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How's your morning been so far? Oh, how's it? I'm so sorry to hear that. I'll try not to keep you too long. Lisa, is this a bit of a catch up after your annual review we completed? Because we are discussing your personal information, I do wanna do security there with you. But first, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful. And this is sorry. Just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. Lisa, I had you booked in for a bit of a catch up. I know you completed your annual review with my colleague Samantha about a week or so ago, and she had sort of had a bit of a chat about your portfolio there. I've booked you in for a bit of a conversation in relation to one of the investments. Do you remember kinda going through that with her at all? Yeah. That's okay. So the main so the reason we wanted to do the catch up with you is just to kinda go through what's been happening. One of your underlying investments has sort of seen a bit of a a change, and we wanted to touch base to, like, maybe have a chat about updating the advice for you. In your portfolio and look when I have a look back at your portfolio over the course of the last year and when you have been onboard from 2022, you have seen some great returns there. From inception, your portfolio is up by 40.25%. So when we look at that on an annual basis, it's about a 10.06% compounded return. So you have done quite well. However, in the last couple of weeks that we have noted that, Ben, along your Australian equities portion of your portfolio has been underperforming slightly, and, essentially, that is because one of their underlying investments, Corporate Traveler, has got, unfortunately, been a bit dishonest. The market wasn't reporting correctly. And that obviously had come out in their reports to the market there. It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well. We do want to start maybe moving you out of that and putting else in its place, but we just wanted to have a bit of a conversation to sorta get a feel for what you are after with regard to your investments there. Does that all make sense so far? Or yeah. Perfect. Essentially, when we are looking at maybe updating the investment strategy, I can see you expecting some changes to your circumstances over the next couple of months as well. I'm very sorry to hear that you might be made redundant. Is there any kind of word on where that might be going at the moment? Have they sort of given you an update at all? Yeah. Okay. Yeah. Yeah. Lovely. Yes. Yeah. Yeah. Yes. Absolutely. Yes. Yep. Yeah. Absolutely. Look. You are 52 years young this year. You still have plenty of time ahead of you and a lot of life to live there, so I absolutely agree. No. Well, I'm and I'm glad to hear that that's a good thing that you're kind of wanting this change. Have you sort of thought about what you'd like to do in in the future? Something that interests you or no? Yeah. Yeah. Yep. Yes. Yep. Yeah. Okay. Yeah. No. Understandable. Yep. Yeah. No. Completely understandable. And so you'll still be in this role until about is it March, or have they kind of worked out when that might occur that change might occur? Yep. Yes. Yeah. Yep. Okay. Yeah. Yeah. Absolutely. And you've still got some kids living at home. They're 18. Is that right? Yep. Yeah. Yep. Okay. Yep. Oh, that's beautiful. It takes a lot of patience and a very special person to work in that area. Yeah. Oh, that's beautiful. That's fantastic. So do they sort of rely on you much financially at the moment? Yeah. It does. Absolutely. Mhmm. Yes. Yeah. Yep. Yep. Yeah. Yeah. Absolutely. No. Perfect. Well, we have certainly two avenues that we can definitely take. And sort of moving forward, there are some big changes to your circumstances that we may need to take into effect when we are updating the advice. Did you want us to look Benelung is showing it is down at the moment, but it isn't holding a huge amount of your portfolio back. As I mentioned, you had a great return over the past couple of years when we look at the compounding effect there. And if I just go back to the last twelve months sorry. Just running my computer. So the last twelve months shows even with Benelon having a bit of a callback, you still received about a 6.09% return. So you have done really well. And because your balance is certainly higher, as your balance does increase and keeps compounding, smaller changes are gonna make a bit more of an effect. Would you like us to provide the advice around the the switch in investments now, or did you maybe wanna do a bit of a catch up in another couple of weeks and see where things are going with your employer, and maybe factor in any other changes into the advice? What would you like us to do moving forward? How do you how comfortable do you feel? Yes. Yep. Yes. Yep. Yeah. Yeah. Yes. Yeah. Okay. Yeah. Absolutely. No. Definitely. So you're comfortable with us doing the advice now, sort of looking at things now even with the the upcoming changes, or did you wanna maybe hold off a few weeks and and do everything together? Yep. Yeah. Yeah. That's absolutely fine. We can do that. Not a problem. What I'd be wanting to do, because you are very close to looking at what this redundancy might look like, I may look at, obviously, what you are now, but then also factor in maybe what happens if there's no contributions going into your super and looking at strategies that kind of keep your super working because you are paying for your life and TB to get out of the super. So whilst it's you know, you want your super still to be growing, and with the life and TPD component, it's not a huge cost. At the moment, the this year, the premium is about 1,387 and 73¢ coming out of super, so it's not a massive one. When we look at the earnings that has been generated by your portfolio over the last twelve months there, it shows the earnings for the growth plus the income is about 30,681. So you do see as your super gets as your balance increases that the compounding effect increases there. So it is a small portion, but I do just wanna see what the effect looks like if there's no contributions going in, and that kind of shows you moving forward. If you don't have a job in a few months' time, just making sure it is still working for you is important. Is that okay? Perfect. And when we do look at the different ways of investing, did you look at, your super very often? Do you Mhmm. Yep. Yep. Yep. Yeah. Perfect. Yeah. Yeah. Correct. Yeah. Yeah. Definitely. You've still got to enjoy your retirement years too. Oh, I hope you are, Lisa. A long time to go. Yep. Perfect. No. That's absolutely fine. I'm glad your son was really impressed with where things are going there. So one of the things I wanted to touch base on is there are different ways of investing. So having been along in your portfolio when you came on board originally was about having a little bit of an active manager in there. The role of an active manager, you can pay a little bit more for these sorts of investments, but the role of an active manager is that they're supposed to be buying and selling. They're supposed to be investing within their strategy so that they're outperforming against the market because you do tend to pay a bit more for these sorts of managers in your portfolio. Now because Bannalong, unfortunately, have come back and had a bit of a dip there with their issues over the last few months, and even sort of when you look back, well, they have been a great investment over the couple of years, but they have had those times where they've had a bit of a pullback and have taken a little bit longer to kind of come back and recover from those instances. So it is definitely time to maybe look at removing them and putting something else in their place. But because you are getting closer and closer to the years where you're able to access Super, did you wanna keep more of an active manager in your portfolio, or would you like to look at something a little bit more low cost that might be more passively managed? Passive investments tend to track a certain index or the market as a whole, and they tend to be a bit more lower cost and can perform better than active managers in the long run as well. What would you like to sort of see with your investments? Yeah. Yep. Yeah. Perfect. And the one thing you mentioned to me, Jasmine, was really valuable was the value side of it. The other thing we sort of have been looking at is over the course of the last twelve months, our investment committee now. Directors here, along with utilizing BlackRock, which is one of Australia's largest investment firms, they have actually built a separately managed account. It's called an SMA. Essentially, what this is, it is an an investment account that you can hold on Hub twenty four. Inside that investment account, you have anywhere between 10 to 50 different investment options depending on what they see is valuable to have in that SMA. The benefits of having that sort of thing and where the value lies in that product is that you you kind of give us a bit more control around removing or moving around the investment options. So our investment committee with BlackRock's investment team meet on a regular basis. At the moment, it is kinda quarterly, and they review the investments within the portfolio there. If, say, something happened like what has happened with black sorry. With Van Alon where the investments underperformed slightly, they feel like it should be moved out. By being in that SMA product, we can actually remove that and put something else in its place, and that means we don't need to update the advice very regularly for you. We have a lot more control around making those decisions and removing investments to give you value and make sure the investments are, you know, working harder. The downside to having that SMA is that when you look at your sleep, you don't see the nine different investment options. You have a let little bit less visibility in the underlying investments, and you would see your balance and the estimated product you're in. We can send you regular reports when things change. We can send you transaction reports and trade reports and change reports and things like that to let you know what's happening, but it's more about the visibility in your super. Would you like to see yourself in something like that where changes can be made if they need to be made without kind of going through and waiting and having the conversation, or do you want a bit more visibility on the investments in your super? What sort of picks your fancy more? What do you wanna see? Yeah. Yeah. Perfect. Yep. Perfect. Yeah. Yeah. Yep. Mhmm. Yes. Yep. Yep. Yep. Yeah. Perfect. Yep. No. That's a really good way of putting it. Excellent. So it does sound like that estimated product would be fairly suitable for you. So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in. I'll also review the investments. I'll look at all the options. So the the separately managed account option as well as any other options we have for investments, just making sure that that's in line with you. We also do factor in the CGT. So because your super balance is really well, you have done quite well over the years. We don't wanna obviously have too high a tax effect on your super. Your super fund has to account for CGT and income and earnings tax on a yearly basis as well. So we don't wanna, you know, cause anything that's gonna have too much of a tax effect. But I can review all those different options for you, provide the advice document that shows you and outlines what what we're recommending, how, and why. And then when you get to have a look at that, you can decide whether you take on all the recommendations, some of them or none of them at all. Does that sound okay? Beautiful. Excellent. I'll account for what's happening with your circumstances now, but we'll also factor in the changes to come. So noting, you know, having a look at how it looks without any contributions as well just to sort of see what we might be expecting. And we'll probably put something in the advice document with the recommendations, but then also have the appendix aside with alternative options for you so you can kinda see the different scenarios we have looked at as well. Is that alright? Yeah. Beautiful. Now with your insurances, obviously, we're not gonna look at altering them in any way at the moment, but it is important because we are updating the advice around the investments in your suit. But with your insurance and being paid out of them, we do need to make sure we factor that into the scenario. You've got your licensed TPD component there. Essentially, your current licensed TPD sum insured is 464,814. Having a look, you don't have any income protection at the moment. You're comfortable just with the life and TV. You don't wanna look at income protection while you're still working. You're happy with the cover you have. Is that right? Did you wanna look at anything else, or did you have any questions around the cover? Yep. That's okay. Yes. Yep. Okay. Yep. Okay. Yeah. Perfect. And do you have much in the way of annual leave or leave entitlements that you should also be able to get paid out when the time comes? Yep. Yep. Yep. Wow. Yes. Yeah. Perfect. Yeah. Yeah. Yeah. Yep. Wow. I mean, that contract you're on looks pretty nice. So, yeah, I'd be holding on to that too. Wow. Yeah. Yeah. Yeah. Absolutely. Well, do keep us informed as what's happening. It does take us a couple of weeks to go back and have a look at the research and really put the plan together. There's a lot to sort of consider when we are doing the advice document. So if anything happens in the next couple of weeks, maybe if you could just let us know. Yeah. Yeah. Just so we can kinda factor that in there for you. But as soon as we do have the advice ready to go, I'll get the team to book you back in. We'll go through it together so you can have a look at everything, and then you could decide what you wanna do. Yeah. Absolutely. Most definitely. If anything happens, you just call the team. They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need. Okay? Beautiful. That's okay. The last thing I just wanna touch base on here with you, Lisa, is that having a bit of a look at your portfolio, your risk level. So you are in a growth portfolio, which generally sees about 80% of your super invested in growth assets with things like Australian super oh, sorry. Australian shares, international shares, listed property, and commodities, like some gold and silver. This sort of a portfolio, you are taking a bit more risk in the market to obtain or potentially get those greater returns, and you would still see about 20% in those defensive investments of things like cash, bonds, and fixed interest. This sort of a portfolio generally suits someone who has about six years before they're wanting to access their super. So given your age and stage, it does fit you still. Are you fairly comfortable with that level of exposure? Did you wanna look at altering that at the moment? Or Yeah. Yeah. Yeah. Absolutely. Yeah. No. That's okay. Yeah. Yeah. Yeah. No. That's perfect. And that's why we do have that mix of the growth investments as well as the defensive asset allocation for you as well. So you are spreading the risk level there, having some of those growth investments to try and obtain greater potential returns, but also having some defensive investments to sort of fall back on in downtime. Defensive investments are good for income producing, but we also do have in your portfolio there a bit of physical gold, which is an alternative investment and tends to work both ways. So it is quite good to have that level of exposure there. I did just wanted to quickly ask three questions just to kinda gauge whether there is any changes to the risk level as well when we are looking at that estimate product. Do you know when you're sort of hoping to realistically be able to access Super when your retirement age was that you would would really like? Mhmm. Okay. Yep. Okay. Okay. Yeah. Perfect. Would like to access. Yep. Yep. Perfect. Absolutely. Yeah. No. That's perfect. Yeah. Yeah. Perfect. Well, I can give you some good news. And whilst you can have 65, it's absolutely fine. At the age of 65, regardless of whether you're working or not, your super is made unrestricted nonpreserved. So you can access those funds regardless of whether you're working or not at 65. If you decide earlier that you don't wish to work beyond the age of 60, 60, so long as you fully retire, is the age you can also access your super. So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well. Okay? Perfect. The next one here is asking about are you comfortable taking on a higher level of risk in order to get those greater potential returns, or do you consider yourself more moderate, medium, or do you think you're not wanting to take on much risk at all to get the best returns you possibly can? How would you sort of rate yourself there? That's okay. Do you consider yourself happy to take on a higher level of risk to get greater potential returns? Do you consider yourself comfortable taking on a moderate or medium amount of risk to get the best returns you can or next to no risk to get the best returns possible? Yep. Yep. Perfect. Excellent. And the last one here is have you ever considered taking out a loan to invest in shares or manage funds or you would not wanna borrow for for that sort of investing at all. Okay. Yep. Yep. Okay. No. Of course. Yes. Yes. No. That's okay. And when you look at your own lending side of things, is this your main primary residence that you've borrowed for in the past? Yep. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yep. Yep. No. Perfect. That's fantastic. Excellent. And I've just got one more question here with regard to that. Thinking about your super balance at the moment, if you saw a fall over the next six months due to what was happening externally in the market, how do you think you're feeling about that? Are you feeling optimistic about the potential investment opportunities? Are you a bit cautious, concerned, or are you feeling a bit anxious? Yeah. Yeah. Yeah. Okay. Yes. Yep. Uh-huh. Yeah. You do you find yourself appreciating that time a lot more because of that? Yeah. Beautiful. Yeah. Yeah. Yeah. Oh, absolutely. My kids are 19 and 20, and I understand exactly. It's very difficult out there, and we've had the same conversations. They will need my help moving forward. So yeah. Yeah. Yeah. Yep. Yeah. Perfect. No. Excellent. Fantastic. Well, I've got basically everything I needed to go back and have a really good look. I've got an understanding of where you're after with those questions there. You have still scored in that growth portfolio range. So happy to kinda keep you there for a bit longer given your age and stage and where you're up to. So we'll go back and do a bit of research there for you, have a look at everything that's going on, and update the advice strategy. If in the meantime, something happens or changes that you need to let us know about, feel free to give us a call. And if you do have any additional questions and you wanna be booked back in with me, please give us a call, let us know, and the team will book you in for the first available appointment with myself. Okay? So, Hansi, thank you for taking my call, Lisa. Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment? And I'll ask you everything under the sun. Beautiful. Yeah. Yep. Yeah. Oh, it's good. Yeah. Yep. Yep. Yeah. Mhmm. Yeah. Absolutely. No. Definitely. Well, thank you so much for that. I'll let you go so you have a good afternoon. Hopefully, the day isn't as hectic as the morning has been there for you, and I'll get working on this research there for you as well. Oh, well yeah. Absolutely. Perfect. Well, while you're working your butt off there, I'll work mine off here, and we'll get that research completed for you. That's okay, Lisa. Thank you for your time this morning. I hope you have a good day. Talk to you soon. Thank you. 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Lisa. This is Dana from OKIE Financial. How are you this morning? I'm very well. Thank you.\n\nI had you pulled in for a bit of a catch up today. Is now still a good time there for you? Perfect. How's your morning been so far? Oh, how's it?\n\nI'm so sorry to hear that. I'll try not to keep you too long. Lisa, is this a bit of a catch up after your annual review we completed? Because we are discussing your personal information, I do wanna do security there with you. But first, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for us to proceed with that? Beautiful. And this is sorry. Just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Beautiful.\n\nThank you so much for that. Lisa, I had you booked in for a bit of a catch up. I know you completed your annual review with my colleague Samantha about a week or so ago, and she had sort of had a bit of a chat about your portfolio there. I've booked you in for a bit of a conversation in relation to one of the investments. Do you remember kinda going through that with her at all?\n\nYeah. That's okay. So the main so the reason we wanted to do the catch up with you is just to kinda go through what's been happening. One of your underlying investments has sort of seen a bit of a a change, and we wanted to touch base to, like, maybe have a chat about updating the advice for you. In your portfolio and look when I have a look back at your portfolio over the course of the last year and when you have been onboard from 2022, you have seen some great returns there.\n\nFrom inception, your portfolio is up by 40.25%. So when we look at that on an annual basis, it's about a 10.06% compounded return. So you have done quite well. However, in the last couple of weeks that we have noted that, Ben, along your Australian equities portion of your portfolio has been underperforming slightly, and, essentially, that is because one of their underlying investments, Corporate Traveler, has got, unfortunately, been a bit dishonest. The market wasn't reporting correctly.\n\nAnd that obviously had come out in their reports to the market there. It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well. We do want to start maybe moving you out of that and putting else in its place, but we just wanted to have a bit of a conversation to sorta get a feel for what you are after with regard to your investments there. Does that all make sense so far? Or yeah.\n\nPerfect. Essentially, when we are looking at maybe updating the investment strategy, I can see you expecting some changes to your circumstances over the next couple of months as well. I'm very sorry to hear that you might be made redundant. Is there any kind of word on where that might be going at the moment? Have they sort of given you an update at all?\n\nYeah. Okay. Yeah. Yeah. Lovely.\n\nYes. Yeah. Yeah. Yes. Absolutely.\n\nYes. Yep. Yeah. Absolutely. Look.\n\nYou are 52 years young this year. You still have plenty of time ahead of you and a lot of life to live there, so I absolutely agree. No. Well, I'm and I'm glad to hear that that's a good thing that you're kind of wanting this change. Have you sort of thought about what you'd like to do in in the future?\n\nSomething that interests you or no? Yeah. Yeah. Yep. Yes.\n\nYep. Yeah. Okay. Yeah. No.\n\nUnderstandable. Yep. Yeah. No. Completely understandable.\n\nAnd so you'll still be in this role until about is it March, or have they kind of worked out when that might occur that change might occur? Yep. Yes. Yeah. Yep.\n\nOkay. Yeah. Yeah. Absolutely. And you've still got some kids living at home.\n\nThey're 18. Is that right? Yep. Yeah. Yep.\n\nOkay. Yep. Oh, that's beautiful. It takes a lot of patience and a very special person to work in that area. Yeah.\n\nOh, that's beautiful. That's fantastic. So do they sort of rely on you much financially at the moment? Yeah. It does.\n\nAbsolutely. Mhmm. Yes. Yeah. Yep.\n\nYep. Yeah. Yeah. Absolutely. No.\n\nPerfect. Well, we have certainly two avenues that we can definitely take. And sort of moving forward, there are some big changes to your circumstances that we may need to take into effect when we are updating the advice. Did you want us to look Benelung is showing it is down at the moment, but it isn't holding a huge amount of your portfolio back. As I mentioned, you had a great return over the past couple of years when we look at the compounding effect there.\n\nAnd if I just go back to the last twelve months sorry. Just running my computer. So the last twelve months shows even with Benelon having a bit of a callback, you still received about a 6.09% return. So you have done really well. And because your balance is certainly higher, as your balance does increase and keeps compounding, smaller changes are gonna make a bit more of an effect.\n\nWould you like us to provide the advice around the the switch in investments now, or did you maybe wanna do a bit of a catch up in another couple of weeks and see where things are going with your employer, and maybe factor in any other changes into the advice? What would you like us to do moving forward? How do you how comfortable do you feel? Yes. Yep.\n\nYes. Yep. Yeah. Yeah. Yes.\n\nYeah. Okay. Yeah. Absolutely. No.\n\nDefinitely. So you're comfortable with us doing the advice now, sort of looking at things now even with the the upcoming changes, or did you wanna maybe hold off a few weeks and and do everything together? Yep. Yeah. Yeah.\n\nThat's absolutely fine. We can do that. Not a problem. What I'd be wanting to do, because you are very close to looking at what this redundancy might look like, I may look at, obviously, what you are now, but then also factor in maybe what happens if there's no contributions going into your super and looking at strategies that kind of keep your super working because you are paying for your life and TB to get out of the super. So whilst it's you know, you want your super still to be growing, and with the life and TPD component, it's not a huge cost.\n\nAt the moment, the this year, the premium is about 1,387 and 73¢ coming out of super, so it's not a massive one. When we look at the earnings that has been generated by your portfolio over the last twelve months there, it shows the earnings for the growth plus the income is about 30,681. So you do see as your super gets as your balance increases that the compounding effect increases there. So it is a small portion, but I do just wanna see what the effect looks like if there's no contributions going in, and that kind of shows you moving forward. If you don't have a job in a few months' time, just making sure it is still working for you is important.\n\nIs that okay? Perfect. And when we do look at the different ways of investing, did you look at, your super very often? Do you Mhmm. Yep.\n\nYep. Yep. Yeah. Perfect. Yeah.\n\nYeah. Correct. Yeah. Yeah. Definitely.\n\nYou've still got to enjoy your retirement years too. Oh, I hope you are, Lisa. A long time to go. Yep. Perfect.\n\nNo. That's absolutely fine. I'm glad your son was really impressed with where things are going there. So one of the things I wanted to touch base on is there are different ways of investing. So having been along in your portfolio when you came on board originally was about having a little bit of an active manager in there.\n\nThe role of an active manager, you can pay a little bit more for these sorts of investments, but the role of an active manager is that they're supposed to be buying and selling. They're supposed to be investing within their strategy so that they're outperforming against the market because you do tend to pay a bit more for these sorts of managers in your portfolio. Now because Bannalong, unfortunately, have come back and had a bit of a dip there with their issues over the last few months, and even sort of when you look back, well, they have been a great investment over the couple of years, but they have had those times where they've had a bit of a pullback and have taken a little bit longer to kind of come back and recover from those instances. So it is definitely time to maybe look at removing them and putting something else in their place. But because you are getting closer and closer to the years where you're able to access Super, did you wanna keep more of an active manager in your portfolio, or would you like to look at something a little bit more low cost that might be more passively managed?\n\nPassive investments tend to track a certain index or the market as a whole, and they tend to be a bit more lower cost and can perform better than active managers in the long run as well. What would you like to sort of see with your investments? Yeah. Yep. Yeah.\n\nPerfect. And the one thing you mentioned to me, Jasmine, was really valuable was the value side of it. The other thing we sort of have been looking at is over the course of the last twelve months, our investment committee now. Directors here, along with utilizing BlackRock, which is one of Australia's largest investment firms, they have actually built a separately managed account. It's called an SMA.\n\nEssentially, what this is, it is an an investment account that you can hold on Hub twenty four. Inside that investment account, you have anywhere between 10 to 50 different investment options depending on what they see is valuable to have in that SMA. The benefits of having that sort of thing and where the value lies in that product is that you you kind of give us a bit more control around removing or moving around the investment options. So our investment committee with BlackRock's investment team meet on a regular basis. At the moment, it is kinda quarterly, and they review the investments within the portfolio there.\n\nIf, say, something happened like what has happened with black sorry. With Van Alon where the investments underperformed slightly, they feel like it should be moved out. By being in that SMA product, we can actually remove that and put something else in its place, and that means we don't need to update the advice very regularly for you. We have a lot more control around making those decisions and removing investments to give you value and make sure the investments are, you know, working harder. The downside to having that SMA is that when you look at your sleep, you don't see the nine different investment options.\n\nYou have a let little bit less visibility in the underlying investments, and you would see your balance and the estimated product you're in. We can send you regular reports when things change. We can send you transaction reports and trade reports and change reports and things like that to let you know what's happening, but it's more about the visibility in your super. Would you like to see yourself in something like that where changes can be made if they need to be made without kind of going through and waiting and having the conversation, or do you want a bit more visibility on the investments in your super? What sort of picks your fancy more?\n\nWhat do you wanna see? Yeah. Yeah. Perfect. Yep.\n\nPerfect. Yeah. Yeah. Yep. Mhmm.\n\nYes. Yep. Yep. Yep. Yeah.\n\nPerfect. Yep. No. That's a really good way of putting it. Excellent.\n\nSo it does sound like that estimated product would be fairly suitable for you. So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in. I'll also review the investments. I'll look at all the options. So the the separately managed account option as well as any other options we have for investments, just making sure that that's in line with you.\n\nWe also do factor in the CGT. So because your super balance is really well, you have done quite well over the years. We don't wanna obviously have too high a tax effect on your super. Your super fund has to account for CGT and income and earnings tax on a yearly basis as well. So we don't wanna, you know, cause anything that's gonna have too much of a tax effect.\n\nBut I can review all those different options for you, provide the advice document that shows you and outlines what what we're recommending, how, and why. And then when you get to have a look at that, you can decide whether you take on all the recommendations, some of them or none of them at all. Does that sound okay? Beautiful. Excellent.\n\nI'll account for what's happening with your circumstances now, but we'll also factor in the changes to come. So noting, you know, having a look at how it looks without any contributions as well just to sort of see what we might be expecting. And we'll probably put something in the advice document with the recommendations, but then also have the appendix aside with alternative options for you so you can kinda see the different scenarios we have looked at as well. Is that alright? Yeah.\n\nBeautiful. Now with your insurances, obviously, we're not gonna look at altering them in any way at the moment, but it is important because we are updating the advice around the investments in your suit. But with your insurance and being paid out of them, we do need to make sure we factor that into the scenario. You've got your licensed TPD component there. Essentially, your current licensed TPD sum insured is 464,814.\n\nHaving a look, you don't have any income protection at the moment. You're comfortable just with the life and TV. You don't wanna look at income protection while you're still working. You're happy with the cover you have. Is that right?\n\nDid you wanna look at anything else, or did you have any questions around the cover? Yep. That's okay. Yes. Yep.\n\nOkay. Yep. Okay. Yeah. Perfect.\n\nAnd do you have much in the way of annual leave or leave entitlements that you should also be able to get paid out when the time comes? Yep. Yep. Yep. Wow.\n\nYes. Yeah. Perfect. Yeah. Yeah.\n\nYeah. Yep. Wow. I mean, that contract you're on looks pretty nice. So, yeah, I'd be holding on to that too.\n\nWow. Yeah. Yeah. Yeah. Absolutely.\n\nWell, do keep us informed as what's happening. It does take us a couple of weeks to go back and have a look at the research and really put the plan together. There's a lot to sort of consider when we are doing the advice document. So if anything happens in the next couple of weeks, maybe if you could just let us know. Yeah.\n\nYeah. Just so we can kinda factor that in there for you. But as soon as we do have the advice ready to go, I'll get the team to book you back in. We'll go through it together so you can have a look at everything, and then you could decide what you wanna do. Yeah.\n\nAbsolutely. Most definitely. If anything happens, you just call the team. They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need. Okay?\n\nBeautiful. That's okay. The last thing I just wanna touch base on here with you, Lisa, is that having a bit of a look at your portfolio, your risk level. So you are in a growth portfolio, which generally sees about 80% of your super invested in growth assets with things like Australian super oh, sorry. Australian shares, international shares, listed property, and commodities, like some gold and silver.\n\nThis sort of a portfolio, you are taking a bit more risk in the market to obtain or potentially get those greater returns, and you would still see about 20% in those defensive investments of things like cash, bonds, and fixed interest. This sort of a portfolio generally suits someone who has about six years before they're wanting to access their super. So given your age and stage, it does fit you still. Are you fairly comfortable with that level of exposure? Did you wanna look at altering that at the moment?\n\nOr Yeah. Yeah. Yeah. Absolutely. Yeah.\n\nNo. That's okay. Yeah. Yeah. Yeah.\n\nNo. That's perfect. And that's why we do have that mix of the growth investments as well as the defensive asset allocation for you as well. So you are spreading the risk level there, having some of those growth investments to try and obtain greater potential returns, but also having some defensive investments to sort of fall back on in downtime. Defensive investments are good for income producing, but we also do have in your portfolio there a bit of physical gold, which is an alternative investment and tends to work both ways.\n\nSo it is quite good to have that level of exposure there. I did just wanted to quickly ask three questions just to kinda gauge whether there is any changes to the risk level as well when we are looking at that estimate product. Do you know when you're sort of hoping to realistically be able to access Super when your retirement age was that you would would really like? Mhmm. Okay.\n\nYep. Okay. Okay. Yeah. Perfect.\n\nWould like to access. Yep. Yep. Perfect. Absolutely.\n\nYeah. No. That's perfect. Yeah. Yeah.\n\nPerfect. Well, I can give you some good news. And whilst you can have 65, it's absolutely fine. At the age of 65, regardless of whether you're working or not, your super is made unrestricted nonpreserved. So you can access those funds regardless of whether you're working or not at 65.\n\nIf you decide earlier that you don't wish to work beyond the age of 60, 60, so long as you fully retire, is the age you can also access your super. So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well. Okay? Perfect. The next one here is asking about are you comfortable taking on a higher level of risk in order to get those greater potential returns, or do you consider yourself more moderate, medium, or do you think you're not wanting to take on much risk at all to get the best returns you possibly can?\n\nHow would you sort of rate yourself there? That's okay. Do you consider yourself happy to take on a higher level of risk to get greater potential returns? Do you consider yourself comfortable taking on a moderate or medium amount of risk to get the best returns you can or next to no risk to get the best returns possible? Yep.\n\nYep. Perfect. Excellent. And the last one here is have you ever considered taking out a loan to invest in shares or manage funds or you would not wanna borrow for for that sort of investing at all. Okay.\n\nYep. Yep. Okay. No. Of course.\n\nYes. Yes. No. That's okay. And when you look at your own lending side of things, is this your main primary residence that you've borrowed for in the past?\n\nYep. Yep. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nNo. Perfect. That's fantastic. Excellent. And I've just got one more question here with regard to that.\n\nThinking about your super balance at the moment, if you saw a fall over the next six months due to what was happening externally in the market, how do you think you're feeling about that? Are you feeling optimistic about the potential investment opportunities? Are you a bit cautious, concerned, or are you feeling a bit anxious? Yeah. Yeah.\n\nYeah. Okay. Yes. Yep. Uh-huh.\n\nYeah. You do you find yourself appreciating that time a lot more because of that? Yeah. Beautiful. Yeah.\n\nYeah. Yeah. Oh, absolutely. My kids are 19 and 20, and I understand exactly. It's very difficult out there, and we've had the same conversations.\n\nThey will need my help moving forward. So yeah. Yeah. Yeah. Yep.\n\nYeah. Perfect. No. Excellent. Fantastic.\n\nWell, I've got basically everything I needed to go back and have a really good look. I've got an understanding of where you're after with those questions there. You have still scored in that growth portfolio range. So happy to kinda keep you there for a bit longer given your age and stage and where you're up to. So we'll go back and do a bit of research there for you, have a look at everything that's going on, and update the advice strategy.\n\nIf in the meantime, something happens or changes that you need to let us know about, feel free to give us a call. And if you do have any additional questions and you wanna be booked back in with me, please give us a call, let us know, and the team will book you in for the first available appointment with myself. Okay? So, Hansi, thank you for taking my call, Lisa. Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment?\n\nAnd I'll ask you everything under the sun. Beautiful. Yeah. Yep. Yeah.\n\nOh, it's good. Yeah. Yep. Yep. Yeah.\n\nMhmm. Yeah. Absolutely. No. Definitely.\n\nWell, thank you so much for that. I'll let you go so you have a good afternoon. Hopefully, the day isn't as hectic as the morning has been there for you, and I'll get working on this research there for you as well. Oh, well yeah. Absolutely.\n\nPerfect. Well, while you're working your butt off there, I'll work mine off here, and we'll get that research completed for you. That's okay, Lisa. Thank you for your time this morning. I hope you have a good day.\n\nTalk to you soon. Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Lisa.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.12174008786678314},{"text":"This is Dana from OKIE Financial.","start":3.84,"end":5.38,"sentiment":"neutral","sentiment_score":0.15587198734283447},{"text":"How are you this morning?","start":5.44,"end":6.66,"sentiment":"neutral","sentiment_score":0.24952464699745178},{"text":"I'm very well.","start":9.5199995,"end":10.48,"sentiment":"positive","sentiment_score":0.5844118595123291},{"text":"Thank you.