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So it's a beautiful day on the Gold Coast, and the dog his dog in the boss has brought his dog in, to be honest. Mate, I've just got you here for an annual review. I'm just getting through a quick security check with you and send through a pack to you. Can I please confirm your date of birth and address? Sensational. Thank you for that. And I'm ready with our speaker's adviser 1273105. Mate, I've got your email address listed here. File was the RPS consulting one. Will you have a look onto that email with me today? Yeah. Absolutely. Let me just switch it around a little. And, basically, what I'll do today is gonna update a few details because we have a new system in overview. And I don't believe I've spoken with you before. I'm the new senior adviser here. So I'm basically just gonna recap your goals, go through some strategies with you. And I do see some notes there that you wanted to talk about your investments. I believe that's the main thing. Anything else? Yeah. So I've saw a note there that you talk about the investments for the super. Just wondering if there's anything else in particular for this review. Perfect. Alright. So I'm just gonna put that here. Just bear with me for two minutes, mate. Here. I've got Gmail address there as well. So that's the main one to send it through for today. Thanks, mate. Alright. That should pop through pretty quickly. If it is the first time using your system, it may go to your spam folder, but that usually does come through in about thirty seconds or so. Now perfect. So you can bring that one up. There's a purple sign button. It just brings open the documents per peruse together today. Main thing I wanted to look at at this point is just in terms of changes in your circumstance and your So just let me know if this sounds correct. We've got you here wanting to basically grow your super as much as possible. You had a bit of an insurance fix up there to begin with. Estate planning was put in place, but you had a priority for a couple of years to kind of your savings cash buffer, eventually pay down the home, do a bit of travel, and possibly purchase another home that you might convert into, like, an Airbnb. Does that sound okay? K. Anything in particular for you guys, say, one to three years that I need to factor into the advice? Yeah. I've just had my first myself. So you're currently married with Sarah, and you've got one child at the amazing. And we have you here as a project manager slash engineer for RPS. And I think we had you on about a 160,000. Has that changed much when you your tax return this year? Yep. Perfect. So in any updated projections or anything like that, I could base it on those contributions. And do you have any thought towards, you know sorry? I was just wanting to check-in terms of the contributions I can base the projections and advice on. I'll put in there the contributions you're putting in. What are you looking to do any kind of salary sacrifice or anything this year, or you've enough kind of cash flow priorities at the moment? Right. Perfect. And are you did you get a chance to get a benefit from some of the subsidies in terms of the the tax changes on that one? I know you've got it in just the cutoff date. Would you have purchased that last or this year? Oh, right. Perfect time for that. I think they said the change is set for, I think, April, that they'll remove some of those benefits, So no timing there. Beautiful. Yes. Alrighty. Now I've got your hosted as well. I'll do a quick updated online valuation for your property value. But in terms of the mortgage there, I think we had about three owing at the time. I'm just doing a search for the value at the moment, but I was just wondering around the mortgage. We had it at 320,000. Property value online is coming up as around 480,000. Does that sound about right to you, or is that a bit low? Yeah. Absolutely. $104.80 for the time being. Just keep it conservative. Is that alright? $333.24. Perfect. And last, assets and liabilities, we had cars there, but I did note the electric vehicle on the Novated lease and just a credit card there. No other loans or assets, shares or crypto? Perfect. Last couple of details to update, and then I can dive in with you, is just in terms of savings. Do you tend to build up savings in an offset account or a savings account? Perfect. Do you have an approximate balance to note down just for the time being? Perfect. They have changed some anti money law laws at the moment, so we're just asking a couple extra questions here. In terms of insolvency, have you ever gone through any bankruptcy or part nine agreements and not a member of a tax jurisdiction? Perfect. Awesome. So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning. There was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you? Yep. We can always have a discussion around investments inside the super and options that may be available for you personally as well. I do know that your your hub fund does offer, like, investment accounts. So you can have, for example, an investment account inside your super, you can invest in all the same kinds of managed funds and ETFs and things like that. Cool. If you have a look at that email there, the documents have popped up, and you can usually click the next commit button to cycle through them or just scroll through the documents with me. And the first I can see there is a summary of the superintendents. You should see your hub account and the Clearview policy. It's got a bit of an oak view letterhead on it. So hub is platform for the super and Clearview, the insurer that we're currently using. Correct. So life insurance, 1.4 mil if you away. TPD is permanent disablement. So that's another lump sum. Again, clear the debts, replace the lost income. Income protection is your temporary disability. So if you're out of work for more than the thirty day waiting period, it'll kick in a monthly benefit for up to five years. I'm kind of taking a look here just at the the amount because it is percentage based. Thirty day waiting period, five year benefit. Now bear in mind, the monthly benefit, that is the gross. It's before tax. So what I basically do here is I just have a look at that monthly benefit. We look at when the policy was put in force, which was 2023. So we've got eight seven one four. It's a 70%. It's protecting income of about a 150,000. It'll probably still get you just shy of 2,000 a week in hand off tax. Do you think that would still kind of cover you guys, you know, to keep the mortgage paid and things like that, or does it seem low? Yeah. So it counts and injury. So it's anything based outside of work because most of the times work would be covered by, like, work cover. Income protection can pop it up, but it's any illness or injuries that put you out of work for more than a month. And I'm just looking at the premiums there. So $25.09 comes out of the super. You do get a 15% tax rebate for being paid super, so it drops it under $2. I see here that because of the engineering side of things, you've got a really good occupation rating. Pretty much one of the best occupate ratings you can get for pricing. I think the only thing above would be like a lawyer. Now if at any point that kind of skyrockets in because since you've, you know, late thirties, not too bad now, but once you hit forward, it's step, then it will go up with your age. So what will tend to happen in your forties is it'll jump up $3.04, $5,000. And then once you hit your late fees, it can go all the way up to 7,000, 10,000, 15,000. So the aim of the game is to kind of reduce the cover down as you pay off the mortgage because, essentially, you've got less things that you need to cover for, especially when there's years to cover, less liabilities. So there's a bit of balancing act that we do to keep it trimmed down. And if we need to, we can shop around for other providers as well. I guess the last question I've got just for insurance side of things is the point four mil for the life insurance. That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income. Do you feel like that income of the income protection is okay in that scenario? So if you were to pass away, home loan's paid off, they've got that lump sum there. Does that sense like they'd be able to get back on their feet kind of thing? K. So I'll keep that one as is for the time being. Now on the email that you there, there should be a next document budget to bring open for your hub 24 performance table. Now it's a big blue one there. I know sometimes it can be a bit blurry on these type of programs. Can you make out any of the the names and is all the writing clear enough to look at? Cool. I'll point out a couple of key points here that I've been looking at before the review as well. For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio. So the majority of is in your growth assets like shares, property, and. You have very little in defensive assets to try and get those higher long term returns. Does that make sense? Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and it's cleared about five for the year. I do see here the account. Overall, your account's done on a balance standpoint just because the contributions have been fantastic. So you came on board. You've gone from 50,000 to a 116. If you recall, you've had a bit of a dip in 2025 when markets went down. And then again, we had a dip at the start of this year where it went from, like, a 106 down to about 98, and then it back up again. Now two sort of concern that I can see is the Benelong Australian shares option. Anything that you see on the right hand side for the percentage returns, if it's bracket, it means it's a negative, and anything that doesn't have a bracket is a positive return. And, basically, I've I've had a lot of exposure to all of the funds that you've currently got before I came to Oakview. I've been doing this for about twelve years now, and Spenalong was kind of on a lot of people radar last year. And, basically, when I came to Oakview had a pretty recently with the investment committee to look at alternatives for that option. And I was probably coming into this meeting wanting to look at a replacement part. Now across the rest of the portfolio, everything is looking pretty good in terms of behaving the way I would expect it to. So the gold being up 24%, that tracks the gold market. That's fantastic. The international shares are doing really well. They're tracking their areas very well, Pretty diversified in terms of health care, different sectors. Cybersecurity is gonna be a bit of an issue going forward. The other one I'd like to look at is the bank hybrids. It's the section on the list. The government is actually phasing that type of term deposit out over the next couple of years. So I wanna just kind of take the opportunity to update that as well as underperforming option. Is that okay? There's a couple of options in terms of style. So when it talks to, like, Hub as a plat it's got the most investments in the industry. So we've got about 1,300 options there, plus everything listed on the stock exchange. So I can pretty much pick any option within any file to replace it with, but you've got two main sort of categories. You've got your low fees of options that follow the market very closely, or you can continue in that kind of active space where you pay a bit higher investment fee to try and get a higher return in the market. I guess the question I really wanna ask you, because I will make a recommendation, is between those two styles, which one do you lean more towards on a gut feeling? Yeah. So the percentage based fee. So when we look at each option individually, we basically this is the investment fee. This is the returns. What's the returns net of fees? And is it performing in line with the objective? Which for this one would be outperforming the Australian market, which is not currently I do have options that are outperforming the Aussie market, but I also have straight up index ETFs, which would heavily reduce the investment fees and get it straight back on track with the Aussie market. Easy done. So I'll look through actually, most of the providers you've got there are the low fee ETFs, the the beta shares, and the iShares. They're pretty alongside the Vanguard. So the kind of main two two fund managers that offer index ETFs. So I'm gonna have a bit of a a tweak there. Now overall, in terms of long term side of things, so I mentioned before, you need to hit that kind of 10% benchmark. This portfolio itself is still clearing but it does have a couple issues that I think oh, yeah. Sorry. Can you hear me now? So what I was saying was in terms of the benchmark, the portfolio is still clearing at 13% per annum long term, but that doesn't mean that it doesn't have that issue that needs to be addressed right now. Correct. So that's total portfolio on the second page. And with the high growth, so I was saying good years, you want to be getting ten, twenty, 30%. Yes. You're gonna have that back every seven where it does kind of 20%. But Yeah. And when I compare it to kind of where you were before with the rest option, they definitely done a little bit better for the last twelve months. Three years wise, they're they're kind of still a bit low, 7%, 9% for their balance and growth options, which is below what you're aiming for. So, yeah. Just talking in terms of net returns after. So I think the main thing is get it back on track to where it should be. The Benelon option in itself, I think what ended up happening there was that they made a few bad investments. And when those investments written down, there's a bit of a news article about it that we had a few people leave the fund recently. So that's why we've kind of flagged that. I don't think it's one of those options where you just wait twelve months for it to come back now. It's gotten to a point that it has to be fixed, and that's the only reason why it's below that percent for this year. Cool. Yeah. One of the little tricks I'll do for this one is any type of funds that in a negative, we can use that to offset any gains for the other options if we wanna update a few options within the portfolio, and that'll reduce the impact heavily. So any capital gains I switch out will kind of mitigate the tax that Uber would pay under the hood. So I'll do that to just make sure it's not oh, sorry. So, you know, if you had, like, a couple of investment fees and you sold one for a gain and one for a loss, they would offset each other in terms of paying capital gains tax. So it kind of gives me an opportunity to update some of the other options for essentially free to get the loss that was occurred with Benelon. So in terms of the switch, so I'll look at for Benelon, the bank hybrids. There's probably a few other options we might look to mix in as well, whether that's electric vehicles, things that are pretty popular and looking good long term. I can kind of use that to sort of buy in for free to get those sectors. That sound okay? So with India, that's an interesting one. So that's more of a a long term macroeconomic play. I know a lot of firms have been doing that the last two years because of the switch from, like, China to India for manufacturing. So when those countries get the manufacturing across and the GDP grows, that's when you expect to get the gains out of those companies. So it's one of those ones where it's kind of like a five to seven year, if not longer, investment, which is why there's only a portion in that one. I don't have much concern for that one, but if it is something that you're like, look, I really don't want any single option to the negative like that, I can update that too. But, again, that was more like a five year thing. No. That's totally fine. So when you're in the stock market or, you know, Comsec account, you buy some shares, an ETF is basically just a collection of shares where they just wrap a bubble around it. For example, the S and P. Sorry? The fund manager packages it, and then it gets listed on the stock exchange, and then you purchase through whichever brokerage firm you use or whichever plat. Correct. That's one of the main reasons why you're in 24 platform besides the amount of options they is they do this thing called aggregated bidding as a feature. So if anyone is buying what you're selling or selling what you're buying, you can essentially trade the parcels and you won't get charged fees for it. Just a way to kind of reduce the broke the impact on your super. I've seen a couple of clients since I've come to Oakview that it's gone down about 80% brokerage fees, which is brilliant. But, basically, most of those there, once you purchase them, investment fee range for them is from about 0.04% to about 0.6, whereas the the is, like, above 1% for an investment fee. K? So I think that passive approach probably works for you. Perfect. Alrighty. I'll have a look at that. Tweet it from here. What I'll do is put together the comparisons, the updated advice document, updated projections, and then I'll get you booked in to go through those with me, And then we can kind of see if you're comfortable before I make those changes. Let me have a look. It's on the dashboard there. Do you usually log in to your at all on the phone or computer? Would you like me to your, like, login reset while I have a chance? I'm pretty familiar with the old hub. I would suggest your website's a bit better than the app. Now your exposure, 10 and a half percent. Usually, I think we look at around seven to 10 depending on the portfolio. There's a few model portfolios to use, and that's kind of a we never usually do more than 10% in an alternative satellite option. So your main one is like your your American shares, your Australian shares, your S and P, your ASX. The ones like Golden Cybersecurity, those satellites usually run between five to 10%. And you're sitting at 7.4. Yeah. Email address usually works. I'm just gonna hop on to the account details because sometimes it'll me the actual sort of username on that. We've got login status active. The email address does work, but you've got the login ID. If you'd like to note it down, I've got it in front of me. 13672762. And it's yep. Correct. And it's linked to your mobile number ending in 030 for multifactor authentication Text message. And then it's 2762. I know Hubs usually good for the the text message rather than the authenticator apps for that one. Jonathan, just while you're going through that login process, I was just gonna ask you a quick question around the retirement side of things. Do you have a second? Yeah. So you've just opened up five topics in my mind just then. I'll try and keep it succinct. I'll take you through three main points to begin with. So the outlook for the rest of this year and next year is just volatility, which basically just means the movements are sharper and quicker. So every week, every month, the market's moving higher and lower at a higher percentage than it normally would in the usual seven year cycle where it just slowly creeps and then crashes. Besides the wars, economic issues, inflation, property markets around the world, AI bubble, that kind of thing, that's five contributing Inside that as well, those indexes that you're looking at, the S and P 500 for Africa, the ASX 200 for Australia, those are the largest companies in that country. So as those changes happen, there's gonna be companies coming into that index because they've grown massively in size, and then other ones popping out there. And they're all different industries and different things like that. So from the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form. Whereas Australia has been very stable for a long time of The biggest companies are pretty much the banks and the miners with a few other guys mixed in, Coles, Woolies, things like that. So my first point is that volatility is gonna remain high. Generally speaking, I'm still expecting some pretty decent growth throughout the end of the year and next year. The AI bubble, last time we went a bit of a a seminar to talk to fund managers, people are talking about anything from a four times boost in the the hyperscaler companies or up to 4,000 times, you know, if you think that SpaceX and the like will kind of get us to that type of scale of things. So, basically, what's happening through most of the funds is people wanna make sure they've got enough exposure to those companies so they can capture the growth. That's things like a Nasdaq and tech stocks without piling all of your money and all of your super into one sector, where if that then bursts, it takes your entire fund down 80%, and you're sitting there with $20,000 next year. So most of the moves that we're doing with these portfolios is just making sure we're assuring the sectors to get the growth side of things with avoiding the biggest risk, which is a full wipeout. The flip side, though, is because we're going like a passive approach with your portfolio, the aim of the game and and it may seem very strange, and you're probably gonna be like, tell me why the hell would you do this. But, basically, you expect every seven years to be growth crash crash. And with the index funds, we basically use them as buying opportunities. So contributions keep going in. Every time the market dips, we can buy into it to buy more shares of property, more companies, more buildings for a cheaper price and just repeat that growth and crash cycle until you close to retirement. That's, I guess, the conventional wisdom. Now having reached all of the different, you know, GFC, hyperinflation scenarios, AI, all that kind of I still do believe that that approach works very, very well. Like you said, low fees tend to just play out well long term. And sticking to a market for years in growth assets, generally speaking, if you've diversified enough, property shares, you're gonna get the growth compared to sitting all your money in the bank. And what I'm basically saying is we're not trying to time the market because these things could happen over the span of two weeks, two months, or two years. And it was hard enough to time the market beforehand, but now it's basically impossible. So we're basically playing long term averages. And then when we do our investment committee reviews and we meet with fund managers, we basically check to make sure and stress test the portfolios to make sure whatever economic cycle happens outside that we can still capture whatever's growing at the time. Now I know I just went into, again, five different things, one, two, three, four, five, but does that kind of make sense? Volatility, long term, buy the dip with low fees, and watch out for the bubbles. Yeah. Okay. I'll note that down, and I'll include it in the research. In. Done. So main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure. And generally speaking, I do have to ask, are you still okay with the the high growth profile? So when you're in high growth, you're 90% growth, that's or above. That's basically putting it all on the table, and the main risk reduction there is the diversification, the different sectors, the different asset types, not having turned upon defensive assets to offset the market crashing. A hedge. And generally speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful. There are those scenarios that have happened where both the fixed interest markets and bonds go run at the same time as the growth So like you were saying, everything's going up at the same time. There is that possibility that they all go down at the same time, and then you see a balanced fund seventy thirty going down to the same degree as a full 100% growth portfolio as well. So it doesn't mean that just because we shade you down a risk profile that we're avoiding all risks. Yeah. And big changes ahead. I've been basically waiting for certain things to, I guess, crash since 2012, keeping an eye on different, you know, property markets and bubbles and things like that. And the painful part is even if you can see the huge risks and even if it's basically going to happen, when it's gonna happen is such a big question, whereas you think it's a you know, they increase interest rates in the property market, and then they went from 0% all the way up to six, and it still hasn't exploded yet. So those things can happen. I'd rather just for people super in general, like you said before, is you keep it as steady a ship as possible with the highest chance of hitting your goal as possible. And if we were doing some personal investments over five, ten years, we can have a little bit more of a play around, a little bit more short term thinking. But for this one, it's basically try and get the highest return to better everybody else in the same scenarios. And if the world changes, to kind of adapt with it. Cool. I'll basically get Michelle to book you in a couple of just to go through the updated portfolio, make happy with it before we change anything, and any tweaks and things like that. But, basically, I'm just gonna through a few models that we've got, see if there's a better fit, and then I'll take into account the specific requests as well in terms of the gold to get that bumped up as well without the portfolio. Cool. Any other considerations or anything that you can think of at the moment? Cool. So basically, it picks up the portfolio, leave the insurances alone for the time being, let you go through all cash flow and debt goals as you see them. We'll touch base if that changes and, you know, if you expand your family and so on. And the last thing is just in terms of estate planning. I had a note there that you did actually put a will in place. Right. Now when you put that in place, do you remember putting in place a power of attorney? It's kinda that one where you're in hospital, someone connect on your behalf, doctors, access bank accounts, things like that. Yep. Okay. And for the fisheries, I do actually see there's no fishery on the super, and I will have to just Fair enough. Yeah. Is it easier to kind of email through to print out, get a witness, or if I just post to you with a return envelope. What's easier? It'll keep it kind of front setter and quick to act, and then you don't have to worry about, oh, look. I'll I'll print that out tonight and you forget. Yeah. I'll someone to start. Yeah. Cool. For the beneficiaries themselves, would it be helpful if I got someone to sort of prefill everything? So you just basically have to get it signed and Cool. So in terms of nominee, I don't wanna make any assumptions, but would you like to nominate for the super and if required, the life insurance? Yep. We have Sarah. Same same. Are you okay if I jot down her date of birth to put on the form? No. That's alright. Nineteen nineties of April. Sarah Hampshire. I might just have an oh, I don't wanna stretch it too much, mate, but middle name, if you if you know off the top of your head. F r a c I s. And the same, I'm assuming. Same address for residential. Yep. And these are sometimes they can be silly questions, but you've got two options for the non type. You've got legally binding or not legally binding where the super fund has discretion. You've also got whether it lapses on them. Legally binding is usually the way to go. Still strange they offer that option and lapsing. Beautiful. 100% non lapsing binding. You're just gonna get it with by two people who aren't the beneficiary on the same date, and you should be sweet. Cool. So I do appreciate you taking the time on the holiday to dive into the weeds of eating super and economies with me. Got no. I don't this at all. This is what I love to do. So whenever I get someone who's actually interested enough to dive into me, I take that chance because most people in Australia just go sort it out for me, mate, and that's it. And look, can I say without being offensive that generally speaking, every time I see engineer, I see some who plans things? And every time I look at the goals, you've got in-depth goals stepped out. One, two, three, four, five, short, medium, long term. And I generally expect to get into investment discussions, and they've kind of almost look looking for two calls, I guess I would say. So quick recap. Beneficiaries, leave the insurance, update the portfolio, no salary sacrifice, but your goals updated there as well. And anything investment related, that will be in the future possibly. Any other area questions on your end? Personal investments that are identical platform. So, again, you're held in your personal name versus super, so the is the different, but they're the exact same product. So Hub has three menus, Discover, Core, and Choice. You're in the Choice menu that has all the extra investment options and features, and they do offer them personally as well. You basically have the same login. I do that often. You've just gotta be careful in terms of because Hub's a wrap platform. They've got the most options. They've got the most features. They tend to be higher cost. So they're not really good for someone who's under a 100,000. You can start off in the lower menus when you're at about 50. I have built a couple of portfolios for people to start off with 20. But anything at, like, 20 and below mark, you might in a different provider until you build it up. Yeah. And the main thing is, are we doing a one off lump sum investment, or are we doing, like, an investment plan where we dollar cost average x amount per week or month? That's a a big thing as well when choosing platforms. Yeah. Entry fee, brokerage fees. Some of them are good for the one offs, some are good for the regular, and some good for lower or higher balance as well. Yep. And what we basically do is we go through an up good risk profile discussion just on the personal side of things in terms of what time frame you need to invest in, and we'll go a bit for into investment styles that might suit the personal goals. What are you it for time frames? You know, is it to supplement an earlier retirement? So or is it just grow some wealth in the background, or is it even investments for children, you know, child homes and things like that? So I'll get the portfolio fixed up first, and then we can kind of tee up a bit of a time to go through a bit more depth, if that's alright. Aside of that, the last thing I was gonna mention just before I go is just in terms of email addresses. So your account is linked to RPS Consulting on Hub four. Now are you okay if that one to be, like, the main driving email address between Hub twenty four and your Yep. I yeah. I wish I wish we have all that control on our system for when we reach out to you and so on. Hub 24 is just locked into one, so any documentation we send them has to be signed by that email address. Yep. Cool. So what we'll do is just in terms of that review pack, I'll resend that through to RPS Consulting just so it matches up because we do require consent to remain advisers and so on, and they wouldn't accept DocuSign from the other email address. And then we'll get you booked in for the the updated plan, go through that one, and then we'll have that chat about the investments. So just to kind of cap off those documents that you've got there, we have an updated service guide. So it won't you right now, but please bear in mind the consent form to remain a client review. We charge 1.65% spread through the year, and then you get a 15% rebate off of that. We are putting in place a tiered fee structure. So everybody above 200 down, the percentage will reduce, and then above 500,000, it'll reduce further as well. Cool. There is yeah. The other last one is the there's a bit of a lost super there. I know it's probably a bit redundant, but we do for every client just do a one off ping to the government database to see if there's any other holding funds floating around under their name. So if you're comfortable with, we've even included that in the doc pack as well. Correct. So that just brings open the documents. I'll actually caution you not to sign it Gmail address because we wouldn't even be able to submit the documents to Hub unless it's under RPS Consulting. So I'll resend the pack through to that email address. The only two documents to sign if comfortable is the service statement and the lost super search. And then when we have the updated advice plan, there'll be an authority on that before we can change investments. Cool. Alrighty. Any questions for me before I let you Tell me. No worries at all, John. Mate, pleasure speaking with you, and thank you so much for taking an hour out of your holiday. We will basically reach out in a couple of weeks' time, and I look showing you what we come up with for the portfolio. Awesome. Have a great day. 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afternoon, Jonathan. It's Tommy here from. How are you doing? Living the dream. So it's a beautiful day on the Gold Coast, and the dog his dog in the boss has brought his dog in, to be honest.\n\nMate, I've just got you here for an annual review. I'm just getting through a quick security check with you and send through a pack to you. Can I please confirm your date of birth and address? Sensational. Thank you for that.\n\nAnd I'm ready with our speaker's adviser 1273105. Mate, I've got your email address listed here. File was the RPS consulting one. Will you have a look onto that email with me today? Yeah.\n\nAbsolutely. Let me just switch it around a little. And, basically, what I'll do today is gonna update a few details because we have a new system in overview. And I don't believe I've spoken with you before. I'm the new senior adviser here.\n\nSo I'm basically just gonna recap your goals, go through some strategies with you. And I do see some notes there that you wanted to talk about your investments. I believe that's the main thing. Anything else? Yeah.\n\nSo I've saw a note there that you talk about the investments for the super. Just wondering if there's anything else in particular for this review. Perfect. Alright. So I'm just gonna put that here.\n\nJust bear with me for two minutes, mate. Here. I've got Gmail address there as well. So that's the main one to send it through for today. Thanks, mate.\n\nAlright. That should pop through pretty quickly. If it is the first time using your system, it may go to your spam folder, but that usually does come through in about thirty seconds or so. Now perfect. So you can bring that one up.\n\nThere's a purple sign button. It just brings open the documents per peruse together today. Main thing I wanted to look at at this point is just in terms of changes in your circumstance and your So just let me know if this sounds correct. We've got you here wanting to basically grow your super as much as possible. You had a bit of an insurance fix up there to begin with.\n\nEstate planning was put in place, but you had a priority for a couple of years to kind of your savings cash buffer, eventually pay down the home, do a bit of travel, and possibly purchase another home that you might convert into, like, an Airbnb. Does that sound okay? K. Anything in particular for you guys, say, one to three years that I need to factor into the advice? Yeah.\n\nI've just had my first myself. So you're currently married with Sarah, and you've got one child at the amazing. And we have you here as a project manager slash engineer for RPS. And I think we had you on about a 160,000. Has that changed much when you your tax return this year?\n\nYep. Perfect. So in any updated projections or anything like that, I could base it on those contributions. And do you have any thought towards, you know sorry? I was just wanting to check-in terms of the contributions I can base the projections and advice on.\n\nI'll put in there the contributions you're putting in. What are you looking to do any kind of salary sacrifice or anything this year, or you've enough kind of cash flow priorities at the moment? Right. Perfect. And are you did you get a chance to get a benefit from some of the subsidies in terms of the the tax changes on that one?\n\nI know you've got it in just the cutoff date. Would you have purchased that last or this year? Oh, right. Perfect time for that. I think they said the change is set for, I think, April, that they'll remove some of those benefits, So no timing there.\n\nBeautiful. Yes. Alrighty. Now I've got your hosted as well. I'll do a quick updated online valuation for your property value.\n\nBut in terms of the mortgage there, I think we had about three owing at the time. I'm just doing a search for the value at the moment, but I was just wondering around the mortgage. We had it at 320,000. Property value online is coming up as around 480,000. Does that sound about right to you, or is that a bit low?\n\nYeah. Absolutely. $104.80 for the time being. Just keep it conservative. Is that alright?\n\n$333.24. Perfect. And last, assets and liabilities, we had cars there, but I did note the electric vehicle on the Novated lease and just a credit card there. No other loans or assets, shares or crypto? Perfect.\n\nLast couple of details to update, and then I can dive in with you, is just in terms of savings. Do you tend to build up savings in an offset account or a savings account? Perfect. Do you have an approximate balance to note down just for the time being? Perfect.\n\nThey have changed some anti money law laws at the moment, so we're just asking a couple extra questions here. In terms of insolvency, have you ever gone through any bankruptcy or part nine agreements and not a member of a tax jurisdiction? Perfect. Awesome. So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning.\n\nThere was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you? Yep. We can always have a discussion around investments inside the super and options that may be available for you personally as well. I do know that your your hub fund does offer, like, investment accounts. So you can have, for example, an investment account inside your super, you can invest in all the same kinds of managed funds and ETFs and things like that.\n\nCool. If you have a look at that email there, the documents have popped up, and you can usually click the next commit button to cycle through them or just scroll through the documents with me. And the first I can see there is a summary of the superintendents. You should see your hub account and the Clearview policy. It's got a bit of an oak view letterhead on it.\n\nSo hub is platform for the super and Clearview, the insurer that we're currently using. Correct. So life insurance, 1.4 mil if you away. TPD is permanent disablement. So that's another lump sum.\n\nAgain, clear the debts, replace the lost income. Income protection is your temporary disability. So if you're out of work for more than the thirty day waiting period, it'll kick in a monthly benefit for up to five years. I'm kind of taking a look here just at the the amount because it is percentage based. Thirty day waiting period, five year benefit.\n\nNow bear in mind, the monthly benefit, that is the gross. It's before tax. So what I basically do here is I just have a look at that monthly benefit. We look at when the policy was put in force, which was 2023. So we've got eight seven one four.\n\nIt's a 70%. It's protecting income of about a 150,000. It'll probably still get you just shy of 2,000 a week in hand off tax. Do you think that would still kind of cover you guys, you know, to keep the mortgage paid and things like that, or does it seem low? Yeah.\n\nSo it counts and injury. So it's anything based outside of work because most of the times work would be covered by, like, work cover. Income protection can pop it up, but it's any illness or injuries that put you out of work for more than a month. And I'm just looking at the premiums there. So $25.09 comes out of the super.\n\nYou do get a 15% tax rebate for being paid super, so it drops it under $2. I see here that because of the engineering side of things, you've got a really good occupation rating. Pretty much one of the best occupate ratings you can get for pricing. I think the only thing above would be like a lawyer. Now if at any point that kind of skyrockets in because since you've, you know, late thirties, not too bad now, but once you hit forward, it's step, then it will go up with your age.\n\nSo what will tend to happen in your forties is it'll jump up $3.04, $5,000. And then once you hit your late fees, it can go all the way up to 7,000, 10,000, 15,000. So the aim of the game is to kind of reduce the cover down as you pay off the mortgage because, essentially, you've got less things that you need to cover for, especially when there's years to cover, less liabilities. So there's a bit of balancing act that we do to keep it trimmed down. And if we need to, we can shop around for other providers as well.\n\nI guess the last question I've got just for insurance side of things is the point four mil for the life insurance. That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income. Do you feel like that income of the income protection is okay in that scenario? So if you were to pass away, home loan's paid off, they've got that lump sum there. Does that sense like they'd be able to get back on their feet kind of thing?\n\nK. So I'll keep that one as is for the time being. Now on the email that you there, there should be a next document budget to bring open for your hub 24 performance table. Now it's a big blue one there. I know sometimes it can be a bit blurry on these type of programs.\n\nCan you make out any of the the names and is all the writing clear enough to look at? Cool. I'll point out a couple of key points here that I've been looking at before the review as well. For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio. So the majority of is in your growth assets like shares, property, and.\n\nYou have very little in defensive assets to try and get those higher long term returns. Does that make sense? Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and it's cleared about five for the year. I do see here the account. Overall, your account's done on a balance standpoint just because the contributions have been fantastic.\n\nSo you came on board. You've gone from 50,000 to a 116. If you recall, you've had a bit of a dip in 2025 when markets went down. And then again, we had a dip at the start of this year where it went from, like, a 106 down to about 98, and then it back up again. Now two sort of concern that I can see is the Benelong Australian shares option.\n\nAnything that you see on the right hand side for the percentage returns, if it's bracket, it means it's a negative, and anything that doesn't have a bracket is a positive return. And, basically, I've I've had a lot of exposure to all of the funds that you've currently got before I came to Oakview. I've been doing this for about twelve years now, and Spenalong was kind of on a lot of people radar last year. And, basically, when I came to Oakview had a pretty recently with the investment committee to look at alternatives for that option. And I was probably coming into this meeting wanting to look at a replacement part.\n\nNow across the rest of the portfolio, everything is looking pretty good in terms of behaving the way I would expect it to. So the gold being up 24%, that tracks the gold market. That's fantastic. The international shares are doing really well. They're tracking their areas very well, Pretty diversified in terms of health care, different sectors.\n\nCybersecurity is gonna be a bit of an issue going forward. The other one I'd like to look at is the bank hybrids. It's the section on the list. The government is actually phasing that type of term deposit out over the next couple of years. So I wanna just kind of take the opportunity to update that as well as underperforming option.\n\nIs that okay? There's a couple of options in terms of style. So when it talks to, like, Hub as a plat it's got the most investments in the industry. So we've got about 1,300 options there, plus everything listed on the stock exchange. So I can pretty much pick any option within any file to replace it with, but you've got two main sort of categories.\n\nYou've got your low fees of options that follow the market very closely, or you can continue in that kind of active space where you pay a bit higher investment fee to try and get a higher return in the market. I guess the question I really wanna ask you, because I will make a recommendation, is between those two styles, which one do you lean more towards on a gut feeling? Yeah. So the percentage based fee. So when we look at each option individually, we basically this is the investment fee.\n\nThis is the returns. What's the returns net of fees? And is it performing in line with the objective? Which for this one would be outperforming the Australian market, which is not currently I do have options that are outperforming the Aussie market, but I also have straight up index ETFs, which would heavily reduce the investment fees and get it straight back on track with the Aussie market. Easy done.\n\nSo I'll look through actually, most of the providers you've got there are the low fee ETFs, the the beta shares, and the iShares. They're pretty alongside the Vanguard. So the kind of main two two fund managers that offer index ETFs. So I'm gonna have a bit of a a tweak there. Now overall, in terms of long term side of things, so I mentioned before, you need to hit that kind of 10% benchmark.\n\nThis portfolio itself is still clearing but it does have a couple issues that I think oh, yeah. Sorry. Can you hear me now? So what I was saying was in terms of the benchmark, the portfolio is still clearing at 13% per annum long term, but that doesn't mean that it doesn't have that issue that needs to be addressed right now. Correct.\n\nSo that's total portfolio on the second page. And with the high growth, so I was saying good years, you want to be getting ten, twenty, 30%. Yes. You're gonna have that back every seven where it does kind of 20%. But Yeah.\n\nAnd when I compare it to kind of where you were before with the rest option, they definitely done a little bit better for the last twelve months. Three years wise, they're they're kind of still a bit low, 7%, 9% for their balance and growth options, which is below what you're aiming for. So, yeah. Just talking in terms of net returns after. So I think the main thing is get it back on track to where it should be.\n\nThe Benelon option in itself, I think what ended up happening there was that they made a few bad investments. And when those investments written down, there's a bit of a news article about it that we had a few people leave the fund recently. So that's why we've kind of flagged that. I don't think it's one of those options where you just wait twelve months for it to come back now. It's gotten to a point that it has to be fixed, and that's the only reason why it's below that percent for this year.\n\nCool. Yeah. One of the little tricks I'll do for this one is any type of funds that in a negative, we can use that to offset any gains for the other options if we wanna update a few options within the portfolio, and that'll reduce the impact heavily. So any capital gains I switch out will kind of mitigate the tax that Uber would pay under the hood. So I'll do that to just make sure it's not oh, sorry.\n\nSo, you know, if you had, like, a couple of investment fees and you sold one for a gain and one for a loss, they would offset each other in terms of paying capital gains tax. So it kind of gives me an opportunity to update some of the other options for essentially free to get the loss that was occurred with Benelon. So in terms of the switch, so I'll look at for Benelon, the bank hybrids. There's probably a few other options we might look to mix in as well, whether that's electric vehicles, things that are pretty popular and looking good long term. I can kind of use that to sort of buy in for free to get those sectors.\n\nThat sound okay? So with India, that's an interesting one. So that's more of a a long term macroeconomic play. I know a lot of firms have been doing that the last two years because of the switch from, like, China to India for manufacturing. So when those countries get the manufacturing across and the GDP grows, that's when you expect to get the gains out of those companies.\n\nSo it's one of those ones where it's kind of like a five to seven year, if not longer, investment, which is why there's only a portion in that one. I don't have much concern for that one, but if it is something that you're like, look, I really don't want any single option to the negative like that, I can update that too. But, again, that was more like a five year thing. No. That's totally fine.\n\nSo when you're in the stock market or, you know, Comsec account, you buy some shares, an ETF is basically just a collection of shares where they just wrap a bubble around it. For example, the S and P. Sorry? The fund manager packages it, and then it gets listed on the stock exchange, and then you purchase through whichever brokerage firm you use or whichever plat. Correct.\n\nThat's one of the main reasons why you're in 24 platform besides the amount of options they is they do this thing called aggregated bidding as a feature. So if anyone is buying what you're selling or selling what you're buying, you can essentially trade the parcels and you won't get charged fees for it. Just a way to kind of reduce the broke the impact on your super. I've seen a couple of clients since I've come to Oakview that it's gone down about 80% brokerage fees, which is brilliant. But, basically, most of those there, once you purchase them, investment fee range for them is from about 0.04% to about 0.6, whereas the the is, like, above 1% for an investment fee.\n\nK? So I think that passive approach probably works for you. Perfect. Alrighty. I'll have a look at that.\n\nTweet it from here. What I'll do is put together the comparisons, the updated advice document, updated projections, and then I'll get you booked in to go through those with me, And then we can kind of see if you're comfortable before I make those changes. Let me have a look. It's on the dashboard there. Do you usually log in to your at all on the phone or computer?\n\nWould you like me to your, like, login reset while I have a chance? I'm pretty familiar with the old hub. I would suggest your website's a bit better than the app. Now your exposure, 10 and a half percent. Usually, I think we look at around seven to 10 depending on the portfolio.\n\nThere's a few model portfolios to use, and that's kind of a we never usually do more than 10% in an alternative satellite option. So your main one is like your your American shares, your Australian shares, your S and P, your ASX. The ones like Golden Cybersecurity, those satellites usually run between five to 10%. And you're sitting at 7.4. Yeah.\n\nEmail address usually works. I'm just gonna hop on to the account details because sometimes it'll me the actual sort of username on that. We've got login status active. The email address does work, but you've got the login ID. If you'd like to note it down, I've got it in front of me.\n\n13672762. And it's yep. Correct. And it's linked to your mobile number ending in 030 for multifactor authentication Text message. And then it's 2762.\n\nI know Hubs usually good for the the text message rather than the authenticator apps for that one. Jonathan, just while you're going through that login process, I was just gonna ask you a quick question around the retirement side of things. Do you have a second? Yeah. So you've just opened up five topics in my mind just then.\n\nI'll try and keep it succinct. I'll take you through three main points to begin with. So the outlook for the rest of this year and next year is just volatility, which basically just means the movements are sharper and quicker. So every week, every month, the market's moving higher and lower at a higher percentage than it normally would in the usual seven year cycle where it just slowly creeps and then crashes. Besides the wars, economic issues, inflation, property markets around the world, AI bubble, that kind of thing, that's five contributing Inside that as well, those indexes that you're looking at, the S and P 500 for Africa, the ASX 200 for Australia, those are the largest companies in that country.