{"metadata":{"transaction_key":"deprecated","request_id":"4fd5dd35-e49d-4cbc-b8c7-f45f81b13f27","sha256":"c98d4d3fee16641146b876f19538b62d9cf582c2d08d184ed7054116488c66b9","created":"2026-03-25T03:34:27.686Z","duration":1698.6239,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5222,"output_tokens":134},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5754,"output_tokens":5766},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5754,"output_tokens":559}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Darren. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all, Darren. Thanks for asking. I've got you scheduled in for a bit of a a catch there. Is now a good time for you? Okay. I'll try and make it quick for you there. Just to get started on that one, Darren, if I could just pass you secure with that name, date of birth, and current address, we can get stuck into that one. Yep. Yeah. Address. Yep. Perfect. And just your your last name there. Thanks, Darren. Perfect. Thank you for that. I'll just let you know these calls are recorded for quality and training purposes there as well. Now I know previously there was just a bit of a sort of trouble getting you back on the phone to present your advice. We had discussed looking at just if there's any changes we could make into that with you being back at work in regards to your superannuation and the insurances there. Also in regards to the the claim you were on previously and the the funds that would be coming out and confirming those. We did have that prepared for the back end of last year to be able to present that one. In terms of the advice itself, it was basically to maintain your current position given the insurances and maintaining those, given, you know, what was going on previously with your your knees and everything, and then looking at the investment itself and if that need changing. Now given the balance and everything there as well, we didn't actually look at making a change to the investments. We were more so looking at changing the investment menu that is a bit cheaper just to save you a little bit of money moving forward. Now in regards to that one, Darren, obviously, it has expired in terms of the advice. So what I can do there today is go through, confirm some details. Obviously, there's been a change with your employment and everything there. That wouldn't have affected that advice piece in the sense of what we were recommending. Now within regards to that, though, obviously, that claim is separate through the claims department versus the advice. So if we update your details there today, we can look at getting you that advice piece still just with the disclaimers of you being not currently at work and just doing that quick update. And then from there, if you were to return to work and things like that or be on a longer term claim and sort of six to twelve months from now, then they could look at potentially making some additional changes, if that makes sense. But in saying that, I'll go through and confirm a few details there for you. So in regards to email, that's 2bluey2007@Hotmail.com? Perfect. Now as far as your occupation, you were doing the truck driving, but currently, you're not working at all? Yep. And then with that one there, are you on any sort of Centrelink at the moment? Yep. Yep. And then you're obviously going through the IP. You're trying to do the IP claim through here, so that's fine as well. Now as far as the income you did earn in the year, do you know roughly sort of how much you did earn before you stopped working again? So that was at your last pay slip before, like, your last pay that came through? Yeah. I was saying that'd be, like, sort of, like, the last sort of payroll week that they sort of finalized everything you did your your pay for. Yeah. And then how much was it at 53,800 and yep. Not a problem at all. And then as far as expenditure and savings goes at the moment, do you know roughly what your expenditures look like in terms of your outgoings? Yeah. Yeah. Do you know just sort of as a rough estimate sort of what your your outgoing looks like at the moment? Yeah. No. That's perfectly fine. Yeah. No. That's fine. So just wondering in terms of, like, weekly outgoing expenditures, what those sort of bare minimum is for the bills and sort of outgoings. As a as a household. Yep. Perfect. And then as far as assets liabilities now, I know a lot of it's in a trust structure. Do you know roughly the values of, like, the houses within the the trust at the moment or the cash? And you said you got rid of the the other property? Yep. And then as far as the loan value left on that one, do you know what the loan is for that one at the moment? Yep. And are there any other, like, cash holdings or investment accounts inside the trust at the moment? Just that one. Yep. And then as far as a consolidation loan, I know previously there was a loan for around 40,000. Is that loan, like, in the trust now, or is that still personal? Or yep. And do you know roughly how much is left on that one? Yeah. No. That's perfectly fine. And have you still got the same car worth around the $2,000 mark? And just while you're you're doing that there, now I know from you speaking to Maddie there that you're having issues again post the the surgery with your your knees at the moment. Yep. And then within regards to anything else, is there any other sort of injuries associated or otherwise that you're sort of going through or any medications that you're taking? Yep. And then are you still going to the the physio, or did you stop that when you return to work? Yep. No. That's fine. And do you take any medication currently apart from, like, the occasional, like, pain relief? Yep. Understandable. And then do you have private health insurance currently, Darren, or is it just yeah. That's fine. And I know the last time we spoke, you hadn't had a will or anything in place. Have you got around to your estate planning matters since we last spoke? Yeah. That's okay. And these are a few just other random questions that they've added to the workbook since we last spoke, but you're not politically exposed at all or have any family in politics at the moment? Yep. And you're not a tax resident for any other sort of jurisdiction outside of Australia? A tax resident anywhere else but Australia? Yep. And have you ever declared bankruptcy or is that or any sort of part nine debt agreement apart from, like, obviously, setting up the consolidation loan? Yep. No. That's fine. And now I'm assuming your goals have changed a bit since we last spoke there. I know you wanted to look at sort of getting a new card out that you're working again and then sort of paying down the debts and things like that. But is it mainly sort of focused on your health again and making sure that's up to scratch? Yep. And then as far as anything else, is there anything else that you're trying to achieve in the next sort of three to five years there apart from sort of getting back on track there? Yeah. No. Completely completely understand that. As far as, obviously, the advice piece there, it was quite limited in scope anyway to the estate planning and just the review of your superannuation. And given how you're not working there currently, I it's not probably in your best interest to look at sort of changing things currently given the investment that you're currently in and the cost you do pay for that one versus doing an update. We'll obviously still have a quick look at that, but then also have a look at the the menu switch, like I said, to save you a little bit of ongoing cost in your superannuation to sign, still get some growth out of it while you sort of, you know, still paying those insurance premiums and not working. And I will just quickly go over a risk profile just to ensure that that is in line still with what you're currently invested in. Now I know you've answered these previously there, Darren, but I'll just go through them again. So within regards to investments, have you ever invested in direct shares previously? Yep. No. That's fine. Yeah. That that managed fund through super. Yeah. No. Completely understandable. And then in regards to your superannuation, if sort of you're unable to get on on claim and things like that or do end up totally permanently disabled to where the point you can't work again, would you look at accessing your super funds, or would you mainly just look at the insurances that you would be able to claim on and utilizing those funds? You don't plan on sort of accessing the money in super just yet? Hasn't crossed your mind? So if you were to sort of, like, either end up on an IP claim or be, you know, considered totally permanently disabled by a doctor and a specialist to where you could, you know, get a payout in regards to, like, insurance with the the IP. You can, when you're TPD, also use TPD to access your super funds early as opposed to waiting to the age of 60. Now in regards to that one, obviously, that makes a difference in sort of if you were looking to take the funds out and what level of risk you do take on versus sort of leaving it there and not accessing it, if that makes sense. Yeah. No. That's fine. Yep. So the way that your insurances are structured, so you do have income protection life and total permanent disability at the moment in terms of your insurance cover that you hold. Now you can also claim on income protection, but then you can also claim on total permanent disability should you be deemed that by the doctors and meet that condition of release as well, which means that in addition to, like, your income protection, you can get the lump sum payment of the total permanent disability. Now because it's owned through superannuation, it basically gets paid to your super, and then you have to apply to trustee of the super fund to be considered totally permanently disabled again as opposed to the insurer. You've gotta do it with the trustee with the superannuation fund as well to be able to access the release of those funds. And then from there, you could sort of either, like, you know, take the whole lot. You can take it in sort of portions. You can create some sort of, like, pension drawdown that you're sort of looking to do, and there's different ways to structure that and things like that as well. But within that as well, you do have your superannuation balance. And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment. Yeah. But what's that? Yeah. You wouldn't sort of take it out unless you you had to sort of thing in terms of, like, costs. Yeah. And, obviously, at the moment, your insurance costs are quite high. But, obviously, with in regards to your current sort of health conditions with your knees and your shoulders and things like that as well, there wasn't sort of a reason to decrease those now even with the higher cost because the likelihood of a claim, which is why with that original main recommendation, we go we're gonna keep it the same. Even though it is a high cost and it does sort of eat away your super balance, it just sort of gives you that level of protection still. And then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not. But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward? Higher rewards or, like, higher risk for higher returns? Or would you consider yourself a little bit more moderate? Second. So in terms of, like, risk in your superannuation, currently, you're in a high growth, which is, like, 90% growth as it's about 10% defensive. So with that, that 90% growth has things like international shares, direct shares, those sort of things that carry a lot more risk in terms of, like, the value that that can drop and rise and that, like, volatility that it carries and how that's going to perform. Now, obviously, over a longer term, having those growth assets, they do get more capital growth as opposed to, like, having, you know, fixed interest cash in the bank as a defensive asset or bonds and things like that that do provide, obviously, like, a steady sort of growth or income in regards to your super, but you don't get the kind of capital growth you get out of those more aggressive assets. So you need to take on some more risk to get that capital growth and the dividends and income from that as opposed to just sitting in, like, cash. So when you take on that more risk, the likelihood of you getting higher returns or at least position yourself to get higher returns increases, but then also they can dip quite considerably to kind of what's happening at the moment with the war in Iran and everything. So would you think you sort of still wanna maintain a higher level of risk in your super, or you feel like it wants you wanna be a bit more defensive? Yep. And then how would you feel six months after investing if you found out your portfolio did decrease by sort of 20% if, like, the war continues and your portfolio drops, would that sort of make you a little bit concerned? Would you sort of hold and wait for it to sort of come back and improve? Or yeah. No. Under understandable. Yeah. Obviously, when super does take a bit of a drop there, if you were to sell it, you kind of crystallize those losses as opposed to if you remain investment and wait for that time for it to cut recover, then you sort of still hold that investment. You're not trying to time the market. It just means that you've only made a paper loss until a point you do sell. So if you were to sort of hold and wait and sort of hope for the recover, then you sort of put yourself in a less risky position as opposed to trying to sell and then reenter the market and sort of crystallizing losses and those sort of things. Yep. And in terms of, like, returns, because obviously if you take a little less risk, you're not sort of gonna get those higher returns. Do you think if you're getting sort of six to 8% per annum, you'd be sort of happy with that as a return if that's what you were getting being in a slightly less risky portfolio. So at the moment, it's sitting before phase around 6.14 for the last twelve months, I believe, and that's purely just because of, like, what has occurred for the back end of the year. It obviously had a good start to the sort of year minus the tariff talk from Trump. And then sort of the back end of the start of this year, it's taken a bit of a dive just with what has happened. It was sitting up around, I think, the 14% even at one point before what did occur. Sort of around since February, it's gone from, like, 14% down to the 6.4% just for what did occur. Yeah. But that's not to say that it won't sort of rebound once sort of things settle down. It just means that the time being, it has taken a bit of a a dip from what the markets are experiencing, which isn't just that, like, specific to you. It's in regards to, like, the industry as a whole and the market as a whole are taking a bit of a dive. Do you have any questions regarding that, Daryl? Oh, Dan. Sorry. Yeah. No. That's okay. Obviously, within regards to that, so it does bring you out as a growth investor, which is about an eighty twenty split as opposed to the ninety ten split that you're currently in. Now given that you're currently not working, and I'm not too sure if you did get an the income protection claim, if it does pay from memory. I can't remember if it pays into super as well. I'll just see if it yeah. Okay. So it does have the retirement protection as well. But in saying that, it would be slightly less than probably what you'd be getting if you were working full time. But in saying that so if you were to lower it from, like, a high growth down to a growth, you'd be sort of sitting from, like, around that ninety ten potential split to around a sort of eighty twenty, which would mean that your likelihood to get those high returns would potentially decrease a little bit because you have more defensive assets than the your previous portfolio, but it also means you're slightly more defensive, which should protect you a little bit more when it does have those market downturns. Or given that, do you think that you'd sort of still wanna stay in the high growth, or do you feel like growth more aligns with where you're at at the moment? Yep. And then with that, if you sort of were to stay on claim for a considerable amount of time, you are getting some contributions, but at least then it's not in the because generally, a high growth portfolio is going to cost a little bit more as well as opposed to maybe a growth. But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one. Because when selling the investments and training to another one, given that you're all currently in just like the one Mercer core series passive high growth fund, selling that might look to realize, a certain amount of capital gains, so we'll take that into account. And then I'll also go and have a check with the Mercer core series passive high growth, how much is actually defensive versus the high growth there, and have a look at all that for you. Because if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment. Does that make sense? And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching? Yeah. Because obviously with that giving you you've got that around the 80,000, if you do pay a few thousand of that to just switch investments, it can sort of be a bit of a hit as opposed to remaining invested. And then depending where the the other funds are at as well. But I'll make a note of it. We'll have a look and see what's sort of in your best interest there. But do you have any questions for me, Darren, in regards to that at all? Or yeah. No. It's not a problem at all. We'll look to try and get that reupdated there for you and get that advice piece sorted. And then from there, obviously, you'll be dealing with the the case management department in regards to the IP claim and trying to to get back on that. Not a problem at all. If you do have any questions, feel free to just reach out and ask them and or get booked back in to have a discussion as well there for you, Darren. No problem. Well, sorry to take up so much of your time there, but enjoy the rest of your day. And good luck at your doctor's appointment. Thanks. Alright. You enjoy the rest of your day. 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afternoon, Darren. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all, Darren.\n\nThanks for asking. I've got you scheduled in for a bit of a a catch there. Is now a good time for you? Okay. I'll try and make it quick for you there.\n\nJust to get started on that one, Darren, if I could just pass you secure with that name, date of birth, and current address, we can get stuck into that one. Yep. Yeah. Address. Yep.\n\nPerfect. And just your your last name there. Thanks, Darren. Perfect. Thank you for that.\n\nI'll just let you know these calls are recorded for quality and training purposes there as well. Now I know previously there was just a bit of a sort of trouble getting you back on the phone to present your advice. We had discussed looking at just if there's any changes we could make into that with you being back at work in regards to your superannuation and the insurances there. Also in regards to the the claim you were on previously and the the funds that would be coming out and confirming those. We did have that prepared for the back end of last year to be able to present that one.\n\nIn terms of the advice itself, it was basically to maintain your current position given the insurances and maintaining those, given, you know, what was going on previously with your your knees and everything, and then looking at the investment itself and if that need changing. Now given the balance and everything there as well, we didn't actually look at making a change to the investments. We were more so looking at changing the investment menu that is a bit cheaper just to save you a little bit of money moving forward. Now in regards to that one, Darren, obviously, it has expired in terms of the advice. So what I can do there today is go through, confirm some details.\n\nObviously, there's been a change with your employment and everything there. That wouldn't have affected that advice piece in the sense of what we were recommending. Now within regards to that, though, obviously, that claim is separate through the claims department versus the advice. So if we update your details there today, we can look at getting you that advice piece still just with the disclaimers of you being not currently at work and just doing that quick update. And then from there, if you were to return to work and things like that or be on a longer term claim and sort of six to twelve months from now, then they could look at potentially making some additional changes, if that makes sense.\n\nBut in saying that, I'll go through and confirm a few details there for you. So in regards to email, that's 2bluey2007@Hotmail.com? Perfect. Now as far as your occupation, you were doing the truck driving, but currently, you're not working at all? Yep.\n\nAnd then with that one there, are you on any sort of Centrelink at the moment? Yep. Yep. And then you're obviously going through the IP. You're trying to do the IP claim through here, so that's fine as well.\n\nNow as far as the income you did earn in the year, do you know roughly sort of how much you did earn before you stopped working again? So that was at your last pay slip before, like, your last pay that came through? Yeah. I was saying that'd be, like, sort of, like, the last sort of payroll week that they sort of finalized everything you did your your pay for. Yeah.\n\nAnd then how much was it at 53,800 and yep. Not a problem at all. And then as far as expenditure and savings goes at the moment, do you know roughly what your expenditures look like in terms of your outgoings? Yeah. Yeah.\n\nDo you know just sort of as a rough estimate sort of what your your outgoing looks like at the moment? Yeah. No. That's perfectly fine. Yeah.\n\nNo. That's fine. So just wondering in terms of, like, weekly outgoing expenditures, what those sort of bare minimum is for the bills and sort of outgoings. As a as a household. Yep.\n\nPerfect. And then as far as assets liabilities now, I know a lot of it's in a trust structure. Do you know roughly the values of, like, the houses within the the trust at the moment or the cash? And you said you got rid of the the other property? Yep.\n\nAnd then as far as the loan value left on that one, do you know what the loan is for that one at the moment? Yep. And are there any other, like, cash holdings or investment accounts inside the trust at the moment? Just that one. Yep.\n\nAnd then as far as a consolidation loan, I know previously there was a loan for around 40,000. Is that loan, like, in the trust now, or is that still personal? Or yep. And do you know roughly how much is left on that one? Yeah.\n\nNo. That's perfectly fine. And have you still got the same car worth around the $2,000 mark? And just while you're you're doing that there, now I know from you speaking to Maddie there that you're having issues again post the the surgery with your your knees at the moment. Yep.\n\nAnd then within regards to anything else, is there any other sort of injuries associated or otherwise that you're sort of going through or any medications that you're taking? Yep. And then are you still going to the the physio, or did you stop that when you return to work? Yep. No.\n\nThat's fine. And do you take any medication currently apart from, like, the occasional, like, pain relief? Yep. Understandable. And then do you have private health insurance currently, Darren, or is it just yeah.\n\nThat's fine. And I know the last time we spoke, you hadn't had a will or anything in place. Have you got around to your estate planning matters since we last spoke? Yeah. That's okay.\n\nAnd these are a few just other random questions that they've added to the workbook since we last spoke, but you're not politically exposed at all or have any family in politics at the moment? Yep. And you're not a tax resident for any other sort of jurisdiction outside of Australia? A tax resident anywhere else but Australia? Yep.\n\nAnd have you ever declared bankruptcy or is that or any sort of part nine debt agreement apart from, like, obviously, setting up the consolidation loan? Yep. No. That's fine. And now I'm assuming your goals have changed a bit since we last spoke there.\n\nI know you wanted to look at sort of getting a new card out that you're working again and then sort of paying down the debts and things like that. But is it mainly sort of focused on your health again and making sure that's up to scratch? Yep. And then as far as anything else, is there anything else that you're trying to achieve in the next sort of three to five years there apart from sort of getting back on track there? Yeah.\n\nNo. Completely completely understand that. As far as, obviously, the advice piece there, it was quite limited in scope anyway to the estate planning and just the review of your superannuation. And given how you're not working there currently, I it's not probably in your best interest to look at sort of changing things currently given the investment that you're currently in and the cost you do pay for that one versus doing an update. We'll obviously still have a quick look at that, but then also have a look at the the menu switch, like I said, to save you a little bit of ongoing cost in your superannuation to sign, still get some growth out of it while you sort of, you know, still paying those insurance premiums and not working.\n\nAnd I will just quickly go over a risk profile just to ensure that that is in line still with what you're currently invested in. Now I know you've answered these previously there, Darren, but I'll just go through them again. So within regards to investments, have you ever invested in direct shares previously? Yep. No.\n\nThat's fine. Yeah. That that managed fund through super. Yeah. No.\n\nCompletely understandable. And then in regards to your superannuation, if sort of you're unable to get on on claim and things like that or do end up totally permanently disabled to where the point you can't work again, would you look at accessing your super funds, or would you mainly just look at the insurances that you would be able to claim on and utilizing those funds? You don't plan on sort of accessing the money in super just yet? Hasn't crossed your mind? So if you were to sort of, like, either end up on an IP claim or be, you know, considered totally permanently disabled by a doctor and a specialist to where you could, you know, get a payout in regards to, like, insurance with the the IP.\n\nYou can, when you're TPD, also use TPD to access your super funds early as opposed to waiting to the age of 60. Now in regards to that one, obviously, that makes a difference in sort of if you were looking to take the funds out and what level of risk you do take on versus sort of leaving it there and not accessing it, if that makes sense. Yeah. No. That's fine.