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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Yep. Perfect. That's exactly it. And how's your day been so far? Been busy? Oh, well, that's Well, that's nice. Well, I will try not to keep you for too long. I essentially have you booked in because you wanted to talk about potentially reducing your risk exposure and getting a little bit more defensive. Is that right? Just over the next few months? Yep. Okay. Now with the the risk and stuff at the moment, so, obviously, we currently have you in a high growth portfolio. I guess your reasoning for wanting to decrease at the moment is is because you feel like you're getting closer to retirement and you wanna slowly start decreasing. No. Okay. Perfect. So with the different risk profiles and stuff that we do, we do there are a lot of different ones, and it's based on, obviously, a percentage of how much is in growth assets versus how much is in defensive assets. So, typically, in your your high growth portfolio, we see 90% in your growth investment, that would typically obviously be your international shares, your Australian shares, property, and commodities. And then you obviously have your defensive as well. So about 10% allocated to that. If we look at reducing it by one step down to a growth portfolio, so still wanting to kind of grow a little bit, but you want a bit more of a defensive approach, we're looking at your eighty twenty split. So 82 growth, 22 defensive. If we go even further down to a balance growth, that we call it, where it's like you still you want a little bit of the growth, but you also want a a a lot higher defensive proportion to your portfolio to limit fluctuations. We're looking typically at a seventy thirty split. Mhmm. So the 7030 or which one? Yeah. Okay. Okay. Perfect. Now, obviously, when we do the the the change in the portfolio, so I'll have a look at that for you. When we are making changes, it will mean that we would obviously sell some of your investments, and there will be capital gain tax on some of it. So, typically, we obviously do wanna make sure we have you in the best options possible, but it is more so typically for your long term investment for it to grow. Because if you sell frequently, then you have to pay a lot higher tax. If you've had it for more than twelve months, there is a reduction in the capital gains tax. Okay. Perfect. So you were quite happy to look at reducing it to the $70.30 30, and you are aware that, obviously, there will be some capital gains. I will calculate it all for you to obviously try to minimize it as much as we can and that you're comfortable with all that. Yep. Okay. I'll I'll do the research and stuff anyway, and then I'll put together a proposal on the seventy thirty split of, obviously, you're wanting to reduce that risk allocation. Yes. Definitely. So because, obviously, it is advised that it's tailored through you, I will go under research on the different investments and see if we wanna switch out also some of your growth ones depending on what they are doing, potentially swapping some of them out, and then also shift, obviously, more towards your defensive investment for you. And then I'll put everything together in a statement of advice. I'll run you through all of that. It is quite lengthy in compliance, but also to make sure that you fully understand everything, it will have the tax and the returns and everything like that in there. And then following that, you can then let me know if you are happy to go ahead with the change or if you want to make any alterations or anything like that. Yep. Does that make sense? Yep. Perfect. Now in order for me to to do all that research, I do need to just triple check if there's anything else that's changed with you. So with your income, I have it here at $3.50. Is that correct? Okay. Perfect. Let me see here. And you're happy, obviously, because, obviously, doing all the research on your super, you're happy to just focus on your super, you're happy with your insurances and everything like that? This is literally just the superannuation investments that you would like to focus on right now? Yes. K. Okay. Perfect. Now I'll go and do this research for you. It will take a couple of weeks to get everything together, but as soon as I do, I'll give you a call. Yep. Okay. Okay. $8,500. And you're still wanting to shift it from growth to defensive, or is it mainly that you feel like you're overexposed in that particular investment? Mhmm. Yes. You do. Okay. So you wanna shift some from from the growth into defensive and then also making sure as part of that, not having that high of an allocation through the iShares as the p 500. Yeah. Okay. Perfect. Now while we are obviously reviewing your superannuation, I do wanna let you know is that have you recently read our newsletter? No. So we've we've recently joined with BlackRock as well to create an SMA. Are you quite do you know what an SMA is? Are you quite familiar with that? No. So an SMA, it is a self managed account. So it works a little bit different. Still over the investment within superannuation, but it works a little bit different to how your current investment are structured. So at the moment, we have you in what we would call your model portfolio where you log in through Hub twenty four. You can see each and every single one of your investments. And if we want to go and make a change through one of those investments, if that's one that's underperforming or, you know, we wanna make a change, we'll go and do the research. We'll put everything together in a strategy paper for you, present the change, and then you would have to obviously agree through the change. How the SMA works is a little bit different where it is that you invest in a particular portfolio. And then within the portfolio, it is a similar structure to how everything is set up, but you just invested in the portfolio itself. But what it kind of alleviates is that that if we do foresee that we wanna swap out an investment, we can just quickly do it in the back end. We'll let you know of the change, but it's not the same process of going through the research document and you approving everything before making the change. So it does make it a speedy process, but it does mean slightly less disability for you when it comes to your investment. Do you are you open to something like that if it's going to be good for you, or do you prefer to kind of have that full work? Okay. Would you like me to factor in that in the research or show you the the options or just keep the normal structure for now? Yep. Okay. No problem at all. Is there anything else, any other questions you have for me or any other requirements or anything you would like me to factor in when I do this research for you, Tim? No? That's it. Alright. Perfect. Well, I will let you go. Leave this with me. Like I said, it might take a couple of weeks. But as soon as I have it ready, we'll go through the change, and then you can let me know what you think. No problem at all. We'll speak soon. 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afternoon, Tim. This is Veronica from OQ Financial. How are you this afternoon? That's good. I had you booked in for a bit of a catch up.\n\nIs now still a good time for you? Yes. Sure. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes.\n\nPerfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Yep. Perfect.\n\nThat's exactly it. And how's your day been so far? Been busy? Oh, well, that's Well, that's nice. Well, I will try not to keep you for too long.\n\nI essentially have you booked in because you wanted to talk about potentially reducing your risk exposure and getting a little bit more defensive. Is that right? Just over the next few months? Yep. Okay.\n\nNow with the the risk and stuff at the moment, so, obviously, we currently have you in a high growth portfolio. I guess your reasoning for wanting to decrease at the moment is is because you feel like you're getting closer to retirement and you wanna slowly start decreasing. No. Okay. Perfect.\n\nSo with the different risk profiles and stuff that we do, we do there are a lot of different ones, and it's based on, obviously, a percentage of how much is in growth assets versus how much is in defensive assets. So, typically, in your your high growth portfolio, we see 90% in your growth investment, that would typically obviously be your international shares, your Australian shares, property, and commodities. And then you obviously have your defensive as well. So about 10% allocated to that. If we look at reducing it by one step down to a growth portfolio, so still wanting to kind of grow a little bit, but you want a bit more of a defensive approach, we're looking at your eighty twenty split.\n\nSo 82 growth, 22 defensive. If we go even further down to a balance growth, that we call it, where it's like you still you want a little bit of the growth, but you also want a a a lot higher defensive proportion to your portfolio to limit fluctuations. We're looking typically at a seventy thirty split. Mhmm. So the 7030 or which one?\n\nYeah. Okay. Okay. Perfect. Now, obviously, when we do the the the change in the portfolio, so I'll have a look at that for you.\n\nWhen we are making changes, it will mean that we would obviously sell some of your investments, and there will be capital gain tax on some of it. So, typically, we obviously do wanna make sure we have you in the best options possible, but it is more so typically for your long term investment for it to grow. Because if you sell frequently, then you have to pay a lot higher tax. If you've had it for more than twelve months, there is a reduction in the capital gains tax. Okay.\n\nPerfect. So you were quite happy to look at reducing it to the $70.30 30, and you are aware that, obviously, there will be some capital gains. I will calculate it all for you to obviously try to minimize it as much as we can and that you're comfortable with all that. Yep. Okay.\n\nI'll I'll do the research and stuff anyway, and then I'll put together a proposal on the seventy thirty split of, obviously, you're wanting to reduce that risk allocation. Yes. Definitely. So because, obviously, it is advised that it's tailored through you, I will go under research on the different investments and see if we wanna switch out also some of your growth ones depending on what they are doing, potentially swapping some of them out, and then also shift, obviously, more towards your defensive investment for you. And then I'll put everything together in a statement of advice.