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Will we? Cool. Thanks. Bye. Sir, what? How are you? Good. Thanks. I'm just gonna start the car so you won't switch on the Bluetooth. Any minute. Yep. I had insurances. Yes. I did. I do. Yeah. But since been sorted, like, I don't have that anymore. Okay. Yeah. That's easy. Yep. Yeah. Yep. Well, her income's grown a fair bit as well. I'm currently on that, but it will it will continue to go up. So as long as that's sort of covered, that's fine. Yeah. Okay. Yep. Yeah. Yeah. Yep. Yep. Yeah. So it kinda gives me what do you say? Is it it's 1.4 on the dot? Or oh, yeah. I'm happy with that for now. Yeah. Yep. Absolutely. Yeah. Look. Okay. I'm pretty happy with the policy as it is, so I probably don't need to bridge that gap for the income protection if it's gonna because I'm assuming two policies obviously means more more out of the account, more premiums. Yeah. Look. I'm I'm in a pretty good position right now. And, yeah, I can definitely live off because I think that'll come down to about 5 or just under 5. So that'll cover the mortgage, you know, few few, yeah, quite easily. So awesome. Okay. Cool. No. Not really. Actually, I was wondering when you guys were gonna get back to me. So Yeah. No. No. It's all good. No no stress on my end. Cool. Nice. Yeah, looking forward to kind of just, yeah, have a look at that portfolio. And I think I'm in pretty much all high risk at the moment or, like, majority of it. Yep. Yep. Yeah. Yep. Yeah. So when do you wanna book in that update? Because I probably will will that be active from then along and try and reposition it elsewhere. Oh, so you you guys already do that? Yep. Cool. Yep. Do you guys obviously, you'd look after a fair few portfolios. Do you have statistics on your ones that are doing, like, the highest amount of growth? Like like, what their ratios are? What they've invested in. Yep. Yep. Yes. Yeah. Yeah. I think it'd be good to have a bit of a portion in index funds. I think what's still about 4% four and a half percent a a year growth. It's not much, but it's it's consistent. Yeah. I'd probably call that more dissensus if anything gone into an index index fund. Okay. Yeah. Probably last question is, when over in The States, they have, like, tax free bonds and all that. Do we do anything similar over in Australia? Right. Yep. Mhmm. Yeah. Right. So it sounds like something I'd personally just invest in with, like, some liquid rather than using the fund. Yeah. Righto. And we can only invest in what's in the ASX, not on the nose decorating? Yeah. So, obviously, you mentioned heavy metals is something I wanna get into, but also the tech side as well. So I've been on and off Ceraburus personally at the moment. I've got a broker who's willing to sell off a portion, of his allotment, because I know they're gonna go through an RPA potentially mid this year, but it's doing pretty well in the secondary market. Oh, no. I mean, so, yeah, more so when it becomes available, if if it does, for you guys, that's something I'd be looking at. And but, yeah, mostly any other tech companies that would have a potential move in the next couple of years. Okay. Yeah. Okay. I think so too. Yeah. Alright. No. It wouldn't be. But it's good to know. Just sort of yeah. Well, that's all what there you go. Yeah. Yeah. I get that. Yeah. I was sort of just yeah. After how high of a risk can win best, but, obviously, that yeah. You pretty much answered my question. Okay. Alright. Yep. Yeah. Okay. No. That's that's good. That's never been explained to me because I used to be a bus queue, and they called it high graph high risk. So I just assumed you guys are the same, but that makes a lot more sense, actually. So Yeah. Yep. Oh, actually, while I've got you, can you see if my current employer is making contributions? Oh, fantastic. It's good to know. Alright. That that makes sense because, yeah, just one of my coworkers just said to keep an eye on them, but it sounds like he was talking about that period. So it's good to know that they backpaid what they didn't. But third of is there anything from Dio Valmont? Is that it? Okay. If you could, please, just, yeah, just try and keep track. Because I've yeah. Motors were good. Gaia wasn't sure if they were contributing or not. And Checkpoint, obviously yeah. I still work there, so I know where they live. Yeah. Cool. But, generally, like, obviously, if they've missed up to, like, three months, do you guys chase them up? Or alright. But do you, like, flag it to customers if you don't see any contributions come through for a bit? Okay. Cool. Alright. I wouldn't. But, yeah, just obviously keeping it somewhat regular or if at all, because I've heard of, obviously, companies. Guys just don't really check it, and some super funds don't obviously flag it. And then, you know, two or three years down the track when they leave, it's yeah. They haven't had anything put into their account. Yeah. No. Just double checking. Yep. That'd be fantastic. No. You've been fantastic, so I'll leave it at that. Either you take. 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Caden. My name is Chris. I believe I had Kyle try and reach me. No stress. Yep.\n\nOh, fantastic. Thanks. Yourself? Per usual. Yep.\n\nSorry? O, Jock. Can you give me a hint of my grandmother? Will we? Cool.\n\nThanks. Bye. Sir, what? How are you? Good.\n\nThanks. I'm just gonna start the car so you won't switch on the Bluetooth. Any minute. Yep. I had insurances.\n\nYes. I did. I do. Yeah. But since been sorted, like, I don't have that anymore.\n\nOkay. Yeah. That's easy. Yep. Yeah.\n\nYep. Well, her income's grown a fair bit as well. I'm currently on that, but it will it will continue to go up. So as long as that's sort of covered, that's fine. Yeah.\n\nOkay. Yep. Yeah. Yeah. Yep.\n\nYep. Yeah. So it kinda gives me what do you say? Is it it's 1.4 on the dot? Or oh, yeah.\n\nI'm happy with that for now. Yeah. Yep. Absolutely. Yeah.\n\nLook. Okay. I'm pretty happy with the policy as it is, so I probably don't need to bridge that gap for the income protection if it's gonna because I'm assuming two policies obviously means more more out of the account, more premiums. Yeah. Look.\n\nI'm I'm in a pretty good position right now. And, yeah, I can definitely live off because I think that'll come down to about 5 or just under 5. So that'll cover the mortgage, you know, few few, yeah, quite easily. So awesome. Okay.\n\nCool. No. Not really. Actually, I was wondering when you guys were gonna get back to me. So Yeah.\n\nNo. No. It's all good. No no stress on my end. Cool.\n\nNice. Yeah, looking forward to kind of just, yeah, have a look at that portfolio. And I think I'm in pretty much all high risk at the moment or, like, majority of it. Yep. Yep.\n\nYeah. Yep. Yeah. So when do you wanna book in that update? Because I probably will will that be active from then along and try and reposition it elsewhere.\n\nOh, so you you guys already do that? Yep. Cool. Yep. Do you guys obviously, you'd look after a fair few portfolios.\n\nDo you have statistics on your ones that are doing, like, the highest amount of growth? Like like, what their ratios are? What they've invested in. Yep. Yep.\n\nYes. Yeah. Yeah. I think it'd be good to have a bit of a portion in index funds. I think what's still about 4% four and a half percent a a year growth.\n\nIt's not much, but it's it's consistent. Yeah. I'd probably call that more dissensus if anything gone into an index index fund. Okay. Yeah.\n\nProbably last question is, when over in The States, they have, like, tax free bonds and all that. Do we do anything similar over in Australia? Right. Yep. Mhmm.\n\nYeah. Right. So it sounds like something I'd personally just invest in with, like, some liquid rather than using the fund. Yeah. Righto.\n\nAnd we can only invest in what's in the ASX, not on the nose decorating? Yeah. So, obviously, you mentioned heavy metals is something I wanna get into, but also the tech side as well. So I've been on and off Ceraburus personally at the moment. I've got a broker who's willing to sell off a portion, of his allotment, because I know they're gonna go through an RPA potentially mid this year, but it's doing pretty well in the secondary market.\n\nOh, no. I mean, so, yeah, more so when it becomes available, if if it does, for you guys, that's something I'd be looking at. And but, yeah, mostly any other tech companies that would have a potential move in the next couple of years. Okay. Yeah.\n\nOkay. I think so too. Yeah. Alright. No.\n\nIt wouldn't be. But it's good to know. Just sort of yeah. Well, that's all what there you go. Yeah.\n\nYeah. I get that. Yeah. I was sort of just yeah. After how high of a risk can win best, but, obviously, that yeah.\n\nYou pretty much answered my question. Okay. Alright. Yep. Yeah.\n\nOkay. No. That's that's good. That's never been explained to me because I used to be a bus queue, and they called it high graph high risk. So I just assumed you guys are the same, but that makes a lot more sense, actually.\n\nSo Yeah. Yep. Oh, actually, while I've got you, can you see if my current employer is making contributions? Oh, fantastic. It's good to know.\n\nAlright. That that makes sense because, yeah, just one of my coworkers just said to keep an eye on them, but it sounds like he was talking about that period. So it's good to know that they backpaid what they didn't. But third of is there anything from Dio Valmont? Is that it?\n\nOkay. If you could, please, just, yeah, just try and keep track. Because I've yeah. Motors were good. Gaia wasn't sure if they were contributing or not.\n\nAnd Checkpoint, obviously yeah. I still work there, so I know where they live. Yeah. Cool. But, generally, like, obviously, if they've missed up to, like, three months, do you guys chase them up?\n\nOr alright. But do you, like, flag it to customers if you don't see any contributions come through for a bit? Okay. Cool. Alright.\n\nI wouldn't. But, yeah, just obviously keeping it somewhat regular or if at all, because I've heard of, obviously, companies. Guys just don't really check it, and some super funds don't obviously flag it. And then, you know, two or three years down the track when they leave, it's yeah. They haven't had anything put into their account.\n\nYeah. No. Just double checking. Yep. That'd be fantastic.\n\nNo. You've been fantastic, so I'll leave it at that. Either you take. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Caden.","start":5.52,"end":6.16,"sentiment":"neutral","sentiment_score":0.07045108452439308},{"text":"My name is Chris.","start":6.16,"end":7.04,"sentiment":"neutral","sentiment_score":0.039552182890474796},{"text":"I believe I had Kyle try and reach me.","start":7.04,"end":9.3,"sentiment":"neutral","sentiment_score":0.03466391501327356},{"text":"No stress.","start":22.395,"end":23.135,"sentiment":"neutral","sentiment_score":-0.042962100356817245},{"text":"Yep.","start":24.955,"end":25.455,"sentiment":"neutral","sentiment_score":0.028980126604437828}],"sentiment":"neutral","sentiment_score":0.030785670090052817,"num_words":18,"start":5.52,"end":25.455},{"sentences":[{"text":"Oh, fantastic.","start":32.0,"end":32.66,"sentiment":"positive","sentiment_score":0.4373452961444855},{"text":"Thanks.","start":32.8,"end":33.2,"sentiment":"positive","sentiment_score":0.3852771520614624},{"text":"Yourself?","start":33.2,"end":33.7,"sentiment":"neutral","sentiment_score":0.2432049810886383},{"text":"Per usual.","start":43.495,"end":44.055,"sentiment":"neutral","sentiment_score":0.09357717633247375},{"text":"Yep.","start":44.055,"end":44.555,"sentiment":"neutral","sentiment_score":0.15586695075035095}],"sentiment":"neutral","sentiment_score":0.2637420041220529,"num_words":7,"start":32.0,"end":44.555},{"sentences":[{"text":"Sorry?","start":49.415,"end":49.915,"sentiment":"neutral","sentiment_score":-0.016630515456199646},{"text":"O, Jock.","start":49.975,"end":52.475,"sentiment":"neutral","sentiment_score":-0.011519252322614193},{"text":"Can you give me a hint of my grandmother?","start":58.649998,"end":60.51,"sentiment":"neutral","sentiment_score":-0.021288972968856495},{"text":"Will we?","start":62.89,"end":68.81,"sentiment":"neutral","sentiment_score":0.04289770033210516},{"text":"Cool.","start":68.81,"end":69.13,"sentiment":"neutral","sentiment_score":0.11439302563667296}],"sentiment":"neutral","sentiment_score":-0.0020720900346835464,"num_words":15,"start":49.415,"end":69.13},{"sentences":[{"text":"Thanks.","start":69.13,"end":69.615,"sentiment":"neutral","sentiment_score":0.16171666979789734},{"text":"Bye.","start":71.055,"end":71.555,"sentiment":"neutral","sentiment_score":0.10948330163955688},{"text":"Sir, what?","start":112.445,"end":112.925,"sentiment":"neutral","sentiment_score":0.06358671933412552},{"text":"How are you?","start":112.925,"end":113.744995,"sentiment":"neutral","sentiment_score":0.08943300197521846},{"text":"Good.","start":115.71,"end":115.95,"sentiment":"neutral","sentiment_score":0.2656939625740051}],"sentiment":"neutral","sentiment_score":0.11654579732567072,"num_words":8,"start":69.13,"end":115.95},{"sentences":[{"text":"Thanks.","start":115.95,"end":116.270004,"sentiment":"neutral","sentiment_score":0.28697407245635986},{"text":"I'm just gonna start the car so you won't switch on the Bluetooth.","start":116.270004,"end":119.01,"sentiment":"neutral","sentiment_score":0.11683500042328468},{"text":"Any minute.","start":119.39,"end":120.13,"sentiment":"neutral","sentiment_score":0.047401707619428635},{"text":"Yep.","start":134.675,"end":135.175,"sentiment":"neutral","sentiment_score":-0.005545022897422314},{"text":"I had insurances.","start":136.755,"end":137.655,"sentiment":"neutral","sentiment_score":-0.02072464767843485}],"sentiment":"neutral","sentiment_score":0.09164567636325956,"num_words":20,"start":115.95,"end":137.655},{"sentences":[{"text":"Yes.","start":146.75,"end":147.07,"sentiment":"neutral","sentiment_score":0.0904284566640854},{"text":"I did.","start":147.07,"end":147.73,"sentiment":"neutral","sentiment_score":0.09930947050452232},{"text":"I do.","start":148.27,"end":148.93001,"sentiment":"neutral","sentiment_score":0.1571722850203514},{"text":"Yeah.","start":159.97499,"end":160.47499,"sentiment":"neutral","sentiment_score":-0.030252166092395782},{"text":"But since been sorted, like, I don't have that anymore.","start":164.135,"end":168.23499,"sentiment":"neutral","sentiment_score":-0.11513306051492692}],"sentiment":"neutral","sentiment_score":-0.036136925220489495,"num_words":16,"start":146.75,"end":168.23499},{"sentences":[{"text":"Okay.","start":190.095,"end":190.575,"sentiment":"neutral","sentiment_score":0.054571036249399185},{"text":"Yeah.","start":190.575,"end":190.735,"sentiment":"neutral","sentiment_score":0.1297566443681717},{"text":"That's easy.","start":190.735,"end":191.475,"sentiment":"neutral","sentiment_score":0.18351180106401443},{"text":"Yep.","start":191.615,"end":192.115,"sentiment":"neutral","sentiment_score":0.014442078769207},{"text":"Yeah.","start":197.775,"end":198.275,"sentiment":"neutral","sentiment_score":-0.07875948399305344}],"sentiment":"neutral","sentiment_score":0.08117231292029221,"num_words":6,"start":190.095,"end":198.275},{"sentences":[{"text":"Yep.","start":210.43,"end":210.93,"sentiment":"neutral","sentiment_score":0.06537002325057983},{"text":"Well, her income's grown a fair bit as well.","start":229.53,"end":234.82999,"sentiment":"neutral","sentiment_score":0.299078310529391},{"text":"I'm currently on that, but it will it will continue to go up.","start":242.25,"end":244.65,"sentiment":"neutral","sentiment_score":0.08466377567786437},{"text":"So as long as that's sort of covered, that's fine.","start":244.65,"end":248.845,"sentiment":"neutral","sentiment_score":0.1900059998035431},{"text":"Yeah.","start":257.545,"end":257.785,"sentiment":"neutral","sentiment_score":0.06572303175926208}],"sentiment":"neutral","sentiment_score":0.1712790274006479,"num_words":34,"start":210.43,"end":257.785},{"sentences":[{"text":"Okay.","start":257.785,"end":258.265,"sentiment":"neutral","sentiment_score":0.07437468320131302},{"text":"Yep.","start":258.265,"end":258.765,"sentiment":"neutral","sentiment_score":0.04872536286711693},{"text":"Yeah.","start":268.6,"end":269.0,"sentiment":"neutral","sentiment_score":0.07245468348264694},{"text":"Yeah.","start":269.0,"end":269.5,"sentiment":"neutral","sentiment_score":0.06475915014743805},{"text":"Yep.","start":283.895,"end":284.395,"sentiment":"neutral","sentiment_score":0.18342816829681396}],"sentiment":"neutral","sentiment_score":0.08874840959906578,"num_words":5,"start":257.785,"end":284.395},{"sentences":[{"text":"Yep.","start":296.44,"end":296.94,"sentiment":"neutral","sentiment_score":0.10783323645591736},{"text":"Yeah.","start":319.73,"end":320.13,"sentiment":"neutral","sentiment_score":0.05903518199920654},{"text":"So it kinda gives me what do you say?","start":320.13,"end":322.53,"sentiment":"neutral","sentiment_score":0.0323737979763084},{"text":"Is it it's 1.4 on the dot?","start":322.53,"end":323.97,"sentiment":"neutral","sentiment_score":0.017376265488564968},{"text":"Or oh, yeah.","start":323.97,"end":329.59,"sentiment":"neutral","sentiment_score":0.19215013148883978}],"sentiment":"neutral","sentiment_score":0.055062707291827315,"num_words":21,"start":296.44,"end":329.59},{"sentences":[{"text":"I'm happy with that for now.","start":335.075,"end":336.535,"sentiment":"positive","sentiment_score":0.5169143378734589},{"text":"Yeah.","start":362.995,"end":363.495,"sentiment":"neutral","sentiment_score":0.06563100218772888},{"text":"Yep.","start":363.555,"end":363.955,"sentiment":"neutral","sentiment_score":0.03331097960472107},{"text":"Absolutely.","start":363.955,"end":364.455,"sentiment":"neutral","sentiment_score":0.04736647382378578},{"text":"Yeah.","start":389.83,"end":390.33,"sentiment":"neutral","sentiment_score":0.019900068640708923}],"sentiment":"neutral","sentiment_score":0.3267694551497698,"num_words":10,"start":335.075,"end":390.33},{"sentences":[{"text":"Look.","start":391.85498,"end":392.35498,"sentiment":"neutral","sentiment_score":0.020236652344465256},{"text":"Okay.","start":394.495,"end":394.995,"sentiment":"neutral","sentiment_score":0.32147863507270813},{"text":"I'm pretty happy with the policy as it is, so I probably don't need to bridge that gap for the income protection if it's gonna because I'm assuming two policies obviously means more more out of the account, more premiums.","start":395.775,"end":412.93,"sentiment":"positive","sentiment_score":0.3489697840064764},{"text":"Yeah.","start":442.24002,"end":442.72,"sentiment":"neutral","sentiment_score":0.1905820369720459},{"text":"Look.","start":442.72,"end":443.12,"sentiment":"positive","sentiment_score":0.35952460765838623}],"sentiment":"positive","sentiment_score":0.33751393846151506,"num_words":44,"start":391.85498,"end":443.12},{"sentences":[{"text":"I'm I'm in a pretty good position right now.","start":443.12,"end":445.94,"sentiment":"positive","sentiment_score":0.5615695085790422},{"text":"And, yeah, I can definitely live off because I think that'll come down to about 5 or just under 5.","start":448.51498,"end":455.715,"sentiment":"neutral","sentiment_score":0.3246828272938728},{"text":"So that'll cover the mortgage, you know, few few, yeah, quite easily.","start":455.715,"end":462.195,"sentiment":"neutral","sentiment_score":0.32214587554335594},{"text":"So awesome.","start":462.195,"end":465.80002,"sentiment":"positive","sentiment_score":0.4120631739497185},{"text":"Okay.","start":497.95,"end":498.27002,"sentiment":"neutral","sentiment_score":0.06828757375478745}],"sentiment":"positive","sentiment_score":0.3705896943468939,"num_words":44,"start":443.12,"end":498.27002},{"sentences":[{"text":"Cool.","start":498.27002,"end":498.77002,"sentiment":"neutral","sentiment_score":0.13754203915596008},{"text":"No.","start":506.665,"end":507.065,"sentiment":"neutral","sentiment_score":-0.056023843586444855},{"text":"Not really.","start":507.065,"end":507.885,"sentiment":"neutral","sentiment_score":-0.07381601631641388},{"text":"Actually, I was wondering when you guys were gonna get back to me.","start":508.58502,"end":511.225,"sentiment":"neutral","sentiment_score":-0.09182259239829503},{"text":"So Yeah.","start":511.225,"end":527.23004,"sentiment":"neutral","sentiment_score":-0.055707771331071854}],"sentiment":"neutral","sentiment_score":-0.07216963583701536,"num_words":19,"start":498.27002,"end":527.23004},{"sentences":[{"text":"No.","start":529.05,"end":529.21,"sentiment":"neutral","sentiment_score":-0.01620379462838173},{"text":"No.","start":529.21,"end":529.37,"sentiment":"neutral","sentiment_score":0.028284795582294464},{"text":"It's all good.","start":529.37,"end":530.01,"sentiment":"neutral","sentiment_score":0.19308255116144815},{"text":"No no stress on my end.","start":530.01,"end":531.55,"sentiment":"neutral","sentiment_score":0.10947212080160777},{"text":"Cool.","start":533.53,"end":534.03,"sentiment":"positive","sentiment_score":0.4467861652374267}],"sentiment":"neutral","sentiment_score":0.14124562870711088,"num_words":12,"start":529.05,"end":534.03},{"sentences":[{"text":"Nice.","start":535.45,"end":535.95,"sentiment":"positive","sentiment_score":0.4541911482810974},{"text":"Yeah, looking forward to kind of just, yeah, have a look at that portfolio.","start":536.97504,"end":543.315,"sentiment":"neutral","sentiment_score":0.20700076967477798},{"text":"And I think I'm in pretty much all high risk at the moment or, like, majority of it.","start":543.375,"end":550.03503,"sentiment":"neutral","sentiment_score":-0.09158910438418388},{"text":"Yep.","start":581.62,"end":582.12,"sentiment":"neutral","sentiment_score":-0.04548073932528496},{"text":"Yep.","start":592.485,"end":592.985,"sentiment":"neutral","sentiment_score":0.05983791872859001}],"sentiment":"neutral","sentiment_score":0.04908443497759955,"num_words":35,"start":535.45,"end":592.985},{"sentences":[{"text":"Yeah.","start":611.1,"end":611.6,"sentiment":"neutral","sentiment_score":0.07564245164394379},{"text":"Yep.","start":611.66,"end":612.16,"sentiment":"neutral","sentiment_score":0.1493324488401413},{"text":"Yeah.","start":652.07495,"end":652.555,"sentiment":"neutral","sentiment_score":0.03944903612136841},{"text":"So when do you wanna book in that update?","start":652.555,"end":654.475,"sentiment":"neutral","sentiment_score":0.05488909698194928},{"text":"Because I probably will will that be active from then along and try and reposition it elsewhere.","start":654.475,"end":661.79,"sentiment":"neutral","sentiment_score":0.019448982332559192}],"sentiment":"neutral","sentiment_score":0.037553741692982874,"num_words":29,"start":611.1,"end":661.79},{"sentences":[{"text":"Oh, so you you guys already do that?","start":665.69,"end":667.45,"sentiment":"neutral","sentiment_score":0.025255013024434447},{"text":"Yep.","start":667.45,"end":667.85,"sentiment":"neutral","sentiment_score":0.16367438435554504},{"text":"Cool.","start":667.85,"end":668.35,"sentiment":"positive","sentiment_score":0.3981666564941406},{"text":"Yep.","start":681.32996,"end":681.82996,"sentiment":"neutral","sentiment_score":0.16083720326423645},{"text":"Do you guys obviously, you'd look after a fair few portfolios.","start":683.64996,"end":687.82996,"sentiment":"neutral","sentiment_score":0.14236517318270422}],"sentiment":"neutral","sentiment_score":0.11321523878723383,"num_words":22,"start":665.69,"end":687.82996},{"sentences":[{"text":"Do you have statistics on your ones that are doing, like, the highest amount of growth?","start":688.61,"end":693.32996,"sentiment":"neutral","sentiment_score":0.1348912655375898},{"text":"Like like, what their ratios are?","start":693.32996,"end":696.55,"sentiment":"neutral","sentiment_score":0.009604893003900846},{"text":"What they've invested in.","start":697.33496,"end":702.235,"sentiment":"neutral","sentiment_score":0.016348535427823663},{"text":"Yep.","start":708.695,"end":709.195,"sentiment":"neutral","sentiment_score":0.021812906488776207},{"text":"Yep.","start":731.60504,"end":732.10504,"sentiment":"neutral","sentiment_score":0.06394004821777344}],"sentiment":"neutral","sentiment_score":0.08453702510866735,"num_words":28,"start":688.61,"end":732.10504},{"sentences":[{"text":"Yes.","start":740.325,"end":740.825,"sentiment":"neutral","sentiment_score":0.07312279939651489},{"text":"Yeah.","start":748.7,"end":749.2,"sentiment":"neutral","sentiment_score":-0.046974167227745056},{"text":"Yeah.","start":759.045,"end":759.285,"sentiment":"neutral","sentiment_score":0.08607806265354156},{"text":"I think it'd be good to have a bit of a portion in index funds.","start":759.285,"end":762.965,"sentiment":"neutral","sentiment_score":0.20421767632166546},{"text":"I think what's still about 4% four and a half percent a a year growth.","start":762.965,"end":767.785,"sentiment":"neutral","sentiment_score":0.16796893179416655}],"sentiment":"neutral","sentiment_score":0.17257653989575125,"num_words":33,"start":740.325,"end":767.785},{"sentences":[{"text":"It's not much, but it's it's consistent.","start":767.845,"end":769.625,"sentiment":"neutral","sentiment_score":0.08124247725520815},{"text":"Yeah.","start":778.34,"end":778.82,"sentiment":"neutral","sentiment_score":-0.17675457894802094},{"text":"I'd probably call that more dissensus if anything gone into an index index fund.","start":778.82,"end":784.2,"sentiment":"negative","sentiment_score":-0.47150577179023195},{"text":"Okay.","start":797.615,"end":798.115,"sentiment":"neutral","sentiment_score":0.10898222774267197},{"text":"Yeah.","start":814.14996,"end":814.64996,"sentiment":"neutral","sentiment_score":0.03497175872325897}],"sentiment":"neutral","sentiment_score":-0.25271600236495334,"num_words":24,"start":767.845,"end":814.64996},{"sentences":[{"text":"Probably last question is, when over in The States, they have, like, tax free bonds and all that.","start":833.33,"end":838.61,"sentiment":"neutral","sentiment_score":0.029115236985186737},{"text":"Do we do anything similar over in Australia?","start":838.61,"end":841.91,"sentiment":"neutral","sentiment_score":0.02812898065894842},{"text":"Right.","start":857.71497,"end":858.21497,"sentiment":"neutral","sentiment_score":0.12235446274280548},{"text":"Yep.","start":858.51495,"end":859.01495,"sentiment":"neutral","sentiment_score":0.14139574766159058},{"text":"Mhmm.","start":883.025,"end":883.525,"sentiment":"neutral","sentiment_score":0.15630576014518738}],"sentiment":"neutral","sentiment_score":0.040315933846708,"num_words":29,"start":833.33,"end":883.525},{"sentences":[{"text":"Yeah.","start":929.73,"end":929.97003,"sentiment":"neutral","sentiment_score":0.28509432077407837},{"text":"Right.","start":929.97003,"end":930.21,"sentiment":"neutral","sentiment_score":0.2889091372489929},{"text":"So it sounds like something I'd personally just invest in with, like, some liquid rather than using the fund.","start":930.21,"end":936.545,"sentiment":"neutral","sentiment_score":0.2734061981502332},{"text":"Yeah.","start":943.965,"end":944.465,"sentiment":"neutral","sentiment_score":0.2610420286655426},{"text":"Righto.","start":956.1,"end":956.6,"sentiment":"neutral","sentiment_score":0.079195037484169}],"sentiment":"neutral","sentiment_score":0.265606882131618,"num_words":23,"start":929.73,"end":956.6},{"sentences":[{"text":"And we can only invest in what's in the ASX, not on the nose decorating?","start":957.14,"end":963.615,"sentiment":"neutral","sentiment_score":0.030586530764897663},{"text":"Yeah.","start":973.86,"end":974.18,"sentiment":"neutral","sentiment_score":0.0777927041053772},{"text":"So, obviously, you mentioned heavy metals is something I wanna get into, but also the tech side as well.","start":974.18,"end":981.37994,"sentiment":"neutral","sentiment_score":0.11572223784107911},{"text":"So