\n\nYep. So the way that your insurances are structured, so you do have income protection life and total permanent disability at the moment in terms of your insurance cover that you hold. Now you can also claim on income protection, but then you can also claim on total permanent disability should you be deemed that by the doctors and meet that condition of release as well, which means that in addition to, like, your income protection, you can get the lump sum payment of the total permanent disability. Now because it's owned through superannuation, it basically gets paid to your super, and then you have to apply to trustee of the super fund to be considered totally permanently disabled again as opposed to the insurer. You've gotta do it with the trustee with the superannuation fund as well to be able to access the release of those funds.\n\nAnd then from there, you could sort of either, like, you know, take the whole lot. You can take it in sort of portions. You can create some sort of, like, pension drawdown that you're sort of looking to do, and there's different ways to structure that and things like that as well. But within that as well, you do have your superannuation balance. And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment.\n\nYeah. But what's that? Yeah. You wouldn't sort of take it out unless you you had to sort of thing in terms of, like, costs. Yeah.\n\nAnd, obviously, at the moment, your insurance costs are quite high. But, obviously, with in regards to your current sort of health conditions with your knees and your shoulders and things like that as well, there wasn't sort of a reason to decrease those now even with the higher cost because the likelihood of a claim, which is why with that original main recommendation, we go we're gonna keep it the same. Even though it is a high cost and it does sort of eat away your super balance, it just sort of gives you that level of protection still. And then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not. But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward?\n\nHigher rewards or, like, higher risk for higher returns? Or would you consider yourself a little bit more moderate? Second. So in terms of, like, risk in your superannuation, currently, you're in a high growth, which is, like, 90% growth as it's about 10% defensive. So with that, that 90% growth has things like international shares, direct shares, those sort of things that carry a lot more risk in terms of, like, the value that that can drop and rise and that, like, volatility that it carries and how that's going to perform.\n\nNow, obviously, over a longer term, having those growth assets, they do get more capital growth as opposed to, like, having, you know, fixed interest cash in the bank as a defensive asset or bonds and things like that that do provide, obviously, like, a steady sort of growth or income in regards to your super, but you don't get the kind of capital growth you get out of those more aggressive assets. So you need to take on some more risk to get that capital growth and the dividends and income from that as opposed to just sitting in, like, cash. So when you take on that more risk, the likelihood of you getting higher returns or at least position yourself to get higher returns increases, but then also they can dip quite considerably to kind of what's happening at the moment with the war in Iran and everything. So would you think you sort of still wanna maintain a higher level of risk in your super, or you feel like it wants you wanna be a bit more defensive? Yep.\n\nAnd then how would you feel six months after investing if you found out your portfolio did decrease by sort of 20% if, like, the war continues and your portfolio drops, would that sort of make you a little bit concerned? Would you sort of hold and wait for it to sort of come back and improve? Or yeah. No. Under understandable.\n\nYeah. Obviously, when super does take a bit of a drop there, if you were to sell it, you kind of crystallize those losses as opposed to if you remain investment and wait for that time for it to cut recover, then you sort of still hold that investment. You're not trying to time the market. It just means that you've only made a paper loss until a point you do sell. So if you were to sort of hold and wait and sort of hope for the recover, then you sort of put yourself in a less risky position as opposed to trying to sell and then reenter the market and sort of crystallizing losses and those sort of things.\n\nYep. And in terms of, like, returns, because obviously if you take a little less risk, you're not sort of gonna get those higher returns. Do you think if you're getting sort of six to 8% per annum, you'd be sort of happy with that as a return if that's what you were getting being in a slightly less risky portfolio. So at the moment, it's sitting before phase around 6.14 for the last twelve months, I believe, and that's purely just because of, like, what has occurred for the back end of the year. It obviously had a good start to the sort of year minus the tariff talk from Trump.\n\nAnd then sort of the back end of the start of this year, it's taken a bit of a dive just with what has happened. It was sitting up around, I think, the 14% even at one point before what did occur. Sort of around since February, it's gone from, like, 14% down to the 6.4% just for what did occur. Yeah. But that's not to say that it won't sort of rebound once sort of things settle down.\n\nIt just means that the time being, it has taken a bit of a a dip from what the markets are experiencing, which isn't just that, like, specific to you. It's in regards to, like, the industry as a whole and the market as a whole are taking a bit of a dive. Do you have any questions regarding that, Daryl? Oh, Dan. Sorry.\n\nYeah. No. That's okay. Obviously, within regards to that, so it does bring you out as a growth investor, which is about an eighty twenty split as opposed to the ninety ten split that you're currently in. Now given that you're currently not working, and I'm not too sure if you did get an the income protection claim, if it does pay from memory.\n\nI can't remember if it pays into super as well. I'll just see if it yeah. Okay. So it does have the retirement protection as well. But in saying that, it would be slightly less than probably what you'd be getting if you were working full time.\n\nBut in saying that so if you were to lower it from, like, a high growth down to a growth, you'd be sort of sitting from, like, around that ninety ten potential split to around a sort of eighty twenty, which would mean that your likelihood to get those high returns would potentially decrease a little bit because you have more defensive assets than the your previous portfolio, but it also means you're slightly more defensive, which should protect you a little bit more when it does have those market downturns. Or given that, do you think that you'd sort of still wanna stay in the high growth, or do you feel like growth more aligns with where you're at at the moment? Yep. And then with that, if you sort of were to stay on claim for a considerable amount of time, you are getting some contributions, but at least then it's not in the because generally, a high growth portfolio is going to cost a little bit more as well as opposed to maybe a growth. But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one.\n\nBecause when selling the investments and training to another one, given that you're all currently in just like the one Mercer core series passive high growth fund, selling that might look to realize, a certain amount of capital gains, so we'll take that into account. And then I'll also go and have a check with the Mercer core series passive high growth, how much is actually defensive versus the high growth there, and have a look at all that for you. Because if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment. Does that make sense? And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching?\n\nYeah. Because obviously with that giving you you've got that around the 80,000, if you do pay a few thousand of that to just switch investments, it can sort of be a bit of a hit as opposed to remaining invested. And then depending where the the other funds are at as well. But I'll make a note of it. We'll have a look and see what's sort of in your best interest there.\n\nBut do you have any questions for me, Darren, in regards to that at all? Or yeah. No. It's not a problem at all. We'll look to try and get that reupdated there for you and get that advice piece sorted.\n\nAnd then from there, obviously, you'll be dealing with the the case management department in regards to the IP claim and trying to to get back on that. Not a problem at all. If you do have any questions, feel free to just reach out and ask them and or get booked back in to have a discussion as well there for you, Darren. No problem. Well, sorry to take up so much of your time there, but enjoy the rest of your day.\n\nAnd good luck at your doctor's appointment. Thanks. Alright. You enjoy the rest of your day. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Darren.","start":3.52,"end":4.3199997,"sentiment":"positive","sentiment_score":0.4515899419784546},{"text":"It's Carl calling from Financial.","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.2685050815343857},{"text":"How are you today?","start":5.7599998,"end":6.66,"sentiment":"neutral","sentiment_score":0.2914794906973839},{"text":"Yeah.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.2623295783996582},{"text":"Not too bad at all, Darren.","start":8.32,"end":9.36,"sentiment":"neutral","sentiment_score":0.30489454915126163}],"sentiment":"neutral","sentiment_score":0.3134163194581082,"num_words":19,"start":3.52,"end":9.36},{"sentences":[{"text":"Thanks for asking.","start":9.36,"end":10.34,"sentiment":"positive","sentiment_score":0.6498296856880188},{"text":"I've got you scheduled in for a bit of a a catch there.","start":10.48,"end":13.065001,"sentiment":"positive","sentiment_score":0.3662977975148421},{"text":"Is now a good time for you?","start":13.065001,"end":14.365,"sentiment":"positive","sentiment_score":0.34161052107810974},{"text":"Okay.","start":21.785,"end":22.185001,"sentiment":"neutral","sentiment_score":0.15298578143119812},{"text":"I'll try and make it quick for you there.","start":22.185001,"end":24.36,"sentiment":"neutral","sentiment_score":0.24381625155607858}],"sentiment":"positive","sentiment_score":0.3469686702345357,"num_words":33,"start":9.36,"end":24.36},{"sentences":[{"text":"Just to get started on that one, Darren, if I could just pass you secure with that name, date of birth, and current address, we can get stuck into that one.","start":25.400002,"end":30.94,"sentiment":"neutral","sentiment_score":0.12445589467402428},{"text":"Yep.","start":35.56,"end":36.06,"sentiment":"neutral","sentiment_score":0.03690142557024956},{"text":"Yeah.","start":38.055,"end":38.375,"sentiment":"neutral","sentiment_score":0.022210290655493736},{"text":"Address.","start":38.375,"end":38.875,"sentiment":"neutral","sentiment_score":0.01833775639533997},{"text":"Yep.","start":39.015,"end":39.515,"sentiment":"neutral","sentiment_score":0.017068520188331604}],"sentiment":"neutral","sentiment_score":0.11293287793440478,"num_words":35,"start":25.400002,"end":39.515},{"sentences":[{"text":"Perfect.","start":45.495,"end":45.995,"sentiment":"neutral","sentiment_score":0.27159538865089417},{"text":"And just your your last name there.","start":46.695,"end":48.215,"sentiment":"neutral","sentiment_score":0.16679285040923528},{"text":"Thanks, Darren.","start":48.215,"end":48.9,"sentiment":"neutral","sentiment_score":0.3067439943552017},{"text":"Perfect.","start":51.460003,"end":51.780003,"sentiment":"positive","sentiment_score":0.393395870923996},{"text":"Thank you for that.","start":51.780003,"end":52.420002,"sentiment":"positive","sentiment_score":0.5112922042608261}],"sentiment":"neutral","sentiment_score":0.299413201212883,"num_words":15,"start":45.495,"end":52.420002},{"sentences":[{"text":"I'll just let you know these calls are recorded for quality and training purposes there as well.","start":52.420002,"end":56.120003,"sentiment":"neutral","sentiment_score":0.20402309912092545},{"text":"Now I know previously there was just a bit of a sort of trouble getting you back on the phone to present your advice.","start":58.260002,"end":65.615,"sentiment":"neutral","sentiment_score":-0.14878888428211212},{"text":"We had discussed looking at just if there's any changes we could make into that with you being back at work in regards to your superannuation and the insurances there.","start":65.615,"end":75.795,"sentiment":"neutral","sentiment_score":-0.08600235208868981},{"text":"Also in regards to the the claim you were on previously and the the funds that would be coming out and confirming those.","start":76.85,"end":82.47,"sentiment":"neutral","sentiment_score":-0.06428390514591466},{"text":"We did have that prepared for the back end of last year to be able to present that one.","start":83.17,"end":87.57,"sentiment":"neutral","sentiment_score":0.008990548943218431}],"sentiment":"neutral","sentiment_score":-0.0353125706974384,"num_words":113,"start":52.420002,"end":87.57},{"sentences":[{"text":"In terms of the advice itself, it was basically to maintain your current position given the insurances and maintaining those, given, you know, what was going on previously with your your knees and everything, and then looking at the investment itself and if that need changing.","start":87.57,"end":103.835,"sentiment":"neutral","sentiment_score":-0.03877122457260671},{"text":"Now given the balance and everything there as well, we didn't actually look at making a change to the investments.","start":103.895,"end":110.06,"sentiment":"neutral","sentiment_score":-0.09757176134735346},{"text":"We were more so looking at changing the investment menu that is a bit cheaper just to save you a little bit of money moving forward.","start":110.06,"end":116.72,"sentiment":"neutral","sentiment_score":0.014469677582383156},{"text":"Now in regards to that one, Darren, obviously, it has expired in terms of the advice.","start":118.575,"end":122.735,"sentiment":"neutral","sentiment_score":-0.05732683127280325},{"text":"So what I can do there today is go through, confirm some details.","start":122.735,"end":126.915,"sentiment":"neutral","sentiment_score":0.009401098180275697}],"sentiment":"neutral","sentiment_score":-0.03432822284434945,"num_words":121,"start":87.57,"end":126.915},{"sentences":[{"text":"Obviously, there's been a change with your employment and everything there.","start":126.975,"end":130.19499,"sentiment":"neutral","sentiment_score":-0.08815214410424232},{"text":"That wouldn't have affected that advice piece in the sense of what we were recommending.","start":130.76999,"end":134.54999,"sentiment":"neutral","sentiment_score":-0.06583308974901834},{"text":"Now within regards to that, though, obviously, that claim is separate through the claims department versus the advice.","start":135.32999,"end":141.81,"sentiment":"neutral","sentiment_score":-0.08196065326531728},{"text":"So if we update your details there today, we can look at getting you that advice piece still just with the disclaimers of you being not currently at work and just doing that quick update.","start":141.81,"end":151.58499,"sentiment":"neutral","sentiment_score":-0.04054100843412536},{"text":"And then from there, if you were to return to work and things like that or be on a longer term claim and sort of six to twelve months from now, then they could look at potentially making some additional changes, if that makes sense.","start":152.765,"end":163.76,"sentiment":"neutral","sentiment_score":-0.021996298225389586}],"sentiment":"neutral","sentiment_score":-0.0471066968185046,"num_words":124,"start":126.975,"end":163.76},{"sentences":[{"text":"But in saying that, I'll go through and confirm a few details there for you.","start":167.42,"end":170.7,"sentiment":"neutral","sentiment_score":0.11577519302566847},{"text":"So in regards to email, that's 2bluey2007@Hotmail.com?","start":170.7,"end":175.555,"sentiment":"neutral","sentiment_score":0.052942191915852685},{"text":"Perfect.","start":176.89499,"end":177.39499,"sentiment":"positive","sentiment_score":0.33971917629241943},{"text":"Now as far as your occupation, you were doing the truck driving, but currently, you're not working at all?","start":177.775,"end":182.995,"sentiment":"neutral","sentiment_score":-0.039705323839658184},{"text":"Yep.","start":184.90999,"end":185.31,"sentiment":"neutral","sentiment_score":0.03411727398633957}],"sentiment":"neutral","sentiment_score":0.040154849677238355,"num_words":43,"start":167.42,"end":185.31},{"sentences":[{"text":"And then with that one there, are you on any sort of Centrelink at the moment?","start":185.31,"end":189.56999,"sentiment":"neutral","sentiment_score":-0.008061051659751683},{"text":"Yep.","start":203.56499,"end":204.06499,"sentiment":"neutral","sentiment_score":0.01498539187014103},{"text":"Yep.","start":208.86,"end":209.18,"sentiment":"neutral","sentiment_score":0.04157488793134689},{"text":"And then you're obviously going through the IP.","start":209.18,"end":211.18,"sentiment":"neutral","sentiment_score":0.009189446456730366},{"text":"You're trying to do the IP claim through here, so that's fine as well.","start":211.18,"end":215.04,"sentiment":"neutral","sentiment_score":0.03726303683859961}],"sentiment":"neutral","sentiment_score":0.013069538515992463,"num_words":40,"start":185.31,"end":215.04},{"sentences":[{"text":"Now as far as the income you did earn in the year, do you know roughly sort of how much you did earn before you stopped working again?","start":216.54,"end":222.87999,"sentiment":"neutral","sentiment_score":-0.01451543319438185},{"text":"So that was at your last pay slip before, like, your last pay that came through?","start":293.28,"end":297.78,"sentiment":"neutral","sentiment_score":-0.028480946784839034},{"text":"Yeah.","start":325.77502,"end":326.095,"sentiment":"neutral","sentiment_score":0.0004727691411972046},{"text":"I was saying that'd be, like, sort of, like, the last sort of payroll week that they sort of finalized everything you did your your pay for.","start":326.095,"end":332.595,"sentiment":"neutral","sentiment_score":0.009589214119370337},{"text":"Yeah.","start":333.535,"end":333.935,"sentiment":"neutral","sentiment_score":0.03561025112867355}],"sentiment":"neutral","sentiment_score":-0.007768979130236254,"num_words":73,"start":216.54,"end":333.935},{"sentences":[{"text":"And then how much was it at 53,800 and yep.","start":333.935,"end":349.30002,"sentiment":"neutral","sentiment_score":0.03365613408386707},{"text":"Not a problem at all.","start":349.30002,"end":350.535,"sentiment":"neutral","sentiment_score":0.2902103364467621},{"text":"And then as far as expenditure and savings goes at the moment, do you know roughly what your expenditures look like in terms of your outgoings?","start":351.415,"end":359.995,"sentiment":"neutral","sentiment_score":0.03848919444359266},{"text":"Yeah.","start":365.50998,"end":366.00998,"sentiment":"neutral","sentiment_score":0.0427352711558342},{"text":"Yeah.","start":384.005,"end":384.245,"sentiment":"neutral","sentiment_score":0.001052042469382286}],"sentiment":"neutral","sentiment_score":0.06586324167979318,"num_words":43,"start":333.935,"end":384.245},{"sentences":[{"text":"Do you know just sort of as a rough estimate sort of what your your outgoing looks like at the moment?","start":384.245,"end":388.505,"sentiment":"neutral","sentiment_score":-0.008966481845293726},{"text":"Yeah.","start":416.16998,"end":416.25,"sentiment":"neutral","sentiment_score":0.02033420465886593},{"text":"No.","start":416.25,"end":416.41,"sentiment":"neutral","sentiment_score":0.008394315838813782},{"text":"That's perfectly fine.","start":416.41,"end":417.71,"sentiment":"neutral","sentiment_score":0.13431991388400397},{"text":"Yeah.","start":425.545,"end":425.86502,"sentiment":"neutral","sentiment_score":0.030404621735215187}],"sentiment":"neutral","sentiment_score":0.010140620930879205,"num_words":27,"start":384.245,"end":425.86502},{"sentences":[{"text":"No.","start":425.86502,"end":426.105,"sentiment":"neutral","sentiment_score":0.017660684883594513},{"text":"That's fine.","start":426.105,"end":426.665,"sentiment":"neutral","sentiment_score":0.0899655856192112},{"text":"So just wondering in terms of, like, weekly outgoing expenditures, what those sort of bare minimum is for the bills and sort of outgoings.","start":426.665,"end":434.36502,"sentiment":"neutral","sentiment_score":0.03142541561586162},{"text":"As a as a household.","start":443.56,"end":444.69998,"sentiment":"neutral","sentiment_score":0.0017186366021633148},{"text":"Yep.","start":457.73502,"end":458.23502,"sentiment":"neutral","sentiment_score":0.2603675425052643}],"sentiment":"neutral","sentiment_score":0.03699280473996292,"num_words":33,"start":425.86502,"end":458.23502},{"sentences":[{"text":"Perfect.","start":460.61502,"end":461.11502,"sentiment":"positive","sentiment_score":0.4273359179496765},{"text":"And then as far as assets liabilities now, I know a lot of it's in a trust structure.","start":461.81998,"end":467.36,"sentiment":"neutral","sentiment_score":0.0860544474174579},{"text":"Do you know roughly the values of, like, the houses within the the trust at the moment or the cash?","start":467.81998,"end":474.4,"sentiment":"neutral","sentiment_score":0.01867691185325384},{"text":"And you said you got rid of the the other property?","start":495.86002,"end":498.36002,"sentiment":"neutral","sentiment_score":-0.04336458681659265},{"text":"Yep.","start":504.595,"end":504.915,"sentiment":"neutral","sentiment_score":0.07037787139415741}],"sentiment":"neutral","sentiment_score":0.03810238480275752,"num_words":51,"start":460.61502,"end":504.915},{"sentences":[{"text":"And then as far as the loan value left on that one, do you know what the loan is for that one at the moment?","start":504.915,"end":509.175,"sentiment":"neutral","sentiment_score":0.0023901494964957237},{"text":"Yep.","start":515.65,"end":516.15,"sentiment":"neutral","sentiment_score":0.02124216966331005},{"text":"And are there any other, like, cash holdings or investment accounts inside the trust at the moment?","start":516.29004,"end":521.27,"sentiment":"neutral","sentiment_score":-0.0043613660861464105},{"text":"Just that one.","start":524.065,"end":524.705,"sentiment":"neutral","sentiment_score":-0.10112720852096875},{"text":"Yep.","start":524.705,"end":525.205,"sentiment":"neutral","sentiment_score":0.04667332023382187}],"sentiment":"neutral","sentiment_score":-0.005316077057827026,"num_words":47,"start":504.915,"end":525.205},{"sentences":[{"text":"And then as far as a consolidation loan, I know previously there was a loan for around 40,000.","start":525.66504,"end":532.80505,"sentiment":"neutral","sentiment_score":0.005486385534620947},{"text":"Is that loan, like, in the trust now, or is that still personal?","start":532.945,"end":536.30505,"sentiment":"neutral","sentiment_score":-0.00954911528298488},{"text":"Or yep.","start":536.30505,"end":539.19,"sentiment":"neutral","sentiment_score":0.06761196441948414},{"text":"And do you know roughly how much is left on that one?","start":539.19,"end":541.61,"sentiment":"neutral","sentiment_score":0.012541523513694605},{"text":"Yeah.","start":598.625,"end":598.865,"sentiment":"neutral","sentiment_score":0.0745057687163353}],"sentiment":"neutral","sentiment_score":0.007279226536174183,"num_words":46,"start":525.66504,"end":598.865},{"sentences":[{"text":"No.","start":598.865,"end":599.02496,"sentiment":"neutral","sentiment_score":0.05153532698750496},{"text":"That's perfectly fine.","start":599.02496,"end":600.245,"sentiment":"neutral","sentiment_score":0.2444371978441874},{"text":"And have you still got the same car worth around the $2,000 mark?","start":600.385,"end":603.925,"sentiment":"neutral","sentiment_score":0.0521735273874723},{"text":"And just while you're you're doing that there, now I know from you speaking to Maddie there that you're having issues again post the the surgery with your your knees at the moment.","start":618.48,"end":630.445,"sentiment":"neutral","sentiment_score":-0.16875697457880684},{"text":"Yep.","start":633.22504,"end":633.72,"sentiment":"neutral","sentiment_score":0.018804147839546204}],"sentiment":"neutral","sentiment_score":-0.08013869091576221,"num_words":51,"start":598.865,"end":633.72},{"sentences":[{"text":"And then within regards to anything else, is there any other sort of injuries associated or otherwise that you're sort of going through or any medications that you're taking?","start":634.19995,"end":644.06,"sentiment":"neutral","sentiment_score":-0.06910322555180254},{"text":"Yep.","start":679.125,"end":679.525,"sentiment":"neutral","sentiment_score":-0.04166817665100098},{"text":"And then are you still going to the the physio, or did you stop that when you return to work?","start":679.525,"end":684.985,"sentiment":"neutral","sentiment_score":-0.07087578512728214},{"text":"Yep.","start":691.10004,"end":691.60004,"sentiment":"neutral","sentiment_score":0.02053382620215416},{"text":"No.","start":692.78,"end":692.94,"sentiment":"neutral","sentiment_score":-0.07756481319665909}],"sentiment":"neutral","sentiment_score":-0.06769631552295043,"num_words":52,"start":634.19995,"end":692.94},{"sentences":[{"text":"That's fine.","start":692.94,"end":693.42004,"sentiment":"neutral","sentiment_score":0.00656464695930481},{"text":"And do you take any medication currently apart from, like, the occasional, like, pain relief?","start":693.42004,"end":697.76,"sentiment":"neutral","sentiment_score":-0.04447310616572698},{"text":"Yep.","start":716.93,"end":717.33,"sentiment":"neutral","sentiment_score":0.2271336317062378},{"text":"Understandable.","start":717.33,"end":717.83,"sentiment":"neutral","sentiment_score":0.22546815872192383},{"text":"And then do you have private health insurance currently, Darren, or is it just yeah.","start":718.77,"end":724.23004,"sentiment":"neutral","sentiment_score":-0.02842158917337656}],"sentiment":"neutral","sentiment_score":-0.0184614513452877,"num_words":34,"start":692.94,"end":724.23004},{"sentences":[{"text":"That's fine.","start":724.90497,"end":725.64496,"sentiment":"neutral","sentiment_score":0.17527654021978378},{"text":"And I know the last time we spoke, you hadn't had a will or anything in place.","start":726.345,"end":730.425,"sentiment":"neutral","sentiment_score":-0.06247110248488538},{"text":"Have you got around to your estate planning matters since we last spoke?","start":730.425,"end":733.565,"sentiment":"neutral","sentiment_score":-0.0276024963420171},{"text":"Yeah.","start":737.72003,"end":738.04,"sentiment":"neutral","sentiment_score":-0.0034768693149089813},{"text":"That's okay.","start":738.04,"end":738.76,"sentiment":"neutral","sentiment_score":0.1082376018166542}],"sentiment":"neutral","sentiment_score":-0.024493993712323053,"num_words":35,"start":724.90497,"end":738.76},{"sentences":[{"text":"And these are a few just other random questions that they've added to the workbook since we last spoke, but you're not politically exposed at all or have any family in politics at the moment?","start":738.76,"end":747.34,"sentiment":"neutral","sentiment_score":-0.07463850280536073},{"text":"Yep.","start":748.775,"end":748.935,"sentiment":"neutral","sentiment_score":-0.036752667278051376},{"text":"And you're not a tax resident for any other sort of jurisdiction outside of Australia?","start":748.935,"end":752.955,"sentiment":"neutral","sentiment_score":-0.10337976068258285},{"text":"A tax