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Let me see if I can turn it up for you. Is that any better? Because I have it on max now. Any better? Okay. I was just trying to talk loudly. I'll just apologize to to my colleagues around me. But if you can't hear me, let me know. Right. Now I had to book in for your under review. You now still a good time for you? Yeah. Perfect. 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. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? Yes. That's the one. Are you happy to keep it with that, or do you wanna change it? Yeah. All good. Now, Ricky, before I do kind of jump into things, I do like to start by asking if there is anything specific that you would like to address or go through today or just a bit of an update and see if we need to make any changes and everything of yeah. Mhmm. Okay. Mhmm. Okay. Amazing. Yeah. And let me see here. So, obviously, Sam have retired. The contract work on this side, does that kind of, like, get you through, obviously, finance wise? Yep. Yep. Yeah. Yeah. Yep. Okay. Perfect. Yeah. Bit of flexibility, which is nice. And so because, obviously, with the current legislation, if it is that you are fully retired, you can access all of your superannuation completely tax free at the age of 60. Or if you are semi retired, so still working, but, obviously, reduced hours and you wanna start drawing a bit of an income, you can do up to 10% under a transition to retirement when you turn 60 as well. From 60. Yeah. So, obviously, not really applicable yet, but when you get there, then we can have a look at, well, what's your situation like. And if you do wanna start drawing a little bit from super or whether the plan is to keep it through '65. I had here before was your ideal retirement, but is that kind of brought forward a little bit? Yep. Yeah. No. I get that. Yeah. Enjoy life. Yeah. No. Totally. Okay. Perfect. And I do have here as well that when you want to start doing an income from super, that about a thousand dollars per week was last time what you kind of said was suitable. Is that still kind of mhmm. Yep. Yes. Yeah. Leave it for now. Okay. Okay. Perfect. Perfect. Now, obviously, because you have stopped working, obviously, you're not getting contributions into super anymore. Are you looking at making contributions yourself or, obviously, just living off savings at the moment, like, not really kind of right now? No. Yeah. No. You you definitely don't have you don't have to. Obviously, putting contributions in will compound and make your super grow, but it's not a requirement that you have to. So if it is that you, you know, don't contribute for a while, that's no problem. Like, it's not gonna cancel or change or anything like that. Correct. Correct. Yes. It'll still be invested. Yeah. Yes. Yes. Correct. Yep. Yeah. Yeah. Yeah. Beautiful. And what I might do as well, because it is good to do every now and then just to do a bit of a check-in. So after the call, if you're happy for me to do so, is that I can go and do just obviously factoring in, let's say, no contributions moving forward until 60. I can even do 65 as well just to show you how things are on track for and where that would kind of leave you come retirement so that you can obviously kind of see, okay. How are things tracking? But it's also a good time to do a bit of an update and reassessing your investment because things obviously have changed quite a bit in the world when you came on board as well. And I do like to have a bit of a look at it now while we are talking about your investments actually. Do you have access to your emails at all there, Katie? If you can if if if not, if you're happy for me to just kind of run through them with you, I'm happy to do that. And then after the call, if it's easier for you to get them up late and have a look at it, that's also perfectly fine. Yes. Yes. Yeah. Sorry. Yes. Correct. Because part of that is if you do click on the link, now it will allow you to open up the documents first before it prompts you to sign anything. Correct. Yes. And then perfect. Now can you see a document first where it says super summary? Yep. Yes. Beautiful. So that shows you here, obviously, you have your Subaru in Hub 24, and you do have about $651,908 in there. And you don't have any insurances otherwise. Yep. Now on the next document, does that say have a '24 performance report? Performance with IRR. Can you see that one? Yep. Beautiful. So that one here actually to breaks down your in investments in a bit more detail. So this one here is a report for the last twelve months. So it kind of shows you how your investments have performed over the last twelve months. Now the last twelve months have been obviously, you probably heard in the news and stuff. We have seen quite a bit of fluctuations in the market with everything that has happened. But in saying that, though, overall, your portfolio has still done really well. So if you scroll down to page two out of two for me, you should see total total portfolio. Yep. Perfect. Now if you look at the second column to the right versus internal rate of return. Can you see that? Yep. Correct. And that is after fees, which is which is really good kind of given, yeah, the market conditions we have had in the last twelve months. So, overall, quite happy with that. Now if you do scroll up again for me to page one where it talks about all individual investments. Now this is one part of the the research as well. To do a bit of an update on your super is what I wanna have a look at, which is the top one where it says Benelong Australian equity. Now if you go to the same column, so the second column to the right where it says internal rate of return again, that is how each of your investments have done. Yep. Yep. Right. The bracket actually means that it's down. So that's why I wanna review that investment for you. Now the other one correct. So the Benelung is underperforming a little bit at the moment, but you can see that, obviously, a lot of your other investments, like, for example, the battery tech and lithium has gone through the roof, which is crazy. I'm 90 one. So yes. So right? Exactly. I mean, I have a hybrid. Sorry. Partly there. Partly there. Yeah. So, obviously, the whole portfolio, it is designed to give you that diversification. So we obviously don't wanna put everything into one option because, yes, sometimes you're gonna, you know, really, really good, but other times, as things fluctuate, it's not gonna be as great. So we wanna obviously make sure we diversify things for you. But at the same time, we do wanna be proactive with the investment. And if we foresee one investment underperforming a little bit and we don't foresee it coming back around, then we wanna look at making changes for you. So not always when an investment is down do we wanna sell out because that also means that you are selling when it's already dropped. But at the same time, if we foresee that there are better options out there that's gonna give you more growth, then we wanna look at alternative options. Now with Bennelong, it has underperformed a little bit, which you can see here. Now Bennelong is structured a little bit different to your other investments in that it is a managed fund. And how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market. And they had done really well in doing so. But as you can see here, the last twelve months, they've been a little bit slower with that. So I would like to have a look at that in a little bit more detail and do a bit of the the math and calculation to see, well, should we swap it for something else, and what will that look like for you if you're happy for me to do so. Yep. Yep. Perfect. And that also kind of then factors in through doing a bit of a you know, seeing how you are on track for super for retirement and everything like that, especially without contribution as that would obviously change from when you came on board because that was factoring in contribution. So it is a good kind of check-in. Now with your investments as well, I'll go through just a quick kind of risk profile questionnaire with you. It is just multiple choice just to make it nice and easy, and there's no right or wrong answer. And it is just to see if we need to make any changes to your risk profile when it comes to your investment. So if it doesn't make sense, let me know. Now, Ricky, have you ever bought direct shares yourself on the stock market? Not yourself. No. Perfect. Now the next question is in regards to how much risk you are willing to take for your superannuation. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Mhmm. Mhmm. Yeah. So the best way actually to have a look at it is is typically how how much of your money is invested in growth assets versus defensive assets. So a good way to actually look at it is if you can go back to the email for me. Now is your next attachment is that a Vanguard index chart? Yes. Okay. Beautiful. Now that one here, it is good because it kinda correlates into it, and it is a good visual representation of what we are talking about when we're talking about the market. Have you ever seen something like this before? Yeah. But, essentially, it kind of shows us a longer period of time. So it shows us the market from 1995 through 2005, and you can obviously see all the ups and downs in the market. When we do look at it historically, market always goes up. The short term, as you can see, there will be some ups and downs and market fluctuations. Now while we are then referring back to level of risk, it's how much goes into what portion. So for example, at the moment, we have you invested in a growth portfolio. So kind of somewhere in the middle where you you you are not defensive. So you're not your balance to balance growth options. You're still working on growth, but you don't have your high growth or aggressive where you see a little bit more. So for growth portfolio, we see 80% of the money invested in your growth assets. Now the growth assets are the top four. So you can see here US shares obviously grow the most, also fluctuates the most as well. You have Australian shares. The next one, again, very similar, international shares and property. And you can see here that these grow the most, this fluctuates the most. So yeah. Whereas you then have 20% in the bottom three. So, like, your cash a gold will also kind of come in here and fixed interest, which kind of level things out a little bit for you. So who's that? Mhmm. Yes. Okay. Mhmm. Yes. Yes. It makes sense. No. It totally makes sense. And that is the other thing we kind of look at. So there are a couple of different components. The first is so there is profile question that gives me an indication on how you would feel in certain situations from, like, a behavioral point of view. But the other thing that comes into play is time frame, like you touch up. So we wanna make sure that you have enough time in the market for this fluctuation. Now as a guideline in a growth portfolio, which is what you are currently, ideally, we'd like to see about six years to retirement. So if you are kind of wanting to start drawing super, some money from super, let's say, in three years or something, if we then move you up through, let's say, a high growth, the minimum, ideally, we'd like to see is eight years. So it does mean that if you went to potentially take some of it out, it could be down at the time. So from a time frame point of view, it could even be more suitable to be more defensive, like your balance growth to be five years. But at the same time, it's also what you are comfortable with. And if you are like, well, I'm not gonna take everything out. I just wanna start drawing a little bit of an income, then that can still be okay. Then, obviously, because your super balance is quite high, which is fantastic, having a couple percent shift, you will feel it more than, obviously, someone with a smaller balance. Yes. Yes. Okay. Yes. Yes. Yes. Mhmm. Yeah. Yeah. Yeah. No. Yeah. Yep. Yes. We do. Yes. We we wanna be proactive. Exact Exactly. No. Definitely. So we do obviously keep an eye on everything for you, but, yeah, also time frame comes in play. So if you are wanting growth and you are comfortable with fluctuations, then growth is pretty suitable where you are at, which is, like I said, it's about a sixty sorry, a six year time frame, and you still have 80% in those top four. So you'll obviously have majority of the money in those areas. If we move to a high group, you'll have 90%, which which could be quite high from from a time frame point of view If you are comfortable with that. Yep. Mhmm. You no. You are definitely not stuck. You definitely can. The only thing is because we are wanting a time frame, because in a high growth portfolio, the the chance of having a negative year during that time frame is a lot higher than, obviously, in a growth portfolio. So we do like to invest more long term. So, often, if I have clients who are like, oh, can I just be aggressive for a year and then change? It's like, yeah. You'd have to be very lucky that during that one year, it's great, but you could also be unlucky that that's the the time is down. Then Exactly. Exactly. So so keep Mhmm. What Super, you can access at 60 completely without a transition to retirement, 67. Even if you wanna keep working, you can still take everything out at 65. 67 is age pension if you're eligible for it. Yep. Correct. Correct. So if you if you completely retire, then you can take everything tax free at 60. Now if you do retire and then in two years later, you decide now retirement life isn't for me, and you go back to work. That's fine. Because at the time of when you are wanting to take the money out, you have ceased employment. And at that time, you are not looking at working. If you want to keep working 65, you can take everything tax free. Between 60 and 65, correct. You can you can work full time and take it all out at 65. But between 60 and sixty five, there are then different strategies you can do to get up to 10% out. Tax free. Yeah. Yep. Or sixty five. 65, you can take everything? Yep. Mhmm. Yep. Mhmm. Yep. Yeah. Yeah. Typically, not. I would say I wouldn't unless you are like, yeah. No. I don't mind. Typically, I would say I wouldn't go aggressive with someone unless they are willing to invest it for ten years just because of those fluctuations. Yeah. To 60 7. Well, let me have a look here. So you said because at the moment, you're 57. Yeah. So ten years time, that will be obviously sixty seven. So then that is pushing it a little bit from a time frame point of view. But at the same time, it's not just about time because it's like, well, it's also if you're willing to take that, then that's fine. Because I I have some people that, you know, 65 and go, oh, yeah. I'm perfectly happy with those fluctuations. Just trying to grow my super, which is fine. And then I also have 20 year olds who go, no. No. No. I want made you majority in defensive. I don't feel comfortable at all. But, basically, just from your reference, in an aggressive portfolio, about one in three years, there's a change a likelihood of a negative return. In a high growth sorry. There is also one in between. So a high growth is one step up from what you are at the moment. It's about one in five years, we see, in a negative. So that might be a little bit more suitable if you are wanting more growth because a high growth, we say about eight years to retirement. So it might fit a little bit more with your time frame, but still increasing because a high growth, 90%. You still have about 10% defensive, but you have 90% in those top four. So majority will go there Because then in a in a balanced growth, we'll see about one sorry. In a growth, you have about one in six years. So if you no. You go. Yep. Yep. Yeah. Yep. Yep. Yep. Mhmm. High growth. So there's so, basically, we have aggressive, then high growth. Growth is where you are right now, and then you have balanced growth and defensive. Now what I can do for you as well, if it's something that you are comfortable seeing a bit of risk, I also wanna make sure that if you don't need to take unnecessary risk, there's no point to doing so. But if you need to increase the risk a little bit and you are comfortable with that in order to kinda get your super to where you want it to be at the time of retirement, then part of the research is I can have a look at both options for you. So I can do one with growth where you are at at the moment with no contributions, reviewing your investments and seeing, okay. Well, if sorry. Did you say about '65 or '67? When do you think realistically? Okay. Yeah. Yep. Okay. Sixty seven. Okay. Perfect. So I'll work with one option. I'll assess because I wanna run all the numbers for you as well. Because if it is that, okay, increasing you a little bit to high even if we do one up to a high growth portfolio and seeing how that's gonna change things for you, if that's gonna make quite a big of a difference then and you are comfortable with it, then I will recommend it. But if at the same time where you are right now in a growth portfolio, if you are still gonna get to your goal of drawing a thousand dollars per week from retirement at 67, if you're already gonna get there with the level of growth the level of risk you are currently with, there might not be a need to increase it. Does that make sense? Yeah. Okay. Yeah. Okay. Good. Yeah. Yeah. Good. Do you wanna grow it? Yes. Yes. Yes. And also with your investments, because a lot of the investments, even though we're talking about growth investments, it's not like we have it in super risky investments. We don't have speculative investments. We we don't invest it in, like, direct shares. So you put everything into the one option. It's still, like, ETFs where it's still very diversified. So it's, like, one investment option is still diversified. You're not putting all the eggs in one basket regardless. So I'll keep that in mind that you're comfortable with with high growth, seeing where that leaves you, and that at least is one step up, slightly bit of that defensive. And then I'll run the numbers for you as well just to see what that would look like. Yep. Mhmm. Yeah. That's okay. Yeah. And because aggressive, typically, we see 100% in growth. There's no defensive at all. So, like, no gold, no no fixed interest or anything like that, typically. Yep. Yep. Yep. Yes. Okay. Alright. I'll have a look at both I'll have a look at a few options for you, and I can show you I'll make a recommendation on what I think. But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well for that. Sorry. That is no problem. Perfect. Now going back to the documents while we're in there for you, the next document you can see, which one is that? Yes, please. Yes. Yep. So that one here, you probably saw when you came on board as well. It is one of those compliance documents. It is it just gives you all the important information regarding us here at o q. So none of the important information has changed since last time, but we've had a bit of an update to our marketing. So some of the photos might look a little bit different, and we've also had a bit of extension to the team, which is good. But if you do wanna scroll through, if you wanna put a face through the voice, which sometimes is nice. Yeah. So sometimes that's nice, obviously, when we're speaking over the phone. So, yep, there I am. You can see the team as well as you kind of scroll through. But like I said, none of the important information has changed otherwise for you. Now the next one there for you, is that your ongoing service agreement? This is a consent to new ongoing Yeah. Beautiful. So that one here, if you're happy to do so, it will ask for your signature. Now what it is, it is to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super only, and it is not a lock in contract. So if at any point in time, you are not happy, it's not a lock in contract. But by signing this, it allows us to service your account and manage your investments and everything for you in the meantime. Yep. Beautiful. Oh, yes. And I think that's the only one it will ask you to sign. Oh, yes. Perfect. Does it say validating? Okay. No. Usually, it'll take a little bit it'll take a little bit just to come through on my end. But while I wait for that to come through, I'll just go through the rest of the fact find to see if there's anything else that's changed that we need to factor into the advice. And, yes, I can see that's come through right now. So that's great. So thank you so much for that, Ricky. Now, otherwise, when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct? Yep. Perfect. And next up, Ken, I have Tony nominated. That's correct as well. Beautiful. Now I don't actually have his phone number listed on file. Would you mind providing that to me? Yep. Double eight. Yep. Zero double five. Yep. 222. Perfect. Thank you so much. It's only just in the event for some reason we cannot get in touch with you at all. It's only then we would we would give him a call. Correct. Yes. Okay. Sorry. What was that? Sorry? Mhmm. Let me triple check. It depends on the type of nomination that you did. Let me triple check on your account. But, yes, I can see that Tony is down at a 100% nominated, which is correct. If something ever woulda happened to you, it will a 100% go to him. And because he is your spouse, it will be tax free, which is great. Now in terms of actually come how often you have to complete it, it depends on which nomination you actually made. So, yes, you did a lapsing nomination, which does mean that every three years, you have to complete it. So, normally, we would touch base with you to say, hey. It's expired or expiring. Do you wanna renew it? So the expiry date, Yes. You yes. Yes. So you can change it to a non lapsing, which means it stays in place until you decide to change it. Yes. You do, unfortunately, because it is changing a legal nomination. I can get the form prefilled for you. So, obviously, prefilled Tony's information, change it to nonlapsing binding. Do you have access to a printer, or do you prefer post? Do you wanna try? Okay. Okay. Let me know, and we'll get it. Yep. Beautiful. So what I'll do then is I will get the team to email that to you. We'll prefill it to make it nice and easy. You just need to print it off, get it witnessed by two people, and then you could just scan it and send it back, and I'll upload that to Hub 24, and that will then stay in place. You don't even have to keep an eye on time frames or anything like that. It's just, obviously, if your situation ever change, just let us know. Yep. Beautiful. That's what most people do as well just so they don't have to have to remember it just in case. So we will get that updated. Otherwise, let me see here. Expenses and savings per week was obviously probably a little bit different for you to what it used to be. Are you do you know roughly, like, your total bills and expenses and stuff per week or month or fortnightly? I'm not sure. No. That's all good. Yeah. Mhmm. And then you read your stew and everything. That's all good. Yeah. Oh, that's fine. Yeah. Yes. Yeah. Yeah. Yeah. No. That's fine. It it it's like that for most people as well, especially nowadays. Yeah. Yep. Always. Yes. No. That is totally fine. Assets and liabilities wise. Sorry. I have here that you own two motor vehicles, both valued at about 15,000. Is that correct? Okay. Yes. Beautiful. And how much would that one be worth, would you say? 85. Perfect. And anything owing on it? No. Perfect. Yep. Now any other assets? Do you property, motor vehicles, motorbike? Oh, yeah. Okay. Yep. Yes. Oh, beautiful. And no rent, which is nice. Now any other, like, savings in the bank or motorbikes or boats or anything else? Yep. Oh, yeah. Perfect. And any other liabilities? Like, any other personal loans, credit cards, ZipPay? Mhmm. Oh, yeah. Just, like, points and stuff. Oh, yeah. Perfect. Oh, that's fine then. Yep. Yep. A lot of people do that as well, especially, like, accumulating points and different things. Yeah. Not too bad. Oh, yay. Where do you guys have a holiday plans coming up? Oh, beautiful. Oh, Dallas. Oh, that'll be the best. Oh, that's really good. Yeah. Do you yeah. And how's the lifestyle wise? So have you done it as a nonsmoker? Is that still the case? Yeah. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months or everything's going good? No. Beautiful. And do you have private health insurance? No. That's all good. And estate planning, obviously, we've already touched on your beneficiaries for super, but do you have a will or power of attorney or anything else in place? Oh, great. Perfect. And do you know if you made a, nomination for power of attorney at the same time as part of the will? Do you know? Not sure? No? Power of attorney. Yeah. Sorry. Like, obviously, someone who makes financial decisions or medical decisions if you're ever unable to do so. Okay. No. That's all good. But you don't have anyone who makes any financial decisions on your behalf otherwise? No. Yeah. Yeah. That's nice. And the last thing here, otherwise, Ricky, it's just some other goals. So if there's anything else that you are working towards or that you are wanting to achieve in the next couple of years. So, obviously, you have the holiday coming up, but do you have any other kind of financial or nonfinancial goals that you guys are working towards? Mhmm. Mhmm. Mhmm. Yeah. Yeah. Yeah. Oh, that's beautiful. No. No. Not at all. Yeah. No. Very, very good situation. Beautiful. Well, is there any other questions or anything else you have for me, Ritchie, before I let you go and enjoy the rest of your evening otherwise? Not so good. Yeah. Yeah. So I'll actually book in an appointment with you because I would like to go through it with you over the phone because there's quite a bit of information. I will send you the document anyway so that you can take it away and have a read over it. Now when is a good time for you? It will take me about a week and a half to put it all together. Oh, yes. Perfect. Let yeah. I could probably do the week before if you needed to. You easy? Okay. Yeah. That's very kind of you. Yeah. Often people are like, no. I want it tomorrow, and you're giving them more time. I like it. No. Easy. Okay. Let me have a look here. Works. Okay. Let me have a look. I could do Tuesday the thirtieth or Wednesday the first. I could do either. Does morning, afternoon typically work best for you? Afternoon? Okay. So I could do 04:00, birthday, so Tuesday the thirtieth or Wednesday the first. Yep. Wednesday the first. 04:00. Yeah. Four PM, if that works. Yep. Perfect. Now if anything does change and you have something coming up and you can't make it, just send me an email or or give the office a call, and we can always get that rescheduled. But, otherwise, that is booked in on Wednesday, July 1, which was crazy, at four PM 4PM. Oh, yes. Oh, I appreciate that very much. I should have it ready by then, but I will I will let you know. But I appreciate you being so accommodating. And, yeah, I look forward to speaking with you then. But if there's anything that changes or you need anything else from me in the meantime, don't hesitate to give me a call. Okay? No problem at all. We'll speak then. You too. 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afternoon, Ricky. This is Veronica from Oakview Financial. How are you? Yeah. Veronica from Oakview Financial?\n\nYeah. Good. Thanks. How are you, Ricky? Let me see if I can turn it up for you.\n\nIs that any better? Because I have it on max now. Any better? Okay. I was just trying to talk loudly.\n\nI'll just apologize to to my colleagues around me. But if you can't hear me, let me know. Right. Now I had to book in for your under review. You now still a good time for you?\n\nYeah. Perfect. 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. Perfect. And just to confirm I am speaking with the right person, I do have a password on file.\n\nDo you know what that might be? Yes. That's the one. Are you happy to keep it with that, or do you wanna change it? Yeah.\n\nAll good. Now, Ricky, before I do kind of jump into things, I do like to start by asking if there is anything specific that you would like to address or go through today or just a bit of an update and see if we need to make any changes and everything of yeah. Mhmm. Okay. Mhmm.\n\nOkay. Amazing. Yeah. And let me see here. So, obviously, Sam have retired.\n\nThe contract work on this side, does that kind of, like, get you through, obviously, finance wise? Yep. Yep. Yeah. Yeah.\n\nYep. Okay. Perfect. Yeah. Bit of flexibility, which is nice.\n\nAnd so because, obviously, with the current legislation, if it is that you are fully retired, you can access all of your superannuation completely tax free at the age of 60. Or if you are semi retired, so still working, but, obviously, reduced hours and you wanna start drawing a bit of an income, you can do up to 10% under a transition to retirement when you turn 60 as well. From 60. Yeah. So, obviously, not really applicable yet, but when you get there, then we can have a look at, well, what's your situation like.\n\nAnd if you do wanna start drawing a little bit from super or whether the plan is to keep it through '65. I had here before was your ideal retirement, but is that kind of brought forward a little bit? Yep. Yeah. No.\n\nI get that. Yeah. Enjoy life. Yeah. No.\n\nTotally. Okay. Perfect. And I do have here as well that when you want to start doing an income from super, that about a thousand dollars per week was last time what you kind of said was suitable. Is that still kind of mhmm.\n\nYep. Yes. Yeah. Leave it for now. Okay.\n\nOkay. Perfect. Perfect. Now, obviously, because you have stopped working, obviously, you're not getting contributions into super anymore. Are you looking at making contributions yourself or, obviously, just living off savings at the moment, like, not really kind of right now?\n\nNo. Yeah. No. You you definitely don't have you don't have to. Obviously, putting contributions in will compound and make your super grow, but it's not a requirement that you have to.\n\nSo if it is that you, you know, don't contribute for a while, that's no problem. Like, it's not gonna cancel or change or anything like that. Correct. Correct. Yes.\n\nIt'll still be invested. Yeah. Yes. Yes. Correct.\n\nYep. Yeah. Yeah. Yeah. Beautiful.\n\nAnd what I might do as well, because it is good to do every now and then just to do a bit of a check-in. So after the call, if you're happy for me to do so, is that I can go and do just obviously factoring in, let's say, no contributions moving forward until 60. I can even do 65 as well just to show you how things are on track for and where that would kind of leave you come retirement so that you can obviously kind of see, okay. How are things tracking? But it's also a good time to do a bit of an update and reassessing your investment because things obviously have changed quite a bit in the world when you came on board as well.\n\nAnd I do like to have a bit of a look at it now while we are talking about your investments actually. Do you have access to your emails at all there, Katie? If you can if if if not, if you're happy for me to just kind of run through them with you, I'm happy to do that. And then after the call, if it's easier for you to get them up late and have a look at it, that's also perfectly fine. Yes.\n\nYes. Yeah. Sorry. Yes. Correct.\n\nBecause part of that is if you do click on the link, now it will allow you to open up the documents first before it prompts you to sign anything. Correct. Yes. And then perfect. Now can you see a document first where it says super summary?\n\nYep. Yes. Beautiful. So that shows you here, obviously, you have your Subaru in Hub 24, and you do have about $651,908 in there. And you don't have any insurances otherwise.\n\nYep. Now on the next document, does that say have a '24 performance report? Performance with IRR. Can you see that one? Yep.\n\nBeautiful. So that one here actually to breaks down your in investments in a bit more detail. So this one here is a report for the last twelve months. So it kind of shows you how your investments have performed over the last twelve months. Now the last twelve months have been obviously, you probably heard in the news and stuff.\n\nWe have seen quite a bit of fluctuations in the market with everything that has happened. But in saying that, though, overall, your portfolio has still done really well. So if you scroll down to page two out of two for me, you should see total total portfolio. Yep. Perfect.\n\nNow if you look at the second column to the right versus internal rate of return. Can you see that? Yep. Correct. And that is after fees, which is which is really good kind of given, yeah, the market conditions we have had in the last twelve months.\n\nSo, overall, quite happy with that. Now if you do scroll up again for me to page one where it talks about all individual investments. Now this is one part of the the research as well. To do a bit of an update on your super is what I wanna have a look at, which is the top one where it says Benelong Australian equity. Now if you go to the same column, so the second column to the right where it says internal rate of return again, that is how each of your investments have done.\n\nYep. Yep. Right. The bracket actually means that it's down. So that's why I wanna review that investment for you.\n\nNow the other one correct. So the Benelung is underperforming a little bit at the moment, but you can see that, obviously, a lot of your other investments, like, for example, the battery tech and lithium has gone through the roof, which is crazy. I'm 90 one. So yes. So right?\n\nExactly. I mean, I have a hybrid. Sorry. Partly there. Partly there.\n\nYeah. So, obviously, the whole portfolio, it is designed to give you that diversification. So we obviously don't wanna put everything into one option because, yes, sometimes you're gonna, you know, really, really good, but other times, as things fluctuate, it's not gonna be as great. So we wanna obviously make sure we diversify things for you. But at the same time, we do wanna be proactive with the investment.\n\nAnd if we foresee one investment underperforming a little bit and we don't foresee it coming back around, then we wanna look at making changes for you. So not always when an investment is down do we wanna sell out because that also means that you are selling when it's already dropped. But at the same time, if we foresee that there are better options out there that's gonna give you more growth, then we wanna look at alternative options. Now with Bennelong, it has underperformed a little bit, which you can see here. Now Bennelong is structured a little bit different to your other investments in that it is a managed fund.\n\nAnd how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market. And they had done really well in doing so. But as you can see here, the last twelve months, they've been a little bit slower with that. So I would like to have a look at that in a little bit more detail and do a bit of the the math and calculation to see, well, should we swap it for something else, and what will that look like for you if you're happy for me to do so. Yep.\n\nYep. Perfect. And that also kind of then factors in through doing a bit of a you know, seeing how you are on track for super for retirement and everything like that, especially without contribution as that would obviously change from when you came on board because that was factoring in contribution. So it is a good kind of check-in. Now with your investments as well, I'll go through just a quick kind of risk profile questionnaire with you.\n\nIt is just multiple choice just to make it nice and easy, and there's no right or wrong answer. And it is just to see if we need to make any changes to your risk profile when it comes to your investment. So if it doesn't make sense, let me know. Now, Ricky, have you ever bought direct shares yourself on the stock market? Not yourself.\n\nNo. Perfect. Now the next question is in regards to how much risk you are willing to take for your superannuation. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Mhmm.\n\nMhmm. Yeah. So the best way actually to have a look at it is is typically how how much of your money is invested in growth assets versus defensive assets. So a good way to actually look at it is if you can go back to the email for me. Now is your next attachment is that a Vanguard index chart?\n\nYes. Okay. Beautiful. Now that one here, it is good because it kinda correlates into it, and it is a good visual representation of what we are talking about when we're talking about the market. Have you ever seen something like this before?\n\nYeah. But, essentially, it kind of shows us a longer period of time. So it shows us the market from 1995 through 2005, and you can obviously see all the ups and downs in the market. When we do look at it historically, market always goes up. The short term, as you can see, there will be some ups and downs and market fluctuations.\n\nNow while we are then referring back to level of risk, it's how much goes into what portion. So for example, at the moment, we have you invested in a growth portfolio. So kind of somewhere in the middle where you you you are not defensive. So you're not your balance to balance growth options. You're still working on growth, but you don't have your high growth or aggressive where you see a little bit more.\n\nSo for growth portfolio, we see 80% of the money invested in your growth assets. Now the growth assets are the top four. So you can see here US shares obviously grow the most, also fluctuates the most as well. You have Australian shares. The next one, again, very similar, international shares and property.\n\nAnd you can see here that these grow the most, this fluctuates the most. So yeah. Whereas you then have 20% in the bottom three. So, like, your cash a gold will also kind of come in here and fixed interest, which kind of level things out a little bit for you. So who's that?\n\nMhmm. Yes. Okay. Mhmm. Yes.\n\nYes. It makes sense. No. It totally makes sense. And that is the other thing we kind of look at.\n\nSo there are a couple of different components. The first is so there is profile question that gives me an indication on how you would feel in certain situations from, like, a behavioral point of view. But the other thing that comes into play is time frame, like you touch up. So we wanna make sure that you have enough time in the market for this fluctuation. Now as a guideline in a growth portfolio, which is what you are currently, ideally, we'd like to see about six years to retirement.\n\nSo if you are kind of wanting to start drawing super, some money from super, let's say, in three years or something, if we then move you up through, let's say, a high growth, the minimum, ideally, we'd like to see is eight years. So it does mean that if you went to potentially take some of it out, it could be down at the time. So from a time frame point of view, it could even be more suitable to be more defensive, like your balance growth to be five years. But at the same time, it's also what you are comfortable with. And if you are like, well, I'm not gonna take everything out.\n\nI just wanna start drawing a little bit of an income, then that can still be okay. Then, obviously, because your super balance is quite high, which is fantastic, having a couple percent shift, you will feel it more than, obviously, someone with a smaller balance. Yes. Yes. Okay.\n\nYes. Yes. Yes. Mhmm. Yeah.\n\nYeah. Yeah. No. Yeah. Yep.\n\nYes. We do. Yes. We we wanna be proactive. Exact Exactly.\n\nNo. Definitely. So we do obviously keep an eye on everything for you, but, yeah, also time frame comes in play. So if you are wanting growth and you are comfortable with fluctuations, then growth is pretty suitable where you are at, which is, like I said, it's about a sixty sorry, a six year time frame, and you still have 80% in those top four. So you'll obviously have majority of the money in those areas.\n\nIf we move to a high group, you'll have 90%, which which could be quite high from from a time frame point of view If you are comfortable with that. Yep. Mhmm. You no. You are definitely not stuck.\n\nYou definitely can. The only thing is because we are wanting a time frame, because in a high growth portfolio, the the chance of having a negative year during that time frame is a lot higher than, obviously, in a growth portfolio. So we do like to invest more long term. So, often, if I have clients who are like, oh, can I just be aggressive for a year and then change? It's like, yeah.\n\nYou'd have to be very lucky that during that one year, it's great, but you could also be unlucky that that's the the time is down. Then Exactly. Exactly. So so keep Mhmm. What Super, you can access at 60 completely without a transition to retirement, 67.\n\nEven if you wanna keep working, you can still take everything out at 65. 67 is age pension if you're eligible for it. Yep. Correct. Correct.\n\nSo if you if you completely retire, then you can take everything tax free at 60. Now if you do retire and then in two years later, you decide now retirement life isn't for me, and you go back to work. That's fine. Because at the time of when you are wanting to take the money out, you have ceased employment. And at that time, you are not looking at working.\n\nIf you want to keep working 65, you can take everything tax free. Between 60 and 65, correct. You can you can work full time and take it all out at 65. But between 60 and sixty five, there are then different strategies you can do to get up to 10% out. Tax free.\n\nYeah. Yep. Or sixty five. 65, you can take everything? Yep.\n\nMhmm. Yep. Mhmm. Yep. Yeah.\n\nYeah. Typically, not. I would say I wouldn't unless you are like, yeah. No. I don't mind.\n\nTypically, I would say I wouldn't go aggressive with someone unless they are willing to invest it for ten years just because of those fluctuations. Yeah. To 60 7. Well, let me have a look here. So you said because at the moment, you're 57.\n\nYeah. So ten years time, that will be obviously sixty seven. So then that is pushing it a little bit from a time frame point of view. But at the same time, it's not just about time because it's like, well, it's also if you're willing to take that, then that's fine. Because I I have some people that, you know, 65 and go, oh, yeah.\n\nI'm perfectly happy with those fluctuations. Just trying to grow my super, which is fine. And then I also have 20 year olds who go, no. No. No.\n\nI want made you majority in defensive. I don't feel comfortable at all. But, basically, just from your reference, in an aggressive portfolio, about one in three years, there's a change a likelihood of a negative return. In a high growth sorry. There is also one in between.\n\nSo a high growth is one step up from what you are at the moment. It's about one in five years, we see, in a negative. So that might be a little bit more suitable if you are wanting more growth because a high growth, we say about eight years to retirement. So it might fit a little bit more with your time frame, but still increasing because a high growth, 90%. You still have about 10% defensive, but you have 90% in those top four.\n\nSo majority will go there Because then in a in a balanced growth, we'll see about one sorry. In a growth, you have about one in six years. So if you no. You go. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nMhmm. High growth. So there's so, basically, we have aggressive, then high growth. Growth is where you are right now, and then you have balanced growth and defensive. Now what I can do for you as well, if it's something that you are comfortable seeing a bit of risk, I also wanna make sure that if you don't need to take unnecessary risk, there's no point to doing so.\n\nBut if you need to increase the risk a little bit and you are comfortable with that in order to kinda get your super to where you want it to be at the time of retirement, then part of the research is I can have a look at both options for you. So I can do one with growth where you are at at the moment with no contributions, reviewing your investments and seeing, okay. Well, if sorry. Did you say about '65 or '67? When do you think realistically?\n\nOkay. Yeah. Yep. Okay. Sixty seven.\n\nOkay. Perfect. So I'll work with one option. I'll assess because I wanna run all the numbers for you as well. Because if it is that, okay, increasing you a little bit to high even if we do one up to a high growth portfolio and seeing how that's gonna change things for you, if that's gonna make quite a big of a difference then and you are comfortable with it, then I will recommend it.\n\nBut if at the same time where you are right now in a growth portfolio, if you are still gonna get to your goal of drawing a thousand dollars per week from retirement at 67, if you're already gonna get there with the level of growth the level of risk you are currently with, there might not be a need to increase it. Does that make sense? Yeah. Okay. Yeah.\n\nOkay. Good. Yeah. Yeah. Good.\n\nDo you wanna grow it? Yes. Yes. Yes. And also with your investments, because a lot of the investments, even though we're talking about growth investments, it's not like we have it in super risky investments.\n\nWe don't have speculative investments. We we don't invest it in, like, direct shares. So you put everything into the one option. It's still, like, ETFs where it's still very diversified. So it's, like, one investment option is still diversified.