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.7015336155891418}],"sentiment":"neutral","sentiment_score":0.3101465635829502,"num_words":18,"start":3.1999998,"end":10.88},{"sentences":[{"text":"I had you pulled in for a bit of a catch up today.","start":10.88,"end":12.88,"sentiment":"neutral","sentiment_score":0.3174738689110829},{"text":"Is now still a good time there for you?","start":12.88,"end":14.9,"sentiment":"neutral","sentiment_score":0.3170062369770474},{"text":"Perfect.","start":16.965,"end":17.465,"sentiment":"positive","sentiment_score":0.45158517360687256},{"text":"How's your morning been so far?","start":17.685,"end":19.545,"sentiment":"neutral","sentiment_score":0.2221636896332105},{"text":"Oh, how's it?","start":23.925,"end":24.805,"sentiment":"neutral","sentiment_score":-0.0400250523040692}],"sentiment":"neutral","sentiment_score":0.27014714322285727,"num_words":32,"start":10.88,"end":24.805},{"sentences":[{"text":"I'm so sorry to hear that.","start":24.805,"end":25.925,"sentiment":"neutral","sentiment_score":-0.3083799481391907},{"text":"I'll try not to keep you too long.","start":25.925,"end":27.48,"sentiment":"neutral","sentiment_score":-0.20239240862429142},{"text":"Lisa, is this a bit of a catch up after your annual review we completed?","start":27.72,"end":30.699999,"sentiment":"neutral","sentiment_score":-0.006147984477380911},{"text":"Because we are discussing your personal information, I do wanna do security there with you.","start":30.76,"end":34.62,"sentiment":"neutral","sentiment_score":-0.0015260751048723857},{"text":"But first, just to let you know, we do record our calls for quality and training purposes.","start":34.68,"end":38.199997,"sentiment":"neutral","sentiment_score":0.08330064288833562}],"sentiment":"neutral","sentiment_score":-0.03554785118789458,"num_words":61,"start":24.805,"end":38.199997},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":38.199997,"end":40.22,"sentiment":"neutral","sentiment_score":0.12263786130481297},{"text":"Beautiful.","start":41.905,"end":42.305,"sentiment":"neutral","sentiment_score":0.19992217421531677},{"text":"And this is sorry.","start":42.305,"end":43.505,"sentiment":"neutral","sentiment_score":0.05422852747142315},{"text":"Just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":43.505,"end":48.965,"sentiment":"neutral","sentiment_score":0.0465560000246534},{"text":"Beautiful.","start":59.44,"end":59.84,"sentiment":"positive","sentiment_score":0.3951053023338318}],"sentiment":"neutral","sentiment_score":0.07624727655656455,"num_words":41,"start":38.199997,"end":59.84},{"sentences":[{"text":"Thank you so much for that.","start":59.84,"end":61.46,"sentiment":"positive","sentiment_score":0.5747544964154562},{"text":"Lisa, I had you booked in for a bit of a catch up.","start":61.68,"end":63.6,"sentiment":"neutral","sentiment_score":0.17387722776486322},{"text":"I know you completed your annual review with my colleague Samantha about a week or so ago, and she had sort of had a bit of a chat about your portfolio there.","start":63.6,"end":70.645,"sentiment":"neutral","sentiment_score":0.09971616440452635},{"text":"I've booked you in for a bit of a conversation in relation to one of the investments.","start":70.645,"end":74.085,"sentiment":"neutral","sentiment_score":0.05515097859589493},{"text":"Do you remember kinda going through that with her at all?","start":74.085,"end":76.425,"sentiment":"neutral","sentiment_score":0.01905946789140051}],"sentiment":"neutral","sentiment_score":0.1271780883964104,"num_words":79,"start":59.84,"end":76.425},{"sentences":[{"text":"Yeah.","start":78.18,"end":78.659996,"sentiment":"neutral","sentiment_score":0.08680108934640884},{"text":"That's okay.","start":78.659996,"end":79.38,"sentiment":"neutral","sentiment_score":0.129872415214777},{"text":"So the main so the reason we wanted to do the catch up with you is just to kinda go through what's been happening.","start":79.38,"end":84.18,"sentiment":"neutral","sentiment_score":0.10586623599131902},{"text":"One of your underlying investments has sort of seen a bit of a a change, and we wanted to touch base to, like, maybe have a chat about updating the advice for you.","start":84.18,"end":92.119995,"sentiment":"neutral","sentiment_score":0.07677458723386128},{"text":"In your portfolio and look when I have a look back at your portfolio over the course of the last year and when you have been onboard from 2022, you have seen some great returns there.","start":92.815,"end":102.035,"sentiment":"neutral","sentiment_score":0.28691642731428146}],"sentiment":"neutral","sentiment_score":0.16406133693332473,"num_words":96,"start":78.18,"end":102.035},{"sentences":[{"text":"From inception, your portfolio is up by 40.25%.","start":102.095,"end":105.935005,"sentiment":"neutral","sentiment_score":0.32398173585534096},{"text":"So when we look at that on an annual basis, it's about a 10.06% compounded return.","start":105.935005,"end":111.65,"sentiment":"neutral","sentiment_score":0.11841783439740539},{"text":"So you have done quite well.","start":111.71,"end":113.47,"sentiment":"positive","sentiment_score":0.46836057305336},{"text":"However, in the last couple of weeks that we have noted that, Ben, along your Australian equities portion of your portfolio has been underperforming slightly, and, essentially, that is because one of their underlying investments, Corporate Traveler, has got, unfortunately, been a bit dishonest.","start":113.47,"end":128.075,"sentiment":"negative","sentiment_score":-0.4422572558237748},{"text":"The market wasn't reporting correctly.","start":128.135,"end":129.915,"sentiment":"negative","sentiment_score":-0.5414278268814087}],"sentiment":"neutral","sentiment_score":-0.1882247558877438,"num_words":79,"start":102.095,"end":129.915},{"sentences":[{"text":"And that obviously had come out in their reports to the market there.","start":130.135,"end":134.07,"sentiment":"negative","sentiment_score":-0.37395405998596776},{"text":"It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well.","start":134.23001,"end":144.41,"sentiment":"neutral","sentiment_score":-0.33178416825830936},{"text":"We do want to start maybe moving you out of that and putting else in its place, but we just wanted to have a bit of a conversation to sorta get a feel for what you are after with regard to your investments there.","start":145.11,"end":154.35501,"sentiment":"neutral","sentiment_score":0.02244515810161829},{"text":"Does that all make sense so far?","start":154.35501,"end":155.875,"sentiment":"neutral","sentiment_score":0.0287770362836974},{"text":"Or yeah.","start":155.875,"end":158.77501,"sentiment":"neutral","sentiment_score":0.11688093654811382}],"sentiment":"neutral","sentiment_score":-0.1434255926584711,"num_words":98,"start":130.135,"end":158.77501},{"sentences":[{"text":"Perfect.","start":158.91501,"end":159.41501,"sentiment":"positive","sentiment_score":0.5224352478981018},{"text":"Essentially, when we are looking at maybe updating the investment strategy, I can see you expecting some changes to your circumstances over the next couple of months as well.","start":160.61,"end":169.27,"sentiment":"neutral","sentiment_score":0.21204005464397627},{"text":"I'm very sorry to hear that you might be made redundant.","start":169.73,"end":172.15001,"sentiment":"negative","sentiment_score":-0.4322232360189611},{"text":"Is there any kind of word on where that might be going at the moment?","start":172.53,"end":175.545,"sentiment":"neutral","sentiment_score":-0.12558797001838684},{"text":"Have they sort of given you an update at 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no?","start":255.235,"end":257.415,"sentiment":"neutral","sentiment_score":-0.07698588135341804},{"text":"Yeah.","start":270.69,"end":271.16998,"sentiment":"neutral","sentiment_score":0.07126723229885101},{"text":"Yeah.","start":271.16998,"end":271.66998,"sentiment":"neutral","sentiment_score":0.09292462468147278},{"text":"Yep.","start":275.61502,"end":276.11502,"sentiment":"neutral","sentiment_score":0.027353664860129356},{"text":"Yes.","start":279.135,"end":279.635,"sentiment":"neutral","sentiment_score":0.04202716052532196}],"sentiment":"neutral","sentiment_score":-0.02283426057547331,"num_words":10,"start":255.235,"end":279.635},{"sentences":[{"text":"Yep.","start":281.135,"end":281.635,"sentiment":"neutral","sentiment_score":0.09076046943664552},{"text":"Yeah.","start":290.35,"end":290.75,"sentiment":"neutral","sentiment_score":0.011710723862051964},{"text":"Okay.","start":290.75,"end":291.25,"sentiment":"neutral","sentiment_score":-0.0018938779830932615},{"text":"Yeah.","start":300.765,"end":301.245,"sentiment":"neutral","sentiment_score":-0.019526831805706024},{"text":"No.","start":301.245,"end":301.64502,"sentiment":"neutral","sentiment_score":-0.07544763386249542}],"sentiment":"neutral","sentiment_score":0.0011205699294805555,"num_words":5,"start":281.135,"end":301.64502},{"sentences":[{"text":"Understandable.","start":301.64502,"end":302.14502,"sentiment":"neutral","sentiment_score":-0.06584097445011139},{"text":"Yep.","start":309.41998,"end":309.91998,"sentiment":"neutral","sentiment_score":-0.07294335216283798},{"text":"Yeah.","start":314.3,"end":314.69998,"sentiment":"neutral","sentiment_score":-0.03366711735725403},{"text":"No.","start":314.69998,"end":315.02,"sentiment":"neutral","sentiment_score":-0.07243947684764862},{"text":"Completely 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you've still got some kids living at home.","start":379.285,"end":381.525,"sentiment":"neutral","sentiment_score":0.06242899348338445}],"sentiment":"neutral","sentiment_score":0.016511704199589215,"num_words":13,"start":363.28998,"end":381.525},{"sentences":[{"text":"They're 18.","start":381.525,"end":382.245,"sentiment":"neutral","sentiment_score":0.04390866681933403},{"text":"Is that 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area.","start":430.465,"end":433.84497,"sentiment":"positive","sentiment_score":0.35793584771454334},{"text":"Yeah.","start":444.59,"end":445.09,"sentiment":"neutral","sentiment_score":0.2059256136417389}],"sentiment":"positive","sentiment_score":0.3548372885720296,"num_words":22,"start":418.93,"end":445.09},{"sentences":[{"text":"Oh, that's beautiful.","start":455.565,"end":456.705,"sentiment":"positive","sentiment_score":0.6022185285886129},{"text":"That's fantastic.","start":456.76498,"end":457.585,"sentiment":"positive","sentiment_score":0.754856675863266},{"text":"So do they sort of rely on you much financially at the moment?","start":457.72498,"end":461.10498,"sentiment":"neutral","sentiment_score":0.01193017942401079},{"text":"Yeah.","start":465.32,"end":465.48,"sentiment":"neutral","sentiment_score":0.03886455297470093},{"text":"It 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we have certainly two avenues that we can definitely take.","start":508.315,"end":510.875,"sentiment":"neutral","sentiment_score":0.25535840304060414},{"text":"And sort of moving forward, there are some big changes to your circumstances that we may need to take into effect when we are updating the advice.","start":510.875,"end":517.61,"sentiment":"neutral","sentiment_score":0.007595783237505842},{"text":"Did you want us to look Benelung is showing it is down at the moment, but it isn't holding a huge amount of your portfolio back.","start":517.75,"end":523.83,"sentiment":"neutral","sentiment_score":-0.11536572701655902},{"text":"As I mentioned, you had a great return over the past couple of years when we look at the compounding effect there.","start":523.83,"end":530.33496,"sentiment":"positive","sentiment_score":0.5020149790427901}],"sentiment":"neutral","sentiment_score":0.13014411859899416,"num_words":87,"start":507.435,"end":530.33496},{"sentences":[{"text":"And if I just go back to the last twelve months sorry.","start":530.33496,"end":532.975,"sentiment":"neutral","sentiment_score":0.13322689291089773},{"text":"Just running my computer.","start":532.975,"end":534.33496,"sentiment":"neutral","sentiment_score":0.14242972619831562},{"text":"So the last twelve months shows even with Benelon having a bit of a callback, you still received about a 6.09% return.","start":534.33496,"end":540.57495,"sentiment":"positive","sentiment_score":0.43098033422773535},{"text":"So you have done really well.","start":540.57495,"end":542.51495,"sentiment":"positive","sentiment_score":0.7916695972283682},{"text":"And because your balance is certainly higher, as your balance does increase and keeps compounding, smaller changes are gonna make a bit more of an 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you're comfortable with us doing the advice now, sort of looking at things now even with the the upcoming changes, or did you wanna maybe hold off a few weeks and and do everything together?","start":635.935,"end":645.03,"sentiment":"positive","sentiment_score":0.3441467289295461},{"text":"Yep.","start":651.51,"end":652.01,"sentiment":"neutral","sentiment_score":0.05172180384397507},{"text":"Yeah.","start":659.76495,"end":660.26495,"sentiment":"neutral","sentiment_score":0.04049336910247803},{"text":"Yeah.","start":674.1,"end":674.5,"sentiment":"neutral","sentiment_score":0.24783523380756375}],"sentiment":"neutral","sentiment_score":0.3170191404409707,"num_words":40,"start":635.455,"end":674.5},{"sentences":[{"text":"That's absolutely fine.","start":674.5,"end":675.46,"sentiment":"positive","sentiment_score":0.481613556543986},{"text":"We can do that.","start":675.46,"end":676.1,"sentiment":"positive","sentiment_score":0.5797871053218842},{"text":"Not a 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out of super, so it's not a massive one.","start":702.02997,"end":711.71497,"sentiment":"neutral","sentiment_score":0.0778813986954364},{"text":"When we look at the earnings that has been generated by your portfolio over the last twelve months there, it shows the earnings for the growth plus the income is about 30,681.","start":712.015,"end":723.535,"sentiment":"neutral","sentiment_score":0.11825247691012919},{"text":"So you do see as your super gets as your balance increases that the compounding effect increases there.","start":723.535,"end":730.26,"sentiment":"neutral","sentiment_score":0.21065986322032082},{"text":"So it is a small portion, but I do just wanna see what the effect looks like if there's no contributions going in, and that kind of shows you moving forward.","start":730.26,"end":738.305,"sentiment":"neutral","sentiment_score":0.10226026946498502},{"text":"If you don't have a job in a few months' time, just making sure it is still working for you is important.","start":738.305,"end":744.165,"sentiment":"neutral","sentiment_score":0.17138130505653945}],"sentiment":"neutral","sentiment_score":0.1298384370803833,"num_words":126,"start":702.02997,"end":744.165},{"sentences":[{"text":"Is that okay?","start":744.225,"end":745.045,"sentiment":"neutral","sentiment_score":0.17181592682997385},{"text":"Perfect.","start":747.745,"end":748.245,"sentiment":"positive","sentiment_score":0.5878045558929443},{"text":"And when we do look at the different ways of investing, did you look at, your super very often?","start":748.305,"end":751.745,"sentiment":"neutral","sentiment_score":0.09361636952350014},{"text":"Do you Mhmm.","start":751.745,"end":762.62,"sentiment":"neutral","sentiment_score":0.028162251537044842},{"text":"Yep.","start":773.815,"end":774.315,"sentiment":"neutral","sentiment_score":0.09954231232404707}],"sentiment":"neutral","sentiment_score":0.11355527497276112,"num_words":27,"start":744.225,"end":774.315},{"sentences":[{"text":"Yep.","start":774.695,"end":775.195,"sentiment":"neutral","sentiment_score":0.10065778344869614},{"text":"Yep.","start":783.27,"end":783.77,"sentiment":"neutral","sentiment_score":0.08773650228977203},{"text":"Yeah.","start":795.36505,"end":795.86505,"sentiment":"neutral","sentiment_score":0.11199642717838287},{"text":"Perfect.","start":799.445,"end":799.945,"sentiment":"positive","sentiment_score":0.7148881554603577},{"text":"Yeah.","start":806.42,"end":806.92,"sentiment":"neutral","sentiment_score":0.04086168110370636}],"sentiment":"neutral","sentiment_score":0.21122810989618301,"num_words":5,"start":774.695,"end":806.92},{"sentences":[{"text":"Yeah.","start":811.69995,"end":812.19995,"sentiment":"neutral","sentiment_score":0.03640459477901459},{"text":"Correct.","start":825.635,"end":826.135,"sentiment":"neutral","sentiment_score":0.03759543225169182},{"text":"Yeah.","start":827.82,"end":828.14,"sentiment":"neutral","sentiment_score":0.06914583593606949},{"text":"Yeah.","start":828.14,"end":828.46,"sentiment":"neutral","sentiment_score":0.11199331283569336},{"text":"Definitely.","start":828.46,"end":828.86,"sentiment":"neutral","sentiment_score":0.21961849927902224}],"sentiment":"neutral","sentiment_score":0.0949515350162983,"num_words":5,"start":811.69995,"end":828.86},{"sentences":[{"text":"You've 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where things are going there.","start":842.375,"end":845.09503,"sentiment":"positive","sentiment_score":0.695985862841973},{"text":"So one of the things I wanted to touch base on is there are different ways of investing.","start":845.09503,"end":849.195,"sentiment":"neutral","sentiment_score":0.21070204426844916},{"text":"So having been along in your portfolio when you came on board originally was about having a little bit of an active manager in there.","start":849.255,"end":855.68,"sentiment":"neutral","sentiment_score":0.12469126269221306}],"sentiment":"neutral","sentiment_score":0.28881807619084915,"num_words":60,"start":840.935,"end":855.68},{"sentences":[{"text":"The role of an active manager, you can pay a little bit more for these sorts of investments, but the role of an active manager is that they're supposed to be buying and selling.","start":855.9,"end":863.52,"sentiment":"neutral","sentiment_score":0.10572119517361417},{"text":"They're supposed to be investing within their strategy so that they're outperforming against the market because you do tend to pay a bit more for these sorts of managers in your portfolio.","start":863.66003,"end":872.435,"sentiment":"neutral","sentiment_score":0.14896769961342216},{"text":"Now because Bannalong, unfortunately, have come back and had a bit of a dip there with their issues over the last few months, and even sort of when you look back, well, they have been a great investment over the couple of years, but they have had those times where they've had a bit of a pullback and have taken a little bit longer to kind of come back and recover from those instances.","start":872.895,"end":890.95996,"sentiment":"neutral","sentiment_score":-0.17716840397868608},{"text":"So it is definitely time to maybe look at removing them and putting something else in their place.","start":891.01996,"end":895.27997,"sentiment":"neutral","sentiment_score":-0.23648100015189913},{"text":"But because you are getting closer and closer to the years where you're able to access Super, did you wanna keep more of an active manager in your portfolio, or would you like to look at something a little bit more low cost that might be more passively managed?","start":895.505,"end":908.64496,"sentiment":"neutral","sentiment_score":0.04967839407677553}],"sentiment":"neutral","sentiment_score":-0.03174585296551962,"num_words":207,"start":855.9,"end":908.64496},{"sentences":[{"text":"Passive investments tend to track a certain index or the market as a whole, and they tend to be a bit more lower cost and can perform better than active managers in the long run as well.","start":909.41,"end":919.88995,"sentiment":"neutral","sentiment_score":0.2215243104744602},{"text":"What would you like to sort of see with your investments?","start":919.88995,"end":922.31,"sentiment":"neutral","sentiment_score":0.03437023017216812},{"text":"Yeah.","start":928.935,"end":929.435,"sentiment":"neutral","sentiment_score":0.031864333897829056},{"text":"Yep.","start":936.23004,"end":936.73004,"sentiment":"neutral","sentiment_score":0.09517042338848114},{"text":"Yeah.","start":942.15,"end":942.63,"sentiment":"neutral","sentiment_score":0.2810061573982239}],"sentiment":"neutral","sentiment_score":0.1761277045908512,"num_words":51,"start":909.41,"end":942.63},{"sentences":[{"text":"Perfect.","start":942.63,"end":943.13,"sentiment":"positive","sentiment_score":0.45877742767333984},{"text":"And the one thing you mentioned to me, Jasmine, was really valuable was the value side of it.","start":943.19,"end":947.865,"sentiment":"positive","sentiment_score":0.36993914511468673},{"text":"The other thing we sort of have been looking at is over the course of the last twelve months, our investment committee now.","start":948.105,"end":953.545,"sentiment":"neutral","sentiment_score":0.07076701035966045},{"text":"Directors here, along with utilizing BlackRock, which is one of Australia's largest investment firms, they have actually built a separately managed account.","start":953.545,"end":961.945,"sentiment":"neutral","sentiment_score":0.09623429060659626},{"text":"It's called an SMA.","start":961.945,"end":963.165,"sentiment":"neutral","sentiment_score":0.10263150930404663}],"sentiment":"neutral","sentiment_score":0.16577946630251758,"num_words":68,"start":942.63,"end":963.165},{"sentences":[{"text":"Essentially, what this is, it is an an investment account that you can hold on Hub twenty four.","start":963.72,"end":970.06,"sentiment":"neutral","sentiment_score":0.08906510368817383},{"text":"Inside that investment account, you have anywhere between 10 to 50 different investment options depending on what they see is valuable to have in that SMA.","start":970.51996,"end":978.77997,"sentiment":"neutral","sentiment_score":0.15468775008160335},{"text":"The benefits of having that sort of thing and where the value lies in that product is that you you kind of give us a bit more control around removing or moving around the investment options.","start":979.57495,"end":990.375,"sentiment":"neutral","sentiment_score":0.30169843489097226},{"text":"So our investment committee with BlackRock's investment team meet on a regular basis.","start":990.375,"end":994.77496,"sentiment":"neutral","sentiment_score":0.11791577476721543},{"text":"At the moment, it is kinda quarterly, and they review the investments within the portfolio there.","start":994.77496,"end":1000.37,"sentiment":"neutral","sentiment_score":0.09191415458917618}],"sentiment":"neutral","sentiment_score":0.17880484926591225,"num_words":109,"start":963.72,"end":1000.37},{"sentences":[{"text":"If, say, something happened like what has happened with black sorry.","start":1000.43,"end":1003.87,"sentiment":"neutral","sentiment_score":-0.06600926308469339},{"text":"With Van Alon where the investments underperformed slightly, they feel like it should be moved out.","start":1003.87,"end":1008.965,"sentiment":"neutral","sentiment_score":-0.18311529466882348},{"text":"By being in that SMA product, we can actually remove that and put something else in its place, and that means we don't need to update the advice very regularly for you.","start":1009.425,"end":1018.305,"sentiment":"neutral","sentiment_score":0.2154879472218454},{"text":"We have a lot more control around making those decisions and removing investments to give you value and make sure the investments are, you know, working harder.","start":1018.305,"end":1026.1901,"sentiment":"positive","sentiment_score":0.49610742650650164},{"text":"The downside to having that SMA is that when you look at your sleep, you don't see the nine different investment options.","start":1026.97,"end":1032.81,"sentiment":"neutral","sentiment_score":-0.25869140977209265}],"sentiment":"neutral","sentiment_score":0.10132738151070145,"num_words":108,"start":1000.43,"end":1032.81},{"sentences":[{"text":"You have a let little bit less visibility in the underlying investments, and you would see your balance and the estimated product you're in.","start":1032.81,"end":1040.145,"sentiment":"neutral","sentiment_score":-0.243573815561831},{"text":"We can send you regular reports when things change.","start":1040.365,"end":1043.165,"sentiment":"neutral","sentiment_score":-0.005341729356182946},{"text":"We can send you transaction reports and trade reports and change reports and things like that to let you know what's happening, but it's more about the visibility in your super.","start":1043.165,"end":1051.825,"sentiment":"neutral","sentiment_score":0.05432301503418374},{"text":"Would you like to see yourself in something like that where changes can be made if they need to be made without kind of going through and waiting and having the conversation, or do you want a bit more visibility on the investments in your super?","start":1052.25,"end":1064.49,"sentiment":"neutral","sentiment_score":0.10209127612735915},{"text":"What sort of picks your fancy more?","start":1064.49,"end":1066.09,"sentiment":"neutral","sentiment_score":-0.027042485773563385}],"sentiment":"neutral","sentiment_score":0.0025390395710571134,"num_words":117,"start":1032.81,"end":1066.09},{"sentences":[{"text":"What do you wanna see?","start":1066.09,"end":1067.39,"sentiment":"neutral","sentiment_score":-0.02802259512245655},{"text":"Yeah.","start":1074.515,"end":1075.015,"sentiment":"neutral","sentiment_score":-0.02563592791557312},{"text":"Yeah.","start":1078.515,"end":1078.995,"sentiment":"neutral","sentiment_score":0.07725878059864044},{"text":"Perfect.","start":1078.995,"end":1079.495,"sentiment":"neutral","sentiment_score":0.19752907752990723},{"text":"Yep.","start":1084.55,"end":1085.05,"sentiment":"neutral","sentiment_score":0.004560383968055248}],"sentiment":"neutral","sentiment_score":0.012622148729860783,"num_words":9,"start":1066.09,"end":1085.05},{"sentences":[{"text":"Perfect.","start":1085.8301,"end":1086.3301,"sentiment":"neutral","sentiment_score":-0.006379920989274979},{"text":"Yeah.","start":1095.685,"end":1096.185,"sentiment":"neutral","sentiment_score":-0.045835040509700775},{"text":"Yeah.","start":1100.885,"end":1101.385,"sentiment":"neutral","sentiment_score":-0.05707031488418579},{"text":"Yep.","start":1105.0599,"end":1105.5599,"sentiment":"neutral","sentiment_score":-0.07284224778413773},{"text":"Mhmm.","start":1107.86,"end":1108.36,"sentiment":"neutral","sentiment_score":-0.08800205588340759}],"sentiment":"neutral","sentiment_score":-0.054025916010141374,"num_words":5,"start":1085.8301,"end":1108.36},{"sentences":[{"text":"Yes.","start":1109.86,"end":1110.2599,"sentiment":"neutral","sentiment_score":-0.08564583957195282},{"text":"Yep.","start":1110.2599,"end":1110.7599,"sentiment":"neutral","sentiment_score":-0.1362421214580536},{"text":"Yep.","start":1114.6599,"end":1115.1599,"sentiment":"neutral","sentiment_score":-0.10299265384674072},{"text":"Yep.","start":1122.115,"end":1122.615,"sentiment":"neutral","sentiment_score":-0.012892506085336208},{"text":"Yeah.","start":1128.45,"end":1128.9299,"sentiment":"neutral","sentiment_score":0.33319538831710815}],"sentiment":"neutral","sentiment_score":-0.0009155465289950371,"num_words":5,"start":1109.86,"end":1128.9299},{"sentences":[{"text":"Perfect.","start":1128.9299,"end":1129.4299,"sentiment":"positive","sentiment_score":0.5557824373245239},{"text":"Yep.","start":1129.89,"end":1130.37,"sentiment":"neutral","sentiment_score":0.2974807024002075},{"text":"No.","start":1130.37,"end":1130.53,"sentiment":"neutral","sentiment_score":0.2507873773574829},{"text":"That's a really good way of putting it.","start":1130.53,"end":1131.97,"sentiment":"positive","sentiment_score":0.5799737796187401},{"text":"Excellent.","start":1131.97,"end":1132.2899,"sentiment":"positive","sentiment_score":0.7664088010787964}],"sentiment":"positive","sentiment_score":0.5425207962592443,"num_words":12,"start":1128.9299,"end":1132.2899},{"sentences":[{"text":"So it does sound like that estimated product would be fairly suitable for you.","start":1132.2899,"end":1135.97,"sentiment":"positive","sentiment_score":0.6469244488648006},{"text":"So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in.","start":1135.97,"end":1140.13,"sentiment":"neutral","sentiment_score":0.20850275613759695},{"text":"I'll also review the investments.","start":1140.13,"end":1141.59,"sentiment":"neutral","sentiment_score":0.09884964823722839},{"text":"I'll look at all the options.","start":1141.65,"end":1142.835,"sentiment":"neutral","sentiment_score":0.12288724631071091},{"text":"So the the separately managed account option as well as any other options we have for investments, just making sure that that's in line with you.","start":1143.075,"end":1150.835,"sentiment":"neutral","sentiment_score":0.1896764120230308}],"sentiment":"neutral","sentiment_score":0.2740236154624394,"num_words":70,"start":1132.2899,"end":1150.835},{"sentences":[{"text":"We also do factor in the CGT.","start":1150.835,"end":1152.615,"sentiment":"neutral","sentiment_score":0.11166347456829888},{"text":"So because your super balance is really well, you have done quite well over the years.","start":1152.6749,"end":1156.63,"sentiment":"neutral","sentiment_score":0.32350972667336464},{"text":"We don't wanna obviously have too high a tax effect on your super.","start":1156.63,"end":1160.41,"sentiment":"neutral","sentiment_score":-0.005520343852157776},{"text":"Your super fund has to account for CGT and income and earnings tax on a yearly basis as well.","start":1160.55,"end":1165.75,"sentiment":"neutral","sentiment_score":0.06725221646851615},{"text":"So we don't wanna, you know, cause anything that's gonna have too much of a tax effect.","start":1165.75,"end":1170.345,"sentiment":"neutral","sentiment_score":-0.0068905277396826186}],"sentiment":"neutral","sentiment_score":0.09787067527779275,"num_words":72,"start":1150.835,"end":1170.345},{"sentences":[{"text":"But I can review all those different options for you, provide the advice document that shows you and outlines what what we're recommending, how, and why.","start":1170.745,"end":1178.525,"sentiment":"neutral","sentiment_score":0.1382828799004738},{"text":"And then when you get to have a look at that, you can decide whether you take on all the recommendations, some of them or none of them at all.","start":1178.6649,"end":1184.825,"sentiment":"neutral","sentiment_score":0.10673474955062072},{"text":"Does that sound okay?","start":1184.825,"end":1186.0449,"sentiment":"neutral","sentiment_score":0.1359560377895832},{"text":"Beautiful.","start":1189.0399,"end":1189.5399,"sentiment":"positive","sentiment_score":0.6062048673629761},{"text":"Excellent.","start":1189.6,"end":1190.0,"sentiment":"positive","sentiment_score":0.5529881715774536}],"sentiment":"neutral","sentiment_score":0.13710346054886619,"num_words":62,"start":1170.745,"end":1190.0},{"sentences":[{"text":"I'll account for what's happening with your circumstances now, but we'll also factor in the changes to come.","start":1190.0,"end":1194.7999,"sentiment":"neutral","sentiment_score":0.1999902774890264},{"text":"So noting, you know, having a look at how it looks without any contributions as well just to sort of see what we might be expecting.","start":1194.7999,"end":1201.585,"sentiment":"neutral","sentiment_score":0.1124842268629716},{"text":"And we'll probably put something in the advice document with the recommendations, but then also have the appendix aside with alternative options for you so you can kinda see the different scenarios we have looked at as well.","start":1201.585,"end":1212.385,"sentiment":"neutral","sentiment_score":0.1354036821346534},{"text":"Is that alright?","start":1212.385,"end":1213.285,"sentiment":"neutral","sentiment_score":0.10868338247140248},{"text":"Yeah.","start":1214.25,"end":1214.75,"sentiment":"neutral","sentiment_score":0.28599676489830017}],"sentiment":"neutral","sentiment_score":0.14281164798452411,"num_words":86,"start":1190.0,"end":1214.75},{"sentences":[{"text":"Beautiful.","start":1214.81,"end":1215.31,"sentiment":"positive","sentiment_score":0.4617300033569336},{"text":"Now with your insurances, obviously, we're not gonna look at altering them in any way at the moment, but it is important because we are updating the advice around the investments in your suit.","start":1216.01,"end":1224.73,"sentiment":"neutral","sentiment_score":0.04240255697411211},{"text":"But with your insurance and being paid out of them, we do need to make sure we factor that into the scenario.","start":1224.73,"end":1229.455,"sentiment":"neutral","sentiment_score":-0.09629153663461859},{"text":"You've got your licensed TPD component there.","start":1230.315,"end":1232.955,"sentiment":"neutral","sentiment_score":0.007649511631046023},{"text":"Essentially, your current licensed TPD sum insured is 464,814.","start":1232.955,"end":1238.895,"sentiment":"neutral","sentiment_score":-0.00079839743880762}],"sentiment":"neutral","sentiment_score":-0.002310080287901506,"num_words":73,"start":1214.81,"end":1238.895},{"sentences":[{"text":"Having a look, you don't have any income protection at the moment.","start":1239.675,"end":1242.7999,"sentiment":"neutral","sentiment_score":-0.23167592907945314},{"text":"You're comfortable just with the life and TV.","start":1243.1,"end":1245.2599,"sentiment":"neutral","sentiment_score":0.11471026437357068},{"text":"You don't wanna look at income protection while you're still working.","start":1245.2599,"end":1248.2999,"sentiment":"neutral","sentiment_score":-0.14862324568358334},{"text":"You're happy with the cover you have.","start":1248.2999,"end":1250.1399,"sentiment":"positive","sentiment_score":0.4102794017110552},{"text":"Is that right?","start":1250.1399,"end":1250.7799,"sentiment":"neutral","sentiment_score":0.18842045962810516}],"sentiment":"neutral","sentiment_score":-0.0014650620883557854,"num_words":41,"start":1239.675,"end":1250.7799},{"sentences":[{"text":"Did you wanna look at anything else, or did you have any questions around the cover?","start":1250.7799,"end":1254.72,"sentiment":"neutral","sentiment_score":0.019837821484543383},{"text":"Yep.","start":1258.705,"end":1259.205,"sentiment":"neutral","sentiment_score":-0.012490451335906982},{"text":"That's okay.","start":1260.945,"end":1261.7649,"sentiment":"neutral","sentiment_score":0.054047233425080776},{"text":"Yes.","start":1267.6,"end":1268.1,"sentiment":"neutral","sentiment_score":0.13337865471839905},{"text":"Yep.","start":1273.84,"end":1274.34,"sentiment":"neutral","sentiment_score":0.09477078914642334}],"sentiment":"neutral","sentiment_score":0.03053136205389386,"num_words":21,"start":1250.7799,"end":1274.34},{"sentences":[{"text":"Okay.","start":1276.48,"end":1276.98,"sentiment":"neutral","sentiment_score":0.08923614025115967},{"text":"Yep.","start":1284.095,"end":1284.595,"sentiment":"neutral","sentiment_score":0.054618608206510544},{"text":"Okay.","start":1295.23,"end":1295.73,"sentiment":"neutral","sentiment_score":0.048306483775377274},{"text":"Yeah.","start":1297.87,"end":1298.35,"sentiment":"neutral","sentiment_score":0.21407607197761536},{"text":"Perfect.","start":1298.35,"end":1298.75,"sentiment":"positive","sentiment_score":0.39191934466362}],"sentiment":"neutral","sentiment_score":0.15963132977485656,"num_words":5,"start":1276.48,"end":1298.75},{"sentences":[{"text":"And do you have much in the way of annual leave or leave entitlements that you should also be able to get paid out when the time comes?","start":1298.75,"end":1306.13,"sentiment":"neutral","sentiment_score":0.10904943943023682},{"text":"Yep.","start":1313.505,"end":1314.005,"sentiment":"neutral","sentiment_score":0.044421713799238205},{"text":"Yep.","start":1317.905,"end":1318.405,"sentiment":"neutral","sentiment_score":0.07475742697715759},{"text":"Yep.","start":1331.2949,"end":1331.7949,"sentiment":"neutral","sentiment_score":0.08918516337871552},{"text":"Wow.","start":1341.695,"end":1342.195,"sentiment":"neutral","sentiment_score":0.06435137987136841}],"sentiment":"neutral","sentiment_score":0.1039406246272847,"num_words":32,"start":1298.75,"end":1342.195},{"sentences":[{"text":"Yes.","start":1350.0299,"end":1350.5299,"sentiment":"neutral","sentiment_score":0.05732955783605576},{"text":"Yeah.","start":1350.59,"end":1351.07,"sentiment":"neutral","sentiment_score":0.11096356064081192},{"text":"Perfect.","start":1351.07,"end":1351.57,"sentiment":"neutral","sentiment_score":0.24858209490776065},{"text":"Yeah.","start":1367.9,"end":1368.4,"sentiment":"neutral","sentiment_score":-0.1221432089805603},{"text":"Yeah.","start":1369.42,"end":1369.92,"sentiment":"neutral","sentiment_score":-0.09602390229701996}],"sentiment":"neutral","sentiment_score":0.03974162042140961,"num_words":5,"start":1350.0299,"end":1369.92},{"sentences":[{"text":"Yeah.","start":1377.1,"end":1377.6,"sentiment":"neutral","sentiment_score":-0.1144588142633438},{"text":"Yep.","start":1382.345,"end":1382.845,"sentiment":"neutral","sentiment_score":-0.1844165325164795},{"text":"Wow.","start":1386.105,"end":1386.605,"sentiment":"neutral","sentiment_score":0.029390819370746613},{"text":"I mean, that contract you're on looks pretty nice.","start":1386.665,"end":1389.3251,"sentiment":"neutral","sentiment_score":0.15360595948166317},{"text":"So, yeah, I'd be holding on to that too.","start":1389.385,"end":1391.5651,"sentiment":"neutral","sentiment_score":-0.023806468687123723}],"sentiment":"neutral","sentiment_score":0.042795756654370395,"num_words":21,"start":1377.1,"end":1391.5651},{"sentences":[{"text":"Wow.","start":1403.99,"end":1404.49,"sentiment":"neutral","sentiment_score":-0.033703822642564774},{"text":"Yeah.","start":1407.655,"end":1408.155,"sentiment":"neutral","sentiment_score":-0.04810275882482529},{"text":"Yeah.","start":1410.695,"end":1411.195,"sentiment":"neutral","sentiment_score":-0.03586222231388092},{"text":"Yeah.","start":1414.775,"end":1415.275,"sentiment":"neutral","sentiment_score":0.07660005986690521},{"text":"Absolutely.","start":1415.415,"end":1415.915,"sentiment":"neutral","sentiment_score":0.2586648166179657}],"sentiment":"neutral","sentiment_score":0.04351921454071998,"num_words":5,"start":1403.99,"end":1415.915},{"sentences":[{"text":"Well, do keep us informed as what's happening.","start":1416.2949,"end":1418.51,"sentiment":"neutral","sentiment_score":0.26233564503490925},{"text":"It does take us a couple of weeks to go back and have a look at the research and really put the plan together.","start":1418.51,"end":1423.87,"sentiment":"neutral","sentiment_score":0.17105481401085854},{"text":"There's a lot to sort of consider when we are doing the advice document.","start":1423.87,"end":1426.9299,"sentiment":"neutral","sentiment_score":0.030349974653550556},{"text":"So if anything happens in the next couple of weeks, maybe if you could just let us know.","start":1426.99,"end":1431.97,"sentiment":"neutral","sentiment_score":0.04265801691346698},{"text":"Yeah.","start":1432.5449,"end":1433.0449,"sentiment":"neutral","sentiment_score":0.05773196369409561}],"sentiment":"neutral","sentiment_score":0.11468425553578597,"num_words":65,"start":1416.2949,"end":1433.0449},{"sentences":[{"text":"Yeah.","start":1433.105,"end":1433.4249,"sentiment":"neutral","sentiment_score":0.05037897825241089},{"text":"Just so we can kinda factor that in there for you.","start":1433.4249,"end":1436.0049,"sentiment":"neutral","sentiment_score":0.091743297197602},{"text":"But as soon as we do have the advice ready to go, I'll get the team to book you back in.","start":1436.1449,"end":1439.9049,"sentiment":"neutral","sentiment_score":0.07916444380368505},{"text":"We'll go through it together so you can have a look at everything, and then you could decide what you wanna do.","start":1439.9049,"end":1444.3849,"sentiment":"neutral","sentiment_score":0.07923471639779481},{"text":"Yeah.","start":1444.3849,"end":1444.8849,"sentiment":"neutral","sentiment_score":0.06749661266803741}],"sentiment":"neutral","sentiment_score":0.08094051679862398,"num_words":56,"start":1433.105,"end":1444.8849},{"sentences":[{"text":"Absolutely.","start":1448.2999,"end":1448.7999,"sentiment":"neutral","sentiment_score":0.2773536145687103},{"text":"Most definitely.","start":1449.1,"end":1449.9199,"sentiment":"neutral","sentiment_score":0.30146051943302155},{"text":"If anything happens, you just call the team.","start":1449.98,"end":1451.9,"sentiment":"neutral","sentiment_score":0.2523008305579424},{"text":"They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need.","start":1451.9,"end":1459.02,"sentiment":"neutral","sentiment_score":0.25037713569623454},{"text":"Okay?","start":1459.02,"end":1459.52,"sentiment":"neutral","sentiment_score":0.1528012454509735}],"sentiment":"neutral","sentiment_score":0.25158115915763074,"num_words":39,"start":1448.2999,"end":1459.52},{"sentences":[{"text":"Beautiful.","start":1460.745,"end":1461.245,"sentiment":"positive","sentiment_score":0.6502572298049927},{"text":"That's okay.","start":1461.7051,"end":1462.8251,"sentiment":"positive","sentiment_score":0.35316817462444305},{"text":"The last thing I just wanna touch base on here with you, Lisa, is that having a bit of a look at your portfolio, your risk level.","start":1462.8251,"end":1468.905,"sentiment":"neutral","sentiment_score":0.10747404479318196},{"text":"So you are in a growth portfolio, which generally sees about 80% of your super invested in growth assets with things like Australian super oh, sorry.","start":1468.905,"end":1476.92,"sentiment":"neutral","sentiment_score":0.09240144247619006},{"text":"Australian shares, international shares, listed property, and commodities, like some gold and silver.","start":1476.92,"end":1481.42,"sentiment":"neutral","sentiment_score":0.07856345234008935}],"sentiment":"neutral","sentiment_score":0.1113355822213318,"num_words":69,"start":1460.745,"end":1481.42},{"sentences":[{"text":"This sort of a portfolio, you are taking