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I had you scheduled in for a bit of a catch up to talk about some of your super investments and potentially a self managed super fund. Does that ring a bell? Perfect. So when you spoke to one of our advisers, Kyle, a few months ago, he put in a bit of a scheduled catch up just to discuss one of the investments inside your super fund just to sort of see how it's going, whether it was kind of bouncing back or not. Does that ring a bell? Cool. And did you have any interest in terms of looking at the self managed super fund side of things just so I've got it correct? No. That's okay. It's not something that I was kind of wanting to dive into with you unless it was something that you broached. And just because we've got this new system, I was checking the the way the data came across, and I was like, it mentioned super investments and self managed. I just wanted to double check with you. Perfect. Because I was gonna actually say we should probably hold off on that given all the legislation changes and all the explosions going on in the country economically. So I'm glad we're on the same page so quickly. Perfect. So when it comes to the the super funds, do you tend to log in and keep an eye on how it's going? Like, how frequently would you check your account? Okay. So that's okay. So that's not fun for me because I love when clients have a bit of an access, not excessive every day panicking about your super fund for thirty years, but just every now and then being able to, you know, have a little look so you see how it's going, and just make sure that you're comfortable with how it behaves if that's of interest. So I know you've probably already heard someone say, I'll sort this out for you and put in a task and but I'm gonna make sure that I'm gonna send a password reset email from your login, which I can do. And the tip that I will give you is Hub twenty four is one of the most technological super platforms, and they've got the most investment options in the country, but their app's not as good as their website for your type of login. So once we do get it sorted for you, if you can just go on, like, a computer or or just a website on the phone, tends to be a bit easier access to look at the dashboards and the reports than the app does. Okay? Outside of that, so I've been having a little bit of a look at your funds, and it was right for for Kyle to kind of flag that investment option because you've got a portfolio of eight different investments between shares and property and gold. And when every single option is doing amazing and you're getting all these great returns, but then one of them is kind of dragging you down a bit, we need to keep an eye on that because what tends to happen is if there's five options out there that invest in Australian shares and you're in the one that's kind of going sideways and the other four are just kind of neck and neck racing each other, you kind of wanna be back with the pack, if that makes sense. Now this option that I'm looking at so overall, YourSuper has been doing really good. We had a bit of a drop in March because of the the war that broke out, fuel crisis. It went down to from a 153,000 down to 141. So that was 12,000 down in the span of a month. Then it jumped straight back up $14,000 to a 155, and it's kind of bounced back to where it was. But on the flip side to that, that one option has still been down kind of double digits, whereas most of the other options in the same space, they've slowly started going back to normal like the rest of your portfolio. Does that sort of make sense to to begin with? Yep. So one of the things that I was kind of thinking at the moment is we've been discussing this internally with the entire advice team, our investment committee, and our licensee. And just with this in particular, normally, options kind of jostle for position, where one year, they're third, next year, they're first, and they kind of all compete pretty neck and neck. This one in particular has kind of been dropping out of the race for quite a while now, and it's probably the first time in my career I've seen an option where I don't think it has any chance of bouncing back into the main group, if that makes sense. So if you're comfortable with it, I would like to just do a bit of an engine tune up on the portfolio and get you a bit of a replacement for those Australian shares. K? I do have one question for you. There is no wrong answer to this. It's just that Hub's got 1,300 options, and I just need a bit of guidance in your gut feeling to kind of shortlist it, if that makes sense. And the question is, we can pick between low fee investments, passive that follows the market up and down, or then you have higher fee investments where a fund manager tries to pick and choose stocks to get you a better return. Which way would you kind of lean personally? Yep. No. That's fair. So the style that you're currently in is a bit of blend of both. I can keep it in the same style, and I can replace it like for like. No problems at all. Perfect. So what I'm gonna do, if it's okay with you, is we've got a couple of options we've been shortlisting since your conversation with Kyle. I'm gonna just do a bit of a comparison and research, get you booked in in a few weeks' time just to send you that document so you can see what we're gonna change just to make sure you're comfortable. Cool. Awesome, Nikki. Do you have any questions for me so far? Amazing. So just as a bit of a heads up, I'm about to go on a couple of weeks of leave because I've got third baby due on the June 11. So I will be back around July or sorry. The end of June to go through that with you. Perfect. Do you have any other questions for me so far? Amazing. Now last question for me is, has there been any major changes in your circumstances, anything of note in terms of financial assets, occupation, income with the cost of living, and everything like that? Yep. The end of next month. Okay. So what I might do is we'll go through that portfolio update together towards a week just before then. And then if you've got an idea on the finalization of it, I can just add those details onto your file. Amazing. That's all I really needed for today just to make sure that I could get in touch and and get this fixed up for you and just keep an ear out in a few weeks' time. Awesome. Thank you so much, Nikki. I'll talk to you again soon. Thank you. 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afternoon, Nikki. Tommy here, senior adviser. How are you going? I'm doing fantastic. Thank you so much for calling back in.\n\nI had you scheduled in for a bit of a catch up to talk about some of your super investments and potentially a self managed super fund. Does that ring a bell? Perfect. So when you spoke to one of our advisers, Kyle, a few months ago, he put in a bit of a scheduled catch up just to discuss one of the investments inside your super fund just to sort of see how it's going, whether it was kind of bouncing back or not. Does that ring a bell?\n\nCool. And did you have any interest in terms of looking at the self managed super fund side of things just so I've got it correct? No. That's okay. It's not something that I was kind of wanting to dive into with you unless it was something that you broached.\n\nAnd just because we've got this new system, I was checking the the way the data came across, and I was like, it mentioned super investments and self managed. I just wanted to double check with you. Perfect. Because I was gonna actually say we should probably hold off on that given all the legislation changes and all the explosions going on in the country economically. So I'm glad we're on the same page so quickly.\n\nPerfect. So when it comes to the the super funds, do you tend to log in and keep an eye on how it's going? Like, how frequently would you check your account? Okay. So that's okay.