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Yep. 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 for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Perfect. And how's your morning been? Been busy or pretty easy? Yeah. That's nice. Now, India, before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions or just kind of see where everything's at. Yep. Yep. Yes. Yeah. No. That makes sense. Now what I will do first before we kind of run through your superannuation and your insurances is just to go through just a bit of an updated fact find just to see if there is anything major that has changed in your life, if we need to make any, you know, tweaks and changes to your advice as well. So just kind of bear with me. Yeah? Yep. I just need to cross off on what I have here just to see if anything has changed. And now personal information, I'm still married with one financial dependent. Yes. Perfect. Now I don't actually have a next of kin on file for you. So in the event that we can't contact you, who is someone that you would like to nominate? So that can be anybody. Yep. Perfect. And just full name and phone number, please? Yep. Yep. Perfect. And phone number, please? 00. Did you say 88 at the end? Yep. Perfect. Thank you so much. Now occupation wise, I believe that has changed since we spoke last time during the annual review for you. Mhmm. Yep. Mhmm. Okay. Perfect. So area. Is that still within, like, engineering, or is it a different field? Yes. Okay. Yep. Okay. Perfect. And are you mainly working in the office, or would you go out on-site as part of it as well? Mhmm. Yep. Okay. Okay. Perfect. And is that a full time job as well? Yes. That's perfect. And what's the company called? Beautiful. And what's your income at the moment? 180. Now do you get overtime bonuses or anything like that? Yes. Okay. Perfect. But that would be is that kind of based on performance and stuff throughout the year, typically? Oh, yeah. Okay. Yep. So one eighty. Now they do they have an enterprise bargain agreement in place or nope? Okay. So they just paid up standard 12% contribution interest. Yep. Beautiful. And you're not making any additional contribution interest. Is that from your employer? No. Perfect. Now asset wise, I have here your property last time we spoke was valued at about 1.1. Is that still roughly the case? Do you know, or has that gone up a little bit? Mhmm. Yeah. 1.25. Now I have about $9.60 owing. Does that sound about right? Yep. And, also, I motor vehicle ride at about 40,000. Okay. Mhmm. 94. And how much was that one by? That's the same? Or yep. Yep. Perfect. I also have solar system. Do you have 10 owing on that alone or something? Yes. Yep. And a personal loan of about 41. Okay. Perfect. 36. And then about 10,000 just on a credit card as well. Alright. Oh, perfect. Any other new assets in the last twelve months? Any motorbikes or boats or anything else? Like, beautiful. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything? No. No. That's good. And when it comes to estate planning, do you have a will in place settle or a power of attorney? No. And when it comes through your superannuation and your insurances as well, I can see here that we don't have a current nomination on file for you. So that is in let me triple check-in the system. But sometimes, you never know with us us post. Do you remember if you send it back through Australia Post, like, by post? Yeah. Let me triple check-in the account for you just so that the notes I have been given is correct. Just bear with me. Do you have access to a printer otherwise or not really? Do you have access to a printer? Okay. Because, yeah, I'm just having a look in the in the system now for you, and there is no current nomination. So what we, yeah, so the reason I asked about the printer, especially, obviously, with you being over in WA, sometimes it can take a little minute to for the post to get here. So if you are happy, I can get the team to email you the form. That way, once you've completed it, send it back. We know for a fact that it come back to us, and it's always in your inbox as well so you won't ever get lost and you'd have to redo it again. Yep. Okay. Perfect. If you do have any issues with them or completing them or anything, just let me know. Perfect. Otherwise, when it comes to your goals, so stuff that you are working towards that you are kind of wanting to achieve, sometimes during the under review is good to kind of get a bit of a check-in and see, you know, how how things are tracking and if that's still kind of the plans for you guys. And last time when we spoke to you, your it was kind of more like a five year plan was to potentially look at buying an investment property. Is that still kind of something you guys are thinking? Yep. Yep. Yeah. Yeah. Okay. Yep. Okay. Perfect. And when you are ready to have a look at it, if you don't have a good mortgage broker, just let us know because we work pretty closely with a couple of firms, but I'd be more than happy to get them to reach out, see, you know, borrowing capacity and stuff like that if that is something you are interested. If so, just let me know. Yep. Perfect. Aside from that, your focus was to do just a bit of a travel and then be in a position where you can put your son through private school. Obviously, I probably can imagine that with, obviously, the redundancy that may have changed, or or is that still kind of the the plan? Yes. Oh, beautiful. That's great. Yeah. Yep. Okay. Great. Is there any anything else that you are working towards in the next couple of years? So that's kind of your main focus. Mhmm. Mhmm. Mhmm. Yep. Yep. Yeah. Yep. Yeah. No. It definitely does. And, you know, if there are any other areas of advice that you want obviously, I understand, obviously, being pretty new with the the role and everything, getting on top of everything. But when, you know, when everything's kind of sorted or if you do have a bit of spare, I guess, cash or you wanna look in different investment options to tryna diversify, like, just let us know because we do a lot of outside of reinvesting as well if that is something you would ever be interested in. Yes. Yes. Yep. Okay. Perfect. And is that something that you wanna, like, give a bit of time on? Can we start looking, obviously, with your new role, like, maybe in a couple of months or next year? Mhmm. Yep. Okay. Perfect. Because there are a lot of, obviously, a lot of different ways you can do personal investing, and it often often comes down to, I guess, what your goals are and priority. And, also, if it would be conflicting with the investment property or whether it would be like, obviously, if you're saving money for the the deposited investment property or whether you'd wanna put some aside for different type of investments, there's obviously different ways you can diversify things for you as well. Mhmm. Yep. Yep. Okay. Perfect. Because, yes, there's a lot of different outside super obviously, starting from property investments that we look at. And it often comes down to as well, well, what are the time frames we're looking at? Because that can then steer us in different directions. How much money we are thinking of starting off with, and also whether we are thinking of doing, like, regular contributions through that type of investments or whether it's just like a one off thing. So there's obviously, like, a few things to kind of consider. But what I can do is if it's obviously something that you wanna have a bit of a think about, to be like, okay. What's what's our focus? How much do we could we put in? What are our time frames? I can even put, like, a a reminder in a couple of months to reach out to see where things are at for you. Mhmm. Mhmm. Yep. Okay. And yeah. So so with the personal investment, usually, how we would work, it would be a matter of finding out what your goals are, how much money we are looking at, time frames. And then based on that, that would then provide me with the direction of what type of investments because there's so many different things we can look at. So we obviously wanna tailor it to your goals and making sure that the recommendation put forth is aligning with you. Now, obviously, we could do all that research and everything, and and that would show, obviously, fees and costs and everything like that before you could even, you know, decide what you'd want to do. But, usually, the first step would be for you to, I guess, decide what your priorities are and what the goals and objectives are. And then from that, we can put together a proposal more so that way. Is that does that make sense, Indi? Yes. Yes. Yes. Yeah. Yeah. Okay. Perfect. Well, at the end, we'll have a look at some different time options and can consider that together. Okay. Perfect. Anything else otherwise that you're kinda working towards? Mhmm. Yep. Yep. Okay. Beautiful. Well, that kind of ties us into, obviously, your superannuation. So what I will go through next, first is just a bit of an updated risk profile questionnaire. You may remember going through that a couple of times, and it's basically just for me to see if your risk tolerance or anything has changed and if we need to make any tweaks and changes to your risk profile. Now some of them can be a bit tricky because it's all hypothetical scenarios. Just trying to see and answer the best way that you can and what you think is most applicable to you. No right or wrong answer. It's all just multiple choice as well. Does that make sense? Yep. Perfect. Now at the moment or previously, have you ever bought direct shares yourself? No. No. Okay. Perfect. And, obviously, time frames to superannuation. I have here that, ideally, you would like to start drawing an income from your super at 60, which is the earliest you can with the current legislation. Is that still kind of the the plan? Just take it when you can. Yep. No. Perfect. Otherwise, when it comes through the the level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk, or your superannuation to make sure it continues to to grow. High growth. High growth. Yeah. Yep. So not, like, super, super, super high, but still, like, kind of the second option. So not, like, aggressive, but still kind of high growth because you do still have, you know, plenty of time until you turn 60 to try to boost that as much as possible. And the other one is, obviously, when it comes to volatility, so fluctuations. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So not like one particular investment that's just gone really bad, just like the market as a whole. Now would you say, if you had the option to do so, that you would look through potentially invest a little bit more while the prices are down. Hold. Wait to see what happens. Or would you want to shift to a more secure asset, but that means you are then selling when the prices have already dropped? Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yeah. Yep. No. That's a very, very logical way of of looking at it, so that totally makes sense. Now when it comes to investments dropping in value, so for example, superannuation or any other assets that you've had, obviously, the last twelve months, I'm sure you've obviously seen and and heard on the news. There's obviously been a bit of turbulence in the market. Obviously, everything that's going on in The US with Trump and tariffs and everything saw a bit of fluctuations. And, obviously, more recently with the war as well, we have seen fluctuations in the market or even going back to COVID. That was obviously quite a lot of fluctuation. Now if you ever noticed your superannuation temporarily fall in value, how did that make you feel? Would you say optimistic about potential investment opportunities, kind of a bit more neutral, not making further investments, or concerned or highly anxious? Mhmm. Yep. Perfect. And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep. Yep. Okay. Perfect. Yep. Now that tells me here that you have come out as a high growth investor, which you could probably see, which is, like I said, the current portfolio we have you invested in. Now do you remember what it means to be a high growth investor at all? Yeah. No. That's okay. Essentially, it tells me that you are looking at getting as much growth as you possibly can out of superannuation while you still have plenty of time until retirement. But at the same time that you are comfortable seeing a bit of short term fluctuation in order to achieve that growth. Now when we are also then looking at how the money's invested, we typically see 90% invested in what we would call your growth assets. So that's a combination of, like, Australian shares, international shares, as well as property as well. And that is ultimately what is going to maximize those return for you. And then about 10% in defensive limit fluctuations a little bit, but the main focus is obviously growth. And those defensive would be a combination of, like, fixed interest, gold, and cash. Does that all make sense? Yep. Perfect. And are you still comfortable with that high growth risk profile? Yep. Yep. Perfect. And, also, when we are looking at, like, a time frame, so making sure you have enough time in the market for those short term fluctuations, High growth portfolio would typically want to see at least eight years till retirement, which you do have behind you. So from a time frame point of view, it's a really good, position for you as well. Perfect. Now did you have access to your emails at the moment? Yep. Yeah. So what I have done is I have sent you an email with some documents. Now I will go through them with you now over the phone, but if you don't have access to them right now, then I'm more than happy for you to just have, obviously, review over them later when you have a bit more time. And if you then have any questions, you can always just give me a callback or send me an email. Is that okay? Yep. Perfect. Now in the documents so we have also changed software a little bit. So it might look slightly different to what you are used to, but it's kind of the same concept where you can obviously access and sign it digitally. So when you get the email and have a look at the spam folder as well if it's the first time through this software. But, basically, when you click on the email, it will say sign document. You will just have to click on the link first, and that will open up all the documents for you to view. And it's only at the end, it will ask you to sign if you're happy to do so. So clicking on the link doesn't automatically mean that you you have to sign right away. Does that make sense? Yep. Perfect. Now what you will see is the first document is just a bit of a summary of your superannuation and your insurances. So with your superannuation at the moment, you have it with hub twenty four, and you do have about a $120,711 in there. Now with your insurances as well, you do have a bit of insurance with TEL. Now for your life insurance, you have 2,320,000 763. For your total permanent disability insurance, you have 2,448,653. This is all in the documents too, so you don't have to remember it because there's obviously a lot of numbers. Now with life and KPD, are you still happy with that level of cover that you are covered for, or what are your thoughts on how much cover you have in place? Yep. Perfect. Now next is obviously your income protection. So with your income protection, it will pay you a monthly amount. Now at the moment, you are covered for $10,211 per month. So I did quickly just check while we were on the phone to see how that matches your new income, and it's pretty pretty split spot on. So on 70 percent max, it's about 10,500, so very similar, which is good. Because if there's a big discrepancy, then we might want to make adjustments so you're not paying too much for cover you can't claim or if you are significantly underinsured. But it basically lines up, which is really good. Now with your income protection as well, you do have a thirty day waiting period, which means you have to wait that thirty days before you can claim on it, and you have the benefit period all the way up to the age of 65. So very comprehensive. Now all those three combined, you do get a 15% tax rebate, and that's about $4,280 after that rebate. Now you also have trauma insurance, which you pay for out of pocket, and that is covering you for a 127,890 if something were to happen. And the monthly premium is about $60.60 per month. Yep. Any questions with your insurances? Yep. Perfect. Now the next document you will see, it is a performance report. Now it basically gives you a bit of a snapshot over your portfolio net of fees over the last twelve months. Now it breaks down all your individual investments, how they have performed, how much you have in each option. Now I kind of touched on earlier that, obviously, the market have seen a bit of turbulence in the last twelve months, especially, obviously, being in a high growth portfolio, you can see a little bit of more of those fluctuations. But in saying that, though, overall, your portfolio has done pretty good considering the market fluctuations. So in the last twelve months, it's still net of fees. It's still up by 8.45%, which we're actually quite happy with. Now there is one investment that I would like to look at changing for you if you are happy to do so, and that is your Benelong Australian Equity Fund. Now when you have a look at the performance report, on the second column to the right, it actually shows you all of your investments and how they have performed. Some of them have been absolutely crazy, especially your global ex battery tech and lithium. Obviously, a lot of fuel prices, electric vehicles kind of shot through the roof. Sorry. That one has gone up about 71%, which is pretty crazy. So there is one investment that is underperforming at the moment, which is your Bennelong Australian Equity. Now, Indi, are you quite familiar with a different type of investments, like a direct share managed funds ETF? Yeah. Okay. Perfect. So Bennelong is your managed fund. It's the the only managed fund you have in there. So, obviously, the function of that one is to actively buy and sell different investments in order to try to outperform the market. Now they have been very successful in doing so, which is why it was originally added to your portfolio. But at the same time, kind of like you touched on as well, we also want to be proactive with your investment. And if we do a lot of research on your investments and we just see one underperforming a little bit, and we don't believe it's necessarily going to be the best option moving forward, we want to be proactive. So the investment committee have done a lot of research on the investment and have found another option to swap it for if you are happy with that. So, basically, what it is is then swapping Benelon. Because it invests in Australian market, we wanna still make sure you have some exposure to the Australian market. So they were looking at another option that was basically giving you that exposure, but was performing a little bit better and a little bit cheaper as well. So the one that they found to be more a little bit better was called your beta shares eight two hundred. I never heard of that one. It was called no. That's okay. A beta shares. A beta. So, like, alpha beta. Yep. Beta shares. Yep. A 200. So what that is correct. So which is why it's a little bit cheaper. So what it is is obviously investing in the a 200. So the 200 largest companies listed on the ASX. Obviously, very diversified for you. Because you don't have that same kind of active buying and selling, you you can see, obviously, a little bit more less volatility as a result. And with the active management, if they are outperforming, then it's it's worth potentially spending a little bit more for the active management. But if they're underperforming in regards through, you know, ETF and index, then you don't wanna necessarily pay more for it if they're not then outperforming those a little bit more passive investment. Does that make sense so far? Yep. Yep. So, basically, the yeah. And the investment committee, committee, and we've done a little research on it. So we would like to look at changing your straight over through a 200 if that is something that you are happy with. It will be transferring cost to the other, but what I will do before is I want to check the transaction fee. So because Bennelong is down at the moment, there shouldn't be any capital gains tax associated with the change. But when I do up the record of advice, it's called, You don't have to sign it, but I'm happy to email it to you first and for you to respond to the email to say that you are happy to proceed before I go ahead with it. It will show you, yeah, it will show you the transaction fees. Usually, it's between depending on, obviously, how much it's usually between, like, 10 and maybe $12 in transaction fees to make the trade, but it will be outlined in that record of advice for you. And I will hold off until you've reviewed it and responded via email, if that's okay, or you can call me before we were through to change it just to make sure you are happy with it. And then you can look into it as well. Correct. Yes. So it'd be about 12 dollars or something like that. Yeah. Yes. Would you if it's around the $12 or less, would you happy for me to just action it, or do you still wanna review it first? No. Okay. Yep. Perfect. If there's anything changes, though, I will hold off. But, typically, the ones of course. And if it was going to cost you a significant amount, then we wouldn't potentially look to do this change for you anyway because we wanna make sure it's obviously in your best interest. So having a look at it, it shouldn't be it should be, like, yeah, around $12 for the trade. I will send it to you. If it's around that figure, I will proceed with it. If it's a lot higher, which I doubt, I will give you a call and send it to you just to triple check it first. Yep. No problem. Now what you will also have in those documents is just the Vanguard index tab. Seems like you're pretty familiar with the market, which is good, but that one is just there as a visual representation just to kind of show you the market fluctuations and how the market moves. Now you will also have your child certificate of currency. Again, just breaks down your insurances in a bit more detail, but lets you know that's all paid and up to date. You will also have the OQ services guide. Again, you would have seen this a couple of times. It is one of those compliance documents, but it is it is good because it gives you all the important information in regards to us here at OQ Financial. If you do have a bit of a read over it, you will also see we've had a bit of an extension to the team, which is good, and also some updated marketing. If you have it, scroll through it. You can also find myself on page 10, I believe, if you do wanna put a face to the voice. Yep. Now the last two documents, now these are the ones it will ask you to sign if you are happy to do so. One is a tax file number form. It is just a compliance form to say we are keeping your tax file number secure and safe on file. And the last one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now indeed, there is no changes in regards to the fee structure. So we haven't increased it or anything. It stays exactly the same at 1.65 from super. So no changes in regards to it. And there is also, same as last time, it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing it, it basically allows us to manage all your investments and everything for you in the meantime. Do you have any questions in regards to any of those documents so far? Let me have a look here. I think you sent one you signed one I think it was a little bit over six months ago, but I think we were running a little bit behind on the annual reviews because, obviously, the flood and everything we had up in Queensland. So we're now kind of going back into that twelve month rotation for you. So if you sign, obviously, this new one, it will just cancel out the the the old one, and it will just stay for the next twelve months. So it's not like you are double double handling or anything like that. It's just one replaces the other, essentially. But that's a very good question. But, again, not a lock in contract. But that is essentially all the documents from from my end. So when you have a moment, have a read through them. If you have any questions, let me know. If not, I will just ask you to sign those through through documents there, which should have a signature attached to make it nice and easy. Any questions, though, let me know. I will also do that record of advice and send it through to you. And like I said, if it's around the $12 or so, I will just tell the investment team to go ahead and make that change. If there's anything if it if it's very different to what I've told you, I will email it regardless that'll call you just to make sure before we make any changes. Now the other thing is then, obviously, your your personal investments. So when would you like to look to have that conversation? So it probably will take maybe about half hour or so for for the conversation. And then following that conversation, I will go and do, you know, different research and stuff for different investment options for you. I don't work Fridays, unfortunately. So Monday to Thursday. Thursdays, I work late nights as well, so I can accommodate later appointments. Yes. So the latest appointment I can do on a Thursday would be 05:30 my time, which would obviously be two hours earlier for you. So that will be three thirty. That's fine? Okay. Now let me have a look here because they do book out the quickest. Let me see. I could do Thursday, July 23. That's in two weeks' time at that 03:30 mark. Would that be okay with you? Yes. Okay. Yes. Yes. Perfect. So I'll book that in on Thursday, the twenty third. That will be 03:30 your time. I will get the team to send you a text reminder on the Monday. And if anything does change and you can't make it, just let me know because we can always just reschedule and change it. Yep. Perfect. Now do you have any questions before I let you go and enjoy the rest of your afternoon otherwise? Mhmm. What do you mean? If it's always up twenty four? Not always because it's very tailored and specific through to each client. So we look and do research on all super funds all the time to make sure that is still the best option. Now, yes. Correct. Yes. Yes. Yes. Yes. Yes. So do you have a a paper or a or a pen or notes on your phone? Okay. So, yep, so with login, it's it's it's quite easy. I use 24 for my personal super as well. So what you need is a login ID. So I will read out this number when you are ready. Yep. So it's 1 37047 85. So that is your login ID. So when you do you have the app on your phone usually, or do you go on the computer? Okay. Yeah. But when you go like, if you go and redownload the app, it will ask for your login ID and password. Login ID is what I just told you. Password, if, obviously, you don't know, you can just do reset password. And then you can just go through the security process of, obviously, resetting that. Yeah. But if you do have any issues, just call the office, and and we can kinda guide you. But, yeah, login ID is what you need. Yep. No problem. Well, otherwise, I look forward to speaking with you in about two weeks' time. Have a look through those documents when you have a moment, and keep a lookout for that email. But, otherwise, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, the twenty third. No worries. We'll speak soon. 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afternoon. This is Veronica from Financial. How are you? Yeah. Good.\n\nThanks. How are you? That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nYep. 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 for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nPerfect. And how's your morning been? Been busy or pretty easy? Yeah. That's nice.\n\nNow, India, before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions or just kind of see where everything's at. Yep. Yep. Yes. Yeah.\n\nNo. That makes sense. Now what I will do first before we kind of run through your superannuation and your insurances is just to go through just a bit of an updated fact find just to see if there is anything major that has changed in your life, if we need to make any, you know, tweaks and changes to your advice as well. So just kind of bear with me. Yeah?\n\nYep. I just need to cross off on what I have here just to see if anything has changed. And now personal information, I'm still married with one financial dependent. Yes. Perfect.\n\nNow I don't actually have a next of kin on file for you. So in the event that we can't contact you, who is someone that you would like to nominate? So that can be anybody. Yep. Perfect.\n\nAnd just full name and phone number, please? Yep. Yep. Perfect. And phone number, please?\n\n00. Did you say 88 at the end? Yep. Perfect. Thank you so much.\n\nNow occupation wise, I believe that has changed since we spoke last time during the annual review for you. Mhmm. Yep. Mhmm. Okay.\n\nPerfect. So area. Is that still within, like, engineering, or is it a different field? Yes. Okay.\n\nYep. Okay. Perfect. And are you mainly working in the office, or would you go out on-site as part of it as well? Mhmm.\n\nYep. Okay. Okay. Perfect. And is that a full time job as well?\n\nYes. That's perfect. And what's the company called? Beautiful. And what's your income at the moment?\n\n180. Now do you get overtime bonuses or anything like that? Yes. Okay. Perfect.\n\nBut that would be is that kind of based on performance and stuff throughout the year, typically? Oh, yeah. Okay. Yep. So one eighty.\n\nNow they do they have an enterprise bargain agreement in place or nope? Okay. So they just paid up standard 12% contribution interest. Yep. Beautiful.\n\nAnd you're not making any additional contribution interest. Is that from your employer? No. Perfect. Now asset wise, I have here your property last time we spoke was valued at about 1.1.\n\nIs that still roughly the case? Do you know, or has that gone up a little bit? Mhmm. Yeah. 1.25.\n\nNow I have about $9.60 owing. Does that sound about right? Yep. And, also, I motor vehicle ride at about 40,000. Okay.\n\nMhmm. 94. And how much was that one by? That's the same? Or yep.\n\nYep. Perfect. I also have solar system. Do you have 10 owing on that alone or something? Yes.\n\nYep. And a personal loan of about 41. Okay. Perfect. 36.\n\nAnd then about 10,000 just on a credit card as well. Alright. Oh, perfect. Any other new assets in the last twelve months? Any motorbikes or boats or anything else?\n\nLike, beautiful. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any changes to your health in the last twelve months?\n\nAny illnesses or injuries or anything? No. No. That's good. And when it comes to estate planning, do you have a will in place settle or a power of attorney?\n\nNo. And when it comes through your superannuation and your insurances as well, I can see here that we don't have a current nomination on file for you. So that is in let me triple check-in the system. But sometimes, you never know with us us post. Do you remember if you send it back through Australia Post, like, by post?\n\nYeah. Let me triple check-in the account for you just so that the notes I have been given is correct. Just bear with me. Do you have access to a printer otherwise or not really? Do you have access to a printer?\n\nOkay. Because, yeah, I'm just having a look in the in the system now for you, and there is no current nomination. So what we, yeah, so the reason I asked about the printer, especially, obviously, with you being over in WA, sometimes it can take a little minute to for the post to get here. So if you are happy, I can get the team to email you the form. That way, once you've completed it, send it back.\n\nWe know for a fact that it come back to us, and it's always in your inbox as well so you won't ever get lost and you'd have to redo it again. Yep. Okay. Perfect. If you do have any issues with them or completing them or anything, just let me know.\n\nPerfect. Otherwise, when it comes to your goals, so stuff that you are working towards that you are kind of wanting to achieve, sometimes during the under review is good to kind of get a bit of a check-in and see, you know, how how things are tracking and if that's still kind of the plans for you guys. And last time when we spoke to you, your it was kind of more like a five year plan was to potentially look at buying an investment property. Is that still kind of something you guys are thinking? Yep.\n\nYep. Yeah. Yeah. Okay. Yep.\n\nOkay. Perfect. And when you are ready to have a look at it, if you don't have a good mortgage broker, just let us know because we work pretty closely with a couple of firms, but I'd be more than happy to get them to reach out, see, you know, borrowing capacity and stuff like that if that is something you are interested. If so, just let me know. Yep.\n\nPerfect. Aside from that, your focus was to do just a bit of a travel and then be in a position where you can put your son through private school. Obviously, I probably can imagine that with, obviously, the redundancy that may have changed, or or is that still kind of the the plan? Yes. Oh, beautiful.\n\nThat's great. Yeah. Yep. Okay. Great.\n\nIs there any anything else that you are working towards in the next couple of years? So that's kind of your main focus. Mhmm. Mhmm. Mhmm.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nNo. It definitely does. And, you know, if there are any other areas of advice that you want obviously, I understand, obviously, being pretty new with the the role and everything, getting on top of everything. But when, you know, when everything's kind of sorted or if you do have a bit of spare, I guess, cash or you wanna look in different investment options to tryna diversify, like, just let us know because we do a lot of outside of reinvesting as well if that is something you would ever be interested in. Yes.\n\nYes. Yep. Okay. Perfect. And is that something that you wanna, like, give a bit of time on?\n\nCan we start looking, obviously, with your new role, like, maybe in a couple of months or next year? Mhmm. Yep. Okay. Perfect.\n\nBecause there are a lot of, obviously, a lot of different ways you can do personal investing, and it often often comes down to, I guess, what your goals are and priority. And, also, if it would be conflicting with the investment property or whether it would be like, obviously, if you're saving money for the the deposited investment property or whether you'd wanna put some aside for different type of investments, there's obviously different ways you can diversify things for you as well. Mhmm. Yep. Yep.\n\nOkay. Perfect. Because, yes, there's a lot of different outside super obviously, starting from property investments that we look at. And it often comes down to as well, well, what are the time frames we're looking at? Because that can then steer us in different directions.\n\nHow much money we are thinking of starting off with, and also whether we are thinking of doing, like, regular contributions through that type of investments or whether it's just like a one off thing. So there's obviously, like, a few things to kind of consider. But what I can do is if it's obviously something that you wanna have a bit of a think about, to be like, okay. What's what's our focus? How much do we could we put in?\n\nWhat are our time frames? I can even put, like, a a reminder in a couple of months to reach out to see where things are at for you. Mhmm. Mhmm. Yep.\n\nOkay. And yeah. So so with the personal investment, usually, how we would work, it would be a matter of finding out what your goals are, how much money we are looking at, time frames. And then based on that, that would then provide me with the direction of what type of investments because there's so many different things we can look at. So we obviously wanna tailor it to your goals and making sure that the recommendation put forth is aligning with you.\n\nNow, obviously, we could do all that research and everything, and and that would show, obviously, fees and costs and everything like that before you could even, you know, decide what you'd want to do. But, usually, the first step would be for you to, I guess, decide what your priorities are and what the goals and objectives are. And then from that, we can put together a proposal more so that way. Is that does that make sense, Indi? Yes.\n\nYes. Yes. Yeah. Yeah. Okay.\n\nPerfect. Well, at the end, we'll have a look at some different time options and can consider that together. Okay. Perfect. Anything else otherwise that you're kinda working towards?\n\nMhmm. Yep. Yep. Okay. Beautiful.\n\nWell, that kind of ties us into, obviously, your superannuation. So what I will go through next, first is just a bit of an updated risk profile questionnaire. You may remember going through that a couple of times, and it's basically just for me to see if your risk tolerance or anything has changed and if we need to make any tweaks and changes to your risk profile. Now some of them can be a bit tricky because it's all hypothetical scenarios. Just trying to see and answer the best way that you can and what you think is most applicable to you.\n\nNo right or wrong answer. It's all just multiple choice as well. Does that make sense? Yep. Perfect.\n\nNow at the moment or previously, have you ever bought direct shares yourself? No. No. Okay. Perfect.\n\nAnd, obviously, time frames to superannuation. I have here that, ideally, you would like to start drawing an income from your super at 60, which is the earliest you can with the current legislation. Is that still kind of the the plan? Just take it when you can. Yep.\n\nNo. Perfect. Otherwise, when it comes through the the level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk, or your superannuation to make sure it continues to to grow. High growth.\n\nHigh growth. Yeah. Yep. So not, like, super, super, super high, but still, like, kind of the second option. So not, like, aggressive, but still kind of high growth because you do still have, you know, plenty of time until you turn 60 to try to boost that as much as possible.\n\nAnd the other one is, obviously, when it comes to volatility, so fluctuations. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So not like one particular investment that's just gone really bad, just like the market as a whole. Now would you say, if you had the option to do so, that you would look through potentially invest a little bit more while the prices are down. Hold.\n\nWait to see what happens. Or would you want to shift to a more secure asset, but that means you are then selling when the prices have already dropped? Mhmm. Yep. Yep.\n\nMhmm. Yep. Yep. Yeah. Yep.