\n\nI'll run you through all of that. It is quite lengthy in compliance, but also to make sure that you fully understand everything, it will have the tax and the returns and everything like that in there. And then following that, you can then let me know if you are happy to go ahead with the change or if you want to make any alterations or anything like that. Yep. Does that make sense?\n\nYep. Perfect. Now in order for me to to do all that research, I do need to just triple check if there's anything else that's changed with you. So with your income, I have it here at $3.50. Is that correct?\n\nOkay. Perfect. Let me see here. And you're happy, obviously, because, obviously, doing all the research on your super, you're happy to just focus on your super, you're happy with your insurances and everything like that? This is literally just the superannuation investments that you would like to focus on right now?\n\nYes. K. Okay. Perfect. Now I'll go and do this research for you.\n\nIt will take a couple of weeks to get everything together, but as soon as I do, I'll give you a call. Yep. Okay. Okay. $8,500.\n\nAnd you're still wanting to shift it from growth to defensive, or is it mainly that you feel like you're overexposed in that particular investment? Mhmm. Yes. You do. Okay.\n\nSo you wanna shift some from from the growth into defensive and then also making sure as part of that, not having that high of an allocation through the iShares as the p 500. Yeah. Okay. Perfect. Now while we are obviously reviewing your superannuation, I do wanna let you know is that have you recently read our newsletter?\n\nNo. So we've we've recently joined with BlackRock as well to create an SMA. Are you quite do you know what an SMA is? Are you quite familiar with that? No.\n\nSo an SMA, it is a self managed account. So it works a little bit different. Still over the investment within superannuation, but it works a little bit different to how your current investment are structured. So at the moment, we have you in what we would call your model portfolio where you log in through Hub twenty four. You can see each and every single one of your investments.\n\nAnd if we want to go and make a change through one of those investments, if that's one that's underperforming or, you know, we wanna make a change, we'll go and do the research. We'll put everything together in a strategy paper for you, present the change, and then you would have to obviously agree through the change. How the SMA works is a little bit different where it is that you invest in a particular portfolio. And then within the portfolio, it is a similar structure to how everything is set up, but you just invested in the portfolio itself. But what it kind of alleviates is that that if we do foresee that we wanna swap out an investment, we can just quickly do it in the back end.\n\nWe'll let you know of the change, but it's not the same process of going through the research document and you approving everything before making the change. So it does make it a speedy process, but it does mean slightly less disability for you when it comes to your investment. Do you are you open to something like that if it's going to be good for you, or do you prefer to kind of have that full work? Okay. Would you like me to factor in that in the research or show you the the options or just keep the normal structure for now?\n\nYep. Okay. No problem at all. Is there anything else, any other questions you have for me or any other requirements or anything you would like me to factor in when I do this research for you, Tim? No?\n\nThat's it. Alright. Perfect. Well, I will let you go. Leave this with me.\n\nLike I said, it might take a couple of weeks. But as soon as I have it ready, we'll go through the change, and then you can let me know what you think. No problem at all. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tim.","start":2.56,"end":3.52,"sentiment":"neutral","sentiment_score":0.20118236541748047},{"text":"This is Veronica from OQ Financial.","start":3.52,"end":5.54,"sentiment":"neutral","sentiment_score":0.13117548699180284},{"text":"How are you this afternoon?","start":5.6,"end":6.74,"sentiment":"neutral","sentiment_score":0.16260123550891875},{"text":"That's good.","start":8.639999,"end":9.54,"sentiment":"positive","sentiment_score":0.700494647026062},{"text":"I had you booked in for a bit of a catch up.","start":9.92,"end":12.24,"sentiment":"positive","sentiment_score":0.3483620708187421}],"sentiment":"neutral","sentiment_score":0.2780335835580315,"num_words":28,"start":2.56,"end":12.24},{"sentences":[{"text":"Is now still a good time for you?","start":12.24,"end":13.875,"sentiment":"neutral","sentiment_score":0.3044698089361191},{"text":"Yes.","start":15.795,"end":16.295,"sentiment":"neutral","sentiment_score":0.08227437734603882},{"text":"Sure.","start":18.595,"end":19.095,"sentiment":"neutral","sentiment_score":0.09592705965042114},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.795,"end":27.015,"sentiment":"neutral","sentiment_score":0.02337069433696311},{"text":"Yes.","start":29.1,"end":29.42,"sentiment":"neutral","sentiment_score":0.17307181656360626}],"sentiment":"neutral","sentiment_score":0.08661954652052373,"num_words":40,"start":12.24,"end":29.42},{"sentences":[{"text":"Perfect.","start":29.42,"end":29.92,"sentiment":"positive","sentiment_score":0.3893668055534363},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":29.98,"end":35.6,"sentiment":"neutral","sentiment_score":0.11117377728223801},{"text":"Do you know where that might be?","start":35.9,"end":37.52,"sentiment":"neutral","sentiment_score":0.040416602577481954},{"text":"Yep.","start":39.02,"end":39.42,"sentiment":"neutral","sentiment_score":0.11167152971029282},{"text":"Perfect.","start":39.42,"end":39.82,"sentiment":"positive","sentiment_score":0.38805556297302246}],"sentiment":"neutral","sentiment_score":0.11318285539746284,"num_words":30,"start":29.42,"end":39.82},{"sentences":[{"text":"That's exactly it.","start":39.82,"end":41.12,"sentiment":"positive","sentiment_score":0.36830628911654156},{"text":"And how's your day been so far?","start":41.225002,"end":42.745,"sentiment":"neutral","sentiment_score":0.11521308230502265},{"text":"Been busy?","start":42.745,"end":43.485,"sentiment":"neutral","sentiment_score":0.05161053128540516},{"text":"Oh, well, that's Well, that's nice.","start":47.705,"end":50.525,"sentiment":"neutral","sentiment_score":0.2640177408854167},{"text":"Well, I will try not to keep you for too long.","start":50.985,"end":53.885002,"sentiment":"neutral","sentiment_score":0.0007808641953901811}],"sentiment":"neutral","sentiment_score":0.12439060198335812,"num_words":29,"start":39.82,"end":53.885002},{"sentences":[{"text":"I essentially have you booked in because you wanted to talk about potentially reducing your risk exposure and getting a little bit more defensive.","start":54.185,"end":63.0,"sentiment":"neutral","sentiment_score":0.0631505196603636},{"text":"Is that right?","start":63.22,"end":64.2,"sentiment":"neutral","sentiment_score":0.07296094546715419},{"text":"Just over the next few months?","start":71.075005,"end":72.535,"sentiment":"neutral","sentiment_score":0.0099458748785158},{"text":"Yep.","start":79.155,"end":79.635,"sentiment":"neutral","sentiment_score":0.02478942833840847},{"text":"Okay.","start":79.635,"end":80.135,"sentiment":"neutral","sentiment_score":0.012376823462545872}],"sentiment":"neutral","sentiment_score":0.05232390883777823,"num_words":35,"start":54.185,"end":80.135},{"sentences":[{"text":"Now with the the risk and stuff at the moment, so, obviously, we currently have you in a high growth portfolio.","start":81.235,"end":88.59,"sentiment":"neutral","sentiment_score":-0.03435586525925568},{"text":"I guess your reasoning for wanting to decrease at the moment is is because you feel like you're getting closer to retirement and you wanna slowly start decreasing.","start":89.93,"end":97.869995,"sentiment":"neutral","sentiment_score":-0.11129938465143953},{"text":"No.","start":104.005,"end":104.505,"sentiment":"neutral","sentiment_score":-0.16690178215503693},{"text":"Okay.","start":116.259995,"end":116.759995,"sentiment":"neutral","sentiment_score":0.09772370755672456},{"text":"Perfect.","start":120.1,"end":120.6,"sentiment":"neutral","sentiment_score":0.1550699919462204}],"sentiment":"neutral","sentiment_score":-0.07215315429493785,"num_words":52,"start":81.235,"end":120.6},{"sentences":[{"text":"So with the different risk profiles and stuff that we do, we do there are a lot of different ones, and it's based on, obviously, a percentage of how much is in growth assets versus how much is in defensive assets.","start":120.899994,"end":133.895,"sentiment":"neutral","sentiment_score":0.02034800785888986},{"text":"So, typically, in your your high growth portfolio, we see 90% in your growth investment, that would typically obviously be your international shares, your Australian shares, property, and commodities.","start":134.355,"end":145.23,"sentiment":"neutral","sentiment_score":0.12067527169811315},{"text":"And then you obviously have your defensive as well.","start":146.17,"end":148.49,"sentiment":"neutral","sentiment_score":0.06902493867609236},{"text":"So about 10% allocated to that.","start":148.49,"end":150.83,"sentiment":"neutral","sentiment_score":0.06655423467357953},{"text":"If we look at reducing it by one step down to a growth portfolio, so still wanting to kind of grow a little bit, but you want a bit more of a defensive approach, we're looking at your eighty twenty split.","start":151.625,"end":163.72499,"sentiment":"neutral","sentiment_score":0.07452112163712339}],"sentiment":"neutral","sentiment_score":0.066744182894509,"num_words":126,"start":120.899994,"end":163.72499},{"sentences":[{"text":"So 82 growth, 22 defensive.","start":163.92,"end":166.09999,"sentiment":"neutral","sentiment_score":0.131979101896286},{"text":"If we go even further down to a balance growth, that we call it, where it's like you still you want a little bit of the growth, but you also want a a a lot higher defensive proportion to your portfolio to limit