resident anywhere else but Australia?","start":755.575,"end":757.755,"sentiment":"neutral","sentiment_score":-0.05097939446568489},{"text":"Yep.","start":759.255,"end":759.755,"sentiment":"neutral","sentiment_score":-0.009338168427348135}],"sentiment":"neutral","sentiment_score":-0.07738967127782309,"num_words":59,"start":738.76,"end":759.755},{"sentences":[{"text":"And have you ever declared bankruptcy or is that or any sort of part nine debt agreement apart from, like, obviously, setting up the consolidation loan?","start":760.87,"end":768.41,"sentiment":"neutral","sentiment_score":-0.07475701554750021},{"text":"Yep.","start":771.18994,"end":771.50995,"sentiment":"neutral","sentiment_score":-0.04056248813867569},{"text":"No.","start":771.50995,"end":771.67,"sentiment":"neutral","sentiment_score":-0.1461331844329834},{"text":"That's fine.","start":771.67,"end":772.41,"sentiment":"neutral","sentiment_score":-0.01414519501850009},{"text":"And now I'm assuming your goals have changed a bit since we last spoke there.","start":773.02997,"end":778.125,"sentiment":"neutral","sentiment_score":0.02570004165172577}],"sentiment":"neutral","sentiment_score":-0.0394037298237284,"num_words":45,"start":760.87,"end":778.125},{"sentences":[{"text":"I know you wanted to look at sort of getting a new card out that you're working again and then sort of paying down the debts and things like that.","start":778.185,"end":785.22504,"sentiment":"neutral","sentiment_score":0.015448582296570142},{"text":"But is it mainly sort of focused on your health again and making sure that's up to scratch?","start":785.22504,"end":790.60504,"sentiment":"neutral","sentiment_score":0.14065426836411157},{"text":"Yep.","start":795.13,"end":795.63,"sentiment":"neutral","sentiment_score":0.1862456053495407},{"text":"And then as far as anything else, is there anything else that you're trying to achieve in the next sort of three to five years there apart from sort of getting back on track there?","start":795.77,"end":804.585,"sentiment":"neutral","sentiment_score":0.10737162487847464},{"text":"Yeah.","start":825.72,"end":826.04,"sentiment":"neutral","sentiment_score":0.0059555768966674805}],"sentiment":"neutral","sentiment_score":0.08171108649934039,"num_words":85,"start":778.185,"end":826.04},{"sentences":[{"text":"No.","start":826.04,"end":826.27997,"sentiment":"neutral","sentiment_score":-0.13282476365566254},{"text":"Completely completely understand that.","start":826.27997,"end":829.18,"sentiment":"neutral","sentiment_score":0.04403107799589634},{"text":"As far as, obviously, the advice piece there, it was quite limited in scope anyway to the estate planning and just the review of your superannuation.","start":829.94495,"end":838.125,"sentiment":"negative","sentiment_score":-0.36261122902998555},{"text":"And given how you're not working there currently, I it's not probably in your best interest to look at sort of changing things currently given the investment that you're currently in and the cost you do pay for that one versus doing an update.","start":838.50494,"end":850.82,"sentiment":"negative","sentiment_score":-0.4628532383252274},{"text":"We'll obviously still have a quick look at that, but then also have a look at the the menu switch, like I said, to save you a little bit of ongoing cost in your superannuation to sign, still get some growth out of it while you sort of, you know, still paying those insurance premiums and not working.","start":851.68,"end":866.795,"sentiment":"neutral","sentiment_score":0.1050883661955595}],"sentiment":"neutral","sentiment_score":-0.17785721543924252,"num_words":133,"start":826.04,"end":866.795},{"sentences":[{"text":"And I will just quickly go over a risk profile just to ensure that that is in line still with what you're currently invested in.","start":869.57495,"end":878.53,"sentiment":"neutral","sentiment_score":0.09330599904060363},{"text":"Now I know you've answered these previously there, Darren, but I'll just go through them again.","start":879.07,"end":884.03,"sentiment":"neutral","sentiment_score":0.03581156302243471},{"text":"So within regards to investments, have you ever invested in direct shares previously?","start":884.03,"end":888.035,"sentiment":"neutral","sentiment_score":0.005185697370996842},{"text":"Yep.","start":890.175,"end":890.415,"sentiment":"neutral","sentiment_score":-0.07812704890966415},{"text":"No.","start":890.415,"end":890.655,"sentiment":"neutral","sentiment_score":-0.22756294906139377}],"sentiment":"neutral","sentiment_score":0.04763141164689192,"num_words":56,"start":869.57495,"end":890.655},{"sentences":[{"text":"That's fine.","start":890.655,"end":891.315,"sentiment":"neutral","sentiment_score":-0.102254718542099},{"text":"Yeah.","start":898.27,"end":898.67004,"sentiment":"neutral","sentiment_score":-0.053410854190588},{"text":"That that managed fund through super.","start":898.67004,"end":900.35004,"sentiment":"neutral","sentiment_score":-0.08221323663989703},{"text":"Yeah.","start":900.35004,"end":900.59,"sentiment":"neutral","sentiment_score":-0.15797632932662964},{"text":"No.","start":900.59,"end":900.83,"sentiment":"negative","sentiment_score":-0.38974103331565857}],"sentiment":"neutral","sentiment_score":-0.11808337034149603,"num_words":11,"start":890.655,"end":900.83},{"sentences":[{"text":"Completely understandable.","start":900.83,"end":901.97003,"sentiment":"negative","sentiment_score":-0.40196196734905243},{"text":"And then in regards to your superannuation, if sort of you're unable to get on on claim and things like that or do end up totally permanently disabled to where the point you can't work again, would you look at accessing your super funds, or would you mainly just look at the insurances that you would be able to claim on and utilizing those funds?","start":903.71,"end":922.895,"sentiment":"neutral","sentiment_score":-0.24514261243435054},{"text":"You don't plan on sort of accessing the money in super just yet?","start":922.895,"end":932.22003,"sentiment":"negative","sentiment_score":-0.3750725526076097},{"text":"Hasn't crossed your mind?","start":933.24,"end":934.54,"sentiment":"neutral","sentiment_score":-0.19116976857185364},{"text":"So if you were to sort of, like, either end up on an IP claim or be, you know, considered totally permanently disabled by a doctor and a specialist to where you could, you know, get a payout in regards to, like, insurance with the the IP.","start":940.935,"end":957.41,"sentiment":"neutral","sentiment_score":-0.06385724278206521}],"sentiment":"neutral","sentiment_score":-0.1937412703196511,"num_words":131,"start":900.83,"end":957.41},{"sentences":[{"text":"You can, when you're TPD, also use TPD to access your super funds early as opposed to waiting to the age of 60.","start":957.87,"end":965.73,"sentiment":"neutral","sentiment_score":0.04140129879764889},{"text":"Now in regards to that one, obviously, that makes a difference in sort of if you were looking to take the funds out and what level of risk you do take on versus sort of leaving it there and not accessing it, if that makes sense.","start":966.505,"end":981.5,"sentiment":"neutral","sentiment_score":-0.28172098148776137},{"text":"Yeah.","start":996.775,"end":997.015,"sentiment":"neutral","sentiment_score":0.0009274445474147796},{"text":"No.","start":997.015,"end":997.17505,"sentiment":"neutral","sentiment_score":-0.009060833603143692},{"text":"That's fine.","start":997.17505,"end":997.91504,"sentiment":"neutral","sentiment_score":0.0973023883998394}],"sentiment":"neutral","sentiment_score":-0.16192416285407052,"num_words":73,"start":957.87,"end":997.91504},{"sentences":[{"text":"Yep.","start":1003.50995,"end":1004.00995,"sentiment":"neutral","sentiment_score":0.058401286602020264},{"text":"So the way that your insurances are structured, so you do have income protection life and total permanent disability at the moment in terms of your insurance cover that you hold.","start":1023.125,"end":1032.51,"sentiment":"neutral","sentiment_score":0.019588706113638416},{"text":"Now you can also claim on income protection, but then you can also claim on total permanent disability should you be deemed that by the doctors and meet that condition of release as well, which means that in addition to, like, your income protection, you can get the lump sum payment of the total permanent disability.","start":1033.0499,"end":1048.875,"sentiment":"neutral","sentiment_score":0.15350198572767632},{"text":"Now because it's owned through superannuation, it basically gets paid to your super, and then you have to apply to trustee of the super fund to be considered totally permanently disabled again as opposed to the insurer.","start":1048.875,"end":1060.59,"sentiment":"neutral","sentiment_score":0.04373203288461711},{"text":"You've gotta do it with the trustee with the superannuation fund as well to be able to access the release of those funds.","start":1060.65,"end":1065.79,"sentiment":"neutral","sentiment_score":0.13130968323220377}],"sentiment":"neutral","sentiment_score":0.09391871829693382,"num_words":148,"start":1003.50995,"end":1065.79},{"sentences":[{"text":"And then from there, you could sort of either, like, you know, take the whole lot.","start":1066.01,"end":1070.65,"sentiment":"neutral","sentiment_score":0.04173296317458153},{"text":"You can take it in sort of portions.","start":1070.65,"end":1071.905,"sentiment":"neutral","sentiment_score":0.06880022818222642},{"text":"You can create some sort of, like, pension drawdown that you're sort of looking to do, and there's different ways to structure that and things like that as well.","start":1071.905,"end":1079.6849,"sentiment":"neutral","sentiment_score":0.03667894648066882},{"text":"But within that as well, you do have your superannuation balance.","start":1080.065,"end":1083.4249,"sentiment":"neutral","sentiment_score":0.28697603805498645},{"text":"And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment.","start":1083.4249,"end":1099.52,"sentiment":"neutral","sentiment_score":0.19487345379357243}],"sentiment":"neutral","sentiment_score":0.13371392388058745,"num_words":115,"start":1066.01,"end":1099.52},{"sentences":[{"text":"Yeah.","start":1103.095,"end":1103.4149,"sentiment":"neutral","sentiment_score":0.07907126098871231},{"text":"But what's that?","start":1103.4149,"end":1105.6749,"sentiment":"neutral","sentiment_score":0.0034999276200930276},{"text":"Yeah.","start":1114.23,"end":1114.39,"sentiment":"neutral","sentiment_score":0.056322503834962845},{"text":"You wouldn't sort of take it out unless you you had to sort of thing in terms of, like, costs.","start":1114.39,"end":1118.57,"sentiment":"neutral","sentiment_score":-0.03436411540023983},{"text":"Yeah.","start":1130.405,"end":1130.725,"sentiment":"neutral","sentiment_score":-0.0516853928565979}],"sentiment":"neutral","sentiment_score":-0.022810544352978468,"num_words":26,"start":1103.095,"end":1130.725},{"sentences":[{"text":"And, obviously, at the moment, your insurance costs are quite high.","start":1130.725,"end":1134.085,"sentiment":"neutral","sentiment_score":-0.25027292695912445},{"text":"But, obviously, with in regards to your current sort of health conditions with your knees and your shoulders and things like that as well, there wasn't sort of a reason to decrease those now even with the higher cost because the likelihood of a claim, which is why with that original main recommendation, we go we're gonna keep it the same.","start":1134.085,"end":1151.385,"sentiment":"neutral","sentiment_score":-0.0794033993218766},{"text":"Even though it is a high cost and it does sort of eat away your super balance, it just sort of gives you that level of protection still.","start":1151.9451,"end":1157.5651,"sentiment":"neutral","sentiment_score":-0.20358725557369844},{"text":"And then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not.","start":1158.425,"end":1170.61,"sentiment":"neutral","sentiment_score":0.010004283860325813},{"text":"But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward?","start":1175.3899,"end":1184.3551,"sentiment":"neutral","sentiment_score":-0.2099117346935802}],"sentiment":"neutral","sentiment_score":-0.11340937039090528,"num_words":180,"start":1130.725,"end":1184.3551},{"sentences":[{"text":"Higher rewards or, like, higher risk for higher returns?","start":1192.175,"end":1194.755,"sentiment":"neutral","sentiment_score":-0.21249818139606053},{"text":"Or would you consider yourself a little bit more moderate?","start":1198.71,"end":1200.97,"sentiment":"neutral","sentiment_score":-0.036350589245557785},{"text":"Second.","start":1210.325,"end":1210.825,"sentiment":"neutral","sentiment_score":-0.2157931625843048},{"text":"So in terms of, like, risk in your superannuation, currently, you're in a high growth, which is, like, 90% growth as it's about 10% defensive.","start":1212.405,"end":1219.225,"sentiment":"neutral","sentiment_score":-0.15832566529512404},{"text":"So with that, that 90% growth has things like international shares, direct shares, those sort of things that carry a lot more risk in terms of, like, the value that that can drop and rise and that, like, volatility that it carries and how that's going to perform.","start":1219.59,"end":1233.2899,"sentiment":"neutral","sentiment_score":-0.29947831605871517}],"sentiment":"neutral","sentiment_score":-0.22392347839570814,"num_words":93,"start":1192.175,"end":1233.2899},{"sentences":[{"text":"Now, obviously, over a longer term, having those growth assets, they do get more capital growth as opposed to, like, having, you know, fixed interest cash in the bank as a defensive asset or bonds and things like that that do provide, obviously, like, a steady sort of growth or income in regards to your super, but you don't get the kind of capital growth you get out of those more aggressive assets.","start":1234.215,"end":1254.94,"sentiment":"neutral","sentiment_score":-0.0028316809808554715},{"text":"So you need to take on some more risk to get that capital growth and the dividends and income from that as opposed to just sitting in, like, cash.","start":1255.0,"end":1262.485,"sentiment":"neutral","sentiment_score":-0.22023833774287124},{"text":"So when you take on that more risk, the likelihood of you getting higher returns or at least position yourself to get higher returns increases, but then also they can dip quite considerably to kind of what's happening at the moment with the war in Iran and everything.","start":1263.025,"end":1277.22,"sentiment":"neutral","sentiment_score":-0.3267576914901535},{"text":"So would you think you sort of still wanna maintain a higher level of risk in your super, or you feel like it wants you wanna be a bit more defensive?","start":1280.64,"end":1287.94,"sentiment":"neutral","sentiment_score":-0.04574549462526075},{"text":"Yep.","start":1294.555,"end":1295.055,"sentiment":"neutral","sentiment_score":0.009997694753110409}],"sentiment":"neutral","sentiment_score":-0.13014344140825854,"num_words":182,"start":1234.215,"end":1295.055},{"sentences":[{"text":"And then how would you feel six months after investing if you found out your portfolio did decrease by sort of 20% if, like, the war continues and your portfolio drops, would that sort of make you a little bit concerned?","start":1296.155,"end":1308.3501,"sentiment":"neutral","sentiment_score":-0.24150935905735668},{"text":"Would you sort of hold and wait for it to sort of come back and improve?","start":1308.3501,"end":1311.23,"sentiment":"neutral","sentiment_score":-0.27874971460551023},{"text":"Or yeah.","start":1311.23,"end":1324.685,"sentiment":"neutral","sentiment_score":-0.089443389326334},{"text":"No.","start":1324.685,"end":1324.925,"sentiment":"neutral","sentiment_score":-0.17391517758369446},{"text":"Under understandable.","start":1324.925,"end":1325.8251,"sentiment":"neutral","sentiment_score":-0.17391622811555862}],"sentiment":"neutral","sentiment_score":-0.24294376721785915,"num_words":62,"start":1296.155,"end":1325.8251},{"sentences":[{"text":"Yeah.","start":1328.22,"end":1328.54,"sentiment":"neutral","sentiment_score":-0.10172002762556076},{"text":"Obviously, when super does take a bit of a drop there, if you were to sell it, you kind of crystallize those losses as opposed to if you remain investment and wait for that time for it to cut recover, then you sort of still hold that investment.","start":1328.54,"end":1339.98,"sentiment":"neutral","sentiment_score":-0.2557190217388173},{"text":"You're not trying to time the market.","start":1339.98,"end":1341.4401,"sentiment":"neutral","sentiment_score":-0.3048288715737207},{"text":"It just means that you've only made a paper loss until a point you do sell.","start":1341.66,"end":1346.345,"sentiment":"neutral","sentiment_score":-0.1633254736661911},{"text":"So if you were to sort of hold and wait and sort of hope for the recover, then you sort of put yourself in a less risky position as opposed to trying to sell and then reenter the market and sort of crystallizing losses and those sort of things.","start":1346.565,"end":1357.865,"sentiment":"neutral","sentiment_score":-0.1696405955115143}],"sentiment":"neutral","sentiment_score":-0.21021183413907515,"num_words":121,"start":1328.22,"end":1357.865},{"sentences":[{"text":"Yep.","start":1357.89,"end":1358.39,"sentiment":"neutral","sentiment_score":0.11854268610477448},{"text":"And in terms of, like, returns, because obviously if you take a little less risk, you're not sort of gonna get those higher returns.","start":1361.97,"end":1367.5701,"sentiment":"neutral","sentiment_score":0.1716507263481617},{"text":"Do you think if you're getting sort of six to 8% per annum, you'd be sort of happy with that as a return if that's what you were getting being in a slightly less risky portfolio.","start":1367.5701,"end":1376.815,"sentiment":"neutral","sentiment_score":0.27354875372515786},{"text":"So at the moment, it's sitting before phase around 6.14 for the last twelve months, I believe, and that's purely just because of, like, what has occurred for the back end of the year.","start":1385.515,"end":1399.53,"sentiment":"neutral","sentiment_score":-0.018549723167191532},{"text":"It obviously had a good start to the sort of year minus the tariff talk from Trump.","start":1400.2849,"end":1404.3049,"sentiment":"neutral","sentiment_score":0.17931973999914}],"sentiment":"neutral","sentiment_score":0.14735410932917148,"num_words":112,"start":1357.89,"end":1404.3049},{"sentences":[{"text":"And then sort of the back end of the start of this year, it's taken a bit of a dive just with what has happened.","start":1404.5249,"end":1408.445,"sentiment":"neutral","sentiment_score":-0.13730578511953354},{"text":"It was sitting up around, I think, the 14% even at one point before what did occur.","start":1408.445,"end":1414.62,"sentiment":"neutral","sentiment_score":-0.07100157943718574},{"text":"Sort of around since February, it's gone from, like, 14% down to the 6.4% just for what did occur.","start":1414.62,"end":1420.9601,"sentiment":"neutral","sentiment_score":-0.04160692033014799},{"text":"Yeah.","start":1423.66,"end":1423.9801,"sentiment":"neutral","sentiment_score":0.032792460173368454},{"text":"But that's not to say that it won't sort of rebound once sort of things settle down.","start":1423.9801,"end":1427.625,"sentiment":"neutral","sentiment_score":-0.11441305674174253}],"sentiment":"neutral","sentiment_score":-0.09294218315353876,"num_words":79,"start":1404.5249,"end":1427.625},{"sentences":[{"text":"It just means that the time being, it has taken a bit of a a dip from what the markets are experiencing, which isn't just that, like, specific to you.","start":1427.865,"end":1436.105,"sentiment":"neutral","sentiment_score":-0.26396427551905316},{"text":"It's in regards to, like, the industry as a whole and the market as a whole are taking a bit of a dive.","start":1436.105,"end":1440.84,"sentiment":"neutral","sentiment_score":-0.21300696646389755},{"text":"Do you have any questions regarding that, Daryl?","start":1448.36,"end":1450.2999,"sentiment":"neutral","sentiment_score":0.07812384190037847},{"text":"Oh, Dan.","start":1450.84,"end":1451.4,"sentiment":"neutral","sentiment_score":0.01833815686404705},{"text":"Sorry.","start":1451.4,"end":1451.9,"sentiment":"neutral","sentiment_score":-0.04623289778828621}],"sentiment":"neutral","sentiment_score":-0.19066647411091253,"num_words":64,"start":1427.865,"end":1451.9},{"sentences":[{"text":"Yeah.","start":1457.1749,"end":1457.495,"sentiment":"neutral","sentiment_score":-0.02296539954841137},{"text":"No.","start":1457.495,"end":1457.995,"sentiment":"neutral","sentiment_score":-0.09098291397094728},{"text":"That's okay.","start":1458.215,"end":1459.115,"sentiment":"neutral","sentiment_score":0.12684394046664238},{"text":"Obviously, within regards to that, so it does bring you out as a growth investor, which is about an eighty twenty split as opposed to the ninety ten split that you're currently in.","start":1460.775,"end":1469.69,"sentiment":"neutral","sentiment_score":0.16738710998359954},{"text":"Now given that you're currently not working, and I'm not too sure if you did get an the income protection claim, if it does pay from memory.","start":1469.83,"end":1477.67,"sentiment":"neutral","sentiment_score":-0.10365075273094354}],"sentiment":"neutral","sentiment_score":0.04476474801776931,"num_words":64,"start":1457.1749,"end":1477.67},{"sentences":[{"text":"I can't remember if it pays into super as well.","start":1477.67,"end":1481.605,"sentiment":"neutral","sentiment_score":-0.04928202927112579},{"text":"I'll just see if it yeah.","start":1481.6649,"end":1483.825,"sentiment":"neutral","sentiment_score":-0.011365966871380806},{"text":"Okay.","start":1483.825,"end":1483.985,"sentiment":"neutral","sentiment_score":0.1124066486954689},{"text":"So it does have the retirement protection as well.","start":1483.985,"end":1486.485,"sentiment":"neutral","sentiment_score":0.15128235684500801},{"text":"But in saying that, it would be slightly less than probably what you'd be getting if you were working full time.","start":1486.865,"end":1491.845,"sentiment":"neutral","sentiment_score":-0.18876690843275615}],"sentiment":"neutral","sentiment_score":-0.06491858107929534,"num_words":47,"start":1477.67,"end":1491.845},{"sentences":[{"text":"But in saying that so if you were to lower it from, like, a high growth down to a growth, you'd be sort of sitting from, like, around that ninety ten potential split to around a sort of eighty twenty, which would mean that your likelihood to get those high returns would potentially decrease a little bit because you have more defensive assets than the your previous portfolio, but it also means you're slightly more defensive, which should protect you a little bit more when it does have those market downturns.","start":1492.065,"end":1518.9751,"sentiment":"neutral","sentiment_score":-0.03182258485601498},{"text":"Or given that, do you think that you'd sort of still wanna stay in the high growth, or do you feel like growth more aligns with where you're at at the moment?","start":1519.115,"end":1525.91,"sentiment":"neutral","sentiment_score":0.06426619924604893},{"text":"Yep.","start":1538.305,"end":1538.805,"sentiment":"neutral","sentiment_score":-0.08584806323051453},{"text":"And then with that, if you sort of were to stay on claim for a considerable amount of time, you are getting some contributions, but at least then it's not in the because generally, a high growth portfolio is going to cost a little bit more as well as opposed to maybe a growth.","start":1538.865,"end":1551.75,"sentiment":"neutral","sentiment_score":-0.03766096459218749},{"text":"But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one.","start":1551.75,"end":1561.8049,"sentiment":"neutral","sentiment_score":0.16553055109648868}],"sentiment":"neutral","sentiment_score":0.008896178669399686,"num_words":207,"start":1492.065,"end":1561.8049},{"sentences":[{"text":"Because when selling the investments and training to another one, given that you're all currently in just like the one Mercer core series passive high growth fund, selling that might look to realize, a certain amount of capital gains, so we'll take that into account.","start":1562.425,"end":1578.4401,"sentiment":"neutral","sentiment_score":0.10218948026498159},{"text":"And then I'll also go and have a check with the Mercer core series passive high growth, how much is actually defensive versus the high growth there, and have a look at all that for you.","start":1578.4401,"end":1588.755,"sentiment":"neutral","sentiment_score":0.16931685681144396},{"text":"Because if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment.","start":1591.3151,"end":1604.695,"sentiment":"neutral","sentiment_score":0.047252491764400315},{"text":"Does that make sense?","start":1604.8099,"end":1605.63,"sentiment":"neutral","sentiment_score":0.09121869318187237},{"text":"And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching?","start":1607.85,"end":1618.03,"sentiment":"neutral","sentiment_score":-0.04609405470860971}],"sentiment":"neutral","sentiment_score":0.0686127549214732,"num_words":168,"start":1562.425,"end":1618.03},{"sentences":[{"text":"Yeah.","start":1624.9551,"end":1625.275,"sentiment":"neutral","sentiment_score":-0.017068009823560715},{"text":"Because obviously with that giving you you've got that around the 80,000, if you do pay a few thousand of that to just switch investments, it can sort of be a bit of a hit as opposed to remaining invested.","start":1625.275,"end":1635.9401,"sentiment":"neutral","sentiment_score":-0.28385706096887586},{"text":"And then depending where the the other funds are at as well.","start":1636.56,"end":1639.3,"sentiment":"neutral","sentiment_score":0.008243515156209469},{"text":"But I'll make a note of it.","start":1639.6,"end":1640.64,"sentiment":"neutral","sentiment_score":0.19818672218493052},{"text":"We'll have a look and see what's sort of in your best interest there.","start":1640.64,"end":1643.775,"sentiment":"neutral","sentiment_score":0.29658633896282743}],"sentiment":"neutral","sentiment_score":-0.07747179008013494,"num_words":74,"start":1624.9551,"end":1643.775},{"sentences":[{"text":"But do you have any questions for me, Darren, in regards to that at all?","start":1647.375,"end":1650.655,"sentiment":"neutral","sentiment_score":0.05923491306602955},{"text":"Or yeah.","start":1650.655,"end":1655.855,"sentiment":"neutral","sentiment_score":0.003577824681997299},{"text":"No.","start":1655.855,"end":1656.015,"sentiment":"neutral","sentiment_score":-0.02768991142511368},{"text":"It's not a problem at all.","start":1656.015,"end":1656.975,"sentiment":"neutral","sentiment_score":0.1306007613117496},{"text":"We'll look to try and get that reupdated there for you and get that advice piece sorted.","start":1656.975,"end":1663.6,"sentiment":"neutral","sentiment_score":0.06343764242003946}],"sentiment":"neutral","sentiment_score":0.06658619324245103,"num_words":41,"start":1647.375,"end":1663.6},{"sentences":[{"text":"And then from there, obviously, you'll be dealing with the the case management department in regards to the IP claim and trying to to get back on that.","start":1663.9,"end":1671.36,"sentiment":"neutral","sentiment_score":0.005393769791615861},{"text":"Not a problem at all.","start":1674.3151,"end":1675.3551,"sentiment":"positive","sentiment_score":0.4778498589992523},{"text":"If you do have any questions, feel free to just reach out and ask them and or get booked back in to have a discussion as well there for you, Darren.","start":1675.3551,"end":1682.3351,"sentiment":"neutral","sentiment_score":0.30660276114940643},{"text":"No problem.","start":1684.25,"end":1684.9099,"sentiment":"positive","sentiment_score":0.4256856292486191},{"text":"Well, sorry to take up so much of your time there, but enjoy the rest of your day.","start":1685.0499,"end":1689.23,"sentiment":"positive","sentiment_score":0.4151805713772774}],"sentiment":"neutral","sentiment_score":0.24249502366763495,"num_words":84,"start":1663.9,"end":1689.23},{"sentences":[{"text":"And good luck at your doctor's appointment.","start":1689.69,"end":1691.3099,"sentiment":"positive","sentiment_score":0.6907217417444501},{"text":"Thanks.","start":1692.97,"end":1693.37,"sentiment":"positive","sentiment_score":0.7470306754112244},{"text":"Alright.","start":1693.37,"end":1693.69,"sentiment":"positive","sentiment_score":0.6420530080795288},{"text":"You enjoy the rest of your day.","start":1693.69,"end":1695.0499,"sentiment":"positive","sentiment_score":0.7460374661854335},{"text":"Bye.","start":1695.0499,"end":1695.5499,"sentiment":"neutral","sentiment_score":-0.12466884404420853}],"sentiment":"positive","sentiment_score":0.6659840761738665,"num_words":17,"start":1689.69,"end":1695.5499}]}}]},{"alternatives":[{"transcript":"Hello. Darren speaking. I'm good. Yourself? Yes. Yes. I did have a a doctor's appointment in forty minutes, but I don't know how long this will take for. Yeah. '76. I I got it at my address. 