I've been on and off Ceraburus personally at the moment.","start":981.37994,"end":985.16,"sentiment":"neutral","sentiment_score":0.19116411290385507},{"text":"I've got a broker who's willing to sell off a portion, of his allotment, because I know they're gonna go through an RPA potentially mid this year, but it's doing pretty well in the secondary market.","start":986.935,"end":1006.26996,"sentiment":"neutral","sentiment_score":0.2119612598584758}],"sentiment":"neutral","sentiment_score":0.15205760709032778,"num_words":82,"start":957.14,"end":1006.26996},{"sentences":[{"text":"Oh, no.","start":1024.425,"end":1025.165,"sentiment":"neutral","sentiment_score":-0.1746189370751381},{"text":"I mean, so, yeah, more so when it becomes available, if if it does, for you guys, that's something I'd be looking at.","start":1025.625,"end":1032.63,"sentiment":"neutral","sentiment_score":0.03538650079913761},{"text":"And but, yeah, mostly any other tech companies that would have a potential move in the next couple of years.","start":1032.63,"end":1041.645,"sentiment":"neutral","sentiment_score":0.08867696300148964},{"text":"Okay.","start":1069.5199,"end":1070.0199,"sentiment":"neutral","sentiment_score":0.1838510036468506},{"text":"Yeah.","start":1088.2799,"end":1088.6,"sentiment":"neutral","sentiment_score":0.21969494223594663}],"sentiment":"neutral","sentiment_score":0.056207167024308065,"num_words":47,"start":1024.425,"end":1088.6},{"sentences":[{"text":"Okay.","start":1088.6,"end":1089.1,"sentiment":"neutral","sentiment_score":0.2642732560634613},{"text":"I think so too.","start":1101.725,"end":1102.685,"sentiment":"neutral","sentiment_score":0.21664275228977203},{"text":"Yeah.","start":1102.685,"end":1103.185,"sentiment":"neutral","sentiment_score":0.19988396763801575},{"text":"Alright.","start":1105.245,"end":1105.745,"sentiment":"neutral","sentiment_score":0.16563983261585236},{"text":"No.","start":1116.08,"end":1116.5599,"sentiment":"neutral","sentiment_score":-0.17013205587863922}],"sentiment":"neutral","sentiment_score":0.1657795011997223,"num_words":8,"start":1088.6,"end":1116.5599},{"sentences":[{"text":"It wouldn't be.","start":1116.5599,"end":1117.38,"sentiment":"neutral","sentiment_score":-0.19889891147613525},{"text":"But it's good to know.","start":1117.6,"end":1118.74,"sentiment":"neutral","sentiment_score":0.16097007393836976},{"text":"Just sort of yeah.","start":1119.36,"end":1120.74,"sentiment":"neutral","sentiment_score":0.04584329482167959},{"text":"Well, that's all what there you go.","start":1122.0,"end":1125.22,"sentiment":"neutral","sentiment_score":0.007760652473994664},{"text":"Yeah.","start":1160.625,"end":1161.105,"sentiment":"neutral","sentiment_score":0.1300979107618332}],"sentiment":"neutral","sentiment_score":0.02879746463149786,"num_words":20,"start":1116.5599,"end":1161.105},{"sentences":[{"text":"Yeah.","start":1161.105,"end":1161.345,"sentiment":"neutral","sentiment_score":0.14696642756462097},{"text":"I get that.","start":1161.345,"end":1162.245,"sentiment":"neutral","sentiment_score":0.1441704531510671},{"text":"Yeah.","start":1162.545,"end":1162.705,"sentiment":"neutral","sentiment_score":0.09696877747774124},{"text":"I was sort of just yeah.","start":1162.705,"end":1164.245,"sentiment":"neutral","sentiment_score":0.06260168614486854},{"text":"After how high of a risk can win best, but, obviously, that yeah.","start":1164.705,"end":1168.41,"sentiment":"neutral","sentiment_score":0.008505365882928554}],"sentiment":"neutral","sentiment_score":0.048442768243451916,"num_words":24,"start":1161.105,"end":1168.41},{"sentences":[{"text":"You pretty much answered my question.","start":1168.41,"end":1169.79,"sentiment":"neutral","sentiment_score":0.1238351638118426},{"text":"Okay.","start":1196.725,"end":1197.225,"sentiment":"neutral","sentiment_score":-0.13769292831420898},{"text":"Alright.","start":1201.27,"end":1201.77,"sentiment":"neutral","sentiment_score":-0.016297196969389915},{"text":"Yep.","start":1202.15,"end":1202.65,"sentiment":"neutral","sentiment_score":0.0475025475025177},{"text":"Yeah.","start":1219.515,"end":1219.8351,"sentiment":"neutral","sentiment_score":0.030950525775551796}],"sentiment":"neutral","sentiment_score":0.06674739308655261,"num_words":10,"start":1168.41,"end":1219.8351},{"sentences":[{"text":"Okay.","start":1219.8351,"end":1220.3151,"sentiment":"neutral","sentiment_score":0.03762418031692505},{"text":"No.","start":1220.3151,"end":1220.555,"sentiment":"neutral","sentiment_score":0.008219555020332336},{"text":"That's that's good.","start":1220.555,"end":1221.675,"sentiment":"neutral","sentiment_score":0.10797125721971194},{"text":"That's never been explained to me because I used to be a bus queue, and they called it high graph high risk.","start":1221.675,"end":1226.85,"sentiment":"neutral","sentiment_score":-0.06946154158901084},{"text":"So I just assumed you guys are the same, but that makes a lot more sense, actually.","start":1226.99,"end":1231.39,"sentiment":"neutral","sentiment_score":-0.0016544494120513693}],"sentiment":"neutral","sentiment_score":-0.026966410181061787,"num_words":44,"start":1219.8351,"end":1231.39},{"sentences":[{"text":"So Yeah.","start":1231.39,"end":1248.4149,"sentiment":"neutral","sentiment_score":-0.019508779980242252},{"text":"Yep.","start":1277.2101,"end":1277.7101,"sentiment":"neutral","sentiment_score":0.04463666677474976},{"text":"Oh, actually, while I've got you, can you see if my current employer is making contributions?","start":1278.01,"end":1287.23,"sentiment":"neutral","sentiment_score":0.01272546302061528},{"text":"Oh, fantastic.","start":1309.16,"end":1310.7001,"sentiment":"positive","sentiment_score":0.5025088936090469},{"text":"It's good to know.","start":1312.4401,"end":1313.5,"sentiment":"neutral","sentiment_score":0.2904852479696274}],"sentiment":"neutral","sentiment_score":0.09504741176962853,"num_words":25,"start":1231.39,"end":1313.5},{"sentences":[{"text":"Alright.","start":1323.025,"end":1323.525,"sentiment":"neutral","sentiment_score":-0.023867309093475345},{"text":"That that makes sense because, yeah, just one of my coworkers just said to keep an eye on them, but it sounds like he was talking about that period.","start":1327.4249,"end":1336.5199,"sentiment":"neutral","sentiment_score":-0.012483088941923503},{"text":"So it's good to know that they backpaid what they didn't.","start":1336.58,"end":1340.0399,"sentiment":"neutral","sentiment_score":0.10941830785437064},{"text":"But third of is there anything from Dio Valmont?","start":1342.74,"end":1354.215,"sentiment":"neutral","sentiment_score":-0.014009648623565832},{"text":"Is that it?","start":1362.89,"end":1363.79,"sentiment":"neutral","sentiment_score":0.017521586269140244}],"sentiment":"neutral","sentiment_score":0.014041555078946194,"num_words":53,"start":1323.025,"end":1363.79},{"sentences":[{"text":"Okay.","start":1365.77,"end":1366.27,"sentiment":"neutral","sentiment_score":0.004678788594901562},{"text":"If you could, please, just, yeah, just try and keep track.","start":1373.93,"end":1378.265,"sentiment":"neutral","sentiment_score":0.10294849493286827},{"text":"Because I've yeah.","start":1378.4851,"end":1379.285,"sentiment":"neutral","sentiment_score":0.1447910120089849},{"text":"Motors were good.","start":1379.285,"end":1380.3451,"sentiment":"neutral","sentiment_score":0.29462070763111115},{"text":"Gaia wasn't sure if they were contributing or not.","start":1380.4851,"end":1383.045,"sentiment":"neutral","sentiment_score":-0.10062796622514725}],"sentiment":"neutral","sentiment_score":0.05739613687964501,"num_words":27,"start":1365.77,"end":1383.045},{"sentences":[{"text":"And Checkpoint, obviously yeah.","start":1383.045,"end":1386.3251,"sentiment":"neutral","sentiment_score":-0.014269094914197922},{"text":"I still work there, so I know where they live.","start":1386.3251,"end":1388.5851,"sentiment":"neutral","sentiment_score":0.019981440715491773},{"text":"Yeah.","start":1401.12,"end":1401.44,"sentiment":"neutral","sentiment_score":0.11014458537101746},{"text":"Cool.","start":1401.44,"end":1401.94,"sentiment":"neutral","sentiment_score":0.16392239928245544},{"text":"But, generally, like, obviously, if they've missed up to, like, three months, do you guys chase them up?","start":1402.1599,"end":1408.575,"sentiment":"neutral","sentiment_score":-0.04802173707220289}],"sentiment":"neutral","sentiment_score":-0.013164301622001565,"num_words":34,"start":1383.045,"end":1408.575},{"sentences":[{"text":"Or alright.","start":1408.575,"end":1417.315,"sentiment":"neutral","sentiment_score":-0.030961553566157818},{"text":"But do you, like, flag it to customers if you don't see any contributions come through for a bit?","start":1417.855,"end":1424.48,"sentiment":"neutral","sentiment_score":-0.027672269087480873},{"text":"Okay.","start":1431.845,"end":1432.345,"sentiment":"neutral","sentiment_score":0.015107628889381886},{"text":"Cool.","start":1436.885,"end":1437.385,"sentiment":"neutral","sentiment_score":0.039395369589328766},{"text":"Alright.","start":1441.605,"end":1442.085,"sentiment":"neutral","sentiment_score":0.006739259697496891}],"sentiment":"neutral","sentiment_score":-0.021935581734093528,"num_words":24,"start":1408.575,"end":1442.085},{"sentences":[{"text":"I wouldn't.","start":1442.085,"end":1442.5651,"sentiment":"neutral","sentiment_score":-0.02021830342710018},{"text":"But, yeah, just obviously keeping it somewhat regular or if at all, because I've heard of, obviously, companies.","start":1442.5651,"end":1450.47,"sentiment":"neutral","sentiment_score":-0.030731667143603165},{"text":"Guys just don't really check it, and some super funds don't obviously flag it.","start":1451.73,"end":1455.5701,"sentiment":"neutral","sentiment_score":-0.13257612341216632},{"text":"And then, you know, two or three years down the track when they leave, it's yeah.","start":1455.5701,"end":1460.61,"sentiment":"neutral","sentiment_score":-0.05730508640408516},{"text":"They haven't had anything put into their account.","start":1460.61,"end":1463.1349,"sentiment":"neutral","sentiment_score":-0.10977544169872999}],"sentiment":"neutral","sentiment_score":-0.07318546998732049,"num_words":58,"start":1442.085,"end":1463.1349},{"sentences":[{"text":"Yeah.","start":1477.26,"end":1477.76,"sentiment":"neutral","sentiment_score":-0.02390798181295395},{"text":"No.","start":1477.82,"end":1478.22,"sentiment":"neutral","sentiment_score":-0.0965326726436615},{"text":"Just double checking.","start":1478.22,"end":1479.2,"sentiment":"neutral","sentiment_score":-0.07696279262502988},{"text":"Yep.","start":1489.58,"end":1489.9,"sentiment":"neutral","sentiment_score":0.08938387036323547},{"text":"That'd be fantastic.","start":1489.9,"end":1490.7999,"sentiment":"positive","sentiment_score":0.5438773234685262}],"sentiment":"neutral","sentiment_score":0.1521874231596788,"num_words":9,"start":1477.26,"end":1490.7999},{"sentences":[{"text":"No.","start":1501.3949,"end":1501.715,"sentiment":"neutral","sentiment_score":-0.08846384286880493},{"text":"You've been fantastic, so I'll leave it at that.","start":1501.715,"end":1504.53,"sentiment":"positive","sentiment_score":0.5564279589388106},{"text":"Either you take.","start":1516.0908,"end":1520.2609,"sentiment":"neutral","sentiment_score":0.1619825785358747},{"text":"Bye.","start":1520.2609,"end":1520.7609,"sentiment":"neutral","sentiment_score":-0.1104506254196167}],"sentiment":"positive","sentiment_score":0.37820606412632124,"num_words":14,"start":1501.3949,"end":1520.7609}]}}]},{"alternatives":[{"transcript":"Afternoon. Thank you for calling Oakview Financial. This is Caden. Yeah. Of course. Let me just quickly jump in and have a look. I won't be two seconds. It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I navigate around properly. And search for phone number. Awesome. Thank you so much, Christopher. How are you? Yeah. Very well. Thank you. Now just before I can continue for you today, I do just have to let you know that the call is recorded for quality and coaching purposes. Are you okay with that one? Lovely. And I've got a client password on file for you as well. Do you know what that one is? Well, I've got a different one. Yeah. I've got grandmother. Yep. Yeah. Awesome. Thank you for that one. Alrighty. I'm gonna pop you on a brief hold, and I'll see if Carl's still available. Alrighty. Thank you. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals when we return to your call. Afternoon, Christopher. Thanks for returning my call there. Yeah. Not bad. How are you going? No problem. But, yeah, the reason I was calling there, Christopher, was just in regards to your insurances if you remember our brief con conversation end of last year. Yep. So I know, like do you remember our conversation sort of end of last year before the Christmas bake around insurances and the increase that you're looking for? Yep. So the the pre assessment's come back for that one. I don't know if you remember the conversation. I know you just had the the niggle with the the neck there that you're seeing a car o four. Yeah. So with that oh, sorry? Yes. The the recency of that though, they're they're gonna look at probably applying a neck exclusion to a policy that is underwritten again. Now the options is, obviously, we can look at doing just a top up until such time that you've know enough time has passed where the condition sort of doesn't mean that it'll be an exclusion, but they look, yeah, that they look kind of rough on things to do with, like, neck, spine, musculoskeletal stuff that, you know, spinal exclusions are quite common, especially when you go up to see a chiro. So you'd probably have to do a couple years symptom free before they wouldn't add that exclusion just due to how close it was. So so with that, we can look at just doing a top up in conjunction with the policy you already have because you already have the 1.4 of life in TPG, which I know you're pretty sorta happy with given that you've only got the the $470,000 mortgage. It was the IP portion because your income's at that $1.70 mark that was the main thing. Yes. So you're currently on the 170,000 per annum, or has it gone up from that? Yes. Your monthly benefit at the moment, which 70% is like the max you can sort of do at the moment without, like, booster options of your your income. Now on your current income, that's around $9.09, a little bit over, and you're currently only covered for around the 6,290 as a monthly benefit, so quite a bit below that. Now the portion different because, obviously, you don't have the NEC exclusion on the current income protection cover policy there just due to the recency of it. So we wanna retain that, and then we can just look to top up the remaining, like, 4,000 on a different policy just to bridge bridge the gap, and then you'd have that neck exclusion on that. Now if you go a couple years and you don't have any ongoing issues and no other health issues arise, we can look at just rewriting everything down to one policy again. So you don't have the two. But in the meantime, yeah, because you're gonna end up with that exclusion most likely, then we wanna sort of make sure we keep the one that's there. But in regards to your life and TPD portion, are you happy with the 1,400,000.0? Do you wanna look at topping up that at all, or are you pretty happy with that given your level of debt? Yeah. Close enough. It's $1.03 $9.09 $9.05. Yeah. Because that will basically like, if you include your superannuation as well, which you can normally offset, it basically covers your debt, and then you've got, like, a mill afterwards, which is, you know, probably around that seven point five ish years income replacement if anything did go wrong in terms of, like, PPE amount. But then you can also invest that money as well if something were to happen. So you paid any debt, have that invested, and be able to sort of look at drawing that down as an income there as well. Yeah. Because, obviously, you know, you're not paying too much for it now, but it will obviously creep up. We can obviously look at reductions in the future as well. Just wanna see where you're at and see if you just wanna look at doing that top up. We can look at doing the 15% increase within line with the policy, but it has to be within thirty days of the annual review, like, the review of the policy, which is the seventh, like, month. Sorry. So twenty eighth to the seventh, we'd be able to look at doing that, and then we could look at topping that up a small amount. Yeah. You would be paying it would be paying more. So if you feel like, yeah, if anything did go wrong, you'd be able to get by on that $6,000 a month sort of monthly benefit. Because, obviously, with that, you're still taxed on that, and whatever amount that is comes down to what income you've earned in that year. But if you wanna work towards being a little bit more self insured, I know you don't have too much debt other than, like, the the car, a little bit of credit card here and there, and then the mortgage. So if you sort of even look at getting ahead a bit more on your mortgage and using that as a bit of a self insurance measure? Yep. Not a not a problem at all. So if you're if you're happy retaining that, that's more than fine. Then we can just look at just doing an update in regards to your shooper investments. I know we're just reviewing those with that as well. And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment. I don't know if you got the the newsletter with the the Benelong. It did take a bit of a backward step, which is partially the reason we're reviewing as well. And then with that, we'll just give you an update on that and provide an advice document for them. We'll just look to retain your current insurances. Not a problem at all. Do you have any questions for me in regards to anything at all while you've got me there? Do do apologize. Yeah. So insurances took a little bit, and then we also changed systems, like, at the the start of the year. So it's been moving everyone over to that and try not to lose everything in the meantime as well. So it's been a bit of a a madhouse for the the last few weeks. I do apologize for that. So you're in a high growth portfolio. So with that, it's about a ninety ten split and it's 90% growth asset It's about 10% offensive. Now within regards to that as well, you do have an active portion of that, which is that Benelon. I'll just log in quickly because it's just logged me out. And which is the one that got back like, went backwards. So it had an underlying investment called corporate traveler, and they got suspended on the ASX because they weren't reporting correctly and they got done for it, basically, which was like a key holding in that Benelung Fund, which like, it wasn't Australian Equities, which is like, it's Australian Equities Fund that were performing badly. It was literally solely because of that announcement with that underlying investment. Now don't get me wrong. Benelung hasn't been performing to the point where you'd want it to for an actively managed fund anyway for the past couple of years. Like, it hasn't been going backwards, obviously, but it hasn't exactly, for the cost you pay, been getting the returns you'd you'd want out of someone that's meant to be trying to outperform the market, if that makes sense. So the the options there with that as well, we can obviously look to replace that with an active managed portion to look at the same sort of thing trying to have perform the market and having a little bit of that manager risk there as well or looking at potentially just removing the active portion for a little bit there as well. Now with your account, it's for the past twelve months, it sort of with what happened in, you know, early start of the year with Trump and his tariff talks and then that Benelon thing hasn't done too much over the past, like, six months. It's it's had a bit stagnant. But since you've been on board, it's still ticking up nicely in terms of, like, your total returns over those few years. But, yeah, we obviously wanna do a bit of an update. Yeah. Exact so we'll still do that now. Like, that's why I was calling just the insurance side of that. So we're, yeah, we're still doing that in the background as well. And then we'll get that together for you, and then we'll get you booked in for that as well. I can even sort of calendar's pretty full at the moment, but even, like, a couple weeks from now, even, like, Thursday, the twenty sixth maybe, get you booked in to present that. So at the at the moment, a lot of the ones with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past, you know, two years with everything that was happening. Now a lot of that as well, the active managed funds with everything that's happening in the world, they've been struggling a little bit. A lot of them, like, haven't been outperforming the market, so we could look to just do a more of an index, which is lower cost as well. It costs you less to invest in those funds than it does to have the active managed funds. And then you just sort of follow what the the markets are doing a bit more closely. So that's like that S and P 500, which is a core of your portfolio, that's like an indexed investment where it tracks the top 500 companies in America. Now it is still fluid in the sense that if a company falls out of that top 500, it falls out of, like, the investment holding that you hold. But it's less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas. So you wanna look at keeping a bit more of an active management like, at least some portion of active in that? Yep. No. We can look at that and just, like, looking to be solely sort of index. It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper. And that will be, like, a direct savings even if it performs at the same level or better. Like, if it performs better, you double win because it costs less you're performing better, which it has sort of for the past, like, at least year and a half just given the way that the markets have been traveling. And then, like, things like even the tech industries, like, over the past few months has taken a real big hit. It was over overinflated a little bit then. It's sort of taken that backwards step. But, yeah, we can definitely look at a more indexed approach that's a bit cheaper and then hopefully get you those nice returns in conjunction with that as well. So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that. You can set them up for yourself, for children. You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of that. Because the way they work is that the company holds much like super like, you they have a trustee that owns it and you're the beneficiary of it. That's the same as sort of those investment bonds where the company actually owns the bond, but you're the beneficiary of it. So you pay the company's tax rate, but then they also have a lot of relationships with the investments that they they hold within those funds, which lowers the effective tax rate. And then also with that as well, they do a lot of, like, the the buyers and sells that become more tax effective in their trading. So you the effective tax rate of the bond can get much lower than the 30%, and then you can use them the same as any other investment. You do regular savings plans, things like that. They do have limits if you stop investing in it. You can't invest anymore unless you'd, like, reach the 120 or not the 120 125% rule there as well. So if you stop contributing, that resets the ten year rule. And then if you contribute over the 125, it also resets that ten year rule. But if as long as you stay in line with that, within your contributions with each financial year, it's golden. And then ten years from now, you get a tax free distribution. So with that one there is yeah. That's like a a more personal investment, like, outside of the superannuation environment. They do hold certain ones, like, on the platforms, but it doesn't really sort of make much sense when if you hold your super to the preservation age anyway, it becomes a tax free distribution anyway. No. There are a bunch of other, you know, foreign exchange listed securities on there. Was there something in particular that that you were looking at investing in? Yeah. Given that it's hasn't gone to IPO yet and that how, like, new it is, it probably isn't available, like, with on, like, the Hub twenty four platform or any superannuation platform. So that's something you'd have to probably invest in outside of superannuation if that's something you're looking. Yep. So with that and the index investing, that doesn't really hold, like, the, like, direct shares, and we don't, like, normally invest in direct shares as, like, a whole just because of the risky nature of them and things like that within the super. But we can invest in them if they're available, and there are specific ones that you want to be in. So with that, you'll still have, like, a tech within your profile, and we can even do a tech, like, index investment there as well and then have that as a portion of it. As far as any direct equities that you'd want in it and sort of suggest them if they are available, we can chuck them in there if they're within, like, investment grade products. That's, like, less without our advice and just with transaction without advice, so we just do it for you and something that you want. And we can look at a more, like, index sorta tech approach there as well. As I said, it went down a little bit the end of last year and this year, but in saying that it might be the time to buy as well with the dip. And then if the once that sort of if it does come available on the fund, I'm more than happy to sorta facilitate that trade for you as well if that's something you did want. But I doubt that Cerberus one's available in it at the moment. Yeah. Because it yeah. So they are quite strict on what they're allowed to be invested on in, like, your superannuation funds because, obviously, at the end of the day, it is like people's retirement funds. So even things like crypto and stuff, they're they're not available, and I doubt they'll, like, ever be in the near future available inside superannuation. So they are quite strict on what is available. But if it does get listed on the ASX, generally, it is considered, you know, quite good investment grade quality, and then likelihood of them making it in there if they sort of keep a good track record is a lot higher than something that is just sort of, you know, not performing too great. Yeah. It's it's not like when I say, like, too, when you're in a high growth, it's not that your investments become any riskier generally. It's the fact that you just have a higher allocation to growth. So even if you went down to, like, an eighty ten split, the the level of, like, assets that you're investing in, they don't become any less risky. It just means that you have more in the defensive portion as a waiting, so it just shifts things around a little bit there as well. It's not like it changes the whole portfolio to something completely different risk, completely different level of exposure. It's just the the weightings that change, and some of the investments obviously do change, but it's more the weightings towards growth versus those defensive assets. And you have your alternatives, which are like your your heavy metals, which get a bit of capital growth, which, you know, can be a growth asset, can be defensive depending on what the market's doing. Yeah. And it's the the same kind of any obviously, like, people have their different investing styles and having the active management is considered more risky, which is why that's it's not exactly the same type of risk. It's more like a management risk and how they perform within that. But they're sort of investing in the same sort of companies and things like that. They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing. Whereas that index, like, you're just investing within those growth assets, same sort of shares, property, those sort of things, and fixed interest gold. It's just the weightings that differ. And then they're a lot more sort of, you know, technical in their approach because it's literally just the markets and how they grow and how the companies are growing that dictates what's in there. Bear with me. I'll just bring it up. It's just loading up there now. So the last one I have in there was the twenty fourth at twelve from Checkpoint Constructions, p t l y d. And it seems like they they looks like they did a bit of a a back payment, so you might have been owed a little bit of super because there's, like, a 400 and then a $1,500 payment. So it looks like they've dumped all the the owing amounts in there at that time. Yeah. I wouldn't exactly be able to know exact because the the last one before is the eleventh of the eighth for, MODIS projects. And then, yeah, you've got that too. Yeah. There is one from Belmont as well at the twenty eighth to the seventh for $470. So that was just the last time. Do you want me to do up? I can do this financial year's deposits withdrawal report, and you can have a look what's going in. Yeah. Exactly. Yeah. I'll do from this financial year for you, and then you can just cross reference your payslips and see if they're up to date or not. You might have to have a chat with accounting there. No. So that's, like, how many gets between you and your employer and Fair Work if they're not paying you your superannuation there, unfortunately. During, like, the the annual reviews and things like that before, like, we do those catch ups and things like that, we go in and have a look at your employee contributions and see if they are going in, and it is part of, like, the checks. But we we don't, like, check specific amounts against, like, income and things like that as well. Yeah. And it does make a difference. So it's generally why we check as well, like, the contributions going in. It sort of becomes a red flag when someone's fully employed, and they've only got, like, $2,000 in in contributions there as well. So and I'm just having a look here. That that last financial year one, it didn't capture all of them. So I'll just do the last twelve months for contributions there so you can see all of those to make it a little bit easier. Perfect. Yeah. I'll send that in an email just after I get off the phone here. But anything else while you've got me there, Kristin? Brilliant. Well, we'll probably touch base in a couple of weeks there anyway. Just you booked in to present that investment update. But otherwise, until then, you enjoy your working there and look after yourself. That's good. Thanks, mate. 