\n\nNo. That's a very, very logical way of of looking at it, so that totally makes sense. Now when it comes to investments dropping in value, so for example, superannuation or any other assets that you've had, obviously, the last twelve months, I'm sure you've obviously seen and and heard on the news. There's obviously been a bit of turbulence in the market. Obviously, everything that's going on in The US with Trump and tariffs and everything saw a bit of fluctuations.\n\nAnd, obviously, more recently with the war as well, we have seen fluctuations in the market or even going back to COVID. That was obviously quite a lot of fluctuation. Now if you ever noticed your superannuation temporarily fall in value, how did that make you feel? Would you say optimistic about potential investment opportunities, kind of a bit more neutral, not making further investments, or concerned or highly anxious? Mhmm.\n\nYep. Perfect. And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep.\n\nYep. Okay. Perfect. Yep. Now that tells me here that you have come out as a high growth investor, which you could probably see, which is, like I said, the current portfolio we have you invested in.\n\nNow do you remember what it means to be a high growth investor at all? Yeah. No. That's okay. Essentially, it tells me that you are looking at getting as much growth as you possibly can out of superannuation while you still have plenty of time until retirement.\n\nBut at the same time that you are comfortable seeing a bit of short term fluctuation in order to achieve that growth. Now when we are also then looking at how the money's invested, we typically see 90% invested in what we would call your growth assets. So that's a combination of, like, Australian shares, international shares, as well as property as well. And that is ultimately what is going to maximize those return for you. And then about 10% in defensive limit fluctuations a little bit, but the main focus is obviously growth.\n\nAnd those defensive would be a combination of, like, fixed interest, gold, and cash. Does that all make sense? Yep. Perfect. And are you still comfortable with that high growth risk profile?\n\nYep. Yep. Perfect. And, also, when we are looking at, like, a time frame, so making sure you have enough time in the market for those short term fluctuations, High growth portfolio would typically want to see at least eight years till retirement, which you do have behind you. So from a time frame point of view, it's a really good, position for you as well.\n\nPerfect. Now did you have access to your emails at the moment? Yep. Yeah. So what I have done is I have sent you an email with some documents.\n\nNow I will go through them with you now over the phone, but if you don't have access to them right now, then I'm more than happy for you to just have, obviously, review over them later when you have a bit more time. And if you then have any questions, you can always just give me a callback or send me an email. Is that okay? Yep. Perfect.\n\nNow in the documents so we have also changed software a little bit. So it might look slightly different to what you are used to, but it's kind of the same concept where you can obviously access and sign it digitally. So when you get the email and have a look at the spam folder as well if it's the first time through this software. But, basically, when you click on the email, it will say sign document. You will just have to click on the link first, and that will open up all the documents for you to view.\n\nAnd it's only at the end, it will ask you to sign if you're happy to do so. So clicking on the link doesn't automatically mean that you you have to sign right away. Does that make sense? Yep. Perfect.\n\nNow what you will see is the first document is just a bit of a summary of your superannuation and your insurances. So with your superannuation at the moment, you have it with hub twenty four, and you do have about a $120,711 in there. Now with your insurances as well, you do have a bit of insurance with TEL. Now for your life insurance, you have 2,320,000 763. For your total permanent disability insurance, you have 2,448,653.\n\nThis is all in the documents too, so you don't have to remember it because there's obviously a lot of numbers. Now with life and KPD, are you still happy with that level of cover that you are covered for, or what are your thoughts on how much cover you have in place? Yep. Perfect. Now next is obviously your income protection.\n\nSo with your income protection, it will pay you a monthly amount. Now at the moment, you are covered for $10,211 per month. So I did quickly just check while we were on the phone to see how that matches your new income, and it's pretty pretty split spot on. So on 70 percent max, it's about 10,500, so very similar, which is good. Because if there's a big discrepancy, then we might want to make adjustments so you're not paying too much for cover you can't claim or if you are significantly underinsured.\n\nBut it basically lines up, which is really good. Now with your income protection as well, you do have a thirty day waiting period, which means you have to wait that thirty days before you can claim on it, and you have the benefit period all the way up to the age of 65. So very comprehensive. Now all those three combined, you do get a 15% tax rebate, and that's about $4,280 after that rebate. Now you also have trauma insurance, which you pay for out of pocket, and that is covering you for a 127,890 if something were to happen.\n\nAnd the monthly premium is about $60.60 per month. Yep. Any questions with your insurances? Yep. Perfect.\n\nNow the next document you will see, it is a performance report. Now it basically gives you a bit of a snapshot over your portfolio net of fees over the last twelve months. Now it breaks down all your individual investments, how they have performed, how much you have in each option. Now I kind of touched on earlier that, obviously, the market have seen a bit of turbulence in the last twelve months, especially, obviously, being in a high growth portfolio, you can see a little bit of more of those fluctuations. But in saying that, though, overall, your portfolio has done pretty good considering the market fluctuations.\n\nSo in the last twelve months, it's still net of fees. It's still up by 8.45%, which we're actually quite happy with. Now there is one investment that I would like to look at changing for you if you are happy to do so, and that is your Benelong Australian Equity Fund. Now when you have a look at the performance report, on the second column to the right, it actually shows you all of your investments and how they have performed. Some of them have been absolutely crazy, especially your global ex battery tech and lithium.\n\nObviously, a lot of fuel prices, electric vehicles kind of shot through the roof. Sorry. That one has gone up about 71%, which is pretty crazy. So there is one investment that is underperforming at the moment, which is your Bennelong Australian Equity. Now, Indi, are you quite familiar with a different type of investments, like a direct share managed funds ETF?\n\nYeah. Okay. Perfect. So Bennelong is your managed fund. It's the the only managed fund you have in there.\n\nSo, obviously, the function of that one is to actively buy and sell different investments in order to try to outperform the market. Now they have been very successful in doing so, which is why it was originally added to your portfolio. But at the same time, kind of like you touched on as well, we also want to be proactive with your investment. And if we do a lot of research on your investments and we just see one underperforming a little bit, and we don't believe it's necessarily going to be the best option moving forward, we want to be proactive. So the investment committee have done a lot of research on the investment and have found another option to swap it for if you are happy with that.\n\nSo, basically, what it is is then swapping Benelon. Because it invests in Australian market, we wanna still make sure you have some exposure to the Australian market. So they were looking at another option that was basically giving you that exposure, but was performing a little bit better and a little bit cheaper as well. So the one that they found to be more a little bit better was called your beta shares eight two hundred. I never heard of that one.\n\nIt was called no. That's okay. A beta shares. A beta. So, like, alpha beta.\n\nYep. Beta shares. Yep. A 200. So what that is correct.\n\nSo which is why it's a little bit cheaper. So what it is is obviously investing in the a 200. So the 200 largest companies listed on the ASX. Obviously, very diversified for you. Because you don't have that same kind of active buying and selling, you you can see, obviously, a little bit more less volatility as a result.\n\nAnd with the active management, if they are outperforming, then it's it's worth potentially spending a little bit more for the active management. But if they're underperforming in regards through, you know, ETF and index, then you don't wanna necessarily pay more for it if they're not then outperforming those a little bit more passive investment. Does that make sense so far? Yep. Yep.\n\nSo, basically, the yeah. And the investment committee, committee, and we've done a little research on it. So we would like to look at changing your straight over through a 200 if that is something that you are happy with. It will be transferring cost to the other, but what I will do before is I want to check the transaction fee. So because Bennelong is down at the moment, there shouldn't be any capital gains tax associated with the change.\n\nBut when I do up the record of advice, it's called, You don't have to sign it, but I'm happy to email it to you first and for you to respond to the email to say that you are happy to proceed before I go ahead with it. It will show you, yeah, it will show you the transaction fees. Usually, it's between depending on, obviously, how much it's usually between, like, 10 and maybe $12 in transaction fees to make the trade, but it will be outlined in that record of advice for you. And I will hold off until you've reviewed it and responded via email, if that's okay, or you can call me before we were through to change it just to make sure you are happy with it. And then you can look into it as well.\n\nCorrect. Yes. So it'd be about 12 dollars or something like that. Yeah. Yes.\n\nWould you if it's around the $12 or less, would you happy for me to just action it, or do you still wanna review it first? No. Okay. Yep. Perfect.\n\nIf there's anything changes, though, I will hold off. But, typically, the ones of course. And if it was going to cost you a significant amount, then we wouldn't potentially look to do this change for you anyway because we wanna make sure it's obviously in your best interest. So having a look at it, it shouldn't be it should be, like, yeah, around $12 for the trade. I will send it to you.\n\nIf it's around that figure, I will proceed with it. If it's a lot higher, which I doubt, I will give you a call and send it to you just to triple check it first. Yep. No problem. Now what you will also have in those documents is just the Vanguard index tab.\n\nSeems like you're pretty familiar with the market, which is good, but that one is just there as a visual representation just to kind of show you the market fluctuations and how the market moves. Now you will also have your child certificate of currency. Again, just breaks down your insurances in a bit more detail, but lets you know that's all paid and up to date. You will also have the OQ services guide. Again, you would have seen this a couple of times.\n\nIt is one of those compliance documents, but it is it is good because it gives you all the important information in regards to us here at OQ Financial. If you do have a bit of a read over it, you will also see we've had a bit of an extension to the team, which is good, and also some updated marketing. If you have it, scroll through it. You can also find myself on page 10, I believe, if you do wanna put a face to the voice. Yep.\n\nNow the last two documents, now these are the ones it will ask you to sign if you are happy to do so. One is a tax file number form. It is just a compliance form to say we are keeping your tax file number secure and safe on file. And the last one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now indeed, there is no changes in regards to the fee structure.\n\nSo we haven't increased it or anything. It stays exactly the same at 1.65 from super. So no changes in regards to it. And there is also, same as last time, it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.\n\nBut by signing it, it basically allows us to manage all your investments and everything for you in the meantime. Do you have any questions in regards to any of those documents so far? Let me have a look here. I think you sent one you signed one I think it was a little bit over six months ago, but I think we were running a little bit behind on the annual reviews because, obviously, the flood and everything we had up in Queensland. So we're now kind of going back into that twelve month rotation for you.\n\nSo if you sign, obviously, this new one, it will just cancel out the the the old one, and it will just stay for the next twelve months. So it's not like you are double double handling or anything like that. It's just one replaces the other, essentially. But that's a very good question. But, again, not a lock in contract.\n\nBut that is essentially all the documents from from my end. So when you have a moment, have a read through them. If you have any questions, let me know. If not, I will just ask you to sign those through through documents there, which should have a signature attached to make it nice and easy. Any questions, though, let me know.\n\nI will also do that record of advice and send it through to you. And like I said, if it's around the $12 or so, I will just tell the investment team to go ahead and make that change. If there's anything if it if it's very different to what I've told you, I will email it regardless that'll call you just to make sure before we make any changes. Now the other thing is then, obviously, your your personal investments. So when would you like to look to have that conversation?\n\nSo it probably will take maybe about half hour or so for for the conversation. And then following that conversation, I will go and do, you know, different research and stuff for different investment options for you. I don't work Fridays, unfortunately. So Monday to Thursday. Thursdays, I work late nights as well, so I can accommodate later appointments.\n\nYes. So the latest appointment I can do on a Thursday would be 05:30 my time, which would obviously be two hours earlier for you. So that will be three thirty. That's fine? Okay.\n\nNow let me have a look here because they do book out the quickest. Let me see. I could do Thursday, July 23. That's in two weeks' time at that 03:30 mark. Would that be okay with you?\n\nYes. Okay. Yes. Yes. Perfect.\n\nSo I'll book that in on Thursday, the twenty third. That will be 03:30 your time. I will get the team to send you a text reminder on the Monday. And if anything does change and you can't make it, just let me know because we can always just reschedule and change it. Yep.\n\nPerfect. Now do you have any questions before I let you go and enjoy the rest of your afternoon otherwise? Mhmm. What do you mean? If it's always up twenty four?\n\nNot always because it's very tailored and specific through to each client. So we look and do research on all super funds all the time to make sure that is still the best option. Now, yes. Correct. Yes.\n\nYes. Yes. Yes. Yes. So do you have a a paper or a or a pen or notes on your phone?\n\nOkay. So, yep, so with login, it's it's it's quite easy. I use 24 for my personal super as well. So what you need is a login ID. So I will read out this number when you are ready.\n\nYep. So it's 1 37047 85. So that is your login ID. So when you do you have the app on your phone usually, or do you go on the computer? Okay.\n\nYeah. But when you go like, if you go and redownload the app, it will ask for your login ID and password. Login ID is what I just told you. Password, if, obviously, you don't know, you can just do reset password. And then you can just go through the security process of, obviously, resetting that.\n\nYeah. But if you do have any issues, just call the office, and and we can kinda guide you. But, yeah, login ID is what you need. Yep. No problem.\n\nWell, otherwise, I look forward to speaking with you in about two weeks' time. Have a look through those documents when you have a moment, and keep a lookout for that email. But, otherwise, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, the twenty third. No worries. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8799999,"sentiment":"positive","sentiment_score":0.3663519322872162},{"text":"This is Veronica from Financial.","start":2.8799999,"end":4.26,"sentiment":"neutral","sentiment_score":0.24248876869678498},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.16963149110476175},{"text":"Yeah.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.24098405241966248},{"text":"Good.","start":8.559999,"end":8.8,"sentiment":"positive","sentiment_score":0.5562474131584167}],"sentiment":"neutral","sentiment_score":0.2709394705792268,"num_words":12,"start":2.1599998,"end":8.8},{"sentences":[{"text":"Thanks.","start":8.8,"end":9.12,"sentiment":"positive","sentiment_score":0.6152857542037964},{"text":"How are you?","start":9.12,"end":9.86,"sentiment":"positive","sentiment_score":0.3582674264907837},{"text":"That's good.","start":12.08,"end":13.139999,"sentiment":"positive","sentiment_score":0.7488696277141571},{"text":"I had you booked in to go over your annual review.","start":14.304999,"end":16.865,"sentiment":"positive","sentiment_score":0.4574034186926755},{"text":"Is now still a good time for you?","start":16.865,"end":18.485,"sentiment":"positive","sentiment_score":0.36490342766046524}],"sentiment":"positive","sentiment_score":0.4455396926403046,"num_words":25,"start":8.8,"end":18.485},{"sentences":[{"text":"Yep.","start":20.545,"end":21.045,"sentiment":"neutral","sentiment_score":0.2421583831310272},{"text":"Perfect.","start":21.345,"end":21.845,"sentiment":"positive","sentiment_score":0.4859853684902191},{"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":22.305,"end":30.04,"sentiment":"neutral","sentiment_score":0.054231301206966925},{"text":"Perfect.","start":31.78,"end":32.28,"sentiment":"positive","sentiment_score":0.34777724742889404},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":32.74,"end":42.6,"sentiment":"neutral","sentiment_score":0.08359135506731091}],"sentiment":"neutral","sentiment_score":0.08318682232728371,"num_words":65,"start":20.545,"end":42.6},{"sentences":[{"text":"Perfect.","start":48.705,"end":49.205,"sentiment":"positive","sentiment_score":0.40177229046821594},{"text":"And how's your morning been?","start":49.265003,"end":50.705,"sentiment":"neutral","sentiment_score":0.13683256804943084},{"text":"Been busy or pretty easy?","start":50.705,"end":52.805,"sentiment":"neutral","sentiment_score":0.06709763444960118},{"text":"Yeah.","start":57.84,"end":58.34,"sentiment":"neutral","sentiment_score":0.1921314150094986},{"text":"That's nice.","start":58.64,"end":60.72,"sentiment":"positive","sentiment_score":0.5961862206459045}],"sentiment":"neutral","sentiment_score":0.200423368518906,"num_words":14,"start":48.705,"end":60.72},{"sentences":[{"text":"Now, India, before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions or just kind of see where everything's at.","start":60.72,"end":74.595,"sentiment":"neutral","sentiment_score":0.045399074224715535},{"text":"Yep.","start":76.895,"end":77.395,"sentiment":"neutral","sentiment_score":0.11454477161169052},{"text":"Yep.","start":78.735,"end":79.235,"sentiment":"neutral","sentiment_score":0.07924023270606995},{"text":"Yes.","start":100.045,"end":100.545,"sentiment":"neutral","sentiment_score":0.10995696485042572},{"text":"Yeah.","start":107.82,"end":108.32,"sentiment":"neutral","sentiment_score":0.05568167567253113}],"sentiment":"neutral","sentiment_score":0.04888588496867348,"num_words":51,"start":60.72,"end":108.32},{"sentences":[{"text":"No.","start":108.54,"end":108.78,"sentiment":"neutral","sentiment_score":-0.1277908980846405},{"text":"That makes sense.","start":108.78,"end":109.92,"sentiment":"neutral","sentiment_score":-0.010441434880097708},{"text":"Now what I will do first before we kind of run through your superannuation and your insurances is just to go through just a bit of an updated fact find just to see if there is anything major that has changed in your life, if we need to make any, you know, tweaks and changes to your advice as well.","start":110.94,"end":130.035,"sentiment":"neutral","sentiment_score":-0.015021679503843189},{"text":"So just kind of bear with me.","start":130.33499,"end":132.19499,"sentiment":"neutral","sentiment_score":-0.13840730381863459},{"text":"Yeah?","start":132.415,"end":132.915,"sentiment":"neutral","sentiment_score":-0.02746601216495037}],"sentiment":"neutral","sentiment_score":-0.028565737664596073,"num_words":72,"start":108.54,"end":132.915},{"sentences":[{"text":"Yep.","start":133.91,"end":134.41,"sentiment":"neutral","sentiment_score":0.038730934262275696},{"text":"I just need to cross off on what I have here just to see if anything has changed.","start":134.79,"end":139.61,"sentiment":"neutral","sentiment_score":-0.059665020348297224},{"text":"And now personal information, I'm still married with one financial dependent.","start":141.51,"end":146.73,"sentiment":"neutral","sentiment_score":-0.0485052036290819},{"text":"Yes.","start":148.55501,"end":149.05501,"sentiment":"neutral","sentiment_score":0.04511425271630287},{"text":"Perfect.","start":149.195,"end":149.695,"sentiment":"neutral","sentiment_score":0.1756557673215866}],"sentiment":"neutral","sentiment_score":-0.04212583287153393,"num_words":32,"start":133.91,"end":149.695},{"sentences":[{"text":"Now I don't actually have a next of kin on file for you.","start":150.875,"end":155.21501,"sentiment":"neutral","sentiment_score":-0.06706896195044884},{"text":"So in the event that we can't contact you, who is someone that you would like to nominate?","start":155.675,"end":161.21501,"sentiment":"neutral","sentiment_score":-0.016315334373050265},{"text":"So that can be anybody.","start":161.27501,"end":162.49501,"sentiment":"neutral","sentiment_score":0.008741604909300805},{"text":"Yep.","start":166.01,"end":166.48999,"sentiment":"neutral","sentiment_score":0.09779371321201324},{"text":"Perfect.","start":166.48999,"end":166.98999,"sentiment":"neutral","sentiment_score":0.2085713893175125}],"sentiment":"neutral","sentiment_score":-0.02146051044722921,"num_words":38,"start":150.875,"end":166.98999},{"sentences":[{"text":"And just full name and phone number, please?","start":168.09,"end":170.98999,"sentiment":"neutral","sentiment_score":0.0871079983189702},{"text":"Yep.","start":176.025,"end":176.525,"sentiment":"neutral","sentiment_score":0.03843143209815025},{"text":"Yep.","start":181.94499,"end":182.44499,"sentiment":"neutral","sentiment_score":0.02255885675549507},{"text":"Perfect.","start":185.305,"end":185.805,"sentiment":"neutral","sentiment_score":0.1081310138106346},{"text":"And phone number, please?","start":187.95999,"end":189.34,"sentiment":"neutral","sentiment_score":0.034991475753486156}],"sentiment":"neutral","sentiment_score":0.06706341281533242,"num_words":15,"start":168.09,"end":189.34},{"sentences":[{"text":"00.","start":194.92,"end":195.9,"sentiment":"neutral","sentiment_score":0.002060881583020091},{"text":"Did you say 88 at the end?","start":196.2,"end":197.98,"sentiment":"neutral","sentiment_score":-0.000011059056435312544},{"text":"Yep.","start":198.84,"end":199.245,"sentiment":"neutral","sentiment_score":0.1052553802728653},{"text":"Perfect.","start":199.405,"end":199.72499,"sentiment":"positive","sentiment_score":0.43449029326438904},{"text":"Thank you so much.","start":199.72499,"end":200.94499,"sentiment":"positive","sentiment_score":0.5989380031824112}],"sentiment":"neutral","sentiment_score":0.2098200824610623,"num_words":14,"start":194.92,"end":200.94499},{"sentences":[{"text":"Now occupation wise, I believe that has changed since we spoke last time during the annual review for you.","start":201.485,"end":210.625,"sentiment":"neutral","sentiment_score":-0.04180756662237017},{"text":"Mhmm.","start":219.26,"end":219.76,"sentiment":"neutral","sentiment_score":-0.06833259761333466},{"text":"Yep.","start":221.65999,"end":222.15999,"sentiment":"neutral","sentiment_score":-0.025128133594989777},{"text":"Mhmm.","start":223.275,"end":223.775,"sentiment":"neutral","sentiment_score":-0.033504828810691833},{"text":"Okay.","start":230.635,"end":231.135,"sentiment":"neutral","sentiment_score":0.0008930787444114685}],"sentiment":"neutral","sentiment_score":-0.04001809769998426,"num_words":23,"start":201.485,"end":231.135},{"sentences":[{"text":"Perfect.","start":231.19499,"end":231.69499,"sentiment":"neutral","sentiment_score":0.01739022321999073},{"text":"So area.","start":231.915,"end":232.655,"sentiment":"neutral","sentiment_score":-0.013895230833441019},{"text":"Is that still within, like, engineering, or is it a different 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and stuff throughout the year, typically?","start":314.71002,"end":319.05002,"sentiment":"neutral","sentiment_score":0.016624605995328987},{"text":"Oh, yeah.","start":319.11002,"end":319.59,"sentiment":"neutral","sentiment_score":0.001574018970131874},{"text":"Okay.","start":319.59,"end":320.09,"sentiment":"neutral","sentiment_score":0.01862240582704544},{"text":"Yep.","start":320.47,"end":320.97,"sentiment":"neutral","sentiment_score":0.0267159603536129},{"text":"So one eighty.","start":323.27002,"end":324.47,"sentiment":"neutral","sentiment_score":0.005544962671895822}],"sentiment":"neutral","sentiment_score":0.014489149752383431,"num_words":24,"start":314.71002,"end":324.47},{"sentences":[{"text":"Now they do they have an enterprise bargain agreement in place or nope?","start":324.47,"end":330.305,"sentiment":"neutral","sentiment_score":-0.009870933297161873},{"text":"Okay.","start":330.445,"end":330.845,"sentiment":"neutral","sentiment_score":-0.010402128100395204},{"text":"So they just paid up standard 12% contribution interest.","start":330.845,"end":333.825,"sentiment":"neutral","sentiment_score":-0.0077568817262848215},{"text":"Yep.","start":333.965,"end":334.445,"sentiment":"neutral","sentiment_score":0.05305705592036247},{"text":"Beautiful.","start":334.445,"end":334.945,"sentiment":"neutral","sentiment_score":0.17588277161121368}],"sentiment":"neutral","sentiment_score":0.0008161452412605286,"num_words":25,"start":324.47,"end":334.945},{"sentences":[{"text":"And you're not making any additional contribution interest.","start":336.125,"end":339.025,"sentiment":"neutral","sentiment_score":-0.04565722914412618},{"text":"Is that from your employer?","start":339.165,"end":340.465,"sentiment":"neutral","sentiment_score":-0.10037794709205627},{"text":"No.","start":340.765,"end":341.265,"sentiment":"neutral","sentiment_score":-0.05630940571427345},{"text":"Perfect.","start":341.565,"end":342.065,"sentiment":"neutral","sentiment_score":0.027973413467407227},{"text":"Now asset wise, I have here your property last time we spoke was valued at about 1.1.","start":343.94,"end":351.0,"sentiment":"neutral","sentiment_score":-0.00349747170420254}],"sentiment":"neutral","sentiment_score":-0.029841893119737506,"num_words":32,"start":336.125,"end":351.0},{"sentences":[{"text":"Is that still roughly the case?","start":351.94,"end":353.46002,"sentiment":"neutral","sentiment_score":0.002050650306046009},{"text":"Do you know, or has that gone up a little 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40,000.","start":370.43,"end":374.44998,"sentiment":"neutral","sentiment_score":0.017545302708943684},{"text":"Okay.","start":377.15,"end":377.65,"sentiment":"neutral","sentiment_score":0.01134891714900732}],"sentiment":"neutral","sentiment_score":0.012880199038508263,"num_words":22,"start":363.375,"end":377.65},{"sentences":[{"text":"Mhmm.","start":380.845,"end":381.345,"sentiment":"neutral","sentiment_score":-0.0002947533503174782},{"text":"94.","start":384.285,"end":385.165,"sentiment":"neutral","sentiment_score":0.002510224236175418},{"text":"And how much was that one by?","start":385.165,"end":387.325,"sentiment":"neutral","sentiment_score":0.0022318895374025616},{"text":"That's the same?","start":387.325,"end":388.545,"sentiment":"neutral","sentiment_score":0.00029833593968457234},{"text":"Or 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something?","start":396.69,"end":400.55002,"sentiment":"neutral","sentiment_score":0.04265648275613785},{"text":"Yes.","start":402.05002,"end":402.45,"sentiment":"neutral","sentiment_score":0.064699687063694}],"sentiment":"neutral","sentiment_score":0.07146419336398442,"num_words":18,"start":391.245,"end":402.45},{"sentences":[{"text":"Yep.","start":402.45,"end":402.95,"sentiment":"neutral","sentiment_score":0.025856515392661095},{"text":"And a personal loan of about 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school.","start":635.48,"end":645.9,"sentiment":"neutral","sentiment_score":0.08208731780278272},{"text":"Obviously, I probably can imagine that with, obviously, the redundancy that may have changed, or or is that still kind of the the plan?","start":646.84,"end":654.415,"sentiment":"neutral","sentiment_score":-0.03926621827607354},{"text":"Yes.","start":657.995,"end":658.495,"sentiment":"neutral","sentiment_score":0.024338366463780403},{"text":"Oh, beautiful.","start":660.33,"end":665.07,"sentiment":"positive","sentiment_score":0.4626801759004593}],"sentiment":"neutral","sentiment_score":0.04754510564370114,"num_words":57,"start":633.705,"end":665.07},{"sentences":[{"text":"That's great.","start":665.29004,"end":666.11005,"sentiment":"positive","sentiment_score":0.73053178191185},{"text":"Yeah.","start":669.53,"end":670.03,"sentiment":"neutral","sentiment_score":0.25550132989883423},{"text":"Yep.","start":673.305,"end":673.625,"sentiment":"neutral","sentiment_score":0.1387270987033844},{"text":"Okay.","start":673.625,"end":674.02496,"sentiment":"neutral","sentiment_score":0.22841590642929077},{"text":"Great.","start":674.02496,"end":674.52496,"sentiment":"positive","sentiment_score":0.5001557469367981}],"sentiment":"positive","sentiment_score":0.4306439409653346,"num_words":6,"start":665.29004,"end":674.52496},{"sentences":[{"text":"Is there any anything else that you are working towards in the next couple of years?","start":674.90497,"end":679.14496,"sentiment":"neutral","sentiment_score":0.2035689763724804},{"text":"So that's kind of your main focus.","start":679.14496,"end":680.76495,"sentiment":"neutral","sentiment_score":0.12108874853168215},{"text":"Mhmm.","start":683.225,"end":683.725,"sentiment":"neutral","sentiment_score":0.037150464951992035},{"text":"Mhmm.","start":697.335,"end":697.835,"sentiment":"neutral","sentiment_score":0.07986344397068024},{"text":"Mhmm.","start":710.63,"end":711.13,"sentiment":"neutral","sentiment_score":0.02996651828289032}],"sentiment":"neutral","sentiment_score":0.16352712649565476,"num_words":26,"start":674.90497,"end":711.13},{"sentences":[{"text":"Yep.","start":715.03,"end":715.53,"sentiment":"neutral","sentiment_score":0.06359237432479858},{"text":"Yep.","start":715.67004,"end":716.17004,"sentiment":"neutral","sentiment_score":0.09455516189336775},{"text":"Yeah.","start":721.205,"end":721.705,"sentiment":"neutral","sentiment_score":-0.003943156450986862},{"text":"Yep.","start":722.885,"end":723.385,"sentiment":"neutral","sentiment_score":0.02089804969727993},{"text":"Yeah.","start":723.765,"end":724.16504,"sentiment":"neutral","sentiment_score":0.053151026368141174}],"sentiment":"neutral","sentiment_score":0.04565069116652012,"num_words":5,"start":715.03,"end":724.16504},{"sentences":[{"text":"No.","start":724.16504,"end":724.565,"sentiment":"neutral","sentiment_score":0.04771881550550461},{"text":"It definitely does.","start":724.565,"end":725.68506,"sentiment":"neutral","sentiment_score":0.10942955687642097},{"text":"And, you know, if there are any other areas of advice that you want obviously, I understand, obviously, being pretty new with the the role and everything, getting on top of everything.","start":725.68506,"end":735.78503,"sentiment":"neutral","sentiment_score":0.061459168209694326},{"text":"But when, you know, when everything's kind of sorted or if you do have a bit of spare, I guess, cash or you wanna look in different investment options to tryna diversify, like, just let us know because we do a lot of outside of reinvesting as well if that is something you would ever be interested in.","start":737.02,"end":757.625,"sentiment":"neutral","sentiment_score":0.10022343685529356},{"text":"Yes.","start":764.66,"end":765.16,"sentiment":"neutral","sentiment_score":0.16645798087120056}],"sentiment":"neutral","sentiment_score":0.08760124407708644,"num_words":95,"start":724.16504,"end":765.16},{"sentences":[{"text":"Yes.","start":766.57996,"end":767.07996,"sentiment":"neutral","sentiment_score":0.08619335293769836},{"text":"Yep.","start":769.3,"end":769.69995,"sentiment":"neutral","sentiment_score":0.09890088438987732},{"text":"Okay.","start":769.69995,"end":770.1,"sentiment":"neutral","sentiment_score":0.19989585876464844},{"text":"Perfect.","start":770.1,"end":770.5,"sentiment":"positive","sentiment_score":0.43577703833580017},{"text":"And is that something that you wanna, like, give a bit of time on?","start":770.5,"end":774.425,"sentiment":"neutral","sentiment_score":0.16062727304441587}],"sentiment":"neutral","sentiment_score":0.17053049761388037,"num_words":18,"start":766.57996,"end":774.425},{"sentences":[{"text":"Can we start looking, obviously, with your new role, like, maybe in a couple of months or next year?","start":774.425,"end":778.96497,"sentiment":"neutral","sentiment_score":0.07595359651665938},{"text":"Mhmm.","start":781.265,"end":781.765,"sentiment":"neutral","sentiment_score":0.03375217318534851},{"text":"Yep.","start":793.12,"end":793.44,"sentiment":"neutral","sentiment_score":0.15957632660865784},{"text":"Okay.","start":793.44,"end":793.92,"sentiment":"positive","sentiment_score":0.3701314926147461},{"text":"Perfect.","start":793.92,"end":794.42,"sentiment":"positive","sentiment_score":0.6657265424728394}],"sentiment":"neutral","sentiment_score":0.1161871682042661,"num_words":23,"start":774.425,"end":794.42},{"sentences":[{"text":"Because there are a lot of, obviously, a lot of different ways you can do personal investing, and it often often comes down to, I guess, what your goals are and priority.","start":795.12,"end":803.555,"sentiment":"neutral","sentiment_score":0.23861755803227425},{"text":"And, also, if it would be conflicting with the investment property or whether it would be like, obviously, if you're saving money for the the deposited investment property or whether you'd wanna put some aside for different type of investments, there's obviously different ways you can diversify things for you as well.","start":804.255,"end":822.12,"sentiment":"neutral","sentiment_score":0.06334770757418412},{"text":"Mhmm.","start":837.25,"end":837.75,"sentiment":"neutral","sentiment_score":0.1501384079456329},{"text":"Yep.","start":842.76996,"end":843.26996,"sentiment":"neutral","sentiment_score":0.24377571046352384},{"text":"Yep.","start":848.20996,"end":848.61,"sentiment":"neutral","sentiment_score":0.14301082491874695}],"sentiment":"neutral","sentiment_score":0.13180192637032476,"num_words":87,"start":795.12,"end":848.61},{"sentences":[{"text":"Okay.","start":848.61,"end":849.01,"sentiment":"neutral","sentiment_score":0.2267580479383469},{"text":"Perfect.","start":849.01,"end":849.51,"sentiment":"positive","sentiment_score":0.38492143154144287},{"text":"Because, yes, there's a lot of different outside super obviously, starting from property investments that we look at.","start":850.295,"end":856.635,"sentiment":"neutral","sentiment_score":0.17328181862831116},{"text":"And it often comes down to as well, well, what are the time frames we're looking at?","start":857.255,"end":862.21497,"sentiment":"neutral","sentiment_score":0.08133867843186154},{"text":"Because that can then steer us in different directions.","start":862.21497,"end":865.035,"sentiment":"neutral","sentiment_score":0.1562834456562996}],"sentiment":"neutral","sentiment_score":0.141740451283429,"num_words":46,"start":848.61,"end":865.035},{"sentences":[{"text":"How much money we are thinking of starting off with, and also whether we are thinking of doing, like, regular contributions through that type of investments or whether it's just like a one off thing.","start":866.12,"end":880.38,"sentiment":"neutral","sentiment_score":0.09914603318486895},{"text":"So there's obviously, like, a few things to kind of consider.","start":880.555,"end":883.135,"sentiment":"neutral","sentiment_score":0.10726696659218181},{"text":"But what I can do is if it's obviously something that you wanna have a bit of a think about, to be like, okay.","start":885.755,"end":891.195,"sentiment":"neutral","sentiment_score":0.13305563014000654},{"text":"What's what's our focus?","start":891.195,"end":892.315,"sentiment":"neutral","sentiment_score":0.09183614514768124},{"text":"How much do we could we put in?","start":892.315,"end":894.155,"sentiment":"neutral","sentiment_score":0.05126783763989806}],"sentiment":"neutral","sentiment_score":0.10513256340310341,"num_words":82,"start":866.12,"end":894.155},{"sentences":[{"text":"What are our time frames?","start":894.155,"end":895.375,"sentiment":"neutral","sentiment_score":0.04076246246695518},{"text":"I can even put, like, a a reminder in a couple of months to reach out to see where things are at for you.","start":895.61005,"end":902.75,"sentiment":"neutral","sentiment_score":0.1079050589663287},{"text":"Mhmm.","start":916.505,"end":917.005,"sentiment":"neutral","sentiment_score":0.03822511434555054},{"text":"Mhmm.","start":918.825,"end":919.325,"sentiment":"neutral","sentiment_score":0.03993537276983261},{"text":"Yep.","start":928.52,"end":928.92,"sentiment":"neutral","sentiment_score":0.14072877168655396}],"sentiment":"neutral","sentiment_score":0.09413821832276881,"num_words":32,"start":894.155,"end":928.92},{"sentences":[{"text":"Okay.","start":928.92,"end":929.42,"sentiment":"neutral","sentiment_score":0.12603646516799927},{"text":"And yeah.","start":929.72,"end":930.52,"sentiment":"neutral","sentiment_score":0.1096087135374546},{"text":"So so with the personal investment, usually, how we would work, it would be a matter of finding out what your goals are, how much money we are looking at, time frames.","start":930.52,"end":941.96497,"sentiment":"neutral","sentiment_score":0.12138360214885324},{"text":"And