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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please? Yeah. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Lovely. Yeah. It's taken easy. Oh, that's nice. Now, Brendon, before I kind of jump into the interview with you, I do like to start by asking if there is anything specific that you would like me to address further with you today or any concerns or anything or just a bit of just a bit of a catch up to see how everything's going? Yep. Going smoothly. Perfect. So what I will do today is I will just go through a bit of an updated fact line with you first to see if there's anything that's changed. And then we'll go through a bit of an updated risk profile questionnaire. It's pretty straightforward, but that's just to see if we need to make any changes to your risk profile within your super. And then I'll kind of go through a couple of documents as well to kind of see what your super and what's happened in the last twelve months. Perfect. So kind of bear with me as I go through the fact that I'm here with you just to see if there's anything that's changed. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Yep. Perfect. Now next up, Ken, I have Hannah. That's still the case as well? Yep. Perfect. When it comes to occupation, has any of that changed in the last twelve months or still working as a driller? Yep. Perfect. I have income at about $1.90. Is that roughly the same? Yep. Perfect. Now assets wise, I have here a motor vehicle about 20,000. Yep. A boat, 5,000, and the caravan, about 9. Does that all sound right? Perfect. Now do you have any other assets or any other, like, personal loans or credit cards or anything? Nope. Perfect. No. The personal loans or anything else. Yes. Yes. Sorry. I can add that. Sorry. You have two two vehicles now? Yep. And how much is the the second one worth, would you say? 50. Perfect. And what was the loan for? About 60. Yeah. About 60. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect. And have you had any changes to your health otherwise in the last twelve months? Any significant health issues or any injuries or anything, or everything's going okay? No. No. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place? A will in place or, like, a power of attorney? That's okay. On the to do list. But you don't have anyone who makes any, you know, financial decisions on your behalf otherwise? No. No. Perfect. Perfect. And are you politically exposed at all or earn an income from overseas? No. Perfect. And I guess when it comes to kind of goals and stuff that you are working towards, when we spoke to you last during your interview, you kind of mentioned that your focus was to kind of build up a little bit of a savings account just to have that in place if there's, you know, some unforeseen circumstances or anything. Is that still kind of the the goal for yourself? Okay. Yeah. Yeah. No. That's okay. So what would you say, I guess, in the next twelve months or couple of years? Is there, like, a focus for you? Is that to pay down the personal loan, or what kind of something that you yeah. Focus on paying up. Yeah. Perfect. Anything else that you're working towards? No. No. Perfect. Now, otherwise, are you still kind of planning on retiring at around 60? Yep. Yeah. So with the current legislation, if you're eligible for age pension, it's eight sixty seven. Otherwise, 60 if you stop working is when you can start accessing some of your superannuation. Yep. Perfect. Now with your superannuation, I do have a couple of multiple choice question here for you, Brendan. It is pretty straightforward. So if if it doesn't make sense, so let me know. There is no right or wrong answer either. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now when it comes to superannuation, how much risk are you willing to take in order to make sure that, you know, you stay on top of the rising prices and inflation and everything like that? Or would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk order to try to make sure that everything keeps growing for you. High. Yep. Perfect. And if you place an investment, and after six months, you found out that your portfolio has gone down by 20% due to general trends in the market, so not one particular investment that's gone bad, just kind of the market as a whole, If you had the option to do so, would you think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped? White and see? Yeah. Yeah. Great. And when it comes to, you know, fluctuation and investments going down in value, if you ever noticed that at any point in time, would you think it would make you feel optimistic about future opportunities, a bit more neutral, you know, not making any further investments, concerned, or highly anxious? Yeah. Yep. Yeah. If it's obviously, because you're super is that long term investment and if it is kind of, you know, research and solid investment, so not like a a risky investment, so to say, Would you how would you feel? And I know it's sometimes hard because it's theorens depending on what's going on. It's more to see how how you would feel in that situation, like how your, you know, behavior and stuff would be. As long as it's not, you know, a super risky investment, would you say that you'd be a bit more neutral, or would you lean more towards the concerned aspect? Neutral. Yes. Yeah. Yep. Yes. It's a bit tricky, that one. No. That makes sense. Perfect. And last one here is borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No. Yep. Yeah. No. That's fine. And the would you ever be open to borrow for an investment property? No. Now that Brandon, that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? No. No. No. That's okay. Well, basically, they're both kind of similar in that you are, you know, looking at getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement. Yeah. Yeah. I guess it depends on as well time frames as well. So what we are also looking at is, you know, how long until you wanna completely retire as well. Yeah. And, also, you know, comfortable seeing a bit of short term fluctuation to make sure that long term, it continues to to maximize that growth for you. But if we are looking at a time frame, so in a growth portfolio, we see about six years until retirement. And in a high yeah? Yep. Yeah. Yeah. So you're quite comfortable. Yeah. Yeah. Yeah. Oh, that's perfect. It's nice when you have that. And because otherwise, in a high growth, which is what you currently have are invested in, we're looking about at eight years until retirement. And when we are kind of looking at asset allocations to how your money is invested, in a high growth, we see about 90% invested in what we would call your growth investment. So that will be things like Australian chef, international chef, and property and commodity. And that is kind of what's going to, you know, grow that super for you. And then we have that 10% more the defensive, like your cash, your gold, your fixed interest, limit fluctuations a little bit. A growth portfolio is about a 10% difference, so it's about an eighty and twenty allocation. Now, Brendon, are you happy to remain in that high growth portfolio given you do have more closer to that eight years until retirement, or would you like to look at reducing or changing anything for you? Nope. Happy. Yep. Perfect. Now do you have access to your emails at the moment or not really right now? Perfect. Speak me to it. Now with the email, it might look a little bit different to what it did last time because we have changed the software a little bit. But, essentially, before you click on the link where it says sign now, at the bottom of that email, do you see a couple of attachments? Yeah. Just so I can kind of talk to see those documents there for you. Yes. So if you want to open o two services guide, if you can see that one, it should be, like, the first one, I believe. Can you see that one? Yes. Yes. So you would have seen this one before. It's one of those kind of compliance documents. But, basically, everything that you need to know about us is in here. So all the important information, everything about the team, our directors, our advisers, everything is in there. Now if you want to scroll down to page see here. 10. Yes. That's Savvy. Yeah. Connor. And then on the next one, you will see Larissa and Tommy. And then on the following page after that, you will see myself next to Dana. And sometimes it's nice to put a face to the boy. Yeah. Yeah. There you go. Now, otherwise, the second attachment, you should see services guide version four. I won't get you to open that. It's just like a smaller version of the other one. Again, just one of those compliance documents, but it is good to have it there if you ever do wanna go back and have a read over it. But, otherwise, if you can open the one that says performance with IRR. Can you see that okay? It should have twenty twenty six. Yeah. Perfect. And is that the one that shows you the investments in Netwealth, like a bit of a report in Netwealth? Yeah. Perfect. So this one might look a little bit messy sometimes, but it basically shows you all your investments and kind of what's happened in the last, twelve months. So, basically, kind of at a at a high level, your portfolio is structured across, you know, three different, key areas. So first, you got your, you know, your growth assets, which kind of makes up the majority of the portfolio. So you'll have your Australian shares, international markets, like a bit of US, bit of Europe, and bit of Japan for diversification for you. And those are really the the engine driving your long term return. And then you do have diversifiers. So you have that gold, which kind of help protect the portfolio during periods of uncertainty and volatility. So we've had, obviously, a bit of a turbulence last twelve months with everything going on in the world. First, obviously, you had everything in The US with Trump and the tariffs and everything, and, obviously, more recently, the war and stuff. So had a bit of that turbulence in the last twelve months. But in terms of your portfolio, so despite there being a bit of fluctuation in the last twelve months, your portfolio has still been positive, which is great. So it's still kind of delivered kind of a modest return of about 4.5% off the fee. And that is still pretty good given that it came during a fairly mixed market environment. So your exposures to The US, they delivered very good solid returns. Japan and Europe, which you will see here as well, that was also very good. The the area that kind of underperformed a little bit was the Australian market. Now did you see an email that we sent through? It was about the March 13. Completely fine if you didn't, but it was an email in regards to an investment change that we made for you. Yes. Yes. Good. It wasn't anything you had to ask, and it was just for your reference. And that is that one one of those investments that kind of had underperformed a little bit. We we did a lot of research, and the investment committee made the decision as well to swap that out for a better performing one. So we have already gone ahead and make that change for you. So what we changed was just one investment, which was the Benelong Australian equity, and what we swapped it for was the BetaShares Australia two hundred. So still keeping it in the Australian market, but the the BetaShares Australia two hundred, it was a little bit cheaper for you because it doesn't have the same active component, but, also, it it was better performing, which is good. So the investment committee, like I said, did all that research on the investment, and we didn't really foresee Ben along kind of coming back around. So we made the decision to change it for you, which will see, you know, things moving forward look a bit better for you as well. So you didn't have to change or or sign anything, but it's just for your reference so that you do know, you know, the reasons of why which, you know, did make that investment and what we changed it for. So that was just one of those investments there for you. That's basically what that what that email was. But, overall, though, the portfolio, like I said, has done pretty good considering the last twelve months, and it is kind of, you know, very good and well positioned from a long term perspective. And that is kind of how we, you know, do expect a well diversified portfolio to behave. So overall, you know, quite happy with with everything. Do you have any questions in regards to any of that? No. Makes sense. No. Perfect. Yeah. Now the the next one for you there, Brendan, is a bit of a super summary. Can you see that one? Yeah. Perfect. Now this document was prepared on the April 13, and at that time, you had 200 and 7,000 7 hundred and 11 in your Netwealth account. But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993. Yep. Perfect. Now the last one here is then your Vanguard index chart. Can you see that one? Yep. Perfect. Now you probably have seen this one before, but it's a bit just a bit of an updated version. But it is just kind of a good visual representation of what we are talking about when we are talking about the market. And, basically, you can see here that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations. Yep. Kath, any questions? No. Makes sense. Perfect. Now the last thing then is if you are happy to do so, if you wanna click on the link where it says sign now, it will ask you to sign through document. Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client. The fee structure hasn't changed at all. It stays exactly the same at that 1.65%. No changes in regards to the fee structure. Just basically to let Netwealth know that you're happy to stay on a decline, and we can keep servicing your account. But it's not a lock in contract. So, you know, if at any point in time you are not happy, there is no lock in contract. Perfect. And then the last one it will get you to sign, it is just a tax file number. Just a compliance form just to say that we are keeping your tax file number secure on file. Perfect. Amazing. Yep. Perfect. That's all come through okay. Now before I let you go, otherwise, do you have any questions? Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today? No? Alright. Perfect. Well, I will let you go and enjoy the rest of your day off. And if you need anything else at any point in time, don't hesitate to give us a call. Thank you so much. We'll speak soon, Brendan. Thanks. 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afternoon. This is Brandon. This is Veronica from Financial. How are you? That's okay.\n\nIs now still a good time to complete your interview? Yeah. Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please? Yeah. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy? Lovely. Yeah. It's taken easy.\n\nOh, that's nice. Now, Brendon, before I kind of jump into the interview with you, I do like to start by asking if there is anything specific that you would like me to address further with you today or any concerns or anything or just a bit of just a bit of a catch up to see how everything's going? Yep. Going smoothly. Perfect.\n\nSo what I will do today is I will just go through a bit of an updated fact line with you first to see if there's anything that's changed. And then we'll go through a bit of an updated risk profile questionnaire. It's pretty straightforward, but that's just to see if we need to make any changes to your risk profile within your super. And then I'll kind of go through a couple of documents as well to kind of see what your super and what's happened in the last twelve months. Perfect.\n\nSo kind of bear with me as I go through the fact that I'm here with you just to see if there's anything that's changed. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Yep. Perfect.\n\nNow next up, Ken, I have Hannah. That's still the case as well? Yep. Perfect. When it comes to occupation, has any of that changed in the last twelve months or still working as a driller?\n\nYep. Perfect. I have income at about $1.90. Is that roughly the same? Yep.\n\nPerfect. Now assets wise, I have here a motor vehicle about 20,000. Yep. A boat, 5,000, and the caravan, about 9. Does that all sound right?\n\nPerfect. Now do you have any other assets or any other, like, personal loans or credit cards or anything? Nope. Perfect. No.\n\nThe personal loans or anything else. Yes. Yes. Sorry. I can add that.\n\nSorry. You have two two vehicles now? Yep. And how much is the the second one worth, would you say? 50.\n\nPerfect. And what was the loan for? About 60. Yeah. About 60.\n\nPerfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect.\n\nAnd have you had any changes to your health otherwise in the last twelve months? Any significant health issues or any injuries or anything, or everything's going okay? No. No. Perfect.\n\nAnd when it comes to estate planning, do you have a will or power of attorney in place? A will in place or, like, a power of attorney? That's okay. On the to do list. But you don't have anyone who makes any, you know, financial decisions on your behalf otherwise?\n\nNo. No. Perfect. Perfect. And are you politically exposed at all or earn an income from overseas?\n\nNo. Perfect. And I guess when it comes to kind of goals and stuff that you are working towards, when we spoke to you last during your interview, you kind of mentioned that your focus was to kind of build up a little bit of a savings account just to have that in place if there's, you know, some unforeseen circumstances or anything. Is that still kind of the the goal for yourself? Okay.\n\nYeah. Yeah. No. That's okay. So what would you say, I guess, in the next twelve months or couple of years?\n\nIs there, like, a focus for you? Is that to pay down the personal loan, or what kind of something that you yeah. Focus on paying up. Yeah. Perfect.\n\nAnything else that you're working towards? No. No. Perfect. Now, otherwise, are you still kind of planning on retiring at around 60?\n\nYep. Yeah. So with the current legislation, if you're eligible for age pension, it's eight sixty seven. Otherwise, 60 if you stop working is when you can start accessing some of your superannuation. Yep.\n\nPerfect. Now with your superannuation, I do have a couple of multiple choice question here for you, Brendan. It is pretty straightforward. So if if it doesn't make sense, so let me know. There is no right or wrong answer either.\n\nIt's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now when it comes to superannuation, how much risk are you willing to take in order to make sure that, you know, you stay on top of the rising prices and inflation and everything like that?\n\nOr would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk order to try to make sure that everything keeps growing for you. High. Yep. Perfect. And if you place an investment, and after six months, you found out that your portfolio has gone down by 20% due to general trends in the market, so not one particular investment that's gone bad, just kind of the market as a whole, If you had the option to do so, would you think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped?\n\nWhite and see? Yeah. Yeah. Great. And when it comes to, you know, fluctuation and investments going down in value, if you ever noticed that at any point in time, would you think it would make you feel optimistic about future opportunities, a bit more neutral, you know, not making any further investments, concerned, or highly anxious?\n\nYeah. Yep. Yeah. If it's obviously, because you're super is that long term investment and if it is kind of, you know, research and solid investment, so not like a a risky investment, so to say, Would you how would you feel? And I know it's sometimes hard because it's theorens depending on what's going on.\n\nIt's more to see how how you would feel in that situation, like how your, you know, behavior and stuff would be. As long as it's not, you know, a super risky investment, would you say that you'd be a bit more neutral, or would you lean more towards the concerned aspect? Neutral. Yes. Yeah.\n\nYep. Yes. It's a bit tricky, that one. No. That makes sense.\n\nPerfect. And last one here is borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No.