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So I sent an email maybe ten or so minutes ago just to get myself all ready and get everything sent to you ahead of a call. So you should have that in your email. It may have gone to spam. We've just moved to a new CRM system that has everything combined. But it's just the statement of advice with the new investment recommendation. Fantastic. So as we spoke about it, like, we were very, very much, like, sort of looking at just making an update to the investment just to remove some of those what? Okay. Table of contents is absolutely a mess. But, anyway, we can just ignore how how that is not in any way, shape, or form works. But, anyway, I'll send it to you again after we head off the phone. But The crux of the advice really lies with removing some of those underlying investments. So there's four investments that I want to move after I sort of had a really good look at where things were sitting and just what's kind of happened, climate, ly, over the last little bit. I wanted to remove four of those investments and just kind of pad out your just have that better cushion where the market's going and just make sure that we could have better protection over your assets while still difference. So the that I want one of them is a banking hybrid. India Holdings. It's a a defensive it's called a a fund. It's a very sort of defensive fund. Oh, am I? You're just like say that. I wonder what's happening with the phone line. Do you have me okay now? Okay. Good. So, yeah, as I was saying, one of them is a banking hybrid. So I wanna move us out of that. I wanna move us out of a yield fund. Also, move out of a it's called a a global research equity and also out of a Australian holding. The Australian holding, still still good, but it's just a little bit expensive. And I've moved into that Australian 200 option the last time we spoke a month ago. So I just wanna kind of pull this out a little bit and just move things around. So with those getting rid of those four, I'm gonna put four others in. Those other fours are Europe, Japan, a all world. So getting a little bit more of of our emerging markets across the globe and then putting a little bit of a deficit in in a sort of composite bond. So just replacing those conservative assets that we're getting rid of, that bank hybrid with that that bond just so we can sort of get some information on there. So not not changes. Just a little bit of kind of reshuffling of things. I wanna do the same thing across both the super and investment fund. And the really good thing is is we're saving we're cutting some investment fees in half. So we're sort of saving about $320 per month on super fund with with those investment fees because it's a little bit cheaper, which is nice. And our performance on those funds has been a have have been better with how volatile the market's been as well. So I'm looking much better with all of that. Obviously, the last very, very but still still a a lot better. It's gonna give you that better better protection, especially with that inflation I don't know. So nothing nothing too too too crazy move wise on that. Obviously, we keep your insurance happening and and from the way it currently is. So it's just it's just very, very limited to the graduation to but I think that's gonna put us in a much better position, especially over the next twelve months while things are really up in the air. Like, there has been like, I'm making some some moves with some with some of my clients, but it's a lot of my clients I'm holding just depending on the stages that they're in or making very slight movements like I'm doing for you. And that's purely and simply because, like, it's a long term view. So I don't wanna, you know, make rash or knee jerk reactions, but I do wanna still, you know, position us for the inflation risk and where we're currently sitting and what's currently going on. That's the whole point. My what you know? But, yeah, like, I'm not, you know, making huge, huge movements segmented and and just to make sure that I'm trying to capture where the market's going and not necessarily predict the market completely because it can it can be unpredictable, but just make sure we do have that cushion to help us with the inflation. You know? So so yeah. So really nice and easy. If you know, obviously, go and have a read. I'm gonna reissue it to you because the table of is gonna annoy your crap. I don't even know why. It's all, like, going all haywire anyway. It was perfect when I zipped up this morning. But I'll I'll redo that, and I'll just reissue it to you. And once you have the chance to have a redo sign it, I will flip the investments me. Okay. Yeah. No. That's okay. Was did you have any questions about the investments that I've incorporated or anything like that? Yeah. Definitely. No. Absolutely. It has. Yeah. Just it's just doing its thing. Look. If if your three is anything by, you know, GFC, biggest market downturn, you know, those that sold out and went to cash because they knee jerk reaction got scared, a lot of your pre retirees were in that position, you know, and they they attribute the GFC to why they weren't able to retire. They had to go back to work. And a lot of that was because they need your reaction. They sold out. They moved to cash, and then they bought back into the market way too late because they tried to fix it and ended up short. And because of that, they did have to return to to work because they didn't have the funds behind them to be able to retire. Obviously, we're not pre retirement right now, so we're pretty good. But, you know, holding does historically give us a much better, you know, return over that longer term. Allows us to just just see it out. Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good. No. Perfect. And if I don't talk to you beforehand, if you have no questions, I hope you have a lovely Easter. Thanks. Oh, right. No. No problem. Thanks, Nicola. 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Nicola. How are you going? Good. Thanks now. How's your day, Vane?\n\nOh, no. What happened? Yeah. I know all about that. So I sent an email maybe ten or so minutes ago just to get myself all ready and get everything sent to you ahead of a call.\n\nSo you should have that in your email. It may have gone to spam. We've just moved to a new CRM system that has everything combined. But it's just the statement of advice with the new investment recommendation. Fantastic.\n\nSo as we spoke about it, like, we were very, very much, like, sort of looking at just making an update to the investment just to remove some of those what? Okay. Table of contents is absolutely a mess. But, anyway, we can just ignore how how that is not in any way, shape, or form works. But, anyway, I'll send it to you again after we head off the phone.\n\nBut The crux of the advice really lies with removing some of those underlying investments. So there's four investments that I want to move after I sort of had a really good look at where things were sitting and just what's kind of happened, climate, ly, over the last little bit. I wanted to remove four of those investments and just kind of pad out your just have that better cushion where the market's going and just make sure that we could have better protection over your assets while still difference. So the that I want one of them is a banking hybrid. India Holdings.\n\nIt's a a defensive it's called a a fund. It's a very sort of defensive fund. Oh, am I? You're just like say that. I wonder what's happening with the phone line.\n\nDo you have me okay now? Okay. Good. So, yeah, as I was saying, one of them is a banking hybrid. So I wanna move us out of that.\n\nI wanna move us out of a yield fund. Also, move out of a it's called a a global research equity and also out of a Australian holding. The Australian holding, still still good, but it's just a little bit expensive. And I've moved into that Australian 200 option the last time we spoke a month ago. So I just wanna kind of pull this out a little bit and just move things around.\n\nSo with those getting rid of those four, I'm gonna put four others in. Those other fours are Europe, Japan, a all world. So getting a little bit more of of our emerging markets across the globe and then putting a little bit of a deficit in in a sort of composite bond. So just replacing those conservative assets that we're getting rid of, that bank hybrid with that that bond just so we can sort of get some information on there. So not not changes.\n\nJust a little bit of kind of reshuffling of things. I wanna do the same thing across both the super and investment fund. And the really good thing is is we're saving we're cutting some investment fees in half. So we're sort of saving about $320 per month on super fund with with those investment fees because it's a little bit cheaper, which is nice. And our performance on those funds has been a have have been better with how volatile the market's been as well.\n\nSo I'm looking much better with all of that. Obviously, the last very, very but still still a a lot better. It's gonna give you that better better protection, especially with that inflation I don't know. So nothing nothing too too too crazy move wise on that. Obviously, we keep your insurance happening and and from the way it currently is.\n\nSo it's just it's just very, very limited to the graduation to but I think that's gonna put us in a much better position, especially over the next twelve months while things are really up in the air. Like, there has been like, I'm making some some moves with some with some of my clients, but it's a lot of my clients I'm holding just depending on the stages that they're in or making very slight movements like I'm doing for you. And that's purely and simply because, like, it's a long term view. So I don't wanna, you know, make rash or knee jerk reactions, but I do wanna still, you know, position us for the inflation risk and where we're currently sitting and what's currently going on. That's the whole point.