then based on that, that would then provide me with the direction of what type of investments because there's so many different things we can look at.","start":942.425,"end":952.6,"sentiment":"neutral","sentiment_score":0.1339165209127324},{"text":"So we obviously wanna tailor it to your goals and making sure that the recommendation put forth is aligning with you.","start":952.74,"end":960.76,"sentiment":"neutral","sentiment_score":0.2230734857065337}],"sentiment":"neutral","sentiment_score":0.1507587493619039,"num_words":84,"start":928.92,"end":960.76},{"sentences":[{"text":"Now, obviously, we could do all that research and everything, and and that would show, obviously, fees and costs and everything like that before you could even, you know, decide what you'd want to do.","start":961.22,"end":971.13495,"sentiment":"neutral","sentiment_score":0.09204954632690975},{"text":"But, usually, the first step would be for you to, I guess, decide what your priorities are and what the goals and objectives are.","start":971.19495,"end":980.78,"sentiment":"neutral","sentiment_score":0.14214794368793568},{"text":"And then from that, we can put together a proposal more so that way.","start":980.78,"end":987.99506,"sentiment":"neutral","sentiment_score":0.11669802612492017},{"text":"Is that does that make sense, Indi?","start":987.99506,"end":989.695,"sentiment":"neutral","sentiment_score":0.15218493448836462},{"text":"Yes.","start":991.515,"end":992.015,"sentiment":"neutral","sentiment_score":0.11947516351938248}],"sentiment":"neutral","sentiment_score":0.11668922025480388,"num_words":81,"start":961.22,"end":992.015},{"sentences":[{"text":"Yes.","start":993.91504,"end":994.41504,"sentiment":"neutral","sentiment_score":0.10969269275665285},{"text":"Yes.","start":1000.64996,"end":1001.14996,"sentiment":"neutral","sentiment_score":0.08336777985095978},{"text":"Yeah.","start":1001.93,"end":1002.43,"sentiment":"neutral","sentiment_score":0.08905096352100372},{"text":"Yeah.","start":1003.52997,"end":1003.85,"sentiment":"neutral","sentiment_score":0.22139215469360352},{"text":"Okay.","start":1003.85,"end":1004.25,"sentiment":"positive","sentiment_score":0.3992571830749512}],"sentiment":"neutral","sentiment_score":0.1805521547794342,"num_words":5,"start":993.91504,"end":1004.25},{"sentences":[{"text":"Perfect.","start":1004.25,"end":1004.64996,"sentiment":"positive","sentiment_score":0.61366868019104},{"text":"Well, at the end, we'll have a look at some different time options and can consider that together.","start":1004.64996,"end":1009.94995,"sentiment":"neutral","sentiment_score":0.15982373141580158},{"text":"Okay.","start":1010.01,"end":1010.51,"sentiment":"neutral","sentiment_score":0.14276409149169922},{"text":"Perfect.","start":1010.57,"end":1011.07,"sentiment":"positive","sentiment_score":0.5619709491729736},{"text":"Anything else otherwise that you're kinda working towards?","start":1013.265,"end":1016.645,"sentiment":"neutral","sentiment_score":0.18674812838435173}],"sentiment":"neutral","sentiment_score":0.19617985908327432,"num_words":29,"start":1004.25,"end":1016.645},{"sentences":[{"text":"Mhmm.","start":1020.30505,"end":1020.80505,"sentiment":"neutral","sentiment_score":-0.01747754216194153},{"text":"Yep.","start":1024.0651,"end":1024.5651,"sentiment":"neutral","sentiment_score":-0.018593981862068176},{"text":"Yep.","start":1026.48,"end":1026.9601,"sentiment":"neutral","sentiment_score":0.11420349776744844},{"text":"Okay.","start":1026.9601,"end":1027.4401,"sentiment":"neutral","sentiment_score":0.31278157234191895},{"text":"Beautiful.","start":1027.4401,"end":1027.9401,"sentiment":"positive","sentiment_score":0.6094861030578613}],"sentiment":"neutral","sentiment_score":0.2000799298286438,"num_words":5,"start":1020.30505,"end":1027.9401},{"sentences":[{"text":"Well, that kind of ties us into, obviously, your superannuation.","start":1028.3201,"end":1031.3,"sentiment":"neutral","sentiment_score":0.2221626430749893},{"text":"So what I will go through next, first is just a bit of an updated risk profile questionnaire.","start":1031.8401,"end":1038.3401,"sentiment":"neutral","sentiment_score":0.055535393870539136},{"text":"You may remember going through that a couple of times, and it's basically just for me to see if your risk tolerance or anything has changed and if we need to make any tweaks and changes to your risk profile.","start":1038.965,"end":1051.56,"sentiment":"neutral","sentiment_score":0.006809465470723808},{"text":"Now some of them can be a bit tricky because it's all hypothetical scenarios.","start":1051.9401,"end":1055.88,"sentiment":"neutral","sentiment_score":-0.031822237585272105},{"text":"Just trying to see and answer the best way that you can and what you think is most applicable to you.","start":1056.5801,"end":1063.0801,"sentiment":"neutral","sentiment_score":0.015319427386635826}],"sentiment":"neutral","sentiment_score":0.03271688143858342,"num_words":103,"start":1028.3201,"end":1063.0801},{"sentences":[{"text":"No right or wrong answer.","start":1063.695,"end":1065.0549,"sentiment":"neutral","sentiment_score":-0.14010149538516997},{"text":"It's all just multiple choice as well.","start":1065.0549,"end":1066.735,"sentiment":"neutral","sentiment_score":-0.05807167025549071},{"text":"Does that make sense?","start":1066.735,"end":1067.7949,"sentiment":"neutral","sentiment_score":-0.012356837280094624},{"text":"Yep.","start":1068.815,"end":1069.315,"sentiment":"neutral","sentiment_score":0.10817572474479677},{"text":"Perfect.","start":1069.375,"end":1069.875,"sentiment":"neutral","sentiment_score":0.16198515892028809}],"sentiment":"neutral","sentiment_score":-0.04923753523164325,"num_words":18,"start":1063.695,"end":1069.875},{"sentences":[{"text":"Now at the moment or previously, have you ever bought direct shares yourself?","start":1070.6549,"end":1079.5599,"sentiment":"neutral","sentiment_score":0.002546196015408406},{"text":"No.","start":1079.62,"end":1080.12,"sentiment":"neutral","sentiment_score":-0.06901811063289642},{"text":"No.","start":1083.62,"end":1083.94,"sentiment":"neutral","sentiment_score":-0.03731942176818848},{"text":"Okay.","start":1083.94,"end":1084.34,"sentiment":"neutral","sentiment_score":0.028729036450386047},{"text":"Perfect.","start":1084.34,"end":1084.84,"sentiment":"neutral","sentiment_score":0.10334138572216034}],"sentiment":"neutral","sentiment_score":0.003460790468927692,"num_words":17,"start":1070.6549,"end":1084.84},{"sentences":[{"text":"And, obviously, time frames to superannuation.","start":1086.5,"end":1089.0,"sentiment":"neutral","sentiment_score":0.05764313290516535},{"text":"I have here that, ideally, you would like to start drawing an income from your super at 60, which is the earliest you can with the current legislation.","start":1090.485,"end":1098.185,"sentiment":"neutral","sentiment_score":0.0661055955237576},{"text":"Is that still kind of the the plan?","start":1098.965,"end":1101.285,"sentiment":"neutral","sentiment_score":0.03103962750174105},{"text":"Just take it when you can.","start":1101.285,"end":1102.745,"sentiment":"neutral","sentiment_score":0.07678203471004963},{"text":"Yep.","start":1103.285,"end":1103.76,"sentiment":"neutral","sentiment_score":0.034994401037693024}],"sentiment":"neutral","sentiment_score":0.060016716355267834,"num_words":49,"start":1086.5,"end":1103.76},{"sentences":[{"text":"No.","start":1104.16,"end":1104.48,"sentiment":"neutral","sentiment_score":0.02326314151287079},{"text":"Perfect.","start":1104.48,"end":1104.98,"sentiment":"neutral","sentiment_score":0.08091054856777191},{"text":"Otherwise, when it comes through the the level of risk that you are comfortable with for your superannuation.","start":1106.3201,"end":1112.74,"sentiment":"neutral","sentiment_score":-0.011305035609338019},{"text":"Now would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk, or your superannuation to make sure it continues to to grow.","start":1113.84,"end":1128.915,"sentiment":"neutral","sentiment_score":0.023927464234558018},{"text":"High growth.","start":1132.99,"end":1133.73,"sentiment":"neutral","sentiment_score":-0.03634653799235821}],"sentiment":"neutral","sentiment_score":0.011229023506695574,"num_words":55,"start":1104.16,"end":1133.73},{"sentences":[{"text":"High growth.","start":1134.67,"end":1135.47,"sentiment":"neutral","sentiment_score":-0.023069902323186398},{"text":"Yeah.","start":1135.47,"end":1135.97,"sentiment":"neutral","sentiment_score":-0.005752786062657833},{"text":"Yep.","start":1136.67,"end":1137.17,"sentiment":"neutral","sentiment_score":0.13452428579330444},{"text":"So not, like, super, super, super high, but still, like, kind of the second option.","start":1137.31,"end":1141.9501,"sentiment":"neutral","sentiment_score":0.033354181423783304},{"text":"So not, like, aggressive, but still kind of high growth because you do still have, you know, plenty of time until you turn 60 to try to boost that as much as possible.","start":1141.9501,"end":1150.1449,"sentiment":"neutral","sentiment_score":0.12419070134108717}],"sentiment":"neutral","sentiment_score":0.09002379924417116,"num_words":52,"start":1134.67,"end":1150.1449},{"sentences":[{"text":"And the other one is, obviously, when it comes to volatility, so fluctuations.","start":1152.205,"end":1156.5449,"sentiment":"neutral","sentiment_score":-0.12687267477695757},{"text":"Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":1157.6449,"end":1173.2849,"sentiment":"negative","sentiment_score":-0.4143376457504928},{"text":"So not like one particular investment that's just gone really bad, just like the market as a whole.","start":1173.2849,"end":1179.5449,"sentiment":"negative","sentiment_score":-0.4872259712881512},{"text":"Now would you say, if you had the option to do so, that you would look through potentially invest a little bit more while the prices are down.","start":1180.085,"end":1189.92,"sentiment":"neutral","sentiment_score":-0.19609313192112104},{"text":"Hold.","start":1190.78,"end":1191.28,"sentiment":"neutral","sentiment_score":-0.17060646414756775}],"sentiment":"neutral","sentiment_score":-0.318906859535238,"num_words":92,"start":1152.205,"end":1191.28},{"sentences":[{"text":"Wait to see what happens.","start":1191.74,"end":1193.12,"sentiment":"neutral","sentiment_score":-0.19513201117515563},{"text":"Or would you want to shift to a more secure asset, but that means you are then selling when the prices have already dropped?","start":1193.8201,"end":1200.48,"sentiment":"neutral","sentiment_score":-0.2181024650732676},{"text":"Mhmm.","start":1213.14,"end":1213.64,"sentiment":"neutral","sentiment_score":-0.16935691237449646},{"text":"Yep.","start":1216.42,"end":1216.92,"sentiment":"neutral","sentiment_score":-0.09123709052801132},{"text":"Yep.","start":1218.1,"end":1218.6,"sentiment":"neutral","sentiment_score":-0.06833787262439728}],"sentiment":"neutral","sentiment_score":-0.20434534666128457,"num_words":32,"start":1191.74,"end":1218.6},{"sentences":[{"text":"Mhmm.","start":1224.5,"end":1225.0,"sentiment":"neutral","sentiment_score":-0.13747602701187134},{"text":"Yep.","start":1231.045,"end":1231.285,"sentiment":"neutral","sentiment_score":0.020854800939559937},{"text":"Yep.","start":1231.285,"end":1231.785,"sentiment":"neutral","sentiment_score":0.022760353982448574},{"text":"Yeah.","start":1239.06,"end":1239.56,"sentiment":"neutral","sentiment_score":-0.024538923054933548},{"text":"Yep.","start":1243.06,"end":1243.56,"sentiment":"neutral","sentiment_score":0.05149334296584129}],"sentiment":"neutral","sentiment_score":-0.013381290435791015,"num_words":5,"start":1224.5,"end":1243.56},{"sentences":[{"text":"No.","start":1243.78,"end":1244.02,"sentiment":"neutral","sentiment_score":-0.008838340640068054},{"text":"That's a very, very logical way of of looking at it, so that totally makes sense.","start":1244.02,"end":1248.6,"sentiment":"neutral","sentiment_score":0.17121579172089696},{"text":"Now when it comes to investments dropping in value, so for example, superannuation or any other assets that you've had, obviously, the last twelve months, I'm sure you've obviously seen and and heard on the news.","start":1250.02,"end":1263.575,"sentiment":"neutral","sentiment_score":-0.0339614623808302},{"text":"There's obviously been a bit of turbulence in the market.","start":1263.575,"end":1265.995,"sentiment":"neutral","sentiment_score":-0.2925239115953445},{"text":"Obviously, everything that's going on in The US with Trump and tariffs and everything saw a bit of fluctuations.","start":1266.44,"end":1272.22,"sentiment":"neutral","sentiment_score":-0.18193768866752325}],"sentiment":"neutral","sentiment_score":-0.059439677066487694,"num_words":82,"start":1243.78,"end":1272.22},{"sentences":[{"text":"And, obviously, more recently with the war as well, we have seen fluctuations in the market or even going back to COVID.","start":1272.28,"end":1278.78,"sentiment":"neutral","sentiment_score":-0.20813811367208307},{"text":"That was obviously quite a lot of fluctuation.","start":1279.0,"end":1281.02,"sentiment":"neutral","sentiment_score":-0.2914007902145386},{"text":"Now if you ever noticed your superannuation temporarily fall in value, how did that make you feel?","start":1282.035,"end":1290.135,"sentiment":"neutral","sentiment_score":-0.1789638242300819},{"text":"Would you say optimistic about potential investment opportunities, kind of a bit more neutral, not making further investments, or concerned or highly anxious?","start":1290.275,"end":1301.8201,"sentiment":"neutral","sentiment_score":0.007772821771061938},{"text":"Mhmm.","start":1306.12,"end":1306.62,"sentiment":"neutral","sentiment_score":0.029961323365569115}],"sentiment":"neutral","sentiment_score":-0.13723793817343008,"num_words":71,"start":1272.28,"end":1306.62},{"sentences":[{"text":"Yep.","start":1318.2151,"end":1318.7151,"sentiment":"neutral","sentiment_score":0.2567831873893738},{"text":"Perfect.","start":1319.0951,"end":1319.5951,"sentiment":"positive","sentiment_score":0.5507107973098755},{"text":"And the last one here is in regards to borrowing money.","start":1320.08,"end":1323.62,"sentiment":"neutral","sentiment_score":0.17545984279025684},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1323.84,"end":1328.9,"sentiment":"neutral","sentiment_score":0.11751851290464402},{"text":"Yep.","start":1332.735,"end":1333.235,"sentiment":"neutral","sentiment_score":0.11939221620559692}],"sentiment":"neutral","sentiment_score":0.1593007643161149,"num_words":29,"start":1318.2151,"end":1333.235},{"sentences":[{"text":"Yep.","start":1335.4551,"end":1335.855,"sentiment":"neutral","sentiment_score":0.11367811262607574},{"text":"Okay.","start":1335.855,"end":1336.3351,"sentiment":"neutral","sentiment_score":0.15727728605270386},{"text":"Perfect.","start":1336.3351,"end":1336.8351,"sentiment":"neutral","sentiment_score":0.32147741317749023},{"text":"Yep.","start":1337.775,"end":1338.275,"sentiment":"neutral","sentiment_score":0.19039320945739743},{"text":"Now that tells me here that you have come out as a high growth investor, which you could probably see, which is, like I said, the current portfolio we have you invested in.","start":1339.055,"end":1348.7899,"sentiment":"neutral","sentiment_score":0.22742717600230014}],"sentiment":"neutral","sentiment_score":0.22399791430782628,"num_words":37,"start":1335.4551,"end":1348.7899},{"sentences":[{"text":"Now do you remember what it means to be a high growth investor at all?","start":1349.4099,"end":1353.59,"sentiment":"neutral","sentiment_score":0.08048387517531713},{"text":"Yeah.","start":1358.225,"end":1358.5449,"sentiment":"neutral","sentiment_score":0.028005482628941536},{"text":"No.","start":1358.5449,"end":1358.7849,"sentiment":"neutral","sentiment_score":-0.0035166852176189423},{"text":"That's okay.","start":1358.7849,"end":1359.6849,"sentiment":"neutral","sentiment_score":0.042710648849606514},{"text":"Essentially, it tells me that you are looking at getting as much growth as you possibly can out of superannuation while you still have plenty of time until retirement.","start":1360.385,"end":1369.125,"sentiment":"neutral","sentiment_score":0.11837003559901796}],"sentiment":"neutral","sentiment_score":0.09895623448149611,"num_words":48,"start":1349.4099,"end":1369.125},{"sentences":[{"text":"But at the same time that you are comfortable seeing a bit of short term fluctuation in order to achieve that growth.","start":1369.9401,"end":1378.84,"sentiment":"neutral","sentiment_score":0.1365908980369568},{"text":"Now when we are also then looking at how the money's invested, we typically see 90% invested in what we would call your growth assets.","start":1379.38,"end":1390.215,"sentiment":"neutral","sentiment_score":0.1596405863761902},{"text":"So that's a combination of, like, Australian shares, international shares, as well as property as well.","start":1390.595,"end":1396.135,"sentiment":"neutral","sentiment_score":0.2319073500111699},{"text":"And that is ultimately what is going to maximize those return for you.","start":1396.675,"end":1400.455,"sentiment":"positive","sentiment_score":0.4072594940662384},{"text":"And then about 10% in defensive limit fluctuations a little bit, but the main focus is obviously growth.","start":1400.8099,"end":1408.65,"sentiment":"neutral","sentiment_score":0.059303297764725156}],"sentiment":"neutral","sentiment_score":0.18157834892577313,"num_words":94,"start":1369.9401,"end":1408.65},{"sentences":[{"text":"And those defensive would be a combination of, like, fixed interest, gold, and cash.","start":1408.65,"end":1413.5499,"sentiment":"neutral","sentiment_score":0.08704517409205437},{"text":"Does that all make sense?","start":1413.85,"end":1415.07,"sentiment":"neutral","sentiment_score":0.10628081113100052},{"text":"Yep.","start":1416.025,"end":1416.425,"sentiment":"neutral","sentiment_score":0.16846275329589844},{"text":"Perfect.","start":1416.425,"end":1416.8251,"sentiment":"positive","sentiment_score":0.5155580043792725},{"text":"And are you still comfortable with that high growth risk profile?","start":1416.8251,"end":1419.805,"sentiment":"neutral","sentiment_score":0.20551312240687283}],"sentiment":"neutral","sentiment_score":0.14670942490920424,"num_words":32,"start":1408.65,"end":1419.805},{"sentences":[{"text":"Yep.","start":1420.8251,"end":1421.3251,"sentiment":"neutral","sentiment_score":0.2309480607509613},{"text":"Yep.","start":1421.625,"end":1422.105,"sentiment":"positive","sentiment_score":0.34245118498802185},{"text":"Perfect.","start":1422.105,"end":1422.605,"sentiment":"positive","sentiment_score":0.5987639427185059},{"text":"And, also, when we are looking at, like, a time frame, so making sure you have enough time in the market for those short term fluctuations, High growth portfolio would typically want to see at least eight years till retirement, which you do have behind you.","start":1422.8251,"end":1435.86,"sentiment":"neutral","sentiment_score":0.32554483316514804},{"text":"So from a time frame point of view, it's a really good, position for you as well.","start":1435.86,"end":1440.76,"sentiment":"positive","sentiment_score":0.5564276558511397}],"sentiment":"positive","sentiment_score":0.38797720702308597,"num_words":66,"start":1420.8251,"end":1440.76},{"sentences":[{"text":"Perfect.","start":1442.605,"end":1443.105,"sentiment":"neutral","sentiment_score":0.298300564289093},{"text":"Now did you have access to your emails at the moment?","start":1443.245,"end":1446.625,"sentiment":"neutral","sentiment_score":0.10492854971777309},{"text":"Yep.","start":1448.2849,"end":1448.7849,"sentiment":"neutral","sentiment_score":0.0357254259288311},{"text":"Yeah.","start":1450.605,"end":1451.105,"sentiment":"neutral","sentiment_score":0.08650092780590057},{"text":"So what I have done is I have sent you an email with some documents.","start":1451.1649,"end":1455.825,"sentiment":"neutral","sentiment_score":0.10173565198977788}],"sentiment":"neutral","sentiment_score":0.10692330154365506,"num_words":29,"start":1442.605,"end":1455.825},{"sentences":[{"text":"Now I will go through them with you now over the phone, but if you don't have access to them right now, then I'm more than happy for you to just have, obviously, review over them later when you have a bit more time.","start":1456.5499,"end":1469.29,"sentiment":"neutral","sentiment_score":0.2659345256926661},{"text":"And if you then have any questions, you can always just give me a callback or send me an email.","start":1469.515,"end":1474.7949,"sentiment":"neutral","sentiment_score":0.23239251002669334},{"text":"Is that okay?","start":1474.7949,"end":1475.615,"sentiment":"neutral","sentiment_score":0.18803256750106812},{"text":"Yep.","start":1476.715,"end":1477.215,"sentiment":"neutral","sentiment_score":0.21806959807872772},{"text":"Perfect.","start":1477.355,"end":1477.855,"sentiment":"neutral","sentiment_score":0.28422749042510986}],"sentiment":"neutral","sentiment_score":0.2523965814785249,"num_words":69,"start":1456.5499,"end":1477.855},{"sentences":[{"text":"Now in the documents so we have also changed software a little bit.","start":1478.075,"end":1482.54,"sentiment":"neutral","sentiment_score":0.1053600746851701},{"text":"So it might look slightly different to what you are used to, but it's kind of the same concept where you can obviously access and sign it digitally.","start":1482.78,"end":1490.0,"sentiment":"neutral","sentiment_score":0.08516213750200612},{"text":"So when you get the email and have a look at the spam folder as well if it's the first time through this software.","start":1490.4601,"end":1495.92,"sentiment":"neutral","sentiment_score":0.10201122953246038},{"text":"But, basically, when you click on the email, it will say sign document.","start":1497.125,"end":1501.5449,"sentiment":"neutral","sentiment_score":0.09338665925539456},{"text":"You will just have to click on the link first, and that will open up all the documents for you to view.","start":1502.725,"end":1509.2849,"sentiment":"neutral","sentiment_score":0.15112993933937766}],"sentiment":"neutral","sentiment_score":0.1074137556552887,"num_words":100,"start":1478.075,"end":1509.2849},{"sentences":[{"text":"And it's only at the end, it will ask you to sign if you're happy to do so.","start":1509.2849,"end":1513.49,"sentiment":"neutral","sentiment_score":0.15682954051428372},{"text":"So clicking on the link doesn't automatically mean that you you have to sign right away.","start":1513.5499,"end":1518.2699,"sentiment":"neutral","sentiment_score":0.10428301384672523},{"text":"Does that make sense?","start":1518.2699,"end":1519.33,"sentiment":"neutral","sentiment_score":0.13434000685811043},{"text":"Yep.","start":1520.35,"end":1520.83,"sentiment":"neutral","sentiment_score":0.18614500761032104},{"text":"Perfect.","start":1520.83,"end":1521.33,"sentiment":"positive","sentiment_score":0.7189689874649048}],"sentiment":"neutral","sentiment_score":0.14834834933280944,"num_words":40,"start":1509.2849,"end":1521.33},{"sentences":[{"text":"Now what you will see is the first document is just a bit of a summary of your superannuation and your insurances.","start":1522.5099,"end":1531.255,"sentiment":"neutral","sentiment_score":0.21951697902245956},{"text":"So with your superannuation at the moment, you have it with hub twenty four, and you do have about a $120,711 in there.","start":1531.875,"end":1542.89,"sentiment":"neutral","sentiment_score":0.08566133548384128},{"text":"Now with your insurances as well, you do have a bit of insurance with TEL.","start":1544.71,"end":1552.09,"sentiment":"neutral","sentiment_score":0.08714423750837644},{"text":"Now for your life insurance, you have 2,320,000 763.","start":1553.005,"end":1562.785,"sentiment":"neutral","sentiment_score":0.08413728574911754},{"text":"For your total permanent disability insurance, you have 2,448,653.","start":1564.285,"end":1574.53,"sentiment":"neutral","sentiment_score":0.07396738313966328}],"sentiment":"neutral","sentiment_score":0.1221755107339376,"num_words":78,"start":1522.5099,"end":1574.53},{"sentences":[{"text":"This is all in the documents too, so you don't have to remember it because there's obviously a lot of numbers.","start":1574.53,"end":1579.43,"sentiment":"neutral","sentiment_score":0.11906923300453595},{"text":"Now with life and KPD, are you still happy with that level of cover that you are covered for, or what are your thoughts on how much cover you have in place?","start":1579.89,"end":1589.925,"sentiment":"neutral","sentiment_score":0.10691025899723172},{"text":"Yep.","start":1590.465,"end":1590.9451,"sentiment":"neutral","sentiment_score":0.09222101420164108},{"text":"Perfect.","start":1590.9451,"end":1591.4451,"sentiment":"positive","sentiment_score":0.4788614511489868},{"text":"Now next is obviously your income protection.","start":1594.3201,"end":1596.42,"sentiment":"neutral","sentiment_score":0.07021773659757205}],"sentiment":"neutral","sentiment_score":0.11264820649258551,"num_words":62,"start":1574.53,"end":1596.42},{"sentences":[{"text":"So with your income protection, it will pay you a monthly amount.","start":1597.04,"end":1601.22,"sentiment":"neutral","sentiment_score":0.09976697154343128},{"text":"Now at the moment, you are covered for $10,211 per month.","start":1601.6,"end":1607.295,"sentiment":"neutral","sentiment_score":0.07811422781510786},{"text":"So I did quickly just check while we were on the phone to see how that matches your new income, and it's pretty pretty split spot on.","start":1607.775,"end":1616.655,"sentiment":"neutral","sentiment_score":0.16361218028598362},{"text":"So on 70 percent max, it's about 10,500, so very similar, which is good.","start":1616.655,"end":1622.13,"sentiment":"neutral","sentiment_score":0.27994174297366825},{"text":"Because if there's a big discrepancy, then we might want to make adjustments so you're not paying too much for cover you can't claim or if you are significantly underinsured.","start":1622.21,"end":1632.31,"sentiment":"neutral","sentiment_score":-0.13682306371629238}],"sentiment":"neutral","sentiment_score":0.06689873959948407,"num_words":94,"start":1597.04,"end":1632.31},{"sentences":[{"text":"But it basically lines up, which is really good.","start":1632.61,"end":1635.165,"sentiment":"positive","sentiment_score":0.3390646038783921},{"text":"Now with your income protection as well, you do have a thirty day waiting period, which means you have to wait that thirty days before you can claim on it, and you have the benefit period all the way up to the age of 65.","start":1636.4451,"end":1648.605,"sentiment":"neutral","sentiment_score":0.22776706318060558},{"text":"So very comprehensive.","start":1648.605,"end":1649.5851,"sentiment":"positive","sentiment_score":0.5988291700681051},{"text":"Now all those three combined, you do get a 15% tax rebate, and that's about $4,280 after that rebate.","start":1650.7001,"end":1660.9601,"sentiment":"neutral","sentiment_score":0.2796546416847329},{"text":"Now you also have trauma insurance, which you pay for out of pocket, and that is covering you for a 127,890 if something were to happen.","start":1663.4349,"end":1675.695,"sentiment":"neutral","sentiment_score":0.08968295472172591}],"sentiment":"neutral","sentiment_score":0.2229684490491362,"num_words":102,"start":1632.61,"end":1675.695},{"sentences":[{"text":"And the monthly premium is about $60.60 per month.","start":1676.49,"end":1681.23,"sentiment":"neutral","sentiment_score":0.04075327391425768},{"text":"Yep.","start":1683.13,"end":1683.63,"sentiment":"neutral","sentiment_score":0.06996779888868332},{"text":"Any questions with your insurances?","start":1683.77,"end":1685.55,"sentiment":"neutral","sentiment_score":0.05772044435143471},{"text":"Yep.","start":1688.17,"end":1688.595,"sentiment":"neutral","sentiment_score":0.3059355914592743},{"text":"Perfect.","start":1688.835,"end":1689.335,"sentiment":"positive","sentiment_score":0.6232389211654663}],"sentiment":"neutral","sentiment_score":0.09732494108817157,"num_words":17,"start":1676.49,"end":1689.335},{"sentences":[{"text":"Now the next document you will see, it is a performance report.","start":1689.715,"end":1694.9349,"sentiment":"neutral","sentiment_score":0.2833585813641548},{"text":"Now it basically gives you a bit of a snapshot over your portfolio net of fees over the last twelve months.","start":1695.315,"end":1703.895,"sentiment":"neutral","sentiment_score":0.1568687203384581},{"text":"Now it breaks down all your individual investments, how they have performed, how much you have in each option.","start":1704.76,"end":1712.54,"sentiment":"neutral","sentiment_score":0.09293583545245622},{"text":"Now I kind of touched on earlier that, obviously, the market have seen a bit of turbulence in the last twelve months, especially, obviously, being in a high growth portfolio, you can see a little bit of more of those fluctuations.","start":1713.0,"end":1724.565,"sentiment":"neutral","sentiment_score":-0.09276297370471605},{"text":"But in saying that, though, overall, your portfolio has done pretty good considering the market fluctuations.","start":1725.105,"end":1732.005,"sentiment":"neutral","sentiment_score":0.3251709030009806}],"sentiment":"neutral","sentiment_score":0.09045669268987594,"num_words":109,"start":1689.715,"end":1732.005},{"sentences":[{"text":"So in the last twelve months, it's still net of fees.","start":1732.8201,"end":1736.8201,"sentiment":"positive","sentiment_score":0.3454218317161907},{"text":"It's still up by 8.45%, which we're actually quite happy with.","start":1736.8201,"end":1741.8,"sentiment":"positive","sentiment_score":0.5824658274650574},{"text":"Now there is one investment that I would like to look at changing for you if you are happy to do so, and that is your Benelong Australian Equity Fund.","start":1742.74,"end":1755.645,"sentiment":"neutral","sentiment_score":0.1318528473377228},{"text":"Now when you have a look at the performance report, on the second column to the right, it actually shows you all of your investments and how they have performed.","start":1755.8651,"end":1766.79,"sentiment":"neutral","sentiment_score":0.06696005798876285},{"text":"Some of them have been absolutely crazy, especially your global ex battery tech and lithium.","start":1767.25,"end":1772.0701,"sentiment":"neutral","sentiment_score":-0.050138961523771286}],"sentiment":"neutral","sentiment_score":0.15895945348383225,"num_words":97,"start":1732.8201,"end":1772.0701},{"sentences":[{"text":"Obviously, a lot of fuel prices, electric vehicles kind of shot through the roof.","start":1772.715,"end":1777.695,"sentiment":"neutral","sentiment_score":-0.21925045336995805},{"text":"Sorry.","start":1777.9149,"end":1778.315,"sentiment":"neutral","sentiment_score":-0.1106358841061592},{"text":"That one has gone up about 71%, which is pretty crazy.","start":1778.315,"end":1781.9349,"sentiment":"neutral","sentiment_score":-0.11513509940017354},{"text":"So there is one investment that is underperforming at the moment, which is your Bennelong Australian Equity.","start":1782.395,"end":1788.91,"sentiment":"neutral","sentiment_score":-0.0403250685399946},{"text":"Now, Indi, are you quite familiar with a different type of investments, like a direct share managed funds ETF?","start":1790.25,"end":1796.75,"sentiment":"neutral","sentiment_score":0.0050124313290181915}],"sentiment":"neutral","sentiment_score":-0.08124061765509748,"num_words":62,"start":1772.715,"end":1796.75},{"sentences":[{"text":"Yeah.","start":1799.2251,"end":1799.545,"sentiment":"neutral","sentiment_score":0.0924193635582924},{"text":"Okay.","start":1799.545,"end":1799.9451,"sentiment":"neutral","sentiment_score":0.17220275104045868},{"text":"Perfect.","start":1799.9451,"end":1800.4451,"sentiment":"positive","sentiment_score":0.3386998176574707},{"text":"So Bennelong is your managed fund.","start":1800.5851,"end":1802.985,"sentiment":"neutral","sentiment_score":0.21386937548716864},{"text":"It's the the only managed fund you have in there.","start":1802.985,"end":1804.8251,"sentiment":"neutral","sentiment_score":0.1883345864713192}],"sentiment":"neutral","sentiment_score":0.19841494999433817,"num_words":19,"start":1799.2251,"end":1804.8251},{"sentences":[{"text":"So, obviously, the function of that one is to actively buy and sell different investments in order to try to outperform the market.","start":1804.8251,"end":1811.405,"sentiment":"neutral","sentiment_score":0.16636857293222262},{"text":"Now they have been very successful in doing so, which is why it was originally added to your portfolio.","start":1811.82,"end":1817.36,"sentiment":"positive","sentiment_score":0.4706593853862662},{"text":"But at the same time, kind of like you touched on as well, we also want to be proactive with your investment.","start":1817.8999,"end":1823.12,"sentiment":"neutral","sentiment_score":0.2669340961358764},{"text":"And if we do a lot of research on your investments and we just see one underperforming a little bit, and we don't believe it's necessarily going to be the best option moving forward, we want to be proactive.","start":1823.765,"end":1835.4651,"sentiment":"neutral","sentiment_score":-0.007082382646890787},{"text":"So the investment committee have done a lot of research on the investment and have found another option to swap it for if you are happy with that.","start":1836.58,"end":1847.2999,"sentiment":"neutral","sentiment_score":0.12275631166994572}],"sentiment":"neutral","sentiment_score":0.16643144594121526,"num_words":131,"start":1804.8251,"end":1847.2999},{"sentences":[{"text":"So, basically, what it is is then swapping Benelon.","start":1847.2999,"end":1850.6799,"sentiment":"neutral","sentiment_score":0.12568048470550114},{"text":"Because it invests in Australian market, we wanna still make sure you have some exposure to the Australian market.","start":1851.3049,"end":1857.245,"sentiment":"neutral","sentiment_score":0.10713514254281395},{"text":"So they were looking at another option that was basically giving you that exposure, but was performing a little bit better and a little bit cheaper as well.","start":1857.385,"end":1867.22,"sentiment":"neutral","sentiment_score":0.14134725076811655},{"text":"So the one that they found to be more a little bit better was called your beta shares eight two hundred.","start":1867.22,"end":1875.32,"sentiment":"neutral","sentiment_score":0.06318121678417637},{"text":"I never heard of that one.","start":1876.74,"end":1877.955,"sentiment":"neutral","sentiment_score":-0.03610520530492067}],"sentiment":"neutral","sentiment_score":0.09921192063624601,"num_words":83,"start":1847.2999,"end":1877.955},{"sentences":[{"text":"It was called no.","start":1878.995,"end":1881.3949,"sentiment":"neutral","sentiment_score":-0.029979725368320942},{"text":"That's okay.","start":1881.3949,"end":1882.215,"sentiment":"neutral","sentiment_score":-0.0036948751658201218},{"text":"A beta shares.","start":1882.355,"end":1883.975,"sentiment":"neutral","sentiment_score":0.005388920505841573},{"text":"A beta.","start":1886.2749,"end":1887.095,"sentiment":"neutral","sentiment_score":0.011432489845901728},{"text":"So, like, alpha beta.","start":1887.5549,"end":1889.095,"sentiment":"neutral","sentiment_score":0.016517555341124535}],"sentiment":"neutral","sentiment_score":-0.0014804459487398466,"num_words":15,"start":1878.995,"end":1889.095},{"sentences":[{"text":"Yep.","start":1889.235,"end":1889.715,"sentiment":"neutral","sentiment_score":0.03150589391589165},{"text":"Beta shares.","start":1889.715,"end":1890.7749,"sentiment":"neutral","sentiment_score":0.022924880497157574},{"text":"Yep.","start":1890.835,"end":1891.26,"sentiment":"neutral","sentiment_score":0.025291021913290024},{"text":"A 200.","start":1892.46,"end":1893.76,"sentiment":"neutral","sentiment_score":0.022377409040927887},{"text":"So what that is correct.","start":1894.22,"end":1897.74,"sentiment":"neutral","sentiment_score":0.029102026484906673}],"sentiment":"neutral","sentiment_score":0.02662832975726236,"num_words":11,"start":1889.235,"end":1897.74},{"sentences":[{"text":"So which is why it's a little bit cheaper.","start":1897.74,"end":1899.92,"sentiment":"neutral","sentiment_score":0.09043191290564007},{"text":"So what it is is obviously investing in the a 200.","start":1900.54,"end":1904.855,"sentiment":"neutral","sentiment_score":0.0755245800722729},{"text":"So the 200 largest companies listed on the ASX.","start":1904.855,"end":1907.835,"sentiment":"neutral","sentiment_score":0.09576314439376195},{"text":"Obviously, very diversified for you.","start":1908.455,"end":1910.715,"sentiment":"neutral","sentiment_score":0.20099455416202544},{"text":"Because you don't have that same kind of active buying and selling, you you can see, obviously, a little bit more less volatility as a result.","start":1911.095,"end":1920.74,"sentiment":"neutral","sentiment_score":0.1264119939162181}],"sentiment":"neutral","sentiment_score":0.11330350848535696,"num_words":60,"start":1897.74,"end":1920.74},{"sentences":[{"text":"And with the active management, if they are outperforming, then it's it's worth potentially spending a little bit more for the active management.","start":1921.2799,"end":1928.98,"sentiment":"neutral","sentiment_score":0.06754508565949358},{"text":"But if they're underperforming in regards through, you know, ETF and index, then you don't wanna necessarily pay more for it if they're not then outperforming those a little bit more passive investment.","start":1929.2,"end":1939.3251,"sentiment":"neutral","sentiment_score":-0.01669571767420028},{"text":"Does that make sense so far?","start":1940.1051,"end":1941.645,"sentiment":"neutral","sentiment_score":0.10954459384083748},{"text":"Yep.","start":1943.0651,"end":1943.385,"sentiment":"neutral","sentiment_score":0.19987714290618896},{"text":"Yep.","start":1943.385,"end":1943.885,"sentiment":"neutral","sentiment_score":0.18079447746276855}],"sentiment":"neutral","sentiment_score":0.031883085473964456,"num_words":64,"start":1921.2799,"end":1943.885},{"sentences":[{"text":"So, basically, the yeah.","start":1944.025,"end":1945.145,"sentiment":"neutral","sentiment_score":0.1718771941959858},{"text":"And the investment committee, committee, and we've done a little research on it.","start":1945.145,"end":1948.49,"sentiment":"neutral","sentiment_score":0.14386418691048256},{"text":"So we would like to look at changing your straight over through a 200 if that is something that you are happy with.","start":1948.49,"end":1956.67,"sentiment":"neutral","sentiment_score":0.3149317885222642},{"text":"It will be transferring cost to the other, but what I will do before is I want to check the transaction fee.","start":1964.425,"end":1972.53,"sentiment":"neutral","sentiment_score":0.01204815786331892},{"text":"So because Bennelong is down at the moment, there shouldn't be any capital gains tax associated with the change.","start":1972.85,"end":1980.7101,"sentiment":"neutral","sentiment_score":0.017117336661996024}],"sentiment":"neutral","sentiment_score":0.12828966928645968,"num_words":81,"start":1944.025,"end":1980.7101},{"sentences":[{"text":"But when I do up the