1856 Stapleton Jacobsville Road, Jacobsville. And Heron, h e r o n. Sure. Yep. Yep. That's correct. I'm in the process of trying to get that. It should be resolved by the end of this month or early into next month. But, yeah, like, it's it's in application at the moment. It's no. Not a no. Yeah. We will get these from From from the twenty eighth of the first sorry. Hang on. I'm just looking at this, but the dates that makes the twenty second of the first to the twenty ninth of the first. No. I'm not sure about because it says year to date, $53,809.85. But but the date stay period twenty second of the first twenty sixth to the twenty eighth of the first twenty sixth payment. So that's just, like, showing one week. But yeah. Yeah. Yeah. Yeah. $9.85. That's saying the YCD. Lots. Well, luckily, we got, like, loans to pay and fuel and food and but I I wouldn't have exact numbers for me right now. Give me one second. Daddy, is that yours? Can you get a second? Mhmm. I'll go ahead and see your question in a second. This is an an ID. Yeah. Would you like to repeat the question just so that Jody can listen? Probably about 800 to 1,000 a week. Yeah. Probably $8,800 a week maybe. We've got one one box now, and it's well, we just need renovations, so I would say between one point two and one point five. Yeah. We've only got the 1856 Claibleton. 440,000. No. I did that. No. That's perfect. It's it's in the 40 still. I'll tell you in a second. Yes. Yes. I'm having issues with my my shoulders as well, but but not as bad as the problems I'm having with my knees. Just I should have had a shoulder reconstruction, like, three, four years ago, whatever it was. And I I get pain in there every now and then, but but, you know, like, it's becoming a bit more frequent and, you know, not a long time ago. Yeah. That's probably ages ago. The only medication I'll take is osteopinadol, which I stay on top of every day. So I take six tablets a day or two in the morning, lunchtime, and then not one. So I take the maximum dose levels every day, basically. No. No. No. No. Actually, no. I haven't. No. No. What's her? No. This is her. No. Yeah. That's right. Yep. Yeah. Exactly. Yep. That's actually just like you said, it's just getting back on track. Just trying to make sure that I've got everything covered so that my kids don't suffer in any way for, you know, due to money reasons or anything that can affect them in that regard. Right. Yep. No. I I was never invested in anything. The the only thing which would have been done is anything that's done through my super. That's it. I'm not sure. I haven't really thought about that. What what do you mean by accessing this this super like? Oh, I see. So what is is that I didn't know how to say it. Is that is that like so if if if if I don't even know how to spell it. So if if that was gonna happen like you just said, then there's a pay a pay out like what you just said. And and then there's like what is it like? A monthly or weekly or whatever it is payment, and that's that's the super, is it? Yep. Okay. Well, whatever would happen, I I would want to be leaving some money in, like, the super like it is now. Unless I unless I had to. Yeah. But but but otherwise, I'd still want that there for for later on in life, I guess, if you know what I mean. Yep. Hello. You mean a lot of high risk for But I I I don't understand what you mean, like, a high risk would be, like you mean, like, going back to work or not? Yep. Okay. Yeah. Probably a little bit more defensive. Yeah. Well, I would definitely be concerned, but I I wouldn't really know the right thing to do to yeah. A lot of this a lot of this stuff is over my head. Yep. I don't have a damn. I never heard of it. Yeah. Alright. Well, was I getting a bit 15%? Okay. Yeah. No. Yep. It did last one. Yep. Yep. No. I think obviously, things get worse than it's better to have that bit more defensive mode. Yep. Yeah. I think so. Yes. No. Not that I can think of right now. Oh. Yep. 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Darren speaking. I'm good. Yourself? Yes.\n\nYes. I did have a a doctor's appointment in forty minutes, but I don't know how long this will take for. Yeah. '76. I I got it at my address.\n\n1856 Stapleton Jacobsville Road, Jacobsville. And Heron, h e r o n. Sure. Yep. Yep.\n\nThat's correct. I'm in the process of trying to get that. It should be resolved by the end of this month or early into next month. But, yeah, like, it's it's in application at the moment. It's no.\n\nNot a no. Yeah. We will get these from From from the twenty eighth of the first sorry. Hang on. I'm just looking at this, but the dates that makes the twenty second of the first to the twenty ninth of the first.\n\nNo. I'm not sure about because it says year to date, $53,809.85. But but the date stay period twenty second of the first twenty sixth to the twenty eighth of the first twenty sixth payment. So that's just, like, showing one week. But yeah.\n\nYeah. Yeah. Yeah. $9.85. That's saying the YCD.\n\nLots. Well, luckily, we got, like, loans to pay and fuel and food and but I I wouldn't have exact numbers for me right now. Give me one second. Daddy, is that yours? Can you get a second?\n\nMhmm. I'll go ahead and see your question in a second. This is an an ID. Yeah. Would you like to repeat the question just so that Jody can listen?\n\nProbably about 800 to 1,000 a week. Yeah. Probably $8,800 a week maybe. We've got one one box now, and it's well, we just need renovations, so I would say between one point two and one point five. Yeah.\n\nWe've only got the 1856 Claibleton. 440,000. No. I did that. No.\n\nThat's perfect. It's it's in the 40 still. I'll tell you in a second. Yes. Yes.\n\nI'm having issues with my my shoulders as well, but but not as bad as the problems I'm having with my knees. Just I should have had a shoulder reconstruction, like, three, four years ago, whatever it was. And I I get pain in there every now and then, but but, you know, like, it's becoming a bit more frequent and, you know, not a long time ago. Yeah. That's probably ages ago.\n\nThe only medication I'll take is osteopinadol, which I stay on top of every day. So I take six tablets a day or two in the morning, lunchtime, and then not one. So I take the maximum dose levels every day, basically. No. No.\n\nNo. No. Actually, no. I haven't. No.\n\nNo. What's her? No. This is her. No.\n\nYeah. That's right. Yep. Yeah. Exactly.\n\nYep. That's actually just like you said, it's just getting back on track. Just trying to make sure that I've got everything covered so that my kids don't suffer in any way for, you know, due to money reasons or anything that can affect them in that regard. Right. Yep.\n\nNo. I I was never invested in anything. The the only thing which would have been done is anything that's done through my super. That's it. I'm not sure.\n\nI haven't really thought about that. What what do you mean by accessing this this super like? Oh, I see. So what is is that I didn't know how to say it. Is that is that like so if if if if I don't even know how to spell it.\n\nSo if if that was gonna happen like you just said, then there's a pay a pay out like what you just said. And and then there's like what is it like? A monthly or weekly or whatever it is payment, and that's that's the super, is it? Yep. Okay.\n\nWell, whatever would happen, I I would want to be leaving some money in, like, the super like it is now. Unless I unless I had to. Yeah. But but but otherwise, I'd still want that there for for later on in life, I guess, if you know what I mean. Yep.\n\nHello. You mean a lot of high risk for But I I I don't understand what you mean, like, a high risk would be, like you mean, like, going back to work or not? Yep. Okay. Yeah.\n\nProbably a little bit more defensive. Yeah. Well, I would definitely be concerned, but I I wouldn't really know the right thing to do to yeah. A lot of this a lot of this stuff is over my head. Yep.\n\nI don't have a damn. I never heard of it. Yeah. Alright. Well, was I getting a bit 15%?\n\nOkay. Yeah. No. Yep. It did last one.\n\nYep. Yep. No. I think obviously, things get worse than it's better to have that bit more defensive mode. Yep.\n\nYeah. I think so. Yes. No. Not that I can think of right now.\n\nOh. Yep. Okay.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04615437239408493},{"text":"Darren speaking.","start":1.8399999,"end":2.82,"sentiment":"neutral","sentiment_score":0.04576302692294121},{"text":"I'm good.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.49115727841854095},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.29128706455230713},{"text":"Yes.","start":15.085,"end":15.405,"sentiment":"neutral","sentiment_score":0.13143818080425262}],"sentiment":"neutral","sentiment_score":0.22038860406194413,"num_words":7,"start":1.4399999,"end":15.405},{"sentences":[{"text":"Yes.","start":15.405,"end":15.905,"sentiment":"neutral","sentiment_score":0.10843034833669662},{"text":"I did have a a doctor's appointment in forty minutes, but I don't know how long this will take for.","start":16.125,"end":21.345,"sentiment":"neutral","sentiment_score":0.029727177880704402},{"text":"Yeah.","start":31.26,"end":31.76,"sentiment":"neutral","sentiment_score":0.03358224406838417},{"text":"'76.","start":32.62,"end":34.96,"sentiment":"neutral","sentiment_score":0.017846545204520226},{"text":"I I got it at my address.","start":36.46,"end":37.635,"sentiment":"neutral","sentiment_score":0.02950550110212394}],"sentiment":"neutral","sentiment_score":0.032031373431285225,"num_words":30,"start":15.405,"end":37.635},{"sentences":[{"text":"1856 Stapleton Jacobsville Road, Jacobsville.","start":40.355,"end":44.214996,"sentiment":"neutral","sentiment_score":0.021581724286079407},{"text":"And Heron, h e r o n.","start":49.074997,"end":50.88,"sentiment":"neutral","sentiment_score":0.12820935994386673},{"text":"Sure.","start":56.24,"end":56.74,"sentiment":"neutral","sentiment_score":0.05472137778997421},{"text":"Yep.","start":142.745,"end":143.245,"sentiment":"neutral","sentiment_score":0.033493880182504654},{"text":"Yep.","start":164.385,"end":164.885,"sentiment":"neutral","sentiment_score":0.09902077913284302}],"sentiment":"neutral","sentiment_score":0.07950734520951906,"num_words":15,"start":40.355,"end":164.885},{"sentences":[{"text":"That's correct.","start":183.05,"end":183.87,"sentiment":"neutral","sentiment_score":0.046105895191431046},{"text":"I'm in the process of trying to get that.","start":192.005,"end":195.145,"sentiment":"neutral","sentiment_score":-0.029134949048360188},{"text":"It should be resolved by the end of this month or early into next month.","start":196.405,"end":201.225,"sentiment":"neutral","sentiment_score":-0.014426841959357261},{"text":"But, yeah, like, it's it's in application at the moment.","start":203.125,"end":207.51,"sentiment":"neutral","sentiment_score":-0.010843339189887048},{"text":"It's no.","start":221.505,"end":229.10501,"sentiment":"neutral","sentiment_score":-0.07710525766015053}],"sentiment":"neutral","sentiment_score":-0.017080244412155526,"num_words":38,"start":183.05,"end":229.10501},{"sentences":[{"text":"Not a no.","start":229.10501,"end":230.24501,"sentiment":"neutral","sentiment_score":-0.08696956684192021},{"text":"Yeah.","start":249.06499,"end":249.305,"sentiment":"neutral","sentiment_score":-0.02022494375705719},{"text":"We will get these from From from the twenty eighth of the first sorry.","start":249.305,"end":268.91,"sentiment":"neutral","sentiment_score":-0.012060697456555707},{"text":"Hang on.","start":268.91,"end":270.28998,"sentiment":"neutral","sentiment_score":-0.018951481208205223},{"text":"I'm just looking at this, but the dates that makes the twenty second of the first to the twenty ninth of the first.","start":284.20502,"end":291.78,"sentiment":"neutral","sentiment_score":-0.006186405520724214}],"sentiment":"neutral","sentiment_score":-0.014655202280643374,"num_words":43,"start":229.10501,"end":291.78},{"sentences":[{"text":"No.","start":300.16,"end":300.4,"sentiment":"neutral","sentiment_score":-0.06263785809278488},{"text":"I'm not sure about because it says year to date, $53,809.85.","start":300.4,"end":310.345,"sentiment":"neutral","sentiment_score":-0.08320481059226123},{"text":"But but the date stay period twenty second of the first twenty sixth to the twenty eighth of the first twenty sixth payment.","start":313.845,"end":323.11002,"sentiment":"neutral","sentiment_score":-0.03550897109443727},{"text":"So that's just, like, showing one week.","start":323.17,"end":325.01,"sentiment":"neutral","sentiment_score":-0.03989487487290587},{"text":"But yeah.","start":325.01,"end":333.185,"sentiment":"neutral","sentiment_score":0.00811450369656086}],"sentiment":"neutral","sentiment_score":-0.046764368784021244,"num_words":44,"start":300.16,"end":333.185},{"sentences":[{"text":"Yeah.","start":333.185,"end":333.345,"sentiment":"neutral","sentiment_score":0.03106340393424034},{"text":"Yeah.","start":333.345,"end":333.845,"sentiment":"neutral","sentiment_score":0.03356016054749489},{"text":"Yeah.","start":337.585,"end":337.82498,"sentiment":"neutral","sentiment_score":0.02860129624605179},{"text":"$9.85.","start":337.82498,"end":339.72,"sentiment":"neutral","sentiment_score":0.03223757445812225},{"text":"That's saying the YCD.","start":342.52,"end":344.54,"sentiment":"neutral","sentiment_score":0.042860996909439564}],"sentiment":"neutral","sentiment_score":0.03711330285295844,"num_words":8,"start":333.185,"end":344.54},{"sentences":[{"text":"Lots.","start":363.96503,"end":364.46503,"sentiment":"neutral","sentiment_score":0.034065358340740204},{"text":"Well, luckily, we got, like, loans to pay and fuel and food and but I I wouldn't have exact numbers for me right now.","start":367.86,"end":393.405,"sentiment":"neutral","sentiment_score":0.015633523153762024},{"text":"Give me one second.","start":393.405,"end":394.84,"sentiment":"neutral","sentiment_score":-0.012104796711355448},{"text":"Daddy, is that yours?","start":395.46002,"end":396.68002,"sentiment":"neutral","sentiment_score":-0.002922923013102263},{"text":"Can you get a second?","start":397.78,"end":398.92,"sentiment":"neutral","sentiment_score":-0.010838745348155498}],"sentiment":"neutral","sentiment_score":0.007762244957695274,"num_words":38,"start":363.96503,"end":398.92},{"sentences":[{"text":"Mhmm.","start":406.275,"end":406.775,"sentiment":"neutral","sentiment_score":0.005566388368606567},{"text":"I'll go ahead and see your question in a second.","start":413.07498,"end":415.255,"sentiment":"neutral","sentiment_score":0.015897748805582524},{"text":"This is an an ID.","start":417.475,"end":420.13498,"sentiment":"neutral","sentiment_score":0.076850263774395},{"text":"Yeah.","start":420.275,"end":420.48,"sentiment":"neutral","sentiment_score":0.04945889860391617},{"text":"Would you like to repeat the question just so that Jody can listen?","start":421.44,"end":424.98,"sentiment":"neutral","sentiment_score":0.04472346159701164}],"sentiment":"neutral","sentiment_score":0.03932196982204914,"num_words":30,"start":406.275,"end":424.98},{"sentences":[{"text":"Probably about 800 to 1,000 a week.","start":439.465,"end":442.525,"sentiment":"neutral","sentiment_score":0.00963337134037699},{"text":"Yeah.","start":446.66498,"end":447.06497,"sentiment":"neutral","sentiment_score":0.02902166172862053},{"text":"Probably $8,800 a week maybe.","start":447.06497,"end":449.405,"sentiment":"neutral","sentiment_score":0.0344443965703249},{"text":"We've got one one box now, and it's well, we just need renovations, so I would say between one point two and one point five.","start":472.885,"end":486.91,"sentiment":"neutral","sentiment_score":-0.01337049251422286},{"text":"Yeah.","start":498.805,"end":499.205,"sentiment":"neutral","sentiment_score":-0.003866827115416527}],"sentiment":"neutral","sentiment_score":-0.0017808178463616432,"num_words":39,"start":439.465,"end":499.205},{"sentences":[{"text":"We've only got the 1856 Claibleton.","start":499.205,"end":502.025,"sentiment":"neutral","sentiment_score":0.016719754009197157},{"text":"440,000.","start":509.81,"end":511.43,"sentiment":"neutral","sentiment_score":0.0030020265839993954},{"text":"No.","start":521.355,"end":521.59503,"sentiment":"neutral","sentiment_score":-0.16580909490585327},{"text":"I did that.","start":521.59503,"end":522.495,"sentiment":"neutral","sentiment_score":-0.1275099590420723},{"text":"No.","start":536.65,"end":536.89,"sentiment":"neutral","sentiment_score":-0.0642286092042923}],"sentiment":"neutral","sentiment_score":-0.04243725254976501,"num_words":12,"start":499.205,"end":536.89},{"sentences":[{"text":"That's perfect.","start":536.89,"end":537.71,"sentiment":"neutral","sentiment_score":0.2616945505142212},{"text":"It's it's in the 40 still.","start":546.775,"end":556.395,"sentiment":"neutral","sentiment_score":0.02798456729700168},{"text":"I'll tell you in a second.","start":596.35,"end":597.795,"sentiment":"neutral","sentiment_score":0.020796337475379307},{"text":"Yes.","start":604.755,"end":605.255,"sentiment":"neutral","sentiment_score":0.03626436740159989},{"text":"Yes.","start":631.265,"end":631.765,"sentiment":"neutral","sentiment_score":0.0021935701370239258}],"sentiment":"neutral","sentiment_score":0.05340827920008451,"num_words":16,"start":536.89,"end":631.765},{"sentences":[{"text":"I'm having issues with my my shoulders as well, but but not as bad as the problems I'm having with my knees.","start":646.125,"end":653.025,"sentiment":"neutral","sentiment_score":-0.2658740170300007},{"text":"Just I should have had a shoulder reconstruction, like, three, four years ago, whatever it was.","start":658.045,"end":665.35,"sentiment":"neutral","sentiment_score":-0.20240975730121136},{"text":"And I I get pain in there every now and then, but but, you know, like, it's becoming a bit more frequent and, you know, not a long time ago.","start":669.49,"end":687.625,"sentiment":"neutral","sentiment_score":-0.18155943118035794},{"text":"Yeah.","start":687.625,"end":687.94495,"sentiment":"neutral","sentiment_score":0.022180337458848953},{"text":"That's probably ages ago.","start":687.94495,"end":698.53,"sentiment":"neutral","sentiment_score":-0.023841177113354206}],"sentiment":"neutral","sentiment_score":-0.2001061890121192,"num_words":73,"start":646.125,"end":698.53},{"sentences":[{"text":"The only medication I'll take is osteopinadol, which I stay on top of every day.","start":698.53,"end":704.605,"sentiment":"neutral","sentiment_score":0.021001752031346164},{"text":"So I take six tablets a day or two in the morning, lunchtime, and then not one.","start":704.605,"end":710.705,"sentiment":"neutral","sentiment_score":0.07940268779502195},{"text":"So I take the maximum dose levels every day, basically.","start":711.96497,"end":714.94,"sentiment":"neutral","sentiment_score":0.09109771773219108},{"text":"No.","start":722.52,"end":722.76,"sentiment":"neutral","sentiment_score":-0.12326081842184068},{"text":"No.","start":722.76,"end":723.26,"sentiment":"neutral","sentiment_score":-0.20825062692165375}],"sentiment":"neutral","sentiment_score":0.05100767511281778,"num_words":44,"start":698.53,"end":723.26},{"sentences":[{"text":"No.","start":723.4,"end":723.9,"sentiment":"neutral","sentiment_score":-0.165728822350502},{"text":"No.","start":734.29504,"end":734.455,"sentiment":"neutral","sentiment_score":-0.17238834500312805},{"text":"Actually, no.","start":734.455,"end":735.09503,"sentiment":"neutral","sentiment_score":-0.21128517389297485},{"text":"I haven't.","start":735.09503,"end":735.755,"sentiment":"neutral","sentiment_score":-0.25439316779375076},{"text":"No.","start":747.58997,"end":748.08997,"sentiment":"neutral","sentiment_score":-0.08919890224933624}],"sentiment":"neutral","sentiment_score":-0.19409610756805964,"num_words":7,"start":723.4,"end":748.08997},{"sentences":[{"text":"No.","start":753.625,"end":753.705,"sentiment":"neutral","sentiment_score":-0.06233777850866318},{"text":"What's her?","start":753.705,"end":756.445,"sentiment":"neutral","sentiment_score":-0.04957537353038788},{"text":"No.","start":758.185,"end":758.685,"sentiment":"neutral","sentiment_score":-0.13482294976711273},{"text":"This is her.","start":758.74506,"end":759.645,"sentiment":"neutral","sentiment_score":-0.11249328404664993},{"text":"No.","start":769.065,"end":769.41,"sentiment":"neutral","sentiment_score":-0.13045236468315125}],"sentiment":"neutral","sentiment_score":-0.09553046151995659,"num_words":8,"start":753.625,"end":769.41},{"sentences":[{"text":"Yeah.","start":782.85,"end":783.35,"sentiment":"neutral","sentiment_score":0.02355554886162281},{"text":"That's right.","start":785.705,"end":786.185,"sentiment":"neutral","sentiment_score":0.15326929092407227},{"text":"Yep.","start":786.185,"end":786.685,"sentiment":"neutral","sentiment_score":0.11284884810447691},{"text":"Yeah.","start":791.305,"end":791.625,"sentiment":"neutral","sentiment_score":0.12033574283123016},{"text":"Exactly.","start":791.625,"end":792.125,"sentiment":"neutral","sentiment_score":0.17227649688720703}],"sentiment":"neutral","sentiment_score":0.12259253642211358,"num_words":6,"start":782.85,"end":792.125},{"sentences":[{"text":"Yep.","start":792.185,"end":792.685,"sentiment":"neutral","sentiment_score":0.17507217824459076},{"text":"That's actually just like you said, it's just getting back on track.","start":805.95996,"end":809.1,"sentiment":"neutral","sentiment_score":0.12628984078764915},{"text":"Just trying to make sure that I've got everything covered so that my kids don't suffer in any way for, you know, due to money reasons or anything that can affect them in that regard.","start":812.055,"end":826.715,"sentiment":"neutral","sentiment_score":-0.043246559585843766},{"text":"Right.","start":851.635,"end":851.85,"sentiment":"neutral","sentiment_score":-0.05604130029678345},{"text":"Yep.","start":867.65497,"end":868.15497,"sentiment":"neutral","sentiment_score":0.11831872165203094}],"sentiment":"neutral","sentiment_score":0.004783962070941925,"num_words":50,"start":792.185,"end":868.15497},{"sentences":[{"text":"No.","start":888.71,"end":889.21,"sentiment":"neutral","sentiment_score":-0.19525060057640076},{"text":"I I was never invested in anything.","start":890.39,"end":892.41003,"sentiment":"neutral","sentiment_score":-0.14181311854294368},{"text":"The the only thing which would have been done is anything that's done through my super.","start":892.87,"end":897.635,"sentiment":"neutral","sentiment_score":-0.245033229701221},{"text":"That's it.","start":897.85504,"end":898.675,"sentiment":"neutral","sentiment_score":-0.18183327466249466},{"text":"I'm not sure.","start":918.825,"end":930.265,"sentiment":"neutral","sentiment_score":-0.2580340802669525}],"sentiment":"neutral","sentiment_score":-0.21538768605939274,"num_words":29,"start":888.71,"end":930.265},{"sentences":[{"text":"I haven't really thought about that.","start":930.265,"end":936.06,"sentiment":"neutral","sentiment_score":-0.24645822991927466},{"text":"What what do you mean by accessing this this super like?","start":936.06,"end":939.28,"sentiment":"neutral","sentiment_score":-0.16409669342366132},{"text":"Oh, I see.","start":982.5,"end":983.14,"sentiment":"neutral","sentiment_score":-0.06483366588751475},{"text":"So what is is that I didn't know how to say it.","start":983.14,"end":989.32,"sentiment":"neutral","sentiment_score":-0.0820122379809618},{"text":"Is that is that like so if if if if I don't even know how to spell it.","start":989.7,"end":996.03503,"sentiment":"neutral","sentiment_score":-0.10415469855070114}],"sentiment":"neutral","sentiment_score":-0.12674490869045257,"num_words":50,"start":930.265,"end":996.03503},{"sentences":[{"text":"So if if that was gonna happen like you just said, then there's a pay a pay out like what you just said.","start":998.735,"end":1010.27997,"sentiment":"neutral","sentiment_score":0.05320904776453972},{"text":"And and then there's like what is it like?","start":1011.38,"end":1015.0,"sentiment":"neutral","sentiment_score":0.01611392738090621},{"text":"A monthly or weekly or whatever it is payment, and that's that's the super, is it?","start":1016.58,"end":1022.175,"sentiment":"neutral","sentiment_score":0.0148341478779912},{"text":"Yep.","start":1032.815,"end":1033.315,"sentiment":"neutral","sentiment_score":0.1350213587284088},{"text":"Okay.","start":1102.025,"end":1102.525,"sentiment":"neutral","sentiment_score":0.08260989934206009}],"sentiment":"neutral","sentiment_score":0.03647622138261795,"num_words":50,"start":998.735,"end":1102.525},{"sentences":[{"text":"Well, whatever would happen, I I would want to be leaving some money in, like, the super like it is now.","start":1103.3049,"end":1113.39,"sentiment":"neutral","sentiment_score":0.05177005220736776},{"text":"Unless I unless I had to.","start":1117.77,"end":1119.37,"sentiment":"neutral","sentiment_score":-0.039531705901026726},{"text":"Yeah.","start":1119.37,"end":1119.61,"sentiment":"neutral","sentiment_score":0.0431801974773407},{"text":"But but but otherwise, I'd still want that there for for later on in life, I guess, if you know what I mean.","start":1119.61,"end":1129.565,"sentiment":"neutral","sentiment_score":0.0034734873991945515},{"text":"Yep.","start":1140.36,"end":1140.86,"sentiment":"neutral","sentiment_score":0.0241810604929924}],"sentiment":"neutral","sentiment_score":0.01917754479039174,"num_words":52,"start":1103.3049,"end":1140.86},{"sentences":[{"text":"Hello.","start":1158.43,"end":1158.93,"sentiment":"neutral","sentiment_score":-0.015127960592508316},{"text":"You mean a lot of high risk for But I I I don't understand what you mean, like, a high risk would be, like you mean, like, going back to work or