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I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in. Is now still a good time at all for you? Or yep. No. No. That's okay. Yes. Yeah. Yeah. Absolutely. Not a problem at all. I can definitely have a really good chat to you about it this morning. Just before I do, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So having a bit of look at things, you may have mentioned in your annual review, you're looking at maybe having a bit more exposure into the mining area as such or that sort of area. Are you wanting to sort of look at anything particular, or are you sort of looking at maybe a little bit of direct exposure utilizing some other investment options like ETFs or managed funds that might give you diversified exposure to lots of different companies in that area, or are you sort of just looking for exposure into one or two different stocks? What's your sort of thoughts around what you'd be after? Mhmm. Yeah. Yep. Mhmm. Yeah. Absolutely. So just to have a little bit of what you do have there at the moment, in your super fund, I'm just having a quick look here for you. So within your fund at the moment, you do have a bit of exposure into the tech world. So you do have the battery and lithium tech sort of investments within ACDC there, and that is giving you access to the tech sector as well as battery and lithium tech. You've also got some physical gold in there as well with the Global X Physical Gold ETF. And then you've all yeah. So some physical gold. Yeah. So, essentially, in order to hold gold in your super fund, by holding gold bullion, you'd be yeah. You can buy that separately, but the Global X Physical Gold gives you exposure to essentially that in an ETF. So you do have exposure to that. In your sleepers, and at the moment, you are weighted about 7.5% there. So that's a good stock to have. It has been performing nicely. It's showing an increase in your portfolio. I wouldn't wanna increase that anymore. One of the big things we do wanna look at is diversification, and gold is a great asset to have. It is a growth investment and has seen really good growth there. But you've also gotta just remember, gold does have drops. And if you sort of think back to early this year, we did see in February a very large drop with gold in one day. It dropped about sort of 18% essentially in one day. So gold will see very large increases also can be open to very large dips, which can affect your portfolio. And gold isn't an income producer. What we also wanna see out of your investments is income production. So dividends that are paid back for the compounding, those dividends get paid out of your investment portfolio to your cash account, and we can use that money to reinvest into your portfolio for long term growth. Physical gold doesn't necessarily have that aspect there. But you do have 7.5% in physical gold, which is good to see. You've got some battery and lithium tech in there as well, so you do have access to the tech sector. If you like, what I could do is I could go back and have a bit of a look at the other areas, look at how your portfolio is performing, maybe look at swapping out a couple of investments that might be underperforming and maybe having a look at some of these other exchange traded funds or managed funds that give you a bit more exposure into the mining area. Is that what you'd like me to sort of do? Is that sort of what you're after? Yeah. Mhmm. Okay. Yep. I'll see if we can find yeah. You're right. Yeah. That's okay. No. That's absolutely fine. I'll see if there's anything that we can do in relation to that. It would probably have to be through some sort of managed fund with some sort of indirect exposure or into a an exposure into a company that mines for maybe the diamonds. But I can have a look at what the the options are out there for investments, see how they work. We'll look at those with your portfolio, with your level of risk exposure, and sort of see how that marries out. And if you like, I can come back with an advice document that outlines what we're recommending with your portfolio, what changes we're gonna make, how that looks, what exposure you have, and then you could decide whether you're happy to take that on. Does that sound okay? Yep. Beautiful. Sure. At the moment, sir, your balance as of today's date was sitting at a 147,050 4. Yeah. I'm just having a quick look back at your last annual review to see what your balance was then and just pulling up a portfolio report for you as well. So you had an annual review in January by the looks of things. So balance at annual review time in January was sitting at a $141,001.36. And if we have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like. Sorry. My computer's a little bit slow this morning. I don't blame it. It took me a little bit to get organized this morning too. So performance in the last 12, net of fees, is showing up 11.51%. So your portfolio has performed really well. You are in that growth growth area, so that's generally where you see about 80% of your super invested in the growth assets, like, say, commodities, like physical gold and silver. You've also got Australian shares, international shares, and listed property as well. That's where you see most of your growth from out of your portfolio. And then still having some low risk defensive investments like cash bonds and fixed interest and about 20% invested in that area. With the growth sort of environment, we are looking or chasing returns on a yearly basis of about sort of seven to 9%. So to get an 11.51% net of fees there, it has shown your portfolio has definitely overperformed for the year, which is really good. With the investments underlining, you do have a managed fund called Bennelong in there because we are looking to go back and maybe look at adding some additional exposure into those mining areas. I would like to maybe reevaluate this investment itself. Bennelong was meant to be more of an actively managed invest in your portfolio. But whilst your portfolio has done really well, this one investment has been underperforming a little bit. So I would like to maybe look at moving that out if you're open to me doing that. Yeah. Beautiful. With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured. So with having Ben along in your portfolio, it was meant to be more of an actively managed investment. And the idea of having an active manager in your portfolio is that they're trying to buy and sell and pick into the market and outperform against the market. Van Along hasn't been able to do that, and that's why we wanna move them out of there. Are you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures? What would you prefer? Yep. Yep. So good performance and maybe low cost if we can reduce the fees a little bit? Yep. Perfect. I'll have a look at some low cost investment options there for you. Look at replacing the one fund that's been underperforming and look at increasing exposure into some of those mining areas and see if we can, you know, increase exposure a bit for you. Just wanted to double check that that growth portfolio still does suit your goals as well. You'll given you're so young, you've got a lot of time ahead of you. You're not accessing Super in the next sort of two to three or five years at all. But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible. Is that right? Yep. So at the moment, the earliest you're gonna be able to access your super is age 60 so long as you fully retire. If you're wanting to access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60. Are you wanting to look at those sorts of areas, or is super kind of what you'll be banking on? Okay. Okay. No. That's alright. Yep. Right. Okay. No. That's absolutely fine. And, look, honestly, it's a it's an individual decision. Not everyone wants to. Have you sort of had a look at what came out with regard to the new budget recently with what the changes might look like for investors? Yeah. What I would probably suggest is when you are looking to maybe do that, come and have a chat to us. We're definitely here to sort of help and have a look at how that might affect you and what options might be available to you This with the new changes, and there's nothing in place as of yet. It's all still gotta go through parliament, so there could be definitely changes to it. But at the moment, in order for you as an investor to be able to access negative gearing moving forward. The changes they wanna make is that you'll need to buy a new property. Otherwise, you won't be able to claim the loss on an existing rental property. It'll have to be carried forward until you sell that and subtract it from the gain. So there are some changes coming to the negative gearing side of things. But as you kinda said, you're not really in a position to be able to do that as of yet. So when and if the time comes that you are wanting to look at the investing company or you have a chat to us, we can talk about what the options are, give you some general advice around, you know, what that looks like, and definitely have a chat to your accountants as well to see how, you know, the changes might affect your overall tax position. Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income. So, there are some changes that the government's putting out there at the moment that could affect you both positively and or negatively depending on what you're after, what your goals are, and what you're hoping to do. But feel free to come and have a chat to us then as well, Yvonne. Okay? Excellent. So with your goal, I did the moment. I'll just work on sixty as it's the first earliest point you're able to access your super just while we're focusing on super there for you. Are you okay with that? You have plenty of time. Absolutely. The one of the things I do like to sort of look at when we're looking at risk and the way you're invested within your super there is sort of what happens in the event of a negative downturn because we do know that markets go up and down even this year alone. With what we've been seeing globally, we have seen a lot of volatility. The markets have been quite up and down over the past few months there. If you saw your super full, say, by 20% over the next one to two or three years, do you think you'd be concerned about that? Would you be maybe talking to us, or are you more thinking it's a positive, it's a buying opportunity, trying to put more money into the market? How do you think you might react? No. No. So if you saw your super balance fall by 20% due to the share market taking a bit of a dip, how do you think that might make you feel? You are when you sort of look at the risk level between, say, one to five, you're sitting at sort of in between a three to four. So you're not at the highest, but you're not at the lowest. You're kind of mid range. It does suit someone of your age and stage, but it is about making sure that you you know, because markets will go up and down. It is absolutely normal. It does happen. We just need to make sure that you can sit through those cycles, that you're not gonna be able to take money out or not wanting to move money or sell investments at a downtime. So, realistically yeah. That's okay. Yep. Yep. Absolutely. So no matter what happens to it, you're happy to sort of sit through the downtime, maybe keep working a little bit longer or change your goals to allow that market to come back out and recover. Yeah. Yeah. Perfect. Excellent. The last one here is, obviously, you are looking at buying an investment property down the track there. So I'll mark off here that it's something that you do have as a bit of a goal. When you think about your super, have you ever seen the value of your super falling value? Is it something you've looked at your super and seen it's gone backwards a little bit? You don't look at it very often? Yeah. Yeah. Yeah. Perfect. That's okay. So you haven't really seen it sort of have a pullback at any point in time, but you know it could definitely happen. That's alright. The last question I wanted to kind of ask is when you think about your super, we wanna obviously make sure that you're getting the returns you're after. But to take to get higher returns, you are required to take on a little bit more risk. So when you think about taking on more risk, are you comfortable taking more risk in the market to try and get the better returns knowing you're accepting the do you feel like you'd be wanting to take a little bit less risk in the market, reduce the returns a little bit to, you know, protect the downside a little bit. How do you sort of feel? Yep. Yeah. Yeah. That's okay. Absolutely fine. Not a problem at all. Beautiful. Now having a look at that, you have scored there as a growth investor. As I kinda went through, you are in that growth environment there. That's an eighty twenty split in growth and defensive investments. This sort of a portfolio does suit someone who has at least six years before they're wanting to access that super. And when you kind of look at it out of, let's say, a range of five, five being the highest amount of risk, one being the lowest amount, you're kind of in that mid range between sort of a three and a four. So you're not all in. You still have a good diverse diversified range of investments, and your portfolio has outperformed what we would sort of expect from this portfolio for the last twelve months. So it is definitely really good, and I'd be comfortable keeping you in that for a bit longer. So if you're comfortable, I'll look at just adjusting your portfolio and just incorporating those extra areas that you're interested in if we can, trying to make sure we're reducing fees where possible and also making sure that the, you know, the portfolio has performed well in the past. Does that sound okay? Is that what you're after? Have I missed anything at all? Yep. Beautiful. Fantastic. Just wanna double check any other details. Since we kinda spoke in January, has there been any major changes to the any other part of your life? Have you had an increase in wages or anything? Oh, wow. And he's five. Is that right? Yep. No. Perfect. All good. And assets wise, you still got your main primary residence. I've got car and savings. With the main primary residence, loan value sitting at about 450,000. Is that still about the same, do you think? Yeah. That's okay. Car asset value about 35,000, loan owing about $22.05. Would you alter that or keep it about the same? Yep. That's absolutely fine. Savings, you had about 33,000 in savings. Do you still have that? Roughly? Yep. That's absolutely okay. I'll just decrease it slightly there. And I also had a holiday fund with about 3,000 sitting in that. Have you managed to pop a bit more away? I know it has been hard with the cost of living. Oh, fantastic. Where did you go to? Oh, wow. I hope you had an amazing time. Hopefully, it's nice and warm. Yeah. Absolutely. Getting back into it. Absolutely. No. All good. Well, I'll update that there for you. The other thing to sort of consider is your insurances are paid out of your super funds. So are you wanting me just to focus on the investment side of things for now? Are you happy with the insurance levels that you do have? Did you wanna alter or look at those in any way, shape, or form? Happy with those? Yep. Absolutely. So yeah. Alright. Sorry. Yes. Yeah. That's okay. Are you happy with me just limited scoping this advice piece just solely to the investment side of things for you, scoping out everything else for now? We can always come back and look at anything else additional. Yep. Beautiful. What I will do, as I will have a limited scope just for the insurances just to say that they are retained because they are paid out of super. It does have a long term effect in the projection side of things, but I'll show you all of that as part of the advice document. But I'll scope everything else that make it a very limited advice piece. It does take a couple of weeks to do the research on this. So if it's okay, my team will go back. We'll have a good look at the different investment options out there. They'll do all the research around what they look like, what's available in your super fund, the cost of everything, and then we'll come back with an advice document and let you see exactly what that looks like. Does that sound okay? Fantastic. Do you have any other questions, or have I missed anything? Or no? Fantastic. All good. Well, thank you so much for your time. I will let you go. Enjoy shopping a big w. Don't spend too much. And I will I'll go back and do the research there for you, Yvonne. If there's anything else that we do need, we'll come back and let you know. Otherwise, we should be right to touch base in a few weeks and go through the advice document with you. Okay? Oh, not a problem. Enjoy your day. Thank you so much. See you later. 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Yvonne. This is Dana from Okty Financial. How are you this morning? That's absolutely okay. I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in.\n\nIs now still a good time at all for you? Or yep. No. No. That's okay.\n\nYes. Yeah. Yeah. Absolutely. Not a problem at all.\n\nI can definitely have a really good chat to you about it this morning. Just before I do, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Beautiful. Thank you so much for that. So having a bit of look at things, you may have mentioned in your annual review, you're looking at maybe having a bit more exposure into the mining area as such or that sort of area. Are you wanting to sort of look at anything particular, or are you sort of looking at maybe a little bit of direct exposure utilizing some other investment options like ETFs or managed funds that might give you diversified exposure to lots of different companies in that area, or are you sort of just looking for exposure into one or two different stocks?\n\nWhat's your sort of thoughts around what you'd be after? Mhmm. Yeah. Yep. Mhmm.\n\nYeah. Absolutely. So just to have a little bit of what you do have there at the moment, in your super fund, I'm just having a quick look here for you. So within your fund at the moment, you do have a bit of exposure into the tech world. So you do have the battery and lithium tech sort of investments within ACDC there, and that is giving you access to the tech sector as well as battery and lithium tech.\n\nYou've also got some physical gold in there as well with the Global X Physical Gold ETF. And then you've all yeah. So some physical gold. Yeah. So, essentially, in order to hold gold in your super fund, by holding gold bullion, you'd be yeah.\n\nYou can buy that separately, but the Global X Physical Gold gives you exposure to essentially that in an ETF. So you do have exposure to that. In your sleepers, and at the moment, you are weighted about 7.5% there. So that's a good stock to have. It has been performing nicely.\n\nIt's showing an increase in your portfolio. I wouldn't wanna increase that anymore. One of the big things we do wanna look at is diversification, and gold is a great asset to have. It is a growth investment and has seen really good growth there. But you've also gotta just remember, gold does have drops.\n\nAnd if you sort of think back to early this year, we did see in February a very large drop with gold in one day. It dropped about sort of 18% essentially in one day. So gold will see very large increases also can be open to very large dips, which can affect your portfolio. And gold isn't an income producer. What we also wanna see out of your investments is income production.\n\nSo dividends that are paid back for the compounding, those dividends get paid out of your investment portfolio to your cash account, and we can use that money to reinvest into your portfolio for long term growth. Physical gold doesn't necessarily have that aspect there. But you do have 7.5% in physical gold, which is good to see. You've got some battery and lithium tech in there as well, so you do have access to the tech sector. If you like, what I could do is I could go back and have a bit of a look at the other areas, look at how your portfolio is performing, maybe look at swapping out a couple of investments that might be underperforming and maybe having a look at some of these other exchange traded funds or managed funds that give you a bit more exposure into the mining area.\n\nIs that what you'd like me to sort of do? Is that sort of what you're after? Yeah. Mhmm. Okay.\n\nYep. I'll see if we can find yeah. You're right. Yeah. That's okay.\n\nNo. That's absolutely fine. I'll see if there's anything that we can do in relation to that. It would probably have to be through some sort of managed fund with some sort of indirect exposure or into a an exposure into a company that mines for maybe the diamonds. But I can have a look at what the the options are out there for investments, see how they work.\n\nWe'll look at those with your portfolio, with your level of risk exposure, and sort of see how that marries out. And if you like, I can come back with an advice document that outlines what we're recommending with your portfolio, what changes we're gonna make, how that looks, what exposure you have, and then you could decide whether you're happy to take that on. Does that sound okay? Yep. Beautiful.\n\nSure. At the moment, sir, your balance as of today's date was sitting at a 147,050 4. Yeah. I'm just having a quick look back at your last annual review to see what your balance was then and just pulling up a portfolio report for you as well. So you had an annual review in January by the looks of things.\n\nSo balance at annual review time in January was sitting at a $141,001.36. And if we have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like. Sorry. My computer's a little bit slow this morning. I don't blame it.\n\nIt took me a little bit to get organized this morning too. So performance in the last 12, net of fees, is showing up 11.51%. So your portfolio has performed really well. You are in that growth growth area, so that's generally where you see about 80% of your super invested in the growth assets, like, say, commodities, like physical gold and silver. You've also got Australian shares, international shares, and listed property as well.\n\nThat's where you see most of your growth from out of your portfolio. And then still having some low risk defensive investments like cash bonds and fixed interest and about 20% invested in that area. With the growth sort of environment, we are looking or chasing returns on a yearly basis of about sort of seven to 9%. So to get an 11.51% net of fees there, it has shown your portfolio has definitely overperformed for the year, which is really good. With the investments underlining, you do have a managed fund called Bennelong in there because we are looking to go back and maybe look at adding some additional exposure into those mining areas.\n\nI would like to maybe reevaluate this investment itself. Bennelong was meant to be more of an actively managed invest in your portfolio. But whilst your portfolio has done really well, this one investment has been underperforming a little bit. So I would like to maybe look at moving that out if you're open to me doing that. Yeah.\n\nBeautiful. With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured. So with having Ben along in your portfolio, it was meant to be more of an actively managed investment. And the idea of having an active manager in your portfolio is that they're trying to buy and sell and pick into the market and outperform against the market. Van Along hasn't been able to do that, and that's why we wanna move them out of there.\n\nAre you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures? What would you prefer? Yep. Yep. So good performance and maybe low cost if we can reduce the fees a little bit?\n\nYep. Perfect. I'll have a look at some low cost investment options there for you. Look at replacing the one fund that's been underperforming and look at increasing exposure into some of those mining areas and see if we can, you know, increase exposure a bit for you. Just wanted to double check that that growth portfolio still does suit your goals as well.\n\nYou'll given you're so young, you've got a lot of time ahead of you. You're not accessing Super in the next sort of two to three or five years at all. But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible. Is that right? Yep.\n\nSo at the moment, the earliest you're gonna be able to access your super is age 60 so long as you fully retire. If you're wanting to access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60. Are you wanting to look at those sorts of areas, or is super kind of what you'll be banking on? Okay. Okay.\n\nNo. That's alright. Yep. Right. Okay.\n\nNo. That's absolutely fine. And, look, honestly, it's a it's an individual decision. Not everyone wants to. Have you sort of had a look at what came out with regard to the new budget recently with what the changes might look like for investors?\n\nYeah. What I would probably suggest is when you are looking to maybe do that, come and have a chat to us. We're definitely here to sort of help and have a look at how that might affect you and what options might be available to you This with the new changes, and there's nothing in place as of yet. It's all still gotta go through parliament, so there could be definitely changes to it. But at the moment, in order for you as an investor to be able to access negative gearing moving forward.\n\nThe changes they wanna make is that you'll need to buy a new property. Otherwise, you won't be able to claim the loss on an existing rental property. It'll have to be carried forward until you sell that and subtract it from the gain. So there are some changes coming to the negative gearing side of things. But as you kinda said, you're not really in a position to be able to do that as of yet.\n\nSo when and if the time comes that you are wanting to look at the investing company or you have a chat to us, we can talk about what the options are, give you some general advice around, you know, what that looks like, and definitely have a chat to your accountants as well to see how, you know, the changes might affect your overall tax position. Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income. So, there are some changes that the government's putting out there at the moment that could affect you both positively and or negatively depending on what you're after, what your goals are, and what you're hoping to do. But feel free to come and have a chat to us then as well, Yvonne. Okay?\n\nExcellent. So with your goal, I did the moment. I'll just work on sixty as it's the first earliest point you're able to access your super just while we're focusing on super there for you. Are you okay with that? You have plenty of time.\n\nAbsolutely. The one of the things I do like to sort of look at when we're looking at risk and the way you're invested within your super there is sort of what happens in the event of a negative downturn because we do know that markets go up and down even this year alone. With what we've been seeing globally, we have seen a lot of volatility. The markets have been quite up and down over the past few months there. If you saw your super full, say, by 20% over the next one to two or three years, do you think you'd be concerned about that?\n\nWould you be maybe talking to us, or are you more thinking it's a positive, it's a buying opportunity, trying to put more money into the market? How do you think you might react? No. No. So if you saw your super balance fall by 20% due to the share market taking a bit of a dip, how do you think that might make you feel?\n\nYou are when you sort of look at the risk level between, say, one to five, you're sitting at sort of in between a three to four. So you're not at the highest, but you're not at the lowest. You're kind of mid range. It does suit someone of your age and stage, but it is about making sure that you you know, because markets will go up and down. It is absolutely normal.