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Thank you for calling Oakview Financial. This is Caden. Yeah. Of course.\n\nLet me just quickly jump in and have a look. I won't be two seconds. It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I navigate around properly. And search for phone number. Awesome.\n\nThank you so much, Christopher. How are you? Yeah. Very well. Thank you.\n\nNow just before I can continue for you today, I do just have to let you know that the call is recorded for quality and coaching purposes. Are you okay with that one? Lovely. And I've got a client password on file for you as well. Do you know what that one is?\n\nWell, I've got a different one. Yeah. I've got grandmother. Yep. Yeah.\n\nAwesome. Thank you for that one. Alrighty. I'm gonna pop you on a brief hold, and I'll see if Carl's still available. Alrighty.\n\nThank you. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals when we return to your call.\n\nAfternoon, Christopher. Thanks for returning my call there. Yeah. Not bad. How are you going?\n\nNo problem. But, yeah, the reason I was calling there, Christopher, was just in regards to your insurances if you remember our brief con conversation end of last year. Yep. So I know, like do you remember our conversation sort of end of last year before the Christmas bake around insurances and the increase that you're looking for? Yep.\n\nSo the the pre assessment's come back for that one. I don't know if you remember the conversation. I know you just had the the niggle with the the neck there that you're seeing a car o four. Yeah. So with that oh, sorry?\n\nYes. The the recency of that though, they're they're gonna look at probably applying a neck exclusion to a policy that is underwritten again. Now the options is, obviously, we can look at doing just a top up until such time that you've know enough time has passed where the condition sort of doesn't mean that it'll be an exclusion, but they look, yeah, that they look kind of rough on things to do with, like, neck, spine, musculoskeletal stuff that, you know, spinal exclusions are quite common, especially when you go up to see a chiro. So you'd probably have to do a couple years symptom free before they wouldn't add that exclusion just due to how close it was. So so with that, we can look at just doing a top up in conjunction with the policy you already have because you already have the 1.4 of life in TPG, which I know you're pretty sorta happy with given that you've only got the the $470,000 mortgage.\n\nIt was the IP portion because your income's at that $1.70 mark that was the main thing. Yes. So you're currently on the 170,000 per annum, or has it gone up from that? Yes. Your monthly benefit at the moment, which 70% is like the max you can sort of do at the moment without, like, booster options of your your income.\n\nNow on your current income, that's around $9.09, a little bit over, and you're currently only covered for around the 6,290 as a monthly benefit, so quite a bit below that. Now the portion different because, obviously, you don't have the NEC exclusion on the current income protection cover policy there just due to the recency of it. So we wanna retain that, and then we can just look to top up the remaining, like, 4,000 on a different policy just to bridge bridge the gap, and then you'd have that neck exclusion on that. Now if you go a couple years and you don't have any ongoing issues and no other health issues arise, we can look at just rewriting everything down to one policy again. So you don't have the two.\n\nBut in the meantime, yeah, because you're gonna end up with that exclusion most likely, then we wanna sort of make sure we keep the one that's there. But in regards to your life and TPD portion, are you happy with the 1,400,000.0? Do you wanna look at topping up that at all, or are you pretty happy with that given your level of debt? Yeah. Close enough.\n\nIt's $1.03 $9.09 $9.05. Yeah. Because that will basically like, if you include your superannuation as well, which you can normally offset, it basically covers your debt, and then you've got, like, a mill afterwards, which is, you know, probably around that seven point five ish years income replacement if anything did go wrong in terms of, like, PPE amount. But then you can also invest that money as well if something were to happen. So you paid any debt, have that invested, and be able to sort of look at drawing that down as an income there as well.\n\nYeah. Because, obviously, you know, you're not paying too much for it now, but it will obviously creep up. We can obviously look at reductions in the future as well. Just wanna see where you're at and see if you just wanna look at doing that top up. We can look at doing the 15% increase within line with the policy, but it has to be within thirty days of the annual review, like, the review of the policy, which is the seventh, like, month.\n\nSorry. So twenty eighth to the seventh, we'd be able to look at doing that, and then we could look at topping that up a small amount. Yeah. You would be paying it would be paying more. So if you feel like, yeah, if anything did go wrong, you'd be able to get by on that $6,000 a month sort of monthly benefit.\n\nBecause, obviously, with that, you're still taxed on that, and whatever amount that is comes down to what income you've earned in that year. But if you wanna work towards being a little bit more self insured, I know you don't have too much debt other than, like, the the car, a little bit of credit card here and there, and then the mortgage. So if you sort of even look at getting ahead a bit more on your mortgage and using that as a bit of a self insurance measure? Yep. Not a not a problem at all.\n\nSo if you're if you're happy retaining that, that's more than fine. Then we can just look at just doing an update in regards to your shooper investments. I know we're just reviewing those with that as well. And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment. I don't know if you got the the newsletter with the the Benelong.\n\nIt did take a bit of a backward step, which is partially the reason we're reviewing as well. And then with that, we'll just give you an update on that and provide an advice document for them. We'll just look to retain your current insurances. Not a problem at all. Do you have any questions for me in regards to anything at all while you've got me there?\n\nDo do apologize. Yeah. So insurances took a little bit, and then we also changed systems, like, at the the start of the year. So it's been moving everyone over to that and try not to lose everything in the meantime as well. So it's been a bit of a a madhouse for the the last few weeks.\n\nI do apologize for that. So you're in a high growth portfolio. So with that, it's about a ninety ten split and it's 90% growth asset It's about 10% offensive. Now within regards to that as well, you do have an active portion of that, which is that Benelon. I'll just log in quickly because it's just logged me out.\n\nAnd which is the one that got back like, went backwards. So it had an underlying investment called corporate traveler, and they got suspended on the ASX because they weren't reporting correctly and they got done for it, basically, which was like a key holding in that Benelung Fund, which like, it wasn't Australian Equities, which is like, it's Australian Equities Fund that were performing badly. It was literally solely because of that announcement with that underlying investment. Now don't get me wrong. Benelung hasn't been performing to the point where you'd want it to for an actively managed fund anyway for the past couple of years.\n\nLike, it hasn't been going backwards, obviously, but it hasn't exactly, for the cost you pay, been getting the returns you'd you'd want out of someone that's meant to be trying to outperform the market, if that makes sense. So the the options there with that as well, we can obviously look to replace that with an active managed portion to look at the same sort of thing trying to have perform the market and having a little bit of that manager risk there as well or looking at potentially just removing the active portion for a little bit there as well. Now with your account, it's for the past twelve months, it sort of with what happened in, you know, early start of the year with Trump and his tariff talks and then that Benelon thing hasn't done too much over the past, like, six months. It's it's had a bit stagnant. But since you've been on board, it's still ticking up nicely in terms of, like, your total returns over those few years.\n\nBut, yeah, we obviously wanna do a bit of an update. Yeah. Exact so we'll still do that now. Like, that's why I was calling just the insurance side of that. So we're, yeah, we're still doing that in the background as well.\n\nAnd then we'll get that together for you, and then we'll get you booked in for that as well. I can even sort of calendar's pretty full at the moment, but even, like, a couple weeks from now, even, like, Thursday, the twenty sixth maybe, get you booked in to present that. So at the at the moment, a lot of the ones with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past, you know, two years with everything that was happening. Now a lot of that as well, the active managed funds with everything that's happening in the world, they've been struggling a little bit. A lot of them, like, haven't been outperforming the market, so we could look to just do a more of an index, which is lower cost as well.\n\nIt costs you less to invest in those funds than it does to have the active managed funds. And then you just sort of follow what the the markets are doing a bit more closely. So that's like that S and P 500, which is a core of your portfolio, that's like an indexed investment where it tracks the top 500 companies in America. Now it is still fluid in the sense that if a company falls out of that top 500, it falls out of, like, the investment holding that you hold. But it's less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas.\n\nSo you wanna look at keeping a bit more of an active management like, at least some portion of active in that? Yep. No. We can look at that and just, like, looking to be solely sort of index. It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper.\n\nAnd that will be, like, a direct savings even if it performs at the same level or better. Like, if it performs better, you double win because it costs less you're performing better, which it has sort of for the past, like, at least year and a half just given the way that the markets have been traveling. And then, like, things like even the tech industries, like, over the past few months has taken a real big hit. It was over overinflated a little bit then. It's sort of taken that backwards step.\n\nBut, yeah, we can definitely look at a more indexed approach that's a bit cheaper and then hopefully get you those nice returns in conjunction with that as well. So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that. You can set them up for yourself, for children. You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of that. Because the way they work is that the company holds much like super like, you they have a trustee that owns it and you're the beneficiary of it.\n\nThat's the same as sort of those investment bonds where the company actually owns the bond, but you're the beneficiary of it. So you pay the company's tax rate, but then they also have a lot of relationships with the investments that they they hold within those funds, which lowers the effective tax rate. And then also with that as well, they do a lot of, like, the the buyers and sells that become more tax effective in their trading. So you the effective tax rate of the bond can get much lower than the 30%, and then you can use them the same as any other investment. You do regular savings plans, things like that.\n\nThey do have limits if you stop investing in it. You can't invest anymore unless you'd, like, reach the 120 or not the 120 125% rule there as well. So if you stop contributing, that resets the ten year rule. And then if you contribute over the 125, it also resets that ten year rule. But if as long as you stay in line with that, within your contributions with each financial year, it's golden.\n\nAnd then ten years from now, you get a tax free distribution. So with that one there is yeah. That's like a a more personal investment, like, outside of the superannuation environment. They do hold certain ones, like, on the platforms, but it doesn't really sort of make much sense when if you hold your super to the preservation age anyway, it becomes a tax free distribution anyway. No.\n\nThere are a bunch of other, you know, foreign exchange listed securities on there. Was there something in particular that that you were looking at investing in? Yeah. Given that it's hasn't gone to IPO yet and that how, like, new it is, it probably isn't available, like, with on, like, the Hub twenty four platform or any superannuation platform. So that's something you'd have to probably invest in outside of superannuation if that's something you're looking.\n\nYep. So with that and the index investing, that doesn't really hold, like, the, like, direct shares, and we don't, like, normally invest in direct shares as, like, a whole just because of the risky nature of them and things like that within the super. But we can invest in them if they're available, and there are specific ones that you want to be in. So with that, you'll still have, like, a tech within your profile, and we can even do a tech, like, index investment there as well and then have that as a portion of it. As far as any direct equities that you'd want in it and sort of suggest them if they are available, we can chuck them in there if they're within, like, investment grade products.\n\nThat's, like, less without our advice and just with transaction without advice, so we just do it for you and something that you want. And we can look at a more, like, index sorta tech approach there as well. As I said, it went down a little bit the end of last year and this year, but in saying that it might be the time to buy as well with the dip. And then if the once that sort of if it does come available on the fund, I'm more than happy to sorta facilitate that trade for you as well if that's something you did want. But I doubt that Cerberus one's available in it at the moment.\n\nYeah. Because it yeah. So they are quite strict on what they're allowed to be invested on in, like, your superannuation funds because, obviously, at the end of the day, it is like people's retirement funds. So even things like crypto and stuff, they're they're not available, and I doubt they'll, like, ever be in the near future available inside superannuation. So they are quite strict on what is available.\n\nBut if it does get listed on the ASX, generally, it is considered, you know, quite good investment grade quality, and then likelihood of them making it in there if they sort of keep a good track record is a lot higher than something that is just sort of, you know, not performing too great. Yeah. It's it's not like when I say, like, too, when you're in a high growth, it's not that your investments become any riskier generally. It's the fact that you just have a higher allocation to growth. So even if you went down to, like, an eighty ten split, the the level of, like, assets that you're investing in, they don't become any less risky.\n\nIt just means that you have more in the defensive portion as a waiting, so it just shifts things around a little bit there as well. It's not like it changes the whole portfolio to something completely different risk, completely different level of exposure. It's just the the weightings that change, and some of the investments obviously do change, but it's more the weightings towards growth versus those defensive assets. And you have your alternatives, which are like your your heavy metals, which get a bit of capital growth, which, you know, can be a growth asset, can be defensive depending on what the market's doing. Yeah.\n\nAnd it's the the same kind of any obviously, like, people have their different investing styles and having the active management is considered more risky, which is why that's it's not exactly the same type of risk. It's more like a management risk and how they perform within that. But they're sort of investing in the same sort of companies and things like that. They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing. Whereas that index, like, you're just investing within those growth assets, same sort of shares, property, those sort of things, and fixed interest gold.\n\nIt's just the weightings that differ. And then they're a lot more sort of, you know, technical in their approach because it's literally just the markets and how they grow and how the companies are growing that dictates what's in there. Bear with me. I'll just bring it up. It's just loading up there now.\n\nSo the last one I have in there was the twenty fourth at twelve from Checkpoint Constructions, p t l y d. And it seems like they they looks like they did a bit of a a back payment, so you might have been owed a little bit of super because there's, like, a 400 and then a $1,500 payment. So it looks like they've dumped all the the owing amounts in there at that time. Yeah. I wouldn't exactly be able to know exact because the the last one before is the eleventh of the eighth for, MODIS projects.\n\nAnd then, yeah, you've got that too. Yeah. There is one from Belmont as well at the twenty eighth to the seventh for $470. So that was just the last time. Do you want me to do up?\n\nI can do this financial year's deposits withdrawal report, and you can have a look what's going in. Yeah. Exactly. Yeah. I'll do from this financial year for you, and then you can just cross reference your payslips and see if they're up to date or not.\n\nYou might have to have a chat with accounting there. No. So that's, like, how many gets between you and your employer and Fair Work if they're not paying you your superannuation there, unfortunately. During, like, the the annual reviews and things like that before, like, we do those catch ups and things like that, we go in and have a look at your employee contributions and see if they are going in, and it is part of, like, the checks. But we we don't, like, check specific amounts against, like, income and things like that as well.\n\nYeah. And it does make a difference. So it's generally why we check as well, like, the contributions going in. It sort of becomes a red flag when someone's fully employed, and they've only got, like, $2,000 in in contributions there as well. So and I'm just having a look here.\n\nThat that last financial year one, it didn't capture all of them. So I'll just do the last twelve months for contributions there so you can see all of those to make it a little bit easier. Perfect. Yeah. I'll send that in an email just after I get off the phone here.\n\nBut anything else while you've got me there, Kristin? Brilliant. Well, we'll probably touch base in a couple of weeks there anyway. Just you booked in to present that investment update. But otherwise, until then, you enjoy your working there and look after yourself.\n\nThat's good. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Afternoon.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.050539400428533554},{"text":"Thank you for calling Oakview Financial.","start":2.48,"end":3.9199998,"sentiment":"positive","sentiment_score":0.3898991296688716},{"text":"This is Caden.","start":3.9199998,"end":4.74,"sentiment":"positive","sentiment_score":0.3437010943889618},{"text":"Yeah.","start":9.92,"end":10.24,"sentiment":"neutral","sentiment_score":0.02622140198945999},{"text":"Of course.","start":10.24,"end":10.8,"sentiment":"neutral","sentiment_score":0.01243286533281207}],"sentiment":"neutral","sentiment_score":0.2670865072510563,"num_words":13,"start":1.92,"end":10.8},{"sentences":[{"text":"Let me just quickly jump in and have a look.","start":10.8,"end":13.219999,"sentiment":"neutral","sentiment_score":0.0133987738750875},{"text":"I won't be two seconds.","start":16.145,"end":17.345,"sentiment":"neutral","sentiment_score":-0.05486072301864624},{"text":"It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I navigate around properly.","start":17.345,"end":24.165,"sentiment":"neutral","sentiment_score":-0.06325840443372727},{"text":"And search for phone number.","start":25.744999,"end":27.765,"sentiment":"neutral","sentiment_score":0.025734260305762292},{"text":"Awesome.","start":28.449999,"end":28.769999,"sentiment":"positive","sentiment_score":0.40204694867134094}],"sentiment":"neutral","sentiment_score":-0.02589255949968229,"num_words":46,"start":10.8,"end":28.769999},{"sentences":[{"text":"Thank you so much, Christopher.","start":28.769999,"end":30.23,"sentiment":"positive","sentiment_score":0.5575878024101257},{"text":"How are you?","start":30.369999,"end":31.189999,"sentiment":"positive","sentiment_score":0.3509671191374461},{"text":"Yeah.","start":34.129997,"end":34.53,"sentiment":"neutral","sentiment_score":0.1914946734905243},{"text":"Very well.","start":34.53,"end":35.17,"sentiment":"neutral","sentiment_score":0.3172461539506912},{"text":"Thank you.","start":35.17,"end":35.91,"sentiment":"positive","sentiment_score":0.3815379738807678}],"sentiment":"positive","sentiment_score":0.41768486912433916,"num_words":13,"start":28.769999,"end":35.91},{"sentences":[{"text":"Now just before I can continue for you today, I do just have to let you know that the call is recorded for quality and coaching purposes.","start":36.37,"end":41.73,"sentiment":"neutral","sentiment_score":0.03833760928224634},{"text":"Are you okay with that one?","start":41.73,"end":42.975,"sentiment":"neutral","sentiment_score":0.05225305880109469},{"text":"Lovely.","start":44.894997,"end":45.394997,"sentiment":"neutral","sentiment_score":0.32185128331184387},{"text":"And I've got a client password on file for you as well.","start":45.614998,"end":47.535,"sentiment":"neutral","sentiment_score":0.1180400134374698},{"text":"Do you know what that one is?","start":47.535,"end":48.754997,"sentiment":"neutral","sentiment_score":0.024855898959296092}],"sentiment":"neutral","sentiment_score":0.0615274819000712,"num_words":53,"start":36.37,"end":48.754997},{"sentences":[{"text":"Well, I've got a different one.","start":53.614998,"end":54.99,"sentiment":"neutral","sentiment_score":-0.03615254598359267},{"text":"Yeah.","start":60.350002,"end":60.75,"sentiment":"neutral","sentiment_score":-0.006858861073851585},{"text":"I've got grandmother.","start":60.75,"end":61.57,"sentiment":"neutral","sentiment_score":-0.004676375848551591},{"text":"Yep.","start":61.63,"end":62.13,"sentiment":"neutral","sentiment_score":0.02476860210299492},{"text":"Yeah.","start":63.870003,"end":64.19,"sentiment":"neutral","sentiment_score":0.07977917790412903}],"sentiment":"neutral","sentiment_score":-0.011104623709494868,"num_words":12,"start":53.614998,"end":64.19},{"sentences":[{"text":"Awesome.","start":64.19,"end":64.590004,"sentiment":"neutral","sentiment_score":0.2588554620742798},{"text":"Thank you for that one.","start":64.590004,"end":65.39,"sentiment":"neutral","sentiment_score":0.3330485463142395},{"text":"Alrighty.","start":65.39,"end":65.71,"sentiment":"neutral","sentiment_score":0.07554888725280762},{"text":"I'm gonna pop you on a brief hold, and I'll see if Carl's still available.","start":65.71,"end":68.37,"sentiment":"neutral","sentiment_score":0.04785323850810528},{"text":"Alrighty.","start":69.47,"end":69.950005,"sentiment":"neutral","sentiment_score":0.12741725146770477}],"sentiment":"neutral","sentiment_score":0.12368969173858994,"num_words":23,"start":64.19,"end":69.950005},{"sentences":[{"text":"Thank you.","start":69.950005,"end":70.69,"sentiment":"neutral","sentiment_score":0.20728495717048645},{"text":"Welcome to Oakview Financial.","start":76.845,"end":78.785,"sentiment":"neutral","sentiment_score":0.19686903804540634},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":79.325,"end":88.36,"sentiment":"neutral","sentiment_score":0.2719482203776186},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":88.74,"end":99.56,"sentiment":"neutral","sentiment_score":0.32671673882466096},{"text":"We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals when we return to your call.","start":100.355,"end":108.455,"sentiment":"positive","sentiment_score":0.4621059154310534}],"sentiment":"positive","sentiment_score":0.35299794708981236,"num_words":85,"start":69.950005,"end":108.455},{"sentences":[{"text":"Afternoon, Christopher.","start":109.235,"end":110.195,"sentiment":"neutral","sentiment_score":0.10867846757173538},{"text":"Thanks for returning my call there.","start":110.195,"end":111.815,"sentiment":"neutral","sentiment_score":0.2875671113530795},{"text":"Yeah.","start":113.950005,"end":114.19,"sentiment":"neutral","sentiment_score":0.08795388042926788},{"text":"Not