\n\nYep. Yeah. No. That's fine. And the would you ever be open to borrow for an investment property?\n\nNo. Now that Brandon, that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? No.\n\nNo. No. That's okay. Well, basically, they're both kind of similar in that you are, you know, looking at getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement. Yeah.\n\nYeah. I guess it depends on as well time frames as well. So what we are also looking at is, you know, how long until you wanna completely retire as well. Yeah. And, also, you know, comfortable seeing a bit of short term fluctuation to make sure that long term, it continues to to maximize that growth for you.\n\nBut if we are looking at a time frame, so in a growth portfolio, we see about six years until retirement. And in a high yeah? Yep. Yeah. Yeah.\n\nSo you're quite comfortable. Yeah. Yeah. Yeah. Oh, that's perfect.\n\nIt's nice when you have that. And because otherwise, in a high growth, which is what you currently have are invested in, we're looking about at eight years until retirement. And when we are kind of looking at asset allocations to how your money is invested, in a high growth, we see about 90% invested in what we would call your growth investment. So that will be things like Australian chef, international chef, and property and commodity. And that is kind of what's going to, you know, grow that super for you.\n\nAnd then we have that 10% more the defensive, like your cash, your gold, your fixed interest, limit fluctuations a little bit. A growth portfolio is about a 10% difference, so it's about an eighty and twenty allocation. Now, Brendon, are you happy to remain in that high growth portfolio given you do have more closer to that eight years until retirement, or would you like to look at reducing or changing anything for you? Nope. Happy.\n\nYep. Perfect. Now do you have access to your emails at the moment or not really right now? Perfect. Speak me to it.\n\nNow with the email, it might look a little bit different to what it did last time because we have changed the software a little bit. But, essentially, before you click on the link where it says sign now, at the bottom of that email, do you see a couple of attachments? Yeah. Just so I can kind of talk to see those documents there for you. Yes.\n\nSo if you want to open o two services guide, if you can see that one, it should be, like, the first one, I believe. Can you see that one? Yes. Yes. So you would have seen this one before.\n\nIt's one of those kind of compliance documents. But, basically, everything that you need to know about us is in here. So all the important information, everything about the team, our directors, our advisers, everything is in there. Now if you want to scroll down to page see here. 10.\n\nYes. That's Savvy. Yeah. Connor. And then on the next one, you will see Larissa and Tommy.\n\nAnd then on the following page after that, you will see myself next to Dana. And sometimes it's nice to put a face to the boy. Yeah. Yeah. There you go.\n\nNow, otherwise, the second attachment, you should see services guide version four. I won't get you to open that. It's just like a smaller version of the other one. Again, just one of those compliance documents, but it is good to have it there if you ever do wanna go back and have a read over it. But, otherwise, if you can open the one that says performance with IRR.\n\nCan you see that okay? It should have twenty twenty six. Yeah. Perfect. And is that the one that shows you the investments in Netwealth, like a bit of a report in Netwealth?\n\nYeah. Perfect. So this one might look a little bit messy sometimes, but it basically shows you all your investments and kind of what's happened in the last, twelve months. So, basically, kind of at a at a high level, your portfolio is structured across, you know, three different, key areas. So first, you got your, you know, your growth assets, which kind of makes up the majority of the portfolio.\n\nSo you'll have your Australian shares, international markets, like a bit of US, bit of Europe, and bit of Japan for diversification for you. And those are really the the engine driving your long term return. And then you do have diversifiers. So you have that gold, which kind of help protect the portfolio during periods of uncertainty and volatility. So we've had, obviously, a bit of a turbulence last twelve months with everything going on in the world.\n\nFirst, obviously, you had everything in The US with Trump and the tariffs and everything, and, obviously, more recently, the war and stuff. So had a bit of that turbulence in the last twelve months. But in terms of your portfolio, so despite there being a bit of fluctuation in the last twelve months, your portfolio has still been positive, which is great. So it's still kind of delivered kind of a modest return of about 4.5% off the fee. And that is still pretty good given that it came during a fairly mixed market environment.\n\nSo your exposures to The US, they delivered very good solid returns. Japan and Europe, which you will see here as well, that was also very good. The the area that kind of underperformed a little bit was the Australian market. Now did you see an email that we sent through? It was about the March 13.\n\nCompletely fine if you didn't, but it was an email in regards to an investment change that we made for you. Yes. Yes. Good. It wasn't anything you had to ask, and it was just for your reference.\n\nAnd that is that one one of those investments that kind of had underperformed a little bit. We we did a lot of research, and the investment committee made the decision as well to swap that out for a better performing one. So we have already gone ahead and make that change for you. So what we changed was just one investment, which was the Benelong Australian equity, and what we swapped it for was the BetaShares Australia two hundred. So still keeping it in the Australian market, but the the BetaShares Australia two hundred, it was a little bit cheaper for you because it doesn't have the same active component, but, also, it it was better performing, which is good.\n\nSo the investment committee, like I said, did all that research on the investment, and we didn't really foresee Ben along kind of coming back around. So we made the decision to change it for you, which will see, you know, things moving forward look a bit better for you as well. So you didn't have to change or or sign anything, but it's just for your reference so that you do know, you know, the reasons of why which, you know, did make that investment and what we changed it for. So that was just one of those investments there for you. That's basically what that what that email was.\n\nBut, overall, though, the portfolio, like I said, has done pretty good considering the last twelve months, and it is kind of, you know, very good and well positioned from a long term perspective. And that is kind of how we, you know, do expect a well diversified portfolio to behave. So overall, you know, quite happy with with everything. Do you have any questions in regards to any of that? No.\n\nMakes sense. No. Perfect. Yeah. Now the the next one for you there, Brendan, is a bit of a super summary.\n\nCan you see that one? Yeah. Perfect. Now this document was prepared on the April 13, and at that time, you had 200 and 7,000 7 hundred and 11 in your Netwealth account. But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993.\n\nYep. Perfect. Now the last one here is then your Vanguard index chart. Can you see that one? Yep.\n\nPerfect. Now you probably have seen this one before, but it's a bit just a bit of an updated version. But it is just kind of a good visual representation of what we are talking about when we are talking about the market. And, basically, you can see here that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations.\n\nYep. Kath, any questions? No. Makes sense. Perfect.\n\nNow the last thing then is if you are happy to do so, if you wanna click on the link where it says sign now, it will ask you to sign through document. Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client. The fee structure hasn't changed at all. It stays exactly the same at that 1.65%. No changes in regards to the fee structure.\n\nJust basically to let Netwealth know that you're happy to stay on a decline, and we can keep servicing your account. But it's not a lock in contract. So, you know, if at any point in time you are not happy, there is no lock in contract. Perfect. And then the last one it will get you to sign, it is just a tax file number.\n\nJust a compliance form just to say that we are keeping your tax file number secure on file. Perfect. Amazing. Yep. Perfect.\n\nThat's all come through okay. Now before I let you go, otherwise, do you have any questions? Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today? No? Alright.\n\nPerfect. Well, I will let you go and enjoy the rest of your day off. And if you need anything else at any point in time, don't hesitate to give us a call. Thank you so much. We'll speak soon, Brendan.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.44,"end":6.08,"sentiment":"neutral","sentiment_score":0.28165462613105774},{"text":"This is Brandon.","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.18248088657855988},{"text":"This is Veronica from Financial.","start":12.4,"end":14.179999,"sentiment":"positive","sentiment_score":0.3392893671989441},{"text":"How are you?","start":14.719999,"end":15.54,"sentiment":"neutral","sentiment_score":0.25205934047698975},{"text":"That's okay.","start":26.255,"end":27.154999,"sentiment":"neutral","sentiment_score":0.1046028807759285}],"sentiment":"neutral","sentiment_score":0.2515055020650228,"num_words":15,"start":5.44,"end":27.154999},{"sentences":[{"text":"Is now still a good time to complete your interview?","start":28.92,"end":31.82,"sentiment":"neutral","sentiment_score":0.19190433360636233},{"text":"Yeah.","start":32.52,"end":33.02,"sentiment":"neutral","sentiment_score":0.09524965286254884},{"text":"Yeah.","start":33.879997,"end":34.379997,"sentiment":"neutral","sentiment_score":0.2540454864501953},{"text":"Perfect.","start":34.44,"end":34.94,"sentiment":"positive","sentiment_score":0.46474120020866394},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":35.72,"end":42.78,"sentiment":"neutral","sentiment_score":0.03368959813539324}],"sentiment":"neutral","sentiment_score":0.0883351909883675,"num_words":42,"start":28.92,"end":42.78},{"sentences":[{"text":"Perfect.","start":45.364998,"end":45.864998,"sentiment":"positive","sentiment_score":0.46048861742019653},{"text":"And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please?","start":45.925,"end":54.344997,"sentiment":"neutral","sentiment_score":0.07083608872360653},{"text":"Yeah.","start":70.995,"end":71.395004,"sentiment":"neutral","sentiment_score":0.1640697419643402},{"text":"Perfect.","start":71.395004,"end":71.795,"sentiment":"positive","sentiment_score":0.4930248260498047},{"text":"That's exactly what I have here.","start":71.795,"end":73.395004,"sentiment":"positive","sentiment_score":0.5283208837111791}],"sentiment":"neutral","sentiment_score":0.1722245245344109,"num_words":36,"start":45.364998,"end":73.395004},{"sentences":[{"text":"And how's your day been so far?","start":73.395004,"end":75.075,"sentiment":"neutral","sentiment_score":0.10403963817017418},{"text":"Been busy?","start":75.075,"end":75.815,"sentiment":"neutral","sentiment_score":-0.017808761447668076},{"text":"Lovely.","start":82.69,"end":83.19,"sentiment":"positive","sentiment_score":0.5352803468704224},{"text":"Yeah.","start":86.05,"end":86.55,"sentiment":"neutral","sentiment_score":0.24886423349380493},{"text":"It's taken easy.","start":89.01,"end":89.97,"sentiment":"positive","sentiment_score":0.5080733100573221}],"sentiment":"neutral","sentiment_score":0.21435888963086264,"num_words":14,"start":73.395004,"end":89.97},{"sentences":[{"text":"Oh, that's nice.","start":89.97,"end":90.95,"sentiment":"positive","sentiment_score":0.4826870560646057},{"text":"Now, Brendon, before I kind of jump into the interview with you, I do like to start by asking if there is anything specific that you would like me to address further with you today or any concerns or anything or just a bit of just a bit of a catch up to see how everything's going?","start":93.045,"end":109.259995,"sentiment":"neutral","sentiment_score":0.0898793156079033},{"text":"Yep.","start":119.335,"end":119.835,"sentiment":"neutral","sentiment_score":0.28111299872398376},{"text":"Going smoothly.","start":121.494995,"end":122.295,"sentiment":"positive","sentiment_score":0.45886170864105225},{"text":"Perfect.","start":122.295,"end":122.795,"sentiment":"positive","sentiment_score":0.40153008699417114}],"sentiment":"neutral","sentiment_score":0.12768044782569632,"num_words":64,"start":89.97,"end":122.795},{"sentences":[{"text":"So what I will do today is I will just go through a bit of an updated fact line with you first to see if there's anything that's changed.","start":124.454994,"end":131.915,"sentiment":"neutral","sentiment_score":0.08144428316054159},{"text":"And then we'll go through a bit of an updated risk profile questionnaire.","start":132.98,"end":136.36,"sentiment":"neutral","sentiment_score":0.061939934125313394},{"text":"It's pretty straightforward, but that's just to see if we need to make any changes to your risk profile within your super.","start":136.58,"end":143.8,"sentiment":"neutral","sentiment_score":0.03359749212607064},{"text":"And then I'll kind of go through a couple of documents as well to kind of see what your super and what's happened in the last twelve months.","start":144.09999,"end":150.355,"sentiment":"neutral","sentiment_score":0.054894874803721905},{"text":"Perfect.","start":152.655,"end":153.055,"sentiment":"positive","sentiment_score":0.6848061084747314}],"sentiment":"neutral","sentiment_score":0.06589366435523956,"num_words":93,"start":124.454994,"end":153.055},{"sentences":[{"text":"So kind of bear with me as I go through the fact that I'm here with you just to see if there's anything that's changed.","start":153.055,"end":158.275,"sentiment":"neutral","sentiment_score":0.09703851258382201},{"text":"Now when it comes to your personal details, I have you down here as single with no financial dependents.","start":159.5,"end":165.84001,"sentiment":"neutral","sentiment_score":0.008818606649966617},{"text":"Is that correct?","start":165.98001,"end":166.8,"sentiment":"neutral","sentiment_score":0.04206622764468193},{"text":"Yep.","start":169.82,"end":170.3,"sentiment":"neutral","sentiment_score":0.19391635060310364},{"text":"Perfect.","start":170.3,"end":170.8,"sentiment":"positive","sentiment_score":0.3629124462604522}],"sentiment":"neutral","sentiment_score":0.06686824123964322,"num_words":49,"start":153.055,"end":170.8},{"sentences":[{"text":"Now next up, Ken, I have Hannah.","start":171.775,"end":174.355,"sentiment":"neutral","sentiment_score":0.12831706127950124},{"text":"That's still the case as well?","start":174.97499,"end":176.515,"sentiment":"neutral","sentiment_score":0.10707563161849976},{"text":"Yep.","start":177.935,"end":178.33499,"sentiment":"neutral","sentiment_score":0.04666202515363693},{"text":"Perfect.","start":178.33499,"end":178.83499,"sentiment":"neutral","sentiment_score":0.18021519482135773},{"text":"When it comes to occupation, has any of that changed in the last twelve months or still working as a driller?","start":180.015,"end":187.3,"sentiment":"neutral","sentiment_score":0.007027134698416505}],"sentiment":"neutral","sentiment_score":0.05319778520303468,"num_words":36,"start":171.775,"end":187.3},{"sentences":[{"text":"Yep.","start":189.59999,"end":190.09999,"sentiment":"neutral","sentiment_score":0.07257414609193802},{"text":"Perfect.","start":190.64,"end":191.14,"sentiment":"neutral","sentiment_score":0.19018623232841492},{"text":"I have income at about $1.90.","start":191.76,"end":193.86,"sentiment":"neutral","sentiment_score":0.08955008164048195},{"text":"Is that roughly the same?","start":195.36,"end":196.98,"sentiment":"neutral","sentiment_score":0.04679551646113396},{"text":"Yep.","start":198.52501,"end":199.005,"sentiment":"neutral","sentiment_score":0.09011481702327728}],"sentiment":"neutral","sentiment_score":0.08029666197087083,"num_words":14,"start":189.59999,"end":199.005},{"sentences":[{"text":"Perfect.","start":199.005,"end":199.505,"sentiment":"neutral","sentiment_score":0.1866409182548523},{"text":"Now assets wise, I have here a motor vehicle about 20,000.","start":200.125,"end":205.18501,"sentiment":"neutral","sentiment_score":0.06507769125429066},{"text":"Yep.","start":208.60501,"end":209.10501,"sentiment":"neutral","sentiment_score":0.053586553782224655},{"text":"A boat, 5,000, and the caravan, about 9.","start":209.84,"end":212.98,"sentiment":"neutral","sentiment_score":0.06065037380903959},{"text":"Does that all sound right?","start":213.12,"end":214.42,"sentiment":"neutral","sentiment_score":0.061258699744939804}],"sentiment":"neutral","sentiment_score":0.06721456019351116,"num_words":26,"start":199.005,"end":214.42},{"sentences":[{"text":"Perfect.","start":216.56,"end":217.06,"sentiment":"neutral","sentiment_score":0.15822049975395203},{"text":"Now do you have any other assets or any other, like, personal loans or credit cards or anything?","start":217.28,"end":224.74,"sentiment":"neutral","sentiment_score":0.002068056311044428},{"text":"Nope.","start":230.385,"end":230.885,"sentiment":"neutral","sentiment_score":-0.15233170986175537},{"text":"Perfect.","start":232.065,"end":232.465,"sentiment":"neutral","sentiment_score":-0.02916688099503517},{"text":"No.","start":232.465,"end":232.78499,"sentiment":"neutral","sentiment_score":-0.09865191578865053}],"sentiment":"neutral","sentiment_score":-0.0038502269678495154,"num_words":22,"start":216.56,"end":232.78499},{"sentences":[{"text":"The personal loans or anything else.","start":232.78499,"end":234.805,"sentiment":"neutral","sentiment_score":-0.09248706077535947},{"text":"Yes.","start":244.08,"end":244.48,"sentiment":"neutral","sentiment_score":0.007715688087046146},{"text":"Yes.","start":244.48,"end":244.98,"sentiment":"neutral","sentiment_score":0.00448470376431942},{"text":"Sorry.","start":245.04,"end":245.51999,"sentiment":"neutral","sentiment_score":-0.02453180775046349},{"text":"I can add that.","start":245.51999,"end":246.31999,"sentiment":"neutral","sentiment_score":-0.012852090876549482}],"sentiment":"neutral","sentiment_score":-0.04758939569672713,"num_words":13,"start":232.78499,"end":246.31999},{"sentences":[{"text":"Sorry.","start":246.31999,"end":246.48,"sentiment":"neutral","sentiment_score":-0.02613902278244495},{"text":"You have two two vehicles now?","start":246.48,"end":248.58,"sentiment":"neutral","sentiment_score":-0.0062002505486210184},{"text":"Yep.","start":251.53499,"end":252.03499,"sentiment":"neutral","sentiment_score":0.022220388054847717},{"text":"And how much is the the second one worth, would you say?","start":252.33499,"end":256.115,"sentiment":"neutral","sentiment_score":0.008893293871854743},{"text":"50.","start":259.85498,"end":260.35498,"sentiment":"neutral","sentiment_score":0.019990593194961548}],"sentiment":"neutral","sentiment_score":0.0040757134113283385,"num_words":21,"start":246.31999,"end":260.35498},{"sentences":[{"text":"Perfect.","start":260.495,"end":260.975,"sentiment":"neutral","sentiment_score":0.12397965788841248},{"text":"And what was the loan for?","start":260.975,"end":262.51498,"sentiment":"neutral","sentiment_score":0.03777199176450571},{"text":"About 60.","start":267.34,"end":268.16,"sentiment":"neutral","sentiment_score":0.011821134015917778},{"text":"Yeah.","start":270.38,"end":270.69998,"sentiment":"neutral","sentiment_score":0.030991919338703156},{"text":"About 60.","start":270.69998,"end":271.52,"sentiment":"neutral","sentiment_score":0.03580295108258724}],"sentiment":"neutral","sentiment_score":0.03973764150092999,"num_words":12,"start":260.495,"end":271.52},{"sentences":[{"text":"Perfect.","start":271.58,"end":272.08,"sentiment":"neutral","sentiment_score":0.1713181436061859},{"text":"Health and lifestyle wise, I have you down here as a