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Is now still a good time there for you? Yep. Fantastic. Ross, just to sort of start with things, I just wanted to confirm. We obviously do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Beautiful. And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. Russ, just to sort of jump into things, I wanted to sort of touch base and start with this. Sort of funny at, what are you sort of hoping to get out of today's review? Is there anything particular you wanted me to kinda touch base on for you? Or Yeah. Perfect. Yep. Absolutely. No. Understandable. I did wanna do a quick review of your file beforehand. I understand you've got a bit of a spinal injury. Is that right? Yeah. Okay. No worries at all. And the surgery obviously went well. Have they given you kind of any idea as to how long you might be off work for or whether you're able to go back to what you were doing? Okay. Yep. Okay. I'm so sorry. Wow. And because having a look at things, you were a landscaper before your injury. Is that right? Wow. Yeah. Wow. I'm so sorry to hear that. And so you're off work. You're having to go back and sort of look at what you can possibly do. Are you getting any assistance with reskilling or looking for other roles, or is that kind of something that's just pushed down the track for the time being, or where is that up to at the moment? Yes, sir. It's not the same. Oh, I'm so sorry. Yeah. Oh, well, I'm very sorry to hear that. Absolutely. Yeah. Yeah. No. Absolutely. Yeah. And you were outside all the time and doing a lot more. It's very different when you're in that office environment. Absolutely. Yep. Yep. Yeah. Absolutely. Well, I'm very sorry to hear that's what you're going through at the moment. It can be very difficult, but I certainly do hope that something does come up for you soon. I did have a bit of a look back, and I know we have sort of tried the claim on that TDD policy, but because of the definition that was offered, it's you didn't quite meet that definition. It was declined. I'm very sorry that it happened. Did anyone sort of talk to you about the option of maybe trying to claim incapacity against this sofa? Is that something that anyone sort of had to check to you about previously? Yeah. So we can depending you're right. Don't need to. No. That's okay. Not a problem at all. Yep. No. That's understandable. It is always an option if you wanted to down the track. Now having a look at things, you are still very young, so I'm pretty sure your doctor is trying to find ways to get you back to work. But if you did need to in the future, we can claim a permanent incapacity against your super. Essentially, it is sort of similar to claiming PPD against TPD covers that we would need to get doctor's reports. We need to be able to prove you can't go back to any occupation for which you're trained eligible or have worked. So it is kind of an any occupation definition, and it is a very broad definition. So it is very hard to claim on, but it is something if you wanted to down the track, we can help you with. I do apologize. It's not something that someone sort of possibly brought up in the past, but that is an option down the track that we could always try to claim on that. I do have to let you know that there are taxation rules around us. So if a claim was made on your super and you decided to take it all as a lump sum, it does you are taxed up to 22% because you're under the age of 60. So there are taxes involved. But if it's something you wanna do down the track, have a chat with myself or one of the advisers here. We can help with the claim to assist you and try to get it through. But we can also provide advice on how to try and limit or minimize the tax consequences for doing so as well. Okay? All good. No. That's okay. Yeah. Absolutely. Not a problem at all. Now I've just also logged in to your super because your main question was how's your super doing. So having a look at things at the moment here, I'm just having a look at the transaction report as well. But your balance in the super account at the moment is showing $63,021.98. Just quickly pulling up a report. I do apologize. It takes a second. Here we go. Yeah. You're right. So at the same point last year, we had a balance of Sorry. Just taking a second to build. Might be a moment. So sorry. My computer's a bit slow. It's the first one of the day. Okay. So when I'm looking at the the performance report for the last twelve months here, it is showing the balance as of last year was opening value showing 66,166. So it is down a little bit on where you were this time last year. So it is has gone backwards a little bit, but that is purely because of what's been sort of happening in the markets generally. There has been a lot of volatility in ups and downs there. With your investments as well, now you did originally also have in your investments that been along Australian equities. Do you remember seeing an email come through with a record of advice in the last few months? No. That's okay. So, obviously, with what's been happening in the markets generally and because, you know, portfolio hasn't really been getting any additional contributions and that we have seen a bit of volatility. So your portfolio has kinda gone backwards there. It is down about $3 from where you were this time last year. It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward. But you also have been along Australian equities in there, and we sent you a record of advice. We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year. So we actually had that removed because that investment was no longer seen as a a positive investment. It was having more of a negative effect on your portfolio, and that's part of the reason it has been down for the last year as well. We have taken steps to remove that out there. So if you have a look at your emails, you will see that record of advice in there. We've removed Bannalong out of there, and we've put you into the BetaShares a 200, which is more of a passively lower cost investment, which has not been underperforming as much as Bennelong has. So moving forward here, we just wanna have that kind of help to boost your portfolio, hopefully have it come back and provide a bit more growth there as well. But I'm being really honest with you. Portfolio has been down a little bit for the last year. It is down solely because of what we're seeing, the volatility in the market at the moment with what's been happening both globally and within Australia. So, globally, we all sort of hear about the Iran war and what's happening with The US and Iran and Europe as a whole. But then in Australia, we also have because we still have good good sorry. I'm looking for the word. The economy has been doing quite well with regard to employment, sorry, is the word I'm looking for. So we do actually have very high inflation at the moment as well, which is kinda hitting us on a different side of things and has been affecting some of the bonds and fixed interest components that we're seeing at the moment. So you are down a little bit on this year. It is showing still a positive return when we're looking at the growth there, but your balance is a bit lower from where you were this time last year, and that's kind of the reason for that. What I would like to maybe do is have a bit of a look. You're in more of a high growth environment as well. Has anyone kinda talked to you about reevaluating the risk level that you're undertaking? Has anyone kinda done a a risk profile with you recently or on the last twelve months ago? Do you know? No. That's okay. So the other sort of thing you've got here is that you're in more of a high growth environment in your portfolio as well. And while taking on high growth is great when we're we've got twenty years of our time and however, you are taking a bit more risk in the market. So it does mean when the market's performing really well, that the returns can be really great and really high. However, when we see times of large volatility like what's been happening at the moment, it does mean that when your portfolio sees dips, those dips are magnified a bit more, and you do do see more of a downside. And you can feel it a lot more as your balance increases as well. So I would maybe like to maybe talk to you about your risk profile. We maybe could look at reducing that risk a little bit in the market, which can also sort of help, but then doing a few more catch ups throughout the year as well, just checking to see how things are going and maybe, you know, look at how your portfolio is reacting, make sure we can see some sort of recovery moving forward. Okay? Yeah. Do you have any questions? I know I kinda go through a lot. Do you have any questions so far? Is there anything that you wanted to maybe touch a bit more on? Or yeah. That's okay. Let's go back and have a bit of a look for you. So I'll go back into the report section because I can generate reports for all different times and dates. So let's look at last year up until the end of the year as a calendar year, and then we can kinda see where you were tracking for that year for the full calendar year last year because it was kind of from January onwards that we've seen a lot of this volatility with what's been occurring. And that kinda gives you an idea for where you were tracking and how much of a positive return it was, and then you can sort of see the pullback for this year and the volatility there. Okay? So sorry. Won't be two seconds. I just gotta generate the report. Beautiful. So let's do custom. Hard to believe it's already April this year, isn't it? This year is flying by. I feel like the older I get, the more it flies by. There we go. Okay. So I'm just generating the calendar year report for you now. Just take a second to generate that. This is looking from the December 1 January 1 year to the December 31 year. And that's showing here because you were also working for part of that point last year as well, weren't you? No? Not off work? Okay. So off for over twelve months now. Beautiful. Okay. So Okay. Yep. Yep. Perfect. Sorry. It's just thinking. It's loading. I've got that little spinning circle on my computer. Love that. I might actually look at our inception report as well for you because that'll kinda give you an idea of what's been happening over since you since you came on board originally. It is sort of encompassing this year as well, so it may show a neg hopefully, it doesn't show a negative result, but the volatility we are seeing at the moment has been a bit up and down. Here we go. Okay. So the inception report was the quickest one to generate. The other one's still loading for me, unfortunately. But it does show that the net return since inception there. There. So you came on board originally around about 2020 to 2026. So the return as a whole is about 3.87%. So it is a bit low for inception. It looks like you were tracking pretty well last year, up sort of around about five to 6% for last year until that volatility kinda hit. So your portfolio has done quite well for the last twelve months. We had been tracking higher, but then what sorta happened from January to now is kind of pulled it back a little bit. And a lot of that is due to, you know, with where you are. Obviously, contributions do make a bit of a difference in this paper. But with no contributions, you are kind of just hoping the portfolio holds its own. So when we see volatility, we are taking more risk in the market. We are gonna taking more risk in the market. We are gonna feel that volatility a lot more. We tend to feel the dips a lot heavier than we do the the ups the ups out of the portfolio. So that's kind of where things are going at the moment. We do. There's no real idea on how long this is going to last. In the last sort of sorry. In the last sort of two weeks, we have seen the market take a bit of a dip, but we've also seen some recovery points there. So with your portfolio, with that record of advice that had been sent out in the last couple of weeks to you, with removing that alone, you have then seen a little bit of a recovery point there. So you're still down by about $3 on where you were last this time last year. However, we have seen a little bit of recovery points. The market was up by just under a percent yesterday, and your portfolio the a 200 that we've replaced it with is currently also showing an increase of about 4% there for you. So what I would like to do is maybe not change anything in the portfolio at the moment. Let's give it maybe a little bit of time. Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to. What I would probably also like to look at doing is maybe readjusting your risk level. So maybe moving you out of that high growth environment because there's no contributions going in. Adjusting that risk level, you can still see great returns with a lower risk portfolio, but you're sort of just, you know, limiting some of those higher risk investments. So we're kind of hoping to have a little bit less of that volatility side of things. Does that sound fairly comfortable for where you're at, or what are your thoughts in relation to that now? You're right. Yeah. Yeah. Of course. Yeah. Yeah. Absolutely. So the insurances at the moment, you've got your life and TPD coming out of there. They are showing a for this twelve months, the total cost there for the insurances that came out of super was $5,076.56. If I have a look here at the portfolio report that I've got just go back to that one. Yeah. Yeah. It has covered. Yeah. It has definitely covered the cost of our fees because the return I give you is always net of fees. So on the last twelve months there, the return after the cost of our fees for looking after the super and also after your insurance premiums have come out, you've still seen a a growth of $1,314.64 as a dollar figure. So that is still showing a positive result. It's just that the total portfolio was down because of you know, you you got a little bit less in there than you did this time last year. But you are still seeing income, so we're looking at dividends that are being paid out of the portfolio that gets put back into the cash account and reinvested into the investment portfolio for dividends and the compounding effect. And then you do see that additional growth there as well. The growth is kinda where it's all had that pullback. You're still getting income. When I look at the income that's been coming out, the dividends that have been paid out of the the individual investments, it's still happening. It's still a positive result there. The biggest thing is the growth component, which is the change in the investment prices. So that's currently down at the moment, and that's where the pullback sort of thing. It is expected. It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it. We kind of have to wade through this time. But I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things. I mean, with with regards to the high risk component, the portfolio you're in, you're welcome to stay in that portfolio if that's where you'd like to be. But with no contributions going into the super until you kind of are able to go back to work. We are sort of hoping it's just making sure this the portfolio is working, and it's kind of only half the job. It's sort of like getting in a car and sort of hoping that it drives on minimal fuel without putting fuel in on a regular basis. You kinda end up, you know, running on fumes. So portfolios will work. You do get income and dividends and growth and things, but you're not sort of getting it. It doesn't do the whole job. Contributions do make a bit of a difference. Putting money into the portfolio on a regular basis does definitely help with the compounding effect. It allows you to take allows you to take the benefit from when the markets are in a dip like we have seen in the last few months, putting money in and taking advantage of the downtime in our portfolio. But it's completely understandable that you can't at the moment with everything that you've got going on, but it is with regards to where we are at the moment. A selling investment is just cementing those losses and not sort of letting your portfolio have a chance to recover out. So we it is best to sort of hold and wait for the moment just to see where things are going, especially since this is, like, a market wide thing. It's affecting everybody. It's affecting retail funds, industry funds. Everyone's portfolio performance is having a bit of a bit of a downtime at the moment with regard to what's going on. And yeah. So I would suggest sort of holding and waiting for the moment. I'd love to maybe move you out of that high growth environment, maybe reduce your risk a little bit down. But at the end of the day, it's gotta be what you're comfortable with as well. So what's your thoughts in relation to that? If you want me to break things down, you can you can let me know, Ross. That's fine. Yeah. Yeah. Perfect. Perfect. Well, let's maybe run through those risk profile questionnaire. Let's I'll ask you the questions. We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking. Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward. Does that sound okay? Yeah. Fantastic. The first one here is have you ever invested in any shares in your own name in the past? Have you ever had investments outside of super in your own name? Nope. That's okay. All good. Beautiful. The next one here is what sort of time horizon you're looking at before accessing super. So look at your age. You're still very young. You can't technically access super to the age of 60 there, so I'll just take that first box there for you. Okay? Perfect. Now the next one here is a really good in is a really good question in relation to what's happening at the moment. So so it does say here that inflation means that things are getting more expensive over time, but inflation tends to devalue at the cost of our money. So a $100 is is isn't worth a $100 next year. It is devalued by inflationary risk. So the question here is how much risk do you feel you're comfortable with in your super? How much risk do you feel comfortable taking with now in order to get greater long term results knowing that there is a lot of volatility in the shorter term like what we're seeing at the moment? Do you think you're comfortable taking on more of a higher level of risk in order to get greater long term performance, but knowing there is a lot more volatility and you feel it greater in the shorter term? Do you consider yourself to be maybe in a moderate or medium capacity where you'd be happy happy taking some risk, but maybe not a lot? Or do you feel comfortable taking no risk in the and getting lower returns? How do you sort of feel that you fit I'm sorry. Yep. Yep. Yeah. Yep. The cost. Yep. Yep. Yep. Absolutely. The next one here is about volatility, and it says, obviously, looking is super. We do understand. And at the moment, you are showing a bit more of a negative result because you are a little bit back from where you were this time last year. So because you do have a good twenty odd years before accessing super at this point in time, do how does it feel when you sort of do find your super has taken a bit of a a pullback with what's happening in the markets generally? Do you feel a bit more concerned? Are you just sort of wanting to speak to us and find out what's happening? Do you feel comfortable holding and waiting, or is it more making you giving you a bit of anxiety? How do you sort of feel? Yep. Yeah. Absolutely. Absolutely. Yeah. Yep. And that's a really good sort of point because that is that's exactly what we sort of don't wanna be doing. We don't wanna have to cement losses, but it's also a bit of a juggling guess because whilst you don't wanna cement losses while the market is having a bit of a pullback, you also don't wanna take on too much risk in the market than what you're comfortable doing. So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking in order to get that long term recovery. Other times, if you're still comfortable being in that high growth environment for a little bit longer, you wanna sort of see if it can come out, we can always just hold and wait because realistically and there's a really great report that Vanguard did a few years back where they looked at, you know, the idea of staying in the market, participating in the market in index funds, and just waiting through those market ups and downs and staying invested through the downtimes and allowing the portfolio to come through recovery versus active managers who were trying to outperform the market and trying to pick when to buy in. And they sort of worked out that if you miss the best and worst days, depending on how much you had invested and the risk level that you were taking, they averaged it out that you could yeah. They averaged that that you could be missing over the course of ten or twenty years about 20 to $50,000. So, realistically, selling in the downtime is not preferable. However, it also so it also comes down to your comfort level as well. So I've got with our book here, I'd absolutely. Hindsight's a beautiful thing. Absolutely. Absolutely. But in this scenario, you're also trying to time the market, and that's not something that we're able to do. No one can time the market perfectly. I can safely say, if I could, I wouldn't have a job. I'd be sitting on a yacht somewhere, time in the market and investing money. So, you know, it's not about sort of absolutely. Absolutely. So there is a lot to say for being passively invested and just staying within the market here. And having a look at the investments that you're invested in between the a 200, you've got some physical gold, which is showing good positive returns to the year. You've got the S and P 500, some European exposures, some Japanese, and some cybersecurity in there. And those sorts of investments have all been around for a very long time, so they have seen those market ups and downs. A lot of these investment options have been through downtimes like the GFC in the early two thousand eight, 2009 sort of period through COVID. And they've gone through those downtimes, seen more of a drop than what we've got at the moment, and still come back and shown recovery and grown and had growth from there. So we definitely haven't put you in anything that is really speculative or not safe in any way, shape, or form. All investors have a certain degree of risk, but all these investments have have seen a track record. So I hate the word safe. I shouldn't have thrown that out there, but, essentially, it's a you know, these investments have seen the track record. They have been through downtime. They have seen really big huge drops in the market and being through those and come out the other side. The other sort of thing I do like is with the S and P 500 and the a 200, you're invested in the top 500 companies in The US or the top 200 companies in Australia with the beta shares a 200. One of the good things about those sorts of index funds is that you are technically you are technically invested in the top companies there, and these are in these are funds that follow or track an industry. So with the S and P 500, it tracks the S and P 500 index, and the investment committee within the index there, they actually meet every quarter, and they make sure the companies within that index actually meet the criteria to be in the S and P 500. If those companies or if some of the companies in that no longer meet the criteria, they are removed out of the index, and then other companies are moved in that do meet the criteria. So you can sort of show you always invest in the top companies there. Companies that don't meet that criteria are removed out and, you know, other ones are replaced. And the same thing happens with the a 200. It's about being invested in the top 200 companies at all times. And when companies no longer meet the criteria to be in that industry, then they are removed out and other companies are replaced there. So it is a good way to be invested, making sure you're always following the top companies in those industries. You've also got some physical gold in here as well, and gold is more of as well as a growth asset, it also works defensively. And for the last twelve months, gold has done really, really well, and that has kinda had a really good effect on your portfolio. So at the moment, the return just for gold shows that in your portfolio, you are up by 24.8%. The gold has had a really good effect on your portfolio this year, and it has sorta helped to keep to keep the negative return a little bit minimized. Does that make sense? Yeah. Yeah. Who knows? Honestly, who knows? We I remember in February, there was that one day when we did see it was between 11 to 18% dip in one day, so we did see a huge drop. But gold is still really heavily sought after, both as I mean, I love gold as a female, but then it's also a great investment. And with the volatility we are still seeing at the moment, there is still a a big ask for gold that has still been seen good growth there as well. So, you know, it is definitely still needed, still wanted. And whilst it may have a dip coming, we don't know. It's it's definitely worth keeping your portfolio. I've got a lot of clients who have wanted to have a bit more in the way of commodities at the moment, especially some of my older clients that are closest for retirement. Just wanted to have a little bit of extra commodities, a bit of that gold and silver and things like that. So your gold has done really, really well and has had a benefit for your portfolio to helping minimize that that drop that you're seeing at the moment. Yeah. That's okay. Has that helped? Is it giving you a bit more clarity? Did you wanna ask anything further? You're welcome to ask more questions or have me clarify anything further for you. Yeah. Excellent. Excellent. Would you like us to maybe set up so we can do maybe a catch up with you in did you want maybe three months, six months, or how long before you would want maybe another catch up for you? I'd love to make sure that we're doing additional catch ups with you. Yep. Yep. Absolutely. Beautiful. What I you're you know what? We need to have him on our on our call list. We need to get him on our radar so we can just get him to, you know, man help maneuver markets when we need them to. Absolutely. No. That's all good, honestly. It look. It's as I'd never wanna sort of provide any I never wanna lie to you. I wanna be honest. Your portfolio has shown it is down a little bit, but we do wanna obviously keep it tracking and do a bit of more of a catch up with you to sort of see if the next three months can provide a bit more of a recovery or how things do move since we've moved and changed that van along out of there. That as I said, that was one of the things that kind of made a bit of a a difference to your portfolio over the last few months as well as what's happening with the markets generally. But now that we've moved that investment out of there, it was underperforming. We've gotten rid of it for you. We've put that a 200 in there. We'll just sort of see how that tracks and see what happens over the next few months there. Did you wanna maybe look at reducing your risk level, or did you want us to sort of stay in this portfolio for the next twelve months knowing that it is high growth that you are taking on a little bit more risk in the market? How do you sort of feel about that? Yep. Yep. Yep. We can do that. Yep. Yep. Yep. Absolutely. We can definitely look at doing that for you. I just have two more questions to ask with regard to this one here. The last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Has there ever been something you've done or thought about doing? Nope. That's okay. Beautiful. Having a look at your didn't. Yeah. That's okay. And having a look at your circumstances, you're not you're renting at the moment. Is that right? Yep. That's okay. Have you ever owned a home or ever wanted to, or is that kind of a a goal you maybe have moving forward to buy a property or investment property, or was that not sort of yep. Yep. That's okay. Not a problem at all. Beautiful. And the last one here is sorry. The last one here is looking at kind of the average return that we're looking to achieve. Are you sort of wanting to try and get the best returns you possibly can out of your portfolio, or you sort of happy to, you know, understand looking for sort of a set average rate of return. What's your sort of thought there? So that's yeah. Beautiful. Beautiful. Yeah. Yeah. Absolutely. Perfect. Excellent. Now looking at that one that you have scored as a growth investor. So with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest. With regards to the high growth portfolio that you're kind of looking at and are in at the moment, you generally sort of expect a negative return sort of one in every five years. And you're sort of looking to try and get an average rate of return of about 8% eight to 10%. So anything under that 8% is a bit more of an underperformance or a lower rate of return for the year. Anything over that 10% is kind of, you know, over performance, and you've done exceptionally well. What we can sort of maybe look at doing if you would like to is maybe just adjust the risk level a little bit. So you're dropping it by about 10%. It's sort of starting to reduce it in increments. It drops you down to the growth portfolio, which generally sees about 80% in those growth investments. We're not having to change the whole portfolio. We can try and do it so it minimizes the changes as much as possible, minimizes the CGT consequences in your portfolio, and just reduce those growth assets down to about 10 five sorry, to 80%, so dropping it down by 10% there, and then increase those defensive investments by about 20 220%. So it's by about 10% alteration there. The expected average return you're sort of looking at with the growth portfolio is about seven to 9%. So you're not sort of having a huge change. It's kinda dropping it down just a little bit. Does that feel sort of where your comfort level might be, or did you want to sort of see a bigger change to your portfolio and the risk level? What's your thought? Yeah. Yeah. Yep. Yeah. Absolutely. Yep. That's that's just dropping it down one extra. Yeah. Absolutely. It's it's a bit up in there at the moment. Who knows what's gonna happen? You kinda get some news coming out of The US, and everyone kinda goes, yay. It looks like it might all be over soon, and then all of a sudden, something happens tomorrow. Trump has a bit of a spat on social media. You know, he swears at somebody, and then it all kinda drops again. So who knows who knows what's gonna happen? But that seventy thirty sort of split is dropping it down to the balanced growth environment there. We're sort of averaging to try and obtain a six to 8% return there. You've got about 70% in those growth investments. You're increasing the defensive lower risk investments to 30%. And the likelihood of well, it really depends, and it's important it's important to note that without ongoing service fee, it is a percentage based fee as well. So it's 1.65% per annum, but it is in line with what's happening in your portfolio. So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it. So our fee is relative and linked to what your portfolio is doing. When the portfolio is higher, our fee is gonna be higher. What if portfolio is taking a bit of a dip due to what's happening externally, then our fee will take a bit of a dip there with it. So it is very much relative to what's happening. No. Correct. Correct. And yeah. No. That's okay. With the insurance yeah. Well, thank you. Yeah. Well, with the with the insurance that you do have at the moment, obviously, it's quite high. Did you wanna look at maybe, you know, reducing or reevaluating the insurance? I know with TPD, you have that ADL definition, which is a bit harder to claim, and I wouldn't wanna sort of remove that completely. But you've got a sum insured here at the moment of $687,003.03 4. In the event that you were to pass away, your life insurance is paid up, but so is your super balance. Did you wanna look at maybe reducing the level of cover you have to see if that can gen does generally also reduce the premiums as well, or do you feel like that level of cover you have is what you need? Yes. Yeah. Yep. That's okay. We can leave it as it is. We can I can go back and just have a look at the balanced growth portfolio, have a look at, you know, what it is doing, have a look at how we maybe adjust that? We do have a couple of different options. So we do have just maybe maneuvering and readjusting the current portfolio you're in. I could also look at other portfolios to see if maybe they've got, you know, investors that have been working a little bit harder, maybe move it up to one of the newer balance growth portfolios, I'll look at the CGT consequences for you and have a bit of a look at all the factors and see what we've got what we're doing there. The other thing we can look at is we've also recently set up our own investments and o f u investment option. It's called an estimate, so separately managed account. At the moment, when you look at your super, you can currently see all the different investment options that you have in there. So you've got you can see your physical gold. You can see the a 200, the cybersecurity, and the S and P 500. The difference to this SMA product is that if you kind of move into that, when you look at your Netwealth account, all you would see is your balance and the SMA and what it where it where it's at at the moment. You wouldn't see all the underlying investment options. The benefit of this kinda SMA product is that by by if you chose to go into it, if it works well for you, The underlying there are kinda controlled by our investment committee, and we've actually built that in line or in coordination with BlackRock. So BlackRock are one of Australia's largest investment firms, and we utilize their investment committee, their research houses, their analysts to build this sort of SMA product. Within the SMA, we can have anywhere from, say, five to 20 to 50 different investment options, but it allows us to be able to make make changes to the investments without having to update the advice for you. So as a really good example, with the SMA, last week, we were able to meet with the investment committee. Sorry. That was two weeks ago. I apologize. We were able to meet with the investment committee and the BlackRock investment team. Because of what's been happening globally, they actually made some changes to their estimate products. They checked took out some investments, reduced exposure into some investments, added some in, and increased exposure to different areas. They essentially, what they did to work out that was they had a look at what was happening globally, what was happening in that portfolio, and they had a look at the risk level and where they see or where the analysts see the market's moving to in the future. They then were able to make changes to that estimate. Absolutely. Absolutely. It's the same as what we're doing with investments. The main difference is that we can make changes there without having to update advice without having to tell you that we're making changes. So your portfolio has always been evaluated and altered and rebalanced underneath without having to update the advice. It kind of means that we get a lot more control around making changes to the investments for you. You lose a little bit of visibility on what you're invested in. We do get change reports and updated reports every time chain like, whenever changes are made, but it's not something everyone wants to do. I do have some clients who prefer to see those investments in this super and other clients who are happy to remove that visibility aspect, just see what their balance is, and hand over control of maneuvering investments to us without having to update advice. What's your sort of thoughts around that? Would you like me to look at that and see if it provides the benefit, or would you like to just sort of see your investments in your super? What's your sort of thought? Yep. Yep. Yep. Beautiful. Hi, Ross. Can you hear me? 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Ross. It's Dana from Okie Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. We had you booked in this morning to go through your annual review. Is now still a good time there for you? Yep. Fantastic.\n\nRoss, just to sort of start with things, I just wanted to confirm. We obviously do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Beautiful. And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you.\n\nI'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that.\n\nRuss, just to sort of jump into things, I wanted to sort of touch base and start with this. Sort of funny at, what are you sort of hoping to get out of today's review? Is there anything particular you wanted me to kinda touch base on for you? Or Yeah. Perfect.\n\nYep. Absolutely. No. Understandable. I did wanna do a quick review of your file beforehand.\n\nI understand you've got a bit of a spinal injury. Is that right? Yeah. Okay. No worries at all.\n\nAnd the surgery obviously went well. Have they given you kind of any idea as to how long you might be off work for or whether you're able to go back to what you were doing? Okay. Yep. Okay.\n\nI'm so sorry. Wow. And because having a look at things, you were a landscaper before your injury. Is that right? Wow.\n\nYeah. Wow. I'm so sorry to hear that. And so you're off work. You're having to go back and sort of look at what you can possibly do.\n\nAre you getting any assistance with reskilling or looking for other roles, or is that kind of something that's just pushed down the track for the time being, or where is that up to at the moment? Yes, sir. It's not the same. Oh, I'm so sorry. Yeah.\n\nOh, well, I'm very sorry to hear that. Absolutely. Yeah. Yeah. No.\n\nAbsolutely. Yeah. And you were outside all the time and doing a lot more. It's very different when you're in that office environment. Absolutely.\n\nYep. Yep. Yeah. Absolutely. Well, I'm very sorry to hear that's what you're going through at the moment.\n\nIt can be very difficult, but I certainly do hope that something does come up for you soon. I did have a bit of a look back, and I know we have sort of tried the claim on that TDD policy, but because of the definition that was offered, it's you didn't quite meet that definition. It was declined. I'm very sorry that it happened. Did anyone sort of talk to you about the option of maybe trying to claim incapacity against this sofa?\n\nIs that something that anyone sort of had to check to you about previously? Yeah. So we can depending you're right. Don't need to. No.\n\nThat's okay. Not a problem at all. Yep. No. That's understandable.\n\nIt is always an option if you wanted to down the track. Now having a look at things, you are still very young, so I'm pretty sure your doctor is trying to find ways to get you back to work. But if you did need to in the future, we can claim a permanent incapacity against your super. Essentially, it is sort of similar to claiming PPD against TPD covers that we would need to get doctor's reports. We need to be able to prove you can't go back to any occupation for which you're trained eligible or have worked.\n\nSo it is kind of an any occupation definition, and it is a very broad definition. So it is very hard to claim on, but it is something if you wanted to down the track, we can help you with. I do apologize. It's not something that someone sort of possibly brought up in the past, but that is an option down the track that we could always try to claim on that. I do have to let you know that there are taxation rules around us.\n\nSo if a claim was made on your super and you decided to take it all as a lump sum, it does you are taxed up to 22% because you're under the age of 60. So there are taxes involved. But if it's something you wanna do down the track, have a chat with myself or one of the advisers here. We can help with the claim to assist you and try to get it through. But we can also provide advice on how to try and limit or minimize the tax consequences for doing so as well.\n\nOkay? All good. No. That's okay. Yeah.\n\nAbsolutely. Not a problem at all. Now I've just also logged in to your super because your main question was how's your super doing. So having a look at things at the moment here, I'm just having a look at the transaction report as well. But your balance in the super account at the moment is showing $63,021.98.\n\nJust quickly pulling up a report. I do apologize. It takes a second. Here we go. Yeah.\n\nYou're right. So at the same point last year, we had a balance of Sorry. Just taking a second to build. Might be a moment. So sorry.\n\nMy computer's a bit slow. It's the first one of the day. Okay. So when I'm looking at the the performance report for the last twelve months here, it is showing the balance as of last year was opening value showing 66,166. So it is down a little bit on where you were this time last year.\n\nSo it is has gone backwards a little bit, but that is purely because of what's been sort of happening in the markets generally. There has been a lot of volatility in ups and downs there. With your investments as well, now you did originally also have in your investments that been along Australian equities. Do you remember seeing an email come through with a record of advice in the last few months? No.\n\nThat's okay. So, obviously, with what's been happening in the markets generally and because, you know, portfolio hasn't really been getting any additional contributions and that we have seen a bit of volatility. So your portfolio has kinda gone backwards there. It is down about $3 from where you were this time last year. It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward.\n\nBut you also have been along Australian equities in there, and we sent you a record of advice. We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year. So we actually had that removed because that investment was no longer seen as a a positive investment. It was having more of a negative effect on your portfolio, and that's part of the reason it has been down for the last year as well. We have taken steps to remove that out there.\n\nSo if you have a look at your emails, you will see that record of advice in there. We've removed Bannalong out of there, and we've put you into the BetaShares a 200, which is more of a passively lower cost investment, which has not been underperforming as much as Bennelong has. So moving forward here, we just wanna have that kind of help to boost your portfolio, hopefully have it come back and provide a bit more growth there as well. But I'm being really honest with you. Portfolio has been down a little bit for the last year.\n\nIt is down solely because of what we're seeing, the volatility in the market at the moment with what's been happening both globally and within Australia. So, globally, we all sort of hear about the Iran war and what's happening with The US and Iran and Europe as a whole. But then in Australia, we also have because we still have good good sorry. I'm looking for the word. The economy has been doing quite well with regard to employment, sorry, is the word I'm looking for.\n\nSo we do actually have very high inflation at the moment as well, which is kinda hitting us on a different side of things and has been affecting some of the bonds and fixed interest components that we're seeing at the moment. So you are down a little bit on this year. It is showing still a positive return when we're looking at the growth there, but your balance is a bit lower from where you were this time last year, and that's kind of the reason for that. What I would like to maybe do is have a bit of a look. You're in more of a high growth environment as well.\n\nHas anyone kinda talked to you about reevaluating the risk level that you're undertaking? Has anyone kinda done a a risk profile with you recently or on the last twelve months ago? Do you know? No. That's okay.\n\nSo the other sort of thing you've got here is that you're in more of a high growth environment in your portfolio as well. And while taking on high growth is great when we're we've got twenty years of our time and however, you are taking a bit more risk in the market. So it does mean when the market's performing really well, that the returns can be really great and really high. However, when we see times of large volatility like what's been happening at the moment, it does mean that when your portfolio sees dips, those dips are magnified a bit more, and you do do see more of a downside. And you can feel it a lot more as your balance increases as well.\n\nSo I would maybe like to maybe talk to you about your risk profile. We maybe could look at reducing that risk a little bit in the market, which can also sort of help, but then doing a few more catch ups throughout the year as well, just checking to see how things are going and maybe, you know, look at how your portfolio is reacting, make sure we can see some sort of recovery moving forward. Okay? Yeah. Do you have any questions?\n\nI know I kinda go through a lot. Do you have any questions so far? Is there anything that you wanted to maybe touch a bit more on? Or yeah. That's okay.\n\nLet's go back and have a bit of a look for you. So I'll go back into the report section because I can generate reports for all different times and dates. So let's look at last year up until the end of the year as a calendar year, and then we can kinda see where you were tracking for that year for the full calendar year last year because it was kind of from January onwards that we've seen a lot of this volatility with what's been occurring. And that kinda gives you an idea for where you were tracking and how much of a positive return it was, and then you can sort of see the pullback for this year and the volatility there. Okay?\n\nSo sorry. Won't be two seconds. I just gotta generate the report. Beautiful. So let's do custom.\n\nHard to believe it's already April this year, isn't it? This year is flying by. I feel like the older I get, the more it flies by. There we go. Okay.\n\nSo I'm just generating the calendar year report for you now. Just take a second to generate that. This is looking from the December 1 January 1 year to the December 31 year. And that's showing here because you were also working for part of that point last year as well, weren't you? No?\n\nNot off work? Okay. So off for over twelve months now. Beautiful. Okay.\n\nSo Okay. Yep. Yep. Perfect. Sorry.\n\nIt's just thinking. It's loading. I've got that little spinning circle on my computer. Love that. I might actually look at our inception report as well for you because that'll kinda give you an idea of what's been happening over since you since you came on board originally.\n\nIt is sort of encompassing this year as well, so it may show a neg hopefully, it doesn't show a negative result, but the volatility we are seeing at the moment has been a bit up and down. Here we go. Okay. So the inception report was the quickest one to generate. The other one's still loading for me, unfortunately.\n\nBut it does show that the net return since inception there. There. So you came on board originally around about 2020 to 2026. So the return as a whole is about 3.87%. So it is a bit low for inception.\n\nIt looks like you were tracking pretty well last year, up sort of around about five to 6% for last year until that volatility kinda hit. So your portfolio has done quite well for the last twelve months. We had been tracking higher, but then what sorta happened from January to now is kind of pulled it back a little bit. And a lot of that is due to, you know, with where you are. Obviously, contributions do make a bit of a difference in this paper.\n\nBut with no contributions, you are kind of just hoping the portfolio holds its own. So when we see volatility, we are taking more risk in the market. We are gonna taking more risk in the market. We are gonna feel that volatility a lot more. We tend to feel the dips a lot heavier than we do the the ups the ups out of the portfolio.\n\nSo that's kind of where things are going at the moment. We do. There's no real idea on how long this is going to last. In the last sort of sorry. In the last sort of two weeks, we have seen the market take a bit of a dip, but we've also seen some recovery points there.\n\nSo with your portfolio, with that record of advice that had been sent out in the last couple of weeks to you, with removing that alone, you have then seen a little bit of a recovery point there. So you're still down by about $3 on where you were last this time last year. However, we have seen a little bit of recovery points. The market was up by just under a percent yesterday, and your portfolio the a 200 that we've replaced it with is currently also showing an increase of about 4% there for you. So what I would like to do is maybe not change anything in the portfolio at the moment.\n\nLet's give it maybe a little bit of time. Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to. What I would probably also like to look at doing is maybe readjusting your risk level. So maybe moving you out of that high growth environment because there's no contributions going in. Adjusting that risk level, you can still see great returns with a lower risk portfolio, but you're sort of just, you know, limiting some of those higher risk investments.\n\nSo we're kind of hoping to have a little bit less of that volatility side of things. Does that sound fairly comfortable for where you're at, or what are your thoughts in relation to that now? You're right. Yeah. Yeah.\n\nOf course. Yeah. Yeah. Absolutely. So the insurances at the moment, you've got your life and TPD coming out of there.\n\nThey are showing a for this twelve months, the total cost there for the insurances that came out of super was $5,076.56. If I have a look here at the portfolio report that I've got just go back to that one. Yeah. Yeah. It has covered.