bad.","start":114.19,"end":114.590004,"sentiment":"neutral","sentiment_score":0.14426172524690628},{"text":"How are you going?","start":114.590004,"end":115.49,"sentiment":"neutral","sentiment_score":0.13667606189846992}],"sentiment":"neutral","sentiment_score":0.1910627454519272,"num_words":15,"start":109.235,"end":115.49},{"sentences":[{"text":"No problem.","start":120.75,"end":121.49,"sentiment":"neutral","sentiment_score":0.04248918034136295},{"text":"But, yeah, the reason I was calling there, Christopher, was just in regards to your insurances if you remember our brief con conversation end of last year.","start":122.270004,"end":130.255,"sentiment":"neutral","sentiment_score":-0.02107090530572114},{"text":"Yep.","start":138.475,"end":138.87,"sentiment":"neutral","sentiment_score":0.05397382378578186},{"text":"So I know, like do you remember our conversation sort of end of last year before the Christmas bake around insurances and the increase that you're looking for?","start":138.95,"end":146.17,"sentiment":"neutral","sentiment_score":0.008784686880452293},{"text":"Yep.","start":148.15,"end":148.65,"sentiment":"neutral","sentiment_score":0.13596753776073456}],"sentiment":"neutral","sentiment_score":-0.000813957430043463,"num_words":59,"start":120.75,"end":148.65},{"sentences":[{"text":"So the the pre assessment's come back for that one.","start":148.70999,"end":151.895,"sentiment":"neutral","sentiment_score":0.04459765311330557},{"text":"I don't know if you remember the conversation.","start":151.895,"end":153.515,"sentiment":"neutral","sentiment_score":-0.0496088289655745},{"text":"I know you just had the the niggle with the the neck there that you're seeing a car o four.","start":153.655,"end":159.275,"sentiment":"neutral","sentiment_score":-0.09265346731990576},{"text":"Yeah.","start":161.095,"end":161.415,"sentiment":"neutral","sentiment_score":-0.035186443477869034},{"text":"So with that oh, sorry?","start":161.415,"end":163.435,"sentiment":"neutral","sentiment_score":-0.059018465131521224}],"sentiment":"neutral","sentiment_score":-0.04850550491193479,"num_words":44,"start":148.70999,"end":163.435},{"sentences":[{"text":"Yes.","start":169.34999,"end":169.75,"sentiment":"neutral","sentiment_score":0.005498047918081284},{"text":"The the recency of that though, they're they're gonna look at probably applying a neck exclusion to a policy that is underwritten again.","start":169.75,"end":178.845,"sentiment":"neutral","sentiment_score":-0.06891241669654846},{"text":"Now the options is, obviously, we can look at doing just a top up until such time that you've know enough time has passed where the condition sort of doesn't mean that it'll be an exclusion, but they look, yeah, that they look kind of rough on things to do with, like, neck, spine, musculoskeletal stuff that, you know, spinal exclusions are quite common, especially when you go up to see a chiro.","start":178.845,"end":201.98,"sentiment":"neutral","sentiment_score":-0.05216025244699766},{"text":"So you'd probably have to do a couple years symptom free before they wouldn't add that exclusion just due to how close it was.","start":201.98,"end":208.885,"sentiment":"neutral","sentiment_score":-0.1792095871642232},{"text":"So so with that, we can look at just doing a top up in conjunction with the policy you already have because you already have the 1.4 of life in TPG, which I know you're pretty sorta happy with given that you've only got the the $470,000 mortgage.","start":210.78499,"end":224.64,"sentiment":"neutral","sentiment_score":0.3134329750513037}],"sentiment":"neutral","sentiment_score":0.03169566121767964,"num_words":169,"start":169.34999,"end":224.64},{"sentences":[{"text":"It was the IP portion because your income's at that $1.70 mark that was the main thing.","start":224.64,"end":228.74,"sentiment":"neutral","sentiment_score":0.18292692303657532},{"text":"Yes.","start":237.05501,"end":237.295,"sentiment":"neutral","sentiment_score":0.1090141385793686},{"text":"So you're currently on the 170,000 per annum, or has it gone up from that?","start":237.295,"end":241.315,"sentiment":"neutral","sentiment_score":0.056588105857372284},{"text":"Yes.","start":249.31,"end":249.63,"sentiment":"neutral","sentiment_score":0.2109428346157074},{"text":"Your monthly benefit at the moment, which 70% is like the max you can sort of do at the moment without, like, booster options of your your income.","start":249.63,"end":257.01,"sentiment":"neutral","sentiment_score":0.18608765197651728}],"sentiment":"neutral","sentiment_score":0.15304823400032136,"num_words":62,"start":224.64,"end":257.01},{"sentences":[{"text":"Now on your current income, that's around $9.09, a little bit over, and you're currently only covered for around the 6,290 as a monthly benefit, so quite a bit below that.","start":257.405,"end":267.985,"sentiment":"neutral","sentiment_score":0.05740656090840217},{"text":"Now the portion different because, obviously, you don't have the NEC exclusion on the current income protection cover policy there just due to the recency of it.","start":268.205,"end":277.34998,"sentiment":"neutral","sentiment_score":-0.02948307646093545},{"text":"So we wanna retain that, and then we can just look to top up the remaining, like, 4,000 on a different policy just to bridge bridge the gap, and then you'd have that neck exclusion on that.","start":277.34998,"end":288.015,"sentiment":"neutral","sentiment_score":0.10660998070159473},{"text":"Now if you go a couple years and you don't have any ongoing issues and no other health issues arise, we can look at just rewriting everything down to one policy again.","start":288.015,"end":295.71503,"sentiment":"neutral","sentiment_score":-0.026998370633009472},{"text":"So you don't have the two.","start":296.49503,"end":297.855,"sentiment":"neutral","sentiment_score":-0.010002724205454191}],"sentiment":"neutral","sentiment_score":0.030106506798384867,"num_words":133,"start":257.405,"end":297.855},{"sentences":[{"text":"But in the meantime, yeah, because you're gonna end up with that exclusion most likely, then we wanna sort of make sure we keep the one that's there.","start":297.855,"end":305.57,"sentiment":"neutral","sentiment_score":-0.02901229922593172},{"text":"But in regards to your life and TPD portion, are you happy with the 1,400,000.0?","start":305.57,"end":309.81,"sentiment":"neutral","sentiment_score":0.16478031128644943},{"text":"Do you wanna look at topping up that at all, or are you pretty happy with that given your level of debt?","start":309.81,"end":314.145,"sentiment":"neutral","sentiment_score":0.12568194859407164},{"text":"Yeah.","start":325.345,"end":325.66498,"sentiment":"neutral","sentiment_score":0.04377727210521698},{"text":"Close enough.","start":325.66498,"end":326.305,"sentiment":"neutral","sentiment_score":0.0562153086066246}],"sentiment":"neutral","sentiment_score":0.06736133896115729,"num_words":68,"start":297.855,"end":326.305},{"sentences":[{"text":"It's $1.03 $9.09 $9.05.","start":326.305,"end":328.82,"sentiment":"neutral","sentiment_score":0.07198803126811981},{"text":"Yeah.","start":336.88,"end":337.12,"sentiment":"neutral","sentiment_score":0.24614322185516355},{"text":"Because that will basically like, if you include your superannuation as well, which you can normally offset, it basically covers your debt, and then you've got, like, a mill afterwards, which is, you know, probably around that seven point five ish years income replacement if anything did go wrong in terms of, like, PPE amount.","start":337.12,"end":352.655,"sentiment":"neutral","sentiment_score":0.2042979275638407},{"text":"But then you can also invest that money as well if something were to happen.","start":352.655,"end":356.42,"sentiment":"neutral","sentiment_score":0.21084458827972413},{"text":"So you paid any debt, have that invested, and be able to sort of look at drawing that down as an income there as well.","start":356.42,"end":362.28,"sentiment":"neutral","sentiment_score":0.21073591887950896}],"sentiment":"neutral","sentiment_score":0.20201548159122468,"num_words":100,"start":326.305,"end":362.28},{"sentences":[{"text":"Yeah.","start":365.62003,"end":366.02002,"sentiment":"neutral","sentiment_score":-0.0995800793170929},{"text":"Because, obviously, you know, you're not paying too much for it now, but it will obviously creep up.","start":366.02002,"end":369.475,"sentiment":"negative","sentiment_score":-0.4026022611392869},{"text":"We can obviously look at reductions in the future as well.","start":369.475,"end":372.135,"sentiment":"neutral","sentiment_score":0.027435439892790535},{"text":"Just wanna see where you're at and see if you just wanna look at doing that top up.","start":372.435,"end":375.555,"sentiment":"neutral","sentiment_score":0.1020902627044254},{"text":"We can look at doing the 15% increase within line with the policy, but it has to be within thirty days of the annual review, like, the review of the policy, which is the seventh, like, month.","start":375.555,"end":387.9,"sentiment":"neutral","sentiment_score":0.04619203835121683}],"sentiment":"neutral","sentiment_score":-0.04115177403916331,"num_words":85,"start":365.62003,"end":387.9},{"sentences":[{"text":"Sorry.","start":387.9,"end":388.22,"sentiment":"neutral","sentiment_score":-0.026218540966510773},{"text":"So twenty eighth to the seventh, we'd be able to look at doing that, and then we could look at topping that up a small amount.","start":388.22,"end":393.68,"sentiment":"neutral","sentiment_score":0.03399786671910148},{"text":"Yeah.","start":409.11502,"end":409.435,"sentiment":"neutral","sentiment_score":0.2151419967412949},{"text":"You would be paying it would be paying more.","start":409.435,"end":412.49,"sentiment":"neutral","sentiment_score":0.2394297950797611},{"text":"So if you feel like, yeah, if anything did go wrong, you'd be able to get by on that $6,000 a month sort of monthly benefit.","start":412.49,"end":418.25,"sentiment":"neutral","sentiment_score":0.25787247946629155}],"sentiment":"neutral","sentiment_score":0.15765747003671196,"num_words":63,"start":387.9,"end":418.25},{"sentences":[{"text":"Because, obviously, with that, you're still taxed on that, and whatever amount that is comes down to what income you've earned in that year.","start":418.25,"end":424.83,"sentiment":"neutral","sentiment_score":0.14099977475901446},{"text":"But if you wanna work towards being a little bit more self insured, I know you don't have too much debt other than, like, the the car, a little bit of credit card here and there, and then the mortgage.","start":425.70502,"end":434.905,"sentiment":"neutral","sentiment_score":0.09478481449186801},{"text":"So if you sort of even look at getting ahead a bit more on your mortgage and using that as a bit of a self insurance measure?","start":434.905,"end":449.79,"sentiment":"neutral","sentiment_score":0.1411407689253489},{"text":"Yep.","start":463.945,"end":464.445,"sentiment":"neutral","sentiment_score":0.27078986167907715},{"text":"Not a not a problem at all.","start":464.505,"end":465.705,"sentiment":"positive","sentiment_score":0.44190456186022076}],"sentiment":"neutral","sentiment_score":0.14495262353107183,"num_words":99,"start":418.25,"end":465.705},{"sentences":[{"text":"So if you're if you're happy retaining that, that's more than fine.","start":465.705,"end":468.685,"sentiment":"positive","sentiment_score":0.45774395763874054},{"text":"Then we can just look at just doing an update in regards to your shooper investments.","start":469.73,"end":474.05,"sentiment":"neutral","sentiment_score":0.15670271357521415},{"text":"I know we're just reviewing those with that as well.","start":474.05,"end":478.15,"sentiment":"neutral","sentiment_score":0.09838562812656164},{"text":"And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment.","start":478.61002,"end":483.49503,"sentiment":"neutral","sentiment_score":0.05289381054108557},{"text":"I don't know if you got the the newsletter with the the Benelong.","start":483.49503,"end":486.05502,"sentiment":"neutral","sentiment_score":0.00012639472977473185}],"sentiment":"neutral","sentiment_score":0.13786794546035094,"num_words":74,"start":465.705,"end":486.05502},{"sentences":[{"text":"It did take a bit of a backward step, which is partially the reason we're reviewing as well.","start":486.05502,"end":490.55502,"sentiment":"neutral","sentiment_score":-0.01196187838084168},{"text":"And then with that, we'll just give you an update on that and provide an advice document for them.","start":491.33502,"end":497.24997,"sentiment":"neutral","sentiment_score":0.05748362329445387},{"text":"We'll just look to retain your current insurances.","start":497.24997,"end":499.49,"sentiment":"neutral","sentiment_score":0.06937236525118351},{"text":"Not a problem at all.","start":499.49,"end":500.21,"sentiment":"neutral","sentiment_score":0.20624339878559111},{"text":"Do you have any questions for me in regards to anything at all while you've got me there?","start":500.21,"end":503.59,"sentiment":"neutral","sentiment_score":0.0651914148281018}],"sentiment":"neutral","sentiment_score":0.053478182567393076,"num_words":68,"start":486.05502,"end":503.59},{"sentences":[{"text":"Do do apologize.","start":512.465,"end":513.525,"sentiment":"neutral","sentiment_score":-0.10035979002714157},{"text":"Yeah.","start":513.665,"end":513.905,"sentiment":"neutral","sentiment_score":-0.036148801445961},{"text":"So insurances took a little bit, and then we also changed systems, like, at the the start of the year.","start":513.905,"end":519.905,"sentiment":"neutral","sentiment_score":-0.04588391799479723},{"text":"So it's been moving everyone over to that and try not to lose everything in the meantime as well.","start":519.905,"end":524.01,"sentiment":"neutral","sentiment_score":-0.06656158823323877},{"text":"So it's been a bit of a a madhouse for the the last few weeks.","start":524.01,"end":526.97003,"sentiment":"neutral","sentiment_score":-0.16197799891233444}],"sentiment":"neutral","sentiment_score":-0.08533183950930834,"num_words":58,"start":512.465,"end":526.97003},{"sentences":[{"text":"I do apologize for that.","start":526.97003,"end":528.27,"sentiment":"neutral","sentiment_score":-0.05831484869122505},{"text":"So you're in a high growth portfolio.","start":550.6,"end":552.77997,"sentiment":"neutral","sentiment_score":-0.008225716118301665},{"text":"So with that, it's about a ninety ten split and it's 90% growth asset It's about 10% offensive.","start":552.92,"end":558.54504,"sentiment":"neutral","sentiment_score":0.0516648975511392},{"text":"Now within regards to that as well, you do have an active portion of that, which is that Benelon.","start":558.685,"end":564.28503,"sentiment":"neutral","sentiment_score":0.01722191980010585},{"text":"I'll just log in quickly because it's just logged me out.","start":564.28503,"end":567.025,"sentiment":"neutral","sentiment_score":-0.03729199258271943}],"sentiment":"neutral","sentiment_score":0.008296974290472766,"num_words":60,"start":526.97003,"end":567.025},{"sentences":[{"text":"And which is the one that got back like, went backwards.","start":567.405,"end":569.825,"sentiment":"neutral","sentiment_score":-0.06188126230104403},{"text":"So it had an underlying investment called corporate traveler, and they got suspended on the ASX because they weren't reporting correctly and they got done for it, basically, which was like a key holding in that Benelung Fund, which like, it wasn't Australian Equities, which is like, it's Australian Equities Fund that were performing badly.","start":569.885,"end":587.075,"sentiment":"neutral","sentiment_score":-0.13765789846127682},{"text":"It was literally solely because of that announcement with that underlying investment.","start":587.075,"end":591.575,"sentiment":"neutral","sentiment_score":-0.15827451770504317},{"text":"Now don't get me wrong.","start":592.035,"end":594.195,"sentiment":"neutral","sentiment_score":0.011229303479194642},{"text":"Benelung hasn't been performing to the point where you'd want it to for an actively managed fund anyway for the past couple of years.","start":594.195,"end":600.93,"sentiment":"neutral","sentiment_score":-0.10897901452456911}],"sentiment":"neutral","sentiment_score":-0.11878992845173751,"num_words":107,"start":567.405,"end":600.93},{"sentences":[{"text":"Like, it hasn't been going backwards, obviously, but it hasn't exactly, for the cost you pay, been getting the returns you'd you'd want out of someone that's meant to be trying to outperform the market, if that makes sense.","start":600.93,"end":610.55,"sentiment":"neutral","sentiment_score":-0.022363758084770195},{"text":"So the the options there with that as well, we can obviously look to replace that with an active managed portion to look at the same sort of thing trying to have perform the market and having a little bit of that manager risk there as well or looking at potentially just removing the active portion for a little bit there as well.","start":612.77,"end":628.255,"sentiment":"neutral","sentiment_score":0.07126245624016202},{"text":"Now with your account, it's for the past twelve months, it sort of with what happened in, you know, early start of the year with Trump and his tariff talks and then that Benelon thing hasn't done too much over the past, like, six months.","start":629.03503,"end":640.25,"sentiment":"neutral","sentiment_score":-0.03540693779165546},{"text":"It's it's had a bit stagnant.","start":640.25,"end":641.61,"sentiment":"neutral","sentiment_score":-0.1708868145942688},{"text":"But since you've been on board, it's still ticking up nicely in terms of, like, your total returns over those few years.","start":641.61,"end":648.16504,"sentiment":"neutral","sentiment_score":0.23532580177892337}],"sentiment":"neutral","sentiment_score":0.03529075845011643,"num_words":175,"start":600.93,"end":648.16504},{"sentences":[{"text":"But, yeah, we obviously wanna do a bit of an update.","start":649.025,"end":651.205,"sentiment":"neutral","sentiment_score":0.05474047295071862},{"text":"Yeah.","start":662.56,"end":662.95996,"sentiment":"neutral","sentiment_score":0.05799509584903717},{"text":"Exact so we'll still do that now.","start":662.95996,"end":664.48,"sentiment":"neutral","sentiment_score":0.06848497316241264},{"text":"Like, that's why I was calling just the insurance side of that.","start":664.48,"end":666.56,"sentiment":"neutral","sentiment_score":0.022639110684394836},{"text":"So we're, yeah, we're still doing that in the background as well.","start":666.56,"end":670.355,"sentiment":"neutral","sentiment_score":0.2702860780991614}],"sentiment":"neutral","sentiment_score":0.10824738083363966,"num_words":43,"start":649.025,"end":670.355},{"sentences":[{"text":"And then we'll get that together for you, and then we'll get you booked in for that as well.","start":670.575,"end":674.015,"sentiment":"positive","sentiment_score":0.38444435753320394},{"text":"I can even sort of calendar's pretty full at the moment, but even, like, a couple weeks from now, even, like, Thursday, the twenty sixth maybe, get you booked in to present that.","start":674.015,"end":681.96,"sentiment":"neutral","sentiment_score":0.22191855943564212},{"text":"So at the at the moment, a lot of the ones with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past, you know, two years with everything that was happening.","start":695.39496,"end":712.56,"sentiment":"neutral","sentiment_score":0.0524365729962786},{"text":"Now a lot of that as well, the active managed funds with everything that's happening in the world, they've been struggling a little bit.","start":712.86,"end":719.58,"sentiment":"neutral","sentiment_score":-0.1610695825268825},{"text":"A lot of them, like, haven't been outperforming the market, so we could look to just do a more of an index, which is lower cost as well.","start":719.58,"end":726.305,"sentiment":"neutral","sentiment_score":-0.07829392967479569}],"sentiment":"neutral","sentiment_score":0.07335235589127613,"num_words":149,"start":670.575,"end":726.305},{"sentences":[{"text":"It costs you less to invest in those funds than it does to have the active managed funds.","start":726.305,"end":730.805,"sentiment":"neutral","sentiment_score":0.10180546860727999},{"text":"And then you just sort of follow what the the markets are doing a bit more closely.","start":730.945,"end":734.305,"sentiment":"neutral","sentiment_score":0.057938670191694706},{"text":"So that's like that S and P 500, which is a core of your portfolio, that's like an indexed investment where it tracks the top 500 companies in America.","start":734.305,"end":741.97,"sentiment":"neutral","sentiment_score":0.09267146191720305},{"text":"Now it is still fluid in the sense that if a company falls out of that top 500, it falls out of, like, the investment holding that you hold.","start":742.02997,"end":748.05,"sentiment":"neutral","sentiment_score":-0.05368413288017799},{"text":"But it's less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas.","start":748.19,"end":757.325,"sentiment":"neutral","sentiment_score":-0.02981980360345915}],"sentiment":"neutral","sentiment_score":0.02395083723962307,"num_words":125,"start":726.305,"end":757.325},{"sentences":[{"text":"So you wanna look at keeping a bit more of an active management like, at least some portion of active in that?","start":771.56,"end":777.1,"sentiment":"neutral","sentiment_score":0.10611439606344159},{"text":"Yep.","start":785.33496,"end":785.65497,"sentiment":"neutral","sentiment_score":-0.11363485455513},{"text":"No.","start":785.65497,"end":786.15497,"sentiment":"neutral","sentiment_score":-0.20531857013702393},{"text":"We can look at that and just, like, looking to be solely sort of index.","start":786.535,"end":789.735,"sentiment":"neutral","sentiment_score":-0.12395925223827362},{"text":"It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper.","start":789.735,"end":796.72003,"sentiment":"neutral","sentiment_score":-0.012792567963953371}],"sentiment":"neutral","sentiment_score":-0.0028670428772315836,"num_words":66,"start":771.56,"end":796.72003},{"sentences":[{"text":"And that will be, like, a direct savings even if it performs at the same level or better.","start":798.38,"end":803.18,"sentiment":"neutral","sentiment_score":0.17296178514758745},{"text":"Like, if it performs better, you double win because it costs less you're performing better, which it has sort of for the past, like, at least year and a half just given the way that the markets have been traveling.","start":803.18,"end":813.045,"sentiment":"positive","sentiment_score":0.4434354845434427},{"text":"And then, like, things like even the tech industries, like, over the past few months has taken a real big hit.","start":814.705,"end":819.185,"sentiment":"neutral","sentiment_score":-0.283459768231426},{"text":"It was over overinflated a little bit then.","start":819.185,"end":822.2,"sentiment":"negative","sentiment_score":-0.5314311683177948},{"text":"It's sort of taken that backwards step.","start":822.2,"end":824.14,"sentiment":"negative","sentiment_score":-0.3948157642568861}],"sentiment":"neutral","sentiment_score":0.0838608157999338,"num_words":94,"start":798.38,"end":824.14},{"sentences":[{"text":"But, yeah, we can definitely look at a more indexed approach that's a bit cheaper and then hopefully get you those nice returns in conjunction with that as well.","start":824.60004,"end":831.66003,"sentiment":"positive","sentiment_score":0.43371792034856205},{"text":"So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that.","start":843.175,"end":850.07996,"sentiment":"neutral","sentiment_score":0.1095563826772074},{"text":"You can set them up for yourself, for children.","start":850.3,"end":852.06,"sentiment":"neutral","sentiment_score":0.25778871609105003},{"text":"You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of that.","start":852.06,"end":857.83997,"sentiment":"neutral","sentiment_score":0.11300823107361793},{"text":"Because the way they work is that the company holds much like super like, you they have a trustee that owns it and you're the beneficiary of it.","start":857.98,"end":866.705,"sentiment":"neutral","sentiment_score":0.11926744505763054}],"sentiment":"neutral","sentiment_score":0.20601709180552027,"num_words":115,"start":824.60004,"end":866.705},{"sentences":[{"text":"That's the same as sort of those investment bonds where the company actually owns the bond, but you're the beneficiary of it.","start":866.705,"end":873.27,"sentiment":"neutral","sentiment_score":0.11226484789089723},{"text":"So you pay the company's tax rate, but then they also have a lot of relationships with the investments that they they hold within those funds, which lowers the effective tax rate.","start":873.43,"end":884.31,"sentiment":"neutral","sentiment_score":0.188456401694566},{"text":"And then also with that as well, they do a lot of, like, the the buyers and sells that become more tax effective in their trading.","start":884.31,"end":890.735,"sentiment":"neutral","sentiment_score":0.2782904425492653},{"text":"So you the effective tax rate of the bond can get much lower than the 30%, and then you can use them the same as any other investment.","start":890.735,"end":897.77496,"sentiment":"positive","sentiment_score":0.34610828437975477},{"text":"You do regular savings plans, things like that.","start":897.77496,"end":899.88,"sentiment":"neutral","sentiment_score":0.1780411470681429}],"sentiment":"neutral","sentiment_score":0.23147710476969852,"num_words":116,"start":866.705,"end":899.88},{"sentences":[{"text":"They do have limits if you stop investing in it.","start":900.04,"end":903.4,"sentiment":"neutral","sentiment_score":-0.07028069794178009},{"text":"You can't invest anymore unless you'd, like, reach the 120 or not the 120 125% rule there as well.","start":903.4,"end":912.06,"sentiment":"neutral","sentiment_score":-0.04886415796844583},{"text":"So if you stop contributing, that resets the ten year rule.","start":912.28,"end":915.46497,"sentiment":"neutral","sentiment_score":-0.02489992061799223},{"text":"And then if you contribute over the 125, it also resets that ten year rule.","start":915.46497,"end":920.025,"sentiment":"neutral","sentiment_score":0.2691983540852865},{"text":"But if as long as you stay in line with that, within your contributions with each financial year, it's golden.","start":920.025,"end":925.385,"sentiment":"positive","sentiment_score":0.47208405286073685}],"sentiment":"neutral","sentiment_score":0.1543270834783713,"num_words":75,"start":900.04,"end":925.385},{"sentences":[{"text":"And then ten years from now, you get a tax free distribution.","start":925.385,"end":937.47003,"sentiment":"neutral","sentiment_score":0.3075138044854005},{"text":"So with that one there is yeah.","start":938.17,"end":939.77,"sentiment":"neutral","sentiment_score":0.26466989730085644},{"text":"That's like a a more personal investment, like, outside of the superannuation environment.","start":939.77,"end":943.945,"sentiment":"neutral","sentiment_score":0.2755817770957947},{"text":"They do hold certain ones, like, on the platforms, but it doesn't really sort of make much sense when if you hold your super to the preservation age anyway, it becomes a tax free distribution anyway.","start":944.805,"end":954.48,"sentiment":"neutral","sentiment_score":0.12961529040088257},{"text":"No.","start":964.63995,"end":964.88,"sentiment":"neutral","sentiment_score":-0.0491061806678772}],"sentiment":"neutral","sentiment_score":0.1991661204484062,"num_words":69,"start":925.385,"end":964.88},{"sentences":[{"text":"There are a bunch of other, you know, foreign exchange listed securities on there.","start":964.88,"end":969.885,"sentiment":"neutral","sentiment_score":0.004722050657229764},{"text":"Was there something in particular that that you were looking