fluctuations.","start":166.72,"end":180.22499,"sentiment":"neutral","sentiment_score":0.12310121072964235},{"text":"We're looking typically at a seventy thirty split.","start":180.525,"end":183.58499,"sentiment":"neutral","sentiment_score":0.07450995687395334},{"text":"Mhmm.","start":196.62,"end":197.12,"sentiment":"neutral","sentiment_score":0.026484034955501556},{"text":"So the 7030 or which one?","start":197.18,"end":200.29999,"sentiment":"neutral","sentiment_score":0.03120498328159253}],"sentiment":"neutral","sentiment_score":0.10759597455034964,"num_words":64,"start":163.92,"end":200.29999},{"sentences":[{"text":"Yeah.","start":200.29999,"end":200.7,"sentiment":"neutral","sentiment_score":0.055028073489665985},{"text":"Okay.","start":200.7,"end":201.2,"sentiment":"neutral","sentiment_score":0.06174137443304062},{"text":"Okay.","start":202.125,"end":202.525,"sentiment":"neutral","sentiment_score":0.29307234287261963},{"text":"Perfect.","start":202.525,"end":203.025,"sentiment":"positive","sentiment_score":0.45241743326187134},{"text":"Now, obviously, when we do the the the change in the portfolio, so I'll have a look at that for you.","start":203.405,"end":210.865,"sentiment":"neutral","sentiment_score":0.04199957386368797}],"sentiment":"neutral","sentiment_score":0.06977001100778579,"num_words":25,"start":200.29999,"end":210.865},{"sentences":[{"text":"When we are making changes, it will mean that we would obviously sell some of your investments, and there will be capital gain tax on some of it.","start":212.205,"end":220.72,"sentiment":"neutral","sentiment_score":-0.07617392084960427},{"text":"So, typically, we obviously do wanna make sure we have you in the best options possible, but it is more so typically for your long term investment for it to grow.","start":220.86,"end":230.885,"sentiment":"neutral","sentiment_score":-0.012682822683165151},{"text":"Because if you sell frequently, then you have to pay a lot higher tax.","start":230.94499,"end":235.985,"sentiment":"neutral","sentiment_score":-0.24780176899262837},{"text":"If you've had it for more than twelve months, there is a reduction in the capital gains tax.","start":235.985,"end":239.925,"sentiment":"neutral","sentiment_score":-0.17205929114586777},{"text":"Okay.","start":240.385,"end":240.885,"sentiment":"positive","sentiment_score":0.5245749354362488}],"sentiment":"neutral","sentiment_score":-0.0931277647614479,"num_words":92,"start":212.205,"end":240.885},{"sentences":[{"text":"Perfect.","start":241.025,"end":241.425,"sentiment":"positive","sentiment_score":0.7902442216873169},{"text":"So you were quite happy to look at reducing it to the $70.30 30, and you are aware that, obviously, there will be some capital gains.","start":241.425,"end":248.08,"sentiment":"positive","sentiment_score":0.5161871451597947},{"text":"I will calculate it all for you to obviously try to minimize it as much as we can and that you're comfortable with all that.","start":248.08,"end":254.58,"sentiment":"positive","sentiment_score":0.43315416693687436},{"text":"Yep.","start":262.01498,"end":262.495,"sentiment":"neutral","sentiment_score":0.2042403668165207},{"text":"Okay.","start":262.495,"end":262.995,"sentiment":"neutral","sentiment_score":0.20277857780456543}],"sentiment":"positive","sentiment_score":0.471240428034906,"num_words":54,"start":241.025,"end":262.995},{"sentences":[{"text":"I'll I'll do the research and stuff anyway, and then I'll put together a proposal on the seventy thirty split of, obviously, you're wanting to reduce that risk allocation.","start":264.495,"end":273.64,"sentiment":"neutral","sentiment_score":0.11705684571944434},{"text":"Yes.","start":279.38,"end":279.78,"sentiment":"neutral","sentiment_score":0.3267838954925537},{"text":"Definitely.","start":279.78,"end":280.28,"sentiment":"positive","sentiment_score":0.40440523624420166},{"text":"So because, obviously, it is advised that it's tailored through you, I will go under research on the different investments and see if we wanna switch out also some of your growth ones depending on what they are doing, potentially swapping some of them out, and then also shift, obviously, more towards your defensive investment for you.","start":280.42,"end":300.84998,"sentiment":"neutral","sentiment_score":0.21893488027547536},{"text":"And then I'll put everything together in a statement of advice.","start":301.78998,"end":305.06998,"sentiment":"neutral","sentiment_score":0.19956489991058002}],"sentiment":"neutral","sentiment_score":0.18990242153857695,"num_words":99,"start":264.495,"end":305.06998},{"sentences":[{"text":"I'll run you through all of that.","start":305.06998,"end":307.09,"sentiment":"neutral","sentiment_score":0.19806949581418717},{"text":"It is quite lengthy in compliance, but also to make sure that you fully understand everything, it will have the tax and the returns and everything like that in there.","start":307.345,"end":314.065,"sentiment":"neutral","sentiment_score":0.16722356379032136},{"text":"And then following that, you can then let me know if you are happy to go ahead with the change or if you want to make any alterations or anything like that.","start":314.065,"end":320.565,"sentiment":"neutral","sentiment_score":0.2707710254471749},{"text":"Yep.","start":322.12997,"end":322.44998,"sentiment":"neutral","sentiment_score":0.13383078575134277},{"text":"Does that make sense?","start":322.44998,"end":323.66998,"sentiment":"neutral","sentiment_score":0.15476921759545803}],"sentiment":"neutral","sentiment_score":0.21379424128178004,"num_words":74,"start":305.06998,"end":323.66998},{"sentences":[{"text":"Yep.","start":324.68997,"end":325.09,"sentiment":"neutral","sentiment_score":0.21696877479553223},{"text":"Perfect.","start":325.09,"end":325.59,"sentiment":"positive","sentiment_score":0.5117363333702087},{"text":"Now in order for me to to do all that research, I do need to just triple check if there's anything else that's changed with you.","start":326.12997,"end":334.78998,"sentiment":"neutral","sentiment_score":0.11625232533193551},{"text":"So with your income, I have it here at $3.50.","start":335.44498,"end":339.205,"sentiment":"neutral","sentiment_score":0.0922339078038931},{"text":"Is that correct?","start":339.205,"end":340.025,"sentiment":"neutral","sentiment_score":0.09191111475229263}],"sentiment":"neutral","sentiment_score":0.12071556070955788,"num_words":41,"start":324.68997,"end":340.025},{"sentences":[{"text":"Okay.","start":342.56497,"end":343.04498,"sentiment":"neutral","sentiment_score":0.19738887250423431},{"text":"Perfect.","start":343.04498,"end":343.54498,"sentiment":"positive","sentiment_score":0.46025529503822327},{"text":"Let me see here.","start":345.76498,"end":346.905,"sentiment":"neutral","sentiment_score":0.099273013882339},{"text":"And you're happy, obviously, because, obviously, doing all the research on your super, you're happy to just focus on your super, you're happy with your insurances and everything like that?","start":349.32,"end":356.28003,"sentiment":"positive","sentiment_score":0.7071884383757909},{"text":"This is literally just the superannuation investments that you would like to focus on right now?","start":356.28003,"end":361.18002,"sentiment":"neutral","sentiment_score":0.31213434133678675}],"sentiment":"positive","sentiment_score":0.5243180545333487,"num_words":52,"start":342.56497,"end":361.18002},{"sentences":[{"text":"Yes.","start":362.905,"end":363.305,"sentiment":"neutral","sentiment_score":0.21118783950805664},{"text":"K.","start":363.305,"end":363.805,"sentiment":"neutral","sentiment_score":0.14026084542274475},{"text":"Okay.","start":363.945,"end":364.445,"sentiment":"neutral","sentiment_score":0.2698538601398468},{"text":"Perfect.","start":364.505,"end":365.005,"sentiment":"positive","sentiment_score":0.47023987770080566},{"text":"Now I'll go and do this research for you.","start":365.465,"end":369.005,"sentiment":"neutral","sentiment_score":0.3111814442608092}],"sentiment":"neutral","sentiment_score":0.29939810931682587,"num_words":13,"start":362.905,"end":369.005},{"sentences":[{"text":"It will take a couple of weeks to get everything together, but as soon as I do, I'll give you a call.","start":369.225,"end":373.88498,"sentiment":"neutral","sentiment_score":0.10398161834613844},{"text":"Yep.","start":374.55002,"end":375.05002,"sentiment":"neutral","sentiment_score":-0.06472308933734894},{"text":"Okay.","start":378.79,"end":379.29,"sentiment":"neutral","sentiment_score":-0.03183601051568985},{"text":"Okay.","start":379.51,"end":380.01,"sentiment":"neutral","sentiment_score":-0.018636628985404968},{"text":"$8,500.","start":381.99002,"end":382.81,"sentiment":"neutral","sentiment_score":-0.001437028869986534}],"sentiment":"neutral","sentiment_score":0.08349857099640828,"num_words":26,"start":369.225,"end":382.81},{"sentences":[{"text":"And you're still wanting to shift it from growth to defensive, or is it mainly that you feel like you're overexposed in that particular investment?","start":382.95,"end":390.725,"sentiment":"neutral","sentiment_score":-0.0531774228066206},{"text":"Mhmm.","start":395.905,"end":396.405,"sentiment":"neutral","sentiment_score":0.015593282878398895},{"text":"Yes.","start":397.02502,"end":397.42502,"sentiment":"neutral","sentiment_score":0.06389796733856201},{"text":"You do.","start":397.42502,"end":398.165,"sentiment":"neutral","sentiment_score":0.06658497080206871},{"text":"Okay.","start":399.78,"end":400.02002,"sentiment":"neutral","sentiment_score":0.05084152892231941}],"sentiment":"neutral","sentiment_score":-0.035531094980736574,"num_words":30,"start":382.95,"end":400.02002},{"sentences":[{"text":"So you wanna shift some from from the growth into defensive and then also making sure as part of that, not having that high of an allocation through the iShares as the p 500.","start":400.02002,"end":410.04,"sentiment":"neutral","sentiment_score":0.04549431176308323},{"text":"Yeah.","start":411.30002,"end":411.735,"sentiment":"neutral","sentiment_score":0.05704387277364731},{"text":"Okay.","start":412.215,"end":412.615,"sentiment":"neutral","sentiment_score":0.18205401301383972},{"text":"Perfect.","start":412.615,"end":413.115,"sentiment":"neutral","sentiment_score":0.29599863290786743},{"text":"Now while we are obviously reviewing your superannuation, I do wanna let you know is that have you recently read our