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Is now still a good time there for you? No. That's okay. That's not a problem at all. As long as you can hear me okay, I can. It was sort of breaking in and out of it, but it's fairly constant. Now you can hear me alright? Oh, beautiful. How's your day been so far? Yeah. No. That's good. Well, it's hard to take up too much of your time. I know you are extremely busy there. Before I jump into the call, just to let you know we're moving forward, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful. And to see the security, we are discussing your personal information there. So just need to confirm your full name, your date of birth, and address I should have on file. File. Yep. Beautiful. Thank you so much for that. When I had a bit of a look back at your annual review there, you wanted to sort of have a bit of a conversation about what else we can do to sort of help you super moving forward. I can see here that you had quite a good return over the last twelve months there. Is that right? Is there anything else that you sort of wanted me to touch on as part of this call? Yep. Yeah. Yeah. Perfect. Not a problem at all. Just to start with, how much have you been gifted? Okay. Perfect. Now the one of the good things, obviously, to start with, I can give you some general information and general advice looking at the what the options are, and then we can kinda delve a bit deeper into what your goals are. But having a look at that, I mean, putting in the super is a great option if that's what you're wanting to do, if you're wanting this money to grow and continue on. The downside to putting it in the super is that you can't access that until you meet a condition of release or retire. Is there anything else that you might be thinking about utilizing the money for? I can see here with your other medium term goals that you are maybe looking at going to Japan in the next three years, possibly purchasing a property down the track. Is there anything else that you that was coming to your mind as to what you would like to use the funds for? Okay. Yeah. So husband's car needs to be replaced. Is there any chance that you would be wanting to utilize that 30,000 to put towards the new car instead of borrowing it? The higher interest rate? Yeah. That's okay. Not a problem at all. Is there have you sort of thought about putting some into your super, some into his? Is there, you know, maybe an amount you would like to keep back for emergencies or anything like that? Yeah. That's okay. So, realistically, when we look at providing advice, we wanna find out what your goal is with this fund. So have you sort of thought about what you wanna achieve from it? Do you wanna see it growing harder, maybe working towards your retirement, or would you like to have it sitting somewhere so it's maybe kept as a buffer that you can access closer to now if you need it, like, in the shorter term if you do need it. Yeah. So one of the things when we are looking to provide additional advice on what to do with the funds is looking at what your goal is with that money. Are you wanting to and it's probably a good conversation for you to have with your partner. Is it something that we wanna have here? Do we wanna look at getting a loan for the whole amount that we need to purchase the vehicle for knowing that interest rates can be quite high? If you're not looking at buying a new car, then when you look at lending considerations, you may be taking out an unsecured loan, which means that the interest rate can be higher. Did you wanna use some of that money as a bit of a buffer to not have to borrow as much, or is the car you're purchasing within that $30,000, and are you comfortable maybe utilizing all of that and not having a loan? So it's one definite one thing to certainly consider. The other aspect is, are you wanting to utilize that money for something in the next three to five years? If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses. It's very different to how we see super. So with your super at the moment, you're probably taking a little bit more risk in your portfolio. So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments. That's actually not bad for where you're at at the moment because as you get closer to accessing your super, we reevaluate the risk level you're taking and the portfolio that you're in, and we start to reduce those risk levels. But, generally, when we are sort of speaking about investing money in the shorter term, any money that you are wanting to access or utilize for holidays, maybe a car purchase, or anything in the next sort of three odd years, we wouldn't wanna put into the market for the risk of a downturn. Does that make sense? Yeah. So I think the first thing I would probably wanna find out is more what what is it that you're wanting to achieve? What are you wanting to do? I would probably suggest making a bit of a list of what it is that you wanna do over the next sort of one to three years and work out is this money gonna provide you any kinda help in that sort of in that strategy. If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation. Would that help you a little bit, Facilia? Yeah. And then you, Hasslyn, have a bit of a conversation, talk about what it is that you wanna achieve, what you want from this money. If you're looking to invest it and have it growing in an investment profile, absolutely fine. But I wanna also make sure that you do have some additional cash flow to keep putting in because just putting in $30,000 and sort of having it sit there over the next five to ten to twenty years whilst it's gonna provide you some income, you wanna be dollar cost averaging, you're putting more money in that to help it grow as well the same as you do for your sofa. Or is it something that, you know, having and utilizing for the car and not having a loan and saving that amount of interest, is that gonna be better for you? So I can send you some different options on what the things we've talked about and maybe some pros and cons to kinda get the conversation started. And then you can let me know, like, if you want to have a specific goal in mind or if you have something specific you're looking for, and we can kinda go from there. Does that help you a little bit? Yeah. All good. Sounds like you've got this great little bit of money there, which is fantastic, but, you know, what to do with it, all the different things that you could be doing with it and all the things you probably want to do with it, but what's the right option that can be had? Yeah. No. That's perfect. How you're right. Sorry. The phone just cut out. What was that? I'm so sorry. Yes. Yeah. No. Absolutely understand. Not a problem at all. Well, if you like, what I can do is I can start just by giving you a bit of an email there with the options that we've kinda gone through. Obviously, the the size of purchasing a vehicle versus investing the pros and cons, You can have a bit of a chat to your partner, talk about what your options are, talk about what your goals are, what you wanna achieve from this, and then you can always come back to me. You'll have my email address there as well so we can always go through and have a chat about what the options are. Okay? Yeah. No. Not a problem at all. We can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds. Would you like that as well? Yeah. Yeah. Yeah. Yeah. No. Absolutely. That's not a problem at all. Well, I'll start by sending the email. I'll do a bit of a follow-up with you in a couple of weeks. I'll just send you an email and get the team to give you a call and see, you know, if you wanted to pop back in for another conversation, and we can always follow-up and see where you're going with things. But we'll start by just sending the information out to you, giving you a bit of an update on what your pros and cons are, what some of the options might be, and then you can kinda go from there. Have a bit of a conversation to begin with and work out what it is you're actually hoping to achieve or wanting to do with it. Yeah. Perfect. All good. Is there anything else that you kinda wanted me to touch base on while you have me here? Yeah. Sorry, but I think the phone just cut out. Can you hear me okay still? Hello? Yeah. Absolutely. Well, I can definitely look at reviewing that for you at the moment. So having a look, now I did have a look back at your annual review in 2024 when you completed with the team. Your balance then was a $123,007.75 and 44¢ there. When you touched base and had your annual review late last year sorry. I'm just pulling those documents back up for you. The balance then well, the balance as of now, let's go straight to the balance now, is a $151,004.83 and 17¢. So you have had a bit of a growth in there, which is fantastic to see. Having a look at the way you are invested, now as I kinda went through before, you are in a growth portfolio. So you do see about 80% of your funds investing growth investments, the things like international shares, listed shares, commodities, and also listed property. And then the other 20% in defenses, so low risk investments like cash, bonds, and fixed interest. Having a look at the portfolio as a whole and all your individual investments, they have performed really quite well. I have just noticed here, having a look, one of your investments is down a little bit. So Bannalong Australian Equities, that's giving you your Australian Equities portion, and Bannalong is meant to be more of an actively managed part of your investment. That is down quite significantly from sort of late November, early December. That's because of one their underlying investors had a bit of an issue. They a corporate traveler, if you haven't heard in the news, actually went back and was been a bit dishonest to the market and to their investors that came out, and it meant that Fenelon had to reevaluate that portion of their investments. So we've just been going back over the last couple of weeks and reevaluating this portion of everyone's portfolios, and we do wanna kind of move you out of that. So if you like, what I could do is I can have a look at, obviously, the Superfund you're in. I can look at other options for Superfund to see if there's something cheaper out there than Netwealth, but also look at the different portfolio structures and see if there's something that has been providing better performance, might be lower cost in fees. Are you open to me reevaluating all of that for you? Yeah. Yeah. Yeah. That's okay. Well, I can go back and review all the different options for super funds out there. You'd be comfortable if we recommended a different super fund as a whole and moved everything out of Netwealth for you. That wouldn't be a problem. Yep. Yeah. Absolutely. Perfect. Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000. In the meantime, I'll also go back and do a little bit of research. It is quite a significant amount of research to do to look at all the different funds out there, all the different investment options, sorry, that we have as well. So it does take a couple of weeks to put that together for you. But once I have the plan ready, we can come back and have a look at that together. I'll go through the recommendations there with you. You'll get to see everything, see the advantages, disadvantages, and the risks involved, and then you get to decide whether you take on all, some, or none of the recommendations. How does that sound? Perfect. Oh, good. One of the things I would like to do with you is just to sort of reevaluate your risk profile as well, just do a really quick questionnaire just to sort of gauge whether the growth portfolio is still the right one for you. This is only a couple of questions, generally about sort of five multiple choice questions. If you find you can't hear me or I do break up, please let me know. Okay? Oh, good. The first one here is asking, have you ever invested in direct shares or managed funds in your own name before? No. That's okay. All good. The next one here is asking about the time horizon you have between now to when you're wanting to access your super. So having a bit of a look at the goals you had, it made mention when you did your anniversary, you were hoping to sort of access sleep and maybe retire around age 70. Is that right, or did you wanna reduce that age a little bit? No. That's okay. So we're working on 70 for the moment. Yeah. Perfect. The next one here is asking about how much risk you're comfortable taking in order to get greater returns. So would you consider yourself happy to take on a higher level of risk to obtain greater potential returns? Would you see yourself taking on a moderate or medium amount of risk to get the best returns you can, or do you feel comfortable not taking much risk to get lower returns? The medium? Yep. Perfect. Yep. That's okay. With that question, you can go in between those two answers if you wanted to. Yep. Yeah. Perfect. The next one here is asking if you looked at your super in the next six months and say you saw it fall by 20% due to what was happening globally, do you feel like you'd be wanting to put more money into the market? You feel like there's buying opportunity there? Are you more likely to hold and wait and maybe call us, or are you feeling a bit concerned and wanting to move to something more secure? Yeah. No. That's okay. That's alright. How does your is your expenditure at the moment? Are you guys managing to put much away? I know having a look here, you've got a couple you've got some kids at home there as well. But do you find you have much in the way of expendable income or savings at the end of the week? Yeah. Yep. Yep. That's okay. Did you want me to maybe look at making a recommendation to start maybe salary sacrificing and putting a smaller amount in? We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet. Yep. Yeah. Absolutely. Do you feel comfortable starting off with maybe $50 on a weekly or fortnightly basis just to sort of see what it looks like and how it can help, and we could always look to increase it down the track? Or did you wanna start with something a bit more? Perfect. Sorry. Was that 50 per week or per fortnight? I do apologize. Per fortnight? Yeah. Absolutely. I can add that into the advice document and show you what that looks like. Again, the advice is completely up to you. You get to decide whether you take all the recommendations, some of them or none of them at all, but it just sort of show you what, you know, what it can do, how it can help the advantages, disadvantages, and the risks involved of taking on that sort of thing. Okay. Perfect. All good. Now the second last one here is basically asking, have you ever seen your super fall in value again? If you did, this is due to, like, external market factors. How do you think you'd be feeling? The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned? Yep. Yep. That's okay. Not a problem at all. And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property? Yep. That's okay. Not a problem at all. Perfect. And I can see here one of your goals is down the track to purchase a home well. Yeah. No. That's okay. Is it something you, you know, you would like to do over the next sort of four to five or ten years, or you're not really sure what kind of time frame you'd like to do that in? Yeah. No. That's okay. That's not a problem at all. Perfect. I'll pop some details in the email there for you. Excellent. Well, having a look at that one that you have scored as a growth investor. So as I mentioned before, that is the profile that we have you in at the moment. A growth investor typically suits someone who has at least six years before they're wanting to access their super, so it fits in with yourself. You're only having a look at your ATM. So sorry. You're 49 coming up in a week and a bit time, so you've got a a lot of time ahead of you before you're able to access super. So that profile does certainly still help you out there. Realistically, the growth portfolio, we would expect negative returns sort of one in every five, and we do understand that with markets going up and down, the more risk we take, we do expect negative returns every couple of years. But the average returns we'd sorta hope to achieve from this sort of a portfolio would be between sort of seven to 9%. Does that profile still fit with what you're after? You're still comfortable with that sort of asset location and the growth profile? Yeah. Perfect. Not a problem. Well, I can have a look at that for you just to kinda recap. I'll review the super fund that you're in as well as the other options out there. Have a look at all the different options for for investment profiles. And then I can also look at recommending that $50 on a fortnightly basis to sort of show you what that salary sacrifice can do to start with, and then we can kinda go from there. The only other thing that's really important to sort of touch base on is the type of investing profile that you're after as well. So when we are investing in investments in our super, we have lots of different investment options to choose from. And the point of having some of that ban along in your investment profile or in your investments back when you came on board was to have a little bit of active management in there. Now one of the benefits of having these sort of active managers in your profile or in your investments is that they are trying to buy and sell so that they can try and outperform against the market or the benchmark that they're trying to follow along with. However, over the longer term, there's no guarantees they're going to, and quite often active managers don't outperform the market. We can look at other styles like passive investing, which can be often a little bit cheaper. You don't have those active managers there. They're not trying to outperform the market. You're just tracking the market. And quite often, just being in participating in the market and tracking a certain benchmark, you can actually do much better, than those active managers are trying to do. Did you want me to look at something more lower cost like that, so that a passive managements management style for your investment? Mhmm. Yeah. Perfect. And have you do you log in to your Netwealth, sorry, option? Do you have a look at the investments and where the money is sort of invested? No. That's okay. Because there is one other option I sort of wanted to bring out. So over the course of the last twelve months, our investment committee have teamed up with BlackRock, which is one of Australia's largest investment firms. Essentially, they've built what's called a an SMA or a separately managed account. One of the benefits of these separately managed accounts is while you lose a little bit of visibility, essentially, once you log in to your super fund, all you see is how much you've got there and the estimate. We can give you trade reports and give you a bit more detail of on the the underlying. But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place. Or if the market was may making a bit of a turn or COVID was coming or we sort of saw something that needed to change, we would be able to make these changes to your profile very quickly without having to call and update advice documents. The reason we haven't been able to with Bannalung at the moment is that because when you came on board, you were provided the advice document with these rest with these investments recommended, we've had to keep you in line with that risk profile and with those investments that were recommended to you. And in order to update any of those, we currently have to provide a new advice document to you and go through all the the conversation that we're having today. If we did look at this, SMA, the separately managed account, as I mentioned, you lose a little bit of visibility on the investments that you're in. However, we can provide regular change reports, and it does give a few a lot more control around changing the underlying investments for you. It can be a bit more low cost as well. Did you want me to have a look at something like the SMA? Or no. Well, essentially, it's just the investment. So if I have a look at the the SMA for you, it's just changing the investments within that within your super. Yeah. Are you comfortable with me having a look at it? I know there's kind of a lot that we sort of touched on today, and it it sounds like it's gonna be a lot. But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all? Yeah? Oh, good. No worries. I know sometimes I'm going through a lot, and I'm asking you a lot questions and try to explain yeah. Go through it all with you. There is a lot to consider, and it does seem like a lot. But if you want, you can utilize me to the best of your capacity. I'll go back and do all the research with my team. We'll come up with the advice document for you. We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile. I can factor in salary sacrificing for you, and then I'll come back with the advice document. When you and I go through it together, I'll show you it so you can see it page by page, and then you get to take it away and read it. That way, you've got some time to take it in. Is that okay? Yeah? No worries. Look. I know I've asked you everything under the sun there. Did you have any other questions for me? Did you want me to break down any of that for you? Did you have any other questions about your super or anything? Yeah. No. That's okay. Not a problem at all. Well, what I'll do is I'll go back and do the research there for you. As I mentioned, it takes a couple of weeks to put those together for you. I'll come back with the advice document. We'll go through it together, and then you'll be able to ask any questions you have. You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board. Okay? I think not a problem at all. If you have any questions in the meantime, I will get that email out to you very shortly. So if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat. Not a problem at all. Are you on your way home now? You hopefully go home, put your feet up for a little bit. Perfect. Perfect. Well, thank you so much for your time. I really appreciate you going through with me. I'll get working on this for you, and, yeah, I'll get this email out to you this afternoon so you've got something to have a bit of a think about. My pleasure, Pathelia. Have a great afternoon. Thanks. See you later. 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Beth. It's Dana from Okie Financial. How are you today? Can you hear me okay? Yeah.\n\nOh, good. It's Zaina from Financial. I had you booked in for a bit of a catch up this afternoon. Is now still a good time there for you? No.\n\nThat's okay. That's not a problem at all. As long as you can hear me okay, I can. It was sort of breaking in and out of it, but it's fairly constant. Now you can hear me alright?\n\nOh, beautiful. How's your day been so far? Yeah. No. That's good.\n\nWell, it's hard to take up too much of your time. I know you are extremely busy there. Before I jump into the call, just to let you know we're moving forward, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful.\n\nAnd to see the security, we are discussing your personal information there. So just need to confirm your full name, your date of birth, and address I should have on file. File. Yep. Beautiful.\n\nThank you so much for that. When I had a bit of a look back at your annual review there, you wanted to sort of have a bit of a conversation about what else we can do to sort of help you super moving forward. I can see here that you had quite a good return over the last twelve months there. Is that right? Is there anything else that you sort of wanted me to touch on as part of this call?\n\nYep. Yeah. Yeah. Perfect. Not a problem at all.\n\nJust to start with, how much have you been gifted? Okay. Perfect. Now the one of the good things, obviously, to start with, I can give you some general information and general advice looking at the what the options are, and then we can kinda delve a bit deeper into what your goals are. But having a look at that, I mean, putting in the super is a great option if that's what you're wanting to do, if you're wanting this money to grow and continue on.\n\nThe downside to putting it in the super is that you can't access that until you meet a condition of release or retire. Is there anything else that you might be thinking about utilizing the money for? I can see here with your other medium term goals that you are maybe looking at going to Japan in the next three years, possibly purchasing a property down the track. Is there anything else that you that was coming to your mind as to what you would like to use the funds for? Okay.\n\nYeah. So husband's car needs to be replaced. Is there any chance that you would be wanting to utilize that 30,000 to put towards the new car instead of borrowing it? The higher interest rate? Yeah.\n\nThat's okay. Not a problem at all. Is there have you sort of thought about putting some into your super, some into his? Is there, you know, maybe an amount you would like to keep back for emergencies or anything like that? Yeah.\n\nThat's okay. So, realistically, when we look at providing advice, we wanna find out what your goal is with this fund. So have you sort of thought about what you wanna achieve from it? Do you wanna see it growing harder, maybe working towards your retirement, or would you like to have it sitting somewhere so it's maybe kept as a buffer that you can access closer to now if you need it, like, in the shorter term if you do need it. Yeah.\n\nSo one of the things when we are looking to provide additional advice on what to do with the funds is looking at what your goal is with that money. Are you wanting to and it's probably a good conversation for you to have with your partner. Is it something that we wanna have here? Do we wanna look at getting a loan for the whole amount that we need to purchase the vehicle for knowing that interest rates can be quite high? If you're not looking at buying a new car, then when you look at lending considerations, you may be taking out an unsecured loan, which means that the interest rate can be higher.\n\nDid you wanna use some of that money as a bit of a buffer to not have to borrow as much, or is the car you're purchasing within that $30,000, and are you comfortable maybe utilizing all of that and not having a loan? So it's one definite one thing to certainly consider. The other aspect is, are you wanting to utilize that money for something in the next three to five years? If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses. It's very different to how we see super.\n\nSo with your super at the moment, you're probably taking a little bit more risk in your portfolio. So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments. That's actually not bad for where you're at at the moment because as you get closer to accessing your super, we reevaluate the risk level you're taking and the portfolio that you're in, and we start to reduce those risk levels. But, generally, when we are sort of speaking about investing money in the shorter term, any money that you are wanting to access or utilize for holidays, maybe a car purchase, or anything in the next sort of three odd years, we wouldn't wanna put into the market for the risk of a downturn. Does that make sense?\n\nYeah. So I think the first thing I would probably wanna find out is more what what is it that you're wanting to achieve? What are you wanting to do? I would probably suggest making a bit of a list of what it is that you wanna do over the next sort of one to three years and work out is this money gonna provide you any kinda help in that sort of in that strategy. If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation.\n\nWould that help you a little bit, Facilia? Yeah. And then you, Hasslyn, have a bit of a conversation, talk about what it is that you wanna achieve, what you want from this money. If you're looking to invest it and have it growing in an investment profile, absolutely fine. But I wanna also make sure that you do have some additional cash flow to keep putting in because just putting in $30,000 and sort of having it sit there over the next five to ten to twenty years whilst it's gonna provide you some income, you wanna be dollar cost averaging, you're putting more money in that to help it grow as well the same as you do for your sofa.\n\nOr is it something that, you know, having and utilizing for the car and not having a loan and saving that amount of interest, is that gonna be better for you? So I can send you some different options on what the things we've talked about and maybe some pros and cons to kinda get the conversation started. And then you can let me know, like, if you want to have a specific goal in mind or if you have something specific you're looking for, and we can kinda go from there. Does that help you a little bit? Yeah.\n\nAll good. Sounds like you've got this great little bit of money there, which is fantastic, but, you know, what to do with it, all the different things that you could be doing with it and all the things you probably want to do with it, but what's the right option that can be had? Yeah. No. That's perfect.\n\nHow you're right. Sorry. The phone just cut out. What was that? I'm so sorry.\n\nYes. Yeah. No. Absolutely understand. Not a problem at all.\n\nWell, if you like, what I can do is I can start just by giving you a bit of an email there with the options that we've kinda gone through. Obviously, the the size of purchasing a vehicle versus investing the pros and cons, You can have a bit of a chat to your partner, talk about what your options are, talk about what your goals are, what you wanna achieve from this, and then you can always come back to me. You'll have my email address there as well so we can always go through and have a chat about what the options are. Okay? Yeah.\n\nNo. Not a problem at all. We can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds. Would you like that as well? Yeah.\n\nYeah. Yeah. Yeah. No. Absolutely.\n\nThat's not a problem at all. Well, I'll start by sending the email. I'll do a bit of a follow-up with you in a couple of weeks. I'll just send you an email and get the team to give you a call and see, you know, if you wanted to pop back in for another conversation, and we can always follow-up and see where you're going with things. But we'll start by just sending the information out to you, giving you a bit of an update on what your pros and cons are, what some of the options might be, and then you can kinda go from there.\n\nHave a bit of a conversation to begin with and work out what it is you're actually hoping to achieve or wanting to do with it. Yeah. Perfect. All good. Is there anything else that you kinda wanted me to touch base on while you have me here?\n\nYeah. Sorry, but I think the phone just cut out. Can you hear me okay still? Hello? Yeah.\n\nAbsolutely. Well, I can definitely look at reviewing that for you at the moment. So having a look, now I did have a look back at your annual review in 2024 when you completed with the team. Your balance then was a $123,007.75 and 44¢ there. When you touched base and had your annual review late last year sorry.\n\nI'm just pulling those documents back up for you. The balance then well, the balance as of now, let's go straight to the balance now, is a $151,004.83 and 17¢. So you have had a bit of a growth in there, which is fantastic to see. Having a look at the way you are invested, now as I kinda went through before, you are in a growth portfolio. So you do see about 80% of your funds investing growth investments, the things like international shares, listed shares, commodities, and also listed property.\n\nAnd then the other 20% in defenses, so low risk investments like cash, bonds, and fixed interest. Having a look at the portfolio as a whole and all your individual investments, they have performed really quite well. I have just noticed here, having a look, one of your investments is down a little bit. So Bannalong Australian Equities, that's giving you your Australian Equities portion, and Bannalong is meant to be more of an actively managed part of your investment. That is down quite significantly from sort of late November, early December.\n\nThat's because of one their underlying investors had a bit of an issue. They a corporate traveler, if you haven't heard in the news, actually went back and was been a bit dishonest to the market and to their investors that came out, and it meant that Fenelon had to reevaluate that portion of their investments. So we've just been going back over the last couple of weeks and reevaluating this portion of everyone's portfolios, and we do wanna kind of move you out of that. So if you like, what I could do is I can have a look at, obviously, the Superfund you're in. I can look at other options for Superfund to see if there's something cheaper out there than Netwealth, but also look at the different portfolio structures and see if there's something that has been providing better performance, might be lower cost in fees.\n\nAre you open to me reevaluating all of that for you? Yeah. Yeah. Yeah. That's okay.\n\nWell, I can go back and review all the different options for super funds out there. You'd be comfortable if we recommended a different super fund as a whole and moved everything out of Netwealth for you. That wouldn't be a problem. Yep. Yeah.\n\nAbsolutely. Perfect. Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000. In the meantime, I'll also go back and do a little bit of research. It is quite a significant amount of research to do to look at all the different funds out there, all the different investment options, sorry, that we have as well.\n\nSo it does take a couple of weeks to put that together for you. But once I have the plan ready, we can come back and have a look at that together. I'll go through the recommendations there with you. You'll get to see everything, see the advantages, disadvantages, and the risks involved, and then you get to decide whether you take on all, some, or none of the recommendations. How does that sound?\n\nPerfect. Oh, good. One of the things I would like to do with you is just to sort of reevaluate your risk profile as well, just do a really quick questionnaire just to sort of gauge whether the growth portfolio is still the right one for you. This is only a couple of questions, generally about sort of five multiple choice questions. If you find you can't hear me or I do break up, please let me know.\n\nOkay? Oh, good. The first one here is asking, have you ever invested in direct shares or managed funds in your own name before? No. That's okay.\n\nAll good. The next one here is asking about the time horizon you have between now to when you're wanting to access your super. So having a bit of a look at the goals you had, it made mention when you did your anniversary, you were hoping to sort of access sleep and maybe retire around age 70. Is that right, or did you wanna reduce that age a little bit? No.\n\nThat's okay. So we're working on 70 for the moment. Yeah. Perfect. The next one here is asking about how much risk you're comfortable taking in order to get greater returns.\n\nSo would you consider yourself happy to take on a higher level of risk to obtain greater potential returns? Would you see yourself taking on a moderate or medium amount of risk to get the best returns you can, or do you feel comfortable not taking much risk to get lower returns? The medium? Yep. Perfect.\n\nYep. That's okay. With that question, you can go in between those two answers if you wanted to. Yep. Yeah.\n\nPerfect. The next one here is asking if you looked at your super in the next six months and say you saw it fall by 20% due to what was happening globally, do you feel like you'd be wanting to put more money into the market? You feel like there's buying opportunity there? Are you more likely to hold and wait and maybe call us, or are you feeling a bit concerned and wanting to move to something more secure? Yeah.\n\nNo. That's okay. That's alright. How does your is your expenditure at the moment? Are you guys managing to put much away?\n\nI know having a look here, you've got a couple you've got some kids at home there as well. But do you find you have much in the way of expendable income or savings at the end of the week? Yeah. Yep. Yep.\n\nThat's okay. Did you want me to maybe look at making a recommendation to start maybe salary sacrificing and putting a smaller amount in? We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet. Yep. Yeah.\n\nAbsolutely. Do you feel comfortable starting off with maybe $50 on a weekly or fortnightly basis just to sort of see what it looks like and how it can help, and we could always look to increase it down the track? Or did you wanna start with something a bit more? Perfect. Sorry.