record of advice, it's called, You don't have to sign it, but I'm happy to email it to you first and for you to respond to the email to say that you are happy to proceed before I go ahead with it.","start":1981.17,"end":1995.9451,"sentiment":"positive","sentiment_score":0.40259391845514375},{"text":"It will show you, yeah, it will show you the transaction fees.","start":1996.165,"end":2001.4,"sentiment":"neutral","sentiment_score":0.11099699698388577},{"text":"Usually, it's between depending on, obviously, how much it's usually between, like, 10 and maybe $12 in transaction fees to make the trade, but it will be outlined in that record of advice for you.","start":2001.4,"end":2016.155,"sentiment":"neutral","sentiment_score":0.07334070503711701},{"text":"And I will hold off until you've reviewed it and responded via email, if that's okay, or you can call me before we were through to change it just to make sure you are happy with it.","start":2016.155,"end":2027.86,"sentiment":"neutral","sentiment_score":0.09192803230237316},{"text":"And then you can look into it as well.","start":2027.86,"end":2029.88,"sentiment":"neutral","sentiment_score":0.10879271146323946}],"sentiment":"neutral","sentiment_score":0.1957721157752453,"num_words":141,"start":1981.17,"end":2029.88},{"sentences":[{"text":"Correct.","start":2036.595,"end":2037.095,"sentiment":"neutral","sentiment_score":0.0820716917514801},{"text":"Yes.","start":2037.155,"end":2037.395,"sentiment":"neutral","sentiment_score":0.0908145010471344},{"text":"So it'd be about 12 dollars or something like that.","start":2037.395,"end":2039.875,"sentiment":"neutral","sentiment_score":0.054778214916586875},{"text":"Yeah.","start":2039.875,"end":2040.375,"sentiment":"neutral","sentiment_score":0.18140432238578796},{"text":"Yes.","start":2042.435,"end":2042.935,"sentiment":"neutral","sentiment_score":0.15918007493019104}],"sentiment":"neutral","sentiment_score":0.0758037670914616,"num_words":14,"start":2036.595,"end":2042.935},{"sentences":[{"text":"Would you if it's around the $12 or less, would you happy for me to just action it, or do you still wanna review it first?","start":2044.275,"end":2052.3198,"sentiment":"neutral","sentiment_score":0.1418224532300463},{"text":"No.","start":2053.18,"end":2053.3398,"sentiment":"neutral","sentiment_score":-0.15382622182369232},{"text":"Okay.","start":2053.3398,"end":2053.8398,"sentiment":"neutral","sentiment_score":-0.036837197840213776},{"text":"Yep.","start":2054.22,"end":2054.6199,"sentiment":"neutral","sentiment_score":0.24672076106071472},{"text":"Perfect.","start":2054.6199,"end":2055.02,"sentiment":"positive","sentiment_score":0.39632341265678406}],"sentiment":"neutral","sentiment_score":0.13799215126782655,"num_words":30,"start":2044.275,"end":2055.02},{"sentences":[{"text":"If there's anything changes, though, I will hold off.","start":2055.02,"end":2057.02,"sentiment":"neutral","sentiment_score":-0.036290869737664856},{"text":"But, typically, the ones of course.","start":2057.02,"end":2064.2551,"sentiment":"neutral","sentiment_score":0.060350889960924796},{"text":"And if it was going to cost you a significant amount, then we wouldn't potentially look to do this change for you anyway because we wanna make sure it's obviously in your best interest.","start":2064.475,"end":2072.0151,"sentiment":"neutral","sentiment_score":0.01530699892079129},{"text":"So having a look at it, it shouldn't be it should be, like, yeah, around $12 for the trade.","start":2072.3152,"end":2079.01,"sentiment":"neutral","sentiment_score":0.03583244449998203},{"text":"I will send it to you.","start":2079.23,"end":2080.59,"sentiment":"neutral","sentiment_score":0.0604795136799415}],"sentiment":"neutral","sentiment_score":0.021616473013686167,"num_words":74,"start":2055.02,"end":2080.59},{"sentences":[{"text":"If it's around that figure, I will proceed with it.","start":2080.59,"end":2083.65,"sentiment":"neutral","sentiment_score":0.028233093954622746},{"text":"If it's a lot higher, which I doubt, I will give you a call and send it to you just to triple check it first.","start":2083.79,"end":2089.57,"sentiment":"neutral","sentiment_score":-0.05645673900842667},{"text":"Yep.","start":2091.545,"end":2091.7048,"sentiment":"neutral","sentiment_score":0.17831158638000488},{"text":"No problem.","start":2091.7048,"end":2092.525,"sentiment":"neutral","sentiment_score":0.24389629065990448},{"text":"Now what you will also have in those documents is just the Vanguard index tab.","start":2093.545,"end":2097.785,"sentiment":"neutral","sentiment_score":0.15427802900473278}],"sentiment":"neutral","sentiment_score":0.03492805786993144,"num_words":53,"start":2080.59,"end":2097.785},{"sentences":[{"text":"Seems like you're pretty familiar with the market, which is good, but that one is just there as a visual representation just to kind of show you the market fluctuations and how the market moves.","start":2097.785,"end":2108.7202,"sentiment":"neutral","sentiment_score":0.21661997267178126},{"text":"Now you will also have your child certificate of currency.","start":2110.62,"end":2113.6,"sentiment":"neutral","sentiment_score":0.1375079058110714},{"text":"Again, just breaks down your insurances in a bit more detail, but lets you know that's all paid and up to date.","start":2113.9802,"end":2119.6,"sentiment":"neutral","sentiment_score":0.1649181040173227},{"text":"You will also have the OQ services guide.","start":2120.655,"end":2123.215,"sentiment":"neutral","sentiment_score":0.16604645363986492},{"text":"Again, you would have seen this a couple of times.","start":2123.215,"end":2125.055,"sentiment":"neutral","sentiment_score":0.15776749327778816}],"sentiment":"neutral","sentiment_score":0.18224732884589365,"num_words":85,"start":2097.785,"end":2125.055},{"sentences":[{"text":"It is one of those compliance documents, but it is it is good because it gives you all the important information in regards to us here at OQ Financial.","start":2125.055,"end":2133.795,"sentiment":"positive","sentiment_score":0.33433336533349134},{"text":"If you do have a bit of a read over it, you will also see we've had a bit of an extension to the team, which is good, and also some updated marketing.","start":2134.52,"end":2142.94,"sentiment":"neutral","sentiment_score":0.2417096129872582},{"text":"If you have it, scroll through it.","start":2143.24,"end":2144.76,"sentiment":"neutral","sentiment_score":0.135445807661329},{"text":"You can also find myself on page 10, I believe, if you do wanna put a face to the voice.","start":2144.76,"end":2150.405,"sentiment":"neutral","sentiment_score":0.12813108339905738},{"text":"Yep.","start":2151.985,"end":2152.485,"sentiment":"neutral","sentiment_score":0.13997036218643188}],"sentiment":"neutral","sentiment_score":0.23691997230052947,"num_words":90,"start":2125.055,"end":2152.485},{"sentences":[{"text":"Now the last two documents, now these are the ones it will ask you to sign if you are happy to do so.","start":2152.705,"end":2158.725,"sentiment":"neutral","sentiment_score":0.17141198140123617},{"text":"One is a tax file number form.","start":2159.2651,"end":2162.3052,"sentiment":"neutral","sentiment_score":0.14024222855057036},{"text":"It is just a compliance form to say we are keeping your tax file number secure and safe on file.","start":2162.3052,"end":2167.9702,"sentiment":"neutral","sentiment_score":0.23465230092406272},{"text":"And the last one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":2168.6702,"end":2176.77,"sentiment":"positive","sentiment_score":0.7279861795902253},{"text":"Now indeed, there is no changes in regards to the fee structure.","start":2177.3901,"end":2182.045,"sentiment":"neutral","sentiment_score":0.10836969967931509}],"sentiment":"positive","sentiment_score":0.33468170202840336,"num_words":87,"start":2152.705,"end":2182.045},{"sentences":[{"text":"So we haven't increased it or anything.","start":2182.4248,"end":2184.1848,"sentiment":"neutral","sentiment_score":0.14723873670612062},{"text":"It stays exactly the same at 1.65 from super.","start":2184.1848,"end":2188.2048,"sentiment":"positive","sentiment_score":0.38904308610492283},{"text":"So no changes in regards to it.","start":2188.585,"end":2190.9248,"sentiment":"neutral","sentiment_score":0.10074752569198608},{"text":"And there is also, same as last time, it is not a lock in contract.","start":2191.065,"end":2195.085,"sentiment":"neutral","sentiment_score":0.053708451737960176},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":2195.82,"end":2200.8,"sentiment":"neutral","sentiment_score":-0.047240912086433835}],"sentiment":"neutral","sentiment_score":0.09272467804008297,"num_words":56,"start":2182.4248,"end":2200.8},{"sentences":[{"text":"But by signing it, it basically allows us to manage all your investments and everything for you in the meantime.","start":2201.34,"end":2208.1602,"sentiment":"positive","sentiment_score":0.48620957881212234},{"text":"Do you have any questions in regards to any of those documents so far?","start":2210.5151,"end":2214.215,"sentiment":"neutral","sentiment_score":0.0471507886956845},{"text":"Let me have a look here.","start":2222.3699,"end":2223.73,"sentiment":"neutral","sentiment_score":0.018767534444729488},{"text":"I think you sent one you signed one I think it was a little bit over six months ago, but I think we were running a little bit behind on the annual reviews because, obviously, the flood and everything we had up in Queensland.","start":2223.73,"end":2240.455,"sentiment":"neutral","sentiment_score":-0.10398152216591618},{"text":"So we're now kind of going back into that twelve month rotation for you.","start":2241.155,"end":2245.2551,"sentiment":"neutral","sentiment_score":-0.03617050339068685}],"sentiment":"neutral","sentiment_score":0.05525850818245387,"num_words":98,"start":2201.34,"end":2245.2551},{"sentences":[{"text":"So if you sign, obviously, this new one, it will just cancel out the the the old one, and it will just stay for the next twelve months.","start":2245.45,"end":2252.57,"sentiment":"neutral","sentiment_score":-0.03551302211625235},{"text":"So it's not like you are double double handling or anything like that.","start":2252.57,"end":2256.01,"sentiment":"neutral","sentiment_score":-0.06054838426196231},{"text":"It's just one replaces the other, essentially.","start":2256.01,"end":2258.25,"sentiment":"neutral","sentiment_score":0.020558253728917668},{"text":"But that's a very good question.","start":2258.25,"end":2259.55,"sentiment":"neutral","sentiment_score":0.08893610443919897},{"text":"But, again, not a lock in contract.","start":2261.375,"end":2263.235,"sentiment":"neutral","sentiment_score":-0.008771659008094243}],"sentiment":"neutral","sentiment_score":-0.019104439753764232,"num_words":61,"start":2245.45,"end":2263.235},{"sentences":[{"text":"But that is essentially all the documents from from my end.","start":2263.615,"end":2267.315,"sentiment":"neutral","sentiment_score":0.1180467510765249},{"text":"So when you have a moment, have a read through them.","start":2267.455,"end":2270.175,"sentiment":"neutral","sentiment_score":0.17825495451688766},{"text":"If you have any questions, let me know.","start":2270.175,"end":2272.195,"sentiment":"neutral","sentiment_score":0.1705674696713686},{"text":"If not, I will just ask you to sign those through through documents there, which should have a signature attached to make it nice and easy.","start":2272.415,"end":2279.3198,"sentiment":"neutral","sentiment_score":0.3025873016852599},{"text":"Any questions, though, let me know.","start":2279.7,"end":2281.96,"sentiment":"neutral","sentiment_score":0.12399129817883174}],"sentiment":"neutral","sentiment_score":0.2134689701901328,"num_words":62,"start":2263.615,"end":2281.96},{"sentences":[{"text":"I will also do that record of advice and send it through to you.","start":2282.3398,"end":2286.2798,"sentiment":"neutral","sentiment_score":0.23001874131815775},{"text":"And like I said, if it's around the $12 or so, I will just tell the investment team to go ahead and make that change.","start":2286.3398,"end":2292.785,"sentiment":"neutral","sentiment_score":0.1186101758480072},{"text":"If there's anything if it if it's very different to what I've told you, I will email it regardless that'll call you just to make sure before we make any changes.","start":2293.165,"end":2301.825,"sentiment":"neutral","sentiment_score":-0.08960700744102078},{"text":"Now the other thing is then, obviously, your your personal investments.","start":2303.97,"end":2307.35,"sentiment":"neutral","sentiment_score":0.05657839131626216},{"text":"So when would you like to look to have that conversation?","start":2307.8901,"end":2313.59,"sentiment":"neutral","sentiment_score":0.04949449476870624}],"sentiment":"neutral","sentiment_score":0.04972284011866735,"num_words":92,"start":2282.3398,"end":2313.59},{"sentences":[{"text":"So it probably will take maybe about half hour or so for for the conversation.","start":2320.765,"end":2327.88,"sentiment":"neutral","sentiment_score":0.005263142287731171},{"text":"And then following that conversation, I will go and do, you know, different research and stuff for different investment options for you.","start":2328.58,"end":2335.88,"sentiment":"neutral","sentiment_score":0.1414902772415768},{"text":"I don't work Fridays, unfortunately.","start":2343.315,"end":2345.1748,"sentiment":"neutral","sentiment_score":-0.17309813797473908},{"text":"So Monday to Thursday.","start":2348.755,"end":2351.4148,"sentiment":"neutral","sentiment_score":0.02830713475123048},{"text":"Thursdays, I work late nights as well, so I can accommodate later appointments.","start":2351.4749,"end":2356.06,"sentiment":"neutral","sentiment_score":0.09569782505814846}],"sentiment":"neutral","sentiment_score":0.06243292895792905,"num_words":59,"start":2320.765,"end":2356.06},{"sentences":[{"text":"Yes.","start":2362.84,"end":2363.34,"sentiment":"neutral","sentiment_score":0.04422301799058914},{"text":"So the latest appointment I can do on a Thursday would be 05:30 my time, which would obviously be two hours earlier for you.","start":2364.52,"end":2379.355,"sentiment":"neutral","sentiment_score":0.04409508523531258},{"text":"So that will be three thirty.","start":2379.355,"end":2381.455,"sentiment":"neutral","sentiment_score":0.048116218919555344},{"text":"That's fine?","start":2382.42,"end":2383.14,"sentiment":"neutral","sentiment_score":0.21262338757514954},{"text":"Okay.","start":2383.14,"end":2383.64,"sentiment":"neutral","sentiment_score":0.21151253581047055}],"sentiment":"neutral","sentiment_score":0.05964593200341744,"num_words":34,"start":2362.84,"end":2383.64},{"sentences":[{"text":"Now let me have a look here because they do book out the quickest.","start":2383.8599,"end":2387.48,"sentiment":"neutral","sentiment_score":0.30088565392153604},{"text":"Let me see.","start":2387.7,"end":2388.42,"sentiment":"neutral","sentiment_score":0.20954031745592752},{"text":"I could do Thursday, July 23.","start":2388.42,"end":2393.2402,"sentiment":"neutral","sentiment_score":0.2007110913594564},{"text":"That's in two weeks' time at that 03:30 mark.","start":2393.3,"end":2397.2952,"sentiment":"neutral","sentiment_score":0.21653455826971266},{"text":"Would that be okay with you?","start":2397.2952,"end":2398.835,"sentiment":"neutral","sentiment_score":0.23671037952105203}],"sentiment":"neutral","sentiment_score":0.24774631465736188,"num_words":38,"start":2383.8599,"end":2398.835},{"sentences":[{"text":"Yes.","start":2400.335,"end":2400.8152,"sentiment":"neutral","sentiment_score":0.15105512738227844},{"text":"Okay.","start":2400.8152,"end":2401.3152,"sentiment":"neutral","sentiment_score":0.19941794872283936},{"text":"Yes.","start":2402.735,"end":2403.235,"sentiment":"positive","sentiment_score":0.3343795835971832},{"text":"Yes.","start":2405.2952,"end":2405.7751,"sentiment":"positive","sentiment_score":0.4931255578994751},{"text":"Perfect.","start":2405.7751,"end":2406.2551,"sentiment":"positive","sentiment_score":0.6990313529968262}],"sentiment":"positive","sentiment_score":0.37540191411972046,"num_words":5,"start":2400.335,"end":2406.2551},{"sentences":[{"text":"So I'll book that in on Thursday, the twenty third.","start":2406.2551,"end":2409.395,"sentiment":"positive","sentiment_score":0.36490563452243807},{"text":"That will be 03:30 your time.","start":2409.63,"end":2412.5298,"sentiment":"neutral","sentiment_score":0.2724054530262947},{"text":"I will get the team to send you a text reminder on the Monday.","start":2412.8298,"end":2416.45,"sentiment":"neutral","sentiment_score":0.28080194869211744},{"text":"And if anything does change and you can't make it, just let me know because we can always just reschedule and change it.","start":2417.5498,"end":2424.2898,"sentiment":"neutral","sentiment_score":-0.06534352801416231},{"text":"Yep.","start":2425.865,"end":2426.345,"sentiment":"positive","sentiment_score":0.4576096534729004}],"sentiment":"neutral","sentiment_score":0.15128564544849926,"num_words":54,"start":2406.2551,"end":2426.345},{"sentences":[{"text":"Perfect.","start":2426.345,"end":2426.845,"sentiment":"positive","sentiment_score":0.7639615535736084},{"text":"Now do you have any questions before I let you go and enjoy the rest of your afternoon otherwise?","start":2426.905,"end":2431.4849,"sentiment":"positive","sentiment_score":0.5089323740256461},{"text":"Mhmm.","start":2434.425,"end":2434.925,"sentiment":"neutral","sentiment_score":-0.005481981672346592},{"text":"What do you mean?","start":2440.4402,"end":2441.4202,"sentiment":"neutral","sentiment_score":-0.014037989079952238},{"text":"If it's always up twenty four?","start":2441.56,"end":2443.26,"sentiment":"neutral","sentiment_score":-0.009429111145436764}],"sentiment":"neutral","sentiment_score":0.3327570340385841,"num_words":31,"start":2426.345,"end":2443.26},{"sentences":[{"text":"Not always because it's very tailored and specific through to each client.","start":2445.9602,"end":2449.7952,"sentiment":"neutral","sentiment_score":-0.02902573471268018},{"text":"So we look and do research on all super funds all the time to make sure that is still the best option.","start":2449.7952,"end":2456.135,"sentiment":"neutral","sentiment_score":0.041292268613522705},{"text":"Now, yes.","start":2456.5151,"end":2464.15,"sentiment":"neutral","sentiment_score":-0.023731769993901253},{"text":"Correct.","start":2464.69,"end":2465.19,"sentiment":"neutral","sentiment_score":0.007644687779247761},{"text":"Yes.","start":2465.49,"end":2465.99,"sentiment":"neutral","sentiment_score":0.025302007794380188}],"sentiment":"neutral","sentiment_score":0.014358006540293755,"num_words":38,"start":2445.9602,"end":2465.99},{"sentences":[{"text":"Yes.","start":2466.3699,"end":2466.8699,"sentiment":"neutral","sentiment_score":0.04308803379535675},{"text":"Yes.","start":2467.57,"end":2468.07,"sentiment":"neutral","sentiment_score":0.03788650780916214},{"text":"Yes.","start":2476.625,"end":2477.125,"sentiment":"neutral","sentiment_score":0.12746591866016388},{"text":"Yes.","start":2480.225,"end":2480.725,"sentiment":"neutral","sentiment_score":0.033018797636032104},{"text":"So do you have a a paper or a or a pen or notes on your phone?","start":2481.0251,"end":2485.905,"sentiment":"neutral","sentiment_score":0.02138457463725525}],"sentiment":"neutral","sentiment_score":0.028809382225431147,"num_words":21,"start":2466.3699,"end":2485.905},{"sentences":[{"text":"Okay.","start":2485.905,"end":2486.405,"sentiment":"neutral","sentiment_score":0.06571018695831299},{"text":"So, yep, so with login, it's it's it's quite easy.","start":2486.865,"end":2493.63,"sentiment":"neutral","sentiment_score":0.21341751217842103},{"text":"I use 24 for my personal super as well.","start":2493.63,"end":2496.69,"sentiment":"neutral","sentiment_score":0.1799175093571345},{"text":"So what you need is a login ID.","start":2497.63,"end":2500.8499,"sentiment":"neutral","sentiment_score":0.059489397797733545},{"text":"So I will read out this number when you are ready.","start":2501.375,"end":2503.795,"sentiment":"neutral","sentiment_score":0.06471798365766351}],"sentiment":"neutral","sentiment_score":0.12838348450186926,"num_words":39,"start":2485.905,"end":2503.795},{"sentences":[{"text":"Yep.","start":2505.615,"end":2506.095,"sentiment":"neutral","sentiment_score":0.03368891775608063},{"text":"So it's 1 37047 85.","start":2506.095,"end":2517.5,"sentiment":"neutral","sentiment_score":0.02818692699074745},{"text":"So that is your login ID.","start":2520.1199,"end":2521.64,"sentiment":"neutral","sentiment_score":0.02799933807303508},{"text":"So when you do you have the app on your phone usually, or do you go on the computer?","start":2521.64,"end":2526.14,"sentiment":"neutral","sentiment_score":0.013921198141025869},{"text":"Okay.","start":2529.705,"end":2530.205,"sentiment":"neutral","sentiment_score":-0.04569930210709572}],"sentiment":"neutral","sentiment_score":0.017544470116263255,"num_words":32,"start":2505.615,"end":2530.205},{"sentences":[{"text":"Yeah.","start":2532.425,"end":2532.825,"sentiment":"neutral","sentiment_score":-0.004385324195027351},{"text":"But when you go like, if you go and redownload the app, it will ask for your login ID and password.","start":2532.825,"end":2537.4849,"sentiment":"neutral","sentiment_score":-0.02895390907568591},{"text":"Login ID is what I just told you.","start":2537.785,"end":2540.045,"sentiment":"neutral","sentiment_score":-0.11081885057501495},{"text":"Password, if, obviously, you don't know, you can just do reset password.","start":2540.55,"end":2544.1702,"sentiment":"neutral","sentiment_score":-0.0887932733943065},{"text":"And then you can just go through the security process of, obviously, resetting that.","start":2545.03,"end":2549.4302,"sentiment":"neutral","sentiment_score":-0.021985627178634917}],"sentiment":"neutral","sentiment_score":-0.05129082643959139,"num_words":56,"start":2532.425,"end":2549.4302},{"sentences":[{"text":"Yeah.","start":2549.4302,"end":2549.9302,"sentiment":"neutral","sentiment_score":0.053130727261304855},{"text":"But if you do have any issues, just call the office, and and we can kinda guide you.","start":2551.35,"end":2555.9548,"sentiment":"neutral","sentiment_score":0.10320188374155098},{"text":"But, yeah, login ID is what you need.","start":2555.9548,"end":2557.815,"sentiment":"neutral","sentiment_score":0.18741350434720516},{"text":"Yep.","start":2559.555,"end":2560.055,"sentiment":"positive","sentiment_score":0.3538653254508972},{"text":"No problem.","start":2560.1948,"end":2561.015,"sentiment":"positive","sentiment_score":0.3745996356010437}],"sentiment":"neutral","sentiment_score":0.15043790886799494,"num_words":30,"start":2549.4302,"end":2561.015},{"sentences":[{"text":"Well, otherwise, I look forward to speaking with you in about two weeks' time.","start":2561.635,"end":2567.015,"sentiment":"positive","sentiment_score":0.4220304297549384},{"text":"Have a look through those documents when you have a moment, and keep a lookout for that email.","start":2567.54,"end":2571.24,"sentiment":"neutral","sentiment_score":0.24639362924628788},{"text":"But, otherwise, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, the twenty third.","start":2571.46,"end":2577.993,"sentiment":"positive","sentiment_score":0.5331127007181445},{"text":"No worries.","start":2579.9128,"end":2580.473,"sentiment":"neutral","sentiment_score":0.22593386471271515},{"text":"We'll speak soon.","start":2580.473,"end":2581.4329,"sentiment":"neutral","sentiment_score":0.25165654718875885}],"sentiment":"positive","sentiment_score":0.399099238216877,"num_words":61,"start":2561.635,"end":2581.4329},{"sentences":[{"text":"Bye.","start":2581.4329,"end":2581.9329,"sentiment":"neutral","sentiment_score":-0.11527286469936372}],"sentiment":"neutral","sentiment_score":-0.11527286469936372,"num_words":1,"start":2581.4329,"end":2581.9329}]}}]},{"alternatives":[{"transcript":"Hello? Hi. How are you? I'm good. Thank you. Yeah. It's fine. Yeah. We can do that. Sure. Hendership Lancome, 20 6 to Number 80321 Street, Victoria Park. Yeah. Yeah. If you if you know, I just got my day off today, so, yeah, cool holidays here. So yeah. Yeah. Look, I think yeah. I'm just wanting to see how it's gone so far. That's one. And secondly, there was an email that came through not so recent past from Oakview with regards to, I guess, other investment opportunities or something along those lines. I'm not wasn't sure what that was. I probably already got the email. But look, I think it is a starting point, see how we're going in, is there a new room for improvement, right, and anything else we need to look out for, basically, considering where we are and, yeah, just adding value. No. Look. I think Sure. Go ahead. Mhmm. Yes. So it probably would be my wife. Full name is Nad, n a d, e e. And last last name is my first name, which is I n d r a j I t h. 0455560088. Yes. Correct. Yeah. Look. So in twenty twenty five September, I was made redundant in the role that I was in, I guess, when I signed up. And as of May this year, I've recommenced with another company as an area manager. Yeah. No. It's it's it's mining engineering. It's the same area of the expertise. Look. I manage a team of account managers in the it's it's predominantly office space, but I would probably every month, a few days here and there, go and visit them, but not necessarily go and do any work on field as such. Yes. It is. Ecolab, e c o l a b. 180 base. Over time, no bonuses. I think it's a sliding scale. I don't have it. Obviously, it's too early for me to see what it looks like here. Yes. That's it. Yes. No. They don't. Yep. No. I'm not. Look. I think it probably has gone up gone up a bit. Let us keep it at 1.25 ish at the moment. Yeah. Yeah. Now let's change. So we have we have another one owing at the moment, 94. Yeah. Yeah. We'll say the same. Yep. Yes. We do. Yes. Yeah. That that's probably come down to 36. It's 5,000. No. No. No. Nothing about it. Yes. No. Nothing. Not right now. No. I don't. I thought I sent through a filled up form when I signed up, didn't I? I would say so if the phone. Yeah. Say say it again. Sorry? I don't, but I can send I can get something printed out if I need to. It's okay. Yep. Okay. Yep. Yep. Sure. Okay. Okay. Mhmm. Mhmm. Look. Yeah. It definitely definitely was probably something that's in the forefront for us, but it took a back seat with my redundancy and whatnot, we couldn't actually do anything. But, yeah, that's definitely the I would say next two years, I had to get at least one. Yeah. Sure. Okay. Okay. I did that. Yep. Thanks. Yep. Traveling, obviously, that probably would be the lower priority at this stage, but private school, yes. My son, he's been accepted to start next year in year four. So, yeah, it's so that's definitely something I want to do and, obviously, what I can do from a financial point of view to bolster that. Yeah. My main focus is obviously look. I think last year, I'm 46 I'm turning 46 this year, and I'm wanting to obviously, don't want to be working, I guess, till I turn 67, 69. So I want to really the next ten years, I guess, look at how I can bring in or bolster my financial standing in a way so that I'm not reliant on, I guess, a PG role for a job. And and I I don't need to be in a full time role per se. And that way, you know, gives me time to focus on the family and, I guess, takes the financial burden away, if that makes sense. Yeah. Yep. Yeah. Which is which is the I think what that email said. I think the email said that it had a case study in the from you. Yeah. It's something definitely you wanna see. Yeah. What I want yeah. I wanna explore that further. Yes. I look. It depends on what it it depends on what's involved. Right? And and then based on that, I can make the call whether it's something we can start off pretty soon or it's something that we just, you know, keep it for for first thing 2027. Yep. Yeah. Yeah. Look, I think the way I look at it is investment property, obviously, investing that's a form of investing, but end of the day, it's the other investing avenues which kinda give us a similar return or whatever that might be, right, I think we're happy to go and look at it preferentially and try to make a start. And then based on that, we can look at investment property as well. Mhmm. Sure. Yep. Yep. Yep. Yep. Yeah. Look, as I said yeah. Look, I think where where I would probably wanna see this is, first, I wanna see, I guess, what is the, I guess, the commitment required and, obviously, what the size of the price is and what we, you know, just give the understanding of that. Right? And then accordingly, I can then make a call on, right, you know, not now or maybe in three months, whatever it might be. So I think I would like to have a conversation on that sooner than later. Yeah. Mhmm. Mhmm. Yep. Yeah. Sure. Yep. Yes. Yep. Yep. Okay. Oh, it does. It does. So in in order to have that conversation, obviously, obviously, that's part of the scope of this meeting. I will probably have to schedule another meeting just to go through that, and I would like you to go through that. Yes. Okay. Yeah. Sure. Otherwise, it's look. I think the goals haven't changed. It's just it's taken a it's a bit of it's it's slowed down a bit or whatnot. So I'll probably say we're in a ramp up stage again. So yeah. Mhmm. Yeah. Sure. Yep. Sure. That's fine. No. It's usually been something issued with the company or whatnot, but not trade shares. No. Yep. Yep. Yes. Yep. What's the current profile at the moment? Current risk? Yeah. I I think that's what yeah. Correct. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Mhmm. There'll be probably a combination of those. Obviously, one, looking at whether if something is undervalued, right, then looking at whether they can actually get some of that in. Right? File it slow. And also depending on what's gone down, whether it's and what the reason behind that is and whether it's worthwhile holding on to it, and do we just go on to get rid of it and go on to something else. Right? But but also that they I mean, over at over overlooking all that is is also monitoring how things are. So, yeah, it's a combination of that depending on where where the downturn has come from and yeah. Yep. Yep. Yep. Mhmm. Once again, depending on where the Wild Health is coming from, right, I would stay neutral, but at the same time, we actively scanning and seeing if there are any opportunities for us to, I guess, both outstanding. Yep. Yeah. Sure. It just depends on what the investment opportunities. Yep. And all the returns. Yep. Yep. Let me refresh me. Sorry. Yeah. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yes. Yep. That's fine. Yep. Okay. Yep. Not straight away, but, yeah, I can. Yeah. Mhmm. Yes. Sure. That's fine. Sure. Okay. Yeah. Good. Okay. Yeah. Mhmm. Yep. Yep. Yes. Yes. Mhmm. Yep. Yep. Yep. Yep. Okay. Yep. K. Mhmm. Yep. Yep. Okay. Sure. Yep. Yep. Yep. Sure. Uh-huh. Alright. Yep. Yep. Yep. Yep. Yep. Which is? Yep. Yep. Sure. Yeah. Yeah. I do. I do. Yep. Yep. Sure. Okay. Mhmm. Sure. Okay. No. It's like what's it called? Yeah. Beta. Beta. Yeah. Yeah. Yeah. Yeah. Yeah. Beta. Share. Yep. So it's actually a ETF. Yep. Yep. Sure. Mhmm. Okay. Yeah. It does. Yep. Mhmm. Yeah. So is there any implications, any any initial cost, or is this pretty much transferring funds across one to the other? Yeah. Yeah. Yep. Yeah. Just one. Yeah. Yeah. Yep. Yeah. So okay. Since it's answer yeah. So that so is it is that the kind of magnitude of fee change over looking at? Typically okay. I look at it. Yeah. That's fine. Yeah. Okay. Yeah. Yeah. Go ahead. Yeah. No. No. No. No. Just go ahead. That's fine. Yeah. If there's anything untoward where it's gonna cost a bit of a significant shock, then I would like to know. But otherwise yeah. Great. Go ahead. Yep. Yep. Okay. Yep. Thank you. That's fine. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Yep. Yes. Yeah. Yeah. That's no problem. But didn't I sign an agreement only in the recent part? Maybe six within the last six months? Mhmm. Yep. Sure. Right. Oh, yeah. Yeah. Okay. Yeah. Sure. Yeah. Mhmm. Yep. Yep. Yep. Yep. Yep. How long do you need for that? Do we need to have a time allocated for that? Okay. Yep. Sure. Shops. Okay. It'd probably be let's keep it on Friday, perhaps. Right? Okay. What days do you have? Fine. Since you're late, what's you're a bit slim based, aren't you? So what's the latest appointment from your end? Which is three thirty for five, sir. Yeah. That's fine. Yeah. That's alright. Yep. Mhmm. Yeah. If if I could secure that and if I get a reminder, please, early in the week, that'd be great. Yep. Thank you. Yay. Look. I just want one question with so it's it's it's always half twenty four here with regards to the the super. Yeah. Okay. No. No. The reason I asked that was so right now, through my employer, my super employee is half 20 four. Right? Correct. Yeah. Okay. And where I'm coming to with that is I've actually I think my login for that has expired on or I just need assistance with that. So whoever can help me with that or set me up with that would be great, please. Yeah. Yeah. Yeah. I yeah. I can I can do that, ma'am? One second. Yep. Yep. Mhmm. Okay. I need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so the public app is deactivated. Yep. No. Mhmm. Okay. Process. Yep. Okay. That's fine. Yep. Yep. Thank you very much for that. That's all I need. Yep. Yep. Yep. Thank you very much. Thank you. Have a good day. 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Hi. How are you? I'm good. Thank you.\n\nYeah. It's fine. Yeah. We can do that. Sure.\n\nHendership Lancome, 20 6 to Number 80321 Street, Victoria Park. Yeah. Yeah. If you if you know, I just got my day off today, so, yeah, cool holidays here. So yeah.\n\nYeah. Look, I think yeah. I'm just wanting to see how it's gone so far. That's one. And secondly, there was an email that came through not so recent past from Oakview with regards to, I guess, other investment opportunities or something along those lines.\n\nI'm not wasn't sure what that was. I probably already got the email. But look, I think it is a starting point, see how we're going in, is there a new room for improvement, right, and anything else we need to look out for, basically, considering where we are and, yeah, just adding value. No. Look.\n\nI think Sure. Go ahead. Mhmm. Yes. So it probably would be my wife.\n\nFull name is Nad, n a d, e e. And last last name is my first name, which is I n d r a j I t h. 0455560088. Yes. Correct.\n\nYeah. Look. So in twenty twenty five September, I was made redundant in the role that I was in, I guess, when I signed up. And as of May this year, I've recommenced with another company as an area manager. Yeah.\n\nNo. It's it's it's mining engineering. It's the same area of the expertise. Look. I manage a team of account managers in the it's it's predominantly office space, but I would probably every month, a few days here and there, go and visit them, but not necessarily go and do any work on field as such.\n\nYes. It is. Ecolab, e c o l a b. 180 base. Over time, no bonuses.\n\nI think it's a sliding scale. I don't have it. Obviously, it's too early for me to see what it looks like here. Yes. That's it.\n\nYes. No. They don't. Yep. No.\n\nI'm not. Look. I think it probably has gone up gone up a bit. Let us keep it at 1.25 ish at the moment. Yeah.\n\nYeah. Now let's change. So we have we have another one owing at the moment, 94. Yeah. Yeah.\n\nWe'll say the same. Yep. Yes. We do. Yes.\n\nYeah. That that's probably come down to 36. It's 5,000. No. No.\n\nNo. Nothing about it. Yes. No. Nothing.\n\nNot right now. No. I don't. I thought I sent through a filled up form when I signed up, didn't I? I would say so if the phone.\n\nYeah. Say say it again. Sorry? I don't, but I can send I can get something printed out if I need to. It's okay.\n\nYep. Okay. Yep. Yep. Sure.\n\nOkay. Okay. Mhmm. Mhmm. Look.\n\nYeah. It definitely definitely was probably something that's in the forefront for us, but it took a back seat with my redundancy and whatnot, we couldn't actually do anything. But, yeah, that's definitely the I would say next two years, I had to get at least one. Yeah. Sure.\n\nOkay. Okay. I did that. Yep. Thanks.\n\nYep. Traveling, obviously, that probably would be the lower priority at this stage, but private school, yes. My son, he's been accepted to start next year in year four. So, yeah, it's so that's definitely something I want to do and, obviously, what I can do from a financial point of view to bolster that. Yeah.\n\nMy main focus is obviously look. I think last year, I'm 46 I'm turning 46 this year, and I'm wanting to obviously, don't want to be working, I guess, till I turn 67, 69. So I want to really the next ten years, I guess, look at how I can bring in or bolster my financial standing in a way so that I'm not reliant on, I guess, a PG role for a job. And and I I don't need to be in a full time role per se. And that way, you know, gives me time to focus on the family and, I guess, takes the financial burden away, if that makes sense.\n\nYeah. Yep. Yeah. Which is which is the I think what that email said. I think the email said that it had a case study in the from you.\n\nYeah. It's something definitely you wanna see. Yeah. What I want yeah. I wanna explore that further.\n\nYes. I look. It depends on what it it depends on what's involved. Right? And and then based on that, I can make the call whether it's something we can start off pretty soon or it's something that we just, you know, keep it for for first thing 2027.\n\nYep. Yeah. Yeah. Look, I think the way I look at it is investment property, obviously, investing that's a form of investing, but end of the day, it's the other investing avenues which kinda give us a similar return or whatever that might be, right, I think we're happy to go and look at it preferentially and try to make a start. And then based on that, we can look at investment property as well.\n\nMhmm. Sure. Yep. Yep. Yep.\n\nYep. Yeah. Look, as I said yeah. Look, I think where where I would probably wanna see this is, first, I wanna see, I guess, what is the, I guess, the commitment required and, obviously, what the size of the price is and what we, you know, just give the understanding of that. Right?\n\nAnd then accordingly, I can then make a call on, right, you know, not now or maybe in three months, whatever it might be. So I think I would like to have a conversation on that sooner than later. Yeah. Mhmm. Mhmm.\n\nYep. Yeah. Sure. Yep. Yes.\n\nYep. Yep. Okay. Oh, it does. It does.\n\nSo in in order to have that conversation, obviously, obviously, that's part of the scope of this meeting. I will probably have to schedule another meeting just to go through that, and I would like you to go through that. Yes. Okay. Yeah.\n\nSure. Otherwise, it's look. I think the goals haven't changed. It's just it's taken a it's a bit of it's it's slowed down a bit or whatnot. So I'll probably say we're in a ramp up stage again.\n\nSo yeah. Mhmm. Yeah. Sure. Yep.