\n\nSo as those changes happen, there's gonna be companies coming into that index because they've grown massively in size, and then other ones popping out there. And they're all different industries and different things like that. So from the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form. Whereas Australia has been very stable for a long time of The biggest companies are pretty much the banks and the miners with a few other guys mixed in, Coles, Woolies, things like that. So my first point is that volatility is gonna remain high.\n\nGenerally speaking, I'm still expecting some pretty decent growth throughout the end of the year and next year. The AI bubble, last time we went a bit of a a seminar to talk to fund managers, people are talking about anything from a four times boost in the the hyperscaler companies or up to 4,000 times, you know, if you think that SpaceX and the like will kind of get us to that type of scale of things. So, basically, what's happening through most of the funds is people wanna make sure they've got enough exposure to those companies so they can capture the growth. That's things like a Nasdaq and tech stocks without piling all of your money and all of your super into one sector, where if that then bursts, it takes your entire fund down 80%, and you're sitting there with $20,000 next year. So most of the moves that we're doing with these portfolios is just making sure we're assuring the sectors to get the growth side of things with avoiding the biggest risk, which is a full wipeout.\n\nThe flip side, though, is because we're going like a passive approach with your portfolio, the aim of the game and and it may seem very strange, and you're probably gonna be like, tell me why the hell would you do this. But, basically, you expect every seven years to be growth crash crash. And with the index funds, we basically use them as buying opportunities. So contributions keep going in. Every time the market dips, we can buy into it to buy more shares of property, more companies, more buildings for a cheaper price and just repeat that growth and crash cycle until you close to retirement.\n\nThat's, I guess, the conventional wisdom. Now having reached all of the different, you know, GFC, hyperinflation scenarios, AI, all that kind of I still do believe that that approach works very, very well. Like you said, low fees tend to just play out well long term. And sticking to a market for years in growth assets, generally speaking, if you've diversified enough, property shares, you're gonna get the growth compared to sitting all your money in the bank. And what I'm basically saying is we're not trying to time the market because these things could happen over the span of two weeks, two months, or two years.\n\nAnd it was hard enough to time the market beforehand, but now it's basically impossible. So we're basically playing long term averages. And then when we do our investment committee reviews and we meet with fund managers, we basically check to make sure and stress test the portfolios to make sure whatever economic cycle happens outside that we can still capture whatever's growing at the time. Now I know I just went into, again, five different things, one, two, three, four, five, but does that kind of make sense? Volatility, long term, buy the dip with low fees, and watch out for the bubbles.\n\nYeah. Okay. I'll note that down, and I'll include it in the research. In. Done.\n\nSo main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure. And generally speaking, I do have to ask, are you still okay with the the high growth profile? So when you're in high growth, you're 90% growth, that's or above. That's basically putting it all on the table, and the main risk reduction there is the diversification, the different sectors, the different asset types, not having turned upon defensive assets to offset the market crashing. A hedge.\n\nAnd generally speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful. There are those scenarios that have happened where both the fixed interest markets and bonds go run at the same time as the growth So like you were saying, everything's going up at the same time. There is that possibility that they all go down at the same time, and then you see a balanced fund seventy thirty going down to the same degree as a full 100% growth portfolio as well. So it doesn't mean that just because we shade you down a risk profile that we're avoiding all risks. Yeah.\n\nAnd big changes ahead. I've been basically waiting for certain things to, I guess, crash since 2012, keeping an eye on different, you know, property markets and bubbles and things like that. And the painful part is even if you can see the huge risks and even if it's basically going to happen, when it's gonna happen is such a big question, whereas you think it's a you know, they increase interest rates in the property market, and then they went from 0% all the way up to six, and it still hasn't exploded yet. So those things can happen. I'd rather just for people super in general, like you said before, is you keep it as steady a ship as possible with the highest chance of hitting your goal as possible.\n\nAnd if we were doing some personal investments over five, ten years, we can have a little bit more of a play around, a little bit more short term thinking. But for this one, it's basically try and get the highest return to better everybody else in the same scenarios. And if the world changes, to kind of adapt with it. Cool. I'll basically get Michelle to book you in a couple of just to go through the updated portfolio, make happy with it before we change anything, and any tweaks and things like that.\n\nBut, basically, I'm just gonna through a few models that we've got, see if there's a better fit, and then I'll take into account the specific requests as well in terms of the gold to get that bumped up as well without the portfolio. Cool. Any other considerations or anything that you can think of at the moment? Cool. So basically, it picks up the portfolio, leave the insurances alone for the time being, let you go through all cash flow and debt goals as you see them.\n\nWe'll touch base if that changes and, you know, if you expand your family and so on. And the last thing is just in terms of estate planning. I had a note there that you did actually put a will in place. Right. Now when you put that in place, do you remember putting in place a power of attorney?\n\nIt's kinda that one where you're in hospital, someone connect on your behalf, doctors, access bank accounts, things like that. Yep. Okay. And for the fisheries, I do actually see there's no fishery on the super, and I will have to just Fair enough. Yeah.\n\nIs it easier to kind of email through to print out, get a witness, or if I just post to you with a return envelope. What's easier? It'll keep it kind of front setter and quick to act, and then you don't have to worry about, oh, look. I'll I'll print that out tonight and you forget. Yeah.\n\nI'll someone to start. Yeah. Cool. For the beneficiaries themselves, would it be helpful if I got someone to sort of prefill everything? So you just basically have to get it signed and Cool.\n\nSo in terms of nominee, I don't wanna make any assumptions, but would you like to nominate for the super and if required, the life insurance? Yep. We have Sarah. Same same. Are you okay if I jot down her date of birth to put on the form?\n\nNo. That's alright. Nineteen nineties of April. Sarah Hampshire. I might just have an oh, I don't wanna stretch it too much, mate, but middle name, if you if you know off the top of your head.\n\nF r a c I s. And the same, I'm assuming. Same address for residential. Yep. And these are sometimes they can be silly questions, but you've got two options for the non type.\n\nYou've got legally binding or not legally binding where the super fund has discretion. You've also got whether it lapses on them. Legally binding is usually the way to go. Still strange they offer that option and lapsing. Beautiful.\n\n100% non lapsing binding. You're just gonna get it with by two people who aren't the beneficiary on the same date, and you should be sweet. Cool. So I do appreciate you taking the time on the holiday to dive into the weeds of eating super and economies with me. Got no.\n\nI don't this at all. This is what I love to do. So whenever I get someone who's actually interested enough to dive into me, I take that chance because most people in Australia just go sort it out for me, mate, and that's it. And look, can I say without being offensive that generally speaking, every time I see engineer, I see some who plans things? And every time I look at the goals, you've got in-depth goals stepped out.\n\nOne, two, three, four, five, short, medium, long term. And I generally expect to get into investment discussions, and they've kind of almost look looking for two calls, I guess I would say. So quick recap. Beneficiaries, leave the insurance, update the portfolio, no salary sacrifice, but your goals updated there as well. And anything investment related, that will be in the future possibly.\n\nAny other area questions on your end? Personal investments that are identical platform. So, again, you're held in your personal name versus super, so the is the different, but they're the exact same product. So Hub has three menus, Discover, Core, and Choice. You're in the Choice menu that has all the extra investment options and features, and they do offer them personally as well.\n\nYou basically have the same login. I do that often. You've just gotta be careful in terms of because Hub's a wrap platform. They've got the most options. They've got the most features.\n\nThey tend to be higher cost. So they're not really good for someone who's under a 100,000. You can start off in the lower menus when you're at about 50. I have built a couple of portfolios for people to start off with 20. But anything at, like, 20 and below mark, you might in a different provider until you build it up.\n\nYeah. And the main thing is, are we doing a one off lump sum investment, or are we doing, like, an investment plan where we dollar cost average x amount per week or month? That's a a big thing as well when choosing platforms. Yeah. Entry fee, brokerage fees.\n\nSome of them are good for the one offs, some are good for the regular, and some good for lower or higher balance as well. Yep. And what we basically do is we go through an up good risk profile discussion just on the personal side of things in terms of what time frame you need to invest in, and we'll go a bit for into investment styles that might suit the personal goals. What are you it for time frames? You know, is it to supplement an earlier retirement?\n\nSo or is it just grow some wealth in the background, or is it even investments for children, you know, child homes and things like that? So I'll get the portfolio fixed up first, and then we can kind of tee up a bit of a time to go through a bit more depth, if that's alright. Aside of that, the last thing I was gonna mention just before I go is just in terms of email addresses. So your account is linked to RPS Consulting on Hub four. Now are you okay if that one to be, like, the main driving email address between Hub twenty four and your Yep.\n\nI yeah. I wish I wish we have all that control on our system for when we reach out to you and so on. Hub 24 is just locked into one, so any documentation we send them has to be signed by that email address. Yep. Cool.\n\nSo what we'll do is just in terms of that review pack, I'll resend that through to RPS Consulting just so it matches up because we do require consent to remain advisers and so on, and they wouldn't accept DocuSign from the other email address. And then we'll get you booked in for the the updated plan, go through that one, and then we'll have that chat about the investments. So just to kind of cap off those documents that you've got there, we have an updated service guide. So it won't you right now, but please bear in mind the consent form to remain a client review. We charge 1.65% spread through the year, and then you get a 15% rebate off of that.\n\nWe are putting in place a tiered fee structure. So everybody above 200 down, the percentage will reduce, and then above 500,000, it'll reduce further as well. Cool. There is yeah. The other last one is the there's a bit of a lost super there.\n\nI know it's probably a bit redundant, but we do for every client just do a one off ping to the government database to see if there's any other holding funds floating around under their name. So if you're comfortable with, we've even included that in the doc pack as well. Correct. So that just brings open the documents. I'll actually caution you not to sign it Gmail address because we wouldn't even be able to submit the documents to Hub unless it's under RPS Consulting.\n\nSo I'll resend the pack through to that email address. The only two documents to sign if comfortable is the service statement and the lost super search. And then when we have the updated advice plan, there'll be an authority on that before we can change investments. Cool. Alrighty.\n\nAny questions for me before I let you Tell me. No worries at all, John. Mate, pleasure speaking with you, and thank you so much for taking an hour out of your holiday. We will basically reach out in a couple of weeks' time, and I look showing you what we come up with for the portfolio. Awesome.\n\nHave a great day. Cheers.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jonathan.","start":4.0,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2662256360054016},{"text":"It's Tommy here from.","start":5.2799997,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.2633405067026615},{"text":"How are you doing?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.3047010526061058},{"text":"Living the dream.","start":9.92,"end":10.719999,"sentiment":"positive","sentiment_score":0.43636616071065265},{"text":"So it's a beautiful day on the Gold Coast, and the dog his dog in the boss has brought his dog in, to be honest.","start":10.719999,"end":17.005,"sentiment":"positive","sentiment_score":0.41700811207294464}],"sentiment":"positive","sentiment_score":0.3796190879283807,"num_words":39,"start":4.0,"end":17.005},{"sentences":[{"text":"Mate, I've just got you here for an annual review.","start":19.064999,"end":21.404999,"sentiment":"neutral","sentiment_score":0.020251167006790638},{"text":"I'm just getting through a quick security check with you and send through a pack to you.","start":21.865,"end":27.164999,"sentiment":"neutral","sentiment_score":0.0438964583856218},{"text":"Can I please confirm your date of birth and address?","start":27.785,"end":30.33,"sentiment":"neutral","sentiment_score":0.017428311798721553},{"text":"Sensational.","start":39.29,"end":39.79,"sentiment":"neutral","sentiment_score":0.0654863640666008},{"text":"Thank you for that.","start":39.93,"end":40.489998,"sentiment":"positive","sentiment_score":0.423795185983181}],"sentiment":"neutral","sentiment_score":0.06865956401452422,"num_words":42,"start":19.064999,"end":40.489998},{"sentences":[{"text":"And I'm ready with our speaker's adviser 1273105.","start":40.489998,"end":44.025,"sentiment":"neutral","sentiment_score":0.21054702438414097},{"text":"Mate, I've got your email address listed here.","start":44.185,"end":46.845,"sentiment":"neutral","sentiment_score":0.03971125418320298},{"text":"File was the RPS consulting one.","start":47.225002,"end":49.465,"sentiment":"neutral","sentiment_score":0.034740506360928215},{"text":"Will you have a look onto that email with me today?","start":49.465,"end":51.645,"sentiment":"neutral","sentiment_score":0.038354088298299095},{"text":"Yeah.","start":65.04,"end":65.44,"sentiment":"neutral","sentiment_score":0.015539654530584812}],"sentiment":"neutral","sentiment_score":0.07788070272106458,"num_words":34,"start":40.489998,"end":65.44},{"sentences":[{"text":"Absolutely.","start":65.44,"end":65.94,"sentiment":"neutral","sentiment_score":0.05899742990732193},{"text":"Let me just switch it around a little.","start":66.0,"end":68.505,"sentiment":"neutral","sentiment_score":0.05714998207986355},{"text":"And, basically, what I'll do today is gonna update a few details because we have a new system in overview.","start":69.384995,"end":74.204994,"sentiment":"neutral","sentiment_score":0.06109626218676567},{"text":"And I don't believe I've spoken with you before.","start":74.585,"end":77.145,"sentiment":"neutral","sentiment_score":-0.09977942084272702},{"text":"I'm the new senior adviser here.","start":77.145,"end":78.744995,"sentiment":"neutral","sentiment_score":0.026174270858367283}],"sentiment":"neutral","sentiment_score":0.022662576541981914,"num_words":44,"start":65.44,"end":78.744995},{"sentences":[{"text":"So I'm basically just gonna recap your goals, go through some strategies with you.","start":78.744995,"end":84.06,"sentiment":"neutral","sentiment_score":0.0965700386358159},{"text":"And I do see some notes there that you wanted to talk about your investments.","start":84.200005,"end":87.16,"sentiment":"neutral","sentiment_score":0.06108558277289073},{"text":"I believe that's the main thing.","start":87.16,"end":88.86,"sentiment":"neutral","sentiment_score":0.03369941127796968},{"text":"Anything else?","start":89.4,"end":90.3,"sentiment":"neutral","sentiment_score":0.01264969538897276},{"text":"Yeah.","start":93.4,"end":93.8,"sentiment":"neutral","sentiment_score":0.021709468215703964}],"sentiment":"neutral","sentiment_score":0.06624920024095397,"num_words":38,"start":78.744995,"end":93.8},{"sentences":[{"text":"So I've saw a note there that you talk about the investments for the super.","start":93.8,"end":97.66,"sentiment":"neutral","sentiment_score":0.03620012427369754},{"text":"Just wondering if there's anything else in particular for this review.","start":97.775,"end":100.435,"sentiment":"neutral","sentiment_score":0.014831330119208857},{"text":"Perfect.","start":106.735,"end":107.235,"sentiment":"neutral","sentiment_score":0.2454323172569275},{"text":"Alright.","start":107.854996,"end":108.255,"sentiment":"neutral","sentiment_score":0.16283473372459412},{"text":"So I'm just gonna put that here.","start":108.255,"end":109.77,"sentiment":"neutral","sentiment_score":0.11664008774927684}],"sentiment":"neutral","sentiment_score":0.055168404589806284,"num_words":35,"start":93.8,"end":109.77},{"sentences":[{"text":"Just bear with me for two minutes, mate.","start":110.89,"end":112.909996,"sentiment":"neutral","sentiment_score":0.0870157522149384},{"text":"Here.","start":122.17,"end":122.49,"sentiment":"neutral","sentiment_score":0.05537758767604828},{"text":"I've got Gmail address there as well.","start":122.49,"end":124.195,"sentiment":"neutral","sentiment_score":0.06220852051462446},{"text":"So that's the main one to send it through for today.","start":124.195,"end":126.534996,"sentiment":"neutral","sentiment_score":0.07426097989082336},{"text":"Thanks, mate.","start":128.355,"end":129.175,"sentiment":"neutral","sentiment_score":0.21711404621601105}],"sentiment":"neutral","sentiment_score":0.08407110759410365,"num_words":29,"start":110.89,"end":129.175},{"sentences":[{"text":"Alright.","start":132.675,"end":133.075,"sentiment":"neutral","sentiment_score":0.19945332407951355},{"text":"That should pop through pretty quickly.","start":133.075,"end":135.175,"sentiment":"neutral","sentiment_score":0.23394682258367538},{"text":"If it is the first time using your system, it may go to your spam folder, but that usually does come through in about thirty seconds or so.","start":135.395,"end":142.13,"sentiment":"neutral","sentiment_score":0.017210088404161588},{"text":"Now perfect.","start":142.59001,"end":144.93001,"sentiment":"positive","sentiment_score":0.7312987446784973},{"text":"So you can bring that one up.","start":145.23001,"end":146.93001,"sentiment":"positive","sentiment_score":0.4421002268791199}],"sentiment":"neutral","sentiment_score":0.15096172300929372,"num_words":44,"start":132.675,"end":146.93001},{"sentences":[{"text":"There's a purple sign button.","start":146.99,"end":148.51001,"sentiment":"neutral","sentiment_score":0.2011178582906723},{"text":"It just brings open the documents per peruse together today.","start":148.51001,"end":152.13,"sentiment":"neutral","sentiment_score":0.20597399324178695},{"text":"Main thing I wanted to look at at this point is just in terms of changes in your circumstance and your So just let me know if this sounds correct.","start":152.815,"end":161.63501,"sentiment":"neutral","sentiment_score":0.04348288464049498},{"text":"We've got you here wanting to basically grow your super as much as possible.","start":162.335,"end":167.03,"sentiment":"neutral","sentiment_score":0.27953451978308813},{"text":"You had a bit of an insurance fix up there to begin with.","start":167.03,"end":170.31,"sentiment":"neutral","sentiment_score":0.09558294312312053}],"sentiment":"neutral","sentiment_score":0.132303851397915,"num_words":72,"start":146.99,"end":170.31},{"sentences":[{"text":"Estate planning was put in place, but you had a priority for a couple of years to kind of your savings cash buffer, eventually pay down the home, do a bit of travel, and possibly purchase another home that you might convert into, like, an Airbnb.","start":170.31,"end":185.05501,"sentiment":"neutral","sentiment_score":0.1331967583493046},{"text":"Does that sound okay?","start":185.27501,"end":186.41501,"sentiment":"neutral","sentiment_score":0.1563917174935341},{"text":"K.","start":189.035,"end":189.435,"sentiment":"neutral","sentiment_score":0.04197165369987488},{"text":"Anything in particular for you guys, say, one to three years that I need to factor into the advice?","start":189.435,"end":195.5,"sentiment":"neutral","sentiment_score":0.03991173893997544},{"text":"Yeah.","start":204.12,"end":204.62,"sentiment":"neutral","sentiment_score":0.07108993828296661}],"sentiment":"neutral","sentiment_score":0.10738031529414822,"num_words":71,"start":170.31,"end":204.62},{"sentences":[{"text":"I've just had my first myself.","start":205.215,"end":206.735,"sentiment":"neutral","sentiment_score":0.07035554262499015},{"text":"So you're currently married with Sarah, and you've got one child at the amazing.","start":206.735,"end":214.195,"sentiment":"neutral","sentiment_score":0.23595077757324492},{"text":"And we have you here as a project manager slash engineer for RPS.","start":214.975,"end":219.635,"sentiment":"neutral","sentiment_score":0.11583153043801968},{"text":"And I think we had you on about a 160,000.","start":220.48,"end":223.84,"sentiment":"neutral","sentiment_score":0.013749466836452484},{"text":"Has that changed much when you your tax return this year?","start":223.84,"end":226.81999,"sentiment":"neutral","sentiment_score":-0.05105538767847148}],"sentiment":"neutral","sentiment_score":0.08902110076612896,"num_words":54,"start":205.215,"end":226.81999},{"sentences":[{"text":"Yep.","start":231.2,"end":231.44,"sentiment":"neutral","sentiment_score":0.103344164788723},{"text":"Perfect.","start":231.44,"end":231.84,"sentiment":"neutral","sentiment_score":0.2719753682613373},{"text":"So in any updated projections or anything like that, I could base it on those contributions.","start":231.84,"end":236.875,"sentiment":"neutral","sentiment_score":0.14525578171014786},{"text":"And do you have any thought towards, you know sorry?","start":238.055,"end":242.39499,"sentiment":"neutral","sentiment_score":0.017980638518929483},{"text":"I was just wanting to check-in terms of the contributions I can base the projections and advice on.","start":244.375,"end":249.93001,"sentiment":"neutral","sentiment_score":0.05133809025088946}],"sentiment":"neutral","sentiment_score":0.08268052282864632,"num_words":46,"start":231.2,"end":249.93001},{"sentences":[{"text":"I'll put in there the contributions you're putting in.","start":250.47,"end":253.43001,"sentiment":"neutral","sentiment_score":0.06064052569369475},{"text":"What are you looking to do any kind of salary sacrifice or anything this year, or you've enough kind of cash flow priorities at the moment?","start":253.43001,"end":259.85,"sentiment":"neutral","sentiment_score":-0.013682990048367243},{"text":"Right.","start":268.005,"end":268.505,"sentiment":"neutral","sentiment_score":0.006598092615604401},{"text":"Perfect.","start":273.3,"end":273.62,"sentiment":"neutral","sentiment_score":0.29159265756607056},{"text":"And are you did you get a chance to get a benefit from some of the subsidies in terms of the the tax changes on that one?","start":273.62,"end":281.21997,"sentiment":"neutral","sentiment_score":0.05893260916626012}],"sentiment":"neutral","sentiment_score":0.03249028418213129,"num_words":64,"start":250.47,"end":281.21997},{"sentences":[{"text":"I know you've got it in just the cutoff date.","start":281.21997,"end":283.56,"sentiment":"neutral","sentiment_score":-0.09828102216124535},{"text":"Would you have purchased that last or this year?","start":283.62,"end":289.615,"sentiment":"neutral","sentiment_score":-0.012260939770688614},{"text":"Oh, right.","start":292.715,"end":293.19498,"sentiment":"neutral","sentiment_score":0.07860372215509415},{"text":"Perfect time for that.","start":293.19498,"end":294.735,"sentiment":"positive","sentiment_score":0.509323000907898},{"text":"I think they said the change is set for, I think, April, that they'll remove some of those benefits, So no timing there.","start":294.875,"end":306.61002,"sentiment":"neutral","sentiment_score":-0.002453303207521854}],"sentiment":"neutral","sentiment_score":0.021769058221252635,"num_words":48,"start":281.21997,"end":306.61002},{"sentences":[{"text":"Beautiful.","start":306.61002,"end":307.11002,"sentiment":"neutral","sentiment_score":0.2847878336906433},{"text":"Yes.","start":307.41,"end":307.91,"sentiment":"neutral","sentiment_score":0.001305779442191124},{"text":"Alrighty.","start":309.65,"end":310.15,"sentiment":"neutral","sentiment_score":0.1236080527305603},{"text":"Now I've got your hosted as well.","start":311.81,"end":314.745,"sentiment":"neutral","sentiment_score":0.1137957296201161},{"text":"I'll do a quick updated online valuation for your property value.","start":314.745,"end":319.32498,"sentiment":"neutral","sentiment_score":0.10264480113983154}],"sentiment":"neutral","sentiment_score":0.1112078374163026,"num_words":21,"start":306.61002,"end":319.32498},{"sentences":[{"text":"But in terms of the mortgage there, I think we had about three owing at the time.","start":319.54498,"end":323.645,"sentiment":"neutral","sentiment_score":-0.010280654601314488},{"text":"I'm just doing a search for the value at the moment, but I was just wondering around the mortgage.","start":327.83,"end":332.09,"sentiment":"neutral","sentiment_score":-0.009264966056339051},{"text":"We had it at 320,000.","start":332.22998,"end":334.33,"sentiment":"neutral","sentiment_score":-0.0029104214161634447},{"text":"Property value online is coming up as around 480,000.","start":340.31,"end":344.685,"sentiment":"neutral","sentiment_score":0.012620743674536547},{"text":"Does that sound about right to you, or is that a bit low?","start":344.685,"end":346.945,"sentiment":"neutral","sentiment_score":-0.026739842759875152}],"sentiment":"neutral","sentiment_score":-0.009514108780653232,"num_words":63,"start":319.54498,"end":346.945},{"sentences":[{"text":"Yeah.","start":359.17,"end":359.49002,"sentiment":"neutral","sentiment_score":0.005703376606106758},{"text":"Absolutely.","start":359.49002,"end":359.99002,"sentiment":"neutral","sentiment_score":0.019568828865885735},{"text":"$104.80 for the time being.","start":363.17,"end":365.01,"sentiment":"neutral","sentiment_score":0.03421273902058601},{"text":"Just keep it conservative.","start":365.01,"end":365.99002,"sentiment":"neutral","sentiment_score":0.041774412617087364},{"text":"Is that alright?","start":366.05002,"end":366.87,"sentiment":"neutral","sentiment_score":0.0671425573527813}],"sentiment":"neutral","sentiment_score":0.040347230221543996,"num_words":14,"start":359.17,"end":366.87},{"sentences":[{"text":"$333.24.","start":374.375,"end":376.295,"sentiment":"neutral","sentiment_score":0.024332532659173012},{"text":"Perfect.","start":376.295,"end":376.795,"sentiment":"neutral","sentiment_score":0.19532257318496704},{"text":"And last, assets and liabilities, we had cars there, but I did note the electric vehicle on the Novated lease and just a credit card there.","start":377.33502,"end":386.295,"sentiment":"neutral","sentiment_score":0.035539120578995116},{"text":"No other loans or assets, shares or crypto?","start":386.295,"end":389.52,"sentiment":"neutral","sentiment_score":-0.021187682170420885},{"text":"Perfect.","start":392.46,"end":392.96,"sentiment":"neutral","sentiment_score":0.30322766304016113}],"sentiment":"neutral","sentiment_score":0.03452428233985965,"num_words":37,"start":374.375,"end":392.96},{"sentences":[{"text":"Last couple of details to update, and then I can dive in with you, is just in terms of savings.","start":393.66,"end":398.8,"sentiment":"neutral","sentiment_score":0.10271283574402332},{"text":"Do you tend to build up savings in an offset account or a savings account?","start":398.86,"end":403.18503,"sentiment":"neutral","sentiment_score":0.04788713293770949},{"text":"Perfect.","start":406.845,"end":407.345,"sentiment":"neutral","sentiment_score":0.20669296383857727},{"text":"Do you have an approximate balance to note down just for the time being?","start":408.285,"end":411.505,"sentiment":"neutral","sentiment_score":0.09505470576030868},{"text":"Perfect.","start":416.52502,"end":417.02502,"sentiment":"neutral","sentiment_score":0.2354101836681366}],"sentiment":"neutral","sentiment_score":0.08912613209994401,"num_words":51,"start":393.66,"end":417.02502},{"sentences":[{"text":"They have changed some anti money law laws at the moment, so we're just asking a couple extra questions here.","start":418.61,"end":423.99,"sentiment":"neutral","sentiment_score":-0.0645024802070111},{"text":"In terms of insolvency, have you ever gone through any bankruptcy or part nine agreements and not a member of a tax jurisdiction?","start":424.93,"end":435.965,"sentiment":"neutral","sentiment_score":-0.06847593350254971},{"text":"Perfect.","start":438.505,"end":439.005,"sentiment":"positive","sentiment_score":0.4420463740825653},{"text":"Awesome.","start":439.14502,"end":439.625,"sentiment":"positive","sentiment_score":0.5463104844093323},{"text":"So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning.","start":439.625,"end":449.08,"sentiment":"neutral","sentiment_score":0.24675869336351752}],"sentiment":"neutral","sentiment_score":0.07817712949903367,"num_words":77,"start":418.61,"end":449.08},{"sentences":[{"text":"There was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you?","start":449.3,"end":459.155,"sentiment":"neutral","sentiment_score":0.12225282564759254},{"text":"Yep.","start":469.375,"end":469.875,"sentiment":"neutral","sentiment_score":0.15676695108413696},{"text":"We can always have a discussion around investments inside the super and options that may be available for you personally as well.","start":470.57,"end":477.71002,"sentiment":"neutral","sentiment_score":0.21853021735494788},{"text":"I do know that your your hub fund does offer, like, investment accounts.","start":477.77002,"end":481.85,"sentiment":"neutral","sentiment_score":0.1887462276678819},{"text":"So you can have, for example, an investment account inside your super, you can invest in all the same kinds of managed funds and ETFs and things like that.","start":481.85,"end":489.085,"sentiment":"neutral","sentiment_score":0.18298803578163014}],"sentiment":"neutral","sentiment_score":0.17202732630539685,"num_words":96,"start":449.3,"end":489.085},{"sentences":[{"text":"Cool.","start":491.305,"end":491.805,"sentiment":"neutral","sentiment_score":0.3212747275829315},{"text":"If you have a look at that email there, the documents have popped up, and you can usually click the next commit button to cycle through them or just scroll through the documents with me.","start":492.425,"end":501.63,"sentiment":"neutral","sentiment_score":0.15089239754847117},{"text":"And the first I can see there is a summary of the superintendents.","start":501.85,"end":505.39,"sentiment":"neutral","sentiment_score":0.08597481422699414},{"text":"You should see your hub account and the Clearview policy.","start":505.77002,"end":508.91,"sentiment":"neutral","sentiment_score":0.09987120777368545},{"text":"It's got a bit of an oak view letterhead on it.","start":509.77002,"end":515.455,"sentiment":"neutral","sentiment_score":0.10626650262962688}],"sentiment":"neutral","sentiment_score":0.12696892619132996,"num_words":70,"start":491.305,"end":515.455},{"sentences":[{"text":"So hub is platform for the super and Clearview, the insurer that we're currently using.","start":515.995,"end":520.895,"sentiment":"neutral","sentiment_score":0.1200406144062678},{"text":"Correct.","start":529.2,"end":529.7,"sentiment":"neutral","sentiment_score":0.03552214801311493},{"text":"So life insurance, 1.4 mil if you away.","start":530.0,"end":533.22,"sentiment":"neutral","sentiment_score":-0.0015898685087449849},{"text":"TPD is permanent disablement.","start":533.51996,"end":535.45996,"sentiment":"neutral","sentiment_score":-0.0747258085757494},{"text":"So that's another lump sum.","start":535.68,"end":537.12,"sentiment":"neutral","sentiment_score":-0.02396956942975521}],"sentiment":"neutral","sentiment_score":0.042565494987436316,"num_words":33,"start":515.995,"end":537.12},{"sentences":[{"text":"Again, clear the debts, replace the lost income.","start":537.12,"end":540.14496,"sentiment":"neutral","sentiment_score":-0.05095469579100609},{"text":"Income protection is your temporary disability.","start":540.52496,"end":543.985,"sentiment":"neutral","sentiment_score":-0.048060461257894836},{"text":"So if you're out of work for more than the thirty day waiting period, it'll kick in a monthly benefit for up to five years.","start":544.20496,"end":550.225,"sentiment":"neutral","sentiment_score":-0.017365722581744195},{"text":"I'm kind of taking a look here just at the the amount because it is percentage based.","start":554.48,"end":559.69995,"sentiment":"neutral","sentiment_score":0.041585192851283974},{"text":"Thirty day waiting period, five year benefit.","start":561.27997,"end":563.38,"sentiment":"neutral","sentiment_score":0.02305491075717977}],"sentiment":"neutral","sentiment_score":-0.004155726105506931,"num_words":63,"start":537.12,"end":563.38},{"sentences":[{"text":"Now bear in mind, the monthly benefit, that is the gross.","start":564.24,"end":567.04,"sentiment":"neutral","sentiment_score":0.04527312043038281},{"text":"It's before tax.","start":567.04,"end":568.155,"sentiment":"neutral","sentiment_score":0.014868165055910746},{"text":"So what I basically do here is I just have a look at that monthly benefit.","start":568.635,"end":572.17505,"sentiment":"neutral","sentiment_score":0.07807949278503656},{"text":"We look at when the policy was put in force, which was 2023.","start":572.315,"end":577.215,"sentiment":"neutral","sentiment_score":0.03240079962863372},{"text":"So we've got eight seven one four.","start":578.075,"end":580.41504,"sentiment":"neutral","sentiment_score":0.08895291920219149}],"sentiment":"neutral","sentiment_score":0.05671523068100214,"num_words":50,"start":564.24,"end":580.41504},{"sentences":[{"text":"It's a 70%.","start":580.875,"end":582.17505,"sentiment":"neutral","sentiment_score":0.19342064360777536},{"text":"It's protecting income of about a 150,000.","start":584.95,"end":587.77,"sentiment":"neutral","sentiment_score":0.27766803758484976},{"text":"It'll probably still get you just shy of 2,000 a week in hand off tax.","start":591.91003,"end":596.72504,"sentiment":"neutral","sentiment_score":0.2158852328856786},{"text":"Do you think that would still kind of cover you guys, you know, to keep the mortgage paid and things like that, or does it seem low?","start":596.72504,"end":602.505,"sentiment":"neutral","sentiment_score":0.07626537819979368},{"text":"Yeah.","start":619.73,"end":620.13,"sentiment":"neutral","sentiment_score":-0.07856631278991699}],"sentiment":"neutral","sentiment_score":0.1460908601095654,"num_words":53,"start":580.875,"end":620.13},{"sentences":[{"text":"So it counts and injury.","start":620.13,"end":622.63,"sentiment":"neutral","sentiment_score":-0.17623621821403504},{"text":"So it's anything based outside of work because most of the times work would be covered by, like, work cover.","start":622.76996,"end":627.745,"sentiment":"neutral","sentiment_score":-0.1610381927341223},{"text":"Income protection can pop it up, but it's any illness or injuries that put you out of work for more than a month.","start":627.805,"end":634.385,"sentiment":"neutral","sentiment_score":-0.3113704997560252},{"text":"And I'm just looking at the premiums there.","start":645.94,"end":647.94,"sentiment":"neutral","sentiment_score":0.04864306072704494},{"text":"So $25.09 comes out of the super.","start":647.94,"end":650.44,"sentiment":"neutral","sentiment_score":0.2201122066804341}],"sentiment":"neutral","sentiment_score":-0.14815137313590163,"num_words":63,"start":620.13,"end":650.44},{"sentences":[{"text":"You do get a 15% tax rebate for being paid super, so it drops it under $2.","start":650.5,"end":655.635,"sentiment":"neutral","sentiment_score":0.3144666903159198},{"text":"I see here that because of the engineering side of things, you've got a really good occupation rating.","start":656.115,"end":661.41504,"sentiment":"positive","sentiment_score":0.43819595376650494},{"text":"Pretty much one of the best occupate ratings you can get for pricing.","start":661.955,"end":666.375,"sentiment":"positive","sentiment_score":0.4159357433135693},{"text":"I think the only thing above would be like a lawyer.","start":666.435,"end":668.775,"sentiment":"neutral","sentiment_score":0.0772112977098335},{"text":"Now if at any point that kind of skyrockets in because since you've, you know, late thirties, not too bad now, but once you hit forward, it's step, then it will go up with your age.","start":673.17,"end":683.11,"sentiment":"neutral","sentiment_score":-0.004176063682987458}],"sentiment":"neutral","sentiment_score":0.20357485840489206,"num_words":95,"start":650.5,"end":683.11},{"sentences":[{"text":"So what will tend to happen in your forties is it'll jump up $3.04, $5,000.","start":683.34503,"end":687.745,"sentiment":"neutral","sentiment_score":0.05376154730717341},{"text":"And then once you hit your late fees, it can go all the way up to 7,000, 10,000, 15,000.","start":687.745,"end":695.125,"sentiment":"neutral","sentiment_score":0.05850296585183395},{"text":"So the aim of the game is to kind of reduce the cover down as you pay off the mortgage because, essentially, you've got less things that you need to cover for, especially when there's years to cover, less liabilities.","start":695.52,"end":707.06006,"sentiment":"neutral","sentiment_score":0.15192048773169517},{"text":"So there's a bit of balancing act that we do to keep it trimmed down.","start":707.445,"end":710.985,"sentiment":"neutral","sentiment_score":0.05055477023124695},{"text":"And if we need to, we can shop around for other providers as well.","start":711.125,"end":714.585,"sentiment":"neutral","sentiment_score":0.08533169222729546}],"sentiment":"neutral","sentiment_score":0.09658023606515626,"num_words":103,"start":683.34503,"end":714.585},{"sentences":[{"text":"I guess the last question I've got just for insurance side of things is the point four mil for the life insurance.","start":717.605,"end":723.39996,"sentiment":"neutral","sentiment_score":0.005838292566212741},{"text":"That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income.","start":724.18,"end":733.87994,"sentiment":"neutral","sentiment_score":-0.0007003191168661471},{"text":"Do you feel like that income of the income protection is okay in that scenario?","start":736.255,"end":740.435,"sentiment":"neutral","sentiment_score":0.02183273434638977},{"text":"So if you were to pass away, home loan's paid off, they've got that lump sum there.","start":740.575,"end":745.375,"sentiment":"neutral","sentiment_score":-0.07663843364400022},{"text":"Does that sense like they'd be able to get back on their feet kind of thing?","start":745.375,"end":748.755,"sentiment":"neutral","sentiment_score":0.024698783177882433}],"sentiment":"neutral","sentiment_score":-0.0048520412948942675,"num_words":97,"start":717.605,"end":748.755},{"sentences":[{"text":"K.","start":753.07,"end":753.57,"sentiment":"neutral","sentiment_score":0.12757982313632965},{"text":"So I'll keep that one as is for the time being.","start":753.71,"end":756.37,"sentiment":"neutral","sentiment_score":0.2278597964481874},{"text":"Now on the email that you there, there should be a next document budget to bring open for your hub 24 performance table.","start":756.51,"end":765.345,"sentiment":"neutral","sentiment_score":0.11699011338793713},{"text":"Now it's a big blue one there.","start":767.40497,"end":768.765,"sentiment":"neutral","sentiment_score":-0.06599562162799495},{"text":"I know sometimes it can be a bit blurry on these type of programs.","start":768.765,"end":772.125,"sentiment":"neutral","sentiment_score":-0.12828726055366652}],"sentiment":"neutral","sentiment_score":0.054764628443600874,"num_words":56,"start":753.07,"end":772.125},{"sentences":[{"text":"Can you make out any of the the names and is all the writing clear enough to look at?","start":772.125,"end":776.545,"sentiment":"neutral","sentiment_score":-0.0519552044570446},{"text":"Cool.","start":823.99506,"end":824.49506,"sentiment":"neutral","sentiment_score":0.17426583170890808},{"text":"I'll point out a couple of key points here that I've been looking at before the review as well.","start":825.43506,"end":830.49506,"sentiment":"neutral","sentiment_score":0.10676928962531843},{"text":"For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio.","start":830.635,"end":847.02,"sentiment":"neutral","sentiment_score":0.06043035191084657},{"text":"So the majority of is in your growth assets like shares, property, and.","start":847.4,"end":851.645,"sentiment":"neutral","sentiment_score":0.0811309043604594}],"sentiment":"neutral","sentiment_score":0.05115436156220893,"num_words":94,"start":772.125,"end":851.645},{"sentences":[{"text":"You have very little in defensive assets to try and get those higher long term returns.","start":851.865,"end":856.265,"sentiment":"neutral","sentiment_score":0.015260765329003334},{"text":"Does that make sense?","start":856.265,"end":857.325,"sentiment":"neutral","sentiment_score":0.0473640002310276},{"text":"Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and it's cleared about five for the year.","start":858.90497,"end":873.25,"sentiment":"neutral","sentiment_score":-0.006352591815150597},{"text":"I do see here the account.","start":873.31,"end":875.085,"sentiment":"neutral","sentiment_score":0.14375053346157074},{"text":"Overall, your account's done on a balance standpoint just because the contributions have been fantastic.","start":875.48505,"end":881.505,"sentiment":"positive","sentiment_score":0.5548961877822876}],"sentiment":"neutral","sentiment_score":0.10988306145676795,"num_words":85,"start":851.865,"end":881.505},{"sentences":[{"text":"So you came on board.","start":881.645,"end":883.245,"sentiment":"positive","sentiment_score":0.5339006304740905},{"text":"You've gone from 50,000 to a 116.","start":883.245,"end":885.66504,"sentiment":"positive","sentiment_score":0.47739438499723164},{"text":"If you recall, you've had a bit of a dip in 2025 when markets went down.","start":886.36505,"end":890.91,"sentiment":"neutral","sentiment_score":-0.02842270947439829},{"text":"And then again, we had a dip at the start of this year where it went from, like, a 106 down to about 98, and then it back up again.","start":890.99,"end":899.41,"sentiment":"neutral","sentiment_score":-0.16365767667690914},{"text":"Now two sort of concern that I can see is the Benelong Australian shares option.","start":901.94995,"end":907.355,"sentiment":"neutral","sentiment_score":-0.20062938233216604}],"sentiment":"neutral","sentiment_score":-0.0323653498565625,"num_words":73,"start":881.645,"end":907.355},{"sentences":[{"text":"Anything that you see on the right hand side for the percentage returns, if it's bracket, it means it's a negative, and anything that doesn't have a bracket is a positive return.","start":908.215,"end":927.32,"sentiment":"neutral","sentiment_score":-0.267334658652544},{"text":"And, basically, I've I've had a lot of exposure to all of the funds that you've currently got before I came to Oakview.","start":927.32,"end":933.005,"sentiment":"neutral","sentiment_score":-0.19942953793898874},{"text":"I've been doing this for about twelve years now, and Spenalong was kind of on a lot of people radar last year.","start":933.005,"end":939.42505,"sentiment":"neutral","sentiment_score":-0.13381250507452272},{"text":"And, basically, when I came to Oakview had a pretty recently with the investment committee to look at alternatives for that option.","start":939.645,"end":947.83,"sentiment":"neutral","sentiment_score":-0.10595210709355095},{"text":"And I was probably coming into this meeting wanting to look at a replacement part.","start":948.29,"end":952.39,"sentiment":"neutral","sentiment_score":-0.12693378825982413}],"sentiment":"neutral","sentiment_score":-0.17824926965853624,"num_words":114,"start":908.215,"end":952.39},{"sentences":[{"text":"Now across the rest of the portfolio, everything is looking pretty good in terms of behaving the way I would expect it to.","start":952.69,"end":961.21497,"sentiment":"neutral","sentiment_score":0.2222633118862691},{"text":"So the gold being up 24%, that tracks the gold market.","start":961.21497,"end":964.415,"sentiment":"neutral","sentiment_score":0.1840138232166117},{"text":"That's fantastic.","start":964.415,"end":965.15497,"sentiment":"positive","sentiment_score":0.638120025396347},{"text":"The international shares are doing really well.","start":966.175,"end":968.33496,"sentiment":"positive","sentiment_score":0.501291675227029},{"text":"They're tracking their areas very well, Pretty diversified in terms of health care, different sectors.","start":968.33496,"end":974.47,"sentiment":"neutral","sentiment_score":0.1796232966085275}],"sentiment":"neutral","sentiment_score":0.25199723198752977,"num_words":58,"start":952.69,"end":974.47},{"sentences":[{"text":"Cybersecurity is gonna be a bit of an issue going forward.","start":974.93,"end":977.67,"sentiment":"neutral","sentiment_score":-0.22552489286119287},{"text":"The other one I'd like to look at is the bank hybrids.","start":978.29,"end":981.17,"sentiment":"neutral","sentiment_score":-0.008168779003123442},{"text":"It's the section on the list.","start":981.17,"end":982.755,"sentiment":"neutral","sentiment_score":-0.006618507099725927},{"text":"The government is actually phasing that type of term deposit out over the next couple of years.","start":983.555,"end":988.775,"sentiment":"neutral","sentiment_score":-0.06230780000195784},{"text":"So I wanna just kind of take the opportunity to update that as well as underperforming option.","start":988.915,"end":994.355,"sentiment":"neutral","sentiment_score":-0.04702946456039653}],"sentiment":"neutral","sentiment_score":-0.07106736047093623,"num_words":63,"start":974.93,"end":994.355},{"sentences":[{"text":"Is that okay?","start":994.355,"end":995.175,"sentiment":"neutral","sentiment_score":-0.009341069186727205},{"text":"There's a couple of options in terms of style.","start":1002.08997,"end":1004.32996,"sentiment":"neutral","sentiment_score":0.02979489519364304},{"text":"So when it talks to, like, Hub as a plat it's got the most investments in the industry.","start":1004.32996,"end":1010.17,"sentiment":"neutral","sentiment_score":0.07480090525415209},{"text":"So we've got about 1,300 options there, plus everything listed on the stock exchange.","start":1010.17,"end":1015.485,"sentiment":"neutral","sentiment_score":0.06237347816516246},{"text":"So I can pretty much pick any option within any file to replace it with, but you've got two main sort of categories.","start":1016.02496,"end":1022.605,"sentiment":"neutral","sentiment_score":0.1967093193012735}],"sentiment":"neutral","sentiment_score":0.10424015197013296,"num_words":67,"start":994.355,"end":1022.605},{"sentences":[{"text":"You've got your low fees of options that follow the market very closely, or you can continue in that kind of active space where you pay a bit higher investment fee to try and get a higher return in the market.","start":1022.825,"end":1035.47,"sentiment":"neutral","sentiment_score":0.2511978109435337},{"text":"I guess the question I really wanna ask you, because I will make a recommendation, is between those two styles, which one do you lean more towards on a gut feeling?","start":1035.77,"end":1044.695,"sentiment":"neutral","sentiment_score":0.16073828142496846},{"text":"Yeah.","start":1057.3401,"end":1057.5,"sentiment":"neutral","sentiment_score":0.03490699082612991},{"text":"So the percentage based fee.","start":1057.5,"end":1058.86,"sentiment":"neutral","sentiment_score":0.031398264318704606},{"text":"So when we look at each option individually, we basically this is the investment fee.","start":1058.86,"end":1063.74,"sentiment":"neutral","sentiment_score":0.07699239999055862}],"sentiment":"neutral","sentiment_score":0.17880409984018214,"num_words":93,"start":1022.825,"end":1063.74},{"sentences":[{"text":"This is the returns.","start":1063.74,"end":1064.7001,"sentiment":"neutral","sentiment_score":0.12822724506258965},{"text":"What's the returns net of fees?","start":1064.7001,"end":1066.665,"sentiment":"neutral","sentiment_score":0.15490270778536797},{"text":"And is it performing in line with the objective?","start":1066.8251,"end":1069.005,"sentiment":"neutral","sentiment_score":0.22195549971527523},{"text":"Which for this one would be outperforming the Australian market, which is not currently I do have options that are outperforming the Aussie market, but I also have straight up index ETFs, which would heavily reduce the investment fees and get it straight back on track with the Aussie market.","start":1069.2251,"end":1085.8401,"sentiment":"neutral","sentiment_score":0.3067059044539928},{"text":"Easy done.","start":1094.545,"end":1095.365,"sentiment":"positive","sentiment_score":0.4928314536809921}],"sentiment":"neutral","sentiment_score":0.27832229372481226,"num_words":71,"start":1063.74,"end":1095.365},{"sentences":[{"text":"So I'll look through actually, most of the providers you've got there are the low fee ETFs, the the beta shares, and the iShares.","start":1095.425,"end":1103.845,"sentiment":"neutral","sentiment_score":0.2592641624311606},{"text":"They're pretty alongside the Vanguard.","start":1104.465,"end":1106.5651,"sentiment":"neutral","sentiment_score":0.31800004541873933},{"text":"So the kind of main two two fund managers that offer index ETFs.","start":1107.0,"end":1112.78,"sentiment":"neutral","sentiment_score":0.10405440513904278},{"text":"So I'm gonna have a bit of a a tweak there.","start":1113.0,"end":1115.98,"sentiment":"neutral","sentiment_score":0.10182176056233319},{"text":"Now overall, in terms of long term side of things, so I mentioned before, you need to hit that kind of 10% benchmark.","start":1118.04,"end":1126.875,"sentiment":"neutral","sentiment_score":0.10094814277861429}],"sentiment":"neutral","sentiment_score":0.16588018476766975,"num_words":76,"start":1095.425,"end":1126.875},{"sentences":[{"text":"This portfolio itself is still clearing but it does have a couple issues that I think oh, yeah.","start":1127.415,"end":1137.36,"sentiment":"neutral","sentiment_score":0.013421514485445287},{"text":"Sorry.","start":1137.36,"end":1137.6,"sentiment":"neutral","sentiment_score":-0.12613947689533234},{"text":"Can