a bit more risk in the market to obtain or potentially get those greater returns, and you would still see about 20% in those defensive investments of things like cash, bonds, and fixed interest.","start":1482.04,"end":1494.555,"sentiment":"neutral","sentiment_score":0.15471269828932627},{"text":"This sort of a portfolio generally suits someone who has about six years before they're wanting to access their super.","start":1494.855,"end":1500.2151,"sentiment":"neutral","sentiment_score":0.21647804602980614},{"text":"So given your age and stage, it does fit you still.","start":1500.2151,"end":1503.1951,"sentiment":"neutral","sentiment_score":0.32714777372100134},{"text":"Are you fairly comfortable with that level of exposure?","start":1503.8301,"end":1507.21,"sentiment":"neutral","sentiment_score":0.13023115280601713},{"text":"Did you wanna look at altering that at the moment?","start":1507.27,"end":1509.53,"sentiment":"neutral","sentiment_score":0.00927046574652195}],"sentiment":"neutral","sentiment_score":0.17055331296085016,"num_words":92,"start":1482.04,"end":1509.53},{"sentences":[{"text":"Or Yeah.","start":1509.67,"end":1519.0651,"sentiment":"neutral","sentiment_score":0.0069020651280879974},{"text":"Yeah.","start":1524.725,"end":1525.225,"sentiment":"neutral","sentiment_score":-0.226165771484375},{"text":"Yeah.","start":1529.06,"end":1529.4601,"sentiment":"neutral","sentiment_score":-0.04050862789154053},{"text":"Absolutely.","start":1529.4601,"end":1529.9601,"sentiment":"neutral","sentiment_score":-0.007225248962640762},{"text":"Yeah.","start":1530.74,"end":1531.24,"sentiment":"neutral","sentiment_score":-0.02124861255288124}],"sentiment":"neutral","sentiment_score":-0.04689068843921026,"num_words":6,"start":1509.67,"end":1531.24},{"sentences":[{"text":"No.","start":1531.3,"end":1531.4601,"sentiment":"neutral","sentiment_score":-0.058139316737651825},{"text":"That's okay.","start":1531.4601,"end":1532.28,"sentiment":"neutral","sentiment_score":0.004009785130620003},{"text":"Yeah.","start":1538.3401,"end":1538.8401,"sentiment":"neutral","sentiment_score":0.016471048817038536},{"text":"Yeah.","start":1539.315,"end":1539.815,"sentiment":"neutral","sentiment_score":0.00906936451792717},{"text":"Yeah.","start":1546.195,"end":1546.695,"sentiment":"neutral","sentiment_score":-0.01402001455426216}],"sentiment":"neutral","sentiment_score":-0.006433224615951379,"num_words":6,"start":1531.3,"end":1546.695},{"sentences":[{"text":"No.","start":1546.7549,"end":1546.995,"sentiment":"neutral","sentiment_score":-0.026274532079696655},{"text":"That's perfect.","start":1546.995,"end":1547.6349,"sentiment":"neutral","sentiment_score":0.13720975071191788},{"text":"And that's why we do have that mix of the growth investments as well as the defensive asset allocation for you as well.","start":1547.6349,"end":1553.1549,"sentiment":"neutral","sentiment_score":0.15038379055002463},{"text":"So you are spreading the risk level there, having some of those growth investments to try and obtain greater potential returns, but also having some defensive investments to sort of fall back on in downtime.","start":1553.1549,"end":1563.67,"sentiment":"neutral","sentiment_score":0.036279018010411945},{"text":"Defensive investments are good for income producing, but we also do have in your portfolio there a bit of physical gold, which is an alternative investment and tends to work both ways.","start":1564.69,"end":1573.545,"sentiment":"neutral","sentiment_score":0.20877567632123828}],"sentiment":"neutral","sentiment_score":0.12535010134020158,"num_words":93,"start":1546.7549,"end":1573.545},{"sentences":[{"text":"So it is quite good to have that level of exposure there.","start":1573.545,"end":1578.285,"sentiment":"positive","sentiment_score":0.3876126805941264},{"text":"I did just wanted to quickly ask three questions just to kinda gauge whether there is any changes to the risk level as well when we are looking at that estimate product.","start":1578.665,"end":1587.14,"sentiment":"neutral","sentiment_score":0.09673893661238253},{"text":"Do you know when you're sort of hoping to realistically be able to access Super when your retirement age was that you would would really like?","start":1588.0,"end":1596.1,"sentiment":"neutral","sentiment_score":0.1515845716572725},{"text":"Mhmm.","start":1605.615,"end":1606.115,"sentiment":"neutral","sentiment_score":-0.02336512506008148},{"text":"Okay.","start":1612.99,"end":1613.49,"sentiment":"neutral","sentiment_score":-0.022550182417035103}],"sentiment":"neutral","sentiment_score":0.16169835686580175,"num_words":72,"start":1573.545,"end":1613.49},{"sentences":[{"text":"Yep.","start":1616.27,"end":1616.77,"sentiment":"neutral","sentiment_score":0.05752412974834442},{"text":"Okay.","start":1621.55,"end":1622.05,"sentiment":"neutral","sentiment_score":0.046214282512664795},{"text":"Okay.","start":1622.415,"end":1622.915,"sentiment":"neutral","sentiment_score":0.05849993973970413},{"text":"Yeah.","start":1629.775,"end":1630.275,"sentiment":"neutral","sentiment_score":0.2157895714044571},{"text":"Perfect.","start":1630.3351,"end":1630.8351,"sentiment":"positive","sentiment_score":0.407647967338562}],"sentiment":"neutral","sentiment_score":0.1571351781487465,"num_words":5,"start":1616.27,"end":1630.8351},{"sentences":[{"text":"Would like to access.","start":1636.91,"end":1638.05,"sentiment":"neutral","sentiment_score":0.09338602237403393},{"text":"Yep.","start":1638.8301,"end":1639.3301,"sentiment":"neutral","sentiment_score":0.13091859221458435},{"text":"Yep.","start":1641.9501,"end":1642.4501,"sentiment":"neutral","sentiment_score":0.2105167806148529},{"text":"Perfect.","start":1645.63,"end":1646.13,"sentiment":"positive","sentiment_score":0.4036788940429687},{"text":"Absolutely.","start":1649.135,"end":1649.635,"sentiment":"neutral","sentiment_score":0.29682689905166626}],"sentiment":"neutral","sentiment_score":0.176935656927526,"num_words":8,"start":1636.91,"end":1649.635},{"sentences":[{"text":"Yeah.","start":1650.175,"end":1650.675,"sentiment":"neutral","sentiment_score":0.12011684477329254},{"text":"No.","start":1650.735,"end":1650.895,"sentiment":"neutral","sentiment_score":0.03133734315633774},{"text":"That's perfect.","start":1650.895,"end":1651.7151,"sentiment":"neutral","sentiment_score":0.24281853437423706},{"text":"Yeah.","start":1655.535,"end":1656.035,"sentiment":"neutral","sentiment_score":0.09364751726388933},{"text":"Yeah.","start":1658.015,"end":1658.255,"sentiment":"neutral","sentiment_score":0.31924134492874146}],"sentiment":"neutral","sentiment_score":0.17499668647845587,"num_words":6,"start":1650.175,"end":1658.255},{"sentences":[{"text":"Perfect.","start":1658.255,"end":1658.5751,"sentiment":"positive","sentiment_score":0.5824435949325562},{"text":"Well, I can give you some good news.","start":1658.5751,"end":1660.015,"sentiment":"positive","sentiment_score":0.625515453517437},{"text":"And whilst you can have 65, it's absolutely fine.","start":1660.015,"end":1662.6799,"sentiment":"positive","sentiment_score":0.33842317428853774},{"text":"At the age of 65, regardless of whether you're working or not, your super is made unrestricted nonpreserved.","start":1663.0599,"end":1669.48,"sentiment":"neutral","sentiment_score":0.12293355663617452},{"text":"So you can access those funds regardless of whether you're working or not at 65.","start":1669.62,"end":1673.72,"sentiment":"neutral","sentiment_score":0.1332320692638556}],"sentiment":"neutral","sentiment_score":0.25183648725642876,"num_words":51,"start":1658.255,"end":1673.72},{"sentences":[{"text":"If you decide earlier that you don't wish to work beyond the age of 60, 60, so long as you fully retire, is the age you can also access your super.","start":1673.985,"end":1683.265,"sentiment":"neutral","sentiment_score":0.022754717377885696},{"text":"So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well.","start":1683.265,"end":1690.9,"sentiment":"neutral","sentiment_score":0.05621152660912938},{"text":"Okay?","start":1690.9,"end":1691.4,"sentiment":"neutral","sentiment_score":0.06439167261123657},{"text":"Perfect.","start":1692.5,"end":1693.0,"sentiment":"neutral","sentiment_score":0.3287475109100342},{"text":"The next one here is asking about are you comfortable taking on a higher level of risk in order to get those greater potential returns, or do you consider yourself more moderate, medium, or do you think you're not wanting to take on much risk at all to get the best returns you possibly can?","start":1693.8601,"end":1708.485,"sentiment":"neutral","sentiment_score":-0.16676753237843514}],"sentiment":"neutral","sentiment_score":-0.05700841426201489,"num_words":115,"start":1673.985,"end":1708.485},{"sentences":[{"text":"How would you sort of rate yourself there?","start":1708.485,"end":1711.065,"sentiment":"neutral","sentiment_score":-0.10502399737015367},{"text":"That's okay.","start":1713.94,"end":1714.74,"sentiment":"neutral","sentiment_score":0.10553880408406258},{"text":"Do you consider yourself happy to take on a higher level of risk to get greater potential returns?","start":1714.74,"end":1719.72,"sentiment":"neutral","sentiment_score":-0.0671684110744132},{"text":"Do you consider yourself comfortable taking on a moderate or medium amount of risk to get the best returns you can or next to no risk to get the best returns possible?","start":1720.0199,"end":1728.36,"sentiment":"neutral","sentiment_score":0.009530337410978973},{"text":"Yep.","start":1731.035,"end":1731.535,"sentiment":"neutral","sentiment_score":-0.016415594145655632}],"sentiment":"neutral","sentiment_score":-0.025403124051260165,"num_words":61,"start":1708.485,"end":1731.535},{"sentences":[{"text":"Yep.","start":1732.155,"end":1732.555,"sentiment":"neutral","sentiment_score":0.1108139380812645},{"text":"Perfect.","start":1732.555,"end":1733.055,"sentiment":"positive","sentiment_score":0.5789147615432739},{"text":"Excellent.","start":1733.3551,"end":1733.8551,"sentiment":"positive","sentiment_score":0.5736728310585022},{"text":"And the last one here is have you ever considered taking out a loan to invest in shares or manage funds or you would not wanna borrow for for that sort of investing at all.","start":1735.275,"end":1745.77,"sentiment":"neutral","sentiment_score":0.05854880682059697},{"text":"Okay.","start":1751.67,"end":1752.17,"sentiment":"neutral","sentiment_score":-0.016406983137130737}],"sentiment":"neutral","sentiment_score":0.08451802016068728,"num_words":39,"start":1732.155,"end":1752.17},{"sentences":[{"text":"Yep.","start":1753.67,"end":1754.17,"sentiment":"neutral","sentiment_score":0.001598019152879715},{"text":"Yep.","start":1754.87,"end":1755.37,"sentiment":"neutral","sentiment_score":0.018143652006983757},{"text":"Okay.","start":1763.525,"end":1764.025,"sentiment":"neutral","sentiment_score":-0.053143471479415894},{"text":"No.","start":1767.365,"end":1767.765,"sentiment":"neutral","sentiment_score":-0.07933168858289719},{"text":"Of course.","start":1767.765,"end":1768.585,"sentiment":"neutral","sentiment_score":-0.045926567167043686}],"sentiment":"neutral","sentiment_score":-0.03409777053942283,"num_words":6,"start":1753.67,"end":1768.585},{"sentences":[{"text":"Yes.","start":1773.17,"end":1773.67,"sentiment":"neutral","sentiment_score":0.003333493135869503},{"text":"Yes.","start":1773.97,"end":1774.47,"sentiment":"neutral","sentiment_score":0.013988371007144451},{"text":"No.","start":1781.905,"end":1782.0651,"sentiment":"neutral","sentiment_score":-0.06448985636234283},{"text":"That's okay.","start":1782.0651,"end":1782.865,"sentiment":"neutral","sentiment_score":-0.010851139202713966},{"text":"And when you look at your own lending side of things, is this your main primary residence that you've borrowed for in the past?","start":1782.865,"end":1788.885,"sentiment":"neutral","sentiment_score":-0.009739285334944725}],"sentiment":"neutral","sentiment_score":-0.01043493512632518,"num_words":29,"start":1773.17,"end":1788.885},{"sentences":[{"text":"Yep.","start":1794.9601,"end":1795.4601,"sentiment":"neutral","sentiment_score":-0.0005649353261105716},{"text":"Yep.","start":1798.56,"end":1799.06,"sentiment":"neutral","sentiment_score":0.007750130724161863},{"text":"Yeah.","start":1803.12,"end":1803.62,"sentiment":"neutral","sentiment_score":0.02175559289753437},{"text":"Okay.","start":1803.92,"end":1804.42,"sentiment":"neutral","sentiment_score":0.020601481199264526},{"text":"Yeah.","start":1810.175,"end":1810.675,"sentiment":"neutral","sentiment_score":0.045619502663612366}],"sentiment":"neutral","sentiment_score":0.01903235443169251,"num_words":5,"start":1794.9601,"end":1810.675},{"sentences":[{"text":"Yeah.","start":1825.07,"end":1825.57,"sentiment":"neutral","sentiment_score":-0.02902229130268097},{"text":"Yeah.","start":1826.19,"end":1826.69,"sentiment":"neutral","sentiment_score":-0.0482337549328804},{"text":"Yeah.","start":1830.605,"end":1831.105,"sentiment":"neutral","sentiment_score":-0.04696926847100258},{"text":"Yep.","start":1834.765,"end":1835.265,"sentiment":"neutral","sentiment_score":-0.03646440804004669},{"text":"Yep.","start":1836.5249,"end":1836.845,"sentiment":"neutral","sentiment_score":0.01963500678539276}],"sentiment":"neutral","sentiment_score":-0.028210943192243577,"num_words":5,"start":1825.07,"end":1836.845},{"sentences":[{"text":"No.","start":1836.845,"end":1837.1649,"sentiment":"neutral","sentiment_score":0.0886961817741394},{"text":"Perfect.","start":1837.1649,"end":1837.565,"sentiment":"positive","sentiment_score":0.3425283133983612},{"text":"That's fantastic.","start":1837.565,"end":1838.385,"sentiment":"positive","sentiment_score":0.5214751660823822},{"text":"Excellent.","start":1838.5249,"end":1839.0249,"sentiment":"positive","sentiment_score":0.44251614809036255},{"text":"And I've just got one more question here with regard to that.","start":1839.1649,"end":1842.065,"sentiment":"neutral","sentiment_score":0.06547925652315219}],"sentiment":"neutral","sentiment_score":0.15896717962973259,"num_words":17,"start":1836.845,"end":1842.065},{"sentences":[{"text":"Thinking about your super balance at the moment, if you saw a fall over the next six months due to what was happening externally in the market, how do you think you're feeling about that?","start":1842.47,"end":1850.87,"sentiment":"neutral","sentiment_score":-0.01936825785253729},{"text":"Are you feeling optimistic about the potential investment opportunities?","start":1850.87,"end":1854.33,"sentiment":"neutral","sentiment_score":0.1356444511976507},{"text":"Are you a bit cautious, concerned, or are you feeling a bit 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do you find yourself appreciating that time a lot more because of that?","start":1909.1749,"end":1913.355,"sentiment":"neutral","sentiment_score":0.29693017261368887},{"text":"Yeah.","start":1917.0149,"end":1917.5149,"sentiment":"neutral","sentiment_score":-0.0035409722477197647},{"text":"Beautiful.","start":1920.1499,"end":1920.6499,"sentiment":"neutral","sentiment_score":0.26038703322410583},{"text":"Yeah.","start":1923.35,"end":1923.83,"sentiment":"neutral","sentiment_score":0.020657837390899655}],"sentiment":"neutral","sentiment_score":0.25296784802857375,"num_words":18,"start":1908.615,"end":1923.83},{"sentences":[{"text":"Yeah.","start":1923.83,"end":1924.33,"sentiment":"neutral","sentiment_score":0.0036016572266817093},{"text":"Yeah.","start":1932.645,"end":1933.145,"sentiment":"neutral","sentiment_score":-0.09794244170188904},{"text":"Oh, absolutely.","start":1938.1649,"end":1939.065,"sentiment":"neutral","sentiment_score":-0.01796030905097723},{"text":"My kids are 19 and 20, and I understand exactly.","start":1939.125,"end":1942.6649,"sentiment":"neutral","sentiment_score":-0.034230006486177446},{"text":"It's very difficult out there, and we've had the same conversations.","start":1942.885,"end":1945.99,"sentiment":"neutral","sentiment_score":-0.12935913150960748}],"sentiment":"neutral","sentiment_score":-0.07582047656178474,"num_words":25,"start":1923.83,"end":1945.99},{"sentences":[{"text":"They will need my help moving forward.","start":1946.29,"end":1948.31,"sentiment":"neutral","sentiment_score":-0.037520582122462134},{"text":"So 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I've got basically everything I needed to go back and have a really good look.","start":1978.72,"end":1982.195,"sentiment":"positive","sentiment_score":0.6212285235524178},{"text":"I've got an understanding of where you're after with those questions there.","start":1982.195,"end":1985.235,"sentiment":"positive","sentiment_score":0.5403084804614385},{"text":"You have still scored in that growth portfolio range.","start":1985.235,"end":1987.7949,"sentiment":"positive","sentiment_score":0.6229128241539001},{"text":"So happy to kinda keep you there for a bit longer given your age and stage and where you're up to.","start":1987.7949,"end":1992.66,"sentiment":"positive","sentiment_score":0.7374755569866726},{"text":"So we'll go back and do a bit of research there for you, have a look at everything that's going on, and update the advice strategy.","start":1992.98,"end":1998.66,"sentiment":"positive","sentiment_score":0.3985811277077748}],"sentiment":"positive","sentiment_score":0.569996066391468,"num_words":84,"start":1978.72,"end":1998.66},{"sentences":[{"text":"If in the meantime, something happens or changes that you need to let us know about, feel free to give us a call.","start":1998.66,"end":2003.88,"sentiment":"neutral","sentiment_score":0.18734818113886792},{"text":"And if you do have any additional questions and you wanna be booked back in with me, please give us a call, let us know, and the team will book you in for the first available appointment with myself.","start":2004.02,"end":2013.885,"sentiment":"neutral","sentiment_score":0.21639601427775162},{"text":"Okay?","start":2014.1051,"end":2014.6051,"sentiment":"neutral","sentiment_score":0.16801711916923523},{"text":"So, Hansi, thank you for taking my call, Lisa.","start":2016.265,"end":2018.745,"sentiment":"positive","sentiment_score":0.6749827928013272},{"text":"Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment?","start":2018.745,"end":2023.98,"sentiment":"neutral","sentiment_score":0.20456229278753543}],"sentiment":"neutral","sentiment_score":0.2467685293885741,"num_words":101,"start":1998.66,"end":2023.98},{"sentences":[{"text":"And I'll ask you everything under the sun.","start":2023.98,"end":2026.0,"sentiment":"neutral","sentiment_score":0.09111178293824196},{"text":"Beautiful.","start":2033.835,"end":2034.335,"sentiment":"positive","sentiment_score":0.535089373588562},{"text":"Yeah.","start":2043.275,"end":2043.355,"sentiment":"neutral","sentiment_score":0.12263397872447968},{"text":"Yep.","start":2043.355,"end":2043.855,"sentiment":"neutral","sentiment_score":0.09647566080093384},{"text":"Yeah.","start":2051.37,"end":2051.87,"sentiment":"neutral","sentiment_score":0.13586586713790894}],"sentiment":"neutral","sentiment_score":0.13491326197981834,"num_words":12,"start":2023.98,"end":2051.87},{"sentences":[{"text":"Oh, it's good.","start":2054.01,"end":2054.91,"sentiment":"positive","sentiment_score":0.40408801039059955},{"text":"Yeah.","start":2055.13,"end":2055.63,"sentiment":"neutral","sentiment_score":0.3163812756538391},{"text":"Yep.","start":2058.985,"end":2059.485,"sentiment":"neutral","sentiment_score":0.1851440966129303},{"text":"Yep.","start":2059.625,"end":2060.125,"sentiment":"neutral","sentiment_score":0.1831599920988083},{"text":"Yeah.","start":2072.2798,"end":2072.7798,"sentiment":"neutral","sentiment_score":0.0778801441192627}],"sentiment":"neutral","sentiment_score":0.28211850566523416,"num_words":7,"start":2054.01,"end":2072.7798},{"sentences":[{"text":"Mhmm.","start":2087.495,"end":2087.995,"sentiment":"neutral","sentiment_score":0.05843812972307205},{"text":"Yeah.","start":2089.735,"end":2090.235,"sentiment":"neutral","sentiment_score":0.044008899480104446},{"text":"Absolutely.","start":2093.67,"end":2094.17,"sentiment":"neutral","sentiment_score":0.07537528872489929},{"text":"No.","start":2094.39,"end":2094.71,"sentiment":"neutral","sentiment_score":0.001304345205426216},{"text":"Definitely.","start":2094.71,"end":2095.21,"sentiment":"neutral","sentiment_score":0.003361547365784645}],"sentiment":"neutral","sentiment_score":0.03649764209985733,"num_words":5,"start":2087.495,"end":2095.21},{"sentences":[{"text":"Well, thank you so much for that.","start":2095.5898,"end":2097.43,"sentiment":"positive","sentiment_score":0.8380429744720459},{"text":"I'll let you go so you have a good afternoon.","start":2097.43,"end":2099.27,"sentiment":"positive","sentiment_score":0.7882168054580688},{"text":"Hopefully, the day isn't as hectic as the morning has been there for you, and I'll get working on this research there for you as well.","start":2099.27,"end":2107.13,"sentiment":"positive","sentiment_score":0.4891369463159488},{"text":"Oh, well yeah.","start":2113.345,"end":2120.625,"sentiment":"neutral","sentiment_score":0.1275799237191677},{"text":"Absolutely.","start":2120.625,"end":2121.125,"sentiment":"positive","sentiment_score":0.6020814776420593}],"sentiment":"positive","sentiment_score":0.5840606538063668,"num_words":47,"start":2095.5898,"end":2121.125},{"sentences":[{"text":"Perfect.","start":2121.665,"end":2122.145,"sentiment":"positive","sentiment_score":0.6584713459014893},{"text":"Well, while you're working your butt off there, I'll work mine off here, and we'll get that research completed for you.","start":2122.145,"end":2127.3,"sentiment":"positive","sentiment_score":0.35163377934978124},{"text":"That's okay, Lisa.","start":2130.2646,"end":2131.3848,"sentiment":"positive","sentiment_score":0.6055696805318197},{"text":"Thank you for your time this morning.","start":2131.3848,"end":2132.7449,"sentiment":"positive","sentiment_score":0.8352347527231488},{"text":"I hope you have a good day.","start":2132.7449,"end":2134.2048,"sentiment":"positive","sentiment_score":0.7513891543660846}],"sentiment":"positive","sentiment_score":0.5375860795760766,"num_words":39,"start":2121.665,"end":2134.2048},{"sentences":[{"text":"Talk to you soon.","start":2134.2646,"end":2135.3247,"sentiment":"positive","sentiment_score":0.5306981056928635},{"text":"Thank you.","start":2137.3848,"end":2138.2048,"sentiment":"positive","sentiment_score":0.4637409746646881},{"text":"See you later.","start":2138.2646,"end":2139.0847,"sentiment":"neutral","sentiment_score":0.2523885543147723}],"sentiment":"positive","sentiment_score":0.4230488927827941,"num_words":9,"start":2134.2646,"end":2139.0847}]}}]},{"alternatives":[{"transcript":"Hello. This is Lisa. Not bad. Thank you. And yourself? Sure. Yeah. A bit hectic at the moment. Mhmm. Sure. Yes. It's Lisa Marie Killrain. 1974. Number 7 Potter Street in Huntingdale, Western Australia 6110. Yeah. I do. Yep. Yeah. It does. Not yet. It's still in the process. It's not a unhappy thing. It's something that I want in terms of where the where my current employer is going is not where I want to align my values as an employee. So after thirty years, I've actually basically said bring it on. Because I'm look I am looking for a new challenge, and I think this is the right time frame wise. It may be a right time for me to look elsewhere and spread my wings because I'm not planning on retiring anytime soon. Considering that I'm only 52 this year, I've got still plenty of working life in me. It's whether other people think that, you know, employing someone so old is a a good move for them. No. So what I'm planning on doing once it actually happens is basically taking a two month detox, especially after a thirty year career in the one area, really look around and see what's gonna grab my interest. Whether I go back to school and actually get a different degree, I'm quite willing to do that to virtually expand my skill set. So there's a there's a few areas that I'm looking, but I don't know, like I said, whether they will wanna employ somebody with my skill set. And I and I and I'm virtually just basically looking for something that will cover my day to day expenses and not anything beyond that, if that makes sense. Well, at the moment, we're waiting on formal confirmation to go out. It was supposed to happen at the towards the end of this month. I cannot personally see that happening given the time frame that they wanted this to happen. So I would imagine round about mid March, but I cannot even see that coming to fruition knowing that, you know, the track record of this bloody company is all over the place. So at the moment, I'm sorta I've been in limbo since May, which is why I've actually pushed for the route that I have gone to say, well, you don't value me as an employee by doing this restructure and kept me hanging for this time frame. So it was sort of basically pushing back on them and saying, I'm not interested. Yeah. Both of them are 18. One is working, but trying to get him to look at changing roles because I don't think it's good fit for him, and he's finally, 18, finally looking at this company choosing and abusing him. And I'm looking at getting my daughter into some study to get one more part of her degree so that it expands her aspects of being employed because she's looking at becoming an EA. So she's got one most of it, she just needs this one little part of it to actually make that happen because she loves working with special needs. Yeah. So she she's trying to find a full time job that works around her current job as a gymnastics coach as well. So she loves working with children, And she gives her time back to that, and she also works for special needs, which is why she's actually looking at the avenue. Yes and no. Is that right? Yes. To a point if there's low in their income and they need assistance because they both bought vehicles. So I help out where I can, which is why I said that I I'm still looking at something to cover the day to day bills in case I need to help them out. So I'll be looking roughly around what I'm currently earning, maybe a little bit more as a buffer for my next employment opportunity. So that's that's the key figure I've got in my mind. Anything about that will be beneficial. Yep. Yeah. I think I wanna explore maybe changing, especially if it's not performing as well as it should be. But also probably review it given when my circumstances change as well to make sure that I'm still aligned to what where I really wanna go because my super is all about really if anything happens to me, I'm I'm trying to set my kids up as well. So hence why I've taken out the life insurance policies and stuff like that, not only on myself but on my children. And given the fact that I did lose my husband thirteen years ago to cancer, and I wasn't actually he wasn't as financially prepared as probably he should have been given his age. But yeah. And and given his circumstances, he sort of set me up to help set the kids up, if that makes sense. It just depends on how much of a financial impact that's gonna make. I know it comes out of my super. But if it's looking at going to preferably boost it sooner rather than later, I'd rather do that and then know when my circumstances change. I'll definitely get back in touch with you and say, look. This is my new annual figure. Is that still on track, or do we need to look at reviewing it again? Yep. Yeah. Yeah. That is perfectly fine. I I do switch in every now and again and just keep an eye on what's going on. So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part. So I I do see them quite often. I go, oh, okay. Yeah. No. No. I can't think. So I do keep an eye on it. And I think now that my children are working, they're actually a little bit more into especially my son's asking questions around super because I'm looking at getting him into a super fund that will work for him. So I actually showed him mine, and he was gobsmacked with actually how much I had in there. He actually thought I had a little mad about in there, and I went, no, dude. That's not how it works. So he was I think he was blown away with what is actually in my super for him. And I and I did say that you're not gonna get all that. You get a percentage of that. Yeah. If I'm still around that long, I'm planning on being, but, yeah, who knows? Yep. Yeah. Probably look at probably switching to the lower one. I would rather get more value out of what's going on. If the active manager is not actually performing, I would rather probably make that switch. Probably I'm probably comfortable with not having as much visibility. And if someone cares performing, move with the market quite quickly as opposed to just, you know, seeing where it's gonna lie. Because the market at the moment is from what I'm understanding when I watch the news and and stuff, it it's a bit volatile. You know? If something's going on in that sector, especially in the financial sector that I work for, if something is happening with my current employer and they're in the news saying, you know, this is happening and, you know, they've been fined and stuff, their stock is gonna go down. Right? So that's gonna take a hit. But where you know, if that happens, I would rather try and counteract that with not taking a big hit. I would rather it be a little hit and move quite quickly with the market. Yep. Yeah. Yeah. That sounds like a plan. Yes. That'd be great. No. I'm quite happy not having income protection at this point in time, but would rather the life insurance policy rather than the income because I'll always manage, you know, with income if I'm struggling. You know? I I do budget every fortnight and have listed what needs to be paid and what so I've sort of seen and tracking my expenditure. And if it means that, you know, I am made redundant and, you know, my funds are running out, I would actually look at getting back into the workforce sooner rather than later. But yeah. Yes. I'm on my third lot of long service leave, so I still have some of that tucked away where I've got about two months. So I I've only taken about a month of my three months allocation leave, And I do have some annual leave that needs to be paid out as well, as well as the way that my contract was set up because I'm on the old legislation from when I started. I get paid out for three weeks of every year of continual service plus my a full month salary type thing. So yeah. But it's capped at thirty two years, so that's why I think it's the right time frame. So I'm not on a CBA contract at this point in time. But if they're looking at possibly moving me into a different role, which I probably wouldn't take, I'd be site made to sign a new contract that moves me off those entitlements. So at the moment, my Bankwest contract that I signed thirty years ago is quite tight. And at the moment, the union is all over what CBA is trying to do, and he's squashing them at every opportunity. Yeah. So there there are some people that have been affected by the restructures that have been going on, and there's more to come. So I'm led to believe, which is why I think I'm wrapped up in the next lot. So, yeah, it's just a matter of when. I would definitely get that. Yeah. Yep. So so if something happens, I can book back in with you, Dana? Okay. No problem. Thank you. I think at this point in time, I'm I'm I'm pretty comfortable. But, yeah, like I said, if something definitely changes, I will definitely ring back and go, no. We really need to review this because it it's not looking good. Yes. But but at the moment, I'm I'm more comfortable around the growth portfolio. I have been in growth portfolios before, so I am sort of aware. I sort of don't put all my eggs in one bucket if you like. Yes. Yep. Sure. Probably, I would I think, currently, 65. I could be wrong, but I'm I'm sort of working around the 65 years of age of try trying to access. Because I do have some shares stashed away that I actually can sell if I get really desperate. So I I do have that income to fall back on as well. But, yeah, ultimately, round about 65, I would like to basically go, you know what? I'm really done with work. I just wanna plot around and go and travel and and do some stuff while I'm still virtually young and able to do that. And my and my and my kids would be a little bit older as well and more self sustained. Okay. Okay. Sorry. Can you repeat that one? Probably, like, moderate to medium risk. No. I don't wanna borrow money to take out loans or investment type things. I would rather do that paying cash. The only thing that I've done recently is gone as a guarantor signature for my son to buy another car, but that's as far as a risk that I'm willing to take. And it will actually depend on the amount, obviously. But, yeah, I definitely would not borrow to invest in money and stuff like that. No. I borrowed for the house, which is fully paid off for mine. I borrowed for a car, which is fully paid off for mine. And now my son's borrowed, but that's about it. So given my age, I'm trying to reduce as much debt as I have against my name so that I am comfortable. And the money that I do make, I'm not paying back every investor rather than actually just covering the day to day expenses because it's gonna get quite expensive very shortly, and I I need to be able to cover that without any major debt over my head. No. I'm I'm pretty comfortable given where it's at at the moment. And given my age, like I said, at the same age, I actually have more in my super than my husband did, which was really surprising considering he's aged my age because he obviously hit it a lot sooner than I have been older, but I'm now what I'm classed as and I and I hate to say this terminology, but I'm really on borrowed time to where he is. So I've actually exceeded his age when he died. So I consider myself on borrowed time. Any any years that I get post his death age is borrowed time for me. So, yeah. Yeah. I've looked at life differently. I don't sweat the small stuff anymore. It's like I said, it's about setting myself and my kids up for the long haul. And I've actually had these conversations with my kids saying, unless I set you up, you are not gonna get into the housing market. It's just gonna be that unrealistic for you guys to even try and own your own home. Yeah. So, yeah, like I said to my kids, I'm I'm not picking them out anytime soon. If they wanna stay, you know, into their thirties or maybe forties, Happy for that. The house is big enough. They're not gonna tread on my toes, and I'm not gonna tread on this. So yes. So and and I actually brought my house as an investment. So if anything happens, they they could sell it. Cool. No problems. Not not really. I I like I said, I am pretty comfortable where I am financially at the moment. And out of my family, I'm probably the only one that's really set myself up properly by having these conversations and looking at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that. I actually do review them quite regularly purely to get the best deal for my family and my needs at the time. So yeah. So I'm feeling pretty comfortable where I am. And if yeah. Like I said, if anything major changes, I would definitely book in. Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will definitely give you a callback because it's got an impact on my super going forward. Yeah. Looking looking at my work plan, I'm not very optimistic it's gonna get better. But the good thing is, you know, very shortly, it's not gonna be my problem. So No problem. Thank you very much, Dana. You too. 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This is Lisa. Not bad. Thank you. And yourself?\n\nSure. Yeah. A bit hectic at the moment. Mhmm. Sure.\n\nYes. It's Lisa Marie Killrain. 1974. Number 7 Potter Street in Huntingdale, Western Australia 6110. Yeah.\n\nI do. Yep. Yeah. It does. Not yet.\n\nIt's still in the process. It's not a unhappy thing. It's something that I want in terms of where the where my current employer is going is not where I want to align my values as an employee. So after thirty years, I've actually basically said bring it on. Because I'm look I am looking for a new challenge, and I think this is the right time frame wise.\n\nIt may be a right time for me to look elsewhere and spread my wings because I'm not planning on retiring anytime soon. Considering that I'm only 52 this year, I've got still plenty of working life in me. It's whether other people think that, you know, employing someone so old is a a good move for them. No. So what I'm planning on doing once it actually happens is basically taking a two month detox, especially after a thirty year career in the one area, really look around and see what's gonna grab my interest.\n\nWhether I go back to school and actually get a different degree, I'm quite willing to do that to virtually expand my skill set. So there's a there's a few areas that I'm looking, but I don't know, like I said, whether they will wanna employ somebody with my skill set. And I and I and I'm virtually just basically looking for something that will cover my day to day expenses and not anything beyond that, if that makes sense. Well, at the moment, we're waiting on formal confirmation to go out. It was supposed to happen at the towards the end of this month.\n\nI cannot personally see that happening given the time frame that they wanted this to happen. So I would imagine round about mid March, but I cannot even see that coming to fruition knowing that, you know, the track record of this bloody company is all over the place. So at the moment, I'm sorta I've been in limbo since May, which is why I've actually pushed for the route that I have gone to say, well, you don't value me as an employee by doing this restructure and kept me hanging for this time frame. So it was sort of basically pushing back on them and saying, I'm not interested. Yeah.\n\nBoth of them are 18. One is working, but trying to get him to look at changing roles because I don't think it's good fit for him, and he's finally, 18, finally looking at this company choosing and abusing him. And I'm looking at getting my daughter into some study to get one more part of her degree so that it expands her aspects of being employed because she's looking at becoming an EA. So she's got one most of it, she just needs this one little part of it to actually make that happen because she loves working with special needs. Yeah.\n\nSo she she's trying to find a full time job that works around her current job as a gymnastics coach as well. So she loves working with children, And she gives her time back to that, and she also works for special needs, which is why she's actually looking at the avenue. Yes and no. Is that right? Yes.\n\nTo a point if there's low in their income and they need assistance because they both bought vehicles. So I help out where I can, which is why I said that I I'm still looking at something to cover the day to day bills in case I need to help them out. So I'll be looking roughly around what I'm currently earning, maybe a little bit more as a buffer for my next employment opportunity. So that's that's the key figure I've got in my mind. Anything about that will be beneficial.\n\nYep. Yeah. I think I wanna explore maybe changing, especially if it's not performing as well as it should be. But also probably review it given when my circumstances change as well to make sure that I'm still aligned to what where I really wanna go because my super is all about really if anything happens to me, I'm I'm trying to set my kids up as well. So hence why I've taken out the life insurance policies and stuff like that, not only on myself but on my children.\n\nAnd given the fact that I did lose my husband thirteen years ago to cancer, and I wasn't actually he wasn't as financially prepared as probably he should have been given his age. But yeah. And and given his circumstances, he sort of set me up to help set the kids up, if that makes sense. It just depends on how much of a financial impact that's gonna make. I know it comes out of my super.\n\nBut if it's looking at going to preferably boost it sooner rather than later, I'd rather do that and then know when my circumstances change. I'll definitely get back in touch with you and say, look. This is my new annual figure. Is that still on track, or do we need to look at reviewing it again? Yep.\n\nYeah. Yeah. That is perfectly fine. I I do switch in every now and again and just keep an eye on what's going on. So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part.\n\nSo I I do see them quite often. I go, oh, okay. Yeah. No. No.\n\nI can't think. So I do keep an eye on it. And I think now that my children are working, they're actually a little bit more into especially my son's asking questions around super because I'm looking at getting him into a super fund that will work for him. So I actually showed him mine, and he was gobsmacked with actually how much I had in there. He actually thought I had a little mad about in there, and I went, no, dude.\n\nThat's not how it works. So he was I think he was blown away with what is actually in my super for him. And I and I did say that you're not gonna get all that. You get a percentage of that. Yeah.\n\nIf I'm still around that long, I'm planning on being, but, yeah, who knows? Yep. Yeah. Probably look at probably switching to the lower one. I would rather get more value out of what's going on.