\n\nYou're not putting all the eggs in one basket regardless. So I'll keep that in mind that you're comfortable with with high growth, seeing where that leaves you, and that at least is one step up, slightly bit of that defensive. And then I'll run the numbers for you as well just to see what that would look like. Yep. Mhmm.\n\nYeah. That's okay. Yeah. And because aggressive, typically, we see 100% in growth. There's no defensive at all.\n\nSo, like, no gold, no no fixed interest or anything like that, typically. Yep. Yep. Yep. Yes.\n\nOkay. Alright. I'll have a look at both I'll have a look at a few options for you, and I can show you I'll make a recommendation on what I think. But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well for that. Sorry.\n\nThat is no problem. Perfect. Now going back to the documents while we're in there for you, the next document you can see, which one is that? Yes, please. Yes.\n\nYep. So that one here, you probably saw when you came on board as well. It is one of those compliance documents. It is it just gives you all the important information regarding us here at o q. So none of the important information has changed since last time, but we've had a bit of an update to our marketing.\n\nSo some of the photos might look a little bit different, and we've also had a bit of extension to the team, which is good. But if you do wanna scroll through, if you wanna put a face through the voice, which sometimes is nice. Yeah. So sometimes that's nice, obviously, when we're speaking over the phone. So, yep, there I am.\n\nYou can see the team as well as you kind of scroll through. But like I said, none of the important information has changed otherwise for you. Now the next one there for you, is that your ongoing service agreement? This is a consent to new ongoing Yeah. Beautiful.\n\nSo that one here, if you're happy to do so, it will ask for your signature. Now what it is, it is to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from super only, and it is not a lock in contract. So if at any point in time, you are not happy, it's not a lock in contract.\n\nBut by signing this, it allows us to service your account and manage your investments and everything for you in the meantime. Yep. Beautiful. Oh, yes. And I think that's the only one it will ask you to sign.\n\nOh, yes. Perfect. Does it say validating? Okay. No.\n\nUsually, it'll take a little bit it'll take a little bit just to come through on my end. But while I wait for that to come through, I'll just go through the rest of the fact find to see if there's anything else that's changed that we need to factor into the advice. And, yes, I can see that's come through right now. So that's great. So thank you so much for that, Ricky.\n\nNow, otherwise, when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct? Yep. Perfect. And next up, Ken, I have Tony nominated.\n\nThat's correct as well. Beautiful. Now I don't actually have his phone number listed on file. Would you mind providing that to me? Yep.\n\nDouble eight. Yep. Zero double five. Yep. 222.\n\nPerfect. Thank you so much. It's only just in the event for some reason we cannot get in touch with you at all. It's only then we would we would give him a call. Correct.\n\nYes. Okay. Sorry. What was that? Sorry?\n\nMhmm. Let me triple check. It depends on the type of nomination that you did. Let me triple check on your account. But, yes, I can see that Tony is down at a 100% nominated, which is correct.\n\nIf something ever woulda happened to you, it will a 100% go to him. And because he is your spouse, it will be tax free, which is great. Now in terms of actually come how often you have to complete it, it depends on which nomination you actually made. So, yes, you did a lapsing nomination, which does mean that every three years, you have to complete it. So, normally, we would touch base with you to say, hey.\n\nIt's expired or expiring. Do you wanna renew it? So the expiry date, Yes. You yes. Yes.\n\nSo you can change it to a non lapsing, which means it stays in place until you decide to change it. Yes. You do, unfortunately, because it is changing a legal nomination. I can get the form prefilled for you. So, obviously, prefilled Tony's information, change it to nonlapsing binding.\n\nDo you have access to a printer, or do you prefer post? Do you wanna try? Okay. Okay. Let me know, and we'll get it.\n\nYep. Beautiful. So what I'll do then is I will get the team to email that to you. We'll prefill it to make it nice and easy. You just need to print it off, get it witnessed by two people, and then you could just scan it and send it back, and I'll upload that to Hub 24, and that will then stay in place.\n\nYou don't even have to keep an eye on time frames or anything like that. It's just, obviously, if your situation ever change, just let us know. Yep. Beautiful. That's what most people do as well just so they don't have to have to remember it just in case.\n\nSo we will get that updated. Otherwise, let me see here. Expenses and savings per week was obviously probably a little bit different for you to what it used to be. Are you do you know roughly, like, your total bills and expenses and stuff per week or month or fortnightly? I'm not sure.\n\nNo. That's all good. Yeah. Mhmm. And then you read your stew and everything.\n\nThat's all good. Yeah. Oh, that's fine. Yeah. Yes.\n\nYeah. Yeah. Yeah. No. That's fine.\n\nIt it it's like that for most people as well, especially nowadays. Yeah. Yep. Always. Yes.\n\nNo. That is totally fine. Assets and liabilities wise. Sorry. I have here that you own two motor vehicles, both valued at about 15,000.\n\nIs that correct? Okay. Yes. Beautiful. And how much would that one be worth, would you say?\n\n85. Perfect. And anything owing on it? No. Perfect.\n\nYep. Now any other assets? Do you property, motor vehicles, motorbike? Oh, yeah. Okay.\n\nYep. Yes. Oh, beautiful. And no rent, which is nice. Now any other, like, savings in the bank or motorbikes or boats or anything else?\n\nYep. Oh, yeah. Perfect. And any other liabilities? Like, any other personal loans, credit cards, ZipPay?\n\nMhmm. Oh, yeah. Just, like, points and stuff. Oh, yeah. Perfect.\n\nOh, that's fine then. Yep. Yep. A lot of people do that as well, especially, like, accumulating points and different things. Yeah.\n\nNot too bad. Oh, yay. Where do you guys have a holiday plans coming up? Oh, beautiful. Oh, Dallas.\n\nOh, that'll be the best. Oh, that's really good. Yeah. Do you yeah. And how's the lifestyle wise?\n\nSo have you done it as a nonsmoker? Is that still the case? Yeah. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months or everything's going good?\n\nNo. Beautiful. And do you have private health insurance? No. That's all good.\n\nAnd estate planning, obviously, we've already touched on your beneficiaries for super, but do you have a will or power of attorney or anything else in place? Oh, great. Perfect. And do you know if you made a, nomination for power of attorney at the same time as part of the will? Do you know?\n\nNot sure? No? Power of attorney. Yeah. Sorry.\n\nLike, obviously, someone who makes financial decisions or medical decisions if you're ever unable to do so. Okay. No. That's all good. But you don't have anyone who makes any financial decisions on your behalf otherwise?\n\nNo. Yeah. Yeah. That's nice. And the last thing here, otherwise, Ricky, it's just some other goals.\n\nSo if there's anything else that you are working towards or that you are wanting to achieve in the next couple of years. So, obviously, you have the holiday coming up, but do you have any other kind of financial or nonfinancial goals that you guys are working towards? Mhmm. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. Oh, that's beautiful. No.\n\nNo. Not at all. Yeah. No. Very, very good situation.\n\nBeautiful. Well, is there any other questions or anything else you have for me, Ritchie, before I let you go and enjoy the rest of your evening otherwise? Not so good. Yeah. Yeah.\n\nSo I'll actually book in an appointment with you because I would like to go through it with you over the phone because there's quite a bit of information. I will send you the document anyway so that you can take it away and have a read over it. Now when is a good time for you? It will take me about a week and a half to put it all together. Oh, yes.\n\nPerfect. Let yeah. I could probably do the week before if you needed to. You easy? Okay.\n\nYeah. That's very kind of you. Yeah. Often people are like, no. I want it tomorrow, and you're giving them more time.\n\nI like it. No. Easy. Okay. Let me have a look here.\n\nWorks. Okay. Let me have a look. I could do Tuesday the thirtieth or Wednesday the first. I could do either.\n\nDoes morning, afternoon typically work best for you? Afternoon? Okay. So I could do 04:00, birthday, so Tuesday the thirtieth or Wednesday the first. Yep.\n\nWednesday the first. 04:00. Yeah. Four PM, if that works. Yep.\n\nPerfect. Now if anything does change and you have something coming up and you can't make it, just send me an email or or give the office a call, and we can always get that rescheduled. But, otherwise, that is booked in on Wednesday, July 1, which was crazy, at four PM 4PM. Oh, yes. Oh, I appreciate that very much.\n\nI should have it ready by then, but I will I will let you know. But I appreciate you being so accommodating. And, yeah, I look forward to speaking with you then. But if there's anything that changes or you need anything else from me in the meantime, don't hesitate to give me a call. Okay?\n\nNo problem at all. We'll speak then. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ricky.","start":1.5999999,"end":2.56,"sentiment":"positive","sentiment_score":0.33847856521606445},{"text":"This is Veronica from Oakview Financial.","start":2.56,"end":4.42,"sentiment":"neutral","sentiment_score":0.19300315280755362},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.18792436023553213},{"text":"Yeah.","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.03693482652306557},{"text":"Veronica from Oakview Financial?","start":8.08,"end":10.179999,"sentiment":"neutral","sentiment_score":0.03153752442449331}],"sentiment":"neutral","sentiment_score":0.1706066245541853,"num_words":17,"start":1.5999999,"end":10.179999},{"sentences":[{"text":"Yeah.","start":12.415,"end":12.655001,"sentiment":"neutral","sentiment_score":0.20660430192947388},{"text":"Good.","start":12.655001,"end":12.895,"sentiment":"positive","sentiment_score":0.4896332621574402},{"text":"Thanks.","start":12.895,"end":13.135,"sentiment":"positive","sentiment_score":0.5368143916130066},{"text":"How are you, Ricky?","start":13.135,"end":14.115,"sentiment":"positive","sentiment_score":0.34681592136621475},{"text":"Let me see if I can turn it up for you.","start":18.895,"end":21.235,"sentiment":"neutral","sentiment_score":-0.018639868463982235}],"sentiment":"neutral","sentiment_score":0.13418206044783196,"num_words":18,"start":12.415,"end":21.235},{"sentences":[{"text":"Is that any better?","start":24.91,"end":25.79,"sentiment":"neutral","sentiment_score":-0.011838880367577076},{"text":"Because I have it on max now.","start":25.79,"end":27.490002,"sentiment":"neutral","sentiment_score":0.012132751888462476},{"text":"Any better?","start":27.79,"end":28.53,"sentiment":"neutral","sentiment_score":0.04608495160937309},{"text":"Okay.","start":30.67,"end":31.07,"sentiment":"neutral","sentiment_score":0.008487580344080925},{"text":"I was just trying to talk loudly.","start":31.07,"end":32.43,"sentiment":"neutral","sentiment_score":-0.05002443492412567}],"sentiment":"neutral","sentiment_score":-0.010092372340815408,"num_words":21,"start":24.91,"end":32.43},{"sentences":[{"text":"I'll just apologize to to my colleagues around me.","start":32.43,"end":35.17,"sentiment":"neutral","sentiment_score":-0.09568006959226397},{"text":"But if you can't hear me, let me know.","start":35.31,"end":37.65,"sentiment":"neutral","sentiment_score":-0.03572594705555174},{"text":"Right.","start":40.555,"end":41.055,"sentiment":"neutral","sentiment_score":0.04306882992386818},{"text":"Now I had to book in for your under review.","start":42.395,"end":44.635,"sentiment":"neutral","sentiment_score":0.04903481435030699},{"text":"You now still a good time for you?","start":44.635,"end":46.575,"sentiment":"neutral","sentiment_score":0.1456483555957675}],"sentiment":"neutral","sentiment_score":0.013944585631425315,"num_words":37,"start":32.43,"end":46.575},{"sentences":[{"text":"Yeah.","start":47.515,"end":48.015,"sentiment":"neutral","sentiment_score":0.1175781637430191},{"text":"Perfect.","start":49.195,"end":49.695,"sentiment":"positive","sentiment_score":0.35754168033599854},{"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":50.075,"end":57.54,"sentiment":"neutral","sentiment_score":0.03283078281273102},{"text":"Perfect.","start":59.600002,"end":60.100002,"sentiment":"neutral","sentiment_score":0.2181542217731476},{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":60.24,"end":64.56,"sentiment":"neutral","sentiment_score":0.06107475401626693}],"sentiment":"neutral","sentiment_score":0.05489424679428339,"num_words":50,"start":47.515,"end":64.56},{"sentences":[{"text":"Do you know what that might be?","start":64.56,"end":66.18,"sentiment":"neutral","sentiment_score":0.01437534684581416},{"text":"Yes.","start":71.025,"end":71.424995,"sentiment":"neutral","sentiment_score":0.021303104236721992},{"text":"That's the one.","start":71.424995,"end":72.405,"sentiment":"neutral","sentiment_score":0.01831877635171016},{"text":"Are you happy to keep it with that, or do you wanna change it?","start":73.265,"end":76.645,"sentiment":"neutral","sentiment_score":0.09148037885980946},{"text":"Yeah.","start":77.104996,"end":77.604996,"sentiment":"neutral","sentiment_score":0.030099812895059586}],"sentiment":"neutral","sentiment_score":0.05721969146711322,"num_words":26,"start":64.56,"end":77.604996},{"sentences":[{"text":"All good.","start":79.439995,"end":80.18,"sentiment":"neutral","sentiment_score":0.2952359691262245},{"text":"Now, Ricky, before I do kind of jump into things, I do like to start by asking if there is anything specific that you would like to address or go through today or just a bit of an update and see if we need to make any changes and everything of yeah.","start":81.36,"end":97.215004,"sentiment":"neutral","sentiment_score":0.03887859062076761},{"text":"Mhmm.","start":100.795006,"end":101.295006,"sentiment":"neutral","sentiment_score":-0.013311577960848808},{"text":"Okay.","start":106.57,"end":107.07,"sentiment":"neutral","sentiment_score":-0.01929152011871338},{"text":"Mhmm.","start":113.130005,"end":113.630005,"sentiment":"neutral","sentiment_score":-0.1222410723567009}],"sentiment":"neutral","sentiment_score":0.04311078035256319,"num_words":57,"start":79.439995,"end":113.630005},{"sentences":[{"text":"Okay.","start":119.465004,"end":119.965004,"sentiment":"neutral","sentiment_score":0.06087004765868187},{"text":"Amazing.","start":124.265,"end":124.765,"sentiment":"positive","sentiment_score":0.48319774866104126},{"text":"Yeah.","start":125.865005,"end":126.365005,"sentiment":"neutral","sentiment_score":0.13321256637573242},{"text":"And let me see here.","start":127.145004,"end":130.6,"sentiment":"neutral","sentiment_score":0.1026824250817299},{"text":"So, obviously, Sam have retired.","start":130.6,"end":132.38,"sentiment":"neutral","sentiment_score":0.06583162099123001}],"sentiment":"neutral","sentiment_score":0.11691158408155808,"num_words":13,"start":119.465004,"end":132.38},{"sentences":[{"text":"The contract work on this side, does that kind of, like, get you through, obviously, finance wise?","start":134.52,"end":139.66,"sentiment":"neutral","sentiment_score":0.08276385857778437},{"text":"Yep.","start":143.895,"end":144.395,"sentiment":"neutral","sentiment_score":0.14036524295806885},{"text":"Yep.","start":150.295,"end":150.455,"sentiment":"neutral","sentiment_score":0.05396237224340439},{"text":"Yeah.","start":150.455,"end":150.955,"sentiment":"neutral","sentiment_score":0.03752548992633819},{"text":"Yeah.","start":156.03,"end":156.53,"sentiment":"neutral","sentiment_score":0.21461553871631625}],"sentiment":"neutral","sentiment_score":0.08825972569840294,"num_words":21,"start":134.52,"end":156.53},{"sentences":[{"text":"Yep.","start":160.35,"end":160.85,"sentiment":"neutral","sentiment_score":0.224202424287796},{"text":"Okay.","start":169.325,"end":169.825,"sentiment":"neutral","sentiment_score":0.1457391083240509},{"text":"Perfect.","start":170.125,"end":170.625,"sentiment":"positive","sentiment_score":0.42021870613098145},{"text":"Yeah.","start":172.765,"end":173.265,"sentiment":"neutral","sentiment_score":0.22195252776145935},{"text":"Bit of flexibility, which is nice.","start":173.485,"end":175.425,"sentiment":"neutral","sentiment_score":0.30350260933240253}],"sentiment":"neutral","sentiment_score":0.2833128422498703,"num_words":10,"start":160.35,"end":175.425},{"sentences":[{"text":"And so because, obviously, with the current legislation, if it is that you are fully retired, you can access all of your superannuation completely tax free at the age of 60.","start":176.365,"end":189.84,"sentiment":"neutral","sentiment_score":0.1850859743933524},{"text":"Or if you are semi retired, so still working, but, obviously, reduced hours and you wanna start drawing a bit of an income, you can do up to 10% under a transition to retirement when you turn 60 as well.","start":190.615,"end":203.035,"sentiment":"neutral","sentiment_score":0.154808128811419},{"text":"From 60.","start":205.06,"end":205.78,"sentiment":"neutral","sentiment_score":0.026816818863153458},{"text":"Yeah.","start":205.78,"end":206.09999,"sentiment":"neutral","sentiment_score":0.043467022478580475},{"text":"So, obviously, not really applicable yet, but when you get there, then we can have a look at, well, what's your situation like.","start":206.09999,"end":214.26,"sentiment":"neutral","sentiment_score":0.058791291292594826}],"sentiment":"neutral","sentiment_score":0.13793083215036342,"num_words":97,"start":176.365,"end":214.26},{"sentences":[{"text":"And if you do wanna start drawing a little bit from super or whether the plan is to keep it through '65.","start":214.26,"end":221.495,"sentiment":"neutral","sentiment_score":0.11042900637469509},{"text":"I had here before was your ideal retirement, but is that kind of brought forward a little bit?","start":221.495,"end":226.635,"sentiment":"neutral","sentiment_score":0.10051844434605704},{"text":"Yep.","start":245.365,"end":245.865,"sentiment":"neutral","sentiment_score":0.12566237151622772},{"text":"Yeah.","start":252.165,"end":252.665,"sentiment":"neutral","sentiment_score":-0.012217804789543152},{"text":"No.","start":252.805,"end":253.125,"sentiment":"neutral","sentiment_score":-0.08454746007919312}],"sentiment":"neutral","sentiment_score":0.09924807546790256,"num_words":43,"start":214.26,"end":253.125},{"sentences":[{"text":"I get that.","start":253.125,"end":254.105,"sentiment":"neutral","sentiment_score":-0.1306555519501368},{"text":"Yeah.","start":255.845,"end":256.345,"sentiment":"neutral","sentiment_score":-0.02232533134520054},{"text":"Enjoy life.","start":256.405,"end":257.225,"sentiment":"neutral","sentiment_score":-0.0566349383443594},{"text":"Yeah.","start":259.74,"end":260.24,"sentiment":"neutral","sentiment_score":0.009111758321523666},{"text":"No.","start":260.62,"end":261.12,"sentiment":"neutral","sentiment_score":-0.06546476483345032}],"sentiment":"neutral","sentiment_score":-0.07298935879953206,"num_words":8,"start":253.125,"end":261.12},{"sentences":[{"text":"Totally.","start":261.18,"end":261.68,"sentiment":"neutral","sentiment_score":0.029575882479548454},{"text":"Okay.","start":263.02,"end":263.52,"sentiment":"neutral","sentiment_score":0.19891124963760376},{"text":"Perfect.","start":263.58,"end":264.08,"sentiment":"positive","sentiment_score":0.5183435678482056},{"text":"And I do have here as well that when you want to start doing an income from super, that about a thousand dollars per week was last time what you kind of said was suitable.","start":264.46,"end":275.415,"sentiment":"neutral","sentiment_score":0.1885842155132975},{"text":"Is that still kind of mhmm.","start":275.635,"end":278.035,"sentiment":"neutral","sentiment_score":0.001513163714359204}],"sentiment":"neutral","sentiment_score":0.1671899369367483,"num_words":44,"start":261.18,"end":278.035},{"sentences":[{"text":"Yep.","start":278.035,"end":278.535,"sentiment":"neutral","sentiment_score":-0.015343408100306988},{"text":"Yes.","start":280.67502,"end":281.17502,"sentiment":"neutral","sentiment_score":-0.009367452003061771},{"text":"Yeah.","start":283.475,"end":283.975,"sentiment":"neutral","sentiment_score":0.06869926303625107},{"text":"Leave it for now.","start":284.435,"end":285.555,"sentiment":"neutral","sentiment_score":0.004052269272506237},{"text":"Okay.","start":285.555,"end":286.055,"sentiment":"neutral","sentiment_score":0.03597024828195572}],"sentiment":"neutral","sentiment_score":0.012020966038107872,"num_words":8,"start":278.035,"end":286.055},{"sentences":[{"text":"Okay.","start":287.56998,"end":288.05,"sentiment":"neutral","sentiment_score":0.10404680669307707},{"text":"Perfect.","start":288.05,"end":288.55,"sentiment":"neutral","sentiment_score":0.3208393454551697},{"text":"Perfect.","start":289.09,"end":289.59,"sentiment":"neutral","sentiment_score":0.2633982300758362},{"text":"Now, obviously, because you have stopped working, obviously, you're not getting contributions into super anymore.","start":290.21,"end":295.99,"sentiment":"neutral","sentiment_score":-0.06316797609130541},{"text":"Are you looking at making contributions yourself or, obviously, just living off savings at the moment, like, not really kind of right now?","start":296.77,"end":307.30502,"sentiment":"neutral","sentiment_score":-0.052323346552641495}],"sentiment":"neutral","sentiment_score":-0.03567493243551836,"num_words":41,"start":287.56998,"end":307.30502},{"sentences":[{"text":"No.","start":309.92502,"end":310.42502,"sentiment":"neutral","sentiment_score":-0.11811763048171996},{"text":"Yeah.","start":313.36502,"end":313.86502,"sentiment":"neutral","sentiment_score":-0.03588412329554558},{"text":"No.","start":319.3,"end":319.8,"sentiment":"neutral","sentiment_score":-0.01327063888311386},{"text":"You you definitely don't have you don't have to.","start":320.18,"end":322.68,"sentiment":"neutral","sentiment_score":0.003369759095625745},{"text":"Obviously, putting contributions in will compound and make your super grow, but it's not a requirement that you have to.","start":322.74,"end":330.315,"sentiment":"neutral","sentiment_score":0.06835164427757263}],"sentiment":"neutral","sentiment_score":0.03844026014849078,"num_words":32,"start":309.92502,"end":330.315},{"sentences":[{"text":"So if it is that you, you know, don't contribute for a while, that's no problem.","start":330.555,"end":336.395,"sentiment":"neutral","sentiment_score":0.08281509997323155},{"text":"Like, it's not gonna cancel or change or anything like that.","start":336.395,"end":340.495,"sentiment":"neutral","sentiment_score":0.049699766392057594},{"text":"Correct.","start":341.595,"end":342.095,"sentiment":"neutral","sentiment_score":-0.029380904510617256},{"text":"Correct.","start":343.19,"end":343.69,"sentiment":"neutral","sentiment_score":-0.030407195910811424},{"text":"Yes.","start":343.83002,"end":344.31,"sentiment":"neutral","sentiment_score":-0.012534573674201964}],"sentiment":"neutral","sentiment_score":0.059980545192956924,"num_words":30,"start":330.555,"end":344.31},{"sentences":[{"text":"It'll still be invested.","start":344.31,"end":345.45,"sentiment":"neutral","sentiment_score":-0.08188574761152267},{"text":"Yeah.","start":346.63,"end":347.13,"sentiment":"neutral","sentiment_score":0.06432822346687317},{"text":"Yes.","start":348.79,"end":349.29,"sentiment":"neutral","sentiment_score":0.07207497954368591},{"text":"Yes.","start":351.43,"end":351.93,"sentiment":"neutral","sentiment_score":0.052771151065826416},{"text":"Correct.","start":355.04498,"end":355.54498,"sentiment":"neutral","sentiment_score":0.13740956783294678}],"sentiment":"neutral","sentiment_score":-0.00011988356709480286,"num_words":8,"start":344.31,"end":355.54498},{"sentences":[{"text":"Yep.","start":358.805,"end":359.305,"sentiment":"neutral","sentiment_score":0.14894524216651917},{"text":"Yeah.","start":368.18,"end":368.68,"sentiment":"neutral","sentiment_score":0.18245838582515717},{"text":"Yeah.","start":371.30002,"end":371.38,"sentiment":"positive","sentiment_score":0.35849225521087646},{"text":"Yeah.","start":371.38,"end":371.88,"sentiment":"positive","sentiment_score":0.5117435455322266},{"text":"Beautiful.","start":371.94,"end":372.42,"sentiment":"positive","sentiment_score":0.686883807182312}],"sentiment":"positive","sentiment_score":0.3777046471834183,"num_words":5,"start":358.805,"end":372.42},{"sentences":[{"text":"And what I might do as well, because it is good to do every now and then just to do a bit of a check-in.","start":372.42,"end":380.04,"sentiment":"positive","sentiment_score":0.4324584436416626},{"text":"So after the call, if you're happy for me to do so, is that I can go and do just obviously factoring in, let's say, no contributions moving forward until 60.","start":380.715,"end":390.635,"sentiment":"neutral","sentiment_score":0.3107442057901813},{"text":"I can even do 65 as well just to show you how things are on track for and where that would kind of leave you come retirement so that you can obviously kind of see, okay.","start":390.635,"end":401.46,"sentiment":"neutral","sentiment_score":0.2256716541532013},{"text":"How are things tracking?","start":401.46,"end":402.76,"sentiment":"neutral","sentiment_score":0.10230063460767269},{"text":"But it's also a good time to do a bit of an update and reassessing your investment because things obviously have changed quite a bit in the world when you came on board as well.","start":403.54,"end":414.475,"sentiment":"neutral","sentiment_score":0.1655212498136929}],"sentiment":"neutral","sentiment_score":0.2654286816943693,"num_words":131,"start":372.42,"end":414.475},{"sentences":[{"text":"And I do like to have a bit of a look at it now while we are talking about your investments actually.","start":415.655,"end":420.875,"sentiment":"neutral","sentiment_score":0.19268069314685735},{"text":"Do you have access to your emails at all there, Katie?","start":421.73502,"end":424.55502,"sentiment":"neutral","sentiment_score":0.04582133432003585},{"text":"If you can if if if not, if you're happy for me to just kind of run through them with you, I'm happy to do that.","start":429.22998,"end":437.38998,"sentiment":"positive","sentiment_score":0.3587503745578803},{"text":"And then after the call, if it's easier for you to get them up late and have a look at it, that's also perfectly fine.","start":437.38998,"end":442.795,"sentiment":"positive","sentiment_score":0.3640985608100891},{"text":"Yes.","start":447.655,"end":448.155,"sentiment":"neutral","sentiment_score":0.06603046506643295}],"sentiment":"neutral","sentiment_score":0.2734001664773506,"num_words":85,"start":415.655,"end":448.155},{"sentences":[{"text":"Yes.","start":448.615,"end":449.115,"sentiment":"neutral","sentiment_score":0.04534033685922623},{"text":"Yeah.","start":449.655,"end":449.975,"sentiment":"neutral","sentiment_score":0.004631734453141689},{"text":"Sorry.","start":449.975,"end":450.475,"sentiment":"neutral","sentiment_score":-0.14334554970264435},{"text":"Yes.","start":452.71,"end":453.11,"sentiment":"neutral","sentiment_score":0.04341703653335571},{"text":"Correct.","start":453.11,"end":453.59,"sentiment":"neutral","sentiment_score":0.07727597653865814}],"sentiment":"neutral","sentiment_score":0.005463906936347485,"num_words":5,"start":448.615,"end":453.59},{"sentences":[{"text":"Because part of that is if you do click on the link, now it will allow you to open up the documents first before it prompts you to sign anything.","start":453.59,"end":462.40997,"sentiment":"neutral","sentiment_score":0.06672228717555602},{"text":"Correct.","start":462.62997,"end":463.11,"sentiment":"neutral","sentiment_score":0.04323195666074753},{"text":"Yes.","start":463.11,"end":463.61,"sentiment":"neutral","sentiment_score":0.029056834056973457},{"text":"And then perfect.","start":465.315,"end":466.755,"sentiment":"neutral","sentiment_score":0.26659318804740906},{"text":"Now can you see a document first where it says super summary?","start":466.755,"end":469.655,"sentiment":"neutral","sentiment_score":0.06980449830492337}],"sentiment":"neutral","sentiment_score":0.07896576488905764,"num_words":47,"start":453.59,"end":469.655},{"sentences":[{"text":"Yep.","start":474.19498,"end":474.69498,"sentiment":"neutral","sentiment_score":0.03480018302798271},{"text":"Yes.","start":475.235,"end":475.555,"sentiment":"neutral","sentiment_score":0.1928829401731491},{"text":"Beautiful.","start":475.555,"end":476.055,"sentiment":"positive","sentiment_score":0.48221921920776367},{"text":"So that shows you here, obviously, you have your Subaru in Hub 24, and you do have about $651,908 in there.","start":476.56998,"end":486.03,"sentiment":"neutral","sentiment_score":0.13698937637465342},{"text":"And you don't have any insurances otherwise.","start":486.97,"end":489.78998,"sentiment":"neutral","sentiment_score":0.03794282382088048}],"sentiment":"neutral","sentiment_score":0.12426706493621872,"num_words":31,"start":474.19498,"end":489.78998},{"sentences":[{"text":"Yep.","start":491.425,"end":491.925,"sentiment":"neutral","sentiment_score":0.051584891974925995},{"text":"Now on the next document, does that say have a '24 performance report?","start":492.305,"end":498.005,"sentiment":"neutral","sentiment_score":0.03698054815714176},{"text":"Performance with IRR.","start":498.785,"end":500.245,"sentiment":"neutral","sentiment_score":0.024126784255107243},{"text":"Can you see that one?","start":500.785,"end":502.08,"sentiment":"neutral","sentiment_score":0.030761626735329627},{"text":"Yep.","start":503.12,"end":503.52,"sentiment":"neutral","sentiment_score":0.16466769576072693}],"sentiment":"neutral","sentiment_score":0.04013861740088981,"num_words":23,"start":491.425,"end":503.52},{"sentences":[{"text":"Beautiful.","start":503.52,"end":504.02,"sentiment":"positive","sentiment_score":0.4134445786476135},{"text":"So that one here actually to breaks down your in investments in a bit more detail.","start":504.24,"end":509.46,"sentiment":"neutral","sentiment_score":0.18931469041854143},{"text":"So this one here is a report for the last twelve months.","start":509.75998,"end":512.8,"sentiment":"neutral","sentiment_score":0.10898533028860886},{"text":"So it kind of shows you how your investments have performed over the last twelve months.","start":512.8,"end":517.185,"sentiment":"neutral","sentiment_score":0.10756474919617176},{"text":"Now the last twelve months have been obviously, you probably heard in the news and stuff.","start":517.90497,"end":522.065,"sentiment":"neutral","sentiment_score":-0.004459241754375398}],"sentiment":"neutral","sentiment_score":0.10491789685043156,"num_words":61,"start":503.52,"end":522.065},{"sentences":[{"text":"We have seen quite a bit of fluctuations in the market with everything that has happened.","start":522.065,"end":526.885,"sentiment":"neutral","sentiment_score":-0.02532458759378642},{"text":"But in saying that, though, overall, your portfolio has still done really well.","start":528.305,"end":533.56,"sentiment":"neutral","sentiment_score":0.1857300945199453},{"text":"So if you scroll down to page two out of two for me, you should see total total portfolio.","start":533.69995,"end":540.83997,"sentiment":"neutral","sentiment_score":0.08865610255222571},{"text":"Yep.","start":542.355,"end":542.855,"sentiment":"neutral","sentiment_score":0.09050839394330978},{"text":"Perfect.","start":542.915,"end":543.415,"sentiment":"positive","sentiment_score":0.35330960154533386}],"sentiment":"neutral","sentiment_score":0.08275163542479276,"num_words":50,"start":522.065,"end":543.415},{"sentences":[{"text":"Now if you look at the second column to the right versus internal rate of return.","start":543.71497,"end":549.415,"sentiment":"neutral","sentiment_score":0.10955005441792309},{"text":"Can you see that?","start":549.955,"end":550.915,"sentiment":"neutral","sentiment_score":0.04061935842037201},{"text":"Yep.","start":550.915,"end":551.415,"sentiment":"neutral","sentiment_score":0.03695296868681908},{"text":"Correct.","start":553.395,"end":553.795,"sentiment":"neutral","sentiment_score":0.15003764629364014},{"text":"And that is after fees, which is which is really good kind of given, yeah, the market conditions we have had in the last twelve months.","start":553.795,"end":560.94,"sentiment":"positive","sentiment_score":0.35870205668302685}],"sentiment":"neutral","sentiment_score":0.23809421652307114,"num_words":48,"start":543.71497,"end":560.94},{"sentences":[{"text":"So, overall, quite happy with that.","start":561.16,"end":563.64,"sentiment":"positive","sentiment_score":0.6118171215057373},{"text":"Now if you do scroll up again for me to page one where it talks about all individual investments.","start":563.64,"end":570.21497,"sentiment":"neutral","sentiment_score":0.1172787438293821},{"text":"Now this is one part of the the research as well.","start":570.355,"end":573.15497,"sentiment":"neutral","sentiment_score":0.11089083078232678},{"text":"To do a bit of an update on your super is what I wanna have a look at, which is the top one where it says Benelong Australian equity.","start":573.15497,"end":580.77496,"sentiment":"neutral","sentiment_score":0.11676818286550456},{"text":"Now if you go to the same column, so the second column to the right where it says internal rate of return again, that is how each of your investments have done.","start":581.91003,"end":590.81,"sentiment":"neutral","sentiment_score":0.12345234327949584}],"sentiment":"neutral","sentiment_score":0.1490283534890905,"num_words":97,"start":561.16,"end":590.81},{"sentences":[{"text":"Yep.","start":592.71,"end":593.145,"sentiment":"neutral","sentiment_score":0.06880554556846619},{"text":"Yep.","start":595.065,"end":595.565,"sentiment":"neutral","sentiment_score":0.1502559781074524},{"text":"Right.","start":595.78503,"end":596.28503,"sentiment":"positive","sentiment_score":0.3773037791252136},{"text":"The bracket actually means that it's down.","start":596.745,"end":599.48505,"sentiment":"neutral","sentiment_score":0.12056423830134529},{"text":"So that's why I wanna review that investment for you.","start":599.945,"end":603.325,"sentiment":"neutral","sentiment_score":0.13890819996595383}],"sentiment":"neutral","sentiment_score":0.14146984852850436,"num_words":20,"start":592.71,"end":603.325},{"sentences":[{"text":"Now the other one correct.","start":604.825,"end":608.69,"sentiment":"neutral","sentiment_score":0.01945471316576004},{"text":"So the Benelung is underperforming a little bit at the moment, but you can see that, obviously, a lot of your other investments, like, for example, the battery tech and lithium has gone through the roof, which is crazy.","start":608.75,"end":621.345,"sentiment":"neutral","sentiment_score":-0.08375036687805103},{"text":"I'm 90 one.","start":621.40497,"end":622.605,"sentiment":"neutral","sentiment_score":0.019715852725009125},{"text":"So yes.","start":622.605,"end":624.14496,"sentiment":"neutral","sentiment_score":0.0642814077436924},{"text":"So right?","start":624.52496,"end":629.02496,"sentiment":"neutral","sentiment_score":0.2038511112332344}],"sentiment":"neutral","sentiment_score":-0.05046231659384919,"num_words":51,"start":604.825,"end":629.02496},{"sentences":[{"text":"Exactly.","start":631.4,"end":631.9,"sentiment":"neutral","sentiment_score":0.1750977486371994},{"text":"I mean, I have a hybrid.","start":632.44,"end":633.64,"sentiment":"neutral","sentiment_score":0.10711030413707097},{"text":"Sorry.","start":633.64,"end":633.96,"sentiment":"neutral","sentiment_score":0.004567625001072884},{"text":"Partly there.","start":633.96,"end":634.78,"sentiment":"neutral","sentiment_score":0.011731522157788277},{"text":"Partly there.","start":636.52,"end":637.5,"sentiment":"neutral","sentiment_score":0.09000209718942642}],"sentiment":"neutral","sentiment_score":0.0854828697629273,"num_words":12,"start":631.4,"end":637.5},{"sentences":[{"text":"Yeah.","start":637.88,"end":638.38,"sentiment":"neutral","sentiment_score":0.11877080053091048},{"text":"So, obviously, the whole portfolio, it is designed to give you that diversification.","start":638.68005,"end":642.7,"sentiment":"neutral","sentiment_score":0.22332850442482874},{"text":"So we obviously don't wanna put everything into one option because, yes, sometimes you're gonna, you know, really, really good, but other times, as things fluctuate, it's not gonna be as great.","start":644.895,"end":653.85504,"sentiment":"neutral","sentiment_score":0.007833346782717854},{"text":"So we wanna obviously make sure we diversify things for you.","start":653.85504,"end":656.94,"sentiment":"neutral","sentiment_score":0.17424545978957956},{"text":"But at the same time, we do wanna be proactive with the investment.","start":657.58,"end":660.72003,"sentiment":"neutral","sentiment_score":0.21837436293180174}],"sentiment":"neutral","sentiment_score":0.11468964615570647,"num_words":70,"start":637.88,"end":660.72003},{"sentences":[{"text":"And if we foresee one investment underperforming a little bit and we don't foresee it coming back around, then we wanna look at making changes for you.","start":660.86,"end":670.425,"sentiment":"neutral","sentiment_score":0.036619504603246845},{"text":"So not always when an investment is down do we wanna sell out because that also means that you are selling when it's already dropped.","start":670.665,"end":676.605,"sentiment":"neutral","sentiment_score":-0.2578041335940361},{"text":"But at the same time, if we foresee that there are better options out there that's gonna give you more growth, then we wanna look at alternative options.","start":676.985,"end":684.845,"sentiment":"neutral","sentiment_score":0.036858476365783384},{"text":"Now with Bennelong, it has underperformed a little bit, which you can see here.","start":685.49,"end":690.87,"sentiment":"neutral","sentiment_score":0.22238362154790334},{"text":"Now Bennelong is structured a little bit different to your other investments in that it is a managed fund.","start":691.08997,"end":697.75,"sentiment":"neutral","sentiment_score":0.027130794858461933}],"sentiment":"neutral","sentiment_score":-0.007039677640175925,"num_words":113,"start":660.86,"end":697.75},{"sentences":[{"text":"And how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market.","start":698.495,"end":706.995,"sentiment":"neutral","sentiment_score":0.046682086462775864},{"text":"And they had done really well in doing so.","start":707.855,"end":710.915,"sentiment":"neutral","sentiment_score":0.07840774373875724},{"text":"But as you can see here, the last twelve months, they've been a little bit slower with that.","start":711.2,"end":715.86,"sentiment":"neutral","sentiment_score":-0.19371555538641083},{"text":"So I would like to have a look at that in a little bit more detail and do a bit of the the math and calculation to see, well, should we swap it for something else, and what will that look like for you if you're happy for me to do so.","start":717.04,"end":730.515,"sentiment":"neutral","sentiment_score":0.09405653866437766},{"text":"Yep.","start":731.615,"end":732.115,"sentiment":"positive","sentiment_score":0.3855341374874115}],"sentiment":"neutral","sentiment_score":0.034765710767645105,"num_words":104,"start":698.495,"end":732.115},{"sentences":[{"text":"Yep.","start":732.815,"end":733.315,"sentiment":"neutral","sentiment_score":0.2971673607826233},{"text":"Perfect.","start":734.175,"end":734.675,"sentiment":"positive","sentiment_score":0.5098357200622559},{"text":"And that also kind of then factors in through doing a bit of a you know, seeing how you are on track for super for retirement and everything like that, especially without contribution as that would obviously change from when you came on board because that was factoring in contribution.","start":735.775,"end":748.71,"sentiment":"neutral","sentiment_score":0.1791735190153122},{"text":"So it is a good kind of check-in.","start":748.77,"end":750.55,"sentiment":"neutral","sentiment_score":0.15275365253910422},{"text":"Now with your investments as well, I'll go through just a quick kind of risk profile questionnaire with you.","start":751.97,"end":758.815,"sentiment":"neutral","sentiment_score":0.11777307700953986}],"sentiment":"neutral","sentiment_score":0.1674100850013238,"num_words":79,"start":732.815,"end":758.815},{"sentences":[{"text":"It is just multiple choice just to make it nice and easy, and there's no right or wrong answer.","start":759.195,"end":764.09503,"sentiment":"neutral","sentiment_score":0.134772179942382},{"text":"And it is just to see if we need to make any changes to your risk profile when it comes to your investment.","start":764.475,"end":771.8,"sentiment":"neutral","sentiment_score":0.021451823251402897},{"text":"So if it doesn't make sense, let me know.","start":772.18,"end":774.68,"sentiment":"neutral","sentiment_score":-0.08910213948951827},{"text":"Now, Ricky, have you ever bought direct shares yourself on the stock market?","start":776.81995,"end":781.87994,"sentiment":"neutral","sentiment_score":-0.014098544031954728},{"text":"Not yourself.","start":784.015,"end":784.755,"sentiment":"neutral","sentiment_score":-0.1624051108956337}],"sentiment":"neutral","sentiment_score":0.026425042485987597,"num_words":66,"start":759.195,"end":784.755},{"sentences":[{"text":"No.","start":784.975,"end":785.475,"sentiment":"neutral","sentiment_score":-0.09619224071502686},{"text":"Perfect.","start":786.575,"end":787.075,"sentiment":"neutral","sentiment_score":0.0816749781370163},{"text":"Now the next question is in regards to how much risk you are willing to take for your superannuation.","start":789.855,"end":795.475,"sentiment":"neutral","sentiment_score":-0.001857271516009381},{"text":"So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":796.52997,"end":806.23,"sentiment":"neutral","sentiment_score":-0.003582325531169772},{"text":"Mhmm.","start":814.385,"end":814.885,"sentiment":"neutral","sentiment_score":-0.07238112390041351}],"sentiment":"neutral","sentiment_score":-0.004525268652840801,"num_words":46,"start":784.975,"end":814.885},{"sentences":[{"text":"Mhmm.","start":818.945,"end":819.105,"sentiment":"neutral","sentiment_score":-0.02173258736729622},{"text":"Yeah.","start":819.105,"end":819.605,"sentiment":"neutral","sentiment_score":-0.004901142790913582},{"text":"So the best way actually to have a look at it is is typically how how much of your money is invested in growth assets versus defensive assets.","start":820.48004,"end":831.06,"sentiment":"neutral","sentiment_score":0.0065646204831344744},{"text":"So a good way to actually look at it is if you can go back to the email for me.","start":831.36005,"end":835.425,"sentiment":"neutral","sentiment_score":0.1321712939068675},{"text":"Now is your next attachment is that a Vanguard index chart?","start":837.345,"end":842.325,"sentiment":"neutral","sentiment_score":0.06586162610487505}],"sentiment":"neutral","sentiment_score":0.05778818702722182,"num_words":61,"start":818.945,"end":842.325},{"sentences":[{"text":"Yes.","start":845.185,"end":845.58496,"sentiment":"neutral","sentiment_score":0.1336449831724167},{"text":"Okay.","start":845.58496,"end":845.985,"sentiment":"neutral","sentiment_score":0.3107348680496216},{"text":"Beautiful.","start":845.985,"end":846.485,"sentiment":"positive","sentiment_score":0.5881156325340271},{"text":"Now that one here, it is good because it kinda correlates into it, and it is a good visual representation of what we are talking about when we're talking about the market.","start":846.945,"end":855.99,"sentiment":"positive","sentiment_score":0.42811339581385255},{"text":"Have you ever seen something like this before?","start":855.99,"end":857.85,"sentiment":"neutral","sentiment_score":0.020232586190104485}],"sentiment":"positive","sentiment_score":0.3463717404493066,"num_words":43,"start":845.185,"end":857.85},{"sentences":[{"text":"Yeah.","start":864.645,"end":865.145,"sentiment":"neutral","sentiment_score":0.00985260121524334},{"text":"But, essentially, it kind of shows us a longer period of time.","start":865.365,"end":868.565,"sentiment":"neutral","sentiment_score":-0.032952315329263605},{"text":"So it shows us the market from 1995 through 2005, and you can obviously see all the ups and downs in the market.","start":868.565,"end":875.145,"sentiment":"neutral","sentiment_score":-0.02346330540983573},{"text":"When we do look at it historically, market always goes up.","start":875.765,"end":879.37,"sentiment":"neutral","sentiment_score":-0.02404506673867052},{"text":"The short term, as you can see, there will be some ups and downs and market fluctuations.","start":879.37,"end":883.23,"sentiment":"neutral","sentiment_score":-0.05564393146949656}],"sentiment":"neutral","sentiment_score":-0.033369902754202485,"num_words":64,"start":864.645,"end":883.23},{"sentences":[{"text":"Now while we are then referring back to level of risk, it's how much goes into what portion.","start":884.01,"end":890.055,"sentiment":"neutral","sentiment_score":-0.0383515160323845},{"text":"So for example, at the moment, we have you invested in a growth portfolio.","start":890.755,"end":895.655,"sentiment":"neutral","sentiment_score":0.006959209085575172},{"text":"So