nonsmoker.","start":274.13998,"end":277.44,"sentiment":"neutral","sentiment_score":0.08757247154911359},{"text":"Is that still the case?","start":277.66,"end":278.595,"sentiment":"neutral","sentiment_score":0.05238003358244896},{"text":"Yep.","start":280.435,"end":280.755,"sentiment":"neutral","sentiment_score":0.06760327517986298},{"text":"Perfect.","start":280.755,"end":281.23502,"sentiment":"neutral","sentiment_score":0.19877010583877563}],"sentiment":"neutral","sentiment_score":0.08752306755632162,"num_words":20,"start":271.58,"end":281.23502},{"sentences":[{"text":"And have you had any changes to your health otherwise in the last twelve months?","start":281.23502,"end":285.635,"sentiment":"neutral","sentiment_score":0.006115124622980753},{"text":"Any significant health issues or any injuries or anything, or everything's going okay?","start":285.635,"end":290.455,"sentiment":"neutral","sentiment_score":-0.047551630685820086},{"text":"No.","start":293.72998,"end":294.22998,"sentiment":"neutral","sentiment_score":-0.268080472946167},{"text":"No.","start":294.61,"end":295.11,"sentiment":"neutral","sentiment_score":-0.2132245898246765},{"text":"Perfect.","start":295.25,"end":295.75,"sentiment":"neutral","sentiment_score":-0.042312078177928925}],"sentiment":"neutral","sentiment_score":-0.03387295066192652,"num_words":31,"start":281.23502,"end":295.75},{"sentences":[{"text":"And when it comes to estate planning, do you have a will or power of attorney in place?","start":296.84998,"end":302.55,"sentiment":"neutral","sentiment_score":-0.00681778271165159},{"text":"A will in place or, like, a power of attorney?","start":307.265,"end":310.725,"sentiment":"neutral","sentiment_score":-0.05807331539690495},{"text":"That's okay.","start":316.78,"end":317.68002,"sentiment":"neutral","sentiment_score":-0.07530168816447258},{"text":"On the to do list.","start":318.30002,"end":319.52002,"sentiment":"neutral","sentiment_score":-0.03713976740837097},{"text":"But you don't have anyone who makes any, you know, financial decisions on your behalf otherwise?","start":321.02002,"end":325.44,"sentiment":"neutral","sentiment_score":-0.08430227893404663}],"sentiment":"neutral","sentiment_score":-0.04683513566851616,"num_words":51,"start":296.84998,"end":325.44},{"sentences":[{"text":"No.","start":327.34003,"end":327.84003,"sentiment":"neutral","sentiment_score":-0.2148271203041077},{"text":"No.","start":328.095,"end":328.33502,"sentiment":"neutral","sentiment_score":-0.08450941741466522},{"text":"Perfect.","start":328.33502,"end":328.83502,"sentiment":"positive","sentiment_score":0.35139504075050354},{"text":"Perfect.","start":329.45502,"end":329.95502,"sentiment":"neutral","sentiment_score":0.29712146520614624},{"text":"And are you politically exposed at all or earn an income from overseas?","start":331.05502,"end":335.23502,"sentiment":"neutral","sentiment_score":0.011416661051603464}],"sentiment":"neutral","sentiment_score":0.0292703859946307,"num_words":17,"start":327.34003,"end":335.23502},{"sentences":[{"text":"No.","start":338.015,"end":338.33502,"sentiment":"neutral","sentiment_score":0.02163480408489704},{"text":"Perfect.","start":338.33502,"end":338.83502,"sentiment":"neutral","sentiment_score":0.1871568262577057},{"text":"And I guess when it comes to kind of goals and stuff that you are working towards, when we spoke to you last during your interview, you kind of mentioned that your focus was to kind of build up a little bit of a savings account just to have that in place if there's, you know, some unforeseen circumstances or anything.","start":339.77502,"end":358.38,"sentiment":"neutral","sentiment_score":0.015402471158103864},{"text":"Is that still kind of the the goal for yourself?","start":358.73502,"end":361.475,"sentiment":"neutral","sentiment_score":0.016389188542962074},{"text":"Okay.","start":367.05502,"end":367.55502,"sentiment":"neutral","sentiment_score":0.006512237712740898}],"sentiment":"neutral","sentiment_score":0.017820898569314868,"num_words":74,"start":338.015,"end":367.55502},{"sentences":[{"text":"Yeah.","start":372.27,"end":372.77,"sentiment":"neutral","sentiment_score":-0.02234426885843277},{"text":"Yeah.","start":375.15,"end":375.47,"sentiment":"neutral","sentiment_score":0.00324271060526371},{"text":"No.","start":375.47,"end":375.71,"sentiment":"neutral","sentiment_score":-0.03740188479423523},{"text":"That's okay.","start":375.71,"end":376.61,"sentiment":"neutral","sentiment_score":0.020183417946100235},{"text":"So what would you say, I guess, in the next twelve months or couple of years?","start":376.75,"end":380.83,"sentiment":"neutral","sentiment_score":0.011824005749076605}],"sentiment":"neutral","sentiment_score":0.008240356420477232,"num_words":21,"start":372.27,"end":380.83},{"sentences":[{"text":"Is there, like, a focus for you?","start":380.83,"end":383.535,"sentiment":"neutral","sentiment_score":0.022367488592863083},{"text":"Is that to pay down the personal loan, or what kind of something that you yeah.","start":383.535,"end":388.91498,"sentiment":"neutral","sentiment_score":0.036097567761316895},{"text":"Focus on paying up.","start":389.13498,"end":390.435,"sentiment":"neutral","sentiment_score":0.07637447211891413},{"text":"Yeah.","start":390.735,"end":391.235,"sentiment":"neutral","sentiment_score":0.1299465000629425},{"text":"Perfect.","start":391.29498,"end":391.79498,"sentiment":"neutral","sentiment_score":0.24729810655117035}],"sentiment":"neutral","sentiment_score":0.048857793083478665,"num_words":29,"start":380.83,"end":391.79498},{"sentences":[{"text":"Anything else that you're working towards?","start":392.655,"end":394.51498,"sentiment":"neutral","sentiment_score":0.12273364514112473},{"text":"No.","start":397.63,"end":398.03,"sentiment":"neutral","sentiment_score":-0.07750903069972992},{"text":"No.","start":398.03,"end":398.53,"sentiment":"neutral","sentiment_score":-0.04585965722799301},{"text":"Perfect.","start":400.19,"end":400.69,"sentiment":"neutral","sentiment_score":0.0808703601360321},{"text":"Now, otherwise, are you still kind of planning on retiring at around 60?","start":402.19,"end":407.81,"sentiment":"neutral","sentiment_score":-0.005435490980744362}],"sentiment":"neutral","sentiment_score":0.02832918910479004,"num_words":22,"start":392.655,"end":407.81},{"sentences":[{"text":"Yep.","start":414.14502,"end":414.64502,"sentiment":"neutral","sentiment_score":0.01029953733086586},{"text":"Yeah.","start":418.14502,"end":418.64502,"sentiment":"neutral","sentiment_score":0.032053906470537186},{"text":"So with the current legislation, if you're eligible for age pension, it's eight sixty seven.","start":418.70502,"end":425.80002,"sentiment":"neutral","sentiment_score":0.041100624079505606},{"text":"Otherwise, 60 if you stop working is when you can start accessing some of your superannuation.","start":426.42,"end":431.64,"sentiment":"neutral","sentiment_score":0.004358935984782875},{"text":"Yep.","start":434.035,"end":434.535,"sentiment":"neutral","sentiment_score":0.10734549164772034}],"sentiment":"neutral","sentiment_score":0.024586802129359805,"num_words":34,"start":414.14502,"end":434.535},{"sentences":[{"text":"Perfect.","start":434.915,"end":435.415,"sentiment":"neutral","sentiment_score":0.10167951881885529},{"text":"Now with your superannuation, I do have a couple of multiple choice question here for you, Brendan.","start":436.115,"end":441.175,"sentiment":"neutral","sentiment_score":0.08631111089797582},{"text":"It is pretty straightforward.","start":441.315,"end":442.535,"sentiment":"neutral","sentiment_score":0.28321192413568497},{"text":"So if if it doesn't make sense, so let me know.","start":442.995,"end":446.375,"sentiment":"neutral","sentiment_score":0.02597733891823075},{"text":"There is no right or wrong answer either.","start":446.62997,"end":449.19,"sentiment":"neutral","sentiment_score":-0.07849750574678183}],"sentiment":"neutral","sentiment_score":0.057550897140328475,"num_words":41,"start":434.915,"end":449.19},{"sentences":[{"text":"It's just whatever you feel is the most appropriate for you.","start":449.19,"end":452.87,"sentiment":"neutral","sentiment_score":0.15911803936416452},{"text":"Does that make sense?","start":452.87,"end":453.93,"sentiment":"neutral","sentiment_score":0.1194954439997673},{"text":"Yep.","start":455.11,"end":455.50998,"sentiment":"neutral","sentiment_score":0.26436135172843933},{"text":"Perfect.","start":455.50998,"end":456.00998,"sentiment":"positive","sentiment_score":0.632521390914917},{"text":"Now when it comes to superannuation, how much risk are you willing to take in order to make sure that, you know, you stay on top of the rising prices and inflation and everything like that?","start":456.62997,"end":468.855,"sentiment":"neutral","sentiment_score":0.11409877737363179}],"sentiment":"neutral","sentiment_score":0.1364663950396034,"num_words":53,"start":449.19,"end":468.855},{"sentences":[{"text":"Or would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk order to try to make sure that everything keeps growing for you.","start":469.235,"end":478.86,"sentiment":"neutral","sentiment_score":0.13127968381300117},{"text":"High.","start":481.63998,"end":482.13998,"sentiment":"neutral","sentiment_score":0.12704899907112122},{"text":"Yep.","start":482.36,"end":482.84,"sentiment":"neutral","sentiment_score":0.2269585132598877},{"text":"Perfect.","start":482.84,"end":483.34,"sentiment":"positive","sentiment_score":0.4688893854618073},{"text":"And if you place an investment, and after six months, you found out that your portfolio has gone down by 20% due to general trends in the market, so not one particular investment that's gone bad, just kind of the market as a whole, If you had the option to do so, would you think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped?","start":485.15997,"end":517.305,"sentiment":"neutral","sentiment_score":0.03229159643908717}],"sentiment":"neutral","sentiment_score":0.060408702015247145,"num_words":142,"start":469.235,"end":517.305},{"sentences":[{"text":"White and see?","start":523.445,"end":524.345,"sentiment":"neutral","sentiment_score":0.0021990817040205},{"text":"Yeah.","start":525.045,"end":525.545,"sentiment":"neutral","sentiment_score":0.09431412816047668},{"text":"Yeah.","start":525.605,"end":526.005,"sentiment":"neutral","sentiment_score":0.20425376296043396},{"text":"Great.","start":526.005,"end":526.505,"sentiment":"positive","sentiment_score":0.4181645512580872},{"text":"And when it comes to, you know, fluctuation and investments going down in value, if you ever noticed that at any point in time, would you think it would make you feel optimistic about future opportunities, a bit more neutral, you know, not making any further investments, concerned, or highly anxious?","start":528.2,"end":553.53503,"sentiment":"neutral","sentiment_score":0.18955382083853087}],"sentiment":"neutral","sentiment_score":0.18229078158344092,"num_words":57,"start":523.445,"end":553.53503},{"sentences":[{"text":"Yeah.","start":562.57,"end":563.07,"sentiment":"neutral","sentiment_score":0.025409843772649765},{"text":"Yep.","start":566.505,"end":567.005,"sentiment":"neutral","sentiment_score":0.029818063601851463},{"text":"Yeah.","start":567.945,"end":568.445,"sentiment":"neutral","sentiment_score":0.08310270309448242},{"text":"If it's obviously, because you're super is that long term investment and if it is kind of, you know, research and solid investment, so not like a a risky investment, so to say, Would you how would you feel?","start":569.22504,"end":584.56,"sentiment":"neutral","sentiment_score":0.03710948924223582},{"text":"And I know it's sometimes hard because it's theorens depending on what's going on.","start":584.56,"end":589.14,"sentiment":"neutral","sentiment_score":-0.2434048397200448}],"sentiment":"neutral","sentiment_score":-0.03253691187793655,"num_words":56,"start":562.57,"end":589.14},{"sentences":[{"text":"It's more to see how how you would feel in that situation, like how your, you know, behavior and stuff would be.","start":590.0,"end":596.66,"sentiment":"neutral","sentiment_score":-0.02158376659181985},{"text":"As long as it's not, you know, a super risky investment, would you say that you'd be a bit more neutral, or would you lean more towards the concerned aspect?","start":597.835,"end":606.09503,"sentiment":"neutral","sentiment_score":-0.047558939270675185},{"text":"Neutral.","start":608.955,"end":609.455,"sentiment":"neutral","sentiment_score":0.09426695108413696},{"text":"Yes.","start":613.81995,"end":614.31995,"sentiment":"neutral","sentiment_score":0.1194901317358017},{"text":"Yeah.","start":617.42,"end":617.92,"sentiment":"neutral","sentiment_score":0.05614187568426132}],"sentiment":"neutral","sentiment_score":-0.029667492447928948,"num_words":55,"start":590.0,"end":617.92},{"sentences":[{"text":"Yep.","start":619.42,"end":619.92,"sentiment":"neutral","sentiment_score":0.06493290513753891},{"text":"Yes.","start":620.62,"end":621.12,"sentiment":"neutral","sentiment_score":0.03457116335630417},{"text":"It's a bit tricky, that one.","start":621.5,"end":623.01996,"sentiment":"neutral","sentiment_score":-0.11734761546055476},{"text":"No.","start":623.01996,"end":623.18,"sentiment":"neutral","sentiment_score":-0.1365129053592682},{"text":"That makes sense.","start":623.18,"end":624.13995,"sentiment":"neutral","sentiment_score":-0.009090837091207506}],"sentiment":"neutral","sentiment_score":-0.06403058674186468,"num_words":12,"start":619.42,"end":624.13995},{"sentences":[{"text":"Perfect.","start":624.13995,"end":624.63995,"sentiment":"neutral","sentiment_score":0.26908475160598755},{"text":"And last one here is borrowing money.","start":625.685,"end":628.085,"sentiment":"neutral","sentiment_score":0.09695099240967206},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":628.085,"end":632.425,"sentiment":"neutral","sentiment_score":0.03648664516707261},{"text":"No.","start":636.325,"end":636.825,"sentiment":"neutral","sentiment_score":-0.16295604407787323},{"text":"No.","start":637.38,"end":637.88,"sentiment":"neutral","sentiment_score":-0.13155093789100647}],"sentiment":"neutral","sentiment_score":0.04802137576043606,"num_words":25,"start":624.13995,"end":637.88},{"sentences":[{"text":"Yep.","start":642.58,"end":643.08,"sentiment":"neutral","sentiment_score":0.004064879845827818},{"text":"Yeah.","start":644.74005,"end":645.24005,"sentiment":"neutral","sentiment_score":-0.0029605701565742493},{"text":"No.","start":646.10004,"end":646.34,"sentiment":"neutral","sentiment_score":-0.02798574790358543},{"text":"That's fine.","start":646.34,"end":647.32,"sentiment":"neutral","sentiment_score":0.06085403636097908},{"text":"And the would you ever be open to borrow for an investment property?","start":647.62,"end":651.08,"sentiment":"neutral","sentiment_score":0.0077412264564862615}],"sentiment":"neutral","sentiment_score":0.01085903213566376,"num_words":18,"start":642.58,"end":651.08},{"sentences":[{"text":"No.","start":668.01996,"end":668.51996,"sentiment":"neutral","sentiment_score":-0.03961373493075371},{"text":"Now that Brandon, that tells me here that you have come out as a growth investor.","start":669.54,"end":673.48,"sentiment":"neutral","sentiment_score":-0.0014895147178322077},{"text":"And at the moment, we have you invested in a high growth portfolio.","start":674.58,"end":678.27997,"sentiment":"neutral","sentiment_score":0.010532200766297488},{"text":"Do you know the difference between those two at all?","start":678.875,"end":681.615,"sentiment":"neutral","sentiment_score":-0.012813730537891388},{"text":"No.","start":687.995,"end":688.315,"sentiment":"neutral","sentiment_score":-0.1703357696533203}],"sentiment":"neutral","sentiment_score":-0.005487815499669168,"num_words":41,"start":668.01996,"end":688.315},{"sentences":[{"text":"No.","start":688.315,"end":688.71497,"sentiment":"neutral","sentiment_score":-0.1736992597579956},{"text":"No.","start":688.71497,"end":689.035,"sentiment":"neutral","sentiment_score":-0.1565922200679779},{"text":"That's okay.","start":689.035,"end":689.935,"sentiment":"neutral","sentiment_score":-0.061393069103360176},{"text":"Well, basically, they're both kind of similar in that you are, you know, looking at getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement.","start":692.41,"end":702.99,"sentiment":"neutral","sentiment_score":0.013495836946132937},{"text":"Yeah.","start":706.685,"end":707.185,"sentiment":"neutral","sentiment_score":-0.018361248075962067}],"sentiment":"neutral","sentiment_score":0.0009628590196371078,"num_words":43,"start":688.315,"end":707.185},{"sentences":[{"text":"Yeah.","start":707.805,"end":708.305,"sentiment":"neutral","sentiment_score":-0.01594698615372181},{"text":"I guess it depends on as well time frames as well.","start":709.565,"end":713.325,"sentiment":"neutral","sentiment_score":-0.016634924506599254},{"text":"So what we are also looking at is, you know, how long until you wanna completely retire as well.","start":713.325,"end":719.66504,"sentiment":"neutral","sentiment_score":0.02661115636951045},{"text":"Yeah.","start":720.81,"end":721.31,"sentiment":"neutral","sentiment_score":0.032138653099536896},{"text":"And, also, you know, comfortable seeing a bit of short term fluctuation to make sure that long term, it continues to to maximize that growth for you.","start":722.00995,"end":732.02997,"sentiment":"neutral","sentiment_score":0.2510795584983296}],"sentiment":"neutral","sentiment_score":0.1206435177601495,"num_words":59,"start":707.805,"end":732.02997},{"sentences":[{"text":"But if we are looking at a time frame, so in a growth portfolio, we see about six years until retirement.","start":732.735,"end":739.635,"sentiment":"neutral","sentiment_score":0.05718150025322324},{"text":"And in a high yeah?","start":740.815,"end":742.835,"sentiment":"neutral","sentiment_score":0.14710350781679155},{"text":"Yep.","start":751.71,"end":752.21,"sentiment":"neutral","sentiment_score":0.24432061612606049},{"text":"Yeah.","start":761.88495,"end":762.365,"sentiment":"neutral","sentiment_score":0.14223113656044006},{"text":"Yeah.","start":762.365,"end":762.865,"sentiment":"neutral","sentiment_score":0.15069395303726196}],"sentiment":"neutral","sentiment_score":0.08529568103880718,"num_words":29,"start":732.735,"end":762.865},{"sentences":[{"text":"So you're quite comfortable.","start":765.245,"end":766.38495,"sentiment":"neutral","sentiment_score":0.3210243582725525},{"text":"Yeah.","start":767.165,"end":767.665,"sentiment":"neutral","sentiment_score":0.1202777624130249},{"text":"Yeah.","start":768.20496,"end":768.70496,"sentiment":"neutral","sentiment_score":0.08213675022125244},{"text":"Yeah.","start":770.11,"end":770.58997,"sentiment":"neutral","sentiment_score":0.233185276389122},{"text":"Oh, that's perfect.","start":770.58997,"end":771.55,"sentiment":"positive","sentiment_score":0.6300034523010254}],"sentiment":"positive","sentiment_score":0.36097075790166855,"num_words":10,"start":765.245,"end":771.55},{"sentences":[{"text":"It's nice when you have that.","start":771.55,"end":772.67,"sentiment":"positive","sentiment_score":0.6868184904257456},{"text":"And because otherwise, in a high growth, which is what you currently have are invested in, we're looking about at eight years until retirement.","start":772.67,"end":779.89,"sentiment":"neutral","sentiment_score":0.17878573387861252},{"text":"And when we are kind of looking at asset allocations to how your money is invested, in a high growth, we see about 90% invested in what we would call your growth investment.","start":781.96497,"end":792.94495,"sentiment":"neutral","sentiment_score":0.1693541951703303},{"text":"So that will be things like Australian chef, international chef, and property and commodity.","start":793.40497,"end":799.20996,"sentiment":"neutral","sentiment_score":0.18079984507390431},{"text":"And that is kind of what's going to, you know, grow that super for you.","start":799.82996,"end":803.05,"sentiment":"neutral","sentiment_score":0.2592614904046059}],"sentiment":"neutral","sentiment_score":0.22196279547136763,"num_words":92,"start":771.55,"end":803.05},{"sentences":[{"text":"And then we have that 10% more the defensive, like your cash, your gold, your fixed interest, limit fluctuations a little 