\n\nIf the active manager is not actually performing, I would rather probably make that switch. Probably I'm probably comfortable with not having as much visibility. And if someone cares performing, move with the market quite quickly as opposed to just, you know, seeing where it's gonna lie. Because the market at the moment is from what I'm understanding when I watch the news and and stuff, it it's a bit volatile. You know?\n\nIf something's going on in that sector, especially in the financial sector that I work for, if something is happening with my current employer and they're in the news saying, you know, this is happening and, you know, they've been fined and stuff, their stock is gonna go down. Right? So that's gonna take a hit. But where you know, if that happens, I would rather try and counteract that with not taking a big hit. I would rather it be a little hit and move quite quickly with the market.\n\nYep. Yeah. Yeah. That sounds like a plan. Yes.\n\nThat'd be great. No. I'm quite happy not having income protection at this point in time, but would rather the life insurance policy rather than the income because I'll always manage, you know, with income if I'm struggling. You know? I I do budget every fortnight and have listed what needs to be paid and what so I've sort of seen and tracking my expenditure.\n\nAnd if it means that, you know, I am made redundant and, you know, my funds are running out, I would actually look at getting back into the workforce sooner rather than later. But yeah. Yes. I'm on my third lot of long service leave, so I still have some of that tucked away where I've got about two months. So I I've only taken about a month of my three months allocation leave, And I do have some annual leave that needs to be paid out as well, as well as the way that my contract was set up because I'm on the old legislation from when I started.\n\nI get paid out for three weeks of every year of continual service plus my a full month salary type thing. So yeah. But it's capped at thirty two years, so that's why I think it's the right time frame. So I'm not on a CBA contract at this point in time. But if they're looking at possibly moving me into a different role, which I probably wouldn't take, I'd be site made to sign a new contract that moves me off those entitlements.\n\nSo at the moment, my Bankwest contract that I signed thirty years ago is quite tight. And at the moment, the union is all over what CBA is trying to do, and he's squashing them at every opportunity. Yeah. So there there are some people that have been affected by the restructures that have been going on, and there's more to come. So I'm led to believe, which is why I think I'm wrapped up in the next lot.\n\nSo, yeah, it's just a matter of when. I would definitely get that. Yeah. Yep. So so if something happens, I can book back in with you, Dana?\n\nOkay. No problem. Thank you. I think at this point in time, I'm I'm I'm pretty comfortable. But, yeah, like I said, if something definitely changes, I will definitely ring back and go, no.\n\nWe really need to review this because it it's not looking good. Yes. But but at the moment, I'm I'm more comfortable around the growth portfolio. I have been in growth portfolios before, so I am sort of aware. I sort of don't put all my eggs in one bucket if you like.\n\nYes. Yep. Sure. Probably, I would I think, currently, 65. I could be wrong, but I'm I'm sort of working around the 65 years of age of try trying to access.\n\nBecause I do have some shares stashed away that I actually can sell if I get really desperate. So I I do have that income to fall back on as well. But, yeah, ultimately, round about 65, I would like to basically go, you know what? I'm really done with work. I just wanna plot around and go and travel and and do some stuff while I'm still virtually young and able to do that.\n\nAnd my and my and my kids would be a little bit older as well and more self sustained. Okay. Okay. Sorry. Can you repeat that one?\n\nProbably, like, moderate to medium risk. No. I don't wanna borrow money to take out loans or investment type things. I would rather do that paying cash. The only thing that I've done recently is gone as a guarantor signature for my son to buy another car, but that's as far as a risk that I'm willing to take.\n\nAnd it will actually depend on the amount, obviously. But, yeah, I definitely would not borrow to invest in money and stuff like that. No. I borrowed for the house, which is fully paid off for mine. I borrowed for a car, which is fully paid off for mine.\n\nAnd now my son's borrowed, but that's about it. So given my age, I'm trying to reduce as much debt as I have against my name so that I am comfortable. And the money that I do make, I'm not paying back every investor rather than actually just covering the day to day expenses because it's gonna get quite expensive very shortly, and I I need to be able to cover that without any major debt over my head. No. I'm I'm pretty comfortable given where it's at at the moment.\n\nAnd given my age, like I said, at the same age, I actually have more in my super than my husband did, which was really surprising considering he's aged my age because he obviously hit it a lot sooner than I have been older, but I'm now what I'm classed as and I and I hate to say this terminology, but I'm really on borrowed time to where he is. So I've actually exceeded his age when he died. So I consider myself on borrowed time. Any any years that I get post his death age is borrowed time for me. So, yeah.\n\nYeah. I've looked at life differently. I don't sweat the small stuff anymore. It's like I said, it's about setting myself and my kids up for the long haul. And I've actually had these conversations with my kids saying, unless I set you up, you are not gonna get into the housing market.\n\nIt's just gonna be that unrealistic for you guys to even try and own your own home. Yeah. So, yeah, like I said to my kids, I'm I'm not picking them out anytime soon. If they wanna stay, you know, into their thirties or maybe forties, Happy for that. The house is big enough.\n\nThey're not gonna tread on my toes, and I'm not gonna tread on this. So yes. So and and I actually brought my house as an investment. So if anything happens, they they could sell it. Cool.\n\nNo problems. Not not really. I I like I said, I am pretty comfortable where I am financially at the moment. And out of my family, I'm probably the only one that's really set myself up properly by having these conversations and looking at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that. I actually do review them quite regularly purely to get the best deal for my family and my needs at the time.\n\nSo yeah. So I'm feeling pretty comfortable where I am. And if yeah. Like I said, if anything major changes, I would definitely book in. Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will definitely give you a callback because it's got an impact on my super going forward.\n\nYeah. Looking looking at my work plan, I'm not very optimistic it's gonna get better. But the good thing is, you know, very shortly, it's not gonna be my problem. So No problem. Thank you very much, Dana.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.04813357815146446},{"text":"This is Lisa.","start":1.52,"end":2.5,"sentiment":"neutral","sentiment_score":0.0408402718603611},{"text":"Not bad.","start":7.3599997,"end":8.0,"sentiment":"positive","sentiment_score":0.3772484064102173},{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.48817078769207},{"text":"And yourself?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.31498073786497116}],"sentiment":"neutral","sentiment_score":0.25314542576670646,"num_words":10,"start":1.04,"end":9.139999},{"sentences":[{"text":"Sure.","start":20.355,"end":20.855,"sentiment":"neutral","sentiment_score":0.0507691465318203},{"text":"Yeah.","start":21.955,"end":22.275,"sentiment":"neutral","sentiment_score":-0.02426239848136902},{"text":"A bit hectic at the moment.","start":22.275,"end":23.895,"sentiment":"neutral","sentiment_score":-0.1836812930802504},{"text":"Mhmm.","start":27.75,"end":28.25,"sentiment":"neutral","sentiment_score":0.010673505254089832},{"text":"Sure.","start":34.5825,"end":35.0825,"sentiment":"neutral","sentiment_score":0.05756272375583649}],"sentiment":"neutral","sentiment_score":-0.10073447814211249,"num_words":10,"start":20.355,"end":35.0825},{"sentences":[{"text":"Yes.","start":49.655,"end":49.975,"sentiment":"neutral","sentiment_score":0.045751042664051056},{"text":"It's Lisa Marie Killrain.","start":49.975,"end":51.515,"sentiment":"neutral","sentiment_score":0.03458573715761304},{"text":"1974.","start":51.735,"end":54.055,"sentiment":"neutral","sentiment_score":0.02103380113840103},{"text":"Number 7 Potter Street in Huntingdale, Western Australia 6110.","start":54.055,"end":58.89,"sentiment":"neutral","sentiment_score":0.03590607063637839},{"text":"Yeah.","start":76.655,"end":76.895004,"sentiment":"neutral","sentiment_score":0.06752453744411469}],"sentiment":"neutral","sentiment_score":0.03723793535027653,"num_words":16,"start":49.655,"end":76.895004},{"sentences":[{"text":"I do.","start":76.895004,"end":77.475006,"sentiment":"neutral","sentiment_score":0.0719519630074501},{"text":"Yep.","start":92.71001,"end":93.165,"sentiment":"neutral","sentiment_score":0.14396750926971436},{"text":"Yeah.","start":157.005,"end":157.24501,"sentiment":"neutral","sentiment_score":0.060861121863126755},{"text":"It does.","start":157.24501,"end":157.985,"sentiment":"neutral","sentiment_score":0.13006463646888733},{"text":"Not yet.","start":178.78499,"end":179.42499,"sentiment":"neutral","sentiment_score":-0.13377123326063156}],"sentiment":"neutral","sentiment_score":0.04266492044553161,"num_words":8,"start":76.895004,"end":179.42499},{"sentences":[{"text":"It's still in the process.","start":179.42499,"end":181.045,"sentiment":"neutral","sentiment_score":-0.1246285930275917},{"text":"It's not a unhappy thing.","start":181.185,"end":183.185,"sentiment":"neutral","sentiment_score":-0.16234558820724487},{"text":"It's something that I want in terms of where the where my current employer is going is not where I want to align my values as an employee.","start":183.185,"end":196.25,"sentiment":"neutral","sentiment_score":-0.16035076357158168},{"text":"So after thirty years, I've actually basically said bring it on.","start":198.46999,"end":204.355,"sentiment":"neutral","sentiment_score":-0.08255651593208313},{"text":"Because I'm look I am looking for a new challenge, and I think this is the right time frame wise.","start":204.495,"end":213.055,"sentiment":"neutral","sentiment_score":-0.03361567612737417}],"sentiment":"neutral","sentiment_score":-0.10876996353592562,"num_words":69,"start":179.42499,"end":213.055},{"sentences":[{"text":"It may be a right time for me to look elsewhere and spread my wings because I'm not planning on retiring anytime soon.","start":213.055,"end":222.39,"sentiment":"neutral","sentiment_score":-0.1832832959683045},{"text":"Considering that I'm only 52 this year, I've got still plenty of working life in me.","start":222.84999,"end":229.605,"sentiment":"neutral","sentiment_score":0.023997097741812468},{"text":"It's whether other people think that, you know, employing someone so old is a a good move for them.","start":229.845,"end":238.345,"sentiment":"neutral","sentiment_score":0.23519330363916724},{"text":"No.","start":255.26,"end":255.76,"sentiment":"neutral","sentiment_score":-0.09906910359859468},{"text":"So what I'm planning on doing once it actually happens is basically taking a two month detox, especially after a thirty year career in the one area, really look around and see what's gonna grab my interest.","start":257.925,"end":275.12,"sentiment":"neutral","sentiment_score":0.032069937653235486}],"sentiment":"neutral","sentiment_score":0.017964886617846787,"num_words":96,"start":213.055,"end":275.12},{"sentences":[{"text":"Whether I go back to school and actually get a different degree, I'm quite willing to do that to virtually expand my skill set.","start":275.5,"end":289.485,"sentiment":"neutral","sentiment_score":0.0628449076320976},{"text":"So there's a there's a few areas that I'm looking, but I don't know, like I said, whether they will wanna employ somebody with my skill set.","start":290.025,"end":300.205,"sentiment":"neutral","sentiment_score":-0.03613747520096324},{"text":"And I and I and I'm virtually just basically looking for something that will cover my day to day expenses and not anything beyond that, if that makes sense.","start":300.825,"end":313.74,"sentiment":"neutral","sentiment_score":-0.06058973253800951},{"text":"Well, at the moment, we're waiting on formal confirmation to go out.","start":324.155,"end":327.855,"sentiment":"neutral","sentiment_score":-0.03913114281992117},{"text":"It was supposed to happen at the towards the end of this month.","start":328.23502,"end":331.47,"sentiment":"neutral","sentiment_score":-0.04320088859934073}],"sentiment":"neutral","sentiment_score":-0.0214830624427469,"num_words":105,"start":275.5,"end":331.47},{"sentences":[{"text":"I cannot personally see that happening given the time frame that they wanted this to happen.","start":331.47,"end":338.05,"sentiment":"neutral","sentiment_score":-0.19413519091904163},{"text":"So I would imagine round about mid March, but I cannot even see that coming to fruition knowing that, you know, the track record of this bloody company is all over the place.","start":338.11,"end":351.435,"sentiment":"neutral","sentiment_score":-0.2924594400507031},{"text":"So at the moment, I'm sorta I've been in limbo since May, which is why I've actually pushed for the route that I have gone to say, well, you don't value me as an employee by doing this restructure and kept me hanging for this time frame.","start":353.175,"end":370.57,"sentiment":"negative","sentiment_score":-0.39695276605322005},{"text":"So it was sort of basically pushing back on them and saying, I'm not interested.","start":371.35,"end":377.05502,"sentiment":"negative","sentiment_score":-0.4270507514476776},{"text":"Yeah.","start":383.595,"end":383.99503,"sentiment":"neutral","sentiment_score":0.036515895277261734}],"sentiment":"negative","sentiment_score":-0.3373513389046171,"num_words":112,"start":331.47,"end":383.99503},{"sentences":[{"text":"Both of them are 18.","start":383.99503,"end":385.295,"sentiment":"neutral","sentiment_score":0.03028682470321655},{"text":"One is working, but trying to get him to look at changing roles because I don't think it's good fit for him, and he's finally, 18, finally looking at this company choosing and abusing him.","start":386.155,"end":401.47998,"sentiment":"neutral","sentiment_score":-0.0821314751835806},{"text":"And I'm looking at getting my daughter into some study to get one more part of her degree so that it expands her aspects of being employed because she's looking at becoming an EA.","start":402.995,"end":417.815,"sentiment":"neutral","sentiment_score":0.06078776010476491},{"text":"So she's got one most of it, she just needs this one little part of it to actually make that happen because she loves working with special needs.","start":418.28,"end":428.78,"sentiment":"neutral","sentiment_score":0.1895527501723596},{"text":"Yeah.","start":434.815,"end":435.135,"sentiment":"neutral","sentiment_score":0.15363076329231262}],"sentiment":"neutral","sentiment_score":0.046647806832729614,"num_words":103,"start":383.99503,"end":435.135},{"sentences":[{"text":"So she she's trying to find a full time job that works around her current job as a gymnastics coach as well.","start":435.135,"end":443.935,"sentiment":"neutral","sentiment_score":0.16598630120808427},{"text":"So she loves working with children, And she gives her time back to that, and she also works for special needs, which is why she's actually looking at the avenue.","start":443.935,"end":454.77002,"sentiment":"neutral","sentiment_score":0.23912926216920216},{"text":"Yes and no.","start":462.715,"end":463.85498,"sentiment":"neutral","sentiment_score":-0.035411737859249115},{"text":"Is that right?","start":464.07498,"end":464.895,"sentiment":"neutral","sentiment_score":0.001272146279613177},{"text":"Yes.","start":468.875,"end":469.35498,"sentiment":"neutral","sentiment_score":0.033352795988321304}],"sentiment":"neutral","sentiment_score":0.18231373750683616,"num_words":59,"start":435.135,"end":469.35498},{"sentences":[{"text":"To a point if there's low in their income and they need assistance because they both bought vehicles.","start":469.35498,"end":476.655,"sentiment":"neutral","sentiment_score":-0.05997826252132654},{"text":"So I help out where I can, which is why I said that I I'm still looking at something to cover the day to day bills in case I need to help them out.","start":478.1,"end":487.13998,"sentiment":"neutral","sentiment_score":0.028002337799133623},{"text":"So I'll be looking roughly around what I'm currently earning, maybe a little bit more as a buffer for my next employment opportunity.","start":487.13998,"end":498.35498,"sentiment":"neutral","sentiment_score":0.049768099966256515},{"text":"So that's that's the key figure I've got in my mind.","start":498.815,"end":502.755,"sentiment":"neutral","sentiment_score":0.10480659387328407},{"text":"Anything about that will be beneficial.","start":502.895,"end":505.315,"sentiment":"neutral","sentiment_score":0.19505944599707922}],"sentiment":"neutral","sentiment_score":0.036308328995643104,"num_words":92,"start":469.35498,"end":505.315},{"sentences":[{"text":"Yep.","start":516.63,"end":517.13,"sentiment":"neutral","sentiment_score":0.006946195848286152},{"text":"Yeah.","start":568.56,"end":569.04,"sentiment":"neutral","sentiment_score":0.1211109533905983},{"text":"I think I wanna explore maybe changing, especially if it's not performing as well as it should be.","start":569.04,"end":578.565,"sentiment":"neutral","sentiment_score":0.032796374418669276},{"text":"But also probably review it given when my circumstances change as well to make sure that I'm still aligned to what where I really wanna go because my super is all about really if anything happens to me, I'm I'm trying to set my kids up as well.","start":579.745,"end":601.54,"sentiment":"neutral","sentiment_score":0.12280863445873062},{"text":"So hence why I've taken out the life insurance policies and stuff like that, not only on myself but on my children.","start":601.6,"end":608.655,"sentiment":"neutral","sentiment_score":-0.06802072951739485}],"sentiment":"neutral","sentiment_score":0.05685278103790349,"num_words":90,"start":516.63,"end":608.655},{"sentences":[{"text":"And given the fact that I did lose my husband thirteen years ago to cancer, and I wasn't actually he wasn't as financially prepared as probably he should have been given his age.","start":609.995,"end":624.23,"sentiment":"neutral","sentiment_score":-0.21314408099561027},{"text":"But yeah.","start":626.13,"end":626.93,"sentiment":"neutral","sentiment_score":-0.006525669246912003},{"text":"And and given his circumstances, he sort of set me up to help set the kids up, if that makes sense.","start":626.93,"end":633.51,"sentiment":"neutral","sentiment_score":0.032707625024375464},{"text":"It just depends on how much of a financial impact that's gonna make.","start":646.61,"end":650.93,"sentiment":"neutral","sentiment_score":0.047159227900780164},{"text":"I know it comes out of my super.","start":650.93,"end":652.70996,"sentiment":"neutral","sentiment_score":0.04528770036995411}],"sentiment":"neutral","sentiment_score":-0.06992953662554939,"num_words":77,"start":609.995,"end":652.70996},{"sentences":[{"text":"But if it's looking at going to preferably boost it sooner rather than later, I'd rather do that and then know when my circumstances change.","start":652.93,"end":662.71497,"sentiment":"neutral","sentiment_score":0.10218026638031005},{"text":"I'll definitely get back in touch with you and say, look.","start":662.71497,"end":665.435,"sentiment":"neutral","sentiment_score":0.11656588248231194},{"text":"This is my new annual figure.","start":665.435,"end":669.21497,"sentiment":"neutral","sentiment_score":0.12760013093551},{"text":"Is that still on track, or do we need to look at reviewing it again?","start":669.27496,"end":673.77,"sentiment":"neutral","sentiment_score":0.04314176763097445},{"text":"Yep.","start":684.81,"end":685.31,"sentiment":"neutral","sentiment_score":-0.024011826142668724}],"sentiment":"neutral","sentiment_score":0.0900939110473826,"num_words":58,"start":652.93,"end":685.31},{"sentences":[{"text":"Yeah.","start":689.365,"end":689.865,"sentiment":"neutral","sentiment_score":0.011545639485120772},{"text":"Yeah.","start":736.89996,"end":737.39996,"sentiment":"neutral","sentiment_score":0.217589408159256},{"text":"That is perfectly fine.","start":745.52496,"end":747.385,"sentiment":"positive","sentiment_score":0.4973631575703621},{"text":"I I do switch in every now and again and just keep an eye on what's going on.","start":759.04,"end":763.45996,"sentiment":"neutral","sentiment_score":0.048496294042302504},{"text":"So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part.","start":763.83997,"end":774.145,"sentiment":"neutral","sentiment_score":0.11585134430788457}],"sentiment":"neutral","sentiment_score":0.12140649979534958,"num_words":56,"start":689.365,"end":774.145},{"sentences":[{"text":"So I I do see them quite often.","start":774.145,"end":776.54504,"sentiment":"neutral","sentiment_score":0.10024749673902988},{"text":"I go, oh, okay.","start":776.54504,"end":777.765,"sentiment":"neutral","sentiment_score":0.09729404747486115},{"text":"Yeah.","start":777.905,"end":778.145,"sentiment":"neutral","sentiment_score":0.04827001690864563},{"text":"No.","start":778.145,"end":778.305,"sentiment":"neutral","sentiment_score":0.02618151344358921},{"text":"No.","start":778.305,"end":778.805,"sentiment":"neutral","sentiment_score":0.014990607276558876}],"sentiment":"neutral","sentiment_score":0.08537322009603182,"num_words":15,"start":774.145,"end":778.805},{"sentences":[{"text":"I can't think.","start":779.265,"end":780.16504,"sentiment":"neutral","sentiment_score":0.012128990143537521},{"text":"So I do keep an eye on it.","start":781.025,"end":782.965,"sentiment":"neutral","sentiment_score":0.08026822889223695},{"text":"And I think now that my children are working, they're actually a little bit more into especially my son's asking questions around super because I'm looking at getting him into a super fund that will work for him.","start":784.26996,"end":798.67,"sentiment":"neutral","sentiment_score":0.1357097155169437},{"text":"So I actually showed him mine, and he was gobsmacked with actually how much I had in there.","start":798.67,"end":805.805,"sentiment":"positive","sentiment_score":0.4529731406105889},{"text":"He actually thought I had a little mad about in there, and I went, no, dude.","start":805.865,"end":809.625,"sentiment":"neutral","sentiment_score":-0.09060365543700755}],"sentiment":"neutral","sentiment_score":0.15107662693025117,"num_words":83,"start":779.265,"end":809.625},{"sentences":[{"text":"That's not how it works.","start":809.625,"end":811.165,"sentiment":"neutral","sentiment_score":-0.02790431082248688},{"text":"So he was I think he was blown away with what is actually in my super for him.","start":813.48,"end":820.7,"sentiment":"neutral","sentiment_score":0.23178199099169838},{"text":"And I and I did say that you're not gonna get all that.","start":821.8,"end":824.76,"sentiment":"neutral","sentiment_score":-0.00948013594517341},{"text":"You get a percentage of that.","start":824.76,"end":826.515,"sentiment":"neutral","sentiment_score":0.011469602740059296},{"text":"Yeah.","start":826.675,"end":827.175,"sentiment":"neutral","sentiment_score":0.05514572188258171}],"sentiment":"neutral","sentiment_score":0.09379711290171673,"num_words":43,"start":809.625,"end":827.175},{"sentences":[{"text":"If I'm still around that long, I'm planning on being, but, yeah, who knows?","start":833.955,"end":838.29504,"sentiment":"neutral","sentiment_score":0.0714335533391152},{"text":"Yep.","start":895.89496,"end":896.39496,"sentiment":"neutral","sentiment_score":0.0062250373885035515},{"text":"Yeah.","start":923.005,"end":923.485,"sentiment":"neutral","sentiment_score":0.009330090135335922},{"text":"Probably look at probably switching to the lower one.","start":923.485,"end":928.52,"sentiment":"neutral","sentiment_score":-0.0069239578313297695},{"text":"I would rather get more value out of what's going on.","start":929.7,"end":935.64,"sentiment":"neutral","sentiment_score":0.11464554477821697}],"sentiment":"neutral","sentiment_score":0.061511395731940866,"num_words":36,"start":833.955,"end":935.64},{"sentences":[{"text":"If the active manager is not actually performing, I would rather probably make that switch.","start":936.34,"end":941.8,"sentiment":"neutral","sentiment_score":-0.016013395289580026},{"text":"Probably I'm probably comfortable with not having as much visibility.","start":1068.38,"end":1073.68,"sentiment":"neutral","sentiment_score":-0.1925270140171051},{"text":"And if someone cares performing, move with the market quite quickly as opposed to just, you know, seeing where it's gonna lie.","start":1074.38,"end":1083.935,"sentiment":"neutral","sentiment_score":0.0160763468593359},{"text":"Because the market at the moment is from what I'm understanding when I watch the news and and stuff, it it's a bit volatile.","start":1085.355,"end":1094.05,"sentiment":"neutral","sentiment_score":-0.10934227627391617},{"text":"You know?","start":1094.1901,"end":1094.85,"sentiment":"neutral","sentiment_score":-0.068013034760952}],"sentiment":"neutral","sentiment_score":-0.06263057724253772,"num_words":73,"start":936.34,"end":1094.85},{"sentences":[{"text":"If something's going on in that sector, especially in the financial sector that I work for, if something is happening with my current employer and they're in the news saying, you know, this is happening and, you know, they've been fined and stuff, their stock is gonna go down.","start":1095.23,"end":1111.155,"sentiment":"neutral","sentiment_score":-0.0988101671088715},{"text":"Right?","start":1111.155,"end":1111.655,"sentiment":"neutral","sentiment_score":-0.19133378565311432},{"text":"So that's gonna take a hit.","start":1112.275,"end":1114.035,"sentiment":"negative","sentiment_score":-0.34114981194337207},{"text":"But where you know, if that happens, I would rather try and counteract that with not taking a big hit.","start":1114.035,"end":1121.87,"sentiment":"neutral","sentiment_score":-0.16907233074307443},{"text":"I would rather it be a little hit and move quite quickly with the market.","start":1121.93,"end":1127.79,"sentiment":"neutral","sentiment_score":-0.058335822572310764}],"sentiment":"neutral","sentiment_score":-0.12457598680323297,"num_words":91,"start":1095.23,"end":1127.79},{"sentences":[{"text":"Yep.","start":1151.35,"end":1151.85,"sentiment":"neutral","sentiment_score":0.10055238008499146},{"text":"Yeah.","start":1160.95,"end":1161.45,"sentiment":"neutral","sentiment_score":0.03652620315551758},{"text":"Yeah.","start":1186.45,"end":1186.85,"sentiment":"neutral","sentiment_score":0.1745920181274414},{"text":"That sounds like a plan.","start":1186.85,"end":1188.63,"sentiment":"positive","sentiment_score":0.3348083019256592},{"text":"Yes.","start":1212.94,"end":1213.26,"sentiment":"neutral","sentiment_score":0.2414030134677887}],"sentiment":"neutral","sentiment_score":0.24745723605155945,"num_words":9,"start":1151.35,"end":1213.26},{"sentences":[{"text":"That'd be great.","start":1213.26,"end":1214.4,"sentiment":"positive","sentiment_score":0.47821210821469623},{"text":"No.","start":1255.275,"end":1255.755,"sentiment":"neutral","sentiment_score":-0.2189207524061203},{"text":"I'm quite happy not having income protection at this point in time, but would rather the life insurance policy rather than the income because I'll always manage, you know, with income if I'm struggling.","start":1255.755,"end":1272.79,"sentiment":"neutral","sentiment_score":-0.03474756938350551},{"text":"You know?","start":1272.93,"end":1273.59,"sentiment":"neutral","sentiment_score":0.05957617610692978},{"text":"I I do budget every fortnight and have listed what needs to be paid and what so I've sort of seen and tracking my expenditure.","start":1273.65,"end":1283.4249,"sentiment":"neutral","sentiment_score":0.07433519825339317}],"sentiment":"neutral","sentiment_score":0.030951238796114923,"num_words":65,"start":1213.26,"end":1283.4249},{"sentences":[{"text":"And if it means that, you know, I am made redundant and, you know, my funds are running out, I would actually look at getting back into the workforce sooner rather than later.","start":1285.4049,"end":1294.8401,"sentiment":"neutral","sentiment_score":-0.061650624216505974},{"text":"But yeah.","start":1296.5801,"end":1297.5701,"sentiment":"neutral","sentiment_score":0.07300861366093159},{"text":"Yes.","start":1307.055,"end":1307.135,"sentiment":"neutral","sentiment_score":0.05530104786157608},{"text":"I'm on my third lot of long service leave, so I still have some of that tucked away where I've got about two months.","start":1307.135,"end":1312.895,"sentiment":"neutral","sentiment_score":-0.0009440371989815807},{"text":"So I I've only taken about a month of my three months allocation leave, And I do have some annual leave that needs to be paid out as well, as well as the way that my contract was set up because I'm on the old legislation from when I started.","start":1312.895,"end":1330.8099,"sentiment":"neutral","sentiment_score":0.03486926704645157}],"sentiment":"neutral","sentiment_score":-0.0010213260401294312,"num_words":110,"start":1285.4049,"end":1330.8099},{"sentences":[{"text":"I get paid out for three weeks of every year of continual service plus my a full month salary type thing.","start":1332.225,"end":1341.365,"sentiment":"neutral","sentiment_score":0.0905848400933402},{"text":"So yeah.","start":1341.905,"end":1344.0651,"sentiment":"neutral","sentiment_score":0.04297548718750477},{"text":"But it's capped at thirty two years, so that's why I think it's the right time frame.","start":1344.0651,"end":1349.49,"sentiment":"neutral","sentiment_score":-0.006752640666330562},{"text":"So I'm not on a CBA contract at this point in time.","start":1352.27,"end":1356.67,"sentiment":"neutral","sentiment_score":-0.05083715310320258},{"text":"But if they're looking at possibly moving me into a different role, which I probably wouldn't take, I'd be site made to sign a new contract that moves me off those entitlements.","start":1356.67,"end":1368.725,"sentiment":"neutral","sentiment_score":-0.16049276944249868}],"sentiment":"neutral","sentiment_score":-0.04609972302846256,"num_words":84,"start":1332.225,"end":1368.725},{"sentences":[{"text":"So at the moment, my Bankwest contract that I signed thirty years ago is quite tight.","start":1371.105,"end":1376.59,"sentiment":"neutral","sentiment_score":-0.2274569384753704},{"text":"And at the moment, the union is all over what CBA is trying to do, and he's squashing them at every opportunity.","start":1376.97,"end":1385.39,"sentiment":"neutral","sentiment_score":-0.2164233076301488},{"text":"Yeah.","start":1392.235,"end":1392.735,"sentiment":"neutral","sentiment_score":-0.04807098209857941},{"text":"So there there are some people that have been affected by the restructures that have been going on, and there's more to come.","start":1392.875,"end":1403.1349,"sentiment":"neutral","sentiment_score":-0.14293564208175824},{"text":"So I'm led to believe, which is why I think I'm wrapped up in the next lot.","start":1405.38,"end":1410.52,"sentiment":"neutral","sentiment_score":-0.07328048567561542}],"sentiment":"neutral","sentiment_score":-0.1643288960751099,"num_words":79,"start":1371.105,"end":1410.52},{"sentences":[{"text":"So, yeah, it's just a matter of when.","start":1412.3401,"end":1414.28,"sentiment":"neutral","sentiment_score":-0.03594964183866978},{"text":"I would definitely get that.","start":1430.165,"end":1431.765,"sentiment":"neutral","sentiment_score":0.07862376421689987},{"text":"Yeah.","start":1431.765,"end":1432.265,"sentiment":"neutral","sentiment_score":0.058106981217861176},{"text":"Yep.","start":1441.43,"end":1441.93,"sentiment":"neutral","sentiment_score":0.09992416948080064},{"text":"So so if something happens, I can book back in with you, Dana?","start":1442.9501,"end":1447.755,"sentiment":"neutral","sentiment_score":0.09783032163977623}],"sentiment":"neutral","sentiment_score":0.05483382208538907,"num_words":28,"start":1412.3401,"end":1447.755},{"sentences":[{"text":"Okay.","start":1459.435,"end":1459.935,"sentiment":"neutral","sentiment_score":0.18689656257629397},{"text":"No problem.","start":1459.995,"end":1460.8151,"sentiment":"positive","sentiment_score":0.37224559485912323},{"text":"Thank you.","start":1460.875,"end":1461.695,"sentiment":"positive","sentiment_score":0.6582023799419403},{"text":"I think at this point in time, I'm I'm I'm pretty comfortable.","start":1513.335,"end":1517.755,"sentiment":"neutral","sentiment_score":0.011138408444821835},{"text":"But, yeah, like I said, if something definitely changes, I will definitely ring back and go, no.","start":1519.9,"end":1525.1001,"sentiment":"neutral","sentiment_score":-0.19551156505065806}],"sentiment":"neutral","sentiment_score":-0.027713035068967763,"num_words":34,"start":1459.435,"end":1525.1001},{"sentences":[{"text":"We really need to review this because it it's not looking good.","start":1525.1001,"end":1528.9601,"sentiment":"negative","sentiment_score":-0.4092108681797981},{"text":"Yes.","start":1531.695,"end":1532.195,"sentiment":"neutral","sentiment_score":0.007520433515310288},{"text":"But but at the moment, I'm I'm more comfortable around the growth portfolio.","start":1532.255,"end":1537.475,"sentiment":"neutral","sentiment_score":-0.0093653487184873},{"text":"I have been in growth portfolios before, so I am sort of aware.","start":1537.695,"end":1542.195,"sentiment":"neutral","sentiment_score":-0.009963884806403747},{"text":"I sort of don't put all my eggs in one bucket if you like.","start":1542.495,"end":1545.87,"sentiment":"neutral","sentiment_score":-0.08183094672858715}],"sentiment":"neutral","sentiment_score":-0.1188664768804919,"num_words":53,"start":1525.1001,"end":1545.87},{"sentences":[{"text":"Yes.","start":1564.645,"end":1565.145,"sentiment":"neutral","sentiment_score":0.12827026844024658},{"text":"Yep.","start":1574.62,"end":1575.12,"sentiment":"positive","sentiment_score":0.382130354642868},{"text":"Sure.","start":1587.235,"end":1587.735,"sentiment":"neutral","sentiment_score":0.1689656227827072},{"text":"Probably, I would I think, currently, 65.","start":1597.3949,"end":1604.5399,"sentiment":"neutral","sentiment_score":-0.06797175801226071},{"text":"I could be wrong, but I'm I'm sort of working around the 65 years of age of try trying to access.","start":1606.2,"end":1615.74,"sentiment":"neutral","sentiment_score":-0.054867478797123545}],"sentiment":"neutral","sentiment_score":-0.03060171338579347,"num_words":31,"start":1564.645,"end":1615.74},{"sentences":[{"text":"Because I do have some shares stashed away that I actually can sell if I get really desperate.","start":1617.6951,"end":1623.9551,"sentiment":"neutral","sentiment_score":0.0221754875448015},{"text":"So I I do have that income to fall back on as well.","start":1626.0951,"end":1629.875,"sentiment":"neutral","sentiment_score":0.06968185076346764},{"text":"But, yeah, ultimately, round about 65, I would like to basically go, you know what?","start":1631.74,"end":1638.4601,"sentiment":"neutral","sentiment_score":0.07508496666948},{"text":"I'm really done with work.","start":1638.4601,"end":1639.9,"sentiment":"neutral","sentiment_score":0.122120401263237},{"text":"I just wanna plot around and go and travel and and do some stuff while I'm still virtually young and able to do that.","start":1639.9,"end":1648.735,"sentiment":"neutral","sentiment_score":0.24531177369256815}],"sentiment":"neutral","sentiment_score":0.1190584254761537,"num_words":75,"start":1617.6951,"end":1648.735},{"sentences":[{"text":"And my and my and my kids would be a little bit older as well and more self sustained.","start":1650.555,"end":1657.2151,"sentiment":"neutral","sentiment_score":0.12264230200334598},{"text":"Okay.","start":1674.4149,"end":1674.9149,"sentiment":"neutral","sentiment_score":0.04634556919336319},{"text":"Okay.","start":1691.51,"end":1692.01,"sentiment":"neutral","sentiment_score":0.11264722049236298},{"text":"Sorry.","start":1711.805,"end":1712.2051,"sentiment":"neutral","sentiment_score":-0.12291356176137924},{"text":"Can you repeat that one?","start":1712.2051,"end":1713.42,"sentiment":"neutral","sentiment_score":-0.08294285535812378}],"sentiment":"neutral","sentiment_score":0.0722803218221223,"num_words":27,"start":1650.555,"end":1713.42},{"sentences":[{"text":"Probably, like, moderate to medium risk.","start":1728.895,"end":1731.875,"sentiment":"neutral","sentiment_score":-0.01672261254861951},{"text":"No.","start":1746.22,"end":1746.62,"sentiment":"neutral","sentiment_score":-0.06975133717060089},{"text":"I don't wanna borrow money to take out loans or investment type things.","start":1746.62,"end":1751.5,"sentiment":"neutral","sentiment_score":-0.1363718303350302},{"text":"I would rather do that paying cash.","start":1751.5,"end":1754.48,"sentiment":"neutral","sentiment_score":-0.014817421457597188},{"text":"The only thing that I've done recently is gone as a guarantor signature for my son to buy another car, but that's as far as a risk that I'm willing to take.","start":1755.7649,"end":1767.065,"sentiment":"neutral","sentiment_score":-0.07029522873926908}],"sentiment":"neutral","sentiment_score":-0.07281508604538138,"num_words":59,"start":1728.895,"end":1767.065},{"sentences":[{"text":"And it will actually depend on the amount, obviously.","start":1768.3301,"end":1773.15,"sentiment":"neutral","sentiment_score":-0.05543873831629753},{"text":"But, yeah, I definitely would not borrow to invest in money and stuff like that.","start":1775.13,"end":1781.79,"sentiment":"neutral","sentiment_score":-0.08475250800450643},{"text":"No.","start":1790.4751,"end":1790.795,"sentiment":"neutral","sentiment_score":-0.05642310902476311},{"text":"I borrowed for the house, which is fully paid off for mine.","start":1790.795,"end":1794.9551,"sentiment":"neutral","sentiment_score":-0.0678011824687322},{"text":"I borrowed for a car, which is fully paid off for mine.","start":1794.9551,"end":1798.26,"sentiment":"neutral","sentiment_score":-0.022681738172347348}],"sentiment":"neutral","sentiment_score":-0.059437845339428405,"num_words":49,"start":1768.3301,"end":1798.26},{"sentences":[{"text":"And now my son's borrowed, but that's about it.","start":1799.7,"end":1802.8201,"sentiment":"neutral","sentiment_score":-0.021967773429221578},{"text":"So given my age, I'm trying to reduce as much debt as I have against my name so that I am comfortable.","start":1802.8201,"end":1813.535,"sentiment":"neutral","sentiment_score":0.01685285254974257},{"text":"And the money that I do make, I'm not paying back every investor rather than actually just covering the day to day expenses because it's gonna get quite expensive very shortly, and I I need to be able to cover that without any major debt over my head.","start":1813.595,"end":1836.14,"sentiment":"neutral","sentiment_score":-0.055894747777832286},{"text":"No.","start":1858.62,"end":1859.02,"sentiment":"neutral","sentiment_score":-0.28679704666137695},{"text":"I'm I'm pretty comfortable given where it's at at the moment.","start":1859.02,"end":1862.48,"sentiment":"neutral","sentiment_score":-0.0617290333929387}],"sentiment":"neutral","sentiment_score":-0.03819463200097044,"num_words":91,"start":1799.7,"end":1862.48},{"sentences":[{"text":"And given my age, like I said, at the same age, I actually have more in my super than my husband did, which was really surprising considering he's aged my age because he obviously hit it a lot sooner than I have been older, but I'm now what I'm classed as and I and I hate to say this terminology, but I'm really on borrowed time to where he is.","start":1863.765,"end":1890.975,"sentiment":"neutral","sentiment_score":-0.03784955268991845},{"text":"So I've actually exceeded his age when he died.","start":1891.855,"end":1895.875,"sentiment":"neutral","sentiment_score":0.0023194940553771127},{"text":"So I consider myself on borrowed time.","start":1897.135,"end":1899.535,"sentiment":"neutral","sentiment_score":0.02541911043226719},{"text":"Any any years that I get post his death age is borrowed time for me.","start":1899.535,"end":1905.535,"sentiment":"neutral","sentiment_score":0.001686226452390353},{"text":"So, yeah.","start":1905.535,"end":1913.9401,"sentiment":"neutral","sentiment_score":0.054792534559965134}],"sentiment":"neutral","sentiment_score":-0.02248331070741982,"num_words":103,"start":1863.765,"end":1913.9401},{"sentences":[{"text":"Yeah.","start":1913.9401,"end":1914.4401,"sentiment":"neutral","sentiment_score":0.06564918905496597},{"text":"I've looked at life differently.","start":1914.58,"end":1916.18,"sentiment":"neutral","sentiment_score":0.04271782413125038},{"text":"I don't sweat the small stuff anymore.","start":1916.18,"end":1918.34,"sentiment":"neutral","sentiment_score":0.004425724170037679},{"text":"It's like I said, it's about setting myself and my kids up for the long haul.","start":1918.34,"end":1923.355,"sentiment":"neutral","sentiment_score":0.12315088091418147},{"text":"And I've actually had these conversations with my kids saying, unless I set you up, you are not gonna get into the housing market.","start":1924.935,"end":1932.075,"sentiment":"neutral","sentiment_score":-0.09199928228432934}],"sentiment":"neutral","sentiment_score":0.001370749032160021,"num_words":53,"start":1913.9401,"end":1932.075},{"sentences":[{"text":"It's just gonna be that unrealistic for you guys to even try and own your own home.","start":1932.39,"end":1937.93,"sentiment":"neutral","sentiment_score":-0.20746175681843476},{"text":"Yeah.","start":1946.87,"end":1947.37,"sentiment":"neutral","sentiment_score":-0.029490070417523384},{"text":"So, yeah, like I said to my kids, I'm I'm not picking them out anytime soon.","start":1949.9551,"end":1954.755,"sentiment":"neutral","sentiment_score":-0.05669894511811435},{"text":"If they wanna stay, you know, into their thirties or maybe forties, Happy for that.","start":1954.755,"end":1960.37,"sentiment":"neutral","sentiment_score":0.0357699429616332},{"text":"The house is big enough.","start":1960.37,"end":1961.4099,"sentiment":"neutral","sentiment_score":0.021027637273073198}],"sentiment":"neutral","sentiment_score":-0.07077473569316445,"num_words":54,"start":1932.39,"end":1961.4099},{"sentences":[{"text":"They're not gonna tread on my toes, and I'm not gonna tread on this.","start":1961.4099,"end":1964.5499,"sentiment":"neutral","sentiment_score":-0.08273085233356271},{"text":"So yes.","start":1966.0499,"end":1966.95,"sentiment":"neutral","sentiment_score":0.043970322236418724},{"text":"So and and I actually brought my house as an investment.","start":1967.09,"end":1970.95,"sentiment":"neutral","sentiment_score":0.07933575727722862},{"text":"So if anything happens, they they could sell it.","start":1971.09,"end":1975.105,"sentiment":"neutral","sentiment_score":0.039487334796124034},{"text":"Cool.","start":2015.275,"end":2015.775,"sentiment":"positive","sentiment_score":0.4646444022655487}],"sentiment":"neutral","sentiment_score":0.01682249884549025,"num_words":37,"start":1961.4099,"end":2015.775},{"sentences":[{"text":"No problems.","start":2015.835,"end":2016.495,"sentiment":"positive","sentiment_score":0.4188947379589081},{"text":"Not not really.","start":2027.16,"end":2028.5399,"sentiment":"neutral","sentiment_score":-0.047528294225533806},{"text":"I I like I said, I am pretty comfortable where I am financially at the moment.","start":2028.6,"end":2033.315,"sentiment":"neutral","sentiment_score":0.09423515759408474},{"text":"And out of my family, I'm probably the only one that's really set myself up properly by having these conversations and looking at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that.","start":2035.0549,"end":2050.98,"sentiment":"neutral","sentiment_score":0.15886678681411642},{"text":"I actually do review them quite regularly purely to get the best deal for my family and my needs at the time.","start":2051.04,"end":2059.3,"sentiment":"neutral","sentiment_score":0.2767004438421943}],"sentiment":"neutral","sentiment_score":0.17507906510598129,"num_words":90,"start":2015.835,"end":2059.3},{"sentences":[{"text":"So yeah.","start":2061.2952,"end":2062.0151,"sentiment":"neutral","sentiment_score":0.26036419719457626},{"text":"So I'm feeling pretty comfortable where I am.","start":2062.0151,"end":2065.135,"sentiment":"positive","sentiment_score":0.4865257553756237},{"text":"And if yeah.","start":2065.135,"end":2066.895,"sentiment":"neutral","sentiment_score":0.322331964969635},{"text":"Like I said, if anything major changes, I would definitely book in.","start":2066.895,"end":2071.715,"sentiment":"neutral","sentiment_score":0.2606140039861202},{"text":"Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will definitely give you a callback because it's got an impact on my super going forward.","start":2073.24,"end":2092.985,"sentiment":"neutral","sentiment_score":0.015098381248832332}],"sentiment":"neutral","sentiment_score":0.12206994505035446,"num_words":76,"start":2061.2952,"end":2092.985},{"sentences":[{"text":"Yeah.","start":2106.9001,"end":2107.4001,"sentiment":"neutral","sentiment_score":0.006800886243581772},{"text":"Looking looking at my work plan, I'm not very optimistic it's gonna get better.","start":2107.78,"end":2112.28,"sentiment":"neutral","sentiment_score":-0.29104421766740934},{"text":"But the good thing is, you know, very shortly, it's not gonna be my problem.","start":2115.54,"end":2119.4849,"sentiment":"neutral","sentiment_score":0.2853019908070564},{"text":"So No problem.","start":2119.4849,"end":2128.365,"sentiment":"positive","sentiment_score":0.37418432037035626},{"text":"Thank you very much, Dana.","start":2128.365,"end":2129.9849,"sentiment":"positive","sentiment_score":0.7437774419784546}],"sentiment":"neutral","sentiment_score":0.13297768084234313,"num_words":38,"start":2106.9001,"end":2129.9849},{"sentences":[{"text":"You too.","start":2136.0051,"end":2136.825,"sentiment":"positive","sentiment_score":0.39510704576969147},{"text":"Bye.","start":2137.605,"end":2138.105,"sentiment":"positive","sentiment_score":0.4441258311271667}],"sentiment":"positive","sentiment_score":0.4114466408888499,"num_words":3,"start":2136.0051,"end":2138.105}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Lisa.