\n\nIt does happen. We just need to make sure that you can sit through those cycles, that you're not gonna be able to take money out or not wanting to move money or sell investments at a downtime. So, realistically yeah. That's okay. Yep.\n\nYep. Absolutely. So no matter what happens to it, you're happy to sort of sit through the downtime, maybe keep working a little bit longer or change your goals to allow that market to come back out and recover. Yeah. Yeah.\n\nPerfect. Excellent. The last one here is, obviously, you are looking at buying an investment property down the track there. So I'll mark off here that it's something that you do have as a bit of a goal. When you think about your super, have you ever seen the value of your super falling value?\n\nIs it something you've looked at your super and seen it's gone backwards a little bit? You don't look at it very often? Yeah. Yeah. Yeah.\n\nPerfect. That's okay. So you haven't really seen it sort of have a pullback at any point in time, but you know it could definitely happen. That's alright. The last question I wanted to kind of ask is when you think about your super, we wanna obviously make sure that you're getting the returns you're after.\n\nBut to take to get higher returns, you are required to take on a little bit more risk. So when you think about taking on more risk, are you comfortable taking more risk in the market to try and get the better returns knowing you're accepting the do you feel like you'd be wanting to take a little bit less risk in the market, reduce the returns a little bit to, you know, protect the downside a little bit. How do you sort of feel? Yep. Yeah.\n\nYeah. That's okay. Absolutely fine. Not a problem at all. Beautiful.\n\nNow having a look at that, you have scored there as a growth investor. As I kinda went through, you are in that growth environment there. That's an eighty twenty split in growth and defensive investments. This sort of a portfolio does suit someone who has at least six years before they're wanting to access that super. And when you kind of look at it out of, let's say, a range of five, five being the highest amount of risk, one being the lowest amount, you're kind of in that mid range between sort of a three and a four.\n\nSo you're not all in. You still have a good diverse diversified range of investments, and your portfolio has outperformed what we would sort of expect from this portfolio for the last twelve months. So it is definitely really good, and I'd be comfortable keeping you in that for a bit longer. So if you're comfortable, I'll look at just adjusting your portfolio and just incorporating those extra areas that you're interested in if we can, trying to make sure we're reducing fees where possible and also making sure that the, you know, the portfolio has performed well in the past. Does that sound okay?\n\nIs that what you're after? Have I missed anything at all? Yep. Beautiful. Fantastic.\n\nJust wanna double check any other details. Since we kinda spoke in January, has there been any major changes to the any other part of your life? Have you had an increase in wages or anything? Oh, wow. And he's five.\n\nIs that right? Yep. No. Perfect. All good.\n\nAnd assets wise, you still got your main primary residence. I've got car and savings. With the main primary residence, loan value sitting at about 450,000. Is that still about the same, do you think? Yeah.\n\nThat's okay. Car asset value about 35,000, loan owing about $22.05. Would you alter that or keep it about the same? Yep. That's absolutely fine.\n\nSavings, you had about 33,000 in savings. Do you still have that? Roughly? Yep. That's absolutely okay.\n\nI'll just decrease it slightly there. And I also had a holiday fund with about 3,000 sitting in that. Have you managed to pop a bit more away? I know it has been hard with the cost of living. Oh, fantastic.\n\nWhere did you go to? Oh, wow. I hope you had an amazing time. Hopefully, it's nice and warm. Yeah.\n\nAbsolutely. Getting back into it. Absolutely. No. All good.\n\nWell, I'll update that there for you. The other thing to sort of consider is your insurances are paid out of your super funds. So are you wanting me just to focus on the investment side of things for now? Are you happy with the insurance levels that you do have? Did you wanna alter or look at those in any way, shape, or form?\n\nHappy with those? Yep. Absolutely. So yeah. Alright.\n\nSorry. Yes. Yeah. That's okay. Are you happy with me just limited scoping this advice piece just solely to the investment side of things for you, scoping out everything else for now?\n\nWe can always come back and look at anything else additional. Yep. Beautiful. What I will do, as I will have a limited scope just for the insurances just to say that they are retained because they are paid out of super. It does have a long term effect in the projection side of things, but I'll show you all of that as part of the advice document.\n\nBut I'll scope everything else that make it a very limited advice piece. It does take a couple of weeks to do the research on this. So if it's okay, my team will go back. We'll have a good look at the different investment options out there. They'll do all the research around what they look like, what's available in your super fund, the cost of everything, and then we'll come back with an advice document and let you see exactly what that looks like.\n\nDoes that sound okay? Fantastic. Do you have any other questions, or have I missed anything? Or no? Fantastic.\n\nAll good. Well, thank you so much for your time. I will let you go. Enjoy shopping a big w. Don't spend too much.\n\nAnd I will I'll go back and do the research there for you, Yvonne. If there's anything else that we do need, we'll come back and let you know. Otherwise, we should be right to touch base in a few weeks and go through the advice document with you. Okay? Oh, not a problem.\n\nEnjoy your day. Thank you so much. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yvonne.","start":1.52,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.14783526211977005},{"text":"This is Dana from Okty Financial.","start":2.1599998,"end":3.78,"sentiment":"neutral","sentiment_score":0.18389916916688284},{"text":"How are you this morning?","start":3.84,"end":5.06,"sentiment":"neutral","sentiment_score":0.26647945642471316},{"text":"That's absolutely okay.","start":8.88,"end":10.4,"sentiment":"positive","sentiment_score":0.5967399080594381},{"text":"I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in.","start":10.4,"end":15.844999,"sentiment":"neutral","sentiment_score":0.23669116731200898}],"sentiment":"neutral","sentiment_score":0.253387164324522,"num_words":44,"start":1.52,"end":15.844999},{"sentences":[{"text":"Is now still a good time at all for you?","start":15.844999,"end":17.765,"sentiment":"neutral","sentiment_score":0.3120811641216278},{"text":"Or yep.","start":17.765,"end":21.064999,"sentiment":"neutral","sentiment_score":0.16457944363355637},{"text":"No.","start":24.564999,"end":24.884998,"sentiment":"neutral","sentiment_score":-0.046337708830833435},{"text":"No.","start":24.884998,"end":25.044998,"sentiment":"neutral","sentiment_score":-0.04063853994011879},{"text":"That's okay.","start":25.044998,"end":25.865,"sentiment":"neutral","sentiment_score":0.0007780622690916053}],"sentiment":"neutral","sentiment_score":0.21028440026566386,"num_words":16,"start":15.844999,"end":25.865},{"sentences":[{"text":"Yes.","start":34.5,"end":34.98,"sentiment":"neutral","sentiment_score":0.09294572472572328},{"text":"Yeah.","start":34.98,"end":35.3,"sentiment":"neutral","sentiment_score":0.11234865337610243},{"text":"Yeah.","start":35.3,"end":35.62,"sentiment":"neutral","sentiment_score":0.1679210364818573},{"text":"Absolutely.","start":35.62,"end":36.12,"sentiment":"neutral","sentiment_score":0.3206678032875061},{"text":"Not a problem at all.","start":36.42,"end":37.38,"sentiment":"positive","sentiment_score":0.4256019115447998}],"sentiment":"neutral","sentiment_score":0.3135436417327987,"num_words":9,"start":34.5,"end":37.38},{"sentences":[{"text":"I can definitely have a really good chat to you about it this morning.","start":37.38,"end":39.86,"sentiment":"positive","sentiment_score":0.6104143389633724},{"text":"Just before I do, I do need to let you know our calls are recorded for training and quality purposes.","start":39.86,"end":44.175003,"sentiment":"neutral","sentiment_score":0.1584157232195139},{"text":"Are you happy for me to proceed with that?","start":44.175003,"end":46.195,"sentiment":"neutral","sentiment_score":0.25918855766455334},{"text":"Fantastic.","start":47.615,"end":48.115,"sentiment":"positive","sentiment_score":0.5079380869865417},{"text":"And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":48.255,"end":54.915,"sentiment":"neutral","sentiment_score":0.17046911176294088}],"sentiment":"neutral","sentiment_score":0.26328634068762,"num_words":76,"start":37.38,"end":54.915},{"sentences":[{"text":"Yep.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.04615657776594162},{"text":"Beautiful.","start":61.89,"end":62.39,"sentiment":"positive","sentiment_score":0.5135831832885742},{"text":"Thank you so much for that.","start":62.449997,"end":64.149994,"sentiment":"positive","sentiment_score":0.6021107137203217},{"text":"So having a bit of look at things, you may have mentioned in your annual review, you're looking at maybe having a bit more exposure into the mining area as such or that sort of area.","start":64.29,"end":72.505,"sentiment":"neutral","sentiment_score":0.10266499469677608},{"text":"Are you wanting to sort of look at anything particular, or are you sort of looking at maybe a little bit of direct exposure utilizing some other investment options like ETFs or managed funds that might give you diversified exposure to lots of different companies in that area, or are you sort of just looking for exposure into one or two different stocks?","start":72.505,"end":91.31,"sentiment":"neutral","sentiment_score":0.07599079981446266}],"sentiment":"neutral","sentiment_score":0.1182781704745003,"num_words":107,"start":59.25,"end":91.31},{"sentences":[{"text":"What's your sort of thoughts around what you'd be after?","start":91.31,"end":93.57,"sentiment":"neutral","sentiment_score":0.036015713959932326},{"text":"Mhmm.","start":99.325005,"end":99.825005,"sentiment":"neutral","sentiment_score":-0.018650997430086136},{"text":"Yeah.","start":102.205,"end":102.705,"sentiment":"neutral","sentiment_score":0.00512667465955019},{"text":"Yep.","start":103.965004,"end":104.465004,"sentiment":"neutral","sentiment_score":0.035093002021312714},{"text":"Mhmm.","start":111.58,"end":112.08,"sentiment":"neutral","sentiment_score":0.00894935056567192}],"sentiment":"neutral","sentiment_score":0.02790536924398371,"num_words":14,"start":91.31,"end":112.08},{"sentences":[{"text":"Yeah.","start":123.195,"end":123.515,"sentiment":"neutral","sentiment_score":0.2662172019481659},{"text":"Absolutely.","start":123.515,"end":124.015,"sentiment":"neutral","sentiment_score":0.32079461216926575},{"text":"So just to have a little bit of what you do have there at the moment, in your super fund, I'm just having a quick look here for you.","start":124.395004,"end":131.835,"sentiment":"neutral","sentiment_score":0.11687380383754599},{"text":"So within your fund at the moment, you do have a bit of exposure into the tech world.","start":131.835,"end":135.86,"sentiment":"neutral","sentiment_score":0.08923518202371067},{"text":"So you do have the battery and lithium tech sort of investments within ACDC there, and that is giving you access to the tech sector as well as battery and lithium tech.","start":135.86,"end":146.445,"sentiment":"neutral","sentiment_score":0.17194424220360816}],"sentiment":"neutral","sentiment_score":0.1368493969425743,"num_words":81,"start":123.195,"end":146.445},{"sentences":[{"text":"You've also got some physical gold in there as well with the Global X Physical Gold ETF.","start":146.845,"end":153.26501,"sentiment":"neutral","sentiment_score":0.1375249602338847},{"text":"And then you've all yeah.","start":154.365,"end":157.10501,"sentiment":"neutral","sentiment_score":0.018292241171002387},{"text":"So some physical gold.","start":157.16501,"end":158.625,"sentiment":"neutral","sentiment_score":0.007058639079332352},{"text":"Yeah.","start":164.61,"end":164.93001,"sentiment":"neutral","sentiment_score":0.03412420302629471},{"text":"So, essentially, in order to hold gold in your super fund, by holding gold bullion, you'd be yeah.","start":164.93001,"end":171.01001,"sentiment":"neutral","sentiment_score":0.06842396263447073}],"sentiment":"neutral","sentiment_score":0.08274168036878109,"num_words":45,"start":146.845,"end":171.01001},{"sentences":[{"text":"You can buy that separately, but the Global X Physical Gold gives you exposure to essentially that in an ETF.","start":171.01001,"end":178.24501,"sentiment":"neutral","sentiment_score":0.0811244159936905},{"text":"So you do have exposure to that.","start":178.38501,"end":180.16501,"sentiment":"neutral","sentiment_score":0.09251768993479866},{"text":"In your sleepers, and at the moment, you are weighted about 7.5% there.","start":180.225,"end":184.545,"sentiment":"neutral","sentiment_score":0.1554559010725755},{"text":"So that's a good stock to have.","start":184.545,"end":186.18,"sentiment":"positive","sentiment_score":0.5300620922020504},{"text":"It has been performing nicely.","start":186.18,"end":187.7,"sentiment":"positive","sentiment_score":0.6896019577980042}],"sentiment":"neutral","sentiment_score":0.2201823711108703,"num_words":52,"start":171.01001,"end":187.7},{"sentences":[{"text":"It's showing an increase in your portfolio.","start":187.7,"end":189.64,"sentiment":"positive","sentiment_score":0.5770235019070762},{"text":"I wouldn't wanna increase that anymore.","start":190.5,"end":192.68,"sentiment":"neutral","sentiment_score":-0.028623736773928005},{"text":"One of the big things we do wanna look at is diversification, and gold is a great asset to have.","start":192.81999,"end":197.45999,"sentiment":"neutral","sentiment_score":0.27611134834587575},{"text":"It is a growth investment and has seen really good growth there.","start":197.45999,"end":200.84,"sentiment":"positive","sentiment_score":0.3810598279039065},{"text":"But you've also gotta just remember, gold does have drops.","start":201.455,"end":204.975,"sentiment":"neutral","sentiment_score":-0.13139738962054254}],"sentiment":"neutral","sentiment_score":0.22997078360481696,"num_words":55,"start":187.7,"end":204.975},{"sentences":[{"text":"And if you sort of think back to early this year, we did see in February a very large drop with gold in one day.","start":204.975,"end":211.215,"sentiment":"neutral","sentiment_score":-0.14567461758852004},{"text":"It dropped about sort of 18% essentially in one day.","start":211.215,"end":214.335,"sentiment":"neutral","sentiment_score":-0.1926095888018608},{"text":"So gold will see very large increases also can be open to very large dips, which can affect your portfolio.","start":214.335,"end":220.68,"sentiment":"neutral","sentiment_score":-0.15371646396815777},{"text":"And gold isn't an income producer.","start":221.62,"end":223.45999,"sentiment":"neutral","sentiment_score":-0.12994705885648727},{"text":"What we also wanna see out of your investments is income production.","start":223.45999,"end":227.0,"sentiment":"neutral","sentiment_score":0.0050499119485418005}],"sentiment":"neutral","sentiment_score":-0.12823800023083817,"num_words":73,"start":204.975,"end":227.0},{"sentences":[{"text":"So dividends that are paid back for the compounding, those dividends get paid out of your investment portfolio to your cash account, and we can use that money to reinvest into your portfolio for long term growth.","start":227.06,"end":238.375,"sentiment":"neutral","sentiment_score":0.12190561852342374},{"text":"Physical gold doesn't necessarily have that aspect there.","start":238.91501,"end":242.13,"sentiment":"neutral","sentiment_score":0.04344938835129142},{"text":"But you do have 7.5% in physical gold, which is good to see.","start":242.21,"end":246.53,"sentiment":"positive","sentiment_score":0.5003601839909186},{"text":"You've got some battery and lithium tech in there as well, so you do have access to the tech sector.","start":246.53,"end":251.35,"sentiment":"positive","sentiment_score":0.41193508803844453},{"text":"If you like, what I could do is I could go back and have a bit of a look at the other areas, look at how your portfolio is performing, maybe look at swapping out a couple of investments that might be underperforming and maybe having a look at some of these other exchange traded funds or managed funds that give you a bit more exposure into the mining area.","start":252.05,"end":271.435,"sentiment":"neutral","sentiment_score":0.12167515765343394}],"sentiment":"neutral","sentiment_score":0.18999154176059607,"num_words":148,"start":227.06,"end":271.435},{"sentences":[{"text":"Is that what you'd like me to sort of do?","start":271.435,"end":273.35,"sentiment":"neutral","sentiment_score":0.08371645286679268},{"text":"Is that sort of what you're after?","start":273.35,"end":274.73,"sentiment":"neutral","sentiment_score":0.08679595057453428},{"text":"Yeah.","start":277.66998,"end":278.16998,"sentiment":"neutral","sentiment_score":-0.0013862857595086098},{"text":"Mhmm.","start":281.59,"end":282.09,"sentiment":"neutral","sentiment_score":-0.051297325640916824},{"text":"Okay.","start":285.52502,"end":286.02502,"sentiment":"neutral","sentiment_score":-0.06148524582386017}],"sentiment":"neutral","sentiment_score":0.06652836627326905,"num_words":20,"start":271.435,"end":286.02502},{"sentences":[{"text":"Yep.","start":290.165,"end":290.665,"sentiment":"neutral","sentiment_score":0.028390228748321533},{"text":"I'll see if we can find yeah.","start":291.845,"end":294.165,"sentiment":"neutral","sentiment_score":-0.04136032471433282},{"text":"You're right.","start":294.165,"end":294.905,"sentiment":"neutral","sentiment_score":0.026737868785858154},{"text":"Yeah.","start":313.315,"end":313.635,"sentiment":"neutral","sentiment_score":-0.036377400159835815},{"text":"That's okay.","start":313.635,"end":314.375,"sentiment":"neutral","sentiment_score":-0.02726295404136181}],"sentiment":"neutral","sentiment_score":-0.022966124224834718,"num_words":13,"start":290.165,"end":314.375},{"sentences":[{"text":"No.","start":314.435,"end":314.915,"sentiment":"neutral","sentiment_score":-0.0371345616877079},{"text":"That's absolutely fine.","start":314.915,"end":315.875,"sentiment":"neutral","sentiment_score":0.10771965483824412},{"text":"I'll see if there's anything that we can do in relation to that.","start":315.875,"end":319.095,"sentiment":"neutral","sentiment_score":0.0663054883480072},{"text":"It would probably have to be through some sort of managed fund with some sort of indirect exposure or into a an exposure into a company that mines for maybe the diamonds.","start":319.55502,"end":328.77002,"sentiment":"neutral","sentiment_score":-0.034177944296970963},{"text":"But I can have a look at what the the options are out there for investments, see how they work.","start":329.71002,"end":335.25,"sentiment":"neutral","sentiment_score":0.15738410055637359}],"sentiment":"neutral","sentiment_score":0.04640555862283361,"num_words":69,"start":314.435,"end":335.25},{"sentences":[{"text":"We'll look at those with your portfolio, with your level of risk exposure, and sort of see how that marries out.","start":335.825,"end":342.64502,"sentiment":"neutral","sentiment_score":0.09969150921374205},{"text":"And if you like, I can come back with an advice document that outlines what we're recommending with your portfolio, what changes we're gonna make, how that looks, what exposure you have, and then you could decide whether you're happy to take that on.","start":343.02502,"end":353.78,"sentiment":"neutral","sentiment_score":0.15300470861521634},{"text":"Does that sound okay?","start":353.78,"end":354.91998,"sentiment":"neutral","sentiment_score":0.1452292688190937},{"text":"Yep.","start":356.58,"end":356.97998,"sentiment":"neutral","sentiment_score":0.28528934717178345},{"text":"Beautiful.","start":356.97998,"end":357.47998,"sentiment":"positive","sentiment_score":0.4768655300140381}],"sentiment":"neutral","sentiment_score":0.1432225468312718,"num_words":71,"start":335.825,"end":357.47998},{"sentences":[{"text":"Sure.","start":358.25998,"end":358.75998,"sentiment":"neutral","sentiment_score":0.04092051088809967},{"text":"At the moment, sir, your balance as of today's date was sitting at a 147,050 4.","start":360.41998,"end":368.935,"sentiment":"neutral","sentiment_score":0.06302583031356335},{"text":"Yeah.","start":368.935,"end":369.435,"sentiment":"neutral","sentiment_score":0.07619057595729828},{"text":"I'm just having a quick look back at your last annual review to see what your balance was then and just pulling up a portfolio report for you as well.","start":369.575,"end":376.875,"sentiment":"neutral","sentiment_score":0.12794785002867382},{"text":"So you had an annual review in January by the looks of things.","start":378.215,"end":385.02002,"sentiment":"neutral","sentiment_score":0.0912258753982874}],"sentiment":"neutral","sentiment_score":0.10081797135902233,"num_words":61,"start":358.25998,"end":385.02002},{"sentences":[{"text":"So balance at annual review time in January was sitting at a $141,001.36.","start":389.48,"end":396.755,"sentiment":"neutral","sentiment_score":0.0783168412744999},{"text":"And if we have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like.","start":396.89502,"end":404.755,"sentiment":"neutral","sentiment_score":0.05777096996704737},{"text":"Sorry.","start":404.89502,"end":405.295,"sentiment":"neutral","sentiment_score":-0.06679690629243851},{"text":"My computer's a little bit slow this morning.","start":405.295,"end":407.39502,"sentiment":"neutral","sentiment_score":-0.25774463079869747},{"text":"I don't blame it.","start":411.32,"end":412.24,"sentiment":"neutral","sentiment_score":-0.22385342419147491}],"sentiment":"neutral","sentiment_score":-0.008419481580549816,"num_words":53,"start":389.48,"end":412.24},{"sentences":[{"text":"It took me a little bit to get organized this morning too.","start":412.24,"end":415.02002,"sentiment":"neutral","sentiment_score":-0.183321891973416},{"text":"So performance in the last 12, net of fees, is showing up 11.51%.","start":420.535,"end":425.975,"sentiment":"neutral","sentiment_score":0.11702036055234763},{"text":"So your portfolio has performed really well.","start":425.975,"end":428.635,"sentiment":"positive","sentiment_score":0.450275365795408},{"text":"You are in that growth growth area, so that's generally where you see about 80% of your super invested in the growth assets, like, say, commodities, like physical gold and silver.","start":429.095,"end":439.56998,"sentiment":"neutral","sentiment_score":0.1865257132918604},{"text":"You've also got Australian shares, international shares, and listed property as well.","start":440.43,"end":444.975,"sentiment":"neutral","sentiment_score":0.148825291544199}],"sentiment":"neutral","sentiment_score":0.1338870687286059,"num_words":75,"start":412.24,"end":444.975},{"sentences":[{"text":"That's where you see most of your growth from out of your portfolio.","start":445.055,"end":447.875,"sentiment":"neutral","sentiment_score":0.2203586078607119},{"text":"And then still having some low risk defensive investments like cash bonds and fixed interest and about 20% invested in that area.","start":448.255,"end":454.995,"sentiment":"neutral","sentiment_score":0.1756733777848157},{"text":"With the growth sort of environment, we are looking or chasing returns on a yearly basis of about sort of seven to 9%.","start":455.295,"end":462.18,"sentiment":"neutral","sentiment_score":0.1914695540200109},{"text":"So to get an 11.51% net of fees there, it has shown your portfolio has definitely overperformed for the year, which is really good.","start":462.18,"end":469.96,"sentiment":"positive","sentiment_score":0.5849988982081413},{"text":"With the investments underlining, you do have a managed fund called Bennelong in there because we are looking to go back and maybe look at adding some additional exposure into those mining areas.","start":471.38,"end":481.555,"sentiment":"neutral","sentiment_score":0.19127864119681445}],"sentiment":"neutral","sentiment_score":0.2737864754122237,"num_words":115,"start":445.055,"end":481.555},{"sentences":[{"text":"I would like to maybe reevaluate this investment itself.","start":481.85498,"end":485.79498,"sentiment":"neutral","sentiment_score":0.08105159219768313},{"text":"Bennelong was meant to be more of an actively managed invest in your portfolio.","start":486.57498,"end":490.55002,"sentiment":"neutral","sentiment_score":0.04528263570474727},{"text":"But whilst your portfolio has done really well, this one investment has been underperforming a little bit.","start":490.61002,"end":495.73,"sentiment":"neutral","sentiment_score":-0.1923390983001274},{"text":"So I would like to maybe look at moving that out if you're open to me doing that.","start":495.73,"end":500.31,"sentiment":"neutral","sentiment_score":-0.054543431434366435},{"text":"Yeah.","start":502.245,"end":502.64502,"sentiment":"positive","sentiment_score":0.3685051202774048}],"sentiment":"neutral","sentiment_score":-0.04270542520335165,"num_words":59,"start":481.85498,"end":502.64502},{"sentences":[{"text":"Beautiful.","start":502.64502,"end":503.14502,"sentiment":"positive","sentiment_score":0.6197398900985718},{"text":"With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured.","start":504.005,"end":508.745,"sentiment":"neutral","sentiment_score":0.1454000487214043},{"text":"So with having Ben along in your portfolio, it was meant to be more of an actively managed investment.","start":508.805,"end":514.085,"sentiment":"neutral","sentiment_score":0.10445286902157884},{"text":"And the idea of having an active manager in your portfolio is that they're trying to buy and sell and pick into the market and outperform against the market.","start":514.085,"end":522.08,"sentiment":"neutral","sentiment_score":0.14430811770003418},{"text":"Van Along hasn't been able to do that, and that's why we wanna move them out of there.","start":522.08,"end":525.78,"sentiment":"neutral","sentiment_score":-0.11808840661413139}],"sentiment":"neutral","sentiment_score":0.08769419907846233,"num_words":88,"start":502.64502,"end":525.78},{"sentences":[{"text":"Are you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures?","start":525.84,"end":537.13495,"sentiment":"neutral","sentiment_score":0.04687193430521909},{"text":"What would you prefer?","start":537.19495,"end":538.255,"sentiment":"neutral","sentiment_score":0.027537898160517216},{"text":"Yep.","start":543.29,"end":543.69,"sentiment":"neutral","sentiment_score":0.09286990016698836},{"text":"Yep.","start":543.69,"end":544.19,"sentiment":"neutral","sentiment_score":0.0967802107334137},{"text":"So good performance and maybe low cost if we can reduce the fees a little bit?","start":544.97,"end":549.14996,"sentiment":"neutral","sentiment_score":0.261973574757576}],"sentiment":"neutral","sentiment_score":0.10866115475073457,"num_words":56,"start":525.84,"end":549.14996},{"sentences":[{"text":"Yep.","start":550.97,"end":551.47,"sentiment":"neutral","sentiment_score":0.13614116609096527},{"text":"Perfect.","start":552.73,"end":553.23,"sentiment":"positive","sentiment_score":0.37331950664520264},{"text":"I'll have a look at some low cost investment options there for you.","start":554.01,"end":557.215,"sentiment":"neutral","sentiment_score":0.20966223455392397},{"text":"Look at replacing the one fund that's been underperforming and look at increasing exposure into some of those mining areas and see if we can, you know, increase exposure a bit