newsletter?","start":414.215,"end":422.31497,"sentiment":"neutral","sentiment_score":0.10650711879134178}],"sentiment":"neutral","sentiment_score":0.0750010124076221,"num_words":59,"start":400.02002,"end":422.31497},{"sentences":[{"text":"No.","start":425.11,"end":425.43,"sentiment":"neutral","sentiment_score":-0.014651866629719734},{"text":"So we've we've recently joined with BlackRock as well to create an SMA.","start":425.43,"end":430.81,"sentiment":"neutral","sentiment_score":0.042035371208420165},{"text":"Are you quite do you know what an SMA is?","start":431.27,"end":433.51,"sentiment":"neutral","sentiment_score":0.019128388538956643},{"text":"Are you quite familiar with that?","start":433.51,"end":435.21,"sentiment":"neutral","sentiment_score":0.019339141435921192},{"text":"No.","start":436.64502,"end":437.045,"sentiment":"neutral","sentiment_score":-0.07155746221542358}],"sentiment":"neutral","sentiment_score":0.024760297769981045,"num_words":31,"start":425.11,"end":437.045},{"sentences":[{"text":"So an SMA, it is a self managed account.","start":437.045,"end":440.24503,"sentiment":"neutral","sentiment_score":-0.013953000410563417},{"text":"So it works a little bit different.","start":440.24503,"end":441.605,"sentiment":"neutral","sentiment_score":-0.0030620659568480085},{"text":"Still over the investment within superannuation, but it works a little bit different to how your current investment are structured.","start":441.605,"end":448.08502,"sentiment":"neutral","sentiment_score":0.0076576538383960726},{"text":"So at the moment, we have you in what we would call your model portfolio where you log in through Hub twenty four.","start":448.08502,"end":453.5,"sentiment":"neutral","sentiment_score":0.06577656337100526},{"text":"You can see each and every single one of your investments.","start":453.5,"end":455.91998,"sentiment":"neutral","sentiment_score":0.06817468052560632}],"sentiment":"neutral","sentiment_score":0.03241320078128151,"num_words":70,"start":437.045,"end":455.91998},{"sentences":[{"text":"And if we want to go and make a change through one of those investments, if that's one that's underperforming or, you know, we wanna make a change, we'll go and do the research.","start":456.3,"end":464.88,"sentiment":"neutral","sentiment_score":0.012553450541899484},{"text":"We'll put everything together in a strategy paper for you, present the change, and then you would have to obviously agree through the change.","start":464.895,"end":471.79498,"sentiment":"neutral","sentiment_score":0.13979230045030513},{"text":"How the SMA works is a little bit different where it is that you invest in a particular portfolio.","start":472.815,"end":478.91498,"sentiment":"neutral","sentiment_score":0.012142896358119814},{"text":"And then within the portfolio, it is a similar structure to how everything is set up, but you just invested in the portfolio itself.","start":480.22,"end":486.8,"sentiment":"neutral","sentiment_score":0.032394027803093195},{"text":"But what it kind of alleviates is that that if we do foresee that we wanna swap out an investment, we can just quickly do it in the back end.","start":487.18,"end":494.955,"sentiment":"neutral","sentiment_score":0.14434363221128782}],"sentiment":"neutral","sentiment_score":0.06962071140190117,"num_words":131,"start":456.3,"end":494.955},{"sentences":[{"text":"We'll let you know of the change, but it's not the same process of going through the research document and you approving everything before making the change.","start":495.115,"end":503.51498,"sentiment":"neutral","sentiment_score":0.0855418028837044},{"text":"So it does make it a speedy process, but it does mean slightly less disability for you when it comes to your investment.","start":503.51498,"end":511.03,"sentiment":"neutral","sentiment_score":0.3036322995372441},{"text":"Do you are you open to something like that if it's going to be good for you, or do you prefer to kind of have that full work?","start":513.41,"end":519.99,"sentiment":"neutral","sentiment_score":0.16547107550182513},{"text":"Okay.","start":523.10504,"end":523.585,"sentiment":"neutral","sentiment_score":0.11391384154558182},{"text":"Would you like me to factor in that in the research or show you the the options or just keep the normal structure for now?","start":523.585,"end":530.645,"sentiment":"neutral","sentiment_score":0.09685846731066704}],"sentiment":"neutral","sentiment_score":0.1582859346690384,"num_words":104,"start":495.115,"end":530.645},{"sentences":[{"text":"Yep.","start":532.78503,"end":533.185,"sentiment":"neutral","sentiment_score":0.2111985683441162},{"text":"Okay.","start":533.185,"end":533.685,"sentiment":"neutral","sentiment_score":0.2730477452278137},{"text":"No problem at all.","start":533.745,"end":535.125,"sentiment":"positive","sentiment_score":0.3841680735349655},{"text":"Is there anything else, any other questions you have for me or any other requirements or anything you would like me to factor in when I do this research for you, Tim?","start":536.57,"end":545.47,"sentiment":"neutral","sentiment_score":0.22199308220297098},{"text":"No?","start":546.81,"end":547.31,"sentiment":"neutral","sentiment_score":-0.02377716451883316}],"sentiment":"neutral","sentiment_score":0.23335692496635976,"num_words":39,"start":532.78503,"end":547.31},{"sentences":[{"text":"That's it.","start":547.37,"end":548.08997,"sentiment":"neutral","sentiment_score":0.0012683309614658356},{"text":"Alright.","start":548.08997,"end":548.58997,"sentiment":"positive","sentiment_score":0.3668837249279022},{"text":"Perfect.","start":548.75494,"end":549.07495,"sentiment":"positive","sentiment_score":0.5911309719085693},{"text":"Well, I will let you go.","start":549.07495,"end":550.435,"sentiment":"neutral","sentiment_score":0.27728287627299625},{"text":"Leave this with me.","start":550.435,"end":551.235,"sentiment":"neutral","sentiment_score":0.10646549612283707}],"sentiment":"neutral","sentiment_score":0.2178650429206235,"num_words":14,"start":547.37,"end":551.235},{"sentences":[{"text":"Like I said, it might take a couple of weeks.","start":551.235,"end":552.675,"sentiment":"neutral","sentiment_score":0.018365115392953157},{"text":"But as soon as I have it ready, we'll go through the change, and then you can let me know what you think.","start":552.675,"end":557.01495,"sentiment":"neutral","sentiment_score":0.2596191582472428},{"text":"No problem at all.","start":558.675,"end":559.475,"sentiment":"positive","sentiment_score":0.5732302069664001},{"text":"We'll speak soon.","start":559.475,"end":560.45496,"sentiment":"positive","sentiment_score":0.3711324632167816},{"text":"Bye.","start":561.95496,"end":562.45496,"sentiment":"neutral","sentiment_score":-0.09286517649888992}],"sentiment":"neutral","sentiment_score":0.23093523986910175,"num_words":41,"start":551.235,"end":562.45496}]}}]},{"alternatives":[{"transcript":"Can you go with? Well, thanks. Yeah. That's fine. One second. I'll just Yep. Yes. That's fine. Webster. Yeah. Not little bit quiet today. It's good catching up with a few things. Yeah. Just yeah. Over the over the next few months. Yep. Yeah. Yeah. Yeah. Well yeah. Just gradually kind of just adjusting it for the moment. Yep. Yep. No. No. No. No. I'm like, it it was just I'm always reading, and I'm just wondering yeah. I just wanna move a portion 25% or something of the my my into something more defensive, not the whole lot. Mhmm. Yeah. So I think I'd like to do that for the for the balance of 2026, to be honest. Yeah. Yeah. The 70 30. Yep. Yep. I got that. Yep. Yeah. Yeah. I think so. Yeah. Yeah. If someone could send me what the impact of that would be before pressing the button, that'd be great. Yep. Uh-huh. Yeah. Yeah. Nothing nothing else has changed. Yeah. Yeah. Yep. That's it. Yeah. Yeah. That that that's fine. Yeah. I I just thought it was a little bit overexposed to the S and P 500. That's all. Yeah. I think I've got 30% in that. Yep. That's all. No. I'm not. Uh-huh. I'll I'll need to do I'll need to do a bit more reading first on that. Just just keep the normal structure for now. Okay. Thank you. 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you go with? Well, thanks. Yeah. That's fine. One second.\n\nI'll just Yep. Yes. That's fine. Webster. Yeah.\n\nNot little bit quiet today. It's good catching up with a few things. Yeah. Just yeah. Over the over the next few months.\n\nYep. Yeah. Yeah. Yeah. Well yeah.\n\nJust gradually kind of just adjusting it for the moment. Yep. Yep. No. No.\n\nNo. No. I'm like, it it was just I'm always reading, and I'm just wondering yeah. I just wanna move a portion 25% or something of the my my into something more defensive, not the whole lot. Mhmm.\n\nYeah. So I think I'd like to do that for the for the balance of 2026, to be honest. Yeah. Yeah. The 70 30.\n\nYep. Yep. I got that. Yep. Yeah.\n\nYeah. I think so. Yeah. Yeah. If someone could send me what the impact of that would be before pressing the button, that'd be great.\n\nYep. Uh-huh. Yeah. Yeah. Nothing nothing else has changed.\n\nYeah. Yeah. Yep. That's it. Yeah.\n\nYeah. That that that's fine. Yeah. I I just thought it was a little bit overexposed to the S and P 500. That's all.\n\nYeah. I think I've got 30% in that. Yep. That's all. No.\n\nI'm not. Uh-huh. I'll I'll need to do I'll need to do a bit more reading first on that. Just just keep the normal structure for now. Okay.