\n\nMy what you know? But, yeah, like, I'm not, you know, making huge, huge movements segmented and and just to make sure that I'm trying to capture where the market's going and not necessarily predict the market completely because it can it can be unpredictable, but just make sure we do have that cushion to help us with the inflation. You know? So so yeah. So really nice and easy.\n\nIf you know, obviously, go and have a read. I'm gonna reissue it to you because the table of is gonna annoy your crap. I don't even know why. It's all, like, going all haywire anyway. It was perfect when I zipped up this morning.\n\nBut I'll I'll redo that, and I'll just reissue it to you. And once you have the chance to have a redo sign it, I will flip the investments me. Okay. Yeah. No.\n\nThat's okay. Was did you have any questions about the investments that I've incorporated or anything like that? Yeah. Definitely. No.\n\nAbsolutely. It has. Yeah. Just it's just doing its thing. Look.\n\nIf if your three is anything by, you know, GFC, biggest market downturn, you know, those that sold out and went to cash because they knee jerk reaction got scared, a lot of your pre retirees were in that position, you know, and they they attribute the GFC to why they weren't able to retire. They had to go back to work. And a lot of that was because they need your reaction. They sold out. They moved to cash, and then they bought back into the market way too late because they tried to fix it and ended up short.\n\nAnd because of that, they did have to return to to work because they didn't have the funds behind them to be able to retire. Obviously, we're not pre retirement right now, so we're pretty good. But, you know, holding does historically give us a much better, you know, return over that longer term. Allows us to just just see it out. Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good.\n\nNo. Perfect. And if I don't talk to you beforehand, if you have no questions, I hope you have a lovely Easter. Thanks. Oh, right.\n\nNo. No problem. Thanks, Nicola. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nicola.","start":0.0,"end":9.139999,"sentiment":"neutral","sentiment_score":0.09358818456530571},{"text":"How are you going?","start":9.2,"end":10.099999,"sentiment":"neutral","sentiment_score":0.2282688170671463},{"text":"Good.","start":12.559999,"end":12.96,"sentiment":"positive","sentiment_score":0.5148910284042358},{"text":"Thanks now.","start":12.96,"end":13.94,"sentiment":"positive","sentiment_score":0.5258722603321075},{"text":"How's your day, Vane?","start":14.16,"end":15.38,"sentiment":"neutral","sentiment_score":0.2722669094800949}],"sentiment":"neutral","sentiment_score":0.2889196018760021,"num_words":13,"start":0.0,"end":15.38},{"sentences":[{"text":"Oh, no.","start":21.335,"end":21.815,"sentiment":"neutral","sentiment_score":-0.1730014532804489},{"text":"What happened?","start":21.815,"end":22.555,"sentiment":"neutral","sentiment_score":-0.15431559830904007},{"text":"Yeah.","start":29.08,"end":29.4,"sentiment":"neutral","sentiment_score":0.02249758318066597},{"text":"I know all about that.","start":29.4,"end":30.78,"sentiment":"neutral","sentiment_score":0.012041273340582848},{"text":"So I sent an email maybe ten or so minutes ago just to get myself all ready and get everything sent to you ahead of a call.","start":34.28,"end":46.425,"sentiment":"neutral","sentiment_score":0.10300896496132568}],"sentiment":"neutral","sentiment_score":0.059711132450280965,"num_words":37,"start":21.335,"end":46.425},{"sentences":[{"text":"So you should have that in your email.","start":46.425,"end":47.785,"sentiment":"neutral","sentiment_score":0.06883047567680478},{"text":"It may have gone to spam.","start":47.785,"end":49.065002,"sentiment":"neutral","sentiment_score":-0.11039931699633598},{"text":"We've just moved to a new CRM system that has everything 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mess.","start":84.225006,"end":86.145004,"sentiment":"neutral","sentiment_score":-0.18882862691368377},{"text":"But, anyway, we can just ignore how how that is not in any way, shape, or form works.","start":86.145004,"end":91.64001,"sentiment":"neutral","sentiment_score":-0.08944017936786015},{"text":"But, anyway, I'll send it to you again after we head off the phone.","start":91.64001,"end":96.28001,"sentiment":"neutral","sentiment_score":0.008864936152739184}],"sentiment":"neutral","sentiment_score":-0.03785806020695559,"num_words":71,"start":68.0,"end":96.28001},{"sentences":[{"text":"But The crux of the advice really lies with removing some of those underlying investments.","start":96.28001,"end":108.935005,"sentiment":"neutral","sentiment_score":-0.13562632004419964},{"text":"So there's four investments that I want to move after I sort of had a really good look at where things were sitting and just what's kind of happened, climate, ly, over the last little bit.","start":108.935005,"end":119.78,"sentiment":"neutral","sentiment_score":-0.0023961326935225064},{"text":"I wanted to remove four of those investments and just kind of pad out your just have that better cushion where the market's going and just make sure that we could have better protection over your assets while still difference.","start":121.04,"end":137.47499,"sentiment":"neutral","sentiment_score":0.026141056045889854},{"text":"So the that I want one of them is a banking hybrid.","start":140.015,"end":143.875,"sentiment":"neutral","sentiment_score":0.027211641582349937},{"text":"India Holdings.","start":145.04001,"end":145.86,"sentiment":"neutral","sentiment_score":0.0131012462079525}],"sentiment":"neutral","sentiment_score":-0.0068787728037152975,"num_words":105,"start":96.28001,"end":145.86},{"sentences":[{"text":"It's a a defensive it's called a a fund.","start":147.44,"end":153.76001,"sentiment":"neutral","sentiment_score":0.001815894308189551},{"text":"It's a very sort of defensive fund.","start":153.76001,"end":155.70001,"sentiment":"neutral","sentiment_score":-0.08261010290256568},{"text":"Oh, am I?","start":156.08,"end":157.38,"sentiment":"neutral","sentiment_score":-0.06677289307117462},{"text":"You're just like say that.","start":159.085,"end":161.005,"sentiment":"neutral","sentiment_score":-0.08696905821561814},{"text":"I wonder what's happening with the phone line.","start":161.005,"end":163.265,"sentiment":"neutral","sentiment_score":-0.11082426737993956}],"sentiment":"neutral","sentiment_score":-0.06511518065235578,"num_words":32,"start":147.44,"end":163.265},{"sentences":[{"text":"Do you have me okay now?","start":163.725,"end":165.10501,"sentiment":"neutral","sentiment_score":-0.008602339774370193},{"text":"Okay.","start":166.60501,"end":166.925,"sentiment":"neutral","sentiment_score":0.0733422040939331},{"text":"Good.","start":166.925,"end":167.425,"sentiment":"neutral","sentiment_score":0.09914450347423552},{"text":"So, yeah, as I was saying, one of them is a banking hybrid.","start":168.04501,"end":173.79001,"sentiment":"neutral","sentiment_score":0.017784087130656608},{"text":"So I wanna move us out of that.","start":174.01001,"end":175.95,"sentiment":"neutral","sentiment_score":0.0011058645322918892}],"sentiment":"neutral","sentiment_score":0.012445266133752363,"num_words":29,"start":163.725,"end":175.95},{"sentences":[{"text":"I wanna move us out of a yield fund.","start":177.05,"end":179.31,"sentiment":"neutral","sentiment_score":-0.017399595429499943},{"text":"Also, move out of a it's called a a global research equity and also out of a Australian holding.","start":179.85,"end":191.565,"sentiment":"neutral","sentiment_score":0.006803940442439757},{"text":"The Australian holding, still still good, but it's just a little bit expensive.","start":191.865,"end":196.505,"sentiment":"neutral","sentiment_score":-0.07540995255112648},{"text":"And I've moved into that Australian 200 option the last time we spoke a month ago.","start":196.505,"end":202.01999,"sentiment":"neutral","sentiment_score":0.012812161294277757},{"text":"So I just wanna kind of pull this out a little bit and just move things around.","start":202.01999,"end":206.68,"sentiment":"neutral","sentiment_score":0.0530428285984432}],"sentiment":"neutral","sentiment_score":0.0013388080170025696,"num_words":74,"start":177.05,"end":206.68},{"sentences":[{"text":"So with those getting rid of those four, I'm gonna put four others in.","start":208.09999,"end":214.445,"sentiment":"neutral","sentiment_score":0.018620731042964116},{"text":"Those other fours are Europe, Japan, a all world.","start":214.985,"end":219.145,"sentiment":"neutral","sentiment_score":0.04501652614110046},{"text":"So getting a little bit more of of our emerging markets across the globe and then putting a little bit of a deficit in in a sort of composite bond.","start":219.145,"end":228.86,"sentiment":"neutral","sentiment_score":0.02285265810787678},{"text":"So just replacing those conservative assets that we're getting rid of, that bank hybrid with that that bond just so we can sort of get some information on there.","start":228.86,"end":243.555,"sentiment":"neutral","sentiment_score":0.027016598217446227},{"text":"So not not changes.","start":243.555,"end":245.655,"sentiment":"neutral","sentiment_score":-0.02009901963174343}],"sentiment":"neutral","sentiment_score":0.02388958119635665,"num_words":86,"start":208.09999,"end":245.655},{"sentences":[{"text":"Just a little bit of kind of reshuffling of things.","start":245.715,"end":248.295,"sentiment":"neutral","sentiment_score":0.017026246059685946},{"text":"I wanna do the same thing across both the super and investment fund.","start":248.435,"end":252.27,"sentiment":"neutral","sentiment_score":0.1270635827229573},{"text":"And the really good thing is is we're saving