\n\nChannel 0: Hi, Lisa. This is Dana from OKIE Financial. How are you this morning?\n\nChannel 1: Not bad. Thank you. And yourself?\n\nChannel 0: I'm very well. Thank you. I had you pulled in for a bit of a catch up today. Is now still a good time there for you? Perfect.\n\nHow's your morning been so far?\n\nChannel 1: Sure. Yeah. A bit hectic at the moment.\n\nChannel 0: Oh, how's it? I'm so sorry to hear that. I'll try not to keep you too long. Lisa,\n\nChannel 1: Mhmm.\n\nChannel 0: is this a bit of a catch up after your annual review we completed? Because we are discussing your personal information, I do wanna do security there with you.\n\nChannel 1: Sure.\n\nChannel 0: But first, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful. And this is sorry. Just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yes. It's Lisa Marie Killrain. 1974. Number 7 Potter Street in Huntingdale, Western Australia 6110.\n\nChannel 0: Beautiful. Thank you so much for that. Lisa, I had you booked in for a bit of a catch up. I know you completed your annual review with my colleague Samantha about a week or so ago, and she had sort of had a bit of a chat about your portfolio there. I've booked you in for a bit of a conversation in relation to one of the investments.\n\nDo you remember kinda going through that with her at all?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Yeah. That's okay. So the main so the reason we wanted to do the catch up with you is just to kinda go through what's been happening. One of your underlying investments has sort of seen a bit of a a change, and we wanted to touch base to, like, maybe have a chat about updating the advice for you.\n\nChannel 1: Yep.\n\nChannel 0: In your portfolio and look when I have a look back at your portfolio over the course of the last year and when you have been onboard from 2022, you have seen some great returns there. From inception, your portfolio is up by 40.25%. So when we look at that on an annual basis, it's about a 10.06% compounded return. So you have done quite well. However, in the last couple of weeks that we have noted that, Ben, along your Australian equities portion of your portfolio has been underperforming slightly, and, essentially, that is because one of their underlying investments, Corporate Traveler, has got, unfortunately, been a bit dishonest.\n\nThe market wasn't reporting correctly. And that obviously had come out in their reports to the market there. It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well. We do want to start maybe moving you out of that and putting else in its place, but we just wanted to have a bit of a conversation to sorta get a feel for what you are after with regard to your investments there. Does that all make sense so far?\n\nOr\n\nChannel 1: Yeah. It does.\n\nChannel 0: yeah. Perfect. Essentially, when we are looking at maybe updating the investment strategy, I can see you expecting some changes to your circumstances over the next couple of months as well. I'm very sorry to hear that you might be made redundant. Is there any kind of word on where that might be going at the moment?\n\nHave they sort of given you an update at all?\n\nChannel 1: Not yet. It's still in the process. It's not a\n\nChannel 0: Yeah.\n\nChannel 1: unhappy thing. It's something\n\nChannel 0: Okay.\n\nChannel 1: that I want in terms\n\nChannel 0: Yeah.\n\nChannel 1: of where the where my current employer is going is not where I want to align my values as an employee.\n\nChannel 0: Yeah.\n\nChannel 1: So after thirty years, I've actually basically said bring it on. Because\n\nChannel 0: Lovely.\n\nChannel 1: I'm look I am looking for a new challenge, and\n\nChannel 0: Yes.\n\nChannel 1: I think this is the right time frame wise. It may\n\nChannel 0: Yeah.\n\nChannel 1: be a right time for me to look elsewhere and spread my wings because I'm not planning on retiring anytime soon. Considering\n\nChannel 0: Yeah.\n\nChannel 1: that I'm only 52 this year,\n\nChannel 0: Yes.\n\nChannel 1: I've got still plenty of working life in me. It's\n\nChannel 0: Absolutely.\n\nChannel 1: whether other people\n\nChannel 0: Yes.\n\nChannel 1: think that, you know, employing someone so old is\n\nChannel 0: Yep.\n\nChannel 1: a a good move for them.\n\nChannel 0: Yeah. Absolutely. Look. You are 52 years young this year. You still have plenty of time ahead of you and a lot of life to live there, so I absolutely agree.\n\nNo. Well, I'm and I'm glad to hear that that's a good thing that you're kind of wanting this change. Have you sort of thought about what you'd like to do in in the future? Something\n\nChannel 1: No.\n\nChannel 0: that interests you or no?\n\nChannel 1: So what I'm planning on doing once it actually happens is basically taking a two month detox, especially after a thirty year career in the one area,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: really look around and see what's gonna grab my interest. Whether\n\nChannel 0: Yep.\n\nChannel 1: I go back to school and actually\n\nChannel 0: Yes.\n\nChannel 1: get a different degree, I'm\n\nChannel 0: Yep.\n\nChannel 1: quite willing to do that to virtually expand my skill set. So\n\nChannel 0: Yeah.\n\nChannel 1: there's\n\nChannel 0: Okay.\n\nChannel 1: a there's a few areas that I'm looking, but I don't know, like I said, whether they will wanna employ somebody with my skill set.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: Understandable.\n\nChannel 1: and I and I'm virtually just basically looking for something that will cover my day to day expenses and not\n\nChannel 0: Yep.\n\nChannel 1: anything beyond that, if that makes sense.\n\nChannel 0: Yeah. No. Completely understandable. And so you'll still be in this role until about is it March, or have they kind of worked out when that might occur that change might occur?\n\nChannel 1: Well, at the moment, we're waiting on formal confirmation to go out. It was supposed to happen at the towards the end of this month. I cannot\n\nChannel 0: Yep.\n\nChannel 1: personally see that happening\n\nChannel 0: Yes.\n\nChannel 1: given the time frame that they wanted this to happen. So I would imagine round about mid March, but I cannot even see that coming to fruition knowing that, you know, the track record of this bloody company is all over the place.\n\nChannel 0: Yeah.\n\nChannel 1: So at the moment, I'm sorta I've been in limbo since May, which\n\nChannel 0: Yep.\n\nChannel 1: is why I've actually pushed for the route that I have gone to say,\n\nChannel 0: Okay.\n\nChannel 1: well, you don't value me as an employee by doing this restructure and kept me hanging for this time frame. So\n\nChannel 0: Yeah.\n\nChannel 1: it was sort of basically pushing back on them and saying, I'm not interested.\n\nChannel 0: Yeah. Absolutely. And you've still got some kids living at home. They're 18. Is that right?\n\nChannel 1: Yeah. Both of them are 18. One is working, but trying to get him to look at changing roles\n\nChannel 0: Yep.\n\nChannel 1: because I don't think it's good fit for him, and he's finally, 18, finally looking at this company choosing and abusing him. And I'm looking at getting my daughter into some study to get one more\n\nChannel 0: Yeah.\n\nChannel 1: part of her degree so that it expands her aspects of being employed because she's looking\n\nChannel 0: Yep.\n\nChannel 1: at becoming an EA. So she's\n\nChannel 0: Okay.\n\nChannel 1: got one most of it, she just needs\n\nChannel 0: Yep.\n\nChannel 1: this one little part of it to actually make that happen because she loves working with special needs.\n\nChannel 0: Oh, that's beautiful. It takes a lot of patience and a very special person to work in that area.\n\nChannel 1: Yeah. So she she's trying to find a full time job that works around her current job as a gymnastics coach as well. So she loves working\n\nChannel 0: Yeah.\n\nChannel 1: with children, And she gives her time back to that, and she also works for special needs, which is why she's actually looking at the avenue.\n\nChannel 0: Oh, that's beautiful. That's fantastic. So do they sort of rely on you much financially at the moment?\n\nChannel 1: Yes and no. Is that right?\n\nChannel 0: Yeah. It does. Absolutely.\n\nChannel 1: Yes. To a point if there's low in their income and they\n\nChannel 0: Mhmm.\n\nChannel 1: need assistance because they both bought vehicles.\n\nChannel 0: Yes.\n\nChannel 1: So I help out where I can, which is why I said that I I'm still looking at something to cover the day to day bills in case\n\nChannel 0: Yeah.\n\nChannel 1: I need to help them out. So I'll be looking roughly around what I'm currently earning, maybe a little\n\nChannel 0: Yep.\n\nChannel 1: bit more as a buffer\n\nChannel 0: Yep.\n\nChannel 1: for my next employment opportunity. So that's\n\nChannel 0: Yeah.\n\nChannel 1: that's the key figure I've got in my mind. Anything\n\nChannel 0: Yeah.\n\nChannel 1: about that will be beneficial.\n\nChannel 0: Absolutely. No. Perfect. Well, we have certainly two avenues that we can definitely take. And sort of moving forward, there are some big changes to your circumstances that we may need to take into effect when we are updating\n\nChannel 1: Yep.\n\nChannel 0: the advice. Did you want us to look Benelung is showing it is down at the moment, but it isn't holding a huge amount of your portfolio back. As I mentioned, you had a great return over the past couple of years when we look at the compounding effect there. And if I just go back to the last twelve months sorry. Just running my computer.\n\nSo the last twelve months shows even with Benelon having a bit of a callback, you still received about a 6.09% return. So you have done really well. And because your balance is certainly higher, as your balance does increase and keeps compounding, smaller changes are gonna make a bit more of an effect. Would you like us to provide the advice around the the switch in investments now, or did you maybe wanna do a bit of a catch up in another couple of weeks and see where things are going with your employer, and maybe factor in any other changes into the advice? What would you like us to do moving forward?\n\nHow do you how comfortable do you feel?\n\nChannel 1: Yeah. I think I wanna explore maybe changing, especially if it's not performing as well as it should be.\n\nChannel 0: Yes. Yep.\n\nChannel 1: But also probably review it given when my circumstances change as well to make sure that I'm still aligned to what where I really wanna go because my super is all about really if anything happens to me, I'm I'm trying to set my kids up\n\nChannel 0: Yes.\n\nChannel 1: as well. So hence why I've taken out the life insurance policies and stuff like\n\nChannel 0: Yep.\n\nChannel 1: that, not only on myself but on my children. And given the fact that I did lose my husband thirteen years ago\n\nChannel 0: Yeah.\n\nChannel 1: to cancer,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: I wasn't actually he wasn't as financially prepared as probably he should have been given his age.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. And and given his circumstances, he sort of set me up to help set the kids up, if that makes\n\nChannel 0: Okay.\n\nChannel 1: sense.\n\nChannel 0: Yeah. Absolutely. No. Definitely. So you're comfortable with us doing the advice now, sort of looking at things now even with the the upcoming changes, or did you wanna maybe hold off a few weeks and and do everything together?\n\nChannel 1: It just depends on how much of a financial impact that's gonna make. I know it comes\n\nChannel 0: Yep.\n\nChannel 1: out of my super. But if it's looking at going to preferably boost it sooner rather than later, I'd rather do that and then\n\nChannel 0: Yeah.\n\nChannel 1: know when my circumstances change. I'll definitely get back in touch with you and say, look. This is my new annual figure. Is that still on track, or do we need to look at reviewing it again?\n\nChannel 0: Yeah. That's absolutely fine. We can do that. Not a problem. What I'd be wanting to do, because you are very close to looking at what this redundancy might look like, I may look at, obviously, what you are now, but then also factor\n\nChannel 1: Yep.\n\nChannel 0: in maybe what happens if there's no contributions going into your super and looking\n\nChannel 1: Yeah.\n\nChannel 0: at strategies that kind of keep your super working because you are paying for your life and TB to get out of the super. So whilst it's you know, you want your super still to be growing, and with the life and TPD component, it's not a huge cost. At the moment, the this year, the premium is about 1,387 and 73¢ coming out of super, so it's not a massive one. When we look at the earnings that has been generated by your portfolio over the last twelve months there, it shows the earnings for the growth plus the income is about 30,681. So you do see as your super gets as your balance increases that the compounding effect increases there.\n\nSo it is a small portion, but I do just wanna see what the effect looks like if there's no contributions going in, and that kind of shows\n\nChannel 1: Yeah.\n\nChannel 0: you moving forward. If you don't have a job in a few months' time, just making sure it is still working for you is important. Is that okay?\n\nChannel 1: That is perfectly fine.\n\nChannel 0: Perfect. And when we do look at the different ways of investing, did you look at, your super very often? Do you\n\nChannel 1: I I do switch in every now and again and just keep an eye\n\nChannel 0: Mhmm.\n\nChannel 1: on what's going on. So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part.\n\nChannel 0: Yep.\n\nChannel 1: So I I\n\nChannel 0: Yep.\n\nChannel 1: do see them quite often. I go, oh, okay. Yeah. No. No.\n\nI can't think. So I do keep an eye on it.\n\nChannel 0: Yep.\n\nChannel 1: And I think now that my children are working, they're actually a little bit more into especially my son's asking questions around super because I'm looking at getting him\n\nChannel 0: Yeah.\n\nChannel 1: into a super fund that will work for him. So\n\nChannel 0: Perfect.\n\nChannel 1: I actually showed him mine, and he was gobsmacked with actually how much I had in there. He actually\n\nChannel 0: Yeah.\n\nChannel 1: thought I had a little mad about in there, and I went, no, dude. That's not how it works.\n\nChannel 0: Yeah.\n\nChannel 1: So he was I think he was blown away with what is actually in my super for him. And I and I did say that you're not gonna get all that. You get a percentage\n\nChannel 0: Correct.\n\nChannel 1: of that. Yeah.\n\nChannel 0: Yeah. Yeah. Definitely. You've still got to enjoy your retirement years too.\n\nChannel 1: If I'm still around that long, I'm planning on being, but, yeah,\n\nChannel 0: Oh, I\n\nChannel 1: who\n\nChannel 0: hope\n\nChannel 1: knows?\n\nChannel 0: you are, Lisa. A long time to go. Yep. Perfect. No.\n\nThat's absolutely fine. I'm glad your son was really impressed with where things are going there. So one of the things I wanted to touch base on is there are different ways of investing. So having been along in your portfolio when you came on board originally was about having a little bit of an active manager in there. The role of an active manager, you can pay a little bit more for these sorts of investments, but the role of an active manager is that they're supposed to be buying and selling.\n\nThey're supposed to be investing within their strategy so that they're outperforming against the market because you do tend to pay a bit more for these sorts of managers in your portfolio. Now because Bannalong, unfortunately, have come back and had a bit of a dip there with their issues over the last few months, and even sort of when you look back, well, they have been a great investment over the couple of years, but they have had those times where they've had a bit of a pullback and have taken a little bit longer to kind of come back and recover from those instances. So it is definitely time to maybe look at removing them and putting something else in their place. But because\n\nChannel 1: Yep.\n\nChannel 0: you are getting closer and closer to the years where you're able to access Super, did you wanna keep more of an active manager in your portfolio, or would you like to look at something a little bit more low cost that might be more passively managed? Passive investments tend to track a certain index or the market as a whole, and they tend to be a bit more lower cost and can perform better than active managers in the long run as well. What would you like to sort of see with your investments?\n\nChannel 1: Yeah. Probably look at probably switching to the lower one.\n\nChannel 0: Yeah.\n\nChannel 1: I would rather get more value out of what's going on.\n\nChannel 0: Yep.\n\nChannel 1: If the active manager is not actually performing, I would rather probably make that switch.\n\nChannel 0: Yeah. Perfect. And the one thing you mentioned to me, Jasmine, was really valuable was the value side of it. The other thing we sort of have been looking at is over the course of the last twelve months, our investment committee now. Directors here, along with utilizing BlackRock, which is one of Australia's largest investment firms, they have actually built a separately managed account.\n\nIt's called an SMA. Essentially, what this is, it is an an investment account that you can hold on Hub twenty four. Inside that investment account, you have anywhere between 10 to 50 different investment options depending on what they see is valuable to have in that SMA. The benefits of having that sort of thing and where the value lies in that product is that you you kind of give us a bit more control around removing or moving around the investment options. So our investment committee with BlackRock's investment team meet on a regular basis.\n\nAt the moment, it is kinda quarterly, and they review the investments within the portfolio there. If, say, something happened like what has happened with black sorry. With Van Alon where the investments underperformed slightly, they feel like it should be moved out. By being in that SMA product, we can actually remove that and put something else in its place, and that means we don't need to update the advice very regularly for you. We have a lot more control around making those decisions and removing investments to give you value and make sure the investments are, you know, working harder.\n\nThe downside to having that SMA is that when you look at your sleep, you don't see the nine different investment options. You have a let little bit less visibility in the underlying investments, and you would see your balance and the estimated product you're in. We can send you regular reports when things change. We can send you transaction reports and trade reports and change reports and things like that to let you know what's happening, but it's more about the visibility in your super. Would you like to see yourself in something like that where changes can be made if they need to be made without kind of going through and waiting and having the conversation, or do you want a bit more visibility on the investments in your super?\n\nWhat sort of picks your fancy more? What do you wanna see?\n\nChannel 1: Probably I'm probably comfortable with not having as much visibility. And\n\nChannel 0: Yeah.\n\nChannel 1: if someone cares performing, move with the market quite quickly\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: as opposed to just, you know, seeing where it's gonna lie.\n\nChannel 0: Yep.\n\nChannel 1: Because the\n\nChannel 0: Perfect.\n\nChannel 1: market at the moment is from what I'm understanding when I watch the news and and stuff, it it's a bit volatile. You know? If\n\nChannel 0: Yeah.\n\nChannel 1: something's going on in that sector, especially in the financial sector that I work for, if something\n\nChannel 0: Yeah.\n\nChannel 1: is happening with my current employer and they're in the news\n\nChannel 0: Yep.\n\nChannel 1: saying, you know, this is happening and, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: they've been fined and stuff, their stock\n\nChannel 0: Yes.\n\nChannel 1: is\n\nChannel 0: Yep.\n\nChannel 1: gonna go down. Right? So that's gonna take a hit. But where\n\nChannel 0: Yep.\n\nChannel 1: you know, if that happens, I would rather try and counteract that with not taking a big hit. I would\n\nChannel 0: Yep.\n\nChannel 1: rather it be a little hit and move quite quickly with the market.\n\nChannel 0: Yeah. Perfect. Yep. No. That's a really good way of putting it.\n\nExcellent. So it does sound like that estimated product would be fairly suitable for you. So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in. I'll also review the investments. I'll look at all the options.\n\nSo the the separately managed account option as well as any other options we have for investments, just making sure that that's in line with you. We also do\n\nChannel 1: Yep.\n\nChannel 0: factor in the CGT. So because your super balance is really well, you have done quite well over the years. We don't wanna obviously have too high a tax effect on your super. Your super\n\nChannel 1: Yeah.\n\nChannel 0: fund has to account for CGT and income and earnings tax on a yearly basis as well. So we don't wanna, you know, cause anything that's gonna have too much of a tax effect. But I can review all those different options for you, provide the advice document that shows you and outlines what what we're recommending, how, and why. And then when you get to have a look at that, you can decide whether you take on all the recommendations, some of them or none of them at all. Does that sound okay?\n\nChannel 1: Yeah. That sounds like a plan.\n\nChannel 0: Beautiful. Excellent. I'll account for what's happening with your circumstances now, but we'll also factor in the changes to come. So noting, you know, having a look at how it looks without any contributions as well just to sort of see what we might be expecting. And we'll probably put something in the advice document with the recommendations, but then also have the appendix aside with alternative options for you so you can kinda see the different scenarios we have looked at as well.\n\nIs that alright?\n\nChannel 1: Yes. That'd be great.\n\nChannel 0: Yeah. Beautiful. Now with your insurances, obviously, we're not gonna look at altering them in any way at the moment, but it is important because we are updating the advice around the investments in your suit. But with your insurance and being paid out of them, we do need to make sure we factor that into the scenario. You've got your licensed TPD component there.\n\nEssentially, your current licensed TPD sum insured is 464,814. Having a look, you don't have any income protection at the moment. You're comfortable just with the life and TV. You don't wanna look at income protection while you're still working. You're happy with the cover you have.\n\nIs that right? Did you wanna look at anything else, or did you have any questions around the cover?\n\nChannel 1: No. I'm quite happy not having income protection\n\nChannel 0: Yep.\n\nChannel 1: at this point in time,\n\nChannel 0: That's okay.\n\nChannel 1: but would rather the life insurance policy rather than the income\n\nChannel 0: Yes.\n\nChannel 1: because I'll always manage, you know, with income if I'm struggling. You know? I I\n\nChannel 0: Yep.\n\nChannel 1: do budget every fortnight\n\nChannel 0: Okay.\n\nChannel 1: and have listed what needs to be paid and what so I've sort of seen and tracking my expenditure.\n\nChannel 0: Yep.\n\nChannel 1: And if it means that, you know, I am made redundant and, you know, my funds are running out, I would actually look at getting back into the workforce sooner rather than later.\n\nChannel 0: Okay.\n\nChannel 1: But yeah.\n\nChannel 0: Yeah. Perfect. And do you have much in the way of annual leave or leave entitlements that you should also be able to get paid out when the time comes?\n\nChannel 1: Yes. I'm on my third lot of long service leave, so I still have some of that tucked away where I've got about two months. So I I've\n\nChannel 0: Yep.\n\nChannel 1: only taken about a month of my three months allocation leave,\n\nChannel 0: Yep.\n\nChannel 1: And I do have some annual leave that needs to be paid out as well, as well as the way that my contract was set up because I'm on the old legislation from when I started.\n\nChannel 0: Yep.\n\nChannel 1: I get paid out for three weeks of every year of continual service plus my a full month salary type thing.\n\nChannel 0: Wow.\n\nChannel 1: So yeah. But it's capped at thirty two years, so that's why I think it's the right time frame.\n\nChannel 0: Yes. Yeah. Perfect.\n\nChannel 1: So I'm not on a CBA contract at this point in time. But if they're looking at possibly moving me into a different role, which I probably wouldn't take, I'd be site made to sign a new contract that moves me off\n\nChannel 0: Yeah.\n\nChannel 1: those entitlements.\n\nChannel 0: Yeah.\n\nChannel 1: So at the moment, my Bankwest contract that I signed thirty years ago is quite tight. And\n\nChannel 0: Yeah.\n\nChannel 1: at the moment, the union is all over what CBA is trying to do, and he's\n\nChannel 0: Yep.\n\nChannel 1: squashing them at every opportunity.\n\nChannel 0: Wow. I mean, that contract you're on looks pretty nice. So, yeah, I'd be holding on to that too.\n\nChannel 1: Yeah. So there there are some people that have been affected by the restructures that have been going on, and there's more to come.\n\nChannel 0: Wow.\n\nChannel 1: So I'm led to believe, which is\n\nChannel 0: Yeah.\n\nChannel 1: why I think I'm wrapped up in the next lot.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, it's just a matter of when.\n\nChannel 0: Yeah. Absolutely. Well, do keep us informed as what's happening. It does take us a couple of weeks to go back and have a look at the research and really put the plan together. There's a lot to sort of consider when we are doing the advice document.\n\nSo if anything happens in the next couple of weeks, maybe\n\nChannel 1: I would\n\nChannel 0: if you\n\nChannel 1: definitely\n\nChannel 0: could just\n\nChannel 1: get\n\nChannel 0: let\n\nChannel 1: that.\n\nChannel 0: us know.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Just so we can kinda factor that in there for you. But as soon as we do have the advice ready to go, I'll get the team to book you back in. We'll go through it together so you can have\n\nChannel 1: Yep.\n\nChannel 0: a look at everything, and then you could\n\nChannel 1: So\n\nChannel 0: decide what you wanna do. Yeah.\n\nChannel 1: so if something happens, I can book back in with you, Dana?\n\nChannel 0: Absolutely. Most definitely. If anything happens, you just call the team. They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need. Okay?\n\nChannel 1: Okay. No problem.\n\nChannel 0: Beautiful.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. The last thing I just wanna touch base on here with you, Lisa, is that having a bit of a look at your portfolio, your risk level. So you are in a growth portfolio, which generally sees about 80% of your super invested in growth assets with things like Australian super oh, sorry. Australian shares, international shares, listed property, and commodities, like some gold and silver. This sort of a portfolio, you are taking a bit more risk in the market to obtain or potentially get those greater returns, and you would still see about 20% in those defensive investments of things like cash, bonds, and fixed interest.\n\nThis sort of a portfolio generally suits someone who has about six years before they're wanting to access their super. So given your age and stage, it does fit you still. Are you fairly comfortable with that level of exposure? Did you wanna look at altering that at the moment? Or\n\nChannel 1: I think at this point in time, I'm I'm I'm pretty comfortable.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, like I said, if something definitely changes, I will definitely ring back and go,\n\nChannel 0: Yeah.\n\nChannel 1: no. We really need to review this because it it's not looking good.\n\nChannel 0: Yeah. Absolutely. Yeah. No. That's\n\nChannel 1: Yes.\n\nChannel 0: okay.\n\nChannel 1: But but at the moment, I'm I'm more comfortable around the growth portfolio. I have been\n\nChannel 0: Yeah.\n\nChannel 1: in growth portfolios\n\nChannel 0: Yeah.\n\nChannel 1: before, so I am sort of aware. I sort of don't put all my eggs in one bucket if you like.\n\nChannel 0: Yeah. No. That's perfect. And that's why we do have that mix of the growth investments as well as the defensive asset allocation for you as well. So you are spreading the risk level there, having some of those growth investments to try and obtain greater potential returns, but also having some defensive investments to sort of fall back on in downtime.\n\nChannel 1: Yes.\n\nChannel 0: Defensive investments are good for income producing, but we also do have in your portfolio there a bit of physical gold, which is an alternative investment and tends to work both ways. So it\n\nChannel 1: Yep.\n\nChannel 0: is quite good to have that level of exposure there. I did just wanted to quickly ask three questions just to kinda gauge whether there is any changes to the risk level as well when we are looking at that estimate product.\n\nChannel 1: Sure.\n\nChannel 0: Do you know when you're sort of hoping to realistically be able to access Super when your retirement age was that you would would really like?\n\nChannel 1: Probably, I would I think, currently, 65.\n\nChannel 0: Mhmm.\n\nChannel 1: I could be wrong, but I'm I'm sort of working around the 65 years\n\nChannel 0: Okay.\n\nChannel 1: of age of try trying to access.\n\nChannel 0: Yep.\n\nChannel 1: Because I do have some shares stashed away that I actually\n\nChannel 0: Okay.\n\nChannel 1: can sell\n\nChannel 0: Okay.\n\nChannel 1: if I get really desperate. So I I do have that income to fall back on as well.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: But, yeah, ultimately, round about 65, I would like to basically\n\nChannel 0: Would like to\n\nChannel 1: go,\n\nChannel 0: access.\n\nChannel 1: you know what? I'm really\n\nChannel 0: Yep.\n\nChannel 1: done with work. I just wanna plot around and\n\nChannel 0: Yep.\n\nChannel 1: go and travel and and do some stuff while I'm\n\nChannel 0: Perfect.\n\nChannel 1: still virtually young and able to do that.\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: And\n\nChannel 0: No.\n\nChannel 1: my\n\nChannel 0: That's perfect.\n\nChannel 1: and my and my kids would be a little bit older as well and more\n\nChannel 0: Yeah.\n\nChannel 1: self sustained.\n\nChannel 0: Yeah. Perfect. Well, I can give you some good news. And whilst you can have 65, it's absolutely fine. At the age of 65, regardless of whether you're working or not, your super is made unrestricted nonpreserved.\n\nSo you can access those funds regardless of whether you're working or not at 65. If you decide\n\nChannel 1: Okay.\n\nChannel 0: earlier that you don't wish to work beyond the age of 60, 60, so long as you fully retire, is the age you can also access your super. So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. The next one here is asking about are you comfortable taking on a higher level of risk in order to get those greater potential returns, or do you consider yourself more moderate, medium, or do you think you're not wanting to take on much risk at all to get the best returns you possibly can? How would you sort of rate yourself there?\n\nChannel 1: Sorry. Can you repeat that one?\n\nChannel 0: That's okay. Do you consider yourself happy to take on a higher level of risk to get greater potential returns? Do you consider yourself comfortable taking on a moderate or medium amount of risk to get the best returns you can or next to no risk to get the best returns possible?\n\nChannel 1: Probably, like, moderate to medium\n\nChannel 0: Yep.\n\nChannel 1: risk.\n\nChannel 0: Yep. Perfect. Excellent. And the last one here is have you ever considered taking out a loan to invest in shares or manage funds or you would not wanna borrow for for that sort of investing at all.\n\nChannel 1: No. I don't wanna borrow money to take out loans or investment type things. I would\n\nChannel 0: Okay.\n\nChannel 1: rather do that paying\n\nChannel 0: Yep.\n\nChannel 1: cash.\n\nChannel 0: Yep.\n\nChannel 1: The only thing that I've done recently is gone as a guarantor signature for my son to buy another car, but\n\nChannel 0: Okay.\n\nChannel 1: that's as far as a risk that I'm willing to take.\n\nChannel 0: No. Of course.\n\nChannel 1: And it will actually depend on the amount, obviously.\n\nChannel 0: Yes. Yes.\n\nChannel 1: But, yeah, I definitely would not borrow to invest in money and stuff like that.\n\nChannel 0: No. That's okay. And when you look at your own lending side of things, is this your main primary residence that you've borrowed for in the past?\n\nChannel 1: No. I borrowed for the house, which is fully paid off for mine. I\n\nChannel 0: Yep.\n\nChannel 1: borrowed for a car, which is fully paid off for mine.\n\nChannel 0: Yep.\n\nChannel 1: And now my son's borrowed, but that's about it. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: given my age, I'm trying to reduce as much debt as I have against my name\n\nChannel 0: Yeah.\n\nChannel 1: so that I am comfortable. And the money that I do make, I'm not paying back every investor rather than actually just covering the day to day\n\nChannel 0: Yeah.\n\nChannel 1: expenses because it's\n\nChannel 0: Yeah.\n\nChannel 1: gonna get quite expensive very shortly, and I\n\nChannel 0: Yeah.\n\nChannel 1: I need to be able to cover that without any major debt\n\nChannel 0: Yep.\n\nChannel 1: over my head.\n\nChannel 0: Yep. No. Perfect. That's fantastic. Excellent.\n\nAnd I've just got one more question here with regard to that. Thinking about your super balance at the moment, if you saw a fall over the next six months due to what was happening externally in the market, how do you think you're feeling about that? Are you feeling optimistic about the potential investment opportunities? Are you a bit cautious, concerned, or are you feeling a bit anxious?\n\nChannel 1: No. I'm I'm pretty comfortable given where it's\n\nChannel 0: Yeah.\n\nChannel 1: at at the moment. And given my age, like I said, at the same age,\n\nChannel 0: Yeah.\n\nChannel 1: I actually have more in my super than my husband did, which was really surprising considering he's aged my age because he\n\nChannel 0: Yeah.\n\nChannel 1: obviously hit it a lot sooner than I have been older, but I'm now what I'm classed as and I and I hate to say this terminology, but I'm really on borrowed time to where he is.\n\nChannel 0: Okay.\n\nChannel 1: So I've actually exceeded his age\n\nChannel 0: Yes.\n\nChannel 1: when he died. So I consider myself on borrowed time. Any any years that I get post his death age is borrowed\n\nChannel 0: Yep.\n\nChannel 1: time for me. So,\n\nChannel 0: Uh-huh. Yeah. You do you find yourself appreciating that time a lot more because of that?\n\nChannel 1: yeah. Yeah. I've looked at life differently. I don't sweat\n\nChannel 0: Yeah.\n\nChannel 1: the small stuff anymore. It's like I said, it's about\n\nChannel 0: Beautiful.\n\nChannel 1: setting myself and my kids up for the long haul.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And I've actually had these conversations with my kids saying, unless I set you up, you are not gonna get into the housing market. It's just\n\nChannel 0: Yeah.\n\nChannel 1: gonna be that unrealistic for you guys to even try and own your own home.\n\nChannel 0: Oh, absolutely. My kids are 19 and 20, and I understand exactly. It's very difficult out there, and we've had the same conversations. They will need\n\nChannel 1: Yeah.\n\nChannel 0: my help moving forward. So yeah. Yeah.\n\nChannel 1: So, yeah, like I said to my kids, I'm I'm not picking them out anytime soon. If they wanna stay, you know, into their thirties or maybe forties, Happy for that. The house is big enough. They're not gonna tread on my toes, and I'm not gonna tread on this.\n\nChannel 0: Yeah.