\n\nSo that's not fun for me because I love when clients have a bit of an access, not excessive every day panicking about your super fund for thirty years, but just every now and then being able to, you know, have a little look so you see how it's going, and just make sure that you're comfortable with how it behaves if that's of interest. So I know you've probably already heard someone say, I'll sort this out for you and put in a task and but I'm gonna make sure that I'm gonna send a password reset email from your login, which I can do. And the tip that I will give you is Hub twenty four is one of the most technological super platforms, and they've got the most investment options in the country, but their app's not as good as their website for your type of login. So once we do get it sorted for you, if you can just go on, like, a computer or or just a website on the phone, tends to be a bit easier access to look at the dashboards and the reports than the app does. Okay?\n\nOutside of that, so I've been having a little bit of a look at your funds, and it was right for for Kyle to kind of flag that investment option because you've got a portfolio of eight different investments between shares and property and gold. And when every single option is doing amazing and you're getting all these great returns, but then one of them is kind of dragging you down a bit, we need to keep an eye on that because what tends to happen is if there's five options out there that invest in Australian shares and you're in the one that's kind of going sideways and the other four are just kind of neck and neck racing each other, you kind of wanna be back with the pack, if that makes sense. Now this option that I'm looking at so overall, YourSuper has been doing really good. We had a bit of a drop in March because of the the war that broke out, fuel crisis. It went down to from a 153,000 down to 141.\n\nSo that was 12,000 down in the span of a month. Then it jumped straight back up $14,000 to a 155, and it's kind of bounced back to where it was. But on the flip side to that, that one option has still been down kind of double digits, whereas most of the other options in the same space, they've slowly started going back to normal like the rest of your portfolio. Does that sort of make sense to to begin with? Yep.\n\nSo one of the things that I was kind of thinking at the moment is we've been discussing this internally with the entire advice team, our investment committee, and our licensee. And just with this in particular, normally, options kind of jostle for position, where one year, they're third, next year, they're first, and they kind of all compete pretty neck and neck. This one in particular has kind of been dropping out of the race for quite a while now, and it's probably the first time in my career I've seen an option where I don't think it has any chance of bouncing back into the main group, if that makes sense. So if you're comfortable with it, I would like to just do a bit of an engine tune up on the portfolio and get you a bit of a replacement for those Australian shares. K?\n\nI do have one question for you. There is no wrong answer to this. It's just that Hub's got 1,300 options, and I just need a bit of guidance in your gut feeling to kind of shortlist it, if that makes sense. And the question is, we can pick between low fee investments, passive that follows the market up and down, or then you have higher fee investments where a fund manager tries to pick and choose stocks to get you a better return. Which way would you kind of lean personally?\n\nYep. No. That's fair. So the style that you're currently in is a bit of blend of both. I can keep it in the same style, and I can replace it like for like.\n\nNo problems at all. Perfect. So what I'm gonna do, if it's okay with you, is we've got a couple of options we've been shortlisting since your conversation with Kyle. I'm gonna just do a bit of a comparison and research, get you booked in in a few weeks' time just to send you that document so you can see what we're gonna change just to make sure you're comfortable. Cool.\n\nAwesome, Nikki. Do you have any questions for me so far? Amazing. So just as a bit of a heads up, I'm about to go on a couple of weeks of leave because I've got third baby due on the June 11. So I will be back around July or sorry.\n\nThe end of June to go through that with you. Perfect. Do you have any other questions for me so far? Amazing. Now last question for me is, has there been any major changes in your circumstances, anything of note in terms of financial assets, occupation, income with the cost of living, and everything like that?\n\nYep. The end of next month. Okay. So what I might do is we'll go through that portfolio update together towards a week just before then. And then if you've got an idea on the finalization of it, I can just add those details onto your file.\n\nAmazing. That's all I really needed for today just to make sure that I could get in touch and and get this fixed up for you and just keep an ear out in a few weeks' time. Awesome. Thank you so much, Nikki. I'll talk to you again soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Nikki.","start":1.5999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.3273451526959737},{"text":"Tommy here, senior adviser.","start":2.6399999,"end":4.08,"sentiment":"neutral","sentiment_score":0.2127615064382553},{"text":"How are you going?","start":4.08,"end":5.14,"sentiment":"neutral","sentiment_score":0.21191248670220375},{"text":"I'm doing fantastic.","start":7.44,"end":8.5,"sentiment":"positive","sentiment_score":0.6868139505386353},{"text":"Thank you so much for calling back in.","start":8.559999,"end":10.34,"sentiment":"positive","sentiment_score":0.6406003385782242}],"sentiment":"positive","sentiment_score":0.44845345413142984,"num_words":22,"start":1.5999999,"end":10.34},{"sentences":[{"text":"I had you scheduled in for a bit of a catch up to talk about some of your super investments and potentially a self managed super fund.","start":12.24,"end":19.215,"sentiment":"neutral","sentiment_score":0.05586654844659346},{"text":"Does that ring a bell?","start":19.215,"end":20.355,"sentiment":"neutral","sentiment_score":0.006231963634490967},{"text":"Perfect.","start":25.055,"end":25.455,"sentiment":"positive","sentiment_score":0.37463438510894775},{"text":"So when you spoke to one of our advisers, Kyle, a few months ago, he put in a bit of a scheduled catch up just to discuss one of the investments inside your super fund just to sort of see how it's going, whether it was kind of bouncing back or not.","start":25.455,"end":39.55,"sentiment":"neutral","sentiment_score":0.0719059078166118},{"text":"Does that ring a bell?","start":39.55,"end":40.61,"sentiment":"neutral","sentiment_score":0.004566575028002262}],"sentiment":"neutral","sentiment_score":0.06306812325492502,"num_words":90,"start":12.24,"end":40.61},{"sentences":[{"text":"Cool.","start":42.125,"end":42.524998,"sentiment":"neutral","sentiment_score":0.18833959102630615},{"text":"And did you have any interest in terms of looking at the self managed super fund side of things just so I've got it correct?","start":42.524998,"end":49.745,"sentiment":"neutral","sentiment_score":0.0607967733591795},{"text":"No.","start":58.54,"end":58.7,"sentiment":"neutral","sentiment_score":-0.1864473819732666},{"text":"That's okay.","start":58.7,"end":59.18,"sentiment":"neutral","sentiment_score":-0.13535211980342865},{"text":"It's not something that I was kind of wanting to dive into with you unless it was something that you broached.","start":59.18,"end":63.920002,"sentiment":"neutral","sentiment_score":-0.15959922898383366}],"sentiment":"neutral","sentiment_score":-0.04200953010469675,"num_words":50,"start":42.125,"end":63.920002},{"sentences":[{"text":"And just because we've got this new system, I was checking the the way the data came across, and I was like, it mentioned super investments and self managed.","start":64.14,"end":71.475006,"sentiment":"neutral","sentiment_score":-0.03272769690073769},{"text":"I just wanted to double check with you.","start":71.475006,"end":73.255005,"sentiment":"neutral","sentiment_score":-0.01653407420963049},{"text":"Perfect.","start":78.515,"end":78.915,"sentiment":"neutral","sentiment_score":0.229713037610054},{"text":"Because