\n\nYeah. It has definitely covered the cost of our fees because the return I give you is always net of fees. So on the last twelve months there, the return after the cost of our fees for looking after the super and also after your insurance premiums have come out, you've still seen a a growth of $1,314.64 as a dollar figure. So that is still showing a positive result. It's just that the total portfolio was down because of you know, you you got a little bit less in there than you did this time last year.\n\nBut you are still seeing income, so we're looking at dividends that are being paid out of the portfolio that gets put back into the cash account and reinvested into the investment portfolio for dividends and the compounding effect. And then you do see that additional growth there as well. The growth is kinda where it's all had that pullback. You're still getting income. When I look at the income that's been coming out, the dividends that have been paid out of the the individual investments, it's still happening.\n\nIt's still a positive result there. The biggest thing is the growth component, which is the change in the investment prices. So that's currently down at the moment, and that's where the pullback sort of thing. It is expected. It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it.\n\nWe kind of have to wade through this time. But I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things. I mean, with with regards to the high risk component, the portfolio you're in, you're welcome to stay in that portfolio if that's where you'd like to be. But with no contributions going into the super until you kind of are able to go back to work. We are sort of hoping it's just making sure this the portfolio is working, and it's kind of only half the job.\n\nIt's sort of like getting in a car and sort of hoping that it drives on minimal fuel without putting fuel in on a regular basis. You kinda end up, you know, running on fumes. So portfolios will work. You do get income and dividends and growth and things, but you're not sort of getting it. It doesn't do the whole job.\n\nContributions do make a bit of a difference. Putting money into the portfolio on a regular basis does definitely help with the compounding effect. It allows you to take allows you to take the benefit from when the markets are in a dip like we have seen in the last few months, putting money in and taking advantage of the downtime in our portfolio. But it's completely understandable that you can't at the moment with everything that you've got going on, but it is with regards to where we are at the moment. A selling investment is just cementing those losses and not sort of letting your portfolio have a chance to recover out.\n\nSo we it is best to sort of hold and wait for the moment just to see where things are going, especially since this is, like, a market wide thing. It's affecting everybody. It's affecting retail funds, industry funds. Everyone's portfolio performance is having a bit of a bit of a downtime at the moment with regard to what's going on. And yeah.\n\nSo I would suggest sort of holding and waiting for the moment. I'd love to maybe move you out of that high growth environment, maybe reduce your risk a little bit down. But at the end of the day, it's gotta be what you're comfortable with as well. So what's your thoughts in relation to that? If you want me to break things down, you can you can let me know, Ross.\n\nThat's fine. Yeah. Yeah. Perfect. Perfect.\n\nWell, let's maybe run through those risk profile questionnaire. Let's I'll ask you the questions. We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking. Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward. Does that sound okay?\n\nYeah. Fantastic. The first one here is have you ever invested in any shares in your own name in the past? Have you ever had investments outside of super in your own name? Nope.\n\nThat's okay. All good. Beautiful. The next one here is what sort of time horizon you're looking at before accessing super. So look at your age.\n\nYou're still very young. You can't technically access super to the age of 60 there, so I'll just take that first box there for you. Okay? Perfect. Now the next one here is a really good in is a really good question in relation to what's happening at the moment.\n\nSo so it does say here that inflation means that things are getting more expensive over time, but inflation tends to devalue at the cost of our money. So a $100 is is isn't worth a $100 next year. It is devalued by inflationary risk. So the question here is how much risk do you feel you're comfortable with in your super? How much risk do you feel comfortable taking with now in order to get greater long term results knowing that there is a lot of volatility in the shorter term like what we're seeing at the moment?\n\nDo you think you're comfortable taking on more of a higher level of risk in order to get greater long term performance, but knowing there is a lot more volatility and you feel it greater in the shorter term? Do you consider yourself to be maybe in a moderate or medium capacity where you'd be happy happy taking some risk, but maybe not a lot? Or do you feel comfortable taking no risk in the and getting lower returns? How do you sort of feel that you fit I'm sorry. Yep.\n\nYep. Yeah. Yep. The cost. Yep.\n\nYep. Yep. Absolutely. The next one here is about volatility, and it says, obviously, looking is super. We do understand.\n\nAnd at the moment, you are showing a bit more of a negative result because you are a little bit back from where you were this time last year. So because you do have a good twenty odd years before accessing super at this point in time, do how does it feel when you sort of do find your super has taken a bit of a a pullback with what's happening in the markets generally? Do you feel a bit more concerned? Are you just sort of wanting to speak to us and find out what's happening? Do you feel comfortable holding and waiting, or is it more making you giving you a bit of anxiety?\n\nHow do you sort of feel? Yep. Yeah. Absolutely. Absolutely.\n\nYeah. Yep. And that's a really good sort of point because that is that's exactly what we sort of don't wanna be doing. We don't wanna have to cement losses, but it's also a bit of a juggling guess because whilst you don't wanna cement losses while the market is having a bit of a pullback, you also don't wanna take on too much risk in the market than what you're comfortable doing. So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking in order to get that long term recovery.\n\nOther times, if you're still comfortable being in that high growth environment for a little bit longer, you wanna sort of see if it can come out, we can always just hold and wait because realistically and there's a really great report that Vanguard did a few years back where they looked at, you know, the idea of staying in the market, participating in the market in index funds, and just waiting through those market ups and downs and staying invested through the downtimes and allowing the portfolio to come through recovery versus active managers who were trying to outperform the market and trying to pick when to buy in. And they sort of worked out that if you miss the best and worst days, depending on how much you had invested and the risk level that you were taking, they averaged it out that you could yeah. They averaged that that you could be missing over the course of ten or twenty years about 20 to $50,000. So, realistically, selling in the downtime is not preferable. However, it also so it also comes down to your comfort level as well.\n\nSo I've got with our book here, I'd absolutely. Hindsight's a beautiful thing. Absolutely. Absolutely. But in this scenario, you're also trying to time the market, and that's not something that we're able to do.\n\nNo one can time the market perfectly. I can safely say, if I could, I wouldn't have a job. I'd be sitting on a yacht somewhere, time in the market and investing money. So, you know, it's not about sort of absolutely. Absolutely.\n\nSo there is a lot to say for being passively invested and just staying within the market here. And having a look at the investments that you're invested in between the a 200, you've got some physical gold, which is showing good positive returns to the year. You've got the S and P 500, some European exposures, some Japanese, and some cybersecurity in there. And those sorts of investments have all been around for a very long time, so they have seen those market ups and downs. A lot of these investment options have been through downtimes like the GFC in the early two thousand eight, 2009 sort of period through COVID.\n\nAnd they've gone through those downtimes, seen more of a drop than what we've got at the moment, and still come back and shown recovery and grown and had growth from there. So we definitely haven't put you in anything that is really speculative or not safe in any way, shape, or form. All investors have a certain degree of risk, but all these investments have have seen a track record. So I hate the word safe. I shouldn't have thrown that out there, but, essentially, it's a you know, these investments have seen the track record.\n\nThey have been through downtime. They have seen really big huge drops in the market and being through those and come out the other side. The other sort of thing I do like is with the S and P 500 and the a 200, you're invested in the top 500 companies in The US or the top 200 companies in Australia with the beta shares a 200. One of the good things about those sorts of index funds is that you are technically you are technically invested in the top companies there, and these are in these are funds that follow or track an industry. So with the S and P 500, it tracks the S and P 500 index, and the investment committee within the index there, they actually meet every quarter, and they make sure the companies within that index actually meet the criteria to be in the S and P 500.\n\nIf those companies or if some of the companies in that no longer meet the criteria, they are removed out of the index, and then other companies are moved in that do meet the criteria. So you can sort of show you always invest in the top companies there. Companies that don't meet that criteria are removed out and, you know, other ones are replaced. And the same thing happens with the a 200. It's about being invested in the top 200 companies at all times.\n\nAnd when companies no longer meet the criteria to be in that industry, then they are removed out and other companies are replaced there. So it is a good way to be invested, making sure you're always following the top companies in those industries. You've also got some physical gold in here as well, and gold is more of as well as a growth asset, it also works defensively. And for the last twelve months, gold has done really, really well, and that has kinda had a really good effect on your portfolio. So at the moment, the return just for gold shows that in your portfolio, you are up by 24.8%.\n\nThe gold has had a really good effect on your portfolio this year, and it has sorta helped to keep to keep the negative return a little bit minimized. Does that make sense? Yeah. Yeah. Who knows?\n\nHonestly, who knows? We I remember in February, there was that one day when we did see it was between 11 to 18% dip in one day, so we did see a huge drop. But gold is still really heavily sought after, both as I mean, I love gold as a female, but then it's also a great investment. And with the volatility we are still seeing at the moment, there is still a a big ask for gold that has still been seen good growth there as well. So, you know, it is definitely still needed, still wanted.\n\nAnd whilst it may have a dip coming, we don't know. It's it's definitely worth keeping your portfolio. I've got a lot of clients who have wanted to have a bit more in the way of commodities at the moment, especially some of my older clients that are closest for retirement. Just wanted to have a little bit of extra commodities, a bit of that gold and silver and things like that. So your gold has done really, really well and has had a benefit for your portfolio to helping minimize that that drop that you're seeing at the moment.\n\nYeah. That's okay. Has that helped? Is it giving you a bit more clarity? Did you wanna ask anything further?\n\nYou're welcome to ask more questions or have me clarify anything further for you. Yeah. Excellent. Excellent. Would you like us to maybe set up so we can do maybe a catch up with you in did you want maybe three months, six months, or how long before you would want maybe another catch up for you?\n\nI'd love to make sure that we're doing additional catch ups with you. Yep. Yep. Absolutely. Beautiful.\n\nWhat I you're you know what? We need to have him on our on our call list. We need to get him on our radar so we can just get him to, you know, man help maneuver markets when we need them to. Absolutely. No.\n\nThat's all good, honestly. It look. It's as I'd never wanna sort of provide any I never wanna lie to you. I wanna be honest. Your portfolio has shown it is down a little bit, but we do wanna obviously keep it tracking and do a bit of more of a catch up with you to sort of see if the next three months can provide a bit more of a recovery or how things do move since we've moved and changed that van along out of there.\n\nThat as I said, that was one of the things that kind of made a bit of a a difference to your portfolio over the last few months as well as what's happening with the markets generally. But now that we've moved that investment out of there, it was underperforming. We've gotten rid of it for you. We've put that a 200 in there. We'll just sort of see how that tracks and see what happens over the next few months there.\n\nDid you wanna maybe look at reducing your risk level, or did you want us to sort of stay in this portfolio for the next twelve months knowing that it is high growth that you are taking on a little bit more risk in the market? How do you sort of feel about that? Yep. Yep. Yep.\n\nWe can do that. Yep. Yep. Yep. Absolutely.\n\nWe can definitely look at doing that for you. I just have two more questions to ask with regard to this one here. The last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Has there ever been something you've done or thought about doing? Nope.\n\nThat's okay. Beautiful. Having a look at your didn't. Yeah. That's okay.\n\nAnd having a look at your circumstances, you're not you're renting at the moment. Is that right? Yep. That's okay. Have you ever owned a home or ever wanted to, or is that kind of a a goal you maybe have moving forward to buy a property or investment property, or was that not sort of yep.\n\nYep. That's okay. Not a problem at all. Beautiful. And the last one here is sorry.\n\nThe last one here is looking at kind of the average return that we're looking to achieve. Are you sort of wanting to try and get the best returns you possibly can out of your portfolio, or you sort of happy to, you know, understand looking for sort of a set average rate of return. What's your sort of thought there? So that's yeah. Beautiful.\n\nBeautiful. Yeah. Yeah. Absolutely. Perfect.\n\nExcellent. Now looking at that one that you have scored as a growth investor. So with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest. With regards to the high growth portfolio that you're kind of looking at and are in at the moment, you generally sort of expect a negative return sort of one in every five years. And you're sort of looking to try and get an average rate of return of about 8% eight to 10%.\n\nSo anything under that 8% is a bit more of an underperformance or a lower rate of return for the year. Anything over that 10% is kind of, you know, over performance, and you've done exceptionally well. What we can sort of maybe look at doing if you would like to is maybe just adjust the risk level a little bit. So you're dropping it by about 10%. It's sort of starting to reduce it in increments.\n\nIt drops you down to the growth portfolio, which generally sees about 80% in those growth investments. We're not having to change the whole portfolio. We can try and do it so it minimizes the changes as much as possible, minimizes the CGT consequences in your portfolio, and just reduce those growth assets down to about 10 five sorry, to 80%, so dropping it down by 10% there, and then increase those defensive investments by about 20 220%. So it's by about 10% alteration there. The expected average return you're sort of looking at with the growth portfolio is about seven to 9%.\n\nSo you're not sort of having a huge change. It's kinda dropping it down just a little bit. Does that feel sort of where your comfort level might be, or did you want to sort of see a bigger change to your portfolio and the risk level? What's your thought? Yeah.\n\nYeah. Yep. Yeah. Absolutely. Yep.\n\nThat's that's just dropping it down one extra. Yeah. Absolutely. It's it's a bit up in there at the moment. Who knows what's gonna happen?\n\nYou kinda get some news coming out of The US, and everyone kinda goes, yay. It looks like it might all be over soon, and then all of a sudden, something happens tomorrow. Trump has a bit of a spat on social media. You know, he swears at somebody, and then it all kinda drops again. So who knows who knows what's gonna happen?\n\nBut that seventy thirty sort of split is dropping it down to the balanced growth environment there. We're sort of averaging to try and obtain a six to 8% return there. You've got about 70% in those growth investments. You're increasing the defensive lower risk investments to 30%. And the likelihood of well, it really depends, and it's important it's important to note that without ongoing service fee, it is a percentage based fee as well.\n\nSo it's 1.65% per annum, but it is in line with what's happening in your portfolio. So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it. So our fee is relative and linked to what your portfolio is doing. When the portfolio is higher, our fee is gonna be higher. What if portfolio is taking a bit of a dip due to what's happening externally, then our fee will take a bit of a dip there with it.\n\nSo it is very much relative to what's happening. No. Correct. Correct. And yeah.\n\nNo. That's okay. With the insurance yeah. Well, thank you. Yeah.\n\nWell, with the with the insurance that you do have at the moment, obviously, it's quite high. Did you wanna look at maybe, you know, reducing or reevaluating the insurance? I know with TPD, you have that ADL definition, which is a bit harder to claim, and I wouldn't wanna sort of remove that completely. But you've got a sum insured here at the moment of $687,003.03 4. In the event that you were to pass away, your life insurance is paid up, but so is your super balance.\n\nDid you wanna look at maybe reducing the level of cover you have to see if that can gen does generally also reduce the premiums as well, or do you feel like that level of cover you have is what you need? Yes. Yeah. Yep. That's okay.\n\nWe can leave it as it is. We can I can go back and just have a look at the balanced growth portfolio, have a look at, you know, what it is doing, have a look at how we maybe adjust that? We do have a couple of different options. So we do have just maybe maneuvering and readjusting the current portfolio you're in. I could also look at other portfolios to see if maybe they've got, you know, investors that have been working a little bit harder, maybe move it up to one of the newer balance growth portfolios, I'll look at the CGT consequences for you and have a bit of a look at all the factors and see what we've got what we're doing there.\n\nThe other thing we can look at is we've also recently set up our own investments and o f u investment option. It's called an estimate, so separately managed account. At the moment, when you look at your super, you can currently see all the different investment options that you have in there. So you've got you can see your physical gold. You can see the a 200, the cybersecurity, and the S and P 500.\n\nThe difference to this SMA product is that if you kind of move into that, when you look at your Netwealth account, all you would see is your balance and the SMA and what it where it where it's at at the moment. You wouldn't see all the underlying investment options. The benefit of this kinda SMA product is that by by if you chose to go into it, if it works well for you, The underlying there are kinda controlled by our investment committee, and we've actually built that in line or in coordination with BlackRock. So BlackRock are one of Australia's largest investment firms, and we utilize their investment committee, their research houses, their analysts to build this sort of SMA product. Within the SMA, we can have anywhere from, say, five to 20 to 50 different investment options, but it allows us to be able to make make changes to the investments without having to update the advice for you.\n\nSo as a really good example, with the SMA, last week, we were able to meet with the investment committee. Sorry. That was two weeks ago. I apologize. We were able to meet with the investment committee and the BlackRock investment team.\n\nBecause of what's been happening globally, they actually made some changes to their estimate products. They checked took out some investments, reduced exposure into some investments, added some in, and increased exposure to different areas. They essentially, what they did to work out that was they had a look at what was happening globally, what was happening in that portfolio, and they had a look at the risk level and where they see or where the analysts see the market's moving to in the future. They then were able to make changes to that estimate. Absolutely.\n\nAbsolutely. It's the same as what we're doing with investments. The main difference is that we can make changes there without having to update advice without having to tell you that we're making changes. So your portfolio has always been evaluated and altered and rebalanced underneath without having to update the advice. It kind of means that we get a lot more control around making changes to the investments for you.\n\nYou lose a little bit of visibility on what you're invested in. We do get change reports and updated reports every time chain like, whenever changes are made, but it's not something everyone wants to do. I do have some clients who prefer to see those investments in this super and other clients who are happy to remove that visibility aspect, just see what their balance is, and hand over control of maneuvering investments to us without having to update advice. What's your sort of thoughts around that? Would you like me to look at that and see if it provides the benefit, or would you like to just sort of see your investments in your super?\n\nWhat's your sort of thought? Yep. Yep. Yep. Beautiful.\n\nHi, Ross. Can you hear me? Hello, Ross.","paragraphs":[{"sentences":[{"text":"Hi, Ross.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.11323649808764458},{"text":"It's Dana from Okie Financial.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.16691260039806366},{"text":"How are you this morning?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.2371506541967392},{"text":"I'm very well.","start":7.9199996,"end":8.88,"sentiment":"positive","sentiment_score":0.5721036394437155},{"text":"Thank you.","start":8.88,"end":9.36,"sentiment":"positive","sentiment_score":0.6460510492324829}],"sentiment":"neutral","sentiment_score":0.3091295462320833,"num_words":17,"start":2.6399999,"end":9.36},{"sentences":[{"text":"Thanks for asking.","start":9.36,"end":10.4,"sentiment":"positive","sentiment_score":0.6020964781443278},{"text":"We had you booked in this morning to go through your annual review.","start":10.559999,"end":13.2,"sentiment":"neutral","sentiment_score":0.2969996929168701},{"text":"Is now still a good time there for you?","start":13.2,"end":15.299999,"sentiment":"neutral","sentiment_score":0.27343031267325085},{"text":"Yep.","start":16.545,"end":17.025,"sentiment":"neutral","sentiment_score":0.27332815527915955},{"text":"Fantastic.","start":17.025,"end":17.525,"sentiment":"positive","sentiment_score":0.6488168239593506}],"sentiment":"positive","sentiment_score":0.3351964161351875,"num_words":27,"start":9.36,"end":17.525},{"sentences":[{"text":"Ross, just to sort of start with things, I just wanted to confirm.","start":18.705,"end":21.585,"sentiment":"neutral","sentiment_score":0.3126420917419287},{"text":"We obviously do record our calls for quality and training purposes.","start":21.585,"end":24.305,"sentiment":"neutral","sentiment_score":0.21559521826830777},{"text":"Are you happy for me to proceed with that moving forward?","start":24.305,"end":26.805,"sentiment":"positive","sentiment_score":0.3341741453517567},{"text":"Beautiful.","start":28.480001,"end":28.960001,"sentiment":"positive","sentiment_score":0.5071313977241516},{"text":"And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you.","start":28.960001,"end":34.0,"sentiment":"neutral","sentiment_score":0.1681129009179447}],"sentiment":"neutral","sentiment_score":0.24551759849665528,"num_words":59,"start":18.705,"end":34.0},{"sentences":[{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":34.0,"end":38.260002,"sentiment":"neutral","sentiment_score":0.10261514708399773},{"text":"Yep.","start":42.655,"end":43.155,"sentiment":"neutral","sentiment_score":0.01481280755251646},{"text":"Yep.","start":44.255,"end":44.655,"sentiment":"neutral","sentiment_score":0.07570072263479233},{"text":"Beautiful.","start":44.655,"end":45.135,"sentiment":"positive","sentiment_score":0.3701452314853668},{"text":"Thank you so much for that.","start":45.135,"end":46.675,"sentiment":"positive","sentiment_score":0.475902592142423}],"sentiment":"neutral","sentiment_score":0.185116457110592,"num_words":29,"start":34.0,"end":46.675},{"sentences":[{"text":"Russ, just to sort of jump into things, I wanted to sort of touch base and start with this.","start":47.055,"end":50.735,"sentiment":"neutral","sentiment_score":0.15663255790346547},{"text":"Sort of funny at, what are you sort of hoping to get out of today's review?","start":50.735,"end":54.36,"sentiment":"neutral","sentiment_score":0.006019302876666188},{"text":"Is there anything particular you wanted me to kinda touch base on for you?","start":54.36,"end":57.96,"sentiment":"neutral","sentiment_score":0.022853407875767777},{"text":"Or Yeah.","start":57.96,"end":68.235,"sentiment":"neutral","sentiment_score":0.0003880513831973067},{"text":"Perfect.","start":68.295006,"end":68.795006,"sentiment":"neutral","sentiment_score":0.05057577043771744}],"sentiment":"neutral","sentiment_score":0.06622359672418007,"num_words":52,"start":47.055,"end":68.795006},{"sentences":[{"text":"Yep.","start":69.495,"end":69.895004,"sentiment":"neutral","sentiment_score":-0.01956196129322052},{"text":"Absolutely.","start":69.895004,"end":70.395004,"sentiment":"neutral","sentiment_score":-0.10187740623950958},{"text":"No.","start":74.455,"end":74.855,"sentiment":"neutral","sentiment_score":-0.11616230010986328},{"text":"Understandable.","start":74.855,"end":75.355,"sentiment":"neutral","sentiment_score":-0.1105523332953453},{"text":"I did wanna do a quick review of your file beforehand.","start":75.655,"end":78.25,"sentiment":"neutral","sentiment_score":-0.06439078937877309}],"sentiment":"neutral","sentiment_score":-0.07043017894029617,"num_words":15,"start":69.495,"end":78.25},{"sentences":[{"text":"I understand you've got a bit of a spinal injury.","start":78.25,"end":80.729996,"sentiment":"neutral","sentiment_score":-0.12690028473734855},{"text":"Is that right?","start":80.729996,"end":81.63,"sentiment":"neutral","sentiment_score":-0.0593705823024114},{"text":"Yeah.","start":83.29,"end":83.79,"sentiment":"neutral","sentiment_score":-0.07105442881584167},{"text":"Okay.","start":88.49,"end":88.99,"sentiment":"neutral","sentiment_score":0.00450235977768898},{"text":"No worries at all.","start":89.13,"end":90.43,"sentiment":"neutral","sentiment_score":0.0012539103627204904}],"sentiment":"neutral","sentiment_score":-0.07940268536147319,"num_words":19,"start":78.25,"end":90.43},{"sentences":[{"text":"And the surgery obviously went well.","start":90.695,"end":92.615,"sentiment":"neutral","sentiment_score":0.13657093048095703},{"text":"Have they given you kind of any idea as to how long you might be off work for or whether you're able to go back to what you were doing?","start":92.615,"end":99.195,"sentiment":"neutral","sentiment_score":-0.03349537141621113},{"text":"Okay.","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":-0.04888299107551575},{"text":"Yep.","start":102.99,"end":103.49,"sentiment":"neutral","sentiment_score":-0.03352580592036247},{"text":"Okay.","start":111.39,"end":111.89,"sentiment":"neutral","sentiment_score":-0.09228932857513428}],"sentiment":"neutral","sentiment_score":-0.009234197055682158,"num_words":39,"start":90.695,"end":111.89},{"sentences":[{"text":"I'm so sorry.","start":112.189995,"end":113.09,"sentiment":"neutral","sentiment_score":-0.15168138345082602},{"text":"Wow.","start":114.67,"end":115.07,"sentiment":"neutral","sentiment_score":-0.05533533915877342},{"text":"And because having a look at things, you were a landscaper before your injury.","start":115.07,"end":119.165,"sentiment":"neutral","sentiment_score":0.011717354280075856},{"text":"Is that right?","start":119.165,"end":120.064995,"sentiment":"neutral","sentiment_score":0.01934879335264365},{"text":"Wow.","start":122.205,"end":122.705,"sentiment":"neutral","sentiment_score":0.05860377103090286}],"sentiment":"neutral","sentiment_score":-0.010440289931879803,"num_words":22,"start":112.189995,"end":122.705},{"sentences":[{"text":"Yeah.","start":124.284996,"end":124.784996,"sentiment":"neutral","sentiment_score":0.02699374035000801},{"text":"Wow.","start":126.045,"end":126.445,"sentiment":"neutral","sentiment_score":-0.002324223518371582},{"text":"I'm so sorry to hear that.","start":126.445,"end":127.98,"sentiment":"negative","sentiment_score":-0.427302082379659},{"text":"And so you're off work.","start":128.14,"end":129.34,"sentiment":"neutral","sentiment_score":-0.28313637971878053},{"text":"You're having to go back and sort of look at what you can possibly do.","start":129.34,"end":132.48001,"sentiment":"neutral","sentiment_score":-0.17016416390736896}],"sentiment":"neutral","sentiment_score":-0.23240311909466982,"num_words":28,"start":124.284996,"end":132.48001},{"sentences":[{"text":"Are you getting any assistance with reskilling or looking for other roles, or is that kind of something that's just pushed down the track for the time being, or where is that up to at the moment?","start":132.94,"end":142.08,"sentiment":"neutral","sentiment_score":-0.16389928365478645},{"text":"Yes, sir.","start":142.275,"end":147.495,"sentiment":"neutral","sentiment_score":-0.15947075001895428},{"text":"It's not the same.","start":150.435,"end":151.655,"sentiment":"negative","sentiment_score":-0.3853839561343193},{"text":"Oh, I'm so sorry.","start":152.515,"end":153.735,"sentiment":"neutral","sentiment_score":-0.25343065708875656},{"text":"Yeah.","start":155.25,"end":155.75,"sentiment":"neutral","sentiment_score":-0.09620556980371477}],"sentiment":"neutral","sentiment_score":-0.1882224795408547,"num_words":48,"start":132.94,"end":155.75},{"sentences":[{"text":"Oh, well, I'm very sorry to hear that.","start":156.20999,"end":158.15,"sentiment":"negative","sentiment_score":-0.4716227035969496},{"text":"Absolutely.","start":163.17,"end":163.67,"sentiment":"neutral","sentiment_score":-0.09020937979221344},{"text":"Yeah.","start":165.81,"end":166.31,"sentiment":"neutral","sentiment_score":-0.026812786236405373},{"text":"Yeah.","start":166.37,"end":166.68999,"sentiment":"neutral","sentiment_score":-0.02729778923094273},{"text":"No.","start":166.68999,"end":167.01,"sentiment":"neutral","sentiment_score":-0.12626603245735168}],"sentiment":"negative","sentiment_score":-0.3369639680410425,"num_words":12,"start":156.20999,"end":167.01},{"sentences":[{"text":"Absolutely.","start":167.01,"end":167.51,"sentiment":"neutral","sentiment_score":-0.011633485555648804},{"text":"Yeah.","start":170.855,"end":171.175,"sentiment":"neutral","sentiment_score":-0.015242673456668854},{"text":"And you were outside all the time and doing a lot more.","start":171.175,"end":174.215,"sentiment":"neutral","sentiment_score":-0.06667598461111386},{"text":"It's very different when you're in that office environment.","start":174.215,"end":176.475,"sentiment":"neutral","sentiment_score":-0.12755432228247324},{"text":"Absolutely.","start":176.615,"end":177.115,"sentiment":"neutral","sentiment_score":0.12643715739250183}],"sentiment":"neutral","sentiment_score":-0.07702248822897673,"num_words":24,"start":167.01,"end":177.115},{"sentences":[{"text":"Yep.","start":184.95,"end":185.45,"sentiment":"neutral","sentiment_score":0.07409007847309113},{"text":"Yep.","start":185.67,"end":186.17,"sentiment":"neutral","sentiment_score":0.04816227778792381},{"text":"Yeah.","start":191.27,"end":191.77,"sentiment":"neutral","sentiment_score":0.02247600443661213},{"text":"Absolutely.","start":193.605,"end":194.105,"sentiment":"neutral","sentiment_score":0.12721723318099976},{"text":"Well, I'm very sorry to hear that's what you're going through at the moment.","start":194.645,"end":197.125,"sentiment":"negative","sentiment_score":-0.33356797269412447}],"sentiment":"neutral","sentiment_score":-0.24433366799106201,"num_words":18,"start":184.95,"end":197.125},{"sentences":[{"text":"It can be very difficult, but I certainly do hope that something does come up for you soon.","start":197.125,"end":201.785,"sentiment":"neutral","sentiment_score":-0.08951540001564556},{"text":"I did have a bit of a look back, and I know we have sort of tried the claim on that TDD policy, but because of the definition that was offered, it's you didn't quite meet that definition.","start":202.165,"end":211.09999,"sentiment":"neutral","sentiment_score":-0.23378790179757694},{"text":"It was declined.","start":211.09999,"end":212.37999,"sentiment":"negative","sentiment_score":-0.5718099673589071},{"text":"I'm very sorry that it happened.","start":212.37999,"end":213.92,"sentiment":"negative","sentiment_score":-0.5325750162204107},{"text":"Did anyone sort of talk to you about the option of maybe trying to claim incapacity against this sofa?","start":214.45999,"end":220.4,"sentiment":"neutral","sentiment_score":-0.1412355805698194}],"sentiment":"neutral","sentiment_score":-0.21535206546208688,"num_words":84,"start":197.125,"end":220.4},{"sentences":[{"text":"Is that something that anyone sort of had to check to you about previously?","start":220.54,"end":226.215,"sentiment":"neutral","sentiment_score":-0.11002062633633614},{"text":"Yeah.","start":226.675,"end":227.075,"sentiment":"neutral","sentiment_score":-0.024605657905340195},{"text":"So we can depending you're right.","start":227.075,"end":229.895,"sentiment":"neutral","sentiment_score":-0.08542311750352383},{"text":"Don't need to.","start":231.475,"end":232.115,"sentiment":"neutral","sentiment_score":-0.13188623388608298},{"text":"No.","start":232.115,"end":232.355,"sentiment":"neutral","sentiment_score":-0.10582753270864488}],"sentiment":"neutral","sentiment_score":-0.10315677464008331,"num_words":25,"start":220.54,"end":232.355},{"sentences":[{"text":"That's okay.","start":232.355,"end":232.91501,"sentiment":"neutral","sentiment_score":0.001697370782494545},{"text":"Not a problem at all.","start":232.91501,"end":234.215,"sentiment":"neutral","sentiment_score":-0.13212634325027467},{"text":"Yep.","start":236.61,"end":237.11,"sentiment":"neutral","sentiment_score":0.0632162019610405},{"text":"No.","start":241.17,"end":241.49,"sentiment":"neutral","sentiment_score":-0.19254326820373535},{"text":"That's understandable.","start":241.49,"end":242.39,"sentiment":"neutral","sentiment_score":-0.1645597666501999}],"sentiment":"neutral","sentiment_score":-0.10142577947540717,"num_words":11,"start":232.355,"end":242.39},{"sentences":[{"text":"It is always an option if you wanted to down the track.","start":242.93001,"end":245.25,"sentiment":"neutral","sentiment_score":-0.09213074172536533},{"text":"Now having a look at things, you are still very young, so I'm pretty sure your doctor is trying to find ways to get you back to work.","start":245.25,"end":252.035,"sentiment":"neutral","sentiment_score":-0.13380473160317966},{"text":"But if you did need to in the future, we can claim a permanent incapacity against your super.","start":252.815,"end":258.835,"sentiment":"neutral","sentiment_score":-0.21764364052149984},{"text":"Essentially, it is sort of similar to claiming PPD against TPD covers that we would need to get doctor's reports.","start":259.45502,"end":265.53,"sentiment":"neutral","sentiment_score":-0.12497155480086804},{"text":"We need to be able to prove you can't go back to any occupation for which you're trained eligible or have worked.","start":265.91,"end":271.27,"sentiment":"neutral","sentiment_score":-0.1604108326137066}],"sentiment":"neutral","sentiment_score":-0.14798156328499318,"num_words":100,"start":242.93001,"end":271.27},{"sentences":[{"text":"So it is kind of an any occupation definition, and it is a very broad definition.","start":271.27,"end":275.59,"sentiment":"neutral","sentiment_score":-0.09912322834134102},{"text":"So it is very hard to claim on, but it is something if you wanted to down the track, we can help you with.","start":275.59,"end":281.63498,"sentiment":"neutral","sentiment_score":0.07011563098058105},{"text":"I do apologize.","start":281.69498,"end":282.51498,"sentiment":"neutral","sentiment_score":-0.042155198752880096},{"text":"It's not something that someone sort of possibly brought up in the past, but that is an option down the track that we could always try to claim on that.","start":282.57498,"end":290.675,"sentiment":"neutral","sentiment_score":-0.056472665071487425},{"text":"I do have to let you know that there are taxation rules around us.","start":291.24002,"end":294.6,"sentiment":"neutral","sentiment_score":-0.06230426526495388}],"sentiment":"neutral","sentiment_score":-0.029840250253334814,"num_words":87,"start":271.27,"end":294.6},{"sentences":[{"text":"So if a claim was made on your super and you decided to take it all as a lump sum, it does you are taxed up to 22% because you're under the age of 60.","start":294.6,"end":304.12,"sentiment":"neutral","sentiment_score":-0.07396508838449206},{"text":"So there are taxes involved.","start":304.12,"end":305.66,"sentiment":"neutral","sentiment_score":-0.14483881890773773},{"text":"But if it's something you wanna do down the track, have a chat with myself or one of the advisers here.","start":306.035,"end":310.775,"sentiment":"neutral","sentiment_score":0.09151208453944751},{"text":"We can help with the claim to assist you and try to get it through.","start":310.915,"end":314.375,"sentiment":"neutral","sentiment_score":0.31449991663297017},{"text":"But we can also provide advice on how to try and limit or minimize the tax consequences for doing so as well.","start":315.235,"end":321.65,"sentiment":"neutral","sentiment_score":0.17145381326025183}],"sentiment":"neutral","sentiment_score":0.07243126763829164,"num_words":98,"start":294.6,"end":321.65},{"sentences":[{"text":"Okay?","start":321.79,"end":322.29,"sentiment":"neutral","sentiment_score":0.024398360401391983},{"text":"All good.","start":324.27,"end":325.25,"sentiment":"neutral","sentiment_score":-0.11631523817777634},{"text":"No.","start":326.59,"end":326.91,"sentiment":"neutral","sentiment_score":-0.10853120684623718},{"text":"That's okay.","start":326.91,"end":327.73,"sentiment":"neutral","sentiment_score":0.02694626059383154},{"text":"Yeah.","start":328.03,"end":328.35,"sentiment":"neutral","sentiment_score":0.16155311465263367}],"sentiment":"neutral","sentiment_score":-0.014473955280014448,"num_words":7,"start":321.79,"end":328.35},{"sentences":[{"text":"Absolutely.","start":328.35,"end":328.85,"sentiment":"positive","sentiment_score":0.34544137120246887},{"text":"Not a problem at all.","start":329.15,"end":330.495,"sentiment":"positive","sentiment_score":0.3355186879634857},{"text":"Now I've just also logged in to your super because your main question was how's your super doing.","start":330.735,"end":334.655,"sentiment":"neutral","sentiment_score":0.17036178211371103},{"text":"So having a look at things at the moment here, I'm just having a look at the transaction report as well.","start":334.655,"end":340.755,"sentiment":"neutral","sentiment_score":0.09792510207210268},{"text":"But your balance in the super account at the moment is showing $63,021.98.","start":340.895,"end":348.32,"sentiment":"neutral","sentiment_score":0.04474340293269891}],"sentiment":"neutral","sentiment_score":0.13323514259837824,"num_words":58,"start":328.35,"end":348.32},{"sentences":[{"text":"Just quickly pulling up a report.","start":348.86002,"end":350.94,"sentiment":"neutral","sentiment_score":0.011309086345136166},{"text":"I do apologize.","start":350.94,"end":351.76,"sentiment":"neutral","sentiment_score":-0.04924707052608331},{"text":"It takes a second.","start":351.82,"end":352.80002,"sentiment":"neutral","sentiment_score":-0.05882367771118879},{"text":"Here we go.","start":356.62,"end":357.6,"sentiment":"neutral","sentiment_score":-0.010923498931030432},{"text":"Yeah.","start":359.80502,"end":360.125,"sentiment":"neutral","sentiment_score":0.02228206023573875}],"sentiment":"neutral","sentiment_score":-0.019157049465267098,"num_words":17,"start":348.86002,"end":360.125},{"sentences":[{"text":"You're right.","start":360.125,"end":360.92502,"sentiment":"neutral","sentiment_score":0.0464406106621027},{"text":"So at the same point last year, we had a balance of Sorry.","start":360.92502,"end":373.02,"sentiment":"neutral","sentiment_score":-0.016750451034078233},{"text":"Just taking a second to build.","start":373.02,"end":375.19998,"sentiment":"neutral","sentiment_score":-0.07054712995886803},{"text":"Might be a moment.","start":382.875,"end":383.67502,"sentiment":"neutral","sentiment_score":-0.04992161504924297},{"text":"So sorry.","start":383.67502,"end":383.995,"sentiment":"neutral","sentiment_score":-0.11257293075323105}],"sentiment":"neutral","sentiment_score":-0.03603665716946125,"num_words":27,"start":360.125,"end":383.995},{"sentences":[{"text":"My computer's a bit slow.","start":383.995,"end":385.035,"sentiment":"neutral","sentiment_score":-0.3196681261062622},{"text":"It's the first one of the day.","start":385.035,"end":386.575,"sentiment":"neutral","sentiment_score":-0.15400066865342005},{"text":"Okay.","start":387.195,"end":387.67502,"sentiment":"neutral","sentiment_score":-0.02125786431133747},{"text":"So when I'm looking at the the performance report for the last twelve months here, it is showing the balance as of last year was opening value showing 66,166.","start":387.67502,"end":403.77002,"sentiment":"neutral","sentiment_score":0.0005534354211955235},{"text":"So it is down a little bit on where you were this time last year.","start":404.15002,"end":409.45,"sentiment":"neutral","sentiment_score":-0.19969977339108785}],"sentiment":"neutral","sentiment_score":-0.09959737103628485,"num_words":57,"start":383.995,"end":409.45},{"sentences":[{"text":"So it is has gone backwards a little bit, but that is purely because of what's been sort of happening in the markets generally.","start":409.75,"end":415.915,"sentiment":"neutral","sentiment_score":-0.18650218285620213},{"text":"There has been a lot of volatility in ups and downs there.","start":415.975,"end":418.795,"sentiment":"neutral","sentiment_score":-0.16882844269275665},{"text":"With your investments as well, now you did originally also have in your investments that been along Australian equities.","start":419.73502,"end":427.85,"sentiment":"neutral","sentiment_score":0.004451735950026073},{"text":"Do you remember seeing an email come through with a record of advice in the last few months?","start":428.15,"end":434.17,"sentiment":"neutral","sentiment_score":-0.001418008313824733},{"text":"No.","start":436.71,"end":437.205,"sentiment":"neutral","sentiment_score":-0.16056527197360992}],"sentiment":"neutral","sentiment_score":-0.08923648837072826,"num_words":74,"start":409.75,"end":437.205},{"sentences":[{"text":"That's okay.","start":438.16498,"end":438.985,"sentiment":"neutral","sentiment_score":-0.028117211535573006},{"text":"So, obviously, with what's been happening in the markets generally and because, you know, portfolio hasn't really been getting any additional contributions and that we have seen a bit of volatility.","start":439.44498,"end":447.06497,"sentiment":"neutral","sentiment_score":-0.14660224282453138},{"text":"So your portfolio has kinda gone backwards there.","start":447.125,"end":449.76,"sentiment":"neutral","sentiment_score":-0.27372512221336365},{"text":"It is down about $3 from where you were this time last year.","start":449.84,"end":453.30002,"sentiment":"neutral","sentiment_score":-0.2127482696221425},{"text":"It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward.","start":454.08002,"end":466.775,"sentiment":"neutral","sentiment_score":-0.06283583060452123}],"sentiment":"neutral","sentiment_score":-0.12771264724433423,"num_words":95,"start":438.16498,"end":466.775},{"sentences":[{"text":"But you also have been along Australian equities in there, and we sent you a record of advice.","start":466.995,"end":471.075,"sentiment":"neutral","sentiment_score":-0.1057368754926655},{"text":"We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year.","start":471.075,"end":478.77,"sentiment":"negative","sentiment_score":-0.5010601682909603},{"text":"So we actually had that removed because that investment was no longer seen as a a positive investment.","start":479.56998,"end":485.25,"sentiment":"neutral","sentiment_score":-0.3024919240011109},{"text":"It was having more of a negative effect on your portfolio, and that's part of the reason it has been down for the last year as well.","start":485.25,"end":492.105,"sentiment":"negative","sentiment_score":-0.48711079359054565},{"text":"We have taken steps to remove that out there.","start":492.345,"end":494.665,"sentiment":"negative","sentiment_score":-0.33413733045260113}],"sentiment":"negative","sentiment_score":-0.3766147591321185,"num_words":101,"start":466.995,"end":494.665},{"sentences":[{"text":"So if you have a look at your emails, you will see that record of advice in there.","start":494.665,"end":498.58502,"sentiment":"neutral","sentiment_score":0.00548877939581871},{"text":"We've removed Bannalong out of there, and we've put you into the BetaShares a 200, which is more of a passively lower cost investment, which has not been underperforming as much as Bennelong has.","start":498.58502,"end":509.07,"sentiment":"neutral","sentiment_score":0.08123937817564343},{"text":"So moving forward here, we just wanna have that kind of help to boost your portfolio, hopefully have it come back and provide a bit more growth there as well.","start":509.07,"end":518.29004,"sentiment":"positive","sentiment_score":0.5523426055908203},{"text":"But I'm being really honest with you.","start":518.83496,"end":520.27496,"sentiment":"neutral","sentiment_score":0.01936547671045576},{"text":"Portfolio has been down a little bit for the last year.","start":520.27496,"end":523.33496,"sentiment":"neutral","sentiment_score":-0.2382881925864653}],"sentiment":"neutral","sentiment_score":0.16945603273343296,"num_words":100,"start":494.665,"end":523.33496},{"sentences":[{"text":"It is down solely because of what we're seeing, the volatility in the market at the moment with what's been happening both globally and within Australia.","start":523.635,"end":530.855,"sentiment":"neutral","sentiment_score":-0.25072162598371506},{"text":"So, globally, we all sort of hear about the Iran war and what's happening with The US and Iran and Europe as a whole.","start":531.64,"end":537.5,"sentiment":"neutral","sentiment_score":-0.14352379397799572},{"text":"But then in Australia, we also have because we still have good good sorry.","start":537.95996,"end":544.38,"sentiment":"neutral","sentiment_score":0.05429714811699731},{"text":"I'm looking for the word.","start":544.655,"end":545.795,"sentiment":"neutral","sentiment_score":0.019280649721622467},{"text":"The economy has been doing quite well with regard to employment, sorry, is the word I'm looking for.","start":546.495,"end":551.85504,"sentiment":"neutral","sentiment_score":0.061436916494535074}],"sentiment":"neutral","sentiment_score":-0.09196443117127337,"num_words":87,"start":523.635,"end":551.85504},{"sentences":[{"text":"So we do actually have very high inflation at the moment as well, which is kinda hitting us on a different side of things and has been affecting some of the bonds and fixed interest components that we're seeing at the moment.","start":551.85504,"end":561.82,"sentiment":"neutral","sentiment_score":-0.13326685520864667},{"text":"So you are down a little bit on this year.","start":561.82,"end":564.48,"sentiment":"neutral","sentiment_score":-0.1980522945523262},{"text":"It is showing still a positive return when we're looking at the growth there, but your balance is a bit lower from where you were this time last year, and that's kind of the reason for that.","start":564.7,"end":574.24,"sentiment":"neutral","sentiment_score":-0.12219701767773242},{"text":"What I would like to maybe do is have a bit of a look.","start":574.625,"end":577.745,"sentiment":"neutral","sentiment_score":0.08758566581777164},{"text":"You're in more of a high growth environment as well.","start":577.745,"end":580.305,"sentiment":"neutral","sentiment_score":0.20251722820103168}],"sentiment":"neutral","sentiment_score":-0.07829777800799471,"num_words":113,"start":551.85504,"end":580.305},{"sentences":[{"text":"Has anyone kinda talked to you about reevaluating the risk level that you're undertaking?","start":580.305,"end":585.125,"sentiment":"neutral","sentiment_score":0.00564913111572553},{"text":"Has anyone kinda done a a risk