kind of somewhere in the middle where you you you are not defensive.","start":896.03503,"end":899.495,"sentiment":"neutral","sentiment_score":-0.040490767253296714},{"text":"So you're not your balance to balance growth options.","start":899.875,"end":902.195,"sentiment":"neutral","sentiment_score":-0.047730885446071625},{"text":"You're still working on growth, but you don't have your high growth or aggressive where you see a little bit more.","start":902.195,"end":908.41,"sentiment":"neutral","sentiment_score":-0.05182659164780662}],"sentiment":"neutral","sentiment_score":-0.03523296705986324,"num_words":76,"start":884.01,"end":908.41},{"sentences":[{"text":"So for growth portfolio, we see 80% of the money invested in your growth assets.","start":908.55,"end":915.37,"sentiment":"neutral","sentiment_score":0.04845703827838103},{"text":"Now the growth assets are the top four.","start":915.75,"end":918.81,"sentiment":"neutral","sentiment_score":0.05797566007822752},{"text":"So you can see here US shares obviously grow the most, also fluctuates the most as well.","start":919.13495,"end":924.915,"sentiment":"neutral","sentiment_score":0.08257444115246043},{"text":"You have Australian shares.","start":925.535,"end":927.875,"sentiment":"neutral","sentiment_score":0.04738965164870024},{"text":"The next one, again, very similar, international shares and property.","start":928.735,"end":933.91003,"sentiment":"neutral","sentiment_score":0.08784868866205216}],"sentiment":"neutral","sentiment_score":0.06782355273349418,"num_words":54,"start":908.55,"end":933.91003},{"sentences":[{"text":"And you can see here that these grow the most, this fluctuates the most.","start":933.91003,"end":938.73004,"sentiment":"neutral","sentiment_score":0.10549301467835903},{"text":"So yeah.","start":939.35004,"end":941.03,"sentiment":"neutral","sentiment_score":0.01689480198547244},{"text":"Whereas you then have 20% in the bottom three.","start":941.03,"end":944.31,"sentiment":"neutral","sentiment_score":0.13621232906977335},{"text":"So, like, your cash a gold will also kind of come in here and fixed interest, which kind of level things out a little bit for you.","start":944.31,"end":951.995,"sentiment":"neutral","sentiment_score":0.28450284622333666},{"text":"So who's that?","start":952.45496,"end":955.355,"sentiment":"neutral","sentiment_score":0.26140546053647995}],"sentiment":"neutral","sentiment_score":0.2036799272860993,"num_words":55,"start":933.91003,"end":955.355},{"sentences":[{"text":"Mhmm.","start":968.31,"end":968.71,"sentiment":"neutral","sentiment_score":0.032565534114837646},{"text":"Yes.","start":968.71,"end":969.21,"sentiment":"neutral","sentiment_score":0.08901548385620117},{"text":"Okay.","start":972.405,"end":972.905,"sentiment":"neutral","sentiment_score":0.08942878991365433},{"text":"Mhmm.","start":976.805,"end":977.305,"sentiment":"neutral","sentiment_score":0.04677313566207886},{"text":"Yes.","start":980.405,"end":980.905,"sentiment":"neutral","sentiment_score":0.12154010683298112}],"sentiment":"neutral","sentiment_score":0.07586461007595062,"num_words":5,"start":968.31,"end":980.905},{"sentences":[{"text":"Yes.","start":988.58,"end":989.08,"sentiment":"neutral","sentiment_score":0.13913848996162417},{"text":"It makes sense.","start":989.14,"end":989.94,"sentiment":"neutral","sentiment_score":0.22506187856197357},{"text":"No.","start":989.94,"end":990.26,"sentiment":"neutral","sentiment_score":0.17064788937568665},{"text":"It totally makes sense.","start":990.26,"end":991.30005,"sentiment":"positive","sentiment_score":0.4147464856505394},{"text":"And that is the other thing we kind of look at.","start":991.30005,"end":993.22003,"sentiment":"neutral","sentiment_score":0.10900669612667778}],"sentiment":"neutral","sentiment_score":0.19215158075094224,"num_words":20,"start":988.58,"end":993.22003},{"sentences":[{"text":"So there are a couple of different components.","start":993.22003,"end":995.24005,"sentiment":"neutral","sentiment_score":0.061756432056427},{"text":"The first is so there is profile question that gives me an indication on how you would feel in certain situations from, like, a behavioral point of view.","start":995.30005,"end":1004.155,"sentiment":"neutral","sentiment_score":0.07243078454796757},{"text":"But the other thing that comes into play is time frame, like you touch up.","start":1004.215,"end":1007.835,"sentiment":"neutral","sentiment_score":0.04241713210940361},{"text":"So we wanna make sure that you have enough time in the market for this fluctuation.","start":1008.055,"end":1013.94,"sentiment":"neutral","sentiment_score":0.06315748533234},{"text":"Now as a guideline in a growth portfolio, which is what you are currently, ideally, we'd like to see about six years to retirement.","start":1014.72003,"end":1023.22003,"sentiment":"neutral","sentiment_score":0.12713791631783047}],"sentiment":"neutral","sentiment_score":0.079342858927263,"num_words":91,"start":993.22003,"end":1023.22003},{"sentences":[{"text":"So if you are kind of wanting to start drawing super, some money from super, let's say, in three years or something, if we then move you up through, let's say, a high growth, the minimum, ideally, we'd like to see is eight years.","start":1023.945,"end":1036.685,"sentiment":"neutral","sentiment_score":0.09976569148288532},{"text":"So it does mean that if you went to potentially take some of it out, it could be down at the time.","start":1037.14,"end":1043.94,"sentiment":"neutral","sentiment_score":-0.05130611529404467},{"text":"So from a time frame point of view, it could even be more suitable to be more defensive, like your balance growth to be five years.","start":1043.94,"end":1053.275,"sentiment":"neutral","sentiment_score":0.13729629379052383},{"text":"But at the same time, it's also what you are comfortable with.","start":1053.275,"end":1056.315,"sentiment":"neutral","sentiment_score":0.15373365208506584},{"text":"And if you are like, well, I'm not gonna take everything out.","start":1056.315,"end":1059.215,"sentiment":"neutral","sentiment_score":0.025731818440059822}],"sentiment":"neutral","sentiment_score":0.07745038942787154,"num_words":116,"start":1023.945,"end":1059.215},{"sentences":[{"text":"I just wanna start drawing a little bit of an income, then that can still be okay.","start":1059.275,"end":1064.255,"sentiment":"neutral","sentiment_score":0.1799280963399831},{"text":"Then, obviously, because your super balance is quite high, which is fantastic, having a couple percent shift, you will feel it more than, obviously, someone with a smaller balance.","start":1065.03,"end":1077.13,"sentiment":"positive","sentiment_score":0.5391593971129122},{"text":"Yes.","start":1082.635,"end":1083.135,"sentiment":"neutral","sentiment_score":0.0409521646797657},{"text":"Yes.","start":1094.33,"end":1094.49,"sentiment":"neutral","sentiment_score":0.027560699731111526},{"text":"Okay.","start":1094.49,"end":1094.99,"sentiment":"neutral","sentiment_score":0.016003692522644997}],"sentiment":"positive","sentiment_score":0.3832431981834222,"num_words":49,"start":1059.275,"end":1094.99},{"sentences":[{"text":"Yes.","start":1095.5299,"end":1096.0299,"sentiment":"neutral","sentiment_score":0.018999148160219193},{"text":"Yes.","start":1100.49,"end":1100.99,"sentiment":"neutral","sentiment_score":0.016294067725539207},{"text":"Yes.","start":1106.1849,"end":1106.6849,"sentiment":"neutral","sentiment_score":0.03510182350873947},{"text":"Mhmm.","start":1111.465,"end":1111.5449,"sentiment":"neutral","sentiment_score":0.06464677304029465},{"text":"Yeah.","start":1111.5449,"end":1112.0449,"sentiment":"neutral","sentiment_score":0.04024174064397812}],"sentiment":"neutral","sentiment_score":0.035056710615754126,"num_words":5,"start":1095.5299,"end":1112.0449},{"sentences":[{"text":"Yeah.","start":1113.72,"end":1114.22,"sentiment":"neutral","sentiment_score":0.1066036894917488},{"text":"Yeah.","start":1114.36,"end":1114.86,"sentiment":"neutral","sentiment_score":-0.06064053624868393},{"text":"No.","start":1117.32,"end":1117.82,"sentiment":"neutral","sentiment_score":-0.12449000775814056},{"text":"Yeah.","start":1119.24,"end":1119.5599,"sentiment":"neutral","sentiment_score":-0.03509150445461273},{"text":"Yep.","start":1119.5599,"end":1120.0599,"sentiment":"neutral","sentiment_score":0.010903999209403992}],"sentiment":"neutral","sentiment_score":-0.02054287195205689,"num_words":5,"start":1113.72,"end":1120.0599},{"sentences":[{"text":"Yes.","start":1124.52,"end":1124.9199,"sentiment":"neutral","sentiment_score":-0.0048117744736373425},{"text":"We do.","start":1124.9199,"end":1125.66,"sentiment":"neutral","sentiment_score":-0.03743894025683403},{"text":"Yes.","start":1126.4451,"end":1126.9451,"sentiment":"neutral","sentiment_score":-0.03902455419301987},{"text":"We we wanna be proactive.","start":1128.365,"end":1130.145,"sentiment":"neutral","sentiment_score":-0.02145337238907814},{"text":"Exact Exactly.","start":1130.525,"end":1132.305,"sentiment":"neutral","sentiment_score":-0.0018319715745747107}],"sentiment":"neutral","sentiment_score":-0.020876819479533217,"num_words":11,"start":1124.52,"end":1132.305},{"sentences":[{"text":"No.","start":1132.365,"end":1132.685,"sentiment":"neutral","sentiment_score":-0.02272087894380093},{"text":"Definitely.","start":1132.685,"end":1133.185,"sentiment":"neutral","sentiment_score":-0.00027196481823921204},{"text":"So we do obviously keep an eye on everything for you, but, yeah, also time frame comes in play.","start":1133.645,"end":1138.285,"sentiment":"neutral","sentiment_score":0.06802018437730639},{"text":"So if you are wanting growth and you are comfortable with fluctuations, then growth is pretty suitable where you are at, which is, like I said, it's about a sixty sorry, a six year time frame, and you still have 80% in those top four.","start":1138.285,"end":1154.045,"sentiment":"neutral","sentiment_score":0.10038218804531628},{"text":"So you'll obviously have majority of the money in those areas.","start":1154.045,"end":1158.285,"sentiment":"neutral","sentiment_score":0.06831381042403253}],"sentiment":"neutral","sentiment_score":0.08490962384558924,"num_words":77,"start":1132.365,"end":1158.285},{"sentences":[{"text":"If we move to a high group, you'll have 90%, which which could be quite high from from a time frame point of view If you are comfortable with that.","start":1158.285,"end":1169.73,"sentiment":"neutral","sentiment_score":0.22378537158171335},{"text":"Yep.","start":1170.91,"end":1171.41,"sentiment":"neutral","sentiment_score":0.33114132285118103},{"text":"Mhmm.","start":1173.79,"end":1174.29,"sentiment":"neutral","sentiment_score":0.19493725895881653},{"text":"You no.","start":1179.79,"end":1181.335,"sentiment":"neutral","sentiment_score":-0.29148778319358826},{"text":"You are definitely not stuck.","start":1181.335,"end":1182.615,"sentiment":"neutral","sentiment_score":-0.19727164506912231}],"sentiment":"neutral","sentiment_score":0.14539245993663102,"num_words":39,"start":1158.285,"end":1182.615},{"sentences":[{"text":"You definitely can.","start":1182.615,"end":1183.6549,"sentiment":"neutral","sentiment_score":0.1893633008003235},{"text":"The only thing is because we are wanting a time frame, because in a high growth portfolio, the the chance of having a negative year during that time frame is a lot higher than, obviously, in a growth portfolio.","start":1183.6549,"end":1200.7899,"sentiment":"neutral","sentiment_score":-0.24323821077362084},{"text":"So we do like to invest more long term.","start":1201.0099,"end":1203.25,"sentiment":"neutral","sentiment_score":0.0703448462817404},{"text":"So, often, if I have clients who are like, oh, can I just be aggressive for a year and then change?","start":1203.25,"end":1207.2699,"sentiment":"neutral","sentiment_score":0.03619540660154252},{"text":"It's like, yeah.","start":1207.6849,"end":1208.085,"sentiment":"neutral","sentiment_score":-0.04958836113413175}],"sentiment":"neutral","sentiment_score":-0.10231677661339442,"num_words":75,"start":1182.615,"end":1208.085},{"sentences":[{"text":"You'd have to be very lucky that during that one year, it's great, but you could also be unlucky that that's the the time is down.","start":1208.085,"end":1216.345,"sentiment":"neutral","sentiment_score":-0.16377451786628136},{"text":"Then Exactly.","start":1219.765,"end":1221.23,"sentiment":"neutral","sentiment_score":-0.07348830811679363},{"text":"Exactly.","start":1221.77,"end":1222.27,"sentiment":"neutral","sentiment_score":0.00862174667418003},{"text":"So so keep Mhmm.","start":1222.81,"end":1228.43,"sentiment":"neutral","sentiment_score":-0.02692012209445238},{"text":"What Super, you can access at 60 completely without a transition to retirement, 67.","start":1231.69,"end":1240.265,"sentiment":"neutral","sentiment_score":0.15099240147641727}],"sentiment":"neutral","sentiment_score":-0.050857004293418946,"num_words":47,"start":1208.085,"end":1240.265},{"sentences":[{"text":"Even if you wanna keep working, you can still take everything out at 65.","start":1240.265,"end":1243.805,"sentiment":"neutral","sentiment_score":0.11002898854868752},{"text":"67 is age pension if you're eligible for it.","start":1244.105,"end":1247.58,"sentiment":"neutral","sentiment_score":0.07294227141473028},{"text":"Yep.","start":1257.58,"end":1257.98,"sentiment":"neutral","sentiment_score":-0.06581022590398788},{"text":"Correct.","start":1257.98,"end":1258.48,"sentiment":"neutral","sentiment_score":-0.12417983263731004},{"text":"Correct.","start":1261.2051,"end":1261.7051,"sentiment":"neutral","sentiment_score":-0.004136266186833382}],"sentiment":"neutral","sentiment_score":0.0770292291417718,"num_words":26,"start":1240.265,"end":1261.7051},{"sentences":[{"text":"So if you if you completely retire, then you can take everything tax free at 60.","start":1261.765,"end":1268.5851,"sentiment":"neutral","sentiment_score":0.08241141389589757},{"text":"Now if you do retire and then in two years later, you decide now retirement life isn't for me, and you go back to work.","start":1269.925,"end":1278.76,"sentiment":"neutral","sentiment_score":0.051645166277885436},{"text":"That's fine.","start":1278.76,"end":1279.48,"sentiment":"neutral","sentiment_score":0.32143761217594147},{"text":"Because at the time of when you are wanting to take the money out, you have ceased employment.","start":1279.48,"end":1284.62,"sentiment":"neutral","sentiment_score":-0.12467323202225897},{"text":"And at that time, you are not looking at working.","start":1285.08,"end":1287.495,"sentiment":"neutral","sentiment_score":-0.14739502370357513}],"sentiment":"neutral","sentiment_score":-0.0065560761944089135,"num_words":71,"start":1261.765,"end":1287.495},{"sentences":[{"text":"If you want to keep working 65, you can take everything tax free.","start":1289.415,"end":1296.215,"sentiment":"neutral","sentiment_score":0.3147943180340987},{"text":"Between 60 and 65, correct.","start":1296.215,"end":1298.615,"sentiment":"neutral","sentiment_score":0.06755694299936295},{"text":"You can you can work full time and take it all out at 65.","start":1298.615,"end":1301.595,"sentiment":"neutral","sentiment_score":0.14911546717797006},{"text":"But between 60 and sixty five, there are then different strategies you can do to get up to 10% out.","start":1302.215,"end":1308.92,"sentiment":"neutral","sentiment_score":0.12195186968892813},{"text":"Tax free.","start":1310.02,"end":1310.8401,"sentiment":"neutral","sentiment_score":0.33157648891210556}],"sentiment":"neutral","sentiment_score":0.17814662521360097,"num_words":54,"start":1289.415,"end":1310.8401},{"sentences":[{"text":"Yeah.","start":1310.98,"end":1311.48,"sentiment":"neutral","sentiment_score":0.1157102882862091},{"text":"Yep.","start":1314.02,"end":1314.52,"sentiment":"neutral","sentiment_score":0.0869486853480339},{"text":"Or sixty five.","start":1315.795,"end":1316.915,"sentiment":"neutral","sentiment_score":0.030814694240689278},{"text":"65, you can take everything?","start":1316.915,"end":1318.4551,"sentiment":"neutral","sentiment_score":0.0375871017575264},{"text":"Yep.","start":1319.0751,"end":1319.5751,"sentiment":"neutral","sentiment_score":0.08440422266721725}],"sentiment":"neutral","sentiment_score":0.05158570798283273,"num_words":11,"start":1310.98,"end":1319.5751},{"sentences":[{"text":"Mhmm.","start":1327.33,"end":1327.83,"sentiment":"neutral","sentiment_score":0.04297691583633423},{"text":"Yep.","start":1331.33,"end":1331.83,"sentiment":"neutral","sentiment_score":0.14038239419460297},{"text":"Mhmm.","start":1337.1699,"end":1337.6699,"sentiment":"neutral","sentiment_score":-0.015375289134681225},{"text":"Yep.","start":1341.105,"end":1341.605,"sentiment":"neutral","sentiment_score":-0.10892890393733978},{"text":"Yeah.","start":1341.6649,"end":1342.1649,"sentiment":"neutral","sentiment_score":-0.08100461214780807}],"sentiment":"neutral","sentiment_score":-0.004389899037778378,"num_words":5,"start":1327.33,"end":1342.1649},{"sentences":[{"text":"Yeah.","start":1342.865,"end":1343.365,"sentiment":"neutral","sentiment_score":-0.044527918100357056},{"text":"Typically, not.","start":1351.12,"end":1351.84,"sentiment":"neutral","sentiment_score":-0.090724166482687},{"text":"I would say I wouldn't unless you are like, yeah.","start":1351.84,"end":1354.96,"sentiment":"neutral","sentiment_score":-0.07976214364171028},{"text":"No.","start":1354.96,"end":1355.46,"sentiment":"neutral","sentiment_score":-0.04870189726352692},{"text":"I don't mind.","start":1355.76,"end":1356.9,"sentiment":"neutral","sentiment_score":-0.05900716160734495}],"sentiment":"neutral","sentiment_score":-0.07348947468049385,"num_words":17,"start":1342.865,"end":1356.9},{"sentences":[{"text":"Typically, I would say I wouldn't go aggressive with someone unless they are willing to invest it for ten years just because of those fluctuations.","start":1357.52,"end":1366.5851,"sentiment":"neutral","sentiment_score":-0.04648660346865654},{"text":"Yeah.","start":1367.4451,"end":1367.9451,"sentiment":"neutral","sentiment_score":0.0040287114679813385},{"text":"To 60 7.","start":1375.685,"end":1376.8251,"sentiment":"neutral","sentiment_score":0.003430426120758056},{"text":"Well, let me have a look here.","start":1380.5299,"end":1381.8099,"sentiment":"neutral","sentiment_score":0.020001261362007687},{"text":"So you said because at the moment, you're 57.","start":1381.8099,"end":1384.7899,"sentiment":"neutral","sentiment_score":-0.008336104271519516}],"sentiment":"neutral","sentiment_score":-0.02406358235101733,"num_words":45,"start":1357.52,"end":1384.7899},{"sentences":[{"text":"Yeah.","start":1387.4099,"end":1387.89,"sentiment":"neutral","sentiment_score":0.05000532791018486},{"text":"So ten years time, that will be obviously sixty seven.","start":1387.89,"end":1390.95,"sentiment":"neutral","sentiment_score":0.0433772312477231},{"text":"So then that is pushing it a little bit from a time frame point of view.","start":1392.495,"end":1398.3351,"sentiment":"neutral","sentiment_score":0.03698721039108932},{"text":"But at the same time, it's not just about time because it's like, well, it's also if you're willing to take that, then that's fine.","start":1398.3351,"end":1405.78,"sentiment":"neutral","sentiment_score":0.07809423215687275},{"text":"Because I I have some people that, you know, 65 and go, oh, yeah.","start":1405.78,"end":1409.88,"sentiment":"neutral","sentiment_score":0.31739359881196705}],"sentiment":"neutral","sentiment_score":0.11320362415051821,"num_words":66,"start":1387.4099,"end":1409.88},{"sentences":[{"text":"I'm perfectly happy with those fluctuations.","start":1409.9401,"end":1412.12,"sentiment":"positive","sentiment_score":0.6358796854813894},{"text":"Just trying to grow my super, which is fine.","start":1412.74,"end":1414.5801,"sentiment":"positive","sentiment_score":0.4529961446921031},{"text":"And then I also have 20 year olds who go, no.","start":1414.5801,"end":1416.9801,"sentiment":"neutral","sentiment_score":0.043822018429636955},{"text":"No.","start":1416.9801,"end":1417.14,"sentiment":"neutral","sentiment_score":-0.10707521438598631},{"text":"No.","start":1417.14,"end":1417.3,"sentiment":"neutral","sentiment_score":-0.16855290532112122}],"sentiment":"neutral","sentiment_score":0.28923776779057725,"num_words":28,"start":1409.9401,"end":1417.3},{"sentences":[{"text":"I want made you majority in defensive.","start":1417.3,"end":1419.265,"sentiment":"neutral","sentiment_score":-0.11591485674892153},{"text":"I don't feel comfortable at all.","start":1419.265,"end":1420.805,"sentiment":"neutral","sentiment_score":-0.28847448031107586},{"text":"But, basically, just from your reference, in an aggressive portfolio, about one in three years, there's a change a likelihood of a negative return.","start":1422.225,"end":1432.245,"sentiment":"negative","sentiment_score":-0.33977908454835415},{"text":"In a high growth sorry.","start":1432.89,"end":1434.9701,"sentiment":"neutral","sentiment_score":-0.17061357200145721},{"text":"There is also one in between.","start":1434.9701,"end":1436.43,"sentiment":"neutral","sentiment_score":-0.08888499438762665}],"sentiment":"neutral","sentiment_score":-0.25173597363755107,"num_words":48,"start":1417.3,"end":1436.43},{"sentences":[{"text":"So a high growth is one step up from what you are at the moment.","start":1436.73,"end":1439.87,"sentiment":"neutral","sentiment_score":-0.10388777802387873},{"text":"It's about one in five years, we see, in a negative.","start":1440.9701,"end":1447.5651,"sentiment":"neutral","sentiment_score":-0.19738888198679144},{"text":"So that might be a little bit more suitable if you are wanting more growth because a high growth, we say about eight years to retirement.","start":1447.625,"end":1455.005,"sentiment":"neutral","sentiment_score":-0.00906215077982499},{"text":"So it might fit a little bit more with your time frame, but still increasing because a high growth, 90%.","start":1455.625,"end":1463.04,"sentiment":"neutral","sentiment_score":0.11451819017529488},{"text":"You still have about 10% defensive, but you have 90% in those top four.","start":1463.04,"end":1469.6,"sentiment":"neutral","sentiment_score":0.18224621883460454}],"sentiment":"neutral","sentiment_score":0.010193029938395633,"num_words":86,"start":1436.73,"end":1469.6},{"sentences":[{"text":"So majority will go there Because then in a in a balanced growth, we'll see about one sorry.","start":1469.6,"end":1477.745,"sentiment":"neutral","sentiment_score":0.05797510299210747},{"text":"In a growth, you have about one in six years.","start":1477.745,"end":1480.405,"sentiment":"neutral","sentiment_score":0.019424240477383135},{"text":"So if you no.","start":1482.385,"end":1486.32,"sentiment":"neutral","sentiment_score":-0.05206628143787384},{"text":"You go.","start":1486.32,"end":1486.9,"sentiment":"neutral","sentiment_score":-0.07526106014847755},{"text":"Yep.","start":1494.56,"end":1495.06,"sentiment":"neutral","sentiment_score":0.0002569332718849182}],"sentiment":"neutral","sentiment_score":0.025121827024434294,"num_words":35,"start":1469.6,"end":1495.06},{"sentences":[{"text":"Yep.","start":1497.4551,"end":1497.9551,"sentiment":"neutral","sentiment_score":0.06130794808268547},{"text":"Yeah.","start":1500.415,"end":1500.915,"sentiment":"neutral","sentiment_score":0.0688306912779808},{"text":"Yep.","start":1501.6951,"end":1502.1951,"sentiment":"neutral","sentiment_score":0.07689492404460907},{"text":"Yep.","start":1506.975,"end":1507.475,"sentiment":"positive","sentiment_score":0.422990083694458},{"text":"Yep.","start":1507.775,"end":1508.275,"sentiment":"neutral","sentiment_score":0.2263701856136322}],"sentiment":"neutral","sentiment_score":0.1712787665426731,"num_words":5,"start":1497.4551,"end":1508.275},{"sentences":[{"text":"Mhmm.","start":1511.87,"end":1512.37,"sentiment":"neutral","sentiment_score":0.05138898268342018},{"text":"High growth.","start":1523.4349,"end":1524.1749,"sentiment":"neutral","sentiment_score":-0.027504758909344673},{"text":"So there's so, basically, we have aggressive, then high growth.","start":1525.195,"end":1529.1349,"sentiment":"neutral","sentiment_score":0.1263766407966614},{"text":"Growth is where you are right now, and then you have balanced growth and defensive.","start":1529.355,"end":1533.455,"sentiment":"neutral","sentiment_score":0.3220026393731435},{"text":"Now what I can do for you as well, if it's something that you are comfortable seeing a bit of risk, I also wanna make sure that if you don't need to take unnecessary risk, there's no point to doing so.","start":1533.7699,"end":1544.4299,"sentiment":"neutral","sentiment_score":0.15892676173186884}],"sentiment":"neutral","sentiment_score":0.18269829991934955,"num_words":69,"start":1511.87,"end":1544.4299},{"sentences":[{"text":"But if you need to increase the risk a little bit and you are comfortable with that in order to kinda get your super to where you want it to be at the time of retirement, then part of the research is I can have a look at both options for you.","start":1544.6499,"end":1558.9998,"sentiment":"neutral","sentiment_score":0.1381767551199748},{"text":"So I can do one with growth where you are at at the moment with no contributions, reviewing your investments and seeing, okay.","start":1558.9998,"end":1567.83,"sentiment":"neutral","sentiment_score":0.12931279870479004},{"text":"Well, if sorry.","start":1567.8899,"end":1569.49,"sentiment":"neutral","sentiment_score":-0.023635970428586006},{"text":"Did you say about '65 or '67?","start":1569.49,"end":1571.73,"sentiment":"neutral","sentiment_score":-0.04465160146355629},{"text":"When do you think realistically?","start":1571.73,"end":1573.845,"sentiment":"neutral","sentiment_score":-0.038733025267720225}],"sentiment":"neutral","sentiment_score":0.10646945987310674,"num_words":90,"start":1544.6499,"end":1573.845},{"sentences":[{"text":"Okay.","start":1578.865,"end":1579.365,"sentiment":"neutral","sentiment_score":-0.03399408981204033},{"text":"Yeah.","start":1583.745,"end":1584.245,"sentiment":"neutral","sentiment_score":0.027649562805891037},{"text":"Yep.","start":1584.865,"end":1585.17,"sentiment":"neutral","sentiment_score":0.021883077919483185},{"text":"Okay.","start":1586.77,"end":1587.27,"sentiment":"neutral","sentiment_score":0.019726645201444622},{"text":"Sixty seven.","start":1589.49,"end":1590.31,"sentiment":"neutral","sentiment_score":0.028473847545683384}],"sentiment":"neutral","sentiment_score":0.015368815201024214,"num_words":6,"start":1578.865,"end":1590.31},{"sentences":[{"text":"Okay.","start":1590.77,"end":1591.0901,"sentiment":"neutral","sentiment_score":0.3058463931083679},{"text":"Perfect.","start":1591.0901,"end":1591.5901,"sentiment":"positive","sentiment_score":0.4893299341201782},{"text":"So I'll work with one option.","start":1591.81,"end":1595.01,"sentiment":"neutral","sentiment_score":0.2857372984290123},{"text":"I'll assess because I wanna run all the numbers for you as well.","start":1595.01,"end":1597.49,"sentiment":"neutral","sentiment_score":0.29155063973023343},{"text":"Because if it is that, okay, increasing you a little bit to high even if we do one up to a high growth portfolio and seeing how that's gonna change things for you, if that's gonna make quite a big of a difference then and you are comfortable with it, then I will recommend it.","start":1597.49,"end":1612.5,"sentiment":"positive","sentiment_score":0.3748602149161426}],"sentiment":"positive","sentiment_score":0.3541719770353091,"num_words":76,"start":1590.77,"end":1612.5},{"sentences":[{"text":"But if at the same time where you are right now in a growth portfolio, if you are still gonna get to your goal of drawing a thousand dollars per week from retirement at 67, if you're already gonna get there with the level of growth the level of risk you are currently with, there might not be a need to increase it.","start":1612.66,"end":1631.515,"sentiment":"neutral","sentiment_score":-0.018586948188760923},{"text":"Does that make sense?","start":1631.515,"end":1632.575,"sentiment":"neutral","sentiment_score":0.01069121714681387},{"text":"Yeah.","start":1633.355,"end":1633.855,"sentiment":"neutral","sentiment_score":0.03556254878640175},{"text":"Okay.","start":1634.315,"end":1634.815,"sentiment":"neutral","sentiment_score":-0.1093229278922081},{"text":"Yeah.","start":1635.915,"end":1636.415,"sentiment":"neutral","sentiment_score":-0.02810576558113098}],"sentiment":"neutral","sentiment_score":-0.017572557314166,"num_words":70,"start":1612.66,"end":1636.415},{"sentences":[{"text":"Okay.","start":1636.955,"end":1637.275,"sentiment":"neutral","sentiment_score":0.16189910471439362},{"text":"Good.","start":1637.275,"end":1637.775,"sentiment":"positive","sentiment_score":0.369935542345047},{"text":"Yeah.","start":1638.53,"end":1639.03,"sentiment":"neutral","sentiment_score":0.015055995434522629},{"text":"Yeah.","start":1641.97,"end":1642.47,"sentiment":"neutral","sentiment_score":0.009610943496227264},{"text":"Good.","start":1643.89,"end":1644.39,"sentiment":"positive","sentiment_score":0.33688127994537354}],"sentiment":"neutral","sentiment_score":0.1786765731871128,"num_words":5,"start":1636.955,"end":1644.39},{"sentences":[{"text":"Do you wanna grow it?","start":1646.21,"end":1647.25,"sentiment":"neutral","sentiment_score":0.08248228654265403},{"text":"Yes.","start":1647.25,"end":1647.75,"sentiment":"neutral","sentiment_score":0.03589741140604019},{"text":"Yes.","start":1648.45,"end":1648.95,"sentiment":"neutral","sentiment_score":0.11070505529642104},{"text":"Yes.","start":1649.25,"end":1649.65,"sentiment":"neutral","sentiment_score":0.1330372989177704},{"text":"And also with your investments, because a lot of the investments, even though we're talking about growth investments, it's not like we have it in super risky investments.","start":1649.65,"end":1657.135,"sentiment":"neutral","sentiment_score":0.01821569907977911}],"sentiment":"neutral","sentiment_score":0.033391410349092134,"num_words":36,"start":1646.21,"end":1657.135},{"sentences":[{"text":"We don't have speculative investments.","start":1657.135,"end":1659.155,"sentiment":"neutral","sentiment_score":-0.07844156473875045},{"text":"We we don't invest it in, like, direct shares.","start":1660.4149,"end":1663.695,"sentiment":"neutral","sentiment_score":-0.016783162123627134},{"text":"So you put everything into the one option.","start":1663.695,"end":1665.535,"sentiment":"neutral","sentiment_score":0.07616935390979052},{"text":"It's still, like, ETFs where it's still very diversified.","start":1665.535,"end":1668.9801,"sentiment":"neutral","sentiment_score":0.13286594301462173},{"text":"So it's, like, one investment option is still diversified.","start":1669.28,"end":1672.66,"sentiment":"neutral","sentiment_score":0.13197485357522964}],"sentiment":"neutral","sentiment_score":0.06124164294451475,"num_words":40,"start":1657.135,"end":1672.66},{"sentences":[{"text":"You're not putting all the eggs in one basket regardless.","start":1672.88,"end":1675.6201,"sentiment":"neutral","sentiment_score":0.012919553741812705},{"text":"So I'll keep that in mind that you're comfortable with with high growth, seeing where that leaves you, and that at least is one step up, slightly bit of that defensive.","start":1677.92,"end":1686.935,"sentiment":"neutral","sentiment_score":0.1890733439114786},{"text":"And then I'll run the numbers for you as well just to see what that would look like.","start":1687.235,"end":1691.735,"sentiment":"neutral","sentiment_score":0.08539511449635029},{"text":"Yep.","start":1692.915,"end":1693.415,"sentiment":"neutral","sentiment_score":-0.02538367360830307},{"text":"Mhmm.","start":1703.01,"end":1703.51,"sentiment":"neutral","sentiment_score":-0.07065440714359283}],"sentiment":"neutral","sentiment_score":0.12182857670256349,"num_words":61,"start":1672.88,"end":1703.51},{"sentences":[{"text":"Yeah.","start":1703.5701,"end":1704.0701,"sentiment":"neutral","sentiment_score":-0.03569728881120682},{"text":"That's okay.","start":1706.7051,"end":1707.765,"sentiment":"neutral","sentiment_score":-0.018385937437415123},{"text":"Yeah.","start":1709.3451,"end":1709.8251,"sentiment":"neutral","sentiment_score":-0.017591919749975204},{"text":"And because aggressive, typically, we see 100% in growth.","start":1709.8251,"end":1713.025,"sentiment":"neutral","sentiment_score":0.20681283043490517},{"text":"There's no defensive at all.","start":1713.025,"end":1714.7051,"sentiment":"neutral","sentiment_score":0.04406804218888283}],"sentiment":"neutral","sentiment_score":0.1106441445234749,"num_words":18,"start":1703.5701,"end":1714.7051},{"sentences":[{"text":"So, like, no gold, no no fixed interest or anything like that, typically.","start":1714.7051,"end":1718.805,"sentiment":"neutral","sentiment_score":0.05342529771419672},{"text":"Yep.","start":1719.85,"end":1720.35,"sentiment":"positive","sentiment_score":0.3921933174133301},{"text":"Yep.","start":1724.01,"end":1724.51,"sentiment":"neutral","sentiment_score":0.28794777393341064},{"text":"Yep.","start":1728.57,"end":1729.07,"sentiment":"positive","sentiment_score":0.6134297847747803},{"text":"Yes.","start":1730.09,"end":1730.59,"sentiment":"neutral","sentiment_score":0.22318774461746216}],"sentiment":"neutral","sentiment_score":0.1300757347660906,"num_words":17,"start":1714.7051,"end":1730.59},{"sentences":[{"text":"Okay.","start":1731.705,"end":1732.205,"sentiment":"neutral","sentiment_score":0.2401830703020096},{"text":"Alright.","start":1732.905,"end":1733.3049,"sentiment":"neutral","sentiment_score":0.2800980806350708},{"text":"I'll have a look at both I'll have a look at a few options for you, and I can show you I'll make a recommendation on what I think.","start":1733.3049,"end":1739.225,"sentiment":"neutral","sentiment_score":0.23597692826698566},{"text":"But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well for that.","start":1739.225,"end":1747.66,"sentiment":"neutral","sentiment_score":0.22072753735951015},{"text":"Sorry.","start":1747.66,"end":1747.98,"sentiment":"neutral","sentiment_score":0.21771496534347537}],"sentiment":"neutral","sentiment_score":0.2293616347014904,"num_words":60,"start":1731.705,"end":1747.98},{"sentences":[{"text":"That is no problem.","start":1747.98,"end":1749.4401,"sentiment":"neutral","sentiment_score":0.28954504430294037},{"text":"Perfect.","start":1751.8201,"end":1752.3201,"sentiment":"positive","sentiment_score":0.5611723065376282},{"text":"Now going back to the documents while we're in there for you, the next document you can see, which one is that?","start":1753.1,"end":1762.525,"sentiment":"neutral","sentiment_score":0.06483685386113146},{"text":"Yes, please.","start":1765.625,"end":1766.525,"sentiment":"neutral","sentiment_score":0.04228495806455612},{"text":"Yes.","start":1771.88,"end":1772.38,"sentiment":"neutral","sentiment_score":0.0015621352940797806}],"sentiment":"neutral","sentiment_score":0.10772984400391579,"num_words":30,"start":1747.98,"end":1772.38},{"sentences":[{"text":"Yep.","start":1773.0,"end":1773.5,"sentiment":"neutral","sentiment_score":-0.005303709767758846},{"text":"So that one here, you probably saw when you came on board as well.","start":1773.56,"end":1777.64,"sentiment":"neutral","sentiment_score":0.040224501597029824},{"text":"It is one of those compliance documents.","start":1777.64,"end":1779.5,"sentiment":"neutral","sentiment_score":0.06291581158127103},{"text":"It is it just gives you all the important information regarding us here at o q.","start":1781.16,"end":1786.6649,"sentiment":"neutral","sentiment_score":0.08872035751119256},{"text":"So none of the important information has changed since last time, but we've had a bit of an update to our marketing.","start":1786.6649,"end":1792.445,"sentiment":"neutral","sentiment_score":0.029485490681095558}],"sentiment":"neutral","sentiment_score":0.051107608480378985,"num_words":60,"start":1773.0,"end":1792.445},{"sentences":[{"text":"So some of the photos might look a little bit different, and we've also had a bit of extension to the team, which is good.","start":1792.9049,"end":1799.565,"sentiment":"neutral","sentiment_score":0.05524010069668293},{"text":"But if you do wanna scroll through, if you wanna put a face through the voice, which sometimes is nice.","start":1800.1849,"end":1806.84,"sentiment":"neutral","sentiment_score":0.06912952903658151},{"text":"Yeah.","start":1808.8201,"end":1809.3201,"sentiment":"neutral","sentiment_score":0.09884172677993774},{"text":"So sometimes that's nice, obviously, when we're speaking over the phone.","start":1809.4601,"end":1813.16,"sentiment":"neutral","sentiment_score":0.16194887459278107},{"text":"So, yep, there I am.","start":1814.5801,"end":1816.515,"sentiment":"neutral","sentiment_score":0.11114760041236878}],"sentiment":"neutral","sentiment_score":0.08386468463727544,"num_words":62,"start":1792.9049,"end":1816.515},{"sentences":[{"text":"You can see the team as well as you kind of scroll through.","start":1816.515,"end":1820.135,"sentiment":"neutral","sentiment_score":0.0949340072961954},{"text":"But like I said, none of the important information has changed otherwise for you.","start":1820.3551,"end":1824.775,"sentiment":"neutral","sentiment_score":-0.027165795343794992},{"text":"Now the next one there for you, is that your ongoing service agreement?","start":1826.515,"end":1832.33,"sentiment":"neutral","sentiment_score":0.08844920018544564},{"text":"This is a consent to new ongoing Yeah.","start":1832.33,"end":1835.07,"sentiment":"neutral","sentiment_score":0.05067174509167671},{"text":"Beautiful.","start":1836.01,"end":1836.51,"sentiment":"positive","sentiment_score":0.5831314325332642}],"sentiment":"neutral","sentiment_score":0.061064611341120026,"num_words":49,"start":1816.515,"end":1836.51},{"sentences":[{"text":"So that one here, if you're happy to do so, it will ask for your signature.","start":1836.57,"end":1840.27,"sentiment":"neutral","sentiment_score":0.32152513787150383},{"text":"Now what it is, it is to say that you are happy to stay on as a client.","start":1840.57,"end":1845.555,"sentiment":"neutral","sentiment_score":0.32391810996664894},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1846.1951,"end":1850.6951,"sentiment":"neutral","sentiment_score":0.004768628937502702},{"text":"It stays exactly the same at 1.65 from super only, and it is not a lock in contract.","start":1850.755,"end":1858.4551,"sentiment":"neutral","sentiment_score":0.0335298307860891},{"text":"So if at any point in time, you are not happy, it's not a lock in contract.","start":1858.47,"end":1862.33,"sentiment":"neutral","sentiment_score":-0.032945819746922046}],"sentiment":"neutral","sentiment_score":0.1367359228524161,"num_words":81,"start":1836.57,"end":1862.33},{"sentences":[{"text":"But by signing this, it allows us to service your account and manage your investments and everything for you in the meantime.","start":1862.5499,"end":1868.4099,"sentiment":"neutral","sentiment_score":0.16294259002262895},{"text":"Yep.","start":1871.8949,"end":1872.3949,"sentiment":"neutral","sentiment_score":0.2058057487010956},{"text":"Beautiful.","start":1872.5349,"end":1873.0349,"sentiment":"positive","sentiment_score":0.5100243091583252},{"text":"Oh, yes.","start":1876.9349,"end":1877.755,"sentiment":"neutral","sentiment_score":0.09912488609552383},{"text":"And I think that's the only one it will ask you to sign.","start":1878.0549,"end":1880.875,"sentiment":"neutral","sentiment_score":0.07678188068362382}],"sentiment":"neutral","sentiment_score":0.1409482374214209,"num_words":39,"start":1862.5499,"end":1880.875},{"sentences":[{"text":"Oh, yes.","start":1885.27,"end":1885.75,"sentiment":"neutral","sentiment_score":0.07121042534708977},{"text":"Perfect.","start":1885.75,"end":1886.1499,"sentiment":"neutral","sentiment_score":0.12252570688724518},{"text":"Does it say validating?","start":1886.1499,"end":1887.61,"sentiment":"neutral","sentiment_score":0.03614105097949505},{"text":"Okay.","start":1892.39,"end":1892.89,"sentiment":"neutral","sentiment_score":0.00793628953397274},{"text":"No.","start":1894.47,"end":1894.7899,"sentiment":"neutral","sentiment_score":-0.07381613552570343}],"sentiment":"neutral","sentiment_score":0.038181212834186025,"num_words":9,"start":1885.27,"end":1894.7899},{"sentences":[{"text":"Usually, it'll take a little bit it'll take a little bit just to come through on my end.","start":1894.7899,"end":1898.725,"sentiment":"neutral","sentiment_score":-0.045150665980246335},{"text":"But while I wait for that to come through, I'll just go through the rest of the fact find to see if there's anything else that's changed that we need to factor into the advice.","start":1898.725,"end":1907.0449,"sentiment":"neutral","sentiment_score":0.05585042642695563},{"text":"And, yes, I can see that's come through right now.","start":1907.0449,"end":1909.205,"sentiment":"neutral","sentiment_score":0.1771148219704628},{"text":"So that's great.","start":1909.205,"end":1909.9249,"sentiment":"positive","sentiment_score":0.473077654838562},{"text":"So thank you so much for that, Ricky.","start":1909.9249,"end":1911.865,"sentiment":"positive","sentiment_score":0.6350417658686638}],"sentiment":"neutral","sentiment_score":0.12719957092525186,"num_words":74,"start":1894.7899,"end":1911.865},{"sentences":[{"text":"Now, otherwise, when it comes to your personal information, I have you down here as married with no financial dependence.","start":1913.63,"end":1923.25,"sentiment":"neutral","sentiment_score":0.11083982326090336},{"text":"Is that correct?","start":1923.31,"end":1924.13,"sentiment":"neutral","sentiment_score":0.10281730939944585},{"text":"Yep.","start":1925.6449,"end":1926.1449,"sentiment":"neutral","sentiment_score":0.169454425573349},{"text":"Perfect.","start":1926.2849,"end":1926.7849,"sentiment":"positive","sentiment_score":0.33676448464393616},{"text":"And next up, Ken, I have Tony nominated.","start":1926.845,"end":1929.985,"sentiment":"neutral","sentiment_score":0.2097577378153801}],"sentiment":"neutral","sentiment_score":0.14271300624717365,"num_words":33,"start":1913.63,"end":1929.985},{"sentences":[{"text":"That's correct as well.","start":1930.125,"end":1931.4249,"sentiment":"neutral","sentiment_score":0.26334764435887337},{"text":"Beautiful.","start":1934.445,"end":1934.945,"sentiment":"neutral","sentiment_score":0.3102369010448456},{"text":"Now I don't actually have his phone number listed on file.","start":1935.485,"end":1939.6649,"sentiment":"neutral","sentiment_score":-0.03326720930635929},{"text":"Would you mind providing that to me?","start":1940.35,"end":1942.2899,"sentiment":"neutral","sentiment_score":-0.014172807202807494},{"text":"Yep.","start":1943.71,"end":1944.21,"sentiment":"neutral","sentiment_score":0.013079755008220673}],"sentiment":"neutral","sentiment_score":0.03798159502912313,"num_words":24,"start":1930.125,"end":1944.21},{"sentences":[{"text":"Double eight.","start":1946.19,"end":1947.07,"sentiment":"neutral","sentiment_score":0.011642422992736101},{"text":"Yep.","start":1947.07,"end":1947.57,"sentiment":"neutral","sentiment_score":0.010459745302796364},{"text":"Zero double five.","start":1949.63,"end":1950.6699,"sentiment":"neutral","sentiment_score":0.007796341398109992},{"text":"Yep.","start":1950.6699,"end":1951.1699,"sentiment":"neutral","sentiment_score":0.012825075536966324},{"text":"222.","start":1953.085,"end":1953.985,"sentiment":"neutral","sentiment_score":0.024260688573122025}],"sentiment":"neutral","sentiment_score":0.011777422449085861,"num_words":8,"start":1946.19,"end":1953.985},{"sentences":[{"text":"Perfect.","start":1954.205,"end":1954.6849,"sentiment":"positive","sentiment_score":0.6243417859077454},{"text":"Thank you so much.","start":1954.6849,"end":1955.985,"sentiment":"positive","sentiment_score":0.7234888821840286},{"text":"It's only just in the event for some reason we cannot get in touch with you at all.","start":1956.125,"end":1960.125,"sentiment":"neutral","sentiment_score":0.07796559255156252},{"text":"It's only then we would we would give him a call.","start":1960.125,"end":1962.465,"sentiment":"neutral","sentiment_score":0.01157453495331786},{"text":"Correct.","start":1965.1,"end":1965.6,"sentiment":"neutral","sentiment_score":0.043844155967235565}],"sentiment":"neutral","sentiment_score":0.1455097720293062,"num_words":35,"start":1954.205,"end":1965.6},{"sentences":[{"text":"Yes.","start":1966.46,"end":1966.94,"sentiment":"neutral","sentiment_score":0.054986223578453064},{"text":"Okay.","start":1966.94,"end":1967.26,"sentiment":"neutral","sentiment_score":0.03353610634803772},{"text":"Sorry.","start":1967.26,"end":1967.76,"sentiment":"neutral","sentiment_score":-0.027806907892227173},{"text":"What was that?","start":1969.82,"end":1970.46,"sentiment":"neutral","sentiment_score":-0.044420906653006874},{"text":"Sorry?","start":1970.46,"end":1970.96,"sentiment":"neutral","sentiment_score":-0.052047304809093475}],"sentiment":"neutral","sentiment_score":-0.01779922896197864,"num_words":7,"start":1966.46,"end":1970.96},{"sentences":[{"text":"Mhmm.","start":1973.74,"end":1974.24,"sentiment":"neutral","sentiment_score":-0.05260741710662842},{"text":"Let me triple check.","start":1978.635,"end":1979.915,"sentiment":"neutral","sentiment_score":0.011436093132942915},{"text":"It depends on the type of nomination that you did.","start":1979.915,"end":1982.715,"sentiment":"neutral","sentiment_score":0.028575965762138368},{"text":"Let me triple check on your account.","start":1982.715,"end":1983.915,"sentiment":"neutral","sentiment_score":0.034194001129695346},{"text":"But, yes, I can see that Tony is down at a 100% nominated, which is correct.","start":1983.915,"end":1988.64,"sentiment":"neutral","sentiment_score":0.17177442414686084}],"sentiment":"neutral","sentiment_score":0.08596435282379389,"num_words":38,"start":1973.74,"end":1988.64},{"sentences":[{"text":"If