I was gonna actually say we should probably hold off on that given all the legislation changes and all the explosions going on in the country economically.","start":78.915,"end":86.39,"sentiment":"neutral","sentiment_score":0.06474424073738712},{"text":"So I'm glad we're on the same page so quickly.","start":86.61,"end":89.03,"sentiment":"positive","sentiment_score":0.4631810516119003}],"sentiment":"neutral","sentiment_score":0.07359192750759815,"num_words":76,"start":64.14,"end":89.03},{"sentences":[{"text":"Perfect.","start":90.93,"end":91.33,"sentiment":"neutral","sentiment_score":0.2673795223236084},{"text":"So when it comes to the the super funds, do you tend to log in and keep an eye on how it's going?","start":91.33,"end":98.37,"sentiment":"neutral","sentiment_score":0.043802940246203674},{"text":"Like, how frequently would you check your account?","start":98.37,"end":100.47,"sentiment":"neutral","sentiment_score":-0.003327044425532222},{"text":"Okay.","start":111.875,"end":112.375,"sentiment":"neutral","sentiment_score":-0.13532599806785583},{"text":"So that's okay.","start":112.515,"end":115.689995,"sentiment":"neutral","sentiment_score":-0.260181725025177}],"sentiment":"neutral","sentiment_score":0.009232211651073562,"num_words":36,"start":90.93,"end":115.689995},{"sentences":[{"text":"So that's not fun for me because I love when clients have a bit of an access, not excessive every day panicking about your super fund for thirty years, but just every now and then being able to, you know, have a little look so you see how it's going, and just make sure that you're comfortable with how it behaves if that's of interest.","start":115.75,"end":134.195,"sentiment":"neutral","sentiment_score":0.06929228557990147},{"text":"So I know you've probably already heard someone say, I'll sort this out for you and put in a task and but I'm gonna make sure that I'm gonna send a password reset email from your login, which I can do.","start":134.495,"end":146.44,"sentiment":"neutral","sentiment_score":0.09572065421720831},{"text":"And the tip that I will give you is Hub twenty four is one of the most technological super platforms, and they've got the most investment options in the country, but their app's not as good as their website for your type of login.","start":146.74,"end":160.265,"sentiment":"neutral","sentiment_score":-0.04465526422824372},{"text":"So once we do get it sorted for you, if you can just go on, like, a computer or or just a website on the phone, tends to be a bit easier access to look at the dashboards and the reports than the app does.","start":162.245,"end":173.42,"sentiment":"neutral","sentiment_score":0.107294642759694},{"text":"Okay?","start":175.08,"end":175.58,"sentiment":"neutral","sentiment_score":0.03486139327287674}],"sentiment":"neutral","sentiment_score":0.057789969780691425,"num_words":196,"start":115.75,"end":175.58},{"sentences":[{"text":"Outside of that, so I've been having a little bit of a look at your funds, and it was right for for Kyle to kind of flag that investment option because you've got a portfolio of eight different investments between shares and property and gold.","start":176.36,"end":191.565,"sentiment":"neutral","sentiment_score":0.1007529665198591},{"text":"And when every single option is doing amazing and you're getting all these great returns, but then one of them is kind of dragging you down a bit, we need to keep an eye on that because what tends to happen is if there's five options out there that invest in Australian shares and you're in the one that's kind of going sideways and the other four are just kind of neck and neck racing each other, you kind of wanna be back with the pack, if that makes sense.","start":191.705,"end":216.39499,"sentiment":"neutral","sentiment_score":-0.04323842686911424},{"text":"Now this option that I'm looking at so overall, YourSuper has been doing really good.","start":217.97499,"end":222.555,"sentiment":"positive","sentiment_score":0.4144897997379303},{"text":"We had a bit of a drop in March because of the the war that broke out, fuel crisis.","start":222.61499,"end":228.93001,"sentiment":"neutral","sentiment_score":-0.2737059899066624},{"text":"It went down to from a 153,000 down to 141.","start":229.15001,"end":236.29001,"sentiment":"neutral","sentiment_score":-0.1762610763311386}],"sentiment":"neutral","sentiment_score":-0.0005768296105901623,"num_words":179,"start":176.36,"end":236.29001},{"sentences":[{"text":"So that was 12,000 down in the span of a month.","start":236.475,"end":240.49501,"sentiment":"neutral","sentiment_score":-0.09648374874483455},{"text":"Then it jumped straight back up $14,000 to a 155, and it's kind of bounced back to where it was.","start":240.71501,"end":246.895,"sentiment":"neutral","sentiment_score":-0.12736126203089954},{"text":"But on the flip side to that, that one option has still been down kind of double digits, whereas most of the other options in the same space, they've slowly started going back to normal like the rest of your portfolio.","start":248.79501,"end":261.8,"sentiment":"neutral","sentiment_score":-0.10759925406153609},{"text":"Does that sort of make sense to to begin with?","start":264.035,"end":266.45502,"sentiment":"neutral","sentiment_score":0.004985172674059868},{"text":"Yep.","start":267.875,"end":268.375,"sentiment":"neutral","sentiment_score":0.0291624516248703}],"sentiment":"neutral","sentiment_score":-0.0956759242767311,"num_words":83,"start":236.475,"end":268.375},{"sentences":[{"text":"So one of the things that I was kind of thinking at the moment is we've been discussing this internally with the entire advice team, our investment committee, and our licensee.","start":268.43503,"end":277.49503,"sentiment":"neutral","sentiment_score":0.008724578753894856},{"text":"And just with this in particular, normally, options kind of jostle for position, where one year, they're third, next year, they're first, and they kind of all compete pretty neck and neck.","start":278.25,"end":288.75,"sentiment":"neutral","sentiment_score":-0.08409453695639968},{"text":"This one in particular has kind of been dropping out of the race for quite a while now, and it's probably the first time in my career I've seen an option where I don't think it has any chance of bouncing back into the main group, if that makes sense.","start":288.89,"end":303.355,"sentiment":"neutral","sentiment_score":-0.26503308191895486},{"text":"So if you're comfortable with it, I would like to just do a bit of an engine tune up on the portfolio and get you a bit of a replacement for those Australian shares.","start":304.87997,"end":313.3,"sentiment":"neutral","sentiment_score":0.05529135684756672},{"text":"K?","start":315.44,"end":315.84,"sentiment":"neutral","sentiment_score":0.054907552897930145}],"sentiment":"neutral","sentiment_score":-0.09282029494234184,"num_words":148,"start":268.43503,"end":315.84},{"sentences":[{"text":"I do have one question for you.","start":315.84,"end":317.775,"sentiment":"neutral","sentiment_score":0.008699609232800347},{"text":"There is no wrong answer to this.","start":317.85498,"end":320.01498,"sentiment":"neutral","sentiment_score":-0.020318628421851566},{"text":"It's just that Hub's got 1,300 options, and I just need a bit of guidance in your gut feeling to kind of shortlist it, if that makes sense.","start":320.01498,"end":328.195,"sentiment":"neutral","sentiment_score":0.015819392616062293},{"text":"And the question is, we can pick between low fee investments, passive that follows the market up and down, or then you have higher fee investments where a fund manager tries to pick and choose stocks to get you a better return.","start":328.895,"end":344.2,"sentiment":"neutral","sentiment_score":0.056659769045100325},{"text":"Which way would you kind of lean personally?","start":344.885,"end":347.46503,"sentiment":"neutral","sentiment_score":0.040166381979361176}],"sentiment":"neutral","sentiment_score":0.03328968711582053,"num_words":92,"start":315.84,"end":347.46503},{"sentences":[{"text":"Yep.","start":353.845,"end":354.345,"sentiment":"neutral","sentiment_score":-0.016297904774546623},{"text":"No.","start":354.48502,"end":354.725,"sentiment":"neutral","sentiment_score":-0.07304326444864273},{"text":"That's