\n\nWas that 50 per week or per fortnight? I do apologize. Per fortnight? Yeah. Absolutely.\n\nI can add that into the advice document and show you what that looks like. Again, the advice is completely up to you. You get to decide whether you take all the recommendations, some of them or none of them at all, but it just sort of show you what, you know, what it can do, how it can help the advantages, disadvantages, and the risks involved of taking on that sort of thing. Okay. Perfect.\n\nAll good. Now the second last one here is basically asking, have you ever seen your super fall in value again? If you did, this is due to, like, external market factors. How do you think you'd be feeling? The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned?\n\nYep. Yep. That's okay. Not a problem at all. And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property?\n\nYep. That's okay. Not a problem at all. Perfect. And I can see here one of your goals is down the track to purchase a home well.\n\nYeah. No. That's okay. Is it something you, you know, you would like to do over the next sort of four to five or ten years, or you're not really sure what kind of time frame you'd like to do that in? Yeah.\n\nNo. That's okay. That's not a problem at all. Perfect. I'll pop some details in the email there for you.\n\nExcellent. Well, having a look at that one that you have scored as a growth investor. So as I mentioned before, that is the profile that we have you in at the moment. A growth investor typically suits someone who has at least six years before they're wanting to access their super, so it fits in with yourself. You're only having a look at your ATM.\n\nSo sorry. You're 49 coming up in a week and a bit time, so you've got a a lot of time ahead of you before you're able to access super. So that profile does certainly still help you out there. Realistically, the growth portfolio, we would expect negative returns sort of one in every five, and we do understand that with markets going up and down, the more risk we take, we do expect negative returns every couple of years. But the average returns we'd sorta hope to achieve from this sort of a portfolio would be between sort of seven to 9%.\n\nDoes that profile still fit with what you're after? You're still comfortable with that sort of asset location and the growth profile? Yeah. Perfect. Not a problem.\n\nWell, I can have a look at that for you just to kinda recap. I'll review the super fund that you're in as well as the other options out there. Have a look at all the different options for for investment profiles. And then I can also look at recommending that $50 on a fortnightly basis to sort of show you what that salary sacrifice can do to start with, and then we can kinda go from there. The only other thing that's really important to sort of touch base on is the type of investing profile that you're after as well.\n\nSo when we are investing in investments in our super, we have lots of different investment options to choose from. And the point of having some of that ban along in your investment profile or in your investments back when you came on board was to have a little bit of active management in there. Now one of the benefits of having these sort of active managers in your profile or in your investments is that they are trying to buy and sell so that they can try and outperform against the market or the benchmark that they're trying to follow along with. However, over the longer term, there's no guarantees they're going to, and quite often active managers don't outperform the market. We can look at other styles like passive investing, which can be often a little bit cheaper.\n\nYou don't have those active managers there. They're not trying to outperform the market. You're just tracking the market. And quite often, just being in participating in the market and tracking a certain benchmark, you can actually do much better, than those active managers are trying to do. Did you want me to look at something more lower cost like that, so that a passive managements management style for your investment?\n\nMhmm. Yeah. Perfect. And have you do you log in to your Netwealth, sorry, option? Do you have a look at the investments and where the money is sort of invested?\n\nNo. That's okay. Because there is one other option I sort of wanted to bring out. So over the course of the last twelve months, our investment committee have teamed up with BlackRock, which is one of Australia's largest investment firms. Essentially, they've built what's called a an SMA or a separately managed account.\n\nOne of the benefits of these separately managed accounts is while you lose a little bit of visibility, essentially, once you log in to your super fund, all you see is how much you've got there and the estimate. We can give you trade reports and give you a bit more detail of on the the underlying. But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place. Or if the market was may making a bit of a turn or COVID was coming or we sort of saw something that needed to change, we would be able to make these changes to your profile very quickly without having to call and update advice documents. The reason we haven't been able to with Bannalung at the moment is that because when you came on board, you were provided the advice document with these rest with these investments recommended, we've had to keep you in line with that risk profile and with those investments that were recommended to you.\n\nAnd in order to update any of those, we currently have to provide a new advice document to you and go through all the the conversation that we're having today. If we did look at this, SMA, the separately managed account, as I mentioned, you lose a little bit of visibility on the investments that you're in. However, we can provide regular change reports, and it does give a few a lot more control around changing the underlying investments for you. It can be a bit more low cost as well. Did you want me to have a look at something like the SMA?\n\nOr no. Well, essentially, it's just the investment. So if I have a look at the the SMA for you, it's just changing the investments within that within your super. Yeah. Are you comfortable with me having a look at it?\n\nI know there's kind of a lot that we sort of touched on today, and it it sounds like it's gonna be a lot. But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all? Yeah? Oh, good. No worries.\n\nI know sometimes I'm going through a lot, and I'm asking you a lot questions and try to explain yeah. Go through it all with you. There is a lot to consider, and it does seem like a lot. But if you want, you can utilize me to the best of your capacity. I'll go back and do all the research with my team.\n\nWe'll come up with the advice document for you. We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile. I can factor in salary sacrificing for you, and then I'll come back with the advice document. When you and I go through it together, I'll show you it so you can see it page by page, and then you get to take it away and read it. That way, you've got some time to take it in.\n\nIs that okay? Yeah? No worries. Look. I know I've asked you everything under the sun there.\n\nDid you have any other questions for me? Did you want me to break down any of that for you? Did you have any other questions about your super or anything? Yeah. No.\n\nThat's okay. Not a problem at all. Well, what I'll do is I'll go back and do the research there for you. As I mentioned, it takes a couple of weeks to put those together for you. I'll come back with the advice document.\n\nWe'll go through it together, and then you'll be able to ask any questions you have. You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board. Okay? I think not a problem at all. If you have any questions in the meantime, I will get that email out to you very shortly.\n\nSo if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat. Not a problem at all. Are you on your way home now? You hopefully go home, put your feet up for a little bit. Perfect.\n\nPerfect. Well, thank you so much for your time. I really appreciate you going through with me. I'll get working on this for you, and, yeah, I'll get this email out to you this afternoon so you've got something to have a bit of a think about. My pleasure, Pathelia.\n\nHave a great afternoon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Beth.","start":3.12,"end":3.76,"sentiment":"neutral","sentiment_score":0.17645066231489182},{"text":"It's Dana from Okie Financial.","start":3.76,"end":5.22,"sentiment":"neutral","sentiment_score":0.19212598502635955},{"text":"How are you today?","start":5.2799997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.25557539239525795},{"text":"Can you hear me okay?","start":11.36,"end":12.58,"sentiment":"neutral","sentiment_score":0.04322291761636734},{"text":"Yeah.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.1223362386226654}],"sentiment":"neutral","sentiment_score":0.15731080270865383,"num_words":17,"start":3.12,"end":13.139999},{"sentences":[{"text":"Oh, good.","start":15.1050005,"end":15.745001,"sentiment":"positive","sentiment_score":0.4297177791595459},{"text":"It's Zaina from Financial.","start":15.745001,"end":16.885,"sentiment":"neutral","sentiment_score":0.32438555359840393},{"text":"I had you booked in for a bit of a catch up this afternoon.","start":17.105,"end":19.265,"sentiment":"positive","sentiment_score":0.38135101539748056},{"text":"Is now still a good time there for you?","start":19.265,"end":21.205,"sentiment":"positive","sentiment_score":0.36190930174456704},{"text":"No.","start":23.825,"end":24.065,"sentiment":"neutral","sentiment_score":0.04071947932243347}],"sentiment":"positive","sentiment_score":0.3597931727766991,"num_words":30,"start":15.1050005,"end":24.065},{"sentences":[{"text":"That's okay.","start":24.065,"end":24.705,"sentiment":"neutral","sentiment_score":0.10783611983060837},{"text":"That's not a problem at all.","start":24.705,"end":25.825,"sentiment":"neutral","sentiment_score":0.25524265815814334},{"text":"As long as you can hear me okay, I can.","start":25.825,"end":27.87,"sentiment":"neutral","sentiment_score":0.1571732848882675},{"text":"It was sort of breaking in and out of it, but it's fairly constant.","start":27.95,"end":30.51,"sentiment":"neutral","sentiment_score":0.0010011693728821617},{"text":"Now you can hear me alright?","start":30.51,"end":31.810001,"sentiment":"neutral","sentiment_score":0.045937485372026764}],"sentiment":"neutral","sentiment_score":0.0949605873932964,"num_words":38,"start":24.065,"end":31.810001},{"sentences":[{"text":"Oh, beautiful.","start":33.47,"end":34.45,"sentiment":"positive","sentiment_score":0.3632183074951172},{"text":"How's your day been so far?","start":34.510002,"end":36.13,"sentiment":"neutral","sentiment_score":0.28556063522895175},{"text":"Yeah.","start":38.59,"end":39.07,"sentiment":"neutral","sentiment_score":0.0447969064116478},{"text":"No.","start":39.07,"end":39.31,"sentiment":"neutral","sentiment_score":-0.01107955351471901},{"text":"That's good.","start":39.31,"end":39.870003,"sentiment":"neutral","sentiment_score":0.07602322101593018}],"sentiment":"neutral","sentiment_score":0.21879701844106117,"num_words":12,"start":33.47,"end":39.870003},{"sentences":[{"text":"Well, it's hard to take up too much of your time.","start":39.870003,"end":41.47,"sentiment":"negative","sentiment_score":-0.3801614885980433},{"text":"I know you are extremely busy there.","start":41.47,"end":43.095,"sentiment":"neutral","sentiment_score":-0.28481762962681906},{"text":"Before I jump into the call, just to let you know we're moving forward, we do record our calls for quality and training purposes.","start":43.975002,"end":48.695,"sentiment":"neutral","sentiment_score":-0.06287611726050575},{"text":"Are you happy for us to proceed with that?","start":48.695,"end":50.555,"sentiment":"neutral","sentiment_score":0.1137979527314504},{"text":"Beautiful.","start":51.975002,"end":52.375,"sentiment":"neutral","sentiment_score":0.2726614773273468}],"sentiment":"neutral","sentiment_score":-0.12284006815976821,"num_words":52,"start":39.870003,"end":52.375},{"sentences":[{"text":"And to see the security, we are discussing your personal information there.","start":52.375,"end":55.335,"sentiment":"neutral","sentiment_score":0.117405300339063},{"text":"So just need to confirm your full name, your date of birth, and address I should have on file.","start":55.335,"end":59.07,"sentiment":"neutral","sentiment_score":0.097465523371571},{"text":"File.","start":59.07,"end":59.57,"sentiment":"neutral","sentiment_score":0.025347966700792313},{"text":"Yep.","start":63.63,"end":64.130005,"sentiment":"neutral","sentiment_score":0.06126381456851959},{"text":"Beautiful.","start":67.79,"end":68.29,"sentiment":"neutral","sentiment_score":0.2136492133140564}],"sentiment":"neutral","sentiment_score":0.10473439831505804,"num_words":34,"start":52.375,"end":68.29},{"sentences":[{"text":"Thank you so much for that.","start":68.35,"end":69.97,"sentiment":"positive","sentiment_score":0.5963747203350067},{"text":"When I had a bit of a look back at your annual review there, you wanted to sort of have a bit of a conversation about what else we can do to sort of help you super moving forward.","start":70.19,"end":77.305,"sentiment":"neutral","sentiment_score":0.25302121196037686},{"text":"I can see here that you had quite a good return over the last twelve months there.","start":77.305,"end":81.065,"sentiment":"positive","sentiment_score":0.4274600130670211},{"text":"Is that right?","start":81.065,"end":81.705,"sentiment":"neutral","sentiment_score":0.2825450698534648},{"text":"Is there anything else that you sort of wanted me to touch on as part of this call?","start":81.705,"end":85.005,"sentiment":"neutral","sentiment_score":0.1417912290328079}],"sentiment":"neutral","sentiment_score":0.29051533906933774,"num_words":83,"start":68.35,"end":85.005},{"sentences":[{"text":"Yep.","start":95.32,"end":95.82,"sentiment":"neutral","sentiment_score":-0.06406821310520172},{"text":"Yeah.","start":97.64,"end":98.14,"sentiment":"neutral","sentiment_score":0.06789519637823105},{"text":"Yeah.","start":98.2,"end":98.68,"sentiment":"neutral","sentiment_score":0.12438341975212096},{"text":"Perfect.","start":98.68,"end":99.18,"sentiment":"neutral","sentiment_score":0.30062544345855713},{"text":"Not a problem at all.","start":99.479996,"end":100.575,"sentiment":"neutral","sentiment_score":0.20519664883613586}],"sentiment":"neutral","sentiment_score":0.1616465656293763,"num_words":9,"start":95.32,"end":100.575},{"sentences":[{"text":"Just to start with, how much have you been gifted?","start":100.814995,"end":102.994995,"sentiment":"neutral","sentiment_score":0.08171977810561656},{"text":"Okay.","start":106.575,"end":107.075,"sentiment":"neutral","sentiment_score":0.12564770877361298},{"text":"Perfect.","start":107.134995,"end":107.634995,"sentiment":"neutral","sentiment_score":0.08647294342517853},{"text":"Now the one of the good things, obviously, to start with, I can give you some general information and general advice looking at the what the options are, and then we can kinda delve a bit deeper into what your goals are.","start":108.174995,"end":117.56,"sentiment":"positive","sentiment_score":0.46594157353753135},{"text":"But having a look at that, I mean, putting in the super is a great option if that's what you're wanting to do, if you're wanting this money to grow and continue on.","start":117.939995,"end":124.259995,"sentiment":"positive","sentiment_score":0.616621246843627}],"sentiment":"positive","sentiment_score":0.4706593754904709,"num_words":87,"start":100.814995,"end":124.259995},{"sentences":[{"text":"The downside to putting it in the super is that you can't access that until you meet a condition of release or retire.","start":124.259995,"end":130.04,"sentiment":"negative","sentiment_score":-0.4451651786980422},{"text":"Is there anything else that you might be thinking about utilizing the money for?","start":130.445,"end":133.96501,"sentiment":"neutral","sentiment_score":0.09836006111332349},{"text":"I can see here with your other medium term goals that you are maybe looking at going to Japan in the next three years, possibly purchasing a property down the track.","start":133.96501,"end":143.32501,"sentiment":"neutral","sentiment_score":0.3163748888238784},{"text":"Is there anything else that you that was coming to your mind as to what you would like to use the funds for?","start":143.32501,"end":148.17,"sentiment":"neutral","sentiment_score":0.19717198221579843},{"text":"Okay.","start":154.31,"end":154.81,"sentiment":"neutral","sentiment_score":-0.0720687061548233}],"sentiment":"neutral","sentiment_score":0.05879076286826445,"num_words":92,"start":124.259995,"end":154.81},{"sentences":[{"text":"Yeah.","start":164.675,"end":165.175,"sentiment":"neutral","sentiment_score":0.004080124199390411},{"text":"So husband's car needs to be replaced.","start":165.63501,"end":167.735,"sentiment":"neutral","sentiment_score":-0.044987031923873086},{"text":"Is there any chance that you would be wanting to utilize that 30,000 to put towards the new car instead of borrowing it?","start":168.35501,"end":175.62001,"sentiment":"neutral","sentiment_score":0.045974315346583076},{"text":"The higher interest rate?","start":175.62001,"end":176.92001,"sentiment":"neutral","sentiment_score":-0.15370047092437744},{"text":"Yeah.","start":180.5,"end":180.82,"sentiment":"neutral","sentiment_score":0.10458479821681976}],"sentiment":"neutral","sentiment_score":0.00656564078397221,"num_words":36,"start":164.675,"end":180.82},{"sentences":[{"text":"That's okay.","start":180.82,"end":181.54001,"sentiment":"neutral","sentiment_score":0.2509553134441376},{"text":"Not a problem at all.","start":181.54001,"end":182.90001,"sentiment":"positive","sentiment_score":0.3340212285518646},{"text":"Is there have you sort of thought about putting some into your super, some into his?","start":182.90001,"end":187.14,"sentiment":"neutral","sentiment_score":0.20473448559641838},{"text":"Is there, you know, maybe an amount you would like to keep back for emergencies or anything like that?","start":187.14,"end":192.275,"sentiment":"neutral","sentiment_score":0.16729986314710818},{"text":"Yeah.","start":195.855,"end":196.355,"sentiment":"neutral","sentiment_score":0.31619635224342346}],"sentiment":"neutral","sentiment_score":0.20796889049369235,"num_words":43,"start":180.82,"end":196.355},{"sentences":[{"text":"That's okay.","start":196.815,"end":197.535,"sentiment":"positive","sentiment_score":0.42024150490760803},{"text":"So, realistically, when we look at providing advice, we wanna find out what your goal is with this fund.","start":197.535,"end":201.935,"sentiment":"neutral","sentiment_score":0.3251192005057084},{"text":"So have you sort of thought about what you wanna achieve from it?","start":201.935,"end":204.96,"sentiment":"neutral","sentiment_score":0.21976726781576872},{"text":"Do you wanna see it growing harder, maybe working towards your retirement, or would you like to have it sitting somewhere so it's maybe kept as a buffer that you can access closer to now if you need it, like, in the shorter term if you do need it.","start":204.96,"end":218.335,"sentiment":"neutral","sentiment_score":0.2548144251412275},{"text":"Yeah.","start":224.235,"end":224.555,"sentiment":"neutral","sentiment_score":0.1388900727033615}],"sentiment":"neutral","sentiment_score":0.2678514191149069,"num_words":84,"start":196.815,"end":224.555},{"sentences":[{"text":"So one of the things when we are looking to provide additional advice on what to do with the funds is looking at what your goal is with that money.","start":224.555,"end":230.44,"sentiment":"neutral","sentiment_score":0.304073791205883},{"text":"Are you wanting to and it's probably a good conversation for you to have with your partner.","start":230.44,"end":234.38,"sentiment":"positive","sentiment_score":0.5488143265247345},{"text":"Is it something that we wanna have here?","start":234.76001,"end":236.28,"sentiment":"positive","sentiment_score":0.33821443282067776},{"text":"Do we wanna look at getting a loan for the whole amount that we need to purchase the vehicle for knowing that interest rates can be quite high?","start":236.28,"end":242.62001,"sentiment":"neutral","sentiment_score":0.09469781390258245},{"text":"If you're not looking at buying a new car, then when you look at lending considerations, you may be taking out an unsecured loan, which means that the interest rate can be higher.","start":242.985,"end":251.72499,"sentiment":"neutral","sentiment_score":-0.009754659777337854}],"sentiment":"neutral","sentiment_score":0.20247765315760827,"num_words":116,"start":224.555,"end":251.72499},{"sentences":[{"text":"Did you wanna use some of that money as a bit of a buffer to not have to borrow as much, or is the car you're purchasing within that $30,000, and are you comfortable maybe utilizing all of that and not having a loan?","start":251.86499,"end":262.94,"sentiment":"neutral","sentiment_score":0.15753250399773772},{"text":"So it's one definite one thing to certainly consider.","start":262.94,"end":265.44,"sentiment":"positive","sentiment_score":0.422441691160202},{"text":"The other aspect is, are you wanting to utilize that money for something in the next three to five years?","start":265.74,"end":270.94,"sentiment":"neutral","sentiment_score":0.18287348486483096},{"text":"If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses.","start":270.94,"end":291.15002,"sentiment":"negative","sentiment_score":-0.3933400153182447},{"text":"It's very different to how we see super.","start":291.45,"end":293.37003,"sentiment":"negative","sentiment_score":-0.35569334402680397}],"sentiment":"neutral","sentiment_score":-0.09398919061340134,"num_words":145,"start":251.86499,"end":293.37003},{"sentences":[{"text":"So with your super at the moment, you're probably taking a little bit more risk in your portfolio.","start":293.37003,"end":297.31003,"sentiment":"neutral","sentiment_score":-0.3215697920984692},{"text":"So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments.","start":297.61002,"end":303.315,"sentiment":"neutral","sentiment_score":0.023664089998132305},{"text":"That's actually not bad for where you're at at the moment because as you get closer to accessing your super, we reevaluate the risk level you're taking and the portfolio that you're in, and we start to reduce those risk levels.","start":303.935,"end":314.595,"sentiment":"neutral","sentiment_score":0.05524755675890824},{"text":"But, generally, when we are sort of speaking about investing money in the shorter term, any money that you are wanting to access or utilize for holidays, maybe a car purchase, or anything in the next sort of three odd years, we wouldn't wanna put into the market for the risk of a downturn.","start":314.87,"end":329.93,"sentiment":"neutral","sentiment_score":0.01523776752529321},{"text":"Does that make sense?","start":329.99002,"end":331.155,"sentiment":"neutral","sentiment_score":0.04353071004152298}],"sentiment":"neutral","sentiment_score":-0.01526857672177036,"num_words":136,"start":293.37003,"end":331.155},{"sentences":[{"text":"Yeah.","start":332.975,"end":333.455,"sentiment":"neutral","sentiment_score":0.2520384192466736},{"text":"So I think the first thing I would probably wanna find out is more what what is it that you're wanting to achieve?","start":333.455,"end":337.85498,"sentiment":"neutral","sentiment_score":0.28195508407509845},{"text":"What are you wanting to do?","start":337.85498,"end":339.155,"sentiment":"neutral","sentiment_score":0.18710562586784363},{"text":"I would probably suggest making a bit of a list of what it is that you wanna do over the next sort of one to three years and work out is this money gonna provide you any kinda help in that sort of in that strategy.","start":339.455,"end":350.46002,"sentiment":"neutral","sentiment_score":0.28286440119795175},{"text":"If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation.","start":351.08002,"end":362.05502,"sentiment":"neutral","sentiment_score":0.16853166371583939}],"sentiment":"neutral","sentiment_score":0.2386446647669958,"num_words":115,"start":332.975,"end":362.05502},{"sentences":[{"text":"Would that help you a little bit, Facilia?","start":362.11502,"end":363.89502,"sentiment":"neutral","sentiment_score":0.18564240634441376},{"text":"Yeah.","start":366.035,"end":366.515,"sentiment":"neutral","sentiment_score":0.22689928114414215},{"text":"And then you, Hasslyn, have a bit of a conversation, talk about what it is that you wanna achieve, what you want from this money.","start":366.515,"end":372.935,"sentiment":"neutral","sentiment_score":0.31089882969856264},{"text":"If you're looking to invest it and have it growing in an investment profile, absolutely fine.","start":373.59,"end":377.90997,"sentiment":"positive","sentiment_score":0.3482875246554613},{"text":"But I wanna also make sure that you do have some additional cash flow to keep putting in because just putting in $30,000 and sort of having it sit there over the next five to ten to twenty years whilst it's gonna provide you some income, you wanna be dollar cost averaging, you're putting more money in that to help it grow as well the same as you do for your sofa.","start":377.90997,"end":395.04498,"sentiment":"positive","sentiment_score":0.3460430111736059}],"sentiment":"neutral","sentiment_score":0.3276410366668076,"num_words":122,"start":362.11502,"end":395.04498},{"sentences":[{"text":"Or is it something that, you know, having and utilizing for the car and not having a loan and saving that amount of interest, is that gonna be better for you?","start":395.905,"end":404.06,"sentiment":"neutral","sentiment_score":0.11349919630635169},{"text":"So I can send you some different options on what the things we've talked about and maybe some pros and cons to kinda get the conversation started.","start":404.52002,"end":411.9,"sentiment":"neutral","sentiment_score":0.1679009273648262},{"text":"And then you can let me know, like, if you want to have a specific goal in mind or if you have something specific you're looking for, and we can kinda go from there.","start":412.44,"end":420.165,"sentiment":"neutral","sentiment_score":0.20843483770594878},{"text":"Does that help you a little bit?","start":420.165,"end":421.86502,"sentiment":"neutral","sentiment_score":0.21883816165583475},{"text":"Yeah.","start":424.325,"end":424.825,"sentiment":"positive","sentiment_score":0.47936874628067017}],"sentiment":"neutral","sentiment_score":0.17149820484220982,"num_words":100,"start":395.905,"end":424.825},{"sentences":[{"text":"All good.","start":425.045,"end":425.86502,"sentiment":"positive","sentiment_score":0.6189272105693817},{"text":"Sounds like you've got this great little bit of money there, which is fantastic, but, you know, what to do with it, all the different things that you could be doing with it and all the things you probably want to do with it, but what's the right option that can be had?","start":426.165,"end":436.68,"sentiment":"positive","sentiment_score":0.45888397884818743},{"text":"Yeah.","start":438.74,"end":439.24,"sentiment":"neutral","sentiment_score":0.18330174684524536},{"text":"No.","start":439.3,"end":439.62,"sentiment":"neutral","sentiment_score":0.11748187243938446},{"text":"That's perfect.","start":439.62,"end":440.44,"sentiment":"neutral","sentiment_score":0.3305835425853729}],"sentiment":"positive","sentiment_score":0.4495026441448826,"num_words":59,"start":425.045,"end":440.44},{"sentences":[{"text":"How you're right.","start":440.5,"end":441.615,"sentiment":"neutral","sentiment_score":0.17704357206821442},{"text":"Sorry.","start":444.495,"end":444.735,"sentiment":"neutral","sentiment_score":-0.11589478701353072},{"text":"The phone just cut out.","start":444.735,"end":445.85498,"sentiment":"neutral","sentiment_score":-0.22023610770702362},{"text":"What was that?","start":445.85498,"end":446.335,"sentiment":"neutral","sentiment_score":-0.11256925761699677},{"text":"I'm so sorry.","start":446.335,"end":447.235,"sentiment":"neutral","sentiment_score":-0.14940893153349558}],"sentiment":"neutral","sentiment_score":-0.09812527845303218,"num_words":15,"start":440.5,"end":447.235},{"sentences":[{"text":"Yes.","start":451.13498,"end":451.63498,"sentiment":"neutral","sentiment_score":-0.08527911454439163},{"text":"Yeah.","start":455.35,"end":455.67,"sentiment":"neutral","sentiment_score":-0.0027986597269773483},{"text":"No.","start":455.67,"end":456.07,"sentiment":"neutral","sentiment_score":-0.010737169533967972},{"text":"Absolutely understand.","start":456.07,"end":457.61002,"sentiment":"neutral","sentiment_score":0.0714112538844347},{"text":"Not a problem at all.","start":457.83002,"end":459.03,"sentiment":"neutral","sentiment_score":0.15368641912937164}],"sentiment":"neutral","sentiment_score":0.08124396596103907,"num_words":10,"start":451.13498,"end":459.03},{"sentences":[{"text":"Well, if you like, what I can do is I can start just by giving you a bit of an email there with the options that we've kinda gone through.","start":459.03,"end":465.67,"sentiment":"neutral","sentiment_score":0.14633841042717297},{"text":"Obviously, the the size of purchasing a vehicle versus investing the pros and cons, You can have a bit of a chat to your partner, talk about what your options are, talk about what your goals are, what you wanna achieve from this, and then you can always come back to me.","start":465.67,"end":477.45502,"sentiment":"neutral","sentiment_score":0.16603644922948801},{"text":"You'll have my email address there as well so we can always go through and have a chat about what the options are.","start":477.595,"end":486.61002,"sentiment":"neutral","sentiment_score":0.1805217136507449},{"text":"Okay?","start":486.61002,"end":486.89,"sentiment":"neutral","sentiment_score":0.14590273797512054},{"text":"Yeah.","start":486.89,"end":487.37003,"sentiment":"neutral","sentiment_score":0.1287287026643753}],"sentiment":"neutral","sentiment_score":0.16309045352668405,"num_words":107,"start":459.03,"end":487.37003},{"sentences":[{"text":"No.","start":487.37003,"end":487.69,"sentiment":"neutral","sentiment_score":0.14387226104736328},{"text":"Not a problem at all.","start":487.69,"end":489.07,"sentiment":"neutral","sentiment_score":0.2184244453907013},{"text":"We can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds.","start":489.29,"end":495.53,"sentiment":"neutral","sentiment_score":0.1489272059665786},{"text":"Would you like that as well?","start":495.53,"end":496.755,"sentiment":"neutral","sentiment_score":0.20860958099365234},{"text":"Yeah.","start":501.875,"end":502.375,"sentiment":"neutral","sentiment_score":0.017246108502149582}],"sentiment":"neutral","sentiment_score":0.1605362754543217,"num_words":49,"start":487.37003,"end":502.375},{"sentences":[{"text":"Yeah.","start":510.435,"end":510.72,"sentiment":"neutral","sentiment_score":-0.02372339740395546},{"text":"Yeah.","start":514.56,"end":515.04,"sentiment":"neutral","sentiment_score":0.06970454752445221},{"text":"Yeah.","start":515.04,"end":515.36,"sentiment":"neutral","sentiment_score":0.07593752443790436},{"text":"No.","start":515.36,"end":515.76,"sentiment":"neutral","sentiment_score":0.15180110931396484},{"text":"Absolutely.","start":515.76,"end":516.26,"sentiment":"positive","sentiment_score":0.3797038495540619}],"sentiment":"neutral","sentiment_score":0.13068472668528558,"num_words":5,"start":510.435,"end":516.26},{"sentences":[{"text":"That's not a problem at all.","start":516.48,"end":517.68,"sentiment":"positive","sentiment_score":0.4183858782052994},{"text":"Well, I'll start by sending the email.","start":517.68,"end":519.12,"sentiment":"neutral","sentiment_score":0.20891946767057692},{"text":"I'll do a bit of a follow-up with you in a couple of weeks.","start":519.12,"end":521.7,"sentiment":"neutral","sentiment_score":0.2020409724542073},{"text":"I'll just send you an email and get the team to give you a call and see, you know, if you wanted to pop back in for another conversation, and we can always follow-up and see where you're going with things.","start":521.76,"end":529.75494,"sentiment":"neutral","sentiment_score":0.20376838125833652},{"text":"But we'll start by just sending the information out to you, giving you a bit of an update on what your pros and cons are, what some of the options might be, and then you can kinda go from there.","start":530.13495,"end":538.615,"sentiment":"neutral","sentiment_score":0.18350999616086483}],"sentiment":"neutral","sentiment_score":0.20829841328991783,"num_words":108,"start":516.48,"end":538.615},{"sentences":[{"text":"Have a bit of a conversation to begin with and work out what it is you're actually hoping to achieve or wanting to do with it.","start":538.615,"end":544.58997,"sentiment":"neutral","sentiment_score":0.2176859350158618},{"text":"Yeah.","start":545.85,"end":546.35,"sentiment":"positive","sentiment_score":0.5279600620269775},{"text":"Perfect.","start":546.49,"end":546.99,"sentiment":"positive","sentiment_score":0.7169992923736572},{"text":"All good.","start":547.29,"end":548.11,"sentiment":"positive","sentiment_score":0.6527040898799896},{"text":"Is there anything else that you kinda wanted me to touch base on while you have me here?","start":548.49,"end":552.43,"sentiment":"neutral","sentiment_score":0.1921458024945524}],"sentiment":"neutral","sentiment_score":0.2431005476973951,"num_words":48,"start":538.615,"end":552.43},{"sentences":[{"text":"Yeah.","start":559.955,"end":560.455,"sentiment":"neutral","sentiment_score":0.00699539203196764},{"text":"Sorry, but I think the phone just cut out.","start":581.505,"end":583.34503,"sentiment":"neutral","sentiment_score":-0.27288781934314305},{"text":"Can you hear me okay still?","start":583.34503,"end":584.80505,"sentiment":"neutral","sentiment_score":-0.14310922597845396},{"text":"Hello?","start":587.265,"end":587.765,"sentiment":"neutral","sentiment_score":-0.041106946766376495},{"text":"Yeah.","start":595.64,"end":596.14,"sentiment":"neutral","sentiment_score":0.0838547945022583}],"sentiment":"neutral","sentiment_score":-0.18138347167728675,"num_words":18,"start":559.955,"end":596.14},{"sentences":[{"text":"Absolutely.","start":596.28,"end":596.78,"sentiment":"neutral","sentiment_score":0.15696080029010773},{"text":"Well, I can definitely look at reviewing that for you at the moment.","start":597.0,"end":599.64,"sentiment":"neutral","sentiment_score":0.13079545417657265},{"text":"So having a look, now I did have a look back at your annual review in 2024 when you completed with the team.","start":599.64,"end":605.055,"sentiment":"neutral","sentiment_score":0.06805484029261963},{"text":"Your balance then was a $123,007.75 and 44¢ there.","start":605.055,"end":610.515,"sentiment":"neutral","sentiment_score":0.03908178932033479},{"text":"When you touched base and had your annual review late last year sorry.","start":611.055,"end":614.735,"sentiment":"neutral","sentiment_score":0.01967786682339815}],"sentiment":"neutral","sentiment_score":0.06881085542383893,"num_words":59,"start":596.28,"end":614.735},{"sentences":[{"text":"I'm just pulling those documents back up for you.","start":614.735,"end":618.19995,"sentiment":"neutral","sentiment_score":0.08653484533230464},{"text":"The balance then well, the balance as of now, let's go straight to the balance now, is a $151,004.83 and 17¢.","start":620.5,"end":627.69995,"sentiment":"neutral","sentiment_score":0.0694769985973835},{"text":"So you have had a bit of a growth in there, which is fantastic to see.","start":627.69995,"end":631.24,"sentiment":"positive","sentiment_score":0.6624834910035133},{"text":"Having a look at the way you are invested, now as I kinda went through before, you are in a growth portfolio.","start":631.96497,"end":636.46497,"sentiment":"neutral","sentiment_score":0.16907974976030263},{"text":"So you do see about 80% of your funds investing growth investments, the things like international shares, listed shares, commodities, and also listed property.","start":636.52496,"end":646.065,"sentiment":"neutral","sentiment_score":0.1378219354276856}],"sentiment":"neutral","sentiment_score":0.21753374045039273,"num_words":92,"start":614.735,"end":646.065},{"sentences":[{"text":"And then the other 20% in defenses, so low risk investments like cash, bonds, and fixed interest.","start":646.125,"end":651.51996,"sentiment":"neutral","sentiment_score":0.1314194802852238},{"text":"Having a look at the portfolio as a whole and all your individual investments, they have performed really quite well.","start":651.98,"end":658.16,"sentiment":"positive","sentiment_score":0.3605737626552582},{"text":"I have just noticed here, having a look, one of your investments is down a little bit.","start":658.54,"end":662.395,"sentiment":"neutral","sentiment_score":-0.18774739258429585},{"text":"So