something ever woulda happened to you, it will a 100% go to him.","start":1988.72,"end":1992.16,"sentiment":"neutral","sentiment_score":0.2298711666039058},{"text":"And because he is your spouse, it will be tax free, which is great.","start":1992.16,"end":1996.34,"sentiment":"positive","sentiment_score":0.39332975447177887},{"text":"Now in terms of actually come how often you have to complete it, it depends on which nomination you actually made.","start":1996.72,"end":2004.705,"sentiment":"neutral","sentiment_score":0.11924777570224944},{"text":"So, yes, you did a lapsing nomination, which does mean that every three years, you have to complete it.","start":2004.705,"end":2011.605,"sentiment":"neutral","sentiment_score":0.10706766381075508},{"text":"So, normally, we would touch base with you to say, hey.","start":2017.0399,"end":2020.08,"sentiment":"neutral","sentiment_score":0.03218275782736865}],"sentiment":"neutral","sentiment_score":0.17237103966218006,"num_words":79,"start":1988.72,"end":2020.08},{"sentences":[{"text":"It's expired or expiring.","start":2020.08,"end":2022.02,"sentiment":"neutral","sentiment_score":-0.0006226276163943112},{"text":"Do you wanna renew it?","start":2023.0399,"end":2024.48,"sentiment":"neutral","sentiment_score":0.020921326987445355},{"text":"So the expiry date, Yes.","start":2024.48,"end":2027.865,"sentiment":"neutral","sentiment_score":0.04932762458920479},{"text":"You yes.","start":2027.865,"end":2031.805,"sentiment":"neutral","sentiment_score":0.08973860368132591},{"text":"Yes.","start":2032.025,"end":2032.425,"sentiment":"neutral","sentiment_score":0.11516549438238144}],"sentiment":"neutral","sentiment_score":0.03784687936251216,"num_words":17,"start":2020.08,"end":2032.425},{"sentences":[{"text":"So you can change it to a non lapsing, which means it stays in place until you decide to change it.","start":2032.425,"end":2038.68,"sentiment":"neutral","sentiment_score":0.10132772546438944},{"text":"Yes.","start":2040.68,"end":2041.18,"sentiment":"neutral","sentiment_score":0.05536748468875885},{"text":"You do, unfortunately, because it is changing a legal nomination.","start":2042.4401,"end":2045.7401,"sentiment":"neutral","sentiment_score":-0.2602439284324646},{"text":"I can get the form prefilled for you.","start":2046.76,"end":2049.96,"sentiment":"neutral","sentiment_score":0.06590527482330799},{"text":"So, obviously, prefilled Tony's information, change it to nonlapsing binding.","start":2049.96,"end":2055.955,"sentiment":"neutral","sentiment_score":0.03200784791260958}],"sentiment":"neutral","sentiment_score":0.008562622256577015,"num_words":50,"start":2032.425,"end":2055.955},{"sentences":[{"text":"Do you have access to a printer, or do you prefer post?","start":2057.5352,"end":2060.995,"sentiment":"neutral","sentiment_score":0.010586250107735395},{"text":"Do you wanna try?","start":2068.75,"end":2069.81,"sentiment":"neutral","sentiment_score":-0.022041167598217726},{"text":"Okay.","start":2070.03,"end":2070.53,"sentiment":"neutral","sentiment_score":0.014161868020892143},{"text":"Okay.","start":2073.55,"end":2074.05,"sentiment":"neutral","sentiment_score":0.0212814137339592},{"text":"Let me know, and we'll get it.","start":2074.75,"end":2076.3699,"sentiment":"neutral","sentiment_score":0.05028928656663213}],"sentiment":"neutral","sentiment_score":0.017053544744849203,"num_words":25,"start":2057.5352,"end":2076.3699},{"sentences":[{"text":"Yep.","start":2076.51,"end":2076.83,"sentiment":"neutral","sentiment_score":0.29890793561935425},{"text":"Beautiful.","start":2076.83,"end":2077.23,"sentiment":"positive","sentiment_score":0.6045331358909607},{"text":"So what I'll do then is I will get the team to email that to you.","start":2077.23,"end":2080.53,"sentiment":"positive","sentiment_score":0.35735846869647503},{"text":"We'll prefill it to make it nice and easy.","start":2080.545,"end":2082.7249,"sentiment":"positive","sentiment_score":0.41229355997509426},{"text":"You just need to print it off, get it witnessed by two people, and then you could just scan it and send it back, and I'll upload that to Hub 24, and that will then stay in place.","start":2083.345,"end":2093.7449,"sentiment":"neutral","sentiment_score":0.2820423249351351}],"sentiment":"neutral","sentiment_score":0.3238373378148446,"num_words":65,"start":2076.51,"end":2093.7449},{"sentences":[{"text":"You don't even have to keep an eye on time frames or anything like that.","start":2093.7449,"end":2097.2698,"sentiment":"neutral","sentiment_score":0.15986179957787197},{"text":"It's just, obviously, if your situation ever change, just let us know.","start":2097.2698,"end":2100.89,"sentiment":"neutral","sentiment_score":0.11044675453255574},{"text":"Yep.","start":2101.43,"end":2101.93,"sentiment":"neutral","sentiment_score":0.21512264013290405},{"text":"Beautiful.","start":2103.2698,"end":2103.7698,"sentiment":"positive","sentiment_score":0.6837257742881775},{"text":"That's what most people do as well just so they don't have to have to remember it just in case.","start":2103.8298,"end":2108.49,"sentiment":"neutral","sentiment_score":0.2580135659314692}],"sentiment":"neutral","sentiment_score":0.19964097512467782,"num_words":49,"start":2093.7449,"end":2108.49},{"sentences":[{"text":"So we will get that updated.","start":2109.7852,"end":2111.645,"sentiment":"neutral","sentiment_score":0.07810681996246178},{"text":"Otherwise, let me see here.","start":2113.465,"end":2116.0452,"sentiment":"neutral","sentiment_score":-0.010598253086209297},{"text":"Expenses and savings per week was obviously probably a little bit different for you to what it used to be.","start":2118.5852,"end":2124.28,"sentiment":"neutral","sentiment_score":-0.06951901037245989},{"text":"Are you do you know roughly, like, your total bills and expenses and stuff per week or month or fortnightly?","start":2125.78,"end":2131.56,"sentiment":"neutral","sentiment_score":-0.012078207731246949},{"text":"I'm not sure.","start":2131.7,"end":2132.68,"sentiment":"neutral","sentiment_score":-0.08521599819262822}],"sentiment":"neutral","sentiment_score":-0.02725819819089439,"num_words":54,"start":2109.7852,"end":2132.68},{"sentences":[{"text":"No.","start":2134.275,"end":2134.4348,"sentiment":"neutral","sentiment_score":-0.0984463319182396},{"text":"That's all good.","start":2134.4348,"end":2135.415,"sentiment":"neutral","sentiment_score":-0.11802870035171509},{"text":"Yeah.","start":2135.9548,"end":2136.4548,"sentiment":"neutral","sentiment_score":-0.029832445085048676},{"text":"Mhmm.","start":2140.595,"end":2141.095,"sentiment":"neutral","sentiment_score":-0.04938644170761109},{"text":"And then you read your stew and everything.","start":2142.9949,"end":2146.135,"sentiment":"neutral","sentiment_score":-0.002669294597581029}],"sentiment":"neutral","sentiment_score":-0.039507548324763775,"num_words":14,"start":2134.275,"end":2146.135},{"sentences":[{"text":"That's all good.","start":2146.515,"end":2147.4949,"sentiment":"neutral","sentiment_score":0.23704580714305243},{"text":"Yeah.","start":2149.06,"end":2149.56,"sentiment":"neutral","sentiment_score":-0.027239907532930378},{"text":"Oh, that's fine.","start":2156.82,"end":2157.88,"sentiment":"neutral","sentiment_score":0.04257465526461601},{"text":"Yeah.","start":2159.38,"end":2159.88,"sentiment":"neutral","sentiment_score":-0.008995218202471733},{"text":"Yes.","start":2162.085,"end":2162.585,"sentiment":"neutral","sentiment_score":-0.00921278540045023}],"sentiment":"neutral","sentiment_score":0.08815705289857255,"num_words":9,"start":2146.515,"end":2162.585},{"sentences":[{"text":"Yeah.","start":2162.805,"end":2163.305,"sentiment":"neutral","sentiment_score":-0.0734361857175827},{"text":"Yeah.","start":2166.325,"end":2166.825,"sentiment":"neutral","sentiment_score":-0.014802641235291958},{"text":"Yeah.","start":2166.885,"end":2167.385,"sentiment":"neutral","sentiment_score":-0.016722895205020905},{"text":"No.","start":2167.445,"end":2167.685,"sentiment":"neutral","sentiment_score":-0.05362579599022865},{"text":"That's fine.","start":2167.685,"end":2168.405,"sentiment":"neutral","sentiment_score":0.019986878149211407}],"sentiment":"neutral","sentiment_score":-0.019768960308283567,"num_words":6,"start":2162.805,"end":2168.405},{"sentences":[{"text":"It it it's like that for most people as well, especially nowadays.","start":2168.405,"end":2172.585,"sentiment":"neutral","sentiment_score":-0.02081492085320254},{"text":"Yeah.","start":2173.29,"end":2173.79,"sentiment":"neutral","sentiment_score":-0.07847899198532104},{"text":"Yep.","start":2176.8901,"end":2177.3901,"sentiment":"neutral","sentiment_score":-0.04063787683844566},{"text":"Always.","start":2179.77,"end":2180.27,"sentiment":"neutral","sentiment_score":-0.033639900386333466},{"text":"Yes.","start":2183.69,"end":2184.17,"sentiment":"neutral","sentiment_score":0.018863391131162643}],"sentiment":"neutral","sentiment_score":-0.023979526769835502,"num_words":16,"start":2168.405,"end":2184.17},{"sentences":[{"text":"No.","start":2184.17,"end":2184.4102,"sentiment":"neutral","sentiment_score":-0.01852396130561829},{"text":"That is totally fine.","start":2184.4102,"end":2185.87,"sentiment":"neutral","sentiment_score":0.05435807630419731},{"text":"Assets and liabilities 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one be worth, would you say?","start":2201.8699,"end":2204.29,"sentiment":"neutral","sentiment_score":0.04743771068751812}],"sentiment":"neutral","sentiment_score":0.0573491942794884,"num_words":17,"start":2193.7751,"end":2204.29},{"sentences":[{"text":"85.","start":2206.1099,"end":2207.01,"sentiment":"neutral","sentiment_score":0.017684394493699074},{"text":"Perfect.","start":2208.43,"end":2208.93,"sentiment":"neutral","sentiment_score":0.276216983795166},{"text":"And anything owing on 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yeah.","start":2222.4849,"end":2223.145,"sentiment":"neutral","sentiment_score":0.005270676687359811},{"text":"Okay.","start":2225.4402,"end":2225.9402,"sentiment":"neutral","sentiment_score":0.03121991455554962}],"sentiment":"neutral","sentiment_score":0.017586249758356383,"num_words":14,"start":2213.925,"end":2225.9402},{"sentences":[{"text":"Yep.","start":2226.0,"end":2226.5,"sentiment":"neutral","sentiment_score":0.03414272516965866},{"text":"Yes.","start":2231.12,"end":2231.62,"sentiment":"neutral","sentiment_score":0.09565052390098572},{"text":"Oh, beautiful.","start":2232.0,"end":2232.74,"sentiment":"positive","sentiment_score":0.41784408688545227},{"text":"And no rent, which is nice.","start":2232.8,"end":2234.34,"sentiment":"neutral","sentiment_score":0.17836225032806396},{"text":"Now any other, like, savings in the bank or motorbikes or boats or anything else?","start":2236.7249,"end":2242.505,"sentiment":"neutral","sentiment_score":0.06347554152210554}],"sentiment":"neutral","sentiment_score":0.11951152190566063,"num_words":25,"start":2226.0,"end":2242.505},{"sentences":[{"text":"Yep.","start":2244.085,"end":2244.585,"sentiment":"neutral","sentiment_score":0.0039969380013644695},{"text":"Oh, yeah.","start":2250.74,"end":2251.22,"sentiment":"neutral","sentiment_score":0.09773284941911697},{"text":"Perfect.","start":2251.22,"end":2251.72,"sentiment":"neutral","sentiment_score":0.257660835981369},{"text":"And any other liabilities?","start":2252.66,"end":2254.6,"sentiment":"neutral","sentiment_score":0.07013999414630234},{"text":"Like, any other personal loans, credit cards, 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then.","start":2270.115,"end":2270.9949,"sentiment":"neutral","sentiment_score":0.32771728932857513},{"text":"Yep.","start":2270.9949,"end":2271.2349,"sentiment":"neutral","sentiment_score":0.26323866844177246},{"text":"Yep.","start":2271.2349,"end":2271.555,"sentiment":"neutral","sentiment_score":0.26535189151763916},{"text":"A lot of people do that as well, especially, like, accumulating points and different things.","start":2271.555,"end":2275.56,"sentiment":"neutral","sentiment_score":0.3073413074016571},{"text":"Yeah.","start":2278.2,"end":2278.7,"sentiment":"neutral","sentiment_score":0.08353568613529205}],"sentiment":"neutral","sentiment_score":0.29695977338335733,"num_words":22,"start":2270.115,"end":2278.7},{"sentences":[{"text":"Not too bad.","start":2279.96,"end":2280.94,"sentiment":"neutral","sentiment_score":-0.032170346627632775},{"text":"Oh, yay.","start":2281.8,"end":2282.7,"sentiment":"neutral","sentiment_score":0.14412784948945045},{"text":"Where do you guys have a 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good?","start":2318.185,"end":2324.365,"sentiment":"neutral","sentiment_score":0.0035353744668619974}],"sentiment":"neutral","sentiment_score":0.022382937889132235,"num_words":36,"start":2312.23,"end":2324.365},{"sentences":[{"text":"No.","start":2324.905,"end":2325.305,"sentiment":"neutral","sentiment_score":-0.03409470617771149},{"text":"Beautiful.","start":2325.305,"end":2325.805,"sentiment":"neutral","sentiment_score":0.1248147040605545},{"text":"And do you have private health insurance?","start":2327.065,"end":2328.685,"sentiment":"neutral","sentiment_score":0.0038362922413008554},{"text":"No.","start":2331.04,"end":2331.52,"sentiment":"neutral","sentiment_score":-0.03141545504331589},{"text":"That's all good.","start":2331.52,"end":2332.74,"sentiment":"neutral","sentiment_score":0.049328695982694626}],"sentiment":"neutral","sentiment_score":0.01801112895974746,"num_words":13,"start":2324.905,"end":2332.74},{"sentences":[{"text":"And estate planning, obviously, we've already touched on your beneficiaries for super, but do you have a will or power of attorney or anything else in place?","start":2334.48,"end":2342.18,"sentiment":"neutral","sentiment_score":0.028570790878600545},{"text":"Oh, great.","start":2345.815,"end":2346.555,"sentiment":"neutral","sentiment_score":0.09176183678209782},{"text":"Perfect.","start":2349.575,"end":2349.9749,"sentiment":"neutral","sentiment_score":0.2647744417190552},{"text":"And do you know if you made a, nomination for power of attorney at the same time as part of the will?","start":2349.9749,"end":2355.4148,"sentiment":"neutral","sentiment_score":0.04419852454553951},{"text":"Do you know?","start":2355.4148,"end":2356.155,"sentiment":"neutral","sentiment_score":0.00786537646005551}],"sentiment":"neutral","sentiment_score":0.040284966152500025,"num_words":55,"start":2334.48,"end":2356.155},{"sentences":[{"text":"Not sure?","start":2361.0498,"end":2361.71,"sentiment":"neutral","sentiment_score":-0.0382792130112648},{"text":"No?","start":2370.105,"end":2370.605,"sentiment":"neutral","sentiment_score":-0.08965948224067688},{"text":"Power of attorney.","start":2371.625,"end":2372.345,"sentiment":"neutral","sentiment_score":-0.03311949782073498},{"text":"Yeah.","start":2372.345,"end":2372.585,"sentiment":"neutral","sentiment_score":-0.04733705520629883},{"text":"Sorry.","start":2372.585,"end":2373.085,"sentiment":"neutral","sentiment_score":-0.0898941308259964}],"sentiment":"neutral","sentiment_score":-0.05035094846971333,"num_words":8,"start":2361.0498,"end":2373.085},{"sentences":[{"text":"Like, obviously, someone who makes financial decisions or medical decisions if you're ever unable to do 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beautiful.","start":2436.6301,"end":2437.61,"sentiment":"neutral","sentiment_score":0.1826453978816668},{"text":"No.","start":2440.3901,"end":2440.8901,"sentiment":"neutral","sentiment_score":-0.16570249199867249}],"sentiment":"neutral","sentiment_score":0.06489214899816684,"num_words":7,"start":2427.585,"end":2440.8901},{"sentences":[{"text":"No.","start":2445.205,"end":2445.605,"sentiment":"neutral","sentiment_score":-0.2610165476799011},{"text":"Not at all.","start":2445.605,"end":2446.585,"sentiment":"neutral","sentiment_score":-0.2959295908610026},{"text":"Yeah.","start":2447.045,"end":2447.525,"sentiment":"neutral","sentiment_score":-0.014301711693406103},{"text":"No.","start":2447.525,"end":2448.025,"sentiment":"neutral","sentiment_score":0.01311834156513214},{"text":"Very, very good 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good.","start":2458.92,"end":2459.9,"sentiment":"neutral","sentiment_score":-0.14613759766022363},{"text":"Yeah.","start":2460.44,"end":2460.94,"sentiment":"neutral","sentiment_score":-0.010781334713101389},{"text":"Yeah.","start":2467.32,"end":2467.64,"sentiment":"neutral","sentiment_score":0.07833624631166458}],"sentiment":"neutral","sentiment_score":0.053690658092047226,"num_words":33,"start":2451.125,"end":2467.64},{"sentences":[{"text":"So I'll actually book in an appointment with you because I would like to go through it with you over the phone because there's quite a bit of information.","start":2467.64,"end":2474.045,"sentiment":"neutral","sentiment_score":0.11949434352974439},{"text":"I will send you the document anyway so that you can take it away and have a read over it.","start":2474.1848,"end":2478.525,"sentiment":"neutral","sentiment_score":0.10428716205060481},{"text":"Now when is a good time for you?","start":2480.265,"end":2483.065,"sentiment":"neutral","sentiment_score":0.16933834180235863},{"text":"It will take me about a week and a half to put it all together.","start":2483.065,"end":2488.285,"sentiment":"neutral","sentiment_score":0.14817652702331544},{"text":"Oh, yes.","start":2499.07,"end":2499.55,"sentiment":"neutral","sentiment_score":0.21718674153089523}],"sentiment":"neutral","sentiment_score":0.1292271260297983,"num_words":74,"start":2467.64,"end":2499.55},{"sentences":[{"text":"Perfect.","start":2499.55,"end":2500.05,"sentiment":"positive","sentiment_score":0.4799236059188843},{"text":"Let yeah.","start":2500.11,"end":2501.3901,"sentiment":"neutral","sentiment_score":0.15506936609745026},{"text":"I could probably do the week before if you needed to.","start":2501.3901,"end":2504.29,"sentiment":"neutral","sentiment_score":0.09679373489184813},{"text":"You 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time.","start":2512.9849,"end":2515.545,"sentiment":"neutral","sentiment_score":0.04315431490540504}],"sentiment":"neutral","sentiment_score":0.04157312434505333,"num_words":22,"start":2507.7048,"end":2515.545},{"sentences":[{"text":"I like it.","start":2515.545,"end":2516.365,"sentiment":"positive","sentiment_score":0.4411216179529826},{"text":"No.","start":2519.3848,"end":2519.8848,"sentiment":"neutral","sentiment_score":-0.04175548255443573},{"text":"Easy.","start":2521.01,"end":2521.51,"sentiment":"neutral","sentiment_score":0.017754387110471725},{"text":"Okay.","start":2521.97,"end":2522.47,"sentiment":"neutral","sentiment_score":0.01942238211631775},{"text":"Let me have a look here.","start":2522.8499,"end":2524.23,"sentiment":"neutral","sentiment_score":0.03763620524356762}],"sentiment":"neutral","sentiment_score":0.12871694766605893,"num_words":12,"start":2515.545,"end":2524.23},{"sentences":[{"text":"Works.","start":2526.05,"end":2526.55,"sentiment":"neutral","sentiment_score":0.11219694465398788},{"text":"Okay.","start":2526.8499,"end":2527.17,"sentiment":"neutral","sentiment_score":0.0613701231777668},{"text":"Let me have a look.","start":2527.17,"end":2527.97,"sentiment":"neutral","sentiment_score":0.06734753400087357},{"text":"I could do Tuesday the thirtieth or Wednesday the first.","start":2527.97,"end":2532.07,"sentiment":"neutral","sentiment_score":0.05804298929870129},{"text":"I could do either.","start":2533.755,"end":2535.9348,"sentiment":"neutral","sentiment_score":0.04940682649612427}],"sentiment":"neutral","sentiment_score":0.06135056841941107,"num_words":21,"start":2526.05,"end":2535.9348},{"sentences":[{"text":"Does morning, afternoon typically work best for you?","start":2536.395,"end":2539.055,"sentiment":"neutral","sentiment_score":0.06357851158827543},{"text":"Afternoon?","start":2540.635,"end":2541.135,"sentiment":"neutral","sentiment_score":0.01230853796005249},{"text":"Okay.","start":2541.515,"end":2542.015,"sentiment":"neutral","sentiment_score":0.03244972974061966},{"text":"So I could do 04:00, birthday, so Tuesday the thirtieth or Wednesday the first.","start":2542.315,"end":2548.575,"sentiment":"neutral","sentiment_score":0.03683463164738247},{"text":"Yep.","start":2551.41,"end":2551.91,"sentiment":"neutral","sentiment_score":0.04680785536766052}],"sentiment":"neutral","sentiment_score":0.044635162353515626,"num_words":25,"start":2536.395,"end":2551.91},{"sentences":[{"text":"Wednesday the first.","start":2551.97,"end":2553.27,"sentiment":"neutral","sentiment_score":0.026817797993620236},{"text":"04:00.","start":2554.61,"end":2555.17,"sentiment":"neutral","sentiment_score":0.01569281704723835},{"text":"Yeah.","start":2555.17,"end":2555.41,"sentiment":"neutral","sentiment_score":0.04435837268829346},{"text":"Four PM, if that works.","start":2555.41,"end":2556.95,"sentiment":"neutral","sentiment_score":0.07517082244157791},{"text":"Yep.","start":2557.97,"end":2558.47,"sentiment":"positive","sentiment_score":0.4333485960960388}],"sentiment":"neutral","sentiment_score":0.0863370265473019,"num_words":11,"start":2551.97,"end":2558.47},{"sentences":[{"text":"Perfect.","start":2558.61,"end":2559.11,"sentiment":"positive","sentiment_score":0.5871049165725708},{"text":"Now if anything does change and you have something coming up and you can't make it, just send me an email or or give the office a call, and we can always get that rescheduled.","start":2559.57,"end":2570.335,"sentiment":"neutral","sentiment_score":0.029370419681072235},{"text":"But, otherwise, that is booked in on Wednesday, July 1, which was crazy, at four PM 4PM.","start":2571.675,"end":2580.3699,"sentiment":"neutral","sentiment_score":-0.04540685564279556},{"text":"Oh, yes.","start":2581.5498,"end":2584.93,"sentiment":"neutral","sentiment_score":0.07234333455562592},{"text":"Oh, I appreciate that very much.","start":2585.5498,"end":2588.2898,"sentiment":"positive","sentiment_score":0.5732348896563053}],"sentiment":"neutral","sentiment_score":0.07257785354969931,"num_words":61,"start":2558.61,"end":2588.2898},{"sentences":[{"text":"I should have it ready by then, but I will I will let you know.","start":2588.51,"end":2591.0698,"sentiment":"positive","sentiment_score":0.3383893092473348},{"text":"But I appreciate you being so accommodating.","start":2591.0698,"end":2592.855,"sentiment":"positive","sentiment_score":0.4935000794274466},{"text":"And, yeah, I look forward to speaking with you then.","start":2594.775,"end":2597.015,"sentiment":"positive","sentiment_score":0.6488064795732498},{"text":"But if there's anything that changes or you need anything else from me in the meantime, don't hesitate to give me a call.","start":2597.015,"end":2602.295,"sentiment":"neutral","sentiment_score":0.20619205612203348},{"text":"Okay?","start":2602.295,"end":2602.795,"sentiment":"neutral","sentiment_score":0.2265227735042572}],"sentiment":"positive","sentiment_score":0.3569168759776013,"num_words":56,"start":2588.51,"end":2602.795},{"sentences":[{"text":"No problem at all.","start":2604.963,"end":2606.083,"sentiment":"positive","sentiment_score":0.42055732756853104},{"text":"We'll speak then.","start":2606.083,"end":2607.063,"sentiment":"positive","sentiment_score":0.3510093291600545},{"text":"You too.","start":2607.523,"end":2608.343,"sentiment":"neutral","sentiment_score":0.2577357590198517},{"text":"Bye.","start":2608.563,"end":2609.063,"sentiment":"neutral","sentiment_score":0.14676620066165924}],"sentiment":"positive","sentiment_score":0.33974950164556506,"num_words":10,"start":2604.963,"end":2609.063}]}}]},{"alternatives":[{"transcript":"Eric speaking. Hello? Thank you. How are you? Who is this, sir? Oh, hi, Frank. How are you? I'm very well. You're very fine, too. I can very very barely hear you. Alright. Oh, yeah. A little bit a little bit better. It's okay. That's alright. Yeah. Tell him to get for a cigarette. Yeah. Yeah. That's fine. That's no no problem. Yep. No worries. I'm jeez. It's been a while. Must be Charlie. Yeah. Okay. Cool. Alright. Perfect. Yeah. That's fine. I'll I'll forget if I change it now. I mean, my situation's changed since we signed up. I signed up with you guys. So before I was working now, I've kind of just semi retired. So I'm kind of, yeah, not getting a regular super contributing anymore from a work. I do do contract work every now and again, but haven't done any just yet. But that's kind of like the only thing that's changed since. Yep. Yeah. I mean, I'm living on, like, savings as such, but, yeah, like, the contract works more to just keep me a little bit busy every now and again to keep me relevant in the industry. So it's sort of yeah. I don't wanna sort of I'm still I'm not there. I'm 57 now. So I thought, well, you know, I have the opportunity to come back on work, which is great. So yeah. But and then I've got enough people that sort of still want me to sort of help here and there, so they sort of just offer me work every now and again. They're just picking choosing where I wanna when I wanna work, basically. Mhmm. Yeah. Pretty much so. Yeah. Okay. Cool. Oh, so that's from 60. Yeah? Yeah. Yep. Yeah. Well, of course, things look changed a lot from my end since yeah. So I was just fortunate enough to been able to to take a step back from work and just work here and there. So yeah. So that's obviously yeah. If I can retire now fully, that'd be great. I mean, I can't fully retire now. No dramas. Just working is just to keep me busy every now and again and give me something to do, basically. Instead of being locked to your work, I wanna sort of work I don't wanna work to leave. I wanna leave to work. Does that make sense? Yeah? Yep. Yeah. Let's look at that for this stage. I mean, it's three years away before I even consider pulling anything from super, so that may change. But, yeah, that's that's fine at this stage. I mean, I've yeah. Some Yep. Not right now at this stage. I'm just living off savings, if that's alright. But I just like, I'm not sure if the fund that's in is a non contributing fund as well, whether that's what they want. Yeah. Yep. Of course. Okay. Yeah. So that'll still sort of grow a lot slower, obviously. But, yeah, it went not as yeah. Exactly. So it still will move up over time. Yeah. You will I will still see it increasing, but, yeah, just not as rapidly, I guess, as what if I was contributing. So that that's fine. At this stage, it's fine. But consent, I'm yeah. I mean, I've hopefully covered all aspects except for the super. That's anything that I can comfortably not rely on super at this point in time anyway, so I'm happy with that. Yep. Okay. Yep. Yeah. Exactly right. I'm not sure that I'm on yet. I can still yeah. It's open to 12 37. Yeah. I mean, if yeah. I've I've noticed they've just sent me something for a signature, whatever that is. Yeah. Yeah. I'll get rid of that. Is that what you're talking about? Yep. To sign document. Where is it? Okay. Yep. Okay. Yep. I've done that. Yes. Summary of superannuation. Yep. Fifteenth of June. Yep. Mhmm. Yep. Correct. Yes. Yep. Yep. Okay. Yep. Yep. Mhmm. Yeah. Mhmm. Yep. So pay. Alright. Yep. Yep. Yeah. I got that. Yep. Mhmm. 10.44%. Yep. Okay. Yep. Yep. Yep. Right. 17 60%. Yep. Okay. That's good. Right. Yep. So down seven eight percent. Is that what you're saying? Okay. Mhmm. Yeah. Listen. Well, I gotta do something. Thank Trump for that one with everyone's buying EVs now, including myself. I bought one too. So yeah. You're partly there. Yeah. I've got a full EV. Yep. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Okay. Yeah. That's that's perfectly fine. Yes. Yep. Yeah. Of course. Mhmm. Yep. Okay. Yep. Not myself. No. At this stage, when you say high risk and what does what's the difference in a high and mid range risk sort of thing? Like mhmm. Yep. Hang on. Just yes. It is. Yes. Yep. I've seen that kind of graph, but not in this like, in a in a dollar figure like it is now. Yep. Mhmm. Yep. Mhmm. Right. Mhmm. Yeah. Yep. Yeah. Alright. Cool. Yeah. With the rapid investment or the aggressive investment, whatever you called it now, What I mean, your I mean, this is your field that I'm talking about. I guess, what do you recommend? Like, I don't mind being a bit aggressive in it. Like, I've still got a couple of years. I know things hopefully will balance out. I mean, I know the more you invest, the the more risk to lose stuff, but hoping in my mind, it can come back quicker than what you do if you do a less in growth investment, if that makes if I'm explaining myself right. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Right. Yeah. Because because I mean, obviously, I'm not contributing anymore. Like, it I may I mean, if I get the way their contract work is that some on their casual book, so they sort of give me, you know, one or two weeks work, it'll be like a casual. So they'll pay super on that. So there may be dribs and drabs coming through over time, but it won't be a regular monthly super as what it was previously contribution. So and I was I'm not I used to contribute a bit before, but I've stopped that as well. So it'll yeah. There may be a little bit. So because of that, I'm happy to be a bit more aggressive in my investing to sort of balance that if that kind of works. But worst case, you're not gonna lose a lot, basically. That's, you know, the big question, I guess, at the end of the day. So you guys monitor that anyway, don't you? If it sort of suddenly crashing quite quickly, you would alter that or react to that would be my assumption there. Okay. Mhmm. Yep. Yep. Mhmm. Okay. Yeah. Okay. Yeah. So if I can do like, if if I do the aggressive growth now and then say a year or two down the track, I tend to change my mind, and I can do that as well. Yeah? You're not sort of stuck with that one. Mhmm. Right. Yeah. It's yeah. So it's down in that year and you change, you're not gonna make up your loss, I guess. Is that what you're saying? Yeah? Right. And and assuming I don't have to touch my super till 67 or whatever, what's my retirement age? 67 now, isn't it? I don't know. They always change it. Right. Cool. Okay. Cool. And then when can I take the super app completely? At what age? Like, I'm 60, but did you how do you prove you're fully retired, though, at 60? Just don't put a group certificate in or something. Is there no? Yep. Right. Yep. Okay. Cool. Mhmm. Regardless. Okay. Yep. Right. Okay. Cool. And then at when if at sixty seven, you get it all regardless. Is that something? Or I said 60 5. Yeah. And then okay. Cool. So alright. Cool. So if I do aggressively so far the questions. If I do aggressively invest, is three years assuming and I don't plan on taking that at 60. I mean, I've done my math, and hopefully, I don't have to. So I'm happy to run it through to 65. But if something changes for the worse, whatever, you know, who knows? Nobody knows what tomorrow brings. Is three years enough to do the aggressive sort of investing? Is that would you all not, assumingly? Mhmm. If it so that's so that would be, well, 57 now. So that's that's less than ten years. And so that would be still alright then? If not, you so if I leave it up to 65, it's still okay? I'm 57 now. Yeah. Yep. Okay. Yeah. Yeah. Okay. Mhmm. Okay. Okay. Yeah. Okay. K. And what do you sorry. Go on. No. No. It's just saying what do you recommend, like, knowing my time frame? Like, assuming I'm not gonna touch the super two of 67, like and I'm hoping that's the case. I mean, soup is my sort of end of the line sort of pop up, if that makes sense. So I'm hoping I don't have to. I hope you've I've organized everything fine because so, assuming, I do not touch to 67 to be aggressive investing it now, would that is that would you say that's okay or would you just knock it back and leave it where we are now? Because we're in the next step, did you say? The one step lower than the yep. Yep. Okay. Mhmm. Yep. Mhmm. I mean I mean, realistically, probably, let's say '67. I don't plan on like, I mean, hopefully, I've sorted everything out, and I should be fine prior to that. So but if that yeah. So let's just say sixty seven at this point in time. Mhmm. Yep. Okay. Yep. Yeah. Yeah. Yeah. Of course. Like, I'm not scared to take a bit of risk. Like, that's that's fine. Like, you know what I mean? So don't don't say I'm all yeah. Like, I'm really, yeah, worried, but I just obviously, I wanna make sure I'm taking the right risk, if that makes sense. Yep. Yeah. Okay. Yep. Yeah. Exactly. Okay. Yeah. Because I I mean, I sort of don't mind being, you know, a bit of aggressive now, but I'm just thinking if if something happens two years or three down the road and it crashes and I lose quite a bit, have I got enough time to make that up before '67? That that's the main sort of thing that I'm thinking of. Yeah? Yeah. Yeah. Okay. Look, I'm happy to, yeah, work out. I mean, if you crunch the numbers and and you said, I mean, you know, this is good at good at yeah. If you've got a bit of time, I'm happy to take your advice and and that no dramas whatsoever. Yep. Perfect. Excellent. Yep. Yep. So that's after the Vanguard? And that's the just as oak if you find it, like, it's a dot. It's a it's a pig. Like, the hole. Yep. No. I can see you on yeah. I can I can see your face? Yep. Yep. Cool. Yeah. Consent. Yep. Yep. Mhmm. Yep. Yep. Perfect. No. That that's perfectly fine. Yeah. Cool. I can just sign that now. I've got you sign. Okay. And then so I've just done that now, so you should get a copy coming through. Yeah. Yes. It's validating. That's loading from my end, so I don't know what that means. Hopefully, it doesn't crash. Okay. Excellent. You're welcome. Correct. Yes. Yeah. He's my husband. Yes. Yeah. For sure. It's 0488, 055, 222. No. That's fine. And he's still down as a beneficiary, like the whatever they call it there. Because that's every tree you've got to sign the document, isn't it? You know, for the beneficiary. So he's down for a 100%, and that's I have to sign a document every three years. Is that my understanding? Yep. Perfect. Yep. And that will I'll get an email or a letter in the mail or something about that. Is that how that works? Mhmm. Is there another way I can do it? So is there another way that I don't have to worry about filling that out every three years unless yeah. Yep. Okay. Yeah. Can we do that? Is that do I have to sign anything for that? Yep. Yep. Yes. I've I've had my printer still works here. I've already printed these days. But, yeah, I do have a printer, but I haven't printed for ages. Yeah. It's downstairs, but I think it should be fine. If not, I'll just I'll find someone with the printer. Yep. Yep. Perfect. Yeah. That that would be better because yeah. That's easier. Perfect. Yeah. Exactly. Not sure. I mean, it just fluctuates some weeks more than others. And, like, I mean, obviously, you know, every quarter when the electricity bill comes in, you're spending more and then, you know, you're not in you know, so yeah. Exactly. Insurance and yeah. So it sort of fluctuates. I mean, we at the moment, I could probably say we probably live on less than 500 a week, but then other times it's, you know, 2,000 a week because, you know, I've got a few bills I'm paying or whatever. But you know what I mean? Like, so it's very hard to say this is what we spend every week. Yeah. Yeah. Exactly. It's very, very hard. It's you know, I mean, you know, you get thousand bills coming in, you know, and they all sort of come in at once and then, oh, I'm alright. I'm spending max amount this month, and then next month, you sort of bit less. That's changed now. So we've we've traded them in and bought an EV. So Well, that was this? $85.85 and a half, I think it's worth. No. Outright. We own the house we live in, but that's under my husband's name, not my name. So, yeah, for me, nothing, but if it's under his name, but we do own it, so we don't pay mortgage. Yeah. No rent or anything. No other motor vehicles or bikes or anything. We've got about, at the moment, accessible cash is about 300,000. Just credit card that we have. I pay that off every time every month. It's that that's a debt of 15 that's 15,000 credit limit on that. But, you know, pay it off every month anyway. Yeah. It's at Qantas points so I can get free holidays. I just hit 400 thousand points. I'm like, yes. Where can I go? Yeah. I mean, my niece is getting married in, like, Como in October, so we're going to sort of Italy, Prague, and London for just over a month in October, November. Yeah. Looking forward to that. Yeah. Yeah. That's that's keeping us alive. Yes. Still a non smoker. No. Nothing. No. Yeah. We actually just finished redone our wheels about a month or so ago. So yeah. So we both got current wheels. Remember, I think it's the where we the solicitor that done the rules is the oh, no. Not a power of attorney. Sorry. No. I haven't did you say power of attorney? Yes. No. No. We haven't done any of that. No. Not yet. No. It's just the two of us that we work together. We were we're planning on selling the house next year and either buying, rebuilding, or building somewhere, like, a bit sort of country ish. So other than that but, I mean, that would just be absorbed by the sale of the house. But, yeah, I just I mean, I get the ultimate goal is to stay semi retired, not have to go back to the workforce. So that's probably the ultimate goal. Yeah. And enjoy life because not many people get this privilege what I'm I've got now to give up before, you know, retire before 60. So I can maintain that. Yeah. No. I think think that's about it. I think you've covered everything. And this year, you just sent me the the predictions for the the aggressive or the different form of investing. So I can Yep. Yeah. So let's jump straight to July. So what about the week of the July 6? What if any day that works is fine for me? If that's enough time for you? It gives you, like, two yeah. That's I mean, I don't that's up to you. I mean, if so you got a bit more time. For me, I'm flexible. I don't care. I'm semi retired, remember? Yeah. Exactly. So yeah. So I'm not I mean, either the week of the twenty ninth or the week of the sixth. That's up to you. Whatever whatever works for you. Okay. Afternoons, generally. Yeah. Alright. Let's look in Wednesday, the first. You said 04:00? Yeah. Yeah. That's that's fine. Yep. And Ira. Yep. And Ira, I think you yeah. Evan, like likewise, if you need more time, just that's like I said, I'm flexible, so I don't mind either. Sure. Okay. No worries. Cool. Thanks. Appreciate it, Veronica. Have a good afternoon. Okay. Bye. 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speaking. Hello? Thank you. How are you? Who is this, sir?\n\nOh, hi, Frank. How are you? I'm very well. You're very fine, too. I can very very barely hear you.\n\nAlright. Oh, yeah. A little bit a little bit better. It's okay. That's alright.\n\nYeah. Tell him to get for a cigarette. Yeah. Yeah. That's fine.\n\nThat's no no problem. Yep. No worries. I'm jeez. It's been a while.\n\nMust be Charlie. Yeah. Okay. Cool. Alright.\n\nPerfect. Yeah. That's fine. I'll I'll forget if I change it now. I mean, my situation's changed since we signed up.\n\nI signed up with you guys. So before I was working now, I've kind of just semi retired. So I'm kind of, yeah, not getting a regular super contributing anymore from a work. I do do contract work every now and again, but haven't done any just yet. But that's kind of like the only thing that's changed since.\n\nYep. Yeah. I mean, I'm living on, like, savings as such, but, yeah, like, the contract works more to just keep me a little bit busy every now and again to keep me relevant in the industry. So it's sort of yeah. I don't wanna sort of I'm still I'm not there.\n\nI'm 57 now. So I thought, well, you know, I have the opportunity to come back on work, which is great. So yeah. But and then I've got enough people that sort of still want me to sort of help here and there, so they sort of just offer me work every now and again. They're just picking choosing where I wanna when I wanna work, basically.\n\nMhmm. Yeah. Pretty much so. Yeah. Okay.\n\nCool. Oh, so that's from 60. Yeah? Yeah. Yep.\n\nYeah. Well, of course, things look changed a lot from my end since yeah. So I was just fortunate enough to been able to to take a step back from work and just work here and there. So yeah. So that's obviously yeah.\n\nIf I can retire now fully, that'd be great. I mean, I can't fully retire now. No dramas. Just working is just to keep me busy every now and again and give me something to do, basically. Instead of being locked to your work, I wanna sort of work I don't wanna work to leave.\n\nI wanna leave to work. Does that make sense? Yeah? Yep. Yeah.\n\nLet's look at that for this stage. I mean, it's three years away before I even consider pulling anything from super, so that may change. But, yeah, that's that's fine at this stage. I mean, I've yeah. Some Yep.\n\nNot right now at this stage. I'm just living off savings, if that's alright. But I just like, I'm not sure if the fund that's in is a non contributing fund as well, whether that's what they want. Yeah. Yep.\n\nOf course. Okay. Yeah. So that'll still sort of grow a lot slower, obviously. But, yeah, it went not as yeah.\n\nExactly. So it still will move up over time. Yeah. You will I will still see it increasing, but, yeah, just not as rapidly, I guess, as what if I was contributing. So that that's fine.\n\nAt this stage, it's fine. But consent, I'm yeah. I mean, I've hopefully covered all aspects except for the super. That's anything that I can comfortably not rely on super at this point in time anyway, so I'm happy with that. Yep.\n\nOkay. Yep. Yeah. Exactly right. I'm not sure that I'm on yet.\n\nI can still yeah. It's open to 12 37. Yeah. I mean, if yeah. I've I've noticed they've just sent me something for a signature, whatever that is.\n\nYeah. Yeah. I'll get rid of that. Is that what you're talking about? Yep.\n\nTo sign document. Where is it? Okay. Yep. Okay.\n\nYep. I've done that. Yes. Summary of superannuation. Yep.\n\nFifteenth of June. Yep. Mhmm. Yep. Correct.\n\nYes. Yep. Yep. Okay. Yep.\n\nYep. Mhmm. Yeah. Mhmm. Yep.\n\nSo pay. Alright. Yep. Yep. Yeah.\n\nI got that. Yep. Mhmm. 10.44%. Yep.\n\nOkay. Yep. Yep. Yep. Right.\n\n17 60%. Yep. Okay. That's good. Right.\n\nYep. So down seven eight percent. Is that what you're saying? Okay. Mhmm.\n\nYeah. Listen. Well, I gotta do something. Thank Trump for that one with everyone's buying EVs now, including myself. I bought one too.\n\nSo yeah. You're partly there. Yeah. I've got a full EV. Yep.\n\nYep. Okay. Mhmm. Mhmm. Yep.\n\nMhmm. Okay. Yeah. That's that's perfectly fine. Yes.\n\nYep. Yeah. Of course. Mhmm. Yep.\n\nOkay. Yep. Not myself. No. At this stage, when you say high risk and what does what's the difference in a high and mid range risk sort of thing?\n\nLike mhmm. Yep. Hang on. Just yes. It is.\n\nYes. Yep. I've seen that kind of graph, but not in this like, in a in a dollar figure like it is now. Yep. Mhmm.\n\nYep. Mhmm. Right. Mhmm. Yeah.\n\nYep. Yeah. Alright. Cool. Yeah.\n\nWith the rapid investment or the aggressive investment, whatever you called it now, What I mean, your I mean, this is your field that I'm talking about. I guess, what do you recommend? Like, I don't mind being a bit aggressive in it. Like, I've still got a couple of years. I know things hopefully will balance out.\n\nI mean, I know the more you invest, the the more risk to lose stuff, but hoping in my mind, it can come back quicker than what you do if you do a less in growth investment, if that makes if I'm explaining myself right. Mhmm. Yep. Mhmm. Mhmm.\n\nMhmm. Right. Yeah. Because because I mean, obviously, I'm not contributing anymore. Like, it I may I mean, if I get the way their contract work is that some on their casual book, so they sort of give me, you know, one or two weeks work, it'll be like a casual.\n\nSo they'll pay super on that. So there may be dribs and drabs coming through over time, but it won't be a regular monthly super as what it was previously contribution. So and I was I'm not I used to contribute a bit before, but I've stopped that as well. So it'll yeah. There may be a little bit.\n\nSo because of that, I'm happy to be a bit more aggressive in my investing to sort of balance that if that kind of works. But worst case, you're not gonna lose a lot, basically. That's, you know, the big question, I guess, at the end of the day. So you guys monitor that anyway, don't you? If it sort of suddenly crashing quite quickly, you would alter that or react to that would be my assumption there.\n\nOkay. Mhmm. Yep. Yep. Mhmm.\n\nOkay. Yeah. Okay. Yeah. So if I can do like, if if I do the aggressive growth now and then say a year or two down the track, I tend to change my mind, and I can do that as well.\n\nYeah? You're not sort of stuck with that one. Mhmm. Right. Yeah.\n\nIt's yeah. So it's down in that year and you change, you're not gonna make up your loss, I guess. Is that what you're saying? Yeah? Right.\n\nAnd and assuming I don't have to touch my super till 67 or whatever, what's my retirement age? 67 now, isn't it? I don't know. They always change it. Right.\n\nCool. Okay. Cool. And then when can I take the super app completely? At what age?\n\nLike, I'm 60, but did you how do you prove you're fully retired, though, at 60? Just don't put a group certificate in or something. Is there no? Yep. Right.\n\nYep. Okay. Cool. Mhmm. Regardless.\n\nOkay. Yep. Right. Okay. Cool.\n\nAnd then at when if at sixty seven, you get it all regardless. Is that something? Or I said 60 5. Yeah. And then okay.\n\nCool. So alright. Cool. So if I do aggressively so far the questions. If I do aggressively invest, is three years assuming and I don't plan on taking that at 60.