\n\nThank you. Alright.","paragraphs":[{"sentences":[{"text":"Can you go with?","start":4.72,"end":5.7,"sentiment":"neutral","sentiment_score":0.10008996166288853},{"text":"Well, thanks.","start":7.3599997,"end":8.18,"sentiment":"positive","sentiment_score":0.5029537379741669},{"text":"Yeah.","start":14.3949995,"end":14.474999,"sentiment":"neutral","sentiment_score":0.13946397602558136},{"text":"That's fine.","start":14.474999,"end":15.035,"sentiment":"neutral","sentiment_score":0.17787057906389236},{"text":"One second.","start":15.035,"end":15.434999,"sentiment":"neutral","sentiment_score":0.07663921266794205}],"sentiment":"neutral","sentiment_score":0.1867955347353762,"num_words":11,"start":4.72,"end":15.434999},{"sentences":[{"text":"I'll just Yep.","start":15.434999,"end":26.575,"sentiment":"neutral","sentiment_score":0.054878488183021545},{"text":"Yes.","start":27.835,"end":28.075,"sentiment":"neutral","sentiment_score":0.1049376130104065},{"text":"That's fine.","start":28.075,"end":28.895,"sentiment":"neutral","sentiment_score":0.14862197637557983},{"text":"Webster.","start":37.96,"end":38.46,"sentiment":"neutral","sentiment_score":0.0332590751349926},{"text":"Yeah.","start":44.985,"end":45.225002,"sentiment":"neutral","sentiment_score":0.06511090695858002}],"sentiment":"neutral","sentiment_score":0.08314837655052543,"num_words":8,"start":15.434999,"end":45.225002},{"sentences":[{"text":"Not little bit quiet today.","start":45.225002,"end":46.905003,"sentiment":"neutral","sentiment_score":0.03234704211354256},{"text":"It's good catching up with a few things.","start":46.905003,"end":49.085003,"sentiment":"neutral","sentiment_score":0.1546289026737213},{"text":"Yeah.","start":65.68,"end":66.18,"sentiment":"neutral","sentiment_score":0.012071754783391953},{"text":"Just yeah.","start":66.24,"end":67.439995,"sentiment":"neutral","sentiment_score":0.008650940842926502},{"text":"Over the over the next few 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yeah.","start":100.65,"end":107.975,"sentiment":"neutral","sentiment_score":-0.14305013258542335},{"text":"I just wanna move a portion 25% or something of the my my into something more defensive, not the whole lot.","start":107.975,"end":115.91499,"sentiment":"neutral","sentiment_score":-0.07773895685871442},{"text":"Mhmm.","start":145.73,"end":146.23,"sentiment":"neutral","sentiment_score":0.05810549855232239}],"sentiment":"neutral","sentiment_score":-0.10334338767355994,"num_words":38,"start":99.21,"end":146.23},{"sentences":[{"text":"Yeah.","start":184.52501,"end":184.765,"sentiment":"neutral","sentiment_score":0.11203667521476746},{"text":"So I think I'd like to do that for the for the balance of 2026, to be honest.","start":184.765,"end":194.38501,"sentiment":"neutral","sentiment_score":0.1448262743651867},{"text":"Yeah.","start":199.565,"end":200.04,"sentiment":"neutral","sentiment_score":0.026166416704654697},{"text":"Yeah.","start":200.28,"end":200.51999,"sentiment":"neutral","sentiment_score":0.05257505178451538},{"text":"The 70 30.","start":200.51999,"end":201.65999,"sentiment":"neutral","sentiment_score":0.059353407472372055}],"sentiment":"neutral","sentiment_score":0.12398797102893393,"num_words":24,"start":184.52501,"end":201.65999},{"sentences":[{"text":"Yep.","start":201.71999,"end":202.21999,"sentiment":"neutral","sentiment_score":0.13897991180419922},{"text":"Yep.","start":238.75,"end":239.15,"sentiment":"neutral","sentiment_score":-0.0676829144358635},{"text":"I got that.","start":239.15,"end":239.895,"sentiment":"neutral","sentiment_score":-0.06371236157914002},{"text":"Yep.","start":240.375,"end":240.875,"sentiment":"neutral","sentiment_score":0.005463384557515383},{"text":"Yeah.","start":260.28,"end":260.68,"sentiment":"neutral","sentiment_score":0.1932288110256195}],"sentiment":"neutral","sentiment_score":0.011264586887721502,"num_words":7,"start":201.71999,"end":260.68},{"sentences":[{"text":"Yeah.","start":260.68,"end":261.0,"sentiment":"neutral","sentiment_score":0.1763194054365158},{"text":"I think so.","start":261.0,"end":261.82,"sentiment":"neutral","sentiment_score":0.2221187800168991},{"text":"Yeah.","start":272.595,"end":273.095,"sentiment":"neutral","sentiment_score":0.023572294041514397},{"text":"Yeah.","start":274.19498,"end":274.595,"sentiment":"neutral","sentiment_score":0.1730688512325287},{"text":"If someone could send me what the impact of that would be before pressing the button, that'd be 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changed.","start":340.55002,"end":342.17,"sentiment":"neutral","sentiment_score":0.01004878208041191}],"sentiment":"neutral","sentiment_score":0.04803204412261645,"num_words":9,"start":321.615,"end":342.17},{"sentences":[{"text":"Yeah.","start":361.455,"end":361.775,"sentiment":"neutral","sentiment_score":0.12164779007434844},{"text":"Yeah.","start":361.775,"end":362.275,"sentiment":"neutral","sentiment_score":0.12336132675409316},{"text":"Yep.","start":362.41998,"end":362.82,"sentiment":"neutral","sentiment_score":0.13630229234695437},{"text":"That's it.","start":362.82,"end":363.48,"sentiment":"neutral","sentiment_score":0.19179725646972656},{"text":"Yeah.","start":372.26,"end":372.5,"sentiment":"neutral","sentiment_score":0.047389909625053406}],"sentiment":"neutral","sentiment_score":0.1353826386233171,"num_words":6,"start":361.455,"end":372.5},{"sentences":[{"text":"Yeah.","start":372.5,"end":372.74,"sentiment":"neutral","sentiment_score":0.029735129326581955},{"text":"That that that's fine.","start":372.74,"end":373.94,"sentiment":"neutral","sentiment_score":0.05348597653210163},{"text":"Yeah.","start":373.94,"end":374.18,"sentiment":"neutral","sentiment_score":-0.008989140391349792},{"text":"I I just thought it was a little bit overexposed to the S and P 500.","start":374.18,"end":378.445,"sentiment":"neutral","sentiment_score":-0.1398610039614141},{"text":"That's all.","start":378.505,"end":379.245,"sentiment":"neutral","sentiment_score":-0.11286086589097977}],"sentiment":"neutral","sentiment_score":-0.09286699583753943,"num_words":24,"start":372.5,"end":379.245},{"sentences":[{"text":"Yeah.","start":392.13,"end":392.53,"sentiment":"neutral","sentiment_score":-0.01599673181772232},{"text":"I think I've got 30% in that.","start":392.53,"end":394.95,"sentiment":"neutral","sentiment_score":-0.018744471882070814},{"text":"Yep.","start":410.57498,"end":410.97498,"sentiment":"neutral","sentiment_score":0.052745722234249115},{"text":"That's all.","start":410.97498,"end":411.875,"sentiment":"neutral","sentiment_score":0.06398852728307247},{"text":"No.","start":435.335,"end":435.575,"sentiment":"neutral","sentiment_score":-0.0729026198387146}],"sentiment":"neutral","sentiment_score":-0.0032823231692115464,"num_words":12,"start":392.13,"end":435.575},{"sentences":[{"text":"I'm not.","start":435.575,"end":436.235,"sentiment":"neutral","sentiment_score":-0.07003746926784515},{"text":"Uh-huh.","start":498.34998,"end":498.84998,"sentiment":"neutral","sentiment_score":0.02175852097570896},{"text":"I'll I'll need to do I'll need to do a bit more reading first on that.","start":518.41504,"end":521.635,"sentiment":"neutral","sentiment_score":-0.011192193953320384},{"text":"Just just keep the normal structure for now.","start":530.20996,"end":532.63,"sentiment":"neutral","sentiment_score":0.07239622483029962},{"text":"Okay.","start":557.29004,"end":557.61005,"sentiment":"positive","sentiment_score":0.4906294345855713}],"sentiment":"neutral","sentiment_score":0.02758598972910217,"num_words":28,"start":435.575,"end":557.61005},{"sentences":[{"text":"Thank you.","start":557.61005,"end":558.43005,"sentiment":"positive","sentiment_score":0.7792154848575592},{"text":"Alright.","start":560.89,"end":561.39,"sentiment":"neutral","sentiment_score":0.2588258385658264}],"sentiment":"positive","sentiment_score":0.6057522694269816,"num_words":3,"start":557.61005,"end":561.39}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Tim. This is Veronica from OQ\n\nChannel 1: Can you go\n\nChannel 0: Financial.\n\nChannel 1: with?\n\nChannel 0: How are you this afternoon?\n\nChannel 1: Well, thanks.\n\nChannel 0: That's good. I had you booked in for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. That's fine. One second. I'll just\n\nChannel 0: Yes. Sure. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if\n\nChannel 1: Yep.\n\nChannel 0: that's okay.\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Yes. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be?\n\nChannel 1: Webster.\n\nChannel 0: Yep. Perfect. That's exactly it. And how's your day been so far? Been busy?\n\nChannel 1: Yeah. Not little bit quiet today. It's good catching\n\nChannel 0: Oh,\n\nChannel 1: up\n\nChannel 0: well,\n\nChannel 1: with\n\nChannel 0: that's\n\nChannel 1: a few things.\n\nChannel 0: Well, that's nice. Well, I will try not to keep you for too long. I essentially have you booked in because you wanted to talk about potentially reducing your risk exposure and getting a little bit more defensive. Is that right?\n\nChannel 1: Yeah. Just yeah. Over the over the next few months. Yep.\n\nChannel 0: Just over the next few months?\n\nChannel 1: Yeah. Yeah. Yeah. Well yeah. Just gradually kind of just adjusting it for the moment.\n\nYep.\n\nChannel 0: Yep. Okay. Now with the the risk and stuff at the moment, so, obviously, we currently have you in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: I guess your reasoning for wanting to decrease at the moment is is because you feel like you're getting closer to retirement and you wanna slowly start\n\nChannel 1: No.\n\nChannel 0: decreasing.\n\nChannel 1: No. No. No. I'm like, it it was just\n\nChannel 0: No.\n\nChannel 1: I'm always reading, and I'm just wondering yeah. I just wanna move a portion 25% or something of the my my into something more defensive, not the whole lot.\n\nChannel 0: Okay. Perfect. So with the different risk profiles and stuff that we do, we do there are a lot of different ones, and it's based on, obviously, a percentage of how much is in growth assets versus how much is in defensive assets. So, typically, in your your high growth portfolio, we see 90% in your growth investment, that would typically obviously be your international shares, your Australian shares, property, and commodities.\n\nChannel 1: Mhmm.\n\nChannel 0: And then you obviously have your defensive as well. So about 10% allocated to that. If we look at reducing it by one step down to a growth portfolio, so still wanting to kind of grow a little bit, but you want a bit more of a defensive approach, we're looking at your eighty twenty split. So 82 growth, 22 defensive. If we go even further down to a balance growth, that we call it, where it's like you still you want a little bit of the growth, but you also want a a a lot higher defensive proportion to your portfolio to limit fluctuations.\n\nWe're looking typically at a seventy thirty split.\n\nChannel 1: Yeah. So I think I'd like to do that for the for the balance of 2026, to be honest.\n\nChannel 0: Mhmm. So the 7030 or\n\nChannel 1: Yeah.\n\nChannel 0: which one?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: The 70\n\nChannel 0: Okay.\n\nChannel 1: 30. Yep.\n\nChannel 0: Okay. Perfect. Now, obviously, when we do the the the change in the portfolio, so I'll have a look at that for you. When we are making changes, it will mean that we would obviously sell some of your investments, and there will be capital gain tax on some of it. So, typically, we obviously do wanna make sure we have you in the best options possible, but it is more so typically for your long term investment for it to grow.