\n\nChannel 1: So yes. So and and I actually brought my house as an investment. So if anything happens,\n\nChannel 0: Yep.\n\nChannel 1: they they could sell it.\n\nChannel 0: Yeah. Perfect. No. Excellent. Fantastic.\n\nWell, I've got basically everything I needed to go back and have a really good look. I've got an understanding of where you're after with those questions there. You have still scored in that growth portfolio range. So happy to kinda keep you there for a bit longer given your age and stage and where you're up to. So we'll go back and do a bit of research there for you, have a look at everything that's going on, and update the advice strategy.\n\nIf in the meantime, something happens or changes that you need to let us know about, feel free to give us a call. And if you do have any additional questions and you wanna be booked back in with me, please give us a call, let us know, and the team will book you in for the first available appointment with myself. Okay?\n\nChannel 1: Cool. No problems.\n\nChannel 0: So, Hansi, thank you for taking my call, Lisa. Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment? And I'll ask you everything under the sun.\n\nChannel 1: Not not really. I I like I said, I am pretty comfortable where I am financially at the moment.\n\nChannel 0: Beautiful.\n\nChannel 1: And out of my family, I'm probably the only one that's really set myself up properly by having these conversations and looking\n\nChannel 0: Yeah. Yep.\n\nChannel 1: at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that. I actually\n\nChannel 0: Yeah.\n\nChannel 1: do review them quite regularly\n\nChannel 0: Oh, it's good.\n\nChannel 1: purely to\n\nChannel 0: Yeah.\n\nChannel 1: get the best deal for my family and my needs at the time.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So yeah. So I'm feeling pretty comfortable where I am. And if yeah. Like I said, if anything major changes, I would definitely book in.\n\nChannel 0: Yeah.\n\nChannel 1: Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will\n\nChannel 0: Mhmm.\n\nChannel 1: definitely give you a callback because it's got an\n\nChannel 0: Yeah.\n\nChannel 1: impact on my super going forward.\n\nChannel 0: Absolutely. No. Definitely. Well, thank you so much for that. I'll let you go so you have a good afternoon.\n\nHopefully, the day isn't as hectic as the morning has been there for you, and I'll get working on this research there for you as well.\n\nChannel 1: Yeah. Looking looking at my work plan, I'm not very optimistic it's gonna get better.\n\nChannel 0: Oh, well\n\nChannel 1: But the good thing is, you know, very shortly, it's not gonna be my problem. So\n\nChannel 0: yeah. Absolutely. Perfect. Well, while you're working your butt off there, I'll work mine off here, and we'll get that research completed for you.\n\nChannel 1: No problem. Thank you very much, Dana.\n\nChannel 0: That's okay, Lisa. Thank you for your time this morning. I hope you have a good day. Talk to you soon.\n\nChannel 1: You too.\n\nChannel 0: Thank\n\nChannel 1: Bye.\n\nChannel 0: you. See you later.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.04813357815146446},{"text":"This is Lisa.","start":1.52,"end":2.5,"sentiment":"neutral","sentiment_score":0.0408402718603611}],"sentiment":"neutral","sentiment_score":0.04266359843313694,"channel":1,"num_words":4,"start":1.04,"end":2.5},{"sentences":[{"text":"Hi, Lisa.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.12174008786678314},{"text":"This is Dana from OKIE Financial.","start":3.84,"end":5.38,"sentiment":"neutral","sentiment_score":0.15587198734283447},{"text":"How are you this morning?","start":5.44,"end":6.66,"sentiment":"neutral","sentiment_score":0.24952464699745178}],"sentiment":"neutral","sentiment_score":0.18664117959829477,"channel":0,"num_words":13,"start":3.1999998,"end":6.66},{"sentences":[{"text":"Not bad.","start":7.3599997,"end":8.0,"sentiment":"positive","sentiment_score":0.3772484064102173},{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.48817078769207},{"text":"And yourself?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.31498073786497116}],"sentiment":"positive","sentiment_score":0.39346664398908615,"channel":1,"num_words":6,"start":7.3599997,"end":9.139999},{"sentences":[{"text":"I'm very well.","start":9.5199995,"end":10.48,"sentiment":"positive","sentiment_score":0.5844118595123291},{"text":"Thank you.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.7015336155891418},{"text":"I had you pulled in for a bit of a catch up today.","start":10.88,"end":12.88,"sentiment":"neutral","sentiment_score":0.3174738689110829},{"text":"Is now still a good time there for you?","start":12.88,"end":14.9,"sentiment":"neutral","sentiment_score":0.3170062369770474},{"text":"Perfect.","start":16.965,"end":17.465,"sentiment":"positive","sentiment_score":0.45158517360687256}],"sentiment":"positive","sentiment_score":0.378146586141416,"channel":0,"num_words":28,"start":9.5199995,"end":17.465},{"sentences":[{"text":"How's your morning been so far?","start":17.685,"end":19.545,"sentiment":"neutral","sentiment_score":0.2221636896332105}],"sentiment":"neutral","sentiment_score":0.2221636896332105,"channel":0,"num_words":6,"start":17.685,"end":19.545},{"sentences":[{"text":"Sure.","start":20.355,"end":20.855,"sentiment":"neutral","sentiment_score":0.0507691465318203},{"text":"Yeah.","start":21.955,"end":22.275,"sentiment":"neutral","sentiment_score":-0.02426239848136902},{"text":"A bit hectic at the moment.","start":22.275,"end":23.895,"sentiment":"neutral","sentiment_score":-0.1836812930802504}],"sentiment":"neutral","sentiment_score":-0.1344476263038814,"channel":1,"num_words":8,"start":20.355,"end":23.895},{"sentences":[{"text":"Oh, how's it?","start":23.925,"end":24.805,"sentiment":"neutral","sentiment_score":-0.0400250523040692},{"text":"I'm so sorry to hear that.","start":24.805,"end":25.925,"sentiment":"neutral","sentiment_score":-0.3083799481391907},{"text":"I'll try not to keep you too long.","start":25.925,"end":27.48,"sentiment":"neutral","sentiment_score":-0.20239240862429142},{"text":"Lisa,","start":27.72,"end":27.96,"sentiment":"neutral","sentiment_score":0.0015644831582903862}],"sentiment":"neutral","sentiment_score":-0.19932942397685516,"channel":0,"num_words":18,"start":23.925,"end":27.96},{"sentences":[{"text":"Mhmm.","start":27.75,"end":28.25,"sentiment":"neutral","sentiment_score":0.010673505254089832}],"sentiment":"neutral","sentiment_score":0.010673505254089832,"channel":1,"num_words":1,"start":27.75,"end":28.25},{"sentences":[{"text":"is this a bit of a catch up after your annual review we completed?","start":27.96,"end":30.699999,"sentiment":"neutral","sentiment_score":-0.006698875022786004},{"text":"Because we are discussing your personal information, I do wanna do security there with you.","start":30.76,"end":34.62,"sentiment":"neutral","sentiment_score":-0.0015260751048723857}],"sentiment":"neutral","sentiment_score":-0.004023288858347926,"channel":0,"num_words":29,"start":27.96,"end":34.62},{"sentences":[{"text":"Sure.","start":34.5825,"end":35.0825,"sentiment":"neutral","sentiment_score":0.05756272375583649}],"sentiment":"neutral","sentiment_score":0.05756272375583649,"channel":1,"num_words":1,"start":34.5825,"end":35.0825},{"sentences":[{"text":"But first, just to let you know, we do record our calls for quality and training purposes.","start":34.68,"end":38.199997,"sentiment":"neutral","sentiment_score":0.08330064288833562},{"text":"Are you happy for us to proceed with that?","start":38.199997,"end":40.22,"sentiment":"neutral","sentiment_score":0.12263786130481297},{"text":"Beautiful.","start":41.905,"end":42.305,"sentiment":"neutral","sentiment_score":0.19992217421531677},{"text":"And this is sorry.","start":42.305,"end":43.505,"sentiment":"neutral","sentiment_score":0.05422852747142315},{"text":"Just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":43.505,"end":48.965,"sentiment":"neutral","sentiment_score":0.0465560000246534}],"sentiment":"neutral","sentiment_score":0.07275691167696526,"channel":0,"num_words":57,"start":34.68,"end":48.965},{"sentences":[{"text":"Yes.","start":49.655,"end":49.975,"sentiment":"neutral","sentiment_score":0.045751042664051056},{"text":"It's Lisa Marie Killrain.","start":49.975,"end":51.515,"sentiment":"neutral","sentiment_score":0.03458573715761304},{"text":"1974.","start":51.735,"end":54.055,"sentiment":"neutral","sentiment_score":0.02103380113840103},{"text":"Number 7 Potter Street in Huntingdale, Western Australia 6110.","start":54.055,"end":58.89,"sentiment":"neutral","sentiment_score":0.03590607063637839}],"sentiment":"neutral","sentiment_score":0.035218828544020656,"channel":1,"num_words":15,"start":49.655,"end":58.89},{"sentences":[{"text":"Beautiful.","start":59.44,"end":59.84,"sentiment":"positive","sentiment_score":0.3951053023338318},{"text":"Thank you so much for that.","start":59.84,"end":61.46,"sentiment":"positive","sentiment_score":0.5747544964154562},{"text":"Lisa, I had you booked in for a bit of a catch up.","start":61.68,"end":63.6,"sentiment":"neutral","sentiment_score":0.17387722776486322},{"text":"I know you completed your annual review with my colleague Samantha about a week or so ago, and she had sort of had a bit of a chat about your portfolio there.","start":63.6,"end":70.645,"sentiment":"neutral","sentiment_score":0.09971616440452635},{"text":"I've booked you in for a bit of a conversation in relation to one of the investments.","start":70.645,"end":74.085,"sentiment":"neutral","sentiment_score":0.05515097859589493}],"sentiment":"neutral","sentiment_score":0.148297393316592,"channel":0,"num_words":69,"start":59.44,"end":74.085},{"sentences":[{"text":"Do you remember kinda going through that with her at all?","start":74.085,"end":76.425,"sentiment":"neutral","sentiment_score":0.01905946789140051}],"sentiment":"neutral","sentiment_score":0.01905946789140051,"channel":0,"num_words":11,"start":74.085,"end":76.425},{"sentences":[{"text":"Yeah.","start":76.655,"end":76.895004,"sentiment":"neutral","sentiment_score":0.06752453744411469},{"text":"I do.","start":76.895004,"end":77.475006,"sentiment":"neutral","sentiment_score":0.0719519630074501}],"sentiment":"neutral","sentiment_score":0.0704761544863383,"channel":1,"num_words":3,"start":76.655,"end":77.475006},{"sentences":[{"text":"Yeah.","start":78.18,"end":78.659996,"sentiment":"neutral","sentiment_score":0.08680108934640884},{"text":"That's okay.","start":78.659996,"end":79.38,"sentiment":"neutral","sentiment_score":0.129872415214777},{"text":"So the main so the reason we wanted to do the catch up with you is just to kinda go through what's been happening.","start":79.38,"end":84.18,"sentiment":"neutral","sentiment_score":0.10586623599131902},{"text":"One of your underlying investments has sort of seen a bit of a a change, and we wanted to touch base to, like, maybe have a chat about updating the advice for you.","start":84.18,"end":92.119995,"sentiment":"neutral","sentiment_score":0.07677458723386128}],"sentiment":"neutral","sentiment_score":0.09034828270475069,"channel":0,"num_words":60,"start":78.18,"end":92.119995},{"sentences":[{"text":"Yep.","start":92.71001,"end":93.165,"sentiment":"neutral","sentiment_score":0.14396750926971436}],"sentiment":"neutral","sentiment_score":0.14396750926971436,"channel":1,"num_words":1,"start":92.71001,"end":93.165},{"sentences":[{"text":"In your portfolio and look when I have a look back at your portfolio over the course of the last year and when you have been onboard from 2022, you have seen some great returns there.","start":92.815,"end":102.035,"sentiment":"neutral","sentiment_score":0.28691642731428146},{"text":"From inception, your portfolio is up by 40.25%.","start":102.095,"end":105.935005,"sentiment":"neutral","sentiment_score":0.32398173585534096},{"text":"So when we look at that on an annual basis, it's about a 10.06% compounded return.","start":105.935005,"end":111.65,"sentiment":"neutral","sentiment_score":0.11841783439740539},{"text":"So you have done quite well.","start":111.71,"end":113.47,"sentiment":"positive","sentiment_score":0.46836057305336},{"text":"However, in the last couple of weeks that we have noted that, Ben, along your Australian equities portion of your portfolio has been underperforming slightly, and, essentially, that is because one of their underlying investments, Corporate Traveler, has got, unfortunately, been a bit dishonest.","start":113.47,"end":128.075,"sentiment":"negative","sentiment_score":-0.4422572558237748}],"sentiment":"neutral","sentiment_score":-0.01666931997645985,"channel":0,"num_words":110,"start":92.815,"end":128.075},{"sentences":[{"text":"The market wasn't reporting correctly.","start":128.135,"end":129.915,"sentiment":"negative","sentiment_score":-0.5414278268814087},{"text":"And that obviously had come out in their reports to the market there.","start":130.135,"end":134.07,"sentiment":"negative","sentiment_score":-0.37395405998596776},{"text":"It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well.","start":134.23001,"end":144.41,"sentiment":"neutral","sentiment_score":-0.33178416825830936},{"text":"We do want to start maybe moving you out of that and putting else in its place, but we just wanted to have a bit of a conversation to sorta get a feel for what you are after with regard to your investments there.","start":145.11,"end":154.35501,"sentiment":"neutral","sentiment_score":0.02244515810161829},{"text":"Does that all make sense so far?","start":154.35501,"end":155.875,"sentiment":"neutral","sentiment_score":0.0287770362836974}],"sentiment":"neutral","sentiment_score":-0.16828325829736077,"channel":0,"num_words":101,"start":128.135,"end":155.875},{"sentences":[{"text":"Or","start":155.875,"end":156.115,"sentiment":"neutral","sentiment_score":0.011729177087545397}],"sentiment":"neutral","sentiment_score":0.011729177087545397,"channel":0,"num_words":1,"start":155.875,"end":156.115},{"sentences":[{"text":"Yeah.","start":157.005,"end":157.24501,"sentiment":"neutral","sentiment_score":0.060861121863126755},{"text":"It does.","start":157.24501,"end":157.985,"sentiment":"neutral","sentiment_score":0.13006463646888733}],"sentiment":"neutral","sentiment_score":0.10699679826696713,"channel":1,"num_words":3,"start":157.005,"end":157.985},{"sentences":[{"text":"yeah.","start":158.27501,"end":158.77501,"sentiment":"neutral","sentiment_score":0.22203269600868225},{"text":"Perfect.","start":158.91501,"end":159.41501,"sentiment":"positive","sentiment_score":0.5224352478981018},{"text":"Essentially, when we are looking at maybe updating the investment strategy, I can see you expecting some changes to your circumstances over the next couple of months as well.","start":160.61,"end":169.27,"sentiment":"neutral","sentiment_score":0.21204005464397627},{"text":"I'm very sorry to hear that you might be made redundant.","start":169.73,"end":172.15001,"sentiment":"negative","sentiment_score":-0.4322232360189611},{"text":"Is there any kind of word on where that might be going at the moment?","start":172.53,"end":175.545,"sentiment":"neutral","sentiment_score":-0.12558797001838684}],"sentiment":"neutral","sentiment_score":0.004479901440310897,"channel":0,"num_words":57,"start":158.27501,"end":175.545},{"sentences":[{"text":"Have they sort of given you an update at all?","start":175.545,"end":177.965,"sentiment":"neutral","sentiment_score":-0.09439119622111321}],"sentiment":"neutral","sentiment_score":-0.09439119622111321,"channel":0,"num_words":10,"start":175.545,"end":177.965},{"sentences":[{"text":"Not yet.","start":178.78499,"end":179.42499,"sentiment":"neutral","sentiment_score":-0.13377123326063156},{"text":"It's still in the process.","start":179.42499,"end":181.045,"sentiment":"neutral","sentiment_score":-0.1246285930275917},{"text":"It's not a","start":181.185,"end":182.385,"sentiment":"neutral","sentiment_score":-0.1070999304453532}],"sentiment":"neutral","sentiment_score":-0.12119852229952813,"channel":1,"num_words":10,"start":178.78499,"end":182.385},{"sentences":[{"text":"Yeah.","start":181.945,"end":182.445,"sentiment":"neutral","sentiment_score":-0.18034210801124573}],"sentiment":"neutral","sentiment_score":-0.18034210801124573,"channel":0,"num_words":1,"start":181.945,"end":182.445},{"sentences":[{"text":"unhappy thing.","start":182.385,"end":183.185,"sentiment":"neutral","sentiment_score":-0.2452140748500824},{"text":"It's 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the where my current employer is going is not where I want to align my values as an employee.","start":187.98499,"end":196.25,"sentiment":"neutral","sentiment_score":-0.19189257423082987}],"sentiment":"neutral","sentiment_score":-0.19189257423082987,"channel":1,"num_words":21,"start":187.98499,"end":196.25},{"sentences":[{"text":"Yeah.","start":197.04,"end":197.54,"sentiment":"neutral","sentiment_score":-0.07522019743919373}],"sentiment":"neutral","sentiment_score":-0.07522019743919373,"channel":0,"num_words":1,"start":197.04,"end":197.54},{"sentences":[{"text":"So after thirty years, I've actually basically said bring it 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beautiful.","start":455.565,"end":456.705,"sentiment":"positive","sentiment_score":0.6022185285886129},{"text":"That's fantastic.","start":456.76498,"end":457.585,"sentiment":"positive","sentiment_score":0.754856675863266},{"text":"So do they sort of rely on you much financially at the moment?","start":457.72498,"end":461.10498,"sentiment":"neutral","sentiment_score":0.01193017942401079}],"sentiment":"neutral","sentiment_score":0.19285895944469506,"channel":0,"num_words":18,"start":455.565,"end":461.10498},{"sentences":[{"text":"Yes and no.","start":462.715,"end":463.85498,"sentiment":"neutral","sentiment_score":-0.035411737859249115},{"text":"Is that 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they","start":469.35498,"end":473.835,"sentiment":"neutral","sentiment_score":-0.07085733945396813}],"sentiment":"neutral","sentiment_score":-0.06217316150044402,"channel":1,"num_words":12,"start":468.875,"end":473.835},{"sentences":[{"text":"Mhmm.","start":473.815,"end":474.315,"sentiment":"neutral","sentiment_score":-0.04343573749065399}],"sentiment":"neutral","sentiment_score":-0.04343573749065399,"channel":0,"num_words":1,"start":473.815,"end":474.315},{"sentences":[{"text":"need assistance because they both bought vehicles.","start":473.835,"end":476.655,"sentiment":"neutral","sentiment_score":-0.04288257019860404}],"sentiment":"neutral","sentiment_score":-0.04288257019860404,"channel":1,"num_words":7,"start":473.835,"end":476.655},{"sentences":[{"text":"Yes.","start":477.415,"end":477.915,"sentiment":"neutral","sentiment_score":0.030240612104535103}],"sentiment":"neutral","sentiment_score":0.030240612104535103,"channel":0,"num_words":1,"start":477.415,"end":477.915},{"sentences":[{"text":"So I help out where I can, which is why I said that I I'm still looking at something to cover the day to day bills in 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little","start":487.13998,"end":492.495,"sentiment":"neutral","sentiment_score":0.038825780153274536}],"sentiment":"neutral","sentiment_score":0.03218348677221097,"channel":1,"num_words":19,"start":485.46,"end":492.495},{"sentences":[{"text":"Yep.","start":492.46,"end":492.96,"sentiment":"neutral","sentiment_score":0.05078309774398804}],"sentiment":"neutral","sentiment_score":0.05078309774398804,"channel":0,"num_words":1,"start":492.46,"end":492.96},{"sentences":[{"text":"bit more as a buffer","start":492.495,"end":493.79498,"sentiment":"neutral","sentiment_score":0.062492890655994414}],"sentiment":"neutral","sentiment_score":0.062492890655994414,"channel":1,"num_words":5,"start":492.495,"end":493.79498},{"sentences":[{"text":"Yep.","start":494.22,"end":494.72,"sentiment":"neutral","sentiment_score":0.061709754168987274}],"sentiment":"neutral","sentiment_score":0.061709754168987274,"channel":0,"num_words":1,"start":494.22,"end":494.72},{"sentences":[{"text":"for my next employment opportunity.","start":495.055,"end":498.35498,"sentiment":"neutral","sentiment_score":0.06549334079027176},{"text":"So that's","start":498.815,"end":499.555,"sentiment":"neutral","sentiment_score":0.07217587903141975}],"sentiment":"neutral","sentiment_score":0.06740263743059975,"channel":1,"num_words":7,"start":495.055,"end":499.555},{"sentences":[{"text":"Yeah.","start":499.355,"end":499.855,"sentiment":"neutral","sentiment_score":0.09853976964950562}],"sentiment":"neutral","sentiment_score":0.09853976964950562,"channel":0,"num_words":1,"start":499.355,"end":499.855},{"sentences":[{"text":"that's the key figure I've got in my mind.","start":500.175,"end":502.755,"sentiment":"neutral","sentiment_score":0.11205786383814281},{"text":"Anything","start":502.895,"end":503.375,"sentiment":"neutral","sentiment_score":0.13200271129608154}],"sentiment":"neutral","sentiment_score":0.11405234858393669,"channel":1,"num_words":10,"start":500.175,"end":503.375},{"sentences":[{"text":"Yeah.","start":503.11502,"end":503.61502,"sentiment":"neutral","sentiment_score":0.118294358253479}],"sentiment":"neutral","sentiment_score":0.118294358253479,"channel":0,"num_words":1,"start":503.11502,"end":503.61502},{"sentences":[{"text":"about that will be beneficial.","start":503.375,"end":505.315,"sentiment":"neutral","sentiment_score":0.20767079293727875}],"sentiment":"neutral","sentiment_score":0.20767079293727875,"channel":1,"num_words":5,"start":503.375,"end":505.315},{"sentences":[{"text":"Absolutely.","start":506.315,"end":506.815,"sentiment":"neutral","sentiment_score":0.1915924996137619},{"text":"No.","start":507.11502,"end":507.435,"sentiment":"neutral","sentiment_score":0.02332169190049171},{"text":"Perfect.","start":507.435,"end":507.935,"sentiment":"neutral","sentiment_score":0.2636891007423401},{"text":"Well, we have certainly two avenues that we can definitely take.","start":508.315,"end":510.875,"sentiment":"neutral","sentiment_score":0.25535840304060414},{"text":"And sort of moving forward, there are some big changes to your circumstances that we may need to take into effect when we are updating","start":510.875,"end":516.87,"sentiment":"neutral","sentiment_score":0.008213549554347992}],"sentiment":"neutral","sentiment_score":0.0895611401169728,"channel":0,"num_words":39,"start":506.315,"end":516.87},{"sentences":[{"text":"Yep.","start":516.63,"end":517.13,"sentiment":"neutral","sentiment_score":0.006946195848286152}],"sentiment":"neutral","sentiment_score":0.006946195848286152,"channel":1,"num_words":1,"start":516.63,"end":517.13},{"sentences":[{"text":"the advice.","start":516.87,"end":517.61,"sentiment":"neutral","sentiment_score":-0.00012629572302103043},{"text":"Did you want us to look Benelung is showing it is down at the moment, but it isn't holding a huge amount of your portfolio back.","start":517.75,"end":523.83,"sentiment":"neutral","sentiment_score":-0.11536572701655902},{"text":"As I mentioned, you had a great return over the past couple of years when we look at the compounding effect there.","start":523.83,"end":530.33496,"sentiment":"positive","sentiment_score":0.5020149790427901},{"text":"And if I just go back to the last twelve months sorry.","start":530.33496,"end":532.975,"sentiment":"neutral","sentiment_score":0.13322689291089773},{"text":"Just running my computer.","start":532.975,"end":534.33496,"sentiment":"neutral","sentiment_score":0.14242972619831562}],"sentiment":"neutral","sentiment_score":0.15474257067861882,"channel":0,"num_words":66,"start":516.87,"end":534.33496},{"sentences":[{"text":"So the last twelve months shows even with Benelon having a bit of a callback, you still received about a 6.09% return.","start":534.33496,"end":540.57495,"sentiment":"positive","sentiment_score":0.43098033422773535},{"text":"So you have done really well.","start":540.57495,"end":542.51495,"sentiment":"positive","sentiment_score":0.7916695972283682},{"text":"And because your balance is certainly higher, as your balance does increase and keeps compounding, smaller changes are gonna make a bit more of an effect.","start":542.63,"end":550.81,"sentiment":"positive","sentiment_score":0.6095289931847498},{"text":"Would you like us to provide the advice around the the switch in investments now, or did you maybe wanna do a bit of a catch up in another couple of weeks and see where things are going with your employer, and maybe factor in any other changes into the advice?","start":551.02997,"end":564.735,"sentiment":"neutral","sentiment_score":0.16993148259672464},{"text":"What would you like us to do moving forward?","start":564.735,"end":566.415,"sentiment":"neutral","sentiment_score":0.18356132672892678}],"sentiment":"positive","sentiment_score":0.35436751151032614,"channel":0,"num_words":114,"start":534.33496,"end":566.415},{"sentences":[{"text":"How do you how comfortable do you feel?","start":566.415,"end":568.27496,"sentiment":"neutral","sentiment_score":0.19277607649564743}],"sentiment":"neutral","sentiment_score":0.19277607649564743,"channel":0,"num_words":8,"start":566.415,"end":568.27496},{"sentences":[{"text":"Yeah.","start":568.56,"end":569.04,"sentiment":"neutral","sentiment_score":0.1211109533905983},{"text":"I think I wanna explore maybe changing, especially if it's not performing as well as it should be.","start":569.04,"end":578.565,"sentiment":"neutral","sentiment_score":0.032796374418669276}],"sentiment":"neutral","sentiment_score":0.03744451015403396,"channel":1,"num_words":19,"start":568.56,"end":578.565},{"sentences":[{"text":"Yes.","start":578.49,"end":578.99,"sentiment":"neutral","sentiment_score":0.12932772934436798},{"text":"Yep.","start":579.05,"end":579.55,"sentiment":"neutral","sentiment_score":0.11698254197835922}],"sentiment":"neutral","sentiment_score":0.1231551356613636,"channel":0,"num_words":2,"start":578.49,"end":579.55},{"sentences":[{"text":"But also probably review it given when my circumstances change as well to make sure that I'm still aligned to what where I really wanna go because my super is all about really if anything happens to me, I'm I'm trying to set my kids up","start":579.745,"end":598.57996,"sentiment":"neutral","sentiment_score":0.1263209584614505}],"sentiment":"neutral","sentiment_score":0.1263209584614505,"channel":1,"num_words":46,"start":579.745,"end":598.57996},{"sentences":[{"text":"Yes.","start":599.24,"end":599.74,"sentiment":"neutral","sentiment_score":0.07110071182250977}],"sentiment":"neutral","sentiment_score":0.07110071182250977,"channel":0,"num_words":1,"start":599.24,"end":599.74},{"sentences":[{"text":"as well.","start":600.87994,"end":601.54,"sentiment":"neutral","sentiment_score":0.04202518239617348},{"text":"So hence why I've taken out the life insurance policies and stuff 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you're comfortable with us doing the advice now, sort of looking at things now even with the the upcoming changes, or did you wanna maybe hold off a few weeks and and do everything together?","start":635.935,"end":645.03,"sentiment":"positive","sentiment_score":0.3441467289295461}],"sentiment":"neutral","sentiment_score":0.31437111822888253,"channel":0,"num_words":40,"start":633.77496,"end":645.03},{"sentences":[{"text":"It just depends on how much of a financial impact that's gonna make.","start":646.61,"end":650.93,"sentiment":"neutral","sentiment_score":0.047159227900780164},{"text":"I know it 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73¢ coming out of super, so it's not a massive one.","start":702.02997,"end":711.71497,"sentiment":"neutral","sentiment_score":0.0778813986954364},{"text":"When we look at the earnings that has been generated by your portfolio over the last twelve months there, it shows the earnings for the growth plus the income is about 30,681.","start":712.015,"end":723.535,"sentiment":"neutral","sentiment_score":0.11825247691012919},{"text":"So you do see as your super gets as your balance increases that the compounding effect increases there.","start":723.535,"end":730.26,"sentiment":"neutral","sentiment_score":0.21065986322032082}],"sentiment":"neutral","sentiment_score":0.10653865771475902,"channel":0,"num_words":122,"start":689.59503,"end":730.26},{"sentences":[{"text":"So it is a small portion, but I do just wanna see what the effect looks like if there's no contributions going in, and that kind of shows","start":730.26,"end":737.06,"sentiment":"neutral","sentiment_score":0.0750752506511552}],"sentiment":"neutral","sentiment_score":0.0750752506511552,"channel":0,"num_words":28,"start":730.26,"end":737.06},{"sentences":[{"text":"Yeah.","start":736.89996,"end":737.39996,"sentiment":"neutral","sentiment_score":0.217589408159256}],"sentiment":"neutral","sentiment_score":0.217589408159256,"channel":1,"num_words":1,"start":736.89996,"end":737.39996},{"sentences":[{"text":"you moving forward.","start":737.06,"end":738.305,"sentiment":"positive","sentiment_score":0.35598711172739667},{"text":"If you don't have a job in a few months' time, just making sure it is still working for you is important.","start":738.305,"end":744.165,"sentiment":"neutral","sentiment_score":0.17138130505653945},{"text":"Is that okay?","start":744.225,"end":745.045,"sentiment":"neutral","sentiment_score":0.17181592682997385}],"sentiment":"neutral","sentiment_score":0.19120706524699926,"channel":0,"num_words":28,"start":737.06,"end":745.045},{"sentences":[{"text":"That is perfectly fine.","start":745.52496,"end":747.385,"sentiment":"positive","sentiment_score":0.4973631575703621}],"sentiment":"positive","sentiment_score":0.4973631575703621,"channel":1,"num_words":4,"start":745.52496,"end":747.385},{"sentences":[{"text":"Perfect.","start":747.745,"end":748.245,"sentiment":"positive","sentiment_score":0.5878045558929443},{"text":"And when we do look at the different ways of investing, did you look at, your super very often?","start":748.305,"end":751.745,"sentiment":"neutral","sentiment_score":0.09361636952350014},{"text":"Do you","start":751.745,"end":752.495,"sentiment":"neutral","sentiment_score":0.02387858834117651}],"sentiment":"neutral","sentiment_score":0.10973967061462728,"channel":0,"num_words":22,"start":747.745,"end":752.495},{"sentences":[{"text":"I I do switch in every now and again and just keep an eye","start":759.04,"end":762.16,"sentiment":"neutral","sentiment_score":0.048162123055330346}],"sentiment":"neutral","sentiment_score":0.048162123055330346,"channel":1,"num_words":14,"start":759.04,"end":762.16},{"sentences":[{"text":"Mhmm.","start":762.12,"end":762.62,"sentiment":"neutral","sentiment_score":0.03672957792878151}],"sentiment":"neutral","sentiment_score":0.03672957792878151,"channel":0,"num_words":1,"start":762.12,"end":762.62},{"sentences":[{"text":"on what's going on.","start":762.16,"end":763.45996,"sentiment":"neutral","sentiment_score":0.049665892496705055},{"text":"So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part.","start":763.83997,"end":774.145,"sentiment":"neutral","sentiment_score":0.11585134430788457}],"sentiment":"neutral","sentiment_score":0.10849740521775351,"channel":1,"num_words":36,"start":762.16,"end":774.145},{"sentences":[{"text":"Yep.","start":773.815,"end":774.315,"sentiment":"neutral","sentiment_score":0.09954231232404707}],"sentiment":"neutral","sentiment_score":0.09954231232404707,"channel":0,"num_words":1,"start":773.815,"end":774.315},{"sentences":[{"text":"So I I","start":774.145,"end":774.78503,"sentiment":"neutral","sentiment_score":0.09544886648654938}],"sentiment":"neutral","sentiment_score":0.09544886648654938,"channel":1,"num_words":3,"start":774.145,"end":774.78503},{"sentences":[{"text":"Yep.","start":774.695,"end":775.195,"sentiment":"neutral","sentiment_score":0.10065778344869614}],"sentiment":"neutral","sentiment_score":0.10065778344869614,"channel":0,"num_words":1,"start":774.695,"end":775.195},{"sentences":[{"text":"do see them quite often.","start":774.78503,"end":776.54504,"sentiment":"neutral","sentiment_score":0.10312667489051819},{"text":"I go, oh, okay.","start":776.54504,"end":777.765,"sentiment":"neutral","sentiment_score":0.09729404747486115},{"text":"Yeah.","start":777.905,"end":778.145,"sentiment":"neutral","sentiment_score":0.04827001690864563},{"text":"No.","start":778.145,"end":778.305,"sentiment":"neutral","sentiment_score":0.02618151344358921},{"text":"No.","start":778.305,"end":778.805,"sentiment":"neutral","sentiment_score":0.014990607276558876}],"sentiment":"neutral","sentiment_score":0.08285430849840243,"channel":1,"num_words":12,"start":774.78503,"end":778.805},{"sentences":[{"text":"I can't think.","start":779.265,"end":780.16504,"sentiment":"neutral","sentiment_score":0.012128990143537521},{"text":"So I do keep an eye on it.","start":781.025,"end":782.965,"sentiment":"neutral","sentiment_score":0.08026822889223695}],"sentiment":"neutral","sentiment_score":0.06168480014259165,"channel":1,"num_words":11,"start":779.265,"end":782.965},{"sentences":[{"text":"Yep.","start":783.27,"end":783.77,"sentiment":"neutral","sentiment_score":0.08773650228977203}],"sentiment":"neutral","sentiment_score":0.08773650228977203,"channel":0,"num_words":1,"start":783.27,"end":783.77},{"sentences":[{"text":"And I think now that my children are working, they're actually a little bit more into especially my son's asking questions around super because I'm looking at getting him","start":784.26996,"end":795.79,"sentiment":"neutral","sentiment_score":0.11480692491449158}],"sentiment":"neutral","sentiment_score":0.11480692491449158,"channel":1,"num_words":29,"start":784.26996,"end":795.79},{"sentences":[{"text":"Yeah.","start":795.36505,"end":795.86505,"sentiment":"neutral","sentiment_score":0.11199642717838287}],"sentiment":"neutral","sentiment_score":0.11199642717838287,"channel":0,"num_words":1,"start":795.36505,"end":795.86505},{"sentences":[{"text":"into a super fund that will work for 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actually","start":805.865,"end":806.505,"sentiment":"neutral","sentiment_score":0.050167305395007133}],"sentiment":"positive","sentiment_score":0.41543738759661974,"channel":1,"num_words":19,"start":799.545,"end":806.505},{"sentences":[{"text":"Yeah.","start":806.42,"end":806.92,"sentiment":"neutral","sentiment_score":0.04086168110370636}],"sentiment":"neutral","sentiment_score":0.04086168110370636,"channel":0,"num_words":1,"start":806.42,"end":806.92},{"sentences":[{"text":"thought I had a little mad about in there, and I went, no, dude.","start":806.505,"end":809.625,"sentiment":"neutral","sentiment_score":-0.11071379269872393},{"text":"That's not how it works.","start":809.625,"end":811.165,"sentiment":"neutral","sentiment_score":-0.02790431082248688}],"sentiment":"neutral","sentiment_score":-0.0889218237839247,"channel":1,"num_words":19,"start":806.505,"end":811.165},{"sentences":[{"text":"Yeah.","start":811.69995,"end":812.19995,"sentiment":"neutral","sentiment_score":0.03640459477901459}],"sentiment":"neutral","sentiment_score":0.03640459477901459,"channel":0,"num_words":1,"start":811.69995,"end":812.19995},{"sentences":[{"text":"So he was I think he was blown away with what is actually in my super for him.","start":813.48,"end":820.7,"sentiment":"neutral","sentiment_score":0.23178199099169838},{"text":"And I and I did say that you're not gonna get all that.","start":821.8,"end":824.76,"sentiment":"neutral","sentiment_score":-0.00948013594517341},{"text":"You get a percentage","start":824.76,"end":825.74,"sentiment":"neutral","sentiment_score":0.00411036447621882}],"sentiment":"neutral","sentiment_score":0.11615072938480547,"channel":1,"num_words":35,"start":813.48,"end":825.74},{"sentences":[{"text":"Correct.","start":825.635,"end":826.135,"sentiment":"neutral","sentiment_score":0.03759543225169182}],"sentiment":"neutral","sentiment_score":0.03759543225169182,"channel":0,"num_words":1,"start":825.635,"end":826.135},{"sentences":[{"text":"of that.","start":825.88,"end":826.515,"sentiment":"neutral","sentiment_score":0.02618807926774025},{"text":"Yeah.","start":826.675,"end":827.175,"sentiment":"neutral","sentiment_score":0.05514572188258171}],"sentiment":"neutral","sentiment_score":0.03584062680602074,"channel":1,"num_words":3,"start":825.88,"end":827.175},{"sentences":[{"text":"Yeah.","start":827.82,"end":828.14,"sentiment":"neutral","sentiment_score":0.06914583593606949},{"text":"Yeah.","start":828.14,"end":828.46,"sentiment":"neutral","sentiment_score":0.11199331283569336},{"text":"Definitely.","start":828.46,"end":828.86,"sentiment":"neutral","sentiment_score":0.21961849927902224},{"text":"You've still got to enjoy your retirement years too.","start":828.86,"end":831.6,"sentiment":"positive","sentiment_score":0.3605482147799598}],"sentiment":"neutral","sentiment_score":0.3038076317558686,"channel":0,"num_words":12,"start":827.82,"end":831.6},{"sentences":[{"text":"If I'm still around that long, I'm planning on being, but, yeah,","start":833.955,"end":837.555,"sentiment":"neutral","sentiment_score":0.07726064370945096}],"sentiment":"neutral","sentiment_score":0.07726064370945096,"channel":1,"num_words":12,"start":833.955,"end":837.555},{"sentences":[{"text":"Oh, I","start":837.26,"end":837.66003,"sentiment":"neutral","sentiment_score":0.045532915741205215}],"sentiment":"neutral","sentiment_score":0.045532915741205215,"channel":0,"num_words":2,"start":837.26,"end":837.66003},{"sentences":[{"text":"who","start":837.555,"end":837.79504,"sentiment":"neutral","sentiment_score":0.029530439525842667}],"sentiment":"neutral","sentiment_score":0.029530439525842667,"channel":1,"num_words":1,"start":837.555,"end":837.79504},{"sentences":[{"text":"hope","start":837.66003,"end":837.98,"sentiment":"neutral","sentiment_score":0.034602973610162735}],"sentiment":"neutral","sentiment_score":0.034602973610162735,"channel":0,"num_words":1,"start":837.66003,"end":837.98},{"sentences":[{"text":"knows?","start":837.79504,"end":838.29504,"sentiment":"neutral","sentiment_score":0.043411582708358765}],"sentiment":"neutral","sentiment_score":0.043411582708358765,"channel":1,"num_words":1,"start":837.79504,"end":838.29504},{"sentences":[{"text":"you are, Lisa.","start":837.98,"end":838.695,"sentiment":"neutral","sentiment_score":0.060396961867809296},{"text":"A long time to go.","start":838.935,"end":839.815,"sentiment":"neutral","sentiment_score":0.06093818098306656},{"text":"Yep.","start":839.815,"end":840.315,"sentiment":"neutral","sentiment_score":0.15668252110481262},{"text":"Perfect.","start":840.375,"end":840.875,"sentiment":"positive","sentiment_score":0.347262442111969},{"text":"No.","start":840.935,"end":841.415,"sentiment":"neutral","sentiment_score":0.26414114236831665}],"sentiment":"neutral","sentiment_score":0.11399708146398718,"channel":0,"num_words":11,"start":837.98,"end":841.415},{"sentences":[{"text":"That's absolutely fine.","start":841.415,"end":842.375,"sentiment":"positive","sentiment_score":0.3690696159998576},{"text":"I'm glad your son was really impressed with where things are going there.","start":842.375,"end":845.09503,"sentiment":"positive","sentiment_score":0.695985862841973},{"text":"So one of the things I wanted to touch base on is there are different ways of investing.","start":845.09503,"end":849.195,"sentiment":"neutral","sentiment_score":0.21070204426844916},{"text":"So having been along in your portfolio when you came on board originally was about having a little bit of an active manager in there.","start":849.255,"end":855.68,"sentiment":"neutral","sentiment_score":0.12469126269221306},{"text":"The role of an active manager, you can pay a little bit more for these sorts of investments, but the role of an active manager is that they're supposed to be buying and selling.","start":855.9,"end":863.52,"sentiment":"neutral","sentiment_score":0.10572119517361417}],"sentiment":"neutral","sentiment_score":0.22214477489231735,"channel":0,"num_words":93,"start":841.415,"end":863.52},{"sentences":[{"text":"They're supposed to be investing within their strategy so that they're outperforming against the market because you do tend to pay a bit more for these sorts of managers in your portfolio.","start":863.66003,"end":872.435,"sentiment":"neutral","sentiment_score":0.14896769961342216},{"text":"Now because Bannalong, unfortunately, have come back and had a bit of a dip there with their issues over the last few months, and even sort of when you look back, well, they have been a great investment over the couple of years, but they have had those times where they've had a bit of a pullback and have taken a little bit longer to kind of come back and recover from those instances.","start":872.895,"end":890.95996,"sentiment":"neutral","sentiment_score":-0.17716840397868608},{"text":"So it is definitely time to maybe look at removing them and putting something else in their place.","start":891.01996,"end":895.27997,"sentiment":"neutral","sentiment_score":-0.23648100015189913},{"text":"But because","start":895.505,"end":895.90497,"sentiment":"neutral","sentiment_score":-0.021758167073130604}],"sentiment":"neutral","sentiment_score":-0.10034658606090242,"channel":0,"num_words":126,"start":863.66003,"end":895.90497},{"sentences":[{"text":"Yep.","start":895.89496,"end":896.39496,"sentiment":"neutral","sentiment_score":0.0062250373885035515}],"sentiment":"neutral","sentiment_score":0.0062250373885035515,"channel":1,"num_words":1,"start":895.89496,"end":896.39496},{"sentences":[{"text":"you are getting closer and closer to the years where you're able to access Super, did you wanna keep more of an active manager in your