we're cutting some investment fees in half.","start":253.15001,"end":257.41,"sentiment":"positive","sentiment_score":0.40357118798419833},{"text":"So we're sort of saving about $320 per month on super fund with with those investment fees because it's a little bit cheaper, which is nice.","start":259.31,"end":268.26498,"sentiment":"positive","sentiment_score":0.4149429087455456},{"text":"And our performance on those funds has been a have have been better with how volatile the market's been as well.","start":268.485,"end":276.245,"sentiment":"neutral","sentiment_score":0.09636266245728448}],"sentiment":"neutral","sentiment_score":0.2452483672410423,"num_words":86,"start":245.715,"end":276.245},{"sentences":[{"text":"So I'm looking much better with all of that.","start":276.245,"end":279.76,"sentiment":"positive","sentiment_score":0.36011962095896405},{"text":"Obviously, the last very, very but still still a a lot better.","start":279.76,"end":286.96002,"sentiment":"neutral","sentiment_score":0.16678235307335854},{"text":"It's gonna give you that better better protection, especially with that inflation I don't know.","start":286.96002,"end":291.54,"sentiment":"neutral","sentiment_score":0.23481477051973343},{"text":"So nothing nothing too too too crazy move wise on that.","start":296.685,"end":301.345,"sentiment":"neutral","sentiment_score":-0.013342035764997656},{"text":"Obviously, we keep your insurance happening and and from the way it currently is.","start":301.645,"end":305.345,"sentiment":"neutral","sentiment_score":0.03716976381838322}],"sentiment":"neutral","sentiment_score":0.14980820792376018,"num_words":61,"start":276.245,"end":305.345},{"sentences":[{"text":"So it's just it's just very, very limited to the graduation to but I think that's gonna put us in a much better position, especially over the next twelve months while things are really up in the air.","start":306.34998,"end":316.12997,"sentiment":"neutral","sentiment_score":0.038573335267995536},{"text":"Like, there has been like, I'm making some some moves with some with some of my clients, but it's a lot of my clients I'm holding just depending on the stages that they're in or making very slight movements like I'm doing for you.","start":328.085,"end":343.91,"sentiment":"neutral","sentiment_score":0.08467150310223753},{"text":"And that's purely and simply because, like, it's a long term view.","start":344.37,"end":347.50998,"sentiment":"neutral","sentiment_score":0.09850089810788631},{"text":"So I don't wanna, you know, make rash or knee jerk reactions, but I do wanna still, you know, position us for the inflation risk and where we're currently sitting and what's currently going on.","start":347.72998,"end":357.285,"sentiment":"neutral","sentiment_score":0.06305478091484734},{"text":"That's the whole point.","start":357.905,"end":358.885,"sentiment":"neutral","sentiment_score":0.09047301486134529}],"sentiment":"neutral","sentiment_score":0.06723423342437561,"num_words":133,"start":306.34998,"end":358.885},{"sentences":[{"text":"My what you know?","start":359.265,"end":360.245,"sentiment":"neutral","sentiment_score":0.01958545157685876},{"text":"But, yeah, like, I'm not, you know, making huge, huge movements segmented and and just to make sure that I'm trying to capture where the market's going and not necessarily predict the market completely because it can it can be unpredictable, but just make sure we do have that cushion to help us with the inflation.","start":361.265,"end":383.61502,"sentiment":"neutral","sentiment_score":0.0572959819276418},{"text":"You know?","start":384.23502,"end":384.89502,"sentiment":"neutral","sentiment_score":0.01192657370120287},{"text":"So so yeah.","start":387.435,"end":388.555,"sentiment":"neutral","sentiment_score":0.17283710837364197},{"text":"So really nice and easy.","start":388.555,"end":391.05,"sentiment":"positive","sentiment_score":0.6050127506256103}],"sentiment":"neutral","sentiment_score":0.09791921457009656,"num_words":70,"start":359.265,"end":391.05},{"sentences":[{"text":"If you know, obviously, go and have a read.","start":391.27,"end":393.43,"sentiment":"neutral","sentiment_score":0.11165597041447957},{"text":"I'm gonna reissue it to you because the table of is gonna annoy your crap.","start":393.43,"end":397.29,"sentiment":"neutral","sentiment_score":-0.16233470030128955},{"text":"I don't even know why.","start":398.87,"end":399.99,"sentiment":"neutral","sentiment_score":-0.13599330931901932},{"text":"It's all, like, going all haywire anyway.","start":399.99,"end":402.57,"sentiment":"neutral","sentiment_score":-0.14363588286297663},{"text":"It was perfect when I zipped up this 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historically give us a much better, you know, return over that longer term.","start":508.35,"end":515.315,"sentiment":"neutral","sentiment_score":0.11395769152376387},{"text":"Allows us to just just see it out.","start":515.855,"end":518.255,"sentiment":"neutral","sentiment_score":0.12412066292017698},{"text":"Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good.","start":518.255,"end":528.27,"sentiment":"neutral","sentiment_score":0.15339423315944495}],"sentiment":"neutral","sentiment_score":0.04165829559055607,"num_words":89,"start":497.39,"end":528.27},{"sentences":[{"text":"No.","start":533.69,"end":533.93,"sentiment":"neutral","sentiment_score":-0.01902974024415016},{"text":"Perfect.","start":533.93,"end":534.41,"sentiment":"neutral","sentiment_score":0.028471169993281364},{"text":"And if I don't talk to you beforehand, if you have no questions, I hope you have a lovely 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Nicola.","start":547.755,"end":548.575,"sentiment":"positive","sentiment_score":0.5845582485198975},{"text":"Bye.","start":548.635,"end":549.135,"sentiment":"positive","sentiment_score":0.3851103186607361}],"sentiment":"positive","sentiment_score":0.39726879447698593,"num_words":6,"start":546.875,"end":549.135}]}}]},{"alternatives":[{"transcript":"Hello? Oh, I'm good. Thanks. How are you? Yeah. I've got slightly derailed, but back on track again. Oh, just work, you know, people. Oh. Okay. Yep. I've got that. Yep. No. It's not yet. You're you're dropping in and out. Sorry. You're you're dropping yeah. Yeah. Yes. Yep. Mhmm. Okay. Yes. Yes. Right. Okay. Yep. Okay. Mhmm. Yep. Yep. Yep. Okay. Yeah. Yeah. Have you have you noticed a massive well, clearly a bit of a change in the last four weeks or so? Is it have you got quite a lot of movement? Or Yes. Yep. Yeah. Yeah. Okay. Cool. Okay. Perfect. Okay. That would be great. Thank you. Thanks. I I don't at the moment. I'll go in and have a look at them once I got time to to to look at it over the next couple of days. But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months. It's fine, Sean. But it's gone up it's gone up today, so slightly over the last yeah. So, like you say, it's a long term thing. So, hopefully, it's just a blip. Yeah. Yeah. Yes. Yes. That's great. Thank you. Well, I'll wait for that to come through, and then I'll sign it as soon as I can. And you too. Thank you. Looking forward to the break. Yeah. Alright. Thanks very much. Thanks. 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Oh, I'm good. Thanks. How are you? Yeah.\n\nI've got slightly derailed, but back on track again. Oh, just work, you know, people. Oh. Okay. Yep.\n\nI've got that. Yep. No. It's not yet. You're you're dropping in and out.\n\nSorry. You're you're dropping yeah. Yeah. Yes. Yep.\n\nMhmm. Okay. Yes. Yes. Right.\n\nOkay. Yep. Okay. Mhmm. Yep.\n\nYep. Yep. Okay. Yeah. Yeah.\n\nHave you have you noticed a massive well, clearly a bit of a change in the last four weeks or so? Is it have you got quite a lot of movement? Or Yes. Yep. Yeah.\n\nYeah. Okay. Cool. Okay. Perfect.\n\nOkay. That would be great. Thank you. Thanks. I I don't at the moment.\n\nI'll go in and have a look at them once I got time to to to look at it over the next couple of days. But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months. It's fine, Sean. 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yeah.","start":155.77501,"end":157.475,"sentiment":"neutral","sentiment_score":-0.058267791755497456},{"text":"Yeah.","start":157.615,"end":158.115,"sentiment":"neutral","sentiment_score":-0.05056632310152054},{"text":"Yes.","start":165.535,"end":165.93,"sentiment":"neutral","sentiment_score":0.039222851395606995},{"text":"Yep.","start":174.32999,"end":174.82999,"sentiment":"neutral","sentiment_score":0.06194610521197319}],"sentiment":"neutral","sentiment_score":-0.03075436595827341,"num_words":8,"start":155.455,"end":174.82999},{"sentences":[{"text":"Mhmm.","start":180.195,"end":180.695,"sentiment":"neutral","sentiment_score":0.01646672561764717},{"text":"Okay.","start":187.35751,"end":187.85751,"sentiment":"neutral","sentiment_score":0.023537322878837585},{"text":"Yes.","start":200.92,"end":201.42,"sentiment":"neutral","sentiment_score":0.02599631249904633},{"text":"Yes.","start":202.36,"end":202.86,"sentiment":"neutral","sentiment_score":0.07200735807418823},{"text":"Right.","start":240.77501,"end":241.175,"sentiment":"neutral","sentiment_score":0.03622911870479584}],"sentiment":"neutral","sentiment_score":0.03484736755490303,"num_words":5,"start":180.195,"end":241.175},{"sentences":[{"text":"Okay.","start":241.175,"end":241.675,"sentiment":"neutral","sentiment_score":0.03296806290745735},{"text":"Yep.","start":253.49501,"end":253.99501,"sentiment":"neutral","sentiment_score":0.2859008312225342},{"text":"Okay.","start":258.22,"end":258.72,"sentiment":"neutral","sentiment_score":0.314413845539093},{"text":"Mhmm.","start":268.94,"end":269.44,"sentiment":"neutral","sentiment_score":0.21394355595111847},{"text":"Yep.","start":275.875,"end":276.375,"sentiment":"neutral","sentiment_score":0.23179686069488523}],"sentiment":"neutral","sentiment_score":0.21580463126301766,"num_words":5,"start":241.175,"end":276.375},{"sentences":[{"text":"Yep.","start":292.81,"end":293.05002,"sentiment":"neutral","sentiment_score":0.12430797517299652},{"text":"Yep.","start":293.05002,"end":293.45,"sentiment":"neutral","sentiment_score":0.11970527470111848},{"text":"Okay.","start":293.45,"end":293.95,"sentiment":"neutral","sentiment_score":0.12897244095802307},{"text":"Yeah.","start":316.28,"end":316.6,"sentiment":"neutral","sentiment_score":0.0744839757680893},{"text":"Yeah.","start":316.6,"end":316.92,"sentiment":"neutral","sentiment_score":0.07817921042442322}],"sentiment":"neutral","sentiment_score":0.10512977540493011,"num_words":5,"start":292.81,"end":316.92},{"sentences":[{"text":"Have