\n\nSure. That's fine. No. It's usually been something issued with the company or whatnot, but not trade shares. No.\n\nYep. Yep. Yes. Yep. What's the current profile at the moment?\n\nCurrent risk? Yeah. I I think that's what yeah. Correct. Yeah.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nMhmm. There'll be probably a combination of those. Obviously, one, looking at whether if something is undervalued, right, then looking at whether they can actually get some of that in. Right? File it slow.\n\nAnd also depending on what's gone down, whether it's and what the reason behind that is and whether it's worthwhile holding on to it, and do we just go on to get rid of it and go on to something else. Right? But but also that they I mean, over at over overlooking all that is is also monitoring how things are. So, yeah, it's a combination of that depending on where where the downturn has come from and yeah. Yep.\n\nYep. Yep. Mhmm. Once again, depending on where the Wild Health is coming from, right, I would stay neutral, but at the same time, we actively scanning and seeing if there are any opportunities for us to, I guess, both outstanding. Yep.\n\nYeah. Sure. It just depends on what the investment opportunities. Yep. And all the returns.\n\nYep. Yep. Let me refresh me. Sorry. Yeah.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nMhmm. Mhmm. Mhmm. Yep. Yep.\n\nYep. Yep. Yes. Yep. That's fine.\n\nYep. Okay. Yep. Not straight away, but, yeah, I can. Yeah.\n\nMhmm. Yes. Sure. That's fine. Sure.\n\nOkay. Yeah. Good. Okay. Yeah.\n\nMhmm. Yep. Yep. Yes. Yes.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nOkay. Yep. K. Mhmm. Yep.\n\nYep. Okay. Sure. Yep. Yep.\n\nYep. Sure. Uh-huh. Alright. Yep.\n\nYep. Yep. Yep. Yep. Which is?\n\nYep. Yep. Sure. Yeah. Yeah.\n\nI do. I do. Yep. Yep. Sure.\n\nOkay. Mhmm. Sure. Okay. No.\n\nIt's like what's it called? Yeah. Beta. Beta. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Beta.\n\nShare. Yep. So it's actually a ETF. Yep. Yep.\n\nSure. Mhmm. Okay. Yeah. It does.\n\nYep. Mhmm. Yeah. So is there any implications, any any initial cost, or is this pretty much transferring funds across one to the other? Yeah.\n\nYeah. Yep. Yeah. Just one. Yeah.\n\nYeah. Yep. Yeah. So okay. Since it's answer yeah.\n\nSo that so is it is that the kind of magnitude of fee change over looking at? Typically okay. I look at it. Yeah. That's fine.\n\nYeah. Okay. Yeah. Yeah. Go ahead.\n\nYeah. No. No. No. No.\n\nJust go ahead. That's fine. Yeah. If there's anything untoward where it's gonna cost a bit of a significant shock, then I would like to know. But otherwise yeah.\n\nGreat. Go ahead. Yep. Yep. Okay.\n\nYep. Thank you. That's fine. Yep. Okay.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. Yes. Yeah. Yeah. That's no problem.\n\nBut didn't I sign an agreement only in the recent part? Maybe six within the last six months? Mhmm. Yep. Sure.\n\nRight. Oh, yeah. Yeah. Okay. Yeah.\n\nSure. Yeah. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. How long do you need for that? Do we need to have a time allocated for that?\n\nOkay. Yep. Sure. Shops. Okay.\n\nIt'd probably be let's keep it on Friday, perhaps. Right? Okay. What days do you have? Fine.\n\nSince you're late, what's you're a bit slim based, aren't you? So what's the latest appointment from your end? Which is three thirty for five, sir. Yeah. That's fine.\n\nYeah. That's alright. Yep. Mhmm. Yeah.\n\nIf if I could secure that and if I get a reminder, please, early in the week, that'd be great. Yep. Thank you. Yay. Look.\n\nI just want one question with so it's it's it's always half twenty four here with regards to the the super. Yeah. Okay. No. No.\n\nThe reason I asked that was so right now, through my employer, my super employee is half 20 four. Right? Correct. Yeah. Okay.\n\nAnd where I'm coming to with that is I've actually I think my login for that has expired on or I just need assistance with that. So whoever can help me with that or set me up with that would be great, please. Yeah. Yeah. Yeah.\n\nI yeah. I can I can do that, ma'am? One second. Yep. Yep.\n\nMhmm. Okay. I need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so the public app is deactivated. Yep. No.\n\nMhmm. Okay. Process. Yep. Okay.\n\nThat's fine. Yep. Yep. Thank you very much for that. That's all I need.\n\nYep. Yep. Yep. Thank you very much. Thank you.\n\nHave a good day. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.05047977715730667},{"text":"Hi.","start":6.72,"end":6.96,"sentiment":"neutral","sentiment_score":0.11552071571350098},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.11803425351778667},{"text":"I'm good.","start":10.4,"end":10.88,"sentiment":"positive","sentiment_score":0.6244843304157257},{"text":"Thank you.","start":10.88,"end":11.62,"sentiment":"positive","sentiment_score":0.7634162604808807}],"sentiment":"positive","sentiment_score":0.3662116039130423,"num_words":9,"start":0.56,"end":11.62},{"sentences":[{"text":"Yeah.","start":18.985,"end":19.225,"sentiment":"neutral","sentiment_score":0.1911444067955017},{"text":"It's fine.","start":19.225,"end":19.705,"sentiment":"neutral","sentiment_score":0.2318345457315445},{"text":"Yeah.","start":19.705,"end":19.945,"sentiment":"neutral","sentiment_score":0.26953214406967163},{"text":"We can do that.","start":19.945,"end":20.845,"sentiment":"positive","sentiment_score":0.3476739153265953},{"text":"Sure.","start":42.66,"end":43.059998,"sentiment":"neutral","sentiment_score":0.02887873724102974}],"sentiment":"neutral","sentiment_score":0.260435560097297,"num_words":9,"start":18.985,"end":43.059998},{"sentences":[{"text":"Hendership Lancome, 20 6 to Number 80321 Street, Victoria Park.","start":43.059998,"end":47.535,"sentiment":"neutral","sentiment_score":0.046573965810239315},{"text":"Yeah.","start":52.074997,"end":52.394997,"sentiment":"neutral","sentiment_score":0.11067398637533188},{"text":"Yeah.","start":52.394997,"end":52.795,"sentiment":"neutral","sentiment_score":0.13820628821849823},{"text":"If you if you know, I just got my day off today, so, yeah, cool holidays here.","start":52.795,"end":57.07,"sentiment":"neutral","sentiment_score":0.17085683915544958},{"text":"So yeah.","start":57.07,"end":57.934998,"sentiment":"neutral","sentiment_score":0.16422300785779953}],"sentiment":"neutral","sentiment_score":0.12734297464691824,"num_words":31,"start":43.059998,"end":57.934998},{"sentences":[{"text":"Yeah.","start":58.635,"end":59.135,"sentiment":"neutral","sentiment_score":0.32305991649627686},{"text":"Look, I think yeah.","start":72.885,"end":75.284996,"sentiment":"neutral","sentiment_score":-0.0011206432245671766},{"text":"I'm just wanting to see how it's gone so far.","start":75.284996,"end":78.185,"sentiment":"neutral","sentiment_score":0.09067338779568672},{"text":"That's one.","start":78.244995,"end":78.885,"sentiment":"neutral","sentiment_score":0.12237098813056946},{"text":"And secondly, there was an email that came through not so recent past from Oakview with regards to, I guess, other investment opportunities or something along those lines.","start":78.885,"end":91.43,"sentiment":"neutral","sentiment_score":0.018410445457058295}],"sentiment":"neutral","sentiment_score":0.0441232371247477,"num_words":45,"start":58.635,"end":91.43},{"sentences":[{"text":"I'm not wasn't sure what that was.","start":91.43,"end":93.45,"sentiment":"neutral","sentiment_score":-0.08273679177675929},{"text":"I probably already got the email.","start":94.71,"end":95.91,"sentiment":"neutral","sentiment_score":-0.03438331559300423},{"text":"But look, I think it is a starting point, see how we're going in, is there a new room for improvement, right, and anything else we need to look out for, basically, considering where we are and, yeah, just adding value.","start":95.91,"end":107.425,"sentiment":"neutral","sentiment_score":0.08027077284527988},{"text":"No.","start":130.475,"end":130.635,"sentiment":"neutral","sentiment_score":-0.1638851761817932},{"text":"Look.","start":130.635,"end":131.035,"sentiment":"neutral","sentiment_score":-0.14136484265327454}],"sentiment":"neutral","sentiment_score":0.039292754139751196,"num_words":56,"start":91.43,"end":131.035},{"sentences":[{"text":"I think Sure.","start":131.035,"end":132.875,"sentiment":"neutral","sentiment_score":-0.096738051623106},{"text":"Go ahead.","start":132.875,"end":133.535,"sentiment":"neutral","sentiment_score":0.031852537766098976},{"text":"Mhmm.","start":140.155,"end":140.655,"sentiment":"neutral","sentiment_score":-0.02763569913804531},{"text":"Yes.","start":147.6,"end":148.1,"sentiment":"neutral","sentiment_score":0.007575605995953083},{"text":"So it probably would be my wife.","start":163.47499,"end":165.415,"sentiment":"neutral","sentiment_score":-0.006947981459753854}],"sentiment":"neutral","sentiment_score":-0.02108607447839209,"num_words":14,"start":131.035,"end":165.415},{"sentences":[{"text":"Full name is Nad, n a d, e e.","start":171.88,"end":174.78,"sentiment":"neutral","sentiment_score":0.03590710419747564},{"text":"And last last name is my first name, which is I n d r a j I t h.","start":176.84,"end":184.305,"sentiment":"neutral","sentiment_score":0.028663136555176032},{"text":"0455560088.","start":190.06499,"end":193.685,"sentiment":"neutral","sentiment_score":0.006504744291305542},{"text":"Yes.","start":197.825,"end":198.305,"sentiment":"neutral","sentiment_score":0.028714429587125775},{"text":"Correct.","start":198.305,"end":198.72,"sentiment":"neutral","sentiment_score":0.06299881637096405}],"sentiment":"neutral","sentiment_score":0.031160694276613575,"num_words":31,"start":171.88,"end":198.72},{"sentences":[{"text":"Yeah.","start":211.36,"end":211.76,"sentiment":"neutral","sentiment_score":-0.06459009647369385},{"text":"Look.","start":211.76,"end":212.26,"sentiment":"neutral","sentiment_score":-0.07070478796958923},{"text":"So in twenty twenty five September, I was made redundant in the role that I was in, I guess, when I signed up.","start":213.755,"end":221.135,"sentiment":"neutral","sentiment_score":-0.12984940085722052},{"text":"And as of May this year, I've recommenced with another company as an area manager.","start":221.195,"end":229.70999,"sentiment":"neutral","sentiment_score":-0.056131404265761374},{"text":"Yeah.","start":239.53,"end":240.03,"sentiment":"neutral","sentiment_score":-0.022677935659885406}],"sentiment":"neutral","sentiment_score":-0.09723122204404051,"num_words":41,"start":211.36,"end":240.03},{"sentences":[{"text":"No.","start":240.365,"end":240.60501,"sentiment":"neutral","sentiment_score":-0.06853210926055908},{"text":"It's it's it's mining engineering.","start":240.60501,"end":242.285,"sentiment":"neutral","sentiment_score":-0.032537609338760376},{"text":"It's the same area of the expertise.","start":242.285,"end":245.025,"sentiment":"neutral","sentiment_score":-0.012405975588730403},{"text":"Look.","start":254.76,"end":255.26,"sentiment":"neutral","sentiment_score":0.012429166585206984},{"text":"I manage a team of account managers in the it's it's predominantly office space, but I would probably every month, a few days here and there, go and visit them, but not necessarily go and do any work on field as such.","start":256.19998,"end":273.595,"sentiment":"neutral","sentiment_score":-0.011486527303488748}],"sentiment":"neutral","sentiment_score":-0.014072624379228469,"num_words":56,"start":240.365,"end":273.595},{"sentences":[{"text":"Yes.","start":278.935,"end":279.175,"sentiment":"neutral","sentiment_score":0.22045432031154633},{"text":"It is.","start":279.175,"end":279.66,"sentiment":"neutral","sentiment_score":0.23518960177898407},{"text":"Ecolab, e c o l a b.","start":286.06,"end":288.24,"sentiment":"neutral","sentiment_score":0.04012969242674964},{"text":"180 base.","start":293.1,"end":294.32,"sentiment":"neutral","sentiment_score":0.009457588894292712},{"text":"Over time, no bonuses.","start":304.665,"end":306.045,"sentiment":"neutral","sentiment_score":-0.07216597348451614}],"sentiment":"neutral","sentiment_score":0.043874540919205174,"num_words":16,"start":278.935,"end":306.045},{"sentences":[{"text":"I think it's a sliding scale.","start":306.585,"end":307.945,"sentiment":"neutral","sentiment_score":-0.07213992004593213},{"text":"I don't have it.","start":307.945,"end":308.665,"sentiment":"neutral","sentiment_score":-0.1294145155698061},{"text":"Obviously, it's too early for me to see what it looks like here.","start":308.665,"end":317.85004,"sentiment":"neutral","sentiment_score":-0.023197771694797736},{"text":"Yes.","start":318.27002,"end":318.77002,"sentiment":"neutral","sentiment_score":0.003684047143906355},{"text":"That's it.","start":319.15002,"end":319.87003,"sentiment":"neutral","sentiment_score":0.004774263012222946}],"sentiment":"neutral","sentiment_score":-0.0476475400545706,"num_words":26,"start":306.585,"end":319.87003},{"sentences":[{"text":"Yes.","start":319.87003,"end":320.37003,"sentiment":"neutral","sentiment_score":0.02547132968902588},{"text":"No.","start":328.805,"end":329.285,"sentiment":"neutral","sentiment_score":-0.038062985986471176},{"text":"They don't.","start":329.285,"end":330.025,"sentiment":"neutral","sentiment_score":-0.04468587227165699},{"text":"Yep.","start":332.64502,"end":333.14502,"sentiment":"neutral","sentiment_score":-0.008155814372003078},{"text":"No.","start":339.38,"end":339.7,"sentiment":"neutral","sentiment_score":-0.13496947288513184}],"sentiment":"neutral","sentiment_score":-0.04084811468298236,"num_words":6,"start":319.87003,"end":339.7},{"sentences":[{"text":"I'm not.","start":339.7,"end":340.36002,"sentiment":"neutral","sentiment_score":-0.12560436129570007},{"text":"Look.","start":354.60498,"end":354.925,"sentiment":"neutral","sentiment_score":-0.025497514754533768},{"text":"I think it probably has gone up gone up a bit.","start":354.925,"end":357.32498,"sentiment":"neutral","sentiment_score":-0.05102877420457927},{"text":"Let us keep it at 1.25 ish at the moment.","start":357.32498,"end":360.28497,"sentiment":"neutral","sentiment_score":-0.001921454630792141},{"text":"Yeah.","start":360.28497,"end":360.78497,"sentiment":"neutral","sentiment_score":0.010943411849439144}],"sentiment":"neutral","sentiment_score":-0.03385175552219152,"num_words":25,"start":339.7,"end":360.78497},{"sentences":[{"text":"Yeah.","start":369.0,"end":369.5,"sentiment":"neutral","sentiment_score":0.03678322583436966},{"text":"Now let's change.","start":375.69498,"end":376.595,"sentiment":"neutral","sentiment_score":0.0058816430779794855},{"text":"So we have we have another one owing at the moment, 94.","start":376.655,"end":383.47498,"sentiment":"neutral","sentiment_score":0.0008373026891301075},{"text":"Yeah.","start":389.535,"end":389.775,"sentiment":"neutral","sentiment_score":0.012882961891591547},{"text":"Yeah.","start":389.775,"end":390.095,"sentiment":"neutral","sentiment_score":0.010457029566168783}],"sentiment":"neutral","sentiment_score":0.0048786543775349855,"num_words":18,"start":369.0,"end":390.095},{"sentences":[{"text":"We'll say the same.","start":390.095,"end":390.97498,"sentiment":"neutral","sentiment_score":0.008131699170917273},{"text":"Yep.","start":390.97498,"end":391.32,"sentiment":"neutral","sentiment_score":0.06189791485667229},{"text":"Yes.","start":401.0,"end":401.24002,"sentiment":"neutral","sentiment_score":0.07032395899295807},{"text":"We 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5,000.","start":417.93,"end":418.91,"sentiment":"neutral","sentiment_score":0.18527352064847946},{"text":"No.","start":422.01,"end":422.51,"sentiment":"neutral","sentiment_score":-0.011582136154174805},{"text":"No.","start":425.69,"end":426.19,"sentiment":"neutral","sentiment_score":-0.03712628781795502}],"sentiment":"neutral","sentiment_score":0.10435016204913457,"num_words":12,"start":408.505,"end":426.19},{"sentences":[{"text":"No.","start":429.13,"end":429.21,"sentiment":"neutral","sentiment_score":0.023708246648311615},{"text":"Nothing about 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can do from a financial point of view to bolster that.","start":664.685,"end":672.685,"sentiment":"positive","sentiment_score":0.3391834067610594},{"text":"Yeah.","start":672.685,"end":673.185,"sentiment":"neutral","sentiment_score":0.1428108811378479}],"sentiment":"neutral","sentiment_score":0.178796001477167,"num_words":56,"start":646.87,"end":673.185},{"sentences":[{"text":"My main focus is obviously look.","start":682.01996,"end":684.01996,"sentiment":"neutral","sentiment_score":0.05556171076993147},{"text":"I think last year, I'm 46 I'm turning 46 this year, and I'm wanting to obviously, don't want to be working, I guess, till I turn 67, 69.","start":684.01996,"end":695.735,"sentiment":"neutral","sentiment_score":-0.000686167406716517},{"text":"So I want to really the next ten years, I guess, look at how I can bring in or bolster my financial standing in a way so that I'm not reliant on, I guess, a PG role for a 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as I said yeah.","start":901.52496,"end":903.11,"sentiment":"neutral","sentiment_score":0.11540968716144562},{"text":"Look, I think where where I would probably wanna see this is, first, I wanna see, I guess, what is the, I guess, the commitment required and, obviously, what the size of the price is and what we, you know, just give the understanding of that.","start":903.11,"end":918.155,"sentiment":"neutral","sentiment_score":0.04435048300934875},{"text":"Right?","start":918.155,"end":918.47504,"sentiment":"neutral","sentiment_score":0.07223354279994965}],"sentiment":"neutral","sentiment_score":0.053820674756058944,"num_words":54,"start":884.06,"end":918.47504},{"sentences":[{"text":"And then accordingly, I can then make a call on, right, you know, not now or maybe in three months, whatever it might be.","start":918.47504,"end":924.395,"sentiment":"neutral","sentiment_score":0.07580489618703723},{"text":"So I think I would like to have a conversation on that sooner than 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long do you need for that?","start":2315.415,"end":2316.695,"sentiment":"neutral","sentiment_score":-0.02008668040590627},{"text":"Do we need to have a time allocated for that?","start":2316.695,"end":2319.3552,"sentiment":"neutral","sentiment_score":-0.012423559464514256}],"sentiment":"neutral","sentiment_score":-0.008311482518911362,"num_words":20,"start":2293.47,"end":2319.3552},{"sentences":[{"text":"Okay.","start":2327.03,"end":2327.53,"sentiment":"neutral","sentiment_score":0.04940998554229736},{"text":"Yep.","start":2328.6301,"end":2329.03,"sentiment":"neutral","sentiment_score":0.08968932926654816},{"text":"Sure.","start":2329.03,"end":2329.53,"sentiment":"neutral","sentiment_score":0.15078628063201904},{"text":"Shops.","start":2336.105,"end":2336.585,"sentiment":"neutral","sentiment_score":0.04285512492060661},{"text":"Okay.","start":2336.585,"end":2336.825,"sentiment":"neutral","sentiment_score":0.05840245634317398}],"sentiment":"neutral","sentiment_score":0.07822863534092903,"num_words":5,"start":2327.03,"end":2336.825},{"sentences":[{"text":"It'd probably be let's keep it on Friday, perhaps.","start":2336.825,"end":2341.085,"sentiment":"neutral","sentiment_score":0.04585756754709615},{"text":"Right?","start":2341.625,"end":2342.125,"sentiment":"neutral","sentiment_score":-0.0029147863388061523},{"text":"Okay.","start":2346.345,"end":2346.665,"sentiment":"neutral","sentiment_score":0.006664132699370384},{"text":"What days do you have?","start":2346.665,"end":2347.965,"sentiment":"neutral","sentiment_score":0.006284671649336815},{"text":"Fine.","start":2358.26,"end":2358.4202,"sentiment":"neutral","sentiment_score":0.15513458847999573}],"sentiment":"neutral","sentiment_score":0.0354720824124182,"num_words":17,"start":2336.825,"end":2358.4202},{"sentences":[{"text":"Since you're late, what's you're a bit slim based, aren't you?","start":2358.4202,"end":2362.2,"sentiment":"neutral","sentiment_score":-0.17125897990031677},{"text":"So what's the latest appointment from your end?","start":2362.34,"end":2365.005,"sentiment":"neutral","sentiment_score":0.0268922820687294},{"text":"Which is three thirty for five, sir.","start":2377.4048,"end":2380.97,"sentiment":"neutral","sentiment_score":0.04141531139612198},{"text":"Yeah.","start":2380.97,"end":2381.29,"sentiment":"neutral","sentiment_score":0.1749982386827469},{"text":"That's fine.","start":2381.29,"end":2381.95,"sentiment":"neutral","sentiment_score":0.28795862197875977}],"sentiment":"neutral","sentiment_score":-0.02165130551519065,"num_words":29,"start":2358.4202,"end":2381.95},{"sentences":[{"text":"Yeah.","start":2382.17,"end":2382.49,"sentiment":"neutral","sentiment_score":0.19879765808582303},{"text":"That's alright.","start":2382.49,"end":2383.15,"sentiment":"neutral","sentiment_score":0.25739119946956635},{"text":"Yep.","start":2383.8499,"end":2384.3499,"sentiment":"neutral","sentiment_score":0.2338382303714752},{"text":"Mhmm.","start":2398.885,"end":2399.205,"sentiment":"neutral","sentiment_score":0.07831858098506927},{"text":"Yeah.","start":2399.205,"end":2399.705,"sentiment":"neutral","sentiment_score":0.10781878232955933}],"sentiment":"neutral","sentiment_score":0.1889259417851766,"num_words":6,"start":2382.17,"end":2399.705},{"sentences":[{"text":"If if I could secure that and if I get a reminder, please, early in the week, that'd be great.","start":2400.0051,"end":2405.065,"sentiment":"positive","sentiment_score":0.3597555510699749},{"text":"Yep.","start":2417.2302,"end":2417.7302,"sentiment":"neutral","sentiment_score":0.022614093497395515},{"text":"Thank you.","start":2424.9548,"end":2425.6948,"sentiment":"positive","sentiment_score":0.5785523951053619},{"text":"Yay.","start":2428.7148,"end":2429.2148,"sentiment":"positive","sentiment_score":0.4683830142021179},{"text":"Look.","start":2432.2349,"end":2432.635,"sentiment":"neutral","sentiment_score":0.03260643035173416}],"sentiment":"positive","sentiment_score":0.35503277398645877,"num_words":25,"start":2400.0051,"end":2432.635},{"sentences":[{"text":"I just want one question with so it's it's it's always half twenty four here with regards to the the super.","start":2432.635,"end":2437.865,"sentiment":"neutral","sentiment_score":0.001883475398201318},{"text":"Yeah.","start":2450.09,"end":2450.33,"sentiment":"neutral","sentiment_score":0.01668558269739151},{"text":"Okay.","start":2450.33,"end":2450.83,"sentiment":"neutral","sentiment_score":0.04242513328790665},{"text":"No.","start":2456.6848,"end":2457.1848,"sentiment":"neutral","sentiment_score":-0.07291659712791443},{"text":"No.","start":2457.325,"end":2457.805,"sentiment":"neutral","sentiment_score":-0.08936065435409546}],"sentiment":"neutral","sentiment_score":-0.002544542085379362,"num_words":25,"start":2432.635,"end":2457.805},{"sentences":[{"text":"The reason I asked that was so right now, through my employer, my super employee is half 20 four.","start":2457.805,"end":2464.305,"sentiment":"neutral","sentiment_score":-0.04480996938716424},{"text":"Right?","start":2465.165,"end":2465.665,"sentiment":"neutral","sentiment_score":0.010210801847279072},{"text":"Correct.","start":2465.885,"end":2466.365,"sentiment":"neutral","sentiment_score":0.03757604956626892},{"text":"Yeah.","start":2466.365,"end":2466.605,"sentiment":"neutral","sentiment_score":0.034766785800457},{"text":"Okay.","start":2466.605,"end":2467.08,"sentiment":"neutral","sentiment_score":0.0426790788769722}],"sentiment":"neutral","sentiment_score":-0.031572030533267105,"num_words":23,"start":2457.805,"end":2467.08},{"sentences":[{"text":"And where I'm coming to with that is I've actually I think my login for that has expired on or I just need assistance with that.","start":2467.32,"end":2476.6,"sentiment":"neutral","sentiment_score":-0.04723077750979708},{"text":"So whoever can help me with that or set me up with that would be great, please.","start":2476.6,"end":2480.22,"sentiment":"neutral","sentiment_score":0.22625308133223476},{"text":"Yeah.","start":2484.735,"end":2484.975,"sentiment":"neutral","sentiment_score":0.018203124403953552},{"text":"Yeah.","start":2484.975,"end":2485.215,"sentiment":"neutral","sentiment_score":0.019994478672742844},{"text":"Yeah.","start":2485.215,"end":2485.535,"sentiment":"neutral","sentiment_score":0.018024470657110218}],"sentiment":"neutral","sentiment_score":0.05814183132884943,"num_words":46,"start":2467.32,"end":2485.535},{"sentences":[{"text":"I yeah.","start":2485.535,"end":2486.655,"sentiment":"neutral","sentiment_score":0.05285968631505966},{"text":"I can I can do that, ma'am?","start":2486.655,"end":2487.695,"sentiment":"neutral","sentiment_score":0.08321525369371686},{"text":"One second.","start":2487.695,"end":2488.5151,"sentiment":"neutral","sentiment_score":0.07715047895908356},{"text":"Yep.","start":2496.7002,"end":2497.2002,"sentiment":"neutral","sentiment_score":0.0908333882689476},{"text":"Yep.","start":2504.4602,"end":2504.9602,"sentiment":"neutral","sentiment_score":0.040799450129270554}],"sentiment":"neutral","sentiment_score":0.07493538036942482,"num_words":13,"start":2485.535,"end":2504.9602},{"sentences":[{"text":"Mhmm.","start":2515.3152,"end":2515.8152,"sentiment":"neutral","sentiment_score":0.016137953847646713},{"text":"Okay.","start":2518.8352,"end":2519.3352,"sentiment":"neutral","sentiment_score":0.03113942034542561},{"text":"I need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so the public app is deactivated.","start":2523.3,"end":2531.24,"sentiment":"neutral","sentiment_score":-0.045217593533119986},{"text":"Yep.","start":2531.54,"end":2532.04,"sentiment":"neutral","sentiment_score":0.008327602408826351},{"text":"No.","start":2538.275,"end":2538.775,"sentiment":"neutral","sentiment_score":-0.12938520312309265}],"sentiment":"neutral","sentiment_score":-0.0418710264202673,"num_words":32,"start":2515.3152,"end":2538.775},{"sentences":[{"text":"Mhmm.","start":2540.9148,"end":2541.4148,"sentiment":"neutral","sentiment_score":-0.034147828817367554},{"text":"Okay.","start":2547.4749,"end":2547.555,"sentiment":"neutral","sentiment_score":-0.006284322589635849},{"text":"Process.","start":2547.555,"end":2548.055,"sentiment":"neutral","sentiment_score":-0.014695736579596996},{"text":"Yep.","start":2550.39,"end":2550.71,"sentiment":"neutral","sentiment_score":0.05662192404270172},{"text":"Okay.","start":2550.71,"end":2551.03,"sentiment":"neutral","sentiment_score":0.059388335794210434}],"sentiment":"neutral","sentiment_score":0.012176474370062352,"num_words":5,"start":2540.9148,"end":2551.03},{"sentences":[{"text":"That's fine.","start":2551.03,"end":2552.73,"sentiment":"neutral","sentiment_score":0.047852182760834694},{"text":"Yep.","start":2553.67,"end":2554.17,"sentiment":"neutral","sentiment_score":0.09310980141162872},{"text":"Yep.","start":2555.19,"end":2555.69,"sentiment":"neutral","sentiment_score":0.08022386580705643},{"text":"Thank you very much for that.","start":2558.3098,"end":2559.3499,"sentiment":"positive","sentiment_score":0.744831770658493},{"text":"That's all I need.","start":2559.3499,"end":2560.0698,"sentiment":"positive","sentiment_score":0.3656463772058487}],"sentiment":"positive","sentiment_score":0.4429010118224791,"num_words":14,"start":2551.03,"end":2560.0698},{"sentences":[{"text":"Yep.","start":2560.0698,"end":2560.5698,"sentiment":"neutral","sentiment_score":0.20436429977416992},{"text":"Yep.","start":2571.685,"end":2571.845,"sentiment":"neutral","sentiment_score":0.1721666157245636},{"text":"Yep.","start":2571.845,"end":2572.345,"sentiment":"neutral","sentiment_score":0.2529750466346741},{"text":"Thank you very much.","start":2575.613,"end":2576.513,"sentiment":"positive","sentiment_score":0.7366244792938232},{"text":"Thank you.","start":2578.4128,"end":2579.153,"sentiment":"positive","sentiment_score":0.7331160008907318}],"sentiment":"positive","sentiment_score":0.5602484312322404,"num_words":9,"start":2560.0698,"end":2579.153},{"sentences":[{"text":"Have a good day.","start":2579.213,"end":2579.773,"sentiment":"positive","sentiment_score":0.6708073168992996},{"text":"Bye.","start":2579.773,"end":2580.273,"sentiment":"neutral","sentiment_score":0.33157864212989807}],"sentiment":"positive","sentiment_score":0.6029615819454193,"num_words":5,"start":2579.213,"end":2580.273}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Veronica from Financial. How are you?\n\nChannel 1: Hi. How are you?\n\nChannel 0: Yeah. Good. Thanks. How are you?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. It's fine. Yeah. We can do that.\n\nChannel 0: Yep. 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 for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Sure. Hendership Lancome, 20 6 to Number 80321 Street, Victoria Park.\n\nChannel 0: Perfect. And how's your morning been? Been busy or pretty\n\nChannel 1: Yeah.\n\nChannel 0: easy?\n\nChannel 1: Yeah. If you if you know, I just got my day off today, so, yeah, cool holidays here. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's nice. Now, India, before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions or just kind\n\nChannel 1: Look,\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: see\n\nChannel 1: think\n\nChannel 0: where everything's at.\n\nChannel 1: yeah. I'm just wanting to see how it's\n\nChannel 0: Yep.\n\nChannel 1: gone so far. That's one.\n\nChannel 0: Yep.\n\nChannel 1: And secondly, there was an email that came through not so recent past from Oakview with regards to, I guess, other investment opportunities or something along those lines. I'm not wasn't sure what that was. I probably already got the email. But look, I think it is a starting point, see how we're going in, is there a new room for improvement, right, and\n\nChannel 0: Yes.\n\nChannel 1: anything else we need to look out for, basically, considering where we are and, yeah, just adding value.\n\nChannel 0: Yeah. No. That makes sense. Now what I will do first before we kind of run through your superannuation and your insurances is just to go through just a bit of an updated fact find just to see if there is anything major that has changed in your life, if we need to make any, you know, tweaks and changes to your advice as well. So\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: Look.\n\nChannel 0: kind of\n\nChannel 1: I think\n\nChannel 0: bear with me. Yeah?\n\nChannel 1: Sure. Go ahead.\n\nChannel 0: Yep. I just need to cross off on what I have here just to see if anything has changed.\n\nChannel 1: Mhmm.\n\nChannel 0: And now personal information, I'm still married with one financial dependent.\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. Now I don't actually have a next of kin on file for you. So in the event that we can't contact you, who is someone that you would like to nominate? So that can be anybody.\n\nChannel 1: So it probably would be my wife.\n\nChannel 0: Yep. Perfect. And just full name and phone number, please?\n\nChannel 1: Full name is Nad, n a d, e e.\n\nChannel 0: Yep.\n\nChannel 1: And last last name is my first name, which is I n d\n\nChannel 0: Yep.\n\nChannel 1: r a j I t h.\n\nChannel 0: Perfect. And phone number, please?\n\nChannel 1: 0455560088.\n\nChannel 0: 00. Did you say 88 at the end?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. Perfect. Thank you so much. Now occupation wise, I believe that has changed since we spoke last time during the annual review for you.\n\nChannel 1: Yeah. Look. So in twenty twenty five September, I was made redundant in the role that I was in,\n\nChannel 0: Mhmm.\n\nChannel 1: I guess, when I signed up. And\n\nChannel 0: Yep.\n\nChannel 1: as of May\n\nChannel 0: Mhmm.\n\nChannel 1: this year, I've recommenced with another company as an area manager.\n\nChannel 0: Okay. Perfect. So area. Is that still within, like, engineering, or is it a different\n\nChannel 1: Yeah.\n\nChannel 0: field?\n\nChannel 1: No.\n\nChannel 0: Yes.\n\nChannel 1: It's it's it's mining engineering. It's the same\n\nChannel 0: Okay.\n\nChannel 1: area of the expertise.\n\nChannel 0: Yep. Okay. Perfect. And are you mainly working in the office, or would you go out on-site as part of it\n\nChannel 1: Look.\n\nChannel 0: as well?\n\nChannel 1: I manage a team of account managers in the\n\nChannel 0: Mhmm.\n\nChannel 1: it's it's predominantly office space, but I would probably every month, a few days here and there, go and visit them, but\n\nChannel 0: Yep.\n\nChannel 1: not necessarily go and do any work on field as such.\n\nChannel 0: Okay. Okay. Perfect. And is that a full time job as well?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yes. That's perfect. And what's the company called?\n\nChannel 1: Ecolab, e c o l a b.\n\nChannel 0: Beautiful. And what's your income at the moment?\n\nChannel 1: 180 base.\n\nChannel 0: 180. Now do you get overtime bonuses or anything like that?\n\nChannel 1: Over time, no bonuses. I think it's a sliding scale. I don't have it. Obviously, it's too early for\n\nChannel 0: Yes.\n\nChannel 1: me to\n\nChannel 0: Okay. Perfect.\n\nChannel 1: see what it\n\nChannel 0: But that would be\n\nChannel 1: looks\n\nChannel 0: is that kind of based\n\nChannel 1: like\n\nChannel 0: on performance and stuff\n\nChannel 1: here.\n\nChannel 0: throughout the year,\n\nChannel 1: Yes.\n\nChannel 0: typically? Oh,\n\nChannel 1: That's\n\nChannel 0: yeah.\n\nChannel 1: it.\n\nChannel 0: Okay.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So one eighty. Now they do they have an enterprise bargain agreement in place\n\nChannel 1: No.\n\nChannel 0: or\n\nChannel 1: They don't.\n\nChannel 0: nope? Okay. So they just paid up standard 12%\n\nChannel 1: Yep.\n\nChannel 0: contribution interest. Yep. Beautiful. And you're not making any additional contribution interest. Is that\n\nChannel 1: No.\n\nChannel 0: from\n\nChannel 1: I'm\n\nChannel 0: your\n\nChannel 1: not.\n\nChannel 0: employer? No. Perfect. Now asset wise, I have here your property last time we spoke was valued at about 1.1. Is that still roughly the case?\n\nDo you know, or has that\n\nChannel 1: Look.\n\nChannel 0: gone\n\nChannel 1: I think\n\nChannel 0: up a\n\nChannel 1: it\n\nChannel 0: little\n\nChannel 1: probably\n\nChannel 0: bit?\n\nChannel 1: has gone up gone up a bit. Let us keep it at\n\nChannel 0: Mhmm.\n\nChannel 1: 1.25 ish at the moment. Yeah.\n\nChannel 0: Yeah. 1.25. Now I have about $9.60 owing. Does that sound about right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And, also, I motor vehicle ride at about 40,000.\n\nChannel 1: Now let's change. So\n\nChannel 0: Okay.\n\nChannel 1: we have we have another one\n\nChannel 0: Mhmm.\n\nChannel 1: owing at the moment, 94.\n\nChannel 0: 94. And how much was that one by? That's the same?\n\nChannel 1: Yeah. Yeah. We'll say\n\nChannel 0: Or\n\nChannel 1: the same.\n\nChannel 0: yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I also have solar system. Do you have 10 owing on that alone or something?\n\nChannel 1: Yes. We do. Yes.\n\nChannel 0: Yes. Yep. And a personal loan of about 41.\n\nChannel 1: Yeah. That that's probably come down to 36.\n\nChannel 0: Okay. Perfect. 36. And then about 10,000 just on a credit card as well.\n\nChannel 1: It's 5,000.\n\nChannel 0: Alright. Oh, perfect. Any\n\nChannel 1: No.\n\nChannel 0: other new assets in the last twelve months? Any\n\nChannel 1: No.\n\nChannel 0: motorbikes or boats or anything else? Like, beautiful.\n\nChannel 1: No. Nothing about it.\n\nChannel 0: Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything?\n\nChannel 1: No. Nothing. Not right now.\n\nChannel 0: No. No. That's good. And when it comes to estate planning, do you have a will in place settle or a power of attorney?\n\nChannel 1: No. I don't.\n\nChannel 0: No. And when it comes through your superannuation and your insurances as well, I can see here that we don't have a current nomination on file for you. So that\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: thought I sent\n\nChannel 0: in\n\nChannel 1: through a filled up form when I signed up, didn't I?\n\nChannel 0: let me triple check-in the system. But sometimes, you never know with us us post. Do you remember if you send it back through Australia Post, like,\n\nChannel 1: I would say\n\nChannel 0: by post?\n\nChannel 1: so if the phone. Yeah.\n\nChannel 0: Yeah. Let me triple check-in the account for you just so that the notes I have been given is correct. Just bear with me. Do you have access to a printer otherwise or not really?\n\nChannel 1: Say say it again. Sorry?\n\nChannel 0: Do you have access to a printer?\n\nChannel 1: I don't, but I can send I can get something printed out if I need to. It's okay.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Because, yeah, I'm just having a look in the in the system now for you, and there is no current nomination. So what we,\n\nChannel 1: Okay.\n\nChannel 0: yeah, so the reason I asked about the printer, especially, obviously, with you being over in WA, sometimes it can take a little minute to for the post to get here. So if\n\nChannel 1: Yep.\n\nChannel 0: you are happy, I can get the team to email you the form. That way, once you've completed it, send\n\nChannel 1: Yep.\n\nChannel 0: it back. We know for a fact that it come back to us, and it's always in your inbox as well so you won't ever get lost and you'd have to redo it again.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Yep. Okay. Perfect. If you do have any issues with them or completing them or anything, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Otherwise, when it comes to your goals, so stuff that you are working towards that you are kind of wanting to achieve, sometimes during the under review is good to kind of get a bit of a check-in and see, you know, how how things are tracking and if that's still kind of the plans for you guys.\n\nChannel 1: Mhmm.\n\nChannel 0: And last time when we spoke to you, your it was kind of more like a five year plan was to potentially look at buying an investment property. Is that still kind of something you guys\n\nChannel 1: Mhmm.\n\nChannel 0: are thinking?\n\nChannel 1: Look. Yeah. It definitely definitely was\n\nChannel 0: Yep.\n\nChannel 1: probably something that's in the forefront for us, but\n\nChannel 0: Yep.\n\nChannel 1: it took a back seat with my redundancy and whatnot,\n\nChannel 0: Yeah.\n\nChannel 1: we couldn't actually do anything. But, yeah, that's definitely\n\nChannel 0: Yeah.\n\nChannel 1: the I would say next two years, I had to get at least one.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect. And when you are ready to have a look at it, if you don't have a good mortgage broker, just let us know because we work pretty closely with a couple of firms, but I'd be more than happy to get them to reach out, see,\n\nChannel 1: Sure.\n\nChannel 0: you know, borrowing capacity and stuff like that if that is something you are interested. If so, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Okay. I\n\nChannel 0: Perfect.\n\nChannel 1: did that. Yep. Thanks.\n\nChannel 0: Aside from that, your focus was to do just a bit of a travel and then be in a position where you can put your son through private school. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: I probably can imagine that with, obviously, the redundancy that may have changed, or or is that still kind of the the plan?\n\nChannel 1: Traveling, obviously, that probably would be the lower priority at this stage,\n\nChannel 0: Yes.\n\nChannel 1: but private school, yes. My son, he's\n\nChannel 0: Oh,\n\nChannel 1: been accepted to start next year in year four.\n\nChannel 0: beautiful.\n\nChannel 1: So, yeah, it's\n\nChannel 0: That's great.\n\nChannel 1: so that's definitely something I want to do and, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: what I can do from a financial point of view to bolster that. Yeah.\n\nChannel 0: Yep. Okay. Great. Is there any anything else that you are working towards in the next couple of years? So that's kind of your main focus.\n\nChannel 1: My main focus is obviously\n\nChannel 0: Mhmm.\n\nChannel 1: look. I think last year, I'm 46 I'm turning 46 this year, and I'm wanting to obviously, don't want to be working, I guess, till I turn 67, 69. So I want to really\n\nChannel 0: Mhmm.\n\nChannel 1: the next ten years, I guess, look at how I can bring in or bolster my financial standing in a way so that I'm not reliant on, I guess, a PG role for a job.\n\nChannel 0: Mhmm.\n\nChannel 1: And and I I don't need to be in a full time role per se. And\n\nChannel 0: Yep. Yep.\n\nChannel 1: that way, you know, gives me time to focus on the family and, I guess, takes the financial\n\nChannel 0: Yeah.\n\nChannel 1: burden away, if that makes\n\nChannel 0: Yep.\n\nChannel 1: sense. Yeah.\n\nChannel 0: Yeah. No. It definitely does. And,\n\nChannel 1: Yep.\n\nChannel 0: you know, if there are any other areas of advice that you want obviously, I understand, obviously, being pretty new with the the role and everything, getting on top of everything.\n\nChannel 1: Yeah.\n\nChannel 0: But when, you know, when everything's kind of sorted or if you do have a bit of spare, I guess, cash or you wanna look in different investment options to tryna diversify, like, just let us know because we do a lot of outside of reinvesting as well if that is something you would ever be interested\n\nChannel 1: Which is\n\nChannel 0: in.\n\nChannel 1: which is the I think what that email said. I think the email said that it had a case study in the from you. Yeah. It's something\n\nChannel 0: Yes.\n\nChannel 1: definitely you wanna see. Yeah. What I\n\nChannel 0: Yes.\n\nChannel 1: want yeah. I wanna explore that further. Yes.\n\nChannel 0: Yep. Okay. Perfect. And is that something that you wanna, like, give a bit of time on? Can we start looking, obviously, with your new role,\n\nChannel 1: I\n\nChannel 0: like, maybe in a couple\n\nChannel 1: look.\n\nChannel 0: of\n\nChannel 1: It\n\nChannel 0: months\n\nChannel 1: depends\n\nChannel 0: or\n\nChannel 1: on\n\nChannel 0: next\n\nChannel 1: what\n\nChannel 0: year?\n\nChannel 1: it it depends on what's involved. Right?\n\nChannel 0: Mhmm.\n\nChannel 1: And and then based on that, I can make the call whether it's something we can start off pretty soon or it's something that we just, you know, keep it for for first thing 2027.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Because there are a lot of, obviously, a lot of different ways you can do personal investing, and it often\n\nChannel 1: Yeah.\n\nChannel 0: often comes down to, I guess, what your goals are and priority. And, also,\n\nChannel 1: Yeah.\n\nChannel 0: if it would be conflicting with the investment property or whether it would be like, obviously, if you're saving money for the the deposited investment property or whether you'd wanna put some aside for different type of investments, there's obviously different ways you can diversify things for you as well.\n\nChannel 1: Look, I think the way I look at it is investment property, obviously, investing that's a form of investing, but end of the day, it's the other investing avenues which kinda give us a similar return or whatever that might be, right, I think\n\nChannel 0: Mhmm.\n\nChannel 1: we're happy to go and look at it preferentially and\n\nChannel 0: Yep.\n\nChannel 1: try to make a start. And then based on that, we can look at investment property as well.\n\nChannel 0: Yep. Okay. Perfect. Because, yes, there's a lot of different outside super obviously, starting from property investments that we look at.\n\nChannel 1: Mhmm.\n\nChannel 0: And it often comes down to as well, well, what are the time frames we're looking at? Because that can then steer us in different directions.\n\nChannel 1: Sure.\n\nChannel 0: How much money we are thinking of starting off with, and also whether we are thinking of doing, like, regular contributions through that type of investments\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: Yep.\n\nChannel 0: whether it's just like a one off thing. So there's obviously, like, a few things to kind of consider.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But what I can do is if it's obviously something that you wanna have a bit of a think about, to be like, okay. What's what's our focus? How much do we could we put in? What are our time frames? I can even put, like, a a reminder in a couple of months to reach out to see where\n\nChannel 1: Yeah.\n\nChannel 0: things\n\nChannel 1: Look,\n\nChannel 0: are\n\nChannel 1: as\n\nChannel 0: at\n\nChannel 1: I said\n\nChannel 0: for you.\n\nChannel 1: yeah. Look, I think where where I would probably wanna see this is, first, I wanna see, I guess, what is the, I guess, the commitment required and, obviously, what the size of the price is and what we, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: just give the understanding of that. Right? And then\n\nChannel 0: Mhmm.\n\nChannel 1: accordingly, I can then make a call on, right, you know, not now or maybe in three months, whatever it might be. So I think I would like to have a conversation on that sooner than later.\n\nChannel 0: Yep. Okay. And yeah. So so with the personal investment, usually, how we would work, it would be a matter of finding out what your goals are,\n\nChannel 1: Yeah.\n\nChannel 0: how much money we are looking at,\n\nChannel 1: Mhmm.\n\nChannel 0: time frames. And then based on that, that would then provide me with the direction of what type of investments because there's so many different things we can look at. So we\n\nChannel 1: Mhmm.\n\nChannel 0: obviously\n\nChannel 1: Yep.\n\nChannel 0: wanna tailor it to your goals and making sure that the recommendation put forth is aligning\n\nChannel 1: Yeah.\n\nChannel 0: with you. Now, obviously,\n\nChannel 1: Sure.\n\nChannel 0: we could do all that research and everything, and and that would show, obviously, fees and costs and everything like that before\n\nChannel 1: Yep.\n\nChannel 0: you could even, you know, decide what you'd want to do. But, usually,\n\nChannel 1: Yes.\n\nChannel 0: the first step would be for you to, I guess, decide what your priorities are and what the goals and objectives\n\nChannel 1: Yep.\n\nChannel 0: are. And then from that, we can put\n\nChannel 1: Yep.\n\nChannel 0: together a proposal\n\nChannel 1: Okay.\n\nChannel 0: more so that way. Is that does that make sense, Indi?\n\nChannel 1: Oh, it does. It does. So in\n\nChannel 0: Yes.\n\nChannel 1: in order to have that conversation,\n\nChannel 0: Yes.\n\nChannel 1: obviously, obviously, that's part of the scope of this meeting. I will probably have to schedule another meeting just to go\n\nChannel 0: Yes.\n\nChannel 1: through that, and I would\n\nChannel 0: Yeah.\n\nChannel 1: like you to go through that. Yes. Okay.\n\nChannel 0: Yeah. Okay. Perfect. Well, at the end, we'll have a look at some different time options\n\nChannel 1: Yeah.\n\nChannel 0: and can consider that together. Okay.\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Anything else otherwise that you're\n\nChannel 1: Otherwise,\n\nChannel 0: kinda working\n\nChannel 1: it's\n\nChannel 0: towards?\n\nChannel 1: look. I think the goals haven't changed. It's just it's\n\nChannel 0: Mhmm.\n\nChannel 1: taken a it's a bit of it's it's slowed down a bit or whatnot. So I'll probably\n\nChannel 0: Yep.\n\nChannel 1: say we're in a ramp up stage again. So yeah.\n\nChannel 0: Yep. Okay. Beautiful. Well, that kind of ties us into, obviously, your superannuation. So what I will go through next, first is just a bit of an updated risk profile questionnaire.\n\nChannel 1: Mhmm.\n\nChannel 0: You may remember going through that a couple of times, and it's basically just for me to see if your risk tolerance or anything has changed and if\n\nChannel 1: Yeah.\n\nChannel 0: we need to make any tweaks and changes to your risk profile. Now some\n\nChannel 1: Sure.\n\nChannel 0: of them can be a bit tricky because it's all hypothetical scenarios. Just trying to see and answer the best way that you can and what you think is most applicable to you. No\n\nChannel 1: Yep.\n\nChannel 0: right or wrong answer. It's all just multiple choice as well. Does that make sense?\n\nChannel 1: Sure. That's fine.\n\nChannel 0: Yep. Perfect. Now at the moment or previously, have you ever bought direct shares\n\nChannel 1: No.\n\nChannel 0: yourself?\n\nChannel 1: It's usually\n\nChannel 0: No.\n\nChannel 1: been something issued with the company or whatnot, but not trade shares. No.\n\nChannel 0: No. Okay. Perfect. And, obviously, time frames to superannuation. I have here that, ideally, you would like to start drawing an income from your super at 60, which is the earliest you can with the current legislation.\n\nIs that still\n\nChannel 1: Yep.\n\nChannel 0: kind of the the plan?\n\nChannel 1: Yep.\n\nChannel 0: Just take it when\n\nChannel 1: Yes.\n\nChannel 0: you can.\n\nChannel 1: Yep.\n\nChannel 0: Yep. No. Perfect. Otherwise, when it comes through the the level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk, or your superannuation to make sure it continues to to grow.\n\nChannel 1: What's the current profile at the moment?\n\nChannel 0: High\n\nChannel 1: Current\n\nChannel 0: growth.\n\nChannel 1: risk? Yeah. I\n\nChannel 0: High\n\nChannel 1: I think\n\nChannel 0: growth.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: what yeah. Correct. Yeah.\n\nChannel 0: Yep. So not, like, super, super, super high, but still, like,\n\nChannel 1: Yeah.\n\nChannel 0: kind of the second option. So not, like, aggressive,\n\nChannel 1: Yep.\n\nChannel 0: but still kind of high growth because you do still have, you know, plenty of time until you turn 60 to try to boost\n\nChannel 1: Yep.\n\nChannel 0: that as much as possible. And the other one is, obviously, when it comes to volatility, so fluctuations. Now\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due\n\nChannel 1: Mhmm.\n\nChannel 0: to general trends in the market. So not like one particular investment that's just gone really bad, just like the market as a whole. Now would you say, if you had the option to do so, that you would look through potentially invest a little bit more while the prices are down. Hold. Wait to see what happens.\n\nOr would you want to shift to a more secure asset, but that means you are then selling when the prices have already dropped?\n\nChannel 1: There'll be probably a combination of those. Obviously, one, looking at whether if something is undervalued, right, then\n\nChannel 0: Mhmm.\n\nChannel 1: looking at whether they can actually get some of that in. Right?\n\nChannel 0: Yep.\n\nChannel 1: File it slow.\n\nChannel 0: Yep.\n\nChannel 1: And also depending on what's gone down, whether it's and what the reason behind that is and whether it's\n\nChannel 0: Mhmm.\n\nChannel 1: worthwhile holding on to it, and do we just go on to get rid of it and go on to something else. Right?\n\nChannel 0: Yep. Yep.\n\nChannel 1: But but also that they I mean, over at over overlooking all that is is also monitoring how things are. So, yeah, it's a combination of\n\nChannel 0: Yeah.\n\nChannel 1: that depending on where where the downturn has come from and yeah.\n\nChannel 0: Yep. No. That's a very, very logical way of of looking at it, so\n\nChannel 1: Yep.\n\nChannel 0: that totally makes\n\nChannel 1: Yep.\n\nChannel 0: sense.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to investments dropping in value, so for example, superannuation or any other assets that you've had, obviously, the last twelve months, I'm sure you've obviously seen and and heard on the news. There's obviously been a bit of turbulence in the market. Obviously, everything that's going on in The US with Trump and tariffs and everything saw a bit of fluctuations. And, obviously, more recently with the war as well, we have seen fluctuations in the market or even going back to COVID. That was obviously quite a lot of fluctuation.\n\nNow if you ever noticed your superannuation temporarily fall in value, how did that make you feel? Would you say optimistic about potential investment opportunities, kind of a bit more neutral, not making further investments,\n\nChannel 1: Mhmm.\n\nChannel 0: or concerned or highly anxious?\n\nChannel 1: Once again, depending on where the Wild Health is coming from,\n\nChannel 0: Mhmm.\n\nChannel 1: right, I would stay neutral, but at the same time, we actively scanning and seeing if there are any opportunities for us to, I guess, both outstanding. Yep.\n\nChannel 0: Yep. Perfect. And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Yeah. Sure. It just\n\nChannel 0: Yep.\n\nChannel 1: depends on what the investment opportunities. Yep.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: all the\n\nChannel 0: Perfect.\n\nChannel 1: returns. Yep.\n\nChannel 0: Yep. Now that tells me here that you have come out as a high growth investor, which you could probably see, which is, like I said, the current portfolio we have you invested in.\n\nChannel 1: Yep.\n\nChannel 0: Now do you remember what it means to be a high growth investor at all?\n\nChannel 1: Let me refresh me. Sorry. Yeah. Yep.\n\nChannel 0: Yeah. No. That's okay. Essentially, it tells me that you are looking at getting as much growth as you possibly can out of superannuation while you still have\n\nChannel 1: Mhmm.\n\nChannel 0: plenty of time until retirement. But\n\nChannel 1: Yep.\n\nChannel 0: at the same time that you are comfortable seeing a bit of short term fluctuation\n\nChannel 1: Yep.\n\nChannel 0: in order to achieve that growth. Now\n\nChannel 1: Yep.\n\nChannel 0: when we are also then looking at how the money's invested, we\n\nChannel 1: Mhmm.\n\nChannel 0: typically see 90% invested\n\nChannel 1: Mhmm.\n\nChannel 0: in what we would call your growth assets. So that's a combination\n\nChannel 1: Mhmm.\n\nChannel 0: of, like, Australian shares, international shares, as well as property as well. And that\n\nChannel 1: Yep.\n\nChannel 0: is ultimately what is going to maximize those return for you. And then about\n\nChannel 1: Yep.\n\nChannel 0: 10% in defensive limit fluctuations a little bit, but the main focus is obviously growth. And those\n\nChannel 1: Yep.\n\nChannel 0: defensive would be a combination of, like, fixed interest, gold, and cash. Does that all make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And are you still comfortable with that high growth risk profile?\n\nChannel 1: Yep. That's fine. Yep.\n\nChannel 0: Yep. Yep. Perfect. And, also, when we are looking at, like, a time frame, so making sure you have enough time in the market for those short term fluctuations, High growth portfolio would typically want to see at least eight years till retirement, which you do have behind you. So from a time frame point of view, it's a really good, position for you as well.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now did you have access to your emails at the moment?\n\nChannel 1: Yep. Not\n\nChannel 0: Yep.\n\nChannel 1: straight away, but, yeah, I can. Yeah.\n\nChannel 0: Yeah. So what I have done is I have sent you an email with some documents. Now I\n\nChannel 1: Mhmm.\n\nChannel 0: will go through them with you now over the phone, but if you don't have access to them right now, then\n\nChannel 1: Yes.\n\nChannel 0: I'm more than happy for you to just have, obviously, review over them later when you have a bit more time. And if you then have any questions, you can always just give me a callback or send me an email. Is that okay?\n\nChannel 1: Sure. That's fine.\n\nChannel 0: Yep. Perfect. Now in the documents so we have also changed software a little bit. So it might look slightly different to what you are used to, but it's kind of the same concept where you can obviously access and sign it digitally. So when you get the email and have a look at the spam folder as well if it's the first time through this software.\n\nBut, basically, when you click on the email, it will say sign document. You will just have to click on the link first, and that will open up all the documents for you to view. And it's only at the end, it will ask you to sign if you're happy to do so. So clicking on the link doesn't automatically mean that you you have to sign right away. Does that make\n\nChannel 1: Sure.\n\nChannel 0: sense?\n\nChannel 1: Okay. Yeah. Good. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now what you will see is the first document is just a bit of a summary of your superannuation and your insurances. So with\n\nChannel 1: Mhmm.\n\nChannel 0: your\n\nChannel 1: Yep.\n\nChannel 0: superannuation at the moment, you have it with hub twenty four, and you do\n\nChannel 1: Yep.\n\nChannel 0: have about a $120,711 in there.\n\nChannel 1: Yes.\n\nChannel 0: Now with your insurances as well, you do have a bit of insurance with TEL.\n\nChannel 1: Yes.\n\nChannel 0: Now for your life insurance, you have 2,320,000\n\nChannel 1: Mhmm.\n\nChannel 0: 763. For your total permanent disability insurance, you have 2,448,653. This is all in the documents too, so you don't have to remember\n\nChannel 1: Yep.\n\nChannel 0: it because there's obviously\n\nChannel 1: Yep.\n\nChannel 0: a lot of numbers. Now with life and KPD, are you still happy with that level of cover that you are covered for, or what are your thoughts on how much cover you\n\nChannel 1: Yep.\n\nChannel 0: have in place?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. K.\n\nChannel 0: Now next is obviously your income protection. So\n\nChannel 1: Mhmm.\n\nChannel 0: with your income protection, it will pay you a monthly amount. Now at the moment, you are covered for $10,211 per month. So I did quickly just check while we were on the phone to see how that matches your new income, and it's pretty\n\nChannel 1: Yep.\n\nChannel 0: pretty split spot on. So on 70\n\nChannel 1: Yep.\n\nChannel 0: percent max, it's about 10,500, so very similar, which is good. Because if there's a big\n\nChannel 1: Okay.\n\nChannel 0: discrepancy, then we might want to make adjustments so you're not paying too much for cover you can't claim or if you are significantly underinsured. But it basically\n\nChannel 1: Sure. Yep.\n\nChannel 0: lines up, which is really good.\n\nChannel 1: Yep.\n\nChannel 0: Now with your income protection as well, you do have a thirty day waiting period, which means you have to wait that thirty days before you can claim on it, and you have the benefit period all the way up to the age of 65. So very comprehensive.\n\nChannel 1: Yep.\n\nChannel 0: Now all those three combined, you do get a 15% tax rebate, and that's about $4,280 after that rebate.\n\nChannel 1: Sure.\n\nChannel 0: Now you also have trauma insurance, which you\n\nChannel 1: Uh-huh.\n\nChannel 0: pay for out of pocket, and that is covering you for a 127,890 if something were to happen. And the monthly premium is about $60.60 per month.\n\nChannel 1: Alright.\n\nChannel 0: Yep. Any questions with your insurances? Yep. Perfect. Now the next document you will see, it is a performance report.\n\nNow it basically gives you a bit of a snapshot over your portfolio net of fees over the last twelve months. Now it breaks down all your individual investments, how they have performed, how much you have in\n\nChannel 1: Yep.\n\nChannel 0: each option. Now I kind of touched on earlier that, obviously, the market have seen a bit of turbulence in the last twelve months, especially, obviously, being in a high growth portfolio, you can see a little bit of more of those fluctuations. But in saying\n\nChannel 1: Yep.\n\nChannel 0: that, though, overall, your portfolio has done pretty good considering the market fluctuations. So\n\nChannel 1: Yep.\n\nChannel 0: in the last twelve months, it's still net of fees. It's still up by 8.45%, which we're actually\n\nChannel 1: Yep.\n\nChannel 0: quite happy with.\n\nChannel 1: Yep.\n\nChannel 0: Now there is one investment that I would like to look at changing for you if you are happy to do so, and that\n\nChannel 1: Which\n\nChannel 0: is\n\nChannel 1: is?\n\nChannel 0: your Benelong Australian Equity Fund. Now when you have a look at the performance report, on the second column to the right, it actually shows you all of your investments and how they have performed. Some of them have been absolutely crazy, especially your global ex battery tech and lithium. Obviously, a lot of fuel prices, electric vehicles kind of shot through the roof. Sorry.\n\nThat\n\nChannel 1: Yep.\n\nChannel 0: one has gone up about 71%, which is pretty crazy. So\n\nChannel 1: Yep.\n\nChannel 0: there is one investment that is underperforming at the moment, which is your Bennelong Australian Equity.\n\nChannel 1: Sure.\n\nChannel 0: Now, Indi, are you quite familiar with a different type of investments, like a direct share managed funds ETF?\n\nChannel 1: Yeah. Yeah. I do. I do.\n\nChannel 0: Yeah. Okay. Perfect. So Bennelong is your managed fund. It's the the only managed fund you have in there.\n\nSo, obviously, the function of that one is to actively buy and sell different investments in order to try to outperform the market. Now they have\n\nChannel 1: Yep.\n\nChannel 0: been very successful in doing so, which is why it was originally added to your portfolio. But at\n\nChannel 1: Yep.\n\nChannel 0: the same time, kind of like you touched on as well, we also want to be proactive with your investment. And if\n\nChannel 1: Sure.\n\nChannel 0: we do a lot of research on your investments and we just see one underperforming a little bit, and we don't believe it's necessarily going to be the best option moving forward, we want to be proactive.\n\nChannel 1: Okay.\n\nChannel 0: So the investment committee have done a lot of research on the investment and have found another option to swap it for if you\n\nChannel 1: Mhmm.\n\nChannel 0: are happy with that. So, basically, what it is is then swapping Benelon. Because it invests in Australian market, we wanna still make sure you have some exposure to the Australian market. So\n\nChannel 1: Sure.\n\nChannel 0: they were looking at another option that was basically giving you that exposure, but was performing a little bit better and a little bit cheaper as well. So the one that\n\nChannel 1: Okay.\n\nChannel 0: they found to be more a little bit better was called your beta shares eight two hundred. I never heard of that one.\n\nChannel 1: No. It's\n\nChannel 0: It\n\nChannel 1: like\n\nChannel 0: was called no.\n\nChannel 1: what's\n\nChannel 0: That's\n\nChannel 1: it called?\n\nChannel 0: okay. A beta shares.\n\nChannel 1: Yeah. Beta.\n\nChannel 0: A beta. So, like,\n\nChannel 1: Beta.\n\nChannel 0: alpha\n\nChannel 1: Yeah.\n\nChannel 0: beta. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beta\n\nChannel 1: Yeah. Yeah. Beta.\n\nChannel 0: shares.\n\nChannel 1: Share. Yep.\n\nChannel 0: Yep. A 200. So what\n\nChannel 1: So it's\n\nChannel 0: that\n\nChannel 1: actually\n\nChannel 0: is\n\nChannel 1: a ETF.\n\nChannel 0: correct. So\n\nChannel 1: Yep.\n\nChannel 0: which is why it's a little bit cheaper. So\n\nChannel 1: Yep.\n\nChannel 0: what it is is obviously investing in the a 200. So the 200 largest companies listed on the ASX. Obviously,\n\nChannel 1: Sure.\n\nChannel 0: very diversified for you. Because you don't have that same kind of active buying and selling, you you can see, obviously, a little bit more less volatility as a result. And with\n\nChannel 1: Mhmm.\n\nChannel 0: the active management, if they are outperforming, then it's it's worth potentially spending a little bit more for the active management. But if they're underperforming in regards through, you know, ETF and index, then you don't wanna necessarily pay more for it if they're not then outperforming those a little bit more passive investment. Does\n\nChannel 1: Okay.\n\nChannel 0: that make sense so far?\n\nChannel 1: Yeah. It does. Yep.\n\nChannel 0: Yep. Yep. So, basically, the yeah. And the investment committee, committee, and we've\n\nChannel 1: Mhmm.\n\nChannel 0: done a little research on it. So we would like to look at changing your straight over through a 200 if that is something that you are happy with.\n\nChannel 1: Yeah. So is there any implications, any any initial cost, or is this pretty much transferring funds across one to the other?\n\nChannel 0: It will be transferring cost to the other, but what I will do before is I want to check the transaction fee. So because\n\nChannel 1: Yeah.\n\nChannel 0: Bennelong is down at the moment, there shouldn't be any capital gains tax associated with the change. But when\n\nChannel 1: Yeah.\n\nChannel 0: I do up the record of advice, it's called, You don't have to sign it, but I'm happy to email it to you first and for you to respond to the email to say that\n\nChannel 1: Yep.\n\nChannel 0: you are happy to proceed before I go ahead with it. It will\n\nChannel 1: Yeah.\n\nChannel 0: show\n\nChannel 1: Just one.\n\nChannel 0: you,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, it will show you the transaction fees. Usually, it's between depending on, obviously, how much it's usually between, like, 10 and maybe $12 in transaction fees to make the trade,\n\nChannel 1: Yeah.\n\nChannel 0: but it will be outlined in that record of advice for you. And I will hold off until you've reviewed it and responded via email, if that's okay, or you can call me before\n\nChannel 1: Yep.\n\nChannel 0: we were through to change it just to make sure you\n\nChannel 1: Yeah.\n\nChannel 0: are happy\n\nChannel 1: So\n\nChannel 0: with it. And\n\nChannel 1: okay.\n\nChannel 0: then you\n\nChannel 1: Since\n\nChannel 0: can look\n\nChannel 1: it's\n\nChannel 0: into\n\nChannel 1: answer\n\nChannel 0: it as well.\n\nChannel 1: yeah. So that so is it is that the kind of magnitude of fee change over looking at?\n\nChannel 0: Correct. Yes. So it'd\n\nChannel 1: Typically\n\nChannel 0: be about\n\nChannel 1: okay.\n\nChannel 0: 12\n\nChannel 1: I look\n\nChannel 0: dollars\n\nChannel 1: at\n\nChannel 0: or\n\nChannel 1: it. Yeah.\n\nChannel 0: something like that. Yeah.\n\nChannel 1: That's fine. Yeah. Okay. Yeah.\n\nChannel 0: Yes. Would you if it's around the $12 or less, would you happy for me to just\n\nChannel 1: Yeah.\n\nChannel 0: action\n\nChannel 1: Go\n\nChannel 0: it,\n\nChannel 1: ahead.\n\nChannel 0: or do you still wanna\n\nChannel 1: Yeah.\n\nChannel 0: review it first?\n\nChannel 1: No. No. No. No. Just\n\nChannel 0: No.\n\nChannel 1: go\n\nChannel 0: Okay.\n\nChannel 1: ahead. That's fine.\n\nChannel 0: Yep. Perfect. If there's anything changes, though, I will hold off. But, typically,\n\nChannel 1: Yeah. If there's\n\nChannel 0: the ones\n\nChannel 1: anything untoward where it's gonna cost a bit of a significant shock, then I would like to know. But otherwise yeah. Great.\n\nChannel 0: of course.\n\nChannel 1: Go ahead.\n\nChannel 0: And if it was going to cost you a significant amount, then we wouldn't potentially look to do this change for you anyway because we wanna make sure\n\nChannel 1: Yep.\n\nChannel 0: it's obviously in your best interest. So\n\nChannel 1: Yep.\n\nChannel 0: having\n\nChannel 1: Okay.\n\nChannel 0: a look at it, it shouldn't be it should be, like, yeah, around $12 for the trade. I will send it to you. If it's around that figure, I will proceed with it. If it's a lot higher, which I doubt, I will give you a call\n\nChannel 1: Yep.\n\nChannel 0: and send it to you just to triple check it first.\n\nChannel 1: Thank you. That's fine.\n\nChannel 0: Yep. No problem. Now what you will also have in those documents is just the Vanguard index tab. Seems like you're pretty familiar with the market, which\n\nChannel 1: Yep.\n\nChannel 0: is good, but that one is just there as a visual representation just to kind of show you the market fluctuations and how the market moves.\n\nChannel 1: Okay.\n\nChannel 0: Now you will also have your child certificate of currency. Again, just breaks down your insurances in a bit more detail, but lets you know that's all paid and up to date.\n\nChannel 1: Yep.\n\nChannel 0: You will also have the OQ services guide. Again, you would have seen this a couple of times. It is one of those compliance documents, but it is it is good because it gives you all the important information in regards to us here at OQ Financial. If you do have a bit of a read over it, you will also see we've had a bit of an extension to the team, which is good, and also some updated marketing. If you have it, scroll through it.\n\nYou can also find myself on page 10,\n\nChannel 1: Yep.\n\nChannel 0: I believe, if you do wanna put a face to the voice.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now the last two documents, now these are the ones it will ask you to sign if you are happy to do so. One is a tax file number form. It is just a compliance form to say we are keeping your tax file number secure and safe on file. And the last one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.\n\nNow indeed, there is no\n\nChannel 1: Yep.\n\nChannel 0: changes in regards to the fee structure. So we\n\nChannel 1: Yep.\n\nChannel 0: haven't increased it or anything. It stays exactly the same at 1.65 from super. So no\n\nChannel 1: Yep.\n\nChannel 0: changes in regards to it. And there is also, same as last time, it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing it, it basically allows us to manage all your investments and everything for you in the meantime.\n\nChannel 1: Yes.\n\nChannel 0: Do you have any questions in regards to any of those documents so\n\nChannel 1: Yeah.\n\nChannel 0: far?\n\nChannel 1: Yeah. That's no problem. But didn't I sign an agreement only in the recent part? Maybe six within the last six months?\n\nChannel 0: Let me have a look here. I think you sent one you signed one I think it was a little bit over six months ago,\n\nChannel 1: Mhmm.\n\nChannel 0: but I think we were running a little bit behind on the annual reviews because, obviously, the flood and\n\nChannel 1: Yep.\n\nChannel 0: everything we had up in Queensland. So we're now kind of going back into that twelve month rotation for you. So if you sign, obviously, this new one, it will just cancel out the the the old one, and it\n\nChannel 1: Sure.\n\nChannel 0: will\n\nChannel 1: Right.\n\nChannel 0: just stay for the next twelve months. So it's not like you are double double handling\n\nChannel 1: Oh,\n\nChannel 0: or anything\n\nChannel 1: yeah.\n\nChannel 0: like that.\n\nChannel 1: Yeah.\n\nChannel 0: It's just\n\nChannel 1: Okay.\n\nChannel 0: one replaces\n\nChannel 1: Yeah.\n\nChannel 0: the other, essentially. But that's a very\n\nChannel 1: Sure.\n\nChannel 0: good question.\n\nChannel 1: Yeah.\n\nChannel 0: But, again, not a lock in contract. But that is essentially all the documents\n\nChannel 1: Mhmm.\n\nChannel 0: from from my end. So when you have a moment, have a read through them. If you have any questions, let me know. If not, I will just ask you to sign those through through documents there, which should have a signature attached to make it nice and easy. Any\n\nChannel 1: Yep.\n\nChannel 0: questions, though, let me know. I will also do that record of advice and send it through to you. And like I said, if\n\nChannel 1: Yep.\n\nChannel 0: it's around the $12 or so, I will just tell the investment team to go ahead and make that change. If there's\n\nChannel 1: Yep.\n\nChannel 0: anything if it if it's very different to what I've told you, I will email it regardless that'll call you just to make sure before we make any changes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now the other thing is then, obviously, your your personal investments. So when would you like to look to have that conversation?\n\nChannel 1: How long do you need for that? Do we need to have a time allocated for that?\n\nChannel 0: So it probably will take maybe about half hour or so for for the\n\nChannel 1: Okay.\n\nChannel 0: conversation. And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Sure.\n\nChannel 0: following that conversation, I will go and do, you know, different research and stuff for different investment options for you.\n\nChannel 1: Shops. Okay. It'd probably be let's keep it on Friday, perhaps. Right?\n\nChannel 0: I don't work Fridays, unfortunately.\n\nChannel 1: Okay. What days do you have?\n\nChannel 0: So Monday to Thursday. Thursdays, I work late nights as well, so I can accommodate later appointments.\n\nChannel 1: Fine. Since you're late, what's you're a bit slim based, aren't you? So what's\n\nChannel 0: Yes.\n\nChannel 1: the latest appointment from your\n\nChannel 0: So\n\nChannel 1: end?\n\nChannel 0: the latest appointment I can do on a Thursday would be 05:30 my time, which would obviously\n\nChannel 1: Which\n\nChannel 0: be\n\nChannel 1: is\n\nChannel 0: two hours earlier for you. So\n\nChannel 1: three\n\nChannel 0: that will\n\nChannel 1: thirty\n\nChannel 0: be\n\nChannel 1: for five,\n\nChannel 0: three\n\nChannel 1: sir.\n\nChannel 0: thirty.\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: That's\n\nChannel 1: That's alright.\n\nChannel 0: fine? Okay.\n\nChannel 1: Yep.\n\nChannel 0: Now let me have a look here because they do book out the quickest. Let me see. I could do Thursday, July 23. That's in two weeks' time at that 03:30 mark. Would that be okay with you?\n\nChannel 1: Mhmm. Yeah. If\n\nChannel 0: Yes.\n\nChannel 1: if\n\nChannel 0: Okay.\n\nChannel 1: I could secure that and if I get a reminder,\n\nChannel 0: Yes.\n\nChannel 1: please, early in the week, that'd be great.\n\nChannel 0: Yes. Perfect. So I'll book that in on Thursday, the twenty third. That will be 03:30 your time. I will get the team to send you a text reminder on the Monday.\n\nChannel 1: Yep.\n\nChannel 0: And if anything does change and you can't make it, just let me know because we can always just reschedule and change it.\n\nChannel 1: Thank you.\n\nChannel 0: Yep. Perfect. Now do you have any questions before I let\n\nChannel 1: Yay.\n\nChannel 0: you go and enjoy the rest of your afternoon otherwise?\n\nChannel 1: Look. I just want one question with so it's\n\nChannel 0: Mhmm.\n\nChannel 1: it's it's always half twenty four here with regards to the the super.\n\nChannel 0: What do you mean? If it's always up twenty four? Not always because it's very tailored and specific through to each client. So we\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: Okay.\n\nChannel 0: and do research on all super funds all the time to make sure that is still the best option. Now,\n\nChannel 1: No. No. The reason I asked that was so right now, through my employer, my super employee is half 20\n\nChannel 0: yes.\n\nChannel 1: four.\n\nChannel 0: Correct.\n\nChannel 1: Right?\n\nChannel 0: Yes.\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Okay. And\n\nChannel 0: Yes.\n\nChannel 1: where I'm coming to with that is I've actually I think my login for that has expired on or I just need assistance with that. So\n\nChannel 0: Yes.\n\nChannel 1: whoever can help me with that or set me up with that would be great, please.\n\nChannel 0: Yes. So do you have a a paper or a or a pen or\n\nChannel 1: Yeah.\n\nChannel 0: notes\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: your phone?\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: yeah. I can\n\nChannel 0: So,\n\nChannel 1: I can do that, ma'am? One second.\n\nChannel 0: yep, so with login, it's it's it's quite easy. I use 24 for my personal super as well.\n\nChannel 1: Yep.\n\nChannel 0: So what you need is a login ID. So I will read out this number when you are ready.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So it's 1 37047\n\nChannel 1: Mhmm.\n\nChannel 0: 85.\n\nChannel 1: Okay.\n\nChannel 0: So that is your login ID. So when you do you have the app on\n\nChannel 1: I\n\nChannel 0: your phone usually, or do you go on the computer?\n\nChannel 1: need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so\n\nChannel 0: Okay.\n\nChannel 1: the public app is deactivated. Yep.\n\nChannel 0: Yeah. But when you go like, if you go and redownload the app, it will ask for your login ID and password. Login ID\n\nChannel 1: No.\n\nChannel 0: is what I just told you. Password,\n\nChannel 1: Mhmm.\n\nChannel 0: if, obviously, you don't know, you can just do reset password. And then you can just go through the security process\n\nChannel 1: Okay. Process.\n\nChannel 0: of, obviously, resetting that. Yeah.\n\nChannel 1: Yep. Okay. That's\n\nChannel 0: But if you do have\n\nChannel 1: fine.\n\nChannel 0: any issues, just call the office,\n\nChannel 1: Yep.\n\nChannel 0: and and we can\n\nChannel 1: Yep.\n\nChannel 0: kinda guide you. But, yeah, login ID is what you need.\n\nChannel 1: Thank you very much for that. That's\n\nChannel 0: Yep.\n\nChannel 1: all I need. Yep.\n\nChannel 0: No problem. Well, otherwise, I look forward to speaking with you in about two weeks' time. Have a look through those documents when you have a moment, and keep a lookout for that email. But, otherwise,\n\nChannel 1: Yep. Yep.\n\nChannel 0: I will let you go and enjoy your afternoon, and I look forward\n\nChannel 1: Thank\n\nChannel 0: to\n\nChannel 1: you\n\nChannel 0: speaking\n\nChannel 1: very much.\n\nChannel 0: with you on Thursday, the twenty third.\n\nChannel 1: Thank you. Have a good day. Bye.\n\nChannel 0: No worries. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.05047977715730667}],"sentiment":"neutral","sentiment_score":0.05047977715730667,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8799999,"sentiment":"positive","sentiment_score":0.3663519322872162},{"text":"This is Veronica from Financial.","start":2.8799999,"end":4.26,"sentiment":"neutral","sentiment_score":0.24248876869678498},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.16963149110476175}],"sentiment":"neutral","sentiment_score":0.24540421813726426,"channel":0,"num_words":10,"start":2.1599998,"end":5.62},{"sentences":[{"text":"Hi.","start":6.72,"end":6.96,"sentiment":"neutral","sentiment_score":0.11552071571350098},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.11803425351778667}],"sentiment":"neutral","sentiment_score":0.11740586906671524,"channel":1,"num_words":4,"start":6.72,"end":7.8599997},{"sentences":[{"text":"Yeah.