at investing in?","start":969.885,"end":973.345,"sentiment":"neutral","sentiment_score":0.021409570884246092},{"text":"Yeah.","start":1007.615,"end":1008.015,"sentiment":"neutral","sentiment_score":0.019551891833543777},{"text":"Given that it's hasn't gone to IPO yet and that how, like, new it is, it probably isn't available, like, with on, like, the Hub twenty four platform or any superannuation platform.","start":1008.015,"end":1019.54,"sentiment":"neutral","sentiment_score":-0.13033804891165346},{"text":"So that's something you'd have to probably invest in outside of superannuation if that's something you're looking.","start":1020.48,"end":1025.375,"sentiment":"neutral","sentiment_score":-0.07743307115400538}],"sentiment":"neutral","sentiment_score":-0.06653499678261095,"num_words":77,"start":964.88,"end":1025.375},{"sentences":[{"text":"Yep.","start":1043.8501,"end":1044.17,"sentiment":"neutral","sentiment_score":-0.02801260352134705},{"text":"So with that and the index investing, that doesn't really hold, like, the, like, direct shares, and we don't, like, normally invest in direct shares as, like, a whole just because of the risky nature of them and things like that within the super.","start":1044.17,"end":1056.0951,"sentiment":"neutral","sentiment_score":-0.05848884492562237},{"text":"But we can invest in them if they're available, and there are specific ones that you want to be in.","start":1056.155,"end":1061.24,"sentiment":"neutral","sentiment_score":0.2871140018105507},{"text":"So with that, you'll still have, like, a tech within your profile, and we can even do a tech, like, index investment there as well and then have that as a portion of it.","start":1061.24,"end":1071.56,"sentiment":"neutral","sentiment_score":0.26011495007311597},{"text":"As far as any direct equities that you'd want in it and sort of suggest them if they are available, we can chuck them in there if they're within, like, investment grade products.","start":1071.56,"end":1080.0751,"sentiment":"neutral","sentiment_score":0.15081248138890122}],"sentiment":"neutral","sentiment_score":0.12849604882031793,"num_words":132,"start":1043.8501,"end":1080.0751},{"sentences":[{"text":"That's, like, less without our advice and just with transaction without advice, so we just do it for you and something that you want.","start":1080.855,"end":1087.355,"sentiment":"positive","sentiment_score":0.3370038749029239},{"text":"And we can look at a more, like, index sorta tech approach there as well.","start":1088.6,"end":1093.64,"sentiment":"neutral","sentiment_score":0.24726175665855407},{"text":"As I said, it went down a little bit the end of last year and this year, but in saying that it might be the time to buy as well with the dip.","start":1093.64,"end":1100.86,"sentiment":"neutral","sentiment_score":0.16634407797546097},{"text":"And then if the once that sort of if it does come available on the fund, I'm more than happy to sorta facilitate that trade for you as well if that's something you did want.","start":1104.4349,"end":1112.2949,"sentiment":"positive","sentiment_score":0.36537601330450603},{"text":"But I doubt that Cerberus one's available in it at the moment.","start":1112.4349,"end":1115.495,"sentiment":"neutral","sentiment_score":-0.33321208010117215}],"sentiment":"neutral","sentiment_score":0.21912596155615413,"num_words":119,"start":1080.855,"end":1115.495},{"sentences":[{"text":"Yeah.","start":1121.94,"end":1122.26,"sentiment":"neutral","sentiment_score":0.051203928887844086},{"text":"Because it yeah.","start":1122.26,"end":1125.7,"sentiment":"neutral","sentiment_score":-0.011258178701003393},{"text":"So they are quite strict on what they're allowed to be invested on in, like, your superannuation funds because, obviously, at the end of the day, it is like people's retirement funds.","start":1125.7,"end":1133.4,"sentiment":"neutral","sentiment_score":-0.163405284518376},{"text":"So even things like crypto and stuff, they're they're not available, and I doubt they'll, like, ever be in the near future available inside superannuation.","start":1133.9249,"end":1141.3849,"sentiment":"neutral","sentiment_score":-0.3150534600019455},{"text":"So they are quite strict on what is available.","start":1141.605,"end":1143.365,"sentiment":"neutral","sentiment_score":-0.2955401630865203}],"sentiment":"neutral","sentiment_score":-0.22496768113757884,"num_words":70,"start":1121.94,"end":1143.365},{"sentences":[{"text":"But if it does get listed on the ASX, generally, it is considered, you know, quite good investment grade quality, and then likelihood of them making it in there if they sort of keep a good track record is a lot higher than something that is just sort of, you know, not performing too great.","start":1143.365,"end":1159.47,"sentiment":"positive","sentiment_score":0.36751402101733466},{"text":"Yeah.","start":1170.8251,"end":1171.225,"sentiment":"neutral","sentiment_score":0.0837874710559845},{"text":"It's it's not like when I say, like, too, when you're in a high growth, it's not that your investments become any riskier generally.","start":1171.225,"end":1178.18,"sentiment":"neutral","sentiment_score":-0.026867720647715032},{"text":"It's the fact that you just have a higher allocation to growth.","start":1178.18,"end":1181.56,"sentiment":"neutral","sentiment_score":0.08196719642728567},{"text":"So even if you went down to, like, an eighty ten split, the the level of, like, assets that you're investing in, they don't become any less risky.","start":1181.62,"end":1188.6749,"sentiment":"neutral","sentiment_score":0.030216852502365197}],"sentiment":"neutral","sentiment_score":0.17901592965548238,"num_words":120,"start":1143.365,"end":1188.6749},{"sentences":[{"text":"It just means that you have more in the defensive portion as a waiting, so it just shifts things around a little bit there as well.","start":1188.6749,"end":1195.815,"sentiment":"neutral","sentiment_score":0.037542532126490884},{"text":"It's not like it changes the whole portfolio to something completely different risk, completely different level of exposure.","start":1196.195,"end":1202.375,"sentiment":"neutral","sentiment_score":-0.13360141321188873},{"text":"It's just the the weightings that change, and some of the investments obviously do change, but it's more the weightings towards growth versus those defensive assets.","start":1202.5149,"end":1209.97,"sentiment":"neutral","sentiment_score":0.02879286091774702},{"text":"And you have your alternatives, which are like your your heavy metals, which get a bit of capital growth, which, you know, can be a growth asset, can be defensive depending on what the market's doing.","start":1209.97,"end":1221.8151,"sentiment":"neutral","sentiment_score":0.04621535079139802},{"text":"Yeah.","start":1232.21,"end":1232.37,"sentiment":"neutral","sentiment_score":-0.002788962796330452}],"sentiment":"neutral","sentiment_score":0.009166901374113894,"num_words":107,"start":1188.6749,"end":1232.37},{"sentences":[{"text":"And it's the the same kind of any obviously, like, people have their different investing styles and having the active management is considered more risky, which is why that's it's not exactly the same type of risk.","start":1232.37,"end":1243.17,"sentiment":"neutral","sentiment_score":-0.07647632142981968},{"text":"It's more like a management risk and how they perform within that.","start":1243.17,"end":1246.965,"sentiment":"neutral","sentiment_score":-0.07615692199518283},{"text":"But they're sort of investing in the same sort of companies and things like that.","start":1247.205,"end":1249.9249,"sentiment":"neutral","sentiment_score":-0.02409000520904859},{"text":"They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing.","start":1249.9249,"end":1256.1849,"sentiment":"neutral","sentiment_score":-0.048224612017688545},{"text":"Whereas that index, like, you're just investing within those growth assets, same sort of shares, property, those sort of things, and fixed interest gold.","start":1256.485,"end":1263.86,"sentiment":"neutral","sentiment_score":0.020692435869326193}],"sentiment":"neutral","sentiment_score":-0.042499140995714044,"num_words":111,"start":1232.37,"end":1263.86},{"sentences":[{"text":"It's just the weightings that differ.","start":1263.86,"end":1265.46,"sentiment":"neutral","sentiment_score":0.0037036888922254243},{"text":"And then they're a lot more sort of, you know, technical in their approach because it's literally just the markets and how they grow and how the companies are growing that dictates what's in there.","start":1265.46,"end":1276.36,"sentiment":"neutral","sentiment_score":0.009933482642684665},{"text":"Bear with me.","start":1289.635,"end":1290.515,"sentiment":"neutral","sentiment_score":0.005189243704080582},{"text":"I'll just bring it up.","start":1290.515,"end":1300.9701,"sentiment":"neutral","sentiment_score":0.026617149636149407},{"text":"It's just loading up there now.","start":1300.9701,"end":1302.75,"sentiment":"neutral","sentiment_score":0.04664610388378302}],"sentiment":"neutral","sentiment_score":0.014516802335327322,"num_words":55,"start":1263.86,"end":1302.75},{"sentences":[{"text":"So the last one I have in there was the twenty fourth at twelve from Checkpoint Constructions, p t l y d.","start":1303.13,"end":1309.485,"sentiment":"neutral","sentiment_score":0.02811425467106429},{"text":"And it seems like they they looks like they did a bit of a a back payment, so you might have been owed a little bit of super because there's, like, a 400 and then a $1,500 payment.","start":1312.265,"end":1321.56,"sentiment":"neutral","sentiment_score":0.00114393248958023},{"text":"So it looks like they've dumped all the the owing amounts in there at that time.","start":1321.7,"end":1325.88,"sentiment":"neutral","sentiment_score":-0.05348605313338339},{"text":"Yeah.","start":1342.515,"end":1342.675,"sentiment":"neutral","sentiment_score":-0.006614698097109795},{"text":"I wouldn't exactly be able to know exact because the the last one before is the eleventh of the eighth for, MODIS projects.","start":1342.675,"end":1350.59,"sentiment":"neutral","sentiment_score":-0.030071259516736736}],"sentiment":"neutral","sentiment_score":-0.00892047479748726,"num_words":100,"start":1303.13,"end":1350.59},{"sentences":[{"text":"And then, yeah, you've got that too.","start":1351.61,"end":1353.47,"sentiment":"neutral","sentiment_score":-0.0058379687169300655},{"text":"Yeah.","start":1356.33,"end":1356.57,"sentiment":"neutral","sentiment_score":0.019822385162115097},{"text":"There is one from Belmont as well at the twenty eighth to the seventh for $470.","start":1356.57,"end":1361.115,"sentiment":"neutral","sentiment_score":0.018678871681913733},{"text":"So that was just the last time.","start":1365.575,"end":1366.775,"sentiment":"neutral","sentiment_score":-0.007123165763914585},{"text":"Do you want me to do up?","start":1366.775,"end":1368.5349,"sentiment":"neutral","sentiment_score":-0.011256800964474678}],"sentiment":"neutral","sentiment_score":0.003925231156723672,"num_words":38,"start":1351.61,"end":1368.5349},{"sentences":[{"text":"I can do this financial year's deposits withdrawal report, and you can have a look what's going in.","start":1368.5349,"end":1373.37,"sentiment":"neutral","sentiment_score":0.07961917813453409},{"text":"Yeah.","start":1389.2849,"end":1389.7849,"sentiment":"neutral","sentiment_score":0.07633385807275772},{"text":"Exactly.","start":1389.845,"end":1390.345,"sentiment":"neutral","sentiment_score":0.12317106127738953},{"text":"Yeah.","start":1391.205,"end":1391.445,"sentiment":"neutral","sentiment_score":0.13222096860408783},{"text":"I'll do from this financial year for you, and then you can just cross reference your payslips and see if they're up to date or not.","start":1391.445,"end":1397.845,"sentiment":"neutral","sentiment_score":0.10716175073041366}],"sentiment":"neutral","sentiment_score":0.09683141730567242,"num_words":47,"start":1368.5349,"end":1397.845},{"sentences":[{"text":"You might have to have a chat with accounting there.","start":1397.845,"end":1400.22,"sentiment":"neutral","sentiment_score":0.03904758561402559},{"text":"No.","start":1410.0599,"end":1410.38,"sentiment":"neutral","sentiment_score":-0.1833428591489792},{"text":"So that's, like, how many gets between you and your employer and Fair Work if they're not paying you your superannuation there, unfortunately.","start":1410.38,"end":1416.775,"sentiment":"neutral","sentiment_score":-0.1682740313851315},{"text":"During, like, the the annual reviews and things like that before, like, we do those catch ups and things like that, we go in and have a look at your employee contributions and see if they are going in, and it is part of, like, the checks.","start":1424.355,"end":1435.83,"sentiment":"neutral","sentiment_score":0.0012426286876360154},{"text":"But we we don't, like, check specific amounts against, like, income and things like that as well.","start":1436.77,"end":1441.59,"sentiment":"neutral","sentiment_score":-0.04946613596642718}],"sentiment":"neutral","sentiment_score":-0.04536418865282773,"num_words":98,"start":1397.845,"end":1441.59},{"sentences":[{"text":"Yeah.","start":1464.29,"end":1464.53,"sentiment":"neutral","sentiment_score":0.01223885826766491},{"text":"And it does make a difference.","start":1464.53,"end":1466.13,"sentiment":"neutral","sentiment_score":0.022271553054451942},{"text":"So it's generally why we check as well, like, the contributions going in.","start":1466.13,"end":1469.4451,"sentiment":"neutral","sentiment_score":-0.0329738947061392},{"text":"It sort of becomes a red flag when someone's fully employed, and they've only got, like, $2,000 in in contributions there as well.","start":1469.4451,"end":1475.765,"sentiment":"neutral","sentiment_score":-0.0948554262842821},{"text":"So and I'm just having a look here.","start":1475.765,"end":1478.885,"sentiment":"neutral","sentiment_score":-0.059464453952386975}],"sentiment":"neutral","sentiment_score":-0.05765064491652975,"num_words":51,"start":1464.29,"end":1478.885},{"sentences":[{"text":"That that last financial year one, it didn't capture all of them.","start":1478.885,"end":1483.56,"sentiment":"neutral","sentiment_score":-0.10145427659153938},{"text":"So I'll just do the last twelve months for contributions there so you can see all of those to make it a little bit easier.","start":1483.56,"end":1492.9401,"sentiment":"neutral","sentiment_score":0.1771863525826484},{"text":"Perfect.","start":1494.68,"end":1495.18,"sentiment":"neutral","sentiment_score":0.3037789463996887},{"text":"Yeah.","start":1495.725,"end":1495.965,"sentiment":"neutral","sentiment_score":0.19285522401332855},{"text":"I'll send that in an email just after I get off the phone here.","start":1495.965,"end":1498.445,"sentiment":"neutral","sentiment_score":0.1350280030497483}],"sentiment":"neutral","sentiment_score":0.10564591902975906,"num_words":53,"start":1478.885,"end":1498.445},{"sentences":[{"text":"But anything else while you've got me there, Kristin?","start":1498.445,"end":1500.625,"sentiment":"neutral","sentiment_score":0.0875527991188897},{"text":"Brilliant.","start":1505.245,"end":1505.725,"sentiment":"positive","sentiment_score":0.7754622101783752},{"text":"Well, we'll probably touch base in a couple of weeks there anyway.","start":1505.725,"end":1508.285,"sentiment":"neutral","sentiment_score":0.2875284478068352},{"text":"Just you booked in to present that investment update.","start":1508.285,"end":1510.9299,"sentiment":"neutral","sentiment_score":0.23839050862524244},{"text":"But otherwise, until then, you enjoy your working there and look after yourself.","start":1510.9299,"end":1515.27,"sentiment":"positive","sentiment_score":0.4261552829008836}],"sentiment":"neutral","sentiment_score":0.28862072798338806,"num_words":44,"start":1498.445,"end":1515.27},{"sentences":[{"text":"That's good.","start":1517.25,"end":1517.8099,"sentiment":"positive","sentiment_score":0.5596817433834076},{"text":"Thanks, mate.","start":1517.8099,"end":1518.37,"sentiment":"positive","sentiment_score":0.7633364498615265},{"text":"Bye.","start":1518.37,"end":1518.87,"sentiment":"positive","sentiment_score":0.37906455993652344}],"sentiment":"positive","sentiment_score":0.6050201892852783,"num_words":5,"start":1517.25,"end":1518.87}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Afternoon. Thank you for calling Oakview Financial. This is Caden.\n\nChannel 0: Hi, Caden. My name is Chris. I believe I had Kyle try and reach me.\n\nChannel 1: Yeah. Of course. Let me just quickly jump in and have a look. I won't be two seconds. It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I\n\nChannel 0: No stress.\n\nChannel 1: navigate around properly.\n\nChannel 0: Yep.\n\nChannel 1: And search for phone number. Awesome. Thank you so much, Christopher. How are you?\n\nChannel 0: Oh, fantastic. Thanks. Yourself?\n\nChannel 1: Yeah. Very well. Thank you. Now just before I can continue for you today, I do just have to let you know that the call is recorded for quality and coaching purposes. Are you okay with that one?\n\nChannel 0: Per usual. Yep.\n\nChannel 1: Lovely. And I've got a client password on file for you as well. Do you know what that one is?\n\nChannel 0: Sorry? O, Jock.\n\nChannel 1: Well, I've got a different one.\n\nChannel 0: Can you give me a hint of my grandmother?\n\nChannel 1: Yeah. I've got grandmother. Yep.\n\nChannel 0: Will\n\nChannel 1: Yeah. Awesome. Thank you for that one. Alrighty. I'm gonna pop you on a brief hold, and I'll see if Carl's still available.\n\nChannel 0: we? Cool. Thanks.\n\nChannel 1: Alrighty. Thank you.\n\nChannel 0: Bye.\n\nChannel 1: Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals when we return to your call. Afternoon, Christopher.\n\nThanks for returning my call there.\n\nChannel 0: Sir, what? How are you?\n\nChannel 1: Yeah. Not bad. How are you going?\n\nChannel 0: Good. Thanks. I'm just gonna start the car so you won't switch on the Bluetooth. Any minute.\n\nChannel 1: No problem. But, yeah, the reason I was calling there, Christopher, was just in regards to your insurances if you remember our brief con conversation end of last year.\n\nChannel 0: Yep. I had insurances.\n\nChannel 1: Yep. So I know, like do you remember our conversation sort of end of last year before the Christmas bake around insurances and the increase that you're looking for?\n\nChannel 0: Yes. I did.\n\nChannel 1: Yep.\n\nChannel 0: I do.\n\nChannel 1: So the the pre assessment's come back for that one. I don't know if you remember the conversation. I know you just had the the niggle with the the neck there that you're seeing a car o four.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So with that oh, sorry?\n\nChannel 0: But since been sorted, like, I don't have that anymore.\n\nChannel 1: Yes. The the recency of that though, they're they're gonna look at probably applying a neck exclusion to a policy that is underwritten again. Now the options is, obviously, we can look at doing just a top up until such time that you've know enough time has passed where the condition sort of doesn't mean that it'll be an exclusion,\n\nChannel 0: Okay.\n\nChannel 1: but they look,\n\nChannel 0: Yeah. That's easy.\n\nChannel 1: yeah, that\n\nChannel 0: Yep.\n\nChannel 1: they look kind of rough on things to do with, like, neck, spine, musculoskeletal stuff that, you know,\n\nChannel 0: Yeah.\n\nChannel 1: spinal exclusions are quite common, especially when you go up to see a chiro. So you'd probably have to do a couple years symptom free before they wouldn't add that exclusion just due to how close it was.\n\nChannel 0: Yep.\n\nChannel 1: So so with that, we can look at just doing a top up in conjunction with the policy you already have because you already have the 1.4 of life in TPG, which I know you're pretty sorta happy with given that you've only got the the $470,000 mortgage. It was the IP portion because your income's at that $1.70 mark that was the main thing.\n\nChannel 0: Well, her income's grown a fair bit as well.\n\nChannel 1: Yes. So you're currently on the 170,000 per annum, or has it gone up from that?\n\nChannel 0: I'm currently on that, but it will it will continue to go up. So as long as that's sort of covered, that's fine.\n\nChannel 1: Yes. Your monthly benefit at the moment, which 70% is like the max you can sort of do at the moment without, like, booster options of your your income. Now\n\nChannel 0: Yeah. Okay.\n\nChannel 1: on your current\n\nChannel 0: Yep.\n\nChannel 1: income, that's around $9.09, a little bit over, and you're currently only covered for around the 6,290 as a monthly benefit, so quite a bit below that. Now\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: the portion different because, obviously, you don't have the NEC exclusion on the current income protection cover policy there just due to the recency of it. So we wanna retain that, and then we can just look to top up the remaining, like, 4,000 on a different policy just to\n\nChannel 0: Yep.\n\nChannel 1: bridge bridge the gap, and then you'd have that neck exclusion on that. Now if you go a couple years and you don't have any ongoing issues and no other health issues arise, we can look at just rewriting everything down to one policy again.\n\nChannel 0: Yep.\n\nChannel 1: So you don't have the two. But in the meantime, yeah, because you're gonna end up with that exclusion most likely, then we wanna sort of make sure we keep the one that's there. But in regards to your life and TPD portion, are you happy with the 1,400,000.0? Do you wanna look at topping up that at all, or are you pretty happy with that given your level of debt?\n\nChannel 0: Yeah. So it kinda gives me what do you say? Is it it's 1.4 on the dot? Or\n\nChannel 1: Yeah. Close enough. It's $1.03 $9.09 $9.05.\n\nChannel 0: oh, yeah. I'm happy with that for now.\n\nChannel 1: Yeah. Because that will basically like, if you include your superannuation as well, which you can normally offset, it basically covers your debt, and then you've got, like, a mill afterwards, which is, you know, probably around that seven point five ish years income replacement if anything did go wrong in terms of, like, PPE amount. But then you can also invest that money as well if something were to happen. So you paid any debt, have that invested, and be able to sort of look at drawing that down as an income there as well.\n\nChannel 0: Yeah. Yep. Absolutely.\n\nChannel 1: Yeah. Because, obviously, you know, you're not paying too much for it now, but it will obviously creep up. We can obviously look at reductions in the future as well. Just wanna see where you're at and see if you just wanna look at doing that top up. We can look at doing the 15% increase within line with the policy, but it has to be within thirty days of the annual review, like, the review of the policy, which is the seventh, like, month.\n\nSorry. So twenty eighth to the seventh, we'd\n\nChannel 0: Yeah.\n\nChannel 1: be able to look at doing that, and then we could look\n\nChannel 0: Look.\n\nChannel 1: at topping that up a small amount.\n\nChannel 0: Okay. I'm pretty happy with the policy as it is, so I probably don't need to bridge that gap for the income protection if it's gonna because I'm assuming two policies obviously means more\n\nChannel 1: Yeah. You\n\nChannel 0: more\n\nChannel 1: would be\n\nChannel 0: out\n\nChannel 1: paying\n\nChannel 0: of the account,\n\nChannel 1: it would be paying\n\nChannel 0: more\n\nChannel 1: more.\n\nChannel 0: premiums.\n\nChannel 1: So if you feel like, yeah, if anything did go wrong, you'd be able to get by on that $6,000 a month sort of monthly benefit. Because, obviously, with that, you're still taxed on that, and whatever amount that is comes down to what income you've earned in that year. But if you wanna work towards being a little bit more self insured, I know you don't have too much debt other than, like, the the car, a little bit of credit card here and there, and then the mortgage. So if you sort of even look at getting ahead a bit more on your mortgage and using that as a bit of a self insurance\n\nChannel 0: Yeah. Look. I'm I'm in a pretty good position right now. And, yeah, I\n\nChannel 1: measure?\n\nChannel 0: can definitely live off because I think that'll come down to about 5 or just under 5. So that'll cover the mortgage, you know, few few, yeah, quite easily. So\n\nChannel 1: Yep. Not a not a problem\n\nChannel 0: awesome.\n\nChannel 1: at all. So if you're if you're happy retaining that, that's more than fine. Then we can just look at just doing an update in regards to your shooper investments. I know we're just reviewing those with that as well. And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment.\n\nI don't know if you got the the newsletter with the the Benelong. It did take a bit of a backward step, which is partially the reason we're reviewing as well. And then with that, we'll just give you an update on that and provide an advice document for them. We'll just look\n\nChannel 0: Okay.\n\nChannel 1: to\n\nChannel 0: Cool.\n\nChannel 1: retain your current insurances. Not a problem at all. Do you have any questions for me in regards to anything at all while you've got me there?\n\nChannel 0: No. Not really. Actually, I was wondering when you guys were gonna get back to me. So\n\nChannel 1: Do do apologize. Yeah. So insurances took a little bit, and then we also changed systems, like, at the the start of the year. So it's been moving everyone over to that and try not to lose everything in the meantime as well. So it's been a bit of a a madhouse for the the last few weeks.\n\nChannel 0: Yeah.\n\nChannel 1: I do apologize for that.\n\nChannel 0: No. No. It's all good. No no stress on my end. Cool.\n\nNice. Yeah, looking forward to kind of just, yeah, have a look at that portfolio. And I think I'm in pretty much all high risk at the moment or, like, majority of it.\n\nChannel 1: So you're in a high growth portfolio. So with that, it's about a ninety ten split and it's 90% growth asset It's about 10% offensive. Now within regards to that as well, you do have an active portion of that, which is that Benelon. I'll just log in quickly because it's just logged me out. And which is the one that got back like, went backwards.\n\nSo it had an underlying investment called corporate traveler, and they got suspended on the ASX because they weren't reporting correctly and they got done for it, basically, which was like a key holding in that Benelung Fund, which like, it\n\nChannel 0: Yep.\n\nChannel 1: wasn't Australian Equities, which is like, it's Australian Equities Fund that were performing badly. It was literally solely because of that announcement with that underlying investment. Now\n\nChannel 0: Yep.\n\nChannel 1: don't get me wrong. Benelung hasn't been performing to the point where you'd want it to for an actively managed fund anyway for the past couple of years. Like, it hasn't been going backwards, obviously, but it hasn't exactly, for the cost you pay, been getting the returns you'd you'd want out of someone that's meant to be trying to outperform the market, if that makes sense.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So the the options there with that as well, we can obviously look to replace that with an active managed portion to look at the same sort of thing trying to have perform the market and having a little bit of that manager risk there as well or looking at potentially just removing the active portion for a little bit there as well. Now with your account, it's for the past twelve months, it sort of with what happened in, you know, early start of the year with Trump and his tariff talks and then that Benelon thing hasn't done too much over the past, like, six months. It's it's had a bit stagnant. But since you've been on board, it's still ticking up nicely in terms of, like, your total returns over those few years. But, yeah, we obviously wanna do a bit of an update.