you have you noticed a massive well, clearly a bit of a change in the last four weeks or so?","start":316.92,"end":322.36002,"sentiment":"neutral","sentiment_score":0.10565171674603507},{"text":"Is it have you got quite a lot of movement?","start":322.36002,"end":325.32,"sentiment":"neutral","sentiment_score":0.07226163260638714},{"text":"Or Yes.","start":325.32,"end":362.43503,"sentiment":"neutral","sentiment_score":0.05932380631566048},{"text":"Yep.","start":382.88,"end":383.145,"sentiment":"neutral","sentiment_score":0.02436872571706772},{"text":"Yeah.","start":385.145,"end":385.625,"sentiment":"neutral","sentiment_score":0.028955766931176186}],"sentiment":"neutral","sentiment_score":0.08895069951457636,"num_words":35,"start":316.92,"end":385.625},{"sentences":[{"text":"Yeah.","start":385.625,"end":386.025,"sentiment":"neutral","sentiment_score":0.050826191902160645},{"text":"Okay.","start":386.025,"end":386.525,"sentiment":"neutral","sentiment_score":0.09559617936611176},{"text":"Cool.","start":388.425,"end":388.925,"sentiment":"positive","sentiment_score":0.4844803512096405},{"text":"Okay.","start":396.905,"end":397.405,"sentiment":"neutral","sentiment_score":-0.03866105154156685},{"text":"Perfect.","start":417.505,"end":417.82498,"sentiment":"positive","sentiment_score":0.47528931498527527}],"sentiment":"neutral","sentiment_score":0.21350619718432426,"num_words":5,"start":385.625,"end":417.82498},{"sentences":[{"text":"Okay.","start":417.82498,"end":418.145,"sentiment":"neutral","sentiment_score":0.3214486241340637},{"text":"That would be great.","start":418.145,"end":418.865,"sentiment":"positive","sentiment_score":0.5355898141860962},{"text":"Thank you.","start":418.865,"end":419.425,"sentiment":"positive","sentiment_score":0.6219871342182159},{"text":"Thanks.","start":419.425,"end":419.925,"sentiment":"positive","sentiment_score":0.4477020800113678},{"text":"I I don't at the moment.","start":427.72,"end":429.41998,"sentiment":"neutral","sentiment_score":-0.2810106774171193}],"sentiment":"neutral","sentiment_score":0.17638715463025229,"num_words":14,"start":417.82498,"end":429.41998},{"sentences":[{"text":"I'll go in and have a look at them once I got time to to to look at it over the next couple of days.","start":430.28,"end":438.03998,"sentiment":"neutral","sentiment_score":-0.1304544135928154},{"text":"But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months.","start":438.03998,"end":447.795,"sentiment":"neutral","sentiment_score":-0.18674923541645208},{"text":"It's fine, Sean.","start":448.975,"end":449.95502,"sentiment":"neutral","sentiment_score":0.22808855275313059},{"text":"But it's gone up it's gone up today, so slightly over the last yeah.","start":451.45502,"end":456.51,"sentiment":"neutral","sentiment_score":-0.008610256095250537},{"text":"So, like you say, it's a long term thing.","start":456.59,"end":458.75,"sentiment":"neutral","sentiment_score":-0.009254312763611475}],"sentiment":"neutral","sentiment_score":-0.10924022479033654,"num_words":87,"start":430.28,"end":458.75},{"sentences":[{"text":"So, hopefully, it's just a blip.","start":458.75,"end":462.85,"sentiment":"neutral","sentiment_score":-0.038407813757658005},{"text":"Yeah.","start":493.46,"end":493.78,"sentiment":"neutral","sentiment_score":-0.0775178074836731},{"text":"Yeah.","start":493.78,"end":494.28,"sentiment":"neutral","sentiment_score":-0.1276417374610901},{"text":"Yes.","start":503.475,"end":503.875,"sentiment":"neutral","sentiment_score":0.027148261666297913},{"text":"Yes.","start":503.875,"end":504.375,"sentiment":"neutral","sentiment_score":0.07108158618211746}],"sentiment":"neutral","sentiment_score":-0.03373765796422958,"num_words":10,"start":458.75,"end":504.375},{"sentences":[{"text":"That's great.","start":528.64,"end":529.245,"sentiment":"positive","sentiment_score":0.7045446336269379},{"text":"Thank you.","start":529.325,"end":529.885,"sentiment":"positive","sentiment_score":0.649522989988327},{"text":"Well, I'll wait for that to come through, and then I'll sign it as soon as I can.","start":529.885,"end":533.105,"sentiment":"neutral","sentiment_score":0.11711182279719247},{"text":"And you too.","start":538.285,"end":539.165,"sentiment":"positive","sentiment_score":0.5582050879796346},{"text":"Thank you.","start":539.165,"end":539.985,"sentiment":"positive","sentiment_score":0.7647254168987274}],"sentiment":"neutral","sentiment_score":0.29704496871542047,"num_words":27,"start":528.64,"end":539.985},{"sentences":[{"text":"Looking forward to the break.","start":540.125,"end":541.505,"sentiment":"positive","sentiment_score":0.5764152526855468},{"text":"Yeah.","start":543.66,"end":544.16,"sentiment":"neutral","sentiment_score":0.2281494289636612},{"text":"Alright.","start":544.86,"end":545.26,"sentiment":"positive","sentiment_score":0.3431257903575897},{"text":"Thanks very much.","start":545.26,"end":546.32,"sentiment":"positive","sentiment_score":0.761279821395874},{"text":"Thanks.","start":548.86,"end":549.26,"sentiment":"positive","sentiment_score":0.6345053315162659}],"sentiment":"positive","sentiment_score":0.5792451162229885,"num_words":11,"start":540.125,"end":549.26},{"sentences":[{"text":"Bye.","start":549.26,"end":549.76,"sentiment":"neutral","sentiment_score":-0.12649373710155487}],"sentiment":"neutral","sentiment_score":-0.12649373710155487,"num_words":1,"start":549.26,"end":549.76}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi,\n\nChannel 1: Hello?\n\nChannel 0: Nicola. How are you going?\n\nChannel 1: Oh, I'm good. Thanks. How are you?\n\nChannel 0: Good. Thanks now. How's your day, Vane?\n\nChannel 1: Yeah. I've got slightly derailed, but back on track again.\n\nChannel 0: Oh, no. What happened?\n\nChannel 1: Oh, just work, you know, people.\n\nChannel 0: Yeah. I know all about that. So I sent an email maybe ten or so minutes ago just to get myself all ready and get everything sent to you ahead of a call. So you should have that in your email. It may have\n\nChannel 1: Oh.\n\nChannel 0: gone to spam. We've just moved to a new CRM system that has everything combined. But it's just the statement of advice with the new investment\n\nChannel 1: Okay.\n\nChannel 0: recommendation.\n\nChannel 1: Yep. I've got that.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: So as we spoke about it, like, we were very, very much, like, sort of looking at just making an update to the investment just to remove some of those what? Okay. Table of contents is absolutely a mess. But, anyway, we can just ignore how how that is not in any way, shape, or form works. But, anyway, I'll send it to you again after we head off the phone.\n\nBut\n\nChannel 1: No. It's not yet.\n\nChannel 0: The crux of the advice really lies with removing some of those underlying investments. So there's four investments that I want to move after I sort of had a really good look at where things were sitting and just what's kind of happened, climate, ly, over the last little bit. I wanted to remove four of those investments and just kind of pad out your just have that better cushion where the market's going and just make sure that we could have better protection over your assets while still difference. So the that I want one of them is a banking hybrid. India Holdings.\n\nIt's a a defensive it's called a a fund. It's\n\nChannel 1: You're\n\nChannel 0: a very\n\nChannel 1: you're\n\nChannel 0: sort\n\nChannel 1: dropping\n\nChannel 0: of defensive\n\nChannel 1: in and\n\nChannel 0: fund.\n\nChannel 1: out. Sorry. You're\n\nChannel 0: Oh,\n\nChannel 1: you're dropping\n\nChannel 0: am I?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: You're just like say that. I wonder what's happening with the phone line. Do you have me okay now?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Good. So, yeah, as I was saying, one of them is a banking hybrid. So I\n\nChannel 1: Yep.\n\nChannel 0: wanna move us out of that. I wanna move us out of a yield fund. Also,\n\nChannel 1: Mhmm.\n\nChannel 0: move out of a it's called a a global research equity\n\nChannel 1: Okay.\n\nChannel 0: and also out of a Australian holding. The Australian holding, still still good, but it's just a little bit expensive. And I've moved into that Australian 200 option the last time we\n\nChannel 1: Yes.\n\nChannel 0: spoke a month ago. So\n\nChannel 1: Yes.\n\nChannel 0: I just wanna kind of pull this out a little bit and just move things around. So with those getting rid of those four, I'm gonna put four others in. Those other fours are Europe, Japan, a all world. So getting a little bit more of of our emerging markets across the globe and then putting a little bit of a deficit in in a sort of composite bond. So just replacing those conservative assets that we're getting rid of, that bank hybrid with that that bond just so we can sort of get some information\n\nChannel 1: Right. Okay.\n\nChannel 0: on there. So not not changes. Just a little bit of kind of reshuffling of things. I wanna do the same thing across both the super and investment fund. And the\n\nChannel 1: Yep.\n\nChannel 0: really good thing is is we're saving we're cutting some investment fees in half.\n\nChannel 1: Okay.