fair.","start":354.725,"end":355.285,"sentiment":"neutral","sentiment_score":-0.03829596843570471},{"text":"So the style that you're currently in is a bit of blend of both.","start":355.285,"end":358.77,"sentiment":"neutral","sentiment_score":0.01317735162696668},{"text":"I can keep it in the same style, and I can replace it like for like.","start":358.84998,"end":362.12997,"sentiment":"neutral","sentiment_score":0.07306831842288375}],"sentiment":"neutral","sentiment_score":0.03493067386614926,"num_words":34,"start":353.845,"end":362.12997},{"sentences":[{"text":"No problems at all.","start":362.12997,"end":363.34998,"sentiment":"neutral","sentiment_score":0.15339360758662224},{"text":"Perfect.","start":365.56998,"end":366.06998,"sentiment":"positive","sentiment_score":0.5795644521713257},{"text":"So what I'm gonna do, if it's okay with you, is we've got a couple of options we've been shortlisting since your conversation with Kyle.","start":366.21,"end":373.03,"sentiment":"neutral","sentiment_score":0.17341890126466752},{"text":"I'm gonna just do a bit of a comparison and research, get you booked in in a few weeks' time just to send you that document so you can see what we're gonna change just to make sure you're comfortable.","start":373.35498,"end":382.335,"sentiment":"neutral","sentiment_score":0.1645568935200572},{"text":"Cool.","start":384.63498,"end":385.13498,"sentiment":"positive","sentiment_score":0.4579766988754273}],"sentiment":"neutral","sentiment_score":0.1770262514621439,"num_words":71,"start":362.12997,"end":385.13498},{"sentences":[{"text":"Awesome, Nikki.","start":385.35498,"end":385.995,"sentiment":"positive","sentiment_score":0.5183198750019073},{"text":"Do you have any questions for me so far?","start":385.995,"end":387.9,"sentiment":"neutral","sentiment_score":0.1692278716299269},{"text":"Amazing.","start":390.3,"end":390.8,"sentiment":"positive","sentiment_score":0.4687538146972656},{"text":"So just as a bit of a heads up, I'm about to go on a couple of weeks of leave because I've got third baby due on the June 11.","start":390.86,"end":400.32,"sentiment":"neutral","sentiment_score":0.08863249632219473},{"text":"So I will be back around July or sorry.","start":400.875,"end":404.575,"sentiment":"neutral","sentiment_score":0.05223239792717828}],"sentiment":"neutral","sentiment_score":0.12073550745844841,"num_words":51,"start":385.35498,"end":404.575},{"sentences":[{"text":"The end of June to go through that with you.","start":404.635,"end":406.815,"sentiment":"neutral","sentiment_score":0.07517235875129699},{"text":"Perfect.","start":409.515,"end":410.015,"sentiment":"positive","sentiment_score":0.3770500123500824},{"text":"Do you have any other questions for me so far?","start":410.475,"end":412.495,"sentiment":"neutral","sentiment_score":0.10899507999420166},{"text":"Amazing.","start":414.72998,"end":415.22998,"sentiment":"neutral","sentiment_score":0.30973225831985474},{"text":"Now last question for me is, has there been any major changes in your circumstances, anything of note in terms of financial assets, occupation, income with the cost of living, and everything like that?","start":415.29,"end":428.595,"sentiment":"neutral","sentiment_score":-0.0033895745599532828}],"sentiment":"neutral","sentiment_score":0.043093055769402,"num_words":56,"start":404.635,"end":428.595},{"sentences":[{"text":"Yep.","start":439.395,"end":439.715,"sentiment":"neutral","sentiment_score":0.013746502809226511},{"text":"The end of next month.","start":439.715,"end":440.995,"sentiment":"neutral","sentiment_score":0.0018056003376841546},{"text":"Okay.","start":440.995,"end":441.315,"sentiment":"neutral","sentiment_score":0.03856556490063667},{"text":"So what I might do is we'll go through that portfolio update together towards a week just before then.","start":441.315,"end":447.85,"sentiment":"neutral","sentiment_score":0.0674755665424623},{"text":"And then if you've got an idea on the finalization of it, I can just add those details onto your file.","start":447.85,"end":453.94998,"sentiment":"neutral","sentiment_score":0.1098466096889405}],"sentiment":"neutral","sentiment_score":0.07766286462069825,"num_words":47,"start":439.395,"end":453.94998},{"sentences":[{"text":"Amazing.","start":456.345,"end":456.845,"sentiment":"positive","sentiment_score":0.5133047103881836},{"text":"That's all I really needed for today just to make sure that I could get in touch and and get this fixed up for you and just keep an ear out in a few weeks' time.","start":457.14502,"end":465.54288,"sentiment":"positive","sentiment_score":0.4146851458483272},{"text":"Awesome.","start":467.62286,"end":468.0229,"sentiment":"neutral","sentiment_score":0.2161717712879181},{"text":"Thank you so much, Nikki.","start":468.0229,"end":468.98288,"sentiment":"positive","sentiment_score":0.8421141386032105},{"text":"I'll talk to you again soon.","start":468.98288,"end":470.20288,"sentiment":"positive","sentiment_score":0.5368099212646484}],"sentiment":"positive","sentiment_score":0.4712157541391801,"num_words":49,"start":456.345,"end":470.20288},{"sentences":[{"text":"Thank you.","start":471.62286,"end":472.1829,"sentiment":"positive","sentiment_score":0.6202510595321655},{"text":"Bye.","start":472.1829,"end":472.6829,"sentiment":"neutral","sentiment_score":-0.11400678753852844}],"sentiment":"positive","sentiment_score":0.3754984438419342,"num_words":3,"start":471.62286,"end":472.6829}]}}]},{"alternatives":[{"transcript":"Good. Thanks. How are you? No. You're fine. Yeah. One of the ladies reached out to me. Yep. Yep. Yep. Yeah. Correct. Yep. I don't remember speaking about that. I don't think that's something that I've probably I don't know how much is involved in that. But yeah. Yep. Yep. No. All good. I'm happy to not do self managed at the moment. Yeah. Yep. Yep. So I haven't been able to get into my account for about two years. And then every time I do a call with someone, I tell them and they say, I'll get somebody to reach out to you, and then nobody sorts it out. So I never. Yes. Yep. Yeah. Yep. Yep. Okay. Yep. Yep. And do it. Yep. Okay. Yep. Yep. Yep. Yes. Yes. Yep. Yes. Yes. Yeah. Yep. Yep. Yep. Yeah. That's fine. Yep. Listen. I'm just not a decision maker, so I normally just would go off your guidance, really. Yep. Yep. Yep. Yes. That's fine. No. That's all good. Yeah. No. That's no issue at all. No. No. That's all good. That's all the same at the moment, except I did purchase a investment property that will settle at the end of next month. Yep. Yep. Sure. Yep. Okay. Awesome. Thank you. Alright. See you. 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all good.","start":388.695,"end":389.675,"sentiment":"neutral","sentiment_score":0.2674095133940379},{"text":"Yeah.","start":407.175,"end":407.415,"sentiment":"neutral","sentiment_score":0.068961001932621},{"text":"No.","start":407.415,"end":407.575,"sentiment":"neutral","sentiment_score":0.09560177475214005},{"text":"That's no issue at all.","start":407.575,"end":409.035,"sentiment":"neutral","sentiment_score":0.15304368436336518}],"sentiment":"neutral","sentiment_score":0.16247079182754864,"num_words":11,"start":388.455,"end":409.035},{"sentences":[{"text":"No.","start":413.01498,"end":413.255,"sentiment":"neutral","sentiment_score":0.014347270131111143},{"text":"No.","start":413.255,"end":413.575,"sentiment":"neutral","sentiment_score":0.04476381465792656},{"text":"That's all good.","start":413.575,"end":414.555,"sentiment":"neutral","sentiment_score":0.20546156664689383},{"text":"That's all the same at the moment, except I did purchase a investment property that will settle at the end of next