\n\nBecause if you sell frequently, then you have to pay a lot higher tax. If you've had it for more than twelve months, there is a reduction in the capital\n\nChannel 1: Yep.\n\nChannel 0: gains\n\nChannel 1: I got\n\nChannel 0: tax.\n\nChannel 1: that. Yep.\n\nChannel 0: Okay. Perfect. So you were quite happy to look at reducing it to the $70.30 30, and you are aware that, obviously, there will be some capital gains. I will calculate it all for you to obviously try to minimize it as much as we can and that you're comfortable with all that.\n\nChannel 1: Yeah. Yeah. I think so.\n\nChannel 0: Yep. Okay. I'll I'll do the research and stuff anyway, and then I'll put together a proposal on the seventy thirty split of, obviously, you're wanting to reduce that\n\nChannel 1: Yeah.\n\nChannel 0: risk allocation.\n\nChannel 1: Yeah. If someone could send me what the impact of that would be before pressing the button, that'd be great.\n\nChannel 0: Yes. Definitely. So because, obviously, it is advised that it's tailored through you, I will go under research on the different investments and see if we wanna switch out also some of your growth ones depending on what they are doing, potentially swapping some of them out, and then also shift, obviously, more towards your defensive investment for you. And then I'll put everything together in a statement of advice. I'll run you through all of that.\n\nIt is quite lengthy in compliance, but also to make sure that you fully understand everything, it will have the tax and the returns and everything like that in there. And then following that, you can then let me know if you are happy to go ahead with the change or if you want to make any alterations or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Uh-huh.\n\nChannel 0: Yep. Perfect. Now in order for me to to do all that research, I do need to just triple check if there's anything else that's changed with you. So with your income, I have it here at $3.50. Is that correct?\n\nChannel 1: Yeah. Yeah. Nothing nothing else has changed.\n\nChannel 0: Okay. Perfect. Let me see here. And you're happy, obviously, because, obviously, doing all the research on your super, you're happy to just focus on your super, you're happy with your insurances and everything like that? This is literally just the superannuation investments that you would like to focus on right now?\n\nChannel 1: Yeah. Yeah. Yep. That's\n\nChannel 0: Yes.\n\nChannel 1: it.\n\nChannel 0: K. Okay. Perfect. Now I'll go and do this research for you. It will take a couple of weeks to get everything together, but as soon\n\nChannel 1: Yeah.\n\nChannel 0: as I\n\nChannel 1: Yeah.\n\nChannel 0: do, I'll\n\nChannel 1: That\n\nChannel 0: give\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: a call.\n\nChannel 1: fine. Yeah. I I just\n\nChannel 0: Yep.\n\nChannel 1: thought it was a little bit overexposed to the S and P 500. That's all.\n\nChannel 0: Okay. Okay. $8,500. And you're still wanting to shift it from growth to defensive, or is it mainly that you feel like you're overexposed in that particular investment?\n\nChannel 1: Yeah. I think I've got 30% in that.\n\nChannel 0: Mhmm. Yes. You do. Okay. So you wanna shift some from from the growth into defensive and then also making sure as part of that, not having that high of an allocation through the iShares as the p 500.\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: all.\n\nChannel 0: Okay. Perfect. Now while we are obviously reviewing your superannuation, I do wanna let you know is that have you recently read our newsletter? No. So we've we've recently joined with BlackRock as well to create an SMA.\n\nAre you quite do you know what an SMA is? Are you quite familiar with that?\n\nChannel 1: No. I'm not.\n\nChannel 0: No. So an SMA, it is a self managed account. So it works a little bit different. Still over the investment within superannuation, but it works a little bit different to how your current investment are structured. So at the moment, we have you in what we would call your model portfolio where you log in through Hub twenty four.\n\nYou can see each and every single one of your investments. And if we want to go and make a change through one of those investments, if that's one that's underperforming or, you know, we wanna make a change, we'll go and do the research. We'll put everything together in a strategy paper for you, present the change, and then you would have to obviously agree through the change. How the SMA works is a little bit different where it is that you invest in a particular portfolio. And then within the portfolio, it is a similar structure to how everything is set up, but you just invested in the portfolio itself.\n\nBut what it kind of alleviates is that that if we do foresee that we wanna swap out an investment, we can just quickly do it in the back end. We'll let you know of the change, but it's not the same process\n\nChannel 1: Uh-huh.\n\nChannel 0: of going through the research document and you approving everything before making the change. So it does make it a speedy process, but it does mean slightly less disability for you when it comes to your investment. Do you are you open to something like that if it's going to be good for you, or do you prefer to\n\nChannel 1: I'll\n\nChannel 0: kind\n\nChannel 1: I'll need\n\nChannel 0: of have\n\nChannel 1: to do\n\nChannel 0: that\n\nChannel 1: I'll\n\nChannel 0: full\n\nChannel 1: need\n\nChannel 0: work?\n\nChannel 1: to do a bit more reading first on that.\n\nChannel 0: Okay. Would you like me to factor in that in the research or show you the the options or just keep the normal structure for now?\n\nChannel 1: Just just keep the normal structure for now.\n\nChannel 0: Yep. Okay. No problem at all. Is there anything else, any other questions you have for me or any other requirements or anything you would like me to factor in when I do this research for you, Tim? No?\n\nThat's it. Alright. Perfect. Well, I will let you go. Leave this with me.\n\nLike I said, it might take a couple of weeks. But as soon as I have it ready, we'll go through the change, and then you can let me know what you think.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Alright.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tim.","start":2.56,"end":3.52,"sentiment":"neutral","sentiment_score":0.20118236541748047},{"text":"This is Veronica from OQ","start":3.52,"end":5.04,"sentiment":"neutral","sentiment_score":0.13334271758794786}],"sentiment":"neutral","sentiment_score":0.15878258552402258,"channel":0,"num_words":8,"start":2.56,"end":5.04},{"sentences":[{"text":"Can you go","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":0.10585531344016393}],"sentiment":"neutral","sentiment_score":0.10585531344016393,"channel":1,"num_words":3,"start":4.72,"end":5.2},{"sentences":[{"text":"Financial.","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.12033933401107788}],"sentiment":"neutral","sentiment_score":0.12033933401107788,"channel":0,"num_words":1,"start":5.04,"end":5.54},{"sentences":[{"text":"with?","start":5.2,"end":5.7,"sentiment":"neutral","sentiment_score":0.08279390633106232}],"sentiment":"neutral","sentiment_score":0.08279390633106232,"channel":1,"num_words":1,"start":5.2,"end":5.7},{"sentences":[{"text":"How are you this afternoon?","start":5.6,"end":6.74,"sentiment":"neutral","sentiment_score":0.16260123550891875}],"sentiment":"neutral","sentiment_score":0.16260123550891875,"channel":0,"num_words":5,"start":5.6,"end":6.74},{"sentences":[{"text":"Well, thanks.","start":7.3599997,"end":8.18,"sentiment":"positive","sentiment_score":0.5029537379741669}],"sentiment":"positive","sentiment_score":0.5029537379741669,"channel":1,"num_words":2,"start":7.3599997,"end":8.18},{"sentences":[{"text":"That's good.","start":8.639999,"end":9.54,"sentiment":"positive","sentiment_score":0.700494647026062},{"text":"I had you booked in for a bit of a catch up.","start":9.92,"end":12.24,"sentiment":"positive","sentiment_score":0.3483620708187421},{"text":"Is now still a good time for you?","start":12.24,"end":13.875,"sentiment":"neutral","sentiment_score":0.3044698089361191}],"sentiment":"positive","sentiment_score":0.36441330069845373,"channel":0,"num_words":22,"start":8.639999,"end":13.875},{"sentences":[{"text":"Yeah.","start":14.3949995,"end":14.474999,"sentiment":"neutral","sentiment_score":0.13946397602558136},{"text":"That's fine.","start":14.474999,"end":15.035,"sentiment":"neutral","sentiment_score":0.17787057906389236},{"text":"One 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investment?","start":382.95,"end":390.725,"sentiment":"neutral","sentiment_score":-0.0531774228066206}],"sentiment":"neutral","sentiment_score":-0.049333758519164154,"channel":0,"num_words":28,"start":378.79,"end":390.725},{"sentences":[{"text":"Yeah.","start":392.13,"end":392.53,"sentiment":"neutral","sentiment_score":-0.01599673181772232},{"text":"I think I've got 30% in that.","start":392.53,"end":394.95,"sentiment":"neutral","sentiment_score":-0.018744471882070814}],"sentiment":"neutral","sentiment_score":-0.018401004374027252,"channel":1,"num_words":8,"start":392.13,"end":394.95},{"sentences":[{"text":"Mhmm.","start":395.905,"end":396.405,"sentiment":"neutral","sentiment_score":0.015593282878398895},{"text":"Yes.","start":397.02502,"end":397.42502,"sentiment":"neutral","sentiment_score":0.06389796733856201},{"text":"You 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that?","start":433.51,"end":435.21,"sentiment":"neutral","sentiment_score":0.019339141435921192}],"sentiment":"neutral","sentiment_score":0.01920742087531835,"channel":0,"num_words":16,"start":431.27,"end":435.21},{"sentences":[{"text":"No.","start":435.335,"end":435.575,"sentiment":"neutral","sentiment_score":-0.0729026198387146},{"text":"I'm not.","start":435.575,"end":436.235,"sentiment":"neutral","sentiment_score":-0.07003746926784515}],"sentiment":"neutral","sentiment_score":-0.07099251945813496,"channel":1,"num_words":3,"start":435.335,"end":436.235},{"sentences":[{"text":"No.","start":436.64502,"end":437.045,"sentiment":"neutral","sentiment_score":-0.07155746221542358},{"text":"So an SMA, it is a self managed account.","start":437.045,"end":440.24503,"sentiment":"neutral","sentiment_score":-0.013953000410563417},{"text":"So