portfolio, or would you like to look at something a little bit more low cost that might be more passively managed?","start":895.90497,"end":908.64496,"sentiment":"neutral","sentiment_score":0.052718247742728985},{"text":"Passive investments tend to track a certain index or the market as a whole, and they tend to be a bit more lower cost and can perform better than active managers in the long run as well.","start":909.41,"end":919.88995,"sentiment":"neutral","sentiment_score":0.2215243104744602},{"text":"What would you like to sort of see with your investments?","start":919.88995,"end":922.31,"sentiment":"neutral","sentiment_score":0.03437023017216812}],"sentiment":"neutral","sentiment_score":0.11633925961428566,"channel":0,"num_words":95,"start":895.90497,"end":922.31},{"sentences":[{"text":"Yeah.","start":923.005,"end":923.485,"sentiment":"neutral","sentiment_score":0.009330090135335922},{"text":"Probably look at probably switching to the lower 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switch.","start":936.34,"end":941.8,"sentiment":"neutral","sentiment_score":-0.016013395289580026}],"sentiment":"neutral","sentiment_score":-0.016013395289580026,"channel":1,"num_words":15,"start":936.34,"end":941.8},{"sentences":[{"text":"Yeah.","start":942.15,"end":942.63,"sentiment":"neutral","sentiment_score":0.2810061573982239},{"text":"Perfect.","start":942.63,"end":943.13,"sentiment":"positive","sentiment_score":0.45877742767333984},{"text":"And the one thing you mentioned to me, Jasmine, was really valuable was the value side of it.","start":943.19,"end":947.865,"sentiment":"positive","sentiment_score":0.36993914511468673},{"text":"The other thing we sort of have been looking at is over the course of the last twelve months, our investment committee now.","start":948.105,"end":953.545,"sentiment":"neutral","sentiment_score":0.07076701035966045},{"text":"Directors here, along with utilizing BlackRock, which is one of Australia's largest investment firms, they have actually built 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around the investment options.","start":979.57495,"end":990.375,"sentiment":"neutral","sentiment_score":0.30169843489097226},{"text":"So our investment committee with BlackRock's investment team meet on a regular basis.","start":990.375,"end":994.77496,"sentiment":"neutral","sentiment_score":0.11791577476721543}],"sentiment":"neutral","sentiment_score":0.189996166327565,"channel":0,"num_words":97,"start":961.945,"end":994.77496},{"sentences":[{"text":"At the moment, it is kinda quarterly, and they review the investments within the portfolio there.","start":994.77496,"end":1000.37,"sentiment":"neutral","sentiment_score":0.09191415458917618},{"text":"If, say, something happened like what has happened with black sorry.","start":1000.43,"end":1003.87,"sentiment":"neutral","sentiment_score":-0.06600926308469339},{"text":"With Van Alon where the investments underperformed slightly, they feel like it should be moved 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visibility on the investments in your super?","start":1052.25,"end":1064.49,"sentiment":"neutral","sentiment_score":0.10209127612735915}],"sentiment":"neutral","sentiment_score":-0.039430651399677365,"channel":0,"num_words":132,"start":1026.97,"end":1064.49},{"sentences":[{"text":"What sort of picks your fancy more?","start":1064.49,"end":1066.09,"sentiment":"neutral","sentiment_score":-0.027042485773563385},{"text":"What do you wanna see?","start":1066.09,"end":1067.39,"sentiment":"neutral","sentiment_score":-0.02802259512245655}],"sentiment":"neutral","sentiment_score":-0.027450864668935537,"channel":0,"num_words":12,"start":1064.49,"end":1067.39},{"sentences":[{"text":"Probably I'm probably comfortable with not having as much 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started.","start":1318.3099,"end":1330.8099,"sentiment":"neutral","sentiment_score":0.03361481179793676}],"sentiment":"neutral","sentiment_score":0.03361481179793676,"channel":1,"num_words":36,"start":1318.3099,"end":1330.8099},{"sentences":[{"text":"Yep.","start":1331.2949,"end":1331.7949,"sentiment":"neutral","sentiment_score":0.08918516337871552}],"sentiment":"neutral","sentiment_score":0.08918516337871552,"channel":0,"num_words":1,"start":1331.2949,"end":1331.7949},{"sentences":[{"text":"I get paid out for three weeks of every year of continual service plus my a full month salary type 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contract that moves me off","start":1356.67,"end":1367.905,"sentiment":"neutral","sentiment_score":-0.1591379096110662}],"sentiment":"neutral","sentiment_score":-0.12819483632310516,"channel":1,"num_words":42,"start":1352.27,"end":1367.905},{"sentences":[{"text":"Yeah.","start":1367.9,"end":1368.4,"sentiment":"neutral","sentiment_score":-0.1221432089805603}],"sentiment":"neutral","sentiment_score":-0.1221432089805603,"channel":0,"num_words":1,"start":1367.9,"end":1368.4},{"sentences":[{"text":"those entitlements.","start":1367.905,"end":1368.725,"sentiment":"neutral","sentiment_score":-0.1808156669139862}],"sentiment":"neutral","sentiment_score":-0.1808156669139862,"channel":1,"num_words":2,"start":1367.905,"end":1368.725},{"sentences":[{"text":"Yeah.","start":1369.42,"end":1369.92,"sentiment":"neutral","sentiment_score":-0.09602390229701996}],"sentiment":"neutral","sentiment_score":-0.09602390229701996,"channel":0,"num_words":1,"start":1369.42,"end":1369.92},{"sentences":[{"text":"So at the moment, my Bankwest contract that I signed thirty years ago is quite tight.","start":1371.105,"end":1376.59,"sentiment":"neutral","sentiment_score":-0.2274569384753704},{"text":"And","start":1376.97,"end":1377.37,"sentiment":"neutral","sentiment_score":-0.1294894963502884}],"sentiment":"neutral","sentiment_score":-0.22169414776213028,"channel":1,"num_words":17,"start":1371.105,"end":1377.37},{"sentences":[{"text":"Yeah.","start":1377.1,"end":1377.6,"sentiment":"neutral","sentiment_score":-0.1144588142633438}],"sentiment":"neutral","sentiment_score":-0.1144588142633438,"channel":0,"num_words":1,"start":1377.1,"end":1377.6},{"sentences":[{"text":"at the moment, the union is all over what CBA is trying to do, and he's","start":1377.37,"end":1382.49,"sentiment":"neutral","sentiment_score":-0.21238506119698286}],"sentiment":"neutral","sentiment_score":-0.21238506119698286,"channel":1,"num_words":16,"start":1377.37,"end":1382.49},{"sentences":[{"text":"Yep.","start":1382.345,"end":1382.845,"sentiment":"neutral","sentiment_score":-0.1844165325164795}],"sentiment":"neutral","sentiment_score":-0.1844165325164795,"channel":0,"num_words":1,"start":1382.345,"end":1382.845},{"sentences":[{"text":"squashing them at every opportunity.","start":1382.49,"end":1385.39,"sentiment":"neutral","sentiment_score":-0.2467324584722519}],"sentiment":"neutral","sentiment_score":-0.2467324584722519,"channel":1,"num_words":5,"start":1382.49,"end":1385.39},{"sentences":[{"text":"Wow.","start":1386.105,"end":1386.605,"sentiment":"neutral","sentiment_score":0.029390819370746613},{"text":"I mean, that contract you're on looks pretty 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us informed as what's happening.","start":1416.2949,"end":1418.51,"sentiment":"neutral","sentiment_score":0.26233564503490925},{"text":"It does take us a couple of weeks to go back and have a look at the research and really put the plan together.","start":1418.51,"end":1423.87,"sentiment":"neutral","sentiment_score":0.17105481401085854},{"text":"There's a lot to sort of consider when we are doing the advice document.","start":1423.87,"end":1426.9299,"sentiment":"neutral","sentiment_score":0.030349974653550556}],"sentiment":"neutral","sentiment_score":0.14508677537863454,"channel":0,"num_words":48,"start":1414.775,"end":1426.9299},{"sentences":[{"text":"So if anything happens in the next couple of weeks, maybe","start":1426.99,"end":1430.35,"sentiment":"neutral","sentiment_score":0.02676683799787001}],"sentiment":"neutral","sentiment_score":0.02676683799787001,"channel":0,"num_words":11,"start":1426.99,"end":1430.35},{"sentences":[{"text":"I 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Dana?","start":1444.7101,"end":1447.755,"sentiment":"neutral","sentiment_score":0.10384412792821725}],"sentiment":"neutral","sentiment_score":0.10384412792821725,"channel":1,"num_words":12,"start":1444.7101,"end":1447.755},{"sentences":[{"text":"Absolutely.","start":1448.2999,"end":1448.7999,"sentiment":"neutral","sentiment_score":0.2773536145687103},{"text":"Most definitely.","start":1449.1,"end":1449.9199,"sentiment":"neutral","sentiment_score":0.30146051943302155},{"text":"If anything happens, you just call the team.","start":1449.98,"end":1451.9,"sentiment":"neutral","sentiment_score":0.2523008305579424},{"text":"They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need.","start":1451.9,"end":1459.02,"sentiment":"neutral","sentiment_score":0.25037713569623454},{"text":"Okay?","start":1459.02,"end":1459.52,"sentiment":"neutral","sentiment_score":0.1528012454509735}],"sentiment":"neutral","sentiment_score":0.25158115915763074,"channel":0,"num_words":39,"start":1448.2999,"end":1459.52},{"sentences":[{"text":"Okay.","start":1459.435,"end":1459.935,"sentiment":"neutral","sentiment_score":0.18689656257629397},{"text":"No problem.","start":1459.995,"end":1460.8151,"sentiment":"positive","sentiment_score":0.37224559485912323}],"sentiment":"neutral","sentiment_score":0.3104625840981801,"channel":1,"num_words":3,"start":1459.435,"end":1460.8151},{"sentences":[{"text":"Beautiful.","start":1460.745,"end":1461.245,"sentiment":"positive","sentiment_score":0.6502572298049927}],"sentiment":"positive","sentiment_score":0.6502572298049927,"channel":0,"num_words":1,"start":1460.745,"end":1461.245},{"sentences":[{"text":"Thank 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level of exposure?","start":1503.8301,"end":1507.21,"sentiment":"neutral","sentiment_score":0.13023115280601713},{"text":"Did you wanna look at altering that at the moment?","start":1507.27,"end":1509.53,"sentiment":"neutral","sentiment_score":0.00927046574652195},{"text":"Or","start":1509.67,"end":1510.17,"sentiment":"neutral","sentiment_score":0.030675172805786133}],"sentiment":"neutral","sentiment_score":0.18085581641279014,"channel":0,"num_words":51,"start":1494.855,"end":1510.17},{"sentences":[{"text":"I think at this point in time, I'm I'm I'm pretty 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but at the moment, I'm I'm more comfortable around the growth portfolio.","start":1532.255,"end":1537.475,"sentiment":"neutral","sentiment_score":-0.0093653487184873},{"text":"I have been","start":1537.695,"end":1538.415,"sentiment":"neutral","sentiment_score":0.0217658927043279}],"sentiment":"neutral","sentiment_score":-0.0035282409517094493,"channel":1,"num_words":16,"start":1532.255,"end":1538.415},{"sentences":[{"text":"Yeah.","start":1538.3401,"end":1538.8401,"sentiment":"neutral","sentiment_score":0.016471048817038536}],"sentiment":"neutral","sentiment_score":0.016471048817038536,"channel":0,"num_words":1,"start":1538.3401,"end":1538.8401},{"sentences":[{"text":"in growth 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on in downtime.","start":1553.1549,"end":1563.67,"sentiment":"neutral","sentiment_score":0.036279018010411945}],"sentiment":"neutral","sentiment_score":0.08004383496459454,"channel":0,"num_words":62,"start":1546.195,"end":1563.67},{"sentences":[{"text":"Yes.","start":1564.645,"end":1565.145,"sentiment":"neutral","sentiment_score":0.12827026844024658}],"sentiment":"neutral","sentiment_score":0.12827026844024658,"channel":1,"num_words":1,"start":1564.645,"end":1565.145},{"sentences":[{"text":"Defensive investments are good for income producing, but we also do have in your portfolio there a bit of physical gold, which is an alternative investment and tends to work both ways.","start":1564.69,"end":1573.545,"sentiment":"neutral","sentiment_score":0.20877567632123828},{"text":"So 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as you fully retire, is the age you can also access your super.","start":1674.785,"end":1683.265,"sentiment":"neutral","sentiment_score":0.020113043886210238},{"text":"So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well.","start":1683.265,"end":1690.9,"sentiment":"neutral","sentiment_score":0.05621152660912938},{"text":"Okay?","start":1690.9,"end":1691.4,"sentiment":"neutral","sentiment_score":0.06439167261123657}],"sentiment":"neutral","sentiment_score":0.038308359283421724,"channel":0,"num_words":56,"start":1674.785,"end":1691.4},{"sentences":[{"text":"Okay.","start":1691.51,"end":1692.01,"sentiment":"neutral","sentiment_score":0.11264722049236298}],"sentiment":"neutral","sentiment_score":0.11264722049236298,"channel":1,"num_words":1,"start":1691.51,"end":1692.01},{"sentences":[{"text":"Perfect.","start":1692.5,"end":1693.0,"sentiment":"neutral","sentiment_score":0.3287475109100342},{"text":"The next one here is asking about are you comfortable taking on a higher level of risk in order to get those greater potential returns, or do you consider yourself more moderate, medium, or do you think you're not wanting to take on much risk at all to get the best returns you possibly can?","start":1693.8601,"end":1708.485,"sentiment":"neutral","sentiment_score":-0.16676753237843514},{"text":"How would you sort of rate yourself there?","start":1708.485,"end":1711.065,"sentiment":"neutral","sentiment_score":-0.10502399737015367}],"sentiment":"neutral","sentiment_score":-0.15130716795101762,"channel":0,"num_words":64,"start":1692.5,"end":1711.065},{"sentences":[{"text":"Sorry.","start":1711.805,"end":1712.2051,"sentiment":"neutral","sentiment_score":-0.12291356176137924},{"text":"Can you repeat that one?","start":1712.2051,"end":1713.42,"sentiment":"neutral","sentiment_score":-0.08294285535812378}],"sentiment":"neutral","sentiment_score":-0.08960463975866635,"channel":1,"num_words":6,"start":1711.805,"end":1713.42},{"sentences":[{"text":"That's okay.","start":1713.94,"end":1714.74,"sentiment":"neutral","sentiment_score":0.10553880408406258},{"text":"Do you consider yourself happy to take on a higher level of risk to get greater potential returns?","start":1714.74,"end":1719.72,"sentiment":"neutral","sentiment_score":-0.0671684110744132},{"text":"Do you consider yourself comfortable taking on a moderate or medium amount of risk to get the best returns you can or next to no risk to get the best returns possible?","start":1720.0199,"end":1728.36,"sentiment":"neutral","sentiment_score":0.009530337410978973}],"sentiment":"neutral","sentiment_score":-0.013326596038845869,"channel":0,"num_words":52,"start":1713.94,"end":1728.36},{"sentences":[{"text":"Probably, like, moderate to 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the last one here is have you ever considered taking out a loan to invest in shares or manage funds or you would not wanna borrow for for that sort of investing at all.","start":1735.275,"end":1745.77,"sentiment":"neutral","sentiment_score":0.05854880682059697}],"sentiment":"neutral","sentiment_score":0.08717394130010354,"channel":0,"num_words":38,"start":1732.155,"end":1745.77},{"sentences":[{"text":"No.","start":1746.22,"end":1746.62,"sentiment":"neutral","sentiment_score":-0.06975133717060089},{"text":"I don't wanna borrow money to take out loans or investment type things.","start":1746.62,"end":1751.5,"sentiment":"neutral","sentiment_score":-0.1363718303350302},{"text":"I 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recently is gone as a guarantor signature for my son to buy another car, but","start":1755.7649,"end":1763.605,"sentiment":"neutral","sentiment_score":-0.053643127637250085}],"sentiment":"neutral","sentiment_score":-0.053643127637250085,"channel":1,"num_words":21,"start":1755.7649,"end":1763.605},{"sentences":[{"text":"Okay.","start":1763.525,"end":1764.025,"sentiment":"neutral","sentiment_score":-0.053143471479415894}],"sentiment":"neutral","sentiment_score":-0.053143471479415894,"channel":0,"num_words":1,"start":1763.525,"end":1764.025},{"sentences":[{"text":"that's as far as a risk that I'm willing to take.","start":1763.605,"end":1767.065,"sentiment":"neutral","sentiment_score":-0.10208560357039625}],"sentiment":"neutral","sentiment_score":-0.10208560357039625,"channel":1,"num_words":11,"start":1763.605,"end":1767.065},{"sentences":[{"text":"No.","start":1767.365,"end":1767.765,"sentiment":"neutral","sentiment_score":-0.07933168858289719},{"text":"Of 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really good look.","start":1978.72,"end":1982.195,"sentiment":"positive","sentiment_score":0.6212285235524178},{"text":"I've got an understanding of where you're after with those questions there.","start":1982.195,"end":1985.235,"sentiment":"positive","sentiment_score":0.5403084804614385},{"text":"You have still scored in that growth portfolio range.","start":1985.235,"end":1987.7949,"sentiment":"positive","sentiment_score":0.6229128241539001},{"text":"So happy to kinda keep you there for a bit longer given your age and stage and where you're up to.","start":1987.7949,"end":1992.66,"sentiment":"positive","sentiment_score":0.7374755569866726},{"text":"So we'll go back and do a bit of research there for you, have a look at everything that's going on, and update the advice 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myself.","start":2004.02,"end":2013.885,"sentiment":"neutral","sentiment_score":0.21639601427775162},{"text":"Okay?","start":2014.1051,"end":2014.6051,"sentiment":"neutral","sentiment_score":0.16801711916923523}],"sentiment":"neutral","sentiment_score":0.20502333082850016,"channel":0,"num_words":63,"start":1998.66,"end":2014.6051},{"sentences":[{"text":"Cool.","start":2015.275,"end":2015.775,"sentiment":"positive","sentiment_score":0.4646444022655487},{"text":"No problems.","start":2015.835,"end":2016.495,"sentiment":"positive","sentiment_score":0.4188947379589081}],"sentiment":"positive","sentiment_score":0.43414462606112164,"channel":1,"num_words":3,"start":2015.275,"end":2016.495},{"sentences":[{"text":"So, Hansi, thank you for taking my call, Lisa.","start":2016.265,"end":2018.745,"sentiment":"positive","sentiment_score":0.6749827928013272},{"text":"Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment?","start":2018.745,"end":2023.98,"sentiment":"neutral","sentiment_score":0.20456229278753543},{"text":"And I'll ask you everything under the sun.","start":2023.98,"end":2026.0,"sentiment":"neutral","sentiment_score":0.09111178293824196}],"sentiment":"neutral","sentiment_score":0.2768705628164437,"channel":0,"num_words":46,"start":2016.265,"end":2026.0},{"sentences":[{"text":"Not not really.","start":2027.16,"end":2028.5399,"sentiment":"neutral","sentiment_score":-0.047528294225533806},{"text":"I I like I said, I am pretty comfortable where I am financially at the moment.","start":2028.6,"end":2033.315,"sentiment":"neutral","sentiment_score":0.09423515759408474}],"sentiment":"neutral","sentiment_score":0.0718514546751976,"channel":1,"num_words":19,"start":2027.16,"end":2033.315},{"sentences":[{"text":"Beautiful.","start":2033.835,"end":2034.335,"sentiment":"positive","sentiment_score":0.535089373588562}],"sentiment":"positive","sentiment_score":0.535089373588562,"channel":0,"num_words":1,"start":2033.835,"end":2034.335},{"sentences":[{"text":"And out of my family, I'm probably the only one that's really set myself up properly by having these conversations and looking","start":2035.0549,"end":2043.615,"sentiment":"neutral","sentiment_score":0.21162313426082785}],"sentiment":"neutral","sentiment_score":0.21162313426082785,"channel":1,"num_words":22,"start":2035.0549,"end":2043.615},{"sentences":[{"text":"Yeah.","start":2043.275,"end":2043.355,"sentiment":"neutral","sentiment_score":0.12263397872447968},{"text":"Yep.","start":2043.355,"end":2043.855,"sentiment":"neutral","sentiment_score":0.09647566080093384}],"sentiment":"neutral","sentiment_score":0.10955481976270676,"channel":0,"num_words":2,"start":2043.275,"end":2043.855},{"sentences":[{"text":"at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that.","start":2043.615,"end":2050.98,"sentiment":"neutral","sentiment_score":0.11244120106101035},{"text":"I actually","start":2051.04,"end":2051.6,"sentiment":"neutral","sentiment_score":0.11747761815786362}],"sentiment":"neutral","sentiment_score":0.11281426899411061,"channel":1,"num_words":27,"start":2043.615,"end":2051.6},{"sentences":[{"text":"Yeah.","start":2051.37,"end":2051.87,"sentiment":"neutral","sentiment_score":0.13586586713790894}],"sentiment":"neutral","sentiment_score":0.13586586713790894,"channel":0,"num_words":1,"start":2051.37,"end":2051.87},{"sentences":[{"text":"do review them quite regularly","start":2051.6,"end":2053.54,"sentiment":"neutral","sentiment_score":0.13333028852939605}],"sentiment":"neutral","sentiment_score":0.13333028852939605,"channel":1,"num_words":5,"start":2051.6,"end":2053.54},{"sentences":[{"text":"Oh, it's good.","start":2054.01,"end":2054.91,"sentiment":"positive","sentiment_score":0.40408801039059955}],"sentiment":"positive","sentiment_score":0.40408801039059955,"channel":0,"num_words":3,"start":2054.01,"end":2054.91},{"sentences":[{"text":"purely to","start":2054.64,"end":2055.28,"sentiment":"neutral","sentiment_score":0.26106128096580505}],"sentiment":"neutral","sentiment_score":0.26106128096580505,"channel":1,"num_words":2,"start":2054.64,"end":2055.28},{"sentences":[{"text":"Yeah.","start":2055.13,"end":2055.63,"sentiment":"neutral","sentiment_score":0.3163812756538391}],"sentiment":"neutral","sentiment_score":0.3163812756538391,"channel":0,"num_words":1,"start":2055.13,"end":2055.63},{"sentences":[{"text":"get the best deal for my family and my needs at the time.","start":2055.28,"end":2059.3,"sentiment":"positive","sentiment_score":0.35874465566415054}],"sentiment":"positive","sentiment_score":0.35874465566415054,"channel":1,"num_words":13,"start":2055.28,"end":2059.3},{"sentences":[{"text":"Yep.","start":2058.985,"end":2059.485,"sentiment":"neutral","sentiment_score":0.1851440966129303},{"text":"Yep.","start":2059.625,"end":2060.125,"sentiment":"neutral","sentiment_score":0.1831599920988083}],"sentiment":"neutral","sentiment_score":0.1841520443558693,"channel":0,"num_words":2,"start":2058.985,"end":2060.125},{"sentences":[{"text":"So yeah.","start":2061.2952,"end":2062.0151,"sentiment":"neutral","sentiment_score":0.26036419719457626},{"text":"So I'm feeling pretty comfortable where I am.","start":2062.0151,"end":2065.135,"sentiment":"positive","sentiment_score":0.4865257553756237},{"text":"And if yeah.","start":2065.135,"end":2066.895,"sentiment":"neutral","sentiment_score":0.322331964969635},{"text":"Like I said, if anything major changes, I would definitely book in.","start":2066.895,"end":2071.715,"sentiment":"neutral","sentiment_score":0.2606140039861202}],"sentiment":"positive","sentiment_score":0.3402919352054596,"channel":1,"num_words":25,"start":2061.2952,"end":2071.715},{"sentences":[{"text":"Yeah.","start":2072.2798,"end":2072.7798,"sentiment":"neutral","sentiment_score":0.0778801441192627}],"sentiment":"neutral","sentiment_score":0.0778801441192627,"channel":0,"num_words":1,"start":2072.2798,"end":2072.7798},{"sentences":[{"text":"Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will","start":2073.24,"end":2087.56,"sentiment":"neutral","sentiment_score":-0.02371099905576557}],"sentiment":"neutral","sentiment_score":-0.02371099905576557,"channel":1,"num_words":36,"start":2073.24,"end":2087.56},{"sentences":[{"text":"Mhmm.","start":2087.495,"end":2087.995,"sentiment":"neutral","sentiment_score":0.05843812972307205}],"sentiment":"neutral","sentiment_score":0.05843812972307205,"channel":0,"num_words":1,"start":2087.495,"end":2087.995},{"sentences":[{"text":"definitely give you a callback because it's got an","start":2087.56,"end":2089.7651,"sentiment":"neutral","sentiment_score":0.07434856560495165}],"sentiment":"neutral","sentiment_score":0.07434856560495165,"channel":1,"num_words":9,"start":2087.56,"end":2089.7651},{"sentences":[{"text":"Yeah.","start":2089.735,"end":2090.235,"sentiment":"neutral","sentiment_score":0.044008899480104446}],"sentiment":"neutral","sentiment_score":0.044008899480104446,"channel":0,"num_words":1,"start":2089.735,"end":2090.235},{"sentences":[{"text":"impact on my super going forward.","start":2089.7651,"end":2092.985,"sentiment":"neutral","sentiment_score":0.15907938654224077}],"sentiment":"neutral","sentiment_score":0.15907938654224077,"channel":1,"num_words":6,"start":2089.7651,"end":2092.985},{"sentences":[{"text":"Absolutely.","start":2093.67,"end":2094.17,"sentiment":"neutral","sentiment_score":0.07537528872489929},{"text":"No.","start":2094.39,"end":2094.71,"sentiment":"neutral","sentiment_score":0.001304345205426216},{"text":"Definitely.","start":2094.71,"end":2095.21,"sentiment":"neutral","sentiment_score":0.003361547365784645},{"text":"Well, thank you so much for that.","start":2095.5898,"end":2097.43,"sentiment":"positive","sentiment_score":0.8380429744720459},{"text":"I'll let you go so you have a good afternoon.","start":2097.43,"end":2099.27,"sentiment":"positive","sentiment_score":0.7882168054580688}],"sentiment":"positive","sentiment_score":0.691425502859056,"channel":0,"num_words":20,"start":2093.67,"end":2099.27},{"sentences":[{"text":"Hopefully, the day isn't as hectic as the morning has been there for you, and I'll get working on this research there for you as well.","start":2099.27,"end":2107.13,"sentiment":"positive","sentiment_score":0.4891369463159488}],"sentiment":"positive","sentiment_score":0.4891369463159488,"channel":0,"num_words":26,"start":2099.27,"end":2107.13},{"sentences":[{"text":"Yeah.","start":2106.9001,"end":2107.4001,"sentiment":"neutral","sentiment_score":0.006800886243581772},{"text":"Looking looking at my work plan, I'm not very optimistic it's gonna get better.","start":2107.78,"end":2112.28,"sentiment":"neutral","sentiment_score":-0.29104421766740934}],"sentiment":"neutral","sentiment_score":-0.2711878774066766,"channel":1,"num_words":15,"start":2106.9001,"end":2112.28},{"sentences":[{"text":"Oh, well","start":2113.345,"end":2113.7449,"sentiment":"neutral","sentiment_score":0.035610372200608253}],"sentiment":"neutral","sentiment_score":0.035610372200608253,"channel":0,"num_words":2,"start":2113.345,"end":2113.7449},{"sentences":[{"text":"But the good thing is, you know, very shortly, it's not gonna be my problem.","start":2115.54,"end":2119.4849,"sentiment":"neutral","sentiment_score":0.2853019908070564},{"text":"So","start":2119.4849,"end":2119.9849,"sentiment":"neutral","sentiment_score":0.2238987684249878}],"sentiment":"neutral","sentiment_score":0.28146428940817714,"channel":1,"num_words":16,"start":2115.54,"end":2119.9849},{"sentences":[{"text":"yeah.","start":2120.225,"end":2120.625,"sentiment":"neutral","sentiment_score":0.3115190267562866},{"text":"Absolutely.","start":2120.625,"end":2121.125,"sentiment":"positive","sentiment_score":0.6020814776420593},{"text":"Perfect.","start":2121.665,"end":2122.145,"sentiment":"positive","sentiment_score":0.6584713459014893},{"text":"Well, while you're working your butt off there, I'll work mine off here, and we'll get that research completed for you.","start":2122.145,"end":2127.3,"sentiment":"positive","sentiment_score":0.35163377934978124}],"sentiment":"positive","sentiment_score":0.3731825506935517,"channel":0,"num_words":24,"start":2120.225,"end":2127.3},{"sentences":[{"text":"No problem.","start":2127.645,"end":2128.365,"sentiment":"positive","sentiment_score":0.44932709634304047},{"text":"Thank you very much, Dana.","start":2128.365,"end":2129.9849,"sentiment":"positive","sentiment_score":0.7437774419784546}],"sentiment":"positive","sentiment_score":0.6596487717969077,"channel":1,"num_words":7,"start":2127.645,"end":2129.9849},{"sentences":[{"text":"That's okay, Lisa.","start":2130.2646,"end":2131.3848,"sentiment":"positive","sentiment_score":0.6055696805318197},{"text":"Thank you for your time this morning.","start":2131.3848,"end":2132.7449,"sentiment":"positive","sentiment_score":0.8352347527231488},{"text":"I hope you have a good day.","start":2132.7449,"end":2134.2048,"sentiment":"positive","sentiment_score":0.7513891543660846},{"text":"Talk to you soon.","start":2134.2646,"end":2135.3247,"sentiment":"positive","sentiment_score":0.5306981056928635}],"sentiment":"positive","sentiment_score":0.716469943523407,"channel":0,"num_words":21,"start":2130.2646,"end":2135.3247},{"sentences":[{"text":"You too.","start":2136.0051,"end":2136.825,"sentiment":"positive","sentiment_score":0.39510704576969147}],"sentiment":"positive","sentiment_score":0.39510704576969147,"channel":1,"num_words":2,"start":2136.0051,"end":2136.825},{"sentences":[{"text":"Thank","start":2137.3848,"end":2137.7048,"sentiment":"positive","sentiment_score":0.48478227853775024}],"sentiment":"positive","sentiment_score":0.48478227853775024,"channel":0,"num_words":1,"start":2137.3848,"end":2137.7048},{"sentences":[{"text":"Bye.","start":2137.605,"end":2138.105,"sentiment":"positive","sentiment_score":0.4441258311271667}],"sentiment":"positive","sentiment_score":0.4441258311271667,"channel":1,"num_words":1,"start":2137.605,"end":2138.105},{"sentences":[{"text":"you.","start":2137.7048,"end":2138.2048,"sentiment":"positive","sentiment_score":0.442699670791626},{"text":"See you later.","start":2138.2646,"end":2139.0847,"sentiment":"neutral","sentiment_score":0.2523885543147723}],"sentiment":"neutral","sentiment_score":0.2999663334339857,"channel":0,"num_words":4,"start":2137.7048,"end":2139.0847}]},"summary":{"result":"success","short":"Lisa discusses her investment strategy with a representative from OeuF, including her desire to retire and move out of her current employer. She expresses her desire to work with special needs children and explore switching investments. The speaker recommends exploring new investment options and adjusting their advice for future changes. They also discuss the benefits of a lower cost investment account and the importance of managing their insurance and leave entitlements. The speaker emphasizes the importance of updating their investment advice and staying with them while updating their strategy later."},"intents":{"segments":[{"text":"It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well.","start_word":458,"end_word":489,"intents":[{"intent":"Reevaluate investment strategy","confidence_score":0.0053418204}]},{"text":"So I'll be looking roughly around what I'm currently earning, maybe a little Yep. bit more as a buffer Yep. for my next employment opportunity.","start_word":1409,"end_word":1433,"intents":[{"intent":"Evaluate job opportunities","confidence_score":0.120686166}]},{"text":"the advice.","start_word":1493,"end_word":1494,"intents":[{"intent":"Update advice and compare","confidence_score":3.466512e-7}]},{"text":"at strategies that kind of keep your super working because you are paying for your life and TB to get out of the super.","start_word":2015,"end_word":2038,"intents":[{"intent":"Check status of super and investment strategies","confidence_score":9.0921555e-9}]},{"text":"Do you I I do switch in every now and again and just keep an eye Mhmm. on what's going on. So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part. Yep.","start_word":2219,"end_word":2272,"intents":[{"intent":"Monitor investments","confidence_score":0.014115847}]},{"text":"What would you like to sort of see with your investments? Yeah.","start_word":2764,"end_word":2775,"intents":[{"intent":"Evaluate investment options","confidence_score":0.092193045}]},{"text":"By being in that SMA product, we can actually remove that and put something else in its place, and that means we don't need to update the advice very regularly for you.","start_word":3018,"end_word":3049,"intents":[{"intent":"Remove investments","confidence_score":0.02190711}]},{"text":"Probably I'm probably comfortable with not having as much visibility. And Yeah.","start_word":3221,"end_word":3232,"intents":[{"intent":"Address investment visibility","confidence_score":0.0046309084}]},{"text":"if someone cares performing, move with the market quite quickly Yeah.","start_word":3233,"end_word":3243,"intents":[{"intent":"Perform against market","confidence_score":0.0000058361406}]},{"text":"you know, if that happens, I would rather try and counteract that with not taking a big hit. I would Yep.","start_word":3349,"end_word":3369,"intents":[{"intent":"Counteract investment impact","confidence_score":0.07215185}]},{"text":"So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in.","start_word":3410,"end_word":3428,"intents":[{"intent":"Review super platform and investments","confidence_score":0.052247606}]},{"text":"So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in. I'll also review the investments. I'll look at all the options. So the the separately managed account option as well as any other options we have for investments, just making sure that that's in line with you. We also do Yep.","start_word":3410,"end_word":3469,"intents":[{"intent":"Review investment options","confidence_score":0.06452445}]},{"text":"factor in the CGT. So because your super balance is really well, you have done quite well over the years. We don't wanna obviously have too high a tax effect on your super.","start_word":3470,"end_word":3502,"intents":[{"intent":"Discuss cgt and income tax options","confidence_score":0.020132253}]},{"text":"But I can review all those different options for you, provide the advice document that shows you and outlines what what we're recommending, how, and why. And then when you get to have a look at that, you can decide whether you take on all the recommendations, some of them or none of them at all. Does that sound okay? Yeah.","start_word":3540,"end_word":3600,"intents":[{"intent":"Clarify application of recommendations","confidence_score":0.000039160113}]},{"text":"So noting, you know, having a look at how it looks without any contributions as well just to sort of see what we might be expecting. And we'll probably put something in the advice document with the recommendations, but then also have the appendix aside with alternative options for you so you can kinda see the different scenarios we have looked at as well. Is that alright? Yes.","start_word":3626,"end_word":3693,"intents":[{"intent":"Discuss future changes","confidence_score":0.04116267}]},{"text":"Now with your insurances, obviously, we're not gonna look at altering them in any way at the moment, but it is important because we are updating the advice around the investments in your suit.","start_word":3699,"end_word":3732,"intents":[{"intent":"Consider future updates","confidence_score":0.0019686478}]},{"text":"But with your insurance and being paid out of them, we do need to make sure we factor that into the scenario.","start_word":3734,"end_word":3755,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.02343358}]},{"text":"Yeah. so if something happens, I can book back in with you, Dana? Absolutely. Most definitely. If anything happens, you just call the team. They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need. Okay? Okay.","start_word":4372,"end_word":4424,"intents":[{"intent":"Set appointment","confidence_score":0.005869255}]},{"text":"Are you fairly comfortable with that level of exposure? Did you wanna look at altering that at the moment? Or I think at this point in time, I'm I'm I'm pretty comfortable. Yeah.","start_word":4571,"end_word":4603,"intents":[{"intent":"Assess portfolio comfort","confidence_score":0.14895473}]},{"text":"earlier that you don't wish to work beyond the age of 60, 60, so long as you fully retire, is the age you can also access your super. So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well. Okay?","start_word":5048,"end_word":5103,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.07345304}]},{"text":"And when you look at your own lending side of things, is this your main primary residence that you've borrowed for in the past? No.","start_word":5361,"end_word":5385,"intents":[{"intent":"Evaluate personal finance portfolio","confidence_score":0.00001693435}]},{"text":"Are you a bit cautious, concerned, or are you feeling a bit anxious? No.","start_word":5561,"end_word":5574,"intents":[{"intent":"Express concern","confidence_score":0.01827728},{"intent":"Discuss parenting","confidence_score":0.026521957}]},{"text":"And given my age, like I said, at the same age, Yeah.","start_word":5586,"end_word":5597,"intents":[{"intent":"Discuss age","confidence_score":0.4515161}]},{"text":"You do you find yourself appreciating that time a lot more because of that? yeah.","start_word":5695,"end_word":5709,"intents":[{"intent":"Express gratitude","confidence_score":0.11747277},{"intent":"Express gratitude","confidence_score":0.09088195}]},{"text":"I've looked at life differently. I don't sweat Yeah.","start_word":5711,"end_word":5719,"intents":[{"intent":"Discuss experiences","confidence_score":0.008229348}]},{"text":"And I've actually had these conversations with my kids saying, unless I set you up, you are not gonna get into the housing market. It's just Yeah. gonna be that unrealistic for you guys to even try and own your own home. Oh, absolutely.","start_word":5743,"end_word":5786,"intents":[{"intent":"Discuss house ownership","confidence_score":0.2022093},{"intent":"Inquire about home ownership","confidence_score":0.00005584354}]},{"text":"My kids are 19 and 20, and I understand exactly. It's very difficult out there, and we've had the same conversations. They will need Yeah. my help moving forward.","start_word":5787,"end_word":5815,"intents":[{"intent":"Discuss kids' needs","confidence_score":0.013584698}]},{"text":"Excellent. Fantastic.","start_word":5896,"end_word":5897,"intents":[{"intent":"End conversation","confidence_score":0.017715605}]},{"text":"And if you do have any additional questions and you wanna be booked back in with me, please give us a call, let us know, and the team will book you in for the first available appointment with myself. Okay? Cool.","start_word":6005,"end_word":6045,"intents":[{"intent":"Schedule appointment","confidence_score":0.015840534},{"intent":"Book in","confidence_score":0.3467122}]},{"text":"So, Hansi, thank you for taking my call, Lisa. Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment? And I'll ask you everything under the sun. Not not really. I I like I said, I am pretty comfortable where I am financially at the moment. Beautiful.","start_word":6048,"end_word":6113,"intents":[{"intent":"Discuss finances","confidence_score":0.019048447}]},{"text":"at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that.","start_word":6138,"end_word":6162,"intents":[{"intent":"Review policies","confidence_score":0.87854004},{"intent":"Review policies","confidence_score":0.4645042}]},{"text":"Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will Mhmm.","start_word":6218,"end_word":6254,"intents":[{"intent":"Discuss growth income","confidence_score":0.0115531515}]}]},"sentiments":{"segments":[{"text":"Hello. This is Lisa. Hi, Lisa. This is Dana from OKIE Financial. How are you this morning?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.14649587869644165},{"text":"Not bad. Thank you. And yourself? I'm very well. Thank you.","start_word":17,"end_word":27,"sentiment":"positive","sentiment_score":0.5039326548576355},{"text":"I had you pulled in for a bit of a catch up today. Is now still a good time there for you?","start_word":28,"end_word":49,"sentiment":"neutral","sentiment_score":0.31049007177352905},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.45158517360687256},{"text":"How's your morning been so far? Sure. Yeah. A bit hectic at the moment. Oh, how's it? I'm so sorry to hear that. I'll try not to keep you too long. Lisa, Mhmm. is this a bit of a catch up after your annual review we completed? Because we are discussing your personal information, I do wanna do security there with you. Sure. But first, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful. And this is sorry. Just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yes. It's Lisa Marie Killrain. 