profile with you recently or on the last twelve months ago?","start":585.425,"end":590.38,"sentiment":"neutral","sentiment_score":0.005479554800937573},{"text":"Do you know?","start":590.38,"end":591.2,"sentiment":"neutral","sentiment_score":-0.01361333051075538},{"text":"No.","start":593.33997,"end":593.58,"sentiment":"neutral","sentiment_score":-0.15791673958301544},{"text":"That's okay.","start":593.58,"end":594.22,"sentiment":"neutral","sentiment_score":-0.019594458863139153}],"sentiment":"neutral","sentiment_score":-0.0015848901790664776,"num_words":38,"start":580.305,"end":594.22},{"sentences":[{"text":"So the other sort of thing you've got here is that you're in more of a high growth environment in your portfolio as well.","start":594.22,"end":599.26,"sentiment":"neutral","sentiment_score":0.09340013470500708},{"text":"And while taking on high growth is great when we're we've got twenty years of our time and however, you are taking a bit more risk in the market.","start":599.26,"end":607.045,"sentiment":"neutral","sentiment_score":-0.008703253520973798},{"text":"So it does mean when the market's performing really well, that the returns can be really great and really high.","start":607.045,"end":612.40497,"sentiment":"neutral","sentiment_score":0.1177456796169281},{"text":"However, when we see times of large volatility like what's been happening at the moment, it does mean that when your portfolio sees dips, those dips are magnified a bit more, and you do do see more of a downside.","start":612.40497,"end":625.39,"sentiment":"negative","sentiment_score":-0.37870291657745836},{"text":"And you can feel it a lot more as your balance increases as well.","start":625.93,"end":629.31,"sentiment":"neutral","sentiment_score":-0.32696137577295303}],"sentiment":"neutral","sentiment_score":-0.12111380669896997,"num_words":127,"start":594.22,"end":629.31},{"sentences":[{"text":"So I would maybe like to maybe talk to you about your risk profile.","start":630.01,"end":633.505,"sentiment":"neutral","sentiment_score":0.14058006608060428},{"text":"We maybe could look at reducing that risk a little bit in the market, which can also sort of help, but then doing a few more catch ups throughout the year as well, just checking to see how things are going and maybe, you know, look at how your portfolio is reacting, make sure we can see some sort of recovery moving forward.","start":633.885,"end":649.92,"sentiment":"neutral","sentiment_score":0.21731873069490706},{"text":"Okay?","start":650.3,"end":650.8,"sentiment":"neutral","sentiment_score":0.1357845813035965},{"text":"Yeah.","start":651.57996,"end":652.07996,"sentiment":"neutral","sentiment_score":0.08829188346862793},{"text":"Do you have any questions?","start":652.22,"end":653.5,"sentiment":"neutral","sentiment_score":0.08741374015808105}],"sentiment":"neutral","sentiment_score":0.19428983481512183,"num_words":84,"start":630.01,"end":653.5},{"sentences":[{"text":"I know I kinda go through a lot.","start":653.5,"end":655.36,"sentiment":"neutral","sentiment_score":0.04459432186558843},{"text":"Do you have any questions so far?","start":655.74,"end":657.26,"sentiment":"neutral","sentiment_score":0.06960348944578852},{"text":"Is there anything that you wanted to maybe touch a bit more on?","start":657.26,"end":660.14,"sentiment":"neutral","sentiment_score":0.032631298527121544},{"text":"Or yeah.","start":660.14,"end":671.875,"sentiment":"neutral","sentiment_score":0.029999688267707825},{"text":"That's okay.","start":671.875,"end":672.435,"sentiment":"neutral","sentiment_score":0.13211293518543243}],"sentiment":"neutral","sentiment_score":0.04976284777512774,"num_words":32,"start":653.5,"end":672.435},{"sentences":[{"text":"Let's go back and have a bit of a look for you.","start":672.435,"end":674.675,"sentiment":"neutral","sentiment_score":0.15702853972713152},{"text":"So I'll go back into the report section because I can generate reports for all different times and dates.","start":674.675,"end":682.65,"sentiment":"neutral","sentiment_score":0.11500538532671176},{"text":"So let's look at last year up until the end of the year as a calendar year, and then we can kinda see where you were tracking for that year for the full calendar year last year because it was kind of from January onwards that we've seen a lot of this volatility with what's been occurring.","start":682.87,"end":699.505,"sentiment":"neutral","sentiment_score":0.03403289491931597},{"text":"And that kinda gives you an idea for where you were tracking and how much of a positive return it was, and then you can sort of see the pullback for this year and the volatility there.","start":699.885,"end":708.69,"sentiment":"neutral","sentiment_score":0.32198592537158244},{"text":"Okay?","start":708.75,"end":709.25,"sentiment":"neutral","sentiment_score":0.0640561506152153}],"sentiment":"neutral","sentiment_score":0.14275281902934825,"num_words":126,"start":672.435,"end":709.25},{"sentences":[{"text":"So sorry.","start":710.58997,"end":711.87,"sentiment":"neutral","sentiment_score":-0.00291602686047554},{"text":"Won't be two seconds.","start":711.87,"end":712.83,"sentiment":"neutral","sentiment_score":-0.041024747770279646},{"text":"I just gotta generate the report.","start":712.83,"end":714.45,"sentiment":"neutral","sentiment_score":0.03238022529209653},{"text":"Beautiful.","start":716.525,"end":717.025,"sentiment":"positive","sentiment_score":0.48845720291137695},{"text":"So let's do custom.","start":720.045,"end":725.025,"sentiment":"neutral","sentiment_score":0.19032016769051552}],"sentiment":"neutral","sentiment_score":0.07494636356611462,"num_words":17,"start":710.58997,"end":725.025},{"sentences":[{"text":"Hard to believe it's already April this year, isn't it?","start":733.10004,"end":736.16003,"sentiment":"neutral","sentiment_score":-0.002443601004779339},{"text":"This year is flying by.","start":739.265,"end":741.025,"sentiment":"neutral","sentiment_score":0.1123717337846756},{"text":"I feel like the older I get, the more it flies by.","start":741.025,"end":743.685,"sentiment":"neutral","sentiment_score":0.005450836072365443},{"text":"There we go.","start":747.265,"end":748.165,"sentiment":"neutral","sentiment_score":0.047301544497410454},{"text":"Okay.","start":750.145,"end":750.645,"sentiment":"neutral","sentiment_score":0.05746661499142647}],"sentiment":"neutral","sentiment_score":0.025877546458955732,"num_words":31,"start":733.10004,"end":750.645},{"sentences":[{"text":"So I'm just generating the calendar year report for you now.","start":753.12,"end":756.08,"sentiment":"neutral","sentiment_score":0.07142800024964592},{"text":"Just take a second to generate that.","start":756.08,"end":757.76,"sentiment":"neutral","sentiment_score":0.06689979242427009},{"text":"This is looking from the December 1 January 1 year to the December 31 year.","start":757.76,"end":763.62,"sentiment":"neutral","sentiment_score":0.048411402851343155},{"text":"And that's showing here because you were also working for part of that point last year as well, weren't you?","start":764.205,"end":769.98505,"sentiment":"neutral","sentiment_score":0.06238024896010756},{"text":"No?","start":771.405,"end":771.905,"sentiment":"neutral","sentiment_score":-0.07173144817352295}],"sentiment":"neutral","sentiment_score":0.05844539117619947,"num_words":54,"start":753.12,"end":771.905},{"sentences":[{"text":"Not off work?","start":771.965,"end":773.025,"sentiment":"neutral","sentiment_score":-0.07610911130905151},{"text":"Okay.","start":774.685,"end":775.185,"sentiment":"neutral","sentiment_score":-0.03250350430607796},{"text":"So off for over twelve months now.","start":775.24506,"end":777.505,"sentiment":"neutral","sentiment_score":-0.04841733989971025},{"text":"Beautiful.","start":778.45,"end":778.95,"sentiment":"neutral","sentiment_score":0.1383076161146164},{"text":"Okay.","start":779.33,"end":779.83,"sentiment":"neutral","sentiment_score":0.009774096310138702}],"sentiment":"neutral","sentiment_score":-0.0347438850081884,"num_words":13,"start":771.965,"end":779.83},{"sentences":[{"text":"So Okay.","start":780.53,"end":792.405,"sentiment":"neutral","sentiment_score":-0.002213282510638237},{"text":"Yep.","start":793.265,"end":793.585,"sentiment":"neutral","sentiment_score":0.029375148937106133},{"text":"Yep.","start":793.585,"end":793.905,"sentiment":"neutral","sentiment_score":0.05983326584100723},{"text":"Perfect.","start":793.905,"end":794.405,"sentiment":"neutral","sentiment_score":0.15178419649600983},{"text":"Sorry.","start":801.75995,"end":802.07996,"sentiment":"neutral","sentiment_score":0.02578623965382576}],"sentiment":"neutral","sentiment_score":0.043725380984445415,"num_words":6,"start":780.53,"end":802.07996},{"sentences":[{"text":"It's just thinking.","start":802.07996,"end":802.88,"sentiment":"neutral","sentiment_score":0.006499837463100751},{"text":"It's loading.","start":802.88,"end":803.44,"sentiment":"neutral","sentiment_score":0.010802148375660181},{"text":"I've got that little spinning circle on my computer.","start":803.44,"end":806.01996,"sentiment":"neutral","sentiment_score":0.06923371139499876},{"text":"Love that.","start":806.16,"end":806.98,"sentiment":"positive","sentiment_score":0.47642362117767334},{"text":"I might actually look at our inception report as well for you because that'll kinda give you an idea of what's been happening over since you since you came on board originally.","start":809.6,"end":818.855,"sentiment":"neutral","sentiment_score":0.16943763615563512}],"sentiment":"neutral","sentiment_score":0.14664705856315172,"num_words":48,"start":802.07996,"end":818.855},{"sentences":[{"text":"It is sort of encompassing this year as well, so it may show a neg hopefully, it doesn't show a negative result, but the volatility we are seeing at the moment has been a bit up and down.","start":821.475,"end":832.0,"sentiment":"neutral","sentiment_score":-0.03514096819746651},{"text":"Here we go.","start":833.01996,"end":834.0,"sentiment":"neutral","sentiment_score":0.01544277494152387},{"text":"Okay.","start":834.77997,"end":835.27997,"sentiment":"neutral","sentiment_score":0.055834852159023285},{"text":"So the inception report was the quickest one to generate.","start":835.42,"end":837.89996,"sentiment":"neutral","sentiment_score":0.1272834323346615},{"text":"The other one's still loading for me, unfortunately.","start":837.89996,"end":839.68,"sentiment":"neutral","sentiment_score":-0.056387973949313164}],"sentiment":"neutral","sentiment_score":-0.006857718046133717,"num_words":60,"start":821.475,"end":839.68},{"sentences":[{"text":"But it does show that the net return since inception there.","start":840.7,"end":843.045,"sentiment":"neutral","sentiment_score":0.055776828730648216},{"text":"There.","start":843.20496,"end":843.365,"sentiment":"neutral","sentiment_score":0.05186904966831207},{"text":"So you came on board originally around about 2020 to 2026.","start":843.365,"end":847.125,"sentiment":"neutral","sentiment_score":0.07918217778205872},{"text":"So the return as a whole is about 3.87%.","start":847.125,"end":850.725,"sentiment":"neutral","sentiment_score":0.10713367743624581},{"text":"So it is a bit low for inception.","start":850.725,"end":852.425,"sentiment":"neutral","sentiment_score":-0.05005886638537049}],"sentiment":"neutral","sentiment_score":0.05250375717878342,"num_words":40,"start":840.7,"end":852.425},{"sentences":[{"text":"It looks like you were tracking pretty well last year, up sort of around about five to 6% for last year until that volatility kinda hit.","start":852.805,"end":861.27,"sentiment":"neutral","sentiment_score":0.1608543093674458},{"text":"So your portfolio has done quite well for the last twelve months.","start":861.27,"end":865.51,"sentiment":"positive","sentiment_score":0.43424542620778084},{"text":"We had been tracking higher, but then what sorta happened from January to now is kind of pulled it back a little bit.","start":865.51,"end":872.415,"sentiment":"neutral","sentiment_score":-0.24801212257665137},{"text":"And a lot of that is due to, you know, with where you are.","start":872.475,"end":875.115,"sentiment":"neutral","sentiment_score":-0.11186985644911017},{"text":"Obviously, contributions do make a bit of a difference in this paper.","start":875.115,"end":878.415,"sentiment":"neutral","sentiment_score":0.012201238617611429}],"sentiment":"neutral","sentiment_score":0.026081784044916945,"num_words":87,"start":852.805,"end":878.415},{"sentences":[{"text":"But with no contributions, you are kind of just hoping the portfolio holds its own.","start":878.875,"end":881.4617,"sentiment":"neutral","sentiment_score":-0.18146478434403737},{"text":"So when we see volatility, we are taking more risk in the market.","start":881.4617,"end":881.80835,"sentiment":"negative","sentiment_score":-0.3489194397742932},{"text":"We are gonna taking more risk in the market.","start":881.80835,"end":886.87994,"sentiment":"negative","sentiment_score":-0.37120481332143146},{"text":"We are gonna feel that volatility a lot more.","start":887.01996,"end":889.68,"sentiment":"negative","sentiment_score":-0.40516558951801723},{"text":"We tend to feel the dips a lot heavier than we do the the ups the ups out of the portfolio.","start":889.74,"end":894.56,"sentiment":"negative","sentiment_score":-0.41441781180245535}],"sentiment":"negative","sentiment_score":-0.3425079426213877,"num_words":67,"start":878.875,"end":894.56},{"sentences":[{"text":"So that's kind of where things are going at the moment.","start":895.42,"end":897.92,"sentiment":"neutral","sentiment_score":-0.1830171753059734},{"text":"We do.","start":897.98,"end":898.72,"sentiment":"neutral","sentiment_score":-0.033302824944257736},{"text":"There's no real idea on how long this is going to last.","start":899.315,"end":904.055,"sentiment":"negative","sentiment_score":-0.33581510186195374},{"text":"In the last sort of sorry.","start":904.435,"end":906.835,"sentiment":"neutral","sentiment_score":-0.23489419867595038},{"text":"In the last sort of two weeks, we have seen the market take a bit of a dip, but we've also seen some recovery points there.","start":906.835,"end":913.395,"sentiment":"neutral","sentiment_score":-0.10224072291300847}],"sentiment":"neutral","sentiment_score":-0.1785473647086244,"num_words":57,"start":895.42,"end":913.395},{"sentences":[{"text":"So with your portfolio, with that record of advice that had been sent out in the last couple of weeks to you, with removing that alone, you have then seen a little bit of a recovery point there.","start":913.395,"end":925.57996,"sentiment":"neutral","sentiment_score":0.0005997362497605776},{"text":"So you're still down by about $3 on where you were last this time last year.","start":925.57996,"end":930.695,"sentiment":"neutral","sentiment_score":-0.256161455065012},{"text":"However, we have seen a little bit of recovery points.","start":930.91504,"end":933.395,"sentiment":"neutral","sentiment_score":0.18287061899900436},{"text":"The market was up by just under a percent yesterday, and your portfolio the a 200 that we've replaced it with is currently also showing an increase of about 4% there for you.","start":933.395,"end":946.13,"sentiment":"neutral","sentiment_score":0.18195945701815866},{"text":"So what I would like to do is maybe not change anything in the portfolio at the moment.","start":946.13,"end":950.52997,"sentiment":"neutral","sentiment_score":-0.24354126842485535}],"sentiment":"neutral","sentiment_score":-0.005444937944412231,"num_words":115,"start":913.395,"end":950.52997},{"sentences":[{"text":"Let's give it maybe a little bit of time.","start":950.52997,"end":953.11,"sentiment":"neutral","sentiment_score":-0.004987024598651462},{"text":"Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to.","start":953.57,"end":964.915,"sentiment":"neutral","sentiment_score":0.04529914775720009},{"text":"What I would probably also like to look at doing is maybe readjusting your risk level.","start":964.97504,"end":969.28,"sentiment":"neutral","sentiment_score":-0.057506004348397255},{"text":"So maybe moving you out of that high growth environment because there's no contributions going in.","start":969.28,"end":974.18,"sentiment":"neutral","sentiment_score":-0.09130219416692853},{"text":"Adjusting that risk level, you can still see great returns with a lower risk portfolio, but you're sort of just, you know, limiting some of those higher risk investments.","start":974.56,"end":983.7,"sentiment":"neutral","sentiment_score":-0.026033731370136655}],"sentiment":"neutral","sentiment_score":-0.012973631604002157,"num_words":109,"start":950.52997,"end":983.7},{"sentences":[{"text":"So we're kind of hoping to have a little bit less of that volatility side of things.","start":983.84,"end":988.405,"sentiment":"neutral","sentiment_score":0.11581843258703456},{"text":"Does that sound fairly comfortable for where you're at, or what are your thoughts in relation to that now?","start":988.54504,"end":993.28503,"sentiment":"neutral","sentiment_score":0.17537724540421837},{"text":"You're right.","start":997.19995,"end":997.93994,"sentiment":"neutral","sentiment_score":-0.1632760465145111},{"text":"Yeah.","start":1000.63995,"end":1001.13995,"sentiment":"neutral","sentiment_score":-0.005472893826663494},{"text":"Yeah.","start":1005.6,"end":1006.0,"sentiment":"neutral","sentiment_score":0.002324439585208893}],"sentiment":"neutral","sentiment_score":0.1242845117347315,"num_words":40,"start":983.84,"end":1006.0},{"sentences":[{"text":"Of course.","start":1006.0,"end":1006.57996,"sentiment":"neutral","sentiment_score":0.021633340045809746},{"text":"Yeah.","start":1006.95996,"end":1007.45996,"sentiment":"neutral","sentiment_score":0.018097462132573128},{"text":"Yeah.","start":1008.72,"end":1009.22,"sentiment":"neutral","sentiment_score":0.07417137920856476},{"text":"Absolutely.","start":1009.815,"end":1010.315,"sentiment":"neutral","sentiment_score":0.12423021346330644},{"text":"So the insurances at the moment, you've got your life and TPD coming out of there.","start":1010.53503,"end":1015.03503,"sentiment":"neutral","sentiment_score":0.06537287915125489}],"sentiment":"neutral","sentiment_score":0.0621777048245782,"num_words":21,"start":1006.0,"end":1015.03503},{"sentences":[{"text":"They are showing a for this twelve months, the total cost there for the insurances that came out of super was $5,076.56.","start":1015.575,"end":1026.27,"sentiment":"neutral","sentiment_score":0.03828060652383349},{"text":"If I have a look here at the portfolio report that I've got just go back to that one.","start":1026.27,"end":1034.6901,"sentiment":"neutral","sentiment_score":0.025725764369494038},{"text":"Yeah.","start":1036.27,"end":1036.77,"sentiment":"neutral","sentiment_score":0.03176434338092804},{"text":"Yeah.","start":1036.91,"end":1037.31,"sentiment":"neutral","sentiment_score":0.03674832731485367},{"text":"It has covered.","start":1037.31,"end":1038.29,"sentiment":"neutral","sentiment_score":0.06450175493955612}],"sentiment":"neutral","sentiment_score":0.03463001743606899,"num_words":46,"start":1015.575,"end":1038.29},{"sentences":[{"text":"Yeah.","start":1039.015,"end":1039.175,"sentiment":"neutral","sentiment_score":0.15721642971038818},{"text":"It has definitely covered the cost of our fees because the return I give you is always net of fees.","start":1039.175,"end":1044.635,"sentiment":"neutral","sentiment_score":0.23637820109725},{"text":"So on the last twelve months there, the return after the cost of our fees for looking after the super and also after your insurance premiums have come out, you've still seen a a growth of $1,314.64 as a dollar figure.","start":1045.095,"end":1060.63,"sentiment":"positive","sentiment_score":0.35858554447569496},{"text":"So that is still showing a positive result.","start":1060.63,"end":1063.03,"sentiment":"positive","sentiment_score":0.6890870630741119},{"text":"It's just that the total portfolio was down because of you know, you you got a little bit less in there than you did this time last year.","start":1063.03,"end":1069.475,"sentiment":"neutral","sentiment_score":0.10896108858287334}],"sentiment":"neutral","sentiment_score":0.28724892612318603,"num_words":98,"start":1039.015,"end":1069.475},{"sentences":[{"text":"But you are still seeing income, so we're looking at dividends that are being paid out of the portfolio that gets put back into the cash account and reinvested into the investment portfolio for dividends and the compounding effect.","start":1069.475,"end":1081.89,"sentiment":"neutral","sentiment_score":0.23134581801983026},{"text":"And then you do see that additional growth there as well.","start":1082.61,"end":1085.01,"sentiment":"neutral","sentiment_score":0.20530214025215668},{"text":"The growth is kinda where it's all had that pullback.","start":1085.01,"end":1087.51,"sentiment":"neutral","sentiment_score":-0.09404764398932457},{"text":"You're still getting income.","start":1087.81,"end":1089.09,"sentiment":"neutral","sentiment_score":0.13174042105674744},{"text":"When I look at the income that's been coming out, the dividends that have been paid out of the the individual investments, it's still happening.","start":1089.09,"end":1096.335,"sentiment":"neutral","sentiment_score":0.31163466155529024}],"sentiment":"neutral","sentiment_score":0.2096422722332933,"num_words":89,"start":1069.475,"end":1096.335},{"sentences":[{"text":"It's still a positive result there.","start":1096.335,"end":1098.335,"sentiment":"positive","sentiment_score":0.5892418473958969},{"text":"The biggest thing is the growth component, which is the change in the investment prices.","start":1098.655,"end":1102.815,"sentiment":"neutral","sentiment_score":0.00022183656692504884},{"text":"So that's currently down at the moment, and that's where the pullback sort of thing.","start":1102.815,"end":1106.915,"sentiment":"neutral","sentiment_score":-0.18196280052264532},{"text":"It is expected.","start":1107.695,"end":1108.87,"sentiment":"neutral","sentiment_score":-0.09038790812095006},{"text":"It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it.","start":1108.87,"end":1114.5499,"sentiment":"neutral","sentiment_score":-0.2549614523138319}],"sentiment":"neutral","sentiment_score":-0.08026695996522903,"num_words":60,"start":1096.335,"end":1114.5499},{"sentences":[{"text":"We kind of have to wade through this time.","start":1114.5499,"end":1116.89,"sentiment":"neutral","sentiment_score":-0.20865062210294935},{"text":"But I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things.","start":1117.59,"end":1127.385,"sentiment":"positive","sentiment_score":0.3595437625559365},{"text":"I mean, with with regards to the high risk component, the portfolio you're in, you're welcome to stay in that portfolio if that's where you'd like to be.","start":1128.325,"end":1135.945,"sentiment":"neutral","sentiment_score":0.20797780555273807},{"text":"But with no contributions going into the super until you kind of are able to go back to work.","start":1136.51,"end":1142.45,"sentiment":"neutral","sentiment_score":-0.07649776163069825},{"text":"We are sort of hoping it's just making sure this the portfolio is working, and it's kind of only half the job.","start":1142.83,"end":1148.715,"sentiment":"neutral","sentiment_score":0.032109627119180834}],"sentiment":"neutral","sentiment_score":0.15075438274774983,"num_words":119,"start":1114.5499,"end":1148.715},{"sentences":[{"text":"It's sort of like getting in a car and sort of hoping that it drives on minimal fuel without putting fuel in on a regular basis.","start":1149.515,"end":1156.475,"sentiment":"neutral","sentiment_score":-0.1798817036816707},{"text":"You kinda end up, you know, running on fumes.","start":1156.475,"end":1159.375,"sentiment":"neutral","sentiment_score":-0.26403846012221444},{"text":"So portfolios will work.","start":1159.995,"end":1161.595,"sentiment":"neutral","sentiment_score":0.17196720838546753},{"text":"You do get income and dividends and growth and things, but you're not sort of getting it.","start":1161.595,"end":1166.16,"sentiment":"neutral","sentiment_score":0.12647616512635174},{"text":"It doesn't do the whole job.","start":1166.16,"end":1167.6799,"sentiment":"neutral","sentiment_score":-0.10271687184770902}],"sentiment":"neutral","sentiment_score":-0.07792916172935117,"num_words":62,"start":1149.515,"end":1167.6799},{"sentences":[{"text":"Contributions do make a bit of a difference.","start":1167.6799,"end":1169.6799,"sentiment":"neutral","sentiment_score":0.1547783361747861},{"text":"Putting money into the portfolio on a regular basis does definitely help with the compounding effect.","start":1169.6799,"end":1174.74,"sentiment":"positive","sentiment_score":0.553222393617034},{"text":"It allows you to take allows you to take the benefit from when the markets are in a dip like we have seen in the last few months, putting money in and taking advantage of the downtime in our portfolio.","start":1174.88,"end":1185.495,"sentiment":"neutral","sentiment_score":0.26318201832473276},{"text":"But it's completely understandable that you can't at the moment with everything that you've got going on, but it is with regards to where we are at the moment.","start":1186.035,"end":1194.65,"sentiment":"neutral","sentiment_score":-0.21250783472225585},{"text":"A selling investment is just cementing those losses and not sort of letting your portfolio have a chance to recover out.","start":1195.1901,"end":1201.29,"sentiment":"negative","sentiment_score":-0.4375952382882436}],"sentiment":"neutral","sentiment_score":0.0461827939408913,"num_words":114,"start":1167.6799,"end":1201.29},{"sentences":[{"text":"So we it is best to sort of hold and wait for the moment just to see where things are going, especially since this is, like, a market wide thing.","start":1201.99,"end":1209.345,"sentiment":"neutral","sentiment_score":-0.2640495295325915},{"text":"It's affecting everybody.","start":1209.345,"end":1210.565,"sentiment":"neutral","sentiment_score":-0.31228487690289813},{"text":"It's affecting retail funds, industry funds.","start":1210.865,"end":1213.105,"sentiment":"neutral","sentiment_score":-0.24929622809092203},{"text":"Everyone's portfolio performance is having a bit of a bit of a downtime at the moment with regard to what's going on.","start":1213.105,"end":1219.89,"sentiment":"negative","sentiment_score":-0.40408602356910706},{"text":"And yeah.","start":1220.85,"end":1221.73,"sentiment":"neutral","sentiment_score":-0.22031431645154953}],"sentiment":"neutral","sentiment_score":-0.31245458788341945,"num_words":63,"start":1201.99,"end":1221.73},{"sentences":[{"text":"So I would suggest sort of holding and waiting for the moment.","start":1221.73,"end":1224.53,"sentiment":"neutral","sentiment_score":-0.15284911108513674},{"text":"I'd love to maybe move you out of that high growth environment, maybe reduce your risk a little bit down.","start":1224.53,"end":1229.89,"sentiment":"positive","sentiment_score":0.37205570116639136},{"text":"But at the end of the day, it's gotta be what you're comfortable with as well.","start":1229.89,"end":1233.17,"sentiment":"neutral","sentiment_score":0.2501319767907262},{"text":"So what's your thoughts in relation to that?","start":1233.17,"end":1235.925,"sentiment":"neutral","sentiment_score":0.0644547757692635},{"text":"If you want me to break things down, you can you can let me know, Ross.","start":1239.185,"end":1242.305,"sentiment":"neutral","sentiment_score":0.04623211873695254}],"sentiment":"neutral","sentiment_score":0.15089428367921048,"num_words":72,"start":1221.73,"end":1242.305},{"sentences":[{"text":"That's fine.","start":1242.305,"end":1243.125,"sentiment":"neutral","sentiment_score":0.003391495905816554},{"text":"Yeah.","start":1251.04,"end":1251.4401,"sentiment":"neutral","sentiment_score":0.17277704179286957},{"text":"Yeah.","start":1251.4401,"end":1251.76,"sentiment":"neutral","sentiment_score":0.2763694226741791},{"text":"Perfect.","start":1251.76,"end":1252.26,"sentiment":"positive","sentiment_score":0.546696662902832},{"text":"Perfect.","start":1252.56,"end":1253.06,"sentiment":"positive","sentiment_score":0.5382957458496094}],"sentiment":"neutral","sentiment_score":0.2568203108385205,"num_words":6,"start":1242.305,"end":1253.06},{"sentences":[{"text":"Well, let's maybe run through those risk profile questionnaire.","start":1253.28,"end":1255.9401,"sentiment":"neutral","sentiment_score":0.17216948088672426},{"text":"Let's I'll ask you the questions.","start":1256.0,"end":1257.36,"sentiment":"neutral","sentiment_score":0.18050872534513474},{"text":"We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking.","start":1257.36,"end":1264.045,"sentiment":"neutral","sentiment_score":0.19355255636301907},{"text":"Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward.","start":1264.045,"end":1269.165,"sentiment":"neutral","sentiment_score":0.10119165262828271},{"text":"Does that sound okay?","start":1269.165,"end":1270.305,"sentiment":"neutral","sentiment_score":0.15255395509302616}],"sentiment":"neutral","sentiment_score":0.15276229851520978,"num_words":65,"start":1253.28,"end":1270.305},{"sentences":[{"text":"Yeah.","start":1271.5651,"end":1272.045,"sentiment":"neutral","sentiment_score":0.23340483009815216},{"text":"Fantastic.","start":1272.045,"end":1272.545,"sentiment":"positive","sentiment_score":0.5648288130760193},{"text":"The first one here is have you ever invested in any shares in your own name in the past?","start":1273.2799,"end":1277.6799,"sentiment":"neutral","sentiment_score":0.13453555577679685},{"text":"Have you ever had investments outside of super in your own name?","start":1277.6799,"end":1280.6599,"sentiment":"neutral","sentiment_score":0.04856463226800164},{"text":"Nope.","start":1282.5599,"end":1282.88,"sentiment":"neutral","sentiment_score":-0.08944889158010483}],"sentiment":"neutral","sentiment_score":0.11316870289909489,"num_words":34,"start":1271.5651,"end":1282.88},{"sentences":[{"text":"That's okay.","start":1282.88,"end":1283.7799,"sentiment":"neutral","sentiment_score":0.06945308297872543},{"text":"All good.","start":1283.84,"end":1284.6599,"sentiment":"positive","sentiment_score":0.5292341560125351},{"text":"Beautiful.","start":1285.775,"end":1286.275,"sentiment":"positive","sentiment_score":0.5317438244819641},{"text":"The next one here is what sort of time horizon you're looking at before accessing super.","start":1287.215,"end":1291.2949,"sentiment":"neutral","sentiment_score":0.023001303372438997},{"text":"So look at your age.","start":1291.2949,"end":1292.1749,"sentiment":"neutral","sentiment_score":-0.009494518116116523}],"sentiment":"neutral","sentiment_score":0.07883332945549718,"num_words":26,"start":1282.88,"end":1292.1749},{"sentences":[{"text":"You're still very young.","start":1292.1749,"end":1293.2949,"sentiment":"neutral","sentiment_score":-0.05859356001019478},{"text":"You can't technically access super to the age of 60 there, so I'll just take that first box there for you.","start":1293.2949,"end":1299.375,"sentiment":"neutral","sentiment_score":0.02537837482634045},{"text":"Okay?","start":1299.375,"end":1299.875,"sentiment":"neutral","sentiment_score":0.0856613889336586},{"text":"Perfect.","start":1301.42,"end":1301.92,"sentiment":"neutral","sentiment_score":0.32840126752853394},{"text":"Now the next one here is a really good in is a really good question in relation to what's happening at the moment.","start":1301.98,"end":1306.9401,"sentiment":"neutral","sentiment_score":0.03569519746562709}],"sentiment":"neutral","sentiment_score":0.03067247658967972,"num_words":50,"start":1292.1749,"end":1306.9401},{"sentences":[{"text":"So so it does say here that inflation means that things are getting more expensive over time, but inflation tends to devalue at the cost of our money.","start":1306.9401,"end":1316.5349,"sentiment":"neutral","sentiment_score":-0.19873309774058207},{"text":"So a $100 is is isn't worth a $100 next year.","start":1316.5349,"end":1319.4149,"sentiment":"neutral","sentiment_score":-0.3257180533625863},{"text":"It is devalued by inflationary risk.","start":1319.4149,"end":1323.2749,"sentiment":"neutral","sentiment_score":-0.2989194268981616},{"text":"So the question here is how much risk do you feel you're comfortable with in your super?","start":1323.335,"end":1328.3949,"sentiment":"neutral","sentiment_score":-0.06151604126481449},{"text":"How much risk do you feel comfortable taking with now in order to get greater long term results knowing that there is a lot of volatility in the shorter term like what we're seeing at the moment?","start":1328.63,"end":1338.25,"sentiment":"neutral","sentiment_score":-0.12078773351134481}],"sentiment":"neutral","sentiment_score":-0.1662208154195487,"num_words":99,"start":1306.9401,"end":1338.25},{"sentences":[{"text":"Do you think you're comfortable taking on more of a higher level of risk in order to get greater long term performance, but knowing there is a lot more volatility and you feel it greater in the shorter term?","start":1338.63,"end":1350.005,"sentiment":"neutral","sentiment_score":-0.058417223346156955},{"text":"Do you consider yourself to be maybe in a moderate or medium capacity where you'd be happy happy taking some risk, but maybe not a lot?","start":1350.005,"end":1358.01,"sentiment":"neutral","sentiment_score":0.059262354929859824},{"text":"Or do you feel comfortable taking no risk in the and getting lower returns?","start":1358.15,"end":1362.09,"sentiment":"neutral","sentiment_score":-0.026609742481793677},{"text":"How do you sort of feel that you fit I'm sorry.","start":1362.15,"end":1367.37,"sentiment":"neutral","sentiment_score":-0.00929975306445902},{"text":"Yep.","start":1374.9651,"end":1375.365,"sentiment":"neutral","sentiment_score":0.01651071198284626}],"sentiment":"neutral","sentiment_score":-0.013140367569176706,"num_words":91,"start":1338.63,"end":1375.365},{"sentences":[{"text":"Yep.","start":1375.365,"end":1375.865,"sentiment":"neutral","sentiment_score":0.030799325555562973},{"text":"Yeah.","start":1378.0851,"end":1378.5851,"sentiment":"neutral","sentiment_score":0.0036853067576885223},{"text":"Yep.","start":1383.9401,"end":1384.42,"sentiment":"neutral","sentiment_score":0.04089910537004471},{"text":"The cost.","start":1384.42,"end":1385.0801,"sentiment":"neutral","sentiment_score":0.03677626512944698},{"text":"Yep.","start":1387.38,"end":1387.88,"sentiment":"neutral","sentiment_score":0.04678325355052948}],"sentiment":"neutral","sentiment_score":0.032619920248786606,"num_words":6,"start":1375.365,"end":1387.88},{"sentences":[{"text":"Yep.","start":1392.595,"end":1393.095,"sentiment":"neutral","sentiment_score":0.08307203650474548},{"text":"Yep.","start":1393.235,"end":1393.735,"sentiment":"neutral","sentiment_score":0.15026891231536865},{"text":"Absolutely.","start":1393.875,"end":1394.375,"sentiment":"positive","sentiment_score":0.36019790172576904},{"text":"The next one here is about volatility, and it says, obviously, looking is super.","start":1395.875,"end":1399.475,"sentiment":"neutral","sentiment_score":-0.02486803994647094},{"text":"We do understand.","start":1399.475,"end":1400.355,"sentiment":"neutral","sentiment_score":-0.15046118448177973}],"sentiment":"neutral","sentiment_score":-0.010299863107502461,"num_words":20,"start":1392.595,"end":1400.355},{"sentences":[{"text":"And at the moment, you are showing a bit more of a negative result because you are a little bit back from where you were this time last year.","start":1400.355,"end":1406.615,"sentiment":"negative","sentiment_score":-0.4295848125013812},{"text":"So because you do have a good twenty odd years before accessing super at this point in time, do how does it feel when you sort of do find your super has taken a bit of a a pullback with what's happening in the markets generally?","start":1407.27,"end":1419.75,"sentiment":"neutral","sentiment_score":-0.2667974623972955},{"text":"Do you feel a bit more concerned?","start":1419.75,"end":1421.4501,"sentiment":"negative","sentiment_score":-0.3594949884074075},{"text":"Are you just sort of wanting to speak to us and find out what's happening?","start":1422.225,"end":1425.105,"sentiment":"neutral","sentiment_score":-0.26161761085192364},{"text":"Do you feel comfortable holding and waiting, or is it more making you giving you a bit of anxiety?","start":1425.105,"end":1429.845,"sentiment":"negative","sentiment_score":-0.3924790275724311}],"sentiment":"neutral","sentiment_score":-0.3330040813648495,"num_words":116,"start":1400.355,"end":1429.845},{"sentences":[{"text":"How do you sort of feel?","start":1429.905,"end":1431.445,"sentiment":"neutral","sentiment_score":-0.20064935088157654},{"text":"Yep.","start":1436.0,"end":1436.5,"sentiment":"neutral","sentiment_score":-0.11237376928329468},{"text":"Yeah.","start":1440.4,"end":1440.8,"sentiment":"neutral","sentiment_score":0.02946482226252556},{"text":"Absolutely.","start":1440.8,"end":1441.3,"sentiment":"neutral","sentiment_score":0.15012730658054352},{"text":"Absolutely.","start":1441.68,"end":1442.18,"sentiment":"neutral","sentiment_score":0.08086903393268585}],"sentiment":"neutral","sentiment_score":-0.1055808711796999,"num_words":10,"start":1429.905,"end":1442.18},{"sentences":[{"text":"Yeah.","start":1446.255,"end":1446.5751,"sentiment":"neutral","sentiment_score":-0.02207310125231743},{"text":"Yep.","start":1446.5751,"end":1446.8151,"sentiment":"neutral","sentiment_score":0.010463203303515913},{"text":"And that's a really good sort of point because that is that's exactly what we sort of don't wanna be doing.","start":1446.8151,"end":1451.615,"sentiment":"neutral","sentiment_score":-0.08818616381003744},{"text":"We don't wanna have to cement losses, but it's also a bit of a juggling guess because whilst you don't wanna cement losses while the market is having a bit of a pullback, you also don't wanna take on too much risk in the market than what you're comfortable doing.","start":1451.615,"end":1465.321,"sentiment":"neutral","sentiment_score":-0.19968696668744088},{"text":"So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking in order to get that long term recovery.","start":1465.321,"end":1476.5751,"sentiment":"neutral","sentiment_score":-0.02393183661624789}],"sentiment":"neutral","sentiment_score":-0.11331983307063316,"num_words":113,"start":1446.255,"end":1476.5751},{"sentences":[{"text":"Other times, if you're still comfortable being in that high growth environment for a little bit longer, you wanna sort of see if it can come out, we can always just hold and wait because realistically and there's a really great report that Vanguard did a few years back where they looked at, you know, the idea of staying in the market, participating in the market in index funds, and just waiting through those market ups and downs and staying invested through the downtimes and allowing the portfolio to come through recovery versus active managers who were trying to outperform the market and trying to pick when to buy in.","start":1477.355,"end":1512.535,"sentiment":"neutral","sentiment_score":0.2669216770340096},{"text":"And they sort of worked out that if you miss the best and worst days, depending on how much you had invested and the risk level that you were taking, they averaged it out that you could yeah.","start":1512.675,"end":1523.17,"sentiment":"neutral","sentiment_score":-0.10353476475728185},{"text":"They averaged that that you could be missing over the course of ten or twenty years about 20 to $50,000.","start":1523.17,"end":1528.63,"sentiment":"neutral","sentiment_score":-0.11032922230660916},{"text":"So, realistically, selling in the downtime is not preferable.","start":1529.025,"end":1532.9651,"sentiment":"neutral","sentiment_score":-0.29449571627709603},{"text":"However, it also so it also comes down to your comfort level as well.","start":1533.8251,"end":1538.0651,"sentiment":"neutral","sentiment_score":-0.13101169892719813}],"sentiment":"neutral","sentiment_score":0.09809347505422787,"num_words":191,"start":1477.355,"end":1538.0651},{"sentences":[{"text":"So I've got with our book here, I'd absolutely.","start":1538.0651,"end":1544.09,"sentiment":"neutral","sentiment_score":0.03244236401385731},{"text":"Hindsight's a beautiful thing.","start":1544.3899,"end":1546.1699,"sentiment":"neutral","sentiment_score":0.14633707609027624},{"text":"Absolutely.","start":1547.35,"end":1547.85,"sentiment":"neutral","sentiment_score":0.13003134727478027},{"text":"Absolutely.","start":1548.23,"end":1548.71,"sentiment":"neutral","sentiment_score":0.07579416781663895},{"text":"But in this scenario, you're also trying to time the market, and that's not something that we're able to do.","start":1548.71,"end":1553.2699,"sentiment":"neutral","sentiment_score":-0.2175576750189066}],"sentiment":"neutral","sentiment_score":-0.09337138299431119,"num_words":35,"start":1538.0651,"end":1553.2699},{"sentences":[{"text":"No one can time the market perfectly.","start":1553.2699,"end":1555.1299,"sentiment":"neutral","sentiment_score":-0.28190714546612333},{"text":"I can safely say, if I could, I wouldn't have a job.","start":1555.335,"end":1558.0549,"sentiment":"neutral","sentiment_score":-0.15883600215117136},{"text":"I'd be sitting on a yacht somewhere, time in the market and investing money.","start":1558.0549,"end":1561.735,"sentiment":"neutral","sentiment_score":-0.0629418431116002},{"text":"So, you know, it's not about sort of absolutely.","start":1561.735,"end":1566.075,"sentiment":"neutral","sentiment_score":0.053858906858497195},{"text":"Absolutely.","start":1567.335,"end":1567.835,"sentiment":"positive","sentiment_score":0.5836670994758606}],"sentiment":"neutral","sentiment_score":-0.08586443224272063,"num_words":43,"start":1553.2699,"end":1567.835},{"sentences":[{"text":"So there is a lot to say for being passively invested and just staying within the market here.","start":1570.26,"end":1574.8201,"sentiment":"positive","sentiment_score":0.40905220475461745},{"text":"And having a look at the investments that you're invested in between the a 200, you've got some physical gold, which is showing good positive returns to the year.","start":1574.8201,"end":1583.24,"sentiment":"positive","sentiment_score":0.5172327767158377},{"text":"You've got the S and P 500, some European exposures, some Japanese, and some cybersecurity in there.","start":1583.665,"end":1589.345,"sentiment":"neutral","sentiment_score":0.27734529621460857},{"text":"And those sorts of investments have all been around for a very long time, so they have seen those market ups and downs.","start":1589.345,"end":1595.43,"sentiment":"neutral","sentiment_score":-0.1226611104996308},{"text":"A lot of these investment options have been through downtimes like the GFC in the early two thousand eight, 2009 sort of period through COVID.","start":1595.51,"end":1604.63,"sentiment":"negative","sentiment_score":-0.35143803715705874}],"sentiment":"neutral","sentiment_score":0.13812860513904265,"num_words":112,"start":1570.26,"end":1604.63},{"sentences":[{"text":"And they've gone through those downtimes, seen more of a drop than what we've got at the moment, and still come back and shown recovery and grown and had growth from there.","start":1604.63,"end":1614.095,"sentiment":"neutral","sentiment_score":-0.2594564603641629},{"text":"So we definitely haven't put you in anything that is really speculative or not safe in any way, shape, or form.","start":1614.095,"end":1620.5149,"sentiment":"negative","sentiment_score":-0.3447273756776537},{"text":"All investors have a certain degree of risk, but all these investments have have seen a track record.","start":1620.975,"end":1626.5399,"sentiment":"neutral","sentiment_score":-0.193836421188381},{"text":"So I hate the word safe.","start":1626.5399,"end":1627.5,"sentiment":"neutral","sentiment_score":-0.23715687791506448},{"text":"I shouldn't have thrown that out there, but, essentially, it's a you know, these investments have seen the track record.","start":1627.5,"end":1632.5399,"sentiment":"neutral","sentiment_score":-0.11660085525363684}],"sentiment":"neutral","sentiment_score":-0.23490613994678272,"num_words":97,"start":1604.63,"end":1632.5399},{"sentences":[{"text":"They have been through downtime.","start":1632.5399,"end":1633.98,"sentiment":"neutral","sentiment_score":-0.20942382514476776},{"text":"They have seen really big huge drops in the market and being through those and come out the other side.","start":1633.98,"end":1639.9199,"sentiment":"neutral","sentiment_score":-0.33174448683857916},{"text":"The other sort of thing I do like is with the S and P 500 and the a 200, you're invested in the top 500 companies in The US or the top 200 companies in Australia with the beta shares a 200.","start":1640.415,"end":1651.7151,"sentiment":"neutral","sentiment_score":0.18928260799674762},{"text":"One of the good things about those sorts of index funds is that you are technically you are technically invested in the top companies there, and these are in these are funds that follow or track an industry.","start":1651.935,"end":1664.44,"sentiment":"neutral","sentiment_score":0.3196807907600152},{"text":"So with the S and P 500, it tracks the S and P 500 index, and the investment committee within the index there, they actually meet every quarter, and they make sure the companies within that index actually meet the criteria to be in the S and P 500.","start":1664.74,"end":1679.355,"sentiment":"neutral","sentiment_score":0.22405842765785602}],"sentiment":"neutral","sentiment_score":0.15191294595768506,"num_words":154,"start":1632.5399,"end":1679.355},{"sentences":[{"text":"If those companies or if some of the companies in that no longer meet the criteria, they are removed out of the index, and then other companies are moved in that do meet the criteria.","start":1679.655,"end":1689.14,"sentiment":"neutral","sentiment_score":-0.07952852930341447},{"text":"So you can sort of show you always invest in the top companies there.","start":1689.6,"end":1693.52,"sentiment":"neutral","sentiment_score":0.11110690555402211},{"text":"Companies that don't meet that criteria are removed out and, you know, other ones are replaced.","start":1693.52,"end":1698.2849,"sentiment":"neutral","sentiment_score":-0.02827882650308311},{"text":"And the same thing happens with the a 200.","start":1698.2849,"end":1700.2849,"sentiment":"neutral","sentiment_score":0.0950217346350352},{"text":"It's about being invested in the top 200 companies at all times.","start":1700.2849,"end":1704.865,"sentiment":"neutral","sentiment_score":0.14665607425073782}],"sentiment":"neutral","sentiment_score":0.010867505009437716,"num_words":86,"start":1679.655,"end":1704.865},{"sentences":[{"text":"And when companies no longer meet the criteria to be in that industry, then they are removed out and other companies are replaced there.","start":1705.005,"end":1713.1,"sentiment":"neutral","sentiment_score":0.0457581082979838},{"text":"So it is a good way to be invested, making sure you're always following the top companies in those industries.","start":1713.1,"end":1719.28,"sentiment":"positive","sentiment_score":0.5237662717700005},{"text":"You've also got some physical gold in here as well, and gold is more of as well as a growth asset, it also works defensively.","start":1719.98,"end":1726.0549,"sentiment":"positive","sentiment_score":0.4809855008125305},{"text":"And for the last twelve months, gold has done really, really well, and that has kinda had a really good effect on your portfolio.","start":1726.6749,"end":1733.495,"sentiment":"positive","sentiment_score":0.6778862463931242},{"text":"So at the moment, the return just for gold shows that in your portfolio, you are up by 24.8%.","start":1733.635,"end":1740.7749,"sentiment":"positive","sentiment_score":0.4366148882790616}],"sentiment":"positive","sentiment_score":0.4300277709428753,"num_words":112,"start":1705.005,"end":1740.7749},{"sentences":[{"text":"The gold has had a really good effect on your portfolio this year, and it has sorta helped to keep to keep the negative return a little bit minimized.","start":1740.89,"end":1749.9501,"sentiment":"neutral","sentiment_score":0.3232207904601919},{"text":"Does that make sense?","start":1750.0901,"end":1751.15,"sentiment":"neutral","sentiment_score":0.06636190135031939},{"text":"Yeah.","start":1752.81,"end":1753.31,"sentiment":"neutral","sentiment_score":0.003682645969092846},{"text":"Yeah.","start":1753.53,"end":1754.03,"sentiment":"neutral","sentiment_score":-0.04711228609085083},{"text":"Who knows?","start":1756.8151,"end":1757.635,"sentiment":"neutral","sentiment_score":-0.12073645740747452}],"sentiment":"neutral","sentiment_score":0.25280940469757124,"num_words":37,"start":1740.89,"end":1757.635},{"sentences":[{"text":"Honestly, who knows?","start":1758.175,"end":1759.7151,"sentiment":"neutral","sentiment_score":-0.08994006117184956},{"text":"We I remember in February, there was that one day when we did see it was between 11 to 18% dip in one day, so we did see a huge drop.","start":1759.935,"end":1767.24,"sentiment":"neutral","sentiment_score":-0.07012155375653698},{"text":"But gold is still really heavily sought after, both as I mean, I love gold as a female, but then it's also a great investment.","start":1768.04,"end":1776.54,"sentiment":"neutral","sentiment_score":0.21452884167432784},{"text":"And with the volatility we are still seeing at the moment, there is still a a big ask for gold that has still been seen good growth there as well.","start":1777.16,"end":1785.325,"sentiment":"neutral","sentiment_score":0.15040086731314659},{"text":"So, you know, it is definitely still needed, still wanted.","start":1785.325,"end":1790.705,"sentiment":"neutral","sentiment_score":0.21429488360881804}],"sentiment":"neutral","sentiment_score":0.09671320754921797,"num_words":99,"start":1758.175,"end":1790.705},{"sentences":[{"text":"And whilst it may have a dip coming, we don't know.","start":1791.245,"end":1794.225,"sentiment":"neutral","sentiment_score":-0.008866373110901226},{"text":"It's it's definitely worth keeping your portfolio.","start":1794.845,"end":1797.27,"sentiment":"neutral","sentiment_score":0.22260146694523947},{"text":"I've got a lot of clients who have wanted to have a bit more in the way of commodities at the moment, especially some of my older clients that are closest for