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you?","start":818.04504,"end":832.27997,"sentiment":"neutral","sentiment_score":0.04870173566647478},{"text":"Nope.","start":834.42,"end":834.82,"sentiment":"neutral","sentiment_score":-0.14892742037773132},{"text":"Happy.","start":834.82,"end":835.32,"sentiment":"neutral","sentiment_score":0.08466949313879013}],"sentiment":"neutral","sentiment_score":0.08864380743402939,"num_words":77,"start":803.58997,"end":835.32},{"sentences":[{"text":"Yep.","start":835.62,"end":836.12,"sentiment":"neutral","sentiment_score":0.08852122724056244},{"text":"Perfect.","start":836.25995,"end":836.75995,"sentiment":"neutral","sentiment_score":0.2642866373062134},{"text":"Now do you have access to your emails at the moment or not really right now?","start":838.115,"end":842.455,"sentiment":"neutral","sentiment_score":0.012638913583941758},{"text":"Perfect.","start":847.075,"end":847.575,"sentiment":"neutral","sentiment_score":0.3058115541934967},{"text":"Speak me to it.","start":847.875,"end":848.935,"sentiment":"neutral","sentiment_score":0.0947084633517079}],"sentiment":"neutral","sentiment_score":0.05389895171696401,"num_words":23,"start":835.62,"end":848.935},{"sentences":[{"text":"Now with the email, it might look a little bit different to what it did last time because we have changed the software a little bit.","start":850.32,"end":857.06,"sentiment":"neutral","sentiment_score":-0.0032479270146443294},{"text":"But, essentially, before you click on the link where it says sign now, at the bottom of that email, do you see a couple of attachments?","start":857.92004,"end":865.94,"sentiment":"neutral","sentiment_score":0.025428708248700086},{"text":"Yeah.","start":876.615,"end":877.015,"sentiment":"neutral","sentiment_score":-0.10272275656461716},{"text":"Just so I can kind of talk to see those documents there for you.","start":877.015,"end":880.38,"sentiment":"neutral","sentiment_score":0.012276109840188707},{"text":"Yes.","start":887.98,"end":888.48,"sentiment":"neutral","sentiment_score":0.07218626141548157}],"sentiment":"neutral","sentiment_score":0.010559255216161119,"num_words":68,"start":850.32,"end":888.48},{"sentences":[{"text":"So if you want to open o two services guide, if you can see that one, it should be, like, the first one, I believe.","start":888.78,"end":896.08,"sentiment":"neutral","sentiment_score":0.09064966797828675},{"text":"Can you see that one?","start":897.305,"end":898.685,"sentiment":"neutral","sentiment_score":0.033933358266949654},{"text":"Yes.","start":898.985,"end":899.485,"sentiment":"neutral","sentiment_score":0.07010120898485184},{"text":"Yes.","start":900.34503,"end":900.84503,"sentiment":"neutral","sentiment_score":0.08903159201145172},{"text":"So you would have seen this one before.","start":900.985,"end":902.985,"sentiment":"neutral","sentiment_score":0.10371668543666601}],"sentiment":"neutral","sentiment_score":0.08561936938203871,"num_words":40,"start":888.78,"end":902.985},{"sentences":[{"text":"It's one of those kind of compliance documents.","start":902.985,"end":905.085,"sentiment":"neutral","sentiment_score":0.08119545644149184},{"text":"But, basically, everything that you need to know about us is in here.","start":905.465,"end":908.905,"sentiment":"neutral","sentiment_score":0.13850451031556496},{"text":"So all the important information, everything about the team, our directors, our advisers, everything is in there.","start":908.905,"end":915.81995,"sentiment":"neutral","sentiment_score":0.14394545292153077},{"text":"Now if you want to scroll down to page see 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Tommy.","start":929.02496,"end":932.625,"sentiment":"neutral","sentiment_score":0.13810577367742857}],"sentiment":"neutral","sentiment_score":0.1638372426523882,"num_words":17,"start":926.225,"end":932.625},{"sentences":[{"text":"And then on the following page after that, you will see myself next to Dana.","start":932.625,"end":938.08496,"sentiment":"neutral","sentiment_score":0.15091019620498022},{"text":"And sometimes it's nice to put a face to the boy.","start":938.88,"end":941.38,"sentiment":"neutral","sentiment_score":0.1876105178486217},{"text":"Yeah.","start":943.04004,"end":943.54004,"sentiment":"neutral","sentiment_score":0.08455491065979004},{"text":"Yeah.","start":944.48004,"end":944.98004,"sentiment":"neutral","sentiment_score":0.08560842275619507},{"text":"There you go.","start":945.92004,"end":946.9,"sentiment":"neutral","sentiment_score":0.08256326864163081}],"sentiment":"neutral","sentiment_score":0.1530716702822716,"num_words":31,"start":932.625,"end":946.9},{"sentences":[{"text":"Now, otherwise, the second attachment, you should see services guide version four.","start":948.16003,"end":954.585,"sentiment":"neutral","sentiment_score":0.05157078771541516},{"text":"I won't get you to open that.","start":954.80505,"end":956.085,"sentiment":"neutral","sentiment_score":0.01818493487579482},{"text":"It's just like a smaller version of the other one.","start":956.085,"end":958.905,"sentiment":"neutral","sentiment_score":0.030847932025790215},{"text":"Again, just one of those compliance documents, but it is good to have it there if you ever do wanna go back and have a read over it.","start":958.965,"end":965.22504,"sentiment":"neutral","sentiment_score":0.22945428559822695},{"text":"But, otherwise, if you can open the one that says performance with IRR.","start":966.45996,"end":970.39996,"sentiment":"neutral","sentiment_score":0.06953275261016992}],"sentiment":"neutral","sentiment_score":0.1197609871093716,"num_words":70,"start":948.16003,"end":970.39996},{"sentences":[{"text":"Can you see that okay?","start":970.62,"end":971.92,"sentiment":"neutral","sentiment_score":0.07321477234363556},{"text":"It should have twenty twenty six.","start":983.115,"end":985.055,"sentiment":"neutral","sentiment_score":0.0505539458245039},{"text":"Yeah.","start":986.875,"end":987.275,"sentiment":"positive","sentiment_score":0.36220890283584595},{"text":"Perfect.","start":987.275,"end":987.775,"sentiment":"positive","sentiment_score":0.5109092593193054},{"text":"And is that the one that shows you the investments in Netwealth, like a bit of a report in Netwealth?","start":988.235,"end":993.215,"sentiment":"neutral","sentiment_score":0.21393668167293073}],"sentiment":"neutral","sentiment_score":0.17640149491754445,"num_words":33,"start":970.62,"end":993.215},{"sentences":[{"text":"Yeah.","start":994.57996,"end":995.06,"sentiment":"positive","sentiment_score":0.36952096223831177},{"text":"Perfect.","start":995.06,"end":995.56,"sentiment":"positive","sentiment_score":0.5908730626106262},{"text":"So this one might look a little bit messy sometimes, but it basically shows you all your investments and kind of what's happened in the last, twelve months.","start":995.77997,"end":1004.04,"sentiment":"neutral","sentiment_score":0.1439393368948783},{"text":"So, basically, kind of at a at a high level, your portfolio is structured across, you know, three different, key areas.","start":1005.825,"end":1012.565,"sentiment":"neutral","sentiment_score":0.15059430187656767},{"text":"So first, you got your, you know, your growth assets, which kind of makes up the majority of the portfolio.","start":1013.10504,"end":1018.325,"sentiment":"neutral","sentiment_score":0.16823224648833274}],"sentiment":"neutral","sentiment_score":0.16222282714197334,"num_words":71,"start":994.57996,"end":1018.325},{"sentences":[{"text":"So you'll have your Australian shares, international markets, like a bit of US, bit of Europe, and bit of Japan for diversification for you.","start":1018.97003,"end":1027.79,"sentiment":"neutral","sentiment_score":0.2131797932088375},{"text":"And those are really the the engine driving your long term return.","start":1028.41,"end":1032.67,"sentiment":"neutral","sentiment_score":0.31941025083263713},{"text":"And then you do have diversifiers.","start":1033.215,"end":1035.235,"sentiment":"neutral","sentiment_score":0.2178613618016243},{"text":"So you have that gold, which kind of help protect the portfolio during periods of uncertainty and volatility.","start":1035.535,"end":1041.5549,"sentiment":"neutral","sentiment_score":0.19305285273326767},{"text":"So we've had, obviously, a bit of a turbulence last twelve months with everything going on in the world.","start":1041.615,"end":1045.955,"sentiment":"neutral","sentiment_score":-0.15149733424186707}],"sentiment":"neutral","sentiment_score":0.13737858501793462,"num_words":79,"start":1018.97003,"end":1045.955},{"sentences":[{"text":"First, obviously, you had everything in The US with Trump and the tariffs and everything, and, obviously, more recently, the war and stuff.","start":1046.61,"end":1053.57,"sentiment":"neutral","sentiment_score":-0.04759383485045122},{"text":"So had a bit of that turbulence in the last twelve months.","start":1053.57,"end":1056.95,"sentiment":"neutral","sentiment_score":-0.07150551894058783},{"text":"But in terms of your portfolio, so despite there being a bit of fluctuation in the last twelve months, your portfolio has still been positive, which is great.","start":1058.21,"end":1067.255,"sentiment":"neutral","sentiment_score":0.3172794612390654},{"text":"So it's still kind of delivered kind of a modest return of about 4.5% off the fee.","start":1067.475,"end":1074.45,"sentiment":"positive","sentiment_score":0.4034304092912113},{"text":"And that is still pretty good given that it came during a fairly mixed market environment.","start":1076.37,"end":1082.23,"sentiment":"positive","sentiment_score":0.5186072010546923}],"sentiment":"neutral","sentiment_score":0.23007429854866737,"num_words":96,"start":1046.61,"end":1082.23},{"sentences":[{"text":"So your exposures to The US, they delivered very good solid returns.","start":1082.7699,"end":1089.11,"sentiment":"positive","sentiment_score":0.5609143575032552},{"text":"Japan and Europe, which you will see here as well, that was also very good.","start":1089.525,"end":1094.025,"sentiment":"positive","sentiment_score":0.4807115336259206},{"text":"The the area that kind of underperformed a little bit was the Australian market.","start":1094.725,"end":1099.785,"sentiment":"neutral","sentiment_score":0.11131884157657623},{"text":"Now did you see an email that we sent through?","start":1100.645,"end":1104.8,"sentiment":"neutral","sentiment_score":0.0186177272349596},{"text":"It was about the March 13.","start":1105.1001,"end":1107.4401,"sentiment":"neutral","sentiment_score":0.0134322556356589}],"sentiment":"neutral","sentiment_score":0.2766119277660261,"num_words":57,"start":1082.7699,"end":1107.4401},{"sentences":[{"text":"Completely fine if you didn't, but it was an email in regards to an investment change that we made for you.","start":1108.62,"end":1114.56,"sentiment":"neutral","sentiment_score":0.10600004407266776},{"text":"Yes.","start":1116.6849,"end":1117.1849,"sentiment":"neutral","sentiment_score":0.07178319990634918},{"text":"Yes.","start":1122.605,"end":1123.105,"sentiment":"neutral","sentiment_score":0.12585976719856262},{"text":"Good.","start":1123.965,"end":1124.465,"sentiment":"positive","sentiment_score":0.4040313959121704},{"text":"It wasn't anything you had to ask, and it was just for your reference.","start":1124.6849,"end":1127.825,"sentiment":"neutral","sentiment_score":0.08754200601418104}],"sentiment":"neutral","sentiment_score":0.1066648255984642,"num_words":38,"start":1108.62,"end":1127.825},{"sentences":[{"text":"And that is that one one of those investments that kind of had underperformed a little bit.","start":1128.5299,"end":1133.27,"sentiment":"neutral","sentiment_score":0.09629472761469729},{"text":"We we did a lot of research, and the investment committee made the decision as well to swap that out for a better performing one.","start":1133.8099,"end":1141.245,"sentiment":"neutral","sentiment_score":0.15273834586143495},{"text":"So we have already gone ahead and make that change for you.","start":1141.965,"end":1145.585,"sentiment":"neutral","sentiment_score":0.253045121828715},{"text":"So what we changed was just one investment, which was the Benelong Australian equity, and what we swapped it for was the BetaShares Australia two hundred.","start":1146.285,"end":1156.145,"sentiment":"neutral","sentiment_score":0.09729192019082032},{"text":"So still keeping it in the Australian market, but the the BetaShares Australia two hundred, it was a little bit cheaper for you because it doesn't have the same active component, but, also, it it was better performing, which is good.","start":1156.58,"end":1172.235,"sentiment":"neutral","sentiment_score":0.24081195273050449}],"sentiment":"neutral","sentiment_score":0.1726850451639861,"num_words":121,"start":1128.5299,"end":1172.235},{"sentences":[{"text":"So the investment committee, like I said, did all that research on the investment, and we didn't really foresee Ben along kind of coming back around.","start":1173.275,"end":1181.595,"sentiment":"neutral","sentiment_score":0.1631391727580474},{"text":"So we made the decision to change it for you, which will see, you know, things moving forward look a bit better for you as well.","start":1181.595,"end":1189.39,"sentiment":"positive","sentiment_score":0.3965894367832404},{"text":"So you didn't have to change or or sign anything, but it's just for your reference so that you do know, you know, the reasons of why which, you know, did make that investment and what we changed it for.","start":1189.61,"end":1199.7949,"sentiment":"neutral","sentiment_score":0.12362815914675593},{"text":"So that was just one of those investments there for you.","start":1199.7949,"end":1202.5349,"sentiment":"neutral","sentiment_score":0.17346955226226288},{"text":"That's basically what that what that email was.","start":1202.755,"end":1205.155,"sentiment":"neutral","sentiment_score":0.10785565990954638}],"sentiment":"neutral","sentiment_score":0.20062234746040525,"num_words":111,"start":1173.275,"end":1205.155},{"sentences":[{"text":"But, overall, though, the portfolio, like I said, has done pretty good considering the last twelve months, and it is kind of, you know, very good and well positioned from a long term perspective.","start":1205.155,"end":1217.8401,"sentiment":"positive","sentiment_score":0.4519303809194004},{"text":"And that is kind of how we, you know, do expect a well diversified portfolio to behave.","start":1218.3,"end":1223.76,"sentiment":"positive","sentiment_score":0.4336750577477848},{"text":"So overall, you know, quite happy with with everything.","start":1224.6201,"end":1227.76,"sentiment":"positive","sentiment_score":0.6360759139060974},{"text":"Do you have any questions in regards to any of that?","start":1228.915,"end":1231.495,"sentiment":"neutral","sentiment_score":0.055328296328132805},{"text":"No.","start":1233.555,"end":1233.9551,"sentiment":"neutral","sentiment_score":-0.050984665751457214}],"sentiment":"positive","sentiment_score":0.40306137155534494,"num_words":72,"start":1205.155,"end":1233.9551},{"sentences":[{"text":"Makes sense.","start":1233.9551,"end":1234.8351,"sentiment":"neutral","sentiment_score":-0.06826730258762836},{"text":"No.","start":1234.8351,"end":1235.3151,"sentiment":"neutral","sentiment_score":0.02051001973450184},{"text":"Perfect.","start":1235.3151,"end":1235.8151,"sentiment":"neutral","sentiment_score":0.27002185583114624},{"text":"Yeah.","start":1236.755,"end":1237.255,"sentiment":"neutral","sentiment_score":0.14037489891052246},{"text":"Now the the next one for you there, Brendan, is a bit of a super summary.","start":1238.275,"end":1243.13,"sentiment":"neutral","sentiment_score":0.12502160482108593}],"sentiment":"neutral","sentiment_score":0.10927227840182327,"num_words":21,"start":1233.9551,"end":1243.13},{"sentences":[{"text":"Can you see that one?","start":1243.1901,"end":1244.41,"sentiment":"neutral","sentiment_score":0.05899556428194046},{"text":"Yeah.","start":1245.67,"end":1246.0701,"sentiment":"neutral","sentiment_score":0.15427592396736145},{"text":"Perfect.","start":1246.0701,"end":1246.5701,"sentiment":"neutral","sentiment_score":0.3044695258140564},{"text":"Now this document was prepared on the April 13, and at that time, you had 200 and 7,000 7 hundred and 11 in your Netwealth account.","start":1247.43,"end":1258.01,"sentiment":"neutral","sentiment_score":0.13114451874907201},{"text":"But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993.","start":1258.605,"end":1268.785,"sentiment":"positive","sentiment_score":0.41218009254624766}],"sentiment":"neutral","sentiment_score":0.26470411918126047,"num_words":64,"start":1243.1901,"end":1268.785},{"sentences":[{"text":"Yep.","start":1270.365,"end":1270.71,"sentiment":"neutral","sentiment_score":0.17468975484371185},{"text":"Perfect.","start":1270.95,"end":1271.45,"sentiment":"positive","sentiment_score":0.4757649004459381},{"text":"Now the last one here is then your Vanguard index chart.","start":1272.47,"end":1276.3099,"sentiment":"neutral","sentiment_score":0.1794953549450094},{"text":"Can you see that one?","start":1276.3099,"end":1277.45,"sentiment":"neutral","sentiment_score":0.10546185970306396},{"text":"Yep.","start":1278.87,"end":1279.37,"sentiment":"neutral","sentiment_score":0.11884306371212006}],"sentiment":"neutral","sentiment_score":0.1721608379953786,"num_words":19,"start":1270.365,"end":1279.37},{"sentences":[{"text":"Perfect.","start":1279.4299,"end":1279.9299,"sentiment":"neutral","sentiment_score":0.2516874670982361},{"text":"Now you probably have seen this one before, but it's a bit just a bit of an updated version.","start":1280.23,"end":1285.2899,"sentiment":"neutral","sentiment_score":0.12609136928068965},{"text":"But it is just kind of a good visual representation of what we are talking about when we are talking about the market.","start":1285.785,"end":1291.9651,"sentiment":"neutral","sentiment_score":0.18781262765760007},{"text":"And, basically, you can see here that over the long term, the market always goes up.","start":1292.505,"end":1297.645,"sentiment":"neutral","sentiment_score":0.07161046890541911},{"text":"The short term, you will have some ups and downs and market fluctuations.","start":1297.76,"end":1301.4601,"sentiment":"neutral","sentiment_score":0.02774091251194477}],"sentiment":"neutral","sentiment_score":0.11768768450969623,"num_words":72,"start":1279.4299,"end":1301.4601},{"sentences":[{"text":"Yep.","start":1303.52,"end":1303.92,"sentiment":"neutral","sentiment_score":0.0278584286570549},{"text":"Kath, any questions?","start":1303.92,"end":1304.9801,"sentiment":"neutral","sentiment_score":0.023710652564962704},{"text":"No.","start":1306.88,"end":1307.12,"sentiment":"neutral","sentiment_score":-0.07482892274856567},{"text":"Makes sense.","start":1307.12,"end":1307.9401,"sentiment":"neutral","sentiment_score":-0.04559134691953659},{"text":"Perfect.","start":1308.0,"end":1308.5,"sentiment":"neutral","sentiment_score":0.21433919668197632}],"sentiment":"neutral","sentiment_score":0.01841474580578506,"num_words":8,"start":1303.52,"end":1308.5},{"sentences":[{"text":"Now the last thing then is if you are happy to do so, if you wanna click on the link where it says sign now, it will ask you to sign through document.","start":1309.04,"end":1318.555,"sentiment":"neutral","sentiment_score":0.12097122949181181},{"text":"Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client.","start":1319.255,"end":1330.0901,"sentiment":"neutral","sentiment_score":0.15698719054460525},{"text":"The fee structure hasn't changed at all.","start":1330.9501,"end":1333.27,"sentiment":"neutral","sentiment_score":0.0736655028803008},{"text":"It stays exactly the same at that 1.65%.","start":1333.27,"end":1338.65,"sentiment":"neutral","sentiment_score":0.16147877648472786},{"text":"No changes in regards to the fee structure.","start":1339.135,"end":1341.475,"sentiment":"neutral","sentiment_score":0.02099293633364141}],"sentiment":"neutral","sentiment_score":0.1221254636981973,"num_words":81,"start":1309.04,"end":1341.475},{"sentences":[{"text":"Just basically to let Netwealth know that you're happy to stay on a decline, and we can keep servicing your account.","start":1341.615,"end":1347.715,"sentiment":"neutral","sentiment_score":0.1653433839480082},{"text":"But it's not a lock in contract.","start":1348.4149,"end":1349.955,"sentiment":"neutral","sentiment_score":0.003039265849760601},{"text":"So, you