\n\nChannel 0: So we're sort of saving about $320 per month on super fund with with those investment fees because it's a little bit cheaper, which is nice. And\n\nChannel 1: Mhmm.\n\nChannel 0: our performance on those funds has been a have have been better with how volatile the market's been as well.\n\nChannel 1: Yep.\n\nChannel 0: So I'm looking much better with all of that. Obviously, the last very, very but still still a a lot better. It's gonna give you that better better protection, especially with that inflation I don't know.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: So nothing nothing too too too crazy move wise on that. Obviously, we keep your insurance happening and and from the way it currently is. So it's just it's just very, very limited to the graduation to but I think that's gonna put us in a much better position, especially over the next twelve months while things are really up in the air.\n\nChannel 1: Yeah. Yeah. Have you have you noticed a massive well, clearly a bit of a change in the last four weeks or so? Is it have you got quite a lot of movement? Or\n\nChannel 0: Like, there has been like, I'm making some some moves with some with some of my clients, but it's a lot of my clients I'm holding just depending on the stages that they're in or making very slight movements like I'm doing for you. And that's purely and simply because, like, it's a long term view. So I don't wanna, you know, make rash or knee jerk reactions, but I do wanna still, you know, position us for the inflation risk and where we're currently sitting and what's currently going on. That's the whole point. My what you know?\n\nBut,\n\nChannel 1: Yes.\n\nChannel 0: yeah, like, I'm not, you know, making huge, huge movements segmented and and just to make sure that I'm trying to capture where the market's going and not necessarily predict the market completely because it can it can be unpredictable, but just make sure we do have that cushion to help us with\n\nChannel 1: Yep.\n\nChannel 0: the inflation. You know?\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So so yeah.\n\nChannel 1: Cool.\n\nChannel 0: So really nice and easy. If you know, obviously, go and have a read. I'm gonna reissue it to you because the table of is gonna annoy your crap.\n\nChannel 1: Okay.\n\nChannel 0: I don't even know why. It's all, like, going all haywire anyway. It was perfect when I zipped up this morning. But I'll I'll redo that, and I'll just reissue it to you. And once you have the chance to have a redo sign it, I will flip the investments me.\n\nChannel 1: Perfect. Okay. That would\n\nChannel 0: Okay.\n\nChannel 1: be great. Thank you. Thanks.\n\nChannel 0: Yeah. No. That's okay. Was did you have any questions about the investments that I've incorporated or anything like that?\n\nChannel 1: I I don't at the moment. I'll go in and have a look at them once I got time to to to look at it over the next couple of days. But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months.\n\nChannel 0: Yeah.\n\nChannel 1: It's fine, Sean.\n\nChannel 0: Definitely. No.\n\nChannel 1: But it's\n\nChannel 0: Absolutely.\n\nChannel 1: gone up it's gone up today, so slightly\n\nChannel 0: It\n\nChannel 1: over\n\nChannel 0: has.\n\nChannel 1: the last\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So, like you say, it's a long term thing. So, hopefully, it's just a blip.\n\nChannel 0: Just it's just doing its thing. Look. If if your three is anything by, you know, GFC, biggest market downturn, you know, those that sold out and went to cash because they knee jerk reaction got scared, a lot of your pre retirees were in that position, you know, and they they attribute the GFC to why they weren't able to retire. They had to go back to work. And a lot of that was because they need your reaction.\n\nThey sold out. They moved to cash, and then they bought back into the market way too late because\n\nChannel 1: Yeah.\n\nChannel 0: they tried\n\nChannel 1: Yeah.\n\nChannel 0: to fix it and ended up short. And because of that, they did have to return to to work because they didn't have the funds behind them to be able to retire.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Obviously, we're not pre retirement right now, so we're pretty good. But, you know, holding does historically give us a much better, you know, return over that longer term. Allows us to just just see it out. Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good.\n\nChannel 1: That's great. Thank you. Well, I'll wait for that to come through, and then I'll sign it as soon as I can.\n\nChannel 0: No. Perfect. And if I don't talk to you beforehand, if you have no questions, I hope you have a lovely Easter.\n\nChannel 1: And you too. Thank you. Looking forward to the\n\nChannel 0: Thanks.\n\nChannel 1: break.\n\nChannel 0: Oh,\n\nChannel 1: Yeah. Alright. Thanks very much.\n\nChannel 0: right. No. No problem. Thanks, Nicola. Bye.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi,","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.07864868640899658}],"sentiment":"neutral","sentiment_score":0.07864868640899658,"channel":0,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hello?","start":6.7999997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.06837169826030731}],"sentiment":"neutral","sentiment_score":0.06837169826030731,"channel":1,"num_words":1,"start":6.7999997,"end":7.2999997},{"sentences":[{"text":"Nicola.","start":8.639999,"end":9.139999,"sentiment":"neutral","sentiment_score":0.10852768272161484},{"text":"How are you going?","start":9.2,"end":10.099999,"sentiment":"neutral","sentiment_score":0.2282688170671463}],"sentiment":"neutral","sentiment_score":0.20432059019804,"channel":0,"num_words":5,"start":8.639999,"end":10.099999},{"sentences":[{"text":"Oh, I'm good.","start":9.679999,"end":10.88,"sentiment":"positive","sentiment_score":0.5107296605904897},{"text":"Thanks.","start":10.88,"end":11.2,"sentiment":"positive","sentiment_score":0.6407743692398071},{"text":"How are you?","start":11.2,"end":12.0199995,"sentiment":"positive","sentiment_score":0.3763607641061147}],"sentiment":"positive","sentiment_score":0.4717208061899458,"channel":1,"num_words":7,"start":9.679999,"end":12.0199995},{"sentences":[{"text":"Good.","start":12.559999,"end":12.96,"sentiment":"positive","sentiment_score":0.5148910284042358},{"text":"Thanks now.","start":12.96,"end":13.94,"sentiment":"positive","sentiment_score":0.5258722603321075},{"text":"How's your day, Vane?","start":14.16,"end":15.38,"sentiment":"neutral","sentiment_score":0.2722669094800949}],"sentiment":"positive","sentiment_score":0.37938616956983295,"channel":0,"num_words":7,"start":12.559999,"end":15.38},{"sentences":[{"text":"Yeah.","start":17.305,"end":17.625,"sentiment":"neutral","sentiment_score":-0.005831180140376091},{"text":"I've got slightly derailed, but back on track again.","start":17.625,"end":20.525,"sentiment":"neutral","sentiment_score":-0.152697145111031}],"sentiment":"neutral","sentiment_score":-0.1380105486139655,"channel":1,"num_words":10,"start":17.305,"end":20.525},{"sentences":[{"text":"Oh, no.","start":21.335,"end":21.815,"sentiment":"neutral","sentiment_score":-0.1730014532804489},{"text":"What happened?","start":21.815,"end":22.555,"sentiment":"neutral","sentiment_score":-0.15431559830904007}],"sentiment":"neutral","sentiment_score":-0.1636585257947445,"channel":0,"num_words":4,"start":21.335,"end":22.555},{"sentences":[{"text":"Oh, just work, you know, people.","start":23.145,"end":26.605,"sentiment":"neutral","sentiment_score":-0.03759907030810913}],"sentiment":"neutral","sentiment_score":-0.03759907030810913,"channel":1,"num_words":6,"start":23.145,"end":26.605},{"sentences":[{"text":"Yeah.","start":29.08,"end":29.4,"sentiment":"neutral","sentiment_score":0.02249758318066597},{"text":"I know all about that.","start":29.4,"end":30.78,"sentiment":"neutral","sentiment_score":0.012041273340582848},{"text":"So I sent an email maybe ten or so minutes ago just to get myself all ready and get everything sent to you ahead of a call.","start":34.28,"end":46.425,"sentiment":"neutral","sentiment_score":0.10300896496132568},{"text":"So you should have that in your email.","start":46.425,"end":47.785,"sentiment":"neutral","sentiment_score":0.06883047567680478},{"text":"It may have","start":47.785,"end":48.265,"sentiment":"neutral","sentiment_score":-0.04828994224468867}],"sentiment":"neutral","sentiment_score":0.07431181778453967,"channel":0,"num_words":44,"start":29.08,"end":48.265},{"sentences":[{"text":"Oh.","start":48.204998,"end":48.704998,"sentiment":"neutral","sentiment_score":-0.09718544781208038}],"sentiment":"neutral","sentiment_score":-0.09718544781208038,"channel":1,"num_words":1,"start":48.204998,"end":48.704998},{"sentences":[{"text":"gone to spam.","start":48.265,"end":49.065002,"sentiment":"neutral","sentiment_score":-0.1725086917479833},{"text":"We've just moved to a new CRM system that has everything combined.","start":49.065002,"end":52.685,"sentiment":"neutral","sentiment_score":-0.07217616867274046},{"text":"But it's just the statement of advice with the new investment","start":54.505,"end":58.525,"sentiment":"neutral","sentiment_score":-0.006293738006868146}],"sentiment":"neutral","sentiment_score":-0.05587966220739942,"channel":0,"num_words":26,"start":48.265,"end":58.525},{"sentences":[{"text":"Okay.","start":58.525,"end":58.845,"sentiment":"neutral","sentiment_score":0.013554295524954796}],"sentiment":"neutral","sentiment_score":0.013554295524954796,"channel":1,"num_words":1,"start":58.525,"end":58.845},{"sentences":[{"text":"recommendation.","start":58.585,"end":59.085,"sentiment":"neutral","sentiment_score":0.03894101828336716}],"sentiment":"neutral","sentiment_score":0.03894101828336716,"channel":0,"num_words":1,"start":58.585,"end":59.085},{"sentences":[{"text":"Yep.","start":58.845,"end":59.345,"sentiment":"neutral","sentiment_score":0.11787362396717072},{"text":"I've