retirement.","start":1797.27,"end":1804.97,"sentiment":"neutral","sentiment_score":0.1426453579104308},{"text":"Just wanted to have a little bit of extra commodities, a bit of that gold and silver and things like that.","start":1805.19,"end":1809.75,"sentiment":"neutral","sentiment_score":0.19738135664235978},{"text":"So your gold has done really, really well and has had a benefit for your portfolio to helping minimize that that drop that you're seeing at the moment.","start":1809.75,"end":1817.9651,"sentiment":"positive","sentiment_score":0.439912472186344}],"sentiment":"neutral","sentiment_score":0.22630534686148165,"num_words":100,"start":1791.245,"end":1817.9651},{"sentences":[{"text":"Yeah.","start":1818.265,"end":1818.765,"sentiment":"neutral","sentiment_score":0.12969419360160828},{"text":"That's okay.","start":1821.385,"end":1822.185,"sentiment":"neutral","sentiment_score":0.2528907358646393},{"text":"Has that helped?","start":1822.185,"end":1822.9851,"sentiment":"neutral","sentiment_score":0.2841360569000244},{"text":"Is it giving you a bit more clarity?","start":1822.9851,"end":1824.665,"sentiment":"neutral","sentiment_score":0.12811875250190496},{"text":"Did you wanna ask anything further?","start":1824.665,"end":1826.5,"sentiment":"neutral","sentiment_score":0.06751535770793755}],"sentiment":"neutral","sentiment_score":0.14589630011469126,"num_words":20,"start":1818.265,"end":1826.5},{"sentences":[{"text":"You're welcome to ask more questions or have me clarify anything further for you.","start":1826.5,"end":1831.56,"sentiment":"neutral","sentiment_score":0.1826111035687583},{"text":"Yeah.","start":1836.02,"end":1836.52,"sentiment":"neutral","sentiment_score":0.20971077680587769},{"text":"Excellent.","start":1838.115,"end":1838.615,"sentiment":"positive","sentiment_score":0.5042697787284851},{"text":"Excellent.","start":1838.675,"end":1839.075,"sentiment":"positive","sentiment_score":0.47368764877319336},{"text":"Would you like us to maybe set up so we can do maybe a catch up with you in did you want maybe three months, six months, or how long before you would want maybe another catch up for you?","start":1839.075,"end":1848.915,"sentiment":"neutral","sentiment_score":0.12729529272764922}],"sentiment":"neutral","sentiment_score":0.15501816426975684,"num_words":57,"start":1826.5,"end":1848.915},{"sentences":[{"text":"I'd love to make sure that we're doing additional catch ups with you.","start":1848.915,"end":1851.975,"sentiment":"neutral","sentiment_score":0.15721700627070206},{"text":"Yep.","start":1854.35,"end":1854.75,"sentiment":"neutral","sentiment_score":0.10504838079214096},{"text":"Yep.","start":1854.75,"end":1855.07,"sentiment":"neutral","sentiment_score":0.15886418521404266},{"text":"Absolutely.","start":1855.07,"end":1855.57,"sentiment":"positive","sentiment_score":0.4198946952819824},{"text":"Beautiful.","start":1856.11,"end":1856.61,"sentiment":"positive","sentiment_score":0.5103697776794434}],"sentiment":"neutral","sentiment_score":0.19047047767569036,"num_words":17,"start":1848.915,"end":1856.61},{"sentences":[{"text":"What I you're you know what?","start":1857.07,"end":1861.7899,"sentiment":"neutral","sentiment_score":0.09359736523280542},{"text":"We need to have him on our on our call list.","start":1861.7899,"end":1865.085,"sentiment":"neutral","sentiment_score":0.06427616388960318},{"text":"We need to get him on our radar so we can just get him to, you know, man help maneuver markets when we need them to.","start":1865.1649,"end":1871.265,"sentiment":"neutral","sentiment_score":0.07357868609520105},{"text":"Absolutely.","start":1874.765,"end":1875.265,"sentiment":"neutral","sentiment_score":0.06052185222506523},{"text":"No.","start":1877.4049,"end":1877.645,"sentiment":"neutral","sentiment_score":-0.009444762021303175}],"sentiment":"neutral","sentiment_score":0.07183877606358793,"num_words":45,"start":1857.07,"end":1877.645},{"sentences":[{"text":"That's all good, honestly.","start":1877.645,"end":1878.945,"sentiment":"neutral","sentiment_score":0.09232193697243929},{"text":"It look.","start":1879.78,"end":1880.108,"sentiment":"neutral","sentiment_score":0.10015489161014557},{"text":"It's as I'd never wanna sort of provide any I never wanna lie to you.","start":1880.108,"end":1884.98,"sentiment":"neutral","sentiment_score":-0.020535619060198466},{"text":"I wanna be honest.","start":1884.98,"end":1885.78,"sentiment":"neutral","sentiment_score":-0.008467104285955429},{"text":"Your portfolio has shown it is down a little bit, but we do wanna obviously keep it tracking and do a bit of more of a catch up with you to sort of see if the next three months can provide a bit more of a recovery or how things do move since we've moved and changed that van along out of there.","start":1885.78,"end":1901.235,"sentiment":"neutral","sentiment_score":0.017904343733948374}],"sentiment":"neutral","sentiment_score":0.015405323673886332,"num_words":88,"start":1877.645,"end":1901.235},{"sentences":[{"text":"That as I said, that was one of the things that kind of made a bit of a a difference to your portfolio over the last few months as well as what's happening with the markets generally.","start":1901.615,"end":1909.5549,"sentiment":"neutral","sentiment_score":0.03936809845067359},{"text":"But now that we've moved that investment out of there, it was underperforming.","start":1910.14,"end":1913.76,"sentiment":"neutral","sentiment_score":-0.23852669619596922},{"text":"We've gotten rid of it for you.","start":1913.98,"end":1915.6799,"sentiment":"neutral","sentiment_score":-0.19970822440726416},{"text":"We've put that a 200 in there.","start":1916.14,"end":1918.14,"sentiment":"neutral","sentiment_score":-0.06578650538410459},{"text":"We'll just sort of see how that tracks and see what happens over the next few months there.","start":1918.14,"end":1922.535,"sentiment":"neutral","sentiment_score":0.054112528864708215}],"sentiment":"neutral","sentiment_score":-0.03083737801033549,"num_words":82,"start":1901.615,"end":1922.535},{"sentences":[{"text":"Did you wanna maybe look at reducing your risk level, or did you want us to sort of stay in this portfolio for the next twelve months knowing that it is high growth that you are taking on a little bit more risk in the market?","start":1923.015,"end":1932.6951,"sentiment":"neutral","sentiment_score":-0.030950250185054283},{"text":"How do you sort of feel about that?","start":1932.6951,"end":1934.475,"sentiment":"neutral","sentiment_score":-0.049332757480442524},{"text":"Yep.","start":1937.8301,"end":1938.3301,"sentiment":"neutral","sentiment_score":0.012830404564738274},{"text":"Yep.","start":1940.2301,"end":1940.7301,"sentiment":"neutral","sentiment_score":0.01461156364530325},{"text":"Yep.","start":1943.27,"end":1943.77,"sentiment":"neutral","sentiment_score":0.01170803140848875}],"sentiment":"neutral","sentiment_score":-0.031214448574342225,"num_words":57,"start":1923.015,"end":1943.77},{"sentences":[{"text":"We can do that.","start":1943.99,"end":1945.05,"sentiment":"neutral","sentiment_score":-0.014769200701266527},{"text":"Yep.","start":1945.99,"end":1946.31,"sentiment":"neutral","sentiment_score":0.05657580494880676},{"text":"Yep.","start":1946.31,"end":1946.775,"sentiment":"neutral","sentiment_score":0.0287969708442688},{"text":"Yep.","start":1948.6951,"end":1949.1951,"sentiment":"neutral","sentiment_score":0.19902335107326508},{"text":"Absolutely.","start":1949.5751,"end":1950.0751,"sentiment":"positive","sentiment_score":0.5478119254112244}],"sentiment":"neutral","sentiment_score":0.09664140618406236,"num_words":8,"start":1943.99,"end":1950.0751},{"sentences":[{"text":"We can definitely look at doing that for you.","start":1950.615,"end":1952.875,"sentiment":"positive","sentiment_score":0.5805476440323724},{"text":"I just have two more questions to ask with regard to this one here.","start":1953.415,"end":1957.655,"sentiment":"neutral","sentiment_score":0.11064865440130234},{"text":"The last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds?","start":1957.655,"end":1963.11,"sentiment":"neutral","sentiment_score":0.03051454039371532},{"text":"Has there ever been something you've done or thought about doing?","start":1963.11,"end":1965.93,"sentiment":"neutral","sentiment_score":-0.00007495724342086099},{"text":"Nope.","start":1967.51,"end":1967.83,"sentiment":"neutral","sentiment_score":-0.10238523781299592}],"sentiment":"neutral","sentiment_score":0.12711438999093813,"num_words":58,"start":1950.615,"end":1967.83},{"sentences":[{"text":"That's okay.","start":1967.83,"end":1968.55,"sentiment":"neutral","sentiment_score":0.0253678010776639},{"text":"Beautiful.","start":1968.55,"end":1969.05,"sentiment":"positive","sentiment_score":0.48162034153938293},{"text":"Having a look at your didn't.","start":1969.91,"end":1973.6901,"sentiment":"neutral","sentiment_score":0.08810704930995901},{"text":"Yeah.","start":1978.295,"end":1978.695,"sentiment":"neutral","sentiment_score":0.01624210923910141},{"text":"That's okay.","start":1978.695,"end":1979.595,"sentiment":"neutral","sentiment_score":0.03901781886816025}],"sentiment":"neutral","sentiment_score":0.09627299887749056,"num_words":12,"start":1967.83,"end":1979.595},{"sentences":[{"text":"And having a look at your circumstances, you're not you're renting at the moment.","start":1980.375,"end":1985.495,"sentiment":"neutral","sentiment_score":-0.02898279657321317},{"text":"Is that right?","start":1985.495,"end":1986.395,"sentiment":"neutral","sentiment_score":-0.0021587604035933814},{"text":"Yep.","start":1987.75,"end":1988.07,"sentiment":"neutral","sentiment_score":0.021067222580313683},{"text":"That's okay.","start":1988.07,"end":1988.55,"sentiment":"neutral","sentiment_score":0.049424685537815094},{"text":"Have you ever owned a home or ever wanted to, or is that kind of a a goal you maybe have moving forward to buy a property or investment property, or was that not sort of yep.","start":1988.55,"end":2001.285,"sentiment":"neutral","sentiment_score":-0.006079272518085467}],"sentiment":"neutral","sentiment_score":-0.009074595135947069,"num_words":57,"start":1980.375,"end":2001.285},{"sentences":[{"text":"Yep.","start":2001.285,"end":2001.605,"sentiment":"neutral","sentiment_score":0.07968473434448242},{"text":"That's okay.","start":2001.605,"end":2002.405,"sentiment":"neutral","sentiment_score":0.17560017853975296},{"text":"Not a problem at all.","start":2002.405,"end":2003.7051,"sentiment":"neutral","sentiment_score":0.22615188956260682},{"text":"Beautiful.","start":2004.885,"end":2005.385,"sentiment":"positive","sentiment_score":0.5188238620758057},{"text":"And the last one here is sorry.","start":2006.165,"end":2009.785,"sentiment":"neutral","sentiment_score":0.044972096170697896}],"sentiment":"neutral","sentiment_score":0.14970456715673208,"num_words":16,"start":2001.285,"end":2009.785},{"sentences":[{"text":"The last one here is looking at kind of the average return that we're looking to achieve.","start":2010.98,"end":2014.26,"sentiment":"neutral","sentiment_score":-0.03388217529829811},{"text":"Are you sort of wanting to try and get the best returns you possibly can out of your portfolio, or you sort of happy to, you know, understand looking for sort of a set average rate of return.","start":2014.26,"end":2026.385,"sentiment":"neutral","sentiment_score":0.06228147437305827},{"text":"What's your sort of thought there?","start":2026.525,"end":2027.9851,"sentiment":"neutral","sentiment_score":-0.03689145215321332},{"text":"So that's yeah.","start":2032.3651,"end":2034.4751,"sentiment":"neutral","sentiment_score":0.027564389631152153},{"text":"Beautiful.","start":2036.94,"end":2037.44,"sentiment":"positive","sentiment_score":0.3520914316177368}],"sentiment":"neutral","sentiment_score":0.03083284513380092,"num_words":65,"start":2010.98,"end":2037.44},{"sentences":[{"text":"Beautiful.","start":2037.6599,"end":2038.1599,"sentiment":"neutral","sentiment_score":0.1789456158876419},{"text":"Yeah.","start":2039.82,"end":2040.32,"sentiment":"neutral","sentiment_score":0.021503964439034465},{"text":"Yeah.","start":2042.94,"end":2043.34,"sentiment":"neutral","sentiment_score":0.1431976854801178},{"text":"Absolutely.","start":2043.34,"end":2043.84,"sentiment":"positive","sentiment_score":0.5150462985038757},{"text":"Perfect.","start":2044.2999,"end":2044.7999,"sentiment":"positive","sentiment_score":0.6831045150756836}],"sentiment":"neutral","sentiment_score":0.3083596158772707,"num_words":5,"start":2037.6599,"end":2044.7999},{"sentences":[{"text":"Excellent.","start":2045.1799,"end":2045.6799,"sentiment":"positive","sentiment_score":0.6291589140892029},{"text":"Now looking at that one that you have scored as a growth investor.","start":2045.98,"end":2049.1199,"sentiment":"neutral","sentiment_score":0.11167353993425003},{"text":"So with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest.","start":2049.26,"end":2067.6099,"sentiment":"neutral","sentiment_score":0.03639976538917316},{"text":"With regards to the high growth portfolio that you're kind of looking at and are in at the moment, you generally sort of expect a negative return sort of one in every five years.","start":2068.15,"end":2079.465,"sentiment":"neutral","sentiment_score":-0.1414380509625463},{"text":"And you're sort of looking to try and get an average rate of return of about 8% eight to 10%.","start":2080.405,"end":2085.5251,"sentiment":"neutral","sentiment_score":-0.13089195378124713}],"sentiment":"neutral","sentiment_score":-0.026672830752607797,"num_words":124,"start":2045.1799,"end":2085.5251},{"sentences":[{"text":"So anything under that 8% is a bit more of an underperformance or a lower rate of return for the year.","start":2085.5251,"end":2090.62,"sentiment":"neutral","sentiment_score":-0.22852180295047306},{"text":"Anything over that 10% is kind of, you know, over performance, and you've done exceptionally well.","start":2090.62,"end":2096.16,"sentiment":"neutral","sentiment_score":-0.10388155397959054},{"text":"What we can sort of maybe look at doing if you would like to is maybe just adjust the risk level a little bit.","start":2096.46,"end":2101.74,"sentiment":"neutral","sentiment_score":-0.04971708248679837},{"text":"So you're dropping it by about 10%.","start":2101.74,"end":2103.68,"sentiment":"neutral","sentiment_score":-0.028847280756703446},{"text":"It's sort of starting to reduce it in increments.","start":2103.74,"end":2106.8552,"sentiment":"neutral","sentiment_score":-0.0473335517777337}],"sentiment":"neutral","sentiment_score":-0.10756111216380612,"num_words":77,"start":2085.5251,"end":2106.8552},{"sentences":[{"text":"It drops you down to the growth portfolio, which generally sees about 80% in those growth investments.","start":2107.7952,"end":2113.0952,"sentiment":"neutral","sentiment_score":0.04227434876648819},{"text":"We're not having to change the whole portfolio.","start":2113.875,"end":2116.135,"sentiment":"neutral","sentiment_score":0.021483393851667643},{"text":"We can try and do it so it minimizes the changes as much as possible, minimizes the CGT consequences in your portfolio, and just reduce those growth assets down to about 10 five sorry, to 80%, so dropping it down by 10% there, and then increase those defensive investments by about 20 220%.","start":2116.3552,"end":2135.39,"sentiment":"neutral","sentiment_score":0.037578660573037166},{"text":"So it's by about 10% alteration there.","start":2135.5251,"end":2137.945,"sentiment":"neutral","sentiment_score":-0.004245278026376452},{"text":"The expected average return you're sort of looking at with the growth portfolio is about seven to 9%.","start":2138.325,"end":2143.7852,"sentiment":"neutral","sentiment_score":0.026787423321770296}],"sentiment":"neutral","sentiment_score":0.03237530838661981,"num_words":103,"start":2107.7952,"end":2143.7852},{"sentences":[{"text":"So you're not sort of having a huge change.","start":2143.925,"end":2146.8052,"sentiment":"neutral","sentiment_score":-0.09007973968982697},{"text":"It's kinda dropping it down just a little bit.","start":2146.8052,"end":2149.23,"sentiment":"neutral","sentiment_score":-0.04375177166528172},{"text":"Does that feel sort of where your comfort level might be, or did you want to sort of see a bigger change to your portfolio and the risk level?","start":2149.39,"end":2156.27,"sentiment":"neutral","sentiment_score":-0.03385044647188022},{"text":"What's your thought?","start":2156.27,"end":2157.25,"sentiment":"neutral","sentiment_score":-0.006264881541331609},{"text":"Yeah.","start":2160.75,"end":2161.245,"sentiment":"neutral","sentiment_score":0.011240867897868156}],"sentiment":"neutral","sentiment_score":-0.043013731894247675,"num_words":51,"start":2143.925,"end":2161.245},{"sentences":[{"text":"Yeah.","start":2174.14,"end":2174.46,"sentiment":"neutral","sentiment_score":0.059392765164375305},{"text":"Yep.","start":2174.46,"end":2174.96,"sentiment":"neutral","sentiment_score":0.1213274598121643},{"text":"Yeah.","start":2175.9,"end":2176.3,"sentiment":"neutral","sentiment_score":0.32001930475234985},{"text":"Absolutely.","start":2176.3,"end":2176.8,"sentiment":"positive","sentiment_score":0.45351481437683105},{"text":"Yep.","start":2177.26,"end":2177.58,"sentiment":"neutral","sentiment_score":0.2612648606300354}],"sentiment":"neutral","sentiment_score":0.24310384094715118,"num_words":5,"start":2174.14,"end":2177.58},{"sentences":[{"text":"That's that's just dropping it down one extra.","start":2177.58,"end":2179.84,"sentiment":"neutral","sentiment_score":-0.10433017462491989},{"text":"Yeah.","start":2180.22,"end":2180.54,"sentiment":"neutral","sentiment_score":-0.028527643531560894},{"text":"Absolutely.","start":2180.54,"end":2181.04,"sentiment":"neutral","sentiment_score":0.0909644067287445},{"text":"It's it's a bit up in there at the moment.","start":2186.7148,"end":2188.555,"sentiment":"neutral","sentiment_score":-0.33073094487190247},{"text":"Who knows what's gonna happen?","start":2188.555,"end":2189.6748,"sentiment":"negative","sentiment_score":-0.35912355184555056}],"sentiment":"neutral","sentiment_score":-0.2350052736699581,"num_words":25,"start":2177.58,"end":2189.6748},{"sentences":[{"text":"You kinda get some news coming out of The US, and everyone kinda goes, yay.","start":2189.6748,"end":2193.115,"sentiment":"neutral","sentiment_score":-0.20457274615764617},{"text":"It looks like it might all be over soon, and then all of a sudden, something happens tomorrow.","start":2193.115,"end":2196.9548,"sentiment":"neutral","sentiment_score":-0.28364957289563286},{"text":"Trump has a bit of a spat on social media.","start":2196.9548,"end":2199.375,"sentiment":"negative","sentiment_score":-0.35665028393268583},{"text":"You know, he swears at somebody, and then it all kinda drops again.","start":2199.88,"end":2203.34,"sentiment":"neutral","sentiment_score":-0.3181927708479074},{"text":"So who knows who knows what's gonna happen?","start":2204.04,"end":2207.32,"sentiment":"neutral","sentiment_score":-0.18265381082892418}],"sentiment":"neutral","sentiment_score":-0.27091441955417395,"num_words":64,"start":2189.6748,"end":2207.32},{"sentences":[{"text":"But that seventy thirty sort of split is dropping it down to the balanced growth environment there.","start":2207.32,"end":2212.005,"sentiment":"neutral","sentiment_score":0.010360984241261202},{"text":"We're sort of averaging to try and obtain a six to 8% return there.","start":2212.2449,"end":2216.265,"sentiment":"neutral","sentiment_score":0.18083394744566508},{"text":"You've got about 70% in those growth investments.","start":2216.4048,"end":2218.8848,"sentiment":"neutral","sentiment_score":0.24334627203643322},{"text":"You're increasing the defensive lower risk investments to 30%.","start":2218.8848,"end":2222.6648,"sentiment":"neutral","sentiment_score":0.2866031842099296},{"text":"And the likelihood of well, it really depends, and it's important it's important to note that without ongoing service fee, it is a percentage based fee as well.","start":2223.2048,"end":2234.28,"sentiment":"neutral","sentiment_score":-0.001671049211706434}],"sentiment":"neutral","sentiment_score":0.09456870332360268,"num_words":76,"start":2207.32,"end":2234.28},{"sentences":[{"text":"So it's 1.65% per annum, but it is in line with what's happening in your portfolio.","start":2234.28,"end":2240.375,"sentiment":"neutral","sentiment_score":0.063972276635468},{"text":"So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it.","start":2240.595,"end":2245.7952,"sentiment":"neutral","sentiment_score":-0.04509611410044488},{"text":"So our fee is relative and linked to what your portfolio is doing.","start":2245.7952,"end":2249.815,"sentiment":"neutral","sentiment_score":0.028816741389723923},{"text":"When the portfolio is higher, our fee is gonna be higher.","start":2249.875,"end":2252.73,"sentiment":"neutral","sentiment_score":-0.0176065977324139},{"text":"What if portfolio is taking a bit of a dip due to what's happening externally, then our fee will take a bit of a dip there with it.","start":2253.05,"end":2259.21,"sentiment":"neutral","sentiment_score":-0.041984030577753274}],"sentiment":"neutral","sentiment_score":-0.010315390596731325,"num_words":89,"start":2234.28,"end":2259.21},{"sentences":[{"text":"So it is very much relative to what's happening.","start":2259.21,"end":2261.8699,"sentiment":"neutral","sentiment_score":-0.22526726043886608},{"text":"No.","start":2265.385,"end":2265.7852,"sentiment":"neutral","sentiment_score":-0.08692460507154465},{"text":"Correct.","start":2265.7852,"end":2266.2852,"sentiment":"neutral","sentiment_score":-0.012036338448524477},{"text":"Correct.","start":2266.425,"end":2266.925,"sentiment":"neutral","sentiment_score":0.12105785310268402},{"text":"And yeah.","start":2268.905,"end":2269.885,"sentiment":"neutral","sentiment_score":-0.018116637133061886}],"sentiment":"neutral","sentiment_score":-0.14582440775952168,"num_words":14,"start":2259.21,"end":2269.885},{"sentences":[{"text":"No.","start":2269.945,"end":2270.185,"sentiment":"neutral","sentiment_score":-0.06360897421836853},{"text":"That's okay.","start":2270.185,"end":2270.8252,"sentiment":"neutral","sentiment_score":0.07563500106334686},{"text":"With the insurance yeah.","start":2270.8252,"end":2274.0251,"sentiment":"neutral","sentiment_score":0.08387842774391174},{"text":"Well, thank you.","start":2274.0251,"end":2275.0051,"sentiment":"positive","sentiment_score":0.33614466587702435},{"text":"Yeah.","start":2277.76,"end":2278.1602,"sentiment":"neutral","sentiment_score":-0.10014866292476654}],"sentiment":"neutral","sentiment_score":0.1210418248718435,"num_words":11,"start":2269.945,"end":2278.1602},{"sentences":[{"text":"Well, with the with the insurance that you do have at the moment, obviously, it's quite high.","start":2278.1602,"end":2282.7402,"sentiment":"neutral","sentiment_score":-0.1852868996998843},{"text":"Did you wanna look at maybe, you know, reducing or reevaluating the insurance?","start":2283.52,"end":2288.56,"sentiment":"neutral","sentiment_score":-0.186879140826372},{"text":"I know with TPD, you have that ADL definition, which is a bit harder to claim, and I wouldn't wanna sort of remove that completely.","start":2288.56,"end":2295.275,"sentiment":"neutral","sentiment_score":-0.2070330050587654},{"text":"But you've got a sum insured here at the moment of $687,003.03 4.","start":2296.295,"end":2301.515,"sentiment":"neutral","sentiment_score":-0.015175085299863266},{"text":"In the event that you were to pass away, your life insurance is paid up, but so is your super balance.","start":2302.215,"end":2307.1301,"sentiment":"neutral","sentiment_score":-0.10413449736578125}],"sentiment":"neutral","sentiment_score":-0.14763181804145656,"num_words":89,"start":2278.1602,"end":2307.1301},{"sentences":[{"text":"Did you wanna look at maybe reducing the level of cover you have to see if that can gen does generally also reduce the premiums as well, or do you feel like that level of cover you have is what you need?","start":2307.1301,"end":2318.75,"sentiment":"neutral","sentiment_score":-0.07627838442013377},{"text":"Yes.","start":2325.805,"end":2326.305,"sentiment":"neutral","sentiment_score":0.24619030952453613},{"text":"Yeah.","start":2328.925,"end":2329.425,"sentiment":"neutral","sentiment_score":0.30861854553222656},{"text":"Yep.","start":2335.02,"end":2335.42,"sentiment":"neutral","sentiment_score":0.17364715039730072},{"text":"That's okay.","start":2335.42,"end":2336.06,"sentiment":"neutral","sentiment_score":0.23736708611249924}],"sentiment":"neutral","sentiment_score":-0.042563871658862905,"num_words":47,"start":2307.1301,"end":2336.06},{"sentences":[{"text":"We can leave it as it is.","start":2336.06,"end":2337.52,"sentiment":"neutral","sentiment_score":0.17491996181862696},{"text":"We can I can go back and just have a look at the balanced growth portfolio, have a look at, you know, what it is doing, have a look at how we maybe adjust that?","start":2337.9,"end":2346.615,"sentiment":"neutral","sentiment_score":0.1389673188328743},{"text":"We do have a couple of different options.","start":2346.695,"end":2348.535,"sentiment":"neutral","sentiment_score":0.10301289008930326},{"text":"So we do have just maybe maneuvering and readjusting the current portfolio you're in.","start":2348.535,"end":2353.4949,"sentiment":"neutral","sentiment_score":0.11304963486535209},{"text":"I could also look at other portfolios to see if maybe they've got, you know, investors that have been working a little bit harder, maybe move it up to one of the newer balance growth portfolios, I'll look at the CGT consequences for you and have a bit of a look at all the factors and see what we've got what we're doing there.","start":2353.4949,"end":2370.6902,"sentiment":"neutral","sentiment_score":0.07270351521583507}],"sentiment":"neutral","sentiment_score":0.1027196787072171,"num_words":128,"start":2336.06,"end":2370.6902},{"sentences":[{"text":"The other thing we can look at is we've also recently set up our own investments and o f u investment option.","start":2370.83,"end":2379.2449,"sentiment":"neutral","sentiment_score":0.10161389088766141},{"text":"It's called an estimate, so separately managed account.","start":2379.2449,"end":2381.905,"sentiment":"neutral","sentiment_score":0.05655075889080763},{"text":"At the moment, when you look at your super, you can currently see all the different investment options that you have in there.","start":2382.445,"end":2389.1802,"sentiment":"neutral","sentiment_score":0.08973942624162072},{"text":"So you've got you can see your physical gold.","start":2389.1802,"end":2391.1802,"sentiment":"neutral","sentiment_score":0.16984169681866965},{"text":"You can see the a 200, the cybersecurity, and the S and P 500.","start":2391.1802,"end":2394.9602,"sentiment":"neutral","sentiment_score":0.10671794254864965}],"sentiment":"neutral","sentiment_score":0.10229664396396593,"num_words":76,"start":2370.83,"end":2394.9602},{"sentences":[{"text":"The difference to this SMA product is that if you kind of move into that, when you look at your Netwealth account, all you would see is your balance and the SMA and what it where it where it's at at the moment.","start":2395.26,"end":2407.075,"sentiment":"neutral","sentiment_score":0.08876430312561434},{"text":"You wouldn't see all the underlying investment options.","start":2407.075,"end":2409.895,"sentiment":"neutral","sentiment_score":0.007946955040097237},{"text":"The benefit of this kinda SMA product is that by by if you chose to go into it, if it works well for you, The underlying there are kinda controlled by our investment committee, and we've actually built that in line or in coordination with BlackRock.","start":2410.035,"end":2425.33,"sentiment":"positive","sentiment_score":0.3568927209986293},{"text":"So BlackRock are one of Australia's largest investment firms, and we utilize their investment committee, their research houses, their analysts to build this sort of SMA product.","start":2425.33,"end":2434.7551,"sentiment":"neutral","sentiment_score":0.23486509201703248},{"text":"Within the SMA, we can have anywhere from, say, five to 20 to 50 different investment options, but it allows us to be able to make make changes to the investments without having to update the advice for you.","start":2435.5352,"end":2447.155,"sentiment":"neutral","sentiment_score":0.21688241091294166}],"sentiment":"neutral","sentiment_score":0.21532071994309046,"num_words":163,"start":2395.26,"end":2447.155},{"sentences":[{"text":"So as a really good example, with the SMA, last week, we were able to meet with the investment committee.","start":2447.3,"end":2454.82,"sentiment":"neutral","sentiment_score":0.15273284688591957},{"text":"Sorry.","start":2454.82,"end":2455.14,"sentiment":"neutral","sentiment_score":-0.0840907096862793},{"text":"That was two weeks ago.","start":2455.14,"end":2456.06,"sentiment":"neutral","sentiment_score":-0.10133849829435349},{"text":"I apologize.","start":2456.06,"end":2456.68,"sentiment":"neutral","sentiment_score":-0.146306574344635},{"text":"We were able to meet with the investment committee and the BlackRock investment team.","start":2457.14,"end":2460.885,"sentiment":"neutral","sentiment_score":0.08060741610825062}],"sentiment":"neutral","sentiment_score":0.07856581936634723,"num_words":42,"start":2447.3,"end":2460.885},{"sentences":[{"text":"Because of what's been happening globally, they actually made some changes to their estimate products.","start":2461.045,"end":2466.085,"sentiment":"neutral","sentiment_score":0.12083452095588049},{"text":"They checked took out some investments, reduced exposure into some investments, added some in, and increased exposure to different areas.","start":2466.085,"end":2473.065,"sentiment":"neutral","sentiment_score":0.04568543480709195},{"text":"They essentially, what they did to work out that was they had a look at what was happening globally, what was happening in that portfolio, and they had a look at the risk level and where they see or where the analysts see the market's moving to in the future.","start":2473.7,"end":2486.2798,"sentiment":"neutral","sentiment_score":0.09349688149988651},{"text":"They then were able to make changes to that estimate.","start":2486.715,"end":2489.5352,"sentiment":"neutral","sentiment_score":0.15418666377663612},{"text":"Absolutely.","start":2490.235,"end":2490.735,"sentiment":"positive","sentiment_score":0.40308135747909546}],"sentiment":"neutral","sentiment_score":0.09735436021583155,"num_words":96,"start":2461.045,"end":2490.735},{"sentences":[{"text":"Absolutely.","start":2491.0352,"end":2491.355,"sentiment":"positive","sentiment_score":0.4068315029144287},{"text":"It's the same as what we're doing with investments.","start":2491.355,"end":2493.215,"sentiment":"neutral","sentiment_score":0.32359905706511605},{"text":"The main difference is that we can make changes there without having to update advice without having to tell you that we're making changes.","start":2493.355,"end":2500.0752,"sentiment":"neutral","sentiment_score":0.249572086147964},{"text":"So your portfolio has always been evaluated and altered and rebalanced underneath without having to update the advice.","start":2500.0752,"end":2507.93,"sentiment":"neutral","sentiment_score":0.2938926000561979},{"text":"It kind of means that we get a lot more control around making changes to the investments for you.","start":2508.79,"end":2514.195,"sentiment":"positive","sentiment_score":0.407095887943318}],"sentiment":"neutral","sentiment_score":0.3145611514927636,"num_words":71,"start":2491.0352,"end":2514.195},{"sentences":[{"text":"You lose a little bit of visibility on what you're invested in.","start":2514.2751,"end":2518.0352,"sentiment":"neutral","sentiment_score":0.06659617274999619},{"text":"We do get change reports and updated reports every time chain like, whenever changes are made, but it's not something everyone wants to do.","start":2518.0352,"end":2525.635,"sentiment":"neutral","sentiment_score":0.14517733672012886},{"text":"I do have some clients who prefer to see those investments in this super and other clients who are happy to remove that visibility aspect, just see what their balance is, and hand over control of maneuvering investments to us without having to update advice.","start":2525.635,"end":2539.61,"sentiment":"neutral","sentiment_score":0.2797722874416245},{"text":"What's your sort of thoughts around that?","start":2540.145,"end":2541.825,"sentiment":"neutral","sentiment_score":0.17043829815728323},{"text":"Would you like me to look at that and see if it provides the benefit, or would you like to just sort of see your investments in your super?","start":2541.825,"end":2547.905,"sentiment":"neutral","sentiment_score":0.22515831116972299}],"sentiment":"neutral","sentiment_score":0.21022070256563333,"num_words":117,"start":2514.2751,"end":2547.905},{"sentences":[{"text":"What's your sort of thought?","start":2547.905,"end":2549.2852,"sentiment":"neutral","sentiment_score":0.031089332699775696},{"text":"Yep.","start":2561.68,"end":2561.92,"sentiment":"neutral","sentiment_score":0.1247650906443596},{"text":"Yep.","start":2561.92,"end":2562.42,"sentiment":"neutral","sentiment_score":0.1260506808757782},{"text":"Yep.","start":2562.48,"end":2562.96,"sentiment":"neutral","sentiment_score":0.17932775616645813},{"text":"Beautiful.","start":2562.96,"end":2563.46,"sentiment":"positive","sentiment_score":0.6549600958824158}],"sentiment":"neutral","sentiment_score":0.13783892078532112,"num_words":9,"start":2547.905,"end":2563.46},{"sentences":[{"text":"Hi, Ross.","start":2589.7668,"end":2590.2468,"sentiment":"neutral","sentiment_score":0.17857098579406738},{"text":"Can you hear me?","start":2590.2468,"end":2591.1467,"sentiment":"neutral","sentiment_score":0.03148255869746208},{"text":"Hello, Ross.","start":2598.1667,"end":2599.067,"sentiment":"neutral","sentiment_score":-0.015703309327363968}],"sentiment":"neutral","sentiment_score":0.056458198465406895,"num_words":8,"start":2589.7668,"end":2599.067}]}}]},{"alternatives":[{"transcript":"Hello? Very good. And you? Yeah. Yeah. Yeah. Not a problem. Ross Higgins. '87 Blaux Court Sinclair. How things are going while there's no contributions? Because I've yeah. Because I'm still out of work and don't know when I'll be going back to work. Yeah. I've had surgery, so, it it'll be a while till I get back to work. I can't go back to what I was doing, full stop. Yeah. So it's a matter of trying to find well, re reskilling altogether, I suppose. I gotta go back to school. Yeah. Yes. Thirty thirty five years. Yeah. Thirty years. It's it's more of my my mentality. They've told me to sit in an office, and I just can't do it. And I'm trying to get my head around going back to school. To be honest, I I don't wanna do something that I'm not gonna be happy with because I know I won't I won't stay. So I need to find something I wanna do. I used to be happy to get up to go to work. Yep. Yeah. So, yeah, I'm hoping to find something where I can still go on-site, But, yeah, I'll have to sort of fifty fifty with site and office work. So, yeah, we'll see what happens. Oh, yeah. What? To try and take money out of my super? Well, I don't I don't want to. I don't need to. No. At the moment, I'm still on workers' compensation, so I'm still getting paid every week. A top up would be nice, but I don't wanna touch my super. Yes. Not a problem. I just no. I wouldn't touch my system full stop. I'll find ways around it. And what was what was it at at the same point last year? No. I don't really check my emails very often. Not that I know of. No. Yep. Well, just what was it what was my balance before the war started? Yep. Yep. Yeah. Yeah. Oh, no. It's gone very quick. Yeah. No. I've been off since January. On the '20 like, the January 21, I think, is when I stopped working. Lovely. What what sort of just I'm not too fussed about it making making it go up. I'm more covering the cost of the account, if you know what I mean, for for you guys and my insurances. So I've sort of made, like, 2,000 then. So 5,000 coming out. Yeah. Yeah. Yeah. No. It's just your your opinion's pretty much what I go off. Yeah. No. Sorry. Look. I'm I'm I'm not really not sure. Probably between moderate and high. So I I don't wanna lose it all, but, yeah, I wanna like I said, I just wanna cover all the all the fees, really, sort of keep it I wanna keep it at, like, $60.66 ish. It does worry me a bit, but, usually, when you have a slump, it goes back up again. So I don't wanna if I pulled it down, would I miss the rise? Yeah. Yeah. So hindsight, it would have been good to change it all back in January and then probably put it back up in a few more months. Nah. Nah. Yeah. And I'd be retired already because you would've done my job for me. Yeah. Does that does that mean it's probably due to go down now? Oh, yeah. Yep. Yes. No. It's it's as clear as it's gonna be for me. Another three months if we could. Hopefully, Trump's sort of sorted his stuff out by them. Yeah. Let us know when he's gonna do something stupid. Well, I was thinking if I could put it down now, put it down to say the mid range, and then look at it again in three months, and then maybe change it then. Hopefully, the market changes a bit. No. I did, actually. I thought about it and then and then went back. I don't know when the whole Bitcoin thing come about. Yep. Yeah. It is a goal, but it's just not a goal reachable at the moment. I I don't understand what you mean there. I just wanna cover I just wanna cover it and keep it where it is until I get back to work. I don't wanna go on down, but I just wanna hope hopefully make enough just to pay all the fees. Yep. Yes. No. Just a little bit, I suppose. Yeah. I think well, maybe drop it to to say 70 high, 70% to 70 to 30, if you know what I mean, 30 percent for the low risk just just to get through this little period. Because I don't I don't think it's I don't think the market's gonna go go any good in the next couple of months. Oh, yeah. So 60 8%, that wouldn't cover the fees, really, would it? Six percent wouldn't. Yeah. Yep. Your fees aren't as much as the your fees aren't as much as the insurance fees. That's what I'm trying to cover, the insurance fees more than anything. Because you you guys you guys earn your fee. The insurance the insurance don't earn their fee. My level of cover is probably what I'd I'd be happy because well, I hope I go before my wife. So and then she can at least have a decent life after. Yes. So, like, an educated desk. Yep. Well, to be honest, I don't look at it anyway. So the the way I've run this is pretty pretty much trust with you guys. 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Very good. And you? Yeah. Yeah.\n\nYeah. Not a problem. Ross Higgins. '87 Blaux Court Sinclair. How things are going while there's no contributions?\n\nBecause I've yeah. Because I'm still out of work and don't know when I'll be going back to work. Yeah. I've had surgery, so, it it'll be a while till I get back to work. I can't go back to what I was doing, full stop.\n\nYeah. So it's a matter of trying to find well, re reskilling altogether, I suppose. I gotta go back to school. Yeah. Yes.\n\nThirty thirty five years. Yeah. Thirty years. It's it's more of my my mentality. They've told me to sit in an office, and I just can't do it.\n\nAnd I'm trying to get my head around going back to school. To be honest, I I don't wanna do something that I'm not gonna be happy with because I know I won't I won't stay. So I need to find something I wanna do. I used to be happy to get up to go to work. Yep.\n\nYeah. So, yeah, I'm hoping to find something where I can still go on-site, But, yeah, I'll have to sort of fifty fifty with site and office work. So, yeah, we'll see what happens. Oh, yeah. What?\n\nTo try and take money out of my super? Well, I don't I don't want to. I don't need to. No. At the moment, I'm still on workers' compensation, so I'm still getting paid every week.\n\nA top up would be nice, but I don't wanna touch my super. Yes. Not a problem. I just no. I wouldn't touch my system full stop.\n\nI'll find ways around it. And what was what was it at at the same point last year? No. I don't really check my emails very often. Not that I know of.\n\nNo. Yep. Well, just what was it what was my balance before the war started? Yep. Yep.\n\nYeah. Yeah. Oh, no. It's gone very quick. Yeah.\n\nNo. I've been off since January. On the '20 like, the January 21, I think, is when I stopped working. Lovely. What what sort of just I'm not too fussed about it making making it go up.\n\nI'm more covering the cost of the account, if you know what I mean, for for you guys and my insurances. So I've sort of made, like, 2,000 then. So 5,000 coming out. Yeah. Yeah.\n\nYeah. No. It's just your your opinion's pretty much what I go off. Yeah. No.\n\nSorry. Look. I'm I'm I'm not really not sure. Probably between moderate and high. So I I don't wanna lose it all, but, yeah, I wanna like I said, I just wanna cover all the all the fees, really, sort of keep it I wanna keep it at, like, $60.66 ish.\n\nIt does worry me a bit, but, usually, when you have a slump, it goes back up again. So I don't wanna if I pulled it down, would I miss the rise? Yeah. Yeah. So hindsight, it would have been good to change it all back in January and then probably put it back up in a few more months.\n\nNah. Nah. Yeah. And I'd be retired already because you would've done my job for me. Yeah.\n\nDoes that does that mean it's probably due to go down now? Oh, yeah. Yep. Yes. No.\n\nIt's it's as clear as it's gonna be for me. Another three months if we could. Hopefully, Trump's sort of sorted his stuff out by them. Yeah. Let us know when he's gonna do something stupid.\n\nWell, I was thinking if I could put it down now, put it down to say the mid range, and then look at it again in three months, and then maybe change it then. Hopefully, the market changes a bit. No. I did, actually. I thought about it and then and then went back.\n\nI don't know when the whole Bitcoin thing come about. Yep. Yeah. It is a goal, but it's just not a goal reachable at the moment. I I don't understand what you mean there.\n\nI just wanna cover I just wanna cover it and keep it where it is until I get back to work. I don't wanna go on down, but I just wanna hope hopefully make enough just to pay all the fees. Yep. Yes. No.\n\nJust a little bit, I suppose. Yeah. I think well, maybe drop it to to say 70 high, 70% to 70 to 30, if you know what I mean, 30 percent for the low risk just just to get through this little period. Because I don't I don't think it's I don't think the market's gonna go go any good in the next couple of months. Oh, yeah.\n\nSo 60 8%, that wouldn't cover the fees, really, would it? Six percent wouldn't. Yeah. Yep. Your fees aren't as much as the your fees aren't as much as the insurance fees.\n\nThat's what I'm trying to cover, the insurance fees more than anything. Because you you guys you guys earn your fee. The insurance the insurance don't earn their fee. My level of cover is probably what I'd I'd be happy because well, I hope I go before my wife. So and then she can at least have a decent life after.\n\nYes. So, like, an educated desk. Yep. Well, to be honest, I don't look at it anyway. So the the way I've run this is pretty pretty much trust with you guys.\n\nSo it was is it it has been going up.