know, if at any point in time you are not happy, there is no lock in contract.","start":1350.015,"end":1354.035,"sentiment":"neutral","sentiment_score":0.027173898525928195},{"text":"Perfect.","start":1357.39,"end":1357.71,"sentiment":"positive","sentiment_score":0.370315819978714},{"text":"And then the last one it will get you to sign, it is just a tax file number.","start":1357.71,"end":1361.89,"sentiment":"neutral","sentiment_score":0.18483327329158783}],"sentiment":"neutral","sentiment_score":0.11677431416782466,"num_words":66,"start":1341.615,"end":1361.89},{"sentences":[{"text":"Just a compliance form just to say that we are keeping your tax file number secure on file.","start":1362.11,"end":1367.65,"sentiment":"neutral","sentiment_score":0.1976450781027476},{"text":"Perfect.","start":1370.955,"end":1371.455,"sentiment":"positive","sentiment_score":0.5778942108154297},{"text":"Amazing.","start":1371.9149,"end":1372.4149,"sentiment":"positive","sentiment_score":0.6233800053596497},{"text":"Yep.","start":1373.4349,"end":1373.9349,"sentiment":"positive","sentiment_score":0.40416789054870605},{"text":"Perfect.","start":1375.195,"end":1375.6749,"sentiment":"positive","sentiment_score":0.624048113822937}],"sentiment":"neutral","sentiment_score":0.26305007392709906,"num_words":22,"start":1362.11,"end":1375.6749},{"sentences":[{"text":"That's all come through okay.","start":1375.6749,"end":1377.375,"sentiment":"positive","sentiment_score":0.5019172668457031},{"text":"Now before I let you go, otherwise, do you have any questions?","start":1378.475,"end":1381.76,"sentiment":"neutral","sentiment_score":0.20353184640407562},{"text":"Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today?","start":1381.98,"end":1387.12,"sentiment":"neutral","sentiment_score":0.28598713739351794},{"text":"No?","start":1388.4601,"end":1388.9601,"sentiment":"neutral","sentiment_score":0.02874061092734337},{"text":"Alright.","start":1389.02,"end":1389.42,"sentiment":"positive","sentiment_score":0.40201061964035034}],"sentiment":"neutral","sentiment_score":0.2847423596171344,"num_words":41,"start":1375.6749,"end":1389.42},{"sentences":[{"text":"Perfect.","start":1389.42,"end":1389.74,"sentiment":"positive","sentiment_score":0.7219470143318176},{"text":"Well, I will let you go and enjoy the rest of your day off.","start":1389.74,"end":1392.8,"sentiment":"positive","sentiment_score":0.7444202559334892},{"text":"And if you need anything else at any point in time, don't hesitate to give us a call.","start":1393.485,"end":1397.825,"sentiment":"neutral","sentiment_score":0.23488256997532314},{"text":"Thank you so much.","start":1401.485,"end":1402.285,"sentiment":"positive","sentiment_score":0.8201142698526382},{"text":"We'll speak soon, Brendan.","start":1402.285,"end":1403.425,"sentiment":"positive","sentiment_score":0.342858225107193}],"sentiment":"positive","sentiment_score":0.4883806545559953,"num_words":41,"start":1389.42,"end":1403.425},{"sentences":[{"text":"Thanks.","start":1405.005,"end":1405.505,"sentiment":"positive","sentiment_score":0.5903041362762451},{"text":"Bye.","start":1405.725,"end":1406.225,"sentiment":"positive","sentiment_score":0.3862163722515106}],"sentiment":"positive","sentiment_score":0.48826025426387787,"num_words":2,"start":1405.005,"end":1406.225}]}}]},{"alternatives":[{"transcript":"Yeah. Good. I'm not too bad. Thanks, Ronnie. Sorry. I I was I was watching something on YouTube, so I had to pause it. It was mhmm. Mhmm. Yeah. Yeah. Yeah. That's fine. Yep. That's good. Yeah. Sure. Brendan Graham. 121072 And 329 E Empire Avenue, Baraboo, Western Australia. I'm not I'm I'm on my days off on my week off. So I I do, like, a a week on week off roster. So I'm I'm just chilling today. No. I hadn't had anything I needed to speak about. Everything's pretty pretty cool. Cool. Okay. Yeah. That's correct. Yep. Yep. Still working as a drawer. Yeah. That's that's roughly that. Yep. Yeah. That sounds about right. Yep. Not any credit cards. No. I I did get a personal loan for another vehicle. But yeah. Is this a matter? Yeah. Yeah. About $50? About 60. Yeah. Yep. No. No. No increase. No. Sorry. What was the question? Do I have a oh, no. I don't. Not at not at this stage. I I should get on to getting one done up, but I but I haven't as yet. No. No. No. That's just me. Yep. No. Probably not since I took him on the line. Yeah. Yeah. My I had my reasons to do that. I have to take on a second vehicle, but yeah. Yeah. That's my priority. Yeah. Not really. No. Yeah. It depends on what the government like, like, set the retirement age to be. But yeah. Yep. Yep. Currently in the high and moderate region. It's more like the the wait and see approach, I guess. Yeah. With that one, that depends on what the commodities that you're investing in and what its history would be, if you know what I mean. Yeah. Yeah. Yeah. I I guess that'd be neutral. And like like I said, there are probably a little hypervariable factors that work around that as well, like, inflation. You know what I mean? Yeah. Probably not at this stage. No. Not not unless I had inside information. You know what I mean? Probably not at my age. I I guess, didn't really was at a younger age, but not not at my age. No. Not really. I'm not sorry. I I I guess every everyone has that. That doesn't everyone? Yeah. Yeah. Retreats. Yeah. I'm quite I'm quite fortunate. In my profession, I'm I'm I'm reasonably good at what I do. And the company I work for, like, you they they keep me employed for as long as they can, as long as they wanted to hold on to me, I guess. Yeah. So that's one of my yeah. It's just one of my one of my benefits. Yeah. Yeah. Okay. No. I'm happy to stay where I am. Yep. I I I've opened up the email that you sent me already. I've been a bad person. I've gone into that. The other one, I can get back. Okay. So the attachments are 12345. Yep. The services guide. Yep. I'm gonna open that one. Yeah. Yeah. Performance. Yes. The next one now is the third one. Yep. Yeah. Yep. Yeah. Yes. Okay. I I probably did read it. I read most most things that come through from you guys. Yeah. Yep. Okay. Okay. Yeah. Yep. Yeah. No. No. So please check forward the day. Yeah. Yep. Yeah. Okay. No. No. So that's it. That's all good. No worries. I've done that and validated. So, yeah, it's all good. No. No. That's so straightforward. Thank you. Thank you very much, Franca. You have yourself a wonderful day. No worries. Thank you. 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Good. I'm not too bad. Thanks, Ronnie. Sorry.\n\nI I was I was watching something on YouTube, so I had to pause it. It was mhmm. Mhmm. Yeah. Yeah.\n\nYeah. That's fine. Yep. That's good. Yeah.\n\nSure. Brendan Graham. 121072 And 329 E Empire Avenue, Baraboo, Western Australia. I'm not I'm I'm on my days off on my week off. So I I do, like, a a week on week off roster.\n\nSo I'm I'm just chilling today. No. I hadn't had anything I needed to speak about. Everything's pretty pretty cool. Cool.\n\nOkay. Yeah. That's correct. Yep. Yep.\n\nStill working as a drawer. Yeah. That's that's roughly that. Yep. Yeah.\n\nThat sounds about right. Yep. Not any credit cards. No. I I did get a personal loan for another vehicle.\n\nBut yeah. Is this a matter? Yeah. Yeah. About $50?\n\nAbout 60. Yeah. Yep. No. No.\n\nNo increase. No. Sorry. What was the question? Do I have a oh, no.\n\nI don't. Not at not at this stage. I I should get on to getting one done up, but I but I haven't as yet. No. No.\n\nNo. That's just me. Yep. No. Probably not since I took him on the line.\n\nYeah. Yeah. My I had my reasons to do that. I have to take on a second vehicle, but yeah. Yeah.\n\nThat's my priority. Yeah. Not really. No. Yeah.\n\nIt depends on what the government like, like, set the retirement age to be. But yeah. Yep. Yep. Currently in the high and moderate region.\n\nIt's more like the the wait and see approach, I guess. Yeah. With that one, that depends on what the commodities that you're investing in and what its history would be, if you know what I mean. Yeah. Yeah.\n\nYeah. I I guess that'd be neutral. And like like I said, there are probably a little hypervariable factors that work around that as well, like, inflation. You know what I mean? Yeah.\n\nProbably not at this stage. No. Not not unless I had inside information. You know what I mean? Probably not at my age.\n\nI I guess, didn't really was at a younger age, but not not at my age. No. Not really. I'm not sorry. I I I guess every everyone has that.\n\nThat doesn't everyone? Yeah. Yeah. Retreats. Yeah.\n\nI'm quite I'm quite fortunate. In my profession, I'm I'm I'm reasonably good at what I do. And the company I work for, like, you they they keep me employed for as long as they can, as long as they wanted to hold on to me, I guess. Yeah. So that's one of my yeah.\n\nIt's just one of my one of my benefits. Yeah. Yeah. Okay. No.\n\nI'm happy to stay where I am. Yep. I I I've opened up the email that you sent me already. I've been a bad person. I've gone into that.\n\nThe other one, I can get back. Okay. So the attachments are 12345. Yep. The services guide.\n\nYep. I'm gonna open that one. Yeah. Yeah. Performance.\n\nYes. The next one now is the third one. Yep. Yeah. Yep.\n\nYeah. Yes. Okay. I I probably did read it. I read most most things that come through from you guys.\n\nYeah. Yep. Okay. Okay. Yeah.\n\nYep. Yeah. No. No. So please check forward the day.\n\nYeah. Yep. Yeah. Okay. No.\n\nNo. So that's it. That's all good. No worries. I've done that and validated.\n\nSo, yeah, it's all good. No. No. That's so straightforward. Thank you.\n\nThank you very much, Franca. You have yourself a wonderful day. No worries. Thank you. 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straightforward.","start":1387.525,"end":1388.505,"sentiment":"neutral","sentiment_score":0.11045725022753079},{"text":"Thank you.","start":1393.31,"end":1394.05,"sentiment":"positive","sentiment_score":0.601306602358818}],"sentiment":"positive","sentiment_score":0.3459411145498355,"num_words":12,"start":1372.9299,"end":1394.05},{"sentences":[{"text":"Thank you very much, Franca.","start":1398.11,"end":1399.39,"sentiment":"positive","sentiment_score":0.8013798236846924},{"text":"You have yourself a wonderful day.","start":1399.39,"end":1401.17,"sentiment":"positive","sentiment_score":0.8257404863834381},{"text":"No worries.","start":1403.9501,"end":1404.61,"sentiment":"neutral","sentiment_score":0.26436734944581985},{"text":"Thank you.","start":1404.67,"end":1405.49,"sentiment":"positive","sentiment_score":0.6214729249477386},{"text":"See 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This is Brandon.\n\nChannel 1: Yeah. Good.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: I'm not too bad. Thanks, Ronnie. Sorry. I I was I was watching something on YouTube, so I had to pause it. It was\n\nChannel 0: That's okay. Is now still a good time to complete\n\nChannel 1: mhmm.\n\nChannel 0: your\n\nChannel 1: Mhmm.\n\nChannel 0: interview?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's good.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Sure. Brendan Graham. 121072 And 329 E Empire Avenue, Baraboo, Western Australia.\n\nChannel 0: Yeah. Perfect. That's exactly what I have here. And how's your\n\nChannel 1: I'm\n\nChannel 0: day been so far? Been busy?\n\nChannel 1: not I'm I'm on my days off on my week off. So I\n\nChannel 0: Lovely.\n\nChannel 1: I do, like, a a week on week off roster. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm just chilling today.\n\nChannel 0: It's taken easy. Oh, that's nice. Now, Brendon, before I kind of jump into the interview with you, I do like to start by asking if there is anything specific that you would like me to address further with you today or any concerns or anything or just a bit of just a bit of a catch up to see how everything's going?\n\nChannel 1: No. I hadn't had anything I needed to speak about. Everything's\n\nChannel 0: Yep.\n\nChannel 1: pretty pretty cool.\n\nChannel 0: Going smoothly. Perfect. So what I will do today is I will just go through a bit of an updated fact line with you first to see if there's anything that's changed. And then we'll go through a bit of an updated risk profile questionnaire. It's pretty straightforward, but that's just to see if we need to make any changes to your risk profile within your super.\n\nAnd then I'll kind of go through a couple of documents as well to kind of see what your super and what's happened in the last twelve months.\n\nChannel 1: Cool.\n\nChannel 0: Perfect. So\n\nChannel 1: Okay.\n\nChannel 0: kind of bear with me as I go through the fact that I'm here with you just to see if there's anything that's changed. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yep. Perfect. Now next up, Ken, I have Hannah. That's still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. When it comes to occupation, has any of that changed in the last twelve months or still working as a driller?\n\nChannel 1: Yep. Still working as a drawer.\n\nChannel 0: Yep. Perfect. I have income at about $1.90. Is that\n\nChannel 1: Yeah.\n\nChannel 0: roughly\n\nChannel 1: That's\n\nChannel 0: the same?\n\nChannel 1: that's roughly that. Yep.\n\nChannel 0: Yep. Perfect. Now assets wise, I have here a motor vehicle about 20,000.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. A boat, 5,000, and the caravan, about 9. Does that all sound right?\n\nChannel 1: That sounds about right. Yep.\n\nChannel 0: Perfect. Now do you have any other assets or any other, like, personal loans or credit cards or anything?\n\nChannel 1: Not any credit cards. No.\n\nChannel 0: Nope. Perfect. No. The personal loans or anything else.\n\nChannel 1: I I did get a personal loan for another vehicle. But yeah. Is this a matter?\n\nChannel 0: Yes. Yes. Sorry. I can add that. Sorry.\n\nYou have two two vehicles now?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. And how much is the the second one worth, would you say?\n\nChannel 1: About $50?\n\nChannel 0: 50. Perfect. And what was the loan for?\n\nChannel 1: About 60.\n\nChannel 0: About 60.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. About 60. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And have you had any changes to your health otherwise in the last twelve months? Any significant health issues or any injuries or anything, or everything's going okay?\n\nChannel 1: No. No. No increase.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place?\n\nChannel 1: Sorry. What was the question? Do I have a\n\nChannel 0: A will in place or, like,\n\nChannel 1: oh, no.\n\nChannel 0: a power\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: don't.\n\nChannel 0: attorney?\n\nChannel 1: Not at not at this stage. I I should get on to getting one done up, but I but I haven't as yet.\n\nChannel 0: That's\n\nChannel 1: No.\n\nChannel 0: okay. On the to do list. But you don't have anyone who makes any, you know, financial decisions on your behalf otherwise?\n\nChannel 1: No. No. That's\n\nChannel 0: No.\n\nChannel 1: just me.\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. And are you politically exposed at all or earn an income from overseas? No. Perfect.\n\nAnd I guess when it comes to kind of goals and stuff that you are working towards, when we spoke to you last during your interview, you kind of\n\nChannel 1: No.\n\nChannel 0: mentioned that your focus was to kind of build up a little bit of a savings account just to have that in place if there's, you know, some unforeseen circumstances or anything. Is that still kind of the the goal for yourself?\n\nChannel 1: Probably not since I took him on the line.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yeah. My I had my reasons to do that. I have to\n\nChannel 0: Yeah.\n\nChannel 1: take on a second vehicle, but yeah.\n\nChannel 0: Yeah. No. That's okay. So what would you say, I guess, in the next twelve months or couple of years? Is there, like, a focus for you?\n\nIs that to pay down the personal loan, or what kind\n\nChannel 1: Yeah.\n\nChannel 0: of something that you yeah. Focus\n\nChannel 1: That's\n\nChannel 0: on\n\nChannel 1: my\n\nChannel 0: paying\n\nChannel 1: priority.\n\nChannel 0: up.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Anything else that you're working towards?\n\nChannel 1: Not really. No.\n\nChannel 0: No. No. Perfect. Now, otherwise, are you still kind of planning on retiring at around 60?\n\nChannel 1: Yeah. It depends on what the government\n\nChannel 0: Yep.\n\nChannel 1: like, like, set the retirement age to be. But yeah.\n\nChannel 0: Yeah. So with the current legislation, if you're eligible for age pension, it's eight sixty seven. Otherwise, 60 if you stop working is when you can start accessing some of your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now with your superannuation, I do have a couple of multiple choice question here for you, Brendan. It is pretty straightforward. So if if it doesn't make sense, so let me know.\n\nThere is no right or wrong answer either. It's just whatever you feel is the most appropriate for you. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to superannuation, how much risk are you willing to take in order to make sure that, you know, you stay on top of the rising prices and inflation and everything like that? Or would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk order to try to make sure that everything keeps growing for you.\n\nChannel 1: Currently in the high and moderate region.\n\nChannel 0: High. Yep. Perfect. And if you place an investment, and after six months, you found out that your portfolio has gone down by 20% due to general trends in the market, so not one particular investment that's gone bad, just kind of the market as a whole, If you had the option to do so, would you think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped?\n\nChannel 1: It's more like the the wait and see\n\nChannel 0: White\n\nChannel 1: approach,\n\nChannel 0: and see?\n\nChannel 1: I guess. Yeah.\n\nChannel 0: Yeah. Yeah. Great. And when it comes to, you know, fluctuation and investments going down in value, if you ever noticed that at any point in time, would you think it would make you feel optimistic about future opportunities, a bit more neutral, you know, not making any further investments, concerned, or highly anxious?\n\nChannel 1: With that one, that depends on what the commodities that you're investing\n\nChannel 0: Yeah.\n\nChannel 1: in and what its history would be, if\n\nChannel 0: Yep.\n\nChannel 1: you know what I mean. Yeah.\n\nChannel 0: Yeah. If it's obviously, because you're super is that long term investment and if it is kind of, you know, research and solid investment, so not like\n\nChannel 1: Yeah.\n\nChannel 0: a a risky investment, so to say, Would you how would you feel? And I know it's sometimes hard because it's theorens depending on what's going on. It's\n\nChannel 1: Yeah.\n\nChannel 0: more to see how how you would feel in that situation, like how your, you know, behavior and stuff would be. As long as it's not, you know, a super risky investment, would you say that you'd be a bit more neutral, or would you lean more towards the concerned aspect?\n\nChannel 1: I I guess that'd be neutral. And\n\nChannel 0: Neutral.\n\nChannel 1: like like I said, there are probably a little hypervariable factors\n\nChannel 0: Yes.\n\nChannel 1: that work around that as well, like, inflation.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: You know what I mean?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: It's a bit tricky, that one. No. That makes sense. Perfect. And last one here is borrowing money.\n\nSo would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Probably not at this\n\nChannel 0: No.\n\nChannel 1: stage.\n\nChannel 0: No.\n\nChannel 1: No. Not not unless I had inside information.\n\nChannel 0: Yep.\n\nChannel 1: You know what I mean?\n\nChannel 0: Yeah. No. That's fine. And the would you ever be open to borrow for an investment property?\n\nChannel 1: Probably not at my age. I I guess, didn't really was at a younger age, but not not at my age.\n\nChannel 0: No. Now that Brandon, that\n\nChannel 1: No.\n\nChannel 0: tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all?