you hear me now?","start":1137.6,"end":1138.74,"sentiment":"neutral","sentiment_score":-0.13985663652420044},{"text":"So what I was saying was in terms of the benchmark, the portfolio is still clearing at 13% per annum long term, but that doesn't mean that it doesn't have that issue that needs to be addressed right now.","start":1140.48,"end":1153.695,"sentiment":"neutral","sentiment_score":-0.12553898020623586},{"text":"Correct.","start":1166.1599,"end":1166.48,"sentiment":"neutral","sentiment_score":0.06491746008396149}],"sentiment":"neutral","sentiment_score":-0.08460840885527432,"num_words":64,"start":1127.415,"end":1166.48},{"sentences":[{"text":"So that's total portfolio on the second page.","start":1166.48,"end":1169.2999,"sentiment":"neutral","sentiment_score":-0.09503131236124318},{"text":"And with the high growth, so I was saying good years, you want to be getting ten, twenty, 30%.","start":1171.12,"end":1178.085,"sentiment":"neutral","sentiment_score":0.13325442373752594},{"text":"Yes.","start":1178.145,"end":1178.385,"sentiment":"neutral","sentiment_score":0.16293498873710632},{"text":"You're gonna have that back every seven where it does kind of 20%.","start":1178.385,"end":1183.125,"sentiment":"neutral","sentiment_score":0.13675460276695398},{"text":"But Yeah.","start":1183.4249,"end":1196.64,"sentiment":"neutral","sentiment_score":0.008710917085409157}],"sentiment":"neutral","sentiment_score":0.08673837700003195,"num_words":43,"start":1166.48,"end":1196.64},{"sentences":[{"text":"And when I compare it to kind of where you were before with the rest option, they definitely done a little bit better for the last twelve months.","start":1196.64,"end":1203.315,"sentiment":"neutral","sentiment_score":0.18903344603521482},{"text":"Three years wise, they're they're kind of still a bit low, 7%, 9% for their balance and growth options, which is below what you're aiming for.","start":1206.195,"end":1214.0549,"sentiment":"neutral","sentiment_score":-0.21121276227327493},{"text":"So, yeah.","start":1215.235,"end":1219.02,"sentiment":"neutral","sentiment_score":-0.041788279078900814},{"text":"Just talking in terms of net returns after.","start":1219.02,"end":1221.2001,"sentiment":"neutral","sentiment_score":-0.015994173008948565},{"text":"So I think the main thing is get it back on track to where it should be.","start":1224.06,"end":1228.0,"sentiment":"neutral","sentiment_score":0.04997509279671837}],"sentiment":"neutral","sentiment_score":0.005425324755502336,"num_words":81,"start":1196.64,"end":1228.0},{"sentences":[{"text":"The Benelon option in itself, I think what ended up happening there was that they made a few bad investments.","start":1229.26,"end":1234.655,"sentiment":"neutral","sentiment_score":-0.26861177757382393},{"text":"And when those investments written down, there's a bit of a news article about it that we had a few people leave the fund recently.","start":1235.515,"end":1242.655,"sentiment":"neutral","sentiment_score":-0.2409175592660904},{"text":"So that's why we've kind of flagged that.","start":1242.875,"end":1244.795,"sentiment":"neutral","sentiment_score":-0.23373235389590263},{"text":"I don't think it's one of those options where you just wait twelve months for it to come back now.","start":1244.795,"end":1248.895,"sentiment":"negative","sentiment_score":-0.3652247294783592},{"text":"It's gotten to a point that it has to be fixed, and that's the only reason why it's below that percent for this year.","start":1248.99,"end":1255.65,"sentiment":"negative","sentiment_score":-0.3753220910827319}],"sentiment":"neutral","sentiment_score":-0.30492018700874957,"num_words":97,"start":1229.26,"end":1255.65},{"sentences":[{"text":"Cool.","start":1258.51,"end":1259.01,"sentiment":"neutral","sentiment_score":-0.011817616410553455},{"text":"Yeah.","start":1264.495,"end":1264.995,"sentiment":"neutral","sentiment_score":-0.01318279653787613},{"text":"One of the little tricks I'll do for this one is any type of funds that in a negative, we can use that to offset any gains for the other options if we wanna update a few options within the portfolio, and that'll reduce the impact heavily.","start":1265.695,"end":1279.76,"sentiment":"neutral","sentiment_score":0.08950381139491467},{"text":"So any capital gains I switch out will kind of mitigate the tax that Uber would pay under the hood.","start":1279.76,"end":1285.78,"sentiment":"neutral","sentiment_score":0.30869562178850174},{"text":"So I'll do that to just make sure it's not oh, sorry.","start":1289.12,"end":1292.595,"sentiment":"neutral","sentiment_score":0.026813673476378124}],"sentiment":"neutral","sentiment_score":0.13181920049505103,"num_words":81,"start":1258.51,"end":1292.595},{"sentences":[{"text":"So, you know, if you had, like, a couple of investment fees and you sold one for a gain and one for a loss, they would offset each other in terms of paying capital gains tax.","start":1292.655,"end":1301.875,"sentiment":"neutral","sentiment_score":0.07912715586523215},{"text":"So it kind of gives me an opportunity to update some of the other options for essentially free to get the loss that was occurred with Benelon.","start":1302.095,"end":1311.8099,"sentiment":"neutral","sentiment_score":0.18083898419583286},{"text":"So in terms of the switch, so I'll look at for Benelon, the bank hybrids.","start":1317.47,"end":1321.49,"sentiment":"neutral","sentiment_score":0.10179318636655807},{"text":"There's probably a few other options we might look to mix in as well, whether that's electric vehicles, things that are pretty popular and looking good long term.","start":1321.8251,"end":1330.625,"sentiment":"neutral","sentiment_score":0.24173853439944132},{"text":"I can kind of use that to sort of buy in for free to get those sectors.","start":1330.625,"end":1335.125,"sentiment":"neutral","sentiment_score":0.32378215824856477}],"sentiment":"neutral","sentiment_score":0.17504962303531849,"num_words":123,"start":1292.655,"end":1335.125},{"sentences":[{"text":"That sound okay?","start":1338.01,"end":1344.91,"sentiment":"neutral","sentiment_score":-0.14810271064440408},{"text":"So with India, that's an interesting one.","start":1347.61,"end":1349.865,"sentiment":"neutral","sentiment_score":-0.07752034600291934},{"text":"So that's more of a a long term macroeconomic play.","start":1350.825,"end":1354.045,"sentiment":"neutral","sentiment_score":-0.07110852599143982},{"text":"I know a lot of firms have been doing that the last two years because of the switch from, like, China to India for manufacturing.","start":1354.505,"end":1360.445,"sentiment":"neutral","sentiment_score":0.02020380735397339},{"text":"So when those countries get the manufacturing across and the GDP grows, that's when you expect to get the gains out of those companies.","start":1360.825,"end":1369.8,"sentiment":"neutral","sentiment_score":0.14108045399188995}],"sentiment":"neutral","sentiment_score":0.031782467620096344,"num_words":69,"start":1338.01,"end":1369.8},{"sentences":[{"text":"So it's one of those ones where it's kind of like a five to seven year, if not longer, investment, which is why there's only a portion in that one.","start":1370.18,"end":1379.015,"sentiment":"neutral","sentiment_score":-0.047219111522038774},{"text":"I don't have much concern for that one, but if it is something that you're like, look, I really don't want any single option to the negative like that, I can update that too.","start":1379.3151,"end":1389.255,"sentiment":"neutral","sentiment_score":-0.14784788219806025},{"text":"But, again, that was more like a five year thing.","start":1389.7151,"end":1393.31,"sentiment":"neutral","sentiment_score":0.0946062870323658},{"text":"No.","start":1405.8251,"end":1405.9851,"sentiment":"neutral","sentiment_score":-0.015479419380426409},{"text":"That's totally fine.","start":1405.9851,"end":1406.9451,"sentiment":"neutral","sentiment_score":0.12227062632640202}],"sentiment":"neutral","sentiment_score":-0.06597443603170224,"num_words":78,"start":1370.18,"end":1406.9451},{"sentences":[{"text":"So when you're in the stock market or, you know, Comsec account, you buy some shares, an ETF is basically just a collection of shares where they just wrap a bubble around it.","start":1406.9451,"end":1417.025,"sentiment":"neutral","sentiment_score":0.07236936485225504},{"text":"For example, the S and P.","start":1417.025,"end":1419.45,"sentiment":"neutral","sentiment_score":-0.013733113495012125},{"text":"Sorry?","start":1422.25,"end":1422.75,"sentiment":"neutral","sentiment_score":-0.01875820755958557},{"text":"The fund manager packages it, and then it gets listed on the stock exchange, and then you purchase through whichever brokerage firm you use or whichever plat.","start":1423.21,"end":1431.3099,"sentiment":"neutral","sentiment_score":0.04988713196858212},{"text":"Correct.","start":1441.275,"end":1441.775,"sentiment":"neutral","sentiment_score":0.06822258979082108}],"sentiment":"neutral","sentiment_score":0.054444225066724944,"num_words":68,"start":1406.9451,"end":1441.775},{"sentences":[{"text":"That's one of the main reasons why you're in 24 platform besides the amount of options they is they do this thing called aggregated bidding as a feature.","start":1441.995,"end":1450.9801,"sentiment":"neutral","sentiment_score":0.22345072563205445},{"text":"So if anyone is buying what you're selling or selling what you're buying, you can essentially trade the parcels and you won't get charged fees for it.","start":1451.2001,"end":1460.1001,"sentiment":"neutral","sentiment_score":0.23877352200172566},{"text":"Just a way to kind of reduce the broke the impact on your super.","start":1462.365,"end":1465.5851,"sentiment":"neutral","sentiment_score":0.276307680777141},{"text":"I've seen a couple of clients since I've come to Oakview that it's gone down about 80% brokerage fees, which is brilliant.","start":1465.9651,"end":1471.905,"sentiment":"positive","sentiment_score":0.3433889299631119},{"text":"But, basically, most of those there, once you purchase them, investment fee range for them is from about 0.04% to about 0.6, whereas the the is, like, above 1% for an investment fee.","start":1472.4451,"end":1489.035,"sentiment":"neutral","sentiment_score":0.004233185879208825}],"sentiment":"neutral","sentiment_score":0.19569406883731003,"num_words":124,"start":1441.995,"end":1489.035},{"sentences":[{"text":"K?","start":1492.395,"end":1492.875,"sentiment":"neutral","sentiment_score":0.025462746620178223},{"text":"So I think that passive approach probably works for you.","start":1492.875,"end":1496.255,"sentiment":"neutral","sentiment_score":0.1264584854245186},{"text":"Perfect.","start":1503.115,"end":1503.42,"sentiment":"positive","sentiment_score":0.771072506904602},{"text":"Alrighty.","start":1503.9,"end":1504.4,"sentiment":"positive","sentiment_score":0.5316680669784546},{"text":"I'll have a look at that.","start":1504.86,"end":1506.06,"sentiment":"neutral","sentiment_score":0.311127707362175}],"sentiment":"neutral","sentiment_score":0.2347133904695511,"num_words":19,"start":1492.395,"end":1506.06},{"sentences":[{"text":"Tweet it from here.","start":1506.06,"end":1506.7001,"sentiment":"neutral","sentiment_score":0.22272105515003204},{"text":"What I'll do is put together the comparisons, the updated advice document, updated projections, and then I'll get you booked in to go through those with me, And then we can kind of see if you're comfortable before I make those changes.","start":1506.7001,"end":1519.445,"sentiment":"neutral","sentiment_score":0.19383922538587026},{"text":"Let me have a look.","start":1529.505,"end":1531.0449,"sentiment":"neutral","sentiment_score":0.04937926083803177},{"text":"It's on the dashboard there.","start":1531.105,"end":1532.53,"sentiment":"neutral","sentiment_score":0.03361047357320786},{"text":"Do you usually log in to your at all on the phone or computer?","start":1532.53,"end":1535.8301,"sentiment":"neutral","sentiment_score":-0.0030216232740453313}],"sentiment":"neutral","sentiment_score":0.13435396618608916,"num_words":70,"start":1506.06,"end":1535.8301},{"sentences":[{"text":"Would you like me to your, like, login reset while I have a chance?","start":1541.73,"end":1556.6151,"sentiment":"neutral","sentiment_score":-0.035476425529590676},{"text":"I'm pretty familiar with the old hub.","start":1556.915,"end":1558.775,"sentiment":"neutral","sentiment_score":-0.02013845688530377},{"text":"I would suggest your website's a bit better than the app.","start":1559.0751,"end":1561.41,"sentiment":"neutral","sentiment_score":-0.04055681486021389},{"text":"Now your exposure, 10 and a half percent.","start":1572.53,"end":1577.1749,"sentiment":"neutral","sentiment_score":-0.056130691431462765},{"text":"Usually, I think we look at around seven to 10 depending on the portfolio.","start":1577.1749,"end":1580.715,"sentiment":"neutral","sentiment_score":-0.019792736640998294}],"sentiment":"neutral","sentiment_score":-0.033516814138878276,"num_words":54,"start":1541.73,"end":1580.715},{"sentences":[{"text":"There's a few model portfolios to use, and that's kind of a we never usually do more than 10% in an alternative satellite option.","start":1580.775,"end":1589.755,"sentiment":"neutral","sentiment_score":-0.016038365749409422},{"text":"So your main one is like your your American shares, your Australian shares, your S and P, your ASX.","start":1589.79,"end":1594.8501,"sentiment":"neutral","sentiment_score":0.025534252979253467},{"text":"The ones like Golden Cybersecurity, those satellites usually run between five to 10%.","start":1595.15,"end":1600.53,"sentiment":"neutral","sentiment_score":0.013524658834704986},{"text":"And you're sitting at 7.4.","start":1604.1901,"end":1606.655,"sentiment":"neutral","sentiment_score":0.006683769170194864},{"text":"Yeah.","start":1619.75,"end":1619.99,"sentiment":"neutral","sentiment_score":0.005935591645538807}],"sentiment":"neutral","sentiment_score":0.00508717791883335,"num_words":62,"start":1580.775,"end":1619.99},{"sentences":[{"text":"Email address usually works.","start":1619.99,"end":1621.51,"sentiment":"neutral","sentiment_score":0.007637150585651398},{"text":"I'm just gonna hop on to the account details because sometimes it'll me the actual sort of username on that.","start":1621.51,"end":1627.2899,"sentiment":"neutral","sentiment_score":-0.0025604629889130594},{"text":"We've got login status active.","start":1629.03,"end":1631.5149,"sentiment":"neutral","sentiment_score":0.09732667654752732},{"text":"The email address does work, but you've got the login ID.","start":1632.855,"end":1635.6549,"sentiment":"neutral","sentiment_score":0.06907509470527823},{"text":"If you'd like to note it down, I've got it in front of me.","start":1635.6549,"end":1637.9149,"sentiment":"neutral","sentiment_score":0.06368449383548327}],"sentiment":"neutral","sentiment_score":0.0392107718658668,"num_words":54,"start":1619.99,"end":1637.9149},{"sentences":[{"text":"13672762.","start":1641.0149,"end":1647.14,"sentiment":"neutral","sentiment_score":0.01353087741881609},{"text":"And it's yep.","start":1649.92,"end":1653.14,"sentiment":"neutral","sentiment_score":0.01616658301403125},{"text":"Correct.","start":1654.0,"end":1654.4,"sentiment":"neutral","sentiment_score":0.10071928054094316},{"text":"And it's linked to your mobile number ending in 030 for multifactor authentication Text message.","start":1654.4,"end":1661.255,"sentiment":"neutral","sentiment_score":0.10035497744878133},{"text":"And then it's 2762.","start":1704.16,"end":1706.98,"sentiment":"neutral","sentiment_score":0.011602259241044521}],"sentiment":"neutral","sentiment_score":0.07143681690407296,"num_words":24,"start":1641.0149,"end":1706.98},{"sentences":[{"text":"I know Hubs usually good for the the text message rather than the authenticator apps for that one.","start":1750.545,"end":1756.645,"sentiment":"neutral","sentiment_score":0.10972531584815846},{"text":"Jonathan, just while you're going through that login process, I was just gonna ask you a quick question around the retirement side of things.","start":1785.36,"end":1791.36,"sentiment":"neutral","sentiment_score":0.026378602720797062},{"text":"Do you have a second?","start":1791.36,"end":1792.5,"sentiment":"neutral","sentiment_score":-0.01637900434434414},{"text":"Yeah.","start":1851.7899,"end":1852.19,"sentiment":"neutral","sentiment_score":-0.012064186856150627},{"text":"So you've just opened up five topics in my mind just then.","start":1852.19,"end":1855.255,"sentiment":"neutral","sentiment_score":0.04622163282086452}],"sentiment":"neutral","sentiment_score":0.05114737559730808,"num_words":60,"start":1750.545,"end":1855.255},{"sentences":[{"text":"I'll try and keep it succinct.","start":1855.255,"end":1857.1951,"sentiment":"neutral","sentiment_score":0.08916262661417325},{"text":"I'll take you through three main points to begin with.","start":1859.8151,"end":1862.2151,"sentiment":"neutral","sentiment_score":0.07397661693394184},{"text":"So the outlook for the rest of this year and next year is just volatility, which basically just means the movements are sharper and quicker.","start":1862.2151,"end":1871.96,"sentiment":"neutral","sentiment_score":-0.1016378016769886},{"text":"So every week, every month, the market's moving higher and lower at a higher percentage than it normally would in the usual seven year cycle where it just slowly creeps and then crashes.","start":1872.18,"end":1881.4,"sentiment":"neutral","sentiment_score":-0.22403015467253598},{"text":"Besides the wars, economic issues, inflation, property markets around the world, AI bubble, that kind of thing, that's five contributing Inside that as well, those indexes that you're looking at, the S and P 500 for Africa, the ASX 200 for Australia, those are the largest companies in that country.","start":1887.805,"end":1910.495,"sentiment":"neutral","sentiment_score":0.02195443144068122}],"sentiment":"neutral","sentiment_score":-0.06097965036338616,"num_words":124,"start":1855.255,"end":1910.495},{"sentences":[{"text":"So as those changes happen, there's gonna be companies coming into that index because they've grown massively in size, and then other ones popping out there.","start":1910.7151,"end":1920.415,"sentiment":"neutral","sentiment_score":0.09177568153693126},{"text":"And they're all different industries and different things like that.","start":1920.555,"end":1924.17,"sentiment":"neutral","sentiment_score":0.016193360649049283},{"text":"So from the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form.","start":1924.49,"end":1936.03,"sentiment":"neutral","sentiment_score":-0.23884890052048782},{"text":"Whereas Australia has been very stable for a long time of The biggest companies are pretty much the banks and the miners with a few other guys mixed in, Coles, Woolies, things like that.","start":1936.0901,"end":1946.115,"sentiment":"neutral","sentiment_score":0.012981060522553675},{"text":"So my first point is that volatility is gonna remain high.","start":1947.215,"end":1951.075,"sentiment":"neutral","sentiment_score":-0.0023765530098568324}],"sentiment":"neutral","sentiment_score":-0.05136926822411288,"num_words":119,"start":1910.7151,"end":1951.075},{"sentences":[{"text":"Generally speaking, I'm still expecting some pretty decent growth throughout the end of the year and next year.","start":1951.375,"end":1957.64,"sentiment":"positive","sentiment_score":0.3425506171252992},{"text":"The AI bubble, last time we went a bit of a a seminar to talk to fund managers, people are talking about anything from a four times boost in the the hyperscaler companies or up to 4,000 times, you know, if you think that SpaceX and the like will kind of get us to that type of scale of things.","start":1958.8201,"end":1982.1,"sentiment":"neutral","sentiment_score":0.024732165845731895},{"text":"So, basically, what's happening through most of the funds is people wanna make sure they've got enough exposure to those companies so they can capture the growth.","start":1982.16,"end":1991.14,"sentiment":"neutral","sentiment_score":0.07626126651410703},{"text":"That's things like a Nasdaq and tech stocks without piling all of your money and all of your super into one sector, where if that then bursts, it takes your entire fund down 80%, and you're sitting there with $20,000 next year.","start":1991.4401,"end":2008.02,"sentiment":"neutral","sentiment_score":0.006723691842385701},{"text":"So most of the moves that we're doing with these portfolios is just making sure we're assuring the sectors to get the growth side of things with avoiding the biggest risk, which is a full wipeout.","start":2010.5801,"end":2025.3049,"sentiment":"neutral","sentiment_score":0.23068956968684992}],"sentiment":"neutral","sentiment_score":0.09997876951359008,"num_words":183,"start":1951.375,"end":2025.3049},{"sentences":[{"text":"The flip side, though, is because we're going like a passive approach with your portfolio, the aim of the game and and it may seem very strange, and you're probably gonna be like, tell me why the hell would you do this.","start":2027.845,"end":2039.62,"sentiment":"neutral","sentiment_score":-0.12843644308547178},{"text":"But, basically, you expect every seven years to be growth crash crash.","start":2039.76,"end":2044.34,"sentiment":"neutral","sentiment_score":-0.18188639854391417},{"text":"And with the index funds, we basically use them as buying opportunities.","start":2044.8,"end":2048.42,"sentiment":"neutral","sentiment_score":-0.018899270333349705},{"text":"So contributions keep going in.","start":2048.72,"end":2051.045,"sentiment":"neutral","sentiment_score":-0.011482590436935424},{"text":"Every time the market dips, we can buy into it to buy more shares of property, more companies, more buildings for a cheaper price and just repeat that growth and crash cycle until you close to retirement.","start":2051.045,"end":2063.59,"sentiment":"neutral","sentiment_score":-0.10603374615311623}],"sentiment":"neutral","sentiment_score":-0.10911500181450888,"num_words":108,"start":2027.845,"end":2063.59},{"sentences":[{"text":"That's, I guess, the conventional wisdom.","start":2063.6501,"end":2065.6702,"sentiment":"neutral","sentiment_score":-0.05114594971140226},{"text":"Now having reached all of the different, you know, GFC, hyperinflation scenarios, AI, all that kind of I still do believe that that approach works very, very well.","start":2067.09,"end":2077.925,"sentiment":"positive","sentiment_score":0.35037341926779064},{"text":"Like you said, low fees tend to just play out well long term.","start":2078.3052,"end":2082.0051,"sentiment":"positive","sentiment_score":0.36451841317690337},{"text":"And sticking to a market for years in growth assets, generally speaking, if you've diversified enough, property shares, you're gonna get the growth compared to sitting all your money in the bank.","start":2082.5452,"end":2095.53,"sentiment":"neutral","sentiment_score":0.25498545495793223},{"text":"And what I'm basically saying is we're not trying to time the market because these things could happen over the span of two weeks, two months, or two years.","start":2097.75,"end":2105.845,"sentiment":"neutral","sentiment_score":-0.13498004480939488}],"sentiment":"neutral","sentiment_score":0.1711799321454708,"num_words":108,"start":2063.6501,"end":2105.845},{"sentences":[{"text":"And it was hard enough to time the market beforehand, but now it's basically impossible.","start":2106.305,"end":2112.885,"sentiment":"neutral","sentiment_score":-0.328825647632281},{"text":"So we're basically playing long term averages.","start":2115.7449,"end":2117.825,"sentiment":"neutral","sentiment_score":-0.020687434123829007},{"text":"And then when we do our investment committee reviews and we meet with fund managers, we basically check to make sure and stress test the portfolios to make sure whatever economic cycle happens outside that we can still capture whatever's growing at the time.","start":2117.825,"end":2131.6902,"sentiment":"neutral","sentiment_score":0.0005393625999038869},{"text":"Now I know I just went into, again, five different things, one, two, three, four, five, but does that kind of make sense?","start":2133.885,"end":2138.945,"sentiment":"neutral","sentiment_score":0.006562719688467358},{"text":"Volatility, long term, buy the dip with low fees, and watch out for the bubbles.","start":2139.165,"end":2145.185,"sentiment":"neutral","sentiment_score":0.11445900127291679}],"sentiment":"neutral","sentiment_score":-0.030631127182949476,"num_words":104,"start":2106.305,"end":2145.185},{"sentences":[{"text":"Yeah.","start":2168.875,"end":2169.375,"sentiment":"neutral","sentiment_score":0.10061290860176086},{"text":"Okay.","start":2189.9949,"end":2190.4949,"sentiment":"neutral","sentiment_score":0.17360062897205353},{"text":"I'll note that down, and I'll include it in the research.","start":2191.275,"end":2194.095,"sentiment":"neutral","sentiment_score":0.13476494767449118},{"text":"In.","start":2197.195,"end":2197.695,"sentiment":"neutral","sentiment_score":0.042006757110357285},{"text":"Done.","start":2201.035,"end":2201.435,"sentiment":"neutral","sentiment_score":0.0819733515381813}],"sentiment":"neutral","sentiment_score":0.12537387137611708,"num_words":15,"start":2168.875,"end":2201.435},{"sentences":[{"text":"So main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure.","start":2201.435,"end":2211.47,"sentiment":"neutral","sentiment_score":0.07840424919357666},{"text":"And generally speaking, I do have to ask, are you still okay with the the high growth profile?","start":2212.49,"end":2227.435,"sentiment":"neutral","sentiment_score":0.04676889369471206},{"text":"So when you're in high growth, you're 90% growth, that's or above.","start":2227.655,"end":2232.395,"sentiment":"neutral","sentiment_score":0.09332898166030645},{"text":"That's basically putting it all on the table, and the main risk reduction there is the diversification, the different sectors, the different asset types, not having turned upon defensive assets to offset the market crashing.","start":2233.1602,"end":2258.7952,"sentiment":"neutral","sentiment_score":0.06522162998361247},{"text":"A hedge.","start":2259.2551,"end":2259.915,"sentiment":"neutral","sentiment_score":-0.07352481782436371}],"sentiment":"neutral","sentiment_score":0.0659785565509591,"num_words":93,"start":2201.435,"end":2259.915},{"sentences":[{"text":"And generally speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful.","start":2266.77,"end":2274.07,"sentiment":"neutral","sentiment_score":-0.23682668715715408},{"text":"There are those scenarios that have happened where both the fixed interest markets and bonds go run at the same time as the growth So like you were saying, everything's going up at the same time.","start":2275.605,"end":2287.14,"sentiment":"neutral","sentiment_score":-0.09973402538647254},{"text":"There is that possibility that they all go down at the same time, and then you see a balanced fund seventy thirty going down to the same degree as a full 100% growth portfolio as well.","start":2287.38,"end":2298.8198,"sentiment":"neutral","sentiment_score":-0.0038678698086490235},{"text":"So it doesn't mean that just because we shade you down a risk profile that we're avoiding all risks.","start":2298.8198,"end":2303.425,"sentiment":"neutral","sentiment_score":-0.08040534959811914},{"text":"Yeah.","start":2322.36,"end":2322.76,"sentiment":"neutral","sentiment_score":-0.03869093209505081}],"sentiment":"neutral","sentiment_score":-0.09586946991805592,"num_words":117,"start":2266.77,"end":2322.76},{"sentences":[{"text":"And big changes ahead.","start":2322.76,"end":2324.62,"sentiment":"neutral","sentiment_score":-0.09247644245624542},{"text":"I've been basically waiting for certain things to, I guess, crash since 2012, keeping an eye on different, you know, property markets and bubbles and things like that.","start":2325.4001,"end":2334.9648,"sentiment":"neutral","sentiment_score":-0.3233263375503676},{"text":"And the painful part is even if you can see the huge risks and even if it's basically going to happen, when it's gonna happen is such a big question, whereas you think it's a you know, they increase interest rates in the property market, and then they went from 0% all the way up to six, and it still hasn't exploded yet.","start":2334.9648,"end":2353.9102,"sentiment":"negative","sentiment_score":-0.39100130682899836},{"text":"So those things can happen.","start":2353.9102,"end":2357.2048,"sentiment":"neutral","sentiment_score":0.06655827015638352},{"text":"I'd rather just for people super in general, like you said before, is you keep it as steady a ship as possible with the highest chance of hitting your goal as possible.","start":2357.425,"end":2365.365,"sentiment":"positive","sentiment_score":0.35211312398314476}],"sentiment":"neutral","sentiment_score":-0.1701190472213608,"num_words":132,"start":2322.76,"end":2365.365},{"sentences":[{"text":"And if we were doing some personal investments over five, ten years, we can have a little bit more of a play around, a little bit more short term thinking.","start":2365.505,"end":2372.1702,"sentiment":"neutral","sentiment_score":0.10870035986105601},{"text":"But for this one, it's basically try and get the highest return to better everybody else in the same scenarios.","start":2372.1702,"end":2377.3901,"sentiment":"neutral","sentiment_score":0.16404081843793392},{"text":"And if the world changes, to kind of adapt with it.","start":2378.01,"end":2380.99,"sentiment":"neutral","sentiment_score":0.013680042190985247},{"text":"Cool.","start":2385.05,"end":2385.55,"sentiment":"positive","sentiment_score":0.5844050049781799},{"text":"I'll basically get Michelle to book you in a couple of just to go through the updated portfolio, make happy with it before we change anything, and any tweaks and things like that.","start":2386.4348,"end":2396.915,"sentiment":"positive","sentiment_score":0.3344179118673007}],"sentiment":"neutral","sentiment_score":0.19276319710831893,"num_words":95,"start":2365.505,"end":2396.915},{"sentences":[{"text":"But, basically, I'm just gonna through a few models that we've got, see if there's a better fit, and then I'll take into account the specific requests as well in terms of the gold to get that bumped up as well without the portfolio.","start":2396.915,"end":2414.955,"sentiment":"neutral","sentiment_score":0.12717933872375975},{"text":"Cool.","start":2416.455,"end":2416.615,"sentiment":"neutral","sentiment_score":0.2967684864997864},{"text":"Any other considerations or anything that you can think of at the moment?","start":2416.615,"end":2419.835,"sentiment":"neutral","sentiment_score":0.1496467859699176},{"text":"Cool.","start":2424.135,"end":2424.455,"sentiment":"neutral","sentiment_score":-0.04605470970273018},{"text":"So basically, it picks up the portfolio, leave the insurances alone for the time being, let you go through all cash flow and debt goals as you see them.","start":2424.455,"end":2434.2898,"sentiment":"positive","sentiment_score":0.36978071979407606}],"sentiment":"neutral","sentiment_score":0.2104051565031775,"num_words":88,"start":2396.915,"end":2434.2898},{"sentences":[{"text":"We'll touch base if that changes and, you know, if you expand your family and so on.","start":2434.91,"end":2439.25,"sentiment":"positive","sentiment_score":0.3556598389849943},{"text":"And the last thing is just in terms of estate planning.","start":2440.19,"end":2444.295,"sentiment":"neutral","sentiment_score":0.21090871231122452},{"text":"I had a note there that you did actually put a will in place.","start":2445.155,"end":2447.875,"sentiment":"neutral","sentiment_score":0.15872587210365705},{"text":"Right.","start":2447.875,"end":2448.375,"sentiment":"neutral","sentiment_score":0.1041581928730011},{"text":"Now when you put that in place, do you remember putting in place a power of attorney?","start":2450.915,"end":2454.455,"sentiment":"neutral","sentiment_score":0.0391872605199323}],"sentiment":"neutral","sentiment_score":0.18931194882219035,"num_words":60,"start":2434.91,"end":2454.455},{"sentences":[{"text":"It's kinda that one where you're in hospital, someone connect on your behalf, doctors, access bank accounts, things like that.","start":2459.65,"end":2466.945,"sentiment":"neutral","sentiment_score":-0.03184315711259842},{"text":"Yep.","start":2474.145,"end":2474.465,"sentiment":"neutral","sentiment_score":-0.021583255380392075},{"text":"Okay.","start":2474.465,"end":2474.965,"sentiment":"neutral","sentiment_score":0.04404061287641525},{"text":"And for the fisheries, I do actually see there's no fishery on the super, and I will have to just Fair enough.","start":2476.145,"end":2490.84,"sentiment":"neutral","sentiment_score":0.010879994073713367},{"text":"Yeah.","start":2502.385,"end":2502.885,"sentiment":"neutral","sentiment_score":0.11488107591867448}],"sentiment":"neutral","sentiment_score":-0.0057814408714572585,"num_words":45,"start":2459.65,"end":2502.885},{"sentences":[{"text":"Is it easier to kind of email through to print out, get a witness, or if I just post to you with a return envelope.","start":2503.105,"end":2509.51,"sentiment":"neutral","sentiment_score":0.1817796164751053},{"text":"What's easier?","start":2509.51,"end":2510.25,"sentiment":"neutral","sentiment_score":0.2825961858034134},{"text":"It'll keep it kind of front setter and quick to act, and then you don't have to worry about, oh, look.","start":2518.95,"end":2523.3252,"sentiment":"positive","sentiment_score":0.3380798447344984},{"text":"I'll I'll print that out tonight and you forget.","start":2523.3252,"end":2525.185,"sentiment":"neutral","sentiment_score":0.13992687811454138},{"text":"Yeah.","start":2539.96,"end":2540.44,"sentiment":"neutral","sentiment_score":0.05441417545080185}],"sentiment":"neutral","sentiment_score":0.23315716554121724,"num_words":58,"start":2503.105,"end":2540.44},{"sentences":[{"text":"I'll someone to start.","start":2540.44,"end":2541.82,"sentiment":"neutral","sentiment_score":-0.007338196504861116},{"text":"Yeah.","start":2542.36,"end":2542.86,"sentiment":"neutral","sentiment_score":0.04787997901439667},{"text":"Cool.","start":2557.605,"end":2558.105,"sentiment":"neutral","sentiment_score":0.2260197103023529},{"text":"For the beneficiaries themselves, would it be helpful if I got someone to sort of prefill everything?","start":2558.8848,"end":2565.2102,"sentiment":"neutral","sentiment_score":0.07337562126271865},{"text":"So you just basically have to get it signed and Cool.","start":2565.2102,"end":2570.4302,"sentiment":"neutral","sentiment_score":0.0679142800244418}],"sentiment":"neutral","sentiment_score":0.065852633677423,"num_words":34,"start":2540.44,"end":2570.4302},{"sentences":[{"text":"So in terms of nominee, I don't wanna make any assumptions, but would you like to nominate for the super and if required, the life insurance?","start":2570.6501,"end":2578.3052,"sentiment":"neutral","sentiment_score":0.05990554206073284},{"text":"Yep.","start":2582.365,"end":2582.865,"sentiment":"neutral","sentiment_score":0.06490116566419601},{"text":"We have Sarah.","start":2584.2852,"end":2585.5051,"sentiment":"neutral","sentiment_score":0.055085789412260056},{"text":"Same same.","start":2587.245,"end":2588.55,"sentiment":"neutral","sentiment_score":0.061109866946935654},{"text":"Are you okay if I jot down her date of birth to put on the form?","start":2588.55,"end":2591.77,"sentiment":"neutral","sentiment_score":0.033602512208744884}],"sentiment":"neutral","sentiment_score":0.050990886598204575,"num_words":48,"start":2570.6501,"end":2591.77},{"sentences":[{"text":"No.","start":2596.87,"end":2597.11,"sentiment":"neutral","sentiment_score":-0.05283990129828453},{"text":"That's alright.","start":2597.11,"end":2597.85,"sentiment":"neutral","sentiment_score":-0.03287776093930006},{"text":"Nineteen nineties of April.","start":2605.685,"end":2608.185,"sentiment":"neutral","sentiment_score":0.0012337941443547606},{"text":"Sarah Hampshire.","start":2608.645,"end":2609.625,"sentiment":"neutral","sentiment_score":0.0013785636983811855},{"text":"I might just have an oh, I don't wanna stretch it too much, mate, but middle name, if you if you know off the top of your head.","start":2611.6052,"end":2616.78,"sentiment":"neutral","sentiment_score":-0.026413250115833113}],"sentiment":"neutral","sentiment_score":-0.022985787093135958,"num_words":37,"start":2596.87,"end":2616.78},{"sentences":[{"text":"F r a c I s.","start":2622.3,"end":2624.4001,"sentiment":"neutral","sentiment_score":-0.0032864139260103307},{"text":"And the same, I'm assuming.","start":2625.1,"end":2626.56,"sentiment":"neutral","sentiment_score":-0.0025326520670205356},{"text":"Same address for residential.","start":2629.74,"end":2631.28,"sentiment":"neutral","sentiment_score":0.001200859434902668},{"text":"Yep.","start":2632.1401,"end":2632.6401,"sentiment":"neutral","sentiment_score":0.021970197558403015},{"text":"And these are sometimes they can be silly questions, but you've got two options for the non type.","start":2634.035,"end":2639.3948,"sentiment":"neutral","sentiment_score":-0.030780402943491936}],"sentiment":"neutral","sentiment_score":-0.016460451811058995,"num_words":34,"start":2622.3,"end":2639.3948},{"sentences":[{"text":"You've got legally binding or not legally binding where the super fund has discretion.","start":2639.3948,"end":2645.575,"sentiment":"neutral","sentiment_score":-0.03189089708030224},{"text":"You've also got whether it lapses on them.","start":2647.04,"end":2649.38,"sentiment":"neutral","sentiment_score":-0.05447933590039611},{"text":"Legally binding is usually the way to go.","start":2649.52,"end":2651.46,"sentiment":"neutral","sentiment_score":-0.026701265014708042},{"text":"Still strange they offer that option and lapsing.","start":2652.56,"end":2654.9,"sentiment":"neutral","sentiment_score":0.061071749310940504},{"text":"Beautiful.","start":2655.1199,"end":2655.6199,"sentiment":"positive","sentiment_score":0.36636775732040405}],"sentiment":"neutral","sentiment_score":-0.00617886191377273,"num_words":39,"start":2639.3948,"end":2655.6199},{"sentences":[{"text":"100% non lapsing binding.","start":2656.64,"end":2658.66,"sentiment":"neutral","sentiment_score":0.1897338405251503},{"text":"You're just gonna get it with by two people who aren't the beneficiary on the same date, and you should be sweet.","start":2658.96,"end":2664.685,"sentiment":"neutral","sentiment_score":0.2525208836252039},{"text":"Cool.","start":2667.385,"end":2667.885,"sentiment":"positive","sentiment_score":0.5639520883560181},{"text":"So I do appreciate you taking the time on the holiday to dive into the weeds of eating super and economies with me.","start":2667.945,"end":2675.485,"sentiment":"positive","sentiment_score":0.5125447939271512},{"text":"Got no.","start":2679.6401,"end":2680.04,"sentiment":"neutral","sentiment_score":-0.09672573208808899}],"sentiment":"positive","sentiment_score":0.3552581862761424,"num_words":52,"start":2656.64,"end":2680.04},{"sentences":[{"text":"I don't this at all.","start":2680.04,"end":2681.34,"sentiment":"neutral","sentiment_score":-0.07971018142998218},{"text":"This is what I love to do.","start":2681.4001,"end":2682.68,"sentiment":"positive","sentiment_score":0.5106878493513379},{"text":"So whenever I get someone who's actually interested enough to dive into me, I take that chance because most people in Australia just go sort it out for me, mate, and that's it.","start":2682.68,"end":2690.86,"sentiment":"positive","sentiment_score":0.43596160682764923},{"text":"And look, can I say without being offensive that generally speaking, every time I see engineer, I see some who plans things?","start":2697.5452,"end":2705.725,"sentiment":"neutral","sentiment_score":-0.053880600428039375},{"text":"And every time I look at the goals, you've got in-depth goals stepped out.","start":2706.23,"end":2709.6099,"sentiment":"neutral","sentiment_score":0.1372489599244935}],"sentiment":"neutral","sentiment_score":0.22591492954503606,"num_words":81,"start":2680.04,"end":2709.6099},{"sentences":[{"text":"One, two, three, four, five, short, medium, long term.","start":2709.67,"end":2711.93,"sentiment":"neutral","sentiment_score":0.16172705756293404},{"text":"And I generally expect to get into investment discussions, and they've kind of almost look looking for two calls, I guess I would say.","start":2712.5498,"end":2725.2249,"sentiment":"neutral","sentiment_score":0.14521035583068928},{"text":"So quick recap.","start":2725.2249,"end":2726.765,"sentiment":"neutral","sentiment_score":0.19424848755200705},{"text":"Beneficiaries, leave the insurance, update the portfolio, no salary sacrifice, but your goals updated there as well.","start":2727.065,"end":2734.54,"sentiment":"neutral","sentiment_score":0.3091077103334315},{"text":"And anything investment related, that will be in the future possibly.","start":2735.8801,"end":2739.74,"sentiment":"neutral","sentiment_score":0.21167008849707517}],"sentiment":"neutral","sentiment_score":0.20478968077804893,"num_words":64,"start":2709.67,"end":2739.74},{"sentences":[{"text":"Any other area questions on your end?","start":2740.68,"end":2742.86,"sentiment":"neutral","sentiment_score":0.06534443848899432},{"text":"Personal investments that are identical platform.","start":2767.3,"end":2771.8,"sentiment":"neutral","sentiment_score":-0.022540653745333355},{"text":"So, again, you're held in your personal name versus super, so the is the different, but they're the exact same product.","start":2772.1,"end":2779.1548,"sentiment":"neutral","sentiment_score":0.01484446216463333},{"text":"So Hub has three menus, Discover, Core, and Choice.","start":2779.375,"end":2784.1948,"sentiment":"neutral","sentiment_score":0.0877159225443999},{"text":"You're in the Choice menu that has all the extra investment options and features, and they do offer them personally as well.","start":2784.4949,"end":2791.53,"sentiment":"neutral","sentiment_score":0.16687265444885602}],"sentiment":"neutral","sentiment_score":0.07837757774127217,"num_words":65,"start":2740.68,"end":2791.53},{"sentences":[{"text":"You basically have the same login.","start":2791.53,"end":2793.47,"sentiment":"neutral","sentiment_score":0.06816497134665649},{"text":"I do that often.","start":2793.93,"end":2795.23,"sentiment":"neutral","sentiment_score":0.030134418047964573},{"text":"You've just gotta be careful in terms of because Hub's a wrap platform.","start":2795.69,"end":2799.45,"sentiment":"neutral","sentiment_score":-0.0853344714985444},{"text":"They've got the most options.","start":2799.45,"end":2800.49,"sentiment":"neutral","sentiment_score":0.06816385388374328},{"text":"They've got the most features.","start":2800.49,"end":2801.71,"sentiment":"neutral","sentiment_score":0.05140233263373375}],"sentiment":"neutral","sentiment_score":0.0005457667690334898,"num_words":33,"start":2791.53,"end":2801.71},{"sentences":[{"text":"They tend to be higher cost.","start":2802.075,"end":2803.695,"sentiment":"neutral","sentiment_score":-0.2517515942454338},{"text":"So they're not really good for someone who's under a 100,000.","start":2803.9949,"end":2807.2148,"sentiment":"neutral","sentiment_score":-0.28101963888515125},{"text":"You can start off in the lower menus when you're at about 50.","start":2808.635,"end":2812.015,"sentiment":"neutral","sentiment_score":0.07744109745209034},{"text":"I have built a couple of portfolios for people to start off with 20.","start":2812.555,"end":2816.095,"sentiment":"neutral","sentiment_score":0.1616169163691146},{"text":"But anything at, like, 20 and below mark, you might in a different provider until you build it up.","start":2816.67,"end":2822.05,"sentiment":"neutral","sentiment_score":-0.019563137700683193}],"sentiment":"neutral","sentiment_score":-0.02704847799170585,"num_words":63,"start":2802.075,"end":2822.05},{"sentences":[{"text":"Yeah.","start":2834.905,"end":2835.385,"sentiment":"neutral","sentiment_score":0.2154627740383148},{"text":"And the main thing is, are we doing a one off lump sum investment, or are we doing, like, an investment plan where we dollar cost average x amount per week or month?","start":2835.385,"end":2846.4602,"sentiment":"neutral","sentiment_score":0.17875276551102148},{"text":"That's a a big thing as well when choosing platforms.","start":2846.76,"end":2849.6602,"sentiment":"neutral","sentiment_score":0.3003548890352249},{"text":"Yeah.","start":2853.4001,"end":2853.9001,"sentiment":"neutral","sentiment_score":0.1741328239440918},{"text":"Entry fee, brokerage fees.","start":2854.28,"end":2855.8801,"sentiment":"neutral","sentiment_score":0.14847898855805397}],"sentiment":"neutral","sentiment_score":0.20175309600878735,"num_words":49,"start":2834.905,"end":2855.8801},{"sentences":[{"text":"Some of them are good for the one offs, some are good for the regular, and some good for lower or higher balance as well.","start":2855.8801,"end":2861.945,"sentiment":"positive","sentiment_score":0.34202088832855226},{"text":"Yep.","start":2877.98,"end":2878.3,"sentiment":"neutral","sentiment_score":0.2561953663825989},{"text":"And what we basically do is we go through an up good risk profile discussion just on the personal side of things in terms of what time frame you need to invest in, and we'll go a bit for into investment styles that might suit the personal goals.","start":2878.3,"end":2893.555,"sentiment":"neutral","sentiment_score":0.21957751316949725},{"text":"What are you it for time frames?","start":2894.015,"end":2896.4348,"sentiment":"neutral","sentiment_score":0.1531742193869182},{"text":"You know, is it to supplement an earlier retirement?","start":2897.055,"end":2899.295,"sentiment":"neutral","sentiment_score":0.15836981352832583}],"sentiment":"neutral","sentiment_score":0.24271095626884037,"num_words":90,"start":2855.8801,"end":2899.295},{"sentences":[{"text":"So or is it just grow some wealth in the background, or is it even investments for children, you know, child homes and things like that?","start":2899.295,"end":2905.77,"sentiment":"neutral","sentiment_score":0.19800801317279154},{"text":"So I'll get the portfolio fixed up first, and then we can kind of tee up a bit of a time to go through a bit more depth, if that's alright.","start":2905.77,"end":2914.075,"sentiment":"neutral","sentiment_score":0.2656802136090494},{"text":"Aside of that, the last thing I was gonna mention just before I go is just in terms of email addresses.","start":2918.775,"end":2924.4749,"sentiment":"neutral","sentiment_score":0.10211874438183648},{"text":"So your account is linked to RPS Consulting on Hub four.","start":2924.615,"end":2931.6501,"sentiment":"neutral","sentiment_score":0.1258229139176282},{"text":"Now are you okay if that one to be, like, the main driving email address between Hub twenty four and your Yep.","start":2932.75,"end":2945.475,"sentiment":"neutral","sentiment_score":0.17632611536166884}],"sentiment":"neutral","sentiment_score":0.18731545213911985,"num_words":111,"start":2899.295,"end":2945.475},{"sentences":[{"text":"I yeah.","start":2961.45,"end":2962.97,"sentiment":"neutral","sentiment_score":-0.050695307552814484},{"text":"I wish I wish we have all that control on our system for when we reach out to you and so on.","start":2962.97,"end":2969.645,"sentiment":"neutral","sentiment_score":0.035432769832285965},{"text":"Hub 24 is just locked into one, so any documentation we send them has to be signed by that email address.","start":2970.1052,"end":2976.8452,"sentiment":"neutral","sentiment_score":0.005838880138028236},{"text":"Yep.","start":2984.58,"end":2985.08,"sentiment":"neutral","sentiment_score":0.03309343755245209},{"text":"Cool.","start":2985.94,"end":2986.34,"sentiment":"positive","sentiment_score":0.3941872715950012}],"sentiment":"neutral","sentiment_score":0.026128244962781034,"num_words":47,"start":2961.45,"end":2986.34},{"sentences":[{"text":"So what we'll do is just in terms of that review pack, I'll resend that through to RPS Consulting just so it matches up because we do require consent to remain advisers and so on, and they wouldn't accept DocuSign from the other email address.","start":2986.34,"end":3001.355,"sentiment":"neutral","sentiment_score":0.11561116634143723},{"text":"And then we'll get you booked in for the the updated plan, go through that one, and then we'll have that chat about the investments.","start":3001.735,"end":3010.8198,"sentiment":"neutral","sentiment_score":0.20738511860370637},{"text":"So just to kind of cap off those documents that you've got there, we have an updated service guide.","start":3011.2,"end":3019.6199,"sentiment":"neutral","sentiment_score":0.12045571051145855},{"text":"So it won't you right now, but please bear in mind the consent form to remain a client review.","start":3019.76,"end":3025.815,"sentiment":"neutral","sentiment_score":0.05458762928059226},{"text":"We charge 1.65% spread through the year, and then you get a 15% rebate off of that.","start":3026.195,"end":3032.4548,"sentiment":"neutral","sentiment_score":0.18010610079064088}],"sentiment":"neutral","sentiment_score":0.13419806095957756,"num_words":125,"start":2986.34,"end":3032.4548},{"sentences":[{"text":"We are putting in place a tiered fee structure.","start":3032.595,"end":3035.01,"sentiment":"neutral","sentiment_score":0.15109620243310928},{"text":"So everybody above 200 down, the percentage will reduce, and then above 500,000, it'll reduce further as well.","start":3035.49,"end":3043.19,"sentiment":"neutral","sentiment_score":0.0843660214708911},{"text":"Cool.","start":3045.17,"end":3045.67,"sentiment":"neutral","sentiment_score":0.2887522578239441},{"text":"There is yeah.","start":3045.81,"end":3051.395,"sentiment":"neutral","sentiment_score":0.12304504464070003},{"text":"The other last one is the there's a bit of a lost super there.","start":3055.7751,"end":3058.895,"sentiment":"neutral","sentiment_score":-0.1026896493775504}],"sentiment":"neutral","sentiment_score":0.04663747797409693,"num_words":45,"start":3032.595,"end":3058.895},{"sentences":[{"text":"I know it's probably a bit redundant, but we do for every client just do a one off ping to the government database to see if there's any other holding funds floating around under their name.","start":3058.895,"end":3069.16,"sentiment":"neutral","sentiment_score":0.03379608183685276},{"text":"So if you're comfortable with, we've even included that in the doc pack as well.","start":3069.16,"end":3073.5,"sentiment":"neutral","sentiment_score":0.1916637271642685},{"text":"Correct.","start":3086.325,"end":3086.825,"sentiment":"neutral","sentiment_score":-0.05069255083799362},{"text":"So that just brings open the documents.","start":3087.2048,"end":3089.365,"sentiment":"neutral","sentiment_score":-0.013423167169094086},{"text":"I'll actually caution you not to sign it Gmail address because we wouldn't even be able to submit the documents to Hub unless it's under RPS Consulting.","start":3089.365,"end":3097.02,"sentiment":"neutral","sentiment_score":-0.21733015334164654}],"sentiment":"neutral","sentiment_score":-0.022336674507620724,"num_words":86,"start":3058.895,"end":3097.02},{"sentences":[{"text":"So I'll resend the pack through to that email address.","start":3097.4001,"end":3100.54,"sentiment":"neutral","sentiment_score":-0.05261553209275007},{"text":"The only two documents to sign if comfortable is the service statement and the lost super search.","start":3100.76,"end":3106.22,"sentiment":"neutral","sentiment_score":0.01174235124798382},{"text":"And then when we have the updated advice plan, there'll be an authority on that before we can change investments.","start":3106.515,"end":3112.135,"sentiment":"neutral","sentiment_score":0.032057077437639234},{"text":"Cool.","start":3115.635,"end":3116.135,"sentiment":"positive","sentiment_score":0.4318819642066955},{"text":"Alrighty.","start":3116.755,"end":3117.255,"sentiment":"neutral","sentiment_score":0.31653183698654175}],"sentiment":"neutral","sentiment_score":0.02169428571906625,"num_words":49,"start":3097.4001,"end":3117.255},{"sentences":[{"text":"Any questions for me before I let you Tell me.","start":3117.395,"end":3122.42,"sentiment":"neutral","sentiment_score":0.05305106807500124},{"text":"No worries at all, John.","start":3125.2,"end":3126.6602,"sentiment":"positive","sentiment_score":0.38902552127838136},{"text":"Mate, pleasure speaking with you, and thank you so much for taking an hour out of your holiday.","start":3127.28,"end":3131.745,"sentiment":"positive","sentiment_score":0.7193752063645257},{"text":"We will basically reach out in a couple of weeks' time, and I look showing you what we come up with for the portfolio.","start":3132.145,"end":3138.0051,"sentiment":"positive","sentiment_score":0.3607675423845649},{"text":"Awesome.","start":3140.945,"end":3141.3452,"sentiment":"positive","sentiment_score":0.8038454055786133}],"sentiment":"positive","sentiment_score":0.4290803176639923,"num_words":58,"start":3117.395,"end":3141.3452},{"sentences":[{"text":"Have a great day.","start":3141.3452,"end":3142.0652,"sentiment":"positive","sentiment_score":0.7730585187673569},{"text":"Cheers.","start":3142.0652,"end":3142.5652,"sentiment":"neutral","sentiment_score":-0.09377053380012512}],"sentiment":"positive","sentiment_score":0.5996927082538605,"num_words":5,"start":3141.3452,"end":3142.5652}]}}]},{"alternatives":[{"transcript":"Hello. Is this Jonathan? Am I doing well? Yourself? Not good on it. 03/22/1989. 