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02298309840261936},{"text":"Very good.","start":6.24,"end":6.96,"sentiment":"positive","sentiment_score":0.6021261215209961},{"text":"And you?","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.3712325096130371},{"text":"Yeah.","start":15.385,"end":15.785,"sentiment":"neutral","sentiment_score":0.1307055503129959},{"text":"Yeah.","start":15.785,"end":16.285,"sentiment":"neutral","sentiment_score":0.1460135579109192}],"sentiment":"neutral","sentiment_score":0.320917066984943,"num_words":7,"start":1.28,"end":16.285},{"sentences":[{"text":"Yeah.","start":27.064999,"end":27.385,"sentiment":"neutral","sentiment_score":0.1222381517291069},{"text":"Not a 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work.","start":69.39,"end":73.995,"sentiment":"neutral","sentiment_score":-0.12117684911936522},{"text":"Yeah.","start":81.995,"end":82.315,"sentiment":"neutral","sentiment_score":-0.06047901138663292},{"text":"I've had surgery, so, it it'll be a while till I get back to work.","start":82.315,"end":87.81,"sentiment":"neutral","sentiment_score":-0.08312323515613874},{"text":"I can't go back to what I was doing, full stop.","start":100.13,"end":102.735,"sentiment":"neutral","sentiment_score":-0.22938136079094626}],"sentiment":"neutral","sentiment_score":-0.12547203672685378,"num_words":46,"start":67.79,"end":102.735},{"sentences":[{"text":"Yeah.","start":103.295,"end":103.795,"sentiment":"neutral","sentiment_score":-0.05330973118543625},{"text":"So it's a matter of trying to find well, re reskilling altogether, I suppose.","start":104.655,"end":109.775,"sentiment":"neutral","sentiment_score":-0.09381856716104917},{"text":"I gotta go back to school.","start":109.775,"end":111.075,"sentiment":"neutral","sentiment_score":-0.1612440124154091},{"text":"Yeah.","start":113.535,"end":114.035,"sentiment":"neutral","sentiment_score":-0.07127643376588821},{"text":"Yes.","start":120.51,"end":121.01,"sentiment":"neutral","sentiment_score":0.046412236988544464}],"sentiment":"neutral","sentiment_score":-0.10256947576999664,"num_words":23,"start":103.295,"end":121.01},{"sentences":[{"text":"Thirty thirty five years.","start":121.79,"end":123.81,"sentiment":"neutral","sentiment_score":0.031015052925795317},{"text":"Yeah.","start":124.11,"end":124.35,"sentiment":"neutral","sentiment_score":0.037867046892642975},{"text":"Thirty years.","start":124.35,"end":125.17,"sentiment":"neutral","sentiment_score":0.019754016771912575},{"text":"It's it's more of my my mentality.","start":142.735,"end":145.51,"sentiment":"neutral","sentiment_score":-0.2279972689492362},{"text":"They've told me to sit in an office, and I just can't do it.","start":147.40999,"end":150.37,"sentiment":"negative","sentiment_score":-0.46698540236268726}],"sentiment":"neutral","sentiment_score":-0.2832979008422366,"num_words":28,"start":121.79,"end":150.37},{"sentences":[{"text":"And I'm trying to get my head around going back to school.","start":150.37,"end":154.54999,"sentiment":"neutral","sentiment_score":-0.266502832993865},{"text":"To be honest, I I don't wanna do something that I'm not gonna be happy with because I know I won't I won't stay.","start":156.185,"end":162.44499,"sentiment":"negative","sentiment_score":-0.4978644686440627},{"text":"So I need to find something I wanna do.","start":162.905,"end":165.325,"sentiment":"neutral","sentiment_score":-0.1231685367723306},{"text":"I used to be happy to get up to go to work.","start":166.905,"end":169.05,"sentiment":"neutral","sentiment_score":-0.023530155730744202},{"text":"Yep.","start":177.13,"end":177.63,"sentiment":"neutral","sentiment_score":0.08220336586236954}],"sentiment":"neutral","sentiment_score":-0.28371476857312794,"num_words":58,"start":150.37,"end":177.63},{"sentences":[{"text":"Yeah.","start":177.93001,"end":178.41,"sentiment":"neutral","sentiment_score":0.0815793052315712},{"text":"So, yeah, I'm hoping to find something where I can still go on-site, But, yeah, I'll have to sort of fifty fifty with site and office work.","start":178.41,"end":190.415,"sentiment":"neutral","sentiment_score":0.038842700007889},{"text":"So, yeah, we'll see what happens.","start":191.435,"end":193.295,"sentiment":"neutral","sentiment_score":0.011404482026894888},{"text":"Oh, yeah.","start":202.55,"end":203.13,"sentiment":"neutral","sentiment_score":-0.07994114235043526},{"text":"What?","start":224.29001,"end":224.53,"sentiment":"neutral","sentiment_score":-0.10091182589530943}],"sentiment":"neutral","sentiment_score":0.02535040505431794,"num_words":37,"start":177.93001,"end":224.53},{"sentences":[{"text":"To try and take money out of my super?","start":224.53,"end":226.31,"sentiment":"neutral","sentiment_score":-0.14868654724624422},{"text":"Well, I don't I don't want to.","start":227.57,"end":230.13,"sentiment":"neutral","sentiment_score":-0.17587848539863313},{"text":"I don't need to.","start":230.13,"end":231.19,"sentiment":"neutral","sentiment_score":-0.2106299102306366},{"text":"No.","start":232.69,"end":232.85,"sentiment":"neutral","sentiment_score":-0.049144960939884186},{"text":"At the moment, I'm still on workers' compensation, so I'm still getting paid every week.","start":232.85,"end":236.55,"sentiment":"neutral","sentiment_score":-0.0952572430173556}],"sentiment":"neutral","sentiment_score":-0.13582921028137207,"num_words":36,"start":224.53,"end":236.55},{"sentences":[{"text":"A top up would be nice, but I don't wanna touch my super.","start":237.935,"end":240.915,"sentiment":"neutral","sentiment_score":-0.07634587299365264},{"text":"Yes.","start":278.09,"end":278.59,"sentiment":"neutral","sentiment_score":0.17479099333286283},{"text":"Not a problem.","start":322.965,"end":323.785,"sentiment":"neutral","sentiment_score":0.05947797124584516},{"text":"I just no.","start":323.92502,"end":324.645,"sentiment":"neutral","sentiment_score":-0.12808057417472204},{"text":"I wouldn't touch my system full stop.","start":324.645,"end":326.405,"sentiment":"neutral","sentiment_score":-0.227201908826828}],"sentiment":"neutral","sentiment_score":-0.09681209356144622,"num_words":27,"start":237.935,"end":326.405},{"sentences":[{"text":"I'll find ways around it.","start":326.405,"end":327.865,"sentiment":"neutral","sentiment_score":-0.02974240332841873},{"text":"And what was what was it at at the same point last year?","start":356.165,"end":359.465,"sentiment":"neutral","sentiment_score":-0.018037579738749906},{"text":"No.","start":435.56,"end":435.96,"sentiment":"neutral","sentiment_score":-0.13923639059066772},{"text":"I don't really check my emails very often.","start":435.96,"end":437.9,"sentiment":"neutral","sentiment_score":-0.16467807348817587},{"text":"Not that I know of.","start":591.69995,"end":592.66,"sentiment":"neutral","sentiment_score":-0.14614274203777314}],"sentiment":"neutral","sentiment_score":-0.08033047631033696,"num_words":32,"start":326.405,"end":592.66},{"sentences":[{"text":"No.","start":592.66,"end":593.16,"sentiment":"neutral","sentiment_score":-0.19739501178264615},{"text":"Yep.","start":650.61,"end":651.11,"sentiment":"neutral","sentiment_score":0.10525839775800704},{"text":"Well, just what was it what was my balance before the war started?","start":661.875,"end":670.95,"sentiment":"neutral","sentiment_score":-0.02984688001183363},{"text":"Yep.","start":693.125,"end":693.625,"sentiment":"neutral","sentiment_score":0.0419725701212883},{"text":"Yep.","start":698.13995,"end":698.63995,"sentiment":"neutral","sentiment_score":-0.04223756119608879}],"sentiment":"neutral","sentiment_score":-0.028259473250192756,"num_words":17,"start":592.66,"end":698.63995},{"sentences":[{"text":"Yeah.","start":709.33997,"end":709.57996,"sentiment":"neutral","sentiment_score":0.049514345824718475},{"text":"Yeah.","start":709.57996,"end":710.07996,"sentiment":"neutral","sentiment_score":0.04985428228974342},{"text":"Oh, no.","start":736.27496,"end":736.595,"sentiment":"neutral","sentiment_score":-0.08010389283299446},{"text":"It's gone very quick.","start":736.595,"end":737.815,"sentiment":"neutral","sentiment_score":-0.07557102106511593},{"text":"Yeah.","start":764.015,"end":764.515,"sentiment":"neutral","sentiment_score":0.0605182945728302}],"sentiment":"neutral","sentiment_score":-0.033622771915462285,"num_words":9,"start":709.33997,"end":764.515},{"sentences":[{"text":"No.","start":770.255,"end":770.755,"sentiment":"neutral","sentiment_score":-0.0709538385272026},{"text":"I've been off since January.","start":771.53503,"end":774.275,"sentiment":"neutral","sentiment_score":-0.07829973250627517},{"text":"On the '20 like, the January 21, I think, is when I stopped working.","start":787.97003,"end":792.71,"sentiment":"neutral","sentiment_score":-0.004973882809281349},{"text":"Lovely.","start":808.605,"end":809.105,"sentiment":"positive","sentiment_score":0.4200338125228882},{"text":"What what sort of just I'm not too fussed about it making making it go up.","start":994.015,"end":1000.195,"sentiment":"neutral","sentiment_score":-0.12848741048946977}],"sentiment":"neutral","sentiment_score":-0.05859058420803096,"num_words":37,"start":770.255,"end":1000.195},{"sentences":[{"text":"I'm more covering the cost of the account, if you know what I mean, for for you guys and my insurances.","start":1000.255,"end":1007.83,"sentiment":"neutral","sentiment_score":-0.0059882100627181075},{"text":"So I've sort of made, like, 2,000 then.","start":1033.0299,"end":1035.69,"sentiment":"neutral","sentiment_score":0.00865560706006363},{"text":"So 5,000 coming out.","start":1036.95,"end":1038.6499,"sentiment":"neutral","sentiment_score":0.04579380061477423},{"text":"Yeah.","start":1038.87,"end":1039.37,"sentiment":"neutral","sentiment_score":0.09985551238059998},{"text":"Yeah.","start":1045.0299,"end":1045.5299,"sentiment":"neutral","sentiment_score":0.18313054740428925}],"sentiment":"neutral","sentiment_score":0.011704391640211856,"num_words":35,"start":1000.255,"end":1045.5299},{"sentences":[{"text":"Yeah.","start":1082.345,"end":1082.845,"sentiment":"neutral","sentiment_score":0.15227197110652924},{"text":"No.","start":1241.925,"end":1242.425,"sentiment":"neutral","sentiment_score":-0.145545095205307},{"text":"It's just your your opinion's pretty much what I go off.","start":1243.685,"end":1250.425,"sentiment":"neutral","sentiment_score":-0.05765759132125161},{"text":"Yeah.","start":1270.6001,"end":1271.1001,"sentiment":"neutral","sentiment_score":0.09672322124242784},{"text":"No.","start":1281.505,"end":1282.005,"sentiment":"neutral","sentiment_score":-0.11676633358001708}],"sentiment":"neutral","sentiment_score":-0.043169982731342316,"num_words":15,"start":1082.345,"end":1282.005},{"sentences":[{"text":"Sorry.","start":1308.3551,"end":1308.8551,"sentiment":"neutral","sentiment_score":-0.1320299208164215},{"text":"Look.","start":1369.14,"end":1369.4601,"sentiment":"neutral","sentiment_score":-0.05384732410311699},{"text":"I'm I'm I'm not really not sure.","start":1369.4601,"end":1371.7001,"sentiment":"neutral","sentiment_score":-0.11897028131144387},{"text":"Probably between moderate and high.","start":1371.7001,"end":1374.1,"sentiment":"neutral","sentiment_score":-0.045192153006792066},{"text":"So I I don't wanna lose it all, but, yeah, I wanna like I said, I just wanna cover all the all the fees, really, sort of keep it I wanna keep it at, like, $60.66 ish.","start":1374.1,"end":1391.655,"sentiment":"neutral","sentiment_score":0.007878563895418838}],"sentiment":"neutral","sentiment_score":-0.018688688529472725,"num_words":51,"start":1308.3551,"end":1391.655},{"sentences":[{"text":"It does worry me a bit, but, usually, when you have a slump, it goes back up again.","start":1434.06,"end":1439.9149,"sentiment":"neutral","sentiment_score":-0.32144927399026024},{"text":"So I don't wanna if I pulled it down, would I miss the rise?","start":1441.015,"end":1445.595,"sentiment":"neutral","sentiment_score":-0.1333044469356537},{"text":"Yeah.","start":1474.535,"end":1475.035,"sentiment":"neutral","sentiment_score":0.051377639174461365},{"text":"Yeah.","start":1529.115,"end":1529.615,"sentiment":"neutral","sentiment_score":-0.12523838877677915},{"text":"So hindsight, it would have been good to change it all back in January and then probably put it back up in a few more months.","start":1539.4601,"end":1546.68,"sentiment":"neutral","sentiment_score":0.06629216219656743}],"sentiment":"neutral","sentiment_score":-0.10004356202359001,"num_words":60,"start":1434.06,"end":1546.68},{"sentences":[{"text":"Nah.","start":1555.425,"end":1555.585,"sentiment":"neutral","sentiment_score":-0.1293933391571045},{"text":"Nah.","start":1555.585,"end":1555.745,"sentiment":"neutral","sentiment_score":-0.056028544902801514},{"text":"Yeah.","start":1555.745,"end":1556.245,"sentiment":"neutral","sentiment_score":-0.06063450872898102},{"text":"And I'd be retired already because you would've done my job for me.","start":1563.3451,"end":1566.885,"sentiment":"neutral","sentiment_score":0.15245157666504383},{"text":"Yeah.","start":1751.49,"end":1751.99,"sentiment":"neutral","sentiment_score":0.011186878196895124}],"sentiment":"neutral","sentiment_score":0.10276476365021046,"num_words":17,"start":1555.425,"end":1751.99},{"sentences":[{"text":"Does that does that mean it's probably due to go down now?","start":1752.61,"end":1755.6699,"sentiment":"neutral","sentiment_score":-0.09467517910525203},{"text":"Oh, yeah.","start":1772.2999,"end":1773.0399,"sentiment":"neutral","sentiment_score":0.07205493003129959},{"text":"Yep.","start":1810.7201,"end":1811.025,"sentiment":"positive","sentiment_score":0.5036594867706299},{"text":"Yes.","start":1820.145,"end":1820.645,"sentiment":"neutral","sentiment_score":0.16097277402877808},{"text":"No.","start":1832.19,"end":1832.6699,"sentiment":"neutral","sentiment_score":-0.04988854750990867}],"sentiment":"neutral","sentiment_score":-0.0221910927006427,"num_words":17,"start":1752.61,"end":1832.6699},{"sentences":[{"text":"It's it's as clear as it's gonna be for me.","start":1832.6699,"end":1836.45,"sentiment":"neutral","sentiment_score":-0.016831111442297698},{"text":"Another three months if we could.","start":1852.135,"end":1853.995,"sentiment":"neutral","sentiment_score":0.03811875513444344},{"text":"Hopefully, Trump's sort of sorted his stuff out by them.","start":1857.32,"end":1860.3,"sentiment":"neutral","sentiment_score":0.0929283231496811},{"text":"Yeah.","start":1871.445,"end":1871.945,"sentiment":"neutral","sentiment_score":-0.012277289293706415},{"text":"Let us know when he's gonna do something stupid.","start":1872.005,"end":1874.105,"sentiment":"neutral","sentiment_score":-0.04313087152938048}],"sentiment":"neutral","sentiment_score":0.01636748652284344,"num_words":36,"start":1832.6699,"end":1874.105},{"sentences":[{"text":"Well, I was thinking if I could put it down now, put it down to say the mid range, and then look at it again in three months, and then maybe change it then.","start":1934.135,"end":1945.4099,"sentiment":"neutral","sentiment_score":-0.010167276541538098},{"text":"Hopefully, the market changes a bit.","start":1945.71,"end":1947.6499,"sentiment":"neutral","sentiment_score":0.03423499191800753},{"text":"No.","start":1966.305,"end":1966.805,"sentiment":"neutral","sentiment_score":-0.10152929276227952},{"text":"I did, actually.","start":1970.35,"end":1971.07,"sentiment":"neutral","sentiment_score":0.057871557772159576},{"text":"I thought about it and then and then went back.","start":1971.07,"end":1973.95,"sentiment":"neutral","sentiment_score":-8.113682270050049e-7}],"sentiment":"neutral","sentiment_score":-0.001262966370968907,"num_words":54,"start":1934.135,"end":1973.95},{"sentences":[{"text":"I don't know when the whole Bitcoin thing come about.","start":1973.95,"end":1976.85,"sentiment":"neutral","sentiment_score":-0.05132474638521671},{"text":"Yep.","start":1986.765,"end":1987.265,"sentiment":"neutral","sentiment_score":0.016792628914117813},{"text":"Yeah.","start":1996.87,"end":1997.2699,"sentiment":"neutral","sentiment_score":-0.07641346007585526},{"text":"It is a goal, but it's just not a goal reachable at the moment.","start":1997.2699,"end":2000.57,"sentiment":"neutral","sentiment_score":-0.19012090723429406},{"text":"I I don't understand what you mean there.","start":2029.4701,"end":2031.79,"sentiment":"negative","sentiment_score":-0.4128898726776242}],"sentiment":"neutral","sentiment_score":-0.1922847052269122,"num_words":34,"start":1973.95,"end":2031.79},{"sentences":[{"text":"I just wanna cover I just wanna cover it and keep it where it is until I get back to work.","start":2031.79,"end":2036.4501,"sentiment":"neutral","sentiment_score":0.03861763230746701},{"text":"I don't wanna go on down, but I just wanna hope hopefully make enough just to pay all the fees.","start":2037.445,"end":2042.585,"sentiment":"neutral","sentiment_score":0.036125967651605605},{"text":"Yep.","start":2107.845,"end":2108.345,"sentiment":"neutral","sentiment_score":0.040233731269836426},{"text":"Yes.","start":2137.49,"end":2137.99,"sentiment":"neutral","sentiment_score":0.02511665970087051},{"text":"No.","start":2158.185,"end":2158.5051,"sentiment":"neutral","sentiment_score":-0.22683972120285031}],"sentiment":"neutral","sentiment_score":0.03118182502856309,"num_words":44,"start":2031.79,"end":2158.5051},{"sentences":[{"text":"Just a little bit, I suppose.","start":2158.5051,"end":2159.805,"sentiment":"neutral","sentiment_score":-0.16249767442544302},{"text":"Yeah.","start":2161.225,"end":2161.625,"sentiment":"neutral","sentiment_score":0.03049575537443161},{"text":"I think well, maybe drop it to to say 70 high, 70% to 70 to 30, if you know what I mean, 30 percent for the low risk just just to get through this little period.","start":2161.625,"end":2179.62,"sentiment":"neutral","sentiment_score":-0.0024389485932058757},{"text":"Because I don't I don't think it's I don't think the market's gonna go go any good in the next couple of months.","start":2180.345,"end":2186.045,"sentiment":"neutral","sentiment_score":-0.2722429354553637},{"text":"Oh, yeah.","start":2204.06,"end":2204.72,"sentiment":"neutral","sentiment_score":-0.11522554978728294}],"sentiment":"neutral","sentiment_score":-0.11065192728796426,"num_words":68,"start":2158.5051,"end":2204.72},{"sentences":[{"text":"So 60 8%, that wouldn't cover the fees, really, would it?","start":2222.9949,"end":2226.4548,"sentiment":"neutral","sentiment_score":-0.02501067849384113},{"text":"Six percent wouldn't.","start":2226.83,"end":2229.01,"sentiment":"neutral","sentiment_score":0.006526673212647438},{"text":"Yeah.","start":2246.245,"end":2246.745,"sentiment":"neutral","sentiment_score":0.029021942988038063},{"text":"Yep.","start":2259.85,"end":2260.09,"sentiment":"neutral","sentiment_score":-0.003384099807590246},{"text":"Your fees aren't as much as the your fees aren't as much as the insurance fees.","start":2260.09,"end":2264.59,"sentiment":"neutral","sentiment_score":-0.31413546577095985}],"sentiment":"neutral","sentiment_score":-0.16425209540466312,"num_words":32,"start":2222.9949,"end":2264.59},{"sentences":[{"text":"That's what I'm trying to cover, the insurance fees more than anything.","start":2266.41,"end":2269.3901,"sentiment":"neutral","sentiment_score":-0.04241335981835922},{"text":"Because you you guys you guys earn your fee.","start":2270.17,"end":2272.99,"sentiment":"neutral","sentiment_score":0.04231078757180108},{"text":"The insurance the insurance don't earn their fee.","start":2274.545,"end":2277.525,"sentiment":"neutral","sentiment_score":-0.3286328986287117},{"text":"My level of cover is probably what I'd I'd be happy because well, I hope I go before my wife.","start":2322.21,"end":2328.305,"sentiment":"neutral","sentiment_score":0.22643736526370048},{"text":"So and then she can at least have a decent life after.","start":2328.305,"end":2334.565,"sentiment":"neutral","sentiment_score":0.24349393198887506}],"sentiment":"neutral","sentiment_score":0.07694177164650354,"num_words":61,"start":2266.41,"end":2334.565},{"sentences":[{"text":"Yes.","start":2392.175,"end":2392.59,"sentiment":"neutral","sentiment_score":0.12487240880727768},{"text":"So, like, an educated desk.","start":2487.8499,"end":2489.71,"sentiment":"neutral","sentiment_score":0.13779655918478967},{"text":"Yep.","start":2508.605,"end":2509.08,"sentiment":"positive","sentiment_score":0.33641594648361206},{"text":"Well, to be honest, I don't look at it anyway.","start":2550.72,"end":2552.58,"sentiment":"neutral","sentiment_score":-0.1839938037097454},{"text":"So the the way I've run this is pretty pretty much trust with you guys.","start":2555.025,"end":2561.345,"sentiment":"neutral","sentiment_score":0.19471717079480488}],"sentiment":"neutral","sentiment_score":0.06972158362623304,"num_words":32,"start":2392.175,"end":2561.345},{"sentences":[{"text":"So it was is it it has been going up.","start":2561.345,"end":2568.805,"sentiment":"positive","sentiment_score":0.5231377929449081}],"sentiment":"positive","sentiment_score":0.5231377929449081,"num_words":10,"start":2561.345,"end":2568.805}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ross. It's Dana from Okie Financial. How are you this morning?\n\nChannel 1: Very good. And you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. We had you booked in this morning to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Fantastic. Ross, just to sort of start with things, I just wanted to confirm. We obviously do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Beautiful. And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Ross Higgins. '87\n\nChannel 0: Yep.\n\nChannel 1: Blaux Court Sinclair.\n\nChannel 0: Yep. Beautiful. Thank you so much for that. Russ, just to sort of jump into things, I wanted to sort of touch base and start with this. Sort of funny at, what are you sort of hoping to get out of today's review?\n\nIs there anything particular you wanted me to kinda touch base on for you? Or\n\nChannel 1: How things are going while there's no contributions?\n\nChannel 0: Yeah.\n\nChannel 1: Because I've\n\nChannel 0: Perfect.\n\nChannel 1: yeah. Because\n\nChannel 0: Yep.\n\nChannel 1: I'm still\n\nChannel 0: Absolutely.\n\nChannel 1: out of work and don't know when I'll be going back to work.\n\nChannel 0: No. Understandable. I did wanna do a quick review of your file beforehand. I understand you've got a bit of a spinal injury. Is that right?\n\nChannel 1: Yeah. I've had surgery,\n\nChannel 0: Yeah.\n\nChannel 1: so, it it'll be a while till I get back to work.\n\nChannel 0: Okay. No worries at all. And the surgery obviously went well. Have they given you kind of any idea as to how long you might be off work for or whether you're able to go back to what you were doing?\n\nChannel 1: I can't go back to what I was doing, full stop.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yeah. So it's a matter of trying to find well, re reskilling altogether, I suppose. I gotta go back to school.\n\nChannel 0: Okay. I'm so sorry.\n\nChannel 1: Yeah.\n\nChannel 0: Wow. And because having a look at things, you were a landscaper before your injury. Is that right?\n\nChannel 1: Yes. Thirty\n\nChannel 0: Wow.\n\nChannel 1: thirty five years. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Thirty years.\n\nChannel 0: Wow. I'm so sorry to hear that. And so you're off work. You're having to go back and sort of look at what you can possibly do. Are you getting any assistance with reskilling or looking for other roles, or is that kind of something that's just pushed down the track for the time being, or where is that up to at the moment?\n\nYes,\n\nChannel 1: It's it's more of my my mentality.\n\nChannel 0: sir.\n\nChannel 1: They've told me to sit in an office, and I just can't do it. And\n\nChannel 0: It's\n\nChannel 1: I'm trying\n\nChannel 0: not\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: get\n\nChannel 0: same.\n\nChannel 1: my head around\n\nChannel 0: Oh, I'm so\n\nChannel 1: going\n\nChannel 0: sorry.\n\nChannel 1: back to school.\n\nChannel 0: Yeah.\n\nChannel 1: To\n\nChannel 0: Oh,\n\nChannel 1: be\n\nChannel 0: well,\n\nChannel 1: honest,\n\nChannel 0: I'm very sorry\n\nChannel 1: I I\n\nChannel 0: to\n\nChannel 1: don't\n\nChannel 0: hear\n\nChannel 1: wanna\n\nChannel 0: that.\n\nChannel 1: do something that I'm not gonna be happy with because I know I won't I won't stay. So I\n\nChannel 0: Absolutely.\n\nChannel 1: need to find something I wanna do.\n\nChannel 0: Yeah. Yeah. No.\n\nChannel 1: I\n\nChannel 0: Absolutely.\n\nChannel 1: used to be happy to get up to go to work.\n\nChannel 0: Yeah. And you were outside all the time and doing a lot more. It's very different when you're in that office environment. Absolutely.\n\nChannel 1: Yep. Yeah. So, yeah, I'm hoping to find something where I can still go on-site,\n\nChannel 0: Yep. Yep.\n\nChannel 1: But, yeah, I'll have to sort of fifty fifty with site and office work.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, we'll see what happens.\n\nChannel 0: Absolutely. Well, I'm very sorry to hear that's what you're going through at the moment. It can be very difficult, but I certainly do hope that something does come up for you soon. I did\n\nChannel 1: Oh,\n\nChannel 0: have\n\nChannel 1: yeah.\n\nChannel 0: a bit of a look back, and I know we have sort of tried the claim on that TDD policy, but because of the definition that was offered, it's you didn't quite meet that definition. It was declined. I'm very sorry that it happened. Did anyone sort of talk to you about the option of maybe trying to claim incapacity against this sofa? Is that something that anyone sort of had to check to you\n\nChannel 1: What? To try and take\n\nChannel 0: about\n\nChannel 1: money out of my\n\nChannel 0: previously?\n\nChannel 1: super?\n\nChannel 0: Yeah. So we\n\nChannel 1: Well,\n\nChannel 0: can\n\nChannel 1: I don't\n\nChannel 0: depending\n\nChannel 1: I\n\nChannel 0: you're right.\n\nChannel 1: don't want to. I don't need to.\n\nChannel 0: Don't need to. No. That's okay.\n\nChannel 1: No. At\n\nChannel 0: Not\n\nChannel 1: the\n\nChannel 0: a\n\nChannel 1: moment,\n\nChannel 0: problem\n\nChannel 1: I'm still\n\nChannel 0: at all.\n\nChannel 1: on workers' compensation, so I'm still getting paid every week.\n\nChannel 0: Yep.\n\nChannel 1: A top up would be nice, but I don't wanna touch my super.\n\nChannel 0: No. That's understandable. It is always an option if you wanted to down the track. Now having a look at things, you are still very young, so I'm pretty sure your doctor is trying to find ways to get you back to work. But if you did need to in the future, we can claim a permanent incapacity against your super.\n\nEssentially, it is sort of similar to claiming PPD against TPD covers that we would need to get doctor's reports. We need to be able to prove you can't go back to any occupation for which you're trained eligible or have worked. So it is kind of an any occupation definition, and it is a very broad definition. So it is very hard to claim on, but it is\n\nChannel 1: Yes.\n\nChannel 0: something if you wanted to down the track, we can help you with. I do apologize. It's not something that someone sort of possibly brought up in the past, but that is an option down the track that we could always try to claim on that. I do have to let you know that there are taxation rules around us. So if a claim was made on your super and you decided to take it all as a lump sum, it does you are taxed up to 22% because you're under the age of 60.\n\nSo there are taxes involved. But if it's something you wanna do down the track, have a chat with myself or one of the advisers here. We can help with the claim to assist you and try to get it through. But we can also provide advice on how to try and limit or minimize the tax consequences for doing so as well. Okay?\n\nChannel 1: Not a problem. I just\n\nChannel 0: All\n\nChannel 1: no. I\n\nChannel 0: good.\n\nChannel 1: wouldn't touch my system full stop. I'll find\n\nChannel 0: No.\n\nChannel 1: ways\n\nChannel 0: That's\n\nChannel 1: around\n\nChannel 0: okay.\n\nChannel 1: it.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Now I've just also logged in to your super because your main question was how's your super doing. So having a look at things at the moment here, I'm just having a look at the transaction report as well.\n\nBut your balance in the super account at the moment is showing $63,021.98. Just quickly pulling up a report. I do apologize. It takes a second.\n\nChannel 1: And what\n\nChannel 0: Here\n\nChannel 1: was\n\nChannel 0: we\n\nChannel 1: what\n\nChannel 0: go.\n\nChannel 1: was it at at the same point last year?\n\nChannel 0: Yeah. You're right. So at the same point last year, we had a balance of Sorry. Just taking a second to build. Might be a moment.\n\nSo sorry. My computer's a bit slow. It's the first one of the day. Okay. So when I'm looking at the the performance report for the last twelve months here, it is showing the balance as of last year was opening value showing 66,166.\n\nSo it is down a little bit on where you were this time last year. So it is has gone backwards a little bit, but that is purely because of what's been sort of happening in the markets generally. There has been a lot of volatility in ups and downs there. With your investments as well, now you did originally also have in your investments that been along Australian equities. Do you remember seeing an email come through with a record of advice in the last few months?\n\nChannel 1: No. I don't really check my\n\nChannel 0: No.\n\nChannel 1: emails very often.\n\nChannel 0: That's okay. So, obviously, with what's been happening in the markets generally and because, you know, portfolio hasn't really been getting any additional contributions and that we have seen a bit of volatility. So your portfolio has kinda gone backwards there. It is down about $3 from where you were this time last year. It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward.\n\nBut you also have been along Australian equities in there, and we sent you a record of advice. We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year. So we actually had that removed because that investment was no longer seen as a a positive investment. It was having more of a negative effect on your portfolio, and that's part of the reason it has been down for the last year as well. We have taken steps to remove that out there.\n\nSo if you have a look at your emails, you will see that record of advice in there. We've removed Bannalong out of there, and we've put you into the BetaShares a 200, which is more of a passively lower cost investment, which has not been underperforming as much as Bennelong has. So moving forward here, we just wanna have that kind of help to boost your portfolio, hopefully have it come back and provide a bit more growth there as well. But I'm being really honest with you. Portfolio has been down a little bit for the last year.\n\nIt is down solely because of what we're seeing, the volatility in the market at the moment with what's been happening both globally and within Australia. So, globally, we all sort of hear about the Iran war and what's happening with The US and Iran and Europe as a whole. But then in Australia, we also have because we still have good good sorry. I'm looking for the word. The economy has been doing quite well with regard to employment, sorry, is the word I'm looking for.\n\nSo we do actually have very high inflation at the moment as well, which is kinda hitting us on a different side of things and has been affecting some of the bonds and fixed interest components that we're seeing at the moment. So you are down a little bit on this year. It is showing still a positive return when we're looking at the growth there, but your balance is a bit lower from where you were this time last year, and that's kind of the reason for that. What I would like to maybe do is have a bit of a look. You're in more of a high growth environment as well.\n\nHas anyone kinda talked to you about reevaluating the risk level that you're undertaking? Has anyone kinda done a a risk profile with you recently or on the last twelve months ago? Do you know?\n\nChannel 1: Not that I know of. No.\n\nChannel 0: No. That's okay. So the other sort of thing you've got here is that you're in more of a high growth environment in your portfolio as well. And while taking on high growth is great when we're we've got twenty years of our time and however, you are taking a bit more risk in the market. So it does mean when the market's performing really well, that the returns can be really great and really high.\n\nHowever, when we see times of large volatility like what's been happening at the moment, it does mean that when your portfolio sees dips, those dips are magnified a bit more, and you do do see more of a downside. And you can feel it a lot more as your balance increases as well. So I would maybe like to maybe talk to you about your risk profile. We maybe could look at reducing that risk a little bit in the market, which can also sort of help, but then doing a few more catch ups throughout the year as well, just checking to see how things are going and maybe, you know, look at how your portfolio is reacting, make sure we can see some sort of recovery moving forward. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Do you have any questions? I know I kinda go through a lot. Do you have any questions so far? Is there anything that you wanted to maybe touch a bit more on?\n\nOr\n\nChannel 1: Well, just what was it what was my balance before the war started?\n\nChannel 0: yeah. That's okay. Let's go back and have a bit of a look for you. So I'll go back into the report section because I can generate reports for all different times and dates. So let's look at last year up until the end of the year as a calendar year, and then we can kinda see where you were tracking for that year for the full calendar\n\nChannel 1: Yep.\n\nChannel 0: year last year because it was kind of from January onwards that we've seen a lot of this volatility\n\nChannel 1: Yep.\n\nChannel 0: with what's been occurring. And that kinda gives you an idea for where you were tracking and how much of a positive return it was, and then you can sort of see the pullback for this year and the volatility there. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So sorry. Won't be two seconds. I just gotta generate the report. Beautiful. So let's do custom.\n\nHard to believe it's already April this year, isn't it?\n\nChannel 1: Oh, no. It's gone very quick.\n\nChannel 0: This year is flying by. I feel like the older I get, the more it flies by. There we go. Okay. So I'm just generating the calendar year report for you now.\n\nJust take a second to generate that. This is looking from the December 1 January 1 year to the December 31 year.\n\nChannel 1: Yeah.\n\nChannel 0: And that's showing here because you were also working for part of that point last year as well, weren't you?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: I've been off\n\nChannel 0: Not\n\nChannel 1: since\n\nChannel 0: off work?\n\nChannel 1: January.\n\nChannel 0: Okay. So off for over twelve months now. Beautiful. Okay. So\n\nChannel 1: On the '20 like, the January 21, I think, is when I stopped\n\nChannel 0: Okay.\n\nChannel 1: working.\n\nChannel 0: Yep. Yep. Perfect. Sorry. It's just thinking.\n\nIt's loading. I've got that little spinning circle on my computer. Love that.\n\nChannel 1: Lovely.\n\nChannel 0: I might actually look at our inception report as well for you because that'll kinda give you an idea of what's been happening over since you since you came on board originally. It is sort of encompassing this year as well, so it may show a neg hopefully, it doesn't show a negative result, but the volatility we are seeing at the moment has been a bit up and down. Here we go. Okay. So the inception report was the quickest one to generate.\n\nThe other one's still loading for me, unfortunately. But it does show that the net return since inception there. There. So you came on board originally around about 2020 to 2026. So the return as a whole is about 3.87%.\n\nSo it is a bit low for inception. It looks like you were tracking pretty well last year, up sort of around about five to 6% for last year until that volatility kinda hit. So your portfolio has done quite well for the last twelve months. We had been tracking higher, but then what sorta happened from January to now is kind of pulled it back a little bit. And a lot of that is due to, you know, with where you are.\n\nObviously, contributions do make a bit of a difference in this paper. But with no contributions, you are kind of just hoping the portfolio holds its own. So when we see volatility, we are taking more risk in the market. We are gonna taking more risk in the market. We are gonna feel that volatility a lot more.\n\nWe tend to feel the dips a lot heavier than we do the the ups the ups out of the portfolio. So that's kind of where things are going at the moment. We do. There's no real idea on how long this is going to last. In the last sort of sorry.\n\nIn the last sort of two weeks, we have seen the market take a bit of a dip, but we've also seen some recovery points there. So with your portfolio, with that record of advice that had been sent out in the last couple of weeks to you, with removing that alone, you have then seen a little bit of a recovery point there. So you're still down by about $3 on where you were last this time last year. However, we have seen a little bit of recovery points. The market was up by just under a percent yesterday, and your portfolio the a 200 that we've replaced it with is currently also showing an increase of about 4% there for you.\n\nSo what I would like to do is maybe not change anything in the portfolio at the moment. Let's give it maybe a little bit of time. Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to. What I would probably also like to look at doing is maybe readjusting your risk level. So maybe moving you out of that high growth environment because there's no contributions going in.\n\nAdjusting that risk level, you can still see great returns with a lower risk portfolio, but you're sort of just, you know, limiting some of those higher risk investments. So we're kind of hoping to have a little bit less of that volatility side of things. Does that sound fairly comfortable for where you're at, or what are your thoughts in relation to that now?\n\nChannel 1: What what sort of just I'm not\n\nChannel 0: You're\n\nChannel 1: too\n\nChannel 0: right.\n\nChannel 1: fussed about it making making it go up. I'm more\n\nChannel 0: Yeah.\n\nChannel 1: covering the cost of the account, if you know what I\n\nChannel 0: Yeah.\n\nChannel 1: mean,\n\nChannel 0: Of\n\nChannel 1: for\n\nChannel 0: course.\n\nChannel 1: for you guys\n\nChannel 0: Yeah.\n\nChannel 1: and my insurances.\n\nChannel 0: Yeah. Absolutely. So the insurances at the moment, you've got your life and TPD coming out of there. They are showing a for this twelve months, the total cost there for the insurances that came out of super was $5,076.56. If I have a look here at the portfolio report that I've got\n\nChannel 1: So\n\nChannel 0: just\n\nChannel 1: I've\n\nChannel 0: go\n\nChannel 1: sort\n\nChannel 0: back\n\nChannel 1: of made,\n\nChannel 0: to that one.\n\nChannel 1: like, 2,000 then.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So 5,000\n\nChannel 0: It has covered.\n\nChannel 1: coming out. Yeah.\n\nChannel 0: Yeah. It has definitely covered the cost of our fees because the return I give you is always net of fees.\n\nChannel 1: Yeah.\n\nChannel 0: So on the last twelve months there, the return after the cost of our fees for looking after the super and also after your insurance premiums have come out, you've still seen a a growth of $1,314.64 as a dollar figure. So that is still showing a positive result. It's just that the total portfolio was down because of you know, you you got a little bit less in there than you did this time last year. But you are still seeing income, so we're looking at dividends that are being paid out of the portfolio that gets put back into the cash account and reinvested into the investment portfolio for dividends and the compounding effect.\n\nChannel 1: Yeah.\n\nChannel 0: And then you do see that additional growth there as well. The growth is kinda where it's all had that pullback. You're still getting income. When I look at the income that's been coming out, the dividends that have been paid out of the the individual investments, it's still happening. It's still a positive result there.\n\nThe biggest thing is the growth component, which is the change in the investment prices. So that's currently down at the moment, and that's where the pullback sort of thing. It is expected. It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it. We kind of have to wade through this time.\n\nBut I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things. I mean, with with regards to the high risk component, the portfolio you're in, you're welcome to stay in that portfolio if that's where you'd like to be. But with no contributions going into the super until you kind of are able to go back to work. We are sort of hoping it's just making sure this the portfolio is working, and it's kind of only half the job. It's sort of like getting in a car and sort of hoping that it drives on minimal fuel without putting fuel in on a regular basis.\n\nYou kinda end up, you know, running on fumes. So portfolios will work. You do get income and dividends and growth and things, but you're not sort of getting it. It doesn't do the whole job. Contributions do make a bit of a difference.\n\nPutting money into the portfolio on a regular basis does definitely help with the compounding effect. It allows you to take allows you to take the benefit from when the markets are in a dip like we have seen in the last few months, putting money in and taking advantage of the downtime in our portfolio. But it's completely understandable that you can't at the moment with everything that you've got going on, but it is with regards to where we are at the moment. A selling investment is just cementing those losses and not sort of letting your portfolio have a chance to recover out. So we it is best to sort of hold and wait for the moment just to see where things are going, especially since this is, like, a market wide thing.\n\nIt's affecting everybody. It's affecting retail funds, industry funds. Everyone's portfolio performance is having a bit of a bit of a downtime at the moment with regard to what's going on. And yeah. So I would suggest sort of holding and waiting for the moment.\n\nI'd love to maybe move you out of that high growth environment, maybe reduce your risk a little bit down. But at the end of the day, it's gotta be what you're comfortable with as well. So what's your thoughts in relation to that? If you want me to break things down, you can you can let me know, Ross.\n\nChannel 1: No.\n\nChannel 0: That's fine.\n\nChannel 1: It's just your your opinion's pretty much what I go off.\n\nChannel 0: Yeah. Yeah. Perfect. Perfect. Well, let's maybe run through those risk profile questionnaire.\n\nLet's I'll ask you the questions. We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking. Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward. Does that sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Fantastic. The first one here is have you ever invested in any shares in your own name in the past? Have you ever had investments outside of super in your own name?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. All good. Beautiful. The next one here is what sort of time horizon you're looking at before accessing super.\n\nSo look at your age. You're still very young. You can't technically access super to the age of 60 there, so I'll just take that first box there for you. Okay? Perfect.\n\nNow the next one here is a really good in is a really good question in relation to what's happening at the moment. So so it\n\nChannel 1: Sorry.\n\nChannel 0: does say here that inflation means that things are getting more expensive over time, but inflation tends to devalue at the cost of our money. So a $100 is is isn't worth a $100 next year. It is devalued by inflationary risk. So the question here is how much risk do you feel you're comfortable with in your super? How much risk do you feel comfortable taking with now in order to get greater long term results knowing that there is a lot of volatility in the shorter term like what we're seeing at the moment?\n\nDo you think you're comfortable taking on more of a higher level of risk in order to get greater long term performance, but knowing there is a lot more volatility and you feel it greater in the shorter term? Do you consider yourself to be maybe in a moderate or medium capacity where you'd be happy happy taking some risk, but maybe not a lot? Or do you feel comfortable taking no risk in the and getting lower returns? How do you sort of feel that you fit I'm sorry.\n\nChannel 1: Look. I'm I'm I'm not really not sure. Probably between moderate and high. So\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: I don't wanna lose it all, but, yeah, I wanna\n\nChannel 0: Yeah.\n\nChannel 1: like I said, I just wanna cover\n\nChannel 0: Yep. The cost.\n\nChannel 1: all the all the fees, really, sort\n\nChannel 0: Yep.\n\nChannel 1: of keep it I wanna keep it at, like, $60.66 ish.\n\nChannel 0: Yep. Yep. Absolutely. The next one here is about volatility, and it says, obviously, looking is super. We do understand.\n\nAnd at the moment, you are showing a bit more of a negative result because you are a little bit back from where you were this time last year. So because you do have a good twenty odd years before accessing super at this point in time, do how does it feel when you sort of do find your super has taken a bit of a a pullback with what's happening in the markets generally? Do you feel a bit more concerned? Are you just sort of wanting to speak to us and find out what's happening? Do you feel comfortable holding and waiting, or is it more making you giving you a bit of anxiety?\n\nHow do you sort of feel?\n\nChannel 1: It does worry me a bit, but,\n\nChannel 0: Yep.\n\nChannel 1: usually, when you have a slump, it goes back up again.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: I don't wanna if I pulled it down, would I miss the rise?\n\nChannel 0: Yeah. Yep. And that's a really good sort of point because that is that's exactly what we sort of don't wanna be doing. We don't wanna have to cement losses, but it's also a bit of a juggling guess because whilst you don't wanna cement losses while the market is having a bit of a pullback, you also don't wanna take on too much risk in the market than what you're comfortable doing. So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking\n\nChannel 1: Yeah.\n\nChannel 0: in order to get that long term recovery. Other times, if you're still comfortable being in that high growth environment for a little bit longer, you wanna sort of see if it can come out, we can always just hold and wait because realistically and there's a really great report that Vanguard did a few years back where they looked at, you know, the idea of staying in the market, participating in the market in index funds, and just waiting through those market ups and downs and staying invested through the downtimes and allowing the portfolio to come through recovery versus active managers who were trying to outperform the market and trying to pick when to buy in. And they sort of worked out that if you miss the best and worst days, depending on how much you had invested and the risk level that you were taking, they averaged it out that you could yeah. They averaged that that you could be missing over the course of ten or twenty years about 20 to $50,000. So,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, selling in the downtime is not preferable. However, it also so it also comes down to your comfort level as well. So I've got\n\nChannel 1: So\n\nChannel 0: with\n\nChannel 1: hindsight,\n\nChannel 0: our book\n\nChannel 1: it would\n\nChannel 0: here,\n\nChannel 1: have\n\nChannel 0: I'd\n\nChannel 1: been good to change it all back in January\n\nChannel 0: absolutely.\n\nChannel 1: and then\n\nChannel 0: Hindsight's\n\nChannel 1: probably\n\nChannel 0: a\n\nChannel 1: put\n\nChannel 0: beautiful\n\nChannel 1: it back up in\n\nChannel 0: thing.\n\nChannel 1: a few more months.\n\nChannel 0: Absolutely. Absolutely. But in this scenario, you're also trying to time the market, and that's not something that we're able to do. No one can time the market perfectly. I\n\nChannel 1: Nah.\n\nChannel 0: can\n\nChannel 1: Nah.\n\nChannel 0: safely\n\nChannel 1: Yeah.\n\nChannel 0: say, if I could, I wouldn't have a job. I'd be sitting on a yacht somewhere, time in the market and investing money. So, you know, it's\n\nChannel 1: And\n\nChannel 0: not\n\nChannel 1: I'd\n\nChannel 0: about\n\nChannel 1: be retired\n\nChannel 0: sort of\n\nChannel 1: already because you would've\n\nChannel 0: absolutely.\n\nChannel 1: done my job for me.\n\nChannel 0: Absolutely. So there is a lot to say for being passively invested and just staying within the market here. And having a look at the investments that you're invested in between the a 200, you've got some physical gold, which is showing good positive returns to the year. You've got the S and P 500, some European exposures, some Japanese, and some cybersecurity in there. And those sorts of investments have all been around for a very long time, so they have seen those market ups and downs.\n\nA lot of these investment options have been through downtimes like the GFC in the early two thousand eight, 2009 sort of period through COVID. And they've gone through those downtimes, seen more of a drop than what we've got at the moment, and still come back and shown recovery and grown and had growth from there. So we definitely haven't put you in anything that is really speculative or not safe in any way, shape, or form. All investors have a certain degree of risk, but all these investments have have seen a track record. So I hate the word safe.\n\nI shouldn't have thrown that out there, but, essentially, it's a you know, these investments have seen the track record. They have been through downtime. They have seen really big huge drops in the market and being through those and come out the other side. The other sort of thing I do like is with the S and P 500 and the a 200, you're invested in the top 500 companies in The US or the top 200 companies in Australia with the beta shares a 200. One of the good things about those sorts of index funds is that you are technically you are technically invested in the top companies there, and these are in these are funds that follow or track an industry.\n\nSo with the S and P 500, it tracks the S and P 500 index, and the investment committee within the index there, they actually meet every quarter, and they make sure the companies within that index actually meet the criteria to be in the S and P 500. If those companies or if some of the companies in that no longer meet the criteria, they are removed out of the index, and then other companies are moved in that do meet the criteria. So you can sort of show you always invest in the top companies there. Companies that don't meet that criteria are removed out and, you know, other ones are replaced. And the same thing happens with the a 200.\n\nIt's about being invested in the top 200 companies at all times. And when companies no longer meet the criteria to be in that industry, then they are removed out and other companies are replaced there. So it is a good way to be invested, making sure you're always following the top companies in those industries. You've also got some physical gold in here as well, and gold is more of as well as a growth asset, it also works defensively. And for the last twelve months, gold has done really, really well, and that has kinda had a really good effect on your portfolio.\n\nSo at the moment, the return just for gold shows that in your portfolio, you are up by 24.8%. The gold has had a really good effect on your portfolio this year, and it has sorta helped to keep to keep the negative return a little bit minimized. Does that make sense?\n\nChannel 1: Yeah. Does\n\nChannel 0: Yeah.\n\nChannel 1: that does that\n\nChannel 0: Yeah.\n\nChannel 1: mean it's probably due to go down now?\n\nChannel 0: Who knows? Honestly, who knows? We I remember in February, there was that one day when we did see it was between 11 to 18% dip in one day, so we did see a huge drop. But gold is still really heavily sought after,\n\nChannel 1: Oh,\n\nChannel 0: both\n\nChannel 1: yeah.\n\nChannel 0: as I mean, I love gold as a female, but then it's also a great investment. And with the volatility we are still seeing at the moment, there is still a a big ask for gold that has still been seen good growth there as well. So, you know, it is definitely still needed, still wanted. And whilst it may have a dip coming, we don't know. It's it's definitely worth keeping your portfolio.\n\nI've got a lot of clients who have wanted to have a bit more in the way of commodities at the moment, especially some of my older clients that are closest for retirement. Just wanted to have a little bit of extra commodities, a bit of that gold and silver and things like that. So your gold has\n\nChannel 1: Yep.\n\nChannel 0: done really, really well and has had a benefit for your portfolio to helping minimize that that drop that you're seeing at the moment. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: That's okay. Has that helped? Is it giving you a bit more clarity? Did you wanna ask anything further? You're welcome to ask more questions or have me clarify anything further for you.\n\nChannel 1: No. It's it's as clear as it's gonna be for me.\n\nChannel 0: Yeah. Excellent. Excellent. Would you like us to maybe set up so we can do maybe a catch up with you in did you want maybe three months, six months, or how long before you would want maybe another catch up for you? I'd love to make sure that we're doing additional catch ups with you.\n\nChannel 1: Another three months if we could.\n\nChannel 0: Yep. Yep. Absolutely. Beautiful. What I\n\nChannel 1: Hopefully,\n\nChannel 0: you're\n\nChannel 1: Trump's sort of sorted his stuff out by them.\n\nChannel 0: you know what? We need to have him on our on our call list. We need to get him on our radar so we can just get him to, you know, man help maneuver markets when we need them to.\n\nChannel 1: Yeah. Let us know when he's gonna do something stupid.\n\nChannel 0: Absolutely. No. That's all good, honestly. It look. It's as I'd never wanna sort of provide any I never wanna lie to you.\n\nI wanna be honest. Your portfolio has shown it is down a little bit, but we do wanna obviously keep it tracking and do a bit of more of a catch up with you to sort of see if the next three months can provide a bit more of a recovery or how things do move since we've moved and changed that van along out of there. That as I said, that was one of the things that kind of made a bit of a a difference to your portfolio over the last few months as well as what's happening with the markets generally. But now that we've moved that investment out of there, it was underperforming. We've gotten rid of it for you.\n\nWe've put that a 200 in there. We'll just sort of see how that tracks and see what happens over the next few months there. Did you wanna maybe look at reducing your risk level, or did you want us to sort of stay in this portfolio for the next twelve months knowing that it is high growth that you are taking on a little bit more risk in the market? How do you sort of feel about that?\n\nChannel 1: Well, I was thinking if I could put it down now,\n\nChannel 0: Yep.\n\nChannel 1: put it down to say the mid range,\n\nChannel 0: Yep.\n\nChannel 1: and then look at it again in three months,\n\nChannel 0: Yep.\n\nChannel 1: and then\n\nChannel 0: We can\n\nChannel 1: maybe\n\nChannel 0: do\n\nChannel 1: change\n\nChannel 0: that.\n\nChannel 1: it then. Hopefully,\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: Yep.\n\nChannel 1: market changes a bit.\n\nChannel 0: Yep. Absolutely. We can definitely look at doing that for you. I just have two more questions to ask with regard to this one here. The last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds?\n\nHas there ever been something you've done or thought about doing?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Beautiful. Having a look\n\nChannel 1: I did,\n\nChannel 0: at\n\nChannel 1: actually.\n\nChannel 0: your\n\nChannel 1: I thought about it and then and then\n\nChannel 0: didn't.\n\nChannel 1: went back. I don't know when the whole Bitcoin thing come about.\n\nChannel 0: Yeah. That's okay. And having a look at your circumstances, you're not you're renting at the moment. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's okay. Have you ever owned a home or ever wanted to, or is that kind of a a goal you maybe have moving forward to buy a property or investment property, or was that not\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: It\n\nChannel 0: of\n\nChannel 1: is a goal, but it's just not a goal reachable at the moment.