not?","start":1188.64,"end":1212.035,"sentiment":"neutral","sentiment_score":-0.32000837587949},{"text":"Yep.","start":1278.345,"end":1278.845,"sentiment":"neutral","sentiment_score":-0.0316576212644577},{"text":"Okay.","start":1280.985,"end":1281.485,"sentiment":"neutral","sentiment_score":-0.003765385597944259},{"text":"Yeah.","start":1288.68,"end":1288.76,"sentiment":"neutral","sentiment_score":-0.05274870246648789}],"sentiment":"neutral","sentiment_score":-0.28820475875525864,"num_words":37,"start":1158.43,"end":1288.76},{"sentences":[{"text":"Probably a little bit more defensive.","start":1288.76,"end":1290.54,"sentiment":"neutral","sentiment_score":-0.05618147552013397},{"text":"Yeah.","start":1312.86,"end":1312.98,"sentiment":"neutral","sentiment_score":-0.09992649406194688},{"text":"Well, I would definitely be concerned, but I I wouldn't really know the right thing to do to yeah.","start":1312.98,"end":1320.62,"sentiment":"negative","sentiment_score":-0.37802396832328095},{"text":"A lot of this a lot of this stuff is over my head.","start":1320.62,"end":1323.5,"sentiment":"negative","sentiment_score":-0.42601378835164583},{"text":"Yep.","start":1323.5,"end":1324.0,"sentiment":"neutral","sentiment_score":-0.05937608331441879}],"sentiment":"neutral","sentiment_score":-0.33042565193027257,"num_words":40,"start":1288.76,"end":1324.0},{"sentences":[{"text":"I don't have a damn.","start":1325.82,"end":1326.86,"sentiment":"neutral","sentiment_score":-0.2652342677116394},{"text":"I never heard of it.","start":1326.86,"end":1327.84,"sentiment":"neutral","sentiment_score":-0.21837463080883027},{"text":"Yeah.","start":1358.465,"end":1358.865,"sentiment":"neutral","sentiment_score":0.18797510862350464},{"text":"Alright.","start":1358.865,"end":1359.365,"sentiment":"neutral","sentiment_score":0.29939207434654236},{"text":"Well, was I getting a bit 15%?","start":1381.015,"end":1384.155,"sentiment":"neutral","sentiment_score":0.058334476713623316}],"sentiment":"neutral","sentiment_score":-0.0801229459282599,"num_words":19,"start":1325.82,"end":1384.155},{"sentences":[{"text":"Okay.","start":1421.86,"end":1422.36,"sentiment":"neutral","sentiment_score":0.05100693181157112},{"text":"Yeah.","start":1443.315,"end":1443.815,"sentiment":"neutral","sentiment_score":0.026686349883675575},{"text":"No.","start":1455.65,"end":1456.15,"sentiment":"neutral","sentiment_score":-0.11038509011268616},{"text":"Yep.","start":1470.145,"end":1470.645,"sentiment":"neutral","sentiment_score":0.08318263292312622},{"text":"It did last one.","start":1482.0,"end":1492.625,"sentiment":"neutral","sentiment_score":-0.030442693270742893}],"sentiment":"neutral","sentiment_score":-0.008909993572160602,"num_words":8,"start":1421.86,"end":1492.625},{"sentences":[{"text":"Yep.","start":1492.845,"end":1493.345,"sentiment":"neutral","sentiment_score":0.05366457253694534},{"text":"Yep.","start":1519.975,"end":1520.475,"sentiment":"neutral","sentiment_score":0.07238274812698364},{"text":"No.","start":1528.63,"end":1529.03,"sentiment":"negative","sentiment_score":-0.5262261629104614},{"text":"I think obviously, things get worse than it's better to have that bit more defensive mode.","start":1529.03,"end":1535.29,"sentiment":"negative","sentiment_score":-0.600187236443162},{"text":"Yep.","start":1606.2101,"end":1606.7101,"sentiment":"neutral","sentiment_score":0.09520316123962402}],"sentiment":"negative","sentiment_score":-0.495398573204875,"num_words":20,"start":1492.845,"end":1606.7101},{"sentences":[{"text":"Yeah.","start":1621.665,"end":1621.905,"sentiment":"neutral","sentiment_score":0.04757958650588989},{"text":"I think so.","start":1621.905,"end":1622.7251,"sentiment":"neutral","sentiment_score":0.05964260051647822},{"text":"Yes.","start":1636.7999,"end":1637.2999,"sentiment":"neutral","sentiment_score":0.0500616654753685},{"text":"No.","start":1652.735,"end":1652.8949,"sentiment":"neutral","sentiment_score":-0.2959885597229004},{"text":"Not that I can think of right now.","start":1652.8949,"end":1654.65,"sentiment":"neutral","sentiment_score":-0.3091628700494766}],"sentiment":"neutral","sentiment_score":-0.17805160475628717,"num_words":14,"start":1621.665,"end":1654.65},{"sentences":[{"text":"Oh.","start":1660.41,"end":1660.91,"sentiment":"neutral","sentiment_score":0.0283792931586504},{"text":"Yep.","start":1672.275,"end":1672.775,"sentiment":"neutral","sentiment_score":0.1519649177789688},{"text":"Okay.","start":1673.075,"end":1673.575,"sentiment":"neutral","sentiment_score":0.24415042996406555}],"sentiment":"neutral","sentiment_score":0.14149821363389492,"num_words":3,"start":1660.41,"end":1673.575}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Darren speaking.\n\nChannel 0: Good afternoon, Darren. It's Carl calling from Financial. How are you today?\n\nChannel 1: I'm good. Yourself?\n\nChannel 0: Yeah. Not too bad at all, Darren. Thanks for asking. I've got you scheduled in for a bit of a a catch there. Is now a good time for you?\n\nChannel 1: Yes. Yes. I did have a a doctor's appointment in forty minutes, but I don't know how long this will take for.\n\nChannel 0: Okay. I'll try and make it quick for you there. Just to get started on that one, Darren, if I could just pass you secure with that name, date of birth, and current address, we can get stuck into that one.\n\nChannel 1: Yeah. '76.\n\nChannel 0: Yep.\n\nChannel 1: I I got it at my address.\n\nChannel 0: Yeah. Address. Yep.\n\nChannel 1: 1856 Stapleton Jacobsville Road, Jacobsville.\n\nChannel 0: Perfect. And just your your last name there. Thanks, Darren.\n\nChannel 1: And Heron, h e r o n.\n\nChannel 0: Perfect. Thank you for that. I'll just let you know these calls are recorded for quality and training purposes there as well.\n\nChannel 1: Sure.\n\nChannel 0: Now I know previously there was just a bit of a sort of trouble getting you back on the phone to present your advice. We had discussed looking at just if there's any changes we could make into that with you being back at work in regards to your superannuation and the insurances there. Also in regards to the the claim you were on previously and the the funds that would be coming out and confirming those. We did have that prepared for the back end of last year to be able to present that one. In terms of the advice itself, it was basically to maintain your current position given the insurances and maintaining those, given, you know, what was going on previously with your your knees and everything, and then looking at the investment itself and if that need changing.\n\nNow given the balance and everything there as well, we didn't actually look at making a change to the investments. We were more so looking at changing the investment menu that is a bit cheaper just to save you a little bit of money moving forward. Now in regards to that one, Darren, obviously, it has expired in terms of the advice. So what I can do there today is go through, confirm some details. Obviously, there's been a change with your employment and everything there.\n\nThat wouldn't have affected that advice piece in the sense of what we were recommending. Now within regards to that, though, obviously, that claim is separate through the claims department versus the advice. So if we update\n\nChannel 1: Yep.\n\nChannel 0: your details there today, we can look at getting you that advice piece still just with the disclaimers of you being not currently at work and just doing that quick update. And then from there, if you were to return to work and things like that or be on a longer term claim and sort of six to twelve months from now, then they could look at potentially making some additional changes, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that, I'll go through and confirm a few details there for you. So in regards to email, that's 2bluey2007@Hotmail.com? Perfect. Now as far as your occupation, you were doing the truck driving, but currently, you're not working at all?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. And then with that one there, are you on any sort of Centrelink at the moment?\n\nChannel 1: I'm in the process of trying to get that. It should be resolved by the end of this month or early into next month. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, like, it's it's in application at the moment.\n\nChannel 0: Yep. And then you're obviously going through the IP. You're trying to do the IP claim through here, so that's fine as well. Now as far as the income you did earn in the year, do you know roughly sort of how much you did earn before\n\nChannel 1: It's\n\nChannel 0: you stopped working again?\n\nChannel 1: no. Not a no. Yeah. We will get these from From from the twenty eighth of the first sorry. Hang on.\n\nI'm just looking at this, but the dates that makes the twenty second of the first to the twenty ninth of the first.\n\nChannel 0: So that was at your last pay slip before, like, your last pay that came through?\n\nChannel 1: No. I'm not sure about because it says year to date, $53,809.85. But but the date stay period twenty second of the first twenty sixth to the twenty eighth of the first twenty sixth payment. So that's just, like, showing one week. But\n\nChannel 0: Yeah. I was saying that'd be, like, sort of, like, the last sort of payroll week that they sort of finalized everything you did your your pay for.\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: Yeah. And then how much was it at 53,800 and\n\nChannel 1: Yeah. $9.85. That's saying the YCD.\n\nChannel 0: yep. Not a problem at all. And then as far as expenditure and savings goes at the moment, do you know roughly what your expenditures look like in terms of your outgoings?\n\nChannel 1: Lots.\n\nChannel 0: Yeah.\n\nChannel 1: Well, luckily, we got, like, loans to pay and fuel and food and but I I wouldn't have exact numbers for\n\nChannel 0: Yeah. Do you know just sort of as a rough estimate sort of what your your outgoing looks like at the moment?\n\nChannel 1: me right now. Give me one second. Daddy, is that yours? Can you get a second? Mhmm.\n\nI'll go ahead and see your question in a second.\n\nChannel 0: Yeah. No. That's perfectly fine.\n\nChannel 1: This is an an ID. Yeah. Would you like to repeat the question just so that Jody can listen?\n\nChannel 0: Yeah. No. That's fine. So just wondering in terms of, like, weekly outgoing expenditures, what those sort of bare minimum is for the bills and sort of outgoings.\n\nChannel 1: Probably about 800 to 1,000 a week.\n\nChannel 0: As a as a household.\n\nChannel 1: Yeah. Probably $8,800 a week maybe.\n\nChannel 0: Yep. Perfect. And then as far as assets liabilities now, I know a lot of it's in a trust structure. Do you know roughly the values of, like, the houses within the the trust\n\nChannel 1: We've\n\nChannel 0: at\n\nChannel 1: got\n\nChannel 0: the moment\n\nChannel 1: one\n\nChannel 0: or the cash?\n\nChannel 1: one box now, and it's well, we just need renovations, so I would say between one point two and one point five.\n\nChannel 0: And you said you got rid of the the other property?\n\nChannel 1: Yeah. We've only got the 1856 Claibleton.\n\nChannel 0: Yep. And then as far as the loan value left on that one, do you know what the loan is for that one at the moment?\n\nChannel 1: 440,000.\n\nChannel 0: Yep. And are there any other, like, cash holdings or investment accounts inside the trust at the moment?\n\nChannel 1: No. I did that.\n\nChannel 0: Just that one. Yep. And then as far as a consolidation loan, I know previously there was a loan for around 40,000. Is that loan, like, in the trust now, or is that still personal? Or\n\nChannel 1: No. That's perfect.\n\nChannel 0: yep. And do you know roughly how much is left on that one?\n\nChannel 1: It's it's in the 40 still. I'll tell you in a second.\n\nChannel 0: Yeah. No. That's perfectly fine. And have you still got the same car worth around the $2,000 mark?\n\nChannel 1: Yes.\n\nChannel 0: And just while you're you're doing that there, now I know from you speaking to Maddie there that you're having issues again post the the surgery with your your knees at the moment.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And then within regards to anything else, is there any other sort of injuries associated or otherwise that you're sort of going through or any medications that you're taking?\n\nChannel 1: I'm having issues with my my shoulders as well, but but not as bad as the problems I'm having with my knees. Just I should have had a shoulder reconstruction, like, three, four years ago, whatever it was. And I I get pain in there every now and then, but but, you know, like, it's becoming a bit more frequent and, you know,\n\nChannel 0: Yep. And then are you still going to the the physio, or did you stop that when you return to work?\n\nChannel 1: not a long time ago. Yeah. That's probably\n\nChannel 0: Yep. No. That's fine. And do you take any medication currently apart from, like, the occasional, like, pain relief?\n\nChannel 1: ages ago. The only medication I'll take is osteopinadol, which I stay on top of every day. So I take six tablets a day or two in the morning, lunchtime, and then not one. So I take the maximum dose levels every day, basically.\n\nChannel 0: Yep. Understandable. And then do you have private health insurance currently, Darren,\n\nChannel 1: No.\n\nChannel 0: or is\n\nChannel 1: No.\n\nChannel 0: it just\n\nChannel 1: No.\n\nChannel 0: yeah. That's fine. And I know the last time we spoke, you hadn't had a will or anything in place. Have you got around to your estate planning matters since we last spoke?\n\nChannel 1: No. Actually, no. I haven't.\n\nChannel 0: Yeah. That's okay. And these are a few just other random questions that they've added to the workbook since we last spoke, but you're not politically exposed at all or have any family in politics at the moment?\n\nChannel 1: No.\n\nChannel 0: Yep. And you're not a tax resident for any other sort of jurisdiction outside of Australia?\n\nChannel 1: No. What's\n\nChannel 0: A tax resident\n\nChannel 1: her?\n\nChannel 0: anywhere else but Australia?\n\nChannel 1: No. This is her.\n\nChannel 0: Yep. And have you ever declared bankruptcy or is that or any sort of part nine debt agreement apart from, like, obviously, setting up the consolidation loan?\n\nChannel 1: No.\n\nChannel 0: Yep. No. That's fine. And now I'm assuming your goals have changed a bit since we last spoke there. I know you wanted to look at sort of getting a new card out that you're working again and then sort\n\nChannel 1: Yeah.\n\nChannel 0: of paying down the debts and things like that. But\n\nChannel 1: That's right.\n\nChannel 0: is it\n\nChannel 1: Yep.\n\nChannel 0: mainly sort of focused on your health again and making sure that's up to scratch?\n\nChannel 1: Yeah. Exactly. Yep.\n\nChannel 0: Yep. And then as far as anything else, is there anything else that you're trying to achieve in the next sort of three to five years there apart from sort of getting back on track there?\n\nChannel 1: That's actually just like you said, it's just getting back on track. Just trying to make sure that I've got everything covered so that my kids don't suffer in any way for, you know, due to money reasons or anything that can affect them\n\nChannel 0: Yeah.\n\nChannel 1: in that\n\nChannel 0: No.\n\nChannel 1: regard.\n\nChannel 0: Completely completely understand that. As far as, obviously, the advice piece there, it was quite limited in scope anyway to the estate planning and just the review of your superannuation. And given how you're not working there currently, I it's not probably in your best interest to look at sort of changing things currently given the investment that you're currently in and the cost you do pay for that one versus doing an update.\n\nChannel 1: Right.\n\nChannel 0: We'll obviously still have a quick look at that, but then also have a look at the the menu switch, like I said, to save you a little bit of ongoing cost in your superannuation to sign, still get some growth out of it while you sort of, you know, still paying those insurance premiums and not working.\n\nChannel 1: Yep.\n\nChannel 0: And I will just quickly go over a risk profile just to ensure that that is in line still with what you're currently invested in. Now I know you've answered these previously there, Darren, but I'll just go through them again. So within regards to investments, have you ever invested in direct shares previously?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: was\n\nChannel 0: fine.\n\nChannel 1: never invested in anything. The the only thing which would have been done is anything that's done through my super. That's it.\n\nChannel 0: Yeah. That that managed fund through super. Yeah. No. Completely understandable.\n\nAnd then in regards to your superannuation, if sort of you're unable to get on on claim and things like that or do end up totally permanently disabled to where the point you can't work again, would you look at accessing your super funds, or would you mainly\n\nChannel 1: I'm\n\nChannel 0: just look at the insurances that you would be able to claim on and utilizing those funds? You don't plan on sort of accessing the money in super\n\nChannel 1: not\n\nChannel 0: just\n\nChannel 1: sure. I haven't really thought\n\nChannel 0: yet?\n\nChannel 1: about\n\nChannel 0: Hasn't crossed your mind?\n\nChannel 1: that. What what do you mean by accessing this this super like?\n\nChannel 0: So if you were to sort of, like, either end up on an IP claim or be, you know, considered totally permanently disabled by a doctor and a specialist to where you could, you know, get a payout in regards to, like, insurance with the the IP. You can, when you're TPD, also use TPD to access your super funds early as opposed to waiting to the age of 60. Now in regards to that one, obviously, that makes a difference in sort of if you were looking to take the funds out and what level of risk you do take on versus sort of leaving it there and not accessing it, if that makes sense.\n\nChannel 1: Oh, I see. So what is is that I didn't know how to say it. Is that is that like so if if if if I don't even know how to spell it.\n\nChannel 0: Yeah. No. That's fine.\n\nChannel 1: So if if that was gonna happen like you just said,\n\nChannel 0: Yep.\n\nChannel 1: then there's a pay a pay out like what you just said. And and then there's like what is it like? A monthly or weekly or whatever it is payment, and that's that's the super, is it?\n\nChannel 0: So the way that your insurances are structured, so you do have income protection life and total permanent disability at the moment in terms of your insurance cover that you hold.\n\nChannel 1: Yep.\n\nChannel 0: Now you can also claim on income protection, but then you can also claim on total permanent disability should you be deemed that by the doctors and meet that condition of release as well, which means that in addition to, like, your income protection, you can get the lump sum payment of the total permanent disability. Now because it's owned through superannuation, it basically gets paid to your super, and then you have to apply to trustee of the super fund to be considered totally permanently disabled again as opposed to the insurer. You've gotta do it with the trustee with the superannuation fund as well to be able to access the release of those funds. And then from there, you could sort of either, like, you know, take the whole lot. You can take it in sort of portions.\n\nYou can create some sort of, like, pension drawdown that you're sort of looking to do, and there's different ways to structure that and things like that as well. But within that as well, you do have your superannuation balance. And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Well,\n\nChannel 0: But\n\nChannel 1: whatever\n\nChannel 0: what's that?\n\nChannel 1: would happen, I I would want to be leaving some money in, like, the super like it is now.\n\nChannel 0: Yeah. You wouldn't sort of take it out unless you you had to sort of thing in terms of,\n\nChannel 1: Unless\n\nChannel 0: like, costs.\n\nChannel 1: I unless I had to. Yeah. But but but otherwise, I'd still want that there for for later on in life, I guess, if you know what I mean.\n\nChannel 0: Yeah. And, obviously, at the moment, your insurance costs are quite high. But, obviously, with in regards to your current sort of health conditions with your knees and your shoulders and things like that as well, there\n\nChannel 1: Yep.\n\nChannel 0: wasn't sort of a reason to decrease those now even with the higher cost because the likelihood of a claim, which is why with that original main recommendation, we go we're gonna keep it the same. Even though it is a high cost and it does sort of eat away your super balance, it just sort of gives you that level of protection still. And\n\nChannel 1: Hello.\n\nChannel 0: then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not. But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward?\n\nChannel 1: You mean a lot of high risk for\n\nChannel 0: Higher rewards or, like, higher risk for higher returns? Or would you consider yourself a little bit more moderate?\n\nChannel 1: But I I I don't understand what you mean, like, a high risk would be, like you mean, like,\n\nChannel 0: Second.\n\nChannel 1: going back to work or not?\n\nChannel 0: So in terms of, like, risk in your superannuation, currently, you're in a high growth, which is, like, 90% growth as it's about 10% defensive. So with that, that 90% growth has things like international shares, direct shares, those sort of things that carry a lot more risk in terms of, like, the value that that can drop and rise and that, like, volatility that it carries and how that's going to perform. Now, obviously, over a longer term, having those growth assets, they do get more capital growth as opposed to, like, having, you know, fixed interest cash in the bank as a defensive asset or bonds and things like that that do provide, obviously, like, a steady sort of growth or income in regards to your super, but you don't get the kind of capital growth you get out of those more aggressive assets. So you need to take on some more risk to get that capital growth and the dividends and income from that as opposed to just sitting in, like, cash. So when you take on that more risk, the likelihood of you getting higher returns or at least position yourself to get higher returns increases, but then also they can dip quite considerably to kind of what's happening at the moment with the war in Iran and everything.\n\nChannel 1: Yep.\n\nChannel 0: So would\n\nChannel 1: Okay.\n\nChannel 0: you think you sort of still wanna maintain a higher level of risk in your super, or you feel like it wants you wanna be a bit more defensive?\n\nChannel 1: Yeah. Probably a little bit more defensive.\n\nChannel 0: Yep. And then how would you feel six months after investing if you found out your portfolio did decrease by sort of 20% if, like, the war continues and your portfolio drops, would that sort of make you a little bit concerned? Would you sort of hold and wait for it to sort of come back and improve? Or\n\nChannel 1: Yeah. Well, I would definitely be concerned, but I I wouldn't really know the right thing to do to yeah. A lot of this a lot of this stuff is over my head. Yep.\n\nChannel 0: yeah. No. Under understandable.\n\nChannel 1: I don't have a damn. I never heard of it.\n\nChannel 0: Yeah. Obviously, when super does take a bit of a drop there, if you were to sell it, you kind of crystallize those losses as opposed to if you remain investment and wait for that time for it to cut recover, then you sort of still hold that investment. You're not trying to time the market. It just means that you've only made a paper loss until a point you do sell. So if you were to sort of hold and wait and sort of hope for the recover, then you sort of put yourself in a less risky position as opposed to trying to sell and then reenter the market and sort of crystallizing losses and those sort of things.\n\nYep.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: And in terms of, like, returns, because obviously if you take a little less risk, you're not sort of gonna get those higher returns. Do you think if you're getting sort of six to 8% per annum, you'd be sort of happy with that as a return if that's what you were getting being in a slightly less risky portfolio.\n\nChannel 1: Well, was I getting a bit 15%?\n\nChannel 0: So at the moment, it's sitting before phase around 6.14 for the last twelve months, I believe, and that's purely just because of, like, what has occurred for the back end of the year. It obviously had a good start to the sort of year minus the tariff talk from Trump. And then sort of the back end of the start of this year, it's taken a bit of a dive just with what has happened. It was sitting up around, I think, the 14% even at one point before what did occur. Sort of around since February, it's gone from, like, 14% down to the 6.4% just for what did occur.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. But that's not to say that it won't sort of rebound once sort of things settle down. It just means that the time being, it has taken a bit of a a dip from what the markets are experiencing, which isn't just that, like, specific to you. It's in regards to, like, the industry as a whole and the market as a whole are taking a bit of a dive.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions regarding that, Daryl? Oh, Dan. Sorry.\n\nChannel 1: No.\n\nChannel 0: Yeah. No. That's okay. Obviously, within regards to that, so it does bring you out as a growth investor, which is about an eighty twenty split as opposed to the ninety ten split that you're currently in. Now\n\nChannel 1: Yep.\n\nChannel 0: given that you're currently not working, and I'm not too sure if you did get an the income protection claim, if it does pay from memory. I can't remember if it pays into super as well. I'll just\n\nChannel 1: It\n\nChannel 0: see\n\nChannel 1: did\n\nChannel 0: if it\n\nChannel 1: last\n\nChannel 0: yeah. Okay. So it does have the retirement protection as well. But in saying that, it would be slightly less than probably what you'd be getting if you were working full time. But\n\nChannel 1: one.\n\nChannel 0: in saying that\n\nChannel 1: Yep.\n\nChannel 0: so if you were to lower it from, like, a high growth down to a growth, you'd be sort of sitting from, like, around that ninety ten potential split to around a sort of eighty twenty, which would mean that your likelihood to get those high returns would potentially decrease a little bit because you have more defensive assets than the your previous portfolio, but it also means you're slightly more defensive, which should protect you a little bit more when it does have those market downturns. Or\n\nChannel 1: Yep.\n\nChannel 0: given that, do you think that you'd sort of still wanna stay in the high growth, or do you feel like growth more aligns with where you're at at the moment?\n\nChannel 1: No. I think obviously, things get worse than it's better to have that bit more defensive mode.