for you.","start":557.215,"end":567.475,"sentiment":"neutral","sentiment_score":0.05069663015786897},{"text":"Just wanted to double check that that growth portfolio still does suit your goals as well.","start":568.495,"end":573.95996,"sentiment":"neutral","sentiment_score":0.25550994649529457}],"sentiment":"neutral","sentiment_score":0.14056590095424326,"num_words":64,"start":550.97,"end":573.95996},{"sentences":[{"text":"You'll given you're so young, you've got a lot of time ahead of you.","start":574.57996,"end":577.13995,"sentiment":"neutral","sentiment_score":0.010835542742695128},{"text":"You're not accessing Super in the next sort of two to three or five years at all.","start":577.13995,"end":580.75995,"sentiment":"neutral","sentiment_score":-0.07889474972206004},{"text":"But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible.","start":580.81995,"end":587.615,"sentiment":"neutral","sentiment_score":-0.03153326945460361},{"text":"Is that right?","start":587.675,"end":588.495,"sentiment":"neutral","sentiment_score":-0.004957538718978564},{"text":"Yep.","start":592.795,"end":593.115,"sentiment":"neutral","sentiment_score":0.02329094707965851}],"sentiment":"neutral","sentiment_score":-0.032868276093283605,"num_words":58,"start":574.57996,"end":593.115},{"sentences":[{"text":"So at the moment, the earliest you're gonna be able to access your super is age 60 so long as you fully retire.","start":593.115,"end":599.45496,"sentiment":"neutral","sentiment_score":0.00905638548505047},{"text":"If you're wanting to access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60.","start":599.75,"end":612.14996,"sentiment":"neutral","sentiment_score":0.041568757560199655},{"text":"Are you wanting to look at those sorts of areas, or is super kind of what you'll be banking on?","start":612.14996,"end":622.305,"sentiment":"neutral","sentiment_score":-0.13026290498673915},{"text":"Okay.","start":622.305,"end":622.805,"sentiment":"neutral","sentiment_score":-0.05480057001113891},{"text":"Okay.","start":628.07996,"end":628.57996,"sentiment":"neutral","sentiment_score":-0.07126025855541229}],"sentiment":"neutral","sentiment_score":-0.010736196634492703,"num_words":84,"start":593.115,"end":628.57996},{"sentences":[{"text":"No.","start":630.39996,"end":630.64,"sentiment":"neutral","sentiment_score":-0.2648957371711731},{"text":"That's alright.","start":630.64,"end":631.38,"sentiment":"neutral","sentiment_score":-0.22946853190660477},{"text":"Yep.","start":637.83997,"end":638.33997,"sentiment":"neutral","sentiment_score":-0.1919707953929901},{"text":"Right.","start":641.295,"end":641.795,"sentiment":"neutral","sentiment_score":-0.06852743029594421},{"text":"Okay.","start":641.935,"end":642.435,"sentiment":"neutral","sentiment_score":-0.05146806687116623}],"sentiment":"neutral","sentiment_score":-0.17263318225741386,"num_words":6,"start":630.39996,"end":642.435},{"sentences":[{"text":"No.","start":648.735,"end":649.235,"sentiment":"neutral","sentiment_score":-0.30583465099334717},{"text":"That's absolutely fine.","start":649.295,"end":650.415,"sentiment":"neutral","sentiment_score":-0.06713962306578954},{"text":"And, look, honestly, it's a it's an individual decision.","start":650.415,"end":652.975,"sentiment":"neutral","sentiment_score":-0.07799642036358516},{"text":"Not everyone wants to.","start":652.975,"end":654.39,"sentiment":"negative","sentiment_score":-0.3367161750793457},{"text":"Have you sort of had a look at what came out with regard to the new budget recently with what the changes might look like for investors?","start":654.95,"end":663.21,"sentiment":"neutral","sentiment_score":-0.09854009913073646}],"sentiment":"neutral","sentiment_score":-0.11856065182523294,"num_words":44,"start":648.735,"end":663.21},{"sentences":[{"text":"Yeah.","start":671.36505,"end":671.68506,"sentiment":"neutral","sentiment_score":-0.06407627463340759},{"text":"What I would probably suggest is when you are looking to maybe do that, come and have a chat to us.","start":671.68506,"end":677.205,"sentiment":"neutral","sentiment_score":0.01309471967674437},{"text":"We're definitely here to sort of help and have a look at how that might affect you and what options might be available to you This with the new changes, and there's nothing in place as of yet.","start":677.205,"end":686.7,"sentiment":"neutral","sentiment_score":0.01981959923317558},{"text":"It's all still gotta go through parliament, so there could be definitely changes to it.","start":686.7,"end":690.3,"sentiment":"neutral","sentiment_score":-0.15882085661093395},{"text":"But at the moment, in order for you as an investor to be able to access negative gearing moving forward.","start":690.3,"end":697.135,"sentiment":"neutral","sentiment_score":-0.23605551831424237}],"sentiment":"neutral","sentiment_score":-0.06462490111589432,"num_words":95,"start":671.36505,"end":697.135},{"sentences":[{"text":"The changes they wanna make is that you'll need to buy a new property.","start":697.135,"end":700.915,"sentiment":"neutral","sentiment_score":-0.2407854955111231},{"text":"Otherwise, you won't be able to claim the loss on an existing rental property.","start":701.615,"end":706.835,"sentiment":"negative","sentiment_score":-0.3406028811420713},{"text":"It'll have to be carried forward until you sell that and subtract it from the gain.","start":706.895,"end":710.755,"sentiment":"neutral","sentiment_score":-0.23568550031632185},{"text":"So there are some changes coming to the negative gearing side of things.","start":711.50995,"end":714.47,"sentiment":"neutral","sentiment_score":-0.325211742749581},{"text":"But as you kinda said, you're not really in a position to be able to do that as of yet.","start":714.47,"end":717.99,"sentiment":"negative","sentiment_score":-0.498327711969614}],"sentiment":"negative","sentiment_score":-0.33902223601743775,"num_words":77,"start":697.135,"end":717.99},{"sentences":[{"text":"So when and if the time comes that you are wanting to look at the investing company or you have a chat to us, we can talk about what the options are, give you some general advice around, you know, what that looks like, and definitely have a chat to your accountants as well to see how, you know, the changes might affect your overall tax position.","start":717.99,"end":734.055,"sentiment":"neutral","sentiment_score":0.0685881811903039},{"text":"Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income.","start":734.755,"end":749.82996,"sentiment":"positive","sentiment_score":0.34823312163352965},{"text":"So, there are some changes that the government's putting out there at the moment that could affect you both positively and or negatively depending on what you're after, what your goals are, and what you're hoping to do.","start":749.88995,"end":759.945,"sentiment":"neutral","sentiment_score":-0.06722189961491447},{"text":"But feel free to come and have a chat to us then as well, Yvonne.","start":760.405,"end":763.125,"sentiment":"neutral","sentiment_score":0.08636440287033717},{"text":"Okay?","start":763.125,"end":763.625,"sentiment":"neutral","sentiment_score":0.06276268512010574}],"sentiment":"neutral","sentiment_score":0.12170094014172665,"num_words":171,"start":717.99,"end":763.625},{"sentences":[{"text":"Excellent.","start":765.62,"end":766.1,"sentiment":"positive","sentiment_score":0.5789192914962769},{"text":"So with your goal, I did the moment.","start":766.1,"end":767.7,"sentiment":"positive","sentiment_score":0.376471821218729},{"text":"I'll just work on sixty as it's the first earliest point you're able to access your super just while we're focusing on super there for you.","start":767.7,"end":774.33997,"sentiment":"neutral","sentiment_score":0.23609951654305825},{"text":"Are you okay with that?","start":774.33997,"end":775.64,"sentiment":"neutral","sentiment_score":0.1379414528608322},{"text":"You have plenty of time.","start":780.305,"end":781.685,"sentiment":"neutral","sentiment_score":0.063095473498106}],"sentiment":"neutral","sentiment_score":0.23854368718134034,"num_words":45,"start":765.62,"end":781.685},{"sentences":[{"text":"Absolutely.","start":782.065,"end":782.565,"sentiment":"neutral","sentiment_score":0.2104438543319702},{"text":"The one of the things I do like to sort of look at when we're looking at risk and the way you're invested within your super there is sort of what happens in the event of a negative downturn because we do know that markets go up and down even this year alone.","start":783.505,"end":795.68,"sentiment":"neutral","sentiment_score":-0.0705915425183638},{"text":"With what we've been seeing globally, we have seen a lot of volatility.","start":795.74,"end":799.28,"sentiment":"neutral","sentiment_score":-0.14772364497184753},{"text":"The markets have been quite up and down over the past few months there.","start":799.42004,"end":803.02,"sentiment":"neutral","sentiment_score":-0.1814389739717756},{"text":"If you saw your super full, say, by 20% over the next one to two or three years, do you think you'd be concerned about that?","start":803.02,"end":809.955,"sentiment":"neutral","sentiment_score":-0.058727408544375345}],"sentiment":"neutral","sentiment_score":-0.08895676207041071,"num_words":107,"start":782.065,"end":809.955},{"sentences":[{"text":"Would you be maybe talking to us, or are you more thinking it's a positive, it's a buying opportunity, trying to put more money into the market?","start":809.955,"end":817.555,"sentiment":"neutral","sentiment_score":0.07422543979353374},{"text":"How do you think you might react?","start":817.555,"end":819.095,"sentiment":"neutral","sentiment_score":-0.047666101583412716},{"text":"No.","start":823.33,"end":823.57,"sentiment":"neutral","sentiment_score":-0.15179860591888428},{"text":"No.","start":823.57,"end":823.81,"sentiment":"neutral","sentiment_score":-0.05918799340724945},{"text":"So if you saw your super balance fall by 20% due to the share market taking a bit of a dip, how do you think that might make you feel?","start":823.81,"end":831.58997,"sentiment":"neutral","sentiment_score":-0.09402489053706328}],"sentiment":"neutral","sentiment_score":-0.020625896243886513,"num_words":66,"start":809.955,"end":831.58997},{"sentences":[{"text":"You are when you sort of look at the risk level between, say, one to five, you're sitting at sort of in between a three to four.","start":837.265,"end":844.145,"sentiment":"neutral","sentiment_score":-0.1348510522533346},{"text":"So you're not at the highest, but you're not at the lowest.","start":844.145,"end":846.225,"sentiment":"neutral","sentiment_score":-0.12784797015289465},{"text":"You're kind of mid range.","start":846.225,"end":847.605,"sentiment":"neutral","sentiment_score":-0.06675234735012055},{"text":"It does suit someone of your age and stage, but it is about making sure that you you know, because markets will go up and down.","start":848.14,"end":854.62,"sentiment":"neutral","sentiment_score":-0.036688873114494175},{"text":"It is absolutely normal.","start":854.62,"end":855.98,"sentiment":"neutral","sentiment_score":-0.03258863836526871}],"sentiment":"neutral","sentiment_score":-0.08909704113328779,"num_words":74,"start":837.265,"end":855.98},{"sentences":[{"text":"It does happen.","start":855.98,"end":856.77997,"sentiment":"neutral","sentiment_score":0.02429469923178355},{"text":"We just need to make sure that you can sit through those cycles, that you're not gonna be able to take money out or not wanting to move money or sell investments at a downtime.","start":856.77997,"end":865.505,"sentiment":"neutral","sentiment_score":-0.20498032761471613},{"text":"So, realistically yeah.","start":865.72504,"end":869.565,"sentiment":"neutral","sentiment_score":-0.09038933863242467},{"text":"That's okay.","start":869.565,"end":870.385,"sentiment":"neutral","sentiment_score":-0.05765970051288605},{"text":"Yep.","start":881.98,"end":882.48,"sentiment":"neutral","sentiment_score":-0.045850347727537155}],"sentiment":"neutral","sentiment_score":-0.17122193485159765,"num_words":44,"start":855.98,"end":882.48},{"sentences":[{"text":"Yep.","start":882.69995,"end":883.19995,"sentiment":"neutral","sentiment_score":-0.13950538635253906},{"text":"Absolutely.","start":887.275,"end":887.775,"sentiment":"neutral","sentiment_score":-0.007232669740915299},{"text":"So no matter what happens to it, you're happy to sort of sit through the downtime, maybe keep working a little bit longer or change your goals to allow that market to come back out and recover.","start":888.075,"end":897.135,"sentiment":"neutral","sentiment_score":0.06772415314775866},{"text":"Yeah.","start":898.86,"end":899.18,"sentiment":"neutral","sentiment_score":0.1341911107301712},{"text":"Yeah.","start":899.18,"end":899.5,"sentiment":"neutral","sentiment_score":0.26767468452453613}],"sentiment":"neutral","sentiment_score":0.0673395464787396,"num_words":41,"start":882.69995,"end":899.5},{"sentences":[{"text":"Perfect.","start":899.5,"end":900.0,"sentiment":"positive","sentiment_score":0.5614772439002991},{"text":"Excellent.","start":900.22,"end":900.72,"sentiment":"positive","sentiment_score":0.5512672662734985},{"text":"The last one here is, obviously, you are looking at buying an investment property down the track there.","start":901.74,"end":906.06,"sentiment":"neutral","sentiment_score":0.15097663758529556},{"text":"So I'll mark off here that it's something that you do have as a bit of a goal.","start":906.06,"end":909.36,"sentiment":"neutral","sentiment_score":0.21724563505914476},{"text":"When you think about your super, have you ever seen the value of your super falling value?","start":910.385,"end":914.545,"sentiment":"neutral","sentiment_score":-0.00945115286637755}],"sentiment":"neutral","sentiment_score":0.13781956034627826,"num_words":55,"start":899.5,"end":914.545},{"sentences":[{"text":"Is it something you've looked at your super and seen it's gone backwards a little bit?","start":914.545,"end":918.005,"sentiment":"neutral","sentiment_score":-0.06303587602451444},{"text":"You don't look at it very often?","start":924.16003,"end":925.54,"sentiment":"neutral","sentiment_score":-0.09104679205587932},{"text":"Yeah.","start":927.12,"end":927.62,"sentiment":"neutral","sentiment_score":0.001557137817144394},{"text":"Yeah.","start":937.29504,"end":937.53503,"sentiment":"positive","sentiment_score":0.3349432945251465},{"text":"Yeah.","start":937.53503,"end":938.015,"sentiment":"positive","sentiment_score":0.4208011031150818}],"sentiment":"neutral","sentiment_score":-0.03417692405100052,"num_words":26,"start":914.545,"end":938.015},{"sentences":[{"text":"Perfect.","start":938.015,"end":938.515,"sentiment":"positive","sentiment_score":0.6174589395523071},{"text":"That's okay.","start":938.575,"end":939.29504,"sentiment":"positive","sentiment_score":0.4000779539346695},{"text":"So you haven't really seen it sort of have a pullback at any point in time, but you know it could definitely happen.","start":939.29504,"end":944.41504,"sentiment":"neutral","sentiment_score":-0.06992526498177777},{"text":"That's alright.","start":944.41504,"end":945.155,"sentiment":"neutral","sentiment_score":0.10454078763723373},{"text":"The last question I wanted to kind of ask is when you think about your super, we wanna obviously make sure that you're getting the returns you're after.","start":945.935,"end":953.18,"sentiment":"neutral","sentiment_score":0.06523927567260605}],"sentiment":"neutral","sentiment_score":0.03294848298121776,"num_words":56,"start":938.015,"end":953.18},{"sentences":[{"text":"But to take to get higher returns, you are required to take on a little bit more risk.","start":953.18,"end":958.06,"sentiment":"neutral","sentiment_score":-0.026892717306812603},{"text":"So when you think about taking on more risk, are you comfortable taking more risk in the market to try and get the better returns knowing you're accepting the do you feel like you'd be wanting to take a little bit less risk in the market, reduce the returns a little bit to, you know, protect the downside a little bit.","start":958.06,"end":982.16,"sentiment":"neutral","sentiment_score":0.052664462171617105},{"text":"How do you sort of feel?","start":982.16,"end":983.3,"sentiment":"neutral","sentiment_score":-0.024183555816610653},{"text":"Yep.","start":988.63995,"end":989.13995,"sentiment":"neutral","sentiment_score":-0.09551452845335008},{"text":"Yeah.","start":1001.855,"end":1002.355,"sentiment":"neutral","sentiment_score":-0.02538214810192585}],"sentiment":"neutral","sentiment_score":0.02830419849989743,"num_words":87,"start":953.18,"end":1002.355},{"sentences":[{"text":"Yeah.","start":1002.575,"end":1002.815,"sentiment":"neutral","sentiment_score":0.007356567308306694},{"text":"That's okay.","start":1002.815,"end":1003.455,"sentiment":"neutral","sentiment_score":0.10354807786643504},{"text":"Absolutely fine.","start":1003.455,"end":1004.255,"sentiment":"neutral","sentiment_score":0.3108004033565521},{"text":"Not a problem at all.","start":1004.255,"end":1005.535,"sentiment":"neutral","sentiment_score":0.25932613015174866},{"text":"Beautiful.","start":1005.535,"end":1006.035,"sentiment":"positive","sentiment_score":0.5248236060142517}],"sentiment":"neutral","sentiment_score":0.2415916169570251,"num_words":11,"start":1002.575,"end":1006.035},{"sentences":[{"text":"Now having a look at that, you have scored there as a growth investor.","start":1006.34,"end":1009.22003,"sentiment":"neutral","sentiment_score":0.17844521094645774},{"text":"As I kinda went through, you are in that growth environment there.","start":1009.22003,"end":1012.18,"sentiment":"neutral","sentiment_score":0.10520575505991776},{"text":"That's an eighty twenty split in growth and defensive investments.","start":1012.18,"end":1015.32,"sentiment":"neutral","sentiment_score":0.12341835051774978},{"text":"This sort of a portfolio does suit someone who has at least six years before they're wanting to access that super.","start":1015.62,"end":1021.0,"sentiment":"neutral","sentiment_score":0.1442198952039083},{"text":"And when you kind of look at it out of, let's say, a range of five, five being the highest amount of risk, one being the lowest amount, you're kind of in that mid range between sort of a three and a four.","start":1021.205,"end":1029.925,"sentiment":"neutral","sentiment_score":0.062228341262007866}],"sentiment":"neutral","sentiment_score":0.10699321992695332,"num_words":100,"start":1006.34,"end":1029.925},{"sentences":[{"text":"So you're not all in.","start":1029.925,"end":1031.205,"sentiment":"neutral","sentiment_score":0.14507042467594147},{"text":"You still have a good diverse diversified range of investments, and your portfolio has outperformed what we would sort of expect from this portfolio for the last twelve months.","start":1031.205,"end":1040.97,"sentiment":"positive","sentiment_score":0.4322747189936967},{"text":"So it is definitely really good, and I'd be comfortable keeping you in that for a bit longer.","start":1040.97,"end":1045.5499,"sentiment":"positive","sentiment_score":0.6357799420754114},{"text":"So if you're comfortable, I'll look at just adjusting your portfolio and just incorporating those extra areas that you're interested in if we can, trying to make sure we're reducing fees where possible and also making sure that the, you know, the portfolio has performed well in the past.","start":1046.1699,"end":1063.3099,"sentiment":"neutral","sentiment_score":0.2679000220128468},{"text":"Does that sound okay?","start":1063.3099,"end":1064.27,"sentiment":"neutral","sentiment_score":0.20397117361426353}],"sentiment":"positive","sentiment_score":0.36807946385372253,"num_words":105,"start":1029.925,"end":1064.27},{"sentences":[{"text":"Is that what you're after?","start":1064.27,"end":1065.23,"sentiment":"neutral","sentiment_score":0.07060921639204025},{"text":"Have I missed anything at all?","start":1065.23,"end":1066.85,"sentiment":"neutral","sentiment_score":-0.047100220496455826},{"text":"Yep.","start":1068.67,"end":1069.07,"sentiment":"neutral","sentiment_score":0.19389471411705017},{"text":"Beautiful.","start":1069.07,"end":1069.57,"sentiment":"positive","sentiment_score":0.5491819381713867},{"text":"Fantastic.","start":1069.79,"end":1070.29,"sentiment":"positive","sentiment_score":0.5110571980476379}],"sentiment":"neutral","sentiment_score":0.0946127578083958,"num_words":14,"start":1064.27,"end":1070.29},{"sentences":[{"text":"Just wanna double check any other details.","start":1071.07,"end":1073.15,"sentiment":"neutral","sentiment_score":0.15325496452195303},{"text":"Since we kinda spoke in January, has there been any major changes to the any other part of your life?","start":1073.15,"end":1078.11,"sentiment":"neutral","sentiment_score":-0.0021603367291390895},{"text":"Have you had an increase in wages or anything?","start":1078.11,"end":1080.945,"sentiment":"neutral","sentiment_score":-0.028407885796493955},{"text":"Oh, wow.","start":1095.1799,"end":1095.9,"sentiment":"neutral","sentiment_score":0.011776920408010483},{"text":"And he's five.","start":1095.9,"end":1096.94,"sentiment":"neutral","sentiment_score":0.0003569576268394788}],"sentiment":"neutral","sentiment_score":0.019476384356072764,"num_words":41,"start":1071.07,"end":1096.94},{"sentences":[{"text":"Is that right?","start":1096.94,"end":1097.76,"sentiment":"neutral","sentiment_score":0.006917757913470268},{"text":"Yep.","start":1099.1,"end":1099.58,"sentiment":"neutral","sentiment_score":-0.0012079838197678328},{"text":"No.","start":1099.58,"end":1099.98,"sentiment":"neutral","sentiment_score":-0.014721697196364405},{"text":"Perfect.","start":1099.98,"end":1100.48,"sentiment":"neutral","sentiment_score":0.10510453581809998},{"text":"All good.","start":1100.78,"end":1101.6,"sentiment":"neutral","sentiment_score":0.12783583998680115}],"sentiment":"neutral","sentiment_score":0.045699976064497605,"num_words":8,"start":1096.94,"end":1101.6},{"sentences":[{"text":"And assets wise, you still got your main primary residence.","start":1101.82,"end":1104.78,"sentiment":"neutral","sentiment_score":0.02686053588986397},{"text":"I've got car and savings.","start":1104.78,"end":1106.32,"sentiment":"neutral","sentiment_score":0.025157952308654787},{"text":"With the main primary residence, loan value sitting at about 450,000.","start":1107.195,"end":1111.6749,"sentiment":"neutral","sentiment_score":0.01363610408522866},{"text":"Is that still about the same, do you think?","start":1111.6749,"end":1113.5349,"sentiment":"neutral","sentiment_score":0.011260676508148512},{"text":"Yeah.","start":1116.715,"end":1117.0349,"sentiment":"neutral","sentiment_score":0.03098515048623085}],"sentiment":"neutral","sentiment_score":0.018797875123305455,"num_words":36,"start":1101.82,"end":1117.0349},{"sentences":[{"text":"That's okay.","start":1117.0349,"end":1117.855,"sentiment":"neutral","sentiment_score":0.038384610787034035},{"text":"Car asset value about 35,000, loan owing about $22.05.","start":1118.1549,"end":1122.2001,"sentiment":"neutral","sentiment_score":0.0018311719306641156},{"text":"Would you alter that or keep it about the same?","start":1122.2001,"end":1124.4601,"sentiment":"neutral","sentiment_score":-0.008389717712998391},{"text":"Yep.","start":1126.68,"end":1127.0,"sentiment":"neutral","sentiment_score":0.038663506507873535},{"text":"That's absolutely fine.","start":1127.0,"end":1128.28,"sentiment":"neutral","sentiment_score":0.10997712363799413}],"sentiment":"neutral","sentiment_score":0.015117898769676685,"num_words":25,"start":1117.0349,"end":1128.28},{"sentences":[{"text":"Savings, you had about 33,000 in savings.","start":1128.28,"end":1130.84,"sentiment":"neutral","sentiment_score":0.02821969653346709},{"text":"Do you still have that?","start":1130.84,"end":1132.14,"sentiment":"neutral","sentiment_score":0.011036781035363675},{"text":"Roughly?","start":1135.3351,"end":1135.8351,"sentiment":"neutral","sentiment_score":-0.02717527374625206},{"text":"Yep.","start":1136.4551,"end":1136.935,"sentiment":"neutral","sentiment_score":0.030085530132055283},{"text":"That's absolutely okay.","start":1136.935,"end":1138.055,"sentiment":"neutral","sentiment_score":0.10965764770905177}],"sentiment":"neutral","sentiment_score":0.03438852826023803,"num_words":17,"start":1128.28,"end":1138.055},{"sentences":[{"text":"I'll just decrease it slightly there.","start":1138.055,"end":1139.8151,"sentiment":"neutral","sentiment_score":0.030196613632142544},{"text":"And I also had a holiday fund with about 3,000 sitting in that.","start":1139.8151,"end":1143.3351,"sentiment":"neutral","sentiment_score":0.023125416599214077},{"text":"Have you managed to pop a bit more away?","start":1143.3351,"end":1145.495,"sentiment":"neutral","sentiment_score":-0.017255509686138894},{"text":"I know it has been hard with the cost of living.","start":1145.495,"end":1147.675,"sentiment":"neutral","sentiment_score":-0.21143995360894638},{"text":"Oh, fantastic.","start":1150.79,"end":1151.75,"sentiment":"neutral","sentiment_score":0.19850614666938782}],"sentiment":"neutral","sentiment_score":-0.039080894779323076,"num_words":41,"start":1138.055,"end":1151.75},{"sentences":[{"text":"Where did you go to?","start":1151.75,"end":1152.9701,"sentiment":"neutral","sentiment_score":0.07098230496048927},{"text":"Oh, wow.","start":1154.7101,"end":1155.6901,"sentiment":"neutral","sentiment_score":0.16184189170598984},{"text":"I hope you had an amazing time.","start":1155.91,"end":1157.5901,"sentiment":"positive","sentiment_score":0.39863097241946627},{"text":"Hopefully, it's nice and warm.","start":1157.5901,"end":1159.13,"sentiment":"neutral","sentiment_score":0.29703477323055266},{"text":"Yeah.","start":1167.045,"end":1167.545,"sentiment":"neutral","sentiment_score":0.010015826672315598}],"sentiment":"neutral","sentiment_score":0.24821009039878844,"num_words":20,"start":1151.75,"end":1167.545},{"sentences":[{"text":"Absolutely.","start":1168.165,"end":1168.665,"sentiment":"neutral","sentiment_score":0.13550293445587158},{"text":"Getting back into it.","start":1168.9651,"end":1170.3451,"sentiment":"neutral","sentiment_score":0.09569553099572659},{"text":"Absolutely.","start":1170.885,"end":1171.385,"sentiment":"neutral","sentiment_score":0.17273510992527008},{"text":"No.","start":1172.405,"end":1172.805,"sentiment":"neutral","sentiment_score":0.07310646772384644},{"text":"All good.","start":1172.805,"end":1173.3651,"sentiment":"neutral","sentiment_score":0.23489288985729218}],"sentiment":"neutral","sentiment_score":0.13710137953360876,"num_words":9,"start":1168.165,"end":1173.3651},{"sentences":[{"text":"Well, I'll update that there for you.","start":1173.3651,"end":1175.385,"sentiment":"neutral","sentiment_score":0.11227576966796603},{"text":"The other thing to sort of consider is your insurances are paid out of your super funds.","start":1176.28,"end":1180.84,"sentiment":"neutral","sentiment_score":0.01782244345282807},{"text":"So are you wanting me just to focus on the investment side of things for now?","start":1180.84,"end":1184.52,"sentiment":"neutral","sentiment_score":0.029277701978571713},{"text":"Are you happy with the insurance levels that you do have?","start":1184.52,"end":1187.0801,"sentiment":"neutral","sentiment_score":-0.0005562776191668077},{"text":"Did you wanna alter or look at those in any way, shape, or form?","start":1187.0801,"end":1190.14,"sentiment":"neutral","sentiment_score":0.0021539671080453055}],"sentiment":"neutral","sentiment_score":0.024329102211273632,"num_words":65,"start":1173.3651,"end":1190.14},{"sentences":[{"text":"Happy with those?","start":1192.945,"end":1193.925,"sentiment":"neutral","sentiment_score":-0.020447321857015293},{"text":"Yep.","start":1194.385,"end":1194.785,"sentiment":"neutral","sentiment_score":0.09125053882598876},{"text":"Absolutely.","start":1194.785,"end":1195.285,"sentiment":"neutral","sentiment_score":0.13983029127120972},{"text":"So