it works a little bit different.","start":440.24503,"end":441.605,"sentiment":"neutral","sentiment_score":-0.0030620659568480085},{"text":"Still over the 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do a bit more reading first on that.","start":519.53503,"end":521.635,"sentiment":"neutral","sentiment_score":-0.023984375099341076}],"sentiment":"neutral","sentiment_score":-0.023984375099341076,"channel":1,"num_words":9,"start":519.53503,"end":521.635},{"sentences":[{"text":"Okay.","start":523.10504,"end":523.585,"sentiment":"neutral","sentiment_score":0.11391384154558182},{"text":"Would you like me to factor in that in the research or show you the the options or just keep the normal structure for now?","start":523.585,"end":530.645,"sentiment":"neutral","sentiment_score":0.09685846731066704}],"sentiment":"neutral","sentiment_score":0.09751444324277915,"channel":0,"num_words":26,"start":523.10504,"end":530.645},{"sentences":[{"text":"Just just keep the normal structure for now.","start":530.20996,"end":532.63,"sentiment":"neutral","sentiment_score":0.07239622483029962}],"sentiment":"neutral","sentiment_score":0.07239622483029962,"channel":1,"num_words":8,"start":530.20996,"end":532.63},{"sentences":[{"text":"Yep.","start":532.78503,"end":533.185,"sentiment":"neutral","sentiment_score":0.2111985683441162},{"text":"Okay.","start":533.185,"end":533.685,"sentiment":"neutral","sentiment_score":0.2730477452278137},{"text":"No problem at all.","start":533.745,"end":535.125,"sentiment":"positive","sentiment_score":0.3841680735349655},{"text":"Is there anything else, any other questions you have for me or any other requirements or anything you would like me to factor in when I do this research for you, Tim?","start":536.57,"end":545.47,"sentiment":"neutral","sentiment_score":0.22199308220297098},{"text":"No?","start":546.81,"end":547.31,"sentiment":"neutral","sentiment_score":-0.02377716451883316}],"sentiment":"neutral","sentiment_score":0.23335692496635976,"channel":0,"num_words":39,"start":532.78503,"end":547.31},{"sentences":[{"text":"That's it.","start":547.37,"end":548.08997,"sentiment":"neutral","sentiment_score":0.0012683309614658356},{"text":"Alright.","start":548.08997,"end":548.58997,"sentiment":"positive","sentiment_score":0.3668837249279022},{"text":"Perfect.","start":548.75494,"end":549.07495,"sentiment":"positive","sentiment_score":0.5911309719085693},{"text":"Well, I will let you go.","start":549.07495,"end":550.435,"sentiment":"neutral","sentiment_score":0.27728287627299625},{"text":"Leave this with me.","start":550.435,"end":551.235,"sentiment":"neutral","sentiment_score":0.10646549612283707}],"sentiment":"neutral","sentiment_score":0.2178650429206235,"channel":0,"num_words":14,"start":547.37,"end":551.235},{"sentences":[{"text":"Like I said, it might take a couple of weeks.","start":551.235,"end":552.675,"sentiment":"neutral","sentiment_score":0.018365115392953157},{"text":"But as soon as I have it ready, we'll go through the change, and then you can let me know what you think.","start":552.675,"end":557.01495,"sentiment":"neutral","sentiment_score":0.2596191582472428}],"sentiment":"neutral","sentiment_score":0.1865118725338217,"channel":0,"num_words":33,"start":551.235,"end":557.01495},{"sentences":[{"text":"Okay.","start":557.29004,"end":557.61005,"sentiment":"positive","sentiment_score":0.4906294345855713},{"text":"Thank you.","start":557.61005,"end":558.43005,"sentiment":"positive","sentiment_score":0.7792154848575592}],"sentiment":"positive","sentiment_score":0.6830201347668966,"channel":1,"num_words":3,"start":557.29004,"end":558.43005},{"sentences":[{"text":"No problem at all.","start":558.675,"end":559.475,"sentiment":"positive","sentiment_score":0.5732302069664001},{"text":"We'll speak soon.","start":559.475,"end":560.45496,"sentiment":"positive","sentiment_score":0.3711324632167816}],"sentiment":"positive","sentiment_score":0.4866168882165636,"channel":0,"num_words":7,"start":558.675,"end":560.45496},{"sentences":[{"text":"Alright.","start":560.89,"end":561.39,"sentiment":"neutral","sentiment_score":0.2588258385658264}],"sentiment":"neutral","sentiment_score":0.2588258385658264,"channel":1,"num_words":1,"start":560.89,"end":561.39},{"sentences":[{"text":"Bye.","start":561.95496,"end":562.45496,"sentiment":"neutral","sentiment_score":-0.09286517649888992}],"sentiment":"neutral","sentiment_score":-0.09286517649888992,"channel":0,"num_words":1,"start":561.95496,"end":562.45496}]},"summary":{"result":"success","short":"Representatives from OQ Can You Financial and OQ can you financial will discuss reducing risk exposure and decreasing the portfolio for the customer. The risk exposure is based on a percentage of growth and defensive assets. The speaker will research the investment portfolio and create a proposal for the split. They will adjust the split to $70.30 30 and create a proposal for the split. They will also discuss swapping some growth investments and focusing on the superanncare investments. The investment is a self-paced one and will be made in a similar way to the customer's current investment. The speaker is open to the idea and will need more time to decide."},"intents":{"segments":[{"text":"Well, I will try not to keep you for too long. I essentially have you booked in because you wanted to talk about potentially reducing your risk exposure and getting a little bit more defensive. Is that right? Yeah.","start_word":148,"end_word":186,"intents":[{"intent":"Reduce risk exposure","confidence_score":0.109361336},{"intent":"Increase risk","confidence_score":0.00948768},{"intent":"Reduce volatility","confidence_score":0.0003355388}]},{"text":"Just gradually kind of just adjusting it for the moment. Yep. Yep. Okay. Now with the the risk and stuff at the moment, so, obviously, we currently have you in a high growth portfolio. Yep.","start_word":208,"end_word":242,"intents":[{"intent":"Adjust portfolio","confidence_score":0.015537758}]},{"text":"So, typically, in your your high growth portfolio, we see 90% in your growth investment, that would typically obviously be your international shares, your Australian shares, property, and commodities. Mhmm.","start_word":354,"end_word":383,"intents":[{"intent":"Estimate portfolio growth","confidence_score":0.0010405882}]},{"text":"So you were quite happy to look at reducing it to the $70.30 30, and you are aware that, obviously, there will be some capital gains. I will calculate it all for you to obviously try to minimize it as much as we can and that you're comfortable with all that. Yeah.","start_word":652,"end_word":703,"intents":[{"intent":"Calculate cost","confidence_score":0.016861787}]},{"text":"So because, obviously, it is advised that it's tailored through you, I will go under research on the different investments and see if we wanna switch out also some of your growth ones depending on what they are doing, potentially swapping some of them out, and then also shift, obviously, more towards your defensive investment for you.","start_word":762,"end_word":818,"intents":[{"intent":"Compare investments","confidence_score":0.004625598}]},{"text":"And then following that, you can then let me know if you are happy to go ahead with the change or if you want to make any alterations or anything like that. Yep.","start_word":867,"end_word":899,"intents":[{"intent":"Provide feedback","confidence_score":0.0015956544}]},{"text":"Does that make sense? Uh-huh.","start_word":901,"end_word":905,"intents":[{"intent":"Confirm understanding","confidence_score":0.20754229}]},{"text":"Now in order for me to to do all that research, I do need to just triple check if there's anything else that's changed with you. So with your income, I have it here at $3.50. Is that correct?","start_word":908,"end_word":946,"intents":[{"intent":"Provide information","confidence_score":0.016463121}]},{"text":"And you're happy, obviously, because, obviously, doing all the research on your super, you're happy to just focus on your super, you're happy with your insurances and everything like that?","start_word":961,"end_word":990,"intents":[{"intent":"Do research","confidence_score":0.5137907}]},{"text":"This is literally just the superannuation investments that you would like to focus on right now? Yeah.","start_word":990,"end_word":1006,"intents":[{"intent":"Focus on superannuation investments","confidence_score":0.36852813},{"intent":"Discuss investment strategies","confidence_score":0.0020781802}]},{"text":"Now while we are obviously reviewing your superannuation, I do wanna let you know is that have you recently read our newsletter? No.","start_word":1153,"end_word":1175,"intents":[{"intent":"Review superannuation accounts","confidence_score":0.00006205957}]},{"text":"You can see each and every single one of your investments. And if we want to go and make a change through one of those investments, if that's one that's underperforming or, you know, we wanna make a change, we'll go and do the research. We'll put everything together in a strategy paper for you, present the change, and then you would have to obviously agree through the change.","start_word":1269,"end_word":1337,"intents":[{"intent":"Assist with investment management","confidence_score":0.00011801783}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Tim. This is Veronica from OQ Can you Financial. go with? How are you this afternoon?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.14284585416316986},{"text":"Well, thanks. That's good. I had you booked in for a bit of a catch up.","start_word":18,"end_word":33,"sentiment":"positive","sentiment_score":0.4444297254085541},{"text":"Is now still a good time for you? Yeah. That's fine. One second. I'll just Yes. Sure. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if Yep. that's okay. Yes. That's fine. Yes.","start_word":34,"end_word":84,"sentiment":"neutral","sentiment_score":0.10200820118188858},{"text":"Perfect.