50 Postal Garden, Alice Springs. I might have difficulty reviewing attachments on that one. So could we please send it to my Gmail? Alright. You're pricing up a bit there. Could you say it again? No. That should do it. Mhmm. Mhmm. Mhmm. Yeah. Sure. Like, we would be looking to have another child. I guess that's what goes into the interview. No. That's that's my current salary. Yeah. Yep. I'm making good point. So I've recently started having a an evaded late. I how much was it? $57 a v. No. I only got it. I would have purchased it just before end of financial year. Yeah. Mhmm. Yeah. I didn't think that impacted what the models that we were looking at. I don't know if doing anything there. Yeah. What was that value, sir? Mhmm. Yeah. That's probably alright. Like, we'd hope to sell it to 500,000, but I wouldn't be surprised if it's it's a bit with the recent changes in pricing You know, like, federal laws. Yes. Yep. And the loan is, yeah, $3.20 what? $3.23, $3.24. Mhmm. Yeah. That's right. Yeah. Offset account. 34. Cool. No. No. Yeah. Like, I am thinking that I might start going in, like, looking to a different customer investing plan. Yeah. Right? Well, it should be well, been a long time. Is it just for temporary? Because I'm wondering if there are other reasons for the income protection. Mhmm. Sure. Yeah. Okay. Okay. Yeah. Right. Okay. Yeah. Yeah. Yeah. I think that would be good. Yep. Okay. I I can read it. Okay? Yeah. Yes. Mhmm. Yeah. Like, that one was underperforming last year as well. And so now yeah. I'm fucking up money for you. Mhmm. Mhmm. Mhmm. Yes. So phasing out sounds good. What are we thinking of it? Yeah. Like, my general understanding is extra fee, APN to is the fee relative to the dollar value investment? Yeah. Yeah. Yeah. Like, I'm I'm generally for lower fees, but I think on the whole, we end up up performing better overall. Mhmm. Mhmm. Alright, mate. I'll just get there. Yeah. I can. You just completely just said yes. Well, yeah. So the past financial year, well well, August, August, I'm looking at a 5% growth. Is that what I'm reading there, roughly? It's pretty low. Yeah. Yeah. Yeah. Well, yeah. But the market as a whole has been has been fighting. Like, that's the crazy thing. Bonds are up. Shares are up. Gold's up. Like, everything's going up right now. So quite honestly, I'm a bit astounded that I've only got a 5% IRR here. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, yeah, we're looking at a what is that? 25% loss. Yeah. Okay. At at a time? Sure. Mhmm. Okay. And I update them now. What what do you mean by that? Yep. Yep. Okay. Sure. Yeah. And so the fourth option down there, those India funds, they're also, you know, performed pretty poorly. What are we thinking with that? Mhmm. Okay. Yeah. No. That's sensible. Yeah. Yeah. No. That that makes sense to me. I can see India growing, so that's all good. Is it like it's not an in-depth fund. What is an ETF, actually? Portfolio type that. Yep. But who just died? Like, who packages that? Yeah. Sure. Sure. So it's not something that you guys yourselves are packaging. I hope you you'll you'll buy it off. Yeah. Off some brokerage, wherever they're located. Yeah. That's fine. No. Yeah. Yeah. Yeah. But yeah. Yeah. India. Yeah. I'm happy to take it to India. That makes sense in the long term. Cool. Yeah. So I guess one thing I'd like to tell you is, like, what what's the share I've got in gold at the moment today? I was just looking. I don't think I've written probably on my phone, which is on. Let me just see how I like, what the app yeah. But there you go. I don't even download it. There you go. I'll I'll I'll do that. Yeah. I've only got my phone here with me right now. I'm actually on holiday. So, yeah, what's wrong with this for today? Mhmm. Yep. K. Yeah. No. That sounds fine. I I'm trying to think of what? Sorry. Do you have any idea what my login ID would be? Is it just my email address? Or Mhmm. Yeah. Let's do that. Mhmm. Okay. One 36727 62. Right. Yeah. Wonderful. I guess I'll just have a start with my password in there. Okay. I thought I'd copy my my date. 137. What's the rest of it? Let me do the recapture twice. Yeah. That's definitely better. Before we do retirement, could I just ask what's that right? 13673762. Alright, mate. I am still on hold. I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself. But, you know, there's a lot of uncertainty in the market generally. You know, fears of a crash from this, that, or the other thing. So, yeah, what what is the medium to long term perspective on that? Like, especially in terms of the AI bubble. Yep. Yeah. And what's the underlying reason for that? Well, probably multiple, but major. Mhmm. Mhmm. Yes. Mhmm. Yeah. Yeah. Exactly. Yes. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. It's yeah. It it it certainly makes sense for Super just to do the the long term diversification strategy. Like yeah. I've got a commerce degree finance degree, but I never really pursued it that much. But, yeah, yeah, you're not really telling me anything new, and that's fine. It just makes sense. It's it's stable. So probably just one more thing before we move on. I think I would be interested in getting more in gold itself. I can see that continuing to grow. So I think anyway, from 50 to a 100% increase in current gold investment in my portfolio, I think I'd appreciate. Yeah. Like, I was I think you said some sitting around 7.4% risk profile. Is that was that the number? Yep. Yeah. Yeah. For sure. Yeah. I know. Yeah. No. That makes sense. Thank you. Like, outside of in that increase in gold, which I think is traditionally more of a a fantastic. Yeah. No. I'm quite happy to keep keep in that high growth. Yeah. Yeah. Yeah. No. I I think not only do we have a few economic bubbles, and I I can see that we've got well, I see that we've got a a market as a whole bubble of some description. So who knows how that'll play out? Maybe it's the world we live in now. Yeah. Yeah. Yeah. Yeah. That sounds good. Mhmm. No. Nothing right now. Yeah. That's not my head. Probably not. No. I think I only did in terms of, like, the financials. Yeah. I think nothing in terms of that. I yeah. I keep forgetting to process that. Yeah. It's yeah. Not good. I don't know if there's some way you can get that to me. I won't be able to action it this week on holiday, but maybe next week would be good for me. Yeah. I think transfer you to post it because that return envelope just saves me some hassle. Exactly. That's a period. Yeah. Well yeah. Exactly. More so just having to get the envelope. Light. I don't I don't do much. Yeah. Anyway, yeah, if you send that through, that'd be good. What day is it today? Wednesday. So the only thing I'd ask is Yeah. I I just don't want it arriving before the weekend because, you know, I'm I'm you know what? It'd be okay if it arrives on Friday. I'm flying back on Saturday. That's okay. Yeah. Yeah. Let's just get that done. Mhmm. Oh, yeah. Let's do that. Yes. So both of them going to my wife, Sarah. Yep. Let me just be double insured. I've got four family members in the family. 04/06/1990. Francis, f r a n c I s. First name. Yes. I think labeling properly. Yep. And no less. Yeah. Yes. Oh, good. Appreciate it. Yeah. Yeah. Not not the engineering curiosity takes over. But I'm not Yes. Sure. Sure. That is good. Like, a random question I've got is just regarding Hub twenty four. So, like, now that I've got it here, did you mention that Hub twenty four also does like, it's an option for oh, no. It's failing me. The personal investment, or is it only an access point for super? Yeah. Yeah. Yes. I guess that's a piece of advice I'd be looking for. Like, that's kind of the first step I need to take is the timing. Yeah. How how I would Yeah. Okay. Different fees or something taking part in that. Yes. Yeah. Fair enough. Yeah. I know that's probably outside the curve of what we're doing here, but I know for you guys financial advice, so it'd be good to arrange a time to, I guess, talk about general strategy. Yeah. Mhmm. Mhmm. Mhmm. It's the inbox that I look at most frequently. So I want it to be my primary contact. Probably would be better like like, is there a different selection for you guys between the email that support my contact and the email that's associated with my account? Do you know what I mean? Like, logins and the like? Yeah. Yeah. Yeah. No. Look. That's fine as it is. I'm not planning on going anywhere anytime soon, so we'll we'll keep it as is for now. Yep. Sure. So the baseline site design, that's not that 1.64%. Yeah. Okay. Mhmm. Yeah. Sure. So that says Vanguard. Services. So what is it that I'm doing with the services just to be able to review it at this point? I'm not signing anything, am I? Easy. I'm sorry. I forgot your name. Okay. Awesome. Thanks a lot of time. Okay. 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Is this Jonathan? Am I doing well? Yourself? Not good on it.\n\n03/22/1989. 50 Postal Garden, Alice Springs. I might have difficulty reviewing attachments on that one. So could we please send it to my Gmail? Alright.\n\nYou're pricing up a bit there. Could you say it again? No. That should do it. Mhmm.\n\nMhmm. Mhmm. Yeah. Sure. Like, we would be looking to have another child.\n\nI guess that's what goes into the interview. No. That's that's my current salary. Yeah. Yep.\n\nI'm making good point. So I've recently started having a an evaded late. I how much was it? $57 a v. No.\n\nI only got it. I would have purchased it just before end of financial year. Yeah. Mhmm. Yeah.\n\nI didn't think that impacted what the models that we were looking at. I don't know if doing anything there. Yeah. What was that value, sir? Mhmm.\n\nYeah. That's probably alright. Like, we'd hope to sell it to 500,000, but I wouldn't be surprised if it's it's a bit with the recent changes in pricing You know, like, federal laws. Yes. Yep.\n\nAnd the loan is, yeah, $3.20 what? $3.23, $3.24. Mhmm. Yeah. That's right.\n\nYeah. Offset account. 34. Cool. No.\n\nNo. Yeah. Like, I am thinking that I might start going in, like, looking to a different customer investing plan. Yeah. Right?\n\nWell, it should be well, been a long time. Is it just for temporary? Because I'm wondering if there are other reasons for the income protection. Mhmm. Sure.\n\nYeah. Okay. Okay. Yeah. Right.\n\nOkay. Yeah. Yeah. Yeah. I think that would be good.\n\nYep. Okay. I I can read it. Okay? Yeah.\n\nYes. Mhmm. Yeah. Like, that one was underperforming last year as well. And so now yeah.\n\nI'm fucking up money for you. Mhmm. Mhmm. Mhmm. Yes.\n\nSo phasing out sounds good. What are we thinking of it? Yeah. Like, my general understanding is extra fee, APN to is the fee relative to the dollar value investment? Yeah.\n\nYeah. Yeah. Like, I'm I'm generally for lower fees, but I think on the whole, we end up up performing better overall. Mhmm. Mhmm.\n\nAlright, mate. I'll just get there. Yeah. I can. You just completely just said yes.\n\nWell, yeah. So the past financial year, well well, August, August, I'm looking at a 5% growth. Is that what I'm reading there, roughly? It's pretty low. Yeah.\n\nYeah. Yeah. Well, yeah. But the market as a whole has been has been fighting. Like, that's the crazy thing.\n\nBonds are up. Shares are up. Gold's up. Like, everything's going up right now. So quite honestly, I'm a bit astounded that I've only got a 5% IRR here.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Well, yeah, we're looking at a what is that? 25% loss. Yeah.\n\nOkay. At at a time? Sure. Mhmm. Okay.\n\nAnd I update them now. What what do you mean by that? Yep. Yep. Okay.\n\nSure. Yeah. And so the fourth option down there, those India funds, they're also, you know, performed pretty poorly. What are we thinking with that? Mhmm.\n\nOkay. Yeah. No. That's sensible. Yeah.\n\nYeah. No. That that makes sense to me. I can see India growing, so that's all good. Is it like it's not an in-depth fund.\n\nWhat is an ETF, actually? Portfolio type that. Yep. But who just died? Like, who packages that?\n\nYeah. Sure. Sure. So it's not something that you guys yourselves are packaging. I hope you you'll you'll buy it off.\n\nYeah. Off some brokerage, wherever they're located. Yeah. That's fine. No.\n\nYeah. Yeah. Yeah. But yeah. Yeah.\n\nIndia. Yeah. I'm happy to take it to India. That makes sense in the long term. Cool.\n\nYeah. So I guess one thing I'd like to tell you is, like, what what's the share I've got in gold at the moment today? I was just looking. I don't think I've written probably on my phone, which is on. Let me just see how I like, what the app yeah.\n\nBut there you go. I don't even download it. There you go. I'll I'll I'll do that. Yeah.\n\nI've only got my phone here with me right now. I'm actually on holiday. So, yeah, what's wrong with this for today? Mhmm. Yep.\n\nK. Yeah. No. That sounds fine. I I'm trying to think of what?\n\nSorry. Do you have any idea what my login ID would be? Is it just my email address? Or Mhmm. Yeah.\n\nLet's do that. Mhmm. Okay. One 36727 62. Right.\n\nYeah. Wonderful. I guess I'll just have a start with my password in there. Okay. I thought I'd copy my my date.\n\n137. What's the rest of it? Let me do the recapture twice. Yeah. That's definitely better.\n\nBefore we do retirement, could I just ask what's that right? 13673762. Alright, mate. I am still on hold. I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself.\n\nBut, you know, there's a lot of uncertainty in the market generally. You know, fears of a crash from this, that, or the other thing. So, yeah, what what is the medium to long term perspective on that? Like, especially in terms of the AI bubble. Yep.\n\nYeah. And what's the underlying reason for that? Well, probably multiple, but major. Mhmm. Mhmm.\n\nYes. Mhmm. Yeah. Yeah. Exactly.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yeah. It's yeah. It it it certainly makes sense for Super just to do the the long term diversification strategy. Like yeah.\n\nI've got a commerce degree finance degree, but I never really pursued it that much. But, yeah, yeah, you're not really telling me anything new, and that's fine. It just makes sense. It's it's stable. So probably just one more thing before we move on.\n\nI think I would be interested in getting more in gold itself. I can see that continuing to grow. So I think anyway, from 50 to a 100% increase in current gold investment in my portfolio, I think I'd appreciate. Yeah. Like, I was I think you said some sitting around 7.4% risk profile.\n\nIs that was that the number? Yep. Yeah. Yeah. For sure.\n\nYeah. I know. Yeah. No. That makes sense.\n\nThank you. Like, outside of in that increase in gold, which I think is traditionally more of a a fantastic. Yeah. No. I'm quite happy to keep keep in that high growth.\n\nYeah. Yeah. Yeah. No. I I think not only do we have a few economic bubbles, and I I can see that we've got well, I see that we've got a a market as a whole bubble of some description.\n\nSo who knows how that'll play out? Maybe it's the world we live in now. Yeah. Yeah. Yeah.\n\nYeah. That sounds good. Mhmm. No. Nothing right now.\n\nYeah. That's not my head. Probably not. No. I think I only did in terms of, like, the financials.\n\nYeah. I think nothing in terms of that. I yeah. I keep forgetting to process that. Yeah.\n\nIt's yeah. Not good. I don't know if there's some way you can get that to me. I won't be able to action it this week on holiday, but maybe next week would be good for me. Yeah.\n\nI think transfer you to post it because that return envelope just saves me some hassle. Exactly. That's a period. Yeah. Well yeah.\n\nExactly. More so just having to get the envelope. Light. I don't I don't do much. Yeah.\n\nAnyway, yeah, if you send that through, that'd be good. What day is it today? Wednesday. So the only thing I'd ask is Yeah. I I just don't want it arriving before the weekend because, you know, I'm I'm you know what?\n\nIt'd be okay if it arrives on Friday. I'm flying back on Saturday. That's okay. Yeah. Yeah.\n\nLet's just get that done. Mhmm. Oh, yeah. Let's do that. Yes.\n\nSo both of them going to my wife, Sarah. Yep. Let me just be double insured. I've got four family members in the family. 04/06/1990.\n\nFrancis, f r a n c I s. First name. Yes. I think labeling properly. Yep.\n\nAnd no less. Yeah. Yes. Oh, good. Appreciate it.\n\nYeah. Yeah. Not not the engineering curiosity takes over. But I'm not Yes. Sure.\n\nSure. That is good. Like, a random question I've got is just regarding Hub twenty four. So, like, now that I've got it here, did you mention that Hub twenty four also does like, it's an option for oh, no. It's failing me.\n\nThe personal investment, or is it only an access point for super? Yeah. Yeah. Yes. I guess that's a piece of advice I'd be looking for.\n\nLike, that's kind of the first step I need to take is the timing. Yeah. How how I would Yeah. Okay. Different fees or something taking part in that.\n\nYes. Yeah. Fair enough. Yeah. I know that's probably outside the curve of what we're doing here, but I know for you guys financial advice, so it'd be good to arrange a time to, I guess, talk about general strategy.\n\nYeah. Mhmm. Mhmm. Mhmm. It's the inbox that I look at most frequently.\n\nSo I want it to be my primary contact. Probably would be better like like, is there a different selection for you guys between the email that support my contact and the email that's associated with my account? Do you know what I mean? Like, logins and the like? Yeah.\n\nYeah. Yeah. No. Look. That's fine as it is.\n\nI'm not planning on going anywhere anytime soon, so we'll we'll keep it as is for now. Yep. Sure. So the baseline site design, that's not that 1.64%. Yeah.\n\nOkay. Mhmm. Yeah. Sure. So that says Vanguard.\n\nServices. So what is it that I'm doing with the services just to be able to review it at this point? I'm not signing anything, am I? Easy. I'm sorry.\n\nI forgot your name. Okay. Awesome. Thanks a lot of time. Okay.\n\nThank you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.02511710301041603},{"text":"Is this Jonathan?","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.02873539427916209},{"text":"Am I doing well?","start":7.7599998,"end":8.559999,"sentiment":"neutral","sentiment_score":0.31205277889966965},{"text":"Yourself?","start":8.559999,"end":9.059999,"sentiment":"neutral","sentiment_score":0.25960177183151245},{"text":"Not good on it.","start":17.635,"end":18.695,"sentiment":"negative","sentiment_score":-0.49227774888277054}],"sentiment":"neutral","sentiment_score":-0.02692114017330683,"num_words":13,"start":1.8399999,"end":18.695},{"sentences":[{"text":"03/22/1989.","start":31.49,"end":33.67,"sentiment":"neutral","sentiment_score":0.00507816718891263},{"text":"50 Postal Garden, Alice Springs.","start":34.93,"end":37.03,"sentiment":"neutral","sentiment_score":0.009349446231499314},{"text":"I might have difficulty reviewing attachments on that one.","start":55.83,"end":60.89,"sentiment":"neutral","sentiment_score":-0.14664386378394234},{"text":"So could we please send it to my Gmail?","start":60.95,"end":63.61,"sentiment":"neutral","sentiment_score":-0.027056385866469808},{"text":"Alright.","start":89.96,"end":90.439995,"sentiment":"neutral","sentiment_score":0.036496542394161224}],"sentiment":"neutral","sentiment_score":-0.058999212244525555,"num_words":25,"start":31.49,"end":90.439995},{"sentences":[{"text":"You're pricing up a bit there.","start":90.439995,"end":91.479996,"sentiment":"neutral","sentiment_score":0.005888164974749088},{"text":"Could you say it again?","start":91.479996,"end":92.53999,"sentiment":"neutral","sentiment_score":0.011345624923706055},{"text":"No.","start":104.095,"end":104.415,"sentiment":"neutral","sentiment_score":-0.10737571120262146},{"text":"That should do it.","start":104.415,"end":105.395004,"sentiment":"neutral","sentiment_score":-0.041145830415189266},{"text":"Mhmm.","start":115.16,"end":115.66,"sentiment":"neutral","sentiment_score":0.04901406913995743}],"sentiment":"neutral","sentiment_score":-0.007699285250376253,"num_words":17,"start":90.439995,"end":115.66},{"sentences":[{"text":"Mhmm.","start":127.445,"end":127.945,"sentiment":"neutral","sentiment_score":0.05870770663022995},{"text":"Mhmm.","start":153.02501,"end":153.52501,"sentiment":"neutral","sentiment_score":0.03566603362560272},{"text":"Yeah.","start":187.53499,"end":187.855,"sentiment":"neutral","sentiment_score":0.11394268274307252},{"text":"Sure.","start":187.855,"end":188.355,"sentiment":"neutral","sentiment_score":0.11959004402160645},{"text":"Like, we would be looking to have another child.","start":198.23,"end":200.25,"sentiment":"neutral","sentiment_score":0.030670051980349753}],"sentiment":"neutral","sentiment_score":0.046456687295666106,"num_words":13,"start":127.445,"end":200.25},{"sentences":[{"text":"I guess that's what goes into the interview.","start":201.59,"end":203.54001,"sentiment":"neutral","sentiment_score":0.021822384442202747},{"text":"No.","start":228.38,"end":228.70001,"sentiment":"neutral","sentiment_score":-0.1524367332458496},{"text":"That's that's my current salary.","start":228.70001,"end":230.14,"sentiment":"neutral","sentiment_score":-0.16097073554992675},{"text":"Yeah.","start":230.14,"end":230.64,"sentiment":"neutral","sentiment_score":0.03486812859773636},{"text":"Yep.","start":254.46,"end":254.96,"sentiment":"neutral","sentiment_score":0.00355679914355278}],"sentiment":"neutral","sentiment_score":-0.04651790048228577,"num_words":16,"start":201.59,"end":254.96},{"sentences":[{"text":"I'm making good point.","start":260.845,"end":261.805,"sentiment":"neutral","sentiment_score":0.22131194546818733},{"text":"So I've recently started having a an evaded late.","start":261.805,"end":265.665,"sentiment":"neutral","sentiment_score":-0.10544302728441027},{"text":"I how much was it?","start":267.405,"end":268.20502,"sentiment":"neutral","sentiment_score":-0.0226951964199543},{"text":"$57 a v.","start":268.20502,"end":270.065,"sentiment":"neutral","sentiment_score":-0.0015869787118087213},{"text":"No.","start":286.66,"end":286.9,"sentiment":"neutral","sentiment_score":-0.16102266311645508}],"sentiment":"neutral","sentiment_score":-0.015590865683572536,"num_words":22,"start":260.845,"end":286.9},{"sentences":[{"text":"I only got it.","start":286.9,"end":288.12,"sentiment":"neutral","sentiment_score":-0.1741478368639946},{"text":"I would have purchased it just before end of financial year.","start":288.825,"end":291.625,"sentiment":"neutral","sentiment_score":-0.061955238269134},{"text":"Yeah.","start":291.625,"end":292.125,"sentiment":"neutral","sentiment_score":0.0016524698585271835},{"text":"Mhmm.","start":302.13998,"end":302.3,"sentiment":"neutral","sentiment_score":-0.07389431446790695},{"text":"Yeah.","start":302.3,"end":302.62,"sentiment":"neutral","sentiment_score":-0.07559186965227127}],"sentiment":"neutral","sentiment_score":-0.0847740379265613,"num_words":18,"start":286.9,"end":302.62},{"sentences":[{"text":"I didn't think that impacted what the models that we were looking at.","start":302.62,"end":306.16,"sentiment":"neutral","sentiment_score":-0.19294823018404153},{"text":"I don't know if doing anything there.","start":306.78,"end":308.46,"sentiment":"neutral","sentiment_score":-0.005156169246350016},{"text":"Yeah.","start":308.46,"end":308.96,"sentiment":"neutral","sentiment_score":0.0652046799659729},{"text":"What was that value, sir?","start":325.795,"end":327.17502,"sentiment":"neutral","sentiment_score":0.009707564860582352},{"text":"Mhmm.","start":329.97,"end":330.47,"sentiment":"neutral","sentiment_score":-0.0009337449446320534}],"sentiment":"neutral","sentiment_score":-0.09005968214047176,"num_words":27,"start":302.62,"end":330.47},{"sentences":[{"text":"Yeah.","start":347.565,"end":347.80502,"sentiment":"neutral","sentiment_score":0.007085910066962242},{"text":"That's probably alright.","start":347.80502,"end":348.785,"sentiment":"neutral","sentiment_score":0.009686388890258968},{"text":"Like, we'd hope to sell it to 500,000, but I wouldn't be surprised if it's it's a bit with the recent changes in pricing You know, like, federal laws.","start":349.165,"end":360.52,"sentiment":"neutral","sentiment_score":-0.010752073392785829},{"text":"Yes.","start":365.78,"end":366.28,"sentiment":"neutral","sentiment_score":0.06665210425853729},{"text":"Yep.","start":367.53998,"end":368.02,"sentiment":"neutral","sentiment_score":0.04523114487528801}],"sentiment":"neutral","sentiment_score":-0.004679480071977845,"num_words":35,"start":347.565,"end":368.02},{"sentences":[{"text":"And the loan is, yeah, $3.20 what?","start":368.02,"end":370.65997,"sentiment":"neutral","sentiment_score":0.02697823489350932},{"text":"$3.23, $3.24.","start":370.65997,"end":372.52,"sentiment":"neutral","sentiment_score":0.015569324139505625},{"text":"Mhmm.","start":385.035,"end":385.535,"sentiment":"neutral","sentiment_score":0.022159412503242493},{"text":"Yeah.","start":390.3,"end":390.53998,"sentiment":"neutral","sentiment_score":0.041500162333250046},{"text":"That's right.","start":390.53998,"end":391.28,"sentiment":"neutral","sentiment_score":0.09654299169778824}],"sentiment":"neutral","sentiment_score":0.03667168082812658,"num_words":13,"start":368.02,"end":391.28},{"sentences":[{"text":"Yeah.","start":404.675,"end":404.995,"sentiment":"neutral","sentiment_score":0.03006305918097496},{"text":"Offset account.","start":404.995,"end":405.895,"sentiment":"neutral","sentiment_score":0.050496241077780724},{"text":"34.","start":413.31497,"end":414.69498,"sentiment":"neutral","sentiment_score":0.057908959686756134},{"text":"Cool.","start":414.835,"end":415.335,"sentiment":"neutral","sentiment_score":0.2628646492958069},{"text":"No.","start":431.07,"end":431.57,"sentiment":"neutral","sentiment_score":-0.08359846472740173}],"sentiment":"neutral","sentiment_score":0.061371780931949615,"num_words":6,"start":404.675,"end":431.57},{"sentences":[{"text":"No.","start":437.36502,"end":437.86502,"sentiment":"neutral","sentiment_score":-0.04126189649105072},{"text":"Yeah.","start":461.855,"end":462.255,"sentiment":"neutral","sentiment_score":0.026042722165584564},{"text":"Like, I am thinking that I might start going in, like, looking to a different customer investing 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think that would be good.","start":749.735,"end":750.955,"sentiment":"positive","sentiment_score":0.4435104678074519}],"sentiment":"neutral","sentiment_score":0.3066518630832434,"num_words":10,"start":673.67,"end":750.955},{"sentences":[{"text":"Yep.","start":766.20996,"end":766.70996,"sentiment":"neutral","sentiment_score":0.04357469081878662},{"text":"Okay.","start":818.69,"end":819.09,"sentiment":"neutral","sentiment_score":0.0008411798626184464},{"text":"I I can read it.","start":819.09,"end":819.89,"sentiment":"neutral","sentiment_score":0.005029618367552757},{"text":"Okay?","start":819.89,"end":820.39,"sentiment":"neutral","sentiment_score":0.041370343416929245},{"text":"Yeah.","start":830.465,"end":830.965,"sentiment":"neutral","sentiment_score":0.07468350231647491}],"sentiment":"neutral","sentiment_score":0.020624200916952558,"num_words":9,"start":766.20996,"end":830.965},{"sentences":[{"text":"Yes.","start":857.965,"end":858.465,"sentiment":"neutral","sentiment_score":0.07020625472068787},{"text":"Mhmm.","start":870.61,"end":871.11,"sentiment":"neutral","sentiment_score":0.009548279456794262},{"text":"Yeah.","start":917.56,"end":917.95996,"sentiment":"neutral","sentiment_score":-0.2318900227546692},{"text":"Like, that one was underperforming last year as well.","start":917.95996,"end":920.86,"sentiment":"negative","sentiment_score":-0.4411470227771335},{"text":"And so now yeah.","start":920.92,"end":923.39996,"sentiment":"negative","sentiment_score":-0.3879132643342018}],"sentiment":"negative","sentiment_score":-0.35463198443176225,"num_words":16,"start":857.965,"end":923.39996},{"sentences":[{"text":"I'm fucking up money for you.","start":923.39996,"end":925.01996,"sentiment":"negative","sentiment_score":-0.6836815575758616},{"text":"Mhmm.","start":936.295,"end":936.795,"sentiment":"neutral","sentiment_score":-0.08326022326946259},{"text":"Mhmm.","start":953.36,"end":953.86,"sentiment":"neutral","sentiment_score":0.03382057324051857},{"text":"Mhmm.","start":996.705,"end":996.945,"sentiment":"neutral","sentiment_score":0.01437266357243061},{"text":"Yes.","start":996.945,"end":997.445,"sentiment":"neutral","sentiment_score":0.07561572641134262}],"sentiment":"negative","sentiment_score":-0.40615406055003406,"num_words":10,"start":923.39996,"end":997.445},{"sentences":[{"text":"So phasing out sounds good.","start":998.385,"end":999.745,"sentiment":"neutral","sentiment_score":0.16125636845827102},{"text":"What are we thinking of it?","start":999.745,"end":1001.125,"sentiment":"neutral","sentiment_score":0.059442462399601936},{"text":"Yeah.","start":1045.645,"end":1046.145,"sentiment":"neutral","sentiment_score":0.08867250382900238},{"text":"Like, my general understanding is extra fee, APN to is the fee relative to the dollar value investment?","start":1046.445,"end":1055.745,"sentiment":"neutral","sentiment_score":0.054017767724063664},{"text":"Yeah.","start":1058.765,"end":1059.265,"sentiment":"neutral","sentiment_score":0.06379354745149612}],"sentiment":"neutral","sentiment_score":0.0737974995807294,"num_words":31,"start":998.385,"end":1059.265},{"sentences":[{"text":"Yeah.","start":1059.8201,"end":1060.3201,"sentiment":"neutral","sentiment_score":0.0801524966955185},{"text":"Yeah.","start":1086.615,"end":1086.9349,"sentiment":"neutral","sentiment_score":0.26087266206741333},{"text":"Like, I'm I'm generally for lower fees, but I think on the whole, we end up up performing better overall.","start":1086.9349,"end":1096.14,"sentiment":"positive","sentiment_score":0.3611446745693684},{"text":"Mhmm.","start":1107.505,"end":1108.005,"sentiment":"neutral","sentiment_score":0.11344702541828156},{"text":"Mhmm.","start":1116.785,"end":1117.285,"sentiment":"neutral","sentiment_score":0.04627000540494919}],"sentiment":"neutral","sentiment_score":0.3218181533738971,"num_words":24,"start":1059.8201,"end":1117.285},{"sentences":[{"text":"Alright, mate.","start":1134.185,"end":1134.985,"sentiment":"neutral","sentiment_score":0.14555223286151886},{"text":"I'll just get there.","start":1134.985,"end":1136.285,"sentiment":"neutral","sentiment_score":0.1981612592935562},{"text":"Yeah.","start":1138.985,"end":1139.225,"sentiment":"neutral","sentiment_score":0.060020774602890015},{"text":"I can.","start":1139.225,"end":1139.805,"sentiment":"neutral","sentiment_score":0.06244521960616112},{"text":"You just completely just said yes.","start":1140.585,"end":1142.365,"sentiment":"neutral","sentiment_score":0.13733450137078762}],"sentiment":"neutral","sentiment_score":0.13951118166248003,"num_words":15,"start":1134.185,"end":1142.365},{"sentences":[{"text":"Well, yeah.","start":1155.8099,"end":1156.2899,"sentiment":"neutral","sentiment_score":0.09721139445900917},{"text":"So the past financial year, well well, August, August, I'm looking at a 5% growth.","start":1156.2899,"end":1163.955,"sentiment":"neutral","sentiment_score":0.2850053588549296},{"text":"Is that what I'm reading there, roughly?","start":1163.955,"end":1166.455,"sentiment":"neutral","sentiment_score":0.0997509668980326},{"text":"It's pretty low.","start":1167.5549,"end":1168.775,"sentiment":"neutral","sentiment_score":-0.2598215142885844},{"text":"Yeah.","start":1169.5549,"end":1170.0549,"sentiment":"neutral","sentiment_score":0.01102805696427822}],"sentiment":"neutral","sentiment_score":0.15711869479023985,"num_words":28,"start":1155.8099,"end":1170.0549},{"sentences":[{"text":"Yeah.","start":1170.4349,"end":1170.595,"sentiment":"neutral","sentiment_score":0.04250518232584},{"text":"Yeah.","start":1170.595,"end":1171.095,"sentiment":"neutral","sentiment_score":0.06198419630527496},{"text":"Well, yeah.","start":1183.15,"end":1183.63,"sentiment":"neutral","sentiment_score":-0.009781444445252419},{"text":"But the market as a whole has been has been fighting.","start":1183.63,"end":1186.03,"sentiment":"neutral","sentiment_score":-0.3039599467407573},{"text":"Like, that's the crazy thing.","start":1186.03,"end":1187.15,"sentiment":"neutral","sentiment_score":-0.1505964733660221}],"sentiment":"neutral","sentiment_score":-0.20058076456189156,"num_words":20,"start":1170.4349,"end":1187.15},{"sentences":[{"text":"Bonds are up.","start":1187.15,"end":1187.79,"sentiment":"neutral","sentiment_score":0.21066292623678842},{"text":"Shares are up.","start":1187.79,"end":1188.5901,"sentiment":"neutral","sentiment_score":0.2876201868057251},{"text":"Gold's up.","start":1188.5901,"end":1189.23,"sentiment":"neutral","sentiment_score":0.2802491933107376},{"text":"Like, everything's going up right now.","start":1189.23,"end":1191.31,"sentiment":"positive","sentiment_score":0.3898455699284871},{"text":"So quite honestly, I'm a bit astounded that I've only got a 5% IRR here.","start":1191.31,"end":1195.545,"sentiment":"neutral","sentiment_score":0.09480721354484559}],"sentiment":"neutral","sentiment_score":0.20056997753422837,"num_words":29,"start":1187.15,"end":1195.545},{"sentences":[{"text":"Mhmm.","start":1204.5651,"end":1205.0651,"sentiment":"neutral","sentiment_score":-0.03455251082777977},{"text":"Yeah.","start":1222.345,"end":1222.585,"sentiment":"neutral","sentiment_score":0.00892874225974083},{"text":"Yeah.","start":1222.585,"end":1222.825,"sentiment":"neutral","sentiment_score":0.009459074586629868},{"text":"Yeah.","start":1222.825,"end":1223.325,"sentiment":"neutral","sentiment_score":0.002140222117304802},{"text":"Yeah.","start":1252.235,"end":1252.735,"sentiment":"neutral","sentiment_score":-0.2270756959915161}],"sentiment":"neutral","sentiment_score":-0.048220033571124074,"num_words":5,"start":1204.5651,"end":1252.735},{"sentences":[{"text":"Yeah.","start":1256.235,"end":1256.735,"sentiment":"neutral","sentiment_score":-0.03937841206789017},{"text":"Yeah.","start":1257.995,"end":1258.155,"sentiment":"neutral","sentiment_score":0.0024252180010080338},{"text":"Well, yeah, we're looking at a what is that?","start":1258.155,"end":1260.5751,"sentiment":"neutral","sentiment_score":-0.028900139447715547},{"text":"25% loss.","start":1260.635,"end":1262.975,"sentiment":"neutral","sentiment_score":-0.20975645631551743},{"text":"Yeah.","start":1287.295,"end":1287.535,"sentiment":"neutral","sentiment_score":0.09806764870882034}],"sentiment":"neutral","sentiment_score":-0.04417855092989547,"num_words":14,"start":1256.235,"end":1287.535},{"sentences":[{"text":"Okay.","start":1287.535,"end":1287.9,"sentiment":"neutral","sentiment_score":0.0911904275417328},{"text":"At at a time?","start":1290.14,"end":1291.04,"sentiment":"neutral","sentiment_score":0.03390704980120063},{"text":"Sure.","start":1302.585,"end":1303.085,"sentiment":"neutral","sentiment_score":0.3089093565940857},{"text":"Mhmm.","start":1308.2649,"end":1308.7649,"sentiment":"neutral","sentiment_score":0.12103848159313202},{"text":"Okay.","start":1313.945,"end":1314.265,"sentiment":"neutral","sentiment_score":0.09686334431171416}],"sentiment":"neutral","sentiment_score":0.0942037261556834,"num_words":8,"start":1287.535,"end":1314.265},{"sentences":[{"text":"And I update them now.","start":1314.265,"end":1315.39,"sentiment":"neutral","sentiment_score":0.09773381352424622},{"text":"What what do you mean by that?","start":1315.39,"end":1316.77,"sentiment":"neutral","sentiment_score":0.026887193588273867},{"text":"Yep.","start":1322.27,"end":1322.77,"sentiment":"neutral","sentiment_score":0.15642443299293518},{"text":"Yep.","start":1325.39,"end":1325.89,"sentiment":"neutral","sentiment_score":0.17530743777751925},{"text":"Okay.","start":1336.2251,"end":1336.7251,"sentiment":"neutral","sentiment_score":0.05845583975315094}],"sentiment":"neutral","sentiment_score":0.07113780888418357,"num_words":15,"start":1314.265,"end":1336.7251},{"sentences":[{"text":"Sure.","start":1337.425,"end":1337.925,"sentiment":"neutral","sentiment_score":0.031229540705680847},{"text":"Yeah.","start":1339.8251,"end":1340.2251,"sentiment":"neutral","sentiment_score":-0.024650000035762787},{"text":"And so the fourth option down there, those India funds, they're also, you know, performed pretty poorly.","start":1340.2251,"end":1346.12,"sentiment":"neutral","sentiment_score":-0.25390110646977143},{"text":"What are we thinking with that?","start":1346.12,"end":1347.4199,"sentiment":"neutral","sentiment_score":-0.15603150675694147},{"text":"Mhmm.","start":1355.0,"end":1355.5,"sentiment":"neutral","sentiment_score":0.0064336685463786125}],"sentiment":"neutral","sentiment_score":-0.20151902466582564,"num_words":26,"start":1337.425,"end":1355.5},{"sentences":[{"text":"Okay.","start":1370.8201,"end":1371.3201,"sentiment":"neutral","sentiment_score":0.019558535888791084},{"text":"Yeah.","start":1390.2949,"end":1390.7949,"sentiment":"neutral","sentiment_score":0.014962727203965189},{"text":"No.","start":1391.015,"end":1391.335,"sentiment":"neutral","sentiment_score":-0.02387513592839241},{"text":"That's sensible.","start":1391.335,"end":1392.075,"sentiment":"neutral","sentiment_score":0.20254816114902496},{"text":"Yeah.","start":1393.8949,"end":1394.215,"sentiment":"neutral","sentiment_score":0.11261460185050964}],"sentiment":"neutral","sentiment_score":0.0880595085521539,"num_words":6,"start":1370.8201,"end":1394.215},{"sentences":[{"text":"Yeah.","start":1394.215,"end":1394.695,"sentiment":"neutral","sentiment_score":0.10456167906522752},{"text":"No.","start":1394.695,"end":1394.855,"sentiment":"neutral","sentiment_score":0.06580321490764618},{"text":"That that makes sense to me.","start":1394.855,"end":1395.8949,"sentiment":"neutral","sentiment_score":0.2160804197192192},{"text":"I can see India growing, so that's all good.","start":1395.8949,"end":1398.16,"sentiment":"positive","sentiment_score":0.5178972747590807},{"text":"Is it like it's not an in-depth fund.","start":1398.16,"end":1402.64,"sentiment":"neutral","sentiment_score":0.011898910786840133}],"sentiment":"neutral","sentiment_score":0.24892456685658546,"num_words":25,"start":1394.215,"end":1402.64},{"sentences":[{"text":"What is an ETF, actually?","start":1402.64,"end":1403.92,"sentiment":"neutral","sentiment_score":0.0037239721044898034},{"text":"Portfolio type that.","start":1403.92,"end":1405.38,"sentiment":"neutral","sentiment_score":-0.0012122225016355515},{"text":"Yep.","start":1418.065,"end":1418.225,"sentiment":"neutral","sentiment_score":0.017362330108880997},{"text":"But who just died?","start":1418.225,"end":1419.365,"sentiment":"neutral","sentiment_score":-0.03335734689608216},{"text":"Like, who packages that?","start":1420.225,"end":1421.685,"sentiment":"neutral","sentiment_score":-0.012730504153296351}],"sentiment":"neutral","sentiment_score":-0.008941522415946512,"num_words":17,"start":1402.64,"end":1421.685},{"sentences":[{"text":"Yeah.","start":1432.0701,"end":1432.31,"sentiment":"neutral","sentiment_score":0.055501848459243774},{"text":"Sure.","start":1432.31,"end":1432.63,"sentiment":"neutral","sentiment_score":0.08647868782281876},{"text":"Sure.","start":1432.63,"end":1432.79,"sentiment":"neutral","sentiment_score":0.09853604435920715},{"text":"So it's not something that you guys yourselves are packaging.","start":1432.79,"end":1435.1901,"sentiment":"neutral","sentiment_score":0.036161381751298904},{"text":"I hope you you'll you'll buy it off.","start":1435.1901,"end":1437.29,"sentiment":"neutral","sentiment_score":0.07779287733137608}],"sentiment":"neutral","sentiment_score":0.05830825794310797,"num_words":21,"start":1432.0701,"end":1437.29},{"sentences":[{"text":"Yeah.","start":1437.75,"end":1438.23,"sentiment":"neutral","sentiment_score":0.023013874888420105},{"text":"Off some brokerage, wherever they're located.","start":1438.23,"end":1440.6349,"sentiment":"neutral","sentiment_score":0.019869386218488216},{"text":"Yeah.","start":1441.335,"end":1441.815,"sentiment":"neutral","sentiment_score":0.05694664269685745},{"text":"That's fine.","start":1441.815,"end":1442.5549,"sentiment":"neutral","sentiment_score":0.12667435221374035},{"text":"No.","start":1472.765,"end":1473.265,"sentiment":"neutral","sentiment_score":0.0024420619010925293}],"sentiment":"neutral","sentiment_score":0.041360691020434555,"num_words":11,"start":1437.75,"end":1473.265},{"sentences":[{"text":"Yeah.","start":1490.3401,"end":1490.8201,"sentiment":"neutral","sentiment_score":0.051069144159555435},{"text":"Yeah.","start":1490.8201,"end":1491.3201,"sentiment":"neutral","sentiment_score":0.0430125892162323},{"text":"Yeah.","start":1494.42,"end":1494.5801,"sentiment":"neutral","sentiment_score":0.09212514758110046},{"text":"But yeah.","start":1494.5801,"end":1495.49,"sentiment":"neutral","sentiment_score":0.15339886397123337},{"text":"Yeah.","start":1496.815,"end":1497.1349,"sentiment":"neutral","sentiment_score":0.16749754548072815}],"sentiment":"neutral","sentiment_score":0.11008369239668052,"num_words":6,"start":1490.3401,"end":1497.1349},{"sentences":[{"text":"India.","start":1497.1349,"end":1497.615,"sentiment":"neutral","sentiment_score":0.20082752406597135},{"text":"Yeah.","start":1497.615,"end":1497.855,"sentiment":"neutral","sentiment_score":0.3118724226951599},{"text":"I'm happy to take it to India.","start":1497.855,"end":1499.235,"sentiment":"positive","sentiment_score":0.4751725367137364},{"text":"That makes sense in the long term.","start":1499.375,"end":1501.315,"sentiment":"positive","sentiment_score":0.37557369470596313},{"text":"Cool.","start":1503.0549,"end":1503.5549,"sentiment":"positive","sentiment_score":0.7824711799621582}],"sentiment":"positive","sentiment_score":0.4264938086271286,"num_words":17,"start":1497.1349,"end":1503.5549},{"sentences":[{"text":"Yeah.","start":1520.5099,"end":1520.9099,"sentiment":"neutral","sentiment_score":0.08385185897350311},{"text":"So I guess one thing I'd like to tell you is, like, what what's the share I've got in gold at the moment today?","start":1520.9099,"end":1532.695,"sentiment":"neutral","sentiment_score":0.057669275905936956},{"text":"I was just looking.","start":1536.355,"end":1537.235,"sentiment":"neutral","sentiment_score":-0.02188058290630579},{"text":"I don't think I've written probably on my phone, which is on.","start":1537.235,"end":1548.2,"sentiment":"neutral","sentiment_score":-0.060254052902261414},{"text":"Let me just see how I like, what the app yeah.","start":1548.2,"end":1553.235,"sentiment":"neutral","sentiment_score":0.0032841600477695465}],"sentiment":"neutral","sentiment_score":0.013335947592097979,"num_words":52,"start":1520.5099,"end":1553.235},{"sentences":[{"text":"But there you go.","start":1553.315,"end":1553.675,"sentiment":"neutral","sentiment_score":-0.042617461644113064},{"text":"I don't even download it.","start":1553.675,"end":1554.915,"sentiment":"neutral","sentiment_score":-0.10406855046749115},{"text":"There you go.","start":1554.915,"end":1555.815,"sentiment":"neutral","sentiment_score":-0.03878591333826383},{"text":"I'll I'll I'll do that.","start":1556.6749,"end":1558.135,"sentiment":"neutral","sentiment_score":-0.012483010161668062},{"text":"Yeah.","start":1562.835,"end":1563.315,"sentiment":"neutral","sentiment_score":-0.03942488878965378}],"sentiment":"neutral","sentiment_score":-0.050500571029260755,"num_words":18,"start":1553.315,"end":1563.315},{"sentences":[{"text":"I've only got my phone here with me right now.","start":1563.315,"end":1565.635,"sentiment":"neutral","sentiment_score":-0.08418224975466729},{"text":"I'm actually on holiday.","start":1565.635,"end":1566.775,"sentiment":"neutral","sentiment_score":-0.09817307442426682},{"text":"So, yeah, what's wrong with this for today?","start":1568.355,"end":1573.94,"sentiment":"neutral","sentiment_score":-0.07649301597848535},{"text":"Mhmm.","start":1601.49,"end":1601.99,"sentiment":"neutral","sentiment_score":0.018410345539450645},{"text":"Yep.","start":1603.73,"end":1604.23,"sentiment":"neutral","sentiment_score":0.01737145334482193}],"sentiment":"neutral","sentiment_score":-0.07544488017447293,"num_words":24,"start":1563.315,"end":1604.23},{"sentences":[{"text":"K.","start":1604.69,"end":1605.19,"sentiment":"neutral","sentiment_score":0.004779125563800335},{"text":"Yeah.","start":1607.8099,"end":1608.0499,"sentiment":"neutral","sentiment_score":0.013276448473334312},{"text":"No.","start":1608.0499,"end":1608.2899,"sentiment":"neutral","sentiment_score":0.0002643745392560959},{"text":"That sounds fine.","start":1608.2899,"end":1609.19,"sentiment":"neutral","sentiment_score":0.03487972915172577},{"text":"I I'm trying to think of what?","start":1611.6499,"end":1614.0751,"sentiment":"neutral","sentiment_score":-0.03377185549054827}],"sentiment":"neutral","sentiment_score":-0.008726450184789987,"num_words":13,"start":1604.69,"end":1614.0751},{"sentences":[{"text":"Sorry.","start":1614.0751,"end":1614.4751,"sentiment":"neutral","sentiment_score":-0.07342225313186646},{"text":"Do you have any idea what my login ID would be?","start":1614.4751,"end":1616.9751,"sentiment":"neutral","sentiment_score":-0.05598806183446537},{"text":"Is it just my email address?","start":1617.035,"end":1618.635,"sentiment":"neutral","sentiment_score":-0.030895864591002464},{"text":"Or Mhmm.","start":1618.635,"end":1627.73,"sentiment":"neutral","sentiment_score":-0.014966920018196106},{"text":"Yeah.","start":1638.11,"end":1638.35,"sentiment":"neutral","sentiment_score":0.07418346405029297}],"sentiment":"neutral","sentiment_score":-0.039543642706814264,"num_words":21,"start":1614.0751,"end":1638.35},{"sentences":[{"text":"Let's do that.","start":1638.35,"end":1639.25,"sentiment":"neutral","sentiment_score":0.06298140436410904},{"text":"Mhmm.","start":1649.615,"end":1649.935,"sentiment":"neutral","sentiment_score":0.013737015426158903},{"text":"Okay.","start":1649.935,"end":1650.3351,"sentiment":"neutral","sentiment_score":0.020962528884410855},{"text":"One 36727 62.","start":1650.3351,"end":1653.635,"sentiment":"neutral","sentiment_score":0.014451516481737295},{"text":"Right.","start":1661.21,"end":1661.71,"sentiment":"neutral","sentiment_score":0.1940647214651108}],"sentiment":"neutral","sentiment_score":0.051229225368135504,"num_words":9,"start":1638.35,"end":1661.71},{"sentences":[{"text":"Yeah.","start":1662.49,"end":1662.73,"sentiment":"positive","sentiment_score":0.5013899207115173},{"text":"Wonderful.","start":1662.73,"end":1663.23,"sentiment":"positive","sentiment_score":0.77377849817276},{"text":"I guess I'll just have a start with my password in 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better.","start":1758.93,"end":1760.15,"sentiment":"positive","sentiment_score":0.5231577754020691}],"sentiment":"neutral","sentiment_score":0.1367795298283454,"num_words":16,"start":1700.1699,"end":1760.15},{"sentences":[{"text":"Before we do retirement, could I just ask what's that right?","start":1797.6549,"end":1806.315,"sentiment":"neutral","sentiment_score":-0.01800663557580926},{"text":"13673762.","start":1807.255,"end":1815.12,"sentiment":"neutral","sentiment_score":0.0004485126701183617},{"text":"Alright, mate.","start":1815.12,"end":1815.92,"sentiment":"neutral","sentiment_score":0.017523383256047964},{"text":"I am still on hold.","start":1815.92,"end":1817.2001,"sentiment":"neutral","sentiment_score":-0.10432376861572265},{"text":"I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself.","start":1817.2001,"end":1830.345,"sentiment":"neutral","sentiment_score":-0.12686140922939076}],"sentiment":"neutral","sentiment_score":-0.09429215979301107,"num_words":53,"start":1797.6549,"end":1830.345},{"sentences":[{"text":"But, you know, there's a lot of uncertainty in the market generally.","start":1831.925,"end":1835.385,"sentiment":"neutral","sentiment_score":-0.251364021251599},{"text":"You know, fears of a crash from this, that, or the other thing.","start":1837.88,"end":1840.68,"sentiment":"neutral","sentiment_score":-0.30853594266451323},{"text":"So, yeah, what what is the medium to long term perspective on that?","start":1840.68,"end":1848.12,"sentiment":"neutral","sentiment_score":-0.0661528675028911},{"text":"Like, especially in terms of the AI bubble.","start":1848.12,"end":1857.595,"sentiment":"neutral","sentiment_score":-0.010243614204227924},{"text":"Yep.","start":1857.975,"end":1858.475,"sentiment":"neutral","sentiment_score":0.07495512813329697}],"sentiment":"neutral","sentiment_score":-0.1679641823977866,"num_words":47,"start":1831.925,"end":1858.475},{"sentences":[{"text":"Yeah.","start":1865.35,"end":1865.85,"sentiment":"neutral","sentiment_score":-0.0479925349354744},{"text":"And what's the underlying reason for that?","start":1882.2649,"end":1884.365,"sentiment":"neutral","sentiment_score":-0.132594604577337},{"text":"Well, probably multiple, but major.","start":1885.1449,"end":1887.245,"sentiment":"neutral","sentiment_score":-0.02635834999382496},{"text":"Mhmm.","start":1898.4099,"end":1898.9099,"sentiment":"neutral","sentiment_score":0.009135210886597632},{"text":"Mhmm.","start":1918.875,"end":1919.375,"sentiment":"neutral","sentiment_score":0.02270623669028282}],"sentiment":"neutral","sentiment_score":-0.07174033795793851,"num_words":15,"start":1865.35,"end":1919.375},{"sentences":[{"text":"Yes.","start":1925.0901,"end":1925.5901,"sentiment":"neutral","sentiment_score":-0.04865936189889908},{"text":"Mhmm.","start":1946.985,"end":1947.485,"sentiment":"neutral","sentiment_score":0.038204438984394073},{"text":"Yeah.","start":2001.4049,"end":2001.9049,"sentiment":"neutral","sentiment_score":-0.034523434937000275},{"text":"Yeah.","start":2008.9249,"end":2009.19,"sentiment":"neutral","sentiment_score":0.08287956565618515},{"text":"Exactly.","start":2009.35,"end":2009.85,"sentiment":"neutral","sentiment_score":0.1354856938123703}],"sentiment":"neutral","sentiment_score":0.034677380323410036,"num_words":5,"start":1925.0901,"end":2009.85},{"sentences":[{"text":"Yes.","start":2026.605,"end":2027.105,"sentiment":"neutral","sentiment_score":0.08040017634630203},{"text":"Yeah.","start":2098.26,"end":2098.76,"sentiment":"neutral","sentiment_score":-0.050972722470760345},{"text":"Yeah.","start":2106.725,"end":2107.225,"sentiment":"neutral","sentiment_score":-0.2162032127380371},{"text":"Yeah.","start":2113.845,"end":2114.325,"sentiment":"neutral","sentiment_score":-0.08705554157495499},{"text":"Yeah.","start":2114.325,"end":2114.825,"sentiment":"neutral","sentiment_score":-0.08208239823579788}],"sentiment":"neutral","sentiment_score":-0.07118273973464966,"num_words":5,"start":2026.605,"end":2114.825},{"sentences":[{"text":"Yes.","start":2132.76,"end":2133.26,"sentiment":"neutral","sentiment_score":0.025972304865717888},{"text":"Yeah.","start":2141.955,"end":2142.115,"sentiment":"neutral","sentiment_score":0.09114111959934236},{"text":"It's yeah.","start":2142.115,"end":2144.595,"sentiment":"neutral","sentiment_score":0.11165192350745198},{"text":"It it it certainly makes sense