yeah.","start":1195.345,"end":1196.385,"sentiment":"neutral","sentiment_score":0.028302445076406002},{"text":"Alright.","start":1196.385,"end":1196.705,"sentiment":"neutral","sentiment_score":0.03905490413308144}],"sentiment":"neutral","sentiment_score":0.033174832351505756,"num_words":8,"start":1192.945,"end":1196.705},{"sentences":[{"text":"Sorry.","start":1196.705,"end":1197.205,"sentiment":"neutral","sentiment_score":-0.05758506804704666},{"text":"Yes.","start":1199.505,"end":1200.005,"sentiment":"neutral","sentiment_score":0.052813366055488586},{"text":"Yeah.","start":1203.12,"end":1203.36,"sentiment":"neutral","sentiment_score":0.08174377679824829},{"text":"That's okay.","start":1203.36,"end":1204.24,"sentiment":"neutral","sentiment_score":0.12048676237463951},{"text":"Are you happy with me just limited scoping this advice piece just solely to the investment side of things for you, scoping out everything else for now?","start":1204.24,"end":1211.76,"sentiment":"neutral","sentiment_score":0.08406530113683806}],"sentiment":"neutral","sentiment_score":0.08086589782033116,"num_words":32,"start":1196.705,"end":1211.76},{"sentences":[{"text":"We can always come back and look at anything else additional.","start":1211.76,"end":1214.26,"sentiment":"neutral","sentiment_score":0.04438667134805159},{"text":"Yep.","start":1215.775,"end":1216.175,"sentiment":"neutral","sentiment_score":0.18668782711029053},{"text":"Beautiful.","start":1216.175,"end":1216.5751,"sentiment":"positive","sentiment_score":0.40830308198928833},{"text":"What I will do, as I will have a limited scope just for the insurances just to say that they are retained because they are paid out of super.","start":1216.5751,"end":1223.235,"sentiment":"neutral","sentiment_score":0.09173839821897704},{"text":"It does have a long term effect in the projection side of things, but I'll show you all of that as part of the advice document.","start":1223.535,"end":1230.515,"sentiment":"neutral","sentiment_score":0.0962915701361803}],"sentiment":"neutral","sentiment_score":0.09187115685028188,"num_words":68,"start":1211.76,"end":1230.515},{"sentences":[{"text":"But I'll scope everything else that make it a very limited advice piece.","start":1231.26,"end":1234.54,"sentiment":"neutral","sentiment_score":0.01346882490011362},{"text":"It does take a couple of weeks to do the research on this.","start":1234.54,"end":1237.26,"sentiment":"neutral","sentiment_score":0.02027028025342868},{"text":"So if it's okay, my team will go back.","start":1237.26,"end":1239.42,"sentiment":"neutral","sentiment_score":0.08504307477010621},{"text":"We'll have a good look at the different investment options out there.","start":1239.42,"end":1241.98,"sentiment":"neutral","sentiment_score":0.14423650099585453},{"text":"They'll do all the research around what they look like, what's available in your super fund, the cost of everything, and then we'll come back with an advice document and let you see exactly what that looks like.","start":1241.98,"end":1252.5651,"sentiment":"neutral","sentiment_score":0.15477829975517174}],"sentiment":"neutral","sentiment_score":0.10372246403027983,"num_words":85,"start":1231.26,"end":1252.5651},{"sentences":[{"text":"Does that sound okay?","start":1252.5651,"end":1253.705,"sentiment":"neutral","sentiment_score":0.11815139092504978},{"text":"Fantastic.","start":1255.605,"end":1256.105,"sentiment":"positive","sentiment_score":0.5265427827835083},{"text":"Do you have any other questions, or have I missed anything?","start":1256.325,"end":1259.305,"sentiment":"neutral","sentiment_score":0.15795683623714882},{"text":"Or no?","start":1259.445,"end":1261.68,"sentiment":"neutral","sentiment_score":-0.02442198060452938},{"text":"Fantastic.","start":1263.8201,"end":1264.3201,"sentiment":"positive","sentiment_score":0.4536609947681427}],"sentiment":"neutral","sentiment_score":0.16534160940270676,"num_words":19,"start":1252.5651,"end":1264.3201},{"sentences":[{"text":"All good.","start":1264.78,"end":1265.42,"sentiment":"positive","sentiment_score":0.38623227179050446},{"text":"Well, thank you so much for your time.","start":1265.42,"end":1266.9401,"sentiment":"positive","sentiment_score":0.5042074918746948},{"text":"I will let you go.","start":1266.9401,"end":1267.98,"sentiment":"positive","sentiment_score":0.3474170506000519},{"text":"Enjoy shopping a big w.","start":1267.98,"end":1269.42,"sentiment":"positive","sentiment_score":0.4045726597309113},{"text":"Don't spend too much.","start":1269.42,"end":1270.64,"sentiment":"neutral","sentiment_score":-0.05202051345258951}],"sentiment":"positive","sentiment_score":0.34824962401762605,"num_words":24,"start":1264.78,"end":1270.64},{"sentences":[{"text":"And I will I'll go back and do the research there for you, Yvonne.","start":1271.98,"end":1275.2649,"sentiment":"neutral","sentiment_score":0.28663687727281023},{"text":"If there's anything else that we do need, we'll come back and let you know.","start":1275.2649,"end":1278.065,"sentiment":"neutral","sentiment_score":0.15181133399407068},{"text":"Otherwise, we should be right to touch base in a few weeks and go through the advice document with you.","start":1278.065,"end":1282.865,"sentiment":"neutral","sentiment_score":0.23800395391881465},{"text":"Okay?","start":1282.865,"end":1283.365,"sentiment":"neutral","sentiment_score":0.1619410514831543},{"text":"Oh, not a problem.","start":1285.9669,"end":1286.767,"sentiment":"positive","sentiment_score":0.6271549761295319}],"sentiment":"neutral","sentiment_score":0.2540875245575552,"num_words":54,"start":1271.98,"end":1286.767},{"sentences":[{"text":"Enjoy your day.","start":1286.767,"end":1287.7269,"sentiment":"positive","sentiment_score":0.7843658328056335},{"text":"Thank you so much.","start":1287.7269,"end":1288.787,"sentiment":"positive","sentiment_score":0.8296262919902802},{"text":"See you later.","start":1289.4869,"end":1290.2269,"sentiment":"positive","sentiment_score":0.41636326909065247},{"text":"Bye.","start":1290.287,"end":1290.787,"sentiment":"neutral","sentiment_score":-0.11469881236553192}],"sentiment":"positive","sentiment_score":0.6187266964804042,"num_words":11,"start":1286.767,"end":1290.787}]}}]},{"alternatives":[{"transcript":"Hello? Not too bad. I actually totally forgot you guys are calling. Yeah. Yeah. Yeah. It's all good. I yeah. I was just about to go in a big w, but it's all good. So I was looking at more or less in the mining sector to do some shares in. Yeah. Yeah. Yeah. Yep. Yvonne Castellano. 24th Of The 7th 91 In 14 Mahogany Avenue, Musgrove. Well, I'm not not too sure, but definitely, I work in mining. So I'm in the coal sector. So either BHP or, say, CICE. Things like that. But I also know the tech world is booming at the moment, so I wouldn't mind getting into that one as well. That's what I what was my other one as well? Yeah. Is it billion or whatever it's called? Billion? Yep. Yeah. That'd be that'd be really good. Because I was also looking I don't I don't know it was just a thought, and I don't know how it's going, but a diamond only because they are becoming very rare. And I don't know how I yeah. I don't, yeah, I don't know how it would go, but I just had a I thought I thought about gold, and I thought, what about diamonds? Only because, you know, they had the our gold diamond mine go down, and then I'm like, well, like, you know, you go to the jewelers and Diamonds are just really expensive. And so if I was to get, like, an investment in that somehow, I thought that'd be good. I could be wrong, but Yes. Yep. That's fine. I was just wondering how much is my superseding at? Yeah. Okay. Yep. I think it's a cold, to be honest. Yep. That's fine. Like anybody does. We want them to make money. Yeah. Yeah. Yeah. Well, at least 55. That's fine. No. Well, I was looking at an investment property, but I'm in no financial position to do it yet. Yeah. So I'm I'm more or less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and then move into that house and then rent out the one I'm in now. Yeah. I know it's backwards, but I don't really wanna build a brand new house and have somebody else move in. Does that make sense? No. No. I haven't. I did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything. Yep. Yep. Will do. Yep. That's fine. I I mean, I've I've still got a few years off yet. So When you mean market, do you mean, like, housing market? I'll be a bit worried, but, I mean, I guess it's the risk you take because I'm at fire risk, aren't I? Yeah. No. I don't wanna do that. If if if like, if I was to do, like, say, the investment side with the houses and whatever, and even with the super, I probably wouldn't touch anything more within a downturn, to be quite honest. Like, I don't I don't see the point in that because it takes years to try and get that back. Yeah. Look. I I'll be honest. I haven't really checked it lately only because I've been no. Just because I've been so busy. But I did notice once I first, like, got you guys to start looking at, like, looking after it, I did notice a big increase, and I was like, oh, I'm happy with that. So none. At my current age, I'm okay with the higher risk. If it was you know, I don't know. If for some reason I got sick or something and had to pull my super out, then I definitely would probably think about going that mediocre. No. That sounds great. Not really. Nothing's really changed. Yeah. No. I just go to work, go home, look after my child. If anything, he spends all my money on toys. Yep. Off the top of my head. Yep. No. I'll keep that about the same. It's yeah. Roughly, it's about 30 now, but yeah. No. I spent that. I went on that holiday. Bali. It was. It yeah. It was. It was lovely. And then I came back home and then, like, the depression of being home again was like, ah, back to reality. No. I'm happy with what everything with that. Yeah. Yeah. I still I did I did get a reminder the other day that I need to do a will. I will get to that eventually. Yep. Yeah. That's fine. No. I think that's summed it up pretty much. Yeah. No worries. Thank you so much for your time. You too. 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Not too bad. I actually totally forgot you guys are calling. Yeah. Yeah.\n\nYeah. It's all good. I yeah. I was just about to go in a big w, but it's all good. So I was looking at more or less in the mining sector to do some shares in.\n\nYeah. Yeah. Yeah. Yep. Yvonne Castellano.\n\n24th Of The 7th 91 In 14 Mahogany Avenue, Musgrove. Well, I'm not not too sure, but definitely, I work in mining. So I'm in the coal sector. So either BHP or, say, CICE. Things like that.\n\nBut I also know the tech world is booming at the moment, so I wouldn't mind getting into that one as well. That's what I what was my other one as well? Yeah. Is it billion or whatever it's called? Billion?\n\nYep. Yeah. That'd be that'd be really good. Because I was also looking I don't I don't know it was just a thought, and I don't know how it's going, but a diamond only because they are becoming very rare. And I don't know how I yeah.\n\nI don't, yeah, I don't know how it would go, but I just had a I thought I thought about gold, and I thought, what about diamonds? Only because, you know, they had the our gold diamond mine go down, and then I'm like, well, like, you know, you go to the jewelers and Diamonds are just really expensive. And so if I was to get, like, an investment in that somehow, I thought that'd be good. I could be wrong, but Yes. Yep.\n\nThat's fine. I was just wondering how much is my superseding at? Yeah. Okay. Yep.\n\nI think it's a cold, to be honest. Yep. That's fine. Like anybody does. We want them to make money.\n\nYeah. Yeah. Yeah. Well, at least 55. That's fine.\n\nNo. Well, I was looking at an investment property, but I'm in no financial position to do it yet. Yeah. So I'm I'm more or less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and then move into that house and then rent out the one I'm in now. Yeah.\n\nI know it's backwards, but I don't really wanna build a brand new house and have somebody else move in. Does that make sense? No. No. I haven't.\n\nI did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything. Yep. Yep. Will do. Yep.\n\nThat's fine. I I mean, I've I've still got a few years off yet. So When you mean market, do you mean, like, housing market? I'll be a bit worried, but, I mean, I guess it's the risk you take because I'm at fire risk, aren't I? Yeah.\n\nNo. I don't wanna do that. If if if like, if I was to do, like, say, the investment side with the houses and whatever, and even with the super, I probably wouldn't touch anything more within a downturn, to be quite honest. Like, I don't I don't see the point in that because it takes years to try and get that back. Yeah.\n\nLook. I I'll be honest. I haven't really checked it lately only because I've been no. Just because I've been so busy. But I did notice once I first, like, got you guys to start looking at, like, looking after it, I did notice a big increase, and I was like, oh, I'm happy with that.\n\nSo none. At my current age, I'm okay with the higher risk. If it was you know, I don't know. If for some reason I got sick or something and had to pull my super out, then I definitely would probably think about going that mediocre. No.\n\nThat sounds great. Not really. Nothing's really changed. Yeah. No.\n\nI just go to work, go home, look after my child. If anything, he spends all my money on toys. Yep. Off the top of my head. Yep.\n\nNo. I'll keep that about the same. It's yeah. Roughly, it's about 30 now, but yeah. No.\n\nI spent that. I went on that holiday. Bali. It was. It yeah.\n\nIt was. It was lovely. And then I came back home and then, like, the depression of being home again was like, ah, back to reality. No. I'm happy with what everything with that.\n\nYeah. Yeah. I still I did I did get a reminder the other day that I need to do a will. I will get to that eventually. Yep.\n\nYeah. That's fine. No. I think that's summed it up pretty much. Yeah.\n\nNo worries. Thank you so much for your time. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.03672318533062935},{"text":"Not too bad.","start":5.3599997,"end":6.08,"sentiment":"neutral","sentiment_score":0.21566883971293768},{"text":"I actually totally forgot you guys are calling.","start":6.08,"end":8.18,"sentiment":"neutral","sentiment_score":0.17395462188869715},{"text":"Yeah.","start":18.645,"end":18.885,"sentiment":"neutral","sentiment_score":0.12209950387477876},{"text":"Yeah.","start":18.885,"end":19.045,"sentiment":"neutral","sentiment_score":0.18005141615867615}],"sentiment":"neutral","sentiment_score":0.16982268568660533,"num_words":14,"start":0.24,"end":19.045},{"sentences":[{"text":"Yeah.","start":19.045,"end":19.125,"sentiment":"neutral","sentiment_score":0.2731730043888092},{"text":"It's all good.","start":19.125,"end":19.845,"sentiment":"positive","sentiment_score":0.5135258634885153},{"text":"I yeah.","start":19.845,"end":21.685,"sentiment":"neutral","sentiment_score":0.19260652363300323},{"text":"I was just about to go in a big w, but it's all good.","start":21.685,"end":24.105,"sentiment":"neutral","sentiment_score":0.12823987645762308},{"text":"So I was looking at more or less in the mining sector to do some shares in.","start":27.61,"end":34.43,"sentiment":"neutral","sentiment_score":0.002616162576219615}],"sentiment":"neutral","sentiment_score":0.10915666692764373,"num_words":37,"start":19.045,"end":34.43},{"sentences":[{"text":"Yeah.","start":46.375,"end":46.695,"sentiment":"neutral","sentiment_score":0.11798346042633057},{"text":"Yeah.","start":46.695,"end":46.775,"sentiment":"neutral","sentiment_score":0.13349385559558868},{"text":"Yeah.","start":46.775,"end":46.935,"sentiment":"neutral","sentiment_score":0.15783384442329407},{"text":"Yep.","start":46.935,"end":47.435,"sentiment":"neutral","sentiment_score":0.26441240310668945},{"text":"Yvonne Castellano.","start":55.670002,"end":56.65,"sentiment":"neutral","sentiment_score":0.036445505917072296}],"sentiment":"neutral","sentiment_score":0.12443576256434123,"num_words":6,"start":46.375,"end":56.65},{"sentences":[{"text":"24th Of The 7th 91 In 14 Mahogany Avenue, Musgrove.","start":56.87,"end":60.73,"sentiment":"neutral","sentiment_score":0.03743021711707115},{"text":"Well, I'm not not too sure, but definitely, I work in mining.","start":95.09,"end":101.625,"sentiment":"neutral","sentiment_score":-0.033222771948203444},{"text":"So I'm in the coal sector.","start":101.765,"end":103.545,"sentiment":"neutral","sentiment_score":0.006072946009226143},{"text":"So either BHP or, say, CICE.","start":104.965004,"end":110.425,"sentiment":"neutral","sentiment_score":0.02999186081190904},{"text":"Things like that.","start":114.39,"end":115.03001,"sentiment":"neutral","sentiment_score":-0.002093602592746416}],"sentiment":"neutral","sentiment_score":0.0050199173227254605,"num_words":37,"start":56.87,"end":115.03001},{"sentences":[{"text":"But I also know the tech world is booming at the moment, so I wouldn't mind getting into that one as well.","start":115.03001,"end":122.810005,"sentiment":"neutral","sentiment_score":0.15166236104613},{"text":"That's what I what was my other one as well?","start":153.815,"end":156.235,"sentiment":"neutral","sentiment_score":0.02804785519838333},{"text":"Yeah.","start":159.33499,"end":159.83499,"sentiment":"neutral","sentiment_score":0.01001034490764141},{"text":"Is it billion or whatever it's called?","start":160.135,"end":163.255,"sentiment":"neutral","sentiment_score":0.012500352558812924},{"text":"Billion?","start":163.255,"end":163.755,"sentiment":"neutral","sentiment_score":0.0079317856580019}],"sentiment":"neutral","sentiment_score":0.09079256325551285,"num_words":41,"start":115.03001,"end":163.755},{"sentences":[{"text":"Yep.","start":190.595,"end":191.095,"sentiment":"neutral","sentiment_score":0.06735499203205109},{"text":"Yeah.","start":275.19498,"end":275.51498,"sentiment":"neutral","sentiment_score":0.23561149835586548},{"text":"That'd be that'd be really good.","start":275.51498,"end":276.875,"sentiment":"positive","sentiment_score":0.4034588237603505},{"text":"Because I was also looking I don't I don't know it was just a thought, and I don't know how it's going, but a diamond only because they are becoming very rare.","start":276.875,"end":289.27002,"sentiment":"neutral","sentiment_score":-0.07006356824422255},{"text":"And I don't know how I yeah.","start":291.73,"end":294.53,"sentiment":"neutral","sentiment_score":-0.03561625549835818}],"sentiment":"neutral","sentiment_score":0.004944073630774275,"num_words":47,"start":190.595,"end":294.53},{"sentences":[{"text":"I don't, yeah, I don't know how it would go, but I just had a I thought I thought about gold, and I thought, what about diamonds?","start":294.53,"end":300.845,"sentiment":"neutral","sentiment_score":-0.07279859027928776},{"text":"Only because, you know, they had the our gold diamond mine go down, and then I'm like, well, like, you know, you go to the jewelers and Diamonds are just really expensive.","start":300.845,"end":309.1,"sentiment":"neutral","sentiment_score":-0.1322829492855817},{"text":"And so if I was to get, like, an investment in that somehow, I thought that'd be good.","start":309.1,"end":312.80002,"sentiment":"neutral","sentiment_score":-0.039534247066411704},{"text":"I could be wrong, but Yes.","start":312.86002,"end":330.135,"sentiment":"neutral","sentiment_score":-0.0026495708152651787},{"text":"Yep.","start":355.315,"end":355.555,"sentiment":"neutral","sentiment_score":0.15542499721050262}],"sentiment":"neutral","sentiment_score":-0.08060363320899862,"num_words":84,"start":294.53,"end":355.555},{"sentences":[{"text":"That's fine.","start":355.555,"end":356.295,"sentiment":"neutral","sentiment_score":0.29394662380218506},{"text":"I was just wondering how much is my superseding at?","start":356.435,"end":359.575,"sentiment":"neutral","sentiment_score":0.14071955922991036},{"text":"Yeah.","start":367.35,"end":367.59003,"sentiment":"neutral","sentiment_score":0.03863998129963875},{"text":"Okay.","start":367.59003,"end":368.09003,"sentiment":"neutral","sentiment_score":0.042431674897670746},{"text":"Yep.","start":397.23,"end":397.73,"sentiment":"neutral","sentiment_score":0.05982780456542969}],"sentiment":"neutral","sentiment_score":0.14239922004441422,"num_words":15,"start":355.555,"end":397.73},{"sentences":[{"text":"I think it's a cold, to be honest.","start":408.805,"end":410.58502,"sentiment":"neutral","sentiment_score":-0.25590769946575165},{"text":"Yep.","start":500.805,"end":501.125,"sentiment":"neutral","sentiment_score":0.1230238527059555},{"text":"That's fine.","start":501.125,"end":501.945,"sentiment":"neutral","sentiment_score":0.2315123975276947},{"text":"Like anybody does.","start":540.22003,"end":541.18,"sentiment":"neutral","sentiment_score":0.02240365867813428},{"text":"We want them to make money.","start":541.18,"end":542.48004,"sentiment":"neutral","sentiment_score":0.04309233774741491}],"sentiment":"neutral","sentiment_score":-0.0567723972722888,"num_words":20,"start":408.805,"end":542.48004},{"sentences":[{"text":"Yeah.","start":542.7,"end":543.2,"sentiment":"neutral","sentiment_score":0.0852070301771164},{"text":"Yeah.","start":558.765,"end":559.265,"sentiment":"neutral","sentiment_score":-0.031391292810440063},{"text":"Yeah.","start":590.085,"end":590.405,"sentiment":"neutral","sentiment_score":-0.00887291133403778},{"text":"Well, at least 55.","start":590.405,"end":592.11,"sentiment":"neutral","sentiment_score":-0.013790613505989313},{"text":"That's fine.","start":600.26996,"end":601.08997,"sentiment":"neutral","sentiment_score":-0.00568940257653594}],"sentiment":"neutral","sentiment_score":-0.002399825904932287,"num_words":9,"start":542.7,"end":601.08997},{"sentences":[{"text":"No.","start":617.54,"end":617.77997,"sentiment":"neutral","sentiment_score":-0.1796741634607315},{"text":"Well, I was looking at an investment property, but I'm in no financial position to do it yet.","start":617.77997,"end":627.39996,"sentiment":"neutral","sentiment_score":-0.19222670928057697},{"text":"Yeah.","start":629.355,"end":629.835,"sentiment":"neutral","sentiment_score":-0.07675273716449738},{"text":"So I'm I'm more or less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and then move into that house and then rent out the one I'm in now.","start":629.835,"end":640.815,"sentiment":"neutral","sentiment_score":-0.29938601211803717},{"text":"Yeah.","start":643.43,"end":643.67,"sentiment":"neutral","sentiment_score":-0.11390429735183716}],"sentiment":"neutral","sentiment_score":-0.25976191067527377,"num_words":62,"start":617.54,"end":643.67},{"sentences":[{"text":"I know it's backwards, but I don't really wanna build a brand new house and have somebody else move in.","start":643.67,"end":648.07,"sentiment":"negative","sentiment_score":-0.36981832385063174},{"text":"Does that make sense?","start":648.07,"end":649.05,"sentiment":"neutral","sentiment_score":-0.16590650007128716},{"text":"No.","start":661.305,"end":661.805,"sentiment":"neutral","sentiment_score":-0.173526793718338},{"text":"No.","start":663.945,"end":664.265,"sentiment":"neutral","sentiment_score":-0.2459016740322113},{"text":"I haven't.","start":664.265,"end":664.665,"sentiment":"neutral","sentiment_score":-0.27030761539936066}],"sentiment":"neutral","sentiment_score":-0.32214414913739475,"num_words":28,"start":643.67,"end":664.665},{"sentences":[{"text":"I did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything.","start":664.665,"end":670.94,"sentiment":"negative","sentiment_score":-0.38391830162568524},{"text":"Yep.","start":750.825,"end":751.325,"sentiment":"neutral","sentiment_score":0.031706225126981735},{"text":"Yep.","start":764.02997,"end":764.51,"sentiment":"neutral","sentiment_score":0.09087996184825896},{"text":"Will do.","start":764.51,"end":765.25,"sentiment":"neutral","sentiment_score":0.25501011312007904},{"text":"Yep.","start":775.785,"end":776.105,"sentiment":"neutral","sentiment_score":0.1023070439696312}],"sentiment":"neutral","sentiment_score":-0.28560330291037206,"num_words":27,"start":664.665,"end":776.105},{"sentences":[{"text":"That's fine.","start":776.105,"end":776.665,"sentiment":"neutral","sentiment_score":0.20918148010969162},{"text":"I I mean, I've I've still got a few years off yet.","start":776.665,"end":779.545,"sentiment":"neutral","sentiment_score":0.00822236156091094},{"text":"So When you mean market, do you mean, like, housing market?","start":779.545,"end":822.68,"sentiment":"neutral","sentiment_score":-0.037422104315324264},{"text":"I'll be a bit worried, but, I mean, I guess it's the risk you take because I'm at fire risk, aren't I?","start":832.045,"end":836.625,"sentiment":"neutral","sentiment_score":-0.24095457182689148},{"text":"Yeah.","start":866.66504,"end":866.905,"sentiment":"neutral","sentiment_score":-0.1538132280111313}],"sentiment":"neutral","sentiment_score":-0.11144636784835409,"num_words":48,"start":776.105,"end":866.905},{"sentences":[{"text":"No.","start":866.905,"end":867.065,"sentiment":"negative","sentiment_score":-0.42998915910720825},{"text":"I don't wanna do that.","start":867.065,"end":868.28503,"sentiment":"negative","sentiment_score":-0.4685373067855835},{"text":"If if if like, if I was to do, like, say, the investment side with the houses and whatever, and even with the super, I probably wouldn't touch anything more within a downturn, to be quite honest.","start":869.545,"end":882.13,"sentiment":"neutral","sentiment_score":-0.1372622191100507},{"text":"Like, I don't I don't see the point in that because it takes years to try and get that back.","start":882.13,"end":891.85504,"sentiment":"neutral","sentiment_score":-0.18910773620009422},{"text":"Yeah.","start":897.835,"end":898.335,"sentiment":"neutral","sentiment_score":0.07328666001558304}],"sentiment":"neutral","sentiment_score":-0.18062884162645787,"num_words":64,"start":866.905,"end":898.335},{"sentences":[{"text":"Look.","start":921.015,"end":921.255,"sentiment":"neutral","sentiment_score":-0.04160377383232117},{"text":"I I'll be honest.","start":921.255,"end":922.055,"sentiment":"neutral","sentiment_score":-0.054079530760645866},{"text":"I haven't really checked it lately only because I've been no.","start":922.055,"end":926.055,"sentiment":"neutral","sentiment_score":-0.09273443574255164},{"text":"Just because I've been so busy.","start":926.055,"end":927.515,"sentiment":"neutral","sentiment_score":-0.05673705165584882},{"text":"But I did notice once I first, like, got you guys to start looking at, like, looking after it, I did notice a big increase, and I was like, oh, I'm happy with that.","start":927.815,"end":936.83,"sentiment":"neutral","sentiment_score":0.3311864168328397}],"sentiment":"neutral","sentiment_score":0.17217705664890154,"num_words":56,"start":921.015,"end":936.83},{"sentences":[{"text":"So none.","start":942.72,"end":943.63,"sentiment":"neutral","sentiment_score":-0.08918657898902893},{"text":"At my current age, I'm okay with the higher risk.","start":985.04504,"end":987.93,"sentiment":"neutral","sentiment_score":-0.19954833313822745},{"text":"If it was you know, I don't know.","start":989.85,"end":991.52997,"sentiment":"neutral","sentiment_score":-0.21850398182868958},{"text":"If for some reason I got sick or something and had to pull my super out, then I definitely would probably think about going that mediocre.","start":991.52997,"end":999.63,"sentiment":"negative","sentiment_score":-0.3809369791012544},{"text":"No.","start":1067.005,"end":1067.245,"sentiment":"neutral","sentiment_score":0.02771355956792831}],"sentiment":"neutral","sentiment_score":-0.2935858774692454,"num_words":47,"start":942.72,"end":1067.245},{"sentences":[{"text":"That sounds great.","start":1067.245,"end":1068.305,"sentiment":"neutral","sentiment_score":0.2549642374118169},{"text":"Not really.","start":1083.98,"end":1084.7999,"sentiment":"neutral","sentiment_score":-0.16130179166793823},{"text":"Nothing's really