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.3893668055534363},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Webster. Yep.","start_word":86,"end_word":114,"sentiment":"neutral","sentiment_score":0.08864396065473557},{"text":"Perfect. That's exactly it.","start_word":115,"end_word":118,"sentiment":"positive","sentiment_score":0.3695281147956848},{"text":"And how's your day been so far? Been busy? Yeah. Not little bit quiet today. It's good catching Oh, well, up with that's a few things.","start_word":119,"end_word":144,"sentiment":"neutral","sentiment_score":0.11495255678892136},{"text":"Well, that's nice.","start_word":145,"end_word":147,"sentiment":"positive","sentiment_score":0.39048972725868225},{"text":"Well, I will try not to keep you for too long. I essentially have you booked in because you wanted to talk about potentially reducing your risk exposure and getting a little bit more defensive. Is that right? Yeah. Just yeah. Over the over the next few months. Yep. Just over the next few months? Yeah. Yeah. Yeah. Well yeah. Just gradually kind of just adjusting it for the moment. Yep. Yep. Okay. Now with the the risk and stuff at the moment, so, obviously, we currently have you in a high growth portfolio. Yep. I guess your reasoning for wanting to decrease at the moment is is because you feel like you're getting closer to retirement and you wanna slowly start decreasing. No. No. No. No. I'm like, it it was just No. I'm always reading, and I'm just wondering yeah. I just wanna move a portion 25% or something of the my my into something more defensive, not the whole lot. Okay. Perfect. So with the different risk profiles and stuff that we do, we do there are a lot of different ones, and it's based on, obviously, a percentage of how much is in growth assets versus how much is in defensive assets. So, typically, in your your high growth portfolio, we see 90% in your growth investment, that would typically obviously be your international shares, your Australian shares, property, and commodities. Mhmm. And then you obviously have your defensive as well. So about 10% allocated to that. If we look at reducing it by one step down to a growth portfolio, so still wanting to kind of grow a little bit, but you want a bit more of a defensive approach, we're looking at your eighty twenty split. So 82 growth, 22 defensive. If we go even further down to a balance growth, that we call it, where it's like you still you want a little bit of the growth, but you also want a a a lot higher defensive proportion to your portfolio to limit fluctuations. We're looking typically at a seventy thirty split. Yeah. So I think I'd like to do that for the for the balance of 2026, to be honest. Mhmm. So the 7030 or Yeah. which one? Yeah. Yeah. The 70 Okay. 30. Yep. Okay.","start_word":148,"end_word":531,"sentiment":"neutral","sentiment_score":0.0338479001657106},{"text":"Perfect.","start_word":532,"end_word":532,"sentiment":"positive","sentiment_score":0.45241743326187134},{"text":"Now, obviously, when we do the the the change in the portfolio, so I'll have a look at that for you. When we are making changes, it will mean that we would obviously sell some of your investments, and there will be capital gain tax on some of it. So, typically, we obviously do wanna make sure we have you in the best options possible, but it is more so typically for your long term investment for it to grow. Because if you sell frequently, then you have to pay a lot higher tax. If you've had it for more than twelve months, there is a reduction in the capital Yep. gains I got tax. that. Yep.","start_word":533,"end_word":649,"sentiment":"neutral","sentiment_score":-0.06972526758909225},{"text":"Okay. Perfect. So you were quite happy to look at reducing it to the $70.30 30, and you are aware that, obviously, there will be some capital gains. I will calculate it all for you to obviously try to minimize it as much as we can and that you're comfortable with all that.","start_word":650,"end_word":702,"sentiment":"positive","sentiment_score":0.4836330115795135},{"text":"Yeah. Yeah. I think so. Yep. Okay. I'll I'll do the research and stuff anyway, and then I'll put together a proposal on the seventy thirty split of, obviously, you're wanting to reduce that Yeah. risk allocation. Yeah. If someone could send me what the impact of that would be before pressing the button, that'd be great. Yes.","start_word":703,"end_word":760,"sentiment":"neutral","sentiment_score":0.17187610268592834},{"text":"Definitely.","start_word":761,"end_word":761,"sentiment":"positive","sentiment_score":0.40440523624420166},{"text":"So because, obviously, it is advised that it's tailored through you, I will go under research on the different investments and see if we wanna switch out also some of your growth ones depending on what they are doing, potentially swapping some of them out, and then also shift, obviously, more towards your defensive investment for you. And then I'll put everything together in a statement of advice. I'll run you through all of that. It is quite lengthy in compliance, but also to make sure that you fully understand everything, it will have the tax and the returns and everything like that in there. And then following that, you can then let me know if you are happy to go ahead with the change or if you want to make any alterations or anything like that. Yep. Yep. Does that make sense? Uh-huh. Yep.","start_word":762,"end_word":906,"sentiment":"neutral","sentiment_score":0.20897720754146576},{"text":"Perfect.","start_word":907,"end_word":907,"sentiment":"positive","sentiment_score":0.5117363333702087},{"text":"Now in order for me to to do all that research, I do need to just triple check if there's anything else that's changed with you. So with your income, I have it here at $3.50. Is that correct? Yeah. Yeah. Nothing nothing else has changed. Okay.","start_word":908,"end_word":954,"sentiment":"neutral","sentiment_score":0.09464450925588608},{"text":"Perfect.","start_word":955,"end_word":955,"sentiment":"positive","sentiment_score":0.46025529503822327},{"text":"Let me see here.","start_word":956,"end_word":959,"sentiment":"neutral","sentiment_score":0.17197290062904358},{"text":"And you're happy, obviously, because, obviously, doing all the research on your super, you're happy to just focus on your super, you're happy with your insurances and everything like that?","start_word":960,"end_word":989,"sentiment":"positive","sentiment_score":0.7009052038192749},{"text":"This is literally just the superannuation investments that you would like to focus on right now? Yeah. Yeah. Yep. That's Yes. it. K. Okay.","start_word":990,"end_word":1013,"sentiment":"neutral","sentiment_score":0.255626916885376},{"text":"Perfect.","start_word":1014,"end_word":1014,"sentiment":"positive","sentiment_score":0.47023987770080566},{"text":"Now I'll go and do this research for you. It will take a couple of weeks to get everything together, but as soon Yeah. as I Yeah. do, I'll That give that you that's a call. fine. Yeah. I I just Yep. thought it was a little bit overexposed to the S and P 500. That's all. Okay. Okay. $8,500. And you're still wanting to shift it from growth to defensive, or is it mainly that you feel like you're overexposed in that particular investment? Yeah. I think I've got 30% in that. Mhmm. Yes. You do. Okay. So you wanna shift some from from the growth into defensive and then also making sure as part of that, not having that high of an allocation through the iShares as the p 500. Yep. That's Yeah. all. Okay. Perfect. Now while we are obviously reviewing your superannuation, I do wanna let you know is that have you recently read our newsletter? No. So we've we've recently joined with BlackRock as well to create an SMA. Are you quite do you know what an SMA is? Are you quite familiar with that? No. I'm not. No. So an SMA, it is a self managed account. So it works a little bit different. Still over the investment within superannuation, but it works a little bit different to how your current investment are structured. So at the moment, we have you in what we would call your model portfolio where you log in through Hub twenty four. You can see each and every single one of your investments. And if we want to go and make a change through one of those investments, if that's one that's underperforming or, you know, we wanna make a change, we'll go and do the research. We'll put everything together in a strategy paper for you, present the change, and then you would have to obviously agree through the change. How the SMA works is a little bit different where it is that you invest in a particular portfolio. And then within the portfolio, it is a similar structure to how everything is set up, but you just invested in the portfolio itself. But what it kind of alleviates is that that if we do foresee that we wanna swap out an investment, we can just quickly do it in the back end. We'll let you know of the change, but it's not the same process Uh-huh. of going through the research document and you approving everything before making the change. So it does make it a speedy process, but it does mean slightly less disability for you when it comes to your investment. Do you are you open to something like that if it's going to be good for you, or do you prefer to I'll kind I'll need of have to do that I'll full need work? to do a bit more reading first on that. Okay. Would you like me to factor in that in the research or show you the the options or just keep the normal structure for now? Just just keep the normal structure for now. Yep. Okay.","start_word":1015,"end_word":1540,"sentiment":"neutral","sentiment_score":0.06469091589601547},{"text":"No problem at all.","start_word":1541,"end_word":1544,"sentiment":"positive","sentiment_score":0.3888161480426788},{"text":"Is there anything else, any other questions you have for me or any other requirements or anything you would like me to factor in when I do this research for you, Tim? No? That's it.","start_word":1545,"end_word":1579,"sentiment":"neutral","sentiment_score":0.18721766769886017},{"text":"Alright. Perfect.","start_word":1580,"end_word":1581,"sentiment":"positive","sentiment_score":0.4565826058387756},{"text":"Well, I will let you go. Leave this with me. Like I said, it might take a couple of weeks. But as soon as I have it ready, we'll go through the change, and then you can let me know what you think.","start_word":1582,"end_word":1624,"sentiment":"neutral","sentiment_score":0.18911652232325352},{"text":"Okay. Thank you. No problem at all. We'll speak soon.","start_word":1625,"end_word":1634,"sentiment":"positive","sentiment_score":0.5277074575424194},{"text":"Alright. Bye.","start_word":1635,"end_word":1636,"sentiment":"neutral","sentiment_score":0.2348717898130417}],"average":{"sentiment":"neutral","sentiment_score":0.11612158820086868}}}}