month.","start":428.2,"end":438.905,"sentiment":"neutral","sentiment_score":-0.011762380518991014},{"text":"Yep.","start":441.76498,"end":442.26498,"sentiment":"neutral","sentiment_score":0.058910101652145386}],"sentiment":"neutral","sentiment_score":0.01599555636017487,"num_words":29,"start":413.01498,"end":442.26498},{"sentences":[{"text":"Yep.","start":445.925,"end":446.425,"sentiment":"neutral","sentiment_score":0.06496550142765045},{"text":"Sure.","start":454.52,"end":455.0,"sentiment":"neutral","sentiment_score":0.17619088292121887},{"text":"Yep.","start":455.0,"end":455.5,"sentiment":"neutral","sentiment_score":0.2545953691005707},{"text":"Okay.","start":466.105,"end":466.605,"sentiment":"neutral","sentiment_score":0.23942165076732635},{"text":"Awesome.","start":466.665,"end":467.165,"sentiment":"positive","sentiment_score":0.4825761318206787}],"sentiment":"neutral","sentiment_score":0.243549907207489,"num_words":5,"start":445.925,"end":467.165},{"sentences":[{"text":"Thank you.","start":468.905,"end":469.645,"sentiment":"positive","sentiment_score":0.7198134958744049},{"text":"Alright.","start":470.425,"end":470.825,"sentiment":"positive","sentiment_score":0.34901151061058044},{"text":"See you.","start":470.825,"end":471.305,"sentiment":"positive","sentiment_score":0.4634628891944885},{"text":"Bye.","start":471.305,"end":471.805,"sentiment":"neutral","sentiment_score":0.2953154742717743}],"sentiment":"positive","sentiment_score":0.5018132925033569,"num_words":6,"start":468.905,"end":471.805}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Nikki. Tommy here, senior adviser. How are you going?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. Thank you so much for calling back in.\n\nChannel 1: No. You're fine.\n\nChannel 0: I had you scheduled in for a bit of a catch up to talk about some of your super investments and potentially a self managed super fund. Does that ring a bell?\n\nChannel 1: Yeah. One of the ladies reached out to me.\n\nChannel 0: Perfect. So when you spoke to one of our advisers, Kyle, a few months ago, he put in a bit of a scheduled catch up just to discuss one of the investments inside your super fund just to sort of see how\n\nChannel 1: Yep.\n\nChannel 0: it's going, whether it\n\nChannel 1: Yep.\n\nChannel 0: was kind of bouncing back or not. Does that ring a bell?\n\nChannel 1: Yep. Yeah. Correct. Yep.\n\nChannel 0: Cool. And did you have any interest in terms of looking at the self managed super fund side of things just so I've got it correct?\n\nChannel 1: I don't remember speaking about that. I don't think that's something that I've probably I don't know how much is involved in that. But\n\nChannel 0: No. That's okay. It's not something that I was\n\nChannel 1: yeah.\n\nChannel 0: kind of wanting to dive into with you unless it was something that you broached. And just because we've got this new system, I was checking the the way the data came across, and I was like,\n\nChannel 1: Yep.\n\nChannel 0: it mentioned super investments and self managed. I just wanted to double check\n\nChannel 1: Yep.\n\nChannel 0: with you.\n\nChannel 1: No. All good. I'm happy to not do self managed at the moment.\n\nChannel 0: Perfect. Because I was gonna actually say we should probably hold off on that given all the\n\nChannel 1: Yeah.\n\nChannel 0: legislation changes and all the explosions going on in the country economically. So I'm glad we're on the same page so quickly.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. So when it comes to the the super funds, do you tend to log in and keep an eye on how it's going? Like, how frequently would you check your account?\n\nChannel 1: So I haven't been able to get into my account for about two years. And then every time I do a call with someone, I tell them and they say, I'll get somebody to reach out to you, and then nobody sorts it out. So\n\nChannel 0: Okay. So\n\nChannel 1: I never.\n\nChannel 0: that's okay. So that's not fun for me because I love when clients have a bit of an access, not excessive every\n\nChannel 1: Yes.\n\nChannel 0: day panicking about your super fund for thirty years, but just every now and then being able to, you know, have a little look so you see how it's going, and just make sure that you're comfortable with how it behaves if that's\n\nChannel 1: Yep.\n\nChannel 0: of interest. So I know you've probably already heard someone say, I'll sort this out for you and put\n\nChannel 1: Yeah.\n\nChannel 0: in a task and but I'm gonna make sure that I'm gonna send a password reset email from your login,\n\nChannel 1: Yep.\n\nChannel 0: which I can do. And the tip that I will give you is Hub twenty four is one of the most technological super platforms, and they've got the most\n\nChannel 1: Yep.\n\nChannel 0: investment options in the country, but their app's not as good as their website for your type of login.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So once we do get it sorted for you, if you can just go on, like, a computer or or just a website on the phone,\n\nChannel 1: Yep.\n\nChannel 0: tends to be\n\nChannel 1: And\n\nChannel 0: a bit\n\nChannel 1: do it.\n\nChannel 0: easier access\n\nChannel 1: Yep.\n\nChannel 0: to look at the dashboards and the reports than the app does.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Outside of that, so I've been having a little bit of a look at your funds, and it was right for for Kyle to kind of flag that investment option because you've got a portfolio of eight different investments between shares\n\nChannel 1: Yep.\n\nChannel 0: and property and gold. And when every single option is doing amazing and you're getting all these great returns, but then one of them is kind of dragging\n\nChannel 1: Yep.\n\nChannel 0: you down a bit, we need to keep an eye on that because what tends to happen is if there's five options out there that invest in Australian shares and you're in the one that's kind of going sideways and the other four are just kind of neck and neck racing each other, you kind of wanna be back with the pack, if that makes sense. Now this option that I'm looking at so overall, YourSuper has been doing\n\nChannel 1: Yep.\n\nChannel 0: really good. We had a bit of a drop in March because of the the war that broke out,\n\nChannel 1: Yes.\n\nChannel 0: fuel crisis. It went down to from a 153,000 down to 141. So that was\n\nChannel 1: Yes.\n\nChannel 0: 12,000 down in the span of a month. Then it jumped straight back up $14,000 to a 155, and it's kind of bounced back to where it was.\n\nChannel 1: Yep.\n\nChannel 0: But on the flip side to that, that one option has still been down kind of double digits, whereas most of the\n\nChannel 1: Yes.\n\nChannel 0: other options in the same space, they've slowly started going back to normal like\n\nChannel 1: Yes.\n\nChannel 0: the rest of your portfolio. Does that sort of make sense to to begin\n\nChannel 1: Yeah.\n\nChannel 0: with?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So one of the things that I was kind of thinking at the moment is we've been discussing this internally with the entire advice team, our investment committee, and our licensee. And just with this in particular, normally, options kind of jostle for position, where one year, they're third, next year, they're first, and they kind of all compete pretty neck and neck. This one in particular has kind of been dropping out of the race for quite a while now, and\n\nChannel 1: Yep.\n\nChannel 0: it's probably the first time in my career I've seen an option where I don't think it has any chance of bouncing back into the main group, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So if you're comfortable with it, I would like to just do a bit of an engine tune up on the portfolio and get you a bit of a replacement for those Australian shares.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: K? I do have one question for you. There is no wrong answer to this. It's just that Hub's got 1,300 options, and I just need a bit of guidance in your gut feeling to kind of shortlist it, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: And the question is, we can pick between low fee investments, passive that follows the market up and down, or then you have higher fee investments where a fund manager tries to pick and choose stocks to get you a better return. Which way would you kind of lean personally?\n\nChannel 1: Listen. I'm just not a decision maker, so I normally just would go off your guidance, really.