Bannalong Australian Equities, that's giving you your Australian Equities portion, and Bannalong is meant to be more of an actively managed part of your investment.","start":662.395,"end":670.335,"sentiment":"neutral","sentiment_score":-0.028638860980908457},{"text":"That is down quite significantly from sort of late November, early December.","start":671.115,"end":675.435,"sentiment":"negative","sentiment_score":-0.3572562113404274}],"sentiment":"neutral","sentiment_score":0.013284954591654241,"num_words":92,"start":646.125,"end":675.435},{"sentences":[{"text":"That's because of one their underlying investors had a bit of an issue.","start":675.435,"end":678.70996,"sentiment":"neutral","sentiment_score":-0.2685405359818385},{"text":"They a corporate traveler, if you haven't heard in the news, actually went back and was been a bit dishonest to the market and to their investors that came out, and it meant that Fenelon had to reevaluate that portion of their investments.","start":679.32996,"end":689.75,"sentiment":"negative","sentiment_score":-0.35146187904269194},{"text":"So we've just been going back over the last couple of weeks and reevaluating this portion of everyone's portfolios, and we do wanna kind of move you out of that.","start":690.355,"end":698.515,"sentiment":"neutral","sentiment_score":-0.2207048234840234},{"text":"So if you like, what I could do is I can have a look at, obviously, the Superfund you're in.","start":698.515,"end":702.7316,"sentiment":"neutral","sentiment_score":-0.024521736800670622},{"text":"I can look at other options for Superfund to see if there's something cheaper out there than Netwealth, but also look at the different portfolio structures and see if there's something that has been providing better performance, might be lower cost in fees.","start":702.7316,"end":714.20636,"sentiment":"neutral","sentiment_score":0.06800846920110458}],"sentiment":"neutral","sentiment_score":-0.1529604230301092,"num_words":149,"start":675.435,"end":714.20636},{"sentences":[{"text":"Are you open to me reevaluating all of that for you?","start":714.20636,"end":717.075,"sentiment":"neutral","sentiment_score":0.030921786092221737},{"text":"Yeah.","start":719.315,"end":719.815,"sentiment":"neutral","sentiment_score":0.024474898353219032},{"text":"Yeah.","start":722.59503,"end":723.09503,"sentiment":"neutral","sentiment_score":-0.11564473807811736},{"text":"Yeah.","start":728.435,"end":728.935,"sentiment":"neutral","sentiment_score":0.021090328693389893},{"text":"That's okay.","start":729.48,"end":730.22,"sentiment":"neutral","sentiment_score":-0.005307083949446678}],"sentiment":"neutral","sentiment_score":0.01621537300525233,"num_words":16,"start":714.20636,"end":730.22},{"sentences":[{"text":"Well, I can go back and review all the different options for super funds out there.","start":730.44,"end":733.8,"sentiment":"neutral","sentiment_score":0.1418217378668487},{"text":"You'd be comfortable if we recommended a different super fund as a whole and moved everything out of Netwealth for you.","start":733.8,"end":739.39996,"sentiment":"neutral","sentiment_score":0.2242983022616023},{"text":"That wouldn't be a problem.","start":739.39996,"end":740.54,"sentiment":"neutral","sentiment_score":0.1985021486878395},{"text":"Yep.","start":746.135,"end":746.375,"sentiment":"neutral","sentiment_score":0.21383854746818545},{"text":"Yeah.","start":746.375,"end":746.775,"sentiment":"positive","sentiment_score":0.3882445394992829}],"sentiment":"neutral","sentiment_score":0.19486377235840668,"num_words":44,"start":730.44,"end":746.775},{"sentences":[{"text":"Absolutely.","start":746.775,"end":747.275,"sentiment":"positive","sentiment_score":0.6700829863548279},{"text":"Perfect.","start":747.895,"end":748.395,"sentiment":"positive","sentiment_score":0.7201662659645081},{"text":"Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000.","start":748.455,"end":754.135,"sentiment":"neutral","sentiment_score":0.24114862263202666},{"text":"In the meantime, I'll also go back and do a little bit of research.","start":754.135,"end":757.195,"sentiment":"neutral","sentiment_score":0.14481214327471598},{"text":"It is quite a significant amount of research to do to look at all the different funds out there, all the different investment options, sorry, that we have as well.","start":757.58997,"end":764.55,"sentiment":"neutral","sentiment_score":0.13245001944402854}],"sentiment":"neutral","sentiment_score":0.18901176629981525,"num_words":71,"start":746.775,"end":764.55},{"sentences":[{"text":"So it does take a couple of weeks to put that together for you.","start":764.55,"end":767.37,"sentiment":"neutral","sentiment_score":0.11005892604589462},{"text":"But once I have the plan ready, we can come back and have a look at that together.","start":768.31,"end":772.08997,"sentiment":"neutral","sentiment_score":0.14525368312994638},{"text":"I'll go through the recommendations there with you.","start":772.155,"end":774.655,"sentiment":"neutral","sentiment_score":0.18516843393445015},{"text":"You'll get to see everything, see the advantages, disadvantages, and the risks involved, and then you get to decide whether you take on all, some, or none of the recommendations.","start":775.515,"end":783.215,"sentiment":"neutral","sentiment_score":0.12034115393956503},{"text":"How does that sound?","start":783.43506,"end":784.49506,"sentiment":"neutral","sentiment_score":0.17149900272488594}],"sentiment":"neutral","sentiment_score":0.13422931569653587,"num_words":74,"start":764.55,"end":784.49506},{"sentences":[{"text":"Perfect.","start":786.875,"end":787.375,"sentiment":"positive","sentiment_score":0.41530007123947144},{"text":"Oh, good.","start":788.33,"end":789.15,"sentiment":"positive","sentiment_score":0.3492899090051651},{"text":"One of the things I would like to do with you is just to sort of reevaluate your risk profile as well, just do a really quick questionnaire just to sort of gauge whether the growth portfolio is still the right one for you.","start":789.21,"end":799.15,"sentiment":"neutral","sentiment_score":0.16125539859587495},{"text":"This is only a couple of questions, generally about sort of five multiple choice questions.","start":799.45,"end":804.01495,"sentiment":"neutral","sentiment_score":0.12300578206777572},{"text":"If you find you can't hear me or I do break up, please let me know.","start":804.07495,"end":807.51495,"sentiment":"neutral","sentiment_score":0.01217862514022272}],"sentiment":"neutral","sentiment_score":0.13139823282985255,"num_words":78,"start":786.875,"end":807.51495},{"sentences":[{"text":"Okay?","start":807.51495,"end":808.01495,"sentiment":"neutral","sentiment_score":0.0462491549551487},{"text":"Oh, good.","start":809.755,"end":810.57495,"sentiment":"neutral","sentiment_score":0.16752909123897552},{"text":"The first one here is asking, have you ever invested in direct shares or managed funds in your own name before?","start":810.875,"end":815.76,"sentiment":"neutral","sentiment_score":0.05883385728867281},{"text":"No.","start":819.12,"end":819.44,"sentiment":"neutral","sentiment_score":0.033439330756664276},{"text":"That's okay.","start":819.44,"end":820.26,"sentiment":"neutral","sentiment_score":0.10354036837816238}],"sentiment":"neutral","sentiment_score":0.06879031140771177,"num_words":27,"start":807.51495,"end":820.26},{"sentences":[{"text":"All good.","start":820.32,"end":821.06,"sentiment":"neutral","sentiment_score":0.31215572357177734},{"text":"The next one here is asking about the time horizon you have between now to when you're wanting to access your super.","start":821.60004,"end":826.72003,"sentiment":"neutral","sentiment_score":0.06236647628247738},{"text":"So having a bit of a look at the goals you had, it made mention when you did your anniversary, you were hoping to sort of access sleep and maybe retire around age 70.","start":826.72003,"end":835.435,"sentiment":"neutral","sentiment_score":0.07704618825193714},{"text":"Is that right, or did you wanna reduce that age a little bit?","start":835.495,"end":838.555,"sentiment":"neutral","sentiment_score":0.030946228868113115},{"text":"No.","start":845.36005,"end":845.60004,"sentiment":"neutral","sentiment_score":-0.2649931311607361}],"sentiment":"neutral","sentiment_score":0.06601739125067575,"num_words":72,"start":820.32,"end":845.60004},{"sentences":[{"text":"That's okay.","start":845.60004,"end":846.16003,"sentiment":"neutral","sentiment_score":-0.16879700124263763},{"text":"So we're working on 70 for the moment.","start":846.16003,"end":848.18005,"sentiment":"neutral","sentiment_score":0.0447979629971087},{"text":"Yeah.","start":849.84,"end":850.24005,"sentiment":"neutral","sentiment_score":0.31681549549102783},{"text":"Perfect.","start":850.24005,"end":850.74005,"sentiment":"positive","sentiment_score":0.5614597797393799},{"text":"The next one here is asking about how much risk you're comfortable taking in order to get greater returns.","start":851.36005,"end":856.58,"sentiment":"neutral","sentiment_score":0.07797097591193099}],"sentiment":"neutral","sentiment_score":0.07679075867899003,"num_words":31,"start":845.60004,"end":856.58},{"sentences":[{"text":"So would you consider yourself happy to take on a higher level of risk to obtain greater potential returns?","start":856.64,"end":863.03503,"sentiment":"neutral","sentiment_score":0.12473934379063155},{"text":"Would you see yourself taking on a moderate or medium amount of risk to get the best returns you can, or do you feel comfortable not taking much risk to get lower returns?","start":863.335,"end":871.03503,"sentiment":"neutral","sentiment_score":-0.006507916883988814},{"text":"The medium?","start":876.57996,"end":877.31995,"sentiment":"neutral","sentiment_score":0.05064654350280762},{"text":"Yep.","start":877.37994,"end":877.77997,"sentiment":"neutral","sentiment_score":0.14252768456935885},{"text":"Perfect.","start":877.77997,"end":878.27997,"sentiment":"neutral","sentiment_score":0.28973978757858276}],"sentiment":"neutral","sentiment_score":0.04801512203578438,"num_words":56,"start":856.64,"end":878.27997},{"sentences":[{"text":"Yep.","start":882.66,"end":883.16,"sentiment":"neutral","sentiment_score":0.1290867030620575},{"text":"That's okay.","start":885.22,"end":885.86,"sentiment":"neutral","sentiment_score":0.2267470732331276},{"text":"With that question, you can go in between those two answers if you wanted to.","start":885.86,"end":889.575,"sentiment":"neutral","sentiment_score":0.07987134978175163},{"text":"Yep.","start":891.41504,"end":891.91504,"sentiment":"neutral","sentiment_score":0.07657423615455627},{"text":"Yeah.","start":892.295,"end":892.695,"sentiment":"neutral","sentiment_score":0.21988266706466675}],"sentiment":"neutral","sentiment_score":0.1038553999736905,"num_words":20,"start":882.66,"end":892.695},{"sentences":[{"text":"Perfect.","start":892.695,"end":893.195,"sentiment":"positive","sentiment_score":0.3844566941261291},{"text":"The next one here is asking if you looked at your super in the next six months and say you saw it fall by 20% due to what was happening globally, do you feel like you'd be wanting to put more money into the market?","start":893.815,"end":903.97504,"sentiment":"neutral","sentiment_score":0.001785146486428049},{"text":"You feel like there's buying opportunity there?","start":903.97504,"end":906.02,"sentiment":"neutral","sentiment_score":0.04536194620387895},{"text":"Are you more likely to hold and wait and maybe call us, or are you feeling a bit concerned and wanting to move to something more secure?","start":906.02,"end":912.68,"sentiment":"neutral","sentiment_score":-0.08443001906077068},{"text":"Yeah.","start":923.075,"end":923.395,"sentiment":"neutral","sentiment_score":0.0037707053124904633}],"sentiment":"neutral","sentiment_score":-0.018438492591182392,"num_words":81,"start":892.695,"end":923.395},{"sentences":[{"text":"No.","start":923.395,"end":923.635,"sentiment":"neutral","sentiment_score":-0.05709186941385269},{"text":"That's okay.","start":923.635,"end":924.455,"sentiment":"neutral","sentiment_score":0.025194155052304268},{"text":"That's alright.","start":924.675,"end":925.475,"sentiment":"neutral","sentiment_score":0.08410446345806122},{"text":"How does your is your expenditure at the moment?","start":925.475,"end":927.955,"sentiment":"neutral","sentiment_score":0.007292555438147651},{"text":"Are you guys managing to put much away?","start":927.955,"end":929.795,"sentiment":"neutral","sentiment_score":-0.06414517853409052}],"sentiment":"neutral","sentiment_score":-0.01300104826011441,"num_words":22,"start":923.395,"end":929.795},{"sentences":[{"text":"I know having a look here, you've got a couple you've got some kids at home there as well.","start":929.795,"end":934.67004,"sentiment":"neutral","sentiment_score":-0.017163306621736603},{"text":"But do you find you have much in the way of expendable income or savings at the end of the week?","start":934.67004,"end":939.97003,"sentiment":"neutral","sentiment_score":-0.07523297323357492},{"text":"Yeah.","start":947.775,"end":948.275,"sentiment":"neutral","sentiment_score":-0.0475085973739624},{"text":"Yep.","start":961.62994,"end":961.94995,"sentiment":"neutral","sentiment_score":0.028642579913139343},{"text":"Yep.","start":961.94995,"end":962.35,"sentiment":"neutral","sentiment_score":0.04818058013916016}],"sentiment":"neutral","sentiment_score":-0.04364373723348213,"num_words":43,"start":929.795,"end":962.35},{"sentences":[{"text":"That's okay.","start":962.35,"end":962.99,"sentiment":"neutral","sentiment_score":0.10483239591121674},{"text":"Did you want me to maybe look at making a recommendation to start maybe salary sacrificing and putting a smaller amount in?","start":962.99,"end":969.55,"sentiment":"neutral","sentiment_score":-0.04638988050547513},{"text":"We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet.","start":969.55,"end":985.38,"sentiment":"neutral","sentiment_score":0.1147668430256465},{"text":"Yep.","start":992.42,"end":992.58,"sentiment":"neutral","sentiment_score":0.1421501785516739},{"text":"Yeah.","start":992.58,"end":993.08,"sentiment":"neutral","sentiment_score":0.2515796422958374}],"sentiment":"neutral","sentiment_score":0.07655200395691261,"num_words":89,"start":962.35,"end":993.08},{"sentences":[{"text":"Absolutely.","start":993.3,"end":993.8,"sentiment":"positive","sentiment_score":0.42932093143463135},{"text":"Do you feel comfortable starting off with maybe $50 on a weekly or fortnightly basis just to sort of see what it looks like and how it can help, and we could always look to increase it down the track?","start":994.1,"end":1002.795,"sentiment":"positive","sentiment_score":0.33838191702961923},{"text":"Or did you wanna start with something a bit more?","start":1002.795,"end":1005.455,"sentiment":"neutral","sentiment_score":0.12060841247439384},{"text":"Perfect.","start":1010.555,"end":1010.955,"sentiment":"neutral","sentiment_score":0.290749728679657},{"text":"Sorry.","start":1010.955,"end":1011.275,"sentiment":"neutral","sentiment_score":0.08237703144550323}],"sentiment":"neutral","sentiment_score":0.29327940561299054,"num_words":53,"start":993.3,"end":1011.275},{"sentences":[{"text":"Was that 50 per week or per fortnight?","start":1011.275,"end":1013.195,"sentiment":"neutral","sentiment_score":0.0332138454541564},{"text":"I do apologize.","start":1013.195,"end":1013.935,"sentiment":"neutral","sentiment_score":-0.01585179567337036},{"text":"Per fortnight?","start":1016.83997,"end":1017.64,"sentiment":"neutral","sentiment_score":0.020673328544944525},{"text":"Yeah.","start":1017.64,"end":1017.96,"sentiment":"neutral","sentiment_score":0.13406190276145935},{"text":"Absolutely.","start":1017.96,"end":1018.36,"sentiment":"neutral","sentiment_score":0.32314950227737427}],"sentiment":"neutral","sentiment_score":0.04778089591612419,"num_words":15,"start":1011.275,"end":1018.36},{"sentences":[{"text":"I can add that into the advice document and show you what that looks like.","start":1018.36,"end":1021.32,"sentiment":"neutral","sentiment_score":0.2905315011739731},{"text":"Again, the advice is completely up to you.","start":1021.32,"end":1023.8,"sentiment":"neutral","sentiment_score":0.191678237169981},{"text":"You get to decide whether you take all the recommendations, some of them or none of them at all, but it just sort of show you what, you know, what it can do, how it can help the advantages, disadvantages, and the risks involved of taking on that sort of thing.","start":1023.8,"end":1034.4451,"sentiment":"neutral","sentiment_score":0.14940372547682593},{"text":"Okay.","start":1034.4451,"end":1034.9451,"sentiment":"neutral","sentiment_score":0.13277728855609894},{"text":"Perfect.","start":1036.8451,"end":1037.3451,"sentiment":"positive","sentiment_score":0.38055986166000366}],"sentiment":"neutral","sentiment_score":0.184530599532943,"num_words":76,"start":1018.36,"end":1037.3451},{"sentences":[{"text":"All good.","start":1039.165,"end":1039.885,"sentiment":"positive","sentiment_score":0.41712410748004913},{"text":"Now the second last one here is basically asking, have you ever seen your super fall in value again?","start":1039.885,"end":1044.8201,"sentiment":"neutral","sentiment_score":-0.0970381949292986},{"text":"If you did, this is due to, like, external market factors.","start":1044.8201,"end":1047.86,"sentiment":"neutral","sentiment_score":-0.14611211757768283},{"text":"How do you think you'd be feeling?","start":1047.86,"end":1049.4,"sentiment":"neutral","sentiment_score":-0.05005099305084774},{"text":"The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned?","start":1049.54,"end":1057.9651,"sentiment":"neutral","sentiment_score":-0.18516197735848633}],"sentiment":"neutral","sentiment_score":-0.11654505181697107,"num_words":62,"start":1039.165,"end":1057.9651},{"sentences":[{"text":"Yep.","start":1061.2251,"end":1061.545,"sentiment":"neutral","sentiment_score":0.03025231882929802},{"text":"Yep.","start":1061.545,"end":1061.865,"sentiment":"neutral","sentiment_score":0.05665203928947449},{"text":"That's okay.","start":1061.865,"end":1062.605,"sentiment":"neutral","sentiment_score":0.12761759757995605},{"text":"Not a problem at all.","start":1062.745,"end":1063.785,"sentiment":"neutral","sentiment_score":0.127762833237648},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property?","start":1063.785,"end":1071.4199,"sentiment":"neutral","sentiment_score":0.02037933138349364}],"sentiment":"neutral","sentiment_score":0.04031782480888069,"num_words":40,"start":1061.2251,"end":1071.4199},{"sentences":[{"text":"Yep.","start":1075.96,"end":1076.28,"sentiment":"neutral","sentiment_score":0.07645341753959656},{"text":"That's okay.","start":1076.28,"end":1077.1,"sentiment":"neutral","sentiment_score":0.16086286306381226},{"text":"Not a problem at all.","start":1077.16,"end":1078.62,"sentiment":"neutral","sentiment_score":0.2502573072910309},{"text":"Perfect.","start":1080.0399,"end":1080.5399,"sentiment":"positive","sentiment_score":0.45290082693099976},{"text":"And I can see here one of your goals is down the track to purchase a home well.","start":1080.6,"end":1084.595,"sentiment":"neutral","sentiment_score":0.29359153575367397}],"sentiment":"neutral","sentiment_score":0.27359311668961134,"num_words":27,"start":1075.96,"end":1084.595},{"sentences":[{"text":"Yeah.","start":1086.815,"end":1087.315,"sentiment":"neutral","sentiment_score":-0.022344162687659264},{"text":"No.","start":1092.975,"end":1093.2949,"sentiment":"neutral","sentiment_score":-0.046653833240270615},{"text":"That's okay.","start":1093.2949,"end":1094.115,"sentiment":"neutral","sentiment_score":0.32458043098449707},{"text":"Is it something you, you know, you would like to do over the next sort of four to five or ten years, or you're not really sure what kind of time frame you'd like to do that in?","start":1094.575,"end":1102.2,"sentiment":"neutral","sentiment_score":0.015823180382875234},{"text":"Yeah.","start":1105.0599,"end":1105.38,"sentiment":"neutral","sentiment_score":0.0314631387591362}],"sentiment":"neutral","sentiment_score":0.028207136263940915,"num_words":43,"start":1086.815,"end":1105.38},{"sentences":[{"text":"No.","start":1105.38,"end":1105.5399,"sentiment":"neutral","sentiment_score":0.04921036213636398},{"text":"That's okay.","start":1105.5399,"end":1106.1799,"sentiment":"neutral","sentiment_score":0.16491489857435226},{"text":"That's not a problem at all.","start":1106.1799,"end":1107.7999,"sentiment":"neutral","sentiment_score":0.3146961530049642},{"text":"Perfect.","start":1108.34,"end":1108.84,"sentiment":"positive","sentiment_score":0.6419495940208435},{"text":"I'll pop some details in the email there for you.","start":1108.98,"end":1111.425,"sentiment":"positive","sentiment_score":0.46355662047863005}],"sentiment":"positive","sentiment_score":0.3772366438060999,"num_words":20,"start":1105.38,"end":1111.425},{"sentences":[{"text":"Excellent.","start":1111.8251,"end":1112.3251,"sentiment":"positive","sentiment_score":0.5843411087989807},{"text":"Well, having a look at that one that you have scored as a growth investor.","start":1112.545,"end":1115.665,"sentiment":"neutral","sentiment_score":0.22273545165856679},{"text":"So as I mentioned before, that is the profile that we have you in at the moment.","start":1115.665,"end":1118.9651,"sentiment":"neutral","sentiment_score":0.14468195333200343},{"text":"A growth investor typically suits someone who has at least six years before they're wanting to access their super, so it fits in with yourself.","start":1119.425,"end":1126.3251,"sentiment":"neutral","sentiment_score":0.16736934408545495},{"text":"You're only having a look at your ATM.","start":1126.98,"end":1128.82,"sentiment":"neutral","sentiment_score":0.03405737457796931}],"sentiment":"neutral","sentiment_score":0.1642675558951768,"num_words":66,"start":1111.8251,"end":1128.82},{"sentences":[{"text":"So sorry.","start":1128.82,"end":1129.38,"sentiment":"neutral","sentiment_score":-0.015614446252584457},{"text":"You're 49 coming up in a week and a bit time, so you've got a a lot of time ahead of you before you're able to access super.","start":1129.38,"end":1136.26,"sentiment":"neutral","sentiment_score":-0.0194303212421281},{"text":"So that profile does certainly still help you out there.","start":1136.26,"end":1139.56,"sentiment":"neutral","sentiment_score":0.2827618695795536},{"text":"Realistically, the growth portfolio, we would expect negative returns sort of one in every five, and we do understand that with markets going up and down, the more risk we take, we do expect negative returns every couple of years.","start":1140.155,"end":1152.1749,"sentiment":"neutral","sentiment_score":-0.11547865131869912},{"text":"But the average returns we'd sorta hope to achieve from this sort of a portfolio would be between sort of seven to 9%.","start":1152.48,"end":1158.48,"sentiment":"neutral","sentiment_score":0.04165920756919229}],"sentiment":"neutral","sentiment_score":-0.013676150195589922,"num_words":103,"start":1128.82,"end":1158.48},{"sentences":[{"text":"Does that profile still fit with what you're after?","start":1158.48,"end":1160.96,"sentiment":"neutral","sentiment_score":0.08182385108537144},{"text":"You're still comfortable with that sort of asset location and the growth profile?","start":1160.96,"end":1164.645,"sentiment":"neutral","sentiment_score":0.04714857614957369},{"text":"Yeah.","start":1167.125,"end":1167.605,"sentiment":"neutral","sentiment_score":0.18544277548789975},{"text":"Perfect.","start":1167.605,"end":1168.085,"sentiment":"neutral","sentiment_score":0.32081925868988037},{"text":"Not a problem.","start":1168.085,"end":1168.725,"sentiment":"neutral","sentiment_score":0.22156125803788504}],"sentiment":"neutral","sentiment_score":0.09334414659274949,"num_words":27,"start":1158.48,"end":1168.725},{"sentences":[{"text":"Well, I can have a look at that for you just to kinda recap.","start":1168.725,"end":1171.4451,"sentiment":"neutral","sentiment_score":0.13896358758211136},{"text":"I'll review the super fund that you're in as well as the other options out there.","start":1171.4451,"end":1175.305,"sentiment":"neutral","sentiment_score":0.1415563067421317},{"text":"Have a look at all the different options for for investment profiles.","start":1175.605,"end":1180.025,"sentiment":"neutral","sentiment_score":0.10474966869999965},{"text":"And then I can also look at recommending that $50 on a fortnightly basis to sort of show you what that salary sacrifice can do to start with, and then we can kinda go from there.","start":1180.51,"end":1189.1699,"sentiment":"neutral","sentiment_score":0.1582936675598224},{"text":"The only other thing that's really important to sort of touch base on is the type of investing profile that you're after as well.","start":1189.3099,"end":1194.99,"sentiment":"neutral","sentiment_score":0.05688044906128198}],"sentiment":"neutral","sentiment_score":0.12285382321615722,"num_words":102,"start":1168.725,"end":1194.99},{"sentences":[{"text":"So when we are investing in investments in our super, we have lots of different investment options to choose from.","start":1194.99,"end":1200.825,"sentiment":"neutral","sentiment_score":0.0814799627289176},{"text":"And the point of having some of that ban along in your investment profile or in your investments back when you came on board was to have a little bit of active management in there.","start":1200.885,"end":1209.66,"sentiment":"neutral","sentiment_score":0.09457273398126875},{"text":"Now one of the benefits of having these sort of active managers in your profile or in your investments is that they are trying to buy and sell so that they can try and outperform against the market or the benchmark that they're trying to follow along with.","start":1209.8201,"end":1222.035,"sentiment":"positive","sentiment_score":0.3460642707844575},{"text":"However, over the longer term, there's no guarantees they're going to, and quite often active managers don't outperform the market.","start":1222.515,"end":1228.6951,"sentiment":"neutral","sentiment_score":-0.07500556372106075},{"text":"We can look at other styles like passive investing, which can be often a little bit cheaper.","start":1229.635,"end":1234.855,"sentiment":"neutral","sentiment_score":0.19405990269254236}],"sentiment":"neutral","sentiment_score":0.16678312152091945,"num_words":140,"start":1194.99,"end":1234.855},{"sentences":[{"text":"You don't have those active managers there.","start":1234.92,"end":1236.8401,"sentiment":"neutral","sentiment_score":0.08249524022851672},{"text":"They're not trying to outperform the market.","start":1236.8401,"end":1238.52,"sentiment":"neutral","sentiment_score":0.15325538601194108},{"text":"You're just tracking the market.","start":1238.52,"end":1239.8,"sentiment":"neutral","sentiment_score":0.24253567457199096},{"text":"And quite often, just being in participating in the market and tracking a certain benchmark, you can actually do much better, than those active managers are trying to do.","start":1239.8,"end":1248.7251,"sentiment":"neutral","sentiment_score":0.32132454935846655},{"text":"Did you want me to look at something more lower cost like that, so that a passive managements management style for your investment?","start":1248.7251,"end":1255.4651,"sentiment":"neutral","sentiment_score":0.17445528863564783}],"sentiment":"neutral","sentiment_score":0.22808192009237452,"num_words":71,"start":1234.92,"end":1255.4651},{"sentences":[{"text":"Mhmm.","start":1258.7251,"end":1259.2251,"sentiment":"neutral","sentiment_score":0.12870711088180542},{"text":"Yeah.","start":1259.8451,"end":1260.3451,"sentiment":"neutral","sentiment_score":0.08330762386322021},{"text":"Perfect.","start":1262.405,"end":1262.905,"sentiment":"positive","sentiment_score":0.45848995447158813},{"text":"And have you do you log in to your Netwealth, sorry, option?","start":1263.57,"end":1266.37,"sentiment":"neutral","sentiment_score":0.08002415144195159},{"text":"Do you have a look at the investments and where the money is sort of invested?","start":1266.37,"end":1270.87,"sentiment":"neutral","sentiment_score":0.041538281133398414}],"sentiment":"neutral","sentiment_score":0.07404538724691637,"num_words":31,"start":1258.7251,"end":1270.87},{"sentences":[{"text":"No.","start":1273.89,"end":1274.13,"sentiment":"neutral","sentiment_score":-0.07160630077123642},{"text":"That's okay.","start":1274.13,"end":1274.85,"sentiment":"neutral","sentiment_score":0.008131897076964378},{"text":"Because there is one other option I sort of wanted to bring out.","start":1274.85,"end":1277.25,"sentiment":"neutral","sentiment_score":0.056047278528030105},{"text":"So over the course of the last twelve months, our investment committee have teamed up with BlackRock, which is one of Australia's largest investment firms.","start":1277.25,"end":1284.605,"sentiment":"neutral","sentiment_score":0.07166858226060867},{"text":"Essentially, they've built what's called a an SMA or a separately managed account.","start":1284.9249,"end":1288.865,"sentiment":"neutral","sentiment_score":0.056443747849418566}],"sentiment":"neutral","sentiment_score":0.05923621097786559,"num_words":54,"start":1273.89,"end":1288.865},{"sentences":[{"text":"One of the benefits of these separately managed accounts is while you lose a little bit of visibility, essentially, once you log in to your super fund, all you see is how much you've got there and the estimate.","start":1289.0049,"end":1299.07,"sentiment":"neutral","sentiment_score":0.08371927742010508},{"text":"We can give you trade reports and give you a bit more detail of on the the underlying.","start":1299.37,"end":1303.63,"sentiment":"neutral","sentiment_score":0.11017329147499469},{"text":"But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place.","start":1304.01,"end":1321.71,"sentiment":"neutral","sentiment_score":0.19902458656252475},{"text":"Or if the market was may making a bit of a turn or COVID was coming or we sort of saw something that needed to change, we would be able to make these changes to your profile very quickly without having to call and update advice documents.","start":1321.71,"end":1333.1699,"sentiment":"neutral","sentiment_score":0.24878347696776085},{"text":"The reason we haven't been able to with Bannalung at the moment is that because when you came on board, you were provided the advice document with these rest with these investments recommended, we've had to keep you in line with that risk profile and with those investments that were recommended to you.","start":1333.5499,"end":1348.025,"sentiment":"neutral","sentiment_score":-0.033705322423352384}],"sentiment":"neutral","sentiment_score":0.12382716742544392,"num_words":214,"start":1289.0049,"end":1348.025},{"sentences":[{"text":"And in order to update any of those, we currently have to provide a new advice document to you and go through all the the conversation that we're having today.","start":1348.025,"end":1355.49,"sentiment":"neutral","sentiment_score":0.022580509384473164},{"text":"If we did look at this, SMA, the separately managed account, as I mentioned, you lose a little bit of visibility on the investments that you're in.","start":1355.7899,"end":1363.33,"sentiment":"neutral","sentiment_score":-0.06361819113846179},{"text":"However, we can provide regular change reports, and it does give a few a lot more control around changing the underlying investments for you.","start":1363.39,"end":1371.185,"sentiment":"positive","sentiment_score":0.36683132002751034},{"text":"It can be a bit more low cost as well.","start":1371.185,"end":1373.365,"sentiment":"positive","sentiment_score":0.4448897629976273},{"text":"Did you want me to have a look at something like the SMA?","start":1373.8251,"end":1376.485,"sentiment":"neutral","sentiment_score":0.0753777905438955}],"sentiment":"neutral","sentiment_score":0.12685081450483546,"num_words":104,"start":1348.025,"end":1376.485},{"sentences":[{"text":"Or no.","start":1376.545,"end":1386.55,"sentiment":"neutral","sentiment_score":-0.09472956880927086},{"text":"Well, essentially, it's just the investment.","start":1386.55,"end":1388.41,"sentiment":"neutral","sentiment_score":-0.042529293025533356},{"text":"So if I have a look at the the SMA for you, it's just changing the investments within that within your super.","start":1388.63,"end":1397.085,"sentiment":"neutral","sentiment_score":0.08541687374765222},{"text":"Yeah.","start":1400.105,"end":1400.605,"sentiment":"neutral","sentiment_score":0.2736464738845825},{"text":"Are you comfortable with me having a look at it?","start":1402.425,"end":1404.505,"sentiment":"neutral","sentiment_score":0.15974549800157548}],"sentiment":"neutral","sentiment_score":0.08062531172138888,"num_words":41,"start":1376.545,"end":1404.505},{"sentences":[{"text":"I know there's kind of a lot that we sort of touched on today, and it it sounds like it's gonna be a lot.","start":1404.505,"end":1408.745,"sentiment":"neutral","sentiment_score":-0.032648687871793904},{"text":"But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all?","start":1408.745,"end":1419.02,"sentiment":"neutral","sentiment_score":0.07775010820478201},{"text":"Yeah?","start":1421.8,"end":1422.28,"sentiment":"neutral","sentiment_score":0.17110247910022736},{"text":"Oh, good.","start":1422.28,"end":1422.68,"sentiment":"positive","sentiment_score":0.4559943675994873},{"text":"No worries.","start":1422.68,"end":1423.16,"sentiment":"neutral","sentiment_score":0.24277114123106003}],"sentiment":"neutral","sentiment_score":0.05866324911256889,"num_words":77,"start":1404.505,"end":1423.16},{"sentences":[{"text":"I know sometimes I'm going through a lot, and I'm asking you a lot questions and try to explain yeah.","start":1423.16,"end":1427.615,"sentiment":"neutral","sentiment_score":0.07946550492197275},{"text":"Go through it all with you.","start":1427.615,"end":1428.495,"sentiment":"neutral","sentiment_score":0.10155617694060008},{"text":"There is a lot to consider, and it does seem like a lot.","start":1428.495,"end":1431.075,"sentiment":"neutral","sentiment_score":0.0675668795234882},{"text":"But if you want, you can utilize me to the best of your capacity.","start":1431.2949,"end":1434.255,"sentiment":"neutral","sentiment_score":0.21571293153933116},{"text":"I'll go back and do all the research with my team.","start":1434.255,"end":1436.495,"sentiment":"neutral","sentiment_score":0.1880866912278262}],"sentiment":"neutral","sentiment_score":0.1275929881085176,"num_words":64,"start":1423.16,"end":1436.495},{"sentences":[{"text":"We'll come up with the advice document for you.","start":1436.495,"end":1438.4149,"sentiment":"neutral","sentiment_score":0.1619331431057718},{"text":"We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile.","start":1438.4149,"end":1445.2201,"sentiment":"neutral","sentiment_score":0.05586700657890602},{"text":"I can factor in salary sacrificing for you, and then I'll come back with the advice document.","start":1445.28,"end":1450.18,"sentiment":"neutral","sentiment_score":0.0690090838162338},{"text":"When you and I go through it together, I'll show you it so you can see it page by page, and then you get to take it away and read it.","start":1450.4801,"end":1456.995,"sentiment":"neutral","sentiment_score":0.09028730313143422},{"text":"That way, you've got some time to take it in.","start":1456.995,"end":1459.235,"sentiment":"neutral","sentiment_score":0.09608946926891804}],"sentiment":"neutral","sentiment_score":0.08561154996997185,"num_words":89,"start":1436.495,"end":1459.235},{"sentences":[{"text":"Is that okay?","start":1459.235,"end":1460.135,"sentiment":"neutral","sentiment_score":0.10114499926567078},{"text":"Yeah?","start":1460.755,"end":1461.255,"sentiment":"neutral","sentiment_score":0.17840367555618286},{"text":"No worries.","start":1463.075,"end":1463.895,"sentiment":"neutral","sentiment_score":0.15628169476985931},{"text":"Look.","start":1464.2,"end":1464.36,"sentiment":"neutral","sentiment_score":0.11213065683841704},{"text":"I know I've asked you everything under the sun there.","start":1464.36,"end":1467.18,"sentiment":"neutral","sentiment_score":0.08115104883909226}],"sentiment":"neutral","sentiment_score":0.10106136518366196,"num_words":17,"start":1459.235,"end":1467.18},{"sentences":[{"text":"Did you have any other questions for me?","start":1467.24,"end":1469.16,"sentiment":"neutral","sentiment_score":0.05157943395897746},{"text":"Did you want me to break down any of that for you?","start":1469.16,"end":1471.48,"sentiment":"neutral","sentiment_score":0.053585827350616455},{"text":"Did you have any other questions about your super or anything?","start":1471.48,"end":1475.26,"sentiment":"neutral","sentiment_score":0.022162503816864708},{"text":"Yeah.","start":1478.8151,"end":1479.3151,"sentiment":"neutral","sentiment_score":0.06562259793281555},{"text":"No.","start":1479.375,"end":1479.695,"sentiment":"neutral","sentiment_score":0.08723486959934235}],"sentiment":"neutral","sentiment_score":0.04400940634536021,"num_words":33,"start":1467.24,"end":1479.695},{"sentences":[{"text":"That's okay.","start":1479.695,"end":1480.415,"sentiment":"neutral","sentiment_score":0.14347241818904877},{"text":"Not a problem at all.","start":1480.415,"end":1481.295,"sentiment":"neutral","sentiment_score":0.24427659511566163},{"text":"Well, what I'll do is I'll go back and do the research there for you.","start":1481.295,"end":1483.695,"sentiment":"neutral","sentiment_score":0.22172373831272124},{"text":"As I mentioned, it takes a couple of weeks to put those together for you.","start":1483.695,"end":1486.915,"sentiment":"neutral","sentiment_score":0.16443080256382625},{"text":"I'll come back with the advice document.","start":1487.055,"end":1488.735,"sentiment":"neutral","sentiment_score":0.18432346412113734}],"sentiment":"neutral","sentiment_score":0.19524795849892226,"num_words":44,"start":1479.695,"end":1488.735},{"sentences":[{"text":"We'll go through it together, and then you'll be able to ask any questions you have.","start":1488.735,"end":1491.6799,"sentiment":"neutral","sentiment_score":0.22181577887386084},{"text":"You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board.","start":1491.6799,"end":1498.74,"sentiment":"neutral","sentiment_score":0.17428260296583176},{"text":"Okay?","start":1498.7999,"end":1499.2999,"sentiment":"neutral","sentiment_score":0.15136826038360596},{"text":"I think not a problem at all.","start":1502.0,"end":1503.94,"sentiment":"positive","sentiment_score":0.37293422647884916},{"text":"If you have any questions in the meantime, I will get that email out to you very shortly.","start":1504.1849,"end":1508.0249,"sentiment":"neutral","sentiment_score":0.19561343433128464}],"sentiment":"neutral","sentiment_score":0.21234522116455165,"num_words":66,"start":1488.735,"end":1508.0249},{"sentences":[{"text":"So if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat.","start":1508.0249,"end":1515.485,"sentiment":"neutral","sentiment_score":0.21341939321879683},{"text":"Not a problem at all.","start":1518.44,"end":1519.72,"sentiment":"positive","sentiment_score":0.3375190258026123},{"text":"Are you on your way home now?","start":1519.72,"end":1521.08,"sentiment":"neutral","sentiment_score":0.1254304934825216},{"text":"You hopefully go home, put your feet up for a little bit.","start":1521.08,"end":1523.5,"sentiment":"neutral","sentiment_score":0.19257717579603195},{"text":"Perfect.","start":1526.12,"end":1526.62,"sentiment":"positive","sentiment_score":0.5797410011291504}],"sentiment":"neutral","sentiment_score":0.21565626106328434,"num_words":54,"start":1508.0249,"end":1526.62},{"sentences":[{"text":"Perfect.","start":1526.76,"end":1527.08,"sentiment":"positive","sentiment_score":0.6080834865570068},{"text":"Well, thank you so much for your time.","start":1527.08,"end":1528.76,"sentiment":"positive","sentiment_score":0.732554666697979},{"text":"I really appreciate you going through with me.","start":1528.76,"end":1530.895,"sentiment":"positive","sentiment_score":0.7441326677799225},{"text":"I'll get working on this for you, and, yeah, I'll get this email out to you this afternoon so you've got something to have a bit of a think about.","start":1530.895,"end":1537.287,"sentiment":"positive","sentiment_score":0.46753350098927815},{"text":"My pleasure, Pathelia.","start":1539.847,"end":1540.907,"sentiment":"positive","sentiment_score":0.6080564061800638}],"sentiment":"positive","sentiment_score":0.5654351282119751,"num_words":50,"start":1526.76,"end":1540.907},{"sentences":[{"text":"Have a great afternoon.","start":1541.047,"end":1542.1069,"sentiment":"positive","sentiment_score":0.69983871281147},{"text":"Thanks.","start":1543.927,"end":1544.407,"sentiment":"positive","sentiment_score":0.48408010601997375},{"text":"See you later.","start":1544.407,"end":1545.207,"sentiment":"positive","sentiment_score":0.3340512216091156},{"text":"Bye.","start":1545.207,"end":1545.707,"sentiment":"neutral","sentiment_score":0.14358870685100555}],"sentiment":"positive","sentiment_score":0.492130814327134,"num_words":9,"start":1541.047,"end":1545.707}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Yeah. That's fine. I'm just driving home. Yes. I can. Yep. I was pretty Really? Yeah. Yes. 02/23/1977. Six months before, Rosalind, and Cecilia Anne Broaddus. Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna be taken out of sort of grow it. It was $30,000. Well, at the moment, my husband's car husband's car needs to be replaced. So, yeah, they're sort of tossing up what to do and how much we borrow and hopefully not cut any of that. But if we have to, then we have to. So yep. Definitely definitely don't wanna use all of it. That's for sure. Yeah. We've been tossing all of that up as well. So yep. I don't know. I have didn't think that was a possibility. It It does. Yeah. Yep. Yeah. I think that would. Yeah. Yep. Okay. Yeah. That would be great, actually. Yeah. Yeah. Exactly right. Yes. Sorry? I said it's always easy to spend the money, but definitely not easy to make that sort of money. Yes. That would be great. I couldn't it wouldn't hurt to to prompt me for sure. Because, yeah, I'm always so busy that sometimes I and, you know, expect to be able to do everything and be on top of it all, but so it's definitely, like, popped up. So I checked it. Yes. Beautiful. I just obviously making sure that the Subaru is growing. Because when I I joined up with you guys, I didn't have much in my coupon. And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine. With with my choices of what to invest it in? Yes. Yep. And the phone yeah. Because we did signal speed this year. We're a little bit high. And that's sort of each away on what you're trying to to grow. No. I'd I'd be open for the suggestion. Yeah. Yep. Okay. Yes. Alright. Everyone put away love too. But yeah. No. I can't see that happening, to be honest. Yeah. Probably the moderate one, I think. Yeah. Because medium to high, sort of a little bit open to high, but I'm gonna Yeah. I've always looked at possibly putting extra into the super, but big family, not achievable. Week probably I think where I've got extra curriculum, full fees, sort of thing that's gonna come out. Yeah. So it's it's sort of going up and down in ways. Probably fifth or ninth. Yeah. Definitely a bit of concern. Yes. Yeah. No. I only borrow from property. Yeah. Yeah. No. We would we would like to, but, yeah, not quite at the moment, unfortunately. I'm not sure what time frame, really. Yeah. I think so. Yeah. Yeah. I think if it's lower yeah. Like, lower cost to us. Yep. Sure. No. Not very often at all, really. Maybe. But then it might be a bit overwhelming with all of the advice that you're gonna be giving me by the standard. Okay. Yep. Yep. Yeah. That wouldn't hurt. Yes. Mhmm. Okay. Yes. That's beautiful. Yeah. No. I think we might have covered everything. Okay. Beautiful. Thank you. Okay. Sounds great. Yeah. 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Yes. Yeah. That's fine. I'm just driving home.\n\nYes. I can. Yep. I was pretty Really? Yeah.\n\nYes. 02/23/1977. Six months before, Rosalind, and Cecilia Anne Broaddus. Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna be taken out of sort of grow it. It was $30,000.\n\nWell, at the moment, my husband's car husband's car needs to be replaced. So, yeah, they're sort of tossing up what to do and how much we borrow and hopefully not cut any of that. But if we have to, then we have to. So yep. Definitely definitely don't wanna use all of it.\n\nThat's for sure. Yeah. We've been tossing all of that up as well. So yep. I don't know.\n\nI have didn't think that was a possibility. It It does. Yeah. Yep. Yeah.\n\nI think that would. Yeah. Yep. Okay. Yeah.\n\nThat would be great, actually. Yeah. Yeah. Exactly right. Yes.\n\nSorry? I said it's always easy to spend the money, but definitely not easy to make that sort of money. Yes. That would be great. I couldn't it wouldn't hurt to to prompt me for sure.\n\nBecause, yeah, I'm always so busy that sometimes I and, you know, expect to be able to do everything and be on top of it all, but so it's definitely, like, popped up. So I checked it. Yes. Beautiful. I just obviously making sure that the Subaru is growing.\n\nBecause when I I joined up with you guys, I didn't have much in my coupon. And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine. With with my choices of what to invest it in? Yes. Yep.\n\nAnd the phone yeah. Because we did signal speed this year. We're a little bit high. And that's sort of each away on what you're trying to to grow. No.\n\nI'd I'd be open for the suggestion. Yeah. Yep. Okay. Yes.\n\nAlright. Everyone put away love too. But yeah. No. I can't see that happening, to be honest.\n\nYeah. Probably the moderate one, I think. Yeah. Because medium to high, sort of a little bit open to high, but I'm gonna Yeah. I've always looked at possibly putting extra into the super, but big family, not achievable.\n\nWeek probably I think where I've got extra curriculum, full fees, sort of thing that's gonna come out. Yeah. So it's it's sort of going up and down in ways. Probably fifth or ninth. Yeah.\n\nDefinitely a bit of concern. Yes. Yeah. No. I only borrow from property.\n\nYeah. Yeah. No. We would we would like to, but, yeah, not quite at the moment, unfortunately. I'm not sure what time frame, really.\n\nYeah. I think so. Yeah. Yeah. I think if it's lower yeah.\n\nLike, lower cost to us. Yep. Sure. No. Not very often at all, really.\n\nMaybe. But then it might be a bit overwhelming with all of the advice that you're gonna be giving me by the standard. Okay. Yep. Yep.\n\nYeah. That wouldn't hurt. Yes. Mhmm. Okay.\n\nYes. That's beautiful. Yeah. No. I think we might have covered everything.\n\nOkay. Beautiful. Thank you. Okay. Sounds great.\n\nYeah. It's nearly there. Yep. Yep. Thank you.\n\nThanks. You too. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.0400354266166687},{"text":"Yes.","start":21.255,"end":21.415,"sentiment":"neutral","sentiment_score":0.12773357331752777},{"text":"Yeah.","start":21.415,"end":21.654999,"sentiment":"neutral","sentiment_score":0.15237072110176086},{"text":"That's fine.","start":21.654999,"end":22.215,"sentiment":"neutral","sentiment_score":0.23051361739635468},{"text":"I'm just driving home.","start":22.215,"end":23.515,"sentiment":"neutral","sentiment_score":0.14248500391840935}],"sentiment":"neutral","sentiment_score":0.15012299683358934,"num_words":9,"start":1.5999999,"end":23.515},{"sentences":[{"text":"Yes.","start":32.23,"end":32.55,"sentiment":"neutral","sentiment_score":0.0823485404253006},{"text":"I can.","start":32.55,"end":32.949997,"sentiment":"neutral","sentiment_score":0.10357067734003067},{"text":"Yep.","start":32.949997,"end":33.449997,"sentiment":"neutral","sentiment_score":0.12019096314907074},{"text":"I was pretty Really?","start":36.79,"end":38.165,"sentiment":"neutral","sentiment_score":0.09069512970745564},{"text":"Yeah.","start":48.704998,"end":49.204998,"sentiment":"neutral","sentiment_score":0.056582383811473846}],"sentiment":"neutral","sentiment_score":0.09211597343285878,"num_words":9,"start":32.23,"end":49.204998},{"sentences":[{"text":"Yes.","start":51.024998,"end":51.36,"sentiment":"neutral","sentiment_score":0.12542201578617096},{"text":"02/23/1977.","start":60.48,"end":63.14,"sentiment":"neutral","sentiment_score":0.01294076442718506},{"text":"Six months before, Rosalind, and Cecilia Anne Broaddus.","start":63.2,"end":70.535,"sentiment":"neutral","sentiment_score":0.13198200659826398},{"text":"Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna be taken out of sort of grow it.","start":86.44,"end":97.915,"sentiment":"neutral","sentiment_score":-0.04530301554178869},{"text":"It was $30,000.","start":104.375,"end":105.81,"sentiment":"neutral","sentiment_score":0.04529376079638799}],"sentiment":"neutral","sentiment_score":-0.006922229193150997,"num_words":50,"start":51.024998,"end":105.81},{"sentences":[{"text":"Well, at the moment, my husband's car husband's car needs to be replaced.","start":149.05,"end":153.645,"sentiment":"neutral","sentiment_score":-0.1947599695279048},{"text":"So, yeah, they're sort of tossing up what to do and how much we borrow and hopefully not cut any of that.","start":154.585,"end":161.545,"sentiment":"neutral","sentiment_score":-0.14509850080040368},{"text":"But if we have to, then we have to.","start":161.545,"end":163.225,"sentiment":"neutral","sentiment_score":-0.10359446042113835},{"text":"So yep.","start":163.225,"end":174.17,"sentiment":"neutral","sentiment_score":-0.0037360663991421465},{"text":"Definitely definitely don't wanna use all of it.","start":174.47,"end":179.11,"sentiment":"neutral","sentiment_score":-0.266224802704528}],"sentiment":"neutral","sentiment_score":-0.16284569110548883,"num_words":54,"start":149.05,"end":179.11},{"sentences":[{"text":"That's for sure.","start":179.11,"end":191.815,"sentiment":"neutral","sentiment_score":0.05319374427199364},{"text":"Yeah.","start":192.675,"end":192.99501,"sentiment":"neutral","sentiment_score":0.20900733768939972},{"text":"We've been tossing all of that up as well.","start":192.99501,"end":194.87001,"sentiment":"neutral","sentiment_score":0.2131201128164927},{"text":"So yep.","start":194.87001,"end":195.85,"sentiment":"neutral","sentiment_score":0.12954863905906677},{"text":"I don't know.","start":220.405,"end":221.045,"sentiment":"neutral","sentiment_score":-0.16517236332098642}],"sentiment":"neutral","sentiment_score":0.11390276522272164,"num_words":18,"start":179.11,"end":221.045},{"sentences":[{"text":"I have didn't think that was a possibility.","start":221.045,"end":223.12,"sentiment":"negative","sentiment_score":-0.3457241468131542},{"text":"It It does.","start":331.06,"end":331.845,"sentiment":"neutral","sentiment_score":0.22207513451576233},{"text":"Yeah.","start":331.845,"end":332.245,"sentiment":"neutral","sentiment_score":0.21850769221782684},{"text":"Yep.","start":332.245,"end":332.745,"sentiment":"neutral","sentiment_score":0.25399312376976013},{"text":"Yeah.","start":364.19498,"end":364.435,"sentiment":"neutral","sentiment_score":0.1038159728050232}],"sentiment":"neutral","sentiment_score":-0.10880364158323833,"num_words":14,"start":221.045,"end":364.435},{"sentences":[{"text":"I think that would.","start":364.435,"end":365.235,"sentiment":"neutral","sentiment_score":0.13886353000998497},{"text":"Yeah.","start":365.235,"end":365.63498,"sentiment":"neutral","sentiment_score":0.1769828498363495},{"text":"Yep.","start":365.63498,"end":366.13498,"sentiment":"neutral","sentiment_score":0.20579731464385984},{"text":"Okay.","start":395.68,"end":396.18,"sentiment":"neutral","sentiment_score":0.09855536371469498},{"text":"Yeah.","start":422.27,"end":422.43,"sentiment":"neutral","sentiment_score":0.3281153440475464}],"sentiment":"neutral","sentiment_score":0.17061312403529882,"num_words":8,"start":364.435,"end":422.43},{"sentences":[{"text":"That would be great, actually.","start":422.43,"end":423.65,"sentiment":"positive","sentiment_score":0.6168144583702088},{"text":"Yeah.","start":423.79,"end":424.29,"sentiment":"positive","sentiment_score":0.451745480298996},{"text":"Yeah.","start":436.925,"end":437.16498,"sentiment":"neutral","sentiment_score":0.20546087622642517},{"text":"Exactly right.","start":437.16498,"end":438.28497,"sentiment":"neutral","sentiment_score":0.2932770699262619},{"text":"Yes.","start":438.28497,"end":438.78497,"sentiment":"neutral","sentiment_score":0.21265485882759097}],"sentiment":"positive","sentiment_score":0.45404876470565797,"num_words":10,"start":422.43,"end":438.78497},{"sentences":[{"text":"Sorry?","start":444.35,"end":444.85,"sentiment":"neutral","sentiment_score":-0.05905475839972496},{"text":"I said it's always easy to spend the money, but definitely not easy to make that sort of money.","start":447.63,"end":454.215,"sentiment":"neutral","sentiment_score":-0.1957769911540182},{"text":"Yes.","start":485.165,"end":485.405,"sentiment":"neutral","sentiment_score":0.26606547832489014},{"text":"That would be great.","start":485.405,"end":486.54498,"sentiment":"positive","sentiment_score":0.503384567797184},{"text":"I couldn't it wouldn't hurt to to prompt me for sure.","start":498.14,"end":501.28,"sentiment":"neutral","sentiment_score":0.14105867120352658}],"sentiment":"neutral","sentiment_score":0.0014564317340652149,"num_words":36,"start":444.35,"end":501.28},{"sentences":[{"text":"Because, yeah, I'm always so busy that sometimes I and, you know, expect to be able to do everything and be on top of it all, but so it's definitely, like, popped up.","start":501.74002,"end":513.305,"sentiment":"neutral","sentiment_score":-0.04348932212275086},{"text":"So I checked it.","start":513.525,"end":514.66504,"sentiment":"neutral","sentiment_score":0.024373690132051706},{"text":"Yes.","start":544.755,"end":545.04,"sentiment":"positive","sentiment_score":0.3438519537448883},{"text":"Beautiful.","start":545.44,"end":545.94,"sentiment":"positive","sentiment_score":0.6314239501953125},{"text":"I just obviously making sure that the Subaru is growing.","start":554.8,"end":558.325,"sentiment":"neutral","sentiment_score":0.07020410224795341}],"sentiment":"neutral","sentiment_score":0.006931919528513538,"num_words":49,"start":501.74002,"end":558.325},{"sentences":[{"text":"Because when I I joined up with you guys, I didn't have much in my coupon.","start":559.425,"end":562.965,"sentiment":"neutral","sentiment_score":-0.031014394015073776},{"text":"And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine.","start":564.78503,"end":576.57996,"sentiment":"neutral","sentiment_score":0.03970943205058575},{"text":"With with my choices of what to invest it in?","start":590.65497,"end":595.235,"sentiment":"neutral","sentiment_score":-0.03805129658430815},{"text":"Yes.","start":717.605,"end":718.085,"sentiment":"neutral","sentiment_score":0.05980586260557175},{"text":"Yep.","start":718.085,"end":718.485,"sentiment":"neutral","sentiment_score":0.048621200025081635}],"sentiment":"neutral","sentiment_score":0.006134783749335578,"num_words":56,"start":559.425,"end":718.485},{"sentences":[{"text":"And the phone yeah.","start":718.485,"end":719.285,"sentiment":"neutral","sentiment_score":0.01774062542244792},{"text":"Because we did signal speed this year.","start":719.285,"end":720.85004,"sentiment":"neutral","sentiment_score":0.017093940238867487},{"text":"We're a little bit high.","start":720.85004,"end":722.23004,"sentiment":"neutral","sentiment_score":-0.12988265603780746},{"text":"And that's sort of each away on what you're trying to to grow.","start":723.65,"end":727.83,"sentiment":"neutral","sentiment_score":-0.2037527859210968},{"text":"No.","start":743.265,"end":743.505,"sentiment":"neutral","sentiment_score":0.03969018906354904}],"sentiment":"neutral","sentiment_score":-0.10226297415792943,"num_words":30,"start":718.485,"end":743.505},{"sentences":[{"text":"I'd I'd be open for the suggestion.","start":743.505,"end":744.98,"sentiment":"neutral","sentiment_score":0.08133895322680473},{"text":"Yeah.","start":744.98,"end":745.48,"sentiment":"neutral","sentiment_score":0.1662050187587738},{"text":"Yep.","start":745.94,"end":746.44,"sentiment":"neutral","sentiment_score":0.17647111415863037},{"text":"Okay.","start":767.795,"end":768.295,"sentiment":"neutral","sentiment_score":0.11016380041837692},{"text":"Yes.","start":808.725,"end":809.225,"sentiment":"neutral","sentiment_score":0.0750703364610672}],"sentiment":"neutral","sentiment_score":0.09975299476222559,"num_words":11,"start":743.505,"end":809.225},{"sentences":[{"text":"Alright.","start":816.64496,"end":817.14496,"sentiment":"neutral","sentiment_score":0.041823610663414},{"text":"Everyone put away love too.","start":839.575,"end":840.935,"sentiment":"negative","sentiment_score":-0.40146489143371583},{"text":"But yeah.","start":840.935,"end":841.415,"sentiment":"neutral","sentiment_score":-0.2741071730852127},{"text":"No.","start":841.415,"end":841.915,"sentiment":"negative","sentiment_score":-0.377507209777832},{"text":"I can't see that happening, to be honest.","start":842.255,"end":847.01,"sentiment":"neutral","sentiment_score":-0.2988391104154289}],"sentiment":"neutral","sentiment_score":-0.31070207563393254,"num_words":17,"start":816.64496,"end":847.01},{"sentences":[{"text":"Yeah.","start":873.73,"end":874.05,"sentiment":"neutral","sentiment_score":0.016209885478019714},{"text":"Probably the moderate one, I think.","start":874.05,"end":876.14996,"sentiment":"neutral","sentiment_score":0.035548338976999126},{"text":"Yeah.","start":878.13,"end":878.44995,"sentiment":"neutral","sentiment_score":0.1293761134147644},{"text":"Because medium to high, sort of a little bit open to high, but I'm gonna Yeah.","start":878.44995,"end":916.295,"sentiment":"neutral","sentiment_score":0.06705629755742848},{"text":"I've always looked at possibly putting extra into the super, but big family, not achievable.","start":916.295,"end":922.395,"sentiment":"neutral","sentiment_score":-0.0745367685953776}],"sentiment":"neutral","sentiment_score":0.008044237557512064,"num_words":39,"start":873.73,"end":922.395},{"sentences":[{"text":"Week probably I think where I've got extra curriculum, full fees, sort of thing that's gonna come out.","start":948.19,"end":956.13,"sentiment":"neutral","sentiment_score":-0.08862195412317912},{"text":"Yeah.","start":957.23004,"end":957.55005,"sentiment":"neutral","sentiment_score":-0.07210664451122284},{"text":"So it's it's sort of going up and down in ways.","start":957.55005,"end":960.645,"sentiment":"neutral","sentiment_score":-0.13718943771990863},{"text":"Probably fifth or ninth.","start":1014.915,"end":1016.53503,"sentiment":"neutral","sentiment_score":0.010933816200122237},{"text":"Yeah.","start":1035.67,"end":1036.17,"sentiment":"neutral","sentiment_score":0.19632884860038757}],"sentiment":"neutral","sentiment_score":-0.08389490057847329,"num_words":35,"start":948.19,"end":1036.17},{"sentences":[{"text":"Definitely a bit of concern.","start":1059.2899,"end":1060.51,"sentiment":"neutral","sentiment_score":-0.2172545909881592},{"text":"Yes.","start":1060.57,"end":1061.07,"sentiment":"neutral","sentiment_score":0.01322856731712818},{"text":"Yeah.","start":1073.2949,"end":1073.535,"sentiment":"neutral","sentiment_score":-0.0009479187428951265},{"text":"No.","start":1073.535,"end":1073.775,"sentiment":"neutral","sentiment_score":-0.0375848300755024},{"text":"I only borrow from property.","start":1073.775,"end":1075.235,"sentiment":"neutral","sentiment_score":-0.030368588492274286}],"sentiment":"neutral","sentiment_score":-0.09718615991564897,"num_words":13,"start":1059.2899,"end":1075.235},{"sentences":[{"text":"Yeah.","start":1085.71,"end":1086.03,"sentiment":"neutral","sentiment_score":0.048128943890333176},{"text":"Yeah.","start":1086.03,"end":1086.51,"sentiment":"neutral","sentiment_score":0.011672155000269411},{"text":"No.","start":1086.51,"end":1086.99,"sentiment":"neutral","sentiment_score":-0.031616829335689545},{"text":"We would we would like to, but, yeah, not quite at the moment, unfortunately.","start":1086.99,"end":1092.13,"sentiment":"neutral","sentiment_score":-0.08124956408781665},{"text":"I'm not sure what time frame, really.","start":1102.7151,"end":1104.5751,"sentiment":"neutral","sentiment_score":-0.08578275144100189}],"sentiment":"neutral","sentiment_score":-0.07124120365673055,"num_words":24,"start":1085.71,"end":1104.5751},{"sentences":[{"text":"Yeah.","start":1165.22,"end":1165.4601,"sentiment":"neutral","sentiment_score":0.06746552884578705},{"text":"I think so.","start":1165.4601,"end":1166.18,"sentiment":"neutral","sentiment_score":0.08275032291809718},{"text":"Yeah.","start":1166.18,"end":1166.68,"sentiment":"neutral","sentiment_score":0.10353606939315796},{"text":"Yeah.","start":1256.1499,"end":1256.47,"sentiment":"neutral","sentiment_score":0.1527915596961975},{"text":"I think if it's lower yeah.","start":1256.47,"end":1259.315,"sentiment":"neutral","sentiment_score":0.171708049873511}],"sentiment":"neutral","sentiment_score":0.13352436882754168,"num_words":12,"start":1165.22,"end":1259.315},{"sentences":[{"text":"Like, lower cost to us.","start":1259.315,"end":1260.9149,"sentiment":"neutral","sentiment_score":0.12105747014284134},{"text":"Yep.","start":1260.9149,"end":1261.235,"sentiment":"neutral","sentiment_score":0.15029039978981018},{"text":"Sure.","start":1261.235,"end":1261.735,"sentiment":"neutral","sentiment_score":0.3255762457847595},{"text":"No.","start":1271.4801,"end":1271.88,"sentiment":"neutral","sentiment_score":-0.06607905775308609},{"text":"Not very often at all, really.","start":1271.88,"end":1273.5,"sentiment":"neutral","sentiment_score":-0.1009273591140906}],"sentiment":"neutral","sentiment_score":0.029250770275081907,"num_words":14,"start":1259.315,"end":1273.5},{"sentences":[{"text":"Maybe.","start":1379.7351,"end":1380.135,"sentiment":"neutral","sentiment_score":-0.021247103810310364},{"text":"But then it might be a bit overwhelming with all of the advice that you're gonna be giving me by the standard.","start":1380.135,"end":1384.4751,"sentiment":"neutral","sentiment_score":-0.3073196231641553},{"text":"Okay.","start":1398.3899,"end":1398.87,"sentiment":"neutral","sentiment_score":0.12809988856315613},{"text":"Yep.","start":1398.87,"end":1399.37,"sentiment":"neutral","sentiment_score":0.1527387499809265},{"text":"Yep.","start":1399.4299,"end":1399.9299,"sentiment":"neutral","sentiment_score":0.1966257095336914}],"sentiment":"neutral","sentiment_score":-0.24249286405169046,"num_words":26,"start":1379.7351,"end":1399.9299},{"sentences":[{"text":"Yeah.","start":1419.84,"end":1420.34,"sentiment":"neutral","sentiment_score":0.13147424161434174},{"text":"That wouldn't hurt.","start":1420.4,"end":1421.2,"sentiment":"neutral","sentiment_score":0.22864778836568198},{"text":"Yes.","start":1421.2,"end":1421.7,"sentiment":"neutral","sentiment_score":0.20194220542907715},{"text":"Mhmm.","start":1455.585,"end":1456.085,"sentiment":"neutral","sentiment_score":0.009836046025156977},{"text":"Okay.","start":1459.745,"end":1460.245,"sentiment":"neutral","sentiment_score":0.08970511704683304}],"sentiment":"neutral","sentiment_score":0.1598429964589221,"num_words":7,"start":1419.84,"end":1460.245},{"sentences":[{"text":"Yes.","start":1460.5449,"end":1460.945,"sentiment":"neutral","sentiment_score":0.13359804451465607},{"text":"That's beautiful.","start":1460.945,"end":1461.6849,"sentiment":"positive","sentiment_score":0.6689201593399048},{"text":"Yeah.","start":1461.9049,"end":1462.4049,"sentiment":"neutral","sentiment_score":0.24428655207157135},{"text":"No.","start":1476.72,"end":1476.88,"sentiment":"neutral","sentiment_score":-0.018130673095583916},{"text":"I think we might have covered everything.","start":1476.88,"end":1478.4199,"sentiment":"neutral","sentiment_score":-0.023074399679899216}],"sentiment":"neutral","sentiment_score":0.12800612036759654,"num_words":12,"start":1460.5449,"end":1478.4199},{"sentences":[{"text":"Okay.","start":1499.87,"end":1500.35,"sentiment":"neutral","sentiment_score":0.25807660818099976},{"text":"Beautiful.","start":1500.35,"end":1500.85,"sentiment":"positive","sentiment_score":0.6595990657806396},{"text":"Thank you.","start":1501.07,"end":1501.81,"sentiment":"positive","sentiment_score":0.4433015063405037},{"text":"Okay.","start":1515.805,"end":1516.305,"sentiment":"positive","sentiment_score":0.33402469754219055},{"text":"Sounds great.","start":1516.525,"end":1517.19,"sentiment":"positive","sentiment_score":0.6340229511260986}],"sentiment":"positive","sentiment_score":0.4866213266338621,"num_words":7,"start":1499.87,"end":1517.19},{"sentences":[{"text":"Yeah.","start":1523.59,"end":1523.9099,"sentiment":"neutral","sentiment_score":0.11971201002597807},{"text":"It's nearly there.","start":1523.9099,"end":1524.7899,"sentiment":"neutral","sentiment_score":0.12294344852368037},{"text":"Yep.","start":1524.7899,"end":1525.2899,"sentiment":"neutral","sentiment_score":0.14988240599632263},{"text":"Yep.","start":1525.59,"end":1526.09,"sentiment":"neutral","sentiment_score":0.22547316551208496},{"text":"Thank you.","start":1538.1649,"end":1538.8049,"sentiment":"positive","sentiment_score":0.5678511559963226}],"sentiment":"neutral","sentiment_score":0.249950029887259,"num_words":8,"start":1523.59,"end":1538.8049},{"sentences":[{"text":"Thanks.","start":1538.8049,"end":1539.2369,"sentiment":"positive","sentiment_score":0.6120613217353821},{"text":"You too.","start":1542.6769,"end":1543.497,"sentiment":"positive","sentiment_score":0.38253054022789},{"text":"Okay.","start":1545.0769,"end":1545.5769,"sentiment":"neutral","sentiment_score":0.17675873637199402},{"text":"Bye.","start":1545.7169,"end":1546.2169,"sentiment":"neutral","sentiment_score":0.08725601434707642}],"sentiment":"neutral","sentiment_score":0.3282274305820465,"num_words":5,"start":1538.8049,"end":1546.2169}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Beth. It's Dana from Okie Financial. How are you today? Can you hear me okay? Yeah.\n\nOh, good. It's Zaina from Financial. I had you booked in for a bit of a catch up this afternoon. Is now still a good time there for you?\n\nChannel 1: Yes. Yeah. That's fine. I'm just driving home.\n\nChannel 0: No. That's okay. That's not a problem at all. As long as you can hear me okay, I can. It was sort of breaking in and out of it, but it's fairly constant.\n\nNow you can hear me alright?\n\nChannel 1: Yes. I can. Yep.\n\nChannel 0: Oh, beautiful. How's your day been so far?\n\nChannel 1: I was pretty Really?\n\nChannel 0: Yeah. No. That's good. Well, it's hard to take up too much of your time. I know you are extremely busy there.\n\nBefore I jump into the call, just to let you know we're moving forward, we do record our calls for quality and training purposes. Are\n\nChannel 1: Yeah.\n\nChannel 0: you happy for us to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And to see the security, we are discussing your personal information there. So just need to confirm your full name, your date of birth, and address I should have on file. File.\n\nChannel 1: 02/23/1977. Six months\n\nChannel 0: Yep.\n\nChannel 1: before, Rosalind, and Cecilia\n\nChannel 0: Beautiful. Thank you so much for that.\n\nChannel 1: Anne Broaddus.\n\nChannel 0: When I had a bit of a look back at your annual review there, you wanted to sort of have a bit of a conversation about what else we can do to sort of help you super moving forward. I can see here that you had quite a good return over the last twelve months there. Is that right? Is there anything else that you sort of wanted me to touch on as part of this call?\n\nChannel 1: Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna\n\nChannel 0: Yep.\n\nChannel 1: be taken out of sort of grow it.\n\nChannel 0: Yeah. Yeah. Perfect. Not a problem at all. Just to start with, how much have you been gifted?\n\nChannel 1: It was $30,000.\n\nChannel 0: Okay. Perfect. Now the one of the good things, obviously, to start with, I can give you some general information and general advice looking at the what the options are, and then we can kinda delve a bit deeper into what your goals are. But having a look at that, I mean, putting in the super is a great option if that's what you're wanting to do, if you're wanting this money to grow and continue on. The downside to putting it in the super is that you can't access that until you meet a condition of release or retire.\n\nIs there anything else that you might be thinking about utilizing the money for? I can see here with your other medium term goals that you are maybe looking at going to Japan in the next three years, possibly purchasing a property down the track. Is there anything else that you that was coming to your mind as to what you would like to use the funds for?\n\nChannel 1: Well, at the moment, my husband's car husband's car needs to be replaced.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, they're sort of tossing up what to do and how much we borrow and hopefully not cut any of that. But if we have to, then we have to. So\n\nChannel 0: Yeah. So husband's car needs to be replaced. Is there any chance that you would be wanting to utilize that 30,000 to put towards the new car\n\nChannel 1: yep.\n\nChannel 0: instead\n\nChannel 1: Definitely\n\nChannel 0: of borrowing it? The higher interest rate?\n\nChannel 1: definitely don't wanna use all of it. That's for\n\nChannel 0: Yeah. That's okay. Not a problem at all. Is there have you sort of thought about putting some into your super, some into his? Is there, you know, maybe an amount you would like to keep back for emergencies or anything\n\nChannel 1: sure.\n\nChannel 0: like that?\n\nChannel 1: Yeah. We've been tossing all of that up as well. So yep.\n\nChannel 0: Yeah. That's okay. So, realistically, when we look at providing advice, we wanna find out what your goal is with this fund. So have you sort of thought about what you wanna achieve from it? Do you wanna see it growing harder, maybe working towards your retirement, or would you like to have it sitting somewhere so it's maybe kept as a buffer that you can access closer to now if you need it, like, in the shorter term if you do need it.\n\nChannel 1: I don't know. I have didn't think that was a possibility.\n\nChannel 0: Yeah. So one of the things when we are looking to provide additional advice on what to do with the funds is looking at what your goal is with that money. Are you wanting to and it's probably a good conversation for you to have with your partner. Is it something that we wanna have here? Do we wanna look at getting a loan for the whole amount that we need to purchase the vehicle for knowing that interest rates can be quite high?\n\nIf you're not looking at buying a new car, then when you look at lending considerations, you may be taking out an unsecured loan, which means that the interest rate can be higher. Did you wanna use some of that money as a bit of a buffer to not have to borrow as much, or is the car you're purchasing within that $30,000, and are you comfortable maybe utilizing all of that and not having a loan? So it's one definite one thing to certainly consider. The other aspect is, are you wanting to utilize that money for something in the next three to five years? If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses.\n\nIt's very different to how we see super. So with your super at the moment, you're probably taking a little bit more risk in your portfolio. So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments. That's actually not bad for where you're at at the moment because as you get closer to accessing your super, we reevaluate the risk level you're taking and the portfolio that you're in, and we start to reduce those risk levels. But, generally, when we are sort of speaking about investing money in the shorter term, any money that you are wanting to access or utilize for holidays, maybe a car purchase, or anything in the next sort of three odd years, we wouldn't wanna put into the market for the risk of a downturn.\n\nDoes that make sense?\n\nChannel 1: It It does. Yeah. Yep.\n\nChannel 0: Yeah. So I think the first thing I would probably wanna find out is more what what is it that you're wanting to achieve? What are you wanting to do? I would probably suggest making a bit of a list of what it is that you wanna do over the next sort of one to three years and work out is this money gonna provide you any kinda help in that sort of in that strategy. If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation.\n\nWould that help you a little bit, Facilia?\n\nChannel 1: Yeah. I think that would. Yeah. Yep.\n\nChannel 0: Yeah. And then you, Hasslyn, have a bit of a conversation, talk about what it is that you wanna achieve, what you want from this money. If you're looking to invest it and have it growing in an investment profile, absolutely fine. But I wanna also make sure that you do have some additional cash flow to keep putting in because just putting in $30,000 and sort of having it sit there over the next five to ten to twenty years whilst it's gonna provide you some income, you wanna be dollar cost averaging, you're putting more money in that to help it grow as well the same as you do for your sofa.\n\nChannel 1: Okay.\n\nChannel 0: Or is it something that, you know, having and utilizing for the car and not having a loan and saving that amount of interest, is that gonna be better for you? So I can send you some different options on what the things we've talked about and maybe some pros and cons to kinda get the conversation started. And then you can let me know, like, if you want to have a specific goal in mind or if you have something specific you're looking for, and we can kinda go from there. Does that help you a little bit?\n\nChannel 1: Yeah. That would be great, actually. Yeah.