\n\nChannel 0: yep. Yep. That's okay. Not a problem at all. Beautiful.\n\nAnd the last one here is sorry. The last one here is looking at kind of the average return that we're looking to achieve. Are you sort of wanting to try and get the best returns you possibly can out of your portfolio, or you sort of happy to, you know, understand looking for sort of a set average rate of return. What's your sort of thought there?\n\nChannel 1: I I don't understand what you mean there. I just wanna\n\nChannel 0: So that's\n\nChannel 1: cover I just wanna cover it\n\nChannel 0: yeah.\n\nChannel 1: and keep it where it is until I get back to work.\n\nChannel 0: Beautiful.\n\nChannel 1: I don't\n\nChannel 0: Beautiful.\n\nChannel 1: wanna go on down, but I just wanna\n\nChannel 0: Yeah.\n\nChannel 1: hope hopefully make enough just to pay all the fees.\n\nChannel 0: Yeah. Absolutely. Perfect. Excellent. Now looking at that one that you have scored as a growth investor.\n\nSo with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest. With regards to the high growth portfolio that you're kind of looking at and are in at the moment, you generally sort of expect a negative return sort of one in every five years. And you're sort of looking to try and get an average rate of return of about 8% eight to 10%. So anything under that 8% is a bit more of an underperformance or a lower rate of return for the year. Anything over that 10% is kind of, you know, over performance, and you've done exceptionally well.\n\nWhat we can sort of maybe look at doing if you would like to is maybe just adjust the risk level a little bit. So you're dropping it by about 10%. It's sort of starting to reduce it in increments. It\n\nChannel 1: Yep.\n\nChannel 0: drops you down to the growth portfolio, which generally sees about 80% in those growth investments. We're not having to change the whole portfolio. We can try and do it so it minimizes the changes as much as possible, minimizes the CGT consequences in your portfolio, and just reduce those growth assets down to about 10 five sorry, to 80%, so dropping it down by 10% there, and then increase those defensive investments by about 20 220%. So it's by about 10% alteration there.\n\nChannel 1: Yes.\n\nChannel 0: The expected average return you're sort of looking at with the growth portfolio is about seven to 9%. So you're not sort of having a huge change. It's kinda dropping it down just a little bit. Does that feel sort of where your comfort level might be, or did you want to sort of see a bigger change to your portfolio and the risk level? What's your thought?\n\nChannel 1: No. Just a little bit, I suppose.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think well, maybe drop it to to say 70 high, 70% to 70 to 30, if you know what I mean, 30\n\nChannel 0: Yeah.\n\nChannel 1: percent\n\nChannel 0: Yep.\n\nChannel 1: for the low risk\n\nChannel 0: Yeah. Absolutely. Yep. That's\n\nChannel 1: just\n\nChannel 0: that's\n\nChannel 1: just to\n\nChannel 0: just\n\nChannel 1: get\n\nChannel 0: dropping\n\nChannel 1: through this\n\nChannel 0: it down\n\nChannel 1: little period.\n\nChannel 0: one extra. Yeah.\n\nChannel 1: Because I\n\nChannel 0: Absolutely.\n\nChannel 1: don't I don't think it's I don't think the market's gonna go go any good in the next couple of months.\n\nChannel 0: It's it's a bit up in there at the moment. Who knows what's gonna happen? You kinda get some news coming out of The US, and everyone kinda goes, yay. It looks like it might all be over soon, and then all of a sudden, something happens tomorrow. Trump has a bit of a spat on social media.\n\nYou know, he swears at somebody, and then it all kinda drops again. So\n\nChannel 1: Oh, yeah.\n\nChannel 0: who knows who knows what's gonna happen? But that seventy thirty sort of split is dropping it down to the balanced growth environment there. We're sort of averaging to try and obtain a six to 8% return there. You've got about 70% in those growth investments. You're increasing the defensive lower risk investments to 30%.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: 60\n\nChannel 0: the likelihood\n\nChannel 1: 8%,\n\nChannel 0: of\n\nChannel 1: that wouldn't cover the fees, really, would it?\n\nChannel 0: well,\n\nChannel 1: Six\n\nChannel 0: it really depends, and\n\nChannel 1: percent\n\nChannel 0: it's important\n\nChannel 1: wouldn't.\n\nChannel 0: it's important to note that without ongoing service fee, it is a percentage based fee as well. So it's 1.65% per annum, but it is in line with what's happening in your portfolio. So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it. So our\n\nChannel 1: Yeah.\n\nChannel 0: fee is relative and linked to what your portfolio is doing. When the portfolio is higher, our fee is gonna be higher. What if portfolio is taking a bit of a dip due to what's happening externally, then our fee will take a bit of a dip there with it. So it is\n\nChannel 1: Yep.\n\nChannel 0: very\n\nChannel 1: Your\n\nChannel 0: much\n\nChannel 1: fees aren't\n\nChannel 0: relative\n\nChannel 1: as much\n\nChannel 0: to what's\n\nChannel 1: as\n\nChannel 0: happening.\n\nChannel 1: the your fees aren't as much as the insurance fees.\n\nChannel 0: No. Correct.\n\nChannel 1: That's\n\nChannel 0: Correct.\n\nChannel 1: what I'm trying to cover, the insurance fees more than anything.\n\nChannel 0: And yeah. No.\n\nChannel 1: Because\n\nChannel 0: That's okay.\n\nChannel 1: you\n\nChannel 0: With\n\nChannel 1: you guys\n\nChannel 0: the insurance\n\nChannel 1: you guys earn your fee.\n\nChannel 0: yeah. Well, thank you.\n\nChannel 1: The insurance the insurance don't earn their fee.\n\nChannel 0: Yeah. Well, with the with the insurance that you do have at the moment, obviously, it's quite high. Did you wanna look at maybe, you know, reducing or reevaluating the insurance? I know with TPD, you have that ADL definition, which is a bit harder to claim, and I wouldn't wanna sort of remove that completely. But you've got a sum insured here at the moment of $687,003.03 4.\n\nIn the event that you were to pass away, your life insurance is paid up, but so is your super balance. Did you wanna look at maybe reducing the level of cover you have to see if that can gen does generally also reduce the premiums as well, or do you feel like that level of cover you have is what you need?\n\nChannel 1: My level of cover is probably what I'd I'd be happy because\n\nChannel 0: Yes.\n\nChannel 1: well, I hope I go before my wife. So\n\nChannel 0: Yeah.\n\nChannel 1: and then she can at least have a decent life after.\n\nChannel 0: Yep. That's okay. We can leave it as it is. We can I can go back and just have a look at the balanced growth portfolio, have a look at, you know, what it is doing, have a look at how we maybe adjust that? We do have a couple of different options.\n\nSo we do have just maybe maneuvering and readjusting the current portfolio you're in. I could also look at other portfolios to see if maybe they've got, you know, investors that have been working a little bit harder, maybe move it up to one of the newer balance growth portfolios, I'll look at the CGT consequences for you and have a bit of a look at all the factors and see what we've got what we're doing there. The other thing we can look at is we've also recently set up our own investments and o f u investment option. It's called an estimate, so separately managed account. At the moment, when you look at your super, you can currently see all the different investment options that you have in there.\n\nSo you've got you can see your physical gold. You can see the a 200,\n\nChannel 1: Yes.\n\nChannel 0: the cybersecurity, and the S and P 500. The difference to this SMA product is that if you kind of move into that, when you look at your Netwealth account, all you would see is your balance and the SMA and what it where it where it's at at the moment. You wouldn't see all the underlying investment options. The benefit of this kinda SMA product is that by by if you chose to go into it, if it works well for you, The underlying there are kinda controlled by our investment committee, and we've actually built that in line or in coordination with BlackRock. So BlackRock are one of Australia's largest investment firms, and we utilize their investment committee, their research houses, their analysts to build this sort of SMA product.\n\nWithin the SMA, we can have anywhere from, say, five to 20 to 50 different investment options, but it allows us to be able to make make changes to the investments without having to update the advice for you. So as a really good example, with the SMA, last week, we were able to meet with the investment committee. Sorry. That was two weeks ago. I apologize.\n\nWe were able to meet with the investment committee and the BlackRock investment team. Because of what's been happening globally, they actually made some changes to their estimate products. They checked took out some investments, reduced exposure into some investments, added some in, and increased exposure to different areas. They essentially, what they did to work out that was they had a look at what was happening globally, what was happening in that portfolio, and they had a look at the risk level and where they see or where the analysts see the market's moving to in the future. They then were able to\n\nChannel 1: So,\n\nChannel 0: make\n\nChannel 1: like,\n\nChannel 0: changes\n\nChannel 1: an educated\n\nChannel 0: to that estimate.\n\nChannel 1: desk.\n\nChannel 0: Absolutely. Absolutely. It's the same as what we're doing with investments. The main difference is that we can make changes there without having to update advice without having to tell you that we're making changes. So your portfolio has always been evaluated and altered and rebalanced underneath without having to update the advice.\n\nChannel 1: Yep.\n\nChannel 0: It kind of means that we get a lot more control around making changes to the investments for you. You lose a little bit of visibility on what you're invested in. We do get change reports and updated reports every time chain like, whenever changes are made, but it's not something everyone wants to do. I do have some clients who prefer to see those investments in this super and other clients who are happy to remove that visibility aspect, just see what their balance is, and hand over control of maneuvering investments to us without having to update advice. What's your sort of thoughts around that?\n\nWould you like me to look at that and see if it provides the benefit, or would you like to just sort of see your investments in your super? What's your sort of thought?\n\nChannel 1: Well, to be honest, I don't look at it anyway. So the the way I've run this is pretty pretty much trust with you guys. So\n\nChannel 0: Yep. Yep. Yep. Beautiful.\n\nChannel 1: it was is it it has been going up.\n\nChannel 0: Hi, Ross. Can you hear me? Hello, Ross.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02298309840261936}],"sentiment":"neutral","sentiment_score":0.02298309840261936,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Ross.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.11323649808764458},{"text":"It's Dana from Okie Financial.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.16691260039806366},{"text":"How are you this morning?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.2371506541967392}],"sentiment":"neutral","sentiment_score":0.18723243909577528,"channel":0,"num_words":12,"start":2.6399999,"end":6.1},{"sentences":[{"text":"Very good.","start":6.24,"end":6.96,"sentiment":"positive","sentiment_score":0.6021261215209961},{"text":"And you?","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.3712325096130371}],"sentiment":"positive","sentiment_score":0.4866793155670166,"channel":1,"num_words":4,"start":6.24,"end":7.7},{"sentences":[{"text":"I'm very well.","start":7.9199996,"end":8.88,"sentiment":"positive","sentiment_score":0.5721036394437155},{"text":"Thank you.","start":8.88,"end":9.36,"sentiment":"positive","sentiment_score":0.6460510492324829},{"text":"Thanks for asking.","start":9.36,"end":10.4,"sentiment":"positive","sentiment_score":0.6020964781443278},{"text":"We had you booked in this morning to go through your annual review.","start":10.559999,"end":13.2,"sentiment":"neutral","sentiment_score":0.2969996929168701},{"text":"Is now still a good time there for you?","start":13.2,"end":15.299999,"sentiment":"neutral","sentiment_score":0.27343031267325085}],"sentiment":"positive","sentiment_score":0.3712190424402555,"channel":0,"num_words":30,"start":7.9199996,"end":15.299999},{"sentences":[{"text":"Yeah.","start":15.385,"end":15.785,"sentiment":"neutral","sentiment_score":0.1307055503129959},{"text":"Yeah.","start":15.785,"end":16.285,"sentiment":"neutral","sentiment_score":0.1460135579109192}],"sentiment":"neutral","sentiment_score":0.13835955411195755,"channel":1,"num_words":2,"start":15.385,"end":16.285},{"sentences":[{"text":"Yep.","start":16.545,"end":17.025,"sentiment":"neutral","sentiment_score":0.27332815527915955},{"text":"Fantastic.","start":17.025,"end":17.525,"sentiment":"positive","sentiment_score":0.6488168239593506},{"text":"Ross, just to sort of start with things, I just wanted to confirm.","start":18.705,"end":21.585,"sentiment":"neutral","sentiment_score":0.3126420917419287},{"text":"We obviously do record our calls for quality and training purposes.","start":21.585,"end":24.305,"sentiment":"neutral","sentiment_score":0.21559521826830777},{"text":"Are you happy for me to proceed with that moving forward?","start":24.305,"end":26.805,"sentiment":"positive","sentiment_score":0.3341741453517567}],"sentiment":"neutral","sentiment_score":0.29821500464065653,"channel":0,"num_words":37,"start":16.545,"end":26.805},{"sentences":[{"text":"Yeah.","start":27.064999,"end":27.385,"sentiment":"neutral","sentiment_score":0.1222381517291069},{"text":"Not a problem.","start":27.385,"end":28.125,"sentiment":"neutral","sentiment_score":0.22015836338202158}],"sentiment":"neutral","sentiment_score":0.19567831046879292,"channel":1,"num_words":4,"start":27.064999,"end":28.125},{"sentences":[{"text":"Beautiful.","start":28.480001,"end":28.960001,"sentiment":"positive","sentiment_score":0.5071313977241516},{"text":"And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you.","start":28.960001,"end":34.0,"sentiment":"neutral","sentiment_score":0.1681129009179447},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":34.0,"end":38.260002,"sentiment":"neutral","sentiment_score":0.10261514708399773}],"sentiment":"neutral","sentiment_score":0.14604616046629168,"channel":0,"num_words":44,"start":28.480001,"end":38.260002},{"sentences":[{"text":"Ross Higgins.","start":39.27,"end":40.17,"sentiment":"neutral","sentiment_score":0.01888227090239525},{"text":"'87","start":40.39,"end":42.79,"sentiment":"neutral","sentiment_score":0.012266196310520172}],"sentiment":"neutral","sentiment_score":0.016676912705103557,"channel":1,"num_words":3,"start":39.27,"end":42.79},{"sentences":[{"text":"Yep.","start":42.655,"end":43.155,"sentiment":"neutral","sentiment_score":0.01481280755251646}],"sentiment":"neutral","sentiment_score":0.01481280755251646,"channel":0,"num_words":1,"start":42.655,"end":43.155},{"sentences":[{"text":"Blaux Court Sinclair.","start":42.79,"end":43.85,"sentiment":"neutral","sentiment_score":0.02131470354894797}],"sentiment":"neutral","sentiment_score":0.02131470354894797,"channel":1,"num_words":3,"start":42.79,"end":43.85},{"sentences":[{"text":"Yep.","start":44.255,"end":44.655,"sentiment":"neutral","sentiment_score":0.07570072263479233},{"text":"Beautiful.","start":44.655,"end":45.135,"sentiment":"positive","sentiment_score":0.3701452314853668},{"text":"Thank you so much for that.","start":45.135,"end":46.675,"sentiment":"positive","sentiment_score":0.475902592142423},{"text":"Russ, just to sort of jump into things, I wanted to sort of touch base and start with this.","start":47.055,"end":50.735,"sentiment":"neutral","sentiment_score":0.15663255790346547},{"text":"Sort of funny at, what are you sort of hoping to get out of today's review?","start":50.735,"end":54.36,"sentiment":"neutral","sentiment_score":0.006019302876666188}],"sentiment":"neutral","sentiment_score":0.14822299891086513,"channel":0,"num_words":43,"start":44.255,"end":54.36},{"sentences":[{"text":"Is there anything particular you wanted me to kinda touch base on for you?","start":54.36,"end":57.96,"sentiment":"neutral","sentiment_score":0.022853407875767777},{"text":"Or","start":57.96,"end":58.12,"sentiment":"neutral","sentiment_score":-0.008942749351263046}],"sentiment":"neutral","sentiment_score":0.020733664060632387,"channel":0,"num_words":15,"start":54.36,"end":58.12},{"sentences":[{"text":"How things are going while there's no 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66,166.","start":387.67502,"end":403.77002,"sentiment":"neutral","sentiment_score":0.0005534354211955235}],"sentiment":"neutral","sentiment_score":-0.06606135022064502,"channel":0,"num_words":44,"start":383.67502,"end":403.77002},{"sentences":[{"text":"So it is down a little bit on where you were this time last year.","start":404.15002,"end":409.45,"sentiment":"neutral","sentiment_score":-0.19969977339108785},{"text":"So it is has gone backwards a little bit, but that is purely because of what's been sort of happening in the markets generally.","start":409.75,"end":415.915,"sentiment":"neutral","sentiment_score":-0.18650218285620213},{"text":"There has been a lot of volatility in ups and downs there.","start":415.975,"end":418.795,"sentiment":"neutral","sentiment_score":-0.16882844269275665},{"text":"With your investments as well, now you did originally also have in your investments that been along Australian equities.","start":419.73502,"end":427.85,"sentiment":"neutral","sentiment_score":0.004451735950026073},{"text":"Do you remember seeing an email come through with a record of advice in the last few months?","start":428.15,"end":434.17,"sentiment":"neutral","sentiment_score":-0.001418008313824733}],"sentiment":"neutral","sentiment_score":-0.10725490304916589,"channel":0,"num_words":88,"start":404.15002,"end":434.17},{"sentences":[{"text":"No.","start":435.56,"end":435.96,"sentiment":"neutral","sentiment_score":-0.13923639059066772},{"text":"I don't really check my","start":435.96,"end":436.84,"sentiment":"neutral","sentiment_score":-0.15923852175474168}],"sentiment":"neutral","sentiment_score":-0.155904833227396,"channel":1,"num_words":6,"start":435.56,"end":436.84},{"sentences":[{"text":"No.","start":436.71,"end":437.205,"sentiment":"neutral","sentiment_score":-0.16056527197360992}],"sentiment":"neutral","sentiment_score":-0.16056527197360992,"channel":0,"num_words":1,"start":436.71,"end":437.205},{"sentences":[{"text":"emails very often.","start":436.84,"end":437.9,"sentiment":"neutral","sentiment_score":-0.17374399304389954}],"sentiment":"neutral","sentiment_score":-0.17374399304389954,"channel":1,"num_words":3,"start":436.84,"end":437.9},{"sentences":[{"text":"That's okay.","start":438.16498,"end":438.985,"sentiment":"neutral","sentiment_score":-0.028117211535573006},{"text":"So, obviously, with what's been happening in the markets generally and because, you know, portfolio hasn't really been getting any additional contributions and that we have seen a bit of volatility.","start":439.44498,"end":447.06497,"sentiment":"neutral","sentiment_score":-0.14660224282453138},{"text":"So your portfolio has kinda gone backwards there.","start":447.125,"end":449.76,"sentiment":"neutral","sentiment_score":-0.27372512221336365},{"text":"It is down about $3 from where you were this time last year.","start":449.84,"end":453.30002,"sentiment":"neutral","sentiment_score":-0.2127482696221425},{"text":"It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward.","start":454.08002,"end":466.775,"sentiment":"neutral","sentiment_score":-0.06283583060452123}],"sentiment":"neutral","sentiment_score":-0.12771264724433423,"channel":0,"num_words":95,"start":438.16498,"end":466.775},{"sentences":[{"text":"But you also have been along Australian equities in there, and we sent you a record of advice.","start":466.995,"end":471.075,"sentiment":"neutral","sentiment_score":-0.1057368754926655},{"text":"We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year.","start":471.075,"end":478.77,"sentiment":"negative","sentiment_score":-0.5010601682909603},{"text":"So we actually had that removed because that investment was no longer seen as a a positive investment.","start":479.56998,"end":485.25,"sentiment":"neutral","sentiment_score":-0.3024919240011109},{"text":"It was having more of a negative effect on your portfolio, and that's part of the reason it has been down for the last year as well.","start":485.25,"end":492.105,"sentiment":"negative","sentiment_score":-0.48711079359054565},{"text":"We have taken steps to remove that out there.","start":492.345,"end":494.665,"sentiment":"negative","sentiment_score":-0.33413733045260113}],"sentiment":"negative","sentiment_score":-0.3766147591321185,"channel":0,"num_words":101,"start":466.995,"end":494.665},{"sentences":[{"text":"So if you have a look at your emails, you will see that record of advice in there.","start":494.665,"end":498.58502,"sentiment":"neutral","sentiment_score":0.00548877939581871},{"text":"We've removed Bannalong out of there, and we've put you into the BetaShares a 200, which is more of a passively lower cost investment, which has not been underperforming as much as Bennelong has.","start":498.58502,"end":509.07,"sentiment":"neutral","sentiment_score":0.08123937817564343},{"text":"So moving forward here, we just wanna have that kind of help to boost your portfolio, hopefully have it come back and provide a bit more growth there as well.","start":509.07,"end":518.29004,"sentiment":"positive","sentiment_score":0.5523426055908203},{"text":"But I'm being really honest with you.","start":518.83496,"end":520.27496,"sentiment":"neutral","sentiment_score":0.01936547671045576},{"text":"Portfolio has been down a little bit for the last year.","start":520.27496,"end":523.33496,"sentiment":"neutral","sentiment_score":-0.2382881925864653}],"sentiment":"neutral","sentiment_score":0.16945603273343296,"channel":0,"num_words":100,"start":494.665,"end":523.33496},{"sentences":[{"text":"It is down solely because of what we're seeing, the volatility in the market at the moment with what's been happening both globally and within Australia.","start":523.635,"end":530.855,"sentiment":"neutral","sentiment_score":-0.25072162598371506},{"text":"So, globally, we all sort of hear about the Iran war and what's happening with The US and Iran and Europe as a whole.","start":531.64,"end":537.5,"sentiment":"neutral","sentiment_score":-0.14352379397799572},{"text":"But then in Australia, we also have because we still have good good sorry.","start":537.95996,"end":544.38,"sentiment":"neutral","sentiment_score":0.05429714811699731},{"text":"I'm looking for the word.","start":544.655,"end":545.795,"sentiment":"neutral","sentiment_score":0.019280649721622467},{"text":"The economy has been doing quite well with regard to employment, sorry, is the word I'm looking for.","start":546.495,"end":551.85504,"sentiment":"neutral","sentiment_score":0.061436916494535074}],"sentiment":"neutral","sentiment_score":-0.09196443117127337,"channel":0,"num_words":87,"start":523.635,"end":551.85504},{"sentences":[{"text":"So we do actually have very high inflation at the moment as well, which is kinda hitting us on a different side of things and has been affecting some of the bonds and fixed interest components that we're seeing at the moment.","start":551.85504,"end":561.82,"sentiment":"neutral","sentiment_score":-0.13326685520864667},{"text":"So you are down a little bit on this year.","start":561.82,"end":564.48,"sentiment":"neutral","sentiment_score":-0.1980522945523262},{"text":"It is showing still a positive return when we're looking at the growth there, but your balance is a bit lower from where you were this time last year, and that's kind of the reason for that.","start":564.7,"end":574.24,"sentiment":"neutral","sentiment_score":-0.12219701767773242},{"text":"What I would like to maybe do is have a bit of a look.","start":574.625,"end":577.745,"sentiment":"neutral","sentiment_score":0.08758566581777164},{"text":"You're in more of a high growth environment as well.","start":577.745,"end":580.305,"sentiment":"neutral","sentiment_score":0.20251722820103168}],"sentiment":"neutral","sentiment_score":-0.07829777800799471,"channel":0,"num_words":113,"start":551.85504,"end":580.305},{"sentences":[{"text":"Has anyone kinda talked to you about reevaluating the risk level that you're undertaking?","start":580.305,"end":585.125,"sentiment":"neutral","sentiment_score":0.00564913111572553},{"text":"Has anyone kinda done a a risk profile with you recently or on the last twelve months ago?","start":585.425,"end":590.38,"sentiment":"neutral","sentiment_score":0.005479554800937573},{"text":"Do you know?","start":590.38,"end":591.2,"sentiment":"neutral","sentiment_score":-0.01361333051075538}],"sentiment":"neutral","sentiment_score":0.003910852300136217,"channel":0,"num_words":35,"start":580.305,"end":591.2},{"sentences":[{"text":"Not that I know of.","start":591.69995,"end":592.66,"sentiment":"neutral","sentiment_score":-0.14614274203777314},{"text":"No.","start":592.66,"end":593.16,"sentiment":"neutral","sentiment_score":-0.19739501178264615}],"sentiment":"neutral","sentiment_score":-0.15468478699525198,"channel":1,"num_words":6,"start":591.69995,"end":593.16},{"sentences":[{"text":"No.","start":593.33997,"end":593.58,"sentiment":"neutral","sentiment_score":-0.15791673958301544},{"text":"That's okay.","start":593.58,"end":594.22,"sentiment":"neutral","sentiment_score":-0.019594458863139153},{"text":"So the other sort of thing you've got here is that you're in more of a high growth environment in your portfolio as well.","start":594.22,"end":599.26,"sentiment":"neutral","sentiment_score":0.09340013470500708},{"text":"And while taking on high growth is great when we're we've got twenty years of our time and however, you are taking a bit more risk in the market.","start":599.26,"end":607.045,"sentiment":"neutral","sentiment_score":-0.008703253520973798},{"text":"So it does mean when the market's performing really well, that the returns can be really great and really high.","start":607.045,"end":612.40497,"sentiment":"neutral","sentiment_score":0.1177456796169281}],"sentiment":"neutral","sentiment_score":0.054566010734752604,"channel":0,"num_words":76,"start":593.33997,"end":612.40497},{"sentences":[{"text":"However, when we see times of large volatility like what's been happening at the moment, it does mean that when your portfolio sees dips, those dips are magnified a bit more, and you do do see more of a downside.","start":612.40497,"end":625.39,"sentiment":"negative","sentiment_score":-0.37870291657745836},{"text":"And you can feel it a lot more as your balance increases as well.","start":625.93,"end":629.31,"sentiment":"neutral","sentiment_score":-0.32696137577295303},{"text":"So I would maybe like to maybe talk to you about your risk profile.","start":630.01,"end":633.505,"sentiment":"neutral","sentiment_score":0.14058006608060428},{"text":"We maybe could look at reducing that risk a little bit in the market, which can also sort of help, but then doing a few more catch ups throughout the year as well, just checking to see how things are going and maybe, you know, look at how your portfolio is reacting, make sure we can see some sort of recovery moving forward.","start":633.885,"end":649.92,"sentiment":"neutral","sentiment_score":0.21731873069490706},{"text":"Okay?","start":650.3,"end":650.8,"sentiment":"neutral","sentiment_score":0.1357845813035965}],"sentiment":"neutral","sentiment_score":-0.029777199876579372,"channel":0,"num_words":132,"start":612.40497,"end":650.8},{"sentences":[{"text":"Yep.","start":650.61,"end":651.11,"sentiment":"neutral","sentiment_score":0.10525839775800704}],"sentiment":"neutral","sentiment_score":0.10525839775800704,"channel":1,"num_words":1,"start":650.61,"end":651.11},{"sentences":[{"text":"Yeah.","start":651.57996,"end":652.07996,"sentiment":"neutral","sentiment_score":0.08829188346862793},{"text":"Do you have any questions?","start":652.22,"end":653.5,"sentiment":"neutral","sentiment_score":0.08741374015808105},{"text":"I know I kinda go through a lot.","start":653.5,"end":655.36,"sentiment":"neutral","sentiment_score":0.04459432186558843},{"text":"Do you have any questions so far?","start":655.74,"end":657.26,"sentiment":"neutral","sentiment_score":0.06960348944578852},{"text":"Is there anything that you wanted to maybe touch a bit more on?","start":657.26,"end":660.14,"sentiment":"neutral","sentiment_score":0.032631298527121544}],"sentiment":"neutral","sentiment_score":0.05275136665167177,"channel":0,"num_words":34,"start":651.57996,"end":660.14},{"sentences":[{"text":"Or","start":660.14,"end":660.64,"sentiment":"neutral","sentiment_score":0.010736338794231417}],"sentiment":"neutral","sentiment_score":0.010736338794231417,"channel":0,"num_words":1,"start":660.14,"end":660.64},{"sentences":[{"text":"Well, just what was it what was my balance before the war started?","start":661.875,"end":670.95,"sentiment":"neutral","sentiment_score":-0.02984688001183363}],"sentiment":"neutral","sentiment_score":-0.02984688001183363,"channel":1,"num_words":13,"start":661.875,"end":670.95},{"sentences":[{"text":"yeah.","start":671.555,"end":671.875,"sentiment":"neutral","sentiment_score":0.049263037741184235},{"text":"That's okay.","start":671.875,"end":672.435,"sentiment":"neutral","sentiment_score":0.13211293518543243},{"text":"Let's go back and have a bit of a look for you.","start":672.435,"end":674.675,"sentiment":"neutral","sentiment_score":0.15702853972713152},{"text":"So I'll go back into the report section because I can generate reports for all different times and dates.","start":674.675,"end":682.65,"sentiment":"neutral","sentiment_score":0.11500538532671176},{"text":"So let's look at last year up until the end of the year as a calendar year, and then we can kinda see where you were tracking for that year for the full calendar","start":682.87,"end":693.325,"sentiment":"neutral","sentiment_score":0.10570999958059367}],"sentiment":"neutral","sentiment_score":0.11730990723213729,"channel":0,"num_words":68,"start":671.555,"end":693.325},{"sentences":[{"text":"Yep.","start":693.125,"end":693.625,"sentiment":"neutral","sentiment_score":0.0419725701212883}],"sentiment":"neutral","sentiment_score":0.0419725701212883,"channel":1,"num_words":1,"start":693.125,"end":693.625},{"sentences":[{"text":"year last year because it was kind of from January onwards that we've seen a lot of this volatility","start":693.325,"end":698.225,"sentiment":"neutral","sentiment_score":-0.07429861512623336}],"sentiment":"neutral","sentiment_score":-0.07429861512623336,"channel":0,"num_words":19,"start":693.325,"end":698.225},{"sentences":[{"text":"Yep.","start":698.13995,"end":698.63995,"sentiment":"neutral","sentiment_score":-0.04223756119608879}],"sentiment":"neutral","sentiment_score":-0.04223756119608879,"channel":1,"num_words":1,"start":698.13995,"end":698.63995},{"sentences":[{"text":"with what's been occurring.","start":698.365,"end":699.505,"sentiment":"neutral","sentiment_score":-0.060647821985185146},{"text":"And that kinda gives you an idea for where you were tracking and how much of a positive return it was, and then you can sort of see the pullback for this year and the volatility there.","start":699.885,"end":708.69,"sentiment":"neutral","sentiment_score":0.32198592537158244},{"text":"Okay?","start":708.75,"end":709.25,"sentiment":"neutral","sentiment_score":0.0640561506152153}],"sentiment":"neutral","sentiment_score":0.2794034309862625,"channel":0,"num_words":42,"start":698.365,"end":709.25},{"sentences":[{"text":"Yeah.","start":709.33997,"end":709.57996,"sentiment":"neutral","sentiment_score":0.049514345824718475},{"text":"Yeah.","start":709.57996,"end":710.07996,"sentiment":"neutral","sentiment_score":0.04985428228974342}],"sentiment":"neutral","sentiment_score":0.04968431405723095,"channel":1,"num_words":2,"start":709.33997,"end":710.07996},{"sentences":[{"text":"So sorry.","start":710.58997,"end":711.87,"sentiment":"neutral","sentiment_score":-0.00291602686047554},{"text":"Won't be two seconds.","start":711.87,"end":712.83,"sentiment":"neutral","sentiment_score":-0.041024747770279646},{"text":"I just gotta generate the report.","start":712.83,"end":714.45,"sentiment":"neutral","sentiment_score":0.03238022529209653},{"text":"Beautiful.","start":716.525,"end":717.025,"sentiment":"positive","sentiment_score":0.48845720291137695},{"text":"So let's do custom.","start":720.045,"end":725.025,"sentiment":"neutral","sentiment_score":0.19032016769051552}],"sentiment":"neutral","sentiment_score":0.07494636356611462,"channel":0,"num_words":17,"start":710.58997,"end":725.025},{"sentences":[{"text":"Hard to believe it's already April this year, isn't it?","start":733.10004,"end":736.16003,"sentiment":"neutral","sentiment_score":-0.002443601004779339}],"sentiment":"neutral","sentiment_score":-0.002443601004779339,"channel":0,"num_words":10,"start":733.10004,"end":736.16003},{"sentences":[{"text":"Oh, no.","start":736.27496,"end":736.595,"sentiment":"neutral","sentiment_score":-0.08010389283299446},{"text":"It's gone very quick.","start":736.595,"end":737.815,"sentiment":"neutral","sentiment_score":-0.07557102106511593}],"sentiment":"neutral","sentiment_score":-0.07708197832107544,"channel":1,"num_words":6,"start":736.27496,"end":737.815},{"sentences":[{"text":"This year is flying by.","start":739.265,"end":741.025,"sentiment":"neutral","sentiment_score":0.1123717337846756},{"text":"I feel like the older I get, the more it flies by.","start":741.025,"end":743.685,"sentiment":"neutral","sentiment_score":0.005450836072365443},{"text":"There we go.","start":747.265,"end":748.165,"sentiment":"neutral","sentiment_score":0.047301544497410454},{"text":"Okay.","start":750.145,"end":750.645,"sentiment":"neutral","sentiment_score":0.05746661499142647},{"text":"So I'm just generating the calendar year report for you now.","start":753.12,"end":756.08,"sentiment":"neutral","sentiment_score":0.07142800024964592}],"sentiment":"neutral","sentiment_score":0.0503858735319227,"channel":0,"num_words":32,"start":739.265,"end":756.08},{"sentences":[{"text":"Just take a second to generate that.","start":756.08,"end":757.76,"sentiment":"neutral","sentiment_score":0.06689979242427009},{"text":"This is looking from the December 1 January 1 year to the December 31 year.","start":757.76,"end":763.62,"sentiment":"neutral","sentiment_score":0.048411402851343155}],"sentiment":"neutral","sentiment_score":0.05429407226091081,"channel":0,"num_words":22,"start":756.08,"end":763.62},{"sentences":[{"text":"Yeah.","start":764.015,"end":764.515,"sentiment":"neutral","sentiment_score":0.0605182945728302}],"sentiment":"neutral","sentiment_score":0.0605182945728302,"channel":1,"num_words":1,"start":764.015,"end":764.515},{"sentences":[{"text":"And that's showing here because you were also working for part of that point last year as well, weren't you?","start":764.205,"end":769.98505,"sentiment":"neutral","sentiment_score":0.06238024896010756}],"sentiment":"neutral","sentiment_score":0.06238024896010756,"channel":0,"num_words":20,"start":764.205,"end":769.98505},{"sentences":[{"text":"No.","start":770.255,"end":770.755,"sentiment":"neutral","sentiment_score":-0.0709538385272026}],"sentiment":"neutral","sentiment_score":-0.0709538385272026,"channel":1,"num_words":1,"start":770.255,"end":770.755},{"sentences":[{"text":"No?","start":771.405,"end":771.905,"sentiment":"neutral","sentiment_score":-0.07173144817352295}],"sentiment":"neutral","sentiment_score":-0.07173144817352295,"channel":0,"num_words":1,"start":771.405,"end":771.905},{"sentences":[{"text":"I've been off","start":771.53503,"end":772.175,"sentiment":"neutral","sentiment_score":-0.09499946236610413}],"sentiment":"neutral","sentiment_score":-0.09499946236610413,"channel":1,"num_words":3,"start":771.53503,"end":772.175},{"sentences":[{"text":"Not","start":771.965,"end":772.28503,"sentiment":"neutral","sentiment_score":-0.0857473611831665}],"sentiment":"neutral","sentiment_score":-0.0857473611831665,"channel":0,"num_words":1,"start":771.965,"end":772.28503},{"sentences":[{"text":"since","start":772.175,"end":772.675,"sentiment":"neutral","sentiment_score":-0.0658745989203453}],"sentiment":"neutral","sentiment_score":-0.0658745989203453,"channel":1,"num_words":1,"start":772.175,"end":772.675},{"sentences":[{"text":"off work?","start":772.28503,"end":773.025,"sentiment":"neutral","sentiment_score":-0.07128998637199402}],"sentiment":"neutral","sentiment_score":-0.07128998637199402,"channel":0,"num_words":2,"start":772.28503,"end":773.025},{"sentences":[{"text":"January.","start":772.815,"end":774.275,"sentiment":"neutral","sentiment_score":-0.0406256765127182}],"sentiment":"neutral","sentiment_score":-0.0406256765127182,"channel":1,"num_words":1,"start":772.815,"end":774.275},{"sentences":[{"text":"Okay.","start":774.685,"end":775.185,"sentiment":"neutral","sentiment_score":-0.03250350430607796},{"text":"So off for over twelve months now.","start":775.24506,"end":777.505,"sentiment":"neutral","sentiment_score":-0.04841733989971025},{"text":"Beautiful.","start":778.45,"end":778.95,"sentiment":"neutral","sentiment_score":0.1383076161146164},{"text":"Okay.","start":779.33,"end":779.83,"sentiment":"neutral","sentiment_score":0.009774096310138702},{"text":"So","start":780.53,"end":781.03,"sentiment":"neutral","sentiment_score":-0.003930116072297096}],"sentiment":"neutral","sentiment_score":-0.02066120793196288,"channel":0,"num_words":11,"start":774.685,"end":781.03},{"sentences":[{"text":"On the '20 like, the January 21, I think, is when I stopped","start":787.97003,"end":792.21,"sentiment":"neutral","sentiment_score":-0.006109019025013997}],"sentiment":"neutral","sentiment_score":-0.006109019025013997,"channel":1,"num_words":13,"start":787.97003,"end":792.21},{"sentences":[{"text":"Okay.","start":791.905,"end":792.405,"sentiment":"neutral","sentiment_score":-0.0004964489489793777}],"sentiment":"neutral","sentiment_score":-0.0004964489489793777,"channel":0,"num_words":1,"start":791.905,"end":792.405},{"sentences":[{"text":"working.","start":792.21,"end":792.71,"sentiment":"neutral","sentiment_score":0.009782887995243073}],"sentiment":"neutral","sentiment_score":0.009782887995243073,"channel":1,"num_words":1,"start":792.21,"end":792.71},{"sentences":[{"text":"Yep.","start":793.265,"end":793.585,"sentiment":"neutral","sentiment_score":0.029375148937106133},{"text":"Yep.","start":793.585,"end":793.905,"sentiment":"neutral","sentiment_score":0.05983326584100723},{"text":"Perfect.","start":793.905,"end":794.405,"sentiment":"neutral","sentiment_score":0.15178419649600983},{"text":"Sorry.","start":801.75995,"end":802.07996,"sentiment":"neutral","sentiment_score":0.02578623965382576},{"text":"It's just thinking.","start":802.07996,"end":802.88,"sentiment":"neutral","sentiment_score":0.006499837463100751}],"sentiment":"neutral","sentiment_score":0.0408969090453216,"channel":0,"num_words":7,"start":793.265,"end":802.88},{"sentences":[{"text":"It's loading.","start":802.88,"end":803.44,"sentiment":"neutral","sentiment_score":0.010802148375660181},{"text":"I've got that little spinning circle on my computer.","start":803.44,"end":806.01996,"sentiment":"neutral","sentiment_score":0.06923371139499876},{"text":"Love that.","start":806.16,"end":806.98,"sentiment":"positive","sentiment_score":0.47642362117767334}],"sentiment":"neutral","sentiment_score":0.12288884166628122,"channel":0,"num_words":13,"start":802.88,"end":806.98},{"sentences":[{"text":"Lovely.","start":808.605,"end":809.105,"sentiment":"positive","sentiment_score":0.4200338125228882}],"sentiment":"positive","sentiment_score":0.4200338125228882,"channel":1,"num_words":1,"start":808.605,"end":809.105},{"sentences":[{"text":"I might actually look at our inception report as well for you because that'll kinda give you an idea of what's been happening over since you since you came on board originally.","start":809.6,"end":818.855,"sentiment":"neutral","sentiment_score":0.16943763615563512},{"text":"It is sort of encompassing this year as well, so it may show a neg hopefully, it doesn't show a negative result, but the volatility we are seeing at the moment has been a bit up and down.","start":821.475,"end":832.0,"sentiment":"neutral","sentiment_score":-0.03514096819746651},{"text":"Here we go.","start":833.01996,"end":834.0,"sentiment":"neutral","sentiment_score":0.01544277494152387},{"text":"Okay.","start":834.77997,"end":835.27997,"sentiment":"neutral","sentiment_score":0.055834852159023285},{"text":"So the inception report was the quickest one to generate.","start":835.42,"end":837.89996,"sentiment":"neutral","sentiment_score":0.1272834323346615}],"sentiment":"neutral","sentiment_score":0.06501958411674769,"channel":0,"num_words":84,"start":809.6,"end":837.89996},{"sentences":[{"text":"The other one's still loading for me, unfortunately.","start":837.89996,"end":839.68,"sentiment":"neutral","sentiment_score":-0.056387973949313164},{"text":"But it does show that the net return since inception there.","start":840.7,"end":843.045,"sentiment":"neutral","sentiment_score":0.055776828730648216},{"text":"There.","start":843.20496,"end":843.365,"sentiment":"neutral","sentiment_score":0.05186904966831207},{"text":"So you came on board originally around about 2020 to 2026.","start":843.365,"end":847.125,"sentiment":"neutral","sentiment_score":0.07918217778205872},{"text":"So the return as a whole is about 3.87%.","start":847.125,"end":850.725,"sentiment":"neutral","sentiment_score":0.10713367743624581}],"sentiment":"neutral","sentiment_score":0.05123793566599488,"channel":0,"num_words":40,"start":837.89996,"end":850.725},{"sentences":[{"text":"So it is a bit low for inception.","start":850.725,"end":852.425,"sentiment":"neutral","sentiment_score":-0.05005886638537049},{"text":"It looks like you were tracking pretty well last year, up sort of around about five to 6% for last year until that volatility kinda hit.","start":852.805,"end":861.27,"sentiment":"neutral","sentiment_score":0.1608543093674458},{"text":"So your portfolio has done quite well for the last twelve months.","start":861.27,"end":865.51,"sentiment":"positive","sentiment_score":0.43424542620778084},{"text":"We had been tracking higher, but then what sorta happened from January to now is kind of pulled it back a little bit.","start":865.51,"end":872.415,"sentiment":"neutral","sentiment_score":-0.24801212257665137},{"text":"And a lot of that is due to, you know, with where you are.","start":872.475,"end":875.115,"sentiment":"neutral","sentiment_score":-0.11186985644911017}],"sentiment":"neutral","sentiment_score":0.020749752017029797,"channel":0,"num_words":83,"start":850.725,"end":875.115},{"sentences":[{"text":"Obviously, contributions do make a bit of a difference in this paper.","start":875.115,"end":878.415,"sentiment":"neutral","sentiment_score":0.012201238617611429},{"text":"But with no contributions, you are kind of just hoping the portfolio holds its own.","start":878.875,"end":881.4617,"sentiment":"neutral","sentiment_score":-0.18146478434403737},{"text":"So when we see volatility, we are taking more risk in the market.","start":881.4617,"end":881.80835,"sentiment":"negative","sentiment_score":-0.3489194397742932},{"text":"We are gonna taking more risk in the market.","start":881.80835,"end":886.87994,"sentiment":"negative","sentiment_score":-0.37120481332143146},{"text":"We are gonna feel that volatility a lot more.","start":887.01996,"end":889.68,"sentiment":"negative","sentiment_score":-0.40516558951801723}],"sentiment":"neutral","sentiment_score":-0.24308350421327712,"channel":0,"num_words":58,"start":875.115,"end":889.68},{"sentences":[{"text":"We tend to feel the dips a lot heavier than we do the the ups the ups out of the portfolio.","start":889.74,"end":894.56,"sentiment":"negative","sentiment_score":-0.41441781180245535},{"text":"So that's kind of where things are going at the moment.","start":895.42,"end":897.92,"sentiment":"neutral","sentiment_score":-0.1830171753059734},{"text":"We do.","start":897.98,"end":898.72,"sentiment":"neutral","sentiment_score":-0.033302824944257736},{"text":"There's no real idea on how long this is going to last.","start":899.315,"end":904.055,"sentiment":"negative","sentiment_score":-0.33581510186195374},{"text":"In the last sort of sorry.","start":904.435,"end":906.835,"sentiment":"neutral","sentiment_score":-0.23489419867595038}],"sentiment":"neutral","sentiment_score":-0.3119560584712487,"channel":0,"num_words":52,"start":889.74,"end":906.835},{"sentences":[{"text":"In the last sort of two weeks, we have seen the market take a bit of a dip, but we've also seen some recovery points there.","start":906.835,"end":913.395,"sentiment":"neutral","sentiment_score":-0.10224072291300847},{"text":"So with your portfolio, with that record of advice that had been sent out in the last couple of weeks to you, with removing that alone, you have then seen a little bit of a recovery point there.","start":913.395,"end":925.57996,"sentiment":"neutral","sentiment_score":0.0005997362497605776},{"text":"So you're still down by about $3 on where you were last this time last year.","start":925.57996,"end":930.695,"sentiment":"neutral","sentiment_score":-0.256161455065012},{"text":"However, we have seen a little bit of recovery points.","start":930.91504,"end":933.395,"sentiment":"neutral","sentiment_score":0.18287061899900436},{"text":"The market was up by just under a percent yesterday, and your portfolio the a 200 that we've replaced it with is currently also showing an increase of about 4% there for you.","start":933.395,"end":946.13,"sentiment":"neutral","sentiment_score":0.18195945701815866}],"sentiment":"neutral","sentiment_score":0.008937529856111945,"channel":0,"num_words":123,"start":906.835,"end":946.13},{"sentences":[{"text":"So what I would like to do is maybe not change anything in the portfolio at the moment.","start":946.13,"end":950.52997,"sentiment":"neutral","sentiment_score":-0.24354126842485535},{"text":"Let's give it maybe a little bit of time.","start":950.52997,"end":953.11,"sentiment":"neutral","sentiment_score":-0.004987024598651462},{"text":"Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to.","start":953.57,"end":964.915,"sentiment":"neutral","sentiment_score":0.04529914775720009},{"text":"What I would probably also like to look at doing is maybe readjusting your risk level.","start":964.97504,"end":969.28,"sentiment":"neutral","sentiment_score":-0.057506004348397255},{"text":"So maybe moving you out of that high growth environment because there's no contributions going 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now?","start":988.54504,"end":993.28503,"sentiment":"neutral","sentiment_score":0.17537724540421837}],"sentiment":"neutral","sentiment_score":0.06994004318347344,"channel":0,"num_words":65,"start":974.56,"end":993.28503},{"sentences":[{"text":"What what sort of just I'm 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about it making making it go up.","start":997.53503,"end":1000.195,"sentiment":"neutral","sentiment_score":-0.14680176600813866},{"text":"I'm more","start":1000.255,"end":1000.99506,"sentiment":"neutral","sentiment_score":-0.03514988720417023}],"sentiment":"neutral","sentiment_score":-0.12447139024734497,"channel":1,"num_words":10,"start":997.53503,"end":1000.99506},{"sentences":[{"text":"Yeah.","start":1000.63995,"end":1001.13995,"sentiment":"neutral","sentiment_score":-0.005472893826663494}],"sentiment":"neutral","sentiment_score":-0.005472893826663494,"channel":0,"num_words":1,"start":1000.63995,"end":1001.13995},{"sentences":[{"text":"covering the cost of the account, if you know what I","start":1002.575,"end":1005.73004,"sentiment":"neutral","sentiment_score":-0.011214145289903337}],"sentiment":"neutral","sentiment_score":-0.011214145289903337,"channel":1,"num_words":11,"start":1002.575,"end":1005.73004},{"sentences":[{"text":"Yeah.","start":1005.6,"end":1006.0,"sentiment":"neutral","sentiment_score":0.002324439585208893}],"sentiment":"neutral","sentiment_score":0.002324439585208893,"channel":0,"num_words":1,"start":1005.6,"end":1006.0},{"sentences":[{"text":"mean,","start":1005.73004,"end":1006.05005,"sentiment":"neutral","sentiment_score":0.0010363268665969372}],"sentiment":"neutral","sentiment_score":0.0010363268665969372,"channel":1,"num_words":1,"start":1005.73004,"end":1006.05005},{"sentences":[{"text":"Of","start":1006.0,"end":1006.07996,"sentiment":"neutral","sentiment_score":0.00919271633028984}],"sentiment":"neutral","sentiment_score":0.00919271633028984,"channel":0,"num_words":1,"start":1006.0,"end":1006.07996},{"sentences":[{"text":"for","start":1006.05005,"end":1006.37006,"sentiment":"neutral","sentiment_score":0.012345293536782265}],"sentiment":"neutral","sentiment_score":0.012345293536782265,"channel":1,"num_words":1,"start":1006.05005,"end":1006.37006},{"sentences":[{"text":"course.","start":1006.07996,"end":1006.57996,"sentiment":"neutral","sentiment_score":0.03407396376132965}],"sentiment":"neutral","sentiment_score":0.03407396376132965,"channel":0,"num_words":1,"start":1006.07996,"end":1006.57996},{"sentences":[{"text":"for you guys","start":1006.37006,"end":1007.09,"sentiment":"neutral","sentiment_score":0.00968319239715735}],"sentiment":"neutral","sentiment_score":0.00968319239715735,"channel":1,"num_words":3,"start":1006.37006,"end":1007.09},{"sentences":[{"text":"Yeah.","start":1006.95996,"end":1007.45996,"sentiment":"neutral","sentiment_score":0.018097462132573128}],"sentiment":"neutral","sentiment_score":0.018097462132573128,"channel":0,"num_words":1,"start":1006.95996,"end":1007.45996},{"sentences":[{"text":"and my