\n\nI mean, I've done my math, and hopefully, I don't have to. So I'm happy to run it through to 65. But if something changes for the worse, whatever, you know, who knows? Nobody knows what tomorrow brings. Is three years enough to do the aggressive sort of investing?\n\nIs that would you all not, assumingly? Mhmm. If it so that's so that would be, well, 57 now. So that's that's less than ten years. And so that would be still alright then?\n\nIf not, you so if I leave it up to 65, it's still okay? I'm 57 now. Yeah. Yep. Okay.\n\nYeah. Yeah. Okay. Mhmm. Okay.\n\nOkay. Yeah. Okay. K. And what do you sorry.\n\nGo on. No. No. It's just saying what do you recommend, like, knowing my time frame? Like, assuming I'm not gonna touch the super two of 67, like and I'm hoping that's the case.\n\nI mean, soup is my sort of end of the line sort of pop up, if that makes sense. So I'm hoping I don't have to. I hope you've I've organized everything fine because so, assuming, I do not touch to 67 to be aggressive investing it now, would that is that would you say that's okay or would you just knock it back and leave it where we are now? Because we're in the next step, did you say? The one step lower than the yep.\n\nYep. Okay. Mhmm. Yep. Mhmm.\n\nI mean I mean, realistically, probably, let's say '67. I don't plan on like, I mean, hopefully, I've sorted everything out, and I should be fine prior to that. So but if that yeah. So let's just say sixty seven at this point in time. Mhmm.\n\nYep. Okay. Yep. Yeah. Yeah.\n\nYeah. Of course. Like, I'm not scared to take a bit of risk. Like, that's that's fine. Like, you know what I mean?\n\nSo don't don't say I'm all yeah. Like, I'm really, yeah, worried, but I just obviously, I wanna make sure I'm taking the right risk, if that makes sense. Yep. Yeah. Okay.\n\nYep. Yeah. Exactly. Okay. Yeah.\n\nBecause I I mean, I sort of don't mind being, you know, a bit of aggressive now, but I'm just thinking if if something happens two years or three down the road and it crashes and I lose quite a bit, have I got enough time to make that up before '67? That that's the main sort of thing that I'm thinking of. Yeah? Yeah. Yeah.\n\nOkay. Look, I'm happy to, yeah, work out. I mean, if you crunch the numbers and and you said, I mean, you know, this is good at good at yeah. If you've got a bit of time, I'm happy to take your advice and and that no dramas whatsoever. Yep.\n\nPerfect. Excellent. Yep. Yep. So that's after the Vanguard?\n\nAnd that's the just as oak if you find it, like, it's a dot. It's a it's a pig. Like, the hole. Yep. No.\n\nI can see you on yeah. I can I can see your face? Yep. Yep. Cool.\n\nYeah. Consent. Yep. Yep. Mhmm.\n\nYep. Yep. Perfect. No. That that's perfectly fine.\n\nYeah. Cool. I can just sign that now. I've got you sign. Okay.\n\nAnd then so I've just done that now, so you should get a copy coming through. Yeah. Yes. It's validating. That's loading from my end, so I don't know what that means.\n\nHopefully, it doesn't crash. Okay. Excellent. You're welcome. Correct.\n\nYes. Yeah. He's my husband. Yes. Yeah.\n\nFor sure. It's 0488, 055, 222. No. That's fine. And he's still down as a beneficiary, like the whatever they call it there.\n\nBecause that's every tree you've got to sign the document, isn't it? You know, for the beneficiary. So he's down for a 100%, and that's I have to sign a document every three years. Is that my understanding? Yep.\n\nPerfect. Yep. And that will I'll get an email or a letter in the mail or something about that. Is that how that works? Mhmm.\n\nIs there another way I can do it? So is there another way that I don't have to worry about filling that out every three years unless yeah. Yep. Okay. Yeah.\n\nCan we do that? Is that do I have to sign anything for that? Yep. Yep. Yes.\n\nI've I've had my printer still works here. I've already printed these days. But, yeah, I do have a printer, but I haven't printed for ages. Yeah. It's downstairs, but I think it should be fine.\n\nIf not, I'll just I'll find someone with the printer. Yep. Yep. Perfect. Yeah.\n\nThat that would be better because yeah. That's easier. Perfect. Yeah. Exactly.\n\nNot sure. I mean, it just fluctuates some weeks more than others. And, like, I mean, obviously, you know, every quarter when the electricity bill comes in, you're spending more and then, you know, you're not in you know, so yeah. Exactly. Insurance and yeah.\n\nSo it sort of fluctuates. I mean, we at the moment, I could probably say we probably live on less than 500 a week, but then other times it's, you know, 2,000 a week because, you know, I've got a few bills I'm paying or whatever. But you know what I mean? Like, so it's very hard to say this is what we spend every week. Yeah.\n\nYeah. Exactly. It's very, very hard. It's you know, I mean, you know, you get thousand bills coming in, you know, and they all sort of come in at once and then, oh, I'm alright. I'm spending max amount this month, and then next month, you sort of bit less.\n\nThat's changed now. So we've we've traded them in and bought an EV. So Well, that was this? $85.85 and a half, I think it's worth. No.\n\nOutright. We own the house we live in, but that's under my husband's name, not my name. So, yeah, for me, nothing, but if it's under his name, but we do own it, so we don't pay mortgage. Yeah. No rent or anything.\n\nNo other motor vehicles or bikes or anything. We've got about, at the moment, accessible cash is about 300,000. Just credit card that we have. I pay that off every time every month. It's that that's a debt of 15 that's 15,000 credit limit on that.\n\nBut, you know, pay it off every month anyway. Yeah. It's at Qantas points so I can get free holidays. I just hit 400 thousand points. I'm like, yes.\n\nWhere can I go? Yeah. I mean, my niece is getting married in, like, Como in October, so we're going to sort of Italy, Prague, and London for just over a month in October, November. Yeah. Looking forward to that.\n\nYeah. Yeah. That's that's keeping us alive. Yes. Still a non smoker.\n\nNo. Nothing. No. Yeah. We actually just finished redone our wheels about a month or so ago.\n\nSo yeah. So we both got current wheels. Remember, I think it's the where we the solicitor that done the rules is the oh, no. Not a power of attorney. Sorry.\n\nNo. I haven't did you say power of attorney? Yes. No. No.\n\nWe haven't done any of that. No. Not yet. No. It's just the two of us that we work together.\n\nWe were we're planning on selling the house next year and either buying, rebuilding, or building somewhere, like, a bit sort of country ish. So other than that but, I mean, that would just be absorbed by the sale of the house. But, yeah, I just I mean, I get the ultimate goal is to stay semi retired, not have to go back to the workforce. So that's probably the ultimate goal. Yeah.\n\nAnd enjoy life because not many people get this privilege what I'm I've got now to give up before, you know, retire before 60. So I can maintain that. Yeah. No. I think think that's about it.\n\nI think you've covered everything. And this year, you just sent me the the predictions for the the aggressive or the different form of investing. So I can Yep. Yeah. So let's jump straight to July.\n\nSo what about the week of the July 6? What if any day that works is fine for me? If that's enough time for you? It gives you, like, two yeah. That's I mean, I don't that's up to you.\n\nI mean, if so you got a bit more time. For me, I'm flexible. I don't care. I'm semi retired, remember? Yeah.\n\nExactly. So yeah. So I'm not I mean, either the week of the twenty ninth or the week of the sixth. That's up to you. Whatever whatever works for you.\n\nOkay. Afternoons, generally. Yeah. Alright. Let's look in Wednesday, the first.\n\nYou said 04:00? Yeah. Yeah. That's that's fine. Yep.\n\nAnd Ira. Yep. And Ira, I think you yeah. Evan, like likewise, if you need more time, just that's like I said, I'm flexible, so I don't mind either. Sure.\n\nOkay. No worries. Cool. Thanks. Appreciate it, Veronica.\n\nHave a good afternoon. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Eric speaking.","start":0.16,"end":0.98,"sentiment":"neutral","sentiment_score":0.024613716639578342},{"text":"Hello?","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.15980997681617737},{"text":"Thank you.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.4456925392150879},{"text":"How are you?","start":6.16,"end":6.72,"sentiment":"neutral","sentiment_score":0.16345628102620444},{"text":"Who is this, sir?","start":6.72,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.03405554359778762}],"sentiment":"neutral","sentiment_score":0.1439177921662728,"num_words":12,"start":0.16,"end":7.7799997},{"sentences":[{"text":"Oh, hi, Frank.","start":10.559999,"end":11.36,"sentiment":"neutral","sentiment_score":0.09164337813854218},{"text":"How are you?","start":11.36,"end":12.045,"sentiment":"neutral","sentiment_score":0.12106183171272278},{"text":"I'm very well.","start":14.205,"end":14.765,"sentiment":"positive","sentiment_score":0.5608392357826233},{"text":"You're very fine, too.","start":14.765,"end":15.645,"sentiment":"positive","sentiment_score":0.5753455758094788},{"text":"I can very very barely hear you.","start":15.645,"end":18.225,"sentiment":"neutral","sentiment_score":-0.21023167776209967}],"sentiment":"neutral","sentiment_score":0.1575196947902441,"num_words":20,"start":10.559999,"end":18.225},{"sentences":[{"text":"Alright.","start":26.445,"end":26.82,"sentiment":"neutral","sentiment_score":0.01708277314901352},{"text":"Oh, yeah.","start":27.699999,"end":28.26,"sentiment":"neutral","sentiment_score":0.03907772898674011},{"text":"A little bit a little bit better.","start":28.26,"end":29.699999,"sentiment":"neutral","sentiment_score":-0.004206954368523189},{"text":"It's okay.","start":29.699999,"end":30.439999,"sentiment":"neutral","sentiment_score":0.0987127386033535},{"text":"That's alright.","start":35.46,"end":36.02,"sentiment":"neutral","sentiment_score":-0.047678496688604355}],"sentiment":"neutral","sentiment_score":0.011989859598023551,"num_words":14,"start":26.445,"end":36.02},{"sentences":[{"text":"Yeah.","start":36.02,"end":36.52,"sentiment":"neutral","sentiment_score":-0.01610095426440239},{"text":"Tell him to get for a cigarette.","start":37.86,"end":39.239998,"sentiment":"neutral","sentiment_score":0.0010288764855691365},{"text":"Yeah.","start":46.535,"end":46.774998,"sentiment":"neutral","sentiment_score":0.05850883573293686},{"text":"Yeah.","start":46.774998,"end":46.934998,"sentiment":"neutral","sentiment_score":0.08146118372678757},{"text":"That's fine.","start":46.934998,"end":47.495,"sentiment":"neutral","sentiment_score":0.14171364903450012}],"sentiment":"neutral","sentiment_score":0.03454154155527552,"num_words":12,"start":36.02,"end":47.495},{"sentences":[{"text":"That's no no problem.","start":47.495,"end":48.635,"sentiment":"neutral","sentiment_score":0.1793510541319847},{"text":"Yep.","start":57.99,"end":58.31,"sentiment":"neutral","sentiment_score":0.06401708722114563},{"text":"No worries.","start":58.31,"end":59.050003,"sentiment":"neutral","sentiment_score":0.12154662236571312},{"text":"I'm jeez.","start":66.47,"end":66.87,"sentiment":"neutral","sentiment_score":-0.041041385382413864},{"text":"It's been a while.","start":66.87,"end":67.93,"sentiment":"neutral","sentiment_score":-0.06892112269997597}],"sentiment":"neutral","sentiment_score":0.051288252839675315,"num_words":13,"start":47.495,"end":67.93},{"sentences":[{"text":"Must be Charlie.","start":68.985,"end":70.365,"sentiment":"neutral","sentiment_score":-0.016793619841337204},{"text":"Yeah.","start":71.865,"end":72.104996,"sentiment":"neutral","sentiment_score":0.02028045430779457},{"text":"Okay.","start":72.104996,"end":72.505,"sentiment":"neutral","sentiment_score":0.07189254462718964},{"text":"Cool.","start":72.505,"end":72.905,"sentiment":"neutral","sentiment_score":0.11397471278905869},{"text":"Alright.","start":72.905,"end":73.405,"sentiment":"neutral","sentiment_score":0.0982849821448326}],"sentiment":"neutral","sentiment_score":0.03629311919212341,"num_words":7,"start":68.985,"end":73.405},{"sentences":[{"text":"Perfect.","start":73.625,"end":74.125,"sentiment":"neutral","sentiment_score":0.1964709758758545},{"text":"Yeah.","start":75.145,"end":75.465,"sentiment":"neutral","sentiment_score":0.021780963987112045},{"text":"That's fine.","start":75.465,"end":75.945,"sentiment":"neutral","sentiment_score":0.04059905745089054},{"text":"I'll I'll forget if I change it now.","start":75.945,"end":78.525,"sentiment":"neutral","sentiment_score":0.03291045501828194},{"text":"I mean, my situation's changed since we signed up.","start":97.545006,"end":100.105,"sentiment":"neutral","sentiment_score":-0.024846487161186006}],"sentiment":"neutral","sentiment_score":0.016148348117158526,"num_words":21,"start":73.625,"end":100.105},{"sentences":[{"text":"I signed up with you guys.","start":100.105,"end":101.485,"sentiment":"neutral","sentiment_score":-0.0003534226367870967},{"text":"So before I was working now, I've kind of just semi retired.","start":102.105,"end":105.805,"sentiment":"neutral","sentiment_score":-0.038631363306194544},{"text":"So I'm kind of, yeah, not getting a regular super contributing anymore from a work.","start":106.185005,"end":114.0,"sentiment":"neutral","sentiment_score":-0.2173462877670924},{"text":"I do do contract work every now and again, but haven't done any just yet.","start":114.0,"end":118.64,"sentiment":"neutral","sentiment_score":-0.02889502781132857},{"text":"But that's kind of like the only thing that's changed since.","start":118.64,"end":125.095,"sentiment":"neutral","sentiment_score":0.09445876662026752}],"sentiment":"neutral","sentiment_score":-0.0528859355313293,"num_words":59,"start":100.105,"end":125.095},{"sentences":[{"text":"Yep.","start":132.995,"end":133.44,"sentiment":"neutral","sentiment_score":0.123575821518898},{"text":"Yeah.","start":140.40001,"end":140.72,"sentiment":"neutral","sentiment_score":0.0514073520898819},{"text":"I mean, I'm living on, like, savings as such, but, yeah, like, the contract works more to just keep me a little bit busy every now and again to keep me relevant in the industry.","start":140.72,"end":150.005,"sentiment":"neutral","sentiment_score":0.12424040383526257},{"text":"So it's sort of yeah.","start":151.185,"end":152.065,"sentiment":"neutral","sentiment_score":-0.011750550055876375},{"text":"I don't wanna sort of I'm still I'm not there.","start":152.065,"end":154.065,"sentiment":"neutral","sentiment_score":-0.17109394967556}],"sentiment":"neutral","sentiment_score":0.05295586655399977,"num_words":52,"start":132.995,"end":154.065},{"sentences":[{"text":"I'm 57 now.","start":154.065,"end":155.185,"sentiment":"neutral","sentiment_score":-0.057187398274739586},{"text":"So I thought, well, you know, I have the opportunity to come back on work, which is great.","start":155.185,"end":159.92,"sentiment":"neutral","sentiment_score":0.2505357200279832},{"text":"So yeah.","start":159.92,"end":161.92,"sentiment":"neutral","sentiment_score":0.1971190720796585},{"text":"But and then I've got enough people that sort of still want me to sort of help here and there, so they sort of just offer me work every now and again.","start":161.92,"end":168.73999,"sentiment":"neutral","sentiment_score":0.15842103795148432},{"text":"They're just picking choosing where I wanna when I wanna work, basically.","start":169.44,"end":172.66,"sentiment":"neutral","sentiment_score":0.24195846170186996}],"sentiment":"neutral","sentiment_score":0.18963124872699602,"num_words":67,"start":154.065,"end":172.66},{"sentences":[{"text":"Mhmm.","start":174.825,"end":175.325,"sentiment":"neutral","sentiment_score":0.2886153757572174},{"text":"Yeah.","start":176.025,"end":176.345,"sentiment":"neutral","sentiment_score":0.2552330493927002},{"text":"Pretty much so.","start":176.345,"end":177.065,"sentiment":"neutral","sentiment_score":0.26361938814322156},{"text":"Yeah.","start":177.065,"end":177.565,"sentiment":"neutral","sentiment_score":0.1822793185710907},{"text":"Okay.","start":201.84999,"end":202.17,"sentiment":"neutral","sentiment_score":0.13177862763404846}],"sentiment":"neutral","sentiment_score":0.23553779082638876,"num_words":7,"start":174.825,"end":202.17},{"sentences":[{"text":"Cool.","start":202.17,"end":202.67,"sentiment":"neutral","sentiment_score":0.27015653252601624},{"text":"Oh, so that's from 60.","start":202.81,"end":204.25,"sentiment":"neutral","sentiment_score":0.05783884078264236},{"text":"Yeah?","start":204.25,"end":204.675,"sentiment":"neutral","sentiment_score":0.036465566605329514},{"text":"Yeah.","start":206.195,"end":206.695,"sentiment":"neutral","sentiment_score":0.03928068280220032},{"text":"Yep.","start":209.875,"end":210.375,"sentiment":"neutral","sentiment_score":0.04935229942202568}],"sentiment":"neutral","sentiment_score":0.0760499205854204,"num_words":9,"start":202.17,"end":210.375},{"sentences":[{"text":"Yeah.","start":227.06,"end":227.22,"sentiment":"neutral","sentiment_score":0.02844182215631008},{"text":"Well, of course, things look changed a lot from my end since yeah.","start":227.22,"end":232.1,"sentiment":"neutral","sentiment_score":0.07943798372378716},{"text":"So I was just fortunate enough to been able to to take a step back from work and just work here and there.","start":232.1,"end":241.095,"sentiment":"neutral","sentiment_score":0.3033703293489373},{"text":"So yeah.","start":241.095,"end":241.575,"sentiment":"neutral","sentiment_score":0.1740955486893654},{"text":"So that's obviously yeah.","start":241.575,"end":243.015,"sentiment":"neutral","sentiment_score":0.24134812876582146}],"sentiment":"neutral","sentiment_score":0.217493879024026,"num_words":43,"start":227.06,"end":243.015},{"sentences":[{"text":"If I can retire now fully, that'd be great.","start":243.015,"end":245.015,"sentiment":"positive","sentiment_score":0.49794474244117737},{"text":"I mean, I can't fully retire now.","start":245.015,"end":247.02,"sentiment":"neutral","sentiment_score":-0.0200408867427281},{"text":"No dramas.","start":247.1,"end":247.58,"sentiment":"neutral","sentiment_score":-0.053371068090200424},{"text":"Just working is just to keep me busy every now and again and give me something to do, basically.","start":247.58,"end":251.52,"sentiment":"neutral","sentiment_score":0.026027925704654894},{"text":"Instead of being locked to your work, I wanna sort of work I don't wanna work to leave.","start":252.78,"end":257.9,"sentiment":"neutral","sentiment_score":-0.06843076770504315}],"sentiment":"neutral","sentiment_score":0.06358638378706845,"num_words":55,"start":243.015,"end":257.9},{"sentences":[{"text":"I wanna leave to work.","start":257.9,"end":259.02002,"sentiment":"neutral","sentiment_score":-0.007881708443164825},{"text":"Does that make sense?","start":259.02002,"end":259.9,"sentiment":"neutral","sentiment_score":0.022937456145882607},{"text":"Yeah?","start":259.9,"end":260.265,"sentiment":"neutral","sentiment_score":0.012919971719384192},{"text":"Yep.","start":270.02502,"end":270.52502,"sentiment":"neutral","sentiment_score":0.1671203076839447},{"text":"Yeah.","start":275.69998,"end":276.02,"sentiment":"neutral","sentiment_score":0.049216076731681824}],"sentiment":"neutral","sentiment_score":0.02346646987522642,"num_words":12,"start":257.9,"end":276.02},{"sentences":[{"text":"Let's look at that for this stage.","start":276.02,"end":277.46,"sentiment":"neutral","sentiment_score":-0.009502327601824487},{"text":"I mean, it's three years away before I even consider pulling anything from super, so that may change.","start":277.46,"end":282.74,"sentiment":"neutral","sentiment_score":-0.02077113909439908},{"text":"But, yeah, that's that's fine at this 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hoping in my mind, it can come back quicker than what you do if you do a less in growth investment, if that makes if I'm explaining myself 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because I mean, obviously, I'm not contributing anymore.","start":1077.87,"end":1081.47,"sentiment":"neutral","sentiment_score":-0.03428796037203736},{"text":"Like, it I may I mean, if I get the way their contract work is that some on their casual book, so they sort of give me, you know, one or two weeks work, it'll be like a casual.","start":1081.47,"end":1091.2949,"sentiment":"neutral","sentiment_score":0.0562089995170633}],"sentiment":"neutral","sentiment_score":0.048179569033284984,"num_words":51,"start":1053.73,"end":1091.2949},{"sentences":[{"text":"So they'll pay super on that.","start":1091.2949,"end":1092.4149,"sentiment":"neutral","sentiment_score":0.11492837965488434},{"text":"So there may be dribs and drabs coming through over time, but it won't be a regular monthly super as what it was previously contribution.","start":1092.4149,"end":1101.4099,"sentiment":"neutral","sentiment_score":0.020630630068480968},{"text":"So and I was I'm not I used to contribute a bit before, but 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day.","start":1117.025,"end":1119.765,"sentiment":"neutral","sentiment_score":-0.0851337696824755},{"text":"So you guys monitor that anyway, don't you?","start":1120.7051,"end":1124.0851,"sentiment":"neutral","sentiment_score":0.0034699569223448634},{"text":"If it sort of suddenly crashing quite quickly, you would alter that or react to that would be my assumption 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if I can do like, if if I do the aggressive growth now and then say a year or two down the track, I tend to change my mind, and I can do that as well.","start":1170.035,"end":1178.755,"sentiment":"neutral","sentiment_score":0.31078887710700165}],"sentiment":"neutral","sentiment_score":0.30799530555562277,"num_words":41,"start":1161.91,"end":1178.755},{"sentences":[{"text":"Yeah?","start":1178.755,"end":1179.075,"sentiment":"neutral","sentiment_score":0.062348153442144394},{"text":"You're not sort of stuck with that one.","start":1179.075,"end":1181.415,"sentiment":"neutral","sentiment_score":-0.22954761050641537},{"text":"Mhmm.","start":1190.8,"end":1191.3,"sentiment":"neutral","sentiment_score":-0.15263475477695465},{"text":"Right.","start":1201.605,"end":1202.105,"sentiment":"neutral","sentiment_score":0.03679513931274414},{"text":"Yeah.","start":1208.005,"end":1208.505,"sentiment":"neutral","sentiment_score":-0.04187769070267677}],"sentiment":"neutral","sentiment_score":-0.16097916973133883,"num_words":12,"start":1178.755,"end":1208.505},{"sentences":[{"text":"It's yeah.","start":1215.45,"end":1216.57,"sentiment":"neutral","sentiment_score":-0.23155920207500458},{"text":"So it's down in that year and you change, you're not gonna make up your loss, I guess.","start":1216.57,"end":1220.25,"sentiment":"neutral","sentiment_score":-0.20314954386817086},{"text":"Is that what you're saying?","start":1220.25,"end":1221.0499,"sentiment":"neutral","sentiment_score":-0.04410301372408867},{"text":"Yeah?","start":1221.0499,"end":1221.5499,"sentiment":"neutral","sentiment_score":-0.0073173921555280685},{"text":"Right.","start":1222.1699,"end":1222.6699,"sentiment":"neutral","sentiment_score":0.013710128143429756}],"sentiment":"neutral","sentiment_score":-0.1605160194966528,"num_words":27,"start":1215.45,"end":1222.6699},{"sentences":[{"text":"And and assuming I don't have to touch my super till 67 or whatever, what's my retirement age?","start":1222.955,"end":1229.195,"sentiment":"neutral","sentiment_score":-0.034305549330181546},{"text":"67 now, isn't it?","start":1229.195,"end":1231.035,"sentiment":"neutral","sentiment_score":-0.025718373246490955},{"text":"I don't know.","start":1231.035,"end":1231.515,"sentiment":"neutral","sentiment_score":-0.06464964648087819},{"text":"They always change it.","start":1231.515,"end":1232.735,"sentiment":"neutral","sentiment_score":-0.010513587389141321},{"text":"Right.","start":1247.7101,"end":1248.03,"sentiment":"neutral","sentiment_score":0.13539382815361023}],"sentiment":"neutral","sentiment_score":-0.027366094725827374,"num_words":30,"start":1222.955,"end":1248.03},{"sentences":[{"text":"Cool.","start":1248.03,"end":1248.51,"sentiment":"neutral","sentiment_score":0.22660550475120544},{"text":"Okay.","start":1248.51,"end":1248.8301,"sentiment":"neutral","sentiment_score":0.17192864418029785},{"text":"Cool.","start":1248.8301,"end":1249.3301,"sentiment":"neutral","sentiment_score":0.1801026463508606},{"text":"And then when can I take the super app completely?","start":1249.4701,"end":1252.4501,"sentiment":"neutral","sentiment_score":0.08346243053674698},{"text":"At what age?","start":1253.105,"end":1253.665,"sentiment":"neutral","sentiment_score":0.0032908289382855096}],"sentiment":"neutral","sentiment_score":0.08894584921654314,"num_words":16,"start":1248.03,"end":1253.665},{"sentences":[{"text":"Like, I'm 60, but did you how do you prove you're fully retired, though, at 60?","start":1253.665,"end":1257.525,"sentiment":"neutral","sentiment_score":-0.007883338766987436},{"text":"Just don't put a group certificate in or something.","start":1257.665,"end":1260.145,"sentiment":"neutral","sentiment_score":-0.12867173304160437},{"text":"Is there no?","start":1260.145,"end":1260.805,"sentiment":"neutral","sentiment_score":-0.10041693846384685},{"text":"Yep.","start":1264.9451,"end":1265.37,"sentiment":"neutral","sentiment_score":-0.007753075566142797},{"text":"Right.","start":1269.13,"end":1269.63,"sentiment":"neutral","sentiment_score":0.24998170137405396}],"sentiment":"neutral","sentiment_score":-0.044773373574328916,"num_words":30,"start":1253.665,"end":1269.63},{"sentences":[{"text":"Yep.","start":1279.13,"end":1279.63,"sentiment":"neutral","sentiment_score":0.12949863076210022},{"text":"Okay.","start":1287.985,"end":1288.385,"sentiment":"neutral","sentiment_score":0.2916279435157776},{"text":"Cool.","start":1288.385,"end":1288.885,"sentiment":"positive","sentiment_score":0.4823080599308014},{"text":"Mhmm.","start":1296.5449,"end":1296.7949,"sentiment":"neutral","sentiment_score":0.06497924774885178},{"text":"Regardless.","start":1296.7949,"end":1297.2949,"sentiment":"neutral","sentiment_score":0.04074094444513321}],"sentiment":"neutral","sentiment_score":0.20183096528053285,"num_words":5,"start":1279.13,"end":1297.2949},{"sentences":[{"text":"Okay.","start":1299.1599,"end":1299.6599,"sentiment":"neutral","sentiment_score":0.17415833473205566},{"text":"Yep.","start":1309.32,"end":1309.5599,"sentiment":"neutral","sentiment_score":0.19807934761047363},{"text":"Right.","start":1309.5599,"end":1309.88,"sentiment":"neutral","sentiment_score":0.2196468710899353},{"text":"Okay.","start":1309.88,"end":1310.2,"sentiment":"neutral","sentiment_score":0.2315101772546768},{"text":"Cool.","start":1310.2,"end":1310.44,"sentiment":"positive","sentiment_score":0.3381202518939972}],"sentiment":"neutral","sentiment_score":0.2323029965162277,"num_words":5,"start":1299.1599,"end":1310.44},{"sentences":[{"text":"And then at when if at sixty seven, you get it all regardless.","start":1310.44,"end":1314.805,"sentiment":"neutral","sentiment_score":0.10585479409648822},{"text":"Is that something?","start":1314.805,"end":1316.165,"sentiment":"neutral","sentiment_score":0.051562766234079994},{"text":"Or I said 60 5.","start":1316.165,"end":1318.665,"sentiment":"neutral","sentiment_score":0.03875005319714546},{"text":"Yeah.","start":1319.2051,"end":1319.525,"sentiment":"neutral","sentiment_score":0.139602392911911},{"text":"And then okay.","start":1319.525,"end":1320.3251,"sentiment":"neutral","sentiment_score":0.19713932275772095}],"sentiment":"neutral","sentiment_score":0.09822284996509552,"num_words":25,"start":1310.44,"end":1320.3251},{"sentences":[{"text":"Cool.","start":1320.3251,"end":1320.725,"sentiment":"positive","sentiment_score":0.35267841815948486},{"text":"So alright.","start":1320.725,"end":1321.285,"sentiment":"neutral","sentiment_score":0.3213356137275696},{"text":"Cool.","start":1321.285,"end":1321.785,"sentiment":"neutral","sentiment_score":0.32894814014434814},{"text":"So if I do aggressively so far the questions.","start":1322.165,"end":1324.485,"sentiment":"neutral","sentiment_score":0.13080924997727075},{"text":"If I do aggressively invest, is three years assuming and I don't plan on taking that at 60.","start":1324.485,"end":1330.61,"sentiment":"neutral","sentiment_score":0.019383952745960817}],"sentiment":"neutral","sentiment_score":0.09195136080586142,"num_words":31,"start":1320.3251,"end":1330.61},{"sentences":[{"text":"I mean, I've done my math, and hopefully, I don't have to.","start":1330.67,"end":1333.81,"sentiment":"neutral","sentiment_score":0.18712983963390192},{"text":"So I'm happy to run it through to 65.","start":1334.03,"end":1336.61,"sentiment":"neutral","sentiment_score":0.3004098981618881},{"text":"But if something changes for the worse, whatever, you know, who knows?","start":1337.31,"end":1340.99,"sentiment":"neutral","sentiment_score":-0.18571716298659643},{"text":"Nobody knows what tomorrow brings.","start":1340.99,"end":1342.605,"sentiment":"neutral","sentiment_score":-0.11323370337486267},{"text":"Is three years enough to do the aggressive sort of investing?","start":1343.405,"end":1346.605,"sentiment":"neutral","sentiment_score":-0.06012668257409876}],"sentiment":"neutral","sentiment_score":0.03047100363337264,"num_words":49,"start":1330.67,"end":1346.605},{"sentences":[{"text":"Is that would you all not, assumingly?","start":1346.605,"end":1349.905,"sentiment":"neutral","sentiment_score":-0.06784643711788314},{"text":"Mhmm.","start":1357.245,"end":1357.745,"sentiment":"neutral","sentiment_score":-0.016384638845920563},{"text":"If it so that's so that would be, well, 57 now.","start":1365.12,"end":1370.4,"sentiment":"neutral","sentiment_score":-0.022642293944954872},{"text":"So that's that's less than ten years.","start":1370.4,"end":1372.1549,"sentiment":"neutral","sentiment_score":-0.034904079644807746},{"text":"And so that would be still alright then?","start":1372.1549,"end":1374.235,"sentiment":"neutral","sentiment_score":0.030668096616864204}],"sentiment":"neutral","sentiment_score":-0.02174584460718667,"num_words":34,"start":1346.605,"end":1374.235},{"sentences":[{"text":"If not, you so if I leave it up to 65, it's still okay?","start":1374.235,"end":1378.975,"sentiment":"neutral","sentiment_score":0.011060853089605058},{"text":"I'm 57 now.","start":1385.5149,"end":1386.6349,"sentiment":"neutral","sentiment_score":0.010831428381303946},{"text":"Yeah.","start":1386.6349,"end":1387.1349,"sentiment":"neutral","sentiment_score":0.045861683785915375},{"text":"Yep.","start":1391.17,"end":1391.67,"sentiment":"neutral","sentiment_score":0.10092946887016296},{"text":"Okay.","start":1397.81,"end":1398.31,"sentiment":"neutral","sentiment_score":0.07293066382408142}],"sentiment":"neutral","sentiment_score":0.02035340224392712,"num_words":20,"start":1374.235,"end":1398.31},{"sentences":[{"text":"Yeah.","start":1404.715,"end":1405.215,"sentiment":"neutral","sentiment_score":0.2522236108779907},{"text":"Yeah.","start":1421.04,"end":1421.54,"sentiment":"neutral","sentiment_score":-0.07838059216737747},{"text":"Okay.","start":1432.9049,"end":1433.4049,"sentiment":"neutral","sentiment_score":-0.1563679575920105},{"text":"Mhmm.","start":1440.03,"end":1440.53,"sentiment":"neutral","sentiment_score":-0.1174267902970314},{"text":"Okay.","start":1447.3575,"end":1447.8575,"sentiment":"neutral","sentiment_score":-0.06517843902111053}],"sentiment":"neutral","sentiment_score":-0.03302603363990784,"num_words":5,"start":1404.715,"end":1447.8575},{"sentences":[{"text":"Okay.","start":1455.645,"end":1456.145,"sentiment":"neutral","sentiment_score":0.09615558385849},{"text":"Yeah.","start":1461.2451,"end":1461.7451,"sentiment":"neutral","sentiment_score":0.1012769564986229},{"text":"Okay.","start":1472.3401,"end":1472.8401,"sentiment":"neutral","sentiment_score":0.0957684963941574},{"text":"K.","start":1481.3,"end":1481.8,"sentiment":"neutral","sentiment_score":0.005863228812813759},{"text":"And what do you sorry.","start":1481.9401,"end":1484.495,"sentiment":"neutral","sentiment_score":-0.025959277153015138}],"sentiment":"neutral","sentiment_score":0.01880754219988982,"num_words":9,"start":1455.645,"end":1484.495},{"sentences":[{"text":"Go on.","start":1484.555,"end":1485.375,"sentiment":"neutral","sentiment_score":-0.05540535971522331},{"text":"No.","start":1487.035,"end":1487.1951,"sentiment":"neutral","sentiment_score":-0.1503564417362213},{"text":"No.","start":1487.1951,"end":1487.355,"sentiment":"neutral","sentiment_score":-0.14712929725646973},{"text":"It's just saying what do you recommend, like, knowing my time frame?","start":1487.355,"end":1490.395,"sentiment":"neutral","sentiment_score":-0.06190391707544526},{"text":"Like, assuming I'm not gonna touch the super two of 67, like and I'm hoping that's the 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'67.","start":1573.135,"end":1578.435,"sentiment":"neutral","sentiment_score":-0.01789087976147938},{"text":"I don't plan on like, I mean, hopefully, I've sorted everything out, and I should be fine prior to that.","start":1579.28,"end":1585.84,"sentiment":"neutral","sentiment_score":-0.045656210370361806},{"text":"So but if that yeah.","start":1585.84,"end":1587.9199,"sentiment":"neutral","sentiment_score":0.014664782211184502},{"text":"So let's just say sixty seven at this point in 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yes.","start":2280.83,"end":2281.73,"sentiment":"neutral","sentiment_score":0.034937421480814614}],"sentiment":"neutral","sentiment_score":0.19723430391529512,"num_words":29,"start":2267.295,"end":2281.73},{"sentences":[{"text":"Where can I go?","start":2281.9502,"end":2283.1702,"sentiment":"neutral","sentiment_score":0.10927411168813705},{"text":"Yeah.","start":2287.325,"end":2287.7249,"sentiment":"neutral","sentiment_score":0.09958721697330476},{"text":"I mean, my niece is getting married in, like, Como in October, so we're going to sort of Italy, Prague, and London for just over a month in October, November.","start":2287.7249,"end":2299.265,"sentiment":"neutral","sentiment_score":0.16892936949928603},{"text":"Yeah.","start":2302.03,"end":2302.53,"sentiment":"positive","sentiment_score":0.5389620065689087},{"text":"Looking forward to that.","start":2302.83,"end":2303.95,"sentiment":"positive","sentiment_score":0.6970881968736649}],"sentiment":"neutral","sentiment_score":0.22329698856920005,"num_words":40,"start":2281.9502,"end":2303.95},{"sentences":[{"text":"Yeah.","start":2303.95,"end":2304.45,"sentiment":"neutral","sentiment_score":0.2388740181922913},{"text":"Yeah.","start":2305.79,"end":2306.1099,"sentiment":"neutral","sentiment_score":0.16635525226593018},{"text":"That's that's keeping us alive.","start":2306.1099,"end":2307.73,"sentiment":"neutral","sentiment_score":0.23036307096481323},{"text":"Yes.","start":2315.585,"end":2316.065,"sentiment":"neutral","sentiment_score":0.032885193824768066},{"text":"Still a non smoker.","start":2316.065,"end":2317.125,"sentiment":"neutral","sentiment_score":0.03516032616607845}],"sentiment":"neutral","sentiment_score":0.14421426031428078,"num_words":12,"start":2303.95,"end":2317.125},{"sentences":[{"text":"No.","start":2323.425,"end":2323.7449,"sentiment":"neutral","sentiment_score":-0.09222698956727982},{"text":"Nothing.","start":2323.7449,"end":2324.2449,"sentiment":"neutral","sentiment_score":-0.12450649589300156},{"text":"No.","start":2330.0,"end":2330.5,"sentiment":"neutral","sentiment_score":-0.06082594767212868},{"text":"Yeah.","start":2342.56,"end":2342.8,"sentiment":"neutral","sentiment_score":0.032859284430742264},{"text":"We actually just finished redone our wheels about a month or so ago.","start":2342.8,"end":2346.565,"sentiment":"neutral","sentiment_score":0.059049141235076465}],"sentiment":"neutral","sentiment_score":0.030761099256136838,"num_words":17,"start":2323.425,"end":2346.565},{"sentences":[{"text":"So yeah.","start":2346.565,"end":2347.285,"sentiment":"neutral","sentiment_score":0.06497941724956036},{"text":"So we both got current wheels.","start":2347.285,"end":2349.1448,"sentiment":"neutral","sentiment_score":0.0781156135102113},{"text":"Remember, I think it's the where we the solicitor that done the rules is the oh, no.","start":2360.86,"end":2366.78,"sentiment":"neutral","sentiment_score":-0.04579857167075662},{"text":"Not a power of attorney.","start":2366.78,"end":2367.74,"sentiment":"neutral","sentiment_score":-0.07367027401924134},{"text":"Sorry.","start":2367.74,"end":2368.24,"sentiment":"neutral","sentiment_score":-0.05701940506696701}],"sentiment":"neutral","sentiment_score":-0.01952561219373057,"num_words":31,"start":2346.565,"end":2368.24},{"sentences":[{"text":"No.","start":2368.7,"end":2368.86,"sentiment":"neutral","sentiment_score":-0.029692217707633972},{"text":"I haven't did you say power of attorney?","start":2368.86,"end":2371.28,"sentiment":"neutral","sentiment_score":-0.06808205600827932},{"text":"Yes.","start":2373.1802,"end":2373.495,"sentiment":"neutral","sentiment_score":-0.03328603506088257},{"text":"No.","start":2377.415,"end":2377.8152,"sentiment":"neutral","sentiment_score":-0.1311703324317932},{"text":"No.","start":2377.8152,"end":2378.135,"sentiment":"neutral","sentiment_score":-0.2038637101650238}],"sentiment":"neutral","sentiment_score":-0.07855572861929734,"num_words":12,"start":2368.7,"end":2378.135},{"sentences":[{"text":"We haven't done any of that.","start":2378.135,"end":2379.5752,"sentiment":"neutral","sentiment_score":-0.25147300710280734},{"text":"No.","start":2379.5752,"end":2379.895,"sentiment":"neutral","sentiment_score":-0.09943009912967682},{"text":"Not yet.","start":2379.895,"end":2380.635,"sentiment":"neutral","sentiment_score":-0.1177368238568306},{"text":"No.","start":2386.95,"end":2387.27,"sentiment":"neutral","sentiment_score":-0.07916485518217087},{"text":"It's just the two of us that we work together.","start":2387.27,"end":2389.45,"sentiment":"neutral","sentiment_score":-0.04813811592757702}],"sentiment":"neutral","sentiment_score":-0.12021439019590616,"num_words":20,"start":2378.135,"end":2389.45},{"sentences":[{"text":"We were we're planning on selling the house next year and either buying, rebuilding, or building somewhere, like, a bit sort of country ish.","start":2412.535,"end":2421.8398,"sentiment":"neutral","sentiment_score":-0.017239576161955483},{"text":"So other than that but, I mean, that would just be absorbed by the sale of the house.","start":2422.38,"end":2426.48,"sentiment":"neutral","sentiment_score":-0.044251277214950986},{"text":"But, yeah, I just I mean, I get the ultimate goal is to stay semi retired, not have to go back to the workforce.","start":2426.94,"end":2433.5251,"sentiment":"neutral","sentiment_score":0.0310868953820318},{"text":"So that's probably the ultimate goal.","start":2433.585,"end":2435.685,"sentiment":"neutral","sentiment_score":0.051756381367643677},{"text":"Yeah.","start":2436.5452,"end":2437.0251,"sentiment":"neutral","sentiment_score":0.04753968492150307}],"sentiment":"neutral","sentiment_score":-0.0014535528145194665,"num_words":73,"start":2412.535,"end":2437.0251},{"sentences":[{"text":"And enjoy life because not many people get this privilege what I'm I've got now to give up before, you know, retire before 60.","start":2437.0251,"end":2444.5452,"sentiment":"neutral","sentiment_score":-0.025665839610155672},{"text":"So I can maintain that.","start":2444.5452,"end":2447.08,"sentiment":"neutral","sentiment_score":-0.2207421839237213},{"text":"Yeah.","start":2447.08,"end":2447.58,"sentiment":"neutral","sentiment_score":0.004283009096980095},{"text":"No.","start":2456.6,"end":2456.92,"sentiment":"neutral","sentiment_score":-0.1045513078570366},{"text":"I think think that's about it.","start":2456.92,"end":2458.36,"sentiment":"neutral","sentiment_score":-0.14843103848397732}],"sentiment":"neutral","sentiment_score":-0.0732579891871963,"num_words":37,"start":2437.0251,"end":2458.36},{"sentences":[{"text":"I think you've covered everything.","start":2458.36,"end":2460.195,"sentiment":"neutral","sentiment_score":-0.10502249300479889},{"text":"And this year, you just sent me the the predictions for the the aggressive or the different form of investing.","start":2460.195,"end":2466.6152,"sentiment":"neutral","sentiment_score":-0.025750548904761673},{"text":"So I can Yep.","start":2467.715,"end":2479.22,"sentiment":"neutral","sentiment_score":0.1415120977908373},{"text":"Yeah.","start":2488.455,"end":2488.955,"sentiment":"neutral","sentiment_score":0.13332660496234894},{"text":"So let's jump straight to July.","start":2490.135,"end":2493.175,"sentiment":"neutral","sentiment_score":0.11469116434454918}],"sentiment":"neutral","sentiment_score":0.009649959418715702,"num_words":36,"start":2458.36,"end":2493.175},{"sentences":[{"text":"So what about the week of the July 6?","start":2493.175,"end":2495.495,"sentiment":"neutral","sentiment_score":0.05752062135272556},{"text":"What if any day that works is fine for me?","start":2495.495,"end":2498.635,"sentiment":"neutral","sentiment_score":0.12634733468294143},{"text":"If that's enough time for you?","start":2499.095,"end":2500.7952,"sentiment":"neutral","sentiment_score":0.24953511854012808},{"text":"It gives you, like, two yeah.","start":2501.04,"end":2504.56,"sentiment":"neutral","sentiment_score":0.09932137156526248},{"text":"That's I mean, I don't that's up to you.","start":2504.56,"end":2506.4001,"sentiment":"neutral","sentiment_score":-0.005617505560318629}],"sentiment":"neutral","sentiment_score":0.0955935082398355,"num_words":40,"start":2493.175,"end":2506.4001},{"sentences":[{"text":"I mean, if so you got a bit more time.","start":2506.4001,"end":2508.1602,"sentiment":"neutral","sentiment_score":0.04679740034043789},{"text":"For me, I'm flexible.","start":2508.1602,"end":2509.12,"sentiment":"neutral","sentiment_score":0.07083957549184561},{"text":"I don't care.","start":2509.12,"end":2509.6,"sentiment":"neutral","sentiment_score":-0.04264995952447256},{"text":"I'm semi retired, remember?","start":2509.6,"end":2511.06,"sentiment":"neutral","sentiment_score":0.005724120106606279},{"text":"Yeah.","start":2516.9348,"end":2517.255,"sentiment":"neutral","sentiment_score":0.12565645575523376}],"sentiment":"neutral","sentiment_score":0.03508797104454557,"num_words":22,"start":2506.4001,"end":2517.255},{"sentences":[{"text":"Exactly.","start":2517.255,"end":2517.755,"sentiment":"neutral","sentiment_score":0.13364210724830627},{"text":"So yeah.","start":2518.135,"end":2518.6948,"sentiment":"neutral","sentiment_score":0.05492653697729111},{"text":"So I'm not I mean, either the week of the twenty ninth or the week of the sixth.","start":2518.6948,"end":2523.815,"sentiment":"neutral","sentiment_score":0.011166420403040118},{"text":"That's up to you.","start":2523.815,"end":2524.615,"sentiment":"neutral","sentiment_score":0.11169452406466007},{"text":"Whatever whatever works for you.","start":2524.615,"end":2526.795,"sentiment":"neutral","sentiment_score":0.08974648341536522}],"sentiment":"neutral","sentiment_score":0.0446667087264359,"num_words":30,"start":2517.255,"end":2526.795},{"sentences":[{"text":"Okay.","start":2533.25,"end":2533.75,"sentiment":"neutral","sentiment_score":0.05385564640164375},{"text":"Afternoons, generally.","start":2539.57,"end":2540.8699,"sentiment":"neutral","sentiment_score":0.01414630888029933},{"text":"Yeah.","start":2541.73,"end":2542.23,"sentiment":"neutral","sentiment_score":0.03851136937737465},{"text":"Alright.","start":2549.0552,"end":2549.455,"sentiment":"neutral","sentiment_score":0.06032619997859001},{"text":"Let's look in Wednesday, the first.","start":2549.455,"end":2551.5552,"sentiment":"neutral","sentiment_score":0.04468469756344954}],"sentiment":"neutral","sentiment_score":0.04082672899080948,"num_words":11,"start":2533.25,"end":2551.5552},{"sentences":[{"text":"You said 04:00?","start":2552.735,"end":2554.435,"sentiment":"neutral","sentiment_score":0.01825050450861454},{"text":"Yeah.","start":2555.5352,"end":2556.0352,"sentiment":"neutral","sentiment_score":0.05134114995598793},{"text":"Yeah.","start":2556.5752,"end":2556.8152,"sentiment":"neutral","sentiment_score":0.15748003125190735},{"text":"That's that's fine.","start":2556.8152,"end":2558.0352,"sentiment":"neutral","sentiment_score":0.29463811715443927},{"text":"Yep.","start":2577.335,"end":2577.815,"sentiment":"neutral","sentiment_score":0.06714280694723129}],"sentiment":"neutral","sentiment_score":0.13495887257158756,"num_words":9,"start":2552.735,"end":2577.815},{"sentences":[{"text":"And Ira.","start":2577.815,"end":2578.555,"sentiment":"neutral","sentiment_score":0.03296364285051823},{"text":"Yep.","start":2578.615,"end":2579.115,"sentiment":"neutral","sentiment_score":0.030926883220672607},{"text":"And Ira, I think you yeah.","start":2580.2148,"end":2581.8948,"sentiment":"neutral","sentiment_score":0.03911338374018669},{"text":"Evan, like likewise, if you need more time, just that's like I said, I'm flexible, so I don't mind either.","start":2581.8948,"end":2586.3948,"sentiment":"neutral","sentiment_score":0.05238865385763347},{"text":"Sure.","start":2589.07,"end":2589.57,"sentiment":"neutral","sentiment_score":0.27406054735183716}],"sentiment":"neutral","sentiment_score":0.055112269862244524,"num_words":30,"start":2577.815,"end":2589.57},{"sentences":[{"text":"Okay.","start":2591.79,"end":2592.29,"sentiment":"positive","sentiment_score":0.358925461769104},{"text":"No worries.","start":2593.55,"end":2594.29,"sentiment":"positive","sentiment_score":0.44037771224975586},{"text":"Cool.","start":2603.485,"end":2603.645,"sentiment":"positive","sentiment_score":0.7082134485244751},{"text":"Thanks.","start":2603.645,"end":2604.145,"sentiment":"positive","sentiment_score":0.7415109872817993},{"text":"Appreciate it, Veronica.","start":2604.445,"end":2605.5051,"sentiment":"positive","sentiment_score":0.6612627406915029}],"sentiment":"positive","sentiment_score":0.5841491930186749,"num_words":8,"start":2591.79,"end":2605.5051},{"sentences":[{"text":"Have a good afternoon.","start":2605.8052,"end":2606.865,"sentiment":"positive","sentiment_score":0.36856189370155334},{"text":"Okay.","start":2607.245,"end":2607.745,"sentiment":"neutral","sentiment_score":0.23968610167503357},{"text":"Bye.","start":2607.885,"end":2608.385,"sentiment":"neutral","sentiment_score":0.19447779655456543},{"text":"Bye.","start":2608.7651,"end":2609.2651,"sentiment":"neutral","sentiment_score":-0.11888164281845091}],"sentiment":"neutral","sentiment_score":0.2556471186024802,"num_words":7,"start":2605.8052,"end":2609.2651}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Eric speaking.