\n\nChannel 0: Yep. And then with that, if you sort of were to stay on claim for a considerable amount of time, you are getting some contributions, but at least then it's not in the because generally, a high growth portfolio is going to cost a little bit more as well as opposed to maybe a growth. But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one. Because when selling the investments and training to another one, given that you're all currently in just like the one Mercer core series passive high growth fund, selling that might look to realize, a certain amount of capital gains, so we'll take that into account. And then I'll also go and have a check with the Mercer core series passive high growth, how much is actually defensive versus the high growth there, and have a look at all that for you.\n\nBecause if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah. Because obviously with that giving you you've got that around the 80,000, if you do pay a few thousand of that to just switch investments, it can sort of be a bit of a hit as opposed to remaining invested. And then\n\nChannel 1: Yes.\n\nChannel 0: depending where the the other funds are at as well. But I'll make a note of it. We'll have a look and see what's sort of in your best interest there. But do you have any questions for me, Darren, in regards to that at all? Or\n\nChannel 1: No. Not that I can think of right now.\n\nChannel 0: yeah. No. It's not a problem at all. We'll look to try and get that reupdated there for you\n\nChannel 1: Oh.\n\nChannel 0: and get that advice piece sorted. And then from there, obviously, you'll be dealing with the the case management department in regards to the IP claim and trying to to get back on that.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Not a problem at all. If you do have any questions, feel free to just reach out and ask them and or get booked back in to have a discussion as well there for you, Darren. No problem. Well, sorry to take up so much of your time there, but enjoy the rest of your day. And good luck at your doctor's appointment.\n\nThanks. Alright. You enjoy the rest of your day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04615437239408493},{"text":"Darren speaking.","start":1.8399999,"end":2.82,"sentiment":"neutral","sentiment_score":0.04576302692294121}],"sentiment":"neutral","sentiment_score":0.04589347541332245,"channel":1,"num_words":3,"start":1.4399999,"end":2.82},{"sentences":[{"text":"Good afternoon, Darren.","start":3.52,"end":4.3199997,"sentiment":"positive","sentiment_score":0.4515899419784546},{"text":"It's Carl calling from Financial.","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.2685050815343857},{"text":"How are you today?","start":5.7599998,"end":6.66,"sentiment":"neutral","sentiment_score":0.2914794906973839}],"sentiment":"neutral","sentiment_score":0.32193443303306896,"channel":0,"num_words":12,"start":3.52,"end":6.66},{"sentences":[{"text":"I'm good.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.49115727841854095},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.29128706455230713}],"sentiment":"positive","sentiment_score":0.424533873796463,"channel":1,"num_words":3,"start":6.64,"end":7.7},{"sentences":[{"text":"Yeah.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.2623295783996582},{"text":"Not too bad at all, Darren.","start":8.32,"end":9.36,"sentiment":"neutral","sentiment_score":0.30489454915126163},{"text":"Thanks for asking.","start":9.36,"end":10.34,"sentiment":"positive","sentiment_score":0.6498296856880188},{"text":"I've got you scheduled in for a bit of a a catch there.","start":10.48,"end":13.065001,"sentiment":"positive","sentiment_score":0.3662977975148421},{"text":"Is now a good time for you?","start":13.065001,"end":14.365,"sentiment":"positive","sentiment_score":0.34161052107810974}],"sentiment":"positive","sentiment_score":0.3731443648537,"channel":0,"num_words":30,"start":8.0,"end":14.365},{"sentences":[{"text":"Yes.","start":15.085,"end":15.405,"sentiment":"neutral","sentiment_score":0.13143818080425262},{"text":"Yes.","start":15.405,"end":15.905,"sentiment":"neutral","sentiment_score":0.10843034833669662},{"text":"I did have a a doctor's appointment in forty minutes, but I don't know how long this will take for.","start":16.125,"end":21.345,"sentiment":"neutral","sentiment_score":0.029727177880704402}],"sentiment":"neutral","sentiment_score":0.037927822125228966,"channel":1,"num_words":22,"start":15.085,"end":21.345},{"sentences":[{"text":"Okay.","start":21.785,"end":22.185001,"sentiment":"neutral","sentiment_score":0.15298578143119812},{"text":"I'll try and make it quick for you there.","start":22.185001,"end":24.36,"sentiment":"neutral","sentiment_score":0.24381625155607858},{"text":"Just to get started on that one, Darren, if I could just pass you secure with that name, date of birth, and current address, we can get stuck into that 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Jacobsville.","start":40.355,"end":44.214996,"sentiment":"neutral","sentiment_score":0.021581724286079407}],"sentiment":"neutral","sentiment_score":0.021581724286079407,"channel":1,"num_words":5,"start":40.355,"end":44.214996},{"sentences":[{"text":"Perfect.","start":45.495,"end":45.995,"sentiment":"neutral","sentiment_score":0.27159538865089417},{"text":"And just your your last name there.","start":46.695,"end":48.215,"sentiment":"neutral","sentiment_score":0.16679285040923528},{"text":"Thanks, Darren.","start":48.215,"end":48.9,"sentiment":"neutral","sentiment_score":0.3067439943552017}],"sentiment":"neutral","sentiment_score":0.20526333302259445,"channel":0,"num_words":10,"start":45.495,"end":48.9},{"sentences":[{"text":"And Heron, h e r o n.","start":49.074997,"end":50.88,"sentiment":"neutral","sentiment_score":0.12820935994386673}],"sentiment":"neutral","sentiment_score":0.12820935994386673,"channel":1,"num_words":7,"start":49.074997,"end":50.88},{"sentences":[{"text":"Perfect.","start":51.460003,"end":51.780003,"sentiment":"positive","sentiment_score":0.393395870923996},{"text":"Thank you for that.","start":51.780003,"end":52.420002,"sentiment":"positive","sentiment_score":0.5112922042608261},{"text":"I'll just let you know these calls are recorded for quality and training purposes there as well.","start":52.420002,"end":56.120003,"sentiment":"neutral","sentiment_score":0.20402309912092545}],"sentiment":"neutral","sentiment_score":0.26849806241013785,"channel":0,"num_words":22,"start":51.460003,"end":56.120003},{"sentences":[{"text":"Sure.","start":56.24,"end":56.74,"sentiment":"neutral","sentiment_score":0.05472137778997421}],"sentiment":"neutral","sentiment_score":0.05472137778997421,"channel":1,"num_words":1,"start":56.24,"end":56.74},{"sentences":[{"text":"Now I know previously there was just a bit of a sort of trouble getting you back on the phone to present your advice.","start":58.260002,"end":65.615,"sentiment":"neutral","sentiment_score":-0.14878888428211212},{"text":"We had discussed looking at just if there's any changes we could make into that with you being back at work in regards to your superannuation and the insurances there.","start":65.615,"end":75.795,"sentiment":"neutral","sentiment_score":-0.08600235208868981},{"text":"Also in regards to the the claim you were on previously and the the funds that would be coming out and confirming those.","start":76.85,"end":82.47,"sentiment":"neutral","sentiment_score":-0.06428390514591466},{"text":"We did have that prepared for the back end of last year to be able to present that one.","start":83.17,"end":87.57,"sentiment":"neutral","sentiment_score":0.008990548943218431},{"text":"In terms of the advice itself, it was basically to maintain your current position given the insurances and maintaining those, given, you know, what was going on previously with your your knees and everything, and then looking at the investment itself and if that need changing.","start":87.57,"end":103.835,"sentiment":"neutral","sentiment_score":-0.03877122457260671}],"sentiment":"neutral","sentiment_score":-0.06508584157891677,"channel":0,"num_words":142,"start":58.260002,"end":103.835},{"sentences":[{"text":"Now given the balance and everything there as well, we didn't actually look at making a change to the investments.","start":103.895,"end":110.06,"sentiment":"neutral","sentiment_score":-0.09757176134735346},{"text":"We were more so looking at changing the investment menu that is a bit cheaper just to save you a little bit of money moving forward.","start":110.06,"end":116.72,"sentiment":"neutral","sentiment_score":0.014469677582383156},{"text":"Now in regards to that one, Darren, obviously, it has expired in terms of the advice.","start":118.575,"end":122.735,"sentiment":"neutral","sentiment_score":-0.05732683127280325},{"text":"So what I can do there today is go through, confirm some details.","start":122.735,"end":126.915,"sentiment":"neutral","sentiment_score":0.009401098180275697},{"text":"Obviously, there's been a change with your employment and everything 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no.","start":229.10501,"end":230.24501,"sentiment":"neutral","sentiment_score":-0.08696956684192021},{"text":"Yeah.","start":249.06499,"end":249.305,"sentiment":"neutral","sentiment_score":-0.02022494375705719},{"text":"We will get these from From from the twenty eighth of the first sorry.","start":249.305,"end":268.91,"sentiment":"neutral","sentiment_score":-0.012060697456555707},{"text":"Hang on.","start":268.91,"end":270.28998,"sentiment":"neutral","sentiment_score":-0.018951481208205223}],"sentiment":"neutral","sentiment_score":-0.027194398233578318,"channel":1,"num_words":21,"start":228.785,"end":270.28998},{"sentences":[{"text":"I'm just looking at this, but the dates that makes the twenty second of the first to the twenty ninth of the 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do you know roughly what your expenditures look like in terms of your outgoings?","start":351.415,"end":359.995,"sentiment":"neutral","sentiment_score":0.03848919444359266}],"sentiment":"neutral","sentiment_score":0.07884493004530668,"channel":0,"num_words":32,"start":348.82,"end":359.995},{"sentences":[{"text":"Lots.","start":363.96503,"end":364.46503,"sentiment":"neutral","sentiment_score":0.034065358340740204}],"sentiment":"neutral","sentiment_score":0.034065358340740204,"channel":1,"num_words":1,"start":363.96503,"end":364.46503},{"sentences":[{"text":"Yeah.","start":365.50998,"end":366.00998,"sentiment":"neutral","sentiment_score":0.0427352711558342}],"sentiment":"neutral","sentiment_score":0.0427352711558342,"channel":0,"num_words":1,"start":365.50998,"end":366.00998},{"sentences":[{"text":"Well, luckily, we got, like, loans to pay and fuel and food and but I I wouldn't have exact numbers for","start":367.86,"end":382.86502,"sentiment":"neutral","sentiment_score":0.020357453397342136}],"sentiment":"neutral","sentiment_score":0.020357453397342136,"channel":1,"num_words":21,"start":367.86,"end":382.86502},{"sentences":[{"text":"Yeah.","start":384.005,"end":384.245,"sentiment":"neutral","sentiment_score":0.001052042469382286},{"text":"Do you know just sort of as a rough estimate sort of what your your outgoing looks like at the moment?","start":384.245,"end":388.505,"sentiment":"neutral","sentiment_score":-0.008966481845293726}],"sentiment":"neutral","sentiment_score":-0.008511094376444817,"channel":0,"num_words":22,"start":384.005,"end":388.505},{"sentences":[{"text":"me right now.","start":389.965,"end":393.405,"sentiment":"neutral","sentiment_score":-0.01743398855129878},{"text":"Give me one second.","start":393.405,"end":394.84,"sentiment":"neutral","sentiment_score":-0.012104796711355448},{"text":"Daddy, is that yours?","start":395.46002,"end":396.68002,"sentiment":"neutral","sentiment_score":-0.002922923013102263},{"text":"Can you get a second?","start":397.78,"end":398.92,"sentiment":"neutral","sentiment_score":-0.010838745348155498},{"text":"Mhmm.","start":406.275,"end":406.775,"sentiment":"neutral","sentiment_score":0.005566388368606567}],"sentiment":"neutral","sentiment_score":-0.009472951936699888,"channel":1,"num_words":17,"start":389.965,"end":406.775},{"sentences":[{"text":"I'll go ahead and see your question in a second.","start":413.07498,"end":415.255,"sentiment":"neutral","sentiment_score":0.015897748805582524}],"sentiment":"neutral","sentiment_score":0.015897748805582524,"channel":1,"num_words":10,"start":413.07498,"end":415.255},{"sentences":[{"text":"Yeah.","start":416.16998,"end":416.25,"sentiment":"neutral","sentiment_score":0.02033420465886593},{"text":"No.","start":416.25,"end":416.41,"sentiment":"neutral","sentiment_score":0.008394315838813782},{"text":"That's perfectly fine.","start":416.41,"end":417.71,"sentiment":"neutral","sentiment_score":0.13431991388400397}],"sentiment":"neutral","sentiment_score":0.08633765242993832,"channel":0,"num_words":5,"start":416.16998,"end":417.71},{"sentences":[{"text":"This is an an ID.","start":417.475,"end":420.13498,"sentiment":"neutral","sentiment_score":0.076850263774395},{"text":"Yeah.","start":420.275,"end":420.48,"sentiment":"neutral","sentiment_score":0.04945889860391617},{"text":"Would you like to repeat the question just so that Jody can listen?","start":421.44,"end":424.98,"sentiment":"neutral","sentiment_score":0.04472346159701164}],"sentiment":"neutral","sentiment_score":0.05342711674931802,"channel":1,"num_words":19,"start":417.475,"end":424.98},{"sentences":[{"text":"Yeah.","start":425.545,"end":425.86502,"sentiment":"neutral","sentiment_score":0.030404621735215187},{"text":"No.","start":425.86502,"end":426.105,"sentiment":"neutral","sentiment_score":0.017660684883594513},{"text":"That's fine.","start":426.105,"end":426.665,"sentiment":"neutral","sentiment_score":0.0899655856192112},{"text":"So just wondering in terms of, like, weekly outgoing expenditures, what those sort of bare minimum is for the bills and sort of outgoings.","start":426.665,"end":434.36502,"sentiment":"neutral","sentiment_score":0.03142541561586162}],"sentiment":"neutral","sentiment_score":0.03507880187992539,"channel":0,"num_words":28,"start":425.545,"end":434.36502},{"sentences":[{"text":"Probably about 800 to 1,000 a week.","start":439.465,"end":442.525,"sentiment":"neutral","sentiment_score":0.00963337134037699}],"sentiment":"neutral","sentiment_score":0.00963337134037699,"channel":1,"num_words":7,"start":439.465,"end":442.525},{"sentences":[{"text":"As a as a 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scratch?","start":786.34503,"end":790.60504,"sentiment":"neutral","sentiment_score":0.14765687088171642}],"sentiment":"neutral","sentiment_score":0.14765687088171642,"channel":0,"num_words":15,"start":786.34503,"end":790.60504},{"sentences":[{"text":"Yeah.","start":791.305,"end":791.625,"sentiment":"neutral","sentiment_score":0.12033574283123016},{"text":"Exactly.","start":791.625,"end":792.125,"sentiment":"neutral","sentiment_score":0.17227649688720703},{"text":"Yep.","start":792.185,"end":792.685,"sentiment":"neutral","sentiment_score":0.17507217824459076}],"sentiment":"neutral","sentiment_score":0.155894805987676,"channel":1,"num_words":3,"start":791.305,"end":792.685},{"sentences":[{"text":"Yep.","start":795.13,"end":795.63,"sentiment":"neutral","sentiment_score":0.1862456053495407},{"text":"And then as far as anything else, is there anything else that you're trying to achieve in the next sort of three to five years there apart from sort of getting back on track there?","start":795.77,"end":804.585,"sentiment":"neutral","sentiment_score":0.10737162487847464}],"sentiment":"neutral","sentiment_score":0.1095625687804487,"channel":0,"num_words":36,"start":795.13,"end":804.585},{"sentences":[{"text":"That's actually just like you said, it's just getting back on track.","start":805.95996,"end":809.1,"sentiment":"neutral","sentiment_score":0.12628984078764915},{"text":"Just trying to make sure that I've got everything covered so that my kids don't suffer in any way for, you know, due to money reasons or anything that can affect them","start":812.055,"end":823.835,"sentiment":"neutral","sentiment_score":-0.041715075727552176}],"sentiment":"neutral","sentiment_score":0.004104446958411823,"channel":1,"num_words":44,"start":805.95996,"end":823.835},{"sentences":[{"text":"Yeah.","start":825.72,"end":826.04,"sentiment":"neutral","sentiment_score":0.0059555768966674805}],"sentiment":"neutral","sentiment_score":0.0059555768966674805,"channel":0,"num_words":1,"start":825.72,"end":826.04},{"sentences":[{"text":"in 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superannuation.","start":829.94495,"end":838.125,"sentiment":"negative","sentiment_score":-0.36261122902998555},{"text":"And given how you're not working there currently, I it's not probably in your best interest to look at sort of changing things currently given the investment that you're currently in and the cost you do pay for that one versus doing an update.","start":838.50494,"end":850.82,"sentiment":"negative","sentiment_score":-0.4628532383252274}],"sentiment":"negative","sentiment_score":-0.4002339206635952,"channel":0,"num_words":74,"start":826.27997,"end":850.82},{"sentences":[{"text":"Right.","start":851.635,"end":851.85,"sentiment":"neutral","sentiment_score":-0.05604130029678345}],"sentiment":"neutral","sentiment_score":-0.05604130029678345,"channel":1,"num_words":1,"start":851.635,"end":851.85},{"sentences":[{"text":"We'll obviously still have a quick look at that, but then also have a look at the the menu switch, like I said, to save you a little bit of ongoing cost in your superannuation to sign, still get some growth out of it while you sort of, you know, still paying those insurance premiums and not working.","start":851.68,"end":866.795,"sentiment":"neutral","sentiment_score":0.1050883661955595}],"sentiment":"neutral","sentiment_score":0.1050883661955595,"channel":0,"num_words":58,"start":851.68,"end":866.795},{"sentences":[{"text":"Yep.","start":867.65497,"end":868.15497,"sentiment":"neutral","sentiment_score":0.11831872165203094}],"sentiment":"neutral","sentiment_score":0.11831872165203094,"channel":1,"num_words":1,"start":867.65497,"end":868.15497},{"sentences":[{"text":"And I will just quickly go over a risk profile just to ensure that that is in line still with what you're currently invested in.","start":869.57495,"end":878.53,"sentiment":"neutral","sentiment_score":0.09330599904060363},{"text":"Now I know you've answered these previously there, Darren, but I'll just go through them again.","start":879.07,"end":884.03,"sentiment":"neutral","sentiment_score":0.03581156302243471},{"text":"So within regards to investments, have you ever invested in direct shares 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mainly","start":903.71,"end":918.895,"sentiment":"neutral","sentiment_score":-0.3115140140677492}],"sentiment":"neutral","sentiment_score":-0.3115140140677492,"channel":0,"num_words":48,"start":903.71,"end":918.895},{"sentences":[{"text":"I'm","start":918.825,"end":919.325,"sentiment":"neutral","sentiment_score":-0.10553765296936037}],"sentiment":"neutral","sentiment_score":-0.10553765296936037,"channel":1,"num_words":1,"start":918.825,"end":919.325},{"sentences":[{"text":"just look at the insurances that you would be able to claim on and utilizing those funds?","start":918.895,"end":922.895,"sentiment":"neutral","sentiment_score":-0.05774100782240138},{"text":"You don't plan on sort of accessing the money in 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of,","start":1114.39,"end":1117.83,"sentiment":"neutral","sentiment_score":-0.02666137693449855}],"sentiment":"neutral","sentiment_score":-0.022293804262421633,"channel":0,"num_words":19,"start":1114.23,"end":1117.83},{"sentences":[{"text":"Unless","start":1117.77,"end":1118.1699,"sentiment":"neutral","sentiment_score":-0.07448196411132812}],"sentiment":"neutral","sentiment_score":-0.07448196411132812,"channel":1,"num_words":1,"start":1117.77,"end":1118.1699},{"sentences":[{"text":"like, costs.","start":1117.83,"end":1118.57,"sentiment":"neutral","sentiment_score":-0.10368876159191132}],"sentiment":"neutral","sentiment_score":-0.10368876159191132,"channel":0,"num_words":2,"start":1117.83,"end":1118.57},{"sentences":[{"text":"I unless I had to.","start":1118.1699,"end":1119.37,"sentiment":"neutral","sentiment_score":-0.03254165425896645},{"text":"Yeah.","start":1119.37,"end":1119.61,"sentiment":"neutral","sentiment_score":0.0431801974773407},{"text":"But but but otherwise, I'd still want that there for for later on in life, I guess, if you know what I mean.","start":1119.61,"end":1129.565,"sentiment":"neutral","sentiment_score":0.0034734873991945515}],"sentiment":"neutral","sentiment_score":-0.0013668228840005808,"channel":1,"num_words":29,"start":1118.1699,"end":1129.565},{"sentences":[{"text":"Yeah.","start":1130.405,"end":1130.725,"sentiment":"neutral","sentiment_score":-0.0516853928565979},{"text":"And, obviously, at the moment, your insurance costs are quite high.","start":1130.725,"end":1134.085,"sentiment":"neutral","sentiment_score":-0.25027292695912445},{"text":"But, obviously, with in regards to your current sort of health conditions with your knees and your shoulders and things like that as well, there","start":1134.085,"end":1140.4,"sentiment":"neutral","sentiment_score":-0.07315889716148377}],"sentiment":"neutral","sentiment_score":-0.1252340545525422,"channel":0,"num_words":37,"start":1130.405,"end":1140.4},{"sentences":[{"text":"Yep.","start":1140.36,"end":1140.86,"sentiment":"neutral","sentiment_score":0.0241810604929924}],"sentiment":"neutral","sentiment_score":0.0241810604929924,"channel":1,"num_words":1,"start":1140.36,"end":1140.86},{"sentences":[{"text":"wasn't sort of a reason to decrease those now even with the higher cost because the likelihood of a claim, which is why with that original main recommendation, we go we're gonna keep it the same.","start":1140.4,"end":1151.385,"sentiment":"neutral","sentiment_score":-0.08373985915548271},{"text":"Even though it is a high cost and it does sort of eat away your super balance, it just sort of gives you that level of protection still.","start":1151.9451,"end":1157.5651,"sentiment":"neutral","sentiment_score":-0.20358725557369844},{"text":"And","start":1158.425,"end":1158.585,"sentiment":"neutral","sentiment_score":-0.04270804673433304}],"sentiment":"neutral","sentiment_score":-0.1347351712676195,"channel":0,"num_words":65,"start":1140.4,"end":1158.585},{"sentences":[{"text":"Hello.","start":1158.43,"end":1158.93,"sentiment":"neutral","sentiment_score":-0.015127960592508316}],"sentiment":"neutral","sentiment_score":-0.015127960592508316,"channel":1,"num_words":1,"start":1158.43,"end":1158.93},{"sentences":[{"text":"then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not.","start":1158.585,"end":1170.61,"sentiment":"neutral","sentiment_score":0.011230152013689973},{"text":"But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward?","start":1175.3899,"end":1184.3551,"sentiment":"neutral","sentiment_score":-0.2099117346935802}],"sentiment":"neutral","sentiment_score":-0.08954336597949644,"channel":0,"num_words":79,"start":1158.585,"end":1184.3551},{"sentences":[{"text":"You mean a lot of high risk for","start":1188.64,"end":1191.2999,"sentiment":"neutral","sentiment_score":-0.24340892396867275}],"sentiment":"neutral","sentiment_score":-0.24340892396867275,"channel":1,"num_words":8,"start":1188.64,"end":1191.2999},{"sentences":[{"text":"Higher rewards or, like, higher risk for higher returns?","start":1192.175,"end":1194.755,"sentiment":"neutral","sentiment_score":-0.21249818139606053},{"text":"Or would you consider yourself a little bit more moderate?","start":1198.71,"end":1200.97,"sentiment":"neutral","sentiment_score":-0.036350589245557785}],"sentiment":"neutral","sentiment_score":-0.11978892236948013,"channel":0,"num_words":19,"start":1192.175,"end":1200.97},{"sentences":[{"text":"But I I I don't understand what you mean, like, a high risk would be, like you mean, like,","start":1204.335,"end":1210.495,"sentiment":"negative","sentiment_score":-0.3923690091622503}],"sentiment":"negative","sentiment_score":-0.3923690091622503,"channel":1,"num_words":19,"start":1204.335,"end":1210.495},{"sentences":[{"text":"Second.","start":1210.325,"end":1210.825,"sentiment":"neutral","sentiment_score":-0.2157931625843048}],"sentiment":"neutral","sentiment_score":-0.2157931625843048,"channel":0,"num_words":1,"start":1210.325,"end":1210.825},{"sentences":[{"text":"going back to work or not?","start":1210.495,"end":1212.035,"sentiment":"neutral","sentiment_score":-0.19299897303183874}],"sentiment":"neutral","sentiment_score":-0.19299897303183874,"channel":1,"num_words":6,"start":1210.495,"end":1212.035},{"sentences":[{"text":"So in terms of, like, risk in your superannuation, currently, you're in a high growth, which is, like, 90% growth as it's about 10% defensive.","start":1212.405,"end":1219.225,"sentiment":"neutral","sentiment_score":-0.15832566529512404},{"text":"So with that, that 90% growth has things like international shares, direct shares, those sort of things that carry a lot more risk in terms of, like, the value that that can drop and rise and that, like, volatility that it carries and how that's going to perform.","start":1219.59,"end":1233.2899,"sentiment":"neutral","sentiment_score":-0.29947831605871517},{"text":"Now, obviously, over a longer term, having those growth assets, they do get more capital growth as opposed to, like, having, you know, fixed interest cash in the bank as a defensive asset or bonds and things like that that do provide, obviously, like, a steady sort of growth or income in regards to your super, but you don't get the kind of capital growth you get out of those more aggressive assets.","start":1234.215,"end":1254.94,"sentiment":"neutral","sentiment_score":-0.0028316809808554715},{"text":"So you need to take on some more risk to get that capital growth and the dividends and income from that as opposed to just sitting in, like, cash.","start":1255.0,"end":1262.485,"sentiment":"neutral","sentiment_score":-0.22023833774287124},{"text":"So when you take on that more risk, the likelihood of you getting higher returns or at least position yourself to get higher returns increases, but then also they can dip quite considerably to kind of what's happening at the moment with the war in Iran and everything.","start":1263.025,"end":1277.22,"sentiment":"neutral","sentiment_score":-0.3267576914901535}],"sentiment":"neutral","sentiment_score":-0.1821125313940337,"channel":0,"num_words":223,"start":1212.405,"end":1277.22},{"sentences":[{"text":"Yep.","start":1278.345,"end":1278.845,"sentiment":"neutral","sentiment_score":-0.0316576212644577}],"sentiment":"neutral","sentiment_score":-0.0316576212644577,"channel":1,"num_words":1,"start":1278.345,"end":1278.845},{"sentences":[{"text":"So would","start":1280.64,"end":1281.12,"sentiment":"neutral","sentiment_score":-0.039250029250979424}],"sentiment":"neutral","sentiment_score":-0.039250029250979424,"channel":0,"num_words":2,"start":1280.64,"end":1281.12},{"sentences":[{"text":"Okay.","start":1280.985,"end":1281.485,"sentiment":"neutral","sentiment_score":-0.003765385597944259}],"sentiment":"neutral","sentiment_score":-0.003765385597944259,"channel":1,"num_words":1,"start":1280.985,"end":1281.485},{"sentences":[{"text":"you think you sort of still wanna maintain a higher level of risk in your super, or you feel like it wants you wanna be a bit more defensive?","start":1281.12,"end":1287.94,"sentiment":"neutral","sentiment_score":-0.046193457754521536}],"sentiment":"neutral","sentiment_score":-0.046193457754521536,"channel":0,"num_words":29,"start":1281.12,"end":1287.94},{"sentences":[{"text":"Yeah.","start":1288.68,"end":1288.76,"sentiment":"neutral","sentiment_score":-0.05274870246648789},{"text":"Probably