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.24098405241966248},{"text":"Good.","start":8.559999,"end":8.8,"sentiment":"positive","sentiment_score":0.5562474131584167},{"text":"Thanks.","start":8.8,"end":9.12,"sentiment":"positive","sentiment_score":0.6152857542037964},{"text":"How are you?","start":9.12,"end":9.86,"sentiment":"positive","sentiment_score":0.3582674264907837}],"sentiment":"positive","sentiment_score":0.41455324987570447,"channel":0,"num_words":6,"start":8.24,"end":9.86},{"sentences":[{"text":"I'm good.","start":10.4,"end":10.88,"sentiment":"positive","sentiment_score":0.6244843304157257},{"text":"Thank you.","start":10.88,"end":11.62,"sentiment":"positive","sentiment_score":0.7634162604808807}],"sentiment":"positive","sentiment_score":0.6939502954483032,"channel":1,"num_words":4,"start":10.4,"end":11.62},{"sentences":[{"text":"That's good.","start":12.08,"end":13.139999,"sentiment":"positive","sentiment_score":0.7488696277141571},{"text":"I had you booked in to go over your annual review.","start":14.304999,"end":16.865,"sentiment":"positive","sentiment_score":0.4574034186926755},{"text":"Is now still a good time for you?","start":16.865,"end":18.485,"sentiment":"positive","sentiment_score":0.36490342766046524}],"sentiment":"positive","sentiment_score":0.44992401344435556,"channel":0,"num_words":21,"start":12.08,"end":18.485},{"sentences":[{"text":"Yeah.","start":18.985,"end":19.225,"sentiment":"neutral","sentiment_score":0.1911444067955017},{"text":"It's fine.","start":19.225,"end":19.705,"sentiment":"neutral","sentiment_score":0.2318345457315445},{"text":"Yeah.","start":19.705,"end":19.945,"sentiment":"neutral","sentiment_score":0.26953214406967163},{"text":"We can do that.","start":19.945,"end":20.845,"sentiment":"positive","sentiment_score":0.3476739153265953}],"sentiment":"neutral","sentiment_score":0.28938016295433044,"channel":1,"num_words":8,"start":18.985,"end":20.845},{"sentences":[{"text":"Yep.","start":20.545,"end":21.045,"sentiment":"neutral","sentiment_score":0.2421583831310272},{"text":"Perfect.","start":21.345,"end":21.845,"sentiment":"positive","sentiment_score":0.4859853684902191},{"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":22.305,"end":30.04,"sentiment":"neutral","sentiment_score":0.054231301206966925},{"text":"Perfect.","start":31.78,"end":32.28,"sentiment":"positive","sentiment_score":0.34777724742889404},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":32.74,"end":42.6,"sentiment":"neutral","sentiment_score":0.08359135506731091}],"sentiment":"neutral","sentiment_score":0.08318682232728371,"channel":0,"num_words":65,"start":20.545,"end":42.6},{"sentences":[{"text":"Sure.","start":42.66,"end":43.059998,"sentiment":"neutral","sentiment_score":0.02887873724102974},{"text":"Hendership Lancome, 20 6 to Number 80321 Street, Victoria Park.","start":43.059998,"end":47.535,"sentiment":"neutral","sentiment_score":0.046573965810239315}],"sentiment":"neutral","sentiment_score":0.0449653086675839,"channel":1,"num_words":11,"start":42.66,"end":47.535},{"sentences":[{"text":"Perfect.","start":48.705,"end":49.205,"sentiment":"positive","sentiment_score":0.40177229046821594},{"text":"And how's your morning been?","start":49.265003,"end":50.705,"sentiment":"neutral","sentiment_score":0.13683256804943084},{"text":"Been busy or pretty","start":50.705,"end":52.305,"sentiment":"neutral","sentiment_score":0.052146211732178926}],"sentiment":"neutral","sentiment_score":0.12945199776440858,"channel":0,"num_words":10,"start":48.705,"end":52.305},{"sentences":[{"text":"Yeah.","start":52.074997,"end":52.394997,"sentiment":"neutral","sentiment_score":0.11067398637533188}],"sentiment":"neutral","sentiment_score":0.11067398637533188,"channel":1,"num_words":1,"start":52.074997,"end":52.394997},{"sentences":[{"text":"easy?","start":52.305,"end":52.805,"sentiment":"neutral","sentiment_score":0.12690332531929016}],"sentiment":"neutral","sentiment_score":0.12690332531929016,"channel":0,"num_words":1,"start":52.305,"end":52.805},{"sentences":[{"text":"Yeah.","start":52.394997,"end":52.795,"sentiment":"neutral","sentiment_score":0.13820628821849823},{"text":"If you if you know, I just got my day off today, so, yeah, cool holidays here.","start":52.795,"end":57.07,"sentiment":"neutral","sentiment_score":0.17085683915544958},{"text":"So yeah.","start":57.07,"end":57.934998,"sentiment":"neutral","sentiment_score":0.16422300785779953}],"sentiment":"neutral","sentiment_score":0.16856092847883702,"channel":1,"num_words":20,"start":52.394997,"end":57.934998},{"sentences":[{"text":"Yeah.","start":57.84,"end":58.34,"sentiment":"neutral","sentiment_score":0.1921314150094986}],"sentiment":"neutral","sentiment_score":0.1921314150094986,"channel":0,"num_words":1,"start":57.84,"end":58.34},{"sentences":[{"text":"Yeah.","start":58.635,"end":59.135,"sentiment":"neutral","sentiment_score":0.32305991649627686}],"sentiment":"neutral","sentiment_score":0.32305991649627686,"channel":1,"num_words":1,"start":58.635,"end":59.135},{"sentences":[{"text":"That's nice.","start":58.64,"end":60.72,"sentiment":"positive","sentiment_score":0.5961862206459045},{"text":"Now, India, before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions or just kind","start":60.72,"end":72.975,"sentiment":"neutral","sentiment_score":0.05339450752806096}],"sentiment":"neutral","sentiment_score":0.07806685812432658,"channel":0,"num_words":44,"start":58.64,"end":72.975},{"sentences":[{"text":"Look,","start":72.885,"end":73.045,"sentiment":"neutral","sentiment_score":-0.009563645347952844}],"sentiment":"neutral","sentiment_score":-0.009563645347952844,"channel":1,"num_words":1,"start":72.885,"end":73.045},{"sentences":[{"text":"of","start":72.975,"end":73.134995,"sentiment":"neutral","sentiment_score":-0.026870161294937137}],"sentiment":"neutral","sentiment_score":-0.026870161294937137,"channel":0,"num_words":1,"start":72.975,"end":73.134995},{"sentences":[{"text":"I","start":73.045,"end":73.205,"sentiment":"neutral","sentiment_score":-0.01945103704929352}],"sentiment":"neutral","sentiment_score":-0.01945103704929352,"channel":1,"num_words":1,"start":73.045,"end":73.205},{"sentences":[{"text":"see","start":73.134995,"end":73.295,"sentiment":"neutral","sentiment_score":-0.014394089579582214}],"sentiment":"neutral","sentiment_score":-0.014394089579582214,"channel":0,"num_words":1,"start":73.134995,"end":73.295},{"sentences":[{"text":"think","start":73.205,"end":73.604996,"sentiment":"neutral","sentiment_score":-0.03315731883049011}],"sentiment":"neutral","sentiment_score":-0.03315731883049011,"channel":1,"num_words":1,"start":73.205,"end":73.604996},{"sentences":[{"text":"where everything's at.","start":73.295,"end":74.595,"sentiment":"neutral","sentiment_score":-0.02251619224747022}],"sentiment":"neutral","sentiment_score":-0.02251619224747022,"channel":0,"num_words":3,"start":73.295,"end":74.595},{"sentences":[{"text":"yeah.","start":74.965,"end":75.284996,"sentiment":"neutral","sentiment_score":0.05768942832946777},{"text":"I'm just wanting to see how it's","start":75.284996,"end":77.205,"sentiment":"neutral","sentiment_score":0.07569444605282374}],"sentiment":"neutral","sentiment_score":0.07344381883740425,"channel":1,"num_words":8,"start":74.965,"end":77.205},{"sentences":[{"text":"Yep.","start":76.895,"end":77.395,"sentiment":"neutral","sentiment_score":0.11454477161169052}],"sentiment":"neutral","sentiment_score":0.11454477161169052,"channel":0,"num_words":1,"start":76.895,"end":77.395},{"sentences":[{"text":"gone so far.","start":77.205,"end":78.185,"sentiment":"neutral","sentiment_score":0.125624251862367},{"text":"That's one.","start":78.244995,"end":78.885,"sentiment":"neutral","sentiment_score":0.12237098813056946}],"sentiment":"neutral","sentiment_score":0.12432294636964798,"channel":1,"num_words":5,"start":77.205,"end":78.885},{"sentences":[{"text":"Yep.","start":78.735,"end":79.235,"sentiment":"neutral","sentiment_score":0.07924023270606995}],"sentiment":"neutral","sentiment_score":0.07924023270606995,"channel":0,"num_words":1,"start":78.735,"end":79.235},{"sentences":[{"text":"And secondly, there was an email that came through not so recent past from Oakview with regards to, I guess, other investment opportunities or something along those lines.","start":78.885,"end":91.43,"sentiment":"neutral","sentiment_score":0.018410445457058295},{"text":"I'm not wasn't sure what that was.","start":91.43,"end":93.45,"sentiment":"neutral","sentiment_score":-0.08273679177675929},{"text":"I probably already got the email.","start":94.71,"end":95.91,"sentiment":"neutral","sentiment_score":-0.03438331559300423},{"text":"But look, I think it is a starting point, see how we're going in, is there a new room for improvement, right, and","start":95.91,"end":100.33,"sentiment":"neutral","sentiment_score":0.05377144560865734}],"sentiment":"neutral","sentiment_score":0.015105910715647042,"channel":1,"num_words":64,"start":78.885,"end":100.33},{"sentences":[{"text":"Yes.","start":100.045,"end":100.545,"sentiment":"neutral","sentiment_score":0.10995696485042572}],"sentiment":"neutral","sentiment_score":0.10995696485042572,"channel":0,"num_words":1,"start":100.045,"end":100.545},{"sentences":[{"text":"anything else we need to look out for, basically, considering where we are and, yeah, just adding 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sent","start":475.62,"end":476.18,"sentiment":"neutral","sentiment_score":-0.09387070685625076}],"sentiment":"neutral","sentiment_score":-0.09387070685625076,"channel":1,"num_words":3,"start":475.62,"end":476.18},{"sentences":[{"text":"in","start":475.88,"end":476.04,"sentiment":"neutral","sentiment_score":-0.08027590066194534}],"sentiment":"neutral","sentiment_score":-0.08027590066194534,"channel":0,"num_words":1,"start":475.88,"end":476.04},{"sentences":[{"text":"through a filled up form when I signed up, didn't I?","start":476.18,"end":479.80002,"sentiment":"neutral","sentiment_score":-0.07534900239922783}],"sentiment":"neutral","sentiment_score":-0.07534900239922783,"channel":1,"num_words":11,"start":476.18,"end":479.80002},{"sentences":[{"text":"let me triple check-in the system.","start":480.91998,"end":482.68,"sentiment":"neutral","sentiment_score":-0.055844055488705635},{"text":"But sometimes, you never know with us us 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I","start":1456.5499,"end":1457.03,"sentiment":"neutral","sentiment_score":0.08922530338168144}],"sentiment":"neutral","sentiment_score":0.09949923968977398,"channel":0,"num_words":18,"start":1450.605,"end":1457.03},{"sentences":[{"text":"Mhmm.","start":1456.95,"end":1457.45,"sentiment":"neutral","sentiment_score":0.0909552276134491}],"sentiment":"neutral","sentiment_score":0.0909552276134491,"channel":1,"num_words":1,"start":1456.95,"end":1457.45},{"sentences":[{"text":"will go through them with you now over the phone, but if you don't have access to them right now, 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and enjoy the rest of your afternoon otherwise?","start":2428.825,"end":2431.4849,"sentiment":"positive","sentiment_score":0.516315472126007}],"sentiment":"positive","sentiment_score":0.516315472126007,"channel":0,"num_words":10,"start":2428.825,"end":2431.4849},{"sentences":[{"text":"Look.","start":2432.2349,"end":2432.635,"sentiment":"neutral","sentiment_score":0.03260643035173416},{"text":"I just want one question with so it's","start":2432.635,"end":2434.4749,"sentiment":"neutral","sentiment_score":-0.0036167179350741208}],"sentiment":"neutral","sentiment_score":0.00040807631901568854,"channel":1,"num_words":9,"start":2432.2349,"end":2434.4749},{"sentences":[{"text":"Mhmm.","start":2434.425,"end":2434.925,"sentiment":"neutral","sentiment_score":-0.005481981672346592}],"sentiment":"neutral","sentiment_score":-0.005481981672346592,"channel":0,"num_words":1,"start":2434.425,"end":2434.925},{"sentences":[{"text":"it's it's always half twenty four here with regards to the the 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have","start":2551.35,"end":2552.23,"sentiment":"neutral","sentiment_score":0.060594483464956286}],"sentiment":"neutral","sentiment_score":0.060594483464956286,"channel":0,"num_words":5,"start":2551.35,"end":2552.23},{"sentences":[{"text":"fine.","start":2552.23,"end":2552.73,"sentiment":"neutral","sentiment_score":0.047923095524311066}],"sentiment":"neutral","sentiment_score":0.047923095524311066,"channel":1,"num_words":1,"start":2552.23,"end":2552.73},{"sentences":[{"text":"any issues, just call the office,","start":2552.23,"end":2554.01,"sentiment":"neutral","sentiment_score":0.0707238254447778}],"sentiment":"neutral","sentiment_score":0.0707238254447778,"channel":0,"num_words":6,"start":2552.23,"end":2554.01},{"sentences":[{"text":"Yep.","start":2553.67,"end":2554.17,"sentiment":"neutral","sentiment_score":0.09310980141162872}],"sentiment":"neutral","sentiment_score":0.09310980141162872,"channel":1,"num_words":1,"start":2553.67,"end":2554.17},{"sentences":[{"text":"and and we can","start":2554.595,"end":2555.2349,"sentiment":"neutral","sentiment_score":0.14571230113506317}],"sentiment":"neutral","sentiment_score":0.14571230113506317,"channel":0,"num_words":4,"start":2554.595,"end":2555.2349},{"sentences":[{"text":"Yep.","start":2555.19,"end":2555.69,"sentiment":"neutral","sentiment_score":0.08022386580705643}],"sentiment":"neutral","sentiment_score":0.08022386580705643,"channel":1,"num_words":1,"start":2555.19,"end":2555.69},{"sentences":[{"text":"kinda guide you.","start":2555.2349,"end":2555.9548,"sentiment":"neutral","sentiment_score":0.18248977760473886},{"text":"But, yeah, login ID is what you need.","start":2555.9548,"end":2557.815,"sentiment":"neutral","sentiment_score":0.18741350434720516}],"sentiment":"neutral","sentiment_score":0.186070669781078,"channel":0,"num_words":11,"start":2555.2349,"end":2557.815},{"sentences":[{"text":"Thank you very much for that.","start":2558.3098,"end":2559.3499,"sentiment":"positive","sentiment_score":0.744831770658493},{"text":"That's","start":2559.3499,"end":2559.5898,"sentiment":"positive","sentiment_score":0.5017127394676208}],"sentiment":"positive","sentiment_score":0.7101004804883685,"channel":1,"num_words":7,"start":2558.3098,"end":2559.5898},{"sentences":[{"text":"Yep.","start":2559.555,"end":2560.055,"sentiment":"positive","sentiment_score":0.3538653254508972}],"sentiment":"positive","sentiment_score":0.3538653254508972,"channel":0,"num_words":1,"start":2559.555,"end":2560.055},{"sentences":[{"text":"all I need.","start":2559.5898,"end":2560.0698,"sentiment":"neutral","sentiment_score":0.3202909231185913},{"text":"Yep.","start":2560.0698,"end":2560.5698,"sentiment":"neutral","sentiment_score":0.20436429977416992}],"sentiment":"neutral","sentiment_score":0.29130926728248596,"channel":1,"num_words":4,"start":2559.5898,"end":2560.5698},{"sentences":[{"text":"No problem.","start":2560.1948,"end":2561.015,"sentiment":"positive","sentiment_score":0.3745996356010437},{"text":"Well, otherwise, I look forward to speaking with you in about two weeks' time.","start":2561.635,"end":2567.015,"sentiment":"positive","sentiment_score":0.4220304297549384},{"text":"Have a look through those documents when you have a moment, and keep a lookout for that email.","start":2567.54,"end":2571.24,"sentiment":"neutral","sentiment_score":0.24639362924628788},{"text":"But, otherwise,","start":2571.46,"end":2572.0999,"sentiment":"neutral","sentiment_score":0.09433384612202644}],"sentiment":"neutral","sentiment_score":0.3133716196235683,"channel":0,"num_words":36,"start":2560.1948,"end":2572.0999},{"sentences":[{"text":"Yep.","start":2571.685,"end":2571.845,"sentiment":"neutral","sentiment_score":0.1721666157245636},{"text":"Yep.","start":2571.845,"end":2572.345,"sentiment":"neutral","sentiment_score":0.2529750466346741}],"sentiment":"neutral","sentiment_score":0.21257083117961884,"channel":1,"num_words":2,"start":2571.685,"end":2572.345},{"sentences":[{"text":"I will let you go and enjoy your afternoon, and I look forward","start":2572.0999,"end":2575.6199,"sentiment":"positive","sentiment_score":0.6699190506568322}],"sentiment":"positive","sentiment_score":0.6699190506568322,"channel":0,"num_words":13,"start":2572.0999,"end":2575.6199},{"sentences":[{"text":"Thank","start":2575.613,"end":2575.773,"sentiment":"positive","sentiment_score":0.6662733554840088}],"sentiment":"positive","sentiment_score":0.6662733554840088,"channel":1,"num_words":1,"start":2575.613,"end":2575.773},{"sentences":[{"text":"to","start":2575.6199,"end":2575.78,"sentiment":"positive","sentiment_score":0.7856188416481018}],"sentiment":"positive","sentiment_score":0.7856188416481018,"channel":0,"num_words":1,"start":2575.6199,"end":2575.78},{"sentences":[{"text":"you","start":2575.773,"end":2575.9329,"sentiment":"positive","sentiment_score":0.7688212990760803}],"sentiment":"positive","sentiment_score":0.7688212990760803,"channel":1,"num_words":1,"start":2575.773,"end":2575.9329},{"sentences":[{"text":"speaking","start":2575.78,"end":2576.0999,"sentiment":"positive","sentiment_score":0.8047692775726318}],"sentiment":"positive","sentiment_score":0.8047692775726318,"channel":0,"num_words":1,"start":2575.78,"end":2576.0999},{"sentences":[{"text":"very much.","start":2575.9329,"end":2576.513,"sentiment":"positive","sentiment_score":0.7557016313076019}],"sentiment":"positive","sentiment_score":0.7557016313076019,"channel":1,"num_words":2,"start":2575.9329,"end":2576.513},{"sentences":[{"text":"with you on Thursday, the twenty third.","start":2576.0999,"end":2577.993,"sentiment":"neutral","sentiment_score":0.3295287638902664}],"sentiment":"neutral","sentiment_score":0.3295287638902664,"channel":0,"num_words":7,"start":2576.0999,"end":2577.993},{"sentences":[{"text":"Thank you.","start":2578.4128,"end":2579.153,"sentiment":"positive","sentiment_score":0.7331160008907318},{"text":"Have a good day.","start":2579.213,"end":2579.773,"sentiment":"positive","sentiment_score":0.6708073168992996},{"text":"Bye.","start":2579.773,"end":2580.273,"sentiment":"neutral","sentiment_score":0.33157864212989807}],"sentiment":"positive","sentiment_score":0.6401485587869372,"channel":1,"num_words":7,"start":2578.4128,"end":2580.273},{"sentences":[{"text":"No worries.","start":2579.9128,"end":2580.473,"sentiment":"neutral","sentiment_score":0.22593386471271515},{"text":"We'll speak soon.","start":2580.473,"end":2581.4329,"sentiment":"neutral","sentiment_score":0.25165654718875885},{"text":"Bye.","start":2581.4329,"end":2581.9329,"sentiment":"neutral","sentiment_score":-0.11527286469936372}],"sentiment":"neutral","sentiment_score":0.18192741771539053,"channel":0,"num_words":6,"start":2579.9128,"end":2581.9329}]},"summary":{"result":"success","short":"A representative from Financial calls a customer to discuss their annual review and annual review. They confirm personal information and discuss retirement details, health and lifestyle issues, and retirement options. The agent explains the risk tolerance and investment portfolio, and suggests a high growth portfolio for maximizing returns. The customer is advised to fill out a risk profile questionnaire and discuss investment options. The agent provides information on the process for updating a login ID and resetting a password for the customer's account, and schedules a follow-up call for Thursday."},"intents":{"segments":[{"text":"I'm just wanting to see how it's Yep. gone so far. That's one.","start_word":217,"end_word":229,"intents":[{"intent":"Assess review progress","confidence_score":0.026423318}]},{"text":"you are happy, I can get the team to email you the form. That way, once you've completed it, send Yep. it back.","start_word":1333,"end_word":1355,"intents":[{"intent":"Request form","confidence_score":0.114795744}]},{"text":"But when, you know, when everything's kind of sorted or if you do have a bit of spare, I guess, cash or you wanna look in different investment options to tryna diversify, like, just let us know because we do a lot of outside of reinvesting as well if that is something you would ever be interested Which is in.","start_word":1946,"end_word":2005,"intents":[{"intent":"Expand financial standing and explore investment options","confidence_score":0.00013765386}]},{"text":"Can we start looking, obviously, with your new role, I like, maybe in a couple look. of It months depends or on next what year? it it depends on what's involved. Right? Mhmm. And and then based on that, I can make the call whether it's something we can start off pretty soon or it's something that we just, you know, keep it for for first thing 2027.","start_word":2068,"end_word":2135,"intents":[{"intent":"Start investing","confidence_score":0.21494208}]},{"text":"And and then based on that, I can make the call whether it's something we can start off pretty soon or it's something that we just, you know, keep it for for first thing 2027.","start_word":2100,"end_word":2134,"intents":[{"intent":"Make a call","confidence_score":0.19114588}]},{"text":"Because there are a lot of, obviously, a lot of different ways you can do personal investing, and it often Yeah.","start_word":2139,"end_word":2159,"intents":[{"intent":"Explore investment options","confidence_score":0.008072555}]},{"text":"often comes down to, I guess, what your goals are and priority. And, also, Yeah.","start_word":2160,"end_word":2174,"intents":[{"intent":"Discuss investing goals","confidence_score":0.0048427964}]},{"text":"Look, I think the way I look at it is investment property, obviously, investing that's a form of investing, but end of the day, it's the other investing avenues which kinda give us a similar return or whatever that might be, right, I think Mhmm.","start_word":2225,"end_word":2269,"intents":[{"intent":"Consider investment investment portfolio","confidence_score":0.0001306563},{"intent":"Consider investment portfolio","confidence_score":0.035266872}]},{"text":"How much money we are thinking of starting off with, and also whether we are thinking of doing, like, regular contributions through that type of investments Yep. or Yep. whether it's just like a one off thing. So there's obviously, like, a few things to kind of consider. Yep.","start_word":2348,"end_word":2396,"intents":[{"intent":"Consider investment investments","confidence_score":0.012925502}]},{"text":"So so with the personal investment, usually, how we would work, it would be a matter of finding out what your goals are, Yeah.","start_word":2561,"end_word":2584,"intents":[{"intent":"Analyze investment goals","confidence_score":0.00093392556}]},{"text":"we need to make any tweaks and changes to your risk profile. Now some of Sure.","start_word":2919,"end_word":2934,"intents":[{"intent":"Adjust risk profile","confidence_score":0.010595182}]},{"text":"Otherwise, when it comes through the the level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk, or your superannuation to make sure it continues to to grow.","start_word":3077,"end_word":3127,"intents":[{"intent":"Determine suitability for risk","confidence_score":0.0010020427},{"intent":"Determine risk levels","confidence_score":0.0016452767},{"intent":"Determine current level of risk","confidence_score":0.008636805}]},{"text":"how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due Mhmm. to general trends in the market.","start_word":3219,"end_word":3250,"intents":[{"intent":"Assess market trends","confidence_score":0.21906976}]},{"text":"how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due Mhmm. to general trends in the market. So not like one particular investment that's just gone really bad, just like the market as a whole. Now would you say, if you had the option to do so, that you would look through potentially invest a little bit more while the prices are down. Hold.","start_word":3219,"end_word":3297,"intents":[{"intent":"Analyze portfolio value","confidence_score":0.0104144765},{"intent":"Evaluate asset value","confidence_score":0.09773446},{"intent":"Assess performance","confidence_score":0.00007186523}]},{"text":"Obviously, one, looking at whether if something is undervalued, right, then Mhmm. looking at whether they can actually get some of that in. Right?","start_word":3334,"end_word":3357,"intents":[{"intent":"Assess valuation","confidence_score":0.00047475804}]},{"text":"Now if you ever noticed your superannuation temporarily fall in value, how did that make you feel?","start_word":3563,"end_word":3579,"intents":[{"intent":"Evaluate superannuation expectations","confidence_score":0.00074558525}]},{"text":"Now in the documents so we have also changed software a little bit. So it might look slightly different to what you are used to, but it's kind of the same concept where you can obviously access and sign it digitally.","start_word":4103,"end_word":4143,"intents":[{"intent":"Resolve technical difficulties","confidence_score":0.000031536878}]},{"text":"Now with your insurances as well, you do have a bit of insurance with TEL. Yes.","start_word":4298,"end_word":4313,"intents":[{"intent":"Educate about insurance coverage","confidence_score":0.048675623}]},{"text":"Now the next document you will see, it is a performance report. Now it basically gives you a bit of a snapshot over your portfolio net of fees over the last twelve months. Now it breaks down all your individual investments, how they have performed, how much you have in Yep. each option.","start_word":4626,"end_word":4678,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.15470879}]},{"text":"the same time, kind of like you touched on as well, we also want to be proactive with your investment. And if Sure. we do a lot of research on your investments and we just see one underperforming a little bit, and we don't believe it's necessarily going to be the best option moving forward, we want to be proactive. Okay.","start_word":4975,"end_word":5035,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.0052432995}]},{"text":"And the investment committee, committee, and we've Mhmm. done a little research on it. So we would like to look at changing your straight over through a 200 if that is something that you are happy with. Yeah.","start_word":5335,"end_word":5372,"intents":[{"intent":"Change investment fee","confidence_score":0.086076364}]},{"text":"yeah, it will show you the transaction fees. Usually, it's between depending on, obviously, how much it's usually between, like, 10 and maybe $12 in transaction fees to make the trade, Yeah.","start_word":5494,"end_word":5525,"intents":[{"intent":"Review transaction fees","confidence_score":0.10495825},{"intent":"Review transaction fees","confidence_score":0.18339618}]},{"text":"Now indeed, there is no Yep. changes in regards to the fee structure. So we Yep.","start_word":6095,"end_word":6110,"intents":[{"intent":"Update fee structure","confidence_score":0.019823559}]},{"text":"it's around the $12 or so, I will just tell the investment team to go ahead and make that change. If there's Yep.","start_word":6445,"end_word":6467,"intents":[{"intent":"Make a change","confidence_score":0.040563986}]},{"text":"What days do you have? So Monday to Thursday. Thursdays, I work late nights as well, so I can accommodate later appointments. Fine.","start_word":6595,"end_word":6617,"intents":[{"intent":"Check availability","confidence_score":0.015497734}]},{"text":"the latest appointment from your So end? the latest appointment I can do on a Thursday would be 05:30 my time, which would obviously Which be is two hours earlier for you. So three that will thirty be for five, three sir. thirty. Yeah. That's fine. Yeah. That's That's alright. fine? Okay.","start_word":6632,"end_word":6683,"intents":[{"intent":"Confirm appointment","confidence_score":0.00871565}]},{"text":"Now do you have any questions before I let Yay. you go and enjoy the rest of your afternoon otherwise? Look.","start_word":6808,"end_word":6828,"intents":[{"intent":"Ask question","confidence_score":0.074468754}]},{"text":"whoever can help me with that or set me up with that would be great, please. Yes.","start_word":6956,"end_word":6972,"intents":[{"intent":"Provide assistance","confidence_score":0.0301847}]},{"text":"So when you do you have the app on I your phone usually, or do you go on the computer? need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so Okay. the public app is deactivated. Yep.","start_word":7059,"end_word":7107,"intents":[{"intent":"Access app","confidence_score":0.029467365}]},{"text":"need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so Okay. the public app is deactivated. Yep.","start_word":7079,"end_word":7107,"intents":[{"intent":"Install app","confidence_score":0.025331823}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05047977715730667},{"text":"Good afternoon.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.34322723746299744},{"text":"This is Veronica from Financial. How are you? Hi. How are you? Yeah.","start_word":3,"end_word":15,"sentiment":"neutral","sentiment_score":0.1872989535331726},{"text":"Good. Thanks. How are you? I'm good. Thank you. That's good. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":16,"end_word":45,"sentiment":"positive","sentiment_score":0.5062361359596252},{"text":"Yeah. It's fine. Yeah.","start_word":46,"end_word":49,"sentiment":"neutral","sentiment_score":0.23231978714466095},{"text":"We can do that.","start_word":50,"end_word":53,"sentiment":"positive","sentiment_score":0.3483770787715912},{"text":"Yep.","start_word":54,"end_word":54,"sentiment":"neutral","sentiment_score":0.2421583831310272},{"text":"Perfect.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.4859853684902191},{"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_word":56,"end_word":84,"sentiment":"neutral","sentiment_score":0.056117698550224304},{"text":"Perfect.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.34777724742889404},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Sure. Hendership Lancome, 20 6 to Number 80321 Street, Victoria Park.","start_word":86,"end_word":129,"sentiment":"neutral","sentiment_score":0.06938856840133667},{"text":"Perfect.","start_word":130,"end_word":130,"sentiment":"positive","sentiment_score":0.40177229046821594},{"text":"And how's your morning been? Been busy or pretty Yeah. easy? Yeah. If you if you know, I just got my day off today, so, yeah, cool holidays here. So yeah. Yeah. Yeah.","start_word":131,"end_word":163,"sentiment":"neutral","sentiment_score":0.15392564237117767},{"text":"That's nice.","start_word":164,"end_word":165,"sentiment":"positive","sentiment_score":0.6006097197532654},{"text":"Now, India, before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any particular questions or just kind Look, of I see think where everything's at. yeah. I'm just wanting to see how it's Yep. gone so far. That's one. Yep. And secondly, there was an email that came through not so recent past from Oakview with regards to, I guess, other investment opportunities or something along those lines. I'm not wasn't sure what that was. I probably already got the email. But look, I think it is a starting point, see how we're going in, is there a new room for improvement, right, and Yes. anything else we need to look out for, basically, considering where we are and, yeah, just adding value. Yeah. No. That makes sense. Now what I will do first before we kind of run through your superannuation and your insurances is just to go through just a bit of an updated fact find just to see if there is anything major that has changed in your life, if we need to make any, you know, tweaks and changes to your advice as well. So No. just Look. kind of I think bear with me. Yeah? Sure. Go ahead. Yep. I just need to cross off on what I have here just to see if anything has changed. Mhmm. And now personal information, I'm still married with one financial dependent. Yes. Yes. Perfect. Now I don't actually have a next of kin on file for you. So in the event that we can't contact you, who is someone that you would like to nominate? So that can be anybody. So it probably would be my wife. Yep. Perfect. And just full name and phone number, please? Full name is Nad, n a d, e e. Yep. And last last name is my first name, which is I n d Yep. r a j I t h. Perfect. And phone number, please? 0455560088. 00. Did you say 88 at the end? Yes. Correct. Yep.","start_word":166,"end_word":527,"sentiment":"neutral","sentiment_score":0.01502526685652112},{"text":"Perfect. Thank you so much.","start_word":528,"end_word":532,"sentiment":"positive","sentiment_score":0.5436000227928162},{"text":"Now occupation wise, I believe that has changed since we spoke last time during the annual review for you. Yeah. Look. So in twenty twenty five September, I was made redundant in the role that I was in, Mhmm. I guess, when I signed up. And Yep. as of May Mhmm. this year, I've recommenced with another company as an area manager. Okay. Perfect. So area. Is that still within, like, engineering, or is it a different Yeah. field? No. Yes. It's it's it's mining engineering. It's the same Okay. area of the expertise. Yep. Okay. Perfect. And are you mainly working in the office, or would you go out on-site as part of it Look. as well? I manage a team of account managers in the Mhmm. it's it's predominantly office space, but I would probably every month, a few days here and there, go and visit them, but Yep. not necessarily go and do any work on field as such. Okay. Okay.","start_word":533,"end_word":696,"sentiment":"neutral","sentiment_score":-0.029580346700485524},{"text":"Perfect.","start_word":697,"end_word":697,"sentiment":"positive","sentiment_score":0.5618078112602234},{"text":"And is that a full time job as well? Yes. It is. Yes.","start_word":698,"end_word":710,"sentiment":"neutral","sentiment_score":0.25321048498153687},{"text":"That's perfect.","start_word":711,"end_word":712,"sentiment":"positive","sentiment_score":0.5752622485160828},{"text":"And what's the company called? Ecolab, e c o l a b.","start_word":713,"end_word":724,"sentiment":"neutral","sentiment_score":0.046997275203466415},{"text":"Beautiful.","start_word":725,"end_word":725,"sentiment":"positive","sentiment_score":0.3863045573234558},{"text":"And what's your income at the moment? 180 base. 180. Now do you get overtime bonuses or anything like that? Over time, no bonuses. I think it's a sliding scale. I don't have it. Obviously, it's too early for Yes. me to Okay. Perfect. see what it But that would be looks is that kind of based like on performance and stuff here. throughout the year, Yes. typically? Oh, That's yeah. it. Okay. Yes. Yep. So one eighty. Now they do they have an enterprise bargain agreement in place No. or They don't. nope? Okay. So they just paid up standard 12% Yep. contribution interest. Yep. Beautiful. And you're not making any additional contribution interest. Is that No. from I'm your not. employer? No. Perfect. Now asset wise, I have here your property last time we spoke was valued at about 1.1. Is that still roughly the case? Do you know, or has that Look. gone I think up a it little probably bit? has gone up gone up a bit. Let us keep it at Mhmm. 1.25 ish at the moment. Yeah. Yeah. 1.25. Now I have about $9.60 owing. Does that sound about right? Yeah. Yep. And, also, I motor vehicle ride at about 40,000. Now let's change. So Okay. we have we have another one Mhmm. owing at the moment, 94. 94. And how much was that one by? That's the same? Yeah. Yeah. We'll say Or the same. yep. Yep. Yep. Perfect. I also have solar system. Do you have 10 owing on that alone or something? Yes. We do. Yes. Yes. Yep. And a personal loan of about 41. Yeah. That that's probably come down to 36.","start_word":726,"end_word":1007,"sentiment":"neutral","sentiment_score":0.0028916318019099056},{"text":"Okay. Perfect.","start_word":1008,"end_word":1009,"sentiment":"positive","sentiment_score":0.5164136290550232},{"text":"36. And then about 10,000 just on a credit card as well. It's 5,000. Alright.","start_word":1010,"end_word":1024,"sentiment":"neutral","sentiment_score":0.2165273129940033},{"text":"Oh, perfect.","start_word":1025,"end_word":1026,"sentiment":"positive","sentiment_score":0.3902008831501007},{"text":"Any No. other new assets in the last twelve months? Any No. motorbikes or boats or anything else?","start_word":1027,"end_word":1044,"sentiment":"neutral","sentiment_score":-0.011933840811252594},{"text":"Like, beautiful.","start_word":1045,"end_word":1046,"sentiment":"positive","sentiment_score":0.5314693450927734},{"text":"No. Nothing about it. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yes. Yep. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything? No. Nothing. Not right now. No. No. That's good. And when it comes to estate planning, do you have a will in place settle or a power of attorney? No. I don't. No. And when it comes through your superannuation and your insurances as well, I can see here that we don't have a current nomination on file for you. So that I is thought I sent in through a filled up form when I signed up, didn't I? let me triple check-in the system. But sometimes, you never know with us us post. Do you remember if you send it back through Australia Post, like, I would say by post? so if the phone. Yeah. Yeah. Let me triple check-in the account for you just so that the notes I have been given is correct. Just bear with me. Do you have access to a printer otherwise or not really? Say say it again. Sorry? Do you have access to a printer? I don't, but I can send I can get something printed out if I need to. It's okay. Okay. Yep. Because, yeah, I'm just having a look in the in the system now for you, and there is no current nomination. So what we, Okay. yeah, so the reason I asked about the printer, especially, obviously, with you being over in WA, sometimes it can take a little minute to for the post to get here. So if Yep. you are happy, I can get the team to email you the form. That way, once you've completed it, send Yep. it back.","start_word":1047,"end_word":1355,"sentiment":"neutral","sentiment_score":-0.025195395573973656},{"text":"We know for a fact that it come back to us, and it's always in your inbox as well so you won't ever get lost and you'd have to redo it again.","start_word":1356,"end_word":1387,"sentiment":"positive","sentiment_score":0.3717794418334961},{"text":"Sure. Okay. Yep.","start_word":1388,"end_word":1390,"sentiment":"neutral","sentiment_score":0.2716159522533417},{"text":"Okay. Perfect.","start_word":1391,"end_word":1392,"sentiment":"positive","sentiment_score":0.5539198517799377},{"text":"If you do have any issues with them or completing them or anything, just let me know. Okay.","start_word":1393,"end_word":1410,"sentiment":"neutral","sentiment_score":0.31221792101860046},{"text":"Perfect. Otherwise, when it comes to your goals, so stuff that you are working towards that you are kind of wanting to achieve, sometimes during the under review is good to kind of get a bit of a check-in and see, you know, how how things are tracking and if that's still kind of the plans for you guys.","start_word":1411,"end_word":1469,"sentiment":"positive","sentiment_score":0.3659775555133819},{"text":"Mhmm. And last time when we spoke to you, your it was kind of more like a five year plan was to potentially look at buying an investment property. Is that still kind of something you guys Mhmm. are thinking? Look. Yeah. It definitely definitely was Yep. probably something that's in the forefront for us, but Yep. it took a back seat with my redundancy and whatnot, Yeah. we couldn't actually do anything. But, yeah, that's definitely Yeah. the I would say next two years, I had to get at least one. Okay. Yeah. Yep. Okay. Perfect. And when you are ready to have a look at it, if you don't have a good mortgage broker, just let us know because we work pretty closely with a couple of firms, but I'd be more than happy to get them to reach out, see, Sure. you know, borrowing capacity and stuff like that if that is something you are interested. If so, just let me know. Okay. Yep. Okay. I Perfect. did that. Yep.","start_word":1470,"end_word":1642,"sentiment":"neutral","sentiment_score":0.03558991476893425},{"text":"Thanks.","start_word":1643,"end_word":1643,"sentiment":"positive","sentiment_score":0.35156163573265076},{"text":"Aside from that, your focus was to do just a bit of a travel and then be in a position where you can put your son through private school. Obviously, Yep. I probably can imagine that with, obviously, the redundancy that may have changed, or or is that still kind of the the plan? Traveling, obviously, that probably would be the lower priority at this stage, Yes. but private school, yes. My son, he's Oh, been accepted to start next year in year four.","start_word":1644,"end_word":1727,"sentiment":"neutral","sentiment_score":0.03285510465502739},{"text":"beautiful. So, yeah, it's That's great. so that's definitely something I want to do and, obviously, Yeah.","start_word":1728,"end_word":1744,"sentiment":"positive","sentiment_score":0.4959153831005096},{"text":"what I can do from a financial point of view to bolster that. Yeah. Yep. Okay.","start_word":1745,"end_word":1760,"sentiment":"neutral","sentiment_score":0.20151756703853607},{"text":"Great.","start_word":1761,"end_word":1761,"sentiment":"positive","sentiment_score":0.5001557469367981},{"text":"Is there any anything else that you are working towards in the next couple of years? So that's kind of your main focus. My main focus is obviously Mhmm. look. I think last year, I'm 46 I'm turning 46 this year, and I'm wanting to obviously, don't want to be working, I guess, till I turn 67, 69. So I want to really Mhmm. the next ten years, I guess, look at how I can bring in or bolster my financial standing in a way so that I'm not reliant on, I guess, a PG role for a job. Mhmm. And and I I don't need to be in a full time role per se. And Yep. Yep. that way, you know, gives me time to focus on the family and, I guess, takes the financial Yeah. burden away, if that makes Yep. sense. Yeah. Yeah. No. It definitely does. And, Yep. you know, if there are any other areas of advice that you want obviously, I understand, obviously, being pretty new with the the role and everything, getting on top of everything. Yeah. But when, you know, when everything's kind of sorted or if you do have a bit of spare, I guess, cash or you wanna look in different investment options to tryna diversify, like, just let us know because we do a lot of outside of reinvesting as well if that is something you would ever be interested Which is in. which is the I think what that email said. I think the email said that it had a case study in the from you. Yeah. It's something Yes. definitely you wanna see. Yeah. What I Yes. want yeah. I wanna explore that further. Yes. Yep. Okay.","start_word":1762,"end_word":2051,"sentiment":"neutral","sentiment_score":0.07929795980453491},{"text":"Perfect.","start_word":2052,"end_word":2052,"sentiment":"positive","sentiment_score":0.43577703833580017},{"text":"And is that something that you wanna, like, give a bit of time on? Can we start looking, obviously, with your new role, I like, maybe in a couple look. of It months depends or on next what year? it it depends on what's involved. Right? Mhmm. And and then based on that, I can make the call whether it's something we can start off pretty soon or it's something that we just, you know, keep it for for first thing 2027. Yep. Yep.","start_word":2053,"end_word":2136,"sentiment":"neutral","sentiment_score":0.09060302376747131},{"text":"Okay. Perfect.","start_word":2137,"end_word":2138,"sentiment":"positive","sentiment_score":0.5179290175437927},{"text":"Because there are a lot of, obviously, a lot of different ways you can do personal investing, and it often Yeah. often comes down to, I guess, what your goals are and priority. And, also, Yeah. if it would be conflicting with the investment property or whether it would be like, obviously, if you're saving money for the the deposited investment property or whether you'd wanna put some aside for different type of investments, there's obviously different ways you can diversify things for you as well. Look, I think the way I look at it is investment property, obviously, investing that's a form of investing, but end of the day, it's the other investing avenues which kinda give us a similar return or whatever that might be, right, I think Mhmm. we're happy to go and look at it preferentially and Yep. try to make a start. And then based on that, we can look at investment property as well. Yep. Okay.","start_word":2139,"end_word":2300,"sentiment":"neutral","sentiment_score":0.16165027022361755},{"text":"Perfect.","start_word":2301,"end_word":2301,"sentiment":"positive","sentiment_score":0.38492143154144287},{"text":"Because, yes, there's a lot of different outside super obviously, starting from property investments that we look at. Mhmm. And it often comes down to as well, well, what are the time frames we're looking at? Because that can then steer us in different directions. Sure. How much money we are thinking of starting off with, and also whether we are thinking of doing, like, regular contributions through that type of investments Yep. or Yep. whether it's just like a one off thing. So there's obviously, like, a few things to kind of consider. Yep. Yep. But what I can do is if it's obviously something that you wanna have a bit of a think about, to be like, okay. What's what's our focus? How much do we could we put in? What are our time frames? I can even put, like, a a reminder in a couple of months to reach out to see where Yeah. things Look, are as at I said for you. yeah. Look, I think where where I would probably wanna see this is, first, I wanna see, I guess, what is the, I guess, the commitment required and, obviously, what the size of the price is and what we, you know, Mhmm. just give the understanding of that. Right? And then Mhmm. accordingly, I can then make a call on, right, you know, not now or maybe in three months, whatever it might be. So I think I would like to have a conversation on that sooner than later. Yep. Okay. And yeah. So so with the personal investment, usually, how we would work, it would be a matter of finding out what your goals are, Yeah. how much money we are looking at, Mhmm. time frames. And then based on that, that would then provide me with the direction of what type of investments because there's so many different things we can look at. So we Mhmm. obviously Yep. wanna tailor it to your goals and making sure that the recommendation put forth is aligning Yeah. with you. Now, obviously, Sure. we could do all that research and everything, and and that would show, obviously, fees and costs and everything like that before Yep. you could even, you know, decide what you'd want to do. But, usually, Yes. the first step would be for you to, I guess, decide what your priorities are and what the goals and objectives Yep. are. And then from that, we can put Yep. together a proposal Okay. more so that way. Is that does that make sense, Indi? Oh, it does. It does. So in Yes. in order to have that conversation, Yes. obviously, obviously, that's part of the scope of this meeting. I will probably have to schedule another meeting just to go Yes. through that, and I would Yeah. like you to go through that. Yes. Okay. Yeah.","start_word":2302,"end_word":2784,"sentiment":"neutral","sentiment_score":0.1112253235703176},{"text":"Okay. Perfect.","start_word":2785,"end_word":2786,"sentiment":"positive","sentiment_score":0.5064629316329956},{"text":"Well, at the end, we'll have a look at some different time options Yeah. and can consider that together. Okay. Sure.","start_word":2787,"end_word":2807,"sentiment":"neutral","sentiment_score":0.1682365487019221},{"text":"Perfect.","start_word":2808,"end_word":2808,"sentiment":"positive","sentiment_score":0.5619709491729736},{"text":"Anything else otherwise that you're Otherwise, kinda working it's towards? look. I think the goals haven't changed. It's just it's Mhmm. taken a it's a bit of it's it's slowed down a bit or whatnot. So I'll probably Yep. say we're in a ramp up stage again. So yeah. Yep. Okay.","start_word":2809,"end_word":2859,"sentiment":"neutral","sentiment_score":0.005074700340628624},{"text":"Beautiful.","start_word":2860,"end_word":2860,"sentiment":"positive","sentiment_score":0.6094861030578613},{"text":"Well, that kind of ties us into, obviously, your superannuation. So what I will go through next, first is just a bit of an updated risk profile questionnaire. Mhmm. You may remember going through that a couple of times, and it's basically just for me to see if your risk tolerance or anything has changed and if Yeah. we need to make any tweaks and changes to your risk profile. Now some of Sure. them can be a bit tricky because it's all hypothetical scenarios. Just trying to see and answer the best way that you can and what you think is most applicable to you. No Yep. right or wrong answer. It's all just multiple choice as well. Does that make sense? Sure. That's fine. Yep. Perfect. Now at the moment or previously, have you ever bought direct shares No. yourself? It's usually No. been something issued with the company or whatnot, but not trade shares. No. No. Okay. Perfect. And, obviously, time frames to superannuation. I have here that, ideally, you would like to start drawing an income from your super at 60, which is the earliest you can with the current legislation. Is that still Yep. kind of the the plan? Yep. Just take it when Yes. you can. Yep. Yep. No. Perfect. Otherwise, when it comes through the the level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk, or your superannuation to make sure it continues to to grow. What's the current profile at the moment? High Current growth. risk? Yeah. I High I think growth. that's Yeah. what yeah. Correct. Yeah. Yep. So not, like, super, super, super high, but still, like, Yeah. kind of the second option. So not, like, aggressive, Yep. but still kind of high growth because you do still have, you know, plenty of time until you turn 60 to try to boost Yep. that as much as possible. And the other one is, obviously, when it comes to volatility, so fluctuations. Now Yep. Mhmm.","start_word":2861,"end_word":3218,"sentiment":"neutral","sentiment_score":0.02584715644365915},{"text":"how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due Mhmm. to general trends in the market. So not like one particular investment that's just gone really bad, just like the market as a whole.","start_word":3219,"end_word":3268,"sentiment":"negative","sentiment_score":-0.44376033544540405},{"text":"Now would you say, if you had the option to do so, that you would look through potentially invest a little bit more while the prices are down. Hold. Wait to see what happens. Or would you want to shift to a more secure asset, but that means you are then selling when the prices have already dropped? There'll be probably a combination of those. Obviously, one, looking at whether if something is undervalued, right, then Mhmm. looking at whether they can actually get some of that in. Right? Yep. File it slow. Yep. And also depending on what's gone down, whether it's and what the reason behind that is and whether it's Mhmm. worthwhile holding on to it, and do we just go on to get rid of it and go on to something else. Right? Yep. Yep. But but also that they I mean, over at over overlooking all that is is also monitoring how things are. So, yeah, it's a combination of Yeah. that depending on where where the downturn has come from and yeah. Yep. No. That's a very, very logical way of of looking at it, so Yep.","start_word":3269,"end_word":3461,"sentiment":"neutral","sentiment_score":-0.13561740517616272},{"text":"that totally makes Yep.","start_word":3462,"end_word":3465,"sentiment":"positive","sentiment_score":0.34904414415359497},{"text":"sense. Yep. Now when it comes to investments dropping in value, so for example, superannuation or any other assets that you've had, obviously, the last twelve months, I'm sure you've obviously seen and and heard on the news. There's obviously been a bit of turbulence in the market. Obviously, everything that's going on in The US with Trump and tariffs and everything saw a bit of fluctuations. And, obviously, more recently with the war as well, we have seen fluctuations in the market or even going back to COVID. That was obviously quite a lot of fluctuation. Now if you ever noticed your superannuation temporarily fall in value, how did that make you feel? Would you say optimistic about potential investment opportunities, kind of a bit more neutral, not making further investments, Mhmm. or concerned or highly anxious? Once again, depending on where the Wild Health is coming from, Mhmm. right, I would stay neutral, but at the same time, we actively scanning and seeing if there are any opportunities for us to, I guess, both outstanding. Yep. Yep.","start_word":3466,"end_word":3644,"sentiment":"neutral","sentiment_score":-0.06897594082538643},{"text":"Perfect.","start_word":3645,"end_word":3645,"sentiment":"positive","sentiment_score":0.5507107973098755},{"text":"And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yeah. Sure. It just Yep. depends on what the investment opportunities. Yep. Yep. And Okay. all the Perfect. returns. Yep. Yep. Now that tells me here that you have come out as a high growth investor, which you could probably see, which is, like I said, the current portfolio we have you invested in. Yep. Now do you remember what it means to be a high growth investor at all? Let me refresh me. Sorry. Yeah. Yep. Yeah. No. That's okay. Essentially, it tells me that you are looking at getting as much growth as you possibly can out of superannuation while you still have Mhmm. plenty of time until retirement. But Yep. at the same time that you are comfortable seeing a bit of short term fluctuation Yep. in order to achieve that growth. Now Yep. when we are also then looking at how the money's invested, we Mhmm. typically see 90% invested Mhmm. in what we would call your growth assets. So that's a combination Mhmm. of, like, Australian shares, international shares, as well as property as well.","start_word":3646,"end_word":3851,"sentiment":"neutral","sentiment_score":0.14347170293331146},{"text":"And that Yep. is ultimately what is going to maximize those return for you.","start_word":3852,"end_word":3865,"sentiment":"positive","sentiment_score":0.4159748554229736},{"text":"And then about Yep. 10% in defensive limit fluctuations a little bit, but the main focus is obviously growth. And those defensive Yep. would be a combination of, like, fixed interest, gold, and cash. Does that all make Yep. sense? Yes. Yep.","start_word":3866,"end_word":3907,"sentiment":"neutral","sentiment_score":0.08223780244588852},{"text":"Perfect.","start_word":3908,"end_word":3908,"sentiment":"positive","sentiment_score":0.5155580043792725},{"text":"And are you still comfortable with that high growth risk profile? Yep. That's fine. Yep. Yep.","start_word":3909,"end_word":3924,"sentiment":"neutral","sentiment_score":0.22981105744838717},{"text":"Yep. Perfect.","start_word":3925,"end_word":3926,"sentiment":"positive","sentiment_score":0.4449762403964996},{"text":"And, also, when we are looking at, like, a time frame, so making sure you have enough time in the market for those short term fluctuations, High growth portfolio would typically want to see at least eight years till retirement, which you do have behind you.","start_word":3927,"end_word":3972,"sentiment":"neutral","sentiment_score":0.3259059190750122},{"text":"So from a time frame point of view, it's a really good, position for you as well.","start_word":3973,"end_word":3989,"sentiment":"positive","sentiment_score":0.5554471015930176},{"text":"Okay. Perfect. Now did you have access to your emails at the moment? Yep. Not Yep. straight away, but, yeah, I can. Yeah. Yeah. So what I have done is I have sent you an email with some documents. Now I Mhmm. will go through them with you now over the phone, but if you don't have access to them right now, then Yes.","start_word":3990,"end_word":4053,"sentiment":"neutral","sentiment_score":0.09460818767547607},{"text":"I'm more than happy for you to just have, obviously, review over them later when you have a bit more time.","start_word":4054,"end_word":4074,"sentiment":"positive","sentiment_score":0.46044889092445374},{"text":"And if you then have any questions, you can always just give me a callback or send me an email. Is that okay? Sure. That's fine. Yep. Perfect. Now in the documents so we have also changed software a little bit. So it might look slightly different to what you are used to, but it's kind of the same concept where you can obviously access and sign it digitally. So when you get the email and have a look at the spam folder as well if it's the first time through this software. But, basically, when you click on the email, it will say sign document. You will just have to click on the link first, and that will open up all the documents for you to view. And it's only at the end, it will ask you to sign if you're happy to do so. So clicking on the link doesn't automatically mean that you you have to sign right away. Does that make Sure. sense? Okay. Yeah. Good. Okay. Yep.","start_word":4075,"end_word":4246,"sentiment":"neutral","sentiment_score":0.13601651640478954},{"text":"Yeah. Perfect.","start_word":4247,"end_word":4248,"sentiment":"positive","sentiment_score":0.6080431938171387},{"text":"Now what you will see is the first document is just a bit of a summary of your superannuation and your insurances. So with Mhmm. your Yep. superannuation at the moment, you have it with hub twenty four, and you do Yep. have about a $120,711 in there. Yes. Now with your insurances as well, you do have a bit of insurance with TEL. Yes. Now for your life insurance, you have 2,320,000 Mhmm. 763. For your total permanent disability insurance, you have 2,448,653. This is all in the documents too, so you don't have to remember Yep. it because there's obviously Yep. a lot of numbers. Now with life and KPD, are you still happy with that level of cover that you are covered for, or what are your thoughts on how much cover you Yep. have in place? Yep. Yep. Okay.","start_word":4249,"end_word":4391,"sentiment":"neutral","sentiment_score":0.1100778952240944},{"text":"Perfect.","start_word":4392,"end_word":4392,"sentiment":"positive","sentiment_score":0.4788614511489868},{"text":"Yep. K. Now next is obviously your income protection. So Mhmm. with your income protection, it will pay you a monthly amount. Now at the moment, you are covered for $10,211 per month. So I did quickly just check while we were on the phone to see how that matches your new income, and it's pretty Yep. pretty split spot on. So on 70 Yep. percent max, it's about 10,500, so very similar, which is good. Because if there's a big Okay. discrepancy, then we might want to make adjustments so you're not paying too much for cover you can't claim or if you are significantly underinsured. But it basically Sure. Yep.","start_word":4393,"end_word":4504,"sentiment":"neutral","sentiment_score":0.06871483474969864},{"text":"lines up, which is really good.","start_word":4505,"end_word":4510,"sentiment":"positive","sentiment_score":0.4566834568977356},{"text":"Yep. Now with your income protection as well, you do have a thirty day waiting period, which means you have to wait that thirty days before you can claim on it, and you have the benefit period all the way up to the age of 65.","start_word":4511,"end_word":4556,"sentiment":"neutral","sentiment_score":0.22693000733852384},{"text":"So very comprehensive.","start_word":4557,"end_word":4559,"sentiment":"positive","sentiment_score":0.583674430847168},{"text":"Yep. Now all those three combined, you do get a 15% tax rebate, and that's about $4,280 after that rebate. Sure. Now you also have trauma insurance, which you Uh-huh. pay for out of pocket, and that is covering you for a 127,890 if something were to happen. And the monthly premium is about $60.60 per month. Alright. Yep. Any questions with your insurances? Yep.","start_word":4560,"end_word":4624,"sentiment":"neutral","sentiment_score":0.14107559277461126},{"text":"Perfect.","start_word":4625,"end_word":4625,"sentiment":"positive","sentiment_score":0.6232389211654663},{"text":"Now the next document you will see, it is a performance report. Now it basically gives you a bit of a snapshot over your portfolio net of fees over the last twelve months. Now it breaks down all your individual investments, how they have performed, how much you have in Yep. each option. Now I kind of touched on earlier that, obviously, the market have seen a bit of turbulence in the last twelve months, especially, obviously, being in a high growth portfolio, you can see a little bit of more of those fluctuations. But in saying Yep.","start_word":4626,"end_word":4723,"sentiment":"neutral","sentiment_score":0.041083451360464096},{"text":"that, though, overall, your portfolio has done pretty good considering the market fluctuations.","start_word":4724,"end_word":4736,"sentiment":"positive","sentiment_score":0.36815133690834045},{"text":"So Yep.","start_word":4737,"end_word":4738,"sentiment":"neutral","sentiment_score":0.3009549677371979},{"text":"in the last twelve months, it's still net of fees. It's still up by 8.45%, which we're actually Yep. quite happy with.","start_word":4739,"end_word":4760,"sentiment":"positive","sentiment_score":0.48050057888031006},{"text":"Yep. Now there is one investment that I would like to look at changing for you if you are happy to do so, and that Which is is? your Benelong Australian Equity Fund. Now when you have a look at the performance report, on the second column to the right, it actually shows you all of your investments and how they have performed. Some of them have been absolutely crazy, especially your global ex battery tech and lithium. Obviously, a lot of fuel prices, electric vehicles kind of shot through the roof. Sorry. That Yep. one has gone up about 71%, which is pretty crazy. So Yep. there is one investment that is underperforming at the moment, which is your Bennelong Australian Equity. Sure. Now, Indi, are you quite familiar with a different type of investments, like a direct share managed funds ETF? Yeah. Yeah. I do. I do. Yeah. Okay.","start_word":4761,"end_word":4911,"sentiment":"neutral","sentiment_score":0.005968645680695772},{"text":"Perfect.","start_word":4912,"end_word":4912,"sentiment":"positive","sentiment_score":0.3386998176574707},{"text":"So Bennelong is your managed fund. It's the the only managed fund you have in there. So, obviously, the function of that one is to actively buy and sell different investments in order to try to outperform the market. Now they have Yep.","start_word":4913,"end_word":4955,"sentiment":"neutral","sentiment_score":0.17367570102214813},{"text":"been very successful in doing so, which is why it was originally added to your portfolio.","start_word":4956,"end_word":4971,"sentiment":"positive","sentiment_score":0.5453906655311584},{"text":"But at Yep. the same time, kind of like you touched on as well, we also want to be proactive with your investment. And if Sure. we do a lot of research on your investments and we just see one underperforming a little bit, and we don't believe it's necessarily going to be the best option moving forward, we want to be proactive. Okay. So the investment committee have done a lot of research on the investment and have found another option to swap it for if you Mhmm. are happy with that. So, basically, what it is is then swapping Benelon. Because it invests in Australian market, we wanna still make sure you have some exposure to the Australian market. So Sure. they were looking at another option that was basically giving you that exposure, but was performing a little bit better and a little bit cheaper as well. So the one that Okay. they found to be more a little bit better was called your beta shares eight two hundred. I never heard of that one. No. It's It like was called no. what's That's it called? okay. A beta shares. Yeah. Beta. A beta. So, like, Beta. alpha Yeah. beta. Yep. Yeah. Yeah. Beta Yeah. Yeah. Beta. shares. Share. Yep. Yep. A 200. So what So it's that actually is a ETF. correct. So Yep. which is why it's a little bit cheaper. So Yep. what it is is obviously investing in the a 200. So the 200 largest companies listed on the ASX. Obviously, Sure. very diversified for you. Because you don't have that same kind of active buying and selling, you you can see, obviously, a little bit more less volatility as a result. And with Mhmm. the active management, if they are outperforming, then it's it's worth potentially spending a little bit more for the active management. But if they're underperforming in regards through, you know, ETF and index, then you don't wanna necessarily pay more for it if they're not then outperforming those a little bit more passive investment. Does Okay. that make sense so far? Yeah. It does. Yep. Yep. Yep. So, basically, the yeah. And the investment committee, committee, and we've Mhmm. done a little research on it. So we would like to look at changing your straight over through a 200 if that is something that you are happy with. Yeah. So is there any implications, any any initial cost, or is this pretty much transferring funds across one to the other? It will be transferring cost to the other, but what I will do before is I want to check the transaction fee. So because Yeah. Bennelong is down at the moment, there shouldn't be any capital gains tax associated with the change. But when Yeah.","start_word":4972,"end_word":5438,"sentiment":"neutral","sentiment_score":0.08310775723651338},{"text":"I do up the record of advice, it's called, You don't have to sign it, but I'm happy to email it to you first and for you to respond to the email to say that Yep. you are happy to proceed before I go ahead with it.","start_word":5439,"end_word":5485,"sentiment":"positive","sentiment_score":0.4047415852546692},{"text":"It will Yeah. show Just one. you, Yeah. yeah, it will show you the transaction fees. Usually, it's between depending on, obviously, how much it's usually between, like, 10 and maybe $12 in transaction fees to make the trade, Yeah. but it will be outlined in that record of advice for you. And I will hold off until you've reviewed it and responded via email, if that's okay, or you can call me before we Yep. were through to change it just to make sure you Yeah.","start_word":5486,"end_word":5572,"sentiment":"neutral","sentiment_score":0.0768609344959259},{"text":"are happy So with it.","start_word":5573,"end_word":5577,"sentiment":"positive","sentiment_score":0.35115307569503784},{"text":"And okay. then you can Since look into it's it answer as well. yeah. So that so is it is that the kind of magnitude of fee change over looking at? Correct. Yes. So it'd Typically be about okay. 12 I look dollars at or it. Yeah. something like that. Yeah. That's fine. Yeah. Okay. Yeah. Yes. Would you if it's around the $12 or less, would you happy for me to just Yeah. action Go it, ahead. or do you still wanna Yeah. review it first? No. No. No. No. Just No. go Okay. ahead. That's fine. Yep.","start_word":5578,"end_word":5676,"sentiment":"neutral","sentiment_score":0.07968027889728546},{"text":"Perfect.","start_word":5677,"end_word":5677,"sentiment":"positive","sentiment_score":0.39632341265678406},{"text":"If there's anything changes, though, I will hold off. But, typically, Yeah. If there's the ones anything untoward where it's gonna cost a bit of a significant shock, then I would like to know. But otherwise yeah.","start_word":5678,"end_word":5714,"sentiment":"neutral","sentiment_score":-0.12623408174998052},{"text":"Great. of course.","start_word":5715,"end_word":5717,"sentiment":"positive","sentiment_score":0.43604013323783875},{"text":"Go ahead. And if it was going to cost you a significant amount, then we wouldn't potentially look to do this change for you anyway because we wanna make sure Yep. it's obviously in your best interest. So Yep. having Okay. a look at it, it shouldn't be it should be, like, yeah, around $12 for the trade. I will send it to you. If it's around that figure, I will proceed with it. If it's a lot higher, which I doubt, I will give you a call Yep. and send it to you just to triple check it first.","start_word":5718,"end_word":5817,"sentiment":"neutral","sentiment_score":0.012304523028433325},{"text":"Thank you.","start_word":5818,"end_word":5819,"sentiment":"positive","sentiment_score":0.42727357149124146},{"text":"That's fine. Yep. No problem. Now what you will also have in those documents is just the Vanguard index tab. Seems like you're pretty familiar with the market, which Yep. is good, but that one is just there as a visual representation just to kind of show you the market fluctuations and how the market moves. Okay. Now you will also have your child certificate of currency. Again, just breaks down your insurances in a bit more detail, but lets you know that's all paid and up to date. Yep. You will also have the OQ services guide. Again, you would have seen this a couple of times. It is one of those compliance documents, but it is it is good because it gives you all the important information in regards to us here at OQ Financial. If you do have a bit of a read over it, you will also see we've had a bit of an extension to the team, which is good, and also some updated marketing. If you have it, scroll through it. You can also find myself on page 10, Yep. I believe, if you do wanna put a face to the voice. Okay. Yep. Now the last two documents, now these are the ones it will ask you to sign if you are happy to do so. One is a tax file number form. It is just a compliance form to say we are keeping your tax file number secure and safe on file.","start_word":5820,"end_word":6069,"sentiment":"neutral","sentiment_score":0.19986768066883087},{"text":"And the last one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start_word":6070,"end_word":6094,"sentiment":"positive","sentiment_score":0.7269929647445679},{"text":"Now indeed, there is no Yep. changes in regards to the fee structure. So we Yep. haven't increased it or anything.","start_word":6095,"end_word":6115,"sentiment":"neutral","sentiment_score":0.13613510131835938},{"text":"It stays exactly the same at 1.65 from super.","start_word":6116,"end_word":6124,"sentiment":"positive","sentiment_score":0.38558506965637207},{"text":"So no Yep. changes in regards to it. And there is also, same as last time, it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.","start_word":6125,"end_word":6165,"sentiment":"neutral","sentiment_score":0.02665822207927704},{"text":"But by signing it, it basically allows us to manage all your investments and everything for you in the meantime.","start_word":6166,"end_word":6185,"sentiment":"positive","sentiment_score":0.47867220640182495},{"text":"Yes. Do you have any questions in regards to any of those documents so Yeah. far? Yeah. That's no problem. But didn't I sign an agreement only in the recent part? Maybe six within the last six months? Let me have a look here. I think you sent one you signed one I think it was a little bit over six months ago, Mhmm. but I think we were running a little bit behind on the annual reviews because, obviously, the flood and Yep. everything we had up in Queensland. So we're now kind of going back into that twelve month rotation for you. So if you sign, obviously, this new one, it will just cancel out the the the old one, and it Sure. will just Right. stay for the next twelve months. So it's not like you are double double handling Oh, or anything yeah. like that. Yeah. It's just Okay. one replaces Yeah. the other, essentially. But that's a very Sure. good question. Yeah. But, again, not a lock in contract. But that is essentially all the documents Mhmm. from from my end. So when you have a moment, have a read through them. If you have any questions, let me know. If not, I will just ask you to sign those through through documents there, which should have a signature attached to make it nice and easy. Any Yep. questions, though, let me know. I will also do that record of advice and send it through to you. And like I said, if Yep. it's around the $12 or so, I will just tell the investment team to go ahead and make that change. If there's Yep. anything if it if it's very different to what I've told you, I will email it regardless that'll call you just to make sure before we make any changes. Yep. Yep. Now the other thing is then, obviously, your your personal investments. So when would you like to look to have that conversation? How long do you need for that? Do we need to have a time allocated for that? So it probably will take maybe about half hour or so for for the Okay. conversation. And Yep. then Sure. following that conversation, I will go and do, you know, different research and stuff for different investment options for you. Shops. Okay. It'd probably be let's keep it on Friday, perhaps. Right? I don't work Fridays, unfortunately. Okay. What days do you have? So Monday to Thursday. Thursdays, I work late nights as well, so I can accommodate later appointments. Fine. Since you're late, what's you're a bit slim based, aren't you? So what's Yes. the latest appointment from your So end? the latest appointment I can do on a Thursday would be 05:30 my time, which would obviously Which be is two hours earlier for you. So three that will thirty be for five, three sir. thirty. Yeah. That's fine. Yeah. That's That's alright. fine? Okay. Yep. Now let me have a look here because they do book out the quickest. Let me see. I could do Thursday, July 23. That's in two weeks' time at that 03:30 mark. Would that be okay with you? Mhmm. Yeah. If Yes. if Okay. I could secure that and if I get a reminder, Yes.","start_word":6186,"end_word":6739,"sentiment":"neutral","sentiment_score":0.05945660005784207},{"text":"please, early in the week, that'd be great. Yes. Perfect. So I'll book that in on Thursday, the twenty third.","start_word":6740,"end_word":6759,"sentiment":"positive","sentiment_score":0.4649673402309418},{"text":"That will be 03:30 your time. I will get the team to send you a text reminder on the Monday. Yep. And if anything does change and you can't make it, just let me know because we can always just reschedule and change it.","start_word":6760,"end_word":6803,"sentiment":"neutral","sentiment_score":0.0947796262123368},{"text":"Thank you. Yep. Perfect. Now do you have any questions before I let Yay. you go and enjoy the rest of your afternoon otherwise?","start_word":6804,"end_word":6827,"sentiment":"positive","sentiment_score":0.5170472264289856},{"text":"Look. I just want one question with so it's Mhmm. it's it's always half twenty four here with regards to the the super. What do you mean? If it's always up twenty four? Not always because it's very tailored and specific through to each client. So we Yeah. look Okay. and do research on all super funds all the time to make sure that is still the best option. Now, No. No. The reason I asked that was so right now, through my employer, my super employee is half 20 yes. four. Correct. Right? Yes. Correct. Yeah. Yes. Okay. And Yes. where I'm coming to with that is I've actually I think my login for that has expired on or I just need assistance with that. So Yes. whoever can help me with that or set me up with that would be great, please. Yes. So do you have a a paper or a or a pen or Yeah. notes Yeah. on Yeah. your phone? I Okay. yeah. I can So, I can do that, ma'am? One second. yep, so with login, it's it's it's quite easy. I use 24 for my personal super as well. Yep. So what you need is a login ID. So I will read out this number when you are ready. Yep. Yep. So it's 1 37047 Mhmm. 85. Okay. So that is your login ID. So when you do you have the app on I your phone usually, or do you go on the computer? need to install all of it because I you know, it's it's been a while since I've actually accessed my phone, so Okay. the public app is deactivated. Yep. Yeah. But when you go like, if you go and redownload the app, it will ask for your login ID and password. Login ID No. is what I just told you. Password, Mhmm. if, obviously, you don't know, you can just do reset password. And then you can just go through the security process Okay. Process. of, obviously, resetting that. Yeah. Yep. Okay. That's But if you do have any fine. issues, just call the office, Yep. and and we can Yep. kinda guide you. But, yeah, login ID is what you need.","start_word":6828,"end_word":7200,"sentiment":"neutral","sentiment_score":0.02447108405045466},{"text":"Thank you very much for that. That's Yep.","start_word":7201,"end_word":7208,"sentiment":"positive","sentiment_score":0.5984345078468323},{"text":"all I need. Yep.","start_word":7209,"end_word":7212,"sentiment":"neutral","sentiment_score":0.26706212759017944},{"text":"No problem. Well, otherwise, I look forward to speaking with you in about two weeks' time.","start_word":7213,"end_word":7228,"sentiment":"positive","sentiment_score":0.39433687925338745},{"text":"Have a look through those documents when you have a moment, and keep a lookout for that email. But, otherwise, Yep. Yep.","start_word":7229,"end_word":7250,"sentiment":"neutral","sentiment_score":0.2229682505130768},{"text":"I will let you go and enjoy your afternoon, and I look forward Thank to you speaking very much.","start_word":7251,"end_word":7269,"sentiment":"positive","sentiment_score":0.6940955519676208},{"text":"with you on Thursday, the twenty third.","start_word":7270,"end_word":7276,"sentiment":"neutral","sentiment_score":0.3237285912036896},{"text":"Thank you. Have a good day.","start_word":7277,"end_word":7282,"sentiment":"positive","sentiment_score":0.6890242099761963},{"text":"Bye. No worries. We'll speak soon. Bye.","start_word":7283,"end_word":7289,"sentiment":"neutral","sentiment_score":0.24388042092323303}],"average":{"sentiment":"neutral","sentiment_score":0.08588743421265334}}}}