\n\nChannel 0: Yeah. All good. Sounds like you've got this great little bit of money there, which is fantastic, but, you know, what to do with it, all the different things that you could be doing with it and all the things you probably want to do with it, but what's the right option that can be had?\n\nChannel 1: Yeah. Exactly right. Yes.\n\nChannel 0: Yeah. No. That's perfect. How you're right.\n\nChannel 1: Sorry?\n\nChannel 0: Sorry. The phone just cut out. What was that? I'm so sorry.\n\nChannel 1: I said it's always easy to spend the money,\n\nChannel 0: Yes.\n\nChannel 1: but definitely not easy to make that sort of money.\n\nChannel 0: Yeah. No. Absolutely understand. Not a problem at all. Well, if you like, what I can do is I can start just by giving you a bit of an email there with the options that we've kinda gone through.\n\nObviously, the the size of purchasing a vehicle versus investing the pros and cons, You can have a bit of a chat to your partner, talk about what your options are, talk about what your goals are, what you wanna achieve from this, and then you can always come back to me. You'll have my email address there as well so we can always go through and have a chat about what the\n\nChannel 1: Yes. That would be great.\n\nChannel 0: options are. Okay? Yeah. No. Not a problem at all.\n\nWe can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds. Would you like that as well?\n\nChannel 1: I couldn't it wouldn't hurt to to prompt me for sure. Because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'm always so busy that sometimes I and, you know, expect to be able to do everything and be on top of\n\nChannel 0: Yeah.\n\nChannel 1: it all, but so it's definitely, like, popped up. So I checked it.\n\nChannel 0: Yeah. Yeah. No. Absolutely. That's not a problem at all.\n\nWell, I'll start by sending the email. I'll do a bit of a follow-up with you in a couple of weeks. I'll just send you an email and get the team to give you a call and see, you know, if you wanted to pop back in for another conversation, and we can always follow-up and see where you're going with things. But we'll start by just sending the information out to you, giving you a bit of an update on what your pros and cons are, what some of the options might be, and then you can kinda go from there. Have a bit of a conversation to begin with and work out what it is you're actually hoping to achieve or wanting to do with it.\n\nChannel 1: Yes. Beautiful.\n\nChannel 0: Yeah. Perfect. All good. Is there anything else that you kinda wanted me to touch base on while you have me here?\n\nChannel 1: I just obviously making sure that the Subaru is growing. Because when I\n\nChannel 0: Yeah.\n\nChannel 1: I joined up with you guys, I didn't have much in my coupon. And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine.\n\nChannel 0: Sorry, but I think the phone just cut out. Can you hear me okay still? Hello?\n\nChannel 1: With with my choices of what to invest it in?\n\nChannel 0: Yeah. Absolutely. Well, I can definitely look at reviewing that for you at the moment. So having a look, now I did have a look back at your annual review in 2024 when you completed with the team. Your balance then was a $123,007.75 and 44¢ there.\n\nWhen you touched base and had your annual review late last year sorry. I'm just pulling those documents back up for you. The balance then well, the balance as of now, let's go straight to the balance now, is a $151,004.83 and 17¢. So you have had a bit of a growth in there, which is fantastic to see. Having a look at the way you are invested, now as I kinda went through before, you are in a growth portfolio.\n\nSo you do see about 80% of your funds investing growth investments, the things like international shares, listed shares, commodities, and also listed property. And then the other 20% in defenses, so low risk investments like cash, bonds, and fixed interest. Having a look at the portfolio as a whole and all your individual investments, they have performed really quite well. I have just noticed here, having a look, one of your investments is down a little bit. So Bannalong Australian Equities, that's giving you your Australian Equities portion, and Bannalong is meant to be more of an actively managed part of your investment.\n\nThat is down quite significantly from sort of late November, early December. That's because of one their underlying investors had a bit of an issue. They a corporate traveler, if you haven't heard in the news, actually went back and was been a bit dishonest to the market and to their investors that came out, and it meant that Fenelon had to reevaluate that portion of their investments. So we've just been going back over the last couple of weeks and reevaluating this portion of everyone's portfolios, and we do wanna kind of move you out of that. So if you like, what I could do is I can have a look at, obviously, the Superfund you're in.\n\nI can look at other options for Superfund to see if there's something cheaper out there than Netwealth, but also look at the different portfolio structures and see if there's something that has been providing better performance, might be lower cost in fees. Are you open to me reevaluating all of that for you?\n\nChannel 1: Yes. Yep. And the phone yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: we did signal speed this year. We're a little bit high.\n\nChannel 0: Yeah.\n\nChannel 1: And that's sort of each away on what you're trying to to grow.\n\nChannel 0: Yeah. That's okay. Well, I can go back and review all the different options for super funds out there. You'd be comfortable if we recommended a different super fund as a whole and moved everything out of Netwealth for you. That wouldn't be a problem.\n\nChannel 1: No. I'd I'd be open for the suggestion. Yeah. Yep.\n\nChannel 0: Yep. Yeah. Absolutely. Perfect. Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000.\n\nIn the meantime, I'll also go back and do a little bit of research. It is quite a significant amount of research to do to look at all the different funds out there, all the different investment options, sorry, that we have as well. So it does take a couple of weeks to put that together for you.\n\nChannel 1: Okay.\n\nChannel 0: But once I have the plan ready, we can come back and have a look at that together. I'll go through the recommendations there with you. You'll get to see everything, see the advantages, disadvantages, and the risks involved, and then you get to decide whether you take on all, some, or none of the recommendations. How does that sound? Perfect.\n\nOh, good. One of the things I would like to do with you is just to sort of reevaluate your risk profile as well, just do a really quick questionnaire just to sort of gauge whether the growth portfolio is still the right one for you. This is only a couple of questions, generally about sort of five multiple choice questions. If you find you can't hear me or I do break up, please let me know. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Oh, good. The first one here is asking, have you ever invested in direct shares or managed funds in your own name before?\n\nChannel 1: Alright.\n\nChannel 0: No. That's okay. All good. The next one here is asking about the time horizon you have between now to when you're wanting to access your super. So having a bit of a look at the goals you had, it made mention when you did your anniversary, you were hoping to sort of access sleep and maybe retire around age 70.\n\nIs that right, or did you wanna reduce that age a little bit?\n\nChannel 1: Everyone put away love too. But yeah. No. I can't see that happening, to\n\nChannel 0: No. That's okay. So\n\nChannel 1: be\n\nChannel 0: we're\n\nChannel 1: honest.\n\nChannel 0: working on 70 for the moment. Yeah. Perfect. The next one here is asking about how much risk you're comfortable taking in order to get greater returns. So would you consider yourself happy to take on a higher level of risk to obtain greater potential returns?\n\nWould you see yourself taking on a moderate or medium amount of risk to get the best returns you can, or do you feel comfortable not taking much risk to get lower returns?\n\nChannel 1: Yeah. Probably the moderate one, I think.\n\nChannel 0: The medium? Yep. Perfect.\n\nChannel 1: Yeah. Because medium to high, sort of a little bit open to high, but\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: That's okay. With that question, you can go in between those two answers if you wanted to.\n\nChannel 1: gonna\n\nChannel 0: Yep. Yeah. Perfect. The next one here is asking if you looked at your super in the next six months and say you saw it fall by 20% due to what was happening globally, do you feel like you'd be wanting to put more money into the market? You feel like there's buying opportunity there?\n\nAre you more likely to hold and wait and maybe call us, or are you feeling a bit concerned and wanting to move to something more secure?\n\nChannel 1: Yeah. I've always looked at possibly putting extra into the super, but big family, not achievable.\n\nChannel 0: Yeah. No. That's okay. That's alright. How does your is your expenditure at the moment?\n\nAre you guys managing to put much away? I know having a look here, you've got a couple you've got some kids at home there as well. But do you find you have much in the way of expendable income or savings at the end of the week? Yeah.\n\nChannel 1: Week probably I think where I've got extra curriculum, full fees, sort of thing that's gonna come out. Yeah. So it's it's sort of going up and down in ways.\n\nChannel 0: Yep. Yep. That's okay. Did you want me to maybe look at making a recommendation to start maybe salary sacrificing and putting a smaller amount in? We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet.\n\nYep. Yeah. Absolutely. Do you feel comfortable starting off with maybe $50 on a weekly or fortnightly basis just to sort of see what it looks like and how it can help, and we could always look to increase it down the track? Or did you wanna start with something a bit more?\n\nPerfect. Sorry. Was that 50 per week or per fortnight? I do apologize.\n\nChannel 1: Probably fifth or ninth.\n\nChannel 0: Per fortnight? Yeah. Absolutely. I can add that into the advice document and show you what that looks like. Again, the advice is completely up to you.\n\nYou get to decide whether you take all the recommendations, some of them or none of them at all, but it just sort of show you what, you know, what it can do, how it can help the advantages, disadvantages, and the risks involved of taking on that sort of thing. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. All good. Now the second last one here is basically asking, have you ever seen your super fall in value again? If you did, this is due to, like, external market factors. How do you think you'd be feeling?\n\nThe drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned?\n\nChannel 1: Definitely a bit of concern. Yes.\n\nChannel 0: Yep. Yep. That's okay. Not a problem at all. And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property?\n\nChannel 1: Yeah. No. I only borrow from property.\n\nChannel 0: Yep. That's okay. Not a problem at all. Perfect. And I can see here one of your goals is down the track to purchase a home well.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Yeah.\n\nChannel 1: We would we would like to, but, yeah, not quite at the moment, unfortunately.\n\nChannel 0: No. That's okay. Is it something you, you know, you would like to do over the next sort of four to five or ten years, or you're not really sure what kind of time frame you'd like to do that in?\n\nChannel 1: I'm not sure what time frame, really.\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. Perfect.\n\nI'll pop some details in the email there for you. Excellent. Well, having a look at that one that you have scored as a growth investor. So as I mentioned before, that is the profile that we have you in at the moment. A growth investor typically suits someone who has at least six years before they're wanting to access their super, so it fits in with yourself.\n\nYou're only having a look at your ATM. So sorry. You're 49 coming up in a week and a bit time, so you've got a a lot of time ahead of you before you're able to access super. So that profile does certainly still help you out there. Realistically, the growth portfolio, we would expect negative returns sort of one in every five, and we do understand that with markets going up and down, the more risk we take, we do expect negative returns every couple of years.\n\nBut the average returns we'd sorta hope to achieve from this sort of a portfolio would be between sort of seven to 9%. Does that profile still fit with what you're after? You're still comfortable with that sort of asset location and the growth profile?\n\nChannel 1: Yeah. I think so. Yeah.\n\nChannel 0: Yeah. Perfect. Not a problem. Well, I can have a look at that for you just to kinda recap. I'll review the super fund that you're in as well as the other options out there.\n\nHave a look at all the different options for for investment profiles. And then I can also look at recommending that $50 on a fortnightly basis to sort of show you what that salary sacrifice can do to start with, and then we can kinda go from there. The only other thing that's really important to sort of touch base on is the type of investing profile that you're after as well. So when we are investing in investments in our super, we have lots of different investment options to choose from. And the point of having some of that ban along in your investment profile or in your investments back when you came on board was to have a little bit of active management in there.\n\nNow one of the benefits of having these sort of active managers in your profile or in your investments is that they are trying to buy and sell so that they can try and outperform against the market or the benchmark that they're trying to follow along with. However, over the longer term, there's no guarantees they're going to, and quite often active managers don't outperform the market. We can look at other styles like passive investing, which can be often a little bit cheaper. You don't have those active managers there. They're not trying to outperform the market.\n\nYou're just tracking the market. And quite often, just being in participating in the market and tracking a certain benchmark, you can actually do much better, than those active managers are trying to do. Did you want me to look at something more lower cost like that, so that a passive managements management style for your investment?\n\nChannel 1: Yeah. I think if it's lower\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. Like, lower\n\nChannel 0: Yeah.\n\nChannel 1: cost to us. Yep. Sure.\n\nChannel 0: Perfect. And have you do you log in to your Netwealth, sorry, option? Do you have a look at the investments and where the money is sort of invested?\n\nChannel 1: No. Not very often at all, really.\n\nChannel 0: No. That's okay. Because there is one other option I sort of wanted to bring out. So over the course of the last twelve months, our investment committee have teamed up with BlackRock, which is one of Australia's largest investment firms. Essentially, they've built what's called a an SMA or a separately managed account.\n\nOne of the benefits of these separately managed accounts is while you lose a little bit of visibility, essentially, once you log in to your super fund, all you see is how much you've got there and the estimate. We can give you trade reports and give you a bit more detail of on the the underlying. But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place. Or if the market was may making a bit of a turn or COVID was coming or we sort of saw something that needed to change, we would be able to make these changes to your profile very quickly without having to call and update advice documents. The reason we haven't been able to with Bannalung at the moment is that because when you came on board, you were provided the advice document with these rest with these investments recommended, we've had to keep you in line with that risk profile and with those investments that were recommended to you.\n\nAnd in order to update any of those, we currently have to provide a new advice document to you and go through all the the conversation that we're having today. If we did look at this, SMA, the separately managed account, as I mentioned, you lose a little bit of visibility on the investments that you're in. However, we can provide regular change reports, and it does give a few a lot more control around changing the underlying investments for you. It can be a bit more low cost as well. Did you want me to have a look at something like the SMA?\n\nOr\n\nChannel 1: Maybe. But then it might be a bit overwhelming with all of the advice that you're gonna be giving me by the standard.\n\nChannel 0: no. Well, essentially, it's just the investment. So if I have a look at the the SMA for you, it's just changing the investments within that within your super.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah. Are you comfortable with me having a look at it? I know there's kind of a lot that we sort of touched on today, and it it sounds like it's gonna be a lot. But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all?\n\nChannel 1: Yeah. That wouldn't hurt. Yes.\n\nChannel 0: Yeah? Oh, good. No worries. I know sometimes I'm going through a lot, and I'm asking you a lot questions and try to explain yeah. Go through it all with you.\n\nThere is a lot to consider, and it does seem like a lot. But if you want, you can utilize me to the best of your capacity. I'll go back and do all the research with my team. We'll come up with the advice document for you. We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile.\n\nI can factor in salary sacrificing for you, and then I'll come back with the advice document. When you and I go through it together, I'll show you it so you can see it page by page, and then you get\n\nChannel 1: Mhmm.\n\nChannel 0: to take it away and read it. That way, you've got some time to take it in. Is that okay?\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yeah?\n\nChannel 1: That's beautiful. Yeah.\n\nChannel 0: No worries. Look. I know I've asked you everything under the sun there. Did you have any other questions for me? Did you want me to break down any of that for you?\n\nDid you have any other questions about your super or anything?\n\nChannel 1: No. I think we might have covered everything.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. Well, what I'll do is I'll go back and do the research there for you.\n\nAs I mentioned, it takes a couple of weeks to put those together for you. I'll come back with the advice document. We'll go through it together, and then you'll be able to ask any questions you have. You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board. Okay?\n\nChannel 1: Okay. Beautiful. Thank you.\n\nChannel 0: I think not a problem at all. If you have any questions in the meantime, I will get that email out to you very shortly. So if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat.\n\nChannel 1: Okay. Sounds great.\n\nChannel 0: Not a problem at all. Are you on your way home now? You hopefully go home, put your feet up for a little bit.\n\nChannel 1: Yeah. It's nearly there. Yep. Yep.\n\nChannel 0: Perfect. Perfect. Well, thank you so much for your time. I really appreciate you going through with me. I'll get working on this for you, and, yeah, I'll get this email out to you this afternoon so you've got something to have a bit of a think about.\n\nChannel 1: Thank you. Thanks.\n\nChannel 0: My pleasure, Pathelia. Have a great afternoon.\n\nChannel 1: You too.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.0400354266166687}],"sentiment":"neutral","sentiment_score":0.0400354266166687,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Hi, Beth.","start":3.12,"end":3.76,"sentiment":"neutral","sentiment_score":0.17645066231489182},{"text":"It's Dana from Okie Financial.","start":3.76,"end":5.22,"sentiment":"neutral","sentiment_score":0.19212598502635955},{"text":"How are you today?","start":5.2799997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.25557539239525795},{"text":"Can you hear me okay?","start":11.36,"end":12.58,"sentiment":"neutral","sentiment_score":0.04322291761636734},{"text":"Yeah.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.1223362386226654}],"sentiment":"neutral","sentiment_score":0.15731080270865383,"channel":0,"num_words":17,"start":3.12,"end":13.139999},{"sentences":[{"text":"Oh, good.","start":15.1050005,"end":15.745001,"sentiment":"positive","sentiment_score":0.4297177791595459},{"text":"It's Zaina from Financial.","start":15.745001,"end":16.885,"sentiment":"neutral","sentiment_score":0.32438555359840393},{"text":"I had you booked in for a bit of a catch up this afternoon.","start":17.105,"end":19.265,"sentiment":"positive","sentiment_score":0.38135101539748056},{"text":"Is now still a good time there for you?","start":19.265,"end":21.205,"sentiment":"positive","sentiment_score":0.36190930174456704}],"sentiment":"positive","sentiment_score":0.3707957139302944,"channel":0,"num_words":29,"start":15.1050005,"end":21.205},{"sentences":[{"text":"Yes.","start":21.255,"end":21.415,"sentiment":"neutral","sentiment_score":0.12773357331752777},{"text":"Yeah.","start":21.415,"end":21.654999,"sentiment":"neutral","sentiment_score":0.15237072110176086},{"text":"That's fine.","start":21.654999,"end":22.215,"sentiment":"neutral","sentiment_score":0.23051361739635468},{"text":"I'm just driving home.","start":22.215,"end":23.515,"sentiment":"neutral","sentiment_score":0.14248500391840935}],"sentiment":"neutral","sentiment_score":0.16388394311070442,"channel":1,"num_words":8,"start":21.255,"end":23.515},{"sentences":[{"text":"No.","start":23.825,"end":24.065,"sentiment":"neutral","sentiment_score":0.04071947932243347},{"text":"That's okay.","start":24.065,"end":24.705,"sentiment":"neutral","sentiment_score":0.10783611983060837},{"text":"That's not a problem at all.","start":24.705,"end":25.825,"sentiment":"neutral","sentiment_score":0.25524265815814334},{"text":"As long as you can hear me okay, I can.","start":25.825,"end":27.87,"sentiment":"neutral","sentiment_score":0.1571732848882675},{"text":"It was sort of breaking in and out of it, but it's fairly constant.","start":27.95,"end":30.51,"sentiment":"neutral","sentiment_score":0.0010011693728821617}],"sentiment":"neutral","sentiment_score":0.10223020872834956,"channel":0,"num_words":33,"start":23.825,"end":30.51},{"sentences":[{"text":"Now you can hear me alright?","start":30.51,"end":31.810001,"sentiment":"neutral","sentiment_score":0.045937485372026764}],"sentiment":"neutral","sentiment_score":0.045937485372026764,"channel":0,"num_words":6,"start":30.51,"end":31.810001},{"sentences":[{"text":"Yes.","start":32.23,"end":32.55,"sentiment":"neutral","sentiment_score":0.0823485404253006},{"text":"I can.","start":32.55,"end":32.949997,"sentiment":"neutral","sentiment_score":0.10357067734003067},{"text":"Yep.","start":32.949997,"end":33.449997,"sentiment":"neutral","sentiment_score":0.12019096314907074}],"sentiment":"neutral","sentiment_score":0.10242021456360817,"channel":1,"num_words":4,"start":32.23,"end":33.449997},{"sentences":[{"text":"Oh, beautiful.","start":33.47,"end":34.45,"sentiment":"positive","sentiment_score":0.3632183074951172},{"text":"How's your day been so far?","start":34.510002,"end":36.13,"sentiment":"neutral","sentiment_score":0.28556063522895175}],"sentiment":"neutral","sentiment_score":0.3049750532954931,"channel":0,"num_words":8,"start":33.47,"end":36.13},{"sentences":[{"text":"I was pretty Really?","start":36.79,"end":38.165,"sentiment":"neutral","sentiment_score":0.09069512970745564}],"sentiment":"neutral","sentiment_score":0.09069512970745564,"channel":1,"num_words":4,"start":36.79,"end":38.165},{"sentences":[{"text":"Yeah.","start":38.59,"end":39.07,"sentiment":"neutral","sentiment_score":0.0447969064116478},{"text":"No.","start":39.07,"end":39.31,"sentiment":"neutral","sentiment_score":-0.01107955351471901},{"text":"That's good.","start":39.31,"end":39.870003,"sentiment":"neutral","sentiment_score":0.07602322101593018},{"text":"Well, it's hard to take up too much of your time.","start":39.870003,"end":41.47,"sentiment":"negative","sentiment_score":-0.3801614885980433},{"text":"I know you are extremely busy there.","start":41.47,"end":43.095,"sentiment":"neutral","sentiment_score":-0.28481762962681906}],"sentiment":"neutral","sentiment_score":-0.2722607266835191,"channel":0,"num_words":22,"start":38.59,"end":43.095},{"sentences":[{"text":"Before I jump into the call, just to let you know we're moving forward, we do record our calls for quality and training purposes.","start":43.975002,"end":48.695,"sentiment":"neutral","sentiment_score":-0.06287611726050575},{"text":"Are","start":48.695,"end":48.775,"sentiment":"neutral","sentiment_score":0.01938740909099579}],"sentiment":"neutral","sentiment_score":-0.059585576206445695,"channel":0,"num_words":25,"start":43.975002,"end":48.775},{"sentences":[{"text":"Yeah.","start":48.704998,"end":49.204998,"sentiment":"neutral","sentiment_score":0.056582383811473846}],"sentiment":"neutral","sentiment_score":0.056582383811473846,"channel":1,"num_words":1,"start":48.704998,"end":49.204998},{"sentences":[{"text":"you happy for us to proceed with that?","start":48.775,"end":50.555,"sentiment":"neutral","sentiment_score":0.12559927068650723}],"sentiment":"neutral","sentiment_score":0.12559927068650723,"channel":0,"num_words":8,"start":48.775,"end":50.555},{"sentences":[{"text":"Yes.","start":51.024998,"end":51.36,"sentiment":"neutral","sentiment_score":0.12542201578617096}],"sentiment":"neutral","sentiment_score":0.12542201578617096,"channel":1,"num_words":1,"start":51.024998,"end":51.36},{"sentences":[{"text":"Beautiful.","start":51.975002,"end":52.375,"sentiment":"neutral","sentiment_score":0.2726614773273468},{"text":"And to see the security, we are discussing your personal information there.","start":52.375,"end":55.335,"sentiment":"neutral","sentiment_score":0.117405300339063},{"text":"So just need to confirm your full name, your date of birth, and address I should have on file.","start":55.335,"end":59.07,"sentiment":"neutral","sentiment_score":0.097465523371571},{"text":"File.","start":59.07,"end":59.57,"sentiment":"neutral","sentiment_score":0.025347966700792313}],"sentiment":"neutral","sentiment_score":0.10783993915626497,"channel":0,"num_words":33,"start":51.975002,"end":59.57},{"sentences":[{"text":"02/23/1977.","start":60.48,"end":63.14,"sentiment":"neutral","sentiment_score":0.01294076442718506},{"text":"Six months","start":63.2,"end":63.68,"sentiment":"neutral","sentiment_score":0.018014153465628624}],"sentiment":"neutral","sentiment_score":0.016323023786147434,"channel":1,"num_words":3,"start":60.48,"end":63.68},{"sentences":[{"text":"Yep.","start":63.63,"end":64.130005,"sentiment":"neutral","sentiment_score":0.06126381456851959}],"sentiment":"neutral","sentiment_score":0.06126381456851959,"channel":0,"num_words":1,"start":63.63,"end":64.130005},{"sentences":[{"text":"before, Rosalind, and Cecilia","start":63.68,"end":66.205,"sentiment":"neutral","sentiment_score":0.11573061905801296}],"sentiment":"neutral","sentiment_score":0.11573061905801296,"channel":1,"num_words":4,"start":63.68,"end":66.205},{"sentences":[{"text":"Beautiful.","start":67.79,"end":68.29,"sentiment":"neutral","sentiment_score":0.2136492133140564},{"text":"Thank you so much for that.","start":68.35,"end":69.97,"sentiment":"positive","sentiment_score":0.5963747203350067}],"sentiment":"positive","sentiment_score":0.5416996479034424,"channel":0,"num_words":7,"start":67.79,"end":69.97},{"sentences":[{"text":"Anne Broaddus.","start":69.785,"end":70.535,"sentiment":"neutral","sentiment_score":0.27845263481140137}],"sentiment":"neutral","sentiment_score":0.27845263481140137,"channel":1,"num_words":2,"start":69.785,"end":70.535},{"sentences":[{"text":"When I had a bit of a look back at your annual review there, you wanted to sort of have a bit of a conversation about what else we can do to sort of help you 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gonna","start":86.44,"end":95.495,"sentiment":"neutral","sentiment_score":-0.02684503260614543}],"sentiment":"neutral","sentiment_score":-0.02684503260614543,"channel":1,"num_words":29,"start":86.44,"end":95.495},{"sentences":[{"text":"Yep.","start":95.32,"end":95.82,"sentiment":"neutral","sentiment_score":-0.06406821310520172}],"sentiment":"neutral","sentiment_score":-0.06406821310520172,"channel":0,"num_words":1,"start":95.32,"end":95.82},{"sentences":[{"text":"be taken out of sort of grow it.","start":95.495,"end":97.915,"sentiment":"neutral","sentiment_score":-0.11221320368349552}],"sentiment":"neutral","sentiment_score":-0.11221320368349552,"channel":1,"num_words":8,"start":95.495,"end":97.915},{"sentences":[{"text":"Yeah.","start":97.64,"end":98.14,"sentiment":"neutral","sentiment_score":0.06789519637823105},{"text":"Yeah.","start":98.2,"end":98.68,"sentiment":"neutral","sentiment_score":0.12438341975212096},{"text":"Perfect.","start":98.68,"end":99.18,"sentiment":"neutral","sentiment_score":0.30062544345855713},{"text":"Not a problem at all.","start":99.479996,"end":100.575,"sentiment":"neutral","sentiment_score":0.20519664883613586},{"text":"Just to start with, how much have you been gifted?","start":100.814995,"end":102.994995,"sentiment":"neutral","sentiment_score":0.08171977810561656}],"sentiment":"neutral","sentiment_score":0.1297825047125419,"channel":0,"num_words":18,"start":97.64,"end":102.994995},{"sentences":[{"text":"It was $30,000.","start":104.375,"end":105.81,"sentiment":"neutral","sentiment_score":0.04529376079638799}],"sentiment":"neutral","sentiment_score":0.04529376079638799,"channel":1,"num_words":3,"start":104.375,"end":105.81},{"sentences":[{"text":"Okay.","start":106.575,"end":107.075,"sentiment":"neutral","sentiment_score":0.12564770877361298},{"text":"Perfect.","start":107.134995,"end":107.634995,"sentiment":"neutral","sentiment_score":0.08647294342517853},{"text":"Now the one of the good things, obviously, to start with, I can give you some general information and general advice looking at the what the options are, and then we can kinda delve a bit deeper into what your goals are.","start":108.174995,"end":117.56,"sentiment":"positive","sentiment_score":0.46594157353753135},{"text":"But having a look at that, I mean, putting in the super is a great option if that's what you're wanting to do, if you're wanting this money to grow and continue on.","start":117.939995,"end":124.259995,"sentiment":"positive","sentiment_score":0.616621246843627},{"text":"The downside to putting it in the super is that you can't access that until you meet a condition of release or retire.","start":124.259995,"end":130.04,"sentiment":"negative","sentiment_score":-0.4451651786980422}],"sentiment":"neutral","sentiment_score":0.2989136877655983,"channel":0,"num_words":100,"start":106.575,"end":130.04},{"sentences":[{"text":"Is there anything else that you might be thinking about utilizing the money for?","start":130.445,"end":133.96501,"sentiment":"neutral","sentiment_score":0.09836006111332349},{"text":"I can see here with your other medium term goals that you are maybe looking at going to Japan in the next three years, possibly purchasing a property down the track.","start":133.96501,"end":143.32501,"sentiment":"neutral","sentiment_score":0.3163748888238784},{"text":"Is there anything else that you that was coming to your mind as to what you would like to use the funds for?","start":143.32501,"end":148.17,"sentiment":"neutral","sentiment_score":0.19717198221579843}],"sentiment":"neutral","sentiment_score":0.2311708529425018,"channel":0,"num_words":68,"start":130.445,"end":148.17},{"sentences":[{"text":"Well, at the moment, my husband's car husband's car needs to be replaced.","start":149.05,"end":153.645,"sentiment":"neutral","sentiment_score":-0.1947599695279048}],"sentiment":"neutral","sentiment_score":-0.1947599695279048,"channel":1,"num_words":13,"start":149.05,"end":153.645},{"sentences":[{"text":"Okay.","start":154.31,"end":154.81,"sentiment":"neutral","sentiment_score":-0.0720687061548233}],"sentiment":"neutral","sentiment_score":-0.0720687061548233,"channel":0,"num_words":1,"start":154.31,"end":154.81},{"sentences":[{"text":"So, yeah, they're sort of tossing up what to do and how much we borrow and hopefully not cut any of 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car","start":168.35501,"end":173.41501,"sentiment":"neutral","sentiment_score":0.06205331965496665}],"sentiment":"neutral","sentiment_score":0.032154962006542415,"channel":0,"num_words":27,"start":164.675,"end":173.41501},{"sentences":[{"text":"yep.","start":173.67,"end":174.17,"sentiment":"neutral","sentiment_score":0.007518182042986155}],"sentiment":"neutral","sentiment_score":0.007518182042986155,"channel":1,"num_words":1,"start":173.67,"end":174.17},{"sentences":[{"text":"instead","start":174.18001,"end":174.5,"sentiment":"neutral","sentiment_score":-0.011303205043077467}],"sentiment":"neutral","sentiment_score":-0.011303205043077467,"channel":0,"num_words":1,"start":174.18001,"end":174.5},{"sentences":[{"text":"Definitely","start":174.47,"end":174.97,"sentiment":"neutral","sentiment_score":0.002656584605574608}],"sentiment":"neutral","sentiment_score":0.002656584605574608,"channel":1,"num_words":1,"start":174.47,"end":174.97},{"sentences":[{"text":"of borrowing 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that?","start":191.535,"end":192.275,"sentiment":"neutral","sentiment_score":0.08946248888969421}],"sentiment":"neutral","sentiment_score":0.08946248888969421,"channel":0,"num_words":2,"start":191.535,"end":192.275},{"sentences":[{"text":"Yeah.","start":192.675,"end":192.99501,"sentiment":"neutral","sentiment_score":0.20900733768939972},{"text":"We've been tossing all of that up as well.","start":192.99501,"end":194.87001,"sentiment":"neutral","sentiment_score":0.2131201128164927},{"text":"So yep.","start":194.87001,"end":195.85,"sentiment":"neutral","sentiment_score":0.12954863905906677}],"sentiment":"neutral","sentiment_score":0.19884880259633064,"channel":1,"num_words":12,"start":192.675,"end":195.85},{"sentences":[{"text":"Yeah.","start":195.855,"end":196.355,"sentiment":"neutral","sentiment_score":0.31619635224342346},{"text":"That's okay.","start":196.815,"end":197.535,"sentiment":"positive","sentiment_score":0.42024150490760803},{"text":"So, realistically, when we look at 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need to purchase the vehicle for knowing that interest rates can be quite high?","start":236.28,"end":242.62001,"sentiment":"neutral","sentiment_score":0.09469781390258245}],"sentiment":"neutral","sentiment_score":0.28509763823378653,"channel":0,"num_words":84,"start":224.235,"end":242.62001},{"sentences":[{"text":"If you're not looking at buying a new car, then when you look at lending considerations, you may be taking out an unsecured loan, which means that the interest rate can be higher.","start":242.985,"end":251.72499,"sentiment":"neutral","sentiment_score":-0.009754659777337854},{"text":"Did you wanna use some of that money as a bit of a buffer to not have to borrow as much, or is the car you're purchasing within that $30,000, and are you comfortable maybe utilizing all of that and not having a loan?","start":251.86499,"end":262.94,"sentiment":"neutral","sentiment_score":0.15753250399773772},{"text":"So it's one definite one thing to certainly consider.","start":262.94,"end":265.44,"sentiment":"positive","sentiment_score":0.422441691160202},{"text":"The other aspect is, are you wanting to utilize that money for something in the next three to five years?","start":265.74,"end":270.94,"sentiment":"neutral","sentiment_score":0.18287348486483096},{"text":"If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses.","start":270.94,"end":291.15002,"sentiment":"negative","sentiment_score":-0.3933400153182447}],"sentiment":"neutral","sentiment_score":-0.06532229211400536,"channel":0,"num_words":170,"start":242.985,"end":291.15002},{"sentences":[{"text":"It's very different to how we see super.","start":291.45,"end":293.37003,"sentiment":"negative","sentiment_score":-0.35569334402680397},{"text":"So with your super at the moment, you're probably taking a little bit more risk in your portfolio.","start":293.37003,"end":297.31003,"sentiment":"neutral","sentiment_score":-0.3215697920984692},{"text":"So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments.","start":297.61002,"end":303.315,"sentiment":"neutral","sentiment_score":0.023664089998132305},{"text":"That's actually not bad for where you're at at the moment because as you get closer to accessing your super, we reevaluate the risk level you're taking and the portfolio that you're in, and we start to reduce those risk