changed.","start":1085.8999,"end":1087.0399,"sentiment":"neutral","sentiment_score":-0.14946220318476358},{"text":"Yeah.","start":1087.58,"end":1087.8999,"sentiment":"neutral","sentiment_score":-0.06481511145830154},{"text":"No.","start":1087.8999,"end":1088.14,"sentiment":"neutral","sentiment_score":-0.1161082088947296}],"sentiment":"neutral","sentiment_score":-0.018702080100774766,"num_words":10,"start":1067.245,"end":1088.14},{"sentences":[{"text":"I just go to work, go home, look after my child.","start":1088.14,"end":1092.0549,"sentiment":"neutral","sentiment_score":-0.09575622596523979},{"text":"If anything, he spends all my money on toys.","start":1092.275,"end":1094.5349,"sentiment":"neutral","sentiment_score":-0.10220741066667768},{"text":"Yep.","start":1098.115,"end":1098.615,"sentiment":"neutral","sentiment_score":0.0055153993889689445},{"text":"Off the top of my head.","start":1114.84,"end":1115.8,"sentiment":"neutral","sentiment_score":-0.018178450719763834},{"text":"Yep.","start":1115.8,"end":1116.3,"sentiment":"neutral","sentiment_score":0.023060113191604618}],"sentiment":"neutral","sentiment_score":-0.07334572761984808,"num_words":28,"start":1088.14,"end":1116.3},{"sentences":[{"text":"No.","start":1124.8151,"end":1125.135,"sentiment":"neutral","sentiment_score":-0.0802861899137497},{"text":"I'll keep that about the same.","start":1125.135,"end":1126.515,"sentiment":"neutral","sentiment_score":-0.07379468530416489},{"text":"It's yeah.","start":1133.18,"end":1134.14,"sentiment":"neutral","sentiment_score":-0.012893746374174953},{"text":"Roughly, it's about 30 now, but yeah.","start":1134.14,"end":1136.7301,"sentiment":"neutral","sentiment_score":-0.022405922945056642},{"text":"No.","start":1148.555,"end":1148.635,"sentiment":"neutral","sentiment_score":-0.14450156688690186}],"sentiment":"neutral","sentiment_score":-0.05001087188172866,"num_words":17,"start":1124.8151,"end":1148.635},{"sentences":[{"text":"I spent that.","start":1148.635,"end":1149.275,"sentiment":"neutral","sentiment_score":-0.10963492095470428},{"text":"I went on that holiday.","start":1149.275,"end":1150.3351,"sentiment":"neutral","sentiment_score":-0.049608982354402545},{"text":"Bali.","start":1153.515,"end":1154.015,"sentiment":"neutral","sentiment_score":0.05798507481813431},{"text":"It was.","start":1157.88,"end":1160.12,"sentiment":"neutral","sentiment_score":0.2158130407333374},{"text":"It yeah.","start":1160.12,"end":1160.76,"sentiment":"neutral","sentiment_score":0.17079906910657883}],"sentiment":"neutral","sentiment_score":0.019558432297064707,"num_words":13,"start":1148.635,"end":1160.76},{"sentences":[{"text":"It was.","start":1160.76,"end":1161.16,"sentiment":"neutral","sentiment_score":0.24293168634176254},{"text":"It was lovely.","start":1161.16,"end":1161.8,"sentiment":"positive","sentiment_score":0.39612869421641034},{"text":"And then I came back home and then, like, the depression of being home again was like, ah, back to reality.","start":1161.8,"end":1169.42,"sentiment":"neutral","sentiment_score":-0.017038011213853246},{"text":"No.","start":1191.3501,"end":1191.5901,"sentiment":"neutral","sentiment_score":-0.1684755980968475},{"text":"I'm happy with what everything with that.","start":1191.5901,"end":1193.75,"sentiment":"neutral","sentiment_score":-0.06754968062575374}],"sentiment":"neutral","sentiment_score":0.019856701687197473,"num_words":34,"start":1160.76,"end":1193.75},{"sentences":[{"text":"Yeah.","start":1193.75,"end":1194.2301,"sentiment":"neutral","sentiment_score":0.03987663984298706},{"text":"Yeah.","start":1194.2301,"end":1194.7301,"sentiment":"neutral","sentiment_score":0.058069221675395966},{"text":"I still I did I did get a reminder the other day that I need to do a will.","start":1194.79,"end":1198.9701,"sentiment":"neutral","sentiment_score":-0.012787412999099806},{"text":"I will get to that eventually.","start":1200.55,"end":1202.3301,"sentiment":"neutral","sentiment_score":0.030776458481947582},{"text":"Yep.","start":1214.9651,"end":1215.4651,"sentiment":"neutral","sentiment_score":0.10762985050678252}],"sentiment":"neutral","sentiment_score":0.0052597719976412395,"num_words":28,"start":1193.75,"end":1215.4651},{"sentences":[{"text":"Yeah.","start":1254.07,"end":1254.3099,"sentiment":"neutral","sentiment_score":0.10503357648849489},{"text":"That's fine.","start":1254.3099,"end":1255.13,"sentiment":"neutral","sentiment_score":0.23971235007047653},{"text":"No.","start":1260.71,"end":1261.03,"sentiment":"neutral","sentiment_score":-0.08664453029632568},{"text":"I think that's summed it up pretty much.","start":1261.03,"end":1263.245,"sentiment":"neutral","sentiment_score":0.09014325006864965},{"text":"Yeah.","start":1263.245,"end":1263.745,"sentiment":"neutral","sentiment_score":0.2801494300365448}],"sentiment":"neutral","sentiment_score":0.11531609053222033,"num_words":13,"start":1254.07,"end":1263.745},{"sentences":[{"text":"No worries.","start":1283.4669,"end":1284.1069,"sentiment":"positive","sentiment_score":0.36239370703697205},{"text":"Thank you so much for your time.","start":1284.1069,"end":1285.5669,"sentiment":"positive","sentiment_score":0.8166795713560921},{"text":"You too.","start":1288.3469,"end":1289.007,"sentiment":"positive","sentiment_score":0.5619973838329315},{"text":"Bye.","start":1289.3069,"end":1289.8069,"sentiment":"positive","sentiment_score":0.37132567167282104}],"sentiment":"positive","sentiment_score":0.6614054044087728,"num_words":12,"start":1283.4669,"end":1289.8069}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Yvonne. This is Dana from Okty Financial. How are you this morning?\n\nChannel 1: Not too bad. I actually totally forgot you guys are calling.\n\nChannel 0: That's absolutely okay. I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in. Is now still a good time at all for you? Or\n\nChannel 1: Yeah. Yeah. Yeah. It's all good. I\n\nChannel 0: yep.\n\nChannel 1: yeah. I was just about to go in a big w, but it's all good.\n\nChannel 0: No. No. That's okay.\n\nChannel 1: So I was looking at more or less in the mining sector to do some shares in.\n\nChannel 0: Yes. Yeah. Yeah. Absolutely. Not a problem at all.\n\nI can definitely have a really good chat to you about it this morning. Just before I do, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Fantastic. And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yvonne Castellano. 24th Of The 7th 91 In 14\n\nChannel 0: Yep.\n\nChannel 1: Mahogany Avenue, Musgrove.\n\nChannel 0: Beautiful. Thank you so much for that. So having a bit of look at things, you may have mentioned in your annual review, you're looking at maybe having a bit more exposure into the mining area as such or that sort of area. Are you wanting to sort of look at anything particular, or are you sort of looking at maybe a little bit of direct exposure utilizing some other investment options like ETFs or managed funds that might give you diversified exposure to lots of different companies in that area, or are you sort of just looking for exposure into one or two different stocks? What's your sort of thoughts around what you'd be after?\n\nChannel 1: Well, I'm not not too sure, but definitely,\n\nChannel 0: Mhmm.\n\nChannel 1: I work in mining. So I'm\n\nChannel 0: Yeah.\n\nChannel 1: in the coal sector.\n\nChannel 0: Yep.\n\nChannel 1: So either BHP or, say, CICE.\n\nChannel 0: Mhmm.\n\nChannel 1: Things like that. But I also know the tech world is booming at the moment, so I wouldn't mind getting into that one as well.\n\nChannel 0: Yeah. Absolutely. So just to have a little bit of what you do have there at the moment, in your super fund, I'm just having a quick look here for you. So within your fund at the moment, you do have a bit of exposure into the tech world. So you do have the battery and lithium tech sort of investments within ACDC there, and that is giving you access to the tech sector as well as battery and lithium tech.\n\nYou've also got some physical gold in there as well with the Global X Physical Gold ETF.\n\nChannel 1: That's what I\n\nChannel 0: And\n\nChannel 1: what\n\nChannel 0: then\n\nChannel 1: was\n\nChannel 0: you've\n\nChannel 1: my\n\nChannel 0: all\n\nChannel 1: other one as well?\n\nChannel 0: yeah. So some physical gold.\n\nChannel 1: Yeah. Is it billion or whatever it's called? Billion?\n\nChannel 0: Yeah. So, essentially, in order to hold gold in your super fund, by holding gold bullion, you'd be yeah. You can buy that separately, but the Global X Physical Gold gives you exposure to essentially that in an ETF. So you do have exposure to that. In your sleepers, and at the moment, you are weighted about 7.5% there.\n\nSo that's a good stock to have. It has been performing nicely. It's showing an increase in your portfolio. I\n\nChannel 1: Yep.\n\nChannel 0: wouldn't wanna increase that anymore. One of the big things we do wanna look at is diversification, and gold is a great asset to have. It is a growth investment and has seen really good growth there. But you've also gotta just remember, gold does have drops. And if you sort of think back to early this year, we did see in February a very large drop with gold in one day.\n\nIt dropped about sort of 18% essentially in one day. So gold will see very large increases also can be open to very large dips, which can affect your portfolio. And gold isn't an income producer. What we also wanna see out of your investments is income production. So dividends that are paid back for the compounding, those dividends get paid out of your investment portfolio to your cash account, and we can use that money to reinvest into your portfolio for long term growth.\n\nPhysical gold doesn't necessarily have that aspect there. But you do have 7.5% in physical gold, which is good to see. You've got some battery and lithium tech in there as well, so you do have access to the tech sector. If you like, what I could do is I could go back and have a bit of a look at the other areas, look at how your portfolio is performing, maybe look at swapping out a couple of investments that might be underperforming and maybe having a look at some of these other exchange traded funds or managed funds that give you a bit more exposure into the mining area. Is that what you'd like me to sort of do?\n\nIs that sort of what you're after?\n\nChannel 1: Yeah. That'd be that'd be really good. Because I was also\n\nChannel 0: Yeah.\n\nChannel 1: looking I don't I don't know it was just a thought, and I don't know how it's\n\nChannel 0: Mhmm.\n\nChannel 1: going, but a diamond\n\nChannel 0: Okay.\n\nChannel 1: only because they are becoming very rare.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: I'll\n\nChannel 1: I don't\n\nChannel 0: see\n\nChannel 1: know\n\nChannel 0: if\n\nChannel 1: how\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: can find yeah.\n\nChannel 1: yeah.\n\nChannel 0: You're right.\n\nChannel 1: I don't, yeah, I don't know how it would go, but I just had a I thought I thought about gold, and I thought, what about diamonds? Only because, you know, they had the our gold diamond mine go down, and then I'm like, well, like, you know, you go to the jewelers and Diamonds are just really expensive. And so if I was to get, like, an investment in that somehow, I thought that'd be good. I could be\n\nChannel 0: Yeah.\n\nChannel 1: wrong,\n\nChannel 0: That's\n\nChannel 1: but\n\nChannel 0: okay. No. That's absolutely fine. I'll see if there's anything that we can do in relation to that. It would probably have to be through some sort of managed fund with some sort of indirect exposure or into a an exposure into a company that mines for maybe the diamonds.\n\nChannel 1: Yes.\n\nChannel 0: But I can have a look at what the the options are out there for investments, see how they work. We'll look at those with your portfolio, with your level of risk exposure, and sort of see how that marries out. And if you like, I can come back with an advice document that outlines what we're recommending with your portfolio, what changes we're gonna make, how that looks, what exposure you have, and then you could decide whether you're happy to take that on. Does that sound okay?\n\nChannel 1: Yep. That's fine. I\n\nChannel 0: Yep.\n\nChannel 1: was just\n\nChannel 0: Beautiful.\n\nChannel 1: wondering how much is my\n\nChannel 0: Sure.\n\nChannel 1: superseding at?\n\nChannel 0: At the moment, sir, your balance as of today's date was sitting at a 147,050\n\nChannel 1: Yeah. Okay.\n\nChannel 0: 4. Yeah. I'm just having a quick look back at your last annual review to see what your balance was then and just pulling up a portfolio report for you as well. So you had an annual review in January by the looks of things. So balance at annual review time in January was sitting at a $141,001.36.\n\nAnd if we\n\nChannel 1: Yep.\n\nChannel 0: have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like. Sorry. My computer's a little bit slow this morning.\n\nChannel 1: I think it's a cold, to be honest.\n\nChannel 0: I don't blame it. It took me a little bit to get organized this morning too. So performance in the last 12, net of fees, is showing up 11.51%. So your portfolio has performed really well. You are in that growth growth area, so that's generally where you see about 80% of your super invested in the growth assets, like, say, commodities, like physical gold and silver.\n\nYou've also got Australian shares, international shares, and listed property as well. That's where you see most of your growth from out of your portfolio. And then still having some low risk defensive investments like cash bonds and fixed interest and about 20% invested in that area. With the growth sort of environment, we are looking or chasing returns on a yearly basis of about sort of seven to 9%. So to get an 11.51% net of fees there, it has shown your portfolio has definitely overperformed for the year, which is really good.\n\nWith the investments underlining, you do have a managed fund called Bennelong in there because we are looking to go back and maybe look at adding some additional exposure into those mining areas. I would like to maybe reevaluate this investment itself. Bennelong was meant to be more of an actively managed invest in your portfolio. But whilst your portfolio has done really well, this one investment has been underperforming a little bit. So I would like to maybe look at moving that out if you're open to me doing that.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah. Beautiful. With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured. So with having Ben along in your portfolio, it was meant to be more of an actively managed investment. And the idea of having an active manager in your portfolio is that they're trying to buy and sell and pick into the market and outperform against the market.\n\nVan Along hasn't been able to do that, and that's why we wanna move them out of there. Are you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures? What would you prefer?\n\nChannel 1: Like anybody does. We want them to make money. Yeah.\n\nChannel 0: Yep. Yep. So good performance and maybe low cost if we can reduce the fees a little bit? Yep. Perfect.\n\nI'll have a look at some low cost investment options there for you. Look at replacing the one fund that's\n\nChannel 1: Yeah.\n\nChannel 0: been underperforming and look at increasing exposure into some of those mining areas and see if we can, you know, increase exposure a bit for you. Just wanted to double check that that growth portfolio still does suit your goals as well. You'll given you're so young, you've got a lot of time ahead of you. You're not accessing Super in the next sort of two to three or five years at all. But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible.\n\nIs that right?\n\nChannel 1: Yeah. Well, at least 55.\n\nChannel 0: Yep. So at the moment, the earliest you're gonna be able to access your super is age 60 so long as you fully retire. If you're wanting\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60. Are you wanting to look at those sorts of areas, or is super kind of what you'll be\n\nChannel 1: No. Well, I was looking at an investment\n\nChannel 0: banking\n\nChannel 1: property,\n\nChannel 0: on? Okay.\n\nChannel 1: but I'm in no financial position to do it yet.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. So I'm\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: That's\n\nChannel 1: more\n\nChannel 0: alright.\n\nChannel 1: or less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and\n\nChannel 0: Yep.\n\nChannel 1: then move into that house and then rent out the one I'm in now.\n\nChannel 0: Right. Okay.\n\nChannel 1: Yeah. I know it's backwards, but I don't really wanna build a brand new house and have somebody else move in. Does that make sense?\n\nChannel 0: No. That's absolutely fine. And, look, honestly, it's a it's an individual decision. Not everyone wants to. Have you sort of had a look at what came out with regard to the new budget recently with what the\n\nChannel 1: No.\n\nChannel 0: changes might look like for investors?\n\nChannel 1: No. I haven't. I did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything.\n\nChannel 0: Yeah. What I would probably suggest is when you are looking to maybe do that, come and have a chat to us. We're definitely here to sort of help and have a look at how that might affect you and what options might be available to you This with the new changes, and there's nothing in place as of yet. It's all still gotta go through parliament, so there could be definitely changes to it. But at the moment, in order for you as an investor to be able to access negative gearing moving forward.\n\nThe changes they wanna make is that you'll need to buy a new property. Otherwise, you won't be able to claim the loss on an existing rental property. It'll have to be carried forward until you sell that and subtract it from the gain. So there are some changes coming to the negative gearing side of things. But as you kinda said, you're not really in a position to be able to do that as of yet.\n\nSo when and if the time comes that you are wanting to look at the investing company or you have a chat to us, we can talk about what the options are, give you some general advice around, you know, what that looks like, and definitely have a chat to your accountants as well to see how, you know, the changes might affect your overall tax position. Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income. So, there\n\nChannel 1: Yep.\n\nChannel 0: are some changes that the government's putting out there at the moment that could affect you both positively and or negatively depending on what you're after, what your goals are, and what you're hoping to do. But feel free to come and have a chat to us then as well, Yvonne. Okay?\n\nChannel 1: Yep. Will do.\n\nChannel 0: Excellent. So with your goal, I did the moment. I'll just work on sixty as it's the first earliest point you're able to access your super just while we're focusing on super there for you. Are you okay with that?\n\nChannel 1: Yep. That's fine. I I mean, I've I've still got a few years off yet. So\n\nChannel 0: You have plenty of time. Absolutely. The one of the things I do like to sort of look at when we're looking at risk and the way you're invested within your super there is sort of what happens in the event of a negative downturn because we do know that markets go up and down even this year alone. With what we've been seeing globally, we have seen a lot of volatility. The markets have been quite up and down over the past few months there.\n\nIf you saw your super full, say, by 20% over the next one to two or three years, do you think you'd be concerned about that? Would you be maybe talking to us, or are you more thinking it's a positive, it's a buying opportunity, trying to put more money into the market? How do you think you might react?\n\nChannel 1: When you mean market, do you mean, like, housing market?\n\nChannel 0: No. No. So if you saw your super balance fall by 20% due to the share market taking a bit of a dip, how do you think that might make you feel?\n\nChannel 1: I'll be a bit worried, but, I mean, I guess it's the risk you take because I'm at fire risk, aren't I?\n\nChannel 0: You are when you sort of look at the risk level between, say, one to five, you're sitting at sort of in between a three to four. So you're not at the highest, but you're not at the lowest. You're kind of mid range. It does suit someone of your age and stage, but it is about making sure that you you know, because markets will go up and down. It is absolutely normal.\n\nIt does happen. We just need to make sure that you can sit through those cycles, that you're not gonna be able to take money out or not wanting to move money or sell investments at a downtime. So, realistically\n\nChannel 1: Yeah. No. I don't wanna do that.\n\nChannel 0: yeah.\n\nChannel 1: If\n\nChannel 0: That's\n\nChannel 1: if\n\nChannel 0: okay.\n\nChannel 1: if like, if I was to do, like, say, the investment side with the houses and whatever, and even with the super, I probably wouldn't touch anything more within a downturn, to be quite honest.\n\nChannel 0: Yep.\n\nChannel 1: Like, I don't\n\nChannel 0: Yep.\n\nChannel 1: I don't see the point in that because it takes years to try and get that\n\nChannel 0: Absolutely. So no matter what happens to it, you're happy to sort of sit through the downtime,\n\nChannel 1: back.\n\nChannel 0: maybe keep working a little bit longer or change your goals to allow that market to come back out and recover.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Perfect. Excellent. The last one here is, obviously, you are looking at buying an investment property down the track there.\n\nSo I'll mark off here that it's something that you do have as a bit of a goal. When you think about your super, have you ever seen the value of your super falling value? Is it something you've looked at your super and seen it's gone backwards a little bit?\n\nChannel 1: Look. I I'll be honest. I haven't really checked it lately\n\nChannel 0: You don't\n\nChannel 1: only\n\nChannel 0: look at\n\nChannel 1: because\n\nChannel 0: it very\n\nChannel 1: I've\n\nChannel 0: often?\n\nChannel 1: been no. Just because I've been so busy.\n\nChannel 0: Yeah.\n\nChannel 1: But I did notice once I first, like, got you guys to start looking at, like, looking after it, I did notice a big increase, and I was like, oh, I'm happy with that.\n\nChannel 0: Yeah. Yeah. Perfect. That's okay. So you haven't really seen it sort of have a pullback at any point in time,\n\nChannel 1: So\n\nChannel 0: but you\n\nChannel 1: none.\n\nChannel 0: know it could definitely happen. That's alright. The last question I wanted to kind of ask is when you think about your super, we wanna obviously make sure that you're getting the returns you're after. But to take to get higher returns, you are required to take on a little bit more risk. So when you think about taking on more risk, are you comfortable taking more risk in the market to try and get the better returns knowing you're accepting the do you feel like you'd be wanting to take a little bit less risk in the market, reduce the returns a little bit to, you know, protect the downside a little bit.\n\nHow do you sort of feel?\n\nChannel 1: At my current age, I'm okay with the higher risk.\n\nChannel 0: Yep.\n\nChannel 1: If it was you know, I don't know. If for some reason I got sick or something and had to pull my super out, then I definitely would probably think about going that mediocre.\n\nChannel 0: Yeah. Yeah. That's okay. Absolutely fine. Not a problem at all.\n\nBeautiful. Now having a look at that, you have scored there as a growth investor. As I kinda went through, you are in that growth environment there. That's an eighty twenty split in growth and defensive investments. This sort of a portfolio does suit someone who has at least six years before they're wanting to access that super.\n\nAnd when you kind of look at it out of, let's say, a range of five, five being the highest amount of risk, one being the lowest amount, you're kind of in that mid range between sort of a three and a four. So you're not all in. You still have a good diverse diversified range of investments, and your portfolio has outperformed what we would sort of expect from this portfolio for the last twelve months. So it is definitely really good, and I'd be comfortable keeping you in that for a bit longer. So if you're comfortable, I'll look at just adjusting your portfolio and just incorporating those extra areas that you're interested in if we can, trying to make sure we're reducing fees where possible and also making sure that the, you know, the portfolio has performed well in the past.\n\nDoes that sound okay? Is that what you're after? Have I missed anything at all?\n\nChannel 1: No. That sounds great.\n\nChannel 0: Yep. Beautiful. Fantastic. Just wanna double check any other details. Since we kinda spoke in January, has there been any major changes to the any other part of your life?\n\nHave you had an increase in wages or anything?\n\nChannel 1: Not really. Nothing's really changed. Yeah. No. I just go to work, go home, look after my child.\n\nIf anything, he spends all my money on toys.\n\nChannel 0: Oh, wow. And he's five. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. No. Perfect. All good. And assets wise, you still got your main primary residence.\n\nI've got car and savings. With the main primary residence, loan value sitting at about 450,000. Is that still about the same, do you think?\n\nChannel 1: Off the top of my head. Yep.\n\nChannel 0: Yeah. That's okay. Car asset value about 35,000, loan owing about $22.05. Would you alter that or keep it about the same?\n\nChannel 1: No. I'll keep that about the same.\n\nChannel 0: Yep. That's absolutely fine. Savings, you had about 33,000 in savings. Do you still have that?\n\nChannel 1: It's yeah. Roughly, it's about 30\n\nChannel 0: Roughly?\n\nChannel 1: now, but yeah.\n\nChannel 0: Yep. That's absolutely okay. I'll just decrease it slightly there. And I also had a holiday fund with about 3,000 sitting in that. Have you managed to pop a bit more away?\n\nI know it has been hard with the cost of living.\n\nChannel 1: No. I spent that. I went on that holiday.\n\nChannel 0: Oh, fantastic. Where did you go to?\n\nChannel 1: Bali.\n\nChannel 0: Oh, wow. I hope you had an amazing time. Hopefully,\n\nChannel 1: It\n\nChannel 0: it's nice and warm.\n\nChannel 1: was. It yeah. It was. It was lovely. And then I came back home and then, like, the depression of being home again was like,\n\nChannel 0: Yeah.\n\nChannel 1: ah,\n\nChannel 0: Absolutely.\n\nChannel 1: back to reality.\n\nChannel 0: Getting back into it. Absolutely. No. All good. Well, I'll update that there for you.\n\nThe other thing to sort of consider is your insurances are paid out of your super funds. So are you wanting me just to focus on the investment side of things for now? Are you happy with the insurance levels that you do have? Did you wanna alter or look at those in any way, shape, or form?\n\nChannel 1: No. I'm happy with what\n\nChannel 0: Happy\n\nChannel 1: everything\n\nChannel 0: with\n\nChannel 1: with\n\nChannel 0: those?\n\nChannel 1: that. Yeah. Yeah.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: I still\n\nChannel 0: So\n\nChannel 1: I did I\n\nChannel 0: yeah.\n\nChannel 1: did\n\nChannel 0: Alright.\n\nChannel 1: get a\n\nChannel 0: Sorry.\n\nChannel 1: reminder the other day that I need to do a will.\n\nChannel 0: Yes.\n\nChannel 1: I will get to that eventually.\n\nChannel 0: Yeah. That's okay. Are you happy with me just limited scoping this advice piece just solely to the investment side of things for you, scoping out everything else for now? We can always come back and look at anything else additional.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. What I will do, as I will have a limited scope just for the insurances just to say that they are retained because they are paid out of super. It does have a long term effect in the projection side of things, but I'll show you all of that as part of the advice document. But I'll scope everything else that make it a very limited advice piece.