\n\nChannel 0: Yeah. So when do you wanna book in that update? Because I probably will will that be active from then along and try and reposition it elsewhere.\n\nChannel 1: Yeah. Exact so we'll still do that now. Like, that's why I was calling just the insurance\n\nChannel 0: Oh, so\n\nChannel 1: side of\n\nChannel 0: you\n\nChannel 1: that.\n\nChannel 0: you guys\n\nChannel 1: So we're,\n\nChannel 0: already do that? Yep.\n\nChannel 1: yeah,\n\nChannel 0: Cool.\n\nChannel 1: we're still doing that in the background as well. And then we'll get that together for you, and then we'll get you booked in for that as well. I can even sort of calendar's pretty full at the moment, but even, like, a couple weeks from now, even, like, Thursday, the twenty sixth maybe, get you booked in to\n\nChannel 0: Yep.\n\nChannel 1: present that.\n\nChannel 0: Do you guys obviously, you'd look after a fair few portfolios. Do you have statistics on your ones that are doing, like, the highest amount of growth? Like like, what their\n\nChannel 1: So\n\nChannel 0: ratios are?\n\nChannel 1: at\n\nChannel 0: What\n\nChannel 1: the\n\nChannel 0: they've invested\n\nChannel 1: at the moment, a lot of the ones\n\nChannel 0: in.\n\nChannel 1: with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past,\n\nChannel 0: Yep.\n\nChannel 1: you know, two years with everything that was happening. Now a lot of that as well, the active managed funds with everything that's happening in the world, they've been struggling a little bit. A lot of them, like, haven't been outperforming the market, so we could look to just do a more of an index, which is lower cost as well. It costs you less to invest in those funds than it does to have the active managed funds. And then you just sort\n\nChannel 0: Yep.\n\nChannel 1: of follow what the the markets are doing a bit more closely. So that's like that S and P 500, which is a core of your portfolio, that's like an indexed investment where it tracks the top\n\nChannel 0: Yes.\n\nChannel 1: 500 companies in America. Now it is still fluid in the sense that if a company falls out of that top 500, it falls out of, like, the investment holding that you hold. But it's\n\nChannel 0: Yeah.\n\nChannel 1: less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas.\n\nChannel 0: Yeah. I think it'd be good to have a bit of a portion in index funds. I think what's still about 4% four and a half percent a a year growth. It's not much, but it's it's consistent.\n\nChannel 1: So you wanna look at keeping a bit more of an active management like, at least some portion of active in that?\n\nChannel 0: Yeah. I'd probably call that more dissensus if anything gone into an index index fund.\n\nChannel 1: Yep. No. We can look at that and just, like, looking to be solely sort of index. It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper.\n\nChannel 0: Okay.\n\nChannel 1: And that will be, like, a direct savings even if it performs at the same level or better. Like, if it performs better, you double win because it costs less you're performing better, which it has sort of for the past, like, at least year and a half just given the way that the markets have been traveling.\n\nChannel 0: Yeah.\n\nChannel 1: And then, like, things like even the tech industries, like, over the past few months has taken a real big hit. It was over overinflated a little bit then. It's sort of taken that backwards step. But, yeah, we can definitely look at a more indexed approach that's a bit cheaper and then hopefully get you those nice returns in conjunction with that as well.\n\nChannel 0: Probably last question is, when over in The States, they have, like, tax free bonds and all that. Do we do anything similar over in Australia?\n\nChannel 1: So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that. You can set them up for yourself, for children. You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of that.\n\nChannel 0: Right.\n\nChannel 1: Because\n\nChannel 0: Yep.\n\nChannel 1: the way they work is that the company holds much like super like, you they have a trustee that owns it and you're the beneficiary of it. That's the same as sort of those investment bonds where the company actually owns the bond, but you're the beneficiary of it. So you pay the company's tax rate, but then they also have a lot of relationships with the investments that they they hold within those funds, which lowers\n\nChannel 0: Mhmm.\n\nChannel 1: the effective tax rate. And then also with that as well, they do a lot of, like, the the buyers and sells that become more tax effective in their trading. So you the effective tax rate of the bond can get much lower than the 30%, and then you can use them the same as any other investment. You do regular savings plans, things like that. They do have limits if you stop investing in it.\n\nYou can't invest anymore unless you'd, like, reach the 120 or not the 120 125% rule there as well. So if you stop contributing, that resets the ten year rule. And then if you contribute over the 125, it also resets that ten year rule. But if as long as you stay in line with that, within your contributions with each financial year, it's golden. And then ten years from now, you get a tax free\n\nChannel 0: Yeah. Right. So it sounds like something I'd personally just invest in with, like, some liquid rather than using the fund.\n\nChannel 1: distribution. So with that one there is yeah. That's like a a more personal investment, like, outside of the superannuation environment.\n\nChannel 0: Yeah.\n\nChannel 1: They do hold certain ones, like, on the platforms, but it doesn't really sort of make much sense when if you hold your super to the preservation age anyway, it becomes a tax free distribution anyway.\n\nChannel 0: Righto. And we can only invest in what's in the ASX, not on the nose decorating?\n\nChannel 1: No. There are a bunch of other, you know, foreign exchange listed securities on there. Was there something in particular that that you were looking at investing in?\n\nChannel 0: Yeah. So, obviously, you mentioned heavy metals is something I wanna get into, but also the tech side as well. So I've been on and off Ceraburus personally at the moment. I've got a broker who's willing to sell off a portion, of his allotment, because I know they're gonna go through an RPA potentially mid this year, but it's doing pretty well in the secondary market.\n\nChannel 1: Yeah. Given that it's hasn't gone to IPO yet and that how, like, new it is, it probably isn't available, like, with on, like, the Hub twenty four platform or any superannuation platform. So that's something you'd have to probably invest in outside of superannuation if that's something\n\nChannel 0: Oh,\n\nChannel 1: you're\n\nChannel 0: no.\n\nChannel 1: looking.\n\nChannel 0: I mean, so, yeah, more so when it becomes available, if if it does, for you guys, that's something I'd be looking at. And but, yeah, mostly any other tech companies that would have a potential move in the next couple of years.\n\nChannel 1: Yep. So with that and the index investing, that doesn't really hold, like, the, like, direct shares, and we don't, like, normally invest in direct shares as, like, a whole just because of the risky nature of them and things like that within the super. But we can invest in them if they're available, and there are specific ones that you want to be in. So with that, you'll still have, like, a tech within your profile, and we can even do a tech, like, index investment there as well and then\n\nChannel 0: Okay.\n\nChannel 1: have that as a portion of it. As far as any direct equities that you'd want in it and sort of suggest them if they are available, we can chuck them in there if they're within, like, investment grade products. That's, like, less without our advice and just with transaction without advice, so we just do it for you and something that you want.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: we can look at a more, like, index sorta tech approach there as well. As I said, it went down a little bit the end of last year and this year, but in saying that it might be the time to buy as well with the dip.\n\nChannel 0: I think so too. Yeah.\n\nChannel 1: And then if the\n\nChannel 0: Alright.\n\nChannel 1: once that sort of if it does come available on the fund, I'm more than happy to sorta facilitate that trade for you as well if that's something you did want. But I doubt that Cerberus one's available in it at the moment.\n\nChannel 0: No. It wouldn't be. But it's good to know. Just sort of yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Well, that's\n\nChannel 1: Because\n\nChannel 0: all\n\nChannel 1: it\n\nChannel 0: what there you go.\n\nChannel 1: yeah. So they are quite strict on what they're allowed to be invested on in, like, your superannuation funds because, obviously, at the end of the day, it is like people's retirement funds. So even things like crypto and stuff, they're they're not available, and I doubt they'll, like, ever be in the near future available inside superannuation. So they are quite strict on what is available. But if it does get listed on the ASX, generally, it is considered, you know, quite good investment grade quality, and then likelihood of them making it in there if they sort of keep a good track record is a lot higher than something that is just sort of, you know, not performing too great.\n\nChannel 0: Yeah. Yeah. I get that. Yeah. I was sort of just yeah.\n\nAfter how high of a risk can win best, but, obviously, that yeah. You pretty much answered my question.\n\nChannel 1: Yeah. It's it's not like when I say, like, too, when you're in a high growth, it's not that your investments become any riskier generally. It's the fact that you just have a higher allocation to growth. So even if you went down to, like, an eighty ten split, the the level of, like, assets that you're investing in, they don't become any less risky. It just means that you have more in the defensive portion as a waiting, so it just shifts things around a little bit there as well.\n\nIt's not like\n\nChannel 0: Okay.\n\nChannel 1: it changes the whole portfolio to something completely different risk, completely different\n\nChannel 0: Alright.\n\nChannel 1: level of exposure.\n\nChannel 0: Yep.\n\nChannel 1: It's just the the weightings that change, and some of the investments obviously do change, but it's more the weightings towards growth versus those defensive assets. And you have your alternatives, which are like your your heavy metals, which get a bit of capital growth, which, you know, can be a growth asset, can be defensive depending on what the market's\n\nChannel 0: Yeah. Okay. No. That's that's\n\nChannel 1: doing.\n\nChannel 0: good. That's never been explained to me because I used to be a bus queue, and they called it high graph high risk. So I just assumed you guys are the same, but that makes a lot more sense, actually. So\n\nChannel 1: Yeah. And it's the the same kind of any obviously, like, people have their different investing styles and having the active management is considered more risky, which is why that's it's not exactly the same type of risk. It's more like a management risk and how they perform within that. But they're sort of investing\n\nChannel 0: Yeah.\n\nChannel 1: in the same sort of companies and things like that. They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing. Whereas that index, like, you're just investing within those growth assets, same sort of shares, property, those sort of things, and fixed interest gold. It's just the weightings that differ. And then they're a lot more sort of, you know, technical in their approach because it's literally just the markets and how they grow and how the companies are growing that dictates what's in there.\n\nChannel 0: Yep. Oh, actually, while I've got you, can you see if my current employer is making contributions?\n\nChannel 1: Bear with me. I'll just bring it up. It's just loading up there now. So the last one I have in there was the twenty fourth at twelve from Checkpoint Constructions, p t l y d.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: And\n\nChannel 0: It's\n\nChannel 1: it seems\n\nChannel 0: good to know.\n\nChannel 1: like they they looks like they did a bit of a a back payment, so you might have been owed a little bit of super because there's, like, a 400 and then a $1,500 payment. So it looks like they've dumped\n\nChannel 0: Alright.\n\nChannel 1: all the the owing amounts in there at that time.\n\nChannel 0: That that makes sense because, yeah, just one of my coworkers just said to keep an eye on them, but it sounds like he was talking about that period. So it's good to know that they backpaid what they didn't.\n\nChannel 1: Yeah. I\n\nChannel 0: But\n\nChannel 1: wouldn't\n\nChannel 0: third\n\nChannel 1: exactly\n\nChannel 0: of\n\nChannel 1: be able to know exact because the the last one before is the eleventh of the eighth for, MODIS projects. And then, yeah,\n\nChannel 0: is\n\nChannel 1: you've\n\nChannel 0: there\n\nChannel 1: got\n\nChannel 0: anything\n\nChannel 1: that too.\n\nChannel 0: from Dio Valmont?\n\nChannel 1: Yeah. There is one from Belmont as well at the twenty eighth to the seventh for $470.\n\nChannel 0: Is that it?\n\nChannel 1: So that\n\nChannel 0: Okay.\n\nChannel 1: was just the last time. Do you want me to do up? I can do this financial year's deposits withdrawal report, and you can have a look what's going in.\n\nChannel 0: If you could, please, just, yeah, just try and keep track. Because I've yeah. Motors were good. Gaia wasn't sure if they were contributing or not. And Checkpoint, obviously yeah.\n\nI still work there, so I know where they live.\n\nChannel 1: Yeah. Exactly. Yeah. I'll do from this financial year for you, and then you can just cross reference your payslips and see if they're up to date or not. You might have to have a chat with accounting there.\n\nChannel 0: Yeah. Cool. But, generally, like, obviously, if they've missed up to, like, three months, do you guys chase them up? Or\n\nChannel 1: No. So that's, like, how many gets between you and your employer and Fair Work if they're not paying you your superannuation there, unfortunately.\n\nChannel 0: alright. But do you, like, flag it to customers if you don't see any contributions come through for a bit?\n\nChannel 1: During, like, the the annual reviews and things like that before, like, we do those catch ups and things like that, we go in and have a look at your employee contributions\n\nChannel 0: Okay.\n\nChannel 1: and see if they are going in, and it is part of, like, the checks. But\n\nChannel 0: Cool.\n\nChannel 1: we we don't, like, check specific amounts against, like, income and things like that as well.\n\nChannel 0: Alright. I wouldn't. But, yeah, just obviously keeping it somewhat regular or if at all, because I've heard of, obviously, companies. Guys just don't really check it, and some super funds don't obviously flag it. And then, you know, two or three years down the track when they leave, it's yeah.\n\nThey haven't had anything put into their account.\n\nChannel 1: Yeah. And it does make a difference. So it's generally why we check as well, like, the contributions going in. It sort of becomes a red flag when someone's fully employed, and they've only got, like, $2,000 in in contributions there as well. So and\n\nChannel 0: Yeah.\n\nChannel 1: I'm just\n\nChannel 0: No.\n\nChannel 1: having a\n\nChannel 0: Just\n\nChannel 1: look\n\nChannel 0: double\n\nChannel 1: here.\n\nChannel 0: checking.\n\nChannel 1: That that last financial year one, it didn't capture all of them. So I'll just do the last twelve months for contributions there so you can see\n\nChannel 0: Yep.\n\nChannel 1: all\n\nChannel 0: That'd\n\nChannel 1: of\n\nChannel 0: be\n\nChannel 1: those\n\nChannel 0: fantastic.\n\nChannel 1: to make it a little bit easier. Perfect. Yeah. I'll send that in an email just after I get off the phone here. But anything else while you've got me there, Kristin?\n\nChannel 0: No. You've been fantastic, so I'll leave it at that.\n\nChannel 1: Brilliant. Well, we'll probably touch base in a couple of weeks there anyway. Just you booked in to present that investment update. But otherwise, until then, you enjoy your working there and look after yourself.\n\nChannel 0: Either you\n\nChannel 1: That's good. Thanks, mate. Bye.\n\nChannel 0: take. Bye.","paragraphs":[{"sentences":[{"text":"Afternoon.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.050539400428533554},{"text":"Thank you for calling Oakview Financial.","start":2.48,"end":3.9199998,"sentiment":"positive","sentiment_score":0.3898991296688716},{"text":"This is Caden.","start":3.9199998,"end":4.74,"sentiment":"positive","sentiment_score":0.3437010943889618}],"sentiment":"positive","sentiment_score":0.3421037461608648,"channel":1,"num_words":10,"start":1.92,"end":4.74},{"sentences":[{"text":"Hi, Caden.","start":5.52,"end":6.16,"sentiment":"neutral","sentiment_score":0.07045108452439308},{"text":"My name is Chris.","start":6.16,"end":7.04,"sentiment":"neutral","sentiment_score":0.039552182890474796},{"text":"I believe I had Kyle try and reach me.","start":7.04,"end":9.3,"sentiment":"neutral","sentiment_score":0.03466391501327356}],"sentiment":"neutral","sentiment_score":0.04073907571534316,"channel":0,"num_words":15,"start":5.52,"end":9.3},{"sentences":[{"text":"Yeah.","start":9.92,"end":10.24,"sentiment":"neutral","sentiment_score":0.02622140198945999},{"text":"Of course.","start":10.24,"end":10.8,"sentiment":"neutral","sentiment_score":0.01243286533281207},{"text":"Let me just quickly jump in and have a look.","start":10.8,"end":13.219999,"sentiment":"neutral","sentiment_score":0.0133987738750875},{"text":"I won't be two seconds.","start":16.145,"end":17.345,"sentiment":"neutral","sentiment_score":-0.05486072301864624},{"text":"It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I","start":17.345,"end":22.404999,"sentiment":"neutral","sentiment_score":-0.07112876071848652}],"sentiment":"neutral","sentiment_score":-0.04135153698734939,"channel":1,"num_words":40,"start":9.92,"end":22.404999},{"sentences":[{"text":"No stress.","start":22.395,"end":23.135,"sentiment":"neutral","sentiment_score":-0.042962100356817245}],"sentiment":"neutral","sentiment_score":-0.042962100356817245,"channel":0,"num_words":2,"start":22.395,"end":23.135},{"sentences":[{"text":"navigate around properly.","start":22.865,"end":24.165,"sentiment":"neutral","sentiment_score":-0.005542458345492681}],"sentiment":"neutral","sentiment_score":-0.005542458345492681,"channel":1,"num_words":3,"start":22.865,"end":24.165},{"sentences":[{"text":"Yep.","start":24.955,"end":25.455,"sentiment":"neutral","sentiment_score":0.028980126604437828}],"sentiment":"neutral","sentiment_score":0.028980126604437828,"channel":0,"num_words":1,"start":24.955,"end":25.455},{"sentences":[{"text":"And search for phone number.","start":25.744999,"end":27.765,"sentiment":"neutral","sentiment_score":0.025734260305762292},{"text":"Awesome.","start":28.449999,"end":28.769999,"sentiment":"positive","sentiment_score":0.40204694867134094},{"text":"Thank you so much, Christopher.","start":28.769999,"end":30.23,"sentiment":"positive","sentiment_score":0.5575878024101257},{"text":"How are you?","start":30.369999,"end":31.189999,"sentiment":"positive","sentiment_score":0.3509671191374461}],"sentiment":"neutral","sentiment_score":0.3122541871187942,"channel":1,"num_words":14,"start":25.744999,"end":31.189999},{"sentences":[{"text":"Oh, fantastic.","start":32.0,"end":32.66,"sentiment":"positive","sentiment_score":0.4373452961444855},{"text":"Thanks.","start":32.8,"end":33.2,"sentiment":"positive","sentiment_score":0.3852771520614624},{"text":"Yourself?","start":33.2,"end":33.7,"sentiment":"neutral","sentiment_score":0.2432049810886383}],"sentiment":"positive","sentiment_score":0.3757931813597679,"channel":0,"num_words":4,"start":32.0,"end":33.7},{"sentences":[{"text":"Yeah.","start":34.129997,"end":34.53,"sentiment":"neutral","sentiment_score":0.1914946734905243},{"text":"Very well.","start":34.53,"end":35.17,"sentiment":"neutral","sentiment_score":0.3172461539506912},{"text":"Thank you.","start":35.17,"end":35.91,"sentiment":"positive","sentiment_score":0.3815379738807678},{"text":"Now just before I can continue for you today, I do just have to let you know that the call is recorded for quality and coaching purposes.","start":36.37,"end":41.73,"sentiment":"neutral","sentiment_score":0.03833760928224634},{"text":"Are you okay with that one?","start":41.73,"end":42.975,"sentiment":"neutral","sentiment_score":0.05225305880109469}],"sentiment":"neutral","sentiment_score":0.07730780875212268,"channel":1,"num_words":38,"start":34.129997,"end":42.975},{"sentences":[{"text":"Per usual.","start":43.495,"end":44.055,"sentiment":"neutral","sentiment_score":0.09357717633247375},{"text":"Yep.","start":44.055,"end":44.555,"sentiment":"neutral","sentiment_score":0.15586695075035095}],"sentiment":"neutral","sentiment_score":0.11434043447176616,"channel":0,"num_words":3,"start":43.495,"end":44.555},{"sentences":[{"text":"Lovely.","start":44.894997,"end":45.394997,"sentiment":"neutral","sentiment_score":0.32185128331184387},{"text":"And I've got a client password on file for you as well.","start":45.614998,"end":47.535,"sentiment":"neutral","sentiment_score":0.1180400134374698},{"text":"Do you know what that one is?","start":47.535,"end":48.754997,"sentiment":"neutral","sentiment_score":0.024855898959296092}],"sentiment":"neutral","sentiment_score":0.09561613686382771,"channel":1,"num_words":20,"start":44.894997,"end":48.754997},{"sentences":[{"text":"Sorry?","start":49.415,"end":49.915,"sentiment":"neutral","sentiment_score":-0.016630515456199646},{"text":"O, Jock.","start":49.975,"end":52.475,"sentiment":"neutral","sentiment_score":-0.011519252322614193}],"sentiment":"neutral","sentiment_score":-0.013223006700476011,"channel":0,"num_words":3,"start":49.415,"end":52.475},{"sentences":[{"text":"Well, I've got a different one.","start":53.614998,"end":54.99,"sentiment":"neutral","sentiment_score":-0.03615254598359267}],"sentiment":"neutral","sentiment_score":-0.03615254598359267,"channel":1,"num_words":6,"start":53.614998,"end":54.99},{"sentences":[{"text":"Can you give me a hint of my grandmother?","start":58.649998,"end":60.51,"sentiment":"neutral","sentiment_score":-0.021288972968856495}],"sentiment":"neutral","sentiment_score":-0.021288972968856495,"channel":0,"num_words":9,"start":58.649998,"end":60.51},{"sentences":[{"text":"Yeah.","start":60.350002,"end":60.75,"sentiment":"neutral","sentiment_score":-0.006858861073851585},{"text":"I've got grandmother.","start":60.75,"end":61.57,"sentiment":"neutral","sentiment_score":-0.004676375848551591},{"text":"Yep.","start":61.63,"end":62.13,"sentiment":"neutral","sentiment_score":0.02476860210299492}],"sentiment":"neutral","sentiment_score":0.000776122696697712,"channel":1,"num_words":5,"start":60.350002,"end":62.13},{"sentences":[{"text":"Will","start":62.89,"end":63.39,"sentiment":"neutral","sentiment_score":0.054721321910619736}],"sentiment":"neutral","sentiment_score":0.054721321910619736,"channel":0,"num_words":1,"start":62.89,"end":63.39},{"sentences":[{"text":"Yeah.","start":63.870003,"end":64.19,"sentiment":"neutral","sentiment_score":0.07977917790412903},{"text":"Awesome.","start":64.19,"end":64.590004,"sentiment":"neutral","sentiment_score":0.2588554620742798},{"text":"Thank you for that one.","start":64.590004,"end":65.39,"sentiment":"neutral","sentiment_score":0.3330485463142395},{"text":"Alrighty.","start":65.39,"end":65.71,"sentiment":"neutral","sentiment_score":0.07554888725280762},{"text":"I'm gonna pop you on a brief hold, and I'll see if Carl's still available.","start":65.71,"end":68.37,"sentiment":"neutral","sentiment_score":0.04785323850810528}],"sentiment":"neutral","sentiment_score":0.12161847114886927,"channel":1,"num_words":23,"start":63.870003,"end":68.37},{"sentences":[{"text":"we?","start":68.49,"end":68.81,"sentiment":"neutral","sentiment_score":0.031074078753590584},{"text":"Cool.","start":68.81,"end":69.13,"sentiment":"neutral","sentiment_score":0.11439302563667296},{"text":"Thanks.","start":69.13,"end":69.615,"sentiment":"neutral","sentiment_score":0.16171666979789734}],"sentiment":"neutral","sentiment_score":0.10239459139605363,"channel":0,"num_words":3,"start":68.49,"end":69.615},{"sentences":[{"text":"Alrighty.","start":69.47,"end":69.950005,"sentiment":"neutral","sentiment_score":0.12741725146770477},{"text":"Thank you.","start":69.950005,"end":70.69,"sentiment":"neutral","sentiment_score":0.20728495717048645}],"sentiment":"neutral","sentiment_score":0.18066238860289255,"channel":1,"num_words":3,"start":69.47,"end":70.69},{"sentences":[{"text":"Bye.","start":71.055,"end":71.555,"sentiment":"neutral","sentiment_score":0.10948330163955688}],"sentiment":"neutral","sentiment_score":0.10948330163955688,"channel":0,"num_words":1,"start":71.055,"end":71.555},{"sentences":[{"text":"Welcome to Oakview Financial.","start":76.845,"end":78.785,"sentiment":"neutral","sentiment_score":0.19686903804540634},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":79.325,"end":88.36,"sentiment":"neutral","sentiment_score":0.2719482203776186},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":88.74,"end":99.56,"sentiment":"neutral","sentiment_score":0.32671673882466096},{"text":"We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals when we return to your call.","start":100.355,"end":108.455,"sentiment":"positive","sentiment_score":0.4621059154310534},{"text":"Afternoon, Christopher.","start":109.235,"end":110.195,"sentiment":"neutral","sentiment_score":0.10867846757173538}],"sentiment":"positive","sentiment_score":0.35067779439337116,"channel":1,"num_words":85,"start":76.845,"end":110.195},{"sentences":[{"text":"Thanks for returning my call there.","start":110.195,"end":111.815,"sentiment":"neutral","sentiment_score":0.2875671113530795}],"sentiment":"neutral","sentiment_score":0.2875671113530795,"channel":1,"num_words":6,"start":110.195,"end":111.815},{"sentences":[{"text":"Sir, what?","start":112.445,"end":112.925,"sentiment":"neutral","sentiment_score":0.06358671933412552},{"text":"How are you?","start":112.925,"end":113.744995,"sentiment":"neutral","sentiment_score":0.08943300197521846}],"sentiment":"neutral","sentiment_score":0.07909448891878128,"channel":0,"num_words":5,"start":112.445,"end":113.744995},{"sentences":[{"text":"Yeah.","start":113.950005,"end":114.19,"sentiment":"neutral","sentiment_score":0.08795388042926788},{"text":"Not bad.","start":114.19,"end":114.590004,"sentiment":"neutral","sentiment_score":0.14426172524690628},{"text":"How are you going?","start":114.590004,"end":115.49,"sentiment":"neutral","sentiment_score":0.13667606189846992}],"sentiment":"neutral","sentiment_score":0.13188308264528,"channel":1,"num_words":7,"start":113.950005,"end":115.49},{"sentences":[{"text":"Good.","start":115.71,"end":115.95,"sentiment":"neutral","sentiment_score":0.2656939625740051},{"text":"Thanks.","start":115.95,"end":116.270004,"sentiment":"neutral","sentiment_score":0.28697407245635986},{"text":"I'm just gonna start the car so you won't switch on the Bluetooth.","start":116.270004,"end":119.01,"sentiment":"neutral","sentiment_score":0.11683500042328468},{"text":"Any minute.","start":119.39,"end":120.13,"sentiment":"neutral","sentiment_score":0.047401707619428635}],"sentiment":"neutral","sentiment_score":0.1274309679865837,"channel":0,"num_words":17,"start":115.71,"end":120.13},{"sentences":[{"text":"No problem.","start":120.75,"end":121.49,"sentiment":"neutral","sentiment_score":0.04248918034136295},{"text":"But, yeah, the