\n\nChannel 0: Good afternoon, Ricky. This is Veronica\n\nChannel 1: Hello?\n\nChannel 0: from Oakview Financial. How are you?\n\nChannel 1: Thank you. How are you? Who is this,\n\nChannel 0: Yeah.\n\nChannel 1: sir?\n\nChannel 0: Veronica from Oakview Financial?\n\nChannel 1: Oh, hi, Frank. How are you?\n\nChannel 0: Yeah. Good. Thanks. How are you, Ricky?\n\nChannel 1: I'm very well. You're very fine, too. I can very very barely hear you.\n\nChannel 0: Let me see if I can turn it up for you. Is that any better? Because I have it on\n\nChannel 1: Alright.\n\nChannel 0: max now.\n\nChannel 1: Oh,\n\nChannel 0: Any\n\nChannel 1: yeah.\n\nChannel 0: better?\n\nChannel 1: A little bit a little bit better. It's okay.\n\nChannel 0: Okay. I was just trying to talk loudly. I'll just apologize to to my colleagues around me. But\n\nChannel 1: That's\n\nChannel 0: if\n\nChannel 1: alright.\n\nChannel 0: you can't\n\nChannel 1: Yeah.\n\nChannel 0: hear me, let me know.\n\nChannel 1: Tell him to get for a cigarette.\n\nChannel 0: Right. Now I had to book in for your under review. You now still a good time for you?\n\nChannel 1: Yeah. Yeah. That's fine. That's\n\nChannel 0: Yeah.\n\nChannel 1: no no problem.\n\nChannel 0: Perfect. 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.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be?\n\nChannel 1: I'm jeez. It's been a while. Must be Charlie.\n\nChannel 0: Yes. That's the\n\nChannel 1: Yeah.\n\nChannel 0: one.\n\nChannel 1: Okay. Cool. Alright.\n\nChannel 0: Are you\n\nChannel 1: Perfect.\n\nChannel 0: happy to keep it with that, or\n\nChannel 1: Yeah.\n\nChannel 0: do you\n\nChannel 1: That's\n\nChannel 0: wanna\n\nChannel 1: fine.\n\nChannel 0: change\n\nChannel 1: I'll\n\nChannel 0: it?\n\nChannel 1: I'll forget if\n\nChannel 0: Yeah.\n\nChannel 1: I change it now.\n\nChannel 0: All good. Now, Ricky, before I do kind of jump into things, I do like to start by asking if there is anything specific that you would like to address or go through today or just a bit of an update and see if we need to make any changes and everything of yeah.\n\nChannel 1: I mean, my situation's changed since we signed up. I signed up with\n\nChannel 0: Mhmm.\n\nChannel 1: you guys. So before I was working now, I've kind of just semi retired. So\n\nChannel 0: Okay.\n\nChannel 1: I'm kind of, yeah, not getting a regular super contributing anymore\n\nChannel 0: Mhmm.\n\nChannel 1: from a work. I do do contract work every now and again, but haven't done any just yet. But\n\nChannel 0: Okay.\n\nChannel 1: that's kind of like the only thing that's changed\n\nChannel 0: Amazing.\n\nChannel 1: since.\n\nChannel 0: Yeah. And let me see here. So, obviously, Sam have retired.\n\nChannel 1: Yep.\n\nChannel 0: The contract work on this side, does that kind of, like, get you through, obviously, finance wise?\n\nChannel 1: Yeah. I mean, I'm living on, like, savings as such, but, yeah,\n\nChannel 0: Yep.\n\nChannel 1: like, the contract works more to just keep me a little bit busy every now and again to keep me relevant in the industry.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: So it's sort of yeah. I don't wanna sort of I'm still I'm not there. I'm 57 now. So I thought, well, you know,\n\nChannel 0: Yeah.\n\nChannel 1: I have the opportunity to come back on work, which is great. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. But and then I've got enough people that sort of still want me to sort of help here and there, so they sort of just offer me work every now and again.\n\nChannel 0: Okay.\n\nChannel 1: They're just picking\n\nChannel 0: Perfect.\n\nChannel 1: choosing where I wanna when I wanna work, basically.\n\nChannel 0: Yeah. Bit of flexibility, which is\n\nChannel 1: Mhmm.\n\nChannel 0: nice.\n\nChannel 1: Yeah. Pretty\n\nChannel 0: And\n\nChannel 1: much so. Yeah.\n\nChannel 0: so because, obviously, with the current legislation, if it is that you are fully retired, you can access all of your superannuation completely tax free at the age of 60. Or if you are semi retired, so still working, but, obviously, reduced hours and you wanna start drawing a bit of an income, you can do up to 10% under a transition to retirement when you turn\n\nChannel 1: Okay.\n\nChannel 0: 60\n\nChannel 1: Cool.\n\nChannel 0: as well.\n\nChannel 1: Oh, so that's from 60. Yeah?\n\nChannel 0: From 60. Yeah. So,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, not really applicable yet, but\n\nChannel 1: Yep.\n\nChannel 0: when you get there, then we can have a look at, well, what's your situation like. And if you do wanna start drawing a little bit from super or whether the plan is to keep it through '65. I had here before was your ideal retirement, but is that kind of brought forward a little bit?\n\nChannel 1: Yeah. Well, of course, things look changed a lot from my end since yeah. So I was just fortunate enough to been able to to take a step back from work and just work here and there. So yeah. So that's obviously yeah.\n\nIf I can retire now fully, that'd be great. I mean,\n\nChannel 0: Yep.\n\nChannel 1: I can't fully retire now. No dramas. Just working is just to keep me busy every now and again and give me something to do, basically.\n\nChannel 0: Yeah.\n\nChannel 1: Instead\n\nChannel 0: No.\n\nChannel 1: of\n\nChannel 0: I\n\nChannel 1: being\n\nChannel 0: get\n\nChannel 1: locked\n\nChannel 0: that.\n\nChannel 1: to your work, I wanna sort of\n\nChannel 0: Yeah.\n\nChannel 1: work\n\nChannel 0: Enjoy\n\nChannel 1: I don't\n\nChannel 0: life.\n\nChannel 1: wanna work to leave. I wanna leave to work. Does that make sense?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah?\n\nChannel 0: No. Totally. Okay. Perfect. And I do have here as well that when you want to start doing an income from super, that\n\nChannel 1: Yep.\n\nChannel 0: about a thousand dollars per week was last time what you kind of said was suitable. Is\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Let's\n\nChannel 0: still\n\nChannel 1: look\n\nChannel 0: kind\n\nChannel 1: at that\n\nChannel 0: of\n\nChannel 1: for this stage. I mean, it's\n\nChannel 0: mhmm.\n\nChannel 1: three\n\nChannel 0: Yep.\n\nChannel 1: years away before I even consider pulling\n\nChannel 0: Yes.\n\nChannel 1: anything from super, so that may change. But, yeah, that's that's\n\nChannel 0: Yeah.\n\nChannel 1: fine at this stage.\n\nChannel 0: Leave it for\n\nChannel 1: I mean,\n\nChannel 0: now.\n\nChannel 1: I've\n\nChannel 0: Okay.\n\nChannel 1: yeah. Some\n\nChannel 0: Okay. Perfect. Perfect. Now, obviously, because you have stopped working, obviously, you're not getting contributions into super anymore. Are\n\nChannel 1: Yep.\n\nChannel 0: you looking at making contributions yourself or, obviously, just living off savings at the moment, like, not really kind of right now?\n\nChannel 1: Not right now at this stage.\n\nChannel 0: No.\n\nChannel 1: I'm just living off savings, if that's alright. But I just like, I'm not sure\n\nChannel 0: Yeah.\n\nChannel 1: if the fund that's in is a non contributing fund as well, whether that's what they want. Yeah.\n\nChannel 0: No. You you definitely don't have you don't have to. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: putting contributions in will compound and make your super grow, but it's not a\n\nChannel 1: Of\n\nChannel 0: requirement\n\nChannel 1: course.\n\nChannel 0: that you have to. So if\n\nChannel 1: Okay.\n\nChannel 0: it is that you, you know, don't contribute for a while, that's no problem. Like, it's not gonna cancel or change or\n\nChannel 1: Yeah. So that'll\n\nChannel 0: anything\n\nChannel 1: still\n\nChannel 0: like\n\nChannel 1: sort\n\nChannel 0: that.\n\nChannel 1: of grow a lot\n\nChannel 0: Correct.\n\nChannel 1: slower, obviously.\n\nChannel 0: Correct. Yes.\n\nChannel 1: But, yeah,\n\nChannel 0: It'll still\n\nChannel 1: it went\n\nChannel 0: be\n\nChannel 1: not\n\nChannel 0: invested.\n\nChannel 1: as yeah. Exactly.\n\nChannel 0: Yeah.\n\nChannel 1: So it still will move up over time. Yeah. You\n\nChannel 0: Yes.\n\nChannel 1: will I will still see it increasing, but,\n\nChannel 0: Yes.\n\nChannel 1: yeah, just not as rapidly, I guess, as what if I was contributing.\n\nChannel 0: Correct.\n\nChannel 1: So that that's fine. At this stage, it's fine.\n\nChannel 0: Yep.\n\nChannel 1: But consent, I'm yeah. I mean, I've hopefully covered all aspects except for the super. That's anything that I can comfortably not rely on\n\nChannel 0: Yeah.\n\nChannel 1: super at this point in time anyway, so I'm happy with that.\n\nChannel 0: Yeah. Yeah. Beautiful. And what I might do as well, because it is good to do every now and then just to do a bit of a check-in. So after the call, if you're happy for me to do so, is that I can go and do just obviously factoring in, let's say, no contributions moving forward\n\nChannel 1: Yep.\n\nChannel 0: until 60. I can even do 65 as well just to show you how things are on track for and where that would kind of leave you come retirement\n\nChannel 1: Okay.\n\nChannel 0: so that you can obviously kind of see, okay. How are things tracking? But it's also a good time to do a bit of an update and reassessing your investment\n\nChannel 1: Yep.\n\nChannel 0: because things obviously have changed quite a bit in the world when you\n\nChannel 1: Yeah.\n\nChannel 0: came\n\nChannel 1: Exactly\n\nChannel 0: on board\n\nChannel 1: right.\n\nChannel 0: as well. And I do like to have a bit of a look at it now while we are talking about your investments actually. Do you have access to your emails at all there, Katie?\n\nChannel 1: I'm not sure that I'm on yet. I can still yeah. It's\n\nChannel 0: If\n\nChannel 1: open\n\nChannel 0: you\n\nChannel 1: to\n\nChannel 0: can\n\nChannel 1: 12\n\nChannel 0: if\n\nChannel 1: 37.\n\nChannel 0: if if not, if you're happy for me to just kind of run through them with you, I'm happy to do that. And then after the call, if it's easier for you to get them up late and have a look at it, that's also perfectly fine.\n\nChannel 1: Yeah. I mean, if yeah. I've I've noticed they've just sent me something for a signature,\n\nChannel 0: Yes.\n\nChannel 1: whatever that is.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: I'll get rid of that. Is that what you're talking about?\n\nChannel 0: Yes. Correct. Because part of that is if you do click on the link, now it\n\nChannel 1: Yep.\n\nChannel 0: will allow you to open up the documents first before\n\nChannel 1: To\n\nChannel 0: it\n\nChannel 1: sign\n\nChannel 0: prompts you\n\nChannel 1: document.\n\nChannel 0: to sign anything. Correct.\n\nChannel 1: Where\n\nChannel 0: Yes.\n\nChannel 1: is it? Okay. Yep. Okay. Yep.\n\nI've done\n\nChannel 0: And\n\nChannel 1: that.\n\nChannel 0: then perfect. Now can you see a document first where it says super summary?\n\nChannel 1: Yes. Summary of superannuation. Yep. Fifteenth of\n\nChannel 0: Yep.\n\nChannel 1: June.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So that shows you here, obviously, you have your Subaru in Hub 24, and you\n\nChannel 1: Mhmm.\n\nChannel 0: do have about $651,908 in there.\n\nChannel 1: Yep.\n\nChannel 0: And you don't have any insurances otherwise.\n\nChannel 1: Correct. Yes.\n\nChannel 0: Yep. Now on the next document, does that\n\nChannel 1: Yep.\n\nChannel 0: say have a '24 performance report? Performance\n\nChannel 1: Yep.\n\nChannel 0: with\n\nChannel 1: Okay.\n\nChannel 0: IRR. Can you see that one?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So that one here actually to breaks down your in investments in a bit more detail. So this one here is a report for the last twelve months. So it kind of shows you how your investments have performed over the last\n\nChannel 1: Yep.\n\nChannel 0: twelve months. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the last twelve months have been obviously, you probably heard in the news and stuff. We have seen quite a bit of fluctuations in the market with everything\n\nChannel 1: Yeah.\n\nChannel 0: that has happened.\n\nChannel 1: Mhmm.\n\nChannel 0: But in saying that, though, overall, your portfolio has still done really well. So if you scroll down to page two out of two for me,\n\nChannel 1: Yep.\n\nChannel 0: you should\n\nChannel 1: So pay.\n\nChannel 0: see\n\nChannel 1: Alright.\n\nChannel 0: total total portfolio.\n\nChannel 1: Yep. Yep. Yeah. I got that.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you look at the second column to the right versus internal rate of return. Can\n\nChannel 1: Mhmm.\n\nChannel 0: you see that? Yep.\n\nChannel 1: 10.44%.\n\nChannel 0: Correct. And that is\n\nChannel 1: Yep.\n\nChannel 0: after fees, which\n\nChannel 1: Okay.\n\nChannel 0: is which is really good kind of given, yeah, the market conditions we have had in the last twelve months. So, overall, quite happy with that. Now if you do scroll up again for me to page\n\nChannel 1: Yep.\n\nChannel 0: one where it talks\n\nChannel 1: Yep.\n\nChannel 0: about all individual investments. Now this is one part of the the research as well. To do a bit of an update on your super is what I wanna have a look at, which is the top one where it says Benelong Australian equity.\n\nChannel 1: Yep.\n\nChannel 0: Now if you go to the same column, so the second column to the right where it says internal rate of return again, that is how each of your investments have done.\n\nChannel 1: Right. 17\n\nChannel 0: Yep.\n\nChannel 1: 60%. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay. That's\n\nChannel 0: Right.\n\nChannel 1: good.\n\nChannel 0: The bracket actually means that it's down. So that's why I wanna review that investment for you.\n\nChannel 1: Right.\n\nChannel 0: Now\n\nChannel 1: Yep. So\n\nChannel 0: the other\n\nChannel 1: down\n\nChannel 0: one\n\nChannel 1: seven eight percent. Is that what you're saying?\n\nChannel 0: correct. So the\n\nChannel 1: Okay.\n\nChannel 0: Benelung is underperforming a little bit at the moment, but you can see that, obviously, a lot of your other investments, like, for example, the battery tech and lithium has gone through the roof, which is crazy.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm\n\nChannel 1: Yeah.\n\nChannel 0: 90\n\nChannel 1: Listen.\n\nChannel 0: one. So yes.\n\nChannel 1: Well, I gotta\n\nChannel 0: So\n\nChannel 1: do something. Thank Trump for that one with everyone's buying EVs\n\nChannel 0: right?\n\nChannel 1: now, including myself. I bought one too.\n\nChannel 0: Exactly.\n\nChannel 1: So yeah.\n\nChannel 0: I mean, I have a hybrid. Sorry. Partly there.\n\nChannel 1: You're partly there. Yeah. I've got a full\n\nChannel 0: Partly\n\nChannel 1: EV.\n\nChannel 0: there. Yeah. So, obviously, the whole portfolio, it is designed to give you that diversification. So we obviously don't wanna put everything into one option because, yes, sometimes you're gonna, you know, really, really good, but other times, as things fluctuate, it's not gonna be as great. So we wanna obviously make sure we diversify things for you.\n\nChannel 1: Yep.\n\nChannel 0: But at the same time, we do wanna be proactive with the investment. And if we foresee one investment underperforming a little bit and we don't foresee it coming back around, then we wanna look at making changes for you.\n\nChannel 1: Yep.\n\nChannel 0: So not always when an investment is down do we wanna sell out because that also means that you are selling when it's already dropped. But at the same time, if we foresee that there are better options out there that's gonna give you more growth, then we wanna look at alternative options. Now\n\nChannel 1: Okay.\n\nChannel 0: with Bennelong, it has underperformed a little bit, which you can see here. Now\n\nChannel 1: Mhmm.\n\nChannel 0: Bennelong is structured a little bit different to your other investments in that it is a managed fund. And how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market. And they\n\nChannel 1: Mhmm.\n\nChannel 0: had done really well in doing so. But as you can see here, the last twelve months, they've been a little bit slower with that.\n\nChannel 1: Yep.\n\nChannel 0: So I would like to have a look at that in a little bit more detail and do a bit of the the math and calculation to see, well, should we swap it for something else, and what will\n\nChannel 1: Mhmm.\n\nChannel 0: that look like for you if\n\nChannel 1: Okay.\n\nChannel 0: you're happy for me to do so.\n\nChannel 1: Yeah. That's that's perfectly\n\nChannel 0: Yep.\n\nChannel 1: fine. Yes.\n\nChannel 0: Yep. Perfect. And that also kind of then factors in through doing a bit of a you know, seeing how you are on track for super for retirement and everything like that, especially without contribution as that\n\nChannel 1: Yep.\n\nChannel 0: would obviously change from when you came on board because that was factoring in contribution.\n\nChannel 1: Yeah.\n\nChannel 0: So it\n\nChannel 1: Of\n\nChannel 0: is\n\nChannel 1: course.\n\nChannel 0: a good kind of check-in. Now with your investments as well, I'll go through just a quick kind of risk profile questionnaire with you. It\n\nChannel 1: Mhmm.\n\nChannel 0: is just multiple choice just to make it nice and easy, and there's no right or wrong answer. And it is just to see if we need to make any changes to your risk profile\n\nChannel 1: Yep.\n\nChannel 0: when it comes to your investment. So if\n\nChannel 1: Okay.\n\nChannel 0: it doesn't make sense, let me know.\n\nChannel 1: Yep.\n\nChannel 0: Now, Ricky, have you ever bought direct shares yourself on the stock market?\n\nChannel 1: Not myself. No.\n\nChannel 0: Not yourself. No. Perfect. Now the next question is in regards to how much risk you are willing to take for your superannuation. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: At this stage, when you say high risk and\n\nChannel 0: Mhmm.\n\nChannel 1: what does what's the difference in a high and mid range risk sort of thing?\n\nChannel 0: Mhmm.\n\nChannel 1: Like\n\nChannel 0: Yeah. So the best way actually to have a look at it is is typically how how much of your money is invested in growth assets versus defensive assets. So\n\nChannel 1: mhmm.\n\nChannel 0: a good way to actually look at it is if you can go back to the email for me.\n\nChannel 1: Yep.\n\nChannel 0: Now is your next attachment is that a Vanguard index chart?\n\nChannel 1: Hang on. Just yes. It is. Yes.\n\nChannel 0: Yes. Okay. Beautiful. Now that one here, it is good because it kinda correlates into it, and it\n\nChannel 1: Yep.\n\nChannel 0: is a good visual representation of what we are talking about when we're talking about the market. Have you ever seen something like this before?\n\nChannel 1: I've seen that kind of graph, but not in this like, in a in a dollar figure like it is now.\n\nChannel 0: Yeah. But, essentially, it kind of shows us a longer period of time. So it shows us the market from 1995 through 2005, and you can obviously see all the ups and downs in the market. When\n\nChannel 1: Yep.\n\nChannel 0: we do look at it historically, market always goes up. The short term, as you can see, there will be some ups and downs and market fluctuations. Now while we are then referring back to level of risk, it's how much goes into what portion. So for example, at the moment, we have you invested in a growth portfolio. So kind of\n\nChannel 1: Mhmm.\n\nChannel 0: somewhere in the middle where you you you are not defensive. So you're not your balance to balance growth options. You're still working on growth, but\n\nChannel 1: Yep.\n\nChannel 0: you don't have your high growth or aggressive where you see a little bit more. So for\n\nChannel 1: Mhmm.\n\nChannel 0: growth portfolio, we see 80% of the money invested in your growth assets. Now the\n\nChannel 1: Right.\n\nChannel 0: growth assets are the top four. So you can see here US shares obviously\n\nChannel 1: Mhmm.\n\nChannel 0: grow the most, also fluctuates the most as well. You have Australian shares.\n\nChannel 1: Yeah.\n\nChannel 0: The next one, again,\n\nChannel 1: Yep.\n\nChannel 0: very similar, international shares and property. And you can see here that these grow the most, this fluctuates the most.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah. Whereas you then have 20% in the bottom three. So, like, your cash a gold will also kind of come in here and fixed interest, which kind of level things out a little bit for you.\n\nChannel 1: Alright.\n\nChannel 0: So\n\nChannel 1: Cool. Yeah. With the\n\nChannel 0: who's\n\nChannel 1: rapid\n\nChannel 0: that?\n\nChannel 1: investment or the aggressive investment, whatever you called it now, What I mean, your I mean, this is your field that I'm talking about. I guess, what\n\nChannel 0: Mhmm.\n\nChannel 1: do you\n\nChannel 0: Yes.\n\nChannel 1: recommend? Like, I don't mind being a bit aggressive in it. Like, I've still\n\nChannel 0: Okay.\n\nChannel 1: got a couple of years. I know things hopefully will balance out. I mean, I know the\n\nChannel 0: Mhmm.\n\nChannel 1: more you invest, the the more risk to lose stuff, but hoping\n\nChannel 0: Yes.\n\nChannel 1: in my mind, it can come back quicker than what you do if you do a less in growth investment, if that makes if I'm explaining\n\nChannel 0: Yes.\n\nChannel 1: myself\n\nChannel 0: It makes sense. No.\n\nChannel 1: right.\n\nChannel 0: It totally makes sense. And that is the other thing we kind of look at. So there are a couple of different components. The first is so there is profile question that gives me an indication on how you would feel in certain situations from, like,\n\nChannel 1: Mhmm.\n\nChannel 0: a behavioral point of view. But the other thing that comes into play is time frame, like you touch up. So we wanna make sure that you have enough time in the market for this fluctuation. Now\n\nChannel 1: Yep.\n\nChannel 0: as a guideline in a growth portfolio, which is what you are currently, ideally, we'd like to see about six years to retirement. So if\n\nChannel 1: Mhmm.\n\nChannel 0: you are kind of wanting to start drawing super, some money from super, let's say, in three years or something, if we then move you up through, let's say, a high growth, the minimum, ideally, we'd like to see is eight years. So it does\n\nChannel 1: Mhmm.\n\nChannel 0: mean that if you went to potentially take some of it out, it could be down at the time. So from a time frame point of view, it could even be more suitable to be more defensive, like your balance growth to be five years. But at\n\nChannel 1: Mhmm.\n\nChannel 0: the same time, it's also what you are comfortable with. And if you are like, well, I'm not gonna take everything out. I just wanna start drawing a little bit of an income, then that can still be okay. Then, obviously,\n\nChannel 1: Right.\n\nChannel 0: because your super balance is quite high, which is fantastic, having a couple percent shift, you will feel it more than, obviously, someone with a smaller balance.\n\nChannel 1: Yeah. Because because I mean, obviously, I'm not contributing anymore. Like, it I may I mean,\n\nChannel 0: Yes.\n\nChannel 1: if I get the way their contract work is that some on their casual book, so they sort of give me, you know, one or two weeks work, it'll be like a casual. So they'll pay super on that. So there may be dribs and drabs coming through over\n\nChannel 0: Yes. Okay.\n\nChannel 1: time, but\n\nChannel 0: Yes.\n\nChannel 1: it won't be a regular monthly super as what it was previously\n\nChannel 0: Yes.\n\nChannel 1: contribution. So and I was I'm not I used to contribute a bit before, but I've stopped that as well. So it'll\n\nChannel 0: Yes.\n\nChannel 1: yeah. There may be a little bit. So because of that, I'm happy to be a bit more aggressive in my investing\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: to sort of balance that if that kind\n\nChannel 0: Yeah.\n\nChannel 1: of works. But\n\nChannel 0: Yeah.\n\nChannel 1: worst case, you're not gonna lose a lot, basically. That's,\n\nChannel 0: No.\n\nChannel 1: you know, the big question, I guess, at the end of the\n\nChannel 0: Yeah.\n\nChannel 1: day.\n\nChannel 0: Yep.\n\nChannel 1: So you guys monitor that anyway, don't you? If it\n\nChannel 0: Yes.\n\nChannel 1: sort of\n\nChannel 0: We\n\nChannel 1: suddenly\n\nChannel 0: do.\n\nChannel 1: crashing quite\n\nChannel 0: Yes.\n\nChannel 1: quickly, you would alter that or\n\nChannel 0: We we wanna\n\nChannel 1: react to\n\nChannel 0: be\n\nChannel 1: that\n\nChannel 0: proactive.\n\nChannel 1: would be my assumption\n\nChannel 0: Exact\n\nChannel 1: there.\n\nChannel 0: Exactly. No. Definitely. So we\n\nChannel 1: Okay.\n\nChannel 0: do obviously keep an eye on everything for you, but, yeah, also time frame comes in play. So if you are wanting growth and you are comfortable with fluctuations, then growth is pretty suitable where you are at,\n\nChannel 1: Mhmm.\n\nChannel 0: which is, like I said, it's about a sixty sorry, a six year time frame, and you still\n\nChannel 1: Yep.\n\nChannel 0: have 80% in those top four. So you'll\n\nChannel 1: Yep.\n\nChannel 0: obviously have majority of the money in\n\nChannel 1: Mhmm.\n\nChannel 0: those areas. If we move to a high group, you'll have 90%,\n\nChannel 1: Okay. Yeah. Okay.\n\nChannel 0: which which could be quite high from from a time frame point of view If you are comfortable with that.\n\nChannel 1: Yeah. So if I can do like,\n\nChannel 0: Yep.\n\nChannel 1: if if I do the aggressive growth now and then\n\nChannel 0: Mhmm.\n\nChannel 1: say a year or two down the track, I tend to change my mind, and I can do that as well. Yeah? You're not sort of\n\nChannel 0: You\n\nChannel 1: stuck with that one.\n\nChannel 0: no. You are definitely not stuck. You definitely can. The only thing is because we are wanting a time frame, because in a high growth portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: the the chance of having a negative year during that time frame is a lot higher than, obviously, in a growth portfolio. So we do\n\nChannel 1: Right.\n\nChannel 0: like to invest more long term. So, often, if I have clients who are like, oh, can I just be aggressive for a year and then change? It's like,\n\nChannel 1: Yeah.\n\nChannel 0: yeah. You'd have to be very lucky that during that one year, it's great, but you could also be unlucky that that's the the time\n\nChannel 1: It's\n\nChannel 0: is down.\n\nChannel 1: yeah. So it's down in that year and you change, you're not gonna make up your loss,\n\nChannel 0: Then\n\nChannel 1: I guess. Is that what you're\n\nChannel 0: Exactly.\n\nChannel 1: saying? Yeah?\n\nChannel 0: Exactly.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: And and\n\nChannel 0: so keep\n\nChannel 1: assuming I don't have to touch my super till 67 or whatever,\n\nChannel 0: Mhmm.\n\nChannel 1: what's my retirement age? 67 now, isn't it? I don't know. They always\n\nChannel 0: What\n\nChannel 1: change it.\n\nChannel 0: Super, you can access at 60 completely without a transition to retirement, 67. Even if you wanna keep working, you can still take everything out at 65. 67 is age pension if you're eligible for it.\n\nChannel 1: Right. Cool. Okay. Cool. And then when can I take the super app completely?\n\nAt what age? Like, I'm 60, but did you how do you prove you're fully retired, though, at 60?\n\nChannel 0: Yep.\n\nChannel 1: Just don't\n\nChannel 0: Correct.\n\nChannel 1: put a group certificate in or something. Is there no?\n\nChannel 0: Correct. So if you if you completely retire,\n\nChannel 1: Yep.\n\nChannel 0: then you can take everything tax free at 60.\n\nChannel 1: Right.\n\nChannel 0: Now if you do retire and then in two years later, you decide now retirement life isn't for me, and you go back to work. That's fine.\n\nChannel 1: Yep.\n\nChannel 0: Because at the time of when you are wanting to take the money out, you have ceased employment. And at that time, you are not looking at working.\n\nChannel 1: Okay. Cool.\n\nChannel 0: If you want to keep working 65, you can take everything tax free. Between\n\nChannel 1: Mhmm.\n\nChannel 0: 60\n\nChannel 1: Regardless.\n\nChannel 0: and 65, correct. You can you can\n\nChannel 1: Okay.\n\nChannel 0: work full time and take it all out at 65. But between 60 and sixty five, there are then different strategies you can do to get up to 10% out.\n\nChannel 1: Yep. Right. Okay.\n\nChannel 0: Tax\n\nChannel 1: Cool.\n\nChannel 0: free.\n\nChannel 1: And then at\n\nChannel 0: Yeah.\n\nChannel 1: when if at sixty seven, you get it\n\nChannel 0: Yep.\n\nChannel 1: all regardless. Is that something?\n\nChannel 0: Or sixty\n\nChannel 1: Or\n\nChannel 0: five. 65,\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: said\n\nChannel 0: can take\n\nChannel 1: 60\n\nChannel 0: everything?\n\nChannel 1: 5.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. And then okay. Cool. So alright. Cool.\n\nSo if I do aggressively so far the questions. If I do aggressively invest, is\n\nChannel 0: Mhmm.\n\nChannel 1: three years assuming and I don't plan on taking that at 60. I mean,\n\nChannel 0: Yep.\n\nChannel 1: I've done my math, and hopefully, I don't have to. So I'm happy to run it through to 65.\n\nChannel 0: Mhmm.\n\nChannel 1: But if something changes for the worse, whatever, you know, who knows? Nobody\n\nChannel 0: Yep.\n\nChannel 1: knows what\n\nChannel 0: Yeah.\n\nChannel 1: tomorrow brings.\n\nChannel 0: Yeah.\n\nChannel 1: Is three years enough to do the aggressive sort of investing? Is that would you all not, assumingly?\n\nChannel 0: Typically, not. I would say I wouldn't unless you are like, yeah. No. I don't mind.\n\nChannel 1: Mhmm.\n\nChannel 0: Typically, I would say I wouldn't go aggressive with someone unless they are willing to invest it for ten years\n\nChannel 1: If\n\nChannel 0: just because of\n\nChannel 1: it so that's\n\nChannel 0: those fluctuations.\n\nChannel 1: so that would\n\nChannel 0: Yeah.\n\nChannel 1: be, well, 57 now. So that's that's less than ten years. And so that would be still alright then? If not, you so\n\nChannel 0: To 60\n\nChannel 1: if I leave\n\nChannel 0: 7.\n\nChannel 1: it up to 65, it's still okay?\n\nChannel 0: Well, let me have a look here. So you said because at the moment, you're 57.\n\nChannel 1: I'm 57 now. Yeah.\n\nChannel 0: Yeah. So ten years time, that will be obviously sixty seven.\n\nChannel 1: Yep.\n\nChannel 0: So then that is pushing it a little bit from a time frame point\n\nChannel 1: Okay.\n\nChannel 0: of view. But at the same time, it's not just about time because it's like, well, it's also if you're willing to take that,\n\nChannel 1: Yeah.\n\nChannel 0: then that's fine. Because I I have some people that, you know, 65 and go, oh, yeah. I'm perfectly happy with those fluctuations. Just trying to grow my super, which is fine. And then I also have 20 year olds who go, no.\n\nNo. No. I want made you majority in defensive. I don't feel comfortable at all.\n\nChannel 1: Yeah.\n\nChannel 0: But, basically, just from your reference, in an aggressive portfolio, about one in three years, there's a change a likelihood of a negative return. In\n\nChannel 1: Okay.\n\nChannel 0: a high growth sorry. There is also one in between. So a high growth is one step up from what you are at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: It's about one in five years, we see, in a negative.\n\nChannel 1: Okay.\n\nChannel 0: So that might be a little bit more suitable if you are wanting more growth because a high growth, we say about eight years to retirement. So\n\nChannel 1: Okay.\n\nChannel 0: it might fit a little bit more with your time frame, but still increasing because a high\n\nChannel 1: Yeah.\n\nChannel 0: growth, 90%. You still have about 10% defensive, but you have 90% in those top four. So majority will go there\n\nChannel 1: Okay.\n\nChannel 0: Because then in a in a balanced growth, we'll see about one sorry. In a growth, you have about one in six years.\n\nChannel 1: K. And what\n\nChannel 0: So\n\nChannel 1: do you\n\nChannel 0: if you\n\nChannel 1: sorry. Go on.\n\nChannel 0: no. You go.\n\nChannel 1: No. No. It's just saying what do you recommend, like, knowing my time frame? Like, assuming I'm not gonna touch the super two of 67, like and\n\nChannel 0: Yep.\n\nChannel 1: I'm hoping that's the case. I mean, soup\n\nChannel 0: Yep.\n\nChannel 1: is my sort of end of the line sort of\n\nChannel 0: Yeah.\n\nChannel 1: pop up, if that makes sense.\n\nChannel 0: Yep.\n\nChannel 1: So I'm hoping I don't have to. I hope you've I've organized everything fine because\n\nChannel 0: Yep. Yep.\n\nChannel 1: so, assuming, I do not touch to 67 to\n\nChannel 0: Mhmm.\n\nChannel 1: be aggressive investing it now, would that is that would you say that's okay or would you just knock it back and leave it where we are now? Because we're in the next step, did you say? The one step\n\nChannel 0: High\n\nChannel 1: lower\n\nChannel 0: growth.\n\nChannel 1: than the\n\nChannel 0: So there's so, basically, we have aggressive, then\n\nChannel 1: yep.\n\nChannel 0: high growth. Growth is where you are right now, and\n\nChannel 1: Yep.\n\nChannel 0: then you have balanced growth and defensive. Now\n\nChannel 1: Okay.\n\nChannel 0: what I can do for you as well, if it's something that you are comfortable seeing a bit of risk, I also wanna make sure that if you don't need to take unnecessary risk, there's no point to doing so.\n\nChannel 1: Mhmm.\n\nChannel 0: But if you need to increase the risk a little bit and you are comfortable with that in order to kinda get your super to where you want it to be at the time of retirement, then part of\n\nChannel 1: Yep.\n\nChannel 0: the research is I can have a look at both options for you. So I can do one with growth where you are at at the moment with no contributions, reviewing your investments and seeing, okay. Well, if sorry. Did you say about '65 or '67? When do you\n\nChannel 1: Mhmm.\n\nChannel 0: think\n\nChannel 1: I mean\n\nChannel 0: realistically?\n\nChannel 1: I mean, realistically, probably, let's say '67.\n\nChannel 0: Okay.\n\nChannel 1: I don't plan on like, I mean, hopefully, I've sorted everything out, and I should be\n\nChannel 0: Yeah.\n\nChannel 1: fine\n\nChannel 0: Yep.\n\nChannel 1: prior to that. So but\n\nChannel 0: Okay.\n\nChannel 1: if that yeah. So let's just say sixty seven at this\n\nChannel 0: Sixty\n\nChannel 1: point\n\nChannel 0: seven.\n\nChannel 1: in time.\n\nChannel 0: Okay. Perfect. So I'll work with one\n\nChannel 1: Mhmm.\n\nChannel 0: option. I'll assess because I wanna run all the numbers for you as well. Because if it is that, okay, increasing you a little bit to high even if we do one\n\nChannel 1: Yep.\n\nChannel 0: up to a high growth portfolio and seeing how that's gonna change things for you, if that's gonna make quite a big of a difference then and you are comfortable with it, then I will\n\nChannel 1: Okay.\n\nChannel 0: recommend it. But if at the same time where you are right now in a growth portfolio, if you are still gonna get to your goal of drawing a thousand dollars per week from retirement at\n\nChannel 1: Yep.\n\nChannel 0: 67, if you're already gonna get there with the level of growth the level of risk you are currently with, there might not be a need to increase it. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Of course. Like, I'm not\n\nChannel 0: Okay.\n\nChannel 1: scared to take a bit of risk.\n\nChannel 0: Yeah.\n\nChannel 1: Like, that's that's\n\nChannel 0: Okay.\n\nChannel 1: fine.\n\nChannel 0: Good.\n\nChannel 1: Like, you know what I mean? So\n\nChannel 0: Yeah.\n\nChannel 1: don't don't say I'm all yeah. Like, I'm really, yeah, worried,\n\nChannel 0: Yeah.\n\nChannel 1: but I just obviously,\n\nChannel 0: Good.\n\nChannel 1: I wanna make sure\n\nChannel 0: Do you\n\nChannel 1: I'm\n\nChannel 0: wanna\n\nChannel 1: taking\n\nChannel 0: grow it?\n\nChannel 1: the right\n\nChannel 0: Yes.\n\nChannel 1: risk, if that makes sense.\n\nChannel 0: Yes. Yes. And also\n\nChannel 1: Yep.\n\nChannel 0: with your investments, because a lot of the investments, even though we're talking about growth investments, it's not like we have it in super risky investments. We don't have speculative investments. We we don't invest it in, like, direct shares. So you put everything into the one option. It's still, like, ETFs where it's still very diversified.\n\nSo it's, like, one investment option is still diversified. You're not putting all the eggs in one basket regardless.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So I'll keep that in mind that you're comfortable with with high growth,\n\nChannel 1: Yep.\n\nChannel 0: seeing where that leaves you, and that at least is one step up, slightly bit of that defensive.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Exactly.\n\nChannel 0: I'll run the numbers for you as well\n\nChannel 1: Okay.\n\nChannel 0: just to see what that would look like.\n\nChannel 1: Yeah. Because I I mean, I\n\nChannel 0: Yep.\n\nChannel 1: sort of don't mind being, you know, a bit of aggressive now, but I'm just thinking if if something happens two years or three down the road and it crashes and I lose quite a bit, have I got enough\n\nChannel 0: Mhmm.\n\nChannel 1: time to\n\nChannel 0: Yeah.\n\nChannel 1: make that up before '67? That that's the main sort\n\nChannel 0: That's\n\nChannel 1: of thing\n\nChannel 0: okay.\n\nChannel 1: that I'm thinking of. Yeah?\n\nChannel 0: Yeah. And because aggressive, typically, we see 100% in growth. There's no defensive at all. So,\n\nChannel 1: Yeah.\n\nChannel 0: like, no gold, no no fixed interest or anything like that, typically.\n\nChannel 1: Yeah. Okay. Look,\n\nChannel 0: Yep.\n\nChannel 1: I'm happy to, yeah, work out. I mean, if you crunch the numbers and and you said, I mean,\n\nChannel 0: Yep.\n\nChannel 1: you know, this is good at good at yeah. If you've got a bit of time, I'm happy to take\n\nChannel 0: Yep.\n\nChannel 1: your advice and and that\n\nChannel 0: Yes.\n\nChannel 1: no dramas whatsoever.\n\nChannel 0: Okay. Alright. I'll have a look at both I'll have a look at a few options for you, and\n\nChannel 1: Yep.\n\nChannel 0: I can show you I'll make a recommendation on what I think. But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well\n\nChannel 1: Perfect.\n\nChannel 0: for that. Sorry. That is no problem.\n\nChannel 1: Excellent.\n\nChannel 0: Perfect. Now going back to the documents while we're in\n\nChannel 1: Yep.\n\nChannel 0: there for you, the next document you can see, which one is that?\n\nChannel 1: Yep. So that's after the Vanguard?\n\nChannel 0: Yes, please.\n\nChannel 1: And that's the just as oak if you find it, like, it's a dot. It's a it's a pig.\n\nChannel 0: Yes.\n\nChannel 1: Like,\n\nChannel 0: Yep.\n\nChannel 1: the hole.\n\nChannel 0: So that one here, you probably saw when you came on board as well. It is one of those compliance documents. It is it just gives you all the important information regarding us here at o q. So none of the important information has changed since last time, but we've had a bit of an update to our marketing. So some\n\nChannel 1: Yep.\n\nChannel 0: of the photos might look a little bit different, and we've\n\nChannel 1: No.\n\nChannel 0: also had a bit of extension to the team, which is good. But if you do wanna scroll through, if you wanna put a face through the voice,\n\nChannel 1: I can see\n\nChannel 0: which\n\nChannel 1: you on\n\nChannel 0: sometimes\n\nChannel 1: yeah. I\n\nChannel 0: is\n\nChannel 1: can\n\nChannel 0: nice.\n\nChannel 1: I can see your face?\n\nChannel 0: Yeah. So sometimes that's nice, obviously, when we're speaking over the phone. So, yep, there I am. You can see the team as well as you kind of scroll through. But like I\n\nChannel 1: Yep.\n\nChannel 0: said, none of the important information has changed otherwise for you.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Now the next one there for you, is that your ongoing service agreement? This is a consent to\n\nChannel 1: Yeah.\n\nChannel 0: new ongoing\n\nChannel 1: Consent.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So that one here, if you're happy to do so, it will ask for your signature. Now what it is, it is to say that you are happy to stay on as a client. Now\n\nChannel 1: Yep.\n\nChannel 0: there is no changes whatsoever in regards to the fee structure. It stays\n\nChannel 1: Mhmm.\n\nChannel 0: exactly the same at 1.65 from super only,\n\nChannel 1: Yep.\n\nChannel 0: and it is not a lock in contract. So if at any point in time, you are not happy, it's not a lock in contract. But by signing this, it allows us to service your account and manage your investments and everything for you in the meantime.\n\nChannel 1: Yep. Perfect. No. That that's perfectly fine. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Cool.\n\nChannel 0: Beautiful.\n\nChannel 1: I can just sign that now. I've got you sign.\n\nChannel 0: Oh, yes. And I think that's the only one it will ask you to sign.\n\nChannel 1: Okay. And then so I've just done that now, so you should get a copy\n\nChannel 0: Oh, yes. Perfect. Does\n\nChannel 1: coming\n\nChannel 0: it say\n\nChannel 1: through.\n\nChannel 0: validating?\n\nChannel 1: Yeah. Yes. It's validating. That's loading from my end, so I don't know what that means.\n\nChannel 0: Okay.\n\nChannel 1: Hopefully, it doesn't crash.\n\nChannel 0: No. Usually, it'll take a little bit it'll take a little bit just to come through on my end. But while I\n\nChannel 1: Okay.\n\nChannel 0: wait for that to come through, I'll just go through the rest of the fact find to see if there's anything else that's changed that we need to factor into the advice. And, yes, I can see that's come through right now. So that's great. So thank you so much for that, Ricky.\n\nChannel 1: Excellent. You're welcome.\n\nChannel 0: Now, otherwise, when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct?\n\nChannel 1: Correct. Yes.\n\nChannel 0: Yep. Perfect. And next up, Ken, I have Tony nominated. That's correct as well.\n\nChannel 1: Yeah. He's my husband. Yes.\n\nChannel 0: Beautiful. Now I don't actually have his phone number listed on file. Would you mind providing that to me?\n\nChannel 1: Yeah. For sure. It's\n\nChannel 0: Yep.\n\nChannel 1: 0488,\n\nChannel 0: Double eight. Yep.\n\nChannel 1: 055,\n\nChannel 0: Zero double five. Yep.\n\nChannel 1: 222.\n\nChannel 0: 222. Perfect. Thank you so much. It's only just in the event for some reason we cannot get in touch with you at all. It's only then we would we would\n\nChannel 1: No.\n\nChannel 0: give\n\nChannel 1: That's\n\nChannel 0: him\n\nChannel 1: fine.\n\nChannel 0: a\n\nChannel 1: And\n\nChannel 0: call.\n\nChannel 1: he's still down as a beneficiary, like the whatever they\n\nChannel 0: Correct.\n\nChannel 1: call it there. Because that's\n\nChannel 0: Yes.\n\nChannel 1: every tree\n\nChannel 0: Okay.\n\nChannel 1: you've\n\nChannel 0: Sorry.\n\nChannel 1: got to sign the document, isn't it?\n\nChannel 0: What was that? Sorry?\n\nChannel 1: You know, for the beneficiary. So he's down for\n\nChannel 0: Mhmm.\n\nChannel 1: a 100%, and that's I have to sign a document every three years. Is that my understanding?\n\nChannel 0: Let me triple check. It depends on the type of nomination that you did. Let me triple check on your account. But, yes, I can see that Tony is down at a 100% nominated, which\n\nChannel 1: Yep.\n\nChannel 0: is correct. If something ever woulda happened to you, it will a 100% go to him. And because he is your spouse, it will be tax free, which is great.\n\nChannel 1: Perfect.\n\nChannel 0: Now in terms of actually come how often you have to complete it, it depends on which nomination you actually made. So, yes, you did a lapsing nomination,\n\nChannel 1: Yep.\n\nChannel 0: which does mean that every three years, you have to complete it.\n\nChannel 1: And that will I'll get an email or a letter in the mail or something about that. Is that how that works?\n\nChannel 0: So, normally, we would touch base with you to say, hey. It's expired or expiring. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you wanna renew it? So the\n\nChannel 1: Is there\n\nChannel 0: expiry\n\nChannel 1: another way I\n\nChannel 0: date,\n\nChannel 1: can do it? So is there\n\nChannel 0: Yes.\n\nChannel 1: another\n\nChannel 0: You\n\nChannel 1: way that I don't have to worry about filling that out every three years unless yeah.\n\nChannel 0: yes. Yes. So you can change it to a non lapsing, which means it\n\nChannel 1: Yep.\n\nChannel 0: stays in place until you decide to change it.\n\nChannel 1: Okay. Yeah. Can we do that? Is that do I have\n\nChannel 0: Yes.\n\nChannel 1: to sign anything for that?\n\nChannel 0: You do, unfortunately, because it is changing a legal nomination.