insurances.","start":1007.09,"end":1007.83,"sentiment":"neutral","sentiment_score":0.008490587895115217}],"sentiment":"neutral","sentiment_score":0.008490587895115217,"channel":1,"num_words":3,"start":1007.09,"end":1007.83},{"sentences":[{"text":"Yeah.","start":1008.72,"end":1009.22,"sentiment":"neutral","sentiment_score":0.07417137920856476},{"text":"Absolutely.","start":1009.815,"end":1010.315,"sentiment":"neutral","sentiment_score":0.12423021346330644},{"text":"So the insurances at the moment, you've got your life and TPD coming out of there.","start":1010.53503,"end":1015.03503,"sentiment":"neutral","sentiment_score":0.06537287915125489},{"text":"They are showing a for this twelve months, the total cost there for the insurances that came out of super was $5,076.56.","start":1015.575,"end":1026.27,"sentiment":"neutral","sentiment_score":0.03828060652383349},{"text":"If I have a look here at the portfolio report that I've 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covered.","start":1037.31,"end":1038.29,"sentiment":"neutral","sentiment_score":0.06450175493955612}],"sentiment":"neutral","sentiment_score":0.06450175493955612,"channel":0,"num_words":3,"start":1037.31,"end":1038.29},{"sentences":[{"text":"coming out.","start":1037.83,"end":1038.6499,"sentiment":"neutral","sentiment_score":0.04549249820411205},{"text":"Yeah.","start":1038.87,"end":1039.37,"sentiment":"neutral","sentiment_score":0.09985551238059998}],"sentiment":"neutral","sentiment_score":0.06361350292960803,"channel":1,"num_words":3,"start":1037.83,"end":1039.37},{"sentences":[{"text":"Yeah.","start":1039.015,"end":1039.175,"sentiment":"neutral","sentiment_score":0.15721642971038818},{"text":"It has definitely covered the cost of our fees because the return I give you is always net of fees.","start":1039.175,"end":1044.635,"sentiment":"neutral","sentiment_score":0.23637820109725}],"sentiment":"neutral","sentiment_score":0.23260859293597086,"channel":0,"num_words":21,"start":1039.015,"end":1044.635},{"sentences":[{"text":"Yeah.","start":1045.0299,"end":1045.5299,"sentiment":"neutral","sentiment_score":0.18313054740428925}],"sentiment":"neutral","sentiment_score":0.18313054740428925,"channel":1,"num_words":1,"start":1045.0299,"end":1045.5299},{"sentences":[{"text":"So on the last twelve months there, the return after the cost of our fees for looking after the super and also after your insurance premiums have come out, you've still seen a a growth of $1,314.64 as a dollar figure.","start":1045.095,"end":1060.63,"sentiment":"positive","sentiment_score":0.35858554447569496},{"text":"So that is still showing a positive result.","start":1060.63,"end":1063.03,"sentiment":"positive","sentiment_score":0.6890870630741119},{"text":"It's just that the total portfolio was down because of you know, you you got a little bit less in there than you did this time last year.","start":1063.03,"end":1069.475,"sentiment":"neutral","sentiment_score":0.10896108858287334},{"text":"But you are still seeing income, so we're looking at dividends that are being paid out of the portfolio that gets put back into the cash account and reinvested into the investment portfolio for dividends and the compounding effect.","start":1069.475,"end":1081.89,"sentiment":"neutral","sentiment_score":0.23134581801983026}],"sentiment":"neutral","sentiment_score":0.2783457000964674,"channel":0,"num_words":116,"start":1045.095,"end":1081.89},{"sentences":[{"text":"Yeah.","start":1082.345,"end":1082.845,"sentiment":"neutral","sentiment_score":0.15227197110652924}],"sentiment":"neutral","sentiment_score":0.15227197110652924,"channel":1,"num_words":1,"start":1082.345,"end":1082.845},{"sentences":[{"text":"And then you do see that additional growth there as 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prices.","start":1098.655,"end":1102.815,"sentiment":"neutral","sentiment_score":0.00022183656692504884},{"text":"So that's currently down at the moment, and that's where the pullback sort of thing.","start":1102.815,"end":1106.915,"sentiment":"neutral","sentiment_score":-0.18196280052264532},{"text":"It is expected.","start":1107.695,"end":1108.87,"sentiment":"neutral","sentiment_score":-0.09038790812095006},{"text":"It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it.","start":1108.87,"end":1114.5499,"sentiment":"neutral","sentiment_score":-0.2549614523138319},{"text":"We kind of have to wade through this time.","start":1114.5499,"end":1116.89,"sentiment":"neutral","sentiment_score":-0.20865062210294935}],"sentiment":"neutral","sentiment_score":-0.162370226685963,"channel":0,"num_words":63,"start":1098.655,"end":1116.89},{"sentences":[{"text":"But I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things.","start":1117.59,"end":1127.385,"sentiment":"positive","sentiment_score":0.3595437625559365},{"text":"I mean, with with regards to the high risk component, the portfolio you're in, you're welcome to stay in that portfolio if that's where you'd like to be.","start":1128.325,"end":1135.945,"sentiment":"neutral","sentiment_score":0.20797780555273807},{"text":"But with no contributions going into the super until you kind of are able to go back to work.","start":1136.51,"end":1142.45,"sentiment":"neutral","sentiment_score":-0.07649776163069825},{"text":"We are sort of hoping it's just making sure this the portfolio is working, and it's kind of only half the job.","start":1142.83,"end":1148.715,"sentiment":"neutral","sentiment_score":0.032109627119180834},{"text":"It's sort of like getting in a car and sort of hoping that it drives on minimal fuel without putting fuel in on a 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moment.","start":1186.035,"end":1194.65,"sentiment":"neutral","sentiment_score":-0.21250783472225585},{"text":"A selling investment is just cementing those losses and not sort of letting your portfolio have a chance to recover out.","start":1195.1901,"end":1201.29,"sentiment":"negative","sentiment_score":-0.4375952382882436},{"text":"So we it is best to sort of hold and wait for the moment just to see where things are going, especially since this is, like, a market wide thing.","start":1201.99,"end":1209.345,"sentiment":"neutral","sentiment_score":-0.2640495295325915}],"sentiment":"neutral","sentiment_score":-0.028638779897900188,"channel":0,"num_words":136,"start":1169.6799,"end":1209.345},{"sentences":[{"text":"It's affecting everybody.","start":1209.345,"end":1210.565,"sentiment":"neutral","sentiment_score":-0.31228487690289813},{"text":"It's affecting retail funds, industry funds.","start":1210.865,"end":1213.105,"sentiment":"neutral","sentiment_score":-0.24929622809092203},{"text":"Everyone's portfolio performance is having a bit of a bit of a downtime at the moment with regard to what's going on.","start":1213.105,"end":1219.89,"sentiment":"negative","sentiment_score":-0.40408602356910706},{"text":"And yeah.","start":1220.85,"end":1221.73,"sentiment":"neutral","sentiment_score":-0.22031431645154953},{"text":"So I would suggest sort of holding and waiting for the moment.","start":1221.73,"end":1224.53,"sentiment":"neutral","sentiment_score":-0.15284911108513674}],"sentiment":"neutral","sentiment_score":-0.30216316630442935,"channel":0,"num_words":45,"start":1209.345,"end":1224.53},{"sentences":[{"text":"I'd love to maybe move you out of that high growth environment, maybe reduce your risk a little bit down.","start":1224.53,"end":1229.89,"sentiment":"positive","sentiment_score":0.37205570116639136},{"text":"But at the end of the day, it's gotta be what you're comfortable with as well.","start":1229.89,"end":1233.17,"sentiment":"neutral","sentiment_score":0.2501319767907262},{"text":"So what's your thoughts in relation to that?","start":1233.17,"end":1235.925,"sentiment":"neutral","sentiment_score":0.0644547757692635},{"text":"If you want me to break things down, you can you can let me know, Ross.","start":1239.185,"end":1242.305,"sentiment":"neutral","sentiment_score":0.04623211873695254}],"sentiment":"neutral","sentiment_score":0.2116429626320799,"channel":0,"num_words":60,"start":1224.53,"end":1242.305},{"sentences":[{"text":"No.","start":1241.925,"end":1242.425,"sentiment":"neutral","sentiment_score":-0.145545095205307}],"sentiment":"neutral","sentiment_score":-0.145545095205307,"channel":1,"num_words":1,"start":1241.925,"end":1242.425},{"sentences":[{"text":"That's fine.","start":1242.305,"end":1243.125,"sentiment":"neutral","sentiment_score":0.003391495905816554}],"sentiment":"neutral","sentiment_score":0.003391495905816554,"channel":0,"num_words":2,"start":1242.305,"end":1243.125},{"sentences":[{"text":"It's just your your opinion's pretty much what I go off.","start":1243.685,"end":1250.425,"sentiment":"neutral","sentiment_score":-0.05765759132125161}],"sentiment":"neutral","sentiment_score":-0.05765759132125161,"channel":1,"num_words":11,"start":1243.685,"end":1250.425},{"sentences":[{"text":"Yeah.","start":1251.04,"end":1251.4401,"sentiment":"neutral","sentiment_score":0.17277704179286957},{"text":"Yeah.","start":1251.4401,"end":1251.76,"sentiment":"neutral","sentiment_score":0.2763694226741791},{"text":"Perfect.","start":1251.76,"end":1252.26,"sentiment":"positive","sentiment_score":0.546696662902832},{"text":"Perfect.","start":1252.56,"end":1253.06,"sentiment":"positive","sentiment_score":0.5382957458496094},{"text":"Well, let's maybe run through those risk profile questionnaire.","start":1253.28,"end":1255.9401,"sentiment":"neutral","sentiment_score":0.17216948088672426}],"sentiment":"neutral","sentiment_score":0.2372049385538468,"channel":0,"num_words":13,"start":1251.04,"end":1255.9401},{"sentences":[{"text":"Let's I'll ask you the questions.","start":1256.0,"end":1257.36,"sentiment":"neutral","sentiment_score":0.18050872534513474},{"text":"We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking.","start":1257.36,"end":1264.045,"sentiment":"neutral","sentiment_score":0.19355255636301907},{"text":"Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward.","start":1264.045,"end":1269.165,"sentiment":"neutral","sentiment_score":0.10119165262828271},{"text":"Does that sound okay?","start":1269.165,"end":1270.305,"sentiment":"neutral","sentiment_score":0.15255395509302616}],"sentiment":"neutral","sentiment_score":0.14964328706264496,"channel":0,"num_words":56,"start":1256.0,"end":1270.305},{"sentences":[{"text":"Yeah.","start":1270.6001,"end":1271.1001,"sentiment":"neutral","sentiment_score":0.09672322124242784}],"sentiment":"neutral","sentiment_score":0.09672322124242784,"channel":1,"num_words":1,"start":1270.6001,"end":1271.1001},{"sentences":[{"text":"Yeah.","start":1271.5651,"end":1272.045,"sentiment":"neutral","sentiment_score":0.23340483009815216},{"text":"Fantastic.","start":1272.045,"end":1272.545,"sentiment":"positive","sentiment_score":0.5648288130760193},{"text":"The first one here is have you ever invested in any shares in your own name in the past?","start":1273.2799,"end":1277.6799,"sentiment":"neutral","sentiment_score":0.13453555577679685},{"text":"Have you ever had investments outside of super in your own name?","start":1277.6799,"end":1280.6599,"sentiment":"neutral","sentiment_score":0.04856463226800164}],"sentiment":"neutral","sentiment_score":0.11930863000452518,"channel":0,"num_words":33,"start":1271.5651,"end":1280.6599},{"sentences":[{"text":"No.","start":1281.505,"end":1282.005,"sentiment":"neutral","sentiment_score":-0.11676633358001708}],"sentiment":"neutral","sentiment_score":-0.11676633358001708,"channel":1,"num_words":1,"start":1281.505,"end":1282.005},{"sentences":[{"text":"Nope.","start":1282.5599,"end":1282.88,"sentiment":"neutral","sentiment_score":-0.08944889158010483},{"text":"That's okay.","start":1282.88,"end":1283.7799,"sentiment":"neutral","sentiment_score":0.06945308297872543},{"text":"All good.","start":1283.84,"end":1284.6599,"sentiment":"positive","sentiment_score":0.5292341560125351},{"text":"Beautiful.","start":1285.775,"end":1286.275,"sentiment":"positive","sentiment_score":0.5317438244819641},{"text":"The next one here is what sort of time horizon you're looking at before accessing super.","start":1287.215,"end":1291.2949,"sentiment":"neutral","sentiment_score":0.023001303372438997}],"sentiment":"neutral","sentiment_score":0.09125864840197292,"channel":0,"num_words":22,"start":1282.5599,"end":1291.2949},{"sentences":[{"text":"So look at your age.","start":1291.2949,"end":1292.1749,"sentiment":"neutral","sentiment_score":-0.009494518116116523},{"text":"You're still very young.","start":1292.1749,"end":1293.2949,"sentiment":"neutral","sentiment_score":-0.05859356001019478},{"text":"You can't technically access super to the age of 60 there, so I'll just take that first box there for you.","start":1293.2949,"end":1299.375,"sentiment":"neutral","sentiment_score":0.02537837482634045},{"text":"Okay?","start":1299.375,"end":1299.875,"sentiment":"neutral","sentiment_score":0.0856613889336586},{"text":"Perfect.","start":1301.42,"end":1301.92,"sentiment":"neutral","sentiment_score":0.32840126752853394}],"sentiment":"neutral","sentiment_score":0.020786303037311882,"channel":0,"num_words":32,"start":1291.2949,"end":1301.92},{"sentences":[{"text":"Now the next one here is a really good in is a really good question in relation to what's happening at the moment.","start":1301.98,"end":1306.9401,"sentiment":"neutral","sentiment_score":0.03569519746562709},{"text":"So so it","start":1306.9401,"end":1308.38,"sentiment":"neutral","sentiment_score":-0.03259350856145223}],"sentiment":"neutral","sentiment_score":0.027815731385579474,"channel":0,"num_words":26,"start":1301.98,"end":1308.38},{"sentences":[{"text":"Sorry.","start":1308.3551,"end":1308.8551,"sentiment":"neutral","sentiment_score":-0.1320299208164215}],"sentiment":"neutral","sentiment_score":-0.1320299208164215,"channel":1,"num_words":1,"start":1308.3551,"end":1308.8551},{"sentences":[{"text":"does say here that inflation means that things are getting more expensive over time, but inflation tends to devalue at the cost of our money.","start":1308.38,"end":1316.5349,"sentiment":"neutral","sentiment_score":-0.21866984844207762},{"text":"So a $100 is is isn't worth a $100 next year.","start":1316.5349,"end":1319.4149,"sentiment":"neutral","sentiment_score":-0.3257180533625863},{"text":"It is devalued by inflationary risk.","start":1319.4149,"end":1323.2749,"sentiment":"neutral","sentiment_score":-0.2989194268981616},{"text":"So the question here is how much risk do you feel you're comfortable with in your super?","start":1323.335,"end":1328.3949,"sentiment":"neutral","sentiment_score":-0.06151604126481449},{"text":"How much risk do you feel comfortable taking with now in order to get greater long term results knowing that there is a lot of volatility in the shorter term like what we're seeing at the moment?","start":1328.63,"end":1338.25,"sentiment":"neutral","sentiment_score":-0.12078773351134481}],"sentiment":"neutral","sentiment_score":-0.1703966687588642,"channel":0,"num_words":96,"start":1308.38,"end":1338.25},{"sentences":[{"text":"Do you think you're comfortable taking on more of a higher level of risk in order to get greater long term performance, but knowing there is a lot more volatility and you feel it greater in the shorter term?","start":1338.63,"end":1350.005,"sentiment":"neutral","sentiment_score":-0.058417223346156955},{"text":"Do you consider yourself to be maybe in a moderate or medium capacity where you'd be happy happy taking some risk, but maybe not a lot?","start":1350.005,"end":1358.01,"sentiment":"neutral","sentiment_score":0.059262354929859824},{"text":"Or do you feel comfortable taking no risk in the and getting lower returns?","start":1358.15,"end":1362.09,"sentiment":"neutral","sentiment_score":-0.026609742481793677},{"text":"How do you sort of feel that you fit I'm sorry.","start":1362.15,"end":1367.37,"sentiment":"neutral","sentiment_score":-0.00929975306445902}],"sentiment":"neutral","sentiment_score":-0.013469824008643628,"channel":0,"num_words":90,"start":1338.63,"end":1367.37},{"sentences":[{"text":"Look.","start":1369.14,"end":1369.4601,"sentiment":"neutral","sentiment_score":-0.05384732410311699},{"text":"I'm I'm I'm not really not sure.","start":1369.4601,"end":1371.7001,"sentiment":"neutral","sentiment_score":-0.11897028131144387},{"text":"Probably between moderate and high.","start":1371.7001,"end":1374.1,"sentiment":"neutral","sentiment_score":-0.045192153006792066},{"text":"So","start":1374.1,"end":1374.6,"sentiment":"neutral","sentiment_score":0.0018931999802589417}],"sentiment":"neutral","sentiment_score":-0.07933620416692325,"channel":1,"num_words":14,"start":1369.14,"end":1374.6},{"sentences":[{"text":"Yep.","start":1374.9651,"end":1375.365,"sentiment":"neutral","sentiment_score":0.01651071198284626}],"sentiment":"neutral","sentiment_score":0.01651071198284626,"channel":0,"num_words":1,"start":1374.9651,"end":1375.365},{"sentences":[{"text":"I","start":1375.06,"end":1375.38,"sentiment":"neutral","sentiment_score":-0.005937565118074417}],"sentiment":"neutral","sentiment_score":-0.005937565118074417,"channel":1,"num_words":1,"start":1375.06,"end":1375.38},{"sentences":[{"text":"Yep.","start":1375.365,"end":1375.865,"sentiment":"neutral","sentiment_score":0.030799325555562973}],"sentiment":"neutral","sentiment_score":0.030799325555562973,"channel":0,"num_words":1,"start":1375.365,"end":1375.865},{"sentences":[{"text":"I don't wanna lose it all, but, yeah, I wanna","start":1375.38,"end":1378.2001,"sentiment":"neutral","sentiment_score":-0.0667029844596982}],"sentiment":"neutral","sentiment_score":-0.0667029844596982,"channel":1,"num_words":10,"start":1375.38,"end":1378.2001},{"sentences":[{"text":"Yeah.","start":1378.0851,"end":1378.5851,"sentiment":"neutral","sentiment_score":0.0036853067576885223}],"sentiment":"neutral","sentiment_score":0.0036853067576885223,"channel":0,"num_words":1,"start":1378.0851,"end":1378.5851},{"sentences":[{"text":"like I said, I just wanna cover","start":1381.155,"end":1383.095,"sentiment":"neutral","sentiment_score":0.013029988322939192}],"sentiment":"neutral","sentiment_score":0.013029988322939192,"channel":1,"num_words":7,"start":1381.155,"end":1383.095},{"sentences":[{"text":"Yep.","start":1383.9401,"end":1384.42,"sentiment":"neutral","sentiment_score":0.04089910537004471},{"text":"The cost.","start":1384.42,"end":1385.0801,"sentiment":"neutral","sentiment_score":0.03677626512944698}],"sentiment":"neutral","sentiment_score":0.038150545209646225,"channel":0,"num_words":3,"start":1383.9401,"end":1385.0801},{"sentences":[{"text":"all the all the fees, really, sort","start":1385.0751,"end":1387.395,"sentiment":"neutral","sentiment_score":0.02899855242243835}],"sentiment":"neutral","sentiment_score":0.02899855242243835,"channel":1,"num_words":7,"start":1385.0751,"end":1387.395},{"sentences":[{"text":"Yep.","start":1387.38,"end":1387.88,"sentiment":"neutral","sentiment_score":0.04678325355052948}],"sentiment":"neutral","sentiment_score":0.04678325355052948,"channel":0,"num_words":1,"start":1387.38,"end":1387.88},{"sentences":[{"text":"of keep it I wanna keep it at, like, $60.66 ish.","start":1387.395,"end":1391.655,"sentiment":"neutral","sentiment_score":0.0607619353316047}],"sentiment":"neutral","sentiment_score":0.0607619353316047,"channel":1,"num_words":11,"start":1387.395,"end":1391.655},{"sentences":[{"text":"Yep.","start":1392.595,"end":1393.095,"sentiment":"neutral","sentiment_score":0.08307203650474548},{"text":"Yep.","start":1393.235,"end":1393.735,"sentiment":"neutral","sentiment_score":0.15026891231536865},{"text":"Absolutely.","start":1393.875,"end":1394.375,"sentiment":"positive","sentiment_score":0.36019790172576904},{"text":"The next one here is about volatility, and it says, obviously, looking is super.","start":1395.875,"end":1399.475,"sentiment":"neutral","sentiment_score":-0.02486803994647094},{"text":"We do understand.","start":1399.475,"end":1400.355,"sentiment":"neutral","sentiment_score":-0.15046118448177973}],"sentiment":"neutral","sentiment_score":-0.010299863107502461,"channel":0,"num_words":20,"start":1392.595,"end":1400.355},{"sentences":[{"text":"And at the moment, you are showing a bit more of a negative result because you are a little bit back from where you were this time last year.","start":1400.355,"end":1406.615,"sentiment":"negative","sentiment_score":-0.4295848125013812},{"text":"So because you do have a good twenty odd years before accessing super at this point in time, do how does it feel when you sort of do find your super has taken a bit of a a pullback with what's happening in the markets generally?","start":1407.27,"end":1419.75,"sentiment":"neutral","sentiment_score":-0.2667974623972955},{"text":"Do you feel a bit more concerned?","start":1419.75,"end":1421.4501,"sentiment":"negative","sentiment_score":-0.3594949884074075},{"text":"Are you just sort of wanting to speak to us and find out what's happening?","start":1422.225,"end":1425.105,"sentiment":"neutral","sentiment_score":-0.26161761085192364},{"text":"Do you feel comfortable holding and waiting, or is it more making you giving you a bit of anxiety?","start":1425.105,"end":1429.845,"sentiment":"negative","sentiment_score":-0.3924790275724311}],"sentiment":"neutral","sentiment_score":-0.3330040813648495,"channel":0,"num_words":116,"start":1400.355,"end":1429.845},{"sentences":[{"text":"How do you sort of feel?","start":1429.905,"end":1431.445,"sentiment":"neutral","sentiment_score":-0.20064935088157654}],"sentiment":"neutral","sentiment_score":-0.20064935088157654,"channel":0,"num_words":6,"start":1429.905,"end":1431.445},{"sentences":[{"text":"It does worry me a bit, but,","start":1434.06,"end":1435.8401,"sentiment":"neutral","sentiment_score":-0.321563931448119}],"sentiment":"neutral","sentiment_score":-0.321563931448119,"channel":1,"num_words":7,"start":1434.06,"end":1435.8401},{"sentences":[{"text":"Yep.","start":1436.0,"end":1436.5,"sentiment":"neutral","sentiment_score":-0.11237376928329468}],"sentiment":"neutral","sentiment_score":-0.11237376928329468,"channel":0,"num_words":1,"start":1436.0,"end":1436.5},{"sentences":[{"text":"usually, when you have a slump, it goes back up again.","start":1436.14,"end":1439.9149,"sentiment":"neutral","sentiment_score":-0.321376310153441}],"sentiment":"neutral","sentiment_score":-0.321376310153441,"channel":1,"num_words":11,"start":1436.14,"end":1439.9149},{"sentences":[{"text":"Yeah.","start":1440.4,"end":1440.8,"sentiment":"neutral","sentiment_score":0.02946482226252556},{"text":"Absolutely.","start":1440.8,"end":1441.3,"sentiment":"neutral","sentiment_score":0.15012730658054352}],"sentiment":"neutral","sentiment_score":0.08979606442153454,"channel":0,"num_words":2,"start":1440.4,"end":1441.3},{"sentences":[{"text":"So","start":1441.015,"end":1441.515,"sentiment":"neutral","sentiment_score":0.0595027431845665}],"sentiment":"neutral","sentiment_score":0.0595027431845665,"channel":1,"num_words":1,"start":1441.015,"end":1441.515},{"sentences":[{"text":"Absolutely.","start":1441.68,"end":1442.18,"sentiment":"neutral","sentiment_score":0.08086903393268585}],"sentiment":"neutral","sentiment_score":0.08086903393268585,"channel":0,"num_words":1,"start":1441.68,"end":1442.18},{"sentences":[{"text":"I don't wanna if I pulled it down, would I miss the rise?","start":1441.815,"end":1445.595,"sentiment":"neutral","sentiment_score":-0.1481357692525937}],"sentiment":"neutral","sentiment_score":-0.1481357692525937,"channel":1,"num_words":13,"start":1441.815,"end":1445.595},{"sentences":[{"text":"Yeah.","start":1446.255,"end":1446.5751,"sentiment":"neutral","sentiment_score":-0.02207310125231743},{"text":"Yep.","start":1446.5751,"end":1446.8151,"sentiment":"neutral","sentiment_score":0.010463203303515913},{"text":"And that's a really good sort of point because that is that's exactly what we sort of don't wanna be doing.","start":1446.8151,"end":1451.615,"sentiment":"neutral","sentiment_score":-0.08818616381003744},{"text":"We don't wanna have to cement losses, but it's also a bit of a juggling guess because whilst you don't wanna cement losses while the market is having a bit of a pullback, you also don't wanna take on too much risk in the market than what you're comfortable doing.","start":1451.615,"end":1465.321,"sentiment":"neutral","sentiment_score":-0.19968696668744088},{"text":"So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking","start":1465.321,"end":1474.155,"sentiment":"neutral","sentiment_score":-0.06518510973546654}],"sentiment":"neutral","sentiment_score":-0.13270277317968152,"channel":0,"num_words":105,"start":1446.255,"end":1474.155},{"sentences":[{"text":"Yeah.","start":1474.535,"end":1475.035,"sentiment":"neutral","sentiment_score":0.051377639174461365}],"sentiment":"neutral","sentiment_score":0.051377639174461365,"channel":1,"num_words":1,"start":1474.535,"end":1475.035},{"sentences":[{"text":"in order to get that long term recovery.","start":1474.555,"end":1476.5751,"sentiment":"neutral","sentiment_score":0.1410812558606267},{"text":"Other times, if you're still comfortable being in that high growth environment for a little bit longer, you wanna sort of see if it can come out, we can always just hold and wait because realistically and there's a really great report that Vanguard did a few years back where they looked at, you know, the idea of staying in the market, participating in the market in index funds, and just waiting through those market ups and downs and staying invested through the downtimes and allowing the portfolio to come through recovery versus active managers who were trying to outperform the market and trying to pick when to buy in.","start":1477.355,"end":1512.535,"sentiment":"neutral","sentiment_score":0.2669216770340096},{"text":"And they sort of worked out that if you miss the best and worst days, depending on how much you had invested and the risk level that you were taking, they averaged it out that you could yeah.","start":1512.675,"end":1523.17,"sentiment":"neutral","sentiment_score":-0.10353476475728185},{"text":"They averaged that that you could be missing over the course of ten or twenty years about 20 to $50,000.","start":1523.17,"end":1528.63,"sentiment":"neutral","sentiment_score":-0.11032922230660916},{"text":"So,","start":1529.025,"end":1529.185,"sentiment":"neutral","sentiment_score":-0.026903267949819565}],"sentiment":"neutral","sentiment_score":0.13741370477834663,"channel":0,"num_words":177,"start":1474.555,"end":1529.185},{"sentences":[{"text":"Yeah.","start":1529.115,"end":1529.615,"sentiment":"neutral","sentiment_score":-0.12523838877677915}],"sentiment":"neutral","sentiment_score":-0.12523838877677915,"channel":1,"num_words":1,"start":1529.115,"end":1529.615},{"sentences":[{"text":"realistically, selling in the downtime is not preferable.","start":1529.185,"end":1532.9651,"sentiment":"neutral","sentiment_score":-0.32794477231800556},{"text":"However, it also so it also comes down to your comfort level as well.","start":1533.8251,"end":1538.0651,"sentiment":"neutral","sentiment_score":-0.13101169892719813},{"text":"So I've 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you're also trying to time the market, and that's not something that we're able to do.","start":1548.71,"end":1553.2699,"sentiment":"neutral","sentiment_score":-0.2175576750189066},{"text":"No one can time the market 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safe.","start":1626.5399,"end":1627.5,"sentiment":"neutral","sentiment_score":-0.23715687791506448}],"sentiment":"neutral","sentiment_score":-0.28666499410482016,"channel":0,"num_words":102,"start":1595.51,"end":1627.5},{"sentences":[{"text":"I shouldn't have thrown that out there, but, essentially, it's a you know, these investments have seen the track record.","start":1627.5,"end":1632.5399,"sentiment":"neutral","sentiment_score":-0.11660085525363684},{"text":"They have been through downtime.","start":1632.5399,"end":1633.98,"sentiment":"neutral","sentiment_score":-0.20942382514476776},{"text":"They have seen really big huge drops in the market and being through those and come out the other side.","start":1633.98,"end":1639.9199,"sentiment":"neutral","sentiment_score":-0.33174448683857916},{"text":"The other sort of thing I do like is with the S and P 500 and the a 200, you're invested in the top 500 companies in The US or the top 200 companies in Australia with the beta shares a 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removed out of the index, and then other companies are moved in that do meet the criteria.","start":1679.655,"end":1689.14,"sentiment":"neutral","sentiment_score":-0.07952852930341447},{"text":"So you can sort of show you always invest in the top companies there.","start":1689.6,"end":1693.52,"sentiment":"neutral","sentiment_score":0.11110690555402211},{"text":"Companies that don't meet that criteria are removed out and, you know, other ones are replaced.","start":1693.52,"end":1698.2849,"sentiment":"neutral","sentiment_score":-0.02827882650308311},{"text":"And the same thing happens with the a 200.","start":1698.2849,"end":1700.2849,"sentiment":"neutral","sentiment_score":0.0950217346350352}],"sentiment":"neutral","sentiment_score":0.08254955687022549,"channel":0,"num_words":123,"start":1664.74,"end":1700.2849},{"sentences":[{"text":"It's about being invested in the top 200 companies at all 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on down, but I just wanna","start":2037.7649,"end":2039.625,"sentiment":"neutral","sentiment_score":0.025170934852212667}],"sentiment":"neutral","sentiment_score":0.025170934852212667,"channel":1,"num_words":8,"start":2037.7649,"end":2039.625},{"sentences":[{"text":"Yeah.","start":2039.82,"end":2040.32,"sentiment":"neutral","sentiment_score":0.021503964439034465}],"sentiment":"neutral","sentiment_score":0.021503964439034465,"channel":0,"num_words":1,"start":2039.82,"end":2040.32},{"sentences":[{"text":"hope hopefully make enough just to pay all the 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with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest.","start":2049.26,"end":2067.6099,"sentiment":"neutral","sentiment_score":0.03639976538917316},{"text":"With regards to the high growth portfolio that you're kind of looking at and are in at the moment, you generally sort of expect a negative return sort of one in every five years.","start":2068.15,"end":2079.465,"sentiment":"neutral","sentiment_score":-0.1414380509625463},{"text":"And you're sort of looking to try and get an average rate of return of about 8% eight to 10%.","start":2080.405,"end":2085.5251,"sentiment":"neutral","sentiment_score":-0.13089195378124713},{"text":"So anything under that 8% is a bit more of an underperformance or a lower rate of return for the year.","start":2085.5251,"end":2090.62,"sentiment":"neutral","sentiment_score":-0.22852180295047306},{"text":"Anything over that 10% is kind of, you know, over performance, and you've done exceptionally well.","start":2090.62,"end":2096.16,"sentiment":"neutral","sentiment_score":-0.10388155397959054}],"sentiment":"neutral","sentiment_score":-0.0806082222598041,"channel":0,"num_words":147,"start":2049.26,"end":2096.16},{"sentences":[{"text":"What we can sort of maybe look at doing if you would like to is maybe just adjust the risk level a little bit.","start":2096.46,"end":2101.74,"sentiment":"neutral","sentiment_score":-0.04971708248679837},{"text":"So you're dropping it by about 10%.","start":2101.74,"end":2103.68,"sentiment":"neutral","sentiment_score":-0.028847280756703446},{"text":"It's sort of starting to reduce it in 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the changes as much as possible, minimizes the CGT consequences in your portfolio, and just reduce those growth assets down to about 10 five sorry, to 80%, so dropping it down by 10% there, and then increase those defensive investments by about 20 220%.","start":2116.3552,"end":2135.39,"sentiment":"neutral","sentiment_score":0.037578660573037166},{"text":"So it's by about 10% alteration there.","start":2135.5251,"end":2137.945,"sentiment":"neutral","sentiment_score":-0.004245278026376452}],"sentiment":"neutral","sentiment_score":0.033729607571980784,"channel":0,"num_words":84,"start":2108.0352,"end":2137.945},{"sentences":[{"text":"Yes.","start":2137.49,"end":2137.99,"sentiment":"neutral","sentiment_score":0.02511665970087051}],"sentiment":"neutral","sentiment_score":0.02511665970087051,"channel":1,"num_words":1,"start":2137.49,"end":2137.99},{"sentences":[{"text":"The expected average return you're sort of looking at with the growth portfolio is about seven to 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months.","start":2180.585,"end":2186.045,"sentiment":"neutral","sentiment_score":-0.29459260333152043}],"sentiment":"neutral","sentiment_score":-0.29459260333152043,"channel":1,"num_words":21,"start":2180.585,"end":2186.045},{"sentences":[{"text":"It's it's a bit up in there at the moment.","start":2186.7148,"end":2188.555,"sentiment":"neutral","sentiment_score":-0.33073094487190247},{"text":"Who knows what's gonna happen?","start":2188.555,"end":2189.6748,"sentiment":"negative","sentiment_score":-0.35912355184555056},{"text":"You kinda get some news coming out of The US, and everyone kinda goes, yay.","start":2189.6748,"end":2193.115,"sentiment":"neutral","sentiment_score":-0.20457274615764617},{"text":"It looks like it might all be over soon, and then all of a sudden, something happens tomorrow.","start":2193.115,"end":2196.9548,"sentiment":"neutral","sentiment_score":-0.28364957289563286},{"text":"Trump has a bit of a spat on social 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happen?","start":2204.3599,"end":2207.32,"sentiment":"neutral","sentiment_score":-0.1884114784853799},{"text":"But that seventy thirty sort of split is dropping it down to the balanced growth environment there.","start":2207.32,"end":2212.005,"sentiment":"neutral","sentiment_score":0.010360984241261202},{"text":"We're sort of averaging to try and obtain a six to 8% return there.","start":2212.2449,"end":2216.265,"sentiment":"neutral","sentiment_score":0.18083394744566508},{"text":"You've got about 70% in those growth investments.","start":2216.4048,"end":2218.8848,"sentiment":"neutral","sentiment_score":0.24334627203643322},{"text":"You're increasing the defensive lower risk investments to 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that without ongoing service fee, it is a percentage based fee as well.","start":2229.0798,"end":2234.28,"sentiment":"neutral","sentiment_score":0.00007654474500347587},{"text":"So it's 1.65% per annum, but it is in line with what's happening in your portfolio.","start":2234.28,"end":2240.375,"sentiment":"neutral","sentiment_score":0.063972276635468},{"text":"So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it.","start":2240.595,"end":2245.7952,"sentiment":"neutral","sentiment_score":-0.04509611410044488},{"text":"So our","start":2245.7952,"end":2246.2751,"sentiment":"neutral","sentiment_score":0.015810474753379822}],"sentiment":"neutral","sentiment_score":0.0019546471469636473,"channel":0,"num_words":56,"start":2229.0798,"end":2246.2751},{"sentences":[{"text":"Yeah.","start":2246.245,"end":2246.745,"sentiment":"neutral","sentiment_score":0.029021942988038063}],"sentiment":"neutral","sentiment_score":0.029021942988038063,"channel":1,"num_words":1,"start":2246.245,"end":2246.745},{"sentences":[{"text":"fee is relative and linked to what your portfolio is doing.","start":2246.2751,"end":2249.815,"sentiment":"neutral","sentiment_score":0.031181517141786488},{"text":"When the portfolio is higher, our fee is gonna be higher.","start":2249.875,"end":2252.73,"sentiment":"neutral","sentiment_score":-0.0176065977324139},{"text":"What if portfolio is taking a bit of a dip due to what's happening externally, then our fee will take a bit of a dip there with 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portfolios to see if maybe they've got, you know, investors that have been working a little bit harder, maybe move it up to one of the newer balance growth portfolios, I'll look at the CGT consequences for you and have a bit of a look at all the factors and see what we've got what we're doing there.","start":2353.4949,"end":2370.6902,"sentiment":"neutral","sentiment_score":0.07270351521583507},{"text":"The other thing we can look at is we've also recently set up our own investments and o f u investment option.","start":2370.83,"end":2379.2449,"sentiment":"neutral","sentiment_score":0.10161389088766141},{"text":"It's called an estimate, so separately managed account.","start":2379.2449,"end":2381.905,"sentiment":"neutral","sentiment_score":0.05655075889080763},{"text":"At the moment, when you look at your super, you can currently see all the different investment options that you have in 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we utilize their investment committee, their research houses, their analysts to build this sort of SMA product.","start":2425.33,"end":2434.7551,"sentiment":"neutral","sentiment_score":0.23486509201703248}],"sentiment":"neutral","sentiment_score":0.20780713929597175,"channel":0,"num_words":132,"start":2392.54,"end":2434.7551},{"sentences":[{"text":"Within the SMA, we can have anywhere from, say, five to 20 to 50 different investment options, but it allows us to be able to make make changes to the investments without having to update the advice for you.","start":2435.5352,"end":2447.155,"sentiment":"neutral","sentiment_score":0.21688241091294166},{"text":"So as a really good example, with the SMA, last week, we were able to meet with the investment committee.","start":2447.3,"end":2454.82,"sentiment":"neutral","sentiment_score":0.15273284688591957},{"text":"Sorry.","start":2454.82,"end":2455.14,"sentiment":"neutral","sentiment_score":-0.0840907096862793},{"text":"That was two weeks 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up.","start":2565.425,"end":2568.805,"sentiment":"positive","sentiment_score":0.562676168150372}],"sentiment":"positive","sentiment_score":0.562676168150372,"channel":1,"num_words":9,"start":2565.425,"end":2568.805},{"sentences":[{"text":"Hi, Ross.","start":2589.7668,"end":2590.2468,"sentiment":"neutral","sentiment_score":0.17857098579406738},{"text":"Can you hear me?","start":2590.2468,"end":2591.1467,"sentiment":"neutral","sentiment_score":0.03148255869746208},{"text":"Hello, Ross.","start":2598.1667,"end":2599.067,"sentiment":"neutral","sentiment_score":-0.015703309327363968}],"sentiment":"neutral","sentiment_score":0.056458198465406895,"channel":0,"num_words":8,"start":2589.7668,"end":2599.067}]},"summary":{"result":"success","short":"During a conversation between various speakers, they discuss various topics including the impact of high risk investments on the portfolio, risk reduction, and reducing risk levels. They emphasize the importance of staying within the market and avoiding risky stocks, as well as the need for investors to invest in the top companies in certain industries and avoid falling behind. They also mention the importance of reducing risk levels and increasing defensive lower-risk investments, as well as the potential benefits of their own investments and their own investment committee. They emphasize the need for investors to invest in the top companies in certain industries and avoid falling behind."},"intents":{"segments":[{"text":"We had you booked in this morning to go through your annual review. Is now still a good time there for you?","start_word":25,"end_word":46,"intents":[{"intent":"Confirm time","confidence_score":0.1552198}]},{"text":"We had you booked in this morning to go through your annual review. Is now still a good time there for you? Yeah.","start_word":25,"end_word":47,"intents":[{"intent":"Check job status","confidence_score":0.0007164196}]},{"text":"And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Ross Higgins.","start_word":91,"end_word":135,"intents":[{"intent":"Discuss security","confidence_score":0.58814}]},{"text":"I did wanna do a quick review of your file beforehand. I understand you've got a bit of a spinal injury. Is that right? Yeah.","start_word":232,"end_word":256,"intents":[{"intent":"Discuss file","confidence_score":0.34089178}]},{"text":"need to find something I wanna do.","start_word":524,"end_word":530,"intents":[{"intent":"Find work opportunities","confidence_score":0.016379999}]},{"text":"Did anyone sort of talk to you about the option of maybe trying to claim incapacity against this sofa?","start_word":691,"end_word":709,"intents":[{"intent":"Claim incapacity against sofa","confidence_score":0.46628073}]},{"text":"No.","start_word":754,"end_word":754,"intents":[{"intent":"Refuse claim","confidence_score":0.016936308}]},{"text":"But we can also provide advice on how to try and limit or minimize the tax consequences for doing so as well.","start_word":1059,"end_word":1080,"intents":[{"intent":"Provide guidance on tax consequences","confidence_score":0.0010105359}]},{"text":"But your balance in the super account at the moment is showing $63,021.98.","start_word":1151,"end_word":1163,"intents":[{"intent":"Check balance","confidence_score":0.07202952}]},{"text":"Do you remember seeing an email come through with a record of advice in the last few months? No.","start_word":1333,"end_word":1351,"intents":[{"intent":"Get investment advice","confidence_score":0.0018577998}]},{"text":"No. I don't really check my No. emails very often. That's okay.","start_word":1351,"end_word":1362,"intents":[{"intent":"Check portfolio","confidence_score":0.066613644}]},{"text":"It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward.","start_word":1415,"end_word":1455,"intents":[{"intent":"Limit impact","confidence_score":0.27176315}]},{"text":"We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year.","start_word":1474,"end_word":1502,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.05586464}]},{"text":"Has anyone kinda talked to you about reevaluating the risk level that you're undertaking?","start_word":1858,"end_word":1871,"intents":[{"intent":"Review portfolio performance","confidence_score":0.018158523}]},{"text":"So your portfolio has done quite well for the last twelve months.","start_word":2611,"end_word":2622,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.36652258}]},{"text":"So what I would like to do is maybe not change anything in the portfolio at the moment. Let's give it maybe a little bit of time. Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to.","start_word":2893,"end_word":2958,"intents":[{"intent":"Plan portfolio management","confidence_score":0.000095727555}]},{"text":"If I have a look here at the portfolio report that I've got So just I've go sort back of made, to that one. like, 2,000 then. Yeah.","start_word":3140,"end_word":3167,"intents":[{"intent":"Analyze portfolio impact","confidence_score":0.006248152}]},{"text":"It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it. We kind of have to wade through this time. But I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things.","start_word":3406,"end_word":3476,"intents":[{"intent":"Monitor portfolio performance","confidence_score":0.06526285}]},{"text":"Well, let's maybe run through those risk profile questionnaire. Let's I'll ask you the questions. We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking. Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward. Does that sound okay? Yeah.","start_word":3874,"end_word":3939,"intents":[{"intent":"Discuss risk levels and preferences","confidence_score":0.00045716105}]},{"text":"So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking Yeah.","start_word":4549,"end_word":4581,"intents":[{"intent":"Rebalance and pull back","confidence_score":0.010416739}]},{"text":"in order to get that long term recovery.","start_word":4582,"end_word":4589,"intents":[{"intent":"Maximize recovery","confidence_score":0.003098575}]},{"text":"realistically, selling in the downtime is not preferable. However, it also so it also comes down to your comfort level as well.","start_word":4760,"end_word":4781,"intents":[{"intent":"Play in the market","confidence_score":0.0016659942},{"intent":"Find comfort level","confidence_score":0.00080452726}]},{"text":"So I've got So with hindsight, our book it would here, have I'd been good to change it all back in January absolutely. and then Hindsight's probably a put beautiful it back up in thing. a few more months.","start_word":4782,"end_word":4820,"intents":[{"intent":"Plan back in january","confidence_score":0.00012523516}]},{"text":"But in this scenario, you're also trying to time the market, and that's not something that we're able to do. No one can time the market perfectly. I Nah.","start_word":4823,"end_word":4851,"intents":[{"intent":"Time the market","confidence_score":0.54492414}]},{"text":"A lot of these investment options have been through downtimes like the GFC in the early two thousand eight, 2009 sort of period through COVID. And they've gone through those downtimes, seen more of a drop than what we've got at the moment, and still come back and shown recovery and grown and had growth from there.","start_word":4989,"end_word":5045,"intents":[{"intent":"Explain investment options","confidence_score":0.0108208535}]},{"text":"I've got a lot of clients who have wanted to have a bit more in the way of commodities at the moment, especially some of my older clients that are closest for retirement.","start_word":5632,"end_word":5664,"intents":[{"intent":"Optimize portfolios","confidence_score":0.0010617649}]},{"text":"Your portfolio has shown it is down a little bit, but we do wanna obviously keep it tracking and do a bit of more of a catch up with you to sort of see if the next three months can provide a bit more of a recovery or how things do move since we've moved and changed that van along out of there.","start_word":5917,"end_word":5979,"intents":[{"intent":"Discuss portfolio updates","confidence_score":0.00067666563}]},{"text":"The last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Has there ever been something you've done or thought about doing? No.","start_word":6190,"end_word":6224,"intents":[{"intent":"Assess portfolio interest","confidence_score":0.017305253}]},{"text":"So with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest.","start_word":6483,"end_word":6538,"intents":[{"intent":"Discuss portfolio levels","confidence_score":0.00021579991}]},{"text":"So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it. So our Yeah.","start_word":7095,"end_word":7118,"intents":[{"intent":"Review portfolios","confidence_score":0.0005245135}]},{"text":"very Your much fees relative aren't as to much what's as happening. the your fees aren't as much as the insurance fees. No. Correct.","start_word":7174,"end_word":7197,"intents":[{"intent":"Inquire about fees","confidence_score":0.00025164586}]},{"text":"The other thing we can look at is we've also recently set up our own investments and o f u investment option. It's called an estimate, so separately managed account. At the moment, when you look at your super, you can currently see all the different investment options that you have in there.","start_word":7537,"end_word":7589,"intents":[{"intent":"Create investment options","confidence_score":0.005700605}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ross. It's Dana from Okie Financial. How are you this morning?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.16322678327560425},{"text":"Very good. And you? I'm very well. Thank you. Thanks for asking.","start_word":13,"end_word":24,"sentiment":"positive","sentiment_score":0.5599695444107056},{"text":"We had you booked in this morning to go through your annual review. Is now still a good time there for you? Yeah. Yeah. Yep.","start_word":25,"end_word":49,"sentiment":"neutral","sentiment_score":0.2637171447277069},{"text":"Fantastic.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.6488168239593506},{"text":"Ross, just to sort of start with things, I just wanted to confirm. We obviously do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yeah. Not a problem.","start_word":51,"end_word":89,"sentiment":"neutral","sentiment_score":0.27517813444137573},{"text":"Beautiful.","start_word":90,"end_word":90,"sentiment":"positive","sentiment_score":0.5071313977241516},{"text":"And as to the security, I am discussing your personal information, so I just wanna make sure we do things correctly for you. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Ross Higgins. '87 Yep. Blaux Court Sinclair. Yep.","start_word":91,"end_word":141,"sentiment":"neutral","sentiment_score":0.10616428405046464},{"text":"Beautiful. Thank you so much for that.","start_word":142,"end_word":148,"sentiment":"positive","sentiment_score":0.45149046182632446},{"text":"Russ, just to sort of jump into things, I wanted to sort of touch base and start with this. Sort of funny at, what are you sort of hoping to get out of today's review? Is there anything particular you wanted me to kinda touch base on for you? Or How things are going while there's no contributions? Yeah. Because I've Perfect. yeah. Because Yep. I'm still Absolutely. out of work and don't know when I'll be going back to work. No. Understandable. I did wanna do a quick review of your file beforehand. I understand you've got a bit of a spinal injury. Is that right? Yeah. I've had surgery, Yeah. so, it it'll be a while till I get back to work. Okay. No worries at all. And the surgery obviously went well. Have they given you kind of any idea as to how long you might be off work for or whether you're able to go back to what you were doing? I can't go back to what I was doing, full stop. Okay. Yep. Yeah. So it's a matter of trying to find well, re reskilling altogether, I suppose. I gotta go back to school. Okay. I'm so sorry. Yeah. Wow. And because having a look at things, you were a landscaper before your injury. Is that right? Yes. Thirty Wow. thirty five years. Yeah. Yeah. Thirty years. Wow.","start_word":149,"end_word":381,"sentiment":"neutral","sentiment_score":-0.03732017307770099},{"text":"I'm so sorry to hear that.","start_word":382,"end_word":387,"sentiment":"negative","sentiment_score":-0.3976995646953583},{"text":"And so you're off work. You're having to go back and sort of look at what you can possibly do. Are you getting any assistance with reskilling or looking for other roles, or is that kind of something that's just pushed down the track for the time being, or where is that up to at the moment? Yes, It's it's more of my my mentality. sir.","start_word":388,"end_word":453,"sentiment":"neutral","sentiment_score":-0.1839569956064224},{"text":"They've told me to sit in an office, and I just can't do it. And It's I'm trying not to the get same.","start_word":454,"end_word":476,"sentiment":"negative","sentiment_score":-0.4418756067752838},{"text":"my head around Oh, I'm so going sorry. back to school. Yeah.","start_word":477,"end_word":488,"sentiment":"neutral","sentiment_score":-0.20233196020126343},{"text":"To Oh, be well, honest, I'm very sorry I I to don't hear wanna that. do something that I'm not gonna be happy with because I know I won't I won't stay.","start_word":489,"end_word":520,"sentiment":"negative","sentiment_score":-0.4863570034503937},{"text":"So I Absolutely. need to find something I wanna do. Yeah. Yeah. No. I Absolutely. used to be happy to get up to go to work. Yeah. And you were outside all the time and doing a lot more. It's very different when you're in that office environment. Absolutely. Yep. Yeah. So, yeah, I'm hoping to find something where I can still go on-site, Yep. Yep. But, yeah, I'll have to sort of fifty fifty with site and office work. Yeah. So, yeah, we'll see what happens. Absolutely. Well, I'm very sorry to hear that's what you're going through at the moment. It can be very difficult, but I certainly do hope that something does come up for you soon. I did Oh, have yeah. a bit of a look back, and I know we have sort of tried the claim on that TDD policy, but because of the definition that was offered, it's you didn't quite meet that definition.","start_word":521,"end_word":680,"sentiment":"neutral","sentiment_score":-0.10191454738378523},{"text":"It was declined. I'm very sorry that it happened.","start_word":681,"end_word":689,"sentiment":"negative","sentiment_score":-0.5964519381523132},{"text":"Did anyone sort of talk to you about the option of maybe trying to claim incapacity against this sofa? Is that something that anyone sort of had to check to you What? To try and take about money out of my previously? super? Yeah. So we Well, can I don't depending I you're right. don't want to. I don't need to. Don't need to. No. That's okay. No. At Not the a moment, problem I'm still at all. on workers' compensation, so I'm still getting paid every week. Yep. A top up would be nice, but I don't wanna touch my super. No. That's understandable. It is always an option if you wanted to down the track. Now having a look at things, you are still very young, so I'm pretty sure your doctor is trying to find ways to get you back to work. But if you did need to in the future, we can claim a permanent incapacity against your super. Essentially, it is sort of similar to claiming PPD against TPD covers that we would need to get doctor's reports. We need to be able to prove you can't go back to any occupation for which you're trained eligible or have worked. So it is kind of an any occupation definition, and it is a very broad definition. So it is very hard to claim on, but it is Yes. something if you wanted to down the track, we can help you with. I do apologize. It's not something that someone sort of possibly brought up in the past, but that is an option down the track that we could always try to claim on that. I do have to let you know that there are taxation rules around us. So if a claim was made on your super and you decided to take it all as a lump sum, it does you are taxed up to 22% because you're under the age of 60. So there are taxes involved. But if it's something you wanna do down the track, have a chat with myself or one of the advisers here. We can help with the claim to assist you and try to get it through. But we can also provide advice on how to try and limit or minimize the tax consequences for doing so as well. Okay? Not a problem. I just All no. I good. wouldn't touch my system full stop. I'll find No. ways That's around okay. it. Yeah.","start_word":690,"end_word":1105,"sentiment":"neutral","sentiment_score":-0.06584495597948822},{"text":"Absolutely.","start_word":1106,"end_word":1106,"sentiment":"positive","sentiment_score":0.34544137120246887},{"text":"Not a problem at all. Now I've just also logged in to your super because your main question was how's your super doing. So having a look at things at the moment here, I'm just having a look at the transaction report as well. But your balance in the super account at the moment is showing $63,021.98. Just quickly pulling up a report. I do apologize. It takes a second. And what Here was we what go. was it at at the same point last year? Yeah. You're right. So at the same point last year, we had a balance of Sorry. Just taking a second to build. Might be a moment. So sorry. My computer's a bit slow. It's the first one of the day. Okay. So when I'm looking at the the performance report for the last twelve months here, it is showing the balance as of last year was opening value showing 66,166. So it is down a little bit on where you were this time last year. So it is has gone backwards a little bit, but that is purely because of what's been sort of happening in the markets generally. There has been a lot of volatility in ups and downs there. With your investments as well, now you did originally also have in your investments that been along Australian equities. Do you remember seeing an email come through with a record of advice in the last few months? No. I don't really check my No. emails very often. That's okay. So, obviously, with what's been happening in the markets generally and because, you know, portfolio hasn't really been getting any additional contributions and that we have seen a bit of volatility. So your portfolio has kinda gone backwards there. It is down about $3 from where you were this time last year. It's definitely also receiving a bit of income, which is kinda going into dividends that are being paid out of those investments and recompounded back, which will kinda help to limit the the the negative effect on your portfolio moving forward. But you also have been along Australian equities in there, and we sent you a record of advice.","start_word":1107,"end_word":1473,"sentiment":"neutral","sentiment_score":-0.060164853971075946},{"text":"We noticed a couple of weeks back that that was underperforming pretty heavily, and that's also had a little bit of a negative effect on your portfolio this year.","start_word":1474,"end_word":1502,"sentiment":"negative","sentiment_score":-0.5109347105026245},{"text":"So we actually had that removed because that investment was no longer seen as a a positive investment.","start_word":1503,"end_word":1520,"sentiment":"neutral","sentiment_score":-0.2884242534637451},{"text":"It was having more of a negative effect on your portfolio, and that's part of the reason it has been down for the last year as well.","start_word":1521,"end_word":1547,"sentiment":"negative","sentiment_score":-0.4820976257324219},{"text":"We have taken steps to remove that out there. So if you have a look at your emails, you will see that record of advice in there. We've removed Bannalong out of there, and we've put you into the BetaShares a 200, which is more of a passively lower cost investment, which has not been underperforming as much as Bennelong has.","start_word":1548,"end_word":1608,"sentiment":"neutral","sentiment_score":0.011225865222513676},{"text":"So moving forward here, we just wanna have that kind of help to boost your portfolio, hopefully have it come back and provide a bit more growth there as well.","start_word":1609,"end_word":1638,"sentiment":"positive","sentiment_score":0.5452108979225159},{"text":"But I'm being really honest with you. Portfolio has been down a little bit for the last year. It is down solely because of what we're seeing, the volatility in the market at the moment with what's been happening both globally and within Australia. So, globally, we all sort of hear about the Iran war and what's happening with The US and Iran and Europe as a whole. But then in Australia, we also have because we still have good good sorry. I'm looking for the word. The economy has been doing quite well with regard to employment, sorry, is the word I'm looking for. So we do actually have very high inflation at the moment as well, which is kinda hitting us on a different side of things and has been affecting some of the bonds and fixed interest components that we're seeing at the moment. So you are down a little bit on this year. It is showing still a positive return when we're looking at the growth there, but your balance is a bit lower from where you were this time last year, and that's kind of the reason for that. What I would like to maybe do is have a bit of a look. You're in more of a high growth environment as well. Has anyone kinda talked to you about reevaluating the risk level that you're undertaking? Has anyone kinda done a a risk profile with you recently or on the last twelve months ago? Do you know? Not that I know of. No. No. That's okay. So the other sort of thing you've got here is that you're in more of a high growth environment in your portfolio as well. And while taking on high growth is great when we're we've got twenty years of our time and however, you are taking a bit more risk in the market. So it does mean when the market's performing really well, that the returns can be really great and really high.","start_word":1639,"end_word":1973,"sentiment":"neutral","sentiment_score":-0.04472409407816716},{"text":"However, when we see times of large volatility like what's been happening at the moment, it does mean that when your portfolio sees dips, those dips are magnified a bit more, and you do do see more of a downside.","start_word":1974,"end_word":2013,"sentiment":"negative","sentiment_score":-0.3773791790008545},{"text":"And you can feel it a lot more as your balance increases as well. So I would maybe like to maybe talk to you about your risk profile. We maybe could look at reducing that risk a little bit in the market, which can also sort of help, but then doing a few more catch ups throughout the year as well, just checking to see how things are going and maybe, you know, look at how your portfolio is reacting, make sure we can see some sort of recovery moving forward. Okay? Yep. Yeah. Do you have any questions? I know I kinda go through a lot. Do you have any questions so far? Is there anything that you wanted to maybe touch a bit more on? Or Well, just what was it what was my balance before the war started? yeah. That's okay. Let's go back and have a bit of a look for you. So I'll go back into the report section because I can generate reports for all different times and dates. So let's look at last year up until the end of the year as a calendar year, and then we can kinda see where you were tracking for that year for the full calendar Yep. year last year because it was kind of from January onwards that we've seen a lot of this volatility Yep. with what's been occurring. And that kinda gives you an idea for where you were tracking and how much of a positive return it was, and then you can sort of see the pullback for this year and the volatility there. Okay? Yeah. Yeah. So sorry. Won't be two seconds. I just gotta generate the report.","start_word":2014,"end_word":2299,"sentiment":"neutral","sentiment_score":0.10249948230656712},{"text":"Beautiful.","start_word":2300,"end_word":2300,"sentiment":"positive","sentiment_score":0.48845720291137695},{"text":"So let's do custom. Hard to believe it's already April this year, isn't it? Oh, no. It's gone very quick. This year is flying by. I feel like the older I get, the more it flies by. There we go. Okay. So I'm just generating the calendar year report for you now. Just take a second to generate that. This is looking from the December 1 January 1 year to the December 31 year. Yeah. And that's showing here because you were also working for part of that point last year as well, weren't you? No. No? I've been off Not since off work? January. Okay. So off for over twelve months now. Beautiful. Okay. So On the '20 like, the January 21, I think, is when I stopped Okay. working. Yep. Yep. Perfect. Sorry. It's just thinking. It's loading. I've got that little spinning circle on my computer.","start_word":2301,"end_word":2449,"sentiment":"neutral","sentiment_score":0.028221288695931435},{"text":"Love that. Lovely.","start_word":2450,"end_word":2452,"sentiment":"positive","sentiment_score":0.4319981634616852},{"text":"I might actually look at our inception report as well for you because that'll kinda give you an idea of what's been happening over since you since you came on board originally. It is sort of encompassing this year as well, so it may show a neg hopefully, it doesn't show a negative result, but the volatility we are seeing at the moment has been a bit up and down. Here we go. Okay. So the inception report was the quickest one to generate. The other one's still loading for me, unfortunately. But it does show that the net return since inception there. There. So you came on board originally around about 2020 to 2026. So the return as a whole is about 3.87%. So it is a bit low for inception. It looks like you were tracking pretty well last year, up sort of around about five to 6% for last year until that volatility kinda hit.","start_word":2453,"end_word":2610,"sentiment":"neutral","sentiment_score":0.06821965426206589},{"text":"So your portfolio has done quite well for the last twelve months.","start_word":2611,"end_word":2622,"sentiment":"positive","sentiment_score":0.4549257457256317},{"text":"We had been tracking higher, but then what sorta happened from January to now is kind of pulled it back a little bit. And a lot of that is due to, you know, with where you are. Obviously, contributions do make a bit of a difference in this paper. But with no contributions, you are kind of just hoping the portfolio holds its own.","start_word":2623,"end_word":2686,"sentiment":"neutral","sentiment_score":-0.14710074663162231},{"text":"So when we see volatility, we are taking more risk in the market. We are gonna taking more risk in the market. We are gonna feel that volatility a lot more. We tend to feel the dips a lot heavier than we do the the ups the ups out of the portfolio.","start_word":2687,"end_word":2738,"sentiment":"negative","sentiment_score":-0.386957585811615},{"text":"So that's kind of where things are going at the moment. We do. There's no real idea on how long this is going to last. In the last sort of sorry. In the last sort of two weeks, we have seen the market take a bit of a dip, but we've also seen some recovery points there. So with your portfolio, with that record of advice that had been sent out in the last couple of weeks to you, with removing that alone, you have then seen a little bit of a recovery point there. So you're still down by about $3 on where you were last this time last year. However, we have seen a little bit of recovery points. The market was up by just under a percent yesterday, and your portfolio the a 200 that we've replaced it with is currently also showing an increase of about 4% there for you. So what I would like to do is maybe not change anything in the portfolio at the moment. Let's give it maybe a little bit of time. Let's revisit where things are at and see if we've got a bit of a recovery point out of what's happening for you, and then we can kinda come back and maybe readjust the portfolio if we need to. What I would probably also like to look at doing is maybe readjusting your risk level. So maybe moving you out of that high growth environment because there's no contributions going in. Adjusting that risk level, you can still see great returns with a lower risk portfolio, but you're sort of just, you know, limiting some of those higher risk investments. So we're kind of hoping to have a little bit less of that volatility side of things. Does that sound fairly comfortable for where you're at, or what are your thoughts in relation to that now? What what sort of just I'm not You're too right. fussed about it making making it go up. I'm more Yeah. covering the cost of the account, if you know what I Yeah. mean, Of for course. for you guys Yeah. and my insurances. Yeah. Absolutely. So the insurances at the moment, you've got your life and TPD coming out of there. They are showing a for this twelve months, the total cost there for the insurances that came out of super was $5,076.56. If I have a look here at the portfolio report that I've got So just I've go sort back of made, to that one. like, 2,000 then. Yeah. Yeah. So 5,000 It has covered. coming out. Yeah. Yeah. It has definitely covered the cost of our fees because the return I give you is always net of fees. Yeah.","start_word":2739,"end_word":3198,"sentiment":"neutral","sentiment_score":-0.006240125988488612},{"text":"So on the last twelve months there, the return after the cost of our fees for looking after the super and also after your insurance premiums have come out, you've still seen a a growth of $1,314.64 as a dollar figure. So that is still showing a positive result.","start_word":3199,"end_word":3247,"sentiment":"positive","sentiment_score":0.42623335123062134},{"text":"It's just that the total portfolio was down because of you know, you you got a little bit less in there than you did this time last year. But you are still seeing income, so we're looking at dividends that are being paid out of the portfolio that gets put back into the cash account and reinvested into the investment portfolio for dividends and the compounding effect. Yeah. And then you do see that additional growth there as well. The growth is kinda where it's all had that pullback. You're still getting income. When I look at the income that's been coming out, the dividends that have been paid out of the the individual investments, it's still happening.","start_word":3248,"end_word":3365,"sentiment":"neutral","sentiment_score":0.18544602394104004},{"text":"It's still a positive result there.","start_word":3366,"end_word":3371,"sentiment":"positive","sentiment_score":0.573858380317688},{"text":"The biggest thing is the growth component, which is the change in the investment prices. So that's currently down at the moment, and that's where the pullback sort of thing. It is expected. It's kind of everywhere at the moment, and there's not a great deal that we can do in relation to it. We kind of have to wade through this time.","start_word":3372,"end_word":3434,"sentiment":"neutral","sentiment_score":-0.16891672923451378},{"text":"But I'd love to do more catch ups with you so we can kinda check-in a little bit more regularly once every couple of months to see how things are going for you, just sort of keep an eye on things.","start_word":3435,"end_word":3475,"sentiment":"positive","sentiment_score":0.3584975600242615},{"text":"I mean, with with regards to the high risk component, the portfolio you're in, you're welcome to stay in that portfolio if that's where you'd like to be. But with no contributions going into the super until you kind of are able to go back to work. We are sort of hoping it's just making sure this the portfolio is working, and it's kind of only half the job. It's sort of like getting in a car and sort of hoping that it drives on minimal fuel without putting fuel in on a regular basis. You kinda end up, you know, running on fumes. So portfolios will work. You do get income and dividends and growth and things, but you're not sort of getting it. It doesn't do the whole job. Contributions do make a bit of a difference.","start_word":3476,"end_word":3614,"sentiment":"neutral","sentiment_score":0.01573643647134304},{"text":"Putting money into the portfolio on a regular basis does definitely help with the compounding effect.","start_word":3615,"end_word":3630,"sentiment":"positive","sentiment_score":0.5596093535423279},{"text":"It allows you to take allows you to take the benefit from when the markets are in a dip like we have seen in the last few months, putting money in and taking advantage of the downtime in our portfolio. But it's completely understandable that you can't at the moment with everything that you've got going on, but it is with regards to where we are at the moment.","start_word":3631,"end_word":3699,"sentiment":"neutral","sentiment_score":0.04027252644300461},{"text":"A selling investment is just cementing those losses and not sort of letting your portfolio have a chance to recover out.","start_word":3700,"end_word":3720,"sentiment":"negative","sentiment_score":-0.43643954396247864},{"text":"So we it is best to sort of hold and wait for the moment just to see where things are going, especially since this is, like, a market wide thing. It's affecting everybody. It's affecting retail funds, industry funds.","start_word":3721,"end_word":3759,"sentiment":"neutral","sentiment_score":-0.26723966002464294},{"text":"Everyone's portfolio performance is having a bit of a bit of a downtime at the moment with regard to what's going on.","start_word":3760,"end_word":3781,"sentiment":"negative","sentiment_score":-0.40032655000686646},{"text":"And yeah. So I would suggest sort of holding and waiting for the moment.","start_word":3782,"end_word":3795,"sentiment":"neutral","sentiment_score":-0.17215266823768616},{"text":"I'd love to maybe move you out of that high growth environment, maybe reduce your risk a little bit down.","start_word":3796,"end_word":3815,"sentiment":"positive","sentiment_score":0.3707793354988098},{"text":"But at the end of the day, it's gotta be what you're comfortable with as well. So what's your thoughts in relation to that? If you want me to break things down, you can you can let me know, Ross. No. That's fine. It's just your your opinion's pretty much what I go off. Yeah. Yeah.","start_word":3816,"end_word":3871,"sentiment":"neutral","sentiment_score":0.0914120227098465},{"text":"Perfect. Perfect.","start_word":3872,"end_word":3873,"sentiment":"positive","sentiment_score":0.5424962043762207},{"text":"Well, let's maybe run through those risk profile questionnaire. Let's I'll ask you the questions. We'll go through those individually, and you can kinda have a think about the answers and let me know what you're thinking. Then we can sort of talk about the difference in the risk level if you like and see what you're comfortable doing moving forward. Does that sound okay? Yeah. Yeah.","start_word":3874,"end_word":3940,"sentiment":"neutral","sentiment_score":0.1589297503232956},{"text":"Fantastic.","start_word":3941,"end_word":3941,"sentiment":"positive","sentiment_score":0.5648288130760193},{"text":"The first one here is have you ever invested in any shares in your own name in the past? Have you ever had investments outside of super in your own name? No. Nope. That's okay.","start_word":3942,"end_word":3976,"sentiment":"neutral","sentiment_score":0.07267376035451889},{"text":"All good. Beautiful.","start_word":3977,"end_word":3979,"sentiment":"positive","sentiment_score":0.5237996578216553},{"text":"The next one here is what sort of time horizon you're looking at before accessing super. So look at your age. You're still very young. You can't technically access super to the age of 60 there, so I'll just take that first box there for you. Okay? Perfect. Now the next one here is a really good in is a really good question in relation to what's happening at the moment. So so it Sorry. does say here that inflation means that things are getting more expensive over time, but inflation tends to devalue at the cost of our money. So a $100 is is isn't worth a $100 next year. It is devalued by inflationary risk. So the question here is how much risk do you feel you're comfortable with in your super? How much risk do you feel comfortable taking with now in order to get greater long term results knowing that there is a lot of volatility in the shorter term like what we're seeing at the moment? Do you think you're comfortable taking on more of a higher level of risk in order to get greater long term performance, but knowing there is a lot more volatility and you feel it greater in the shorter term? Do you consider yourself to be maybe in a moderate or medium capacity where you'd be happy happy taking some risk, but maybe not a lot? Or do you feel comfortable taking no risk in the and getting lower returns? How do you sort of feel that you fit I'm sorry. Look. I'm I'm I'm not really not sure. Probably between moderate and high. So Yep. I Yep. I don't wanna lose it all, but, yeah, I wanna Yeah. like I said, I just wanna cover Yep. The cost. all the all the fees, really, sort Yep. of keep it I wanna keep it at, like, $60.66 ish. Yep. Yep.","start_word":3980,"end_word":4299,"sentiment":"neutral","sentiment_score":-0.05109271411347436},{"text":"Absolutely.","start_word":4300,"end_word":4300,"sentiment":"positive","sentiment_score":0.36019790172576904},{"text":"The next one here is about volatility, and it says, obviously, looking is super. We do understand.","start_word":4301,"end_word":4317,"sentiment":"neutral","sentiment_score":-0.05477260798215866},{"text":"And at the moment, you are showing a bit more of a negative result because you are a little bit back from where you were this time last year.","start_word":4318,"end_word":4346,"sentiment":"negative","sentiment_score":-0.4286228716373443},{"text":"So because you do have a good twenty odd years before accessing super at this point in time, do how does it feel when you sort of do find your super has taken a bit of a a pullback with what's happening in the markets generally?","start_word":4347,"end_word":4392,"sentiment":"neutral","sentiment_score":-0.27718111872673035},{"text":"Do you feel a bit more concerned?","start_word":4393,"end_word":4399,"sentiment":"negative","sentiment_score":-0.3720676004886627},{"text":"Are you just sort of wanting to speak to us and find out what's happening?","start_word":4400,"end_word":4414,"sentiment":"neutral","sentiment_score":-0.251808762550354},{"text":"Do you feel comfortable holding and waiting, or is it more making you giving you a bit of anxiety?","start_word":4415,"end_word":4433,"sentiment":"negative","sentiment_score":-0.3924969732761383},{"text":"How do you sort of feel? It does worry me a bit, but, Yep. usually, when you have a slump, it goes back up again. Yeah. Absolutely. So Absolutely. I don't wanna if I pulled it down, would I miss the rise? Yeah. Yep. And that's a really good sort of point because that is that's exactly what we sort of don't wanna be doing. We don't wanna have to cement losses, but it's also a bit of a juggling guess because whilst you don't wanna cement losses while the market is having a bit of a pullback, you also don't wanna take on too much risk in the market than what you're comfortable doing. So sometimes it might be important to just rebalance or it might be important to maybe cement some of the losses to kind of pull back on the risk that you're taking Yeah. in order to get that long term recovery. Other times, if you're still comfortable being in that high growth environment for a little bit longer, you wanna sort of see if it can come out, we can always just hold and wait because realistically and there's a really great report that Vanguard did a few years back where they looked at, you know, the idea of staying in the market, participating in the market in index funds, and just waiting through those market ups and downs and staying invested through the downtimes and allowing the portfolio to come through recovery versus active managers who were trying to outperform the market and trying to pick when to buy in. And they sort of worked out that if you miss the best and worst days, depending on how much you had invested and the risk level that you were taking, they averaged it out that you could yeah. They averaged that that you could be missing over the course of ten or twenty years about 20 to $50,000. So, Yeah. realistically, selling in the downtime is not preferable. However, it also so it also comes down to your comfort level as well. So I've got So with hindsight, our book it would here, have I'd been good to change it all back in January absolutely. and then Hindsight's probably a put beautiful it back up in thing. a few more months. Absolutely. Absolutely. But in this scenario, you're also trying to time the market, and that's not something that we're able to do. No one can time the market perfectly. I Nah. can Nah. safely Yeah. say, if I could, I wouldn't have a job. I'd be sitting on a yacht somewhere, time in the market and investing money. So, you know, it's And not I'd about be retired sort of already because you would've absolutely. done my job for me.","start_word":4434,"end_word":4900,"sentiment":"neutral","sentiment_score":-0.01796992822017768},{"text":"Absolutely. So there is a lot to say for being passively invested and just staying within the market here. And having a look at the investments that you're invested in between the a 200, you've got some physical gold, which is showing good positive returns to the year.","start_word":4901,"end_word":4948,"sentiment":"positive","sentiment_score":0.4800666272640228},{"text":"You've got the S and P 500, some European exposures, some Japanese, and some cybersecurity in there. And those sorts of investments have all been around for a very long time, so they have seen those market ups and downs.","start_word":4949,"end_word":4988,"sentiment":"neutral","sentiment_score":0.05999188870191574},{"text":"A lot of these investment options have been through downtimes like the GFC in the early two thousand eight, 2009 sort of period through COVID.","start_word":4989,"end_word":5013,"sentiment":"negative","sentiment_score":-0.3618583381175995},{"text":"And they've gone through those downtimes, seen more of a drop than what we've got at the moment, and still come back and shown recovery and grown and had growth from there.","start_word":5014,"end_word":5045,"sentiment":"neutral","sentiment_score":-0.2773573100566864},{"text":"So we definitely haven't put you in anything that is really speculative or not safe in any way, shape, or form.","start_word":5046,"end_word":5066,"sentiment":"negative","sentiment_score":-0.3532082438468933},{"text":"All investors have a certain degree of risk, but all these investments have have seen a track record. So I hate the word safe. I shouldn't have thrown that out there, but, essentially, it's a you know, these investments have seen the track record. They have been through downtime. They have seen really big huge drops in the market and being through those and come out the other side. The other sort of thing I do like is with the S and P 500 and the a 200, you're invested in the top 500 companies in The US or the top 200 companies in Australia with the beta shares a 200. One of the good things about those sorts of index funds is that you are technically you are technically invested in the top companies there, and these are in these are funds that follow or track an industry. So with the S and P 500, it tracks the S and P 500 index, and the investment committee within the index there, they actually meet every quarter, and they make sure the companies within that index actually meet the criteria to be in the S and P 500. If those companies or if some of the companies in that no longer meet the criteria, they are removed out of the index, and then other companies are moved in that do meet the criteria. So you can sort of show you always invest in the top companies there. Companies that don't meet that criteria are removed out and, you know, other ones are replaced. And the same thing happens with the a 200. It's about being invested in the top 200 companies at all times. And when companies no longer meet the criteria to be in that industry, then they are removed out and other companies are replaced there.","start_word":5067,"end_word":5374,"sentiment":"neutral","sentiment_score":0.05300048778631857},{"text":"So it is a good way to be invested, making sure you're always following the top companies in those industries. You've also got some physical gold in here as well, and gold is more of as well as a growth asset, it also works defensively. And for the last twelve months, gold has done really, really well, and that has kinda had a really good effect on your portfolio. So at the moment, the return just for gold shows that in your portfolio, you are up by 24.8%.","start_word":5375,"end_word":5462,"sentiment":"positive","sentiment_score":0.5299909114837646},{"text":"The gold has had a really good effect on your portfolio this year, and it has sorta helped to keep to keep the negative return a little bit minimized. Does that make sense? Yeah. Does Yeah. that does that Yeah. mean it's probably due to go down now? Who knows? Honestly, who knows? We I remember in February, there was that one day when we did see it was between 11 to 18% dip in one day, so we did see a huge drop. But gold is still really heavily sought after, Oh, both yeah.","start_word":5463,"end_word":5557,"sentiment":"neutral","sentiment_score":0.05571681261062622},{"text":"as I mean, I love gold as a female, but then it's also a great investment.","start_word":5558,"end_word":5573,"sentiment":"positive","sentiment_score":0.3349999487400055},{"text":"And with the volatility we are still seeing at the moment, there is still a a big ask for gold that has still been seen good growth there as well. So, you know, it is definitely still needed, still wanted. And whilst it may have a dip coming, we don't know. It's it's definitely worth keeping your portfolio. I've got a lot of clients who have wanted to have a bit more in the way of commodities at the moment, especially some of my older clients that are closest for retirement. Just wanted to have a little bit of extra commodities, a bit of that gold and silver and things like that.","start_word":5574,"end_word":5685,"sentiment":"neutral","sentiment_score":0.14831584971398115},{"text":"So your gold has Yep. done really, really well and has had a benefit for your portfolio to helping minimize that that drop that you're seeing at the moment.","start_word":5686,"end_word":5714,"sentiment":"positive","sentiment_score":0.4386621117591858},{"text":"Yeah. Yes. That's okay. Has that helped? Is it giving you a bit more clarity? Did you wanna ask anything further? You're welcome to ask more questions or have me clarify anything further for you. No. It's it's as clear as it's gonna be for me. Yeah.","start_word":5715,"end_word":5761,"sentiment":"neutral","sentiment_score":0.11163074523210526},{"text":"Excellent. Excellent.","start_word":5762,"end_word":5763,"sentiment":"positive","sentiment_score":0.4889787137508392},{"text":"Would you like us to maybe set up so we can do maybe a catch up with you in did you want maybe three months, six months, or how long before you would want maybe another catch up for you? I'd love to make sure that we're doing additional catch ups with you. Another three months if we could. Yep. Yep.","start_word":5764,"end_word":5824,"sentiment":"neutral","sentiment_score":0.1264210343360901},{"text":"Absolutely. Beautiful.","start_word":5825,"end_word":5826,"sentiment":"positive","sentiment_score":0.4651322364807129},{"text":"What I Hopefully, you're Trump's sort of sorted his stuff out by them. you know what? We need to have him on our on our call list. We need to get him on our radar so we can just get him to, you know, man help maneuver markets when we need them to. Yeah. Let us know when he's gonna do something stupid. Absolutely. No. That's all good, honestly. It look. It's as I'd never wanna sort of provide any I never wanna lie to you. I wanna be honest. Your portfolio has shown it is down a little bit, but we do wanna obviously keep it tracking and do a bit of more of a catch up with you to sort of see if the next three months can provide a bit more of a recovery or how things do move since we've moved and changed that van along out of there. That as I said, that was one of the things that kind of made a bit of a a difference to your portfolio over the last few months as well as what's happening with the markets generally. But now that we've moved that investment out of there, it was underperforming. We've gotten rid of it for you. We've put that a 200 in there. We'll just sort of see how that tracks and see what happens over the next few months there. Did you wanna maybe look at reducing your risk level, or did you want us to sort of stay in this portfolio for the next twelve months knowing that it is high growth that you are taking on a little bit more risk in the market? How do you sort of feel about that? Well, I was thinking if I could put it down now, Yep. put it down to say the mid range, Yep. and then look at it again in three months, Yep. and then We can maybe do change that. it then. Hopefully, Yep. the Yep. market changes a bit. Yep.","start_word":5827,"end_word":6165,"sentiment":"neutral","sentiment_score":0.002009654914545428},{"text":"Absolutely. We can definitely look at doing that for you.","start_word":6166,"end_word":6175,"sentiment":"positive","sentiment_score":0.5718928575515747},{"text":"I just have two more questions to ask with regard to this one here. The last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Has there ever been something you've done or thought about doing? No. Nope. That's okay.","start_word":6176,"end_word":6227,"sentiment":"neutral","sentiment_score":0.031206700950860977},{"text":"Beautiful.","start_word":6228,"end_word":6228,"sentiment":"positive","sentiment_score":0.48162034153938293},{"text":"Having a look I did, at actually. your I thought about it and then and then didn't. went back. I don't know when the whole Bitcoin thing come about. Yeah. That's okay. And having a look at your circumstances, you're not you're renting at the moment. Is that right? Yep. Yep. That's okay. Have you ever owned a home or ever wanted to, or is that kind of a a goal you maybe have moving forward to buy a property or investment property, or was that not Yeah. sort It of is a goal, but it's just not a goal reachable at the moment. yep. Yep. That's okay. Not a problem at all.","start_word":6229,"end_word":6341,"sentiment":"neutral","sentiment_score":-0.0066258287988603115},{"text":"Beautiful.","start_word":6342,"end_word":6342,"sentiment":"positive","sentiment_score":0.5188238620758057},{"text":"And the last one here is sorry. The last one here is looking at kind of the average return that we're looking to achieve. Are you sort of wanting to try and get the best returns you possibly can out of your portfolio, or you sort of happy to, you know, understand looking for sort of a set average rate of return. What's your sort of thought there?","start_word":6343,"end_word":6410,"sentiment":"neutral","sentiment_score":0.02358860708773136},{"text":"I I don't understand what you mean there.","start_word":6411,"end_word":6418,"sentiment":"negative","sentiment_score":-0.4328403174877167},{"text":"I just wanna So that's cover I just wanna cover it yeah. and keep it where it is until I get back to work.","start_word":6419,"end_word":6442,"sentiment":"neutral","sentiment_score":0.0357694998383522},{"text":"Beautiful.","start_word":6443,"end_word":6443,"sentiment":"positive","sentiment_score":0.3520914316177368},{"text":"I don't Beautiful. wanna go on down, but I just wanna Yeah. hope hopefully make enough just to pay all the fees. Yeah.","start_word":6444,"end_word":6466,"sentiment":"neutral","sentiment_score":0.05036776140332222},{"text":"Absolutely. Perfect. Excellent.","start_word":6467,"end_word":6469,"sentiment":"positive","sentiment_score":0.609103262424469},{"text":"Now looking at that one that you have scored as a growth investor. So with where you are at the moment as a high growth portfolio, we generally see about 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then about 10% in lower risk defensive investments, the cash, bonds, and fixed interest. With regards to the high growth portfolio that you're kind of looking at and are in at the moment, you generally sort of expect a negative return sort of one in every five years. And you're sort of looking to try and get an average rate of return of about 8% eight to 10%. So anything under that 8% is a bit more of an underperformance or a lower rate of return for the year. Anything over that 10% is kind of, you know, over performance, and you've done exceptionally well. What we can sort of maybe look at doing if you would like to is maybe just adjust the risk level a little bit. So you're dropping it by about 10%. It's sort of starting to reduce it in increments. It Yep. drops you down to the growth portfolio, which generally sees about 80% in those growth investments. We're not having to change the whole portfolio. We can try and do it so it minimizes the changes as much as possible, minimizes the CGT consequences in your portfolio, and just reduce those growth assets down to about 10 five sorry, to 80%, so dropping it down by 10% there, and then increase those defensive investments by about 20 220%. So it's by about 10% alteration there. Yes. The expected average return you're sort of looking at with the growth portfolio is about seven to 9%. So you're not sort of having a huge change. It's kinda dropping it down just a little bit. Does that feel sort of where your comfort level might be, or did you want to sort of see a bigger change to your portfolio and the risk level? What's your thought? No. Just a little bit, I suppose. Yeah. Yeah. I think well, maybe drop it to to say 70 high, 70% to 70 to 30, if you know what I mean, 30 Yeah. percent Yep. for the low risk Yeah.","start_word":6470,"end_word":6864,"sentiment":"neutral","sentiment_score":-0.02614106751648308},{"text":"Absolutely.","start_word":6865,"end_word":6865,"sentiment":"positive","sentiment_score":0.45351481437683105},{"text":"Yep. That's just that's just to just get dropping through this it down little period. one extra. Yeah. Because I Absolutely. don't I don't think it's I don't think the market's gonna go go any good in the next couple of months. It's it's a bit up in there at the moment.","start_word":6866,"end_word":6917,"sentiment":"neutral","sentiment_score":-0.20416782796382904},{"text":"Who knows what's gonna happen?","start_word":6918,"end_word":6922,"sentiment":"negative","sentiment_score":-0.3548397421836853},{"text":"You kinda get some news coming out of The US, and everyone kinda goes, yay. It looks like it might all be over soon, and then all of a sudden, something happens tomorrow.","start_word":6923,"end_word":6955,"sentiment":"neutral","sentiment_score":-0.2324465662240982},{"text":"Trump has a bit of a spat on social media.","start_word":6956,"end_word":6965,"sentiment":"negative","sentiment_score":-0.35927850008010864},{"text":"You know, he swears at somebody, and then it all kinda drops again. So Oh, yeah. who knows who knows what's gonna happen? But that seventy thirty sort of split is dropping it down to the balanced growth environment there. We're sort of averaging to try and obtain a six to 8% return there. You've got about 70% in those growth investments. You're increasing the defensive lower risk investments to 30%. So And 60 the likelihood 8%, of that wouldn't cover the fees, really, would it? well, Six it really depends, and percent it's important wouldn't. it's important to note that without ongoing service fee, it is a percentage based fee as well. So it's 1.65% per annum, but it is in line with what's happening in your portfolio. So if your portfolio takes a bit of a dip, it means that our fee takes a dip there with it. So our Yeah. fee is relative and linked to what your portfolio is doing. When the portfolio is higher, our fee is gonna be higher. What if portfolio is taking a bit of a dip due to what's happening externally, then our fee will take a bit of a dip there with it. So it is Yep.","start_word":6966,"end_word":7172,"sentiment":"neutral","sentiment_score":-0.001033472828567028},{"text":"very Your much fees relative aren't as to much what's as happening.","start_word":7173,"end_word":7184,"sentiment":"negative","sentiment_score":-0.3939262926578522},{"text":"the your fees aren't as much as the insurance fees. No. Correct. That's Correct. what I'm trying to cover, the insurance fees more than anything. And yeah. No. Because That's okay. you With you guys the insurance you guys earn your fee. yeah. Well, thank you. The insurance the insurance don't earn their fee. Yeah. Well, with the with the insurance that you do have at the moment, obviously, it's quite high. Did you wanna look at maybe, you know, reducing or reevaluating the insurance? I know with TPD, you have that ADL definition, which is a bit harder to claim, and I wouldn't wanna sort of remove that completely. But you've got a sum insured here at the moment of $687,003.03 4. In the event that you were to pass away, your life insurance is paid up, but so is your super balance. Did you wanna look at maybe reducing the level of cover you have to see if that can gen does generally also reduce the premiums as well, or do you feel like that level of cover you have is what you need? My level of cover is probably what I'd I'd be happy because Yes. well, I hope I go before my wife. So Yeah. and then she can at least have a decent life after. Yep. That's okay. We can leave it as it is. We can I can go back and just have a look at the balanced growth portfolio, have a look at, you know, what it is doing, have a look at how we maybe adjust that? We do have a couple of different options. So we do have just maybe maneuvering and readjusting the current portfolio you're in. I could also look at other portfolios to see if maybe they've got, you know, investors that have been working a little bit harder, maybe move it up to one of the newer balance growth portfolios, I'll look at the CGT consequences for you and have a bit of a look at all the factors and see what we've got what we're doing there. The other thing we can look at is we've also recently set up our own investments and o f u investment option. It's called an estimate, so separately managed account. At the moment, when you look at your super, you can currently see all the different investment options that you have in there. So you've got you can see your physical gold. You can see the a 200, Yes. the cybersecurity, and the S and P 500. The difference to this SMA product is that if you kind of move into that, when you look at your Netwealth account, all you would see is your balance and the SMA and what it where it where it's at at the moment. You wouldn't see all the underlying investment options.","start_word":7185,"end_word":7663,"sentiment":"neutral","sentiment_score":0.027270621796078313},{"text":"The benefit of this kinda SMA product is that by by if you chose to go into it, if it works well for you, The underlying there are kinda controlled by our investment committee, and we've actually built that in line or in coordination with BlackRock.","start_word":7664,"end_word":7709,"sentiment":"positive","sentiment_score":0.3527877926826477},{"text":"So BlackRock are one of Australia's largest investment firms, and we utilize their investment committee, their research houses, their analysts to build this sort of SMA product. Within the SMA, we can have anywhere from, say, five to 20 to 50 different investment options, but it allows us to be able to make make changes to the investments without having to update the advice for you. So as a really good example, with the SMA, last week, we were able to meet with the investment committee. Sorry. That was two weeks ago. I apologize. We were able to meet with the investment committee and the BlackRock investment team. Because of what's been happening globally, they actually made some changes to their estimate products. They checked took out some investments, reduced exposure into some investments, added some in, and increased exposure to different areas. They essentially, what they did to work out that was they had a look at what was happening globally, what was happening in that portfolio, and they had a look at the risk level and where they see or where the analysts see the market's moving to in the future. They then were able to So, make like, changes an educated to that estimate. desk.","start_word":7710,"end_word":7917,"sentiment":"neutral","sentiment_score":0.1319471299648285},{"text":"Absolutely. Absolutely.","start_word":7918,"end_word":7919,"sentiment":"positive","sentiment_score":0.4049564301967621},{"text":"It's the same as what we're doing with investments. The main difference is that we can make changes there without having to update advice without having to tell you that we're making changes. So your portfolio has always been evaluated and altered and rebalanced underneath without having to update the advice.","start_word":7920,"end_word":7970,"sentiment":"neutral","sentiment_score":0.285586837460013},{"text":"Yep. It kind of means that we get a lot more control around making changes to the investments for you.","start_word":7971,"end_word":7990,"sentiment":"positive","sentiment_score":0.3999722898006439},{"text":"You lose a little bit of visibility on what you're invested in. We do get change reports and updated reports every time chain like, whenever changes are made, but it's not something everyone wants to do. I do have some clients who prefer to see those investments in this super and other clients who are happy to remove that visibility aspect, just see what their balance is, and hand over control of maneuvering investments to us without having to update advice. What's your sort of thoughts around that? Would you like me to look at that and see if it provides the benefit, or would you like to just sort of see your investments in your super? What's your sort of thought? Well, to be honest, I don't look at it anyway. So the the way I've run this is pretty pretty much trust with you guys. So Yep. Yep. Yep.","start_word":7991,"end_word":8141,"sentiment":"neutral","sentiment_score":0.16254563629627228},{"text":"Beautiful. it was is it it has been going up.","start_word":8142,"end_word":8151,"sentiment":"positive","sentiment_score":0.5714898109436035},{"text":"Hi, Ross. Can you hear me? Hello, Ross.","start_word":8152,"end_word":8159,"sentiment":"neutral","sentiment_score":0.09461486339569092}],"average":{"sentiment":"neutral","sentiment_score":0.009270645047534677}}}}