\n\nIt does take a couple of weeks to do the research on this. So if it's okay, my team will go back. We'll have a good look at the different investment options out there. They'll do all the research around what they look like, what's available in your super fund, the cost of everything, and then we'll come back with an advice document and let you see exactly what that looks like. Does that sound okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. Do you have any other questions, or have I missed anything? Or\n\nChannel 1: No. I think\n\nChannel 0: no?\n\nChannel 1: that's summed it up pretty much. Yeah.\n\nChannel 0: Fantastic. All good. Well, thank you so much for your time. I will let you go. Enjoy shopping a big w.\n\nDon't spend too much. And I will I'll go back and do the research there for you, Yvonne. If there's anything else that we do need, we'll come back and let you know. Otherwise, we should be right to touch base in a few weeks and go through the advice document with you. Okay?\n\nChannel 1: No worries. Thank you so much for your time.\n\nChannel 0: Oh, not a problem. Enjoy your day. Thank you so much.\n\nChannel 1: You too. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.03672318533062935}],"sentiment":"neutral","sentiment_score":0.03672318533062935,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Hi, Yvonne.","start":1.52,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.14783526211977005},{"text":"This is Dana from Okty Financial.","start":2.1599998,"end":3.78,"sentiment":"neutral","sentiment_score":0.18389916916688284},{"text":"How are you this morning?","start":3.84,"end":5.06,"sentiment":"neutral","sentiment_score":0.26647945642471316}],"sentiment":"neutral","sentiment_score":0.21011252472033867,"channel":0,"num_words":13,"start":1.52,"end":5.06},{"sentences":[{"text":"Not too bad.","start":5.3599997,"end":6.08,"sentiment":"neutral","sentiment_score":0.21566883971293768},{"text":"I actually totally forgot you guys are calling.","start":6.08,"end":8.18,"sentiment":"neutral","sentiment_score":0.17395462188869715}],"sentiment":"neutral","sentiment_score":0.18533122674985367,"channel":1,"num_words":11,"start":5.3599997,"end":8.18},{"sentences":[{"text":"That's absolutely okay.","start":8.88,"end":10.4,"sentiment":"positive","sentiment_score":0.5967399080594381},{"text":"I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in.","start":10.4,"end":15.844999,"sentiment":"neutral","sentiment_score":0.23669116731200898},{"text":"Is now still a good time at all for you?","start":15.844999,"end":17.765,"sentiment":"neutral","sentiment_score":0.3120811641216278},{"text":"Or","start":17.765,"end":18.265,"sentiment":"neutral","sentiment_score":0.12570543587207794}],"sentiment":"neutral","sentiment_score":0.2777164163334029,"channel":0,"num_words":42,"start":8.88,"end":18.265},{"sentences":[{"text":"Yeah.","start":18.645,"end":18.885,"sentiment":"neutral","sentiment_score":0.12209950387477876},{"text":"Yeah.","start":18.885,"end":19.045,"sentiment":"neutral","sentiment_score":0.18005141615867615},{"text":"Yeah.","start":19.045,"end":19.125,"sentiment":"neutral","sentiment_score":0.2731730043888092},{"text":"It's all good.","start":19.125,"end":19.845,"sentiment":"positive","sentiment_score":0.5135258634885153},{"text":"I","start":19.845,"end":20.085,"sentiment":"neutral","sentiment_score":0.2579975426197052}],"sentiment":"positive","sentiment_score":0.33912843678678783,"channel":1,"num_words":7,"start":18.645,"end":20.085},{"sentences":[{"text":"yep.","start":20.564999,"end":21.064999,"sentiment":"neutral","sentiment_score":0.2034534513950348}],"sentiment":"neutral","sentiment_score":0.2034534513950348,"channel":0,"num_words":1,"start":20.564999,"end":21.064999},{"sentences":[{"text":"yeah.","start":21.365,"end":21.685,"sentiment":"neutral","sentiment_score":0.12721550464630127},{"text":"I was just about to go in a big w, but it's all good.","start":21.685,"end":24.105,"sentiment":"neutral","sentiment_score":0.12823987645762308}],"sentiment":"neutral","sentiment_score":0.12817158500353495,"channel":1,"num_words":15,"start":21.365,"end":24.105},{"sentences":[{"text":"No.","start":24.564999,"end":24.884998,"sentiment":"neutral","sentiment_score":-0.046337708830833435},{"text":"No.","start":24.884998,"end":25.044998,"sentiment":"neutral","sentiment_score":-0.04063853994011879},{"text":"That's okay.","start":25.044998,"end":25.865,"sentiment":"neutral","sentiment_score":0.0007780622690916053}],"sentiment":"neutral","sentiment_score":-0.021355031058192253,"channel":0,"num_words":4,"start":24.564999,"end":25.865},{"sentences":[{"text":"So I was looking at more or less in the mining sector to do some shares in.","start":27.61,"end":34.43,"sentiment":"neutral","sentiment_score":0.002616162576219615}],"sentiment":"neutral","sentiment_score":0.002616162576219615,"channel":1,"num_words":17,"start":27.61,"end":34.43},{"sentences":[{"text":"Yes.","start":34.5,"end":34.98,"sentiment":"neutral","sentiment_score":0.09294572472572328},{"text":"Yeah.","start":34.98,"end":35.3,"sentiment":"neutral","sentiment_score":0.11234865337610243},{"text":"Yeah.","start":35.3,"end":35.62,"sentiment":"neutral","sentiment_score":0.1679210364818573},{"text":"Absolutely.","start":35.62,"end":36.12,"sentiment":"neutral","sentiment_score":0.3206678032875061},{"text":"Not a problem at all.","start":36.42,"end":37.38,"sentiment":"positive","sentiment_score":0.4256019115447998}],"sentiment":"neutral","sentiment_score":0.3135436417327987,"channel":0,"num_words":9,"start":34.5,"end":37.38},{"sentences":[{"text":"I can definitely have a really good chat to you about it this morning.","start":37.38,"end":39.86,"sentiment":"positive","sentiment_score":0.6104143389633724},{"text":"Just before I do, I do need to let you know our calls are recorded for training and quality purposes.","start":39.86,"end":44.175003,"sentiment":"neutral","sentiment_score":0.1584157232195139},{"text":"Are you happy for me to proceed with that?","start":44.175003,"end":46.195,"sentiment":"neutral","sentiment_score":0.25918855766455334}],"sentiment":"neutral","sentiment_score":0.32667005183391795,"channel":0,"num_words":43,"start":37.38,"end":46.195},{"sentences":[{"text":"Yeah.","start":46.375,"end":46.695,"sentiment":"neutral","sentiment_score":0.11798346042633057},{"text":"Yeah.","start":46.695,"end":46.775,"sentiment":"neutral","sentiment_score":0.13349385559558868},{"text":"Yeah.","start":46.775,"end":46.935,"sentiment":"neutral","sentiment_score":0.15783384442329407},{"text":"Yep.","start":46.935,"end":47.435,"sentiment":"neutral","sentiment_score":0.26441240310668945}],"sentiment":"neutral","sentiment_score":0.1684308908879757,"channel":1,"num_words":4,"start":46.375,"end":47.435},{"sentences":[{"text":"Fantastic.","start":47.615,"end":48.115,"sentiment":"positive","sentiment_score":0.5079380869865417},{"text":"And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":48.255,"end":54.915,"sentiment":"neutral","sentiment_score":0.17046911176294088}],"sentiment":"neutral","sentiment_score":0.18069544434547424,"channel":0,"num_words":33,"start":47.615,"end":54.915},{"sentences":[{"text":"Yvonne Castellano.","start":55.670002,"end":56.65,"sentiment":"neutral","sentiment_score":0.036445505917072296},{"text":"24th Of The 7th 91 In 14","start":56.87,"end":59.35,"sentiment":"neutral","sentiment_score":0.029008031955787113}],"sentiment":"neutral","sentiment_score":0.03066080394718382,"channel":1,"num_words":9,"start":55.670002,"end":59.35},{"sentences":[{"text":"Yep.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.04615657776594162}],"sentiment":"neutral","sentiment_score":0.04615657776594162,"channel":0,"num_words":1,"start":59.25,"end":59.75},{"sentences":[{"text":"Mahogany Avenue, 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the our gold diamond mine go down, and then I'm like, well, like, you know, you go to the jewelers and Diamonds are just really expensive.","start":300.845,"end":309.1,"sentiment":"neutral","sentiment_score":-0.1322829492855817},{"text":"And so if I was to get, like, an investment in that somehow, I thought that'd be good.","start":309.1,"end":312.80002,"sentiment":"neutral","sentiment_score":-0.039534247066411704},{"text":"I could 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absolutely fine.","start":314.915,"end":315.875,"sentiment":"neutral","sentiment_score":0.10771965483824412},{"text":"I'll see if there's anything that we can do in relation to that.","start":315.875,"end":319.095,"sentiment":"neutral","sentiment_score":0.0663054883480072},{"text":"It would probably have to be through some sort of managed fund with some sort of indirect exposure or into a an exposure into a company that mines for maybe the diamonds.","start":319.55502,"end":328.77002,"sentiment":"neutral","sentiment_score":-0.034177944296970963}],"sentiment":"neutral","sentiment_score":0.0008064867556095124,"channel":0,"num_words":50,"start":313.875,"end":328.77002},{"sentences":[{"text":"Yes.","start":329.635,"end":330.135,"sentiment":"neutral","sentiment_score":0.13231858611106873}],"sentiment":"neutral","sentiment_score":0.13231858611106873,"channel":1,"num_words":1,"start":329.635,"end":330.135},{"sentences":[{"text":"But I can have a look at what the the options are out there for investments, see how they work.","start":329.71002,"end":335.25,"sentiment":"neutral","sentiment_score":0.15738410055637359},{"text":"We'll look at those with your portfolio, with your level of risk exposure, and sort of see how that marries out.","start":335.825,"end":342.64502,"sentiment":"neutral","sentiment_score":0.09969150921374205},{"text":"And if you like, I can come back with an advice document that outlines what we're recommending with your portfolio, what changes we're gonna make, how that looks, what exposure you have, and then you could decide whether you're happy to take that on.","start":343.02502,"end":353.78,"sentiment":"neutral","sentiment_score":0.15300470861521634},{"text":"Does that sound okay?","start":353.78,"end":354.91998,"sentiment":"neutral","sentiment_score":0.1452292688190937}],"sentiment":"neutral","sentiment_score":0.14105986470743762,"channel":0,"num_words":89,"start":329.71002,"end":354.91998},{"sentences":[{"text":"Yep.","start":355.315,"end":355.555,"sentiment":"neutral","sentiment_score":0.15542499721050262},{"text":"That's fine.","start":355.555,"end":356.295,"sentiment":"neutral","sentiment_score":0.29394662380218506},{"text":"I","start":356.435,"end":356.595,"sentiment":"neutral","sentiment_score":0.3036424219608307}],"sentiment":"neutral","sentiment_score":0.26174016669392586,"channel":1,"num_words":4,"start":355.315,"end":356.595},{"sentences":[{"text":"Yep.","start":356.58,"end":356.97998,"sentiment":"neutral","sentiment_score":0.28528934717178345}],"sentiment":"neutral","sentiment_score":0.28528934717178345,"channel":0,"num_words":1,"start":356.58,"end":356.97998},{"sentences":[{"text":"was just","start":356.595,"end":356.995,"sentiment":"positive","sentiment_score":0.34786027669906616}],"sentiment":"positive","sentiment_score":0.34786027669906616,"channel":1,"num_words":2,"start":356.595,"end":356.995},{"sentences":[{"text":"Beautiful.","start":356.97998,"end":357.47998,"sentiment":"positive","sentiment_score":0.4768655300140381}],"sentiment":"positive","sentiment_score":0.4768655300140381,"channel":0,"num_words":1,"start":356.97998,"end":357.47998},{"sentences":[{"text":"wondering how much is my","start":356.995,"end":358.435,"sentiment":"neutral","sentiment_score":0.06851102411746979}],"sentiment":"neutral","sentiment_score":0.06851102411746979,"channel":1,"num_words":5,"start":356.995,"end":358.435},{"sentences":[{"text":"Sure.","start":358.25998,"end":358.75998,"sentiment":"neutral","sentiment_score":0.04092051088809967}],"sentiment":"neutral","sentiment_score":0.04092051088809967,"channel":0,"num_words":1,"start":358.25998,"end":358.75998},{"sentences":[{"text":"superseding at?","start":358.435,"end":359.575,"sentiment":"neutral","sentiment_score":0.03263874817639589}],"sentiment":"neutral","sentiment_score":0.03263874817639589,"channel":1,"num_words":2,"start":358.435,"end":359.575},{"sentences":[{"text":"At the moment, sir, your balance as of today's date was sitting at a 147,050","start":360.41998,"end":366.375,"sentiment":"neutral","sentiment_score":0.06446600953737895}],"sentiment":"neutral","sentiment_score":0.06446600953737895,"channel":0,"num_words":15,"start":360.41998,"end":366.375},{"sentences":[{"text":"Yeah.","start":367.35,"end":367.59003,"sentiment":"neutral","sentiment_score":0.03863998129963875},{"text":"Okay.","start":367.59003,"end":368.09003,"sentiment":"neutral","sentiment_score":0.042431674897670746}],"sentiment":"neutral","sentiment_score":0.04053582809865475,"channel":1,"num_words":2,"start":367.35,"end":368.09003},{"sentences":[{"text":"4.","start":368.615,"end":368.935,"sentiment":"neutral","sentiment_score":0.041423141956329346},{"text":"Yeah.","start":368.935,"end":369.435,"sentiment":"neutral","sentiment_score":0.07619057595729828},{"text":"I'm just having a quick look back at your last annual review to see what your balance was then and just pulling up a portfolio report for you as well.","start":369.575,"end":376.875,"sentiment":"neutral","sentiment_score":0.12794785002867382},{"text":"So you had an annual review in January by the looks of things.","start":378.215,"end":385.02002,"sentiment":"neutral","sentiment_score":0.0912258753982874},{"text":"So balance at annual review time in January was sitting at a $141,001.36.","start":389.48,"end":396.755,"sentiment":"neutral","sentiment_score":0.0783168412744999}],"sentiment":"neutral","sentiment_score":0.10620869888827719,"channel":0,"num_words":58,"start":368.615,"end":396.755},{"sentences":[{"text":"And if we","start":396.89502,"end":397.375,"sentiment":"neutral","sentiment_score":0.04784356305996577}],"sentiment":"neutral","sentiment_score":0.04784356305996577,"channel":0,"num_words":3,"start":396.89502,"end":397.375},{"sentences":[{"text":"Yep.","start":397.23,"end":397.73,"sentiment":"neutral","sentiment_score":0.05982780456542969}],"sentiment":"neutral","sentiment_score":0.05982780456542969,"channel":1,"num_words":1,"start":397.23,"end":397.73},{"sentences":[{"text":"have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like.","start":397.375,"end":404.755,"sentiment":"neutral","sentiment_score":0.05901189583043257},{"text":"Sorry.","start":404.89502,"end":405.295,"sentiment":"neutral","sentiment_score":-0.06679690629243851},{"text":"My computer's a little bit slow this morning.","start":405.295,"end":407.39502,"sentiment":"neutral","sentiment_score":-0.25774463079869747}],"sentiment":"neutral","sentiment_score":-0.021589953113685955,"channel":0,"num_words":33,"start":397.375,"end":407.39502},{"sentences":[{"text":"I think it's a cold, to be honest.","start":408.805,"end":410.58502,"sentiment":"neutral","sentiment_score":-0.25590769946575165}],"sentiment":"neutral","sentiment_score":-0.25590769946575165,"channel":1,"num_words":8,"start":408.805,"end":410.58502},{"sentences":[{"text":"I don't blame it.","start":411.32,"end":412.24,"sentiment":"neutral","sentiment_score":-0.22385342419147491},{"text":"It took me a little bit to get organized this morning too.","start":412.24,"end":415.02002,"sentiment":"neutral","sentiment_score":-0.183321891973416},{"text":"So performance in the last 12, net of fees, is showing up 11.51%.","start":420.535,"end":425.975,"sentiment":"neutral","sentiment_score":0.11702036055234763},{"text":"So your portfolio has performed really well.","start":425.975,"end":428.635,"sentiment":"positive","sentiment_score":0.450275365795408},{"text":"You are in that growth growth area, so that's generally where you see about 80% of your super invested in the growth assets, like, say, commodities, like physical gold and silver.","start":429.095,"end":439.56998,"sentiment":"neutral","sentiment_score":0.1865257132918604}],"sentiment":"neutral","sentiment_score":0.1098539247664053,"channel":0,"num_words":67,"start":411.32,"end":439.56998},{"sentences":[{"text":"You've also got Australian shares, international shares, and listed property as well.","start":440.43,"end":444.975,"sentiment":"neutral","sentiment_score":0.148825291544199},{"text":"That's where you see most of your growth from out of your portfolio.","start":445.055,"end":447.875,"sentiment":"neutral","sentiment_score":0.2203586078607119},{"text":"And then still having some low risk defensive investments like cash bonds and fixed interest and about 20% invested in that area.","start":448.255,"end":454.995,"sentiment":"neutral","sentiment_score":0.1756733777848157},{"text":"With the growth sort of environment, we are looking or chasing returns on a yearly basis of about sort of seven to 9%.","start":455.295,"end":462.18,"sentiment":"neutral","sentiment_score":0.1914695540200109},{"text":"So to get an 11.51% net of fees there, it has shown your portfolio has definitely overperformed for the year, which is really good.","start":462.18,"end":469.96,"sentiment":"positive","sentiment_score":0.5849988982081413}],"sentiment":"neutral","sentiment_score":0.28679950012171523,"channel":0,"num_words":94,"start":440.43,"end":469.96},{"sentences":[{"text":"With the investments underlining, you do have a managed fund called Bennelong in there because we are looking to go back and maybe look at adding some additional exposure into those mining areas.","start":471.38,"end":481.555,"sentiment":"neutral","sentiment_score":0.19127864119681445},{"text":"I would like to maybe reevaluate this investment itself.","start":481.85498,"end":485.79498,"sentiment":"neutral","sentiment_score":0.08105159219768313},{"text":"Bennelong was meant to be more of an actively managed invest in your portfolio.","start":486.57498,"end":490.55002,"sentiment":"neutral","sentiment_score":0.04528263570474727},{"text":"But whilst your portfolio has done really well, this one investment has been underperforming a little bit.","start":490.61002,"end":495.73,"sentiment":"neutral","sentiment_score":-0.1923390983001274},{"text":"So I would like to maybe look at moving that out if you're open to me doing that.","start":495.73,"end":500.31,"sentiment":"neutral","sentiment_score":-0.054543431434366435}],"sentiment":"neutral","sentiment_score":0.03762714233208489,"channel":0,"num_words":91,"start":471.38,"end":500.31},{"sentences":[{"text":"Yep.","start":500.805,"end":501.125,"sentiment":"neutral","sentiment_score":0.1230238527059555},{"text":"That's fine.","start":501.125,"end":501.945,"sentiment":"neutral","sentiment_score":0.2315123975276947}],"sentiment":"neutral","sentiment_score":0.19534954925378165,"channel":1,"num_words":3,"start":500.805,"end":501.945},{"sentences":[{"text":"Yeah.","start":502.245,"end":502.64502,"sentiment":"positive","sentiment_score":0.3685051202774048},{"text":"Beautiful.","start":502.64502,"end":503.14502,"sentiment":"positive","sentiment_score":0.6197398900985718},{"text":"With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured.","start":504.005,"end":508.745,"sentiment":"neutral","sentiment_score":0.1454000487214043},{"text":"So with having Ben along in your portfolio, it was meant to be more of an actively managed investment.","start":508.805,"end":514.085,"sentiment":"neutral","sentiment_score":0.10445286902157884},{"text":"And the idea of having an active manager in your portfolio is that they're trying to buy and sell and pick into the market and outperform against the market.","start":514.085,"end":522.08,"sentiment":"neutral","sentiment_score":0.14430811770003418}],"sentiment":"neutral","sentiment_score":0.14381952053854163,"channel":0,"num_words":71,"start":502.245,"end":522.08},{"sentences":[{"text":"Van Along hasn't been able to do that, and that's why we wanna move them out of there.","start":522.08,"end":525.78,"sentiment":"neutral","sentiment_score":-0.11808840661413139},{"text":"Are you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures?","start":525.84,"end":537.13495,"sentiment":"neutral","sentiment_score":0.04687193430521909},{"text":"What would you prefer?","start":537.19495,"end":538.255,"sentiment":"neutral","sentiment_score":0.027537898160517216}],"sentiment":"neutral","sentiment_score":-0.0075320350006222725,"channel":0,"num_words":56,"start":522.08,"end":538.255},{"sentences":[{"text":"Like anybody does.","start":540.22003,"end":541.18,"sentiment":"neutral","sentiment_score":0.02240365867813428},{"text":"We want them to make money.","start":541.18,"end":542.48004,"sentiment":"neutral","sentiment_score":0.04309233774741491},{"text":"Yeah.","start":542.7,"end":543.2,"sentiment":"neutral","sentiment_score":0.0852070301771164}],"sentiment":"neutral","sentiment_score":0.04109720326960087,"channel":1,"num_words":10,"start":540.22003,"end":543.2},{"sentences":[{"text":"Yep.","start":543.29,"end":543.69,"sentiment":"neutral","sentiment_score":0.09286990016698836},{"text":"Yep.","start":543.69,"end":544.19,"sentiment":"neutral","sentiment_score":0.0967802107334137},{"text":"So good performance and maybe low cost if we can reduce the fees a little bit?","start":544.97,"end":549.14996,"sentiment":"neutral","sentiment_score":0.261973574757576},{"text":"Yep.","start":550.97,"end":551.47,"sentiment":"neutral","sentiment_score":0.13614116609096527},{"text":"Perfect.","start":552.73,"end":553.23,"sentiment":"positive","sentiment_score":0.37331950664520264}],"sentiment":"neutral","sentiment_score":0.24453439898788928,"channel":0,"num_words":20,"start":543.29,"end":553.23},{"sentences":[{"text":"I'll have a look at some low cost investment options there for you.","start":554.01,"end":557.215,"sentiment":"neutral","sentiment_score":0.20966223455392397},{"text":"Look at replacing the one fund that's","start":557.215,"end":558.815,"sentiment":"neutral","sentiment_score":0.014969849759446723}],"sentiment":"neutral","sentiment_score":0.14151989987585695,"channel":0,"num_words":20,"start":554.01,"end":558.815},{"sentences":[{"text":"Yeah.","start":558.765,"end":559.265,"sentiment":"neutral","sentiment_score":-0.031391292810440063}],"sentiment":"neutral","sentiment_score":-0.031391292810440063,"channel":1,"num_words":1,"start":558.765,"end":559.265},{"sentences":[{"text":"been underperforming and look at increasing exposure into some of those mining areas and see if we can, you know, increase exposure a bit for you.","start":558.815,"end":567.475,"sentiment":"neutral","sentiment_score":0.06031537872667496},{"text":"Just wanted to double check that that growth portfolio still does suit your goals as well.","start":568.495,"end":573.95996,"sentiment":"neutral","sentiment_score":0.25550994649529457},{"text":"You'll given you're so young, you've got a lot of time ahead of you.","start":574.57996,"end":577.13995,"sentiment":"neutral","sentiment_score":0.010835542742695128},{"text":"You're not accessing Super in the next sort of two to three or five years at all.","start":577.13995,"end":580.75995,"sentiment":"neutral","sentiment_score":-0.07889474972206004},{"text":"But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible.","start":580.81995,"end":587.615,"sentiment":"neutral","sentiment_score":-0.03153326945460361}],"sentiment":"neutral","sentiment_score":0.03897479840088636,"channel":0,"num_words":96,"start":558.815,"end":587.615},{"sentences":[{"text":"Is that right?","start":587.675,"end":588.495,"sentiment":"neutral","sentiment_score":-0.004957538718978564}],"sentiment":"neutral","sentiment_score":-0.004957538718978564,"channel":0,"num_words":3,"start":587.675,"end":588.495},{"sentences":[{"text":"Yeah.","start":590.085,"end":590.405,"sentiment":"neutral","sentiment_score":-0.00887291133403778},{"text":"Well, at least 55.","start":590.405,"end":592.11,"sentiment":"neutral","sentiment_score":-0.013790613505989313}],"sentiment":"neutral","sentiment_score":-0.012807073071599007,"channel":1,"num_words":5,"start":590.085,"end":592.11},{"sentences":[{"text":"Yep.","start":592.795,"end":593.115,"sentiment":"neutral","sentiment_score":0.02329094707965851},{"text":"So at the moment, the earliest you're gonna be able to access your super is age 60 so long as you fully retire.","start":593.115,"end":599.45496,"sentiment":"neutral","sentiment_score":0.00905638548505047},{"text":"If you're wanting","start":599.75,"end":600.47,"sentiment":"neutral","sentiment_score":-0.004157713303963344}],"sentiment":"neutral","sentiment_score":0.008115358271256642,"channel":0,"num_words":27,"start":592.795,"end":600.47},{"sentences":[{"text":"That's","start":600.26996,"end":600.58997,"sentiment":"neutral","sentiment_score":-0.015416673384606838}],"sentiment":"neutral","sentiment_score":-0.015416673384606838,"channel":1,"num_words":1,"start":600.26996,"end":600.58997},{"sentences":[{"text":"to","start":600.47,"end":600.70996,"sentiment":"neutral","sentiment_score":-0.009700778871774672}],"sentiment":"neutral","sentiment_score":-0.009700778871774672,"channel":0,"num_words":1,"start":600.47,"end":600.70996},{"sentences":[{"text":"fine.","start":600.58997,"end":601.08997,"sentiment":"neutral","sentiment_score":0.004037868231534958}],"sentiment":"neutral","sentiment_score":0.004037868231534958,"channel":1,"num_words":1,"start":600.58997,"end":601.08997},{"sentences":[{"text":"access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60.","start":600.70996,"end":612.14996,"sentiment":"neutral","sentiment_score":0.04695301324661289},{"text":"Are you wanting to look at those sorts of areas, or is super kind of what you'll be","start":612.14996,"end":616.32495,"sentiment":"neutral","sentiment_score":-0.14265267012847793}],"sentiment":"neutral","sentiment_score":-0.017441369786436827,"channel":0,"num_words":53,"start":600.70996,"end":616.32495},{"sentences":[{"text":"No.","start":617.54,"end":617.77997,"sentiment":"neutral","sentiment_score":-0.1796741634607315},{"text":"Well, I was looking at an 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less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and","start":630.955,"end":637.915,"sentiment":"negative","sentiment_score":-0.3726604593836743}],"sentiment":"negative","sentiment_score":-0.3726604593836743,"channel":1,"num_words":23,"start":630.955,"end":637.915},{"sentences":[{"text":"Yep.","start":637.83997,"end":638.33997,"sentiment":"neutral","sentiment_score":-0.1919707953929901}],"sentiment":"neutral","sentiment_score":-0.1919707953929901,"channel":0,"num_words":1,"start":637.83997,"end":638.33997},{"sentences":[{"text":"then move into that house and then rent out the one I'm in 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the","start":654.95,"end":661.35004,"sentiment":"neutral","sentiment_score":-0.08900921791791916}],"sentiment":"neutral","sentiment_score":-0.11645472579096493,"channel":0,"num_words":38,"start":648.735,"end":661.35004},{"sentences":[{"text":"No.","start":661.305,"end":661.805,"sentiment":"neutral","sentiment_score":-0.173526793718338}],"sentiment":"neutral","sentiment_score":-0.173526793718338,"channel":1,"num_words":1,"start":661.305,"end":661.805},{"sentences":[{"text":"changes might look like for investors?","start":661.35004,"end":663.21,"sentiment":"neutral","sentiment_score":-0.131898183375597}],"sentiment":"neutral","sentiment_score":-0.131898183375597,"channel":0,"num_words":6,"start":661.35004,"end":663.21},{"sentences":[{"text":"No.","start":663.945,"end":664.265,"sentiment":"neutral","sentiment_score":-0.2459016740322113},{"text":"I haven't.","start":664.265,"end":664.665,"sentiment":"neutral","sentiment_score":-0.27030761539936066},{"text":"I did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything.","start":664.665,"end":670.94,"sentiment":"negative","sentiment_score":-0.38391830162568524}],"sentiment":"negative","sentiment_score":-0.36930878162384034,"channel":1,"num_words":25,"start":663.945,"end":670.94},{"sentences":[{"text":"Yeah.","start":671.36505,"end":671.68506,"sentiment":"neutral","sentiment_score":-0.06407627463340759},{"text":"What I would probably suggest is when you are