\n\nChannel 1: Yep.\n\nChannel 0: I can get the form prefilled for you. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: prefilled Tony's information, change it to nonlapsing binding. Do you have access to a printer, or do you prefer post?\n\nChannel 1: Yes. I've I've had my printer still works here. I've already printed these days. But, yeah, I do have a printer, but I haven't\n\nChannel 0: Do\n\nChannel 1: printed\n\nChannel 0: you wanna\n\nChannel 1: for\n\nChannel 0: try?\n\nChannel 1: ages.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. It's downstairs, but I think it should be fine. If not, I'll\n\nChannel 0: Okay.\n\nChannel 1: just I'll\n\nChannel 0: Let\n\nChannel 1: find\n\nChannel 0: me\n\nChannel 1: someone\n\nChannel 0: know,\n\nChannel 1: with\n\nChannel 0: and we'll\n\nChannel 1: the printer.\n\nChannel 0: get it. Yep. Beautiful. So what I'll do then is I will get the team to email that to you. We'll prefill it to make it nice and easy.\n\nYou just need to print it off, get it witnessed by two people,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: then you could just scan it and send it back, and I'll upload that to Hub 24, and that will then stay in place. You don't even have to keep an eye on time frames or anything like that. It's just,\n\nChannel 1: Perfect.\n\nChannel 0: obviously,\n\nChannel 1: Yeah.\n\nChannel 0: if your\n\nChannel 1: That that\n\nChannel 0: situation\n\nChannel 1: would be\n\nChannel 0: ever\n\nChannel 1: better\n\nChannel 0: change,\n\nChannel 1: because\n\nChannel 0: just let\n\nChannel 1: yeah.\n\nChannel 0: us know. Yep.\n\nChannel 1: That's easier. Perfect.\n\nChannel 0: Beautiful. That's what most people do as well just so they don't have to have to remember it just\n\nChannel 1: Yeah.\n\nChannel 0: in case.\n\nChannel 1: Exactly.\n\nChannel 0: So we will get that updated. Otherwise, let me see here. Expenses and savings per week was obviously probably a little bit different for you to what it used to be. Are you do you know roughly, like, your total bills and expenses and stuff per week or month or fortnightly? I'm not sure.\n\nChannel 1: Not sure. I mean, it just\n\nChannel 0: No. That's\n\nChannel 1: fluctuates\n\nChannel 0: all good.\n\nChannel 1: some weeks\n\nChannel 0: Yeah.\n\nChannel 1: more than others. And, like, I mean, obviously, you know, every quarter when the electricity bill comes\n\nChannel 0: Mhmm.\n\nChannel 1: in, you're spending more and then, you know, you're not\n\nChannel 0: And\n\nChannel 1: in\n\nChannel 0: then you\n\nChannel 1: you\n\nChannel 0: read\n\nChannel 1: know,\n\nChannel 0: your\n\nChannel 1: so\n\nChannel 0: stew and\n\nChannel 1: yeah. Exactly. Insurance\n\nChannel 0: everything.\n\nChannel 1: and\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: all good.\n\nChannel 1: So it sort of fluctuates. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: we at the moment, I could probably say we probably live on less than 500 a week, but then other times\n\nChannel 0: Oh,\n\nChannel 1: it's,\n\nChannel 0: that's\n\nChannel 1: you\n\nChannel 0: fine.\n\nChannel 1: know, 2,000 a week because, you know, I've got\n\nChannel 0: Yeah.\n\nChannel 1: a few bills I'm paying or whatever. But you know what I mean? Like,\n\nChannel 0: Yes.\n\nChannel 1: so it's very\n\nChannel 0: Yeah.\n\nChannel 1: hard to say this is what we spend every week.\n\nChannel 0: Yeah. Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine. It it it's like that for most people as well,\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: especially\n\nChannel 1: It's very,\n\nChannel 0: nowadays.\n\nChannel 1: very hard. It's you know,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, you know, you get thousand bills coming in, you know, and they all sort of come\n\nChannel 0: Yep.\n\nChannel 1: in at once and then, oh, I'm alright. I'm spending max\n\nChannel 0: Always.\n\nChannel 1: amount this month, and then next month, you sort of bit less.\n\nChannel 0: Yes. No. That is totally fine. Assets and liabilities wise. Sorry.\n\nI have here that you own two motor vehicles, both valued at about 15,000. Is that correct?\n\nChannel 1: That's changed now. So we've\n\nChannel 0: Okay.\n\nChannel 1: we've traded them in and bought an EV.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Beautiful. And how\n\nChannel 1: Well,\n\nChannel 0: much\n\nChannel 1: that\n\nChannel 0: would that\n\nChannel 1: was\n\nChannel 0: one be worth, would you say?\n\nChannel 1: this? $85.85\n\nChannel 0: 85.\n\nChannel 1: and a half, I think it's worth.\n\nChannel 0: Perfect. And anything owing on it?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Outright.\n\nChannel 0: Perfect. Yep. Now any other assets? Do you property, motor vehicles,\n\nChannel 1: We\n\nChannel 0: motorbike?\n\nChannel 1: own the house we live in, but\n\nChannel 0: Oh,\n\nChannel 1: that's\n\nChannel 0: yeah.\n\nChannel 1: under my husband's name, not my name.\n\nChannel 0: Okay. Yep.\n\nChannel 1: So, yeah, for me, nothing, but if it's under his name, but we do own it, so we don't pay mortgage.\n\nChannel 0: Yes. Oh, beautiful. And no rent, which is nice.\n\nChannel 1: Yeah. No rent or anything.\n\nChannel 0: Now any other, like, savings in the bank or motorbikes or boats or anything else?\n\nChannel 1: No other motor vehicles\n\nChannel 0: Yep.\n\nChannel 1: or bikes or anything. We've got about, at the moment, accessible cash is about 300,000.\n\nChannel 0: Oh, yeah. Perfect. And any other liabilities? Like, any other personal loans, credit cards, ZipPay?\n\nChannel 1: Just credit card that we have. I pay that off every time every month. It's that\n\nChannel 0: Mhmm.\n\nChannel 1: that's\n\nChannel 0: Oh, yeah. Just, like,\n\nChannel 1: a debt\n\nChannel 0: points\n\nChannel 1: of\n\nChannel 0: and\n\nChannel 1: 15\n\nChannel 0: stuff.\n\nChannel 1: that's 15,000 credit limit on that. But,\n\nChannel 0: Oh,\n\nChannel 1: you\n\nChannel 0: yeah.\n\nChannel 1: know,\n\nChannel 0: Perfect.\n\nChannel 1: pay it off every month anyway.\n\nChannel 0: Oh, that's fine then. Yep. Yep. A lot of people do that as well, especially, like, accumulating points and different things.\n\nChannel 1: Yeah. It's at Qantas points so I can get free holidays.\n\nChannel 0: Yeah.\n\nChannel 1: I just hit 400\n\nChannel 0: Not\n\nChannel 1: thousand\n\nChannel 0: too\n\nChannel 1: points.\n\nChannel 0: bad.\n\nChannel 1: I'm like, yes.\n\nChannel 0: Oh,\n\nChannel 1: Where\n\nChannel 0: yay.\n\nChannel 1: can I go?\n\nChannel 0: Where do you guys have a holiday plans coming up?\n\nChannel 1: Yeah. I mean, my niece is getting married in, like, Como in October, so we're going to sort of Italy,\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Prague, and London for just over a month in October, November.\n\nChannel 0: Oh, Dallas. Oh, that'll be the best. Oh,\n\nChannel 1: Yeah.\n\nChannel 0: that's really good.\n\nChannel 1: Looking forward to that. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's\n\nChannel 0: Do\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: keeping us alive.\n\nChannel 0: yeah. And how's the lifestyle wise? So have you done it as a nonsmoker? Is that still the case?\n\nChannel 1: Yes. Still a\n\nChannel 0: Yeah.\n\nChannel 1: non smoker.\n\nChannel 0: Perfect. And have you had any significant health issues or injuries or anything in the last twelve months or everything's\n\nChannel 1: No.\n\nChannel 0: going\n\nChannel 1: Nothing.\n\nChannel 0: good? No. Beautiful. And do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: No. That's all good. And estate planning, obviously, we've already touched on your beneficiaries for super, but do you have a will or power of attorney or anything else in place?\n\nChannel 1: Yeah. We actually just finished redone our wheels about a month\n\nChannel 0: Oh,\n\nChannel 1: or\n\nChannel 0: great.\n\nChannel 1: so ago. So yeah. So we both got current wheels.\n\nChannel 0: Perfect. And do you know if you made a, nomination for power of attorney at the same time as part of the will? Do you know?\n\nChannel 1: Remember,\n\nChannel 0: Not sure?\n\nChannel 1: I think it's the where we the solicitor that done the rules is the oh, no. Not a power of attorney. Sorry. No. I haven't did\n\nChannel 0: No?\n\nChannel 1: you say power of attorney?\n\nChannel 0: Power of attorney. Yeah. Sorry.\n\nChannel 1: Yes.\n\nChannel 0: Like, obviously, someone who makes financial decisions or medical decisions if you're\n\nChannel 1: No.\n\nChannel 0: ever\n\nChannel 1: No. We\n\nChannel 0: unable\n\nChannel 1: haven't done\n\nChannel 0: to\n\nChannel 1: any\n\nChannel 0: do\n\nChannel 1: of\n\nChannel 0: so.\n\nChannel 1: that. No.\n\nChannel 0: Okay.\n\nChannel 1: Not yet.\n\nChannel 0: No. That's all good. But you don't have anyone who makes any financial decisions on your behalf otherwise?\n\nChannel 1: No. It's just the two of us\n\nChannel 0: No.\n\nChannel 1: that we work together.\n\nChannel 0: Yeah. Yeah. That's nice. And the last thing here, otherwise, Ricky, it's just some other goals. So if there's anything else that you are working towards or that you are wanting to achieve in the next couple of years.\n\nSo, obviously, you have the holiday coming up, but do you have any other kind of financial or nonfinancial goals that you guys are working towards?\n\nChannel 1: We were we're planning on selling the house next year\n\nChannel 0: Mhmm.\n\nChannel 1: and either buying, rebuilding, or building somewhere, like, a bit sort\n\nChannel 0: Mhmm.\n\nChannel 1: of country ish. So other than that but, I mean, that would just be absorbed by the sale of the house. But, yeah,\n\nChannel 0: Mhmm.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: just I mean, I get the ultimate goal is to stay semi retired, not have to go back\n\nChannel 0: Yeah.\n\nChannel 1: to the workforce. So that's probably the ultimate goal.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's\n\nChannel 1: And\n\nChannel 0: beautiful.\n\nChannel 1: enjoy life because not many people get this privilege what I'm\n\nChannel 0: No.\n\nChannel 1: I've got now to give up before, you know, retire before 60. So\n\nChannel 0: No.\n\nChannel 1: I can\n\nChannel 0: Not\n\nChannel 1: maintain\n\nChannel 0: at all.\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Very, very good situation. Beautiful. Well, is there any other questions or anything else you have for me, Ritchie, before I let you go and enjoy the rest\n\nChannel 1: No.\n\nChannel 0: of your\n\nChannel 1: I think\n\nChannel 0: evening\n\nChannel 1: think\n\nChannel 0: otherwise?\n\nChannel 1: that's about it. I think you've\n\nChannel 0: Not\n\nChannel 1: covered\n\nChannel 0: so good.\n\nChannel 1: everything. And this\n\nChannel 0: Yeah.\n\nChannel 1: year, you just sent me the the predictions for the the aggressive or the different form of investing.\n\nChannel 0: Yeah. So\n\nChannel 1: So\n\nChannel 0: I'll\n\nChannel 1: I can\n\nChannel 0: actually book in an appointment with you because I would like to go through it with you over the phone because there's quite a bit of information. I will send you the document anyway so that you can take it away and have a read over it.\n\nChannel 1: Yep.\n\nChannel 0: Now when is a good time for you? It will take me about a week and a half to put it all together.\n\nChannel 1: Yeah. So let's jump straight to July. So what about the week of the July 6? What if any day that works is fine for me?\n\nChannel 0: Oh,\n\nChannel 1: If\n\nChannel 0: yes.\n\nChannel 1: that's\n\nChannel 0: Perfect.\n\nChannel 1: enough time\n\nChannel 0: Let\n\nChannel 1: for you? It\n\nChannel 0: yeah.\n\nChannel 1: gives\n\nChannel 0: I could probably\n\nChannel 1: you, like, two\n\nChannel 0: do the week before if you needed to.\n\nChannel 1: yeah. That's I mean, I don't that's up to you. I mean,\n\nChannel 0: You\n\nChannel 1: if\n\nChannel 0: easy?\n\nChannel 1: so you got\n\nChannel 0: Okay.\n\nChannel 1: a bit more\n\nChannel 0: Yeah.\n\nChannel 1: time. For me, I'm\n\nChannel 0: That's\n\nChannel 1: flexible.\n\nChannel 0: very kind\n\nChannel 1: I don't\n\nChannel 0: of\n\nChannel 1: care.\n\nChannel 0: you.\n\nChannel 1: I'm semi retired, remember?\n\nChannel 0: Yeah. Often people are like, no. I want it tomorrow, and you're giving them more time. I like it.\n\nChannel 1: Yeah. Exactly. So yeah. So I'm not I\n\nChannel 0: No.\n\nChannel 1: mean, either the week of\n\nChannel 0: Easy.\n\nChannel 1: the twenty ninth\n\nChannel 0: Okay.\n\nChannel 1: or\n\nChannel 0: Let\n\nChannel 1: the week\n\nChannel 0: me\n\nChannel 1: of\n\nChannel 0: have a\n\nChannel 1: the\n\nChannel 0: look\n\nChannel 1: sixth.\n\nChannel 0: here.\n\nChannel 1: That's up to you. Whatever whatever works\n\nChannel 0: Works.\n\nChannel 1: for you.\n\nChannel 0: Okay. Let me have a look. I could do Tuesday the thirtieth or Wednesday the first.\n\nChannel 1: Okay.\n\nChannel 0: I could do either. Does morning, afternoon typically work best for you?\n\nChannel 1: Afternoons, generally.\n\nChannel 0: Afternoon? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So I could do 04:00, birthday, so Tuesday the thirtieth or Wednesday the first.\n\nChannel 1: Alright. Let's look in Wednesday, the first.\n\nChannel 0: Yep. Wednesday the\n\nChannel 1: You\n\nChannel 0: first.\n\nChannel 1: said 04:00?\n\nChannel 0: 04:00. Yeah. Four\n\nChannel 1: Yeah.\n\nChannel 0: PM, if that works.\n\nChannel 1: Yeah. That's that's fine.\n\nChannel 0: Yep. Perfect. Now if anything does change and you have something coming up and you can't make it, just send me an email or or give the office a call, and we can always get that rescheduled. But, otherwise, that is booked in on Wednesday, July 1, which was crazy,\n\nChannel 1: Yep. And\n\nChannel 0: at\n\nChannel 1: Ira.\n\nChannel 0: four\n\nChannel 1: Yep.\n\nChannel 0: PM 4PM.\n\nChannel 1: And Ira, I think you yeah.\n\nChannel 0: Oh,\n\nChannel 1: Evan, like likewise, if you need more time, just that's like I\n\nChannel 0: yes.\n\nChannel 1: said, I'm flexible, so I don't\n\nChannel 0: Oh,\n\nChannel 1: mind either.\n\nChannel 0: I appreciate that very much. I should have it ready\n\nChannel 1: Sure.\n\nChannel 0: by then, but I will I will let you know. But I appreciate\n\nChannel 1: Okay.\n\nChannel 0: you being so accommodating.\n\nChannel 1: No worries.\n\nChannel 0: And, yeah, I look forward to speaking with you then. But if there's anything that changes or you need anything else from me in the meantime, don't hesitate to give me a call. Okay?\n\nChannel 1: Cool. Thanks. Appreciate it,\n\nChannel 0: No\n\nChannel 1: Veronica.\n\nChannel 0: problem at all.\n\nChannel 1: Have\n\nChannel 0: We'll\n\nChannel 1: a good\n\nChannel 0: speak\n\nChannel 1: afternoon.\n\nChannel 0: then.\n\nChannel 1: Okay.\n\nChannel 0: You too.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Eric speaking.","start":0.16,"end":0.98,"sentiment":"neutral","sentiment_score":0.024613716639578342}],"sentiment":"neutral","sentiment_score":0.024613716639578342,"channel":1,"num_words":2,"start":0.16,"end":0.98},{"sentences":[{"text":"Good afternoon, Ricky.","start":1.5999999,"end":2.56,"sentiment":"positive","sentiment_score":0.33847856521606445},{"text":"This is 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just to see if we need to make any changes to your risk profile","start":764.475,"end":769.31995,"sentiment":"neutral","sentiment_score":0.03053065564702539}],"sentiment":"neutral","sentiment_score":0.08512268108980996,"channel":0,"num_words":35,"start":759.355,"end":769.31995},{"sentences":[{"text":"Yep.","start":769.97003,"end":770.47003,"sentiment":"neutral","sentiment_score":0.014774933457374573}],"sentiment":"neutral","sentiment_score":0.014774933457374573,"channel":1,"num_words":1,"start":769.97003,"end":770.47003},{"sentences":[{"text":"when it comes to your investment.","start":770.25995,"end":771.8,"sentiment":"neutral","sentiment_score":-0.004271535202860832},{"text":"So 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good","start":2606.125,"end":2606.365,"sentiment":"positive","sentiment_score":0.4727430194616318}],"sentiment":"positive","sentiment_score":0.4727430194616318,"channel":1,"num_words":2,"start":2606.125,"end":2606.365},{"sentences":[{"text":"speak","start":2606.323,"end":2606.563,"sentiment":"positive","sentiment_score":0.5220381021499634}],"sentiment":"positive","sentiment_score":0.5220381021499634,"channel":0,"num_words":1,"start":2606.323,"end":2606.563},{"sentences":[{"text":"afternoon.","start":2606.365,"end":2606.865,"sentiment":"positive","sentiment_score":0.3983485698699951}],"sentiment":"positive","sentiment_score":0.3983485698699951,"channel":1,"num_words":1,"start":2606.365,"end":2606.865},{"sentences":[{"text":"then.","start":2606.563,"end":2607.063,"sentiment":"neutral","sentiment_score":0.21934762597084043}],"sentiment":"neutral","sentiment_score":0.21934762597084043,"channel":0,"num_words":1,"start":2606.563,"end":2607.063},{"sentences":[{"text":"Okay.","start":2607.245,"end":2607.745,"sentiment":"neutral","sentiment_score":0.23968610167503357}],"sentiment":"neutral","sentiment_score":0.23968610167503357,"channel":1,"num_words":1,"start":2607.245,"end":2607.745},{"sentences":[{"text":"You too.","start":2607.523,"end":2608.343,"sentiment":"neutral","sentiment_score":0.2577357590198517}],"sentiment":"neutral","sentiment_score":0.2577357590198517,"channel":0,"num_words":2,"start":2607.523,"end":2608.343},{"sentences":[{"text":"Bye.","start":2607.885,"end":2608.385,"sentiment":"neutral","sentiment_score":0.19447779655456543}],"sentiment":"neutral","sentiment_score":0.19447779655456543,"channel":1,"num_words":1,"start":2607.885,"end":2608.385},{"sentences":[{"text":"Bye.","start":2608.563,"end":2609.063,"sentiment":"neutral","sentiment_score":0.14676620066165924}],"sentiment":"neutral","sentiment_score":0.14676620066165924,"channel":0,"num_words":1,"start":2608.563,"end":2609.063},{"sentences":[{"text":"Bye.","start":2608.7651,"end":2609.2651,"sentiment":"neutral","sentiment_score":-0.11888164281845091}],"sentiment":"neutral","sentiment_score":-0.11888164281845091,"channel":1,"num_words":1,"start":2608.7651,"end":2609.2651}]},"summary":{"result":"success","short":"Representatives from Oakview Financial discuss retirement plans with customers, including their age and employment history, retirement plans, and investment portfolios. They emphasize the importance of updating retirement plans and balancing growth and risk for investment. The speakers also provide information on risk profiles, investment portfolios, and compliance documents. They suggest investment options for high growth portfolios and offer a growth portfolio of 10% to 15%. The speakers also discuss personal loans, credit cards, and estate planning. The appointments are scheduled for the customer to discuss financial goals and goals for selling or building a new property."},"intents":{"segments":[{"text":"I can very very barely hear you. Let me see if I can turn it up for you. Is that any better?","start_word":49,"end_word":70,"intents":[{"intent":"Change appointment","confidence_score":0.0020337387},{"intent":"Turn up phone","confidence_score":0.37203196}]},{"text":"I was just trying to talk loudly. I'll just apologize to to my colleagues around me. But That's if alright. you can't Yeah.","start_word":93,"end_word":115,"intents":[{"intent":"Apologize to colleagues","confidence_score":0.07159077},{"intent":"Express dissatisfaction","confidence_score":0.0033297022}]},{"text":"Now I had to book in for your under review. You now still a good time for you? Yeah.","start_word":129,"end_word":147,"intents":[{"intent":"Book review","confidence_score":0.8418671},{"intent":"Schedule meeting","confidence_score":0.00033486428}]},{"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. Yep.","start_word":157,"end_word":186,"intents":[{"intent":"Acknowledge availability","confidence_score":0.00006374657}]},{"text":"And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? I'm jeez.","start_word":190,"end_word":216,"intents":[{"intent":"Confirm identity","confidence_score":0.40727127},{"intent":"Ask for password change","confidence_score":0.0053217965},{"intent":"Confirm identity","confidence_score":0.12863913},{"intent":"Confirm identity","confidence_score":0.13005769},{"intent":"Confirm identity","confidence_score":0.47621366}]},{"text":"Now, Ricky, before I do kind of jump into things, I do like to start by asking if there is anything specific that you would like to address or go through today or just a bit of an update and see if we need to make any changes and everything of yeah.","start_word":261,"end_word":312,"intents":[{"intent":"Address specific needs","confidence_score":0.012778698}]},{"text":"so because, obviously, with the current legislation, if it is that you are fully retired, you can access all of your superannuation completely tax free at the age of 60. Or if you are semi retired, so still working, but, obviously, reduced hours and you wanna start drawing a bit of an income, you can do up to 10% under a transition to retirement when you turn Okay. 60 Cool.","start_word":554,"end_word":623,"intents":[{"intent":"Manage retirement plan","confidence_score":0.0009729051}]},{"text":"And what I might do as well, because it is good to do every now and then just to do a bit of a check-in. So after the call, if you're happy for me to do so, is that I can go and do just obviously factoring in, let's say, no contributions moving forward Yep. until 60.","start_word":1166,"end_word":1222,"intents":[{"intent":"Plan investment meetings","confidence_score":0.00033164874}]},{"text":"To do a bit of an update on your super is what I wanna have a look at, which is the top one where it says Benelong Australian equity. Yep.","start_word":1789,"end_word":1818,"intents":[{"intent":"Update super","confidence_score":0.019078927}]},{"text":"The bracket actually means that it's down. So that's why I wanna review that investment for you. Right.","start_word":1861,"end_word":1878,"intents":[{"intent":"Review investment","confidence_score":0.92222255}]},{"text":"Benelung is underperforming a little bit at the moment, but you can see that, obviously, a lot of your other investments, like, for example, the battery tech and lithium has gone through the roof, which is crazy. Mhmm.","start_word":1898,"end_word":1935,"intents":[{"intent":"Address investment volatility","confidence_score":0.0032432799}]},{"text":"So, obviously, the whole portfolio, it is designed to give you that diversification. So we obviously don't wanna put everything into one option because, yes, sometimes you're gonna, you know, really, really good, but other times, as things fluctuate, it's not gonna be as great. So we wanna obviously make sure we diversify things for you. Yep.","start_word":1990,"end_word":2046,"intents":[{"intent":"Determine investment diversification","confidence_score":0.00041848363}]},{"text":"But at the same time, if we foresee that there are better options out there that's gonna give you more growth, then we wanna look at alternative options. Now Okay.","start_word":2114,"end_word":2143,"intents":[{"intent":"Evaluate options","confidence_score":0.04049495}]},{"text":"So the best way actually to have a look at it is is typically how how much of your money is invested in growth assets versus defensive assets. So mhmm.","start_word":2519,"end_word":2548,"intents":[{"intent":"Defensive assets","confidence_score":0.00034866616}]},{"text":"Now while we are then referring back to level of risk, it's how much goes into what portion.","start_word":2717,"end_word":2734,"intents":[{"intent":"Comparing levels of risk","confidence_score":0.054312818},{"intent":"Comparing levels of risk","confidence_score":0.038210206}]},{"text":"So for example, at the moment, we have you invested in a growth portfolio. So kind of Mhmm. somewhere in the middle where you you you are not defensive. So you're not your balance to balance growth options. You're still working on growth, but you Yep. don't have your high growth or aggressive where you see a little bit more. So for growth Mhmm.","start_word":2735,"end_word":2798,"intents":[{"intent":"Comparing options","confidence_score":0.000009369708}]},{"text":"So for growth Mhmm. portfolio, we see 80% of the money invested in your growth assets. Now the Right.","start_word":2795,"end_word":2813,"intents":[{"intent":"Identifying growth assets","confidence_score":0.012264632},{"intent":"Explaining varying portfolios","confidence_score":3.4032894e-7}]},{"text":"The next one, again, Yep. very similar, international shares and property. And you can see here that these grow the most, this fluctuates the most. Yeah.","start_word":2843,"end_word":2868,"intents":[{"intent":"Identifying similarities","confidence_score":0.001293361}]},{"text":"Like, I don't mind being a bit aggressive in it. Like, I've still Okay. got a couple of years. I know things hopefully will balance out. I mean, I know the Mhmm. more you invest, the the more risk to lose stuff, but hoping Yes.","start_word":2948,"end_word":2992,"intents":[{"intent":"Evaluate investment preferences","confidence_score":0.03349859}]},{"text":"obviously have majority of the money in Mhmm. those areas.","start_word":3582,"end_word":3591,"intents":[{"intent":"Assess financial resources","confidence_score":0.00020386768}]},{"text":"If we move to a high group, you'll have 90%, Okay. Yeah.","start_word":3593,"end_word":3604,"intents":[{"intent":"Move to higher group","confidence_score":0.0036414354}]},{"text":"If we move to a high group, you'll have 90%, Okay. Yeah. Okay. which which could be quite high from from a time frame point of view If you are comfortable with that. Yeah. So if I can do like, Yep. if if I do the aggressive growth now and then Mhmm. say a year or two down the track, I tend to change my mind, and I can do that as well. Yeah?","start_word":3593,"end_word":3666,"intents":[{"intent":"Improve portfolio growth","confidence_score":0.0011717004}]},{"text":"So if I can do like, Yep. if if I do the aggressive growth now and then Mhmm. say a year or two down the track, I tend to change my mind, and I can do that as well. Yeah?","start_word":3626,"end_word":3665,"intents":[{"intent":"Change mind","confidence_score":0.18034564}]},{"text":"like to invest more long term.","start_word":3728,"end_word":3733,"intents":[{"intent":"Plan long-term investment","confidence_score":0.015849778}]},{"text":"So, often, if I have clients who are like, oh, can I just be aggressive for a year and then change?","start_word":3734,"end_word":3754,"intents":[{"intent":"Be aggressive","confidence_score":0.017103603}]},{"text":"what's my retirement age? 67 now, isn't it? I don't know.","start_word":3833,"end_word":3843,"intents":[{"intent":"Understand retirement age","confidence_score":0.07980462}]},{"text":"And then when can I take the super app completely? At what age?","start_word":3889,"end_word":3901,"intents":[{"intent":"Take super app completely","confidence_score":0.17228998}]},{"text":"Now if you do retire and then in two years later, you decide now retirement life isn't for me, and you go back to work. That's fine.","start_word":3951,"end_word":3977,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.0991826}]},{"text":"what I can do for you as well, if it's something that you are comfortable seeing a bit of risk, I also wanna make sure that if you don't need to take unnecessary risk, there's no point to doing so. Mhmm.","start_word":4741,"end_word":4781,"intents":[{"intent":"Assess investment comfort","confidence_score":0.00024333576}]},{"text":"But if at the same time where you are right now in a growth portfolio, if you are still gonna get to your goal of drawing a thousand dollars per week from retirement at Yep. 67, if you're already gonna get there with the level of growth the level of risk you are currently with, there might not be a need to increase it. Does that make sense? Yeah.","start_word":5005,"end_word":5073,"intents":[{"intent":"Clarify investment strategy","confidence_score":0.019490322}]},{"text":"I'll have a look at both I'll have a look at a few options for you, and Yep. I can show you I'll make a recommendation on what I think. But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well Perfect.","start_word":5431,"end_word":5487,"intents":[{"intent":"Discuss options","confidence_score":0.113452785},{"intent":"Recommend alternative","confidence_score":0.03834657},{"intent":"Recommend options","confidence_score":0.08128492}]},{"text":"I can show you I'll make a recommendation on what I think. But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well Perfect.","start_word":5449,"end_word":5487,"intents":[{"intent":"Show recommendation","confidence_score":0.010109119},{"intent":"Provide recommendation","confidence_score":0.0021683283}]},{"text":"But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well Perfect.","start_word":5461,"end_word":5487,"intents":[{"intent":"Scroll through appendix","confidence_score":0.0034941195}]},{"text":"Now going back to the documents while we're in Yep. there for you, the next document you can see, which one is that? Yep.","start_word":5497,"end_word":5520,"intents":[{"intent":"Explain document","confidence_score":0.055581465},{"intent":"Explain document","confidence_score":0.07742388}]},{"text":"So none of the important information has changed since last time, but we've had a bit of an update to our marketing. So some Yep.","start_word":5589,"end_word":5613,"intents":[{"intent":"Discuss marketing update","confidence_score":0.15591946}]},{"text":"of the photos might look a little bit different, and we've also No. had a bit of extension to the team, which is good.","start_word":5614,"end_word":5637,"intents":[{"intent":"Discuss photos","confidence_score":0.0015288263},{"intent":"Discuss team","confidence_score":0.0037064378}]},{"text":"of the photos might look a little bit different, and we've also No. had a bit of extension to the team, which is good. But if you do wanna scroll through, if you wanna put a face through the voice, I can see which you on sometimes yeah. I is can nice. I can see your face? Yeah.","start_word":5614,"end_word":5671,"intents":[{"intent":"Discuss face","confidence_score":0.062149197}]},{"text":"This is a consent to Yeah. new ongoing Consent.","start_word":5731,"end_word":5739,"intents":[{"intent":"Sign consent","confidence_score":0.063062735}]},{"text":"there is no changes whatsoever in regards to the fee structure. It stays Mhmm. exactly the same at 1.65 from super only, Yep. and it is not a lock in contract. So if at any point in time, you are not happy, it's not a lock in contract. But by signing this, it allows us to service your account and manage your investments and everything for you in the meantime. Yep.","start_word":5779,"end_word":5849,"intents":[{"intent":"Check fee structure","confidence_score":0.018442284}]},{"text":"Does coming it say through. validating? Yeah.","start_word":5903,"end_word":5909,"intents":[{"intent":"Check validation","confidence_score":0.034392543}]},{"text":"Now, otherwise, when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct? Correct. Yes.","start_word":6009,"end_word":6033,"intents":[{"intent":"Check financial dependence","confidence_score":0.059352536}]},{"text":"Now I don't actually have his phone number listed on file. Would you mind providing that to me? Yeah.","start_word":6055,"end_word":6073,"intents":[{"intent":"Provide contact information","confidence_score":0.0720487},{"intent":"Inquire about sign-up process","confidence_score":0.00014672858},{"intent":"Provide information","confidence_score":0.015719945}]},{"text":"Now I don't actually have his phone number listed on file. Would you mind providing that to me? Yeah. For sure.","start_word":6055,"end_word":6075,"intents":[{"intent":"Answer questions","confidence_score":0.001060024}]},{"text":"And he's still down as a beneficiary, like the whatever they Correct.","start_word":6125,"end_word":6136,"intents":[{"intent":"Confirm account details","confidence_score":0.0020757173}]},{"text":"got to sign the document, isn't it? What was that? Sorry? You know, for the beneficiary. So he's down for Mhmm. a 100%, and that's I have to sign a document every three years. Is that my understanding? Let me triple check.","start_word":6148,"end_word":6189,"intents":[{"intent":"Confirm sign-up status","confidence_score":0.0011064919}]},{"text":"So he's down for Mhmm. a 100%, and that's I have to sign a document every three years. Is that my understanding? Let me triple check.","start_word":6164,"end_word":6189,"intents":[{"intent":"Confirm eligibility","confidence_score":0.024913296}]},{"text":"So, normally, we would touch base with you to say, hey. It's expired or expiring. Do Mhmm. you wanna renew it? So the Is there expiry another way I date, can do it?","start_word":6316,"end_word":6348,"intents":[{"intent":"Confirm expiration date","confidence_score":0.19508061}]},{"text":"So, normally, we would touch base with you to say, hey. It's expired or expiring. Do Mhmm. you wanna renew it? So the Is there expiry another way I date, can do it? So is there Yes.","start_word":6316,"end_word":6352,"intents":[{"intent":"Confirm expiration policy","confidence_score":0.001285237}]},{"text":"you wanna renew it?","start_word":6333,"end_word":6336,"intents":[{"intent":"Renew nomination","confidence_score":0.022833604}]},{"text":"So you can change it to a non lapsing, which means it Yep. stays in place until you decide to change it. Okay.","start_word":6373,"end_word":6395,"intents":[{"intent":"Request change in appointment","confidence_score":0.0000014758492}]},{"text":"I can get the form prefilled for you. So, obviously, Yep. prefilled Tony's information, change it to nonlapsing binding.","start_word":6423,"end_word":6441,"intents":[{"intent":"Update forms","confidence_score":0.02156466}]},{"text":"I can get the form prefilled for you. So, obviously, Yep. prefilled Tony's information, change it to nonlapsing binding. Do you have access to a printer, or do you prefer post?","start_word":6423,"end_word":6453,"intents":[{"intent":"Print form","confidence_score":0.062872864}]},{"text":"I can get the form prefilled for you. So, obviously, Yep. prefilled Tony's information, change it to nonlapsing binding. Do you have access to a printer, or do you prefer post? Yes.","start_word":6423,"end_word":6454,"intents":[{"intent":"Obtain information","confidence_score":0.008049644}]},{"text":"So what I'll do then is I will get the team to email that to you. We'll prefill it to make it nice and easy. You just need to print it off, get it witnessed by two people, Yep. and Yep. then you could just scan it and send it back, and I'll upload that to Hub 24, and that will then stay in place. You don't even have to keep an eye on time frames or anything like that.","start_word":6516,"end_word":6595,"intents":[{"intent":"Provide team feedback","confidence_score":0.0010368262}]},{"text":"Expenses and savings per week was obviously probably a little bit different for you to what it used to be. Are you do you know roughly, like, your total bills and expenses and stuff per week or month or fortnightly?","start_word":6655,"end_word":6694,"intents":[{"intent":"Update expenses and discounts","confidence_score":7.3808195e-8}]},{"text":"Like, any other personal loans, credit cards, ZipPay?","start_word":7092,"end_word":7099,"intents":[{"intent":"Discuss personal loans","confidence_score":0.06729107},{"intent":"Discuss personal loans","confidence_score":0.00520597}]},{"text":"Like, obviously, someone who makes financial decisions or medical decisions if you're No.","start_word":7447,"end_word":7459,"intents":[{"intent":"Discuss financial decisions","confidence_score":0.10868423}]},{"text":"Now when is a good time for you? It will take me about a week and a half to put it all together. Yeah.","start_word":7812,"end_word":7835,"intents":[{"intent":"Arrange meeting","confidence_score":0.009112857}]}]},"sentiments":{"segments":[{"text":"Eric speaking.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.02475639805197716},{"text":"Good afternoon, Ricky.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.340621680021286},{"text":"This is Veronica Hello? from Oakview Financial. How are you?","start_word":5,"end_word":14,"sentiment":"neutral","sentiment_score":0.1827475279569626},{"text":"Thank you.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.4191325604915619},{"text":"How are you? Who is this, Yeah. sir? Veronica from Oakview Financial? Oh, hi, Frank. How are you? Yeah.","start_word":17,"end_word":35,"sentiment":"neutral","sentiment_score":0.08345139026641846},{"text":"Good. Thanks. How are you, Ricky? I'm very well. You're very fine, too.","start_word":36,"end_word":48,"sentiment":"positive","sentiment_score":0.4979706406593323},{"text":"I can very very barely hear you. Let me see if I can turn it up for you. Is that any better? Because I have it on Alright. max now. Oh, Any yeah. better? A little bit a little bit better. It's okay. Okay. I was just trying to talk loudly. I'll just apologize to to my colleagues around me. But That's if alright. you can't Yeah. hear me, let me know. Tell him to get for a cigarette. Right. Now I had to book in for your under review. You now still a good time for you? Yeah. Yeah. That's fine. That's Yeah. no no problem.","start_word":49,"end_word":155,"sentiment":"neutral","sentiment_score":0.007106755394488573},{"text":"Perfect.","start_word":156,"end_word":156,"sentiment":"positive","sentiment_score":0.35754168033599854},{"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. Yep. No worries. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? I'm jeez. It's been a while. Must be Charlie. Yes. That's the Yeah. one. Okay. Cool. Alright. Are you Perfect. happy to keep it with that, or Yeah. do you That's wanna fine. change I'll it? I'll forget if Yeah. I change it now. All good. Now, Ricky, before I do kind of jump into things, I do like to start by asking if there is anything specific that you would like to address or go through today or just a bit of an update and see if we need to make any changes and everything of yeah. I mean, my situation's changed since we signed up. I signed up with Mhmm. you guys. So before I was working now, I've kind of just semi retired. So Okay. I'm kind of, yeah, not getting a regular super contributing anymore Mhmm. from a work. I do do contract work every now and again, but haven't done any just yet. But Okay. that's kind of like the only thing that's changed Amazing. since. Yeah. And let me see here. So, obviously, Sam have retired. Yep. The contract work on this side, does that kind of, like, get you through, obviously, finance wise? Yeah. I mean, I'm living on, like, savings as such, but, yeah, Yep. like, the contract works more to just keep me a little bit busy every now and again to keep me relevant in the industry. Yep. Yeah. So it's sort of yeah. I don't wanna sort of I'm still I'm not there. I'm 57 now. So I thought, well, you know, Yeah.","start_word":157,"end_word":478,"sentiment":"neutral","sentiment_score":0.026511224507359984},{"text":"I have the opportunity to come back on work, which is great.","start_word":479,"end_word":490,"sentiment":"positive","sentiment_score":0.36806491017341614},{"text":"So Yep. yeah. But and then I've got enough people that sort of still want me to sort of help here and there, so they sort of just offer me work every now and again. Okay. They're just picking Perfect. choosing where I wanna when I wanna work, basically. Yeah. Bit of flexibility, which is Mhmm.","start_word":491,"end_word":546,"sentiment":"neutral","sentiment_score":0.2041526734828949},{"text":"nice.","start_word":547,"end_word":547,"sentiment":"positive","sentiment_score":0.4201043248176574},{"text":"Yeah. Pretty And much so. Yeah. so because, obviously, with the current legislation, if it is that you are fully retired, you can access all of your superannuation completely tax free at the age of 60. Or if you are semi retired, so still working, but, obviously, reduced hours and you wanna start drawing a bit of an income, you can do up to 10% under a transition to retirement when you turn Okay. 60 Cool. as well. Oh, so that's from 60. Yeah? From 60. Yeah. So, Yeah. obviously, not really applicable yet, but Yep. when you get there, then we can have a look at, well, what's your situation like. And if you do wanna start drawing a little bit from super or whether the plan is to keep it through '65. I had here before was your ideal retirement, but is that kind of brought forward a little bit? Yeah. Well, of course, things look changed a lot from my end since yeah. So I was just fortunate enough to been able to to take a step back from work and just work here and there. So yeah. So that's obviously yeah.","start_word":548,"end_word":742,"sentiment":"neutral","sentiment_score":0.145560376231487},{"text":"If I can retire now fully, that'd be great.","start_word":743,"end_word":751,"sentiment":"positive","sentiment_score":0.5206904411315918},{"text":"I mean, Yep. I can't fully retire now. No dramas. Just working is just to keep me busy every now and again and give me something to do, basically. Yeah. Instead No. of I being get locked that. to your work, I wanna sort of Yeah. work Enjoy I don't life. wanna work to leave. I wanna leave to work. Does that make sense? Yeah. Yeah? No. Totally. Okay.","start_word":752,"end_word":820,"sentiment":"neutral","sentiment_score":-0.016714021563529968},{"text":"Perfect.","start_word":821,"end_word":821,"sentiment":"positive","sentiment_score":0.5183435678482056},{"text":"And I do have here as well that when you want to start doing an income from super, that Yep. about a thousand dollars per week was last time what you kind of said was suitable. Is Yeah. that Let's still look kind at that of for this stage. I mean, it's mhmm. three Yep. years away before I even consider pulling Yes. anything from super, so that may change. But, yeah, that's that's Yeah. fine at this stage. Leave it for I mean, now. I've Okay. yeah. Some Okay. Perfect. Perfect. Now, obviously, because you have stopped working, obviously, you're not getting contributions into super anymore. Are Yep. you looking at making contributions yourself or, obviously, just living off savings at the moment, like, not really kind of right now? Not right now at this stage. No. I'm just living off savings, if that's alright. But I just like, I'm not sure Yeah. if the fund that's in is a non contributing fund as well, whether that's what they want. Yeah. No. You you definitely don't have you don't have to. Obviously, Yep. putting contributions in will compound and make your super grow, but it's not a Of requirement course. that you have to. So if Okay. it is that you, you know, don't contribute for a while, that's no problem. Like, it's not gonna cancel or change or Yeah. So that'll anything still like sort that. of grow a lot Correct. slower, obviously. Correct. Yes. But, yeah, It'll still it went be not invested. as yeah. Exactly. Yeah. So it still will move up over time. Yeah. You Yes. will I will still see it increasing, but, Yes. yeah, just not as rapidly, I guess, as what if I was contributing. Correct. So that that's fine. At this stage, it's fine. Yep. But consent, I'm yeah. I mean, I've hopefully covered all aspects except for the super. That's anything that I can comfortably not rely on Yeah.","start_word":822,"end_word":1150,"sentiment":"neutral","sentiment_score":0.03416657348738072},{"text":"super at this point in time anyway, so I'm happy with that. Yeah. Yeah. Beautiful. And what I might do as well, because it is good to do every now and then just to do a bit of a check-in.","start_word":1151,"end_word":1190,"sentiment":"positive","sentiment_score":0.4175643026828766},{"text":"So after the call, if you're happy for me to do so, is that I can go and do just obviously factoring in, let's say, no contributions moving forward Yep. until 60. I can even do 65 as well just to show you how things are on track for and where that would kind of leave you come retirement Okay. so that you can obviously kind of see, okay. How are things tracking? But it's also a good time to do a bit of an update and reassessing your investment Yep. because things obviously have changed quite a bit in the world when you Yeah. came Exactly on board right. as well. And I do like to have a bit of a look at it now while we are talking about your investments actually. Do you have access to your emails at all there, Katie? I'm not sure that I'm on yet. I can still yeah. It's If open you to can 12 if 37.","start_word":1191,"end_word":1355,"sentiment":"neutral","sentiment_score":0.18276230990886688},{"text":"if if not, if you're happy for me to just kind of run through them with you, I'm happy to do that. And then after the call, if it's easier for you to get them up late and have a look at it, that's also perfectly fine.","start_word":1356,"end_word":1402,"sentiment":"positive","sentiment_score":0.3806992769241333},{"text":"Yeah. I mean, if yeah. I've I've noticed they've just sent me something for a signature, Yes. whatever that is. Yes. Yeah. Yeah. Yeah. Sorry. I'll get rid of that. Is that what you're talking about? Yes. Correct. Because part of that is if you do click on the link, now it Yep. will allow you to open up the documents first before To it sign prompts you document. to sign anything. Correct. Where Yes. is it? Okay. Yep. Okay. Yep. I've done And that.","start_word":1403,"end_word":1487,"sentiment":"neutral","sentiment_score":0.043997961282730105},{"text":"then perfect.","start_word":1488,"end_word":1489,"sentiment":"positive","sentiment_score":0.35098785161972046},{"text":"Now can you see a document first where it says super summary? Yes. Summary of superannuation. Yep. Fifteenth of Yep. June. Yes.","start_word":1490,"end_word":1511,"sentiment":"neutral","sentiment_score":0.06623566150665283},{"text":"Beautiful.","start_word":1512,"end_word":1512,"sentiment":"positive","sentiment_score":0.48221921920776367},{"text":"Yep. So that shows you here, obviously, you have your Subaru in Hub 24, and you Mhmm. do have about $651,908 in there. Yep. And you don't have any insurances otherwise. Correct. Yes. Yep. Now on the next document, does that Yep. say have a '24 performance report? Performance Yep. with Okay. IRR. Can you see that one? Yep. Yep.","start_word":1513,"end_word":1572,"sentiment":"neutral","sentiment_score":0.08003931492567062},{"text":"Beautiful.","start_word":1573,"end_word":1573,"sentiment":"positive","sentiment_score":0.4134445786476135},{"text":"So that one here actually to breaks down your in investments in a bit more detail. So this one here is a report for the last twelve months. So it kind of shows you how your investments have performed over the last Yep. twelve months. Now Mhmm. the last twelve months have been obviously, you probably heard in the news and stuff. We have seen quite a bit of fluctuations in the market with everything Yeah. that has happened. Mhmm. But in saying that, though, overall, your portfolio has still done really well. So if you scroll down to page two out of two for me, Yep. you should So pay. see Alright. total total portfolio. Yep. Yep. Yeah. I got that. Yep. Yep.","start_word":1574,"end_word":1697,"sentiment":"neutral","sentiment_score":0.0822887048125267},{"text":"Perfect.","start_word":1698,"end_word":1698,"sentiment":"positive","sentiment_score":0.35330960154533386},{"text":"Now if you look at the second column to the right versus internal rate of return. Can Mhmm. you see that? Yep. 10.44%. Correct. And that is Yep. after fees, which Okay.","start_word":1699,"end_word":1730,"sentiment":"neutral","sentiment_score":0.11036164313554764},{"text":"is which is really good kind of given, yeah, the market conditions we have had in the last twelve months. So, overall, quite happy with that.","start_word":1731,"end_word":1756,"sentiment":"positive","sentiment_score":0.4598104953765869},{"text":"Now if you do scroll up again for me to page Yep. one where it talks Yep. about all individual investments. Now this is one part of the the research as well. To do a bit of an update on your super is what I wanna have a look at, which is the top one where it says Benelong Australian equity. Yep. Now if you go to the same column, so the second column to the right where it says internal rate of return again, that is how each of your investments have done. Right. 