for Super just to do the the long term diversification strategy.","start":2144.595,"end":2150.7,"sentiment":"neutral","sentiment_score":0.32329923791043896},{"text":"Like yeah.","start":2151.6401,"end":2152.2,"sentiment":"neutral","sentiment_score":0.17409134656190872}],"sentiment":"neutral","sentiment_score":0.2688994351774454,"num_words":23,"start":2132.76,"end":2152.2},{"sentences":[{"text":"I've got a commerce degree finance degree, but I never really pursued it that much.","start":2152.2,"end":2156.44,"sentiment":"neutral","sentiment_score":0.04005272885163625},{"text":"But, yeah, yeah, you're not really telling me anything new, and that's fine.","start":2156.44,"end":2160.46,"sentiment":"neutral","sentiment_score":0.042632521918186776},{"text":"It just makes sense.","start":2161.72,"end":2162.52,"sentiment":"positive","sentiment_score":0.4404037669301033},{"text":"It's it's stable.","start":2162.52,"end":2163.98,"sentiment":"positive","sentiment_score":0.506046881278356},{"text":"So probably just one more thing before we move on.","start":2165.2048,"end":2167.865,"sentiment":"neutral","sentiment_score":0.16972922012209893}],"sentiment":"neutral","sentiment_score":0.13626803623305428,"num_words":45,"start":2152.2,"end":2167.865},{"sentences":[{"text":"I think I would be interested in getting more in gold itself.","start":2168.2449,"end":2172.825,"sentiment":"neutral","sentiment_score":0.15072471524278322},{"text":"I can see that continuing to grow.","start":2172.8848,"end":2174.9849,"sentiment":"positive","sentiment_score":0.44829483117376057},{"text":"So I think anyway, from 50 to a 100% increase in current gold investment in my portfolio, I think I'd appreciate.","start":2176.565,"end":2189.01,"sentiment":"positive","sentiment_score":0.38108705338977633},{"text":"Yeah.","start":2219.535,"end":2219.855,"sentiment":"neutral","sentiment_score":0.035234760493040085},{"text":"Like, I was I think you said some sitting around 7.4% risk profile.","start":2219.855,"end":2224.415,"sentiment":"neutral","sentiment_score":-0.021681373509076927}],"sentiment":"neutral","sentiment_score":0.23524010050351973,"num_words":54,"start":2168.2449,"end":2224.415},{"sentences":[{"text":"Is that was that the number?","start":2224.415,"end":2225.795,"sentiment":"neutral","sentiment_score":-0.019331331675251324},{"text":"Yep.","start":2240.45,"end":2240.69,"sentiment":"neutral","sentiment_score":0.049601294100284576},{"text":"Yeah.","start":2240.69,"end":2241.19,"sentiment":"neutral","sentiment_score":0.032807059586048126},{"text":"Yeah.","start":2241.97,"end":2242.21,"sentiment":"neutral","sentiment_score":0.027240371331572533},{"text":"For sure.","start":2242.21,"end":2242.8699,"sentiment":"neutral","sentiment_score":0.016510595567524433}],"sentiment":"neutral","sentiment_score":0.0024256296455860134,"num_words":11,"start":2224.415,"end":2242.8699},{"sentences":[{"text":"Yeah.","start":2249.2249,"end":2249.3848,"sentiment":"neutral","sentiment_score":-0.0017398055642843246},{"text":"I know.","start":2249.3848,"end":2250.045,"sentiment":"neutral","sentiment_score":0.0010129762813448906},{"text":"Yeah.","start":2250.585,"end":2250.9048,"sentiment":"neutral","sentiment_score":0.01009000651538372},{"text":"No.","start":2250.9048,"end":2251.065,"sentiment":"neutral","sentiment_score":-0.027699921280145645},{"text":"That makes sense.","start":2251.065,"end":2251.625,"sentiment":"neutral","sentiment_score":0.05800330142180125}],"sentiment":"neutral","sentiment_score":0.01958576706238091,"num_words":8,"start":2249.2249,"end":2251.625},{"sentences":[{"text":"Thank you.","start":2251.625,"end":2252.265,"sentiment":"neutral","sentiment_score":0.24261410534381866},{"text":"Like, outside of in that increase in gold, which I think is traditionally more of a a fantastic.","start":2252.265,"end":2260.605,"sentiment":"neutral","sentiment_score":-0.020424763361612957},{"text":"Yeah.","start":2260.9048,"end":2261.4048,"sentiment":"neutral","sentiment_score":0.07089009881019592},{"text":"No.","start":2262.1848,"end":2262.48,"sentiment":"neutral","sentiment_score":-0.08117018640041351},{"text":"I'm quite happy to keep keep in that high growth.","start":2262.56,"end":2265.54,"sentiment":"neutral","sentiment_score":0.060804324224591255}],"sentiment":"neutral","sentiment_score":0.022354550776071846,"num_words":32,"start":2251.625,"end":2265.54},{"sentences":[{"text":"Yeah.","start":2265.68,"end":2266.18,"sentiment":"neutral","sentiment_score":-0.024000145494937897},{"text":"Yeah.","start":2300.08,"end":2300.58,"sentiment":"neutral","sentiment_score":-0.03734787926077843},{"text":"Yeah.","start":2304.185,"end":2304.505,"sentiment":"neutral","sentiment_score":-0.007789598777890205},{"text":"No.","start":2304.505,"end":2305.005,"sentiment":"neutral","sentiment_score":-0.08028744161128998},{"text":"I I think not only do we have a few economic bubbles, and I I can see that we've got well, I see that we've got a a market as a whole bubble of some 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now.","start":2319.3298,"end":2321.1099,"sentiment":"neutral","sentiment_score":-0.06262274854816496},{"text":"Yeah.","start":2354.59,"end":2355.09,"sentiment":"neutral","sentiment_score":-0.0018682554364204409},{"text":"Yeah.","start":2355.31,"end":2355.81,"sentiment":"neutral","sentiment_score":0.059153296053409576},{"text":"Yeah.","start":2381.59,"end":2382.09,"sentiment":"neutral","sentiment_score":0.18134823441505432}],"sentiment":"neutral","sentiment_score":-0.04555675790955623,"num_words":18,"start":2315.865,"end":2382.09},{"sentences":[{"text":"Yeah.","start":2382.87,"end":2383.27,"sentiment":"neutral","sentiment_score":0.31300896406173706},{"text":"That sounds good.","start":2383.27,"end":2384.33,"sentiment":"positive","sentiment_score":0.5490734179814657},{"text":"Mhmm.","start":2400.855,"end":2401.355,"sentiment":"neutral","sentiment_score":0.04952454939484596},{"text":"No.","start":2421.2551,"end":2421.495,"sentiment":"neutral","sentiment_score":-0.26989221572875977},{"text":"Nothing right now.","start":2421.495,"end":2422.555,"sentiment":"neutral","sentiment_score":-0.2333805908759435}],"sentiment":"neutral","sentiment_score":0.11552441989382108,"num_words":9,"start":2382.87,"end":2422.555},{"sentences":[{"text":"Yeah.","start":2453.045,"end":2453.545,"sentiment":"neutral","sentiment_score":0.0240650475025177},{"text":"That's not my head.","start":2457.2048,"end":2458.265,"sentiment":"neutral","sentiment_score":-0.1409095637500286},{"text":"Probably not.","start":2460.005,"end":2460.825,"sentiment":"neutral","sentiment_score":-0.07281029596924782},{"text":"No.","start":2467.5999,"end":2468.0,"sentiment":"neutral","sentiment_score":-0.12706151604652405},{"text":"I think I only did in terms of, like, the financials.","start":2468.0,"end":2471.22,"sentiment":"neutral","sentiment_score":-0.09722711518406868}],"sentiment":"neutral","sentiment_score":-0.0990396622372301,"num_words":19,"start":2453.045,"end":2471.22},{"sentences":[{"text":"Yeah.","start":2471.3599,"end":2471.52,"sentiment":"neutral","sentiment_score":-0.0021784771233797073},{"text":"I think nothing in terms of that.","start":2471.52,"end":2483.325,"sentiment":"neutral","sentiment_score":-0.02516133284994534},{"text":"I yeah.","start":2483.4849,"end":2485.305,"sentiment":"neutral","sentiment_score":-0.06913401558995247},{"text":"I keep forgetting to process that.","start":2485.4648,"end":2488.46,"sentiment":"neutral","sentiment_score":-0.14647879203160605},{"text":"Yeah.","start":2491.8,"end":2492.1199,"sentiment":"neutral","sentiment_score":0.0014630984514951706}],"sentiment":"neutral","sentiment_score":-0.07023444070535548,"num_words":17,"start":2471.3599,"end":2492.1199},{"sentences":[{"text":"It's yeah.","start":2492.1199,"end":2493.0,"sentiment":"neutral","sentiment_score":-0.10361083969473839},{"text":"Not good.","start":2493.0,"end":2493.66,"sentiment":"negative","sentiment_score":-0.588093101978302},{"text":"I don't know if there's some way you can get that to me.","start":2494.76,"end":2496.92,"sentiment":"neutral","sentiment_score":-0.27990548198039716},{"text":"I won't be able to action it this week on holiday, but maybe next week would be good for me.","start":2496.92,"end":2510.785,"sentiment":"neutral","sentiment_score":-0.1560477875173092},{"text":"Yeah.","start":2510.785,"end":2511.105,"sentiment":"positive","sentiment_score":0.3383644223213196}],"sentiment":"neutral","sentiment_score":-0.20538869676621338,"num_words":38,"start":2492.1199,"end":2511.105},{"sentences":[{"text":"I think transfer you to post it because that return envelope just saves me some hassle.","start":2511.105,"end":2517.32,"sentiment":"positive","sentiment_score":0.397290475666523},{"text":"Exactly.","start":2522.26,"end":2522.74,"sentiment":"neutral","sentiment_score":0.07396002113819122},{"text":"That's a period.","start":2522.74,"end":2523.6401,"sentiment":"neutral","sentiment_score":0.13349901139736176},{"text":"Yeah.","start":2525.7002,"end":2526.1,"sentiment":"neutral","sentiment_score":0.08661511540412903},{"text":"Well yeah.","start":2526.1,"end":2526.82,"sentiment":"neutral","sentiment_score":0.06428319588303566}],"sentiment":"neutral","sentiment_score":0.3063602683984715,"num_words":23,"start":2511.105,"end":2526.82},{"sentences":[{"text":"Exactly.","start":2526.82,"end":2527.32,"sentiment":"neutral","sentiment_score":0.05001154541969299},{"text":"More so just having to get the envelope.","start":2528.1,"end":2530.185,"sentiment":"neutral","sentiment_score":-0.003542320802807808},{"text":"Light.","start":2530.985,"end":2531.065,"sentiment":"neutral","sentiment_score":-0.13332870602607727},{"text":"I don't I don't do much.","start":2531.065,"end":2532.5251,"sentiment":"negative","sentiment_score":-0.36268030603726703},{"text":"Yeah.","start":2532.825,"end":2533.325,"sentiment":"neutral","sentiment_score":0.030559945851564407}],"sentiment":"neutral","sentiment_score":-0.13277515396475792,"num_words":17,"start":2526.82,"end":2533.325},{"sentences":[{"text":"Anyway, yeah, if you send that through, that'd be good.","start":2533.465,"end":2536.0452,"sentiment":"neutral","sentiment_score":0.2834083065390587},{"text":"What day is it today?","start":2536.825,"end":2537.865,"sentiment":"neutral","sentiment_score":0.08073322325944901},{"text":"Wednesday.","start":2537.865,"end":2538.365,"sentiment":"neutral","sentiment_score":0.05231323093175888},{"text":"So the only thing I'd ask is Yeah.","start":2539.5452,"end":2543.54,"sentiment":"neutral","sentiment_score":-0.0018946025520563126},{"text":"I I just don't want it arriving before the weekend because, you know, I'm I'm you know what?","start":2543.54,"end":2551.7,"sentiment":"neutral","sentiment_score":-0.281842773159345}],"sentiment":"neutral","sentiment_score":-0.04281581725393023,"num_words":42,"start":2533.465,"end":2551.7},{"sentences":[{"text":"It'd be okay if it arrives on Friday.","start":2551.7,"end":2553.3,"sentiment":"neutral","sentiment_score":0.035091147758066654},{"text":"I'm flying back on Saturday.","start":2553.3,"end":2554.58,"sentiment":"neutral","sentiment_score":0.010973610728979111},{"text":"That's okay.","start":2554.58,"end":2555.22,"sentiment":"neutral","sentiment_score":0.09563546255230904},{"text":"Yeah.","start":2555.22,"end":2555.54,"sentiment":"neutral","sentiment_score":0.09061917662620544},{"text":"Yeah.","start":2555.54,"end":2555.7,"sentiment":"neutral","sentiment_score":0.10972556471824646}],"sentiment":"neutral","sentiment_score":0.04277722953873522,"num_words":17,"start":2551.7,"end":2555.7},{"sentences":[{"text":"Let's just get that done.","start":2555.7,"end":2560.5352,"sentiment":"neutral","sentiment_score":0.18123569935560227},{"text":"Mhmm.","start":2567.955,"end":2568.195,"sentiment":"neutral","sentiment_score":0.050757452845573425},{"text":"Oh, yeah.","start":2568.195,"end":2568.595,"sentiment":"neutral","sentiment_score":0.11685236543416978},{"text":"Let's do that.","start":2568.595,"end":2578.8901,"sentiment":"neutral","sentiment_score":0.1513877473771572},{"text":"Yes.","start":2578.9502,"end":2579.27,"sentiment":"neutral","sentiment_score":0.05594761297106743}],"sentiment":"neutral","sentiment_score":0.14172929463287195,"num_words":12,"start":2555.7,"end":2579.27},{"sentences":[{"text":"So both of them going to my wife, Sarah.","start":2579.27,"end":2581.85,"sentiment":"neutral","sentiment_score":0.045482483588986926},{"text":"Yep.","start":2593.215,"end":2593.715,"sentiment":"neutral","sentiment_score":0.02097037434577942},{"text":"Let me just be double insured.","start":2594.015,"end":2595.795,"sentiment":"neutral","sentiment_score":0.006348073792954286},{"text":"I've got four family members in the family.","start":2597.535,"end":2601.29,"sentiment":"neutral","sentiment_score":-0.005833654053276405},{"text":"04/06/1990.","start":2602.55,"end":2604.73,"sentiment":"neutral","sentiment_score":0.0024715217296034098}],"sentiment":"neutral","sentiment_score":0.016968138348311186,"num_words":25,"start":2579.27,"end":2604.73},{"sentences":[{"text":"Francis, f r a n c I s.","start":2617.555,"end":2621.815,"sentiment":"neutral","sentiment_score":0.0007042838260531425},{"text":"First name.","start":2628.3801,"end":2629.36,"sentiment":"neutral","sentiment_score":-0.005365238059312105},{"text":"Yes.","start":2632.06,"end":2632.56,"sentiment":"neutral","sentiment_score":0.023618336766958237},{"text":"I think labeling properly.","start":2647.1748,"end":2648.555,"sentiment":"neutral","sentiment_score":-0.04460746422410011},{"text":"Yep.","start":2651.9749,"end":2652.375,"sentiment":"neutral","sentiment_score":0.04162371903657913}],"sentiment":"neutral","sentiment_score":-0.0073927504126913846,"num_words":16,"start":2617.555,"end":2652.375},{"sentences":[{"text":"And no less.","start":2652.375,"end":2653.355,"sentiment":"neutral","sentiment_score":0.04988928884267807},{"text":"Yeah.","start":2655.66,"end":2656.16,"sentiment":"neutral","sentiment_score":0.22630497813224792},{"text":"Yes.","start":2662.8599,"end":2663.3599,"sentiment":"neutral","sentiment_score":0.24469010531902313},{"text":"Oh, good.","start":2675.955,"end":2676.695,"sentiment":"neutral","sentiment_score":0.3267529606819153},{"text":"Appreciate it.","start":2677.955,"end":2679.0151,"sentiment":"positive","sentiment_score":0.36459478735923767}],"sentiment":"neutral","sentiment_score":0.22259538289573458,"num_words":9,"start":2652.375,"end":2679.0151},{"sentences":[{"text":"Yeah.","start":2691.3398,"end":2691.74,"sentiment":"neutral","sentiment_score":0.18743589520454407},{"text":"Yeah.","start":2691.74,"end":2692.14,"sentiment":"neutral","sentiment_score":0.1384553611278534},{"text":"Not not the engineering curiosity takes over.","start":2692.14,"end":2696.64,"sentiment":"neutral","sentiment_score":-0.06686379547630038},{"text":"But I'm not Yes.","start":2697.5798,"end":2713.23,"sentiment":"neutral","sentiment_score":-0.01332615315914154},{"text":"Sure.","start":2721.21,"end":2721.71,"sentiment":"neutral","sentiment_score":0.20655223727226257}],"sentiment":"neutral","sentiment_score":0.0007923080452850886,"num_words":14,"start":2691.3398,"end":2721.71},{"sentences":[{"text":"Sure.","start":2721.77,"end":2722.27,"sentiment":"positive","sentiment_score":0.3374655842781067},{"text":"That is good.","start":2722.97,"end":2723.87,"sentiment":"positive","sentiment_score":0.4807753761609395},{"text":"Like, a random question I've got is just regarding Hub twenty four.","start":2747.99,"end":2751.27,"sentiment":"neutral","sentiment_score":0.019679636306439836},{"text":"So, like, now that I've got it here, did you mention that Hub twenty four also does like, it's an option for oh, no.","start":2751.27,"end":2760.165,"sentiment":"neutral","sentiment_score":-0.0018686932089622132},{"text":"It's failing me.","start":2760.165,"end":2761.365,"sentiment":"neutral","sentiment_score":-0.1505278324087461}],"sentiment":"neutral","sentiment_score":0.035337563120857486,"num_words":43,"start":2721.77,"end":2761.365},{"sentences":[{"text":"The personal investment, or is it only an access point for super?","start":2761.365,"end":2765.945,"sentiment":"neutral","sentiment_score":-0.03251921913276116},{"text":"Yeah.","start":2775.72,"end":2776.22,"sentiment":"neutral","sentiment_score":0.0192977674305439},{"text":"Yeah.","start":2808.425,"end":2808.925,"sentiment":"neutral","sentiment_score":0.021128883585333824},{"text":"Yes.","start":2823.29,"end":2823.61,"sentiment":"neutral","sentiment_score":0.26458486914634705},{"text":"I guess that's a piece of advice I'd be looking for.","start":2823.61,"end":2825.9302,"sentiment":"neutral","sentiment_score":0.28418966315009375}],"sentiment":"neutral","sentiment_score":0.11695643020077394,"num_words":26,"start":2761.365,"end":2825.9302},{"sentences":[{"text":"Like, that's kind of the first step I need to take is the timing.","start":2825.9302,"end":2829.1501,"sentiment":"neutral","sentiment_score":0.23247357777186803},{"text":"Yeah.","start":2830.01,"end":2830.51,"sentiment":"neutral","sentiment_score":0.15476807951927185},{"text":"How how I would Yeah.","start":2831.29,"end":2850.88,"sentiment":"neutral","sentiment_score":0.1431937947869301},{"text":"Okay.","start":2850.88,"end":2851.1199,"sentiment":"neutral","sentiment_score":0.0997832715511322},{"text":"Different fees or something taking part in that.","start":2851.1199,"end":2853.7,"sentiment":"neutral","sentiment_score":0.09393765218555927}],"sentiment":"neutral","sentiment_score":0.1716086769412304,"num_words":29,"start":2825.9302,"end":2853.7},{"sentences":[{"text":"Yes.","start":2862.7449,"end":2863.145,"sentiment":"neutral","sentiment_score":0.1892954260110855},{"text":"Yeah.","start":2863.145,"end":2863.545,"sentiment":"neutral","sentiment_score":0.2111704647541046},{"text":"Fair enough.","start":2863.545,"end":2864.285,"sentiment":"neutral","sentiment_score":0.2209569290280342},{"text":"Yeah.","start":2865.2249,"end":2865.4648,"sentiment":"neutral","sentiment_score":0.1733141541481018},{"text":"I know that's probably outside the curve of what we're doing here, but I know for you guys financial advice, so it'd be good to arrange a time to, I guess, talk about general strategy.","start":2865.4648,"end":2885.5999,"sentiment":"neutral","sentiment_score":0.1497717873858554}],"sentiment":"neutral","sentiment_score":0.15644266153685749,"num_words":40,"start":2862.7449,"end":2885.5999},{"sentences":[{"text":"Yeah.","start":2888.14,"end":2888.39,"sentiment":"neutral","sentiment_score":0.15218485891819},{"text":"Mhmm.","start":2888.39,"end":2888.89,"sentiment":"neutral","sentiment_score":0.17190301418304443},{"text":"Mhmm.","start":2930.25,"end":2930.75,"sentiment":"neutral","sentiment_score":0.11056427657604218},{"text":"Mhmm.","start":2930.89,"end":2931.39,"sentiment":"neutral","sentiment_score":0.07891012728214264},{"text":"It's the inbox that I look at most frequently.","start":2940.41,"end":2943.645,"sentiment":"neutral","sentiment_score":0.2672521041499244}],"sentiment":"neutral","sentiment_score":0.22452547802374914,"num_words":13,"start":2888.14,"end":2943.645},{"sentences":[{"text":"So I want it to be my primary contact.","start":2944.185,"end":2946.365,"sentiment":"neutral","sentiment_score":0.2797381170094013},{"text":"Probably would be better like like, is there a different selection for you guys between the email that support my contact and the email that's associated with my account?","start":2950.2651,"end":2959.7302,"sentiment":"neutral","sentiment_score":-0.14464693233884615},{"text":"Do you know what I mean?","start":2959.79,"end":2960.85,"sentiment":"neutral","sentiment_score":-0.061113340159257255},{"text":"Like, logins and the like?","start":2960.9102,"end":2962.29,"sentiment":"neutral","sentiment_score":-0.05883348882198334},{"text":"Yeah.","start":2973.395,"end":2973.895,"sentiment":"neutral","sentiment_score":0.01667635515332222}],"sentiment":"neutral","sentiment_score":-0.04642578229308128,"num_words":50,"start":2944.185,"end":2973.895},{"sentences":[{"text":"Yeah.","start":2975.5151,"end":2976.0151,"sentiment":"neutral","sentiment_score":0.02852579951286316},{"text":"Yeah.","start":2977.635,"end":2977.955,"sentiment":"neutral","sentiment_score":0.03348924219608307},{"text":"No.","start":2977.955,"end":2978.195,"sentiment":"neutral","sentiment_score":-0.034119248390197754},{"text":"Look.","start":2978.195,"end":2978.435,"sentiment":"neutral","sentiment_score":0.07695911824703217},{"text":"That's fine as it is.","start":2978.435,"end":2979.395,"sentiment":"neutral","sentiment_score":0.2972089469432831}],"sentiment":"neutral","sentiment_score":0.17676662736468846,"num_words":9,"start":2975.5151,"end":2979.395},{"sentences":[{"text":"I'm not planning on going anywhere anytime soon, so we'll we'll keep it as is for now.","start":2979.395,"end":2985.415,"sentiment":"neutral","sentiment_score":-0.09980755156892188},{"text":"Yep.","start":3018.03,"end":3018.53,"sentiment":"neutral","sentiment_score":0.14925548434257507},{"text":"Sure.","start":3043.9001,"end":3044.4001,"sentiment":"neutral","sentiment_score":0.206496000289917},{"text":"So the baseline site design, that's not that 1.64%.","start":3045.6602,"end":3049.9202,"sentiment":"neutral","sentiment_score":0.16134148008293575},{"text":"Yeah.","start":3052.4602,"end":3052.7002,"sentiment":"neutral","sentiment_score":0.0761653482913971}],"sentiment":"neutral","sentiment_score":0.006457302655125487,"num_words":29,"start":2979.395,"end":3052.7002},{"sentences":[{"text":"Okay.","start":3052.7002,"end":3053.2002,"sentiment":"neutral","sentiment_score":0.05761818587779999},{"text":"Mhmm.","start":3067.92,"end":3068.42,"sentiment":"neutral","sentiment_score":0.05759470909833908},{"text":"Yeah.","start":3074.88,"end":3075.2,"sentiment":"neutral","sentiment_score":0.11319203674793243},{"text":"Sure.","start":3075.2,"end":3075.52,"sentiment":"neutral","sentiment_score":0.13308578729629517},{"text":"So that says Vanguard.","start":3075.52,"end":3076.9,"sentiment":"neutral","sentiment_score":0.09567421115934849}],"sentiment":"neutral","sentiment_score":0.09302344545722008,"num_words":8,"start":3052.7002,"end":3076.9},{"sentences":[{"text":"Services.","start":3077.5999,"end":3078.0999,"sentiment":"neutral","sentiment_score":0.005218213889747858},{"text":"So what is it that I'm doing with the services just to be able to review it at this point?","start":3079.04,"end":3083.195,"sentiment":"neutral","sentiment_score":0.03854993861168623},{"text":"I'm not signing anything, am I?","start":3083.195,"end":3085.135,"sentiment":"neutral","sentiment_score":-0.20671582967042923},{"text":"Easy.","start":3118.635,"end":3119.135,"sentiment":"neutral","sentiment_score":0.12138257920742036},{"text":"I'm sorry.","start":3119.835,"end":3120.155,"sentiment":"neutral","sentiment_score":-0.044492012821137905}],"sentiment":"neutral","sentiment_score":-0.014389314611131946,"num_words":30,"start":3077.5999,"end":3120.155},{"sentences":[{"text":"I forgot your name.","start":3120.155,"end":3121.2148,"sentiment":"neutral","sentiment_score":-0.08115356601774693},{"text":"Okay.","start":3123.0,"end":3123.3599,"sentiment":"neutral","sentiment_score":0.1648978888988495},{"text":"Awesome.","start":3123.3599,"end":3123.72,"sentiment":"positive","sentiment_score":0.620598554611206},{"text":"Thanks a lot of time.","start":3123.72,"end":3128.46,"sentiment":"positive","sentiment_score":0.7034685134887695},{"text":"Okay.","start":3133.863,"end":3134.363,"sentiment":"neutral","sentiment_score":0.18841642141342163}],"sentiment":"positive","sentiment_score":0.3472200973580281,"num_words":12,"start":3120.155,"end":3134.363},{"sentences":[{"text":"Thank you.","start":3139.783,"end":3140.523,"sentiment":"positive","sentiment_score":0.7451077997684479}],"sentiment":"positive","sentiment_score":0.7451077997684479,"num_words":2,"start":3139.783,"end":3140.523}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Is this Jonathan?\n\nChannel 0: Good afternoon, Jonathan. It's Tommy here from. How are you doing?\n\nChannel 1: Am I doing well? Yourself?\n\nChannel 0: Living the dream. So it's a beautiful day on the Gold Coast, and the dog his dog in the boss has brought his dog in, to be honest.\n\nChannel 1: Not good on it.\n\nChannel 0: Mate, I've just got you here for an annual review. I'm just getting through a quick security check with you and send through a pack to you. Can I please confirm your date of birth and address?\n\nChannel 1: 03/22/1989. 50 Postal Garden, Alice Springs.\n\nChannel 0: Sensational. Thank you for that. And I'm ready with our speaker's adviser 1273105. Mate, I've got your email address listed here. File was the RPS consulting one.\n\nWill you have a look onto that email with me today?\n\nChannel 1: I might have difficulty reviewing attachments on that one. So could we please send it to my Gmail?\n\nChannel 0: Yeah. Absolutely. Let me just switch it around a little. And, basically, what I'll do today is gonna update a few details because we have a new system in overview. And I don't believe I've spoken with you before.\n\nI'm the new senior adviser here. So I'm basically just gonna recap your goals, go through some strategies with you. And I do see some notes there that you wanted to talk about your investments. I believe that's the main thing. Anything else?\n\nChannel 1: Alright. You're pricing up a bit there. Could you say it again?\n\nChannel 0: Yeah. So I've saw a note there that you talk about the investments for the super. Just wondering if there's anything else in particular for this review.\n\nChannel 1: No. That should do it.\n\nChannel 0: Perfect. Alright. So I'm just gonna put that here. Just bear with me for two minutes, mate.\n\nChannel 1: Mhmm.\n\nChannel 0: Here. I've got Gmail address there as well. So that's the main one to send it through for today.\n\nChannel 1: Mhmm.\n\nChannel 0: Thanks, mate. Alright. That should pop through pretty quickly. If it is the first time using your system, it may go to your spam folder, but that usually does come through in about thirty seconds or so. Now perfect.\n\nSo you can bring that one up. There's a purple sign button. It just brings open the documents per peruse together today. Main\n\nChannel 1: Mhmm.\n\nChannel 0: thing I wanted to look at at this point is just in terms of changes in your circumstance and your So just let me know if this sounds correct. We've got you here wanting to basically grow your super as much as possible. You had a bit of an insurance fix up there to begin with. Estate planning was put in place, but you had a priority for a couple of years to kind of your savings cash buffer, eventually pay down the home, do a bit of travel, and possibly purchase another home that you might convert into, like, an Airbnb. Does that sound okay?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: K. Anything in particular for you guys, say, one to three years that I need to factor into the advice?\n\nChannel 1: Like, we would be looking to have another child. I guess that's what goes into the interview.\n\nChannel 0: Yeah. I've just had my first myself. So you're currently married with Sarah, and you've got one child at the amazing. And we have you here as a project manager slash engineer for RPS. And I think we had you on about a 160,000.\n\nHas that changed much when you your tax return this year?\n\nChannel 1: No. That's that's my current salary. Yeah.\n\nChannel 0: Yep. Perfect. So in any updated projections or anything like that, I could base it on those contributions. And do you have any thought towards, you know sorry? I was just wanting to check-in terms of the contributions I can base the projections and advice on.\n\nI'll put in there the contributions you're putting in. What are you looking to do any\n\nChannel 1: Yep.\n\nChannel 0: kind of salary sacrifice or anything this year, or you've enough kind of cash flow priorities at the moment?\n\nChannel 1: I'm making good point. So I've recently started having a an evaded late. I how much was\n\nChannel 0: Right.\n\nChannel 1: it? $57 a v.\n\nChannel 0: Perfect. And are you did you get a chance to get a benefit from some of the subsidies in terms of the the tax changes on that one? I know you've got it in just the cutoff date. Would you have purchased that last or this\n\nChannel 1: No. I only got it. I would\n\nChannel 0: year?\n\nChannel 1: have purchased it just before end of financial year. Yeah.\n\nChannel 0: Oh, right. Perfect time for that. I think they said the change is set for, I think, April, that they'll remove some of those benefits, So no timing\n\nChannel 1: Mhmm. Yeah. I didn't think that impacted what the models that we were looking at.\n\nChannel 0: there. Beautiful.\n\nChannel 1: I don't know\n\nChannel 0: Yes.\n\nChannel 1: if doing anything there. Yeah.\n\nChannel 0: Alrighty. Now I've got your hosted as well. I'll do a quick updated online valuation for your property value. But in terms of the mortgage there, I think we had about three owing at the time.\n\nChannel 1: What was that value, sir?\n\nChannel 0: I'm just doing a search for the value at\n\nChannel 1: Mhmm.\n\nChannel 0: the moment, but I was just wondering around the mortgage. We had it at 320,000. Property value online is coming up as around 480,000. Does that sound about right to you, or is that a bit low?\n\nChannel 1: Yeah. That's probably alright. Like, we'd hope to sell it to 500,000, but I wouldn't be surprised if it's it's a bit with the recent changes in pricing You know, like,\n\nChannel 0: Yeah.\n\nChannel 1: federal\n\nChannel 0: Absolutely.\n\nChannel 1: laws.\n\nChannel 0: $104.80 for the time being. Just keep it conservative.\n\nChannel 1: Yes.\n\nChannel 0: Is that alright?\n\nChannel 1: Yep. And the loan is, yeah, $3.20 what? $3.23, $3.24.\n\nChannel 0: $333.24. Perfect. And last, assets and liabilities, we had cars there, but I did note the electric vehicle on the Novated lease and just\n\nChannel 1: Mhmm.\n\nChannel 0: a credit card there. No other loans or assets, shares or crypto?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Perfect. Last couple of details to update, and then I can dive in with you, is just in terms of savings. Do you tend to build up savings in an offset account or a savings account?\n\nChannel 1: Yeah. Offset account.\n\nChannel 0: Perfect. Do you have an approximate balance to note down just for the time being?\n\nChannel 1: 34. Cool.\n\nChannel 0: Perfect. They have changed some anti money law laws at the moment, so we're just asking a couple extra questions here. In terms of insolvency, have you ever gone through any bankruptcy or part nine agreements\n\nChannel 1: No.\n\nChannel 0: and not a member of a tax jurisdiction?\n\nChannel 1: No.\n\nChannel 0: Perfect. Awesome. So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning. There was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you?\n\nChannel 1: Yeah. Like, I am thinking that I might start going in, like, looking to a different customer investing plan. Yeah.\n\nChannel 0: Yep. We can always have a discussion around investments inside the super and options that may be available for you personally as well. I do know that your your hub fund does offer, like, investment accounts. So you can have, for example, an investment account inside your super, you can invest in all the same kinds of managed funds and ETFs and things like that. Cool.\n\nIf you have a look at that email there, the documents have popped up, and you can usually click the next commit button to cycle through them or just scroll through the documents with me. And the first I can see there is a summary of the superintendents. You should see your hub account and the Clearview policy. It's got a bit of an oak view letterhead on it. So hub is platform for the super and Clearview, the insurer that we're currently using.\n\nCorrect. So life insurance, 1.4 mil if\n\nChannel 1: Right?\n\nChannel 0: you away. TPD is permanent disablement. So that's another lump sum. Again, clear the debts, replace the lost income. Income protection is your temporary disability.\n\nSo if you're out of work for more than the thirty day waiting period, it'll kick in a monthly benefit for up to five years. I'm kind of taking a look here just at the the amount because it is percentage based. Thirty day waiting period, five year benefit. Now bear in mind, the monthly benefit, that is the gross. It's before tax.\n\nSo what I basically do here is I just have a look at that monthly benefit. We look at when the policy was put in force, which was 2023. So we've got eight seven one four. It's a 70%. It's protecting income of about a 150,000.\n\nIt'll probably still get you just shy of 2,000 a week in hand off tax. Do you think that would still kind of cover you guys, you know, to keep the mortgage paid and things like that, or does it seem low?\n\nChannel 1: Well, it should be well, been a long time. Is it just for temporary? Because I'm wondering if there are other reasons for the income protection.\n\nChannel 0: Yeah. So it counts and injury. So it's anything\n\nChannel 1: Mhmm.\n\nChannel 0: based outside of work because most of the times work would be covered by, like, work cover. Income protection can pop it up, but it's any\n\nChannel 1: Sure.\n\nChannel 0: illness or injuries that put you out of work for more than a month.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And I'm just looking at the premiums there. So $25.09 comes out of the super. You do get a 15% tax rebate for being paid super, so it drops it under $2. I see here that because of the engineering side of things, you've got a really good occupation rating. Pretty much\n\nChannel 1: Okay.\n\nChannel 0: one of the best occupate ratings you can get for pricing. I think the only thing above would be like a lawyer.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Now if\n\nChannel 1: Okay.\n\nChannel 0: at any point that kind of skyrockets in because since you've, you know, late thirties, not too bad now, but once you hit forward, it's step, then it will go up with your age. So what will tend to happen in your forties is it'll jump up $3.04, $5,000. And then once you hit your late fees, it can go all the way up to 7,000, 10,000, 15,000. So the aim of the game is to kind of reduce the cover down as you pay off the mortgage because, essentially, you've got less things that you need to cover for, especially when there's years to cover, less liabilities. So there's a bit of balancing act that we do to keep it trimmed down.\n\nAnd if we need to, we can shop around for other providers as well.\n\nChannel 1: Yeah.\n\nChannel 0: I guess the last question I've got just for insurance side of things is the point four mil for the life insurance. That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income. Do you feel like that income of the income protection is okay in that scenario? So if you were to pass away, home loan's paid off, they've got that lump sum there. Does that sense like they'd be able to get back on their feet kind of thing?\n\nChannel 1: Yeah. Yeah. I think that would be good.\n\nChannel 0: K. So I'll keep that one as is for the time being. Now on the email that you there, there should be a next document budget to bring open for your hub 24 performance table.\n\nChannel 1: Yep.\n\nChannel 0: Now it's a big blue one there. I know sometimes it can be a bit blurry on these type of programs. Can you make out any of the the names and is all the writing clear enough to look at?\n\nChannel 1: Okay. I I can read it. Okay?\n\nChannel 0: Cool. I'll point out a couple of key points here that I've been looking at before the review as well.\n\nChannel 1: Yeah.\n\nChannel 0: For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio. So the majority of is in your growth assets like shares, property, and. You have very little in defensive assets to try and get those higher long term returns. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and\n\nChannel 1: Mhmm.\n\nChannel 0: it's cleared about five for the year. I do see here the account. Overall, your account's done on a balance standpoint just because the contributions have been fantastic. So you came on board. You've gone from 50,000 to a 116.\n\nIf you recall, you've had a bit of a dip in 2025 when markets went down. And then again, we had a dip at the start of this year where it went from, like, a 106 down to about 98, and then it back up again. Now two sort of concern that I can see is the Benelong Australian shares option. Anything that you see on the right hand side for the percentage returns, if it's bracket, it means it's a negative, and anything that doesn't have a bracket is a positive\n\nChannel 1: Yeah. Like, that one was underperforming last year as well. And so now yeah. I'm fucking up money for you.\n\nChannel 0: return. And, basically, I've I've had a lot of exposure to all of the funds that you've currently got before I came to Oakview. I've been doing this for about twelve years now, and Spenalong\n\nChannel 1: Mhmm.\n\nChannel 0: was kind of on a lot of people radar last year. And, basically, when I came to Oakview had a pretty recently with the investment committee to look at alternatives for that option. And I was probably coming into this meeting wanting to look at a replacement part. Now\n\nChannel 1: Mhmm.\n\nChannel 0: across the rest of the portfolio, everything is looking pretty good in terms of behaving the way I would expect it to. So the gold being up 24%, that tracks the gold market. That's fantastic. The international shares are doing really well. They're tracking their areas very well, Pretty diversified in terms of health care, different sectors.\n\nCybersecurity is gonna be a bit of an issue going forward. The other one I'd like to look at is the bank hybrids. It's the section on the list. The government is actually phasing that type of term deposit out over the next couple of years. So I wanna just kind of take the opportunity to update that as well as underperforming option.\n\nIs that okay?\n\nChannel 1: Mhmm. Yes. So phasing out sounds good. What are we thinking of it?\n\nChannel 0: There's a couple of options in terms of style. So when it talks to, like, Hub as a plat it's got the most investments in the industry. So we've got about 1,300 options there, plus everything listed on the stock exchange. So I can pretty much pick any option within any file to replace it with, but you've got two main sort of categories. You've got your low fees of options that follow the market very closely, or you can continue in that kind of active space where you pay a bit higher investment fee to try and get a higher return in the market.\n\nI guess the question I really wanna ask you, because I will make a recommendation, is between those two styles, which one do you lean more towards on a gut feeling?\n\nChannel 1: Yeah. Like, my general understanding is extra fee, APN to is the fee relative to the dollar value investment?\n\nChannel 0: Yeah. So the percentage based fee.\n\nChannel 1: Yeah.\n\nChannel 0: So when we look at each\n\nChannel 1: Yeah.\n\nChannel 0: option individually, we basically this is the investment fee. This is the returns. What's the returns net of fees? And is it performing in line with the objective? Which for this one would be outperforming the Australian market, which is not currently I do have options that are outperforming the Aussie market, but I also have straight up index ETFs, which would heavily reduce the investment fees and get it straight back on track with the Aussie market.\n\nChannel 1: Yeah. Like, I'm I'm generally for lower fees, but I think on the whole, we end up up performing better\n\nChannel 0: Easy done. So\n\nChannel 1: overall.\n\nChannel 0: I'll look through actually, most of the providers you've got there are the low fee ETFs, the the beta shares, and the iShares. They're pretty alongside the Vanguard. So\n\nChannel 1: Mhmm.\n\nChannel 0: the kind of main two two fund managers that offer index ETFs. So I'm gonna have a bit of a a tweak there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now overall, in terms of long term side of things, so I mentioned before, you need to hit that kind of 10% benchmark. This portfolio itself is still clearing but it does have a couple issues\n\nChannel 1: Alright, mate.\n\nChannel 0: that I think\n\nChannel 1: I'll just get there.\n\nChannel 0: oh, yeah. Sorry. Can you hear me now?\n\nChannel 1: Yeah. I can.\n\nChannel 0: So\n\nChannel 1: You just completely\n\nChannel 0: what I was saying\n\nChannel 1: just said\n\nChannel 0: was\n\nChannel 1: yes.\n\nChannel 0: in terms of the benchmark, the portfolio is still clearing at 13% per annum long term, but that doesn't mean that it doesn't have that issue that needs to be addressed right now.\n\nChannel 1: Well, yeah. So the past financial year, well well, August, August, I'm looking at a 5% growth. Is that what I'm reading there, roughly?\n\nChannel 0: Correct. So that's total\n\nChannel 1: It's\n\nChannel 0: portfolio\n\nChannel 1: pretty low.\n\nChannel 0: on the second page.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: And with the high growth, so I was saying good years, you want to be getting ten, twenty, 30%. Yes. You're gonna have that back every seven where it does kind of 20%.\n\nChannel 1: Well, yeah.\n\nChannel 0: But\n\nChannel 1: But the market as a whole has been has been fighting. Like, that's the crazy thing. Bonds are up. Shares are up. Gold's up.\n\nLike, everything's going up right now. So quite honestly, I'm a bit astounded that I've only got a 5% IRR here.\n\nChannel 0: Yeah. And when I compare it to kind of where you were before with the rest option, they definitely done a little bit better for the last twelve months.\n\nChannel 1: Mhmm.\n\nChannel 0: Three years wise, they're they're kind of still a bit low, 7%, 9% for their balance and growth options, which is below what you're aiming for. So, yeah. Just talking in terms of net returns after.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So I think the main thing is get it back on track to where it should be. The Benelon option in itself, I think what ended up happening there was that they made a few bad investments. And when those investments written down, there's a bit of a news article about it that we had a few people leave the fund recently. So that's why we've kind of flagged that. I don't think it's one of those options where you just wait twelve months for it to come back now.\n\nIt's gotten to a point that it has to be fixed, and that's\n\nChannel 1: Yeah.\n\nChannel 0: the only reason why it's below that percent for this year.\n\nChannel 1: Yeah. Yeah. Well, yeah,\n\nChannel 0: Cool.\n\nChannel 1: we're looking at a what is that? 25% loss.\n\nChannel 0: Yeah. One of the little tricks I'll do for this one is any type of funds that in a negative, we can use that to offset any gains for the other options if we wanna update a few options within the portfolio, and that'll reduce the impact heavily. So any capital gains I switch out will kind of mitigate the tax that Uber would pay under the hood.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So I'll do that to\n\nChannel 1: At at\n\nChannel 0: just\n\nChannel 1: a time?\n\nChannel 0: make sure it's not oh, sorry. So, you know, if you had, like, a couple of investment fees and you sold one for a gain and one for a loss, they would offset each other in terms of paying capital gains tax. So it kind\n\nChannel 1: Sure.\n\nChannel 0: of gives me an opportunity to update some of the other options for essentially free\n\nChannel 1: Mhmm.\n\nChannel 0: to get the loss that was occurred with Benelon.\n\nChannel 1: Okay. And I update them now. What what do you mean by that?\n\nChannel 0: So in terms of the switch, so I'll look at for Benelon, the bank hybrids. There's probably a\n\nChannel 1: Yep.\n\nChannel 0: few other options we might look to mix in as well, whether that's\n\nChannel 1: Yep.\n\nChannel 0: electric vehicles, things that are pretty popular and looking good long term. I can kind of use that to sort of buy in for free to get those sectors.\n\nChannel 1: Okay. Sure.\n\nChannel 0: That\n\nChannel 1: Yeah. And so the\n\nChannel 0: sound\n\nChannel 1: fourth option down there, those India funds, they're also, you\n\nChannel 0: okay?\n\nChannel 1: know, performed pretty poorly. What are we thinking with that?\n\nChannel 0: So with India, that's an interesting one. So that's more of a a long term macroeconomic play. I know a lot of\n\nChannel 1: Mhmm.\n\nChannel 0: firms have been doing that the last two years because of the switch from, like, China to India for manufacturing. So when those countries get the manufacturing across and the GDP grows, that's when you expect to get the gains out of those companies. So it's one of those\n\nChannel 1: Okay.\n\nChannel 0: ones where it's kind of like a five to seven year, if not longer, investment, which is why there's only a portion in that one. I don't have much concern for that one, but if it is something that you're like, look, I really don't want any single option to the negative like that, I can update that too. But,\n\nChannel 1: Yeah. No.\n\nChannel 0: again,\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: sensible.\n\nChannel 0: was more like a five year thing.\n\nChannel 1: Yeah. Yeah. No. That that makes sense to me. I can see India growing, so that's all good.\n\nIs it like it's not an in-depth fund. What is an ETF, actually? Portfolio type that.\n\nChannel 0: No. That's totally fine. So when you're in the stock market or, you know, Comsec account, you buy some shares, an ETF is basically just a collection of shares where they just wrap a bubble around it. For example,\n\nChannel 1: Yep. But\n\nChannel 0: the\n\nChannel 1: who\n\nChannel 0: S\n\nChannel 1: just died?\n\nChannel 0: and P.\n\nChannel 1: Like, who packages that?\n\nChannel 0: Sorry? The fund manager packages it, and then it gets listed on the stock exchange, and then you purchase through whichever brokerage firm you use or whichever plat.\n\nChannel 1: Yeah. Sure. Sure. So it's not something that you guys yourselves are packaging. I hope you you'll you'll buy it off.\n\nYeah. Off some brokerage, wherever they're located.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. That's\n\nChannel 0: That's\n\nChannel 1: fine.\n\nChannel 0: one of the main reasons why you're in 24 platform besides the amount of options they is they do this thing called aggregated bidding as a feature. So if anyone is buying what you're selling or selling what you're buying, you can essentially trade the parcels and you won't get charged fees for it. Just a way to kind of reduce the broke the impact on your super. I've seen a couple of clients since I've come to Oakview that it's gone down about 80% brokerage fees, which is brilliant. But, basically,\n\nChannel 1: No.\n\nChannel 0: most of those there, once you purchase them, investment fee range for them is from about 0.04% to about 0.6, whereas the the is, like, above 1% for an investment fee.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: K? So I think that passive\n\nChannel 1: Yeah. But\n\nChannel 0: approach probably\n\nChannel 1: yeah.\n\nChannel 0: works for you.\n\nChannel 1: Yeah. India. Yeah. I'm happy to take it to India. That makes sense in the long term.\n\nCool.\n\nChannel 0: Perfect. Alrighty. I'll have a look at that. Tweet it from here. What I'll do is put together the comparisons, the updated advice document, updated projections, and then I'll get you booked in to go through those with me, And then we can kind of see if you're comfortable before I make those changes.\n\nChannel 1: Yeah. So I guess one thing I'd like to tell you is, like, what what's the share I've got in gold at the moment\n\nChannel 0: Let me have a look. It's on the dashboard\n\nChannel 1: today?\n\nChannel 0: there. Do you usually log in to your at all on the phone or computer?\n\nChannel 1: I was just looking. I don't think I've written probably on my phone, which\n\nChannel 0: Would you like me to your, like, login reset while I have a\n\nChannel 1: is on. Let me just see how I like, what the app yeah. But there you go. I don't even download it. There you go.\n\nChannel 0: chance?\n\nChannel 1: I'll I'll\n\nChannel 0: I'm pretty\n\nChannel 1: I'll do\n\nChannel 0: familiar\n\nChannel 1: that.\n\nChannel 0: with the old hub. I would suggest your website's a bit better than the app.\n\nChannel 1: Yeah. I've only got my phone here with me right now. I'm actually on holiday. So, yeah, what's wrong with this for\n\nChannel 0: Now your\n\nChannel 1: today?\n\nChannel 0: exposure, 10 and a half percent. Usually, I think we look at around seven to 10 depending on the portfolio. There's a few model portfolios to use, and that's kind of a we never usually do more than 10% in an alternative satellite option. So your main one is like your your American shares, your Australian shares, your S and P, your ASX. The ones like Golden Cybersecurity, those satellites usually run between five to 10%.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And you're\n\nChannel 1: K.\n\nChannel 0: sitting at 7.4.\n\nChannel 1: Yeah. No. That sounds fine. I I'm trying to think of what? Sorry.\n\nDo you have any idea what my login ID would be? Is it just my email address? Or\n\nChannel 0: Yeah. Email address usually works. I'm just gonna hop on to the account details because sometimes it'll me the actual sort of username on that.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got login status active. The email address does work, but you've got the login ID. If you'd like to note it down, I've got it in front of me.\n\nChannel 1: Yeah. Let's do that.\n\nChannel 0: 13672762.\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Okay. One\n\nChannel 0: it's\n\nChannel 1: 36727\n\nChannel 0: yep.\n\nChannel 1: 62.\n\nChannel 0: Correct. And it's linked to your mobile number ending in 030 for multifactor authentication Text message.\n\nChannel 1: Right. Yeah. Wonderful. I guess I'll just have a start with my password in there. Okay.\n\nI thought I'd copy my my date. 137. What's the rest\n\nChannel 0: And then it's 2762.\n\nChannel 1: of it? Let me do the recapture twice.\n\nChannel 0: I know Hubs usually good for the the text message rather than the authenticator apps for that one.\n\nChannel 1: Yeah. That's definitely better.\n\nChannel 0: Jonathan, just while you're going through that login process, I was just gonna ask you a quick question around the retirement side of things. Do you have a second?\n\nChannel 1: Before we do retirement, could I just ask what's that right? 13673762. Alright, mate. I am still on hold. I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself.\n\nBut, you know, there's a lot of uncertainty in the market generally. You know, fears of a crash from this, that, or the other thing. So, yeah, what what is the medium to long term perspective on that? Like, especially in terms of the AI\n\nChannel 0: Yeah. So you've just opened up five topics in my mind just then. I'll try and keep it succinct.\n\nChannel 1: bubble. Yep.\n\nChannel 0: I'll take you through three main points to begin with. So the outlook for the rest of this year and\n\nChannel 1: Yeah.\n\nChannel 0: next year is just volatility, which basically just means the movements are sharper and quicker. So every week, every month, the market's moving higher and lower at a higher percentage than it normally would in the usual seven year cycle where it just slowly creeps and then crashes.\n\nChannel 1: And what's the underlying reason for that? Well, probably multiple, but major.\n\nChannel 0: Besides the wars, economic issues, inflation, property markets around the world, AI bubble, that kind of thing, that's five contributing\n\nChannel 1: Mhmm.\n\nChannel 0: Inside that as well, those indexes that you're looking at, the S and P 500 for Africa, the ASX 200 for Australia, those are the largest companies in that country. So as those changes happen, there's gonna be companies coming into that index because they've grown massively in size, and then other ones\n\nChannel 1: Mhmm.\n\nChannel 0: popping out there. And they're all different industries and different things like that. So from\n\nChannel 1: Yes.