a little bit more defensive.","start":1288.76,"end":1290.54,"sentiment":"neutral","sentiment_score":-0.05618147552013397}],"sentiment":"neutral","sentiment_score":-0.0556910793696131,"channel":1,"num_words":7,"start":1288.68,"end":1290.54},{"sentences":[{"text":"Yep.","start":1294.555,"end":1295.055,"sentiment":"neutral","sentiment_score":0.009997694753110409},{"text":"And then how would you feel six months after investing if you found out your portfolio did decrease by sort of 20% if, like, the war continues and your portfolio drops, would that sort of make you a little bit concerned?","start":1296.155,"end":1308.3501,"sentiment":"neutral","sentiment_score":-0.24150935905735668},{"text":"Would you sort of hold and wait for it to sort of come back and improve?","start":1308.3501,"end":1311.23,"sentiment":"neutral","sentiment_score":-0.27874971460551023},{"text":"Or","start":1311.23,"end":1311.73,"sentiment":"neutral","sentiment_score":-0.08851993083953857}],"sentiment":"neutral","sentiment_score":-0.2447525659512918,"channel":0,"num_words":59,"start":1294.555,"end":1311.73},{"sentences":[{"text":"Yeah.","start":1312.86,"end":1312.98,"sentiment":"neutral","sentiment_score":-0.09992649406194688},{"text":"Well, I would definitely be concerned, but I I wouldn't really know the right thing to do to yeah.","start":1312.98,"end":1320.62,"sentiment":"negative","sentiment_score":-0.37802396832328095},{"text":"A lot of this a lot of this stuff is over my head.","start":1320.62,"end":1323.5,"sentiment":"negative","sentiment_score":-0.42601378835164583},{"text":"Yep.","start":1323.5,"end":1324.0,"sentiment":"neutral","sentiment_score":-0.05937608331441879}],"sentiment":"negative","sentiment_score":-0.3788216830614735,"channel":1,"num_words":34,"start":1312.86,"end":1324.0},{"sentences":[{"text":"yeah.","start":1324.4451,"end":1324.685,"sentiment":"neutral","sentiment_score":-0.09036684781312944},{"text":"No.","start":1324.685,"end":1324.925,"sentiment":"neutral","sentiment_score":-0.17391517758369446},{"text":"Under understandable.","start":1324.925,"end":1325.8251,"sentiment":"neutral","sentiment_score":-0.17391622811555862}],"sentiment":"neutral","sentiment_score":-0.15302862040698528,"channel":0,"num_words":4,"start":1324.4451,"end":1325.8251},{"sentences":[{"text":"I don't have a damn.","start":1325.82,"end":1326.86,"sentiment":"neutral","sentiment_score":-0.2652342677116394},{"text":"I never heard of it.","start":1326.86,"end":1327.84,"sentiment":"neutral","sentiment_score":-0.21837463080883027}],"sentiment":"neutral","sentiment_score":-0.24180444926023484,"channel":1,"num_words":10,"start":1325.82,"end":1327.84},{"sentences":[{"text":"Yeah.","start":1328.22,"end":1328.54,"sentiment":"neutral","sentiment_score":-0.10172002762556076},{"text":"Obviously, when super does take a bit of a drop there, if you were to sell it, you kind of crystallize those losses as opposed to if you remain investment and wait for that time for it to cut recover, then you sort of still hold that investment.","start":1328.54,"end":1339.98,"sentiment":"neutral","sentiment_score":-0.2557190217388173},{"text":"You're not trying to time the market.","start":1339.98,"end":1341.4401,"sentiment":"neutral","sentiment_score":-0.3048288715737207},{"text":"It just means that you've only made a paper loss until a point you do sell.","start":1341.66,"end":1346.345,"sentiment":"neutral","sentiment_score":-0.1633254736661911},{"text":"So if you were to sort of hold and wait and sort of hope for the recover, then you sort of put yourself in a less risky position as opposed to trying to sell and then reenter the market and sort of crystallizing losses and those sort of things.","start":1346.565,"end":1357.865,"sentiment":"neutral","sentiment_score":-0.1696405955115143}],"sentiment":"neutral","sentiment_score":-0.21021183413907515,"channel":0,"num_words":121,"start":1328.22,"end":1357.865},{"sentences":[{"text":"Yep.","start":1357.89,"end":1358.39,"sentiment":"neutral","sentiment_score":0.11854268610477448}],"sentiment":"neutral","sentiment_score":0.11854268610477448,"channel":0,"num_words":1,"start":1357.89,"end":1358.39},{"sentences":[{"text":"Yeah.","start":1358.465,"end":1358.865,"sentiment":"neutral","sentiment_score":0.18797510862350464},{"text":"Alright.","start":1358.865,"end":1359.365,"sentiment":"neutral","sentiment_score":0.29939207434654236}],"sentiment":"neutral","sentiment_score":0.2436835914850235,"channel":1,"num_words":2,"start":1358.465,"end":1359.365},{"sentences":[{"text":"And in terms of, like, returns, because obviously if you take a little less risk, you're not sort of gonna get those higher returns.","start":1361.97,"end":1367.5701,"sentiment":"neutral","sentiment_score":0.1716507263481617},{"text":"Do you think if you're getting sort of six to 8% per annum, you'd be sort of happy with that as a return if that's what you were getting being in a slightly less risky portfolio.","start":1367.5701,"end":1376.815,"sentiment":"neutral","sentiment_score":0.27354875372515786}],"sentiment":"neutral","sentiment_score":0.2327895427743594,"channel":0,"num_words":60,"start":1361.97,"end":1376.815},{"sentences":[{"text":"Well, was I getting a bit 15%?","start":1381.015,"end":1384.155,"sentiment":"neutral","sentiment_score":0.058334476713623316}],"sentiment":"neutral","sentiment_score":0.058334476713623316,"channel":1,"num_words":7,"start":1381.015,"end":1384.155},{"sentences":[{"text":"So at the moment, it's sitting before phase around 6.14 for the last twelve months, I believe, and that's purely just because of, like, what has occurred for the back end of the year.","start":1385.515,"end":1399.53,"sentiment":"neutral","sentiment_score":-0.018549723167191532},{"text":"It obviously had a good start to the sort of year minus the tariff talk from Trump.","start":1400.2849,"end":1404.3049,"sentiment":"neutral","sentiment_score":0.17931973999914},{"text":"And then sort of the back end of the start of this year, it's taken a bit of a dive just with what has happened.","start":1404.5249,"end":1408.445,"sentiment":"neutral","sentiment_score":-0.13730578511953354},{"text":"It was sitting up around, I think, the 14% even at one point before what did occur.","start":1408.445,"end":1414.62,"sentiment":"neutral","sentiment_score":-0.07100157943718574},{"text":"Sort of around since February, it's gone from, like, 14% down to the 6.4% just for what did occur.","start":1414.62,"end":1420.9601,"sentiment":"neutral","sentiment_score":-0.04160692033014799}],"sentiment":"neutral","sentiment_score":-0.026896946182075356,"channel":0,"num_words":112,"start":1385.515,"end":1420.9601},{"sentences":[{"text":"Okay.","start":1421.86,"end":1422.36,"sentiment":"neutral","sentiment_score":0.05100693181157112}],"sentiment":"neutral","sentiment_score":0.05100693181157112,"channel":1,"num_words":1,"start":1421.86,"end":1422.36},{"sentences":[{"text":"Yeah.","start":1423.66,"end":1423.9801,"sentiment":"neutral","sentiment_score":0.032792460173368454},{"text":"But that's not to say that it won't sort of rebound once sort of things settle down.","start":1423.9801,"end":1427.625,"sentiment":"neutral","sentiment_score":-0.11441305674174253},{"text":"It just means that the time being, it has taken a bit of a a dip from what the markets are experiencing, which isn't just that, like, specific to you.","start":1427.865,"end":1436.105,"sentiment":"neutral","sentiment_score":-0.26396427551905316},{"text":"It's in regards to, like, the industry as a whole and the market as a whole are taking a bit of a dive.","start":1436.105,"end":1440.84,"sentiment":"neutral","sentiment_score":-0.21300696646389755}],"sentiment":"neutral","sentiment_score":-0.20746926758700693,"channel":0,"num_words":71,"start":1423.66,"end":1440.84},{"sentences":[{"text":"Yeah.","start":1443.315,"end":1443.815,"sentiment":"neutral","sentiment_score":0.026686349883675575}],"sentiment":"neutral","sentiment_score":0.026686349883675575,"channel":1,"num_words":1,"start":1443.315,"end":1443.815},{"sentences":[{"text":"Do you have any questions regarding that, Daryl?","start":1448.36,"end":1450.2999,"sentiment":"neutral","sentiment_score":0.07812384190037847},{"text":"Oh, Dan.","start":1450.84,"end":1451.4,"sentiment":"neutral","sentiment_score":0.01833815686404705},{"text":"Sorry.","start":1451.4,"end":1451.9,"sentiment":"neutral","sentiment_score":-0.04623289778828621}],"sentiment":"neutral","sentiment_score":0.05594855919480324,"channel":0,"num_words":11,"start":1448.36,"end":1451.9},{"sentences":[{"text":"No.","start":1455.65,"end":1456.15,"sentiment":"neutral","sentiment_score":-0.11038509011268616}],"sentiment":"neutral","sentiment_score":-0.11038509011268616,"channel":1,"num_words":1,"start":1455.65,"end":1456.15},{"sentences":[{"text":"Yeah.","start":1457.1749,"end":1457.495,"sentiment":"neutral","sentiment_score":-0.02296539954841137},{"text":"No.","start":1457.495,"end":1457.995,"sentiment":"neutral","sentiment_score":-0.09098291397094728},{"text":"That's okay.","start":1458.215,"end":1459.115,"sentiment":"neutral","sentiment_score":0.12684394046664238},{"text":"Obviously, within regards to that, so it does bring you out as a growth investor, which is about an eighty twenty split as opposed to the ninety ten split that you're currently in.","start":1460.775,"end":1469.69,"sentiment":"neutral","sentiment_score":0.16738710998359954},{"text":"Now","start":1469.83,"end":1470.33,"sentiment":"neutral","sentiment_score":0.06887272745370865}],"sentiment":"neutral","sentiment_score":0.1508522874822742,"channel":0,"num_words":38,"start":1457.1749,"end":1470.33},{"sentences":[{"text":"Yep.","start":1470.145,"end":1470.645,"sentiment":"neutral","sentiment_score":0.08318263292312622}],"sentiment":"neutral","sentiment_score":0.08318263292312622,"channel":1,"num_words":1,"start":1470.145,"end":1470.645},{"sentences":[{"text":"given that you're currently not working, and I'm not too sure if you did get an the income protection claim, if it does pay from memory.","start":1470.71,"end":1477.67,"sentiment":"neutral","sentiment_score":-0.11028627119958401},{"text":"I can't remember if it pays into super as well.","start":1477.67,"end":1481.605,"sentiment":"neutral","sentiment_score":-0.04928202927112579},{"text":"I'll 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that","start":1492.1449,"end":1492.7849,"sentiment":"neutral","sentiment_score":-0.014093240102132162}],"sentiment":"neutral","sentiment_score":-0.014093240102132162,"channel":0,"num_words":3,"start":1492.1449,"end":1492.7849},{"sentences":[{"text":"Yep.","start":1492.845,"end":1493.345,"sentiment":"neutral","sentiment_score":0.05366457253694534}],"sentiment":"neutral","sentiment_score":0.05366457253694534,"channel":1,"num_words":1,"start":1492.845,"end":1493.345},{"sentences":[{"text":"so if you were to lower it from, like, a high growth down to a growth, you'd be sort of sitting from, like, around that ninety ten potential split to around a sort of eighty twenty, which would mean that your likelihood to get those high returns would potentially decrease a little bit because you have more defensive assets than the your previous portfolio, but it also means you're slightly more defensive, which should protect you a little bit more when it does have those market downturns.","start":1493.0349,"end":1518.9751,"sentiment":"neutral","sentiment_score":-0.03172393019000689},{"text":"Or","start":1519.115,"end":1519.615,"sentiment":"neutral","sentiment_score":0.04505442827939987}],"sentiment":"neutral","sentiment_score":-0.030851448843763632,"channel":0,"num_words":88,"start":1493.0349,"end":1519.615},{"sentences":[{"text":"Yep.","start":1519.975,"end":1520.475,"sentiment":"neutral","sentiment_score":0.07238274812698364}],"sentiment":"neutral","sentiment_score":0.07238274812698364,"channel":1,"num_words":1,"start":1519.975,"end":1520.475},{"sentences":[{"text":"given that, do you think that you'd sort of still wanna stay in the high growth, or do you feel like growth more aligns with where you're at at the moment?","start":1520.05,"end":1525.91,"sentiment":"neutral","sentiment_score":0.06488593379336019}],"sentiment":"neutral","sentiment_score":0.06488593379336019,"channel":0,"num_words":31,"start":1520.05,"end":1525.91},{"sentences":[{"text":"No.","start":1528.63,"end":1529.03,"sentiment":"negative","sentiment_score":-0.5262261629104614},{"text":"I think obviously, things get worse than it's better to have that bit more defensive mode.","start":1529.03,"end":1535.29,"sentiment":"negative","sentiment_score":-0.600187236443162}],"sentiment":"negative","sentiment_score":-0.5958365850588855,"channel":1,"num_words":17,"start":1528.63,"end":1535.29},{"sentences":[{"text":"Yep.","start":1538.305,"end":1538.805,"sentiment":"neutral","sentiment_score":-0.08584806323051453},{"text":"And then with that, if you sort of were to stay on claim for a considerable amount of time, you are getting some contributions, but at least then it's not in the because generally, a high growth portfolio is going to cost a little bit more as well as opposed to maybe a growth.","start":1538.865,"end":1551.75,"sentiment":"neutral","sentiment_score":-0.03766096459218749},{"text":"But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one.","start":1551.75,"end":1561.8049,"sentiment":"neutral","sentiment_score":0.16553055109648868},{"text":"Because when selling the investments and training to another one, given that you're all currently in just like the one Mercer core series passive high growth fund, selling that might look to realize, a certain amount of capital gains, so we'll take that into account.","start":1562.425,"end":1578.4401,"sentiment":"neutral","sentiment_score":0.10218948026498159},{"text":"And then I'll also go and have a check with the Mercer core series passive high growth, how much is actually defensive versus the high growth there, and have a look at all that for you.","start":1578.4401,"end":1588.755,"sentiment":"neutral","sentiment_score":0.16931685681144396}],"sentiment":"neutral","sentiment_score":0.08105926841045871,"channel":0,"num_words":165,"start":1538.305,"end":1588.755},{"sentences":[{"text":"Because if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment.","start":1591.3151,"end":1604.695,"sentiment":"neutral","sentiment_score":0.047252491764400315},{"text":"Does that make sense?","start":1604.8099,"end":1605.63,"sentiment":"neutral","sentiment_score":0.09121869318187237}],"sentiment":"neutral","sentiment_score":0.05076978787779808,"channel":0,"num_words":50,"start":1591.3151,"end":1605.63},{"sentences":[{"text":"Yep.","start":1606.2101,"end":1606.7101,"sentiment":"neutral","sentiment_score":0.09520316123962402}],"sentiment":"neutral","sentiment_score":0.09520316123962402,"channel":1,"num_words":1,"start":1606.2101,"end":1606.7101},{"sentences":[{"text":"And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching?","start":1607.85,"end":1618.03,"sentiment":"neutral","sentiment_score":-0.04609405470860971}],"sentiment":"neutral","sentiment_score":-0.04609405470860971,"channel":0,"num_words":37,"start":1607.85,"end":1618.03},{"sentences":[{"text":"Yeah.","start":1621.665,"end":1621.905,"sentiment":"neutral","sentiment_score":0.04757958650588989},{"text":"I think so.","start":1621.905,"end":1622.7251,"sentiment":"neutral","sentiment_score":0.05964260051647822}],"sentiment":"neutral","sentiment_score":0.05662684701383114,"channel":1,"num_words":4,"start":1621.665,"end":1622.7251},{"sentences":[{"text":"Yeah.","start":1624.9551,"end":1625.275,"sentiment":"neutral","sentiment_score":-0.017068009823560715},{"text":"Because obviously with that giving you you've got that around the 80,000, if you do pay a few thousand of that to just switch investments, it can sort of be a bit of a hit as opposed to remaining invested.","start":1625.275,"end":1635.9401,"sentiment":"neutral","sentiment_score":-0.28385706096887586},{"text":"And then","start":1636.56,"end":1636.96,"sentiment":"neutral","sentiment_score":0.010730449110269547}],"sentiment":"neutral","sentiment_score":-0.2639509197757688,"channel":0,"num_words":43,"start":1624.9551,"end":1636.96},{"sentences":[{"text":"Yes.","start":1636.7999,"end":1637.2999,"sentiment":"neutral","sentiment_score":0.0500616654753685}],"sentiment":"neutral","sentiment_score":0.0500616654753685,"channel":1,"num_words":1,"start":1636.7999,"end":1637.2999},{"sentences":[{"text":"depending where the the other funds are at as well.","start":1636.96,"end":1639.3,"sentiment":"neutral","sentiment_score":0.007746128365397453},{"text":"But I'll make a note of it.","start":1639.6,"end":1640.64,"sentiment":"neutral","sentiment_score":0.19818672218493052},{"text":"We'll have a look and see what's sort of in your best interest there.","start":1640.64,"end":1643.775,"sentiment":"neutral","sentiment_score":0.29658633896282743},{"text":"But do you have any questions for me, Darren, in regards to that at all?","start":1647.375,"end":1650.655,"sentiment":"neutral","sentiment_score":0.05923491306602955},{"text":"Or","start":1650.655,"end":1650.975,"sentiment":"neutral","sentiment_score":-0.06712769716978073}],"sentiment":"neutral","sentiment_score":0.13698666134571774,"channel":0,"num_words":47,"start":1636.96,"end":1650.975},{"sentences":[{"text":"No.","start":1652.735,"end":1652.8949,"sentiment":"neutral","sentiment_score":-0.2959885597229004},{"text":"Not that I can think of right now.","start":1652.8949,"end":1654.65,"sentiment":"neutral","sentiment_score":-0.3091628700494766}],"sentiment":"neutral","sentiment_score":-0.3076990577909682,"channel":1,"num_words":9,"start":1652.735,"end":1654.65},{"sentences":[{"text":"yeah.","start":1655.535,"end":1655.855,"sentiment":"neutral","sentiment_score":0.07428334653377533},{"text":"No.","start":1655.855,"end":1656.015,"sentiment":"neutral","sentiment_score":-0.02768991142511368},{"text":"It's not a problem at all.","start":1656.015,"end":1656.975,"sentiment":"neutral","sentiment_score":0.1306007613117496},{"text":"We'll look to try and get that reupdated there for you","start":1656.975,"end":1659.66,"sentiment":"neutral","sentiment_score":0.06243091008879922}],"sentiment":"neutral","sentiment_score":0.07983884283978689,"channel":0,"num_words":19,"start":1655.535,"end":1659.66},{"sentences":[{"text":"Oh.","start":1660.41,"end":1660.91,"sentiment":"neutral","sentiment_score":0.0283792931586504}],"sentiment":"neutral","sentiment_score":0.0283792931586504,"channel":1,"num_words":1,"start":1660.41,"end":1660.91},{"sentences":[{"text":"and get that advice piece sorted.","start":1661.5801,"end":1663.6,"sentiment":"neutral","sentiment_score":0.06528331836064656},{"text":"And then from there, obviously, you'll be dealing with the the case management department in regards to the IP claim and trying to to get back on that.","start":1663.9,"end":1671.36,"sentiment":"neutral","sentiment_score":0.005393769791615861}],"sentiment":"neutral","sentiment_score":0.015962513656738925,"channel":0,"num_words":34,"start":1661.5801,"end":1671.36},{"sentences":[{"text":"Yep.","start":1672.275,"end":1672.775,"sentiment":"neutral","sentiment_score":0.1519649177789688},{"text":"Okay.","start":1673.075,"end":1673.575,"sentiment":"neutral","sentiment_score":0.24415042996406555}],"sentiment":"neutral","sentiment_score":0.19805767387151718,"channel":1,"num_words":2,"start":1672.275,"end":1673.575},{"sentences":[{"text":"Not a problem at all.","start":1674.3151,"end":1675.3551,"sentiment":"positive","sentiment_score":0.4778498589992523},{"text":"If you do have any questions, feel free to just reach out and ask them and or get booked back in to have a discussion as well there for you, Darren.","start":1675.3551,"end":1682.3351,"sentiment":"neutral","sentiment_score":0.30660276114940643},{"text":"No problem.","start":1684.25,"end":1684.9099,"sentiment":"positive","sentiment_score":0.4256856292486191},{"text":"Well, sorry to take up so much of your time there, but enjoy the rest of your day.","start":1685.0499,"end":1689.23,"sentiment":"positive","sentiment_score":0.4151805713772774},{"text":"And good luck at your doctor's appointment.","start":1689.69,"end":1691.3099,"sentiment":"positive","sentiment_score":0.6907217417444501}],"sentiment":"positive","sentiment_score":0.3976763273988451,"channel":0,"num_words":63,"start":1674.3151,"end":1691.3099},{"sentences":[{"text":"Thanks.","start":1692.97,"end":1693.37,"sentiment":"positive","sentiment_score":0.7470306754112244},{"text":"Alright.","start":1693.37,"end":1693.69,"sentiment":"positive","sentiment_score":0.6420530080795288},{"text":"You enjoy the rest of your day.","start":1693.69,"end":1695.0499,"sentiment":"positive","sentiment_score":0.7460374661854335},{"text":"Bye.","start":1695.0499,"end":1695.5499,"sentiment":"neutral","sentiment_score":-0.12466884404420853}],"sentiment":"positive","sentiment_score":0.6486677102744579,"channel":0,"num_words":10,"start":1692.97,"end":1695.5499}]},"summary":{"result":"success","short":"The representative from Financial calls Darren to discuss his upcoming appointment and advice on retirement. They confirm Darren's personal information, discuss his employment history, income, expenses, and personal outgoings. The agent emphasizes the importance of maintaining his investment menu and changing it to a cheaper option, as well as his risk profile and personal and estate planning matters. They also discuss the risk reward of high risk in the customer's super and the possibility of staying in a growth mode. The speaker suggests that the possibility of capital gains and losses on the portfolio may affect the portfolio's gains and losses. The speaker also offers advice on a case management department and doctor's appointment."},"intents":{"segments":[{"text":"So what I can do there today is go through, confirm some details.","start_word":373,"end_word":385,"intents":[{"intent":"Confirm details","confidence_score":0.009921473}]},{"text":"I'm not sure about because it says year to date, $53,809.85. But but the date stay period twenty second of the first twenty sixth to the twenty eighth of the first twenty sixth payment. So that's just, like, showing one week. But Yeah. I was saying that'd be, like, sort of, like, the last sort of payroll week that they sort of finalized everything you did your your pay for. yeah.","start_word":722,"end_word":792,"intents":[{"intent":"Confirm payroll details","confidence_score":0.042698923}]},{"text":"And then as far as the loan value left on that one, do you know what the loan is for that one at the moment? 440,000.","start_word":1068,"end_word":1093,"intents":[{"intent":"Confirm loan amount","confidence_score":0.033498652}]},{"text":"And then within regards to anything else, is there any other sort of injuries associated or otherwise that you're sort of going through or any medications that you're taking?","start_word":1234,"end_word":1262,"intents":[{"intent":"Seek medical clarification","confidence_score":4.0134427e-7},{"intent":"Request medication information","confidence_score":0.00057439686}]},{"text":"So I take six tablets a day or two in the morning, lunchtime, and then not one. So I take the maximum dose levels every day, basically. Yep.","start_word":1392,"end_word":1419,"intents":[{"intent":"Evaluate medication effectiveness","confidence_score":0.016654478}]},{"text":"As far as, obviously, the advice piece there, it was quite limited in scope anyway to the estate planning and just the review of your superannuation.","start_word":1736,"end_word":1761,"intents":[{"intent":"Review superannuation","confidence_score":0.07063355}]},{"text":"And then in regards to your superannuation, if sort of you're unable to get on on claim and things like that or do end up totally permanently disabled to where the point you can't work again, would you look at accessing your super funds, or would you mainly I'm just look at the insurances that you would be able to claim on and utilizing those funds?","start_word":1960,"end_word":2025,"intents":[{"intent":"Evaluate super funds access","confidence_score":0.013601821}]},{"text":"You can, when you're TPD, also use TPD to access your super funds early as opposed to waiting to the age of 60.","start_word":2109,"end_word":2131,"intents":[{"intent":"Access super funds","confidence_score":0.17693415},{"intent":"Find super fund access","confidence_score":0.000107421794}]},{"text":"Now in regards to that one, obviously, that makes a difference in sort of if you were looking to take the funds out and what level of risk you do take on versus sort of leaving it there and not accessing it, if that makes sense. Oh, I see.","start_word":2132,"end_word":2180,"intents":[{"intent":"Determine risk level","confidence_score":0.04200997}]},{"text":"then there's a pay a pay out like what you just said. And and then there's like what is it like? A monthly or weekly or whatever it is payment, and that's that's the super, is it?","start_word":2227,"end_word":2263,"intents":[{"intent":"Confirm payment method","confidence_score":0.0026602312}]},{"text":"So the way that your insurances are structured, so you do have income protection life and total permanent disability at the moment in terms of your insurance cover that you hold.","start_word":2264,"end_word":2294,"intents":[{"intent":"Qualify for income protection coverage","confidence_score":0.0012281612}]},{"text":"Now because it's owned through superannuation, it basically gets paid to your super, and then you have to apply to trustee of the super fund to be considered totally permanently disabled again as opposed to the insurer.","start_word":2352,"end_word":2388,"intents":[{"intent":"Apply for trustee","confidence_score":0.005902124}]},{"text":"You can take it in sort of portions.","start_word":2428,"end_word":2435,"intents":[{"intent":"Take fund in portions","confidence_score":0.009981398}]},{"text":"You can create some sort of, like, pension drawdown that you're sort of looking to do, and there's different ways to structure that and things like that as well.","start_word":2437,"end_word":2465,"intents":[{"intent":"Structure pension drawdown","confidence_score":0.45136166}]},{"text":"But within that as well, you do have your superannuation balance. And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment.","start_word":2465,"end_word":2526,"intents":[{"intent":"Access superannuation balance","confidence_score":0.89622223}]},{"text":"And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment. Okay. Yeah.","start_word":2476,"end_word":2528,"intents":[{"intent":"Use insurance lump sum benefits","confidence_score":0.029438002}]},{"text":"Well, But whatever what's that? would happen, I I would want to be leaving some money in, like, the super like it is now. Yeah.","start_word":2529,"end_word":2553,"intents":[{"intent":"Leave money","confidence_score":0.34874403}]},{"text":"And, obviously, at the moment, your insurance costs are quite high.","start_word":2605,"end_word":2615,"intents":[{"intent":"Discuss insurance costs","confidence_score":0.5057176}]},{"text":"then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not.","start_word":2708,"end_word":2750,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.06956614},{"intent":"Discuss insurance coverage","confidence_score":0.15690628}]},{"text":"But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward?","start_word":2751,"end_word":2786,"intents":[{"intent":"Consider high risk taker","confidence_score":0.26607847}]},{"text":"But I I I don't understand what you mean, like, a high risk would be, like you mean, like, Second. going back to work or not?","start_word":2814,"end_word":2839,"intents":[{"intent":"Assess superannuation risk","confidence_score":0.16113175}]},{"text":"A lot of this a lot of this stuff is over my head. Yep.","start_word":3183,"end_word":3196,"intents":[{"intent":"Educate about market dynamics","confidence_score":0.00031272043}]},{"text":"But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one.","start_word":3911,"end_word":3939,"intents":[{"intent":"Compare portfolio options","confidence_score":0.40333167},{"intent":"Analyze investment options","confidence_score":0.004754286},{"intent":"Consider cgt","confidence_score":0.00079863786},{"intent":"Discuss cgt","confidence_score":0.019577155},{"intent":"Discuss investment preferences","confidence_score":0.002809651}]},{"text":"Because if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment. Does that make sense?","start_word":4021,"end_word":4070,"intents":[{"intent":"Discuss capital gains","confidence_score":0.022692349}]},{"text":"And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching? Yeah.","start_word":4072,"end_word":4109,"intents":[{"intent":"Assess current fund","confidence_score":0.00030635414},{"intent":"Discuss current fund","confidence_score":0.030019142}]},{"text":"Not that I can think of right now. yeah.","start_word":4205,"end_word":4213,"intents":[{"intent":"Determine future interest","confidence_score":0.00001657103}]}]},"sentiments":{"segments":[{"text":"Hello. Darren speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04589347541332245},{"text":"Good afternoon, Darren.