got that.","start":59.4,"end":60.38,"sentiment":"neutral","sentiment_score":0.19231675565242767}],"sentiment":"neutral","sentiment_score":0.17370597273111343,"channel":1,"num_words":4,"start":58.845,"end":60.38},{"sentences":[{"text":"Fantastic.","start":63.12,"end":63.62,"sentiment":"positive","sentiment_score":0.5202261805534363}],"sentiment":"positive","sentiment_score":0.5202261805534363,"channel":0,"num_words":1,"start":63.12,"end":63.62},{"sentences":[{"text":"Yep.","start":64.200005,"end":64.700005,"sentiment":"neutral","sentiment_score":0.17252013087272644}],"sentiment":"neutral","sentiment_score":0.17252013087272644,"channel":1,"num_words":1,"start":64.200005,"end":64.700005},{"sentences":[{"text":"So as we spoke about it, like, we were very, very much, like, sort of looking at just making an update to the investment just to remove some of those what?","start":68.0,"end":82.245,"sentiment":"neutral","sentiment_score":0.007046360642679276},{"text":"Okay.","start":82.785,"end":83.285,"sentiment":"neutral","sentiment_score":-0.0987449437379837},{"text":"Table of contents is absolutely a mess.","start":84.225006,"end":86.145004,"sentiment":"neutral","sentiment_score":-0.18882862691368377},{"text":"But, anyway, we can just ignore how how that is not in any way, shape, or form works.","start":86.145004,"end":91.64001,"sentiment":"neutral","sentiment_score":-0.08944017936786015},{"text":"But, anyway, I'll send it to you again after we head off the 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yeah.","start":387.435,"end":388.555,"sentiment":"neutral","sentiment_score":0.17283710837364197}],"sentiment":"neutral","sentiment_score":0.17283710837364197,"channel":0,"num_words":3,"start":387.435,"end":388.555},{"sentences":[{"text":"Cool.","start":388.425,"end":388.925,"sentiment":"positive","sentiment_score":0.4844803512096405}],"sentiment":"positive","sentiment_score":0.4844803512096405,"channel":1,"num_words":1,"start":388.425,"end":388.925},{"sentences":[{"text":"So really nice and easy.","start":388.555,"end":391.05,"sentiment":"positive","sentiment_score":0.6050127506256103},{"text":"If you know, obviously, go and have a read.","start":391.27,"end":393.43,"sentiment":"neutral","sentiment_score":0.11165597041447957},{"text":"I'm gonna reissue it to you because the table of is gonna annoy your crap.","start":393.43,"end":397.29,"sentiment":"neutral","sentiment_score":-0.16233470030128955}],"sentiment":"neutral","sentiment_score":0.05499817180479395,"channel":0,"num_words":29,"start":388.555,"end":397.29},{"sentences":[{"text":"Okay.","start":396.905,"end":397.405,"sentiment":"neutral","sentiment_score":-0.03866105154156685}],"sentiment":"neutral","sentiment_score":-0.03866105154156685,"channel":1,"num_words":1,"start":396.905,"end":397.405},{"sentences":[{"text":"I don't even know why.","start":398.87,"end":399.99,"sentiment":"neutral","sentiment_score":-0.13599330931901932},{"text":"It's all, like, going all haywire anyway.","start":399.99,"end":402.57,"sentiment":"neutral","sentiment_score":-0.14363588286297663},{"text":"It was perfect when I zipped up this morning.","start":403.51,"end":406.30502,"sentiment":"positive","sentiment_score":0.3642447723282708},{"text":"But I'll I'll redo that, and I'll just reissue it to you.","start":407.405,"end":410.445,"sentiment":"neutral","sentiment_score":0.14818153406182924},{"text":"And once you have the chance to have a redo sign it, I will flip the investments me.","start":410.445,"end":416.465,"sentiment":"neutral","sentiment_score":0.11645039502117369}],"sentiment":"neutral","sentiment_score":0.10719746555767808,"channel":0,"num_words":51,"start":398.87,"end":416.465},{"sentences":[{"text":"Perfect.","start":417.505,"end":417.82498,"sentiment":"positive","sentiment_score":0.47528931498527527},{"text":"Okay.","start":417.82498,"end":418.145,"sentiment":"neutral","sentiment_score":0.3214486241340637},{"text":"That would","start":418.145,"end":418.465,"sentiment":"positive","sentiment_score":0.4399692118167877}],"sentiment":"positive","sentiment_score":0.4191690906882286,"channel":1,"num_words":4,"start":417.505,"end":418.465},{"sentences":[{"text":"Okay.","start":418.4,"end":418.9,"sentiment":"positive","sentiment_score":0.4596860408782959}],"sentiment":"positive","sentiment_score":0.4596860408782959,"channel":0,"num_words":1,"start":418.4,"end":418.9},{"sentences":[{"text":"be great.","start":418.465,"end":418.865,"sentiment":"positive","sentiment_score":0.6312104165554047},{"text":"Thank you.","start":418.865,"end":419.425,"sentiment":"positive","sentiment_score":0.6219871342182159},{"text":"Thanks.","start":419.425,"end":419.925,"sentiment":"positive","sentiment_score":0.4477020800113678}],"sentiment":"positive","sentiment_score":0.5908194363117218,"channel":1,"num_words":5,"start":418.465,"end":419.925},{"sentences":[{"text":"Yeah.","start":420.16,"end":420.66,"sentiment":"neutral","sentiment_score":0.060878537595272064},{"text":"No.","start":420.80002,"end":421.04,"sentiment":"neutral","sentiment_score":-0.031076719984412193},{"text":"That's okay.","start":421.04,"end":421.68,"sentiment":"neutral","sentiment_score":0.002252229489386081},{"text":"Was did you have any questions about the investments that I've incorporated or anything like that?","start":421.68,"end":427.46,"sentiment":"neutral","sentiment_score":0.019815170264337212}],"sentiment":"neutral","sentiment_score":0.017567450040951373,"channel":0,"num_words":20,"start":420.16,"end":427.46},{"sentences":[{"text":"I I don't at the moment.","start":427.72,"end":429.41998,"sentiment":"neutral","sentiment_score":-0.2810106774171193},{"text":"I'll go in and have a look at them once I got time to to to look at it over the next couple of days.","start":430.28,"end":438.03998,"sentiment":"neutral","sentiment_score":-0.1304544135928154},{"text":"But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months.","start":438.03998,"end":447.795,"sentiment":"neutral","sentiment_score":-0.18674923541645208}],"sentiment":"neutral","sentiment_score":-0.17418502804948321,"channel":1,"num_words":67,"start":427.72,"end":447.795},{"sentences":[{"text":"Yeah.","start":448.59,"end":449.09,"sentiment":"neutral","sentiment_score":0.056678928434848785}],"sentiment":"neutral","sentiment_score":0.056678928434848785,"channel":0,"num_words":1,"start":448.59,"end":449.09},{"sentences":[{"text":"It's fine, Sean.","start":448.975,"end":449.95502,"sentiment":"neutral","sentiment_score":0.22808855275313059}],"sentiment":"neutral","sentiment_score":0.22808855275313059,"channel":1,"num_words":3,"start":448.975,"end":449.95502},{"sentences":[{"text":"Definitely.","start":449.63,"end":450.13,"sentiment":"neutral","sentiment_score":0.19841879606246948},{"text":"No.","start":451.07,"end":451.57,"sentiment":"neutral","sentiment_score":-0.01562933623790741}],"sentiment":"neutral","sentiment_score":0.09139472991228104,"channel":0,"num_words":2,"start":449.63,"end":451.57},{"sentences":[{"text":"But it's","start":451.45502,"end":451.855,"sentiment":"neutral","sentiment_score":-0.012738471239572391}],"sentiment":"neutral","sentiment_score":-0.012738471239572391,"channel":1,"num_words":2,"start":451.45502,"end":451.855},{"sentences":[{"text":"Absolutely.","start":451.71,"end":452.21,"sentiment":"neutral","sentiment_score":0.007965896278619766}],"sentiment":"neutral","sentiment_score":0.007965896278619766,"channel":0,"num_words":1,"start":451.71,"end":452.21},{"sentences":[{"text":"gone up it's gone up today, so slightly","start":451.855,"end":454.67502,"sentiment":"neutral","sentiment_score":-0.0018890761421062052}],"sentiment":"neutral","sentiment_score":-0.0018890761421062052,"channel":1,"num_words":8,"start":451.855,"end":454.67502},{"sentences":[{"text":"It","start":454.95502,"end":455.275,"sentiment":"neutral","sentiment_score":-0.03589099645614624}],"sentiment":"neutral","sentiment_score":-0.03589099645614624,"channel":0,"num_words":1,"start":454.95502,"end":455.275},{"sentences":[{"text":"over","start":455.21503,"end":455.45502,"sentiment":"neutral","sentiment_score":-0.03691936284303665}],"sentiment":"neutral","sentiment_score":-0.03691936284303665,"channel":1,"num_words":1,"start":455.21503,"end":455.45502},{"sentences":[{"text":"has.","start":455.275,"end":455.755,"sentiment":"neutral","sentiment_score":-0.0329829566180706}],"sentiment":"neutral","sentiment_score":-0.0329829566180706,"channel":0,"num_words":1,"start":455.275,"end":455.755},{"sentences":[{"text":"the last","start":455.45502,"end":455.855,"sentiment":"neutral","sentiment_score":-0.020658433437347412}],"sentiment":"neutral","sentiment_score":-0.020658433437347412,"channel":1,"num_words":2,"start":455.45502,"end":455.855},{"sentences":[{"text":"Yeah.","start":455.755,"end":456.255,"sentiment":"neutral","sentiment_score":-0.007526014000177383}],"sentiment":"neutral","sentiment_score":-0.007526014000177383,"channel":0,"num_words":1,"start":455.755,"end":456.255},{"sentences":[{"text":"yeah.","start":456.015,"end":456.51,"sentiment":"neutral","sentiment_score":-0.0017178039997816086},{"text":"So, like you say, it's a long term thing.","start":456.59,"end":458.75,"sentiment":"neutral","sentiment_score":-0.009254312763611475},{"text":"So, hopefully, it's just a blip.","start":458.75,"end":462.85,"sentiment":"neutral","sentiment_score":-0.038407813757658005}],"sentiment":"neutral","sentiment_score":-0.019715843838639557,"channel":1,"num_words":16,"start":456.015,"end":462.85},{"sentences":[{"text":"Just it's just doing its thing.","start":462.875,"end":464.95502,"sentiment":"neutral","sentiment_score":-0.010264283667008081},{"text":"Look.","start":464.95502,"end":465.275,"sentiment":"neutral","sentiment_score":-0.01649344712495804},{"text":"If if your three is anything by, you know, GFC, biggest market downturn, you know, those that sold out and went to cash because they knee jerk reaction got scared, a lot of your pre retirees were