levels.","start":303.935,"end":314.595,"sentiment":"neutral","sentiment_score":0.05524755675890824},{"text":"But, generally, when we are sort of speaking about investing money in the shorter term, any money that you are wanting to access or utilize for holidays, maybe a car purchase, or anything in the next sort of three odd years, we wouldn't wanna put into the market for the risk of a downturn.","start":314.87,"end":329.93,"sentiment":"neutral","sentiment_score":0.01523776752529321}],"sentiment":"neutral","sentiment_score":-0.036401400189580664,"channel":0,"num_words":140,"start":291.45,"end":329.93},{"sentences":[{"text":"Does that make sense?","start":329.99002,"end":331.155,"sentiment":"neutral","sentiment_score":0.04353071004152298}],"sentiment":"neutral","sentiment_score":0.04353071004152298,"channel":0,"num_words":4,"start":329.99002,"end":331.155},{"sentences":[{"text":"It It does.","start":331.06,"end":331.845,"sentiment":"neutral","sentiment_score":0.22207513451576233},{"text":"Yeah.","start":331.845,"end":332.245,"sentiment":"neutral","sentiment_score":0.21850769221782684},{"text":"Yep.","start":332.245,"end":332.745,"sentiment":"neutral","sentiment_score":0.25399312376976013}],"sentiment":"neutral","sentiment_score":0.2277452439069748,"channel":1,"num_words":5,"start":331.06,"end":332.745},{"sentences":[{"text":"Yeah.","start":332.975,"end":333.455,"sentiment":"neutral","sentiment_score":0.2520384192466736},{"text":"So I think the first thing I would probably wanna find out is more what what is it that you're wanting to achieve?","start":333.455,"end":337.85498,"sentiment":"neutral","sentiment_score":0.28195508407509845},{"text":"What are you wanting to do?","start":337.85498,"end":339.155,"sentiment":"neutral","sentiment_score":0.18710562586784363},{"text":"I would probably suggest making a bit of a list of what it is that you wanna do over the next sort of one to three years and work out is this money gonna provide you any kinda help in that sort of in that strategy.","start":339.455,"end":350.46002,"sentiment":"neutral","sentiment_score":0.28286440119795175},{"text":"If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation.","start":351.08002,"end":362.05502,"sentiment":"neutral","sentiment_score":0.16853166371583939}],"sentiment":"neutral","sentiment_score":0.2386446647669958,"channel":0,"num_words":115,"start":332.975,"end":362.05502},{"sentences":[{"text":"Would that help you a little bit, Facilia?","start":362.11502,"end":363.89502,"sentiment":"neutral","sentiment_score":0.18564240634441376}],"sentiment":"neutral","sentiment_score":0.18564240634441376,"channel":0,"num_words":8,"start":362.11502,"end":363.89502},{"sentences":[{"text":"Yeah.","start":364.19498,"end":364.435,"sentiment":"neutral","sentiment_score":0.1038159728050232},{"text":"I think that would.","start":364.435,"end":365.235,"sentiment":"neutral","sentiment_score":0.13886353000998497},{"text":"Yeah.","start":365.235,"end":365.63498,"sentiment":"neutral","sentiment_score":0.1769828498363495},{"text":"Yep.","start":365.63498,"end":366.13498,"sentiment":"neutral","sentiment_score":0.20579731464385984}],"sentiment":"neutral","sentiment_score":0.14886432247502462,"channel":1,"num_words":7,"start":364.19498,"end":366.13498},{"sentences":[{"text":"Yeah.","start":366.035,"end":366.515,"sentiment":"neutral","sentiment_score":0.22689928114414215},{"text":"And then you, Hasslyn, have a bit of a conversation, talk about what it is that you wanna achieve, what you want from this money.","start":366.515,"end":372.935,"sentiment":"neutral","sentiment_score":0.31089882969856264},{"text":"If you're looking to invest it and have it growing in an investment profile, absolutely fine.","start":373.59,"end":377.90997,"sentiment":"positive","sentiment_score":0.3482875246554613},{"text":"But I wanna also make sure that you do have some additional cash flow to keep putting in because just putting in $30,000 and sort of having it sit there over the next five to ten to twenty years whilst it's gonna provide you some income, you wanna be dollar cost averaging, you're putting more money in that to help it grow as well the same as you do for your sofa.","start":377.90997,"end":395.04498,"sentiment":"positive","sentiment_score":0.3460430111736059}],"sentiment":"positive","sentiment_score":0.33760585282978256,"channel":0,"num_words":114,"start":366.035,"end":395.04498},{"sentences":[{"text":"Okay.","start":395.68,"end":396.18,"sentiment":"neutral","sentiment_score":0.09855536371469498}],"sentiment":"neutral","sentiment_score":0.09855536371469498,"channel":1,"num_words":1,"start":395.68,"end":396.18},{"sentences":[{"text":"Or is it something that, you know, having and utilizing for the car and not having a loan and saving that amount of interest, is that gonna be better for you?","start":395.905,"end":404.06,"sentiment":"neutral","sentiment_score":0.11349919630635169},{"text":"So I can send you some different options on what the things we've talked about and maybe some pros and cons to kinda get the conversation started.","start":404.52002,"end":411.9,"sentiment":"neutral","sentiment_score":0.1679009273648262},{"text":"And then you can let me know, like, if you want to have a specific goal in mind or if you have something specific you're looking for, and we can kinda go from there.","start":412.44,"end":420.165,"sentiment":"neutral","sentiment_score":0.20843483770594878},{"text":"Does that help you a little bit?","start":420.165,"end":421.86502,"sentiment":"neutral","sentiment_score":0.21883816165583475}],"sentiment":"neutral","sentiment_score":0.16838840139333647,"channel":0,"num_words":99,"start":395.905,"end":421.86502},{"sentences":[{"text":"Yeah.","start":422.27,"end":422.43,"sentiment":"neutral","sentiment_score":0.3281153440475464},{"text":"That would be great, 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had?","start":426.165,"end":436.68,"sentiment":"positive","sentiment_score":0.45888397884818743}],"sentiment":"positive","sentiment_score":0.464965607970953,"channel":0,"num_words":56,"start":424.325,"end":436.68},{"sentences":[{"text":"Yeah.","start":436.925,"end":437.16498,"sentiment":"neutral","sentiment_score":0.20546087622642517},{"text":"Exactly right.","start":437.16498,"end":438.28497,"sentiment":"neutral","sentiment_score":0.2932770699262619},{"text":"Yes.","start":438.28497,"end":438.78497,"sentiment":"neutral","sentiment_score":0.21265485882759097}],"sentiment":"neutral","sentiment_score":0.251167468726635,"channel":1,"num_words":4,"start":436.925,"end":438.78497},{"sentences":[{"text":"Yeah.","start":438.74,"end":439.24,"sentiment":"neutral","sentiment_score":0.18330174684524536},{"text":"No.","start":439.3,"end":439.62,"sentiment":"neutral","sentiment_score":0.11748187243938446},{"text":"That's perfect.","start":439.62,"end":440.44,"sentiment":"neutral","sentiment_score":0.3305835425853729},{"text":"How you're right.","start":440.5,"end":441.615,"sentiment":"neutral","sentiment_score":0.17704357206821442}],"sentiment":"neutral","sentiment_score":0.21329734580857412,"channel":0,"num_words":7,"start":438.74,"end":441.615},{"sentences":[{"text":"Sorry?","start":444.35,"end":444.85,"sentiment":"neutral","sentiment_score":-0.05905475839972496}],"sentiment":"neutral","sentiment_score":-0.05905475839972496,"channel":1,"num_words":1,"start":444.35,"end":444.85},{"sentences":[{"text":"Sorry.","start":444.495,"end":444.735,"sentiment":"neutral","sentiment_score":-0.11589478701353072},{"text":"The phone just cut out.","start":444.735,"end":445.85498,"sentiment":"neutral","sentiment_score":-0.22023610770702362},{"text":"What was that?","start":445.85498,"end":446.335,"sentiment":"neutral","sentiment_score":-0.11256925761699677},{"text":"I'm so sorry.","start":446.335,"end":447.235,"sentiment":"neutral","sentiment_score":-0.14940893153349558}],"sentiment":"neutral","sentiment_score":-0.16691749108334383,"channel":0,"num_words":12,"start":444.495,"end":447.235},{"sentences":[{"text":"I said it's always easy to spend the money,","start":447.63,"end":450.29,"sentiment":"neutral","sentiment_score":-0.13126840194066366}],"sentiment":"neutral","sentiment_score":-0.13126840194066366,"channel":1,"num_words":9,"start":447.63,"end":450.29},{"sentences":[{"text":"Yes.","start":451.13498,"end":451.63498,"sentiment":"neutral","sentiment_score":-0.08527911454439163}],"sentiment":"neutral","sentiment_score":-0.08527911454439163,"channel":0,"num_words":1,"start":451.13498,"end":451.63498},{"sentences":[{"text":"but definitely not easy to make that sort of money.","start":451.22998,"end":454.215,"sentiment":"neutral","sentiment_score":-0.2538347214460373}],"sentiment":"neutral","sentiment_score":-0.2538347214460373,"channel":1,"num_words":10,"start":451.22998,"end":454.215},{"sentences":[{"text":"Yeah.","start":455.35,"end":455.67,"sentiment":"neutral","sentiment_score":-0.0027986597269773483},{"text":"No.","start":455.67,"end":456.07,"sentiment":"neutral","sentiment_score":-0.010737169533967972},{"text":"Absolutely understand.","start":456.07,"end":457.61002,"sentiment":"neutral","sentiment_score":0.0714112538844347},{"text":"Not a problem at all.","start":457.83002,"end":459.03,"sentiment":"neutral","sentiment_score":0.15368641912937164},{"text":"Well, if you like, what I can do is I can start just by giving you a bit of an email there with the options that we've kinda gone through.","start":459.03,"end":465.67,"sentiment":"neutral","sentiment_score":0.14633841042717297}],"sentiment":"neutral","sentiment_score":0.13558643812743518,"channel":0,"num_words":39,"start":455.35,"end":465.67},{"sentences":[{"text":"Obviously, the the size of purchasing a vehicle versus investing the pros and cons, You can have a bit of a chat to your partner, talk about what your options are, talk about what your goals are, what you wanna achieve from this, and then you can always come back to me.","start":465.67,"end":477.45502,"sentiment":"neutral","sentiment_score":0.16603644922948801},{"text":"You'll have my email address there as well so we can always go through and have a chat about what the","start":477.595,"end":482.73,"sentiment":"neutral","sentiment_score":0.18028521679696582}],"sentiment":"neutral","sentiment_score":0.17013540976259806,"channel":0,"num_words":73,"start":465.67,"end":482.73},{"sentences":[{"text":"Yes.","start":485.165,"end":485.405,"sentiment":"neutral","sentiment_score":0.26606547832489014},{"text":"That would be great.","start":485.405,"end":486.54498,"sentiment":"positive","sentiment_score":0.503384567797184}],"sentiment":"positive","sentiment_score":0.45592074990272524,"channel":1,"num_words":5,"start":485.165,"end":486.54498},{"sentences":[{"text":"options are.","start":486.17,"end":486.61002,"sentiment":"neutral","sentiment_score":0.1830049306154251},{"text":"Okay?","start":486.61002,"end":486.89,"sentiment":"neutral","sentiment_score":0.14590273797512054},{"text":"Yeah.","start":486.89,"end":487.37003,"sentiment":"neutral","sentiment_score":0.1287287026643753},{"text":"No.","start":487.37003,"end":487.69,"sentiment":"neutral","sentiment_score":0.14387226104736328},{"text":"Not a problem at all.","start":487.69,"end":489.07,"sentiment":"neutral","sentiment_score":0.2184244453907013}],"sentiment":"neutral","sentiment_score":0.18766357898712158,"channel":0,"num_words":10,"start":486.17,"end":489.07},{"sentences":[{"text":"We can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds.","start":489.29,"end":495.53,"sentiment":"neutral","sentiment_score":0.1489272059665786},{"text":"Would you like that as well?","start":495.53,"end":496.755,"sentiment":"neutral","sentiment_score":0.20860958099365234}],"sentiment":"neutral","sentiment_score":0.15745325954187483,"channel":0,"num_words":42,"start":489.29,"end":496.755},{"sentences":[{"text":"I couldn't it wouldn't hurt to to prompt me for sure.","start":498.14,"end":501.28,"sentiment":"neutral","sentiment_score":0.14105867120352658},{"text":"Because,","start":501.74002,"end":502.06,"sentiment":"neutral","sentiment_score":0.07762237638235092}],"sentiment":"neutral","sentiment_score":0.13577231330176195,"channel":1,"num_words":12,"start":498.14,"end":502.06},{"sentences":[{"text":"Yeah.","start":501.875,"end":502.375,"sentiment":"neutral","sentiment_score":0.017246108502149582}],"sentiment":"neutral","sentiment_score":0.017246108502149582,"channel":0,"num_words":1,"start":501.875,"end":502.375},{"sentences":[{"text":"yeah, I'm always so busy that sometimes I and, you know, expect to be able to do everything and be on top of","start":502.06,"end":510.48502,"sentiment":"neutral","sentiment_score":-0.07217864271091379}],"sentiment":"neutral","sentiment_score":-0.07217864271091379,"channel":1,"num_words":23,"start":502.06,"end":510.48502},{"sentences":[{"text":"Yeah.","start":510.435,"end":510.72,"sentiment":"neutral","sentiment_score":-0.02372339740395546}],"sentiment":"neutral","sentiment_score":-0.02372339740395546,"channel":0,"num_words":1,"start":510.435,"end":510.72},{"sentences":[{"text":"it all, but so it's definitely, like, popped up.","start":510.48502,"end":513.305,"sentiment":"neutral","sentiment_score":0.016370975101987522},{"text":"So I checked it.","start":513.525,"end":514.66504,"sentiment":"neutral","sentiment_score":0.024373690132051706}],"sentiment":"neutral","sentiment_score":0.018833348957391884,"channel":1,"num_words":13,"start":510.48502,"end":514.66504},{"sentences":[{"text":"Yeah.","start":514.56,"end":515.04,"sentiment":"neutral","sentiment_score":0.06970454752445221},{"text":"Yeah.","start":515.04,"end":515.36,"sentiment":"neutral","sentiment_score":0.07593752443790436},{"text":"No.","start":515.36,"end":515.76,"sentiment":"neutral","sentiment_score":0.15180110931396484},{"text":"Absolutely.","start":515.76,"end":516.26,"sentiment":"positive","sentiment_score":0.3797038495540619},{"text":"That's not a problem at all.","start":516.48,"end":517.68,"sentiment":"positive","sentiment_score":0.4183858782052994}],"sentiment":"neutral","sentiment_score":0.31874623000621793,"channel":0,"num_words":10,"start":514.56,"end":517.68},{"sentences":[{"text":"Well, I'll start by sending the email.","start":517.68,"end":519.12,"sentiment":"neutral","sentiment_score":0.20891946767057692},{"text":"I'll do a bit of a follow-up with you in a couple of weeks.","start":519.12,"end":521.7,"sentiment":"neutral","sentiment_score":0.2020409724542073},{"text":"I'll just send you an email and get the team to give you a call and see, you know, if you wanted to pop back in for another conversation, and we can always follow-up and see where you're going with things.","start":521.76,"end":529.75494,"sentiment":"neutral","sentiment_score":0.20376838125833652},{"text":"But we'll start by just sending the information out to you, giving you a bit of an update on what your pros and cons are, what some of the options might be, and then you can kinda go from there.","start":530.13495,"end":538.615,"sentiment":"neutral","sentiment_score":0.18350999616086483},{"text":"Have a bit of a conversation to begin with and work out what it is you're actually hoping to achieve or wanting to do with 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here?","start":548.49,"end":552.43,"sentiment":"neutral","sentiment_score":0.1921458024945524}],"sentiment":"neutral","sentiment_score":0.27313599904829805,"channel":0,"num_words":22,"start":545.85,"end":552.43},{"sentences":[{"text":"I just obviously making sure that the Subaru is growing.","start":554.8,"end":558.325,"sentiment":"neutral","sentiment_score":0.07020410224795341},{"text":"Because when I","start":559.425,"end":559.985,"sentiment":"neutral","sentiment_score":0.0019499833385149632}],"sentiment":"neutral","sentiment_score":0.0544531517303907,"channel":1,"num_words":13,"start":554.8,"end":559.985},{"sentences":[{"text":"Yeah.","start":559.955,"end":560.455,"sentiment":"neutral","sentiment_score":0.00699539203196764}],"sentiment":"neutral","sentiment_score":0.00699539203196764,"channel":0,"num_words":1,"start":559.955,"end":560.455},{"sentences":[{"text":"I joined up with you guys, I didn't have much in my coupon.","start":559.985,"end":562.965,"sentiment":"neutral","sentiment_score":-0.0386215580197481},{"text":"And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine.","start":564.78503,"end":576.57996,"sentiment":"neutral","sentiment_score":0.03970943205058575}],"sentiment":"neutral","sentiment_score":0.014872776662431112,"channel":1,"num_words":41,"start":559.985,"end":576.57996},{"sentences":[{"text":"Sorry, but I think the phone just cut out.","start":581.505,"end":583.34503,"sentiment":"neutral","sentiment_score":-0.27288781934314305},{"text":"Can you hear me okay still?","start":583.34503,"end":584.80505,"sentiment":"neutral","sentiment_score":-0.14310922597845396},{"text":"Hello?","start":587.265,"end":587.765,"sentiment":"neutral","sentiment_score":-0.041106946766376495}],"sentiment":"neutral","sentiment_score":-0.20973454229533672,"channel":0,"num_words":16,"start":581.505,"end":587.765},{"sentences":[{"text":"With with my choices of what to invest it in?","start":590.65497,"end":595.235,"sentiment":"neutral","sentiment_score":-0.03805129658430815}],"sentiment":"neutral","sentiment_score":-0.03805129658430815,"channel":1,"num_words":10,"start":590.65497,"end":595.235},{"sentences":[{"text":"Yeah.","start":595.64,"end":596.14,"sentiment":"neutral","sentiment_score":0.0838547945022583},{"text":"Absolutely.","start":596.28,"end":596.78,"sentiment":"neutral","sentiment_score":0.15696080029010773},{"text":"Well, I can definitely look at reviewing that for you at the moment.","start":597.0,"end":599.64,"sentiment":"neutral","sentiment_score":0.13079545417657265},{"text":"So having a look, now I did have a look back at your annual review in 2024 when you completed with the team.","start":599.64,"end":605.055,"sentiment":"neutral","sentiment_score":0.06805484029261963},{"text":"Your balance then was a $123,007.75 and 44¢ there.","start":605.055,"end":610.515,"sentiment":"neutral","sentiment_score":0.03908178932033479}],"sentiment":"neutral","sentiment_score":0.0830233073995813,"channel":0,"num_words":47,"start":595.64,"end":610.515},{"sentences":[{"text":"When you touched base and had your annual review late last year sorry.","start":611.055,"end":614.735,"sentiment":"neutral","sentiment_score":0.01967786682339815},{"text":"I'm just pulling those documents back up for you.","start":614.735,"end":618.19995,"sentiment":"neutral","sentiment_score":0.08653484533230464},{"text":"The balance then well, the balance as of now, let's go straight to the balance now, is a $151,004.83 and 17¢.","start":620.5,"end":627.69995,"sentiment":"neutral","sentiment_score":0.0694769985973835},{"text":"So you have had a bit of a growth in there, which is fantastic to see.","start":627.69995,"end":631.24,"sentiment":"positive","sentiment_score":0.6624834910035133},{"text":"Having a look at the way you are invested, now as I kinda went through before, you are in a growth portfolio.","start":631.96497,"end":636.46497,"sentiment":"neutral","sentiment_score":0.16907974976030263}],"sentiment":"neutral","sentiment_score":0.20929570249281823,"channel":0,"num_words":81,"start":611.055,"end":636.46497},{"sentences":[{"text":"So you do see about 80% of your funds investing growth investments, the things like international shares, listed shares, commodities, and also listed property.","start":636.52496,"end":646.065,"sentiment":"neutral","sentiment_score":0.1378219354276856},{"text":"And then the other 20% in defenses, so low risk investments like cash, bonds, and fixed interest.","start":646.125,"end":651.51996,"sentiment":"neutral","sentiment_score":0.1314194802852238},{"text":"Having a look at the portfolio as a whole and all your individual investments, they have performed really quite well.","start":651.98,"end":658.16,"sentiment":"positive","sentiment_score":0.3605737626552582},{"text":"I have just noticed here, having a look, one of your investments is down a little bit.","start":658.54,"end":662.395,"sentiment":"neutral","sentiment_score":-0.18774739258429585},{"text":"So Bannalong Australian Equities, that's giving you your Australian Equities portion, and Bannalong is meant to be more of an actively managed part of your investment.","start":662.395,"end":670.335,"sentiment":"neutral","sentiment_score":-0.028638860980908457}],"sentiment":"neutral","sentiment_score":0.08477900777674782,"channel":0,"num_words":104,"start":636.52496,"end":670.335},{"sentences":[{"text":"That is down quite significantly from sort of late November, early December.","start":671.115,"end":675.435,"sentiment":"negative","sentiment_score":-0.3572562113404274},{"text":"That's because of one their underlying investors had a bit of an issue.","start":675.435,"end":678.70996,"sentiment":"neutral","sentiment_score":-0.2685405359818385},{"text":"They a corporate traveler, if you haven't heard in the news, actually went back and was been a bit dishonest to the market and to their investors that came out, and it meant that Fenelon had to reevaluate that portion of their investments.","start":679.32996,"end":689.75,"sentiment":"negative","sentiment_score":-0.35146187904269194},{"text":"So we've just been going back over the last couple of weeks and reevaluating this portion of everyone's portfolios, and we do wanna kind of move you out of that.","start":690.355,"end":698.515,"sentiment":"neutral","sentiment_score":-0.2207048234840234},{"text":"So if you like, what I could do is I can have a look at, obviously, the Superfund you're in.","start":698.515,"end":702.7316,"sentiment":"neutral","sentiment_score":-0.024521736800670622}],"sentiment":"neutral","sentiment_score":-0.2542588283323636,"channel":0,"num_words":118,"start":671.115,"end":702.7316},{"sentences":[{"text":"I can look at other options for Superfund to see if there's something cheaper out there than Netwealth, but also look at the different portfolio structures and see if there's something that has been providing better performance, might be lower cost in fees.","start":702.7316,"end":714.20636,"sentiment":"neutral","sentiment_score":0.06800846920110458},{"text":"Are you open to me reevaluating all of that for 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yeah.","start":718.485,"end":719.285,"sentiment":"neutral","sentiment_score":0.01774062542244792},{"text":"Because","start":719.285,"end":719.445,"sentiment":"neutral","sentiment_score":0.008343538269400597}],"sentiment":"neutral","sentiment_score":0.026819014655692235,"channel":1,"num_words":7,"start":717.605,"end":719.445},{"sentences":[{"text":"Yeah.","start":719.315,"end":719.815,"sentiment":"neutral","sentiment_score":0.024474898353219032}],"sentiment":"neutral","sentiment_score":0.024474898353219032,"channel":0,"num_words":1,"start":719.315,"end":719.815},{"sentences":[{"text":"we did signal speed this year.","start":719.445,"end":720.85004,"sentiment":"neutral","sentiment_score":0.01855234056711197},{"text":"We're a little bit high.","start":720.85004,"end":722.23004,"sentiment":"neutral","sentiment_score":-0.12988265603780746}],"sentiment":"neutral","sentiment_score":-0.04891811243512414,"channel":1,"num_words":11,"start":719.445,"end":722.23004},{"sentences":[{"text":"Yeah.","start":722.59503,"end":723.09503,"sentiment":"neutral","sentiment_score":-0.11564473807811736}],"sentiment":"neutral","sentiment_score":-0.11564473807811736,"channel":0,"num_words":1,"start":722.59503,"end":723.09503},{"sentences":[{"text":"And that's sort of each away on what you're trying to to grow.","start":723.65,"end":727.83,"sentiment":"neutral","sentiment_score":-0.2037527859210968}],"sentiment":"neutral","sentiment_score":-0.2037527859210968,"channel":1,"num_words":13,"start":723.65,"end":727.83},{"sentences":[{"text":"Yeah.","start":728.435,"end":728.935,"sentiment":"neutral","sentiment_score":0.021090328693389893},{"text":"That's okay.","start":729.48,"end":730.22,"sentiment":"neutral","sentiment_score":-0.005307083949446678},{"text":"Well, I can go back and review all the different options for super funds out there.","start":730.44,"end":733.8,"sentiment":"neutral","sentiment_score":0.1418217378668487},{"text":"You'd be comfortable if we recommended a different super fund as a whole and moved everything out of Netwealth for you.","start":733.8,"end":739.39996,"sentiment":"neutral","sentiment_score":0.2242983022616023},{"text":"That wouldn't be a problem.","start":739.39996,"end":740.54,"sentiment":"neutral","sentiment_score":0.1985021486878395}],"sentiment":"neutral","sentiment_score":0.17738664572437604,"channel":0,"num_words":45,"start":728.435,"end":740.54},{"sentences":[{"text":"No.","start":743.265,"end":743.505,"sentiment":"neutral","sentiment_score":0.03969018906354904},{"text":"I'd I'd be open for the suggestion.","start":743.505,"end":744.98,"sentiment":"neutral","sentiment_score":0.08133895322680473},{"text":"Yeah.","start":744.98,"end":745.48,"sentiment":"neutral","sentiment_score":0.1662050187587738},{"text":"Yep.","start":745.94,"end":746.44,"sentiment":"neutral","sentiment_score":0.17647111415863037}],"sentiment":"neutral","sentiment_score":0.09517389945685864,"channel":1,"num_words":10,"start":743.265,"end":746.44},{"sentences":[{"text":"Yep.","start":746.135,"end":746.375,"sentiment":"neutral","sentiment_score":0.21383854746818545},{"text":"Yeah.","start":746.375,"end":746.775,"sentiment":"positive","sentiment_score":0.3882445394992829},{"text":"Absolutely.","start":746.775,"end":747.275,"sentiment":"positive","sentiment_score":0.6700829863548279},{"text":"Perfect.","start":747.895,"end":748.395,"sentiment":"positive","sentiment_score":0.7201662659645081},{"text":"Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000.","start":748.455,"end":754.135,"sentiment":"neutral","sentiment_score":0.24114862263202666}],"sentiment":"neutral","sentiment_score":0.2765878587961197,"channel":0,"num_words":29,"start":746.135,"end":754.135},{"sentences":[{"text":"In the meantime, I'll also go back and do a little bit of research.","start":754.135,"end":757.195,"sentiment":"neutral","sentiment_score":0.14481214327471598},{"text":"It is quite a significant amount of research to do to look at all the different funds out there, all the different investment options, sorry, that we have as well.","start":757.58997,"end":764.55,"sentiment":"neutral","sentiment_score":0.13245001944402854},{"text":"So it does take a couple of weeks to put that together for you.","start":764.55,"end":767.37,"sentiment":"neutral","sentiment_score":0.11005892604589462}],"sentiment":"neutral","sentiment_score":0.13002923368636904,"channel":0,"num_words":58,"start":754.135,"end":767.37},{"sentences":[{"text":"Okay.","start":767.795,"end":768.295,"sentiment":"neutral","sentiment_score":0.11016380041837692}],"sentiment":"neutral","sentiment_score":0.11016380041837692,"channel":1,"num_words":1,"start":767.795,"end":768.295},{"sentences":[{"text":"But once I have the plan ready, we can come back and have a look at that together.","start":768.31,"end":772.08997,"sentiment":"neutral","sentiment_score":0.14525368312994638},{"text":"I'll go through the recommendations there with you.","start":772.155,"end":774.655,"sentiment":"neutral","sentiment_score":0.18516843393445015},{"text":"You'll get to see everything, see the advantages, disadvantages, and the risks involved, and then you get to decide whether you take on all, some, or none of the 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on 70 for the moment.","start":846.56006,"end":848.18005,"sentiment":"neutral","sentiment_score":0.07640097414453824},{"text":"Yeah.","start":849.84,"end":850.24005,"sentiment":"neutral","sentiment_score":0.31681549549102783},{"text":"Perfect.","start":850.24005,"end":850.74005,"sentiment":"positive","sentiment_score":0.5614597797393799},{"text":"The next one here is asking about how much risk you're comfortable taking in order to get greater returns.","start":851.36005,"end":856.58,"sentiment":"neutral","sentiment_score":0.07797097591193099},{"text":"So would you consider yourself happy to take on a higher level of risk to obtain greater potential returns?","start":856.64,"end":863.03503,"sentiment":"neutral","sentiment_score":0.12473934379063155}],"sentiment":"neutral","sentiment_score":0.11278646074883315,"channel":0,"num_words":46,"start":846.56006,"end":863.03503},{"sentences":[{"text":"Would you see yourself taking on a moderate or medium amount of risk to get the best returns 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apologize.","start":1013.195,"end":1013.935,"sentiment":"neutral","sentiment_score":-0.01585179567337036}],"sentiment":"neutral","sentiment_score":0.045483241287561565,"channel":0,"num_words":13,"start":1010.555,"end":1013.935},{"sentences":[{"text":"Probably fifth or ninth.","start":1014.915,"end":1016.53503,"sentiment":"neutral","sentiment_score":0.010933816200122237}],"sentiment":"neutral","sentiment_score":0.010933816200122237,"channel":1,"num_words":4,"start":1014.915,"end":1016.53503},{"sentences":[{"text":"Per fortnight?","start":1016.83997,"end":1017.64,"sentiment":"neutral","sentiment_score":0.020673328544944525},{"text":"Yeah.","start":1017.64,"end":1017.96,"sentiment":"neutral","sentiment_score":0.13406190276145935},{"text":"Absolutely.","start":1017.96,"end":1018.36,"sentiment":"neutral","sentiment_score":0.32314950227737427},{"text":"I can add that into the advice document and show you what that looks 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thing.","start":1023.8,"end":1034.4451,"sentiment":"neutral","sentiment_score":0.14940372547682593},{"text":"Okay.","start":1034.4451,"end":1034.9451,"sentiment":"neutral","sentiment_score":0.13277728855609894}],"sentiment":"neutral","sentiment_score":0.1490839863052735,"channel":0,"num_words":52,"start":1023.8,"end":1034.9451},{"sentences":[{"text":"Yeah.","start":1035.67,"end":1036.17,"sentiment":"neutral","sentiment_score":0.19632884860038757}],"sentiment":"neutral","sentiment_score":0.19632884860038757,"channel":1,"num_words":1,"start":1035.67,"end":1036.17},{"sentences":[{"text":"Perfect.","start":1036.8451,"end":1037.3451,"sentiment":"positive","sentiment_score":0.38055986166000366},{"text":"All good.","start":1039.165,"end":1039.885,"sentiment":"positive","sentiment_score":0.41712410748004913},{"text":"Now the second last one here is basically asking, have you ever seen your super fall in value again?","start":1039.885,"end":1044.8201,"sentiment":"neutral","sentiment_score":-0.0970381949292986},{"text":"If you did, this is due to, like, external market factors.","start":1044.8201,"end":1047.86,"sentiment":"neutral","sentiment_score":-0.14611211757768283},{"text":"How do you think you'd be feeling?","start":1047.86,"end":1049.4,"sentiment":"neutral","sentiment_score":-0.05005099305084774}],"sentiment":"neutral","sentiment_score":-0.06466269679367542,"channel":0,"num_words":40,"start":1036.8451,"end":1049.4},{"sentences":[{"text":"The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned?","start":1049.54,"end":1057.9651,"sentiment":"neutral","sentiment_score":-0.18516197735848633}],"sentiment":"neutral","sentiment_score":-0.18516197735848633,"channel":0,"num_words":23,"start":1049.54,"end":1057.9651},{"sentences":[{"text":"Definitely a bit of concern.","start":1059.2899,"end":1060.51,"sentiment":"neutral","sentiment_score":-0.2172545909881592},{"text":"Yes.","start":1060.57,"end":1061.07,"sentiment":"neutral","sentiment_score":0.01322856731712818}],"sentiment":"neutral","sentiment_score":-0.1788407312706113,"channel":1,"num_words":6,"start":1059.2899,"end":1061.07},{"sentences":[{"text":"Yep.","start":1061.2251,"end":1061.545,"sentiment":"neutral","sentiment_score":0.03025231882929802},{"text":"Yep.","start":1061.545,"end":1061.865,"sentiment":"neutral","sentiment_score":0.05665203928947449},{"text":"That's okay.","start":1061.865,"end":1062.605,"sentiment":"neutral","sentiment_score":0.12761759757995605},{"text":"Not a problem at all.","start":1062.745,"end":1063.785,"sentiment":"neutral","sentiment_score":0.127762833237648},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property?","start":1063.785,"end":1071.4199,"sentiment":"neutral","sentiment_score":0.02037933138349364}],"sentiment":"neutral","sentiment_score":0.04031782480888069,"channel":0,"num_words":40,"start":1061.2251,"end":1071.4199},{"sentences":[{"text":"Yeah.","start":1073.2949,"end":1073.535,"sentiment":"neutral","sentiment_score":-0.0009479187428951265},{"text":"No.","start":1073.535,"end":1073.775,"sentiment":"neutral","sentiment_score":-0.0375848300755024},{"text":"I only borrow from property.","start":1073.775,"end":1075.235,"sentiment":"neutral","sentiment_score":-0.030368588492274286}],"sentiment":"neutral","sentiment_score":-0.02719652732568128,"channel":1,"num_words":7,"start":1073.2949,"end":1075.235},{"sentences":[{"text":"Yep.","start":1075.96,"end":1076.28,"sentiment":"neutral","sentiment_score":0.07645341753959656},{"text":"That's okay.","start":1076.28,"end":1077.1,"sentiment":"neutral","sentiment_score":0.16086286306381226},{"text":"Not a problem at all.","start":1077.16,"end":1078.62,"sentiment":"neutral","sentiment_score":0.2502573072910309},{"text":"Perfect.","start":1080.0399,"end":1080.5399,"sentiment":"positive","sentiment_score":0.45290082693099976},{"text":"And I can see here one of your goals is down the track to purchase a home well.","start":1080.6,"end":1084.595,"sentiment":"neutral","sentiment_score":0.29359153575367397}],"sentiment":"neutral","sentiment_score":0.27359311668961134,"channel":0,"num_words":27,"start":1075.96,"end":1084.595},{"sentences":[{"text":"Yeah.","start":1085.71,"end":1086.03,"sentiment":"neutral","sentiment_score":0.048128943890333176},{"text":"Yeah.","start":1086.03,"end":1086.51,"sentiment":"neutral","sentiment_score":0.011672155000269411},{"text":"No.","start":1086.51,"end":1086.99,"sentiment":"neutral","sentiment_score":-0.031616829335689545}],"sentiment":"neutral","sentiment_score":0.009394756518304348,"channel":1,"num_words":3,"start":1085.71,"end":1086.99},{"sentences":[{"text":"Yeah.","start":1086.815,"end":1087.315,"sentiment":"neutral","sentiment_score":-0.022344162687659264}],"sentiment":"neutral","sentiment_score":-0.022344162687659264,"channel":0,"num_words":1,"start":1086.815,"end":1087.315},{"sentences":[{"text":"We would we would like to, but, yeah, not quite at the moment, unfortunately.","start":1086.99,"end":1092.13,"sentiment":"neutral","sentiment_score":-0.08124956408781665}],"sentiment":"neutral","sentiment_score":-0.08124956408781665,"channel":1,"num_words":14,"start":1086.99,"end":1092.13},{"sentences":[{"text":"No.","start":1092.975,"end":1093.2949,"sentiment":"neutral","sentiment_score":-0.046653833240270615},{"text":"That's okay.","start":1093.2949,"end":1094.115,"sentiment":"neutral","sentiment_score":0.32458043098449707},{"text":"Is it something you, you know, you would like to do over the next sort of four to five or ten years, or you're not really sure what kind of time frame you'd like to do that in?","start":1094.575,"end":1102.2,"sentiment":"neutral","sentiment_score":0.015823180382875234}],"sentiment":"neutral","sentiment_score":0.029360680079950793,"channel":0,"num_words":41,"start":1092.975,"end":1102.2},{"sentences":[{"text":"I'm not sure what time frame, really.","start":1102.7151,"end":1104.5751,"sentiment":"neutral","sentiment_score":-0.08578275144100189}],"sentiment":"neutral","sentiment_score":-0.08578275144100189,"channel":1,"num_words":7,"start":1102.7151,"end":1104.5751},{"sentences":[{"text":"Yeah.","start":1105.0599,"end":1105.38,"sentiment":"neutral","sentiment_score":0.0314631387591362},{"text":"No.","start":1105.38,"end":1105.5399,"sentiment":"neutral","sentiment_score":0.04921036213636398},{"text":"That's okay.","start":1105.5399,"end":1106.1799,"sentiment":"neutral","sentiment_score":0.16491489857435226},{"text":"That's not a problem at all.","start":1106.1799,"end":1107.7999,"sentiment":"neutral","sentiment_score":0.3146961530049642},{"text":"Perfect.","start":1108.34,"end":1108.84,"sentiment":"positive","sentiment_score":0.6419495940208435}],"sentiment":"neutral","sentiment_score":0.2673299827358939,"channel":0,"num_words":11,"start":1105.0599,"end":1108.84},{"sentences":[{"text":"I'll pop some details in the email there for you.","start":1108.98,"end":1111.425,"sentiment":"positive","sentiment_score":0.46355662047863005},{"text":"Excellent.","start":1111.8251,"end":1112.3251,"sentiment":"positive","sentiment_score":0.5843411087989807},{"text":"Well, having a look at that one that you have scored as a growth investor.","start":1112.545,"end":1115.665,"sentiment":"neutral","sentiment_score":0.22273545165856679},{"text":"So as I mentioned before, that is the profile that we have you in at the moment.","start":1115.665,"end":1118.9651,"sentiment":"neutral","sentiment_score":0.14468195333200343},{"text":"A growth investor typically suits someone who has at least six years before they're wanting to access their super, so it fits in with