\n\nChannel 0: Yep. No. That's fair. So the style that you're currently in is a bit of blend of both.\n\nChannel 1: Yep.\n\nChannel 0: I can keep it in the\n\nChannel 1: Yep.\n\nChannel 0: same style, and I can replace it like for like. No problems at all.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So what I'm gonna do, if it's okay with you, is we've got a couple of options we've been shortlisting since your conversation with Kyle. I'm gonna just do a bit of a comparison and research, get you booked in in a few weeks' time just to send you that document so you can see what we're gonna change just to make sure you're\n\nChannel 1: Yes.\n\nChannel 0: comfortable.\n\nChannel 1: That's fine.\n\nChannel 0: Cool. Awesome, Nikki. Do you have any questions for me so far?\n\nChannel 1: No. That's all good.\n\nChannel 0: Amazing. So just as a bit of a heads up, I'm about to go on a couple of weeks of leave because I've got third baby due on the June 11. So I will be back around July or sorry. The end of June to go through that with you.\n\nChannel 1: Yeah. No. That's no issue at all.\n\nChannel 0: Perfect. Do you have any other questions for me so far?\n\nChannel 1: No. No. That's all good.\n\nChannel 0: Amazing. Now last question for me is, has there been any major changes in your circumstances, anything of note in terms of financial assets, occupation, income with the cost of living, and everything like that?\n\nChannel 1: That's all the same at the moment, except I did purchase a investment property that will settle at the end of next month.\n\nChannel 0: Yep. The end of next month. Okay. So what I\n\nChannel 1: Yep.\n\nChannel 0: might do is we'll go through that portfolio update together towards\n\nChannel 1: Yep.\n\nChannel 0: a week just before then. And then if you've got an idea on the finalization of it, I can just add those details onto your file.\n\nChannel 1: Sure. Yep.\n\nChannel 0: Amazing. That's all I really needed for today just to make sure that I could get in touch and and get this fixed up for you and just keep an ear out in a few weeks' time.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: Awesome. Thank you so much, Nikki.\n\nChannel 1: Thank\n\nChannel 0: I'll talk\n\nChannel 1: you.\n\nChannel 0: to you again soon.\n\nChannel 1: Alright. See you. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Nikki.","start":1.5999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.3273451526959737},{"text":"Tommy here, senior adviser.","start":2.6399999,"end":4.08,"sentiment":"neutral","sentiment_score":0.2127615064382553},{"text":"How are you going?","start":4.08,"end":5.14,"sentiment":"neutral","sentiment_score":0.21191248670220375}],"sentiment":"neutral","sentiment_score":0.2437028573317961,"channel":0,"num_words":11,"start":1.5999999,"end":5.14},{"sentences":[{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.45318445563316345},{"text":"Thanks.","start":6.16,"end":6.56,"sentiment":"positive","sentiment_score":0.5306146740913391},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3146031399567922}],"sentiment":"positive","sentiment_score":0.38552170991897583,"channel":1,"num_words":5,"start":5.92,"end":7.3799996},{"sentences":[{"text":"I'm doing fantastic.","start":7.44,"end":8.5,"sentiment":"positive","sentiment_score":0.6868139505386353},{"text":"Thank you so much for calling back in.","start":8.559999,"end":10.34,"sentiment":"positive","sentiment_score":0.6406003385782242}],"sentiment":"positive","sentiment_score":0.6532040509310636,"channel":0,"num_words":11,"start":7.44,"end":10.34},{"sentences":[{"text":"No.","start":10.48,"end":10.719999,"sentiment":"neutral","sentiment_score":0.014424685388803482},{"text":"You're fine.","start":10.719999,"end":11.38,"sentiment":"neutral","sentiment_score":0.09793583676218985}],"sentiment":"neutral","sentiment_score":0.0700987863043944,"channel":1,"num_words":3,"start":10.48,"end":11.38},{"sentences":[{"text":"I had you scheduled in for a bit of a catch up to talk about some of your super investments and potentially a self managed super fund.","start":12.24,"end":19.215,"sentiment":"neutral","sentiment_score":0.05586654844659346},{"text":"Does that ring a 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okay.","start":58.7,"end":59.18,"sentiment":"neutral","sentiment_score":-0.13535211980342865},{"text":"It's not something that I was","start":59.18,"end":60.22,"sentiment":"neutral","sentiment_score":-0.17378187676270804}],"sentiment":"neutral","sentiment_score":-0.1666492091284858,"channel":0,"num_words":9,"start":58.54,"end":60.22},{"sentences":[{"text":"yeah.","start":60.08,"end":60.58,"sentiment":"neutral","sentiment_score":-0.20990142226219177}],"sentiment":"neutral","sentiment_score":-0.20990142226219177,"channel":1,"num_words":1,"start":60.08,"end":60.58},{"sentences":[{"text":"kind of wanting to dive into with you unless it was something that you broached.","start":60.22,"end":63.920002,"sentiment":"neutral","sentiment_score":-0.15392616987228394},{"text":"And just because we've got this new system, I was checking the the way the data came across, and I was 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going?","start":91.33,"end":98.37,"sentiment":"neutral","sentiment_score":0.043802940246203674},{"text":"Like, how frequently would you check your account?","start":98.37,"end":100.47,"sentiment":"neutral","sentiment_score":-0.003327044425532222}],"sentiment":"neutral","sentiment_score":0.039007212268188596,"channel":0,"num_words":32,"start":90.93,"end":100.47},{"sentences":[{"text":"So I haven't been able to get into my account for about two years.","start":101.405,"end":105.060005,"sentiment":"neutral","sentiment_score":-0.268412211643798},{"text":"And then every time I do a call with someone, I tell them and they say, I'll get somebody to reach out to you, and then nobody sorts it 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make sure you're","start":373.35498,"end":381.835,"sentiment":"neutral","sentiment_score":0.1651653637870764}],"sentiment":"neutral","sentiment_score":0.17471517186898453,"channel":0,"num_words":65,"start":365.56998,"end":381.835},{"sentences":[{"text":"Yes.","start":381.735,"end":382.235,"sentiment":"neutral","sentiment_score":0.10618958622217178}],"sentiment":"neutral","sentiment_score":0.10618958622217178,"channel":1,"num_words":1,"start":381.735,"end":382.235},{"sentences":[{"text":"comfortable.","start":381.835,"end":382.335,"sentiment":"neutral","sentiment_score":0.14082655310630798}],"sentiment":"neutral","sentiment_score":0.14082655310630798,"channel":0,"num_words":1,"start":381.835,"end":382.335},{"sentences":[{"text":"That's 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good.","start":388.695,"end":389.675,"sentiment":"neutral","sentiment_score":0.2674095133940379}],"sentiment":"neutral","sentiment_score":0.21434937790036201,"channel":1,"num_words":4,"start":388.455,"end":389.675},{"sentences":[{"text":"Amazing.","start":390.3,"end":390.8,"sentiment":"positive","sentiment_score":0.4687538146972656},{"text":"So just as a bit of a heads up, I'm about to go on a couple of weeks of leave because I've got third baby due on the June 11.","start":390.86,"end":400.32,"sentiment":"neutral","sentiment_score":0.08863249632219473},{"text":"So I will be back around July or sorry.","start":400.875,"end":404.575,"sentiment":"neutral","sentiment_score":0.05223239792717828},{"text":"The end of June to go through that with you.","start":404.635,"end":406.815,"sentiment":"neutral","sentiment_score":0.07517235875129699}],"sentiment":"neutral","sentiment_score":0.08699087746441364,"channel":0,"num_words":50,"start":390.3,"end":406.815},{"sentences":[{"text":"Yeah.","start":407.175,"end":407.415,"sentiment":"neutral","sentiment_score":0.068961001932621},{"text":"No.","start":407.415,"end":407.575,"sentiment":"neutral","sentiment_score":0.09560177475214005},{"text":"That's no issue at all.","start":407.575,"end":409.035,"sentiment":"neutral","sentiment_score":0.15304368436336518}],"sentiment":"neutral","sentiment_score":0.1328258855002267,"channel":1,"num_words":7,"start":407.175,"end":409.035},{"sentences":[{"text":"Perfect.","start":409.515,"end":410.015,"sentiment":"positive","sentiment_score":0.3770500123500824},{"text":"Do