in that position, you know, and they they attribute the GFC to why they weren't able to retire.","start":465.275,"end":484.855,"sentiment":"neutral","sentiment_score":-0.10548283207145605},{"text":"They had to go back to work.","start":484.855,"end":486.155,"sentiment":"neutral","sentiment_score":-0.14733771128313883},{"text":"And a lot of that was because they need your reaction.","start":486.535,"end":488.45502,"sentiment":"neutral","sentiment_score":-0.12090754305774515}],"sentiment":"neutral","sentiment_score":-0.10301227332092822,"channel":0,"num_words":80,"start":462.875,"end":488.45502},{"sentences":[{"text":"They sold out.","start":488.45502,"end":489.095,"sentiment":"neutral","sentiment_score":-0.18307020763556162},{"text":"They moved to cash, and then they bought back into the market way too late because","start":489.095,"end":493.495,"sentiment":"neutral","sentiment_score":-0.138454329688102}],"sentiment":"neutral","sentiment_score":-0.14549894199559563,"channel":0,"num_words":19,"start":488.45502,"end":493.495},{"sentences":[{"text":"Yeah.","start":493.46,"end":493.78,"sentiment":"neutral","sentiment_score":-0.0775178074836731}],"sentiment":"neutral","sentiment_score":-0.0775178074836731,"channel":1,"num_words":1,"start":493.46,"end":493.78},{"sentences":[{"text":"they tried","start":493.495,"end":493.815,"sentiment":"neutral","sentiment_score":-0.1041208766400814}],"sentiment":"neutral","sentiment_score":-0.1041208766400814,"channel":0,"num_words":2,"start":493.495,"end":493.815},{"sentences":[{"text":"Yeah.","start":493.78,"end":494.28,"sentiment":"neutral","sentiment_score":-0.1276417374610901}],"sentiment":"neutral","sentiment_score":-0.1276417374610901,"channel":1,"num_words":1,"start":493.78,"end":494.28},{"sentences":[{"text":"to fix it and ended up short.","start":493.815,"end":497.09,"sentiment":"neutral","sentiment_score":-0.20631738432816096},{"text":"And because of that, they did have to return to to work because they didn't have the funds behind them to be able to retire.","start":497.39,"end":503.09,"sentiment":"neutral","sentiment_score":-0.16084477722644805}],"sentiment":"neutral","sentiment_score":-0.17079191002994776,"channel":0,"num_words":32,"start":493.815,"end":503.09},{"sentences":[{"text":"Yes.","start":503.475,"end":503.875,"sentiment":"neutral","sentiment_score":0.027148261666297913},{"text":"Yes.","start":503.875,"end":504.375,"sentiment":"neutral","sentiment_score":0.07108158618211746}],"sentiment":"neutral","sentiment_score":0.04911492392420769,"channel":1,"num_words":2,"start":503.475,"end":504.375},{"sentences":[{"text":"Obviously, we're not pre retirement right now, so we're pretty good.","start":504.75,"end":507.81,"sentiment":"neutral","sentiment_score":0.04935088110241023},{"text":"But, you know, holding does historically give us a much better, you know, return over that longer term.","start":508.35,"end":515.315,"sentiment":"neutral","sentiment_score":0.11395769152376387},{"text":"Allows us to just just see it out.","start":515.855,"end":518.255,"sentiment":"neutral","sentiment_score":0.12412066292017698},{"text":"Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good.","start":518.255,"end":528.27,"sentiment":"neutral","sentiment_score":0.15339423315944495}],"sentiment":"neutral","sentiment_score":0.12076105840969831,"channel":0,"num_words":64,"start":504.75,"end":528.27},{"sentences":[{"text":"That's great.","start":528.64,"end":529.245,"sentiment":"positive","sentiment_score":0.7045446336269379},{"text":"Thank you.","start":529.325,"end":529.885,"sentiment":"positive","sentiment_score":0.649522989988327},{"text":"Well, I'll wait for that to come through, and then I'll sign it as soon as I can.","start":529.885,"end":533.105,"sentiment":"neutral","sentiment_score":0.11711182279719247}],"sentiment":"neutral","sentiment_score":0.21891582079909064,"channel":1,"num_words":22,"start":528.64,"end":533.105},{"sentences":[{"text":"No.","start":533.69,"end":533.93,"sentiment":"neutral","sentiment_score":-0.01902974024415016},{"text":"Perfect.","start":533.93,"end":534.41,"sentiment":"neutral","sentiment_score":0.028471169993281364},{"text":"And if I don't talk to you beforehand, if you have no questions, I hope you have a lovely Easter.","start":534.41,"end":538.35,"sentiment":"positive","sentiment_score":0.36875729020684955}],"sentiment":"positive","sentiment_score":0.3356630560857328,"channel":0,"num_words":22,"start":533.69,"end":538.35},{"sentences":[{"text":"And you too.","start":538.285,"end":539.165,"sentiment":"positive","sentiment_score":0.5582050879796346},{"text":"Thank 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very much.","start":545.26,"end":546.32,"sentiment":"positive","sentiment_score":0.761279821395874}],"sentiment":"positive","sentiment_score":0.5710229367017746,"channel":1,"num_words":5,"start":543.66,"end":546.32},{"sentences":[{"text":"right.","start":546.23505,"end":546.73505,"sentiment":"neutral","sentiment_score":0.3203696608543396},{"text":"No.","start":546.875,"end":547.115,"sentiment":"neutral","sentiment_score":0.17637191712856293},{"text":"No problem.","start":547.115,"end":547.755,"sentiment":"neutral","sentiment_score":0.3265070170164108},{"text":"Thanks, Nicola.","start":547.755,"end":548.575,"sentiment":"positive","sentiment_score":0.5845582485198975},{"text":"Bye.","start":548.635,"end":549.135,"sentiment":"positive","sentiment_score":0.3851103186607361}],"sentiment":"positive","sentiment_score":0.386283203959465,"channel":0,"num_words":7,"start":546.23505,"end":549.135},{"sentences":[{"text":"Thanks.","start":548.86,"end":549.26,"sentiment":"positive","sentiment_score":0.6345053315162659},{"text":"Bye.","start":549.26,"end":549.76,"sentiment":"neutral","sentiment_score":-0.12649373710155487}],"sentiment":"neutral","sentiment_score":0.2540057972073555,"channel":1,"num_words":2,"start":548.86,"end":549.76}]},"summary":{"result":"success","short":"The speaker discusses plans to move four investment funds out of risk and reshuffling them to reduce investment fees and increase protection from inflation. They also mention the retirement of insurance and the potential for better protection from inflation. The speaker emphasizes the importance of positioning themselves for inflation risk and not predicting the market completely, as well as the need for a reaction from pre retirees after selling out of the stock market. Overall, they plan to make small movements to ensure they have cushion to help with the risk."},"intents":{"segments":[{"text":"So as we spoke about it, like, we were very, very much, like, sort of looking at just making an update to the investment just to remove some of those what? Okay.","start_word":120,"end_word":151,"intents":[{"intent":"Request investment update","confidence_score":0.046575584}]},{"text":"wanna move us out of that. I wanna move us out of a yield fund.","start_word":369,"end_word":383,"intents":[{"intent":"Move out of yield fund","confidence_score":0.39332524}]},{"text":"So just replacing those conservative assets that we're getting rid of, that bank hybrid with that that bond just so we can sort of get some information Right.","start_word":506,"end_word":533,"intents":[{"intent":"Replace conservative assets","confidence_score":0.056857154}]},{"text":"So we're sort of saving about $320 per month on super fund with with those investment fees because it's a little bit cheaper, which is nice. And Mhmm.","start_word":582,"end_word":609,"intents":[{"intent":"Save money","confidence_score":0.2360314},{"intent":"Save money","confidence_score":0.0010373701}]},{"text":"It's gonna give you that better better protection, especially with that inflation I don't know. Yep.","start_word":652,"end_word":667,"intents":[{"intent":"Ensure better protection","confidence_score":0.011229865}]},{"text":"Was did you have any questions about the investments that I've incorporated or anything like that?","start_word":1029,"end_word":1044,"intents":[{"intent":"Review investments","confidence_score":0.27796653},{"intent":"Look at investments","confidence_score":0.19311382}]},{"text":"I I don't at the moment. I'll go in and have a look at them once I got time to to to look at it over the next couple of days. But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months. Yeah.","start_word":1044,"end_word":1111,"intents":[{"intent":"Agree on options","confidence_score":0.000038243008}]},{"text":"But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months. Yeah.","start_word":1075,"end_word":1111,"intents":[{"intent":"Take guidance","confidence_score":0.45248}]},{"text":"If if your three is anything by, you know, GFC, biggest market downturn, you know, those that sold out and went to cash because they knee jerk reaction got scared, a lot of your pre retirees were in that position, you know, and they they attribute the GFC to why they weren't able to retire.","start_word":1157,"end_word":1211,"intents":[{"intent":"Discuss market downturn","confidence_score":0.05775523}]},{"text":"Obviously, we're not pre retirement right now, so we're pretty good. But, you know, holding does historically give us a much better, you know, return over that longer term. Allows us to just just see it out. Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good.","start_word":1287,"end_word":1350,"intents":[{"intent":"Hold position","confidence_score":0.019754672}]},{"text":"Well, I'll wait for that to come through, and then I'll sign it as soon as I can. No. Perfect.","start_word":1355,"end_word":1374,"intents":[{"intent":"Wait for decision","confidence_score":0.007300618}]}]},"sentiments":{"segments":[{"text":"Hi, Hello? Nicola. How are you going?","start_word":0,"end_word":6,"sentiment":"neutral","sentiment_score":0.14334216713905334},{"text":"Oh, I'm good. Thanks. How are you? Good. Thanks now.","start_word":7,"end_word":16,"sentiment":"positive","sentiment_score":0.4953082501888275},{"text":"How's your day, Vane? Yeah. I've got slightly derailed, but back on track again. Oh, no. What happened? Oh, just work, you know, people. Yeah. I know all about that. So I sent an email maybe ten or so minutes ago just to get myself all ready and get everything sent to you ahead of a call. So you should have that in your email. It may have Oh. gone to spam. We've just moved to a new CRM system that has everything combined. But it's just the statement of advice with the new investment Okay. recommendation. Yep. I've got that.","start_word":17,"end_word":117,"sentiment":"neutral","sentiment_score":0.010778198018670082},{"text":"Fantastic.","start_word":118,"end_word":118,"sentiment":"positive","sentiment_score":0.5202261805534363},{"text":"Yep. So as we spoke about it, like, we were very, very much, like, sort of looking at just making an update to the investment just to remove some of those what? Okay. Table of contents is absolutely a mess. But, anyway, we can just ignore how how that is not in any way, shape, or form works. But, anyway, I'll send it to you again after we head off the phone. But No. It's not yet. The crux of the advice really lies with removing some of those underlying investments. So there's four investments that I want to move after I sort of had a really good look at where things were sitting and just what's kind of happened, climate, ly, over the last little bit. I wanted to remove four of those investments and just kind of pad out your just have that better cushion where the market's going and just make sure that we could have better protection over your assets while still difference. So the that I want one of them is a banking hybrid. India Holdings. It's a a defensive it's called a a fund. It's You're a very you're sort dropping of defensive in and fund. out. Sorry. You're Oh, you're dropping am I? yeah. Yeah. You're just like say that. I wonder what's happening with the phone line. Do you have me okay now? Yes. Okay. Good. So, yeah, as I was saying, one of them is a banking hybrid. So I Yep. wanna move us out of that. I wanna move us out of a yield fund. Also, Mhmm. move out of a it's called a a global research equity Okay. and also out of a Australian holding. The Australian holding, still still good, but it's just a little bit expensive. And I've moved into that Australian 200 option the last time we Yes. spoke a month ago. So Yes. I just wanna kind of pull this out a little bit and just move things around. So with those getting rid of those four, I'm gonna put four others in. Those other fours are Europe, Japan, a all world. So getting a little bit more of of our emerging markets across the globe and then putting a little bit of a deficit in in a sort of composite bond. So just replacing those conservative assets that we're getting rid of, that bank hybrid with that that bond just so we can sort of get some information Right. Okay. on there. So not not changes. Just a little bit of kind of reshuffling of things. I wanna do the same thing across both the super and investment fund. And the Yep.","start_word":119,"end_word":566,"sentiment":"neutral","sentiment_score":-0.004508310288656503},{"text":"really good thing is is we're saving we're cutting some investment fees in half.","start_word":567,"end_word":580,"sentiment":"positive","sentiment_score":0.44908860325813293},{"text":"Okay.","start_word":581,"end_word":581,"sentiment":"neutral","sentiment_score":0.314413845539093},{"text":"So we're sort of saving about $320 per month on super fund with with those investment fees because it's a little bit cheaper, which is nice.","start_word":582,"end_word":607,"sentiment":"positive","sentiment_score":0.43389084935188293},{"text":"And Mhmm. our performance on those funds has been a have have been better with how volatile the market's been as well. Yep.","start_word":608,"end_word":630,"sentiment":"neutral","sentiment_score":0.12198444455862044},{"text":"So I'm looking much better with all of that.","start_word":631,"end_word":639,"sentiment":"positive","sentiment_score":0.3541465401649475},{"text":"Obviously, the last very, very but still still a a lot better. It's gonna give you that better better protection, especially with that inflation I don't know. Yep. Yep. Okay. So nothing nothing too too too crazy move wise on that. Obviously, we keep your insurance happening and and from the way it currently is. So it's just it's just very, very limited to the graduation to but I think that's gonna put us in a much better position, especially over the next twelve months while things are really up in the air. Yeah. Yeah. Have you have you noticed a massive well, clearly a bit of a change in the last four weeks or so? Is it have you got quite a lot of movement? Or Like, there has been like, I'm making some some moves with some with some of my clients, but it's a lot of my clients I'm holding just depending on the stages that they're in or making very slight movements like I'm doing for you. And that's purely and simply because, like, it's a long term view. So I don't wanna, you know, make rash or knee jerk reactions, but I do wanna still, you know, position us for the inflation risk and where we're currently sitting and what's currently going on. That's the whole point. My what you know? But, Yes. yeah, like, I'm not, you know, making huge, huge movements segmented and and just to make sure that I'm trying to capture where the market's going and not necessarily predict the market completely because it can it can be unpredictable, but just make sure we do have that cushion to help us with Yep. the inflation. You know? Yeah. Yeah. Okay. So so yeah.","start_word":640,"end_word":931,"sentiment":"neutral","sentiment_score":0.0794995277864884},{"text":"Cool. So really nice and easy.","start_word":932,"end_word":937,"sentiment":"positive","sentiment_score":0.5731580257415771},{"text":"If you know, obviously, go and have a read. I'm gonna reissue it to you because the table of is gonna annoy your crap. Okay. I don't even know why. It's all, like, going all haywire anyway.","start_word":938,"end_word":974,"sentiment":"neutral","sentiment_score":-0.08677347749471664},{"text":"It was perfect when I zipped up this morning.","start_word":975,"end_word":983,"sentiment":"positive","sentiment_score":0.349900484085083},{"text":"But I'll I'll redo that, and I'll just reissue it to you. And once you have the chance to have a redo sign it, I will flip the investments me.","start_word":984,"end_word":1013,"sentiment":"neutral","sentiment_score":0.129049152135849},{"text":"Perfect.","start_word":1014,"end_word":1014,"sentiment":"positive","sentiment_score":0.47528931498527527},{"text":"Okay.","start_word":1015,"end_word":1015,"sentiment":"neutral","sentiment_score":0.3214486241340637},{"text":"That would Okay. be great. Thank you. Thanks.","start_word":1016,"end_word":1023,"sentiment":"positive","sentiment_score":0.5340219736099243},{"text":"Yeah. No. That's okay. Was did you have any questions about the investments that I've incorporated or anything like that? I I don't at the moment. I'll go in and have a look at them once I got time to to to look at it over the next couple of days. But other than that, I think, yeah, I'll just take your take your guidance, and we just wanna sit tight and make sure the bottom doesn't fall completely out of it over the next six months. Yeah. It's fine, Sean. Definitely. No. But it's Absolutely. gone up it's gone up today, so slightly It over has. the last Yeah. yeah. So, like you say, it's a long term thing. So, hopefully, it's just a blip. Just it's just doing its thing. Look. If if your three is anything by, you know, GFC, biggest market downturn, you know, those that sold out and went to cash because they knee jerk reaction got scared, a lot of your pre retirees were in that position, you know, and they they attribute the GFC to why they weren't able to retire. They had to go back to work. And a lot of that was because they need your reaction. They sold out. They moved to cash, and then they bought back into the market way too late because Yeah. they tried Yeah. to fix it and ended up short. And because of that, they did have to return to to work because they didn't have the funds behind them to be able to retire. Yes. Yes. Obviously, we're not pre retirement right now, so we're pretty good. But, you know, holding does historically give us a much better, you know, return over that longer term. Allows us to just just see it out. Making slight changes like we're doing now, good to position ourselves properly, But, you know, no big, big knee jerk reactions or big swings, and we're good.","start_word":1024,"end_word":1350,"sentiment":"neutral","sentiment_score":-0.04950609389088752},{"text":"That's great. Thank you.","start_word":1351,"end_word":1354,"sentiment":"positive","sentiment_score":0.6773395538330078},{"text":"Well, I'll wait for that to come through, and then I'll sign it as soon as I can. No. Perfect.","start_word":1355,"end_word":1374,"sentiment":"neutral","sentiment_score":0.1153375580906868},{"text":"And if I don't talk to you beforehand, if you have no questions, I hope you have a lovely Easter. And you too. Thank you. Looking forward to the Thanks. break.","start_word":1375,"end_word":1405,"sentiment":"positive","sentiment_score":0.4244979918003082},{"text":"Oh, Yeah.","start_word":1406,"end_word":1407,"sentiment":"neutral","sentiment_score":0.202347069978714},{"text":"Alright. Thanks very much.","start_word":1408,"end_word":1411,"sentiment":"positive","sentiment_score":0.5680736899375916},{"text":"right. No.","start_word":1412,"end_word":1413,"sentiment":"neutral","sentiment_score":0.24837079644203183},{"text":"No problem. Thanks, Nicola. Bye. Thanks. Bye.","start_word":1414,"end_word":1420,"sentiment":"positive","sentiment_score":0.4675203859806061}],"average":{"sentiment":"neutral","sentiment_score":0.05542490738205828}}}}