17 Yep. 60%. Yep. Yep. Okay. That's Right.","start_word":1757,"end_word":1859,"sentiment":"neutral","sentiment_score":0.12422185427355537},{"text":"good.","start_word":1860,"end_word":1860,"sentiment":"positive","sentiment_score":0.446217805147171},{"text":"The bracket actually means that it's down. So that's why I wanna review that investment for you. Right. Now Yep. So the other down one seven eight percent. Is that what you're saying? correct. So the Okay. Benelung is underperforming a little bit at the moment, but you can see that, obviously, a lot of your other investments, like, for example, the battery tech and lithium has gone through the roof, which is crazy. Mhmm. I'm Yeah. 90 Listen. one. So yes. Well, I gotta So do something.","start_word":1861,"end_word":1948,"sentiment":"neutral","sentiment_score":0.0026862099766731262},{"text":"Thank Trump for that one with everyone's buying EVs right?","start_word":1949,"end_word":1958,"sentiment":"positive","sentiment_score":0.4420107007026672},{"text":"now, including myself. I bought one too. Exactly. So yeah. I mean, I have a hybrid. Sorry. Partly there. You're partly there. Yeah. I've got a full Partly EV. there. Yeah. So, obviously, the whole portfolio, it is designed to give you that diversification. So we obviously don't wanna put everything into one option because, yes, sometimes you're gonna, you know, really, really good, but other times, as things fluctuate, it's not gonna be as great. So we wanna obviously make sure we diversify things for you. Yep. But at the same time, we do wanna be proactive with the investment. And if we foresee one investment underperforming a little bit and we don't foresee it coming back around, then we wanna look at making changes for you. Yep. So not always when an investment is down do we wanna sell out because that also means that you are selling when it's already dropped. But at the same time, if we foresee that there are better options out there that's gonna give you more growth, then we wanna look at alternative options. Now Okay. with Bennelong, it has underperformed a little bit, which you can see here. Now Mhmm. Bennelong is structured a little bit different to your other investments in that it is a managed fund. And how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market. And they Mhmm. had done really well in doing so. But as you can see here, the last twelve months, they've been a little bit slower with that. Yep. So I would like to have a look at that in a little bit more detail and do a bit of the the math and calculation to see, well, should we swap it for something else, and what will Mhmm. that look like for you if Okay.","start_word":1959,"end_word":2275,"sentiment":"neutral","sentiment_score":0.03995033406449793},{"text":"you're happy for me to do so.","start_word":2276,"end_word":2282,"sentiment":"positive","sentiment_score":0.4530359208583832},{"text":"Yeah.","start_word":2283,"end_word":2283,"sentiment":"neutral","sentiment_score":0.32871127128601074},{"text":"That's that's perfectly Yep. fine.","start_word":2284,"end_word":2288,"sentiment":"positive","sentiment_score":0.4271795451641083},{"text":"Yes. Yep.","start_word":2289,"end_word":2290,"sentiment":"neutral","sentiment_score":0.30329424142837524},{"text":"Perfect.","start_word":2291,"end_word":2291,"sentiment":"positive","sentiment_score":0.5098357200622559},{"text":"And that also kind of then factors in through doing a bit of a you know, seeing how you are on track for super for retirement and everything like that, especially without contribution as that Yep. would obviously change from when you came on board because that was factoring in contribution. Yeah. So it Of is course. a good kind of check-in. Now with your investments as well, I'll go through just a quick kind of risk profile questionnaire with you. It Mhmm. is just multiple choice just to make it nice and easy, and there's no right or wrong answer. And it is just to see if we need to make any changes to your risk profile Yep. when it comes to your investment. So if Okay. it doesn't make sense, let me know. Yep. Now, Ricky, have you ever bought direct shares yourself on the stock market? Not myself. No. Not yourself. No. Perfect. Now the next question is in regards to how much risk you are willing to take for your superannuation. So would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? At this stage, when you say high risk and Mhmm. what does what's the difference in a high and mid range risk sort of thing? Mhmm. Like Yeah. So the best way actually to have a look at it is is typically how how much of your money is invested in growth assets versus defensive assets. So mhmm. a good way to actually look at it is if you can go back to the email for me. Yep. Now is your next attachment is that a Vanguard index chart? Hang on. Just yes. It is. Yes. Yes. Okay.","start_word":2292,"end_word":2588,"sentiment":"neutral","sentiment_score":0.05240315953990827},{"text":"Beautiful. Now that one here, it is good because it kinda correlates into it, and it Yep. is a good visual representation of what we are talking about when we're talking about the market.","start_word":2589,"end_word":2622,"sentiment":"positive","sentiment_score":0.43357497453689575},{"text":"Have you ever seen something like this before? I've seen that kind of graph, but not in this like, in a in a dollar figure like it is now. Yeah. But, essentially, it kind of shows us a longer period of time. So it shows us the market from 1995 through 2005, and you can obviously see all the ups and downs in the market. When Yep. we do look at it historically, market always goes up. The short term, as you can see, there will be some ups and downs and market fluctuations. Now while we are then referring back to level of risk, it's how much goes into what portion. So for example, at the moment, we have you invested in a growth portfolio. So kind of Mhmm. somewhere in the middle where you you you are not defensive. So you're not your balance to balance growth options. You're still working on growth, but you Yep. don't have your high growth or aggressive where you see a little bit more. So for growth Mhmm. portfolio, we see 80% of the money invested in your growth assets. Now the Right. growth assets are the top four. So you can see here US shares obviously Mhmm. grow the most, also fluctuates the most as well. You have Australian shares. Yeah. The next one, again, Yep. very similar, international shares and property. And you can see here that these grow the most, this fluctuates the most. Yeah. So yeah. Whereas you then have 20% in the bottom three. So, like, your cash a gold will also kind of come in here and fixed interest, which kind of level things out a little bit for you.","start_word":2623,"end_word":2906,"sentiment":"neutral","sentiment_score":0.032899662209543545},{"text":"Alright. So Cool.","start_word":2907,"end_word":2909,"sentiment":"positive","sentiment_score":0.5359981060028076},{"text":"Yeah. With the who's rapid that? investment or the aggressive investment, whatever you called it now, What I mean, your I mean, this is your field that I'm talking about. I guess, what Mhmm. do you Yes. recommend? Like, I don't mind being a bit aggressive in it. Like, I've still Okay. got a couple of years. I know things hopefully will balance out. I mean, I know the Mhmm. more you invest, the the more risk to lose stuff, but hoping Yes. in my mind, it can come back quicker than what you do if you do a less in growth investment, if that makes if I'm explaining Yes. myself It makes sense. No. right.","start_word":2910,"end_word":3025,"sentiment":"neutral","sentiment_score":0.09348060935735704},{"text":"It totally makes sense.","start_word":3026,"end_word":3029,"sentiment":"positive","sentiment_score":0.3968357741832733},{"text":"And that is the other thing we kind of look at. So there are a couple of different components. The first is so there is profile question that gives me an indication on how you would feel in certain situations from, like, Mhmm. a behavioral point of view. But the other thing that comes into play is time frame, like you touch up. So we wanna make sure that you have enough time in the market for this fluctuation. Now Yep. as a guideline in a growth portfolio, which is what you are currently, ideally, we'd like to see about six years to retirement. So if Mhmm. you are kind of wanting to start drawing super, some money from super, let's say, in three years or something, if we then move you up through, let's say, a high growth, the minimum, ideally, we'd like to see is eight years. So it does Mhmm. mean that if you went to potentially take some of it out, it could be down at the time. So from a time frame point of view, it could even be more suitable to be more defensive, like your balance growth to be five years. But at Mhmm. the same time, it's also what you are comfortable with. And if you are like, well, I'm not gonna take everything out. I just wanna start drawing a little bit of an income, then that can still be okay. Then, obviously, Right.","start_word":3030,"end_word":3272,"sentiment":"neutral","sentiment_score":0.08986836497062518},{"text":"because your super balance is quite high, which is fantastic, having a couple percent shift, you will feel it more than, obviously, someone with a smaller balance.","start_word":3273,"end_word":3299,"sentiment":"positive","sentiment_score":0.5602275133132935},{"text":"Yeah. Because because I mean, obviously, I'm not contributing anymore. Like, it I may I mean, Yes. if I get the way their contract work is that some on their casual book, so they sort of give me, you know, one or two weeks work, it'll be like a casual. So they'll pay super on that. So there may be dribs and drabs coming through over Yes. Okay. time, but Yes. it won't be a regular monthly super as what it was previously Yes. contribution. So and I was I'm not I used to contribute a bit before, but I've stopped that as well. So it'll Yes. yeah. There may be a little bit. So because of that, I'm happy to be a bit more aggressive in my investing Mhmm. Yeah. to sort of balance that if that kind Yeah. of works. But Yeah. worst case, you're not gonna lose a lot, basically. That's, No. you know, the big question, I guess, at the end of the Yeah. day. Yep. So you guys monitor that anyway, don't you? If it Yes. sort of We suddenly do. crashing quite Yes. quickly, you would alter that or We we wanna react to be that proactive. would be my assumption Exact there. Exactly. No. Definitely. So we Okay. do obviously keep an eye on everything for you, but, yeah, also time frame comes in play. So if you are wanting growth and you are comfortable with fluctuations, then growth is pretty suitable where you are at, Mhmm. which is, like I said, it's about a sixty sorry, a six year time frame, and you still Yep. have 80% in those top four. So you'll Yep. obviously have majority of the money in Mhmm. those areas. If we move to a high group, you'll have 90%, Okay. Yeah. Okay. which which could be quite high from from a time frame point of view If you are comfortable with that. Yeah. So if I can do like, Yep. if if I do the aggressive growth now and then Mhmm. say a year or two down the track, I tend to change my mind, and I can do that as well. Yeah? You're not sort of You stuck with that one. no. You are definitely not stuck. You definitely can. The only thing is because we are wanting a time frame, because in a high growth portfolio, Mhmm.","start_word":3300,"end_word":3701,"sentiment":"neutral","sentiment_score":0.05933049682583382},{"text":"the the chance of having a negative year during that time frame is a lot higher than, obviously, in a growth portfolio.","start_word":3702,"end_word":3723,"sentiment":"negative","sentiment_score":-0.3564230799674988},{"text":"So we do Right. like to invest more long term. So, often, if I have clients who are like, oh, can I just be aggressive for a year and then change? It's like, yeah. Yeah. You'd have to be very lucky that during that one year, it's great, but you could also be unlucky that that's the the time It's is down. yeah. So it's down in that year and you change, you're not gonna make up your loss, Then I guess. Is that what Exactly. you're saying? Yeah? Exactly. Right. So And and so keep assuming I don't have to touch my super till 67 or whatever, Mhmm. what's my retirement age? 67 now, isn't it? I don't know. They always What change it. Super, you can access at 60 completely without a transition to retirement, 67. Even if you wanna keep working, you can still take everything out at 65. 67 is age pension if you're eligible for it. Right. Cool. Okay. Cool. And then when can I take the super app completely? At what age? Like, I'm 60, but did you how do you prove you're fully retired, though, at 60? Yep. Just don't Correct. put a group certificate in or something. Is there no? Correct. So if you if you completely retire, Yep. then you can take everything tax free at 60. Right. Now if you do retire and then in two years later, you decide now retirement life isn't for me, and you go back to work. That's fine. Yep. Because at the time of when you are wanting to take the money out, you have ceased employment. And at that time, you are not looking at working. Okay.","start_word":3724,"end_word":4007,"sentiment":"neutral","sentiment_score":-0.013927261666460355},{"text":"Cool.","start_word":4008,"end_word":4008,"sentiment":"positive","sentiment_score":0.4823080599308014},{"text":"If you want to keep working 65, you can take everything tax free. Between Mhmm. 60 Regardless. and 65, correct. You can you can Okay. work full time and take it all out at 65. But between 60 and sixty five, there are then different strategies you can do to get up to 10% out. Yep. Right. Okay.","start_word":4009,"end_word":4066,"sentiment":"neutral","sentiment_score":0.1631263941526413},{"text":"Tax Cool.","start_word":4067,"end_word":4068,"sentiment":"positive","sentiment_score":0.3683825433254242},{"text":"free. And then at Yeah. when if at sixty seven, you get it Yep. all regardless. Is that something? Or sixty Or five. 65, I you said can take 60 everything? 5. Yep. Yeah. And then okay.","start_word":4069,"end_word":4105,"sentiment":"neutral","sentiment_score":0.09029975533485413},{"text":"Cool.","start_word":4106,"end_word":4106,"sentiment":"positive","sentiment_score":0.35267841815948486},{"text":"So alright. Cool. So if I do aggressively so far the questions. If I do aggressively invest, is Mhmm. three years assuming and I don't plan on taking that at 60. I mean, Yep. I've done my math, and hopefully, I don't have to. So I'm happy to run it through to 65. Mhmm. But if something changes for the worse, whatever, you know, who knows? Nobody Yep. knows what Yeah. tomorrow brings. Yeah. Is three years enough to do the aggressive sort of investing? Is that would you all not, assumingly? Typically, not. I would say I wouldn't unless you are like, yeah. No. I don't mind. Mhmm. Typically, I would say I wouldn't go aggressive with someone unless they are willing to invest it for ten years If just because of it so that's those fluctuations. so that would Yeah. be, well, 57 now. So that's that's less than ten years. And so that would be still alright then? If not, you so To 60 if I leave 7. it up to 65, it's still okay? Well, let me have a look here. So you said because at the moment, you're 57. I'm 57 now. Yeah. Yeah. So ten years time, that will be obviously sixty seven. Yep. So then that is pushing it a little bit from a time frame point Okay. of view. But at the same time, it's not just about time because it's like, well, it's also if you're willing to take that, Yeah.","start_word":4107,"end_word":4356,"sentiment":"neutral","sentiment_score":0.016826353725045918},{"text":"then that's fine.","start_word":4357,"end_word":4359,"sentiment":"positive","sentiment_score":0.3796510100364685},{"text":"Because I I have some people that, you know, 65 and go, oh, yeah.","start_word":4360,"end_word":4373,"sentiment":"neutral","sentiment_score":0.3324359059333801},{"text":"I'm perfectly happy with those fluctuations. Just trying to grow my super, which is fine.","start_word":4374,"end_word":4388,"sentiment":"positive","sentiment_score":0.5356211066246033},{"text":"And then I also have 20 year olds who go, no. No. No. I want made you majority in defensive. I don't feel comfortable at all. Yeah.","start_word":4389,"end_word":4415,"sentiment":"neutral","sentiment_score":-0.09930441528558732},{"text":"But, basically, just from your reference, in an aggressive portfolio, about one in three years, there's a change a likelihood of a negative return.","start_word":4416,"end_word":4439,"sentiment":"negative","sentiment_score":-0.3468361496925354},{"text":"In Okay. a high growth sorry. There is also one in between. So a high growth is one step up from what you are at the moment. Mhmm. It's about one in five years, we see, in a negative. Okay. So that might be a little bit more suitable if you are wanting more growth because a high growth, we say about eight years to retirement. So Okay. it might fit a little bit more with your time frame, but still increasing because a high Yeah. growth, 90%. You still have about 10% defensive, but you have 90% in those top four. So majority will go there Okay. Because then in a in a balanced growth, we'll see about one sorry. In a growth, you have about one in six years. K. And what So do you if you sorry. Go on. no. You go. No. No. It's just saying what do you recommend, like, knowing my time frame? Like, assuming I'm not gonna touch the super two of 67, like and Yep. I'm hoping that's the case. I mean, soup Yep. is my sort of end of the line sort of Yeah. pop up, if that makes sense. Yep. So I'm hoping I don't have to.","start_word":4440,"end_word":4646,"sentiment":"neutral","sentiment_score":-0.004128128290176392},{"text":"I hope you've I've organized everything fine because Yep.","start_word":4647,"end_word":4655,"sentiment":"positive","sentiment_score":0.4827444851398468},{"text":"Yep. so, assuming, I do not touch to 67 to Mhmm. be aggressive investing it now, would that is that would you say that's okay or would you just knock it back and leave it where we are now? Because we're in the next step, did you say? The one step High lower growth. than the So there's so, basically, we have aggressive, then yep. high growth. Growth is where you are right now, and Yep. then you have balanced growth and defensive. Now Okay. what I can do for you as well, if it's something that you are comfortable seeing a bit of risk, I also wanna make sure that if you don't need to take unnecessary risk, there's no point to doing so. Mhmm. But if you need to increase the risk a little bit and you are comfortable with that in order to kinda get your super to where you want it to be at the time of retirement, then part of Yep. the research is I can have a look at both options for you. So I can do one with growth where you are at at the moment with no contributions, reviewing your investments and seeing, okay. Well, if sorry. Did you say about '65 or '67? When do you Mhmm. think I mean realistically? I mean, realistically, probably, let's say '67. Okay. I don't plan on like, I mean, hopefully, I've sorted everything out, and I should be Yeah. fine Yep. prior to that. So but Okay. if that yeah. So let's just say sixty seven at this Sixty point seven. in time. Okay.","start_word":4656,"end_word":4925,"sentiment":"neutral","sentiment_score":0.08976557105779648},{"text":"Perfect.","start_word":4926,"end_word":4926,"sentiment":"positive","sentiment_score":0.4893299341201782},{"text":"So I'll work with one Mhmm. option. I'll assess because I wanna run all the numbers for you as well. Because if it is that, okay, increasing you a little bit to high even if we do one Yep.","start_word":4927,"end_word":4965,"sentiment":"neutral","sentiment_score":0.27938276529312134},{"text":"up to a high growth portfolio and seeing how that's gonna change things for you, if that's gonna make quite a big of a difference then and you are comfortable with it, then I will Okay.","start_word":4966,"end_word":5001,"sentiment":"positive","sentiment_score":0.42960867285728455},{"text":"recommend it. But if at the same time where you are right now in a growth portfolio, if you are still gonna get to your goal of drawing a thousand dollars per week from retirement at Yep. 67, if you're already gonna get there with the level of growth the level of risk you are currently with, there might not be a need to increase it. Does that make sense? Yeah. Yeah. Yeah. Yeah. Of course. Like, I'm not Okay. scared to take a bit of risk. Yeah. Like, that's that's Okay. fine.","start_word":5002,"end_word":5094,"sentiment":"neutral","sentiment_score":-0.015090828921685936},{"text":"Good.","start_word":5095,"end_word":5095,"sentiment":"positive","sentiment_score":0.369935542345047},{"text":"Like, you know what I mean? So Yeah. don't don't say I'm all yeah. Like, I'm really, yeah, worried, Yeah. but I just obviously, Good. I wanna make sure Do you I'm wanna taking grow it? the right Yes. risk, if that makes sense. Yes. Yes. And also Yep. with your investments, because a lot of the investments, even though we're talking about growth investments, it's not like we have it in super risky investments. We don't have speculative investments. We we don't invest it in, like, direct shares. So you put everything into the one option. It's still, like, ETFs where it's still very diversified. So it's, like, one investment option is still diversified. You're not putting all the eggs in one basket regardless. Yeah. Okay. So I'll keep that in mind that you're comfortable with with high growth, Yep. seeing where that leaves you, and that at least is one step up, slightly bit of that defensive. Yeah. And then Exactly. I'll run the numbers for you as well Okay. just to see what that would look like. Yeah. Because I I mean, I Yep. sort of don't mind being, you know, a bit of aggressive now, but I'm just thinking if if something happens two years or three down the road and it crashes and I lose quite a bit, have I got enough Mhmm. time to Yeah. make that up before '67? That that's the main sort That's of thing okay. that I'm thinking of. Yeah? Yeah. And because aggressive, typically, we see 100% in growth. There's no defensive at all. So, Yeah. like, no gold, no no fixed interest or anything like that, typically. Yeah. Okay.","start_word":5096,"end_word":5376,"sentiment":"neutral","sentiment_score":0.03868081219149654},{"text":"Look, Yep. I'm happy to, yeah, work out.","start_word":5377,"end_word":5384,"sentiment":"positive","sentiment_score":0.5801991820335388},{"text":"I mean, if you crunch the numbers and and you said, I mean, Yep.","start_word":5385,"end_word":5398,"sentiment":"neutral","sentiment_score":0.31680166721343994},{"text":"you know, this is good at good at yeah. If you've got a bit of time, I'm happy to take Yep. your advice and and that Yes.","start_word":5399,"end_word":5425,"sentiment":"positive","sentiment_score":0.47155019640922546},{"text":"no dramas whatsoever. Okay. Alright. I'll have a look at both I'll have a look at a few options for you, and Yep. I can show you I'll make a recommendation on what I think. But then even in, like, the appendix, I can show you one of the alternatives so that you can actually see the difference yourself as well Perfect.","start_word":5426,"end_word":5487,"sentiment":"neutral","sentiment_score":0.22982816398143768},{"text":"for that.","start_word":5488,"end_word":5489,"sentiment":"positive","sentiment_score":0.33782264590263367},{"text":"Sorry. That is no problem.","start_word":5490,"end_word":5494,"sentiment":"neutral","sentiment_score":0.2779775559902191},{"text":"Excellent. Perfect.","start_word":5495,"end_word":5496,"sentiment":"positive","sentiment_score":0.6122208833694458},{"text":"Now going back to the documents while we're in Yep. there for you, the next document you can see, which one is that? Yep. So that's after the Vanguard? Yes, please. And that's the just as oak if you find it, like, it's a dot. It's a it's a pig. Yes. Like, Yep. the hole. So that one here, you probably saw when you came on board as well. It is one of those compliance documents. It is it just gives you all the important information regarding us here at o q. So none of the important information has changed since last time, but we've had a bit of an update to our marketing. So some Yep. of the photos might look a little bit different, and we've also No. had a bit of extension to the team, which is good. But if you do wanna scroll through, if you wanna put a face through the voice, I can see which you on sometimes yeah. I is can nice. I can see your face? Yeah. So sometimes that's nice, obviously, when we're speaking over the phone. So, yep, there I am. You can see the team as well as you kind of scroll through. But like I Yep. said, none of the important information has changed otherwise for you. Yep. Cool. Now the next one there for you, is that your ongoing service agreement? This is a consent to Yeah. new ongoing Consent. Yeah. Yep.","start_word":5497,"end_word":5741,"sentiment":"neutral","sentiment_score":0.05115877502426809},{"text":"Beautiful.","start_word":5742,"end_word":5742,"sentiment":"positive","sentiment_score":0.5831314325332642},{"text":"So that one here, if you're happy to do so, it will ask for your signature. Now what it is, it is to say that you are happy to stay on as a client. Now Yep. there is no changes whatsoever in regards to the fee structure. It stays Mhmm. exactly the same at 1.65 from super only, Yep. and it is not a lock in contract. So if at any point in time, you are not happy, it's not a lock in contract. But by signing this, it allows us to service your account and manage your investments and everything for you in the meantime. Yep. Perfect. No. That that's perfectly fine. Yeah. Yep.","start_word":5743,"end_word":5857,"sentiment":"neutral","sentiment_score":0.13669802248477936},{"text":"Cool. Beautiful.","start_word":5858,"end_word":5859,"sentiment":"positive","sentiment_score":0.4391982257366181},{"text":"I can just sign that now. I've got you sign. Oh, yes. And I think that's the only one it will ask you to sign. Okay. And then so I've just done that now, so you should get a copy Oh, yes. Perfect. Does coming it say through. validating? Yeah. Yes. It's validating. That's loading from my end, so I don't know what that means. Okay. Hopefully, it doesn't crash. No. Usually, it'll take a little bit it'll take a little bit just to come through on my end. But while I Okay. wait for that to come through, I'll just go through the rest of the fact find to see if there's anything else that's changed that we need to factor into the advice. And, yes, I can see that's come through right now.","start_word":5860,"end_word":5994,"sentiment":"neutral","sentiment_score":0.0527314618229866},{"text":"So that's great. So thank you so much for that, Ricky. Excellent. You're welcome.","start_word":5995,"end_word":6008,"sentiment":"positive","sentiment_score":0.5625133514404297},{"text":"Now, otherwise, when it comes to your personal information, I have you down here as married with no financial dependence. Is that correct? Correct. Yes. Yep.","start_word":6009,"end_word":6034,"sentiment":"neutral","sentiment_score":0.11638055741786955},{"text":"Perfect.","start_word":6035,"end_word":6035,"sentiment":"positive","sentiment_score":0.33676448464393616},{"text":"And next up, Ken, I have Tony nominated. That's correct as well. Yeah. He's my husband. Yes.","start_word":6036,"end_word":6052,"sentiment":"neutral","sentiment_score":0.2067006528377533},{"text":"Beautiful.","start_word":6053,"end_word":6053,"sentiment":"positive","sentiment_score":0.4632696509361267},{"text":"Now I don't actually have his phone number listed on file. Would you mind providing that to me? Yeah. For sure. It's Yep. 0488, Double eight. Yep. 055, Zero double five. Yep. 222. 222.","start_word":6054,"end_word":6087,"sentiment":"neutral","sentiment_score":-0.002137260278686881},{"text":"Perfect. Thank you so much.","start_word":6088,"end_word":6092,"sentiment":"positive","sentiment_score":0.6935341954231262},{"text":"It's only just in the event for some reason we cannot get in touch with you at all. It's only then we would we would No. give That's him fine. a call. And he's still down as a beneficiary, like the whatever they Correct. call it there. Because that's Yes. every tree Okay. you've Sorry. got to sign the document, isn't it? What was that? Sorry? You know, for the beneficiary. So he's down for Mhmm. a 100%, and that's I have to sign a document every three years. Is that my understanding? Let me triple check. It depends on the type of nomination that you did. Let me triple check on your account. But, yes, I can see that Tony is down at a 100% nominated, which Yep. is correct. If something ever woulda happened to you, it will a 100% go to him.","start_word":6093,"end_word":6237,"sentiment":"neutral","sentiment_score":0.049518465995788574},{"text":"And because he is your spouse, it will be tax free, which is great. Perfect.","start_word":6238,"end_word":6252,"sentiment":"positive","sentiment_score":0.40590524673461914},{"text":"Now in terms of actually come how often you have to complete it, it depends on which nomination you actually made. So, yes, you did a lapsing nomination, Yep. which does mean that every three years, you have to complete it. And that will I'll get an email or a letter in the mail or something about that. Is that how that works? So, normally, we would touch base with you to say, hey. It's expired or expiring. Do Mhmm. you wanna renew it? So the Is there expiry another way I date, can do it? So is there Yes. another You way that I don't have to worry about filling that out every three years unless yeah. yes. Yes. So you can change it to a non lapsing, which means it Yep. stays in place until you decide to change it. Okay. Yeah. Can we do that? Is that do I have Yes. to sign anything for that? You do, unfortunately, because it is changing a legal nomination. Yep. I can get the form prefilled for you. So, obviously, Yep. prefilled Tony's information, change it to nonlapsing binding. Do you have access to a printer, or do you prefer post? Yes. I've I've had my printer still works here. I've already printed these days. But, yeah, I do have a printer, but I haven't Do printed you wanna for try? ages. Okay. Yeah. It's downstairs, but I think it should be fine. If not, I'll Okay. just I'll Let find me someone know, with and we'll the printer. get it. Yep.","start_word":6253,"end_word":6514,"sentiment":"neutral","sentiment_score":0.04957485906530939},{"text":"Beautiful. So what I'll do then is I will get the team to email that to you. We'll prefill it to make it nice and easy.","start_word":6515,"end_word":6540,"sentiment":"positive","sentiment_score":0.39327579736709595},{"text":"You just need to print it off, get it witnessed by two people, Yep. and Yep. then you could just scan it and send it back, and I'll upload that to Hub 24, and that will then stay in place. You don't even have to keep an eye on time frames or anything like that. It's just, Perfect. obviously, Yeah. if your That that situation would be ever better change, because just let yeah. us know. Yep. That's easier.","start_word":6541,"end_word":6619,"sentiment":"neutral","sentiment_score":0.21710343658924103},{"text":"Perfect. Beautiful.","start_word":6620,"end_word":6621,"sentiment":"positive","sentiment_score":0.6674655675888062},{"text":"That's what most people do as well just so they don't have to have to remember it just Yeah. in case. Exactly. So we will get that updated. Otherwise, let me see here. Expenses and savings per week was obviously probably a little bit different for you to what it used to be. Are you do you know roughly, like, your total bills and expenses and stuff per week or month or fortnightly? I'm not sure. Not sure. I mean, it just No. That's fluctuates all good. some weeks Yeah. more than others. And, like, I mean, obviously, you know, every quarter when the electricity bill comes Mhmm. in, you're spending more and then, you know, you're not And in then you you read know, your so stew and yeah. Exactly. Insurance everything. and That's yeah.","start_word":6622,"end_word":6757,"sentiment":"neutral","sentiment_score":0.011928150430321692},{"text":"all good.","start_word":6758,"end_word":6759,"sentiment":"positive","sentiment_score":0.35817623138427734},{"text":"So it sort of fluctuates. I mean, Yeah. we at the moment, I could probably say we probably live on less than 500 a week, but then other times Oh, it's, that's you fine. know, 2,000 a week because, you know, I've got Yeah. a few bills I'm paying or whatever. But you know what I mean? Like, Yes. so it's very Yeah. hard to say this is what we spend every week. Yeah. Yeah. No. That's Yeah. fine. It it it's like that for most people as well, Yeah. Exactly. especially It's very, nowadays.","start_word":6760,"end_word":6854,"sentiment":"neutral","sentiment_score":-0.03685711696743965},{"text":"very hard.","start_word":6855,"end_word":6856,"sentiment":"negative","sentiment_score":-0.34053319692611694},{"text":"It's you know, Yeah. I mean, you know, you get thousand bills coming in, you know, and they all sort of come Yep. in at once and then, oh, I'm alright. I'm spending max Always. amount this month, and then next month, you sort of bit less. Yes. No. That is totally fine. Assets and liabilities wise. Sorry. I have here that you own two motor vehicles, both valued at about 15,000. Is that correct? That's changed now. So we've Okay. we've traded them in and bought an EV. Yes.","start_word":6857,"end_word":6946,"sentiment":"neutral","sentiment_score":-0.040545012801885605},{"text":"So Beautiful.","start_word":6947,"end_word":6948,"sentiment":"positive","sentiment_score":0.3731789290904999},{"text":"And how Well, much that would that was one be worth, would you say? this? $85.85 85. and a half, I think it's worth. Perfect. And anything owing on it? No. No. Outright. Perfect. Yep. Now any other assets? Do you property, motor vehicles, We motorbike? own the house we live in, but Oh, that's yeah. under my husband's name, not my name. Okay. Yep. So, yeah, for me, nothing, but if it's under his name, but we do own it, so we don't pay mortgage. Yes.","start_word":6949,"end_word":7035,"sentiment":"neutral","sentiment_score":0.028430871665477753},{"text":"Oh, beautiful.","start_word":7036,"end_word":7037,"sentiment":"positive","sentiment_score":0.4178440868854522},{"text":"And no rent, which is nice. Yeah. No rent or anything. Now any other, like, savings in the bank or motorbikes or boats or anything else? No other motor vehicles Yep. or bikes or anything. We've got about, at the moment, accessible cash is about 300,000. Oh, yeah. Perfect. And any other liabilities? Like, any other personal loans, credit cards, ZipPay? Just credit card that we have. I pay that off every time every month. It's that Mhmm. that's Oh, yeah. Just, like, a debt points of and 15 stuff. that's 15,000 credit limit on that. But, Oh, you yeah. know, Perfect. pay it off every month anyway. Oh, that's fine then. Yep. Yep. A lot of people do that as well, especially, like, accumulating points and different things. Yeah. It's at Qantas points so I can get free holidays. Yeah. I just hit 400 Not thousand too points. bad. I'm like, yes. Oh, Where yay. can I go? Where do you guys have a holiday plans coming up? Yeah. I mean, my niece is getting married in, like, Como in October, so we're going to sort of Italy, Oh, beautiful. Prague, and London for just over a month in October, November. Oh, Dallas.","start_word":7038,"end_word":7241,"sentiment":"neutral","sentiment_score":0.1315701246699866},{"text":"Oh, that'll be the best. Oh, Yeah. that's really good. Looking forward to that.","start_word":7242,"end_word":7255,"sentiment":"positive","sentiment_score":0.5709956884384155},{"text":"Yeah. Yeah. Yeah. That's Do that's you keeping us alive. yeah. And how's the lifestyle wise? So have you done it as a nonsmoker? Is that still the case? Yes. Still a Yeah. non smoker. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months or everything's No. going Nothing. good? No. Beautiful. And do you have private health insurance? No. No. That's all good. And estate planning, obviously, we've already touched on your beneficiaries for super, but do you have a will or power of attorney or anything else in place? Yeah. We actually just finished redone our wheels about a month Oh, or great. so ago. So yeah. So we both got current wheels. Perfect. And do you know if you made a, nomination for power of attorney at the same time as part of the will? Do you know? Remember, Not sure? I think it's the where we the solicitor that done the rules is the oh, no. Not a power of attorney. Sorry. No. I haven't did No? you say power of attorney? Power of attorney. Yeah. Sorry. Yes. Like, obviously, someone who makes financial decisions or medical decisions if you're No. ever No. We unable haven't done to any do of so. that. No. Okay. Not yet. No. That's all good. But you don't have anyone who makes any financial decisions on your behalf otherwise? No. It's just the two of us No. that we work together. Yeah. Yeah.","start_word":7256,"end_word":7507,"sentiment":"neutral","sentiment_score":-0.001548954536990514},{"text":"That's nice.","start_word":7508,"end_word":7509,"sentiment":"positive","sentiment_score":0.5831745266914368},{"text":"And the last thing here, otherwise, Ricky, it's just some other goals. So if there's anything else that you are working towards or that you are wanting to achieve in the next couple of years. So, obviously, you have the holiday coming up, but do you have any other kind of financial or nonfinancial goals that you guys are working towards? We were we're planning on selling the house next year Mhmm. and either buying, rebuilding, or building somewhere, like, a bit sort Mhmm. of country ish. So other than that but, I mean, that would just be absorbed by the sale of the house. But, yeah, Mhmm. I Yeah. just I mean, I get the ultimate goal is to stay semi retired, not have to go back Yeah. to the workforce. So that's probably the ultimate goal. Yeah. Yeah. Oh, that's And beautiful. enjoy life because not many people get this privilege what I'm No. I've got now to give up before, you know, retire before 60. So No. I can Not maintain at all. that. Yeah. Yeah. No. Very, very good situation.","start_word":7510,"end_word":7693,"sentiment":"neutral","sentiment_score":0.03474527224898338},{"text":"Beautiful.","start_word":7694,"end_word":7694,"sentiment":"positive","sentiment_score":0.5016040802001953},{"text":"Well, is there any other questions or anything else you have for me, Ritchie, before I let you go and enjoy the rest No. of your I think evening think otherwise? that's about it. I think you've Not covered so good. everything. And this Yeah. year, you just sent me the the predictions for the the aggressive or the different form of investing. Yeah. So So I'll I can actually book in an appointment with you because I would like to go through it with you over the phone because there's quite a bit of information. I will send you the document anyway so that you can take it away and have a read over it. Yep. Now when is a good time for you? It will take me about a week and a half to put it all together. Yeah. So let's jump straight to July. So what about the week of the July 6? What if any day that works is fine for me? Oh, If yes.","start_word":7695,"end_word":7863,"sentiment":"neutral","sentiment_score":0.07177867841791119},{"text":"that's Perfect.","start_word":7864,"end_word":7865,"sentiment":"positive","sentiment_score":0.4504118859767914},{"text":"enough time Let for you? It yeah. gives I could probably you, like, two do the week before if you needed to. yeah. That's I mean, I don't that's up to you. I mean, You if easy? so you got Okay. a bit more Yeah. time. For me, I'm That's flexible. very kind I don't of care. you. I'm semi retired, remember? Yeah. Often people are like, no. I want it tomorrow, and you're giving them more time.","start_word":7866,"end_word":7943,"sentiment":"neutral","sentiment_score":0.05424709618091583},{"text":"I like it.","start_word":7944,"end_word":7946,"sentiment":"positive","sentiment_score":0.43710923194885254},{"text":"Yeah. Exactly. So yeah. So I'm not I No. mean, either the week of Easy. the twenty ninth Okay. or Let the week me of have a the look sixth. here. That's up to you. Whatever whatever works Works. for you. Okay. Let me have a look. I could do Tuesday the thirtieth or Wednesday the first. Okay. I could do either. Does morning, afternoon typically work best for you? Afternoons, generally. Afternoon? Okay. Yeah. So I could do 04:00, birthday, so Tuesday the thirtieth or Wednesday the first. Alright. Let's look in Wednesday, the first. Yep. Wednesday the You first. said 04:00? 04:00. Yeah. Four Yeah. PM, if that works. Yeah. That's that's fine.","start_word":7947,"end_word":8061,"sentiment":"neutral","sentiment_score":0.057026296854019165},{"text":"Yep. Perfect.","start_word":8062,"end_word":8063,"sentiment":"positive","sentiment_score":0.49485111236572266},{"text":"Now if anything does change and you have something coming up and you can't make it, just send me an email or or give the office a call, and we can always get that rescheduled. But, otherwise, that is booked in on Wednesday, July 1, which was crazy, Yep. And at Ira. four Yep. PM 4PM. And Ira, I think you yeah. Oh, Evan, like likewise, if you need more time, just that's like I yes. said, I'm flexible, so I don't Oh, mind either.","start_word":8064,"end_word":8148,"sentiment":"neutral","sentiment_score":0.027653316978146048},{"text":"I appreciate that very much. I should have it ready Sure.","start_word":8149,"end_word":8159,"sentiment":"positive","sentiment_score":0.5876302719116211},{"text":"by then, but I will I will let you know.","start_word":8160,"end_word":8169,"sentiment":"neutral","sentiment_score":0.21482305228710177},{"text":"But I appreciate Okay. you being so accommodating. No worries. And, yeah, I look forward to speaking with you then.","start_word":8170,"end_word":8189,"sentiment":"positive","sentiment_score":0.5389648675918579},{"text":"But if there's anything that changes or you need anything else from me in the meantime, don't hesitate to give me a call. Okay?","start_word":8190,"end_word":8213,"sentiment":"neutral","sentiment_score":0.1970352679491043},{"text":"Cool. Thanks. Appreciate it, No Veronica. problem at all. Have We'll a good speak afternoon.","start_word":8214,"end_word":8228,"sentiment":"positive","sentiment_score":0.5158547163009644},{"text":"then. Okay. You too. Bye. Bye. Bye.","start_word":8229,"end_word":8235,"sentiment":"neutral","sentiment_score":0.19481490552425385}],"average":{"sentiment":"neutral","sentiment_score":0.08015562634504071}}}}