\n\nChannel 1: Not really. I'm not sorry.\n\nChannel 0: No. No. No. That's okay. Well, basically, they're both kind of similar in that you are, you know, looking at getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement.\n\nChannel 1: I I I guess every everyone has that. That doesn't everyone?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I guess it depends on as well time frames as well.\n\nChannel 1: Yeah.\n\nChannel 0: So what we are also looking at is, you know, how long until you wanna completely retire as well.\n\nChannel 1: Retreats.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And, also, you know, comfortable seeing a bit of short term fluctuation to make sure that long term, it continues to to maximize that growth for you. But if we are looking at a time frame, so in a growth portfolio, we see about six years until retirement. And in a high yeah?\n\nChannel 1: I'm quite I'm quite fortunate. In my profession, I'm I'm I'm reasonably good at what I do.\n\nChannel 0: Yep.\n\nChannel 1: And the company I work for, like, you they they keep me employed for as long as they can, as long as they wanted to hold on to me, I guess.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: So you're\n\nChannel 1: that's\n\nChannel 0: quite comfortable.\n\nChannel 1: one of my\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It's just one\n\nChannel 0: Yeah.\n\nChannel 1: of my one of my benefits. Yeah.\n\nChannel 0: Yeah. Oh, that's perfect. It's nice when you have that. And because otherwise, in a high growth, which is what you currently have are invested in, we're looking about at eight years until retirement. And when we are kind of looking at asset allocations to how your money is invested, in a high growth, we see about 90% invested in what we would call your growth investment.\n\nSo that will be things like Australian chef, international chef, and property and commodity. And that is\n\nChannel 1: Yeah.\n\nChannel 0: kind of what's going to, you know, grow that super for you. And then we have that 10% more the defensive, like your cash, your gold, your fixed interest, limit fluctuations a little bit. A growth portfolio is about a 10% difference, so it's about an eighty and twenty allocation. Now, Brendon,\n\nChannel 1: Okay.\n\nChannel 0: are you happy to remain in that high growth portfolio given you do have more closer to that eight years until retirement, or would you like to look at reducing or changing anything for you?\n\nChannel 1: No. I'm happy to\n\nChannel 0: Nope.\n\nChannel 1: stay where\n\nChannel 0: Happy.\n\nChannel 1: I am. Yep.\n\nChannel 0: Yep. Perfect. Now do you have access to your emails at the moment or not really right now?\n\nChannel 1: I I I've opened up the email that you sent me already.\n\nChannel 0: Perfect. Speak me to it. Now with the email, it might look a little bit different to what it did last time because we have changed the software a little bit. But, essentially, before you click on the link where it says sign now, at the bottom of that email, do you see a couple of attachments?\n\nChannel 1: I've been a bad person. I've gone into that. The other one, I can get back.\n\nChannel 0: Yeah. Just so I can kind of talk to see those documents there for you.\n\nChannel 1: Okay. So the attachments are 12345.\n\nChannel 0: Yes. So if you want\n\nChannel 1: Yep.\n\nChannel 0: to open o two services guide, if you can see that one, it should be, like, the first one, I believe.\n\nChannel 1: The\n\nChannel 0: Can you\n\nChannel 1: services\n\nChannel 0: see that\n\nChannel 1: guide.\n\nChannel 0: one?\n\nChannel 1: Yep. I'm gonna\n\nChannel 0: Yes.\n\nChannel 1: open that one.\n\nChannel 0: Yes. So you would have seen this one before. It's one of those kind of compliance documents. But, basically, everything that you need to know about us is in here. So all the important information, everything about the team, our directors, our advisers, everything is in there.\n\nNow if you want to scroll down to page see here. 10. Yes. That's Savvy. Yeah.\n\nConnor. And then on the next one, you will see Larissa and Tommy. And then on the following page after that, you will see myself next to Dana. And sometimes it's nice to put a face to the boy.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. There you go. Now, otherwise, the second attachment, you should see services guide version four. I won't get you to open that.\n\nIt's just like a smaller version of the other one. Again, just one of those compliance documents, but it is good to have it there if you ever do wanna go back and have a read over it.\n\nChannel 1: Yeah.\n\nChannel 0: But, otherwise, if you can open the one that says performance with IRR. Can you see that okay?\n\nChannel 1: Performance.\n\nChannel 0: It should have twenty twenty\n\nChannel 1: Yes.\n\nChannel 0: six.\n\nChannel 1: The next one now is the third one. Yep.\n\nChannel 0: Yeah. Perfect. And is that the one that shows you the investments in Netwealth, like a bit of a report in Netwealth?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. So this one might look a little bit messy sometimes, but it basically shows you all your investments and kind of what's happened in the last, twelve months. So, basically, kind of at a at a high level, your portfolio is structured across, you know, three different, key areas. So first, you got your, you know, your growth assets, which kind of makes up the majority of the portfolio.\n\nSo you'll have your Australian shares, international markets, like a bit of US, bit of Europe, and bit of Japan for diversification for you. And those are really the the engine driving your long term return. And then you do have diversifiers. So you have that gold, which kind of help protect the portfolio during periods of uncertainty and volatility. So we've had, obviously, a bit of a turbulence last twelve months with everything going on in the world.\n\nChannel 1: Yep.\n\nChannel 0: First, obviously, you had everything in The US with Trump and the tariffs and everything, and, obviously, more recently, the war and stuff. So had a bit of that turbulence in the last twelve months. But in terms of your portfolio, so despite there being a bit of fluctuation in the last twelve months, your portfolio has still been positive, which is great. So it's still\n\nChannel 1: Yeah.\n\nChannel 0: kind of delivered kind of a modest return of about 4.5% off the fee. And that is still pretty good given that it came during a fairly mixed market environment. So your exposures to The US, they delivered very good solid returns. Japan and Europe, which you will see here as well, that was also very good. The the area\n\nChannel 1: Yes.\n\nChannel 0: that kind of underperformed a little bit was the Australian market. Now did you see an email that we sent through? It was about the March 13. Completely fine if you didn't, but it was an email in regards to an investment change that we made for you.\n\nChannel 1: Okay.\n\nChannel 0: Yes.\n\nChannel 1: I I probably did read it. I read most most things that come through\n\nChannel 0: Yes.\n\nChannel 1: from you guys.\n\nChannel 0: Good.\n\nChannel 1: Yeah.\n\nChannel 0: It wasn't anything you had to ask, and it was just for your reference. And that is that one one of those investments that kind of had underperformed a little bit. We\n\nChannel 1: Yep.\n\nChannel 0: we did a lot of research, and the investment committee made the decision as well to swap that out for a better performing one. So we have already gone ahead and make that change for you. So what we changed was just one investment, which was the Benelong Australian equity, and what we swapped it for was the BetaShares Australia two hundred. So still keeping\n\nChannel 1: Okay.\n\nChannel 0: it in the Australian market, but the the BetaShares Australia two hundred, it was a little bit cheaper for you because it doesn't have the same active component, but, also, it it was better performing, which is good. So the investment committee, like I said, did all that research on the investment, and we didn't really foresee Ben along kind of coming back around. So we made the decision to change it for you, which will see, you know, things moving forward look a bit better for you as well. So you didn't have to change or or sign anything, but it's just for your reference so that you do know, you know, the reasons of why which, you know, did make that investment and what we changed it for. So that was just one of those investments there for you.\n\nThat's basically\n\nChannel 1: Okay.\n\nChannel 0: what that what that email was. But, overall, though, the portfolio, like I said, has done pretty good considering the last twelve months, and\n\nChannel 1: Yeah.\n\nChannel 0: it is kind of, you know, very good and well positioned from a long term perspective. And that is kind of how we, you know, do expect a well diversified portfolio to behave. So\n\nChannel 1: Yep.\n\nChannel 0: overall, you know, quite happy with with everything.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions in regards to any of that?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Makes sense.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: please\n\nChannel 0: Perfect.\n\nChannel 1: check forward the day.\n\nChannel 0: Yeah. Now the the next one for you there, Brendan, is a bit of a super summary. Can you see that one?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now this document was prepared on the April 13, and at that time, you had 200 and 7,000 7 hundred and 11 in your Netwealth account. But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now the last one here is then your Vanguard index chart. Can you see that one?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now you probably have seen this one before, but it's a bit just a bit of an updated version. But it is just kind of a good visual representation of what we are talking about when we are talking about the market. And, basically, you can see here that over the long term, the market always goes up.\n\nThe short term, you will have some ups and downs and market fluctuations.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Kath, any questions?\n\nChannel 1: No. No.\n\nChannel 0: No. Makes sense. Perfect. Now the last thing then is if you are happy to do so, if you wanna click on the link where it says sign now, it will ask you to sign through document. Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client.\n\nThe fee structure hasn't changed at all. It stays exactly the same at that 1.65%. No changes in regards to the fee structure. Just basically to let Netwealth know that you're happy to stay on a decline, and we can keep servicing your account. But it's not a lock in contract.\n\nSo, you know, if at any point in time you are not happy, there is no lock in contract.\n\nChannel 1: So that's it. That's all good.\n\nChannel 0: Perfect. And then the last one it will get you to sign, it is just a tax file number. Just a compliance form just to say that we are keeping your tax file number secure on file.\n\nChannel 1: No worries. I've done that\n\nChannel 0: Perfect.\n\nChannel 1: and\n\nChannel 0: Amazing.\n\nChannel 1: validated. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's all good.\n\nChannel 0: Perfect. That's all come through okay. Now before I let you go, otherwise, do you have any questions? Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today?\n\nChannel 1: No. No. That's so straightforward.\n\nChannel 0: No? Alright. Perfect. Well, I will let you go and enjoy the rest of your day off.\n\nChannel 1: Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: if you need anything else at any point in time, don't hesitate to give us a call.\n\nChannel 1: Thank you very much, Franca. You have yourself a wonderful day.\n\nChannel 0: Thank you so much. We'll speak soon, Brendan.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.44,"end":6.08,"sentiment":"neutral","sentiment_score":0.28165462613105774},{"text":"This is Brandon.","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.18248088657855988}],"sentiment":"neutral","sentiment_score":0.22215038239955903,"channel":0,"num_words":5,"start":5.44,"end":6.8999996},{"sentences":[{"text":"Yeah.","start":8.639999,"end":9.139999,"sentiment":"neutral","sentiment_score":0.23341843485832217},{"text":"Good.","start":9.44,"end":9.94,"sentiment":"positive","sentiment_score":0.44269540905952454}],"sentiment":"positive","sentiment_score":0.33805692195892334,"channel":1,"num_words":2,"start":8.639999,"end":9.94},{"sentences":[{"text":"This is Veronica from Financial.","start":12.4,"end":14.179999,"sentiment":"positive","sentiment_score":0.3392893671989441},{"text":"How are you?","start":14.719999,"end":15.54,"sentiment":"neutral","sentiment_score":0.25205934047698975}],"sentiment":"neutral","sentiment_score":0.3065781071782112,"channel":0,"num_words":8,"start":12.4,"end":15.54},{"sentences":[{"text":"I'm not too bad.","start":16.335,"end":17.695,"sentiment":"neutral","sentiment_score":0.2430558241903782},{"text":"Thanks, Ronnie.","start":17.695,"end":18.435001,"sentiment":"positive","sentiment_score":0.5014891922473907},{"text":"Sorry.","start":18.655,"end":18.895,"sentiment":"neutral","sentiment_score":0.0252496637403965},{"text":"I I was I was watching something on YouTube, so I had to pause it.","start":18.895,"end":23.615,"sentiment":"neutral","sentiment_score":-0.047366619234283765},{"text":"It was","start":23.615,"end":24.275,"sentiment":"neutral","sentiment_score":-0.007160618901252747}],"sentiment":"neutral","sentiment_score":0.0531512841116637,"channel":1,"num_words":24,"start":16.335,"end":24.275},{"sentences":[{"text":"That's 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would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk order to try to make sure that everything keeps growing for you.","start":469.235,"end":478.86,"sentiment":"neutral","sentiment_score":0.13127968381300117}],"sentiment":"neutral","sentiment_score":0.13150237033694562,"channel":0,"num_words":71,"start":455.11,"end":478.86},{"sentences":[{"text":"Currently in the high and moderate region.","start":479.34,"end":481.84,"sentiment":"neutral","sentiment_score":0.022630168790263788}],"sentiment":"neutral","sentiment_score":0.022630168790263788,"channel":1,"num_words":7,"start":479.34,"end":481.84},{"sentences":[{"text":"High.","start":481.63998,"end":482.13998,"sentiment":"neutral","sentiment_score":0.12704899907112122},{"text":"Yep.","start":482.36,"end":482.84,"sentiment":"neutral","sentiment_score":0.2269585132598877},{"text":"Perfect.","start":482.84,"end":483.34,"sentiment":"positive","sentiment_score":0.4688893854618073},{"text":"And 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through?","start":1100.645,"end":1104.8,"sentiment":"neutral","sentiment_score":0.0186177272349596},{"text":"It was about the March 13.","start":1105.1001,"end":1107.4401,"sentiment":"neutral","sentiment_score":0.0134322556356589},{"text":"Completely fine if you didn't, but it was an email in regards to an investment change that we made for you.","start":1108.62,"end":1114.56,"sentiment":"neutral","sentiment_score":0.10600004407266776}],"sentiment":"neutral","sentiment_score":0.07743838153934728,"channel":0,"num_words":48,"start":1095.605,"end":1114.56},{"sentences":[{"text":"Okay.","start":1115.465,"end":1115.965,"sentiment":"neutral","sentiment_score":0.06329957395792007}],"sentiment":"neutral","sentiment_score":0.06329957395792007,"channel":1,"num_words":1,"start":1115.465,"end":1115.965},{"sentences":[{"text":"Yes.","start":1116.6849,"end":1117.1849,"sentiment":"neutral","sentiment_score":0.07178319990634918}],"sentiment":"neutral","sentiment_score":0.07178319990634918,"channel":0,"num_words":1,"start":1116.6849,"end":1117.1849},{"sentences":[{"text":"I I probably did read it.","start":1117.785,"end":1120.15,"sentiment":"neutral","sentiment_score":0.057397318383057915},{"text":"I read most most things that come 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guys.","start":1122.79,"end":1123.61,"sentiment":"neutral","sentiment_score":0.20706037680308023}],"sentiment":"neutral","sentiment_score":0.20706037680308023,"channel":1,"num_words":3,"start":1122.79,"end":1123.61},{"sentences":[{"text":"Good.","start":1123.965,"end":1124.465,"sentiment":"positive","sentiment_score":0.4040313959121704}],"sentiment":"positive","sentiment_score":0.4040313959121704,"channel":0,"num_words":1,"start":1123.965,"end":1124.465},{"sentences":[{"text":"Yeah.","start":1124.23,"end":1124.73,"sentiment":"neutral","sentiment_score":0.1854221373796463}],"sentiment":"neutral","sentiment_score":0.1854221373796463,"channel":1,"num_words":1,"start":1124.23,"end":1124.73},{"sentences":[{"text":"It wasn't anything you had to ask, and it was just for your reference.","start":1124.6849,"end":1127.825,"sentiment":"neutral","sentiment_score":0.08754200601418104},{"text":"And that is that one one of those investments that kind of had underperformed a little 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just one investment, which was the Benelong Australian equity, and what we swapped it for was the BetaShares Australia two hundred.","start":1146.285,"end":1156.145,"sentiment":"neutral","sentiment_score":0.09729192019082032},{"text":"So still keeping","start":1156.58,"end":1157.72,"sentiment":"neutral","sentiment_score":0.10596550007661183}],"sentiment":"neutral","sentiment_score":0.14605429017773042,"channel":0,"num_words":65,"start":1134.13,"end":1157.72},{"sentences":[{"text":"Okay.","start":1157.24,"end":1157.74,"sentiment":"neutral","sentiment_score":0.15953654050827026}],"sentiment":"neutral","sentiment_score":0.15953654050827026,"channel":1,"num_words":1,"start":1157.24,"end":1157.74},{"sentences":[{"text":"it in the Australian market, but the the BetaShares Australia two hundred, it was a little bit cheaper for you because it doesn't have the same active component, but, also, it it was better performing, which is good.","start":1157.9401,"end":1172.235,"sentiment":"neutral","sentiment_score":0.25145772530844335},{"text":"So the investment committee, like I said, did all that research on the investment, and we didn't really foresee Ben along kind of coming back around.","start":1173.275,"end":1181.595,"sentiment":"neutral","sentiment_score":0.1631391727580474},{"text":"So we made the decision to change it for you, which will see, you know, things moving forward look a bit better for you as well.","start":1181.595,"end":1189.39,"sentiment":"positive","sentiment_score":0.3965894367832404},{"text":"So you didn't have to change or or sign anything, but it's just for your reference so that you do know, you know, the reasons of why which, you know, did make that investment and what we changed it for.","start":1189.61,"end":1199.7949,"sentiment":"neutral","sentiment_score":0.12362815914675593},{"text":"So that was just one of those investments there for 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one?","start":1243.1901,"end":1244.41,"sentiment":"neutral","sentiment_score":0.05899556428194046}],"sentiment":"neutral","sentiment_score":0.11071356352079999,"channel":0,"num_words":22,"start":1236.755,"end":1244.41},{"sentences":[{"text":"Yeah.","start":1245.0651,"end":1245.5651,"sentiment":"neutral","sentiment_score":0.08524759858846664}],"sentiment":"neutral","sentiment_score":0.08524759858846664,"channel":1,"num_words":1,"start":1245.0651,"end":1245.5651},{"sentences":[{"text":"Yeah.","start":1245.67,"end":1246.0701,"sentiment":"neutral","sentiment_score":0.15427592396736145},{"text":"Perfect.","start":1246.0701,"end":1246.5701,"sentiment":"neutral","sentiment_score":0.3044695258140564},{"text":"Now this document was prepared on the April 13, and at that time, you had 200 and 7,000 7 hundred and 11 in your Netwealth account.","start":1247.43,"end":1258.01,"sentiment":"neutral","sentiment_score":0.13114451874907201},{"text":"But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993.","start":1258.605,"end":1268.785,"sentiment":"positive","sentiment_score":0.41218009254624766}],"sentiment":"neutral","sentiment_score":0.28213704756255875,"channel":0,"num_words":59,"start":1245.67,"end":1268.785},{"sentences":[{"text":"Yep.","start":1269.63,"end":1270.13,"sentiment":"neutral","sentiment_score":0.1399252563714981}],"sentiment":"neutral","sentiment_score":0.1399252563714981,"channel":1,"num_words":1,"start":1269.63,"end":1270.13},{"sentences":[{"text":"Yep.","start":1270.365,"end":1270.71,"sentiment":"neutral","sentiment_score":0.17468975484371185},{"text":"Perfect.","start":1270.95,"end":1271.45,"sentiment":"positive","sentiment_score":0.4757649004459381},{"text":"Now