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4662090241909027},{"text":"It's Carl calling from Financial. How are you today?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.29529449343681335},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.49201247096061707},{"text":"Yourself? Yeah.","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.2797040641307831},{"text":"Not too bad at all, Darren. Thanks for asking. I've got you scheduled in for a bit of a a catch there. Is now a good time for you?","start_word":19,"end_word":47,"sentiment":"positive","sentiment_score":0.3804355561733246},{"text":"Yes. Yes. I did have a a doctor's appointment in forty minutes, but I don't know how long this will take for. Okay. I'll try and make it quick for you there. Just to get started on that one, Darren, if I could just pass you secure with that name, date of birth, and current address, we can get stuck into that one. Yeah. '76. Yep. I I got it at my address. Yeah. Address. Yep. 1856 Stapleton Jacobsville Road, Jacobsville. Perfect. And just your your last name there. Thanks, Darren. And Heron, h e r o n.","start_word":48,"end_word":145,"sentiment":"neutral","sentiment_score":0.10248854011297226},{"text":"Perfect. Thank you for that.","start_word":146,"end_word":150,"sentiment":"positive","sentiment_score":0.47318387031555176},{"text":"I'll just let you know these calls are recorded for quality and training purposes there as well. Sure. Now I know previously there was just a bit of a sort of trouble getting you back on the phone to present your advice. We had discussed looking at just if there's any changes we could make into that with you being back at work in regards to your superannuation and the insurances there. Also in regards to the the claim you were on previously and the the funds that would be coming out and confirming those. We did have that prepared for the back end of last year to be able to present that one. In terms of the advice itself, it was basically to maintain your current position given the insurances and maintaining those, given, you know, what was going on previously with your your knees and everything, and then looking at the investment itself and if that need changing. Now given the balance and everything there as well, we didn't actually look at making a change to the investments. We were more so looking at changing the investment menu that is a bit cheaper just to save you a little bit of money moving forward. Now in regards to that one, Darren, obviously, it has expired in terms of the advice. So what I can do there today is go through, confirm some details. Obviously, there's been a change with your employment and everything there. That wouldn't have affected that advice piece in the sense of what we were recommending. Now within regards to that, though, obviously, that claim is separate through the claims department versus the advice. So if we update Yep. your details there today, we can look at getting you that advice piece still just with the disclaimers of you being not currently at work and just doing that quick update. And then from there, if you were to return to work and things like that or be on a longer term claim and sort of six to twelve months from now, then they could look at potentially making some additional changes, if that makes sense. Yep. But in saying that, I'll go through and confirm a few details there for you. So in regards to email, that's 2bluey2007@Hotmail.com?","start_word":151,"end_word":533,"sentiment":"neutral","sentiment_score":-0.026371167029203075},{"text":"Perfect.","start_word":534,"end_word":534,"sentiment":"positive","sentiment_score":0.33971917629241943},{"text":"Now as far as your occupation, you were doing the truck driving, but currently, you're not working at all? That's correct. Yep. And then with that one there, are you on any sort of Centrelink at the moment? I'm in the process of trying to get that. It should be resolved by the end of this month or early into next month. But, Yep. yeah, like, it's it's in application at the moment. Yep. And then you're obviously going through the IP. You're trying to do the IP claim through here, so that's fine as well. Now as far as the income you did earn in the year, do you know roughly sort of how much you did earn before It's you stopped working again? no. Not a no. Yeah. We will get these from From from the twenty eighth of the first sorry. Hang on. I'm just looking at this, but the dates that makes the twenty second of the first to the twenty ninth of the first. So that was at your last pay slip before, like, your last pay that came through? No. I'm not sure about because it says year to date, $53,809.85. But but the date stay period twenty second of the first twenty sixth to the twenty eighth of the first twenty sixth payment. So that's just, like, showing one week. But Yeah. I was saying that'd be, like, sort of, like, the last sort of payroll week that they sort of finalized everything you did your your pay for. yeah. Yeah. Yeah. Yeah. And then how much was it at 53,800 and Yeah. $9.85. That's saying the YCD. yep. Not a problem at all. And then as far as expenditure and savings goes at the moment, do you know roughly what your expenditures look like in terms of your outgoings? Lots. Yeah. Well, luckily, we got, like, loans to pay and fuel and food and but I I wouldn't have exact numbers for Yeah. Do you know just sort of as a rough estimate sort of what your your outgoing looks like at the moment? me right now. Give me one second. Daddy, is that yours? Can you get a second? Mhmm. I'll go ahead and see your question in a second. Yeah. No. That's perfectly fine. This is an an ID. Yeah. Would you like to repeat the question just so that Jody can listen? Yeah. No. That's fine. So just wondering in terms of, like, weekly outgoing expenditures, what those sort of bare minimum is for the bills and sort of outgoings. Probably about 800 to 1,000 a week. As a as a household. Yeah. Probably $8,800 a week maybe. Yep.","start_word":535,"end_word":984,"sentiment":"neutral","sentiment_score":0.00693327896296978},{"text":"Perfect.","start_word":985,"end_word":985,"sentiment":"positive","sentiment_score":0.4273359179496765},{"text":"And then as far as assets liabilities now, I know a lot of it's in a trust structure. Do you know roughly the values of, like, the houses within the the trust We've at got the moment one or the cash? one box now, and it's well, we just need renovations, so I would say between one point two and one point five. And you said you got rid of the the other property? Yeah. We've only got the 1856 Claibleton. Yep. And then as far as the loan value left on that one, do you know what the loan is for that one at the moment? 440,000. Yep. And are there any other, like, cash holdings or investment accounts inside the trust at the moment? No. I did that. Just that one. Yep. And then as far as a consolidation loan, I know previously there was a loan for around 40,000. Is that loan, like, in the trust now, or is that still personal? Or No. That's perfect. yep. And do you know roughly how much is left on that one? It's it's in the 40 still. I'll tell you in a second. Yeah. No. That's perfectly fine. And have you still got the same car worth around the $2,000 mark? Yes. And just while you're you're doing that there, now I know from you speaking to Maddie there that you're having issues again post the the surgery with your your knees at the moment. Yes. Yep. And then within regards to anything else, is there any other sort of injuries associated or otherwise that you're sort of going through or any medications that you're taking? I'm having issues with my my shoulders as well, but but not as bad as the problems I'm having with my knees. Just I should have had a shoulder reconstruction, like, three, four years ago, whatever it was. And I I get pain in there every now and then, but but, you know, like, it's becoming a bit more frequent and, you know, Yep. And then are you still going to the the physio, or did you stop that when you return to work? not a long time ago. Yeah. That's probably Yep. No. That's fine. And do you take any medication currently apart from, like, the occasional, like, pain relief? ages ago. The only medication I'll take is osteopinadol, which I stay on top of every day. So I take six tablets a day or two in the morning, lunchtime, and then not one. So I take the maximum dose levels every day, basically. Yep. Understandable. And then do you have private health insurance currently, Darren, No. or is No. it just No. yeah. That's fine. And I know the last time we spoke, you hadn't had a will or anything in place. Have you got around to your estate planning matters since we last spoke? No. Actually, no. I haven't. Yeah. That's okay. And these are a few just other random questions that they've added to the workbook since we last spoke, but you're not politically exposed at all or have any family in politics at the moment? No. Yep. And you're not a tax resident for any other sort of jurisdiction outside of Australia? No. What's A tax resident her? anywhere else but Australia? No. This is her. Yep. And have you ever declared bankruptcy or is that or any sort of part nine debt agreement apart from, like, obviously, setting up the consolidation loan? No. Yep. No. That's fine. And now I'm assuming your goals have changed a bit since we last spoke there. I know you wanted to look at sort of getting a new card out that you're working again and then sort Yeah. of paying down the debts and things like that. But That's is right. it Yep. mainly sort of focused on your health again and making sure that's up to scratch? Yeah. Exactly. Yep. Yep. And then as far as anything else, is there anything else that you're trying to achieve in the next sort of three to five years there apart from sort of getting back on track there? That's actually just like you said, it's just getting back on track. Just trying to make sure that I've got everything covered so that my kids don't suffer in any way for, you know, due to money reasons or anything that can affect them Yeah. in that No. regard. Completely completely understand that.","start_word":986,"end_word":1734,"sentiment":"neutral","sentiment_score":-0.021341125455962243},{"text":"As far as, obviously, the advice piece there, it was quite limited in scope anyway to the estate planning and just the review of your superannuation. And given how you're not working there currently, I it's not probably in your best interest to look at sort of changing things currently given the investment that you're currently in and the cost you do pay for that one versus doing an update.","start_word":1735,"end_word":1804,"sentiment":"negative","sentiment_score":-0.4105032086372375},{"text":"Right. We'll obviously still have a quick look at that, but then also have a look at the the menu switch, like I said, to save you a little bit of ongoing cost in your superannuation to sign, still get some growth out of it while you sort of, you know, still paying those insurance premiums and not working. Yep. And I will just quickly go over a risk profile just to ensure that that is in line still with what you're currently invested in. Now I know you've answered these previously there, Darren, but I'll just go through them again. So within regards to investments, have you ever invested in direct shares previously? No. Yep. I No. I That's was fine. never invested in anything. The the only thing which would have been done is anything that's done through my super. That's it. Yeah. That that managed fund through super. Yeah.","start_word":1805,"end_word":1956,"sentiment":"neutral","sentiment_score":0.011719318106770515},{"text":"No. Completely understandable.","start_word":1957,"end_word":1959,"sentiment":"negative","sentiment_score":-0.39835652709007263},{"text":"And then in regards to your superannuation, if sort of you're unable to get on on claim and things like that or do end up totally permanently disabled to where the point you can't work again, would you look at accessing your super funds, or would you mainly I'm just look at the insurances that you would be able to claim on and utilizing those funds?","start_word":1960,"end_word":2025,"sentiment":"neutral","sentiment_score":-0.23425522446632385},{"text":"You don't plan on sort of accessing the money in super not just sure.","start_word":2026,"end_word":2039,"sentiment":"negative","sentiment_score":-0.3790667951107025},{"text":"I haven't really thought yet? about Hasn't crossed your mind? that. What what do you mean by accessing this this super like? So if you were to sort of, like, either end up on an IP claim or be, you know, considered totally permanently disabled by a doctor and a specialist to where you could, you know, get a payout in regards to, like, insurance with the the IP. You can, when you're TPD, also use TPD to access your super funds early as opposed to waiting to the age of 60. Now in regards to that one, obviously, that makes a difference in sort of if you were looking to take the funds out and what level of risk you do take on versus sort of leaving it there and not accessing it, if that makes sense. Oh, I see. So what is is that I didn't know how to say it. Is that is that like so if if if if I don't even know how to spell it. Yeah. No. That's fine. So if if that was gonna happen like you just said, Yep. then there's a pay a pay out like what you just said. And and then there's like what is it like? A monthly or weekly or whatever it is payment, and that's that's the super, is it? So the way that your insurances are structured, so you do have income protection life and total permanent disability at the moment in terms of your insurance cover that you hold. Yep. Now you can also claim on income protection, but then you can also claim on total permanent disability should you be deemed that by the doctors and meet that condition of release as well, which means that in addition to, like, your income protection, you can get the lump sum payment of the total permanent disability. Now because it's owned through superannuation, it basically gets paid to your super, and then you have to apply to trustee of the super fund to be considered totally permanently disabled again as opposed to the insurer. You've gotta do it with the trustee with the superannuation fund as well to be able to access the release of those funds. And then from there, you could sort of either, like, you know, take the whole lot. You can take it in sort of portions. You can create some sort of, like, pension drawdown that you're sort of looking to do, and there's different ways to structure that and things like that as well. But within that as well, you do have your superannuation balance. And if you sorta use up all the insurance lump sum benefits or, you know, your IP ran out, things like that as well, you can access that underlying portion of your super that you do currently hold, which is sitting around, I think, the the 80,000 mark at the moment. Okay. Yeah. Well, But whatever what's that? would happen, I I would want to be leaving some money in, like, the super like it is now. Yeah. You wouldn't sort of take it out unless you you had to sort of thing in terms of, Unless like, costs. I unless I had to. Yeah. But but but otherwise, I'd still want that there for for later on in life, I guess, if you know what I mean. Yeah. And, obviously, at the moment, your insurance costs are quite high. But, obviously, with in regards to your current sort of health conditions with your knees and your shoulders and things like that as well, there Yep. wasn't sort of a reason to decrease those now even with the higher cost because the likelihood of a claim, which is why with that original main recommendation, we go we're gonna keep it the same. Even though it is a high cost and it does sort of eat away your super balance, it just sort of gives you that level of protection still. And Hello. then given the results of what happens with, obviously, with the claim and things like that, you can have another discussion in terms of, like, the insurance and what you're covered for and and if you're able to claim on it or not. But in regards to inflation and the level of risk that you do take on in your superannuation, would you still consider yourself quite, like a high risk taker in terms of, like, the risk reward? You mean a lot of high risk for Higher rewards or, like, higher risk for higher returns? Or would you consider yourself a little bit more moderate?","start_word":2040,"end_word":2813,"sentiment":"neutral","sentiment_score":-0.01564834142931483},{"text":"But I I I don't understand what you mean, like, a high risk would be, like you mean, like, Second.","start_word":2814,"end_word":2833,"sentiment":"negative","sentiment_score":-0.37879428267478943},{"text":"going back to work or not? So in terms of, like, risk in your superannuation, currently, you're in a high growth, which is, like, 90% growth as it's about 10% defensive. So with that, that 90% growth has things like international shares, direct shares, those sort of things that carry a lot more risk in terms of, like, the value that that can drop and rise and that, like, volatility that it carries and how that's going to perform. Now, obviously, over a longer term, having those growth assets, they do get more capital growth as opposed to, like, having, you know, fixed interest cash in the bank as a defensive asset or bonds and things like that that do provide, obviously, like, a steady sort of growth or income in regards to your super, but you don't get the kind of capital growth you get out of those more aggressive assets. So you need to take on some more risk to get that capital growth and the dividends and income from that as opposed to just sitting in, like, cash. So when you take on that more risk, the likelihood of you getting higher returns or at least position yourself to get higher returns increases, but then also they can dip quite considerably to kind of what's happening at the moment with the war in Iran and everything. Yep. So would Okay. you think you sort of still wanna maintain a higher level of risk in your super, or you feel like it wants you wanna be a bit more defensive? Yeah. Probably a little bit more defensive. Yep. And then how would you feel six months after investing if you found out your portfolio did decrease by sort of 20% if, like, the war continues and your portfolio drops, would that sort of make you a little bit concerned? Would you sort of hold and wait for it to sort of come back and improve? Or Yeah.","start_word":2834,"end_word":3162,"sentiment":"neutral","sentiment_score":-0.17040394246578217},{"text":"Well, I would definitely be concerned, but I I wouldn't really know the right thing to do to yeah. A lot of this a lot of this stuff is over my head.","start_word":3163,"end_word":3194,"sentiment":"negative","sentiment_score":-0.3905961588025093},{"text":"Yep. yeah. No. Under understandable. I don't have a damn. I never heard of it. Yeah. Obviously, when super does take a bit of a drop there, if you were to sell it, you kind of crystallize those losses as opposed to if you remain investment and wait for that time for it to cut recover, then you sort of still hold that investment. You're not trying to time the market. It just means that you've only made a paper loss until a point you do sell. So if you were to sort of hold and wait and sort of hope for the recover, then you sort of put yourself in a less risky position as opposed to trying to sell and then reenter the market and sort of crystallizing losses and those sort of things. Yep. Yeah. Alright. And in terms of, like, returns, because obviously if you take a little less risk, you're not sort of gonna get those higher returns. Do you think if you're getting sort of six to 8% per annum, you'd be sort of happy with that as a return if that's what you were getting being in a slightly less risky portfolio. Well, was I getting a bit 15%? So at the moment, it's sitting before phase around 6.14 for the last twelve months, I believe, and that's purely just because of, like, what has occurred for the back end of the year. It obviously had a good start to the sort of year minus the tariff talk from Trump. And then sort of the back end of the start of this year, it's taken a bit of a dive just with what has happened. It was sitting up around, I think, the 14% even at one point before what did occur. Sort of around since February, it's gone from, like, 14% down to the 6.4% just for what did occur. Okay. Yeah. But that's not to say that it won't sort of rebound once sort of things settle down. It just means that the time being, it has taken a bit of a a dip from what the markets are experiencing, which isn't just that, like, specific to you. It's in regards to, like, the industry as a whole and the market as a whole are taking a bit of a dive. Yeah. Do you have any questions regarding that, Daryl? Oh, Dan. Sorry. No. Yeah. No. That's okay. Obviously, within regards to that, so it does bring you out as a growth investor, which is about an eighty twenty split as opposed to the ninety ten split that you're currently in. Now Yep. given that you're currently not working, and I'm not too sure if you did get an the income protection claim, if it does pay from memory. I can't remember if it pays into super as well. I'll just It see did if it last yeah. Okay. So it does have the retirement protection as well. But in saying that, it would be slightly less than probably what you'd be getting if you were working full time. But one. in saying that Yep. so if you were to lower it from, like, a high growth down to a growth, you'd be sort of sitting from, like, around that ninety ten potential split to around a sort of eighty twenty, which would mean that your likelihood to get those high returns would potentially decrease a little bit because you have more defensive assets than the your previous portfolio, but it also means you're slightly more defensive, which should protect you a little bit more when it does have those market downturns. Or Yep. given that, do you think that you'd sort of still wanna stay in the high growth, or do you feel like growth more aligns with where you're at at the moment?","start_word":3195,"end_word":3838,"sentiment":"neutral","sentiment_score":-0.044741614935746105},{"text":"No. I think obviously, things get worse than it's better to have that bit more defensive mode.","start_word":3839,"end_word":3855,"sentiment":"negative","sentiment_score":-0.5907407402992249},{"text":"Yep. And then with that, if you sort of were to stay on claim for a considerable amount of time, you are getting some contributions, but at least then it's not in the because generally, a high growth portfolio is going to cost a little bit more as well as opposed to maybe a growth. But I'll compare a few options there for you similar to what you've currently got and then sort of compare the CGT as well in relation to that one. Because when selling the investments and training to another one, given that you're all currently in just like the one Mercer core series passive high growth fund, selling that might look to realize, a certain amount of capital gains, so we'll take that into account. And then I'll also go and have a check with the Mercer core series passive high growth, how much is actually defensive versus the high growth there, and have a look at all that for you. Because if you were to do, like, a full sell down, the capital gains might be a little bit high, and then you might be sort of crystallizing a few thousand, if not more, in capital gains to switch investments versus just maintaining your current investment. Does that make sense? Yep. And then if the capital gains was too high, would you sort of want to stay in your your current fund there as opposed to realizing a few thousand dollars worth of capital gains and then switching? Yeah. I think so. Yeah. Because obviously with that giving you you've got that around the 80,000, if you do pay a few thousand of that to just switch investments, it can sort of be a bit of a hit as opposed to remaining invested. And then Yes. depending where the the other funds are at as well. But I'll make a note of it. We'll have a look and see what's sort of in your best interest there. But do you have any questions for me, Darren, in regards to that at all? Or No. Not that I can think of right now. yeah. No. It's not a problem at all. We'll look to try and get that reupdated there for you Oh. and get that advice piece sorted. And then from there, obviously, you'll be dealing with the the case management department in regards to the IP claim and trying to to get back on that. Yep. Okay.","start_word":3856,"end_word":4268,"sentiment":"neutral","sentiment_score":0.030843443964488498},{"text":"Not a problem at all.","start_word":4269,"end_word":4273,"sentiment":"positive","sentiment_score":0.47831490635871887},{"text":"If you do have any questions, feel free to just reach out and ask them and or get booked back in to have a discussion as well there for you, Darren.","start_word":4274,"end_word":4304,"sentiment":"neutral","sentiment_score":0.303607314825058},{"text":"No problem. Well, sorry to take up so much of your time there, but enjoy the rest of your day. And good luck at your doctor's appointment. Thanks. Alright. You enjoy the rest of your day.","start_word":4305,"end_word":4340,"sentiment":"positive","sentiment_score":0.5561613440513611},{"text":"Bye.","start_word":4341,"end_word":4341,"sentiment":"neutral","sentiment_score":0.30574357509613037}],"average":{"sentiment":"neutral","sentiment_score":-0.0265642232957748}}}}