reason I was calling there, Christopher, was just in regards to your insurances if you remember our brief con conversation end of last year.","start":122.270004,"end":130.255,"sentiment":"neutral","sentiment_score":-0.02107090530572114}],"sentiment":"neutral","sentiment_score":-0.016687451123163617,"channel":1,"num_words":29,"start":120.75,"end":130.255},{"sentences":[{"text":"Yep.","start":134.675,"end":135.175,"sentiment":"neutral","sentiment_score":-0.005545022897422314},{"text":"I had insurances.","start":136.755,"end":137.655,"sentiment":"neutral","sentiment_score":-0.02072464767843485}],"sentiment":"neutral","sentiment_score":-0.016929741483181715,"channel":0,"num_words":4,"start":134.675,"end":137.655},{"sentences":[{"text":"Yep.","start":138.475,"end":138.87,"sentiment":"neutral","sentiment_score":0.05397382378578186},{"text":"So I know, like do you remember our conversation sort of end of last year before the Christmas bake around insurances and the increase that you're looking 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all.","start":465.465,"end":465.705,"sentiment":"positive","sentiment_score":0.4411582946777344},{"text":"So if you're if you're happy retaining that, that's more than fine.","start":465.705,"end":468.685,"sentiment":"positive","sentiment_score":0.45774395763874054},{"text":"Then we can just look at just doing an update in regards to your shooper investments.","start":469.73,"end":474.05,"sentiment":"neutral","sentiment_score":0.15670271357521415},{"text":"I know we're just reviewing those with that as well.","start":474.05,"end":478.15,"sentiment":"neutral","sentiment_score":0.09838562812656164},{"text":"And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment.","start":478.61002,"end":483.49503,"sentiment":"neutral","sentiment_score":0.05289381054108557}],"sentiment":"neutral","sentiment_score":0.1759190701894344,"channel":1,"num_words":63,"start":465.465,"end":483.49503},{"sentences":[{"text":"I don't know if you 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invested","start":697.575,"end":698.395,"sentiment":"neutral","sentiment_score":0.01806247141212225}],"sentiment":"neutral","sentiment_score":0.01806247141212225,"channel":0,"num_words":2,"start":697.575,"end":698.395},{"sentences":[{"text":"at the moment, a lot of the ones","start":699.315,"end":701.875,"sentiment":"neutral","sentiment_score":0.03141897195018828}],"sentiment":"neutral","sentiment_score":0.03141897195018828,"channel":1,"num_words":8,"start":699.315,"end":701.875},{"sentences":[{"text":"in.","start":701.735,"end":702.235,"sentiment":"neutral","sentiment_score":0.020281605422496796}],"sentiment":"neutral","sentiment_score":0.020281605422496796,"channel":0,"num_words":1,"start":701.735,"end":702.235},{"sentences":[{"text":"with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past,","start":701.875,"end":708.935,"sentiment":"neutral","sentiment_score":0.09193723201751709}],"sentiment":"neutral","sentiment_score":0.09193723201751709,"channel":1,"num_words":25,"start":701.875,"end":708.935},{"sentences":[{"text":"Yep.","start":708.695,"end":709.195,"sentiment":"neutral","sentiment_score":0.021812906488776207}],"sentiment":"neutral","sentiment_score":0.021812906488776207,"channel":0,"num_words":1,"start":708.695,"end":709.195},{"sentences":[{"text":"you know, two years with everything that was happening.","start":708.995,"end":712.56,"sentiment":"neutral","sentiment_score":-0.024162352085113525},{"text":"Now a lot of that as well, the active managed funds with everything that's happening in the world, they've been struggling a little bit.","start":712.86,"end":719.58,"sentiment":"neutral","sentiment_score":-0.1610695825268825},{"text":"A lot of them, like, haven't been outperforming the market, so we could look to just do a more of an index, which is lower cost as well.","start":719.58,"end":726.305,"sentiment":"neutral","sentiment_score":-0.07829392967479569},{"text":"It costs you less to invest in those funds than it does to have the active managed funds.","start":726.305,"end":730.805,"sentiment":"neutral","sentiment_score":0.10180546860727999},{"text":"And then you just sort","start":730.945,"end":731.825,"sentiment":"neutral","sentiment_score":0.03960603028535843}],"sentiment":"neutral","sentiment_score":-0.05053372135651963,"channel":1,"num_words":84,"start":708.995,"end":731.825},{"sentences":[{"text":"Yep.","start":731.60504,"end":732.10504,"sentiment":"neutral","sentiment_score":0.06394004821777344}],"sentiment":"neutral","sentiment_score":0.06394004821777344,"channel":0,"num_words":1,"start":731.60504,"end":732.10504},{"sentences":[{"text":"of follow what the the markets are doing a bit more closely.","start":731.825,"end":734.305,"sentiment":"neutral","sentiment_score":0.06557727015266816},{"text":"So that's like that S and P 500, which is a core of your portfolio, that's like an indexed investment where it tracks the top","start":734.305,"end":740.35,"sentiment":"neutral","sentiment_score":0.09780358016490937}],"sentiment":"neutral","sentiment_score":0.08735180394472303,"channel":1,"num_words":37,"start":731.825,"end":740.35},{"sentences":[{"text":"Yes.","start":740.325,"end":740.825,"sentiment":"neutral","sentiment_score":0.07312279939651489}],"sentiment":"neutral","sentiment_score":0.07312279939651489,"channel":0,"num_words":1,"start":740.325,"end":740.825},{"sentences":[{"text":"500 companies in America.","start":740.35,"end":741.97,"sentiment":"neutral","sentiment_score":0.06059572286903858},{"text":"Now it is still fluid in the sense that if a company falls out of that top 500, it falls out of, like, the investment holding that you hold.","start":742.02997,"end":748.05,"sentiment":"neutral","sentiment_score":-0.05368413288017799},{"text":"But it's","start":748.19,"end":748.82996,"sentiment":"neutral","sentiment_score":-0.022893364541232586}],"sentiment":"neutral","sentiment_score":-0.03886410546089922,"channel":1,"num_words":35,"start":740.35,"end":748.82996},{"sentences":[{"text":"Yeah.","start":748.7,"end":749.2,"sentiment":"neutral","sentiment_score":-0.046974167227745056}],"sentiment":"neutral","sentiment_score":-0.046974167227745056,"channel":0,"num_words":1,"start":748.7,"end":749.2},{"sentences":[{"text":"less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas.","start":748.82996,"end":757.325,"sentiment":"neutral","sentiment_score":-0.030281566207607587}],"sentiment":"neutral","sentiment_score":-0.030281566207607587,"channel":1,"num_words":30,"start":748.82996,"end":757.325},{"sentences":[{"text":"Yeah.","start":759.045,"end":759.285,"sentiment":"neutral","sentiment_score":0.08607806265354156},{"text":"I think it'd be good to have a bit of a portion in index funds.","start":759.285,"end":762.965,"sentiment":"neutral","sentiment_score":0.20421767632166546},{"text":"I think what's still about 4% four and a half percent a a year growth.","start":762.965,"end":767.785,"sentiment":"neutral","sentiment_score":0.16796893179416655},{"text":"It's not much, but it's it's consistent.","start":767.845,"end":769.625,"sentiment":"neutral","sentiment_score":0.08124247725520815}],"sentiment":"neutral","sentiment_score":0.16414669803098628,"channel":0,"num_words":38,"start":759.045,"end":769.625},{"sentences":[{"text":"So you wanna look at keeping a bit more of an active management like, at least some portion of active in that?","start":771.56,"end":777.1,"sentiment":"neutral","sentiment_score":0.10611439606344159}],"sentiment":"neutral","sentiment_score":0.10611439606344159,"channel":1,"num_words":22,"start":771.56,"end":777.1},{"sentences":[{"text":"Yeah.","start":778.34,"end":778.82,"sentiment":"neutral","sentiment_score":-0.17675457894802094},{"text":"I'd probably call that more dissensus if anything gone into an index index fund.","start":778.82,"end":784.2,"sentiment":"negative","sentiment_score":-0.47150577179023195}],"sentiment":"negative","sentiment_score":-0.4518556922674179,"channel":0,"num_words":15,"start":778.34,"end":784.2},{"sentences":[{"text":"Yep.","start":785.33496,"end":785.65497,"sentiment":"neutral","sentiment_score":-0.11363485455513},{"text":"No.","start":785.65497,"end":786.15497,"sentiment":"neutral","sentiment_score":-0.20531857013702393},{"text":"We can look at that and just, like, looking to be solely sort of index.","start":786.535,"end":789.735,"sentiment":"neutral","sentiment_score":-0.12395925223827362},{"text":"It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper.","start":789.735,"end":796.72003,"sentiment":"neutral","sentiment_score":-0.012792567963953371}],"sentiment":"neutral","sentiment_score":-0.05735776234756817,"channel":1,"num_words":44,"start":785.33496,"end":796.72003},{"sentences":[{"text":"Okay.","start":797.615,"end":798.115,"sentiment":"neutral","sentiment_score":0.10898222774267197}],"sentiment":"neutral","sentiment_score":0.10898222774267197,"channel":0,"num_words":1,"start":797.615,"end":798.115},{"sentences":[{"text":"And that will be, like, a direct savings even if it performs at the same level or better.","start":798.38,"end":803.18,"sentiment":"neutral","sentiment_score":0.17296178514758745},{"text":"Like, if it performs better, you double win because it costs less you're performing better, which it has sort of for the past, like, at least year and a half just given the way that the markets have been traveling.","start":803.18,"end":813.045,"sentiment":"positive","sentiment_score":0.4434354845434427}],"sentiment":"positive","sentiment_score":0.35949537093783246,"channel":1,"num_words":58,"start":798.38,"end":813.045},{"sentences":[{"text":"Yeah.","start":814.14996,"end":814.64996,"sentiment":"neutral","sentiment_score":0.03497175872325897}],"sentiment":"neutral","sentiment_score":0.03497175872325897,"channel":0,"num_words":1,"start":814.14996,"end":814.64996},{"sentences":[{"text":"And then, like, things like even the tech industries, like, over the past few months has taken a real big hit.","start":814.705,"end":819.185,"sentiment":"neutral","sentiment_score":-0.283459768231426},{"text":"It was over overinflated a little bit then.","start":819.185,"end":822.2,"sentiment":"negative","sentiment_score":-0.5314311683177948},{"text":"It's sort of taken that backwards step.","start":822.2,"end":824.14,"sentiment":"negative","sentiment_score":-0.3948157642568861},{"text":"But, yeah, we can definitely look at a more indexed approach that's a bit cheaper and then hopefully get you those nice returns in conjunction with that as well.","start":824.60004,"end":831.66003,"sentiment":"positive","sentiment_score":0.43371792034856205}],"sentiment":"neutral","sentiment_score":-0.005999925216803184,"channel":1,"num_words":65,"start":814.705,"end":831.66003},{"sentences":[{"text":"Probably last question is, when over in The States, they have, like, tax free bonds and all that.","start":833.33,"end":838.61,"sentiment":"neutral","sentiment_score":0.029115236985186737},{"text":"Do we do anything similar over in Australia?","start":838.61,"end":841.91,"sentiment":"neutral","sentiment_score":0.02812898065894842}],"sentiment":"neutral","sentiment_score":0.028811773500190332,"channel":0,"num_words":26,"start":833.33,"end":841.91},{"sentences":[{"text":"So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that.","start":843.175,"end":850.07996,"sentiment":"neutral","sentiment_score":0.1095563826772074},{"text":"You can set them up for yourself, for children.","start":850.3,"end":852.06,"sentiment":"neutral","sentiment_score":0.25778871609105003},{"text":"You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of 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the company holds much like super like, you they have a trustee that owns it and you're the beneficiary of it.","start":858.77997,"end":866.705,"sentiment":"neutral","sentiment_score":0.12062812320612094},{"text":"That's the same as sort of those investment bonds where the company actually owns the bond, but you're the beneficiary of it.","start":866.705,"end":873.27,"sentiment":"neutral","sentiment_score":0.11226484789089723},{"text":"So you pay the company's tax rate, but then they also have a lot of relationships with the investments that they they hold within those funds, which 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the","start":1104.4349,"end":1105.1549,"sentiment":"neutral","sentiment_score":0.16836397908627987}],"sentiment":"neutral","sentiment_score":0.16836397908627987,"channel":1,"num_words":4,"start":1104.4349,"end":1105.1549},{"sentences":[{"text":"Alright.","start":1105.245,"end":1105.745,"sentiment":"neutral","sentiment_score":0.16563983261585236}],"sentiment":"neutral","sentiment_score":0.16563983261585236,"channel":0,"num_words":1,"start":1105.245,"end":1105.745},{"sentences":[{"text":"once that sort of if it does come available on the fund, I'm more than happy to sorta facilitate that trade for you as well if that's something you did want.","start":1105.315,"end":1112.2949,"sentiment":"positive","sentiment_score":0.39079692094556745},{"text":"But I doubt that Cerberus one's available in it at the 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risky.","start":1181.62,"end":1188.6749,"sentiment":"neutral","sentiment_score":0.030216852502365197},{"text":"It just means that you have more in the defensive portion as a waiting, so it just shifts things around a little bit there as well.","start":1188.6749,"end":1195.815,"sentiment":"neutral","sentiment_score":0.037542532126490884}],"sentiment":"neutral","sentiment_score":0.024667541076848796,"channel":1,"num_words":91,"start":1170.8251,"end":1195.815},{"sentences":[{"text":"It's not like","start":1196.195,"end":1196.755,"sentiment":"neutral","sentiment_score":-0.11858912060658137}],"sentiment":"neutral","sentiment_score":-0.11858912060658137,"channel":1,"num_words":3,"start":1196.195,"end":1196.755},{"sentences":[{"text":"Okay.","start":1196.725,"end":1197.225,"sentiment":"neutral","sentiment_score":-0.13769292831420898}],"sentiment":"neutral","sentiment_score":-0.13769292831420898,"channel":0,"num_words":1,"start":1196.725,"end":1197.225},{"sentences":[{"text":"it changes the 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shares, property, those sort of things, and fixed interest gold.","start":1256.485,"end":1263.86,"sentiment":"neutral","sentiment_score":0.020692435869326193},{"text":"It's just the weightings that differ.","start":1263.86,"end":1265.46,"sentiment":"neutral","sentiment_score":0.0037036888922254243},{"text":"And then they're a lot more sort of, you know, technical in their approach because it's literally just the markets and how they grow and how the companies are growing that dictates what's in there.","start":1265.46,"end":1276.36,"sentiment":"neutral","sentiment_score":0.009933482642684665}],"sentiment":"neutral","sentiment_score":-0.00503372032271356,"channel":1,"num_words":98,"start":1248.1649,"end":1276.36},{"sentences":[{"text":"Yep.","start":1277.2101,"end":1277.7101,"sentiment":"neutral","sentiment_score":0.04463666677474976},{"text":"Oh, actually, while I've got you, can you see if my current employer is making 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able to know exact because the the last one before is the eleventh of the eighth for, MODIS projects.","start":1343.875,"end":1350.59,"sentiment":"neutral","sentiment_score":-0.031095132417976856},{"text":"And then, 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the checks.","start":1432.45,"end":1435.83,"sentiment":"neutral","sentiment_score":-0.0020788457865516343},{"text":"But","start":1436.77,"end":1437.01,"sentiment":"neutral","sentiment_score":0.03008381649851799}],"sentiment":"neutral","sentiment_score":-0.00006867939373478293,"channel":1,"num_words":16,"start":1432.45,"end":1437.01},{"sentences":[{"text":"Cool.","start":1436.885,"end":1437.385,"sentiment":"neutral","sentiment_score":0.039395369589328766}],"sentiment":"neutral","sentiment_score":0.039395369589328766,"channel":0,"num_words":1,"start":1436.885,"end":1437.385},{"sentences":[{"text":"we we don't, like, check specific amounts against, like, income and things like that as 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make it a little bit easier.","start":1491.3201,"end":1492.9401,"sentiment":"positive","sentiment_score":0.4490368366241455},{"text":"Perfect.","start":1494.68,"end":1495.18,"sentiment":"neutral","sentiment_score":0.3037789463996887},{"text":"Yeah.","start":1495.725,"end":1495.965,"sentiment":"neutral","sentiment_score":0.19285522401332855},{"text":"I'll send that in an email just after I get off the phone here.","start":1495.965,"end":1498.445,"sentiment":"neutral","sentiment_score":0.1350280030497483},{"text":"But anything else while you've got me there, Kristin?","start":1498.445,"end":1500.625,"sentiment":"neutral","sentiment_score":0.0875527991188897}],"sentiment":"neutral","sentiment_score":0.19744560192339122,"channel":1,"num_words":32,"start":1491.3201,"end":1500.625},{"sentences":[{"text":"No.","start":1501.3949,"end":1501.715,"sentiment":"neutral","sentiment_score":-0.08846384286880493},{"text":"You've been fantastic, so I'll leave it at 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yourself.","start":1510.9299,"end":1515.27,"sentiment":"positive","sentiment_score":0.4261552829008836}],"sentiment":"positive","sentiment_score":0.3403239096914019,"channel":1,"num_words":35,"start":1505.245,"end":1515.27},{"sentences":[{"text":"Either you","start":1516.0908,"end":1516.7509,"sentiment":"neutral","sentiment_score":0.10255220904946327}],"sentiment":"neutral","sentiment_score":0.10255220904946327,"channel":0,"num_words":2,"start":1516.0908,"end":1516.7509},{"sentences":[{"text":"That's good.","start":1517.25,"end":1517.8099,"sentiment":"positive","sentiment_score":0.5596817433834076},{"text":"Thanks, mate.","start":1517.8099,"end":1518.37,"sentiment":"positive","sentiment_score":0.7633364498615265},{"text":"Bye.","start":1518.37,"end":1518.87,"sentiment":"positive","sentiment_score":0.37906455993652344}],"sentiment":"positive","sentiment_score":0.6050201892852783,"channel":1,"num_words":5,"start":1517.25,"end":1518.87},{"sentences":[{"text":"take.","start":1520.0109,"end":1520.2609,"sentiment":"neutral","sentiment_score":0.2808433175086975},{"text":"Bye.","start":1520.2609,"end":1520.7609,"sentiment":"neutral","sentiment_score":-0.1104506254196167}],"sentiment":"neutral","sentiment_score":0.0851963460445404,"channel":0,"num_words":2,"start":1520.0109,"end":1520.7609}]},"summary":{"result":"success","short":"A customer named Christopher calls Oakview Financial and is given a password to navigate their system. Chris discusses his current income and coverage, including his insurances and medical conditions. The agent suggests rewriting his policy to remove exclusions and highlights the benefits of his coverage. They discuss the importance of finding a manager risk and investing in growth assets. The conversation ends with the speaker offering to send an investment update in a few weeks."},"intents":{"segments":[{"text":"My name is Chris. I believe I had Kyle try and reach me. Yeah. Of course. Let me just quickly jump in and have a look. I won't be two seconds. It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I No stress. navigate around properly. Yep.","start_word":12,"end_word":70,"intents":[{"intent":"Manage callers efficiently","confidence_score":0.0000014583684}]},{"text":"The the recency of that though, they're they're gonna look at probably applying a neck exclusion to a policy that is underwritten again.","start_word":448,"end_word":470,"intents":[{"intent":"Apply neck exclusion to policy","confidence_score":0.026551748}]},{"text":"the portion different because, obviously, you don't have the NEC exclusion on the current income protection cover policy there just due to the recency of it. So we wanna retain that, and then we can just look to top up the remaining, like, 4,000 on a different policy just to Yep.","start_word":754,"end_word":804,"intents":[{"intent":"Analyze policy options","confidence_score":0.00071471906}]},{"text":"We can look at doing the 15% increase within line with the policy, but it has to be within thirty days of the annual review, like, the review of the policy, which is the seventh, like, month. Sorry.","start_word":1102,"end_word":1139,"intents":[{"intent":"Review policy progress","confidence_score":0.019452538}]},{"text":"And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment.","start_word":1428,"end_word":1450,"intents":[{"intent":"Update advice and address concerns","confidence_score":0.00008369565},{"intent":"Provide update on investment and recommendations","confidence_score":0.00013384175},{"intent":"Provide update on investment and provide information on current insurances","confidence_score":0.0000017228344}]},{"text":"So the the options there with that as well, we can obviously look to replace that with an active managed portion to look at the same sort of thing trying to have perform the market and having a little bit of that manager risk there as well or looking at potentially just removing the active portion for a little bit there as well.","start_word":1864,"end_word":1926,"intents":[{"intent":"Replace active managed fund","confidence_score":0.17810771},{"intent":"Remove active portion","confidence_score":0.010897621}]},{"text":"So when do you wanna book in that update? Because I probably will will that be active from then along and try and reposition it elsewhere. Yeah.","start_word":2012,"end_word":2038,"intents":[{"intent":"Book update","confidence_score":0.28310007}]},{"text":"Do you guys obviously, you'd look after a fair few portfolios. Do you have statistics on your ones that are doing, like, the highest amount of growth?","start_word":2133,"end_word":2159,"intents":[{"intent":"Organize portfolios","confidence_score":0.15869084}]},{"text":"Like like, what their So ratios are? at What the they've invested at the moment, a lot of the ones in. with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past, Yep.","start_word":2161,"end_word":2207,"intents":[{"intent":"Evaluate investment ROI","confidence_score":0.000021010816}]},{"text":"less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas.","start_word":2366,"end_word":2395,"intents":[{"intent":"Focus on markets","confidence_score":0.0031403191}]},{"text":"So you wanna look at keeping a bit more of an active management like, at least some portion of active in that? Yeah.","start_word":2434,"end_word":2456,"intents":[{"intent":"Maintain active management","confidence_score":0.43886176}]},{"text":"We can look at that and just, like, looking to be solely sort of index. It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper.","start_word":2473,"end_word":2514,"intents":[{"intent":"Evaluate cost savings","confidence_score":0.27598837}]},{"text":"So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that. You can set them up for yourself, for children. You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of that. Right. Because Yep.","start_word":2666,"end_word":2726,"intents":[{"intent":"Manage investments and portfolios","confidence_score":0.0000035743665}]},{"text":"So with that and the index investing, that doesn't really hold, like, the, like, direct shares, and we don't, like, normally invest in direct shares as, like, a whole just because of the risky nature of them and things like that within the super. But we can invest in them if they're available, and there are specific ones that you want to be in.","start_word":3244,"end_word":3307,"intents":[{"intent":"Critiques specific investment options","confidence_score":1.17861255e-7},{"intent":"Explains market potential","confidence_score":0.000055943277}]},{"text":"But I doubt that Cerberus one's available in it at the moment. No.","start_word":3490,"end_word":3502,"intents":[{"intent":"Explains cerberus' availability","confidence_score":0.00005669658},{"intent":"Inquires about cerberus' availability","confidence_score":0.006449351}]},{"text":"But if it does get listed on the ASX, generally, it is considered, you know, quite good investment grade quality, and then likelihood of them making it in there if they sort of keep a good track record is a lot higher than something that is just sort of, you know, not performing too great. Yeah.","start_word":3593,"end_word":3648,"intents":[{"intent":"Analyze investment risk","confidence_score":0.03760707}]},{"text":"in the same sort of companies and things like that. They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing.","start_word":3955,"end_word":3987,"intents":[{"intent":"Compare companies and investments","confidence_score":0.0003516636}]},{"text":"in the same sort of companies and things like that. They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing. Whereas that index, like, you're just investing within those growth assets, same sort of shares, property, those sort of things, and fixed interest gold.","start_word":3955,"end_word":4011,"intents":[{"intent":"Log into investments","confidence_score":2.2991117e-8}]},{"text":"Oh, actually, while I've got you, can you see if my current employer is making contributions? Bear with me.","start_word":4053,"end_word":4071,"intents":[{"intent":"Check companies' contributions","confidence_score":0.0013061258}]},{"text":"Gaia wasn't sure if they were contributing or not.","start_word":4317,"end_word":4325,"intents":[{"intent":"Check contributions","confidence_score":0.3200658}]}]},"sentiments":{"segments":[{"text":"Afternoon.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.050539400428533554},{"text":"Thank you for calling Oakview Financial. This is Caden.","start_word":1,"end_word":9,"sentiment":"positive","sentiment_score":0.3717717230319977},{"text":"Hi, Caden. My name is Chris. I believe I had Kyle try and reach me. Yeah. Of course. Let me just quickly jump in and have a look. I won't be two seconds. It's just I've just moved over to a new system, so I do apologize because I've gotta try and make sure I No stress. navigate around properly. Yep. And search for phone number.","start_word":10,"end_word":75,"sentiment":"neutral","sentiment_score":-0.016149505972862244},{"text":"Awesome. Thank you so much, Christopher. How are you? Oh, fantastic. Thanks.","start_word":76,"end_word":87,"sentiment":"positive","sentiment_score":0.4520914852619171},{"text":"Yourself? Yeah. Very well.","start_word":88,"end_word":91,"sentiment":"neutral","sentiment_score":0.25754475593566895},{"text":"Thank you.","start_word":92,"end_word":93,"sentiment":"positive","sentiment_score":0.3746243715286255},{"text":"Now just before I can continue for you today, I do just have to let you know that the call is recorded for quality and coaching purposes. Are you okay with that one? Per usual. Yep. Lovely. And I've got a client password on file for you as well. Do you know what that one is? Sorry? O, Jock. Well, I've got a different one. Can you give me a hint of my grandmother? Yeah. I've got grandmother. Yep. Will Yeah. Awesome. Thank you for that one. Alrighty. I'm gonna pop you on a brief hold, and I'll see if Carl's still available. we? Cool. Thanks. Alrighty. Thank you. Bye. Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start_word":94,"end_word":255,"sentiment":"neutral","sentiment_score":0.12563271820545197},{"text":"We thank you for your patience today and look forward to hearing how we can help you on your journey to reaching your financial goals when we return to your call.","start_word":256,"end_word":286,"sentiment":"positive","sentiment_score":0.45478761196136475},{"text":"Afternoon, Christopher. Thanks for returning my call there. Sir, what? How are you? Yeah. Not bad. How are you going? Good. Thanks. I'm just gonna start the car so you won't switch on the Bluetooth. Any minute. No problem. But, yeah, the reason I was calling there, Christopher, was just in regards to your insurances if you remember our brief con conversation end of last year. Yep. I had insurances. Yep. So I know, like do you remember our conversation sort of end of last year before the Christmas bake around insurances and the increase that you're looking for? Yes. I did. Yep. I do. So the the pre assessment's come back for that one. I don't know if you remember the conversation. I know you just had the the niggle with the the neck there that you're seeing a car o four. Yeah. Yeah. So with that oh, sorry? But since been sorted, like, I don't have that anymore. Yes. The the recency of that though, they're they're gonna look at probably applying a neck exclusion to a policy that is underwritten again. Now the options is, obviously, we can look at doing just a top up until such time that you've know enough time has passed where the condition sort of doesn't mean that it'll be an exclusion, Okay. but they look, Yeah. That's easy. yeah, that Yep. they look kind of rough on things to do with, like, neck, spine, musculoskeletal stuff that, you know, Yeah. spinal exclusions are quite common, especially when you go up to see a chiro. So you'd probably have to do a couple years symptom free before they wouldn't add that exclusion just due to how close it was. Yep. So so with that, we can look at just doing a top up in conjunction with the policy you already have because you already have the 1.4 of life in TPG, which I know you're pretty sorta happy with given that you've only got the the $470,000 mortgage. It was the IP portion because your income's at that $1.70 mark that was the main thing. Well, her income's grown a fair bit as well. Yes. So you're currently on the 170,000 per annum, or has it gone up from that? I'm currently on that, but it will it will continue to go up. So as long as that's sort of covered, that's fine. Yes. Your monthly benefit at the moment, which 70% is like the max you can sort of do at the moment without, like, booster options of your your income. Now Yeah. Okay. on your current Yep. income, that's around $9.09, a little bit over, and you're currently only covered for around the 6,290 as a monthly benefit, so quite a bit below that. Now Yeah. Yeah. the portion different because, obviously, you don't have the NEC exclusion on the current income protection cover policy there just due to the recency of it. So we wanna retain that, and then we can just look to top up the remaining, like, 4,000 on a different policy just to Yep. bridge bridge the gap, and then you'd have that neck exclusion on that. Now if you go a couple years and you don't have any ongoing issues and no other health issues arise, we can look at just rewriting everything down to one policy again. Yep. So you don't have the two. But in the meantime, yeah, because you're gonna end up with that exclusion most likely, then we wanna sort of make sure we keep the one that's there. But in regards to your life and TPD portion, are you happy with the 1,400,000.0? Do you wanna look at topping up that at all, or are you pretty happy with that given your level of debt? Yeah. So it kinda gives me what do you say? Is it it's 1.4 on the dot? Or Yeah. Close enough. It's $1.03 $9.09 $9.05. oh, yeah.","start_word":287,"end_word":948,"sentiment":"neutral","sentiment_score":0.05102994169173284},{"text":"I'm happy with that for now.","start_word":949,"end_word":954,"sentiment":"positive","sentiment_score":0.5059890747070312},{"text":"Yeah. Because that will basically like, if you include your superannuation as well, which you can normally offset, it basically covers your debt, and then you've got, like, a mill afterwards, which is, you know, probably around that seven point five ish years income replacement if anything did go wrong in terms of, like, PPE amount. But then you can also invest that money as well if something were to happen. So you paid any debt, have that invested, and be able to sort of look at drawing that down as an income there as well. Yeah. Yep. Absolutely. Yeah.","start_word":955,"end_word":1054,"sentiment":"neutral","sentiment_score":0.19471415877342224},{"text":"Because, obviously, you know, you're not paying too much for it now, but it will obviously creep up.","start_word":1055,"end_word":1072,"sentiment":"negative","sentiment_score":-0.4092274308204651},{"text":"We can obviously look at reductions in the future as well. Just wanna see where you're at and see if you just wanna look at doing that top up. We can look at doing the 15% increase within line with the policy, but it has to be within thirty days of the annual review, like, the review of the policy, which is the seventh, like, month. Sorry. So twenty eighth to the seventh, we'd Yeah. be able to look at doing that, and then we could look Look. at topping that up a small amount. Okay.","start_word":1073,"end_word":1168,"sentiment":"neutral","sentiment_score":0.05296412855386734},{"text":"I'm pretty happy with the policy as it is, so I probably don't need to bridge that gap for the income protection if it's gonna because I'm assuming two policies obviously means more Yeah.","start_word":1169,"end_word":1202,"sentiment":"positive","sentiment_score":0.36947986483573914},{"text":"You more would be out paying of the account, it would be paying more more. premiums. So if you feel like, yeah, if anything did go wrong, you'd be able to get by on that $6,000 a month sort of monthly benefit. Because, obviously, with that, you're still taxed on that, and whatever amount that is comes down to what income you've earned in that year. But if you wanna work towards being a little bit more self insured, I know you don't have too much debt other than, like, the the car, a little bit of credit card here and there, and then the mortgage. So if you sort of even look at getting ahead a bit more on your mortgage and using that as a bit of a self insurance Yeah.","start_word":1203,"end_word":1335,"sentiment":"neutral","sentiment_score":0.16162292659282684},{"text":"Look. I'm I'm in a pretty good position right now.","start_word":1336,"end_word":1345,"sentiment":"positive","sentiment_score":0.5299550890922546},{"text":"And, yeah, I measure? can definitely live off because I think that'll come down to about 5 or just under 5. So that'll cover the mortgage, you know, few few, yeah, quite easily. So Yep.","start_word":1346,"end_word":1380,"sentiment":"neutral","sentiment_score":0.3176479637622833},{"text":"Not a not a problem awesome. at all. So if you're if you're happy retaining that, that's more than fine.","start_word":1381,"end_word":1400,"sentiment":"positive","sentiment_score":0.46257513761520386},{"text":"Then we can just look at just doing an update in regards to your shooper investments. I know we're just reviewing those with that as well. And then from there, we'll basically just give you an updated advice piece on what we're sort of looking at in the investment. I don't know if you got the the newsletter with the the Benelong. It did take a bit of a backward step, which is partially the reason we're reviewing as well. And then with that, we'll just give you an update on that and provide an advice document for them. We'll just look Okay. to Cool. retain your current insurances. Not a problem at all. Do you have any questions for me in regards to anything at all while you've got me there? No. Not really. Actually, I was wondering when you guys were gonna get back to me. So Do do apologize. Yeah. So insurances took a little bit, and then we also changed systems, like, at the the start of the year. So it's been moving everyone over to that and try not to lose everything in the meantime as well. So it's been a bit of a a madhouse for the the last few Yeah. weeks. I do apologize for that. No. No. It's all good. No no stress on my end.","start_word":1401,"end_word":1624,"sentiment":"neutral","sentiment_score":0.01351888315652364},{"text":"Cool. Nice.","start_word":1625,"end_word":1626,"sentiment":"positive","sentiment_score":0.4504886567592621},{"text":"Yeah, looking forward to kind of just, yeah, have a look at that portfolio. And I think I'm in pretty much all high risk at the moment or, like, majority of it. So you're in a high growth portfolio. So with that, it's about a ninety ten split and it's 90% growth asset It's about 10% offensive. Now within regards to that as well, you do have an active portion of that, which is that Benelon. I'll just log in quickly because it's just logged me out. And which is the one that got back like, went backwards. So it had an underlying investment called corporate traveler, and they got suspended on the ASX because they weren't reporting correctly and they got done for it, basically, which was like a key holding in that Benelung Fund, which like, it Yep. wasn't Australian Equities, which is like, it's Australian Equities Fund that were performing badly. It was literally solely because of that announcement with that underlying investment. Now Yep. don't get me wrong. Benelung hasn't been performing to the point where you'd want it to for an actively managed fund anyway for the past couple of years. Like, it hasn't been going backwards, obviously, but it hasn't exactly, for the cost you pay, been getting the returns you'd you'd want out of someone that's meant to be trying to outperform the market, if that makes sense. Yeah. Yep. So the the options there with that as well, we can obviously look to replace that with an active managed portion to look at the same sort of thing trying to have perform the market and having a little bit of that manager risk there as well or looking at potentially just removing the active portion for a little bit there as well. Now with your account, it's for the past twelve months, it sort of with what happened in, you know, early start of the year with Trump and his tariff talks and then that Benelon thing hasn't done too much over the past, like, six months. It's it's had a bit stagnant. But since you've been on board, it's still ticking up nicely in terms of, like, your total returns over those few years. But, yeah, we obviously wanna do a bit of an update. Yeah. So when do you wanna book in that update? Because I probably will will that be active from then along and try and reposition it elsewhere. Yeah. Exact so we'll still do that now. Like, that's why I was calling just the insurance Oh, so side of you that. you guys So we're, already do that? Yep. yeah, Cool. we're still doing that in the background as well.","start_word":1627,"end_word":2079,"sentiment":"neutral","sentiment_score":0.002495384444102283},{"text":"And then we'll get that together for you, and then we'll get you booked in for that as well.","start_word":2080,"end_word":2098,"sentiment":"positive","sentiment_score":0.38202792406082153},{"text":"I can even sort of calendar's pretty full at the moment, but even, like, a couple weeks from now, even, like, Thursday, the twenty sixth maybe, get you booked in to Yep. present that. Do you guys obviously, you'd look after a fair few portfolios. Do you have statistics on your ones that are doing, like, the highest amount of growth? Like like, what their So ratios are? at What the they've invested at the moment, a lot of the ones in. with key holdings and, like, the heavy metals have been performing the best purely because of how gold and silver things traveled over the past, Yep. you know, two years with everything that was happening. Now a lot of that as well, the active managed funds with everything that's happening in the world, they've been struggling a little bit. A lot of them, like, haven't been outperforming the market, so we could look to just do a more of an index, which is lower cost as well. It costs you less to invest in those funds than it does to have the active managed funds. And then you just sort Yep. of follow what the the markets are doing a bit more closely. So that's like that S and P 500, which is a core of your portfolio, that's like an indexed investment where it tracks the top Yes. 500 companies in America. Now it is still fluid in the sense that if a company falls out of that top 500, it falls out of, like, the investment holding that you hold. But it's Yeah. less of, like, picking winners, and it's more of just, like, focusing on what the markets and industries that you're investing in are doing and then focusing on those areas. Yeah. I think it'd be good to have a bit of a portion in index funds. I think what's still about 4% four and a half percent a a year growth. It's not much, but it's it's consistent. So you wanna look at keeping a bit more of an active management like, at least some portion of active in that? Yeah.","start_word":2099,"end_word":2456,"sentiment":"neutral","sentiment_score":0.04863513437979048},{"text":"I'd probably call that more dissensus if anything gone into an index index fund.","start_word":2457,"end_word":2470,"sentiment":"negative","sentiment_score":-0.46421346068382263},{"text":"Yep. No. We can look at that and just, like, looking to be solely sort of index. It does like, it passes, like, the cost savings of investing onto your, like, your fund and the cost of, like, being invested because it is cheaper. Okay. And that will be, like, a direct savings even if it performs at the same level or better.","start_word":2471,"end_word":2533,"sentiment":"neutral","sentiment_score":0.009168436750769615},{"text":"Like, if it performs better, you double win because it costs less you're performing better, which it has sort of for the past, like, at least year and a half just given the way that the markets have been traveling.","start_word":2534,"end_word":2573,"sentiment":"positive","sentiment_score":0.4485827684402466},{"text":"Yeah. And then, like, things like even the tech industries, like, over the past few months has taken a real big hit.","start_word":2574,"end_word":2595,"sentiment":"neutral","sentiment_score":-0.250686913728714},{"text":"It was over overinflated a little bit then. It's sort of taken that backwards step.","start_word":2596,"end_word":2610,"sentiment":"negative","sentiment_score":-0.46357420086860657},{"text":"But, yeah, we can definitely look at a more indexed approach that's a bit cheaper and then hopefully get you those nice returns in conjunction with that as well.","start_word":2611,"end_word":2639,"sentiment":"positive","sentiment_score":0.40792813897132874},{"text":"Probably last question is, when over in The States, they have, like, tax free bonds and all that. Do we do anything similar over in Australia? So we do what's called investment bonds, and they you gotta hold them for, like, ten years to get the tax benefit of that. You can set them up for yourself, for children. You can even switch the beneficiaries of them, but you gotta hold them for, like, the ten years to get the tax benefit of that. Right. Because Yep. the way they work is that the company holds much like super like, you they have a trustee that owns it and you're the beneficiary of it. That's the same as sort of those investment bonds where the company actually owns the bond, but you're the beneficiary of it. So you pay the company's tax rate, but then they also have a lot of relationships with the investments that they they hold within those funds, which lowers Mhmm. the effective tax rate. And then also with that as well, they do a lot of, like, the the buyers and sells that become more tax effective in their trading.","start_word":2640,"end_word":2834,"sentiment":"neutral","sentiment_score":0.14097966253757477},{"text":"So you the effective tax rate of the bond can get much lower than the 30%, and then you can use them the same as any other investment.","start_word":2835,"end_word":2862,"sentiment":"positive","sentiment_score":0.3421204388141632},{"text":"You do regular savings plans, things like that. They do have limits if you stop investing in it. You can't invest anymore unless you'd, like, reach the 120 or not the 120 125% rule there as well. So if you stop contributing, that resets the ten year rule. And then if you contribute over the 125, it also resets that ten year rule.","start_word":2863,"end_word":2925,"sentiment":"neutral","sentiment_score":0.04844638847169422},{"text":"But if as long as you stay in line with that, within your contributions with each financial year, it's golden.","start_word":2926,"end_word":2945,"sentiment":"positive","sentiment_score":0.4853883683681488},{"text":"And then ten years from now, you get a tax free Yeah. Right. So it sounds like something I'd personally just invest in with, like, some liquid rather than using the fund. distribution. So with that one there is yeah. That's like a a more personal investment, like, outside of the superannuation environment. Yeah. They do hold certain ones, like, on the platforms, but it doesn't really sort of make much sense when if you hold your super to the preservation age anyway, it becomes a tax free distribution anyway. Righto. And we can only invest in what's in the ASX, not on the nose decorating? No. There are a bunch of other, you know, foreign exchange listed securities on there. Was there something in particular that that you were looking at investing in? Yeah. So, obviously, you mentioned heavy metals is something I wanna get into, but also the tech side as well. So I've been on and off Ceraburus personally at the moment. I've got a broker who's willing to sell off a portion, of his allotment, because I know they're gonna go through an RPA potentially mid this year, but it's doing pretty well in the secondary market. Yeah. Given that it's hasn't gone to IPO yet and that how, like, new it is, it probably isn't available, like, with on, like, the Hub twenty four platform or any superannuation platform. So that's something you'd have to probably invest in outside of superannuation if that's something Oh, you're no. looking. I mean, so, yeah, more so when it becomes available, if if it does, for you guys, that's something I'd be looking at. And but, yeah, mostly any other tech companies that would have a potential move in the next couple of years. Yep. So with that and the index investing, that doesn't really hold, like, the, like, direct shares, and we don't, like, normally invest in direct shares as, like, a whole just because of the risky nature of them and things like that within the super. But we can invest in them if they're available, and there are specific ones that you want to be in. So with that, you'll still have, like, a tech within your profile, and we can even do a tech, like, index investment there as well and then Okay. have that as a portion of it. As far as any direct equities that you'd want in it and sort of suggest them if they are available, we can chuck them in there if they're within, like, investment grade products. That's, like, less without our advice and just with transaction without advice, so we just do it for you and something that you want. Yeah. Okay. And we can look at a more, like, index sorta tech approach there as well. As I said, it went down a little bit the end of last year and this year, but in saying that it might be the time to buy as well with the dip. I think so too. Yeah. And then if the Alright.","start_word":2946,"end_word":3458,"sentiment":"neutral","sentiment_score":0.12524469510505074},{"text":"once that sort of if it does come available on the fund, I'm more than happy to sorta facilitate that trade for you as well if that's something you did want.","start_word":3459,"end_word":3489,"sentiment":"positive","sentiment_score":0.392631471157074},{"text":"But I doubt that Cerberus one's available in it at the moment.","start_word":3490,"end_word":3501,"sentiment":"negative","sentiment_score":-0.3449060320854187},{"text":"No. It wouldn't be. But it's good to know. Just sort of yeah. Yeah. Well, that's Because all it what there you go. yeah. So they are quite strict on what they're allowed to be invested on in, like, your superannuation funds because, obviously, at the end of the day, it is like people's retirement funds. So even things like crypto and stuff, they're they're not available, and I doubt they'll, like, ever be in the near future available inside superannuation. So they are quite strict on what is available.","start_word":3502,"end_word":3591,"sentiment":"neutral","sentiment_score":-0.16734780371189115},{"text":"But if it does get listed on the ASX, generally, it is considered, you know, quite good investment grade quality, and then likelihood of them making it in there if they sort of keep a good track record is a lot higher than something that is just sort of, you know, not performing too great.","start_word":3592,"end_word":3646,"sentiment":"positive","sentiment_score":0.3644736707210541},{"text":"Yeah. Yeah. I get that. Yeah. I was sort of just yeah. After how high of a risk can win best, but, obviously, that yeah. You pretty much answered my question. Yeah. It's it's not like when I say, like, too, when you're in a high growth, it's not that your investments become any riskier generally. It's the fact that you just have a higher allocation to growth. So even if you went down to, like, an eighty ten split, the the level of, like, assets that you're investing in, they don't become any less risky. It just means that you have more in the defensive portion as a waiting, so it just shifts things around a little bit there as well. It's not like Okay. it changes the whole portfolio to something completely different risk, completely different Alright. level of exposure. Yep. It's just the the weightings that change, and some of the investments obviously do change, but it's more the weightings towards growth versus those defensive assets. And you have your alternatives, which are like your your heavy metals, which get a bit of capital growth, which, you know, can be a growth asset, can be defensive depending on what the market's Yeah. Okay. No. That's that's doing. good. That's never been explained to me because I used to be a bus queue, and they called it high graph high risk. So I just assumed you guys are the same, but that makes a lot more sense, actually. So Yeah. And it's the the same kind of any obviously, like, people have their different investing styles and having the active management is considered more risky, which is why that's it's not exactly the same type of risk. It's more like a management risk and how they perform within that. But they're sort of investing Yeah. in the same sort of companies and things like that. They obviously just make bets against the market and companies and things like that, and they all have their different styles of investing. Whereas that index, like, you're just investing within those growth assets, same sort of shares, property, those sort of things, and fixed interest gold. It's just the weightings that differ. And then they're a lot more sort of, you know, technical in their approach because it's literally just the markets and how they grow and how the companies are growing that dictates what's in there. Yep. Oh, actually, while I've got you, can you see if my current employer is making contributions? Bear with me. I'll just bring it up. It's just loading up there now. So the last one I have in there was the twenty fourth at twelve from Checkpoint Constructions, p t l y d.","start_word":3647,"end_word":4104,"sentiment":"neutral","sentiment_score":0.0025951920301393165},{"text":"Oh, fantastic.","start_word":4105,"end_word":4106,"sentiment":"positive","sentiment_score":0.5025088787078857},{"text":"And It's it seems good to know. like they they looks like they did a bit of a a back payment, so you might have been owed a little bit of super because there's, like, a 400 and then a $1,500 payment. So it looks like they've dumped Alright. all the the owing amounts in there at that time. That that makes sense because, yeah, just one of my coworkers just said to keep an eye on them, but it sounds like he was talking about that period. So it's good to know that they backpaid what they didn't. Yeah. I But wouldn't third exactly of be able to know exact because the the last one before is the eleventh of the eighth for, MODIS projects. And then, yeah, is you've there got anything that too. from Dio Valmont? Yeah. There is one from Belmont as well at the twenty eighth to the seventh for $470. Is that it? So that Okay. was just the last time. Do you want me to do up? I can do this financial year's deposits withdrawal report, and you can have a look what's going in. If you could, please, just, yeah, just try and keep track. Because I've yeah.","start_word":4107,"end_word":4312,"sentiment":"neutral","sentiment_score":0.017804807052016258},{"text":"Motors were good.","start_word":4313,"end_word":4315,"sentiment":"positive","sentiment_score":0.3606829345226288},{"text":"Gaia wasn't sure if they were contributing or not. And Checkpoint, obviously yeah. I still work there, so I know where they live. Yeah. Exactly. Yeah. I'll do from this financial year for you, and then you can just cross reference your payslips and see if they're up to date or not. You might have to have a chat with accounting there. Yeah. Cool. But, generally, like, obviously, if they've missed up to, like, three months, do you guys chase them up? Or No. So that's, like, how many gets between you and your employer and Fair Work if they're not paying you your superannuation there, unfortunately. alright. But do you, like, flag it to customers if you don't see any contributions come through for a bit? During, like, the the annual reviews and things like that before, like, we do those catch ups and things like that, we go in and have a look at your employee contributions Okay. and see if they are going in, and it is part of, like, the checks. But Cool. we we don't, like, check specific amounts against, like, income and things like that as well. Alright. I wouldn't. But, yeah, just obviously keeping it somewhat regular or if at all, because I've heard of, obviously, companies. Guys just don't really check it, and some super funds don't obviously flag it. And then, you know, two or three years down the track when they leave, it's yeah. They haven't had anything put into their account. Yeah. And it does make a difference. So it's generally why we check as well, like, the contributions going in. It sort of becomes a red flag when someone's fully employed, and they've only got, like, $2,000 in in contributions there as well. So and Yeah. I'm just No. having a Just look double here. checking. That that last financial year one, it didn't capture all of them. So I'll just do the last twelve months for contributions there so you can see Yep.","start_word":4316,"end_word":4651,"sentiment":"neutral","sentiment_score":-0.03625950217247009},{"text":"all That'd of be those fantastic. to make it a little bit easier. Perfect.","start_word":4652,"end_word":4665,"sentiment":"positive","sentiment_score":0.48794326186180115},{"text":"Yeah. I'll send that in an email just after I get off the phone here. But anything else while you've got me there, Kristin? No.","start_word":4666,"end_word":4690,"sentiment":"neutral","sentiment_score":0.10986631363630296},{"text":"You've been fantastic, so I'll leave it at that. Brilliant.","start_word":4691,"end_word":4700,"sentiment":"positive","sentiment_score":0.5850667357444763},{"text":"Well, we'll probably touch base in a couple of weeks there anyway. Just you booked in to present that investment update.","start_word":4701,"end_word":4721,"sentiment":"neutral","sentiment_score":0.27911004424095154},{"text":"But otherwise, until then, you enjoy your working there and look after yourself. Either you That's good. Thanks, mate. Bye.","start_word":4722,"end_word":4741,"sentiment":"positive","sentiment_score":0.4491442441940307},{"text":"take. Bye.","start_word":4742,"end_word":4743,"sentiment":"neutral","sentiment_score":0.24390630424022677}],"average":{"sentiment":"neutral","sentiment_score":0.07223109109476152}}}}