\n\nChannel 0: the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form. Whereas Australia has been very stable for a long time of The biggest companies are pretty much the banks and the miners with a few other guys mixed in, Coles, Woolies, things like that.\n\nChannel 1: Mhmm.\n\nChannel 0: So my first point is that volatility is gonna remain high. Generally speaking, I'm still expecting some pretty decent growth throughout the end of the year and next year. The AI bubble, last time we went a bit of a a seminar to talk to fund managers, people are talking about anything from a four times boost in the the hyperscaler companies or up to 4,000 times, you know, if you think that SpaceX and the like will kind of get us to that type of scale of things. So, basically, what's happening through most of the funds is people wanna make sure they've got enough exposure to those companies so they can capture the growth. That's things like a Nasdaq and tech stocks without piling all of your money and all of your super into one sector, where if that\n\nChannel 1: Yeah.\n\nChannel 0: then bursts, it takes your entire fund down 80%, and you're sitting there with $20,000 next year.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: So most of the moves that we're doing with these portfolios is just making sure we're assuring the sectors to get the growth side of things with avoiding the biggest risk, which is a full wipeout.\n\nChannel 1: Yes.\n\nChannel 0: The flip side, though, is because we're going like a passive approach with your portfolio, the aim of the game and and it may seem very strange, and you're probably gonna be like, tell me why the hell would you do this. But, basically, you expect every seven years to be growth crash crash. And with the index funds, we basically use them as buying opportunities. So contributions keep going in. Every time the market dips, we can buy into it to buy more shares of property, more companies, more buildings for a cheaper price and just repeat that growth and crash cycle until you close to retirement.\n\nThat's, I guess, the conventional wisdom. Now having reached all of the different, you know, GFC, hyperinflation scenarios, AI, all that kind of I still do believe that that approach works very, very well. Like you said, low fees tend to just play out well long term. And sticking to a market for years in growth assets, generally speaking, if you've diversified enough, property shares, you're gonna get the growth compared to sitting all your money in the bank. And what I'm\n\nChannel 1: Yeah.\n\nChannel 0: basically saying is we're not trying to time the market because these things could happen over the span of two weeks, two months, or two years. And\n\nChannel 1: Yeah.\n\nChannel 0: it was hard enough to time the market beforehand, but now it's basically impossible.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So we're basically playing long term averages. And then when we do our investment committee reviews and we meet with fund managers, we basically check to make sure and stress test the portfolios to make sure whatever economic cycle happens outside that we can still capture whatever's growing at the time.\n\nChannel 1: Yes.\n\nChannel 0: Now I know I just went into, again, five different things, one, two, three, four, five, but does that kind of make sense? Volatility, long term,\n\nChannel 1: Yeah.\n\nChannel 0: buy\n\nChannel 1: It's\n\nChannel 0: the dip with low fees, and watch\n\nChannel 1: yeah.\n\nChannel 0: out for\n\nChannel 1: It\n\nChannel 0: the bubbles.\n\nChannel 1: it it certainly makes sense for Super just to do the the long term diversification strategy. Like yeah. I've got a commerce degree finance degree, but I never really pursued it that much. But, yeah, yeah, you're not really telling me anything new, and that's fine. It just makes sense.\n\nIt's it's stable. So probably just one more thing before we move on. I think I would\n\nChannel 0: Yeah.\n\nChannel 1: be interested in getting more in gold itself. I can see that continuing to grow. So I think anyway, from 50 to a 100% increase in current gold investment in my portfolio, I think I'd appreciate.\n\nChannel 0: Okay. I'll note that down, and I'll include it in the research. In. Done. So main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure.\n\nAnd generally speaking, I do have to ask, are you still okay with the the high growth\n\nChannel 1: Yeah. Like, I was I think you said some sitting around 7.4% risk profile. Is that was that the number?\n\nChannel 0: profile? So when you're in high growth, you're 90% growth, that's or above. That's basically putting it all on the table, and the main risk reduction there is the diversification, the different\n\nChannel 1: Yep. Yeah.\n\nChannel 0: sectors, the different asset types,\n\nChannel 1: Yeah. For sure.\n\nChannel 0: not having turned upon defensive assets to offset the market\n\nChannel 1: Yeah. I know. Yeah. No. That makes sense.\n\nThank you. Like, outside of in that increase in gold, which I think is traditionally more of\n\nChannel 0: crashing. A hedge.\n\nChannel 1: a a fantastic. Yeah. No. I'm quite happy to keep keep in that high growth. Yeah.\n\nChannel 0: And generally speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful. There are those scenarios that have happened where both the fixed interest markets and bonds go run at the same time as the growth So like you were saying, everything's going up at the same time. There is that possibility that they all go down at the same time, and then you see a balanced fund seventy thirty going down to the same degree as a full 100% growth portfolio as well. So it doesn't mean that just\n\nChannel 1: Yeah.\n\nChannel 0: because we shade you down a risk profile that we're avoiding all risks.\n\nChannel 1: Yeah. No. I I think not only do we have a few economic bubbles, and I I can see that we've got well, I see that we've got a a market as a whole bubble of some description. So who knows how that'll play out? Maybe it's the world we live in now.\n\nChannel 0: Yeah. And big changes ahead. I've been basically waiting for certain things to, I guess, crash since 2012, keeping an eye on different, you know, property markets and bubbles and things like that. And the painful part is even if you can see the huge risks and even if it's basically going to happen, when it's gonna happen is such a big question, whereas you think it's a you know, they increase interest rates in the property market, and then they went from 0% all the way up to six, and it still hasn't exploded yet. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: those things can happen. I'd rather just for people super in general, like you said before, is you keep it as steady a ship as possible with the highest chance of hitting your goal as possible. And if we were doing some personal investments over five, ten years, we can have a little bit more of a play around, a little bit more short term thinking. But for this one, it's basically try and get the highest return to better everybody else in the same scenarios. And if the world changes, to kind of adapt with it.\n\nChannel 1: Yeah. Yeah. That sounds good.\n\nChannel 0: Cool. I'll basically get Michelle to book you in a couple of just to go through the updated portfolio, make happy with it before we change anything, and any tweaks and things like that. But, basically, I'm just gonna through a few models that we've got, see if there's\n\nChannel 1: Mhmm.\n\nChannel 0: a better fit, and then I'll take into account the specific requests as well in terms of the gold to get that bumped up as well without the portfolio. Cool. Any other considerations or anything that you can think of at the moment?\n\nChannel 1: No. Nothing right now.\n\nChannel 0: Cool. So basically, it picks up the portfolio, leave the insurances alone for the time being, let you go through all cash flow and debt goals as you see them. We'll touch base if that changes and, you know, if you expand your family and so on. And the last thing is just in terms of estate planning. I had a note there that you did actually put a will in place.\n\nRight. Now when you put that in place, do you remember putting\n\nChannel 1: Yeah.\n\nChannel 0: in place a power of attorney?\n\nChannel 1: That's not my head.\n\nChannel 0: It's kinda\n\nChannel 1: Probably\n\nChannel 0: that\n\nChannel 1: not.\n\nChannel 0: one where you're in hospital, someone connect on your behalf, doctors, access bank accounts, things like that.\n\nChannel 1: No. I think I only did in terms of, like, the financials. Yeah. I think nothing in terms of\n\nChannel 0: Yep. Okay. And for the fisheries, I do actually see there's no fishery on the super, and I will\n\nChannel 1: that.\n\nChannel 0: have to just\n\nChannel 1: I yeah. I keep forgetting to process that.\n\nChannel 0: Fair enough.\n\nChannel 1: Yeah. It's yeah. Not good. I don't know if there's some way you can get that to me. I won't be able to action it this week on holiday, but maybe next week would be good\n\nChannel 0: Yeah. Is it easier to kind of email through to print out, get a witness, or if I just post to you with a return envelope. What's easier?\n\nChannel 1: for me. Yeah. I think transfer you to post it because that return envelope just saves me some hassle.\n\nChannel 0: It'll keep it kind of front setter and quick to act, and then you don't have to\n\nChannel 1: Exactly.\n\nChannel 0: worry about,\n\nChannel 1: That's\n\nChannel 0: oh,\n\nChannel 1: a\n\nChannel 0: look.\n\nChannel 1: period.\n\nChannel 0: I'll I'll print that out tonight and you forget.\n\nChannel 1: Yeah. Well yeah. Exactly. More so just having to get the envelope. Light.\n\nI don't I don't do much. Yeah. Anyway, yeah, if you send that through, that'd be good. What day is it today? Wednesday.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: I'll\n\nChannel 1: only thing\n\nChannel 0: someone\n\nChannel 1: I'd ask\n\nChannel 0: to start.\n\nChannel 1: is\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I I just don't want it arriving before the weekend because, you know, I'm I'm you know what? It'd be okay if it arrives on Friday. I'm flying back on Saturday. That's okay.\n\nYeah. Yeah. Let's just get that\n\nChannel 0: Cool. For the beneficiaries\n\nChannel 1: done.\n\nChannel 0: themselves, would it be helpful if I got someone to sort of prefill everything? So you just basically have to get it signed and\n\nChannel 1: Mhmm. Oh, yeah. Let's do\n\nChannel 0: Cool. So in terms of nominee, I don't wanna make any assumptions, but would you like to nominate for the super and if required, the life insurance?\n\nChannel 1: that. Yes. So both of them going to my wife, Sarah.\n\nChannel 0: Yep. We have Sarah. Same same. Are you okay if I jot down her date of birth to put on the form?\n\nChannel 1: Yep. Let me just be double insured.\n\nChannel 0: No. That's alright.\n\nChannel 1: I've got four family members in the family. 04/06/1990.\n\nChannel 0: Nineteen nineties of April. Sarah Hampshire. I might just have an oh, I don't wanna stretch it too much, mate, but middle name, if you if you know off the top of your head.\n\nChannel 1: Francis, f r a n c I s.\n\nChannel 0: F r a c I s. And the same, I'm assuming.\n\nChannel 1: First name.\n\nChannel 0: Same address for residential.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And these are sometimes they can be silly questions, but you've got two options for the non type. You've got legally binding or not legally binding where the super fund has discretion. You've\n\nChannel 1: I think\n\nChannel 0: also got\n\nChannel 1: labeling\n\nChannel 0: whether\n\nChannel 1: properly.\n\nChannel 0: it lapses on them. Legally binding is usually the way to go.\n\nChannel 1: Yep. And\n\nChannel 0: Still\n\nChannel 1: no\n\nChannel 0: strange\n\nChannel 1: less.\n\nChannel 0: they offer that option and lapsing. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: 100% non lapsing binding. You're just gonna get it with by two people who aren't the beneficiary on\n\nChannel 1: Yes.\n\nChannel 0: the same date, and you should be sweet. Cool. So I do appreciate you taking the time on the holiday to dive into the weeds of eating super and economies with me.\n\nChannel 1: Oh, good. Appreciate it.\n\nChannel 0: Got no. I don't this at all. This is what I love to do. So whenever I get someone who's actually interested enough to dive into me, I take that chance because most people in Australia just go sort it out for me, mate, and that's it.\n\nChannel 1: Yeah. Yeah. Not not the engineering curiosity takes over.\n\nChannel 0: And\n\nChannel 1: But\n\nChannel 0: look,\n\nChannel 1: I'm not\n\nChannel 0: can I say without being offensive that generally speaking, every time I see engineer, I see some who plans things? And every time I look at the goals, you've got in-depth goals stepped out. One, two, three, four, five, short, medium, long term. And\n\nChannel 1: Yes.\n\nChannel 0: I generally expect to get into investment discussions, and they've kind of almost look looking for two calls, I guess I would\n\nChannel 1: Sure. Sure. That is good.\n\nChannel 0: say. So quick recap. Beneficiaries, leave the insurance, update the portfolio, no salary sacrifice, but your goals updated there as well. And anything investment related, that will be in the future possibly. Any other area questions on your end?\n\nChannel 1: Like, a random question I've got is just regarding Hub twenty four. So, like, now that I've got it here, did you mention that Hub twenty four also does like, it's an option for oh, no. It's failing me. The personal investment, or is it only an access point for super?\n\nChannel 0: Personal investments that are identical platform. So, again, you're held in your personal name versus super, so the is the\n\nChannel 1: Yeah.\n\nChannel 0: different, but they're the exact same product. So Hub has three menus, Discover, Core, and Choice. You're in the Choice menu that has all the extra investment options and features, and they do offer them personally as well. You basically have the same login. I do that often.\n\nYou've just gotta be careful in terms of because Hub's a wrap platform. They've got the most options. They've got the most features. They tend to be higher cost. So they're not really good for someone who's under a 100,000.\n\nChannel 1: Yeah.\n\nChannel 0: You can start off in the lower menus when you're at about 50. I have built a couple of portfolios for people to start off with 20. But anything at, like, 20 and below mark, you might in a different provider until you build it up.\n\nChannel 1: Yes. I guess that's a piece of advice I'd be looking for. Like, that's kind of the first step I need to take is the timing. Yeah. How how I would\n\nChannel 0: Yeah. And the main thing is, are we doing a one off lump sum investment, or are we doing, like, an investment plan where we dollar cost average x amount per week or month? That's a a big thing as well when choosing platforms.\n\nChannel 1: Yeah. Okay. Different fees or something taking part in that.\n\nChannel 0: Yeah. Entry fee, brokerage fees. Some of them are good for the one offs, some are good for the regular, and some good for lower or higher balance as well.\n\nChannel 1: Yes. Yeah. Fair enough. Yeah. I know that's probably outside the curve of what we're doing here, but I know for you guys financial advice, so it'd be good to arrange a time to, I guess, talk about general\n\nChannel 0: Yep. And what we basically do is we go through an up good risk profile discussion just on the personal side of things\n\nChannel 1: strategy.\n\nChannel 0: in terms of what time frame you need to\n\nChannel 1: Yeah.\n\nChannel 0: invest\n\nChannel 1: Mhmm.\n\nChannel 0: in, and we'll go a bit for into investment styles that might suit the personal goals. What are you it for time frames? You know, is it to supplement an earlier retirement? So or is it just grow some wealth in the background, or is it even investments for children, you know, child homes and things like that? So I'll get the portfolio fixed up first, and then we can kind of tee up a bit of a time to go through a bit more depth, if that's alright.\n\nAside of that, the last thing I was gonna mention just before I go is just in terms of email addresses. So your account is linked to RPS Consulting\n\nChannel 1: Mhmm.\n\nChannel 0: on Hub\n\nChannel 1: Mhmm.\n\nChannel 0: four. Now are you okay if that one to be, like, the main driving email address between Hub twenty four and your\n\nChannel 1: It's the inbox that I look at most frequently. So I want it\n\nChannel 0: Yep.\n\nChannel 1: to be my primary contact. Probably would be better like like, is there a different selection for you guys between the email that support my contact and the email that's associated with my account? Do you know what I mean? Like, logins\n\nChannel 0: I\n\nChannel 1: and the like?\n\nChannel 0: yeah. I wish I wish we have all that control on our system for when we reach out to you and so on. Hub 24 is just locked into one, so any documentation we\n\nChannel 1: Yeah.\n\nChannel 0: send them has to be signed\n\nChannel 1: Yeah.\n\nChannel 0: by that email address.\n\nChannel 1: Yeah. No. Look. That's fine as it is. I'm not planning on going anywhere anytime soon, so we'll we'll keep it as\n\nChannel 0: Yep.\n\nChannel 1: is for now.\n\nChannel 0: Cool. So what we'll do is just in terms of that review pack, I'll resend that through to RPS Consulting just so it matches up because we do require consent to remain advisers and so on, and they wouldn't accept DocuSign from the other email address. And then we'll get you booked in for the the updated plan, go through that one, and then we'll have that chat about the investments. So just to kind of cap off those documents that you've got there, we have an\n\nChannel 1: Yep.\n\nChannel 0: updated service guide. So it won't you right now, but please bear in mind the consent form to remain a client review. We charge 1.65% spread through the year, and then you get a 15% rebate off of that. We are putting in place a tiered fee structure. So everybody above 200 down, the percentage will reduce, and then above 500,000, it'll reduce further as well.\n\nChannel 1: Sure.\n\nChannel 0: Cool.\n\nChannel 1: So\n\nChannel 0: There is\n\nChannel 1: the baseline site design, that's not that 1.64%.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: The other last one is the there's a bit of a lost super there. I know it's probably a bit redundant, but we do for every client just do a one off ping to the government database to see if there's any other holding funds floating around\n\nChannel 1: Mhmm.\n\nChannel 0: under their name. So if you're comfortable with, we've even included that in the doc pack as well.\n\nChannel 1: Yeah. Sure. So that says Vanguard. Services. So what is it that I'm doing with the services just to be able to review it at this point?\n\nI'm not signing anything, am I?\n\nChannel 0: Correct. So that just brings open the documents. I'll actually caution you not to sign it Gmail address because we wouldn't even be able to submit the documents to Hub unless it's under RPS Consulting. So I'll resend the pack through to that email address. The only two documents to sign if comfortable is the service statement and the lost super search.\n\nAnd then when we have the updated advice plan, there'll be an authority on that before we can change investments. Cool. Alrighty. Any questions for me before I let\n\nChannel 1: Easy.\n\nChannel 0: you\n\nChannel 1: I'm sorry. I forgot your name.\n\nChannel 0: Tell me.\n\nChannel 1: Okay. Awesome. Thanks a lot of\n\nChannel 0: No worries at all, John. Mate, pleasure\n\nChannel 1: time.\n\nChannel 0: speaking with you, and thank you so much for taking an hour out of your holiday. We will basically reach out in a couple\n\nChannel 1: Okay.\n\nChannel 0: of weeks' time, and I look showing you what we come up with for the portfolio.\n\nChannel 1: Thank you.\n\nChannel 0: Awesome. Have a great day. Cheers.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.02511710301041603},{"text":"Is this Jonathan?","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.02873539427916209}],"sentiment":"neutral","sentiment_score":0.027830821461975574,"channel":1,"num_words":4,"start":1.8399999,"end":2.98},{"sentences":[{"text":"Good afternoon, Jonathan.","start":4.0,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2662256360054016},{"text":"It's Tommy here from.","start":5.2799997,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.2633405067026615},{"text":"How are you doing?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.3047010526061058}],"sentiment":"neutral","sentiment_score":0.2791675586592067,"channel":0,"num_words":11,"start":4.0,"end":7.22},{"sentences":[{"text":"Am I doing well?","start":7.7599998,"end":8.559999,"sentiment":"neutral","sentiment_score":0.31205277889966965},{"text":"Yourself?","start":8.559999,"end":9.059999,"sentiment":"neutral","sentiment_score":0.25960177183151245}],"sentiment":"neutral","sentiment_score":0.3015625774860382,"channel":1,"num_words":5,"start":7.7599998,"end":9.059999},{"sentences":[{"text":"Living the dream.","start":9.92,"end":10.719999,"sentiment":"positive","sentiment_score":0.43636616071065265},{"text":"So it's a beautiful day on the Gold Coast, and the dog his dog in the boss has brought his dog in, to be honest.","start":10.719999,"end":17.005,"sentiment":"positive","sentiment_score":0.41700811207294464}],"sentiment":"positive","sentiment_score":0.4190821887126991,"channel":0,"num_words":28,"start":9.92,"end":17.005},{"sentences":[{"text":"Not good on it.","start":17.635,"end":18.695,"sentiment":"negative","sentiment_score":-0.49227774888277054}],"sentiment":"negative","sentiment_score":-0.49227774888277054,"channel":1,"num_words":4,"start":17.635,"end":18.695},{"sentences":[{"text":"Mate, I've just got you here for an annual review.","start":19.064999,"end":21.404999,"sentiment":"neutral","sentiment_score":0.020251167006790638},{"text":"I'm just getting through a quick security check with you and send through a pack to you.","start":21.865,"end":27.164999,"sentiment":"neutral","sentiment_score":0.0438964583856218},{"text":"Can I please confirm your date of birth and address?","start":27.785,"end":30.33,"sentiment":"neutral","sentiment_score":0.017428311798721553}],"sentiment":"neutral","sentiment_score":0.03035228596245115,"channel":0,"num_words":37,"start":19.064999,"end":30.33},{"sentences":[{"text":"03/22/1989.","start":31.49,"end":33.67,"sentiment":"neutral","sentiment_score":0.00507816718891263},{"text":"50 Postal Garden, Alice Springs.","start":34.93,"end":37.03,"sentiment":"neutral","sentiment_score":0.009349446231499314}],"sentiment":"neutral","sentiment_score":0.0086375663910682,"channel":1,"num_words":6,"start":31.49,"end":37.03},{"sentences":[{"text":"Sensational.","start":39.29,"end":39.79,"sentiment":"neutral","sentiment_score":0.0654863640666008},{"text":"Thank you for that.","start":39.93,"end":40.489998,"sentiment":"positive","sentiment_score":0.423795185983181},{"text":"And I'm ready with our speaker's adviser 1273105.","start":40.489998,"end":44.025,"sentiment":"neutral","sentiment_score":0.21054702438414097},{"text":"Mate, I've got your email address listed here.","start":44.185,"end":46.845,"sentiment":"neutral","sentiment_score":0.03971125418320298},{"text":"File was the RPS consulting one.","start":47.225002,"end":49.465,"sentiment":"neutral","sentiment_score":0.034740506360928215}],"sentiment":"neutral","sentiment_score":0.1470806064705054,"channel":0,"num_words":27,"start":39.29,"end":49.465},{"sentences":[{"text":"Will you have a look onto that email with me today?","start":49.465,"end":51.645,"sentiment":"neutral","sentiment_score":0.038354088298299095}],"sentiment":"neutral","sentiment_score":0.038354088298299095,"channel":0,"num_words":11,"start":49.465,"end":51.645},{"sentences":[{"text":"I might have difficulty reviewing attachments on that one.","start":55.83,"end":60.89,"sentiment":"neutral","sentiment_score":-0.14664386378394234},{"text":"So could we please send it to my Gmail?","start":60.95,"end":63.61,"sentiment":"neutral","sentiment_score":-0.027056385866469808}],"sentiment":"neutral","sentiment_score":-0.08685012482520607,"channel":1,"num_words":18,"start":55.83,"end":63.61},{"sentences":[{"text":"Yeah.","start":65.04,"end":65.44,"sentiment":"neutral","sentiment_score":0.015539654530584812},{"text":"Absolutely.","start":65.44,"end":65.94,"sentiment":"neutral","sentiment_score":0.05899742990732193},{"text":"Let me just switch it around a little.","start":66.0,"end":68.505,"sentiment":"neutral","sentiment_score":0.05714998207986355},{"text":"And, basically, what I'll do today is gonna update a few details because we have a new system in overview.","start":69.384995,"end":74.204994,"sentiment":"neutral","sentiment_score":0.06109626218676567},{"text":"And I don't believe I've spoken with you before.","start":74.585,"end":77.145,"sentiment":"neutral","sentiment_score":-0.09977942084272702}],"sentiment":"neutral","sentiment_score":0.021939676851989366,"channel":0,"num_words":39,"start":65.04,"end":77.145},{"sentences":[{"text":"I'm the new senior adviser here.","start":77.145,"end":78.744995,"sentiment":"neutral","sentiment_score":0.026174270858367283},{"text":"So I'm basically just gonna recap your goals, go through some strategies with you.","start":78.744995,"end":84.06,"sentiment":"neutral","sentiment_score":0.0965700386358159},{"text":"And I do see some notes there that you wanted to talk about your investments.","start":84.200005,"end":87.16,"sentiment":"neutral","sentiment_score":0.06108558277289073},{"text":"I believe that's the main thing.","start":87.16,"end":88.86,"sentiment":"neutral","sentiment_score":0.03369941127796968},{"text":"Anything else?","start":89.4,"end":90.3,"sentiment":"neutral","sentiment_score":0.01264969538897276}],"sentiment":"neutral","sentiment_score":0.06169315735094769,"channel":0,"num_words":43,"start":77.145,"end":90.3},{"sentences":[{"text":"Alright.","start":89.96,"end":90.439995,"sentiment":"neutral","sentiment_score":0.036496542394161224},{"text":"You're pricing up a bit there.","start":90.439995,"end":91.479996,"sentiment":"neutral","sentiment_score":0.005888164974749088},{"text":"Could you say it again?","start":91.479996,"end":92.53999,"sentiment":"neutral","sentiment_score":0.011345624923706055}],"sentiment":"neutral","sentiment_score":0.010712804738432169,"channel":1,"num_words":12,"start":89.96,"end":92.53999},{"sentences":[{"text":"Yeah.","start":93.4,"end":93.8,"sentiment":"neutral","sentiment_score":0.021709468215703964},{"text":"So I've saw a note there that you talk about the investments for the 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I'm just gonna put that here.","start":108.255,"end":109.77,"sentiment":"neutral","sentiment_score":0.11664008774927684},{"text":"Just bear with me for two minutes, mate.","start":110.89,"end":112.909996,"sentiment":"neutral","sentiment_score":0.0870157522149384}],"sentiment":"neutral","sentiment_score":0.11299256958505687,"channel":0,"num_words":17,"start":106.735,"end":112.909996},{"sentences":[{"text":"Mhmm.","start":115.16,"end":115.66,"sentiment":"neutral","sentiment_score":0.04901406913995743}],"sentiment":"neutral","sentiment_score":0.04901406913995743,"channel":1,"num_words":1,"start":115.16,"end":115.66},{"sentences":[{"text":"Here.","start":122.17,"end":122.49,"sentiment":"neutral","sentiment_score":0.05537758767604828},{"text":"I've got Gmail address there as well.","start":122.49,"end":124.195,"sentiment":"neutral","sentiment_score":0.06220852051462446},{"text":"So that's the main one to send it through for 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so.","start":135.395,"end":142.13,"sentiment":"neutral","sentiment_score":0.017210088404161588},{"text":"Now perfect.","start":142.59001,"end":144.93001,"sentiment":"positive","sentiment_score":0.7312987446784973}],"sentiment":"neutral","sentiment_score":0.10209852094069505,"channel":0,"num_words":39,"start":128.355,"end":144.93001},{"sentences":[{"text":"So you can bring that one up.","start":145.23001,"end":146.93001,"sentiment":"positive","sentiment_score":0.4421002268791199},{"text":"There's a purple sign button.","start":146.99,"end":148.51001,"sentiment":"neutral","sentiment_score":0.2011178582906723},{"text":"It just brings open the documents per peruse together 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$3.20 what?","start":368.02,"end":370.65997,"sentiment":"neutral","sentiment_score":0.02697823489350932},{"text":"$3.23, $3.24.","start":370.65997,"end":372.52,"sentiment":"neutral","sentiment_score":0.015569324139505625}],"sentiment":"neutral","sentiment_score":0.02652174374088645,"channel":1,"num_words":10,"start":367.53998,"end":372.52},{"sentences":[{"text":"$333.24.","start":374.375,"end":376.295,"sentiment":"neutral","sentiment_score":0.024332532659173012},{"text":"Perfect.","start":376.295,"end":376.795,"sentiment":"neutral","sentiment_score":0.19532257318496704},{"text":"And last, assets and liabilities, we had cars there, but I did note the electric vehicle on the Novated lease and 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$2.","start":650.5,"end":655.635,"sentiment":"neutral","sentiment_score":0.3144666903159198},{"text":"I see here that because of the engineering side of things, you've got a really good occupation rating.","start":656.115,"end":661.41504,"sentiment":"positive","sentiment_score":0.43819595376650494},{"text":"Pretty much","start":661.955,"end":662.755,"sentiment":"positive","sentiment_score":0.44544100761413574}],"sentiment":"neutral","sentiment_score":0.30873601636491144,"channel":0,"num_words":52,"start":645.94,"end":662.755},{"sentences":[{"text":"Okay.","start":662.65497,"end":663.15497,"sentiment":"positive","sentiment_score":0.46916428208351135}],"sentiment":"positive","sentiment_score":0.46916428208351135,"channel":1,"num_words":1,"start":662.65497,"end":663.15497},{"sentences":[{"text":"one of the best occupate ratings you can get for pricing.","start":662.755,"end":666.375,"sentiment":"positive","sentiment_score":0.41057114980437537},{"text":"I think the only thing above would be like a lawyer.","start":666.435,"end":668.775,"sentiment":"neutral","sentiment_score":0.0772112977098335}],"sentiment":"neutral","sentiment_score":0.24389122375710445,"channel":0,"num_words":22,"start":662.755,"end":668.775},{"sentences":[{"text":"Yeah.","start":669.67,"end":669.99,"sentiment":"neutral","sentiment_score":0.08046820759773254},{"text":"Right.","start":669.99,"end":670.49,"sentiment":"neutral","sentiment_score":0.08151291310787201}],"sentiment":"neutral","sentiment_score":0.08099056035280228,"channel":1,"num_words":2,"start":669.67,"end":670.49},{"sentences":[{"text":"Now if","start":673.17,"end":673.89,"sentiment":"neutral","sentiment_score":0.05723414570093155}],"sentiment":"neutral","sentiment_score":0.05723414570093155,"channel":0,"num_words":2,"start":673.17,"end":673.89},{"sentences":[{"text":"Okay.","start":673.67,"end":674.17,"sentiment":"neutral","sentiment_score":0.04569496586918831}],"sentiment":"neutral","sentiment_score":0.04569496586918831,"channel":1,"num_words":1,"start":673.67,"end":674.17},{"sentences":[{"text":"at any point that kind of skyrockets in because since you've, you know, late thirties, not too bad now, but once you hit forward, it's step, then it will go up with your age.","start":673.89,"end":683.11,"sentiment":"neutral","sentiment_score":-0.0077884289408650465},{"text":"So what will tend to happen in your forties is it'll jump up $3.04, $5,000.","start":683.34503,"end":687.745,"sentiment":"neutral","sentiment_score":0.05376154730717341},{"text":"And then once you hit your late fees, it can go all the way up to 7,000, 10,000, 15,000.","start":687.745,"end":695.125,"sentiment":"neutral","sentiment_score":0.05850296585183395},{"text":"So the aim of the game is to kind of reduce the cover down as you pay off the mortgage because, essentially, you've got less things that you need to cover for, especially when there's years to cover, less liabilities.","start":695.52,"end":707.06006,"sentiment":"neutral","sentiment_score":0.15192048773169517},{"text":"So there's a bit of balancing act that we do to keep it trimmed down.","start":707.445,"end":710.985,"sentiment":"neutral","sentiment_score":0.05055477023124695}],"sentiment":"neutral","sentiment_score":0.06901068324828899,"channel":0,"num_words":123,"start":673.89,"end":710.985},{"sentences":[{"text":"And if we need to, we can shop around for other providers as well.","start":711.125,"end":714.585,"sentiment":"neutral","sentiment_score":0.08533169222729546}],"sentiment":"neutral","sentiment_score":0.08533169222729546,"channel":0,"num_words":14,"start":711.125,"end":714.585},{"sentences":[{"text":"Yeah.","start":715.435,"end":715.935,"sentiment":"neutral","sentiment_score":-0.015776507556438446}],"sentiment":"neutral","sentiment_score":-0.015776507556438446,"channel":1,"num_words":1,"start":715.435,"end":715.935},{"sentences":[{"text":"I guess the last question I've got just for insurance side of things is the point four mil for the life insurance.","start":717.605,"end":723.39996,"sentiment":"neutral","sentiment_score":0.005838292566212741},{"text":"That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income.","start":724.18,"end":733.87994,"sentiment":"neutral","sentiment_score":-0.0007003191168661471},{"text":"Do you feel like that income of the income protection is okay in that scenario?","start":736.255,"end":740.435,"sentiment":"neutral","sentiment_score":0.02183273434638977},{"text":"So if you were to pass away, home loan's paid off, they've got that lump sum there.","start":740.575,"end":745.375,"sentiment":"neutral","sentiment_score":-0.07663843364400022},{"text":"Does that sense like they'd be able to get back on their feet kind of thing?","start":745.375,"end":748.755,"sentiment":"neutral","sentiment_score":0.024698783177882433}],"sentiment":"neutral","sentiment_score":-0.0048520412948942675,"channel":0,"num_words":97,"start":717.605,"end":748.755},{"sentences":[{"text":"Yeah.","start":749.175,"end":749.495,"sentiment":"neutral","sentiment_score":0.14872953295707703},{"text":"Yeah.","start":749.495,"end":749.735,"sentiment":"neutral","sentiment_score":0.2268078327178955},{"text":"I think that would be good.","start":749.735,"end":750.955,"sentiment":"positive","sentiment_score":0.4435104678074519}],"sentiment":"positive","sentiment_score":0.3795750215649605,"channel":1,"num_words":8,"start":749.175,"end":750.955},{"sentences":[{"text":"K.","start":753.07,"end":753.57,"sentiment":"neutral","sentiment_score":0.12757982313632965},{"text":"So I'll keep that one as is for the time being.","start":753.71,"end":756.37,"sentiment":"neutral","sentiment_score":0.2278597964481874},{"text":"Now on the email that you there, there should be a next document budget to bring open for your hub 24 performance table.","start":756.51,"end":765.345,"sentiment":"neutral","sentiment_score":0.11699011338793713}],"sentiment":"neutral","sentiment_score":0.152137434056827,"channel":0,"num_words":35,"start":753.07,"end":765.345},{"sentences":[{"text":"Yep.","start":766.20996,"end":766.70996,"sentiment":"neutral","sentiment_score":0.04357469081878662}],"sentiment":"neutral","sentiment_score":0.04357469081878662,"channel":1,"num_words":1,"start":766.20996,"end":766.70996},{"sentences":[{"text":"Now it's a big blue one there.","start":767.40497,"end":768.765,"sentiment":"neutral","sentiment_score":-0.06599562162799495},{"text":"I know sometimes it can be a bit blurry on these type of programs.","start":768.765,"end":772.125,"sentiment":"neutral","sentiment_score":-0.12828726055366652},{"text":"Can you make out any of the the names and is all the writing clear enough to look at?","start":772.125,"end":776.545,"sentiment":"neutral","sentiment_score":-0.0519552044570446}],"sentiment":"neutral","sentiment_score":-0.08112849709577859,"channel":0,"num_words":40,"start":767.40497,"end":776.545},{"sentences":[{"text":"Okay.","start":818.69,"end":819.09,"sentiment":"neutral","sentiment_score":0.0008411798626184464},{"text":"I I can read it.","start":819.09,"end":819.89,"sentiment":"neutral","sentiment_score":0.005029618367552757},{"text":"Okay?","start":819.89,"end":820.39,"sentiment":"neutral","sentiment_score":0.041370343416929245}],"sentiment":"neutral","sentiment_score":0.009622802159615926,"channel":1,"num_words":7,"start":818.69,"end":820.39},{"sentences":[{"text":"Cool.","start":823.99506,"end":824.49506,"sentiment":"neutral","sentiment_score":0.17426583170890808},{"text":"I'll point out a couple of key points here that I've been looking at before the review as well.","start":825.43506,"end":830.49506,"sentiment":"neutral","sentiment_score":0.10676928962531843}],"sentiment":"neutral","sentiment_score":0.1101441167294979,"channel":0,"num_words":20,"start":823.99506,"end":830.49506},{"sentences":[{"text":"Yeah.","start":830.465,"end":830.965,"sentiment":"neutral","sentiment_score":0.07468350231647491}],"sentiment":"neutral","sentiment_score":0.07468350231647491,"channel":1,"num_words":1,"start":830.465,"end":830.965},{"sentences":[{"text":"For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio.","start":830.635,"end":847.02,"sentiment":"neutral","sentiment_score":0.06043035191084657},{"text":"So the majority of is in your growth assets like shares, property, and.","start":847.4,"end":851.645,"sentiment":"neutral","sentiment_score":0.0811309043604594},{"text":"You have very little in defensive assets to try and get those higher long term returns.","start":851.865,"end":856.265,"sentiment":"neutral","sentiment_score":0.015260765329003334},{"text":"Does that make sense?","start":856.265,"end":857.325,"sentiment":"neutral","sentiment_score":0.0473640002310276}],"sentiment":"neutral","sentiment_score":0.05368539710839589,"channel":0,"num_words":75,"start":830.635,"end":857.325},{"sentences":[{"text":"Yes.","start":857.965,"end":858.465,"sentiment":"neutral","sentiment_score":0.07020625472068787}],"sentiment":"neutral","sentiment_score":0.07020625472068787,"channel":1,"num_words":1,"start":857.965,"end":858.465},{"sentences":[{"text":"Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and","start":858.90497,"end":870.85,"sentiment":"neutral","sentiment_score":-0.006299867093361713}],"sentiment":"neutral","sentiment_score":-0.006299867093361713,"channel":0,"num_words":37,"start":858.90497,"end":870.85},{"sentences":[{"text":"Mhmm.","start":870.61,"end":871.11,"sentiment":"neutral","sentiment_score":0.009548279456794262}],"sentiment":"neutral","sentiment_score":0.009548279456794262,"channel":1,"num_words":1,"start":870.61,"end":871.11},{"sentences":[{"text":"it's cleared about five for the year.","start":871.15,"end":873.25,"sentiment":"neutral","sentiment_score":-0.0066312796303204125},{"text":"I do see here the account.","start":873.31,"end":875.085,"sentiment":"neutral","sentiment_score":0.14375053346157074},{"text":"Overall, your account's done on a balance standpoint just because the contributions have been fantastic.","start":875.48505,"end":881.505,"sentiment":"positive","sentiment_score":0.5548961877822876},{"text":"So you came on board.","start":881.645,"end":883.245,"sentiment":"positive","sentiment_score":0.5339006304740905},{"text":"You've gone from 50,000 to a 116.","start":883.245,"end":885.66504,"sentiment":"positive","sentiment_score":0.47739438499723164}],"sentiment":"positive","sentiment_score":0.37876977268606427,"channel":0,"num_words":40,"start":871.15,"end":885.66504},{"sentences":[{"text":"If you recall, you've had a bit of a dip in 2025 when markets went down.","start":886.36505,"end":890.91,"sentiment":"neutral","sentiment_score":-0.02842270947439829},{"text":"And then again, we had a dip at the start of this year where it went from, like, a 106 down to about 98, and then it back up again.","start":890.99,"end":899.41,"sentiment":"neutral","sentiment_score":-0.16365767667690914},{"text":"Now two sort of concern that I can see is the Benelong Australian shares option.","start":901.94995,"end":907.355,"sentiment":"neutral","sentiment_score":-0.20062938233216604},{"text":"Anything that you see on the right hand side for the percentage returns, if it's bracket, it means it's a negative, and anything that doesn't have a bracket is a positive","start":908.215,"end":916.2,"sentiment":"neutral","sentiment_score":-0.26519717131891557}],"sentiment":"neutral","sentiment_score":-0.1803809423670274,"channel":0,"num_words":92,"start":886.36505,"end":916.2},{"sentences":[{"text":"Yeah.","start":917.56,"end":917.95996,"sentiment":"neutral","sentiment_score":-0.2318900227546692},{"text":"Like, that one was underperforming last year as well.","start":917.95996,"end":920.86,"sentiment":"negative","sentiment_score":-0.4411470227771335},{"text":"And so now yeah.","start":920.92,"end":923.39996,"sentiment":"negative","sentiment_score":-0.3879132643342018},{"text":"I'm fucking up money for you.","start":923.39996,"end":925.01996,"sentiment":"negative","sentiment_score":-0.6836815575758616}],"sentiment":"negative","sentiment_score":-0.4927977815270424,"channel":1,"num_words":20,"start":917.56,"end":925.01996},{"sentences":[{"text":"return.","start":926.84,"end":927.32,"sentiment":"negative","sentiment_score":-0.33359676599502563},{"text":"And, basically, I've I've had a lot of exposure to all of the funds that you've currently got before I came to Oakview.","start":927.32,"end":933.005,"sentiment":"neutral","sentiment_score":-0.19942953793898874},{"text":"I've been doing this for about twelve years now, and Spenalong","start":933.005,"end":936.60504,"sentiment":"neutral","sentiment_score":-0.09739504280415448}],"sentiment":"neutral","sentiment_score":-0.17119490312678473,"channel":0,"num_words":35,"start":926.84,"end":936.60504},{"sentences":[{"text":"Mhmm.","start":936.295,"end":936.795,"sentiment":"neutral","sentiment_score":-0.08326022326946259}],"sentiment":"neutral","sentiment_score":-0.08326022326946259,"channel":1,"num_words":1,"start":936.295,"end":936.795},{"sentences":[{"text":"was kind of on a lot of people radar last year.","start":936.60504,"end":939.42505,"sentiment":"neutral","sentiment_score":-0.17022996734489093},{"text":"And, basically, when I came to Oakview had a pretty recently with the investment committee to look at alternatives for that option.","start":939.645,"end":947.83,"sentiment":"neutral","sentiment_score":-0.10595210709355095},{"text":"And I was probably coming into this meeting wanting to look at a replacement 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fantastic.","start":964.415,"end":965.15497,"sentiment":"positive","sentiment_score":0.638120025396347},{"text":"The international shares are doing really well.","start":966.175,"end":968.33496,"sentiment":"positive","sentiment_score":0.501291675227029},{"text":"They're tracking their areas very well, Pretty diversified in terms of health care, different sectors.","start":968.33496,"end":974.47,"sentiment":"neutral","sentiment_score":0.1796232966085275}],"sentiment":"neutral","sentiment_score":0.25677200923101945,"channel":0,"num_words":57,"start":954.45,"end":974.47},{"sentences":[{"text":"Cybersecurity is gonna be a bit of an issue going forward.","start":974.93,"end":977.67,"sentiment":"neutral","sentiment_score":-0.22552489286119287},{"text":"The other one I'd like to look at is the bank hybrids.","start":978.29,"end":981.17,"sentiment":"neutral","sentiment_score":-0.008168779003123442},{"text":"It's the section on the list.","start":981.17,"end":982.755,"sentiment":"neutral","sentiment_score":-0.006618507099725927},{"text":"The government is actually phasing that type of term deposit out over the next couple of years.","start":983.555,"end":988.775,"sentiment":"neutral","sentiment_score":-0.06230780000195784},{"text":"So I wanna just kind of take the opportunity to update that as well as underperforming option.","start":988.915,"end":994.355,"sentiment":"neutral","sentiment_score":-0.04702946456039653}],"sentiment":"neutral","sentiment_score":-0.07106736047093623,"channel":0,"num_words":63,"start":974.93,"end":994.355},{"sentences":[{"text":"Is that okay?","start":994.355,"end":995.175,"sentiment":"neutral","sentiment_score":-0.009341069186727205}],"sentiment":"neutral","sentiment_score":-0.009341069186727205,"channel":0,"num_words":3,"start":994.355,"end":995.175},{"sentences":[{"text":"Mhmm.","start":996.705,"end":996.945,"sentiment":"neutral","sentiment_score":0.01437266357243061},{"text":"Yes.","start":996.945,"end":997.445,"sentiment":"neutral","sentiment_score":0.07561572641134262},{"text":"So phasing out sounds good.","start":998.385,"end":999.745,"sentiment":"neutral","sentiment_score":0.16125636845827102},{"text":"What are we thinking of it?","start":999.745,"end":1001.125,"sentiment":"neutral","sentiment_score":0.059442462399601936}],"sentiment":"neutral","sentiment_score":0.09637884666713384,"channel":1,"num_words":13,"start":996.705,"end":1001.125},{"sentences":[{"text":"There's a couple of options in terms of style.","start":1002.08997,"end":1004.32996,"sentiment":"neutral","sentiment_score":0.02979489519364304},{"text":"So when it talks to, like, Hub as a plat it's got the most investments in the industry.","start":1004.32996,"end":1010.17,"sentiment":"neutral","sentiment_score":0.07480090525415209},{"text":"So we've got about 1,300 options there, plus everything listed on the stock exchange.","start":1010.17,"end":1015.485,"sentiment":"neutral","sentiment_score":0.06237347816516246},{"text":"So I can pretty much pick any option within any file to replace it with, but you've got two main sort of categories.","start":1016.02496,"end":1022.605,"sentiment":"neutral","sentiment_score":0.1967093193012735},{"text":"You've got your low fees of options that follow the market very closely, or you can continue in that kind of active space where you pay a bit higher investment fee to try and get a higher return in the market.","start":1022.825,"end":1035.47,"sentiment":"neutral","sentiment_score":0.2511978109435337}],"sentiment":"neutral","sentiment_score":0.16486879655470452,"channel":0,"num_words":105,"start":1002.08997,"end":1035.47},{"sentences":[{"text":"I guess the question I really wanna ask you, because I will make a recommendation, is between those two styles, which one do you lean more towards on a gut feeling?","start":1035.77,"end":1044.695,"sentiment":"neutral","sentiment_score":0.16073828142496846}],"sentiment":"neutral","sentiment_score":0.16073828142496846,"channel":0,"num_words":31,"start":1035.77,"end":1044.695},{"sentences":[{"text":"Yeah.","start":1045.645,"end":1046.145,"sentiment":"neutral","sentiment_score":0.08867250382900238},{"text":"Like, my general understanding is extra fee, APN to is the fee relative to the dollar value 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objective?","start":1066.8251,"end":1069.005,"sentiment":"neutral","sentiment_score":0.22195549971527523},{"text":"Which for this one would be outperforming the Australian market, which is not currently I do have options that are outperforming the Aussie market, but I also have straight up index ETFs, which would heavily reduce the investment fees and get it straight back on track with the Aussie market.","start":1069.2251,"end":1085.8401,"sentiment":"neutral","sentiment_score":0.3067059044539928}],"sentiment":"neutral","sentiment_score":0.2514632526212014,"channel":0,"num_words":78,"start":1059.9,"end":1085.8401},{"sentences":[{"text":"Yeah.","start":1086.615,"end":1086.9349,"sentiment":"neutral","sentiment_score":0.26087266206741333},{"text":"Like, I'm I'm generally for lower fees, but I think on the whole, we end up up performing 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iShares.","start":1096.225,"end":1103.845,"sentiment":"neutral","sentiment_score":0.2577509011911309},{"text":"They're pretty alongside the Vanguard.","start":1104.465,"end":1106.5651,"sentiment":"neutral","sentiment_score":0.31800004541873933},{"text":"So","start":1107.0,"end":1107.5,"sentiment":"neutral","sentiment_score":0.1408379226922989}],"sentiment":"neutral","sentiment_score":0.2641072026614485,"channel":0,"num_words":29,"start":1096.225,"end":1107.5},{"sentences":[{"text":"Mhmm.","start":1107.505,"end":1108.005,"sentiment":"neutral","sentiment_score":0.11344702541828156}],"sentiment":"neutral","sentiment_score":0.11344702541828156,"channel":1,"num_words":1,"start":1107.505,"end":1108.005},{"sentences":[{"text":"the kind of main two two fund managers that offer index ETFs.","start":1107.64,"end":1112.78,"sentiment":"neutral","sentiment_score":0.10098911200960477},{"text":"So I'm gonna have a bit of a a tweak 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do","start":1557.155,"end":1557.635,"sentiment":"neutral","sentiment_score":-0.005169356940314174}],"sentiment":"neutral","sentiment_score":-0.005169356940314174,"channel":1,"num_words":2,"start":1557.155,"end":1557.635},{"sentences":[{"text":"familiar","start":1557.3151,"end":1557.7151,"sentiment":"neutral","sentiment_score":-0.01990519091486931}],"sentiment":"neutral","sentiment_score":-0.01990519091486931,"channel":0,"num_words":1,"start":1557.3151,"end":1557.7151},{"sentences":[{"text":"that.","start":1557.635,"end":1558.135,"sentiment":"neutral","sentiment_score":-0.022716863080859184}],"sentiment":"neutral","sentiment_score":-0.022716863080859184,"channel":1,"num_words":1,"start":1557.635,"end":1558.135},{"sentences":[{"text":"with the old hub.","start":1557.7151,"end":1558.775,"sentiment":"neutral","sentiment_score":-0.023932435549795628},{"text":"I would suggest your website's a bit better than the app.","start":1559.0751,"end":1561.41,"sentiment":"neutral","sentiment_score":-0.04055681486021389}],"sentiment":"neutral","sentiment_score":-0.03612364704410235,"channel":0,"num_words":15,"start":1557.7151,"end":1561.41},{"sentences":[{"text":"Yeah.","start":1562.835,"end":1563.315,"sentiment":"neutral","sentiment_score":-0.03942488878965378},{"text":"I've only got my phone here with me right now.","start":1563.315,"end":1565.635,"sentiment":"neutral","sentiment_score":-0.08418224975466729},{"text":"I'm actually on holiday.","start":1565.635,"end":1566.775,"sentiment":"neutral","sentiment_score":-0.09817307442426682},{"text":"So, yeah, what's wrong with this for","start":1568.355,"end":1570.58,"sentiment":"neutral","sentiment_score":-0.0819908178278378}],"sentiment":"neutral","sentiment_score":-0.08399433676492084,"channel":1,"num_words":22,"start":1562.835,"end":1570.58},{"sentences":[{"text":"Now your","start":1572.53,"end":1573.5901,"sentiment":"neutral","sentiment_score":-0.039994774386286736}],"sentiment":"neutral","sentiment_score":-0.039994774386286736,"channel":0,"num_words":2,"start":1572.53,"end":1573.5901},{"sentences":[{"text":"today?","start":1573.44,"end":1573.94,"sentiment":"neutral","sentiment_score":-0.03800840303301811}],"sentiment":"neutral","sentiment_score":-0.03800840303301811,"channel":1,"num_words":1,"start":1573.44,"end":1573.94},{"sentences":[{"text":"exposure, 10 and a half percent.","start":1573.81,"end":1577.1749,"sentiment":"neutral","sentiment_score":-0.06150933044652144},{"text":"Usually, I think we look at around seven to 10 depending on the portfolio.","start":1577.1749,"end":1580.715,"sentiment":"neutral","sentiment_score":-0.019792736640998294},{"text":"There's a few model portfolios to use, and that's kind of a we never usually do more than 10% in an alternative satellite option.","start":1580.775,"end":1589.755,"sentiment":"neutral","sentiment_score":-0.016038365749409422},{"text":"So your main one is like your your American shares, your Australian shares, your S and P, your ASX.","start":1589.79,"end":1594.8501,"sentiment":"neutral","sentiment_score":0.025534252979253467},{"text":"The ones like Golden Cybersecurity, those satellites usually run between five to 