you have any other questions for me so 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everything like that?","start":415.29,"end":428.595,"sentiment":"neutral","sentiment_score":-0.0033895745599532828}],"sentiment":"neutral","sentiment_score":0.005556763522326947,"channel":0,"num_words":35,"start":414.72998,"end":428.595},{"sentences":[{"text":"That's all the same at the moment, except I did purchase a investment property that will settle at the end of next month.","start":428.2,"end":438.905,"sentiment":"neutral","sentiment_score":-0.011762380518991014}],"sentiment":"neutral","sentiment_score":-0.011762380518991014,"channel":1,"num_words":23,"start":428.2,"end":438.905},{"sentences":[{"text":"Yep.","start":439.395,"end":439.715,"sentiment":"neutral","sentiment_score":0.013746502809226511},{"text":"The end of next month.","start":439.715,"end":440.995,"sentiment":"neutral","sentiment_score":0.0018056003376841546},{"text":"Okay.","start":440.995,"end":441.315,"sentiment":"neutral","sentiment_score":0.03856556490063667},{"text":"So what 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file.","start":447.85,"end":453.94998,"sentiment":"neutral","sentiment_score":0.1098466096889405}],"sentiment":"neutral","sentiment_score":0.10116510150524285,"channel":0,"num_words":26,"start":446.49,"end":453.94998},{"sentences":[{"text":"Sure.","start":454.52,"end":455.0,"sentiment":"neutral","sentiment_score":0.17619088292121887},{"text":"Yep.","start":455.0,"end":455.5,"sentiment":"neutral","sentiment_score":0.2545953691005707}],"sentiment":"neutral","sentiment_score":0.21539312601089478,"channel":1,"num_words":2,"start":454.52,"end":455.5},{"sentences":[{"text":"Amazing.","start":456.345,"end":456.845,"sentiment":"positive","sentiment_score":0.5133047103881836},{"text":"That's all I really needed for today just to make sure that I could get in touch and and get this fixed up for you and just keep an ear out in a few weeks' 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Nikki.","start":468.0229,"end":468.98288,"sentiment":"positive","sentiment_score":0.8421141386032105}],"sentiment":"positive","sentiment_score":0.7377904107173284,"channel":0,"num_words":6,"start":467.62286,"end":468.98288},{"sentences":[{"text":"Thank","start":468.905,"end":469.145,"sentiment":"positive","sentiment_score":0.7677661776542664}],"sentiment":"positive","sentiment_score":0.7677661776542664,"channel":1,"num_words":1,"start":468.905,"end":469.145},{"sentences":[{"text":"I'll talk","start":468.98288,"end":469.3029,"sentiment":"positive","sentiment_score":0.7637179791927338}],"sentiment":"positive","sentiment_score":0.7637179791927338,"channel":0,"num_words":2,"start":468.98288,"end":469.3029},{"sentences":[{"text":"you.","start":469.145,"end":469.645,"sentiment":"positive","sentiment_score":0.6718608140945435}],"sentiment":"positive","sentiment_score":0.6718608140945435,"channel":1,"num_words":1,"start":469.145,"end":469.645},{"sentences":[{"text":"to you again soon.","start":469.3029,"end":470.20288,"sentiment":"positive","sentiment_score":0.4233558923006058}],"sentiment":"positive","sentiment_score":0.4233558923006058,"channel":0,"num_words":4,"start":469.3029,"end":470.20288},{"sentences":[{"text":"Alright.","start":470.425,"end":470.825,"sentiment":"positive","sentiment_score":0.34901151061058044},{"text":"See you.","start":470.825,"end":471.305,"sentiment":"positive","sentiment_score":0.4634628891944885},{"text":"Bye.","start":471.305,"end":471.805,"sentiment":"neutral","sentiment_score":0.2953154742717743}],"sentiment":"positive","sentiment_score":0.39281319081783295,"channel":1,"num_words":4,"start":470.425,"end":471.805},{"sentences":[{"text":"Thank you.","start":471.62286,"end":472.1829,"sentiment":"positive","sentiment_score":0.6202510595321655},{"text":"Bye.","start":472.1829,"end":472.6829,"sentiment":"neutral","sentiment_score":-0.11400678753852844}],"sentiment":"positive","sentiment_score":0.3754984438419342,"channel":0,"num_words":3,"start":471.62286,"end":472.6829}]},"summary":{"result":"success","short":"A senior adviser, Tommy, discusses the possibility of self-help with a client named Nikki, emphasizing the importance of keeping an eye on investment options and potential return on investment. The speaker discusses the drop in options in the Australian stock market and shortlisting options for low fee investments, as well as the client's preference for low fee investments and plans to consider their recommendation. The speaker provides guidance on the style of options and plans to update the portfolio, but is currently going on leave and purchasing a investment property."},"intents":{"segments":[{"text":"So when you spoke to one of our advisers, Kyle, a few months ago, he put in a bit of a scheduled catch up just to discuss one of the investments inside your super fund just to sort of see how Yep. it's going, whether it Yep. was kind of bouncing back or not. Does that ring a bell? Yep.","start_word":72,"end_word":131,"intents":[{"intent":"Explain situation","confidence_score":0.00005534116}]},{"text":"might do is we'll go through that portfolio update together towards Yep. a week just before then. And then if you've got an idea on the finalization of it, I can just add those details onto your file. Sure.","start_word":1399,"end_word":1437,"intents":[{"intent":"Schedule portfolio update","confidence_score":0.39475572}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Nikki. Tommy here, senior adviser. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.2485734075307846},{"text":"Good. Thanks.","start_word":11,"end_word":12,"sentiment":"positive","sentiment_score":0.4918995499610901},{"text":"How are you?","start_word":13,"end_word":15,"sentiment":"neutral","sentiment_score":0.3271854817867279},{"text":"I'm doing fantastic. Thank you so much for calling back in.","start_word":16,"end_word":26,"sentiment":"positive","sentiment_score":0.6509062647819519},{"text":"No. You're fine. I had you scheduled in for a bit of a catch up to talk about some of your super investments and potentially a self managed super fund. Does that ring a bell? Yeah. One of the ladies reached out to me.","start_word":27,"end_word":70,"sentiment":"neutral","sentiment_score":0.057764071971178055},{"text":"Perfect.","start_word":71,"end_word":71,"sentiment":"positive","sentiment_score":0.37463438510894775},{"text":"So when you spoke to one of our advisers, Kyle, a few months ago, he put in a bit of a scheduled catch up just to discuss one of the investments inside your super fund just to sort of see how Yep. it's going, whether it Yep. was kind of bouncing back or not. Does that ring a bell? Yep. Yeah. Correct. Yep. Cool. And did you have any interest in terms of looking at the self managed super fund side of things just so I've got it correct? I don't remember speaking about that. I don't think that's something that I've probably I don't know how much is involved in that. But No. That's okay. It's not something that I was yeah. kind of wanting to dive into with you unless it was something that you broached. And just because we've got this new system, I was checking the the way the data came across, and I was like, Yep. it mentioned super investments and self managed. I just wanted to double check Yep. with you.","start_word":72,"end_word":248,"sentiment":"neutral","sentiment_score":-0.014014966785907744},{"text":"No. All good. I'm happy to not do self managed at the moment.","start_word":249,"end_word":261,"sentiment":"negative","sentiment_score":-0.4230552911758423},{"text":"Perfect. Because I was gonna actually say we should probably hold off on that given all the Yeah. legislation changes and all the explosions going on in the country economically.","start_word":262,"end_word":291,"sentiment":"neutral","sentiment_score":0.075635626912117},{"text":"So I'm glad we're on the same page so quickly.","start_word":292,"end_word":301,"sentiment":"positive","sentiment_score":0.46869948506355286},{"text":"Yep. Yep. Perfect. So