looking to maybe do that, come and have a chat to us.","start":671.68506,"end":677.205,"sentiment":"neutral","sentiment_score":0.01309471967674437},{"text":"We're definitely here to sort of help and have a look at how that might affect you and what options might be available to you This with the new changes, and there's nothing in place as of yet.","start":677.205,"end":686.7,"sentiment":"neutral","sentiment_score":0.01981959923317558},{"text":"It's all still gotta go through parliament, so there could be definitely changes to it.","start":686.7,"end":690.3,"sentiment":"neutral","sentiment_score":-0.15882085661093395},{"text":"But at the moment, in order for you as an investor to be able to access negative gearing moving forward.","start":690.3,"end":697.135,"sentiment":"neutral","sentiment_score":-0.23605551831424237}],"sentiment":"neutral","sentiment_score":-0.06462490111589432,"channel":0,"num_words":95,"start":671.36505,"end":697.135},{"sentences":[{"text":"The changes they wanna make is that you'll need to buy a new property.","start":697.135,"end":700.915,"sentiment":"neutral","sentiment_score":-0.2407854955111231},{"text":"Otherwise, you won't be able to claim the loss on an existing rental property.","start":701.615,"end":706.835,"sentiment":"negative","sentiment_score":-0.3406028811420713},{"text":"It'll have to be carried forward until you sell that and subtract it from the 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position.","start":717.99,"end":734.055,"sentiment":"neutral","sentiment_score":0.0685881811903039},{"text":"Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income.","start":734.755,"end":749.82996,"sentiment":"positive","sentiment_score":0.34823312163352965},{"text":"So, there","start":749.88995,"end":750.885,"sentiment":"neutral","sentiment_score":0.01888043526560068}],"sentiment":"neutral","sentiment_score":0.18525063102485753,"channel":0,"num_words":119,"start":717.99,"end":750.885},{"sentences":[{"text":"Yep.","start":750.825,"end":751.325,"sentiment":"neutral","sentiment_score":0.031706225126981735}],"sentiment":"neutral","sentiment_score":0.031706225126981735,"channel":1,"num_words":1,"start":750.825,"end":751.325},{"sentences":[{"text":"are some changes that the government's putting out there at the moment that could affect you both positively and or negatively depending on what you're after, what your goals are, and what you're hoping to do.","start":750.885,"end":759.945,"sentiment":"neutral","sentiment_score":-0.07200536266383198},{"text":"But feel free to come and have a chat to us then as well, Yvonne.","start":760.405,"end":763.125,"sentiment":"neutral","sentiment_score":0.08636440287033717},{"text":"Okay?","start":763.125,"end":763.625,"sentiment":"neutral","sentiment_score":0.06276268512010574}],"sentiment":"neutral","sentiment_score":-0.02373008322543823,"channel":0,"num_words":52,"start":750.885,"end":763.625},{"sentences":[{"text":"Yep.","start":764.02997,"end":764.51,"sentiment":"neutral","sentiment_score":0.09087996184825896},{"text":"Will 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busy.","start":926.055,"end":927.515,"sentiment":"neutral","sentiment_score":-0.05673705165584882}],"sentiment":"neutral","sentiment_score":-0.06347339041531086,"channel":1,"num_words":8,"start":925.175,"end":927.515},{"sentences":[{"text":"Yeah.","start":927.12,"end":927.62,"sentiment":"neutral","sentiment_score":0.001557137817144394}],"sentiment":"neutral","sentiment_score":0.001557137817144394,"channel":0,"num_words":1,"start":927.12,"end":927.62},{"sentences":[{"text":"But I did notice once I first, like, got you guys to start looking at, like, looking after it, I did notice a big increase, and I was like, oh, I'm happy with 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head.","start":1114.84,"end":1115.8,"sentiment":"neutral","sentiment_score":-0.018178450719763834},{"text":"Yep.","start":1115.8,"end":1116.3,"sentiment":"neutral","sentiment_score":0.023060113191604618}],"sentiment":"neutral","sentiment_score":-0.012287227303854056,"channel":1,"num_words":7,"start":1114.84,"end":1116.3},{"sentences":[{"text":"Yeah.","start":1116.715,"end":1117.0349,"sentiment":"neutral","sentiment_score":0.03098515048623085},{"text":"That's okay.","start":1117.0349,"end":1117.855,"sentiment":"neutral","sentiment_score":0.038384610787034035},{"text":"Car asset value about 35,000, loan owing about $22.05.","start":1118.1549,"end":1122.2001,"sentiment":"neutral","sentiment_score":0.0018311719306641156},{"text":"Would you alter that or keep it about the same?","start":1122.2001,"end":1124.4601,"sentiment":"neutral","sentiment_score":-0.008389717712998391}],"sentiment":"neutral","sentiment_score":0.0018335337411950934,"channel":0,"num_words":22,"start":1116.715,"end":1124.4601},{"sentences":[{"text":"No.","start":1124.8151,"end":1125.135,"sentiment":"neutral","sentiment_score":-0.0802861899137497},{"text":"I'll keep that about the same.","start":1125.135,"end":1126.515,"sentiment":"neutral","sentiment_score":-0.07379468530416489}],"sentiment":"neutral","sentiment_score":-0.07472204310553414,"channel":1,"num_words":7,"start":1124.8151,"end":1126.515},{"sentences":[{"text":"Yep.","start":1126.68,"end":1127.0,"sentiment":"neutral","sentiment_score":0.038663506507873535},{"text":"That's absolutely fine.","start":1127.0,"end":1128.28,"sentiment":"neutral","sentiment_score":0.10997712363799413},{"text":"Savings, you had about 33,000 in 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30","start":1134.14,"end":1135.3401,"sentiment":"neutral","sentiment_score":-0.03028255933895707}],"sentiment":"neutral","sentiment_score":-0.024486288350696366,"channel":1,"num_words":6,"start":1133.18,"end":1135.3401},{"sentences":[{"text":"Roughly?","start":1135.3351,"end":1135.8351,"sentiment":"neutral","sentiment_score":-0.02717527374625206}],"sentiment":"neutral","sentiment_score":-0.02717527374625206,"channel":0,"num_words":1,"start":1135.3351,"end":1135.8351},{"sentences":[{"text":"now, but yeah.","start":1135.3401,"end":1136.7301,"sentiment":"neutral","sentiment_score":-0.011903741086522738}],"sentiment":"neutral","sentiment_score":-0.011903741086522738,"channel":1,"num_words":3,"start":1135.3401,"end":1136.7301},{"sentences":[{"text":"Yep.","start":1136.4551,"end":1136.935,"sentiment":"neutral","sentiment_score":0.030085530132055283},{"text":"That's absolutely okay.","start":1136.935,"end":1138.055,"sentiment":"neutral","sentiment_score":0.10965764770905177},{"text":"I'll just decrease it slightly there.","start":1138.055,"end":1139.8151,"sentiment":"neutral","sentiment_score":0.030196613632142544},{"text":"And I also had a holiday fund with about 3,000 sitting in that.","start":1139.8151,"end":1143.3351,"sentiment":"neutral","sentiment_score":0.023125416599214077},{"text":"Have you managed to pop a bit more away?","start":1143.3351,"end":1145.495,"sentiment":"neutral","sentiment_score":-0.017255509686138894}],"sentiment":"neutral","sentiment_score":0.021424030739581212,"channel":0,"num_words":32,"start":1136.4551,"end":1145.495},{"sentences":[{"text":"I know it has been hard with the cost of living.","start":1145.495,"end":1147.675,"sentiment":"neutral","sentiment_score":-0.21143995360894638}],"sentiment":"neutral","sentiment_score":-0.21143995360894638,"channel":0,"num_words":11,"start":1145.495,"end":1147.675},{"sentences":[{"text":"No.","start":1148.555,"end":1148.635,"sentiment":"neutral","sentiment_score":-0.14450156688690186},{"text":"I spent 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reality.","start":1168.68,"end":1169.42,"sentiment":"neutral","sentiment_score":0.11383005231618881}],"sentiment":"neutral","sentiment_score":0.11383005231618881,"channel":1,"num_words":3,"start":1168.68,"end":1169.42},{"sentences":[{"text":"Getting back into it.","start":1168.9651,"end":1170.3451,"sentiment":"neutral","sentiment_score":0.09569553099572659},{"text":"Absolutely.","start":1170.885,"end":1171.385,"sentiment":"neutral","sentiment_score":0.17273510992527008},{"text":"No.","start":1172.405,"end":1172.805,"sentiment":"neutral","sentiment_score":0.07310646772384644},{"text":"All good.","start":1172.805,"end":1173.3651,"sentiment":"neutral","sentiment_score":0.23489288985729218},{"text":"Well, I'll update that there for you.","start":1173.3651,"end":1175.385,"sentiment":"neutral","sentiment_score":0.11227576966796603}],"sentiment":"neutral","sentiment_score":0.12562265793482463,"channel":0,"num_words":15,"start":1168.9651,"end":1175.385},{"sentences":[{"text":"The other thing to sort of consider is your insurances are paid out of your super funds.","start":1176.28,"end":1180.84,"sentiment":"neutral","sentiment_score":0.01782244345282807},{"text":"So are you wanting me just to focus on the investment side of things for now?","start":1180.84,"end":1184.52,"sentiment":"neutral","sentiment_score":0.029277701978571713},{"text":"Are you happy with the insurance levels that you do have?","start":1184.52,"end":1187.0801,"sentiment":"neutral","sentiment_score":-0.0005562776191668077},{"text":"Did you wanna alter or look at those in any way, shape, or form?","start":1187.0801,"end":1190.14,"sentiment":"neutral","sentiment_score":0.0021539671080453055}],"sentiment":"neutral","sentiment_score":0.013714849242362482,"channel":0,"num_words":58,"start":1176.28,"end":1190.14},{"sentences":[{"text":"No.","start":1191.3501,"end":1191.5901,"sentiment":"neutral","sentiment_score":-0.1684755980968475},{"text":"I'm happy with 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a","start":1196.4701,"end":1196.7101,"sentiment":"neutral","sentiment_score":0.013937428127974272}],"sentiment":"neutral","sentiment_score":0.013937428127974272,"channel":1,"num_words":2,"start":1196.4701,"end":1196.7101},{"sentences":[{"text":"Sorry.","start":1196.705,"end":1197.205,"sentiment":"neutral","sentiment_score":-0.05758506804704666}],"sentiment":"neutral","sentiment_score":-0.05758506804704666,"channel":0,"num_words":1,"start":1196.705,"end":1197.205},{"sentences":[{"text":"reminder the other day that I need to do a 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with me just limited scoping this advice piece just solely to the investment side of things for you, scoping out everything else for now?","start":1204.24,"end":1211.76,"sentiment":"neutral","sentiment_score":0.08406530113683806},{"text":"We can always come back and look at anything else additional.","start":1211.76,"end":1214.26,"sentiment":"neutral","sentiment_score":0.04438667134805159}],"sentiment":"neutral","sentiment_score":0.0751398491968469,"channel":0,"num_words":41,"start":1203.12,"end":1214.26},{"sentences":[{"text":"Yep.","start":1214.9651,"end":1215.4651,"sentiment":"neutral","sentiment_score":0.10762985050678252}],"sentiment":"neutral","sentiment_score":0.10762985050678252,"channel":1,"num_words":1,"start":1214.9651,"end":1215.4651},{"sentences":[{"text":"Yep.","start":1215.775,"end":1216.175,"sentiment":"neutral","sentiment_score":0.18668782711029053},{"text":"Beautiful.","start":1216.175,"end":1216.5751,"sentiment":"positive","sentiment_score":0.40830308198928833},{"text":"What I will do, as I will have a limited scope just for the insurances just to say that they are retained because they are paid out of super.","start":1216.5751,"end":1223.235,"sentiment":"neutral","sentiment_score":0.09173839821897704},{"text":"It does have a long term effect in the projection side of things, but I'll show you all of that as part of the advice document.","start":1223.535,"end":1230.515,"sentiment":"neutral","sentiment_score":0.0962915701361803},{"text":"But I'll scope everything else that make it a very limited advice piece.","start":1231.26,"end":1234.54,"sentiment":"neutral","sentiment_score":0.01346882490011362}],"sentiment":"neutral","sentiment_score":0.0847725714956011,"channel":0,"num_words":70,"start":1215.775,"end":1234.54},{"sentences":[{"text":"It does take a couple of weeks to do the research on this.","start":1234.54,"end":1237.26,"sentiment":"neutral","sentiment_score":0.02027028025342868},{"text":"So if it's okay, my team will go back.","start":1237.26,"end":1239.42,"sentiment":"neutral","sentiment_score":0.08504307477010621},{"text":"We'll have a good look at the different investment options out there.","start":1239.42,"end":1241.98,"sentiment":"neutral","sentiment_score":0.14423650099585453},{"text":"They'll do all the research around what they look like, what's available in your super fund, the cost of everything, and then we'll come back with an advice document and let you see exactly what that looks like.","start":1241.98,"end":1252.5651,"sentiment":"neutral","sentiment_score":0.15477829975517174},{"text":"Does that sound okay?","start":1252.5651,"end":1253.705,"sentiment":"neutral","sentiment_score":0.11815139092504978}],"sentiment":"neutral","sentiment_score":0.11992000371805932,"channel":0,"num_words":76,"start":1234.54,"end":1253.705},{"sentences":[{"text":"Yeah.","start":1254.07,"end":1254.3099,"sentiment":"neutral","sentiment_score":0.10503357648849489},{"text":"That's fine.","start":1254.3099,"end":1255.13,"sentiment":"neutral","sentiment_score":0.23971235007047653}],"sentiment":"neutral","sentiment_score":0.19481942554314932,"channel":1,"num_words":3,"start":1254.07,"end":1255.13},{"sentences":[{"text":"Fantastic.","start":1255.605,"end":1256.105,"sentiment":"positive","sentiment_score":0.5265427827835083},{"text":"Do you have any other questions, or have I missed anything?","start":1256.325,"end":1259.305,"sentiment":"neutral","sentiment_score":0.15795683623714882},{"text":"Or","start":1259.445,"end":1259.945,"sentiment":"neutral","sentiment_score":0.0016355924308300018}],"sentiment":"neutral","sentiment_score":0.174284890294075,"channel":0,"num_words":13,"start":1255.605,"end":1259.945},{"sentences":[{"text":"No.","start":1260.71,"end":1261.03,"sentiment":"neutral","sentiment_score":-0.08664453029632568},{"text":"I 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good.","start":1264.78,"end":1265.42,"sentiment":"positive","sentiment_score":0.38623227179050446},{"text":"Well, thank you so much for your time.","start":1265.42,"end":1266.9401,"sentiment":"positive","sentiment_score":0.5042074918746948},{"text":"I will let you go.","start":1266.9401,"end":1267.98,"sentiment":"positive","sentiment_score":0.3474170506000519},{"text":"Enjoy shopping a big w.","start":1267.98,"end":1269.42,"sentiment":"positive","sentiment_score":0.4045726597309113}],"sentiment":"positive","sentiment_score":0.4295111440476917,"channel":0,"num_words":21,"start":1263.8201,"end":1269.42},{"sentences":[{"text":"Don't spend too much.","start":1269.42,"end":1270.64,"sentiment":"neutral","sentiment_score":-0.05202051345258951},{"text":"And I will I'll go back and do the research there for you, Yvonne.","start":1271.98,"end":1275.2649,"sentiment":"neutral","sentiment_score":0.28663687727281023},{"text":"If there's anything else that we do need, we'll come back and let you know.","start":1275.2649,"end":1278.065,"sentiment":"neutral","sentiment_score":0.15181133399407068},{"text":"Otherwise, we should be right to touch base in a few weeks and go through the advice document with you.","start":1278.065,"end":1282.865,"sentiment":"neutral","sentiment_score":0.23800395391881465},{"text":"Okay?","start":1282.865,"end":1283.365,"sentiment":"neutral","sentiment_score":0.1619410514831543}],"sentiment":"neutral","sentiment_score":0.2037782290329536,"channel":0,"num_words":54,"start":1269.42,"end":1283.365},{"sentences":[{"text":"No worries.","start":1283.4669,"end":1284.1069,"sentiment":"positive","sentiment_score":0.36239370703697205},{"text":"Thank you so much for your time.","start":1284.1069,"end":1285.5669,"sentiment":"positive","sentiment_score":0.8166795713560921}],"sentiment":"positive","sentiment_score":0.7157271570629544,"channel":1,"num_words":9,"start":1283.4669,"end":1285.5669},{"sentences":[{"text":"Oh, not a problem.","start":1285.9669,"end":1286.767,"sentiment":"positive","sentiment_score":0.6271549761295319},{"text":"Enjoy your day.","start":1286.767,"end":1287.7269,"sentiment":"positive","sentiment_score":0.7843658328056335},{"text":"Thank you so much.","start":1287.7269,"end":1288.787,"sentiment":"positive","sentiment_score":0.8296262919902802}],"sentiment":"positive","sentiment_score":0.7436565973541953,"channel":0,"num_words":11,"start":1285.9669,"end":1288.787},{"sentences":[{"text":"You too.","start":1288.3469,"end":1289.007,"sentiment":"positive","sentiment_score":0.5619973838329315},{"text":"Bye.","start":1289.3069,"end":1289.8069,"sentiment":"positive","sentiment_score":0.37132567167282104}],"sentiment":"positive","sentiment_score":0.498440146446228,"channel":1,"num_words":3,"start":1288.3469,"end":1289.8069},{"sentences":[{"text":"See you later.","start":1289.4869,"end":1290.2269,"sentiment":"positive","sentiment_score":0.41636326909065247},{"text":"Bye.","start":1290.287,"end":1290.787,"sentiment":"neutral","sentiment_score":-0.11469881236553192}],"sentiment":"neutral","sentiment_score":0.28359774872660637,"channel":0,"num_words":4,"start":1289.4869,"end":1290.787}]},"summary":{"result":"success","short":"Representatives from Okty Financial and a financial company discuss investment options with Yvonne, including the possibility of investing in gold, diamond, and diamonds, as well as other investment areas. They recommend low-cost investment options and suggest adding exposure to mining and trading funds. The speakers emphasize the importance of finding a growth investor and taking risks to achieve better returns and reduce risk. They also discuss the risks of taking on more risk and the need to adjust the portfolio to reduce fees. The agent plans to research investment options and provide an advice document to the customer."},"intents":{"segments":[{"text":"I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in.","start_word":28,"end_word":55,"intents":[{"intent":"Discuss investment options","confidence_score":0.20854878}]},{"text":"So I was looking at more or less in the mining sector to do some shares in. Yes. Yeah.","start_word":94,"end_word":112,"intents":[{"intent":"Discuss mining exposure","confidence_score":0.0045630066},{"intent":"Discuss mining sector","confidence_score":0.023676625}]},{"text":"And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start_word":168,"end_word":199,"intents":[{"intent":"Confirm security","confidence_score":0.026839964}]},{"text":"But I also know the tech world is booming at the moment, so I wouldn't mind getting into that one as well. Yeah. Absolutely.","start_word":361,"end_word":384,"intents":[{"intent":"Expressing interest in tech investments","confidence_score":0.00003813735}]},{"text":"So, essentially, in order to hold gold in your super fund, by holding gold bullion, you'd be yeah. You can buy that separately, but the Global X Physical Gold gives you exposure to essentially that in an ETF.","start_word":509,"end_word":546,"intents":[{"intent":"Discussing gold bullion holding","confidence_score":0.057715736},{"intent":"Mentioning gold bullion placement","confidence_score":0.000031229338},{"intent":"Discussing gold bullion coverage","confidence_score":0.000015062553}]},{"text":"One of the big things we do wanna look at is diversification, and gold is a great asset to have. It is a growth investment and has seen really good growth there.","start_word":593,"end_word":624,"intents":[{"intent":"Creating portfolio diversification","confidence_score":0.000043658718}]},{"text":"If you like, what I could do is I could go back and have a bit of a look at the other areas, look at how your portfolio is performing, maybe look at swapping out a couple of investments that might be underperforming and maybe having a look at some of these other exchange traded funds or managed funds that give you a bit more exposure into the mining area.","start_word":786,"end_word":855,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.00016120773}]},{"text":"Yeah.","start_word":873,"end_word":873,"intents":[{"intent":"Seek advice on investments","confidence_score":0.0012735209}]},{"text":"have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like. Sorry.","start_word":1251,"end_word":1275,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.028616106}]},{"text":"Bennelong was meant to be more of an actively managed invest in your portfolio. But whilst your portfolio has done really well, this one investment has been underperforming a little bit. So I would like to maybe look at moving that out if you're open to me doing that. Yep.","start_word":1496,"end_word":1545,"intents":[{"intent":"Move portfolio out","confidence_score":0.08758623}]},{"text":"With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured.","start_word":1549,"end_word":1569,"intents":[{"intent":"Look at portfolio structure","confidence_score":0.26620746}]},{"text":"Are you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures? What would you prefer?","start_word":1636,"end_word":1673,"intents":[{"intent":"Look at low-cost investment options","confidence_score":0.040058833}]},{"text":"So good performance and maybe low cost if we can reduce the fees a little bit?","start_word":1686,"end_word":1701,"intents":[{"intent":"Reduce fees","confidence_score":0.17919204}]},{"text":"You're not accessing Super in the next sort of two to three or five years at all. But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible. Is that right?","start_word":1781,"end_word":1823,"intents":[{"intent":"Access super sooner","confidence_score":0.120730914}]},{"text":"access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60.","start_word":1859,"end_word":1893,"intents":[{"intent":"Find alternative investments","confidence_score":0.22243382}]},{"text":"Well, I was looking at an investment banking property, on? Okay.","start_word":1913,"end_word":1923,"intents":[{"intent":"Discuss investment property options","confidence_score":0.083820224}]},{"text":"So I'm No. I'm That's more alright. or less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and Yep. then move into that house and then rent out the one I'm in now. Right.","start_word":1936,"end_word":1981,"intents":[{"intent":"Discuss new house purchase and lease","confidence_score":0.00022468409}]},{"text":"I did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything. Yeah.","start_word":2056,"end_word":2078,"intents":[{"intent":"Discuss negative gearing changes","confidence_score":0.5066729},{"intent":"Discuss negative gearing changes","confidence_score":0.2300206},{"intent":"Discuss negative gearing","confidence_score":0.024526699}]},{"text":"The changes they wanna make is that you'll need to buy a new property. Otherwise, you won't be able to claim the loss on an existing rental property. It'll have to be carried forward until you sell that and subtract it from the gain.","start_word":2173,"end_word":2216,"intents":[{"intent":"Discuss changes to property ownership","confidence_score":0.002748037},{"intent":"Discuss change to property ownership","confidence_score":0.00024362367}]},{"text":"So when and if the time comes that you are wanting to look at the investing company or you have a chat to us, we can talk about what the options are, give you some general advice around, you know, what that looks like, and definitely have a chat to your accountants as well to see how, you know, the changes might affect your overall tax position.","start_word":2251,"end_word":2317,"intents":[{"intent":"Discuss options","confidence_score":0.6600337},{"intent":"Discuss tax position","confidence_score":0.12049484}]},{"text":"Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income. So, there Yep.","start_word":2317,"end_word":2369,"intents":[{"intent":"Discuss tax offsets","confidence_score":0.71269715}]},{"text":"So with your goal, I did the moment. I'll just work on sixty as it's the first earliest point you're able to access your super just while we're focusing on super there for you. Are you okay with that? Yep.","start_word":2426,"end_word":2465,"intents":[{"intent":"Confirm understanding","confidence_score":0.00020053996}]},{"text":"With what we've been seeing globally, we have seen a lot of volatility. The markets have been quite up and down over the past few months there.","start_word":2540,"end_word":2566,"intents":[{"intent":"Address market volatility","confidence_score":0.00035671378}]},{"text":"So if you saw your super balance fall by 20% due to the share market taking a bit of a dip, how do you think that might make you feel?","start_word":2640,"end_word":2669,"intents":[{"intent":"Assess super balance","confidence_score":0.24389546}]},{"text":"You still have a good diverse diversified range of investments, and your portfolio has outperformed what we would sort of expect from this portfolio for the last twelve months.","start_word":3357,"end_word":3385,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.31678826}]},{"text":"So if you're comfortable, I'll look at just adjusting your portfolio and just incorporating those extra areas that you're interested in if we can, trying to make sure we're reducing fees where possible and also making sure that the, you know, the portfolio has performed well in the past. Does that sound okay?","start_word":3404,"end_word":3456,"intents":[{"intent":"Adjust portfolio","confidence_score":0.870451}]},{"text":"Just wanna double check any other details. Since we kinda spoke in January, has there been any major changes to the any other part of your life? Have you had an increase in wages or anything? Not really.","start_word":3475,"end_word":3512,"intents":[{"intent":"Check personal details","confidence_score":0.030977765}]},{"text":"Since we kinda spoke in January, has there been any major changes to the any other part of your life? Have you had an increase in wages or anything? Not really.","start_word":3482,"end_word":3512,"intents":[{"intent":"Inquire about changes to lifestyle","confidence_score":0.0016661832}]},{"text":"And assets wise, you still got your main primary residence. I've got car and savings. With the main primary residence, loan value sitting at about 450,000. Is that still about the same, do you think?","start_word":3552,"end_word":3586,"intents":[{"intent":"Confirm primary residence","confidence_score":0.022171184}]},{"text":"Savings, you had about 33,000 in savings. Do you still have that?","start_word":3627,"end_word":3638,"intents":[{"intent":"Confirm savings amount","confidence_score":0.015572238}]},{"text":"Where did you go to? Bali.","start_word":3703,"end_word":3708,"intents":[{"intent":"Confirm trip to bahrain","confidence_score":0.004660359}]},{"text":"The other thing to sort of consider is your insurances are paid out of your super funds. So are you wanting me just to focus on the investment side of things for now? Are you happy with the insurance levels that you do have? Did you wanna alter or look at those in any way, shape, or form? No.","start_word":3770,"end_word":3828,"intents":[{"intent":"Address investment concerns","confidence_score":0.00638322}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Yvonne. This is Dana from Okty Financial. How are you this morning? Not too bad. I actually totally forgot you guys are calling.","start_word":0,"end_word":24,"sentiment":"neutral","sentiment_score":0.18447239696979523},{"text":"That's absolutely okay.","start_word":25,"end_word":27,"sentiment":"positive","sentiment_score":0.5900694131851196},{"text":"I did have you booked in for a bit of a quick catch up in relation to talking about some investment options that you might be interested in. Is now still a good time at all for you? Or Yeah. Yeah. Yeah.","start_word":28,"end_word":69,"sentiment":"neutral","sentiment_score":0.24875810742378235},{"text":"It's all good.","start_word":70,"end_word":72,"sentiment":"positive","sentiment_score":0.4963478744029999},{"text":"I yep. yeah. I was just about to go in a big w, but it's all good. No. No. That's okay. So I was looking at more or less in the mining sector to do some shares in. Yes. Yeah. Yeah. Absolutely.","start_word":73,"end_word":114,"sentiment":"neutral","sentiment_score":0.09061670303344728},{"text":"Not a problem at all. I can definitely have a really good chat to you about it this morning.","start_word":115,"end_word":133,"sentiment":"positive","sentiment_score":0.5525331497192383},{"text":"Just before I do, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Yeah. Yeah. Yeah. Yep.","start_word":134,"end_word":166,"sentiment":"neutral","sentiment_score":0.188612163066864},{"text":"Fantastic.","start_word":167,"end_word":167,"sentiment":"positive","sentiment_score":0.5079380869865417},{"text":"And just to do security, because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yvonne Castellano. 