10%.","start":1595.15,"end":1600.53,"sentiment":"neutral","sentiment_score":0.013524658834704986}],"sentiment":"neutral","sentiment_score":-0.004869785555025661,"channel":0,"num_words":76,"start":1573.81,"end":1600.53},{"sentences":[{"text":"Mhmm.","start":1601.49,"end":1601.99,"sentiment":"neutral","sentiment_score":0.018410345539450645},{"text":"Yep.","start":1603.73,"end":1604.23,"sentiment":"neutral","sentiment_score":0.01737145334482193}],"sentiment":"neutral","sentiment_score":0.017890899442136288,"channel":1,"num_words":2,"start":1601.49,"end":1604.23},{"sentences":[{"text":"And 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fine.","start":1608.2899,"end":1609.19,"sentiment":"neutral","sentiment_score":0.03487972915172577},{"text":"I I'm trying to think of what?","start":1611.6499,"end":1614.0751,"sentiment":"neutral","sentiment_score":-0.03377185549054827},{"text":"Sorry.","start":1614.0751,"end":1614.4751,"sentiment":"neutral","sentiment_score":-0.07342225313186646}],"sentiment":"neutral","sentiment_score":-0.014741940853687433,"channel":1,"num_words":13,"start":1607.8099,"end":1614.4751},{"sentences":[{"text":"Do you have any idea what my login ID would be?","start":1614.4751,"end":1616.9751,"sentiment":"neutral","sentiment_score":-0.05598806183446537},{"text":"Is it just my email address?","start":1617.035,"end":1618.635,"sentiment":"neutral","sentiment_score":-0.030895864591002464},{"text":"Or","start":1618.635,"end":1619.035,"sentiment":"neutral","sentiment_score":-0.01656115986406803}],"sentiment":"neutral","sentiment_score":-0.04543361264384455,"channel":1,"num_words":18,"start":1614.4751,"end":1619.035},{"sentences":[{"text":"Yeah.","start":1619.75,"end":1619.99,"sentiment":"neutral","sentiment_score":0.005935591645538807},{"text":"Email address usually works.","start":1619.99,"end":1621.51,"sentiment":"neutral","sentiment_score":0.007637150585651398},{"text":"I'm just gonna hop on to the account details because sometimes it'll me the actual sort of username on that.","start":1621.51,"end":1627.2899,"sentiment":"neutral","sentiment_score":-0.0025604629889130594}],"sentiment":"neutral","sentiment_score":-0.0005890026316046716,"channel":0,"num_words":25,"start":1619.75,"end":1627.2899},{"sentences":[{"text":"Mhmm.","start":1627.23,"end":1627.73,"sentiment":"neutral","sentiment_score":-0.01337268017232418}],"sentiment":"neutral","sentiment_score":-0.01337268017232418,"channel":1,"num_words":1,"start":1627.23,"end":1627.73},{"sentences":[{"text":"We've got login status active.","start":1629.03,"end":1631.5149,"sentiment":"neutral","sentiment_score":0.09732667654752732},{"text":"The email address does work, but you've got the login ID.","start":1632.855,"end":1635.6549,"sentiment":"neutral","sentiment_score":0.06907509470527823},{"text":"If you'd like to note it down, I've got it in front of me.","start":1635.6549,"end":1637.9149,"sentiment":"neutral","sentiment_score":0.06368449383548327}],"sentiment":"neutral","sentiment_score":0.07126807793974876,"channel":0,"num_words":30,"start":1629.03,"end":1637.9149},{"sentences":[{"text":"Yeah.","start":1638.11,"end":1638.35,"sentiment":"neutral","sentiment_score":0.07418346405029297},{"text":"Let's do 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it's linked to your mobile number ending in 030 for multifactor authentication Text message.","start":1654.4,"end":1661.255,"sentiment":"neutral","sentiment_score":0.10035497744878133}],"sentiment":"neutral","sentiment_score":0.10037774639204144,"channel":0,"num_words":16,"start":1654.0,"end":1661.255},{"sentences":[{"text":"Right.","start":1661.21,"end":1661.71,"sentiment":"neutral","sentiment_score":0.1940647214651108},{"text":"Yeah.","start":1662.49,"end":1662.73,"sentiment":"positive","sentiment_score":0.5013899207115173},{"text":"Wonderful.","start":1662.73,"end":1663.23,"sentiment":"positive","sentiment_score":0.77377849817276},{"text":"I guess I'll just have a start with my password in there.","start":1665.05,"end":1668.27,"sentiment":"neutral","sentiment_score":0.32971715678771335},{"text":"Okay.","start":1696.57,"end":1697.0499,"sentiment":"neutral","sentiment_score":0.0899682566523552}],"sentiment":"positive","sentiment_score":0.344737954903394,"channel":1,"num_words":16,"start":1661.21,"end":1697.0499},{"sentences":[{"text":"I thought I'd copy my my date.","start":1697.0499,"end":1699.23,"sentiment":"neutral","sentiment_score":0.057571333433900564},{"text":"137.","start":1700.1699,"end":1701.6951,"sentiment":"neutral","sentiment_score":0.013791589066386225},{"text":"What's the rest","start":1701.6951,"end":1702.675,"sentiment":"neutral","sentiment_score":0.015367077353099981}],"sentiment":"neutral","sentiment_score":0.04208110501481728,"channel":1,"num_words":11,"start":1697.0499,"end":1702.675},{"sentences":[{"text":"And then it's 2762.","start":1704.16,"end":1706.98,"sentiment":"neutral","sentiment_score":0.011602259241044521}],"sentiment":"neutral","sentiment_score":0.011602259241044521,"channel":0,"num_words":4,"start":1704.16,"end":1706.98},{"sentences":[{"text":"of it?","start":1708.415,"end":1709.165,"sentiment":"neutral","sentiment_score":0.0061605388764292},{"text":"Let me do the recapture twice.","start":1741.415,"end":1743.275,"sentiment":"neutral","sentiment_score":0.027543905191123486}],"sentiment":"neutral","sentiment_score":0.022198063612449914,"channel":1,"num_words":8,"start":1708.415,"end":1743.275},{"sentences":[{"text":"I know Hubs usually good for the the text message rather than the authenticator apps for that 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second?","start":1791.36,"end":1792.5,"sentiment":"neutral","sentiment_score":-0.01637900434434414}],"sentiment":"neutral","sentiment_score":0.01900660150266927,"channel":0,"num_words":29,"start":1785.36,"end":1792.5},{"sentences":[{"text":"Before we do retirement, could I just ask what's that right?","start":1797.6549,"end":1806.315,"sentiment":"neutral","sentiment_score":-0.01800663557580926},{"text":"13673762.","start":1807.255,"end":1815.12,"sentiment":"neutral","sentiment_score":0.0004485126701183617},{"text":"Alright, mate.","start":1815.12,"end":1815.92,"sentiment":"neutral","sentiment_score":0.017523383256047964},{"text":"I am still on hold.","start":1815.92,"end":1817.2001,"sentiment":"neutral","sentiment_score":-0.10432376861572265},{"text":"I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself.","start":1817.2001,"end":1830.345,"sentiment":"neutral","sentiment_score":-0.12686140922939076}],"sentiment":"neutral","sentiment_score":-0.09429215979301107,"channel":1,"num_words":53,"start":1797.6549,"end":1830.345},{"sentences":[{"text":"But, you know, there's a lot of uncertainty in the market generally.","start":1831.925,"end":1835.385,"sentiment":"neutral","sentiment_score":-0.251364021251599},{"text":"You know, fears of a crash from this, that, or the other thing.","start":1837.88,"end":1840.68,"sentiment":"neutral","sentiment_score":-0.30853594266451323},{"text":"So, yeah, what what is the medium to long term perspective on that?","start":1840.68,"end":1848.12,"sentiment":"neutral","sentiment_score":-0.0661528675028911},{"text":"Like, especially in terms of the AI","start":1848.12,"end":1849.575,"sentiment":"neutral","sentiment_score":-0.01970069110393524}],"sentiment":"neutral","sentiment_score":-0.17833839166495535,"channel":1,"num_words":45,"start":1831.925,"end":1849.575},{"sentences":[{"text":"Yeah.","start":1851.7899,"end":1852.19,"sentiment":"neutral","sentiment_score":-0.012064186856150627},{"text":"So you've just opened up five topics in my mind just then.","start":1852.19,"end":1855.255,"sentiment":"neutral","sentiment_score":0.04622163282086452},{"text":"I'll try and keep it succinct.","start":1855.255,"end":1857.1951,"sentiment":"neutral","sentiment_score":0.08916262661417325}],"sentiment":"neutral","sentiment_score":0.05671427193048753,"channel":0,"num_words":19,"start":1851.7899,"end":1857.1951},{"sentences":[{"text":"bubble.","start":1857.095,"end":1857.595,"sentiment":"neutral","sentiment_score":0.0559559240937233},{"text":"Yep.","start":1857.975,"end":1858.475,"sentiment":"neutral","sentiment_score":0.07495512813329697}],"sentiment":"neutral","sentiment_score":0.06545552611351013,"channel":1,"num_words":2,"start":1857.095,"end":1858.475},{"sentences":[{"text":"I'll take you through three main points to begin with.","start":1859.8151,"end":1862.2151,"sentiment":"neutral","sentiment_score":0.07397661693394184},{"text":"So the outlook for the rest of this year and","start":1862.2151,"end":1865.755,"sentiment":"neutral","sentiment_score":0.008548242971301079}],"sentiment":"neutral","sentiment_score":0.04126242995262146,"channel":0,"num_words":20,"start":1859.8151,"end":1865.755},{"sentences":[{"text":"Yeah.","start":1865.35,"end":1865.85,"sentiment":"neutral","sentiment_score":-0.0479925349354744}],"sentiment":"neutral","sentiment_score":-0.0479925349354744,"channel":1,"num_words":1,"start":1865.35,"end":1865.85},{"sentences":[{"text":"next year is just volatility, which basically just means the movements are sharper and quicker.","start":1866.055,"end":1871.96,"sentiment":"neutral","sentiment_score":-0.17509516477584838},{"text":"So every week, every month, the market's moving higher and lower at a higher percentage than it normally would in the usual seven year cycle where it just slowly creeps and then crashes.","start":1872.18,"end":1881.4,"sentiment":"neutral","sentiment_score":-0.22403015467253598}],"sentiment":"neutral","sentiment_score":-0.2087379703298211,"channel":0,"num_words":48,"start":1866.055,"end":1881.4},{"sentences":[{"text":"And what's the underlying reason for that?","start":1882.2649,"end":1884.365,"sentiment":"neutral","sentiment_score":-0.132594604577337},{"text":"Well, probably multiple, but major.","start":1885.1449,"end":1887.245,"sentiment":"neutral","sentiment_score":-0.02635834999382496}],"sentiment":"neutral","sentiment_score":-0.08832949850087364,"channel":1,"num_words":12,"start":1882.2649,"end":1887.245},{"sentences":[{"text":"Besides the wars, economic issues, inflation, property markets around the world, AI bubble, that kind of thing, that's five contributing","start":1887.805,"end":1896.91,"sentiment":"neutral","sentiment_score":-0.07050642562098801}],"sentiment":"neutral","sentiment_score":-0.07050642562098801,"channel":0,"num_words":20,"start":1887.805,"end":1896.91},{"sentences":[{"text":"Mhmm.","start":1898.4099,"end":1898.9099,"sentiment":"neutral","sentiment_score":0.009135210886597632}],"sentiment":"neutral","sentiment_score":0.009135210886597632,"channel":1,"num_words":1,"start":1898.4099,"end":1898.9099},{"sentences":[{"text":"Inside that as well, those indexes that you're looking at, the S and P 500 for Africa, the ASX 200 for Australia, those are the largest companies in that country.","start":1899.13,"end":1910.495,"sentiment":"neutral","sentiment_score":0.08359500281512737},{"text":"So as those changes happen, there's gonna be companies coming into that index because they've grown massively in size, and then other ones","start":1910.7151,"end":1919.1951,"sentiment":"neutral","sentiment_score":0.09784152310179628}],"sentiment":"neutral","sentiment_score":0.08977745501500256,"channel":0,"num_words":53,"start":1899.13,"end":1919.1951},{"sentences":[{"text":"Mhmm.","start":1918.875,"end":1919.375,"sentiment":"neutral","sentiment_score":0.02270623669028282}],"sentiment":"neutral","sentiment_score":0.02270623669028282,"channel":1,"num_words":1,"start":1918.875,"end":1919.375},{"sentences":[{"text":"popping out there.","start":1919.1951,"end":1920.415,"sentiment":"neutral","sentiment_score":0.04527089620629946},{"text":"And they're all different industries and different things like that.","start":1920.555,"end":1924.17,"sentiment":"neutral","sentiment_score":0.016193360649049283},{"text":"So from","start":1924.49,"end":1925.2101,"sentiment":"neutral","sentiment_score":-0.0015613771975040436}],"sentiment":"neutral","sentiment_score":0.019641569380958877,"channel":0,"num_words":15,"start":1919.1951,"end":1925.2101},{"sentences":[{"text":"Yes.","start":1925.0901,"end":1925.5901,"sentiment":"neutral","sentiment_score":-0.04865936189889908}],"sentiment":"neutral","sentiment_score":-0.04865936189889908,"channel":1,"num_words":1,"start":1925.0901,"end":1925.5901},{"sentences":[{"text":"the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form.","start":1925.2101,"end":1936.03,"sentiment":"neutral","sentiment_score":-0.25203154070509803},{"text":"Whereas Australia has been very stable for a long time of The biggest companies are pretty much the banks and the miners with a few other guys mixed in, Coles, Woolies, things like that.","start":1936.0901,"end":1946.115,"sentiment":"neutral","sentiment_score":0.012981060522553675}],"sentiment":"neutral","sentiment_score":-0.12331113439452435,"channel":0,"num_words":70,"start":1925.2101,"end":1946.115},{"sentences":[{"text":"Mhmm.","start":1946.985,"end":1947.485,"sentiment":"neutral","sentiment_score":0.038204438984394073}],"sentiment":"neutral","sentiment_score":0.038204438984394073,"channel":1,"num_words":1,"start":1946.985,"end":1947.485},{"sentences":[{"text":"So my first point is that volatility is gonna remain high.","start":1947.215,"end":1951.075,"sentiment":"neutral","sentiment_score":-0.0023765530098568324},{"text":"Generally speaking, I'm still expecting some pretty decent growth throughout the end of the year and next year.","start":1951.375,"end":1957.64,"sentiment":"positive","sentiment_score":0.3425506171252992},{"text":"The AI bubble, last time we went a bit of a a seminar to talk to fund managers, people are talking about anything from a four times boost in the the hyperscaler companies or up to 4,000 times, you know, if you think that SpaceX and the like will kind of get us to that type of scale of things.","start":1958.8201,"end":1982.1,"sentiment":"neutral","sentiment_score":0.024732165845731895},{"text":"So, basically, what's happening through most of the funds is people wanna make sure they've got enough exposure to those companies so they can capture the growth.","start":1982.16,"end":1991.14,"sentiment":"neutral","sentiment_score":0.07626126651410703},{"text":"That's things like a Nasdaq and tech stocks without piling all of your money and all of your super into one sector, where if 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year.","start":2001.715,"end":2008.02,"sentiment":"neutral","sentiment_score":-0.08845838553765241}],"sentiment":"neutral","sentiment_score":-0.08845838553765241,"channel":0,"num_words":17,"start":2001.715,"end":2008.02},{"sentences":[{"text":"Yeah.","start":2008.9249,"end":2009.19,"sentiment":"neutral","sentiment_score":0.08287956565618515},{"text":"Exactly.","start":2009.35,"end":2009.85,"sentiment":"neutral","sentiment_score":0.1354856938123703}],"sentiment":"neutral","sentiment_score":0.10918262973427773,"channel":1,"num_words":2,"start":2008.9249,"end":2009.85},{"sentences":[{"text":"So most of the moves that we're doing with these portfolios is just making sure we're assuring the sectors to get the growth side of things with avoiding the biggest risk, which is a full wipeout.","start":2010.5801,"end":2025.3049,"sentiment":"neutral","sentiment_score":0.23068956968684992}],"sentiment":"neutral","sentiment_score":0.23068956968684992,"channel":0,"num_words":36,"start":2010.5801,"end":2025.3049},{"sentences":[{"text":"Yes.","start":2026.605,"end":2027.105,"sentiment":"neutral","sentiment_score":0.08040017634630203}],"sentiment":"neutral","sentiment_score":0.08040017634630203,"channel":1,"num_words":1,"start":2026.605,"end":2027.105},{"sentences":[{"text":"The flip side, though, is because we're going like a passive approach with your portfolio, the aim of the game and and it may seem very strange, and you're probably gonna be like, tell me why the hell would you do this.","start":2027.845,"end":2039.62,"sentiment":"neutral","sentiment_score":-0.12843644308547178},{"text":"But, basically, you expect every seven years to be growth crash crash.","start":2039.76,"end":2044.34,"sentiment":"neutral","sentiment_score":-0.18188639854391417},{"text":"And with the index funds, we basically use them as buying opportunities.","start":2044.8,"end":2048.42,"sentiment":"neutral","sentiment_score":-0.018899270333349705},{"text":"So contributions keep going in.","start":2048.72,"end":2051.045,"sentiment":"neutral","sentiment_score":-0.011482590436935424},{"text":"Every time the market dips, we can buy into it to buy more shares of property, more companies, more buildings for a cheaper price and just repeat that growth and crash cycle until you close to retirement.","start":2051.045,"end":2063.59,"sentiment":"neutral","sentiment_score":-0.10603374615311623}],"sentiment":"neutral","sentiment_score":-0.10911500181450888,"channel":0,"num_words":108,"start":2027.845,"end":2063.59},{"sentences":[{"text":"That's, I guess, the conventional wisdom.","start":2063.6501,"end":2065.6702,"sentiment":"neutral","sentiment_score":-0.05114594971140226},{"text":"Now having reached all of the different, you know, GFC, hyperinflation scenarios, AI, all that kind of I still do believe that that approach works very, very well.","start":2067.09,"end":2077.925,"sentiment":"positive","sentiment_score":0.35037341926779064},{"text":"Like you said, low fees tend to just play out well long term.","start":2078.3052,"end":2082.0051,"sentiment":"positive","sentiment_score":0.36451841317690337},{"text":"And sticking to a market for years in growth assets, generally speaking, if you've diversified enough, property shares, you're gonna get the growth compared to sitting all your money in the bank.","start":2082.5452,"end":2095.53,"sentiment":"neutral","sentiment_score":0.25498545495793223},{"text":"And what I'm","start":2097.75,"end":2098.31,"sentiment":"neutral","sentiment_score":-0.013052346184849739}],"sentiment":"neutral","sentiment_score":0.27271581625157015,"channel":0,"num_words":82,"start":2063.6501,"end":2098.31},{"sentences":[{"text":"Yeah.","start":2098.26,"end":2098.76,"sentiment":"neutral","sentiment_score":-0.050972722470760345}],"sentiment":"neutral","sentiment_score":-0.050972722470760345,"channel":1,"num_words":1,"start":2098.26,"end":2098.76},{"sentences":[{"text":"basically saying is we're not trying to time the market because these things could happen over the span of two weeks, two months, or two years.","start":2098.31,"end":2105.845,"sentiment":"neutral","sentiment_score":-0.1490486254199193},{"text":"And","start":2106.305,"end":2106.805,"sentiment":"neutral","sentiment_score":-0.13325461745262146}],"sentiment":"neutral","sentiment_score":-0.14846366216187123,"channel":0,"num_words":27,"start":2098.31,"end":2106.805},{"sentences":[{"text":"Yeah.","start":2106.725,"end":2107.225,"sentiment":"neutral","sentiment_score":-0.2162032127380371}],"sentiment":"neutral","sentiment_score":-0.2162032127380371,"channel":1,"num_words":1,"start":2106.725,"end":2107.225},{"sentences":[{"text":"it was hard enough to time the market beforehand, but now it's basically impossible.","start":2107.265,"end":2112.885,"sentiment":"negative","sentiment_score":-0.3427950069308281}],"sentiment":"negative","sentiment_score":-0.3427950069308281,"channel":0,"num_words":14,"start":2107.265,"end":2112.885},{"sentences":[{"text":"Yeah.","start":2113.845,"end":2114.325,"sentiment":"neutral","sentiment_score":-0.08705554157495499},{"text":"Yeah.","start":2114.325,"end":2114.825,"sentiment":"neutral","sentiment_score":-0.08208239823579788}],"sentiment":"neutral","sentiment_score":-0.08456896990537643,"channel":1,"num_words":2,"start":2113.845,"end":2114.825},{"sentences":[{"text":"So we're basically playing long term averages.","start":2115.7449,"end":2117.825,"sentiment":"neutral","sentiment_score":-0.020687434123829007},{"text":"And then when we do our investment committee reviews and we meet with fund managers, we basically check to make sure and stress test the portfolios to make sure whatever economic cycle happens outside that we can still capture whatever's growing at the time.","start":2117.825,"end":2131.6902,"sentiment":"neutral","sentiment_score":0.0005393625999038869}],"sentiment":"neutral","sentiment_score":-0.002374119303353569,"channel":0,"num_words":51,"start":2115.7449,"end":2131.6902},{"sentences":[{"text":"Yes.","start":2132.76,"end":2133.26,"sentiment":"neutral","sentiment_score":0.025972304865717888}],"sentiment":"neutral","sentiment_score":0.025972304865717888,"channel":1,"num_words":1,"start":2132.76,"end":2133.26},{"sentences":[{"text":"Now I know I just went into, again, five different things, one, two, three, four, five, but does that kind of make sense?","start":2133.885,"end":2138.945,"sentiment":"neutral","sentiment_score":0.006562719688467358},{"text":"Volatility, long 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watch","start":2142.125,"end":2144.2852,"sentiment":"neutral","sentiment_score":0.13428819445627077}],"sentiment":"neutral","sentiment_score":0.13428819445627077,"channel":0,"num_words":7,"start":2142.125,"end":2144.2852},{"sentences":[{"text":"yeah.","start":2144.275,"end":2144.595,"sentiment":"neutral","sentiment_score":0.09654461592435835}],"sentiment":"neutral","sentiment_score":0.09654461592435835,"channel":1,"num_words":1,"start":2144.275,"end":2144.595},{"sentences":[{"text":"out for","start":2144.2852,"end":2144.605,"sentiment":"neutral","sentiment_score":0.09271466732025146}],"sentiment":"neutral","sentiment_score":0.09271466732025146,"channel":0,"num_words":2,"start":2144.2852,"end":2144.605},{"sentences":[{"text":"It","start":2144.595,"end":2145.095,"sentiment":"neutral","sentiment_score":0.07059340178966522}],"sentiment":"neutral","sentiment_score":0.07059340178966522,"channel":1,"num_words":1,"start":2144.595,"end":2145.095},{"sentences":[{"text":"the bubbles.","start":2144.605,"end":2145.185,"sentiment":"neutral","sentiment_score":0.1892847865819931}],"sentiment":"neutral","sentiment_score":0.1892847865819931,"channel":0,"num_words":2,"start":2144.605,"end":2145.185},{"sentences":[{"text":"it it certainly makes sense for Super just to do the the long term diversification strategy.","start":2145.155,"end":2150.7,"sentiment":"positive","sentiment_score":0.33909335266798735},{"text":"Like yeah.","start":2151.6401,"end":2152.2,"sentiment":"neutral","sentiment_score":0.17409134656190872},{"text":"I've got a commerce degree finance degree, but I never really pursued it that much.","start":2152.2,"end":2156.44,"sentiment":"neutral","sentiment_score":0.04005272885163625},{"text":"But, yeah, yeah, you're not really telling me anything new, and that's fine.","start":2156.44,"end":2160.46,"sentiment":"neutral","sentiment_score":0.042632521918186776},{"text":"It just makes sense.","start":2161.72,"end":2162.52,"sentiment":"positive","sentiment_score":0.4404037669301033}],"sentiment":"neutral","sentiment_score":0.17380610242486,"channel":1,"num_words":50,"start":2145.155,"end":2162.52},{"sentences":[{"text":"It's it's stable.","start":2162.52,"end":2163.98,"sentiment":"positive","sentiment_score":0.506046881278356},{"text":"So probably just one more thing before we move on.","start":2165.2048,"end":2167.865,"sentiment":"neutral","sentiment_score":0.16972922012209893},{"text":"I think I would","start":2168.2449,"end":2169.125,"sentiment":"neutral","sentiment_score":0.07362808100879192}],"sentiment":"neutral","sentiment_score":0.2064673628877191,"channel":1,"num_words":17,"start":2162.52,"end":2169.125},{"sentences":[{"text":"Yeah.","start":2168.875,"end":2169.375,"sentiment":"neutral","sentiment_score":0.10061290860176086}],"sentiment":"neutral","sentiment_score":0.10061290860176086,"channel":0,"num_words":1,"start":2168.875,"end":2169.375},{"sentences":[{"text":"be interested in getting more in gold itself.","start":2169.125,"end":2172.825,"sentiment":"neutral","sentiment_score":0.18927303235977888},{"text":"I can see that continuing to grow.","start":2172.8848,"end":2174.9849,"sentiment":"positive","sentiment_score":0.44829483117376057},{"text":"So I think anyway, from 50 to a 100% increase in current gold investment in my portfolio, I think I'd appreciate.","start":2176.565,"end":2189.01,"sentiment":"positive","sentiment_score":0.38108705338977633}],"sentiment":"positive","sentiment_score":0.3515298943966627,"channel":1,"num_words":36,"start":2169.125,"end":2189.01},{"sentences":[{"text":"Okay.","start":2189.9949,"end":2190.4949,"sentiment":"neutral","sentiment_score":0.17360062897205353},{"text":"I'll note that down, and I'll include it in the research.","start":2191.275,"end":2194.095,"sentiment":"neutral","sentiment_score":0.13476494767449118},{"text":"In.","start":2197.195,"end":2197.695,"sentiment":"neutral","sentiment_score":0.042006757110357285},{"text":"Done.","start":2201.035,"end":2201.435,"sentiment":"neutral","sentiment_score":0.0819733515381813},{"text":"So main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure.","start":2201.435,"end":2211.47,"sentiment":"neutral","sentiment_score":0.07840424919357666}],"sentiment":"neutral","sentiment_score":0.09546264102682471,"channel":0,"num_words":40,"start":2189.9949,"end":2211.47},{"sentences":[{"text":"And generally speaking, I do have to ask, are you still okay with the the high growth","start":2212.49,"end":2217.47,"sentiment":"neutral","sentiment_score":0.05103176130967982}],"sentiment":"neutral","sentiment_score":0.05103176130967982,"channel":0,"num_words":17,"start":2212.49,"end":2217.47},{"sentences":[{"text":"Yeah.","start":2219.535,"end":2219.855,"sentiment":"neutral","sentiment_score":0.035234760493040085},{"text":"Like, I was I think you said some sitting around 7.4% risk profile.","start":2219.855,"end":2224.415,"sentiment":"neutral","sentiment_score":-0.021681373509076927},{"text":"Is that was that the number?","start":2224.415,"end":2225.795,"sentiment":"neutral","sentiment_score":-0.019331331675251324}],"sentiment":"neutral","sentiment_score":-0.018130554258823393,"channel":1,"num_words":20,"start":2219.535,"end":2225.795},{"sentences":[{"text":"profile?","start":2226.935,"end":2227.435,"sentiment":"neutral","sentiment_score":-0.025699855759739876},{"text":"So when you're in high growth, you're 90% growth, that's or above.","start":2227.655,"end":2232.395,"sentiment":"neutral","sentiment_score":0.09332898166030645},{"text":"That's basically putting it all on the table, and the main risk reduction there is the diversification, the 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speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful.","start":2266.77,"end":2274.07,"sentiment":"neutral","sentiment_score":-0.23682668715715408},{"text":"There are those scenarios that have happened where both the fixed interest markets and bonds go run at the same time as the growth So like you were saying, everything's going up at the same time.","start":2275.605,"end":2287.14,"sentiment":"neutral","sentiment_score":-0.09973402538647254},{"text":"There is that possibility that they all go down at the same time, and then you see a balanced fund seventy thirty going down to the same degree as a full 100% growth portfolio as well.","start":2287.38,"end":2298.8198,"sentiment":"neutral","sentiment_score":-0.0038678698086490235},{"text":"So it doesn't mean that 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then they went from 0% all the way up to six, and it still hasn't exploded yet.","start":2334.9648,"end":2353.9102,"sentiment":"negative","sentiment_score":-0.39100130682899836},{"text":"So","start":2353.9102,"end":2354.4102,"sentiment":"neutral","sentiment_score":-0.052341677248477936}],"sentiment":"negative","sentiment_score":-0.3520325583588217,"channel":0,"num_words":97,"start":2322.36,"end":2354.4102},{"sentences":[{"text":"Yeah.","start":2354.59,"end":2355.09,"sentiment":"neutral","sentiment_score":-0.0018682554364204409},{"text":"Yeah.","start":2355.31,"end":2355.81,"sentiment":"neutral","sentiment_score":0.059153296053409576}],"sentiment":"neutral","sentiment_score":0.028642520308494568,"channel":1,"num_words":2,"start":2354.59,"end":2355.81},{"sentences":[{"text":"those things can happen.","start":2355.59,"end":2357.2048,"sentiment":"neutral","sentiment_score":0.09628325700759888},{"text":"I'd rather just for people super in general, like you said before, is you keep it as steady a ship as possible with the highest chance of hitting your goal as possible.","start":2357.425,"end":2365.365,"sentiment":"positive","sentiment_score":0.35211312398314476},{"text":"And if we were doing some personal investments over five, ten years, we can have a little bit more of a play around, a little bit more short term thinking.","start":2365.505,"end":2372.1702,"sentiment":"neutral","sentiment_score":0.10870035986105601},{"text":"But for this one, it's basically try and get the highest return to better everybody else in the same scenarios.","start":2372.1702,"end":2377.3901,"sentiment":"neutral","sentiment_score":0.16404081843793392},{"text":"And if the world changes, to kind of adapt with 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are good for the one offs, some are good for the regular, and some good for lower or higher balance as well.","start":2855.8801,"end":2861.945,"sentiment":"positive","sentiment_score":0.34202088832855226}],"sentiment":"neutral","sentiment_score":0.31061903287967046,"channel":0,"num_words":30,"start":2853.4001,"end":2861.945},{"sentences":[{"text":"Yes.","start":2862.7449,"end":2863.145,"sentiment":"neutral","sentiment_score":0.1892954260110855},{"text":"Yeah.","start":2863.145,"end":2863.545,"sentiment":"neutral","sentiment_score":0.2111704647541046},{"text":"Fair enough.","start":2863.545,"end":2864.285,"sentiment":"neutral","sentiment_score":0.2209569290280342},{"text":"Yeah.","start":2865.2249,"end":2865.4648,"sentiment":"neutral","sentiment_score":0.1733141541481018},{"text":"I know that's probably outside the curve of what we're doing here, but I know for you guys financial advice, so it'd be good to arrange a time to, I guess, talk about 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investment styles that might suit the personal goals.","start":2888.4949,"end":2893.555,"sentiment":"neutral","sentiment_score":0.30263083428144455},{"text":"What are you it for time frames?","start":2894.015,"end":2896.4348,"sentiment":"neutral","sentiment_score":0.1531742193869182},{"text":"You know, is it to supplement an earlier retirement?","start":2897.055,"end":2899.295,"sentiment":"neutral","sentiment_score":0.15836981352832583},{"text":"So or is it just grow some wealth in the background, or is it even investments for children, you know, child homes and things like that?","start":2899.295,"end":2905.77,"sentiment":"neutral","sentiment_score":0.19800801317279154},{"text":"So I'll get the portfolio fixed up first, and then we can kind of tee up a bit of a time to go through a bit more depth, if that's alright.","start":2905.77,"end":2914.075,"sentiment":"neutral","sentiment_score":0.2656802136090494}],"sentiment":"neutral","sentiment_score":0.232853215397074,"channel":0,"num_words":89,"start":2888.4949,"end":2914.075},{"sentences":[{"text":"Aside of that, the last thing I was gonna mention just before I go is just in terms of email addresses.","start":2918.775,"end":2924.4749,"sentiment":"neutral","sentiment_score":0.10211874438183648},{"text":"So your account is linked to RPS Consulting","start":2924.615,"end":2930.2102,"sentiment":"neutral","sentiment_score":0.1395641565322876}],"sentiment":"neutral","sentiment_score":0.11244851325092645,"channel":0,"num_words":29,"start":2918.775,"end":2930.2102},{"sentences":[{"text":"Mhmm.","start":2930.25,"end":2930.75,"sentiment":"neutral","sentiment_score":0.11056427657604218}],"sentiment":"neutral","sentiment_score":0.11056427657604218,"channel":1,"num_words":1,"start":2930.25,"end":2930.75},{"sentences":[{"text":"on 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like?","start":2961.55,"end":2962.29,"sentiment":"neutral","sentiment_score":-0.06255530814329784}],"sentiment":"neutral","sentiment_score":-0.06255530814329784,"channel":1,"num_words":3,"start":2961.55,"end":2962.29},{"sentences":[{"text":"yeah.","start":2962.57,"end":2962.97,"sentiment":"neutral","sentiment_score":-0.01842067390680313},{"text":"I wish I wish we have all that control on our system for when we reach out to you and so on.","start":2962.97,"end":2969.645,"sentiment":"neutral","sentiment_score":0.035432769832285965},{"text":"Hub 24 is just locked into one, so any documentation we","start":2970.1052,"end":2973.5452,"sentiment":"neutral","sentiment_score":-0.0060129346833987666}],"sentiment":"neutral","sentiment_score":0.02043994061429711,"channel":0,"num_words":34,"start":2962.57,"end":2973.5452},{"sentences":[{"text":"Yeah.","start":2973.395,"end":2973.895,"sentiment":"neutral","sentiment_score":0.01667635515332222}],"sentiment":"neutral","sentiment_score":0.01667635515332222,"channel":1,"num_words":1,"start":2973.395,"end":2973.895},{"sentences":[{"text":"send them has to be 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as","start":2979.395,"end":2984.595,"sentiment":"neutral","sentiment_score":-0.12351081613451242}],"sentiment":"neutral","sentiment_score":-0.007580799050629139,"channel":1,"num_words":22,"start":2977.635,"end":2984.595},{"sentences":[{"text":"Yep.","start":2984.58,"end":2985.08,"sentiment":"neutral","sentiment_score":0.03309343755245209}],"sentiment":"neutral","sentiment_score":0.03309343755245209,"channel":0,"num_words":1,"start":2984.58,"end":2985.08},{"sentences":[{"text":"is for now.","start":2984.595,"end":2985.415,"sentiment":"neutral","sentiment_score":0.010807683070500692}],"sentiment":"neutral","sentiment_score":0.010807683070500692,"channel":1,"num_words":3,"start":2984.595,"end":2985.415},{"sentences":[{"text":"Cool.","start":2985.94,"end":2986.34,"sentiment":"positive","sentiment_score":0.3941872715950012},{"text":"So what we'll do is just in terms of that review pack, I'll resend that through to RPS Consulting just so it matches up because we do require consent to remain advisers and so on, and they wouldn't accept DocuSign from the other email address.","start":2986.34,"end":3001.355,"sentiment":"neutral","sentiment_score":0.11561116634143723},{"text":"And then we'll get you booked in for the the updated plan, go through that one, and then we'll have that chat about the investments.","start":3001.735,"end":3010.8198,"sentiment":"neutral","sentiment_score":0.20738511860370637},{"text":"So just to kind of cap off those documents that you've got there, we have an","start":3011.2,"end":3018.16,"sentiment":"neutral","sentiment_score":0.1178213395178318}],"sentiment":"neutral","sentiment_score":0.1455914845326166,"channel":0,"num_words":87,"start":2985.94,"end":3018.16},{"sentences":[{"text":"Yep.","start":3018.03,"end":3018.53,"sentiment":"neutral","sentiment_score":0.14925548434257507}],"sentiment":"neutral","sentiment_score":0.14925548434257507,"channel":1,"num_words":1,"start":3018.03,"end":3018.53},{"sentences":[{"text":"updated service 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1.64%.","start":3046.2202,"end":3049.9202,"sentiment":"neutral","sentiment_score":0.16083272732794285}],"sentiment":"neutral","sentiment_score":0.16083272732794285,"channel":1,"num_words":8,"start":3046.2202,"end":3049.9202},{"sentences":[{"text":"yeah.","start":3050.895,"end":3051.395,"sentiment":"neutral","sentiment_score":0.09480110555887222}],"sentiment":"neutral","sentiment_score":0.09480110555887222,"channel":0,"num_words":1,"start":3050.895,"end":3051.395},{"sentences":[{"text":"Yeah.","start":3052.4602,"end":3052.7002,"sentiment":"neutral","sentiment_score":0.0761653482913971},{"text":"Okay.","start":3052.7002,"end":3053.2002,"sentiment":"neutral","sentiment_score":0.05761818587779999}],"sentiment":"neutral","sentiment_score":0.06689176708459854,"channel":1,"num_words":2,"start":3052.4602,"end":3053.2002},{"sentences":[{"text":"The other last one is the there's a bit of a lost super there.","start":3055.7751,"end":3058.895,"sentiment":"neutral","sentiment_score":-0.1026896493775504},{"text":"I know it's probably a bit redundant, but we do for every client just do a one off ping to the government database to see if there's any other holding funds floating around","start":3058.895,"end":3067.82,"sentiment":"neutral","sentiment_score":0.031384783938075554}],"sentiment":"neutral","sentiment_score":-0.008552281304876855,"channel":0,"num_words":47,"start":3055.7751,"end":3067.82},{"sentences":[{"text":"Mhmm.","start":3067.92,"end":3068.42,"sentiment":"neutral","sentiment_score":0.05759470909833908}],"sentiment":"neutral","sentiment_score":0.05759470909833908,"channel":1,"num_words":1,"start":3067.92,"end":3068.42},{"sentences":[{"text":"under their name.","start":3068.2,"end":3069.16,"sentiment":"neutral","sentiment_score":0.06032035872340202},{"text":"So if you're comfortable with, we've even included that in the doc pack as 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point?","start":3079.04,"end":3083.195,"sentiment":"neutral","sentiment_score":0.03854993861168623}],"sentiment":"neutral","sentiment_score":0.05204413536315163,"channel":1,"num_words":27,"start":3074.88,"end":3083.195},{"sentences":[{"text":"I'm not signing anything, am I?","start":3083.195,"end":3085.135,"sentiment":"neutral","sentiment_score":-0.20671582967042923}],"sentiment":"neutral","sentiment_score":-0.20671582967042923,"channel":1,"num_words":6,"start":3083.195,"end":3085.135},{"sentences":[{"text":"Correct.","start":3086.325,"end":3086.825,"sentiment":"neutral","sentiment_score":-0.05069255083799362},{"text":"So that just brings open the documents.","start":3087.2048,"end":3089.365,"sentiment":"neutral","sentiment_score":-0.013423167169094086},{"text":"I'll actually caution you not to sign it Gmail address because we wouldn't even be able to submit the documents to Hub unless it's under RPS Consulting.","start":3089.365,"end":3097.02,"sentiment":"neutral","sentiment_score":-0.21733015334164654},{"text":"So I'll resend the pack through to that email address.","start":3097.4001,"end":3100.54,"sentiment":"neutral","sentiment_score":-0.05261553209275007},{"text":"The only two documents to sign if comfortable is the service statement and the lost super search.","start":3100.76,"end":3106.22,"sentiment":"neutral","sentiment_score":0.01174235124798382}],"sentiment":"neutral","sentiment_score":-0.10224361630577233,"channel":0,"num_words":62,"start":3086.325,"end":3106.22},{"sentences":[{"text":"And then when we have the updated advice plan, there'll be an authority on that before we can change investments.","start":3106.515,"end":3112.135,"sentiment":"neutral","sentiment_score":0.032057077437639234},{"text":"Cool.","start":3115.635,"end":3116.135,"sentiment":"positive","sentiment_score":0.4318819642066955},{"text":"Alrighty.","start":3116.755,"end":3117.255,"sentiment":"neutral","sentiment_score":0.31653183698654175},{"text":"Any questions for me before I let","start":3117.395,"end":3118.755,"sentiment":"neutral","sentiment_score":0.07846186629363469}],"sentiment":"neutral","sentiment_score":0.06685477289660223,"channel":0,"num_words":29,"start":3106.515,"end":3118.755},{"sentences":[{"text":"Easy.","start":3118.635,"end":3119.135,"sentiment":"neutral","sentiment_score":0.12138257920742036}],"sentiment":"neutral","sentiment_score":0.12138257920742036,"channel":1,"num_words":1,"start":3118.635,"end":3119.135},{"sentences":[{"text":"you","start":3118.755,"end":3119.04,"sentiment":"neutral","sentiment_score":0.03623402118682861}],"sentiment":"neutral","sentiment_score":0.03623402118682861,"channel":0,"num_words":1,"start":3118.755,"end":3119.04},{"sentences":[{"text":"I'm sorry.","start":3119.835,"end":3120.155,"sentiment":"neutral","sentiment_score":-0.044492012821137905},{"text":"I forgot your 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John.","start":3125.2,"end":3126.6602,"sentiment":"positive","sentiment_score":0.38902552127838136},{"text":"Mate, pleasure","start":3127.28,"end":3128.32,"sentiment":"positive","sentiment_score":0.6758921444416046}],"sentiment":"positive","sentiment_score":0.4709874136107309,"channel":0,"num_words":7,"start":3125.2,"end":3128.32},{"sentences":[{"text":"time.","start":3127.96,"end":3128.46,"sentiment":"positive","sentiment_score":0.6630851626396179}],"sentiment":"positive","sentiment_score":0.6630851626396179,"channel":1,"num_words":1,"start":3127.96,"end":3128.46},{"sentences":[{"text":"speaking with you, and thank you so much for taking an hour out of your holiday.","start":3128.32,"end":3131.745,"sentiment":"positive","sentiment_score":0.7248105891048908},{"text":"We will basically reach out in a couple","start":3132.145,"end":3134.0652,"sentiment":"positive","sentiment_score":0.37744253873825073}],"sentiment":"positive","sentiment_score":0.6090212389826775,"channel":0,"num_words":24,"start":3128.32,"end":3134.0652},{"sentences":[{"text":"Okay.","start":3133.863,"end":3134.363,"sentiment":"neutral","sentiment_score":0.18841642141342163}],"sentiment":"neutral","sentiment_score":0.18841642141342163,"channel":1,"num_words":1,"start":3133.863,"end":3134.363},{"sentences":[{"text":"of weeks' time, and I look showing you what we come up with for the portfolio.","start":3134.0652,"end":3138.0051,"sentiment":"positive","sentiment_score":0.35243004420772195}],"sentiment":"positive","sentiment_score":0.35243004420772195,"channel":0,"num_words":16,"start":3134.0652,"end":3138.0051},{"sentences":[{"text":"Thank you.","start":3139.783,"end":3140.523,"sentiment":"positive","sentiment_score":0.7451077997684479}],"sentiment":"positive","sentiment_score":0.7451077997684479,"channel":1,"num_words":2,"start":3139.783,"end":3140.523},{"sentences":[{"text":"Awesome.","start":3140.945,"end":3141.3452,"sentiment":"positive","sentiment_score":0.8038454055786133},{"text":"Have a great day.","start":3141.3452,"end":3142.0652,"sentiment":"positive","sentiment_score":0.7730585187673569},{"text":"Cheers.","start":3142.0652,"end":3142.5652,"sentiment":"neutral","sentiment_score":-0.09377053380012512}],"sentiment":"positive","sentiment_score":0.6337181578079859,"channel":0,"num_words":6,"start":3140.945,"end":3142.5652}]},"summary":{"result":"success","short":"The RPS adviser speaks with Jonathan about his investment goals and strategies, updating him on his retirement plans and investment plans. They discuss his retirement plans, investment strategy, and investment portfolio. The adviser emphasizes the importance of reducing risk and maintaining exposure to specific sectors, and provides guidance on updating options for free capital gains and offsetting gains with other options. They also discuss the potential for volatility in the market due to factors such as major changes and AI bubble companies. The speaker emphasizes the importance of updating email addresses and warns against signing documents until the updated plan is. They also mention a review pack and a service guide and offer advice on managing the process."},"intents":{"segments":[{"text":"Mate, I've just got you here for an annual review. I'm just getting through a quick security check with you and send through a pack to you. Can I please confirm your date of birth and address? 03/22/1989.","start_word":52,"end_word":89,"intents":[{"intent":"Provide security updates","confidence_score":0.000025400233}]},{"text":"We've got you here wanting to basically grow your super as much as possible. You had a bit of an insurance fix up there to begin with. Estate planning was put in place, but you had a priority for a couple of years to kind of your savings cash buffer, eventually pay down the home, do a bit of travel, and possibly purchase another home that you might convert into, like, an Airbnb. Does that sound okay? Yeah.","start_word":407,"end_word":484,"intents":[{"intent":"Discuss financial planning","confidence_score":0.005653154}]},{"text":"Anything in particular for you guys, say, one to three years that I need to factor into the advice? Like, we would be looking to have another child. I guess that's what goes into the interview. Yeah.","start_word":487,"end_word":523,"intents":[{"intent":"Consider future plans","confidence_score":0.028714783}]},{"text":"So in any updated projections or anything like that, I could base it on those contributions. And do you have any thought towards, you know sorry? I was just wanting to check-in terms of the contributions I can base the projections and advice on.","start_word":587,"end_word":630,"intents":[{"intent":"Check contributions","confidence_score":0.089872785}]},{"text":"So I've recently started having a an evaded late. I how much was Right.","start_word":671,"end_word":684,"intents":[{"intent":"Evade late","confidence_score":0.04655501}]},{"text":"And are you did you get a chance to get a benefit from some of the subsidies in terms of the the tax changes on that one?","start_word":690,"end_word":716,"intents":[{"intent":"Determine benefit from subsidies","confidence_score":0.0919936}]},{"text":"Last couple of details to update, and then I can dive in with you, is just in terms of savings. Do you tend to build up savings in an offset account or a savings account? Yeah. Offset account. Perfect. Do you have an approximate balance to note down just for the time being?","start_word":994,"end_word":1046,"intents":[{"intent":"Update funds","confidence_score":0.0013057808}]},{"text":"So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning. There was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you? Yeah.","start_word":1097,"end_word":1160,"intents":[{"intent":"Discuss investments","confidence_score":0.2546321},{"intent":"Discuss investment options","confidence_score":0.02797595}]},{"text":"So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning. There was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you? Yeah. Like, I am thinking that I might start going in, like, looking to a different customer investing plan.","start_word":1097,"end_word":1178,"intents":[{"intent":"Compare investments","confidence_score":0.00039316568}]},{"text":"So we've got eight seven one four. It's a 70%. It's protecting income of about a 150,000. It'll probably still get you just shy of 2,000 a week in hand off tax.","start_word":1456,"end_word":1487,"intents":[{"intent":"Educate about benefits","confidence_score":0.0008938554}]},{"text":"I guess the last question I've got just for insurance side of things is the point four mil for the life insurance. That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income. Do you feel like that income of the income protection is okay in that scenario?","start_word":1812,"end_word":1875,"intents":[{"intent":"Provide information about insurance coverage and income protection","confidence_score":0.00046595102}]},{"text":"For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio. So the majority of is in your growth assets like shares, property, and. You have very little in defensive assets to try and get those higher long term returns. Does that make sense?","start_word":2020,"end_word":2094,"intents":[{"intent":"Discuss investments","confidence_score":0.0022431917},{"intent":"Provide investment overview and portfolio review","confidence_score":1.1722524e-7}]},{"text":"Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and Mhmm. it's cleared about five for the year.","start_word":2096,"end_word":2140,"intents":[{"intent":"Discuss portfolio benchmarks and contributions","confidence_score":0.0007626973}]},{"text":"Overall, your account's done on a balance standpoint just because the contributions have been fantastic. So you came on board.","start_word":2147,"end_word":2166,"intents":[{"intent":"Express gratitude and appreciation","confidence_score":0.000012595014}]},{"text":"Now two sort of concern that I can see is the Benelong Australian shares option.","start_word":2220,"end_word":2234,"intents":[{"intent":"Review options","confidence_score":0.008274331}]},{"text":"One of the little tricks I'll do for this one is any type of funds that in a negative, we can use that to offset any gains for the other options if we wanna update a few options within the portfolio, and that'll reduce the impact heavily. So any capital gains I switch out will kind of mitigate the tax that Uber would pay under the hood. Yeah.","start_word":3253,"end_word":3320,"intents":[{"intent":"Upgrade portfolio options and mitigate tax impact","confidence_score":0.000009942162},{"intent":"Update investment options and investments","confidence_score":0.0001898353}]},{"text":"I don't have much concern for that one, but if it is something that you're like, look, I really don't want any single option to the negative like that, I can update that too. But, Yeah.","start_word":3606,"end_word":3641,"intents":[{"intent":"Address investment concerns","confidence_score":0.00079700956}]},{"text":"I don't think I've written probably on my phone, which Would you like me to your, like, login reset while I have a is on.","start_word":4065,"end_word":4089,"intents":[{"intent":"Reset login","confidence_score":0.038267765}]},{"text":"I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself. But, you know, there's a lot of uncertainty in the market generally. You know, fears of a crash from this, that, or the other thing.","start_word":4471,"end_word":4529,"intents":[{"intent":"Analyze market outlook","confidence_score":0.015242518}]},{"text":"the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form.","start_word":4743,"end_word":4778,"intents":[{"intent":"Analyze market dynamics","confidence_score":0.007957948}]},{"text":"it it certainly makes sense for Super just to do the the long term diversification strategy. Like yeah.","start_word":5341,"end_word":5358,"intents":[{"intent":"Analyze portfolio diversification strategy","confidence_score":0.14504418}]},{"text":"So main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure.","start_word":5459,"end_word":5484,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.025312413}]},{"text":"And generally speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful.","start_word":5618,"end_word":5642,"intents":[{"intent":"Discuss future changes","confidence_score":0.00008713589}]},{"text":"I've been basically waiting for certain things to, I guess, crash since 2012, keeping an eye on different, you know, property markets and bubbles and things like that.","start_word":5793,"end_word":5820,"intents":[{"intent":"Evaluate market cycles","confidence_score":0.00015818278}]},{"text":"Is it easier to kind of email through to print out, get a witness, or if I just post to you with a return envelope. What's easier?","start_word":6292,"end_word":6318,"intents":[{"intent":"Print document","confidence_score":0.123885974}]},{"text":"I think transfer you to post it because that return envelope just saves me some hassle. It'll keep it kind of front setter and quick to act, and then you don't have to Exactly.","start_word":6322,"end_word":6355,"intents":[{"intent":"Transfer call","confidence_score":0.0066481475}]},{"text":"I I just don't want it arriving before the weekend because, you know, I'm I'm you know what? It'd be okay if it arrives on Friday. I'm flying back on Saturday. That's okay.","start_word":6423,"end_word":6455,"intents":[{"intent":"Inform about saturday arrival","confidence_score":0.00069235946}]},{"text":"So in terms of nominee, I don't wanna make any assumptions, but would you like to nominate for the super and if required, the life insurance? that. Yes.","start_word":6496,"end_word":6523,"intents":[{"intent":"Confirm nomination process","confidence_score":0.0002439612},{"intent":"Confirm confirmation of insurance coverage","confidence_score":0.00033550453},{"intent":"Inquire about health insurance coverage","confidence_score":0.0009415006}]},{"text":"So both of them going to my wife, Sarah. Yep.","start_word":6524,"end_word":6533,"intents":[{"intent":"Confirm family members","confidence_score":0.022868661}]},{"text":"Are you okay if I jot down her date of birth to put on the form? Yep.","start_word":6539,"end_word":6555,"intents":[{"intent":"Provide personal information","confidence_score":0.005005549},{"intent":"Confirm contact details","confidence_score":0.00044357637}]},{"text":"Appreciate it. Got no.","start_word":6754,"end_word":6757,"intents":[{"intent":"Express gratitude","confidence_score":0.016139545}]},{"text":"So Hub has three menus, Discover, Core, and Choice. You're in the Choice menu that has all the extra investment options and features, and they do offer them personally as well. You basically have the same login.","start_word":7007,"end_word":7043,"intents":[{"intent":"Inform about product features","confidence_score":0.0018826444}]},{"text":"And the main thing is, are we doing a one off lump sum investment, or are we doing, like, an investment plan where we dollar cost average x amount per week or month?","start_word":7167,"end_word":7199,"intents":[{"intent":"Discuss investment plans","confidence_score":0.056775797}]}]},"sentiments":{"segments":[{"text":"Hello. Is this Jonathan? Good afternoon, Jonathan. It's Tommy here from. How are you doing? Am I doing well? Yourself?