the last one here is then your Vanguard index chart.","start":1272.47,"end":1276.3099,"sentiment":"neutral","sentiment_score":0.1794953549450094},{"text":"Can you see that 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click on the link where it says sign now, it will ask you to sign through document.","start":1309.04,"end":1318.555,"sentiment":"neutral","sentiment_score":0.12097122949181181},{"text":"Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client.","start":1319.255,"end":1330.0901,"sentiment":"neutral","sentiment_score":0.15698719054460525}],"sentiment":"neutral","sentiment_score":0.12846867607966547,"channel":0,"num_words":62,"start":1306.88,"end":1330.0901},{"sentences":[{"text":"The fee structure hasn't changed at all.","start":1330.9501,"end":1333.27,"sentiment":"neutral","sentiment_score":0.0736655028803008},{"text":"It stays exactly the same at that 1.65%.","start":1333.27,"end":1338.65,"sentiment":"neutral","sentiment_score":0.16147877648472786},{"text":"No changes in regards to the fee structure.","start":1339.135,"end":1341.475,"sentiment":"neutral","sentiment_score":0.02099293633364141},{"text":"Just basically to let Netwealth know that you're happy to stay on a decline, and we can keep servicing your account.","start":1341.615,"end":1347.715,"sentiment":"neutral","sentiment_score":0.1653433839480082},{"text":"But it's not a lock in contract.","start":1348.4149,"end":1349.955,"sentiment":"neutral","sentiment_score":0.003039265849760601}],"sentiment":"neutral","sentiment_score":0.10723368914834425,"channel":0,"num_words":51,"start":1330.9501,"end":1349.955},{"sentences":[{"text":"So, you know, if at any point in time you are not happy, there is no lock in contract.","start":1350.015,"end":1354.035,"sentiment":"neutral","sentiment_score":0.027173898525928195}],"sentiment":"neutral","sentiment_score":0.027173898525928195,"channel":0,"num_words":19,"start":1350.015,"end":1354.035},{"sentences":[{"text":"So that's it.","start":1354.745,"end":1355.9451,"sentiment":"neutral","sentiment_score":0.1106632227698962},{"text":"That's all 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it's all good.","start":1373.73,"end":1374.87,"sentiment":"positive","sentiment_score":0.5718550980091095}],"sentiment":"positive","sentiment_score":0.5718550980091095,"channel":1,"num_words":4,"start":1373.73,"end":1374.87},{"sentences":[{"text":"Perfect.","start":1375.195,"end":1375.6749,"sentiment":"positive","sentiment_score":0.624048113822937},{"text":"That's all come through okay.","start":1375.6749,"end":1377.375,"sentiment":"positive","sentiment_score":0.5019172668457031},{"text":"Now before I let you go, otherwise, do you have any questions?","start":1378.475,"end":1381.76,"sentiment":"neutral","sentiment_score":0.20353184640407562},{"text":"Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today?","start":1381.98,"end":1387.12,"sentiment":"neutral","sentiment_score":0.28598713739351794}],"sentiment":"neutral","sentiment_score":0.2966933406889439,"channel":0,"num_words":40,"start":1375.195,"end":1387.12},{"sentences":[{"text":"No.","start":1386.645,"end":1387.145,"sentiment":"neutral","sentiment_score":0.004412252455949783},{"text":"No.","start":1387.285,"end":1387.525,"sentiment":"neutral","sentiment_score":-0.08385352045297623},{"text":"That's so straightforward.","start":1387.525,"end":1388.505,"sentiment":"neutral","sentiment_score":0.11045725022753079}],"sentiment":"neutral","sentiment_score":0.05038609653711319,"channel":1,"num_words":5,"start":1386.645,"end":1388.505},{"sentences":[{"text":"No?","start":1388.4601,"end":1388.9601,"sentiment":"neutral","sentiment_score":0.02874061092734337},{"text":"Alright.","start":1389.02,"end":1389.42,"sentiment":"positive","sentiment_score":0.40201061964035034},{"text":"Perfect.","start":1389.42,"end":1389.74,"sentiment":"positive","sentiment_score":0.7219470143318176},{"text":"Well, I will let you go and enjoy the rest of your day off.","start":1389.74,"end":1392.8,"sentiment":"positive","sentiment_score":0.7444202559334892}],"sentiment":"positive","sentiment_score":0.6808577545863741,"channel":0,"num_words":17,"start":1388.4601,"end":1392.8},{"sentences":[{"text":"Thank","start":1393.31,"end":1393.55,"sentiment":"positive","sentiment_score":0.75890052318573}],"sentiment":"positive","sentiment_score":0.75890052318573,"channel":1,"num_words":1,"start":1393.31,"end":1393.55},{"sentences":[{"text":"And","start":1393.485,"end":1393.805,"sentiment":"positive","sentiment_score":0.6515690684318542}],"sentiment":"positive","sentiment_score":0.6515690684318542,"channel":0,"num_words":1,"start":1393.485,"end":1393.805},{"sentences":[{"text":"you.","start":1393.55,"end":1394.05,"sentiment":"positive","sentiment_score":0.4437126815319062}],"sentiment":"positive","sentiment_score":0.4437126815319062,"channel":1,"num_words":1,"start":1393.55,"end":1394.05},{"sentences":[{"text":"if you need anything else at any point in time, don't hesitate to give us a call.","start":1393.805,"end":1397.825,"sentiment":"neutral","sentiment_score":0.21037159947788014}],"sentiment":"neutral","sentiment_score":0.21037159947788014,"channel":0,"num_words":17,"start":1393.805,"end":1397.825},{"sentences":[{"text":"Thank you very much, Franca.","start":1398.11,"end":1399.39,"sentiment":"positive","sentiment_score":0.8013798236846924},{"text":"You have yourself a wonderful day.","start":1399.39,"end":1401.17,"sentiment":"positive","sentiment_score":0.8257404863834381}],"sentiment":"positive","sentiment_score":0.8146674578840082,"channel":1,"num_words":11,"start":1398.11,"end":1401.17},{"sentences":[{"text":"Thank you so much.","start":1401.485,"end":1402.285,"sentiment":"positive","sentiment_score":0.8201142698526382},{"text":"We'll speak soon, Brendan.","start":1402.285,"end":1403.425,"sentiment":"positive","sentiment_score":0.342858225107193}],"sentiment":"positive","sentiment_score":0.5814862474799156,"channel":0,"num_words":8,"start":1401.485,"end":1403.425},{"sentences":[{"text":"No worries.","start":1403.9501,"end":1404.61,"sentiment":"neutral","sentiment_score":0.26436734944581985},{"text":"Thank you.","start":1404.67,"end":1405.49,"sentiment":"positive","sentiment_score":0.6214729249477386}],"sentiment":"positive","sentiment_score":0.44292013719677925,"channel":1,"num_words":4,"start":1403.9501,"end":1405.49},{"sentences":[{"text":"Thanks.","start":1405.005,"end":1405.505,"sentiment":"positive","sentiment_score":0.5903041362762451},{"text":"Bye.","start":1405.725,"end":1406.225,"sentiment":"positive","sentiment_score":0.3862163722515106}],"sentiment":"positive","sentiment_score":0.48826025426387787,"channel":0,"num_words":2,"start":1405.005,"end":1406.225},{"sentences":[{"text":"See you.","start":1406.11,"end":1406.85,"sentiment":"neutral","sentiment_score":0.15069682151079178}],"sentiment":"neutral","sentiment_score":0.15069682151079178,"channel":1,"num_words":2,"start":1406.11,"end":1406.85}]},"summary":{"result":"success","short":"A representative from Financial conducts an interview with Ronnie, a man with a high risk profile and interests. They discuss Ronnie's risk profile, income, assets, health and retirement plans, and desire to build a savings account. The agent asks about Ronnie's health and retirement plans, and they discuss the retirement plans and the possibility of investing in stocks or funds. The agent explains that Ronnie's high growth portfolio is structured across three different areas, with diversification in the US, Japan, and Europe, and provides guidance on accessing emails and a compliance document. The agent also explains that Ronnie's Vanguard index chart shows an updated version of the portfolio and provides a tax file number for compliance purposes. The agent offers assistance with any further questions and wishes Ronnie a good day."},"intents":{"segments":[{"text":"This is Veronica from Financial. How are you?","start_word":7,"end_word":14,"intents":[{"intent":"Introduce oneself","confidence_score":0.008048567}]},{"text":"Is now still a good time to complete mhmm. your Mhmm. interview? Yeah.","start_word":41,"end_word":53,"intents":[{"intent":"Check progress","confidence_score":0.010322647}]},{"text":"And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please? Yeah.","start_word":94,"end_word":121,"intents":[{"intent":"Provide address details","confidence_score":0.00014814097}]},{"text":"And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please? Yeah. Sure.","start_word":94,"end_word":122,"intents":[{"intent":"Provide name","confidence_score":0.024531523},{"intent":"Confirm identity","confidence_score":0.23059006}]},{"text":"Now, Brendon, before I kind of jump into the interview with you, I do like to start by asking if there is anything specific that you would like me to address further with you today or any concerns or anything or just a bit of just a bit of a catch up to see how everything's going? No.","start_word":189,"end_word":246,"intents":[{"intent":"End conversation","confidence_score":0.034085844}]},{"text":"And then I'll kind of go through a couple of documents as well to kind of see what your super and what's happened in the last twelve months. Cool.","start_word":329,"end_word":357,"intents":[{"intent":"Review documents","confidence_score":0.083481036}]},{"text":"Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Yeah.","start_word":384,"end_word":406,"intents":[{"intent":"Confirm personal details","confidence_score":0.26899806}]},{"text":"Now next up, Ken, I have Hannah. That's still the case as well? Yep.","start_word":411,"end_word":424,"intents":[{"intent":"Confirm age","confidence_score":0.011254681}]},{"text":"I have income at about $1.90. Is that Yeah.","start_word":456,"end_word":464,"intents":[{"intent":"Confirm income","confidence_score":0.5367738}]},{"text":"You have two two vehicles now? Yeah. Yeah.","start_word":563,"end_word":570,"intents":[{"intent":"Confirm vehicle","confidence_score":0.23358895}]},{"text":"And how much is the the second one worth, would you say? About $50?","start_word":572,"end_word":585,"intents":[{"intent":"Inquire about vehicle worth","confidence_score":0.026143758},{"intent":"Inquire about vehicle size","confidence_score":0.0012297564},{"intent":"Confirm loan amount","confidence_score":0.16158004},{"intent":"Confirm balance","confidence_score":0.0020803222}]},{"text":"And have you had any changes to your health otherwise in the last twelve months? Any significant health issues or any injuries or anything, or everything's going okay? No. No.","start_word":623,"end_word":652,"intents":[{"intent":"Inquire about health status","confidence_score":0.021194886}]},{"text":"And when it comes to estate planning, do you have a will or power of attorney in place? Sorry.","start_word":660,"end_word":678,"intents":[{"intent":"Determine estate planning requirements","confidence_score":0.055987213}]},{"text":"Now with your superannuation, I do have a couple of multiple choice question here for you, Brendan. It is pretty straightforward. So if if it doesn't make sense, so let me know. There is no right or wrong answer either. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep.","start_word":1008,"end_word":1063,"intents":[{"intent":"Evaluate superannuation options","confidence_score":0.21709694}]},{"text":"Now that Brandon, that No. tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? Not really.","start_word":1585,"end_word":1626,"intents":[{"intent":"Assess investment portfolio balance","confidence_score":0.00007731551}]},{"text":"are you happy to remain in that high growth portfolio given you do have more closer to that eight years until retirement, or would you like to look at reducing or changing anything for you? No.","start_word":1986,"end_word":2021,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.02940975}]},{"text":"to open o two services guide, if you can see that one, it should be, like, the first one, I believe. The Can you services see that guide. one? Yep.","start_word":2162,"end_word":2191,"intents":[{"intent":"Open services guide","confidence_score":0.026086595}]},{"text":"But, otherwise, if you can open the one that says performance with IRR. Can you see that okay? Performance.","start_word":2364,"end_word":2382,"intents":[{"intent":"Open performance with irr","confidence_score":0.029260289}]},{"text":"So this one might look a little bit messy sometimes, but it basically shows you all your investments and kind of what's happened in the last, twelve months. So, basically, kind of at a at a high level, your portfolio is structured across, you know, three different, key areas.","start_word":2424,"end_word":2472,"intents":[{"intent":"Discuss portfolio structure","confidence_score":0.025130834}]},{"text":"So we've had, obviously, a bit of a turbulence last twelve months with everything going on in the world. Yep.","start_word":2553,"end_word":2572,"intents":[{"intent":"Describe turbulence in portfolio","confidence_score":0.006149726}]},{"text":"But in terms of your portfolio, so despite there being a bit of fluctuation in the last twelve months, your portfolio has still been positive, which is great.","start_word":2608,"end_word":2635,"intents":[{"intent":"Highlight positive portfolio return","confidence_score":0.015517699}]},{"text":"Now did you see an email that we sent through? It was about the March 13. Completely fine if you didn't, but it was an email in regards to an investment change that we made for you. Okay.","start_word":2712,"end_word":2749,"intents":[{"intent":"Share email","confidence_score":0.005310661}]},{"text":"And that is that one one of those investments that kind of had underperformed a little bit. We Yep. we did a lot of research, and the investment committee made the decision as well to swap that out for a better performing one. So we have already gone ahead and make that change for you.","start_word":2786,"end_word":2840,"intents":[{"intent":"Change investments","confidence_score":0.013274606}]},{"text":"But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993. Yep.","start_word":3159,"end_word":3190,"intents":[{"intent":"Update account status","confidence_score":0.013767127}]},{"text":"Now you probably have seen this one before, but it's a bit just a bit of an updated version. But it is just kind of a good visual representation of what we are talking about when we are talking about the market. And, basically, you can see here that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations. Okay. Yep.","start_word":3211,"end_word":3283,"intents":[{"intent":"Provide visual representation of market fluctuations","confidence_score":0.38393128}]},{"text":"Now the last thing then is if you are happy to do so, if you wanna click on the link where it says sign now, it will ask you to sign through document. Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client. The fee structure hasn't changed at all. It stays exactly the same at that 1.65%.","start_word":3293,"end_word":3365,"intents":[{"intent":"Provide service agreement confirmation","confidence_score":0.09157973},{"intent":"Inform about agreement duration","confidence_score":0.000002875913}]},{"text":"The fee structure hasn't changed at all. It stays exactly the same at that 1.65%.","start_word":3351,"end_word":3365,"intents":[{"intent":"Provide fee structure explanation","confidence_score":0.00026809718}]},{"text":"And then the last one it will get you to sign, it is just a tax file number. Just a compliance form just to say that we are keeping your tax file number secure on file. No worries.","start_word":3428,"end_word":3465,"intents":[{"intent":"Provide statutory confirmation","confidence_score":4.3726573e-7}]},{"text":"Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today? No.","start_word":3497,"end_word":3519,"intents":[{"intent":"Offer additional assistance","confidence_score":0.0018654707}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Brandon. Yeah.","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.22578345239162445},{"text":"Good. This is Veronica from Financial.","start_word":6,"end_word":11,"sentiment":"positive","sentiment_score":0.3649788498878479},{"text":"How are you? I'm not too bad.","start_word":12,"end_word":18,"sentiment":"neutral","sentiment_score":0.2497558295726776},{"text":"Thanks, Ronnie.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.48569223284721375},{"text":"Sorry. I I was I was watching something on YouTube, so I had to pause it. It was That's okay. Is now still a good time to complete mhmm. your Mhmm. interview? Yeah. Yeah. Yeah. Yeah. That's fine. Yeah.","start_word":21,"end_word":59,"sentiment":"neutral","sentiment_score":0.0829739198088646},{"text":"Perfect.","start_word":60,"end_word":60,"sentiment":"positive","sentiment_score":0.46474120020866394},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":61,"end_word":90,"sentiment":"neutral","sentiment_score":0.04638207703828811},{"text":"That's good. Perfect.","start_word":91,"end_word":93,"sentiment":"positive","sentiment_score":0.46471837162971497},{"text":"And just to confirm I am speaking with the right person, could you just give me your full name, date of birth, and address for me, please? Yeah. Sure. Brendan Graham. 121072 And 329 E Empire Avenue, Baraboo, Western Australia. Yeah.","start_word":94,"end_word":134,"sentiment":"neutral","sentiment_score":0.05430189147591591},{"text":"Perfect. That's exactly what I have here.","start_word":135,"end_word":141,"sentiment":"positive","sentiment_score":0.5126519799232483},{"text":"And how's your I'm day been so far? Been busy? not I'm I'm on my days off on my week off.","start_word":142,"end_word":162,"sentiment":"neutral","sentiment_score":0.034263815730810165},{"text":"So I Lovely.","start_word":163,"end_word":165,"sentiment":"positive","sentiment_score":0.42744579911231995},{"text":"I do, like, a a week on week off roster. So Yeah.","start_word":166,"end_word":177,"sentiment":"neutral","sentiment_score":0.26425206661224365},{"text":"I'm I'm just chilling today. It's taken easy. Oh, that's nice.","start_word":178,"end_word":188,"sentiment":"positive","sentiment_score":0.42831358313560486},{"text":"Now, Brendon, before I kind of jump into the interview with you, I do like to start by asking if there is anything specific that you would like me to address further with you today or any concerns or anything or just a bit of just a bit of a catch up to see how everything's going? No. I hadn't had anything I needed to speak about. Everything's Yep.","start_word":189,"end_word":257,"sentiment":"neutral","sentiment_score":0.06743735820055008},{"text":"pretty pretty cool. Going smoothly. Perfect.","start_word":258,"end_word":263,"sentiment":"positive","sentiment_score":0.48524248600006104},{"text":"So what I will do today is I will just go through a bit of an updated fact line with you first to see if there's anything that's changed. And then we'll go through a bit of an updated risk profile questionnaire. It's pretty straightforward, but that's just to see if we need to make any changes to your risk profile within your super. And then I'll kind of go through a couple of documents as well to kind of see what your super and what's happened in the last twelve months.","start_word":264,"end_word":355,"sentiment":"neutral","sentiment_score":0.059193633334792176},{"text":"Cool. Perfect.","start_word":356,"end_word":357,"sentiment":"positive","sentiment_score":0.6828630566596985},{"text":"So Okay. kind of bear with me as I go through the fact that I'm here with you just to see if there's anything that's changed. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Yeah. That's correct. Yep.","start_word":358,"end_word":409,"sentiment":"neutral","sentiment_score":0.06957623362541199},{"text":"Perfect.","start_word":410,"end_word":410,"sentiment":"positive","sentiment_score":0.3629124462604522},{"text":"Now next up, Ken, I have Hannah. That's still the case as well? Yep. Yep. Perfect. When it comes to occupation, has any of that changed in the last twelve months or still working as a driller? Yep. Still working as a drawer. Yep. Perfect. I have income at about $1.90. Is that Yeah. roughly That's the same? that's roughly that. Yep. Yep. Perfect. Now assets wise, I have here a motor vehicle about 20,000. Yeah. Yep. A boat, 5,000, and the caravan, about 9. Does that all sound right? That sounds about right. Yep. Perfect. Now do you have any other assets or any other, like, personal loans or credit cards or anything? Not any credit cards. No. Nope. Perfect. No. The personal loans or anything else. I I did get a personal loan for another vehicle. But yeah. Is this a matter? Yes. Yes. Sorry. I can add that. Sorry. You have two two vehicles now? Yeah. Yeah. Yep. And how much is the the second one worth, would you say? About $50? 50. Perfect. And what was the loan for? About 60. About 60. Yeah. Yeah. About 60. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. Yep. Perfect. And have you had any changes to your health otherwise in the last twelve months? Any significant health issues or any injuries or anything, or everything's going okay? No. No. No increase. No. No. No. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place? Sorry. What was the question? Do I have a A will in place or, like, oh, no. a power I of don't. attorney? Not at not at this stage. I I should get on to getting one done up, but I but I haven't as That's yet. No. okay. On the to do list. But you don't have anyone who makes any, you know, financial decisions on your behalf otherwise? No. No. That's No. just me. No. Yep.","start_word":411,"end_word":754,"sentiment":"neutral","sentiment_score":-0.007094389564076135},{"text":"Perfect.","start_word":755,"end_word":755,"sentiment":"positive","sentiment_score":0.35139504075050354},{"text":"Perfect. And are you politically exposed at all or earn an income from overseas? No. Perfect. And I guess when it comes to kind of goals and stuff that you are working towards, when we spoke to you last during your interview, you kind of No. mentioned that your focus was to kind of build up a little bit of a savings account just to have that in place if there's, you know, some unforeseen circumstances or anything. Is that still kind of the the goal for yourself? Probably not since I took him on the line. Okay. Yeah. Yeah. My I had my reasons to do that. I have to Yeah. take on a second vehicle, but yeah. Yeah. No. That's okay. So what would you say, I guess, in the next twelve months or couple of years? Is there, like, a focus for you? Is that to pay down the personal loan, or what kind Yeah. of something that you yeah. Focus That's on my paying priority. up. Yeah. Yeah. Perfect. Anything else that you're working towards? Not really. No. No. No. Perfect. Now, otherwise, are you still kind of planning on retiring at around 60? Yeah. It depends on what the government Yep. like, like, set the retirement age to be. But yeah. Yeah. So with the current legislation, if you're eligible for age pension, it's eight sixty seven. Otherwise, 60 if you stop working is when you can start accessing some of your superannuation. Yep. Yep. Perfect. Now with your superannuation, I do have a couple of multiple choice question here for you, Brendan. It is pretty straightforward. So if if it doesn't make sense, so let me know. There is no right or wrong answer either. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Yep.","start_word":756,"end_word":1063,"sentiment":"neutral","sentiment_score":0.0318693829724541},{"text":"Perfect.","start_word":1064,"end_word":1064,"sentiment":"positive","sentiment_score":0.632521390914917},{"text":"Now when it comes to superannuation, how much risk are you willing to take in order to make sure that, you know, you stay on top of the rising prices and inflation and everything like that? Or would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk order to try to make sure that everything keeps growing for you. Currently in the high and moderate region. High. Yep.","start_word":1065,"end_word":1142,"sentiment":"neutral","sentiment_score":0.11664488166570663},{"text":"Perfect.","start_word":1143,"end_word":1143,"sentiment":"positive","sentiment_score":0.4688893854618073},{"text":"And if you place an investment, and after six months, you found out that your portfolio has gone down by 20% due to general trends in the market, so not one particular investment that's gone bad, just kind of the market as a whole, If you had the option to do so, would you think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped? It's more like the the wait and see White approach, and see? I guess. Yeah. Yeah. Yeah.","start_word":1144,"end_word":1266,"sentiment":"neutral","sentiment_score":0.029091423377394676},{"text":"Great.","start_word":1267,"end_word":1267,"sentiment":"positive","sentiment_score":0.4181645512580872},{"text":"And when it comes to, you know, fluctuation and investments going down in value, if you ever noticed that at any point in time, would you think it would make you feel optimistic about future opportunities, a bit more neutral, you know, not making any further investments, concerned, or highly anxious? With that one, that depends on what the commodities that you're investing Yeah. in and what its history would be, if Yep. you know what I mean. Yeah. Yeah. If it's obviously, because you're super is that long term investment and if it is kind of, you know, research and solid investment, so not like Yeah. a a risky investment, so to say, Would you how would you feel? And I know it's sometimes hard because it's theorens depending on what's going on. It's Yeah. more to see how how you would feel in that situation, like how your, you know, behavior and stuff would be. As long as it's not, you know, a super risky investment, would you say that you'd be a bit more neutral, or would you lean more towards the concerned aspect? I I guess that'd be neutral. And Neutral. like like I said, there are probably a little hypervariable factors Yes. that work around that as well, like, inflation. Yeah. Yep. You know what I mean? Yes. Yeah. It's a bit tricky, that one. No. That makes sense. Perfect. And last one here is borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Probably not at this No. stage. No. No. Not not unless I had inside information. Yep. You know what I mean? Yeah. No. That's fine. And the would you ever be open to borrow for an investment property? Probably not at my age. I I guess, didn't really was at a younger age, but not not at my age. No. Now that Brandon, that No. tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? Not really. I'm not sorry. No. No. No. That's okay. Well, basically, they're both kind of similar in that you are, you know, looking at getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement. I I I guess every everyone has that. That doesn't everyone? Yeah. Yeah. Yeah. I guess it depends on as well time frames as well. Yeah. So what we are also looking at is, you know, how long until you wanna completely retire as well. Retreats. Yeah. Yeah. And, also, you know, comfortable seeing a bit of short term fluctuation to make sure that long term, it continues to to maximize that growth for you. But if we are looking at a time frame, so in a growth portfolio, we see about six years until retirement. And in a high yeah?","start_word":1268,"end_word":1773,"sentiment":"neutral","sentiment_score":0.018237728183801937},{"text":"I'm quite I'm quite fortunate. In my profession, I'm I'm I'm reasonably good at what I do.","start_word":1774,"end_word":1790,"sentiment":"positive","sentiment_score":0.5632571578025818},{"text":"Yep. And the company I work for, like, you they they keep me employed for as long as they can, as long as they wanted to hold on to me, I guess. Yeah. Yeah. Yeah. So So you're that's quite comfortable. one of my Yeah. yeah. It's just one Yeah. of my one of my benefits. Yeah. Yeah.","start_word":1791,"end_word":1848,"sentiment":"neutral","sentiment_score":0.18642042577266693},{"text":"Oh, that's perfect. It's nice when you have that.","start_word":1849,"end_word":1857,"sentiment":"positive","sentiment_score":0.6623256206512451},{"text":"And because otherwise, in a high growth, which is what you currently have are invested in, we're looking about at eight years until retirement. And when we are kind of looking at asset allocations to how your money is invested, in a high growth, we see about 90% invested in what we would call your growth investment. So that will be things like Australian chef, international chef, and property and commodity. And that is Yeah. kind of what's going to, you know, grow that super for you. And then we have that 10% more the defensive, like your cash, your gold, your fixed interest, limit fluctuations a little bit. A growth portfolio is about a 10% difference, so it's about an eighty and twenty allocation. Now, Brendon, Okay. are you happy to remain in that high growth portfolio given you do have more closer to that eight years until retirement, or would you like to look at reducing or changing anything for you? No. I'm happy to Nope. stay where Happy. I am. Yep. Yep. Perfect. Now do you have access to your emails at the moment or not really right now? I I I've opened up the email that you sent me already. Perfect. Speak me to it. Now with the email, it might look a little bit different to what it did last time because we have changed the software a little bit. But, essentially, before you click on the link where it says sign now, at the bottom of that email, do you see a couple of attachments?","start_word":1858,"end_word":2118,"sentiment":"neutral","sentiment_score":0.0978805727799962},{"text":"I've been a bad person. I've gone into that.","start_word":2119,"end_word":2127,"sentiment":"negative","sentiment_score":-0.5801557302474976},{"text":"The other one, I can get back. Yeah. Just so I can kind of talk to see those documents there for you. Okay. So the attachments are 12345. Yes. So if you want Yep. to open o two services guide, if you can see that one, it should be, like, the first one, I believe. The Can you services see that guide. one? Yep. I'm gonna Yes. open that one. Yes. So you would have seen this one before. It's one of those kind of compliance documents. But, basically, everything that you need to know about us is in here. So all the important information, everything about the team, our directors, our advisers, everything is in there. Now if you want to scroll down to page see here. 10. Yes. That's Savvy. Yeah. Connor. And then on the next one, you will see Larissa and Tommy. And then on the following page after that, you will see myself next to Dana. And sometimes it's nice to put a face to the boy. Yeah. Yeah. Yeah. There you go. Now, otherwise, the second attachment, you should see services guide version four. I won't get you to open that. It's just like a smaller version of the other one. Again, just one of those compliance documents, but it is good to have it there if you ever do wanna go back and have a read over it. Yeah. But, otherwise, if you can open the one that says performance with IRR. Can you see that okay? Performance. It should have twenty twenty Yes. six. The next one now is the third one. Yep.","start_word":2128,"end_word":2398,"sentiment":"neutral","sentiment_score":0.09482931345701218},{"text":"Yeah. Perfect.","start_word":2399,"end_word":2400,"sentiment":"positive","sentiment_score":0.4365590810775757},{"text":"And is that the one that shows you the investments in Netwealth, like a bit of a report in Netwealth? Yeah.","start_word":2401,"end_word":2421,"sentiment":"neutral","sentiment_score":0.1892361044883728},{"text":"Yeah. Perfect.","start_word":2422,"end_word":2423,"sentiment":"positive","sentiment_score":0.480197012424469},{"text":"So this one might look a little bit messy sometimes, but it basically shows you all your investments and kind of what's happened in the last, twelve months. So, basically, kind of at a at a high level, your portfolio is structured across, you know, three different, key areas. So first, you got your, you know, your growth assets, which kind of makes up the majority of the portfolio. So you'll have your Australian shares, international markets, like a bit of US, bit of Europe, and bit of Japan for diversification for you. And those are really the the engine driving your long term return. And then you do have diversifiers. So you have that gold, which kind of help protect the portfolio during periods of uncertainty and volatility. So we've had, obviously, a bit of a turbulence last twelve months with everything going on in the world. Yep. First, obviously, you had everything in The US with Trump and the tariffs and everything, and, obviously, more recently, the war and stuff. So had a bit of that turbulence in the last twelve months. But in terms of your portfolio, so despite there being a bit of fluctuation in the last twelve months, your portfolio has still been positive, which is great. So it's still Yeah.","start_word":2424,"end_word":2639,"sentiment":"neutral","sentiment_score":0.1280067265033722},{"text":"kind of delivered kind of a modest return of about 4.5% off the fee. And that is still pretty good given that it came during a fairly mixed market environment. So your exposures to The US, they delivered very good solid returns. Japan and Europe, which you will see here as well, that was also very good.","start_word":2640,"end_word":2696,"sentiment":"positive","sentiment_score":0.4876592457294464},{"text":"The the area Yes. that kind of underperformed a little bit was the Australian market. Now did you see an email that we sent through? It was about the March 13. Completely fine if you didn't, but it was an email in regards to an investment change that we made for you. Okay. Yes. I I probably did read it. I read most most things that come through Yes. from you guys.","start_word":2697,"end_word":2768,"sentiment":"neutral","sentiment_score":0.09458186477422714},{"text":"Good.","start_word":2769,"end_word":2769,"sentiment":"positive","sentiment_score":0.4040313959121704},{"text":"Yeah. It wasn't anything you had to ask, and it was just for your reference. And that is that one one of those investments that kind of had underperformed a little bit. We Yep. we did a lot of research, and the investment committee made the decision as well to swap that out for a better performing one. So we have already gone ahead and make that change for you. So what we changed was just one investment, which was the Benelong Australian equity, and what we swapped it for was the BetaShares Australia two hundred. So still keeping Okay. it in the Australian market, but the the BetaShares Australia two hundred, it was a little bit cheaper for you because it doesn't have the same active component, but, also, it it was better performing, which is good. So the investment committee, like I said, did all that research on the investment, and we didn't really foresee Ben along kind of coming back around.","start_word":2770,"end_word":2933,"sentiment":"neutral","sentiment_score":0.16578609319176615},{"text":"So we made the decision to change it for you, which will see, you know, things moving forward look a bit better for you as well.","start_word":2934,"end_word":2959,"sentiment":"positive","sentiment_score":0.3986072540283203},{"text":"So you didn't have to change or or sign anything, but it's just for your reference so that you do know, you know, the reasons of why which, you know, did make that investment and what we changed it for. So that was just one of those investments there for you. That's basically Okay. what that what that email was.","start_word":2960,"end_word":3019,"sentiment":"neutral","sentiment_score":0.13255655765533447},{"text":"But, overall, though, the portfolio, like I said, has done pretty good considering the last twelve months, and it Yeah. is kind of, you know, very good and well positioned from a long term perspective. And that is kind of how we, you know, do expect a well diversified portfolio to behave. So Yep. overall, you know, quite happy with with everything.","start_word":3020,"end_word":3081,"sentiment":"positive","sentiment_score":0.4671371579170227},{"text":"Yeah. Do you have any questions in regards to any of that? No. No. No. Makes sense. So No. please Perfect. check forward the day. Yeah. Now the the next one for you there, Brendan, is a bit of a super summary. Can you see that one? Yeah. Yeah. Perfect. Now this document was prepared on the April 13, and at that time, you had 200 and 7,000 7 hundred and 11 in your Netwealth account.","start_word":3082,"end_word":3157,"sentiment":"neutral","sentiment_score":0.10641082376241684},{"text":"But I've just logged in through your account as well, and it's gone up a little bit this last few days as well, which is good, and it's now at 209,993. Yep.","start_word":3158,"end_word":3189,"sentiment":"positive","sentiment_score":0.3883803188800812},{"text":"Yep.","start_word":3190,"end_word":3190,"sentiment":"neutral","sentiment_score":0.17468975484371185},{"text":"Perfect.","start_word":3191,"end_word":3191,"sentiment":"positive","sentiment_score":0.4757649004459381},{"text":"Now the last one here is then your Vanguard index chart. Can you see that one? Yeah. Yep. Perfect. Now you probably have seen this one before, but it's a bit just a bit of an updated version. But it is just kind of a good visual representation of what we are talking about when we are talking about the market. And, basically, you can see here that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations. Okay. Yep. Kath, any questions? No. No. No. Makes sense. Perfect. Now the last thing then is if you are happy to do so, if you wanna click on the link where it says sign now, it will ask you to sign through document. Now the first one is an ongoing service agreement, And that is just to say that you are happy to stay on as a client. The fee structure hasn't changed at all. It stays exactly the same at that 1.65%. No changes in regards to the fee structure. Just basically to let Netwealth know that you're happy to stay on a decline, and we can keep servicing your account. But it's not a lock in contract. So, you know, if at any point in time you are not happy, there is no lock in contract. So that's it.","start_word":3192,"end_word":3423,"sentiment":"neutral","sentiment_score":0.10610387474298476},{"text":"That's all good. Perfect.","start_word":3424,"end_word":3427,"sentiment":"positive","sentiment_score":0.3596271872520447},{"text":"And then the last one it will get you to sign, it is just a tax file number. Just a compliance form just to say that we are keeping your tax file number secure on file. No worries.","start_word":3428,"end_word":3465,"sentiment":"neutral","sentiment_score":0.1941417157649994},{"text":"I've done that Perfect. and Amazing. validated. So, Yep. yeah, it's all good. Perfect. That's all come through okay.","start_word":3466,"end_word":3484,"sentiment":"positive","sentiment_score":0.5020526647567749},{"text":"Now before I let you go, otherwise, do you have any questions? Is there anything else that I can help you with while I got you on the phone or I'm pretty straightforward today? No. No. That's so straightforward. No?","start_word":3485,"end_word":3524,"sentiment":"neutral","sentiment_score":0.2160898926667869},{"text":"Alright. Perfect. Well, I will let you go and enjoy the rest of your day off. Thank And you.","start_word":3525,"end_word":3543,"sentiment":"positive","sentiment_score":0.6689842939376831},{"text":"if you need anything else at any point in time, don't hesitate to give us a call.","start_word":3544,"end_word":3560,"sentiment":"neutral","sentiment_score":0.2144087105989456},{"text":"Thank you very much, Franca. You have yourself a wonderful day. Thank you so much. We'll speak soon, Brendan.","start_word":3561,"end_word":3579,"sentiment":"positive","sentiment_score":0.6653690338134766},{"text":"No worries.","start_word":3580,"end_word":3581,"sentiment":"neutral","sentiment_score":0.2887412905693054},{"text":"Thank you. Thanks. Bye. See you.","start_word":3582,"end_word":3587,"sentiment":"positive","sentiment_score":0.5002872347831726}],"average":{"sentiment":"neutral","sentiment_score":0.11289496416943308}}}}