yourself.","start":1119.425,"end":1126.3251,"sentiment":"neutral","sentiment_score":0.16736934408545495}],"sentiment":"neutral","sentiment_score":0.22359949848888552,"channel":0,"num_words":68,"start":1108.98,"end":1126.3251},{"sentences":[{"text":"You're only having a look at your ATM.","start":1126.98,"end":1128.82,"sentiment":"neutral","sentiment_score":0.03405737457796931},{"text":"So sorry.","start":1128.82,"end":1129.38,"sentiment":"neutral","sentiment_score":-0.015614446252584457},{"text":"You're 49 coming up in a week and a bit time, so you've got a a lot of time ahead of you before you're able to access super.","start":1129.38,"end":1136.26,"sentiment":"neutral","sentiment_score":-0.0194303212421281},{"text":"So that profile does certainly still help you out there.","start":1136.26,"end":1139.56,"sentiment":"neutral","sentiment_score":0.2827618695795536},{"text":"Realistically, the growth portfolio, we would expect negative returns sort of one in every five, and we do understand that with markets going up and down, the more risk we take, we do expect negative returns every couple of years.","start":1140.155,"end":1152.1749,"sentiment":"neutral","sentiment_score":-0.11547865131869912}],"sentiment":"neutral","sentiment_score":-0.023799389177425342,"channel":0,"num_words":88,"start":1126.98,"end":1152.1749},{"sentences":[{"text":"But the average returns we'd sorta hope to achieve from this sort of a portfolio would be between sort of seven to 9%.","start":1152.48,"end":1158.48,"sentiment":"neutral","sentiment_score":0.04165920756919229},{"text":"Does that profile still fit with what you're after?","start":1158.48,"end":1160.96,"sentiment":"neutral","sentiment_score":0.08182385108537144},{"text":"You're still comfortable with that sort of asset location and the growth profile?","start":1160.96,"end":1164.645,"sentiment":"neutral","sentiment_score":0.04714857614957369}],"sentiment":"neutral","sentiment_score":0.05127795386231608,"channel":0,"num_words":45,"start":1152.48,"end":1164.645},{"sentences":[{"text":"Yeah.","start":1165.22,"end":1165.4601,"sentiment":"neutral","sentiment_score":0.06746552884578705},{"text":"I think so.","start":1165.4601,"end":1166.18,"sentiment":"neutral","sentiment_score":0.08275032291809718},{"text":"Yeah.","start":1166.18,"end":1166.68,"sentiment":"neutral","sentiment_score":0.10353606939315796}],"sentiment":"neutral","sentiment_score":0.08385051339864731,"channel":1,"num_words":5,"start":1165.22,"end":1166.68},{"sentences":[{"text":"Yeah.","start":1167.125,"end":1167.605,"sentiment":"neutral","sentiment_score":0.18544277548789975},{"text":"Perfect.","start":1167.605,"end":1168.085,"sentiment":"neutral","sentiment_score":0.32081925868988037},{"text":"Not a problem.","start":1168.085,"end":1168.725,"sentiment":"neutral","sentiment_score":0.22156125803788504},{"text":"Well, I can have a look at that for you just to kinda recap.","start":1168.725,"end":1171.4451,"sentiment":"neutral","sentiment_score":0.13896358758211136},{"text":"I'll review the super fund that you're in as well as the other options out there.","start":1171.4451,"end":1175.305,"sentiment":"neutral","sentiment_score":0.1415563067421317}],"sentiment":"neutral","sentiment_score":0.15375248406614575,"channel":0,"num_words":35,"start":1167.125,"end":1175.305},{"sentences":[{"text":"Have a look at all the different options for for investment profiles.","start":1175.605,"end":1180.025,"sentiment":"neutral","sentiment_score":0.10474966869999965},{"text":"And then I can also look at recommending that $50 on a fortnightly basis to sort of show you what that salary sacrifice can do to start with, and then we can kinda go from there.","start":1180.51,"end":1189.1699,"sentiment":"neutral","sentiment_score":0.1582936675598224},{"text":"The only other thing that's really important to sort of touch base on is the type of investing profile that you're after as well.","start":1189.3099,"end":1194.99,"sentiment":"neutral","sentiment_score":0.05688044906128198},{"text":"So when we are investing in investments in our super, we have lots of different investment options to choose from.","start":1194.99,"end":1200.825,"sentiment":"neutral","sentiment_score":0.0814799627289176},{"text":"And the point of having some of that ban along in your investment profile or in your investments back when you came on board was to have a little bit of active management in there.","start":1200.885,"end":1209.66,"sentiment":"neutral","sentiment_score":0.09457273398126875}],"sentiment":"neutral","sentiment_score":0.10441215573186714,"channel":0,"num_words":127,"start":1175.605,"end":1209.66},{"sentences":[{"text":"Now one of the benefits of having these sort of active managers in your profile or in your investments is that they are trying to buy and sell so that they can try and outperform against the market or the benchmark that they're trying to follow along with.","start":1209.8201,"end":1222.035,"sentiment":"positive","sentiment_score":0.3460642707844575},{"text":"However, over the longer term, there's no guarantees they're going to, and quite often active managers don't outperform the market.","start":1222.515,"end":1228.6951,"sentiment":"neutral","sentiment_score":-0.07500556372106075},{"text":"We can look at other styles like passive investing, which can be often a little bit cheaper.","start":1229.635,"end":1234.855,"sentiment":"neutral","sentiment_score":0.19405990269254236},{"text":"You don't have those active managers there.","start":1234.92,"end":1236.8401,"sentiment":"neutral","sentiment_score":0.08249524022851672},{"text":"They're not trying to outperform the market.","start":1236.8401,"end":1238.52,"sentiment":"neutral","sentiment_score":0.15325538601194108}],"sentiment":"neutral","sentiment_score":0.20262875204736536,"channel":0,"num_words":99,"start":1209.8201,"end":1238.52},{"sentences":[{"text":"You're just tracking the market.","start":1238.52,"end":1239.8,"sentiment":"neutral","sentiment_score":0.24253567457199096},{"text":"And quite often, just being in participating in the market and tracking a certain benchmark, you can actually do much better, than those active managers are trying to do.","start":1239.8,"end":1248.7251,"sentiment":"neutral","sentiment_score":0.32132454935846655},{"text":"Did you want me to look at something more lower cost like that, so that a passive managements management style for your investment?","start":1248.7251,"end":1255.4651,"sentiment":"neutral","sentiment_score":0.17445528863564783}],"sentiment":"neutral","sentiment_score":0.2551502095241296,"channel":0,"num_words":57,"start":1238.52,"end":1255.4651},{"sentences":[{"text":"Yeah.","start":1256.1499,"end":1256.47,"sentiment":"neutral","sentiment_score":0.1527915596961975},{"text":"I think if it's lower","start":1256.47,"end":1257.715,"sentiment":"neutral","sentiment_score":0.18028924763202667}],"sentiment":"neutral","sentiment_score":0.1757062996427218,"channel":1,"num_words":6,"start":1256.1499,"end":1257.715},{"sentences":[{"text":"Mhmm.","start":1258.7251,"end":1259.2251,"sentiment":"neutral","sentiment_score":0.12870711088180542}],"sentiment":"neutral","sentiment_score":0.12870711088180542,"channel":0,"num_words":1,"start":1258.7251,"end":1259.2251},{"sentences":[{"text":"yeah.","start":1258.835,"end":1259.315,"sentiment":"neutral","sentiment_score":0.12880206108093262},{"text":"Like, lower","start":1259.315,"end":1259.875,"sentiment":"neutral","sentiment_score":0.10281245037913322}],"sentiment":"neutral","sentiment_score":0.11147565394639969,"channel":1,"num_words":3,"start":1258.835,"end":1259.875},{"sentences":[{"text":"Yeah.","start":1259.8451,"end":1260.3451,"sentiment":"neutral","sentiment_score":0.08330762386322021}],"sentiment":"neutral","sentiment_score":0.08330762386322021,"channel":0,"num_words":1,"start":1259.8451,"end":1260.3451},{"sentences":[{"text":"cost to us.","start":1259.875,"end":1260.9149,"sentiment":"neutral","sentiment_score":0.13322081665198007},{"text":"Yep.","start":1260.9149,"end":1261.235,"sentiment":"neutral","sentiment_score":0.15029039978981018},{"text":"Sure.","start":1261.235,"end":1261.735,"sentiment":"neutral","sentiment_score":0.3255762457847595}],"sentiment":"neutral","sentiment_score":0.17510581910610198,"channel":1,"num_words":5,"start":1259.875,"end":1261.735},{"sentences":[{"text":"Perfect.","start":1262.405,"end":1262.905,"sentiment":"positive","sentiment_score":0.45848995447158813},{"text":"And have you do you log in to your Netwealth, sorry, option?","start":1263.57,"end":1266.37,"sentiment":"neutral","sentiment_score":0.08002415144195159},{"text":"Do you have a look at the investments and where the money is sort of invested?","start":1266.37,"end":1270.87,"sentiment":"neutral","sentiment_score":0.041538281133398414}],"sentiment":"neutral","sentiment_score":0.07184111275549593,"channel":0,"num_words":29,"start":1262.405,"end":1270.87},{"sentences":[{"text":"No.","start":1271.4801,"end":1271.88,"sentiment":"neutral","sentiment_score":-0.06607905775308609},{"text":"Not very often at all, really.","start":1271.88,"end":1273.5,"sentiment":"neutral","sentiment_score":-0.1009273591140906}],"sentiment":"neutral","sentiment_score":-0.09594903034823281,"channel":1,"num_words":7,"start":1271.4801,"end":1273.5},{"sentences":[{"text":"No.","start":1273.89,"end":1274.13,"sentiment":"neutral","sentiment_score":-0.07160630077123642},{"text":"That's okay.","start":1274.13,"end":1274.85,"sentiment":"neutral","sentiment_score":0.008131897076964378},{"text":"Because there is one other option I sort of wanted to bring out.","start":1274.85,"end":1277.25,"sentiment":"neutral","sentiment_score":0.056047278528030105},{"text":"So over the course of the last twelve months, our investment committee have teamed up with BlackRock, which is one of Australia's largest investment firms.","start":1277.25,"end":1284.605,"sentiment":"neutral","sentiment_score":0.07166858226060867},{"text":"Essentially, they've built what's called a an SMA or a separately managed account.","start":1284.9249,"end":1288.865,"sentiment":"neutral","sentiment_score":0.056443747849418566}],"sentiment":"neutral","sentiment_score":0.05923621097786559,"channel":0,"num_words":54,"start":1273.89,"end":1288.865},{"sentences":[{"text":"One of the benefits of these separately managed accounts is while you lose a little bit of visibility, essentially, once you log in to your super fund, all you see is how much you've got there and the estimate.","start":1289.0049,"end":1299.07,"sentiment":"neutral","sentiment_score":0.08371927742010508},{"text":"We can give you trade reports and give you a bit more detail of on the the underlying.","start":1299.37,"end":1303.63,"sentiment":"neutral","sentiment_score":0.11017329147499469},{"text":"But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place.","start":1304.01,"end":1321.71,"sentiment":"neutral","sentiment_score":0.19902458656252475},{"text":"Or if the market was may making a bit of a turn or COVID was coming or we sort of saw something that needed to change, we would be able to make these changes to your profile very quickly without having to call and update advice documents.","start":1321.71,"end":1333.1699,"sentiment":"neutral","sentiment_score":0.24878347696776085},{"text":"The reason we haven't been able to with Bannalung at the moment is that because when you came on board, you were provided the advice document with these rest with these investments recommended, we've had to keep you in line with that risk profile and with those investments that were recommended to you.","start":1333.5499,"end":1348.025,"sentiment":"neutral","sentiment_score":-0.033705322423352384}],"sentiment":"neutral","sentiment_score":0.12382716742544392,"channel":0,"num_words":214,"start":1289.0049,"end":1348.025},{"sentences":[{"text":"And in order to update any of those, we currently have to provide a new advice document to you and go through all the the conversation that we're having today.","start":1348.025,"end":1355.49,"sentiment":"neutral","sentiment_score":0.022580509384473164},{"text":"If we did look at this, SMA, the separately managed account, as I mentioned, you lose a little bit of visibility on the investments that you're in.","start":1355.7899,"end":1363.33,"sentiment":"neutral","sentiment_score":-0.06361819113846179},{"text":"However, we can provide regular change reports, and it does give a few a lot more control around changing the underlying investments for you.","start":1363.39,"end":1371.185,"sentiment":"positive","sentiment_score":0.36683132002751034},{"text":"It can be a bit more low cost as well.","start":1371.185,"end":1373.365,"sentiment":"positive","sentiment_score":0.4448897629976273},{"text":"Did you want me to have a look at something like the SMA?","start":1373.8251,"end":1376.485,"sentiment":"neutral","sentiment_score":0.0753777905438955}],"sentiment":"neutral","sentiment_score":0.12685081450483546,"channel":0,"num_words":104,"start":1348.025,"end":1376.485},{"sentences":[{"text":"Or","start":1376.545,"end":1377.045,"sentiment":"neutral","sentiment_score":0.016646675765514374}],"sentiment":"neutral","sentiment_score":0.016646675765514374,"channel":0,"num_words":1,"start":1376.545,"end":1377.045},{"sentences":[{"text":"Maybe.","start":1379.7351,"end":1380.135,"sentiment":"neutral","sentiment_score":-0.021247103810310364},{"text":"But then it might be a bit overwhelming with all of the advice that you're gonna be giving me by the standard.","start":1380.135,"end":1384.4751,"sentiment":"neutral","sentiment_score":-0.3073196231641553}],"sentiment":"neutral","sentiment_score":-0.29488168754007504,"channel":1,"num_words":23,"start":1379.7351,"end":1384.4751},{"sentences":[{"text":"no.","start":1386.31,"end":1386.55,"sentiment":"neutral","sentiment_score":-0.2061058133840561},{"text":"Well, essentially, it's just the investment.","start":1386.55,"end":1388.41,"sentiment":"neutral","sentiment_score":-0.042529293025533356},{"text":"So if I have a look at the the SMA for you, it's just changing the investments within that within your super.","start":1388.63,"end":1397.085,"sentiment":"neutral","sentiment_score":0.08541687374765222}],"sentiment":"neutral","sentiment_score":0.048892746583141126,"channel":0,"num_words":29,"start":1386.31,"end":1397.085},{"sentences":[{"text":"Okay.","start":1398.3899,"end":1398.87,"sentiment":"neutral","sentiment_score":0.12809988856315613},{"text":"Yep.","start":1398.87,"end":1399.37,"sentiment":"neutral","sentiment_score":0.1527387499809265},{"text":"Yep.","start":1399.4299,"end":1399.9299,"sentiment":"neutral","sentiment_score":0.1966257095336914}],"sentiment":"neutral","sentiment_score":0.15915478269259134,"channel":1,"num_words":3,"start":1398.3899,"end":1399.9299},{"sentences":[{"text":"Yeah.","start":1400.105,"end":1400.605,"sentiment":"neutral","sentiment_score":0.2736464738845825},{"text":"Are you comfortable with me having a look at it?","start":1402.425,"end":1404.505,"sentiment":"neutral","sentiment_score":0.15974549800157548},{"text":"I know there's kind of a lot that we sort of touched on today, and it it sounds like it's gonna be a lot.","start":1404.505,"end":1408.745,"sentiment":"neutral","sentiment_score":-0.032648687871793904},{"text":"But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all?","start":1408.745,"end":1419.02,"sentiment":"neutral","sentiment_score":0.07775010820478201}],"sentiment":"neutral","sentiment_score":0.05806672456393759,"channel":0,"num_words":83,"start":1400.105,"end":1419.02},{"sentences":[{"text":"Yeah.","start":1419.84,"end":1420.34,"sentiment":"neutral","sentiment_score":0.13147424161434174},{"text":"That wouldn't hurt.","start":1420.4,"end":1421.2,"sentiment":"neutral","sentiment_score":0.22864778836568198},{"text":"Yes.","start":1421.2,"end":1421.7,"sentiment":"neutral","sentiment_score":0.20194220542907715}],"sentiment":"neutral","sentiment_score":0.20387196242809297,"channel":1,"num_words":5,"start":1419.84,"end":1421.7},{"sentences":[{"text":"Yeah?","start":1421.8,"end":1422.28,"sentiment":"neutral","sentiment_score":0.17110247910022736},{"text":"Oh, good.","start":1422.28,"end":1422.68,"sentiment":"positive","sentiment_score":0.4559943675994873},{"text":"No worries.","start":1422.68,"end":1423.16,"sentiment":"neutral","sentiment_score":0.24277114123106003},{"text":"I know sometimes I'm going through a lot, and I'm asking you a lot questions and try to explain yeah.","start":1423.16,"end":1427.615,"sentiment":"neutral","sentiment_score":0.07946550492197275},{"text":"Go through it all with you.","start":1427.615,"end":1428.495,"sentiment":"neutral","sentiment_score":0.10155617694060008}],"sentiment":"neutral","sentiment_score":0.12152518247885088,"channel":0,"num_words":31,"start":1421.8,"end":1428.495},{"sentences":[{"text":"There is a lot to consider, and it does seem like a lot.","start":1428.495,"end":1431.075,"sentiment":"neutral","sentiment_score":0.0675668795234882},{"text":"But if you want, you can utilize me to the best of your capacity.","start":1431.2949,"end":1434.255,"sentiment":"neutral","sentiment_score":0.21571293153933116},{"text":"I'll go back and do all the research with my team.","start":1434.255,"end":1436.495,"sentiment":"neutral","sentiment_score":0.1880866912278262},{"text":"We'll come up with the advice document for you.","start":1436.495,"end":1438.4149,"sentiment":"neutral","sentiment_score":0.1619331431057718},{"text":"We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile.","start":1438.4149,"end":1445.2201,"sentiment":"neutral","sentiment_score":0.05586700657890602}],"sentiment":"neutral","sentiment_score":0.12541705089202826,"channel":0,"num_words":69,"start":1428.495,"end":1445.2201},{"sentences":[{"text":"I can factor in salary sacrificing for you, and then I'll come back with the advice document.","start":1445.28,"end":1450.18,"sentiment":"neutral","sentiment_score":0.0690090838162338},{"text":"When you and I go through it together, I'll show you it so you can see it page by page, and then you get","start":1450.4801,"end":1455.7949,"sentiment":"neutral","sentiment_score":0.11720390788589914}],"sentiment":"neutral","sentiment_score":0.09722068814969645,"channel":0,"num_words":41,"start":1445.28,"end":1455.7949},{"sentences":[{"text":"Mhmm.","start":1455.585,"end":1456.085,"sentiment":"neutral","sentiment_score":0.009836046025156977}],"sentiment":"neutral","sentiment_score":0.009836046025156977,"channel":1,"num_words":1,"start":1455.585,"end":1456.085},{"sentences":[{"text":"to take it away and read it.","start":1455.7949,"end":1456.995,"sentiment":"neutral","sentiment_score":-0.0019981988838740756},{"text":"That way, you've got some time to take it in.","start":1456.995,"end":1459.235,"sentiment":"neutral","sentiment_score":0.09608946926891804},{"text":"Is that okay?","start":1459.235,"end":1460.135,"sentiment":"neutral","sentiment_score":0.10114499926567078}],"sentiment":"neutral","sentiment_score":0.06251711491495371,"channel":0,"num_words":20,"start":1455.7949,"end":1460.135},{"sentences":[{"text":"Okay.","start":1459.745,"end":1460.245,"sentiment":"neutral","sentiment_score":0.08970511704683304},{"text":"Yes.","start":1460.5449,"end":1460.945,"sentiment":"neutral","sentiment_score":0.13359804451465607}],"sentiment":"neutral","sentiment_score":0.11165158078074455,"channel":1,"num_words":2,"start":1459.745,"end":1460.945},{"sentences":[{"text":"Yeah?","start":1460.755,"end":1461.255,"sentiment":"neutral","sentiment_score":0.17840367555618286}],"sentiment":"neutral","sentiment_score":0.17840367555618286,"channel":0,"num_words":1,"start":1460.755,"end":1461.255},{"sentences":[{"text":"That's beautiful.","start":1460.945,"end":1461.6849,"sentiment":"positive","sentiment_score":0.6689201593399048},{"text":"Yeah.","start":1461.9049,"end":1462.4049,"sentiment":"neutral","sentiment_score":0.24428655207157135}],"sentiment":"positive","sentiment_score":0.5273756235837936,"channel":1,"num_words":3,"start":1460.945,"end":1462.4049},{"sentences":[{"text":"No worries.","start":1463.075,"end":1463.895,"sentiment":"neutral","sentiment_score":0.15628169476985931},{"text":"Look.","start":1464.2,"end":1464.36,"sentiment":"neutral","sentiment_score":0.11213065683841704},{"text":"I know I've asked you everything under the sun there.","start":1464.36,"end":1467.18,"sentiment":"neutral","sentiment_score":0.08115104883909226},{"text":"Did you have any other questions for me?","start":1467.24,"end":1469.16,"sentiment":"neutral","sentiment_score":0.05157943395897746},{"text":"Did you want me to break down any of that for you?","start":1469.16,"end":1471.48,"sentiment":"neutral","sentiment_score":0.053585827350616455}],"sentiment":"neutral","sentiment_score":0.06945060408025076,"channel":0,"num_words":33,"start":1463.075,"end":1471.48},{"sentences":[{"text":"Did you have any other questions about your super or anything?","start":1471.48,"end":1475.26,"sentiment":"neutral","sentiment_score":0.022162503816864708}],"sentiment":"neutral","sentiment_score":0.022162503816864708,"channel":0,"num_words":11,"start":1471.48,"end":1475.26},{"sentences":[{"text":"No.","start":1476.72,"end":1476.88,"sentiment":"neutral","sentiment_score":-0.018130673095583916},{"text":"I think we might have covered everything.","start":1476.88,"end":1478.4199,"sentiment":"neutral","sentiment_score":-0.023074399679899216}],"sentiment":"neutral","sentiment_score":-0.022456433856859803,"channel":1,"num_words":8,"start":1476.72,"end":1478.4199},{"sentences":[{"text":"Yeah.","start":1478.8151,"end":1479.3151,"sentiment":"neutral","sentiment_score":0.06562259793281555},{"text":"No.","start":1479.375,"end":1479.695,"sentiment":"neutral","sentiment_score":0.08723486959934235},{"text":"That's okay.","start":1479.695,"end":1480.415,"sentiment":"neutral","sentiment_score":0.14347241818904877},{"text":"Not a problem at all.","start":1480.415,"end":1481.295,"sentiment":"neutral","sentiment_score":0.24427659511566163},{"text":"Well, what I'll do is I'll go back and do the research there for you.","start":1481.295,"end":1483.695,"sentiment":"neutral","sentiment_score":0.22172373831272124}],"sentiment":"neutral","sentiment_score":0.20779338975747427,"channel":0,"num_words":24,"start":1478.8151,"end":1483.695},{"sentences":[{"text":"As I mentioned, it takes a couple of weeks to put those together for you.","start":1483.695,"end":1486.915,"sentiment":"neutral","sentiment_score":0.16443080256382625},{"text":"I'll come back with the advice document.","start":1487.055,"end":1488.735,"sentiment":"neutral","sentiment_score":0.18432346412113734},{"text":"We'll go through it together, and then you'll be able to ask any questions you have.","start":1488.735,"end":1491.6799,"sentiment":"neutral","sentiment_score":0.22181577887386084},{"text":"You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board.","start":1491.6799,"end":1498.74,"sentiment":"neutral","sentiment_score":0.17428260296583176},{"text":"Okay?","start":1498.7999,"end":1499.2999,"sentiment":"neutral","sentiment_score":0.15136826038360596}],"sentiment":"neutral","sentiment_score":0.1847607854103285,"channel":0,"num_words":63,"start":1483.695,"end":1499.2999},{"sentences":[{"text":"Okay.","start":1499.87,"end":1500.35,"sentiment":"neutral","sentiment_score":0.25807660818099976},{"text":"Beautiful.","start":1500.35,"end":1500.85,"sentiment":"positive","sentiment_score":0.6595990657806396},{"text":"Thank you.","start":1501.07,"end":1501.81,"sentiment":"positive","sentiment_score":0.4433015063405037}],"sentiment":"positive","sentiment_score":0.4510696716606617,"channel":1,"num_words":4,"start":1499.87,"end":1501.81},{"sentences":[{"text":"I think not a problem at all.","start":1502.0,"end":1503.94,"sentiment":"positive","sentiment_score":0.37293422647884916},{"text":"If you have any questions in the meantime, I will get that email out to you very shortly.","start":1504.1849,"end":1508.0249,"sentiment":"neutral","sentiment_score":0.19561343433128464},{"text":"So if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat.","start":1508.0249,"end":1515.485,"sentiment":"neutral","sentiment_score":0.21341939321879683}],"sentiment":"neutral","sentiment_score":0.2281619223455588,"channel":0,"num_words":54,"start":1502.0,"end":1515.485},{"sentences":[{"text":"Okay.","start":1515.805,"end":1516.305,"sentiment":"positive","sentiment_score":0.33402469754219055},{"text":"Sounds great.","start":1516.525,"end":1517.19,"sentiment":"positive","sentiment_score":0.6340229511260986}],"sentiment":"positive","sentiment_score":0.5340235332647959,"channel":1,"num_words":3,"start":1515.805,"end":1517.19},{"sentences":[{"text":"Not a problem at all.","start":1518.44,"end":1519.72,"sentiment":"positive","sentiment_score":0.3375190258026123},{"text":"Are you on your way home now?","start":1519.72,"end":1521.08,"sentiment":"neutral","sentiment_score":0.1254304934825216},{"text":"You hopefully go home, put your feet up for a little bit.","start":1521.08,"end":1523.5,"sentiment":"neutral","sentiment_score":0.19257717579603195}],"sentiment":"neutral","sentiment_score":0.20318894553929567,"channel":0,"num_words":24,"start":1518.44,"end":1523.5},{"sentences":[{"text":"Yeah.","start":1523.59,"end":1523.9099,"sentiment":"neutral","sentiment_score":0.11971201002597807},{"text":"It's nearly there.","start":1523.9099,"end":1524.7899,"sentiment":"neutral","sentiment_score":0.12294344852368037},{"text":"Yep.","start":1524.7899,"end":1525.2899,"sentiment":"neutral","sentiment_score":0.14988240599632263},{"text":"Yep.","start":1525.59,"end":1526.09,"sentiment":"neutral","sentiment_score":0.22547316551208496}],"sentiment":"neutral","sentiment_score":0.14398298785090446,"channel":1,"num_words":6,"start":1523.59,"end":1526.09},{"sentences":[{"text":"Perfect.","start":1526.12,"end":1526.62,"sentiment":"positive","sentiment_score":0.5797410011291504},{"text":"Perfect.","start":1526.76,"end":1527.08,"sentiment":"positive","sentiment_score":0.6080834865570068},{"text":"Well, thank you so much for your time.","start":1527.08,"end":1528.76,"sentiment":"positive","sentiment_score":0.732554666697979},{"text":"I really appreciate you going through with me.","start":1528.76,"end":1530.895,"sentiment":"positive","sentiment_score":0.7441326677799225},{"text":"I'll get working on this for you, and, yeah, I'll get this email out to you this afternoon so you've got something to have a bit of a think about.","start":1530.895,"end":1537.287,"sentiment":"positive","sentiment_score":0.46753350098927815}],"sentiment":"positive","sentiment_score":0.5630693373580774,"channel":0,"num_words":48,"start":1526.12,"end":1537.287},{"sentences":[{"text":"Thank you.","start":1538.1649,"end":1538.8049,"sentiment":"positive","sentiment_score":0.5678511559963226},{"text":"Thanks.","start":1538.8049,"end":1539.2369,"sentiment":"positive","sentiment_score":0.6120613217353821}],"sentiment":"positive","sentiment_score":0.5825878779093424,"channel":1,"num_words":3,"start":1538.1649,"end":1539.2369},{"sentences":[{"text":"My pleasure, Pathelia.","start":1539.847,"end":1540.907,"sentiment":"positive","sentiment_score":0.6080564061800638},{"text":"Have a great afternoon.","start":1541.047,"end":1542.1069,"sentiment":"positive","sentiment_score":0.69983871281147}],"sentiment":"positive","sentiment_score":0.6605034385408673,"channel":0,"num_words":7,"start":1539.847,"end":1542.1069},{"sentences":[{"text":"You too.","start":1542.6769,"end":1543.497,"sentiment":"positive","sentiment_score":0.38253054022789}],"sentiment":"positive","sentiment_score":0.38253054022789,"channel":1,"num_words":2,"start":1542.6769,"end":1543.497},{"sentences":[{"text":"Thanks.","start":1543.927,"end":1544.407,"sentiment":"positive","sentiment_score":0.48408010601997375},{"text":"See you later.","start":1544.407,"end":1545.207,"sentiment":"positive","sentiment_score":0.3340512216091156}],"sentiment":"positive","sentiment_score":0.37155844271183014,"channel":0,"num_words":4,"start":1543.927,"end":1545.207},{"sentences":[{"text":"Okay.","start":1545.0769,"end":1545.5769,"sentiment":"neutral","sentiment_score":0.17675873637199402}],"sentiment":"neutral","sentiment_score":0.17675873637199402,"channel":1,"num_words":1,"start":1545.0769,"end":1545.5769},{"sentences":[{"text":"Bye.","start":1545.207,"end":1545.707,"sentiment":"neutral","sentiment_score":0.14358870685100555}],"sentiment":"neutral","sentiment_score":0.14358870685100555,"channel":0,"num_words":1,"start":1545.207,"end":1545.707},{"sentences":[{"text":"Bye.","start":1545.7169,"end":1546.2169,"sentiment":"neutral","sentiment_score":0.08725601434707642}],"sentiment":"neutral","sentiment_score":0.08725601434707642,"channel":1,"num_words":1,"start":1545.7169,"end":1546.2169}]},"summary":{"result":"success","short":"Representatives from Okie Financial called Beth to discuss her annual review and potential investment options. Beth wants to use $30,000 for a new car purchase and is considering a loan to cover the cost of the loan. The speaker suggests reducing risk for a downturn and reviewing Beth's investment strategy. They also discuss the retirement strategy and retirement goals, and recommend a growth investor profile to help Beth understand risks and risks of investing in a certain asset. The conversation ends with a promise to follow up with Beth."},"intents":{"segments":[{"text":"And to see the security, we are discussing your personal information there. So just need to confirm your full name, your date of birth, and address I should have on file. File.","start_word":168,"end_word":199,"intents":[{"intent":"Discuss personal information","confidence_score":0.039763834}]},{"text":"Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna Yep. be taken out of sort of grow it. Yeah.","start_word":294,"end_word":332,"intents":[{"intent":"Discuss investment options","confidence_score":0.16948551}]},{"text":"Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna Yep. be taken out of sort of grow it. Yeah. Yeah. Perfect.","start_word":294,"end_word":334,"intents":[{"intent":"Discuss financial goals","confidence_score":0.0122985095}]},{"text":"Is there anything else that you that was coming to your mind as to what you would like to use the funds for?","start_word":498,"end_word":520,"intents":[{"intent":"Research funds","confidence_score":0.00024193936}]},{"text":"So one of the things when we are looking to provide additional advice on what to do with the funds is looking at what your goal is with that money.","start_word":765,"end_word":794,"intents":[{"intent":"Provide advice and guidance on funds","confidence_score":0.00087071076}]},{"text":"Do we wanna look at getting a loan for the whole amount that we need to purchase the vehicle for knowing that interest rates can be quite high?","start_word":820,"end_word":847,"intents":[{"intent":"Consider borrowing options","confidence_score":0.002354726}]},{"text":"The other aspect is, are you wanting to utilize that money for something in the next three to five years?","start_word":934,"end_word":953,"intents":[{"intent":"Consider using money for future purchases","confidence_score":0.01152751},{"intent":"Discuss future use of funds","confidence_score":0.004902105},{"intent":"Determine how to use funds","confidence_score":0.000011029544},{"intent":"Assess potential asset use","confidence_score":0.000086268665}]},{"text":"If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses.","start_word":954,"end_word":1017,"intents":[{"intent":"Discuss potential investment risk","confidence_score":0.0015123469},{"intent":"Evaluate potential market downturn","confidence_score":0.0023824396}]},{"text":"So with your super at the moment, you're probably taking a little bit more risk in your portfolio. So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments.","start_word":1026,"end_word":1062,"intents":[{"intent":"Discuss portfolio choices","confidence_score":0.00004045221}]},{"text":"If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation. Would that help you a little bit, Facilia? Yeah.","start_word":1243,"end_word":1290,"intents":[{"intent":"Consider options","confidence_score":0.00009253721}]},{"text":"Not a problem at all. We can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds. Would you like that as well?","start_word":1740,"end_word":1786,"intents":[{"intent":"Discuss funds","confidence_score":0.043603547}]},{"text":"I joined up with you guys, I didn't have much in my coupon. And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine. Sorry, but I think the phone just cut out. Can you hear me okay still? Hello? With with my choices of what to invest it in? Yeah.","start_word":2013,"end_word":2080,"intents":[{"intent":"Discuss investments and budget","confidence_score":0.008083896}]},{"text":"Well, I can go back and review all the different options for super funds out there.","start_word":2521,"end_word":2536,"intents":[{"intent":"Review options","confidence_score":0.34721884}]},{"text":"Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000.","start_word":2576,"end_word":2600,"intents":[{"intent":"Send plan","confidence_score":0.004559821}]},{"text":"One of the things I would like to do with you is just to sort of reevaluate your risk profile as well, just do a really quick questionnaire just to sort of gauge whether the growth portfolio is still the right one for you. This is only a couple of questions, generally about sort of five multiple choice questions. If you find you can't hear me or I do break up, please let me know. Okay? Yes.","start_word":2723,"end_word":2799,"intents":[{"intent":"Evaluate risk","confidence_score":0.043055102}]},{"text":"The first one here is asking, have you ever invested in direct shares or managed funds in your own name before? Alright.","start_word":2802,"end_word":2823,"intents":[{"intent":"Inquire about previous investments","confidence_score":0.00086837646}]},{"text":"The next one here is asking about the time horizon you have between now to when you're wanting to access your super. So having a bit of a look at the goals you had, it made mention when you did your anniversary, you were hoping to sort of access sleep and maybe retire around age 70. Is that right, or did you wanna reduce that age a little bit?","start_word":2829,"end_word":2897,"intents":[{"intent":"Confirm age","confidence_score":0.025865318}]},{"text":"With that question, you can go in between those two answers if you wanted to. gonna Yep.","start_word":3027,"end_word":3043,"intents":[{"intent":"Determine mutual preferences","confidence_score":0.0000048207103}]},{"text":"We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet.","start_word":3262,"end_word":3324,"intents":[{"intent":"Start small budget","confidence_score":0.26309776}]},{"text":"We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet. Yep.","start_word":3262,"end_word":3325,"intents":[{"intent":"Take steps","confidence_score":0.0009922071}]},{"text":"I can add that into the advice document and show you what that looks like. Again, the advice is completely up to you. You get to decide whether you take all the recommendations, some of them or none of them at all, but it just sort of show you what, you know, what it can do, how it can help the advantages, disadvantages, and the risks involved of taking on that sort of thing. Okay.","start_word":3398,"end_word":3472,"intents":[{"intent":"Add advice document","confidence_score":0.009882874}]},{"text":"Now the second last one here is basically asking, have you ever seen your super fall in value again? If you did, this is due to, like, external market factors. How do you think you'd be feeling? The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned?","start_word":3477,"end_word":3536,"intents":[{"intent":"Understand super value","confidence_score":0.037876263}]},{"text":"The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned? Definitely a bit of concern. Yes. Yep. Yep. That's okay. Not a problem at all. And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property? Yeah.","start_word":3514,"end_word":3583,"intents":[{"intent":"Consider investment opportunities","confidence_score":0.11246091}]},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property? Yeah.","start_word":3552,"end_word":3583,"intents":[{"intent":"Assess loan options","confidence_score":0.000023882021}]},{"text":"Well, having a look at that one that you have scored as a growth investor.","start_word":3705,"end_word":3719,"intents":[{"intent":"Analyze investment profile","confidence_score":0.009771994}]},{"text":"So when we are investing in investments in our super, we have lots of different investment options to choose from.","start_word":4008,"end_word":4027,"intents":[{"intent":"Analyze investment options","confidence_score":0.27586848}]},{"text":"But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place.","start_word":4382,"end_word":4438,"intents":[{"intent":"Discuss investment options","confidence_score":0.07569266}]},{"text":"But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all? Yeah.","start_word":4734,"end_word":4782,"intents":[{"intent":"Understand options","confidence_score":0.0029257021},{"intent":"Review the advice document","confidence_score":0.008507226}]},{"text":"We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile.","start_word":4864,"end_word":4885,"intents":[{"intent":"Discuss super funds funds","confidence_score":4.222823e-7}]},{"text":"No. I think we might have covered everything.","start_word":4998,"end_word":5005,"intents":[{"intent":"Discuss the reasons for the call","confidence_score":0.000044483033}]},{"text":"You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board. Okay? Okay.","start_word":5068,"end_word":5093,"intents":[{"intent":"Understand the decision","confidence_score":1.8772338e-8}]},{"text":"If you have any questions in the meantime, I will get that email out to you very shortly. So if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat. Okay.","start_word":5104,"end_word":5151,"intents":[{"intent":"Address questions","confidence_score":0.013596204}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Beth. It's Dana from Okie Financial. How are you today? Can you hear me okay? Yeah.