24th Of The 7th 91 In 14 Yep. Mahogany Avenue, Musgrove.","start_word":168,"end_word":212,"sentiment":"neutral","sentiment_score":0.11583811044692992},{"text":"Beautiful. Thank you so much for that.","start_word":213,"end_word":219,"sentiment":"positive","sentiment_score":0.5753405690193176},{"text":"So having a bit of look at things, you may have mentioned in your annual review, you're looking at maybe having a bit more exposure into the mining area as such or that sort of area. Are you wanting to sort of look at anything particular, or are you sort of looking at maybe a little bit of direct exposure utilizing some other investment options like ETFs or managed funds that might give you diversified exposure to lots of different companies in that area, or are you sort of just looking for exposure into one or two different stocks? What's your sort of thoughts around what you'd be after? Well, I'm not not too sure, but definitely, Mhmm. I work in mining. So I'm Yeah. in the coal sector. Yep. So either BHP or, say, CICE. Mhmm. Things like that. But I also know the tech world is booming at the moment, so I wouldn't mind getting into that one as well. Yeah. Absolutely. So just to have a little bit of what you do have there at the moment, in your super fund, I'm just having a quick look here for you. So within your fund at the moment, you do have a bit of exposure into the tech world. So you do have the battery and lithium tech sort of investments within ACDC there, and that is giving you access to the tech sector as well as battery and lithium tech. You've also got some physical gold in there as well with the Global X Physical Gold ETF. That's what I And what then was you've my all other one as well? yeah. So some physical gold. Yeah. Is it billion or whatever it's called? Billion? Yeah. So, essentially, in order to hold gold in your super fund, by holding gold bullion, you'd be yeah. You can buy that separately, but the Global X Physical Gold gives you exposure to essentially that in an ETF. So you do have exposure to that. In your sleepers, and at the moment, you are weighted about 7.5% there.","start_word":220,"end_word":566,"sentiment":"neutral","sentiment_score":0.08718157138793545},{"text":"So that's a good stock to have. It has been performing nicely. It's showing an increase in your portfolio.","start_word":567,"end_word":585,"sentiment":"positive","sentiment_score":0.5854515433311462},{"text":"I Yep. wouldn't wanna increase that anymore. One of the big things we do wanna look at is diversification, and gold is a great asset to have.","start_word":586,"end_word":612,"sentiment":"neutral","sentiment_score":0.1818389892578125},{"text":"It is a growth investment and has seen really good growth there.","start_word":613,"end_word":624,"sentiment":"positive","sentiment_score":0.37860921025276184},{"text":"But you've also gotta just remember, gold does have drops. And if you sort of think back to early this year, we did see in February a very large drop with gold in one day. It dropped about sort of 18% essentially in one day. So gold will see very large increases also can be open to very large dips, which can affect your portfolio. And gold isn't an income producer. What we also wanna see out of your investments is income production. So dividends that are paid back for the compounding, those dividends get paid out of your investment portfolio to your cash account, and we can use that money to reinvest into your portfolio for long term growth. Physical gold doesn't necessarily have that aspect there.","start_word":625,"end_word":752,"sentiment":"neutral","sentiment_score":-0.04417992243543267},{"text":"But you do have 7.5% in physical gold, which is good to see. You've got some battery and lithium tech in there as well, so you do have access to the tech sector.","start_word":753,"end_word":785,"sentiment":"positive","sentiment_score":0.4492805600166321},{"text":"If you like, what I could do is I could go back and have a bit of a look at the other areas, look at how your portfolio is performing, maybe look at swapping out a couple of investments that might be underperforming and maybe having a look at some of these other exchange traded funds or managed funds that give you a bit more exposure into the mining area. Is that what you'd like me to sort of do? Is that sort of what you're after? Yeah.","start_word":786,"end_word":873,"sentiment":"neutral","sentiment_score":0.11571453511714937},{"text":"That'd be that'd be really good.","start_word":874,"end_word":879,"sentiment":"positive","sentiment_score":0.39491066336631775},{"text":"Because I was also Yeah. looking I don't I don't know it was just a thought, and I don't know how it's Mhmm. going, but a diamond Okay. only because they are becoming very rare. Yep. And I'll I don't see know if how we I can find yeah. yeah. You're right. I don't, yeah, I don't know how it would go, but I just had a I thought I thought about gold, and I thought, what about diamonds? Only because, you know, they had the our gold diamond mine go down, and then I'm like, well, like, you know, you go to the jewelers and Diamonds are just really expensive. And so if I was to get, like, an investment in that somehow, I thought that'd be good. I could be Yeah. wrong, That's but okay. No. That's absolutely fine. I'll see if there's anything that we can do in relation to that. It would probably have to be through some sort of managed fund with some sort of indirect exposure or into a an exposure into a company that mines for maybe the diamonds. Yes. But I can have a look at what the the options are out there for investments, see how they work. We'll look at those with your portfolio, with your level of risk exposure, and sort of see how that marries out. And if you like, I can come back with an advice document that outlines what we're recommending with your portfolio, what changes we're gonna make, how that looks, what exposure you have, and then you could decide whether you're happy to take that on. Does that sound okay? Yep. That's fine. I Yep.","start_word":880,"end_word":1160,"sentiment":"neutral","sentiment_score":0.015047092587286042},{"text":"was just Beautiful.","start_word":1161,"end_word":1163,"sentiment":"positive","sentiment_score":0.4123629033565521},{"text":"wondering how much is my Sure. superseding at? At the moment, sir, your balance as of today's date was sitting at a 147,050 Yeah. Okay. 4. Yeah. I'm just having a quick look back at your last annual review to see what your balance was then and just pulling up a portfolio report for you as well. So you had an annual review in January by the looks of things. So balance at annual review time in January was sitting at a $141,001.36. And if we Yep. have a look at the the performance net of fees for the last twelve months to sort of see what that is looking like. Sorry. My computer's a little bit slow this morning. I think it's a cold, to be honest. I don't blame it. It took me a little bit to get organized this morning too. So performance in the last 12, net of fees, is showing up 11.51%.","start_word":1164,"end_word":1320,"sentiment":"neutral","sentiment_score":0.014003300108015536},{"text":"So your portfolio has performed really well.","start_word":1321,"end_word":1327,"sentiment":"positive","sentiment_score":0.4573270380496979},{"text":"You are in that growth growth area, so that's generally where you see about 80% of your super invested in the growth assets, like, say, commodities, like physical gold and silver. You've also got Australian shares, international shares, and listed property as well. That's where you see most of your growth from out of your portfolio. And then still having some low risk defensive investments like cash bonds and fixed interest and about 20% invested in that area. With the growth sort of environment, we are looking or chasing returns on a yearly basis of about sort of seven to 9%.","start_word":1328,"end_word":1428,"sentiment":"neutral","sentiment_score":0.1826009452342987},{"text":"So to get an 11.51% net of fees there, it has shown your portfolio has definitely overperformed for the year, which is really good.","start_word":1429,"end_word":1452,"sentiment":"positive","sentiment_score":0.583624541759491},{"text":"With the investments underlining, you do have a managed fund called Bennelong in there because we are looking to go back and maybe look at adding some additional exposure into those mining areas. I would like to maybe reevaluate this investment itself. Bennelong was meant to be more of an actively managed invest in your portfolio. But whilst your portfolio has done really well, this one investment has been underperforming a little bit. So I would like to maybe look at moving that out if you're open to me doing that. Yep. That's fine.","start_word":1453,"end_word":1546,"sentiment":"neutral","sentiment_score":0.04843720381564282},{"text":"Yeah. Beautiful.","start_word":1547,"end_word":1548,"sentiment":"positive","sentiment_score":0.4941225051879883},{"text":"With your portfolio, the other thing we wanna sort of look at is how you wanna sort of see it structured. So with having Ben along in your portfolio, it was meant to be more of an actively managed investment. And the idea of having an active manager in your portfolio is that they're trying to buy and sell and pick into the market and outperform against the market. Van Along hasn't been able to do that, and that's why we wanna move them out of there. Are you wanting us to keep looking at more actively managed investment managers, Or are you wanting it your portfolio to be more cost effective and maybe look at some low cost investment structures? What would you prefer? Like anybody does. We want them to make money. Yeah. Yep. Yep. So good performance and maybe low cost if we can reduce the fees a little bit? Yep.","start_word":1549,"end_word":1702,"sentiment":"neutral","sentiment_score":0.08234896510839462},{"text":"Perfect.","start_word":1703,"end_word":1703,"sentiment":"positive","sentiment_score":0.37331950664520264},{"text":"I'll have a look at some low cost investment options there for you. Look at replacing the one fund that's Yeah. been underperforming and look at increasing exposure into some of those mining areas and see if we can, you know, increase exposure a bit for you. Just wanted to double check that that growth portfolio still does suit your goals as well. You'll given you're so young, you've got a lot of time ahead of you. You're not accessing Super in the next sort of two to three or five years at all. But what age are you sort of hoping I had here that you were realistically trying to access super as early as possible. Is that right? Yeah. Well, at least 55. Yep. So at the moment, the earliest you're gonna be able to access your super is age 60 so long as you fully retire. If you're wanting That's to fine. access or retire earlier, we need to find ways of maybe investing outside of super or having investment properties or some sort of way of being able to generate income before the age of 60. Are you wanting to look at those sorts of areas, or is super kind of what you'll be No. Well, I was looking at an investment banking property, on? Okay. but I'm in no financial position to do it yet. Okay. Yeah. So I'm No. I'm That's more alright.","start_word":1704,"end_word":1942,"sentiment":"neutral","sentiment_score":-0.0009345125765481254},{"text":"or less I've I it's kinda like I'm doing it the around the wrong way where I wanna build a new house and Yep.","start_word":1943,"end_word":1966,"sentiment":"negative","sentiment_score":-0.3567948043346405},{"text":"then move into that house and then rent out the one I'm in now. Right. Okay. Yeah.","start_word":1967,"end_word":1983,"sentiment":"neutral","sentiment_score":-0.18114173412323},{"text":"I know it's backwards, but I don't really wanna build a brand new house and have somebody else move in.","start_word":1984,"end_word":2003,"sentiment":"negative","sentiment_score":-0.3586193323135376},{"text":"Does that make sense? No. That's absolutely fine. And, look, honestly, it's a it's an individual decision.","start_word":2004,"end_word":2020,"sentiment":"neutral","sentiment_score":-0.10673173516988754},{"text":"Not everyone wants to.","start_word":2021,"end_word":2024,"sentiment":"negative","sentiment_score":-0.3387943506240845},{"text":"Have you sort of had a look at what came out with regard to the new budget recently with what the No. changes might look like for investors? No. I haven't.","start_word":2025,"end_word":2055,"sentiment":"neutral","sentiment_score":-0.13327255845069885},{"text":"I did hear something about negative gearing was a lot better, but I don't I haven't sat down and actually read anything.","start_word":2056,"end_word":2077,"sentiment":"negative","sentiment_score":-0.3896293342113495},{"text":"Yeah. What I would probably suggest is when you are looking to maybe do that, come and have a chat to us. We're definitely here to sort of help and have a look at how that might affect you and what options might be available to you This with the new changes, and there's nothing in place as of yet. It's all still gotta go through parliament, so there could be definitely changes to it. But at the moment, in order for you as an investor to be able to access negative gearing moving forward. The changes they wanna make is that you'll need to buy a new property. Otherwise, you won't be able to claim the loss on an existing rental property. It'll have to be carried forward until you sell that and subtract it from the gain. So there are some changes coming to the negative gearing side of things.","start_word":2078,"end_word":2229,"sentiment":"neutral","sentiment_score":-0.15196269750595093},{"text":"But as you kinda said, you're not really in a position to be able to do that as of yet.","start_word":2230,"end_word":2249,"sentiment":"negative","sentiment_score":-0.5175074934959412},{"text":"So when and if the time comes that you are wanting to look at the investing company or you have a chat to us, we can talk about what the options are, give you some general advice around, you know, what that looks like, and definitely have a chat to your accountants as well to see how, you know, the changes might affect your overall tax position.","start_word":2250,"end_word":2316,"sentiment":"neutral","sentiment_score":0.06906893104314804},{"text":"Because one of the big things is by having a rental property, it does create income and does give you additional tax offsets, which is fantastic, but it also does increase if you're, you know, positively good increase in that tax you might pay because it increases your taxable income.","start_word":2317,"end_word":2366,"sentiment":"positive","sentiment_score":0.35284343361854553},{"text":"So, there Yep. are some changes that the government's putting out there at the moment that could affect you both positively and or negatively depending on what you're after, what your goals are, and what you're hoping to do. But feel free to come and have a chat to us then as well, Yvonne. Okay? Yep. Will do.","start_word":2367,"end_word":2424,"sentiment":"neutral","sentiment_score":0.0007449889089912176},{"text":"Excellent. So with your goal, I did the moment.","start_word":2425,"end_word":2433,"sentiment":"positive","sentiment_score":0.4099600315093994},{"text":"I'll just work on sixty as it's the first earliest point you're able to access your super just while we're focusing on super there for you. Are you okay with that? Yep. That's fine. I I mean, I've I've still got a few years off yet. So You have plenty of time. Absolutely. The one of the things I do like to sort of look at when we're looking at risk and the way you're invested within your super there is sort of what happens in the event of a negative downturn because we do know that markets go up and down even this year alone. With what we've been seeing globally, we have seen a lot of volatility. The markets have been quite up and down over the past few months there. If you saw your super full, say, by 20% over the next one to two or three years, do you think you'd be concerned about that? Would you be maybe talking to us, or are you more thinking it's a positive, it's a buying opportunity, trying to put more money into the market? How do you think you might react? When you mean market, do you mean, like, housing market? No. No. So if you saw your super balance fall by 20% due to the share market taking a bit of a dip, how do you think that might make you feel? I'll be a bit worried, but, I mean, I guess it's the risk you take because I'm at fire risk, aren't I? You are when you sort of look at the risk level between, say, one to five, you're sitting at sort of in between a three to four. So you're not at the highest, but you're not at the lowest. You're kind of mid range. It does suit someone of your age and stage, but it is about making sure that you you know, because markets will go up and down. It is absolutely normal. It does happen. We just need to make sure that you can sit through those cycles, that you're not gonna be able to take money out or not wanting to move money or sell investments at a downtime. So, realistically Yeah.","start_word":2434,"end_word":2805,"sentiment":"neutral","sentiment_score":-0.05632093862219844},{"text":"No. I don't wanna do that.","start_word":2806,"end_word":2811,"sentiment":"negative","sentiment_score":-0.4525642395019531},{"text":"yeah. If That's if okay. if like, if I was to do, like, say, the investment side with the houses and whatever, and even with the super, I probably wouldn't touch anything more within a downturn, to be quite honest. Yep. Like, I don't Yep. I don't see the point in that because it takes years to try and get that Absolutely. So no matter what happens to it, you're happy to sort of sit through the downtime, back. maybe keep working a little bit longer or change your goals to allow that market to come back out and recover. Yeah. Yeah. Yeah.","start_word":2812,"end_word":2914,"sentiment":"neutral","sentiment_score":-0.0611363910138607},{"text":"Perfect. Excellent.","start_word":2915,"end_word":2916,"sentiment":"positive","sentiment_score":0.5563722848892212},{"text":"The last one here is, obviously, you are looking at buying an investment property down the track there. So I'll mark off here that it's something that you do have as a bit of a goal. When you think about your super, have you ever seen the value of your super falling value? Is it something you've looked at your super and seen it's gone backwards a little bit? Look. I I'll be honest. I haven't really checked it lately You don't only look at because it very I've often? been no. Just because I've been so busy. Yeah.","start_word":2917,"end_word":3015,"sentiment":"neutral","sentiment_score":0.022553070326044103},{"text":"But I did notice once I first, like, got you guys to start looking at, like, looking after it, I did notice a big increase, and I was like, oh, I'm happy with that. Yeah. Yeah. Perfect. That's okay.","start_word":3016,"end_word":3054,"sentiment":"positive","sentiment_score":0.3671868145465851},{"text":"So you haven't really seen it sort of have a pullback at any point in time, So but you none. know it could definitely happen. That's alright. The last question I wanted to kind of ask is when you think about your super, we wanna obviously make sure that you're getting the returns you're after. But to take to get higher returns, you are required to take on a little bit more risk. So when you think about taking on more risk, are you comfortable taking more risk in the market to try and get the better returns knowing you're accepting the do you feel like you'd be wanting to take a little bit less risk in the market, reduce the returns a little bit to, you know, protect the downside a little bit. How do you sort of feel? At my current age, I'm okay with the higher risk. Yep. If it was you know, I don't know.","start_word":3055,"end_word":3213,"sentiment":"neutral","sentiment_score":-0.007606221362948418},{"text":"If for some reason I got sick or something and had to pull my super out, then I definitely would probably think about going that mediocre.","start_word":3214,"end_word":3239,"sentiment":"negative","sentiment_score":-0.3784545958042145},{"text":"Yeah. Yeah. That's okay. Absolutely fine. Not a problem at all.","start_word":3240,"end_word":3250,"sentiment":"neutral","sentiment_score":0.16256214678287506},{"text":"Beautiful.","start_word":3251,"end_word":3251,"sentiment":"positive","sentiment_score":0.5248236060142517},{"text":"Now having a look at that, you have scored there as a growth investor. As I kinda went through, you are in that growth environment there. That's an eighty twenty split in growth and defensive investments. This sort of a portfolio does suit someone who has at least six years before they're wanting to access that super. And when you kind of look at it out of, let's say, a range of five, five being the highest amount of risk, one being the lowest amount, you're kind of in that mid range between sort of a three and a four. So you're not all in.","start_word":3252,"end_word":3356,"sentiment":"neutral","sentiment_score":0.10847841203212738},{"text":"You still have a good diverse diversified range of investments, and your portfolio has outperformed what we would sort of expect from this portfolio for the last twelve months. So it is definitely really good, and I'd be comfortable keeping you in that for a bit longer.","start_word":3357,"end_word":3403,"sentiment":"positive","sentiment_score":0.5158710885555187},{"text":"So if you're comfortable, I'll look at just adjusting your portfolio and just incorporating those extra areas that you're interested in if we can, trying to make sure we're reducing fees where possible and also making sure that the, you know, the portfolio has performed well in the past. Does that sound okay? Is that what you're after? Have I missed anything at all? No. That sounds great. Yep.","start_word":3404,"end_word":3472,"sentiment":"neutral","sentiment_score":0.21744415163993835},{"text":"Beautiful. Fantastic.","start_word":3473,"end_word":3474,"sentiment":"positive","sentiment_score":0.5301195383071899},{"text":"Just wanna double check any other details. Since we kinda spoke in January, has there been any major changes to the any other part of your life? Have you had an increase in wages or anything? Not really. Nothing's really changed. Yeah. No. I just go to work, go home, look after my child. If anything, he spends all my money on toys. Oh, wow. And he's five. Is that right? Yep. Yep. No. Perfect. All good. And assets wise, you still got your main primary residence. I've got car and savings. With the main primary residence, loan value sitting at about 450,000. Is that still about the same, do you think? Off the top of my head. Yep. Yeah. That's okay. Car asset value about 35,000, loan owing about $22.05. Would you alter that or keep it about the same? No. I'll keep that about the same. Yep. That's absolutely fine. Savings, you had about 33,000 in savings. Do you still have that? It's yeah. Roughly, it's about 30 Roughly? now, but yeah. Yep. That's absolutely okay. I'll just decrease it slightly there. And I also had a holiday fund with about 3,000 sitting in that. Have you managed to pop a bit more away? I know it has been hard with the cost of living. No. I spent that. I went on that holiday. Oh, fantastic. Where did you go to? Bali. Oh, wow.","start_word":3475,"end_word":3710,"sentiment":"neutral","sentiment_score":-0.006132157519459724},{"text":"I hope you had an amazing time.","start_word":3711,"end_word":3717,"sentiment":"positive","sentiment_score":0.3991855382919311},{"text":"Hopefully, It it's nice and warm. was. It yeah. It was.","start_word":3718,"end_word":3728,"sentiment":"neutral","sentiment_score":0.2445559799671173},{"text":"It was lovely.","start_word":3729,"end_word":3731,"sentiment":"positive","sentiment_score":0.5395015478134155},{"text":"And then I came back home and then, like, the depression of being home again was like, Yeah. ah, Absolutely. back to reality. Getting back into it. Absolutely. No. All good. Well, I'll update that there for you. The other thing to sort of consider is your insurances are paid out of your super funds. So are you wanting me just to focus on the investment side of things for now? Are you happy with the insurance levels that you do have? Did you wanna alter or look at those in any way, shape, or form? No. I'm happy with what Happy everything with with those? that. Yeah. Yeah. Yep. Absolutely. I still So I did I yeah. did Alright. get a Sorry. reminder the other day that I need to do a will. Yes. I will get to that eventually. Yeah. That's okay. Are you happy with me just limited scoping this advice piece just solely to the investment side of things for you, scoping out everything else for now? We can always come back and look at anything else additional. Yep. Yep.","start_word":3732,"end_word":3915,"sentiment":"neutral","sentiment_score":0.03542530909180641},{"text":"Beautiful.","start_word":3916,"end_word":3916,"sentiment":"positive","sentiment_score":0.40830308198928833},{"text":"What I will do, as I will have a limited scope just for the insurances just to say that they are retained because they are paid out of super. It does have a long term effect in the projection side of things, but I'll show you all of that as part of the advice document. But I'll scope everything else that make it a very limited advice piece. It does take a couple of weeks to do the research on this. So if it's okay, my team will go back. We'll have a good look at the different investment options out there. They'll do all the research around what they look like, what's available in your super fund, the cost of everything, and then we'll come back with an advice document and let you see exactly what that looks like. Does that sound okay? Yeah. That's fine.","start_word":3917,"end_word":4063,"sentiment":"neutral","sentiment_score":0.10428167134523392},{"text":"Fantastic.","start_word":4064,"end_word":4064,"sentiment":"positive","sentiment_score":0.5265427827835083},{"text":"Do you have any other questions, or have I missed anything? Or No. I think no? that's summed it up pretty much. Yeah.","start_word":4065,"end_word":4087,"sentiment":"neutral","sentiment_score":0.1025952398777008},{"text":"Fantastic. All good. Well, thank you so much for your time. I will let you go. Enjoy shopping a big w.","start_word":4088,"end_word":4108,"sentiment":"positive","sentiment_score":0.4180257022380829},{"text":"Don't spend too much. And I will I'll go back and do the research there for you, Yvonne. If there's anything else that we do need, we'll come back and let you know. Otherwise, we should be right to touch base in a few weeks and go through the advice document with you. Okay?","start_word":4109,"end_word":4162,"sentiment":"neutral","sentiment_score":0.20115278109356208},{"text":"No worries. Thank you so much for your time. Oh, not a problem. Enjoy your day. Thank you so much. You too. Bye. See you later.","start_word":4163,"end_word":4188,"sentiment":"positive","sentiment_score":0.6447027921676636},{"text":"Bye.","start_word":4189,"end_word":4189,"sentiment":"neutral","sentiment_score":0.2258115261793137}],"average":{"sentiment":"neutral","sentiment_score":0.05649008834451533}}}}