"average":{"sentiment":"neutral","sentiment_score":0.07224963426589966}}}}