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.15353043377399445},{"text":"Oh, good. It's Zaina from Financial. I had you booked in for a bit of a catch up this afternoon. Is now still a good time there for you?","start_word":18,"end_word":46,"sentiment":"positive","sentiment_score":0.3731626570224762},{"text":"Yes. Yeah. That's fine. I'm just driving home. No. That's okay. That's not a problem at all. As long as you can hear me okay, I can. It was sort of breaking in and out of it, but it's fairly constant. Now you can hear me alright? Yes. I can. Yep.","start_word":47,"end_word":97,"sentiment":"neutral","sentiment_score":0.11440533399581908},{"text":"Oh, beautiful.","start_word":98,"end_word":99,"sentiment":"positive","sentiment_score":0.3632183074951172},{"text":"How's your day been so far? I was pretty Really? Yeah. No. That's good.","start_word":100,"end_word":113,"sentiment":"neutral","sentiment_score":0.1495886892080307},{"text":"Well, it's hard to take up too much of your time.","start_word":114,"end_word":124,"sentiment":"negative","sentiment_score":-0.35253778100013733},{"text":"I know you are extremely busy there. Before I jump into the call, just to let you know we're moving forward, we do record our calls for quality and training purposes. Are Yeah. you happy for us to proceed with that? Yes. Beautiful. And to see the security, we are discussing your personal information there. So just need to confirm your full name, your date of birth, and address I should have on file. File. 02/23/1977. Six months Yep. before, Rosalind, and Cecilia Beautiful.","start_word":125,"end_word":208,"sentiment":"neutral","sentiment_score":0.03206126391887665},{"text":"Thank you so much for that.","start_word":209,"end_word":214,"sentiment":"positive","sentiment_score":0.5901350975036621},{"text":"Anne Broaddus. When I had a bit of a look back at your annual review there, you wanted to sort of have a bit of a conversation about what else we can do to sort of help you super moving forward.","start_word":215,"end_word":255,"sentiment":"neutral","sentiment_score":0.25138044357299805},{"text":"I can see here that you had quite a good return over the last twelve months there.","start_word":256,"end_word":272,"sentiment":"positive","sentiment_score":0.43048036098480225},{"text":"Is that right? Is there anything else that you sort of wanted me to touch on as part of this call? Well, we've been gifted some money, and we were just trying to work out whether to invest it or or put it into the super and and what's gonna Yep. be taken out of sort of grow it. Yeah. Yeah. Perfect. Not a problem at all. Just to start with, how much have you been gifted? It was $30,000. Okay. Perfect.","start_word":273,"end_word":354,"sentiment":"neutral","sentiment_score":0.060630377382040024},{"text":"Now the one of the good things, obviously, to start with, I can give you some general information and general advice looking at the what the options are, and then we can kinda delve a bit deeper into what your goals are. But having a look at that, I mean, putting in the super is a great option if that's what you're wanting to do, if you're wanting this money to grow and continue on.","start_word":355,"end_word":429,"sentiment":"positive","sentiment_score":0.5447855591773987},{"text":"The downside to putting it in the super is that you can't access that until you meet a condition of release or retire.","start_word":430,"end_word":452,"sentiment":"negative","sentiment_score":-0.4523676335811615},{"text":"Is there anything else that you might be thinking about utilizing the money for? I can see here with your other medium term goals that you are maybe looking at going to Japan in the next three years, possibly purchasing a property down the track. Is there anything else that you that was coming to your mind as to what you would like to use the funds for? Well, at the moment, my husband's car husband's car needs to be replaced. Okay. So, yeah, they're sort of tossing up what to do and how much we borrow and hopefully not cut any of that. But if we have to, then we have to. So Yeah. So husband's car needs to be replaced. Is there any chance that you would be wanting to utilize that 30,000 to put towards the new car yep. instead Definitely of borrowing it? The higher interest rate? definitely don't wanna use all of it. That's for Yeah. That's okay. Not a problem at all. Is there have you sort of thought about putting some into your super, some into his? Is there, you know, maybe an amount you would like to keep back for emergencies or anything sure. like that? Yeah. We've been tossing all of that up as well. So yep. Yeah.","start_word":453,"end_word":669,"sentiment":"neutral","sentiment_score":0.07545550912618637},{"text":"That's okay.","start_word":670,"end_word":671,"sentiment":"positive","sentiment_score":0.4213761389255524},{"text":"So, realistically, when we look at providing advice, we wanna find out what your goal is with this fund. So have you sort of thought about what you wanna achieve from it? Do you wanna see it growing harder, maybe working towards your retirement, or would you like to have it sitting somewhere so it's maybe kept as a buffer that you can access closer to now if you need it, like, in the shorter term if you do need it. I don't know.","start_word":672,"end_word":755,"sentiment":"neutral","sentiment_score":0.2473908343485423},{"text":"I have didn't think that was a possibility.","start_word":756,"end_word":763,"sentiment":"negative","sentiment_score":-0.3379828929901123},{"text":"Yeah. So one of the things when we are looking to provide additional advice on what to do with the funds is looking at what your goal is with that money.","start_word":764,"end_word":794,"sentiment":"neutral","sentiment_score":0.29577237367630005},{"text":"Are you wanting to and it's probably a good conversation for you to have with your partner.","start_word":795,"end_word":811,"sentiment":"positive","sentiment_score":0.5461471080780029},{"text":"Is it something that we wanna have here? Do we wanna look at getting a loan for the whole amount that we need to purchase the vehicle for knowing that interest rates can be quite high? If you're not looking at buying a new car, then when you look at lending considerations, you may be taking out an unsecured loan, which means that the interest rate can be higher. Did you wanna use some of that money as a bit of a buffer to not have to borrow as much, or is the car you're purchasing within that $30,000, and are you comfortable maybe utilizing all of that and not having a loan?","start_word":812,"end_word":924,"sentiment":"neutral","sentiment_score":0.10650000721216202},{"text":"So it's one definite one thing to certainly consider.","start_word":925,"end_word":933,"sentiment":"positive","sentiment_score":0.4103811085224152},{"text":"The other aspect is, are you wanting to utilize that money for something in the next three to five years?","start_word":934,"end_word":953,"sentiment":"neutral","sentiment_score":0.1799864023923874},{"text":"If you are, then I wouldn't be looking to invest any of those funds, mostly because when we invest money in the market, if we are wanting to access it in the shorter term, we do risk having a market downturn when we're trying to access those funds, which sent sorry, which certainly means we would be taking the money out and cementing losses. It's very different to how we see super.","start_word":954,"end_word":1025,"sentiment":"negative","sentiment_score":-0.38655951619148254},{"text":"So with your super at the moment, you're probably taking a little bit more risk in your portfolio. So you're in a growth portfolio there, which generally sees about 80% of your super invested in growth investments. That's actually not bad for where you're at at the moment because as you get closer to accessing your super, we reevaluate the risk level you're taking and the portfolio that you're in, and we start to reduce those risk levels. But, generally, when we are sort of speaking about investing money in the shorter term, any money that you are wanting to access or utilize for holidays, maybe a car purchase, or anything in the next sort of three odd years, we wouldn't wanna put into the market for the risk of a downturn. Does that make sense? It It does. Yeah. Yep. Yeah. So I think the first thing I would probably wanna find out is more what what is it that you're wanting to achieve? What are you wanting to do? I would probably suggest making a bit of a list of what it is that you wanna do over the next sort of one to three years and work out is this money gonna provide you any kinda help in that sort of in that strategy. If you like to start with, I could always send you a bit of an email this afternoon if you like, giving you maybe some pros and cons to some of the different options to kinda start the conversation. Would that help you a little bit, Facilia? Yeah. I think that would. Yeah. Yep. Yeah. And then you, Hasslyn, have a bit of a conversation, talk about what it is that you wanna achieve, what you want from this money.","start_word":1026,"end_word":1322,"sentiment":"neutral","sentiment_score":0.12321458837199292},{"text":"If you're looking to invest it and have it growing in an investment profile, absolutely fine. But I wanna also make sure that you do have some additional cash flow to keep putting in because just putting in $30,000 and sort of having it sit there over the next five to ten to twenty years whilst it's gonna provide you some income, you wanna be dollar cost averaging, you're putting more money in that to help it grow as well the same as you do for your sofa.","start_word":1323,"end_word":1410,"sentiment":"positive","sentiment_score":0.35193318128585815},{"text":"Okay. Or is it something that, you know, having and utilizing for the car and not having a loan and saving that amount of interest, is that gonna be better for you? So I can send you some different options on what the things we've talked about and maybe some pros and cons to kinda get the conversation started. And then you can let me know, like, if you want to have a specific goal in mind or if you have something specific you're looking for, and we can kinda go from there. Does that help you a little bit? Yeah.","start_word":1411,"end_word":1511,"sentiment":"neutral","sentiment_score":0.17151261851339056},{"text":"That would be great, actually. Yeah. Yeah. All good. Sounds like you've got this great little bit of money there, which is fantastic, but, you know, what to do with it, all the different things that you could be doing with it and all the things you probably want to do with it, but what's the right option that can be had?","start_word":1512,"end_word":1573,"sentiment":"positive","sentiment_score":0.4788311719894409},{"text":"Yeah. Exactly right. Yes. Yeah. No.","start_word":1574,"end_word":1579,"sentiment":"neutral","sentiment_score":0.21757559478282928},{"text":"That's perfect.","start_word":1580,"end_word":1581,"sentiment":"positive","sentiment_score":0.33399030566215515},{"text":"How you're right. Sorry? Sorry. The phone just cut out. What was that? I'm so sorry. I said it's always easy to spend the money, Yes. but definitely not easy to make that sort of money. Yeah. No. Absolutely understand. Not a problem at all. Well, if you like, what I can do is I can start just by giving you a bit of an email there with the options that we've kinda gone through. Obviously, the the size of purchasing a vehicle versus investing the pros and cons, You can have a bit of a chat to your partner, talk about what your options are, talk about what your goals are, what you wanna achieve from this, and then you can always come back to me. You'll have my email address there as well so we can always go through and have a chat about what the Yes.","start_word":1582,"end_word":1730,"sentiment":"neutral","sentiment_score":0.08194371312856674},{"text":"That would be great.","start_word":1731,"end_word":1734,"sentiment":"positive","sentiment_score":0.49995604157447815},{"text":"options are. Okay? Yeah. No. Not a problem at all. We can do a bit more of a catch up in a couple of weeks as well if you do wanna talk about, you know, a bit more deep about what to do with those funds. Would you like that as well? I couldn't it wouldn't hurt to to prompt me for sure. Because, Yeah. yeah, I'm always so busy that sometimes I and, you know, expect to be able to do everything and be on top of Yeah. it all, but so it's definitely, like, popped up. So I checked it. Yeah. Yeah. No.","start_word":1735,"end_word":1839,"sentiment":"neutral","sentiment_score":0.0905899235180446},{"text":"Absolutely. That's not a problem at all.","start_word":1840,"end_word":1846,"sentiment":"positive","sentiment_score":0.410807728767395},{"text":"Well, I'll start by sending the email. I'll do a bit of a follow-up with you in a couple of weeks. I'll just send you an email and get the team to give you a call and see, you know, if you wanted to pop back in for another conversation, and we can always follow-up and see where you're going with things. But we'll start by just sending the information out to you, giving you a bit of an update on what your pros and cons are, what some of the options might be, and then you can kinda go from there. Have a bit of a conversation to begin with and work out what it is you're actually hoping to achieve or wanting to do with it.","start_word":1847,"end_word":1974,"sentiment":"neutral","sentiment_score":0.20114028453826904},{"text":"Yes. Beautiful. Yeah. Perfect. All good.","start_word":1975,"end_word":1980,"sentiment":"positive","sentiment_score":0.5770100951194763},{"text":"Is there anything else that you kinda wanted me to touch base on while you have me here? I just obviously making sure that the Subaru is growing. Because when I Yeah. I joined up with you guys, I didn't have much in my coupon. And the sort of estimate that I was given was I invested in the the Subaru, and I did the portfolio the way I have the it's fine. Sorry, but I think the phone just cut out. Can you hear me okay still? Hello? With with my choices of what to invest it in? Yeah. Absolutely. Well, I can definitely look at reviewing that for you at the moment. So having a look, now I did have a look back at your annual review in 2024 when you completed with the team. Your balance then was a $123,007.75 and 44<unk> there. When you touched base and had your annual review late last year sorry. I'm just pulling those documents back up for you. The balance then well, the balance as of now, let's go straight to the balance now, is a $151,004.83 and 17<unk>.","start_word":1981,"end_word":2172,"sentiment":"neutral","sentiment_score":0.040671516209840775},{"text":"So you have had a bit of a growth in there, which is fantastic to see.","start_word":2170,"end_word":2185,"sentiment":"positive","sentiment_score":0.6629523634910583},{"text":"Having a look at the way you are invested, now as I kinda went through before, you are in a growth portfolio. So you do see about 80% of your funds investing growth investments, the things like international shares, listed shares, commodities, and also listed property. And then the other 20% in defenses, so low risk investments like cash, bonds, and fixed interest.","start_word":2186,"end_word":2248,"sentiment":"neutral","sentiment_score":0.14752161502838135},{"text":"Having a look at the portfolio as a whole and all your individual investments, they have performed really quite well.","start_word":2249,"end_word":2268,"sentiment":"positive","sentiment_score":0.3474859297275543},{"text":"I have just noticed here, having a look, one of your investments is down a little bit. So Bannalong Australian Equities, that's giving you your Australian Equities portion, and Bannalong is meant to be more of an actively managed part of your investment.","start_word":2269,"end_word":2311,"sentiment":"neutral","sentiment_score":-0.09634820371866226},{"text":"That is down quite significantly from sort of late November, early December.","start_word":2312,"end_word":2323,"sentiment":"negative","sentiment_score":-0.3633238077163696},{"text":"That's because of one their underlying investors had a bit of an issue.","start_word":2324,"end_word":2336,"sentiment":"neutral","sentiment_score":-0.27031537890434265},{"text":"They a corporate traveler, if you haven't heard in the news, actually went back and was been a bit dishonest to the market and to their investors that came out, and it meant that Fenelon had to reevaluate that portion of their investments.","start_word":2337,"end_word":2379,"sentiment":"negative","sentiment_score":-0.34755200147628784},{"text":"So we've just been going back over the last couple of weeks and reevaluating this portion of everyone's portfolios, and we do wanna kind of move you out of that. So if you like, what I could do is I can have a look at, obviously, the Superfund you're in. I can look at other options for Superfund to see if there's something cheaper out there than Netwealth, but also look at the different portfolio structures and see if there's something that has been providing better performance, might be lower cost in fees. Are you open to me reevaluating all of that for you? Yes. Yep. And the phone yeah. Because Yeah. we did signal speed this year. We're a little bit high. Yeah. And that's sort of each away on what you're trying to to grow. Yeah. That's okay. Well, I can go back and review all the different options for super funds out there. You'd be comfortable if we recommended a different super fund as a whole and moved everything out of Netwealth for you. That wouldn't be a problem. No. I'd I'd be open for the suggestion. Yeah. Yep. Yep.","start_word":2380,"end_word":2572,"sentiment":"neutral","sentiment_score":0.0127168496964509},{"text":"Yeah. Absolutely. Perfect.","start_word":2573,"end_word":2575,"sentiment":"positive","sentiment_score":0.5928313136100769},{"text":"Well, what I'll do is I'll start by sending the email there with the general information around those things that we've discussed for that 30,000. In the meantime, I'll also go back and do a little bit of research. It is quite a significant amount of research to do to look at all the different funds out there, all the different investment options, sorry, that we have as well. So it does take a couple of weeks to put that together for you. Okay. But once I have the plan ready, we can come back and have a look at that together. I'll go through the recommendations there with you. You'll get to see everything, see the advantages, disadvantages, and the risks involved, and then you get to decide whether you take on all, some, or none of the recommendations. How does that sound?","start_word":2576,"end_word":2719,"sentiment":"neutral","sentiment_score":0.15523084998130798},{"text":"Perfect. Oh, good.","start_word":2720,"end_word":2722,"sentiment":"positive","sentiment_score":0.371293306350708},{"text":"One of the things I would like to do with you is just to sort of reevaluate your risk profile as well, just do a really quick questionnaire just to sort of gauge whether the growth portfolio is still the right one for you. This is only a couple of questions, generally about sort of five multiple choice questions. If you find you can't hear me or I do break up, please let me know. Okay? Yes. Oh, good. The first one here is asking, have you ever invested in direct shares or managed funds in your own name before? Alright. No. That's okay. All good. The next one here is asking about the time horizon you have between now to when you're wanting to access your super. So having a bit of a look at the goals you had, it made mention when you did your anniversary, you were hoping to sort of access sleep and maybe retire around age 70. Is that right, or did you wanna reduce that age a little bit?","start_word":2723,"end_word":2897,"sentiment":"neutral","sentiment_score":0.09137561917304993},{"text":"Everyone put away love too.","start_word":2898,"end_word":2902,"sentiment":"negative","sentiment_score":-0.40112465620040894},{"text":"But yeah.","start_word":2903,"end_word":2904,"sentiment":"neutral","sentiment_score":-0.27190226316452026},{"text":"No. I can't see that happening, to No.","start_word":2905,"end_word":2912,"sentiment":"negative","sentiment_score":-0.36380231380462646},{"text":"That's okay. So be we're honest. working on 70 for the moment. Yeah.","start_word":2913,"end_word":2925,"sentiment":"neutral","sentiment_score":0.0005759816849604249},{"text":"Perfect.","start_word":2926,"end_word":2926,"sentiment":"positive","sentiment_score":0.5614597797393799},{"text":"The next one here is asking about how much risk you're comfortable taking in order to get greater returns. So would you consider yourself happy to take on a higher level of risk to obtain greater potential returns? Would you see yourself taking on a moderate or medium amount of risk to get the best returns you can, or do you feel comfortable not taking much risk to get lower returns? Yeah. Probably the moderate one, I think. The medium? Yep. Perfect. Yeah. Because medium to high, sort of a little bit open to high, but Yep. I'm That's okay. With that question, you can go in between those two answers if you wanted to. gonna Yep. Yeah.","start_word":2927,"end_word":3044,"sentiment":"neutral","sentiment_score":0.07488355040550232},{"text":"Perfect.","start_word":3045,"end_word":3045,"sentiment":"positive","sentiment_score":0.3844566941261291},{"text":"The next one here is asking if you looked at your super in the next six months and say you saw it fall by 20% due to what was happening globally, do you feel like you'd be wanting to put more money into the market? You feel like there's buying opportunity there? Are you more likely to hold and wait and maybe call us, or are you feeling a bit concerned and wanting to move to something more secure? Yeah. I've always looked at possibly putting extra into the super, but big family, not achievable. Yeah. No. That's okay. That's alright. How does your is your expenditure at the moment? Are you guys managing to put much away? I know having a look here, you've got a couple you've got some kids at home there as well. But do you find you have much in the way of expendable income or savings at the end of the week? Yeah. Week probably I think where I've got extra curriculum, full fees, sort of thing that's gonna come out. Yeah. So it's it's sort of going up and down in ways. Yep. Yep. That's okay. Did you want me to maybe look at making a recommendation to start maybe salary sacrificing and putting a smaller amount in? We can start with something smaller if you're comfortable just to sort of see how that looks for you, a, with helping your super and what it can do, but, b, to kinda get you comfortable with the changes, you know, in your take home pay and things, or you'd sort of not really comfortable doing that on a regular basis just yet. Yep. Yeah.","start_word":3046,"end_word":3325,"sentiment":"neutral","sentiment_score":-0.004074032085814646},{"text":"Absolutely. Do you feel comfortable starting off with maybe $50 on a weekly or fortnightly basis just to sort of see what it looks like and how it can help, and we could always look to increase it down the track?","start_word":3326,"end_word":3366,"sentiment":"positive","sentiment_score":0.33770832419395447},{"text":"Or did you wanna start with something a bit more? Perfect. Sorry. Was that 50 per week or per fortnight? I do apologize. Probably fifth or ninth. Per fortnight? Yeah. Absolutely. I can add that into the advice document and show you what that looks like. Again, the advice is completely up to you. You get to decide whether you take all the recommendations, some of them or none of them at all, but it just sort of show you what, you know, what it can do, how it can help the advantages, disadvantages, and the risks involved of taking on that sort of thing. Okay. Yeah.","start_word":3367,"end_word":3473,"sentiment":"neutral","sentiment_score":0.1444150060415268},{"text":"Perfect. All good.","start_word":3474,"end_word":3476,"sentiment":"positive","sentiment_score":0.4032650589942932},{"text":"Now the second last one here is basically asking, have you ever seen your super fall in value again? If you did, this is due to, like, external market factors. How do you think you'd be feeling? The drops in your super balance make you feel optimistic about the investment opportunities happening, cautious about your super or a bit concerned? Definitely a bit of concern. Yes. Yep. Yep. That's okay. Not a problem at all. And the last one here is have you ever thought about taking out a loan in order to invest in shares, or would you only ever wanna borrow for, say, property? Yeah. No. I only borrow from property. Yep. That's okay. Not a problem at all.","start_word":3477,"end_word":3597,"sentiment":"neutral","sentiment_score":-0.03961138799786568},{"text":"Perfect.","start_word":3598,"end_word":3598,"sentiment":"positive","sentiment_score":0.45290082693099976},{"text":"And I can see here one of your goals is down the track to purchase a home well. Yeah. Yeah. No. Yeah. We would we would like to, but, yeah, not quite at the moment, unfortunately. No.","start_word":3599,"end_word":3635,"sentiment":"neutral","sentiment_score":0.08206116408109665},{"text":"That's okay.","start_word":3636,"end_word":3637,"sentiment":"positive","sentiment_score":0.33398520946502686},{"text":"Is it something you, you know, you would like to do over the next sort of four to five or ten years, or you're not really sure what kind of time frame you'd like to do that in? I'm not sure what time frame, really. Yeah. No. That's okay. That's not a problem at all.","start_word":3638,"end_word":3692,"sentiment":"neutral","sentiment_score":0.04987001791596413},{"text":"Perfect. I'll pop some details in the email there for you. Excellent.","start_word":3693,"end_word":3704,"sentiment":"positive","sentiment_score":0.4996168911457062},{"text":"Well, having a look at that one that you have scored as a growth investor. So as I mentioned before, that is the profile that we have you in at the moment. A growth investor typically suits someone who has at least six years before they're wanting to access their super, so it fits in with yourself. You're only having a look at your ATM. So sorry. You're 49 coming up in a week and a bit time, so you've got a a lot of time ahead of you before you're able to access super. So that profile does certainly still help you out there. Realistically, the growth portfolio, we would expect negative returns sort of one in every five, and we do understand that with markets going up and down, the more risk we take, we do expect negative returns every couple of years. But the average returns we'd sorta hope to achieve from this sort of a portfolio would be between sort of seven to 9%. Does that profile still fit with what you're after? You're still comfortable with that sort of asset location and the growth profile? Yeah. I think so. Yeah. Yeah. Perfect. Not a problem. Well, I can have a look at that for you just to kinda recap. I'll review the super fund that you're in as well as the other options out there. Have a look at all the different options for for investment profiles. And then I can also look at recommending that $50 on a fortnightly basis to sort of show you what that salary sacrifice can do to start with, and then we can kinda go from there. The only other thing that's really important to sort of touch base on is the type of investing profile that you're after as well. So when we are investing in investments in our super, we have lots of different investment options to choose from. And the point of having some of that ban along in your investment profile or in your investments back when you came on board was to have a little bit of active management in there.","start_word":3705,"end_word":4061,"sentiment":"neutral","sentiment_score":0.08189915965835587},{"text":"Now one of the benefits of having these sort of active managers in your profile or in your investments is that they are trying to buy and sell so that they can try and outperform against the market or the benchmark that they're trying to follow along with.","start_word":4062,"end_word":4109,"sentiment":"positive","sentiment_score":0.3419169783592224},{"text":"However, over the longer term, there's no guarantees they're going to, and quite often active managers don't outperform the market. We can look at other styles like passive investing, which can be often a little bit cheaper. You don't have those active managers there. They're not trying to outperform the market. You're just tracking the market. And quite often, just being in participating in the market and tracking a certain benchmark, you can actually do much better, than those active managers are trying to do. Did you want me to look at something more lower cost like that, so that a passive managements management style for your investment? Yeah. I think if it's lower Mhmm. yeah. Like, lower Yeah. cost to us. Yep. Sure.","start_word":4110,"end_word":4233,"sentiment":"neutral","sentiment_score":0.15179911255836487},{"text":"Perfect.","start_word":4234,"end_word":4234,"sentiment":"positive","sentiment_score":0.45848995447158813},{"text":"And have you do you log in to your Netwealth, sorry, option? Do you have a look at the investments and where the money is sort of invested? No. Not very often at all, really. No. That's okay. Because there is one other option I sort of wanted to bring out. So over the course of the last twelve months, our investment committee have teamed up with BlackRock, which is one of Australia's largest investment firms. Essentially, they've built what's called a an SMA or a separately managed account. One of the benefits of these separately managed accounts is while you lose a little bit of visibility, essentially, once you log in to your super fund, all you see is how much you've got there and the estimate. We can give you trade reports and give you a bit more detail of on the the underlying. But having this sort of separately managed account essentially gives a few The Us a bit more control out of removing different investments to say if something if you were in the estimate and something happened again, like what's happened with Bannalong, we would be able to remove that investment quickly and put something else its place. Or if the market was may making a bit of a turn or COVID was coming or we sort of saw something that needed to change, we would be able to make these changes to your profile very quickly without having to call and update advice documents. The reason we haven't been able to with Bannalung at the moment is that because when you came on board, you were provided the advice document with these rest with these investments recommended, we've had to keep you in line with that risk profile and with those investments that were recommended to you. And in order to update any of those, we currently have to provide a new advice document to you and go through all the the conversation that we're having today. If we did look at this, SMA, the separately managed account, as I mentioned, you lose a little bit of visibility on the investments that you're in.","start_word":4235,"end_word":4594,"sentiment":"neutral","sentiment_score":0.07941714003682136},{"text":"However, we can provide regular change reports, and it does give a few a lot more control around changing the underlying investments for you. It can be a bit more low cost as well.","start_word":4595,"end_word":4628,"sentiment":"positive","sentiment_score":0.3889862895011902},{"text":"Did you want me to have a look at something like the SMA? Or Maybe. But then it might be a bit overwhelming with all of the advice that you're gonna be giving me by the standard. no. Well, essentially, it's just the investment. So if I have a look at the the SMA for you, it's just changing the investments within that within your super. Okay. Yep. Yep. Yeah. Are you comfortable with me having a look at it? I know there's kind of a lot that we sort of touched on today, and it it sounds like it's gonna be a lot. But did you want me to look at all of those options, do all that research for you, and then come back with the advice document, show you what it looks like, what it is, and we can go through it together so you can see it all? Yeah. That wouldn't hurt. Yes. Yeah?","start_word":4629,"end_word":4786,"sentiment":"neutral","sentiment_score":0.019735408923293972},{"text":"Oh, good.","start_word":4787,"end_word":4788,"sentiment":"positive","sentiment_score":0.4559943675994873},{"text":"No worries. I know sometimes I'm going through a lot, and I'm asking you a lot questions and try to explain yeah. Go through it all with you. There is a lot to consider, and it does seem like a lot. But if you want, you can utilize me to the best of your capacity. I'll go back and do all the research with my team. We'll come up with the advice document for you. We'll at the super funds, the investments, whether we utilize this separately managed account or whether we have a different investment profile. I can factor in salary sacrificing for you, and then I'll come back with the advice document. When you and I go through it together, I'll show you it so you can see it page by page, and then you get Mhmm. to take it away and read it. That way, you've got some time to take it in. Is that okay? Okay. Yes. Yeah?","start_word":4789,"end_word":4950,"sentiment":"neutral","sentiment_score":0.10402516275644302},{"text":"That's beautiful.","start_word":4951,"end_word":4952,"sentiment":"positive","sentiment_score":0.6653850078582764},{"text":"Yeah. No worries. Look. I know I've asked you everything under the sun there. Did you have any other questions for me? Did you want me to break down any of that for you? Did you have any other questions about your super or anything? No. I think we might have covered everything. Yeah. No. That's okay. Not a problem at all. Well, what I'll do is I'll go back and do the research there for you. As I mentioned, it takes a couple of weeks to put those together for you. I'll come back with the advice document. We'll go through it together, and then you'll be able to ask any questions you have. You'll be able to read it through, take in the advantages, disadvantages, the risks involved, and then decide what you're comfortable taking on board. Okay? Okay.","start_word":4953,"end_word":5093,"sentiment":"neutral","sentiment_score":0.14504311978816986},{"text":"Beautiful. Thank you. I think not a problem at all.","start_word":5094,"end_word":5103,"sentiment":"positive","sentiment_score":0.4656567335128784},{"text":"If you have any questions in the meantime, I will get that email out to you very shortly. So if you find you have any questions, you're welcome to email me back, and we can always make time to, you know, touch base and have a chat.","start_word":5104,"end_word":5150,"sentiment":"neutral","sentiment_score":0.2069946825504303},{"text":"Okay. Sounds great.","start_word":5151,"end_word":5153,"sentiment":"positive","sentiment_score":0.5047282576560974},{"text":"Not a problem at all. Are you on your way home now? You hopefully go home, put your feet up for a little bit. Yeah. It's nearly there. Yep. Yep.","start_word":5154,"end_word":5183,"sentiment":"neutral","sentiment_score":0.18997925519943237},{"text":"Perfect. Perfect. Well, thank you so much for your time. I really appreciate you going through with me. I'll get working on this for you, and, yeah, I'll get this email out to you this afternoon so you've got something to have a bit of a think about. Thank you. Thanks. My pleasure, Pathelia. Have a great afternoon. You too. Thanks. See you later.","start_word":5184,"end_word":5247,"sentiment":"positive","sentiment_score":0.5484172701835632},{"text":"Okay. Bye. Bye.","start_word":5248,"end_word":5250,"sentiment":"neutral","sentiment_score":0.14138421416282654}],"average":{"sentiment":"neutral","sentiment_score":0.1128583059046196}}}}