1974. Number 7 Potter Street in Huntingdale, Western Australia 6110. Beautiful.","start_word":51,"end_word":186,"sentiment":"neutral","sentiment_score":0.01256477553397417},{"text":"Thank you so much for that.","start_word":187,"end_word":192,"sentiment":"positive","sentiment_score":0.5681560039520264},{"text":"Lisa, I had you booked in for a bit of a catch up. I know you completed your annual review with my colleague Samantha about a week or so ago, and she had sort of had a bit of a chat about your portfolio there. I've booked you in for a bit of a conversation in relation to one of the investments. Do you remember kinda going through that with her at all? Yeah. I do. Yeah. That's okay. So the main so the reason we wanted to do the catch up with you is just to kinda go through what's been happening. One of your underlying investments has sort of seen a bit of a a change, and we wanted to touch base to, like, maybe have a chat about updating the advice for you. Yep. In your portfolio and look when I have a look back at your portfolio over the course of the last year and when you have been onboard from 2022, you have seen some great returns there.","start_word":193,"end_word":365,"sentiment":"neutral","sentiment_score":0.12904097139835358},{"text":"From inception, your portfolio is up by 40.25%.","start_word":366,"end_word":373,"sentiment":"positive","sentiment_score":0.3380345404148102},{"text":"So when we look at that on an annual basis, it's about a 10.06% compounded return.","start_word":374,"end_word":389,"sentiment":"neutral","sentiment_score":0.13500723242759705},{"text":"So you have done quite well.","start_word":390,"end_word":395,"sentiment":"positive","sentiment_score":0.46893325448036194},{"text":"However, in the last couple of weeks that we have noted that, Ben, along your Australian equities portion of your portfolio has been underperforming slightly, and, essentially, that is because one of their underlying investments, Corporate Traveler, has got, unfortunately, been a bit dishonest. The market wasn't reporting correctly. And that obviously had come out in their reports to the market there.","start_word":396,"end_word":457,"sentiment":"negative","sentiment_score":-0.4588508605957031},{"text":"It meant that Benelong had to go back and under so reevaluate that portion of their investments, which meant that everyone's kinda gone back and reevaluated Benelong as an investment as well. We do want to start maybe moving you out of that and putting else in its place, but we just wanted to have a bit of a conversation to sorta get a feel for what you are after with regard to your investments there. Does that all make sense so far? Or Yeah. It does. yeah.","start_word":458,"end_word":545,"sentiment":"neutral","sentiment_score":-0.10934168100357056},{"text":"Perfect.","start_word":546,"end_word":546,"sentiment":"positive","sentiment_score":0.5224352478981018},{"text":"Essentially, when we are looking at maybe updating the investment strategy, I can see you expecting some changes to your circumstances over the next couple of months as well.","start_word":547,"end_word":575,"sentiment":"neutral","sentiment_score":0.20860441029071808},{"text":"I'm very sorry to hear that you might be made redundant.","start_word":576,"end_word":586,"sentiment":"negative","sentiment_score":-0.4159752130508423},{"text":"Is there any kind of word on where that might be going at the moment? Have they sort of given you an update at all? Not yet. It's still in the process. It's not a Yeah. unhappy thing. It's something Okay. that I want in terms Yeah. of where the where my current employer is going is not where I want to align my values as an employee. Yeah. So after thirty years, I've actually basically said bring it on. Because Lovely. I'm look I am looking for a new challenge, and Yes. I think this is the right time frame wise. It may Yeah. be a right time for me to look elsewhere and spread my wings because I'm not planning on retiring anytime soon. Considering Yeah. that I'm only 52 this year, Yes. I've got still plenty of working life in me. It's Absolutely. whether other people Yes. think that, you know, employing someone so old is Yep.","start_word":587,"end_word":746,"sentiment":"neutral","sentiment_score":-0.08588279783725739},{"text":"a a good move for them. Yeah. Absolutely. Look. You are 52 years young this year. You still have plenty of time ahead of you and a lot of life to live there, so I absolutely agree.","start_word":747,"end_word":783,"sentiment":"positive","sentiment_score":0.48251405358314514},{"text":"No.","start_word":784,"end_word":784,"sentiment":"neutral","sentiment_score":0.019931085407733917},{"text":"Well, I'm and I'm glad to hear that that's a good thing that you're kind of wanting this change.","start_word":785,"end_word":803,"sentiment":"positive","sentiment_score":0.42725223302841187},{"text":"Have you sort of thought about what you'd like to do in in the future? Something No. that interests you or no? So what I'm planning on doing once it actually happens is basically taking a two month detox, especially after a thirty year career in the one area, Yeah. Yeah. really look around and see what's gonna grab my interest. Whether Yep. I go back to school and actually Yes. get a different degree, I'm Yep. quite willing to do that to virtually expand my skill set. So Yeah. there's Okay. a there's a few areas that I'm looking, but I don't know, like I said, whether they will wanna employ somebody with my skill set. Yeah. And No. I Understandable. and I and I'm virtually just basically looking for something that will cover my day to day expenses and not Yep. anything beyond that, if that makes sense. Yeah. No. Completely understandable. And so you'll still be in this role until about is it March, or have they kind of worked out when that might occur that change might occur? Well, at the moment, we're waiting on formal confirmation to go out. It was supposed to happen at the towards the end of this month. I cannot Yep. personally see that happening Yes. given the time frame that they wanted this to happen. So I would imagine round about mid March, but I cannot even see that coming to fruition knowing that, you know, the track record of this bloody company is all over the place. Yeah. So at the moment, I'm sorta I've been in limbo since May, which Yep. is why I've actually pushed for the route that I have gone to say, Okay.","start_word":804,"end_word":1091,"sentiment":"neutral","sentiment_score":-0.08253051340579987},{"text":"well, you don't value me as an employee by doing this restructure and kept me hanging for this time frame.","start_word":1092,"end_word":1111,"sentiment":"negative","sentiment_score":-0.5274072289466858},{"text":"So Yeah.","start_word":1112,"end_word":1113,"sentiment":"neutral","sentiment_score":-0.13870586454868317},{"text":"it was sort of basically pushing back on them and saying, I'm not interested.","start_word":1114,"end_word":1127,"sentiment":"negative","sentiment_score":-0.4444085359573364},{"text":"Yeah. Absolutely. And you've still got some kids living at home. They're 18. Is that right? Yeah. Both of them are 18. One is working, but trying to get him to look at changing roles Yep. because I don't think it's good fit for him, and he's finally, 18, finally looking at this company choosing and abusing him. And I'm looking at getting my daughter into some study to get one more Yeah. part of her degree so that it expands her aspects of being employed because she's looking Yep. at becoming an EA. So she's Okay. got one most of it, she just needs Yep. this one little part of it to actually make that happen because she loves working with special needs.","start_word":1128,"end_word":1251,"sentiment":"neutral","sentiment_score":0.04012826830148697},{"text":"Oh, that's beautiful. It takes a lot of patience and a very special person to work in that area.","start_word":1252,"end_word":1270,"sentiment":"positive","sentiment_score":0.4124791920185089},{"text":"Yeah. So she she's trying to find a full time job that works around her current job as a gymnastics coach as well. So she loves working Yeah. with children, And she gives her time back to that, and she also works for special needs, which is why she's actually looking at the avenue.","start_word":1271,"end_word":1324,"sentiment":"neutral","sentiment_score":0.2039991319179535},{"text":"Oh, that's beautiful. That's fantastic.","start_word":1325,"end_word":1329,"sentiment":"positive","sentiment_score":0.6691142916679382},{"text":"So do they sort of rely on you much financially at the moment? Yes and no. Is that right? Yeah. It does. Absolutely. Yes. To a point if there's low in their income and they Mhmm. need assistance because they both bought vehicles. Yes. So I help out where I can, which is why I said that I I'm still looking at something to cover the day to day bills in case Yeah. I need to help them out. So I'll be looking roughly around what I'm currently earning, maybe a little Yep. bit more as a buffer Yep. for my next employment opportunity. So that's Yeah. that's the key figure I've got in my mind. Anything Yeah. about that will be beneficial. Absolutely. No. Perfect. Well, we have certainly two avenues that we can definitely take. And sort of moving forward, there are some big changes to your circumstances that we may need to take into effect when we are updating Yep. the advice. Did you want us to look Benelung is showing it is down at the moment, but it isn't holding a huge amount of your portfolio back.","start_word":1330,"end_word":1520,"sentiment":"neutral","sentiment_score":0.023375272399780017},{"text":"As I mentioned, you had a great return over the past couple of years when we look at the compounding effect there.","start_word":1521,"end_word":1542,"sentiment":"positive","sentiment_score":0.4934808611869812},{"text":"And if I just go back to the last twelve months sorry. Just running my computer.","start_word":1543,"end_word":1558,"sentiment":"neutral","sentiment_score":0.13883785903453827},{"text":"So the last twelve months shows even with Benelon having a bit of a callback, you still received about a 6.09% return. So you have done really well. And because your balance is certainly higher, as your balance does increase and keeps compounding, smaller changes are gonna make a bit more of an effect.","start_word":1559,"end_word":1612,"sentiment":"positive","sentiment_score":0.5454289317131042},{"text":"Would you like us to provide the advice around the the switch in investments now, or did you maybe wanna do a bit of a catch up in another couple of weeks and see where things are going with your employer, and maybe factor in any other changes into the advice? What would you like us to do moving forward? How do you how comfortable do you feel? Yeah. I think I wanna explore maybe changing, especially if it's not performing as well as it should be. Yes. Yep. But also probably review it given when my circumstances change as well to make sure that I'm still aligned to what where I really wanna go because my super is all about really if anything happens to me, I'm I'm trying to set my kids up Yes. as well. So hence why I've taken out the life insurance policies and stuff like Yep. that, not only on myself but on my children. And given the fact that I did lose my husband thirteen years ago Yeah. to cancer, Yeah. and Yes. I wasn't actually he wasn't as financially prepared as probably he should have been given his age. Yeah. But yeah. And and given his circumstances, he sort of set me up to help set the kids up, if that makes Okay. sense. Yeah. Absolutely. No. Definitely.","start_word":1613,"end_word":1838,"sentiment":"neutral","sentiment_score":0.0432971753180027},{"text":"So you're comfortable with us doing the advice now, sort of looking at things now even with the the upcoming changes, or did you wanna maybe hold off a few weeks and and do everything together?","start_word":1839,"end_word":1874,"sentiment":"positive","sentiment_score":0.3418426513671875},{"text":"It just depends on how much of a financial impact that's gonna make. I know it comes Yep. out of my super. But if it's looking at going to preferably boost it sooner rather than later, I'd rather do that and then Yeah. know when my circumstances change. I'll definitely get back in touch with you and say, look. This is my new annual figure. Is that still on track, or do we need to look at reviewing it again? Yeah.","start_word":1875,"end_word":1955,"sentiment":"neutral","sentiment_score":0.08272901922464371},{"text":"That's absolutely fine. We can do that.","start_word":1956,"end_word":1962,"sentiment":"positive","sentiment_score":0.5209770202636719},{"text":"Not a problem. What I'd be wanting to do, because you are very close to looking at what this redundancy might look like, I may look at, obviously, what you are now, but then also factor Yep. in maybe what happens if there's no contributions going into your super and looking Yeah. at strategies that kind of keep your super working because you are paying for your life and TB to get out of the super. So whilst it's you know, you want your super still to be growing, and with the life and TPD component, it's not a huge cost. At the moment, the this year, the premium is about 1,387 and 73<unk> coming out of super, so it's not a massive one. When we look at the earnings that has been generated by your portfolio over the last twelve months there, it shows the earnings for the growth plus the income is about 30,681. So you do see as your super gets as your balance increases that the compounding effect increases there. So it is a small portion, but I do just wanna see what the effect looks like if there's no contributions going in, and that kind of shows Yeah.","start_word":1963,"end_word":2166,"sentiment":"neutral","sentiment_score":0.07692746073007584},{"text":"you moving forward.","start_word":2167,"end_word":2169,"sentiment":"positive","sentiment_score":0.3681546151638031},{"text":"If you don't have a job in a few months' time, just making sure it is still working for you is important. Is that okay?","start_word":2170,"end_word":2194,"sentiment":"neutral","sentiment_score":0.15565939247608185},{"text":"That is perfectly fine. Perfect.","start_word":2195,"end_word":2199,"sentiment":"positive","sentiment_score":0.52085942029953},{"text":"And when we do look at the different ways of investing, did you look at, your super very often? Do you I I do switch in every now and again and just keep an eye Mhmm. on what's going on. So I do have the app where I can view, and I do get the statements to say we've bought this lot of shares and invested in this part and that part. Yep. So I I Yep. do see them quite often. I go, oh, okay. Yeah. No. No. I can't think. So I do keep an eye on it. Yep. And I think now that my children are working, they're actually a little bit more into especially my son's asking questions around super because I'm looking at getting him Yeah. into a super fund that will work for him.","start_word":2200,"end_word":2338,"sentiment":"neutral","sentiment_score":0.09819568988444992},{"text":"So Perfect. I actually showed him mine, and he was gobsmacked with actually how much I had in there.","start_word":2339,"end_word":2357,"sentiment":"positive","sentiment_score":0.4783059358596802},{"text":"He actually Yeah. thought I had a little mad about in there, and I went, no, dude. That's not how it works. Yeah. So he was I think he was blown away with what is actually in my super for him. And I and I did say that you're not gonna get all that. You get a percentage Correct. of that. Yeah. Yeah. Yeah. Definitely.","start_word":2358,"end_word":2422,"sentiment":"neutral","sentiment_score":0.037353239953517914},{"text":"You've still got to enjoy your retirement years too.","start_word":2423,"end_word":2431,"sentiment":"positive","sentiment_score":0.34847304224967957},{"text":"If I'm still around that long, I'm planning on being, but, yeah, Oh, I who hope knows? you are, Lisa. A long time to go. Yep.","start_word":2432,"end_word":2457,"sentiment":"neutral","sentiment_score":0.07226359844207764},{"text":"Perfect.","start_word":2458,"end_word":2458,"sentiment":"positive","sentiment_score":0.347262442111969},{"text":"No.","start_word":2459,"end_word":2459,"sentiment":"neutral","sentiment_score":0.26414114236831665},{"text":"That's absolutely fine. I'm glad your son was really impressed with where things are going there.","start_word":2460,"end_word":2475,"sentiment":"positive","sentiment_score":0.609216034412384},{"text":"So one of the things I wanted to touch base on is there are different ways of investing. So having been along in your portfolio when you came on board originally was about having a little bit of an active manager in there. The role of an active manager, you can pay a little bit more for these sorts of investments, but the role of an active manager is that they're supposed to be buying and selling. They're supposed to be investing within their strategy so that they're outperforming against the market because you do tend to pay a bit more for these sorts of managers in your portfolio. Now because Bannalong, unfortunately, have come back and had a bit of a dip there with their issues over the last few months, and even sort of when you look back, well, they have been a great investment over the couple of years, but they have had those times where they've had a bit of a pullback and have taken a little bit longer to kind of come back and recover from those instances. So it is definitely time to maybe look at removing them and putting something else in their place. But because Yep. you are getting closer and closer to the years where you're able to access Super, did you wanna keep more of an active manager in your portfolio, or would you like to look at something a little bit more low cost that might be more passively managed? Passive investments tend to track a certain index or the market as a whole, and they tend to be a bit more lower cost and can perform better than active managers in the long run as well. What would you like to sort of see with your investments? Yeah. Probably look at probably switching to the lower one. Yeah. I would rather get more value out of what's going on. Yep. If the active manager is not actually performing, I would rather probably make that switch. Yeah.","start_word":2476,"end_word":2813,"sentiment":"neutral","sentiment_score":0.030511776271920935},{"text":"Perfect. And the one thing you mentioned to me, Jasmine, was really valuable was the value side of it.","start_word":2814,"end_word":2832,"sentiment":"positive","sentiment_score":0.367253452539444},{"text":"The other thing we sort of have been looking at is over the course of the last twelve months, our investment committee now. Directors here, along with utilizing BlackRock, which is one of Australia's largest investment firms, they have actually built a separately managed account. It's called an SMA. Essentially, what this is, it is an an investment account that you can hold on Hub twenty four. Inside that investment account, you have anywhere between 10 to 50 different investment options depending on what they see is valuable to have in that SMA. The benefits of having that sort of thing and where the value lies in that product is that you you kind of give us a bit more control around removing or moving around the investment options. So our investment committee with BlackRock's investment team meet on a regular basis. At the moment, it is kinda quarterly, and they review the investments within the portfolio there. If, say, something happened like what has happened with black sorry. With Van Alon where the investments underperformed slightly, they feel like it should be moved out. By being in that SMA product, we can actually remove that and put something else in its place, and that means we don't need to update the advice very regularly for you.","start_word":2833,"end_word":3049,"sentiment":"neutral","sentiment_score":0.11887304690851044},{"text":"We have a lot more control around making those decisions and removing investments to give you value and make sure the investments are, you know, working harder.","start_word":3050,"end_word":3076,"sentiment":"positive","sentiment_score":0.48398733139038086},{"text":"The downside to having that SMA is that when you look at your sleep, you don't see the nine different investment options. You have a let little bit less visibility in the underlying investments, and you would see your balance and the estimated product you're in. We can send you regular reports when things change. We can send you transaction reports and trade reports and change reports and things like that to let you know what's happening, but it's more about the visibility in your super. Would you like to see yourself in something like that where changes can be made if they need to be made without kind of going through and waiting and having the conversation, or do you want a bit more visibility on the investments in your super? What sort of picks your fancy more? What do you wanna see? Probably I'm probably comfortable with not having as much visibility. And Yeah. if someone cares performing, move with the market quite quickly Yeah. Perfect. as opposed to just, you know, seeing where it's gonna lie. Yep. Because the Perfect. market at the moment is from what I'm understanding when I watch the news and and stuff, it it's a bit volatile. You know? If Yeah. something's going on in that sector, especially in the financial sector that I work for, if something Yeah. is happening with my current employer and they're in the news Yep. saying, you know, this is happening and, you know, Mhmm. they've been fined and stuff, their stock Yes. is Yep. gonna go down. Right?","start_word":3077,"end_word":3339,"sentiment":"neutral","sentiment_score":-0.06253094226121902},{"text":"So that's gonna take a hit.","start_word":3340,"end_word":3345,"sentiment":"negative","sentiment_score":-0.34440651535987854},{"text":"But where Yep. you know, if that happens, I would rather try and counteract that with not taking a big hit. I would Yep. rather it be a little hit and move quite quickly with the market. Yeah.","start_word":3346,"end_word":3383,"sentiment":"neutral","sentiment_score":-0.0942728197888324},{"text":"Perfect.","start_word":3384,"end_word":3384,"sentiment":"positive","sentiment_score":0.5557824373245239},{"text":"Yep. No.","start_word":3385,"end_word":3386,"sentiment":"neutral","sentiment_score":0.27880337834358215},{"text":"That's a really good way of putting it. Excellent. So it does sound like that estimated product would be fairly suitable for you.","start_word":3387,"end_word":3409,"sentiment":"positive","sentiment_score":0.6173672080039978},{"text":"So if you're comfortable, what I'll do is I'll go back and review the super platform that you're in. I'll also review the investments. I'll look at all the options. So the the separately managed account option as well as any other options we have for investments, just making sure that that's in line with you. We also do Yep. factor in the CGT. So because your super balance is really well, you have done quite well over the years. We don't wanna obviously have too high a tax effect on your super. Your super Yeah. fund has to account for CGT and income and earnings tax on a yearly basis as well. So we don't wanna, you know, cause anything that's gonna have too much of a tax effect. But I can review all those different options for you, provide the advice document that shows you and outlines what what we're recommending, how, and why. And then when you get to have a look at that, you can decide whether you take on all the recommendations, some of them or none of them at all. Does that sound okay? Yeah. That sounds like a plan.","start_word":3410,"end_word":3605,"sentiment":"neutral","sentiment_score":0.1333813518285751},{"text":"Beautiful. Excellent.","start_word":3606,"end_word":3607,"sentiment":"positive","sentiment_score":0.5795965194702148},{"text":"I'll account for what's happening with your circumstances now, but we'll also factor in the changes to come. So noting, you know, having a look at how it looks without any contributions as well just to sort of see what we might be expecting. And we'll probably put something in the advice document with the recommendations, but then also have the appendix aside with alternative options for you so you can kinda see the different scenarios we have looked at as well. Is that alright? Yes.","start_word":3608,"end_word":3693,"sentiment":"neutral","sentiment_score":0.144738107919693},{"text":"That'd be great.","start_word":3694,"end_word":3696,"sentiment":"positive","sentiment_score":0.4773929715156555},{"text":"Yeah.","start_word":3697,"end_word":3697,"sentiment":"neutral","sentiment_score":0.28599676489830017},{"text":"Beautiful.","start_word":3698,"end_word":3698,"sentiment":"positive","sentiment_score":0.4617300033569336},{"text":"Now with your insurances, obviously, we're not gonna look at altering them in any way at the moment, but it is important because we are updating the advice around the investments in your suit. But with your insurance and being paid out of them, we do need to make sure we factor that into the scenario. You've got your licensed TPD component there. Essentially, your current licensed TPD sum insured is 464,814. Having a look, you don't have any income protection at the moment. You're comfortable just with the life and TV. You don't wanna look at income protection while you're still working.","start_word":3699,"end_word":3801,"sentiment":"neutral","sentiment_score":-0.03657900050137807},{"text":"You're happy with the cover you have.","start_word":3802,"end_word":3808,"sentiment":"positive","sentiment_score":0.3974378108978271},{"text":"Is that right? Did you wanna look at anything else, or did you have any questions around the cover? No. I'm quite happy not having income protection Yep. at this point in time, That's okay. but would rather the life insurance policy rather than the income Yes. because I'll always manage, you know, with income if I'm struggling. You know? I I Yep. do budget every fortnight Okay. and have listed what needs to be paid and what so I've sort of seen and tracking my expenditure. Yep. And if it means that, you know, I am made redundant and, you know, my funds are running out, I would actually look at getting back into the workforce sooner rather than later. Okay. But yeah. Yeah.","start_word":3809,"end_word":3933,"sentiment":"neutral","sentiment_score":0.008524793200194836},{"text":"Perfect.","start_word":3934,"end_word":3934,"sentiment":"positive","sentiment_score":0.39191934466362},{"text":"And do you have much in the way of annual leave or leave entitlements that you should also be able to get paid out when the time comes? Yes. I'm on my third lot of long service leave, so I still have some of that tucked away where I've got about two months. So I I've Yep. only taken about a month of my three months allocation leave, Yep. And I do have some annual leave that needs to be paid out as well, as well as the way that my contract was set up because I'm on the old legislation from when I started. Yep. I get paid out for three weeks of every year of continual service plus my a full month salary type thing. Wow. So yeah. But it's capped at thirty two years, so that's why I think it's the right time frame. Yes. Yeah. Perfect. So I'm not on a CBA contract at this point in time. But if they're looking at possibly moving me into a different role, which I probably wouldn't take, I'd be site made to sign a new contract that moves me off Yeah. those entitlements. Yeah. So at the moment, my Bankwest contract that I signed thirty years ago is quite tight. And Yeah. at the moment, the union is all over what CBA is trying to do, and he's Yep. squashing them at every opportunity. Wow. I mean, that contract you're on looks pretty nice. So, yeah, I'd be holding on to that too. Yeah. So there there are some people that have been affected by the restructures that have been going on, and there's more to come. Wow. So I'm led to believe, which is Yeah. why I think I'm wrapped up in the next lot. Yeah. So, yeah, it's just a matter of when. Yeah. Absolutely. Well, do keep us informed as what's happening. It does take us a couple of weeks to go back and have a look at the research and really put the plan together. There's a lot to sort of consider when we are doing the advice document. So if anything happens in the next couple of weeks, maybe I would if you definitely could just get let that. us know. Yeah. Yeah. Yeah. Just so we can kinda factor that in there for you. But as soon as we do have the advice ready to go, I'll get the team to book you back in. We'll go through it together so you can have Yep. a look at everything, and then you could So decide what you wanna do. Yeah. so if something happens, I can book back in with you, Dana? Absolutely. Most definitely. If anything happens, you just call the team. They'll make the first available appointment available to you, and I'll let the team know that if you call in, they'll book you in whenever you need. Okay? Okay.","start_word":3935,"end_word":4424,"sentiment":"neutral","sentiment_score":0.025015632063150404},{"text":"No problem. Beautiful. Thank you. That's okay.","start_word":4425,"end_word":4431,"sentiment":"positive","sentiment_score":0.4778737425804138},{"text":"The last thing I just wanna touch base on here with you, Lisa, is that having a bit of a look at your portfolio, your risk level. So you are in a growth portfolio, which generally sees about 80% of your super invested in growth assets with things like Australian super oh, sorry. Australian shares, international shares, listed property, and commodities, like some gold and silver. This sort of a portfolio, you are taking a bit more risk in the market to obtain or potentially get those greater returns, and you would still see about 20% in those defensive investments of things like cash, bonds, and fixed interest. This sort of a portfolio generally suits someone who has about six years before they're wanting to access their super. So given your age and stage, it does fit you still. Are you fairly comfortable with that level of exposure? Did you wanna look at altering that at the moment? Or I think at this point in time, I'm I'm I'm pretty comfortable. Yeah. But, yeah, like I said, if something definitely changes, I will definitely ring back and go, Yeah.","start_word":4432,"end_word":4620,"sentiment":"neutral","sentiment_score":0.09390562666313988},{"text":"no. We really need to review this because it it's not looking good.","start_word":4621,"end_word":4633,"sentiment":"negative","sentiment_score":-0.4019007682800293},{"text":"Yeah. Absolutely. Yeah. No. That's Yes. okay. But but at the moment, I'm I'm more comfortable around the growth portfolio. I have been Yeah. in growth portfolios Yeah. before, so I am sort of aware. I sort of don't put all my eggs in one bucket if you like. Yeah. No. That's perfect. And that's why we do have that mix of the growth investments as well as the defensive asset allocation for you as well. So you are spreading the risk level there, having some of those growth investments to try and obtain greater potential returns, but also having some defensive investments to sort of fall back on in downtime. Yes. Defensive investments are good for income producing, but we also do have in your portfolio there a bit of physical gold, which is an alternative investment and tends to work both ways.","start_word":4634,"end_word":4777,"sentiment":"neutral","sentiment_score":0.06502894312143326},{"text":"So it Yep. is quite good to have that level of exposure there.","start_word":4778,"end_word":4790,"sentiment":"positive","sentiment_score":0.3857259154319763},{"text":"I did just wanted to quickly ask three questions just to kinda gauge whether there is any changes to the risk level as well when we are looking at that estimate product. Sure. Do you know when you're sort of hoping to realistically be able to access Super when your retirement age was that you would would really like? Probably, I would I think, currently, 65. Mhmm. I could be wrong, but I'm I'm sort of working around the 65 years Okay. of age of try trying to access. Yep. Because I do have some shares stashed away that I actually Okay. can sell Okay. if I get really desperate. So I I do have that income to fall back on as well. Yeah.","start_word":4791,"end_word":4914,"sentiment":"neutral","sentiment_score":0.05785447487141937},{"text":"Perfect.","start_word":4915,"end_word":4915,"sentiment":"positive","sentiment_score":0.407647967338562},{"text":"But, yeah, ultimately, round about 65, I would like to basically Would like to go, access. you know what? I'm really Yep. done with work. I just wanna plot around and Yep. go and travel and and do some stuff while I'm Perfect. still virtually young and able to do that. Absolutely. Yeah. And No. my That's perfect. and my and my kids would be a little bit older as well and more Yeah. self sustained. Yeah.","start_word":4916,"end_word":4992,"sentiment":"neutral","sentiment_score":0.16469012200832367},{"text":"Perfect. Well, I can give you some good news. And whilst you can have 65, it's absolutely fine.","start_word":4993,"end_word":5010,"sentiment":"positive","sentiment_score":0.4641935527324677},{"text":"At the age of 65, regardless of whether you're working or not, your super is made unrestricted nonpreserved. So you can access those funds regardless of whether you're working or not at 65. If you decide Okay. earlier that you don't wish to work beyond the age of 60, 60, so long as you fully retire, is the age you can also access your super. So if you decide at 60 you're done, you're you're ready and you're out, you don't wanna work anymore, you also have that option there as well. Okay? Okay. Perfect. The next one here is asking about are you comfortable taking on a higher level of risk in order to get those greater potential returns, or do you consider yourself more moderate, medium, or do you think you're not wanting to take on much risk at all to get the best returns you possibly can? How would you sort of rate yourself there? Sorry. Can you repeat that one? That's okay. Do you consider yourself happy to take on a higher level of risk to get greater potential returns? Do you consider yourself comfortable taking on a moderate or medium amount of risk to get the best returns you can or next to no risk to get the best returns possible? Probably, like, moderate to medium Yep. risk. Yep.","start_word":5011,"end_word":5234,"sentiment":"neutral","sentiment_score":-0.007650687991242323},{"text":"Perfect. Excellent.","start_word":5235,"end_word":5236,"sentiment":"positive","sentiment_score":0.5762938261032104},{"text":"And the last one here is have you ever considered taking out a loan to invest in shares or manage funds or you would not wanna borrow for for that sort of investing at all. No. I don't wanna borrow money to take out loans or investment type things. I would Okay. rather do that paying Yep. cash. Yep. The only thing that I've done recently is gone as a guarantor signature for my son to buy another car, but Okay. that's as far as a risk that I'm willing to take. No. Of course. And it will actually depend on the amount, obviously. Yes. Yes. But, yeah, I definitely would not borrow to invest in money and stuff like that. No. That's okay. And when you look at your own lending side of things, is this your main primary residence that you've borrowed for in the past? No. I borrowed for the house, which is fully paid off for mine. I Yep. borrowed for a car, which is fully paid off for mine. Yep. And now my son's borrowed, but that's about it. So Yeah. Okay. given my age, I'm trying to reduce as much debt as I have against my name Yeah. so that I am comfortable. And the money that I do make, I'm not paying back every investor rather than actually just covering the day to day Yeah. expenses because it's Yeah. gonna get quite expensive very shortly, and I Yeah. I need to be able to cover that without any major debt Yep. over my head. Yep. No.","start_word":5237,"end_word":5499,"sentiment":"neutral","sentiment_score":-0.03040129691362381},{"text":"Perfect. That's fantastic. Excellent.","start_word":5500,"end_word":5503,"sentiment":"positive","sentiment_score":0.45973655581474304},{"text":"And I've just got one more question here with regard to that. Thinking about your super balance at the moment, if you saw a fall over the next six months due to what was happening externally in the market, how do you think you're feeling about that? Are you feeling optimistic about the potential investment opportunities? Are you a bit cautious, concerned, or are you feeling a bit anxious? No. I'm I'm pretty comfortable given where it's Yeah. at at the moment. And given my age, like I said, at the same age, Yeah. I actually have more in my super than my husband did, which was really surprising considering he's aged my age because he Yeah. obviously hit it a lot sooner than I have been older, but I'm now what I'm classed as and I and I hate to say this terminology, but I'm really on borrowed time to where he is. Okay. So I've actually exceeded his age Yes. when he died. So I consider myself on borrowed time. Any any years that I get post his death age is borrowed Yep. time for me. So, Uh-huh. Yeah. You do you find yourself appreciating that time a lot more because of that? yeah. Yeah. I've looked at life differently. I don't sweat Yeah. the small stuff anymore. It's like I said, it's about Beautiful. setting myself and my kids up for the long haul. Yeah. Yeah. And I've actually had these conversations with my kids saying, unless I set you up, you are not gonna get into the housing market. It's just Yeah. gonna be that unrealistic for you guys to even try and own your own home. Oh, absolutely. My kids are 19 and 20, and I understand exactly. It's very difficult out there, and we've had the same conversations. They will need Yeah. my help moving forward. So yeah. Yeah. So, yeah, like I said to my kids, I'm I'm not picking them out anytime soon. If they wanna stay, you know, into their thirties or maybe forties, Happy for that. The house is big enough. They're not gonna tread on my toes, and I'm not gonna tread on this. Yeah. So yes. So and and I actually brought my house as an investment. So if anything happens, Yep. they they could sell it. Yeah.","start_word":5504,"end_word":5893,"sentiment":"neutral","sentiment_score":-0.013103222388487596},{"text":"Perfect.","start_word":5894,"end_word":5894,"sentiment":"positive","sentiment_score":0.3596463203430176},{"text":"No.","start_word":5895,"end_word":5895,"sentiment":"neutral","sentiment_score":0.13478107750415802},{"text":"Excellent. Fantastic. Well, I've got basically everything I needed to go back and have a really good look. I've got an understanding of where you're after with those questions there. You have still scored in that growth portfolio range. So happy to kinda keep you there for a bit longer given your age and stage and where you're up to. So we'll go back and do a bit of research there for you, have a look at everything that's going on, and update the advice strategy.","start_word":5896,"end_word":5981,"sentiment":"positive","sentiment_score":0.5584277067073556},{"text":"If in the meantime, something happens or changes that you need to let us know about, feel free to give us a call. And if you do have any additional questions and you wanna be booked back in with me, please give us a call, let us know, and the team will book you in for the first available appointment with myself. Okay?","start_word":5982,"end_word":6044,"sentiment":"neutral","sentiment_score":0.2055700272321701},{"text":"Cool. No problems. So, Hansi, thank you for taking my call, Lisa.","start_word":6045,"end_word":6056,"sentiment":"positive","sentiment_score":0.5912587642669678},{"text":"Is there anything else that you think it might be important to sort of touch base on, or do you have any other questions for me at the moment? And I'll ask you everything under the sun. Not not really. I I like I said, I am pretty comfortable where I am financially at the moment.","start_word":6057,"end_word":6112,"sentiment":"neutral","sentiment_score":0.14259228110313416},{"text":"Beautiful.","start_word":6113,"end_word":6113,"sentiment":"positive","sentiment_score":0.535089373588562},{"text":"And out of my family, I'm probably the only one that's really set myself up properly by having these conversations and looking Yeah. Yep. at my not only my super, but I go quite with the policies that I have outside, like my health fund and stuff like that. I actually Yeah. do review them quite regularly Oh, it's good. purely to Yeah.","start_word":6114,"end_word":6176,"sentiment":"neutral","sentiment_score":0.18261535465717316},{"text":"get the best deal for my family and my needs at the time.","start_word":6177,"end_word":6189,"sentiment":"positive","sentiment_score":0.3542204797267914},{"text":"Yep. Yep. So yeah.","start_word":6190,"end_word":6193,"sentiment":"neutral","sentiment_score":0.21122397482395172},{"text":"So I'm feeling pretty comfortable where I am.","start_word":6194,"end_word":6201,"sentiment":"positive","sentiment_score":0.48623397946357727},{"text":"And if yeah. Like I said, if anything major changes, I would definitely book in. Yeah. Or if, you know, once this redundancy does happen and, you know, things don't go my way and I can't get what my growth income is at the moment or anywhere near that, then I will Mhmm. definitely give you a callback because it's got an Yeah. impact on my super going forward. Absolutely. No. Definitely.","start_word":6202,"end_word":6273,"sentiment":"neutral","sentiment_score":0.06928164511919022},{"text":"Well, thank you so much for that. I'll let you go so you have a good afternoon. Hopefully, the day isn't as hectic as the morning has been there for you, and I'll get working on this research there for you as well.","start_word":6274,"end_word":6316,"sentiment":"positive","sentiment_score":0.6004589796066284},{"text":"Yeah. Looking looking at my work plan, I'm not very optimistic it's gonna get better. Oh, well But the good thing is, you know, very shortly, it's not gonna be my problem. So yeah.","start_word":6317,"end_word":6350,"sentiment":"neutral","sentiment_score":0.013364165090024471},{"text":"Absolutely. Perfect. Well, while you're working your butt off there, I'll work mine off here, and we'll get that research completed for you. No problem. Thank you very much, Dana. That's okay, Lisa. Thank you for your time this morning. I hope you have a good day. Talk to you soon. You too. Thank Bye. you. See you later.","start_word":6351,"end_word":6409,"sentiment":"positive","sentiment_score":0.5248874425888062}],"average":{"sentiment":"neutral","sentiment_score":0.0736600961795419}}}}