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.22846125066280365},{"text":"Living the dream. So it's a beautiful day on the Gold Coast, and the dog his dog in the boss has brought his dog in, to be honest.","start_word":20,"end_word":47,"sentiment":"positive","sentiment_score":0.4235945641994476},{"text":"Not good on it.","start_word":48,"end_word":51,"sentiment":"negative","sentiment_score":-0.4862227141857147},{"text":"Mate, I've just got you here for an annual review. I'm just getting through a quick security check with you and send through a pack to you. Can I please confirm your date of birth and address? 03/22/1989. 50 Postal Garden, Alice Springs. Sensational.","start_word":52,"end_word":95,"sentiment":"neutral","sentiment_score":0.02606290392577648},{"text":"Thank you for that.","start_word":96,"end_word":99,"sentiment":"positive","sentiment_score":0.424896240234375},{"text":"And I'm ready with our speaker's adviser 1273105. Mate, I've got your email address listed here. File was the RPS consulting one. Will you have a look onto that email with me today? I might have difficulty reviewing attachments on that one. So could we please send it to my Gmail? Yeah. Absolutely. Let me just switch it around a little. And, basically, what I'll do today is gonna update a few details because we have a new system in overview. And I don't believe I've spoken with you before. I'm the new senior adviser here. So I'm basically just gonna recap your goals, go through some strategies with you. And I do see some notes there that you wanted to talk about your investments. I believe that's the main thing. Anything else? Alright. You're pricing up a bit there. Could you say it again? Yeah. So I've saw a note there that you talk about the investments for the super. Just wondering if there's anything else in particular for this review. No. That should do it. Perfect. Alright. So I'm just gonna put that here. Just bear with me for two minutes, mate. Mhmm. Here. I've got Gmail address there as well. So that's the main one to send it through for today. Mhmm. Thanks, mate. Alright. That should pop through pretty quickly. If it is the first time using your system, it may go to your spam folder, but that usually does come through in about thirty seconds or so.","start_word":100,"end_word":351,"sentiment":"neutral","sentiment_score":0.04802308604121208},{"text":"Now perfect. So you can bring that one up.","start_word":352,"end_word":360,"sentiment":"positive","sentiment_score":0.5144046545028687},{"text":"There's a purple sign button. It just brings open the documents per peruse together today. Main Mhmm. thing I wanted to look at at this point is just in terms of changes in your circumstance and your So just let me know if this sounds correct. We've got you here wanting to basically grow your super as much as possible. You had a bit of an insurance fix up there to begin with. Estate planning was put in place, but you had a priority for a couple of years to kind of your savings cash buffer, eventually pay down the home, do a bit of travel, and possibly purchase another home that you might convert into, like, an Airbnb. Does that sound okay? Yeah. Sure. K. Anything in particular for you guys, say, one to three years that I need to factor into the advice? Like, we would be looking to have another child. I guess that's what goes into the interview. Yeah. I've just had my first myself. So you're currently married with Sarah, and you've got one child at the amazing. And we have you here as a project manager slash engineer for RPS. And I think we had you on about a 160,000. Has that changed much when you your tax return this year? No. That's that's my current salary. Yeah. Yep. Perfect. So in any updated projections or anything like that, I could base it on those contributions. And do you have any thought towards, you know sorry? I was just wanting to check-in terms of the contributions I can base the projections and advice on. I'll put in there the contributions you're putting in. What are you looking to do any Yep. kind of salary sacrifice or anything this year, or you've enough kind of cash flow priorities at the moment? I'm making good point. So I've recently started having a an evaded late. I how much was Right. it? $57 a v. Perfect. And are you did you get a chance to get a benefit from some of the subsidies in terms of the the tax changes on that one? I know you've got it in just the cutoff date. Would you have purchased that last or this No. I only got it. I would year? have purchased it just before end of financial year. Yeah. Oh, right.","start_word":361,"end_word":754,"sentiment":"neutral","sentiment_score":0.06127644167636251},{"text":"Perfect time for that.","start_word":755,"end_word":758,"sentiment":"positive","sentiment_score":0.5077933669090271},{"text":"I think they said the change is set for, I think, April, that they'll remove some of those benefits, So no timing Mhmm. Yeah. I didn't think that impacted what the models that we were looking at. there. Beautiful. I don't know Yes. if doing anything there. Yeah. Alrighty. Now I've got your hosted as well. I'll do a quick updated online valuation for your property value. But in terms of the mortgage there, I think we had about three owing at the time. What was that value, sir? I'm just doing a search for the value at Mhmm. the moment, but I was just wondering around the mortgage. We had it at 320,000. Property value online is coming up as around 480,000. Does that sound about right to you, or is that a bit low? Yeah. That's probably alright. Like, we'd hope to sell it to 500,000, but I wouldn't be surprised if it's it's a bit with the recent changes in pricing You know, like, Yeah. federal Absolutely. laws. $104.80 for the time being. Just keep it conservative. Yes. Is that alright? Yep. And the loan is, yeah, $3.20 what? $3.23, $3.24. $333.24. Perfect. And last, assets and liabilities, we had cars there, but I did note the electric vehicle on the Novated lease and just Mhmm. a credit card there. No other loans or assets, shares or crypto? Yeah. That's right. Perfect. Last couple of details to update, and then I can dive in with you, is just in terms of savings. Do you tend to build up savings in an offset account or a savings account? Yeah. Offset account. Perfect. Do you have an approximate balance to note down just for the time being? 34. Cool. Perfect. They have changed some anti money law laws at the moment, so we're just asking a couple extra questions here. In terms of insolvency, have you ever gone through any bankruptcy or part nine agreements No. and not a member of a tax jurisdiction? No.","start_word":759,"end_word":1094,"sentiment":"neutral","sentiment_score":0.012547432084656545},{"text":"Perfect. Awesome.","start_word":1095,"end_word":1096,"sentiment":"positive","sentiment_score":0.4941784143447876},{"text":"So I've got that email through to you now, and I want to kind of dive into the investments inside the and then I'll just touch on the in the state planning. There was a note there that you may consider investing down the line, like personal investing, or do you feel like it's more around the property side of things for you? Yeah. Like, I am thinking that I might start going in, like, looking to a different customer investing plan. Yeah. Yep. We can always have a discussion around investments inside the super and options that may be available for you personally as well. I do know that your your hub fund does offer, like, investment accounts. So you can have, for example, an investment account inside your super, you can invest in all the same kinds of managed funds and ETFs and things like that. Cool. If you have a look at that email there, the documents have popped up, and you can usually click the next commit button to cycle through them or just scroll through the documents with me. And the first I can see there is a summary of the superintendents. You should see your hub account and the Clearview policy. It's got a bit of an oak view letterhead on it. So hub is platform for the super and Clearview, the insurer that we're currently using. Correct. So life insurance, 1.4 mil if Right? you away. TPD is permanent disablement. So that's another lump sum. Again, clear the debts, replace the lost income. Income protection is your temporary disability. So if you're out of work for more than the thirty day waiting period, it'll kick in a monthly benefit for up to five years. I'm kind of taking a look here just at the the amount because it is percentage based. Thirty day waiting period, five year benefit. Now bear in mind, the monthly benefit, that is the gross. It's before tax. So what I basically do here is I just have a look at that monthly benefit. We look at when the policy was put in force, which was 2023. So we've got eight seven one four. It's a 70%. It's protecting income of about a 150,000. It'll probably still get you just shy of 2,000 a week in hand off tax. Do you think that would still kind of cover you guys, you know, to keep the mortgage paid and things like that, or does it seem low? Well, it should be well, been a long time. Is it just for temporary? Because I'm wondering if there are other reasons for the income protection. Yeah. So it counts and injury. So it's anything Mhmm. based outside of work because most of the times work would be covered by, like, work cover. Income protection can pop it up, but it's any Sure.","start_word":1097,"end_word":1576,"sentiment":"neutral","sentiment_score":0.07707580442074687},{"text":"illness or injuries that put you out of work for more than a month.","start_word":1577,"end_word":1590,"sentiment":"negative","sentiment_score":-0.40618759393692017},{"text":"Yeah. Okay. And I'm just looking at the premiums there. So $25.09 comes out of the super. You do get a 15% tax rebate for being paid super, so it drops it under $2.","start_word":1591,"end_word":1624,"sentiment":"neutral","sentiment_score":0.19588184356689453},{"text":"I see here that because of the engineering side of things, you've got a really good occupation rating. Pretty much Okay. one of the best occupate ratings you can get for pricing.","start_word":1625,"end_word":1656,"sentiment":"positive","sentiment_score":0.4313803315162658},{"text":"I think the only thing above would be like a lawyer. Yeah. Right. Now if Okay. at any point that kind of skyrockets in because since you've, you know, late thirties, not too bad now, but once you hit forward, it's step, then it will go up with your age. So what will tend to happen in your forties is it'll jump up $3.04, $5,000. And then once you hit your late fees, it can go all the way up to 7,000, 10,000, 15,000. So the aim of the game is to kind of reduce the cover down as you pay off the mortgage because, essentially, you've got less things that you need to cover for, especially when there's years to cover, less liabilities. So there's a bit of balancing act that we do to keep it trimmed down. And if we need to, we can shop around for other providers as well. Yeah. I guess the last question I've got just for insurance side of things is the point four mil for the life insurance. That will obviously cover the loan and leave well over a million dollars left over, and that will place less than ten years of your net income. Do you feel like that income of the income protection is okay in that scenario? So if you were to pass away, home loan's paid off, they've got that lump sum there. Does that sense like they'd be able to get back on their feet kind of thing? Yeah. Yeah.","start_word":1657,"end_word":1909,"sentiment":"neutral","sentiment_score":0.0411792677199549},{"text":"I think that would be good.","start_word":1910,"end_word":1915,"sentiment":"positive","sentiment_score":0.4433341324329376},{"text":"K. So I'll keep that one as is for the time being. Now on the email that you there, there should be a next document budget to bring open for your hub 24 performance table. Yep. Now it's a big blue one there. I know sometimes it can be a bit blurry on these type of programs. Can you make out any of the the names and is all the writing clear enough to look at? Okay. I I can read it. Okay? Cool. I'll point out a couple of key points here that I've been looking at before the review as well. Yeah. For all of the investments listed on the left hand side, the different codes and fund names, you split between, you know, international shares, gold, different sectors, different countries, different types of but you're pretty much in a a high growth portfolio. So the majority of is in your growth assets like shares, property, and. You have very little in defensive assets to try and get those higher long term returns. Does that make sense? Yes. Now when I kind of look at these types of portfolios, there's a bit of a benchmark that you need to be So 10% or above is kind of the benchmark for a high risk profile, and Mhmm. it's cleared about five for the year. I do see here the account.","start_word":1916,"end_word":2146,"sentiment":"neutral","sentiment_score":0.0406235046684742},{"text":"Overall, your account's done on a balance standpoint just because the contributions have been fantastic. So you came on board. You've gone from 50,000 to a 116.","start_word":2147,"end_word":2173,"sentiment":"positive","sentiment_score":0.5169480443000793},{"text":"If you recall, you've had a bit of a dip in 2025 when markets went down. And then again, we had a dip at the start of this year where it went from, like, a 106 down to about 98, and then it back up again. Now two sort of concern that I can see is the Benelong Australian shares option. Anything that you see on the right hand side for the percentage returns, if it's bracket, it means it's a negative, and anything that doesn't have a bracket is a positive Yeah.","start_word":2174,"end_word":2266,"sentiment":"neutral","sentiment_score":-0.18434280846067655},{"text":"Like, that one was underperforming last year as well. And so now yeah. I'm fucking up money for you. return.","start_word":2267,"end_word":2286,"sentiment":"negative","sentiment_score":-0.518781840801239},{"text":"And, basically, I've I've had a lot of exposure to all of the funds that you've currently got before I came to Oakview. I've been doing this for about twelve years now, and Spenalong Mhmm. was kind of on a lot of people radar last year. And, basically, when I came to Oakview had a pretty recently with the investment committee to look at alternatives for that option. And I was probably coming into this meeting wanting to look at a replacement part. Now Mhmm. across the rest of the portfolio, everything is looking pretty good in terms of behaving the way I would expect it to. So the gold being up 24%, that tracks the gold market.","start_word":2287,"end_word":2404,"sentiment":"neutral","sentiment_score":-0.04707891121506691},{"text":"That's fantastic. The international shares are doing really well.","start_word":2405,"end_word":2413,"sentiment":"positive","sentiment_score":0.5476228594779968},{"text":"They're tracking their areas very well, Pretty diversified in terms of health care, different sectors. Cybersecurity is gonna be a bit of an issue going forward. The other one I'd like to look at is the bank hybrids. It's the section on the list. The government is actually phasing that type of term deposit out over the next couple of years. So I wanna just kind of take the opportunity to update that as well as underperforming option. Is that okay? Mhmm. Yes. So phasing out sounds good. What are we thinking of it? There's a couple of options in terms of style. So when it talks to, like, Hub as a plat it's got the most investments in the industry. So we've got about 1,300 options there, plus everything listed on the stock exchange. So I can pretty much pick any option within any file to replace it with, but you've got two main sort of categories. You've got your low fees of options that follow the market very closely, or you can continue in that kind of active space where you pay a bit higher investment fee to try and get a higher return in the market. I guess the question I really wanna ask you, because I will make a recommendation, is between those two styles, which one do you lean more towards on a gut feeling? Yeah. Like, my general understanding is extra fee, APN to is the fee relative to the dollar value investment? Yeah. So the percentage based fee. Yeah. So when we look at each Yeah. option individually, we basically this is the investment fee. This is the returns. What's the returns net of fees? And is it performing in line with the objective? Which for this one would be outperforming the Australian market, which is not currently I do have options that are outperforming the Aussie market, but I also have straight up index ETFs, which would heavily reduce the investment fees and get it straight back on track with the Aussie market. Yeah.","start_word":2414,"end_word":2755,"sentiment":"neutral","sentiment_score":0.12545885846606994},{"text":"Like, I'm I'm generally for lower fees, but I think on the whole, we end up up performing better Easy done.","start_word":2756,"end_word":2776,"sentiment":"positive","sentiment_score":0.35935837030410767},{"text":"So overall. I'll look through actually, most of the providers you've got there are the low fee ETFs, the the beta shares, and the iShares. They're pretty alongside the Vanguard. So Mhmm. the kind of main two two fund managers that offer index ETFs. So I'm gonna have a bit of a a tweak there. Mhmm. Now overall, in terms of long term side of things, so I mentioned before, you need to hit that kind of 10% benchmark. This portfolio itself is still clearing but it does have a couple issues Alright, mate. that I think I'll just get there. oh, yeah. Sorry. Can you hear me now? Yeah. I can. So You just completely what I was saying just said was yes. in terms of the benchmark, the portfolio is still clearing at 13% per annum long term, but that doesn't mean that it doesn't have that issue that needs to be addressed right now. Well, yeah. So the past financial year, well well, August, August, I'm looking at a 5% growth. Is that what I'm reading there, roughly? Correct. So that's total It's portfolio pretty low. on the second page. Yeah. Yeah. Yeah. And with the high growth, so I was saying good years, you want to be getting ten, twenty, 30%. Yes. You're gonna have that back every seven where it does kind of 20%. Well, yeah. But But the market as a whole has been has been fighting. Like, that's the crazy thing. Bonds are up. Shares are up. Gold's up.","start_word":2777,"end_word":3032,"sentiment":"neutral","sentiment_score":0.07489251252263784},{"text":"Like, everything's going up right now.","start_word":3033,"end_word":3038,"sentiment":"positive","sentiment_score":0.3710953891277313},{"text":"So quite honestly, I'm a bit astounded that I've only got a 5% IRR here. Yeah. And when I compare it to kind of where you were before with the rest option, they definitely done a little bit better for the last twelve months. Mhmm. Three years wise, they're they're kind of still a bit low, 7%, 9% for their balance and growth options, which is below what you're aiming for. So, yeah. Just talking in terms of net returns after. Yeah. Yeah. Yeah. So I think the main thing is get it back on track to where it should be. The Benelon option in itself, I think what ended up happening there was that they made a few bad investments. And when those investments written down, there's a bit of a news article about it that we had a few people leave the fund recently. So that's why we've kind of flagged that.","start_word":3039,"end_word":3192,"sentiment":"neutral","sentiment_score":-0.07940685749053955},{"text":"I don't think it's one of those options where you just wait twelve months for it to come back now.","start_word":3193,"end_word":3212,"sentiment":"negative","sentiment_score":-0.3672603666782379},{"text":"It's gotten to a point that it has to be fixed, and that's Yeah.","start_word":3213,"end_word":3226,"sentiment":"neutral","sentiment_score":-0.32840433716773987},{"text":"the only reason why it's below that percent for this year.","start_word":3227,"end_word":3237,"sentiment":"negative","sentiment_score":-0.4064842462539673},{"text":"Yeah. Yeah. Well, yeah, Cool. we're looking at a what is that? 25% loss. Yeah. One of the little tricks I'll do for this one is any type of funds that in a negative, we can use that to offset any gains for the other options if we wanna update a few options within the portfolio, and that'll reduce the impact heavily. So any capital gains I switch out will kind of mitigate the tax that Uber would pay under the hood. Yeah. Okay. So I'll do that to At at just a time? make sure it's not oh, sorry. So, you know, if you had, like, a couple of investment fees and you sold one for a gain and one for a loss, they would offset each other in terms of paying capital gains tax. So it kind Sure. of gives me an opportunity to update some of the other options for essentially free Mhmm. to get the loss that was occurred with Benelon. Okay. And I update them now. What what do you mean by that? So in terms of the switch, so I'll look at for Benelon, the bank hybrids. There's probably a Yep. few other options we might look to mix in as well, whether that's Yep. electric vehicles, things that are pretty popular and looking good long term. I can kind of use that to sort of buy in for free to get those sectors. Okay. Sure. That Yeah. And so the sound fourth option down there, those India funds, they're also, you okay?","start_word":3238,"end_word":3496,"sentiment":"neutral","sentiment_score":0.1083312348020353},{"text":"know, performed pretty poorly.","start_word":3497,"end_word":3500,"sentiment":"negative","sentiment_score":-0.3541107177734375},{"text":"What are we thinking with that? So with India, that's an interesting one. So that's more of a a long term macroeconomic play. I know a lot of Mhmm. firms have been doing that the last two years because of the switch from, like, China to India for manufacturing. So when those countries get the manufacturing across and the GDP grows, that's when you expect to get the gains out of those companies. So it's one of those Okay. ones where it's kind of like a five to seven year, if not longer, investment, which is why there's only a portion in that one. I don't have much concern for that one, but if it is something that you're like, look, I really don't want any single option to the negative like that, I can update that too. But, Yeah. No. again, That's that sensible. was more like a five year thing. Yeah. Yeah. No. That that makes sense to me.","start_word":3501,"end_word":3661,"sentiment":"neutral","sentiment_score":-0.01128306989529118},{"text":"I can see India growing, so that's all good.","start_word":3662,"end_word":3670,"sentiment":"positive","sentiment_score":0.5311086177825928},{"text":"Is it like it's not an in-depth fund. What is an ETF, actually? Portfolio type that. No. That's totally fine. So when you're in the stock market or, you know, Comsec account, you buy some shares, an ETF is basically just a collection of shares where they just wrap a bubble around it. For example, Yep. But the who S just and died? P. Like, who packages that? Sorry? The fund manager packages it, and then it gets listed on the stock exchange, and then you purchase through whichever brokerage firm you use or whichever plat. Yeah. Sure. Sure. So it's not something that you guys yourselves are packaging. I hope you you'll you'll buy it off. Yeah. Off some brokerage, wherever they're located. Correct. Yeah. That's That's fine. one of the main reasons why you're in 24 platform besides the amount of options they is they do this thing called aggregated bidding as a feature. So if anyone is buying what you're selling or selling what you're buying, you can essentially trade the parcels and you won't get charged fees for it. Just a way to kind of reduce the broke the impact on your super.","start_word":3671,"end_word":3867,"sentiment":"neutral","sentiment_score":0.1091843694448471},{"text":"I've seen a couple of clients since I've come to Oakview that it's gone down about 80% brokerage fees, which is brilliant.","start_word":3868,"end_word":3889,"sentiment":"positive","sentiment_score":0.339963436126709},{"text":"But, basically, No. most of those there, once you purchase them, investment fee range for them is from about 0.04% to about 0.6, whereas the the is, like, above 1% for an investment fee. Yeah. Yeah. K? So I think that passive Yeah. But approach probably yeah. works for you. Yeah. India. Yeah.","start_word":3890,"end_word":3942,"sentiment":"neutral","sentiment_score":0.05300469323992729},{"text":"I'm happy to take it to India. That makes sense in the long term. Cool. Perfect. Alrighty.","start_word":3943,"end_word":3959,"sentiment":"positive","sentiment_score":0.515227710499483},{"text":"I'll have a look at that. Tweet it from here. What I'll do is put together the comparisons, the updated advice document, updated projections, and then I'll get you booked in to go through those with me, And then we can kind of see if you're comfortable before I make those changes. Yeah. So I guess one thing I'd like to tell you is, like, what what's the share I've got in gold at the moment Let me have a look. It's on the dashboard today? there. Do you usually log in to your at all on the phone or computer? I was just looking. I don't think I've written probably on my phone, which Would you like me to your, like, login reset while I have a is on. Let me just see how I like, what the app yeah. But there you go. I don't even download it. There you go. chance? I'll I'm I'll pretty I'll do familiar that. with the old hub. I would suggest your website's a bit better than the app. Yeah. I've only got my phone here with me right now. I'm actually on holiday. So, yeah, what's wrong with this for Now your today? exposure, 10 and a half percent. Usually, I think we look at around seven to 10 depending on the portfolio. There's a few model portfolios to use, and that's kind of a we never usually do more than 10% in an alternative satellite option. So your main one is like your your American shares, your Australian shares, your S and P, your ASX. The ones like Golden Cybersecurity, those satellites usually run between five to 10%. Mhmm. Yep. And you're K. sitting at 7.4. Yeah. No. That sounds fine. I I'm trying to think of what? Sorry. Do you have any idea what my login ID would be? Is it just my email address? Or Yeah. Email address usually works. I'm just gonna hop on to the account details because sometimes it'll me the actual sort of username on that. Mhmm. We've got login status active. The email address does work, but you've got the login ID. If you'd like to note it down, I've got it in front of me. Yeah. Let's do that. 13672762. Mhmm. And Okay. One it's 36727 yep. 62. Correct. And it's linked to your mobile number ending in 030 for multifactor authentication Text message. Right.","start_word":3960,"end_word":4362,"sentiment":"neutral","sentiment_score":0.025927685765045748},{"text":"Yeah. Wonderful.","start_word":4363,"end_word":4364,"sentiment":"positive","sentiment_score":0.6375842094421387},{"text":"I guess I'll just have a start with my password in there. Okay. I thought I'd copy my my date. 137. What's the rest And then it's 2762. of it? Let me do the recapture twice. I know Hubs usually good for the the text message rather than the authenticator apps for that one.","start_word":4365,"end_word":4418,"sentiment":"neutral","sentiment_score":0.11518588662147522},{"text":"Yeah. That's definitely better.","start_word":4419,"end_word":4422,"sentiment":"positive","sentiment_score":0.49297744035720825},{"text":"Jonathan, just while you're going through that login process, I was just gonna ask you a quick question around the retirement side of things. Do you have a second? Before we do retirement, could I just ask what's that right? 13673762. Alright, mate. I am still on hold. I'm with I've been wanting to ask so what are those views thinking in terms of, like, you know, every single market is going up at the moment, which is crazy enough by itself. But, you know, there's a lot of uncertainty in the market generally. You know, fears of a crash from this, that, or the other thing. So, yeah, what what is the medium to long term perspective on that? Like, especially in terms of the AI Yeah. So you've just opened up five topics in my mind just then. I'll try and keep it succinct. bubble. Yep. I'll take you through three main points to begin with. So the outlook for the rest of this year and Yeah. next year is just volatility, which basically just means the movements are sharper and quicker. So every week, every month, the market's moving higher and lower at a higher percentage than it normally would in the usual seven year cycle where it just slowly creeps and then crashes. And what's the underlying reason for that? Well, probably multiple, but major. Besides the wars, economic issues, inflation, property markets around the world, AI bubble, that kind of thing, that's five contributing Mhmm. Inside that as well, those indexes that you're looking at, the S and P 500 for Africa, the ASX 200 for Australia, those are the largest companies in that country. So as those changes happen, there's gonna be companies coming into that index because they've grown massively in size, and then other ones Mhmm. popping out there. And they're all different industries and different things like that. So from Yes. the sheer movement of companies in and out of an index can also create volatility because if one's soaring, you're automatically getting forced to buy and sell them and the is just changing in its form. Whereas Australia has been very stable for a long time of The biggest companies are pretty much the banks and the miners with a few other guys mixed in, Coles, Woolies, things like that. Mhmm. So my first point is that volatility is gonna remain high.","start_word":4423,"end_word":4824,"sentiment":"neutral","sentiment_score":-0.06204310626681171},{"text":"Generally speaking, I'm still expecting some pretty decent growth throughout the end of the year and next year.","start_word":4825,"end_word":4842,"sentiment":"positive","sentiment_score":0.33444276452064514},{"text":"The AI bubble, last time we went a bit of a a seminar to talk to fund managers, people are talking about anything from a four times boost in the the hyperscaler companies or up to 4,000 times, you know, if you think that SpaceX and the like will kind of get us to that type of scale of things. So, basically, what's happening through most of the funds is people wanna make sure they've got enough exposure to those companies so they can capture the growth. That's things like a Nasdaq and tech stocks without piling all of your money and all of your super into one sector, where if that Yeah. then bursts, it takes your entire fund down 80%, and you're sitting there with $20,000 next year. Yeah. Exactly. So most of the moves that we're doing with these portfolios is just making sure we're assuring the sectors to get the growth side of things with avoiding the biggest risk, which is a full wipeout. Yes. The flip side, though, is because we're going like a passive approach with your portfolio, the aim of the game and and it may seem very strange, and you're probably gonna be like, tell me why the hell would you do this. But, basically, you expect every seven years to be growth crash crash. And with the index funds, we basically use them as buying opportunities. So contributions keep going in. Every time the market dips, we can buy into it to buy more shares of property, more companies, more buildings for a cheaper price and just repeat that growth and crash cycle until you close to retirement. That's, I guess, the conventional wisdom. Now having reached all of the different, you know, GFC, hyperinflation scenarios, AI, all that kind of I still do believe that that approach works very, very well.","start_word":4843,"end_word":5153,"sentiment":"neutral","sentiment_score":0.03266774061049104},{"text":"Like you said, low fees tend to just play out well long term.","start_word":5154,"end_word":5166,"sentiment":"positive","sentiment_score":0.36199453473091125},{"text":"And sticking to a market for years in growth assets, generally speaking, if you've diversified enough, property shares, you're gonna get the growth compared to sitting all your money in the bank. And what I'm Yeah. basically saying is we're not trying to time the market because these things could happen over the span of two weeks, two months, or two years. And Yeah.","start_word":5167,"end_word":5230,"sentiment":"neutral","sentiment_score":0.0850275456905365},{"text":"it was hard enough to time the market beforehand, but now it's basically impossible.","start_word":5231,"end_word":5244,"sentiment":"negative","sentiment_score":-0.35709062218666077},{"text":"Yeah. Yeah. So we're basically playing long term averages. And then when we do our investment committee reviews and we meet with fund managers, we basically check to make sure and stress test the portfolios to make sure whatever economic cycle happens outside that we can still capture whatever's growing at the time. Yes. Now I know I just went into, again, five different things, one, two, three, four, five, but does that kind of make sense? Volatility, long term, Yeah. buy It's the dip with low fees, and watch yeah. out for It the bubbles. it it certainly makes sense for Super just to do the the long term diversification strategy. Like yeah. I've got a commerce degree finance degree, but I never really pursued it that much. But, yeah, yeah, you're not really telling me anything new, and that's fine.","start_word":5245,"end_word":5386,"sentiment":"neutral","sentiment_score":0.0634656473994255},{"text":"It just makes sense. It's it's stable.","start_word":5387,"end_word":5393,"sentiment":"positive","sentiment_score":0.4842286705970764},{"text":"So probably just one more thing before we move on. I think I would Yeah. be interested in getting more in gold itself.","start_word":5394,"end_word":5416,"sentiment":"neutral","sentiment_score":0.1566368192434311},{"text":"I can see that continuing to grow. So I think anyway, from 50 to a 100% increase in current gold investment in my portfolio, I think I'd appreciate.","start_word":5417,"end_word":5444,"sentiment":"positive","sentiment_score":0.4059159457683563},{"text":"Okay. I'll note that down, and I'll include it in the research. In. Done. So main plan, we'll diverse out of the, get you out of the bank hybrids while that gets phased out by the increase the gold exposure. And generally speaking, I do have to ask, are you still okay with the the high growth Yeah. Like, I was I think you said some sitting around 7.4% risk profile. Is that was that the number? profile? So when you're in high growth, you're 90% growth, that's or above. That's basically putting it all on the table, and the main risk reduction there is the diversification, the different Yep. Yeah. sectors, the different asset types, Yeah. For sure. not having turned upon defensive assets to offset the market Yeah. I know. Yeah. No. That makes sense. Thank you. Like, outside of in that increase in gold, which I think is traditionally more of crashing. A hedge. a a fantastic. Yeah. No. I'm quite happy to keep keep in that high growth. Yeah. And generally speaking, one of the things that might happen pretty soon too, which if you're in a balanced fund, would still be quite painful. There are those scenarios that have happened where both the fixed interest markets and bonds go run at the same time as the growth So like you were saying, everything's going up at the same time. There is that possibility that they all go down at the same time, and then you see a balanced fund seventy thirty going down to the same degree as a full 100% growth portfolio as well. So it doesn't mean that just Yeah. because we shade you down a risk profile that we're avoiding all risks. Yeah. No. I I think not only do we have a few economic bubbles, and I I can see that we've got well, I see that we've got a a market as a whole bubble of some description. So who knows how that'll play out? Maybe it's the world we live in now. Yeah. And big changes ahead. I've been basically waiting for certain things to, I guess, crash since 2012, keeping an eye on different, you know, property markets and bubbles and things like that.","start_word":5445,"end_word":5820,"sentiment":"neutral","sentiment_score":-0.03256614906267521},{"text":"And the painful part is even if you can see the huge risks and even if it's basically going to happen, when it's gonna happen is such a big question, whereas you think it's a you know, they increase interest rates in the property market, and then they went from 0% all the way up to six, and it still hasn't exploded yet.","start_word":5821,"end_word":5883,"sentiment":"negative","sentiment_score":-0.3912564516067505},{"text":"So Yeah. Yeah. those things can happen.","start_word":5884,"end_word":5890,"sentiment":"neutral","sentiment_score":0.06294157356023788},{"text":"I'd rather just for people super in general, like you said before, is you keep it as steady a ship as possible with the highest chance of hitting your goal as possible.","start_word":5891,"end_word":5922,"sentiment":"positive","sentiment_score":0.34135764837265015},{"text":"And if we were doing some personal investments over five, ten years, we can have a little bit more of a play around, a little bit more short term thinking. But for this one, it's basically try and get the highest return to better everybody else in the same scenarios. And if the world changes, to kind of adapt with it. Yeah. Yeah.","start_word":5923,"end_word":5985,"sentiment":"neutral","sentiment_score":0.11472492665052414},{"text":"That sounds good. Cool.","start_word":5986,"end_word":5989,"sentiment":"positive","sentiment_score":0.5656982064247131},{"text":"I'll basically get Michelle to book you in a couple of just to go through the updated portfolio, make happy with it before we change anything, and any tweaks and things like that. But, basically, I'm just gonna through a few models that we've got, see if there's Mhmm. a better fit, and then I'll take into account the specific requests as well in terms of the gold to get that bumped up as well without the portfolio. Cool. Any other considerations or anything that you can think of at the moment? No. Nothing right now. Cool.","start_word":5990,"end_word":6086,"sentiment":"neutral","sentiment_score":0.17066071927547455},{"text":"So basically, it picks up the portfolio, leave the insurances alone for the time being, let you go through all cash flow and debt goals as you see them. We'll touch base if that changes and, you know, if you expand your family and so on.","start_word":6087,"end_word":6132,"sentiment":"positive","sentiment_score":0.36016592383384705},{"text":"And the last thing is just in terms of estate planning. I had a note there that you did actually put a will in place. Right. Now when you put that in place, do you remember putting Yeah. in place a power of attorney? That's not my head. It's kinda Probably that not. one where you're in hospital, someone connect on your behalf, doctors, access bank accounts, things like that. No. I think I only did in terms of, like, the financials. Yeah. I think nothing in terms of Yep. Okay. And for the fisheries, I do actually see there's no fishery on the super, and I will that. have to just I yeah. I keep forgetting to process that. Fair enough. Yeah. It's yeah.","start_word":6133,"end_word":6257,"sentiment":"neutral","sentiment_score":0.003874334506690502},{"text":"Not good.","start_word":6258,"end_word":6259,"sentiment":"negative","sentiment_score":-0.5745762586593628},{"text":"I don't know if there's some way you can get that to me. I won't be able to action it this week on holiday, but maybe next week would be good Yeah. Is it easier to kind of email through to print out, get a witness, or if I just post to you with a return envelope. What's easier? for me.","start_word":6260,"end_word":6320,"sentiment":"neutral","sentiment_score":-0.02324671857059002},{"text":"Yeah. I think transfer you to post it because that return envelope just saves me some hassle. It'll keep it kind of front setter and quick to act, and then you don't have to Exactly.","start_word":6321,"end_word":6355,"sentiment":"positive","sentiment_score":0.3745214343070984},{"text":"worry about, That's oh, a look. period. I'll I'll print that out tonight and you forget. Yeah. Well yeah. Exactly. More so just having to get the envelope. Light.","start_word":6356,"end_word":6384,"sentiment":"neutral","sentiment_score":0.08426132053136826},{"text":"I don't I don't do much.","start_word":6385,"end_word":6390,"sentiment":"negative","sentiment_score":-0.3488902151584625},{"text":"Yeah. Anyway, yeah, if you send that through, that'd be good. What day is it today? Wednesday. So Yeah. the I'll only thing someone I'd ask to start. is Yeah. Yeah. I I just don't want it arriving before the weekend because, you know, I'm I'm you know what? It'd be okay if it arrives on Friday. I'm flying back on Saturday. That's okay. Yeah. Yeah. Let's just get that Cool. For the beneficiaries done. themselves, would it be helpful if I got someone to sort of prefill everything? So you just basically have to get it signed and Mhmm. Oh, yeah. Let's do Cool. So in terms of nominee, I don't wanna make any assumptions, but would you like to nominate for the super and if required, the life insurance? that. Yes. So both of them going to my wife, Sarah. Yep. We have Sarah. Same same. Are you okay if I jot down her date of birth to put on the form? Yep. Let me just be double insured. No. That's alright. I've got four family members in the family. 04/06/1990. Nineteen nineties of April. Sarah Hampshire. I might just have an oh, I don't wanna stretch it too much, mate, but middle name, if you if you know off the top of your head. Francis, f r a n c I s. F r a c I s. And the same, I'm assuming. First name. Same address for residential. Yes. Yep. And these are sometimes they can be silly questions, but you've got two options for the non type. You've got legally binding or not legally binding where the super fund has discretion. You've I think also got labeling whether properly. it lapses on them. Legally binding is usually the way to go. Yep. And Still no strange less. they offer that option and lapsing.","start_word":6391,"end_word":6698,"sentiment":"neutral","sentiment_score":0.014246363900359962},{"text":"Beautiful.","start_word":6699,"end_word":6699,"sentiment":"positive","sentiment_score":0.36636775732040405},{"text":"Yeah. 100% non lapsing binding. You're just gonna get it with by two people who aren't the beneficiary on Yes.","start_word":6700,"end_word":6719,"sentiment":"neutral","sentiment_score":0.17937076091766355},{"text":"the same date, and you should be sweet. Cool. So I do appreciate you taking the time on the holiday to dive into the weeds of eating super and economies with me.","start_word":6720,"end_word":6751,"sentiment":"positive","sentiment_score":0.4712018370628357},{"text":"Oh, good.","start_word":6752,"end_word":6753,"sentiment":"neutral","sentiment_score":0.3267529606819153},{"text":"Appreciate it.","start_word":6754,"end_word":6755,"sentiment":"positive","sentiment_score":0.3599822521209717},{"text":"Got no. I don't this at all.","start_word":6756,"end_word":6762,"sentiment":"neutral","sentiment_score":-0.0742764441030366},{"text":"This is what I love to do. So whenever I get someone who's actually interested enough to dive into me, I take that chance because most people in Australia just go sort it out for me, mate, and that's it.","start_word":6763,"end_word":6802,"sentiment":"positive","sentiment_score":0.4368421733379364},{"text":"Yeah. Yeah. Not not the engineering curiosity takes over. And But look, I'm not can I say without being offensive that generally speaking, every time I see engineer, I see some who plans things? And every time I look at the goals, you've got in-depth goals stepped out. One, two, three, four, five, short, medium, long term. And Yes. I generally expect to get into investment discussions, and they've kind of almost look looking for two calls, I guess I would Sure.","start_word":6803,"end_word":6884,"sentiment":"neutral","sentiment_score":0.07909254729747772},{"text":"Sure. That is good.","start_word":6885,"end_word":6888,"sentiment":"positive","sentiment_score":0.42806142568588257},{"text":"say. So quick recap. Beneficiaries, leave the insurance, update the portfolio, no salary sacrifice, but your goals updated there as well. And anything investment related, that will be in the future possibly. Any other area questions on your end? Like, a random question I've got is just regarding Hub twenty four. So, like, now that I've got it here, did you mention that Hub twenty four also does like, it's an option for oh, no. It's failing me. The personal investment, or is it only an access point for super? Personal investments that are identical platform. So, again, you're held in your personal name versus super, so the is the Yeah. different, but they're the exact same product. So Hub has three menus, Discover, Core, and Choice. You're in the Choice menu that has all the extra investment options and features, and they do offer them personally as well. You basically have the same login. I do that often. You've just gotta be careful in terms of because Hub's a wrap platform. They've got the most options. They've got the most features. They tend to be higher cost. So they're not really good for someone who's under a 100,000. Yeah. You can start off in the lower menus when you're at about 50. I have built a couple of portfolios for people to start off with 20. But anything at, like, 20 and below mark, you might in a different provider until you build it up. Yes. I guess that's a piece of advice I'd be looking for. Like, that's kind of the first step I need to take is the timing. Yeah. How how I would Yeah. And the main thing is, are we doing a one off lump sum investment, or are we doing, like, an investment plan where we dollar cost average x amount per week or month? That's a a big thing as well when choosing platforms. Yeah. Okay. Different fees or something taking part in that. Yeah. Entry fee, brokerage fees.","start_word":6889,"end_word":7224,"sentiment":"neutral","sentiment_score":0.08425498958898797},{"text":"Some of them are good for the one offs, some are good for the regular, and some good for lower or higher balance as well.","start_word":7225,"end_word":7249,"sentiment":"positive","sentiment_score":0.33952832221984863},{"text":"Yes. Yeah. Fair enough. Yeah. I know that's probably outside the curve of what we're doing here, but I know for you guys financial advice, so it'd be good to arrange a time to, I guess, talk about general Yep. And what we basically do is we go through an up good risk profile discussion just on the personal side of things strategy. in terms of what time frame you need to Yeah. invest Mhmm. in, and we'll go a bit for into investment styles that might suit the personal goals. What are you it for time frames? You know, is it to supplement an earlier retirement? So or is it just grow some wealth in the background, or is it even investments for children, you know, child homes and things like that? So I'll get the portfolio fixed up first, and then we can kind of tee up a bit of a time to go through a bit more depth, if that's alright. Aside of that, the last thing I was gonna mention just before I go is just in terms of email addresses. So your account is linked to RPS Consulting Mhmm. on Hub Mhmm. four. Now are you okay if that one to be, like, the main driving email address between Hub twenty four and your It's the inbox that I look at most frequently. So I want it Yep. to be my primary contact. Probably would be better like like, is there a different selection for you guys between the email that support my contact and the email that's associated with my account? Do you know what I mean? Like, logins I and the like? yeah. I wish I wish we have all that control on our system for when we reach out to you and so on. Hub 24 is just locked into one, so any documentation we Yeah. send them has to be signed Yeah. by that email address. Yeah. No. Look. That's fine as it is. I'm not planning on going anywhere anytime soon, so we'll we'll keep it as Yep. is for now.","start_word":7250,"end_word":7600,"sentiment":"neutral","sentiment_score":0.1211470148268758},{"text":"Cool.","start_word":7601,"end_word":7601,"sentiment":"positive","sentiment_score":0.3941872715950012},{"text":"So what we'll do is just in terms of that review pack, I'll resend that through to RPS Consulting just so it matches up because we do require consent to remain advisers and so on, and they wouldn't accept DocuSign from the other email address. And then we'll get you booked in for the the updated plan, go through that one, and then we'll have that chat about the investments. So just to kind of cap off those documents that you've got there, we have an Yep. updated service guide. So it won't you right now, but please bear in mind the consent form to remain a client review. We charge 1.65% spread through the year, and then you get a 15% rebate off of that. We are putting in place a tiered fee structure. So everybody above 200 down, the percentage will reduce, and then above 500,000, it'll reduce further as well. Sure. Cool. So There is the baseline site design, that's not that 1.64%. yeah. Yeah. Okay. The other last one is the there's a bit of a lost super there. I know it's probably a bit redundant, but we do for every client just do a one off ping to the government database to see if there's any other holding funds floating around Mhmm. under their name. So if you're comfortable with, we've even included that in the doc pack as well. Yeah. Sure. So that says Vanguard. Services. So what is it that I'm doing with the services just to be able to review it at this point? I'm not signing anything, am I? Correct. So that just brings open the documents. I'll actually caution you not to sign it Gmail address because we wouldn't even be able to submit the documents to Hub unless it's under RPS Consulting. So I'll resend the pack through to that email address. The only two documents to sign if comfortable is the service statement and the lost super search. And then when we have the updated advice plan, there'll be an authority on that before we can change investments.","start_word":7602,"end_word":7951,"sentiment":"neutral","sentiment_score":0.05127587237528392},{"text":"Cool.","start_word":7952,"end_word":7952,"sentiment":"positive","sentiment_score":0.4318819642066955},{"text":"Alrighty. Any questions for me before I let Easy. you I'm sorry. I forgot your name. Tell me. Okay.","start_word":7953,"end_word":7971,"sentiment":"neutral","sentiment_score":0.061050061136484146},{"text":"Awesome. Thanks a lot of No worries at all, John. Mate, pleasure time. speaking with you, and thank you so much for taking an hour out of your holiday. We will basically reach out in a couple Okay. of weeks' time, and I look showing you what we come up with for the portfolio. Thank you. Awesome. Have a great day. Cheers.","start_word":7972,"end_word":8033,"sentiment":"positive","sentiment_score":0.5489234328269958}],"average":{"sentiment":"neutral","sentiment_score":0.06035028767978034}}}}