when it comes to the the super funds, do you tend to log in and keep an eye on how it's going? Like, how frequently would you check your account? So I haven't been able to get into my account for about two years. And then every time I do a call with someone, I tell them and they say, I'll get somebody to reach out to you, and then nobody sorts it out. So Okay. So I never. that's okay. So that's not fun for me because I love when clients have a bit of an access, not excessive every Yes. day panicking about your super fund for thirty years, but just every now and then being able to, you know, have a little look so you see how it's going, and just make sure that you're comfortable with how it behaves if that's Yep. of interest. So I know you've probably already heard someone say, I'll sort this out for you and put Yeah. in a task and but I'm gonna make sure that I'm gonna send a password reset email from your login, Yep. which I can do. And the tip that I will give you is Hub twenty four is one of the most technological super platforms, and they've got the most Yep. investment options in the country, but their app's not as good as their website for your type of login. Okay. Yep. So once we do get it sorted for you, if you can just go on, like, a computer or or just a website on the phone, Yep. tends to be And a bit do it. easier access Yep. to look at the dashboards and the reports than the app does. Okay. Okay? Outside of that, so I've been having a little bit of a look at your funds, and it was right for for Kyle to kind of flag that investment option because you've got a portfolio of eight different investments between shares Yep. and property and gold. And when every single option is doing amazing and you're getting all these great returns, but then one of them is kind of dragging Yep. you down a bit, we need to keep an eye on that because what tends to happen is if there's five options out there that invest in Australian shares and you're in the one that's kind of going sideways and the other four are just kind of neck and neck racing each other, you kind of wanna be back with the pack, if that makes sense.","start_word":302,"end_word":732,"sentiment":"neutral","sentiment_score":0.019513922123337843},{"text":"Now this option that I'm looking at so overall, YourSuper has been doing Yep. really good.","start_word":733,"end_word":748,"sentiment":"positive","sentiment_score":0.4465622305870056},{"text":"We had a bit of a drop in March because of the the war that broke out, Yes. fuel crisis. It went down to from a 153,000 down to 141. So that was Yes. 12,000 down in the span of a month. Then it jumped straight back up $14,000 to a 155, and it's kind of bounced back to where it was. Yep. But on the flip side to that, that one option has still been down kind of double digits, whereas most of the Yes. other options in the same space, they've slowly started going back to normal like Yes. the rest of your portfolio. Does that sort of make sense to to begin Yeah. with? Yep. Yep. So one of the things that I was kind of thinking at the moment is we've been discussing this internally with the entire advice team, our investment committee, and our licensee. And just with this in particular, normally, options kind of jostle for position, where one year, they're third, next year, they're first, and they kind of all compete pretty neck and neck.","start_word":749,"end_word":930,"sentiment":"neutral","sentiment_score":-0.09685253351926804},{"text":"This one in particular has kind of been dropping out of the race for quite a while now, and Yep.","start_word":931,"end_word":950,"sentiment":"negative","sentiment_score":-0.3378734290599823},{"text":"it's probably the first time in my career I've seen an option where I don't think it has any chance of bouncing back into the main group, if that makes sense. Yep. So if you're comfortable with it, I would like to just do a bit of an engine tune up on the portfolio and get you a bit of a replacement for those Australian shares. Yeah. That's fine. K? I do have one question for you. There is no wrong answer to this. It's just that Hub's got 1,300 options, and I just need a bit of guidance in your gut feeling to kind of shortlist it, if that makes sense. Yep. And the question is, we can pick between low fee investments, passive that follows the market up and down, or then you have higher fee investments where a fund manager tries to pick and choose stocks to get you a better return. Which way would you kind of lean personally? Listen. I'm just not a decision maker, so I normally just would go off your guidance, really. Yep. No. That's fair. So the style that you're currently in is a bit of blend of both. Yep. I can keep it in the Yep. same style, and I can replace it like for like. No problems at all. Yep.","start_word":951,"end_word":1171,"sentiment":"neutral","sentiment_score":-0.00367706194857127},{"text":"Perfect.","start_word":1172,"end_word":1172,"sentiment":"positive","sentiment_score":0.5795644521713257},{"text":"So what I'm gonna do, if it's okay with you, is we've got a couple of options we've been shortlisting since your conversation with Kyle. I'm gonna just do a bit of a comparison and research, get you booked in in a few weeks' time just to send you that document so you can see what we're gonna change just to make sure you're Yes. comfortable. That's fine.","start_word":1173,"end_word":1240,"sentiment":"neutral","sentiment_score":0.17188958823680878},{"text":"Cool. Awesome, Nikki.","start_word":1241,"end_word":1243,"sentiment":"positive","sentiment_score":0.4858031272888184},{"text":"Do you have any questions for me so far? No. That's all good.","start_word":1244,"end_word":1256,"sentiment":"neutral","sentiment_score":0.186005100607872},{"text":"Amazing.","start_word":1257,"end_word":1257,"sentiment":"positive","sentiment_score":0.4687538146972656},{"text":"So just as a bit of a heads up, I'm about to go on a couple of weeks of leave because I've got third baby due on the June 11. So I will be back around July or sorry. The end of June to go through that with you. Yeah. No. That's no issue at all.","start_word":1258,"end_word":1313,"sentiment":"neutral","sentiment_score":0.09011061489582062},{"text":"Perfect.","start_word":1314,"end_word":1314,"sentiment":"positive","sentiment_score":0.3770500123500824},{"text":"Do you have any other questions for me so far? No. No. That's all good. Amazing. Now last question for me is, has there been any major changes in your circumstances, anything of note in terms of financial assets, occupation, income with the cost of living, and everything like that? That's all the same at the moment, except I did purchase a investment property that will settle at the end of next month. Yep. The end of next month. Okay. So what I Yep. might do is we'll go through that portfolio update together towards Yep. a week just before then. And then if you've got an idea on the finalization of it, I can just add those details onto your file. Sure. Yep.","start_word":1315,"end_word":1438,"sentiment":"neutral","sentiment_score":0.05345723405480385},{"text":"Amazing. That's all I really needed for today just to make sure that I could get in touch and and get this fixed up for you and just keep an ear out in a few weeks' time.","start_word":1439,"end_word":1475,"sentiment":"positive","sentiment_score":0.4143126308917999},{"text":"Okay.","start_word":1476,"end_word":1476,"sentiment":"neutral","sentiment_score":0.23942165076732635},{"text":"Awesome. Awesome. Thank you so much, Nikki. Thank I'll talk you. to you again soon. Alright. See you.","start_word":1477,"end_word":1494,"sentiment":"positive","sentiment_score":0.6098393102486929},{"text":"Bye.","start_word":1495,"end_word":1495,"sentiment":"neutral","sentiment_score":0.2953154742717743},{"text":"Thank you.","start_word":1496,"end_word":1497,"sentiment":"positive","sentiment_score":0.6123173236846924},{"text":"Bye.","start_word":1498,"end_word":1498,"sentiment":"neutral","sentiment_score":0.30558890104293823}],"average":{"sentiment":"neutral","sentiment_score":0.045829923951584535}}}}